RAC Insurance Reviews

"Save your money and go somewhere else. RAC WA Home Insurance is nothing more than a legalised scam. A 1 star rating from over 100 hundred reviews cannot be wrong.\r\nOur house was flooded after a burst water main; Open and shut accidental damage claim. After months of delays RAC denied the claim saying the flood didn't cause any damage. A Engineering report commissioned by RAC even stated there was damage likely caused by the flood.\r\n\r\nSeems like Delay, Defend, Deny is alive and well and being operated by RAC WA Home Insurance."

"I have had an absolutely appalling experience with RAC and feel compelled to share my ordeal to warn others.\r\n\r\nOn the 1st December 2024, I reported a breakdown at 20:19, expecting the professional and reliable service I had paid for. What followed was over 8 hours plus of waiting in freezing conditions with inconsistent updates, which I had to keep calling in repeatedly myself , lack of empathy, and ultimately being stranded. The estimated arrival times kept shifting\u2014from 21:40-22:40,12:20am-3:20am to an outrageous 7:30am-10:30am. This caused me to miss my hotel booking, as RAC patrol could only take me to only one place either the hotel or back home.\r\n\r\nDespite explaining to RAC that I needed medication at 22:20 due to a pre-existing condition (which I hadn\u2019t expected to need during a breakdown), their responses were dismissive and unhelpful. When I finally got through to Emily, she suggested I cancel the callout and rebook, which would\u2019ve meant waiting even longer. No solutions were offered for what to do during the long wait, and at one point, I was even told not to call back.\r\n\r\nBy the time help finally arrived at 2:24am, I had endured over 7 hours plus of frustration, freezing cold, and rising stress, which impacted my health as a diabetic with high blood pressure. I could barely feel my feet as it was freezing cold. \r\n\r\nThey sent out an independent breakdown company who found me shivering with cold and reported back to his head office that this call out should\u2019ve been a priority with the state he found me in and especially with my medical condition. To which his office replied back which I heard myself was that it\u2019s not been sent to us as a priority yet stressing numerously to RAC about my medical condition they didn\u2019t really care or pass it on to the company who came to me on there behalf. \r\n\r\nThe saga didn\u2019t end there. Over the following days, communication was a disaster. I was repeatedly told incorrect information, including that my vehicle had been delivered to the garage when it hadn\u2019t. Today being the 4th or December 2024, I was promised a rental vehicle from Enterprise, which I needed urgently due to RAC\u2019s failure to tow my van on the night of the breakdown.\r\n\r\nI was picked up by the car rental company and as I arrived at Enterprise, they informed me that the rental was for a manual vehicle, despite being given a choice for a manual or an automatic by the RAC representative themselves I opted for an automatic. I contacted RAC to resolve this as being asked by enterprise rentals thinking it was an oversight by them and spoke with a representative named Heather, whose behavior was appalling and humiliating. She accused me\u2014without any evidence\u2014of using my van for business purposes and abruptly canceled the rental vehicle and even refused me my own vehicle back which has been stored by them\/their independent contractor due to them not being able to bring it back to bradford as my RAC covers me to be taken anywhere of the time of breakdown if they can\u2019t fix it plus car hire to get me to my destitution for 3 days.\r\n\r\nHeather also claimed she had accessed my business details and made unwarranted assumptions based on my company being registered to my home address. I explained, repeatedly, that my van is solely for personal use and that my insurance, logbook, and council records permit records all reflect this. Her behavior was utterly unprofessional; she hung up on me, leaving me stranded and embarrassed in front of a room full of people at the Enterprise office including their staff. \r\n\r\nI had to arrange and pay for an Uber to get home, as neither RAC nor Enterprise offered me any assistance back. This entire experience has been humiliating, distressing, and unacceptable.\r\n\r\nI am pursuing formal complaints with the Financial Ombudsman and exploring legal options for breach of contract and emotional distress caused by this appalling service.\r\n\r\nIf you\u2019re considering RAC, I urge you to think twice. This experience has left me deeply disappointed and without trust in their services."

