Free FlexAccount Travel Cover questions and answers

Yes, cancellation cover begins the date you received your letter and covers trips booked prior to the free cover start date. However, it will only cover claims that you were not aware of when the free insurance began.

You will need to compare the cover you have with this policy. We are unable to provide advice on which policy best meets your needs.

Up to 31 days, however to extend, please call 0845 246 1692 8am–8pm Monday–Friday and 9am–5pm Saturday. The maximum you can extend to is 180 days and you will be charged an extra premium for this extension.

Yes.

Members of the forces who do have a permanent UK address and are only temporarily (less than 6 months) stationed abroad are covered for trips that they make out of the UK. UKI† are unable to cover customers who do not have a permanent UK address and who do not travel out of the UK.

This policy only provides cover within Europe, however you can upgrade your policy to worldwide. Please call 0845 246 1692 8am–8pm Monday–Friday and 9am–5pm Saturday to upgrade your policy. You will be charged an additional premium to extend the policy to Worldwide cover and it is up to you to ensure that the FCO has not advised against travel to your destination. To check FCO advise you can call 0870 606 0290 or visit www.fco.gov.uk/knowbeforeyougo.

Europe - all countries defined as the United Kingdom, mainland Europe, the Republic of Ireland, Madeira, the Canary Islands, Syria, Turkey, Iceland, Azores, Tunisia, Egypt, Israel and all countries bordering the Mediterranean Sea. If you have paid the appropriate additional premium, UK Insurance Ltd† can upgrade the geographical limits of your policy to provide worldwide cover. Please call 0845 246 1692 8am-8pm Monday-Friday and 9am-5pm Saturday to upgrade your cover.

You must be a permanent resident of the UK to qualify for the free travel insurance.

The policy provided is free and designed to cover the vast majority of customers. The age restriction means that we can provide this cover with no charge. Customers aged 73 or under can qualify and will remain eligible until 31st December in the year of their 75th birthday. Customers between 74 and 79 can still benefit from discounted cover by calling 0845 246 1692 8am-8pm Monday-Friday and 9am-5pm Saturday to purchase an age extension policy directly with our insurance partner UK insurance.

If you are already covered you will receive cover until 31st December in the year of your 75th birthday. Anyone not covered, aged between 73 and 79, you can buy an upgrade from £34 per account. Please call on 0845 246 1692, you will also be medically screened.

You only need to call UKI for medical screening if you have any pre-existing medical conditions. If you don’t have any medical conditions to declare you can travel on the basis of the standard policy terms and conditions. Please refer to your policy document for further information.

Please refer to your policy document page 5. If you have a pre-existing medical condition you should call 0845 246 1692 for a medical screening. The insurer may ask for an additional premium to cover any pre-existing conditions. The insurer reserves the right not to extend this policy.

A pre-existing medical condition is when, at the time of booking or leaving on the journey or becoming eligible for this cover you are unable to comply with the Medical Statements on page 5 of the policy document.

If you add someone to your account they will benefit from the free travel cover subject to the age restrictions. For more information, view details of the eligibility criteria.

No, the free policy is for the named account holder(s) only.

No, the free policy is for the named account holder(s) only.

If you have received a letter stating that you have qualified for the free insurance offer you will be covered subject to meeting the terms and conditions of the insurance. You will continue to be covered until we tell you otherwise by letter.

Travel Cover is provided unless your FlexAccount is closed or if an account holder is removed. Nationwide will notify you to inform you that you no longer meet the eligibility criteria. If you purchase additional upgrades, some of these are issued on an annual basis, the insurer will write to you when they are due to expire, you should only purchase these upgrades whilst you are entitled to the FlexAccount cover, as they will only remain in force whilst you have the benefit of the account. Please inform UK insurance on 0845 246 1692 if you have purchased an upgrade or paid to cover a pre-existing medical condition and have subsequently changed address

Nationwide FlexAccount Travel Cover is underwritten and administered by UK Insurance Limited (UKI)†.

If you have been notified that you qualify for the insurance but are not sure if you are covered under the terms and conditions please refer to your policy document for full details. If you are still unsure, please contact UK Insurance Ltd† on 0845 246 1692 you will be medically screened and you may be asked to pay an additional premium to cover your conditions. UK Insurance† reserve the right not to cover you. You should call UK Insurance annually to ensure that cover remains in place.

Your policy document provides full details of your cover.

If you have purchased any upgrades to your free cover and your personal details change, for example change of name or address, you must inform UK Insurance Limited by calling 0845 246 1692.

No you do not have to take the cover. If you are eligible for the free policy you will receive this automatically. You should compare the cover you have elsewhere 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. You can opt out of this free insurance, to do so please return all your documents to: General Insurance Service Team, Nationwide Building Society, Kings Park Road, Moulton Park, Northampton, NN3 6NW. As this insurance is included as an integral benefit within your Nationwide FlexAccount, you do not pay a separate premium and would not receive any refund as a consequence of cancelling the policy.

Should there ever be an occasion where you need to complain, please refer to the below contact details;

To make an insurance related complaint, you can call 0845 246 1692. For written claims related complaints please write to Nationwide FlexAccount Cover Claims Services, 17 Quay Street, Manchester, M3 3HN. For all other written complaints please write to Nationwide FlexAccount Travel Cover Customers Services, PO Box 106, 37 Broad Street, Bristol, BS99 7NQ.

Under the Financial Services and Markets Act 2000, should the company be unable to meet all its liabilities to policyholders, compensation may be available. Insurance advising and arranging is covered for 90% of the claim, without any upper limit. Information can be obtained on request, or by visiting the Financial Services Compensation Scheme website at www.fscs.org.uk.

NBSTR112 is a Nationwide block policy number provided by UKI†. Please quote this reference.

If you have bought an upgrade, then you will need to inform the insurers UK Insurance Ltd†, so they can amend their records, otherwise, you do not need to call UK Insurance. Please call 0845 246 1692 8am–8pm Monday–Friday and 9am–5pm Saturday.

You can post this to: Nationwide FlexAccount Travel Cover Customer Services, PO Box 106, 37 Broad Street, Bristol, BS99 6NQ.

Please contact us on 08457 30 20 10.

Under European law, you and we may choose which law will apply to this contract. English law will apply unless you and we agree otherwise.

The airline must refund you any costs associated with your cancelled flight. You must always speak to them in the first instance and get anything they tell you in writing.

You do not need to register your trip dates with the insurer, you are covered as long as you meet the terms and conditions, so you should read and make sure you understand whether this policy meets your needs - it is up to you to ensure that it does.