RAC Insurance Reviews

Name: RAC Insurance
Rating: 2.19

2.2 Rating 1,225 Reviews

29 %

of reviewers recommend RAC Insurance

Company Reviews

Questions

Metrics

2.2

Based on 1,225 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

“Always willing to help. Purchased a Car Breakdown Insurance from RAC. I did not get a confirmation from them. As soon I made them realise, it was quickly sent and the person on the phone was very professional.”

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Posted 3 years ago

“Very expensive. Got a cheaper quote on website. They don't want to honour it! They pass you to a third party and bang your head! Extremely poor customer service with bad attitude. doesn't take a breath while talking! Never allow the customer to talk or express him/herself! Never again! NOT RECOMMENDED Not sure what sort of training they have received? Unfortunately there is no minus score as one star is seriously too much for them.”

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Posted 3 years ago

“My experience with RAC was horrible. They sent me a black box then started sending threatening emails. I fixed the blackbox on time only for them to cancel my insurance when i was at work. I could not drive my car because of these ungrateful people. To make matters worse, they went ahead and deducted £213 from my account after they had cancelled my insurance. On enquiry, they behaved as if they were not aware that they had deducted money. These are cons... Insure with them at your own peril. Never never. Fraudsters.”

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Posted 3 years ago

“Took two payments for one vehicle and cystine service were extremely unhelpful. Very disappointing.”

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Posted 3 years ago

“Just got quote back for renewal very expensive " 1 year wonder " Then went on compare web site got it cheaper. But they would not honer it " very poor customer service " kept me on the phone for ages = STAY AWAY”

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Posted 3 years ago

“I cancelled my car insurance policy on the day it was due to expire , after speaking to them the day before trying to get a more competitive quote off them . As they were TWICE as dear as other quotes I was getting in ringing back to cancel they had already taken the full amount of the policy out of my bank account within 24 hours and said that I was ok to cancel but it will take no longer than 7 days to be credited , after a full week I'm still waiting and in ringing them today guess what all lines are closed for Xmas . Giving them a one out of five is more than they are worth . Having read the reviews they are getting I would never have gone with them in the first place , very poor”

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Posted 3 years ago

“got very reasonable price this year.”

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Posted 3 years ago

“They dont even deserve 1 star. They are just a front for other insurnace companies. You dont even deal with them, they pass the buck, fob you off, never again will i use RAC for insurance. Go elsewhere!! trust me”

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Posted 3 years ago

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Posted 3 years ago

“RIP OFF MERCHANTS!! I’d give 0 stars for customer service if I could ! I’ve Just sold my motorbike so I called to cancel insurance which has 5 months left, they then tell me I have to pay £79 cancellation fee ! Which is more than is actually left to pay on the policy; they said it’s down to the premium credit agreement they insist on but I’ve just seen premium credit don’t charge a cancellation fee so I’ve been lied to, I’ve cancelled the credit agreement online and DD so RAC you can stick it take me to court and do your worst if you wish but you will no longer get my business for the 15 company vehicles i have breakdown cover and insurance on”

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Posted 3 years ago

“An rac driver hit my parked car, they used vehicle replacement group to arrange repair. After three weeks of multiple calls that went on for hours issues still not resolved. I have an a4 as well as a new born baby and they wanted to put me in a much smaller car that would not fit push chair. I explained and they said the rac had only offered this level of replacement. They said they would process claim but they only did something when I called them. Dan, Vicki and James said a lot of things but helped very little and done even less. If this is what the rac deliver I would never consider their insurance services. This company are one of the worst I’ve ever dealt with, worse than a back street garage...AVOID”

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Posted 3 years ago

“My 18 year old grandson passed his test a couple of months ago and has effectively been shafted by Rac insurance and their underwriters He inherited his grandmas car and insured it properly (with help from parents,grandparents etc.). £1800 or so, black box and all that. Couple of weeks ago (on a Saturday night at about 2am), everyone safely tucked up in bed,with the car parked outside, theres a noise outside and there is a major incident going on (police,fire brigade,ambulances all present). Basically a young bloke with a mental problem has gone ballistic and the police are trying to subdue him, chasing him up and down the normally peaceful road with him jumping over walls etc. At some point the lad jumps on top of one of the cars on the street (you guessed it, my grandsons) and trashes it. A write off! So Following day they inform the insurance company about the incident. They expect to lose about £450 (£100 compulsory, 350 additional) but then the bastards add on another 450 because of some small print (which is now the subject of a complaint to ombudsman). Additionally they are now demanding an extra 1400 to insure him for his replacement car above the 1800 already paid. All this for something that had absolutely nothing to do with my grandson. My own insurance is with Rac, when it lapses then they will not be seeing me reinsure with them. Whoever is doing the brokering behind the scenes for Rac are doing a very bad job of customer service in my opinion.”

