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RAC: Car insurance reviews

Name: Car insurance
Rating: 2.78 (209 reviews)

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2.78

Based on 209 reviews, last reviewed 16th Sep 2026

600% increase in 5 star reviews

in the past 90 days

300% increase in 1 star reviews

in the past 90 days

18%

70%

Latest highest rating:

4

Excellent service. Excellent service. Does exactly as required Reviewed on: 2nd September 2026

Latest lowest rating:

1

Cancellation costs are a joke Sold the car a month after renewing insurance. They want £90 in fees plus £93 for 4 weeks insurance to cancle on a £30 per month policy. Discusting. C... Read more Reviewed on: 16th September 2026

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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 (209)

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

RAC insurance is worst car insurance company

I had hit and run accident called RAC the agent did not understand my safety and wellbeing horrible insurance company the name of the claim handling company is Carpenter from Liverpool call centre worst customer service. Reviewed on: 11th February 2024

Crash / bang / wallop - avoid

Avoid at all costs - car renewals will increase from 450 to over 2200. They will renew your documents before the date automatically. You want be able to access any documents through the app - and your complaints will not be heard by anyone competent. Allegedly accidents will be placed on your records that you don’t know about and they depending on who you speak to will not disclose any information about the insurance database - they are a non advisory organisation but will charge you for legal cover and a insurance service they can’t provide. Fos to follow. Reviewed on: 9th February 2024

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