RAC Car Insurance

RAC Car Insurance

 Verified
RAC Car Insurance
2.1

288 reviews

PositivevsNegative
25% · 71207 · 72%
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Claim Resolution Time
  • <1 hour
  • <1 week
  • 1-2 weeks
  • 2-4 weeks
  • 1-2 months
  • 3+ months
Claim ApprovedYes · No
Value for Money
2.3
Customer Service
2.2
Timeliness
2.4
Job Satisfaction
2.0
Transparency
2.0

Reviews

288 reviews
Car L.
Car L.Western Australia
  Comprehensive

Amazing staff member at call centre

I have got a current claim and I have spoken to a lady named Sarah 2 times now and she has been so very amazing and I have both times been so happy and felt so looked after. Thanks Sarah for being so good at wat u do. Show details
Owen G
Owen GPerth, WA3 posts
  Comprehensive

RAC car insurance - great service from Collision 1, Wangara

I have 5 policies with RAC - 2 cars, 1 motorcycle, 1 caravan and House & Contents. I moved from a well known insurer to RAC as I was unhappy with the premium increase. I was very happy with RAC this year when all 5 policies because due over a month period. The overall increase in premums across all 5 policies was 5% which given the current economic climate is not unreasonable. I also recently had to claim for damage to one of the cars. We were not at fault and RAC immediately accepted this and we were not required to pay the excess. The car was repaired at Collision 1, Wangara. The service was excellent in every respect! Show details
The D.
The D.11 posts
  Comprehensive

Premium ramped 27% in one year - risk hasn't changed

The usual story - loyal, long term customer, old bloke, careful driver etc. Comprehensive policy covering $50,000 car only driven 10,000 km a year when we take the caravan out a couple of times, kept in locked and alarmed garage behind locked gate at all other times. 2023 premium $736 and 2024 premium $931. I called to query a 27% increase in one year and it seems that I need to be punished because of my postcode. Aparrently it is costing too much to fix other people's cars, so I need to pay more. The man who I spoke with was far from understanding and certainly not conciliatory in any way. When I spoke, he spoke over me. I had to tell him to be quiet and listen. Then he argued with me. The call ended quickly after that. Not happy at all. Show details
JTENNE
JTENNE3 posts
  Comprehensive
Customer Service
Frank S.
Frank S.
  Comprehensive

No Customer Trust

RAC is happy to accept our money for decades of NO CLAIM, however the minute we made our FIRST ever claim, they put on their magnifying glasses on and dig into all proofs, including our personal medical records. Finally it was approved and our damaged car was fixed, however the feeling was terrible as RAC has absolutely NO element of trust on their paying customers. Total disbelief and well focused on their own benefits and financial gains. RAC policies are set SO WELL to make us poor at all time and them get rich. I suppose this is the case for all insurance companies, unfortunately. I recommend do your research, pay less cost for premium and expect better customer service. Show details
tony.
tony.Perth, WA
  Comprehensive

Seems to be a "policy" change in the RAC recently

Agree with most of the previous reviews 30%+ increase and a take it or leave response when queried , 25 yr membership doesnt factor so I moved elsewhere and as my other policies come up for renewal I guess that will be what happens then . RAC used to stand for commitment integrity and value for members and I dont know why that has changed but it has . Show details
Customer Service
Timeliness
Carolina
CarolinaPerth, WA2 posts
  Verified Comprehensive
hornyunicorn2k17
hornyunicorn2k17
  Comprehensive

Ripoffs

Put the price up but LOWERED the agreed value of my car. What a crock. RIP OFFS. Had to cancel my insurance. Can’t afford it anymore. Thieves. Show details
Pissedoffbeyondbelief
Pissedoffbeyondbelief3 posts
  Comprehensive
Jim B
Jim BPerth, WA4 posts
  Comprehensive

RAC Won't Even Test for the Fault

Atrocious, dishonest during claim.
Me: "sunroof faults occur when the car is moving". RAC: "we'll test it when stationary." No fault = No fix. REALLY!!

I went with RAC expecting reasonable, fair & honest dealings. After 15 years of paying premiums to RAC I thought I was with the reputable end of the market. Clearly not. I received "let's find a supercial reason to say 'No' and hope he gives up." That won't happen, I've a totally fair & reasonable claim and happy to take it to the Australian Financial Complaints Authority afca.com.au. Show details

Customer Service
Timeliness
Transparency
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Fred
Fred3 posts
  Comprehensive

price gouging

Massive increases in policy prices for 2024 and massive reduction in the said value of my vehicles. Show details
Value for Money
Customer Service
Disappointed
DisappointedPerth, WA
  Comprehensive

RAC Caravan Insurance, yet another con

RAC Caravan Insurance Policy states that it will cover contents in or attached to caravan annex if stolen/ theft up to value of $1,000.
On a recent holiday in caravan park our 2 bicycles were chained to caravan in annex.
We returned from an outing to find they had been stolen, chains and all. We filed police report.
RAC declined claim as there wasn’t any sign of forced entry! Why would they when they can just walk in.
Another example of an insurer being happy to take your money, but always finding a reason why not to compensate.
Don’t waste your time. Show details
Henny
HennyPerth, WA2 posts
  Comprehensive

Lack of response

A truck side swiped our caravan. They admitted fault and agreed to pay damages. After getting a damage assessment which was then sent to RAC for approval. Six weeks later still waiting. Ringing multiple times and getting fobbed off with, We will get back to you, which they never did!!! What do we do now? Missing holidays away and caravan rallies and getting very frustrated. Have been with RAC for many many years and find their service now to be very disappointing. Show details
R R.
R R.2 posts
  Comprehensive

Scam?

