Personal Breakdown Cover

Get personal cover from just £10.50 a month

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Personal Breakdown Cover

What is personal breakdown cover?

Personal breakdown cover is a type of breakdown cover that applies to a named person, rather than a specific vehicle. With the RAC, you can buy personal cover for up to 5 people living at the same address.

With personal cover, you’ll have breakdown cover in any vehicle – including cars, motorbikes (49cc and over), minibuses and vans. And you’re not just covered as a driver, you’re covered as a passenger too. 

This is different to vehicle breakdown cover, which covers a particular vehicle no matter who is driving when it breaks down. 

For example: 

If you borrow your partner’s car and you break down, personal breakdown cover will cover you. Or if you’re riding pillion on a friend’s motorbike and they don’t have cover, you can still call for help.

Key points

  • Personal breakdown cover applies to you, rather than a specific vehicle
  • It usually costs more than vehicle cover – but it can work out cheaper if you drive more than one vehicle regularly
  • You can buy personal cover for up to 5 people in your household

Looking for caravan or motorhome breakdown cover? See our RAC Arrival caravan breakdown cover offers.

Do I need personal or vehicle breakdown cover? 

You can choose breakdown cover that applies to you in any vehicle* (personal breakdown cover) or a specific vehicle (vehicle breakdown cover). The right type of cover for you depends on your needs.

Personal breakdown cover is ideal if:

  • You regularly drive more than 1 vehicle, as you’ll be covered in any vehicle
  • You want to know that you, and anyone you buy cover for, is covered in any vehicle as a driver or passenger

Vehicle breakdown cover is ideal if:

  • You only drive 1 vehicle
  • You share a vehicle with other people in your household –anyone can drive it and it will still be covered if it breaks down.

Pros and cons of personal breakdown cover

Pros of personal cover:

  • You’re covered in any vehicle – including cars, motorbikes and vans
  • There’s no need to buy breakdown cover for every vehicle you drive
  • If you break down in someone else’s car and they don’t have breakdown cover, you can still call for help

Cons of personal cover:

  • It usually costs more than vehicle breakdown cover (although it can work out cheaper if you drive more than one vehicle regularly)
  • If you’re not in a car when it breaks down, it won’t be covered – so if your family are in a car but you’re not, the vehicle won’t be covered

Can I add additional people to my policy? 

Yes, you can buy personal breakdown cover for up to 5 people living at the same address. It costs at least £3 a month to add an extra person to your breakdown policy, depending on the level of cover you have. Each person on your policy will have the same level of cover. 


How to add more people to your policy:

  • If you’re already a member: Call 0333 2000 999 and let us know how many people you’d like to add to your policy. 
  • If you’re buying breakdown cover for the first time: Just choose ‘personal breakdown cover’ and select the number of people you’d like to cover.
 You can buy breakdown cover here

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What our members say

Personal Breakdown Cover - FAQs

Q. Can I pay monthly for personal breakdown cover?
Yes, you can choose to pay for personal breakdown cover on a monthly basis. There is also the option to pay an annual membership, if you prefer.
Q. Can I get help if the vehicle breaks down at someone's house?
Yes. Whether you have ‘Standard’ or ‘Unlimited’ cover, we’ll come to your rescue if you break down at someone else’s house. We’ll try to fix you there and then, or we’ll tow you to a garage if we can’t.
Q. How many times can I claim on personal breakdown cover?
This depends on the level of cover you choose. With ‘Standard’, you have up to 3 callouts a year. With ‘Advanced’ and 'Ultimate', you have unlimited callouts – so you can call us out as many times as you like, as long as it’s not for a recurring problem.
Q. Am I covered as a pillion passenger on a motorcycle?
Yes, with Personal Cover you're covered in any vehicle*. RAC breakdown packages give the same level of cover to motorbikes as cars. Please note that motorcycles need to be over 49cc and not be classed as a mobility scooter.
Q. What kind of vehicles are you covered in?

We cover any vehicle* of any age – including cars, hybrid, electric vehicles, motorbikes, cars, hybrids, electric vehicles, motorbikes (49cc and over), campervans and vans.

Your vehicle must weigh less than 3.5 tonnes (3,500 kg) and it can’t be bigger than 6.4 m long and 2.55 m wide (that's roughly the weight and size of a Ford Transit long wheelbase van).

About breakdown cover

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 vehicle can't be fixed in the same day after a breakdown, RAC's onward travel product helps you to make alternative travel plans to continue your journey.


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.


Family breakdown cover provides vehicle cover for several members of your family within a joint policy.


Multi-car breakdown cover enables you to get breakdown cover for several vehicles under one policy.


Find out more about our offering for electric and hybrid vehicles here.

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Driving hints & tips

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