RAC Family Breakdown Cover

Multi-car breakdown to keep your family moving

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Family & Multi-car Breakdown Cover

If you have more than one car at home, taking out family breakdown cover or multi-car breakdown cover could be your best option. This provides cover for anyone who drives the vehicle covered by the breakdown policy - so, whoever is behind the wheel gets the benefit of cover.

This guide takes a closer look at family and multi-car breakdown cover, and why it might be the best type of breakdown cover for you.

Key Points:

  • You can get one membership with up to five family members included on it
  • Multi-car breakdown cover can include up to three named vehicles
  • Our online tool allows you to build the perfect breakdown cover for your needs

Join the RAC now and start building your breakdown cover

RAC breakdown patrols fix four out of five vehicles at the roadside within an average of 30 minutes.


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What is Family Breakdown Cover? 

Family breakdown cover provides vehicle cover for several members of your family. You can name up to five people on a Family Cover policy, giving you and all your family members comprehensive breakdown coverage. Family cover applies whether those named on the policy are drivers or passengers in any vehicle*.

Having family cover on one membership, instead of several individual memberships, may provide better discounts and give you a better deal. The more people in your household who are included, the more expensive it is - but it could still work out cheaper than several individual memberships.

What is Multi-car Breakdown Cover? 

Multi-car breakdown cover enables you to get breakdown cover for several vehicles under one policy, saving you both time and money. This is ideal if you have more than one vehicle in your household*, as all cars are protected with breakdown cover, regardless of who is driving it. At the RAC, you can get multi-car breakdown cover for up to three different cars.

How to get Family Breakdown Cover

It’s easy to add other people or vehicles to your breakdown cover to make it more comprehensive. When you get a quote for breakdown cover online you’ll be able to select a range of options.

If you choose personal cover, you’ll get cover for named members in any vehicle - and will be able to add the details of up to four other people, providing Family Breakdown Cover.

If you choose Vehicle Cover, you’ll can add as many as three vehicles to the policy. This will provide cover for those vehicles, whoever’s driving them.

To get started, you can build your quote for breakdown cover here.

Other types of breakdown cover

Looking for another level of breakdown cover? RAC breakdown cover is available in a range of products, starting with single car cover and roadside rescue from £4.50. Other forms of breakdown cover include European Breakdown Cover, Motorbike Breakdown Cover and Business Breakdown Cover.

Family Breakdown cover - FAQs

Q. What does family breakdown cover mean?

Family breakdown cover means that you have one main RAC membership, but with other members of the family included on it instead of several separate memberships. You can have up to five named people on a membership.

Q. Can I pay for family breakdown monthly?

Yes - you will have the option of paying for your family breakdown cover every month if you prefer to do that instead of one larger annual amount.

Q. Am I covered in a different car?

Yes. If you have personal breakdown cover you will be covered in any vehicle that you’re either a driver or passenger in. If you have vehicle cover, only that specific vehicle will be covered in the event of a breakdown.

Q. Will overnight accommodation pay for any children or passengers?

If you have this level of cover on your membership, then you are entitled to one night’s accommodation if your vehicle cannot be fixed. This is for the driver and all passengers in the vehicle - up to the value of £150 per person, or total value of £500. 

Q. Can I add motorbikes to my family cover?

If you take out personal breakdown cover, each named member included in family cover is covered on any vehicle they drive. For specific motorbike breakdown cover, read more here - as standard, RAC breakdown packages provide the same level of cover to motorbikes as cars.

Q. Am I covered in the event of an accident?

Accident Care is included as a benefit at no additional charge. If you are involved in a road traffic accident or collision, we may be able to help with post-accident assistance. Call us on 0333 2000 999 and we can help with recovery advice.

Q. Do the breakdown vans have child seats?

Our breakdown patrol vans do not carry child seats. If you break down with children in the car, the RAC would use child seats from your own vehicle. 

Q. Are my children covered as learner drivers?

Yes. Learner drivers are covered if the child or children are covered under personal breakdown membership or vehicle-based membership.

Join the RAC now and start building your breakdown cover

RAC breakdown patrols fix four out of five vehicles at the roadside within an average of 30 minutes.


Get a Quote  



What our Members say

* Information: 
  • Vehicles means a UK registered vehicle that’s is either a car, light van, motorhome or minibus
  • Vehicles should not be used for business purposes at any time
  • Vehicles need to be less than:- 
    • ‚Äčo 3.5 tonnes in weight
    • o 6.4 meters long including tow bar
    • o 2.55 meters wide

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; Registered Offices: RAC House, Brockhurst Crescent, Walsall WS5 4AW. RAC Motoring Services and RAC Financial Services Limited are authorised and regulated by the Financial Conduct Authority in respect of insurance mediation activities. 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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