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RAC logovsGEM Motoring Assist logo

RAC vs GEM

A detailed comparison of RAC and GEM Motoring Assist breakdown cover.

Verdict

Pick GEM.

Best score, and the cheaper of the two.

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Feature Comparison

FeatureRACGEM
Latest Public PriceQuote-basedQuote-based
Starting Price£5.29/mo£1.91/mo
Annual PriceQuote-based£22.90/year
Roadside Assistance
Home Start
National Recovery
Onward Travel
European Cover
Personal Cover
Vehicle Cover
EV Supportgoodbasic
Callout Limit5 callouts per yearUnlimited

CoverKit Scores

CategoryRACGEM
Value Score74/10070/100
Family Score80/100100/100
EV Score75/10050/100
Older Car Score50/10080/100
Budget Score57/10050/100
Premium Score95/10095/100
RAC

RAC, publicly showed entry pricing from £5.29 per month in this crawl, and publicly referenced home start, national recovery, onward travel.

Latest tracked public price

£5.29/mo

Snapshot: 6 Jun 2026

GEM Motoring Assist

GEM Motoring Assist, looked more quote-led than fixed-price-led in this crawl, and publicly referenced home start, national recovery, onward travel.

Starting from

£1.91/mo

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