Updated September 29, 2026 · AssureCue Editorial Team
Aviva vs RAC
Where Aviva and RAC differ
| Compare |  Aviva |  RAC |
|---|---|---|
| Premium from | £5Lower | £166 |
| Insurance types | Auto, Home, Renters, Landlord, Life, Critical illness, Income protection, Health, Travel, Pet, Van, Breakdown | Auto, Home, Van, Motorcycle, Travel, Breakdown |
| Claims channels | Online, App, Phone | Phone, Chat |
| Age range | 18-77 | 17-99 |
Same on both: Provider type (Insurer), Monthly payments (Yes).
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Key differences
- Aviva scores higher overall: 9.4 vs 9.2.
- Premium from is lower at Aviva: £5 vs £166.
- Insurance types: only Aviva offers Renters, Landlord, Life.
- Insurance types: only RAC offers Motorcycle.
- Claims channels: only Aviva offers Online, App.
- Claims channels: only RAC offers Chat.
- Support channels: only RAC offers Community.
Our verdict on each
Aviva
Aviva suits people who want one regulated insurer for the whole family, from car and home to life and critical illness cover. Life premiums start at £5 a month, a low entry point, and the account is overseen by the Financial Conduct Authority and the Prudential Regulation Authority.
RAC
RAC Insurance is a GB insurer with a long history and a wide book of personal lines, suited to people who want car, home, van, motorbike, travel and breakdown cover from one monthly provider. It sits well down the premium ranking, with car premiums from £166.
Score breakdown
| Area | Aviva | RAC |
|---|---|---|
| Cost | 9.1HigherLife premiums start at £5, below the site median of €8.37, and monthly payments are available. | 8.6Car premiums from £166 sit well above the site median of €8.37, with monthly payments as the only pricing model in monthly. |
| Offer | 9.4Higher | 9.3 |
| Trust | 9.6 | 9.7Higher |
Feature by feature
| Insurance types | Aviva | RAC |
|---|---|---|
| Auto | Yes | Yes |
| Home | Yes | Yes |
| Renters | Yes | No |
| Life | Yes | No |
| Health | Yes | No |
| Travel | Yes | Yes |
| Pet | Yes | No |
| Motorcycle | No | Yes |
| Van | Yes | Yes |
| Breakdown | Yes | Yes |
| Landlord | Yes | No |
| Critical illness | Yes | No |
| Income protection | Yes | No |
Also worth a look
Scottish Friendly has premium from at £0.23, against £5 for Aviva and £166 for RAC.
Scottish Friendly reviewHow they place
| Ranking | Aviva | RAC |
|---|---|---|
| Car insurance | 64 of 393 | 113 of 393 |
| Home insurance | 48 of 272 | 101 of 272 |
| Travel insurance | 75 of 291 | 126 of 291 |
| Van insurance | 6 of 38 | 14 of 38 |
| Breakdown cover | 9 of 52 | 22 of 52 |
Every fact side by side
| Fact | Aviva | RAC |
|---|---|---|
| Audience | Seniors | Not confirmed |
| Pricing model | Monthly | Monthly |
| Legal entity | Aviva plc | RAC Financial Services Limited |
| Headquarters | United Kingdom | United Kingdom |
| Founded | Not confirmed | 1897 |
| Support channels | Phone, Chat, Help centre | Phone, Chat, Help centre, CommunityCovers more |
Business insurance
| Fact | Aviva | RAC |
|---|---|---|
| Cover types | Employers liability, Professional indemnity, Public liability | Not confirmed |
| Industries | vehicles, vans, rental property | Not confirmed |
Where each stands against the rest
| Fact | Aviva | RAC | Median |
|---|---|---|---|
| Premium from | £5below the median | £166highest quarter | £7.95 |
Median across 51 listed insurance providers.
