Sales enquiries: 0330 159 1111

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.

Get covered online today or find out more

Call 0330 102 6552^ and quote reference: 8621PA

Monday - Friday: 9am - 5pm

Get a quote

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.