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RAC Car Insurance Reviews 

19,974
•
TrustScore 4.5 out of 5

4.4

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Review summary

Created with AI, based on recent reviews

Looking at 12,235 reviews, reviewers overwhelmingly had a great experience with this company. Customers frequently appreciate the competitive pricing and fair quotes that often beat alternative options by a wide margin. People also find the online platform exceptionally simple to navigate for managing policies, making updates, and viewing important documents. However, some customers also noted unexpected and steep price increases when it came time to renew their existing policies. Reviewers mentioned that these surprisingly high renewal quotes caused frustration, leading some consumers to question whether to stay. A few individuals experienced difficulties when trying to get additional support or clarity regarding their updated costs.

What people talk about most

Price

Users describe positive interactions with price, frequently highlighting competitive rates, seamless... See more

Service

Reviewers mention positive feedback about service, noting that everything is quick and easy to arrange online... See more

User experience

Reviewers highlight positive aspects of user experience, noting that the website and app are simple to... See more

Website

Customers had positive experiences with website, frequently highlighting that it is very easy to use,... See more

Subscription

Clients share positive opinions on subscription, highlighting that it is very easy to renew online at a good... See more

Reviews shaping this summary

Rated 4 out of 5 stars

There was nothing we had to do except check the insurance and that was it. It’s such a great way to be able to relax and not have to worry or start ringing round to compare prices we had lots of quot... See more

Company replied

Rated 5 out of 5 stars

Great value, over 100.00 less than the next cheapest. Very efficient system for renewal. Excellent. I expect there are many drivers who end up renewing with different companies every year, due to th... See more

Company replied

Rated 5 out of 5 stars

I've renewed car insurance with RAC for many years. The renewal process is always seamless, the product reassuring and the price fair. The added comfort of having RAC at hand and helpful in the event... See more

Company replied

Rated 5 out of 5 stars

My initial offer for renewal was higher than i had expected or hoped, so decided not to renew. I then had second thoughts and contacted them again, i thought they might not entertain my call, but... See more

Company replied


Company details

  1. Insurance broker
  2. also in
  3. Car and Motor Insurance Agency
  4. 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

20k reviews

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4.4

All reviews

(19,974)

11,127 reviews in the last 12 months

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Rated 5 out of 5 stars

Very easy to renew at a reasonable…

Very easy to renew at a reasonable price.

10 September 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, why not refer them? You can earn a £25 e-gift card for each successful referral, and your friend will benefit too: rac.co.uk/insurance/refer-a-friend

Rated 5 out of 5 stars

Easy online renewal.

27 September 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, you can get a £25 Amazon gift card for up to 12 successful referrals. Plus, your friend will receive a reward too. Use this link: rac.co.uk/insurance/refer-a-friend

Rated 5 out of 5 stars

Great value for money

No increase in renewal cost. It was actually cheaper than previous year

22 September 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, you can get a £25 Amazon gift card for up to 12 successful referrals. Plus, your friend will receive a reward too. Use this link: rac.co.uk/insurance/refer-a-friend

Rated 3 out of 5 stars

It's a necessary expense

It's a necessary expense. I shopped around online and found RAC Insurance gave me the cover I need for a price that is just about acceptable!

27 September 2026
RAC Car Insurance logo

Reply from RAC Car Insurance

Hi Elizabeth,

Thank you for taking the time to leave your review and choosing RAC insurance for another year even after reviewing other policy prices!

Vicky

Rated 5 out of 5 stars

as a returning customer I find renewing…

as a returning customer I find renewing my insuranse to be so easy and very helpful to renew with no need to trawl through dozens of web site to get a better deal.

20 September 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, why not refer them? You can earn a £25 e-gift card for each successful referral, and your friend will benefit too: rac.co.uk/insurance/refer-a-friend

Rated 5 out of 5 stars

I was pleased to get a reduction in my…

I was pleased to get a reduction in my renewal price.

19 September 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 3 out of 5 stars

There is no phone number because RAC do…

There is no phone number because RAC do not wish to speak to customers! Contact is all via bots!

