RAC Breakdown Cover
What's included with RAC Breakdown Cover?
A breakdown can throw off your entire day, but our RAC Breakdown Cover will get you back on the road in no time.
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What’s covered with RAC Breakdown Cover?
A good place to start when comparing breakdown cover in the UK is to check what's included as standard. Some providers include more than others with their entry-level cover. Here’s a rundown of what you get on all RAC Breakdown Cover levels.
Unlimited UK call outs
For the duration of your policy, there is no limit to call outs. Because breakdowns happen when you least expect it.
24-hour UK roadside assistance
Day or night, the recovery team is always on call to help you when you need it most.
4 out of 5 breakdowns fixed on the spot
We fix 80% of breakdowns at the roadside – saving you going to a garage. You’re in safe hands.
Transport support for you, your passengers and your car
We’ll drop you off at your chosen destination within 10 miles of your home, while your vehicle is out of action.
Get the right 
Breakdown cover for you
Choose from 5 levels of cover.
Download the 
app!
The myRAC app has everything you need in one handy place.
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Find the best value local fuel
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Quickly report a breakdown
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Never miss tax, service and MOT dates
Answers to important questions
How can I add car Breakdown Cover to my car insurance?
If you're a new customer, you can take out Breakdown Cover when you purchase a car insurance policy online or over the phone.
Already got a policy with us? No problem, you can add Breakdown Cover by logging into Your Account. Log in and click 'make changes' to get a quote and update your policy. Or alternatively you can call our Customer Services team.
If you're a Plus or Premier customer, check your policy schedule to see what's included in your policy.
How do I contact the car breakdown company?
Our breakdown cover is provided by the RAC, we recommend saving their number so you always have it to hand.
You can contact the RAC on:
- UK breakdown: 0330 159 8714
- European breakdown: 00 33 472 43 52 55
How do I know if I have Breakdown Cover?
You can easily check what cover you have by taking a look at your policy documents. If you don't have them to hand, don't worry, you can find them in Your Account.
Does your Breakdown Cover me in other cars I drive?
No, this cover is only for the insured vehicle.
What countries are covered under your European Breakdown car insurance?
You can see the full list of European countries covered here.
Coronavirus Update: Our European breakdown service with RAC is currently operating with restrictions due to the steps other countries have taken. They’ll do their very best to help if you’re abroad and break down, but it may become very difficult or impossible to provide roadside service in some countries.
Anyone thinking of driving to Europe should check The Foreign & Commonwealth Office website which is currently advising against all non-essential travel worldwide.
Do I get a refund if I cancel my car Breakdown Cover?
If you bought Breakdown Cover as an Optional Extra, you're entitled to a full refund if you cancel your cover within 14 days from the start date of your policy, providing you haven't used the cover.
After this 14 day period you won't be eligible for a refund.
If you bought your Breakdown Cover as part of a Plus or Premier product, you'll receive a pro rata refund of your premium.
Check your policy wording in Your Account for full details.
Thinking about RAC Breakdown Cover?
If you have an existing car insurance policy with 1st Central and would like to add RAC Breakdown Cover, you can take out cover at any time during the year by logging into Your Account. If you're a 1st Central Plus or Premier customer, you can log in at any point to upgrade your RAC Breakdown Cover.