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RAC Car Insurance Reviews 14,245

TrustScore 4.5 out of 5

4.4

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Review summary

Based on reviews, created with AI

Reviewers overwhelmingly had a great experience with this company. Customers frequently highlight the competitive pricing, often finding policies significantly cheaper than previous insurers or renewal quotes. Many people appreciate the ease of use, from navigating the website to setting up and renewing policies, describing the process as straightforward and efficient. The ability to tailor policies to specific needs and the inclusion of breakdown cover are also highly valued by consumers. However, some customers reported issues with the online system, particularly concerning auto-renewal and difficulties in making changes or finding specific options. A few people also mentioned problems with policy updates not reflecting quickly on national databases, leading to inconvenience.

What people talk about most

Price

Customers generally express satisfaction with the pricing, often finding competitive deals and good value.... See more

Service

People report positive experiences with service, often highlighting good value, efficiency, and... See more

User experience

Clients share positive opinions on user experience, frequently highlighting the ease of use and... See more

Website

Reviewers highlight positive aspects of the website, with many finding it easy to navigate and use for... See more

Subscription

Reviewers mention positive feedback about subscription. Many customers found the renewal process easy and... See more

Based on these reviews

Rated 4 out of 5 stars

The service was generally fine but I was a little disconcerted not to hear from the RAC until my insurance had been renewed. A message in the week before renewal saying we’ll take payment on……. would... See more

Rated 4 out of 5 stars

I needed to discuss my renewal policy and was able to get through on the phone without a long wait, which I prefer over online chat. The representative I spoke with was very helpful in resolving my is... See more

Rated 5 out of 5 stars

I was contacted by the RAC via email to remind me that my car insurance was due to expire. All I needed to do was check the my information and agree to continue being covered by RAC. It was simple a... See more

Rated 5 out of 5 stars

I was very pleased with my experience with the RAC person on the telephone. I was treated professionally, questions and the policy were clearly explained. I felt I was given time to absorb the informa... See more

Rated 5 out of 5 stars

I chose RAC Car Insurance as it offered the best value I could find using an online comparison site. I have used RAC Car Insurance in previous years and found them to be efficient and easy to deal w... See more

Rated 5 out of 5 stars

Fabulous company… website very easy to navigate. Great to be able to tailor to my specific needs. Even better, cheaper annual cost than previous year. Absolutely delighted- thank you

Rated 5 out of 5 stars

Really impressed when a car rolled into my rear bumper the way RAC passed over to Enterprise who handled body shop & courtesy car. Ultimately all was controlled by Allianz!

Rated 5 out of 5 stars

Being on auto renewal things should have been easy but since my payment card had expired you weren’t able to take the funds from my account. After speaking to your excellent sales advisor Tony all was... See more

Rated 5 out of 5 stars

After having a renewal from my old insurance company that was £100 more than the previous year I looked at the RAC who quoted over £100 less. The policy meets all of my needs.

Rated 5 out of 5 stars

Renewal rate was higher but still comparable to most other providers with the same degree of quality so felt no point changing. Very easy to renew.

Rated 5 out of 5 stars

Took the car insurance out on line. I was happy with the quote and cover. I realised after that I hadn't asked for a paper copy( which I always like to have) so rung the next day and no problem at all... See more

Rated 5 out of 5 stars

Easy to purchase car insurance which I found through comparing the market website for the best deal and you can then go to the website of the RAC and and keep the same prices

Rated 1 out of 5 stars

On contacting RAC car insurance concerning another issue, the staff member stated my birthdate was incorrect on the policy. I stated the birthdate entered on the online form was correct when I sent it... See more

Company replied

Rated 1 out of 5 stars

Awful company. Really regret moving away from another well known insurer. Nothing but hassle and problems. Threatening emails and text messages with no way to communicate or make payments through thei... See more

Company replied

Rated 5 out of 5 stars

I needed a company that could supply both Insurance and Breakdown cover, and RAC was just perfect for me.

Rated 5 out of 5 stars

The insurance renewal phone number was answers by a live person really quickly after selecting the reasons for calling. Really Satisfying. The customer service person was very clear, patient and very... See more

Rated 5 out of 5 stars

The ease of finding the right cover for me at a competitive price made this a good experience and saved me money as compared to my old insurer at the same time.

Rated 5 out of 5 stars

I researched for a car insurance that would cover my requirements and RAC had one that did just that. It was easy to set it up and to start on my chosen day.

Rated 5 out of 5 stars

I clicked through from a comparison site having been surprised by the reasonable premium. The details of cover satisfied my personal needs, so it was worthwhile to go ahead and confirm.

