RAC Car Insurance Reviews: Real Opinions and Ratings
Choosing the right car insurance is a minefield, especially with so many options to choose from. If you’re looking at RAC car insurance reviews you want to know the full low down on what they offer, how much it costs and the customer service. You want to make an informed decision so you get the best value for your money and the right car insurance cover up for you.
In recent times customer feedback has been mixed. Some have complained about the price and communication. Others have praised the breakdown cover service which has been quick and clear. So it’s a nice addition to their insurance offering.
And how does RAC compare to other insurers? RAC scored 64% in the latest customer survey and is joint 14th out of 27 insurers according to Which?. So there’s some room for improvement but also some good bits. Keep reading as we go into the nitty gritty of RAC’s car insurance policies and break down every detail so you can make the right choice.
RAC Car Insurance Policy
When choosing an RAC car insurance policy think about your driving habits and needs.
Coverage Options: RAC offers different levels of cover. Make sure you choose between comprehensive, third party fire and theft and third party only. Comprehensive is the most cover.
**2. Customer Reviews: Look at reviews on Trustpilot. RAC has a 3.9/5 from over five stars and 108,900 reviews.
Extras: Check for extra’s like extra money for breakdown cover, legal expenses and courtesy car. These extras can add value.
**4. Cost vs. Benefits: Compare the policy cost to the benefits from previous insurer. RAC may not be the cheapest but roadside assistance can be worth it.
Pros and Cons of RAC Car Insurance:
Pros Cons High claims score Low policy score compared to others Lots of extra cover options Standard policy score is low Long history in the industry Mixed reviews from companies on some review platforms
Flexibility: Can you make changes mid-term without big fees? This is important if your needs change.
Claims: Look at the claims process. RAC has a high claims score which is a good sign of good service when you need it.
Considering these will help you choose the right RAC car insurance policy for you.
RAC Car Insurance Options
RAC car insurance offers different types of cover to suit different needs and budgets. These are Third Party Only Insurance, Third Party, Fire and Theft Insurance and Comprehensive Insurance. Each has its own features and benefits.
Third Party Only
Third Party Only is the most basic level of cover RAC offers. It covers damage to other cars, people and their property. This is the cheapest type of cover.
But it doesn’t cover your car if it’s damaged or stolen. You should consider this if your car is old or has low market value. It’s also good if you’re looking for a better price on a new car or the cheapest option.
Third Party, Fire and Theft
Third Party, Fire and Theft includes everything in Third Party Only but adds cover for your car if it’s stolen or damaged by accident or fire. This is a mid option.
You get extra cover without full comprehensive cover. It’s good for those who want comprehensive car insurance or more than the basic cover but need to keep costs in check. This may be good if you have a mid-value car or if you’re concerned about theft and fire.
Comprehensive
Comprehensive is the most cover RAC offers. This is classic car insurance that includes all the benefits of Third Party, Fire and Theft plus covers damage to your car regardless of fault or accident.
This is good if you have a new or high value car or if you want the peace of mind of car insurance plus knowing you’re covered for almost everything. It usually includes windscreen repair and personal belongings cover.
These options suit different budgets and types of car owners.
RAC Car Insurance Benefits and Features
RAC Car Insurance has many benefits and features to consider.
Roadside Assistance and Breakdown Cover RAC is famous for its roadside assistance and breakdown cover. You are insured and can get help if your car breaks down so you’re not stuck.
Multiple Cover Options There are three cover options: Third Party, Third Party Fire and Theft and standard Comprehensive cover. Each option has its own set of benefits to suit different needs.
High Trustpilot Rating RAC Car Insurance has a 3.9 out of 5 on Trustpilot. This is a “Great” rating which means many customers are happy with the service.
Online Policy Management With RAC you can manage your policy online. This makes it easy to update details, make claims or renew your policy without hassle.
64% Customer Score In a survey RAC scored 64% for customer satisfaction, joint 14th out of 27 insurance companies.
Claims Score RAC scored 68% for claims, 6th out of 25. This is important if you want good claims processing.
Additional Features
Courtesy car during repairs.
Uninsured driver promise.
Personal belongings cover.
Windscreen cover.
RAC Car Insurance Customer Reviews
Customer reviews of RAC Car Insurance show varying experiences with claims, customer service and policy renewal. These are useful to know what to expect from RAC’s car insurance.
Claims
Many reviews are mixed on claims. RAC scored 68% for claims, 6th out of 25. So while many have had their claims processed quickly, some have had issues.
Customers have reported quick response times but there are times where delays have occurred. Communication during the claims process is often mentioned, with several users saying it’s clear. But some find customers have felt left in the dark, not knowing what’s happening with their claim.
Customer Service
Customer service with RAC Car Insurance gets mixed reviews. Some users like the friendly and clear communication from the support team. Quick response times and helpful assistance are common positives. For example an RAC breakdown review mentions a good experience with a staff member called Steve.
But there are times where customers felt the service failed to deliver. Complaints include long wait times to get to a person and unhelpful responses. Online reviews also show customers can be very polarised, both very happy and very unhappy. The varied experiences can be due to individual expectations and specific circumstances.
Policy Renewal
Policy renewals with RAC Car Insurance seem to be a sore point for many customers. Several reviews show a big increase in premiums on renewal even for those who haven’t made a claim. One user had a 90% increase in their premium despite no change in their driving record or policy details and switched to Aviva.
