RAC Travel Insurance Review

RAC Travel Insurance Review

RAC Travel Insurance Review

Reviewed by:

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.

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 Click to Expand

We have reviewed 3 Single Trip Policies from RAC Travel Insurance, they are Black, Silver, Orange , we have rated these as follows:-

Rating for Single Trip Black:

Rating for Single Trip Silver:

Rating for Single Trip Orange :

Single Trip Travel Insurance Guide here
RAC Travel Insurance Review

Backpacker Policy Ratings Click to Expand

found no policies available for this section.

Backpacker Travel Insurance Guide here
RAC Travel Insurance Review

Annual Policy Ratings Click to Expand

We have reviewed 3 Annual Policies from RAC Travel Insurance, they are Orange , Silver, Black, we have rated these as follows:-

Rating for Annual Orange :

Rating for Annual Silver:

Rating for Annual Black:

Annual Travel Insurance Guide here
RAC Travel Insurance Review

Longstay Policy Ratings Click to Expand

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.

RAC's 'User Friendly' Rating

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.

  • 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"

No Con's

What Cover do RAC policies offer.

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 Insurance Provider

  • PolicyName & Policy Type

    Black

    Single Trip

    Silver

    Single Trip

    Orange

    Single Trip

    Orange

    Annual

    Silver

    Annual

    Black

    Annual

Primary Cover toggle

  • Policy Excess
    Policy Excess

    50

    60

    100

    100

    60

    50

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    20,000,000

    15,000,000

    10,000,000

    10,000,000

    15,000,000

    20,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    7,500

    5,000

    2,500

    2,500

    5,000

    7,500

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    25,000

    20,000

    10,000

    10,000

    20,000

    25,000

  • Baggage
    Baggage Explanation
    Cover Type Icon

    3,000

    2,000

    1,500

    1,500

    2,000

    3,000

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    500

    400

    250

    250

    400

    500

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    500

    400

    250

    250

    400

    500

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    450

    400

    350

    350

    400

    450

  • Personal Liability
    Personal Liability Explanation
    Cover Type Icon

    2,000,000

    2,000,000

    1,500,000

    1,500,000

    2,000,000

    2,000,000

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    50,000

    30,000

    15,000

    15,000

    30,000

    50,000

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    2,500

    2,500

    2,500

    2,500

    2,500

    2,500

Secondary Cover toggle

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    1,500

    1,250

    500

    500

    1,250

    1,500

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    450

    400

    300

    300

    400

    450

  • Burial or Cremation
    Burial or Cremation Explanation
    Cover Type Icon

    7,000

    4,500

    3,000

    3,000

    4,500

    7,000

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    500

    400

    250

    250

    400

    500

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    750

    500

    500

    500

    500

    750

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    750

    500

    500

    500

    500

    750

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    300

    250

    0

    0

    250

    300

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    2,500

    2,500

    0

    0

    2,500

    2,500

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Withdrawal of Services
    Withdrawal of Services Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Mugging
    Mugging Explanation
    Cover Type Icon

    300

    200

    100

    100

    200

    300

Optional Cover toggle

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

  • Golf
    Golf Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

  • Business
    Business Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Wedding
    Wedding Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

  • Cruise
    Cruise Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

  • Car and Home Excess
    Car and Home Excess Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Mugging
    Mugging Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

Sample Quotes from RAC.

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: 7

RAC Travel Insurance Review
That's Insurance Rating

Customer Rating

Black

50

Click Heart to Favourite

Compare Now

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

Single Trip

Europe

Family

Age: 30 - 39

Trip Days: 7

RAC Travel Insurance Review
That's Insurance Rating

Customer Rating

Orange

100

Click Heart to Favourite

Compare Now

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

Single Trip

Europe

Individual

Age: 30 - 39

Trip Days: 14

RAC Travel Insurance Review
That's Insurance Rating

Customer Rating

Silver

60

Click Heart to Favourite

Compare Now

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

Annual

Worldwide

Couple

Age: 71 - 75

Trip Days: 365

RAC Travel Insurance Review
That's Insurance Rating

Customer Rating

Silver

60

Click Heart to Favourite

Compare Now

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

1106.56

Full Details

Annual

Worldwide

Individual

Age: 18 - 29

Trip Days: 365

RAC Travel Insurance Review
That's Insurance Rating

Customer Rating

Black

50

Click Heart to Favourite

Compare Now

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

Individual

Age: 40 - 49

Trip Days: 365

RAC Travel Insurance Review
That's Insurance Rating

Customer Rating

Orange

100

Click Heart to Favourite

Compare Now

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

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

Visit RAC's Website and Get a Quotation direct

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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