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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
Do not, I repeat do not buy black box of Rac. Biggest rip off ever. My son purchased this product and it’s biggest joke ever. He couldn’t do nothing right. No matter how he drove his score dropped. It even registered journeys whilst the vehicle was parked up. I took vehicle out once, drive perfect, speed acceleration braking etc and score dropped by 15 points. Then they said we have to cancel your policy and charged £125 for the cancellation fee. Avoid at all costs. I’ve given it one star because It don’t give you option to give zero stars.
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Posted 4 years ago
Disgraceful the way I was treated I am clinically extremely vulnerable during this lockdown my son in law is on the insurance he drives excellent speed was perfect then kept giving red alerts because of break and acceleration you tell me how speed is 80 percent but acceleration and brake is 0 the staff were rude to me and cancelled my insurance after 3 red alerts I explained the situation and how i am shielding not being able to go to work not getting paid etc they didn’t care one man shouted at me saying what do you want me to do about it I hope no one goes with them choose a different black box company I would of give no stars not one star if it would let me submit without stars worse company ive ever been to and so uncaring at these difficult times DONT GO to them
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Posted 4 years ago
The whole experience with RAC has been ridiculous! They overcharge for everything and try and force more and more money out of you because they calculate more miles on your data? Whatever! The actual app never worked once in the whole year and when you reset the email and password, that doesn't work. Phoning up gets you nowhere with it either. Then you get random emails saying 'your driving has fallen below acceptable' and it will be cancelled on a 3rd strike. I HADN'T EVEN BROKEN ANY LIMITS OR DROVE DANGEROUSLY!! You can't access your driving portal so you just have to take their word for it, scam artists. Luckily the 1st and second strike happened on the last month of my policy so i didn't drive for the last week incase they decided to cancel and get plenty of money out of me! Greedy bast**ds RAC, liars and scam artists. Fake black box and love overcharging. Don't waste your hard earned money on this sad and pathetic company. They should have stuck to picking up broken down cars!
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Posted 4 years ago
I am Horrified with the experience and service I received I paid £250 upfront they sent me black box i I stalled it I only did 3 journeys didn’t speed once- I was then receiving constant alerts when I wasn’t even driving advising my score had dropped below 75 it was on 39 , If it goes below 25 it would be cancelled I then read the reviews on RAC all awful every customer seems to have the same experience the black box does not work I called them as it was causing me to get very stressed they advised as I braked my score was low?? Everyone has to use there brake to drive they could not give me any other explanation as to why it was so low. I asked them to cancel it they are only refunding me £45 when I’ve not even used the insurance for a week charging me £125 cancellation fee I will be contacting the ombudsmen as the black box is a scam it doesn’t work it’s not real data please save your money and STAY AWAY this black box insurance needs to be shut down my last black box my score was 80/100 so I knew it wasn’t being calculated correctly I’m appalled by the service and the fact they have had me of for nearly 200 never ever ever would I go near or recommend this insurance I’m horrified . Con artists
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Posted 4 years ago
Had the box for a week driven the car twice my score is awful even though I have not gone over speed limit once telematics box does not Work and produces fake data 2 the ones for brake and acceleration does not work so it’s not giving a true reflection of my score I will be contacting ombudsmen
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Posted 4 years ago
I would not recommend RAC Car insurance they tried to charge me £55 before the 14 day cooling off period and 11 days before my insurance actually started. The advices was very patronising telling me it was against the law to drive a motor vehicle without insurance. The position I hold there is no doubt I would have already know this. I got a fare better deal from another insurance company. The one star was because I couldn't give no stars.
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Posted 4 years ago
RAC will not refund on an insurance policy if you are forced to work from home due to COVID 19 and if you want to make any changes to the mileage you will be charged an admin fee.
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Posted 4 years ago
Never ever use this company. Do not believe a word they say or a quote you are given or anything. Do not be sucked in by their initially cheap pricing. Awful, I hope they cease trading.
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Posted 4 years ago
The black box drained 3 brand new batteries along with quadrupling my insurance payments after the first year! Not only this but the app would record false data and reduce my driving score even if i hadnt driven my car in days. If you must get a black box please choose anybody but RAC.
