Bill, are you sure you had RAC Arrival insurance? As this is a dedicated insurance for caravans arranged through the Camping and Caravanning Club, there should never be any question that a caravan is covered. Ordinary RAC membership would be quite another matter. We have certainly never had any problem in getting assistance, even with problems that related solely to the caravan. It is largely because of our confidence that we will be covered no matter what that we have stuck with this insurance for many years now - it works for us.