Unless you are a motor mechanic with your own vehicle recovery truck or have roadside assistance included within your car lease agreement, you would be well advised to buy some cover from a reputable company. If you don’t, then you run the risk of being landed with a very large bill to pay if your vehicle breaks down and you need to have it recovered to your home or a nearby garage.
RAC is a household name in the UK and a well-respected provider of roadside assistance services. However, RAC roadside cover is often not the cheapest option and it can been tempting to buy a cheaper product from a less well-known company and hope that their service is okay if you need to use them. But, before you choose to take your chances with one of these smaller companies it is well worth seeing if you can find a good cashback deal with the RAC via Topcashback or Quidco.
That way, you will have the peace of mind that comes with dealing with a reputable company, whilst not having to sell the family silver to pay for it!
Personally, I would much rather buy cheap RAC cover using a cashback website than pay the same price dealing direct with a less well-known company.
The first step is to use a price comparison website to check the range of prices from the smaller roadside assistance companies (eg. comparethemarket or moneysupermarket).
Beware the “it seems too good to be true prices” – very often sneaky companies will hide the fact that their service only offers a fraction of what you would normally expect from a roadside assistance service. Make sure you check the terms of the cover before you buy from one of these smaller companies. Also check the internet to look for reviews of the quality of their service – some are dreadfully slow to turn up at your breakdown site (if they turn up at all!?)
The next step is to visit the TopCashback and Quidco websites to check for cashback deals.
The current RAC deals are as follows:
The RAC deals at TopCashback depend upon the value of the cover purchased:
- up to £50 = £5.25 cashback
- between £51 and £100.99 – £36.75 cashback (this is probably the most common price-bracket for roadside assistance)
- between £101 and £150.99 – £47.25 cashback
- £151 or more – £73.50 cashback (this level of premium must be for double-decker buses!?)
The RAC deals at Quidco are slightly less attractive:
- up to £50 = £5 cashback
- between £51 and £100 - £25 cashback
- between £101 and £150 - £35 cashback
- over £150 - £60 cashback
As you can see from the prices quoted above, you can make substantial savings by using cashback websites to buy your annual roadside assistance cover.
As always, it is important to check the “notes and information” boxes on the cashback websites for exclusions. For example, the current deals do NOT include European cover and are NOT available to those who want to pay by monthly direct debit.
These cashback deals are only for new customers so, if you are already an RAC customer, you will not be able to take advantage of them. However, there are similar deals with AA on TopCashback and Quidco.