The COVID-19 pandemic
We know you're concerned about what coronavirus means for you – find out how it could impact you Read more
Simple, low cost car insurance.
We keep costs low by being online and only covering careful drivers.
Customers, to view documents, make a claim and make changes sign in.
Self-service. Online. Low cost.
High quality car cover at a low cost
Change your car details online - unlike other insurers, we won't charge you admin fees for making changes to your car policy (excludes cancellation fees).
Car insurance cover information.
What we cover
Who we cover
Extra cover
Hire car - A Hire Car till yours is fixed or replaced
RAC breakdown cover - Choose from Six levels of cover
Keycare - Cover all the keys attached to your fob
Increased personal accident cover - £60,000 for serious injury or death
Protected NCD - Keep your No claim discount (NCD), even if you have to make a claim
Motor legal services
Make a claim
Car insurance policy (opens as PDF)
If you are an existing customer, please check the documents section of My Account for your policy information
All this is included in our standard cover:
- Accidental damage to your car
- Loss or theft of your car
- Fire damage
- New car replacement
- Car recovery & approved repair
- Courtesy car
- Third-party damage or injury
- Third-party cover for other cars
- Audio equipment
- Personal belongings cover
- European cover
- Glass repair or replacement
- 24-hour emergency support
- Personal Accident Cover
We can insure you if you're:
- Aged between 21 and 75 years
- Driving with a UK or EU licence
- A resident of Great Britain (not including Northern Ireland, the Isle of Man or the Channel Islands)
- In a car that is 20 years or younger, worth £70k or less and without significant modifications (other than optional extras fitted by manufacturer or dealer as new and declared in the car value, and those solely made in respect of a disability)
- Looking for a fully comprehensive cover
- Insuring a car, as we do not cover vans
- Keeping your car at the registered address of the policyholder
- Safety conscious: no more than one claim (excluding windscreen claims) and no more than two minor convictions in the last 5 years
Our optional extra covers keep you moving, when your own car can't!
You can upgrade with additional cover if you want to. Simply add one or more of these options:
The Hire Car option entitles you to a replacement car provided by one of our approved repairers.
- It is available for the duration of any repairs
- If your car is stolen or written off we provide a hire car until an offer is made to settle the claim (up to a maximum of 21 days).
- This is in addition to the standard courtesy car cover.
Roadside
- We'll come out and try to get you moving at the roadside (except within 1/4 mile of your home).
- If we can't fix your car we'll take it up to 10 miles to the nearest garage for you.
Roadside & At Home
- We'll come out and try to get you moving at the roadside even if your car is at home.
- If we can't fix your car we'll take it up to 10 miles to the nearest garage for you.
Roadside & Recovery
- We'll come out and try to get you moving at the roadside (except within 1/4 mile of your home).
- If we can't fix your car we'll take it to the nearest garage for you or we'll take you and your passengers to any single destination in the UK.
Roadside, Recovery & At Home
- We'll come out and try to get you moving at the roadside even if your car is at home.
- If we can't fix your car we'll take it to the nearest garage for you or we'll take you and your passengers to any single destination in the UK.
Roadside, Recovery, At Home & Onward Travel
- We'll come out and try to get you moving at the roadside even if your car is at home.
- If we can't fix your car we'll take it to the nearest garage for you or we'll take you and your passengers to any single destination in the UK.
- We'll give you a hire car that you can use for up to one day while your car is being fixed
- If a hire car isn't appropriate, we'll provide you with overnight accommodation or an alternative form of transport.
Roadside, Recovery, At Home, Onward Travel & European
- This provides everything included above, plus we'll provide you with breakdown assistance in Europe for trips of up to 90 days.
RAC Motoring Services and RAC Insurance Limited are referred to as 'we' in this section.
With Keycare all the keys attached to your fob will be covered should you ever lose them – not only your car keys.
Cover includes:
- Key recovery and Locksmith assistance – whether locked in a car or in a building
- If you are stranded because you lost your keys, it covers transport costs to your home
- Up to £1,000 cover per fob, per annum. Additional key fobs available
- No excess to pay and does not affect any No claim discount
- Emergency UK-based 24-hour helpline, 365 days per year
- All types of car keys covered
- If the keys are found with the Keycare fob, a £10 reward will be issued to the finder.
If you, your partner or named drivers suffer accidental bodily injury in an accident involving your car we pay £60,000 per insured person for loss of limb, irrecoverable loss of sight, loss of hearing or death. In addition, it provides up to £500 per insured person for minor injuries following a car accident.
Certain types of claims won’t affect your No claim discount at all:
- Emergency medical treatment.
