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.


Contact us
Worldwide multi-trip family travel insurance  If you have any pre-existing medical conditions get a medical screening or call us on 08451 24 14 00
(if you're abroad call +44 1495 28 12 97).
AA Breakdown Cover  Call 08000 51 22 48 if you need to make a claim.
Mobile phone insurance  Register your mobile phone through Online Banking or call 08451 24 14 00 (if you're abroad call +44 1495 28 12 97).
Home emergency  Call 08451 24 14 00 (if you're abroad call +44 1495 28 12 97) if you need to make a claim.
Card Cancellation  If you need to report your cards as lost or stolen call 08451 24 14 00 or (if you're abroad call +44 1495 28 12 97)

Travel insurance

Administered by FirstAssist Insurance Services and underwritten by Great Lakes Reinsurance (UK) PLC

Key cover Key exclusions
  • Worldwide multi-trip family travel cover
  • 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 £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 fully on your 71st birthday (65th for winter sports cover)
  • Cover includes your spouse, civil partner or partner (who you live with) and children under 16 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
  • The maximum trip duration is 31 days, for Winter sports a maximum 24 days cover in any 12 month period
  • You will pay a maximum excess of £50
  • Claims relating to any previously diagnosed psychiatric disorders, depression, anxiety, stress or phobias are not covered
  • 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
  • Cover is excluded for certain hazardous activities
  • Claims where you cannot provide proof of purchase

Pre-existing medical conditions are not covered under this policy. To understand if you or anyone to be covered under the policy have any conditions that could impact your cover, please complete the online self-assessment medical screening or call us on
08451 24 14 00 to see if you need your cover extending. An additional premium may apply.

AA Breakdown Cover

AA Breakdown Cover is provided by Automobile Association Developments Limited (trading as AA Breakdown Services). Accident Management is underwritten by Acromas Insurance Company Limited.

Key cover Key exclusions
  • Provides cover within the UK, Channel Islands and Isle of Man
  • Roadside Assistance
  • Home Start
  • 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
  • You are not covered if you have exceeded five call-outs per 12 month period (seven for a joint account)
  • You may not be covered for same or similar causes of breakdown to that which the AA attended within the previous 28 days
  • Does not provide recovery for any vehicle following an accident
  • You are not covered when travelling in a car, van, minibus or motorcycle exceeding the weight restriction of 3.5 tonnes and max width restriction of 7ft 6in (2.3m)

If you’d like to upgrade your cover just call the AA now on 08009 75 29 85. You’ll find all the current upgrade prices below:

Upgrade Single Joint
Relay £67.35 £69.24
Stay Mobile £51.61 £52.88
Breakdown Repair Cover per eligible vehicle From £60.20 per eligible vehicle
European Breakdown Cover Price on application

Please note prices are subject to change and correct as at November 2014.

Mobile phone insurance

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

Key cover Key exclusions
  • 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.
  • Excess is £100 for Apple iPhones, £30 for all other handsets
  • Theft, loss, damage or breakdown where you have knowingly put your mobile phone at risk or you have not taken care of it. Examples are provided in the what you are NOT covered for’ section of the policy document
Actions you must take when you need to make a claim
Not taking these actions could result in your claim being declined:
  • If your phone is lost or stolen, you must notify the police and your airtime provider as soon as possible

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 through Online Banking

If you’re not registered for Online Banking, you won’t be able to benefit from managing your mobile phone insurance online. Register for Online Banking today in a few simple steps

Here’s how to register your phone online:

  • Sign in to Online Banking
  • Select your Ultimate Reward Current Account from the ‘My accounts’ page
  • Select the ‘Account benefits’ tab to view your account benefits. If you’ve already registered your mobile phone insurance details, your policy information will be automatically loaded.

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.

Home emergency cover

Home emergency cover is provided by AXA Assistance and is underwritten by Inter Partner Assistance S.A.

Key cover 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
  • 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
Actions you must take when you need to make a claim
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 Protection (As applicable)

Important note: If you opened your Ultimate Reward Current Account or changed your account to an Ultimate Reward Current Account on or before 1st December 2014 Card Cancellation will apply to you and not Card Protection.

Card Protection applies to accounts opened/changed to an Ultimate Reward Current Account between 1st December 2014 and the 28th February 2015. This will change from 1st March 2015 to Card Cancellation. Please see the Getting Started Guide for further information.

Card protection is administered by STAMS Ltd and is underwritten by Allianz Insurance plc.

Key cover
  • Covers all financial cards – call us if they are 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 08451 24 14 00 – we're open 24 hours a day, 7 days a week.

Telephone Banking

Call 08457 20 30 40 (if overseas call +44 1133 80 95 74), 24 hours a day.

AA emergency breakdown cover lines are open 24 hours a day, 7 days a week, 365 days a year.

The Ultimate Reward Customer helpline is open 24 hours a day, 7 days a week, 365 days a year.

Telephone banking lines are open 24 hours a day.

Travel money lines are open Mon-Fri 8am-10pm and Sat-Sun 10am-8pm.

We may monitor and record calls.


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Travel hints and tips

We've linked up with First Assist to provide our Ultimate Reward Current Account customers with some handy hints and tips when travelling.

Find out more
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