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Elliot P

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Review of the RAC, Car insurance:

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Absolute joke of a company.

Absolute joke of a company. I’ve just had the worst experience I’ve ever faced with a car insurance broker.I am a 34-year-old driver with 6 years of clean No Claims Bonus. I recently moved from an apartment in Wigan to a apartment in Clitheroe. I am moving to a much nicer, peaceful village with an extremely low crime rate, and I even dropped my annual mileage by 3,000 miles down to 12,000. On my original Wigan policy, I was paying a completely normal rate of around £700 to £800. Because I am moving to a safer area and driving less, any normal person would expect the premium to stay the same or drop. Instead, the RAC’s broken automated system selected an underwriter called Tradex and tried to charge me an extra £671.71 amendment fee, or a massive £1,980.07 for a brand-new policy. That is an extra £1,286.84 on top of the credit I already had. It makes absolutely zero logical sense. It is pure greed. When I refused this extortionate rate, I was forced to cancel my policy entirely. To make matters worse, their customer service agents (Palesa and Mandisa) were completely unhelpful on the live chat. Palesa literally abandoned and closed the chat mid-conversation right after telling me my vehicle cover was ending immediately, leaving me hanging. When I got through to a second advisor, they refused to refund a £15 registration number change fee that I paid just yesterday, which is now completely pointless. They then deducted a £45 cancellation fee and a £45 intermediary fee out of my money. They are effectively stealing £90 from me because their own system is too broken to price a standard rural move. I managed to claw back a £559.75 refund, but the penalty fees and the disgusting service are shocking. Avoid the RAC at all costs. They are nothing but a greedy broker panel hiding behind automated scripts. 01.06.2026 - Update 1 - *Speedy reply to a negative review that's visible to the general public. No reply to my private email away from the public eye. Meanwhile, I now have no insurance and cant move my car.* Updated rating 0/5. 01.06.2026 - Update 2 - *Another thing to look out for. I have just checked Moneysupermarket and RAC online are offering the same insurance at the same property for the same car in two weeks time for £738... Make it make sense. Daylight robbery, literally scamming and overcharging your own customers. How can you go from almost £2k to £738 in a matter of weeks?* 02.06.2026 - Update 3 - *Still no response to my email, still no insurance in place, still no solution or resolution. What an absolute shambles of a company who clearly breach FCA consumer duty rules.* 02.06.2026 - Update 4 - *Finally received a phone call only to be told they will refund the cancellation fee but they stand by their volatile prices and advised I should have paid the excessive additional amount as it is a 12 month policy, therefore the address change and additional cost was essentially my fault. WOW.* Please be careful when purchasing insurance from this company as it is quite clear they DO NOT value your custom and consistently breach FCA consumer duty rules. Updated rating -1/5. Reviewed on: 2nd June 2026

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