FlexPlus travel insurance
FlexPlus Worldwide Family Travel Insurance provides cover for you and your family. It includes business, wedding, golf and winter sports cover.
FlexPlus travel insurance has changed as a result of the coronavirus pandemic. If you’re thinking about opening a FlexPlus account, make sure you read the Summary of Changes document as this forms part of your policy.
You're no longer covered for cancelling your trip due to COVID-19 or a pandemic, before you travel, unless it is for medical reasons. This applies to all trips booked, or new accounts opened, on or after 1 January 2021.
If you bought a travel insurance upgrade and haven't been able to use it due to the coronavirus, you may be able to get a refund.
For more information about travel insurance during coronavirus, including information about refunds for upgrades, read our travel and coronavirus information page.
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.
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 caused by natural disasters and 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’s not possible to have a FlexPlus account without the insurances, and you can’t buy the insurances separately.
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.
Make sure you read and understand the policy documents:
When you make a claim, you can use the policy document to specify what help you need. This will help us to process your claim quickly and effectively.
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.
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.
If our insurers U K Insurance Limited (UKI) are unable to offer you an upgrade to extend 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.
UKI have been working with the Financial Conduct Authority and the Money and Pensions Service to create a directory of specialist providers that you can search when UKI are unable to help.
Visit the Travel Insurance Directory (opens in a new window) or call 0800 138 7777 (Monday to Friday, 8am to 6pm).
If you can't view the whole table, swipe or scroll to show more > > >
|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.
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.
If you, or anyone to be insured by the policy, has a medical condition and want to see if cover can be extended, please call the insurer U K Insurance Limited on 0800 051 01 54 (available Monday to Friday, 8am to 7pm, Saturday, 9am to 5pm). An additional premium may be payable or we may not be able to cover your condition.
You can also visit the U K Insurance travel insurance portal for an online quote. To register with and access the portal, you'll need your Nationwide current account details. For joint account holders, you'll need to register separately and use the primary address on your Nationwide current account and your personal data when registering.
|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.
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 documents 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|
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 01/11/2019 and are subject to change.
How to get an upgrade
To purchase any upgrade, please contact the insurer on 0800 051 01 54.
Lines are open:
- Monday to Friday, 8am to 7pm
- Saturday, 9am to 5pm
- Closed Sundays and bank holidays
Any upgrades purchased are only valid while you remain eligible for FlexPlus travel insurance. Upgrades are subject to all the same terms and conditions as the standard policy.
You can also manage your travel insurance online and get upgrades using the U K Insurance travel insurance portal.
How to register for the travel insurance portal
To register with and access the portal, you'll need your FlexPlus current account details. For joint account holders, you'll need to register separately and use the address and personal data on your FlexPlus current account when registering.
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 anyone who's insured turns 70, you’ll need to contact U K Insurance Limited to buy age extension cover. This costs £65 per year, including Insurance Premium Tax. Call 0800 051 01 54 (available Monday to Friday, 8am to 7pm, Saturday, 9am to 5pm).
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.
If you cancel 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.
How to cancel your insurances
The only way to cancel your insurance cover is to close your FlexPlus current account.
You can’t cancel individual insurance policies, they come as a package.
How to make a non-emergency claim
Find out how FlexPlus insurance cover is affected by coronavirus.
For claims, please first notify U K Insurance Limited of the claim by calling 0800 051 01 54 (available Monday to Friday, 8am to 6pm, and Saturday, 9am to 2pm). If you have 2 policies, let both insurers know at the same time of the claim.
You can also make and view existing non-emergency claims (logged from 22 March 2021) online using the U K Insurance travel insurance portal.
How to register for the travel insurance portal
To register with and access the portal, you'll need your FlexPlus current account details. For joint account holders, you'll need to register separately and use the primary address and personal data on your FlexPlus current account when registering.
Who provides the cover
FlexPlus Worldwide Family Travel Insurance policies are underwritten by U K Insurance Limited (opens in a new window).
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, registration No. 202810.