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RAC: Car insurance reviews

Name: Car insurance
Rating: 1.89 (194 reviews)

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1.89

Based on 194 reviews, last reviewed 1st May 2026

100% increase in 5 star reviews

in the past 90 days

50% decrease in 1 star reviews

in the past 90 days

16%

73%

Latest highest rating:

5

I have problem with changing new car , call to custo... I have problem with changing new car , call to customer service and speak with, Acksha ,she help me so much and explain everything perfectly , first ... Read more Reviewed on: 1st May 2026

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 (194)

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

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

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