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RAC Insurance Reviews

2.2 Rating 1,192 Reviews

29 %

of reviewers recommend RAC Insurance

Company Reviews

2.2

Based on 1,192 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 1st December 2023

RAC Insurance 1 star review on 23rd December 2022

RAC Insurance 1 star review on 23rd December 2022

RAC Insurance 1 star review on 27th September 2022

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

“Took out car insurance last July for my wife’s Fiesta and was happy to pay£163 fully comprehensive. Renewal came in looking for £266 I spoke to an advisor regarding the increase and was advised that this was what they were quoted by the companies they use Please be be very careful if you use the automatic renewal option given a rise of this size with no change in circumstances”

Posted 1 year ago

“Cancelled my policy today as the vehicle was sold. The insurance started Dec 21 and runs to Nov 22, the policy cost was £148.77, and I have 'used' £88.65 so the refund should be £60.12p . BUT no, there is a £55 cancellation charge, yes £55 !!!!!!. What a rip off, will not be using them again, they might win this one but loose out in the long term. Phil Allen”

Posted 1 year ago

“Had good experience with them but they are expensive”

Posted 1 year ago

“Awful customer service. Phone queues of 45 minutes or more. Unhelpful staff, that really don't care. AVOID AVOID AVOID”

Posted 1 year ago

“Dreadful ‘service’ by RAC- told me my premium was going up due to an ‘undisclosed claim’ I gave proof from the previous insurers that I simply rang to see if a scratch I had received at a supermarket was claimable and then decided against claim due to the excess. Apparently however they still won’t reduce my premium back to previous amount as I had made the enquiry!! Unbelievable!”

Posted 1 year ago

“Car insured was stolen so insurance eventually paid out therefore Insurance policy was cancelled as I no longer had that car or any other car. RAC threatened me with legal action if I don’t £1600 for cancelling the policy !”

Posted 1 year ago

“Terrible experience with RAC. Firstly the price was quite high but I stupidly assumed that meant the service was going to be good. I had an incident in Nov 2021 whereby something dropped from a bridge and hit my windscreen as well as the plastic strip at the bottom of the windscreen. I reported it and then never heard back about repairs. Due to ill health I didn’t chase it until now (June 2022). I spent nearly 5 hours speaking with rac and their underwriter company and in short they had forgotten to even log the claim on their system. To make matters worse they wanted me to pay a voluntary excess plus the usual excess which came to £550!! For a windscreen and a bit of plastic! Not even worth claiming. Really wished I had of checked here first! Have cancelled my policy and will never use again”

Posted 1 year ago

“Sold my car, therefore, I had to cancel my Insurance policy which I'd had for just over six months. I had to pay £55.00 administration charge, this left me with refund of £33.49 I was told I will have to wait 10 days for this to be credited back to me.”

Posted 1 year ago

“I have been with RAC insurance for only a year. Shame they were not able to beat the prices of the company that I went for this year. But, for someone who depends so much on online portals like me, their portal is straightforward and easy to use. Everything is there ( documents, NCB etc). I would recommend this company without a doubt!”

Posted 1 year ago

“Absolutely vile company please people do NOT go with them the customer service team are a disgrace also I sent in my no claims and they cancelled it anyway. They took my money and a months insurance money and deposit no refund and cancelled it I have all the emails of proof honestly if you go with this company you’ll regret it.”

Posted 1 year ago

“Having multiple policies I find the admin fees they apply to existing customers who reduce the number of policies with them if they sell one of their car excessive. £50 cancellation fee to call in the cancellation to hit a few buttons! You can't even amend the policy yourself on the portal to save the customer service person element so no way to avoid the admin fee. I've recently added my daughter less than 2 weeks before the cancellation so charged £25 for that and now another £50. If you still remain a customer on other policies you would think they would introduce some sort of loyalty element.... I know who I won't be renewing with next time round.”

Posted 1 year ago

“Very poor. Watch out for their auto renewal. They opt you in and if you don’t tell them otherwise they will auto renew and then text you afterwards to say they have renewed. They then charge you £25 admin fee to cancel. It’s a massive scam. If are happy to auto renew you’re mad as they doubled my premium from £75 to £150! Will never use again.”

Posted 1 year ago

“Apart from the fact it takes an age to make contact via phone when ever you ring, I contacted them to cancel my policy as I was changing my car they informed me a charge of £48 pounds would be charged. I must add the person i dealt with did in the end waver the charge.”

Posted 1 year ago

“Renewal price was upped by £100 pa - from approx £185 to £285. Been with them for a few years so loyalty means nothing. Bye bye. I'm going elsewhere and get same cover for last year's price.”

Posted 1 year ago

“Renewed my insurance without asking ! Says 24 / 7 access to my policy but no phone lines open from Friday to Monday and what a surprise can’t cancel online ! Complete con . Avoid at all costs , Never use RAC !!!!!”

Posted 1 year ago

“Renewed a policy I didn’t not want me without my agreement or request and then persistent threatened me with a charge if I didn’t pay for the unwanted new policy and despite many calls and conversations ignored the fact they had made an error. Not to be trusted.”

Posted 1 year ago

“Do not use this company. If you need to cancel, as I did due to right-off, they are incompetent. Told a cancellation fee, about £40. Gave permission to take off debit card. Found out trying to take 2x£71 via standing order (I pay monthly anyway). Refused to cancel this. Have to let it be paid and then claim it back! Cancellation should not be like this. Total cowboys.”

Posted 1 year ago

“If i could give 0 stars i would. Worst insurance company I’ve ever dealt with. In am accident i. January reported straight away. Received a text message in April to say a claim was made against me and that was the last i heard anything. Tried several times to contact them and got nowhere. Passed about departments and cut off. Finally received a phone call in May from some travel bureau who informed me about the goings on of the claim as RAC clearly don’t care for their customers enough to keep them updated! Quick to take your money and to send out renewal quotes!!”

Posted 1 year ago

“Whilst speaking with he customer service as well as the claims team , they were rude , unhelpful and lacked professionalism. They made it feel like I was in the wrong for calling and wanting to make a claim despite this being the purpose of the insurance. The actual insurance is through Lloyds banking and Davies group. I will not be renewing or taking out a policy again in the future.”

Posted 1 year ago

“Good quote, good cover, had to call answered phone quickly and were very helpful”

Posted 1 year ago

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RAC Insurance is rated 2.2 based on 1,192 reviews