RAC Breakdown Cover

If you rely on your car for work, the school run or just day-to-day needs, the last thing you need is a breakdown to upset your routine. We offer multiple levels of RAC Breakdown Cover to help you get back up and running.

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Explore our levels of RAC Breakdown Cover 

Roadside

The RAC will repair your vehicle at the roadside, as long as you’re over a quarter of a mile away from home.

  • Assistance at the roadside 
  • 10-mile tow if the vehicle can’t be fixed at the roadside 
  • No call out charge
  • Unlimited labour time if the vehicle can be fixed

Roadside & Recovery 

The same cover as Roadside, plus the RAC will take you, your passengers and your vehicle to your chosen destination anywhere in the UK if your vehicle can’t be fixed at the roadside.

  • Assistance at the roadside 
  • Recovery to any UK destination if the vehicle can’t be fixed  
  • No call out charge
  • Unlimited labour time if the vehicle can be fixed

Roadside, Recovery & At Home


The same as Roadside and Recovery, plus the RAC will attend if your vehicle breaks down at home, or within a quarter of a mile of your house.

  • Assistance at the roadside
  • Recovery to any UK destination if the vehicle can’t be fixed at the roadside
  • Assistance within a quarter of a mile of home address
  • No call out charge 
  • Unlimited labour time if the vehicle can be fixed




Roadside, Recovery, At Home & European Motoring Assistance

The same as Roadside, Recovery and At Home, plus European Breakdown covers you in 50 countries and their offshore islands in continental Europe.

  • Assistance at the roadside 
  • Recovery to any UK destination if the vehicle can’t be fixed at the roadside
  • Assistance within a quarter of a mile of home address
  • Up to 90 days' European cover, 14 consecutive days hire car, repatriation or collection of vehicle
  • No call out charge 
  • Unlimited labour time if the vehicle can be fixed

Would you like to add RAC Breakdown Cover to your policy?

If you have an existing car insurance policy with 1ST CENTRAL and would like to add RAC Breakdown Cover, you can take out cover at any time during the year by logging into Your Account.

Add to existing policy

Do you already have RAC Breakdown Cover with your policy?



In the event you have broken down, please contact our breakdown partner, RAC:

More information and what’s covered under your policy, can be found in your policy wording, available within Your Account or your confirmation of insurance email.

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We're here to help every step of the way

If you’ve got a question about your policy, you might find the answer you’re looking for on our Help & support page.

Frequently asked questions

How do I contact the breakdown company?

Our breakdown cover is provided by the RAC, we recommend saving their number so you always have it to hand.

You can contact the RAC on: 

How do I know if I have Breakdown Cover?

You can easily check what cover you have by taking a look at your policy documents. If you don't have them to hand, don't worry, you can find them in Your Account.

Do you offer Breakdown Cover and what's included?

Yes, 1st CENTRAL has various levels of Breakdown Cover available.

What's included in the Breakdown Cover?

Features range from 24-hour roadside assistance to European Cover. Compare the different features and costs available within each level.

How can I add Breakdown Cover to my policy?

If you’re a new customer you can take out Breakdown Cover when you purchase a car insurance policy online or over the phone.

Already got a policy with us? No problem, you can add Breakdown Cover by logging into Your Account or by calling us on 0333 043 2066.

If you’re a Plus or Premier customer, check your policy schedule to see what’s included in your policy.

Does your Breakdown Cover me in other cars I drive?
No, this cover is only for the insured vehicle.
How do I make changes to my policy?
Your Account is the place to go to make updates to your policy and if you make a change through Your Account, you'll benefit from paying a reduced admin fee.

You can log in to Your Account here.