RAC

RAC is best known for its breakdown service. This service was originally part of the Royal Automobile Club, a private members' club founded in 1897. The club established a separate organisation, RAC Motoring Services, in 1978, to run this part of its business and later sold its stake in the new 'associate' company. The members' club still exists, and is located on Pall Mall in London, while RAC are based in Walsall.

RAC are now owned by CVC Capital Partners and GIC Private Limited. 

The RAC now also offers a whole suite of insurance products including home and travel cover. Its car and home insurance are administered by BISL, which runs insurance services for a number of major financial brands.

RAC
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Gold ribbon: first place

Breakdown Cover

Ranked 10th of 31 providers reviewed.

Customer happiness score 57.64%
Customer trust score 60.29%
Complaints performance 63.13%
Transparency rating 70.22%
Fairer Finance score
Reviewed Autumn 2023
63%
Gold ribbon: first place

Car insurance

Ranked 18th of 49 providers reviewed.

Customer happiness score 60.76%
Customer trust score 58.91%
Complaints performance 72.03%
Transparency rating 73.53%
Fairer Finance score
Reviewed Autumn 2023
66%
Gold ribbon: first place

Home insurance (building and contents)

Ranked 20th of 46 providers reviewed.

Customer happiness score 55.75%
Customer trust score 52.3%
Complaints performance 72.22%
Transparency rating 75.3%
Fairer Finance score
Reviewed Autumn 2023
67%

Car insurance

RAC

Car Insurance Plus (with guaranteed replacement car and keycare cover)

4 stars
Cover limit for lost keys i £1,000.00
Courtesy car for duration of repair i
Uninsured driver promise i
Cover for replacing original audio/visual equipment i Unlimited
Windscreen repair excess i £0.00
Windscreen replacement excess i £60.00
Repairs guarantee (years) i 3 years
New car replacement i
Cover limit for stolen keys i £1,000.00
24hr helpline available i
Courtesy car provided if stolen / total loss i
Vandalism i

RAC

Car Insurance Plus

3 stars
Cover limit for lost keys i £0.00
Courtesy car for duration of repair i
Uninsured driver promise i
Cover for replacing original audio/visual equipment i Unlimited
Windscreen repair excess i £0.00
Windscreen replacement excess i £60.00
Repairs guarantee (years) i 3 years
New car replacement i
Cover limit for stolen keys i £500.00
24hr helpline available i
Courtesy car provided if stolen / total loss i
Vandalism i

RAC

Car Insurance

2 stars
Cover limit for lost keys i £0.00
Courtesy car for duration of repair i
Uninsured driver promise i
Cover for replacing original audio/visual equipment i Unlimited
Windscreen repair excess i £0.00
Windscreen replacement excess i £60.00
Repairs guarantee (years) i 3 years
New car replacement i
Cover limit for stolen keys i £500.00
24hr helpline available i
Courtesy car provided if stolen / total loss i
Vandalism i

Telematics Car Insurance

RAC

Blackbox Car Insurance

4 stars
Cover limit for lost keys i £0.00
Cover limit for Legal Liability Cover for property damage £20,000,000.00
Courtesy car for duration of repair i
Uninsured driver promise i
Self-installed or engineer-installed box? i Insurer's choice
Is device removal mandatory at the end of the contract? i
Is there an excessive speeding restriction?
Can your insurance be cancelled due to a poor driving score?
Can premiums increase due to driving score?
Curfew i
Digital capability i
Cancellation fee (within 14 days) box installed i £35.00
Speed restrictions scenario i Pass
Cover for replacing original audio/visual equipment i Unlimited
Cancellation fee (within 14 days, box not installed) i £35.00
24hr helpline available i
New car replacement i
Cover limit for stolen keys i £500.00
Legal cover for manslaughter defence i Unlimited
Are children's car seats covered?
Cover limit for personal belongings inside car £250.00
Underwriter Panel
Storage after accident i
Vermin & insects i
Misfuelling i

Home emergency cover

RAC

Home Emergency And Boiler Cover

2 stars
Home Security Cover i
Home Emergency Cover limit i £500.00
Internal plumbing and drainage i
Primary Heating System i
Boiler breakdown cover i
Annual boiler service i
Internal gas supply pipe cover i
Pest infestation cover i
Domestic Power supply covered? i
Cover Type i Add-On
Alternative Accommodation Cover i £1,000.00
Unoccupied period i 45
Claims limit i Unlimited

