Without predjudice. Rac insurance services are staffed by incompetant individuals they mucked up on an insurance policy twice and had to pay extra for them to then cancel the policy after it had been paid in full for the year, and on top of that i had to ask them for the money paid to be returned to me twice and they said it would be paid back within 8 days which has not happened in 14 days phoned them again for them to tell me it hadnt been processed as a refund and im going to have to wait another 8 days for the refund! (If that ever happens?) So do yourselves a favour avoid rac insurances as its nothing but hassle and on top of that i have had to deal with gross incompetance by all i have had to deal with at rac insurance services. Customer satisfaction nill point, competance nill point, hassle 10 point, promises made and implemented by rac nill point, and as for customer care well your better off talking to brick walls and inanimate objects. AVOID AT ALL COSTS!