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RAC car insurance

RAC, known best for its breakdown service, began selling car insurance in the late 1980s after RAC Insurance Limited began operating as a subsidiary.

How good is RAC car insurance?

Defaqto rating: 5/5 stars

In 2020, RAC Car Insurance Plus was awarded the top rating of five stars by Defaqto.

Note: Not all Defaqto products with the same star ratings have the same covers and terms.

Fairer Finance rating: 4/5 stars

Fairer Finance rates RAC Car Insurance Plus four out of five stars. Its customer experience ratings gave it a score of 57% (45th out of 55).

About RAC car insurance

The RAC now offers a wide range of car insurance services and is highly rated by expert review websites.

Comprehensive and third party policies are arranged and administered by BISL Limited and are underwritten by a panel of top insurers – Ageas, Aviva, Axa, Co-op Insurance Service (CIS), Covea, Liverpool Victoria (LV), Sabre, Saga and Zenith.

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More about RAC

RAC began life in 1897 as the Automobile Club of Great Britain, a London-based sports club whose members were also early motoring enthusiasts. By royal assent from Edward VII – another early petrolhead – it became the Royal Automobile Club in 1907.

RAC Insurance Limited was incorporated in 1989, but in 1999 the entire business was acquired by Lex Group, which changed its name to RAC Ltd in 2002, before being bought by Aviva in 2005. 

Now headquartered in Walsall in the West Midlands, RAC Ltd has been co-owned by Singapore sovereign wealth fund CIG and CVC Capital since 2015.

RAC car insurance policies

RAC standard car insurance cover

RAC additional car insurance cover options

What is RAC car insurance best for?

RAC’s 100-year legacy of providing services to motorists has provided it with the platform to build a respected car insurance business. And with top ratings from review websites, RAC is clearly providing quality comprehensive cover packed with benefits in its RAC Car Insurance Plus policy.

Complaints data

The Financial Ombudsman Service received fewer than 10 car insurance complaints about RAC (that could have been a single complaint). To put that in context, 67 firms had 10 or more complaints each and those totalled 4,550 complaints. Nearly 200 firms had fewer than 10 each, sharing just 479 complaints between them.

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