RAC Insurance Reviews

Name: RAC Insurance
Rating: 2.20

2.2 Rating 1,192 Reviews

29 %

of reviewers recommend RAC Insurance

Company Reviews

Questions

Metrics

2.2

Based on 1,192 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

John

RAC Insurance 1 star review on 23rd December 2022

Marie Robinson

RAC Insurance 1 star review on 27th September 2022

Marie Medor

Anonymous

Anonymous // 01/01/2019

Filter: Rated 1 None 5 Stars 4 Stars 3 Stars 2 Stars 1 Stars Helpful

“They are thifts ,my and my friend have the same isuue with them ,first they take your money and after they call you to say was a mistake and the insurance need to increse so stay far away from this insurance company.”

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Posted 1 year ago

“The site took me through the whole process, of entering details, payment, etc. Then at the last minute - "sorry, technical problems". Has not retrieved the quote and would not accept the quote number I have been e mailed. The "online chat" facility is in fact a virtual assistance. Complete waste of time -have now covered with someone else.”

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Posted 1 year ago

“I never write reviews but the company is a disgrace! On losing my bank card I ordered a new one. With this of course bank details for all DD’s have to be re set. Amazon, O2, NetFlix, etc etc all sent me a reminder the payments hadn’t gone through so I changed the details to my new card and we’re all good. RAC Insurance are the ONLY company that feel it’s a good idea to charge a loyal customer £20 for this payment not going through straight away!! So they’ve made £20 today and lost a customer for life! Not sure the genius behind that business decision but I hope you enjoy my £20 and I’ll spend my money elsewhere in future!”

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Posted 1 year ago

“I was insured with rac… I then rang to add a private number plate… they then cancelled my insurance and said they can’t insurance me… what a joke… Tom the manager wasn’t happy because I was recording the conversation… stay clear of rac insurance.”

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Posted 1 year ago

“12 years NCD, latest renewal price had gone from 234 to 290. Trying to cancel online but the options not present even though their website says it is. Ok so have to phone, sit through 3 mins if pre-recorded message that's irrelevant. Now been on hold for 15 mins. This is one of those companies that makes it really difficult to cancel in the hope you'll give up. I won't be using RAC for anything again in the future”

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Posted 1 year ago

“I have been off sick from work so was struggling to pay on direct debit, I missed the payment 2 days ago, I explained my situation and told them I could pay today and that going forward I have a new job and will pay on the 28th of the month, however, RAC & BISL decided to cancel the policy immediately and apparently they say I can't afford the monthly payment and instead I needed to pay it all off ( which obviously I couldn't do) this has left me having to pay another deposit with another insurer and take out another policy. I also have home insurance with RAC & BISL and this also will now be getting cancelled.”

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Posted 1 year ago

“Rac is one of the worst ever insurance company ever. If ever you want to get the worst disappointment in insurance try this company. I paid all my insurance dues but was all informed by police that my car wasn’t insured. One day l parked my car after informed by police that it wasn’t insured. I went to wok by bus and was late.I got in touch with Rac never got assistance at all.When l informed that l wanted to drop their company they told me of an unexplained amount of money which l was to pay.A few days later l got a communication from the Debt Collectors that l owe Rac some money. I got suprised and wonder if ever they have customer care and really know if ever they know why they are into business.”

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Posted 1 year ago

“Never take rac break down I had a breakdown I call the in morning 08:38 been waiting 4 hour in the car without no food no water and can go to toilet there no public toilet I call them for any update and they said the update they got is at 15:00 o'clock in afternoon they are mad is company dont have heart for people when they take the money it 1 second when breakdown it take 7 hours waiting I will never recommend people to RAC”

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Posted 1 year ago

“I had my iPhone stolen on 4th July 2022 while on a short break in Barcelona. After providing the following documents as requested by the RAC - Proof of Ownership, Proof of Usage, Proof of Cancellation, Proof of Blacklisting, Proof of who I am (a photo of myself holding my Passport), a Police Report, a Lost Phone Certificate, Proof of Travel (Boarding pass to and from Barcelona), a utility bill with my name and address, the IMEI Number of the stolen phone, the Serial Number of the stolen phone, proof that the iPhone had been erased via the Find my app, proof of its location again using the Find My App, I'm still waiting for the RAC to pay me my insurance money. It's now the 23rd August 2022. I will never use these cowboys again and I advise nobody else to. Shocking company.”

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Posted 1 year ago

“Absolutely APPALLING experience My auto renewal lapsed and I was not informed immediately meaning that I unknowingly drove to work uninsured, when I called to rectify this situation they told me that the only way to fix this was to start a new policy and they would price match it to the agreed renewal quote. Well, the new quote had doubled and so they could not price match apparently! There was no good reason as to why the quote had skyrocketed this way as nothing had changed and even they could not explain this. Subsequently I was stranded in the carpark with no insurance absolutely bewildered as to why I was now being penalised for their administrative error. Through no fault of my own the auto renewal did not go through even though I called 2 days before to confirm and had the emails to back this up, they could not rectify the situation! I was absolutely appalled at how they could try and charge me double after THEIR error! This caused me a lot of stress and I was extremely dissatisfied with the outcome. Only after escalating the situation was I offered temporary insurance for me to drive home, after that they told me to get quotes from a different provider! Rest assured that I will NEVER go with the RAC for anything again and I will absolutely advise my family and friends to do the same.”

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Posted 1 year ago

“Automatically renewed my car insurance then charged me £55 to cancel it...swindlers!!!”

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Posted 1 year ago

“Today was charged just over £25 to change my address! Phoned up to give my new address, I moved house less than a mile, I was told it was an admin cost- pretty sure it did not cost Rac £25 to type my new address into their computer and send me an email to tell me they had done that! Will not be renewing with Rac!”

