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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)

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

Breakdown cover is great

All our family get this cover and it has proven to be reliable this year Reviewed on: 16th October 2016

Best Car Insurer I've dealt With

Having dealt with some terrible car insurance companies, I was really pleased to set up my policy with RAC. They have always been a reputable company, so to have the cheapest policy with them via a comparison site, is great. It was easy to set up online and they didn't even ask for my NCD proof! Would definitely recommend. Reviewed on: 30th August 2016

great cover

They provide great insurance cover and are reliable Reviewed on: 14th August 2016

administrative incompetence

Took out car insurance with RAC after finding their quote cheapest from "compare the market.com". Taking out the policy online was simple and straight forward. Problems started 3/4 of the way through the policy when we changed our bank account. Every direct debit was switched over automatically - or so we thought. We received a letter from RAC saying our policy would be cancelled immediately if we didn't pay. Rang up and made a direct payment by Credit Card and ensured they had the correct bank details and direct debit mandate - they had. Next month exactly the same thing happened! Another phone call and an apologetic reply. I thought everything was settled. Received another letter demanding payment. Paid the remainder of the policy by credit card and told them not to renew the policy at it's expiry. Found cheaper insurance with Direct Line. All done. I then find out the RAC policy had been renewed and money taken. Can't repeat the words used in the phone call. Total Incompetence, hate to think what would have happened if I had to make a claim! Reviewed on: 21st July 2016

The most reliable car insurance going nothing else compares.

They provide good services, reliable and speedy service. Reviewed on: 16th June 2016

Very Satisfied Customer

When it was time to renew my car insurance I did what most of us do and go to a comparison site for the best deal, RAC wasn't the cheapest but as I usually pay by monthly installments they offered one of the best interest rates and with the additional bonus of getting RAC roadside assistance for a few pounds extra a month I thought this was the best deal by far. Reviewed on: 11th November 2015

Overall good customer service but terrible company policies.

Last week I had 2 causes to contact the RAC car insurance. We were insured with them already. The first thing was that I needed to enquire regarding adding business insurance to my car insurance. They wanted to charge me a £25 admin fee plus and extra £3 per month! Not worth it. The second time was when we bought a new car. We were going to have 2 cars. Because we needed to change over the no claims policy to the new car (2 save £400 across the 2 cars they still charged us an extra 25 pound fee. We also had to pay a deposit on the policy we already had as they had to start it 'again'. Polite but crazy charges. Reviewed on: 9th August 2015

VERY NICE COMPANY TO USE

I LIKE THE SERVICE VERY WELL THEY DO A GREAT JOB OF THERE SERVIES. I WILL TELL MY FRIENDS ABOUT THEIR COMPANY. Reviewed on: 13th April 2015

reliable and friendly service. highly recommended

If I have ever had to phone them for a query or change details on my policy they have been both pleasant and helpful. They will answer all my questions politely and do not make me feel inferior. I have not had to make a claim on my insurance so I cannot review how they would handle it but they make me feel confident that it would be handled professionally and courteously. Reviewed on: 26th March 2015

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