Insurance

Frequently asked questions

Please read our FAQs section to find answers to the most common travel insurance related questions.

• Single Trip or Annual Multi-trip travel option?
• What confirmation of cover do I have?
• Can I travel without my documents?
• My age will change during the insurance duration, will this affect my cover?
• When does my cover start?
• Am I covered for a winter sports trip?
• Does the insurance cover business travel?
• Can people travel independently on a travel policy?
• What happens if I have to make a claim?
• Will I be covered for emergency air ambulance back home?
• What do I do if I want to cancel my insurance after I have paid?
• What do I do if I'm over 69 years of age?

Our answers

Single Trip or Annual Multi-trip travel option?

If you are likely to be going on more than one trip a year, you may well find that by taking our Annual insurance to protect your travel needs, it will work out more cost effective than taking a separate insurance each time you travel.

What confirmation of cover do I have?

When you purchase our travel insurance we will provide you with an insurance reference number which confirms your cover. We will also send you written confirmation of your insurance details and an insurance booklet.

Can I travel without my documents?

Yes, an insurance reference number is all that is required for proof of insurance when travelling; however, we recommend you take the helpline numbers with you when you travel. This will be provided with your insurance documentation.

My age will change during the insurance duration, will this affect my cover?

Your age will be calculated from the date of taking the insurance, regardless of it changing during the period of cover.

When does my cover start?

Single Trip travel insurance - Cancellation cover will start from the date we issue the insurance, the rest of your cover will start on your intended departure date.

Annual Multi-trip travel insurance - Cancellation cover under this insurance begins from the start date of the insurance or the date of booking each holiday, whichever is later.

Am I covered for a winter sports trip?

Single trip travel Insurance - winter sports holidays can be covered throughout the duration of your trip for an additional premium.

Annual Multi-trip travel insurance - winter sports holidays can be covered up to a total of 21 days within the period of insurance for an additional premium.

Does the insurance cover business travel?

Business Travel cover is an option available on both our Single Trip and Annual Multi-trip insurance (up to a maximum of 5 trips per year) so long as the trip involves clerical and administrative tasks.

Can people travel independently on a travel policy?

Adults can travel independently; however, children under 16 must be accompanied by an adult insured on the same policy.

What happens if I have to make a claim?

We appreciate how important effective claims handling is, and our specialist team are here to provide you with the service you expect from RAC. For claims advice call us on the following 24-hour number 0800 015 1426 or (+44) 1603 208 147 from abroad. In addition we also provide a worldwide 24-hour emergency medical helpline, which is designed to help you when you most need it, regardless of the time of day (or night), call (+44)1603 208145. For Legal Expenses Claims or Advice call 01603 208446 or (+44)1603 208446 from abroad.Whatever your problem, you know that friendly help is only a phone call away.

Will I be covered for emergency air ambulance back home?

If absolutely necessary, provision has been made for this type of incident.

What do I do if I want to cancel my insurance after I have paid?

You have the statutory right (under Financial Service Authority rules) to cancel Your Insurance within 14 days of receipt of Your Insurance documentation. If you wish to do so you will be entitled to a full refund of the premium paid provided you have not travelled, and there has been no claim or incident likely to give rise to a claim. To exercise your right to cancel, please telephone 0800 404 6347. If You do not exercise Your right to cancel Your policy, it will continue in force and You will be required to pay the premium. For your cancellation rights outside the statutory cooling off period, please refer to the General Conditions section of your insurance booklet.

What do I do if I'm over 69 years of age?

RAC Direct Insurance are only able to provide cover for travellers aged 69 years and under. However, our business partner All Clear are able to provide cover for travellers aged 70 years and over. Get further information or a quote.

Quotations are valid for 30 days.