Cancel MyRAC the easy way

myRAC app

myRAC is the RAC mobile application and account portal that lets RAC members report breakdowns, manage membership, set reminders for MOT/service/tax/insurance and access driving information. The app itself is free to download and use.

Relationship to RAC Breakdown cover

myRAC is the digital interface for RAC services in the United Kingdom. Breakdown policies purchased directly from RAC are managed via myRAC; cancelling a direct debit alone will not cancel an RAC policy. For official FAQs see myRAC FAQs.

Company facts

Web (myRAC account) detailed steps

1. Go to https://www.rac.co.uk/myrac/faqs and sign in to your myRAC account.
2. Open Account or Membership settings.
3. Select 'automatic renewal' and turn it off to stop the policy renewing at the end of the current period. This does not end cover immediately for annual continuous policies.
4. Request confirmation email and keep the confirmation for your records.

iOS / Android app detailed steps

1. Open the myRAC app. If you do not have the app, download it from the official app page.
2. Sign in with the lead member account (only the lead member can cancel the policy).
3. Navigate to Membership or Policy settings and turn off auto-renewal or select 'Cancel membership' if shown.
4. Request an email confirmation of the change.

Phone detailed steps

1. Call 0330 159 1111 and state you want to cancel your RAC membership managed via myRAC. Provide membership number and lead member details.
2. Ask the agent to confirm whether any refund is due and what fees will be retained (arrangement and administration fee up to £50; up to £85 per call-out where used).
3. Request a cancellation reference and an email confirming the effective date of cancellation.

Email detailed steps

1. Send an email to [email protected] with the subject line 'Cancel membership' and include membership number, full name, address and date of birth for identification.
2. Ask for confirmation of cancellation and the refund timetable (refunds are processed according to Consumer Contracts Regulations).
3. Keep the sent email and any reply as proof.

Post detailed steps

1. Write a signed letter requesting cancellation, include membership number and contact details.
2. Send by registered post to MyRAC, Great Park Road, BS32 4QN Bristol, United Kingdom.
3. Keep the Royal Mail delivery receipt and a copy of the letter as proof of sending.

Cooling-off period (14 days)

You have a 14 day cooling-off right under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013. The 14 day period starts the day after the contract is made or the service begins or from when you received the contract information, whichever is later. If you cancel within 14 days and the service has not been used, you are entitled to a full refund; if service was used you may be charged proportionately.

Applicable law: Consumer Contracts Regulations 2013.

End of commitment / annual policies

For annual continuous policies, cancelling automatic renewal in myRAC settings stops renewal at the policy expiry date but does not end cover immediately. For policies paid annually or monthly, refunds and retained fees are calculated per the RAC terms. Only the lead member can cancel the policy.

Reference: RAC policy terms official terms.

Price increase

If RAC increases the price during your fixed contract and the terms allow you to cancel for that reason, you may cancel and request a refund for unused cover. Check your policy documents and contact RAC to confirm whether a price increase is accepted as a reason for termination under your contract.

Death of the subscriber

In the event of the subscriber's death, the policy executor or next of kin should contact RAC with a copy of the death certificate and membership details to close the account and request any applicable refund. Provide proof documents when asked.

Insurer, bank or car supplied cover

If your breakdown cover is included with insurance, a bank account or a car supply, cancellation must be done via the insurer, bank, dealership or manufacturer directly; cancelling myRAC settings will not end that cover. Reference: myRAC FAQs.

Legitimate grounds and evidence

Acceptable evidence depends on the reason: moving address requires proof of new address; price increase requires the notification; death requires a death certificate; insurer-provided cover requires contact details from the insurer. Applicable law: Consumer Rights Act 2015 (services must be performed with reasonable care).

Before you cancel: negotiate

Reported retention offers from RAC are not published in the available research. No specific retention discounts are listed in the official sources. If you want to ask for a discount or alternative, call 0330 159 1111 and ask the agent for any retention offers or reduced cover options. Script: state your intention to cancel, ask what alternative lower-cost cover options exist, request written confirmation of any offer and the new monthly or annual price.

What cancelling saves you - price math

myRAC app: free (no cost). Competing alternative example from research: Autodue app - £2.99 monthly or £32.89 annually.

Yearly cost comparison: Autodue monthly £2.99 x 12 = £35.88 per year. Autodue annual price stated as £32.89 per year. myRAC app cost = £0 per year. Savings from switching from Autodue annual plan to myRAC app: £32.89 - £0 = £32.89 per year. Savings from switching from Autodue monthly to myRAC app: £35.88 - £0 = £35.88 per year.

Key UK consumer law

The Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013 grant a 14 day cooling-off right for distance contracts. The Consumer Rights Act 2015 requires services to be performed with reasonable care and skill and prevents unfair contract terms. The Financial Conduct Authority (FCA) and Prudential Regulation Authority (PRA) regulate financial products where applicable.

Auto-renewal and unfair practices

The Competition and Markets Authority (CMA) considers hard-to-cancel subscriptions and unclear auto-renewal terms potentially unfair. If auto-renewal terms were unclear, raise the point in your complaint to RAC and include evidence from the sign-up page or policy documents.

How to escalate

1. Complain to the trader first using phone, email or registered post and keep evidence. 2. If unresolved and the policy is an insurance product, consider the Financial Ombudsman Service. 3. Seek guidance from Citizens Advice. 4. For card payments you may use Section 75 or a chargeback request via your card issuer if the payment qualifies.

Confirm access and coverage

After cancellation, keep the confirmation email or cancellation reference. If you turned off auto-renewal, your cover continues until the policy expiry date; check the expiry date in your myRAC account or confirmation email.

Final billing and refunds

If you are due a refund, RAC terms specify that refunds depend on whether and how the service was used and whether a cooling-off request applies. Typical retained amounts in RAC terms include an administration fee up to £25 or £50 and, where applicable, £85 per call-out. Refunds are processed in line with the Consumer Contracts Regulations 2013 (refund within 14 days where applicable).

Data and reactivation

Your account data remains with RAC; re-activation is possible by signing in again and purchasing cover or re-enabling membership. To re-join, use the myRAC app or the RAC breakdown cover page at RAC Breakdown Cover.

Use this checklist to cancel and protect your rights.

• Locate your membership number and lead member details.
• Decide your preferred cancellation channel (phone recommended: 0330 159 1111).
• If within 14 days of purchase, state 'I cancel under the Consumer Contracts Regulations 2013'.
• Ask the agent for a cancellation reference and written confirmation.
• Ask for the refund amount and whether any fees apply (administration up to £25 or £50; call-out charge £85 per call-out where used).
• If sending by post, use registered post to MyRAC, Great Park Road, BS32 4QN Bristol, United Kingdom and keep the delivery receipt.
• If unresolved, prepare a written complaint and escalate to the Financial Ombudsman Service or Citizens Advice as appropriate.