Independent guide — VIP Claims is not affiliated with RAC Insurance.
How to Make an RAC Insurance Claim
Varies by policy; RAC acts as intermediary/administrator and arranges cover with a panel of insurers (per RAC's privacy policy, the underwriting insurer is separate from the intermediary)
The short answer
RAC car insurance claims are started through My Account, where you're directed to the correct phone number or online claims journey for your specific underwriting insurer. There isn't a single universal RAC claims number because cover is arranged across a panel of insurers.
Official RAC Insurance claim contacts
These are RAC Insurance's own contact details, published on RAC Insurance's website. They are not VIP Claims numbers.
Claim online at RAC Insurance- Log a claim
Official RAC Insurance contact number
Log in to My Account and select the claims option; you're given a phone number or online claim link specific to your insurer
- Sales / general enquiries0330 159 1111
Official RAC Insurance contact number
For new sales and general enquiries, not claims-specific
Policy types: RAC car insurance customers are underwritten by different panel insurers, so the specific claims phone number or online journey depends on which insurer sits behind your policy; this is confirmed to you inside My Account. RAC Black Box Car Insurance is arranged and administered by Ticker.
VIP Claims — independent
Was the accident not your fault?
If another driver was at fault, you may have options beyond claiming on your own RAC Insurance policy. VIP Claims Ltd is an independent accident management company and can check, free of charge, whether we're able to manage the claim for you. Eligibility depends on the circumstances of the accident, and nothing is guaranteed.
This is a VIP Claims contact number, not an RAC Insurance number. VIP Claims Ltd is not affiliated with or endorsed by RAC Insurance.
Step by step
How to start a RAC Insurance claim
- 1Log in to My Account and select the claims option in the navigation bar
- 2Choose the relevant claim type: windscreen, vehicle or breakdown support
- 3Follow the phone number or online link provided for your insurer
- 4For breakdown claims, complete the online journey
Before you call
Information to have ready
- Policy number
- Vehicle registration
- Details of the incident
- Third-party details if applicable
Our car accident checklist covers what to record at the scene.
What happens next
After you report the claim
- Track your claim status under the claims status section in My Account
- Additional information requests may need to be handled via web chat rather than My Account
Costs
Excess and your no-claims discount
An excess only applies to windscreen claims if the screen needs replacing rather than repairing; no claims discount is unaffected either way. Choosing Plus or Premier cover means an uninsured driver incident won't affect your excess or no-claims discount.
Your policy schedule sets your compulsory and voluntary excess — check it before assuming an amount. See also our guide to non-fault claims.
Staying mobile
Courtesy car or replacement vehicle
A courtesy car isn't guaranteed in every case, for example if your car is written off or stolen; optional Guaranteed Replacement Car cover provides a replacement vehicle for 14 or 28 days in these circumstances.
Provided under your own cover, usually only while the car is with an approved repairer, and typically a small standard model.
Where another driver is at fault and you are eligible, a like-for-like vehicle may be arranged as part of the claim against them.
A hire vehicle supplied on credit, with the cost pursued from the at-fault insurer. Subject to eligibility and your obligations if the claim fails.
None of these is automatic. Read more in our replacement vehicle guide.
Repairs
Approved repairers and your choice of garage
Repairer arrangements depend on which underwriting insurer is behind your policy; details are provided once a claim is logged in My Account.
Your options
If the accident wasn't your fault
After a non-fault accident you generally have three routes. Which suits you depends on your cover, your excess, and how quickly you need a vehicle.
Claim through RAC Insurance
- Simplest single point of contact.
- Your excess is usually payable first and recovered later if liability is admitted.
- The claim is recorded against your policy, which can affect renewal even when you are not at fault.
Claim against the at-fault insurer
- No excess payable to your own insurer.
- You deal directly with the other side, which can be slower if liability is disputed.
- You are responsible for evidencing your losses.
Use an independent accident manager
- VIP Claims can handle repairs, recovery and the claim where you are eligible.
- Services are subject to eligibility and the circumstances of the accident.
- Not guaranteed, and not a substitute for your policy obligations.
Whichever route you choose, most motor policies require you to notify your own insurer of the accident, even if you do not make a claim on your own policy. Check the notification condition in your policy wording.
VIP Claims — independent
Was the accident not your fault?
If another driver was at fault, you may have options beyond claiming on your own RAC Insurance policy. VIP Claims Ltd is an independent accident management company and can check, free of charge, whether we're able to manage the claim for you. Eligibility depends on the circumstances of the accident, and nothing is guaranteed.
This is a VIP Claims contact number, not an RAC Insurance number. VIP Claims Ltd is not affiliated with or endorsed by RAC Insurance.
Existing claims
Tracking an existing RAC Insurance claim
For an ongoing claim, the correct phone number is shown on the claims screen inside My Account; you can also contact RAC's customer team for extra support.
If something goes wrong
Complaining about a RAC Insurance claim
RAC signposts customers needing extra help with a claim to contact its customer team via the Contact Us page.
Questions
RAC Insurance claims: frequently asked questions
Why doesn't RAC have one single claims phone number?+
What claims history do I need to declare?+
How do I add a claim I'd forgotten to declare?+
Does RAC Black Box Insurance work differently?+
Where this came from
Sources
The RAC Insurance details on this page were taken from RAC Insurance's own published information on the dates shown. Insurers change contact details and processes, so please confirm anything important in your policy documents.
- RAC – Car Insurance Claims Information — checked 5 June 2025
- RAC – Contact Us — checked 5 June 2025
Read our editorial policy and correction process.
Related guides
- Non-fault claims explainedYour rights and options when the accident wasn't your fault.
- What accident management isHow an independent accident manager differs from your insurer.
- Replacement vehiclesCourtesy cars, like-for-like hire and who pays for them.
- Car accident checklistWhat to do and record in the first minutes after a crash.
- Write-offs and total lossHow valuations work and how to challenge a low offer.
Other insurer claim guides
VIP Claims Ltd is an independent UK accident management company. We are not affiliated with, appointed by or endorsed by RAC Insurance, and we are not an insurer. This guide is general information, not legal or financial advice.
Our services — including replacement vehicles, repairs and excess recovery — are subject to eligibility and the circumstances of your accident, and are not guaranteed. You should check your own policy for its accident notification requirements.