What RAC does

RAC is a UK motoring organization founded in 1897 as the Automobile Club of Great Britain, operating today as RAC Motoring Services Ltd and serving 13.6 million personal and business members. Its core offerings span consumer and commercial breakdown cover (UK and 48 European countries), motor insurance arranged through a panel of underwriters, mobile mechanic services, and RAC Connected — a fleet telematics platform powered by CalAmp technology that delivers AI-driven crash detection, video safety, and driver behaviour analytics. The company's technology stack combines a branded nationwide patrol force of 1,700+ vehicles carrying proprietary equipment (RAC Scan+ diagnostics, All-Wheels-Up recovery, RAC EV Boost van-mounted chargers) with a connected telematics layer and a mobile-first member platform (myRAC app). RAC monetises through subscription-based breakdown cover (Basic to Complete tiers priced from £5.29/month), insurance commissions, professional-service mobile mechanic bookings, fleet telematics subscriptions, ancillary products (fuel card, RAC Cars marketplace, RAC Shop, RAC Tyres), and research/data products (RAC Report on Motoring, Fuel Watch). RAC is currently owned by CVC Capital Partners, Silver Lake, and Singapore's GIC sovereign wealth fund, and is preparing a London Stock Exchange IPO at an estimated £5bn valuation.

Name

RAC

Legal name

RAC Motoring Services

Website

http://www.rac.co.uk

Company type

Private

Founded year

1897

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

RAC is a UK motoring organisation founded in 1897, providing breakdown cover, car insurance, mobile mechanic services, and fleet telematics to 13.6 million personal and business members across the UK and Europe.

Ownership category

akta.pro rank

Product category

Vehicle Breakdown Assistance

NAICS

General Automotive Repair (811111), Automotive Mechanical and Electrical Repair and Maintenance (81111)

SIC

Services-Automotive Repair, Services & Parking (7500)

akta.pro primary industry

Exhaust & Emissions/Smog Testing & Repair (TLAKAAAI)

Keywords

• Vehicle breakdown assistance
• Roadside recovery
• Car insurance
• Fleet telematics
• Mobile mechanics

Headquarters

HQ city

Bescot

HQ country

United Kingdom

HQ region

Europe

Offices3 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure, Supply Chain

Revenue model

1. Breakdown Cover Subscriptions: Annual or monthly subscription-based breakdown cover for personal and business customers. Covers roadside assistance, recovery, at-home cover, and European breakdown. Multiple tiers from Basic to Complete.
2. Car Insurance: RAC Car Insurance arranged through panel of selected insurers, offered as RAC Online Car Insurance (self-service) or standard RAC Car Insurance. 99% claims payout rate.
3. Mobile Mechanic Services: At-home service, repair, battery replacement, brake replacement, and diagnostic services. No membership required - available to anyone. Bookable online.
4. RAC Connected Telematics: Fleet management platform for commercial fleet operators with AI-powered video safety, crash detection, and driver behaviour insights. Powered by CalAmp technology.
5. RAC Fuel Card: Fuel card for business customers to manage fleet fuel costs and maximise efficiency
6. RAC Cars: Vehicle history checks, car buying/selling platform, approved dealers, and warranty products

Pricing tiers

Go-to-market motion3 records

Distribution channels6 records

Marketing channels6 records

Core offering

RAC is a UK-based motoring services provider founded in 1897, delivering roadside breakdown assistance and recovery through a network of 1,700+ patrols. It also offers car insurance, mobile vehicle repairs, fleet telematics (RAC Connected), vehicle history checks, and a fuel card, supported by a membership base of 13.6 million.

Product overview

RAC is a UK motoring organisation offering a diversified portfolio of driving and mobility-related services to over 13.6 million personal and business members. The core offering centres on breakdown cover products — UK Breakdown Cover (Basic/Standard/Extra/Complete tiers), European Breakdown Cover, Van Breakdown Cover, Fleet Breakdown Cover, Taxi Breakdown Cover, Truck Breakdown Cover, Electric Vehicle Breakdown Cover, and Motorcycle Breakdown Cover — which are complemented by RAC Mobile Mechanics for at-home servicing and repairs, and RAC Approved Garages for MOT and workshop services. Insurance products include RAC Car Insurance (standard and self-service RAC Online Car Insurance), with specialist variants such as Black Box Insurance, Electric Car Insurance, Learner Driver Insurance, Temporary Car Insurance, Classic Car Insurance, and Business Motor Insurance — sourced from an insurer panel and underwritten by leading insurers, with Plus and Premier tiers rated 5 Star Defaqto. RAC Connected (powered by CalAmp) is the fleet management and telematics platform offering AI-powered video safety, automated crash detection via CrashBoxx, real-time vehicle tracking, and driver behaviour insights. Additional services span RAC Cars (used car marketplace), Vehicle History Checks, Route Planner, myRAC App, RAC Fuel Card, and RAC Shop. The portfolio is structured as a platform-led approach: the breakdown cover and insurance products serve as the core membership revenue base, with RAC Connected as the technology-differentiated growth platform for commercial fleet operators, and mobile mechanics/repair services extending the physical service footprint.

