Temporary Car Insurance Extras
When you get a quote for our Temporary Car Insurance, you can choose to add further cover, as it suits your needs.
Temporary Breakdown Cover (UK only)
RAC Short Term Breakdown Cover1 is a policy that covers the driver on the insured vehicle for a limited period and can be added to your Temporary Car Insurance. It could be just for a single day, or for several days. It’s the ideal solution if you don’t need an annual policy, but want to be covered for breakdowns alongside your insurance.
Cover levels
Roadside only cover
For the first 4 hours of your cover, or if you have only taken out a policy for 4 hours or less, you’ll get Roadside only cover.
Roadside assistance more than ¼ mile away from home
Recovery of the vehicle and 8 passengers to any UK destination
Assistance if the vehicle breaks down at home or within ¼ mile from home
If the vehicle can’t be fixed at the roadside, choice of alternative transport, hire car or overnight accommodation
Roadside, Recovery, At Home and Onward Travel cover
If your policy is longer than 4 hours and your cover has been active for over 4 hours, you’ll get a greater level of protection – our Roadside, Recovery, At Home and Onward Travel cover.
Roadside assistance more than ¼ mile away from home
Recovery of the vehicle and 8 passengers to any UK destination
Assistance if the vehicle breaks down at home or within ¼ mile from home
If the vehicle can’t be fixed at the roadside, choice of alternative transport, hire car or overnight accommodation
Temporary Car Insurance (in Europe)
Available for cars registered in the UK only
Optional cover for foreign use is available at an additional premium, should you wish to drive your car on the continent of Europe (see policy wording for territorial limits).
The following restrictions apply:
Journeys must originate and terminate within Great Britain, Northern Ireland or the Isle of Man
Cover is only available for cars registered in the UK
Excess Protection
The option to protect your excess can be added when you purchase your policy. This means you won’t have to pay the full excess amount if you need to make a claim.
FAQs
Yes, you can add short term breakdown to cover you for the duration of your policy.
You’ll get all the benefits of our RAC Breakdown cover including Roadside Assistance, Recovery for up to 8 people and your car to any single destination in the UK. Plus, Onward Travel benefits such as a replacement car, overnight accommodation or alternative transport. Policies that are 4 hours or less are only eligible for Roadside Assistance breakdown cover.
Just make sure you add RAC Breakdown cover when you purchase an RAC Temporary Car Insurance policy online.
Yes, it does, providing you are not transporting goods or people for hire or reward (for example, a taxi service or courier).
Our cover is perfect if you’re insuring a car for a few days away at another office or business conference. Alternatively, if you only travel for business now and then, our short term car insurance could be more cost effective then adding business cover on your annual car insurance policy.
Yes. You will need to buy our additional cover for Europe (this is an optional extra). Journeys must start and finish within Great Britain, Northern Ireland or the Isle of Man, and cover is only available for cars registered in the UK. We can only provide temporary car insurance for travelling to countries within the EU, EEA, and Switzerland. See the government website for a list of countries.