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RAC Insurance Reviews

2.2 Rating 1,250 Reviews
29 %
of reviewers recommend RAC Insurance
2.2
Based on 1,250 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
2 of my workers were 1hr45mins when brokedown. from home. rang 3pm told recovery truck by 7pm . 7.30pm told no truck available . 8pm can send uber to take home and van taken to storage , or various stops and truck changeovers (4-5) to get home upto 7-8 hrs . Lads took uber , van taken 16miles away to store . Can't get it back for 3-5 days . I decide to sort collection myself at my expense . OMG try contacting them rediculous . When you do they say they will ring back . You'll be lucky . 5 hrs trying everything to get it back . always held up by RAC . Apparently if i take the vehicle i then have to pay the storage fee as i officially cancelled the job. I can get a truck to pick up my van and have a garage locally to me to fix it . Van could be back on the road by Thursday night . Broke down Tuesday afternoon . With RAC its gonna be 7 days or more . AVOID RAC AT ALL COSTS Nearly all the garages i spoke to in the story say they are awful . Most say go GREEN FLAG . Which i will .
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Posted 1 month ago
Avoid their car insurance like the plague. I am comprehensively insured and was hit by a van at a junction which damaged my rear bumper but there was no structural damage. After sending off the requested photos to RAC (not even inspected properly) I was told the car would be written off and I was offered a paltry £800. I made 4 attempts to 'speak' to their online chat, to explain I did not want the car written off due to the damage being relatively minor but wanted a repair, which would have necessitated a new bumper. Online chat people said they only really deal with renewals/ amendments to policies etc. I registered a complaint at the way this has been handled and requested a transcript of the second conversation (told it would take 2 wks but it was never supplied). Four weeks on I am no further forward with no meaningful explanation of what is going on and emails sent saying an investigation into my complaint could take four weeks, with another following recently saying the exact same thing. As another complainant has already stated, they are legalised scammers and I am disgusted at their shambles of a so called service. To add insult to injury I have just received their renewal offer of insurance. I'd rather walk than give them a further penny and will seek insurance elsewhere.
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Posted 1 month 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 1 month 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 2 months 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 3 months 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 3 months 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 3 months 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 3 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 5 months ago
Great service fast efficient
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Posted 6 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 7 months ago
Brilliant company always there to help me
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Posted 7 months ago
Got the car insurance I required for £150 less than my renewal quote.
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Posted 8 months ago
Easy instructions
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Posted 9 months ago
Came out very expensive, rang the company but they would not match the price, quite disappointing..
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Posted 9 months ago
This years price exceeded all expectations, never expected to see a decrease.
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Posted 9 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 9 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 9 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 10 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 10 months ago
RAC Insurance is rated 2.2 based on 1,250 reviews