FAQ centre

If you haven't received an email from us with instructions on how to register for our online customer portal and view your travel insurance documents, please email us at ractravelservice@hoodtravel.co.uk, and we'll email your documents to you within 1 working day. Please note, for data protection reasons, we can only send the documents to the email address provided at point of sale.

You can speak with one of our agents via the 'chat with us' button, email us at ractravelservice@hoodtravel.co.uk, or call us on 0330 159 0409 to cancel your policy. We'll give you a full refund of your premium if you cancel within the 14 days of the receipt of your policy schedule and you have not started a trip, made, or intend to make a claim.

Your cancellation rights are no longer valid after this initial 14 day period. You can still cancel your policy outside of the 14 day cooling off period, however, no refund will be issued.

Please note, for data protection reasons, we can only cancel a policy if the request is made via the same email address used to purchase the policy.

We are open Monday to Friday 9am-5pm, excluding Bank Holidays.

If any of your details change then you'll need to contact us on 0330 159 0409 as soon as possible to update your policy. Please note, an additional premium may apply.

If your details have changed and you travel without informing us of the changes then we may be unable to honour any claims which arise.

We are open Monday to Friday 9am-5pm, excluding Bank Holidays.

If you want to amend any of your personal details, you can do so in the customer portal, or you can speak with one of our agents via the 'chat with us' button.

If you want to make a change to your policy cover, including changing your dates or extending your trip, please contact our Customer Services team on 0330 159 0409. Please note, any amendment on your policy may result in a change in premium.

We are open Monday to Friday 9am-5pm, excluding Bank Holidays.

Our Family policy covers up to 2 adults and up to 5 children under the age of 18. If your children are 18 years or over, you may want to consider buying a Group Annual multi-trip policy. We can only offer a Group Annual multi-trip policy over the phone, so please call us on 0330 159 0409, Monday to Friday 9am-5pm, excluding Bank Holidays.

You can travel alone on all our travel insurance policies if you're 18 years of age and over. Children aged 17 years or under must be accompanied by at least one insured adult or another responsible adult aged 18 years or over with the full approval of the parent/guardian, for cover to apply.

If you purchase your policy through the RAC Travel Insurance website, we have no upper age limit for single trip policies. For our annual multi-trip cover you must be aged 80 or under at the start of the policy period.

Children aged 17 years or under must be accompanied by at least one insured adult or another responsible adult aged 18 years or over with the full approval of the parent/guardian, for cover to apply.

The benefits, limits and excesses within your policy are per person, per incident, per trip. Therefore, if you have a Family or Group policy, the limits and excesses will be for each of you individually.

When an airline cancels a flight, you're entitled to certain refunds and compensation from the airline.

Before you contact us to make a claim about flight cancellations, we ask that you first directly approach your airline, tour operator or packaged holiday organiser.

If you're unable to get a refund or compensation from any of the above companies and you paid for your trip with a credit card, you may also be able to recover your costs through section 75 of the Consumer Credit Act or via a 'chargeback claim'.

You can contact us on the following numbers should you need assistance abroad.

To make a claim before or after your holiday, please use the contact details below (details can also be found in the policy wording):

• Claims, excluding gadget (9am to 5pm, Monday to Friday): call +44 (0)20 8603 9143
• Gadget claims (9am to 5pm, Monday to Friday): call 0330 880 1751 or email racgadget@taurus.gi
• Medical emergency assistance (24 hour): +44 (0) 20 8603 9159

This depends on what you want to be covered for and who you're travelling with.

You may want to consider how much your holiday has cost you and whether you ha've any pre-existing medical conditions that you could potentially need emergency treatment when you are abroad.

If you're only planning to travel once in a year, then single trip travel insurance could be more appropriate for you. Single trip policies do cover you to travel to multiple destinations within one trip, but you'll need to ensure that you advise us of all destinations when you get a quote.

If you're planning to go on holiday more than once in a year, then annual multi-trip travel insurance could be more cost effective and save you having to take out a new policy each time you travel. You'll also be covered for cancellation from the start date of your annual multi-trip policy, offering you value and peace of mind from the start.