- Glass repair or replacement.
Current NCD of 3 years
Protection offered:
- We'll protect your NCD if you have to make a single claim in any given period.
- Two claims will reduce your NCD by 2 years and your protection is lost.
- Three claims will reduce your NCD to zero.
Current NCD of 4 years
Protection offered:
- We'll protect your NCD if you have to make a single claim in any 3 year period.
- You can make 2 claims during any 3 year period with no loss of NCD but your protection will be lost.
- Three claims will reduce your NCD by 2 years and your protection will be lost.
- Four claims will reduce your NCD to zero.
Current NCD of 5 years
Protection offered:
- You can make up to 3 claims during any 3 year period.
- Three claims will reduce your NCD to 3 years and protection against further claims will be lost.
- Four claims will remove all your NCD and protection.
There's more information about No claim discount in our Car Insurance Policy document (opens as PDF).
Legal support for non-fault motor accidents and motoring offences*
- If you are involved in a motoring accident which is not your fault, we will cover up to £100,000 legal costs for a lawyer to pursue appropriate compensation from the driver who is to blame(e.g. personal injury, your excess, travel expenses)*. We will also pay your legal costs should your claim not be successful.
- Up to £10,000 legal costs for a lawyer to defend you if you are prosecuted for a motoring offence(e.g. speeding fine)*.
- 24 hour UK legal helpline – confidential legal advice on motoring issues (e.g. private vehicle sale)
* The lawyer will discuss your case with you and represent you if it is more likely than not that you will be successful. For further info see our Car Insurance Policy wording.
If you have an accident, call us for help 24/7.
If something happens, we're here to help you. Simply call our 24-hour Claims Line on
Call us on 0345 030 6944
(The team on this number can only help with claims related questions.)
The cost of calls to 03 prefixed numbers are charged at national call rates (charges may vary dependent on your network provider) and are usually included in inclusive minute plans from landlines and mobiles. For our joint protection telephone calls may be recorded and/or monitored.
Our dedicated claims team will:
- Send someone out to help if you need it.
- Get you home (or to your destination) safe and sound.
- We'll deal with any third parties whose details you pass on.
- Make sure your car's fixed by our repairers, then get it back to you.
If you have a damaged window, windscreen or sunroof, we'll repair it (£10 excess) or replace it (£115 excess). If you use one of our approved repairers the most we will pay will be the market value of your car at the time of the loss. If you use one of your own repairers the claim will be limited to £50.
Your car. Covered.
All this is included in our standard cover:
If you are an existing customer, please check the documents section of My Account for your policy information
Car insurance cover information.
We can insure you if you're:
- Aged between 21 and 75 years
- Driving with a UK or EU licence
- A resident of Great Britain (not including Northern Ireland, the Isle of Man or the Channel Islands)
- In a car that is 20 years or younger, worth £70k or less and without significant modifications (other than optional extras fitted by manufacturer or dealer as new and declared in the car value, and those solely made in respect of a disability)
- Looking for a fully comprehensive cover
- Insuring a car, as we do not cover vans
- Keeping your car at the registered address of the policyholder
- Safety conscious: no more than one claim (excluding windscreen claims) and no more than two minor convictions in the last 5 years
Our optional extra cover keeps you moving, when your own car can't!
You can upgrade with additional cover if you want to. Simply add one or more of these options:
Hire car - A hire car until yours is fixed or replaced in the event of theft claim or if your car is damaged beyond repair
The Hire Car option entitles you to a replacement car provided by one of our approved repairers.
- This will typically be a small three door hatchback car with an engine size of 1 litre.
- If your car is stolen or written off we provide a hire car until an offer is made to settle the claim (up to a maximum of 21 days).
- This is in addition to the standard courtesy car cover.
Roadside
- We'll come out and try to get you moving at the roadside (except within 1/4 mile of your home).
- If we can't fix your car we'll take it up to 10 miles to the nearest garage for you.
Roadside & At Home
- We'll come out and try to get you moving at the roadside even if your car is at home.
- If we can't fix your car we'll take it up to 10 miles to the nearest garage for you.
Roadside & Recovery
- We'll come out and try to get you moving at the roadside (except within 1/4 mile of your home).
- If we can't fix your car we'll take it to the nearest garage for you or we'll take you and your passengers to any single destination in the UK.
Roadside, Recovery & At Home
- We'll come out and try to get you moving at the roadside even if your car is at home.
- If we can't fix your car we'll take it to the nearest garage for you or we'll take you and your passengers to any single destination in the UK.
Roadside, Recovery, At Home & Onward Travel
- We'll come out and try to get you moving at the roadside even if your car is at home.
