D0 NOT TAKE OUT POLICY WITH RAC . Good price - but a rip off if any issues . I had RAC car insurance a couple of years ago - in April 2022 i was driving my Wife's car [ as a second driver on her insurance ] when a pheasant flew into the car and dented it - claimed on her insurance [ Aviva ] and had no problems at all . I foolishly decided to inform my insurer [ RAC ] of the above incase of small print about full disclosure etc - they then charged me £105 - i was told it was admin charge plus higher risk ..... CRAZY - I HAVE NOT HAD AN ACCIDENT FOR 20 YEARS .... and how am i a higher risk because a pheasant flys into the car ???? AND , I did NOT claim from the RAC ! NOTE , Aviva put my Wife's policy up by £35 at renewal . Well done Aviva - RAC , YOU ARE A DISGRACE . Don't touch this company with a very long barge pole .