Write a review

RAC: Car insurance reviews

Name: Car insurance
Rating: 1.82 (180 reviews)

View other RAC products

1.72

Based on 180 reviews, last reviewed 23rd Jan 2025

No new 5 star reviews

in the past 90 days

100% decrease 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

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

Read all reviews See your review

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 (180)

Review of the RAC, Car insurance:

Shockingly awful

Called them to submit details about my own claim. Extremely unprofessional claim handler not knowing any law and procedures he should follow- I’m a claim handler myself for a different company so I’m aware how the process looks like. Didn’t want to take any information from me saying he won’t even leave a note on the file that I called. I was in so much disbelief for a second I thought I’m not talking to claims handler- had to ask him if it’s really his job title as he acted like he absolutely couldn’t be asked to do his job. I am patient and very much aware how stressful this job can be but this experience was extremely shocking. Reviewed on: 31st January 2024

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 never joined I have cancelled auto renewal Never again will I use Rac insurance Reviewed on: 23rd January 2025

RAC will rip you off. Don’t trust, (TrustPilot)

Sucks you in for a good price!. Once renewal is up, they charge you triple!! Also TrustPilot will remove your negative reviews against RAC! Reviewed on: 9th January 2025

Unreasonably increasing the premium

Unreasonably high premium quoted for our replacement vehicle. Following the total loss of our car in the accident (non fault claim) , I purchased a new vehicle and requested an updated insurance quote from RAC. The premium quoted was significantly higher than similar policies offered by other insurance platforms. This increase appears unjustified despite our request for an explanation, and I would appreciate a detailed reasoning for this pricing discrepancy. I have repeatedly raised this matter over the past months, but no resolution has been provided. Instead, I have been referred from one department to another without any department offering a precise or satisfactory response. This lack of accountability and clear communication is deeply frustrating. Reviewed on: 6th January 2025

Avoid like the plague this is DIY insurance!

Avoid like the plague this is DIY insurance! My car was hit by a buss, the driver left contact info Arriva accepted responsibility, I have that in writing. RAC only log claim then you have to deal with underwriter yourself. The underwiter then required me to write to Arriva myself to get my excess back. Now I have an email from the underwriters solicitor asking for all the details of the claim again because Arriva have not coughed up. This is now 6 months later and my insurance is top for renewal and I have been warned that I will not be able to get insurance elsewhere and my premium will be higher because the case is closed. I HAVE A LETTER FROM ARIVA ACCEPTING RESPOSIBILITY AND I GOT THAT 6 MONTHS AGO! Reviewed on: 12th December 2024

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 Fee (ISF). These fees were buried in the T&Cs and feel completely unjustified. The lack of flexibility and transparency is shameful. I expected much better service from such a well-known company. When I questioned these charges, their customer service agent, Alicia, was unhelpful and dismissive. A truly disappointing experience. I certainly wouldn’t recommend RAC to anyone seeking fair and reasonable car insurance. Reviewed on: 10th December 2024

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 'Anthony' cut off my conversation when i was trying to get to the bottom of the extra charges. They have charged me twice the amount I should have been charged and not issued a refund they were supposed to. I've contacted them about 20 times trying to sort this. I give up. Waste of space! Reviewed on: 24th September 2024

Stay away

the worst insurance company and very bad customer service stay away from these thieves Reviewed on: 17th September 2024

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

Don't use RAC online insurance

I helped a neighbour to purchase RAC online insurance. The purchase went fine but a day later they requested documents to be sent which we scanned and sent but three days later they cancelled stating that they had not received the documents despite email was sent to the same email requesting it. In the chat they said they never read their emails!. Please don't use this insurance Reviewed on: 7th September 2024

AVOID THIS INSURER

Tried to claim for windscreen damage after flying debris put deep scratch in line of vision. Told that this was not covered as it was WEAR AND TEAR ! They were however very happy to repair privately for £440. Tried to complain but just got sent round in circles. Very poor service. Reviewed on: 5th September 2024

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

Alternative products

Car insurance
from Howden 4.34 from 33 reviews
Car Insurance
from Legal and General 4.84 from 5 reviews
Car Insurance
from echoice 3.00 from 3 reviews

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