22 September 2026
Unprompted review
RAC Car Insurance logo

Reply from RAC Car Insurance

Hi Christopher,

Thank you for your review!

We do have 2 policy types; we have standard RAC, which comes with call centre support, and RAC online-only policy type, which is more budget-friendly and does not have contact center support but has reduced fees and lower premiums so that customers can select what best suits their needs.

If you send your policy details to us at socialresponders@bglgroup.co.uk, we would be happy to assist you with your query. Your case will be dealt with by BISL Limited, who arrange and administer your car insurance policy on behalf of RAC.

Vicky

Rated 1 out of 5 stars

Worse than appalling - don’t even consider using this company

Worse than appalling. Information I’ve sent to set up a new policy has not been acted on, there has been no linking of my emails and any information or proofs connected to my policy, and my premium on a new policy has been increased exponentially.
I have been charged just under £200 for less than one month’s insurance for my new VW T Cross - I have over 25 years of NCB.
Virtual chat and assistance is less than useless.
I have terminated my policy after a month with a week’s notice, only to be told that the policy is inactive immediately, although payment has been taken for the extra week. I have had nothing but negative experience, contradictions, increased charges and nonesense from this company.
I am so pleased I’ve not had to rely on this appalling service to make a claim.

29 September 2026
Unprompted review
RAC Car Insurance logo

Reply from RAC Car Insurance

Thank you for sharing your feedback with us. I'm so sorry for the frustration and hassle you’ve experienced with your new policy, emails, and charges. We really want to get this sorted out 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.

Thank you again for bringing this to our attention, and we look forward to getting things reviewed for you.

Vicky

Rated 4 out of 5 stars

Very good insurance package

Very good insurance package, but the renewal price was off target. You did reduce the price to a much more competitive price, but after another years no claims, why was it so expensive.
It cost you a star!

26 September 2026
Rated 5 out of 5 stars

FAIR PRICE WITHOUT THE HASSLE

FAIR PRICE WITHOUT THE HASSLE. STAFF EASY TO SPEAK TO, POLITE AND UNDERSTANDING.

9 September 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

first year renewing with current…

first year renewing with current provider for over 10 year

21 September 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

Because I didn't have to do anything

Because I didn't have to do anything.
Automatically renewed!

26 September 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

I found renewing quite easy

I found renewing quite easy, and was very pleased to be offered the free recovery from you

26 September 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, why not refer them? You can earn a £25 e-gift card for each successful referral, and your friend will benefit too: rac.co.uk/insurance/refer-a-friend

Rated 5 out of 5 stars

Great service

Great service good price

20 September 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, you can get a £25 Amazon gift card for up to 12 successful referrals. Plus, your friend will receive a reward too. Use this link: rac.co.uk/insurance/refer-a-friend

Rated 5 out of 5 stars

Easy peasy.

Very slick process to renew.

26 September 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

Cost effective and so easy

Cost effective and so easy
Having had to obtain car insurance for over 40 years the way the RAC have gone about supporting and supplying this car insurance as to be the the most stress free easist way I have ever used ..minimal form filling policy explained in a straight forward uncomplicated way and very competitive priced

8 May 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

Simple

Simple, easy and a good price

26 September 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, you can get a £25 Amazon gift card for up to 12 successful referrals. Plus, your friend will receive a reward too. Use this link: rac.co.uk/insurance/refer-a-friend

Rated 5 out of 5 stars

Our family has always used RAC because…

Our family has always used RAC because we trust them.

21 September 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, why not refer them? You can earn a £25 e-gift card for each successful referral, and your friend will benefit too: rac.co.uk/insurance/refer-a-friend

Rated 4 out of 5 stars

paid almost the same price as last year…

paid almost the same price as last year +£2 result 😊

26 September 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, you can get a £25 Amazon gift card for up to 12 successful referrals. Plus, your friend will receive a reward too. Use this link: rac.co.uk/insurance/refer-a-friend

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