Breakdown Insurance
No matter how old or new your vehicle is, an RAC breakdown policy provides peace of mind.
- Whether you use your car every day, a van on the weekend, like holidaying with a motorhome or simply use your vehicle for commuting, we’ve got you covered.
- Recovery service to a local repairer*.
- Roadside repair when you’re more than a quarter of a mile from your home.
- Transport of you and your vehicle to your destination in the UK**.
- Misfuel your vehicle we can help drain, flush, clean the system and add up to 10 litres of correct fuel.
- Service at your door if your vehicle breaks down at home.
Popular Policies
Car Insurance
Motorbike Insurance
Taxi Insurance
What's Covered
Here are a few examples of things that are usually covered:
- Cars, vans, bikes, minibuses and motorhomes as well as a range of specialist vehicle types.
- Repair your vehicle for mis-fuel at the roadside by cleaning out the fuel system.
- European Motoring Assistance which covers your vehicle in 50 countries and their off shore islands in continental Europe.
- Repair your vehicle at the roadside, when you’re more than a 1/4 of a mile from your home.
- Use of a hire vehicle*** for up to 2 days whilst your vehicle is fixed, alternative transport or overnight accommodation.
Always refer to your policy wording for a full list of benefits and restrictions. *Within 10 miles, **At Home - If vehicle can’t be fixed, 10 miles tow only and***Age restrictions may apply.
Questions
Most breakdown cover starts the same day, but it may take up to 48 hours on business days to reach RAC. This might be longer over the weekend.
For questions, call us on:
Jersey: 01534 500500 (Monday to Friday 9 - 5)
personal@rossboroughgroup.co.uk
Guernsey and Alderney: 01481 241555 (Monday to Friday 9 - 5)
personal@rossboroughgroup.co.uk
Isle of Man: 01624 631631 (Monday to Friday 9 - 5)
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Any breakdown which has occurred before purchase.
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Anything which is not a breakdown e.g. a road traffic collision.
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The cost of any parts.
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Any breakdown resulting from a fault that has previously been attended to and has not been properly repaired or the advice after a temporary repair has not been followed.
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Vehicles used for those shown as excluded as shown on your policy schedule for the vehicle under Vehicle Use Codes.
For full details of this policy's terms and conditions, including what is NOT covered, please download the policy wording here.
The vehicle must not be more than:
Type of Vehicle Gross: Vehicle Mass
Car and Light Commercial Vehicle: 3,500 Kgs
Motorcycle: 410 Kgs
Minibus: 5,000 Kgs
Motorhome: 7,500 Kgs
Horsebox and Trailer, Specialist Vehicle, Heavy Commercial Vehicle and PSV/Coach: 44,000 Kgs
- Motorcycles under 49cc or mobility scooters are not covered.
- If a caravan or trailer breaks down in the UK, RAC will only attend at the roadside and attempt a repair. No other benefits of the policy are available.
- If the vehicle breaks down while towing a caravan or trailer and RAC provide recovery, the caravan or trailer will be recovered with the vehicle (excluding any horse trailer which is being operated under a standard or international operator’s licence or requires to be towed by a vehicle more than 3.5 tonnes GVM) to a single destination.
- If the breakdown is as a result of a tyre fault and a spare wheel or the manufacturer’s repair equipment is not being carried or a key related claim, we will only tow you 10 miles.
- There are limits on the amount of cover per section. Please see your terms and conditions.
- European Breakdown is limited to journeys up to 90 days for any one trip (with an overall limit of £2,500 per claim or £5,000 if the vehicle is a motorhome more than 3,500Kgs GVM).
For more information please view the policy document here.
You are covered in England, Scotland, Wales, Northern Ireland, the Channel Islands and the Isle of Man.
If you have purchased European Motoring Assistance the following mainland countries are included: Albania, Andorra, Armenia, Austria, Azerbaijan, Belarus, Belgium, Bosnia Herzegovina, Bulgaria, Croatia, Cyprus (South), Czech Republic, Denmark, Estonia, Finland, France, Georgia, Germany, Gibraltar, Greece, Hungary, Iceland, Italy, Kosovo, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Malta, Moldova, Monaco, Montenegro, Netherlands, Norway, Poland, Portugal, Republic of Ireland, Romania, Russian mainland (west of Urals), San Marino, Serbia, Slovakia, Slovenia, Spain (excluding the Canary Islands, Ceuta and Melilla), Sweden, Switzerland, Turkey (in Europe) plus Uskudar, Ukraine, Vatican City and any offshore islands of the above in the Mediterranean Sea.
You must take reasonable care to complete and accurately answer the questions asked when you take out and make changes to this RAC Breakdown Cover and when you make a claim.
- You must let your broker know immediately if you need to change anything, such as your address and/or vehicle.
- You must ensure your vehicle is in a legal and roadworthy condition.
- You must report a breakdown to RAC straight away, follow their instructions and comply with their full terms and conditions.
When does the cover start and end?
- Cover for Roadside begins on the effective date shown on your policy schedule. Optional cover will start 24 hours from the initial effective date.
- Cover will continue until the expiry date as shown on your policy schedule.
- RAC Breakdown Cover is cancelled if your associated motor insurance policy is cancelled.
You can cancel RAC Breakdown Cover by contacting the team closest to you.
Jersey: 01534 500500 (Monday to Friday 9 - 5)
personal@rossboroughgroup.co.uk
Guernsey and Alderney: 01481 241555 (Monday to Friday 9 - 5)
personal@rossboroughgroup.co.uk
Isle of Man: 01624 631631 (Monday to Friday 9 - 5)
The fastest way to have your claim resolved is to contact your insurers directly.
The insurers' contact details can be found on your policy documentation.
If you are unable to contact your insurers, please contact our dedicated claims team, we can ensure your policy delivers when you need to make a claim:
Jersey: 01534 500500 (Monday to Friday 9 - 5)
claims@rossboroughgroup.co.uk
Guernsey and Alderney: 01481 241555 (Monday to Friday 9 - 5)
Isle of Man: 01624 631631 (Monday to Friday 9 - 5)
Why Rossborough?
People
Our customers are at the centre of all that we do, each and every day.
Service
We always go out of our way to deliver a local, personal service.
Trusted
We’ve been trusted with islanders’ most important possessions for over 80 years.
Committed
We are committed to providing policies that best fit our customers’ requirements.
Safe
We are a safe pair of hands. When you need us most, we’ll be there.
Professional
We are a qualified, experienced team who always deliver professional service.
