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RAC

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

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.

Personal Accident Insurance