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RAC Insurance Reviews

2.2 Rating 1,230 Reviews
29 %
of reviewers recommend RAC Insurance
2.2
Based on 1,230 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 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
RAC Insurance 1 star review on 23rd December 2022
Marie Robinson
1
Anonymous
Anonymous  // 01/01/2019
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 3 days ago
Ok to purchase on line, time will tell how good they are if I need to use them.
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Posted 5 days 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 1 week ago
After being a loyal customer of RAC home insurance for 9 years, I am beyond disappointed with how they treated me. It was shocking to be dropped just when I needed their support the most. I trusted them to be there in case of emergency but it is clear that when it is a time for them to pay, loyalty and reliability do not mean anything for this company. I would strongly advice others to think twice before choosing "Rac insurance" - if you ever need to use the service you have been paying for, do not be surprise if they leave you high and dry.
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Posted 1 month ago
The Worst Insurance Experience Ever – RAC is a Complete Disaster! If I could give RAC Insurance zero stars, I would. My experience with them has been nothing short of a nightmare, and I strongly advise anyone considering them to RUN in the opposite direction. This company is a complete failure in every possible way. After filing a claim for my vehicle, RAC sent my car to a mechanic who left it untouched for TWO MONTHS. RAC never bothered to check in or follow up – if I hadn’t called them repeatedly (over 80 times!), my car would likely still be sitting there gathering dust. And every single call was met with the same useless response: “Someone will get back to you.” Spoiler: No one ever does. Then, to make matters worse, they LOST MY CAR KEYS, which included my house keys, putting my security at risk. I now have to spend hundreds replacing all my home locks. When I asked for accountability, their response was beyond rude and dismissive: “How am I supposed to know where your car keys are?” This is their idea of customer service! Even after submitting a formal complaint, nothing has changed. I was promised quick reimbursement for the out-of-pocket costs I’ve had to cover, but now they say they have no idea when – or if – I’ll be reimbursed. When I pushed back, a representative actually had the nerve to say, “If our service doesn’t suit you, change insurance.” RAC Insurance has cost me time, money, and peace of mind. They’ve shown nothing but incompetence, disrespect, and outright negligence. If you value your sanity, DO NOT USE RAC INSURANCE. This is hands down the worst company I’ve ever dealt with – a complete disaster from start to finish.
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Posted 1 month ago
Dealt with my query very auickly and polite on the phone
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Posted 1 month ago
Simple process to get the best deals
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Posted 1 month ago
Great price and service
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Posted 1 month ago
I phoned to make changes to my vehicle Cover and was assisted by Mr David Young. Who I may say was extremely Polte, Cuttise, Knowledgable, & professional. He is a Credit to the R.A.C.
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Posted 2 months ago
Took out car insurance for my Dad with RAC. Good quote and nice and easy to set up, but he then decided to change his car (all a bit last minute!) after just 1 week of the policy being started. I logged onto the RAC portal to change his vehicle for which they were asking an addition £800, on top of the £497 he had paid a week before. With this seeming a bit extreme, and already having got a quote elsewhere for £720, I cancelled the policy. The next day, I ran some quoted through the comparison sites to get him a new policy and got a price of £674.17 from, you've guessed it, RAC !!! Logged back onto the portal and used web chat to ask why it was so much cheaper for a new quote rather than a change to an existing policy. I didn't really get an answer but was told that I wouldn't be able to purchase that quote due to there not being a year between cancelation and renewing! What a scam! And the worst thing of all is that they didn't even TRY and keep my business. Just brushed it to one side as if it really didn't matter that they will loose out on keeping a policy and keeping hold of someone's hard earned money. Just as a side note, they will also only refund £398 of my dad money so he's lost £99 for 7 days insurance. I realise that the admin fee would have been £25 but 7 days insurance doesn't equal £74. It should have only been £9.52. It seems like I'm not alone in experiencing these issues after reading some of the previous reviews. Won't be recommending or going back to RAC in the future!
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Posted 2 months ago
VERY QUICK AND EASY TO GET A QUOTE AND BEST POLICY AND PRICE GIVEN WILL US AGAIN
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Posted 2 months ago
Couldn't offer a change of policy to a new car without cancelling old one and starting again at 3 times the cost. I cancelled and lost 50% of the cost after only 1 month due to rip off cancellation charges and admin fees. Chatbox is a complete waste of time at weekends with a 1hr wait until I eventually gave up . Total waste of time and money. Avoid at all costs.
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Posted 2 months ago
Policy price is 80% higher than any other provider - crazy!
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Posted 2 months ago
Misleading... avoid. Did the usual online comparison, including legal cover. Then it sent me to the RAC site and before I proceeded it didn't include legal cover, but was the same price as the original one including it. My error in not realising, but very misleading. The day after starting the policy, spoke to someone on online chat (glad it wasn't the 418 minute wait it originally stated). They can't help, 'Computer said no' and would be a £25 cancellation charge if I cancel my policy, and they wont add in legal cover unless I pay extra. I then got a quote from RAC for less money than what I paid, including legal cover... Daylight robbery. I expect better from a big company like RAC.
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Posted 2 months ago
Awful experience, they removed my named driver and doubled my premium a month after setting up the policy. Cost £180 to cancel the policy as it no longer met my needs. Disgusting company and I have never had service like it - AVOID AVOID AVOID
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Posted 2 months ago
Sneaky auto renew and hidden charges, impossible to contact a human to cancel. Terrible, will NEVER use again, even if cheapest, shocking way of operating
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Posted 2 months ago
After being in a&e with wife that was in a major car crash by no fault of her own at 9.30 pm eventually released by 7.30 am contact RAC to inform them of accident only to be put to someone in Africa maybe that had very poor English,had to call back four times as there line kept on failing after an hour was told we need info on damage to car which at this point was in a lock up and hour away,so off I go as I haven't seen it,three air bags gone both bumpers gone drivers door unable to open pretty much every panel damaged,so hour back home called them same faulty lines ,by this time we have police ref number for the incident,my lord was on phone for two hours answering the same questions again, not sure if it is being seen to as it will wait until tomorrow ,RAC need to do better as in home call centers not in a far away land that don't speak your language 💤💤💤
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Posted 2 months ago
Disgraceful company, auto renew doubled the premium, I cancelled 4 days in and cost me £50 . Avoid
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Posted 2 months ago
the worst insurance company and very bad customer service stay away from these thieves
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Posted 2 months ago
Charged me £85 cancellation fee within my 14 day rtc.
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Posted 2 months ago
RAC Insurance is rated 2.2 based on 1,230 reviews