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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Car insurance

Ranked 37th of 52 providers reviewed.

Customer happiness 56.89%
Customer trust 57.62%
Complaints performance 67.14%
Transparency rating 61.97%
Fairer Finance score
Reviewed Autumn 2020
58%

Home insurance (building and contents)

Ranked 24th of 51 providers reviewed.

Customer happiness 57.65%
Customer trust 55.43%
Complaints performance 75.97%
Transparency rating 54.13%
Fairer Finance score
Reviewed Autumn 2020
61%

Car insurance

RAC

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

4 stars
Cover limit for lost keys i £1,000
Uninsured driver promise i
Courtesy car for duration of repair i
Windscreen repair excess i £0
Windscreen replacement excess i £60
Cover limit for stolen keys i £1,000
Cover for replacing original audio/visual equipment i Unlimited
24hr helpline available i
Repairs guarantee (years) i 3 years
Courtesy car provided if stolen / total loss i

RAC

Car Insurance

2 stars
Cover limit for lost keys i £0
Uninsured driver promise i
Courtesy car for duration of repair i
Windscreen repair excess i £0
Windscreen replacement excess i £60
Cover limit for stolen keys i £500
Cover for replacing original audio/visual equipment i Unlimited
24hr helpline available i
Repairs guarantee (years) i 3 years
Courtesy car provided if stolen / total loss i

Home insurance (building and contents)

RAC

Home Insurance

3 stars
Escape of water excess i £350
Matching sets i
Theft from outbuildings cover limit i £2,000
24hr helpline i
Alternative accommodation cover limit i £75,000
Cover for keys if lost i £500
Money in the home i £500
Replace belongings new for old i

Buildings insurance

RAC

Home Insurance

3 stars
Finding & repairing a leak cover limit i £5,000
Cover for keys if lost i £500
Matching sets i
Alternative accommodation cover limit i £75,000
Cover for keys if stolen i £500
Compulsory excess i £100
Escape of water excess i £350
Property owner liability i £2,000,000
24hr helpline i

Contents insurance

RAC

Home Insurance

2 stars
Theft from outbuildings cover limit i £2,000
Matching sets i
Cover for keys if lost i £500
Cover limit for cycles in the home i £350
Replace belongings new for old i
Alternative accommodation cover limit i £20,000
Money in the home cover limit i £500
Cover for keys if stolen i £500
24hr helpline i

Travel insurance

Annual multi-trip insurance

RAC

Black Essential (Comparison Site)

5 stars
Medical excess i £75
Cancelling before travel cover limit i £5,000
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £2,000
Max trip duration i 31 days
Emergency medical cover and repatriation cover limit i £15,000,000
Cutting trip short cover limit i £5,000
Abandoning your trip cover limit i £5,000
Lost or stolen cash i £400
Combined passport & travel cover limit i £250
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

RAC

Silver

5 stars
Medical excess i £50
Cancelling before travel cover limit i £5,000
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £2,000
Max trip duration i 90 days
Emergency medical cover and repatriation cover limit i £15,000,000
Cutting trip short cover limit i £5,000
Abandoning your trip cover limit i £5,000
Lost or stolen cash i £400
Combined passport & travel cover limit i £600
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

RAC

Black

5 stars
Medical excess i £0
Cancelling before travel cover limit i £7,500
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £3,000
Max trip duration i 90 days
Emergency medical cover and repatriation cover limit i Unlimited
Cutting trip short cover limit i £7,500
Abandoning your trip cover limit i £7,500
Lost or stolen cash i £500
Combined passport & travel cover limit i £750
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

RAC

Silver (Money Supermarket)

4 stars
Medical excess i £95
Cancelling before travel cover limit i £2,000
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £1,500
Max trip duration i 31 days
Emergency medical cover and repatriation cover limit i £7,500,000
Cutting trip short cover limit i £2,000
Abandoning your trip cover limit i £2,000
Lost or stolen cash i £300
Combined passport & travel cover limit i £250
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

RAC

Black (Money Supermarket)

4 stars
Medical excess i £75
Cancelling before travel cover limit i £5,000
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £2,000
Max trip duration i 31 days
Emergency medical cover and repatriation cover limit i £10,000,000
Cutting trip short cover limit i £5,000
Abandoning your trip cover limit i £5,000
Lost or stolen cash i £400
Combined passport & travel cover limit i £250
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

RAC

Silver Essential (Comparison Site)

4 stars
Medical excess i £95
Cancelling before travel cover limit i £2,000
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £1,500
Max trip duration i 31 days
Emergency medical cover and repatriation cover limit i £12,500,000
Cutting trip short cover limit i £2,000
Abandoning your trip cover limit i £2,000
Lost or stolen cash i £300
Combined passport & travel cover limit i £250
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

RAC

Orange

3 stars
Medical excess i £100
Cancelling before travel cover limit i £3,000
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £1,250
Max trip duration i 90 days
Emergency medical cover and repatriation cover limit i £10,000,000
Cutting trip short cover limit i £3,000
Abandoning your trip cover limit i £3,000
Lost or stolen cash i £200
Combined passport & travel cover limit i £100
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

