RAC Travel Insurance Review

RAC Travel Insurance Review

RAC Travel Insurance Review

RAC Travel Insurance Review, Who are RAC? Who underwrites their policies? What Policies do RAC offer and what Important Information should you know when thinking of buying a policy? Read on to find out.

About RAC

Everyone has heard of the RAC, a specialist roadside assistance company, but did you know they now offer Insurance, including Travel Insurance, as well as a host of other products? RACÕs travel insurance policies are however 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.

RAC Travel Insurance Policies are Underwritten By Axa Insurance

Travel Policies offered by RAC

Click on the blue bars on the right side of the Policy Type Bar to expand and view all policies offered by RAC. Find That's Insurance Star Ratings plus key information relative to those policies; for example age limits, trip durations and winter sports options.

If you would like more detailed information in relation to Policy Terms and Conditions, please refer to the Important Notes section below, where we have extracted key information from what is normally a very long policy wording document.

Single Trip Insurance Policy Click to Expand

  • This is suitable for individuals, couples, families with up to nine children and groups of up to ten in total. There are three levels of cover orange, silver and the top level black. The maximum age under this policy is 85 and for winterports cover 59.
  • We have rated their policies as follows:
Read the Full Policy Type Guide Here

Thats Insurance Rating for Black:

Thats Insurance Rating for Silver:

Thats Insurance Rating for Orange :

Backpacker Insurance Policy Click to Expand

  • Ratings are listed below, if available

Annual Insurance Policy Click to Expand

  • This is not available to groups, but is suitable for individuals, couples and families with up to nine children.
  • The maximum age under this policy is also 85 and similarly wintersports the age limit is 59. Whilst the number of trips you can take in anyone year is unlimited, each trip is restricted as follows;
  • Cover for trips up to 90 days each, worldwide, for travellers up to the age of 55
  • Cover for trips up to 62 days each, in Europe, for travellers up to the age of 65.
  • Cover for trips up to 31 days each, to all territories, for travellers aged 56 to 85.
  • You can add wedding, cruise cover and also winter sports for up to 21 days.

Thats Insurance Rating for Orange :

Thats Insurance Rating for Silver:

Thats Insurance Rating for Black:

Longstay Insurance Policy Click to Expand

  • Ratings are listed below, if available

Important Information on RAC's Policy Wording

The policy has a fair alcohol exclusion which is;

“You drinking too much alcohol or alcohol abuse where it is reasonably foreseeable that such consumption could result in an impairment of your physical ability and/or judgement resulting in a claim. We do not expect you to avoid alcohol on your trips or holidays, but we will not cover any claims arising because you have drunk so much alcohol that your judgement is seriously affected or you are suffering from alcohol dependence or directly or indirectly from the symptoms of alcohol withdrawal and/or you need to make a claim as a result”.

Pre existing medical conditions can be underwritten at the point of sale. The online medical screening is very slick and easy to use.

There is a long list of additional sports and activities that are covered as standard. Anything else can be added by paying an additional premium. This procedure can be completed online, although if you need cover for something not listed, you will need to phone up.

An unusual option is the driving pack, to cover things like alcohol, shopping tobacco etc (especially useful if you are hopping over to france for the weekend to buy wine and beer, or camping abroad and taking your own car)

Unlike a lot of policies, children are required to travel with adults at all times (i.e. they can’t travel under the policy on their own)

Scheduled airline failure cover is included as standard on all policies.

The difference between the three policies are the sums insured being lower on the Silver and Orange and the excess higher

How to Buy Travel Insurance from RAC

Click Here to get an online quotation from RAC

Customer Reviews of RAC

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