Why there is no ZERO they even don't deserve one star . I broken down at home when I called 15th October RAC 9am just to be told I was no risk and be low priorities I have to wait 3 to 4 hours. It was hard to take but I accepted . After 4 hours I received call from them telling me they are unable to come till latter that night after rush hours that means I had to wait 13 to 14 hours. After all that no one came. Next I complain to RAC and I was advised to take the matter to the financial ombudsman service I asked them to refund my money because I paid full one year membership and they where not providing the service they sold. 2 week's later. No apologies no refund. Never pay full membership to any insurance