Ultimate Reward Current Account

The policy cover offers assistance at the roadside or at home if your vehicle has broken down. There's even cover if you’re a passenger in someone else’s car. Got a joint account? There’s cover for both of you.

There’s cover under the policy if your Ultimate Reward Current Account is open and you’re paying the monthly fee, This includes:

Mechanical breakdown - Assistance to deal with a breakdown on the road within the UK, Channel Islands and Isle of Man.

• AA Roadside - An AA Patrol will try to repair the vehicle at the roadside or, if this is not possible, arrange a tow to a local garage for you, your vehicle and up to 7 passengers.
• Home Start - Brings all the benefits of AA Roadside to your doorstep and within 1/4 mile from home.

Please note:

• The service is only available in the UK, Channel Islands and Isle of Man.
• You must be with the vehicle when it breaks down and when help arrives.
• If you have an accident, the AA does not provide vehicle recovery.

If you need breakdown assistance, please call: 0800 0512 248.

You will need your Ultimate Reward Current Account sort code and account number to hand when you call.

The AA Breakdown cover is provided by Automobile Association Developments Limited, trading as AA Breakdown Services.

Please note that these are just some of the important points – full details of the conditions and exclusions can be found in the policy document included in the Ultimate Reward Current Account Getting Started Guide (PDF 1.3MB).

We will also provide you with the Insurance Product Information Booklet (PDF 2.4MB) as part of the account application process.

Most of us would struggle without our mobile phones, so if it gets broken, damaged, lost or stolen there is cover for:

• Repair or replacement of your phone worth up to £2,000 (including VAT) if it breaks, is damaged, lost or stolen.
• One phone for you as the account holder, or up to two phones for a joint account.

Things to consider

• An excess of £100 is payable on all successful claims.
• You can’t have more than 2 successful claims per account holder in any 12 month period.
• If your phone is lost or stolen, you must let the police and your airtime provider know as soon as possible.
• You won't be covered for theft, loss, damage or breakdown where you have knowingly put your phone at risk or not taken care of it.
• You may be required to provide a proof of ownership to support your claim (for instance documentation from your network provider, till receipt etc.)

You can register your phone to make claiming easier
Register your mobile phone details with the insurer via your online banking. Or call 0345 124 1400. Lines are open from Monday to Saturday 8am to 8pm, and on Sunday from 9am to 5pm.

Please follow these steps to register your phone online:

1. Sign into Online Banking. If you don't already use Online Banking you can register here.
2. Select ‘More actions’ next to your Ultimate Reward Current Account.
3. Then select ‘Account information and benefits’ and the ‘View account benefits.
4. Register your phone with the insurer under the ‘Mobile phone insurance’ section.

Making a claim?

You can make a claim with the insurer by calling 0345 124 1400. Lines are open from Monday to Friday 8am to 8pm, Saturday and Sunday from 9am to 6pm.

Mobile phone insurance is arranged through Lifestyle Services Group Limited with a single insurance provider, Assurant General Insurance Limited.

Please note that these are just some of the important points – full details of the conditions and exclusions can be found in the policy document included in the Ultimate Reward Current Account Getting Started Guide (PDF 1.3MB).

We will also provide you with the Insurance Product Information Booklet (PDF 2.4MB) as part of the account application process.

Home Emergency cover helps you deal with unexpected things that need immediate action to ensure your home is safe and secure. You never know when you might have to deal with your central heating failing or a pipe bursting in your home. The policy includes cover for up to £250 for the provider to choose a professional to deal with your problem.

The policy only covers home emergencies which need immediate action to:

• Make your home safe or secure.
• Avoid damage or prevent more damage.
• Get you electricity, gas or water back after total failure.

You are not covered if the home was left unoccupied for over 60 days.

If you need to make a claim, please note:

• You must contact the insurer before instructing any other tradesman.
• Are you a tenant? Ensure your landlord agrees before contacting the insurer.

If you don't do this, your claim could be rejected.

If you need to make a claim or want more information call 0345 124 1400. Lines are open 24 hours a day, 7 days a week, 365 days a year.

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

Please note that these are just some of the important points – full details of the conditions and exclusions can be found in the policy document included in the Ultimate Reward Current Account Getting Started Guide (PDF 1.3MB).

We will also provide you with the Insurance Product Information Booklet (PDF 2.4MB) as part of the account application process.

The family travel insurance policy provides cover for you, your spouse or partner (who you live with) and children under 18, or under 24 if they’re in full time education. It includes cover for personal belongings, certain sports and activities and golf trips.

Please note - existing medical conditions are not covered, unless these are agreed with the insurer first, an additional premium may be payable.

If you have any questions about your cover please call 0345 124 1400. Lines are open from Monday to Saturday 8am to 8pm, and Sunday 9am to 5pm.