- If we can't fix your car we'll take it to the nearest garage for you or we'll take you and your passengers to any single destination in the UK.
- We'll give you a hire car that you can use for up to one day while your car is being fixed.
- If a hire car isn't appropriate, we'll provide you with overnight accommodation or an alternative form of transport.
Roadside, Recovery, At Home, Onward Travel & European
- This provides everything included above, plus we'll provide you with breakdown assistance in Europe for trips of up to 90 days.
RAC Motoring Services and RAC Insurance Limited are referred to as 'we' in this section.
With Keycare all the keys attached to your fob will be covered should you ever lose them – not only your car keys.
Cover includes:
- Key recovery and Locksmith assistance – whether locked in a car or in a building
- If you are stranded because you lost your keys, it covers transport costs to your home
- Up to £1,000 cover per fob, per annum. Additional key fobs available
- No excess to pay and does not affect any No claim discount
- Emergency UK-based 24-hour helpline, 365 days per year
- All types of car keys covered
- If the keys are found with the Keycare fob, a £10 reward will be issued to the finder.
If you, your partner or named drivers suffer accidental bodily injury in an accident involving your car we pay £60,000 per insured person for loss of limb, irrecoverable loss of sight, loss of hearing or death. In addition, it provides up to £500 per insured person for minor injuries following a car accident.
Certain types of claims won’t affect your No claim discount at all:
- Emergency medical treatment.
- Glass repair or replacement.
Current NCD of 3 years
Protection offered:
- We'll protect your NCD if you have to make a single claim in any given period.
- Two claims will reduce your NCD by 2 years and your protection is lost.
- Three claims will reduce your NCD to zero.
Current NCD of 4 years
Protection offered:
- We'll protect your NCD if you have to make a single claim in any 3 year period.
- You can make 2 claims during any 3 year period with no loss of NCD but your protection will be lost.
- Three claims will reduce your NCD by 2 years and your protection will be lost.
- Four claims will reduce your NCD to zero.
Current NCD of 5 years
Protection offered:
- You can make up to 3 claims during any 3 year period.
- Three claims will reduce your NCD to 3 years and protection against further claims will be lost.
- Four claims will remove all your NCD and protection.
There's more information about No claim discount in our Car Insurance Policy document (opens as PDF).
Legal support for non-fault motor accidents and motoring offences*
- If you are involved in a motoring accident which is not your fault, we will cover up to £100,000 legal costs for a lawyer to pursue appropriate compensation from the driver who is to blame(e.g. personal injury, your excess, travel expenses)*. We will also pay your legal costs should your claim not be successful.
- Up to £10,000 legal costs for a lawyer to defend you if you are prosecuted for a motoring offence(e.g. speeding fine)*.
- 24 hour UK legal helpline – confidential legal advice on motoring issues (e.g. private vehicle sale)
* The lawyer will discuss your case with you and represent you if it is more likely than not that you will be successful. For further info see our Car Insurance Policy wording.
If you have an accident, call us for help 24/7.
If something happens, we're here to help you. Simply call our 24-hour Claims Line on
Call us on 0345 030 6944
(The team on this number can only help with claims related questions.)
The cost of calls to 03 prefixed numbers are charged at national call rates (charges may vary dependent on your network provider) and are usually included in inclusive minute plans from landlines and mobiles. For our joint protection telephone calls may be recorded and/or monitored.
Our dedicated claims team will:
- Send someone out to help if you need it.
- Get you home (or to your destination) safe and sound.
- We'll deal with any third parties whose details you pass on.
- Make sure your car's fixed by our repairers, then get it back to you.
If you have a damaged window, windscreen or sunroof, we'll repair it (£10 excess) or replace it (£115 excess). If you use one of our approved repairers the most we will pay will be the market value of your car at the time of the loss. If you use one of your own repairers the claim will be limited to £50.
Why choose Quotemehappy.com?
Low cost insurance
We keep our costs low and pass these savings on to you.
Online only
Everything is online: we send you email and SMS updates rather than letters in the post.
No admin fees
Because you manage your policy online, we don’t charge any administration fees if you make changes (excludes cancellation fees).
24/7 Claims
Make a claim online and track its progress. We also have our claims phone line. Make a claim
Self service
Manage your policy or make a claim whenever you want. On your laptop, tablet or mobile. In bed, on the bus or at the beach.
We can quote you
twice as happy!
Extra savings when you insure two cars registered to the same address.
See Terms and conditions.
See Terms and conditions.
Managing your
policy online.
Whatever you need to check or manage your policy, log into My account from your laptop, PC or mobile - anytime, any day.
