Multi-Car Breakdown Cover

A good option for friends or families with multiple cars

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Multi-car breakdown cover

Multi-car breakdown cover lets you cover more than one vehicle under the same policy. It can be a good option for friends or families with multiple cars registered to the same address, as it can save you time and money compared to taking out separate policies for each vehicle.

With the RAC you can cover up to 3 vehicles on a single multicar breakdown cover policy. Each vehicle will have the same level of cover, and it will be covered no matter who is driving it when it breaks down.

Key points

  • You can cover up to 3 vehicles on the same policy – just choose ‘vehicle cover’ and select the number of vehicles you need to cover
  • The vehicles need to be registered to the same address – but they don’t need to be registered to the same owner
  • Each vehicle will have the same level of multicar breakdown cover

What’s included in multi-car breakdown cover?

With the RAC, you have three levels of cover to choose from: ‘Basic’, ‘Extra and ‘Complete’. Exactly what’s included depends on which cover level you choose. 

For example: 

  • Basic includes Roadside Assistance and you’ll get 5 callouts a year, with 1 additional callout for every person or vehicle added
  • Extra includes National Recovery and 5 callouts a year, with 1 additional callout for every person or vehicle added.
  • Complete also includes At Home and you’ll have unlimited callouts. Plus get a FREE MOT at selected RAC garages.
If you need more cover, you can also add optional extras, such as Onward Travel.

The level of cover you choose will apply to every vehicle named on your policy. So it’s important to think about how much cover you’re going to need.

 

Cover to avoid a big bill

For more reassurance, you can add extras to your breakdown cover

Onward Travel

Can't do without your car? Get a hire car while yours is in the garage.

Battery Replace

Get a new battery if we can’t recharge yours – saving you £160 on average.

Tyre Replace

Puncture? No problem – you're covered for the cost of 5 new tyres a year.

Key Replace

Lost your car keys? We'll replace them, saving you £300 on average.

How to get multi-car breakdown cover

When you buy breakdown cover from the RAC, you’ll be asked which type of cover you’d like. To cover multiple vehicles, just choose ‘vehicle cover’ and select the number of vehicles you need to cover. 

Next, you can select the level of cover you need. We offer three levels of cover: Basic, Extra and Complete. Every vehicle on your policy will have the same level of cover. 

Looking for the best multi car breakdown cover? You can compare our cover to other providers here.

FAQs

Q. Am I covered in a different vehicle?

That depends on the type of cover you choose. 

  • With vehicle cover, only the specific vehicles named on your policy will be covered in the event of a breakdown. Anyone can be driving them at the time. 
  • With personal cover, any person named on your policy will be covered as a driver or passenger in any eligible vehicle if it breaks down.
Q. How many times can I claim on my multi-car breakdown cover?

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

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

Accident Care is included as a benefit at no additional charge†. If you’re in a road traffic accident or collision, we may be able to help with post-accident assistance. Just call us on 0333 2000 999 and we can help with recovery advice. We can also seek to recoup the cost of recovery from your insurer/3rd party insurer. You may be asked to pay if this isn’t possible.

Q. Can I pay monthly for multi-car breakdown cover?
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. 
Q. What is joint breakdown?
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.
Q. Can I use my breakdown cover for another car?
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.
Q. Are my vehicles covered when I travel abroad?

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.

Find out more

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 vehicles in the garage after a breakdown, RAC’s Onward Travel helps you keep moving. We’ll pay for hire care for up to 3 days, overnight accommodations or alternative transport.

  

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.

  

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.

  

Report your breakdown online or find out what to do if you’ve broken down without cover.

  
Compare breakdown

Compare breakdown cover from the RAC and other providers to help you understand the differences in service, coverage, optional extras and reliability.

  

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 Green Flag, to see how it compares for level of cover, pricing and customer reviews.

  

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

  

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

  

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.

  

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.

  

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.

  
Additional cover

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 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 questions 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

  
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Free MOT terms and conditions:

  1. The promotion is for one free MOT (up to the statutory maximum fee of £54.85) and is available to new customers purchasing Complete cover.
  2. You must purchase RAC Breakdown Cover online direct by visiting www.rac.co.uk or by calling us on 0330 159 0382.
  3. Not available to members amending or renewing an existing policy or on purchases during a breakdown situation.
  4. Each MOT can only be redeemed per unique voucher code.
  5. This offer will be fulfilled on behalf of RAC by a third party (Who Can Fix My Car).
  6. You must keep your RAC Breakdown Cover for 12 months in order to be eligible for this offer. We reserve the right to recover the cost of the MOT if this condition is not complied with.
  7. Providing your payments are up to date and you haven’t cancelled your cover you'll receive an email within 15 working days after your policy starts containing your unique voucher code and details on how to book your free MOT.
  8. You will then have a further 12 months from the date of this email to book your MOT. After this date the offer will be deemed to have expired and cannot be reissued.
  9. You will need to provide a printed copy, or show the email containing the unique voucher codes and the RAC membership number to the garage on the day of the MOT.
  10. The free MOT can only be redeemed at RAC Approved Garages bookable via the WhoCanFixMyCar platform. To find your nearest RAC Approved Garage click here.
  11. Please note that not all RAC Approved Garages are able to offer MOT's for motorbikes.
  12. Offer may be withdrawn at any time.
  13. No cash or other alternatives available.

†The RAC will seek to recoup the cost of recovery from your insurer/3rd party insurer. You may be asked to pay if this isn’t possible.

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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