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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)

Avoid the RAC Car Insurance

Truly awful to deal with and after we received our certificate we received a letter stating they would cancel our motor policy unless we paid extra administrative fees which they had added at a later stage. This company needs investigating by some sort of Insurance Authority. Avoid them at all costs. They are very difficult to contact once they get your money. Reviewed on: 13th May 2023

Terrible data management shocking systems to rip people off

If this company was based abroad, I would have thought this was a scan. They charged me £20 as they took the payment form card details from 12 months ago without checking with me the customer. Their responses via email are at best rude and dismissive. Do not use this service, they are shocking Reviewed on: 12th May 2023

Excellent and fast

This company always sorted and helped me in the worse moments I jad to go through with my car. I would absolutely recommend it to everybody! Reviewed on: 11th May 2023

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

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