RAC Car Insurance Reviews 8,335

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 consistently praise the company for its competitive pricing and the ease with which they can secure car insurance. Many reviewers highlight that the prices are often better than those offered by comparison sites, and they appreciate renewal quotes that reward loyalty. The user-friendly website and straightforward online account management also receive positive feedback, making the entire process smooth and efficient for consumers. However, some consumers have reported issues with the company's contact methods, particularly the lack of a direct phone line for resolving queries. Some reviewers found the online chat system slow and cumbersome, wishing for a more immediate and personal communication channel. Despite this, the overall user experience is generally considered positive, with many customers appreciating the clear and concise layout of the website.

Based on these reviews

Rated 4 out of 5 stars
Verified

Tried to fill application on line but would not let me put all my driving licence details in, decided not to fill in that part at all but still would not let me get any further. Decided to telephon... See more

Rated 4 out of 5 stars
Verified

that you asked for my accidents and you accepted. In both incidents I was unable to do anything.In the first I was driving out of a hospital car parking spot and hit a stone hospital blocks were belo... See more

Rated 4 out of 5 stars

I initially left a 1-star review due to a mistake on my new car insurance policy. After making payment, I realised the start date was wrong by one day and contacted customer service within 5 minutes... See more

Company replied

Rated 4 out of 5 stars
Verified

Original quotes by RAC were getting too high. After speaking to an advisor, they rewarded brand loyalty by reducing the car insurance price to that quoted by a similar competitor. Made a claim w... See more

Rated 3 out of 5 stars

Having just taken out the policy I cannot say how well the company deals with customer service or claims. The buying process has led to some stress with multiple warning emails and txts where you only... See more

Company replied

Rated 5 out of 5 stars
Verified

Booked my car insurance perfect over the phone, but still haven't received my free breakdown cover, this is one of the reasons we went through RAC. They've sent one code, which l wasn't able to ac... See more

Rated 3 out of 5 stars
Verified

Good price, customer service when taking policy was great. Very Disappointing part, it has taken 4 days for my car to show up on the insurance database!! Which means it shows up as uninsured and li... See more

Company replied

Rated 5 out of 5 stars
Verified

The reason I chose to renew with the RAC is firstly the quote I received challenged all the sites on the net. There was a few cheaper by a small margin but if I find an insurance company that their r... See more

Rated 5 out of 5 stars
Verified

I used the 'Go-Compare' site to obtain a competitive quote since costs all round have gone up so much this past year. Yours was clearly the best quote I was offered. As it covered virtually all the sa... See more

Rated 5 out of 5 stars
Verified

I went online using one of the comparison websites as my policy was about to auto renew and was far too expensive. The RAC insurance saved me around £150 and was easy to setup, plus it covered all my... See more

Rated 5 out of 5 stars
Verified

Five star and no doubt about it. I was abroad when my car insurance was expiring. The price I was given was better than I was quoted via different providers. Also I've received a paper form documents.... See more

Rated 5 out of 5 stars
Verified

Very happy that for the first time in years my renewal was reasonable instead of me having to search for a new policy. Other companies have always sent at double the premiums so I've had to move.

Rated 5 out of 5 stars
Verified

Every year when either my home or car insurance is due I always compare different company prices. This year I chose RAC for my car insurance. It was very easy to fill in the necessary form to get a q... See more

Rated 5 out of 5 stars
Verified

Easy and cheapest provider, However 7 Days after purchasing and 3 Days since the policy start date my car is showing as "not insured" on the Navigate (formally the motor insurance database) website... See more

Company replied

Rated 5 out of 5 stars
Verified

Taking out the insurance was easy.Unfortunately they keep sending texts and emails one after the other even though I have answered the query.? Have had a call from RAC and all issues have been resol... See more

Company replied

Rated 3 out of 5 stars
Verified

Tried to sort out a query with the car insurance on ‘chat’ online but was cut off before I had time to explain. Would really have appreciated being able to talk to a real person! Feel frustrated!

