well actually we claimed through RAC and they were very good. we had problems with the panel beater doing a shocking job, RAC took the car and said they would take it back to the panel beater and we wouldnt see it again until it was done properly. they had the entire front end redone for us and apologised profusely.
my car was written off by a guy who was insured with RAC and i didnt have full comp many moons ago. they undervalued my car initially but i pled a reasonable case to them with ads from the paper etc and they accepted and paid me $9000 instead of $7500.
also with just car they have changed their pricing. they no longer work out NCB from years of claim free insurance, but just years of claim free driving. this saved me $700 this year as my insurance was under my parents name.