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RAC Insurance Reviews

2.2 Rating 1,203 Reviews

30 %

of reviewers recommend RAC Insurance

Company Reviews

2.2

Based on 1,203 reviews


Shipping & Delivery
Delivery Methods	Own Driver
Customer Service
Communication Channels	Telephone, Live Chat, Email
Queries Resolved In	Under An Hour
Customer Service	1.4 out of 5
Cancellations & Refunds
Cancellation Process	Difficult

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RAC Insurance 1 star review on 1st December 2023

RAC Insurance 1 star review on 23rd December 2022

RAC Insurance 1 star review on 23rd December 2022

RAC Insurance 1 star review on 27th September 2022

Anonymous

Anonymous // 01/01/2019

Sort by: Most Recent Most Recent Highest Rated Filter: None None 5 Stars 4 Stars 3 Stars 2 Stars 1 Stars Helpful

“I have RAC breakdown Recovery, never claimed for recovery in 44 years, I had a burst tyre and called for recovery they asked if the metal rim of the tyre was damaged I said yes, They said if the wheel rim is damaged it's classed as a Road Traffic Accident and that RAC don't recover if your have damage to the wheel rim. It's classed as a Road Traffic Accident. SO NO RECOVERY.”

Posted 3 weeks ago

“Rac offers a good car insurance deal. That's actually the first time I am using them. So far so good, let's see what the renewal offer will be next year.”

Posted 1 month ago

“Just had my RAC house insurance renewal. Without any explanation and certainly without us making any claims - ever it has increased from £386 to £ 1752. Rang them not even an apology just said that is what it costs. They have now lost that plus breakdown and car insurance. Hope they think it’s worth it. Charlatans”

Posted 1 month ago

“When purchasing a new car I was shocked to find the premium quoted by RAC was three times our previous, despite being for a lower powered car and having been a loyal RAC customer for many years, with 9-year No Claims Discount. It was made clear there would be £45 cancellation fee, which seemed fair enough. Having insured the new car, I contacted RAC to actually cancel the policy to be told that in addition to the cancellation fee all of the additional options (legal insurance, breakdown cover, etc.) had to be paid in full for the year, despite having only used a portion of the policy, with no possibility of transferring any benefits. This may be just how insurance works, but it was not communicated previously and the whole experience felt rigged. I will not use RAC again.”

Posted 1 month ago

“RAC is happy to accept our money for decades of NO CLAIM, however the minute we made our FIRST ever claim, they put on their magnifying glasses on and dig into all proofs, including our personal medical records. Finally it was approved and our damaged car was fixed, however the feeling was terrible as RAC has absolutely NO element of trust on their paying customers. Total disbelief and well focused on their own benefits and financial gains. RAC policies are set SO WELL to make us poor at all time and them get rich. I suppose this is the case for all insurance companies, unfortunately. I recommend do your research, pay less cost for premium and expect better customer service.”

Posted 1 month ago

“Awful. My renewal is due in 2 weeks. They quoted me 10x. I am fully paid up until end of policy so cancelled my direct debit as I am not renewing. Sent an email with this information. Got a letter today from CEO saying my policy has been cancelled early and there is a cancellation charge! Never again, such an terrible company”

Posted 1 month ago

“I had a good experience purchasing my car insurance today. The customer service representative was polite. Respectful answered all my questions and gave me the time to understand everything about my policy.”

Posted 1 month ago

“I recently renewed my car insurance with RAC as the price went down considerably. During the process, we moved house and I forgot all about it. On the first day of my insurance, I contacted RAC to give my new address. I thought I’d encounter expensive admin fees, like with most other companies I’ve been with - but not a bit of it. In fact I came of the phone with no admin fees and two quid off my monthly payments. This company are the real deal - give them a try people 👍”

Posted 2 months ago

“The RAC CAR INSURANCE QUOTES AFTER GETTING A PRICE WHICH SEEMED REASONABLE WERE HIKED UP IN SOME CASE MASSIVELY AND IT WAS VERY DIFFICULT GETTING A ACEEPTABLE PRICE AS THE FIRST PRICE OFFERED WHEN PROGRESSING MY QUOTE WENT TO A MUCH HIGHER PRICE AND THIS HAPPENED ON A NUMBER OF STRESSFULL TIMES WHEN I TRIED TO GET THE ORIGANAL PRICE QUOTED. WHEN I DID GET A HIGHER PRICE I COULD JUST ABOUT PAY FOR THROUGH EVERY STAGE I HAD TO GET PAST WHAT SEEMED NON STOP EXTRAS TO PUSH MY QUOTED PRICE HIGHER.”

