If you opened a Nationwide FlexAccount before 15 December 2016, you may have European travel insurance. It’s not available to new FlexAccount customers.

If you have this cover, we’ll have sent you a Confirmation of Cover letter for this year.

Removal of FlexAccount travel insurance

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 benefit from 31 December 2021.

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You can find more information on how the removal of travel insurance will affect your cover and the options available to you here.

How this will affect your cover

We want you to be able to travel with peace of mind. So if you take a trip any time this year, your cover will not be affected. You’ll still benefit from your full European travel insurance. We’ve also removed our eligibility criteria for keeping your insurance cover. This means if you have European travel insurance with your FlexAccount, it’s now guaranteed until we remove this benefit.

If a trip you’ve booked is cancelled before your cover ends on 31 December 2021, the trip will still be covered. This is the case even if the trip is due to take place after the cover ends. And if you take a trip over the new year, leaving in 2021 and not coming back until 2022, you’ll be covered the whole time you’re away subject to terms and conditions.

Please make sure you read the policy document, Summary of Changes and Insurance Product Information Document (IPID) carefully. These form the full terms and conditions of your cover.

Read the policy documents

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.

How this will affect travel insurance upgrades

There are lots of optional upgrades available to you if you have European travel insurance with your FlexAccount.

If you’ve already bought an upgrade, your full FlexAccount travel insurance cover and upgrade will end when the upgrade ends. If you have an upgrade that’s due to expire before 31 December 2021, you’ll be asked if you want to renew it before the upgrade expires.

You can also get a quote for renewing or buying an upgrade up to 1 December 2021 if you need them when booking your trip. Quotes are valid for 30 days.

View the optional upgrades

If you have an existing upgrade and need to make changes to this, you have until the upgrade expiry date to do this. For example, if you’re turning 70 and need an age extension, you can change your cover. The insurer will make these changes for you, just like they do now.

Upgrade your travel insurance

To check you’re eligible, and the cost of upgrading, call U K Insurance Limited.

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

Your 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.

Do you still need travel insurance cover?

What your FlexAccount travel insurance covers you for

Some sections of cover have additional limits, so you should read the relevant sections of your policy document, Summary of Changes and Insurance Product Information Document (IPID) carefully. These have the full details of your travel insurance cover and the relevant excesses and exclusions.

Read the policy documents


Your travel insurance only covers trips that start and end in the UK.

Summary of the main travel insurance cover limits

Features and benefits and cover limits for various FlexAccount insurance upgrades that are available, as long as you’re eligible.
Features & benefits  Level of cover  Optional upgrade (Charges apply) 
Worldwide / European cover European Yes
Who is insured The account holder(s) Yes
Cancelling or cutting short your trip £5,000 per insured person Yes
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  Yes
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)  
Legal costs £50,000  
Number of days per trip 31 days Yes
Excess £50 per insured person
Winter sports Not included in standard cover Yes
Hazardous activities Not included in standard cover Yes
Business cover Not included in standard cover Yes
Golf cover Not included in standard cover Yes
Wedding cover Not included in standard cover Yes
Cruise cover Not included in standard cover Yes
Guest cover Not included in standard cover Yes

Policy documents

Travel insurance certificates

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 31 December 2021 or when your optional upgrades expire.

Find out how to make a FlexAccount travel insurance claim.

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.