Frequently asked questions
Your insurance schedule shows the level of Road Rescue cover that applies to each vehicle.
The cover is for the vehicle(s) registered on the insurance policy.
We’re able to provide breakdown cover for vehicles and trailers up to 5.5m long, including caravans and motorhomes.
The same restrictions apply to any existing RAC breakdown cover you already have. Vehicles must be up to 3.5t weight & 5.5m long. These restrictions also apply to any trailer (not combined weight and length).
The temporary enhanced cover does not include ‘onward travel’ cover. However you will still have access to a small hire car for up to 48 hours, if repairs cannot be completed on the same day and recovery to a garage within 20 miles of breakdown, if repairs cannot be completed at the roadside.
However, if you have paid for the ‘National Assist’ cover or ‘National plus Home Assist’ cover then you will receive ‘onward travel’ support.
If you have upgraded to ‘National Assist’ or ‘National plus Home Assist’ you already benefit from 12 months of cover, giving peace of mind that you’re covered throughout the year, should you need it.
Customers who have already paid for a higher level of cover are entitled to additional services over and above the temporary cover extension being offered. There is also the option of hire car, alternative travel or overnight accommodation for driver and passengers should your vehicle need a longer fix (up to £500 covered), in addition to the cover being temporarily provided to other customers.
- For car insurance customers: £19.99 for 12 months
- For light commercial vehicle owners with Light Goods Vehicle policy: £49.00 for 12 months
- For car insurance customers: £34.99 for 12 months
- For light commercial vehicle owners with Light Goods Vehicle policy: £79.00 for 12 months
You can purchase or upgrade your current breakdown cover at any time by contacting your local NFU Mutual office or Mutual Direct. If your insurance policy has started, you can add, or upgrade breakdown cover for the remaining term of your insurance and pay a pro-rata fee which would be spread across the remaining monthly payments (if you pay monthly) or added to annual cost (if you pay annually). You can also add, or upgrade breakdown cover at renewal.
If you have already broken down and need to add or upgrade your current breakdown cover, you will be charged for assistance by RAC when you call them (i.e. pay on use).
If you're in need of breakdown services, you can contact the RAC on 0800 282 652
The following vehicles aren't included in this offer, due to the specialist breakdown cover they require, however, we may be able to provide separate breakdown cover for these vehicles. If you'd like more information on this, then please contact us.
- Private and Commercial Vehicles over 3.5t and over 5.5m long
- Horse & Livestock Trailers and mechanised Horseboxes
- Agricultural Vehicles, incl. Tractors
- Motorcycles (unfortunately we cannot provide breakdown cover for these vehicles at this time)