Feel totally ripped off! Paid over £400 for annual multi trip and all seemed RAC backed and fine. Had to claim for £250 of lost flights in early September for medical reasons then encountered RAC's loss adjusters - total nightmare. All communication had to be by email, they refused to divulge their address or phone number - very dodgy! At first they refused to accept claim because we failed to declare a pre-existing condition. We sent proof of our declaration! They finally settled in late November. Our original policy document showed an excess of £100 - fair enough. But they took £200, £100 per person as opposed to £100 per claim. Then took off a further £13 each for APD (whatever that is!) leaving us with a final settlement of £25.....