Multi-car breakdown cover

With multi car breakdown cover, only the specific vehicles listed on your membership are covered. This is regardless of who is driving them at the time of the breakdown.

This means if a friend or family member was driving your car and it broke down, we could come out and help. Multi car cover doesn’t cover you in vehicles that aren’t listed on your membership.

If you want to cover multiple people in any vehicle, why not look at our family breakdown cover.

With Basic and Standard cover, you have 5 callouts a year with 1 additional callout for every person or vehicle added. With Extra and Complete cover, you have unlimited callouts for each vehicle on your policy – as long as it’s not for a recurring problem.

We will not cover you in the event of a Road Traffic Accident. Your motor insurer will need to make appropriate provisions for you.

However, we may be able to provide help and assistance if your vehicle cannot be driven or you (or your passengers) have been injured.

You will need to pay for any of the recovery or support services that we arrange. Full details can be found within the Accident Care section of the terms and conditions booklet provided with your Breakdown Policy.

Yes, you can pay monthly for multi-car breakdown cover, rather than making a one-off payment. All you need to do is select the right option for you when buying your breakdown cover.

Joint breakdown cover covers two or more vehicles (or people) on the same policy. With multi-car breakdown cover, you get a joint policy for two or more vehicles. For example you could cover your car and your partner’s motorbike, no matter who’s driving them. You can also get joint breakdown on a personal policy so, for example, you and your partner are covered in any eligible vehicle they’re travelling in.

If you have vehicle breakdown cover, like multicar cover, you won’t be covered in another car unless it’s named on your policy. But any car on your policy will be covered no matter who’s driving it. If you get personal breakdown cover, you’re covered in any eligible car as a driver or passenger.

Our standard UK breakdown cover doesn’t cover your vehicle when you travel abroad. If you’re planning on driving in Europe, take a look at our European breakdown cover. You can choose between single trip or annual cover.

We don’t offer multi-car European breakdown cover. If you need multiple cars covered while driving abroad, you’ll need to take out separate cover for each vehicle.

If you’re already an RAC member and looking to drive to Europe, you can add European Rescue to your existing policy. Visit our breakdown extras page for more details.

With multi car breakdown cover, we offer protection for a wide range of vehicles.

This includes cars of any age, hybrids, electric vehicles, classic cars, motorbikes, and vans. We just ask that your vehicle:

For caravans, campervans, and motorhomes, we offer dedicated roadside assistance and recovery with our caravan, motorhome and campervan breakdown cover.

The main difference been multi car and family breakdown cover is who is covered and what vehicle you can get help in.

- Multi-car breakdown cover: covers up to 3 vehicles at the same address. This means no matter who is driving the vehicles on your membership, we’ll be able to come out and help if it breaks down.   
- Family breakdown cover: protects up to 5 people who live at the same address, no matter what vehicle they’re in. This means anyone on your membership is covered as a driver or passenger in any eligible vehicle. This can be a great choice for families or housemates who drive multiple cars.