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RAC: Car insurance reviews

Name: Car insurance
Rating: 1.86 (185 reviews)

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1.78

Based on 185 reviews, last reviewed 5th Sep 2025

300% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

15%

74%

Latest highest rating:

5

Using compare sites I found RAC competitive with add... Using compare sites I found RAC competitive with added features which was included within the premium whereas other sites added these to the standard ... Read more Reviewed on: 5th September 2025

Latest lowest rating:

1

Highly disapointed with RAC you go with these compan... Highly disapointed with RAC you go with these companies because the brand, so I exported my car had insurance with RAC for 2 years in the the next yea... Read more Reviewed on: 23rd July 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 (185)

Avoid RAC they stole money from pensioner bank account

These crooks auto renewed an 84 year old pensioners car insurance without sending a renewal notice. What was £500 for year 2022 was renewed at 1,331 in 2023 despite no change in circumstances or claims. We contacted RAC to cancel the insurance within the 14 day cooling off period as per their term and conditions and was advised it was cancelled on the telephone and a refund was being processed. A few days later we contacted RAC again as there had been no refund or confirmation email of cancellation to be told the insurance hadn’t been cancelled and there was no refund pending. Spoke to manager who said this time they had definitely cancelled the insurance and would receive a refund in the next few days. One day later RAC had taken yet another payment of £1,257. We contacted RAC yet again and was told the money was taken in error. They then refunded the original payment for car insurance but we are still awaiting the refund of £1,257 that was taken in error and all RAC say is the refund is processing that was 6 days ago. The customer service team are rude and argumentative. I’ve scanned every email that came through by RAC and there was 100% no renewal notice. This is Theft. The bank are now involved and have also asked RAC to return stolen money. Avoid RAC. Reviewed on: 13th December 2023

Hit by third party insured with RAC

I'm currently insured with Admiral, but was hit by a third party insured by RAC. My insurance offered me to go through their third party company Auxillis, which informed me my vehicle was a total loss. RAC then contacted me the next day to transfer the valuation amount into my account. Very fast and easy so I could look into getting a new vehicle. Reviewed on: 18th November 2023

Avoid like the Plague

Tried to change vehicles on my policy and told I've to take out a new policy with another provider, and in order to leave to find another myself, I'm required to pay a £100+ exit fee. Complete daylight robbery Reviewed on: 16th November 2023

Joke insurance Co Ltd

I've had the black box insurance for 12 months. Their renewal letter is a 133% increase, a farcical amount. The black box wasn't working at all for four months. When I rang RAC to report they put the phone down twice. In the opening weeks I had 4 letters cancelling my policy and 4 letters saying it wasn't being cancelled. Reviewed on: 13th November 2023

Making changes

This company are a joke, just tried to make a couple of simple changes to a policy (change of address and new job - nothing unusual) with 5 years driving experience and 5 years no claims to be told this can't be done, and also told that I must now cancel the policy, even though it was an enquiry... Avoid unless you know for sure your circumstances won't change.. Reviewed on: 24th October 2023

Absolutely point

How does this company even exist.. had an accident in our car and RAC, who I pay, do not handle the claim or actually know who does. I’d rather pay more and get a better service than deal with these clowns. Reviewed on: 24th October 2023

Avoid like the plague

They simply don't care or do anything for their customers. Complete wastes of space. Reviewed on: 23rd October 2023

Rubbish

If I could give minus stars I would Despicable, service, rip-off, money, grabbing vultures stay well away do not use RAC Insurance For anything. I had a policy and then I changed my car. to a VW transporter van, no commercial van every day family vehicle type van with six seats. In the past when I have changed vehicles midway through a policy to be no problem and I’ve been able to do it, I may have been charged a very small admin fee but I could do it. Oh no, no no no not with these rip-off vultures they gave me no choice but to cancel my policy, and then charge me an obscene amount for a cancellation fee As they claimed, they don’t insure the type of vehicle that I wanted to I told them it’s not a commercial van it’s a family vehicle doesn’t matter they were rude on the phone not very helpful. Like I say do not use these guys they are awful Reviewed on: 23rd October 2023

Vile organisation

Don't insure with these. Double your fee after 12 months and hope you don't notice the auto renewal price. Also you would be very lucky to see a penny in a claim. Rude customer service also. And NEVER use the breakdown recovery. They don't exist if you have anything worse than a flat battery. Even then you can be abandoned for 12 hours or more Reviewed on: 19th October 2023

Fair price insurance

Spotted the firm online when my previous insurers wouldn't lower their prices Reviewed on: 14th October 2023

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