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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)

False promises

Had a black box which was sold to me as this would lower my insurance on Renewal if I kept over 30s. I average around 70 Called them as my renewal was more than last year last year 700. This year 1000 they haven’t taken the box into consideration one bit. Which is a shame and a complete con DO NOT BOTHER getting the black box. It WONT reduce ur insurance Reviewed on: 5th February 2022

Complete rip-off!!

RAC deserves minor star. We took up an insurance policy with them on the 14th of January 2022. Despite we have got 5 year unprotected no claim discount, they enforced extra document check on us. We cancelled the policy on the 30th, effective on 1st of February. I have received their refund of £191.62 today out of the £648.11 I have paid for one year’s premium. £456.49 has been deducted for 16 days of cover, what a COMPLETE RIP-OFF!! I have decided to submit my official complaints to the Financial Conduct Authority and the Ombudsman for justice. This company has been blacklisted by me from now on. Xinquan Ou/Freda Ou Reviewed on: 2nd February 2022

Complete rip-off!

Cancelled Policy

Rac is a disgrace. Young girl 18 agreed to her policy took initial payment , fitted back box, sent email to tell us a problem spoke to RAC said they would look into it, heard nothing Black box fitted to car, direct debit took and an email after 3 weeks cancelling policy no reason why. Daughter now can not obtain insurance due to age and cancellation ok previous policy and done nothing wrong. RAC refused to refund money and charge 125 cancellation fee and we never cancelled. DO NOT TAKE INSURANVE WITH THIS COMPANY. Reviewed on: 25th January 2022

Not understanding customer needs, terrible attitude.

I worked in the hospitality sector and was laid off owing to the Covid pandemic. Every other company I've had to deal with regarding this issue were sympathetic and usually had strategies in place, not the RAC. We had to sell one car and tried to explain but the RAC didn't want to know and within days had threatened us with a collection agency. Stay away from this company if you want good customer service, It's worth paying the extra. Reviewed on: 5th January 2022

Disgusted

This is breakdown rather than insurance: Disgusted Absolutely fuming. RAC auto renewed my breakdown on a car I no longer own with no warning. I got a text 3 days later telling me it had autorenewed. No pre warning. I had to register and logon to see the renewal cost was £145 which was double last years price of £75!!! They assume you won’t bother checking . I have 14 days to cancel but have to pay a £25 cancellation fee and can’t cancel for the next 4 days as it’s Christmas and they are shut. Disgusted. Update 01.01.2022 - received an email from the compaints department. They will not refund my £25 as it clearly states in the small print it automatically renews. Not surprised but feel feel cheated. I will never use RAC again. Reviewed on: 1st January 2022

Poor communication

When trying to chase up a claim neither they or their brokers responded to my request of claim details and claim cost despite making a complaint and being told it would be responded to in the statutory 5 days. Totally disinterested in trying to resolve my issue Reviewed on: 1st November 2021

Renewed despite direction not to

Renewed despite direction not to in an email and call, renewal was massivlly high got for 59% cheaper, still ignored me and renewed, hung up on me no no claims sent despite having it and wanted to charge me for less than a days cover, no call back from manager as requested, twitter team also ignored me. so terrible service. Reviewed on: 1st November 2021

They are not interested in helping

I’ve driven my car 300 miles in the last year due to COVID. I know this because I just had my MOT. So when my daughter’s partner had his car written off it made sense to let him use mine. He was not at fault. Sat at home when a delivery driver ploughed in to his parked car. He’s in his 30s, employed as a professional driver. Lots of no claims, no accidents, no convictions. You’d think it’d be a simple admin fee and small increase. Not with RAC. New 12 month policy at double the cost plus an admin fee of £25. Avoid at all cost! Reviewed on: 22nd October 2021

Rubbish service, stay away, don't touch them!

Misled when trying to cancel the policy by customer services when I contacted them to advise that car had been sold. Not told there would be a cancellation fee levied plus a late payment fee for the direct debit being cancelled. Once that had been settled they levied another addtl fee for something else without any advice to me. Reviewed on: 18th September 2021

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