Personal Breakdown Cover

On all our cover levels, we’ll come to your rescue if you break down at someone else’s house. We’ll try to fix you there and then, or we’ll tow you to a garage if we can’t. Just remember, Basic and Extra cover only applies to breakdowns over ¼ mile from your address, so if you break down at a house that’s less than ¼ mile from home, and you’re on Basic or Extra, you won’t be covered – that’s the only exception.

If you have ‘Basic’ or ‘Extra’ cover levels, you have 5 callouts per year; with 1 additional callout for every person or vehicle added to the policy. With ‘Complete’, you have unlimited callouts – so you can call us out as many times as you like, as long as it’s not for a recurring problem.

Yes, with Personal Cover you're covered in any eligible vehicle¹. RAC breakdown packages give the same level of cover to motorbikes as cars. Please note that motorcycles need to be over 49cc and not be classed as a mobility scooter.

Yes you can. With personal cover, you can get cover that applies to any eligible vehicle you’re in – as a driver or a passenger. This is ideal if you often travel in more than one car, van or motorbike. And you can add personal cover for up to 5 people to the same policy, as long as they all live at the same address.

Yes, you can add up to 5 people living at the same address to your personal breakdown cover. Just click ‘buy now’ on the website and choose personal cover, then pick the number of people you’d like to add.

There’s no vehicle age limit for RAC Breakdown Cover – we can cover your car no matter how old it is.

With personal breakdown cover (and vehicle-based cover), you’re covered all over the UK. But if you’re driving abroad, you’ll need separate cover. Luckily we offer European breakdown cover, for single trips and travel throughout the year, so you can get peace of mind driving on the continent.

There’s one exception – if you’re resident in Northern Ireland, you’re covered when you drive anywhere in the Republic of Ireland under your normal UK breakdown cover.

Yes. With personal breakdown cover, you’re covered in almost any vehicle – including cars, motorcycles (49cc and over), vans and campervans.

Just as long as the vehicle doesn’t weigh more than 3.5 tonnes (3,500 kg) and isn’t bigger than 6.4 m by 2.55 m (that's about the same as a Ford Transit long wheelbase van).

RAC personal breakdown cover covers you as a person. Personal car breakdown cover is a good choice if you often drive or are a passenger in a number of vehicles.

Vehicle breakdown cover covers an individual vehicle. This is a popular choice of cover for people who drive one vehicle or have a vehicle that more than one person drives.