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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
Avoid like the plague. Unless you trust scammers to help you in the event of a claim. Took out a policy with them after using a price comparison site. After agreeing the price and putting through the payment details we noticed an additional £25 charge. They said this was due to a 'fault claim' showing up on the insurance CUE system. I explained we had not had a claim and they said it wasn't a mistake and that we would have to get proof from our previous insurer Churchill that there was no fault claim. Churchill told us there was indeed no existing or previous fault claim connected and that RAC have been 'misinterpreting the data' - something which Churchill have had many complaints about from customers who had moved to RAC ! I complained as this was definitely fraudulent activity on the part of RAC who agreed to refund the policy and waive any cancellation fee. We then got a letter in the post about the extra charge - which they later explained was automatically generated even though the policy had been cancelled before the date of the letter. We also noted the fee - minus the additional £25 - had been already taken from our account even though the policy was not due to begin for several days. It wasn't an easy process to resolve. They even had the cheek to charge us 15p for the policy on account of the day it was due to commence - had we not already cancelled it. The whole thing is an utter scam. I shall be complaining to the Insurance Ombudsman about this appalling, unethical company.
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Posted 3 years ago
Be very wary of taking out RAC’s black box insurance. I have been monitoring my driving very closely for the past year via the app and had overall consistently excellent scores and was at a hundred percent for my driving. Now my renewal is approaching, suddenly my scores have plunged right down to below 40%. We are currently in lockdown and I live in a tiny village and only drive very infrequently around my locality. Apparently I’m suddenly accelerating and braking harshly on nearly every journey. I have looked over these journeys and records very closely. This is impossible! I have not changed my driving or my routes in the last few weeks to warrant any of these scores. Appears to me that the sensitivity of my black box has suddenly been significantly heightened. Strange how it conveniently started to malfunction as my renewal draws close. Very suspicious. I will obviously not be renewing with RAC. You’ve lost my trust.
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Posted 3 years ago
Price went up even though my score was 95%
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Posted 3 years ago
Took out car insurance as it was quite a lot cheaper than Churchill and included extras that they didn't offer. I made sure to email them to tell them not to automatically renew too. However, when I checked my account I found the price had gone up by a little under 20 percent. I queried this and they said the CUE database had shown a Fault Claim from a few years ago. I told them this was a mistake and there was no claim. They said there was no mistake and my previous insurer would have to provide written proof that the claim in question was invalid/not actioned. When I contacted Churchill they explained that not only was the claim in question invalid but that they have had a LOT of issues caused by the RAC trying this on at the moment. The Churchill claims operator explained RAC were interpreting the data relating to the claim incorrectly. This obviously allowed them to raise the price AFTER I'd agreed the policy fee. Fortunately I was within 14 day cooling off period and as I challenged the terms on which the policy was sold the RAC waived the cancellation fee. For a company that has such heritage, this blatant fraud is disgusting and will damage the RAC's reputation. You don't get to be market leaders by cheating your customers! My review rating is for the RAC as a whole. The gentlemen from the RAC who dealt with me on live chat was helpful and cooperative.
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Posted 3 years ago
Wouldn't give one star if that was possible . This is to advice people to go through resolver . I won't put my complaint on here . But something seriously has to be done about this company ........
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Posted 3 years ago
My insurance last year was £200. They auto renewed me at £350. I did have a letter but having a nightmare with home schooling a 5 year old and full time job on my own, so it was in my work paperwork pile. I cancelled a couple of days after it had renewed and then charged me the insurance for those two days which is fine, but also £25 fee. They then suggested they could do me a better rate and lied that the £350 was last months price! Renewal prices elsewhere were £180+. I actually went for £220 for a lot more over than the RAC were offering.
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Posted 3 years ago
renew policy over £200 a year more than others - when I went online to cancel the renewal they forced me to ring them resulting in a long wait (5 mins until I was even put on hold).
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Posted 3 years ago
Black box scores are not accurate at all your score will drop even when your journeys are shown as perfect, when trying to contact them about the black box on 4 occasions I’ve never had a single response. Poor communication.
