Ultimate Reward Current Account
common enquiries for existing customers

Key information on the great benefits available with your Ultimate Reward Current Account. For full details of your benefits, policies, account terms and conditions and the range of third party providers we use, please read the Getting Started Guide.

Benefit	How do I make a claim?	How do i register for this benefit?
Worldwide multi-trip family travel insurance	Call 08451 24 14 00 (if you're abroad call +44 1495 28 12 97)	If you have any pre-existing medical conditions get a medical screening or call us on 08451 24 14 00
AA Breakdown Cover	Call 08000 51 22 48	You're automatically registered
Mobile phone insurance	Call 08451 24 14 00 or +44 (0) 1495 281 297 if overseas	Register your mobile phone online or call 08451 24 14 00
Home emergency	Call 08451 24 14 00 or +44 (0) 1495 28 12 97 if overseas	You're automatically registered
Card protection	Call 08451 24 14 00	To register your cards, call 08451 24 14 00
Travel money preferential rate	Call 08453 01 04 24	You're automatically registered

Travel insurance

Key cover

Key exclusions

Family cover
Worldwide travel
Multi-trip
Covers winter sports and golf trips
Includes personal belongings, medical emergency and repatriation, legal advice and expenses, personal accident and personal liability

Cover ceases on your 71st birthday (65th for winter sports cover)
Pre-existing medical conditions must be declared*
Maximum trip duration is 31 days
Children need to be under 16 or under 23 and in full time education
Children are not covered for independent travel
Winter sports; maximum 24 days’ cover in any 12 month period
Not valid for trips in the UK except for trips with pre-booked accommodation for a minimum of 3 days

* If you or anyone insured under the Ultimate Reward Current Account travel insurance has any pre-existing medical conditions that you have not declared, the worldwide travel insurance may not automatically cover you. Complete an online self-assessment medical screening or call us on 08451 24 14 00 to see if you need your cover extending.

AA Breakdown Cover

Key cover	Key exclusions
Roadside assistance Customer covered, not the car Accident Management	If you’re a driver or passenger in any car, at home or at the roadside Service is only available in the UK, Channel Islands and Isle of Man Maximum of 5 call outs per 12 month period (7 for joint account) and not covered for same or similar causes of breakdown to that which the AA attended within the previous 28 days Does not provide for any vehicle following an accident

You can upgrade your cover from the options below. To do this call 08009 75 29 85.

Upgrade	Single	Joint
Relay	£56.07	£57.64
Stay Mobile	£42.96	£42.96
Breakdown Repair Cover per eligible vehicle	From £76.05
European Breakdown Cover	Price on application

Correct as of September 2011 (please note prices are subject to change).

Mobile phone insurance

Key cover

Key exclusions

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

Must register claim within 48-hours of discovering the incident
If phone is lost or stolen, you must notify the police and your airtime provider within 24hours of discovering the incident
A maximum of 2 claims per 12-month period
Any loss or damage to your phone:
- While it is in an unattended motor vehicle, unless completely hidden from view within a locked glove compartment, locked boot or other lockable internal compartment and the vehicle is fully locked and secure
- Where it has been left unattended in a public place or place in which people, the public has regular access
- Where it has been passed to someone else

Register your phone
To help give you the best service when you need it most, register your mobile phone details with us by calling 08451 24 14 00 or register your mobile phone online.

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 monthly statement or contract
Your International Mobile Equipment Identity (IMEI) number. Tip: this will be displayed on your mobile phone screen by dialling *#06# on the keypad

Home emergency cover

Key cover

Key exclusions

Helps to make your home safe
Avoids damage or more damage to your home
Restores utilities to your home if they have failed

Any claim if your home is unoccupied for over 60 days
Any loss where you did not contact us to arrange repairs
Any fault that you or any member of your family knew or should have know about when you took out your Ultimate Reward Current Account
You will not be covered if your tenancy agreement requires you to report emergencies to the homeowner or the managing agency so that they can instruct the appropriate contractor

Card Protection

Key cover	Key exclusions
Covers all financial cards If your bag, wallet or purse is lost or stolen with your cards in it you will be able to claim towards replacing them	A cardholder using a card not in accordance with the card issuer's terms and conditions A loss or theft that you do not report to us within 24 hours of discovery

Please register your cards with us. To do this please have all your cards to hand and call 08451 24 14 00 – we're open 24 hours a day, 7 days a week.

Travel money

We offer a preferential rate on your travel money orders, and you can order up to 14 days in advance to select a delivery date that suits you. What's more, we can even deliver it to your door free of charge, or to your local branch. Plus, if you've got any cash left when you return, we'll change it back to sterling commission-free.

To order your travel money call us on 08453 01 04 24.