RAC

Home Emergency Cover

2 stars
Home Security Cover i
Home Emergency Cover limit i £500.00
Internal plumbing and drainage i
Primary Heating System i
Boiler breakdown cover i
Annual boiler service i
Internal gas supply pipe cover i
Pest infestation cover i
Domestic Power supply covered? i
Cover Type i Add-On
Alternative Accommodation Cover i £1,000.00
Unoccupied period i 45
Claims limit i Unlimited

Home insurance (building and contents)

RAC

Home Insurance

3 stars
Theft from outbuildings i £3,000.00
Matching sets (contents) i 50% of the cost of replacing the undamaged parts
Alternative accommodation cover limit for buildings i £45,000.00
Protection against inflation (Buildings)
Contents cover limit i £80,000.00
Money in the home i £1,000.00
Visitor's possessions i £500.00
Office equipment i £5,000.00
Buildings cover limit i £1,000,000.00
Trace and access i £10,000.00
Keys/locks if lost or stolen (Buildings) i £1,000.00
Alternative accommodation cover limit for contents i £8,000.00
Cancellation fee within 14 days i £0.00
Cancellation fee after 14 days i £35.00
Contents compulsory excess i £100.00
Flood excess i £100.00
Escape of water excess (minimum) i £400.00
Property owner liability i £2,000,000.00
Liability to domestic employees i £10,000,000.00
Liability as a tenant i £5,000.00
Replace belongings new for old i

Buildings insurance

RAC

Home Insurance

3 stars
Matching sets (Buildings) i 50% of the cost of replacing the undamaged parts
Frozen pipes i
Escape of water excess for buildings i £400.00
Underground pipes, cables and tanks i Covered as standard
Selling your home i
Emergency entries i
Accidental damage to drains i
Buildings compulsory excess i £100.00
Unoccupied period i 60 days
Helpline i
Cancellation fee after 14 days (buildings) i £35.00
Amendment fee (telephone) i £25.00
Property owner liability i £2,000,000.00

Contents insurance

RAC

Home Insurance

3 stars
Matching sets (contents) i 50% of the cost of replacing the undamaged parts
Theft from outbuildings i £3,000.00
Cover for items away from home i Optional
Property owner liability i £2,000,000.00

Motorbike Insurance

RAC

Motorbike Insurance (with optional excess protection, lock and key cover, breakdown cover, motor legal protection, personal injury cover, courtesy motorbike and helmet and leathers cover)

2 stars
Accessories cover i Unlimited
Storage costs pre-repair i
Uninsured driver promise i
Vandalism cover i
Vermin cover i
Accident recovery i
Is motor legal protection included i
Personal accident cover limit i £25,000.00
Repair Guarantee i 1 years

RAC

Motorbike Insurance Plus (with optional excess protection, lock and key cover, breakdown cover, motor legal protection and courtesy motorbike)

2 stars
Accessories cover i Unlimited
Storage costs pre-repair i
Uninsured driver promise i
Vandalism cover i
Vermin cover i
Accident recovery i
Is motor legal protection included i
Personal accident cover limit i £25,000.00
Repair Guarantee i 1 years

RAC

Motorbike Insurance

1 stars
Accessories cover i Unlimited
Storage costs pre-repair i
Uninsured driver promise i
Vandalism cover i
Vermin cover i
Accident recovery i
Is motor legal protection included i
Personal accident cover limit i £0.00
Repair Guarantee i 1 years

RAC

Motorbike Insurance Plus

1 stars
Accessories cover i Unlimited
Storage costs pre-repair i
Uninsured driver promise i
Vandalism cover i
Vermin cover i
Accident recovery i
Is motor legal protection included i
Personal accident cover limit i £25,000.00
Repair Guarantee i 1 years

Travel insurance

Annual multi-trip insurance

RAC

Silver

4 stars
Medical excess i £50.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £2,000.00
Cancelling before travel cover limit i £5,000.00
Emergency medical cover and repatriation cover limit i £15,000,000.00
Mental health cover i
Personal money i £500.00
Combined passport & travel documents cover limit i £600.00
Cutting trip short (curtailment) cover limit i £5,000.00
Abandoning your trip (abandonment) cover limit i £5,000.00
Natural disaster relocation cover i
Max trip duration i 62 days

