Write a review

RAC: Breakdown Cover reviews

Name: Breakdown Cover
Rating: 1.74 (155 reviews)

View other RAC products

1.36

Based on 155 reviews, last reviewed 2nd May 2025

No new 5 star reviews

in the past 90 days

117% increase in 1 star reviews

in the past 90 days

13%

78%

Latest highest rating:

4

Brilliant There is a discount on brake down cover at min...brilliant for money. Reviewed on: 24th August 2024

Latest lowest rating:

1

AWFUL CUSTOMER SERVICE!! Avoid AVOID! Awful Customer Service I installed new front brake disks and brake pads. The disks were warped and they were causing the car to vibrate when braking a... Read more Reviewed on: 2nd May 2025

Read all reviews See your review

About this product

Like many drivers, breaking down is not something we want to think about! But when it happens, You'll be thankful that you're with a good breakdown cover provider. That's were our RAC breakdown cover reviews come in. You can read and write YOUR RAC Breakdown cover reviews. We started Smart Money People to help drivers like you to find the best breakdown cover based on our honest reviews. Together, we can make financial services work better for everyone.

RAC Breakdown Cover reviews (155)

Review of the RAC, Breakdown Cover:

Robbing sods

Robbing sods Robbing sods Had rac break down cover for my motorcycle sold my bike so cancelled my cover as it wasn’t needed Got a threatening letter saying if I didn’t pay the cancellation fee with in 7 day of 48 pound it we ours be sent to a recovery agency to get the money So beware if you cancel this will happen Will never use rac again or buy any of there products Reviewed on: 6th October 2023

Inexistent service for comprehensive insurance paid...

Inexistent service for comprehensive insurance paid My car broke down last night at 8.30pm on M6 M482.2. I reported the issue and had police securing my car on the emergency line whilst waiting to get recovered. I had a call from one of the RAC mechanics telling me to drive slowly to the next service station even if my car wasn't drivable...I am on my own, a widow and my dogs trying to reach out home address. After we finally reached the services the mechanic said is a misfire but no problems with sparkplugs or coil pack. He left saying will send another team leaving me in the cold. The next team was booked 4.20 am ...had a recovery truck at 2.30 which takes me only couple miles down to Killington....practically I wasn't 150 miles away from home but still 110...is 5.44 , they promised me a taxi, accommodation over the night, recovery to be taken home...none of this happen. Instead they sent someone to take me only down to Preston...not at home as they should...I slept in the cold all this time with my dogs in my car without being able to turn on the engine as the car is broken down... Reviewed on: 3rd March 2025

not worth one star

Just got my renewal letter for van breakdown cover last year £224 this year £291 a rise of £67 that is a 30% increase for being a loyal customer when inflation is 3% .The RAC are offering this same cover as a special offer today for £133.33 to new customers! I have paid a lot of money to the RAC over the years and never had call them out .After a phone call they reduced it by a few pounds but not enough to make me renew .The RAC should look after loyal customers instead they use them as cash cows Reviewed on: 21st February 2025

RAC Membership Number 200110007211676Well, the lett..

RAC Membership Number 200110007211676 Well, the letter starts off NEXT YEARS Cover – SORTED Sorted for Who? The RAC not for the customer – after not calling them out once they put the price of your cover up from £140.40 to £203.99 an increase of £63.59 ( 31.1731% increase) who’s running this business the Labour party ? When I asked to cancel the policy, they said there is a cancellation fee LOL Then after much protesting stating – since Id been with them never once did, I ask for or need assistance they very kindly knocked off the cancelation fee – is that legal trying to charge this anyway? This is just another giant of a company that offers noting for loyalty no added bonus for not calling them out for a breakdown – nothing – but if I was a brand-new customer, I would get a discounted price – what’s the point of staying with them you might as well switch every year and get a cheaper quote The RAC you SUCK Reviewed on: 5th February 2025

I would give them a ZERO if I can.

I would give them a ZERO if I can. 2024 New Years Eve I was returning back from Scotland to Leicester and the weather was pretty bad, heavy winds and rain 100%. My car started showing warning signs on the dash and the car started slowing down, drove the car until I got to the nearest services at Kendal Southbound which was at around 4.30pm. Took the RAC cover out and called them out for an emergency breakdown. Charged me £199 for the callout. Assuming either they fix the car or take us home. Anyway had no choice as I had young kids with me so I paid it as had to get back home. The RAC Patrol came around 6.45pm and had a look at the car and (THOUGHT) that the turbo has gone. Nothing much was done and no other options available other than towing the car to the nearest garage within the 10 mile radius or quoted me £1500 TO GET THE CAR & PASSENGERS TOWED . Now can someone tell me which garage would be opened at this time on New Yrs Eve to check the car and who in the right fraame of mind would pay £1500 to get the car towed? With not much on the table the guy left. Managed to arrange a breakdown for £500 to get us and the car towed to my home address, which we got home at 5am on New Years Day. All in all £800 went in the bin and no service provided. WHAT A GREAT START TO 2025!!! A COMPLETE WASTE AND A SCAM BUSINESS. DON'T WASTE YOUR MONEY WITH THEM. ABSOLUTELY USELESS. THEY ARE JUST MAKING MONEY, NO EXPERIENCE OF BREAKDOWN AND NO EMPATHY AT ALL. MY 6 YEAR OLD DAUGHTER FELL ILL BECAUSE OF THEIR POOR SERVICE. Reviewed on: 4th January 2025

Terrible it was been with rac for 30 years they sent...

