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RAC: Breakdown cover reviews

Name: Breakdown cover
Rating: 1.84 (218 reviews)

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1.84

Based on 218 reviews, last reviewed 13th Sep 2026

No new 5 star reviews

in the past 90 days

38% increase in 1 star reviews

in the past 90 days

12%

80%

Latest highest rating:

5

good pricesgood for money good prices/good communication/reasonable time to solve your problems Reviewed on: 21st August 2026

Latest lowest rating:

1

RAC is extremely bad and must shut down CC00435565 CC73029400 RAC member 200110007695329 RAC damaged my credit records by unfairly putting a missed payment of £2.45 on my credit file with c... Read more Reviewed on: 13th September 2026

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About this product

RAC breakdown cover is available in three levels – Basic, Standard and Extra.

RAC claim to get to most breakdowns in 60 mins or less and say that patrols fix 4/5 breakdowns on the spot. In the myRAC app you can get savings on fuel and tyres. Options are available for vehicle cover, personal cover and family cover.

RAC breakdown cover 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 Breakdown cover reviews (218)

RAC is extremely bad and must shut down

CC00435565 CC73029400 RAC member 200110007695329 RAC damaged my credit records by unfairly putting a missed payment of £2.45 on my credit file with credit reference agency when there was actually no missed payment. Then they sent me threatening letters promising to make further damages to my credit file. One letter dated 26 August 2026 says "if payment is not made by 22 September 2026, RAC will cancel my policy and a missed payment will be shared with a credit reference agency". The other letter (ref LTPCO1) dated August 2026 says the "RAC has cancelled my policy on 27 August 2026 and has already notified the credit reference agency of a missed payment". Now i am very upset with this as RAC should not have cancelled my policy or notified the credit reference agency before their own deadline of 22 September 2026. This is wicked and bad. I do have a CLEAN CREDIT RECORDS for the past 22 years with no missed payment. RAC has just destroyed my clean credit record by recording a wrong missed payment on my credit record. I WANT THIS TO BE REMOVED AS SOON AS POSSIBLE and no trace should be left on my credit record. To understand the history of this membership (200110007695329), the membership contract was taken for 12 months in November 2024. After 12 months around November 2025, i sold my car and cancelled my direct debit. I then informed RAC that i no longer use a car and therefore i want my membership contract to be terminated as i have already completed my 12 months contract. RAC refused to terminate the contract under the pretexte that my membership has already automatically renewed for a further 12 months and they demanded that i must continue to pay my membership for a further 12 months until November 2026 even though i no longer use a car or drive. Then after the last payment in November 2026, my membership will not renew and will be terminated. RAC downgraded my policy to £2.45 a month and I then continued to pay against my own will up to 05 September 2026 when out of frustration, i decided to stop payment on 05 Sep 26 because i was paying for nothing as i no longer use a car since November 2025. I was paying around the 5th of every month. The payment for 05 August 2026 was paid on time by direct debit. The Payment for 05 September 2026 was cancelled by myself but is not missed until 01 October 2026. That means i have until 30 September 2026 to make the September payment. Therefore a missed payment should not be notified to any credit reference agency until the month of september 2026 has elapsed i.e. until October 2026. After i cancelled the Direct debit in late August 2026, RAC sent me a threatening letter on 26 August 2026 to say they will report a missed payment to a credit reference agency against my record if i do not pay by 22 September 2026. I phoned up RAC to make arrangement to pay and terminate the membership. A direct debit was set up for 3 payments of £1.96 on 20th Sep, £1.96 on 4th Oct and final payment of £1.96 on 4th Nov 2026. After this RAC membership will be terminated. I was very disappointed and upset when i received another threatening letter on 10 September 2026 from RAC (letter dated August 2026) informing me that they have notified the credit reference agency of a missed payment and this has been recorded on my credit records for nothing. I have done nothing wrong and RAC decided to destroy my clean credit records i maintained for 22 years. RAC is BAD and i will never deal with RAC ever again. This is a dodgy and bad company. I want to claim compensation of £2,000 (Two Thousands Pounds) from RAC for all the inconvenience they have caused me. More importantly i want any recorded missed payment to be removed from my credit record with credit reference agencies. Any record of missed payment will stay on my credit file for 6 years unless RAC removed it completely and immediately. This must be removed. I curse RAC and their managing director RAC memership ANDY BAKER. RAC must be fined and punished by the regulator for doing membership tactics. Reviewed on: 13th September 2026

My car broke down on the hard shoulder of a busy mot...