Rated 5 out of 5 stars

Renewal cost although increased was not more than other quotes so decided to stay with RAC

Rated 5 out of 5 stars

Didnt have to do anything . Premiums should go down when you renew to keep loyal customers

Rated 5 out of 5 stars

Very pleased with how easy it was to renew the car insurance and at a competative price yes there was a cheaper quote from another company but better to reply on a larger company that included break... See more

Rated 5 out of 5 stars

Obtained through comparison website. Purchase was easy and straightforward. The policy was easy to set up and provided what I wanted.

Rated 1 out of 5 stars

Insured with RAC online, Firstly, the online quote wasn’t allowing me to proceed with the insurance. So had to ring up and apparently customer service can’t deal with online enquiries as i... See more

Company replied

Rated 1 out of 5 stars

Last year I chose preferences to not receive Marketing mails, and not to auto renew. My policy has auto-renewed, and in so doing has changed my preferences (I did not accept anything).

Company replied

Rated 5 out of 5 stars

I have never been with RAC before but it's just great. Recommend for all.

Rated 5 out of 5 stars

Competitive price again but free breakdown offered subject to card details so it renews next year unless you cancel it

Rated 5 out of 5 stars

Achieved an acceptable RAC price, instead of being "fleeced" by a previous insurance company despite many years of loyal patronage, to the tune of three times the price quoted by RAC, I wish I had "b... See more

Rated 2 out of 5 stars

I received an email to thank me for auto renewing my policy (at a much higher costs than many others) just 2 days before it was due to renew. Many companies give around 2 weeks notice. I was not a... See more

Company replied

Rated 5 out of 5 stars

Great price from a well known company, with the added bonus of the RAC breakdown service included. There were cheaper quotes from other companies but I had never heard of them. The RAC web site is eas... See more

Rated 1 out of 5 stars

Do not go with this company they charges us £85 for cancelling our policy. The only reason we cancelled was because they wouldn't insure our electric car. It is a disgrace. Plus I couldn't speak with... See more

Company replied

Rated 5 out of 5 stars

happy with the renewal quote cheaper than what I paid last year so kept my policy with RAC

Rated 4 out of 5 stars

Good price in comparison to my renewal quote from previous insurer. I made an error with some information I provided in my application that was a bit fidgety to remedy as everything is online but was... See more

Rated 4 out of 5 stars

Mostly easy to follow procedure, but not easy to flick back and forth in and out of different policy options for comparison. Overall a good experience and an excellent quote compared to my previous in... See more

Rated 5 out of 5 stars

Easy to achieve my continued insurance again. Great value and an excellent service,Thank you

Rated 1 out of 5 stars

You sent me notification that something wasn’t right with another claim I had ? No information so I am unable to check I have contacted Hastings direct who are unaware and waited for documents but a... See more

Company replied

Rated 5 out of 5 stars

Great price, same for current insurance versus ne customer

Rated 5 out of 5 stars

Easy to renew with great info from RAC. Price for renewing was good too.

Rated 1 out of 5 stars

I paid for my insurance and then realised that I should have added breakdown cover as my separate breakdown policy (actually with the RAC) was due to expire on the same day as my car insurance. I... See more

Company replied

Rated 5 out of 5 stars

The fact that is was so easy was a very good experience as I am 81 and a bit nervous about getting things done The price was also good.

Rated 5 out of 5 stars

So far, all is good, Setting up the policy easy & straightforward to do. As I've only had the policy in effect for 3 days, I will need a longer assessment period in order to give a more long term view... See more

Rated 5 out of 5 stars

Helpful and constructive ? Dunno. Been using RAC insurance for a long time now. I do'nt like the hastle of faffing about on the internet to get the best deal, etc. RAC provide a good annual lnsuranc... See more

Rated 5 out of 5 stars

Really took care of me, excellent customer care, it makes all the difference to anyone with health issues.

Rated 4 out of 5 stars

The procedure of renewing my insurance was very easy. My only comments was the price which I thought was excessive

Rated 2 out of 5 stars

Supposedly started a policy that I never confirmed after a significant price increase. Still have not had a refund of original policy premiums Have since had a reply from RAC stating that refun... See more

Company replied


Company details

  1. Insurance Broker
  2. Auto Insurance Agency
  3. Insurance Agency

Written by the company

The RAC has been providing peace of mind to motorists since 1897. We are dedicated to helping drivers across the UK with a wide variety of products. RAC Car Insurance offers drivers quality insurance, from a name you can trust with options to suit your needs. If you like to do everything digitally, RAC Online Car Insurance is for you! View your cover, make changes, or renew — all through your online account, 24/7. Cutting out the call centre makes RAC Online our cheapest car insurance option. If you prefer the reassurance of talking to the team, our standard RAC Car Insurance is a great choice. We’ve been named ‘Moneyfacts Car Insurance Provider of the Year’ five years in a row, so you know you’re in safe hands. Get your quote online today – direct from the RAC.


