My experience is the same as Andy G and Alan.
RAC quote for renewal with a huge increase. I ring and say it's too much, they reduce the price to a more reasonable figure. Happens in the same way every year...
If it wasn't that I get good cover (family incl 3 sons, personal so covers any vehicle even if one of us is only a passenger, includes Europe) at a figure that ends up being OK, I'd move because I find the whole process frustrating.