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What is the cost of personal accident insurance?

The cost of our personal accident insurance starts for less than 37p per day*. Plus the first 3 months of cover are free1!

To help you manage your monthly household income, you can pay by monthly direct debit.

The premiums for each level of cover are listed below: 

Monthly Premiums Bronze Silver Gold
Insured only £6.50 £9.50 £11.00
Insured and partner £12.00 £17.00 £20.50
Insured and eligible Children £8.00 £11.00 £12.50
Family £13.50 £18.50 £22.00

Key pricing features:

  • Cover your partner for less than the price of 2 single policies 
  • Include your children for just an additional £1.50 only on any cover level you decide to choose
  • The first 3 months are free1
  • No fees for monthly payments

For further information read our key facts and policy wording.

* Monthly premium for the Gold Plan. Insured Only cover is £11 a month including insurance premium tax (IPT) at the current rate. This equates to an annual premium of £99. There are 3 levels of cover available.

1 FirstAssist Insurance Services reserves the right to vary or withdraw this offer at any time. This offer is not available in conjunction with any other offer. The offer is subject to availability. The 3 months free cover applies to the first year of insurance only. Terms and conditions apply.

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