The policy includes cover for:

• Worldwide multi trip travel - this includes certain winter sports and golf trips. There's also cover for UK trips which have at least 2 nights' pre-booked accommodation.
• Your children - any of your kids who are under 18, or under 24 and in full time education. Covered when travelling with the account holder or a responsible adult.
• Your partner - a spouse, civil partner or partner, as long as they live with you.
• Personal Baggage - up to £2,500 if it is lost, damaged or stolen. This includes up to £500 for valuables, and up to £500 for a single article or pair or set of articles.
• Personal Money - up to £750 for loss, or theft. This includes up to £300 cover for cash. This is limited to £50 for under 16s.

Don't forget:

• Pre-existing medical conditions are not covered unless agreed with the insurer first.
• The longest trip length is 45 consecutive days. For winter sports, a maximum of 31 days cover in a calendar year.
• £75 excess per claim per incident may apply
• Kids are only covered when travelling with you the account holder, or a responsible adult.
• There is no cover if travelling against the advice of the Foreign, Commonwealth & Development Office (FCDO) or other regulatory authority
• There is no cover if you cannot travel or choose not to travel because the FCDO, or any other equivalent government body in another country advises against travel due to a pandemic
• To be covered trips must start and end in the UK.
• The policy only covers persons permanently resident in the UK.
• All cover ends when the account holder turns 71. As long as the account holder is less than 71, their spouse, partner or civil partner (who they live with) will also be covered until they reach 71. Eligible children can also be covered so long as they are travelling with the spouse, partner or civil partner of the policyholder.

If you need to make a claim or want more information ring AXA on 0345 124 1400. From abroad call +44 149 528 1297. Lines are open Monday to Saturday 8am to 8pm, and Sunday 9am to 5pm for customer services. And 8am to 8pm Monday to Friday and 9am to 5pm Saturday for claims. Excluding bank holidays.

Cover is provided and underwritten by AXA Insurance UK plc.

Please note that these are just some of the important points - full details of the conditions and exclusions can be found in the policy document included in the Ultimate Reward Current Account Getting Started Guide (PDF 1.3MB).

We will also provide you with the Insurance Product Information Booklet (PDF 2.4MB) as part of the account application process.

Call the provider if your cards are lost or stolen and they’ll request for them to be cancelled on your behalf.

This service is provided by Citymain Administrators Ltd , part of the SPB UK & Ireland Group Companies.

Only one phone call is needed for you to request that all your lost or stolen financial cards are cancelled and replaced.

The service lets you cancel:

• All money cards – register all your cards from any bank or building society.
• Financial store cards - the provider can keep a note of these numbers too.

The provider can log your passport and driving licence numbers in case you need them.

You don't have to register your cards but if you do, it will make it quicker and easier for the provider to complete a loss report for you if they are lost or stolen.

When you call, Citymain Administrators Ltd will complete a loss report on your behalf. They will also contact your relevant card issuer(s) to request that your cards are cancelled and new ones sent to you. If any of your card issuers need you to contact them directly they will let you know.

This service is provided by Citymain Administrators Ltd , part of the SPB UK & Ireland Group Companies.

Please note that these are just some of the important points – full details of the conditions and exclusions can be found in the policy document included in the Ultimate Reward Current Account Getting Started Guide (PDF 1.3MB).

If your Ultimate Reward Current account debit card has been lost or stolen let us know as soon as possible.

You can report your card lost or stolen and order a new one by:

• Signing into the Mobile Banking app or Online Banking.
• Calling 0345 124 1400 or +44 1495 28 12 97 if you’re abroad. Lines are open 24 hours a day, 7 days a week, 365 days a year.

Packaged bank accounts typically involve paying a monthly maintaining the account fee in return for additional account perks and benefits. For example, these benefits could include breakdown cover, mobile phone insurance and travel insurance, all of which would be covered by the monthly account fee. These are on top of all the features you might normally expect from a current account. If you have a need for more than one of the benefits, It’s a great way to have your insurances grouped together and can often be seen as more cost effective.

Joint accounts are a great way to manage household finances together. The monthly fee to maintain the account is the same whether account is in a sole name or joint names, if both parties have a need for more than one of the benefits, you may find this provides a cost effective way to cover your insurance needs.

If you are looking to open a joint account with somebody else, the process can be slightly different to opening a single account. One of you can start by opening a bank account online. You’ll both then need to pop into branch to make it a joint account. This allows us to carry out the necessary checks to ensure the account is set up as joint.

If you already hold an account held in joint names with us already, one of you can change your existing account into the Ultimate Reward Current Account through our mobile app, by going to the account menu and clicking ‘Change account type’ or by signing into Online Banking and clicking ‘Upgrade now’.

For more information and terms and conditions for this account, read the Ultimate Reward Current Account Getting Started Guide (PDF 1.3MB).

For more information about the fees associated for Payment Services with this account please see the Fee Information Document (PDF 137KB).