RAC European Breakdown Cover Guide

RAC European Breakdown Cover comes with two price options – cover for trips of up to five days or comprehensive cover for a longer time overseas.

Both options come with the backing of one of the world’s leading motoring organisations.

Formed in 1897 and with 7 million members, the business was recently sold for around £1 billion.

In 2010, the RAC’s 1,800 patrol fleet helped 2.5 million motorists involved in breakdowns or accidents.

RAC European Breakdown Cover is standalone fixed price assistance, drivers do not need to buy UK cover as well.

The vehicle covered must be roadworthy, and free from any defects with an up to date service record.


The RAC has developed from a motoring club in to a patrol force specialising in breakdown repair and vehicle recovery. Other services include motor-related legal advice and claims management.


RAC European Breakdown Cover is personal cover for a motorist driving any vehicle less than six years old at the start of the journey.

Customer service

The RAC European Breakdown Service is provided by English speaking agents, not directly by the RAC via two call centres on the Continent.

RAC European Cover Options

The RAC offers motorists two overseas breakdown cover options – one for short trips and the other for unlimited trips in the period of cover lasting up to 90 days each. Check out the comprehensive package if the plan is to take two short trips in a year – the package can work out cheaper:

Basic European Breakdown Cover

  • For single trips up to five days
  • Europe roadside assistance up to £300
  • Spare part despatch
  • Vehicle repatriation – with £250 excess
  • Passenger repatriation
  • Motoring legal expenses – Up to £50,000

Comprehensive European Breakdown Cover

  • For single trips of more than five days or annual cover
  • UK roadside assistance and recovery – Cover up to £300. Incidents within a quarter of a mile from home are excluded – and assistance is only offered if trips have started or up to a maximum of 48 hours prior to any ferry/tunnel crossing.
  • Temporary car replacement on the way to port – £40 per day up to £1,500
  • Europe roadside assistance up to £300
  • Spare part despatch
  • Overnight accommodation – £40 a day up to £400
  • Replacement driver
  • Journey continuation – £40 a day up to £1,500
  • Vehicle repatriation – with £250 excess
  • Passenger repatriation
  • Collection of vehicle from overseas – Up to £500
  • Motoring legal expenses – Up to £50,000

Countries covered:

Both RAC European Breakdown Cover packages are available in both zones.

Republic of Ireland – For trips to the Republic of Ireland only

Zone 1

Covers the countries below plus the Republic of Ireland:

Andorra, Austria, Belgium, Denmark, Finland, France, Germany, Gibraltar, Italy, Liechtenstein, Luxembourg, Monaco, Netherlands, Norway, Portugal, San Marino, Spain, Sweden, Switzerland and the offshore islands of all the countries within the zone.

Zone 2

This zone covers the Republic of Ireland, all Zone 1 countries plus:

Albania, Armenia, Azerbaijan, Belarus, Bosnia Herzegovina, Bulgaria, Croatia, Cyprus, Czech Republic, Estonia, Georgia, Greece, Hungary, Latvia, Lithuania, Macedonia, Malta, Moldova, Montenegro, Poland, Romania, Russian mainland (west of Urals), Serbia, Slovakian Republic, Slovenia, Turkey, Ukraine

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