Contact the RAC on 0330 159 0740 for assistance with cancelling a RAC car insurance policy. You can call whether you have general car insurance, the black box insurance, multi-car insurance, or their Plus policy. If you only have temporary car insurance then the term may be too short to cancel it.
RAC Car Insurance Cancellation Policy
There is a cooling-off period of 14 days once your cover term begins. You can cancel your RAC car insurance during this time for a lower fee if you change your mind. If you decide to cancel RAC car insurance after 14 days but before the policy end date, then you will have to pay a higher fee. You will have to pay for time on cover until the cancellation date. This means that you might not be eligible for a refund unless you had paid annually.
RAC Car Insurance Cancellation Fees
Once your cover term begins, you can change your mind within 14 days and only pay a £25 arrangement fee and for the limited time on cover. After this, the RAC will charge a £55 cancellation fee to terminate your car insurance policy mid-term. You shouldn’t have to pay the full premium for the entire term unless you have made a claim on your RAC car insurance during the current term. It may be worth paying the fee if you find a cheaper insurer.
How to Cancel RAC Car Insurance Renewal
The RAC should notify you when your car insurance is due to renew. They will automatically renew your policy, potentially with higher premiums, if you do not contact them to cancel this auto-renewal. You should receive a renewal quote around 21 days before your current cover expires, so you can contact the RAC to cancel during this time without having to pay any fees. If your policy auto-renews, then the 14-day cooling-off period applies again.
Cancelling RAC Car Insurance After Claims
If you have made a total-loss claim on your RAC car insurance policy, then cancelling the policy will mean that you must pay the RAC the total annual premium. You will have to pay any outstanding amount before you can leave RAC for another insurance provider. The RAC will not refund you when you cancel after making a total loss claim. Contact them to check how any other claim or incident report may affect how much you have to pay if you cancel.