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

“My Son has insurance with RAC, he has just received an email to let him know his insurance is being cancelled due to three Red alerts on his black box score, none of which we have received. He hardly ever drives the car as he gets a train to work every day. What makes it worse is they have not even told him the date the insurance will be cancelled and are charging him £125.00 for them to cancel it. He is now waiting for a call back which apparently takes 48 hours, in which time he could be left with no insurance. This is disgusting behaviour on their part I would never get any insurance from them again I find this”

Helpful Report

Posted 4 years ago

“Good service”

Helpful Report

Posted 4 years ago

“Absolutely awful service from start to finish. After about a month of having my policy I received a letter saying they were going to cancel my policy. I rang them Asking why this was, they said they hadn’t received my documents (proof of driving license and V5 form) Which I had previously already uploaded and when I went into the website it said I couldn’t upload them as they had already been submitted - seemed like they just wanted to cancel my policy. They then requested I resent them to an email address linked with the RAC insurance which I did and had no issues for a week minimum. Then, my driving score on my telematics app suddenly dropped from 94 to 14 which made no sense at all. I rarely drove anywhere and when I did drive I got barely any ‘events’ (an event is basically where they consider you have done something wrong, this includes: breaking, speeding, acceleration, driving at night and driving in urban areas). It then dropped again to 13 (only by 1) however, this made no sense as I had only completed a 10 minute journey since and had no events in this journey! I then rang them to complain as this didn’t add up, I spoke to Glen who agreed this did not add up however could not deal with this issue so he said I would receive a phone call off Louise on Monday to try and look into this further (48 hours later). Louise then rang me 2 days later as planned and I was appalled with her attitude, rudeness and awful customer service skills. She said this all looked right as I do very low miles so the smallest thing can bring my score all the way down. This still didn’t add up. It’s corona virus currently and also lockdown measures are still in place (university is not open etc) so therefore my miles are lower than they used to be. However, how can this lead my score to drop so suddenly and erratically? Louise was 0 help at all and ever so rude, her customer service led me to decide to cancel my policy as the whole insurance just seems like a way to grab young people’s money and give them a heap of stress in the meantime. I would never recommend this insurance company, I understand it is quite cheap and therefore appealing but honestly, leaving them is a weight off my shoulder and I would hate any other young person to find themselves in my position. Awful insurance company with awful workers.”

Helpful Report

Posted 4 years ago

“customer service non existence do not reply to emails and when i phone i give up waiting after 15 min. Customer service is always good when they have a 0800 number”

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Posted 4 years ago

“Had a terrible experience with RAC car insurance, trust me when I say they are not a good company to deal with neither are their brokers please avoid at all costs!!”

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Posted 4 years ago

“I insured my passat 2006 with RAC and after fee days my car broke down and was not worth to repair it and as the result I had to cancel my policy in Cooling off period (before 14 days) on their website says if you cancel your policy before 14days you pay £25, but when I tried to cancel my policy they charged me another £40 for days which car was used too, you must be clear on your terms and condition.”

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Posted 4 years ago

“Cheap quote saved £90 well happy 😊”

Helpful Report

Posted 4 years ago

“My Policy is due for renewal but I am unable to cancel online Have tried a number of times to phone but have been kept waiting waiting waiting waiting totally unacceptable service. I have a feeling that they want to automatically renew then charge me a fee for cancelling. After reading their reviews I would never ever deal with them again.”

Helpful Report

Posted 4 years ago

“I took out holiday insurance with RAC for a holiday in Kraków with my daughter. Our trip to Poland was cancelled by the tour operator due to Covid-19. I asked RAC if the cover could be moved to a later date as I have rebooked my trip for next year. RAC told me I couldn’t move my insurance, so I have a weeks holiday insurance while I’m at home. I won’t be using RAC again for anything.”

Helpful Report

Posted 4 years ago

“I wish I'd known about these con artists before my son took out his insurance. He's 21 and just had his black box insurance cancelled, saying he's had three alerts, of which only the last one arrived. When we eventually got through, it was someone working from home, who said we would get a call back. Someone called back NOT the same day but the day after and when we queried the lack of alerts, we were told they didn't officially need to, so tough luck (in as many words) I asked how was he meant to know he was at risk of cancellation if no alerts came, and alter his driving. We were told we could have rung at any time we wanted to check!?!?! and/or log on to the app (which hardly ever works and is never showing current data) We were told there is nothing that can be done, despite me asking to wait until proof of how they calculated the driving score and proof of the email alerts that were claimed to have been sent. The guy on the phone got quite shirty when I was asking questions and wanting answers and basically told me that's how it is (basically sticking two fingers up) I am still awaiting the promised email of proof four days later. Oh and they want to charge my son to cancel the policy, even though it's them cancelling it, they say there is a cancellation fee of over £100!!!! Absolute joke of an insurance company. Just suppose glad we didn't need to use them for a claim. AVOID”

Helpful Report

Posted 4 years ago

“Just had an email to say monthly payment hadn't gone through. Phoned within 30 mins of receiving message. It was due to my card having gone out of date gave them my new card details straight away they still insisted on charging me £20 for late payment. Thanks RAC for looking to screw me for every bit of money you can. Won't be renewing my insurance with you next month, not that that will bother you, reading these reviews looks like you are out to take whatever you can from people!!”

