Breakdown Insurance
RAC Breakdown Insurance from only £44.00!
This Policy Summary does not describe all the terms and conditions of your policy, so please take time to read the Policy document to make sure you understand the cover it provides.
Policy Provider
Recovery and At Home products are provided by RAC Motoring Services. MMA European Motor Breakdown is underwritten by RAC Insurance Limited.
Type of insurance and cover
Depending on the level of cover purchased you may be entitled to some or all of the different types of cover, which are summarised below with the lowest level of cover shown first: your insurance intermediary and/or motor insurance policy documents will tell you which level of cover you have been offered. This Policy is a vehicle based policy which means that it is the vehicle (and its driver and occupants) which is entitled to the level of cover shown at the time of a breakdown.
- Roadside and Recovery
- Roadside, Recovery and At Home
- Roadside, Recovery, At Home and European
Significant features and benefits of the policy
This section outlines the main features and benefits of cover
| BENEFIT | LIMITATION |
| Roadside and Recovery | Roadside assistance 1/4 mile or more away from your home address for up to 8 people and your vehicle to any single destination. |
| Roadside, Recovery and At Home | As per Recovery plus breakdown assistance at your home or within 1/4 mile of home address. |
| Roadside, Recovery and European | In the event of a breakdown of your vehicle on its way to a destination abroad, or whilst At Home and abroad, your vehicle will be fixed at the roadside by a contractor or recovered to a local garage for repair or, if this is not possible, overnight accommodation or an alternative form of transport will be provided. |
Significant and unusual exclusions or limitations of the policy
This section outlines the main exclusions, limitations and conditions of cover. Please also read the general exclusions to your cover on and the vehicle specifications to which cover is applicable.
Service in the UK
The following are not covered by this policy
- Missing or broken keys. We will try to arrange the services of a locksmith but you will have to pay for them.
- The cost of spares, petrol, oil or other materials and garage labour.
- The cost of ferry crossings and road toll charges.
- Contaminated fuel problems. We will arrange for You to be taken to a local garage for assistance, but You will have to pay for the work carried out.
- Labour at any garage to which the vehicle is taken.
- The recovery of your motor vehicle if it is stuck in water, a bog, a ditch, or on a beach or it has been
- overturned (unless this forms part of your motor insurance claim).
- The carriage of any livestock which require special transportation facilities.
Service Whilst Abroad
| BENEFIT | LIMITATION |
| Spare parts dispatch | |
| Additional accommodation expenses | £30 per person per day |
| Journey continuation or return home | Maximum of 14 days car hire or second class rail fare |
| Replacement driver | |
| Vehicle break in, emergency repair | £175 and only the benefits listed |
| Accidental damage to or loss of tent | £30 per person per day |
| Urgent message relay service | |
| Vehicle repatriation to United Kingdom | Limited to the value of the vehicle being UK glasses guide |
| Customs claims indemnity |
Service after return home
| BENEFIT | LIMITATION |
| Collections of vehicle left abroad for repair | £600 |
Duration of Policy
Subject to your rights to cancel, the Policy will remain in force for 12 months from the date of commencement, which unless otherwise agreed is 12 months form the date of payment for this Policy.
How to cancel your Policy
You are entitled to cancel your policy within 14 days from the date of purchase of the contract or the date on which you receive your policy documentation, whichever is the later. We reserve the right to make a charge to cover our costs if you have used the service during this period and then exercise your right to cancel. We will offset the cost of providing the service against any monies owed to you. The average cost for RAC providing roadside assistance only is £85.
What to do if you breakdown
To use the breakdown services call the following numbers as appropriate.
| COUNTRY | NUMBER |
| UK | 0800 068 3489 |
| France & Monaco | 0800 290 112 (freephone within France and
Monaco only) 0472 43 52 55 (pay call). |
| Republic of Ireland | 1 800 535 005 (freephone) |
| Rest of Europe | 00 33 472 43 52 55 (pay call) |
| Macedonia | 99 33 472 43 52 55 (pay call) |
| Serbia and Montenegro | 99 33 472 43 52 55 (pay call) |
| Armenia, Azerbaijan, Belarus,Georgia, Lithuania, Moldova, Russia, Ukraine | 810 33 472 43 52 55 (pay call) |
Prices
| COVER | PREMIUM |
| Roadside Recovery | £44.00 |
| Home Start | £78.00 |
| European | £125.00 |
