RAC Travel Insurance Review and Quotes

James Rodriguez James Rodriguez updated on July 27, 2020

It might be the least exciting thing about your journey. But travel insurance is a must-have when it comes to getting assistance from the other side of the world.

Are you aware of this and are here to know whether RAC is the right company to go on holidays with? 

In this definitive RAC review, we will tell you everything you need to know about their travel insurance policies: coverage options, prices, contact details, cancellation or claim process and much more. Let’s dive in!

Is RAC the best travel insurance for you?

Always just going for the cheapest travel insurance might not be the best option when it comes to getting assistance or a refund abroad.

At Safe, we strive to help any people travelling from the UK to get the best travel insurance to leave home with complete peace of mind. This is why we’ve dug into RAC travel insurance policy booklet and attributed our own neutral rating based on five weighted criteria as shown below. 

4,6 Safe overall rating for RAC

Safe ratingOur opinion
Customer service & satisfaction

Online quote generation
High customer satisfaction rate 4.1/5 on TrustPilot
5 star rating on Defaqto
Prompt and fair claims process

Cover provided

Policies available across 3 levels of cover
High limits of up to £7,500 for cancellation
High limits of up to unlimited medical emergency
Wide range of activities covered as standard

Value for money

Reasonably priced premiums
Up to 10% discount if your apply online
Discount available for members and RAC Car Insurance customers
Children not covered for free

Financial strength

RAC Insurance is a trading name of RAC Financial Services Limited which is authorised and regulated by the Financial Conduct Authority

Technology

Online quote generation
Availability of live chat feature
Availability of customer portal
User friendly and well organized website

Safe rating for RAC travel insurance

RAC travel insurance reviews by expert and consumers

Review organisationRAC travel insurance reviews
Defaqto expert

Orange: 3
Silver: 5
Black: 5

TrustPilot

4,1/5 based on more than 51.8K opinions

Consumer satisfaction rates on reviews for RAC holiday insurance

To check if RAC is the right travel insurance for you, you can use our free travel insurance comparison tool and get quotes from main travel insurance companies in a few seconds only. 100% anonymous and free.

What does RAC travel insurance cover?

RAC travel insurance offers different travel insurance covers to suit any traveller needs, whether you’re leaving for three days alone in Scotland or six months in Antarctica with your partner or whole family. 

RAC's Travel Insurance Policies is available for individuals, groups, couples and families.

RAC single-trip and annual multi-trip travel insurances

Single and annual multi-trip days and age limits at RAC
Maximum days per trip

Single Trip: Up to 94 days
Annual Multi Trip: Up to 92 days per trip

Maximum age limit

Single Trip: No age limit
Annual Multi Trip: 80 years

Maximum days and age limit for single-trip and annual multi-trip policies at RAC

You will find below the limits breakdown per level of cover for single and annual multi-trip insurance policies at RAC:

Policy name

OrangeSilverBlack
Defaqto expert rating355
Excess (if not stated)£100£50£0
Medical expenses£10M£15MUnlimited
Trip cancellation / curtailment£3,000£5,000 £7,500
Delayed departure 12 hours£25£35 £50
Delayed departure max£250£350 £500
Baggage & belongings£1,250£2,000£3,000
Money including cash£400£500£750
Repatriation£10M£15MUnlimited
Personal liability£2M£2M£2M
Personal accident (excess £0)x£25,000£50,000
Legal expenses
(excess £0)
£25,000£25,000£25,000
Hospital benefit
(excess £0)
£500£1,500£2,000
Accommodation coverx£5,000 £7,500
Pet care (excess £0)x£500£750
SAFI*£2,500£2,500£2,500
Medical screeningxxx
Cruise / winter sports / golfOptionalOptionalOptional
RAC travel insurance in details

RAC winter sports travel insurance

The winter sports travel insurance is usually an option that you can take on top of your single or annual multi-trip policy.

Optional Winter Sports Cover is available at RAC and it comes with the following features and benefits:

  • Up to 3 levels of cover: Orange, Silver, and Black
  • Not available for anyone over the age of 65 years
  • Up to £1,000 for winter sports equipment accidentally damaged, lost or stolen
  • Up to £400 for replacement hire of winter sport equipment after yours was stolen, lost or damaged
  • Up to £400 per single winter sport equipment item
  • Up to £50 for each day (maximum £300) to hire replacement winter sport equipment due to delay
  • Up to £50 for each day (maximum £400) ski pack cover
  • Up to £50 for each day (maximum £400) piste closure cover
  • Up to £25 for each day (maximum £500) avalanche or landslide cover
  • Up to £500 for physiotherapy in the UK.

What are the other travel insurance options available at RAC?

Travel insurance options at RAC
RAC golf cover

Optional Golf Cover is available at RAC and it comes with the following benefits and features:

  • Available across 3 levels of cover: Orange, Silver and Black
  • Up to £2,000 for golf equipment damaged, stolen or lost
  • Up to £500 per single item or set of the golf equipment
  • Up to £50 for each day (maximum £500) for golf equipment hire
  • Up to £50 for each day (maximum £500) for green fees.
RAC business cover

Business Cover is not available at RAC.

