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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

Get covered online today or find out more

Call 0330 102 6552^ and quote reference: 8621PA

Monday - Friday: 9am - 5pm

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For further information read our key facts and policy wording.


^ 03 numbers are charged at national call rates and are usually included in inclusive minute plans from landlines and mobiles. Calls may be recorded and/or monitored.

RAC Insurance is a trading name of RAC Financial Services Limited registered in England No. 5171817. Registered Office: RAC House, Brockhurst Crescent, Walsall, WS5 4AW. This policy is administered by Cigna Insurance Services (Europe) Limited registered in England No. 4617110. Registered Office: Chancery House, St Nicholas Way, Sutton, Surrey SM1 1JB. Both companies are 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 SM1 1JB. Cigna Europe Insurance Company S.A.-N.V. is supervised in Belgium by the National Bank of Belgium and the Financial Services and Markets Authority, and subject to limited regulation by the Financial Conduct Authority. Details about the extent of our regulation by the Financial Conduct Authority are available from us on request.