I am giving the rating based on renewal membership. I have been a loyal customer for over 32yrs and apparently a valued gold member and its very rare I have to request a call out to be honest 6 call outs in the past 32 years!!!!! But every year my renewal goes up and I am having to compare prices with other competitors and AA online quotes to find its cheaper elsewhere. Then having to ring the renewal line to haggle the price down again. Personally I think loyal customers should automatically be given a much lower renewal quote instead of having to haggle the price all the time