RAC

Why do I need personal accident insurance when I have life insurance?


Whilst having life insurance is a great way to ensure that your family are looked after in the event of your death, it won’t give them any support in the event that you are injured in an accident.  As a result of a serious accident, you could be left unable to work which could create great strain for your loved ones. 

Our personal accident insurance is designed to provide you with financial help in the event you are injured in a travel related accident.  Such an accident could have life changing consequences for you and your family such as:

  • Inability to work as a result of injuries sustained
  •  Hospitalisation as a result of the accident
  •  Permanent disability

Whilst personal accident cover isn’t a substitute for life insurance, it can provide a financial safety net for you, your partner and your family in the event you are injured or killed as a result of a travel related accident.  

The cash lumps received can be used in any way you choose, to help you or your loved ones alleviate financial worries at such a time.

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.