Multi-Car Breakdown Cover

A good option for friends or families with multiple cars

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Multi-car breakdown cover

Multi-car breakdown cover lets you cover more than one vehicle under the same policy. It can be a good option for friends or families with multiple cars registered to the same address, as it can save you time and money compared to taking out separate policies for each vehicle.

With the RAC you can cover up to 3 vehicles on a single policy. Each vehicle will have the same level of cover, and it will be covered no matter who is driving it when it breaks down.

Key points

  • You can cover up to 3 vehicles on the same policy – just choose ‘vehicle cover’ and select the number of vehicles you need to cover
  • The vehicles need to be registered to the same address – but they don’t need to be registered to the same owner
  • Each vehicle will have the same level of cover

What’s included in multi-car breakdown cover?

With the RAC you have two levels of cover to choose from: Standard and Unlimited. Exactly what’s included depends on which cover level you choose – but it’s good to know that you always get Roadside Assistance and At Home cover. You can also add optional extras, such as Onward Travel.

The level of cover you choose will apply to every vehicle named on your policy. So it’s important to think about how much cover you’re going to need.


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.

Battery Replace

Get a new battery if yours can’t be recharged – a new one costs £160 on average.

Tyre Replace

Get up to £150 per tyre to repair or replace a damaged or punctured tyre.

Key Replace

Replace lost keys and fobs easily. Without cover, new ones cost £300 on average.

How to get multi-car breakdown cover

When you buy breakdown cover from the RAC, you’ll be asked which type of cover you’d like. To cover multiple vehicles, just choose ‘vehicle cover’ and select the number of vehicles you need to cover. 

Then you can select the level of cover you need. We offer two levels of cover: Standard or Unlimited. Every vehicle on your policy will have the same level of cover. 

Ready to get started? Get a quote for multi-car breakdown cover.


Q. Am I covered in a different vehicle?

That depends on the type of cover you choose. 

  • With vehicle cover, only the specific vehicles named on your policy will be covered in the event of a breakdown. Anyone can be driving them at the time. 
  • With personal cover, any person named on your policy will be covered as a driver or passenger in any vehicle if it breaks down 
Q. How many times can I claim on my multi-car breakdown cover?

The number of callouts you have depends on the level of cover you choose.

  • With Standard cover: You’re entitled to 5 callouts a year for 1 vehicle, with an extra callout for each additional vehicle you add, up to a limit of 3 vehicles and 7 callouts.
  • With Unlimited cover: You have unlimited callouts for each vehicle on your policy – as long as it’s not for a recurring problem.
Q. Am I covered in the event of an accident?

Accident Care is included as a benefit at no additional charge. If you’re in a road traffic accident or collision, we may be able to help with post-accident assistance. Just call us on 0333 2000 999 and we can help with recovery advice. We can also seek to recoup the cost of recovery from your insurer/3rd party insurer. You may be asked to pay if this isn’t possible.

Q. Can I pay monthly for multi-car breakdown cover?
Yes, you can pay monthly for multi-car breakdown cover, rather than making a one-off payment. All you need to do is select the right option for you when buying your breakdown cover. 

Find out more

Find all the information you need to have a better understanding of the different levels of cover that the RAC have on offer


Many vehicle breakdowns happen at home - but with RAC At Home Cover you can get on with your day quickly again.


If your vehicle breaks down miles away from home, National Recovery cover from the RAC could prove invaluable - find out more here


If your vehicle cannot be fixed at the side of the road, our vehicle recovery service will transport it to either a garage or back to your home address


If your vehicle can't be fixed in the same day after a breakdown, RAC's onward travel product helps you to make alternative travel plans to continue your journey.


Vehicle Breakdown Cover can be a great value option if you’re looking for cheap breakdown cover - this guide from the RAC looks at the benefits of it.


Personal Breakdown Cover can give you peace of mind in whatever vehicle you’re driving or travelling in as a passenger, as this guide from the RAC explains.


Family breakdown cover provides vehicle cover for several members of your family within a joint policy.


Find out more about our offering for electric and hybrid vehicles here.

Compare breakdown

Compare breakdown cover from the RAC and other providers to help you understand the differences in service, coverage, optional extras and reliability.


This guide compares the RAC, one of the UK’s major breakdown cover companies, with AA, to see how it compares for level of cover, pricing and customer reviews.


