I used to have RAC cover, had it for years and never had the use for it until my 8v GTi blew it's head gasket...
I calls them up, says my cars blown the headgasket and i needed recovery. Then they started to ask me loads of stupid questions... Does it start, is there water in it, can i see steam

... At which point i got all arsey, said i was a mechanic and just to come recover me so i can get my money's worth for some of the years of premiums i'd paid...
At that point I made it VERY clear it was a BX and I would need a flat bed as it couldn't be towed on a pole without the engine running, to which they replied "Why is that"? (I also told them a SpecLift would fuck the rear arms up)...
Alas, 90 minutes later they arrived (i'd made the assumption that the long wait was for the truck), A van. Just a standard RAC van. The bloke pulls up and says (and i quote) "not gonna be able to tow that am I"? No shit Sherlock...
After correctly diagnosing the headgasket he calls for the truck and gets told it's a 2-3 hour wait, I spits me dummy out and drove the car the ten miles home wrecking the engine and promptly made a formal complaint.
After 3 months complaining I got 2 years free renewals and a cheque for £250 and a written apology. I also received a similar note to Vanny on my account.
Next time i needed the RAC was about 4 years later, and they screwed that up too in a cataclismic fashion (another story)... alas, complain etc....
I have zero patience for your tedium.