What you're covered for

The policy cover offers assistance at the roadside or at home if you or your eligible family member’s vehicle has broken down, whether as the driver or passenger.

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.

• Roadside Assistance - 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 or eligible family members, the vehicle and up to 7 passengers.
• At Home - Brings all the benefits of AA Roadside to your and your eligible family member’s doorstep and within ¼ mile from home.

With AA Breakdown Family Cover, there’s cover for account holders and certain family members in vehicles, whether you or they are the driver or the passenger. Family members must live at the account holder’s home address or, be temporarily living away from that address, but still within the UK (e.g. students). 

Eligible family members will include your:

• Partner*
• Parents**
• Siblings***
• Grandparents
• Children****
• Other family members*****

* including spouse, civil partner, fiancé/fiancée

** including stepparents, foster parents, father in-law, mother in-law

*** including brothers, sisters, brother in-law, sister in-law step-brothers, step sisters

**** including stepchildren, foster children, grandchildren, son in-law, daughter in-law

***** including aunts, uncles, nieces, nephews and first cousins

AA Breakdown Family Cover FAQ's

Please note:

• The service is only available in the UK, Channel Islands and Isle of Man.
• You or your eligible family member must be with the vehicle when it breaks down and when help arrives.
• There’s no cover when travelling in a car, van, minibus or motorcycle exceeding the weight restriction of 3.5 tonnes and max width restriction of 8ft 3in (2.55m).
• There may not be cover for same or similar causes of breakdown to that which the AA attended within the previous 28 days.
• The AA have the right to refuse to provide service if the vehicle is unsafe, unroadworthy, unlawful or you've failed to maintain it (for example no valid MOT or continued failure to refuel or charge your vehicle).
• If you have an accident, the AA Breakdown Family cover does not provide vehicle recovery. The AA Accident Assist service may be available. See below for more information.

If you need breakdown assistance, please call: 0345 124 1400.

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.

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

AA Accident Assist

AA Accident Assist is available to account holders only. This service could help if you or a person insured on your vehicle are in a motor accident where all parties are insured. The service could recover and fix your vehicle, provide a replacement vehicle or courtesy car and manage insurance claims.

The service is only available in England, Wales and mainland Scotland and is not available for motorbikes or mopeds.

We have included the AA Accident Assist terms and conditions in the Ultimate Reward Current Account Getting Started Guide. The link is provided below. You will only be asked to agree to the terms if you choose to use the service. The AA will check to see if you are eligible, talk through your situation, describe the help the service can offer, as well as any costs that may be involved, so that you can decide if you want to go ahead.

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).

What you're covered 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 - there's cover for the children of you/your partner when travelling with either of you or another responsible adult, provided the children are 18 or under (24 or under if still in full time education). There's cover for a dependent child where they are staying with a responsible adult even if they were not accompanied during their travel to the destination.
• Your partner - a spouse, civil partner or partner.
• 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. An additional premium may apply.
• The longest trip length is 31 consecutive days. For winter sports, a maximum of 31 days cover in a calendar year.
• £75 excess per adult per incident may apply.
• 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 and registered with a doctor in the UK.
• There is no cover for any amount recoverable from any other source such as your airline or your accommodation provider.
• 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 will also be covered until they reach 71.

You can access your packaged bank account benefits, view policy details and make a claim in the app and via Online Banking.

• For app, click on ‘view account benefits’ from the more button or search for ‘account benefits’.
• For Online Banking head to the ‘account benefits’ section.

You can also make a claim by calling Membership Services  +44 (0)345 124 1400

If you’re abroad and need assistance, you can call Allianz Assistance’s 24 hour assistance helpline on +44 (0)208 239 3931

Cover is administered by AWP Assistance UK Ltd (trading as Allianz Assistance) and underwritten by AWP P&C SA.

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) per claim (replacement phones will come from refurbished or re-manufactured stock i.e. not brand new).
• 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.

Assurant provide a mobile device trade in service for UK resident Halifax customers. You can trade in eligible mobile devices for a cash payment directly into your current account. More information on Assurant.

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.

You can also make a claim online using Online Banking or the Mobile Banking app. To do this, click on ‘Account Benefits’ under the ‘Benefits and Extras’ section and then select 'Home Emergency'.

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.

We won’t charge you debit card fees when you use your card to: 

• Make payments in a foreign currency 
• Take out money in any currency from an ATM at home or abroad
• Take out money over the counter abroad

If you’re abroad, and choose to pay for something in Pounds Sterling, the provider of the currency conversion may still charge you.

You can receive a Reward Extras offer each calendar month – by choosing one of the below offers for your Ultimate Reward Current Account. You’ll need to meet a set of conditions each month to get Rewarded.

Choose between:

• 3 x Digital Magazines - Choose from popular titles such as Cosmopolitan and Men's Health
  
• 1 x Cinema Ticket - See a film on us at any UK Vue Cinema (each ticket valid for 12 months)
• £5 in your account - Paid direct into your account

How to qualify

Each month you meet your chosen set of conditions you’ll receive your reward by the 12th of the following month. If you choose a lifestyle benefit you’ll receive the offer to your registered email address. If you choose the £5 offer, we’ll pay it into your account and it’ll appear on your statement.

Choose either to:

• Spend £500 on your debit card each month

or

• Keep £5,000 or above in your account each day of the month

You will also need to pay at least £1,500 into your account each month and stay in credit (keeping your balance at £0 or above).

Magazine Subscriptions

Choose three digital magazine from a host of well-known titles. The magazines currently available are:

Cosmopolitan

Country Living

ELLE

ELLE Decoration

Esquire

Good Housekeeping

Harper’s Bazaar

House Beautiful

Men’s Health

Prima

Red

Runner’s World

Women’s Health

How does it work?

A code will be sent via email to your registered email address with instructions on how to choose and access your magazines

Codes are valid for 12 months from the date of issue

Magazines can be read online or offline, through your internet browser, smartphone or tablet

Cinema Tickets

Enjoy one free cinema ticket each month to catch the latest blockbusters at Vue cinemas across the UK

You’ll also get a code for half price popcorn

You can use the cinema voucher for 2D, 3D or Xtreme films screenings. If there are any VIP seats available at your screening, then you'll get a free upgrade too

Codes are valid for 12 months, so you can save them for a film you’ve been waiting for

How does it work?

A ticket voucher code will be sent via email to your registered email address and can be used to make bookings online at www.myvue.com or at the box office at any Vue cinema in the UK only

Voucher codes are valid for up to 12 months from the date of issue and are not subject to time extensions

Voucher codes can be used to make bookings for 2D, 3D & Xtreme screenings any day of the week. No additional booking costs apply

Additional upgrade fees will apply

£5 Cash

You can earn up to £5 each calendar month – that’s up to £60 a year

You can keep on top of your progress for each monthly £5 offer by using the Reward Extras Tracker

How does it work?

As long as you meet the criteria for Reward Extras and have selected the £5 benefit, you don’t need to do anything else