You should ensure that each of the holidays you're planning will be covered by the policy you have selected.

We offer 3 different travel insurance products from our RAC website. That way, you can tailor cover to suit your plans.

The benefits, limits and excesses within your policy are per person, per incident, per trip. Therefore, if you have a Couple, Family or Group travel insurance policy, the limits and excesses will be for each of you individually.

You can find a full list of what our policies offer in our policy wording.

You should ensure that each of the holidays you're planning will be covered by the policy you have selected.

For annual multi-trip cover, the maximum trip duration for any individual trip is 31 days for Orange and Silver policies and 45 days for Black policy. Trips within the UK are covered when you have pre-booked accommodation for a minimum of 2 consecutive nights at 70 miles away from home.

For single trip cover, the maximum trip duration is 90 days.

All policies offered via our RAC Travel website provide you with gadget cover as standard. The amount of cover will vary depending on what cover level you purchase. All benefits are per person, per claim.

If you think you'll need increased cover for your gadgets, we offer an optional Enhanced Gadget cover, for an extra cost, that you can select when you get a quote with us.

The policy wording will provide you with what cover your policy provides as standard and what our Enhanced Gadget cover will increase these limits to. Please see section Gadget cover (including Enhanced Gadget cover) for further details.

No, only UK residents (excluding Channel Islands and the Isle of Man) who are registered with a UK GP can purchase travel insurance from the RAC. You must purchase travel insurance before leaving the UK (excluding Channel Islands and the Isle of Man); if you purchase a policy after leaving the UK there will be no cover and the policy may be void.

Yes, our single trip and annual multi trip policies cover holidays in the UK. You are covered for any trip not exceeding the maximum trip length as confirmed on your policy schedule. For annual multi trip policies you must have at least 2 consecutive nights’ pre-booked accommodation at least 70 miles away from your home for cover to apply.

Provided you have not already started your holiday, RAC Travel Insurance policies will provide you with cover as soon as your purchase has been confirmed. However, if before you buy your policy something has already happened, or could reasonably be expected to happen, we will not be able to pay any claims related to this.

With RAC Travel Insurance you're covered for bodily injury and illness whilst travelling when pregnant. Please check your transport provider's guidelines before travelling as they may have restrictions.

There is no cover available for any costs associated with normal complication-free pregnancy or childbirth. This policy is designed to provide cover for unforeseen events, accidents, illnesses and diseases and a normal pregnancy or childbirth would not constitute an unforeseen event.

If you want to know more about the activities our travel insurance covers, or if one that you're looking to take part in is not listed within the policy wording, you can speak to one of our agents via the 'chat with us' button, email us at ractravelservice@hoodtravel.co.uk or call us on 0330 159 0409 and we'll see if there's anything we can do.

We are open Monday to Friday 9am-5pm, excluding Bank Holidays.

You can find a full list of activities covered within the policy wording.

If an activity or sport that you're looking to take part in is not listed within the policy wording, you can speak with one of our agents via the 'chat with us' button or call us on 0330 159 0409. We are open Monday to Friday 9am-5pm, excluding Bank Holidays.

Please note, you won't be covered under this policy whilst taking part in winter sports unless you select the Winter Sports cover which will incur an additional premium. Winter sports insurance provides cover for emergency medical treatment caused by your participation in winter sports activities, the delay, loss, theft or damage to your ski equipment, cover for ski pack expenses and piste closure.

We offer cover to travel on a cruise under the standard sections of cover on both our Single trip and Annual multi trip policies.

We offer an optional Cruise cover add on that provides cover for the specific activities and risks associated with cruise holidays such as cover if your cruise misses a scheduled port, if your cruise is interrupted due to insufficient or excess water, if you're confined to your cabin, if excursions are missed, or you are denied boarding.

