Breakdown Cover
If your vehicle has broken down and you require assistance, please call: 0800 282 652
You can upgrade your breakdown cover by contacting who you purchased your policy from, either Mutual Direct, by calling 0800 197 1293, or your local agency office, find your local agency office.
For security and training purposes calls may be recorded and monitored.
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 entry level of cover, Mutual Assist, is included with all of our Car Insurance* policies and includes accidental mis-fuelling, local recovery if over ¼ of a mile away from home 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 your vehicle 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, as well as alternative travel arrangements for the driver and passengers to any UK destination, where the journey cannot be completed alongside your vehicle.
- Exclusive rates for NFU Mutual insurance customers.
- Personal service provided to all our customers by the dedicated NFU Mutual breakdown helpline team.
This table 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 on 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 |  |
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| Unlimited call outs | |
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| Roadside assistance anywhere in the UK over ¼ of a mile from home | |
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| Local recovery to a garage within 20 miles if the vehicle cannot be repaired at the roadside | |
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| Small car hire for 48 hours if the vehicle needs a longer repair and the repair cannot be done on the same day | |
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| Accidental mis-fuelling cover | |
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| If the vehicle cannot be repaired at the roadside, this provides recovery of the vehicle, driver and passengers to any UK destination | N/A | |
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| Option of alternative travel or overnight accommodation for drivers and passengers should the vehicle need a longer fix | N/A | |
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| At Home Cover. Assistance at, or within ¼ of a mile of your home | N/A | N/A | |
*Excludes motorhomes, campervans and any vehicle with a gross weight of 3500kg or over or a length greater than 6.4 metres.
**If you are viewing this page on a mobile device, please turn your device horizontally to view the table.
If you have a Light Goods Vehicle Insurance 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.
Ready to upgrade?
If you purchased your policy through Mutual Direct please call 0800 197 1293.
If your policy is held with a local agency office please contact them by finding your local agency office.
You can find out exactly what cover you have in the ‘Road Rescue’ section of your latest policy schedule.
Alternatively, you can call your local agency office or if you purchased your policy from Mutual Direct: 0800 197 1293.
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 or National Plus Home Assist.
If you have motorhome or campervan insured under a Car Insurance policy with us or a Light Goods Vehicle Insurance policy, cover is not included as standard. Please refer to your policy documents to check whether you chose to add National Assist or National Plus Home Assist.
If you’re happy with the level of cover you have right now, you don’t need to do anything. However if you'd like to upgrade please contact who you purchased your policy from, either Mutual Direct, by calling 0800 197 1293, or your local agency office, find your local agency office.
For security and training purposes calls may be recorded and monitored.
If your vehicle has broken down and require assistance, please call: 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
