What's covered
We offer Comprehensive and Third Party, Fire & Theft policies. Plus, our products are now available as online-only policies too. Suitable for customers happy to cut out the call centre and self-serve digitally.
Included as standard
Comprehensive Car Insurance Plus
Comprehensive Car Insurance
Third-party, Fire and Theft Car Insurance
60 days EU cover (at the same level as in the UK)
Repairs guaranteed
(for 3 years at approved garages)
New Car Benefit
Key features
Comprehensive Car Insurance Plus
Comprehensive Car Insurance
Third-party, Fire and Theft Car Insurance
Uninsured driver promise
Vandalism promise
Courtesy car as standard
(subject to availability and eligibility)
Personal accident benefit
Medical expenses
Personal belongings
Transfer Home or Hotel Stay after an accident1
Child Seat Cover
Window Glass Cover
Emergency Treatment
Replacement Locks
Cover for Accessories
Sound and Sat-nav equipment
Find out more about our RAC Car Insurance optional extras
Find out more about our RAC Online Car Insurance optional extras
Extend your cover with our range of optional extras – including RAC Breakdown Cover, Motor Legal Protection, Keycare and Guaranteed Replacement Car.
If you need to insure your vehicle for a short period of time, the RAC’s temporary car insurance option is perfect for you. Get cover for your car from one hour to 30 days.
Frequently Asked Questions
If you have a free courtesy car as part of your insurance, then your insurer will pay the cost (if the accident wasn’t your fault, they may try to recover this money from the other driver’s insurer). If you’re not covered for a courtesy car and you’re in an accident that wasn’t your fault, you might still be able to claim one from the other driver’s insurer.
Not all car insurance covers personal injury – you should check your policy. If you’re injured in an accident that wasn’t your fault, you should be able to claim on the other driver’s insurance.
RAC Comprehensive and Comprehensive Plus Car Insurance covers you for personal injury, but Third Party, Fire and Theft insurance doesn’t.
Third party insurance only covers you for damage and injury caused to someone you’re in a collision with. So if you’re in an accident, you should claim from the other driver’s insurance.
Personal injury cover and personal accident cover are two terms for the same thing – an addon that covers you for the consequences of getting hurt in an accident. For example, compensation if you can’t work after an injury. You’ll get the money whether the accident is your fault or not.