RAC Breakdown Cover

Standard cover levels include all vehicles below 3.5T, motorhomes, minibuses, and horseboxes. Standard cover level policies include unlimited call outs.

Specialist cover levels include HGV / truck, PSV / coach, specialist vehicles (such as hearses) and agricultural vehicles. Specialist vehicle policies are capped at 4 call outs per vehicle.

Under RAC’s misfuel rescue, the RAC will drain your fuel tank, flush out and add 10 litres of the correct fuel to get you back on the road.

If you would prefer to spread the cost of your car insurance policy, you have the option of setting up a Direct Debit to pay your premium in equal monthly instalments through our preferred provider, Premium Credit Limited (PCL).

To find out more about PCL and direct debit payments, select Direct Debit.

To understand more about how PCL work together with Towergate, please read our Regulatory Information.

This is the first part of each claim which you (not your insurer) must pay. There are two types of excess:

Compulsory excess - this is an excess that has been applied as a requirement by your insurer and will vary according to your personal circumstances and the terms of cover provided. A compulsory excess may be required if you drive a particular vehicle or you have inexperienced drivers on your policy. There is also a compulsory excess for fire, theft, windscreen claims or malicious damage.

Voluntary excess - This will apply where you agree with your insurer to pay a greater part of each claim, in addition to your compulsory excess. A voluntary excess can be increased or decreased at your request during your online quotation and it may affect your premium.