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RAC: Car insurance reviews

Name: Car insurance
Rating: 1.89 (189 reviews)

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1.90

Based on 189 reviews, last reviewed 31st Oct 2025

75% decrease in 5 star reviews

in the past 90 days

100% increase in 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

Appalling service I had taken out insurance with RAC Online - believing that RAC was a reputable company - how wrong was I. I had the policy for around 5 months when I... Read more Reviewed on: 16th October 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 (189)

Review of the RAC, Car insurance:

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

The cheapest but still wildly expensive

The cheapest deal but still outrageously expensive. Despite having another year of no claims under my belt when I came to renew my insurance this year the only quotes I could find were all at least £100 more thank last year. Reviewed on: 25th August 2023

Awful

Put my renewal premium up hugely despite not making a claim, sent me a really offhand email telling me that despite paying by Direct Debit monthly for years and years I would now have to pay the whole amount in one go (nearly £1600). Talk about not reading the room and helping their clients in a difficult economic environment. Happy news is I got insurance for £900 elsewhere with the facility to pay monthly, so the RAC were not only rude and dismissive they were also just plain greedy. Not ever using them for anything again as they couldn't care less about customer loyalty. Reviewed on: 23rd August 2023

Good car insurance

Not made claim. Good value car insurance as required. Reviewed on: 23rd August 2023

Best deal

Tried a lot of companies this was the best and cheapest deal as the previous company wanted nearly twice as much because of my age which isn’t fair Reviewed on: 22nd August 2023

Clear cover

Easy to understand cover for your car and really good when there is a problem that needs sorting out. Reviewed on: 14th August 2023

RAC and Underwriters Makerstudy problems

These companies are frauds, they're both telling me different things and have been for weeks until I started asking for information in writing form. Just be aware they're problematic and even though they're contracted with each other they don't communicate with each other. Reviewed on: 18th July 2023

Efficient

I have not had to make any claims during my time insured by the RAC but when I have had to make policy amendments the process has been easy. Reviewed on: 17th July 2023

Avoid at all costs

Just cancelled policy after 3 months cover as they tried to rip us off for 2 x £25.00 admin fees to amend the policy. The original premium was £246. and we’re getting a refund of £48. Their cancellation fee is £56 (another rip-0ff?) which means we’ve paid a premium of £142 for 3 months cover (when a full year was only £246). AVOID THIS COMPANY AT ALL COSTS. Reviewed on: 16th July 2023

One of the best around

Hassle free car insurance with a established company Reviewed on: 14th July 2023

Bad car insurance company

If could I would give them 0 starts I have arranged to do the cancellation over the phone with the customer service. Everything agreed they would take the money out from the direct debit account within 7 days from my partner account. which was really appreciated by me and my partner as we had a joint car insurance for that car. After 2 weeks I received an increase of £25 on my cancellation fee plus the amount owed After talking to then on the phone still wanted me to pay the increase. GREEDY and conning company never use them again I would not recommend to anyone regardless of what the situation Find a new quote get another insurance company to provide you cover Reviewed on: 12th July 2023

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