And some customers were annoyed with the cancellation fee and lack of transparency on premium increases. Comparing with other insurers shows you can get a better deal elsewhere so it’s worth shopping around at renewal. Despite competitive initial offers the overall satisfaction with renewal process is mixed, leaning towards negative.
RAC Car Insurance Premiums
When looking at RAC car insurance premiums consider:
Pricing:
Age: Younger drivers pay more.
Driving History: Clean record reduces cost.
Vehicle Type: High performance cars cost more to insure.
Customer Feedback:
RAC’s pricing seems to be a concern for some. For example a Trustpilot review mentions a £366.50 increase for a change in employment.
Policy Details:
Standard Policies: RAC’s standard policies get mixed reviews. Which? rated it 52% 28th out of 28.
Customisation: You can adjust your premium by choosing add-ons or coverage options.
Customer Scores:
On Trustpilot RAC has a “Great” rating 3.9 out of 5 stars.
But on Reviews.io the rating is 2.2 out of 5 stars.
Comparative Data:
Metric Rating Rank Customer Score 64% Joint 14th out of 27 Policy Score (Standard) 52% 28th out of 28 Claims Score 68% 6th out of 25
Premiums are a big consideration for customers. Look at all the factors involved and make a decision.
RAC Car Insurance Discounts
When shopping for car insurance saving can make a big difference. RAC Car Insurance has several discounts and savings to help you reduce your premium.
No Claims Discount (NCD)
You can get a big discount for each year you don’t make a claim. The longer you go without claiming the bigger the discount.
Multi Car Discount
If you insure more than one car with RAC you could get a multi car discount which will reduce your overall premium.
Advanced Driver Discount
Completing an advanced driving course may get you a discount. This shows you’re a safer driver which reduces your risk profile.
Security Features Discount
Installing approved security features like alarms, immobilisers and tracking devices can get you a discount. These features make your wife’s car much less attractive to thieves so insurers take less risk.
Online Discount
Sometimes buying your policy online direct with RAC can get you a discount too.
New Customer Discounts
RAC sometimes offer discounts to new customers so it’s cheaper if you’re switching from one company to another provider.
Paying Annually
If you pay annually instead of monthly you might get a discount for avoiding the extra admin costs of higher premium and monthly payments.
Discount Type Potential Saving No Claims Discount Increases over time Multi-Car Discount Lower overall premium Advanced Driver Discount Safer driver benefits Security Features Discount Reduced risk Online Discount Available for online purchases New Customer Discounts Special offers Paying Annually Avoid additional fees
To get these discounts and savings on RAC Car Insurance ask about them when you get your quote. Visit RAC’s website for more.
RAC Car Insurance for Young Drivers
RAC has several other car insurance policies with options for young drivers. One of them is black box insurance. This type of policy uses telematics (a “black box”) to track your driving. Safe driving means lower premiums.
Black Box Insurance:
Monitors driving style: Tracks speed, braking and general driving habits.
Potential discounts: Safe drivers get premium discounts.
Encourages safer driving: Provides feedback to improve driving skills.
In addition to black box insurance RAC has other cheaper car insurance options for young drivers. Their policies include 12 months free RAC Breakdown Cover and Motor Legal Protection.
Other Insurance Options:
Pay-by-mile insurance: Pay by how much you drive.
Temporary insurance: For short term needs.
Learner driver insurance: For when you’re learning to drive.
When looking at costs remember to compare. RAC has a customer score of 64% according to Which? which ranks it joint 14th out of 27 insurance companies.
Key Facts:
Black box insurance for young drivers.
Discounts for safe driving.
Breakdown cover included.
Check out RAC young driver car insurance for more. Make sure you review all options to find a car insurance policy that’s right for you.
Making a Claim with RAC Car Insurance
When you need to make a claim with RAC Car Insurance the process is simple and stress free.
First make sure you have all the necessary details to hand. This includes your policy number, incident details and any evidence such as photos, phone calls or witness statements.
You can start your claim by calling their claims line. The number and call centre can be found on your policy documents or on the RAC website.
Key Facts:
Contact: Have your policy number and incident details to hand.
Documentation: Get evidence like photos, repair estimates and witness statements.
Claims Process: Call the claims line.
RAC Car Insurance has a 68% claims score which is relatively good compared to other providers. They rank 6th out of 25.
How to Make a Claim:
Call the RAC claims line.
Give your policy number and incident details.
Submit your evidence.
Wait for RAC’s response.
Some customers say it’s quick and easy but there’s been mixed feedback. RAC has a 3.9/5 on Trustpilot which is overall positive from a large number of customers.
But individual experiences may vary. Always read the reviews to see what to expect.
For more visit the RAC Car Insurance review on Which?.
RAC Car Insurance Verdict
Customer Scores:
RAC scored 64% in a customer survey, joint 14th out of 27 (source).
Policy and Claims:
The standard policy 52% last out of 28 (source).
Claims 68% 6th out of 25 (source).
Customer Reviews:
RAC 3.9/5 Trustpilot from over 108,900 reviews (source).
Positive feedback is about the simple process and good prices.
Negative feedback is about price increases when policy renews (source).
Problems Mentioned in Reviews:
Policy cost doubles after initial quote (source).
Customer service disappointing with “sharp practices” and no follow up (source).
Pros:
Claims
3.9 Trustpilot
Cons:
Policy score low
Price increases
So RAC car insurance has both good and bad points according to customer reviews star ratings and scores.