We work hard to treat our customers fairly and make sure our policies are easy to understand. But if we or our insurers make a mistake, we want to hear about it. If you have a complaint, please contact:

If your complaint is about the sale or administration of your policy
Post: RAC Travel Insurance Complaints Team, Hood Travel Ltd, 2nd Floor, Dencora Court, Tylers Avenue, Southend-on-Sea, Essex, SS1 2BB.
Email: ractravelservice@hoodtravel.co.uk
Phone: 0330 159 0409

If your complaint is about a claim on your policy (except Gadget cover section)
Post: Customer Service, Allianz Assistance, 102 George Street, Croydon, CR9 6HD.
Email: travelcomplaintsuk@allianz.com
Phone: +44 (0) 20 8603 9853

If your complaint is about a claim under Gadget cover section)
Post: Customer Relations Officer, Taurus Insurance Service Limited, Suite 2209-2217, Eurotowers, Europort Road, Gibraltar.
Email: gadget.complaints@taurus.gi
Phone: 0330 880 1753

If you are not happy with our final response, or if more than eight weeks have passed since we received your original complaint, you can take your complaint to the UK Financial Ombudsman Service for an independent review. This won’t stop you from being able to take legal action.

You must approach the Financial Ombudsman Service within six months of getting our final response to your complaint. We will remind you of the time limits in the final response.

Post: The Financial Ombudsman Service Exchange Tower London E14 9SR

Phone: 0300 123 9 123 or 0800 023 4567

Fax: 020 7964 1001

Email: complaint.info@financial-ombudsman.org.uk

Website: www.financial-ombudsman.org.uk

If you haven't received an email from us with instructions on how to register for our online customer portal and view your travel insurance documents, please email us at ractravelservice@hoodtravel.co.uk, and we'll email your documents to you within 1 working day. Please note, for data protection reasons, we can only send the documents to the email address provided at point of sale.

You can speak with one of our agents via the 'chat with us' button, email us at ractravelservice@hoodtravel.co.uk, or call us on 0330 159 0409 to cancel your policy. We'll give you a full refund of your premium if you cancel within the 14 days of the receipt of your policy schedule and you have not started a trip, made, or intend to make a claim.

Your cancellation rights are no longer valid after this initial 14 day period. You can still cancel your policy outside of the 14 day cooling off period, however, no refund will be issued.

Please note, for data protection reasons, we can only cancel a policy if the request is made via the same email address used to purchase the policy.

We are open Monday to Friday 9am-5pm, excluding Bank Holidays.

If any of your details change then you'll need to contact us on 0330 159 0409 as soon as possible to update your policy. Please note, an additional premium may apply.

If your details have changed and you travel without informing us of the changes then we may be unable to honour any claims which arise.

We are open Monday to Friday 9am-5pm, excluding Bank Holidays.

If you want to amend any of your personal details, you can do so in the customer portal, or you can speak with one of our agents via the 'chat with us' button.

If you want to make a change to your policy cover, including changing your dates or extending your trip, please contact our Customer Services team on 0330 159 0409. Please note, any amendment on your policy may result in a change in premium.

We are open Monday to Friday 9am-5pm, excluding Bank Holidays.

Our Family policy covers up to 2 adults and up to 5 children under the age of 18. If your children are 18 years or over, you may want to consider buying a Group Annual multi-trip policy. We can only offer a Group Annual multi-trip policy over the phone, so please call us on 0330 159 0409, Monday to Friday 9am-5pm, excluding Bank Holidays.

You can travel alone on all our travel insurance policies if you're 18 years of age and over. Children aged 17 years or under must be accompanied by at least one insured adult or another responsible adult aged 18 years or over with the full approval of the parent/guardian, for cover to apply.

If you purchase your policy through Compare the Market, Go Compare or Confused.com, you must be 85 years and under at the start of your policy for single trips. For our annual multi-trip cover you must be aged 75 or under at the start of the policy period.

Children aged 17 years or under must be accompanied by at least one insured adult or another responsible adult aged 18 years or over with the full approval of the parent/guardian, for cover to apply.

The benefits, limits and excesses within your policy are per person, per incident, per trip. Therefore, if you have a Family or Group policy, the limits and excesses will be for each of you individually.

When an airline cancels a flight, you're entitled to certain refunds and compensation from the airline.

Before you contact us to make a claim about flight cancellations, we ask that you first directly approach your airline, tour operator or packaged holiday organiser.

