I'm with the RAC - personal cover so I can call them for any of my collection. Been with them since I started driving.
I've needed them 3 times so far - yes I've had to wait for them, but they've told me how long it would be over the phone. On one occasion I went to my mums house while I waited, and the driver picked me up from there on his way over to my car.
The worst case was when I was stranded at 1am in the middle of nowhere. Lone female, so they offered to ask a police car to come to me while they got a recovery truck out, but me being me said 'no thanks' as I didn't want to bother them! Unfortunately it took longer to get the truck than expected, but they did give me £20 and an apology afterwards.
