RAC - Travel Insurance reviews

RAC was founded in 1897 and has gone on to become one the UK’s most progressive motoring organisations. They now have over 8 million customers and boast to have the world’s most advanced computer systems to deal with roadside assistance calls.


Ranked #29 of 61 Travel Insurance providers based on 14132 reviews

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Quotes our team received:

  • European Travel £20.09
  • Worldwide Travel* £32.85

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Choose from three levels of travel insurance

RAC offers three levels of cover available with varying benefits, so you can find the right cover to suit your needs. Policies offered by RAC are Single and Annual trip, with cover levels including Orange, Silver and Black cover. There is a useful guide to the type of benefits below.

RAC policies also come with a payable excess which is fixed until the end of the policy. For more information, visit RAC’s official website.

Medical Expenses£15,000,000£12,500,000£10,000,000
End Supplier Failure£2,500£2,500£2,500
Lost/Stolen Documents£500£300£`50
Personal Liability£2,00,000£2,000,00£2,000,000

Your benefits for travel insurance cover levels

Cancellation or Curtailment

If your holiday needs to be cancelled or curtailed (for reasons outlined in the policy booklet) RAC will provide cover for your holiday up to £7,500, depending on your level of cover.

Medical and Repatriation

If you require emergency medical attention, RAC will cover your medical bills up to £15 million, depending on your level of cover.  

Personal Belongings

If your baggage is lost, stolen or damaged during your holiday, RAC will cover the cost of your personal belongings up to £3,000. This extends to gadget cover, up to £300, and personal money, up to £450.

What Type Of Policies Do RAC Offer?

Globelink International offers five policies, such as Single Trip, Annual Multi-Trip, Age 66+ and Backpackers. Cover for winter sports can also be purchased for single trip policies.

What Countries Are Not Covered By RAC?

RAC doesn’t provide cover for countries or areas which the Foreign and Commonwealth Office (FCO) has advised against all travel to. This also includes areas with ‘advised against all but essential travel’. However, if the FCO changes their advice about a country/area they provide for, their travel disruption cover would cover the cancellation should you have already booked a holiday. To check your destination’s FCO advice, visit https://www.gov.uk/foreign-travel-advice/

Does RAC Cover Pre-Existing Conditions?

Yes. RAC offers travel insurance cover for people with an existing medical condition. However, in order to qualify, you’ll have to undergo medical screening and declare all medical conditions. Failure to do so, could cause your cover to be revoked.

How Long Does It Take To Assess A Claim?

RAC does not provide a time limit for dealing with claims.

About RAC

Since its inception in 1897, the RAC has been at the forefront of developing motoring services. Now, they are branded as one of the UK’s most progressive motoring organisations, providing services for both private and business motorists.

About RAC

RAC provide two levels of travel insurance, including Single Trip and Annual Multi Trip. Each policy comes with a range of benefits, such as £7,500 cancellation cover, £50,000 for legal expenses, £3,000 for personal belongings and free travel disruption cover with annual multi trip policies.

RAC also covers winter sports upgrades and medical conditions, for additional cost, and hundreds of sports and activities as standard.

RAC Contact Info

RAC Insurance is a trading name of RAC Financial Services Limited. Registered in England and Wales No. 5171817. Registered office: RAC House, Brockhurst Crescent, Walsall, WS5 4AW. RAC Financial Services is authorised and regulated by the Financial Conduct Authority. RAC Travel Insurance is administered by Hood Travel Limited. 1st Floor Maitland House, Warrior Square, Southend on Sea, Essex, SS1 2JY. Registered in England No. 08318836. Hood Travel Limited is authorised and regulated by the Financial Conduct Authority.

Promotions & Offers

RAC currently has no offers or promotions.


To contact RAC’s travel insurance sales department, you can call them on 0330 159 0405. Lines are open Monday – Friday 8am – 7pm, Saturday 9am – 5pm and closed Sundays. If you need to make a a travel insurance claim, you can contact RAC’s claims department on 020 8667 2464. Lines are open 9am – 5pm Monday – Friday.

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