Explore RAC Breakdown Cover for Essential Roadside Assistance

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Understanding RAC Cover: The Essential Breakdown Assistance You Might Need

Estimated reading time: 5 minutes

  • Customized Protection: Choose between vehicle or personal cover based on your lifestyle.
  • Peace of Mind While Traveling: Enjoy varied levels of roadside assistance and onward travel options.
  • Financial Savings: Members benefit from discounts, saving on unexpected repair costs.
  • Comprehensive Coverage: Avaliable for car owners, renters, and others sharing vehicles.
  • Stay Prepared: Invest in RAC services now to be ready for any surprises on the road.

Table of Contents

What is RAC Breakdown Cover?

RAC Breakdown Cover is designed specifically for motorists who face the unfortunate situation of their vehicle breaking down on the road. Unlike standard motor insurance, which primarily covers damages and liability in accidents, RAC cover focuses on providing immediate assistance when a vehicle encounters mechanical failure, gets a flat tyre, or experiences other issues that prevent it from operating normally.

According to RAC’s official breakdown guide, this cover includes roadside repairs, vehicle recovery, and additional travel assistance services, which can be pivotal in getting you back on your way without significant delays.

Types of RAC Breakdown Cover

Understanding the different types of RAC Breakdown Cover is essential for choosing the option that best fits your needs. Below is a clear breakdown of the options offered by RAC:

1. Personal vs Vehicle Breakdown Cover

  • Vehicle Breakdown Cover: This option covers specific vehicles regardless of who is driving. For households with multiple cars or companies managing fleet vehicles, this can prove to be a practical choice. A single policy can cover up to three vehicles, making it convenient for larger families or businesses. More details can be found on the RAC’s website.
  • Personal Breakdown Cover: This type covers individuals and their household members while they are driving or riding in any eligible vehicle. This option can be especially attractive for those who frequently use different cars, whether personal, rental, or company vehicles. Up to five people living at the same address can be included in the cover (RAC Guide).

2. Levels of Coverage

RAC offers various levels of coverage that cater to different breakdown scenarios:

  • Roadside Assistance: If your vehicle breaks down more than a quarter mile away from your home, RAC patrols will strive to fix the problem on-site. If they can’t resolve the issue, the vehicle will be towed to a local garage, usually within 10 miles under basic coverage (RAC Breakdown).
  • At Home Cover: Applicable if you experience a breakdown at home or very close to it (within a quarter mile). This coverage is generally included in higher-level packages such as ‘Extra’ and ‘Complete’ (RAC Services).
  • Vehicle Recovery: This service ensures that if the problem cannot be fixed on the roadside, RAC will tow your vehicle to a garage. Coverage limits may vary, offering either a 10-mile tow or unlimited towing within the UK, depending on your selection (RAC Breakdown).
  • Onward Travel: If your vehicle requires extensive repairs, RAC can arrange alternative transport, such as a hire car, overnight accommodation, or contributions towards public transport. This is generally included in the ‘Complete’ cover or available as an add-on (RAC Breakdown).
  • Mis-fuel Rescue: In an unfortunate instance of misfuelling, RAC offers assistance, subject to certain terms and conditions (Lifesure).
  • European Cover: For those who travel abroad, this coverage can be acquired as an add-on or as a standalone policy, ensuring you are never left in a lurch while driving in another country (Lifesure).

Key Features and Benefits

What makes RAC Breakdowns a standout service in the insurance landscape? Here are some notable features:

  • Regulated Coverage: RAC’s services are offered by recognized entities, namely RAC Motoring Services and RAC Insurance Limited, both regulated by financial authorities in the UK (Law Insider).
  • Wide Vehicle Coverage: Whether you own a standard car, an electric vehicle, motorbike, van, or classic car, RAC coverage is comprehensive (RAC Breakdown).
  • Fast Response Times: RAC patrols typically arrive within 60 minutes, with an impressive 80% of breakdowns resolved on the spot, minimizing wait times during frustrating situations (RAC Breakdown).
  • Additional Perks: Membership often includes discounts on maintenance services, leisure activities, and travel (RAC Breakdown).

Practical Takeaways: Why Consider RAC Breakdown Cover

RAC Breakdown Cover offers several advantages for drivers:

  1. Customized Protection: Choose between vehicle or personal cover depending on your lifestyle and driving habits.
  2. Peace of Mind While Traveling: With various levels of roadside assistance and onward travel options, you can stay worry-free, whether at home or on the road.
  3. Financial Savings: With RAC, members can benefit from discounts, and the service can ultimately save you on unexpected repair costs and inconveniences.
  4. Comprehensive Coverage for Every Driver: Whether you’re driving your own car, a rental, or sharing with family and friends, RAC ensures you’re covered everywhere.
  5. Stay Prepared: Don’t wait for an emergency to think about breakdown cover. Investing in RAC services now means you’ll be ready for whatever surprises the road may throw your way.

Conclusion

RAC Breakdown Cover is a type of specialized insurance that provides invaluable roadside assistance when you need it the most. By understanding the different types and levels of coverage available, as well as the essential features that RAC offers, you can make an informed decision when considering your own breakdown insurance needs.

Remember, this insurance is not just about peace of mind but also ensures you’re never left stranded due to a vehicle malfunction. For anyone who spends significant time on the road—whether commuting to work or traveling for leisure—this cover could be a crucial aspect of vehicle ownership.

For more insights, tips, and guides on securing the best deals on insurance, explore our blog at Best Insurance Price.

FAQ

What does RAC Breakdown Cover include?

RAC Breakdown Cover includes roadside repairs, vehicle recovery, and additional travel assistance services to help you when your vehicle breaks down.

Can I choose between personal and vehicle breakdown cover?

Yes, you can choose personal breakdown cover for individuals or vehicle breakdown cover that covers specific cars regardless of the driver.

Are there different levels of coverage available?

Yes, RAC offers various levels of coverage, including roadside assistance, at-home cover, vehicle recovery, and onward travel assistance.

Is RAC Breakdown Cover regulated?

Yes, RAC’s services are offered by RAC Motoring Services and RAC Insurance Limited, which are regulated by financial authorities in the UK.

Why should I consider RAC Breakdown Cover?

RAC Breakdown Cover provides peace of mind, financial savings, and comprehensive coverage for various breakdown scenarios while ensuring you are never left stranded.

Disclaimer: This blog post is for informational purposes only and should not be considered legal or financial advice. Always consult with a qualified professional before making any insurance decisions to ensure you are choosing the right coverage for your specific needs.