Upgrade to Reward Platinum

You and your family are covered for 31 days per trip for UK and Worldwide travel (including winter sports). It includes emergency medical expenses, cancellations, baggage and more.

Family cover includes you, your partner and dependent children under 18 (or under 23 if in full time education) at the start of the journey. Children must be living at the home address (or with the other parent), and be neither married nor in a civil partnership.

Worldwide travel insurance is underwritten by AWP P&C SA and administered by AWP Assistance UK Ltd trading as Allianz.

If you or your joint account holder are aged 70 or over, you’ll need to get in touch with us each year to purchase an age extension upgrade. There will then be a £100 annual premium per person aged 70 or over.

Pre-existing medical conditions aren't automatically covered. You can check online if this travel insurance covers new or existing medical conditions. An extra fee may apply or some conditions might not be covered.

Find out more about Worldwide travel insurance

Cover is provided for the phones used by you, your partner and your children under 18 who live at home with you (or under 23 if they’re in full-time education and live at home with you outside term time). There is no cover for phones owned by your employer. 

Up to two approved claims can be made in any 12-month period. If this is a joint account, up to four approved claims can be made, subject to policy terms.

Claims are usually settled by repairing your phone where possible. If your phone can't be repaired, or it has been lost or stolen, a replacement phone may be provided.

Replacement phones are refurbished devices in 'as new' condition using genuine manufacturer parts.

There is a £50 excess for repair claims and a £100 excess for replacement claims.

Cover applies to phones with an original purchase price of £2,500 or less (including VAT).

Replacement phones include a 12-month warranty. Walk-in and mobile repairs include a 24-month warranty.

What you need to know about UK car breakdown cover:

• Roadside Assistance - anywhere in the UK.
• At Home - get help when your vehicle won't start at home.
• National Recovery - if the AA can't get your vehicle going, they'll take you and your vehicle to a destination of your choice.
• Onward Travel - if your vehicle can't be fixed at the roadside, the AA can help you complete your journey. This may be by arranging a replacement vehicle, booking you a night's accommodation or funding alternative transport costs (i.e. rail fares) where appropriate.
• Accident Assist - a 24/7 accident claims service. The AA will handle your insurance claim - at no additional cost - no matter which company insures you.
• All your vehicles are covered - your policy covers any privately registered vehicle you travel in, anywhere in the UK. It also covers your vehicle if it is being driven by someone else with your permission.

Things to remember:

• Doesn't cover any repair costs once the insured vehicle has been transported to a garage or repairer.
• Vehicles used for commerical purposes are excluded.
• Repeat call-outs for the same fault within 28 days won't be covered.

For more information on the cover including exclusions and limitations, please refer to our car breakdown cover page.

Roadside Assistance, At Home and National Recovery: Provided by Automobile Association Developments Limited (trading as AA Breakdown Services)
Onward Travel: Underwritten by AA Underwriting Insurance Company Limited
Accident Assist: Underwritten by AA Underwriting Insurance Company Limited

Access a range of health and wellbeing benefits for you and your family, including:

• 24/7 Virtual GP with unlimited access by phone or video (subject to fair use), including private prescriptions.
• Digital physiotherapy, with up to six remote physio appointments per person each year (18+ only).
• Mental health and wellbeing support, including a 24/7 helpline and up to six appointments per person each year (18+ only).
• Wellbeing content, including fitness, nutrition and wellbeing resources.

Covers you, your partner or spouse and any dependent children 18 and under (or under 23 if in full-time education), unless stated otherwise.

Terms, conditions, eligibility criteria, limits and exclusions apply. Prescription charges apply. Provided by Teladoc Health UK LTD (company number 05739281). 

You can redeem one 5GB eSIM each year to use mobile data abroad. Once your eSIM has been activated it will be valid for 30 days within the country or region selected. Compatible device required.

Discounted access to more than 1,100 airport lounges worldwide, subject to availability. Plus, discounts on airport dining, spa treatments, and health and wellness services. To avoid disappointment during busy periods, you can pre-book lounge access for £6 per person. You can also bring guests for £25 per person. Joint account holders will each receive their own DragonPass membership and must show their membership card to access lounges and enjoy available discounts. 

No foreign transaction fees on spending abroad. Not valid for ATM withdrawals. Local fees may apply.

• Choose 25% off your bill, 2 for 1 meals, or 50% off food at thousands of restaurants.
• Enjoy 25% off barista-made drinks at participating coffee shops across the UK.
• Get 50% off or 2 for 1 pizza on delivery and collection orders from participating brands.
• Save up to 25% on cinema tickets and snack combos at participating venues across the UK.

You'll receive details of how to register after opening your account. Individual discounts and offers are subject to participating venues and specific terms and conditions.