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RAC: Car Insurance reviews

Name: Car Insurance
Rating: 1.83 (179 reviews)

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1.71

Based on 179 reviews, last reviewed 9th Jan 2025

100% decrease in 5 star reviews

in the past 90 days

20% decrease in 1 star reviews

in the past 90 days

14%

75%

Latest highest rating:

5

Customer service Excellent customer service and attention to detail Reviewed on: 4th September 2024

Latest lowest rating:

1

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

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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.

Everybody’s requirements for car insurance are different, so consider what’s most important to you before choosing a new provider. Perhaps you want a basic third-party level of cover for the lowest cost? Or maybe you want a fully comprehensive cover with additional add-ons. Whatever your needs, find out how satisfied existing customers are by reading the RAC car insurance reviews on Smart Money People.

Have you had a car insurance policy with RAC? Share your experience with our Smart Money People community to help other drivers just like you. Together, we can help people like you make better decisions. Did you have any experience with RAC’s customer service team? Did you have any issues arise throughout the term of your policy? How well were these problems dealt with? Were you satisfied with the level of cover you received for the price of the policy? Leave an RAC car insurance review today.

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RAC Car Insurance reviews (179)

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

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

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

Stay away

the worst insurance company and very bad customer service stay away from these thieves Reviewed on: 17th September 2024

Renewal increased by £400 for no reaso

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

Don't use RAC online insurance

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

AVOID THIS INSURER

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

Customer service

Excellent customer service and attention to detail Reviewed on: 4th September 2024

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