Having breakdown cover means help is at hand 24/7 if your vehicle breaks down. While the AA only include roadside assistance as standard, we give you roadside and home rescue, garage support and alternative transport. And with our 12 month plans, you can get 50% off breakdown cover.*
Compare our breakdown cover
^^Monthly prices on a fixed 12 month plan, for 1 vehicle.
Breakdown cover explained
What is car breakdown cover?
Breakdown cover is there to help if your vehicle breaks down in the UK. For example, if you get a puncture or a flat battery. It means you can call for help and an expert will arrive to fix you on the spot or recover you to a garage.
It’s available for most vehicles, including cars, vans and motorbikes. And there are different levels of cover to choose from. Most providers only offer roadside assistance as standard. But at the RAC, we include roadside and home rescue, garage support and alternative transport with every cover level.
What types of breakdown cover are there?
You can buy breakdown cover for a particular vehicle, or a person in any vehicle.
Vehicle breakdown cover means your vehicle is covered no matter who is driving. You can cover up to 3 vehicles registered to the same address on the same policy.
Personal breakdown cover means you’re covered in any vehicle as a driver or passenger. You can cover up to 5 people from the same household on the same policy.
Which level of cover is best for me?
We offer 3 levels of cover: Standard, Advanced and Ultimate. With each level of cover, you get roadside assistance and home rescue – plus some level of garage support and alternative transport (or 'Onward Travel').
Here are the main differences to help you find the right cover for you.
This is our cheapest level of breakdown cover available and provides you with the following:
Roadside + home rescue
Unlike others, we won’t make you upgrade to get ‘Home Start’. We’ll rescue you anywhere, and we’ll always try to fix you on the spot.
If we can’t fix you, you'll get a 10-mile tow to a garage or another destination.
If your vehicle goes to the garage, we’ll reimburse you for the cost of a taxi ride up to 20 miles.
Fault report for the garage
Your patrol will give you a report about your breakdown, which includes a suspected fault diagnosis. If you need to go to a garage for repair, you can hand this over to give them an indication of what’s wrong with your vehicle.
As well as roadside and home rescue, you're also covered for:
Instead of a 10-mile tow, we'll tow you and your passengers to any garage or destination the UK. Other providers call this ‘National Recovery’.
Up to 2 days alternative transport
You’ll get up to £150 to help you stay mobile for up to 2 days while your vehicle’s in the garage. This can go towards any combination of hire car, taxis, public transport and even a hotel. If you need a hire car, we'll even deliver it to you.
Advanced garage support
Your patrol will contact up to 3 RAC garages to check who can see you the soonest. Your patrol will also get you a repair estimate from the garage, to give you an idea of how much it will cost. They’ll also give you a full explanation in plain English.
As well as everything in Advanced, you’re also covered for:
Up to 7 days alternative transport
You’ll get up to £500 to help you stay mobile for up to 7 days while your vehicle’s in the garage. This can go towards any combination of hire car, taxis, public transport and even a hotel. If you need a hire car, we'll deliver it and collect it when you've finished.
Ultimate garage support
There’s no need to come to the garage with us. All we ask is that you stay with your vehicle until it’s been safely loaded onto a van or recovery truck. Then you can leave the rest to us, while you get on with your day. We’ll arrange a taxi or hire car for you, straight from the scene of the breakdown. Then we’ll tow your vehicle to the garage, give them your contact details, and they’ll call you with a detailed quote.
Find more information in our complete guide to breakdown cover.
* For new, single vehicle based cover on a fixed 12 month plan. Standard cover from £4.75 a month. Ends 18/01/22, 7am.
Even more reasons to choose the RAC
Some providers tow you straight to a garage. But our expert local patrols fix most at the roadside, in 30 minutes on average - saving you the cost of a garage fix.
We'll never charge you for labour or fitting. It’s all included in the price, so you know where you stand.
Answers to your questions
Q. What vehicles do you cover?
- UK registered
- a maximum of 3.5 tonnes, 6.4 m long (and 2.5 m wide - that’s roughly the weight and size of a Ford Transit long wheelbase van)
- a motorcycle over 49cc (or 121cc in Europe)
For caravans and motorhomes, we can offer roadside assistance and recovery with our RAC Arrival product.
Q. Will my breakdown cover start straight away?
Yes. Your breakdown cover will start straight away, as long as you haven’t already broken down.
For Standard, Advanced and Ultimate, you'll be covered for roadside and home rescue and a 10-mile tow for the first 24 hours. Your full cover will start after 24 hours.
Key Replace, Battery Replace and Tyre Replace cover starts 14 days after your breakdown cover start date. Garage & Parts cover is available at the same time as your breakdown cover.
Q. Do I pay monthly or annually?
You can choose from a flexible rolling contract, where you pay on a monthly basis and cancel anytime, or a longer fixed-term plan, which can last for longer than a year. With this fixed-term option, you can either pay upfront when you initially purchase this type of cover, or pay monthly throughout the duration of your contract.
Q. What RAC member benefits are there?
Your RAC membership also comes with exclusive discounts on car maintenance, travel and leisure. This includes 25% off airport parking, 20% off gym memberships and more. See all your RAC member benefits..
Q. What if I use my vehicle for business?
Q. How much is breakdown cover?
The cheapest level of breakdown cover starts from £4.75 a month on a 12 month plan. This is for our Standard level of cover for 1 vehicle. Exactly how much your breakdown cover costs depends on:
- The level of cover you choose – Standard, Advanced or Ultimate
- The type of cover you choose – personal cover usually costs more than vehicle cover
- How many vehicles or people you cover – the more you add, the more it will cost
- Whether you need add-ons – like Key Replace, Battery Replace, Tyre Replace or Garage and Parts cover
Q. Does RAC Breakdown Cover protect me if I travel to Europe?
European cover doesn’t come as standard with your UK breakdown cover. To make sure you’re covered if you travel to Europe, you can:
- add European Rescue to your existing policy
- buy European breakdown cover as a standalone policy
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