FLEET BREAKDOWN COVER
SALE – up to 33% off*
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Spread the cost monthly – only with the RAC -
We get to most breakdowns in 60 mins or less
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Our patrols fix 4/5 breakdowns
What is fleet breakdown cover?
Fleet breakdown cover lets you include several commercial vehicles on one policy. You can use it to cover vehicles like cars, vans, minibuses, or motorbikes.
Standard breakdown cover usually covers just one to three vehicles or family members, registered at the same home address for personal use.
In some cases, business breakdown policies also cover personal use of the vehicle.
We’re trusted by over 15 million members and have an ‘Excellent’ Trustpilot rating. Our branded patrols get to most in 60 mins or less and fix 4/5 breakdowns. Vehicle based fleet breakdown cover - so you're covered, no matter who’s driving. Monthly payments (only with the RAC) so complete peace of mind® for your business doesn’t have to break the bank.
Compare our fleet breakdown cover
At the RAC, we tailor your cover to your business. We exclusively offer flexible monthly payments for all types business breakdown cover.
Roadside & At Home
We'll rescue you from anywhere in the UK. If we can't fix you, we'll give you a 10 mile tow.
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Business cover, with personal use
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We'll send help to fix your vehicle if it breaks down anywhere in the UK.
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Repeat callouts for the same fault won't be covered.
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You'll have a £300 preapproved parts limit. There's no need to arrange payment at the roadside, you'll be sent an invoice once the repairs are complete.
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If we can't fix you, we'll tow your vehicle up to 10-miles.
Roadside, Recovery & At Home
If we can't fix your vehicle, we'll take you, your vehicle and your passengers anywhere in the UK.†
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Business cover, with personal use
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We'll send help to fix your vehicle if it breaks down anywhere in the UK.
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Repeat callouts for the same fault won't be covered.
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You'll have a £300 preapproved parts limit. There's no need to arrange payment at the roadside, you'll be sent an invoice once the repairs are complete.
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With Recovery, if we can't fix your vehicle at the roadside, we'll recover you, your vehicle and passengers anywhere in the UK. Cover starts 24 hours after your cover start date.
*Max 33% applies to new Roadside, Recovery & At Home, fleets 1-5. Excludes minibuses. Ends 18/08/26, 8am. ^Price a month per vehicle, fleets of 2. †The driver and up to 8 other people travelling in the vehicle (16 if the vehicle is a minibus).
Why choose us?
Help in 60 minutes
We get to most breakdowns in 60 minutes or less.
We fix 4/5 breakdowns, with repairs done in just 30 minutes on average.
Van-for-van replacement
With Van Total get a replacement van while yours is being fixed.
Fleet size over 100?
Get a quote or more information on RAC Business Breakdown Cover.
What optional extras are there?
European breakdown cover
With RAC Business European Breakdown Cover, you're covered in 48 countries across Europe. So you can have complete peace of mind® when driving abroad.
Can't do without your vehicle? Get a hire vehicle while yours is in the garage with Onward Travel.
Battery Replace
Get a new battery if we can't recharge yours - worth up to £600.
Puncture? No problem - you'll get up to £180 per tyre to repair or replace your damaged tyre.
Legal Expense Insurance
If you have an accident that wasn't your fault, we'll help you claim back losses your motor insurance doesn't cover.
What is a business or commercial fleet?
A fleet can comprise a range of commercial vehicles involved in the running of your business, like:
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Cars
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Motorcycles
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Vans (Up to 3.5 tonnes)
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Minibuses (Up to 4.5 tonnes)
For RAC Fleet Breakdown Cover, a fleet is defined as between 1 and 99 commercial vehicles. If you have more than this, you can explore our 100+ Fleet Business Breakdown Cover.
Get a quote
Build your cover now to get a quote in minutes.
Get in touch
Prefer to speak to one of our team about business breakdown cover? No problem, enquire below or give us a call on 0330 159 0975
RAC Business Club
RAC Business Club puts you in complete control of your business vehicles. This easy to use online tool with help you managed your vehicles more efficiently.