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Posted 4 years ago
The black box simply does not work, most of the telematics are simply wrong, it gave me a low score once, and I never even used the car. It keeps coming up with 'tamper' messages, the website never works, emails never arrive, it's like a cheap chinese watch. AVOID LIKE THE PLAGUE
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Posted 4 years ago
Good if your car is in perfect condition, but if you have a cheap run around which isn’t perfect this policy isn’t for you. They fitted a telematics box on my car, they sensed an engine fault without it even becoming a dashboard light or causing any real problem with the car (apparently an intermittent water sensor) then continued to phone me for months and months ( mostly while I was actually driving, which in itself is a big wtf moment) and when I took it to the garage multiple times they couldn’t find anything wrong with it. Good insurance seeing as breakdown is included but a total ballache
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Posted 4 years ago
ok not bad
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Posted 4 years ago
They are selling telematics insurance but their feedback system which is supposed to show you your driving score just does not work at all. You then receive emails saying your driver score is too low & your policy is at risk of being cancelled however, you literally cannot see your driver score anywhere because their feedback system doesn't work. Customer service team are useless and basically just tell you that you will have to believe what RAC are saying because they can see the scores fine on their end???? I had to get my blackbox replaced by one of their engineers because it wasnt working properly. They still refused to reset the driver score despite the blackbox not working properly so they are relying upon faulty telematics data to determine a driver score which you can't even see. It has been more than 2 weeks since they refit the box and the portal still looks like this: https://pasteboard.co/JxFgom4.jpg Spoke with customer service who confirmed that my policy is still active & fine etc but they can't do anything about the dashboard errors because they don't know what's causing it. They are still trying to charge a £300+ cancellation fee because I am unhappy with the dodgy telematics device & portal they are marketing as 100% functional & working. Just go elsewhere for insurance as this is literally a scam.🤡🤡🤡
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Posted 4 years ago
The insurance itself is a known company and they also answer calls when you need to get in touch. However, the black box that they use is terrible. If you accelerate badly once your score will drop fully or if you have one slight heavy brake it will also drop, the main problem with this is that no matter how many good drives you do (with no ‘faults’) your score won’t increase. Your score is also determined on when and where you drive (night and ‘urban’) and to me decreasing a score because you have drive after 6pm is extremely disappointing, this also applies to where you drive as they say driving in busy roads is dangerous (I can understand that but sometimes you don’t have a choice). Overall, I don’t recommend this insurance to anyone.
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Posted 4 years ago
Horrendous to deal with , they renewed our policy before drawing the money from our bank , then said they couldn’t get their money ,but our bank said that they didn’t ask for it ! We couldn’t get through on the phone , now they are charging a couple of pensioners over £90 to cancel. We also were supposed to be self isolating but had to go to our bank . We are blue chip type of customers , if that’s the way they want to run a business I can only see them going bust .. Don’t use !!! We are also with Direct Line and have been insured with them for over twenty years and have used them for our second car now .. It,s there loss ..
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Posted 4 years ago
After unexpected sudden death of husband I phoned RAC to change the main driver name. First attempt fell on death ears. Second attempt at changing name cancelled my insurance. I did not know this until somebody reversed into me in a carpark and RAC told me that I was not covered!!!! In the end I tracked dates of conversations and they found my policy. Today I have had a phone call from the third party's insurance saying that they are not getting much help from RAC and their client has admitted responsibility. DO NOT TOUCH WITH A BARGE POLE AS THEY DENY YOU ARE INSURED!!!!!
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Posted 4 years ago
DO NOT USE THIS COMPANY We took insurance with Ageas whilst a provisional licence holder and checked out the prices when I passed which were acceptable. 6 months after the policy incepted I passed and called them to pay the extra premium. I was told Ageas can no longer do it as I have now passed but I can take another policy with Ageas. I lost 6 months NCB and have to have a black box for another 6 months - DO NOT USE
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Posted 4 years ago
Signed up for car insurance back in June as they had the cheapest premiums available, and it was not a black box policy which was great. Unfortunaley my car had a head gasket failure and it was time to get rid of it and start looking for a new one. Read lots of bad reviews regarding RAC cancellations but I got through to a woman from sunderland and after explaining, my policy was cancelled within minutes and I was charged the normal cancellation fee of £55. Since I rang up 1 day before the next month started, they had already started taking around £40 so the cancellation fee I had to pay had deducted this so only had around £15 to pay. Lovely woman and lovely service :D
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Posted 4 years ago
Very quick and easy to buy insurance. Documents provided straight away. Great service.
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Posted 4 years ago
Absolutely terrible. They have a facility to show where you accelerate and brake, they claim that they do show them. However here is the catch. My black box score keeps dropping for no reason, and is triggering "events" these events should be displayed on the driver dashboard but aren't. Taking to Financial ombudsman if they do not have an answer.
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Posted 4 years ago
RAC Insurance is rated 2.2 based on 1,236 reviews