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RAC reviews

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Rated Poor • 2.13/5

RAC reviews

Unverified business Last reviewed within 7 days

Review summary

People rate this company as Poor based on 444 product reviews

Average score of 2.13/5
5 star
16%
4 star
6%
3 star
1%
2 star
2%
1 star
75%
Reviews for RAC have trended positively over the past 90 days

Latest positive rating

5.00/5

Highly recommend RAC for car insurance

We have been with RAC motor insurance for 2 years now, unlike many companies, they didn't massively hike the price for year 2. Plus we... We have been with RAC motor insurance for 2 years now, unlike many companies, they didn't massively hike the price for year 2. Plus we get breakdown cover and other benefits included. They were cheaper than most other companies we checked out, too. Would highly recommend. Read more Read less

{"display":"Gina","slug":"user1717496884","deleted_at":null,"created_at":"2024-06-04T10:28:04.000000Z","updated_at":"2024-06-04T10:28:04.000000Z","biography":null,"tagline":null,"gender":null,"rank":null,"first_name":"Gillian","last_name":"Myers","full_name":"Gillian Myers","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
Car insurance
Gina 13th October 2026

Latest negative rating

1.00/5

Been waiting for 14 hours for vehicle recovery and s...

Been waiting for 14 hours for vehicle recovery and still no RAC. Very difficult to contact by phone. Won’t be renewing

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Breakdown cover
Kev A 14th November 2026

About RAC

The RAC provides complete peace of mind to more than 12.7m UK personal and business members, whatever their driving needs – from breakdown assistance to insurance and a range of other motoring services.

Are you looking for the perfect breakdown or insurance cover to keep you moving? Our RAC reviews can help you decide if it’s the right provider for you.

If you’re considering taking out cover with RAC, check out our reviews first. Find out which cover policy holders have with RAC and how satisfied they’ve been so far. Learn more about the benefits of being a RAC member. Read about real experiences with the customer service team. All of this and more can be found in our RAC reviews.

Smart Money People is the place for RAC reviews. Read and write reviews to help increase trust and transparency in Financial Services

RAC at a glance

Reviews for RAC

Showing 11 of 444 company reviews • Last reviewed within 7 days

Been waiting for 14 hours for vehicle recovery and s...

Breakdown cover • 14th November 2026

Been waiting for 14 hours for vehicle recovery and still no RAC. Very difficult to contact by phone. Won’t be renewing

Rated Terrible • 1.00/5
Read more product reviews

Changed my car they gave me a quote I found it cheap...

Car insurance • 7th November 2026

Changed my car they gave me a quote I found it cheaper but they wanted stupid money to cancel so have no choice but to... Changed my car they gave me a quote I found it cheaper but they wanted stupid money to cancel so have no choice but to stay with them very poor service Read more Read less

Rated Terrible • 1.00/5
Read more product reviews
  • 1.00/5

    Insane rip off hidden fees.

    Insane rip off hidden fees. Had to cancel insurance after car engine failure expecting to pay an already high fee of £45, only to be... Insane rip off hidden fees. Had to cancel insurance after car engine failure expecting to pay an already high fee of £45, only to be told it would be nearly £130. Not only that but a mistake was made their end with final direct debit and I received a threatening email mentioning bailiffs with a further £20 fine. This was dropped after a tedious 30minute call but the whole experience has been deeply unpleasant. Used RAC for years and never made a claim. Will never use them again and neither will the other 5 members of my family who are insured with them. Complete rip off scammers. Go somewhere else Read more Read less

    {"display":"Sam","full_name":"Sam","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Car insurance
    Sam 7th November 2026
  • 1.00/5

    RAC breakdown cover failed us when we needed it

    RAC supplied and fitted a replacement battery to our company vehicle in February 2023 for £192.49, with a five-year warranty. In September 2026, the vehicle... RAC supplied and fitted a replacement battery to our company vehicle in February 2023 for £192.49, with a five-year warranty. In September 2026, the vehicle failed to start. RAC attended and recorded a battery voltage of just 5.70V and cold-cranking performance of 465A against its original 800A rating. Despite this, the patrol classified the battery as serviceable and jump-started the vehicle. Crucially, the patrol's diagnostic report instructed that the battery required recharging using an external charger. This instruction was never communicated to us, nor were we provided with the report. Three days later, the vehicle failed to start again. RAC demanded an additional £85 to dispatch a patrol, claiming the previously identified problem had not been rectified. How could we follow corrective instructions we had never been given? RAC offered recovery instead, but with an estimated wait of up to nine hours. Rather than send a patrol for a straightforward jump-start, RAC's policy appeared to favour a potentially more expensive recovery that would leave us stranded for hours. We declined to wait and arranged our own rescue. RAC subsequently refused to replace the battery under its five-year warranty because it had discharged below 11.9V. We questioned whether an underlying battery defect could itself have caused the discharge, particularly as RAC had not established the battery's remaining reserve capacity. RAC's final written response stated: "Our warranty policy is clear that batteries found in a fully discharged state are not eligible for replacement, regardless of the cause." In other words, RAC's position is that even if a battery defect caused the discharge, the resulting discharge would invalidate the warranty. On 15 October, following a charging cycle using a quality Victron intelligent battery charger and an overnight period disconnected from the vehicle, we drove approximately 10 minutes to Kwik Fit for an independent assessment. Their equipment reported: • Battery state of health: 56% • Cold-cranking performance: 448A (originally 800A) • State of charge: 34% • Battery voltage: 12.11V Given these results and the repeated breakdowns, we replaced the battery at our own expense. Despite our complaint, RAC maintained its warranty refusal. It acknowledged our concerns about the failure to communicate essential instructions and promised to review its procedures, but offered no remedy. RAC also stated that no further internal or external escalation routes were available. Most people purchase breakdown cover for peace of mind, trusting they will not be left stranded. Yet RAC demanded an additional £85 for a patrol because we had not followed instructions they had never communicated, offering instead a recovery service with an estimated wait of up to nine hours. We were effectively left without timely assistance for a straightforward starting problem. This experience has destroyed our confidence not only in RAC's battery warranty and complaints process, but, more importantly, in its breakdown cover. What value is the reassurance of breakdown cover if you cannot rely on it when you need it most? I would urge prospective customers to examine RAC's terms carefully, particularly how its battery warranty exclusions and repeat-attendance charges are applied in practice. Read more Read less

