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Coronavirus (COVID-19) and travel insurance

FlexPlus Travel insurance has changed as a result of the coronavirus pandemic. If you’re thinking about opening a FlexPlus account, make sure you read the Summary of Changes document as this forms part of your policy.

You are no longer covered for cancelling your trip due to COVID-19 or a pandemic, before you travel, unless it is for medical reasons. This applies to all trips booked, or new accounts opened, on or after 1 January 2021.

For more information about travel insurance during coronavirus, read our travel and coronavirus information page.

FlexPlus Insurance products & account benefits

FlexPlus comes with a range of quality insurance products and account benefits, providing reassurance for you and your family when you need it. If you're happy FlexPlus will benefit you, then you could save money if you already have travel, mobile phone and breakdown cover in place.

Don’t forget there’s just one monthly fee so if you have a joint FlexPlus account you still pay just £13 per month, but you both can benefit.

It is not possible to have a FlexPlus current account without the insurance benefits and FlexPlus is not available to buy separately.

Breakdown assistance even if it's not your vehicle*

UK & European breakdown cover, for you in any eligible vehicle** and also anyone driving your vehicle with your permission.

Home assist, roadside and onward travel all included

This means you're covered if you breakdown at home or out on the road

Hire car

48 hour hire car benefit in the UK. Up to £800 towards a hire vehicle in Europe.

No excess to pay

Unlimited call outs

No limits on the number of call outs you can make***

No need to register your vehicle

Cover starts when you open your FlexPlus account

*The account holder(s) must be with the vehicle when the breakdown professional arrives to access the vehicle.
**Please refer to your policy documents for full vehicle eligibility rules, including any exclusions.
***Vehicles must be serviced and maintained in line with manufacturer guidelines and we will ask to see evidence of servicing, maintenance and repair if we believe the service is being used excessively.

Things you need to know

Summary of cover

Key features

UK and European breakdown assistance for account holder(s) in any vehicle whether a driver or passenger, registered in the UK, that they are travelling in
Cover for anyone driving one UK registered vehicle registered to the account holder and which is being used with his/her permission. Where the account is in joint names then up to 2 vehicles can be covered
Assistance provided at home and at the roadside with national recovery and onward travel
No call out limit^***
No excess to pay

Summary of cover
Features & benefits	Are you covered? (up to)
Lack of fuel	Yes
Help with lost or broken keys	Yes†
Towing to a garage	Yes
Message forwarding service Message forwarding service	Yes
Public transport	Yes (£100)
Hire car benefit	Yes (48 hours)
Accommodation costs	Yes (£500)

†If we or the breakdown professional cannot help you then you will have to pay for specialist services such as a vehicle locksmith.

^***Vehicles must be serviced and maintained in line with manufacturer guidelines and we will ask to see evidence of servicing, maintenance and repair if we believe the service is being used excessively.

Key exclusions and limitations

The following are not covered:

The cost of replacement parts and associated labour to repair the vehicle
Vehicles not registered to the account holder(s) unless the account holder(s) are in the vehicle at the time of breakdown and when the breakdown professional arrives
Vehicles being used for hire and reward purposes (such as taxis)
Vehicles that do not have a valid MOT, any applicable vehicle tax, or are not serviced or maintained in line with manufacturer guidelines
Vehicles must not exceed any of the following dimensions when fully loaded:
1. Caravans and trailers - 8 metres in length (including A-frame)
2. Motorhomes - 8 metres in length or 7.5 tonnes in weight
3. All other vehicles - 7 metres in length, 2.3 metres in width, 3 metres in height or 3.5 tonnes in weight (Please see Section 2 and 3B of the policy document, for further details on vehicle eligibility)
Vehicles not registered in the UK
Vehicles using trade plates or where the vehicle is under the control of a motor trader for the purpose of its sale

For a full list of exclusions & limitations, please refer to the policy document.