RAC

Orange (Money Supermarket)

1 stars
Medical excess i £200
Cancelling before travel cover limit i £1,000
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £1,000
Max trip duration i 31 days
Emergency medical cover and repatriation cover limit i £5,000,000
Cutting trip short cover limit i £1,000
Abandoning your trip cover limit i £1,000
Lost or stolen cash i £200
Combined passport & travel cover limit i £250
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

RAC

Orange Essential (Comparison Site)

1 stars
Medical excess i £200
Cancelling before travel cover limit i £1,000
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £1,000
Max trip duration i 31 days
Emergency medical cover and repatriation cover limit i £10,000,000
Cutting trip short cover limit i £1,000
Abandoning your trip cover limit i £1,000
Lost or stolen cash i £200
Combined passport & travel cover limit i £250
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

Single trip insurance

RAC

Silver

5 stars
Medical excess i £50
Cancelling before travel cover limit i £5,000
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £2,000
Emergency medical cover and repatriation cover limit i £15,000,000
Cutting trip short cover limit i £5,000
Missed departure cover limit i £1,000
Abandoning your trip cover limit i £5,000
Lost or stolen cash i £400
Combined passport & travel cover limit i £600

RAC

Black

5 stars
Medical excess i £0
Cancelling before travel cover limit i £7,500
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £3,000
Emergency medical cover and repatriation cover limit i Unlimited
Cutting trip short cover limit i £7,500
Missed departure cover limit i £1,250
Abandoning your trip cover limit i £7,500
Lost or stolen cash i £500
Combined passport & travel cover limit i £750

RAC

Silver (Money Supermarket)

4 stars
Medical excess i £95
Cancelling before travel cover limit i £2,000
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £1,500
Emergency medical cover and repatriation cover limit i £7,500,000
Cutting trip short cover limit i £2,000
Missed departure cover limit i £500
Abandoning your trip cover limit i £2,000
Lost or stolen cash i £300
Combined passport & travel cover limit i £250

RAC

Black (Money Supermarket)

4 stars
Medical excess i £75
Cancelling before travel cover limit i £5,000
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £2,000
Emergency medical cover and repatriation cover limit i £10,000,000
Cutting trip short cover limit i £5,000
Missed departure cover limit i £750
Abandoning your trip cover limit i £5,000
Lost or stolen cash i £400
Combined passport & travel cover limit i £250

RAC

Silver Essential (Comparison Site)

4 stars
Medical excess i £95
Cancelling before travel cover limit i £2,000
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £1,500
Emergency medical cover and repatriation cover limit i £12,500,000
Cutting trip short cover limit i £2,000
Missed departure cover limit i £500
Abandoning your trip cover limit i £2,000
Lost or stolen cash i £300
Combined passport & travel cover limit i £250

RAC

Black Essential (Comparison Site)

4 stars
Medical excess i £75
Cancelling before travel cover limit i £5,000
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £2,000
Emergency medical cover and repatriation cover limit i £15,000,000
Cutting trip short cover limit i £5,000
Missed departure cover limit i £750
Abandoning your trip cover limit i £5,000
Lost or stolen cash i £400
Combined passport & travel cover limit i £250

RAC

Orange

3 stars
Medical excess i £100
Cancelling before travel cover limit i £3,000
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £1,250
Emergency medical cover and repatriation cover limit i £10,000,000
Cutting trip short cover limit i £3,000
Missed departure cover limit i £300
Abandoning your trip cover limit i £3,000
Lost or stolen cash i £200
Combined passport & travel cover limit i £100

RAC

Orange (Money Supermarket)

1 stars
Medical excess i £200
Cancelling before travel cover limit i £1,000
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £1,000
Emergency medical cover and repatriation cover limit i £5,000,000
Cutting trip short cover limit i £1,000
Missed departure cover limit i £250
Abandoning your trip cover limit i £1,000
Lost or stolen cash i £200
Combined passport & travel cover limit i £250

RAC

Orange Essential (Comparison Site)

1 stars
Medical excess i £200
Cancelling before travel cover limit i £1,000
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £1,000
Emergency medical cover and repatriation cover limit i £10,000,000
Cutting trip short cover limit i £1,000
Missed departure cover limit i £250
Abandoning your trip cover limit i £1,000
Lost or stolen cash i £200
Combined passport & travel cover limit i £250

Travel insurance add-on: cruise cover

RAC

Orange

1 stars
Missed port departure cover limit i £0
Re-joining a cruise cover limit i £0
Cabin confinement cover limit i £250
Missed port departure excess i
Timetable/itinerary change cover limit i £0
Unused excursions cover limit i £300

RAC

Silver

1 stars
Missed port departure cover limit i £0
Re-joining a cruise cover limit i £0
Cabin confinement cover limit i £375
Missed port departure excess i
Timetable/itinerary change cover limit i £0
Unused excursions cover limit i £500

