What's the deal?
RAC's basic membership costs £33 for a year online, but currently it's possible to get a one-off £22 cashback via special sites, making the total price £11. Alternatively if you're a Tesco shopper and have Clubcard deals, you can pay with those to get it from £14.
Full details of both below and to see how it compares with non-loophole routes read the Cheap Breakdown Cover guide.
The Cashback Sites Route
Pay £33 and get £22 cashback = £11 for the year
What are they?
Cashback sites are simply special sites that list product providers and retailers, and when you click through them, they get paid for ‘providing leads’. Yet if you're a member (which is free) they give you some or all of what you earn it back.
What's the deal with the RAC?
Right now, sign up to the breakdown cover via a cashback site and you can get up to £22 cashback for doing it. You could also opt for higher cover, and get the same (or increased cashback at higher levels); though then it's a lower effective discount. Last time there was an equivalent deal, it was pulled quickly so do ensure you go fast.
The following are the top paying cashback sites
Topcashback: Pays £22 to all Link: Topcashback
Cashback Kings: Pays £22 but if you're new it takes the first £5 you earn each year (though if you switch to it from a different cashback site it'll waive your fee (read the details). Link: Cashback Kings
Quidco: Pays £21 but if you're new it takes the first £5 you earn each year. Link: Quidco
Wepromiseto: Pays £21 but if you're new it takes the first £5 you earn each year. Link: Wepromiseto
Warning! The cashback isn't 100% guaranteed
While there shouldn't be a problem with these deals; the payout on cashback sites is never guaranteed, as if there's a dispute with the retailer and the cashback site doesn't get paid - nor do you.
My suspicion is while this deal lasts, most people should get the payout. The cashback deal a day or two ago was higher, in fact some people were being paid to get policies. Yet at least one cashback site has informed the RAC it's doing this (which led to the cashback dropping) so as it's aware, that means it's far less likely to renege later.
If you're new to cashback sites, it's important you read all the pros, cons and warnings in the Top Cashback Sites article before doing this.
The Tesco ClubCard Vouchers Route
Pay with Clubcard points and get it 1/4 high st. price
For those that shop at Tesco's, instead of spending them instore you can swap them for Clubcard Deals vouchers which are worth four times the face value.
One of the deals available is RAC cover; the basic cover will cost you £14 in clubcard vouchers (a quarter of the non-online price) and you can get higher end policies at a quarter of the price. For more info read the article Breakdown Cover: Get RAC cover at 1/4 of the price
What does the cover include?
This is for RACs most basic cover which gives you roadside assistance anywhere in the UK 24 hours a day providing you are a quarter of a mile away from home. It doesn't offer home start cover. If your car can't be fixed by the roadside you'll be towed to a garage within 10 miles.
Want more than the basic cover? It's still possible for around £36
This is a quick tip based on the cashback loophole, yet it's not that much more expensive to get cover including home start and onward travel; without any loophole. Full details are in the Breakdown Cover: Get the cheapest article
Thanks to those already discussing it on the forums, we started a new thread for the email so we could give MoneySavers the full low down.
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Topic: Loophole! RAC cover for £11 (Read 877 times)