Smart Money People Logo
Go to business site
Share this page
Link copied

RAC: Car insurance reviews

View other RAC products
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
See only 5 star reviews
16%
See only 4 star reviews
7%
See only 3 star reviews
1%
See only 2 star reviews
3%
See only 1 star reviews
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
Devraj D's avatar
Devraj D

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
Garry webster 's avatar
Garry webster
Read all reviews Write a review

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.

Review RAC: Car insurance now

Help others make smarter decisions by sharing your own experience.
Give a 1 star rating Give a 2 star rating Give a 3 star rating Give a 4 star rating Give a 5 star rating
Write a review

RAC Car insurance reviews (193)

Awful experience with car insurance and renewal

1
Absolutely APPALLING experience My auto renewal lapsed and I was not informed immediately meaning that I unknowingly drove to work uninsured, when I called to rectify this situation they told me that the only way to fix this was to start a new policy and they would price match it to the agreed renewal quote. Well, the new quote had doubled and so they could not price match apparently! There was no good reason as to why the quote had skyrocketed this way as nothing had changed and even they could not explain this. Subsequently I was stranded in the carpark with no insurance absolutely bewildered as to why I was now being penalised for their administrative error. Through no fault of my own the auto renewal did not go through even though I called 2 days before to confirm and had the emails to back this up, they could not rectify the situation! I was absolutely appalled at how they could try and charge me double after THEIR error! This caused me a lot of stress and I was extremely dissatisfied with the outcome. Only after escalating the situation was I offered temporary insurance for me to drive home, after that they told me to get quotes from a different provider! Rest assured that I will NEVER go with the RAC for anything again and I will absolutely advise my family and friends to do the same. Reviewed on: 20th August 2022
Alisha's avatar
Alisha

Valuable car insurance

4
Not the cheapest but seems good value, even if they don't provide my breakdown insurance. Reviewed on: 12th August 2022
Charles Cotton's avatar
Charles Cotton

(ZERO STARS) Rip-off - Avoid at all costs - car insurance premium increased 38% by auto-renewal

1
My RAC black box car insurance premium were £420+ annually for the first two years, however I was charged £584 during this year's renewal (38% increase!) This was renewed automatically and charged to my credit card. They claimed to have sent a renewal notice by post, but unfortunately I have moved addresses and did not receive this. It is year 2022 and they are still expecting their customers to read all their physical mails, despite having my email address and mobile number registered to my account. If I were to cancel the insurance, I'd incur a £125 cancellation fee - effectively holding me ransom! Nonetheless, having called their customer service to enquire the basis of the premium increase (the car only ran less than 2000 miles the past year and was without any claim/incident) - they were not able to justify the reason for the increase in premiums (official reason: premium was quoted by the companies they use). I have used a price comparison website at this point and the same RAC policy is being offered to me at £440 (with a few competitors offering similar pricing). I have logged a formal complaint and have been told a formal response will take 4 weeks. In the meantime I will also log a similar complaint to Financial Ombudsman Service and other review forums to warn the public. Despite what is advertised, avoid this company at all costs, it’s just not worth it! Just look at the other reviews on this page.. Reviewed on: 11th August 2022
Shihan's avatar
Shihan

Appalling

1
They are impossible to contact, do not reply if you leave a message, claim they haven't recieved information when it has been sent to them multiple times and seem unwilling to perform basic insurance functions such as consider a claim. Reviewed on: 2nd August 2022
Tim Clarke's avatar
Tim Clarke

Sympathetic

4
During a claim everything was made clear to me of the process from start to finish. Reviewed on: 26th July 2022
Steve Harrison's avatar
Steve Harrison

RAC are Crazy don't use them

1
Had my car insurance with RAC insurance for many years so decided to take the private plate off Mot the vehicle when it's needed in two months then look to sell it as I don't use it very much but with the car insurance due now. I phoned the RAC up to renew my insurance for the year and said that I would probably be selling it after a couple of months after it mot as we don't use it.....Then they said sorry we can't insure you then....WHAT!!! We can't insure you if you know your going to sell the vehicle after a couple of months...... FINE..... Now insured with the AA and as for my RAC cover that we have had for 10 year and never needed well I don't care if the AA are more expensive I will be going with them. NEVER AGAIN WILL WE USE THE RAC. .....RAC VERY POOR SERVICE.... Reviewed on: 25th July 2022
Sjf's avatar
Sjf

Ridicoulous Charge

1
My Landord of my house, wishes to sell up, this means i had to find some new place to live, imagine my horror to be told there is an admin charge of £25 to change address. Its all paperless, so its quite clearly a money grabbing excersie, I will simply not renew my policy with them, DO NOT USE Reviewed on: 25th July 2022
Graham Ditch's avatar
Graham Ditch

DO NOT USE

1
The worst experience of my life. I insured with a name I had confidence in, after an accident not my fault I’ve had to take a loan to buy the same car because the shocking IMS claim managers are shockingly bad. Heard not a thing for 3 weeks until I finally managed to contact them. RAC do not want to know or help. Useless company. Worst thing I ever did was insure with them. DO NOT USE RAC you have been warned, when you need them you’re on your own. Reviewed on: 20th July 2022
Tracey Walker's avatar
Tracey Walker

Great

5
Best service at a good price fast and efficient Reviewed on: 18th July 2022
Katrina Horne's avatar
Katrina Horne

Extortionate Cancellation Fee

1
Abosolute rip off when cancelling a policy if you sell your car Reviewed on: 24th May 2022
Steve's avatar
Steve

Review RAC: Car insurance now

Help others make smarter decisions by sharing your own experience.
Give a 1 star rating Give a 2 star rating Give a 3 star rating Give a 4 star rating Give a 5 star rating
Write a review
Are you a business? Get insights, reply to reviews, invite customers and understand their needs

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account
Man on beach

News, guides and insight from our team

View resource hub
UK money news stories - 24 July 2024
UK money news stories - 24 July 2024
24th July 2024
Posted in Money Talks by Errolyn Smith
Your Money, Your Voice: Have your say
Your Money, Your Voice: Have your say
24th July 2024
Posted in Our insights by Errolyn Smith
Our latest research - customers see little impact of FCA's Consumer Duty one year on
Our latest research - customers see little impact of FCA's Consumer Duty one year on
24th July 2024
Posted in Our insights by Darryl Barkwill
Consumer credit awards winners 2024
Consumer credit awards winners 2024
11th July 2024
Posted in Awards by Darryl Barkwill