Truck Breakdown Insurance

Assistance from the RAC when you need it with our truck breakdown insurance, rescue, and recovery services.

  • Expect instant, reliable, and flexible cover.
  • 24 hours a day, 365 days a year.
  • UK based support

Call us on 03448 921 434 or get a quote online

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If you need additional assistance arranging your insurance, find out how our teams can support

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Why choose truck breakdown insurance with Towergate?


Reliable recovery service

UK roadside truck recovery service to repair your vehicle in the event of a breakdown.


Immediate truck breakdown insurance

We can arrange cover from the very moment that you need it.


Day and night assistance

Comprehensive truck breakdown insurance, 24 hours a day, 365 days a year.


Flexible truck breakdown insurance

For vehicles from 3.5t - 44t, including trailers for articulated vehicles.

About truck breakdown insurance


Truck breakdown rescue service

We have teamed up with RAC to provide you with a truck breakdown insurance rescue service designed specifically for owners and operators of vehicles from 3.5t - 44t. A dedicated truck breakdown management team are available whenever you need them - 24 hours a day, 365 days a year. So, you can be confident your breakdown will be handled quickly and efficiently.


Comprehensive truck breakdown cover

RAC Truck Rescue offers comprehensive cover for when your truck or HGV breaks down. They will manage the whole process for you, from initial call, through to roadside repair or recovery completion. This way, you can focus on running your business while we’re protecting it. Cover can also be extended to fit your business needs, if you need recovery beyond your standard truck breakdown insurance policy limit.


Roadside truck repair

We know that when your truck is out of service, you’re closed for business, so aim to get to you quickly. Day or night, weekday or weekend, with your policy the RAC will be there for you whenever you need help. Our roadside truck breakdown insurance recovery service sees specialist contractors or patrols deployed to you to repair mechanical or electrical faults. This minimises vehicle downtime, getting your truck back on the road quickly and safely.


Truck breakdown insurance recovery

Your cover includes a truck breakdown recovery service. If your truck cannot be fixed at the roadside, it will be recovered to a destination of your choice within a 40, 100 or 200-mile radius of where your truck breaks down (depending on your cover). Speak to one of our ‘buy-right’ experts to be advised on what you need and why you need it. They can tailor a truck breakdown insurance policy that fits your business’ specific needs.

When you need to make a claim, we'll guide you through the process and get your claim settled as quickly as possible.

  • Find your insurance documents and make sure you have all your information at hand, including your policy number.
  • Call the claims team on 03448 921 434 and explain exactly what happened.
  • Provide photos if requested to help us understand what happened as quickly as we can.
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Ready to get covered?

  • Fill in our online quote form or call us
  • Purchase your policy
  • Relax - You're covered!
Get a Quote

Truck breakdown insurance FAQs

Yes, trucks up to 44t gross vehicle weight can be covered.

Cover applies to vehicles that are at least one mile away from where the vehicle is normally stored overnight. Breakdowns on your own premises are not covered.

Subject to acceptance, full details of premium instalment plans will be provided when you get your quote, together with the relevant charges.

Cover is provided for recovery to a single destination of your choice, up to the mileage as shown on your schedule if the RAC cannot repair the vehicle at the roadside.

If it’s just the trailer that’s broken down, RAC will only attend at the roadside and attempt a repair. No other benefits of the truck breakdown insurance policy are available

All cover is subject to the insurer's policy wording. Policies do not cover vehicle not declared and accepted in advance to the insurer. Vehicle recovery is subject to a mileage radius limit.

Read more FAQs

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