Travel Insurance - Glossary of Terms

Below is a summary of terms relevant to your RAC Travel Insurance policy. For full, expanded explanations please check your Policy Wording.


A sudden, unexpected, specific, violent, external, visible event which occurs at a single identifiable time and place.

Associated Condition

A medical condition that has a higher likelihood of occurring if you have a particular pre-existing medical condition than if you did not have that pre-existing medical condition.
If you do not disclose your pre-existing medical condition(s) you will not be covered for any conditions associated with your pre-existing medical condition(s), which would have been advised to you had you declared these as requested.


An associate in the same employment as you in the UK, whose absence from work necessitates your stay in or return to the UK.


The amount you pay when you make a claim. This applies to each incident for each insured person.

An exclusion is something that is not covered under the insurance policy. As with all insurance, this policy has benefits, exclusions and conditions. For full details of all the exclusions you must refer to the Policy Wording.


You, your spouse, your civil partner or the person (whether or not of the same sex) with whom you are permanently cohabiting in a marriage-like relationship together with your children, stepchildren, adopted children, foster children and grandchildren who are aged 17 or under at the start of the insurance period.


The item(s) insured by this policy, owned by you and shown within the relevant proof of purchase. A gadget can be any one of the following items:
Mobile phones, tablets, laptops and PC’s (including custom built), digital cameras, PC monitors, MP3 players, games consoles, video cameras, camera lenses, Bluetooth headsets, satellite navigation devices, PDAs, e-readers, head/earphones, portable health monitoring devices (such as a blood glucose or blood pressure testing kit), wearable technology (such as a smart watch or a health and fitness tracker).

Golf Equipment

Golf clubs, golf balls, golf bag, golf trolley, golf shoes and essential clothes which you own or hire.

GP GP stands for General Practitioner, a qualified medical doctor who you are registered with in the United Kingdom.


Your usual permanent place of residence in the UK.

Insurance Period

The period during which you have cover under your policy. This is shown on your travel insurance certificate and schedule.

Insured Person/You/Your

Any person named on your travel insurance certificate and schedule.


Sections 1-6, 8-11, and 13-21
Great Lakes Insurance SE.
Section 7
DAS Legal Expenses Insurance Company Ltd.
Section 12
Liberty Mutual Insurance Europe SE, provided by International Passenger Protection Limited.

Permanent Total Disability

A condition which is of a permanent an irreversible nature which is shown by medical evidence to be likely to continue for the remainder of your life and as certified by a registered medical practitioner, to the reasonable satisfaction of our Chief Medical Officer, and which prevents you from engaging in any work or occupation for remuneration or profit.

Personal Baggage

Each of your suitcases (or containers of a similar nature) and their contents, articles you are wearing or carrying which are owned by any of your family, or for which they are legally responsible, including valuables and keys (excluding keys to a hire vehicle) but excluding gadgets.

Personal Money

Cash, cheques, banker’s drafts, electronic cash, pre-payment cards, postal and money orders, current postage stamps, phone cards, coupons or vouchers which have a monetary value.

Pre-Existing Medical Condition

Anything which at the start of the insurance period you would answer yes to in the medical conditions declarations
1. Within the last two years have any of you suffered from, been treated for or diagnosed with:
a. a cardiovascular or heart-related condition e.g. heart attack, angina, chest pain,
hypertension and the like?
b. a lung or respiratory-related condition (not including stable, well-controlled asthma
when you have no other medical condition)?
c. a cerebro-vascular condition, e.g. stroke or T.I.A. (transient ischaemic attack)?
d. any form of cancer?
e. a terminal condition?
f. a psychiatric or psychological condition?
g. a renal condition or diabetes?
2. In the 12 months prior to the date your insurance was arranged or renewed, or the
date your trip was booked (for an Annual Multi Trip policy) have you or your travelling
a. been receiving or are on a hospital waiting list for in-patient treatment?
b. been prescribed regular medication?
c. required an organ transplant or dialysis?

Public Transport

Train, tram, bus, coach, ferry service or airline flight operating to a published timetable.


Being made unemployed under the Employment Rights Act and have been given a notice of redundancy and are receiving payment under the current redundancy payments legislation and at the time of booking the trip or when you purchase this policy whichever is later you, your travelling companion, or spouse (including a civil partner or co-habitee) had no reason to suspect that they would be made redundant.


Your family (including all your children, stepchildren, adopted children, foster children and grandchildren regardless of their age), your mother, father, sister, brother, niece, nephew, fiancé(e), grandparent, in-law, step-family or next of kin.

Terrorist Action

The actual or threatened use of force or violence against persons or property, or commission of an act dangerous to human life or property, or commission of an act that interferes with or disrupts an electronic or communications system, undertaken by any person or group, whether or not acting on behalf of or in connection with any organisation, government, power, authority or military force, when any of the following applies:
a. The apparent intent or effect is to intimidate or coerce a government or business, or to disrupt any segment of the economy;
b. The apparent intent or effect is to cause alarm, fright, fear of danger or apprehension of public safety in one or more distinct segments of the general public, or to intimidate or coerce one or more such segments;
c. The reasonably apparent intent or effect is to further political, ideological, religious or cultural objectives, or to express support for (or opposition to) a philosophy, ideology, religion or culture.


The period of time (as defined under trip duration) spent away from your home on pre-booked business or leisure travel.

Trip Duration

• For Annual Multi Trip Cover - the maximum trip duration of up to 62 days for Orange and Silver cover and 92 days for Black cover. Trips within the UK are covered when you have prebooked accommodation for a minimum of 2 nights.
• For Single Trip cover - the trip duration shown on your travel insurance certificate and schedule.


England, Wales, Scotland, Northern Ireland, Isle of Man and Channel Islands.

UK Resident
This means that you must be living in either England, Scotland, Wales, Northern Ireland, the Isle of Man or the Channel Islands and registered with a GP and continue to live there throughout the period of insurance.


Antiques, jewellery or articles made of or containing gold, silver or other precious metals, precious or semi-precious stones, binoculars, furs and watches.

War and Civil Unrest

War or warlike operations whether war is declared or not, civil war, invasion, acts of foreign enemies, hostilities, mutiny, uprising, rebellion, revolution, riot, insurrection, civil commotion, conspiracy, military or usurped power, martial law or state of siege.

Winter Sports Equipment

Skis (including bindings), snow boards (including bindings), boots, ski poles, ice skates and essential clothes which you own or hire.


Sections 1-6, 8-11, 13 and 15-21
ERGO Travel Insurance Services Ltd on behalf of the insurer of these sections.
Section 7
DAS Legal Expenses Insurance Company Ltd.
Section 12
International Passenger Protection Limited on behalf of the insurer of this section.
Section 14
Taurus Insurance Services Limited, who administer and arrange the insurance on behalf of the insurer of this section.

It is important that you also look at words with special meanings in Section 7: Legal advice and expenses, Section 11: Financial failure cover, Section 14: Gadget cover and Section 17: Wedding cover.
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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