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RAC vs AXA Breakdown Cover
When choosing a breakdown cover provider, it’s important to do your homework. Here at the RAC, we’re proud to be one of the biggest and most popular providers in the UK. But how do we compare with AXA breakdown cover?
Here’s a handy guide to help you compare the difference between RAC and AXA breakdown cover.
Let’s compare AXA and the RAC Breakdown Cover
When comparing breakdown cover from AXA and the RAC, a good place to start is checking what they include with their entry-level breakdown cover.
For example: the RAC’s ‘Standard’ cover includes 24/7 Roadside Assistance with a 10-mile tow and 5 callouts a year; with 1 additional callout for every person or vehicle added. If you need At Home cover or unlimited callouts, you can upgrade to ‘Extra’.
As for AXA breakdown cover, their entry-level ‘Local’ cover includes Roadside Assistance and local recovery. They don’t offer personal policies and you’re unable to add more than one vehicle to their cover. You can upgrade for nationwide and at home recovery.
The table below shows a comparison of what AXA and the RAC include with their entry-level breakdown cover.
RAC | AXA | |
Roadside Assistance | ||
Up to 10 miles recovery to the nearest garage | ||
FREE vehicle health check on selected cover | ||
Covers vehicles of all ages on all cover types |
Competitor comparison based on insured cover described in AXA policy documents. Excludes European cover. Information correct as of December 2024.
For more information about our levels of cover, visit our RAC Breakdown Cover page. You can also find out more about which promotions we're running by heading to our dedicated deals page.
Who can I get covered on my policy?
RAC Breakdown Cover | AXA | |
Personal cover | Up to 5 people living at the same address | Personal cover not offered |
Family cover | Up to 5 people living at the same address (including students studying away) | Family cover not offered |
What else is included with the RAC compared to AXA’s membership?
In addition to the entry-level cover, higher levels of cover are also available. Here’s a brief comparison of the options offered by AXA and the RAC.
RAC cover levels
If you need more cover, you can upgrade from ‘Basic’ to ‘Standard’, ‘Extra’ or ‘Complete’.
What’s included with ‘Standard?’
As well as Roadside Assistance, our ‘Standard’ cover also includes National Recovery – which means that if we can’t fix you on the spot, we’ll tow you to any garage or destination in the UK. In addition, you get 5 callouts, with 1 additional callout added for every person or vehicle added. All our members get a range of benefits such as up to £20 off RAC Tyres.
What’s included with ‘Extra?’
In addition to everything covered with ‘Standard’, our ‘Extra’ cover also includes unlimited callouts (as long as it’s not for a reoccurring problem) and At Home Rescue – which covers you at or within ¼ mile of your home address.
What’s included with ‘Complete?’
As well as everything in ‘Extra’ and ‘Standard’, our ‘Complete’ cover also includes Onward Travel, where we’ll provide a hire car while yours is in the garage for up to 3 days, alternative transport2 or overnight accomendation3. With ‘Basic’ and ‘Extra’ you’re not covered for this.
Plus you’ll get a FREE MOT at selected RAC garages. And with our family breakdown cover, you’ll get 2 FREE MOTs.
For even more reassurance, you can also choose from a selection of ‘add-ons’ with all cover levels. These include Battery Replace, Key Replace and Tyre Replace.
AXA breakdown cover levels
You can choose between three levels of cover, starting from ‘Local’ up to ‘Nationwide and Home’. They do not offer personal based memberships.
With their ‘Local’ membership, you’ll get roadside assistance and local recovery. You can upgrade to get vehicle recovery nationwide and assistance if you break down at home.
With AXA’s Nationwide and Home membership, you’ll receive Onward Travel if your vehicle can’t be fixed same day. They’ll provide a hire car for up to 24 hours, or overnight accommodation up to £80 per person or £500 in total. With the RAC’s Onward Travel, we’ll provide a hire car for up to 3 days if your vehicle is in the garage for repair. Alternatively, we’ll provide transport or overnight accommodation up to £150 per person, or £500 in total.
Other differences between RAC and AXA Breakdown Cover
As well as comparing levels of cover and reviews, you should also look in more detail at what AXA can offer compared to the RAC. For example, don’t forget to check things like vehicle age restrictions, length of service and if they have their own fleet of patrols.
| | RAC | AXA |
Are there any vehicle age limits? | No | Yes |
Do they have a fleet of uniformed patrols? | Yes
| No
|
Do they offer vehicle and personal breakdown? | Yes | No
|
Offers business breakdown cover | Yes | No |