About FlexAccount travel insurance
If you opened a FlexAccount before 15 December 2016, you may have European travel insurance. If you had this cover and took out an upgrade in 2021, you may still be covered. But you'll know from our letter or email last year that we're removing this. And you won’t get travel insurance if you apply for a FlexAccount now.
We began removing FlexAccount travel insurance at the end of 2021
If you have European travel insurance with your FlexAccount, you’ll have received a letter or email from us letting you know that we’ll be removing this from 31 December 2021. There are lots of options available, so we’ll run through these here.
This change only affects FlexAccount travel insurance. You can still enjoy travel insurance with our FlexPlus.
How this affects your cover
If you’ve already booked a trip and it's cancelled before your cover ends, your trip will be covered as normal.
You may also still have European travel insurance. This depends on if you took out an upgrade for your travel insurance last year. Your full travel insurance and upgrade will only end when the upgrade runs out.
Some sections of our European travel insurance have additional limits. So, we recommend reading through your policy document, Summary of Changes and Insurance Product Information Document carefully before you travel. These are the full terms and conditions of your cover.
The global pandemic is changing all the time. So, please also read our guide to how your cover is affected by the coronavirus before you travel.
Helpline for removing FlexAccount travel insurance
If you have any questions or queries about how this will affect your cover, we’ll be happy to help.
Choose option 1.
Monday to Saturday, 8am to 6pm.
Closed Sundays and bank holidays.
What are my options?
You may still need travel insurance to cover any trips you’re planning to take once your cover has ended. It’s important you take the time to think about what cover best meets your needs. There are several options available.
Main travel insurance cover limits and upgrades
|Features and benefits||Level of cover|
|Worldwide / European cover||European|
|Who is insured||The account holder(s)|
|Cancelling or cutting short your trip||£5,000 per insured person|
|Emergency medical and travel costs||£10 million per insured person|
|Hospital benefit||£25 per day, max. £1,000 per insured person|
|Personal accident||£25,000 (£2,000 for death of under 18s) per insured person|
|Baggage / personal belongings||£1,500. £300 for any single item, £500 for all valuables combined and £100 for consumable items|
|Delayed baggage / personal belongings||£250 after 12 hours per insured person|
|Personal money||Overall personal money limit £500 per insured person. Cash limit £300 (16 and under £100) per insured person.|
|Passport and driving licence||£750 per insured person|
|Personal liability||£2 million|
|Delayed benefit||£10 per insured person after 2 hours delay and an additional £10 per insured person for every following 4 hours delay to a maximum of £250|
|Missed departure or connection||£1000 (£500 inside home area)|
|Number of days per trip||31 days|
|Excess||£50 per insured person|
|Winter sports||Not included in standard cover|
|Hazardous activities||Not included in standard cover|
|Business cover||Not included in standard cover|
|Golf cover||Not included in standard cover|
|Wedding cover||Not included in standard cover|
|Cruise cover||Not included in standard cover|
|Guest cover||Not included in standard cover|
How to get confirmation of your cover
You can get a confirmation of cover letter on the U K Insurance Limited travel insurance portal (opens in a new window).
Your FlexAccount travel insurance policy number is NBSTR112. This is a generic policy number used by our travel insurance partner, U K Insurance Limited.
How to make a claim
You can only make a claim on any trips taken or booked up to when your European travel insurance ends.
Who provides this cover
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.