Car renewal received with a reduction of agreed value of over 30% and an increase in premium. RAC state they have an independent company who provides replacement values for vehicles. Whoever they're paying doesn't live in reality. The market value is nearly half of what it would cost me to purchase the same like for like vehicle. RAC continually advise us to be wary of scams yet their business model is exactly that! Pay more for a lot less. It's just shameful.
4 cars, home plus numerous break down policies and they treat you like garbage. It's a one way street for loyalty. Pathetic. Show details
Andria
Andria22 posts
  Comprehensive
Andria
Andria  
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Questions & Answers

Janine G
Janine G · RAC Car Insurance

In June '23 I was rear ended by a driver who is insured with RAC, I am fully insured with a different Insurer . I had to lodge a claim through my insurer as other driver was being evasive & refused to take responsibility. He was on his phone when he hit me ! My car is now fixed after I paid my excess & my insurer paid the balance, & RAC wont reimburse the costs despite me providing dash cam footage & photos of the other driver & their car. I would love to know why this has taken in excess of 5 months. !!! Our family currently have 3 other policies with RAC for other vehicles & 1 Home & contents policy, all of which wont be renewed due to this

hotkiwi
hotkiwi  
Janine G
Janine G  
Jules WA
Jules WA  

Hi Janine, your insurer should pursue RAC for the total costs. I'm surprised they covered it for you when by law it is always the fault of the driver who hits from behind. Please correct me if I am wrong. Surely your insurer is pursuing the costs?

Robert P
Robert P · RAC Car Insurance

I have sold my caravan and the insurance runs until the 11/11/22

Curious
Curious · RAC Car Insurance

Why has my car insurance gone up 30%

Moo M.
Moo M.  
Frank
Frank  

Same thing happened to me? COVID or not, would someone pay $4000 for a crappy, needing constant repair, 20 year old car with 200,000kms?

See all RAC Car Insurance questions

Details

Compare all RAC Car Insurance listings
CategoryRoadside Assistance Providers and Car InsuranceRoadside Assistance Providers and Car InsuranceRoadside Assistance Providers and Car InsuranceRoadside Assistance Providers and Car Insurance
Other Insurance Types Offered Business, Health, Home and Contents, Life, Motorcycle, Pet and TravelBusiness, Health, Home and Contents, Life, Motorcycle, Pet and TravelBusiness, Health, Home and Contents, Life, Motorcycle, Pet and TravelBusiness, Health, Home and Contents, Life, Motorcycle, Pet and Travel
Coverage TypeComprehensiveVeteran, Vintage and Classic VehicleThird Party, Fire and TheftThird Party Property Damage
UnderwriterRACQ Insurance LimitedRACQ Insurance LimitedRACQ Insurance LimitedRACQ Insurance Limited
Legal Liability Cover 25 MillionIncluded up to $20 million$25 Million$25 Million
Roadside Assistance Not OfferedNot OfferedNot OfferedNot Offered
Reduced or Zero Excess Windscreen CoverZero Excess IncludedReduced Excess IncludedNot OfferedNot Offered
Choice of RepairerAllowedAllowedNot ApplicableNot Applicable
After Accident Care
Hire Car after an Incident

Optional, The hire car will be available to you from when the incident is reported, until either:

  • Your car is recovered or repaired and available for collection by you
  • Your car is replaced
  • Three days after payment has been issued to settle your claim

Optional, up to $50 per day for 14 days

Not Included

Not Included

Emergency Transport & AccommodationIncluded, up to $250 if you are 100km away from homeIncluded, up to $500 if you are 10km away from homeNot IncludedNot Included
Towing Costs IncludedIncluded, up to $2,000IncludedNot Included
Hire Car after a No Fault Accident

Not Included

Not Included

Not Included

Not Included

Essential / Emergency RepairsIncluded, up to $750Included, up to $500Included, up to $750Not Included
Benefits
Pay As You Drive / Fixed Kilometre DiscountNot ApplicableNot ApplicableNot ApplicableNot Applicable
Hire Car after Theft

The hire car will be available to you from when the incident is reported, until either:

  • Your car is recovered or repaired and available for collection by you
  • Your car is replaced
  • Three days after payment has been issued to settle your claim

Included, up to $100 per day for 14 days (for motor vehicles driven on a daily basis)

The hire car will be available to you from when the incident is reported, until either:

  • Your car is recovered or repaired and available for collection by you
  • Three days after payment has been issued to settle your claim

Not Included

Lock and Key ReplacementIncluded, up to $2,000Included, up to $2,000Not IncludedNot Included
Transit Cover Not ApplicableIncludedNot ApplicableNot Applicable
Trailer & Caravan CoverIncluded, up to $2,000Included, up to $1,000 or market value (whichever is the lesser)Not IncludedNot Included
Child Safety Seats and PramsIncludedNot IncludedNot IncludedNot Included
New-for-old Car Replacement

If the car is declared a total loss and:

  • less than two years have passed since it was first registered, and
  • you are the first registered owner (other than the selling dealer if your car was a new demonstration model)

Not Included

Not Included

Not Included

Personal Property CoverIncluded, up to $500Included, up to $500 if damaged in an accident or if stolen (excluding money, cheques, credit or debit cards and property used for earning income)Not IncludedNot Included
Uninsured Motorist Benefit Not ApplicableNot ApplicableIncluded, up to $5,000Included, up to $5,000
Accidental Loss or Damage
Malicious Damage / VandalismIncludedIncludedNot IncludedNot Included
FireIncludedIncludedIncludedNot Included
CollisionIncludedIncludedNot IncludedNot Included
Natural EventsNot IncludedIncludedNot IncludedNot Included
Theft or Attempted TheftIncludedIncludedIncludedNot Included
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Contact info for RAC Car Insurance

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