RAC

RAC is best known for its breakdown service. This service was originally part of the Royal Automobile Club, a private members' club.

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.

It's now owned by a private equity company, The Carlyle Group.

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 35th of 51 providers reviewed.

Customer happiness 61%
Customer trust 56%
Complaints performance 58%
Transparency rating 40%
Fairer Finance score
Reviewed Spring 2019
54%

Home insurance

Ranked 24th of 47 providers reviewed.

Customer happiness 63%
Customer trust 63%
Complaints performance 58%
Transparency rating 43%
Fairer Finance score
Reviewed Spring 2019
57%

Car insurance

RAC

Car Insurance Plus

3 stars
Cover for keys/locks if lost i £0
Uninsured driver promise i
Courtesy car for duration of repair i
Windscreen repair excess i £0
Windscreen replacement excess i £60
Cover for keys/locks if stolen 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

RAC

Car Insurance

2 stars
Cover for keys/locks if lost i £0
Uninsured driver promise i
Courtesy car for duration of repair i
Windscreen repair excess i £0
Windscreen replacement excess i £60
Cover for keys/locks if stolen 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

RAC

Home Insurance

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

Buildings insurance

RAC

Home Insurance

4 stars
Trace & access i £5,000
Matching sets i
Cover for keys/locks if lost i £500
Compulsory excess i £100
Escape of water excess i £350
Alternative accommodation cover limit i £75,000
Cover for keys/locks if stolen i £500
Property owner liability i £2,000,000
24hr helpline i

Contents insurance

RAC

Home Insurance

3 stars
Theft from outbuildings i £2,000
Matching sets i
Cover for keys/locks if lost i £500
Cycles included whilst in the home i £350
New for old i
Alternative accomodation i £20,000
Money in the home i £500
Cover for keys/locks 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 i £5,000
Personal possessions & baggage - damaged, lost or stolen i £2,000
Max trip duration i 31 days
Emergency medical cover and repatriation i £15,000,000
Cutting trip short/curtailment i £5,000
Abandoning your trip i £5,000
Lost or stolen cash i £400
Combined passport & travel i £250
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

RAC

Black

5 stars
Medical excess i £50
Cancelling before travel i £7,500
Personal possessions & baggage - damaged, lost or stolen i £3,000
Max trip duration i 90 days
Emergency medical cover and repatriation i £20,000,000
Cutting trip short/curtailment i £7,500
Abandoning your trip i £7,500
Lost or stolen cash i £400
Combined passport & travel i £500
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 i £2,000
Personal possessions & baggage - damaged, lost or stolen i £1,500
Max trip duration i 31 days
Emergency medical cover and repatriation i £7,500,000
Cutting trip short/curtailment i £2,000
Abandoning your trip i £2,000
Lost or stolen cash i £300
Combined passport & travel 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 i £5,000
Personal possessions & baggage - damaged, lost or stolen i £2,000
Max trip duration i 31 days
Emergency medical cover and repatriation i £10,000,000
Cutting trip short/curtailment i £5,000
Abandoning your trip i £5,000
Lost or stolen cash i £400
Combined passport & travel 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 i £2,000
Personal possessions & baggage - damaged, lost or stolen i £1,500
Max trip duration i 31 days
Emergency medical cover and repatriation i £12,500,000
Cutting trip short/curtailment i £2,000
Abandoning your trip i £2,000
Lost or stolen cash i £300
Combined passport & travel i £250
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

RAC

Orange

4 stars
Medical excess i £100
Cancelling before travel i £2,500
Personal possessions & baggage - damaged, lost or stolen i £1,500
Max trip duration i 90 days
Emergency medical cover and repatriation i £10,000,000
Cutting trip short/curtailment i £2,500
Abandoning your trip i £2,500
Lost or stolen cash i £300
Combined passport & travel i £150
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

RAC

Silver

4 stars
Medical excess i £60
Cancelling before travel i £5,000
Personal possessions & baggage - damaged, lost or stolen i £2,000
Max trip duration i 90 days
Emergency medical cover and repatriation i £15,000,000
Cutting trip short/curtailment i £5,000
Abandoning your trip i £5,000
Lost or stolen cash i £350
Combined passport & travel i £300
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 i £1,000
Personal possessions & baggage - damaged, lost or stolen i £1,000
Max trip duration i 31 days
Emergency medical cover and repatriation i £5,000,000
Cutting trip short/curtailment i £1,000
Abandoning your trip i £1,000
Lost or stolen cash i £200
Combined passport & travel 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 i £1,000
Personal possessions & baggage - damaged, lost or stolen i £1,000
Max trip duration i 31 days
Emergency medical cover and repatriation i £10,000,000
Cutting trip short/curtailment i £1,000
Abandoning your trip i £1,000
Lost or stolen cash i £200
Combined passport & travel i £250
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