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Posted 3 years ago
I lost £17k with an RAC Car History… I lost £17k with an RAC Car History Check.. Its worthless !! and the treatment I received from the RAC was disgraceful! They had even used a TV personality on their website to advertise the Car Check. It was unauthorised and the TV personality told them to remove it. The vehicle turned out to be a Clone which despite the car check asking you to enter the VIN numbers etc to check it wasnt a clone, in the small print T&C's it does not cover clones. The T&C's link was broken and not available at the time or for months and months after.The trading standards said the Car Check is a worthless product. Many others like me have lost thousands from the RAC Car History Check. Never use the RAC they are a disgraceful outfit !!! They even told the Financial Ombudsman that it wasnt an insurance despite the receipt saying it was an insurance. they claimed they sent the wrong receipt. I hope the RAC go bankrupt during the pandemic.
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Posted 3 years ago
My advice to anyone thinking of insuring your car with the rac is don’t! I phoned to make an inquiry about my car being fixed after I had an accident (no other car was involved .) I then had my car fixed a few months later when I could afford the access. I informed them about this they gave me a quote then when money came out of my account it had doubled, when I asked why they held against me the inquiry! Now I’m paying double the insurance £136! Disgusting
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Posted 3 years ago
Well we switched from Hastings who were brilliant to RAC. Having looked around. We put all our data into the comparison web site correctly then a week later received a letter saying we had not declared an accident I caused and they were upping the price from the original quote of £263 by £160. Throwing in "IF YOU DON'T PAY THE THE DEBT COLLECTORS WILL BE ROUND, KNOCK YOUR DOOR DOWN AND YOUR CREDIT SCORE WILL MEAN YOU'LL NEVER BORROW AGAIN DO PAY IT!!!" Asked where they had received this information about me driving and causing an accident well apparently my last insurer Hastings had given it. Spoke to Hastings who said no you weren't driving and the third party admitted liability. So back on the phone to RAC saying Hastings happy to talk to them but apparently RAC don't do that. So we have an open claim with Hastings but as open RAC say they treat all open claims as both parties at fault. When I asked about the return of the £160 RAC said probably well, "Just depends" whether we feel like it or not as we constantly review rates.. So their letter says £55.00 cancellation fee which is illegal of cough up as the DEBT COLLECTORS would be knocking the door down. Then the final stab In the back the gleeful comment "Your policy will go up regardless of fault anyway ". AVOID AT ALL COSTS OR YOUR DOOR MAY BE KNOCKED DOWN BY DEBT COLLECTORS when it's their fault not yours !!! Please God save me from any more "valid" RAC Premium Increases. Have sent the CUE details to try and have the fact I was not driving (shielding) and third party admission but doubt anything will change but I do feel slightly better copying and pasting this to EVERY review website. NEVER, EVER USE RAC !!!!!!!!!!!!! Do you actually train your "Customer Service Advisors" or employ HMP inmates ? HAHA just received a reply from the Cara at the RAC telling me to fill out their complaint form - hmm, as I already have filled it out I can see me doing this everyday - groundhog day again. Why have the RAC been booteed off Feefo ?
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Posted 3 years ago
Well we switched from Hastings who were brilliant to RAC. Having looked around. We put all our data into the comparison web site correctly then a week later received a letter saying we had not declared an accident I caused and they were upping the price from the original quote of £263 by £160. DON'T PAY THE THE DEBT COLLECTORS WILL BE ROUND AND YOUR CREDIT SCORE WILL MEAN YOU'LL NEVER BORROW AGAIN DO PAY IT!!! Asked where they had received this information about me driving and causing an accident well apparently my last insurer Hastings had given it. Spoke to Hastings who said no you weren't driving and the third party admitted liability. So back on the phone to RAC saying Hastings happy to talk to them but apparently RAC don't do that. So we have an open claim with Hastings but as open RAC say they treat all open claims as both parties at fault. When I asked about the return of the £160 RAC said probably not. So their letter says £55.00 cancellation fee which is illegal of cough up as the DEBT COLLECTORS would be knocking the door down. Then the final stab In the back "Your policy will go regardless of fault anyway ". AVOID AT ALL COSTS OR YOUR DOOR MAY BE KNOCKED DOWN BY DEBT COLLECTORS when it's their fault not yours !!!
