RAC Travel Insurance Review

RAC Travel Insurance Review

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With worldwide pandemics an the increasing possibility , choosing the right Travel Insurance have never been more essential. The wrong choice now could have disastrous repercussions if you have to claim whilst abroad.

Comparing numerous policy terms and conditions can be daunting as well as time consuming. Our independent rating and review highlights the important points we think you should know about when choosing your next travel insurance policy.

Once you have read this review of RAC and compared polices using our unique search facility, you will have all the information you need to make an informed choice.

Who are RAC Travel Insurance

Review of RAC Travel Insurance updated 24th February 2019 by Jonathan Upton.

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 ETI International Protection the UK arm of URV.

RAC launched a new set of policies in September 2015, offering single trip and annual trip. They have further improved on the three levels of cover orange, silver and Black. We have awarded both the Silver and Black policy with a Five Star rating. 

RAC members or car insurance policyholders will receive an additional 10% off any quote for Worldwide trips.

How to Buy Travel Insurance from RAC

Click on the website link to go directly to the insurance providers website. Visit RAC's Website and Get a Quotation direct

How RAC Travel Insurance 's Policies have been ranked using our star rating formula?

Click on the white 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 :

RAC Single Trip Insurance Review

Backpacker Policy Ratings Click to Expand

found no policies available for this section.

RAC Backpacker Insurance Review

Annual Policy Ratings Click to Expand

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

Rating for Annual Silver:

Rating for Annual Black:

Rating for Annual Orange :

RAC Annual Insurance Review

Longstay Policy Ratings Click to Expand

found no policies available for this section.

RAC Longstay 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

Key Points you need to know about RAC's policy wording

1. What is the age/classification of a child on the policy?

Children means any person under the age of 17.

Children under the age of 17 are only insured when travelling with an adult also insured under the same policy.

2. What are the policy age limits?

The RAC has no upper age limit for single trip policies.

Annual Multi Trip travel policies are restricted to those aged 80 years and under.

3. What are the policy Trip Duration limits?

The maximum duration for any RAC single trip travel insurance policy is 94 days.

The annual multi trip policy allows for an unlimited number of trips throughout the policy year, provided the duration of individual trips does not exceed 62 days (Orange and Silver policies) and 92 days (Black policy).

4. What are the options 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 24 days maximum. The maximum age limit for winter sports is 65.

The Winter sports policy only covers certain activities, these are

  • On piste skiing or on piste snowboarding  
  • Off-piste skiing or off piste snowboarding where accompanied by a qualified guide or instructor
  • Cross country skiing on recognised routes and with a guide
  • Ski racing arranged by ski schools for their pupils
  • Sledging

All other wintersport activities are excluded, unless you contact the RAC and obtain written permission.

5. What is classed as a family and how many people can be quoted for?

Both types of policy are available to individuals, couples (who have been living together for at least six months), families (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 policy lists 36 activities which are automatically covered under the policy. A further 29 sports, things like Jet Skiing, Abseiling, Scuba diving down to 30 metres are also covered provided they are professionally organised, supervised and that you wear the appropriate safety equipment and take appropriate safety precautions. Some of those past times exclude personal accident and liability cover

Finally there is a list of activities which are excluded. It is therefore important that you check the policy wording to make sure you have the correct information on which activities are covered and which are not.

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?

Scheduled Airline Failure is covered under all policies. This is extended to include any end supplier failure on the Silver and Black 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 any costs arising from pregnancy or childbirth if the expected date of delivery is less than 12 weeks (16 weeks for a multiple birth) after the end of the trip.

12. Will I be covered if I want to do Manual Work or Bar Work or other work while I am on holiday?

The RAC policy is not really designed to cover working abroad. Manual work is excluded (except at ground level and not involving machinery).

13. What are the requirements, if I need to claim for lost, damaged or stolen baggage?

The RAC will consider baggage claims on a new for old basis, provided the item is less than two years old at the date of incident and you are able to provide an original purchase receipt.

Anything else will be subject to a deduction for wear and tear. Claims may not be paid, where you are unable to provide satisfactory proof of purchase or ownership.

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 natural disaster or catastrophe before and during my holiday?

Automatically covered under the Silver and Black 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.

17. What are the options for Cruise Cover?

The optional section on Cruise cover, is only available for those taking out a single trip policy. You can opt to include cover for cruises under all three policies, the cover is the same but the sums insured increase accordingly, with the Black policy having the highest sums insured.

