10% off RAC Travel Insurance for trips worldwide^

For members and RAC Car Insurance customers

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Annual Travel Insurance

RAC Travel Insurance is here to keep you covered all year round. Whether you’re travelling on your own, with a partner or with the whole family, we’ve got the cover to suit you for all of your trips.

Emergency medical expenses and 24/7 helpline

Lost and delayed luggage

Airline failure and cancellations

Or phone us for a quote on 0330 159 0412

Lines open Monday to Friday, 09:00-17:00, Saturday 09:00-17:00 and closed Sundays.

Due to the government's coronavirus travel restrictions, the earliest start date for new single trip policies will be the 17th May 2021 onwards. For customers purchasing an annual multi trip policy, there is no cover for travel prior to the 17th May 2021 unless non-essential International travel is permitted before this date.

Please check the latest Foreign, Commonwealth & Development Office (FCDO) advice before travelling. Our Travel Insurance policies do not cover travel undertaken to an area where the FCDO advise against all or all but essential travel. Our policy coverages have changed since the COVID-19 outbreak, please always check your policy schedule and terms and conditions.

RAC Member and Car Insurance policyholder discount^

RAC members and RAC Car Insurance policyholders save 10% on Single Trip or Annual Multi-Trip policies with RAC Travel Insurance. Enter or quote your membership or policy number at the time of purchase and we'll automatically apply your discount.

Our cover levels

We’ve got three levels of 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 Silver Cover Black Cover
£3,000 cancellation cover £5,000 cancellation cover £7,500 cancellation cover
£10m emergency medical expenses £15m emergency medical expenses Unlimited emergency medical expenses
£1,250 for personal belongings £2,000 for personal belongings £3,000 for personal belongings

Why choose RAC Travel Insurance?

With RAC Travel Insurance you won’t have to worry about the costs involved with loss of documents, baggage or passports, we’ll also help you with the expenses you may incur in having to cancel or cut short any excursions that you’ve booked.

We’ll cover as many of your trips as you need throughout the year, with a maximum duration of 62 days for each trip under our Orange and Silver levels of cover, and 92 days on our Black cover level.

Travel advice before you leave

Before travelling, we advise that you check our Travel Advice page as this will provide you with information from the Foreign & Commonwealth Office regarding any worldwide concerns which may affect your travel, and your policy.

If you have a query about your policy, would like to renew or make a claim, find all the contact details here


If you have a query regarding RAC Travel Insurance, read our frequently asked questions


An extensive glossary of all the terms relevant to your RAC Travel Insurance policy

We also offer

Travel insurance with Covid-19 cover from RAC, choose from single trip or annual multi trip insurance. Get your holiday insurance quote today to find out how much you could save.

RAC Travel Insurance will make sure that you have cover for the whole family when you go away


We want you to be able to relax on your holiday, so we offer medical Travel Insurance to help you should you need it


Whether you’re travelling just once, or taking to the slopes several times throughout the year, we’ll ensure that you’re covered


Make sure your smartphones and tablets are covered on holiday by adding our optional Enhanced Gadget cover to your policy.


Protect yourself from unexpected costs when hiring a car. Daily cover from the equivalent of £2.99††



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. Trips must begin and end in the United Kingdom.

If I buy the Annual Multi-Trip policy, how many days am I covered for during the year?

Single Trip Cover

The maximum duration for any one trip is 94 days. There is no upper age limit for Single Trip cover.

Annual Multi Trip Cover

The maximum duration of any one trip is 62 days for Orange and Silver cover, and 92 days for Black cover. The upper age limit for Annual Multi Trip cover is 80 years at the start date of the policy.

What happens when I need to renew my Annual Multi-Trip policy?

We will remind you at least three weeks before your policy is due to expire and give you instructions on how to renew.

^ You must have a standalone RAC Breakdown policy or RAC Car Insurance policy and provide your membership or policy number at the time of purchase to qualify for the 10% discount. RAC Travel Insurance must be purchased directly from us and this discount is not available on price comparison websites. The discount will not apply to premiums for pre-existing medical conditions or extended gadget cover.  The offer can be withdrawn or amended at any time.

††Based on UK resident buying a single trip policy to cover 10 days car rental in Europe.

RAC Insurance is a trading name of RAC Financial Services Limited. Registered in England and Wales No. 5171817. Registered office: RAC House, Brockhurst Crescent, Walsall, WS5 4AW. RAC Financial Services is authorised and regulated by the Financial Conduct Authority. Financial Services Register No. 313989. RAC Travel Insurance is administered by Hood Travel Limited 52/54 Alexandra Street, Southend on Sea, Essex, SS1 1BJ. Registered in England No. 08318836. Hood Travel Limited is authorised and regulated by the Financial Conduct Authority. Financial Services Register No.597211. Hood Travel is an insurance intermediary providing a non-advised service. We act for and on behalf of the insurer.  RAC Travel Insurance is underwritten by Great Lakes Insurance SE, a German insurance company with its headquarters at Königinstrasse 107, 80802 Munich. UK Branch office: 10 Fenchurch Avenue, London, EC3M 5BN, company number SE000083. Great Lakes Insurance SE, UK Branch, is authorised and regulated by Bundesanstalt für Finanzdienstleistungsaufsicht. Deemed authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website.

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