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RAC: Car Insurance reviews

Name: Car Insurance
Rating: 1.85 (175 reviews)

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1.74

Based on 175 reviews, last reviewed 24th Sep 2024

500% increase in 5 star reviews

in the past 90 days

500% increase in 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

The absolute worst insurance company I've ever been... The absolute worst insurance company I've ever been with. I had to fight for a copy of my policy and was questioned why I wanted it. Online chat 'Anth... Read more Reviewed on: 24th September 2024

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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 (175)

Review of the RAC, Car Insurance:

The cheapest but still wildly expensive

The cheapest deal but still outrageously expensive. Despite having another year of no claims under my belt when I came to renew my insurance this year the only quotes I could find were all at least £100 more thank last year. Reviewed on: 25th August 2023

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

Avoid

If you miss a direct debit - they charge you £20, I have been off sick from work since March and struggled to pay this month's insurance ( I had made 2 changes to the policy last month so had an extra £50 in charges) - I chatted to them to explain I had been off and that I could pay the £70 odd outstanding today and that going forward I will pay on the 29th of the month as I have started a new job, all was going OK and then the lady said RAC & BISL have decided you can't afford monthly payments and have cancelled the policy with immediate effect. I was shocked. I ended up having to pay a deposit with another company and go elsewhere, I will never use RAC or BISL again. Reviewed on: 27th September 2022

Reliable company

Reliable company with helpful customer service. Reviewed on: 27th September 2022

Covea/rac

Top rip-off stay away from them both Reviewed on: 8th September 2022

Terrible company

DO NOT Use this rip off company, you will regret it. Worst customer service I have ever experienced, charge £35 admin fee for a slight amendment to the policy. Insisted on a black box being installed within 2 weeks or the policy would be cancelled, but the installation company kept failing to turn up for the fitting appointment. Followed up with aggressive letters and emails from RAC stating the policy will be cancelled with immediate effect for not getting the box installed. RAC insurance is the worst and deserves minus stars. I will never ever use these crooks again. Reviewed on: 6th September 2022

black box policy - they charge you for the service they CANNOT provide.

I purchased black box insurance through RAC as they are (I thought) a trustworthy and repeatable company. As per the policy you must have the box fitted by their engineers within 14 days. You must book this online, however they had no availability (AT ALL) on the portal they provide, so I selected suitable dates and the portal advised they would be in contact to fit the box when availability came up. They failed to get a date for the box to be fitted (lack of provision/availability on their side) I made multiple attempts to book via the portal with no luck. They then sent notice of cancellation, so I emailed them (as the phone lines take approximately 40 minutes to get through and I work during their working hours) I got no response. I managed to get through on the phone one evening (they ended up answering after their closing time) to be told this lack of availability was a common problem, nothing they could do, they will begin the complaints process on my behalf, please call tomorrow???? My policy has been cancelled by them, I had to fight for a full refund, threaten action via an ombudsman if they did not refund me. I managed to get an almost complete refund for my policy after a lengthy phone-call. I will still refer this to the ombudsman as it is huge issue if they cannot provide a service that is required for the policy, and are penalising their customers for this. Fight for your money back and do not blindly agree to the charges. I will say the people I spoke to on the phone were really helpful and sympathetic when I did get through, that's the only positive of this entire experience. Reviewed on: 6th September 2022