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Posted 1 year ago

“No communication whatsoever. Keep well away. I should have read the reviews first.”

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Posted 1 year ago

“policy went up by 50% on auto renewal without my realising. Then made a claim for a damaged my ipad, was passed to a claim handling company, who then have to request my policy from RAC, and they'll call be back on Tuesday to progress. todays friday!!! what a joke. Will not be using them again!...”

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Posted 1 year ago

“Absolutely should not be doing car insurance. I have had nothing but endless calls, misinformation, incorrect information and to top it all, Motor Legal Protection by a dodgy claims company that don't seem to know what they are doing. My insurance claim was not my fault at all. I was asleep when a drunk driver went into my car and wrote it off. She was over the limit, arrested and charged. Over 18 days later I am still waiting to get the right help to make a claim on loss of earnings for work, as I was stranded 300 miles from home and they didn't have any courtesy cars available. So I had to take three days off. As a breakdown service, they have always been great - but as an insurance intermediary they are not. Their underwriters have been great - but they are experienced and know what they are doing. RAC should not be selling insurance. That's all there is to it. I have made an official complaint because I'm still having to call them for help and this was after someone told me I'd be able to claim back things with their legal protection. What a total and utter waste of money it is! It's the most embarrassing service I've ever experienced and I can see why their score is so low. I will never, ever use them for insurance again and will not be renewing when this sham of insurance finishes because I can honestly say they have been the worst!”

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Posted 1 year ago

“No care for cuatomer and even if it is their fault still will not consider their customer. Black box insurance is the main culprit. If they miss the appointment to install their box even if their engineer fail to keep the appointment still will invalidate your insurance. STAY AWAY FROM THEM”

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Posted 1 year ago

“(ZERO STARS) Rip-off - Avoid at all costs - car insurance premium increased 38% by auto-renewal My RAC black box car insurance premium were £420+ annually for the first two years, however I was charged £584 during this year's renewal (38% increase!) This was renewed automatically and charged to my credit card. They claimed to have sent a renewal notice by post, but unfortunately I have moved addresses and did not receive this. It is year 2022 and they are still expecting their customers to read all their physical mails, despite having my email address and mobile number registered to my account. If I were to cancel the insurance, I'd incur a £125 cancellation fee - effectively holding me ransom! Nonetheless, having called their customer service to enquire the basis of the premium increase (the car only ran less than 2000 miles the past year and was without any claim/incident) - they were not able to justify the reason for the increase in premiums (official reason: premium was quoted by the companies they use). I have used a price comparison website at this point and the same RAC policy is being offered to me at £440 (with a few competitors offering similar pricing). I have logged a formal complaint and have been told a formal response will take 4 weeks. In the meantime I will also log a similar complaint to Financial Ombudsman Service and other review forums to warn the public. Despite what is advertised, avoid this company at all costs, it’s just not worth it! Just look at the other reviews on this page..”

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Posted 1 year ago

“In April a friend of mine borrowed my car and broke down. A truck came with only room for one passenger even though they were told there were 3. Promised a taxi would come for the two passengers. It never did. By this time it was late, cold and wet so they ordered and paid £150 for taxi. Despite contacting RAC on numerous occasions i am still waiting for the money! 4 months on! Next step is the CEO and then the Ombudsman. I will never recommend them. I will also add that the recovery truck driver was very rude and said when my friend was worried about leaving passengers stranded, if he didn't get in cab he would unload car and leave.!”

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Posted 1 year ago

“Involved in a collision not my fault. On that morning my whole world tipped and RAC left me high and dry. Refer you to a claims management company, you are given no details. No contact from anyone for 3 weeks, then they email an offer £1000 less than it will cost me to buy the same car even from a private sale. The worst experience of my life. I insured with a name I had confidence in, after an accident not my fault I’ve have to take a loan to buy the same car because the shocking claim managers are so bad. Heard not a thing for 3 weeks until I finally managed to contact them. I appealed, they offered an extra £70. I asked when they’ll pay out and told it can be up to 3 months. So I’ll have to take a loan to pay to replace a vehicle taken from me by a third party and RAC do absolutely nothing. If you look on their website there is no contact for insurance claims only for breakdowns. Never will use or recommend. Worst experience of my life dealing with this company. Give them the widest berth you can and check the claims handling company too, they work with a few insurance companies with a trust pilot score of 1. I’d give RAC and their claim management company zero stars.”

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Posted 1 year ago

“The worst recovery people ever. We called them at 8pm someone came at 11:30pm and told us our vehicle was fine and that we could drive off when clearly it was dangerous as there was a red warning light. After he left us 10 minutes later the car broke down again and we called them and they said someone will be with us in 2 hours. After a rude lady called saying no one can pick us up till 7am or we can have a taxi and leave our car on the side of the road at our own risk when our car is a business one. She then went on to say why were we travelling in the heat and that its our problem and she said if we shout at her she would end the call. After i was trying to ask why someone would let us drive when our car is not fit for purpose and that this is negligent as they owe a higher standard of care and she was saying no you listen to me and was not letting me speak and then she said shes not having this and that she is ending the call. We then had to sleep on the motorway till 8 am someone came to pick us up and dropped us off 30 miles and said someone will take us from there and are on their way. We called them and asked where the pickup truck is after an hour and they had not sorted it out. They also said they'll take us to hire a car and that they'd have to find a car. We then had to hire a private truck as these people were useless. Overall we were on the road for 15-16 hours as they could not sort anything out for us. Absolutely ridiculous never use these people as they would leave you to die. One of the passengers has medical conditions and they said call emergency services. 0 stars disgusting service.”

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Posted 1 year ago

RAC Insurance is rated 2.2 based on 1,192 reviews