Breakdown

Motor Vehicle Breakdown Cover

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Every time you get in a vehicle, you want to go from Point A and make your way to Point B but life isn’t always that simple, especially when motor vehicles are involved! Breakdowns happen all the time and you want to be able to get hold of someone who can get you moving again as quickly as possible.

A&T have partnered with RAC which means that we can offer you quality breakdown cover from the UK's most experienced provider at significantly discounted premiums. RAC are able to fix 4 out of 5 vehicles at the roadside within an average of 30 minutes and with their fleet of 1,600 bright orange vehicles, there will always be an experienced RAC mechanic only a short distance away.

There are five elements of RAC’s Breakdown cover:

Roadside

This is included at all levels and is where RAC will fix your vehicle at the roadside, as long as you’re over ¼ mile away from home.

Recovery

If one of the experienced RAC mechanics can’t fix your vehicle at the roadside, they’ll take you, your passengers and vehicle to your chosen destination in the UK.

At Home

If you are at home and you have an issue with your vehicle, an RAC mechanic will come to your house to try and fix your vehicle.

Onward Travel

If you are on a journey and you suffer vehicle issues that can’t be fixed there and then, RAC will provide a courtesy car, hotel accommodation or alternative transport for you and your passengers.

European 

The European breakdown element is an extension on top of the covers above and provides you with motor breakdown insurance in 48 countries and their offshore islands in continental Europe should you have any trouble with your vehicle whilst abroad.

A wide range of vehicles covered:

The RAC fixes a car every 18 seconds in the UK. With some of their innovative solutions such as the universal spare wheel and their diagnostic equipment, one of the RAC's experienced mechanics will get you back on the road as quickly as possible. 

Click Here to see the important summary of what is and isn't covered under the different cover options.

Cover Level

Annual Price

Roadside, Recovery, At Home, Onward Travel

£56.68

Roadside, Recovery, At Home, Onward Travel, European

£84.88

Click Here to take a look at the Policy Terms & Conditions for more details. All prices are inclusive of Insurance Premium Tax.

Often the owner’s pride and joy, a broken down classic car needs special care and attention. RAC can provide a breakdown policy for these vehicles which includes innovative solutions such as their universal spare wheel carried on all their vans.

Click Here to see the important summary of what is and isn't covered under the different cover options.

Cover

Annual Price

Roadside, Recovery, At Home, Onward Travel

£81.54

Roadside, Recovery, At Home, Onward Travel, European

£97.22

Click Here to take a look at the Policy Terms & Conditions for more details. All prices are inclusive of Insurance Premium Tax.

With many vans used for work, it’s important to keep it running. If your van is under 3.5 tonnes, whether used for work or personal purposes, there is a breakdown solution for you.

Click Here to see the important summary of what is and isn't covered under the different cover options.

Cover

Annual Price

Roadside, Recovery, At Home, Onward Travel

£56.68

Roadside, Recovery, At Home, Onward Travel, European

£84.88

Click Here to take a look at the Policy Terms & Conditions for more details. All prices are inclusive of Insurance Premium Tax.

RAC has an excellent track record of repairing motorbikes at the side of the road . . . even if the problem is that you have run out of fuel.

Click Here to see the important summary of what is and isn't covered under the different cover options.

Cover

Annual Price

Roadside, Recovery, At Home, Onward Travel

£42.41

Roadside, Recovery, At Home, Onward Travel, European

£77.38

Click Here to take a look at the Policy Terms & Conditions for more details. All prices are inclusive of Insurance Premium Tax.

The more time you spend on the road, the more likely you are to have a breakdown. If you are a taxi driver, having your car out of action can be damaging. RAC will do everything they can to ensure your business keeps moving.

Click Here to see the important summary of what is and isn't covered under the different cover options.

Taxi Car

Cover

Annual Price

Roadside, Recovery, At Home, Onward Travel

£120.74

Taxi Minibus

Cover

Annual Price

Roadside, Recovery, At Home, Onward Travel

£159.94

Click Here to take a look at the Policy Terms & Conditions for more details. All prices are inclusive of Insurance Premium Tax.

If you are off the road as a courier can be expensive downtime for you. RAC will try to fix your vehicle at the side of the road but if this isn’t possible, their van-for-van or car-for-car policy means you will have the vehicle you need.

Click Here to see the important summary of what is and isn't covered under the different cover options.

Cover

Annual Price

Roadside, Recovery, At Home, Onward Travel

£114.46

Click Here to take a look at the Policy Terms & Conditions for more details. All prices are inclusive of Insurance Premium Tax.

A minibus breakdown can ultimately affect 16 people and possibly lead to missing an important event. Onward travel included in your minibus breakdown policy could be an important element of your cover.

Click Here to see the important summary of what is and isn't covered under the different cover options.

Cover

Annual Price

Roadside, Recovery, At Home, Onward Travel

£128.58

Roadside, Recovery, At Home, Onward Travel, European

£191.30

Click Here to take a look at the Policy Terms & Conditions for more details. All prices are inclusive of Insurance Premium Tax.

Don’t let a broken down motorhome ruin your holiday! RAC will cover motorhomes or campervans and if they can't fix your vehicle at the side of the road, under the onward travel option, they can help provide an alternative vehicle to help keep your holiday on track while your campervan is being repaired.

Click Here to see the important summary of what is and isn't covered under the different cover options.

Cover

Annual Price

Roadside, Recovery, At Home, Onward Travel

£81.54

Roadside, Recovery, At Home, Onward Travel, European

£105.06

Click Here to take a look at the Policy Terms & Conditions for more details. All prices are inclusive of Insurance Premium Tax.

Motor Breakdown Insurance

If you would like to purchase an RAC breakdown policy, complete the form below with your details and some information on the vehicle you would like to cover and we will contact you shortly to discuss your enquiry.

Please ensure you have read the Important Product Information Document and Policy Terms & Conditions under the relevant vehicle section. 

 

RAC Motor Breakdown Insurance meets the demands and needs of motorists wishing to cover the cost of roadside assistance, vehicle recovery, at home assistance and onward travel following a breakdown subject to the limits detailed in the policy.  Cover can be extended to include European Motoring Assistance.

Alan & Thomas does not provide any advice or personal recommendation as to the suitability of this product for your individual circumstances.  You should read the information contained within the product information documents to ensure the cover meets with your requirements.

Anyone considering this insurance should check that they do not already have breakdown cover, e.g. this could be included with your bank account or when you purchase a new vehicle.

When will the cover start?    

Roadside cover will begin on your chosen start date.  Recovery, At Home and Onward Travel starts 24 hours later.

Cancelling your cover:

You can cancel your policy within the cooling-off period, which is either 14 days from the start date or the date you receive your policy documents, whichever is later.  A full premium refund will be issued when cancelling during this period.

If you cancel after the cooling-off period, we will refund your premium, less an amount to reflect the time you have already been covered.

You will not receive any refund if you have made a claim since the start of your policy.