I took out a vehicle policy 6 months ago with the RAC through a comparison site. I paid £170 for 12 months cover. I have just tried to transfer that policy to another vehicle of exactly the same insurance group and have been told that I will have to pay a further £90 plus a £25 'admin fee'. When I suggested that I might cancel the policy instead and start afresh, I was told that my refund, despite having 6 months to run on the policy, would be only £27 and I will also have to pay a 'cancellation fee' of £55! Effectively, I would have to pay the RAC an additional £23 for the privilege of cancelling my insurance mid-term. When I complained and asked what, exactly, I was paying for I was told curtly that "it's in the terms and conditions". Awful company, simply awful. Surprising, really, when there's so much competition around. Don't touch the RAC vehicle insurance with a barge pole people. Rip off RAC!