Page 3 of 38 for RAC Insurance 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

“Did not have a bad experience with RAC pay-by-the-mile insurance. It was perfect for me. WHY has it now ceased to operate?”

Helpful Report

Posted 8 months ago

“What a joke of a company, do not under any circumstances insure with RAC.Rip you off to tune of 55 pounds to cancel ins, never ever got back to me after I broke down one time as well, if they do come out ,you will wait hours. Repeat, have nothing to do with this shower of ****”

Helpful Report

Posted 8 months ago

“Avoid at all cost May 22, i was stationary when some woman that was on her phone slammed into me. RAC sent my car to Newbridge Garage who was just terrible. 9 months later after 7 courtesy cars I finally got my car back after insisting it gets repaired somewhere else. Not only has my claim not been paid out since MAY 22, (now July 23) RAC have put my insurance up by £195, Disgusting company, use at your own risk. Don't say you haven't been warned.”

Helpful Report

Posted 9 months ago

“RAC car warranty. Wouldnt entertain them. A Jaguar Garage had my car for service and found a fault in the oil cooling system. I phone up to the warranty company, as my Jaguar had an RAC warranty. They told me, I did not take it to a RAC-approved Garage it is harder to get the cover sorted. They did not pay out £360 pounds for the job. This I had to pay myself as well as a new tyer on top. Quick enough having my money, when I bought the car from a so-called Approved Garage. The Jaguar garage also found mot fault on the car done by the approved RAC garage. Wiper ripped, wrong size tire on one wheel as well as oil cooling pump oil drip I am a full-time served Jaguar mechanic. Retired now. What's the point in taking out a warranty in the future? Platinum warranty. What a joke. Also told me they needed pictures to approve it, as they did the job but was finished it was to late .save your cash AVOID AVOID AVOID sent details several times email and phone calls still no reply.”

Helpful Report

Posted 9 months ago

“Everything went wrong but not from me I added my daughter to my policy told £60 not a problem was assured she was now on my policy I am away dealing with a death in Spain sent out new details so as far as I was concerned all sorted only to wake up a week later looked at my messages RAC had cancelled my policy obv I called them immediately to be told we sent u a letter 6th June saying unable to charge ur card ! Wot ! Why did u not email me that’s not always our policy ffs so I asked can my car be reinstated went through all the questions and then told it would now be £2750 I’m gob smacked so I obv said no and then had to wuickly get car insured again, today 8 days later wake up to you owe£55 cancellation fee if not paid we will pass on to debt collection agency WOT I didn’t even no I owed money anyway disgusting company don’t go near them”

Helpful Report

Posted 10 months ago

“Whatever you do, do NOT deal with RAC Black Box Insurance. The most incompetent bunch of unhelpful people I have dealt with in years. I would rate their so-called 'service' as little more than a legalised SCAM! When their renewal offer was made, I accepted online but found I could not get the payment to go through their website as I was travelling overseas. I sent a secure msg to RAC to call me to make the payment. They did not reply. By the time I returned home, the renewal had lapsed (by one day). RAC then demanded an additional gbp300 to renew! The person I then spoke to refused to pass my call to a manager. Fortunately I noticed the RAC policy was actually underwritten by AVIVA. I called Aviva direct and got the same cover for over 40% less than what RAC wanted to renew. (60% less than if I had paid that extra gbp300) Presumably the rest would have to to RAC in commissions. Like I said, RAC Black Box is nothing more than a legalised SCAM!”

Helpful Report

Posted 11 months ago

“They are useless if you need to make a claim. They are only a front for another underwriter who never answer the phone.”

Helpful Report

Posted 1 year ago

“RAC & PREMIUM CREDIT are SCAMMERS! Do not go near this company. I took out home ins on 14th. Paid £13 which came out my A/C immediately. Decided to use DD so provided bank details. Email recd next day from PREMIUM CREDIT demanding £25 as bank details not correct! I had no idea who they were - no mention of RAC. Checked online & found HUGE number of complaints re people being scammed out of money. Decided to cancel insurance (well within cooling off period) due to the dreadful reviews. Who charges you £25 for a simple initial error with a sort code?!!! Spent 40 mins trying to get through & further 20 trying to cancel. Told I’d be charged almost 1/3 of the entire yearly premium (£40) to cancel. Told this was £25 for PREMIUM CREDIT to cancel the agreement & rest for 2 days cover. PREMIUM CREDIT haven’t even set up an A\C they can cancel!! Complained & told to expect a call from complaints. Just off phone. RAC now saying it is THEM who feel it is fair & justified to SCAM me out of £40 for the crime of cancelling a policy after 2 days. The policy itself was only £150. This is disproportionate & excessive. The cooling off period was designed to help customers avoid bad companies. These dreadful companies have circumvented these protections by creating opportunities to deliberately charge customers who buy their products in good faith. And now I can’t even log in to see the letter they have generated which means another lengthy wait on the telephone. If I could choose ZERO as a rating I would. DO NOT GO NEAR THEM.”

