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RAC: Car insurance reviews

Name: Car insurance
Rating: 1.86 (185 reviews)

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1.78

Based on 185 reviews, last reviewed 5th Sep 2025

300% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

15%

74%

Latest highest rating:

5

Using compare sites I found RAC competitive with add... Using compare sites I found RAC competitive with added features which was included within the premium whereas other sites added these to the standard ... Read more Reviewed on: 5th September 2025

Latest lowest rating:

1

Highly disapointed with RAC you go with these compan... Highly disapointed with RAC you go with these companies because the brand, so I exported my car had insurance with RAC for 2 years in the the next yea... Read more Reviewed on: 23rd July 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.

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RAC Car insurance reviews (185)

never buy insurance

Would never buy or recommend RAC insurance for you or your friends. Initially, they provide information misleading you to buy the cover. Later, they will add all charges without contacting the customer and even the cancellation is done by the company. Adding to that, they will even give you cancellation charges. Reviewed on: 17th March 2023

Cheap Insurance but impossible to claim

Attempted to claim for a minor bump, after 5 days and cumulative of several hours in a call queue for their "hotline" had to give up. A phone number that is the only way to claim should be staffed reasonably enough that a claim can be made in a reasonable time period. Reviewed on: 17th March 2023

Being ignored

Following difficulty speaking to RAC claims department I have tried to make a complaint. Despite FIVE attempts have had no response. Anyone at the RAC ever heard of customer service?? Reviewed on: 14th March 2023

WORST INS CO OUT THERE

Do NOT use RAC - they are not a direct supplier so you will be charged for EVERYTHING. Change of bank account - £20 admin fee - missed DD because they messed up the change of bank account - £20 Fee - cancelling insurance because they are rubbish - £55 (yes, FIFTY FIVE) fee. Wish id never heard of them! Reviewed on: 3rd March 2023

A V O I D ! WORST EVER !

Wish I'd read reviews first ! This company is the defi ition of , pay cheap pay twice !! Reviewed on: 2nd March 2023

Worst insurance company ever!!!!!!!!!

I don’t have words at how bad they are!!!! Please avoid at all costs!! Reviewed on: 23rd February 2023

Not even 1 star

Unfortunately can't give minus stars, but these people are crooks and cheats. Do not go near them. The customer service is non-existent. They take your money it's left how these people behind hopefully they'll go under go elsewhere. They are absolutely complete Cowboys Reviewed on: 23rd February 2023

disgraceful - no phone service

been ringing and ringing long waits - no answer to repot non fault damage to my vehicle - neither phone nor email service - deeply worrying if there had been an accident. utterly useless, will be changing asap Reviewed on: 20th February 2023

Do not recommend Worst insurance service ever

My insurance was arranged through rac who use markusstudy who use vision repairs I had an accident on 9th December 2022 it took them till January to take my car to a garage from storage as it is not roadworthy then it had to be assessed and approved which it has been but still no updates as to whether work has started you cannot get a hold of anyone, you cannot get updates they don't update their portal. I am still waiting for a courtesy car which should have been included in my insurance but they didn't. So have to wait for the repair garage to supply one which I was told 6 week wait. I was told last week I was next on list for a courtesy car but still no further updates I have phoned everyday this week I have lost count how many times I have phoned since my accident. Its ridiculous I'm a community Nurse and my car is essential too my job. The courtesy car is non existent. I will never use these services again iv never known anything like it. Its not acceptable and certainly would never recommend Reviewed on: 3rd February 2023

do not trust them

When I wanted to have my insurance, they were so pleased offering. However, when I sold my car and bought a new one, they told me to cancel my policy. Today I called them and discovered I could change my approach for another vehicle. I am a student; I paid 150 for cancellation. This was like stealing! When I told them about this, they told me they were sorry! Don't trust them anyway. Very very unsatisfied with them. Reviewed on: 21st January 2023

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