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RAC: Car insurance reviews

View other RAC products
1.83
Based on 188 reviews, last reviewed 16th Oct 2025
400% increase in 5 star reviews
in the past 90 days
200% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
15%
See only 4 star reviews
7%
See only 3 star reviews
1%
See only 2 star reviews
3%
See only 1 star reviews
74%

Latest highest rating:

5

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

Latest lowest rating:

1

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... Read more Reviewed on: 16th October 2025
Lisa M's avatar
Lisa M
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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 (188)

Appalling service & total rip off

1
Appalling. They automatically renewed my policy at an increased premium, it took me 8 days to get through on the phone to tell them I did not want to renew, then they charged me a £25 fee and £33.17 for the 8 days cover, even though I had taken out a policy with eSure. It then took me hours and hours to get through to pay the charges. Total rip off. Reviewed on: 29th August 2017
Lawrence Hunt's avatar
Lawrence Hunt

Disgusting company

1
My brother collapsed at hospital in a diabetic coma and was in and out of consciousness. I rushed to the hospital before he was transferred to another hospital...I rang, as my brother's insurers, these clowns to get me put on the insurance for 1 hour so I could drive his Discovery home...they wouldn't unless we started a brand new policy, for 1 hours insurance! I haven't had a bump in 20 +years, no DD, no claims for 20+years...I have 1 speeding for doing 34 in a 30 (shoot me) I had 3rd party for any car on my own policy but then when accidents happen when you haven't insurance! Pillocks. We have now moved the policy to another company even though it cost us more. Reviewed on: 15th August 2017
Margaret Pattinson's avatar
Margaret Pattinson

Good website and easy to use

5
Good website and easy but secure access to my information and policy Reviewed on: 5th August 2017
Martyn Woodward 's avatar
Martyn Woodward

Rac insurance

5
Very good would recommended to anyone cheap insurance Reviewed on: 1st August 2017
Josh Shilvock's avatar
Josh Shilvock

Confusing

2
RAC seem to be the only insurance company who specify that the NCB is in the name of the main driver rather than the policyholder. This caused no end of problems when I was shopping around for new insurance and necessitated me cancelling another car insurance policy early so I could use the NCB from that vehicle. So frustrating. RAC are the only company who specify this so it caused unnecessary frustration. Avoid. Reviewed on: 28th July 2017
Helen Swales's avatar
Helen Swales

REASONABLY PRICED INSURANCE

5
Normally companies put up their prices by ridiculous amounts annually once you have bought the initial insurance. RAC were competitively priced the following year and since switching to them have been a satisfied customer! Reviewed on: 22nd July 2017
Anonymous's avatar
Anonymous

Reasonably priced and dealt with my motor accident promptly

4
RAC are relatively competitively priced in the marketplace. Efficient. Was a little disappointed to have calls from other companies within hours of having my accident asking if I had any injuries. How did those other companies get my details so quickly? Reviewed on: 15th July 2017
Helen Fowler's avatar
Helen Fowler

Dissatisfied

1
Changed my car to my husband's rang to change car and they hiked the price £140 more than my husband paid even though all details and cover were the same. Then had the cheek to charge me £55 cancellation. Disgusting. Reviewed on: 7th July 2017
Jackie Baron's avatar
Jackie Baron

Ridiculous charges

1
My first policy was £201 they ask for your driving licence and I said I had been driving for 20 years in actual fact I had been driving for 19 years 11 months so I got a charge which bumped the price up to £300 they then asked for my no claims discount proof so I sent it and an auto email said all received about a month later a letter came through from the third party finance company saying my policy had been adjusted and I know owe £795 slight jump from the initial £201 so I phoned them up and they stayed that I hadn't sent them my no claims discount even though I have the email to clarify I had sent it any way because of all the hassle and extra charges I said I won't to cancel the policy as they where just stealing my money on the paper work it states cancelling your policy would run another charge of £65 but when my cancellation fee came through it was £192 absolutely disgusting so I have now cancelled my insurance and also my breakdown cover because of the thieves Reviewed on: 21st June 2017
Anonymous's avatar
Anonymous

Ridiculous charges

1
My first policy was £201 they ask for your driving licence and I said I had been driving for 20 years in actual fact I had been driving for 19 years 11 months so I got a charge which bumped the price up to £300 they then asked for my no claims discount proof so I sent it and an auto email said all received about a month later a letter came through from the third party finance company saying my policy had been adjusted and I know owe £795 slight jump from the initial £201 so I phoned them up and they stayed that I hadn't sent them my no claims discount even though I have the email to clarify I had sent it any way because of all the hassle and extra charges I said I won't to cancel the policy as they where just stealing my money on the paper work it states cancelling your policy would run another charge of £65 but when my cancellation fee came through it was £192 absolutely disgusting so I have now cancelled my insurance and also my breakdown cover because of the thieves Reviewed on: 21st June 2017
Anonymous's avatar
Anonymous

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