Rescuemycar breakdown cover – any good?

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Have had RAC breakdown cover for a year. As a new customer it was £85. Renewal £105. Rang them and they said they would keep it for same price of £85. But for same cover Rescuemycar will cost £55 and I can get Cashback too. But Rescuemycar are not covered by FCA. Does that matter?

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