Important information

Important information
How to obtain breakdown assistance If you need to obtain breakdown assistance, please also read part 4 of the policy document
General enquiries:	UK number: 0800 11 88 55 International number: +44 1793 541 200
Breakdown in the UK:	0800 587 7100
Breakdown in Europe only:	+44 (0) 1202 311431 (Mobile phone rates may vary)
Text Phone for the hearing impaired:	18001 when in the UK +44 (0) 151 494 1260 when in the ROI or Europe

Download the FlexPlus Guide
Download the full policy document
Your Insurance Product Information Document (IPID) allows you to compare your policy with those of other providers

Already have breakdown cover?

If you have an existing policy that gives you the same cover elsewhere, then you'll need to consider which policy is better for you, before applying for a FlexPlus account.

Please read the full policy document to help you make your decision.

Who provides this insurance?

FlexPlus UK & European Breakdown and Recovery Assistance is underwritten by Liverpool Victoria Insurance Company Limited.

Britannia and Britannia Rescue are registered trade marks and are trading styles of the Liverpool Victoria group of companies.

Liverpool Victoria Insurance Company Limited, registered in England and Wales number 3232514 is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, register number 202965. Registered address for all Liverpool Victoria companies: County Gates, Bournemouth BH1 2NF. Tel: 01202 292333

Worldwide cover

Worldwide cover if your phone's lost, stolen, damaged or faulty (exclusions apply, see below)

Your Family's phones are covered too

Family members include: you, your partner / spouse and dependent children who live at the same address as the account holder(s) (exclusions apply, see below)

Contract and Pay As You Go phones covered

Handset repair / replacement

We'll cover phones up to a value of £1,500 (including VAT), including cover for smartphones and iPhones (excesses apply)

Unauthorised network charges (calls, data etc.)

We'll cover unauthorised network charges too (up to £2,000)

No need to register your mobile details

No need to register your phone up front, but it can make things simpler if you do need to make a claim

Things you need to know

Summary of cover

Key features

Worldwide cover for:

mobile phones owned by you or your family members, up to a value of £1,500 (including VAT) per claim
loss or theft, damage, breakdown (including faults)
unauthorised network charges (calls, data etc.) and accessories (limits apply please refer to Section 3A of the Policy Document)

Both contract and Pay As You Go phones are covered
Upfront registration is not essential, although it may help to simplify the claims process

Policy limits
Features & benefits	Level of cover (up to)
Handset repair/replacement	£1,500
Unauthorised call charges if your phone's on contract (including SIM-only)	£2,000
Unauthorised call charges if your phone's Pay As You Go	£250
Mobile accessories Mobile accessories	£250

Our mobile phone insurance policy changed on 1 November 2019. If you want to claim for something that happened on, or after that date, your claim will fall under our new policy. If you're claiming for something that happened before 1 November, we may assess your claim against our previous mobile phone policy if that's in your favour.

Excess if you claim

Excess if you claim
Who manufactures your phone?	Excess if your phone's stolen, or you lose it	Excess if your phone's damaged or breaks down
Apple	£125	£75
All other manufacturers	£100	£50

Apple is a trademark of Apple Inc., registered in the US and other countries.

Key exclusions and limitations

A maximum of 4 claims allowed per FlexPlus current account in a 12 month period
Excesses apply
Proof of ownership will be required to support your claim including a till receipt or documentation from your network provider
Police should be notified of loss or theft as soon as possible. For theft claims we will require a crime reference number to support your claim
Contact your network provider as soon as possible to bar your SIM card. If you make a successful loss or theft claim unauthorised network charges are only covered up to 24 hours after discovery of the incident up to the policy limits

For more information and a list of all the exclusions and excesses, please download the policy document.

