RAC

In what instances aren’t I covered by my RAC personal accident insurance?


There will be some instances, where you will not be covered by personal accident insurance, which will mean that you will not be eligible to receive any cash benefits.  The following are some examples of instances that aren’t covered:

  • If you are driving with more alcohol in the blood than is allowed by law
  • If you are motorcycling (including riding mopeds and motor tricycles) as a driver or passenger
  • If you are driving a vehicle where the insured person does not hold a current British or European driving licence to drive such a vehicle
  • If you are driving a vehicle without valid insurance
  • If you are engaging in or practising for racing, rallies, trials or speed tests
  • If your injuries are a result of intentional self-inflicted injury, suicide or attempted suicide

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 www.fsa.gov.uk/register/home.do.