How to Cancel RAC Membership: A Step-by-Step Guide
If you’re looking for information on how to cancel RAC membership, you’ve come to the right place. Whether you’ve found alternative breakdown cover, no longer need the service, or want to switch providers, cancelling your RAC membership can be straightforward when you know the correct process. This comprehensive guide will walk you through all available cancellation methods, important considerations, and potential alternatives to help you make an informed decision.
Table of Contents
- Understanding RAC Membership
- Reasons to Cancel RAC Membership
- How to Cancel RAC Membership: Available Methods
- Important Considerations Before Cancelling
- Alternatives to Cancellation
- Frequently Asked Questions
- Conclusion
Understanding RAC Membership
The RAC (Royal Automobile Club) is one of the UK’s leading breakdown cover providers, offering various membership tiers with different levels of protection. Before proceeding with cancellation, it’s important to understand what your membership includes:
- Roadside Assistance: Basic cover for breakdowns within a quarter mile of your home
- Recovery: Vehicle transport to a garage if roadside repair isn’t possible
- At Home Cover: Assistance when your vehicle won’t start at home
- Onward Travel: Alternative transport or accommodation if your vehicle can’t be fixed immediately
- European Cover: For breakdowns occurring abroad
Reasons to Cancel RAC Membership
There are several common reasons why members consider cancelling their RAC membership:
Financial Considerations
Many members review their breakdown cover costs annually and may find more competitive rates elsewhere.
Changed Circumstances
If you’ve sold your vehicle, are moving abroad, or no longer drive frequently, your membership might no longer be necessary.
Service Dissatisfaction
Some members choose to cancel due to poor service experiences or long response times during breakdowns.
Alternative Providers
You may have found a better deal or more suitable cover with another breakdown service provider.
How to Cancel RAC Membership: Available Methods
RAC provides several methods for members to cancel their membership. Here are your options:
1. Cancelling Online
The quickest way to cancel is through your RAC online account:
- Log in to your RAC account on their official website
- Navigate to the ‘My Membership’ section
- Select ‘Cancel Membership’
- Follow the on-screen instructions
- Confirm your cancellation request
2. Cancelling by Phone
You can cancel your membership by calling RAC customer service:
- UK Members: 0330 159 8743
- Opening Hours: Monday to Friday, 8am to 8pm; Saturday, 8am to 6pm
Have your membership details ready when calling to expedite the process.
3. Cancelling by Post
For those who prefer written communication:
- Write a cancellation letter including your full name, membership number, and reason for cancellation
- Send it to: RAC, PO Box 320, Walsall, WS5 4QY
- Consider sending via recorded delivery for proof of posting
4. Cancelling in Person
While less common, you can visit an RAC approved garage and request assistance with cancellation, though phone or online methods are generally more efficient.
Important Considerations Before Cancelling
Before proceeding with your RAC membership cancellation, keep these important points in mind:
Cancellation Fees
Depending on when you cancel, you may be subject to:
- Early termination fees if cancelling before your contract ends
- Charges for any services used during the current membership period
- Potential loss of any unused membership benefits
Cooling-off Period
If you’ve recently joined RAC, you may be within the 14-day cooling-off period, allowing you to cancel without penalty.
Refund Eligibility
Refunds are typically calculated based on:
- Unused portion of your membership
- Any services already provided
- Administrative fees that may apply
Direct Debit Cancellation
Remember that cancelling your membership isn’t the same as cancelling your direct debit. You’ll need to:
- Contact your bank separately to stop payments
- Ensure you’ve properly cancelled with RAC first to avoid owing money
Alternatives to Cancellation
Before cancelling your RAC membership completely, consider these alternatives:
Downgrading Your Cover
You might save money by switching to a lower tier of cover rather than cancelling entirely.
Pausing Membership
If your circumstances are temporary (e.g., overseas assignment, vehicle storage), ask about membership suspension options.
Negotiating a Better Deal
RAC may offer you a better rate if you mention you’re considering cancellation due to cost.
Frequently Asked Questions
How long does it take to process an RAC membership cancellation?
Cancellations are typically processed within 5-7 working days, though it may take longer for refunds to appear in your account.
Can I cancel my RAC membership at any time?
Yes, but if you’re within a fixed-term contract, early cancellation fees may apply.
Will I receive a refund if I cancel my RAC membership?
Refunds are calculated pro-rata for the unused portion of your membership, minus any services used and applicable fees.