The Independent’s journalism relies on its readers for support. When you purchase through the links on our site, we may earn a commission. Why trust us?
What coverage does RAC offer for car insurance?
RAC provides four main levels of coverage: third-party only insurance, third-party fire and theft insurance, comprehensive insurance, and comprehensive insurance with extras. With third-party only insurance, you will be covered for the following: injuries to others, damage to others’ property, driving other cars, and driving abroad. Additionally, third-party fire and theft insurance includes coverage for fire damage, theft coverage, new car replacement coverage, coverage for factory-fitted audio and navigation equipment, coverage for aftermarket audio and navigation equipment, repair guarantees, and other services.
Other car insurance policies from RAC
In addition to basic policies, RAC also offers specialized coverage such as temporary car insurance, temporary commercial vehicle insurance, black box insurance, insurance for electric vehicles, insurance for classic cars, insurance for novice drivers, multi-car insurance, and other specialized policies.
Overview of RAC car insurance policies
RAC provides a diverse range of car coverage, from third-party only insurance to comprehensive insurance with extras. Comprehensive coverage includes claims for accidental damage to the vehicle, coverage for factory-fitted audio and navigation equipment, coverage for aftermarket audio and navigation equipment, coverage for courtesy cars, coverage for medical expense reimbursements, coverage for personal belongings, coverage for window glass, coverage for lock replacement, coverage for other accessories, and emergency treatment coverage.
Optional extras for RAC car insurance
In addition to basic coverage, you can add the following optional benefits to the RAC car insurance policy: breakdown cover, legal protection for vehicles, key cover, guaranteed replacement car cover, no-claims discount protection, and other services.
How to make a claim with RAC car insurance
If you need to make a car insurance claim through RAC, you should follow these steps: check everyone’s safety, exchange details, take notes and photographs, contact RAC, and wait for RAC’s guidance on the next steps.
How to cancel RAC car insurance
If you wish to cancel your car insurance with RAC, you need to contact the service provider. The remaining amount on the policy will be refunded after deducting any applicable fees.
How to contact RAC car insurance
If you need to get in touch with RAC regarding your car insurance, you can call 0330 159 1031. The line operates from 8 AM to 7 PM Monday to Friday, and from 9 AM to 4 PM on weekends and bank holidays. You can also modify your policy details at any time using your online account.
Customer reviews of RAC car insurance
RAC has a “Great” rating on Trustpilot of 3.9 out of 5, based on over 108,900 reviews. However, it should be noted that this rating is based on customer opinions in general and not just on car insurance products. Among the reviews that explicitly mention car insurance, RAC has a good reputation regarding the quality of its call center service. However, the more negative reviews complain about sharply rising renewal offers – a common criticism for most insurers over the past 12 years.
Defaqto rating for RAC car insurance
In addition to the great rating on Trustpilot, RAC receives the following ratings from Defaqto: third-party fire and theft insurance: ★★★, comprehensive insurance: ★★★, comprehensive insurance with extras: ★★★★★.
Comparing RAC to its competitors
As…
Regarding the ratings, RAC has a rating of 3.9 stars on Trustpilot and a 5-star rating from Defaqto. RAC can be compared to its competitors in terms of ratings and reviews.
Conclusion
Aside from the comprehensive car insurance with a five-star rating from Defaqto, the other car insurance policies from RAC seem to be somewhat lacking. This is particularly true for the standard comprehensive insurance policy when compared to the additional level. However, there are many optional benefits that you can add to enhance the overall coverage, including key rescue services.
Frequently Asked Questions About RAC Car Insurance
Do RAC members get cheaper car insurance?
Does RAC car insurance come with rescue services?
Source: https://www.independent.co.uk/advisor/insurance/rac-car-insurance-review
.lwrp .lwrp-list-item.lwrp-empty-list-item{
background: initial !important;
}
.lwrp .lwrp-list-item .lwrp-list-link .lwrp-list-link-title-text,
.lwrp .lwrp-list-item .lwrp-list-no-posts-message{
}@media screen and (max-width: 480px) {
.lwrp.link-whisper-related-posts{
}
.lwrp .lwrp-title{
}.lwrp .lwrp-description{
}
.lwrp .lwrp-list-multi-container{
flex-direction: column;
}
.lwrp .lwrp-list-multi-container ul.lwrp-list{
margin-top: 0px;
margin-bottom: 0px;
padding-top: 0px;
padding-bottom: 0px;
}
.lwrp .lwrp-list-double,
.lwrp .lwrp-list-triple{
width: 100%;
}
.lwrp .lwrp-list-row-container{
justify-content: initial;
flex-direction: column;
}
.lwrp .lwrp-list-row-container .lwrp-list-item{
width: 100%;
}
.lwrp .lwrp-list-item:not(.lwrp-no-posts-message-item){
}
.lwrp .lwrp-list-item .lwrp-list-link .lwrp-list-link-title-text,
.lwrp .lwrp-list-item .lwrp-list-no-posts-message{
};
}
Leave a Reply