I had cover with both at one time, I broke down on the A23 when I was out on the bike, called the AA and they said that they would be with me in the hour, after three hours and a number of calls to the AA, they said as I was only a motorcycles I would have to wait until they could find some one to come out to me as the car brake downs have parity.
As for the RAC say no more, the wife and I was broken down in Aldeburgh in her Mobility car, four hours later the RAC turn up, as the new car doe's not have a spear wheel it was a case of a relay service home + a taxi for the wife , up turns the lorry, car on back of said lorry bit no taxi for the wife, RAC said that they could not get a taxi to take her to Brighton, they then said that we should take the train back to Brighton,
All in All they are just as bad as each other if you are not in a large town.