- Renew your home or car insurance policy
- View, download and print policy documents quickly when you need them
- Change your details – no admin fees here!
Managing your policy online.
Whatever you need to check or manage your policy, log into My account.
Multicar Discount*
Save up to £80 when you bring a second car to Quotemehappy.com
*Both cars must be registered to the same address.
See Terms and conditions.
Accidental damage to your car
If your car's damaged in an accident or through vandalism, we'll arrange to have it fixed and guarantee the work for up to three years. If we can't fix it, we'll either pay to replace it or pay you cash up to its market value.
Loss or theft of your car
If your car's lost or stolen, we'll either pay to replace it or pay you cash up to its market value.
New car replacement
We will replace your car with a new one of the same make model and specification if your car is damaged beyond economical repair or stolen and not recovered and you bought your car from new within the past 12 months.
Car Recovery and approved repair
If you have been in an accident and your car cannot be driven we will recover your car and take it to one of our approved repairers. We will also take you and your passengers home.
Child seats
If you have child seat(s) fitted in your car at the time it’s involved in an accident or damaged following fire or theft, we’ll pay for the cost of replacement even if there is no apparent damage.
Courtesy car
A courtesy car is provided subject to availability to reduce your inconvenience and where possible ensure you remain mobile.
- A courtesy car will only be provided when your claim has been accepted and your car is repairable, and is being repaired by our approved repairer network.
- A courtesy car is typically a small three door hatchback car with an engine size of 1 litre.
- If your car is immobile or unroadworthy we aim to provide a courtesy car within one working day.
- Automatic courtesy cars can be supplied, providing the car being repaired is an automatic.
- We don't provide a courtesy car outside Great Britain, Northern Ireland, the Channel Islands and the Isle of Man.
- We don’t provide a courtesy car in the event your car is written off or stolen.
Third-party damage or injury
We'll cover you for:
- your legal liability for death or injury to a third party
- your legal liability for third party property up to £20,000,000
- any legal defence representation costs incurred with our consent in connection with a claim against your policy up to a limit of £5,000,000.
Fire damage
If your car's damaged by fire, we'll arrange to get it fixed if possible. If it's not fixable, we'll either pay to replace it or pay you cash up to its market value.
Audio equipment
We’ll cover damage to or theft for audio equipment either up to £500 or £1000 depending on your policy, please check your policy schedule for details on your cover limit.
Third-party cover for other cars
We'll cover you to drive other people's cars, as long as you have their permission and you're over 25.
Personal belongings cover
If you are claiming for damage to or theft of your car, we'll also provide cover for up to £150 of personal belongings such as handbags or sunglasses.
Glass repair or replacement
If you have a damaged window, windscreen or sunroof, we'll repair it (£10 excess) or replace it (£115 excess) and if you use one of our approved repairers the most we will pay will be the market value of your car at the time of the loss. If you use one of your own repairers the claim will be limited to £50.
European cover
We provide a fully comprehensive cover when you travel abroad to any of the following European countries if your trip's less than 90 days.
Republic of Ireland, Andorra, Austria, Belgium, Bulgaria, Croatia, Cyprus, the Czech Republic, Denmark, Estonia, Finland, France (including Monaco), Germany, Gibraltar, Greece, Hungary, Iceland, Italy (including San Marino and the Vatican City), Latvia, Lithuania, Luxembourg, Malta, the Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden and Switzerland (including Liechtenstein).
Motor legal services
Legal advice and expenses if you are hit by an uninsured driver or you are prosecuted for a motoring offence.
- If you are involved in a motoring accident which is not your fault, we will cover up to £100,000 legal costs for a lawyer to pursue appropriate compensation from the driver who is to blame.* We will also pay your legal costs should your claim not be successful.
- Up to £10,000 legal costs for a lawyer to defend you if you are prosecuted for a motoring offence*
- 24 hour UK legal helpline – confidential legal advice on motoring issues (e.g. private vehicle sale)
* The lawyer will discuss your case with you and represent you if it is more likely than not that you will be successful. See policy wording for further information.
Loss, theft, fire and flood damage
If your car’s lost or stolen, or we’re unable to fix it for you following fire or flood damage, we’ll pay you a cash amount equal to the loss or damage. The most we will pay is the market value of your car.
24-hour emergency support
If you have an accident, we'll send someone out to either fix your car or take it to one of our approved garages.
Personal Accident Cover
As standard you’ll receive £2,500 cover each, for you, your partner and named drivers.
Replacement locks
If your ignition keys are lost or stolen we’ll pay the cost of replacing the affected locks, lock transmitter and central locking interface and affected parts of the alarm and/or immobiliser.