Get extra cover

to avoid big bills

Call 0330 159 0925   
extra cover
  can protect you from an unexpected bill – from £1.25 a month

We’ll always come to your rescue if you break down. But there are other unexpected costs that come with running a car. New tyres, car parts or a replacement battery can all land you with a big bill.

With our range of extra cover, you can avoid these unexpected costs – from £1.25 a month.

Call 0330 159 0925 to add.

Key Replace – £3 a month

Replacing keys and fobs costs £300 on average.

But with Key Replace, your car and house keys are covered if they’re lost, stolen or accidentally broken. We’ll cover the cost of replacing them and your locks if needed. And we can arrange a hire car if you need one.

Call 0330 159 0925 to add Key Replace

How it works

  • Up to £1,500 of cover
  • If you lose your car or house keys, or they’re accidentally broken or stolen, we’ll replace them and cover the cost
  • With lost car keys, we’ll also re-programme the electrics so your locks, alarm and immobiliser still work
  • While your car keys are being replaced, we’ll get you a hire car (worth up to £80) to keep you moving
  • If we think there’s a security risk with lost or stolen house keys, we’ll replace your locks as well

What’s not covered?

  • Business vehicles or vehicles covered under a motor trade insurance policy
  • Keys that are broken because of wear and tear or ageing
  • Any claim where the event took place before or during the first 14 days of your Key Replace cover
  • Claims where there’s no evidence that you own the keys
  • The cost of replacing locks if you already have a set of spare keys
  • Replacing an insured key within the first 3 days of losing it (unless we agree separately)

Battery Replace – £3 a month

Without cover, the average new battery costs £160.

But with Battery Replace, we’ll replace yours if you break down due to a battery problem and we can’t recharge it. So you won’t have to pay out for a new one.

Call 0330 159 0925 to add Battery Replace

How it works

  • You’re covered up to £600 for a battery on your nominated vehicle
  • If you break down because of a faulty starter battery, we’ll test it with our state-of-the-art tester
  • We’ll help you find the right battery for your vehicle if you need a new one
  • We’ll fit your new battery there and then
  • We’ll recycle your old battery for you

What’s not covered?

  • Batteries on a motorhome, kit car, motorcycle, quad bike, trike, caravan or trailer, hybrid, electric, import or modified vehicle
  • Any claim where the event took place before or during the first 14 days of your Battery Replace cover
  • Batteries that need to be fitted by the manufacturer or garage
  • Vehicles over 15 years old or with a mileage over 150,000 at time of purchase

Tyre Replace – £6 a month

A set of new tyres could cost you £520.

But with Tyre Replace, we’ll repair or replace up to 5 tyres, up to £150 each, if yours are punctured or maliciously damaged and can’t be repaired.

Call 0330 159 0925 to add Tyre Replace

How it works

  • You’re covered for up to £150 a tyre for 5 tyres^
  • If we can, we’ll repair the tyre to get you moving again quickly
  • If it can’t be repaired, we’ll get you a replacement tyre through our tyre garage network, install it and handle wheel balancing
  • We’ll also dispose of the old tyre for you

What’s not covered?

  • Wear & tear or tyres below the legal tread level
  • Any claim where the event took place before or during the first 14 days of your Tyre Replace cover
  • Tyres on a motorhome, kit car, motorcycle, quad bike, trike, caravan or trailer, import or modified vehicle
^Additional level of tyre cover available for tyres up to £350. Please contact us for more information.

Legal Care Plus – £1.25 a month

With Legal Care Plus we’ll cover unexpected legal expenses related to your car.

For example, if you’re in an accident that wasn’t your fault, we’ll cover up to £100,000 in legal expenses to help you claim back your losses. Like your policy excess, replacement vehicle costs and loss of earnings. Covers up to 5 people.

