mechanic attending to car breakdown

Comprehensive Breakdown Cover

Breakdown support provided by the RAC

We're committed to keeping you on the road, that's why our car insurance includes RAC breakdown cover as standard.

For our Car Insurance customers, we offer three levels of breakdown cover to best suit your needs. Our basic level of cover is included with all Car Insurance policies and includes accidental mis-fuelling, local recovery and a small hire car for 48 hours.

For extra peace of mind, you can choose to upgrade your breakdown cover to ensure that whenever and wherever you need breakdown support, the RAC will be on hand to get you back on the road.

Upgrade to National plus Home Assist, our highest level of breakdown cover and benefit from key features such as: 

  • Home breakdown assistance - at, or within, 1/4 mile of your home
  • Roadside recovery - if your vehicle cannot be repaired at the roadside, recovery of your vehicle, driver and passengers to any UK destination
  • Exclusive rates for NFU Mutual insurance customers
  • Personal service provided to all our customers by the dedicated NFU Mutual breakdown helpline team.

The table below outlines the current levels of breakdown cover each policy provides and what is included in each level of cover:

  Mutual Assist National Assist National plus Home Assist
Annual cost for Car insurance policy holders Included* as standard in Private Car policies £19.99 £34.99
Annual cost for Light Goods Vehicle insurance policy holders N/A £54.88 £88.48
No call out charge
Unlimited call outs
Local recovery to a garage within 20 miles if the vehicle cannot be repaired at the roadside
Small car hire for 48 hours if the vehicle needs a longer repair and the repair cannot be done on the same day
Accidental mis-fuelling cover
If the vehicle cannot be repaired at the roadside, this provides recovery of the vehicle, driver and passengers to any UK destination   N/A
Option of hire car, alternative travel or overnight accommodation for drivers and passengers should the vehicle need a longer fix N/A
At Home Cover. Assistance at, or within ¼ of a mile of your home N/A N/A

If you have a Light Goods Vehicle policy with us for your Light Commercial Vehicle, then breakdown cover is not automatically included as standard. Please refer to your policy documents to check whether you chose to add National Assist. 

We can explain full details of the cover and what's included. Terms and conditions apply.

Frequently asked questions

Customers can find out exactly what cover they have in the ‘Road Rescue’ section of their latest policy schedule. 

Alternatively, they can call their local agent or Mutual Direct.

If you have a car insurance policy with us, you will have, at a minimum, Mutual Assist breakdown cover which is included as standard on all car policies. Please refer to your policy documents to check whether you chose to add National Assist.  

If you have an LGV insurance policy with us, cover is not included as standard. Please refer to your policy documents to check whether you chose to add National Assist. 

If you’re happy with the level of cover you have right now, you don’t need to do anything. We just hope the extra cover was reassuring during a difficult time. If you’d like to find out more about our available breakdown covers, please visit our website, speak to your local NFU Mutual Agent or call Mutual Direct, our UK based advisers, on 0808 301 7713.

Find out more about our breakdown cover levels.

Call our dedicated helpline on 0800 282 652.

If you do not have the necessary level of cover needed for your recovery, you may still be able to receive assistance at a pay-on-use cost to you. If you require breakdown assistance and would like to talk this through with one of our dedicated team at RAC, please call 0800 282 652.