My car broke down on the hard shoulder of a busy motorway at 2pm. I immediately used the app and got told it would be between 530pm and 830pm before I would get dealt with. I then called them and got told this is incorrect and being in a dangerous position I was a priority and would be sorted within next 30mins. An hour later I called and enquired where my recovery was. They said no one had been assigned to me by mistake and a manager would ring me back. Another 15 mins went by. The call came a lady who was solely focussed on explaining garages were shut and if we drop you at home you would have to pay to sort car as we don’t pick up from the place we dropped you off. I said okay. They then an hour later sent a recovery truck and mechanic. But he was only to diagnose the issue and move me to a services. So I waited another 2 hours until a recovery truck picked me up. Took 8 and a half hours from breakdown to getting home which was an hour away. I complained and explained the level of service was grossly incompetent and asked to speak to a manager to escalate this and basically got told no and here’s the £40 excess you paid back. Truly awful experience. Would highly recommend never using them. Very poor customer service and no want or desire to help someone who was sat on a hard shoulder for almost 3 hours. Reviewed on: 7th September 2026

RAC European Cover NEGLIGENT

RAC European Breakdown Insurance. I had a blowout on the autoroute and managed to limp off the autoroute on a complete flat tyre. After 1 hour of speaking to the RAC, they handed me over to RAC France to repeat the exact same information. The RAC said it was not their problem as I had broken down on the motorway and to call emegency services 112. I hadn't, I had managed to get off the motorway through the toll gates and onto a public road. That is why when I called 112, they said I wasn't on the motorway and it wasn't their problem. I spent €1,000 sorting this out and taking 6 hours. My dog had to go to the vets re heatstroke (12 year old dog in 39c for hours all because of the RAC). I hope you read this David Hobday (Head of RAC) because I am taking legal action against you. The RAC left us to rot and almost killed my dog. They are negligent. I went with them as they are cheaper than the AA who I have used before. What a huge mistake. These people take your money but have no intention of helping. The lady on the call in France told me to say to 112 that I had children in the car. How unprofessional to ask me to tell lies. I urge you not to use this uncaring negligent company and use anyone else instead. The service offered by this company on the day was borderline criminal. Reviewed on: 29th August 2026

good pricesgood for money

good prices/good communication/reasonable time to solve your problems Reviewed on: 21st August 2026

Avoid RAC at all costs!

Avoid RAC at all costs! Over promise and mis-selling for breakdown cover and tow service. Raised a complaint with reference no. CC56520139 regarding the company’s over promise about the tow service. After our car broke down on 18 Jul morning, we called RAC for assistance. The staff provided us tow service information and asked if we need break down cover. At that moment, minimal information was provided by the staff. We didn’t have much information about the service and details of the policy. The staff also didn’t mention there is a cancellation charge for the policy. However given that we would like to settle the case soon, we agreed to pay upfront to start the services. After around 2.5 hours, a truck came. The driver asked us the destination. Since we were in the middle of the trip and didn’t know what was available around the stop point. We tried to check with the driver for advice and the garage service nearby. However, he said no information or advice could be provided. This is totally different from what RAC mentioned on its materials on Website that professional advice will be provided by trusted partners. He said what he could do was towing the car to the designation we provided. As a result, we have no choice but to ask him to tow the car to our home area Manchester. Driver said he checked with RAC and it was ok to arrange another truck for that. We then waited for another half an hour. No one came and we called the RAC again to check the status. To our surprise, the staff said Manchester was not covered due to the distance limitation. A surcharge of £600 was required. This is totally nonsense and not what we agreed. After transferring our call to many teams, we finally got no solution on our case with a long for more than 4 hours. The staff told me this was because I bought the policy on that day, some of the cover won’t be available until the next day. This very important information was not provided by the staff who sold the policy to us. With a long conversation which our call was transferred to different teams, the only suggestion for us is to pay £600 to tow our car. I then requested for a full refund of both the tow service and the policy as they were totally not fitting our needs and not matching with the service level promised by RAC. The staff told me that I could only get back the full amount if I cancelled the policy. Again this was not mentioned during the sale of it. The staff also queried about why we cancelled the tow service and asked the driver to leave. Actually, we didn’t asked him to leave. That was the driver said another truck would come and take us to Manchester. Again, only 10 miles cover without any advice on which garage available is totally useless. It was also misleading to ask us to further wait at the point. I can’t see the service quality of “professional and trusted partners” offered by RAC. Now, RAC just agrees to refund the policy premium and rejected to refund the tow fee even they provided towing service. A totally ridiculous and non-professional company. Reviewed on: 18th August 2026

They have stolen £2600 from our account over 5 years.

