Ultimate Reward Current Account
common enquiries for existing customers

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• Worldwide multi-trip family travel cover
• Covers winter sports and golf trips
• Covers UK trips where accommodation is pre-booked for a minimum of three days
• Includes cover for:
  • Personal belongings up to £1,500
  • Single article, pair or set of articles up to £300
  • Valuables up to £500 in total, money up to £500 (cash £300).

• Cover ceases on your 71st birthday (65th for winter sports cover)
• Cover includes your spouse, civil partner or partner and financially dependent children, under 16 and living with you, or under 23 and in full time education. Children are not covered for independent travel
• Pre-existing medical conditions are not covered unless agreed by the insurer
• Medical conditions of close relatives, travelling companions or people with whom you are planning to stay with on your trip whose health may affect your decision to travel or remain overseas may not be covered
• Claims relating to psychiatric disorders, depression, anxiety, stress or phobias
• The maximum trip duration is 31 days, for winter sports a maximum 24 days cover in any 12 month period
• Cover may be excluded for certain hazardous activities
• Excesses do apply under some sections of the policy.

• Provides cover within the UK, Channel Islands and Isle of Man
• Roadside Assistance
• Home Start
• Customer covered, not the vehicle
• Accident Management.

• Maximum of five call-outs per 12-month period (seven for a joint account) and may not be covered for same or similar causes of breakdown to that which the AA attended within the previous 28 days
• If it is not possible to fix the vehicle at the roadside, you, your vehicle and up to 7 passengers will be recovered to a local repairer of the AA’s choice or a local destination of your choice provided it is no further
• Service is only available to customers travelling in a car, van, minibus or motorcycle with a maximum weight restriction of 3.5 tonnes and max width restriction of 7ft 6in (2.3m)
• Does not provide recovery for any vehicle following an accident.

• One phone per account holder, maximum of two phones for joint accounts
• Repair or replacement phone up to a maximum original cost or value of £2,000 per claim
• Covers for loss, theft, accidental damage, breakdown, water damage.

• Any theft, loss or damage to your phone:
  • while it is in an unattended motor vehicle, unless it is completely hidden from view within a locked compartment and the vehicle is fully locked and secured
  • where it has been left unattended in a public place or passed to someone else
• If your phone is lost or stolen, you must notify the police and your airtime provider within 24 hours of discovering the incident
• You must register your claim within 48 hours of discovering the incident
• A maximum of two successful claims per 12-month period
• Excess is £100 for Apple iPhones, £30 for all other handsets
• Proof of purchase will be required in the event of a claim.

• 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.

• Any claim because your central heating boiler fails and it is over 15 years old, and/or is LPG fuelled, oil fired, warm air, solar heating or boilers with an output over 60Kw/hr
• Breakdown, loss or damage to domestic appliances like freezers or washing machines
• Any loss where you did not contact us to arrange repairs in the first instance
• Where you are a tenant and are required to report emergencies to the home owner or the managing agent to instruct the appropriate engineer
• Any claim if your home is unoccupied for over 60 days.

• Covers all financial cards – call us and we can cancel everything
• If your bag, wallet or purse is lost or stolen with your card, you can claim up to £50 per account holder, and
• If personal money is lost with your card you claim up to £100 per account holder.

• You should contact us within 24 hours of discovery, a police report must be obtained for personal effects and money claims.