With rac you are guilty until you prove your own innocence, you have a no blame claim where the underwriters give you proof that your no claims and excess are not affected, but rac do not accept this they just drag their heels only interested in getting your money after hours on phone,stress level through the roof,contact all other parties very satisfied with their response rac basically pass the buck with claims and customer Support refusing to engage with each other resulting in me having to pay treble yearly premiums because rac cannot be bothered to do their job with the excuse we are only the brokers,like I said Lv,/Highway could not have been more helpful rac should stand for rotten and callous.