I was talking to my smashy. RACV rejected a claim for one of his clients because he had tinted windows and one other thing, even more trivial than the tinted windows.
Neither of them contributed to the accident at all, but because he didn't inform them, he lost out badly.
I'd personally steer clear of RACV, unless you have a perfectly roadworthy and stock (unless you've told them about EVERYTHING) car.