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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
Insured my car with RAC I have just moved home literally around the corner same village, they are charging me £25 admin and increasing my monthly payments due to higher risk. Disgusting thieves!!! Roll on February. Then had the cheek to ask me when my home insurance renewal was due as if I would chose them!!!
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Posted 5 years ago
Just had to call regarding my policy and to change a few details. I was helped by a lady called jasmine who was fantastic! So helpful, patient and actually sounded like she wanted to help me. She even offered me a cheaper policy without me even asking for it!!!! Well done Rac and thank you Jasmine for making my life easier today. 😊
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Posted 5 years ago
Car broke down, I have extended warranty from dealership which covers for breakdown repairs with rac. However, the amount of nonsense the claims department @therac (assurant insurance company) comes up with is so irrelevant and ridiculous it's beyond belief. Trying to make any excuse not to pay for the repairs. The car is under warranty and if the parts fail then you fix it. What's the point of them existing if they don't do their job!! Emma at rac claims dept is the worst person i have ever come across. She is just horrible. Throws you the must ridiculous things they want to even process the repairs. So car still sitting at the garage because she's on some power-trip. The worst thing is her colleague gave the go ahead but she refuses to process it. So @therac @assurant.com you need to address this major problem aka Emma who works at rac claims assurant.com 03301003305
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Posted 5 years ago
Please avoid this company, courtesy car was included in the rac breakdown and car insurance policies. When our car breakdown I called them to book mechanic, we was waiting all day, without updates, you need to call them to check. They transfer the calls to someone else, which wasn’t helpful. Booked courtesy car, and the booking was confirmed twice. Went to pick up the courtesy car, and and I was told the booking wasn’t confirmed in their system. I call rac to check what is going on, they was telling me the booking was confirmed, and after few phone calls with different people, courtesy car wasn’t provided. Very bad experience with this company, and they charge you £110 p/m for that and can not help at all when you need them!
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Posted 5 years ago
Outrageous premiums - by changing insurer, we cut our annual fee fm £480 to £136 for the same level of service.
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Posted 5 years ago
Sold my car. Had 3 months insurance left. Charged me to leave. Be wary of this con
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Posted 5 years ago
Got insurance with them yesterday, including free breakdown assistance. Cars battery went flat, called them up and they came out. The battery was faulty. They replaced it. Was great
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Posted 5 years ago
very easy to set up , but expensive on my citreon cheap on my old volvo estate
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Posted 5 years ago
Shocking scam of a company.My daughter purchased her black box insurance with them as a young driver this was the cheapest way. She had 2 not at fault claims within a week of each other.1st was by a car in a left turn only lane(the insurance agent from the 1st call googled it and even said the other vehicle was in the wrong) and 2nd a hit and run(cctv is available but this hasnt been followed up as enterprise"are not a insurance company and cant request cctv!!!)Both reported within a few hours.Its now nearly a month since the 1st and she has been passed from pillar to post as rac keep passing her to Enterprise, She pays her money to rac so why aren't they dealing with it?Has been told she will have to pay her excess which means she will lose her no claims next year but claiming for 2 accidents which were not her fault.Penalising young drivers because they can't be bothered to do their job;I have made a formal complaint which will be escalated to the ombudsmen if not sorted.AVOID THIS COMPANY
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Posted 5 years ago
Worst customer services i've experienced. Kept me on the line for 15 minutes and forwarded my call between 3 different departments, just to cancel the policy. I was calling from Asia, so the call alone cost 25 pounds! Disastrous.
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Posted 5 years ago
By far the worst experience I have experienced in over 45 years of driving. They simply do not progress your claim, they come up with every excuse, thier agents ( Enterprise) delay teh claim then pass it back to the insured. They take your money and do not manage a claim. Please take my advice, I learnt the hard way. Please do not use RAC Insurance.
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Posted 5 years ago
Terrible insurance company, an absolute scam for young drivers. Had consistent problems with RAC over the course of the year and would highly recommend that everyone avoids them
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Posted 5 years ago
Recently moved house and rang RAC with change of address, firstly they gave my address as South Humberside an Authority/County/Address which has not existed since 1996. secondly they bumped my insurance up by £43 for 7 months and to top it all charged me £25 on top for the privilege. When I said ok I will cancel my policy they said oh that will cost £55. Absolute Rip off will not use them again
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Posted 5 years ago
Absolutely shocked that even though I I provided my no claims information, they refused it and pushed up my car insurance by over £80. When I said I can get my insurance cheaper elsewhere, they charged me over £50 to end it !!! No customer support or personal contact, only standard emails. Appalling.
