Write a review

RAC: Car Insurance reviews

Name: Car Insurance
Rating: 1.84 (176 reviews)

View other RAC products

1.74

Based on 176 reviews, last reviewed 10th Dec 2024

100% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

14%

75%

Latest highest rating:

5

Customer service Excellent customer service and attention to detail Reviewed on: 4th September 2024

Latest lowest rating:

1

Beware of hidden Car Insurance cancellation fees I purchased a car insurance policy with RAC that hadn’t even started, yet they charged me a £45 cancellation fee and an outrageous £45 Insurer Service... Read more Reviewed on: 10th December 2024

Read all reviews See your review

About this product

At Smart Money People, we collect RAC car insurance reviews from genuine RAC customers to help you make an informed decision when choosing your next insurer.

RAC was founded in 1897, best known for its breakdown cover. The company offers a range of car insurance policies, including pay-by-mile, temporary, learner driver, young and new drivers, and classic car insurance. Check out our RAC car insurance reviews to see how genuine customers rate these policies.

Everybody’s requirements for car insurance are different, so consider what’s most important to you before choosing a new provider. Perhaps you want a basic third-party level of cover for the lowest cost? Or maybe you want a fully comprehensive cover with additional add-ons. Whatever your needs, find out how satisfied existing customers are by reading the RAC car insurance reviews on Smart Money People.

Have you had a car insurance policy with RAC? Share your experience with our Smart Money People community to help other drivers just like you. Together, we can help people like you make better decisions. Did you have any experience with RAC’s customer service team? Did you have any issues arise throughout the term of your policy? How well were these problems dealt with? Were you satisfied with the level of cover you received for the price of the policy? Leave an RAC car insurance review today.

RAC Car Insurance reviews (176)

Review of the RAC, Car Insurance:

Renewal increased by £400 for no reaso

My renewal came in after 2 years with RAC. They increased by £400 to £1150. I have not claimed or contacted them in the year. I have 9 years NCB and increased for no reason. Many will auto review and get completely ripped off. Shameful and criminal. I shopped around and got insured with less excess for £550. When will insurance companies be held to account. Reviewed on: 10th September 2024

Worst Insurance company

Worst Insurance agency i ever had.very Poor customer service. You will never get to know what they really want from you. Always send notification of cancellation exceeding the date so that they can take extra money from you by saying different things.If you want to upload a document they need to charge you huge amount. Really disappointed with their service. Reviewed on: 19th January 2023

Misleading poor customer service

They don’t take responsibility. Customer service is average. They use a 3rd party company soo they can pass the buck. Only get the black box if your planning to renew or manage your driving. otherwise it’s not worth it. You have pay for the black box to be removed. Which they hide in their small print. Good luck fellow drivers. Reviewed on: 18th January 2023

Terrible customer service

I had a 2 month nightmare trying to get fair treatment after my parked car was damaged by drunk driver. RAC use a company called IMS to deal with your claim. They are impossible to get hold of either by phone or email. RAC do not help. Left me with no claim payment or courtesy car 2 days before Xmas. Reviewed on: 13th January 2023

Never insure your car with RAC

I had an accident on M1 last Thursday 15th December. My car is still in the car pound ( 8 days later )where it was towed to. No one knows where it’s going, or when . I was told today will not be in a garage till probably New Year. When they can decide what garage to send it to. Despite paying for a courtesy car I can’t have one till it gets to the unknown garage and then only if they have one available. So will have been without a car for weeks . Also despite paying to protect my No claims bonus ,( I have 8 years ) have been told I will lose it as my car skidded on ice and went out of control . Takes ages to get through on the phone and then no one can help you. I used RAC because I thought it would be a reliable good company if I ever needed to claim on my insurance. How wrong was I ? Never insure your car with this company they are absolutely rubbish . I would give minus 1 if possible . Reviewed on: 23rd December 2022