Important information

Important information
For general enquiries or to register your mobile phone
Register: To register, you will need the following: The phone number of the mobile phone you wish to register, the make, model and IMEI number (IMEI number can be obtained by keying *#06# on the mobile phone) of the mobile phone and your Nationwide FlexPlus current account number and sort code. Not registering your mobile phone won't effect your ability to claim, however it could improve your experience if you register your mobile phone details up front.	Visit nationwide.lifestyleservicesgroup.co.uk or call us on 0800 11 88 55 Lines are open Monday- Friday 8am - 8pm and Saturday and Sunday 9am - 6pm
To make a claim If you need to make a claim please also read Section 4 of the policy document
You will need: Proof of ownership confirming the phone’s IMEI number To pay an excess: - For damage and breakdown claims it’s £75 for Apple, or £50 for all other handsets - For loss and theft it’s £125 for Apple, or £100 for all other handsets. If your phone is lost or stolen, remember to: let your airtime provider know report stolen phone(s) to the police	Visit nationwide.lifestyleservicesgroup.co.uk or call us on UK number: 0800 11 88 55 International Number: +44 1793 541 200 Lines are open Monday - Friday 8am - 8pm and Saturday and Sunday 9am-6pm

You will need to pay the cost of postage and packaging for accidental damage or breakdown claims when you send your phone for repair.

Download the FlexPlus Guide
Download the full policy document
Your Insurance Product Information Document (IPID) allows you to compare your policy with those of other providers

Already have mobile phone insurance?

If you have an existing policy that gives you the same cover elsewhere, then you'll need to consider which policy is better for you, before applying for a FlexPlus account.

Please read the full policy document to help you make your decision.

Who provides this cover?

FlexPlus Worldwide Family Mobile Phone Insurance has been arranged for Nationwide by Lifestyle Services Group Limited (Financial Services Register No.315245) with a single provider Assurant General Insurance Limited (Financial Services Register No. 202735).

Assurant General Insurance Limited, Registered in England and Wales No. 2341082. Registered Office: Emerald Buildings, Westmere Drive, Crewe, Cheshire, CW1 6UN. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Lifestyle Services Group Limited is registered in England and Wales, No.5114385. Registered Office: Emerald Buildings, Westmere Drive, Crewe, Cheshire, CW1 6UN. Authorised and regulated by the Financial Conduct Authority in respect of insurance mediation activity only.

Worldwide travel insurance for you and your family, including winter sports, golf and business.

*Exclusions and limitations apply, so please read the insurance policy carefully.

Covered wherever you travel

Our worldwide insurance ensures you are covered no matter where you travel (unless travel is against Foreign & Commonwealth Office advice)*

Cover for you and your family

Family members include you, your partner / spouse and dependent children who live at the same address as the account holder(s)*

Travel disruption cover

Cover in case your journey is affected by natural disasters or airline/travel end supplier failure*

Winter sports and golf cover

Many popular holiday sports are covered as standard*

Business cover

Includes cover for your baggage, accommodation and travel expenses as well as the cost of emergency replacement items*

Wedding cover

Includes cover for your wedding attire, rings and photographs if lost, stolen or damaged whilst on your journey abroad*

Need more cover just upgrade

Optional upgrades available to extend your cover, including for Hazardous activities and trips lasting more than 31 days

Aged 70+?

If any person to be insured is aged 70+ you must buy an age extension to be covered*

Have a medical condition?

The policy doesn’t provide cover for medical conditions unless declared to and accepted by the insurer. An additional premium may apply*

If our insurers U K Insurance Limited (UKI) are unable to offer you an upgrade to extend the level of cover you need, or your upgrade insurance premium is higher than you expected because you have medical conditions, help could still be available.

UKI have been working with the Financial Conduct Authority and the Money and Pensions Service to create a directory of specialist providers that you can search when UKI are unable to help.

Visit the Travel Insurance Directory or call 0800 138 7777 (Monday to Friday, 8am to 6pm).

