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RAC: Car Insurance reviews

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1.72
Based on 180 reviews, last reviewed 23rd Jan 2025
No new 5 star reviews
in the past 90 days
100% decrease in 1 star reviews
in the past 90 days
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14%
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7%
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1%
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3%
See only 1 star reviews
75%

Latest highest rating:

5

Customer service Excellent customer service and attention to detail Reviewed on: 4th September 2024
Andrew Markwell 's avatar
Andrew Markwell

Latest lowest rating:

1

I STRONGLY advise people not to insure a car with Ra... I STRONGLY advise people not to insure a car with Rac I joined solely on the quote of £411 I Paid for the year Then was charged a extra £128 I wish I ... Read more Reviewed on: 23rd January 2025
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Johnnyboy
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About this product

At Smart Money People, we collect RAC car insurance reviews from genuine RAC customers to help you make an informed decision when choosing your next insurer.

RAC was founded in 1897, best known for its breakdown cover. The company offers a range of car insurance policies, including pay-by-mile, temporary, learner driver, young and new drivers, and classic car insurance. Check out our RAC car insurance reviews to see how genuine customers rate these policies.
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RAC Car Insurance reviews (180)

I STRONGLY advise people not to insure a car with Ra...

1
I STRONGLY advise people not to insure a car with Rac I joined solely on the quote of £411 I Paid for the year Then was charged a extra £128 I wish I never joined I have cancelled auto renewal Never again will I use Rac insurance Reviewed on: 23rd January 2025
Johnnyboy 's avatar
Johnnyboy

RAC will rip you off. Don’t trust, (TrustPilot)

1
Sucks you in for a good price!. Once renewal is up, they charge you triple!! Also TrustPilot will remove your negative reviews against RAC! Reviewed on: 9th January 2025
Stephen's avatar
Stephen

Unreasonably increasing the premium

1
Unreasonably high premium quoted for our replacement vehicle. Following the total loss of our car in the accident (non fault claim) , I purchased a new vehicle and requested an updated insurance quote from RAC. The premium quoted was significantly higher than similar policies offered by other insurance platforms. This increase appears unjustified despite our request for an explanation, and I would appreciate a detailed reasoning for this pricing discrepancy. I have repeatedly ... Reviewed on: 6th January 2025
Kevin Lo's avatar
Kevin Lo

Avoid like the plague this is DIY insurance!

1
Avoid like the plague this is DIY insurance! My car was hit by a buss, the driver left contact info Arriva accepted responsibility, I have that in writing. RAC only log claim then you have to deal with underwriter yourself. The underwiter then required me to write to Arriva myself to get my excess back. Now I have an email from the underwriters solicitor asking for all the details of the claim again because Arriva have not coughed up. This is now 6 months later and my insurance ... Reviewed on: 12th December 2024
David B's avatar
David B

Beware of hidden Car Insurance cancellation fees

1
I purchased a car insurance policy with RAC that hadn’t even started, yet they charged me a £45 cancellation fee and an outrageous £45 Insurer Service Fee (ISF). These fees were buried in the T&Cs and feel completely unjustified. The lack of flexibility and transparency is shameful. I expected much better service from such a well-known company. When I questioned these charges, their customer service agent, Alicia, was unhelpful and dismissive. A truly disappointing experienc... Reviewed on: 10th December 2024
Paul I's avatar
Paul I

The absolute worst insurance company I've ever been...

1
The absolute worst insurance company I've ever been with. I had to fight for a copy of my policy and was questioned why I wanted it. Online chat 'Anthony' cut off my conversation when i was trying to get to the bottom of the extra charges. They have charged me twice the amount I should have been charged and not issued a refund they were supposed to. I've contacted them about 20 times trying to sort this. I give up. Waste of space! Reviewed on: 24th September 2024
Annoyed customer's avatar
Annoyed customer

Stay away

1
the worst insurance company and very bad customer service stay away from these thieves Reviewed on: 17th September 2024
Dir A's avatar
Dir A

Renewal increased by £400 for no reaso

1
My renewal came in after 2 years with RAC. They increased by £400 to £1150. I have not claimed or contacted them in the year. I have 9 years NCB and increased for no reason. Many will auto review and get completely ripped off. Shameful and criminal. I shopped around and got insured with less excess for £550. When will insurance companies be held to account. Reviewed on: 10th September 2024
Liam C's avatar
Liam C

Don't use RAC online insurance

1
I helped a neighbour to purchase RAC online insurance. The purchase went fine but a day later they requested documents to be sent which we scanned and sent but three days later they cancelled stating that they had not received the documents despite email was sent to the same email requesting it. In the chat they said they never read their emails!. Please don't use this insurance Reviewed on: 7th September 2024
Eddie M's avatar
Eddie M

AVOID THIS INSURER

1
Tried to claim for windscreen damage after flying debris put deep scratch in line of vision. Told that this was not covered as it was WEAR AND TEAR ! They were however very happy to repair privately for £440. Tried to complain but just got sent round in circles. Very poor service. Reviewed on: 5th September 2024
Peter S's avatar
Peter S

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