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RAC: Car insurance reviews

Name: Car insurance
Rating: 1.89 (190 reviews)

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1.93

Based on 190 reviews, last reviewed 25th Jan 2026

75% decrease in 5 star reviews

in the past 90 days

100% 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:

2

RAC auto renewed our policy RAC ‘auto renewed’ our policy, without telling us - we had already got alternative insurance. Cancelling RAC insurance is a real pain to do! Reviewed on: 25th January 2026

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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 (190)

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

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

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