As predicted by those 'in the know' the premium (when eventually provided) was less than the previous year's. Unfortunately I did not receive notice of the lower premium until just a few days before p... See more
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Review summary
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Reviews shaping this summary
Insurance cover details were clear and easily checked on the website. I already have RAC Breakdown and Recovery so no need to add this to the policy at this time. 25 years experience as insurance bro... See more
I renewed with the RAC after doing the online price comparisons and found that there was little difference so decided to renew. We had an RAC patrolman to fix my daughter’s car and that was a posit... See more
Very simple to take out car insurance online and had no problems getting answers to questions from a real person when needed. The price for the policy was pretty good but you don’t know if it’s value... See more
Company details
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
United Kingdom
- rac.co.uk/insurance
4.4
Excellent
16K reviews
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Price was comparable to other quotes…
Price was comparable to other quotes but includes a better selection of services.
Nice for a reputable known company to be as competitive with the another companies.
Web site is easy to navigate.
June 2, 2026
Every year at renewal I have to phone…
Every year at renewal I have to phone and object to my accident record is showing a claim in 2021 which is wrong, I had actually reported that someone had damaged my car while I was in a shop ,at no stage did I make a claim or recieve anything from my insurance company, I completely looked after the damage myself. The claims record company have sent me e mails confirming my position which you have a copy of. I would be grateful if you would remove reference to it from my record, Thankyou B Pendlebury.
May 28, 2026
May use AI-assist with repliesRead more
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The worst experience getting insurance…
The worst experience getting insurance in my life. The AI is terrible on the help page and trying to speak to a human next to impossible. A barrage on emails and administration - they quote a low price then jack it up - you can't call them to speak to a human
June 3, 2026
Unprompted review
Reply from RAC Car Insurance
Hi Windy,
I am so sorry to hear you have had such a frustrating experience. It sounds incredibly stressful to get stuck in a loop with a chatbot when you just want to speak to a person. We want to make managing your insurance as easy as possible, so I completely understand your anger over the price change and the flood of emails.
We want to fix this and get a human to look at your account right away.
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.
Leanne
Watch your debit card date or it will cost you a £25 fine.
My car insurance auto renewed and I was happy with that however as my bank card had just been renewed the RAC fined me £25 for non payment. Various other companies over the years have just pointed out the error with no drama or charges. I will be going elsewhere next year, probably cheaper too as I hadn’t changed from the RAC for years.
May 19, 2026
Reply from RAC Car Insurance
Hi David,
Thanks for taking the time to share your feedback with us, and we’re sorry to hear about your experience. We understand it is frustrating to face a £25 charge.
We always want to handle things smoothly when card details change. We appreciate your honesty about looking elsewhere next year, but we would love the chance to put this right.
We will be in touch with you to see how we can help.
Leanne
very helpfull
May 28, 2026
regular and information
May 28, 2026
The automatic renewal
The automatic renewal meant I didn't need to worry about forgetting to insure my car and find myself uninsured.
May 27, 2026
VERY HELPFULL
June 2, 2026
that it is all contact is online
the cost. hopefully it I will never find out if service lives up to there claims
May 28, 2026
Reply from RAC Car Insurance
Hi James,
Thank you for sharing your feedback. We are glad that you found our costs to be competitive.
We completely understand hoping you never have to find out how our service works in an emergency. If you ever do need help, we will be there to get you moving. We really appreciate you choosing us.
Leanne
Avoid
The questions on their web site for additional drivers are grammatically incorrect. So they charge you for the change, potentially allow 'uninsured' additional drivers to drive uninsured, and then charge you again for removing the additional driver. Speaking to their 'advisors' on the chat line was a waste of time and only added to the frustration. I was not able to speak with a manager and I will certainly be looking elsewhere at renewal time. Shame - been with them for more years than I can remember. Avoid - they've changed over the years!!!
June 4, 2026
Unprompted review
Reply from RAC Car Insurance
Hi Keith,
Thank you for taking the time to share your feedback. I am so sorry to hear about your frustrating experience. It is really disappointing to hear that our website and chat support let you down, especially since you have been a loyal customer for so many years.
We always want our system to be clear and our team to be helpful, so I completely understand why you feel let down by these charges and the lack of support. We want to make this right and look into what happened with your policy.
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.
Leanne
Itvwas easy to renew my insurance very…
Itvwas easy to renew my insurance very competitive price this year easy to ring up and speak to an advisor
June 2, 2026
Really easy to do
I have had my car insurance with the RAC for a while now but they never take this for granted and give me as good a quote as possible.
May 18, 2026
Easy to take out insurance and cheaper…
Easy to take out insurance and cheaper than most.
June 2, 2026
Documentation easy to follow
Documentation easy to follow - 5 stars would have been given for a lesser premium!
May 28, 2026
Just worked and at the right price with…
Just worked and at the right price with all the features.
May 28, 2026
Underhand tactics to squeeze extra money out of you
I am about to part-exchange my car, when I looked into changing the vehicle on my policy they were very conveniently "not able to provide a quote for this request" - no further details or explanation provided.
They were quite happy to instead offer me a whole new policy for a price several hundred more expensive than what I could find on a price comparison website - even with RAC! This quote included a £45 "intermediary services fee".
So instead I have been lumped with paying a cancellation fee of £45 for my current policy and I will take out a new policy with a different provider.
EDIT (for clarity since the response has completely glossed over the middle paragraph). The policy being offered by the agent was for £705, but when I sourced my own quote it came out at £507. Admittedly there will be differences in the details, but I don't believe I was offered a reasonable option by the agent.
June 4, 2026
Unprompted review
Reply from RAC Car Insurance
Hi Mr Reynolds,
Thank you for your feedback.
We're sorry to hear of your disappointment when attempting to change your vehicle on your policy. We understand how frustrating it can be when we're unable to offer cover for a requested change, particularly when this results in you having to explore alternative options.
Unfortunately, there are occasions where an underwriter is unable to provide terms for a vehicle change, and we appreciate that a clearer explanation would have been helpful in your circumstances.
We also understand your concerns regarding the costs involved, including the cancellation fee. Our fees and charges are outlined at the point of sale and within the policy documentation to help customers make informed decisions.
Thank you for taking the time to share your experience, and we're sorry that we were unable to meet your expectations on this occasion.
Vicky
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