Does breakdown cover cover the car or person?

What is vehicle breakdown cover? Vehicle breakdown cover is a type of cover that applies to a specific vehicle. If you have vehicle cover, your vehicle will be covered no matter who is driving it when it breaks down. This is different to personal cover, which applies to a person in any vehicle as a driver or passenger.

Can I use my breakdown cover for someone else?

No — personal cover is different to vehicle cover, which covers a particular vehicle, no matter who's driving it. If you take out personal breakdown cover, it won't automatically cover friends or family members who drive your car.

Who does cover my breakdown use?

Our breakdown insurance products are provided by a specialist subsidiary of AXA, one of the world's largest insurance groups, with over 40 years of experience in providing breakdown recovery assistance to motorists.

Can I use my breakdown cover for another car?

You can cover extra vehicles that you keep at your home, as long as you've agreed it with us, and they're registered at that address. If you've got extra vehicle cover, it'll say so on your schedule.

What is covered by breakdown cover?

Breakdown cover is a type of cover that can help you out if your vehicle breaks down. For example when your car battery dies or your tyres puncture, breakdown cover can provide assistance so you and your vehicle won't be left stranded on the roadside.

Breakdown cover explained: Plus what to do if your car breaks down

How does car breakdown cover work?

Roadside Assistance Breakdown Cover

It guarantees that your provider will come to your broken down car and either fix it there and then, or arrange for it to be towed to the nearest garage, for a complex repair if needed.

Does AA cover family members?

Family cover

Covers you, and up to 3 other people you live with, as drivers or passengers in any vehicle. You can add people to your personal cover as long as you all live at the same address. You can even add students who are temporarily living away from home.

Does RAC cover the driver or the car?

Personal-based membership covers you as the driver or passenger in any eligible vehicle. Therefore if you're in a vehicle when it breaks down, you can call RAC for assistance even if you're not driving it at the time.

Can I add another driver to my AA breakdown cover?

Cover for two people

You can add someone else to your personal cover as long as you both live at the same address. We'll rescue either of you if any car you're in breaks down.

Does Green Flag cover the car or the person?

How do I add their details? Answer: At Green Flag we cover the vehicle not the person, so no matter who is driving, the vehicle is always covered.

How do I contact cover my breakdown?

Can I add my son to my RAC breakdown cover?

Will we be covered if we break down in someone else's car? Yes, as long as you choose personal breakdown cover. Everyone named on your policy will be covered on a personal basis, so they'll be covered in any vehicle as a driver or passenger.

Can I add a family member to my RAC cover?

With RAC Vehicle based cover, you can choose to cover up to three named vehicles* by registration number no matter who's driving. So if your partner/friend/family member drives the same vehicle then they're already covered.

Can I use AA for a friend?

Personal breakdown cover

This covers you whether you're in your own car or someone else's, like a friend or family member's. Whether you're a driver or a passenger, you'll be able to call out a breakdown service if the car you're in breaks down.

Can you have 2 breakdown covers?

Overlapping policies

It's also possible to have two separate policies covering the same thing. This often happens with breakdown cover. Some insurance providers offer fully comprehensive car insurance that includes roadside breakdown assistance.

Is break down cover worth it?

It may seem counterintuitive, but paying for breakdown cover can save you money in the long-term. With breakdown cover, you wouldn't have to pay for a mechanic to try to fix your car or for a tow to a garage, but, without cover, getting this emergency assistance could end up being very expensive.

Will RAC come out for flat TYRE?

If your tyre fails to inflate when you're inflating it, it could be too damaged. If this is the case, use your spare tyre or call RAC breakdown assistance and one of our patrols can help you out.

What to do if your car breaks down and you have no cover?

If you have an emergency breakdown and no cover, you can call a breakdown provider to get cover and immediate assistance, contact a nearby garage, or use an emergency phone if you're on a major road. However, these can all be expensive options.

Can you use RAC if your not a member?

Q. How much does it cost if I'm not a member? If you've broken down already and you're not a member of RAC, we can still help you. However, you will be charged a fee for this service.

Is Green Flag better than RAC?

On Trustpilot, RAC Breakdown Cover has a 4.3 out of 5 score; the AA scores 4.4/5 and Green Flag also scored 4.4. Car magazine Auto Express put together a ranking of breakdown cover providers, based on readers' experiences, which you can read here. It put Green Flag in 2rd place, RAC in 4th place and AA in 5th.

Can you buy breakdown cover separately?

You can generally buy breakdown cover as an individual policy, however it's also offered by some providers as part of your motor insurance. It can even come included with some bank accounts – you should check whether you're getting breakdown cover from any other sources before taking it out.

Does breakdown cover affect no claims?

Will breakdown cover affect my no-claims bonus? No, having breakdown cover won't affect your no claims bonus.

Can I add another car to my RAC breakdown cover?

Can I add additional vehicles to my policy? You can buy breakdown cover for more than one vehicle with a multi-car breakdown cover policy. With the RAC, you can cover up to 3 vehicles on the same policy.

Does breakdown cover include recovery after an accident?

Breakdown insurance after a road accident

Some breakdown providers completely exclude recovery of cars involved in an accident, whilst those who will tow a customer's vehicle from an accident scene will usually only do so after authorisation by the police or another emergency service.

Does RAC cover two cars?

The membership covers you for any Vehicle you are in for the first year up to a maximum of four (4) Vehicles per year; in any following year you will need to nominate a Vehicle to receive breakdown service.