I have been with RAC for car insurance for about 6 years. They are not the cheapest on the market, but you only get what you pay for. I had a non-fault accident five years ago, and claimed via RAC. The procedure was quite straightforward. I received whiplash injuries after my car was struck in the rear. Because I had taken out Legal Cover, a firm called Minster Law dealt with my claim, arranged physiotherapy for my neck problem, and obtained a settlement for over £2000 for me. My car was repaired and returned to me and a hire car was available during repairs. Every firm will get five stars for arranging to take your money, but how many will give you the high class service that the RAC gave me when I needed to claim.