RAC Reviews

Ratings based on 81 reviews Last review 1 day ago
2.83 / 5Good overall rating

RAC state that they are committed to finding their customers a great deal on their car insurance. Smart Money People is the place for RAC reviews. Read and write reviews to help increase trust and transparency in Financial Services

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Your RAC Reviews (81)

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4th December 2020

They cancelled on wrong grounds

RAC cancelled my car insurance on the grounds that the black box was not fitted before 31/08. But it was fitted on 29/08! Even worse: they forgot to communicate it to me. Now they refuse to acknowledge their mistake and take responsability! Insane....

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RAC cancelled my car insurance on the grounds that the black box was not fitted before 31/08. But it was fitted on 29/08! Even worse: they forgot to communicate it to me. Now they refuse to acknowledge their mistake and take responsability! Insane. They can't be trusted.

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27th November 2020

Worst insurance co. to deal with. Avoid

Good competitive quote last year, about £200. Early this year my catalytic converter was stolen. I enquired about a claim and was told if I do the car (23 year old BMW) would be written off. So, no claim. Renewal this year was for over £600. What? I c...

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Good competitive quote last year, about £200. Early this year my catalytic converter was stolen. I enquired about a claim and was told if I do the car (23 year old BMW) would be written off. So, no claim. Renewal this year was for over £600. What? I changed company! I have been sent a Proof of No Claims Discount document. It included Accidental Damage and it was at fault. I had not made a claim. Customer services agreed. Acromas, RACs insurer, assured me “Theft” was on their records. Customer services then agreed theft is on theirs too. But, I cannot get the RAC to send me an updated correct Proof of No Claims. I am presently stuck with Proof of No Claims Discount with the wrong info, and successive emails to customer services yields no reply. AVOID!

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17th July 2020

Avoid at all costs - take money without permission then take ages paying it back

My daughter had black box insurance through them. She rang to inform them that she didn't want to renew (as even though she had scored roughly 95% all year she received no discount for safe driving as promised). They still renewed the policy, and...

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My daughter had black box insurance through them. She rang to inform them that she didn't want to renew (as even though she had scored roughly 95% all year she received no discount for safe driving as promised). They still renewed the policy, and charged over £700 from the credit card used the prior year. Although they confirm that they have a record of her declining the renewal they are taking over a week to refund the money. Customer services staff are clueless and rude.
The policy itself was ridiculous, she was penalised for driving after 6pm and also for driving in 30 zones. Nobody is coming to remove the black box which they installed in the engine so I can only assume it will continue using her battery. Utter joke. We will be cancelling our roadside assistance too as don't want to have any further dealings with this company

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1st May 2020

Not interested in lockdown customers

Admiral insurance just gave my wife (and all their customers) a £25 refund due to their claims being lower than usual in lockdown. When I asked RAC to cancel my insurance I was charged £40. I was told this was completely unavoidable. I know where I w...

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Admiral insurance just gave my wife (and all their customers) a £25 refund due to their claims being lower than usual in lockdown. When I asked RAC to cancel my insurance I was charged £40. I was told this was completely unavoidable. I know where I will be going next time.

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21st April 2020

Insurance issue

Disgusted at the way my mother has been treated with her RAC car insurance....

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Disgusted at the way my mother has been treated with her RAC car insurance.

Took out a few months ago then had a letter so say there was a problem with her policy and need to ring to sort it. Rang RAC car insurance to be told dont worry theres nothing on the system and no problem with the insurance. She was told to "ignore the letters" then has a letter to say her insurance will be cancelled in the next couple of days.

Again, another phone call which they say she put in a claim in 2016 but they couldn't tell her what it was for so said she will have to ring her insurance for the year 2016 bearing in mind shes had no problem in the years after 2016.

Rang her old insurance which they have no record of a claim because it never happened.

They have said they will over ride the insurance cancellation but will have to pay £300 to keep the policy which will be refunded if she can prove there was no claim.

So meanwhile I am sorting the paper work out from her old insurance to send to RAC to prove this!


Shocking customer service and really don't care about the customer.

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7th March 2020

The worst car insurance ever!

The worst car insurance ever! Don't use them. They will cancel your insurance suddenly in a rude way no matter whether it's your fault, and deduct hundreds pounds cancellation fee! The black box is a nightmare, don't go with it, it's faulty no matter...