RAC

Black

4 stars
Medical excess i £0.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £3,000.00
Cancelling before travel cover limit i £7,500.00
Emergency medical cover and repatriation cover limit i Unlimited
Mental health cover i
Personal money i £750.00
Combined passport & travel documents cover limit i £750.00
Cutting trip short (curtailment) cover limit i £7,500.00
Abandoning your trip (abandonment) cover limit i £7,500.00
Natural disaster relocation cover i
Max trip duration i 92 days

RAC

Orange

3 stars
Medical excess i £100.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £1,250.00
Cancelling before travel cover limit i £3,000.00
Emergency medical cover and repatriation cover limit i £10,000,000.00
Mental health cover i
Personal money i £400.00
Combined passport & travel documents cover limit i £100.00
Cutting trip short (curtailment) cover limit i £3,000.00
Abandoning your trip (abandonment) cover limit i £3,000.00
Natural disaster relocation cover i
Max trip duration i 62 days

Single trip insurance

RAC

Silver

4 stars
Cancelling before travel cover limit i £5,000.00
Medical excess i £50.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £2,000.00
Cutting trip short curtailment cover limit i £5,000.00
Missed departure cover limit i £1,000.00
Abandoning your trip (abandonment) cover limit i £5,000.00
Emergency medical cover and repatriation cover limit i £15,000,000.00
Personal money i £500.00
Combined passport & travel documents limit i £600.00

RAC

Black

4 stars
Cancelling before travel cover limit i £7,500.00
Medical excess i £0.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £3,000.00
Cutting trip short curtailment cover limit i £7,500.00
Missed departure cover limit i £1,250.00
Abandoning your trip (abandonment) cover limit i £7,500.00
Emergency medical cover and repatriation cover limit i Unlimited
Personal money i £750.00
Combined passport & travel documents limit i £750.00

RAC

Orange

3 stars
Cancelling before travel cover limit i £3,000.00
Medical excess i £100.00
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £1,250.00
Cutting trip short curtailment cover limit i £3,000.00
Missed departure cover limit i £300.00
Abandoning your trip (abandonment) cover limit i £3,000.00
Emergency medical cover and repatriation cover limit i £10,000,000.00
Personal money i £400.00
Combined passport & travel documents limit i £100.00

Travel insurance add-on: cruise cover

RAC

Orange

1 stars
Missed port departure cover limit i £0.00
Re-joining a cruise cover limit i £0.00
Cabin confinement cover limit i £250.00
Missed port departure excess i
Timetable/itinerary change cover limit i £500.00
Unused excursions cover limit i £300.00

RAC

Silver

1 stars
Missed port departure cover limit i £0.00
Re-joining a cruise cover limit i £0.00
Cabin confinement cover limit i £375.00
Missed port departure excess i
Timetable/itinerary change cover limit i £750.00
Unused excursions cover limit i £500.00

RAC

Black

1 stars
Missed port departure cover limit i £0.00
Re-joining a cruise cover limit i £0.00
Cabin confinement cover limit i £500.00
Missed port departure excess i
Timetable/itinerary change cover limit i £1,000.00
Unused excursions cover limit i £750.00

Travel insurance add-on: winter sports

RAC

Silver

4 stars
Ski equipment owned cover limit i £750.00
Single owned item cover limit i £400.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £400.00
Avalanche closure cover limit i £400.00
Piste closure cover limit i £400.00
Ski equipment owned excess i £50.00
Ski equipment hired i £400.00
Single item limit for hired equipment i £400.00
Unused ski pass due to illness or injury i £400.00

RAC

Black

4 stars
Ski equipment owned cover limit i £1,000.00
Single owned item cover limit i £400.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £400.00
Avalanche closure cover limit i £500.00
Piste closure cover limit i £400.00
Ski equipment owned excess i £0.00
Ski equipment hired i £400.00
Single item limit for hired equipment i £400.00
Unused ski pass due to illness or injury i £400.00

RAC

Orange

3 stars
Ski equipment owned cover limit i £500.00
Single owned item cover limit i £300.00
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £300.00
Avalanche closure cover limit i £250.00
Piste closure cover limit i £400.00
Ski equipment owned excess i £100.00
Ski equipment hired i £300.00
Single item limit for hired equipment i £300.00
Unused ski pass due to illness or injury i £400.00