RAC Car Insurance

Who are RAC Car Insurance?

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Read our guide to find out what type of car insurance cover is offered by the RAC.

Red car with cycle rack

Founded in 1897, the RAC (Royal Automobile Club) introduced the first roadside emergency telephone boxes in 1912 and is best known for its breakdown assistance.

Although its focus is still very much on recovery services, it also provides a range of motoring-based insurance products, including cover for vans, caravans, motorbikes, and classic cars.  

It also offers short-term car insurance, and home insurance, and travel insurance.

RAC Car Insurance is run by Junction, which is also responsible for the insurance arms of brands including Lloyds, Post Office, HSBC, M&S Bank, Halifax and Santander. Junction is part of BISL Limited, which owns a number of other insurance brands, including Bennetts, Budget, and Dial Direct.

Contact RAC Car Insurance

RAC Car Insurance can be reached by calling 0330 159 1111, and is on both Facebook and Twitter.

What types of cover does RAC Car Insurance offer?

RAC Car Insurance provides a variety of car insurance policies, including single car, multi-car, classic car, ‘black box’ telematics cover, and cover for learner drivers.

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Information about RAC Car Insurance

All RAC Car Insurance comprehensive policies come with the following benefits:

  • Courtesy car as standard (subject to availability).
  • Motor Legal Protection.
  • Three-year guarantee for repairs carried out by an approved garage.

Insurance Plus policies offer the following additional benefits:

  • Uninsured driver promise so you won’t lose any no claims discount if your car is vandalised or hit by an uninsured driver.
  • A replacement lock service for lost or stolen keys.

RAC members get RAC Car Insurance at a discounted rate. RAC Car Insurance also offers a 10% discount when you insure additional cars in your household with RAC Multicar.

RAC Car Insurance’s credentials

RAC Car Insurance is provided by Junction, part of BISL Limited and authorised and regulated by the Financial Conduct Authority.

How the type of car you drive affects the cost of car insurance

The type of car you drive can have a big effect on the cost of your car insurance. As you might expect, the cheapest cars to insure are usually the ones that are relatively cheap to buy, so if you’re looking for a car that won’t cost a small fortune to insure, go for a low-spec model with a small engine.

It’s worth noting that modifications can also bump up premium prices, so look out for cars that have had their engines tuned, or have had a body kit or any after-market add-on fitted, else you could be in for a shock when running insurance quotes.

No matter what car you own though, you can save on the cost of car insurance by comparing quotes with MoneySuperMarket. Visit our car insurance channel today and run a price comparison to see if you can reduce your car insurance premium.

READ: What are car insurance groups and how do they affect premium prices

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