Travel insurance with FlexPlus

FlexPlus includes Worldwide Family Travel Insurance. You can change your cover to suit you.

We're making some changes to the FlexPlus Worldwide Family Travel Insurance from 21 September 2017. For more information please read the summary of changes.

What's included

  • Cover for any trip for 31 days or less anywhere in the world, unless the Foreign and Commonwealth Office (FCO) advice is against ‘all travel’
  • Worldwide cover for your family including: winter sports trips, golf, wedding and business all included as standard
  • Travel disruption cover
  • Cover for additional expenses, including food, if transport is delayed by 4 hours or more
  • Lost or stolen baggage, costs associated with obtaining key travel documents, and cash is covered (limits apply)
  • Cancellation cover for up to £5,000 per insured person
  • To see all inclusions, view the policy document (PDF).

Trips booked before you opened your FlexPlus account are covered. 

What's not included

  • Trips that started before you opened your account aren’t covered
  • An annual premium of £50 is payable per account for account holders and insured parties aged 75 years or over. You are not eligible to claim until you have paid this premium
  • £50 excess per person payable on claim (see conditions)
  • Trips must start and end in the UK. Trips in the UK must be more than 25 miles from your home and be for 2 or more nights in duration. Trips outside the UK must be no more than 31 days, unless extended journey cover has been purchased.UK trips must also be in a commercially run premises that doesn’t belong to a friend or family member
  • Reasons for claim known before opening the account or booking a trip will not be covered. This includes claims relating to medical conditions (suffered by you, your immediate family or a travelling companion unless declared and accepted by us). For example, claims for cancellation will not be covered where illness of a close relative was known before booking the trip
  • Dependent children are not covered unless travelling with an account holder or on a trip organised by their school or a recognised organisation
  • To see all exclusions, view the policy document (PDF).

Who is covered?

  • You, your partner/spouse and dependent children who live at the same address as the account holder(s)
  • All children (including legally adopted, foster and step children) of the account holder who at the start date of the journey have not reached the age of 19 (or not reached the age of 22 if in full time education), living at the home address and are unmarried or have not entered into a Civil Partnership
  • We will cover dependent children who do not reside permanently (or for the majority of the time) with the accountholder, providing the children reside permanently with the other parent for the remainder of the time
  • If you or anyone covered by the policy is 75 or older you will need to buy an age extension for an annual premium of £50
  • Cover is provided for dependent children travelling without the Nationwide FlexPlus current account holder(s) on trips organised by schools or recognised organisations that are supervised by adults.

Existing medical conditions

This insurance does not automatically provide cover for medical conditions suffered by you or anyone else to be insured by this policy. If you or anyone to be insured by this policy has a pre-existing medical condition and want to see if additional cover is available for that condition, you can call the insurer U K Insurance Limited on 0800 051 01 54 to arrange a medical screening. If you choose not be screened then any claims relating to a pre-existing medical condition will not be covered.

When am I covered?

As soon as your FlexPlus account is opened. If you’re switching from another Nationwide current account, you’re covered as soon as you’ve completed the application.

How can I change my cover?

You can purchase an upgrade for an additional premium to:

  • Extend your cancellation cover
  • Extend your trip duration
  • Waive your policy excess
  • Arrange cover for hazardous activities
  • Add named guests to your cover.

To purchase any of the above top up insurance covers please contact the insurer on 0800 051 0154 8am–9pm Monday– Friday, 9am–5pm Saturday and 10am-5pm Sunday.

What happens if my circumstances change?

  • If a family member stops living at your address they’ll no longer be covered
  • Once you turn 75, you’ll need to contact the insurer to be medically screened and pay an additional premium. You'll need to call and be screened each year after turning 75. The number to contact is 0800 051 01 54.

How do I cancel?

You can cancel your insurance cover at any time. This can be done by closing your FlexPlus account, at which point the benefits and services of our cover will no longer be available. Give us a call on 0800 11 88 55 to find out more.

If you cancel any of the benefits or services of your FlexPlus account, the account must be closed or switched to another current account that you are eligible to open. No refund will be due upon cancellation.

What if I've already got cover?

You may be paying twice for the same cover, so you’ll need to consider which provides the best cover for you.

Should I let you know before I travel?

You don’t have to as you’ll be covered automatically. However, please tell us if you’re going to use your card abroad – we’ll make sure it won’t be blocked.

What should I take with me?

Make sure you have the claims phone number, your FlexPlus account number and your travel insurance policy document.

Need assistance?

For 24 hour emergency assistance call the insurer directly:
+ 44 1413 49 02 88 (from abroad)
01413 49 02 88 (from the UK)

For non-emergency claims call:
0800 051 01 54 (Monday to Friday 8am – 6pm)

For general enquiries call:
0800 051 01 54
(Monday to Friday 8am - 8pm, Saturday 9am - 5pm, Sunday 10am - 5pm)

Find out more

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If you need to speak to a member of staff, pop into any branch. Use our branch finder to find your nearest location.

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Give us a call

If you can't find what you need on this page, then call us on 0800 30 20 11 and we'll be happy to help.

Worldwide Travel Insurance is provided for FlexPlus underwritten by U K Insurance Limited, Registered office: The Wharf, Neville Street, Leeds, LS1 4AZ. Registered in England & 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. Calls may be recorded.

Travel insurance with FlexAccount