Updated September 29, 2026 · AssureCue Editorial Team
Gigasure vs RAC
What sets them apart
| Compare |  Gigasure |  RAC |
|---|---|---|
| Premium from | £36.35Lower | £166 |
| Insurance types | Travel, Van | Auto, Home, Van, Motorcycle, Travel, BreakdownCovers more |
| Provider type | Broker | Insurer |
| Claims channels | App, Website | Phone, Chat |
| Age range | 18-75 single trip, 18-70 annual multi-trip | 17-99 |
| Monthly payments | Not confirmed | Yes |
| Excess from | £0 to £10,000 | Not confirmed |
| Cover limit | Medical expenses trips abroad: GBP 10,000,000 (Core) to GBP 20,000,000 (Max) | Not confirmed |
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Key differences
- RAC scores higher overall: 9.2 vs 8.9.
- Premium from is lower at Gigasure: £36.35 vs £166.
- Insurance types: only RAC offers Auto, Home, Motorcycle.
- Claims channels: only Gigasure offers App, Website.
- Claims channels: only RAC offers Phone, Chat.
- Support channels: only Gigasure offers Email.
- Support channels: only RAC offers Community.
Our verdict on each
Gigasure
Gigasure suits people in the UK who want travel or van cover alone rather than a full personal lines policy, and car hire excess cover starts at £36.35. It is a broker registered with the Financial Conduct Authority, so the selling firm is named, regulated and checkable.
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 | Gigasure | RAC |
|---|---|---|
| Cost | 9.0HigherEntry price of £36.35 for car hire excess sits above the site median, which stands at €8.37. | 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 | 9.0 | 9.3Higher |
| Trust | 8.8 | 9.7Higher |
Positions in our rankings
| Ranking | Gigasure | RAC |
|---|---|---|
| Car insurance | 21 of 393 | 113 of 393 |
| Travel insurance | 31 of 291 | 126 of 291 |
| Van insurance | 3 of 38 | 14 of 38 |
Also worth a look
Eversure has premium from at £17.47, against £36.35 for Gigasure and £166 for RAC.
Eversure reviewEvery fact side by side
| Fact | Gigasure | RAC |
|---|---|---|
| Audience | Seniors | Not confirmed |
| Pricing model | Not confirmed | Monthly |
| Legal entity | Gigasure Services Limited | RAC Financial Services Limited |
| Headquarters | United Kingdom | United Kingdom |
| Founded | Not confirmed | 1897 |
| Support channels | Email, Chat, Phone, Help centre | Phone, Chat, Help centre, Community |
Where each stands against the rest
| Fact | Gigasure | RAC | Median |
|---|---|---|---|
| Premium from | £36.35highest quarter | £166highest quarter | £7.95 |
| Excess from | £0 to £10,000below the median | Not confirmed | £25 |
Median across 51 listed insurance providers.
Pros and cons
Gigasure
Pros
- Excess on car hire excess cover runs £0 to £10,000, so a traveller chooses how much of the rental charge to carry instead of accepting a fixed figure.
- Claims are filed through the app and website and support runs on email, chat and phone, giving policyholders live and written routes inside the same provider.
- The FCA registration 1005421 sits on a broker, so the firm taking the instruction is named and checkable by the customer.
Cons
- The catalogue is travel and van, so anyone wanting home, motor or life in the same place has to move to another provider.
- On entry price Gigasure ranks 199 of 252 across the site, so the starting figure sits high in a list sorted from the lowest premium.
- The 5.1 overall score is a middling one, and its 5.1 cost part is the same, so the price case is the part that needs arguing.
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
Gigasure
Who it suits
- Travellers inside the 18-75 single trip, 18-70 annual multi-trip bands, whether they are booking a single trip or an annual multi-trip policy.
- Anyone taking a car hire excess policy who wants the excess set themselves, with options running £0 to £10,000.
- Van owners who want travel and van held by the same broker, given the range is travel and van.
Who should look elsewhere
- Shoppers after auto, home or pet in the same place: Good Sam Insurance Agency lists auto, home and renters.
- Readers comparing a UK budget with another market: EuroAsia Insurance is priced at UZS 60,000 in Uzbek soum, which does not line up with a UK travel or van figure.
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
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 | Gigasure | RAC |
|---|---|---|
| United Kingdom | Yes | Yes |
Questions about each
Gigasure
What does Gigasure actually sell?+
Gigasure is a focused personal lines broker and its range is travel and van, travel and van, with nothing else sitting alongside them. A shopper after a full household bundle is looking at a different kind of provider. Both lines sit inside the same brand, which keeps quoting and claims in the same place.
How much does car hire excess insurance cost?+
The entry figure is £36.35 for car hire excess cover, and the excess a traveller accepts on that policy runs £0 to £10,000. How much of the rental company's charge you agree to carry is the decision behind the quote, so £36.35 reads as the floor of the price rather than a typical bill.
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.