RAC review
Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026
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Our verdict
RAC Insurance is a sensible pick for UK households wanting car, home, van, motorcycle, travel and breakdown cover from one long-established insurer. It underwrites policies itself through RAC Financial Services Limited and can be paid monthly, though the starting premium of £166 is higher than the €0 free entry point listed among the alternatives.
Key facts
- Best for
- Drivers and households in the UK wanting several kinds of cover from one regulated insurer.
- Premium from
- £166↗
- Insurance types
- Auto, Home, Van, Motorcycle, Travel, Breakdown↗
- Provider type
- Insurer↗
- Monthly payments
- Yes↗
- Claims channels
- Phone, Chat↗
- Age range
- 17-99↗
- Legal entity
- RAC Financial Services Limited↗
- Headquarters
- United Kingdom↗
- Founded
- 1897↗
- Support channels
- Phone, Chat, Help-centre, Community↗
- Pricing model
- Monthly
- Official website
- rac.co.uk
Facts checked September 26, 2026, 4 sources
Apps and profiles
- Get the app
- Google Play
Pros and cons
Pros
- Covers auto, home and van under one roof
- Monthly payments are available, so cover does not have to be paid in a lump
- Runs on monthly billing with support across phone, chat and help centre
- Authorised and regulated by the Financial Conduct Authority and the Prudential Regulation Authority
Cons
- Starting premium of £166 sits well above the €25 entry point among the alternatives
- Claims run on phone and chat only
- Providers of this kind of cover run on monthly payments rather than a single annual charge
Who it suits
- UK drivers insuring a car, van or motorcycle
- Households bundling home and travel cover with breakdown assistance
- Anyone who prefers an insurer that regulates its own policies rather than a broker
Who should look elsewhere
- Buyers chasing the lowest entry price, where €0 and €25 are the floor
- People who want to file claims by email, since phone, chat and help centre has no email option
- Households wanting a single annual payment rather than monthly billing
Deposit protection
RAC is an insurer rather than a deposit taker, so insurer is the type of company behind the policy. It writes through RAC Financial Services Limited, and its permissions come from the Financial Conduct Authority under 310208 and the Prudential Regulation Authority under 202737. Both regulators are named in the licences, which is the reassurance available on this page. No savings protection scheme is stated here, because cover sits with the policy rather than a deposit.
How RAC compares
9.2 vs 8.6
9.2 vs 9.4
9.2 vs 9.3
9.2 vs 9.4
9.2 vs 8.7
9.2 vs 8.5
9.2 vs 9.4
9.2 vs 8.7
9.2 vs 9.0
9.2 vs 8.7
9.2 vs 9.4
9.2 vs 9.2
9.2 vs 9.4
9.2 vs 9.4
9.2 vs 9.4
9.2 vs 8.7Its €25 starting figure sits between the free alternatives and RAC, for readers balancing cost against cover.
9.2 vs 9.0
9.2 vs 8.8Its €0 entry point is the cheapest floor listed, so it suits readers focused purely on starting cost.
9.2 vs 8.9
9.2 vs 8.9
9.2 vs 9.0
9.2 vs 8.3
9.2 vs 9.5
9.2 vs 9.4
9.2 vs 9.4
9.2 vs 9.4
9.2 vs 9.3
9.2 vs 9.3
9.2 vs 9.3
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 9.1
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 9.1
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 9.0
9.2 vs 8.9
9.2 vs 8.9
9.2 vs 8.9- 9.2 vs 8.6
9.2 vs 8.6
9.2 vs 8.5
9.2 vs 8.4
9.2 vs 8.3
9.2 vs 8.3
9.2 vs 8.2- 9.2 vs 8.0
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
What does a RAC policy cost to start?+
Car cover from RAC begins at £166, which is the figure other insurers are ranked against on this page. That is higher than the €0 and €25 entry points listed among the alternatives, so price is not where RAC leads.
Can I pay for RAC insurance monthly?+
Yes. Monthly payments are available on RAC policies, and the model behind them is monthly billing. That spreads the cost across the year rather than requiring one annual payment, which suits households with steady monthly income.
Who regulates RAC Insurance?+
RAC is an insurer, and its permissions come from two UK regulators named in its licences. It is authorised by the Financial Conduct Authority under 310208 and regulated by the Prudential Regulation Authority under 202737.
What kinds of cover can I buy from RAC?+
RAC covers a broad personal insurance range. The listed types are auto, home and van, so a car or van policy can sit alongside home, travel and breakdown assistance under the same provider.
How do I contact RAC or make a claim?+
Support runs on phone, chat and help centre, which mixes live contact with self service. Claims specifically run on phone and chat, so a claim starts by phone or chat rather than in writing, with a help centre and community available for questions.
Who does RAC insurance suit?+
RAC fits UK households that want more than one kind of policy from a single provider. It suits drivers of cars, vans and motorcycles, and anyone wanting home, travel and breakdown cover added to a motor policy without moving to a different insurer.
Where is RAC based and how old is it?+
RAC is a GB insurer, so its policies are aimed at the UK market rather than Europe. It has been operating since 1897, and the insurance side underwrites through RAC Financial Services Limited.
Is RAC cheaper than the alternatives listed?+
Not on starting price. RAC begins at £166, while bunq starts at €0, bunq Spain at €0 and Linxea at €25. RAC competes more on breadth of cover and on regulating its own policies.
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
Drivers and households in the UK wanting several kinds of cover from one regulated insurer.