RAC INSURANCE LIMITED
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Next accounts due
2026-09-30 (in 4mo)
Last filed for 2024-12-31
Confirmation statement due
2026-06-11 (in 1mo)
Last made up 2025-05-28
Watchouts
None on the register
Cash
£9M
+5.7% highest in 3 filed years
Net assets
£21M
+17% highest in 3 filed years
Employees
0
Average over period
Profit before tax
£4M
+54.7% vs 2023
Name history
Renamed 2 times since incorporation
- RAC INSURANCE LIMITED 1990-08-15 → present
- RAC UNDERWRITERS LIMITED 1989-10-26 → 1990-08-15
- URBANGAIN LIMITED 1989-03-06 → 1989-10-26
Net assets
3-year trend · vs Financials median
Accounts
3-year trend · latest reflected 2024-12-31
| Metric | Trend | 2022-12-31 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|---|
| Turnover | — | £31,367,000 | £39,435,000 | |
| Operating profit | — | — | — | |
| Profit before tax | — | £2,598,000 | £4,018,000 | |
| Net profit | — | £2,355,000 | £3,079,000 | |
| Cash | £4,045,000 | £8,355,000 | £8,835,000 | |
| Total assets less current liabilities | — | — | — | |
| Net assets | £15,739,000 | £18,094,000 | £21,173,000 | |
| Equity | £15,739,000 | £18,094,000 | £21,173,000 | |
| Average employees | — | 0 | 0 | |
| Wages | — | — | — |
Values shown as filed in the company's annual accounts. — indicates the figure wasn't present under that line item in that period. About these numbers
Ratios
Computed from the line items above — sparklines read oldest → newest
| Ratio | Trend | 2022-12-31 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|---|
| Net margin | — | 7.5% | 7.8% | |
| Gearing (liabilities / total assets) | 51.4% | 53.2% | 48.0% | |
| Current ratio | — | 81.20x | — |
Margins divide P&L lines by turnover. Gearing is liabilities over total assets. Current ratio is current assets over creditors falling due within one year. Interest cover is operating profit over absolute finance costs. Sector-distribution context coming next.
Audit & accounting basis
- Accounting basis
- IFRS
- Reporting scope
- Standalone (parent only)
- Auditor
- Deloitte LLP
- Audit opinion
- Unqualified (clean)
- Going concern
- Affirmed
“Having undertaken this assessment, the Directors have a reasonable expectation that the Company has adequate resources to continue in operational existence for the foreseeable future, at least 12 months from the date of the audit report being issued. For these reasons, they continue to adopt the going concern basis in preparing the Company's Financial Statements.”
Auditor, going-concern and subsidiary information is drawn from the narrative of the latest annual accounts. About these numbers
People
7 active · 54 resigned
| Name | Role | Appointed | Born | Nationality |
|---|---|---|---|---|
| FRITES, Shiam | Secretary | 2024-07-22 | — | — |
| BAKER, Joanna Mary | Director | 2018-07-02 | Mar 1974 | British |
| GALE, Patrick Nigel Christopher | Director | 2015-06-01 | Mar 1960 | British |
| HOBDAY, David Arthur | Director | 2017-03-02 | Jan 1969 | British |
| MOHINDRA, Tesula | Director | 2022-09-01 | Nov 1966 | British |
| TEMPLEMAN, Robert William | Director | 2011-11-29 | Oct 1957 | British |
| WOOD, Gregory Mark | Director | 2011-11-29 | Jul 1953 | British |
Show 54 resigned officers
| Name | Role | Appointed | Resigned |
|---|---|---|---|
| BARRETT, Paul James | Secretary | 2018-11-08 | 2020-04-01 |
| BOWDEN, Kelly | Secretary | 2021-09-03 | 2022-09-23 |
| COLES, Pamela Mary | Secretary | 2004-09-24 | 2005-06-30 |
| COLES, Pamela Mary | Secretary | 2000-05-22 | 2004-05-05 |
| GRIFFITHS, Lisa | Secretary | 2023-01-31 | 2024-04-30 |
| KEEL DIFFEY, Simon John | Secretary | 2004-05-05 | 2004-09-24 |
| KEMLO, Hugh | Secretary | — | 1998-12-16 |
| MAVOR, Ian Gordon Ferrier | Secretary | 1998-12-16 | 1999-08-11 |
| MORRISON, Scott | Secretary | 2011-09-30 | 2018-03-30 |
| SPICKER, Richard Harold | Secretary | 2007-07-12 | 2011-09-30 |
| YOUNG, Mark Lees | Secretary | 1999-07-30 | 2000-05-22 |
| AVIVA COMPANY SECRETARIAL SERVICES LIMITED | Corporate Secretary | 2005-06-30 | 2007-07-12 |
| ABRAHAMS, Clifford James | Director | 2010-07-26 | 2011-09-30 |
| ADDISON, Niall | Director | 2002-07-02 | 2004-03-31 |
| ATKINSON, Paul Robert | Director | 2001-12-12 | 2005-07-31 |
| BESWICK, Timothy John | Director | 1999-07-30 | 2002-07-01 |
| BOWLES, Simon Alan | Director | 2004-03-31 | 2005-06-30 |
| CALDWELL, Findlay Martin | Director | 2000-02-29 | 2004-12-31 |
| COLES, Pamela Mary | Director | 2002-07-02 | 2005-06-30 |
| COUGILL, Diane | Director | 2011-03-01 | 2016-09-05 |
| EASTER, Philip Charles | Director | 2005-06-30 | 2007-01-01 |
| EGAN, Sean | Director | 2010-04-01 | 2011-09-30 |
| FAIRMAN, Richard William Mark | Director | 2016-09-05 | 2018-02-27 |
| GUY, Paul Nelson | Director | — | 1994-12-31 |
