It's RBC (not RBS... although sometimes the BS is accurate). RBC is a big insurance provider affiliated with one of Canada's chartered banks: Royal Bank.

I've been out of ERAC for a while but I imagine an RBC deal goes like this:

1. ERAC branch gets ARMS printout at 5pm for customer who needs vehicle and a request to call back within the next half an hour.

2. Branch calls customer, no answer.

3. 5:59pm, customer calls branch and screams and yells about not getting a call. Employee apologizes even though it was not their fault. Promise to deliver car right away.

4. Car is delivered out to customer. Customer does not the tiny car that is part of the negotiated RBC rate. Irate customer pisses himself until ERAC says they will get him another car. Customer says "now." ERAC says okay.

5. It's now 7:50pm and ERAC just delivered a cleaned and fueled SUV at a rate that you could barely rent a bicycle for.

That was my experience with a lot of the insurance co's especially the ones on ARMS.