They have stolen £2600 from our account over 5 years. This is theft. I asked them to sort it and they refused citing that they cant trace where money goes to. They are the most dishonest company I have ever dealt with and I urge you to avoid them at all costs. Reviewed on: 5th August 2026

RAC: Breakdown cover that breaks down.

I pay RAC so I don't get left stranded. When I actually needed them, they completely failed. After hitting a pothole, I was left at the roadside with my two young children. The first patrol didn't arrive for more than 2 hours. Then he realised he had forgotten the hydraulic trolley jack needed to change the tyre. Instead of fixing the problem, he refused to recover us to the town he had just driven from. To make matters even worse, he drove away in such a rush that he left his hydraulic trolley jack under my car while we were still sitting inside with one side of the car raised. He only came back 30 minutes later to collect it. You simply couldn't make this level of incompetence up. By then, I had completely lost confidence in RAC. After around 5 hours of waiting, I had to arrange and pay £250 for my own recovery because RAC couldn't provide the service I was paying for. Their response? An insulting offer of £50 compensation. RAC didn't recover my car. RAC recovered their jack. If you think breakdown cover means help when you actually break down, think again. When it matters most, RAC leaves you stranded. Reviewed on: 30th July 2026

BE VERY CAREFUL.

BE VERY CAREFUL. I had an online quote from the RAC for front disc and pads for my Ford Grand Tourney. The quoting system found the car and proceeded to give me a quote of £249. Very similar to the AA price. I booked the car in to have the job done. The tech turned up on Monday, stripped the car down removing the parts that needed replacing only to find that the parts supplied where the wrong parts. He then rebuilt the car , checked the parts locally and apologised and said he would return the next day between 10-12am to complete the job. Later that day I received an email to say this would now be done on Wednesday and not the Tuesday as said by the Tech. After speaking to the RAC they said it would be Wednesday at the earliest for the job and I would get contacted by another tech to sort the job. Wednesday came and I get a call late morning from a tech named Jay who said " your not gonna like this but the price is now £770" no explanation other than GSF where quoting more for the parts. I asked him to recheck and come back to me as my car had been off the road for 3 days and was costing meoney not working ( private hire vehicle) he didn't call back but text saying nothing he could do and gave me the wrong number to call customer services. Spoke to a nice girl at customer services who explained their was not a lot she could do on the day but escalate a complaint further on and she would pass me through to the tech booking team again. While on hold I contacted the local ford garage who quoted me £264 for genuine ford parts and GSF web site where they ranged from £120-£170 for non genuine parts. Got me thinking that they were going to charge over £500 just to fit the parts. Put through to a lady called Katie who just basically wanted me off the phone and not interested in the price. It was a case of that's the price. End of. She went away and spoke to somebody senior then came back to me and said that it was an inbound call centre and I could not speak to anyone senior even though she had. Again no explanation as to price increase of the job. I said I wanted to talk to someone more senior which her reply was I'm now going to terminate the call as nothing else I can do. Really disappointed in an organisation like the RAC to treat customers this way. It's left me in a really bad situation with a car that's off the road. I must not be the only person they have done this to and makes me question have they done this as they know I'm desperate to have the work done. I would never recommend RAC to anybody else again after this and would advise anyone to tread very careful because apparently it says in the small print they are allowed to change the quote. Reviewed on: 22nd July 2026

Waiting for them two days no one comes and respond o...

Waiting for them two days no one comes and respond on telephone, don’t waste your time and money Reviewed on: 3rd July 2026

Horrendous lie after lie still haven’t brought my ca...

Horrendous lie after lie still haven’t brought my car back to me called 1am and it’s now 18:30 lie after lie Reviewed on: 2nd July 2026

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