Helpful Report

Posted 4 years ago

“My 19 year old son has today just had his black box insurance cancelled reason given saying it is his 3rd red alert. We have no previous warnings at all and given that he hasn't driven the car since 29th March - hasn't left the drive once - this is quite unbelievable. Impossible to reach, was on hold for over 3 hours yesterday then when it got to 6pm (their closing time), it just cut off. Been on hold for over an hour this morning. Please avoid - even if you have to pay extra elsewhere - total con.”

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Posted 4 years ago

“I know it's hard to contact firms whilst the world has gone mad with covid 19 However i have emailed and phoned constantly for weeks without any reply Not even an acknowledgement to say they have received my email and will deal with it in due course Very quick to take your money tho First and last time I will use RAC”

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Posted 4 years ago

“Have been with RAC home insurance for 3 years. I have changed profession and contacted RAC to tell them my profession changed from full time student to full time teacher. RAC Have charged me a £30 admin fee to do this! The call lasted two minutes & they still charge even if you do it yourself online. I have given them my custom for 3 years and renewed policies with them and this is how they treat loyal customers. I will not be using RAC in the future and would not recommend using them. Very disappointing and unfair service to loyal customer. This sounds like a greedy money making scam to squeeze more money from customers.”

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Posted 4 years ago

“Rac sent a blackbox for me to self install after 3 months of having the policy. Now after having the insurance for 10 months they want to cancel it stating I did not fit the blackbox. But the blackbox was fitted straight away They also want to charge me £300. This is totally out of order. I will never ever buy RAC again even if its the cheapest thing on earth. Please avoid Rac at all cost.”

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Posted 4 years ago

“No customer service No connection to excellent service previous received by RAC breakdown Entirely outsourced to unrelated companies such as CoPlus (see trust pilot) I feel I was misled by the offer of a known brand and experience. Instead I've been passed along a line of variable companies to a completely dissatisfactory outcome with no sh*ts given by the people I thought I was insured by and their responsibility in ensuring their recommendations are of the same perceived values as themselves. Instead they have completely disassociated themselves and given no customer service. I am glad that the worst accident was someone smashing my wing mirror- 4.5months later this isn't resolved! Imagine something more serious! A deceitful and misleading product. Avoid”

Helpful Report

Posted 4 years ago

“£55 cancellation fee ..representative was really apologisetic... how can they state that”

Helpful Report

Posted 4 years ago

“Insurance was sorted in 5 minutes easy to use and a good quote”

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Posted 4 years ago

“My 19 year old son had RAC black box insurance they cancelled giving us a days notice by letter, I phoned them up customer service shocking they said he had 3 red alerts which we hadn’t been notified by text phone nothing, they more or less said hard luck, ombudsman need to have a look at how they work, disgusting”

Helpful Report

Posted 4 years ago

“My son has been insured with RAC black box for the past 9 months, recently his circumstances have changed due to work resulting in him driving more miles and therefore initially added a further 2000 miles to his policy. More recently, he firstly received an email informing him that his mileage will be automatically increased, followed by a second email stating his policy will be terminated. Speaking to RAC, they informed him that the underwriters we're not willing to insure him for over 10,000 miles, this I would understand if he had a poor black box record, however, his record is excellent and taking into account they had previously increased his milage we were left frustrated to say the least that RAC we're no longer willing to insure him. Maybe I've missed something, please show me in legislation where a young driver is only permitted to drive 10,000 miles because I'm struggling to find it! RAC did offer an alternative underwriter at a cost of approx. 2K, unrealistic and quite frankly insulting, there seems to be a desire to drain the youth of as much money as feasibly possible, almost preventing the young man getting to work! He is now moving his insurance, unfortunately at an increased cost, he was three months away from earning his first year of no claims, however, RAC have taken that away from him at our expense. I am disgusted that you also have the audacity to charge him £125 to cancel his policy, what exactly do we get for £125? I'm really struggling to understand what would warrant this expense and I doubt we are getting value for money, unless of course you can demonstrate that it takes one of your employees an entire day to cancel policies! RAC has wasted his opportunity to build up his no claims by failing to account and accommodate peoples changes in circumstances, you should be ashamed of your rather poor service given the incredible cost in the first instance.”

Helpful Report

Posted 4 years ago

RAC Insurance is rated 2.2 based on 1,225 reviews