Ultimate Reward Current Account common enquiries

• AXA Insurance UK plc (AXA) underwrite the travel insurance that comes with your account and, in line with section 1 of the policy general conditions, we are now giving you notice on their behalf that the policy will be cancelled at midnight on 20 November 2021 and immediately replaced on 21 November by travel insurance provided by AWP Assistance UK Ltd (Allianz Assistance) which is underwritten by AWP P&C SA (the new insurer). There’ll be no break in insurance cover but some of the changes may affect your cover
• The maximum single trip duration of 45 consecutive days will reduce to 31 consecutive days. It’s important to remember this if you book a trip before 21 November 2021
• If you’ve already booked or intend to book a trip lasting more than 31 consecutive days that begins on or after 21 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 before 21 November 2021, for this trip only, you will continue to be covered for up to 45 consecutive days from the date of travel
• If you claim for incidents which occurred after 21 November 2021, where an excess applies, it’ll increase from £75 per claim per incident to £75 per adult per incident
  
• 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 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 21 November 2021
  
• If you purchase an upgrade with AXA for risks which are not covered under the policy as standard before 21 November 2021, your upgrade will continue to be underwritten by AXA until the expiry date stated in your upgrade schedule and will not be cancelled. All claims will be managed by Allianz Assistance for incident dates on or after 21 November 2021. You will receive confirmation letters separately from AXA and Allianz Assistance which include guidance on who to contact. You do not need to take any action
  
• From 21 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 because of an epidemic or pandemic
  
• There’s still cover for cancellation if a booked trip needs to be cancelled because you or someone else covered under the policy are asked to quarantine on an individual basis. From 21 November your cancellation cover will also cover you if 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
  
• You’ll have access to a remote UK GP telephone and video consultation service if you want medical advice when you’re overseas
  
• There will also be some changes to cover levels, for example for Ski and Golf cover. In particular, the cover limit for hired golf equipment is reducing from a maximum of £50 per day, up to a limit of £400, to £35 per day, up to a limit of £175
  

Please read the terms and conditions enclosed within the Guide to Changes (PDF, 280KB) for full details and exclusions. We’ve also provided some examples of pandemic cover under the new policy in the Guide to Changes (PDF, 280KB).

• 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 to the Home Emergency cover. There will also be a change to the Mobile Phone Insurance benefit that comes with this account to make it clear that for incidents occurring from 21 November, if you make a valid claim for a replacement handset, you will receive a refurbished device which has been through a comprehensive checking process to ensure it’s in full working order. For details of the changes, please refer to the Guide to Changes (PDF, 280KB)