How to cancel RAC

1. 1

   Have your RAC membership number and schedule to hand — only the policyholder shown on the schedule can cancel.

2. 2

   Call RAC on 0330 159 1111. Lines are open weekdays 8am–7pm, Saturday 9:30am–5pm, closed Sunday, and 9am–5pm on bank holidays.

3. 3

   Say you want to cancel the membership. RAC says calling is the easiest way and helps it arrange any refund due sooner.

4. 4

   Ask for the cancellation date and the exact refund or deduction figure before you finish the call.

5. 5

   Do not cancel the direct debit as a shortcut — RAC's booklet says cancelling a direct debit won't always cancel your policy and directs you to contact Customer Services.

6. 6

   Check the next statement to confirm the collection has stopped.

• • RAC publishes no self-serve cancel button for breakdown cover: the FAQ answer routes you to the phone, with a written form only as the accessibility alternative.
• • RAC says that if you cancel your policy for any reason the whole policy is cancelled, so nobody named on it stays covered.

Source: rac.co.uk — the provider's own documentation for these steps.

1. 1

   Open RAC's contact form at racportal.icasework.com/resource?id=IE71000768&db=rac — the link RAC gives for members who are unable to contact it by phone, for example because they are hard of hearing.

2. 2

   Give your membership number, the policyholder's name and address, and state plainly that you want to cancel the policy.

3. 3

   Ask for written confirmation of the cancellation date and of any refund or deduction.

4. 4

   Expect it to be slower. RAC's own note on this route says it may take longer to issue any refunds.

5. 5

   Keep the reference number and check your statement on the next collection date.

• • RAC presents this as the alternative to calling rather than as an equivalent self-serve cancellation.

Source: rac.co.uk — the provider's own documentation for these steps.

1. 1

   Sign in to your myRAC account at rac.co.uk/myrac.

2. 2

   Open account settings — RAC links this directly to rac.co.uk/myrac/account-details.

3. 3

   Turn off the automatic renewal for the policy.

4. 4

   Understand what this does and does not do: RAC says doing this won't end your cover straight away, and that you will still be covered up to your policy's expiry date.

5. 5

   Diarise the expiry date, and check that no payment is taken on or after it.

• • RAC describes this route specifically for an annual continuous policy. Its booklet says a monthly continuous policy renews every month until you or RAC cancel it, so there is no annual renewal to switch off.
• • The booklet's general rule for other policies is the same idea by a different channel: "[i]f you want to stop your policy from automatically renewing, you can do this at any time – just contact us."

Source: rac.co.uk — the provider's own documentation for these steps.

1. 1

   Check the window. RAC's cooling-off period starts the moment you buy the policy and ends 14 days after the start date listed in your schedule, or 14 days after you receive your documents if that is later.

2. 2

   Call 0330 159 1111 inside that window and say you are cancelling within the cooling-off period.

3. 3

   Say whether you have used the service, because it changes the figure: on a monthly continuous policy with no call-out RAC gives a full refund and takes no further payments; with a call-out you get no refund but no further payments either.

4. 4

   On a policy of 12 months or longer paid upfront with no call-out, RAC refunds the breakdown part in full and, where an arrangement and administration fee applies, keeps up to £25 of it.

5. 5

   If you have called RAC out, expect £85 to be kept for each call-out — the booklet adds that RAC will never charge you more than the total cost of your cover.

6. 6

   Get the final figure confirmed before you hang up.

• • On a policy of 12 months or longer paid monthly, the equivalent inside the cooling-off period is a refund of what you have paid, with up to £25 of any arrangement and administration fee charged, plus £85 per call-out.
• • If you paid with Tesco Clubcard vouchers, RAC says different cancellation and refund terms apply, and that the voucher value is refunded under the Tesco Clubcard terms instead.

Source: docs.rac.co.uk — the provider's own documentation for these steps.