If you're unable to get a refund or compensation from any of the above companies and you paid for your trip with a credit card, you may also be able to recover your costs through section 75 of the Consumer Credit Act or via a 'chargeback claim'.

You can contact us on the following numbers should you need assistance abroad.

To make a claim before or after your holiday, please use the contact details below (details can also be found in the policy wording):

• Claims, excluding gadget (9am to 5pm, Monday to Friday): call +44 (0)20 8603 9143
• Gadget claims (9am to 5pm, Monday to Friday): call 0330 880 1751 or email racgadget@taurus.gi
• Medical emergency assistance (24 hour): +44 (0) 20 8603 9159

This depends on what you want to be covered for and who you're travelling with.

You may want to consider how much your holiday has cost you and whether you ha've any pre-existing medical conditions that you could potentially need emergency treatment when you are abroad.

If you're only planning to travel once in a year, then single trip travel insurance could be more appropriate for you. Single trip policies do cover you to travel to multiple destinations within one trip, but you'll need to ensure that you advise us of all destinations when you get a quote.

If you're planning to go on holiday more than once in a year, then annual multi-trip travel insurance could be more cost effective and save you having to take out a new policy each time you travel. You'll also be covered for cancellation from the start date of your annual multi-trip policy, offering you value and peace of mind from the start.

You should ensure that each of the holidays you're planning will be covered by the policy you have selected.

We offer 3 different travel insurance products through comparison websites like Compare the Market, Go Compare or Confused.com. That way, you can tailor cover to suit your plans.

The benefits, limits and excesses within your policy are per person, per incident, per claim. Therefore, if you have a Couple, Family or Group travel insurance policy, the limits and excesses will be for each of you individually.

You can find a full list of what our policies offer in the policy wording.

You should ensure that each of the holidays you're planning will be covered by the policy you have selected.

For annual multi-trip cover the maximum trip duration is 31 days for Orange Essential/ Orange Plus and Silver Essential/ Silver Plus cover and 45 days for Black Essential/ Black Plus cover. Trips within the UK are covered when you have prebooked accommodation for a minimum of 2 nights at 70 miles away from home for cover to apply.

For single trip cover, the maximum trip duration is 90 days.

Our Black Essential and Black Plus policies offered via Compare the Market, Go Compare or Confused.com websites provide you with gadget cover as standard for up to £1,000. All benefits are per person, per claim.

If you think you'll need increased cover for your gadgets, we offer an optional Enhanced Gadget cover, for an extra cost, that you can select when you get a quote with us.

The policy wording will provide you with what cover your policy provides as standard and what our Enhanced Gadget cover will increase these limits to. Please see section Gadget cover (including Enhanced Gadget cover) for further details.

No, only UK residents (excluding Channel Islands and the Isle of Man) who are registered with a UK GP can purchase travel insurance from the RAC. You must purchase travel insurance before leaving the UK (excluding Channel Islands and the Isle of Man); if you purchase a policy after leaving the UK there will be no cover and the policy may be void.

Yes, our single trip and annual multi trip policies cover holidays in the UK. You are covered for any trip not exceeding the maximum trip length as confirmed on your policy schedule. For annual multi trip policies you must have at least 2 consecutive nights’ pre-booked accommodation at least 70 miles away from your home for cover to apply.

Provided you have not already started your holiday, RAC Travel Insurance policies will provide you with cover as soon as your purchase has been confirmed. However, if before you buy your policy something has already happened, or could reasonably be expected to happen, we will not be able to pay any claims related to this.

With RAC Travel Insurance you're covered for bodily injury and illness whilst travelling when pregnant. Please check your transport provider's guidelines before travelling as they may have restrictions.

There is no cover available for any costs associated with normal complication-free pregnancy or childbirth. This policy is designed to provide cover for unforeseen events, accidents, illnesses and diseases and a normal pregnancy or childbirth would not constitute an unforeseen event.

If you want to know more about the activities our travel insurance covers, or if one that you're looking to take part in is not listed within the policy wording, you can speak to one of our agents via the 'chat with us' button, email us at ractravelservice@hoodtravel.co.uk or call us on 0330 159 0409 and we'll see if there's anything we can do.

