Whatever you do, do NOT deal with RAC Black Box Insurance. The most incompetent bunch of unhelpful people I have dealt with in years. I would rate their so-called 'service' as little more than a legalised SCAM! When their renewal offer was made, I accepted online but found I could not get the payment to go through their website as I was travelling overseas. I sent a secure msg to RAC to call me to make the payment. They did not reply. By the time I returned home, the renewal had lapsed (by one day). RAC then demanded an additional gbp300 to renew! The person I then spoke to refused to pass my call to a manager. Fortunately I noticed the RAC policy was actually underwritten by AVIVA. I called Aviva direct and got the same cover for over 40% less than what RAC wanted to renew. (60% less than if I had paid that extra gbp300) Presumably the rest would have to to RAC in commissions. Like I said, RAC Black Box is nothing more than a legalised SCAM!