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RAC Insurance Reviews

2.2 Rating 1,241 Reviews
30 %
of reviewers recommend RAC Insurance
2.2
Based on 1,241 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
Never again got policy restarting and payments going up each month was rediculas
Helpful Report
(Car Insurance) - Posted 4 years ago
Helpful customer service
Helpful Report
(Car Insurance) - Posted 4 years ago
If you are on the fence as a new driver, on whether to take RAC I strongly advise you read this. Price-wise it seemed good, for a first year driver. Didn't mind having a black box fitted etc. Now 10 months in, my policy has been cancelled (I paid this upfront so I have essentially lost my last 2 months worth, as well as my NCB and now having to declare the cancellation to new quotes). In an ongoing dispute with them over this but it has left myself, a key worker in a nightmare position. I am now out of pocket indefinitely and forced to find a new policy urgently. Basically the box triggered "red-alerts" three times due to low scoring and RAC/underwriters failed to communicate with me on all occasions, first I was made aware of this was coming home to a letter at the end of the week stating it has been cancelled (with no reason stated). Through escalation I keep being told they cannot do anything over it. If they manage to give me a good resolution I will of course update this review but I am sceptical so far. I raised my concerns 6 months ago, about the accuracy and validity of the black box but the response went radio silent. If you have read this far, please for the love of god suck up the extra couple hundred £'s at the outset and avoid these like the plague. This will protect your insurance and NCB in your future years.
Helpful Report
Posted 4 years ago
Customer service is poor. I was told the wrong information on a series of phone calls after an accident. Additional money was removed from my account which was EVENTUALLY refunded. I was told more than once, by more than one person, that I had already been refunded £25, part of the amount I was contesting. No I hadn't. The rest (£40) shouldn't have been charged in the first place. I'd been told after adjusting my policy, that I'd actually be due a bit of a refund! I was offered £10 compensation. I was told that they wouldn't check all the recorded phone calls as I requested. I was told that staff training wouldn't be changed to reflect my complaint. Only the last person I'd spoken to would alerted to any mistakes made. Even though others had given me wrong information too. They don't seem to be interested in improving their customer service at all. Won't be renewing with them.
Helpful Report
Posted 4 years ago
Very very bad decision to purchase insurance from RAC. Don’t know the outcome of my claim or even if it’s really being considered. They send you to a company called CSAL who are not interested in communication. Several months in and no response to any attempt to find out what (if anything) is happening. My advice would be to deal with an actual insurance company who have an interest in looking after customers for repeat business. Sadly RAC don’t appear to fall into this category. Avoid avoid avoid.
Helpful Report
Posted 4 years ago
Tried to change my insurance when I changed my car from a bmw 4 series to a 5 series. Told could not insure a 5 series, and as my policy had to be cancelled I was charged a £50 cancellation fee. Not my fault, not exactly a supercar but I must pay £50!!!!
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Posted 4 years ago
Setting up the direct debit and choosing your coverage was pretty straightforward, however as soon as you confirm your payment that's when the customer service quality disappears. No further communication, no access to policy documents, website malfunctioning etc.
Helpful Report
Posted 4 years ago
I cancelled the policy within the cooling off period because they were very dictatorial in their communications. They told me I had to have a black box which would monitor all my driving and parking, and where I was visiting etc. I was told my no claims was incorrect and I was lying on my application. There was an error from my previous insurance companies which I contacted and sorted out. I decided I did not want to be insured by the RAC so I changed my insurance company.
Helpful Report
(Car Insurance) - Posted 4 years ago
AVOID like the plague or COVID 19 if you can. Black box interfered with the Merc on board computer of my car and caused it to go into limp mode. Car would not accelerate above 40mph - causing many dangerous instances. Merc charged me £45 everytime they needed to remove this black box to access the OBD port which is usually free. Finally got the black box moved using a RAC engineer to the batter - only to receive email from RAC that my policy is cancelled as the black box is now not working. AVOID AVOID AVOID. RAC shoould not be fiddling with customers cars.... you will spend more in the long term and SUFFER for no fault of yours. SHAME ON YOU RAC
Helpful Report
Posted 4 years ago
Just obtained an online quote from RAC for car insurance. Quoted over four times as much as other top 5-star defacto rated insurance companies. Obviously I will not be taking out a policy with RAC and it's likely I will obtain future quotes.
Helpful Report
Posted 4 years ago
Do not use the RAC for insurance ,my premium was almost doubled after first year ,no claims no convictions no explanation customer service non-existent, a very strange company.
Helpful Report
Posted 4 years ago
The black box fitted to my car ruined my ECU and the wiring loom (brand new car) taken then vehicle back to the dealership who told me that this would not be covered under warranty as it had been caused by the faulty fitting off the box. I phoned RAC and received very slow response, I was told that It would take up to 8’weeks for this to be resolved and in the meantime I was left without a car and unable to go to work.
Helpful Report
Posted 4 years ago
Do not get close to it! It is almost a scam!
Helpful Report
Posted 4 years ago
existing customers are unable to secure the same terms as new ones and there was a substantial increase in the policy when it came to renewal - far higher than alternative quotes. It is difficult to contact the RAC Insurance advisors. There is an automatic renewal option online but no ability to cancel online or via email and it can only be done via a call with an advisor. When contacting by telephone there is a minimum 15min hold each time and the advisors are unhelpful. The quality of customer service is also extremely poor.
Helpful Report
Posted 4 years ago
First they tried to put up my Insurance 50% and then when I tried to claim for a broken rear screen abroad I had to pay for it myself (not a problem) and then tried to claim only to discover that I wasn't insured by the RAC but AXA. RAC didn't answer my Emails and their automatic telephone system sent me round in circles. I'm sorry to say that I have now found a different company who are 30% cheaper and you can talk to a human straight away
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Posted 4 years ago
Easy to buy and reasonable quote
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Posted 4 years ago
⭐⭐⭐⭐⭐ Thank you rac for make this a policy is verry good...
Helpful Report
Posted 4 years ago
RAC motorcycle insurance: zero interest in customer retention + zero idea how modern comms systems work = zero repeat business from me and anyone I know. Got an email saying my insurance was to renew but no probs as they'd take payment from the same card as before. I assumed all was well and gave no thought to the fact that a card with a new expiry date had been issued. Stupid me, I assumed some humans were still involved in the process and they - being desirous of my repeat custom, would checked and let me know they needed a new expiry date. Next email tells me my insurance has lapsed. I email, wait 5 days, then phone. Rinse and repat. I check my online docs and see that now they have suddenly changed and tell me they were unable to take payment from the same source as before. More crypto security rubbish. Why not just say your expiry date has passed? I call again. After 10 minutes of sales and legal **it I am asked to hold... I wait another 15 minutes before getting bored and hanging up. Went online, got the same policy slightly cheaper from a comparison site in under 3 minutes. Jokers. I now know what RAC really stands for - but I daren't write it here. Sadly the boxes below don't have a 'couldn't communicate at all because no human would reply', or a 'never' box for how quick did they reply.
Helpful Report
Posted 4 years ago
Bad company, charged me £109 to come to my property to confirm what I already knew, then had the audacity to want to charge me a further £260 for a new battery!!! I had recovery policy with my insurance company and no charge should have been made!!!!
Helpful Report
Posted 4 years ago
Even though I had recovery on my policy, they charged me £109 to come to my property to confirm what I already knew, they then had the audacity to want to charge me a further £260 for a new battery! 🤬😠😠😠
Helpful Report
Posted 4 years ago
RAC Insurance is rated 2.2 based on 1,241 reviews