Company replied

Rated 5 out of 5 stars
Verified

Been a customer with RAC car insurance a number of years. I do believe this loyalty has been a benefit. Always had great prices cross checked with others not been beaten. I am an older driver with a c... See more

Rated 3 out of 5 stars
Verified

I tried to call in for a change but no phone lines were working from my mobile so I had to use the online chat. This was painfully slow with no “natural” feedback. After waiting on line for ½ hour,... See more

Company replied

Rated 5 out of 5 stars
Verified

Very easy process and a good deal. After one year expected a price hike as i have experience in the past with other companies but deal was competitive for the following year. Will remain with RAC if... See more

Rated 3 out of 5 stars
Verified

Your initial renewal quote was for £398. When I compared this with other providers I could get similar cover for around £300. When I phoned to complain I was offered a £45 reduction to £353 which I... See more

Company replied

Rated 5 out of 5 stars
Verified

Process is easy to follow but you have to be careful to put in an answer to every question before you can move on. Large emphasis on breakdown cover. The button to decline this is hard to find, Price... See more

Rated 5 out of 5 stars

I have had my policy with the RAC for several years. 'Yes' there are cheaper options available but I stay because of the brilliant customer service I've had. And their very easy to use online accou... See more

Rated 5 out of 5 stars
Verified

I can honestly say the whole experience of buying car insurance with the RAC has been great. Being a totally online service concerned me at first but, when I did have a couple of queries, they were q... See more

Rated 5 out of 5 stars
Verified

Renewing our car insurance was quick & easy. A lot of my details were already there as I have been with RAC before. Also no problem getting my windscreen replaced, with no fuss.

Rated 4 out of 5 stars
Verified

Can’t say it was an ‘experience’ I looked on Meerkat and RAC was the cheapest offering the extras I wanted. It directed me to their website to complete the process - all of which was very easy but it... See more

Rated 5 out of 5 stars
Verified

It was easy to renew my insurance. The only difficulty occurred when I had a query that could not be resolved by the AI. With RAC insurance having no telephone number to call, and dealing with online... See more

Rated 5 out of 5 stars
Verified

It was very refreshing to receive a renewal quote that was rewarding loyalty and worked out to be less than my last year payment. The RAC website is excellent with a very clear and concise layout.

Rated 4 out of 5 stars
Verified

Easy to organise online... but... disappointed to receive a cheaper quote by email the following day! I emailed back to ask to accept the cheaper price but received no reply!

Rated 5 out of 5 stars
Verified

First time for me having to use RAC. Everything, from using the myRAC app, having road side assistance, booking an appointment for the following day and then the repair service carried out, every step... See more

Rated 4 out of 5 stars
Verified

Reasonable price, form filling ok until you get close to the completion. Couldn't get past the addonns when I just wanted to complete. Eventually found out you have to go into the addon to decline and... See more

Rated 3 out of 5 stars
Verified

Bad: 1. RAC was not the cheapest on offer 2. Automatic renewal failed because previous Debit Card had expired - resulting in £20 admin fee Good: Call handler was very polite & helpful.

Company replied

Rated 3 out of 5 stars

I’ve had my car insurance with RAC for several years, my breakdown cover for even longer. I had my renewal quote and then my neighbour hit my legally parked stationery car. I advised RAC for notificat... See more

Company replied

Rated 5 out of 5 stars
Verified

Ins with RAC last year and took out RAC breakdown cover, They sent me the renewals for both products and the price was about the same easy to renew and you get some other money saving benefits too.

Rated 3 out of 5 stars
Verified

On the comparison site the quotation given is misleading because when you click into it it then asks you to consider all the extras which then jacks up the price by another 25% if you take them on. I... See more

Company replied

Rated 5 out of 5 stars
Verified

I received the information for renewing in good time which enabled me to check with other providers. None of these were any better and the process of then ringing up the RAC and renewing was straight... See more

Rated 4 out of 5 stars
Verified

The car insurance is great value for money from a long established and respected company. The cover was less than half the price of a renewal with my existing company (Churchill). So well done RAC!

Company replied

Rated 5 out of 5 stars
Verified

Used various comparison sites before getting my rac renewal, which turned out to be cheaper than all of them and less than the previous year. No brainer.

Rated 3 out of 5 stars
Verified

not easy to communicate with you through emails only. plus need to explain that even if through no fault of your own you still need to get a CUE, or if you do not it will cost you another £100 . and... See more

Company replied

Rated 3 out of 5 stars
Verified

Very disappointing and frustrating when staff give you the wrong information It took me 4 phone calls to get the confirmation I needed And also hard to understand some of the staff!

Company replied

Rated 4 out of 5 stars
Verified

The chat worked well with my problem. I don't use email regularly a letter to prompt attention to renewing would have saved me the missed payment Thanks

Rated 3 out of 5 stars
Verified

Thank you for insuring my car. I would rather speak to someone who can advise me about some of the questions you need answers to before I could move on. Im not great with computers but I muddled throu... See more

Company replied

Rated 3 out of 5 stars
Verified

You only repaid a small amount compared to the lowest price you quoted on the 2 quotes at least it was better than nothing

Company replied

Rated 4 out of 5 stars
Verified

The renewal process was straightforward and painless. However, after renewing I still got alot of reminders to renew, if it hadn't been for this I'd have given it five stars.

Rated 4 out of 5 stars
Verified

All went smoothly except that I prefer a hard copy if document. Thought I'd requested this but hasn't materialised.

Rated 5 out of 5 stars
Verified

No messing gave me a renewal quote which was cheaper than others I had so went with it very pleased

Rated 5 out of 5 stars
Verified

I felt completely assured that RAC would be there for me to help in what ever way they could to help answer any questions I might have and advise me fully on all aspects of my car insurance plus a com... See more

Rated 5 out of 5 stars
Verified

I have been with the RAC for 2 years now and am very happy to renew my insurance for another year it was quick and easy to go for a third year of insurance thankyou

Rated 5 out of 5 stars
Verified

Booked on the Go Compare on line website which was really easy to complete and very cost effective.

Rated 5 out of 5 stars
Verified

very surprised by the renewal price being less than the year before. easy to renew on line.

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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’ four 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

8K reviews

5-star
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1-star

Replied to 97% of negative reviews

Typically replies within 1 week


Rated 5 out of 5 stars
Verified

Gave me a quote considerably cheaper…

Gave me a quote considerably cheaper than last year for the same cover with the same car and same personal details; perhaps loyalty is being rewarded again instead of having to get best deals every year as a new customer.

October 15, 2025
Rated 5 out of 5 stars
Verified

Renewal easy

Renewal easy, had auto renewal contract. Happy wirh new price and didn't need any changes. So just sat back and ket RSC do everything for me

October 15, 2025
Rated 4 out of 5 stars
Verified

It was easy to renew

It was easy to renew. Just concerned in the increase in fees despite no claims for a number of years. My fault, could not be bothered to look around - which businesses probably hope happens

October 15, 2025
Rated 1 out of 5 stars
Verified

Initially I was told I was insured

Initially I was told I was insured, however, the date my insurance ended (I had been insured with RAC in the previous year) I had an email to say I was no longer insured. Eventually I was told because of difficulties with the agent my insurance couldn’t be processed.only after a long re interview time I have become insured my documents arrived by post (as I requested) in the same post I had information I was no longer insured, yet more time to confirm m6 insurance was valid. Awful customer service

October 15, 2025
RAC Car Insurance logo

Reply from RAC Car Insurance

Hi Yvonne,

Thank you for getting in touch and for sharing your recent experience with us. We're very sorry to hear about the confusion and inconvenience surrounding your insurance renewal.

We always aim to be as transparent as possible and include in your renewal offer if the policy will automatically renew or if you need to contact us to accept.

I understand that previous years the policy may of automatically renewed however this is not always the case and can completely see how this may have been overlooked.

I will contact you shortly to see if there is anything further I can do to assist you.

Vicky

Rated 4 out of 5 stars
Verified

Great Customer Service staff

My car insurance quote was a very good price but payment was on auto renew. I had to phone up to change my payment card details and was given an even cheaper quote!. Unfortunately, when the payment came out of my account the figure was actually higher than either of the two quotes. I phoned up the RAC and Customer Services sorted a refund for the difference. Phone calls to Customer Services have always been answered quickly and the staff are very helpful, hence the 4 star rating.

October 15, 2025

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