RAC Car Insurance Review

RAC Car Insurance Review
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User Rating 5 (1 vote)

Who is RAC car insurance?

Launched in 1897, the RAC is one of the most famous motoring brands on our roads. Loyal members often rate the brand highly but it’s possibly a different story when it comes to the insurance arm of the brand. The motoring group sources prices from a panel of 17 insurers – with mixed results.

The range of cover the RAC offers is comprehensive and, when coupled with breakdown cover, could be a one-stop fix with a handy discount. Drivers can access quotes for vans, caravans, motorbikes and classic cars – in addition to regular cars. With temporary insurance plus commercial and learner insurance, alongside an array of regular car insurance, drivers are spoilt for choice.

What does RAC car insurance charge?

As with all car insurance, you’ll need to run your own details for an accurate price. The RAC also features on comparison sites – handy for saving time when you want to compare a wide range of insurance providers. When we ran the numbers for a 5-door Ford Fiesta*, the RAC came in 24th out of over 50 insurance companies. So not the most expensive brand out there, but still coming in at around £90 more than the cheapest quote. The RAC does offer Car Insurance Plus – only available direct from its website, and the brand claims that 10% of customers choosing this cover pay less than £167 a year.

As is often the case, the biggest savings can be made if you’ve racked up some serious no claims discount. The RAC is currently offering up to 65% off for drivers with 9 or more years no claims discount.

How is the RAC customer service?

It’s hard to find specifics about the RAC’s customer service online. The major online review brands don’t separate out the car insurance side of the business. So it’s a matter of trawling through until you find a reviewer talking about car insurance specifically.

The RAC scores highly for customer service on TrustPilot. However, it quickly becomes apparent that the reviews are focusing on the vehicle recovery side of things. The brand is active on review sites, regularly taking time to address criticism and offering a dedicated email address for people to take complaints and problems further.

On TrustPilot, the brand has an average score of 4/5, with customer quotes including:

‘I was happy with RAC, but with a huge rise in my car insurance I had no choice but to look elsewhere, I have had RAC breakdown cover since 1997, when I phoned to cancel my renewal I was offered a lot less insurance to what I was quoted.’

‘The complaints department are getting too many complaints to respond within a reasonable time frame. We have now cancelled our policy and taken it out with another company, our family are also moving from them when their policies are due for renewal.’

‘Do not get car insurance from RAC it’s a total nightmare. Never been so stressed and the amount of money they are taking out of the refund that the letter says I will get is a total rip off.’

What policies does the RAC offer?

The RAC offers an impressive range of options when it comes to car insurance, with specific policies for single cars, young drivers, multi-car and short term cover on offer. Specialist insurance is also available, including Black Box Insurance and Classic Car Insurance. Go direct to the RAC website and you can also take out its 5 Star Car Insurance Plus. This includes the policy items the RAC offers as standard, such as a courtesy car, motor legal protection cover, and repairs guaranteed for 3 years at approved garages. The 5 star upgrade gives you access to the RAC’s uninsured driver promise, child seat cover and vandalism cover.

It’s worth noting that only the RAC’s 5 Star Car Insurance Plus is Defaqto rated five stars. This industry benchmark isn’t achieved by the brand’s basic policy.

RAC Car Insurance in summary?

The RAC’s car insurance seems worth a punt – at the right price. The 5 star premium cover looks like the better option – regardless of the extras tagged on, it’s the only policy they have that’s been given the thumbs up from Defaqto. Why is this a punt? Well, the customer service record appears to be excellent when it comes to breakdown cover, but it looks like something’s falling down on the car insurance side.

As the RAC is repackaging insurance for other brands, it could be that you’re buying the RAC name and the backend paperwork and customer service is being dealt with elsewhere. If that sets off an alarm bell for you, it may not be worth the gamble.

Michael Foote

Michael Foote, founder of Quote Goat, has over 13 years experience working in the finance, insurance and currency sectors, gaining a financial qualification in 2010-2011. LinkedIn Profile

RAC Car Insurance Review

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