Write a review

Go to business site

RAC: Car insurance reviews

Name: Car insurance
Rating: 1.87 (188 reviews)

View other RAC products

1.83

Based on 188 reviews, last reviewed 16th Oct 2025

400% 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

satisfactory Easy to deal with and the price is not too bad. As yet no drawbacks Reviewed on: 20th September 2025

Latest lowest rating:

1

Appalling service I had taken out insurance with RAC Online - believing that RAC was a reputable company - how wrong was I. I had the policy for around 5 months when I... Read more Reviewed on: 16th October 2025

Read all reviews Write a review

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.

Review RAC: Car insurance now

Help others make smarter decisions by sharing your own experience.

Write a review

RAC Car insurance reviews (188)

Exceptionally poor customer service and communication, significantly more expensive as well

I had a telematics policy (black box) with them which was working fine if expensive. Then I had an isolated speed warning which led to the policy being cancelled despite explaining it was an emergency with an ill family member on an empty road. Neverthelss I thought fair enough it is in the policy. Then several weks later get landed with a random cancellation fee that was completely unexplained with no communication to me about breakdown and they had already passed it on to a debt collection agency rather then asking for payment directly. I obviously ended up paying anyway but still with no clear written communication about the amount. No response to complaint I put in after waiting 7 working days. Would throughly suggest no-one signs on with them. Reviewed on: 9th December 2022

Their business is stealing your money by quietly jacking up premiums.

The business is set up purely to steal from hard working people and families. I was paying £46 per month for my car insurance. They auto renewed my new insurance at a rate of £428. this is totally unacceptable. when I queried this hike I was fobbed off by customer service. When they were meant to escalate the complaint, the phone was Hung up. This is a corrupt business practise. Do yourself a favour and look elsewhere for a respectable and reasonable cover policy. Reviewed on: 9th December 2022

Do NOT waste yr money

Terrible company. Cancelled insurance policy 2 wks ago still no refund and been to,d today another 8-10 working days… They take yr money and don’t return it Reviewed on: 23rd November 2022

Gave up after eight hours stranded

When it went wrong, it went badly wrong. First (and last) time I called them out it was 11.30pm in November in a city centre multi storey car park. They didn't phone to check my details or location for 4.5 hours, then there was nobody available to come out. At 7am I was told someone MIGHT be out to me in the next 90 minutes. Lone female stuck in a freezing car park overnight and I wasn't a priority. After eight hours I gave up on these clowns and will be writing to find out why they can't meet a basic service. Avoid at all costs. Reviewed on: 18th November 2022

Competitive Rates

Real people at the end of a phone to speak with and helpful they also answered promptly Reviewed on: 4th November 2022

£25 fee address change

Have to change address on my car insurance policy. 25£ fee for that? Very expensive Reviewed on: 30th October 2022

Worst insurance company

The weirdest insurance. please don't buy insurance from them Reviewed on: 28th October 2022

Rac insurance they are thifts

They are thifts ,my and my friend have the same isuue with them ,first they take your money and after they call you to say was a mistake and the insurance need to increse so stay far away from this insurance company. Reviewed on: 17th October 2022

Renewal up by 25%, painful to cancel

Wish I'd read these reviews before signing up with them. 12 years NCD and they raised my premium from 234 to 290. Been trying to cancel for 20 mins now. Their website says you can cancel online but the options not there, surprise! So you have to call, after 3 mins of irrelevant pre-recorded message, now on hold for 15 mins. This is one of those companies that makes you jump through hoops to cancel in the hope you'll give up. Reviewed on: 1st October 2022

Avoid

If you miss a direct debit - they charge you £20, I have been off sick from work since March and struggled to pay this month's insurance ( I had made 2 changes to the policy last month so had an extra £50 in charges) - I chatted to them to explain I had been off and that I could pay the £70 odd outstanding today and that going forward I will pay on the 29th of the month as I have started a new job, all was going OK and then the lady said RAC & BISL have decided you can't afford monthly payments and have cancelled the policy with immediate effect. I was shocked. I ended up having to pay a deposit with another company and go elsewhere, I will never use RAC or BISL again. Reviewed on: 27th September 2022

Do you have a different RAC product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Are you a business? Get insights, reply to reviews, invite customers and understand their needs

Alternative products

Cycle Insurance
from ETA Insurance 1.64 from 5 reviews
Taxi insurance
from Acorn Insurance 4.87 from 72 reviews
Car Insurance
from Nationwide 3.70 from 17 reviews

Want to see more from RAC?

Personal Loan
from RAC 3.92 from 6 reviews
Breakdown cover
from RAC 1.48 from 173 reviews
Travel Insurance
from RAC 1.00 from 1 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub