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RAC Car Insurance Reviews 

19,184
TrustScore 4.5 out of 5

4.4

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Review summary

Created with AI, based on recent reviews

Looking at 12,282 reviews, reviewers overwhelmingly had a great experience with this company. Customers frequently praise the competitive pricing and the affordable premiums offered for their car insurance policies. People also appreciate the exceptionally smooth user experience, noting that navigating the online platform to complete tasks is very straightforward. Some reviewers were not happy with unexpected price increases when their policies came up for renewal. Consumers noted that their yearly premiums rose significantly without a proper or clear explanation provided beforehand. A few other people also felt that managing certain website features or understanding the complex policy terms could be slightly challenging.

What people talk about most

Price

Reviewers mention positive feedback about price, highlighting competitive quotes and reasonable renewal costs... See more

Service

Consumers find service to be positive, highlighting competitive pricing, efficient processes, and helpful... See more

User experience

Users describe positive interactions with user experience, noting that the website and online forms are very... See more

Website

People report positive experiences with the website, finding it very easy to navigate and straightforward for... See more

Subscription

Clients share positive opinions on subscription, frequently highlighting the smooth and straightforward... See more

Reviews shaping this summary

Rated 4 out of 5 stars

I bought a policy to insure my car5or6 days ago, by mistake, I canceled the policy soon after, but on checking my bank statement you have still taken the payment, can you please help. I gave the one... See more

Company replied

Rated 4 out of 5 stars

like all kinds of insurances what fits your requirements and pockets is thr differance to cost and choice this setup suited me

Company replied

Rated 5 out of 5 stars

I had quotes from many companies when my renewal became due but was very pleased with the quote I received through RAC. I now have the policy I wanted at a very competitive premium. I would highly rec... See more

Company replied

Rated 5 out of 5 stars

Spoke with Tracey (Tracy) today to discuss my insurance renewal quote. What a lovely lady, credit to your company. Not only reduced my quote, but did it with kindness and such polite professional... 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

19K reviews

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4.4

All reviews

(19,184)

11,408 reviews in the last 12 months

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Rated 5 out of 5 stars

This is the the third year of my using…

This is the the third year of my using this service.
Convient online and more reasonably priced than other quotes I received
Recommended.

July 14, 2026
RAC Car Insurance logo

Reply from RAC Car Insurance

Thanks for taking the time to leave us such a positive review! If you want to recommend us, both you and your friend can get a £25 Amazon gift card for up to 12 successful referrals. Use this link: rac.co.uk/insurance/refer-a-friend

Rated 5 out of 5 stars

Great service and easy to use site…

Great service and easy to use site great price from a reliable company

September 1, 2026
Unprompted review
RAC Car Insurance logo

Reply from RAC Car Insurance

Thanks for taking the time to leave a positive review. We're glad to hear everything went well when you bought your car insurance. If you know someone who needs car insurance, you can earn a £25 e-gift card for each successful referral here: rac.co.uk/insurance/refer-a-friend

Rated 1 out of 5 stars

Bought breakdown cover with the RAC…

Bought breakdown cover with the RAC Online Car Insurance promising digital-only/self-service expecting it to be a normal breakdown package like I had previously. No telephone support, no myRAC app support (isn't this digital?). This wasn't stated on purchase... "completely online, by you.". Can't manage my breakdown online with myRAC. Can't access the full "breakdown cover details" online anywhere. Need to phone to report a breakdown. Is this digital only? Feel this is misleading selling. Called RAC insurance and RAC breakdown and they won't give me a membership number for myRAC.

August 25, 2026
Rated 5 out of 5 stars

Good website to navigate.

Good website to navigate
Gives good options for Insurance.
Also savings on RAC items such as tyres etc.
Been around along time and seem to offer affordable Insurance.
A name that can be trusted.

August 30, 2026
RAC Car Insurance logo

Reply from RAC Car Insurance

Thank you so much for the wonderful feedback! It really means a lot to us. If anyone you know needs car insurance, refer them using the link below. You'll both earn a £25 e-gift card when they get insurance with us following your unique link. See details here: rac.co.uk/insurance/refer-a-friend

Rated 5 out of 5 stars

Easy to renew Insurance

Easy to renew Insurance
Easy to contact
Process made simple to understand and renewal notified

August 21, 2026
RAC Car Insurance logo

Reply from RAC Car Insurance

Thanks for taking the time to leave a positive review. We're glad to hear everything went well when you bought your car insurance. If you know someone who needs car insurance, you can earn a £25 e-gift card for each successful referral here: rac.co.uk/insurance/refer-a-friend

Rated 1 out of 5 stars

Didn't receive annual renewal notice

Didn't receive annual renewal notice, only an email on the date of policy expiration, which panicked me into renewing (I'm the sole live-in Carer for my Mother whom has Dementia, so my time is fully utilised on a daily basis), therefore I had to panic into an annual renewal ..resulting in my premium doubling!!

This is my 3rd, and LAST insurance policy (and breakdown cover policy, renewal in November).

I sent a Complaint to the RAC, via their website. 4wks later, STILL no response.

And I thought the AA were poor ..

September 1, 2025
RAC Car Insurance logo

Reply from RAC Car Insurance

Hello Valerie,

Thank you for taking the time to leave us a review. I am sorry you still remain unhappy with your experience following the complaint you raised. Our customer relations team have now closed the complaint and sent you a final resolution email. If you still remain unhappy with the outcome of your complaint, please follow the steps on this email.

Thanks,
Rachael

Rated 5 out of 5 stars

RAC renew

Quote was very close to previous year and matched other online enquiries.

August 28, 2026
RAC Car Insurance logo

Reply from RAC Car Insurance

It's great to know you were happy with our service. Thanks for the review! If you'd like to recommend us to anyone, just send them the link below. We'll give you both a £25 e-gift card after they join. See details here: rac.co.uk/insurance/refer-a-friend

Rated 5 out of 5 stars

Good service everything is fine thank…

Good service everything is fine thank you very much

August 29, 2026
RAC Car Insurance logo

Reply from RAC Car Insurance

Thanks for taking the time to leave a positive review. We're glad to hear everything went well when you bought your car insurance. If you know someone who needs car insurance, you can earn a £25 e-gift card for each successful referral here: rac.co.uk/insurance/refer-a-friend

Rated 5 out of 5 stars

As a motorist of some years

As a motorist of some years, I've found it annoying to have to pay exorbitant amounts for my insurance cover, just because of my age.
On this occasion though, by going through RAC, I have, at last, found a reasonably-price cover that doesn't unfairly treat me because I'm 85 years of age.
Well done!! And THANK YOU!

August 30, 2026
RAC Car Insurance logo

Reply from RAC Car Insurance

Thank you so much for the wonderful feedback! It really means a lot to us. If anyone you know needs car insurance, refer them using the link below. You'll both earn a £25 e-gift card when they get insurance with us following your unique link. See details here: rac.co.uk/insurance/refer-a-friend

Rated 5 out of 5 stars

good service

August 25, 2026
RAC Car Insurance logo

Reply from RAC Car Insurance

Thanks for taking the time to leave us such a positive review! If you want to recommend us, both you and your friend can get a £25 Amazon gift card for up to 12 successful referrals. Use this link: rac.co.uk/insurance/refer-a-friend

Rated 3 out of 5 stars

Repeated emails for information already…

Repeated emails for information already provided

August 30, 2026
RAC Car Insurance logo

Reply from RAC Car Insurance

Hi Lawrence,

Thank you for taking the time to leave us a review. I am sorry to hear you are unhappy with the CUE process we follow in regard to the communications sent. I will be in touch to discuss your feedback further, to see if there is anything we can do to improve your experience.

Thanks,
Rachael

Rated 2 out of 5 stars

i was not aware that i was not going to…

i was not aware that i was not going to receive any paperwork when i took out this policy as i am old i did not understand buying online was no paper work

August 30, 2026
RAC Car Insurance logo

Reply from RAC Car Insurance

Hello Peter,

Thank you for taking the time to leave us a review.

Our online only policy can only be administered online via the self-service centre and by speaking to our webchat team. However, documents can be requested in any format, including paper documents that can be posted to you.

