Write a review

Go to business site

RAC: Car insurance reviews

Name: Car insurance
Rating: 1.89 (189 reviews)

View other RAC products

1.91

Based on 189 reviews, last reviewed 31st Oct 2025

75% decrease in 5 star reviews

in the past 90 days

50% decrease 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

Read all reviews See your review

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:

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

Horse SHit

4,985 numbers for a claim. GET F##### Reviewed on: 5th June 2023

Stellar customer service

I explained to RAC that I was struggling with the cost of living and thinking about cancelling my membership. The customer service team were so helpful by offering to help spread my payments, adding deals to my package, and even giving me three months free. 10/10 Reviewed on: 1st June 2023

Appalling service watch for this con.

I made a mistake when applying for insurance. I entered the wrong date of an accident in that I dated the accident July 2020 when in actual fact the accident was September 2020. I also put that I was not at fault as it was a named driver who had the accident. Apparently as it was my policy I am at fault. The premium JUMPED by £358.64 to a total cost of £684.85. I cancelled the insurance. Went back onto an insurance comparison site with the now amended details and who should come up at a price of just under £400. Yes you,ve got it the RAC. So they wanted to charge over £200.00 for an error. I had also paid for my no claims to be protected. Reviewed on: 20th May 2023

Brilliant

Easiest company to use, helpful and friendly. Made it so simple and helped me with every question I had. Made me feel so at ease. Reviewed on: 18th May 2023

Rubbish customer service

Spoke to customer service. Stay well away from this company Reviewed on: 16th May 2023

Avoid the RAC Car Insurance

Truly awful to deal with and after we received our certificate we received a letter stating they would cancel our motor policy unless we paid extra administrative fees which they had added at a later stage. This company needs investigating by some sort of Insurance Authority. Avoid them at all costs. They are very difficult to contact once they get your money. Reviewed on: 13th May 2023

Terrible data management shocking systems to rip people off

If this company was based abroad, I would have thought this was a scan. They charged me £20 as they took the payment form card details from 12 months ago without checking with me the customer. Their responses via email are at best rude and dismissive. Do not use this service, they are shocking Reviewed on: 12th May 2023

Excellent and fast

This company always sorted and helped me in the worse moments I jad to go through with my car. I would absolutely recommend it to everybody! Reviewed on: 11th May 2023

RAC DO NOT DESERVE ANY STARS.

Incident in September 2022 and I’m STILL waiting for car to be repaired. Informed the earliest available appointment to sort car issues is 22 May!! This, despite car being assessed by garage in October…….. Charged £25 admin fee because I failed to tell them I’d taken early retirement! AVOID! AVOID! AVOID!! Reviewed on: 10th May 2023

Unacceptable amount of time to receive money for written off vehicle

Had my car written off in February after it was hit by a driver while parked outside my house. Other drivers insurance have admitted liability. Unacceptable amount of time of 11 weeks on & still waiting for the money owed for my written off vehicle. Spent hours on the phone on hold & being pushed from pillar to post trying to find out what is going on. Cannot get to actually speak to anyone from RAC but instead a company they use called IMS who keep telling me the same thing continuously, that they are chasing the money. Seriously? 11 weeks to chase the money?! I will now be forced to waste yet more time by having to get this settled via the financial ombudsman. I would not recommend using RAC car insurance & would steer clear at all costs, they are not there to help you when you need them to after taking your hard earned money & you will be left with nothing but stress.. Insure your vehicle with any company other than this one. Reviewed on: 26th April 2023

Do you have a different RAC product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Are you a business? Get insights, reply to reviews, invite customers and understand their needs

Alternative products

Motorbike insurance (discontinued)
from Rampdale (inactive company) 5.00 from 1 reviews
Car Insurance
from Fish Insurance 2.00 from 2 reviews
Car Insurance
from Legal and General 4.80 from 5 reviews

Want to see more from RAC?

Personal Loan
from RAC 3.92 from 6 reviews
Breakdown cover
from RAC 1.45 from 183 reviews
Travel Insurance
from RAC 1.00 from 1 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub