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RAC: Car insurance reviews

Name: Car insurance
Rating: 1.82 (181 reviews)

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1.70

Based on 181 reviews, last reviewed 28th May 2025

No new 5 star reviews

in the past 90 days

67% decrease in 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

Pathetic customer service Chose RAC due to great reviews, trustworthy, great response times. First time using them to report a car that wouldn't start. Unable to speak to an ac... Read more Reviewed on: 28th May 2025

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About this product

RAC Car insurance reviews (181)

Review of the RAC, Car insurance:

Worst insurance company - ever

I could honestly not say worse things about this company if I tried - RAC wanted to charge me 550 pounds more because I now have a UK driving licence - it is apparently 550 pounds cheaper to drive on an international driving licence than change to a UK one. I still have my International drivers so why do I need to change? Because I do not want to change and am legally allowed to drive on my international for another year RAC wants to cancel my policy and charge me 75 pounds to do it. You must be kidding me! Further the consultants slipped up and I now have proof of this company lying via my phone record which I will make public should they not sort this mess out. Keep it simple and do not use this company! Reviewed on: 21st October 2016

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

They cancelled on wrong grounds

RAC cancelled my car insurance on the grounds that the black box was not fitted before 31/08. But it was fitted on 29/08! Even worse: they forgot to communicate it to me. Now they refuse to acknowledge their mistake and take responsability! Insane. They can't be trusted. Reviewed on: 4th December 2020

Worst insurance co. to deal with. Avoid

Good competitive quote last year, about £200. Early this year my catalytic converter was stolen. I enquired about a claim and was told if I do the car (23 year old BMW) would be written off. So, no claim. Renewal this year was for over £600. What? I changed company! I have been sent a Proof of No Claims Discount document. It included Accidental Damage and it was at fault. I had not made a claim. Customer services agreed. Acromas, RACs insurer, assured me “Theft” was on their records. Customer services then agreed theft is on theirs too. But, I cannot get the RAC to send me an updated correct Proof of No Claims. I am presently stuck with Proof of No Claims Discount with the wrong info, and successive emails to customer services yields no reply. AVOID! Reviewed on: 27th November 2020

Ebola would be more preferable

This telematics system is pathetically inept. Punished for breaking... I shit you not. Speaking in private car parks... Reviewed on: 18th November 2020

Avoid at all costs - take money without permission then take ages paying it back

My daughter had black box insurance through them. She rang to inform them that she didn't want to renew (as even though she had scored roughly 95% all year she received no discount for safe driving as promised). They still renewed the policy, and charged over £700 from the credit card used the prior year. Although they confirm that they have a record of her declining the renewal they are taking over a week to refund the money. Customer services staff are clueless and rude. The policy itself was ridiculous, she was penalised for driving after 6pm and also for driving in 30 zones. Nobody is coming to remove the black box which they installed in the engine so I can only assume it will continue using her battery. Utter joke. We will be cancelling our roadside assistance too as don't want to have any further dealings with this company Reviewed on: 17th July 2020

Not interested in lockdown customers

Admiral insurance just gave my wife (and all their customers) a £25 refund due to their claims being lower than usual in lockdown. When I asked RAC to cancel my insurance I was charged £40. I was told this was completely unavoidable. I know where I will be going next time. Reviewed on: 1st May 2020

Insurance issue

Disgusted at the way my mother has been treated with her RAC car insurance. Took out a few months ago then had a letter so say there was a problem with her policy and need to ring to sort it. Rang RAC car insurance to be told dont worry theres nothing on the system and no problem with the insurance. She was told to "ignore the letters" then has a letter to say her insurance will be cancelled in the next couple of days. Again, another phone call which they say she put in a claim in 2016 but they couldn't tell her what it was for so said she will have to ring her insurance for the year 2016 bearing in mind shes had no problem in the years after 2016. Rang her old insurance which they have no record of a claim because it never happened. They have said they will over ride the insurance cancellation but will have to pay £300 to keep the policy which will be refunded if she can prove there was no claim. So meanwhile I am sorting the paper work out from her old insurance to send to RAC to prove this! Shocking customer service and really don't care about the customer. Reviewed on: 21st April 2020

The worst car insurance ever!

The worst car insurance ever! Don't use them. They will cancel your insurance suddenly in a rude way no matter whether it's your fault, and deduct hundreds pounds cancellation fee! The black box is a nightmare, don't go with it, it's faulty no matter how good your drive is you never get good score! Avoid them and use others! Reviewed on: 7th March 2020

Disaster!!!

Please avoid this company, courtesy car was included in the rac breakdown and car insurance policies. When our car breakdown I called them to book mechanic, we was waiting all day, without updates, you need to call them to check. They transfer the calls to someone else, which wasn’t helpful. Booked courtesy car, and the booking was confirmed twice. Went to pick up the courtesy car, and and I was told the booking wasn’t confirmed in their system. I call rac to check what is going on, they was telling me the booking was confirmed, and after few phone calls with different people, courtesy car wasn’t provided. Very bad experience with this company, and they charge you £110 p/m for that and can not help at all when you need them! Reviewed on: 15th October 2019

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