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RAC Insurance Reviews

2.2 Rating 1,249 Reviews
29 %
of reviewers recommend RAC Insurance
2.2
Based on 1,249 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 24th December 2024
Andrew
RAC Insurance 1 star review on 4th December 2024
Usman Darr
RAC Insurance 1 star review on 4th December 2024
Usman Darr
RAC Insurance 1 star review on 4th December 2024
Usman Darr
RAC Insurance 1 star review on 27th August 2024
Yeb De Jong
RAC Insurance 1 star review on 1st December 2023
John
RAC Insurance 1 star review on 23rd December 2022
Marie Robinson
2
Anonymous
Anonymous  // 01/01/2019
The anxiety I was carrying was hard to describe. I had been stuck for so long that I almost gave up. Then I read about Resorus online, and the positive feedback pushed me to give them a chance. The quickness of their reply surprised me. Even more surprising was the patience they showed while listening to me. They let me explain everything without making me feel rushed or dismissed. That was the first time in a while that I felt understood.
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Posted 5 days ago
Black box insurance. Cancelled without good reason. RAC say nothing to do with them when their logo is on the insurance. No one to speak with just on line chat with 2 hour wait time. Utter disgrace. Avoid like the plague
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Posted 2 weeks ago
1 star (would give 0 if I could) Disgraceful Renewal Quote, l Switched Immediately. If I could give 0 stars, I would. RAC tried to renew my policy at £792.62 — up from £498.26 last year, with no claims, no changes. Just pure greed. I didn’t waste my time calling them. I cancelled and went with another provider for £425. Always better to shop around — RAC clearly count on people not checking. Loyal customers get ripped off. Avoid. POLICY 137300069
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Posted 3 weeks ago
Like many others here, be aware of extortionate cancellation! I cancelled a recently renewed policy due to selling my car. The resulting cancellation fees were extortionate, £45 for cancellation, £45 non-refundable for intermediary fees (auto-renewal), and a few extra non-renewables on top. I had to pay twice my monthly payment for cover that lasted just over 2 weeks, due to a disgusting number of added costs for what are all automated admin tasks. When discussing this with the customer service team, I was met with flat talk that these fees are in the terms and services, with no empathy or even a hint at a solution besides pay us the money because the contract says so. Utterly disgusted by this and thoroughly unhappy, only gave 2 stars instead of 1 star because some cancellation fees are expected (but this is way too much), and because I can't speak for the cover because I had no claims. Will never use this service again.
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Posted 1 month ago
Terrible company phone them about a repair on a car and just because the cars at home can't come out to following day but i can't drive car due to the fault so this is a break down not good
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Posted 1 month ago
Nothing wrong with the insurance, just brace yourself if you cancel your policy. It was all in the small print but wasn't expecting the very small refund that will go back into the original account, within 7 days. Funny how quickly they can take the money. Total due for period of cover is £18.82 plus an ISF (Intermediary Service Fee) £45.00 = £63.82. Payment received so far = £135.34 minus cancellation fee of £45.00 applied. Balance of £26.52 will be refunded . Not much left for little ole me then, read your small print, its not headlined in the sales pitch but its all there. Also, and very frustrating, why couldn’t I speak to someone in person especially for a £90 cancellation fee!! Had to cancel through a chat line, online. Live and learn I guess.
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Posted 1 month ago
After my withdrawal request was denied, I was unable to access my trading account. In addition to being quite frustrated, I was worried that I would lose my investment in this circumstance. Similar account issues are encountered by many investors, which can cause them to lose faith in trading platforms. However, after I contacted them C O V S E C L T D effectively assisted me in getting all of my cash back.
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Posted 2 months ago
I had RAC car insurance from January this year. I recently sold my car today 15/05/25 and was offered less than £30 refund. They charge a £45 cancellation fee and also a £45 intermediary fee on top of that, therefore the cancellation fee is effectively £90. The addition of the the extra £45 intermediary fee on top of the £45 cancellation fee is in my view not made clear enough. Why call it a cancellation fee if you're going to charge more on top?
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Posted 3 months ago
Great service fast efficient
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Posted 5 months ago
I recently purchased car insurance online, listing my wife as the main driver and myself as the additional driver. However, the policy was incorrectly issued in my name. When I requested a correction to reflect the intended policyholder, my request was denied. Instead, I was charged a £25 cancellation fee, despite the policy not taking effect for another three weeks. This experience has been deeply disappointing. It is unacceptable to penalize customers for mistakes that are not their own. I strongly advise others to be cautious when dealing with RAC, as they impose unfair charges for errors on their part. I purchased the policy through your website after being redirected from CompareTheMarket. During the process, I selected myself as the additional driver and my wife as the main driver. At no stage—either on CompareTheMarket or on the RAC website—was I asked to specify the policyholder. However, after completing the payment, I was surprised to find myself listed as the policyholder in the documents. This appears to be an error on the part of both CompareTheMarket and RAC, yet I am the one bearing the consequences. Instead of addressing the issue, you are relying on your terms and conditions to avoid responsibility. Furthermore, your customer service has been unhelpful; despite having my contact details, you have not reached out, forcing me to spend an excessive amount of time on hold when trying to resolve the matter. I firmly believe this mistake is on your end, and it is disappointing to see such disregard for customer care. I sincerely hope you reconsider your approach, as treating customers this way will ultimately drive them away. I would appreciate a prompt resolution to this matter. Please advise on the next steps at your earliest convenience.
