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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
Customer service are not very helpful not recommended
Helpful Report
Posted 3 years ago
With rac you are guilty until you prove your own innocence, you have a no blame claim where the underwriters give you proof that your no claims and excess are not affected, but rac do not accept this they just drag their heels only interested in getting your money after hours on phone,stress level through the roof,contact all other parties very satisfied with their response rac basically pass the buck with claims and customer Support refusing to engage with each other resulting in me having to pay treble yearly premiums because rac cannot be bothered to do their job with the excuse we are only the brokers,like I said Lv,/Highway could not have been more helpful rac should stand for rotten and callous.
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Posted 3 years ago
I would rate it 0 stars if I could! RAC insurance is awful. With a black box I got bad scores for a whole year when my driving was fine, I drove extra careful and still my score didn’t go up, you can’t win with this black box. Thankfully onto a better company now I wouldn’t be able to stand another minute with this company
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Posted 3 years ago
Month after purchasing insurance from Rac I changed reg plate for private. On the phone customer representative told me because I have policy just for a month he will change it for free. 5 months later letter from insurance database MID came saying that my car is not insured. Checked policy and he didn't change reg plate as requested... After changing it online they charged me £80 for change and premium increased by 5pounds/month(yes, just for a private plate!) . I decided to cancel policy what took me 4 phone calls and over an hour as advisors are hanging up... and guess what, £55 for early cancellation. Avoid.
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Posted 3 years ago
Generally good, but had some problems with login to self service online account. Also the black box telematics device was counting negative points on acceleration although my car has automatic transmission, and city and night driving which was not much practical, as I was driving mostly through city centre and working late so had to driving at night.
Helpful Report
Posted 4 years ago
I took out a car insurance policy in December with RAC, however before the policy had started I had an accident and wrote off my car. Phoned on the day of the accident to tell them I may not need the policy, and was told there would be no charge provided I cancelled it prior to the policy actually starting. When I phoned just before the policy was due to end I spoke to someone called Wayne. He incorrectly insisted I would have to pay £55 because the following off period started as soon as I received the documents, not when the policy started. This is not true. I felt like I was being coerced into paying it, but queried why I had been told otherwise by another member of the team previously. He then claimed it would only be £25, but in his own words said “if it was up to me, I would charge you £55. The computer is being nice“ There was absolutely no customer service, and generally a terrible attitude from him. When I asked to review why I had been told otherwise and listen to the previous call recording, he then suddenly started to backtrack. He then decided I wouldn’t need to pay anything at all, and he could process the refund for my deposit right away. I asked to escalate the matter, as I felt if he was trying this with me, then he has clearly tried it with other customers who may have ended up paying a fee that they weren’t obliged to. His actions felt dishonest and unethical. After having a serious accident and having to deal with the challenging situation of replacing the vehicle etc, speaking to someone who was as breathtakingly rude as he was, was the last thing anyone would need. Based on my experiences I would never recommend RAC car insurance to anyone else, nor will I use it in the future. I did make a complaint about what had happened, however I have little faith in them actually doing anything about it.
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Posted 4 years ago
Terrible customer service and useless at keeping me as a customer updated on what was happening with my policy. Numerous times they sent me cancellation emails for me to call up then they say it was a mistake.
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Posted 4 years ago
Just awful. Cancellation process very difficult and protracted. Did not make clear that an outstanding payment was due, and great trouble following this up and sorting it out. Do not use!
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Posted 4 years ago
I’ve been an RAC insurance customer in the past. They tripled my insurance when it came to renew which I obviously cancelled. It’s that time where I need to renew my insurance again and I’ve been given a quote for £2700 whereas I’m being quoted £500-£600 on most comparison websites. Prices embarrassingly high, it’s almost like they don’t want your business.
Helpful Report
Posted 4 years ago
Awful insurance company. Do not use. I joined RAC in June as part of the black box cover insurance as I am a young driver. I have had many issues with the black box and it has repeatedly gave “red alerts” suggesting that I am am over the speed limit. I queried this with the team and they assured me it was a technical error on their part and compensated me previously for any issues caused after weeks of dispute. On 11:45 on New Year’s Day morning I received a text messaged from the RAC saying that my policy was now cancelled from 23:59 on the 31/12/20 due to receiving a red alert. Meaning I had been left with no car insurance and was not aware of this until after the policy had already ended. I called RAC and asked to dispute this cancellation as I believe it was unjust and I believe you should received a weeks notice to dispute a cancellation. They told me I could not reinstate the contract as it had already been cancelled. They stated that a letter was sent on 23/12 to inform me of the cancellation, however now on the 06/01 I still have not received said letter. I received no email or text prior to the cancellation to inform me and the text on the 01/01 was the first that I was made aware of the cancellation. Due to having no insurance I could not go to work the following day as I had no means of transport (I am a senior staff nurse working for the NHS looking after mainly covid patients) this left my unit short staffed in an already understaffed and highly stressful situation. I had also been using my car that morning prior to receiving the text at 11:45 which put me in a very horrible and dangerous situation leaving me very shaken and emotionally distressed due to the awful running of this company. This whole situation has impacted my work life and impacted me mentally. RAC should be ashamed of treating their customers like this and endangering motorists by cancelling policy’s without informing the drivers prior to cancellation. I will never use the RAC again. This whole situation has been awful and the issue is still not resolved after multiple phone calls with the RAC I am still waiting for customer services to call me back to discuss this in depth when I was told I would be called on 04/01. I will be escalating this to the BBC watchdog as I feel the treatment from this company is horrendous and no one should experience this.
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Posted 4 years ago
Contacted RAC today for the first time . A man named Keith was sent out to me at 01LL and arrived within 20 minutes of making the phone call. Keith dianogised the issue very quickly . Very happy with service and staff . Thank you
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Posted 4 years ago
I was insured with the RAC Telematics insurance for 11 months. During the duration of my policy, I was having issues with the telematics box displaying speeding in areas where I was not speeding. Got in touch with RAC to inform them that a road I drove regularly had been updated and with that, the road speed limit changed. Even after numerous calls, it still flagged as speeding when I looked back at previous journeys I was making. During the final month of my policy, I received an email to inform me that I had been issued a 'Black warning' and that my policy would be cancelled in seven days. I got in touch, asked them to confirm when and where this was, to be told it was along the same road I had raised issues with. Tried disputing this, asked them to retrieve previous call logs where I had discussed this issue multiple times. They didn't budge and I was basically told there was nothing I could do, it was cancelled and that the telematics box installed in my vehicle is 99% accurate. Leaving 1% for an error where they can cancel a policy which now affects me getting insurance for the rest of my driving life. Time has come around for my to re-insure my car a year after this and I am struggling to get insurance under £1,500. Considering before this incident I was paying £500 but chose the RAC Telematics insurance to get it lower. A decision to save a few pounds has resulted in me paying hundreds more later on...
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Posted 4 years ago
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 4 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 4 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 4 years ago
Took two payments for one vehicle and cystine service were extremely unhelpful. Very disappointing.
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Posted 4 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 4 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 4 years ago
got very reasonable price this year.
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Posted 4 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 4 years ago
RAC Insurance is rated 2.2 based on 1,236 reviews