"I have had an absolutely appalling experience with RAC and feel compelled to share my ordeal to warn others.\r\n\r\nOn the 1st December 2024, I reported a breakdown at 20:19, expecting the professional and reliable service I had paid for. What followed was over 8 hours plus of waiting in freezing conditions with inconsistent updates, which I had to keep calling in repeatedly myself , lack of empathy, and ultimately being stranded. The estimated arrival times kept shifting\u2014from 21:40-22:40,12:20am-3:20am to an outrageous 7:30am-10:30am. This caused me to miss my hotel booking, as RAC patrol could only take me to only one place either the hotel or back home.\r\n\r\nDespite explaining to RAC that I needed medication at 22:20 due to a pre-existing condition (which I hadn\u2019t expected to need during a breakdown), their responses were dismissive and unhelpful. When I finally got through to Emily, she suggested I cancel the callout and rebook, which would\u2019ve meant waiting even longer. No solutions were offered for what to do during the long wait, and at one point, I was even told not to call back.\r\n\r\nBy the time help finally arrived at 2:24am, I had endured over 7 hours plus of frustration, freezing cold, and rising stress, which impacted my health as a diabetic with high blood pressure. I could barely feel my feet as it was freezing cold. \r\n\r\nThey sent out an independent breakdown company who found me shivering with cold and reported back to his head office that this call out should\u2019ve been a priority with the state he found me in and especially with my medical condition. To which his office replied back which I heard myself was that it\u2019s not been sent to us as a priority yet stressing numerously to RAC about my medical condition they didn\u2019t really care or pass it on to the company who came to me on there behalf. \r\n\r\nThe saga didn\u2019t end there. Over the following days, communication was a disaster. I was repeatedly told incorrect information, including that my vehicle had been delivered to the garage when it hadn\u2019t. Today being the 4th or December 2024, I was promised a rental vehicle from Enterprise, which I needed urgently due to RAC\u2019s failure to tow my van on the night of the breakdown.\r\n\r\nI was picked up by the car rental company and as I arrived at Enterprise, they informed me that the rental was for a manual vehicle, despite being given a choice for a manual or an automatic by the RAC representative themselves I opted for an automatic. I contacted RAC to resolve this as being asked by enterprise rentals thinking it was an oversight by them and spoke with a representative named Heather, whose behavior was appalling and humiliating. She accused me\u2014without any evidence\u2014of using my van for business purposes and abruptly canceled the rental vehicle and even refused me my own vehicle back which has been stored by them\/their independent contractor due to them not being able to bring it back to bradford as my RAC covers me to be taken anywhere of the time of breakdown if they can\u2019t fix it plus car hire to get me to my destitution for 3 days.\r\n\r\nHeather also claimed she had accessed my business details and made unwarranted assumptions based on my company being registered to my home address. I explained, repeatedly, that my van is solely for personal use and that my insurance, logbook, and council records permit records all reflect this. Her behavior was utterly unprofessional; she hung up on me, leaving me stranded and embarrassed in front of a room full of people at the Enterprise office including their staff. \r\n\r\nI had to arrange and pay for an Uber to get home, as neither RAC nor Enterprise offered me any assistance back. This entire experience has been humiliating, distressing, and unacceptable.\r\n\r\nI am pursuing formal complaints with the Financial Ombudsman and exploring legal options for breach of contract and emotional distress caused by this appalling service.\r\n\r\nIf you\u2019re considering RAC, I urge you to think twice. This experience has left me deeply disappointed and without trust in their services."

