FlexAccount Travel insurance isn't available to new members anymore. If you already have FlexAccount Travel insurance, there are a few things you'll need to do to keep it. 

Changes to FlexAccount travel insurance

FlexAccount travel insurance is changing as a result of the coronavirus pandemic.

From 1 January 2021, you’ll no longer be covered for cancelling your trip due to Covid 19 or a pandemic, before you travel, unless it is for medical reasons. This will apply to all trips booked, or new accounts opened, on or after 1st January 2021.

For full details on these changes, make sure you read the Summary of Changes document.

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

You might be able to switch to our FlexPlus account, which includes travel insurance and additional benefits. 

How to keep your FlexAccount Travel insurance

If you have FlexAccount Travel Insurance and want to keep it, there are a couple of things you'll need to do to make sure it continues year on year.

Your travel insurance will continue as long as you:

  • Keep your FlexAccount open and pay in at least £750 a month (excluding transfers from another Nationwide account held by you or anyone else)
  • Remain a UK resident
  • Are 69 or younger.

If you’re 70 or older you'll need to buy an age upgrade each year to keep your travel insurance going. It’s easy to do – just call 0800 051 0154.

Coronavirus help: Keeping your FlexAccount travel insurance

We know that money might be a bit tighter this year. If you’ve been affected financially by coronavirus and can’t pay in at least £750 a month to your FlexAccount, don’t worry. You can fill in a form to keep your FlexAccount travel insurance until December 2021.

You’ll need the account number and sort code of your FlexAccount.

Apply to keep your FlexAccount travel insurance

Need assistance?

For 24-hour travel medical assistance call:
+44 141 349 0288 (Abroad)
0141 349 0288 (UK)
24 hours a day, 7 days a week

For non-emergencies and existing claims, call:
0800 051 01 54 (UK)
Monday to Friday: 8am - 6pm

For general enquiries or to purchase an upgrade, including medical screening:
0800 051 01 54 (UK) 
Monday to Friday: 8am - 8pm
Saturday: 9am - 5pm
Sunday: 10am - 5pm

More about travelling with your card

Existing medical conditions

Pre-existing medical conditions aren’t automatically covered by this insurance policy. So if you, or anyone else intended to be covered by this policy suffers from a condition, you might want to see if additional cover can be added. Just call UK Insurance Limited on 0800 051 01 54 to arrange a medical screening. Unfortunately, if you choose not to be screened, any claims relating to a pre-existing condition won’t be covered.

Summary of cover

The table below is a summary of the main travel insurance cover limits. Some sections of cover have additional limits so you should read the relevant sections of the policy document and Insurance Product Information Document (IPID) carefully. This will give you the full details of the cover and the relevant excesses and exclusions.
Nationwide FlexAccount Travel Insurance is provided by U K Insurance Limited†.

If you have a question, please get in touch or refer to the policy documents below.

Summary of cover
Features & benefits  Level of cover  Optional upgrade (Charges apply) 
Worldwide / European cover European Yes
Cancellation or curtailment charges
£5,000 per insured person
Travel medical assistance and other expenses £10 million per insured person  
Hospital benefit
£25 per day, max. £1,000 per insured person
Personal accident
£25,000  (£2,000 for death of under 18s) per insured person
Baggage / personal possessions
£1,500 (A single article limit of £300 and a valuables items limit of £400 applies) per insured person
Delayed baggage / personal possessions
£250 after 12 hours per insured person
Personal money Overall personal money limit £500 per insured person.
Cash limit £250 (16 and under £100) per insured person.
Passport and driving licence £500 per insured person
Personal liability £2 million
Delayed departure
£250 after 4 hours per insured person
Missed connections
£250 after first 4 hours per insured person
Missed departure
£1,000 per insured person
Legal costs
Number of days per trip
31 days
£50 per insured person
Winter sports
Not included in standard cover
Hazardous activities
Not included in standard cover
Business cover Not included in standard cover Yes
Golf cover Not included in standard cover Yes
Wedding cover Not included in standard cover Yes
Travel disruption cover Not included in standard cover

† 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.

If you have a question, please get in touch or refer to the policy documents below.

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