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RAC: Car insurance reviews

Name: Car insurance
Rating: 1.88 (187 reviews)

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1.84

Based on 187 reviews, last reviewed 10th Oct 2025

400% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

16%

73%

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

Latest lowest rating:

1

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 wante... Read more Reviewed on: 10th October 2025

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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 (187)

Good value

I insured my car with RAC car insurance A good price and good service. Reviewed on: 30th May 2017

Shocking thieves

After one month with these cowboys I have cancelled my insurance. Firstly they asked for my driving licence on the form I put 20 years driving experience however it was on 19 years 11 months experience this then cost me £65. Then they asked for proof of my no claims bonus sent via email and received a thank you email from them so all well and good until I received an email from the finance company stating my monthly payments will now be £61 per month and not £21 per month. This was because the no claims bonus was supposedly the wrong form utter rubbish as my current insurer stated that it could be used for my no claims bonus. See to stop this I have now cancelled my insurance for a further cost of £75 THIEVES THE LOT OF THEM STAY AWAY. Reviewed on: 16th May 2017

Chaotic organisation

The worst insurance company I have ever dealt with, different story with each person I spoke to. Tried to insure 3 cars, put all the details in and was advised to go to multi-car to save money. The agent deleted the current quotes and made me go through all the info again and ended up with roughly double the price from an hour previously. Reviewed on: 3rd April 2017

Horrendous customer experience

I chose to insure my car through rac they weren't the cheapest but having such a good repuatation I decided to go with them, they asked me for proof of my 2 years no claims discount via email (no phone calls or letters at all) so I could only provide 1 year after the insurer (Churchill who were very helpful and I shouldn't of left) gave me my proof no problem the company before however I couldn't get in touch with to prove the other year. So I accepted that my premium would probably go up with rac as I couldn't prove the other year I found this totally reasonable. Rac however cancelled my policy told me they were no longer able to insure me, refused to give me my £81 deposit back due to the fact they had already insured me for a month (although my insurance was only £60 a month) but I decided to accept that. What I was not willing to accept is they wanted £122 for 'services' and a £55 cancellation fee even though it was them who decided they no longer wanted to insure me. I am a very reasonable person with that I asked if they could reinstate my policy with a higher premium to allow for the no proof of no claims again they said no, the only option to them was for my to pay my 'fees' then get a brand new policy from them in which I would've had to pay my deposit again in full. Why they think anyone would do this is beyond me as it means I would've of paid them over £200 in the space of a month for basically nothing! Technicalities aside they have been awful, so unhelpful they manager I spoke to did nothing but keep repeating himself saying 'it's not our fault' that to them is obviously a reasonable way of dealing with their customers, without which they would have no business. I would never give rac another penny of my money this was such a minor issue that we could of resolved between us but unfortunately I am now currently in the process of speaking to trading standards and claiming money back for my lengthy phone call where I achieved nothing. Myself and my whole family have cancelled our breakdown cover with them and I am working with my bank to ensure these obscene charges cannot be taken. I myself work for a huge company (a very well known one) and if we ran our business this way I would expect to not have one left. Customer service goes a very long way and greed is unfortunately going to cost this company. If they can afford to lose customers this way good luck to them! Reviewed on: 20th March 2017

RAC - Customer Service is shocking

My husbands car has been insured with RAC for last 2 yrs and we were happy enough until he was involved in a serious accident 2 weeks ago when a delivery van smashed into him when he was stationery (police attended the accident). When we contacted RAC they told us they don't deal with the car claim and WE would have to contact the underwriters of the policy, they also told us someone from their legal dept would contact us within a few days regarding a claim for personal injuries etc (this is all they do deal with when you are involved in an accident) but two weeks on no one has been in touch. Looks like its left to us to chase them up for info! Will never use them again for insurance. Their customer service is the worst i have ever experienced! Reviewed on: 22nd January 2017

RIPPED off!

Just received an email that for a missed payment due to other payments taken from my account I will be charged a hefty £25,and my insurance for a month is £29.Are you kidding me? A RIPP OFF COMPANY, which sadly won't realise until you already signed with them. Doing a research apparently a change of address would cost you the same and to cancel fee is at least £55.Right now I would love to speak to Mark Godfrey the Head of the insurance! AND I SHOULD SHARE HOW GREAT YOU BREAKDOWN COVER IS Too since I had to stay behind the wheels at - 3 Celsius with the window open behind a recovery van and a piece of metal, didn't you hear of platform, not to mention my car is automatic. To summarise I DON'T RECOMMEND RAC AND YOU SHOULD BE AWARE IF THINKING OF BUYING INSURANCE FROM THEM AND READ THE SMALL PRINT! Reviewed on: 7th January 2017

Worst insurance company - ever

I could honestly not say worse things about this company if I tried - RAC wanted to charge me 550 pounds more because I now have a UK driving licence - it is apparently 550 pounds cheaper to drive on an international driving licence than change to a UK one. I still have my International drivers so why do I need to change? Because I do not want to change and am legally allowed to drive on my international for another year RAC wants to cancel my policy and charge me 75 pounds to do it. You must be kidding me! Further the consultants slipped up and I now have proof of this company lying via my phone record which I will make public should they not sort this mess out. Keep it simple and do not use this company! Reviewed on: 21st October 2016

Breakdown cover is great

All our family get this cover and it has proven to be reliable this year Reviewed on: 16th October 2016

Best Car Insurer I've dealt With

Having dealt with some terrible car insurance companies, I was really pleased to set up my policy with RAC. They have always been a reputable company, so to have the cheapest policy with them via a comparison site, is great. It was easy to set up online and they didn't even ask for my NCD proof! Would definitely recommend. Reviewed on: 30th August 2016

great cover

They provide great insurance cover and are reliable Reviewed on: 14th August 2016

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