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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With the RAC they mostly send one of their own guys, so you know what
your getting. Cheaper option = local independant who could be rubbish.
Where is your complaint going to? The company you paid for the cover or the company you need to sort an issue?