What is annual travel insurance?
Annual multi-trip travel insurance covers all your journeys under one plan. Instead of buying insurance for every trip, you get year-long cover with one setup. This plan is great for frequent travellers and can save you time and hassle. With RAC Annual Travel Insurance, you can get cover for as many trips as you need throughout the year – up to 45 days with the Black cover level. Whether you travel alone or with your family, you can enjoy every trip with full protection all year round.
We've partnered with Hood to offer annual travel insurance that helps protect you on every trip you take.
Emergency medical expenses and 24/7 helpline
Lost and delayed luggage
Cancellation cover
Cover levels
There are three levels of annual travel insurance cover available with varying benefits, so you can find the right cover to suit your needs, letting you relax and enjoy your holidays throughout the year.
Orange cover
Up to £3,000 cancellation cover
£10m emergency medical & repatriation expenses
£1,250 for personal possessions
£500 hospital benefit (max £20 per day)
£500 gadget cover
£400 personal money
£25,000 legal costs & expenses
£100 excess
Silver cover
Up to £5,000 cancellation cover
£15m emergency medical & repatriation expenses
£2,000 for personal possessions
£1,500 hospital benefit (max £50 per day)
£500 gadget cover
£400 personal money
£25,000 legal costs & expenses
£50 excess
Black cover
Up to £7,500 cancellation cover
£20m emergency medical & repatriation expenses
£3,000 for personal possessions
£2,000 hospital benefit (max £80 per day)
£500 gadget cover
£750 personal money
£25,000 legal costs & expenses
£0 excess
Limits and exclusions apply to each cover level. For example:
- Excesses apply to Orange and Silver cover levels, unless you purchase excess waiver cover when you take out your policy.
- Personal money is excluded from baggage cover.
- Gadgets are covered under gadget cover for up to £500 as standard, depending on the level of cover chosen.
- If you decide to cancel your trip for a reason other than those listed in the policy wording, your cancellation claim will not be covered.
You should refer to your policy wording for all the limits on cover, conditions and exclusions.
What’s not covered?
Here are some of the things that aren't covered:
- Medical conditions unless approved in writing.
- You must have the proper passport, visa, and travel permission to be covered.
- Cancellations for reasons that aren’t listed in your policy.
- The loss or theft of money if you do not report it to the police within 24 hours (or as soon as possible) and provide a written report.
What are the benefits of a multi-trip policy?
Annual travel insurance is a great choice for those who take several trips every year. With one simple setup, you get cover for the whole year. This means you won’t need to worry about buying insurance each time you travel, even for a last-minute holiday. It’s not only convenient, but it could also save you money compared to buying a new policy for every trip. With RAC Annual Travel Insurance, there’s cover for many pre-existing medical conditions, ensuring peace of mind throughout the year.
How does it work?
Annual travel insurance works by protecting you for several trips in one year under a single plan. There will be a limit on how long each individual trip can last. With the Orange and Silver cover, you have up to 31 days. Whereas, with the Black cover it’s 45 days. You usually don’t have to schedule all your trips in advance or notify your insurer each time you plan a new trip. As long as you follow your policy rules, you should be automatically covered. You can often buy the plan and start travelling right away. To get a quote, you usually need to provide details such as:
- Your travel regions (for example, Europe or worldwide)
- The start date of the policy
- Ages of those who need cover
- Any pre-existing medical conditions
Boost your cover with optional extras
Enhanced gadget cover
Get enhanced gadget cover for additional cover against accidental damage, theft or loss of your gadget or devices. Terms apply.
Winter sports cover
With winter sports cover, get extra cover for ski equipment, piste closures, accommodation issues and more. Terms apply.
Cruise cover
You’ll be covered for medical cabin confinement, missed ports, unused excursions and more. Terms apply.
Still not sure? Find answers to your questions
RAC Travel Insurance policies do not cover single direction trips, and do not cover you if you are not a permanent resident in the UK (excluding the Channel Islands and the Isle of Man). Trips must begin and end in the UK.
The maximum duration of any individual trip is 31 days for Orange and Silver cover, and 45 days for Black cover.
Unless you no longer meet the eligibility criteria, RAC Insurance will send you your renewal invitation for your annual multi-trip policy 21 days before your renewal which will include your premium for the next year.
You’re covered for trips in the UK if you have booked at least 2 consecutive nights at least 70 miles from home.
You’ll be covered to travel as many times as you like during the policy period, as long as no individual trip exceeds the maximum trip duration allowed under your chosen level of cover.