Write a review

RAC: Car Insurance reviews

Name: Car Insurance
Rating: 1.82 (180 reviews)

View other RAC products

1.71

Based on 180 reviews, last reviewed 23rd Jan 2025

100% decrease in 5 star reviews

in the past 90 days

No new 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

I STRONGLY advise people not to insure a car with Ra... I STRONGLY advise people not to insure a car with Rac I joined solely on the quote of £411 I Paid for the year Then was charged a extra £128 I wish I ... Read more Reviewed on: 23rd January 2025

Read all reviews See your review

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.

RAC Car Insurance reviews (180)

Review of the RAC, Car Insurance:

RAC will rip you off. Don’t trust, (TrustPilot)

Sucks you in for a good price!. Once renewal is up, they charge you triple!! Also TrustPilot will remove your negative reviews against RAC! Reviewed on: 9th January 2025

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

Would not even recommend RAC to an enemy

Wouldn’t recommend it to my worst enemy. Staff are clueless and have no communication with one another and gave me 3 different ETA. With little updates. I had to call them personally to get updates Made me wait almost 4 hours on my own at night time on the motorway. Disgusting service, lied about not being able to book a taxi prior to mechanic being on the way but 3 hours later they booked a cab with no mechanic on the way. AVOID RAC AT ALL COSTS! Reviewed on: 15th September 2021

Terrible Company

Absolutely the worst company to insure your car with - AVOID AT ALL COSTS. Completely uninterested in your requirements basically 'the computer says, no' Was charged £55 cancellation fee for being 3 days without a car - they would not allow me to keep my cover until my new car arrived. I would never insure with them ever again. Reviewed on: 3rd September 2021

Disabled driver unfriendly

On the 23rd of August Not only did it cost £135.22 to cancel my insurance for the 31st August they canceled it straight away so I am a disabled driver lifted without a car for 8 days Reviewed on: 23rd August 2021

Just awful!

My mother needed to swap her insurance to a new vehicle and was currently insured by RAC. Even though she's been a loyal customer and has 40+ years no claims she was informed that her insurance payments would more than double from £320 a year to £680 even though the new car was a more recent year, had a smaller engine, and was less tax. When we asked what the early cancellation fee on the policy was we were told that she'd already overpaid and when the cancellation fee was taken into account she would still receive a refund of £27.50. So basically they would double her insurance to stay and pay her to leave early. Needless to say we found cheaper insurance for the new vehicle on compare the market with a different insurer, which was about the same amount as she had originally been paying and cancelled RAC early. What sort of joke of a business is this? Avoid!! Reviewed on: 10th August 2021

International Postgraduate Student Experience

International Student Experience after only 2 weeks with RAC. Signed up for black box insurance for Citroen C4. When installed, all the electrics went wonky setting it to km and French. When told about it, RAC said it wasn’t their fault and I had to simply deal with it. Proceeded to go back on their contractual agreement and demanded more money or they would cancel my insurance. So many numbers and long waits on hold just to be told there was nothing that can be done. Would not recommend and cancelled after 2 weeks despite all the ridiculous cancellations fees. Reviewed on: 5th August 2021

Lied about it being illegal to leave insurance running

I contacted RAC insurance when I had less than 1 month left to run on my insurance to advise them that I had now taken out my new insurance with another company. I told them to leave the policy to expire but they told me that this was illegal!! and that they would have to cancel my insurance and charge me a cancelation fee which came to over £100. I pointed out that it my be illegal to make two claims for the same incident but not to hold two lots of insurance but the insisted that they were going to cancel and charge me, which they did. So it has cost me over £100 to have a moths less insurance cover!!! I would strongly advise to look elsewhere as if this is how they operate I dread to think what would have happened if I had needed to make a claim!! Reviewed on: 26th June 2021

Complete joke! Avoid

My car insurance was up for renewal, so I went onto compare the market. RAC wasn't the cheapest, but came in second. Hadn't heard of the 1st option so thought I would stick with some reputable (MISTAKE). Disclosed 2 claims on my policy 1 x storm damage & 1 x Non fault( this one went to court & took 18mths to resolve). Anyway set it up online, had a letter a couple of weeks in basically saying your Non fault accident doest appear on the insurance database in the correct format. Sent proof if not received your premium will increase ( appx 18.00 extra a month). So I contacted my old insurers who were great, they sent me an email confirmation Non fault etc. Forwarded it onto rac, which you have to wait 5 days for them to process. Had an email back after 5 days asking I make contact. Rang them, I was told the proof isn't good enough, I could of edited the letter and changed the wording. Plus the email didn't confirm who the underwriter was! So I rang my old insurers again, they sent it again ...also sent one direct to RAC to cut out the middle man (ie me). 5 days later email from RAC asking I call them. Email not good enough, needs to be on a PDF not zip file. I asked when they get the proof they are happy with, will the refund of recalculate my payments ( as whilst all this was going on they took a higher payment). I was told, no guarantee your payment will revert back to the original quote, insurance prices change all the time! How does that work out? Needless to say I was getting even more wound up. So I contacted my old insurers, they said they can't believe how ridiculous RAC are being. I said don't bother emailing me,please must send a hard copy letter, on headed paper - clearly showing you are the underwriters etc. I finally got the letter. Sent it to the RAC, Had to wait 5 days for a reply ,( I actually chased it up on the 5th day). Was told to leave it with them and they will email me, they did confirm they were satisfied with the letter. I had an email later that day , no apology- just confirming the payments. Needless to say I won't be using them again after my policy finishes. Reviewed on: 29th April 2021

Avoid! Overpriced and incompetent.

They renewed my policy without asking and charged £400. A week later, no refund and I'm told I'll have to wait another 2 weeks because of an agent 'error'. Same policy with Direct line for under half. That's what you get for being a loyal customer. Reviewed on: 29th April 2021

Took money without permission

Cancelled car insurance. 3 months left in policy been with them at least 2 years. Said £50 cancellation fee so I paid by card . 2 weeks later they take £81.63 out of my account rang today they say it’s correct as I’d had the insurance for 9 months. I’d paid all 9 monthly payments on time . Even paid an admin fee when I added another driver earlier in the policy. My monthly payment S were only £36.54. Also when someone ran into the back on me they were less than helpful in processing claim. Reviewed on: 28th April 2021

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

Car Insurance
from Axa 2.69 from 160 reviews
Car Insurance
from Swiftcover 2.74 from 46 reviews
Breakdown Cover
from Co-op Insurance 3.86 from 2 reviews

There's still more to see!

RAC has a range of products available. Check the ratings of each product to find the right one for you. 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