RAC Breakdown Cover Review | Bobatoo

RAC breakdown cover review

4/5 vehicle fixed at roadside

RAC Key Return

Van-for-van replacements

RAC logo

Who are RAC?

RAC has been trading since 1897, now boasting what they claim to be ‘the world’s most advanced computer systems to deal with calls for roadside assistance’.

While they have branched out into other products such as home and car insurance, RAC’s main focus is on breakdowns, with policies covering everything from motorbikes to European roadtrips.

RAC website home page

Breakdown insurance packages – what they have to offer

RAC offer the three core levels of breakdown cover: roadside assistance, vehicle recovery and onward travel. They claim that their basic roadside assistance service fixes 80% of all breakdowns at the side of the road, within an average time of 30 minutes. For the 20% that they can’t fix, their vehicle recovery policy allows for you to be taken wherever you need to go in the UK.

If upgrading to their vehicle recovery policy, you also get the option of bumping yourself up to an onward travel policy free of charge, meaning that RAC will attempt to provide you with either a hire car, overnight accommodation or up to £150 per person towards public transport costs.

They also offer home start breakdown cover, promising to tow you up to 10 miles to a garage should your vehicle break down within a quarter-of-a-mile away from your home address.

They offer both personal and vehicle breakdown cover, allowing you to tailor your policy to fit your needs.

If you’d like to learn more about breakdown cover and the different kinds of policies available, read our Complete Guide to Breakdown Cover here.

UK Breakdown Cover

An umbrella term for all of their UK breakdown cover policies, RAC’s UK breakdown cover can be adjusted to suit your needs.

  • Roadside assistance with every policy – 4/5 vehicles with RAC emergency breakdown cover are fixed roadside and within 30 minutes.
  • Upgrade to vehicle recovery – Upgrading to vehicle recovery will allow you and your vehicle to be taken anywhere in the UK if you break down.
  • FREE onward travel – Bump up your cover to onward travel for free when you choose vehicle recovery.
  • Key replacements – Also get up to £1500 of cover on vehicle or house keys, new lock fittings and resetting alarms and immobilisers when you add key replace to your policy. It’s free with vehicle recovery until June 26, 2019.
  • ‘At home’ cover – For an extra £2/month, make sure that you are covered against breakdowns within a quarter-of-a-mile of your home.
  • Personal cover – For an extra £1/month, upgrade to cover yourself in any vehicle that you drive.
  • 20 mile taxi – After breakdown included on all cover level – As well as getting your car to a garage, RAC will pay a taxi fare for you and any passengers for a journey lasting up to 20 miles.

European Breakdown Cover

RAC’s European breakdown cover is available as either a standard or premium package, offering varying levels of support. They also offer short-term breakdown cover in Europe if you don’t require a full year of cover.

A screenshot of what RAC offer

Motorbike Breakdown Cover

RAC’s Motorbike Breakdown Cover is almost identical to that offered for cars and can be personalised to meet your needs.

  • Roadside assistance – 4/5 vehicles are fixed roadside and within 30 minutes.
  • Upgrade to vehicle recovery – By doing this, you and your vehicle can be taken anywhere in the UK in the event of a breakdown.
  • FREE onward travel – upgrade your policy to have onward travel at no extra cost when choosing vehicle recovery.
  • Key Replace – Up to £1500 of cover is provided on vehicle or house key replacements, new lock fittings and resetting alarms and immobilisers when you add this to your policy. If you choose vehicle recover, it’s free – only until June 26, 2019.
  • ‘At home’ cover – For an extra £2 a month, this covers you against breakdowns that occur within a quarter-of-a-mile of your home.
  • Personal cover – For an extra £1 per month, upgrade to cover yourself.

Breakdown Cover for Business Vehicles

RAC’s Business Breakdown Cover allows you to cover any specified driver of your business vehicles.

  • Cover available for cars, vans, taxis, motorcycles, minibuses and trucks.
  • Fixed prices for 2 years – Get a fixed price on a policy for 2 years, avoiding potential annual renewal increases.
  • Van-for-van replacement – RAC is the only provider who can offer you a van-for-van or car-for-car replacement with their onward travel policy.
  • Online vehicle management – Manage MOTs, services, repairs and more with access to RAC’s Business Club, fleet management tools and member benefits.
  • Free months – Get up to 5 months free – spread over the length of your policy – when buying online, depending on your chosen level of cover.

Family and Multi-Car Breakdown Cover

RAC’s Family and Multi-car Breakdown Cover provides cover for anybody who is named on a family breakdown cover policy, or anybody who drives a vehicle registered to on a multi-car breakdown cover policy.

Family Breakdown Cover

  • Provide comprehensive breakdown cover to family members, whether they are a driver or passenger.
  • Name up to 5 people on a family breakdown cover policy.
  • Save money on purchasing several individual policies.

Multi-Car Breakdown Cover

  • Get breakdown cover for up to 3 vehicles registered to one address under a single policy.
  • Save time and money on taking out several individual policies.
  • Perfect if you have more than one vehicle registered to your address.

