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RAC: Car insurance reviews

Name: Car insurance
Rating: 1.88 (192 reviews)

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1.88

Based on 192 reviews, last reviewed 12th Feb 2026

100% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

16%

73%

Latest highest rating:

5

I had a issue with my car msg appeared on the dash o... I had a issue with my car msg appeared on the dash of my BMW " traindrive " the rac sent a mechanic who accused me of calling out for nothing. He sai... Read more Reviewed on: 31st October 2025

Latest lowest rating:

1

AVOID ! SHOCKING CUSTOMER SERVICE AVOID !!!! Shocking Customer service with an online car insurance policy. Changed my contact details and they told me as it is online they can not he... Read more Reviewed on: 12th February 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.

RAC Car insurance reviews (192)

Review of the RAC, Car insurance:

Valuable car insurance

Not the cheapest but seems good value, even if they don't provide my breakdown insurance. Reviewed on: 12th August 2022

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

Avoid like the plague

They simply don't care or do anything for their customers. Complete wastes of space. Reviewed on: 23rd October 2023

Rubbish

If I could give minus stars I would Despicable, service, rip-off, money, grabbing vultures stay well away do not use RAC Insurance For anything. I had a policy and then I changed my car. to a VW transporter van, no commercial van every day family vehicle type van with six seats. In the past when I have changed vehicles midway through a policy to be no problem and I’ve been able to do it, I may have been charged a very small admin fee but I could do it. Oh no, no no no not with these rip-off vultures they gave me no choice but to cancel my policy, and then charge me an obscene amount for a cancellation fee As they claimed, they don’t insure the type of vehicle that I wanted to I told them it’s not a commercial van it’s a family vehicle doesn’t matter they were rude on the phone not very helpful. Like I say do not use these guys they are awful Reviewed on: 23rd October 2023

Vile organisation

Don't insure with these. Double your fee after 12 months and hope you don't notice the auto renewal price. Also you would be very lucky to see a penny in a claim. Rude customer service also. And NEVER use the breakdown recovery. They don't exist if you have anything worse than a flat battery. Even then you can be abandoned for 12 hours or more Reviewed on: 19th October 2023

Fair price insurance

Spotted the firm online when my previous insurers wouldn't lower their prices Reviewed on: 14th October 2023

Really bad!

Every expensive No one ever answers the phone App doesn't work, website login never works, telematics don't work. Avoid Reviewed on: 9th October 2023

Inefficient & ineffective

Probably the most inefficient & ineffective insurance company I have ever had the misfortune of giving my money. Takes 6 months to replace glass & disputes the complaint about the time taken & as you have had to chase them, they consider it appropriate communication. Then with another claim now 3 months in, caused by a third party where CCTV footage, clearly showing the vehicle registration of the car that hit my stationary car overnight have done NOTHING at all because the third parties insurance company hasn't picked up the phone. I wish I had used the insurance company of the party that damaged my car...... At least they are trying to protect the no claims bonus of a drugged up driver, clearly rolling a joint & smoking it on camera. Reviewed on: 5th October 2023

NOT the RAC you think it is

not the RAC, you think it is just some rip-off insurance companies Trading under that name AVOIDE Reviewed on: 3rd October 2023

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