Our Cover Goes the Extra Mile

Our premiums mean your money does the same

We know that what you want from your car insurance policy as a young driver, will be different to the cover you’ll need as you get older. That’s why we don’t believe you’ll find policies that are more appropriate to the way you drive and use your car, or more competitive in terms of the cost of your premiums, than ours. And why we’re fast becoming recognized as one of the leading providers of young driver motor insurance.

Summary of cover

For full details of your car insurance policy, simply download the policy booklets and Key facts summaries on the Car Insurance Policy Wordings page. These detailed documents will explain any Terms and Conditions which may apply to particular sections.



Roadside Cover

  • Will attend any breakdown that is over ¼ mile from home address
  • Try to repair vehicle at roadside, if not possible then we will arrange a 10 mile tow to a destination of the member’s choice or the nearest repairer
  • If your vehicle is left at a garage for repairs, RAC will reimburse taxi fares up to 20 miles for 8 people


Roadside, Recovery, At Home

All of Option 1 plus:

  • If the vehicle cannot be repaired locally within a reasonable time, we will recover the vehicle to any destination in the UK together with up to 8 people
  • Recovery can also be used if the driver falls ill and no one else can drive so that the journey can be continued. Subject to a medical certificate being provided
  • At Home cover is the same as Roadside with the added advantage of cover from your home address


Roadside, Recovery, Onward Travel

All of Option 2 plus:

  • Replacement car hire (+21 yrs olds only) up to 2 days
  • Alternative transport costs – we’ll reimburse you for rail, air, or other public transport costs – up to £150 per person or £500 per group
  • Accommodation – 1 night’s B&B accommodation for up to 8 people (£150 per person or £500 per group)


  • Average response time of 45 minutes
  • 83% fix rate at the roadside
  • 24/7 assistance
  • More patrols per member than any other provider to ensure quick response times
  • No limits on number of call-outs per year
  • Cover from home (on selected cover)
  • Carry spare parts and batteries
  • Able to carry out temporary puncture repairs
  • All RAC patrols are employed directly by RAC


Key Protection


  • Emergency 24-hour helpline available 365 days a year
  • Annual protection for permanently lost keys to cover the cost of replacement keys, locks and car hire charges up to £1,500
  • Access to a nationwide network of locksmiths
  • No Claim Discount policy is not affected under your car insurance policy
  • Keys for any lock are covered including home and car keys
  • Nil excess to pay




  • Legal defence of motoring prosecutions
  • Legal expenses up to £100,000 per claim
  • Recovery of uninsured losses if a third party is at fault e.g. policy excess; replacement hire car; and bodily injury caused to you or your passengers
  • No excess to pay