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What is personal accident insurance?

RAC’s personal accident insurance provides you with financial protection if you are in a travel related accident, anywhere in the world.

With RAC, you are protected against road and travel related accidents as a driver, a passenger or a pedestrian.   And what’s more, your first 3 months are absolutely free1!

If you were to suffer such an accident, you could receive a tax free lump sum payment** for a serious injury, a weekly cash benefit if you are temporarily unable to work, money for each day spent in hospital, and if your were in a fatal accident your estate would receive a lump sum.

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

  • Up to £200,000 in cash benefits
  • Choice of 3 cover levels available
  • Option to cover your partner and your children
  • No medicals required
  • Available to anyone over 18 and under 79 at time of joining. cover ceases at 85
  • Affordable monthly premiums with cover starting for less than 37p per day*

Further terms, conditions and exclusions apply – make sure you read our key facts and policy wording

* 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.

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.

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

Personal Accident Insurance