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How to Cancel RAC Breakdown

RAC provides roadside assistance and breakdown cover. You can cancel by phone. Refund eligibility depends on whether you are in the cooling-off period and whether you have used the service.

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Insurance

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Quick Facts

Monthly cost
£7.00/mo
£84.00/year
Cancel online?
No — phone/letter required
Pause option?
No
Refund policy
Full refund within 14 days if unused. Pro-rata refund minus admin fee after 14 days.
After cancellation
Membership records retained per regulatory requirements.

Cancellation Steps

Go directly to RAC Breakdown cancellation page

  1. Find your membership number

    Check your RAC membership card, email confirmation, or online account.

  2. Call the RAC

    Phone 0330 159 1111 to speak to the membership team.

  3. Request cancellation

    Provide your membership details and confirm you want to cancel.

  4. Get written confirmation

    Ask for an email confirming the cancellation date and any refund.

Tips & Things to Know

  • Within 14 days of purchase, you get a full refund if you have not used the service.
  • After 14 days, you may receive a pro-rata refund minus an admin fee.
  • If you pay monthly, you just need to give notice before the next payment date.

Your Consumer Rights

  • You have a 14-day cooling-off period under the Consumer Contracts Regulations 2013
  • RAC must provide a pro-rata refund for unused cover after the cooling-off period under FCA insurance rules

Frequently Asked Questions

Can I cancel RAC online?
No, you must call 0330 159 1111 to cancel your RAC membership.
Do I get a refund if I cancel mid-year?
After the 14-day cooling-off period, you may get a pro-rata refund minus an administration fee.
What if I cancel within 14 days?
You receive a full refund provided you have not used the breakdown service.
Can I cancel a monthly RAC plan?
Yes, give notice before your next payment date and your cover ends at the current period.
Does RAC cover continue after I cancel?
Cover continues until the end of the paid period. You are not covered after that date.

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