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RAC: Car Insurance reviews

Name: Car Insurance
Rating: 1.82 (180 reviews)

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1.67

Based on 180 reviews, last reviewed 23rd Jan 2025

No new 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

I STRONGLY advise people not to insure a car with Ra... I STRONGLY advise people not to insure a car with Rac I joined solely on the quote of £411 I Paid for the year Then was charged a extra £128 I wish I ... Read more Reviewed on: 23rd January 2025

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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 (180)

Review of the RAC, Car Insurance:

Customer service

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

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

Gave up after eight hours stranded

When it went wrong, it went badly wrong. First (and last) time I called them out it was 11.30pm in November in a city centre multi storey car park. They didn't phone to check my details or location for 4.5 hours, then there was nobody available to come out. At 7am I was told someone MIGHT be out to me in the next 90 minutes. Lone female stuck in a freezing car park overnight and I wasn't a priority. After eight hours I gave up on these clowns and will be writing to find out why they can't meet a basic service. Avoid at all costs. Reviewed on: 18th November 2022

Competitive Rates

Real people at the end of a phone to speak with and helpful they also answered promptly Reviewed on: 4th November 2022

£25 fee address change

Have to change address on my car insurance policy. 25£ fee for that? Very expensive Reviewed on: 30th October 2022

Worst insurance company

The weirdest insurance. please don't buy insurance from them Reviewed on: 28th October 2022

Rac insurance they are thifts

They are thifts ,my and my friend have the same isuue with them ,first they take your money and after they call you to say was a mistake and the insurance need to increse so stay far away from this insurance company. Reviewed on: 17th October 2022

Renewal up by 25%, painful to cancel

Wish I'd read these reviews before signing up with them. 12 years NCD and they raised my premium from 234 to 290. Been trying to cancel for 20 mins now. Their website says you can cancel online but the options not there, surprise! So you have to call, after 3 mins of irrelevant pre-recorded message, now on hold for 15 mins. This is one of those companies that makes you jump through hoops to cancel in the hope you'll give up. Reviewed on: 1st October 2022

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