RAC

What are the benefits of personal accident insurance?

The cover available under personal accident is determined by the plan that you select according to your needs.

There are three levels of cover available to choose from offering you the following cash benefits:

Benefits Bronze Silver Gold
Accidental Death Benefit £100,000 £150,000 £200,000
Permanent Disability Benefit £100,000 £150,000 £200,000
Hospitalisation Benefit £100 per day up to 365 days  £150 per day up to 365 days  £200 per day up to 365 days 
Temporary Disability Benefit £100 per week up to 52 weeks £150 per week up to 52 weeks £200 per week up to 52 weeks

Policies can be purchased to cover just you or you can add your partner (so long as you are both UK residents, aged 18 – 79). If you have children aged between 1 month and 19 years, you can cover them as well under our family option.

If you are under 25 years of age or over 65 then all benefits are halved. To ensure you are fully aware of the level of cover provided please refer to our key facts and policy wording for more information.

Cover will cease after you reach age 85.

The cover and level of benefits provided for children is different from the cover provided for you and your partner. To ensure you are fully aware of the level of cover provided for children please refer to our key facts and policy wording for more information .

Each year at your renewal, the benefits and premium will be increased by 5% to protect your benefit payments from the effects of inflation.

Further terms, conditions and exclusions apply – make you sure you 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.

The insurance policy is underwritten by Great Lakes Reinsurance (UK) PLC. Great Lakes Reinsurance (UK) PLC is registered in England and Wales No. 2189462. Registered Office at Plantation Place, 30 Fenchurch Street, London EC3M 3AJ. Great Lakes Reinsurance (UK) PLC is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. You can check this information on the Financial Services Register by visiting the website www.fsa.gov.uk/register/home.do.