Breakdown Insurance

Most policies start on the same day. However, it may take up to 48 hours (on business days) for RAC activation.

Cover may take longer to start over weekends or public holidays.

Breakdown cover doesn’t apply to:

• Pre-existing breakdowns
• Road traffic collisions
• Parts or components
• Repeat faults from temporary repairs
• Non-roadworthy vehicles or excluded usage types

Refer to your policy wording for a full list of exclusions.

The vehicle must not be more than:

• Type of Vehicle Gross: Vehicle Mass
• Car and Light Commercial Vehicle: 3,500 Kgs
• Motorcycle: 410 Kgs
• Minibus: 5,000 Kgs
• Motorhome: 7,500 Kgs
• Horsebox and Trailer, Specialist Vehicle, Heavy Commercial Vehicle and PSV/Coach: 44,000 Kgs
• Motorcycles under 49cc or mobility scooters are not covered.
• If a caravan or trailer breaks down in the UK, RAC will only attend at the roadside and attempt a repair. No other benefits of the policy are available.
• If the vehicle breaks down while towing a caravan or trailer and RAC provide recovery, the caravan or trailer will be recovered with the vehicle (excluding any horse trailer which is being operated under a standard or international operator’s licence or requires to be towed by a vehicle more than 3.5 tonnes GVM) to a single destination.
• If the breakdown is as a result of a tyre fault and a spare wheel or the manufacturer’s repair equipment is not being carried or a key related claim, we will only tow you 10 miles.
• There are limits on the amount of cover per section. Please see your terms and conditions.
• European Breakdown is limited to journeys up to 90 days for any one trip (with an overall limit of £2,500 per claim or £5,000 if the vehicle is a motorhome more than 3,500Kgs GVM).

For more information please view the policy document here.

You are covered in England, Scotland, Wales, Northern Ireland, the Channel Islands and the Isle of Man.

If you have purchased European Motoring Assistance the following mainland countries are included: Albania, Andorra, Armenia, Austria, Azerbaijan, Belarus, Belgium, Bosnia Herzegovina, Bulgaria, Croatia, Cyprus (South), Czech Republic, Denmark, Estonia, Finland, France, Georgia, Germany, Gibraltar, Greece, Hungary, Iceland, Italy, Kosovo, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Malta, Moldova, Monaco, Montenegro, Netherlands, Norway, Poland, Portugal, Republic of Ireland, Romania, Russian mainland (west of Urals), San Marino, Serbia, Slovakia, Slovenia, Spain (excluding the Canary Islands, Ceuta and Melilla), Sweden, Switzerland, Turkey (in Europe) plus Uskudar, Ukraine, Vatican City and any offshore islands of the above in the Mediterranean Sea.

You must:

• Provide accurate answers during the quote
• Notify us of any changes to your vehicle or address
• Keep your vehicle roadworthy

Follow RAC instructions and comply with policy conditions

Roadside cover begins on the policy start date shown in your schedule. Optional extras start 24 hours later.

Cover ends on the policy expiry date or if your associated motor policy is cancelled.

Yes. Contact your local branch (Monday to Friday, 9 am to 5 pm):

• Jersey: 01534 500500
• Guernsey & Alderney: 01481 241555
• Isle of Man: 01624 631631
• Email: personal@rossboroughgroup.co.uk

Call your insurers using the number provided in your policy documents.

If you can’t reach them, our claims team is here to help (Monday to Friday, 9 am to 5 pm):

• Jersey: 01534 500500
• Guernsey & Alderney: 01481 241555
• Isle of Man: 01624 631631
• Email: claims@rossboroughgroup.co.uk