Packaged Bank Account Benefit Changes - Frequently Asked Questions

From 21st November 2021 we are making some changes to the benefits that come with our packaged bank accounts. To help you understand what this means for you, we’ve answered some frequently asked questions below.

Please note, some of the benefits listed might not come with your particular packaged bank account. You can check what benefits are included in your account by reviewing your Getting Started Guide.

 

The below list are links to the different benefit section headings further down on the page: 

 

 

Please note that not all accounts come with the benefits in the list above, please check the terms and conditions for your account.

Overview of Packaged Bank Account benefit changes from 21st November 2021

From 21st November 2021 there will be some changes to the benefits that come with your Packaged Bank Account. 

  • Epidemic/Pandemic Cover: There won’t be cover if you’re abroad and you are instructed to return home, or choose to leave early to avoid having to quarantine when you get home, due to an epidemic or pandemic declared by the World Health Organization (WHO) or an official government authority like the Foreign, Commonwealth and Development Office (FCDO).

    • The instruction to return home could come from UK Government or from the government of the country you’re visiting.
    • There is still cover for emergency medical expenses. There's also still cover for you or someone covered under the policy if a booked trip needs to be cancelled because either you or they, or a companion you are travelling with is asked to quarantine on an individual basis.
    • There will be additional cancellation cover for you or anyone you are travelling with who is covered under the policy, if you’ve booked to travel and either the carrier or a Government authority will not let you travel, because at the point of boarding, you are showing symptoms of a contagious disease.

    Please read your terms and conditions for full details and exclusions. We’ve also provided some examples of pandemic cover under the new policy in the Guide to Changes (PDF, 2.6 MB)

    Trip Duration: The maximum single trip duration of 45 days will reduce to 31 days. If you’ve already booked (or intend to book) a trip lasting more than 31 consecutive days beginning on or after 21st November 2021 and haven't already purchased a trip extension upgrade, you will need to contact Allianz Assistance to extend your cover. If your trip starts before this date, for this trip only, you will still be covered for up to 45 days. 

    Excess: Under the new policy, where an excess applies, this will increase from £75 per claim per incident to £75 per adult per incident. The excess no longer applies to children.

    Medical Conditions: There will be changes to the medical screening process. If your health (or the health of anyone covered by the policy) changes before you book a trip, you will need to let Allianz Assistance know. They may ask you to pay a premium or could refuse cover for those medical conditions. This will also apply to any new upgrade for medical conditions that you purchase from the new insurer on or after 21st November 2021. Further information can be found below. Upgrades and medical screenings are sold, underwritten and administered directly with the insurers

    Overseas Medical Assistance: As well as the 24-hr emergency medical team, you will also have access to a remote UK GP telephone and video consultation service if you need medical advice overseas.

    Golf Equipment: The cover limit for hired golf equipment is reducing to £35 a day (up to a maximum of £175).

  • Card Cancellation will no longer be a service provided with the account. Once the Card Cancellation benefit ends, the data will be destroyed within a reasonable period of time and in line with our policy requirements.

    There will be some changes to the AA Breakdown cover and the Home Emergency cover. There will also be a change to the Mobile Phone Insurance. For full details of the changes, please refer to the Guide to Changes document.

  • The new travel insurance will be provided by AWP Assistance UK Ltd (Allianz Assistance) and is underwritten by AWP P&C SA.

    Allianz Assistance is part of the Allianz Group, one of the world’s largest insurers and leading financial services companies. They specialise in assistance, international health & life, automotive and travel insurance. Their global family is present in 76 countries handling over 44 million cases a year, protecting and caring for their customers and employees on all continents, 24/7.

  • You’ll still be able to log or manage any claims for any incidents that happened before the 21st November 2021 online through your (AVA internet) (URCA Online) banking. 

  • No, there will be no change to your monthly maintaining the account fee as part of these changes.

  • You can downgrade your account to a non-packaged account at any time. This can be done through your online banking; by going into a branch or through telephone banking.

General questions

Travel Insurance

Travel Insurance claims

Changes to Travel Insurance cover limits from 21st November 2021

  • The maximum single trip duration of 45 consecutive days will reduce to 31.

    If you’ve already booked (or intend to book) a trip lasting more than 31 days starting on or after 21st November 2021 and haven't already purchased a trip extension upgrade, you will need to contact Allianz Assistance to extend your cover, an additional premium will be payable.

    If your trip starts on 20th November 2021 (or earlier) you will be covered for up to 45 consecutive days from the date of travel, for this trip only.

  • There will be a new portal called the ‘Allianz Assistance Hub’. You will be able to access this through your internet banking or the mobile banking app from 21st November 2021. If you prefer, you will still be able to call Allianz Assistance on +44 (0) 208 239 3931

    The ‘Allianz Assistance Hub’ will allow you to log a claim, check your cover or purchase some upgrades e.g. trip extension. You’ll also be able to receive an automated payment if your flight delay qualifies and you have pre-registered your details.

