Compare breakdown cover

It's always a good idea to compare breakdown cover

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How to compare breakdown cover

It’s always a good idea to compare breakdown cover before you buy. Just choosing the cheapest cover is unlikely to give you the cover you need. So it’s best to do your homework to make sure you have complete peace of mind.

Here’s a quick guide to what to look for when comparing breakdown cover:


What’s included as standard?

Checking what’s included as standard is a good place to start when choosing breakdown cover. Some providers include more than others with their entry-level cover.

For example, the RAC includes roadside and home rescue, garage support and alternative transport, even with our entry-level cover. So you can relax knowing you’re getting a complete breakdown service as standard. 

Here’s a rundown of what you get on all RAC cover levels, compared to our competitors.

  RAC AA Green Flag

Rescue Anywhere
Rescue at roadside and at home

 

 

Home Rescue is an optional extra

 

Rescue Plus & Recovery Plus only

Garage Support
A fault report to let the garage know what's wrong

 

 

 

Alternative Transport
So you aren't left stranded at the garage

 

 

Onward Travel is an optional extra

 

Recovery Plus package only

Want even more peace of mind?

Upgrade to our Advanced or Ultimate cover levels for even more benefits that aren't available elsewhere.

  RAC Advanced RAC Ultimate AA Green Flag

Priority Garage Access
We'll find an RAC garage to fit you in quickly

 

 

 

 

Repair Estimates
We'll get you an estimate and explain it before getting to the garage

 

 

 

 

Ultimate Garage Support
Let us tow your vehicle to the garage and book it in for you, whilst you continue to your destination in a taxi arranged by us

 

 

 

 


How much cover do you need?

Once you know what’s included as standard with your breakdown cover, you can think about how much extra cover you need. As well as your budget, it’s important to consider how you use your car. 

To get started, it’s helpful to ask yourself these questions:

  • What would you do if you broke down at home? 

Lots of breakdowns happen at home. And if you’d need help to get going again, it’s worth making sure you buy cover at home. This is also known as ‘home start’.

Most companies make you upgrade to be covered on your driveway. But with the RAC, it’s included as standard. 

  • Do you use your car for short journeys, long journeys or both? 

If you make lots of long journeys, you could consider upgrading to an ‘unlimited tow’ (also called ‘national recovery’). That way, if you break down far from home, you can always get to your destination, back home or to any garage, no matter how far away you are. 

With the RAC, an unlimited tow is available with our Advanced and Ultimate cover levels. With our Standard cover, you’re covered for a 10-mile tow. 

  • How would you get around if your car was stuck in the garage?

If you’d need help staying mobile while your vehicle’s being fixed, having an alternative transport option is a good idea. This is also known as ‘onward travel’. 

With our Standard cover, you get a 20-mile taxi from the garage. With Advanced, you get a hire car or taxi for up to 2 days (up to the value of £150). And with Ultimate, you get a hire car or taxi for up to 7 days (up to the value of £500). 

  • Do you need any extra cover? 

For extra reassurance, the RAC offers a choice of add-ons. This includes Key Replace, Battery Replace and Tyre Replace.


Compare levels of cover

Levels of breakdown cover vary from provider to provider. But the main features are known as roadside rescue (or ‘roadside assistance’), home rescue (or ‘home start’), tow (recovery or ‘national recovery’) and alternative transport (or ‘onward travel’). 

At the RAC, we also offer garage support – so you’ll have an extra helping hand if your vehicle needs repairs at a garage. 


Here's our breakdown cover

Personal vs vehicle cover

With most providers, breakdown cover can either apply to you or your vehicle. It’s up to you to decide which type of cover works best for you. 

Personal cover 

Personal cover  means you’ll be personally covered if you break down in any vehicle, as a driver or passenger. This type of cover usually costs more than vehicle cover. But it can work out cheaper if you drive more than one vehicle regularly. 

With the RAC, you can cover up to 5 people on a single policy. But with the AA and Green Flag, you can only cover up to 4 people.  


Vehicle cover  

Vehicle cover  means your vehicle is covered no matter who is driving when it breaks down. This usually costs less than personal cover. 


Compare breakdown cover reviews

Obviously, selecting all these options provides the most in depth cover so it's worth looking at any combination of breakdown and compare terms - so what levels of breakdown cover does the RAC offer, in comparison to competitors?
 