Cruise add-on

RAC

Orange

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

RAC

Silver

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

RAC

Black

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

RAC

Orange (Money Supermarket)

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

RAC

Silver (Money Supermarket)

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

RAC

Black (Money Supermarket)

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

RAC

Orange Essential (Comparison Site)

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

RAC

Silver Essential (Comparison Site)

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

RAC

Black Essential (Comparison Site)

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

Single trip insurance

RAC

Silver

5 stars
Medical excess i £50
Cancelling before travel i £5,000
Personal possessions and baggage - damaged, lost or stolen i £2,000
Emergency medical cover and repatriation i £12,500,000
Cutting trip short/curtailment i £5,000
Missed departure i £1,000
Abandoning your trip i £5,000
Lost or stolen cash i £400
Combined passport & travel i £600

RAC

Black

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

RAC

Silver (Money Supermarket)

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

RAC

Black (Money Supermarket)

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

RAC

Silver Essential (Comparison Site)

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

RAC

Black Essential (Comparison Site)

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

RAC

Orange

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

RAC

Orange (Money Supermarket)

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

RAC

Orange Essential (Comparison Site)

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

Winter sports add-on

RAC

Silver

4 stars
Ski equipment owned i £750
Single item limit for owned equipment i £350
Hiring replacement winter sports equipment i £400
Ski equipment owned excess i £50
Ski equipment hired i £350
Single item limit for hired equipment i £350
Avalanche closure i £400
Piste closure i £400
Unused ski pass due to illness or injury i £400

RAC

Black

4 stars
Ski equipment owned i £1,000
Single item limit for owned equipment i £400
Hiring replacement winter sports equipment i £300
Ski equipment owned excess i £0
Ski equipment hired i £400
Single item limit for hired equipment i £400
Avalanche closure i £500
Piste closure i £400
Unused ski pass due to illness or injury i £400

RAC

Black (Money Supermarket)

4 stars
Ski equipment owned i £1,000
Single item limit for owned equipment i £500
Hiring replacement winter sports equipment i £500
Ski equipment owned excess i £75
Ski equipment hired i £400
Single item limit for hired equipment i £400
Avalanche closure i £500
Piste closure i £500
Unused ski pass due to illness or injury i £500

RAC

Black Essential (Comparison Site)

4 stars
Ski equipment owned i £1,000
Single item limit for owned equipment i £500
Hiring replacement winter sports equipment i £500
Ski equipment owned excess i £75
Ski equipment hired i £400
Single item limit for hired equipment i £400
Avalanche closure i £500
Piste closure i £500
Unused ski pass due to illness or injury i £500

RAC

Orange

3 stars
Ski equipment owned i £500
Single item limit for owned equipment i £300
Hiring replacement winter sports equipment i £300
Ski equipment owned excess i £100
Ski equipment hired i £300
Single item limit for hired equipment i £150
Avalanche closure i £250
Piste closure i £400
Unused ski pass due to illness or injury i £400

RAC

Silver (Money Supermarket)

3 stars
Ski equipment owned i £750
Single item limit for owned equipment i £375
Hiring replacement winter sports equipment i £400
Ski equipment owned excess i £95
Ski equipment hired i £300
Single item limit for hired equipment i £300
Avalanche closure i £400
Piste closure i £400
Unused ski pass due to illness or injury i £400

RAC

Silver Essential (Comparison Site)

3 stars
Ski equipment owned i £750
Single item limit for owned equipment i £375
Hiring replacement winter sports equipment i £400
Ski equipment owned excess i £95
Ski equipment hired i £300
Single item limit for hired equipment i £300
Avalanche closure i £400
Piste closure i £400
Unused ski pass due to illness or injury i £400

RAC

Orange (Money Supermarket)

1 stars
Ski equipment owned i £500
Single item limit for owned equipment i £250
Hiring replacement winter sports equipment i £250
Ski equipment owned excess i £200
Ski equipment hired i £250
Single item limit for hired equipment i £250
Avalanche closure i £250
Piste closure i £250
Unused ski pass due to illness or injury i £250

RAC

Orange Essential (Comparison Site)

1 stars
Ski equipment owned i £500
Single item limit for owned equipment i £250
Hiring replacement winter sports equipment i £250
Ski equipment owned excess i £200
Ski equipment hired i £250
Single item limit for hired equipment i £250
Avalanche closure i £250
Piste closure i £250
Unused ski pass due to illness or injury i £250