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Posted 3 years ago
Not happy Was told up to 90 mins when I called. After 120 mins they texted someone is on the way but then followed another msg saying delayed by 30 mins because of delay in previous job. After 30 mins they send another text message saying because of covid there are delays. It seems like every company is using covid as an excuse for their slow and bad service
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Posted 3 years ago
Beware of cancellation charges. We bought a new car so enquired to change our current RAC insurance to the new car but was too expensive so we cancelled.. Guess what £50 admin charge to cancel. Have to give 1 star but would give zero if possible
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Posted 3 years ago
This has to be the worst ever breakdown company. They lie about times for recovery and dont even inform you that their call out times are taking 5-6 hours for a call out. I was only told this after complaining to the 3rd advisor about having to wait over 2 hours that the recovery times are 5-6 hours. And the 3rd advisor said they were having to send a private company out to repair a flat tyre because they dont have anyone in the area even though im broken down in a town centre high street. She informed me that it would be another 50 minutes at least, so i rang back up 30 minutes later and the person on the phone this time couldn't give me a time for the recovery truck to turn up so this shows their advisors lie because he couldn't provide me with a recovery time. And to top this im classed as a medical emergency because of my medical issues and mobility which they are fully aware of due to my issuance being through motorbility. I finally after 3 hours waiting the private recovery company McAms rang me and informed me that their breakdown truck would take another 90 minutes at least and they couldn't take me home and i would have to get a taxi home and the recovery truck would bring my car 20 miles to my home address. What a awful experience from RAC. Their advertised times state that "4 out of 5 customers are repaired at the roadside within 30 minutes" WHAT A JOKE. i must be the 5th customer. DO NOT TAKE OUT A POLICY WITH RAC or you will regret it.
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Posted 3 years ago
1) Low scores are not representative of driving; the maps the box uses as reference for speed limits has many out of date speed limits. To keep a good score, you would have to drive much lower than the legal speed limit on some roads (e.g. road is 50 mph, and the box wants you to drive at 30 mph, and you have people shouting at you because you can't drive any faster). If you constantly obey the law and disobey the false data used by the box, you will be issued warnings and could lose your insurance, making future insurance policies extremely expensive. 2) Customer service is disgusting. When you present proof of erroneous data by the box, you will be dismissed, laughed on, or told improve your driving or f*ck off in a polite way. Your driving could be perfect and you have all the proof that the error is from the box, but the reps are condescending and rude. You will never be able to dispute low scores no matter what proof you have, and you will be constantly threatened with cancellation and permanent damage to your insurance record. 3) If you live in unfortunate area where data used by Rac are poor, your car will be impossible to drive if you hope to keep your insurance, and Rac will not care no matter how much you complain. If you live in a city area, your score will always be low because they don't want you to drive in urban areas. If you need to drive at night, your score will also always be very low. 4) If you think you can put up with all of this for a discount at the end, you would be wrong. I maintained a score above 95 with Rac Black Box tolerating wrong data and shouts from other drivers asking me to drive the correct speed limit, and it was the worst year for driving I have ever had, Rac mad driving expensive. At the end, I got a discount of 20 pounds. Not worth two sh*ts. Don't bother unless you like being in pain. If you hate someone, recommend Rac Black Box to them.
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Posted 3 years ago
Somebody broke into my car broke the passenger side window and stole my radio they covered only the window but just for that, they took two of my no claim bonus. Completely useless. Avoid them if you can
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Posted 3 years ago
Had a car insurance quote that was 25% higher than last year. I have chosen another company at a lower price than last year with the price fixed for 3 years.
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Posted 3 years ago
Took out a car insurance policy with the RAC all I had from them was nothing but trouble
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Posted 3 years ago
I have just contacted RAC and asked for a refund today (23/1/21) My husband is over 70 and was locked down for many months, retired and has used the car to travel just over 1000 miles since we took out the policy with them (20/4/20). I am also a key worker and work part time in a local school (and have worked all the way through the Pandemic) We were quoted for 5999 miles when I took out the policy. They have refused any refunds point blankly claiming that they are not increasing other key worker policies when they should! They offered to requote at 2000 miles which they did but it did not make ANY difference to my premium!! The chat line miraculously got cut off three times too with a ridiculous waiting time to reconnect...funny that! Our daughter has had 3 refunds totalling £75 automatically from Admiral!!!! Why are some companies ridiculously unfair? I will not be renewing my Policy with RAC needless to say.
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Posted 3 years ago
RAC Insurance is rated 2.2 based on 1,236 reviews