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.

Website, phone number and address

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.

In the full report: 3 background checks

  • When rac.co.uk first appeared online, and whether it can receive email
  • What kind of line 01922 437000 is, and the 2 other firms that give it
  • Who else gives the postcode WS5 4AW
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Other names (1)

If you were contacted under any of these names, it is this firm.

  • RAC Underwriters Limited Former name

FCA permissions and consumer protection

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

Financial Ombudsman complaints

Ombudsman complaints

new complaints, January–June 2025
91
upheld, against a 31% median
46%
about insurance
91

A bigger firm gets more complaints simply because it has more customers.

Companies House record

The company behind the firm: its status, age, registered office and directors.

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)

Directors and company secretaries

Name Role Born Appointed Other companies
Robert William Templeman Director Oct 1957 29 Nov 2011 13 other companies
Gregory Mark Wood Director Jul 1953 29 Nov 2011 34 other companies
Patrick Nigel Christopher Gale Director Mar 1960 1 Jun 2015 67 other companies
David Arthur Hobday Director Jan 1969 2 Mar 2017 47 other companies
Joanna Mary Baker Director Mar 1974 2 Jul 2018 27 other companies
Tesula Mohindra Director Nov 1966 1 Sep 2022 17 other companies
Shiam Frites Secretary Not published 22 Jul 2024 –

Other companies run by these 6 directors

A firm is run by people, and their other companies are their track record: what they built, what closed, and anything that failed. It is the check most people never think to make.

other companies
145
closed down
64
went insolvent
2

In the full report: all 145 companies, named

  • What each company does, and whether it is still trading
  • Which of these 6 directors sit on each board, and since when
  • The 2 that went into liquidation or administration
  • The 17 on the FCA register
  • The 27 companies these 6 directors run together
  • All 45 people who have ever been directors, with their dates
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Key dates in its history

RAC Insurance’s history from the FCA register and Companies House, newest first.

Key events (8) All events (96)

2016

6 April 2016

  • Rac Group Limited took control (75–100% of shares)

Companies House

2013

1 April 2013

  • Regulated by the FCA from this date
  • Regulated by the Prudential Regulation Authority from this date

FCA register

2001

1 December 2001

  • Regulated by the Financial Services Authority from this date
  • Became authorised by the FCA

FCA register

1990

14 August 1990

  • Changed its registered name from "RAC Underwriters Limited"

FCA register

1989

6 March 1989

  • Incorporated at Companies House

Companies House

1901

1 January 1901

  • Supervised by HM Treasury under the money laundering rules from this date

FCA register

In the full report: all 96 events

  • All 96 events in its history (8 shown here)
  • Every director appointment and resignation: 85
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Firms connected to RAC Insurance

Other FCA-listed firms that share a director, phone number or address with RAC Insurance. A link shows who the firm is tied to, not whether either can be trusted.

connected firms
5
share a director
5
share its phone number
2

In the full report: all 5 connected firms, named

  • How each is linked: shared directors (5), the same phone number (2), the same postcode (2)
  • Who links each one: the named directors, with dates
  • 7 past links through former directors
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Firms like RAC Insurance

Other firms of the same type (insurer), nearest first.

Elsewhere in the UK

Chubb European Group SELondonAuthorisedGreat Lakes Insurance UK LimitedLondonAuthorisedAviva Insurance LimitedNorwichAuthorisedAviva Life & Pensions UK LimitedYorkAuthorisedBritish Gas Insurance LimitedWindsorAuthorisedHelvetia Global Solutions LtdLondonAuthorised

Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.

Get the full report on RAC Insurance

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • 145 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 96 events in its history
  • 5 connected firms, named, and who links them

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Frequently asked questions about this firm

Is RAC Insurance Limited FCA authorised?
Yes, RAC Insurance Limited (FRN 202737) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since December 2001 and works as an insurer. The FCA has placed no limits on its permissions.
What is RAC Insurance’s phone number and website?
The FCA register lists the phone number 01922 437000 and the website rac.co.uk for RAC Insurance. If you were given different contact details, use these to check with the firm before going any further. The same number is also given by 2 other FCA firms.
Is RAC Insurance a scam or clone?
RAC Insurance is a genuine FCA-listed firm, and the FCA has published no warnings about fake versions of it. Scammers do copy real firms, though, so check that any contact details you were given match the ones on the register.
Is my money safe with RAC Insurance?
It may control client money but not hold it. 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.
Who owns RAC Insurance?
RAC Insurance is owned by Rac Group Limited, which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 6 April 2016.
Who runs RAC Insurance?
Companies House lists 6 directors of RAC Insurance: Robert William Templeman, Gregory Mark Wood, Patrick Nigel Christopher Gale, David Arthur Hobday, Joanna Mary Baker and Tesula Mohindra.
How long has RAC Insurance been in business?
The company was formed on 6 March 1989, and has held its current FCA authorisation since December 2001.
How many complaints does RAC Insurance get?
In January–June 2025, the Financial Ombudsman Service received 91 new complaints about RAC Insurance, and upheld 46% of those it decided.
Does RAC Insurance use any other names?
It has previously used the name RAC Underwriters Limited.

Sources and links

The full report on RAC Insurance Limited

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