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.
And only the RAC gives you At Home breakdown cover as standard – so you get better cover at a better price.
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.
What's covered with personal breakdown cover?
What you’re covered for depends on the level of breakdown cover you choose. We offer ‘Standard’ and ‘Unlimited’ cover. Here’s what’s included in each:
- Standard: Unlimited callouts, Roadside Assistance and At Home
- Unlimited: Unlimited callouts, Roadside Assistance, At Home and National Recovery
You can also add extra cover – including Onward Travel~, Battery Replace, Key Replace and Tyre Replace.
Pros and cons of personal breakdown cover
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.
Can I add additional people to my 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
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You can call us out as many times as you need. Just bear in mind repeat callouts for the same fault won’t be covered.Unlimited Callouts
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Roadside Assistance
We’ll fix your vehicle at the roadside and if we can’t, we’ll tow you anywhere in the UK.
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Unlike others, we won’t make you upgrade to be covered at home. We’ll rescue you on your driveway or out on the road as standard.
At Home
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You can call us out as many times as you need. Just bear in mind repeat callouts for the same fault won’t be covered.Unlimited Callouts
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Roadside Assistance
We’ll fix your vehicle at the roadside and if we can’t, we’ll tow you anywhere in the UK.
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Unlike others, we won’t make you upgrade to be covered at home. We’ll rescue you on your driveway or out on the road as standard.
At Home
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If your car can’t be fixed there and then, we’ll tow you and your car anywhere in the UK – so you’ll always get to your destination, no matter how far away you are.National Recovery
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Personal Breakdown Cover - FAQs
Q. Can I pay monthly for personal breakdown cover?
Yes, you can choose to pay for your personal breakdown cover on a monthly basis.
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?
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 almost any vehicle of any age – including cars, hybrid vehicles, 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). View our vehicle eligibility page to find out which vehicles are excluded.