RAC Travel Insurance promo code for January 2021

Finally, some good news! Domestic travel is picking up, so some insurers have started offering cover again 🦘 Just remember, you won't be covered for any pandemic related claims if you do take out domestic travel insurance.

Originally an association for motoring enthusiasts, the Royal Automotive Club (RAC) now provides a range of automotive services, courses and policies, including discounted travel insurance plans for its members.

RAC Travel Insurance promo code and deals

Interested in other travel insurance discounts?

World2Cover Travel Insurance Deals

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Last verified 4 Jan 2021

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Last verified 4 Jan 2021

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What policies are available from RAC Travel Insurance?

International comprehensive

The most comprehensive policy available from RAC Travel insurance provides cover for benefits including unlimited overseas medical expenses, personal liability up to $10 million, luggage and personal effects, travel documents, delayed luggage, loss of income and more.

International Essentials

This policy provides the necessary cover for overseas travel with lower maximum payouts and personal liability. You are covered for unlimited overseas medical expenses, personal liability up to $10 million, luggage and personal effects and more.

International Medical-Only

This covers your medical expenses only while you're overseas, including dental, hospital cash, as well as legal liability.

Domestic Comprehensive

This policy provides no cover for medical emergencies. All claims related to medical and dental expenses must be filed with your private health insurance.

Annual Multi-trip

Ideal for frequent travelling, this policy covers an unlimited number of journeys within the period of insurance. You will be asked to choose your area of travel for the insurance period and you'll get cover for all the essentials and more.

Pros and Cons of RAC Travel Insurance

How do I make a claim with RAC Travel Insurance?

1. Give immediate notice. Get in touch with the insurer as soon as possible to report the incident and file a claim. You can download the claims form from the RAC website or submit your claim online on the Travel Insurance Partners website. Penalties may be levied against you if you wait too long and deliberately delay the process.

2. Supply all necessary documentation. Besides your Claims form and Certificate of Insurance, you will also need to produce police reports, medical reports, receipts and proof of ownership.

3. Duty of disclosure. Your travel insurance policy will be granted or refused based on the information you provide. It’s important to be as honest and complete as possible in answering questions. If your information is found to be false or incomplete, any claims will be rejected and your policy may be cancelled.

RAC Travel Insurance FAQ

• Why is travel insurance so important?

  If something goes wrong before or during your holiday, you are liable for thousands of dollars in medical bills, transportation costs and replacing valuable items. With travel insurance in place, the costs incurred in these cases would be covered by the terms of your contract.

• How is my premium calculated?

  The amount you pay is based on your destination, the number of people insured on the policy, the plan you choose and personal factors. The amount also includes government taxes and fees for changes you make to the terms of your policy.

• Which domestic options are available?

  You can choose between three options: full domestic cover, a plan covering rental vehicle excess or a domestic cancellation plan. Rental vehicle excess and cancellation are automatically covered under the international policies.

• Which additional options are available?

  Policies can be upgraded with additional cover, including increasing your excess to lower your premium. Optional extras can be bought to insure electronic equipment, riding a moped or motorcycle and snow sports.

• What about pre-existing medical conditions?

  Not all pre-existing medical conditions are automatically covered, so be sure to read the product disclosure statement (PDS). If your condition isn’t covered, you can apply for additional insurance, subject to the insurer’s approval.

• Who underwrites RAC Travel Insurance?

  RAC travel insurance is underwritten by Tokio Marine & Nichido Fire Insurance Co., Ltd.

• Can I cancel my RAC Travel insurance policy if I'm not happy with it?

  You have a cooling-off period of 21 working days during which you can change your mind about whether or not you want the policy. If cancelled during this period, you will receive a full refund.

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