RAC breakdown cover review

RAC provide a wide range of breakdown services, including blue badge and key cover. Our review can help you see if it's right for you.

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RAC Car Insurance

RAC

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Who is the RAC?

The RAC is a UK-based company and was established in 1897 as the Royal Automobile Club to provide roadside help for its customers. Since then, it’s branched out into car, home and travel insurance.

The RAC prides itself on rewarding loyal customers and providing great service – and it does indeed do well in independent customer satisfaction surveys.

What are my cover options with the RAC?

Customers can choose from a range of policies to suit their circumstances. Below is a list of the different types of breakdown cover you can get with the RAC, with key features for each.

The RAC is the only breakdown provider with a service specifically designed for blue badge holders.

  • The breakdown patrol will know you’re a blue badge holder before it reaches you.
  • Cover includes roadside assistance, recovery, at-home cover and onward travel cover as standard.
  • If your car can’t be fixed, you’ll be towed anywhere in the UK or have overnight accommodation provided for you.
  • Text facilities available if you have impaired hearing.
This type of breakdown cover is aimed at those with more than one car at home. It provides cover for anyone who drives the vehicle covered by the policy. Features include:

  • You can get one membership for up to five family members.
  • One membership can include up to three named vehicles.
  • Covers anyone at university and temporarily living away from the permanent address.
  • The named members will be covered in any vehicle they drive or are passengers in.
Personal breakdown cover covers you instead of a particular vehicle. Features of RAC personal breakdown cover include:

  • You are covered no matter what vehicle you are in.
  • It is still valid if you are the passenger of a vehicle.
  • You are able to add up to four other members on your policy.
  • You are covered as a pillion passenger on a motorbike.
Enjoy a worry free trip knowing you have European breakdown cover. RAC offers you security on the roads in Europe with its European roadside assistance. Features include:

  • 24/7 English-speaking helpline.
  • Cover in up to 49 countries.
  • Single-trip and annual policies for vehicles of any age.
RAC’s motorbike cover is designed to get you back on your bike as soon as possible. Features include:

  • You will receive help in the event of an accident.
  • The patrol team will use special motorcycle trailers and loaders.
  • Covered for any problem including a puncture or a battery problem.
  • You are also covered if you motorbike does not start or cuts out.
Designed to keep your business moving, RAC’s business breakdown is available at a vehicle level, so covers any driver of your specified business cars, vans, minibuses, taxis or trucks is covered.

  • You are covered no matter what vehicle you are in.
  • Fix prices for up to 2 years.
  • Van-for-van replacement.
  • Free online vehicle management.

What is covered under my policy?

There are many different types of breakdown cover available with the RAC – the right policy for you depends on your individual circumstances.

Cover options include:

  • Recovery. With this cover, RAC will take you, up to eight passengers, and your vehicle to a destination of your choice anywhere within the UK mainland.
  • At Home. Means RAC will tend to your vehicle if it breaks down within a quarter of a mile from your home address.
  • Onward Travel. With this option the RAC will provide a courtesy car for you and any passengers or the option of overnight accommodation or journey continuation.
  • Other breakdown extras. Including Battery Rescue, Key Replace, Garage Parts and Labour, and European Rescue are also available.

What is my excess?

An excess is the amount of money that you will be expected to pay if you make a claim.

Whilst you will not have to pay an excess for your breakdown cover, you will have to pay one should you receive a replacement vehicle.

For full details about the excess on your breakdown cover, please consult your breakdown cover policy.

What is the claims process for the RAC?

If you break down and need to make claim, you can call the RAC Breakdown hotline number.

If you have broken down, call 0333 2000 999.

Their hotline is open 24/7, including Christmas.

Pros and cons for RAC breakdown cover

Pros

  • Key cover available
  • 4 out of 5 cars are successfully fixed at the roadside
  • 24/7 roadside assistance all year

Cons

  • Your renewal price may increase if you make a claim
  • Policy information is not easily accessible

Our Verdict

There’s no denying that RAC’s breakdown cover is well known in the UK. And with 120 years in the industry, it’s not surprising that RAC does breakdown recovery pretty well.

Its cover is available for a range of different road users including blue badge holders, multi-car users and even those using business vehicles.

If you require breakdown cover, don’t just go for adding it as an optional extra to your car insurance. Do a little research first to see whether you’ll get it cheaper as a standalone policy.

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