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RAC: Car insurance reviews

Name: Car insurance
Rating: 1.88 (192 reviews)

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1.90

Based on 192 reviews, last reviewed 12th Feb 2026

100% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

16%

73%

Latest highest rating:

5

I had a issue with my car msg appeared on the dash o... I had a issue with my car msg appeared on the dash of my BMW " traindrive " the rac sent a mechanic who accused me of calling out for nothing. He sai... Read more Reviewed on: 31st October 2025

Latest lowest rating:

1

AVOID ! SHOCKING CUSTOMER SERVICE AVOID !!!! Shocking Customer service with an online car insurance policy. Changed my contact details and they told me as it is online they can not he... Read more Reviewed on: 12th February 2026

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About this product

RAC car insurance is award winning and provided by a panel of selected insurers.

With RAC Online cover you can choose to manage everything yourself digitally and benefit from lower fees. All RAC car insurance policies include a 24/7 claims helpline and 60-day EU cover.

RAC car insurance reviews help you find out what it’s really like to be a customer. If you’ve used RAC before, you can also leave a review and share your experience.

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RAC Car insurance reviews (192)

AVOID ! SHOCKING CUSTOMER SERVICE

AVOID !!!! Shocking Customer service with an online car insurance policy. Changed my contact details and they told me as it is online they can not help and I should email admin !!!! it's 2026 !!! Reviewed on: 12th February 2026

I would not recommend this insurance

I would not recommend this insurance… I would not recommend this insurance provider because it is extremely expensive and has many hidden charges, even during a collision-free period. The online portal and support team are also really poor, and make it really difficult to do anything. Reviewed on: 11th February 2026

RAC auto renewed our policy

RAC ‘auto renewed’ our policy, without telling us - we had already got alternative insurance. Cancelling RAC insurance is a real pain to do! Reviewed on: 25th January 2026

I had a issue with my car msg appeared on the dash o...

I had a issue with my car msg appeared on the dash of my BMW " traindrive " the rac sent a mechanic who accused me of calling out for nothing. He said gonna be charge. It turns out " clutch cable " and cost me 900 as 2 mechanic gave me same diagnostic. Thank you for the charge I DO NOT recommend anyone to use them. Reviewed on: 31st October 2025

Appalling service

I had taken out insurance with RAC Online - believing that RAC was a reputable company - how wrong was I. I had the policy for around 5 months when I had to change my vehicle, only to be told that I couldn't do that. I only had two options, get a new quote for another years insurance or cancel - due to the quote being ridiculously expensive i.e. 3 times what I was quoted from price comparison website - I had no option but to cancel - fine, it is what it is. The kicker though is that I entered the policy with 15 years NCD but received only 9 years back due to the fact that their system can only handle single digits (seriously in this day and age), I've been onto customer service, virtual assistants and emailing only to be told they won't honour my NCD because I've cancelled my policy - when else would you need proof of no claims. Absolutely appalling company and in all my years of getting car insurance I had never dealt with such shocking service. Do yourself a favour and avoid this company at all costs. Reviewed on: 16th October 2025

What an absolute joke, renewed my insurance through...

What an absolute joke, renewed my insurance through these idiots, then they do an auto renew as well, trying to cancel one of said policies,they wanted to charge £460.00 plus £15.00 admin, never again with these rip off merchants..STAY WELL CLEAR…… Reviewed on: 10th October 2025

satisfactory

Easy to deal with and the price is not too bad. As yet no drawbacks Reviewed on: 20th September 2025

Using compare sites I found RAC competitive with add...

Using compare sites I found RAC competitive with added features which was included within the premium whereas other sites added these to the standard cost making them uncompetitive. Having their app on my phone reminds me of mot dates, servicing plus cheaper fuel stations within my area Reviewed on: 5th September 2025

Easy to get the insurance in the first place and for...

Easy to get the insurance in the first place and for a good price too. Reviewed on: 5th September 2025

Very pleased

Best price available. Good app. and communication. Reviewed on: 5th September 2025

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