Do you have an Ultimate Reward Current Account with us?

Find out the key information relating to the benefits of your account and importantly how to use them when you need to.

For full details of your benefits, policies, account terms & conditions and the range of third party providers we use, please read the Getting Started Guide (PDF).

More information:
Travel insurance
AA Breakdown Cover
Mobile phone insurance
Home emergency cover
Card Cancellation

Need to use your benefits?

Call us on 0345 124 1400 if you need to use your benefits or have any questions. Select the benefits you are calling about and one of our team will be happy to help.

If you're abroad, call +44 (0) 1495 28 12 97. open 24 hours a day, 7 days a week, 365 days a year.

Travel insurance

Provided and underwritten by AXA Insurance UK plc.

Please be aware pre-existing medical conditions are not covered under this policy.

If you’re looking for the online self-assessment medical screening link, this is currently unavailable. To understand if you or anyone to be covered under the policy have any conditions that could impact your cover, please call us on 0345 124 1400 (Lines open Monday-Saturday 8am-8pm, Sunday 9am-5pm).

If your cover needs extending, an additional premium may apply.

Key benefits

Key exclusions

  • Worldwide multi-trip family travel cover
  • Cover includes your spouse, civil partner or partner (who you live with) and children under 18 or under 24 and in full time education. Children are covered when travelling with the holder(s) of the Ultimate Reward Current Account or a Responsible Adult.
  • Covers winter sports and golf trips
  • Covers UK trips where accommodation is pre-booked for 2 nights or more
  • Includes cover for:-
    • Personal belongings up to £2,500
    • Single article, pair or set of articles up to £500
    • Valuables up to £500 in total
    • Personal Money up to £750 (cash £300)
  • Cover ceases fully on your 71st birthday
  • Pre-existing medical conditions aren’t covered unless agreed by the insurer
  • The maximum trip duration is 45 consecutive days, for Winter sports a maximum 31 days cover in any calendar year
  • You’ll pay a maximum excess of £50 per claim

Travel hints and tips

For our Ultimate Reward Current Account customers we have some handy hints and tips when travelling.

Find out more

AA Breakdown Cover

AA Breakdown Cover is provided by Automobile Association Developments Limited (trading as AA Breakdown Services).

Key benefits

Key exclusions

  • Roadside Assistance
  • Home Start
  • Provides cover within the UK, Channel Islands and Isle of Man
  • Customer covered, not the vehicle
  • Does not include AA Relay, which would recover you to any single UK destination of your choice. Under this cover if it is not possible to fix the vehicle at the roadside, you will be recovered to a local repairer of the AA’s choice or a destination of your choice provided it is no further.

Making a claim:

Call us on 0345 124 1400 if you need to make a claim.

Upgrading your cover

You automatically have AA Roadside and Home Start with your account, and you can also upgrade your cover. The upgrades available are:

  • Relay
  • Stay Mobile
  • Breakdown Repair Cover
  • European Breakdown Cover

Please call the AA on 0800 975 29 85 to discuss these upgrades.

Mobile phone insurance

Mobile phone insurance is arranged and administered by STAMS Limited with a single insurance provider, Assurant General Insurance Limited.

Key benefits

Key exclusions

  • One phone per account holder, maximum of two for joint accounts
  • Repair or replacement phone up to a maximum value of £2,000 (including VAT) per claim
  • Covers for loss, theft, damage or breakdown (including faults).

Excess is payable on all successful claims of:

  • Apple iPhones = £50 for damage and breakdown claims, £100 for loss and theft claims
  • All other handsets = £30 for all claims.

Registering your phone

You can register your mobile phone details with us if you’re registered for Online Banking or by calling 0345 124 1400.

Raising a claim

You can raise a claim with us if you’re registered for Online Banking or by calling 0345 124 1400.

If your phone is lost or stolen, you must notify the police and your airtime provider as soon as possible. Not taking these actions could result in your claim being declined.

You will be asked the following information so make sure you have it ready:

  • Make and model of your phone. Tip: check your instruction manual or remove the back cover and battery to see a label with this information
  • Your service/network provider. Tip: details of your service provider are often displayed on the screen of your phone or are on your contract or monthly statement
  • Your International Mobile Equipment Identity (IMEI) number. Tip: this will be displayed on your mobile phone screen by dialling *#06# on the keypad.

Instructions for registering your phone or raising a claim online:

  • Once signed into Online Banking, click on your Ultimate Reward Current Account
  • Click the ‘More actions’ button
  • Then select the ‘View account benefits’ found under the ‘Account information and benefits menu’
  • You can register your phone under the ‘Mobile phone insurance’ section
  • If you’ve already registered your mobile phone insurance details, your policy information will be automatically loaded
  • If you’d like to make a claim, click on the ‘View and update details’ button and then ‘Make a claim’ and follow the onscreen instructions

Sign into Online Banking Register for Online Banking

Home emergency cover

Home emergency cover is provided by AXA Assistance and is underwritten by Inter Partner Assistance SA (IPA).

Key benefits

Key exclusions

  • Covers a sudden unexpected incident to your home which needs immediate action to:
    • Make it safe or secure and avoid damage or more damage
    • Make it fit to live in
    • Restore electricity, gas or water services if they have totally failed
  • Provides a qualified person chosen by us to deal with the emergency up to £250.

This policy is to deal with ‘home emergencies’ needing immediate attention only and will cover costs up to a maximum of £250. It does not cover broken freezers for example.

Raising a claim

You can raise a claim by calling 0345 124 1400.

Not taking these actions could result in your claim being declined:

  • You must contact us first before instructing any other tradesman
  • If you are a tenant, you must get agreement from your landlord before contacting us

Card Cancellation

Card Cancellation is provided by Citymain Administrators Ltd (part of the SPB UK & Ireland Group Companies).

Key benefits

  • Covers all financial cards – call us if they're lost or stolen and we will arrange to cancel them.

Please register your cards with us. To do this please have all your cards to hand and call 0345 124 1400.

We may monitor and record calls.