What's included, for each insured person

  • Worldwide cover
    You're covered no matter where you travel, as long as it isn’t against Foreign, Commonwealth and Development Office advice.

  • An online portal, so you can manage your insurance on the go
    You can buy upgrades, make and monitor claims, and download confirmation of your cover through an online portal (opens in a new window).

  • Cover for winter sports and golf
    Many popular holiday sports are covered as standard, but exclusions and limitations apply.

  • Cancellation cover up to £5,000
    The reason you cancel will determine if you’re covered. Please read the policy document for details.

  • Cover for travel disruption
    Whether caused by natural disasters, or airline or travel end supplier failure.

  • Cover if you’ve checked-in and transport is delayed by more than 2 hours

  • Medical expenses cover up to £10 million

  • Cover for personal belongings and cash that’s lost or stolen 
    Limits apply, see the policy document for details.

  • Costs associated with getting key travel documents when you’re on your journey
    For example, a temporary passport to get you home.

  • Business cover 
    Including cover for your baggage, accommodation and travel expenses as well as the cost of emergency replacement items.

  • Wedding cover 
    Including cover for your wedding clothes, rings and photographs if lost, stolen or damaged while you're away.

To get FlexPlus travel insurance

You need to:

  • have a FlexPlus current account
  • be a UK resident
  • live in the UK for at least 6 months of any 12-month period.


It is not possible to have a FlexPlus account without the insurances or the insurances without a FlexPlus account.

Exclusions and limitations

Exclusions and limitations apply to some types of cover. Always check the policy documents first. Some of the key exclusions are:

  • Medical condition(s).
    This policy doesn't cover medical conditions unless they have been declared to us and accepted by us. In some instances, you can pay for a medical upgrade to your insurance policy.
  • Anyone aged 70 or over.
    If any person to be insured is aged 70 or over, you must buy an age upgrade to cover them. This costs £65 per year including Insurance Premium Tax (IPT). You’ll need to purchase it every year. You only need one extension per account.
  • Trips for longer than 31 days.
    You'll need to buy a trip extension upgrade.
  • The policy is only for 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 have limitations.
    Trips in the UK must be for 2 or more consecutive nights in pre-booked commercially operated accommodation.

For a full list of exclusions and limitations, please see the policy documents.


Excesses can apply when you claim. Please read the policy documents for details.

Policy documents

Your policy is made up of your policy document, Summary of Changes document and Insurance Product Information Document (IPID) for your account.

Who is covered

The insurance covers all Nationwide FlexPlus current account holders, their partners and dependent children. Any of these insured people can travel independently of each other throughout the year.

Dependent children

A dependent child is any child, including a legally adopted, fostered or stepchild, of the account holder. They have to be all of the following to be covered:

  • under 18, or under 24 if in full-time education, on the start date of the trip
  • living with the account holder or their other parent
  • not married or in a civil partnership.


This is the person the account holder lives with at their home address. They should be in a relationship, whether married or cohabiting, regardless of gender.

When your cover starts

As soon as your FlexPlus account is open, you'll start to benefit from the insurances.

Sometimes, we might not be able to open your account straight away. For example, if you're opening a joint account and we need additional signatures. In these cases, your cover begins as soon as you get your confirmation letter to tell you the account is opened.

If you already have travel insurance

Before you apply, consider if you already have travel insurance. You could end up paying twice for the same cover, so consider which policy provides the best cover for you.

The cost of any claims, if you are covered by more than one policy, may be shared between the insurance companies.


The insurer, U K Insurance Limited, made some changes to FlexPlus travel insurance on 5 October 2021. These affect your cover for the coronavirus.

Find out how your coronavirus cover has changed


There are many upgrades available for FlexPlus travel insurance.

Any upgrades purchased are only valid while you qualify for FlexPlus travel insurance. And they’re subject to all the same terms and conditions as the standard policy.

If you can't view the whole table, swipe or scroll to show more > > >

Table showing some of the most common optional upgrades to your FlexPlus Travel Insurance, and how much they cost.
Type of upgrade Cost (including Insurance Premium Tax)

Cover for anyone aged 70 or over

If anyone to be insured is aged 70 or over, you must buy an age extension. You'll need to renew this annually in order for the insurer to cover you. Only one age extension is needed per account. When you call, you'll be asked some questions about the health of everyone who's insured. If anyone who's insured turns 70, you'll need to buy age extension cover. You can find the details for doing this online or over the phone after this table.


Medical condition(s)

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.

Variable depending on the medical condition(s)

Trip extension, for trips longer than 31 days

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

Hazardous activities cover

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 check your policy document.


Cruise cover

This upgrade includes extra benefits specifically for a cruise trip that is not covered as standard. For instance, missing a port departure and compensation if you're confined to your cabin or if a port stop on your schedule is cancelled.

Check the policy document for details.


Extended personal belongings

You can buy an extended personal belongings upgrade to increase the limits under the Personal Belongings section.


Extension of cancelling your trip cover

Increase the cover you'd get for cancelling your trip if your holiday costs more than £5,000 per person.

Check the Cancellation section of the policy document to see what you're covered for.

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 of 01/07/2021 and are subject to change.

How to purchase and get a quote for upgrades


Do you already have a FlexPlus? To register on the portal, you'll need your current account details. For joint account holders, you'll need to register separately and use the address and personal data on your current account.

Visit the portal for FlexPlus members (opens in a new window)

Do you not yet have a FlexPlus? You can get a quote for any upgrade to help you decide if this is the right account for you.

Visit the portal for new customers (opens in a new window)

Over the phone

Monday to Friday, 8am to 7pm.
Saturday, 9am to 5pm.
Closed Sundays and bank holidays.

0800 051 01 54


If the insurer, U K Insurance Limited, is unable to offer you an upgrade to offer 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.

U K Insurance Limited have worked with the Financial Conduct Authority and MoneyHelper to create a directory of specialist providers that you can search when they're unable to help.

Visit the Travel Insurance Directory (opens in a new window) or call MoneyHelper on 0800 169 0297 (Monday to Friday, 9am to 5pm) to find an alternative insurance provider.

If your circumstances change

If a family member stops living at your address, they won't be covered anymore. If they are only away temporarily, for example at university, they are still covered.

If you move out of the UK, you'll still have to pay the £13 fee each month for maintaining the account. However, you won't be eligible for any of the insurances that come with the account.

Find out more about moving your current account abroad

How to cancel your insurances

The only way to cancel your insurance cover is to close your FlexPlus current account. If you close your FlexPlus current account, your cover and any upgrades will come to an end. You will not be able to get a refund for any upgrades you’ve bought outside of the 14 day cooling-off period. And you cannot cancel individual insurance policies, they come as a package.

How to close your current account

How to make a claim

Please visit our dedicated claims page.

Make a FlexPlus insurance claim

Who provides the cover

FlexPlus Worldwide Travel Insurance is provided 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.