Call 0330 159 0925 to add Legal Care Plus

How it works

  • Uninsured loss recovery: if you’re in an accident that wasn’t your fault, we’ll cover up to £100,000 legal expenses cover, helping you to recover uninsured losses such as your policy excess, loss of earnings or personal injury compensation
  • Legal defence: if you’ve received a summons for an alleged motoring offence involving your vehicle, we’ll cover up to £25,000 in legal expenses
  • Travel costs: if you’re caught up in legal proceedings from an accident in Europe, we’ll cover your travel up to £1,000
  • Consumer disputes: if you need to pursue breach of agreement after buying, selling, servicing or repairing a vehicle, we’ll cover your legal expenses up to £10,000
  • 24/7 Advice: we’ll also offer advice on personal legal matters in the UK. This isn’t just limited to motoring – you can get legal advice on wills, probate, employment, family, buying and selling property, and many other personal issues

What’s not covered?

  • Claims that have less than a 51% chance of success
  • Any costs not approved by the RAC

European Rescue – £96 a year

With European Rescue, you can relax and enjoy your trip. We’ll get you going again if you break down on the continent – or even if your car fails you just before your trip.

Call 0330 159 0925 to add European Rescue

How it works

  • We’ll help you at the roadside if you break down in Europe
  • If we can’t get you fixed there and then, we’ll get you a hire car or overnight accommodation for the rest of your trip
    • Hire car up to £125 a day (overall limit £1,500)
    • Accommodation up to £50 a person a day (overall limit £500)
  • If we can’t repair your car abroad we’ll make sure you, your family and your vehicle get back to the UK safely at the end of your visit
  • We’ll cover the cost of sourcing and delivering any spare parts needed for the repair, as well as garage labour costs up to £150
  • If you break down in the UK up to 48 hours before you’ve planned to go to Europe, you’re covered for a hire car for up to 6 days to continue your journey
  • We’ll cover a caravan or trailer if you’re towing one
  • We’ll cover up to 9 people, in 49 countries across Europe

What’s not covered?

  • More than 1 claim in the UK and 1 claim in Europe for each trip, or more than 3 claims in a policy period
  • Garage labour allowance for repairs completed after the day of the breakdown
  • Bringing your car back to the UK if the cost of transporting or repairing it would be more than the current price of the car
  • Journeys longer than 90 days
  • Journeys that don’t start and end in the UK
  • Trips made before you purchased the cover, or where you purchased the cover outside of the UK
European Rescue is only available as an annual payment.

Garage and Parts – £10 a month

With Garage and Parts cover, you’re covered for mechanical and electrical parts that suddenly fail and cause a breakdown (not general wear and tear) for your chosen vehicle.

Call 0330 159 0925 to add Garage & Parts Cover

How it works

  • If we can fix you at the roadside but needed to use spare parts, we’ll cover the cost of those parts
  • If you need to be repaired at an RAC Approved Garage after a breakdown, we’ll cover the cost of those repairs
  • Repairs include common problems like water pumps and injectors, starter motors and sensors
  • You can claim up to 5 times a year, each up to £500 and just pay the first £30 excess

What’s not covered?

  • Vehicles over 12 years old and vehicles with over 120,000 miles on the clock at time of buying cover
  • Motorbikes are not covered under this policy
  • Vehicles that have not been serviced in line with manufacturers requirements
  • Pre-existing faults or those caused by wear & tear
  • Batteries & Tyres
  • Full list of parts not covered available in our terms and conditions.

Important information:

Lines open weekdays 8am-7pm, Saturdays and bank holidays 9am-5pm. 03 numbers are charged at national call rates and included in inclusive minute plans from landlines and mobiles. Calls may be monitored and/or recorded.

European Rescue is only available as an annual payment.

Breakdown cover arranged and administered by RAC Financial Services Limited (Registered No 05171817) and provided by RAC Motoring Services (Registered No 01424399) and/or RAC Insurance Ltd (Registered No 2355834). Registered in England and Wales at RAC House, Brockhurst Crescent, Walsall WS5 4AW. RAC Motoring Services and RAC Financial Services Limited are authorised and regulated by the Financial Conduct Authority. RAC Insurance Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
© 2022 RAC Motoring Services. All rights reserved.