We are open Monday to Friday 9am-5pm, excluding Bank Holidays.

You can find a full list of activities covered within the policy wording.

If an activity or sport that you're looking to take part in is not listed within the policy wording, you can speak with one of our agents via the 'chat with us' button or call us on 0330 159 0409. We are open Monday to Friday 9am-5pm, excluding Bank Holidays.

Please note, you won't be covered under this policy whilst taking part in winter sports unless you select the Winter Sports cover which will incur an additional premium. Winter sports insurance provides cover for emergency medical treatment caused by your participation in winter sports activities, the delay, loss, theft or damage to your ski equipment, cover for ski pack expenses and piste closure.

We offer cover to travel on a cruise under the standard sections of cover on both our Single trip and Annual multi trip policies.

We offer an optional Cruise cover add on that provides cover for the specific activities and risks associated with cruise holidays such as cover if your cruise misses a scheduled port, if your cruise is interrupted due to insufficient or excess water, if you're confined to your cabin, if excursions are missed, or you are denied boarding.

We work hard to treat our customers fairly and make sure our policies are easy to understand. But if we or our insurers make a mistake, we want to hear about it. If you have a complaint, please contact:

If your complaint is about the sale or administration of your policy
Post: RAC Travel Insurance Complaints Team, Hood Travel Ltd, 2nd Floor, Dencora Court, Tylers Avenue, Southend-on-Sea, Essex, SS1 2BB.
Email: ractravelservice@hoodtravel.co.uk
Phone: 0330 159 0409

If your complaint is about a claim on your policy (except Gadget cover section)
Post: Customer Service, Allianz Assistance, 102 George Street, Croydon, CR9 6HD.
Email: travelcomplaintsuk@allianz.com
Phone: +44 (0) 20 8603 9853

If your complaint is about a claim under Gadget cover section)
Post: Customer Relations Officer, Taurus Insurance Service Limited, Suite 2209-2217, Eurotowers, Europort Road, Gibraltar.
Email: gadget.complaints@taurus.gi
Phone: 0330 880 1753

If you are not happy with our final response, or if more than eight weeks have passed since we received your original complaint, you can take your complaint to the UK Financial Ombudsman Service for an independent review. This won’t stop you from being able to take legal action.

You must approach the Financial Ombudsman Service within six months of getting our final response to your complaint. We will remind you of the time limits in the final response.

Post: The Financial Ombudsman Service Exchange Tower London E14 9SR

Phone: 0300 123 9 123 or 0800 023 4567

Fax: 020 7964 1001

Email: complaint.info@financial-ombudsman.org.uk

Website: www.financial-ombudsman.org.uk

If you haven't received an email from us with instructions on how to register for our online customer portal and view your travel insurance documents, please email us at ractravelservice@hoodtravel.co.uk, and we'll email your documents to you within 1 working day. Please note, for data protection reasons, we can only send the documents to the email address provided at point of sale.

You can speak with one of our agents via the 'chat with us' button, email us at ractravelservice@hoodtravel.co.uk, or call us on 0330 159 0409 to cancel your policy. We'll give you a full refund of your premium if you cancel within the 14 days of the receipt of your policy schedule and you have not started a trip, made, or intend to make a claim.

Your cancellation rights are no longer valid after this initial 14 day period. You can still cancel your policy outside of the 14 day cooling off period, however, no refund will be issued.

Please note, for data protection reasons, we can only cancel a policy if the request is made via the same email address used to purchase the policy.

We are open Monday to Friday 9am-5pm, excluding Bank Holidays.

If any of your details change then you'll need to contact us on 0330 159 0409 as soon as possible to update your policy. Please note, an additional premium may apply.

If your details have changed and you travel without informing us of the changes then we may be unable to honour any claims which arise.

We are open Monday to Friday 9am-5pm, excluding Bank Holidays.

If you want to amend any of your personal details, you can do so in the customer portal, or you can speak with one of our agents via the 'chat with us' button.

