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What is the cost of having an accident?


Accidents cannot be foreseen and may happen when you least expect it from a financial perspective.  Depending on the injuries you sustain you could be impacted by costs including:

  • Loss of income whilst recovering in hospital 
  • Loss of income if temporarily disabled
  • Additional costs for staying in hospital i.e. car parking costs for your family to visit and incidentals such as TV and telephone costs to make your recovery comfortable 
  • Child care costs if you or your partner were to suffer an accident and be either temporary disabled or recovering in hospital
  • Cost of travelling by taxi if you were temporary disabled and needed to get to hospital for regular check-ups as part of your recovery
  • Costs for adapting your home if you were to suffer a life changing injury that meant you needed to change your living accommodation
  • Mortgage payments and bills if you could not work temporarily or you could not return to your original work due to permanent injuries 

The cash benefits of our personal accident insurance can help to remove the financial worries of paying the everyday cost of living if you or your partner were injured as a result of a travel accident.

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.

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