My 18 year old grandson passed his test a couple of months ago and has effectively been shafted by Rac insurance and their underwriters He inherited his grandmas car and insured it properly (with help from parents,grandparents etc.). £1800 or so, black box and all that. Couple of weeks ago (on a Saturday night at about 2am), everyone safely tucked up in bed,with the car parked outside, theres a noise outside and there is a major incident going on (police,fire brigade,ambulances all present). Basically a young bloke with a mental problem has gone ballistic and the police are trying to subdue him, chasing him up and down the normally peaceful road with him jumping over walls etc. At some point the lad jumps on top of one of the cars on the street (you guessed it, my grandsons) and trashes it. A write off! So Following day they inform the insurance company about the incident. They expect to lose about £450 (£100 compulsory, 350 additional) but then the bastards add on another 450 because of some small print (which is now the subject of a complaint to ombudsman). Additionally they are now demanding an extra 1400 to insure him for his replacement car above the 1800 already paid. All this for something that had absolutely nothing to do with my grandson. My own insurance is with Rac, when it lapses then they will not be seeing me reinsure with them. Whoever is doing the brokering behind the scenes for Rac are doing a very bad job of customer service in my opinion.