RAC car insurance

Price comparison websites like MoneySuperMarket can help you find cheaper car insurance from providers such as RAC compared with going direct. There are several ways we can help you save money:

• our Price Promise¹ means if you find the same policy cheaper elsewhere (including on a provider’s website), we’ll refund the difference and give you a £20 gift card

• our Price Optimiser gives you tailored tips on how to adjust your policy to reduce the price – 80% of customers saved on their car insurance using this tool

• our SuperSaveClub² rewards programme gives you added perks, including £15 when you buy a car insurance policy and benefits like a Free Days Out annual pass

We also make it quick and easy to compare RAC policies alongside other insurers, so you can check you’re getting the best deal and see if the same level of cover is available for less elsewhere.

^{1 Price Promise terms and conditions}

^{2 SuperSaveClub terms and conditions}

If you bought your RAC car insurance through MoneySuperMarket, you can find your policy information by logging into our website or app. Your active policies will be shown on your dashboard.

Alternatively, you can find your RAC car insurance policy on the RAC customer portal by logging into your account.

Yes, the RAC charges a £15 administration fee for changes you make to your car insurance via your online account, such as changing your address or adding extra drivers. Your premium may also go up or down depending on the change.

Yes, you can add up to 5 named drivers to your RAC car insurance. To add a driver to your RAC car insurance policy, log into your RAC online account and go to the policy overview page.

Adding extra drivers to your RAC car insurance may increase or decrease your car insurance premium, depending on their risk profile. MoneySuperMarket data found that adding a young driver (under 25) to any car insurance policy increased premiums by £768.94^{^} on average.

Most RAC car insurance policies do not include breakdown cover as standard, but it can be purchased as an optional add-on for an extra fee. The exception is RAC Car Insurance Premier, which includes breakdown cover as standard and costs £504^{^} on average.

You do not need to have a car insurance policy with the RAC to buy RAC breakdown cover. You can also buy breakdown cover from a different provider if you have RAC car insurance.

Most RAC car insurance policies will be set up for auto-renewal. This means that after your existing contract ends RAC will start a new one for you using the payment details they have on file. No action is required from you and there will be no break in your car insurance cover.

Auto-renewal does not mean you will get the same cover at the same price as you had before. RAC must contact you in advance of your policy renewing to inform you of any price or policy changes. If you don't want your RAC cover to auto-renew, you need to inform RAC before your policy end date. You can do this through your RAC account.

Before letting your RAC policy auto-renew, it's worth comparing car insurance quotes to see if you could get a better deal elsewhere. Shopping around can help ensure you’re not paying more than necessary, as renewal prices aren’t always the most competitive.

RAC Online car insurance policies are a cheaper version of RAC car insurance policies because they are managed entirely online via the RAC website or app and do not offer call centre support. Otherwise, the policy features are the same.

If you opt for an online version of a RAC policy you will still be able to call a phone line for car insurance claims. But if you need any help with any other issue you will need to speak to RAC's online agents instead of calling in. These agents are available during set hours: Monday-Friday 8am-8pm, Saturday 8am-6pm and Sunday 10am-4pm.

Yes, you can pay for your RAC car insurance policy via monthly Direct Debits. This is usually more expensive than paying one annual lump sum, because car insurers add interest onto monthly payments.

The RAC (Royal Automobile Club) was founded in 1897 and introduced the first roadside emergency telephone boxes in 1912.

It’s probably best known for its breakdown assistance, but it now sells a range of different insurance policies. These include cover for vans, caravans, and motorbikes. There's also temporary insurance and classic car insurance on offer.

Away from vehicles, you can buy home insurance and travel insurance from the RAC.

RAC car insurance is underwritten by a panel of leading UK insurers, including Ageas, Aviva and LV=. This means RAC doesn’t insure drivers directly. Instead, when you get a quote, your details are assessed by insurers on its panel, and one of them offers the policy. That insurer is the one taking on the risk and paying out any claims.

Your policy documents will confirm which insurer underwrites your cover.

RAC car insurance is also arranged and administered by BISL Limited, an insurance broker. This means BISL handles things like setting up your policy, renewals and customer service, while the underwriter is responsible for claims decisions and payouts.

This setup is very common in the UK insurance market and doesn’t affect the validity of your cover. Many well-known brands act as intermediaries, working with a panel of insurers rather than underwriting policies themselves.

There are a few implications to be aware of:

• the claims experience can vary depending on the underwriter

• you may deal with different companies for customer service and claims

There are no inherent disadvantages, but it makes it important to check your policy documents so you understand exactly who provides your cover and what is included.