RAC cruise cover

Optional Cruise Cover is available at RAC and it comes with the following benefits and features:

  • Available across 3 levels of cover: Orange, Silver and Black
  • Up to £100 for every missed port (maximum £1000)
  • Up to £500 if you end up being confined to your cabin due to illness or injury
  • Up to £750 for unused excursions
  • Up to £3,500 additional personal baggage cover
  • Up to £750 per single item or set
  • Up to £500 for valuables.
RAC gadget cover

Up to £1,000 Gadget Cover is already included as standard in the main travel insurance policies however there is an optional, enhanced Gadget Cover and it comes with the following:

  • Up to £3,000 for accidental or malicious damage, theft or loss of gadgets
  • Up to £1,000 for every single item/pair/set
  • Up to £1,000 for unauthorised usage.
RAC other extras

Wedding Cover is available as an upgrade at RAC and it comes with the following benefits:

  • Up to £2,000 per person wedding attire cover
  • Up to £1,000 for wedding gifts
  • Up to £150 for wedding gifts in form of cash
  • Up to £1,000 for wedding rings
  • Up to £1,000 for photographs and video recording.
Other travel insurance policy options available at RAC

Due to Brexit, some outbound flights from international airports might be delayed or cancelled. We would advise you to call RAC before travelling and make sure you get the right compensation amount for your flight or journey if it is cancelled or delayed as well as for Schedule Airline Failure Cover.

How much is RAC travel insurance?

You'll find below indicative quotes per level of cover at RAC:

You will find below the limits breakdown per level of cover for single and annual multi-trip insurance policies at RAC:

Policy name

OrangeSilver Black
Price - 7 days trip - 30 years old - Europe£12,20£19,50£28,31
Price - annual policy - 30 years old - Europe£29,86£37,50£51,69
Price - 7 days trip - 65 years old - Europe£15,10£25,02£34,18
Price - annual policy - 65 years old - Europe£57,38£67,55£88,75
Price - 7 days trip - 30 years old - USA£22,95£35,57£45,88
Price - annual policy - 30 years old - USA£72,93£85,79£120,33
Price - 7 days trip - 65 years old - USA£39,73£61,60£71,72
Price - annual policy - 65 years old - USA£142,30£168,01£242,91
RAC travel insurance in details

It is, however, quite difficult to give precise price ranges as RAC travel insurance policy quotes will depend on a range of factors such as:

  • Your age at the time of travelling
  • The length of your stay
  • Your trip destination (Europe, North America, Worldwide)
  • The period you wish to be covered for (single trip, annual multi-trip, extension)
  • If you need specific insurance (cruise, ski, backpackers, gadget cover)
  • Your medical condition before travelling
  • Who is travelling with you (on your own, as a couple, as a family).

Can I get travel insurance discounts or promo codes at RAC?

Yes, you can get up to 10% discount if you apply online. You can also get more discounts if you happen to be the company's car insurance customer.

Use our travel insurance comparison tool to be aware of latest promo codes and vouchers available at RAC.

What else should I know about RAC travel insurance?

What are the general exclusions at RAC travel insurance?

The following are important reminders to keep in mind to maintain the validity of your insurance policy:

  • You must be a resident in the UK
  • You must be registered with a GP
  • Your trip must commence and end in the UK
  • You must keep the age limits in mind for each policy in mind and ensure that you don't surpass it
  • Single parent cover is applies to the parent and up to 5 children aged 17 and under
  • The upper age limit for Winter Sports is 65 years.

How do I get travel insurance quote from RAC?

Nothing easier. Use our 100% online travel insurance comparison tool to compare all policies in just a few seconds, without giving any personal details. If RAC is the right one for you, then just click on get quote and you'll be automatically directed through the company's sale channel.

Shopping around while shopping for personal insurance and not auto-renewing is always the best way to get the best deal and benefit from new customers discounts.

How do I log in to RAC website?

Through the customer portal, you can:

  • Access all your policy documents and details
  • Make changes to your insurance policy online
  • Make a payment of change payment method.

To access the customer portal, just click on 'MyRac' on the top right of the homepage. It will lead you to a page where you'll enter your email address and password to log in.

How to claim at RAC travel insurance?

There are 4 ways to make a claim: Phone call, email, online or sending a letter.

How to claim on RAC travel insurance?
Claim by mail

Send your letter to:
RAC Travel Insurance Claims,
308-314 London Road, Hadleigh, Benfleet,
Essex SS7 2DD

Claim by email[email protected]
Claim online

You can claim online through the csal.com website.

Claim by phone

0117 934 0548

How to make a claim on RAC travel insurance

How do I contact RAC travel insurance?

RAC contact phone numbers

ServicesPhone numbersOpening hours
Customer Service0330 159 0409

Monday to Friday: 8am to 7pm
Saturday:9 am to 5pm
Sunday: Closed

Medical Emergency+44 (0)1403 289 148

Available 24/7

Claims+44 (0) 1403 289 151

Not Stated

Quote0330 159 0405

Monday to Friday: 8am to 7pm
Saturday:9 am to 5pm
Sunday: Closed

SAFI0345 266 1872

Not Stated

RAC contact phone numbers

RAC other contact details

Contact details
Address

RAC Travel Insurance
308-314 London Road
Hadleigh, Benfleet, Essex SS7 2DD

Email[email protected]
RAC contact details

How to cancel your annual RAC travel insurance policy?

You will find below main information to cancel your travel insurance policy at RAC:

How to cancel RAC travel insurance?
Cancellation fees during cooling off period of 14 days£0
Cancellation fees outside cooling off period

No refund

Cancel by phone

0330 159 0409

How to cancel RAC travel insurance

Our opinion on RAC travel insurance

RAC was founded in 1987 making it one of the most experienced companies in the insurance industry.

Aside from Travel Insurance across 3 levels: Orange, Silver and Gold, they also offer Car Insurance as well as Breakdown Cover. Car Insurance customers are eligible for discounts on the Travel Insurance Policies offered by RAC.
Due to the high customer satisfaction rate on Trust Pilot and the 5 star rating on Defaqto, we would recommend RAC for anyone looking for generously discounted travel insurance premiums.

We would mainly recommend the Silver and Black levels of cover due to their 5 star rating on Defaqto.