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RAC: Car insurance reviews

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1.78
Based on 185 reviews, last reviewed 5th Sep 2025
300% increase in 5 star reviews
in the past 90 days
No new 1 star reviews
in the past 90 days
See only 5 star reviews
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7%
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1%
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3%
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74%

Latest highest rating:

5

Using compare sites I found RAC competitive with add... Using compare sites I found RAC competitive with added features which was included within the premium whereas other sites added these to the standard ... Read more Reviewed on: 5th September 2025
Jean D's avatar
Jean D

Latest lowest rating:

1

Highly disapointed with RAC you go with these compan... Highly disapointed with RAC you go with these companies because the brand, so I exported my car had insurance with RAC for 2 years in the the next yea... Read more Reviewed on: 23rd July 2025
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Brett Taylor
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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 (185)

Rac insurance

5
Very good would recommended to anyone cheap insurance Reviewed on: 1st August 2017
Josh Shilvock's avatar
Josh Shilvock

Confusing

2
RAC seem to be the only insurance company who specify that the NCB is in the name of the main driver rather than the policyholder. This caused no end of problems when I was shopping around for new insurance and necessitated me cancelling another car insurance policy early so I could use the NCB from that vehicle. So frustrating. RAC are the only company who specify this so it caused unnecessary frustration. Avoid. Reviewed on: 28th July 2017
Helen Swales's avatar
Helen Swales

REASONABLY PRICED INSURANCE

5
Normally companies put up their prices by ridiculous amounts annually once you have bought the initial insurance. RAC were competitively priced the following year and since switching to them have been a satisfied customer! Reviewed on: 22nd July 2017
Anonymous's avatar
Anonymous

Reasonably priced and dealt with my motor accident promptly

4
RAC are relatively competitively priced in the marketplace. Efficient. Was a little disappointed to have calls from other companies within hours of having my accident asking if I had any injuries. How did those other companies get my details so quickly? Reviewed on: 15th July 2017
Helen Fowler's avatar
Helen Fowler

Dissatisfied

1
Changed my car to my husband's rang to change car and they hiked the price £140 more than my husband paid even though all details and cover were the same. Then had the cheek to charge me £55 cancellation. Disgusting. Reviewed on: 7th July 2017
Jackie Baron's avatar
Jackie Baron

Ridiculous charges

1
My first policy was £201 they ask for your driving licence and I said I had been driving for 20 years in actual fact I had been driving for 19 years 11 months so I got a charge which bumped the price up to £300 they then asked for my no claims discount proof so I sent it and an auto email said all received about a month later a letter came through from the third party finance company saying my policy had been adjusted and I know owe £795 slight jump from the initial £201 so I phoned them up and they stayed that I hadn't sent them my no claims discount even though I have the email to clarify I had sent it any way because of all the hassle and extra charges I said I won't to cancel the policy as they where just stealing my money on the paper work it states cancelling your policy would run another charge of £65 but when my cancellation fee came through it was £192 absolutely disgusting so I have now cancelled my insurance and also my breakdown cover because of the thieves Reviewed on: 21st June 2017
Anonymous's avatar
Anonymous

Ridiculous charges

1
My first policy was £201 they ask for your driving licence and I said I had been driving for 20 years in actual fact I had been driving for 19 years 11 months so I got a charge which bumped the price up to £300 they then asked for my no claims discount proof so I sent it and an auto email said all received about a month later a letter came through from the third party finance company saying my policy had been adjusted and I know owe £795 slight jump from the initial £201 so I phoned them up and they stayed that I hadn't sent them my no claims discount even though I have the email to clarify I had sent it any way because of all the hassle and extra charges I said I won't to cancel the policy as they where just stealing my money on the paper work it states cancelling your policy would run another charge of £65 but when my cancellation fee came through it was £192 absolutely disgusting so I have now cancelled my insurance and also my breakdown cover because of the thieves Reviewed on: 21st June 2017
Anonymous's avatar
Anonymous

Rip-off price for renewal of insurance policy

1
I took out car insurance with the RAC a few years ago after another company hiked up the price by 40%. The RAC hiked up the price by 47% this year (same car as before). I looked on Moneysupermarket and found that if I took out a new policy with the RAC, the price would be 40% cheaper than the quote I received for renewal. Nobody at the RAC could explain this, and when I tried to speak to a manager, I was told they wouldn't discuss this with me. I have not made any claims on the policy, have a clean driving licence and have been driving for over 40 years. Clearly the RAC have no respect for their customers and think they will gain from inertia. It's time someone stopped this terrible business practice. Reviewed on: 9th June 2017
Melanie Hare's avatar
Melanie Hare

Good value

4
I insured my car with RAC car insurance A good price and good service. Reviewed on: 30th May 2017
Kathy Amis's avatar
Kathy Amis

Shocking thieves

1
After one month with these cowboys I have cancelled my insurance. Firstly they asked for my driving licence on the form I put 20 years driving experience however it was on 19 years 11 months experience this then cost me £65. Then they asked for proof of my no claims bonus sent via email and received a thank you email from them so all well and good until I received an email from the finance company stating my monthly payments will now be £61 per month and not £21 per month. This was because the no claims bonus was supposedly the wrong form utter rubbish as my current insurer stated that it could be used for my no claims bonus. See to stop this I have now cancelled my insurance for a further cost of £75 THIEVES THE LOT OF THEM STAY AWAY. Reviewed on: 16th May 2017
Stuart's avatar
Stuart

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