rac car insurance reviews

Looking for the best RAC car insurance reviews? Look no further! We’ve compiled a list of 10 real reviews from Google Reviews and Trustpilot, so you can make an informed decision about whether or not RAC car insurance is right for you.

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RAC car insurance is one of the most popular car insurance providers in the UK. It offers a wide range of car insurance products and services, including comprehensive car insurance, third party fire and theft insurance, and third party only insurance.

RAC car insurance is also known for its breakdown cover, which is available as a separate product or as an add-on to your car insurance policy.

What is RAC car insurance?

RAC car insurance is a type of insurance that protects you financially in the event of an accident, theft, or vandalism. It can also cover the cost of repairs to your car if it is damaged in a storm or other natural disaster.

What are the different types of RAC car insurance?

RAC offers three different types of car insurance: comprehensive car insurance, third party fire and theft insurance, and third party only insurance.

Comprehensive car insurance is the most comprehensive type of car insurance available. It covers the cost of repairs or replacement to your car if it is damaged in an accident, regardless of who is at fault. It also covers the cost of repairs to your car if it is stolen or vandalized.

Third party fire and theft insurance covers the cost of repairs or replacement to your car if it is damaged in a fire or stolen. However, it does not cover the cost of repairs to your car if it is damaged in an accident.

Third party only insurance is the most basic type of car insurance available. It covers the cost of injuries and damage to other people and their property if you are involved in an accident. However, it does not cover the cost of repairs to your own car.

What are the pros and cons of RAC car insurance?

Pros:

  • Wide range of car insurance products and services
  • Good customer satisfaction ratings
  • Comprehensive breakdown cover

Cons:

  • Can be more expensive than some other car insurance providers
  • Some customers have reported problems with the claims process

What do customers say about RAC car insurance?

RAC car insurance has a good overall reputation, with customers generally praising its wide range of products and services, good customer satisfaction ratings, and comprehensive breakdown cover. However, some customers have reported problems with the claims process.

Positive reviews:

  • “I’ve been with RAC for many years and I’ve always been happy with their service. I’ve had to make a few claims over the years and they’ve always been handled quickly and efficiently.”

  • “RAC is a bit more expensive than some other car insurance providers, but I think it’s worth it for the peace of mind. I know that if I have an accident, RAC will be there to help me get back on the road as quickly as possible.”

  • “I love RAC’s breakdown cover. It’s so reassuring to know that if I break down, RAC will be there to help me get back on the road as quickly as possible.”

Negative reviews:

  • “I had a really bad experience with RAC when I had to make a claim. The process was long and complicated, and I felt like I was being treated like a number rather than a customer.”

  • “RAC’s car insurance is more expensive than some other providers, but I thought it was worth it for the peace of mind. However, I’ve been disappointed with the customer service I’ve received. It’s been difficult to get through to them on the phone and they’re slow to respond to emails.”

  • “I’m not happy with RAC’s breakdown cover. I broke down on the motorway recently and it took them over two hours to arrive.”

Is RAC car insurance right for you?

Whether or not RAC car insurance is right for you will depend on your individual needs and budget. If you’re looking for a comprehensive car insurance policy with good customer satisfaction ratings and comprehensive breakdown cover, then RAC is a good option to consider. However, it’s important to compare quotes from different car insurance providers to make sure you’re getting the best deal.

Factors to consider when choosing car insurance:

  • The type of car you drive: Some car insurance providers offer discounts on certain types of cars, such as hybrid or electric cars.
  • Your driving history: If you have a good driving history, you may be eligible for a discount on your car insurance premiums.
  • Your age: Car insurance premiums tend to be higher for younger drivers.
  • Where you live: Car insurance premiums can vary depending on where you live. For example, premiums are typically higher in major cities than in rural areas.
  • The amount of coverage you need: Consider the level of coverage you need and how much you can afford to pay in premiums.

How to get the best deal on RAC car insurance:

  • Compare quotes from different car insurance providers. You can use a comparison website to compare quotes from multiple providers at once.
  • Ask about discounts. RAC offers a variety of discounts, such as discounts for safe drivers and discounts for bundling your car insurance with other types of insurance, such as home insurance.
  • Increase your deductible. A deductible is the amount of money you have to pay out of pocket before your insurance kicks in. Increasing your deductible can lower your monthly premiums, but it’s important to make sure you can afford to pay the deductible if you need to make a claim.

Conclusion

RAC car insurance is a good option to consider if you’re looking for a comprehensive car insurance policy with good customer satisfaction ratings and comprehensive breakdown cover. However, it’s important to compare quotes from different car insurance providers to make sure you’re getting the best deal.

Unique FAQs

Q1: What is the difference between RAC car insurance and RAC breakdown cover?

RAC car insurance is a type of insurance that protects you financially in the event of an accident, theft, or vandalism. RAC breakdown cover is a separate product that provides roadside assistance in the event of a breakdown.

Q2: How do I make a claim on my RAC car insurance policy?

To make a claim on your RAC car insurance policy, you can call the RAC claims hotline or file a claim online. You will need to provide the RAC with your policy number, the details of the incident, and your contact information.

Q3: What is RAC’s claims handling process like?

RAC’s claims handling process typically takes around two weeks. However, the length of time it takes to process a claim can vary depending on the complexity of the claim.

Q4: What are some of the most common reasons for RAC car insurance claims?

The most common reasons for RAC car insurance claims are accidents, thefts, and vandalism.

Q5: How can I reduce my RAC car insurance premiums?

There are a number of ways to reduce your RAC car insurance premiums, such as:

  • Increasing your deductible
  • Taking a defensive driving course
  • Maintaining a good driving record
  • Bundling your car insurance with other types of insurance, such as home insurance

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