| HEWITT, Paul William | Director | 1999-07-30 | 2003-03-31 |
| HIDDLESTON, David James | Director | 2004-05-05 | 2005-10-13 |
| HUNT, Jacqueline | Director | 2007-01-01 | 2008-09-04 |
| JOHNSON, Neil Anthony | Director | 1994-02-01 | 1999-08-11 |
| JOHNSTON, David Keith | Director | — | 1993-09-06 |
| KEMLO, Hugh | Director | 1996-09-18 | 1998-12-16 |
| KITSON, John Robert | Director | 2006-05-09 | 2010-03-31 |
| LIMB, Michael James | Director | — | 1994-02-01 |
| LIVERMORE, David John | Director | 1994-02-01 | 1995-10-05 |
| MACHELL, Simon Christopher | Director | 2005-06-30 | 2007-07-12 |
| MAYER, Igal Mordeciah | Director | 2007-07-13 | 2009-12-31 |
| MCCARTHY, Michael Anthony | Director | 1996-09-18 | 1999-06-04 |
| MCMILLAN, David John Ramsay | Director | 2010-02-23 | 2011-09-30 |
| MCMILLAN, David John Ramsay | Director | 2008-11-04 | 2009-01-02 |
| MCMILLAN, David John Ramsay | Director | 2008-08-11 | 2008-09-01 |
| MICHAEL, Kerry | Director | 2012-01-31 | 2016-05-23 |
| MILLER, Alastair | Director | 1994-07-21 | 1999-08-11 |
| POSNER, Howard Michael | Director | 2000-01-04 | 2005-02-04 |
| ROSE, Jeffrey David | Director | — | 1998-04-09 |
| SEATON, John | Director | 2007-08-13 | 2007-09-01 |
| SEATON, John | Director | 2006-06-19 | 2006-10-09 |
| SEYMOUR-JACKSON, Angela Charlotte | Director | 2011-03-01 | 2012-01-31 |
| SNOWBALL, Patrick Joseph Robert | Director | 2005-06-30 | 2006-05-09 |
| SPELLINS, Gary Wade | Director | 2001-12-05 | 2002-12-31 |
| WALDEN, Jonathan Kim | Director | 2004-10-01 | 2005-02-04 |
| WATSON, David Kenneth | Director | 2009-01-02 | 2010-03-31 |
| WILKES, Duncan Stewart | Director | 2003-07-02 | 2005-10-13 |
| WILLIAMS, John Alan | Director | — | 1994-05-18 |
| WOODHOUSE, Christopher Kevin | Director | 2012-02-03 | 2017-03-02 |
| YOUNG, Mark Lees | Director | 1999-07-30 | 2000-05-22 |
Ownership
Persons with significant control
| Name | Kind | Nature of control | Notified | Status |
|---|---|---|---|---|
| Rac Group Limited | Corporate entity | Shares 75–100%, Voting 75–100%, Appoints directors | 2016-04-06 | Active |
Filing timeline
Last 20 of 254 total filings
| Date | Type | Category | Description | |
|---|---|---|---|---|
| 2025-08-18 | AA | accounts | Accounts with accounts type full | |
| 2025-05-29 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-07-25 | AP03 | officers | Appoint person secretary company with name date | |
| 2024-05-28 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2024-04-30 | AA | accounts | Accounts with accounts type full | |
| 2024-04-30 | TM02 | officers | Termination secretary company with name termination date | |
| 2023-09-20 | AA | accounts | Accounts with accounts type full | |
| 2023-05-30 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2023-05-30 | PSC05 | persons-with-significant-control | Change to a person with significant control | |
| 2023-02-03 | AP03 | officers | Appoint person secretary company with name date | |
| 2023-01-25 | CH01 | officers | Change person director company with change date | |
| 2023-01-25 | CH01 | officers | Change person director company with change date | |
| 2022-10-06 | TM02 | officers | Termination secretary company with name termination date | |
| 2022-09-21 | AA | accounts | Accounts with accounts type full | |
| 2022-09-06 | AP01 | officers | Appoint person director company with name date | |
| 2022-06-09 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2021-09-16 | AP03 | officers | Appoint person secretary company with name date | |
| 2021-09-16 | AA | accounts | Accounts with accounts type full | |
| 2021-06-08 | CS01 | confirmation-statement | Confirmation statement with no updates | |
| 2020-09-03 | AA | accounts | Accounts with accounts type full |
Public-record activity
Raw counts from Companies House — last 12–24 months
- Filings
- 2
- Capital events
- 0
- Officers appointed
- 0
- Officers resigned
- 0
last 12 months
last 24 months
last 12 months
last 12 months
Direct counts from the register. No score, no rating — see the Filing timeline for the underlying events.
Year-on-year
FY2023 → FY2024 · period ending 2024-12-31 vs 2023-12-31
-
Turnover
+25.7%
£31,367,000 £39,435,000
-
Cash
+5.7%
£8,355,000 £8,835,000
highest in 3 filed years
-
Net assets
+17%
£18,094,000 £21,173,000
highest in 3 filed years
-
Employees
—
Not reported
-
Profit before tax
+54.7%
£2,598,000 £4,018,000
Each % is (latest − prior) ÷ |prior| for the line item as filed. The comparison is only shown when the latest and prior accounts cover broadly equal-length periods — short or long stubs (typical around incorporation or a year-end change) are suppressed rather than misrepresented. Lines a company doesn't report are omitted. About these numbers