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Posted 5 years ago
Before I went on holiday, I called RAC car insurance on 5 Sept 2019 to renew my policy (as it expired on 10 Sept) we changed my payment card details and the lady said that everything is fine and that the payment will go off on the 10 Sept. Thinking everything is ok. I am currently in a different country for a few weeks. I received an email to say: 1 My payment was declined 2 I will be charged £20 for late payment. 3 If I dont renew they will cancel my policy. Obviously they messed up. Now I am stressing on my suppose to be relaxing holiday trying to get in touch with them. I cant call them due to my phones roaming settings but also why should I pay for the international call? I tried to get in touch by the website, not even an email address I can contact. Yes I can log into my account, but all it says is to call them. RAC CAR INSURANCE PLEASE CALL ME ASAP. If I dont get in touch my policy will be cancelled and if something had to happen to my car while I am gone then I am not insured.
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Posted 5 years ago
Before I went on holiday, I called RAC car insurance on 5 Sept 2019 to renew my policy (as it expired on 10 Sept) we changed my payment card details and the lady said that everything is fine and that the payment will go off on the 10 Sept. Thinking everything is ok. I am currently in a different country for a few weeks. I received an email to say: 1 My payment was declined 2 I will be charged £20 for late payment. 3 If I dont renew they will cancel my policy. Obviously they messed up. Now I am stressing on my suppose to be relaxing holiday trying to get in touch with them. I cant call them due to my phones roaming settings but also why should I pay for the international call? I tried to get in touch by the website, not even an email address I can contact. Yes I can log into my account, but all it says is to call them. RAC CAR INSURANCE PLEASE CALL ME ASAP. If I dont get in touch my policy will be cancelled and if something had to happen to my car while I am gone then I am not insured.
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Posted 5 years ago
My daughter took out a car insurance policy with RAC. A couple of weeks after setting this up they contacted her to say that it was cancelled with immediate effect because of an undeclared and unresolved claim against her. In fact this was entirely incorrect and was due to an error by her previous insurer (Admiral) who had said they would remove it from their records and then failed to do so. She contacted Admiral who contacted the RAC to confirm this fact. She the asked RAC to restart her policy as this had clearly been an error. They said they could not restart a cancelled policy but would have to quote on a new one - which they did for a cost 3 or 4 times more expensive than the one just cancelled. When she asked why they said it was because she had a cancelled policy - which she did: cancelled by themselves because of provenly incorrect data sent by another insurer! The computer said no and that was that. They agreed to refund her money but did so minus £250 which they said they could charge because of this - totally unnecessary- cancellation. When she complained a few days later the person she spoke to agreed that in the circumstances they would refund the amount. This never materialised and when she enquired was told that this person should not, in fact, have authorised it and it had been cancelled. After issuing a further complaint she was told they would look at it again and get back to her in 6-8 weeks - which, of course, they have not done. I wrote to them on her behalf as well but have not even had the courtesy of a reply. Basically, they have misappropriated £250 of her money due to an error in the information sent by her previous insurer which that insurer very promptly confirmed. Disgraceful service and I would urge anyone to think very carefully before giving their business to such a company
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Posted 5 years ago
My daughter took out a car insurance policy with RAC. A couple of weeks after setting this up they contacted her to say that it was cancelled with immediate effect because of an undeclared and unresolved claim against her. In fact this was entirely incorrect and was due to an error by her previous insurer (Admiral) who had said they would remove it from their records and then failed to do so. She contacted Admiral who contacted the RAC to confirm this fact. She the asked RAC to restart her policy as this had clearly been an error. They said they could not restart a cancelled policy but would have to quote on a new one - which they did for a cost 3 or 4 times more expensive than the one just cancelled. When she asked why they said it was because she had a cancelled policy - which she did: cancelled by themselves because of provenly incorrect data sent by another insurer! The computer said no and that was that. They agreed to refund her money but did so minus £250 which they said they could charge because of this - totally unnecessary- cancellation. When she complained a few days later the person she spoke to agreed that in the circumstances they would refund the amount. This never materialised and when she enquired was told that this person should not, in fact, have authorised it and it had been cancelled. After issuing a further complaint she was told they would look at it again and get back to her in 6-8 weeks - which, of course, they have not done. I wrote to them on her behalf as well but have not even had the courtesy of a reply. Basically, they have misappropriated £250 of her money due to an error in the information sent by her previous insurer which that insurer very promptly confirmed. Disgraceful service and I would urge anyone to think very carefully before giving their business to such a company
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Posted 5 years ago
Have BD cover with these guys - was looking to switch my insurance too. They don't offer any kind of existing customer deals and the price was about 25% higher than their competitors. I used someone else instead.
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Posted 5 years ago
I've been with RAC car insurance on a black box as an under 25 driver for 2 years now. I've never had to make a claim and always scored highly in their metrics. Why then have they doubled my insurance rate from £53 to over £116 per month. Nobody on the phones will explain this to me and it's not on. Why am I being punished as a young driver on a black box with 5 years no claim experience now? Its not on. They tried to double it last year and I solved it as they appeared reasonably priced on a price comparison site but to happen for a second year running is just ridiculous and offering no compromise. Just look elsewhere young drivers and avoid the RAC.
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Posted 5 years ago
RAC Insurance is rated 2.2 based on 1,236 reviews