RAC Car Insurance Reviews - www.rac.co.uk

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Latest Reviews

★☆☆☆☆

“Highway Robbery RAC Insurance”

Written on: 13/04/2015 by Drew.Bain (2 reviews written)

I took insurance with RAC because they were a trusted name to me and even renewed with them even though they were not the cheapest. I then changed my car and went to RAC Insurance to tell them. £25 admin fee the operator said and two clicks later I could print off my new certificate. I paid the fee and told the operator I would contact them in a few days when my Cherished number plate was through from DVLA. The operator said she would mark it on the system. A few days later I called back to… Read Full Review

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★☆☆☆☆

“rip off merchants”

Written on: 12/04/2015 by Raynau129 (1 review written)

Bought new car, rac online quote was approx £19 month. Rang to change policy and was quoted £28!!! + £25 'admin' fee. Or I could cancel policy (£55 fee + loss 1 year ncd) and they would change underwriter. Car was faulty (ongoing claim with dealer), rang to re insure old car, wanted £25 fee to swap back or new policy with no No Ncd!! (I accept this is normal). Next had failed payment due to new credit card issue, not informed at all but slapped £25 charge. Service centre said I could… Read Full Review

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★☆☆☆☆

“Excessively expensive cover”

Written on: 03/04/2015 by Yaritzab40 (1 review written)

Have had comprehensive cover with breakdown and legal protection - the full monty - for over three years. Full NCD and no licence points. Renewal came in at over £750. So I shopped around and boy am glad I did - same cover, lower excess and full euro cover included for under £400, yes I did just type £400… Read Full Review

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★★☆☆☆

“No-fault claims process deceit”

Written on: 11/03/2015 by handi (4 reviews written)

After a shunt from behind, I called the Claims Number. A sympathetic operator took all my details and advised me of my right to compensation for whiplash or other injuries. He then passed me to another department. After repeating all the details, it dawned on me that the first operator was a Compensation Claims firm, not the Insurance Company at all. THIS WAS NEVER MADE CLEAR. After two more calls from them, I realised it was an accident compensation solicitors firm who would take a… Read Full Review

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★☆☆☆☆

“High price for "No Claims"”

Written on: 23/02/2015 by Strider1947 (3 reviews written)

Received my renewal from RAC,never claimed from any insurance in past 40 years of driving yet RAC up the renewal by 33%, my premium was paid by monthly direct debit and they print on the renewal "DON'T FORGET-YOU DON'T NEED TO DO ANYTHING.WE'LL RENEW YOUR POLICY AUTOMATICALLY" not bloody likely!! The trick is hoping you don't realise the 33% RISE. VERY VERY POOR AND WORTHY OF THE WORDS "RIP OFF" … Read Full Review

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★☆☆☆☆

“Horrific. Disappointing. Dangerous.”

Written on: 19/02/2015 by Sweeneyrw36 (1 review written)

On Friday 30th January I was heading North up the M1 just South of the Rotherham half mile turn off sign. I lost power and coasted to the hard shoulder. At 11:45am I rang the RAC and was told I had priority as a lone female, and was advised to get out of the car as it was parked in a dangerous area. I clearly stated where I was; next to a sign which said Rotherham half a mile - junction 39. Despite the sub-zero temperature and snow up to my ankles I climbed over the barrier as advised. I waited… Read Full Review

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★☆☆☆☆

“DO NOT USE!”

Written on: 13/02/2015 by MattfromBath (1 review written)

After great service from the breakdown service for 10 years, I was more than happy when the RAC came out as the cheapest car insurance on a comparison site. This has now turned into disgust. I returned my no claims discount info when required only to wake up a few days later on a Sunday morning to an emails saying that my policy had been cancelled, along with an email saying my NCD could not be processed as my policy wasn't active. Even worse, they want to charge £55 for this fiasco. Even… Read Full Review

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★☆☆☆☆

“Horrible - Possibly dodgy renewal practices (car...”

Written on: 10/02/2015 by TheAllSeeingEye (2 reviews written)

Horrible. Ok the 1st years car insurance was cheap, but this was just a honey trap. As when the 2nd year came along they decided to DOUBLE the *ooking fee!?! (no claims made and 6yrs NCB as well). Pure Greedy. Had to contact my bank to cancel and block this Merchant - as they don't have normal DD/SO set-up, oh no they just take the money from your bank. Looked everywhere on my on-line bank account for a way to stop or ammend their DD or SS, couldn't be found. They just reach in like a hand… Read Full Review

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★☆☆☆☆

“Money grabbers!!!! ”

Written on: 20/01/2015 by VickiSmith (1 review written)

Never have I received such poor customer service. Completely outraged by this company and would NEVER use again. Helped themselves regularly to double payments for no reason nor did they give me an explanation or formal apology. To date they still owe me a significant refund & £14 in phone bill charges to themselves. Paid off the policy in full just so they would stop helping themselves to my bank account each month. 5 weeks on and still no refund, explanation or apology. Absolutely disgusting… Read Full Review

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★☆☆☆☆

“Complete rip off”

Written on: 19/12/2014 by Hayes304 (1 review written)

What absolutely disgraceful service that has continued. We had two cars insured and never ever again will we use this company. One of the cars quite probably under their terms or do they say now would not have been covered - it was sorned. There was nothing on the website to warn of this so had we needed to claim they would have refused and while they have given some refund not all. And watch out because if you insure your car with them they will simply charge you the next year and trying to… Read Full Review

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★☆☆☆☆

“The most shocking mis-use of a brand name.”