- Keep your drivers and vehicles safe on the road with our comprehensive duty of care library
- Manage MOTs, servicing and repairs online with the RAC Approved Garage Network
- Set up renewal alerts for your vehicles to ensure you’ll always be covered
- View your breakdown policy online and update, amend or upgrade your cover whenever you want
What business breakdown cover do you need?
We cover a range of businesses and vehicle types.
Answers to your questions
Fleet breakdown cover is priced based on your specific business needs, so there isn’t a fixed cost. Quotes are tailored to you. So you could pay less depending on your details.
The price of your fleet cover will depend on several factors, including:
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The level of cover you choose (e.g. Roadside, Home, Recovery, or more comprehensive options).
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The types of vehicles in your fleet and where they’re based.
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The number of vehicles or drivers you want to cover.
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Any optional extras you add, such as European cover, battery replacement, tyre replacement or legal expenses cover.
We may also run sales from time to time. This could reduce the initial overall cost of your cover.
Fleet breakdown cover is available to a wide range of businesses that rely on multiple vehicles as part of their day-to-day operations.
This includes:
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Small businesses and sole traders with several vehicles.
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Delivery and courier companies.
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Tradespeople such as plumbers, electricians, and builders.
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Taxi and private hire fleets.
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Car and van hire companies.
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Logistics and transport businesses.
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Public sector organisations managing company vehicles.
In general, if your business runs more than one vehicle, you may be eligible for fleet breakdown cover. Policies can be tailored to suit both small and large fleets.
Yes. Electric and hybrid vehicles can usually be included in RAC Fleet Breakdown Cover.
Our cover is designed to support a wide range of vehicle types, and our patrols are trained to work with electric, EV and hybrid vehicles. Assistance can include roadside help, recovery, and transport to a suitable garage if needed.
Depending on your cover level, it can include:
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Roadside assistance to fix your vehicle at the scene.
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Recovery to a garage or destination if we can’t fix the vehicle.
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At home or depot assistance for breakdowns at your business premises.
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Unlimited callouts on selected policies.
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Parts and repairs at the roadside, with costs invoiced where applicable.
You can also tailor your policy with optional extras, such as onward travel, tyre replacement or European cover.
Yes. Many of our cover levels include national recovery.
If we can’t fix your vehicle at the roadside, we can take it either to:
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A nearby garage or
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Anywhere in the UK (depending on your level of cover).
This helps reduce disruption and keeps your business running smoothly.
Yes. European breakdown cover is available as an optional add-on for fleet policies.
With this in place, your vehicles are covered across a wide range of European countries. We’ll provide support if you break down abroad, including roadside assistance, recovery, and help managing onward travel where needed.
European cover is ideal if your business operates internationally or regularly sends vehicles overseas.
Fleet insurance and fleet breakdown cover serve different purposes, but both are important for businesses with multiple vehicles.
Fleet insurance covers you financially if something goes wrong, such as:
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Accidents
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Theft
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Damage to your vehicles or others.
It also protects against claims and legal liability.
Fleet breakdown cover provides practical help if a vehicle breaks down. This can include:
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Roadside assistance
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Repairs
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Recovery to a garage
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Optional services (like onward travel or replacement vehicles).
No, fleet breakdown cover is not a legal requirement. However, it can be a valuable service for businesses that rely on vehicles.
While motor insurance is required by law, breakdown cover is optional. Having fleet breakdown cover in place can help reduce downtime, keep your drivers on the road, and avoid unexpected costs if a vehicle breaks down.
At RAC, our fleet cover is designed to support your business when you need it most and minimise disruption to your operations.
Fleet management involves overseeing a company's vehicle fleet, including maintenance, tracking, and optimizing operations to make sure the fleet is running efficiently. This includes tasks such as vehicle acquisition, scheduling, fuel management, and ensuring regulatory compliance.
A DVLA fleet number is a unique number that is assigned to a fleet of vehicles. It is used to track your fleets and is needed when registering or taxing your vehicles.
Fleet Insurance covers two or more commercial vehicles under the same policy. This means that all your vehicles have the same renewal dates and level of cover. Check out RAC Fleet insurance here.
You can make changes to your RAC Business Breakdown Cover plan/level through the RAC Business Club portal. Alternatively you can call a member of our team to make the changes for you.
Page reviewed by: Andy Baker