    {"display":"Saquib I","full_name":"Saquib I","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Breakdown cover
    Saquib I 16th October 2026
  • 1.00/5

    DO NOT USE RAC BLACK BOX FOR YOUR INSURANCE

    DO NOT USE RAC BLACK BOX FOR YOUR INSURANCE nearly 2 hours on a chat to amend and add business insurance which cost £25 just... DO NOT USE RAC BLACK BOX FOR YOUR INSURANCE nearly 2 hours on a chat to amend and add business insurance which cost £25 just to get the quote, plus amendment fee, if you want to speak to someone over the phone its £35 plus the amendment fee. Read more Read less

    {"display":"Mrs Bathard","full_name":"Mrs Bathard","avatar":{"url":"\/assets\/uploads\/avatars\/users\/1767681.png"}}'s avatar
    Car insurance
    Mrs Bathard 13th October 2026
  • 5.00/5

    Highly recommend RAC for car insurance

    We have been with RAC motor insurance for 2 years now, unlike many companies, they didn't massively hike the price for year 2. Plus we... We have been with RAC motor insurance for 2 years now, unlike many companies, they didn't massively hike the price for year 2. Plus we get breakdown cover and other benefits included. They were cheaper than most other companies we checked out, too. Would highly recommend. Read more Read less

    {"display":"Gina","full_name":"Gina","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Car insurance
    Gina 13th October 2026
  • 5.00/5

    Great customer service from RAC, we have car insuran...

    Great customer service from RAC, we have car insurance and breakdown cover and both excellent value for money

  • 4.00/5

    RAC were easy to contact and very helpful

    RAC were easy to contact and very helpful, however you deal with AXA insurance so got farmed off to them in the end

    {"display":"Mark F","full_name":"Mark F","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Car insurance
    Mark F 13th October 2026
  • 1.00/5

    Absolutely horrendous!

    Absolutely horrendous! Stay away I’ve already made a complaint under the case reference CC79617471 and heard nothing back I needed car assistance a couple of... Absolutely horrendous! Stay away I’ve already made a complaint under the case reference CC79617471 and heard nothing back I needed car assistance a couple of months ago, not too far from my house. I called the RAC. This was not even peak time, but the time that they quoted to arrive to me was a very long period. Other breakdown companies are not like this for example my next door neighbour is with AA and they’ve come round extremely quickly on a few occasions when she needed assistance. They are money grabbing and a rip off And then I wanted to cancel my renewal First of all, I cannot cancel my renewal on the app ? Okay, I’ve seen this before amongst a couple of other companies however they still do not even let me do on the website ? I then was required to call, paid for this and they put me on hold for quite some time Then I finally get through I speak to somebody who was clearly just interested in the sale and retaining me for his bonus I wasn’t very impressed with the way that he came across if I’m honest and I think he had a problem with me I rejected the offer to stay on with them and asked him in particular to cancel my renewal He then cancelled my full policy despite this expiring with the company in 10 days time- leaving me with no valid breakdown cover!! Even though I asked for a renewal to be cancelled There would be absolutely no reason for me to want to cancel my policy when I’m still in a contract This left me making long-distance journey with no breakdown cover This is unacceptable, and for that reason I would highly suggest staying away from this company. They’re just interested in your money. And offer very poor customer experience Read more Read less

    {"display":"Anup R","full_name":"Anup R","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Breakdown cover
    Anup R 11th October 2026
  • 1.00/5

    Realised today that I had been driving without cover

    Realised today that I had been driving without cover… Realised today that I had been driving around without any form of cover, due to the... Realised today that I had been driving without cover… Realised today that I had been driving around without any form of cover, due to the RAC ignoring my wish to renew, for the lower price I wanted. Also decided to cancel, for which I was stung for another £25......I would not have minded so much, but the last time I called them out, they arrived 24 HOURS LATE. Hopeless, I will never, ever use these people again, Read more Read less

    {"display":"Keen Reviewer","full_name":"Keen Reviewer","avatar":{"url":"\/assets\/images\/default_new.png"}}'s avatar
    Breakdown cover
    Keen Reviewer 21st September 2026
  • 1.00/5

    Cancellation costs are a joke

    Sold the car a month after renewing insurance. They want £90 in fees plus £93 for 4 weeks insurance to cancle on a £30 per... Sold the car a month after renewing insurance. They want £90 in fees plus £93 for 4 weeks insurance to cancle on a £30 per month policy. Discusting. Customer services were useless, there only responce was "we can refer you to debt recovery if that helps" Don't use them if your planning on changing your car. Read more Read less

    {"display":"Fingers R","full_name":"Fingers R","avatar":{"url":"\/assets\/uploads\/avatars\/users\/1758848.png"}}'s avatar
    Car insurance
    Fingers R 16th September 2026

    Products from RAC

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