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Table of Contents
Who is the RAC?
The RAC was founded in 1897 as the Automobile Club of Great Britain. Its main services include roadside assistance and breakdown cover, as well as insurance. Along with car insurance, it offers travel, home, business and car hire excess insurance.
The RAC has approximately 4,000 staff, with offices in Walsall, Manchester and Bristol.
RAC car insurance policies are arranged and administered by BISL Limited. RAC Insurance is a trading name of RAC Financial Services Limited and is authorised and regulated by the Financial Conduct Authority (FCA).
Why should I consider the RAC?
There are three main types of car insurance policy to choose from with the RAC: Third Party, Fire and Theft, Standard Comprehensive Car Insurance and Comprehensive Car Insurance Plus.
All policies offer motor legal protection free for 12 months, plus 60 days EU cover as standard. Remaining cover levels will then depend on the policy you choose.
Both types of comprehensive policy include the following levels of cover as standard: personal accident benefit, medical expenses, courtesy car, personal belongings, window glass cover, replacement locks, and sound/sat-nav equipment cover.
Breakdown cover, motor legal protection, keycare cover and guaranteed replacement car cover can be bolted on to policies for an additional cost.
Customers looking for specialist car insurance can also choose from the following:
- Pay by mile
- Black box
- Temporary
- Electric
- Learner driver
- Multicar
- Classic car
- Test drive
Finally, RAC’s Comprehensive Car Insurance Plus policy is rated five-stars by Defaqto.
How to contact the RAC
Customers with car insurance queries can contact the RAC by phone between 8am and 8pm Monday to Friday, between 8am and 6pm on Saturdays, and between 10am and 4pm on Sundays and bank holidays.
Existing customers can log into their account online to view and manage their policy.
Alternatively, the RAC can be found on Twitter as @TheRAC_UK, although customer queries are best directed to @RAC_Care. You can also find the insurance provider on Facebook.
How to find the best cover for you
When comparing car insurance policies, affordability will be one of the most important factors to consider. But it shouldn’t be the only one. You will also need to consider how much cover you have. Choosing the cheapest policy available won’t necessarily provide adequate cover and could put you at risk of being underinsured.
Always compare the level of cover of each policy to see what is included as standard and what you might need to pay extra for. It’s worth running several quotes and choosing different add-ons to see how it affects the price to ensure you get the best deal.
Choosing a more expensive policy that offers everything you need can be more cost-effective in the long run if you need to make a claim.
Why it makes sense to compare policies and providers
Car insurance providers have traditionally offered their most competitive deals to new customers, while those that have remained loyal to their insurer year after year have often paid more.
However, under new rules introduced by the FCA in January 2022, car (and home) insurance companies can no longer charge existing customers more for their renewal than they’d charge a new customer for the equivalent policy.
Despite this, it is still best to shop around for your car insurance each year to make sure you continue to get the right level of cover at the best price.
It is also worth looking for customer reviews on sites such as Trustpilot to see how existing policyholders rate their cover and customer service. Defaqto also gives star ratings to car insurance providers which can give you a good indication of the service they offer.
