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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

£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

R.A.C home insurance is a scam t

THE R.A.C THEY ARE NOT A GOOD INSURANCE CO. THEY WERE BUT NOT ANY MORE.as a break down service that also have gone down hill the min for a break down is 3 hours and the insurance is worse they take your money you have a problem you get the repair done they then tell youthey will not pay the claim i am 75 and barely walk and they do not care as long as they get themoney every month. please read this review and i urge you do not take out rac. ins i have been an rac member for 43 years now i am looking to change to another breakdown company they do not want loyal customers if they did they would look after me in all aspect of insurance. Reviewed on: 19th March 2023

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

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