RAC Car Insurance Reviews

  Ratings based on 50 reviews       Last review 4 months ago    
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RAC car insurance reviews on Smart Money People come from drivers like you! You can read these honest RAC car insurnance reviews to help you decide which car insurance provider is right for you...and your car! For example, read through our review to...

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RAC car insurance reviews on Smart Money People come from drivers like you! You can read these honest RAC car insurnance reviews to help you decide which car insurance provider is right for you...and your car! For example, read through our review to find out how good the claims process. And remember, if you've used RAC before, you too can write a short RAC car insurance review here to help other drivers. Smart Money People is the UK's leading financial services review site. Together, we can help us to increase trust and transparency in financial services.

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RAC Review Insight

What are people saying in their reviews?

Customer Service

67% of feedback is Process related

Customer profile

Top Age Profile: 55-64

Top Channel Preference: Online

Your Car Insurance Reviews

50 reviews

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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.... Read more

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.

Reviewed on 4th December 2020
Aniol Llorente-Saguer's avatar
Aniol Llorente-Saguer
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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... Read more

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!

Reviewed on 27th November 2020
A Belfrage's avatar
A Belfrage
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Ebola would be more preferable

This telematics system is pathetically inept. Punished for breaking... I shit you not. Speaking in private car parks...

Reviewed on 18th November 2020
Paul Morton's avatar
Paul Morton
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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... Read more

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

Reviewed on 17th July 2020
B's avatar
B
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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... Read more

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.

Reviewed on 1st May 2020
Colin Morton's avatar
Colin Morton
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Insurance issue

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

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.

Reviewed on 21st April 2020
Tyler's avatar
Tyler
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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... Read more

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!

Reviewed on 7th March 2020
aliy's avatar
aliy
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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... Read more

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!

Reviewed on 15th October 2019
Mariana Edreva's avatar
Mariana Edreva
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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... Read more

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!

Reviewed on 15th October 2019
Mariana Edreva's avatar
Mariana Edreva
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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... Read more

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

Reviewed on 13th September 2019
Helen HRdman's avatar
Helen HRdman
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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 ... Read more

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 ??

Reviewed on 25th April 2019
Gordon Allen's avatar
Gordon Allen
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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... Read more

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.

Reviewed on 15th April 2019
Mr C.'s avatar
Mr C.
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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... Read more

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

Reviewed on 26th February 2019
Christopher's avatar
Christopher
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Cheapest on comparison

Trusted brand, communication great so far, hopefully I’ll never have to make a claim and test their customer service.

Reviewed on 29th November 2018
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Cf
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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... Read more

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!

Reviewed on 19th September 2018
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Daredare
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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 ... Read more

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!

Reviewed on 16th September 2018
Mrs A Greensill's avatar
Mrs A Greensill
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Rip Off

After cancelling insurance because they where quoting 50% more than LVC insurance for a change of car They charged me £55 cancellation fee. Absolute rip off and will never use this company again.

Reviewed on 18th August 2018
John's avatar
John
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Very helpful

Very helpful customer service representatives.

Reviewed on 23rd July 2018
nbrad1234's avatar
nbrad1234
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Great insurer

Easy to sign up, very good price and for the first time ever my quote for this year gone down!

Reviewed on 17th July 2018
steven young's avatar
steven young
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Terrible service

You will spend forever on hold trying to speak with anyone. You will have to listen to endless information before you even get put on hold. You will be subject to huge premium increases every year. You will subjected to endless calls from ambulance... Read more

You will spend forever on hold trying to speak with anyone. You will have to listen to endless information before you even get put on hold. You will be subject to huge premium increases every year. You will subjected to endless calls from ambulance chasers when making a claim. A truly terrible company to deal with.

Reviewed on 11th April 2018
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Ian
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