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RAC Insurance Reviews

2.2 Rating 1,245 Reviews
29 %
of reviewers recommend RAC Insurance
2.2
Based on 1,245 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
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!!!
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Posted 1 year 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
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Posted 1 year ago
Theyre terrible, they use 3rd party companies to run their claims, they say they have cotacted us but zero emails, or telephone calls, avoid at all costs, do not use they are shockingly bad. Just can't put into words how we feel and we will never use ths company again. Dont say you have not been warned.
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Posted 1 year ago
Called them to submit details about my own claim. Extremely unprofessional claim handler not knowing any law and procedures he should follow- I’m a claim handler myself for a different company so I’m aware how the process looks like. Didn’t want to take any information from me saying he won’t even leave a note on the file that I called. I was in so much disbelief for a second I thought I’m not talking to claims handler- had to ask him if it’s really his job title as he acted like he absolutely couldn’t be asked to do his job. I am patient and very much aware how stressful this job can be but this experience was extremely shocking.
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Posted 1 year ago
Had car insurance with RAC for several years, full NCB never claimed apart from windscreen damage. Received renewal invitation in Jan 2024 and called to advise that my wife has ceased her part time work therefore no longer driving in rush hour...thinking this would be a lower risk. Cust advisor said there was a computer problem, needed to call me back the next working day. When he did he advised that because my wife is classed as retired he would not renew the policy unless I changed to a diff coy and paid £400+ more than the renewal had offered. Then he tried to find other reasons eg saying maybe it was the car -impossible as it's the same one they had offered to renew the policy on! No other changes made. Seems to be blatant discrimination and a scam. Got insurance elsewhere at much more competitive price and will never use or recommend RAC insurance again.
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Posted 1 year ago
Very difficult to contact them, and beware of renewals. I was with RAC Van insurance for a year, satisfied with the policy. I auto-renewed at the end of the year, but while I was travelling abroad my renewal was cancelled. There are very few ways to get in contact with the RAC helpdesk, and none work particularly well. Once my policy was cancelled my outstanding balance was passed on to a debt collector at a fee of £25 in less than three weeks with no notice from RAC. Email notifications seem random - they want you to login to their portal to view correspondence, but there is no way actually speak to them. Very dissatisfied with their support - I won't be using them again.
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Posted 1 year ago
I am currently waiting by the phone; it has been 2 hour, and there is no indication that they intend to answer my call. I AM PLANNING TO CANCEL MY INSURANCE POLICY, AND I WILL NEVER AGAIN UTILIZE THEIR SERVICES. I recall making this decision back in 2016, but I ended up renewing the insurance due to its affordability. I have essentially been confined to my home for the past 2 hours, as I cannot leave since my phone might disconnect.
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Posted 1 year ago
An absolute joke.they took money from my account without informing me that the policy had increased by 100% no phone call no email and no letter. I’ve made no claims and have since gathered 15 quotes that are all cheaper the RAC. Taking money from peoples bank account without permission is illegal. Or so I thought. I’m taking this up with the ombudsman and see what happens. DO NOT BUY INSURANCE FROM RAC. TRUST THEM AT YOUR PERIL
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Posted 1 year ago
Avoid any aviva products with these people. Paid for a hire car I never got, so 8k out of pocket buying another car. Witnesses not contacted that would prove I was RAMMED off the road and thus without investigating they found me at fault...RAC aviva insurance cost me 10k may as well drove with no insurance for the benefit I got from their policy
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Posted 1 year ago
Unable to login to see my insurance details for a week now due to site problems. Charged extortionately for an address change.
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Posted 1 year ago
very unhelpful, especially managers. They will keep transferring you and finally cancel you insurance and don't even sent a message. They are scammers to find anything to NOT help you
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Posted 1 year ago
These deserve a ZERO I cancel my policy and was to by a member of staff to cancel my direct debit as I'm struggling and I discover these scammer hit me with a £20 missed direct debit I'm totally disgusted way I been treated gets threatening emails from these clowns they got no comparison or customer skills AVOID RAC THEY BUNCH OF SCAMMERS
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Posted 1 year ago
One of the worst insurance company Avoid at any Cost looters scammers. Bunch of Pricks and scumbags.
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Posted 1 year ago
One of worst insurance
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Posted 1 year ago
Absolutely appalling, waiting to be rescued after 13 hours, in the cold with a little child. This is Absolutely appalling. We are paying the insurance for what exactly
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Posted 1 year ago
Avoid this company at all cost!!!! Absolutely disgraceful! Reward loyal customers with 330% premium increases 9 years no claims no points not even as much as a window chip claim disgraceful. Price gone from 50pm to 177pm with no justification no notification and or reasoning. Diabolical and leaves a very bad taste. when phoned to question why Hassan at customer services finds it highly hilarious and just laughs down phone saying inflation. No renewal quote delivered to me at address no call or notification Hassan stated renewals only given to customer if requested else it just rolls over year by year and they can charge what they want when they want. Please avoid this company they deserve the same loyalty they show loyal customers
RAC Insurance 1 star review on 1st December 2023
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Posted 1 year ago
Feel totally ripped off! Paid over £400 for annual multi trip and all seemed RAC backed and fine. Had to claim for £250 of lost flights in early September for medical reasons then encountered RAC's loss adjusters - total nightmare. All communication had to be by email, they refused to divulge their address or phone number - very dodgy! At first they refused to accept claim because we failed to declare a pre-existing condition. We sent proof of our declaration! They finally settled in late November. Our original policy document showed an excess of £100 - fair enough. But they took £200, £100 per person as opposed to £100 per claim. Then took off a further £13 each for APD (whatever that is!) leaving us with a final settlement of £25.....
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Posted 1 year ago
Classic bait and switch. Quoted the lowest price on a certain comparison website, to appear cheapest for car insurance. Then, after getting to the final step on their own site, added a £41 'arrangement fee' for the delight of them arranging insurance with Aviva! So not cheap, not honest, and not even RAC.
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Posted 1 year ago
Disgraceful practices - they pretend to be selling you RAC rated services and then right before purchase point they slip cover documents in which are by Covea Insurance, a terribly reviewed company. Another corrupt con artist insurance tactic. Shame on you. WATCH OUT PEOPLE.
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Posted 1 year ago
Was supposed to be auto renewal as was for many years with them and they didn’t auto renew meaning my insurance didn’t renew and my quote of 688 was lost and they would only reinsure for 1500. Ridiculous, so unhelpful with the situation and wouldn’t do anything to sort it or keep me as a customer after years with them! Also even if you update details on the portal like most companies let you do at no extra cost they charge you £25 every change! Robin Hood mentality of a company
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Posted 1 year ago
RAC Insurance is rated 2.2 based on 1,245 reviews