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RAC Travel Insurance Review
I am sure you'll agree with us when we say, it's impossible to find any meaningful or independent reviews of RAC plus compare prices and cover on the same site.
And you'd be right! Because that's exactly what we found.
Once you have read this review and compared polices using our unique search facility, you will have all the information you need to make an informed choice.
Our review of RAC will highlight:
- Who are RAC and who underwrites their policies?
- How their travel policies have been ranked using our unique star rating formula?
- 16 key points you need to know about their travel policy wording.
- Find out how RAC rate on our "User Friendly" Gauge. NEW FEATURE
- Pro's and Con's you should consider.
- What Cover do RAC policies offer?
- Sample Quotes (if you don't want to perform a full comparison).
- Customer Reviews
...and what makes us unique?
Who are RAC and who underwrites their policies?
Everyone has heard of the RAC, a specialist roadside assistance company, who also offer a range of Insurances, including Travel Insurance. RAC's travel insurance policies are arranged and administered by another company Hood Travel Ltd and Underwritten by Axa Insurance Plc.
RAC launched a new set of policies in September 2015, offering single trip and annual trip, with three levels of cover orange, silver and the Five Star rated Black policy.
RAC members or car insurance policyholders will receive an additional 10% off any quote and all Annual Travel policies benefit from free travel distruption cover.
RAC Travel Insurance Policies are Underwritten By Axa Insurance
How RAC Travel Insurance's Policies have been ranked using our star rating formula?
Click on the blue bars on the right side of the policy boxes below. Expand the content to view star ratings of all policies offered by RAC.
Single Trip Policy Ratings
We have reviewed 3 Single Trip Policies from RAC Travel Insurance, they are Black, Silver, Orange , we have rated these as follows:-
Thats Insurance Rating for Single Trip Black:
Thats Insurance Rating for Single Trip Silver:
Thats Insurance Rating for Single Trip Orange :
RAC Travel Insurance Review
Backpacker Policy Ratings
Thats Insurance found no policies available for this section.
Backpacker Travel Insurance Guide here RAC Travel Insurance Review
Annual Policy Ratings
We have reviewed 3 Annual Policies from RAC Travel Insurance, they are Orange , Silver, Black, we have rated these as follows:-
Thats Insurance Rating for Annual Orange :
Thats Insurance Rating for Annual Silver:
Thats Insurance Rating for Annual Black:
RAC Travel Insurance Review
Longstay Policy Ratings
Thats Insurance found no policies available for this section.
RAC Travel Insurance Review
- Five star policies cover all Primary (core) sections and all Secondary sections under a travel policy.
- Cancellation cover is above the level of the market average
- Other Core Sections of cover are either at or above the levels of the market average.
- Secondary sections of cover are either at or above the levels of the market average.
- Five star policies provide additional cover benefits over and above standard policies.
- Five star policies include scheduled airline and/or end supplier failure as standard.
- Five star policies include natural catastrophe cover, either as standard, or as an option.
- Premiums are the most competitive in relation to the cover provided.
- Have clear and consumer friendly, policy wording and explanations of cover.
- The alcohol exclusion is more customer friendly than the market average.
- The standard excess is below the level of the market average.
- Four star policies cover all Primary (core) sections and all Secondary sections under a travel policy.
- Four star policies have cancellation cover at or above the market average.
- Four star policies may have a maximum of one core and one secondary section, or two secondary sections of cover lower than the market average or the excess may be above the market average.
- Four star policies may provide additional cover benefits.
- Four star policies may not automatically include cover for scheduled airline or end supplier failure.
- Premiums are competitive in relation to the cover provided.
- Have clear and consumer friendly policy wording and explanations of cover.
- Three star policies cover all Primary (core) Sections, but may not offer baggage and money cover as standard.
- Three star policies have some core covers lower than the market average, or up to one secondary sections of cover missing.
- Three star policies may have some secondary covers lower than the market average.
- Three star policies may not provide scheduled airline/end supplier failure cover, or only offer it as an option.
- The Insurer, may not provide quotations across the full range of scenarios tested.
- The standard excess may be higher than the market average.
- Two star policies generally provide cover that is below the market average and/or have Primary (core) and Secondary sections of cover missing from their policies.
- Two star policies may not offer baggage/money cover.
- Premiums tend to be much lower than the market average due to the low levels of cover provided.
- The Standard Excess is higher than the market average.
- The Insurer may not provide quotation across the full range of scenarios tested
- Policy wordings may not be as consumer friendly as other Insurers
16 Key Points you need to know about RAC's travel policy wording
1
What is the age/classification of a child on the policy?
