Well we switched from Hastings who were brilliant to RAC. Having looked around. We put all our data into the comparison web site correctly then a week later received a letter saying we had not declared an accident I caused and they were upping the price from the original quote of £263 by £160. DON'T PAY THE THE DEBT COLLECTORS WILL BE ROUND AND YOUR CREDIT SCORE WILL MEAN YOU'LL NEVER BORROW AGAIN DO PAY IT!!! Asked where they had received this information about me driving and causing an accident well apparently my last insurer Hastings had given it. Spoke to Hastings who said no you weren't driving and the third party admitted liability. So back on the phone to RAC saying Hastings happy to talk to them but apparently RAC don't do that. So we have an open claim with Hastings but as open RAC say they treat all open claims as both parties at fault. When I asked about the return of the £160 RAC said probably not. So their letter says £55.00 cancellation fee which is illegal of cough up as the DEBT COLLECTORS would be knocking the door down. Then the final stab In the back "Your policy will go regardless of fault anyway ". AVOID AT ALL COSTS OR YOUR DOOR MAY BE KNOCKED DOWN BY DEBT COLLECTORS when it's their fault not yours !!!