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RAC

Personal accident insurance glossary


Accidental Death - if an insured person sustains a bodily injury as a result of a private motor vehicle, pedestrian or passenger accident which within 52 weeks is the only cause of death.

Permanent Disability - if an insured person sustains a bodily injury as a result of a private motor vehicle, pedestrian or passenger accident which within 52 weeks is the only cause of permanent disability

Temporary disability - A state of incapacity, which totally prevents the insured person from engaging in their paid employment (including self-employment). If an insured person has no paid employment (including self employment) then the disability must require confinement to the home or hospital under the orders of a medical practitioner.

Bodily injury - A bodily injury which is the direct result of an accidental, external, violent and visible cause, including accidental injury as a direct result of being exposed to the elements. This does not include an injury caused by sickness, disease or any naturally occurring condition or process.

Eligible children - All your children, stepchildren and legally adopted children who, at the time of sustaining a bodily injury, are over 30 days and under 19 years of age, single and permanently living with you or your partner (including children in full-time education who normally live with you outside term time).

Fare-paying passenger - An insured person who has either paid a fare, made a contribution to, or the fare has been paid for them, so they may travel on a public transport service.

Hospitalisation - Being admitted to a hospital as an in-patient for a period of at least 24 hours on a medical practitioner’s advice.

Insured person - The insured person or persons are you, your partner, if named on the policy and your eligible children, if included on the policy.

Partner - Your spouse or partner who permanently resides with you in a domestic relationship (as named on the schedule).

Period of insurance- The period you are insured for. 

Private motor vehicle - Any road vehicle which is built or adapted to carry not more than 9 persons (including the driver)

Private motor vehicle, pedestrian or passenger accident - An accident occurring to an insured person when:

  • Getting into, driving in, riding in or getting out of any private motor vehicle or
  • Struck by any kind of vehicle whilst as a pedestrian or pedal cyclist on a public thoroughfare or
  • As a fare-paying passenger boarding, travelling in or getting out of
    • Any bus, train, taxi, ship, ferry or hovercraft or
    • Any fully licensed passenger carrying aircraft forming part of a registered commercial airline.

For further information read our key facts and policy wording.


RAC Insurance is a trading name of RAC Financial Services Limited. RAC Financial Services Limited is authorised and regulated by the Financial Conduct Authority, registered in England No. 5171817. Registered Office: RAC House, Brockhurst Crescent, Walsall, WS5 4AW.

This policy is administered by FirstAssist Insurance Services, which is a trading style of Cigna Insurance Services (Europe) Limited. Cigna Insurance Services (Europe) Limited is registered in England & Wales No. 4617110. Registered Office: Chancery House, St Nicholas Way, Sutton, Surrey SM1 1JB. Cigna Insurance Services (Europe) Limited is authorised and regulated by the Financial Conduct Authority.

This insurance is underwritten by Cigna Europe Insurance Company S.A.-N.V. UK Branch Chancery House, St Nicholas Way, Sutton, Surrey SM1 1JB. Registered in Belgium with limited liability (Brussels trade register no. 0474624562), Avenue de Cortenbergh 52, 1000 Brussels, Belgium. Subject to the prudential supervision of the National Bank of Belgium, Boulevard de Berlaimont 14, 1000 Brussels (Belgium) and to the supervision of the Financial Services and Markets Authority (FSMA), rue du Congrès 12-14, 1000 Brussels (Belgium), in the field of consumer protection and subject to limited regulation by the Financial Conduct Authority. Details of the extent of our regulation by the Financial Conduct Authority are available on request. You can check this information on the Financial Services Register by visiting the website www.fsa.gov.uk/register/home.do.