When do I get cover?
- If you want to qualify by completing an account transfer:
-
Once your account transfer is complete we will send you a FlexAccount Travel Cover Eligibility Declaration to read, complete and return to us.
Your cover will not start until you receive your Certificate of Insurance - we’ll send this to you within two weeks of receiving your completed FlexAccount Travel Cover Eligibility Declaration.
- If you want to qualify by paying £750 into your account every month:
-
If you meet the eligibility criteria and you have made 3 consecutive monthly payments into your FlexAccount, we will send you a FlexAccount Travel Cover Eligibility Declaration to read, complete and return to us.
Your cover will not start until you receive your Certificate of Insurance - we’ll send this to you within two weeks of receiving your completed FlexAccount Travel Cover Eligibility Declaration.
Remember the payments must be:
- from external sources, not other Nationwide accounts (such as Savings)
- made each month – you will not qualify if you make two payments of £4,500 in a year.
- paid into one FlexAccount – you will not qualify if the payment is split into two or more separate accounts.
- Will my cover end if I miss 1 or 2 monthly payments?
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We understand that sometimes it isn’t possible to credit your account every month. Cover won’t be removed without informing you first, and giving you at least 3 months notice. Cover would only cease immediately if the account is closed, or if you have a joint account and your name is removed.
Who's covered?
If you add someone to an account which already benefits from travel cover, they will also need to complete a FlexAccount Travel Cover Eligibility Declaration at the point of joining the account. Once this has been processed a letter will be sent confirming the start date. This will be sent in the first week of the month after the account holder was added.
Children are not covered automatically, however you can upgrade to provide cover for your family by contacting U K Insurance Limited. Please call 0845 246 1692 8am–8pm Monday to Friday and 9am–5pm on Saturdays. Please note that children must travel with at least one of the account holders in order to be covered. Children are not covered if they travel alone.
Age criteria
- I am over 73, am I eligible?
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If you are already covered and have received a confirmation letter, you will be covered until 31 December in the year of your 75th birthday.
If you are aged 74 and over and are not already covered, from 1 April 2013 we are unable to cover you under this policy. You may want to consider our FlexPlus current account which offers an age extension policy for its worldwide family cover (subject to an additional premium). Alternatively, the (ABI) website* provides additional information and guidance on options available.
Medical conditions
- What do I need to do if I have a pre-existing medical condition?
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You need to call for medical screening if you have any pre-existing medical conditions meaning you can not comply with the Medical Statements on page six of the policy document.
You will be medically screened and you may be asked to pay an additional premium to cover your conditions. U K Insurance Limited reserves the right not to cover you. You should call U K Insurance Limited annually to ensure that cover remains in place.
Please note pre-existing medical conditions are not covered unless they are disclosed.
UK Residents FAQ
- What is the definition of a UK resident?
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A UK resident is someone who has their main residence in:
- England
- Northern Ireland
- Scotland
- Wales, and
- The Isle of Man
All journeys must start and end in the UK in order to be covered for travel cover.
Duration of travel cover
- When does my travel cover end?
-
Provided you continue to hold a FlexAccount with a Visa debit card (not cash card+) you are covered until the end date shown on your confirmation letter. Cover will be reviewed annually to make sure you still meet the eligibility criteria and you will be notified at least 3 months in advance if the cover is to be removed.
- What is the maximum duration for each trip covered by the policy?
-
You are covered for up trips to 31 days.
If you wish to purchase a trip extension upgrade, please call 0845 246 1692 8am–8pm Monday to Friday and 9am–5pm on Saturdays. The maximum you can extend to is 180 days and you will be charged an extra premium for this extension.
What if I already have travel cover?
You should compare the cover you have with the cover provided by this policy.
We are unable to give advice on which policy best meets your needs, please ensure you are satisfied with the level of cover this policy gives you before cancelling any other policies.
If you decide to opt out of this free insurance you can do so by returning all your documents to:
New Account Opening - Banking Operations
Nationwide Building Society Head Office
Nationwide House
Pipers Way
Swindon
Wiltshire
SN38 1NW.
If you have more than one policy, any incidents covered by both policies may be shared proportionally between the two insurance companies. This will be based on the cost of the claim and the sums insured of each policy.
When you make a claim with either provider, you should provide details of your second policy. The insurers will then arrange a contribution between themselves. However, this will not affect the claim.
Terms of travel cover
- What am I covered for under the travel policy?
-
Your policy document will provide full details of your cover. You can get a copy by:
- What is the definition of Europe?
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You are covered for travel in Europe – defined as the countries defined below:
- United Kingdom (England, Northern Ireland, Scotland, the Isle of Man and Wales)
- Channel Islands
- Mainland Europe
- Republic of Ireland
- Madeira
- Canary Islands
- Syria
- Turkey
- Iceland
- Azores
- Tunisia
- Egypt
- Israel
And, and all countries bordering the Mediterranean Sea.
If you have paid the appropriate additional premium, U K Insurance Limited can upgrade the geographical limits of your policy to provide worldwide cover. Please call 0845 246 1692 8am-8pm Monday to Friday and 9am-5pm on Saturdays.
- Who provides Nationwide FlexAccount travel insurance?
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Nationwide FlexAccount Travel Cover is underwritten and administered by U K Insurance Limited (UKI).
Travel cover documents
- What documents will I receive to confirm my insurance cover?
-
When you qualify for travel cover and return a FlexAccount Travel Cover Eligibility Declaration you will receive a Certificate of Insurance confirming:
- who is covered by the policy
- your policy number, and
- the end and renewal date of your cover.
