Have to say I think RAC are cool.
Only ever broken down twice; once was me being silly and running out of petrol, came within 15 minutes with a can and I was on my way.
Second time wasn't so easy; going over to watch a film with my g/f and the rents and the engine on his 4x4 blew leaving us inbetween 2 junctions on the A14 in thick fog, they got the police to come out and assist until the lowloader turned up and took us home!
Either way you can't beat £15.50 a year.. I pay £7.50 a month for 2 policies, which I think is pretty fair still.