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RAC: Car insurance reviews

Name: Car insurance
Rating: 1.83 (193 reviews)

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1.83

Based on 193 reviews, last reviewed 17th Mar 2026

100% decrease in 5 star reviews

in the past 90 days

50% increase in 1 star reviews

in the past 90 days

16%

73%

Latest highest rating:

5

I had a issue with my car msg appeared on the dash o... I had a issue with my car msg appeared on the dash of my BMW " traindrive " the rac sent a mechanic who accused me of calling out for nothing. He sai... Read more Reviewed on: 31st October 2025

Latest lowest rating:

1

Scammers, charge you for no fault claims I am insured on my Dad's car policy, I have made NO CLAIMS whatsoever for many years now but someone ran into the back of me and I claimed on THEIR in... Read more Reviewed on: 17th March 2026

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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 (193)

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

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

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