Other Benefits

Members of RAC are provided with a range of benefits in the way of services and discounts, both vehicle-related and otherwise.

Services

  • Accident care – Whether you were at fault or not, RAC can come to your assistance if you have an accident.
  • Legal advice – Free, 24/7 legal advice on anything from writing a will to buying a house.
  • Key return – Attach your free RAC keyfob to your keys and somebody can send them straight back to you by posting them into a post box.

Discounts

  • Car maintenance discounts – Save up to 50% on car maintenance with registered garages.
  • Days out – Save as much as 54% on days out at some of the UK’s most popular attractions.
  • Travel extras – Save up to 25% on travel extras from UK breaks to airport parking and travel insurance.
  • Member prize draw – Be entered into a monthly draw to win trips around the world.

How much does RAC breakdown cover cost?

NOTE: The prices of the following policies and add-ons can vary, depending on your specific requirements.

UK Roadside Breakdown Cover

Mechanic sent out to fix your vehicle at roadside.

Tow your car to a local garage if it can’t be fixed.

Monthly: £4.50 / Annually: £45

UK Vehicle Recovery

Mechanic sent out to fix your vehicle at roadside.

Tow your car to anywhere in the UK if it can’t be fixed.

Monthly: £11.50 / Annually: £115

UK Onward Travel

Overnight accommodation, a hire car or reimbursed public transport costs while your vehicle is being fixed.

Monthly: £11.50 / Annually: £115

'At Home' Recovery (optional extra)

They will fix your vehicle at, or within a quarter-of-a-mile of your home address

With Vehicle Recovery: £2 per month OR £20 per year

Without Vehicle Recovery: £7 per month OR £70 per year

Key Replace (optional extra)

Cover your vehicle and house keys – as well as any damaged locks and alarms – for up to £1500

£2 per month OR £20 per year

Personal Cover (optional extra)

Cover in any vehicle either as a driver or passenger

£1 per month OR £10 per year

RAC breakdown cover pros and cons

Pros

  • 4/5 vehicles fixed at roadside – around 80% of callouts made by RAC customers are fixed at roadside.
  • RAC Key Return – helps to recover your lost car keys.
  • Van-for-van replacements – the only UK emergency breakdown cover provider to offer this service for onward travel policy holders.
  • Member benefits – additional services and discounts for members.
  • 20 mile taxi fare covered after breakdown included on all levels of cover.

Cons

  • Mobile app – smartphone app is temperamental and lacks some features.

Breakdown cover provider app

RAC have a smartphone app, available on both Android and Apple devices, which offers a range of services.

Pros

  • Route planner - use the app to plan your route.
  • Real-time roadworks and traffic congestion alerts.
  • Connect to an RAC employee with the touch of a button in the event of a breakdown.
  • Manage your account.
  • Expense calculator - calculate travel expenses with a mileage calculator.
  • Get reminders when your MOT, service or tax is due.
  • The app uses your phone's GPS service to pinpoint exactly where you are.

Cons

  • Users have suggested that the app is temperamental.
  • Some users have stated that the app is slow, from sigining in to everyday use.
  • Sometimes traffic information is unreliable.
  • Users have experienced some trouble when loggin into the app.
  • It cannot track your recovery service like on competing apps.
  • Users have suggested that adverts on the app can get in the way.

RAC also have another app, RAC Telematics, which can be used to track vehicle and driver performance if you have had telematics installed into your vehicle by RAC.

FAQs

For answers to other frequently asked questions on breakdown cover, read our Breakdown Cover FAQs here.

Customer Experience

Customer reviews from certified sites like Trustpilot give a fairly good representation of what you can expect from your breakdown provider.

Out of over 28,000 breakdown cover reviews, RAC average 4/5 stars, which Trustpilot label as ‘great’.

4 star rating on trust pilot

Recent reviews include positive experiences of motorway recovery, saved holidays, speedy response rates and helpful over-the-phone communication with workers.

However, some reviews are not so positive, with some users claiming that they have been left waiting for hours throughout the night for recovery due to the lack of availability of recovery vehicles.

It is important to remember that all breakdown cover providers will encounter issues in some cases, so it is better to look at average ratings than individual ones.

Ratings (out of 5):

Trustpilot: 4

Reviews.co.uk: 1.5

SmartMoneyPeople: 3.5

Reviewcentre : 2

Average: 2.75/5

Expert Ratings

Defaqto

Defaqto gave a 5-star rating for roadside, recovery, onward travel and at-home breakdown cover.

AutoExpress

AutoExpress ranked RAC as the 6th best breakdown provider in the UK for 2018, coming behind other popular providers such as the AA, GreenFlag and Gem Motoring Assist.

What happens if I break down? – How to contact RAC

If you break down and are covered by the RAC, you can contact them via:

  • Phone – Call 0333 2000 999, open 24/7.
  • App – Use RAC app to inform them of a breakdown.

If you’re still undecided after reading this RAC breakdown cover review, take a look at our other breakdown cover reviews here.

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