Posted 2 months ago

“On online easy all understand and pay”

Posted 2 months ago

“They have left us in Spain for a month without our motorhome poor back upon in Europe please don’t go with them, we are still here, they never return your calls”

Posted 2 months ago

“What went right? Nothing, it seems that they make the rules up as they go along, they take money for even the simplest of actions, even though the customer does all of the work online and everything their side is automated. Insurance is a legal requirement, RAC insurance use this fact to try and take money at every opportunity, been driving for 32.5 years and this is by far my worst experience, I could go into more detail, just be advised to give them a wide berth, especially if you are on a tight budget. Disgusting behaviour bordering on extortion”

Posted 3 months ago

“Very bad experience and I don’t want to go with this company so they update without permission your policy so be careful”

Posted 3 months ago

“DO NOT TAKE OUT CAR INSURANCE WITH RAC! Problems from the minute I reported an accident (not my fault). Logged incorrect information with regards to the crash, very minimal communication unless I rang them for updates. Very poor customer service. Avoid at all costs!”

Posted 3 months ago

“D0 NOT TAKE OUT POLICY WITH RAC . Good price - but a rip off if any issues . I had RAC car insurance a couple of years ago - in April 2022 i was driving my Wife's car [ as a second driver on her insurance ] when a pheasant flew into the car and dented it - claimed on her insurance [ Aviva ] and had no problems at all . I foolishly decided to inform my insurer [ RAC ] of the above incase of small print about full disclosure etc - they then charged me £105 - i was told it was admin charge plus higher risk ..... CRAZY - I HAVE NOT HAD AN ACCIDENT FOR 20 YEARS .... and how am i a higher risk because a pheasant flys into the car ???? AND , I did NOT claim from the RAC ! NOTE , Aviva put my Wife's policy up by £35 at renewal . Well done Aviva - RAC , YOU ARE A DISGRACE . Don't touch this company with a very long barge pole .”

Posted 3 months ago

“RIPPED OFF by RAC CAR INSURANCE BIG TIME take this as a warning and don't touch this company not even with a barge pole. insured my car for xx£ but than purchased another car. conacted rac to transfer insurance to new car and got robbed blind by these thief's as the doubled the price. if I had cancelled an excess fee was applicable. on comparison sites online I could have had same type of insurance £150.00 cheaper. thief's, crooked, rip-off artist does not do this kind of stealing theft justice. SHAME on you RAC THIEFS”

Posted 4 months ago

“Rude unhelpful a complete Con they wanted to put my insurance up £130 a year so I went with another company when I informed RAC they told me to pay £75 to leave.”

Posted 4 months ago

“We had a gas leak which meant have our gas was shut off (no hot water or heat) and our floors opened up to find the leaking gas pipe. RAC consider this to be an emergency so I tried to make a claim on my emergency policy, which they told us (at first) should be no problem. In the policy t & cs gas leaks are not listed in the exceptions (unlike water leaks). The policy says it covers emergency repairs due to complete failure of gas central heating system or failure of hot water heating. But apparently gas leaks are an unwritten exception and we were told that actually they won't cover us. If gas leaks aren't covered it should say so in the policy t & cs.”

Posted 4 months ago

“Fine if you don't want to change or cancel your policy! I moved house and had to pay a £25 admin fee, despite doing all the work myself. I was then in a situation 3 weeks later where I was changing my car, so they wanted to charge me another £25 admin fee, as well as putting my premium up £15 more a month! I asked if they'd waive the admin fee as a gesture of good will, given I'd only just paid one, but they said no. I decided to shop around and found a better price, so decided paying the £45 (YES £45!!!) cancellation fee working out slightly better in the long run. When I tried to cancel they then added other fees on, seemingly for no reason. I asked via live chat if they could explain where these other fees had come from and the person I was speaking to (Rachael) was so rude to me, just because I couldn't understand where all this extra money had come from. To make matters worse, when I'd enquired about paying the £45 cancellation fee earlier in the week, I was told this would be taken out of my normal direct debit. When I went to cancel it wanted me to pay there and then. I tried asking Rachael about this as well, but she refused to give me an answer on it. I think this company rely on being a household name in order to mess their customers around. I rather naively took out the insurance policy in the first place for that exact reason. Lesson learnt the hard way I guess!!!”

Posted 4 months ago

“Scam insurance company! will not offer you any help even when someone has crashed into you whilst at a standstill. In my case they were unable to find the driver who did it to me and asked me to take on the full excess as well as lose my no claims discount. Pretty much to bully me into closing the claim. they said i will get the salvage amount if i closed the claim to keep my no claims discount and 2 months later they stated the salvage amount was 0. Absolute waste of time and money spent on insurance for three years. Price was ridiculous fromthe start for a 2009 toyots aygo 1 litre”

Posted 4 months ago

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RAC Insurance is rated 2.2 based on 1,203 reviews