I have been an RAC customer for years and always just renewed because it was easier. This year I received my renewal pack and discover that on the reverse of the policy schedule there is a breakdown of my payment schedule. My Breakdown Premium was £84.99 and there was an additional Arrangement and Administration fee of £40!! Making a total payment of £124.99. I call RAC as I have never before been advised of any arrangement fee, to be told that there is a new law in place where companies had to be upfront about all charges no administration fee. I told the guy that I thought £40 on a £84.99 policy was extortionate as this was nearly 50% of my actual policy added in administration fee. I was not offered any reduction in this charge and have therefore left RAC. I feel that they have been very crafty in the past by not mentioning this extra fee.