"I have had an absolutely appalling experience with RAC and feel compelled to share my ordeal to warn others.\r\n\r\nOn the 1st December 2024, I reported a breakdown at 20:19, expecting the professional and reliable service I had paid for. What followed was over 8 hours plus of waiting in freezing conditions with inconsistent updates, which I had to keep calling in repeatedly myself , lack of empathy, and ultimately being stranded. The estimated arrival times kept shifting\u2014from 21:40-22:40,12:20am-3:20am to an outrageous 7:30am-10:30am. This caused me to miss my hotel booking, as RAC patrol could only take me to only one place either the hotel or back home.\r\n\r\nDespite explaining to RAC that I needed medication at 22:20 due to a pre-existing condition (which I hadn\u2019t expected to need during a breakdown), their responses were dismissive and unhelpful. When I finally got through to Emily, she suggested I cancel the callout and rebook, which would\u2019ve meant waiting even longer. No solutions were offered for what to do during the long wait, and at one point, I was even told not to call back.\r\n\r\nBy the time help finally arrived at 2:24am, I had endured over 7 hours plus of frustration, freezing cold, and rising stress, which impacted my health as a diabetic with high blood pressure. I could barely feel my feet as it was freezing cold. \r\n\r\nThey sent out an independent breakdown company who found me shivering with cold and reported back to his head office that this call out should\u2019ve been a priority with the state he found me in and especially with my medical condition. To which his office replied back which I heard myself was that it\u2019s not been sent to us as a priority yet stressing numerously to RAC about my medical condition they didn\u2019t really care or pass it on to the company who came to me on there behalf. \r\n\r\nThe saga didn\u2019t end there. Over the following days, communication was a disaster. I was repeatedly told incorrect information, including that my vehicle had been delivered to the garage when it hadn\u2019t. Today being the 4th or December 2024, I was promised a rental vehicle from Enterprise, which I needed urgently due to RAC\u2019s failure to tow my van on the night of the breakdown.\r\n\r\nI was picked up by the car rental company and as I arrived at Enterprise, they informed me that the rental was for a manual vehicle, despite being given a choice for a manual or an automatic by the RAC representative themselves I opted for an automatic. I contacted RAC to resolve this as being asked by enterprise rentals thinking it was an oversight by them and spoke with a representative named Heather, whose behavior was appalling and humiliating. She accused me\u2014without any evidence\u2014of using my van for business purposes and abruptly canceled the rental vehicle and even refused me my own vehicle back which has been stored by them\/their independent contractor due to them not being able to bring it back to bradford as my RAC covers me to be taken anywhere of the time of breakdown if they can\u2019t fix it plus car hire to get me to my destitution for 3 days.\r\n\r\nHeather also claimed she had accessed my business details and made unwarranted assumptions based on my company being registered to my home address. I explained, repeatedly, that my van is solely for personal use and that my insurance, logbook, and council records permit records all reflect this. Her behavior was utterly unprofessional; she hung up on me, leaving me stranded and embarrassed in front of a room full of people at the Enterprise office including their staff. \r\n\r\nI had to arrange and pay for an Uber to get home, as neither RAC nor Enterprise offered me any assistance back. This entire experience has been humiliating, distressing, and unacceptable.\r\n\r\nI am pursuing formal complaints with the Financial Ombudsman and exploring legal options for breach of contract and emotional distress caused by this appalling service.\r\n\r\nIf you\u2019re considering RAC, I urge you to think twice. This experience has left me deeply disappointed and without trust in their services."

"I tried to call them but was told RAC does not do quotes over the phone. I tried to do it online but was told to contact live chat. Live chat told me they cannot do quotes over chat. What is wrong with you????\r\nWhat happened to customer service???\r\nWhy do you hate talking to people so much???"

"Avoid this company at all cost!!!! \r\nAbsolutely disgraceful! \r\n\r\nReward loyal customers with 330% premium increases 9 years no claims no points not even as much as a window chip claim disgraceful. Price gone from 50pm to 177pm with no justification no notification and or reasoning. Diabolical and leaves a very bad taste.\r\n\r\n when phoned to question why Hassan at customer services finds it highly hilarious and just laughs down phone saying inflation. \r\n\r\nNo renewal quote delivered to me at address no call or notification Hassan stated renewals only given to customer if requested else it just rolls over year by year and they can charge what they want when they want. \r\n\r\nPlease avoid this company they deserve the same loyalty they show loyal customers"

"I would give a minus 1 if possible . My car has been in the car pound since it skidded on the M1 last Thursday 15 December. Have rang every day to various numbers to find out when it will be moved to the garage. No one has had any idea , this morning I insisted that I should talk to a manager and was told they don\u2019t know which garage it will be sent to and probably won\u2019t be moved now until the New Year . Despite the accident being 8 days ago. They also will not give me a courtesy car until it reaches a garage and then only if one is available. I also paid to protect my No claims bonus (8 years ) but I\u2019m losing that too as my car skidded on ice . No one has a clue what they are doing. Do not use this company they are absolute rubbish . DO NOT USE RAC !!!!"