I just completed my year with RAC motor insurance, during which there were no issues (I did not make any claims). Towards the end of the year they sent me a letter saying they would renew my insurance for £434 - it said I didn't need to do anything, I could just sit back and it would all be taken care of. £434 was much more than I had paid, and would continue to pay with other insurers (I pay around £250 a year). So their 'sit back and it will all be taken care of' was more of a 'if you are not on the ball enough to ring and change this, we will sting you'. I did ring - I requested that they did not renew. Then on the night that my insurance expired, I got an email saying they were renewing it. The email was - suspiciously- sent 3 minutes after the helpline closed, so there was no chance for me to stop it happening. I rang the next morniing. The advisor was helpful, but it will take around 2 weeks for the £434 to be repaid into my account.