Ultimate Reward Current Account

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 activites 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 accountholder 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 accountholder, 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 accountholder turns 71. As long as the accountholder 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 1633 439 015. 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).

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

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).

We will also provide you with the Insurance Product Information Booklet (PDF) 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).

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