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The worst car insurance ever! Don't use them. They will cancel your insurance suddenly in a rude way no matter whether it's your fault, and deduct hundreds pounds cancellation fee! The black box is a nightmare, don't go with it, it's faulty no matter how good your drive is you never get good score! Avoid them and use others!

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10th November 2019

Good price and good renewal but when you need it useless

I have had full RAC cover since buying my car , firstly included in the package from the dealer , when it came to renewal they made a great 2 year renewal deal which worked out very competitive so I stayed with them . Service from the sales team was...

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I have had full RAC cover since buying my car , firstly included in the package from the dealer , when it came to renewal they made a great 2 year renewal deal which worked out very competitive so I stayed with them . Service from the sales team was excellent. Never needed to use the cover but when it was needed and a late afternoon breakdown occurred I was shocked at just how bad they were , far worse than much cheaper companies I have used in the past . It took 3 calls and 5 hours to get assistance which arrived at 1 am from a local garage recovery truck , the driver was not a great fan of the RAC and spent most of the time informing me of other long delays the RAC had caused and how common these errors are . He ended up saying I think this is wrong but I haven't got the tools to fix it , I could tow you to the garage but it'll probably take them a week or so to fix it and it could cost you a fortune... BRILLIANT , will never use them again . Stick with the cheapest next time.

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15th October 2019

Disaster!!!

Please avoid this company, courtesy car was included in the rac breakdown and car insurance policies. When our car breakdown I called them to book mechanic, we was waiting all day, without updates, you need to call them to check. They transfer the...

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Please avoid this company, courtesy car was included in the rac breakdown and car insurance policies. When our car breakdown I called them to book mechanic, we was waiting all day, without updates, you need to call them to check. They transfer the calls to someone else, which wasn’t helpful. Booked courtesy car, and the booking was confirmed twice. Went to pick up the courtesy car, and and I was told the booking wasn’t confirmed in their system. I call rac to check what is going on, they was telling me the booking was confirmed, and after few phone calls with different people, courtesy car wasn’t provided. Very bad experience with this company, and they charge you £110 p/m for that and can not help at all when you need them!

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15th October 2019

Disaster!!!

Please avoid this company, courtesy car was included in the rac breakdown and car insurance policies. When our car breakdown I called them to book mechanic, we was waiting all day, without updates, you need to call them to check. They transfer the...

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Please avoid this company, courtesy car was included in the rac breakdown and car insurance policies. When our car breakdown I called them to book mechanic, we was waiting all day, without updates, you need to call them to check. They transfer the calls to someone else, which wasn’t helpful. Booked courtesy car, and the booking was confirmed twice. Went to pick up the courtesy car, and and I was told the booking wasn’t confirmed in their system. I call rac to check what is going on, they was telling me the booking was confirmed, and after few phone calls with different people, courtesy car wasn’t provided. Very bad experience with this company, and they charge you £110 p/m for that and can not help at all when you need them!

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13th September 2019

Appalling service - dishonest and disinterested. Avoid.

My daughter took out a car insurance policy with RAC. A couple of weeks after setting this up they contacted her to say that it was cancelled with immediate effect because of an undeclared and unresolved claim against her. In fact this was entirely...

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My daughter took out a car insurance policy with RAC. A couple of weeks after setting this up they contacted her to say that it was cancelled with immediate effect because of an undeclared and unresolved claim against her. In fact this was entirely incorrect and was due to an error by her previous insurer (Admiral) who had said they would remove it from their records and then failed to do so. She contacted Admiral who contacted the RAC to confirm this fact. She the asked RAC to restart her policy as this had clearly been an error. They said they could not restart a cancelled policy but would have to quote on a new one - which they did for a cost 3 or 4 times more expensive than the one just cancelled. When she asked why they said it was because she had a cancelled policy - which she did: cancelled by themselves because of provenly incorrect data sent by another insurer! The computer said no and that was that. They agreed to refund her money but did so minus £250 which they said they could charge because of this - totally unnecessary- cancellation. When she complained a few days later the person she spoke to agreed that in the circumstances they would refund the amount. This never materialised and when she enquired was told that this person should not, in fact, have authorised it and it had been cancelled. After issuing a further complaint she was told they would look at it again and get back to her in 6-8 weeks - which, of course, they have not done. I wrote to them on her behalf as well but have not even had the courtesy of a reply. Basically, they have misappropriated £250 of her money due to an error in the information sent by her previous insurer which that insurer very promptly confirmed. Disgraceful service and I would urge anyone to think very carefully before giving their business to such a company

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25th April 2019

Complete farce of a back office

Totally screwed up dealing with a simple change of car details with a short gap in between selling the old car and taking delivery of the new. This was corrected by a very competent team leader and agent in Peterborough in late March (a genuine ‘well ...