I will send you an email discussing this in more detail, and the email can be responded to if you have any further questions.

Thanks,
Rachael

Rated 1 out of 5 stars

Policy price significantly increased after agreeing quote.

At the quotation point, a claim date was incorrect by 3 months - this was highlighted by yourself from CUE and confirmed that no cost adjustment involved. Instead of amending the date you added it as another claim with out getting my agreement. I queried this on receiving a new amended policy, to find the policy price had now increased by >£100 as it was now nearer the renewal date. It took 3 separate attempts to cancel the policy with admin charges being applied as well a policy cover due to the bank holiday closure !

August 27, 2026
RAC Car Insurance logo

Reply from RAC Car Insurance

Hello Mrs Haywood,

Thank you for taking the time to leave us a review. I am sorry to hear you did not have a good experience and are unhappy with the CUE update on your policy. Our team will be in touch to discuss your feedback and to see if there is anything we can do to improve your experience.

Thanks,
Rachael

Rated 5 out of 5 stars

Staff friendly and knowledgeable about…

Staff friendly and knowledgeable about all aspects of the policy I have

August 29, 2026
RAC Car Insurance logo

Reply from RAC Car Insurance

It's great to know you were happy with our service. Thanks for the review! If you'd like to recommend us to anyone, just send them the link below. We'll give you both a £25 e-gift card after they join. See details here: rac.co.uk/insurance/refer-a-friend

Rated 1 out of 5 stars

Phoned for a quote for my sons car…

Phoned for a quote for my sons car which was covered by learner insurance so wanted to add it to my policy so I could drive it if needed.
Went through the quote, then they asked for my sons details I reiterated that he had leaner insurance.
At this point I was accused of insurance fraud and that I would be reported.
I pointed out the fraud would be if I claimed twice and this was confirmed by another insurance company.
Went back to the leaner insurance company and a lovely lady sorted it and added me as a driver.
Totally shocked by RAC, didn't renew.

August 1, 2026
Unprompted review
RAC Car Insurance logo

Reply from RAC Car Insurance

Hello,

Thank you for taking the time to leave us a review.

We would be unable to insure your son's vehicle, as it is already insured with another company, and you would need to go direct to that company, as you have stated you have now done, and add yourself as a named driver to your son's policy.

However, I do apologise for how this was handled and explained to you. We have been unable to locate your policy so cannot contact you to discuss this feedback further. If you would like us to contact you to discuss your feedback, please email your policy number to socialresponders@bglgroup.co.uk and our team will be in touch.

Thanks,
Rachael

Rated 5 out of 5 stars

Easy

Straight forward, good price.

August 30, 2026
RAC Car Insurance logo

Reply from RAC Car Insurance

Thanks for taking the time to leave a positive review. We're glad to hear everything went well when you bought your car insurance. If you know someone who needs car insurance, you can earn a £25 e-gift card for each successful referral here: rac.co.uk/insurance/refer-a-friend

Rated 1 out of 5 stars

They increased my insurance by almost…

They increased my insurance by almost 50% for no reason (no change in circumstances, no claims)..
Adding few more information as to show it's pretty much a pattern from their side.

2023
Last year's total: £640.93
Total to pay: £871.91

2024:
Last year's total: £871.91
Total to pay: £1301.54

2026:
Last year's total: £833.91
Total to pay: £1179.96

Each time no claim and no change of circumstances.
So every time prices have gone up and required close to 50% more, but suddenly they could afford to give me the same offer or lower?
No I'm not interested in contacting RAC team for them to have a "look into it" as it is simply disgraceful business policy

September 1, 2026
Unprompted review
RAC Car Insurance logo

Reply from RAC Car Insurance

Hi Allessandro,

Hello, thanks for reaching out. I completely understand how frustrating it is to see a price increase like that, especially when nothing has changed on your end and you haven't made any claims.
Insurance prices can change due to broader market factors, like rising repair costs across the industry. However, we’d love the chance to check your quote and make sure everything is completely accurate for you.
So we can look into this for you, please email your policy details to 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.We're here to help get this checked out for you.

Vicky

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