Sales enquiries: 0844 891 3111

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.

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.