The RAC car warranty is sold by, or given away as part of selling a car, by independent car dealers throughout the UK. It has also been sold to RAC members.
The warranty is not actually provided by the RAC. The brand is licensed to the warranty provider.
The warranties range from 30 days to 12 months and can be purchased in various ways. London General Insurance Company Limited, underwrite the warranties and they are administered by TWG Services Limited.
For example, some policies are provided free by the warranty company as a marketing tool. Others are bought by the dealer from the warranty company and given to their car buying customers. Some are sold on to car buyers by the car dealers with the dealer taking a profit margin. Finally, some RAC members will buy the warranty over the telephone or through mail order.
It is perhaps worth noting therefore that in some cases the dealer may not have paid for the warranty you receive as part of a deal to buy a car.
In any circumstances, when you come to claim on your warranty, you will deal with TWG. Not your dealer or the RAC. They, in conjunction with their inspectors and the loss adjusters at London General Insurance Company, will decide whether to pay your claim.
It will also, therefore, be TWG that you will have to deal with should you wish to complain, and your RAC membership may not be a factor, in that RAC staff may be powerless to assist you.
If you are considering an RAC warranty, it may be worth considering these points. On some RAC warranties:
- You must continue to hold an active RAC Membership.
- You must be the registered keeper of the Vehicle, which can be of any age and any mileage.
- Your Claim Limit will be determined by the age and mileage of Your Vehicle.
- There is a maximum of five paid claims per Cover Period.
- Failures due to the car or parts not being maintained or replaced in accordance with the manufacturer’s recommendation, or which have failed due to wear and tear or burnt out parts will be excluded.
Important note about this information.
This summary is based on information supplied by the RAC as is correct as of July 2012. Please contact us with omissions and corrections.