Children means any person under the age of 18 accompanying an adult.
2
What are the policy age limits?
Both single and annual policies are restricted to those persons aged 86 or under.
3
What are the policy Trip Duration limits?
Single Trip Policies
- 186 days worldwide for customers up to the age of 60
- 186 days to Europe for customers aged 61 - 69
- 62 days worldwide for customers aged 61 - 69
- 93 days to Europe for customers aged 70 - 85
- 31 days worldwide for customers aged 70 - 85
Annual Travel
The policy allows for an unlimited number of trips throughout the policy year with the duration of each trip set accordingly
- 90 days for worldwide trips for travellers up to and including the age of 55
- 62 days for trips to Europe for travellers up to the age of 65
- 31 days for worldwide trips for travellers over the age of 56
- 31 days for trips to Europe for travellers over the age of 66
4
What does the policy offer for Winter Sports cover?
Winter sports can be included on both the single trip policy (for the duration of the trip) and the annual travel policy for up to 21 days maximum.
The policy covers a comprehensive 38 different winter sport activities as standard, including off-piste skiing and snowboarding (provided you are with a guide)
5
What is classed as a family and how many people can be quoted for?
Both types of policiy are available to individuals, couples (who have been living together for at least six months), familes (one or two parents and up to nine children, who are dependent on the adults, living at home and in full time education) or groups of up to ten individuals (provided they are all travelling together)
6
What are the policy rules on reciprocal health agreements (EHIC, Medicare)?
The RAC policy states if you are travelling to a European Union country or Switzerland, you should obtain an European Health Insurance Card.
If you need medical treatment in Australia, you must enrol with a local Medicare office. If you are in a country where no reciprocal agreement exists, you should contact Emergency Medical Assistance, for any costs likely to be in excess of £500.
7
What is covered under Sports and Activities on the policy?
The RAC includes a comprehensive 124 sporting and leisure activities which are covered as standard and a further 70 that can be included subject to payment of an additional premium.
Some of the pursuits exclude cover for personal liability. We recommend checking the list carefully to make sure your activities are fully covered.
8
What are the policy Alcohol Exclusion terms?
The policy excludes claims relating to alcohol abuse/misuse. Where you have drunk too much alcohol where it is reasonably foreseeable that such consumption could result in an impariment of your physical ability and judgement resulting in a claim.
The RAC do not expect you to avoid alcohol, but will not cover claims whereby you have drunk so much alcohol, that your judgement is seriously affected and you need to make a claim a result.
9
Does the policy cover Scheduled Airline Failure or Financial Failure?
Yes, covered as standard on all policies.
10
Does the policy cover Pre-Existing Medical Conditions and can I get a quote online?
Pre Existing Medical conditions are excluded but can be underwritten online at the point of sale, allowing you to obtain terms including a premium without the need to phone a medical helpline.
11
What are the policy rules on travelling when pregnant?
The RAC policy does not cover claims relating to pregnancy and childbirth, unless they are as a result of an injury, illness, disease or an unforseen complication with the pregnancy.
12
Will I be covered if I want to do Manual Work or Bar Work or other work while I am on holiday?
The policy covers as standard, administrative, clerical and professional occupations, archaelogical digging (hand tools only).
Subject to payment of an additional premium, insurance can be extended to cover bar/restaurant work, fruit or vegetable picking, manual work (excluding the use of manual tools or machinery), retails trade including manual work (excluded manual tools or machinery), and the superintendence of manual work. All other occupations are not covered.
13
Do I need original receipts for lost baggage if I need to claim on the policy?
The policy states proof of ownership in the form of an original receipt, a valuation, original user manual or bank/credit card statement will be required for any item lost, stolen or damaged.
14
What does the policy cover in the event of war, terrorism or cyber attack?
The RAC policy excludes claims in respect of war risks, civil commotion and terrorism, except for emergency medical expenses, Hospital benefit or personal accident claims (personal accident claims unless caused by a nuclear, chemical or biological attack).
15
Does the policy cover for a natural disaster or catastrophe when I am on holiday?
Available as an optional extra on single trip policies, but automatically included in new annual travel policies.
16
Do I have to be a UK resident to be covered under this policy?
The RAC policy is only available to those permanently resident in the United Kingdom and registered with a UK medical practitioner.
That's Insurance have reviewed RAC's Policy Wording, Website and Quote System and given each a 'User Friendly' rating. This will tell you how easy it is for you, to read, navigate and purchase policies on their website. We've split this into three gauges which show where RAC rates compared to the average Insurance Provider on our site. The higher the percentage, the easier you should find it to navigate each of these areas.
