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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)

Renewal increased by £400 for no reaso

My renewal came in after 2 years with RAC. They increased by £400 to £1150. I have not claimed or contacted them in the year. I have 9 years NCB and increased for no reason. Many will auto review and get completely ripped off. Shameful and criminal. I shopped around and got insured with less excess for £550. When will insurance companies be held to account. Reviewed on: 10th September 2024

Don't use RAC online insurance

I helped a neighbour to purchase RAC online insurance. The purchase went fine but a day later they requested documents to be sent which we scanned and sent but three days later they cancelled stating that they had not received the documents despite email was sent to the same email requesting it. In the chat they said they never read their emails!. Please don't use this insurance Reviewed on: 7th September 2024

AVOID THIS INSURER

Tried to claim for windscreen damage after flying debris put deep scratch in line of vision. Told that this was not covered as it was WEAR AND TEAR ! They were however very happy to repair privately for £440. Tried to complain but just got sent round in circles. Very poor service. Reviewed on: 5th September 2024

Customer service

Excellent customer service and attention to detail Reviewed on: 4th September 2024

Completely transparent!

Everything I was concerned about was explained fully. Straight talking and great customer service. Options to pay monthly discussed. Reviewed on: 4th September 2024

Excellent service all round.

Excellent service all round. And very pleasant to deal with. Reviewed on: 24th August 2024

Easy to deal with very friendly and helpful,good value

Easy to deal with very friendly and helpful,good value Reviewed on: 23rd August 2024

As advertised.

As advertised. No major surprises Reviewed on: 23rd August 2024

Good service everything done at right time

Good service everything done at right time Reviewed on: 23rd August 2024

RAC - Rates Are Criminal

They seem to think that because my wife's car was stolen in 2022 that they could increase my premium from £303.94 to £470.56 for her to be a named driver in my policy and when I said I'll take her off the policy, they hit me for a further £54.32. I did make the mistake of not reviewing the details through a compare website so initially didn't realise that I'd overlooked her claim. I'll take that on the chin, a genuine oversight on my part. When I wanted to change my cherished plate back to the vehicle's original one, £25.00, some companies don't charge, RAC do, it's in the T's&C's of course, seems ridiculous since it's all automated but they try and explain it in their gobbledygook insurance speak. When I needed to change to a newer vehicle, they wouldn't quote so I cancelled which cost me another £45.00. so unless you've got a very mature money tree in your back garden that needs pruning, ignore any cheap looking quote from RAC insurance, it's only cheap until they invoke a clause that helps them empty your wallet or chop down the money tree. Reviewed on: 18th April 2024

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