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RAC Insurance Reviews

2.2 Rating 1,236 Reviews
29 %
of reviewers recommend RAC Insurance
2.2
Based on 1,236 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
Had rac travel insurance. Holiday company went bust before we went but I didn't claim through the insurance. Tried to swap the date for another holiday but they wouldn't do it or wouldn't give a refund. I was prepared to pay more but they just said sorry you've lost your money. Will never go with rac with any kind of insurance again. Stay clear
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Posted 4 years ago
A £25 admin fee just to change my policy to my new vehicle. A few minutes conversation with a representative on the phone and computer generated documents via email. Thieves. I shall join the long line of RAC customers who will move their insurance to another company when it expires.
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Posted 4 years ago
Appalling service. I was willing to be a bit forgiving of delays because of covid, but its clear RAC would rather keep you on the phone for hours telling you how they're trying to help you rather than actually doing it. I simply wanted to cancel a policy for an sold (recently renewed) vehicle after already taking out a new policyfor a new vehicle (also with RAC). This can only be done by phone, yet I had to call 8 times during my working hours to get through. Being told each time to 'go-online' - not possible for cancellation. I got cut off by home-working staff with poor connections multiple times and for each call I had to wait 3 min 40 sec until until I was even given the choice (another minute) of what service I wanted and the privilege of then being put on hold and waiting for someone to answer. Eventually someone did and they were friendly enough. But to cap it off, I received no written breakdown of the significant fees I was charged for cancelling a policy I'd only renewed less than one month before. I believe the service rep charged me a £55 cancellation fee despite I alluded that he wouldn't due to the fact I was still a customer and had taken out a new policy with them (I even gave them the policy number to 'check'). I'll be looking to move when renewal for my new vehicle comes around. Covid or not, this is just a company that has zero respect for customers.
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Posted 4 years ago
Absolute shocker, this is basically daylight robbery. Tried insuring myself with a black box just to lower my monthly costs. Turns out in the end I’m spending more than I’m actually saving. I started off with a reasonable amount that I would be paying each month, 4 months later this has increased to over £100 a month and I’m struggling to understand why. First I was quoted at a reasonable amount which I was happy to pay each month. Then they came back to me a week later saying that there has been some changes to my policy, for which I was charged an extra £20 per month. First I was unhappy but was willing to go ahead with it (as it’s still cheaper than other insurance companies). Now comes the big one. I have recently moved house and now I’ve been told that my premium would go up another £80 per month. So in total, where I should’ve been paying less, I’m being charged just over £100 more on my policy just for changing my address. I understand taking into account that premiums are based on where you live, how many points, length of driving experience etc, I just can’t comprehend a black box insurance company to be charging over £100 in the 4 months I’ve been with them. Not to mention the admin charge of £30 just to change my address. A disgusting company, one that doesn't live up to the title of ‘reputable’.
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Posted 4 years ago
Shocking customer service with this insurance. A different advisor every time, and different information. A nightmare to navigate. Cancelled in the end. Would never use again.
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Posted 4 years ago
Purchased car and insurance during covid 19 Had not received V5 so could not fit black box without uploading pictures of V5 ect. Contacted RAC to inform, they said it's ok to wait. Then received cancellation letter due to not fitting black box. Contacted RAC again, was told to disregard letter and fit black box asap without uploading info...then call to confirm fitment of box. Contacted them to confirm box was fitted, they told me my policy was cancelled in previous 48hrs as detailed in the letter!! And to insure again, would cost an extra £300!! Absolutely disgusting way to treat people! I was driving for 48hrs with no insurance, no knowledge that it was cancelled due to being told to ignore letter.! Don't Insure with RAC black box!
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Posted 4 years ago
what horrible and conning people i ADVICE EVERYONE DO NOT GO FOR MOTOR INSURANCE WITH THESE CON ARTIST MY INSURANCE WENT UP 110 POUNDS FOR NO REASON ABSOLUTE NOTHING I CAN'T EVEN EXPLAIN WHY.
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Posted 4 years ago
moved house recently. Tried to change address on line and the RAC cancelled my insurance policy as they were unable to do a risk assessment on a new build despite a neighbours address appearing on their website. now means I have difficulty getting insurance as I have had a policy cancelled. This lasts for life and not time barred. They are also going to charge me £55 for cancelling my policy. Wish I never heard of them or insured with them. Appalling customer services
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Posted 4 years ago
Worst experience ever with an insurance company I’ve had in 30 years of driving. Your online account, which you print documents from and allows you to edit certain things will cost you £25, for you to do the work while other insurers do it for free. If you need to cancel your policy when you sell your car they rack up costs in all directions. From cancellation fees of £65 to percentages of any extras you take. Do not but key cover, breakdown cover etc, if you need to cancel early you still have to pay the cost of the add ons. The RAC claim to be a UK motorist organisation, they are nothing of the kind. I will never do business with them again. I’ll stick with other breakdown organisations rather than be fleeced by deeply hidden costs and lack of transparency. RAC hang your head in shame, claimed to be the 4th emergency service! Never in a million years, this corporate entity has lost its way. My biggest regret was not coming to research them on this site before buying a policy with them.
