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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:

Beware of hidden Car Insurance cancellation fees

I purchased a car insurance policy with RAC that hadn’t even started, yet they charged me a £45 cancellation fee and an outrageous £45 Insurer Service Fee (ISF). These fees were buried in the T&Cs and feel completely unjustified. The lack of flexibility and transparency is shameful. I expected much better service from such a well-known company. When I questioned these charges, their customer service agent, Alicia, was unhelpful and dismissive. A truly disappointing experience. I certainly wouldn’t recommend RAC to anyone seeking fair and reasonable car insurance. Reviewed on: 10th December 2024

Shockingly awful

Called them to submit details about my own claim. Extremely unprofessional claim handler not knowing any law and procedures he should follow- I’m a claim handler myself for a different company so I’m aware how the process looks like. Didn’t want to take any information from me saying he won’t even leave a note on the file that I called. I was in so much disbelief for a second I thought I’m not talking to claims handler- had to ask him if it’s really his job title as he acted like he absolutely couldn’t be asked to do his job. I am patient and very much aware how stressful this job can be but this experience was extremely shocking. Reviewed on: 31st January 2024

I insured my vehicle with this company because of th...

I insured my vehicle with this company because of the name, wrongly thinking they would offer a great service but NO, they weren't interested so gave me the underwriters phone number, WESYBAY, never ever have I dealt with such cowboys, I complained to the RAC as it was them I paid but they couldn't help, Westbay told me my car was a right off without even seeing a photo, when challenged, they said parts were hard to come by given its age, its 12 years old with extremely low milage. October 2023 was when the accident occurred, my vehicle was fixed in January 2024, I was refused a courtesy car, Enterprise then called me to see if they could give me a car but because I had been told it was a fault claim they couldn't offer one either. Neither of us were at fault, the highways confirmed and sent an email confirming that traffic lights were not working, we both left on a green light thus causing the accident, how is this a fault claim? I received a letter which stated I should of taken more care, you go on a GREEN light. I was told to go to Richardsons the nominated garage to see if the car could be repaired, on arrival, I was told by a lady eating crisps on reception that I was early and the surveyor was at lunch, not a problem, waited, tried to make conversation and was pretty much ignored, made to feel like an inconvenience, the surveyor took all of five minutes to look at the car and said he couldn't tell me anything, it was a bumper for goodness sake. I got a quote from an independent garage who were eventually approved after me calling them again for an update, the garage was challenged saying it should be written off, Westbay were told that a payout would be less than the car was worth. Over three months to get a bumper fixed?, I wouldn't recommend anyone to use the RAC and Westbay, their staff do not give out their surnames, not allowed to WHAT? minus 0 out 10 would be given and that is generous Reviewed on: 27th January 2024

Be aware!

Was going to let the insurance continue for a further year but forgot my credit card had changed so they couldn't take the payment. Called them to sort it out but they were so rude and unhelpful I decided to cancel it there and then and sought a new insurer. The policy had ended as I had missed the renewal date but for the next few weeks they were sending me new insurance documents as though I had renewed and at the same time cancellation notices. Clearly one hand not knowing what the other was doing. Mercifully, I didn't have an accident while insured with them. This went on for a few weeks until finally I get a bill for £121.68!! - apparently because I cancelled before the policy had expired?? and for admin fees!! Avoid them like the plague. Reviewed on: 26th January 2024

Cover expired without a 7day reminder being sent.

Fail to send reminder that insurance would expire within 7 days, resulted in no insurance cover. For Daughter's car. Contacted them for new quote, unable to provide coverfrom amy of thier providers, No explanation given at the time.. Poor service provided lost a regular customer. Reviewed on: 23rd January 2024

Avoid RAC they stole money from pensioner bank account

These crooks auto renewed an 84 year old pensioners car insurance without sending a renewal notice. What was £500 for year 2022 was renewed at 1,331 in 2023 despite no change in circumstances or claims. We contacted RAC to cancel the insurance within the 14 day cooling off period as per their term and conditions and was advised it was cancelled on the telephone and a refund was being processed. A few days later we contacted RAC again as there had been no refund or confirmation email of cancellation to be told the insurance hadn’t been cancelled and there was no refund pending. Spoke to manager who said this time they had definitely cancelled the insurance and would receive a refund in the next few days. One day later RAC had taken yet another payment of £1,257. We contacted RAC yet again and was told the money was taken in error. They then refunded the original payment for car insurance but we are still awaiting the refund of £1,257 that was taken in error and all RAC say is the refund is processing that was 6 days ago. The customer service team are rude and argumentative. I’ve scanned every email that came through by RAC and there was 100% no renewal notice. This is Theft. The bank are now involved and have also asked RAC to return stolen money. Avoid RAC. Reviewed on: 13th December 2023

Hit by third party insured with RAC

I'm currently insured with Admiral, but was hit by a third party insured by RAC. My insurance offered me to go through their third party company Auxillis, which informed me my vehicle was a total loss. RAC then contacted me the next day to transfer the valuation amount into my account. Very fast and easy so I could look into getting a new vehicle. Reviewed on: 18th November 2023

Avoid like the Plague

Tried to change vehicles on my policy and told I've to take out a new policy with another provider, and in order to leave to find another myself, I'm required to pay a £100+ exit fee. Complete daylight robbery Reviewed on: 16th November 2023

Joke insurance Co Ltd

I've had the black box insurance for 12 months. Their renewal letter is a 133% increase, a farcical amount. The black box wasn't working at all for four months. When I rang RAC to report they put the phone down twice. In the opening weeks I had 4 letters cancelling my policy and 4 letters saying it wasn't being cancelled. Reviewed on: 13th November 2023

Making changes

This company are a joke, just tried to make a couple of simple changes to a policy (change of address and new job - nothing unusual) with 5 years driving experience and 5 years no claims to be told this can't be done, and also told that I must now cancel the policy, even though it was an enquiry... Avoid unless you know for sure your circumstances won't change.. Reviewed on: 24th October 2023

Absolutely point

How does this company even exist.. had an accident in our car and RAC, who I pay, do not handle the claim or actually know who does. I’d rather pay more and get a better service than deal with these clowns. Reviewed on: 24th October 2023

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