Is RAC a Good Insurance Company?
verified information
Information verified by Adeline Harmant
Our articles are written by experts in their fields (finance, trading, insurance etc.) whose signatures you will see at the beginning and at the end of each article. They are also systematically reviewed and corrected before each publication, and updated regularly.
Discover the methodologyYou are considering buying an insurance policy at RAC and are wondering if RAC is the best insurer for you?
You've come to the right place!
In the below guide you’ll find everything you need to know about RAC: expert and consumers reviews, insurance policies detailed, recommendation, contact and much more.
Stay tuned!
Good to know
Safe's mission is to help anyone trying to get the best value for money deal on personal insurance making the right decision. We've analyzed over 1000 insurance companies and contracts. You will find below our independent and neutral rating and evaluation for RAC.
Who is RAC?
RAC was founded in 1897 making it one of the most experienced companies in the insurance industry. Based in Birmingham, the company offers insurance and breakdown services across the UK and Europe while boasting a membership of over 8 million and 4000 employees.
What are the main insurance policies available at RAC?
Let's discover below main insurance policies offered by RAC.
| Safe overall rate | Our reviews | |
|---|---|---|
| Car insurance | Get to know more | |
| Travel insurance | Get to know more | |
| Home insurance | Get to know more |
RAC expert and consumers reviews: Defaqto, TrustPilot
RAC is regularly audited by Defaqto expert rating. Defaqto ranks each company as well as policies with scores of 1 to 5 stars. Cover details, admin fees, value for money, claim and complaint process and more are analyzed and weighted.
Consumers, on the other hand, can write down their opinions on independent websites such as TrustPilot, Reevoo or Reviews which give great insights on claim process and refund as well as customer service at RAC.
| Defaqto | |
|---|---|
| Car insurance | 5 |
| Home insurance | 5 |
Is RAC a good car insurance company?
3,2 Safe overall rating for RAC car insurance
RAC insurance company comes highly recommended as it offers the major car insurance services and has a strong financial capability to pay out claims. Flexible and instant insurance is provided. Also coverage options like the vandalism cover, free motor legal protection (for the first 12 months of the policy) are offered. However, while the information is listed out properly on the website, there seems to be an information overload that can confuse customers. Many pages had the same set of information. Some details like the cost of some services were also not listed.
In addition to typical car insurance coverage choices, RAC offers, among other options:
Breakdown cover
The breakdown cover comes as an optional extra and is available for £24.99 a year. The following are provided with this optional cover:
- 24/7 roadside breakdown cover
- Roadside car repair as long as you are close to your destination
- A 10 miles tow to a destination of your choice in the event that your car cannot be fixed immediately or by the roadside.
Windscreen cover
With Rac, the windscreen repair and replacement comes with the comprehensive policy. This includes the following options:
- if a claim is being made for the scratching of the car's body as a result of broken glass, the driver would have to cover the initial £60 for the replacement of the glass;
- this excess will not apply if the glass is to be repaired and not replaced;
- claim on windscreen, window or sunroof doesn't affect NCB.
Motor legal protection
The Motor Legal Protection that RAC offers is available for free for the first one year and for RAC members, it is available for the duration of the insurance policy. The following are offered:
- £100,000 for legal fees
- 24/7 legal helpline for advice as regards motoring issues
- Provision of legal costs to help the driver recover what might have been lost during the accident.
Personal injury policy
The Personal policy injury cover that RAC offers is:
- only available with the Standard Comprehensive cover and the Comprehensive Car Insurance Plus cover
- for the standard cover, a sum of £5,000 is offered
- for the insurance plus cover, a sum of £10,000 is offered.
Besides main car insurance coverage, you can also get extra car insurance options at RAC. Get to know more, read our complete review on RAC car insurance.
Is RAC a good travel insurance company?
4,6 Safe overall rating for RAC travel insurance
Aside from Travel Insurance across 3 levels: Orange, Silver and Gold, they also offer Car Insurance as well as Breakdown Cover. Car Insurance customers are eligible for discounts on the Travel Insurance Policies offered by RAC.
