Write a review

Newsletter

Go to business site

RAC: Car insurance reviews

Name: Car insurance
Rating: 2.28 (196 reviews)

View other RAC products

2.28

Based on 196 reviews, last reviewed 2nd Jul 2026

100% increase in 5 star reviews

in the past 90 days

33% decrease in 1 star reviews

in the past 90 days

16%

73%

Latest highest rating:

5

I have problem with changing new car , call to custo... I have problem with changing new car , call to customer service and speak with, Acksha ,she help me so much and explain everything perfectly , first ... Read more Reviewed on: 1st May 2026

Latest lowest rating:

1

Impossible to cancel auto renew car insurance It's impossible to cancel their autorenual car insurance. Reviewed on: 2nd July 2026

Read all reviews Write a 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.

Review RAC: Car insurance now

Help others make smarter decisions by sharing your own experience.

Write a review

RAC Car insurance reviews (196)

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

£160 to cancel an unneeded auto renewing RAC policy.

I was a couple of days late cancelling a long-held auto-renewing vehicle insurance policy with the RAC. The vehicle had been sold. The cancellation fee was £160! I was charged almost £200 for 18 days of cover, which I did not need. So think again if you're considering buying a RAC autorenewing insurance policy. Reviewed on: 22nd April 2023

Fined by Rac Insurance

I have held motor insurance with Rac for nearly 2 years. I missed a direct debit payment which was my fault, but I didn't know I'd missed a payment neither my bank or Rac told me. 10 days later I received an email saying my insurance was going to be cancelled in 2 weeks. Again no reason given. I logged into my account and while battling through adverts to find the reason why, I couldn't find out. I rand the contact number and got through after 38 minutes. They told me why. I immediately paid. And they fined me £25 for the honour. This is my last year with rac for any of their products Reviewed on: 8th 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

Car Insurance
from iGO4 4.02 from 3 reviews
Car insurance
from Quotemehappy.com 2.08 from 123 reviews
Car insurance
from Privilege 2.35 from 87 reviews

Want to see more from RAC?

Personal Loan
from RAC 3.92 from 6 reviews
Travel Insurance
from RAC 3.84 from 1 reviews
Breakdown cover
from RAC 1.85 from 211 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