Key points:
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About RAC Motoring Services
The RAC is one of the two largest breakdown cover providers in the UK by membership and patrol numbers. Breakdown cover is provided by RAC Motoring Services, a private unlimited company registered in England and Wales with company number 01424399. The registered office is RAC House, Brockhurst Crescent, Walsall, WS5 4AW. The firm is authorised and regulated by the Financial Conduct Authority in respect of insurance mediation activities under firm reference number 310208, verifiable on the FCA register. The compliance statement on the RAC's own website also confirms these regulatory details.
Key Facts table
| Field | Detail | Source |
|---|---|---|
| Legal entity | RAC Motoring Services | Companies House |
| Regulator | Financial Conduct Authority (FCA). FRN: 310208 | RAC compliance statement |
| Company number | 01424399 (private unlimited company) | Companies House |
| Registered office | RAC House, Brockhurst Crescent, Walsall, WS5 4AW | Companies House |
| Cover tiers | Basic, Standard, Extra, Complete | RAC website |
| Published monthly 'from' prices (at least 10% of new customers, single-vehicle) | Basic £5.29; Standard £8.09; Extra £8.09; Complete £10.69 | RAC website |
| EV cover | Included in all tiers | RAC website |
Breakdown cover tiers explained
The RAC publishes four distinct vehicle-based tiers, each with a different combination of features and a different 'from' price.
The Basic tier is the entry level, providing 24/7 roadside assistance with 5 call-outs per year and recovery of up to 10 miles if the vehicle cannot be repaired on the spot. EV battery diagnosis and charging assistance is included. There is no at-home cover and no national recovery. This is a roadside-only product with a limited call-out allowance.
The Standard tier also provides 5 call-outs and adds national recovery, meaning the vehicle and occupants can be transported anywhere in the UK. However, national recovery under the Standard tier activates only after 24 hours, not on the day of the breakdown. At-home cover is not included. The Standard tier is priced at the same 'from' figure as the Extra tier (£8.09 per month), making the choice between them a question of features rather than headline price.
The Extra tier moves to unlimited call-outs and adds at-home cover, so breakdowns at or near the home address are included. National recovery is also included, again from the next day. The 'from' price matches the Standard tier at £8.09 per month for new customers (10% basis), making the Extra tier notably more feature-rich for the same headline entry price.
The Complete tier adds onward travel benefits to the features in the Extra tier, enabling the policyholder to arrange a hire car, hotel, or alternative transport if the vehicle cannot be repaired the same day. The 'from' price for the Complete tier is £10.69 per month.
Pricing structure
All four 'from' prices are described as those paid by at least 10% of new customers for single-vehicle cover. The majority of new customers will pay more than these figures. Promotional discounts of up to 33% were being offered as of June 2026 for new Standard cover customers; these are time-limited and apply to the first policy year only. Annual payment options are available and are typically lower in total than 12 monthly premiums. New-customer discounts are likely to result in higher renewal prices.
The RAC does not distinguish between petrol, diesel, and electric vehicle pricing in its published tier structure; EV cover is described as included across all tiers. Personalised quotes are required to obtain an actual price for a specific vehicle and policyholder combination.
The RAC patrol and recovery network
The RAC employs its own patrols but also uses a network of contracted garages and recovery operators for some callouts, particularly for vehicle recovery over longer distances. For roadside repairs, response may come from an RAC employee or a contractor depending on location and availability. Policyholders who want to understand the deployment model for their area should check with the RAC directly.
Personal cover and multi-vehicle options
Personal cover is available from the RAC, enabling the named policyholder to be covered in any vehicle rather than a specific registered vehicle. This option is suited to those who drive more than one car, borrow vehicles, or travel frequently as a passenger. Multicar cover is also available for households with more than one vehicle. Cover for caravans, motorhomes, and motorbikes is available as specialist products.
For a broader comparison of cover options and providers across the UK breakdown market, see the breakdown cover UK 2026 hub. For an understanding of exactly what different levels of cover include in practice, see the guide on what breakdown cover actually includes.
This page is for editorial and informational purposes only and does not constitute financial or insurance advice. Breakdown cover prices are personalised and change frequently; the 'from' figures above are based on a percentile of new customer sales at a specific date and are not a guaranteed quote for any individual. Always verify current pricing, cover levels, and terms directly with RAC and confirm the firm's authorisation status on the FCA register at register.fca.org.uk before purchasing.
Frequently asked questions
What legal entity provides RAC breakdown cover?
Breakdown cover is provided by RAC Motoring Services, company number 01424399, a private unlimited company registered in England and Wales, authorised and regulated by the Financial Conduct Authority under FRN 310208. The registered office is RAC House, Brockhurst Crescent, Walsall, WS5 4AW.
What is the cheapest RAC breakdown cover tier?
The RAC Basic tier starts from £5.29 per month for at least 10% of new single-vehicle customers. This tier provides 5 call-outs per year and roadside assistance with up to 10 miles of recovery, but does not include at-home cover or national recovery.
Does RAC breakdown cover include at-home cover?
At-home cover is included in the Extra and Complete tiers. It is not included in the Basic or Standard tiers. Policyholders who need at-home cover must select Extra or Complete, or add it separately if the RAC offers that option.
Does RAC cover electric vehicles?
The RAC includes EV cover across all published tiers, incorporating specialist support for EV battery diagnosis and charging-related breakdowns.
What is the difference between RAC Standard and Extra?
Both Standard and Extra have the same published 'from' price of £8.09 per month (10% of new customers). The key differences are: Standard provides 5 call-outs without at-home cover; Extra provides unlimited call-outs with at-home cover. Both include national recovery, which activates from the next day if the vehicle cannot be repaired at the roadside.
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