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RAC: Car insurance reviews

Name: Car insurance
Rating: 1.86 (185 reviews)

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1.78

Based on 185 reviews, last reviewed 5th Sep 2025

300% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

15%

74%

Latest highest rating:

5

Using compare sites I found RAC competitive with add... Using compare sites I found RAC competitive with added features which was included within the premium whereas other sites added these to the standard ... Read more Reviewed on: 5th September 2025

Latest lowest rating:

1

Highly disapointed with RAC you go with these compan... Highly disapointed with RAC you go with these companies because the brand, so I exported my car had insurance with RAC for 2 years in the the next yea... Read more Reviewed on: 23rd July 2025

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About this product

RAC car insurance is award winning and provided by a panel of selected insurers.

With RAC Online cover you can choose to manage everything yourself digitally and benefit from lower fees. All RAC car insurance policies include a 24/7 claims helpline and 60-day EU cover.

RAC car insurance 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 Car insurance reviews (185)

Using compare sites I found RAC competitive with add...

Using compare sites I found RAC competitive with added features which was included within the premium whereas other sites added these to the standard cost making them uncompetitive. Having their app on my phone reminds me of mot dates, servicing plus cheaper fuel stations within my area Reviewed on: 5th September 2025

Easy to get the insurance in the first place and for...

Easy to get the insurance in the first place and for a good price too. Reviewed on: 5th September 2025

Very pleased

Best price available. Good app. and communication. Reviewed on: 5th September 2025

Highly disapointed with RAC you go with these compan...

Highly disapointed with RAC you go with these companies because the brand, so I exported my car had insurance with RAC for 2 years in the the next year 2 months in needed to cancel due to export. Paid 2 months recieved 6 weeks. 45 per month. 540 per year, they want 237 pounds to cancel. Recieved 6 weeks paid 90 pounds 237 pounds to release, total 327 pounds for 6 weeks to be fair lets make it two months. Basically making my insurance 1962 per year. This is extortion at its finest I have to pay it because I cant afford the credit issues. There a disgusting company at best my advice is stay away, after we asked them why and for a breakdown Victoria left the chat when we asked to speak to a manager. Left us in the lurch with no help what so ever. Companies are judged on these times for me when you need help they just go for the jugular its a nasty tactics and one I hope I can help others avoid. My wife was with Direct line no additional charges just a wish of good look and only a 35 pound leaving admin fee well done direct line shame on you RAC Reviewed on: 23rd July 2025

Pathetic customer service

Chose RAC due to great reviews, trustworthy, great response times. First time using them to report a car that wouldn't start. Unable to speak to an actual person, just sent a link to follow, paying an excess fee of £45 even before continuing with the report. This was at 14:30, the first ETA was between 15:30 and 16:30. This then changed to a time slot between 17:00 and 19:00. Meaning the wait could be up to 4.5 hours! Put a Plan B into place whereby my wife was coming to me with jump leads after work. She got to me and everything was sorted. RAC then rang to say they were on the way but I explained the situation, he apologised for the very long wait time and said to call customer services to arrange a refund of the £45. This is now proving impossible as I cannot get through to anyone that can help on the phone. Transferred multiple times only for the automated voice to say the line was closed. It's an automated hell-hole of a service, it really is. None of the options relate at all and if I do get through to someone to explain the situation they say they can't help and I need such and such department but then the route to them stops. It's so frustrating and pathetic. After this is sorted I'll be cancelling my membership and going elsewhere. Reviewed on: 28th May 2025

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 never joined I have cancelled auto renewal Never again will I use Rac insurance Reviewed on: 23rd January 2025

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

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

Unreasonably increasing the premium

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 raised this matter over the past months, but no resolution has been provided. Instead, I have been referred from one department to another without any department offering a precise or satisfactory response. This lack of accountability and clear communication is deeply frustrating. Reviewed on: 6th January 2025

Avoid like the plague this is DIY insurance!

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 is top for renewal and I have been warned that I will not be able to get insurance elsewhere and my premium will be higher because the case is closed. I HAVE A LETTER FROM ARIVA ACCEPTING RESPOSIBILITY AND I GOT THAT 6 MONTHS AGO! Reviewed on: 12th December 2024

Beware of hidden Car Insurance cancellation fees

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 experience. I certainly wouldn’t recommend RAC to anyone seeking fair and reasonable car insurance. Reviewed on: 10th December 2024

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