If you want to make a change to your policy cover, including changing your dates or extending your trip, please contact our Customer Services team on 0330 159 0409. Please note, any amendment on your policy may result in a change in premium.

We are open Monday to Friday 9am-5pm, excluding Bank Holidays.

Our Family policy covers up to 2 adults and up to 5 children under the age of 18. If your children are 18 years or over, you may want to consider buying a Group Annual multi-trip policy. We can only offer a Group Annual multi-trip policy over the phone, so please call us on 0330 159 0409, Monday to Friday 9am-5pm, excluding Bank Holidays.

You can travel alone on all our travel insurance policies if you're 18 years of age and over. Children aged 17 years or under must be accompanied by at least one insured adult or another responsible adult aged 18 years or over with the full approval of the parent/guardian, for cover to apply.

If you purchase your policy through MoneySuperMarket, you must be 85 years and under at the start of your policy for single trips. For our annual multi-trip cover you must be aged 75 or under at the start of the policy period.

Children aged 17 years or under must be accompanied by at least one insured adult or another responsible adult aged 18 years or over with the full approval of the parent/guardian, for cover to apply.

The benefits, limits and excesses within your policy are per person, per incident, per trip. Therefore, if you have a Family or Group policy, the limits and excesses will be for each of you individually.

When an airline cancels a flight, you're entitled to certain refunds and compensation from the airline.

Before you contact us to make a claim about flight cancellations, we ask that you first directly approach your airline, tour operator or packaged holiday organiser.

If you're unable to get a refund or compensation from any of the above companies and you paid for your trip with a credit card, you may also be able to recover your costs through section 75 of the Consumer Credit Act or via a 'chargeback claim'.

You can contact us on the following numbers should you need assistance abroad.

To make a claim before or after your holiday, please use the contact details below (details can also be found in the policy wording):

• Claims, excluding gadget (9am to 5pm, Monday to Friday): call +44 (0)20 8603 9143
• Gadget claims (9am to 5pm, Monday to Friday): call 0330 880 1751 or email racgadget@taurus.gi
• Medical emergency assistance (24 hour): +44 (0) 20 8603 9159

This depends on what you want to be covered for and who you're travelling with.

You may want to consider how much your holiday has cost you and whether you ha've any pre-existing medical conditions that you could potentially need emergency treatment when you are abroad.

If you're only planning to travel once in a year, then single trip travel insurance could be more appropriate for you. Single trip policies do cover you to travel to multiple destinations within one trip, but you'll need to ensure that you advise us of all destinations when you get a quote.

If you're planning to go on holiday more than once in a year, then annual multi-trip travel insurance could be more cost effective and save you having to take out a new policy each time you travel. You'll also be covered for cancellation from the start date of your annual multi-trip policy, offering you value and peace of mind from the start.

You should ensure that each of the holidays you're planning will be covered by the policy you have selected.

We offer 3 different travel insurance products through comparison websites like MoneySuperMarket. That way, you can tailor cover to suit your plans.

The benefits, limits and excesses within your policy are per person, per incident, per claim. Therefore, if you have a Couple, Family or Group travel insurance policy, the limits and excesses will be for each of you individually.

You can find a full list of what our policies offer in the policy wording.

You should ensure that each of the holidays you're planning will be covered by the policy you have selected.

For annual multi-trip cover the maximum trip duration is 31 days for Orange Travel/Orange Travel Plus and Silver Travel/ Silver Travel Plus cover and 45 days for Black Travel/ Black Travel Plus cover. Trips within the UK are covered when you have prebooked accommodation for a minimum of 2 nights at 70 miles away from home for cover to apply.

For single trip cover, the maximum trip duration is 90 days.

All policies offered via a comparison website like MoneySuperMarket provide you with gadget cover as standard. The amount of cover will vary depending on what cover level you purchase. All benefits are per person, per claim.

If you think you'll need increased cover for your gadgets, we offer an optional Enhanced Gadget cover, for an extra cost, that you can select when you get a quote with us.

The policy wording will provide you with what cover your policy provides as standard and what our Enhanced Gadget cover will increase these limits to. Please see section Gadget cover (including Enhanced Gadget cover) for further details.