Things you need to know

Summary of cover

Key features

Worldwide cover for your family** including: winter sports, golf, wedding and business cover all included as standard
Cancellation cover up to £5,000 per insured person
Cover where an insured person has checked-in and the transport is delayed by more than 2 hours
Medical expenses cover up to £10m per insured person
Cover for travel disruption caused by natural disasters or airline/travel end supplier failure
Cover for personal belongings and cash that are lost or stolen (limits apply)
Costs associated with obtaining key travel documents (e.g. passports) whilst on your journey
Allows all account holders, their partners and dependent children to travel independently of each other

Our Worldwide Family Travel insurance policy changed on the 1 November 2019. If you want to claim for something that happened before that date, we’ll make sure you get the best terms. If you’re better off under our previous worldwide travel insurance policy, we’ll go by that. And if our new policy would give you a better outcome, then we’ll cover your claim by the new terms.

**Family includes the account holder, their partner and dependent children. For the definition of these, please refer to the policy wording.

Inner limits may apply to the level of cover detailed below, please refer to the policy document (This link will open in a new window) for more detail.

Summary of cover
Features & benefits	Level of cover (up to)
Cancellation	£5,000
Missed departure	£1,000
Delay for 2 hours or more	£1,000
Medical expenses	£10 million
Delayed baggage (after 12 hours)	£250
Personal money or key travel documents	£500

Key exclusions and limitations

This policy does not provide cover for medical conditions unless declared to and accepted by us. An extra premium may be required
There is an upper age limit of 69. If any person to be insured is aged 70+ you must buy an age extension, which you need to renew annually in order for us to cover you. There is an annual £65 (including Insurance Premium Tax) and only one is required per account. When you call you will be asked some questions about the health of all insured persons
Trips for longer than 31 days are not covered unless trip extension cover has been purchased
A £50 excess per person applies to certain sections (see conditions)
The policy is only available to permanent UK residents, a UK resident is someone who is registered with a UK GP and spends at least 6 months of any 12 month period in the UK. All trips must start and end in the UK
Trips in the UK must be for 2 or more consecutive nights in pre-booked commercially operated accommodation
Any claims under the cancellation and curtailment sections of the policy relating to a member of your immediate family or a travelling companion who have been a hospital inpatient or put on a waiting list for hospital treatment in the 12 months before account opening or trip booking, whichever is later, are not covered
There is no cover under the cutting short your trip sections of the policy for the unused expenses of anyone who is not insured under this policy. For example, there is no cover for unused expenses relating to a travelling companion, regardless of who paid for the booking

For a full list of exclusions & limitations, please refer to the policy document .

Upgrades

The FlexPlus Worldwide Family Travel Insurance offers a range of ‘top-up’ insurance covers, each for an additional premium.

How to purchase upgrades

To purchase any of the upgrades in the following table, please contact U K Insurance Limited on 0800 051 01 54. Due to the coronavirus pandemic, the opening hours are currently Monday to Friday, 8am to 7pm, and Saturday, 9am to 5pm. The service is closed on Sundays.

Any upgrades purchased are only valid while you remain eligible for FlexPlus travel insurance and are subject to all the same terms and conditions as the standard policy.

