RAC Electric Car Insurance is designed specifically for the needs of electric and hybrid vehicle owners, they have got a very tidy EV package that is ideal for EV owners. Known for its exceptional EV breakdown services, RAC brings the same reliability and attention to detail to its car insurance products, particularly for EVs.
RAC Electric Car Cover Features
RAC offers two main levels of car insurance for electric vehicles: Comprehensive and Comprehensive Plus. These policies have specific features for electric cars.
With both levels of cover, RAC includes battery protection as a standard feature. Whether your battery is leased or owned, it is covered against accidental damage, fire, and theft. This coverage is crucial, given the significant cost of replacing an EV battery.
Enhanced Features with Comprehensive Plus
For those seeking even more extensive coverage, RAC’s Comprehensive Plus policy offers additional benefits. This includes higher limits for personal accident cover, medical expenses, and personal belongings protection. You also receive enhanced cover for aftermarket sound and sat-nav equipment, making it a great choice for those with custom setups.
The Comprehensive Plus policy provides an uninsured driver promise and vandalism protection. If your car is involved in an accident with an uninsured driver or is vandalised, your no-claims discount remains intact, providing peace of mind in unfortunate situations.
5-Star Defaqto Rating
RAC’s Car Insurance Plus has earned a prestigious 5-star rating from Defaqto. A High Defaqto rating means that RAC’s products resonate very well with UK customers.
Three-Year Repair Guarantee
When you choose RAC, any repairs conducted at approved garages are guaranteed for three years.
Optional EV Breakdown Cover
RAC’s breakdown cover for electric vehicles is a standout feature. Available as an optional add-on, this service is specifically tailored for EVs, with fully trained patrols ready to assist 24/7.
Courtesy Car Provision
If your EV requires repairs following an accident, RAC provides a courtesy car to keep you mobile.
Contacting RAC and Making a Claim
If you need to make a claim with RAC Electric Car Insurance, here’s how you do it:
Step 1: Ensure Safety
After any incident, your first priority should be the safety of all involved. Make sure that you, your passengers, and any third parties are safe and secure. If necessary, call emergency services before proceeding with your insurance claim.
Step 2: Exchange Details
If another vehicle is involved, exchange essential details with the other driver. This includes names, addresses, registration numbers, and insurance policy numbers. Gathering this information accurately is crucial for a smooth claims process.
Step 3: Document the Incident
Take notes and photographs of the scene, including any damage to vehicles, road conditions, and other relevant factors such as weather and time of day. This documentation can be vital when processing your claim.
Step 4: Contact RAC as Soon as Possible
You should contact RAC to report the incident as soon as you can, even if you’re unsure about making a claim. To start the process, you can call RAC’s claims line at 0330 159 1062. The line is open 24/7, ensuring you have access to assistance whenever you need it.
Step 5: Follow RAC’s Instructions
Once you’ve reported the incident, RAC will guide you through the next steps. Depending on the situation, this could involve arranging for repairs at an approved garage, sending a recovery vehicle to your location, or advising on further actions needed to process your claim.
Contacting RAC for General Inquiries
For any other inquiries related to your RAC car insurance policy, such as making changes or checking details, you can contact RAC’s customer service at 0330 159 1031. The customer service line is open from 8am to 7pm, Monday to Friday, and from 9am to 4pm on weekends and bank holidays. You can also manage your policy details online 24/7 through your RAC account.
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What We Like About RAC Electric Car Insurance
RAC’s electric car insurance is comprehensive and well-suited for EV drivers. They cover the battery and charging equipment cover as standard, and also have options for EV breakdown cover. We also like the additional protections, such as uninsured driver cover and vandalism protection.
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John is the Editor and Spokesperson for Electric Car Guide.
With over 20 years of writing experience, he has written for titles such as City AM, FE News and NerdWallet.com, covering various automotive and personal finance topics.
John’s market commentary has been covered by the likes of The Express, The Independent, Yahoo Finance and The Evening Standard.