Contact info

4.4

Excellent

TrustScore 4.5 out of 5

14K reviews

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Rated 4 out of 5 stars

matter resolved

Very nice lady from RAC explained the card problem and resolved to my satisfaction.
Thank you

16 April 2026
RAC Car Insurance logo

Reply from RAC Car Insurance

Hi Derek,

Thank you for your feedback — I’m sorry to hear about your experience.

When a policy is set to automatically renew, the system will attempt to take payment using the card details held on file at the time, rather than any updated details that may be saved on a separate device or used previously for manual payments.

I understand your concern, especially as you have up-to-date card details that you use when making payments yourself. Unfortunately, if those details weren’t updated on the policy before the renewal attempt, the system would still try the older card, which can result in a declined payment and a charge being applied.

That said, we’d be happy to review this for you to ensure everything has been handled correctly and discuss this further. I will be in touch soon.

Vicky

Rated 1 out of 5 stars

Don't touch with a barge pole

Don't touch with a barge pole. If you ever make a claim and then wish to cancel the policy sometime in the future say sold car for ill heath you don't get any if your premium back cheers thanks. Also online portal is crap. You just dont have enough options so you land up texting with a human anyway. Might as well have gad a phone call.

16 April 2026
Unprompted review
RAC Car Insurance logo

Reply from RAC Car Insurance

Hi,

I'm really sorry to hear that you were unhappy with the service that you received from us and also sadden to hear about your ill health.

Unfortunately, as with most insurers, if a claim has been made during the period of insurance that your underwriter is not able to recover the cost for, then if the policy is cancelled, the full annual premium is payable.

We are also sorry that accessing and dealing with everything via your online account was frustrating, as the options that you needed were not available.

Your feedback is valuable to us and if there is anything that we can help you with please email your policy details to us at socialresponders@bglgroup.co.uk.

Your case will be dealt with by BISL Limited, who arrange and administer your car insurance policy on behalf of RAC.

Vicky

Rated 4 out of 5 stars

Seems like a good deal

Seems like a good deal. I found it a bit confusing as to exactly which level of cover you were purchasing. Also, the lack of any phone contact, apart from claims, feels a bit daunting.

8 April 2026
Rated 3 out of 5 stars

RAC Car Insurance (repeat policy)

RAC Car Insurance (repeat policy)
Price was very good.
They made several mistakes on the first policy which I asked them to correct for my renewal. The request was not actioned - the same errors were present at renewal time.
No reply was received to my on-line requests for amendments to my policy due to errors they made.

2 April 2026
RAC Car Insurance logo

Reply from RAC Car Insurance

Hi June,


We’re pleased to hear you found our pricing competitive, but we’re sorry to learn about the issues you’ve experienced with errors on your policy and the lack of response to your requests. This is not the level of service we aim to provide.

We would like to look into this for you and make things right. A member of our team will be in touch to review your policy and ensure the necessary corrections are made as quickly as possible.

Thank you for bringing this to our attention, and we appreciate your patience while we work to resolve this for you.


Many thanks,
Kirsty

Rated 1 out of 5 stars

Avoid at all costs

RAC could not insurer my newer car, so I had to go elsewhere- upon cancelling my current insurance they charged me £45 cancellation feee from the insurer and £45 for themselves

That was 33% of my insurance cost

Beware RAC insurance, total rip off merchants

And I am half tempted to make a complaint to the FCA as they didn’t make these fees clear when I took out the insurance .

Avoid at all costs.

8 April 2026
Unprompted review
RAC Car Insurance logo

Reply from RAC Car Insurance

Hi Richard,


We’re sorry to hear about your experience and understand your frustration regarding the cancellation fees. We aim to be transparent about all charges, so it’s concerning to hear that this wasn’t clear at the time of purchase.

We’d really like the opportunity to look into this for you and discuss your concerns in more detail. Please could you email your policy details to socialresponders@bglgroup.co.uk so that we can review your case and assist you further.

We look forward to hearing from you and working towards resolving this matter.

Your case will be dealt with by BISL Limited, who arrange and administer your car insurance policy on behalf of RAC.


Many thanks,
Kirsty

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