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RAC: Car Insurance reviews

Name: Car Insurance
Rating: 1.82 (180 reviews)

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1.72

Based on 180 reviews, last reviewed 23rd Jan 2025

No new 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

14%

75%

Latest highest rating:

5

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

Latest lowest rating:

1

I STRONGLY advise people not to insure a car with Ra... I STRONGLY advise people not to insure a car with Rac I joined solely on the quote of £411 I Paid for the year Then was charged a extra £128 I wish I ... Read more Reviewed on: 23rd January 2025

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About this product

At Smart Money People, we collect RAC car insurance reviews from genuine RAC customers to help you make an informed decision when choosing your next insurer.

RAC was founded in 1897, best known for its breakdown cover. The company offers a range of car insurance policies, including pay-by-mile, temporary, learner driver, young and new drivers, and classic car insurance. Check out our RAC car insurance reviews to see how genuine customers rate these policies.

Everybody’s requirements for car insurance are different, so consider what’s most important to you before choosing a new provider. Perhaps you want a basic third-party level of cover for the lowest cost? Or maybe you want a fully comprehensive cover with additional add-ons. Whatever your needs, find out how satisfied existing customers are by reading the RAC car insurance reviews on Smart Money People.

Have you had a car insurance policy with RAC? Share your experience with our Smart Money People community to help other drivers just like you. Together, we can help people like you make better decisions. Did you have any experience with RAC’s customer service team? Did you have any issues arise throughout the term of your policy? How well were these problems dealt with? Were you satisfied with the level of cover you received for the price of the policy? Leave an RAC car insurance review today.

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RAC Car Insurance reviews (180)

RAC DO NOT DESERVE ANY STARS.

Incident in September 2022 and I’m STILL waiting for car to be repaired. Informed the earliest available appointment to sort car issues is 22 May!! This, despite car being assessed by garage in October…….. Charged £25 admin fee because I failed to tell them I’d taken early retirement! AVOID! AVOID! AVOID!! Reviewed on: 10th May 2023

Unacceptable amount of time to receive money for written off vehicle

Had my car written off in February after it was hit by a driver while parked outside my house. Other drivers insurance have admitted liability. Unacceptable amount of time of 11 weeks on & still waiting for the money owed for my written off vehicle. Spent hours on the phone on hold & being pushed from pillar to post trying to find out what is going on. Cannot get to actually speak to anyone from RAC but instead a company they use called IMS who keep telling me the same thing continuously, that they are chasing the money. Seriously? 11 weeks to chase the money?! I will now be forced to waste yet more time by having to get this settled via the financial ombudsman. I would not recommend using RAC car insurance & would steer clear at all costs, they are not there to help you when you need them to after taking your hard earned money & you will be left with nothing but stress.. Insure your vehicle with any company other than this one. Reviewed on: 26th April 2023

£160 to cancel an unneeded auto renewing RAC policy.

I was a couple of days late cancelling a long-held auto-renewing vehicle insurance policy with the RAC. The vehicle had been sold. The cancellation fee was £160! I was charged almost £200 for 18 days of cover, which I did not need. So think again if you're considering buying a RAC autorenewing insurance policy. Reviewed on: 22nd April 2023

Fined by Rac Insurance

I have held motor insurance with Rac for nearly 2 years. I missed a direct debit payment which was my fault, but I didn't know I'd missed a payment neither my bank or Rac told me. 10 days later I received an email saying my insurance was going to be cancelled in 2 weeks. Again no reason given. I logged into my account and while battling through adverts to find the reason why, I couldn't find out. I rand the contact number and got through after 38 minutes. They told me why. I immediately paid. And they fined me £25 for the honour. This is my last year with rac for any of their products Reviewed on: 8th April 2023

R.A.C home insurance is a scam t

THE R.A.C THEY ARE NOT A GOOD INSURANCE CO. THEY WERE BUT NOT ANY MORE.as a break down service that also have gone down hill the min for a break down is 3 hours and the insurance is worse they take your money you have a problem you get the repair done they then tell youthey will not pay the claim i am 75 and barely walk and they do not care as long as they get themoney every month. please read this review and i urge you do not take out rac. ins i have been an rac member for 43 years now i am looking to change to another breakdown company they do not want loyal customers if they did they would look after me in all aspect of insurance. Reviewed on: 19th March 2023

never buy insurance

Would never buy or recommend RAC insurance for you or your friends. Initially, they provide information misleading you to buy the cover. Later, they will add all charges without contacting the customer and even the cancellation is done by the company. Adding to that, they will even give you cancellation charges. Reviewed on: 17th March 2023

Cheap Insurance but impossible to claim

Attempted to claim for a minor bump, after 5 days and cumulative of several hours in a call queue for their "hotline" had to give up. A phone number that is the only way to claim should be staffed reasonably enough that a claim can be made in a reasonable time period. Reviewed on: 17th March 2023

Being ignored

Following difficulty speaking to RAC claims department I have tried to make a complaint. Despite FIVE attempts have had no response. Anyone at the RAC ever heard of customer service?? Reviewed on: 14th March 2023

WORST INS CO OUT THERE

Do NOT use RAC - they are not a direct supplier so you will be charged for EVERYTHING. Change of bank account - £20 admin fee - missed DD because they messed up the change of bank account - £20 Fee - cancelling insurance because they are rubbish - £55 (yes, FIFTY FIVE) fee. Wish id never heard of them! Reviewed on: 3rd March 2023

A V O I D ! WORST EVER !

Wish I'd read reviews first ! This company is the defi ition of , pay cheap pay twice !! Reviewed on: 2nd March 2023

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