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RAC: Car Insurance reviews

Name: Car Insurance
Rating: 1.85 (175 reviews)

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1.74

Based on 175 reviews, last reviewed 24th Sep 2024

500% increase in 5 star reviews

in the past 90 days

500% increase 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

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 'Anth... Read more Reviewed on: 24th September 2024

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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 (175)

black box policy - they charge you for the service they CANNOT provide.

I purchased black box insurance through RAC as they are (I thought) a trustworthy and repeatable company. As per the policy you must have the box fitted by their engineers within 14 days. You must book this online, however they had no availability (AT ALL) on the portal they provide, so I selected suitable dates and the portal advised they would be in contact to fit the box when availability came up. They failed to get a date for the box to be fitted (lack of provision/availability on their side) I made multiple attempts to book via the portal with no luck. They then sent notice of cancellation, so I emailed them (as the phone lines take approximately 40 minutes to get through and I work during their working hours) I got no response. I managed to get through on the phone one evening (they ended up answering after their closing time) to be told this lack of availability was a common problem, nothing they could do, they will begin the complaints process on my behalf, please call tomorrow???? My policy has been cancelled by them, I had to fight for a full refund, threaten action via an ombudsman if they did not refund me. I managed to get an almost complete refund for my policy after a lengthy phone-call. I will still refer this to the ombudsman as it is huge issue if they cannot provide a service that is required for the policy, and are penalising their customers for this. Fight for your money back and do not blindly agree to the charges. I will say the people I spoke to on the phone were really helpful and sympathetic when I did get through, that's the only positive of this entire experience. Reviewed on: 6th September 2022

RIP OFF

Trying to INFLAT MY PREMIUM BY 50% LIES ABD LIED AND LIED WHEN I HAVE EVERYTHING RECORDED. Trying to take amounts out the bank I was not aware off AVOID AVOID AVIOD - just awful Reviewed on: 30th August 2022

Awful experience with car insurance and renewal

Absolutely APPALLING experience My auto renewal lapsed and I was not informed immediately meaning that I unknowingly drove to work uninsured, when I called to rectify this situation they told me that the only way to fix this was to start a new policy and they would price match it to the agreed renewal quote. Well, the new quote had doubled and so they could not price match apparently! There was no good reason as to why the quote had skyrocketed this way as nothing had changed and even they could not explain this. Subsequently I was stranded in the carpark with no insurance absolutely bewildered as to why I was now being penalised for their administrative error. Through no fault of my own the auto renewal did not go through even though I called 2 days before to confirm and had the emails to back this up, they could not rectify the situation! I was absolutely appalled at how they could try and charge me double after THEIR error! This caused me a lot of stress and I was extremely dissatisfied with the outcome. Only after escalating the situation was I offered temporary insurance for me to drive home, after that they told me to get quotes from a different provider! Rest assured that I will NEVER go with the RAC for anything again and I will absolutely advise my family and friends to do the same. Reviewed on: 20th August 2022

Valuable car insurance

Not the cheapest but seems good value, even if they don't provide my breakdown insurance. Reviewed on: 12th August 2022

(ZERO STARS) Rip-off - Avoid at all costs - car insurance premium increased 38% by auto-renewal

My RAC black box car insurance premium were £420+ annually for the first two years, however I was charged £584 during this year's renewal (38% increase!) This was renewed automatically and charged to my credit card. They claimed to have sent a renewal notice by post, but unfortunately I have moved addresses and did not receive this. It is year 2022 and they are still expecting their customers to read all their physical mails, despite having my email address and mobile number registered to my account. If I were to cancel the insurance, I'd incur a £125 cancellation fee - effectively holding me ransom! Nonetheless, having called their customer service to enquire the basis of the premium increase (the car only ran less than 2000 miles the past year and was without any claim/incident) - they were not able to justify the reason for the increase in premiums (official reason: premium was quoted by the companies they use). I have used a price comparison website at this point and the same RAC policy is being offered to me at £440 (with a few competitors offering similar pricing). I have logged a formal complaint and have been told a formal response will take 4 weeks. In the meantime I will also log a similar complaint to Financial Ombudsman Service and other review forums to warn the public. Despite what is advertised, avoid this company at all costs, it’s just not worth it! Just look at the other reviews on this page.. Reviewed on: 11th August 2022

Appalling

They are impossible to contact, do not reply if you leave a message, claim they haven't recieved information when it has been sent to them multiple times and seem unwilling to perform basic insurance functions such as consider a claim. Reviewed on: 2nd August 2022

Sympathetic

During a claim everything was made clear to me of the process from start to finish. Reviewed on: 26th July 2022

RAC are Crazy don't use them

Had my car insurance with RAC insurance for many years so decided to take the private plate off Mot the vehicle when it's needed in two months then look to sell it as I don't use it very much but with the car insurance due now. I phoned the RAC up to renew my insurance for the year and said that I would probably be selling it after a couple of months after it mot as we don't use it.....Then they said sorry we can't insure you then....WHAT!!! We can't insure you if you know your going to sell the vehicle after a couple of months...... FINE..... Now insured with the AA and as for my RAC cover that we have had for 10 year and never needed well I don't care if the AA are more expensive I will be going with them. NEVER AGAIN WILL WE USE THE RAC. .....RAC VERY POOR SERVICE.... Reviewed on: 25th July 2022

Ridicoulous Charge

My Landord of my house, wishes to sell up, this means i had to find some new place to live, imagine my horror to be told there is an admin charge of £25 to change address. Its all paperless, so its quite clearly a money grabbing excersie, I will simply not renew my policy with them, DO NOT USE Reviewed on: 25th July 2022

DO NOT USE

The worst experience of my life. I insured with a name I had confidence in, after an accident not my fault I’ve had to take a loan to buy the same car because the shocking IMS claim managers are shockingly bad. Heard not a thing for 3 weeks until I finally managed to contact them. RAC do not want to know or help. Useless company. Worst thing I ever did was insure with them. DO NOT USE RAC you have been warned, when you need them you’re on your own. Reviewed on: 20th July 2022

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