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RAC: Car insurance reviews

Name: Car insurance
Rating: 1.83 (193 reviews)

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1.83

Based on 193 reviews, last reviewed 17th Mar 2026

100% decrease in 5 star reviews

in the past 90 days

50% increase in 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

Scammers, charge you for no fault claims I am insured on my Dad's car policy, I have made NO CLAIMS whatsoever for many years now but someone ran into the back of me and I claimed on THEIR in... Read more Reviewed on: 17th March 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 (193)

£25 fee address change

Have to change address on my car insurance policy. 25£ fee for that? Very expensive Reviewed on: 30th October 2022

Worst insurance company

The weirdest insurance. please don't buy insurance from them Reviewed on: 28th October 2022

Rac insurance they are thifts

They are thifts ,my and my friend have the same isuue with them ,first they take your money and after they call you to say was a mistake and the insurance need to increse so stay far away from this insurance company. Reviewed on: 17th October 2022

Renewal up by 25%, painful to cancel

Wish I'd read these reviews before signing up with them. 12 years NCD and they raised my premium from 234 to 290. Been trying to cancel for 20 mins now. Their website says you can cancel online but the options not there, surprise! So you have to call, after 3 mins of irrelevant pre-recorded message, now on hold for 15 mins. This is one of those companies that makes you jump through hoops to cancel in the hope you'll give up. Reviewed on: 1st October 2022

Avoid

If you miss a direct debit - they charge you £20, I have been off sick from work since March and struggled to pay this month's insurance ( I had made 2 changes to the policy last month so had an extra £50 in charges) - I chatted to them to explain I had been off and that I could pay the £70 odd outstanding today and that going forward I will pay on the 29th of the month as I have started a new job, all was going OK and then the lady said RAC & BISL have decided you can't afford monthly payments and have cancelled the policy with immediate effect. I was shocked. I ended up having to pay a deposit with another company and go elsewhere, I will never use RAC or BISL again. Reviewed on: 27th September 2022

Reliable company

Reliable company with helpful customer service. Reviewed on: 27th September 2022

Covea/rac

Top rip-off stay away from them both Reviewed on: 8th September 2022

Terrible company

DO NOT Use this rip off company, you will regret it. Worst customer service I have ever experienced, charge £35 admin fee for a slight amendment to the policy. Insisted on a black box being installed within 2 weeks or the policy would be cancelled, but the installation company kept failing to turn up for the fitting appointment. Followed up with aggressive letters and emails from RAC stating the policy will be cancelled with immediate effect for not getting the box installed. RAC insurance is the worst and deserves minus stars. I will never ever use these crooks again. Reviewed on: 6th September 2022

black box policy - they charge you for the service they CANNOT provide.

I purchased black box insurance through RAC as they are (I thought) a trustworthy and repeatable company. As per the policy you must have the box fitted by their engineers within 14 days. You must book this online, however they had no availability (AT ALL) on the portal they provide, so I selected suitable dates and the portal advised they would be in contact to fit the box when availability came up. They failed to get a date for the box to be fitted (lack of provision/availability on their side) I made multiple attempts to book via the portal with no luck. They then sent notice of cancellation, so I emailed them (as the phone lines take approximately 40 minutes to get through and I work during their working hours) I got no response. I managed to get through on the phone one evening (they ended up answering after their closing time) to be told this lack of availability was a common problem, nothing they could do, they will begin the complaints process on my behalf, please call tomorrow???? My policy has been cancelled by them, I had to fight for a full refund, threaten action via an ombudsman if they did not refund me. I managed to get an almost complete refund for my policy after a lengthy phone-call. I will still refer this to the ombudsman as it is huge issue if they cannot provide a service that is required for the policy, and are penalising their customers for this. Fight for your money back and do not blindly agree to the charges. I will say the people I spoke to on the phone were really helpful and sympathetic when I did get through, that's the only positive of this entire experience. Reviewed on: 6th September 2022

RIP OFF

Trying to INFLAT MY PREMIUM BY 50% LIES ABD LIED AND LIED WHEN I HAVE EVERYTHING RECORDED. Trying to take amounts out the bank I was not aware off AVOID AVOID AVIOD - just awful Reviewed on: 30th August 2022

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