RAC Insurance Limited

Reference number: 202737

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

Identity

Check their details

Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.

Company details

From the company's Companies House record.

Company number
02355834
Company status
Active
Company type
Private limited company
Incorporated
6 March 1989 (37 years old)
Registered office
Rac House, Brockhurst Crescent, Walsall, WS5 4AW
Nature of business
  • Non-life insurance (SIC 65120)

Current directors and secretaries

Name Role Born Appointed
Robert William Templeman Director Oct 1957 29 Nov 2011
Gregory Mark Wood Director Jul 1953 29 Nov 2011
Patrick Nigel Christopher Gale Director Mar 1960 1 Jun 2015
David Arthur Hobday Director Jan 1969 2 Mar 2017
Joanna Mary Baker Director Mar 1974 2 Jul 2018
Tesula Mohindra Director Nov 1966 1 Sep 2022
Shiam Frites Secretary Not published 22 Jul 2024

Check on the FCA register → Report a scam →

Activities and protection

What they can do, and how you are protected

  • Hold or safeguard your money FSCS may apply
    Eligible deposits are typically protected by the FSCS up to £120,000 per person, per banking group.
  • Manage or trade investments FSCS may apply
    Eligible investment and pension claims are typically FSCS-protected up to £85,000 per person, depending on the product and your circumstances.
  • Sell or arrange insurance FSCS may apply
    Eligible insurance claims may be FSCS-protected, often 90%, or 100% for compulsory or long-term cover.

Check your FSCS cover →

Show FCA detail (5 permissions)
  • Accepting Deposits
  • Arranging (bringing about) deals in investments
  • Carrying out contracts of insurance
  • Dealing in investments as principal
  • Effecting contracts of insurance

Complaints: You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.

Track record

What customers have complained about

Previously registered as

The FCA register holds one earlier registered name for this firm. A registered name changes when a firm rebrands, and a partnership's changes whenever its partners do.

  • RAC Underwriters Limited

Complaints record

In January–June 2025, the Financial Ombudsman Service received 91 new complaints about this firm, and upheld 46% of the ones it decided.

That is above the 31% median for the firms the Ombudsman reports on.

  • Insurance 91

A bigger firm receives more complaints simply because it has more customers. FOS complaints data →

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Common questions

Frequently asked questions

Is RAC Insurance Limited FCA authorised?
Yes, RAC Insurance Limited (FRN 202737) is authorised by the FCA to carry out regulated activities.
Is my money safe with RAC Insurance?
It depends on the product, but eligible claims may be protected by the FSCS. You can also refer complaints about RAC Insurance to the Financial Ombudsman Service, free of charge.
Is RAC Insurance a scam or clone?
RAC Insurance is a genuine FCA-listed firm. However, scammers sometimes clone authorised firms. Always check that the contact details you were given match those on the FCA register before sending money or sharing information.
What is RAC Insurance's Firm Reference Number (FRN)?
RAC Insurance's FRN is 202737. You can verify it on the FCA register.