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.

03448 921 434

Monday - Friday 8.45am - 5.15pm

Email us for a call back

About Truck Breakdown Insurance


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.

Features of Truck Breakdown Insurance

Standard cover

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.

Truck Breakdown Insurance FAQs


Does your truck breakdown insurance policy cover 44t trucks?


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


If my truck won't start one morning, will the RAC come out and get my truck running again?


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.


Can I pay my truck breakdown insurance premiums in instalments?


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


Can I choose where a broken-down truck will be towed to?


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 a trailer breaks down, will RAC recover the trailer?


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


Are there any exclusions?


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.

How do I make a claim?

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

Relaxed Person Making Claim