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RAC: Car Insurance reviews

Name: Car Insurance
Rating: 1.82 (180 reviews)

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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

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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

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

Terrible service

You will spend forever on hold trying to speak with anyone. You will have to listen to endless information before you even get put on hold. You will be subject to huge premium increases every year. You will subjected to endless calls from ambulance chasers when making a claim. A truly terrible company to deal with. Reviewed on: 11th April 2018

Waste of time

Filled in details online. Obtained quote of £377.08. Tried to pay having put in purchase date - and suddenly 'the site was closed due to maintenance'. Rang up - 10 minutes listening to drivel before I got to an adviser. Lots more sales chat - finally confirmed the quote of £377.08 and eventually go to the payment part - and I was then told. 'The price is £553 - OK?' Hang on - what ... No explanation for the huge price hike, just told 'That's now the price...' No explanation for not honoring the quote which on screen I was told was valid for today. He just kept saying - 'That's the price - OK? No - that's really NOT OK! Disgraceful! Will not buy any RAC products from now on. Reviewed on: 5th December 2017

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