How to Cancel RAC Breakdown Cover UK

Thinking about cancelling your RAC Breakdown Cover in the UK? Whether you’ve found an alternative provider or no longer need the service, here’s a clear step-by-step guide to help you cancel – and avoid any surprise charges.

📋 What to Know Before You Cancel

RAC Breakdown Cover is typically annual (paid upfront) or monthly rolling. If you’re on an annual plan, you may only have a 14-day cooling-off period to cancel without penalty. After this, cancellation may incur fees unless stated otherwise in your terms.

Check your cover type, renewal date, and payment method by logging into your RAC account or reviewing your policy documents.

If your policy auto-renews, you must cancel before the renewal date to avoid being charged again.

✅ Cancel by Phone

The most direct way to cancel is by speaking to RAC customer services:

• Call: 0330 159 1111
• Opening hours: Monday to Friday, 8am–7pm; Saturday, 9am–5pm

Be ready to confirm your name, policy number, and reason for cancelling.

✅ Cancel Within the Cooling-Off Period

If you cancel within 14 days of the policy start or renewal date (cooling-off period), you’re usually entitled to a full refund, minus any days you’ve already been covered.

To cancel during this period:

• Call 0330 159 1111
• Or email customer services via the RAC Contact Form

✅ Cancel After the Cooling-Off Period

If you’re outside the 14-day window:

• You may be charged a cancellation fee (usually around £25)
• RAC may also deduct an amount for the time you’ve been covered

Policies paid monthly are often on a rolling basis, so you can cancel with one month’s notice — but confirm this with RAC directly.

💬 Cancel Auto-Renewal (Prevent Future Charges)

If you don’t want your cover to renew automatically:

1. Call 0330 159 1111
2. Ask them to turn off auto-renewal
3. You’ll still be covered until the end of the current term

This prevents unexpected charges when your policy ends.

💬 Still Being Charged After Cancelling?

If you’re still seeing RAC charges after cancellation, it could be due to:

• Cancellation happening after the renewal date
• Direct Debit not being cancelled in time
• A pending pro-rata refund that hasn’t processed yet

Double-check with your bank and follow up with RAC if you don’t receive written confirmation of your cancellation.

🗑️ Delete Your Account (Optional)

To fully close your RAC online account and delete your personal data:

• Contact RAC customer support via their contact page
• Request account and data deletion under UK GDPR

This is optional and not required to cancel your cover.