I bought motor insurance from the RAC this year(2019) for the first time. I thought the price was very competitive, too good to be true that I even took out protected No Claims. I decided to pay by instalments, and the first two payments were fine, then I forgot the due date of the Direct Debit. I got a email to say I have'nt paid the DD and therefore defaulted which will now cost me twenty pounds on top of my monthly payments(thirty seven pounds). I thought oh dear, I'll ring them up to say sorry I'll pay it into their account. I asked that the default fee be rescinded, but the woman on the line was having none of it, no more than it says so in the terms and it must be paid by a certain date. When I checked the terms, it also states they will charge fifty five pounds cancellation fee. This is particularly unfair if you have sold your vehicle and therefore would'nt need insurance anymore. I've now concluded these people are just simply ripping off the public. They are the insurance equivalent of the airline in Ireland that advertises very low fares, but makes it up on various back door fees. I have'nt checked, but it will most likely be a roll over contract, and I certainly won't be using these pickpockets again, nor would I advice anyone to use them. They are nothing more than regular thieves hiding behind a famous name. AVOID I tried to give a one star, but the site won't work at all.