What is RAC Warranty?
RAC Warranty is a car warranty product offered under the RAC brand, distributed mainly through RAC-approved dealers rather than sold directly to consumers online in the way MotorEasy or Warrantywise operate. RAC Warranty claims are administered by TWG IOM (The Warranty Group, Isle of Man) — this is why claim-related paperwork and invoices reference "TWG IOM," not just "RAC."
RAC itself is best known for breakdown cover, and RAC Motoring Services is the parent company behind the RAC brand generally.
Cover levels
RAC Warranty is typically offered across four named tiers:
| Tier | Typical eligibility | Cover type |
|---|---|---|
| Platinum Plus | Newer/lower-mileage vehicles | Comprehensive, all mechanical & electrical components |
| Platinum | Up to around 7 years / 70,000 miles at inception | Comprehensive, all mechanical & electrical components |
| Gold | Up to around 10 years / 100,000 miles at inception | Specifically listed components only |
| Silver | Any age or mileage at inception | Basic listed essentials (e.g. engine, turbo, gearbox, starter motor, alternator) |
Exact eligibility and component lists vary by the dealer selling the policy — always check the specific terms and conditions provided at the point of sale rather than assuming based on tier name alone.
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Because RAC Warranty is sold through a dealer network rather than one central online store, exact cover, price, and even which tiers are available can vary depending on which dealer you buy from. This is different from MotorEasy or Warrantywise, where you get a quote directly from the provider.
How claims work
RAC's own claims process has four steps: find an approved garage via yourvehiclecare.co.uk, book a diagnosis, RAC assesses the claim with the garage, then the vehicle is repaired. Whether diagnosis costs are covered depends on your tier — Platinum Plus covers up to £50 (inc. VAT) or 1 hour's labour toward diagnosis; Platinum and Gold customers typically cover the initial diagnosis themselves. RAC states it aims to pay valid repair invoices within 3 to 5 working days of receipt.
Contact and existing policies
If you already have an RAC Warranty and need to make a claim, check your cover, or manage a renewal, this isn't something Warranty24 can help with directly — go straight to RAC's own channels:
Frequently asked questions
What is TWG IOM and why is it on my RAC Warranty paperwork?
TWG IOM (The Warranty Group, Isle of Man) is the company that administers and pays out RAC Warranty claims. If you're asked to pay for a repair upfront, RAC's own guidance is to address the reimbursement invoice to "TWG IOM c/o [your name and address]."
Can I buy an RAC Warranty directly online?
RAC Warranty is mainly sold through RAC-approved dealers as part of a car purchase, rather than as a direct online quote-and-buy product like MotorEasy or Warrantywise.
What's the difference between RAC's warranty tiers?
Platinum Plus and Platinum offer comprehensive cover for all mechanical and electrical components, with Platinum typically limited to vehicles up to around 7 years/70,000 miles at inception. Gold and Silver cover only specifically listed components, with Silver available regardless of vehicle age or mileage.
How do I contact RAC about an existing warranty claim?
Call 0330 100 3728 (Mon–Fri, 9am–5pm) or manage your policy at yourvehiclecare.co.uk. Warranty24 cannot access or manage existing RAC policies.
Does RAC cover diagnostic costs?
It depends on your tier. Platinum Plus covers up to £50 (inc. VAT) or 1 hour's labour toward diagnosis. Platinum and Gold customers typically need to cover the initial diagnosis cost themselves — check your specific terms and conditions.