Pros and cons
Aviva
Pros
- One insurer covers auto, home and renters
- Life premiums start at £5, under the site median of €8.37
- Aviva is an insurer, so it carries the risk itself
Cons
- £5 is an entry figure on life cover
- monthly lists monthly as the only model
- Support runs on phone, chat and help centre only
RAC
Pros
- One insurer for the full personal book: car, home, van, motorbike, travel and breakdown in auto, home and van
- Monthly payments confirmed across the book, with monthly the only model listed in monthly
- Support runs on phone, chat and help centre, and claims can be started by phone or chat in phone and chat
Cons
- Car premiums start at £166, above the site median of €8.37
- Van and breakdown cover sit in a small part of the market, 7.7% and 9.9% of brands
- Help centre and community are listed for support, so written and peer help sits behind the phone and chat options in phone, chat and help centre
Who each suits
Aviva
Who it suits
- Families wanting car, home, renters, landlord, life, health, travel, pet, van and breakdown cover from one regulated insurer
- Older policyholders looking for life cover from an insurer listing seniors as an audience
- Landlords and vehicle businesses needing employers liability, professional indemnity and public liability
Who should look elsewhere
- Anyone wanting annual billing, since monthly lists monthly as the only model
- Readers wanting motorcycle or dental cover, neither of which appears in auto, home and renters
- Businesses needing cyber or property cover, as employers liability, professional indemnity and public liability covers only three lines
RAC
Who it suits
- GB drivers and households who hold a car, van, motorbike or home policy
- People who pay premiums monthly rather than in a single sum
- Anyone who wants a claims line by phone or chat, per phone and chat
Who should look elsewhere
- People chasing the lowest entry price, since £166 is far above €8.37
- Shoppers who want pet, life or health cover added to the same policy, none of which appear in auto, home and van
- Drivers outside GB, since the policies are written by a GB insurer, RAC Financial Services Limited
Current offers
Aviva
Current offer
Bonus
Amazon.co.uk gift card reward for Life Insurance Plan: Amazon.co.uk gift card worth GBP 50 to GBP 200
Apply for a Life Insurance Plan by 9 November 2026; claim after paying six monthly premiums; max one reward per person and per policy; GBP 50 for monthly premium GBP 5-9.99, GBP 80 for GBP 10-19.99, GBP 140 for GBP 20-29.99, GBP 200 for GBP 30 or more; limited time offer, restrictions apply, may be withdrawn
Source, checked September 26, 2026
First period offer
Free life insurance when buying a home: up to 90 days free life insurance
Applies when buying a home; terms apply, see policy conditions for full details
Source, checked September 26, 2026
RAC
Current offer
Bonus
Free upgrade to Online Plus cover for RAC members buying direct: Free upgrade to 5-star Defaqto rated Online Plus cover
RAC members who buy directly from rac.co.uk; no set discount applies on car insurance for breakdown members
Source, checked September 26, 2026
Discount code
Discount for RAC Members on van insurance
Automatic discount applied to RAC members; optional extras selected during the online journey
Source, checked September 26, 2026
Country by country
| Country | Aviva | RAC |
|---|---|---|
| United Kingdom | Yes | Yes |
Questions about each
Aviva
How much does Aviva cost as a starting point?+
Life insurance premiums start at £5. That figure sits below the site median of €8.37, where the market runs from €2.92 to €29.72. Motor, home and health cover are quoted separately rather than from this headline number.
Can I pay Aviva premiums monthly?+
Monthly payments are available and monthly lists monthly as the arrangement. That is the only model on record, so readers who prefer to settle a policy in one payment each year will not find that option here. Instalments can make a policy easier to start, though the total paid over the term is worth checking.
RAC
How much does RAC insurance cost?+
Car premiums are listed from £166, and that sits well above the site median of €8.37 across 252 brands. The entry price puts RAC near the back of the field on premium from, at 237. Quotes depend on your own details.
Can I pay RAC premiums monthly?+
Yes. Monthly payments are confirmed, and monthly lists monthly as the only pricing model. That spreads the cost of a policy across the year rather than asking for one payment, which suits anyone who prefers steady outgoing costs.
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