RAC vs Green Flag

How does our European breakdown cover compare?

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Green Flag European breakdown cover vs RAC

If you’re expecting to drive in Europe soon, then arranging sufficient breakdown cover should be an important part of your pre-travel to-do list. A pleasant drive in a fascinating new country can turn into a very different experience if the vehicle you’re driving breaks down on an unfamiliar road and you have no means of calling for help. Being stranded on the side of a French or Spanish motorway can be an unsettling experience.
 
If you have UK breakdown cover in place, be aware that this won’t cover you in Europe. So, you should seek separate European breakdown cover instead - and make sure it’s valid for the country you’re driving in, and the time you’re driving. In other words, if you’re on a two-week holiday in France and using your car, ensure you’re covered during your dates of travel.
 
The RAC is a provider of European breakdown cover, as is another well-known provider, Green Flag. But, how does cover from the respective providers compare?
 

Contents:

Comparing European Breakdown Cover Reviews
Type of European Breakdown Cover
European Countries where cover applies
Cover - what’s included?


 

Comparing European Breakdown Cover Reviews

Reading policy document details and terms and conditions is certainly a must before you take out European breakdown cover with any provider, but customer recommendation is also a powerful way of assessing reliability and reputation. Hearing the views and verdicts of drivers who have had experience with a breakdown cover provider can give you an important insight into what you might expect in terms of response and service. Every experience is different, of course, but it’s a useful reference.

The RAC and Green Flag are both reviewed and rated on Trustpilot. As new reviews are added, often on a daily basis, scores can change regularly so you might like to keep checking over a period of time. Also, bear in mind that reviews are not exclusively related to RAC and Green Flag European Breakdown Cover but breakdown cover in general for each of these providers.

Breakdown cover provider RAC Green Flag
Trustpilot score (out of 10) 7.7* 3.9**


* based on 22,646 reviews, data on 03/01/2019
** based on 742 reviews, data on 03/01/2019


Type of European Breakdown Cover

Because many motorists may only need breakdown cover in Europe for a short period of time - just long enough to cover a two-week holiday or even a long weekend - cover is usually available on a flexible basis.

If you need annual cover - you might drive frequently in Europe and prefer the security of knowing you’re always covered, 24 hours a day and 365 days a year - you can, of course, have that. But you can also arrange cover on a short term basis. How short term? Well, European Breakdown Cover with the RAC starts from just a single day.

Green Flag’s Short-Term Euro Cover is also a flexible breakdown policy, available for cover a single day, too. 

With either provider, you have the ability and freedom of choice to tailor your European Breakdown Cover to your travel plans and schedule.


European countries where breakdown cover applies

It’s really important that you’re covered for the country you’re driving. This might sound simple, but it’s easy to assume that your breakdown cover automatically covers you, wherever you are in Europe. That’s not always the case. You should check, with your provider, exactly where you are covered to drive.

With a single trip policy, you’ll need to make sure that cover applies specifically to the country you’re visiting. If you drive into another country that isn’t included within that breakdown cover policy, you may not be covered. Check before you take out your cover. 

Both the RAC and Green Flag provide breakdown cover in an extensive range of European countries. RAC cover 49 Countries, Green Flag cover only 39 countries:

RAC

Zone 1: Andorra, Belgium, France, Germany, Luxembourg, Monaco, The Netherlands, Republic of Ireland

Zone 2: Austria, Denmark, Finland, Gibraltar, Italy, Liechtenstein, Norway, Portugal, San Marino, Spain (excluding Ceuta & Melilla), Sweden, Switzerland, Vatican City.

Zone 3: Albania, Armenia, Azerbaijan, Belarus, Bosnia Herzegovina, Bulgaria, Croatia, Cyprus (South), Czech Republic, Estonia, Georgia, Greece, Hungary, Kosovo, Latvia, Lithuania, Macedonia, Malta, Moldova, Montenegro, Poland, Romania, Russian mainland, Serbia, Slovakian Republic, Slovenia, Turkey (in Europe plus Uskudar) , Ukraine.

Source: https://www.rac.co.uk/breakdown-cover/european-breakdown-cover

Green Flag

Countries covered: France, Germany, Belgium, Luxembourg, The Netherlands, Andorra, Austria, the Balearics, Bulgaria, The Canary Islands, Corsica, Cyprus, Czech Republic, Denmark, Estonia, Finland, Gibraltar, Greece, Hungary, Italy, Latvia, Liechtenstein, Lithuania, Malta, Monaco, Norway, Poland, Portugal, Romania, San Marino, Sardinia, Sicily, Slovakia, Slovenia, Spain, Sweden, Switzerland, Turkey, Republic of Ireland.

Source: https://www.greenflag.com/breakdown-cover/european/short-term/policy-document.pdf


European Breakdown Cover - what’s included?

As well as checking the range of coverage, in terms of countries, it’s also advisable to review the level of cover before making a purchase decision with your European Breakdown Cover. Bear in mind that prices can always change, most likely because of personal circumstances, the length of time you want cover to be valid for, and the countries you’re driving in. You should review policy prices thoroughly, but also ensure you get a specific quote for the cover you need.

It’s always useful to see what is included in your European breakdown cover policy - as a guide, here’s a quick summary of what is typically included with both providers. 

With the RAC, European breakdown cover is available in three different formats - Standard, Comprehensive and Comprehensive Plus. For the purposes of comparison here, we’ve looked at the RAC’s Comprehensive Plus and Green Flag’s Euro Plus.

Green Flag versus RAC*

Cover Details: Green Flag RAC
Are there age restrictions on the vehicles covered?1 Yes No
We’ll cover all costs to tow your vehicle2 Up to £250 Yes
We’ll help towards the cost of repairs by paying for labour costs up to 7 hours3 No Yes
Whilst your vehicle is repaired we’ll provide a hire car and accommodation4 Will only provide one of these services We provide both
We’ll cover all costs to get your vehicle home5 No Yes

* Comparisons based on the top cover levels from the Green Flag Short Term European Coverand RAC Comprehensive Plus on 26.11.2018.

Green Flag Terms & Conditions: https://www.greenflag.com/breakdown-cover/european/short-term/policy-document.pdf
RAC Terms & Conditions: https://www.rac.co.uk/pdfs/breakdown/ebc-web-ts-and-cs.pdf and here

1) Vehicle age restrictions
RAC Source: RAC website here
Green Flag source: Green Flag terms and conditions page 9

2) We’ll cover all costs to tow your vehicle (excluding your specialist resource)
RAC Source: RAC terms and conditions page 7 and here
Green Flag source: Green Flag terms and conditions page 10

3) 7 hours of garage labour included (RAC will cover up to a maximum of £1,000)
RAC Source: RAC terms and conditions page 7, 8 and here
Green Flag source: Green Flag terms and conditions page 5

4) Hire car and accommodation whilst your vehicle is repaired
RAC Source: RAC terms and conditions page 7, 8 and here
Green Flag source: Green Flag terms and conditions page 10

5) We’ll cover all costs to get your vehicle home
RAC Source: RAC terms and conditions page 7 and here
Green Flag source: Green Flag terms and conditions page 11
 

Need European breakdown cover from the RAC? Get a quote online here.