Compare RAC temporary Van & Car insurance

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RAC temporary car insurance

Short term car insurance has seen steady growth, with no signs of letting up in the near future. The demand is fuelled by those that just wish to borrow a car from a friend or family member car for a few days and drive on their own insurance without impacting the car owner's no claims discount. This type of cover is also in demand with learner drovers and students that come home only when University is closed

The RAC temporary car insurance is available for those going on a holiday who want roadside assistance just in case their vehicle malfunctions. It is also taken out by people that are going on a short trip in a rented or borrowed vehicle and want this type of protection just in case. This type of cover is often referred to as short-term breakdown cover.

Key Feature of RAC temporary car insurance

  • Short term car insurance from 1 hr to 30 days
  • Flexible –  Customers can add additional hours online to extend the short term cover
  • Comprehensive Insurance – fully covered for leisure or business use (not hire and reward)
  • Instant cover or buy 28 days in advance

Every insurance company has their own time restraints, but there are some that will cover a vehicle for as little as one hour. The longest time this type of protection can be taken out for is 31 days.

Who provides the RAC with temporary car insurance

The RAC does not actually provide insurance direct they have a panel of brokers that they use for standard car insurance, when it comes to temporary car insurance RAC will redirect you to Dayinsure who offer short term insurance for cars, vans, motorbikes and temporary motorhome insurance

Why would I need temporary breakdown insurance?

There are many reasons to choose RAC temporary car insurance. The most common are below.

  • If you are borrowing a van or larger car, so you can move an item or all of your belongings.
  • When heading out on a trip of some distance for a holiday or vacation.
  • Borrowing a vehicle while yours is being repaired.
  • Transporting a vehicle to be sold or has just been purchased.

RAC temporary breakdown cover is an optional extra

There are three main options in cover for this short time protection.

  • Roadside assistance in the UK is where a mechanic is dispatched to your location and will repair the vehicle for up to 1 hour, or the vehicle will be towed to the nearest garage. This can include home residence, but not always.
  • Carry onward protection in the UK is where you will be taken to your destination if your vehicle breaks down and requires an overnight stay or longer for repairs.
  • European breakdown cover, where you will receive both roadside assistance and carry onward if your vehicle is no longer functioning. It can also include bringing the non-working vehicle back to the UK.

One decision that has to be made is if personal breakdown cover is to be used or vehicle cover will be chosen. With vehicle cover will allow anyone to be the driver, but is more expensive.

What determines the cost of RAC temporary car insurance?

The age of the driver and their driving record reflects on the cost of this cover. The vehicle’s age, its maintenance and repair record also plays into the costs. Other factors are the length of the cover and the level of cover.

Short Term Insurance FAQ's


Can I still get temporary car insurance if I don't have my annual car insurance policy with the RAC?

RAC temporary car and van insurance with is available to both new and existing customers. 

Does the RAC provide Hourly insurance for a test drive?

The RAC provides temporary insurance from 1 hour, which is best suited to test drive a possible new car or used car purchase. 

Can I pay for temporary car insurance Monthly?

Temporary car insurance with the RAC and other providers of short term insurance must be paid for in advance of the policy being issued, no monthly or weekly payments are permitted,

Is temporary van insurance available with the RAC?

The RAC can provide temporary insurance for cars, motorbikes and business vans.

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