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Totally screwed up dealing with a simple change of car details with a short gap in between selling the old car and taking delivery of the new. This was corrected by a very competent team leader and agent in Peterborough in late March (a genuine ‘well done’ to them as they were superb). But the Basingstoke back office finance department have been chasing me daily 24 and 25 April for a non-existent debt and telling me the policy has lapsed ... I have twice responded to them with a call following their urgent text to me, and twice the agent has been incapable of talking sense, Twice I have asked them to log a formal complaint and have a manager call me back urgently ... and twice now, NOTHING has happened. No call, nobody to take responsibility and no apology for the massive distress these texts, calls and apparent policy cancellation have caused me. What is wrong with these people ??

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15th April 2019

Avoid at all costs - arrogant beyond belief

Dreadful service, arrogant advisors and unhelpful. You may trust the RAC name but don't under any circumstances think it applies to their insurance policies. They have no intention of helping you if you claim - they simply dump you on their shoddy...

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Dreadful service, arrogant advisors and unhelpful. You may trust the RAC name but don't under any circumstances think it applies to their insurance policies. They have no intention of helping you if you claim - they simply dump you on their shoddy insurance underwriters (who are a disgrace) and absolve themselves of all responsibility when you need them most.

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26th February 2019

Ridiculous arrogance, Cash cow public, AVOID at all cost's

Bottom line 3 years with them and quoted £860 for 1.6 diesel, 43 year old with 6 years no claims, i was quoted £190-£280 MAX by 5 other insurers with better policies ! i saved over £500 with one free cal...

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Bottom line 3 years with them and quoted £860 for 1.6 diesel, 43 year old with 6 years no claims, i was quoted £190-£280 MAX by 5 other insurers with better policies ! i saved over £500 with one free call
RAC was trusted brand, not now, as insurance broker they are disgusting, £30 charge for every phone call ever made, they dont insure you, they punt you out and charge another £100 on top, plus the £30s for any call, one internet search will save you 100s, if you like yourself dont renew your policy, i lapsed last year and was going to be £200+ to cancel policy, on reflection i would NEVER put another £ in there hands, they dont make any effort to get you a competitive Quote, they are cynical and unwilling to help at any level, take a day and save yourself the hardship of a Poor service provider

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19th September 2018

Shocking service

What a terrible company - I have had a company car for years and no claims at all! Due to car allowance I have leased a car. Despite Lex providing details of my No claims; RAC would not accept!!!!! They claim it’s not valid so I asked to cancel and t...

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What a terrible company - I have had a company car for years and no claims at all! Due to car allowance I have leased a car. Despite Lex providing details of my No claims; RAC would not accept!!!!! They claim it’s not valid so I asked to cancel and they stated it would take effect at midnight that day. Instead they cancelled it at 15:30 putting me and my vehicle at severe risk. Would not recommend- try LV!

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18th September 2018

Rip off company!

Rip off...

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Rip off company!
Took a breakdown, parts and labour insurance for a 7 year old car and they declined to cover a broken clutch and forced me to use one of their authorised dealers which charged£1700 pounds even before they would diagnose which parts were broken! Both RAC and their dealer coerced me to pay upfront if I wanted the insurer to have a look. RAC parts and labour Customer services is terrible and they will hide behind 'Wear and Tear' clause for anything you try to claim... basically the insurance does not work for old cars... and it is pointless for new cars!
DO NOT RECOMMED

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16th September 2018

RIP OFF

After buying another car (7 years younger than current one and no bigger - going from Fiat Punto to Vauxhall Corsa), I go to swap my RAC insurance to the new car to be told it will be over £100+!! more for the year? So I go to cancel and am told I'll ...

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After buying another car (7 years younger than current one and no bigger - going from Fiat Punto to Vauxhall Corsa), I go to swap my RAC insurance to the new car to be told it will be over £100+!! more for the year? So I go to cancel and am told I'll be charged a £50 cancellation fee PLUS £24 admin fee, so as you can imagine, hardly worth me cancelling. But hey RAC!! you won't see me for dust this time next year. You rip people off. I've just searched like for like quotes on Meerkat and found I could have my insurance at my current price for the size of car I have brought. I am appalled companies like you can get away with daylight robbery! This is the last you will see of me!