Differentiator

Problem solved

Functional benefit

Brands

• RAC Connected: Fleet management and telematics solution for UK commercial fleets, powered by CalAmp technology
• myRAC
• RAC Cars
• RAC Mobile Mechanics
• RAC Approved Garages
• RAC Shop
• RAC Tyres

Products and services

• Breakdown Cover Subscription roadside breakdown and recovery cover for individual UK motorists, with average fix-at-roadside rate of four in five cars.
• European Breakdown Cover Roadside assistance and recovery cover for UK members travelling in mainland Europe, available on a single-trip or annual basis.
• Van Breakdown Cover Roadside assistance and recovery cover tailored for owners of vans and light commercial vehicles.
• Motorcycle Breakdown Cover Roadside assistance and recovery cover for motorcycle owners across the UK.
• Business Breakdown Cover Breakdown and recovery cover for business fleets, taxis and trucks, providing on-road repair or onward travel.
• RAC Car Insurance Motor insurance policy arranged through a panel of insurers for individual UK motorists, integrating connected-car features such as crash detection.
• Black Box Car Insurance Usage-based motor insurance that monitors driving behaviour via an in-vehicle black box device, often used by younger or higher-risk drivers.
• Electric Car Insurance Motor insurance policy covering electric vehicles, including battery-related cover considerations.
• Learner Driver Insurance Short-term motor insurance designed for learner drivers practising in a car, typically with a supervising driver.
• Temporary Car Insurance Short-term motor insurance for drivers borrowing or sharing a vehicle for a brief period.
• Classic Car Insurance Motor insurance tailored for classic and vintage vehicles, including agreed-value cover.
• Business Motor Insurance Bespoke commercial motor insurance for business vehicle fleets, including vans and trucks.
• RAC Mobile Mechanics On-demand vehicle servicing and repairs delivered by RAC mechanics at the customer's home, workplace or roadside.
• RAC Connected (Fleet Telematics) Connected fleet telematics platform offering vehicle tracking, driver behaviour analytics, journey replay and CRM workflows for commercial fleet operators.
• Connect360 Vehicle CCTV In-vehicle CCTV and camera solution for fleet vehicles, providing video evidence and incident recording.
• RAC Cars Online car buying platform that connects buyers with approved dealers and uses RAC vehicle data to support purchasing decisions.
• Vehicle History Check Paid vehicle history check service that provides provenance, mileage and write-off data for used vehicles.
• RAC Fuel Card Fuel payment card for business vehicle fleets, providing consolidated invoicing and fuel spend management.

Quantifiable outcome

• 4 out of 5 breakdowns fixed at roadside
• +5 more outcomes

Named customers2 records

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration6 records

AI capability7 records

Feature7 records

Partnerships

Two partnerships are on record, tiered core.

• CalAmpcoreTechnology or Integration · 29 April 2026RAC Connected has integrated CalAmp CrashBoxx AI-driven crash intelligence into its connected fleet safety platform. Provides real-time accident detection, event reconstruction, and predictive damage assessment with first notice of loss within seconds.
• LKQ Euro Car PartscoreStrategic or Co-development Partner · 12 March 2026LKQ Euro Car Parts extended partnership with RAC until April 2031, continuing as first-line supplier of batteries and parts. Partnership spans more than a decade with LKQ providing rapid access to quality parts and industry-leading logistics for RAC's network of mechanics.

Scale indicators11 records

Recent moves11 records

Expansion highlights5 records

Regional players

• ADAC: ADAC is Germany's largest motoring association, providing breakdown assistance, insurance, and travel services to over 20 million members. It is comparable to RAC's membership-based motoring services model, though operating primarily in Germany and Continental Europe rather than the UK.
• Agero: Agero is a leading North American provider of roadside assistance, connected vehicle, and claim management services for automotive manufacturers, insurance carriers, and fleet operators. It is comparable to RAC's breakdown assistance, mobile mechanic, and fleet telematics businesses, though primarily serving US/Canadian markets.

Direct peers

• Green Flag: Green Flag is a major UK breakdown cover provider (owned by Direct Line Group), offering roadside assistance and recovery services to individual and business customers. It competes head-to-head with RAC in the UK market across similar product tiers and customer segments.
• Start Rescue: Start Rescue is a UK breakdown cover provider offering roadside assistance and recovery to consumer and commercial customers. It directly competes with RAC on price, particularly in the online and comparison-channel segments, and serves a similar UK motoring customer base.
• The AA: The AA is RAC's primary direct competitor in UK breakdown cover, offering roadside assistance, recovery, insurance, and motoring services to UK drivers. Both organizations operate nationwide patrol fleets, similar subscription tiering, and overlapping insurance and repair offerings, making them the closest comparable in product, customer base, and business model.

Broad incumbents

• Direct Line Group: Direct Line Group is a major UK personal lines insurer owning brands like Direct Line, Churchill, and Green Flag. It is comparable to RAC's car insurance line (with 99% claims payout and 5-star Defaqto ratings) and its breakdown-cover products through Green Flag, competing across both insurance and roadside assistance.
• Verizon Connect: Verizon Connect is a global fleet management and telematics provider offering GPS tracking, driver safety, and fleet optimisation software. It is comparable to RAC Connected's fleet management platform, serving similar commercial fleet customers with AI-driven video safety and crash detection capabilities.
• LV= General Insurance: LV= is a UK insurance provider offering car, home, and travel insurance with optional roadside assistance add-ons. It is comparable to RAC's car insurance products (RAC Online Car Insurance and standard RAC Car Insurance), competing for similar UK consumer and small business customers via direct and price-comparison channels.
• Allianz Partners: Allianz Partners operates a global roadside assistance and travel insurance business serving automotive manufacturers, insurers, and direct customers. It is comparable to RAC's European breakdown cover (48 countries) and B2B2C motoring services, though operating at significantly broader geographic scale.

Emerging players

• Geotab: Geotab is a leading global provider of fleet telematics and connected vehicle solutions, serving commercial fleet operators with vehicle tracking, driver behaviour analytics, and AI-powered safety features. It is comparable to RAC Connected (powered by CalAmp), competing for the same UK and European commercial fleet customers.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/RAC_Breakdown
• YouTubeyoutube.com/user/RACBreakdown
• Facebookfacebook.com/rac
• LinkedInlinkedin.com/company/rac
• Instagraminstagram.com/therac_uk

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds2 records

Investors2 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about RAC