RAC Insurance Reviews

Name: RAC Insurance
Rating: 2.20

2.2 Rating 1,229 Reviews

29 %

of reviewers recommend RAC Insurance

Company Reviews

Questions

Metrics

2.2

Based on 1,229 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 27th August 2024

Anonymous

Anonymous // 01/01/2019

Sort by: Most Recent Most Recent Highest Rated Filter: None None 5 Stars 4 Stars 3 Stars 2 Stars 1 Stars Helpful

“D0 NOT TAKE OUT POLICY WITH RAC . Good price - but a rip off if any issues . I had RAC car insurance a couple of years ago - in April 2022 i was driving my Wife's car [ as a second driver on her insurance ] when a pheasant flew into the car and dented it - claimed on her insurance [ Aviva ] and had no problems at all . I foolishly decided to inform my insurer [ RAC ] of the above incase of small print about full disclosure etc - they then charged me £105 - i was told it was admin charge plus higher risk ..... CRAZY - I HAVE NOT HAD AN ACCIDENT FOR 20 YEARS .... and how am i a higher risk because a pheasant flys into the car ???? AND , I did NOT claim from the RAC ! NOTE , Aviva put my Wife's policy up by £35 at renewal . Well done Aviva - RAC , YOU ARE A DISGRACE . Don't touch this company with a very long barge pole .”

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Posted 7 months ago

“RIPPED OFF by RAC CAR INSURANCE BIG TIME take this as a warning and don't touch this company not even with a barge pole. insured my car for xx£ but than purchased another car. conacted rac to transfer insurance to new car and got robbed blind by these thief's as the doubled the price. if I had cancelled an excess fee was applicable. on comparison sites online I could have had same type of insurance £150.00 cheaper. thief's, crooked, rip-off artist does not do this kind of stealing theft justice. SHAME on you RAC THIEFS”

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Posted 8 months ago

“Rude unhelpful a complete Con they wanted to put my insurance up £130 a year so I went with another company when I informed RAC they told me to pay £75 to leave.”

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Posted 8 months ago

“We had a gas leak which meant have our gas was shut off (no hot water or heat) and our floors opened up to find the leaking gas pipe. RAC consider this to be an emergency so I tried to make a claim on my emergency policy, which they told us (at first) should be no problem. In the policy t & cs gas leaks are not listed in the exceptions (unlike water leaks). The policy says it covers emergency repairs due to complete failure of gas central heating system or failure of hot water heating. But apparently gas leaks are an unwritten exception and we were told that actually they won't cover us. If gas leaks aren't covered it should say so in the policy t & cs.”

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Posted 8 months ago

“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 8 months 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 8 months 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 8 months ago

“Helpful, and looked after me.”

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Posted 8 months ago

“Very good service and friendly”

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Posted 9 months ago

“Helpful and considerate explaining all benefits and taking out what is not required”

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Posted 9 months 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 9 months 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 9 months 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 9 months 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 10 months 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 10 months 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 10 months ago

“Easy to access to web site and quick to get insurance as it was needed asap”

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Posted 11 months ago

“Bringing my insurance policy forward by 2 weeks after purchasing a new car cost me over £150 (just for the policy becoming active earlier) more on my policy plus £25 ammendment fee for new car and then another £25 ammendment fee to put my private plates on. Other companies don't charge for reg changes. Also states you can change details on line....no I could not.”

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Posted 11 months 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 11 months 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 11 months ago

RAC Insurance is rated 2.2 based on 1,229 reviews