No, only UK residents (excluding Channel Islands and the Isle of Man) who are registered with a UK GP can purchase travel insurance from the RAC. You must purchase travel insurance before leaving the UK (excluding Channel Islands and the Isle of Man); if you purchase a policy after leaving the UK there will be no cover and the policy may be void.

Yes, our single trip and annual multi trip policies cover holidays in the UK. You are covered for any trip not exceeding the maximum trip length as confirmed on your policy schedule. For annual multi trip policies you must have at least 2 consecutive nights’ pre-booked accommodation at least 70 miles away from your home for cover to apply.

Provided you have not already started your holiday, RAC Travel Insurance policies will provide you with cover as soon as your purchase has been confirmed. However, if before you buy your policy something has already happened, or could reasonably be expected to happen, we will not be able to pay any claims related to this.

With RAC Travel Insurance you're covered for bodily injury and illness whilst travelling when pregnant. Please check your transport provider's guidelines before travelling as they may have restrictions.

There is no cover available for any costs associated with normal complication-free pregnancy or childbirth. This policy is designed to provide cover for unforeseen events, accidents, illnesses and diseases and a normal pregnancy or childbirth would not constitute an unforeseen event.

If you want to know more about the activities our travel insurance covers, or if one that you're looking to take part in is not listed within the policy wording, you can speak to one of our agents via the 'chat with us' button, email us at ractravelservice@hoodtravel.co.uk or call us on 0330 159 0409 and we'll see if there's anything we can do.

We are open Monday to Friday 9am-5pm, excluding Bank Holidays.

You can find a full list of activities covered within the policy wording.

If an activity or sport that you're looking to take part in is not listed within the policy wording, you can speak with one of our agents via the 'chat with us' button or call us on 0330 159 0409. We are open Monday to Friday 9am-5pm, excluding Bank Holidays.

Please note, you won't be covered under this policy whilst taking part in winter sports unless you select the Winter Sports cover which will incur an additional premium. Winter sports insurance provides cover for emergency medical treatment caused by your participation in winter sports activities, the delay, loss, theft or damage to your ski equipment, cover for ski pack expenses and piste closure.

We offer cover to travel on a cruise under the standard sections of cover on both our Single trip and Annual multi trip policies.

We offer an optional Cruise cover add on that provides cover for the specific activities and risks associated with cruise holidays such as cover if your cruise misses a scheduled port, if your cruise is interrupted due to insufficient or excess water, if you're confined to your cabin, if excursions are missed, or you are denied boarding.

We work hard to treat our customers fairly and make sure our policies are easy to understand. But if we or our insurers make a mistake, we want to hear about it. If you have a complaint, please contact:

If your complaint is about the sale or administration of your policy
Post: RAC Travel Insurance Complaints Team, Hood Travel Ltd, 2nd Floor, Dencora Court, Tylers Avenue, Southend-on-Sea, Essex, SS1 2BB.
Email: ractravelservice@hoodtravel.co.uk
Phone: 0330 159 0409

If your complaint is about a claim on your policy (except Gadget cover section)
Post: Customer Service, Allianz Assistance, 102 George Street, Croydon, CR9 6HD.
Email: travelcomplaintsuk@allianz.com
Phone: +44 (0) 20 8603 9853

If your complaint is about a claim under Gadget cover section)
Post: Customer Relations Officer, Taurus Insurance Service Limited, Suite 2209-2217, Eurotowers, Europort Road, Gibraltar.
Email: gadget.complaints@taurus.gi
Phone: 0330 880 1753

If you are not happy with our final response, or if more than eight weeks have passed since we received your original complaint, you can take your complaint to the UK Financial Ombudsman Service for an independent review. This won’t stop you from being able to take legal action.

You must approach the Financial Ombudsman Service within six months of getting our final response to your complaint. We will remind you of the time limits in the final response.

Post: The Financial Ombudsman Service Exchange Tower London E14 9SR

Phone: 0300 123 9 123 or 0800 023 4567

Fax: 020 7964 1001

Email: complaint.info@financial-ombudsman.org.uk

Website: www.financial-ombudsman.org.uk