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RAC

What is covered with our personal accident insurance?


With RAC’s personal accident insurance you’re covered for:

  • Travel related accidents in the UK and worldwide
  • Road accidents whilst driving your car even if it is not your fault
  • Whilst you have broken down or making emergency roadside repairs
  • Whilst travelling by public transport as a fare paying passenger by bus, taxi, train, ferry, ship or plane
  • If you are knocked off your bicycle by a vehicle
  • Accidents that may occur whilst getting into or alighting from a vehicle
  • If you are a passenger in someone else’s car

RAC personal accident insurance will pay out cash benefits in instances of accidental death, permanent disability, hospitalisation and temporary disability as result of a travel related accident both within the UK and abroad.

Accidental Death Benefit 

Our accidental death benefit will pay out up to £200,000 as a lump sum payment to help your family stay out of financial difficulty in the event of your death.

Permanent Disability Benefit 

If you are left with permanent disabilities as a result of an accident, then RAC's personal accident insurance will pay up to £200,000 in permanent disability allowance to help support you and your loved ones.

Hospitalisation Benefit 

RAC's personal accident insurance will pay up to £200 a day for a year in the event that you are admitted to hospital as a result of being involved in an accident.

Temporary Disability Benefit

If you are left with a temporary disability as a result of being involved in an accident, our temporary disability benefit will help you to cover costs such as mortgage payments whilst you are unable to work due to your accident.

There are no exclusions for pre-existing medical conditions and no medical or health questionnaires are required in order to take out a personal accident policy. 

Further terms, conditions and exclusions apply – make 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.

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.