RAC Car Insurance

Website: RAC

Phone RAC Car Insurance: 0845 3000 755

The knights of the road offer car insurance to average drivers, with the usual exceptions: imports, modified cars and residents of Northern Ireland. Ordering online nets you up to a 10% discount and the site promises the best price, with policies underwritten by Norwich Union.

• No claims discount protection
• Courtesy car (not guaranteed)
• Legal cover

RAC Car Insurance is underwritten by Norwich Union, and its clout means it can often get cheaper prices than the competition – although that wasn't the case with our test quotes, which were slightly more expensive than many competitors. The quotation form isn't too scary (although there's a lot of legal bumph to wade through) and the process is nice and fast, but prices aren't as competitive as they could be: our Corsa driver was quoted £498.86, while our 4x4 owner was quoted £454.33. Excesses for both policies were reasonable (£125 and £175 respectively), although other services were cheaper. Policies include a (non-guaranteed) courtesy car, legal cover and optional no claims discount protection.