RAC like most Insurance companies are keen to earn your business. Their website while easy means that your attention is grabbed by the bright colours but your simply and insect approaching a web of horrors. If you miss a payment by one day they allow no grace period and charge you an additional monthly premium, this can occur in the same banking day, so that if your paycheque clear but they tried to debit in the am but could not get payment till after 1600 the same day, your still left with a surcharge. Gone also are the wallet ID cards which were handy in an emergency. RAC also won't want you to know that when I wanted to change more cover from Comprehensive to Liability only, they wanted to increase my total yearly commitment of 280.00 to over £700 pounds. A bizarre amount having never had an accident or violation or any penalty points. Overall RAC provides basic insurance, but don't be fooled by the glossy outlook as there is none.