been with rac for 30 years ! they cover all four of us whether in own car or someone elses, used them a few times but its mainly peace of mind, however they have got daft expensive so wont be renewing this year, my car insurers do cover for us all including european cover for about £100 a year less, bikes are covered with peter james insurance, also never had to use it so no idea if any good, but its included free,