Personal Breakdown Cover
Personal breakdown cover from £10.45 a month*
*New, single personal-based cover. £10.45 a month for Basic cover.
With RAC Breakdown Cover, you can choose between cover for a specific vehicle, or for a specific person. With personal breakdown cover, you’re covered as a driver or passenger in any vehicle1. So even if you’re getting a lift from a friend and their car breaks down, we’ll get you going again.
You’re covered as a driver or passenger – so no matter the journey, we’ll rescue you.
We get to most breakdowns in 60 minutes or less.
We can usually fix you on the spot – saving you time and money on a trip to the garage.
Compare our personal breakdown cover levels below and find the right cover for you. You can also add extra cover to our Basic, Extra and Complete policies including onward travel, battery replace, key replace and tyre replace.
^For 1 nominated vehicle when added to Extra or Complete cover. New customers only. Ends 29/04/24, 7am.
Prices above are for single personal-based cover.
Personal breakdown cover is a policy that covers you as a named driver in any eligible car or vehicle if you breakdown, even if you're not driving. This is different to vehicle cover, that only covers a specific vehicle rather than person that is driving.
With the RAC, you can buy personal cover for up to 5 people living at the same address. So you can get cover for you, for two or the whole family.
Personal breakdown cover is ideal if you often drive more than 1 vehicle. Or, if you drive and travel in a different vehicle as a passenger – for instance, you rideshare with a friend or colleague.
Personal breakdown cover might not be right for you if you only drive 1 vehicle, or if you share a car with other people in your house, vehicle breakdown cover might be a better option for you. With vehicle cover, anyone can drive your chosen car and it will still be covered if it breaks down.
If you have personal breakdown cover and you are in someone else’s car at the time it breaks down, then the car will be covered1.
While we always recommend having breakdown cover, we understand there might be times you don’t. If you ever break down without cover, we can still help. Head over to our ‘broken down’ page to see your options.
We offer a wide range of different types of breakdown cover, including:
With personal cover, you’ll have breakdown cover in any vehicle1 – 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 partners car and you break down, personal breakdown cover will cover you. Or if you’re riding pillion on a friends motorbike and they don’t have cover, you can still call for help.
Cars of all ages
Motorbikes with an 49cc engine or over
Vans that meet certain requirements
Motorhome cover
Can’t do without your car? Get a hire car while yours is in the garage with Onward Travel.
With RAC European Rescue, you’re covered in 48 countries across Europe. So you can have complete peace of mind when driving abroad.
Puncture? No problem — you're covered for the cost of 5 new tyres a year.
Get a new battery if we can't recharge yours — saving you £160 on average.
Lost your car keys? We'll replace them, saving you £300 on average.
What you’re covered for depends on the level of breakdown cover you choose. We offer ‘Basic’, ‘Extra’ and ‘Complete’ cover. Here’s what’s included with each:
You can also add extra cover – including Onward Travel, Battery Replace, Key Replace and Tyre Replace.
Yes. You can up to 5 people to your personal breakdown cover policy.
Just choose ‘personal breakdown cover’ and select the number of people you’d like to cover.
Let us know how many people you’d like added to your policy.
Just call 0330 159 8454
On all our cover levels, 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. Just remember, Basic and Extra cover only applies to breakdowns over ¼ mile from your address, so if you break down at a house that’s less than ¼ mile from home, and you’re on Basic or Extra, you won’t be covered – that’s the only exception.
If you have ‘Basic’ or ‘Extra’ cover levels, you have 5 callouts per year; with 1 additional callout for every person or vehicle added to the policy. With ‘Complete’, 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.
Yes, with Personal Cover you're covered in any eligible vehicle1. 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.
Yes you can. With personal cover, you can get cover that applies to any eligible vehicle you’re in – as a driver or a passenger. This is ideal if you often travel in more than one car, van or motorbike. And you can add personal cover for up to 5 people to the same policy, as long as they all live at the same address.
Yes, you can add up to 5 people living at the same address to your personal breakdown cover. Just click ‘buy now’ on the website and choose personal cover, then pick the number of people you’d like to add.
There’s no vehicle age limit for RAC Breakdown Cover – we can cover your car no matter how old it is.
With personal breakdown cover (and vehicle-based cover), you’re covered all over the UK. But if you’re driving abroad, you’ll need separate cover. Luckily we offer European breakdown cover, for single trips and travel throughout the year, so you can get peace of mind driving on the continent.
There’s one exception – if you’re resident in Northern Ireland, you’re covered when you drive anywhere in the Republic of Ireland under your normal UK breakdown cover.
Yes. With personal breakdown cover, you’re covered in almost any vehicle – including cars, motorcycles (49cc and over), vans and campervans.
Just as long as the vehicle doesn’t weigh more than 3.5 tonnes (3,500 kg) and isn’t bigger than 6.4 m by 2.55 m (that's about the same as a Ford Transit long wheelbase van).
RAC personal breakdown cover covers you as a person. Personal car breakdown cover is a good choice if you often drive or are a passenger in a number of vehicles.
Vehicle breakdown cover covers an individual vehicle. This is a popular choice of cover for people who drive one vehicle or have a vehicle that more than one person drives.