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RAC: Car insurance reviews

Name: Car insurance
Rating: 1.82 (181 reviews)

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1.70

Based on 181 reviews, last reviewed 28th May 2025

No new 5 star reviews

in the past 90 days

75% 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.

RAC Car insurance reviews (181)

Review of the RAC, Car insurance:

Horrendous customer experience

I chose to insure my car through rac they weren't the cheapest but having such a good repuatation I decided to go with them, they asked me for proof of my 2 years no claims discount via email (no phone calls or letters at all) so I could only provide 1 year after the insurer (Churchill who were very helpful and I shouldn't of left) gave me my proof no problem the company before however I couldn't get in touch with to prove the other year. So I accepted that my premium would probably go up with rac as I couldn't prove the other year I found this totally reasonable. Rac however cancelled my policy told me they were no longer able to insure me, refused to give me my £81 deposit back due to the fact they had already insured me for a month (although my insurance was only £60 a month) but I decided to accept that. What I was not willing to accept is they wanted £122 for 'services' and a £55 cancellation fee even though it was them who decided they no longer wanted to insure me. I am a very reasonable person with that I asked if they could reinstate my policy with a higher premium to allow for the no proof of no claims again they said no, the only option to them was for my to pay my 'fees' then get a brand new policy from them in which I would've had to pay my deposit again in full. Why they think anyone would do this is beyond me as it means I would've of paid them over £200 in the space of a month for basically nothing! Technicalities aside they have been awful, so unhelpful they manager I spoke to did nothing but keep repeating himself saying 'it's not our fault' that to them is obviously a reasonable way of dealing with their customers, without which they would have no business. I would never give rac another penny of my money this was such a minor issue that we could of resolved between us but unfortunately I am now currently in the process of speaking to trading standards and claiming money back for my lengthy phone call where I achieved nothing. Myself and my whole family have cancelled our breakdown cover with them and I am working with my bank to ensure these obscene charges cannot be taken. I myself work for a huge company (a very well known one) and if we ran our business this way I would expect to not have one left. Customer service goes a very long way and greed is unfortunately going to cost this company. If they can afford to lose customers this way good luck to them! Reviewed on: 20th March 2017

AVOID THIS INSURER

Tried to claim for windscreen damage after flying debris put deep scratch in line of vision. Told that this was not covered as it was WEAR AND TEAR ! They were however very happy to repair privately for £440. Tried to complain but just got sent round in circles. Very poor service. Reviewed on: 5th September 2024

Customer service

Excellent customer service and attention to detail Reviewed on: 4th September 2024

Completely transparent!

Everything I was concerned about was explained fully. Straight talking and great customer service. Options to pay monthly discussed. Reviewed on: 4th September 2024

Excellent service all round.

Excellent service all round. And very pleasant to deal with. Reviewed on: 24th August 2024

Easy to deal with very friendly and helpful,good value

Easy to deal with very friendly and helpful,good value Reviewed on: 23rd August 2024

As advertised.

As advertised. No major surprises Reviewed on: 23rd August 2024

Good service everything done at right time

Good service everything done at right time Reviewed on: 23rd August 2024

RAC - Rates Are Criminal

They seem to think that because my wife's car was stolen in 2022 that they could increase my premium from £303.94 to £470.56 for her to be a named driver in my policy and when I said I'll take her off the policy, they hit me for a further £54.32. I did make the mistake of not reviewing the details through a compare website so initially didn't realise that I'd overlooked her claim. I'll take that on the chin, a genuine oversight on my part. When I wanted to change my cherished plate back to the vehicle's original one, £25.00, some companies don't charge, RAC do, it's in the T's&C's of course, seems ridiculous since it's all automated but they try and explain it in their gobbledygook insurance speak. When I needed to change to a newer vehicle, they wouldn't quote so I cancelled which cost me another £45.00. so unless you've got a very mature money tree in your back garden that needs pruning, ignore any cheap looking quote from RAC insurance, it's only cheap until they invoke a clause that helps them empty your wallet or chop down the money tree. Reviewed on: 18th April 2024

Theyre terrible, they use 3rd party companies to run...

Theyre terrible, they use 3rd party companies to run their claims, they say they have cotacted us but zero emails, or telephone calls, avoid at all costs, do not use they are shockingly bad. Just can't put into words how we feel and we will never use ths company again. Dont say you have not been warned. Reviewed on: 1st March 2024

DO NOT USE RAC Insurance THEY RIP YOU OFF.

DO NOT USE RAC Insurance THEY RIP YOU OFF. In November 2023, I called on behalf of my mother to see if she could claim for an accident to her car (nothing to do with her) and was informed we were not able to claim, so we didn’t. Then in Feb 2024, I then called to change the policy to a new smaller car and was informed that it couldn’t happen as the was an outstanding claim, then followed 25 to 30 hours of telephone calls between the RAC Customer Services, Claims, Liability, Underwriters & Acromass…….. But no one knows what anyone else is doing, I chased and had it confirmed there was no claim Acromas let RAC know 2 or 3 times, the RAC connected Acromas and it was confirmed again, but no one at the RAC communicates they haven’t a clause what the other departments are doing, and leave it up to the customer to try and sort. The RAC is very quick to take your money but do not do anything for it, just a bunch of insurance fraudsters!! DO NOT USE RAC INSURANCE!!!! Reviewed on: 13th February 2024

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