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Personal Accident Insurance

Financial help if you’re involved in a travel related accident for less than 39p per day1

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No one likes to think about having a road traffic accident but they do happen more often than you might think. In the UK there are estimated to be over 14,000 road traffic accidents each week, that’s 730,000 each year*. We generally don’t spend time considering what the implications would be on our everyday life if we were involved in an accident but they can be wide spread. Personal Accident Insurance can provide financial support to help with the practical things.

Accidents happen when you least expect them, even if you take every precaution to avoid them. Depending on the injuries you sustain, this can have a huge impact on your life from a physical, emotional and financial point of view.  

Personal Accident Insurance will provide you with cash payments if you or your family are affected by an accident. This gives you much needed financial support at what can be a difficult time, allowing you to concentrate on the important things like getting better. Find out more about these cash benefits.

Cover includes:

  • Up to £200,000 in cash benefits
  • 3 months free cover**
  • Choice of three cover levels
  • No medicals required, worldwide cover
  • Cover for less than 39p per day1
  • The option to include your partner and children on your policy

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Personal Accident Cover

 Many people who have a road traffic accident need to have time off work to recover but there are also lots of other things you may not be able to do for a while, such as taking the kids to school or doing the housework.

Personal Accident Insurance can cover you should you or your family be impacted by a road traffic accident by providing cash amounts to pay for some of the things which may help with at this difficult time.

How can Personal Accident Cover help me?

  • Can help to replace some of the income you may lose by being unable to work.
  • Help to cover Mortgage and bill payments if you’re not able to work temporarily or you could not return to your usual work due to permanent injuries.
  • Pay for any help needed at home should you be out of action. This might include help with childcare, cleaning or home maintenance.  
  • Pay for taxis if you are unable to drive. This could include transport to any appointments you may need to attend but could also be used to pay for taxis for the family to visit you in hospital or any family taxi duties you usually perform.
  • Help to cover the costs of adapting your home if you were to suffer a life changing injury that meant adapting your living accommodation.

Peace of mind from only £6.99 a month2

Whilst we all like to hope that we have friends and family who could help out at this difficult time, wouldn’t it be reassuring to know you could pay for additional help if you needed to.

Find out about our cover levels

Alternatively for further information on Personal Accident Insurance, speak to one of our RAC advisers on 0330 102 6552^ and quote reference: 8621PA.

Monday - Friday: 9am - 5pm

* ROSPA website – article 6/4/14. 730K per year
** Cigna 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.

1 Monthly premium for the Gold Plan. Insured Only cover is £11.50 a month including insurance premium tax (IPT) at the current rate. This equates to an annual premium of £103.50. There are 3 levels of cover available.

2 Based on our bronze level of cover on an insured only basis.

^ 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.

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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