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Posted 3 years ago

“I am very upset with the poor customer service of RAC. I was due to renew my bike insurance which was to happen automatically and to call them to provide any new information. Having a new baby etc I hadn't yet got round to it yet. I was still within date. However I then received an email asking me to call them within a certain amount of time to provide a detailed account as to why I had not informed them of an accident that had happened. I called them immediately and explained that I hadn't yet had a chance and I hadn't yet decided to renew with them. I also explained that the accident was non liability and I had not claimed on my car insurance. I felt the initial email was accusatory and not understanding of people's lives. The person I spoke to was rude and argumentative and we kept going round in circles. When I asked to speak to a manager he wouldn't put my call through. He said my premium would go up as my car insurance provider told them the accident was still outstanding. Despite me saying I had a letter detailing its closure and the non liability. I couldn't get anywhere with the conversation and feeling accused of being a liar I cancelled and did not renew with RAC. Unsurprisingly they have not sent me any documents or asked for feedback.”

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Posted 3 years ago

“Broke down at side of road. At 9.00am this morning. Am writing this review now at 16.33pm and a driver still not got back to me. I have a newborn baby in car and when you ring up you get fobbed off with the Driver is on is way to you. I would stay well away from this company and try AA or green flag but stay well away from RAC. £120 to sit at side of road in my car that's broke down for 7 hour and 33 mins and still waiting as hes still not turned up. Pathetic. Will not be renewing and would definitely not recommend these.”

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Posted 3 years ago

“The telematics insurance is a total con if you live in a city and do lots of 'urban' driving. The scoring is random and penalises you for everything. For example it docked me points for accelerating when I was joining the flow of traffic on a busy motorway! I never speeded and never used the car after 6, but still got docked all my points - the guy on the phone could not explain this. After two red alerts I had to suck up the £125 cancel fee and leave them before they left me. Insurance is meant to bring peace of mind, but this just made me anxious!! I also have a regular flat battery due to the black box which is a common effect too apparently. Awful product, avoid at all costs.”

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Posted 3 years ago

“RAC cancelled my car insurance on the grounds that the black box was not fitted before August 31st. But it was fitted on August 29th!! Even worse: they forgot to communicate it to me. Now they refuse to acknowledge their mistake!! I can understand their initial mistake, but not that they don't take responsability. This is insane. They can't be trusted.”

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Posted 3 years ago

“Never ever again. Spent hours and hours being passed from RAC to Enterprise to AXA. Absoloutly incompetent. We were lied to constantly. Nobody wanted to help and we were told "we don't deal with this" constantly. It was a simple claim and yet was the most frustrating experience I've had making a claim . Avoid at all costs.”

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Posted 3 years ago

“Good competitive quote last year, about £200. Early this year my catalytic converter was sawn off and stolen. I enquired about claiming and was told if I do the car (23 year old BMW) would be written off. So, no claim. Renewal this year was for over £600. What? I changed company! I am sent a Proof of No Claims Discount. It stated Accidental Damage and I was at Fault. I had not made a claim and I was not at fault. Customer services directed me to Acromas, RACs insurer. They assured me “Theft” was on their records. RAC Customer services then agreed theft is on theirs too. But, I cannot get the RAC to send me an updated correct Proof of No Claims. I am presently stuck with Proof of No Claims Discount with the wrong info and successive emails to RAC customer services yields no reply. AVOID!”

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Posted 3 years ago

“Bandits. My 17 year old son passed his test last week, coinciding with joining armed forces, so he will not be using the car. Home for 2 weeks at christmas, I enquired and learned nearly £1200 extra for half a year. Cant comment on how excessive this is, but obviously not worth doing. So asked to remove from policy, to be told there was an additional £10 on the premium, for him to come off it, plus £25 admin fee. At end of policy will not renew, and will never ever use RAC again.”

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Posted 3 years ago

“I have a car insurance and rescue policy with RAC. I will not be renewing the insurance with them. They charged a penalty of £20 but delaying the payment which was due on 23/11/2020 , the DD had been declined because of 4 fraud payments to my account. They wouldn't allow me to pay with a card to avoid the £20 penalty despite the missed payment was only £24.16. This poor customer relationship, poor service”

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Posted 3 years ago

RAC Insurance is rated 2.2 based on 1,225 reviews