Written on: 17/12/2014

Please do NOT use this insurance company. They are very good and efficient at taking your money but have NO INTEREST WHATSOEVER if you actually have an accident. In my case, an overseas lorry drove into my car, and when I telephoned their claims line it was NOT the RAC who answered, but a company of York based solicitors looking for whiplash claims. 7 months on I have no result. Shocking and Awful. I would NEVER join the RAC based on this deceptive approach. BE WARNED !!… Read Full Review

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★☆☆☆☆

“They should not be allowed to sell insurance”

Written on: 04/12/2014 by dnobjg (1 review written)

We have a no fault claim. The RAC have passed us to an under writer who have passed us to someone else who has passed us back to the under writer...and so it goes on. We pay our premium to RAC and so keep calling them to help but yet they have absolutely no idea what to do and are unable to assist us in any way. It is a nightmare and I would suggest you use anyone else but the RAC… Read Full Review

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★★★★★

“Always very friendly”

Written on: 22/11/2014 by 442Beasley (1 review written)

There are fat too many reviews about bad things than there are good things these days. Name one company that doesn't charge a cancellation fee if you cancel a 12 month contract with then early?! None. This is not bad customer service it is simply common sense. Do not cancel a contract if you do not want to pay a fee. The staff at the RAC insurance are most friendly and professional. When I was unsure of how to provide my no claims discount proof, I received a letter reminding me. So I phoned… Read Full Review

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★★★★☆

“Decent quality insurance”

Written on: 19/11/2014 by Rwthless (1 review written)

To a certain extent they are constrained by the market standards. I had to remind them about a courtesy car, and that started a huge problem. I'd have done better to rent from a local company and not had the hassle from the company the Underwriters chose. In my view the RAC are a decent company, but they are constrained by the industry conventions. The excess system is iniquitous and should be scrapped for example. Ehrn I rang to arrange a change of car they were extremely helpful and I… Read Full Review

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★☆☆☆☆

“MY NCD DENIED ”

Written on: 13/11/2014 by Braylens387 (1 review written)

I switched to RAC from my previous insurance company and was infromed by RAC to provide my NCD, so I did, however they kept saying by email it was not received and at the end they cancelled my insurance and charged me £ 55 of my debit card. In Addition, their phone numbers are not answering and you need to wait so long before talking to someone.. so I do not recommend this company to anyone… Read Full Review

Foxtrot123X's Comment

Written on: 22/11/2014

If they kept emailing you saying they hadn't received your proof then why would you not of contacted them before your policy cancelled?! As of the £55 cancellation fee you should expect this any time any company has to cancel your insurance. At the end of the day it was your responsibility to provide proof. No company doesn't answer the phone lol, it was obviously just busy.

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★☆☆☆☆

“terrible costamor service ”

Written on: 05/11/2014 by Palomag313 (1 review written)

never ever back to rac ,charging too much for cancellation charge £55 and £25 for changing the policy details, and terrible costamer service ,,,,no body choose rac car insurance… Read Full Review

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★☆☆☆☆

“Make sure you know the cancellation charges”

Written on: 21/10/2014 by Stellak1964 (1 review written)

From the wording in the contract it looks as though you will incur a charge of £55 to cancel an insurance plus and you have to pay up the remaining amount on the insurance if you are paying monthly, usual rip off merchants… Read Full Review

Foxtrot123X's Comment

Written on: 19/11/2014

You only have to pay a £55 cancellation fee and for the time that you have been insured with them. They only charge the amount for the rest of the policy if you've got an open claim on file. Same as any company

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Foxtrot123X's Comment

Written on: 19/11/2014

You only have to pay a £55 cancellation fee and for the time that you have been insured with them. They only charge the amount for the rest of the policy if you've got an open claim on file. Same as any company

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★☆☆☆☆

“Avoid like the plague!”

Written on: 12/10/2014 by dbCollier330 (1 review written)

Would give them one star if i could, terrible customer service and would never recommend to anyone!… Read Full Review

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★☆☆☆☆

“Rip off cancellation charges”

Written on: 02/10/2014 by jamie996 (1 review written)

I have just cancelled my insurance with RAC having sold my Discovery. 4 months left to go on the policy and I get back.......£20. £55 pound cancellation charge for doing what exactly? Apparently it was all in the small print - still cannot find it. Avoid - or at least go into RAC insurance with your eyes open as well as your wallet… Read Full Review

Sonor's Response to jamie996's Review

Written on: 10/10/2014

RAC cancellation fees are confirmed on the very last page of the documents, also any company will state there fees at the point of sale before they take any money, weather it is bought online or by phone

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★☆☆☆☆

“Horrendous customer service”

Written on: 17/09/2014 by suDonahue459 (1 review written)

I got a car insurance policy with RAC on the 17th August. I then changed my car and contacted them to change car details on the 15th Sept. I was informed that current insurer did not offer cover for this car ( Renault Scenic). The customer services advisor I spoke to checked their other affiliated companies and offered me a price that was 213% more than my current price. The customer service advisor informed me that I had £50 in credit. He also apologised that they could not offer me a more… Read Full Review

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