How to compare breakdown cover

It’s always a good idea to compare breakdown cover before you buy. Just choosing the cheapest cover is unlikely to give you the cover you need. So it’s best to do your homework to make sure you have complete peace of mind.

Here’s a quick guide to what to look for when comparing breakdown cover:


What’s included as standard?

Checking what’s included as standard is a good place to start when choosing breakdown cover. Some providers include more than others with their entry-level cover.

For example, the RAC includes Roadside Assistance and At Home cover with our entry-level cover. So you won’t need to upgrade to be covered at home.

Here’s a rundown of what you get as standard with the RAC, compared to our competitors.

 
RAC
AA
Green Flag
Roadside Assistance

 

 

 

At Home

 

 
Home Start is an optional extra

 
Rescue Plus and Recovery Plus only

20-mile taxi from the garage  

 

 

How much cover do you need?

Once you know what’s included as standard with your breakdown cover, you can think about how much extra cover you need. As well as your budget, it’s important to consider how you use your car.

To get started, it’s helpful to ask yourself these questions:

  • What would you do if you broke down at home? 

Lots of breakdowns happen at home. And if you’d need help to get going again, it’s worth making sure you buy cover at home. This is also known as ‘home start’.

Most companies make you upgrade to be covered on your driveway. But with the RAC, it’s included as standard. 

  • Do you use your car for short journeys, long journeys or both? 

If you make lots of long journeys, you may also need ‘National Recovery’. That way, if you break down far from home, you can always get to your destination, back home or to any garage, no matter how far away you are. 

With the RAC, National Recovery is included with our Unlimited cover level. With our Standard cover, you’re covered for a 10-mile tow.

  • How would you get around if your car was stuck in the garage?

If you’d need help staying mobile while your vehicle’s being fixed, having ‘Onward Travel’ is also a good idea.

We’ll sort out a hire car for up to 3 days (age and licence restrictions apply). Or if you prefer, we can arrange overnight accommodation or costs towards public transport instead.

  • Do you need any extra cover? 

For extra reassurance, the RAC offers a choice of add-ons. This includes Key Replace, Battery Replace and Tyre Replace.


Compare levels of cover

Levels of breakdown cover vary from provider to provider. But the main features are known as Roadside Assistance, At Home (or ‘Home Start’), National Recovery, and Onward Travel.

Here's our breakdown cover

Standard

5 callouts
Roadside Assistance
At Home
SALE - 39% OFF*

Personal cover - was £11.50 now £7/month

£7 monthly
£77 annual

Unlimited

Unlimited callouts
Roadside Assistance
At Home
National Recovery
SALE - 50% OFF*

Personal cover - was £16.00 now £8/month

£8 monthly
£88 annual

*New, single personal based cover from £7 a month. Max 50% saving with Unlimited cover. Ends 25/04/22, 7am.

Cover to avoid a big bill
from just £3 a month1
Onward Travel
Get a hire car, alternative transport or a hotel while your vehicle is being fixed.
Tyre Replace
Get up to £150 per tyre to repair or replace a damaged or punctured tyre.
Battery Replace
Get a new battery if yours can't be re-charged – a new one costs £160 on average.
Key Replace
Replace lost keys and fobs easily. Without cover, new ones cost £300 on average.

Personal vs vehicle cover

With most providers, breakdown cover can either apply to you or your vehicle. It’s up to you to decide which type of cover works best for you. 

Personal cover 

Personal cover  means you’ll be personally covered if you break down in any vehicle, as a driver or passenger. This type of cover usually costs more than vehicle cover. But it can work out cheaper if you drive more than one vehicle regularly. 

With the RAC, you can cover up to 5 people on a single policy. But with the AA and Green Flag, you can only cover up to 4 people.  


Vehicle cover  

Vehicle cover  means your vehicle is covered no matter who is driving when it breaks down. This usually costs less than personal cover. 


Compare breakdown cover reviews

Obviously, selecting all these options provides the most in depth cover so it's worth looking at any combination of breakdown and compare terms - so what levels of breakdown cover does the RAC offer, in comparison to competitors?

 
RAC AA Green Flag
Trustpilot score (out of 5) 4.2* 4.2** 4.2***

* based on 81,448 reviews, data on 30/03/2022

** based on 25,088 reviews, data on 30/03/2022

*** based on 20,888 reviews, data on 30/03/2022


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