Helpful Report

Posted 1 year ago

“RAC & PREMIUM CREDIT are SCAMMERS! Do not go near this company. I took out home ins on 14th. Paid £13 which came out my A/C immediately. Decided to use DD so provided bank details. Email recd next day from PREMIUM CREDIT demanding £25 as bank details not correct! I had no idea who they were - no mention of RAC. Checked online & found HUGE number of complaints re people being scammed out of money. Decided to cancel insurance (well within cooling off period) due to the dreadful reviews. Who charges you £25 for a simple initial error with a sort code?!!! Spent 40 mins trying to get through & further 20 trying to cancel. Told I’d be charged almost 1/3 of the entire yearly premium (£40) to cancel. Told this was £25 for PREMIUM CREDIT to cancel the agreement & rest for 2 days cover. PREMIUM CREDIT haven’t even set up an A\C they can cancel!! Complained & told to expect a call from complaints. Just off phone. RAC now saying it is THEM who feel it is fair & justified to SCAM me out of £40 for the crime of cancelling a policy after 2 days. The policy itself was only £150. This is disproportionate & excessive. The cooling off period was designed to help customers avoid bad companies. These dreadful companies have circumvented these protections by creating opportunities to deliberately charge customers who buy their products in good faith. And now I can’t even log in to see the letter they have generated which means another lengthy wait on the telephone. If I could choose ZERO as a rating I would. DO NOT GO NEAR THEM.”

Helpful Report

Posted 1 year ago

“If I could give zero score I would. I had a minor accident in early March. Have been passed from pillar to post, no repairs, no updates, no communication about anything, despite being told by Markerstudy (some weeks after) that I would receive emails. I cannot even begin to imagine what this treatment would be like for someone who has had a more serious accident and experienced trauma. I'm stuck without use of my car and currently just confused about what to do next. This really is an unacceptable level of customer service. I wrote a complaint a month ago and received a message yesterday to say they could not yet look in to my case for another 4 weeks. I actually feel that I have been scammed. DO NOT USE!!!!”

Helpful Report

Posted 1 year ago

“Awful Awful, I broke down and called asking for membership including a tow home, I paid 340 pounds on the phone and was told I would have an additional charge of 180 for recovery back to my house, they arrived 4 hours later in a small assessment veh to tell me I needed a tow and it would cost me 585 pounds, utter cowboys, I cancelled the membership immediately and I am awaiting a refund, avoid avoid avoid Date of experience: 30 March 2023”

Helpful Report

Posted 1 year ago

“Very dissatisfied with the claim process, have been trying for HOURS to get through. Sorry not to have read these reviews before taking out the insurance”

Helpful Report

Posted 1 year ago

“I took out insurance February and by 7 March I already paid £385, they lie and thief your money, saying you did things wrong that was in the terms and conditions, so please read that well, do not take insurance from the company, you will regret it.”

Helpful Report

Posted 1 year ago

“Please do not buy your insurance through RAC If I can stop just one person going through the trouble and pain I have it’s worth it for me writing this. The RAC team are rude, unhelpful and sell you a product that should you come to use it is invalid unless you meet every single term and condition, which is impossible. Very expensive insurance products and a very expensive lesson learned for me when I come to use it and it’s worthless”

Helpful Report

Posted 1 year ago

“Fast to answer sales calls, very substandard at everything else, especially claims. This is NOT a real insurance company, they're an agent so get in the way of anything.”

Helpful Report

Posted 1 year ago

“After an accident caused by another driver at the beginning of January I have had absolutely no update on what is happening with my car. I have had to do all the ringing round and still don't know where my car is or what is happening! No reply to emails, phone calls etc... i do however have a courtesy car. It's been over a month now and I've given up so will be using this car until they contact me 😠 do not use this company!!!”

Helpful Report

Posted 1 year ago

“Would leave 0 stars if I could. Thieves who constantly threaten cancellation I wish I checked reviews before I purchased. Voluntary cancellation costed £250.”

Helpful Report

Posted 1 year ago

“Poor customer service. No communication. Hours spent on the phone to be fobbed off repeatedly and still no repair. My 3rd part is faring no better.”

Helpful Report

Posted 1 year ago

“I went with the RAC for peace of mind - oh boy was that a mistake. I had to claim after a road accident and I ended dealing with 4 different companies. RAC for 2 minutes initially, Markerstudy, Copart Claims and Vizion. I had to make every phone call to find out what was happening. My car was written off and taken 200 miles away from where I live without telling me and before I had the initial settlement offer. All in all a complete farce and I would NEVER EVER use the RAC again. Typical company who take your money and do sod all for it.”

Helpful Report

Posted 1 year ago

“When I wanted to have my insurance, they were so pleased offering. However, when I sold my car and bought a new one, they told me to cancel my policy. Today I called them and discovered I could change my approach for another vehicle. I am a student; I paid 150 for cancellation. This was like stealing! When I told them about this, they told me they were sorry! Don't trust them anyway. Very very unsatisfied with them.”

Helpful Report

Posted 1 year ago