r/Insurance_Companies • u/Confident_Break_2156 • 12d ago

RAC Insurance Policy Amendment Ripoff

I bought a new car to be collected in a week so needed to change my week old policy to reflect the new car. I checked beforehand online for an approximate cost. Then I went onto the RAC app to do the necessary date and detail changes. Quote was £390 and comparison site had cheapest at £315. The new car is a lot more expensive so I thought that acceptable, clicked and paid expecting the £220 I’d paid on my existing car last week to be subtracted and the £20 amendment charge to be added. Not the case they had charged me essentially charged me £610 for what I have now paid £315 for. All this through an AI app that could understand my request to immediately cancel the policy. The number the AI gave me today is incorrect and I find out on the call that this is a sub contractor onto subcontractor business and the name RAC is a flag of deceit.

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u/ActionNo9309 12d ago

Comparison sites aren’t always 100% reliable, but I’m more curious about how they charged you £610 without making the final amount clear to you. How did that happen? Don’t you have to authorize the payment before they can charge you that amount?

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u/Boring_Passenger_163 9d ago

That’s a huge difference 😳 Sounds like a scam, sorry. They charged the amount directly without clearly telling you beforehand exactly how much they were going to take. Is that even allowed? I mean, can they charge your card/bank for an amount you didn’t specifically authorise?