Your cover will not start until you receive your Certificate of Insurance - we’ll send this to you within two weeks of receiving your completed FlexAccount Travel Cover Eligibility Declaration
Each year as part of the Annual review you will receive an updated Certificate of Insurance. This certificate will re-confirm who is covered by the policy, your policy number and when your cover will either end or be reviewed again.
These documents will not include the details of any upgrades or medical conditions. You will receive separate letters from U K Insurance Limited regarding these.
- What is my travel insurance policy number?
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NBSTR112 is the Nationwide block policy number provided by U K Insurance Limited. Please quote this reference if you contact them.
- I am going on holiday what should I take with me?
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We recommend you take your cover letter or certificate of travel insurance when you're travelling in case you need make a claim, together with:
- a copy of the policy document, and
- any upgrade endorsements you have purchased directly from U K Insurance Limited
If you don't, your cover will not be affected but it could lead to delays in the handling of any claims that may arise.
- Do you provide the travel insurance information in Braille, large print or on an audio cassette?
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Yes. Please contact us on 08457 30 20 10.
Upgrades
- What upgrades are available & how can I get one?
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The following upgrades are available:
- Family cover
- Worldwide travel
- Winter sports
- Trip extension
- Medical extension
- Golf
- Wedding
- Business cover
- Extended trip cover
- Excess waiver
- Hazardous activities
- Extension of cancellation cover
You can purchase an upgrade by calling 0845 2461692 8am-8pm Monday to Friday and 9am-5pm on Saturdays.
Upgrades to your policy are immediate but cannot be sold before the free cover has started.
Please do not contact U K Insurance Limited to purchase any upgrades until you have returned your FlexAccount Travel Cover Eligibility Declaration and received your Certificate of Insurance from Nationwide confirming your cover.
- Will my upgrade be valid if my free travel cover ends?
-
No your upgrades are only valid as long as your free travel cover continues with Nationwide. Once this ends your upgrade will be cancelled and cannot be reinstated.
Refunds will not be provided unless the upgrades are cancelled within the 14 day cooling off period and you have not travelled (for refunds within the cooling off period please call 0845 2461692).
Claims
- How can I make a claim?
-
To make a claim please call:
- 0845 246 1696, 8am–6pm Monday to Friday.
24 hour emergency travel service is also available. This includes medical assistance and a personal travel referral service for Nationwide FlexAccount holders travelling outside the UK.
Emergencies
Contact our assistance services as quickly as possible in the event of illness or accident (where costs are likely to be greater than £500) or any other emergency situation, such as the loss of a passport, involving an insured person, whilst abroad. Call:
Telephone 0141 349 0109 (UK) +44 141 349 0109 (abroad)
Fax 01252 740 111 (UK) +44 1252 740 111 (abroad).
Please state that you are a Nationwide FlexAccount customer and provide details of the problem. An experienced UK-based coordinator will deal with your enquiry and ensure where necessary that:
- Hospitals are contacted and necessary fees guaranteed.
- Medical advisers are consulted at the outset for their views on the possibility of arranging your return to the UK.
- Assistance upon arrival in the UK is provided where medically necessary.
Annual Review – final review
- Why am I losing my travel cover?
-
The policy/travel cover is provided free and is designed to reward customers who are using the FlexAccount as their main account. (These are customers who deposit over £750 each month or customers who have recently completed an account transfer (from a non Nationwide account.)).
We reviewed your cover in August and sent you a letter advising you that your cover would stop in December if you did not credit your account with £750 or more per month. In December we reassessed the account and advised you that cover would end on 31 December.
In future you can still benefit from this free travel cover by crediting at least £750 into your account each month (excluding internal transfers).
NOTE: If you are crediting another FlexAccount with £750+ per month (excluding internal credits) your travel insurance will be extended on this account until 31 Dec 2013.
- You have recently notified me that my free travel cover will end soon, will this affect my other Flexclusives eg Flexclusive Saver?
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No, this will not affect your existing Flexclusives at this stage. We will inform you if in the future we decide to review eligibility to other Flexclusive offers.
- Why are my upgrades no longer valid?
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Upgrades are only valid as long as free travel cover continues, therefore the upgrade that you originally purchased ceased when your free FlexAccount cover finished on 31 December. Unfortunately these upgrades are not refundable outside of the 14 day cooling off period.
Complaints
- How do I make a complaint?
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Should there ever be an occasion where you wish to complain about your insurance claim, you can call 0845 246 1692.
If you would prefer to write about your complaint, the address is:
Nationwide FlexAccount Cover Claims Services
17 Quay Street
Manchester
M3 3HN
If your complaint is not about a claim please write to:
Nationwide FlexAccount Travel Cover Customers Services
PO Box 106
37 Broad Street
Bristol
BS99 7NQ
For any additional questions not covered off on this page – please refer to your or call on 0845 246 1692 (8am-8pm Monday-Friday and 9am-5pm Saturday).
†U K Insurance Limited (UKI) is authorised and regulated by the Financial Services Authority (FSA). The FSA registered number is 202810. Address – The Wharf, Neville Street, Leeds, LS1 4AZ. U K Insurance Limited is registered in England. Registration number – 1179980.
*Nationwide FlexAccount travel insurance is subject to eligibility, conditions and exclusions apply. Pre-existing medical conditions must be disclosed. Maximum trip limit of 31 days applies. Insurance provided by U K Insurance Limited.