RAC Breakdown Cover Review

As a Company, the RAC have been around for so long that even my grandmother can remember them and she is in her 80’s! The fact that this company that deals in breakdown cover is still around today is testament to the fact that they know what they are doing. If you ask anyone about the RAC they will know who you are talking about and will more than likely have an insurance policy with them or know someone who does. When you are in a position to start looking for breakdown cover, you will need to know that the company you choose is reliable and will be around for the duration of your breakdown cover policy. You will have no such problems with the RAC.

So, let’s deal with what the RAC actually offer when it comes to breakdown cover. At the moment, if you look at their website, you will find that they currently have a spring offer. If you are new to the RAC and join up throughout spring you will be offered additional savings and they can give you a breakdown cover policy for as little as £29.99….this is some mean feat; there are not many other companies out there that can boast this sort of price.

It’s worth remembering here that the larger the company the more they can offer you in terms of service and affordability. The RAC are, quite simply HUGE…they have a network of branches right across the UK and when it comes to roadside assistance, they have mechanics that can be with you in as little as 40 minutes, for you ladies out there, don’t worry, the RAC will give you priority when you call them, especially if you are out on the road alone.

Incidentally, it doesn’t matter where you are in the UK, the RAC will stick to this time limit even if you have ended up in the middle of a field due to a tyre blowing out! For the people that like statistics that are reading this article, the RAC has approximately 2,000 mechanics out on the road 365 days a year 24 hours a day. As a company the RAC can boast that they have over 100 years experience in the breakdown cover arena.

Breakdown Cover that the RAC offer

  • You (something that many companies overlook) and your car.
  • Owners of motorbikes and 4×4’s can take out breakdown cover with the RAC as standard…lot’s of the major breakdown cover companies require you to take out specialist breakdown cover if you have a 4×4 or motorbike, the RAC see no reason why this should not come as standard.
  • You can have up to 5 callouts per year under your breakdown cover policy and if you have additional vehicles attached to your policy this number will raise. Unless you have a complete old banger that breaks down the minute you pull out of your driveway, it’s unlikely that you will need to make this many callouts in one year.
  • One important thing to note here is that many other companies that offer breakdown cover will charge you in addition to the premium you pay for any parts or labour that is required if you need roadside assistance. With the RAC you only pay for the part itself, the mechanics time is part of your breakdown cover.
  • When it comes to paying for your breakdown cover, you will be able to pay either monthly or annually. This is a great idea for those of you that would rather just get the whole thing paid for in one go and not have to worry about it again until it’s time for you to renew your breakdown cover.

Other Options the RAC offer with Breakdown Cover

Again, I cannot stress enough that you can get breakdown cover from the RAC for as little as £29.99 per month at the moment….get in their fast; this offer will not be there forever!

  • Nationwide Recovery – This means that no matter where you are in the UK, the RAC will transport your car to your home or another address. This can include you as the driver and up to 7 people travelling with you (for those of you that own 2 seat sports cars or minis, this will not be a problem you are likely to encounter). If you happen to get ill when you are travelling and can no longer drive your car and do not have any passengers that can take over then the RAC will come and rescue you.
  • From Home – With the standard breakdown cover from the RAC you will not be covered for any issues that arise within a quarter of a mile from your home address, you can opt to take out breakdown cover with them which will cover this. So, if you get up one morning and your car won’t start or it just gives up on you as you pull out on to the main road, the RAC will send a mechanic to help you out.
  • Onward Travel – This is also an optional extra and this will come into play when your car or motorbike cannot be repaired on the roadside. You can get a courtesy vehicle for up to 3 days whilst you own vehicle is being repaired…age limits apply here so make sure you check this out first. If you need to use public transport and incur a cost because of this the RAC will reimburse you up to £150 or £500 if you are a group of people travelling. Bear in mind that this breakdown cover extra does also include air travel. If you need to stay overnight in a bed and breakfast, you will also be reimbursed for the cost, the same amount applies as for public transport costs. If you happen to have a caravan or trailer, the RAC will take this for you, however, be aware that you will need to meet any extra costs for this yourself.

One of the most common problems that occur with cars on the road is that darn battery failing! I myself have been in this situation a couple of times and I’ll be honest with you it’s a right pain in the proverbial! As with other major breakdown cover companies you can become a member with the RAC. If you are a member and your battery does conk out on you the RAC will send a mechanic to replace it for you. All you have to pay for is the battery itself, everything else is covered with your breakdown cover membership.

So, you have had a new battery fitted under the breakdown cover that you have with the RAC, what about the warranty? Well, this is easy, depending on the type of battery you have had replaced the RAC will guarantee it for up to 5 years. There are conditions when it comes to the replacements of batteries simply because it is such a common problem, so make sure you check that this type of breakdown cover is just what you need. One thing to note is that you do not have to be out on the road when your battery fails, if you are at home and find that you need a replacement; the RAC will arrange a time to come out and replace it for you. Once again, be aware that this will only apply if you are a member of the RAC.

Some of you may be people that often travel in your vehicles in Europe; you have not been overlooked when it comes to RAC breakdown cover. There are polices for you too and these cover over 47 different countries throughout Europe. There are 2 types of breakdown cover that you can go for when travelling in Europe – Single Trip or Comprehensive. The benefits you can expect to receive are as follows:

  • Have your car fixed at the roadside or towed to a garage (if on a single trip breakdown cover policy this will only last for 5 days).
  • English speaking mechanics – great idea the RAC – trying to get across to a French speaking mechanic that your battery has died could be a tad difficult if you don’t speak the language.
  • If you are on a single trip breakdown cover policy, you will receive assistance in making it back the UK – again conditions to apply here so ensure that you check them out.
  • If you take out the comprehensive breakdown cover you will receive everything as mentioned above and….
  • Emergency repairs up to the value of £150.
  • If you become ill and cannot drive and do not have a passenger that can take over for you the RAC will provide a driver for you.
  • Help with costs should you need to stay overnight somewhere or need to get back to the UK.

Remember; don’t forget about that spring deal, its well worth taking advantage of!

 

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