Car insurance
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- 5 Star Defaqto Rating on RAC Car Insurance Plus
- Our customers voted us Moneyfacts Car Insurance Provider of the Year
- Peace of mind – we pay out on 99% of claims*
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RAC Car Insurance covers you if your car is damaged, vandalised, stolen or catches fire. We find customers our most competitive car insurance quotes from our panel of selected insurers. With RAC Online cover, you'll cut out the call centre and manage everything yourself, digitally. Whilst also benefiting from lower fees. Get great quality car insurance from a brand you can trust.
Our customers voted us Moneyfacts Car Insurance Provider of the Year for 4 years running
We pay out on 99% of claims, giving you confidence when you need it most*
*Based on claims made for RAC Car Insurance and Online Car Insurance, excluding add-ons, between October 2024 – March 2025.
The minimum legal requirement is third party car insurance. However, this doesn't cover the potentially high costs of repairing any damage nor does it cover you if your vehicle is stolen or damaged in a fire. Comprehensive car insurance gives you the highest cover, and protects against damage to your own vehicle, even if you're to blame for the accident.
All policies will include a number of benefits as standard. If you're looking to manage your account digitally and pay lower admin fees, why not look at RAC Online Car Insurance.
60-day EU cover
Repairs guaranteed for 3 years
New car benefit – we'll provide a brand new car if yours is written off*
Live chat with an agent 7 days a week
Get an instant quote based on your vehicle's engine size and coverage duration
We offer 4 cover levels in total. Comprehensive Plus gives you the most extensive cover, with all features included. The remaining policies vary.
| 5 Star Defaqto rated | ||
|---|---|---|
| Comprehensive plus | Comprehensive | Third Party, Fire and Theft |
Drivers in the UK are required by law to have valid car insurance. Driving without car insurance is illegal and could lead to a fine, penalty points or disqualification.
If you're involved in any kind of road accident, car insurance can protect you, your vehicle and other road users by providing financial compensation to cover the costs of any damage or injuries.
The cost of car insurance will vary according to your individual situation. For example, where you live, your age, the car you're insuring, and any previous driving convictions you might have. See what you could be paying by doing a car insurance quote.
The cost of your car insurance depends on lots of factors and many of them can't be changed. For example, the age of a driver. But to get cheaper car insurance, you could do the following:
^For example, if you set your excess at £150 instead of £50, the cost of your policy should reduce but you should make sure you would be able to pay this amount in event of making a claim.
If you're a younger driver or have recently passed your test, it may be worth considering a specialist policy – such as black box car insurance – which monitors driving behaviour and rewards safe driving. In other words, the safer you drive, the cheaper your premium could be when it comes to renewing your car insurance policy.