Optional upgrades
Upgrades	Cost
Age upgrade if you or anyone to be insured are 70+ There is an upper age limit of 69 on the FlexPlus Worldwide Family Travel Insurance. If any person to be insured is aged 70+ you must buy an age extension, which you need to renew annually in order for the insurer to cover you. Only one age extension is needed per account and when you call you will be asked some questions about the health of all insured persons.	£65 (including Insurance Premium Tax)
Medical conditions The policy will not automatically cover claims directly relating to a medical condition. If you don’t tell the insurer, you may not be covered. The insurer will discuss the condition(s) and advise whether they can cover them for free, if an additional premium is required or if they can’t cover the conditions. If you, or anyone to be insured by the policy, has a medical condition and want to see if cover can be extended, please call the insurer U K Insurance Limited on 0800 051 01 54 (available Monday to Friday, 8am to 7pm, and Saturday, 9am to 5pm). An additional premium may be payable or we may not be able to cover your condition. You can also visit the U K Insurance travel insurance portal for an online quote. To register with and access the portal, you'll need your Nationwide current account details. For joint account holders, you'll need to register separately and use the primary address on your Nationwide current account and your personal data when registering. Visit the U K Insurance travel insurance portal	Variable depending on the medical condition(s)
Hazardous activities cover You can upgrade your travel insurance to cover hazardous activities such as bungee jumping. Remember winter sports and golf are already included as standard. For full details of what is covered and what isn't, please see your policy document.	£45 (including Insurance Premium Tax)
Trip extension You're covered for a trip that lasts up to 31 days as standard. If you're planning a longer trip then you can pay to upgrade your cover.	Variable depending on the length of your trip
Cruise cover If you are travelling on a cruise this upgrade will provide additional benefits specifically for a cruise trip that would otherwise be excluded. You are covered to travel on a cruise for all sections of cover that are included as standard with your FlexPlus travel insurance such as emergency medical and travel costs	£40 (Including Insurance premium Tax)
Extended personal belongings If you want to extend the cover provided as standard you can buy an Extended Personal Belongings Upgrade to increase the limits under the Personal Belongings section	£20 (Including Insurance premium Tax)
Extension of cancelling your trip cover If you are planning a trip and the value of that trip exceeds the maximum amount under the Cancellation section of the policy, you can extend the amount of cancelling your trip cover available for that single trip.	Variable depending on the cost of the trip
Guest cover If you want to add cover for anyone other than the account holder, their partner or any dependent child.	Variable depending on cover

Premiums correct as at 1 November 2019 and are subject to change.

Important information

Important information
Claims and general enquiries:
If you need to make a claim, please read the Important Information section of the policy document.	In the case of emergencies Please call us on: 0800 11 88 55 (UK) +44 1793 541 200 (Abroad) In the case of non-emergencies You can use the U K Insurance travel insurance portal to make a claim. To register with and access the portal, you'll need your FlexPlus current account details. For joint account holders, you'll need to register separately and use the primary address on your FlexPlus current account and your personal data when registering. Visit the U K Insurance travel insurance portal
Alternatively, you can call the following numbers to contact the insurer U K Insurance Limited directly:
Making a claim	0800 051 01 54 Monday to Friday, 8am to 6pm Saturday, 9am to 2pm
24-hour emergency assistance	Outside the UK: +44 141 349 0288 Within the UK: 0141 349 0288
Pre-travel advice:	0800 051 01 54 Monday to Friday, 8am to 7pm Saturday, 9am to 5pm
24-hour legal helpline:	0345 246 2110

Download the FlexPlus Guide
Download the full policy document
Your Insurance Product Information Document (IPID) allows you to compare your policy with those of other providers

Already have travel insurance?

If you have an existing policy that gives you the same cover elsewhere, then you'll need to consider which policy is better for you, before applying for a FlexPlus account.

Please read the full policy document to help you make your decision.

Who provides this cover?

FlexPlus Worldwide Family Travel Insurance policies are underwritten by U K Insurance Limited. Registered office: The Wharf, Neville Street, Leeds, LS1 4AZ. Registered in England and Wales No.1179980. U K Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, registration No. 202810.

How to manage your travel insurance

You can manage your existing FlexPlus travel insurance policy online using the U K Insurance travel insurance portal. From the portal, you’ll be able to make and check on outstanding claims (logged from 22 March 2021), view and download your travel insurance policy documents, complete medical screening, purchase upgrades, and more. Alternatively, you can also call U K Insurance Limited on 0800 051 01 54 (available Monday to Friday, 8am to 7pm, and Saturday, 9am to 5pm).

How to register for the travel insurance portal

If you already have a travel insurance policy with us, you can register with and access the portal using your FlexPlus current account details. For joint account holders, you'll need to register separately and use the primary address and personal data on your FlexPlus current account when registering.

Visit the U K Insurance travel insurance portal

It's easy to apply for a new FlexPlus account

Apply for a FlexPlus account

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