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Posted 4 years ago
Do not use this company absolute joke of a company says black box wasn’t fit when it clearly was documents not sent when we had proof they where ring to complain they don’t want to hear it please avoid at all cost
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Posted 4 years ago
I would give them 0 stars if I could - please please avoid this company, worst experience ever. I got my policy cancelled with no notification because of an error in their system - issue still hasn't been solved 1 month later, called them hundreds of times, nobody knows anything - zero coordination from their side. Plus, some of their staff are ridiculously rude
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Posted 4 years ago
I have used confused.com to find a replacement insurer as my current insurer increased the price for no reasons. The purchase was very easy and they were clear in not having any hidden charges.
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Posted 4 years ago
Honestly, I thought their insurance was cheap, then I got a new car and they wanted to charge £65 a month more for it. I then wanted to cancel, ended up paying £115 in cancellation charges. I thought that was it, but no, then there was a final £25 taken by direct debit. That wasn’t explained to me at the time of cancelling. The lady dealing with my issue wasn’t very professional or apologetic, it all felt very rushed. I feel so ripped off and am seriously looking at making a complaint. Very very glad I left RAC Insurance. Please don’t insure with them!
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Posted 4 years ago
I agree with everyone! The black box is a joke one day it’s sky high next it’s lower than ever makes no sense. I am a sensible driver I don’t understand how the score is calculated the way it is . I’ve now got a bad reputation and have had my insurance cancelled and had to pay £120 would never ever go with them again WORST COMPANY EVER!!!!!!!!!
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Posted 4 years ago
Hi everyone, I have only one aim is to either cancell my contract or get the black box removed from my car. I'm an extremely upset customer because of the ridiculous system of RAC black box. It pulls my score low and none of the customer service staff are able to explain it why & what the numbers/values mean in the report. Although I drive very slow including acceleration, braking etc, it somehow drags my score down like I was a potential threat to people on the road. I'm a very good and careful driver with NO accident (not even a scratch) in 15 years and definetly no problem with car insurance companies. I record every journey with my dash cam and seeing what RAC evaluate as dangerous driving is a careful and normal style of driving with no sign of danger and excessive acceleration or braking. So what is going on? For me this company shows itself as a cheater, a scam that tries to make money from contract cancellations. Now I'm not surprised RAC has one of the worst review among insurance companies. DO NOT contract with this company at all. You will end up crazy becausyou won't even know why. Seriously.
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Posted 4 years ago
Appalling. ..renewed policy in june they took payment in july 2 weeks after the payment they cancelled policy i called they said wanted proof of address a copy of driving licence....we never received a letter from them...strange as this was a renewal with them they had these details from the previous year ...Do not use rac ....absolutely appalling. .
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Posted 4 years ago
Unable to give no stars, quite possibly the worst insurance company. Phone staff are rude and completely clueless, can’t seem to answer any question you have with anything helpful. The black box itself disconnects and then provides a zero score bringing down the average. would NOT recommend
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Posted 4 years ago
1 month off having 2 years no claims with rac my insurance was cancelled due to info from my black box. I tried to call but no one got back to me, now I can’t get insurance anywhere
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Posted 4 years ago
I wish I had read the reviews before taking out insurance. On completion of form and payment made I noticed that even though I wanted a courtesy car it mentions no guarantee you would get one. You can pay extra to guarantee courtesy car. I phone customer service within 5 mins of payment and they said that although you get a free courtesy car, its only if one is available at the time. I could pay a fee to guarantee one though. When I asked to cancel as I only took insurance out 5 minutes ago, I was told there is a £25 fee. It was cheaper to pay the guarantee cost. Wont be going with them next year.
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Posted 4 years ago
*********PLEASE READ****** RAC is simply the worse insurance ever. They are nothing but a scam. They have cancelled my car insurance 2 months before it was due for renewal because I went over the speed limit. I was doing 40 in a 20. When I was on the phone to them they said this was the first time I had gone this much over the speed limit and doing this once was enough to cancel my I insurance. The person on the phone told me that this was the only incident I had done over the speed limit in the whole 10 months. This is a lie. I am did drive over the speed limit (40 in a 20) many times over the 10 months and they chose not to cancel my insurance. They only canceled it 2 months before renewal because they had made money off of me for the 10 months. They also have the audacity to charge me £100 for cancellation fee when they are the ones that canceled. The person not the phone talks about “ what is there were kids on the road”. I imagine this is what they got told to say to hide the fact that they are scammers and their only aim is to make money. They tell you they will cancel your insurance within 1 week and have to pay the 100 pounds. I wish I had read the reviews before hand and paid a few hundred pounds to get some other insurance. They have not only done this to me but may others in this review website. THEY ARE SCAMMERS AND PLEASE AVIOD THEM.
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Posted 4 years ago
RAC Insurance is rated 2.2 based on 1,236 reviews