Due to the high customer satisfaction rate on Trust Pilot and the 5 star rating on Defaqto, we would recommend RAC for anyone looking for generously discounted travel insurance premiums.
We would mainly recommend the Silver and Black levels of cover due to their 5 star rating on Defaqto.
For single and annual multi-trip cover, age and maximum number of days limits at RAC are:
| Main travel insurance policies | Available at RAC |
|---|---|
| RAC maximum number of days limit | Single Trip: Up to 94 days |
| RAC age limit | Single Trip: No age limit |
You will find RAC cover details (compensations, deductibles, extras etc.) for single and annual multi-trip policies in our review.
Besides main travel insurance policies, RAC also provides extra cover such as:
- backpackers travel insurance
- long stay travel insurance
- winter sports cover
- golf cover
- cover for business trips
- cruise gear
- gadget cover
Wedding Cover is available as an upgrade at RAC and it comes with the following benefits:
- Up to £2,000 per person wedding attire cover
- Up to £1,000 for wedding gifts
- Up to £150 for wedding gifts in form of cash
- Up to £1,000 for wedding rings
- Up to £1,000 for photographs and video recording.
>> MORE: read our complete review on RAC travel insurance.
Is RAC a good home insurance company?
4,2 Safe overall rating for RAC home insurance
RAC home insurance service is administered by BISL Limited. One level of cover is provided and this cover has a 5 star rating from Defaqto.
RAC offers both Building and Content Cover and there is the option to combine both cover options. For the building cover, a sum of £75,000 is provided for alternative accommodations. The policy also covers up to £500 if your locks or keys have to be replaced. And there is also £5000 available for when you go to college or university and something gets stolen while it was temporarily kept in your dorm.
Standard contents insurance ranks a bit higher with up to £20000 for alternative accommodation and up to £5000 cover for items temporarily removed. Accidental damage as standard.
Other situations that are covered by RAC are fire, explosion, water damage, burglary, vandalism, liability, impact damage made by vehicles, storms, earthquakes and floods.
RAC has customers customer portal, social media help supports, which makes it easier for their policyholders to gain better access to their services. Their customer care reviews are on the average side but their services are recommended.
RAC building insurance
You will find below building main insurance details for the Home Insurance cover at RAC:
- Maximum sum insured for your property: £750 000
- Owner's liability: Only stated in policy wording
- Alternative emergency accomodation: £75 000
- Period of home's unoccupancy cover: 45 days
- Trace and access: £5 000
- Keys cover: £500
- Subsidence excess: Only stated in policy wording
Alongside building insurance, you can get additional cover such as:
| Home building insurance extras | |
|---|---|
| Home emergency |
|
| Boiler cover |
|
| Family legal protection |
|
RAC contents insurance
You will find below contents insurance details for the Home Insurance cover at RAC:
- Maximum sum insured for your contents: Only stated in policy wording
- Alternative emergency accomodation: £20 000
- Single item limit: £1 500
- Contents in the open: £1 000
- Contents in outbuildings: Only stated in policy wording
- Money / credit card kept at home: Only stated in policy wording / Only stated in policy wording
- Items temporarily removed from home: £5 000
Alongside contents insurance, you can get additional cover such as:
| Home contents insurance extras | |
|---|---|
| Accidental damage cover | Optional extra |
| Personal possessions cover | Not Stated |
| Mobile cover | Not Stated |
| Bike cover | Not Stated |
Standard excess to report a claim at RAC is Only stated in policy wording.
You will find exhaustive cover details, administration fees, contacts etc. on RAC home insurance on our review below.
>> MORE: read our complete review on RAC home insurance.
| Life insurance criteria | |
|---|---|
| Minimum age | |
| Maximum age | |
| Pay-out | |
| Extras | |
| Terminal illness |
RAC discount codes, promos and vouchers
| Discounts and promo codes available | |
|---|---|
| Car insurance |
|
| Travel insurance | Yes, you can get up to 10% discount if you apply online. You can also get more discounts if you happen to be the company's car insurance customer. |
| Home insurance | No discount available. |
How to contact RAC?
Find out how to contact and log in to RAC on our contact page.