The policy covers additional expenses to get you to the next port after missing the initial one. Compensation if you have to be confined to your cabin and miss booked excursions.

Finally the cruise option, allows you to benefit from an increased baggage allowance, single article and valuables limit.

18. What are the options for Gadget Cover?

All three RAC policies include a small amount of cover for gadgets that you might take with you on holiday. Gadgets are items like, mobile phones, smart phones, laptops, tablets etc (see the policy wording for a full list)

As the standard cover limits are low, you do have the option to increase the level of cover, subject to payment of the relevant additional premium. The sum insured can be increased to £1,000, £2,000 or £3,000 depending on which level of benefits you have chosen.

If you gadget is lost or stolen, RAC will also cover the cost of unauthorised calls.

19. Are they on Comparison sites such as Confused.com or CompareTheMarket.com?

Both Comparethemarket and Moneysupermarket offer RAC travel insurance policies on their comparison sites. The policies are also labelled Orange, Silver and Black.

Whilst the premiums are cheaper, the levels of cover they offer are much lower and the excesses higher, than you will find if you visit and buy on the RAC website direct.

20. What about the Policy Wording?

The RAC policy wording is 72 pages long, however it is nicely laid out, with a helpful table of benefits for all three levels of cover, allowing you to compare. The index helps you find specific pages of the policy and for the most part is easy to read and understand.

21. What do reviews from customers say?

Unfortunately the only customer reviews we found, either related to Breakdown cover or car insurance, so it's impossible for us to comment on the service that travel insurance customers experienced.

22. Overall Summary

The Silver and Black policies provide excellent levels of cover, as you would expect from a five star rated policy.

The only slight negative point is the lower number of Sporting activities and past times that are covered. (The same is true for Winter Sports activities) If you are planning an active or adventure holiday, make sure all activities are covered, or you may need to find another Insurer.

The unique feature of RAC travel insurance is the option to include cover for driving holidays. This discretionary section provides insurance against Car Jacking, Camping and Caravan, Trailer Cover, Emergency Car Hire, and extended cancellation, an area that few other Travel Insurers cover.

RAC's Mystery Shopping Ratings

That's Insurance have spent some time mystery shopping on rac-travel-insurance-review's website. The policy wording, website, customer service/buying process have been carefully reviewed and each section awarded a user friendly score, which you can see below.

Policy wording - Marks are awarded for Layout, Readability ,Terminology, Communication and Appropriate information.

Website - Marks are awarded for Layout/Navigation, Access to important information e.g. policy wordings, Clear Explanation/Comparison of policies, including limitations, Frequently asked questions.

Customer Service – Marks are awarded for the Buying process, Customer Service, Clear Quotations, Access to important information/Comparison of quotes.

The scores have been calculated as an overall percentage and shown on the three gauges. You can see how RAC compares to the industry average. The higher the percentage the better the company performs in each area.

Policy Wording

(layout, readability, terminology)

Awaiting user friendly score

Website

(layout, navigation, access to information)

Awaiting user friendly score

Customer Service

(clear quotes, buying process, customer service)

Awaiting user friendly score

Pro's and Con's for RAC Policies

We've highlighted Pro's and Cons for RAC, click on the white bars on the right side of the boxes below. Expand the content to view pros and cons of all policies offered by RAC.

  • Silver and Black cover has been awarded our top five star rating
  • Travel Disruption cover on Silver and Black policies as standard
  • 10% discount on Worldwide travel Insurance for RAC members or Car Insurance policyholders.
  • Annual Travel individual trips up to 92 days on Black policies as standard
  • Scheduled airline failure covered as standard on all policies. End supplier Failure covered on Silver and Black policies
  • Online underwriting of pre existing medical conditions
  • Option to take advantage of RAC's unique "Driving Holiday Pack"
  • A lower number of Sports and activities covered as standard.

What Cover do RAC policies offer.

