RAC Car Insurance
RAC Car Insurance offers award-winning car insurance and comprehensive breakdown cover, providing complete peace of mind for UK drivers since 1897.
Current Offers
No offers available right now from RAC Car Insurance.
Shop at RAC Car InsuranceVoucher Codes
No voucher codes available right now for RAC Car Insurance.
Shop at RAC Car InsuranceAbout RAC Car Insurance
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.
A History of Innovation
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 Product Range & Services
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.
Breakdown Cover and Beyond
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.
The RAC Shopping Experience
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.
Discounts and Loyalty
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.
Discounts & Loyalty
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.
Shipping & Returns
<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.
Company Information
Founded
1897
Headquarters
Walsall, UK
Number of Stores
Online + UK service network
Parent Company
CVC Capital Partners, GIC Private Limited, and Silver Lake
Payment Methods
Frequently Asked Questions
What percentage of breakdowns does RAC fix on the spot?
RAC patrols fix 4 out of 5 breakdowns on the spot, getting you back on the road quickly.
Does RAC cover vehicles of any age?
Yes, RAC covers vehicles of any age, including classic cars.
Is European breakdown cover available?
Yes, RAC European Rescue covers you in 48 countries across Europe.
No reviews yet for RAC Car Insurance
Be the first to write a review3 Ways to Save at RAC Car Insurance in 2026
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.
Join 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.
Saving tips verified by The Virtual Mall, the UK's original online shopping destination since 1999.
RAC Car Insurance Quick Facts
| 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 verified: February 2026
Opens in a new tab
Customer Reviews
Be the first to review
Contact Information
Customer Service
0330 159 1111Customer Service Hours
24/7
Similar Shops
ALA Insurance
ALA Insurance is the UK's largest independent GAP insurance provider, offering essential financial protection for your vehicle, along with car warranty, Keycare, and breakdown cover for ultimate peace of mind.
Reduce My Excess
Reduce My Excess offers award-winning car hire excess insurance, helping you save hundreds on rental costs with comprehensive cover for UK, EU, and Worldwide trips.
The Van Insurer
The Van Insurer helps UK van drivers compare cheap van insurance quotes from dozens of brokers, saving money on policies for personal, commercial, and courier use.
Eversure
Eversure provides specialist insurance policies for over 250,000 customers in the UK, focusing on reliable cover, excellent service, and competitive prices.
Smart Cover
Smart Cover provides award-winning UK insurance services, offering comprehensive cover for home appliances, emergencies, landlords, and motor breakdowns with competitive rates and rapid claims.