Policy
(plain english, easy to follow & understand)
Policy Guage Score Loading
Website
(user friendly, easy to navigate and find help)
Website Guage Score Loading
Quote System
(speed, ease of use, flow and display of cover)
Quotes Guage Score Loading
Pro's and Con's for RAC Travel Policies
We've highlighted Pro's anc Cons for RAC, click on the blue bars on the right side of the boxes below. Expand the content to view pros and cons of all policies offered by RAC.
Pro's
- Black cover has been awarded our top five star rating
- Free Travel Distruption cover on every annual policy
- 10% online discount for RAC members or Car Insurance policyholders.
- Individual annual travel trips up to 90 days as standard for travellers up to the age of 55
- Winter sports includes cover for 38 different activities as standard
- Over 120 sporting and leisure activities covered as standard with the option to add a further 70, subject to payment of an additional premium
- Scheduled airline failure covered as standard on all policies
- Online underwriting of pre existing medical conditions
- Option to take advantage of RAC's unique "Driving Holiday Pack"
Con's
No Con's
We've listed below cover levels for policies offered by offered by RAC To scroll through all policies, click on the arrows on the left and right of policy name section.
Policy Name 
-
PolicyName & Policy Type
Primary Cover
-
Policy Excess
-
Medical Expenses
-
Cancellation
-
Personal Accident
-
Baggage
-
Single Article Limit
-
Valuables Limit
-
Personal Money
-
Personal Liability
-
Legal Expenses
-
Scheduled Airline Failure
Secondary Cover
-
Hospital Benefit
-
Emergency Dental Treatment
-
Burial or Cremation
-
Baggage Delay
-
Delayed Departure
-
Missed Departure
-
Kennel/Cattery
-
Hijack/Kidnap
-
Financial Failure
-
Natural Disaster
-
Withdrawal of Services
-
Concierge Cover
-
Travel Disruption
Optional Cover
-
Natural Disaster
-
Gadget Cover
-
Travel Disruption
-
Golf
-
Wintersports
-
Business
-
Wedding
-
Cruise
-
Car and Home Excess
-
Search and Rescue
-
Mugging
Listed below are some Sample Quotes offered by RAC (or click 'Compare Now' button to compare their quotes with every insurance provider).
Top Picks
Insurance Provider
Excess
Primary Cover
Guide Price
Single Trip
Worldwide
Individual
Age: 30 - 39
Trip Days: 14
Silver
60
Medical Expenses 15,000,000
Cancellation 5,000
Missed Departure 500
Delayed Departure 500
Baggage 2,000
Personal Accident 20,000
Personal Liability 2,000,000
Legal Expenses 30,000
Single Trip
Worldwide
Individual
Age: 60 - 64
Trip Days: 7
Silver
60
Medical Expenses 15,000,000
Cancellation 5,000
Missed Departure 500
Delayed Departure 500
Baggage 2,000
Personal Accident 20,000
Personal Liability 2,000,000
Legal Expenses 30,000
Single Trip
Europe
Couple
Age: 40 - 49
Trip Days: 21
Black
50
Medical Expenses 20,000,000
Cancellation 7,500
Missed Departure 750
Delayed Departure 750
Baggage 3,000
Personal Accident 25,000
Personal Liability 2,000,000
Legal Expenses 50,000
Annual
Worldwide
Family
Age: 40 - 49
Trip Days: 365
Orange
100
Medical Expenses 10,000,000
Cancellation 2,500
Missed Departure 500
Delayed Departure 500
Baggage 1,500
Personal Accident 10,000
Personal Liability 1,500,000
Legal Expenses 15,000
Annual
Europe
Couple
Age: 60 - 64
Trip Days: 365
Orange
100
Medical Expenses 10,000,000
Cancellation 2,500
Missed Departure 500
Delayed Departure 500
Baggage 1,500
Personal Accident 10,000
Personal Liability 1,500,000
Legal Expenses 15,000
Annual
Europe
Individual
Age: 76 +
Trip Days: 365
Black
50
Medical Expenses 20,000,000
Cancellation 7,500
Missed Departure 750
Delayed Departure 750
Baggage 3,000
Personal Accident 25,000
Personal Liability 2,000,000
Legal Expenses 50,000
How to Buy Travel Insurance from RAC
Click on the website link to go directly to the insurance providers website, alternately click the button to compare all policies now from all providers. Current Discount Codes for RAC - No Current Discount Codes
Customer Reviews of RAC
No Customer Reviews Found
We hope that you have found this RAC Travel Insurance Review helpful. If you have experience of RAC, please do leave a Customer Review, these ratings are searchable and will help others make an informed choice.
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