FlexPlus and COVID-19

Life is certainly different at the moment. It’s a time none us would have imagined when you opened your FlexPlus account.

That’s why we’d like to remind you about your FlexPlus insurance cover, as well as some other things that will help you get the most out of your account benefits.

This information should help with any concerns you may have. But if you’d still like to talk to us, please get in touch.

Your FlexPlus cover and COVID-19

Worldwide Family Travel Insurance UK & European Breakdown Assistance Worldwide Family Mobile Phone Insurance

COVID 19 cover is available as long as your trip was booked when there was no government advice in place against travel to your destination.

No changes to non COVID 19 cover (subject to terms and conditions)

No change to cover No change to cover

Worldwide Family Travel Insurance

Your travel insurance will cover you for events relating to COVID-19. For example, emergency medical expenses abroad, cancelling or cutting short a trip.

That’s as long as:


  • you were not travelling against doctor’s advice
  • the FCO were not advising against travel when you booked or departed for your trip

Travel insurance will only cover you for circumstances that you were not aware of when you booked the trip or were due to travel.

We recommend you read your policy terms and conditions for full details on what is and isn’t covered.

Making a COVID-19 related claim

Before you contact UKI about your COVID-19 Claim, make sure you check our guide to claiming.

Remember, you should only look to make a claim if you:

  • are currently abroad, due to travel in the next 28 days, or your travel date has already passed
  • booked your travel when there was no government advice against travel to your destination
  • have already spoken to your travel provider

If you have completed these steps, the easiest way to make a COVID-19 related claim is by letting us know online. This will avoid long call wait times.

If you haven’t been able to use a policy upgrade due to COVID-19

We may be able to offer you a partial refund of your travel upgrade premium if you:

  • purchased the upgrade in the 12 months before 18th March 2020
  • haven’t made a claim
  • do not have any upcoming trips for which you are relying on the cover provided by your upgrade

We’ll work out your refund based on the number of days left of your upgrade after 18 March 2020.

If you choose a refund, your upgrade will stop from 18 March 2020. If you want to start your cover again, you will need to buy a new upgrade. Any new upgrade purchased on or after 18th March will not cover any COVID-19 related claims. Remember that if you are over the age of 70 you require an age upgrade for your travel insurance to be valid.

Keep in mind, we’re not able to pause or defer upgrades which are open at the moment.

If you have made a claim within your upgrade period and you think you should still be considered for a refund (because for example you made a claim for cancellation or cutting short your trip and subsequently received a refund from your trip provider), then please do not use the link above to register your refund request. Instead give UKI a call on 0800 051 0257 as we will need to validate that your claim has been completely closed and you haven’t received any settlement from us for the claim.

*Please bear in mind the conditions and restrictions outlined above will still apply.

UK and European Breakdown Assistance

There are no changes to your UK and European Breakdown cover.

We know that you may not be using your car as often now. But don’t forget, your breakdown assistance comes with Home Assist. That means your car will be covered if it breaks down at home.

Tips for keeping your car healthy at home.

Charge your car battery

If your battery keeps going flat, it’s probably best to get it checked or replace it – especially if you’re using your car for essential work at the moment.

Turn your engine on regularly

Even if you don’t drive far, any trip will help keep your engine healthy. You can even do this while parked. Just keep your engine going until your car reaches the right temperature. If your engine warning light comes on whilst you do this, some garages are still open to carry out essential work.

Regularly check your car

It’s important that your car is ready to go when you are. Make sure your lights, reflectors and indicators are clean and working. Check no lenses are cracked and your tyres are within the legal tread limits.

Worldwide Mobile Phone Insurance

There are no changes to your Worldwide Mobile Phone cover. But keep in mind, it may take longer than usual to resolve your claim.

If you’re not happy with your FlexPlus cover

Even during these hard times we believe FlexPlus continues to provide a comprehensive insurance package.

However, if you feel that FlexPlus is not meeting your needs, we have other Current Accounts that might be better for you.

To switch your account or speak to us, just give us a call.