RAC AA Green Flag
Trustpilot score (out of 5) 4.2*

4..2**

4.4***

* based on 62,525 reviews, data on 02/03/2021
** based on 10,646 reviews, data on 02/03/2021
*** based on 12,920 reviews, data on 02/03/2021

 


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Compare breakdown cover providers

This guide compares the RAC, one of the UK’s major breakdown cover companies, with AA, to see how it compares for level of cover, pricing and customer reviews.

  

This guide compares the RAC, one of the UK’s major breakdown cover companies, with AXA, to see how it compares for level of cover and pricing.

If you’re searching for the best breakdown cover deal, using a comparison service can really help - here are some useful tips to consider before you start your search.

  

How does the RAC compare with Direct Line, when it comes to providing breakdown cover services? This guide takes a look at prices, level of cover and customer reviews.

  

This guide compares the RAC, one of the UK’s major breakdown cover companies, with Emergency Assist, to see how it compares for level of cover and pricing.

  

This guide compares the RAC, one of the UK’s major breakdown cover companies, with Green Flag, to see how it compares for level of cover, pricing and customer reviews.

  

The RAC is one of the UK’s leading providers of breakdown cover and vehicle recovery, but how does it compare to StartRescue?

  

The RAC and Rescuemycar are both UK car breakdown providers, but how do their levels of cover, prices and customer reviews compare?

  
About breakdown cover

Find all the information you need to have a better understanding of the different levels of cover that the RAC have on offer

  

Many vehicle breakdowns happen at home - but with RAC At Home Cover you can get on with your day quickly again.

  

If your vehicle breaks down miles away from home, National Recovery cover from the RAC could prove invaluable - find out more here

  

If your vehicle cannot be fixed at the side of the road, our vehicle recovery service will transport it to either a garage or back to your home address

  

If your vehicle can't be fixed in the same day after a breakdown, RAC's onward travel product helps you to make alternative travel plans to continue your journey.

  

Vehicle Breakdown Cover can be a great value option if you’re looking for cheap breakdown cover - this guide from the RAC looks at the benefits of it.

  

Personal Breakdown Cover can give you peace of mind in whatever vehicle you’re driving or travelling in as a passenger, as this guide from the RAC explains.

  

Multi-car breakdown cover enables you to get breakdown cover for several vehicles under one policy.

  

Family breakdown cover provides vehicle cover for several members of your family within a joint policy.

  

Find out more about our offering for electric and hybrid vehicles here.

  
Additional cover

Our breakdown patrol will know you're a blue badge holder before they reach you.

  

Keep your business moving with tailored breakdown assistance for 1 to 100+ vehicles.

  

The Camping and Caravanning Club's breakdown and recovery scheme provided by RAC.

  

RAC European Breakdown Cover provides you with peace of mind and comprehensive single-trip or annual cover you can rely on during your holidays.

  

Punctures, battery problems, non-starts and cut-outs are all covered. We'll even come out if you run out of fuel.

  

Put the wrong fuel in your car? Don't panic. Call us now for our Fuel Drain Service.

  
Driving hints and tips

Before buying breakdown cover, it’s useful to read reviews. Check out the RAC’s score on Trustpilot.

  

Find the answers to a range of breakdown related question covering both UK, European and Business Breakdown cover

  

Not sure what that light on your dashboard means? View our guide and easily identify what that warning light means

  

More and more new cars are being built without space for a spare wheel. Find out how we have used innovation to overcome this problem

  

Modern cars are now equipped with a sophisticated electronic management system, find out how we overcome this to detect a fault with your car

  

Offer terms and conditions:

  1. 50% discount available on all single personal based breakdown cover levels.
  2. Excludes Key Replace, Battery Replace, Tyre Replace.
  3. You must purchase RAC Breakdown cover online direct by visiting www.rac.co.uk before 22nd April 2021 7am.
  4. Discounts apply to new customers only.
  5. For monthly policies the discount will apply for each month you keep your policy, up to a maximum of 12 continuous months.
  6. Not available to members amending or renewing an existing policy or on purchases during a breakdown situation.
  7. Offer may be withdrawn at any time.
  8. No cash or other alternatives available.
  9. Excludes RAC Response (Blue Badge membership).

^ Based on a personal based monthly policy in place for 12 consecutive months.

Competitor comparison based on insured cover described in AA & Green Flag policy documents. Excludes European cover. Information correct as of 20th Oct 2020.

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.

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