Premier Reward Black

The AA provide our UK & European breakdown cover which includes getting you to a destination of your choice if they can't get your vehicle going again.

What you need to know about UK & European car breakdown cover:

• Roadside Assistance - Anywhere in the UK and Europe;
• 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; and
• All your vehicles are covered - Your policy covers any privately registered vehicle you travel in, anywhere in the UK and Europe. 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.
• 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 and Europe: Underwritten by AA Underwriting Insurance Company Limited
Accident Assist: Underwritten by AA Underwriting Insurance Company Limited

Many of us run our lives on our mobiles. Our mobile phone policy covers loss, theft, accidental damage and breakdown (once your manufacturer’s warranty has expired). Underwritten by Aviva Insurance Limited.

What you need to know about our mobile phone insurance cover:

• Covers the phone used on a daily basis by you, your partner and/or your children under 18 years old who live at home with you (under 23 years old if they are still in full time education and living at home with you outside term time).
• There is no cover for phones owned by your employer.
• Four approved claims can be made on this policy in any 12-month period.
• Claims are settled by replacing or, in certain circumstances, repairing your phone. Our replacement phones are refurbished handsets in ‘as new’ condition using genuine manufacturer parts. Our repairs use genuine manufacturer or manufacturer quality parts.
• There is a £50 excess for each approved claim when you choose our convenient walk-in or mobile repair options.
• There is a £100 excess for each approved claim when your phone is replaced.
• Replacement phones include a 12-month warranty. Phones repaired by our mobile or walk-in repair agents include a 24-month warranty.
• Cover applies to phones with an original purchase price of £2,500 or less (including VAT). Next day replacements for lost or stolen phones when claims completed by 8pm.

DragonPass Premier+ gives you unlimited access to over 1,100 lounges worldwide, plus you can enjoy discounts at airport restaurants, cafés and spas. To pre-book visit the DragonPass app and follow the on-screen instructions. Not every lounge allows pre-booking and will be subject to availability. £6 pre-booking fee will apply.

What you need to know:

• We’ll send you a DragonPass Premier+ membership number once your Reward Black account is open. You will need your membership card to gain access to lounges and receive discounts. A digital version of your membership number is also available through the dedicated DragonPass Premier+ app which is free to download from the Apple App and Google Play Store. The app provides full details about your benefits including lounge locations and opening times, and the ability to purchase guest visits and pre-book selected lounges.
• If you have a joint account and are travelling with the other account holder, you will both need to show your membership numbers, either the plastic version or through the app, to access lounges and receive discounts.
• Airport lounges are owned and operated independently of DragonPass. Admission is granted subject to capacity and at the discretion of the lounges.

Worldwide travel insurance (underwritten by AWP P&C SA and administered by AWP Assistance UK Ltd trading as Allianz) covers you and your eligible family members for trips up to 90 days (including 31 days for winter sports). The policy also includes up to £10 million emergency medical expenses cover.

What you should know:

• Family cover includes you and your partner, plus any dependant children aged under 18 at the start of the journey (under 23 if they’re in full-time education). Children must be living at the home address (or with the other parent), and be neither married nor in a civil partnership.
• Your partner is the person, you the account holder, live with at the same home address in a relationship, whether married or cohabiting.
• You can check online if this travel insurance covers new or existing medical conditions here. An extra fee may apply, or some conditions might not be covered.
• You can also discuss this over the phone by calling 0345 601 7188 (Relay UK 18001 0345 601 7188).
• If anyone covered by this policy is aged 70 or over, you must call us each year in order to obtain cover. You will need to pay an annual premium of £100 per person insured aged 70 or over and be medically screened.
• If anyone covered by this policy has an existing medical condition, you must contact us each year to pay an additional premium or accept that your cover may exclude certain conditions.

If Allianz 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.

You may be able to obtain alternative travel insurance cover for pre-existing medical conditions by contacting one of the providers featured in the MoneyHelper Directory of specialist travel insurance providers for people with serious medical conditions. Do take time to study and compare the terms and conditions to ensure you have the cover you need.

Telephone: 0800 138 7777 | Relay UK: 18001 0800 138 7777

Monday to Friday, 8am to 6pm | Saturday, Sunday and Bank Holidays, closed.

• Use your Reward Black debit card for purchases anywhere in the world, without the worry of incurring extra charges or carrying around lots of cash.
• No foreign transaction fee when you make a payment outside the UK or payment in a foreign currency.
• Not valid for ATM withdrawals. Other local fees may apply.

You can redeem one 5GB eSIM each month 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. Provided by Assurant (a trading name of Lifestyle Services Group Limited) and DragonPass International Limited. 

Health and wellbeing support that fits you and your family's needs.

• 24/7 virtual GP: unlimited access by video or phone (subject to fair use) including private prescriptions for you and your family. 
• Mental Health and Wellbeing support: up to six appointments yearly per person. Plus, on demand nutrition, fitness and wellbeing content. 18+ only. 
• Digital physiotherapy: up to six remote physio appointments per person per year. 18+ only.
• Health check: an annual review for you and your partner along with follow-ups to discuss the results. 18+ only. (Customers with certain pre-existing medical conditions may not be eligible for the Health Check. Eligibility is assessed through a questionnaire when you request a Health Check Terms, conditions and exclusions apply)
• Expert medical opinion: get another medical opinion or discuss your results if you or your family have a complex diagnosis or treatment plan. One per person per year.

Health benefits covers you, your partner, and any dependent children aged 18 years and under (or 23 if studying in full-time education), unless stated otherwise. Terms, conditions and exclusions apply. Prescriptions charges apply. Provided by Teladoc Health UK LTD, a limited company registered in England and Wales (company number 05739281).

With 22 offices and over 1,000 lifestyle managers worldwide, our travel and lifestyle concierge service is at your disposal 24/7, 365 days a year at no extra charge.

• Key benefits include tailor-made holidays with complimentary upgrades, and access to perks and preferential rates at more than 650,000 hotels around the world.
• There’s also priority booking for selected restaurants, hotels, shows and events worldwide with access to the virtual Book Club series. And special offers, exclusive discounts, and early access to seasonal promotions from your chosen brands.

You could earn £9 in rewards for 2 or more Direct Debits of at least £4.50. See the monthly break down below.

As well as earning Rewards for having 2 Direct Debits at least £4.50 each (like your phone bill), you can earn even more Rewards at our partner retailers, like Caffe Nero, Morrisons or Sky. You can earn between 1-15% back on your purchases. 

Your Rewards balance can grow quickly, they're easy to earn and easy to exchange. Once you reach £5 in Rewards, you can redeem it as cash back into your bank account, donate it or trade it up.

Normally 1.00 in Rewards = £1, but trade up with partner retailers like Cineworld, Argos, or even Avios to get even more for your Rewards. You can also donate them to our selected charities.

There are two different types of overdraft:

• An arranged overdraft, which allows you to go overdrawn up to an agreed limit.
• An unarranged overdraft. This is when you spend more money than you have in your current account without already having an arranged overdraft, or when you exceed your current arranged overdraft limit

We charge interest on both types of overdraft. Going in to an unarranged overdraft limit can lead to payments being rejected. 

To apply for or amend an overdraft on your account visit our Overdraft pages.