RAC

Black

1 stars
Missed port departure cover limit i £0
Re-joining a cruise cover limit i £0
Cabin confinement cover limit i £500
Missed port departure excess i
Timetable/itinerary change cover limit i £0
Unused excursions cover limit i £750

RAC

Orange (Money Supermarket)

1 stars
Missed port departure cover limit i £0
Re-joining a cruise cover limit i £0
Cabin confinement cover limit i £0
Missed port departure excess i
Timetable/itinerary change cover limit i £0
Unused excursions cover limit i £300

RAC

Silver (Money Supermarket)

1 stars
Missed port departure cover limit i £0
Re-joining a cruise cover limit i £0
Cabin confinement cover limit i £0
Missed port departure excess i
Timetable/itinerary change cover limit i £0
Unused excursions cover limit i £500

RAC

Black (Money Supermarket)

1 stars
Missed port departure cover limit i £0
Re-joining a cruise cover limit i £0
Cabin confinement cover limit i £0
Missed port departure excess i
Timetable/itinerary change cover limit i £0
Unused excursions cover limit i £750

RAC

Orange Essential (Comparison Site)

1 stars
Missed port departure cover limit i £0
Re-joining a cruise cover limit i £0
Cabin confinement cover limit i £0
Missed port departure excess i
Timetable/itinerary change cover limit i £0
Unused excursions cover limit i £300

RAC

Silver Essential (Comparison Site)

1 stars
Missed port departure cover limit i £0
Re-joining a cruise cover limit i £0
Cabin confinement cover limit i £0
Missed port departure excess i
Timetable/itinerary change cover limit i £0
Unused excursions cover limit i £500

RAC

Black Essential (Comparison Site)

1 stars
Missed port departure cover limit i £0
Re-joining a cruise cover limit i £0
Cabin confinement cover limit i £0
Missed port departure excess i
Timetable/itinerary change cover limit i £0
Unused excursions cover limit i £750

Travel insurance add-on: winter sports

RAC

Silver

4 stars
Ski equipment owned cover limit i £750
Single owned item cover limit i £350
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £300
Ski equipment owned excess i £50
Ski equipment hired i £350
Single item limit for hired equipment i £350
Avalanche closure cover limit i £400
Piste closure cover limit i £400
Unused ski pass due to illness or injury i £400

RAC

Black

4 stars
Ski equipment owned cover limit i £1,000
Single owned item cover limit i £400
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £300
Ski equipment owned excess i £0
Ski equipment hired i £400
Single item limit for hired equipment i £400
Avalanche closure cover limit i £500
Piste closure cover limit i £400
Unused ski pass due to illness or injury i £400

RAC

Black (Money Supermarket)

4 stars
Ski equipment owned cover limit i £1,000
Single owned item cover limit i £500
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £500
Ski equipment owned excess i £75
Ski equipment hired i £400
Single item limit for hired equipment i £400
Avalanche closure cover limit i £500
Piste closure cover limit i £500
Unused ski pass due to illness or injury i £500

RAC

Black Essential (Comparison Site)

4 stars
Ski equipment owned cover limit i £1,000
Single owned item cover limit i £500
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £500
Ski equipment owned excess i £75
Ski equipment hired i £400
Single item limit for hired equipment i £400
Avalanche closure cover limit i £500
Piste closure cover limit i £500
Unused ski pass due to illness or injury i £500

RAC

Orange

3 stars
Ski equipment owned cover limit i £500
Single owned item cover limit i £300
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £300
Ski equipment owned excess i £100
Ski equipment hired i £300
Single item limit for hired equipment i £300
Avalanche closure cover limit i £250
Piste closure cover limit i £400
Unused ski pass due to illness or injury i £400

RAC

Silver (Money Supermarket)

3 stars
Ski equipment owned cover limit i £750
Single owned item cover limit i £375
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £400
Ski equipment owned excess i £95
Ski equipment hired i £300
Single item limit for hired equipment i £300
Avalanche closure cover limit i £400
Piste closure cover limit i £400
Unused ski pass due to illness or injury i £400

RAC

Silver Essential (Comparison Site)

3 stars
Ski equipment owned cover limit i £750
Single owned item cover limit i £375
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £400
Ski equipment owned excess i £95
Ski equipment hired i £300
Single item limit for hired equipment i £300
Avalanche closure cover limit i £400
Piste closure cover limit i £400
Unused ski pass due to illness or injury i £400

RAC

Orange (Money Supermarket)

1 stars
Ski equipment owned cover limit i £500
Single owned item cover limit i £250
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £250
Ski equipment owned excess i £200
Ski equipment hired i £250
Single item limit for hired equipment i £250
Avalanche closure cover limit i £250
Piste closure cover limit i £250
Unused ski pass due to illness or injury i £250

RAC

Orange Essential (Comparison Site)

1 stars
Ski equipment owned cover limit i £500
Single owned item cover limit i £250
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £250
Ski equipment owned excess i £200
Ski equipment hired i £250
Single item limit for hired equipment i £250
Avalanche closure cover limit i £250
Piste closure cover limit i £250
Unused ski pass due to illness or injury i £250