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Posted 5 months ago
Brilliant company always there to help me
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Posted 6 months ago
Got the car insurance I required for £150 less than my renewal quote.
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Posted 6 months ago
Easy instructions
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Posted 7 months ago
Came out very expensive, rang the company but they would not match the price, quite disappointing..
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Posted 7 months ago
This years price exceeded all expectations, never expected to see a decrease.
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Posted 7 months ago
BEWARE! disappointed to see RAC using deceptive behaviour on motor insurance renewals. They only showed the increased monthly debit amount on renewal rather than full cost which added up to around $350 increase on previous year. On further examination i discovered they increased the excess amount without authority by $400 from $500 to $900 so effectively increasing the total cost of insurance by over $400pa with no claims.
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Posted 8 months ago
Save your money and go somewhere else. RAC WA Home Insurance is nothing more than a legalised scam. A 1 star rating from over 100 hundred reviews cannot be wrong. Our house was flooded after a burst water main; Open and shut accidental damage claim. After months of delays RAC denied the claim saying the flood didn't cause any damage. A Engineering report commissioned by RAC even stated there was damage likely caused by the flood. Seems like Delay, Defend, Deny is alive and well and being operated by RAC WA Home Insurance.
RAC Insurance 1 star review on 24th December 2024
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Posted 8 months ago
Sneaky fees Be very careful with these if you have to cancel you insurance for any reason, they charge you the £45 cancellation over 14 days after you take the policy out but they also add on something called intermediary service fee! Another £45 Yes aparently it's in the policy booklet somewhere but don't advertise it on the main costs for cancellation within the breakdown of fees. They have just lost a customer and hopefully some more for their sneakyness.
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Posted 8 months ago
Ok to purchase on line, time will tell how good they are if I need to use them.
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Posted 8 months ago
I have had an absolutely appalling experience with RAC and feel compelled to share my ordeal to warn others. On the 1st December 2024, I reported a breakdown at 20:19, expecting the professional and reliable service I had paid for. What followed was over 8 hours plus of waiting in freezing conditions with inconsistent updates, which I had to keep calling in repeatedly myself , lack of empathy, and ultimately being stranded. The estimated arrival times kept shifting—from 21:40-22:40,12:20am-3:20am to an outrageous 7:30am-10:30am. This caused me to miss my hotel booking, as RAC patrol could only take me to only one place either the hotel or back home. Despite explaining to RAC that I needed medication at 22:20 due to a pre-existing condition (which I hadn’t expected to need during a breakdown), their responses were dismissive and unhelpful. When I finally got through to Emily, she suggested I cancel the callout and rebook, which would’ve meant waiting even longer. No solutions were offered for what to do during the long wait, and at one point, I was even told not to call back. By the time help finally arrived at 2:24am, I had endured over 7 hours plus of frustration, freezing cold, and rising stress, which impacted my health as a diabetic with high blood pressure. I could barely feel my feet as it was freezing cold. They sent out an independent breakdown company who found me shivering with cold and reported back to his head office that this call out should’ve been a priority with the state he found me in and especially with my medical condition. To which his office replied back which I heard myself was that it’s not been sent to us as a priority yet stressing numerously to RAC about my medical condition they didn’t really care or pass it on to the company who came to me on there behalf. The saga didn’t end there. Over the following days, communication was a disaster. I was repeatedly told incorrect information, including that my vehicle had been delivered to the garage when it hadn’t. Today being the 4th or December 2024, I was promised a rental vehicle from Enterprise, which I needed urgently due to RAC’s failure to tow my van on the night of the breakdown. I was picked up by the car rental company and as I arrived at Enterprise, they informed me that the rental was for a manual vehicle, despite being given a choice for a manual or an automatic by the RAC representative themselves I opted for an automatic. I contacted RAC to resolve this as being asked by enterprise rentals thinking it was an oversight by them and spoke with a representative named Heather, whose behavior was appalling and humiliating. She accused me—without any evidence—of using my van for business purposes and abruptly canceled the rental vehicle and even refused me my own vehicle back which has been stored by them/their independent contractor due to them not being able to bring it back to bradford as my RAC covers me to be taken anywhere of the time of breakdown if they can’t fix it plus car hire to get me to my destitution for 3 days. Heather also claimed she had accessed my business details and made unwarranted assumptions based on my company being registered to my home address. I explained, repeatedly, that my van is solely for personal use and that my insurance, logbook, and council records permit records all reflect this. Her behavior was utterly unprofessional; she hung up on me, leaving me stranded and embarrassed in front of a room full of people at the Enterprise office including their staff. I had to arrange and pay for an Uber to get home, as neither RAC nor Enterprise offered me any assistance back. This entire experience has been humiliating, distressing, and unacceptable. I am pursuing formal complaints with the Financial Ombudsman and exploring legal options for breach of contract and emotional distress caused by this appalling service. If you’re considering RAC, I urge you to think twice. This experience has left me deeply disappointed and without trust in their services.
RAC Insurance 1 star review on 4th December 2024 RAC Insurance 1 star review on 4th December 2024 RAC Insurance 1 star review on 4th December 2024
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Posted 8 months ago
RAC Insurance is rated 2.2 based on 1,249 reviews