RAC review
Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026
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Our verdict
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.
Key facts
- Best for
- Households in GB who want several kinds of personal cover on a monthly payment.
- Premium from
- £166 (Source, checked September 26, 2026)
- Insurance types
- Auto, Home, Van, Motorcycle, Travel, Breakdown (Source, checked September 26, 2026)
- Provider type
- Insurer (Source, checked September 26, 2026)
- Monthly payments
- Yes (Source, checked September 26, 2026)
- Claims channels
- Phone, Chat (Source, checked September 26, 2026)
- Age range
- 17-99 (Source, checked September 26, 2026)
- Legal entity
- RAC Financial Services Limited (Source, checked September 26, 2026)
- Headquarters
- United Kingdom (Source, checked September 26, 2026)
- Founded
- 1897 (Source, checked September 26, 2026)
- Support channels
- Phone, Chat, Help-centre, Community (Source, checked September 26, 2026)
- Pricing model
- Monthly
- Official website
- rac.co.uk
Apps and profiles
- Get the app
- Google Play
Pros and cons
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
- Regulated in GB by the Financial Conduct Authority and the Prudential Regulation Authority
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 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
How RAC compares
9.2 vs 9.4
9.2 vs 9.4
9.2 vs 9.4
9.2 vs 9.4
9.2 vs 8.8
9.2 vs 8.7
9.2 vs 9.0
9.2 vs 9.4
9.2 vs 9.3
9.2 vs 8.9
9.2 vs 8.9
9.2 vs 8.9
9.2 vs 9.3
9.2 vs 8.6- 9.2 vs 9.3
9.2 vs 9.3Max Life Insurance
9.2 vs 9.3
9.2 vs 9.3
9.2 vs 9.3
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.2
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 8.9
9.2 vs 8.9
9.2 vs 8.8
9.2 vs 8.8
9.2 vs 8.6- 9.2 vs 8.4
- 9.2 vs 8.2
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Where RAC is available
- Available
- United Kingdom
- Licence in United Kingdom
- Financial Conduct Authority (310208), checked September 26, 2026
- Licence in United Kingdom
- Prudential Regulation Authority (202737), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
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.
Is RAC a regulated insurer?+
RAC Insurance is an insurer, trading as RAC Financial Services Limited, based in the United Kingdom. It holds Financial Conduct Authority and Prudential Regulation Authority permissions in the United Kingdom, so the policies sit inside the UK regulatory framework.
What kinds of cover does RAC sell?+
The book covers auto, home and van. That means car, home, van, motorbike, travel and breakdown from a single provider, which is convenient for households with more than one kind of vehicle or property.
How do I make a claim with RAC?+
Claims can be started by phone or chat, as listed in phone and chat. Support runs on phone, chat and help centre, so a help centre and a community are there as well if you would rather read or ask other customers.
Who does RAC insurance suit?+
It suits GB households wanting several personal policies on a monthly payment, and drivers covered across the 17-99 age band. It suits people who value one insurer for car, home, van, motorbike, travel and breakdown in auto, home and van.
How old is RAC?+
RAC was founded in 1897 and is headquartered in the United Kingdom. It is a long established GB insurer, operating as RAC Financial Services Limited with Financial Conduct Authority and Prudential Regulation Authority permissions.
Does RAC cover pets or life insurance?+
No. Pet, life and health cover do not appear in auto, home and van, so those needs sit elsewhere. The book runs to car, home, van, motorbike, travel and breakdown, with monthly payments available on monthly.
Sources
- rac.co.uk/about-us checked September 26, 2026
Backs: Founded, Headquarters, Pricing model
“1897: Founded as the Automobile Club of Great Britain”
- rac.co.uk/insurance/car-insurance checked September 26, 2026
Backs: Age range, Monthly payments, Premium from
“To be eligible for RAC Car Insurance, you need to be aged between 17 and 99.”
- rac.co.uk/insurance/van-insurance checked September 26, 2026
Backs: Claims channels, Insurance types, Support channels
“If you do need help, you can chat to an agent via web chat or over the phone during opening hours. If in the event you need to notify us of a claim, our claims lines are open 24 hours a day.”
- rac.co.uk/legal-information/compliance-statement checked September 26, 2026
Backs: Provider type, Legal entity, Licences
“RAC Insurance Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.”
Compiled from 4 source pages, checked September 26, 2026. We did not open an account.
Related by the facts
RAC
Households in GB who want several kinds of personal cover on a monthly payment.