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RAC: Car insurance reviews

Name: Car insurance
Rating: 1.82 (181 reviews)

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1.69

Based on 181 reviews, last reviewed 28th May 2025

No new 5 star reviews

in the past 90 days

80% 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 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 (181)

Appalling service - dishonest and disinterested. Avoid.

My daughter took out a car insurance policy with RAC. A couple of weeks after setting this up they contacted her to say that it was cancelled with immediate effect because of an undeclared and unresolved claim against her. In fact this was entirely incorrect and was due to an error by her previous insurer (Admiral) who had said they would remove it from their records and then failed to do so. She contacted Admiral who contacted the RAC to confirm this fact. She the asked RAC to restart her policy as this had clearly been an error. They said they could not restart a cancelled policy but would have to quote on a new one - which they did for a cost 3 or 4 times more expensive than the one just cancelled. When she asked why they said it was because she had a cancelled policy - which she did: cancelled by themselves because of provenly incorrect data sent by another insurer! The computer said no and that was that. They agreed to refund her money but did so minus £250 which they said they could charge because of this - totally unnecessary- cancellation. When she complained a few days later the person she spoke to agreed that in the circumstances they would refund the amount. This never materialised and when she enquired was told that this person should not, in fact, have authorised it and it had been cancelled. After issuing a further complaint she was told they would look at it again and get back to her in 6-8 weeks - which, of course, they have not done. I wrote to them on her behalf as well but have not even had the courtesy of a reply. Basically, they have misappropriated £250 of her money due to an error in the information sent by her previous insurer which that insurer very promptly confirmed. Disgraceful service and I would urge anyone to think very carefully before giving their business to such a company Reviewed on: 13th September 2019

Complete farce of a back office

Totally screwed up dealing with a simple change of car details with a short gap in between selling the old car and taking delivery of the new. This was corrected by a very competent team leader and agent in Peterborough in late March (a genuine ‘well done’ to them as they were superb). But the Basingstoke back office finance department have been chasing me daily 24 and 25 April for a non-existent debt and telling me the policy has lapsed ... I have twice responded to them with a call following their urgent text to me, and twice the agent has been incapable of talking sense, Twice I have asked them to log a formal complaint and have a manager call me back urgently ... and twice now, NOTHING has happened. No call, nobody to take responsibility and no apology for the massive distress these texts, calls and apparent policy cancellation have caused me. What is wrong with these people ?? Reviewed on: 25th April 2019

Avoid at all costs - arrogant beyond belief

Dreadful service, arrogant advisors and unhelpful. You may trust the RAC name but don't under any circumstances think it applies to their insurance policies. They have no intention of helping you if you claim - they simply dump you on their shoddy insurance underwriters (who are a disgrace) and absolve themselves of all responsibility when you need them most. Reviewed on: 15th April 2019

Ridiculous arrogance, Cash cow public, AVOID at all cost's

Bottom line 3 years with them and quoted £860 for 1.6 diesel, 43 year old with 6 years no claims, i was quoted £190-£280 MAX by 5 other insurers with better policies ! i saved over £500 with one free call RAC was trusted brand, not now, as insurance broker they are disgusting, £30 charge for every phone call ever made, they dont insure you, they punt you out and charge another £100 on top, plus the £30s for any call, one internet search will save you 100s, if you like yourself dont renew your policy, i lapsed last year and was going to be £200+ to cancel policy, on reflection i would NEVER put another £ in there hands, they dont make any effort to get you a competitive Quote, they are cynical and unwilling to help at any level, take a day and save yourself the hardship of a Poor service provider Reviewed on: 26th February 2019

Cheapest on comparison

Trusted brand, communication great so far, hopefully I’ll never have to make a claim and test their customer service. Reviewed on: 29th November 2018

Shocking service

What a terrible company - I have had a company car for years and no claims at all! Due to car allowance I have leased a car. Despite Lex providing details of my No claims; RAC would not accept!!!!! They claim it’s not valid so I asked to cancel and they stated it would take effect at midnight that day. Instead they cancelled it at 15:30 putting me and my vehicle at severe risk. Would not recommend- try LV! Reviewed on: 19th September 2018

RIP OFF

After buying another car (7 years younger than current one and no bigger - going from Fiat Punto to Vauxhall Corsa), I go to swap my RAC insurance to the new car to be told it will be over £100+!! more for the year? So I go to cancel and am told I'll be charged a £50 cancellation fee PLUS £24 admin fee, so as you can imagine, hardly worth me cancelling. But hey RAC!! you won't see me for dust this time next year. You rip people off. I've just searched like for like quotes on Meerkat and found I could have my insurance at my current price for the size of car I have brought. I am appalled companies like you can get away with daylight robbery! This is the last you will see of me! Reviewed on: 16th September 2018

Rip Off

After cancelling insurance because they where quoting 50% more than LVC insurance for a change of car They charged me £55 cancellation fee. Absolute rip off and will never use this company again. Reviewed on: 18th August 2018

Very helpful

Very helpful customer service representatives. Reviewed on: 23rd July 2018

Great insurer

Easy to sign up, very good price and for the first time ever my quote for this year gone down! Reviewed on: 17th July 2018

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