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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
About to leave RAC insurance, as Premium based on estimated mileage of 5,00 miles per year & I have only dome 147 since Taxing & Renewing in January owing to lock down. They should give refunds as they have not run the risk anticipated, so their loss ratio will be massively reduced. Utmost Good Faith should work both ways.
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(Car Insurance) - Posted 4 years ago
I had a policy with them at the start of lockdown, they cancelled my policy without telling me and I received a letter 5 days after the cancellation telling me I had no insurance. When I called to find out why it was cancelled they wouldn't tell me why and then said I also had to pay a cancellation fee of £125. Disgusted isn't a word strong enough
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Posted 4 years ago
Terrible terrible company, STAT AWAY. They sent out a black box for me to fit myself because the mechanics wouldn't come out to do it. The black box turned up 1 days before the cancellation point of it not being fitted. I fitted it to the car and it blew all of the fuses and the car wouldn't start, rac blackbox then said that it had to be fitted even if the car wasn't usable. They also refused to pay for the damage that the box did to all of the fuses, its a brand new car only 1000 miles on the clock and they wouldnt sort it, they then said it had to be fitted by 5pm that evening or they would cancel it. So tried to fit it again to prove it was connected, and then received an email telling me that they had cancelled my policy anyway. So now I'm left with no insurance and a brand new car with the fuses broken to the point where it won't turn on. I dog could run that company better then the people working there, they have no interest in helping at all.
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Posted 4 years ago
Absolutely terrible service. Letter turns up 5 days after renewal and apparently 2 emails sent with renewal notice but have seen nothing. If they don't get a reply they renew at £15 a month higher than before! And then if you want to cancel 5 days in they charge you £85. Absolutely horrendous service. Do not do it!
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Posted 4 years ago
hassle free easy to understand
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Posted 4 years ago
Cancellation fee is £55. Which for a motorbike where insurance only cost approx £150 is very steep.
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Posted 4 years ago
Cancel policy one day after renewal and charged £35
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Posted 4 years ago
Bought insurance from RAC on 5th of July then my policy started at 31st ,after 15 days I received black box from them, I did not know that the insurance I bought is with so called telematics which is also same thing as black box I told them that I did not need this policy coz I’m not young or newly driver,I decided to cancel my policy with RAC because of the black box which in the end caused me £125 cancellation fee plus £28 for 15 days I’ve used . I should have read all the reviews before about RAC , I would never ever get close to this insurance company, Greedy.......
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Posted 4 years ago
I agree with the retired insurance and automotive professional. Shocking system. Should be investigated by the ombudsman.
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Posted 4 years ago
I wouldn't even give them one star. They are the worst insurance company i have ever been with. I have received 2 emails telling me how they are going to cancel my policy for no reason whatsoever and now after they said on the phone that everything is fine and that my insurance won’t be cancelled. Just got another email saying how they are sorry to hear that I want to cancel my insurance like where the hell did, they get that from. AWFUL INSURANCE
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Posted 4 years ago
They renew without notifying you then over 1 hour trying to contact them to see what they charged me online site shut for maintenance phone number not working I HAVE RAC RELAY been with them 20 years NEVER EVER AGAIN WILL I TOUCH RAC
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Posted 4 years ago
Initial price was supplied but after calling it went down slightly which was the premium we hoped to get however as we had not contacted them they just put in place the original price which we did not expect as now every penny counts...trying to get any sense from the customer service reps was a total waste of time they are hopeless and all they seem to want is your money and do not give a s... about you the customer, Trying to get a Customer complaints e mail address is next to asking for an audience with the pope and trying to get the CEOs e mail ...impossible. Clearly a company who DO NOT CARE about their customers ,,Although we did re-new it was purely down to the price service as already mentioned is totally appalling
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Posted 4 years ago
As a retired insurance and automotive professional I was asked by my 38 year daughter to help out with the renewal of her car insurance which had increase by £200 despite no claims or convictions. Using a comparison web site the solution was RAC Black Box Insurance, I am familiar with telematics, however there was no explanation as to the RAC driver scoring system but I was not too concerned since the car is in London most of the time. Black Box fitting requires direct wiring to the battery which must be clean for double sided sponge tape to secure. This my daughter was unable to do so threatened with cancellation and £125 fee by RAC, a neighbour attempted to fit box. As the box is not firmly secure on top of the battery she consistently gets 0 score for acceleration and braking. I now have access to her online driving telemetry and have found instances where the driving score is completely wrong due to GPS errors (speed on dual carriage way under urban single lane bridge ). Also as a London driver the urban score is always very low. Some months she does less than 200 miles which means there is no score ...Just as well as if you score less that 20% 3 times you policy will be cancelled and your record given to other insurance companies. That's called a RAC Red Event...not as bad as a RAC Black Event in which case they cancel immediately... that's for speed in excess of 20 mph of the limit. Customer support is poor and certainly inline with other comments on these reviews. So the terms and conditions are not made clear to the insured when they enter into the contract. The RAC driver measuring system cannot be reconciled by the insured, the results being displayed online with no system of appeal. The legality of an RAC Black Box Insurance Contract needs now to be challenged.
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Posted 4 years ago
Our 21 year old has been paying a premium for insurance with RAC for nearly 3 and looked to change his car half way through his pre paid insurance. £150 more to change or £125 to cancel!!! To renew with another company was £300 cheaper. Honestly robbing youngsters RAC !!!!!!
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Posted 4 years ago
Brilliant service, happy with quote
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Posted 4 years ago
6 months after knock, we are still waiting to get the car fixed. The company who work on behalf of the RAC appears to be working from home. We appreciate that this can cause difficulties but surely you work as hard from home as in the office. The work for our car has been approved but ‘Kevin’ is not replying to emails from his ‘office’ our our garage. Maybe he is out enjoying the sunny weather? But the words ‘barge pole’ and ‘don’t touch’ are currently sprinting to mind when the words RAC insurance are mentioned! Currently putting in formal complaint as they are not providing the service that we have paid for. If we could give 0 stars we would and advise RAC to use another company.
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Posted 4 years ago
No longer need two cars so decided to sell our little commute runabout. Insured in March cancelled policy in August (7months left on insurance) of the £84 pounds cost of the remaining months an admin charge of £55 pound was levied. That left a grand total of £19 pounds returned for the 7 months! No matter the reasons that is daylight robbery no ifs no buts. I could and would not recommend this company to anybody, in fact STAY WELL CLEAR
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Posted 4 years ago
I wouldn’t recommend at all!! Had a black box fitting during lockdown and I had to fit it myself and they sent me a faulty box I rang numerous time to get a new box they kept sending me emails saying my insurance was going to be cancelled. Finally 6 months later they came to fit it. Two days later I get an other email saying that my insurance is going to get cancelled again because the box that they fitted isn’t working and I have to book someone to out and fit it on the next email which they never sent. I rang up and told them what the email said they told me there was job needing to come out and fix my black box and someone would get back to me. Still waiting for someone to get back to me.
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Posted 4 years ago
If you're thinking about going with RAC, then seek out that shotgun and pull the trigger.
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Posted 4 years ago
Insured with RAC against my better judgement. Days later I'm still not on the Motor Insurance Database so can't tax or drive. Absolute joke of a company. Avoid at all costs. You have been warned. Unfortunately I am stuck with the cocksuckers for the next year.
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Posted 4 years ago
RAC Insurance is rated 2.2 based on 1,236 reviews