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RAC Car Insurance offers award-winning car insurance and comprehensive breakdown cover, providing complete peace of mind for UK drivers since 1897.
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The Royal Automobile Club, widely known as RAC, has been a pillar of British motoring since its foundation in 1897. From its early days introducing uniformed patrols and roadside emergency telephone boxes, RAC has consistently innovated to support drivers across the UK. Today, RAC Car Insurance UK continues this legacy, offering not just insurance but a holistic suite of motoring services designed to provide 'complete peace of mind®'. Their long-standing expertise and commitment to members have cemented their reputation as a leading provider in the automotive sector.
RAC's history is marked by continuous evolution. They developed the UK's first van-mounted charger for electric cars, introduced rapid deployable towing systems, and equipped patrols with advanced mobile diagnostic tools like RAC Scan+. This dedication to cutting-edge solutions ensures that RAC members receive the most efficient and effective assistance, whether it's a breakdown, a flat battery, or a misfuelling incident.
RAC offers a comprehensive array of products and services catering to both personal and business driving needs. Their core offering, RAC Car Insurance, provides flexible and competitive policies, including options for online management and black box insurance. Beyond cars, they also provide van insurance and home insurance, allowing members to consolidate their protection with a trusted brand.
A flagship service is their renowned RAC breakdown cover, known for its high fix rate at the roadside. Members can choose from various levels of cover, including European options. Additionally, RAC assists with vehicle servicing and repairs, offering convenient mobile mechanic services that come to you. The myRAC app is a central hub for members, enabling instant breakdown reporting, access to fuel price comparisons, and essential reminders for MOT, tax, and servicing dates.
Choosing RAC means opting for reliability, convenience, and value. Their award-winning car insurance is backed by excellent customer service, with multiple contact channels available for support, policy changes, and claims. The myRAC app streamlines the management of your policies and access to services, making it easier than ever to stay on top of your motoring needs.
RAC values its members and offers a range of discounts, including special rates for students and NHS staff. The RAC Rewards programme further enhances membership, providing exclusive savings on a wide variety of everyday purchases. This commitment to adding value beyond core services makes RAC a compelling choice for drivers seeking comprehensive support and benefits.
RAC Car Insurance was founded in 1897 and is headquartered in Walsall, UK. It is part of CVC Capital Partners, GIC Private Limited, and Silver Lake, with Online + UK service network locations.
Student Discount
RAC offers student discounts, including 25% off selected cover via Student Beans. They are also listed on UNiDAYS and TOTUM, with various offers available throughout the year for students.
NHS Discount
NHS staff can save up to 33% on RAC breakdown cover through Healthservicediscounts.com.
Loyalty Programme
RAC Rewards
The RAC Rewards programme offers members discounts on everyday purchases such as car washes, appliances, cinema vouchers, Greggs coffee, car and van hire, car servicing, airport hotel & parking, holiday car hire, vehicle trackers, gadget insurance, and Shell V-Power fuel.
<p>Policy documents delivered instantly via email. Physical membership cards posted within 7 days.</p>
Returns Policy
As an insurance provider, RAC Car Insurance policies are subject to cancellation terms rather than a 'returns policy'. Customers should refer to their specific policy documents for details on cancellation rights and any associated fees.
Founded
1897
Headquarters
Walsall, UK
Number of Stores
Online + UK service network
Parent Company
CVC Capital Partners, GIC Private Limited, and Silver Lake
RAC patrols fix 4 out of 5 breakdowns on the spot, getting you back on the road quickly.
Yes, RAC covers vehicles of any age, including classic cars.
Yes, RAC European Rescue covers you in 48 countries across Europe.
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RAC Car Insurance has 1 offer available right now saving up to 40%.
RAC offers student discounts, including 25% off selected cover via Student Beans. They are also listed on UNiDAYS and TOTUM, with various offers available throughout the year for students.
NHS staff can save up to 33% on RAC breakdown cover through Healthservicediscounts.com.
The RAC Rewards programme offers members discounts on everyday purchases such as car washes, appliances, cinema vouchers, Greggs coffee, car and van hire, car servicing, airport hotel & parking, holiday car hire, vehicle trackers, gadget insurance, and Shell V-Power fuel.
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| Standard Delivery | <p>Policy documents delivered instantly via email. Physical membership cards posted within 7 days.</p> |
| Free Delivery | Not available |
| Click & Collect | Not available |
| Returns Policy | As an insurance provider, RAC Car Insurance policies are subject to cancellation terms rather than a 'returns policy'. Customers should refer to their specific policy documents for details on cancellation rights and any associated fees. |
| Student Discount | RAC offers student discounts, including 25% off selected cover via Student Beans. They are also listed on UNiDAYS and TOTUM, with various offers available throughout the year for students. |
| NHS Discount | NHS staff can save up to 33% on RAC breakdown cover through Healthservicediscounts.com. |
| Military Discount | Not available |
| International Shipping | Not available |
| Payment Methods | Visa, Mastercard, American Express, Direct Debit |
| Founded | 1897 |
| Headquarters | Walsall, UK |
Last updated: June 2026
1 offer available
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Customer Service
0330 159 1111Customer Service Hours
24/7