This guide compares the RAC, one of the UK’s major breakdown cover companies, with Green Flag, to see how it compares for level of cover, pricing and customer reviews.


The RAC and Rescuemycar are both UK car breakdown providers, but how do their levels of cover, prices and customer reviews compare?


The RAC is one of the UK’s leading providers of breakdown cover and vehicle recovery, but how does it compare to StartRescue?


This guide compares the RAC, one of the UK’s major breakdown cover companies, with Emergency Assist, to see how it compares for level of cover and pricing.


How does the RAC compare with Direct Line, when it comes to providing breakdown cover services? This guide takes a look at prices, level of cover and customer reviews.


If you’re searching for the best breakdown cover deal, using a comparison service can really help - here are some useful tips to consider before you start your search.

Additional cover

Our breakdown patrol will know you're a blue badge holder before they reach you.


Keep your business moving with tailored breakdown assistance for 1 to 100+ vehicles.


The Camping and Caravanning Club's breakdown and recovery scheme provided by RAC.


RAC European Breakdown Cover provides you with peace of mind and comprehensive single-trip or annual cover you can rely on during your holidays.


Punctures, battery problems, non-starts and cut-outs are all covered. We'll even come out if you run out of fuel.


Put the wrong fuel in your car? Don't panic. Call us now for our Fuel Drain Service.

Driving hints and tips

Before buying breakdown cover, it’s useful to read reviews. Check out the RAC’s score on Trustpilot.


Find the answers to a range of breakdown related question covering both UK, European and Business Breakdown cover


Not sure what that light on your dashboard means? View our guide and easily identify what that warning light means


More and more new cars are being built without space for a spare wheel. Find out how we have used innovation to overcome this problem


* Gift Card terms and conditions

  • You'll receive a how to claim email within 45 days of your policy starting, containing details on how to claim your Gift Card*, provided we've received full payment and you haven't cancelled your cover within the first 30 days.
  • You must click the link in this email to complete your claim form within 30 days, otherwise the link will expire and it cannot be reissued. 
  • An Gift Card* is available to new customers purchasing Standard, Standard & Onward travel add on, Unlimited or Unlimited cover & Onward Travel add on either monthly or annual payment. 
  • £50 Gift Card* applicable to combination of Unlimited cover & Onward Travel add on.
  • £20 Gift Card* applicable to Unlimited cover level.
  • £10 Gift Card* applicable to combination of Standard cover & Onward Travel add on.
  • £10 Gift Card* applicable to Standard cover levels.
  • You must purchase direct from the RAC by 13th April, 7am.
  • This offer is limited to one Gift Card* per policy (£50, £20 or £10).
  • Not available to members amending or renewing an existing policy or on purchases during a breakdown situation.
  • Excludes RAC Response (Blue Badge membership).
  • No cash or other alternatives available.
  • This offer is fulfilled and managed on behalf of RAC by a third party: Marketing Lounge Partnership Limited (“MLP”), The Cow Shed, Walnut Tree Farm, Stretton, WA4 4PG.
  • The RAC will share your name and contact information with MLP to enable them to send your reward email and issue the reward. MLP acts as a data processor on behalf of the RAC and will not use your data for any other purpose. MLP will delete your personal data within 12 months of the end of the promotion.  For more information about RAC’s use of your personal data, please visit
  • This offer is fulfilled online. The reward will be sent via email therefore a valid email address must be provided at the time of purchasing your RAC breakdown cover.
  • We reserve the right to decline offer claims where payment has not been received or a refund has been given.
  • The Gift Card* will be subject to the issuer's own terms and conditions. It is very important that you read and understand these terms and conditions carefully, the RAC does not accept any liability for the acts or omissions of or of MLP.
  • *Restrictions apply, see

 Payment must be made at the same time, and in the same monthly/annual way, as your breakdown cover. For 1 vehicle only on Battery and Tyre Replace.

Breakdown cover arranged and administered by RAC Financial Services Limited (Registered No 05171817) and provided by RAC Motoring Services (Registered No 01424399) and/or RAC Insurance Ltd (Registered No 2355834). Registered in England and Wales at RAC House, Brockhurst Crescent, Walsall WS5 4AW. RAC Motoring Services and RAC Financial Services Limited are authorised and regulated by the Financial Conduct Authority. RAC Insurance Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

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