RAC Essentials

chrispy1

Has anyone heard of RAC Essentials?
I've just got some quotes from Compare the Market for breakdown insurance and 2 of them are from RAC Essentials. One is £30 with £40 excess the other is £90 with no excess. 

Both include.
Unlimited call outs
Roadside assistance
Local recovery
Nationwide recovery
Onward travel
Home start
Relief driver
Emergency overnight accommodation
Car hire
Out of fuel

What's not included is
European cover
Misfuelling

I was quoted £198 on the RAC site for the same thing. Does anyone know what the differents with the normal RAC and RAC Essentials?

 

Bigwheels1111

I took out the AA for a family of 4, same as cover above for £176 I think it was, after Quidco it was £84.
£21 each.
Not on offer at the moment.

fred990

I've been on it for years. They called about why didn't I want to renew after year ones comical renewal, I was offered a one off admin fee/at cost cover (everything except home start).
Never paid more than £70.

TLR93

Had the same scenario so I contacted the RAC directly and asked them what the difference is between RAC and Essentials by RAC. They said:

If you buy Essentials from RAC (available through price comparison websites) you can choose to include a £40 excess. This means you will get a lower price for cover, but have to pay a £40 fee every time you break down.

martin_54

You   better   have   a  Look  on  Facebook    ( How  BAD  are The  RAC )   for   service. 

baser999

Check out Driver Guardian for breakdown cover

Bigwheels1111

Not had a breakdown in my new car since I got it in December 2016.
Took out AA cover as part of my 5 year service plan.
Found out in year 5 that they had not provided cover even though I had documentation of cover from them.
When I got a puncture.
There was a switch from AA to RAC by Peugeot. My cover vanished.
Im part of the AA family cover, 4 members and get home start, relay, onward travel and National recovery.
Depending on the offer and cashback we pay around £20-£30 a year each.
This year was £23.75.
Cough cough, do you live with you mum, dad and brother at the home address.
All 4 of you could get a great price.

J72

My RAC cover runs out on 8/04/2024. I have never had an issue with them at all with previous cars. ( Have an 18 TROC now.  My quote was for 165.99 on renewal. Looking at comparison sites there is an "essentials RAC" which seems very cheap. Just over 50 pounds with 40 excess. Should i ring and bargain with them and ask for explanation on essentials package.  thanks in advance. 

DullGreyGuy

Essentials is just their product for selling on comparison sites which comes with a call out excess unlike the direct to consumer offering. They use the same policy book so there is no differences in cover other than for the excess

baser999

J72 said:

My RAC cover runs out on 8/04/2024. I have never had an issue with them at all with previous cars. ( Have an 18 TROC now.  My quote was for 165.99 on renewal. Looking at comparison sites there is an "essentials RAC" which seems very cheap. Just over 50 pounds with 40 excess. Should i ring and bargain with them and ask for explanation on essentials package.  thanks in advance. 

Take a look at Driver Guardian - full breakdown cover from £65 - used them for several years before getting AA by way of the cover that came when we changed our car last year.