Terrible it was been with rac for 30 years they sent some9ne out with bad attitude refused to help Reviewed on: 8th December 2024

Call Centre staff great. Mechanic not.

The Call Centre staff were lovely. It ends there though. I am disabled, the Breakdown mechanic woukd not listen when I tried to give him directions, it was dark and not on a main road. After getting everything wrong he told me he felt like cancelling the job and going away. He repeatedly spoke over me. Frankly he was sexist. My car yet he treated me like dirt to the point that I had to ask my Husband to talk to him, it was as if I was speaking a foreign language. Because of my medical needs I went home in a taxi. Reviewed on: 6th December 2024

Shocking, Disgusting Service and Unacceptable Treatment

I have had an absolutely appalling experience with RAC and feel compelled to share my ordeal to warn others. On the 1st December 2024, I reported a breakdown at 20:19, expecting the professional and reliable service I had paid for. What followed was over 8 hours plus of waiting in freezing conditions with inconsistent updates, which I had to keep calling in repeatedly myself , lack of empathy, and ultimately being stranded. The estimated arrival times kept shifting—from 21:40-22:40,12:20am-3:20am to an outrageous 7:30am-10:30am. This caused me to miss my hotel booking, as RAC patrol could only take me to only one place either the hotel or back home. Despite explaining to RAC that I needed medication at 22:20 due to a pre-existing condition (which I hadn’t expected to need during a breakdown), their responses were dismissive and unhelpful. When I finally got through to Emily, she suggested I cancel the callout and rebook, which would’ve meant waiting even longer. No solutions were offered for what to do during the long wait, and at one point, I was even told not to call back. By the time help finally arrived at 2:24am, I had endured over 7 hours plus of frustration, freezing cold, and rising stress, which impacted my health as a diabetic with high blood pressure. I could barely feel my feet as it was freezing cold. They sent out an independent breakdown company who found me shivering with cold and reported back to his head office that this call out should’ve been a priority with the state he found me in and especially with my medical condition. To which his office replied back which I heard myself was that it’s not been sent to us as a priority yet stressing numerously to RAC about my medical condition they didn’t really care or pass it on to the company who came to me on there behalf. The saga didn’t end there. Over the following days, communication was a disaster. I was repeatedly told incorrect information, including that my vehicle had been delivered to the garage when it hadn’t. Today being the 4th or December 2024, I was promised a rental vehicle from Enterprise, which I needed urgently due to RAC’s failure to tow my van on the night of the breakdown. I was picked up by the car rental company and as I arrived at Enterprise, they informed me that the rental was for a manual vehicle, despite being given a choice for a manual or an automatic by the RAC representative themselves I opted for an automatic. I contacted RAC to resolve this as being asked by enterprise rentals thinking it was an oversight by them and spoke with a representative named Heather, whose behavior was appalling and humiliating. She accused me—without any evidence—of using my van for business purposes and abruptly canceled the rental vehicle and even refused me my own vehicle back which has been stored by them/their independent contractor due to them not being able to bring it back to bradford as my RAC covers me to be taken anywhere of the time of breakdown if they can’t fix it plus car hire to get me to my destitution for 3 days. Heather also claimed she had accessed my business details and made unwarranted assumptions based on my company being registered to my home address. I explained, repeatedly, that my van is solely for personal use and that my insurance, logbook, and council records permit records all reflect this. Her behavior was utterly unprofessional; she hung up on me, leaving me stranded and embarrassed in front of a room full of people at the Enterprise office including their staff. I had to arrange and pay for an Uber to get home, as neither RAC nor Enterprise offered me any assistance back. This entire experience has been humiliating, distressing, and unacceptable. I am pursuing formal complaints with the Financial Ombudsman and exploring legal options for breach of contract and emotional distress caused by this appalling service. If you’re considering RAC, I urge you to think twice. This experience has left me deeply disappointed and without trust in their services. Reviewed on: 4th December 2024

One star is too much.

One star is too much. Left us for 9+ hours on a cold December night in the middle of no where with no food etc. Ended up getting a private tow who came in 30 mins and was £150. Recovery insurance is the biggest scam. Reviewed on: 1st December 2024

very bad behaviour.

very bad behaviour. poor customer services. people are very rood. Reviewed on: 7th November 2024

If there was a 0 star option I'd pick this.

If there was a 0 star option I'd pick this. I cancelled my home insurance, because I moved house, and they told me the remaining balance would be taken from the details they had on file. I moved house and 3 weeks later I get an email and SMS off CRS debt collectors asking for the money. Why on earth did RAC not contact me directly if they've not managed to take the balance? There was money in the account waiting, and no phone call to say they hadn't managed it, just straight to the debt collectors. I've been an RAC fan for years, but this has turned my opinion into a sour one. I'll be cancelling all my RAC policies now Reviewed on: 30th October 2024

Do you have a different RAC product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Are you a business? Get insights, reply to reviews, invite customers and understand their needs

Alternative products

Caravan Insurance
from The Insurance Emporium 4.91 from 359 reviews
Van Insurance
from Insurd 0.00 from 0 reviews
Motorhome Insurance
from Comfort Insurance 4.93 from 908 reviews

There's still more to see!

RAC has a range of products available. Check the ratings of each product to find the right one for you. View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub