Sales enquiries: 0844 891 3111


Personal Accident Insurance

Financial help if you’re involved in a travel related accident for less than 37p per day*

Get a quote

Cover up to £200,000 and get the first 3 months of cover free1.

Personal Accident Insurance from the RAC is there for you when you need it. You don’t expect to get caught up in an accident during your travels – whether it’s on the road, or as a passenger in a train, ship, ferry or plane – but when it happens, the injuries sustained can be significant.

Our cover will give you peace of mind, and is designed to provide you with financial help should you receive serious injury during a road or travel accident.

Personal Accident Insurance will cover you for:

  • Driving or being a passenger in a car or small van
  • As a bus, taxi, train, ship, ferry or plane passenger
  • As a pedestrian or cyclist if you're hit by a vehicle


  • Include your partner and children on your policy
  • Get lump-sum payments, tax free under current tax legislation**
  • Get the specific cover you need - for example, add driving a moped or motorcycle for an additional premium.

What is Personal Accident?

Personal Accident cover will protect you in the event of a serious injury or disability sustained during a road or travel accident. It can help with hospital or recuperation costs, or loss of earnings while being out of work.

You can insure yourself only, or include your partner and children on your policy. Financial benefits depend on the level of cover; and will cover accidental death, permanent disability, hospitalisation and temporary disability.

View the policy wording and key facts about the cover.

Get covered online today or find out more

Call 0845 702 3670 and quote reference: 8621PA

Monday - Friday: 9am - 5pm

Get a quote

Get covered today or call us 0845 702 3670 and quote reference: 8621PA to find out more.

Monday - Friday: 9am - 5pm

* 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.

** Temporary Disability benefits may be subject to income tax.

0845 calls are typically charged at between 1p and 11p per minute, and often include a call set-up fee of up to 14p. Calls may be monitored and/or recorded.

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

Why choose RAC?

Peace of mind anywhere in the world

  • Get immediate cover online - for you and your family.
  • Up to £200,000 tax-free for fatal accidents or permanent loss of limbs or sight
  • £200 per week temporary disability benefit if you've been off work for 2 consecutive weeks (payable for up to 2 years).
  • £200 per day for each day spent in hospital (payable for up to 1 year)
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