    In addition, there will be a new service to provide a video telephone appointment with a UK GP whilst you are overseas, subject to terms and conditions.

    For a full list of changes, please visit the Guide to Changes (PDF, 2.6 MB).

    Please remember, all upgrades and medical endorsements are sold and administered by Allianz Assistance.  

Pandemic Cover

  • The following cover will be removed from 21st November 2021:

    There won’t be cover if you’re abroad and you are instructed to return home or choose to leave early to avoid having to quarantine when you get home due to an epidemic or pandemic declared by the World Health Organization (WHO) or an official government authority. The instruction to return home could be from the UK Government or from the government of the country you’re visiting.

    The following cover will be added from 21st November 2021:

    There will be additional cancellation cover for anyone covered under the policy if you or someone you are travelling with have booked to travel and either the carrier or a Government authority will not let you travel, because at the point of boarding, you or they are showing symptoms of a contagious disease.

    Cancellation cover will now be provided for those covered under the policy, if anyone travelling with the policy holder has been told to quarantine due to a suspected exposure to COVID-19. Note that this does not include local lockdowns or a wider quarantine order.

    The following are some examples of cover that will remain unchanged:

    You will still have cover for emergency medical assistance overseas if you fall ill. Cancellation and medical cover will also still be in place for anyone booked to travel and covered under the policy if they are asked to quarantine on an individual basis.

    Further examples where cover is and isn’t available from 21st November 2021:

    Cover available:

    On 1st December 2021 a friend you are travelling with is contacted by NHS Test and Trace / NHS Test and Protect (Scotland) and needs to self-isolate and is therefore unable to come with you. In this scenario you will be covered for trip cancellation.

    No cover available:

    You are due to travel on the 1st December 2021. At the time you booked there were no restrictions on travelling to your destination. Two days before your trip starts the Foreign, Commonwealth and Development Office travel advice to that destination changes, and now advises against all but essential travel. As a result you have to cancel your trip. In this instance, you would not be covered for any cancellation costs, but should instead seek reimbursement from the travel provider or any other alternative source, such as your credit card issuer.

    It is important you read the travel insurance terms and conditions to ensure the policy will and will continue to meet your needs.

  • If you’ve been affected by COVID-19 (either before or after 21st November 2021), we have a dedicated page of frequently asked questions. This provides information if your trip is disrupted, which may be able to help resolve any questions you may have.        

Medical endorsements

  • If you or anybody to covered under the policy have a pre-existing medical condition, this will need to be declared to the new insurer prior to booking a trip.

    Following any medical screening with the new insurer, cover for medical conditions may be subject to you paying an additional premium or you may be refused cover for the medical condition(s). This will be confirmed when you contact the new insurer. Any additional cover purchased is known as a medical endorsement. Upgrades and medical screenings are sold, underwritten and administered directly with the insurers.

  • All pre-existing medical conditions, regardless of their nature or whether a diagnosis has been confirmed, must now be declared to the new insurer before you travel. Failure to do so may result in you not being covered.

    As an example, if you see a Doctor about an illness prior to your trip but do not receive a diagnosis, and then you fall ill abroad and require hospital treatment, you would not be covered for this expense unless you had made the insurer aware of this "undiagnosed condition" prior to the trip and they have agreed to cover it. See the "Health declaration and health exclusions" section of the policy for more information. Upgrades and medical screenings are sold, underwritten and administered directly with the insurers

  • Yes.  Any upgrades purchased directly from AXA will automatically continue until the expiry date.  From 21st November 2021, any claims occurring on or after this date will be managed by Allianz Assistance. You will receive confirmation letters from both AXA and Allianz Assistance, which will include guidance on who to contact.

    At your next renewal you will be subject to the terms and conditions of the new insurer and you may have to pay an additional premium or cover may be refused.  This will be confirmed when you contact the new insurer.

    If you have a single trip medical upgrade purchased through AXA you will still have this cover until the expiry date.  Any claims for incidents occurring on or after 21st November 2021 will be managed by Allianz Assistance. Note that you will not be able to take out further single trip medical cover with Allianz Assistance as they do not offer this service.

  • You will need to tell the insurer about any pre-existing medical conditions when renewing any medical conditions upgrades or if there are any changes in your health or to the health of anyone to be covered by the policy before booking a trip. Cover for medical conditions may be subject to an additional premium or you may be refused cover for the condition. This will be confirmed when you contact the insurer. Upgrades and medical screenings are sold, underwritten and administered directly with the insurers.

AA Breakdown Cover

Card Cancellation

Mobile Phone Insurance

Home Emergency Cover