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RAC: Car insurance reviews

Name: Car insurance
Rating: 1.87 (188 reviews)

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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

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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 (188)

Reliable company

Reliable company with helpful customer service. Reviewed on: 27th September 2022

Covea/rac

Top rip-off stay away from them both Reviewed on: 8th September 2022

Terrible company

DO NOT Use this rip off company, you will regret it. Worst customer service I have ever experienced, charge £35 admin fee for a slight amendment to the policy. Insisted on a black box being installed within 2 weeks or the policy would be cancelled, but the installation company kept failing to turn up for the fitting appointment. Followed up with aggressive letters and emails from RAC stating the policy will be cancelled with immediate effect for not getting the box installed. RAC insurance is the worst and deserves minus stars. I will never ever use these crooks again. Reviewed on: 6th September 2022

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

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