Annual Travel Insurance

  • With COVID-19 cover as standard
  • Enhanced COVID-19 Cover Add On

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Annual Travel Insurance

COVID-19 cover as standard

RAC Annual Travel Insurance keeps you covered all year round. Our annual policies offer COVID-19 protection as standard at no extra cost. So, whether you’re travelling on your own, with a partner or the whole family, we’ve got cover to suit you for all your trips. 

New policies sold from the 30th September 2020 include the following as standard:

tick.jpg Cancellation if you have a COVID-19 diagnosis within 14 days of departure

tick.jpg Emergency medical treatment and repatriation if you contract COVID-19 abroad

If you choose ‘Black cover’ you’re covered for unlimited medical expenses. 

^NEW Enhanced COVID-19 Cover Add On

You can now add Enhanced COVID-19 Cover to your annual policy for travelling anywhere in Europe. Adding it costs £15 and covers everyone on the annual policy. Simply select the ‘Enhanced COVID-19 Cover’ when you get a quote.

The Enhanced COVID-19 Cover Add On includes:

tick.jpg Full cover if you visit Europe even when the FCDO advises against all but essential travel if the advice solely relates to COVID-19

tick.jpg Cancellation due to self-isolation if you’re contacted by UK Test and Trace System

tick.jpg Cancellation if you have an adverse reaction to a COVID-19 vaccine

tick.jpg Cancellation for incomplete COVID-19 vaccinations due to illness

This cover is only available to customers travelling to a country within Europe who have taken vaccinations when offered to them. The RAC 10% member discount** is not valid on the Enhanced COVID-19 Cover Add On. For full details and exclusions of the COVID-19 cover provided on new policies take a look at our policy booklet.

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.

COVID-19 update

It is essential that you check the latest Foreign, Commonwealth and Development Office (FCDO) advice for your destination before you travel. Our travel insurance policies do not provide cover for travel to an area where the FCDO advises against all or all but essential travel.

You will need to purchase an Enhanced COVID-19 Add On to cover you for travelling to countries in Europe against FCDO advice (if that advice relates solely to

Stay up to date with the latest travel advice on the FCDO website. Please continue to check our FAQ's regularly.

RAC Member and Car Insurance policyholder discount**

RAC members and RAC Car Insurance policyholders save 10% on single trip, annual multi-trip or family 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
COVID-19 protection COVID-19 protection COVID-19 protection
£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
£500 hospital benefit
(max £20 per day)
£1,500 hospital benefit
(max £50 per day)
£2,000 hospital benefit
(max £50 per day)
£250 gadget cover £250 gadget cover £500 gadget cover
£400 personal money £500 personal money £750 personal money
£25,000 legal expenses £25,000 legal expenses £25,000 legal expenses

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.

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


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 £3.99††


Pay-by-day car insurance from 1 hour-30 days



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, extended gadget cover or the Enhanced Covid-19 Cover Add On. The offer can be withdrawn or amended at any time.

* Calls from landlines may be charged up to 9p per minute, plus a 15p call set up fee. Calls from mobiles may cost between 8p and 40p per minute. Calls may be monitored and/or recorded.

^ Our Enhanced Covid-19 Cover Add On covers you for travel within Europe even when the FCDO advises against all but essential travel if the advice solely relates to COVID-19. This cover is only available to customers who have taken vaccinations when offered to them. 

†† 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. Firm Reference Number 769884. 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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