We've listed below cover levels for policies offered by offered by 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

    Orange

    Annual

    Silver

    Annual

    Black

    Annual

    Black

    Single Trip

    Silver

    Single Trip

    Orange

    Single Trip

Primary Cover toggle

  • Policy Excess
    Policy Excess

    100

    50

    0

    0

    50

    100

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    10,000,000

    15,000,000

    Unlimited

    Unlimited

    15,000,000

    10,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    3,000

    5,000

    7,500

    7,500

    5,000

    3,000

  • Curtailment
    Curtailment Explanation
    Cover Type Icon

    3,000

    5,000

    7,500

    7,500

    5,000

    3,000

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    0

    25,000

    50,000

    50,000

    25,000

    0

  • Baggage
    Baggage Explanation
    Cover Type Icon

    1,250

    2,000

    3,000

    3,000

    2,000

    1,250

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    250

    300

    350

    350

    300

    250

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    250

    500

    600

    600

    500

    250

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    400

    500

    750

    750

    500

    400

  • Personal Liability
    Personal Liability Explanation
    Cover Type Icon

    2,000,000

    2,000,000

    2,000,000

    2,000,000

    2,000,000

    2,000,000

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    50,000

    50,000

    50,000

    50,000

    50,000

    50,000

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Golf
    Golf Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    2,500

    2,500

    2,500

    2,500

    2,500

    2,500

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    200

    400

    500

    500

    400

    200

Secondary Cover toggle

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    0

    25,000

    50,000

    50,000

    25,000

    0

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    400

    500

    750

    750

    500

    400

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    500

    1,500

    2,000

    2,000

    1,500

    500

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    250

    400

    1,000

    1,000

    400

    250

  • Burial or Cremation
    Burial or Cremation Explanation
    Cover Type Icon

    5,000

    5,000

    5,000

    5,000

    5,000

    5,000

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    200

    500

    750

    750

    500

    200

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    250

    350

    500

    500

    350

    250

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    300

    1,000

    1,250

    1,250

    1,000

    300

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    0

    500

    750

    750

    500

    0

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    0

    1,500

    2,000

    2,000

    1,500

    0

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    0

    2,500

    2,500

    2,500

    2,500

    0

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    0

    5,000

    7,500

    7,500

    5,000

    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

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    0

    0

    2,000

    2,000

    0

    0

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Business
    Business Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Cruise
    Cruise Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

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

    0

    0

    0

    0

    0

    0

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Mugging
    Mugging Explanation
    Cover Type Icon

    100

    250

    500

    500

    250

    0

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    2,500

    2,500

    2,500

    2,500

    2,500

    2,500

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    200

    400

    500

    500

    400

    200

Optional Cover toggle

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    N

    Y

    Y

    Y

    N

    N

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    N

    Y

    Y

    Y

    Y

    N

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    N

    Y

    Y

    Y

    Y

    N

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    N

    Y

    Y

    Y

    Y

    N

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    Y

    N

    N

    N

    N

    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

    N

    Y

    Y

    Y

    Y

    N

Sample Quotes from RAC.

Listed below are some Sample Quotes offered by RAC

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Single Trip

Worldwide (Excluding USA & Canada)

Couple

Age: 40 - 49

Trip Days: 21

RAC Travel Insurance Review
Product Rating

Experience Rating

Black

0

Medical Expenses Unlimited

Cancellation 7,500

Missed Departure 1,250

Delayed Departure 500

Baggage 3,000

Personal Accident 50,000

Personal Liability 2,000,000

Legal Expenses 50,000

Single Trip

Worldwide (Excluding USA & Canada)

Individual

Age: 40 - 49

Trip Days: 14

RAC Travel Insurance Review
Product Rating

Experience Rating

Black

0

Medical Expenses Unlimited

Cancellation 7,500

Missed Departure 1,250

Delayed Departure 500

Baggage 3,000

Personal Accident 50,000

Personal Liability 2,000,000

Legal Expenses 50,000

Annual

Worldwide (Excluding USA & Canada)

Couple

Age: 65 - 70

Trip Days: 365

RAC Travel Insurance Review
Product Rating

Experience Rating

Black

0

Medical Expenses Unlimited

Cancellation 7,500

Missed Departure 1,250

Delayed Departure 500

Baggage 3,000

Personal Accident 50,000

Personal Liability 2,000,000

Legal Expenses 50,000

Annual

Europe

Individual

Age: 65 - 70

Trip Days: 365

RAC Travel Insurance Review
Product Rating

Experience Rating

Black

0

Medical Expenses Unlimited

Cancellation 7,500

Missed Departure 1,250

Delayed Departure 500

Baggage 3,000

Personal Accident 50,000

Personal Liability 2,000,000

Legal Expenses 50,000