Expensive cancellation policy

I was insured for just a months and I sold my car. When I wanted to cancel it I had to pay £94 cancellation fee which is far too high. So, my insurance for just 5 weeks cost me £220.00. Also, cancellation cannot be done online so, I had to call, wait for 20 minutes and cancel the policy. Absolutely disgusted with it. Reviewed on: 23rd December 2022

Complete waste of money and massive increased stress

So my tyre burst on Sunday evening. Called RAC at 18:50. Assistant found my location, took details. Told me it would be at least an hour and a half. Text message cane through saying 180 minutes. It was pouring with rain so I pulled car well off road and sat in the passenger seat. At 21:55, text came through saying “ We're sending one of our drivers to rescue you. We'll be in touch shortly with the details.”. Then another text at 11pm “ Sorry if you're still waiting. It's very busy but one of our drivers will be with you as soon as possible.” That was the last text until Wednesday afternoon “ Just to confirm, we're now working to get a local RAC patrol to you”. A friend collected me and to me home before midnight. I was freezing and very scared sitting by myself on the side of the road. On calling and updating RAC, the person said they MAY be able to send someone earliest 1:30 Monday morning. I was given a ref number. After many calls holding for more than 30 minutes a time. I had a voicemail come through sometime during early hours of the morning say she hoped I was somewhere warm, dry and safe. I finally got hold of a gentleman at RAC on the Monday morning. He said they were still working on getting me rescued. I was really upset on the phone and he did apologise. In the meantime, I called a tyre man who came out on Monday and changed the tyre. It took 10 min and has cost my money that I really did not have. I am extremely grateful to R&R Tyres for their help. Late yesterday I had a call from the RAC breakdown man who informed me he was on his way to my location to rescue me! There will be a massive complaint going in to RAC and Hastings Direct. I am not sure I can easily forget my experience. Reviewed on: 22nd December 2022

If you want to make a claim process as difficult as you can for yourself, definitely go with the RAC

Rang to report a non fault accident. Then had to ring the underwriters myself and go through all the details again. Then the same with the motor legal protection team. When trying to call back with further information it took one week and around 100hrs on hold, getting through to agents that put you on hold and cut you off. I have full comprehensive insurance with courtesy car yet still am no closer to getting a courtesy car than I was a week ago, my car hasn't been recovered. One week and they've done nothing. Avoid like the plague. They don't pass information on to the other companies they want you to use so each call is like a first time you've called about it all over again. All this whilst dealing with broken bones, concussion and a banging headache is the last thing you want (trust me on that one) Reviewed on: 12th December 2022

Exceptionally poor customer service and communication, significantly more expensive as well

I had a telematics policy (black box) with them which was working fine if expensive. Then I had an isolated speed warning which led to the policy being cancelled despite explaining it was an emergency with an ill family member on an empty road. Neverthelss I thought fair enough it is in the policy. Then several weks later get landed with a random cancellation fee that was completely unexplained with no communication to me about breakdown and they had already passed it on to a debt collection agency rather then asking for payment directly. I obviously ended up paying anyway but still with no clear written communication about the amount. No response to complaint I put in after waiting 7 working days. Would throughly suggest no-one signs on with them. Reviewed on: 9th December 2022

Their business is stealing your money by quietly jacking up premiums.

The business is set up purely to steal from hard working people and families. I was paying £46 per month for my car insurance. They auto renewed my new insurance at a rate of £428. this is totally unacceptable. when I queried this hike I was fobbed off by customer service. When they were meant to escalate the complaint, the phone was Hung up. This is a corrupt business practise. Do yourself a favour and look elsewhere for a respectable and reasonable cover policy. Reviewed on: 9th December 2022

Do NOT waste yr money

Terrible company. Cancelled insurance policy 2 wks ago still no refund and been to,d today another 8-10 working days… They take yr money and don’t return it Reviewed on: 23rd November 2022

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

There's still more to see!

RAC has a range of products available. Check the ratings of each product to find the right one for you. 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