RAC Travel Insurance Review

The experts say:

What RAC customers are saying right now:

The Good

• 🤩 Quick and easy to set up a policy
• 🤗 Customer service is helpful in getting the policy set up
• 🤝 Polices can be changed mid-term with minimal admin costs
• 😊 Changes are done quickly and easily
• 😍 Customers have access to a variety of affordable insurance options

The Bad

• 😠 RAC charge a £25 admin fee to change a first name, which many people find unacceptable.
• 😡 They have a complaints procedure that is geared towards them and not the customer, and they are unwilling to make changes to policies without additional fees.
• 😤 They are very unhelpful on the phone and do not treat customers fairly.

RAC customer reviews summary

It's difficult to differentiate between customer reviews for RAC's core breakdown insurance offering and reviews for its travel insurance products. That said, it seems that in general customers are happy with the quality of RAC's products and the process of setting up, but rather less satisfied with the service they receive once the policy is in force. On that basis, we rate it 6/10.  

Deep-dive into RAC Black Travel Insurance

• RAC's Black travel insurance policy that has been awarded a rating of four stars by Fairer Finance.
• This policy does not require a medical excess fee in the event of a claim.
• Customers are covered up to £3,000 for personal possessions and baggage that have been damaged, lost or stolen.
• The policy also provides cover up to £7,500 if customers need to cancel their trip before they have set off.
• With regards to emergency medical cover and repatriation, the policy offers unlimited coverage.
• Interestingly, the policy does not cover mental health problems that might arise during the trip, ior pre-existing issues.
• Personal money cover is provided up to £750 in case of loss or theft.
• The policy encompasses up to £750 coverage for replacing lost or stolen passports and travel documents, which includes travel expenses to retrieve the documents.
• If the trip needs to be cut short, pre-booked flights and accommodations will also be covered up to £7,500.
• A similar cover limit is provided for instances where the trip has to be abandoned due to long delay.
• Note that the policy does not provide cover for relocation costs due to a natural disaster or catastrophe.
• Coverage for personal possessions damage or destruction caused by a natural disaster isn't explicitly stated on this policy.
• Finally, the maximum trip duration under complete coverage is 92 days.