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Travel Insurance for Over 70s

Age co is there to help the over 70s enjoy their next holiday.

• No upper age limit
• 5 Star Defaqto rated product options
• 99% of pre-existing medical conditions covered

You’re on the right track. We’re just taking you to the AllClear website for a quote

Age Co Travel Insurance is provided by our trusted partner, AllClear. You’ll be able to get a quote easily through their site. Please note: terms & conditions, privacy notice and cookie policy will differ from Age Co’s. If you’re happy to leave the Age Co website, simply click ‘continue’ and you’ll be taken to the relevant AllClear page.

Age Co is 100% owned by Age UK and gives its profits to the charity. In the last 5 years Age Co has donated more than £12m to Age UK

What is travel insurance for over 70s?

Put simply: it’s insurance that’s inclusive to those aged 70 or over. While some providers have age limits in place, Age Co Travel Insurance has no upper age limit. We also have a range of features that travellers aged 70 or over may find particularly useful. From specialist medical coverage to enhanced Covid protection, our travel insurance is there to help more people travel with confidence.

What does over 70s travel insurance cover?

Age Co Travel Insurance can provide a wide range of benefits suitable for travellers over 70, including:

• 24/7 medical assistance, included as standard
• Cover for over 1,300 medical conditions
• Cruise cover included with Platinum and available with Gold Plus
• Up to unlimited emergency medical and repatriation cover
• Protection for personal items and medical equipment
• UK, Europe and Worldwide destinations
• Compensation for Covid related incidents

Travelling with pre-existing medical conditions

Many people worry that pre-existing medical conditions will stop them from finding the right travel insurance. And while standard policies might not be suitable, specialist medical providers are on hand to offer protection. At Age Co, we work in partnership with AllClear - a UK medical specialist. They’re able to approve 99% of pre-existing conditions, including:

• Heart conditions
• Hypertension
• Mobility issues

How much does travel insurance for over 70s cost?

The only way to get an accurate price for travel insurance is to get a quote from a provider. All policies are priced according to the individual and their trip details. While age and medical history can affect pricing, so too can your chosen destination. For example, insurance covering the USA tends to be more expensive due to the cost of healthcare.

Other factors that can impact the price of your policy include:

• Length of stay : shorter holidays tend to cost less than longer trips away.
• Activities : skiing and water sports are viewed as high-risk activities, so tend to require either additional protection or high costs
• Cruises : these types of holidays have their own unique risks, such as port delays, so you might need to purchase additional cover
• Level of protection : some traveller choose to pay more to have extra benefits or lower excess costs

Get in touch

Join us online

Call for free

Choose from three levels of cover

Optional extras.

Available for all three levels of cover, you can choose to customise your policy with any of these optional extras.  Golf cover: keen golfers can get peace of mind for their next big trip with cover that includes protection for both equipment and green fees.

Natural disaster cover: if your trip is disrupted by unforeseen circumstances, such as wildfires or a typhoon, you’ll be compensated for flight and accommodation costs.

Waiting list cover: protects you in the event of any pending medical treatment getting in the way of your holiday. For example, if a scheduled operation is brought forward and your trip needs to be cut short.

Travelling companion cover: if you’re travelling with a friend or family member who is insured by another provider, this will cover the cost of their cancellation or curtailment, should you become unwell and aren’t able to travel.

Gadget cover: we offer extra protection for items such as cameras, mobile phones, tablets, and laptops. Should they be lost, stolen or suffer from accidental damage, you’ll be covered for up to £2,500.

Your policy documents contain information about the features, exclusions and limitations of Age Co Travel Insurance, provided by AllClear. If you’re an existing customer, you can find further information related to your insurance via our dedicated section .

Policy Document

Gold Product Information Document IPID

Gold Increased Excess Product Information Document IPID

Gold Excluding Cancellation Product Information Document IPID

Gold Plus Product Information Document IPID

Gold Plus excluding cancellation Product Information Document IPID

Platinum Product Information Document IPID

Frequently asked questions

While travel insurance can provide a wide range of protection for anyone over 70 travelling, you must do your best to stay safe while on holiday. If your provider finds out you’ve put yourself at risk or failed to disclose key information, you may struggle to make a claim. The following are common scenarios that will risk invalidating your insurance:

• Failing to disclose any medical conditions while getting a quote or after taking out a policy
• Travelling against the advice of your doctor
• Engaging with high-risk activities that aren’t covered by your policy

Age Co Travel Insurance is able to offer worldwide protection. However, to get the right price, it’s important you disclose your specific destination while getting a quote. Limiting your coverage to the UK or Europe tends to be more cost-effective than general worldwide protection. If you are travelling further afield, you can customise your policy to exclude the USA, Canada, and the Caribbean - destinations that incur higher costs.

The cost of travel insurance tends to increase as we get older. This is tied to the higher chance of medical incidents taking place. To offset these costs, it’s recommended you consider providers carefully to ensure you find the right protection at a fair price.

Yes. With Age Co Travel Insurance, no matter what level you select, all policies can include gadget cover as an optional extra. This helps protect key items, such as laptops, tablets and mobile phones from damage, loss, and theft for up to £2,500. When getting a quote online, you’ll find all our optional extras once you’ve selected from our Gold, Gold Plus, and Platinum quotes.

Age Co Travel Insurance is provided by IES Limited, trading as AllClear, which is registered in Gibraltar company number 117274. Registered Office: 1st Floor, Portland House, Glacis Road, Gibraltar, GX11 1AA. IES Limited is licensed and regulated by the Gibraltar Financial Services Commission number FSC25393 and trades into the UK on a freedom of services basis, FCA FRN 824283. IES Limited will contribute to Age Co a percentage of the premium (excluding IPT) from every Age Co Travel Insurance policy sold. Age Co is 100% owned by Age UK and gives its profits to the charity. Age Co Travel Insurance is administered by AllClear Insurance Services Limited, registered in England No. 04255112. Registered Office: AllClear House, 1 Redwing Court, Ashton Road, Romford, RM3 8QQ. Authorised and Regulated by the Financial Conduct Authority firm reference number 311244. AllClear is a registered trademark.

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Banking and Borrowing

The current accounts that include travel insurance

We round up the free and fee-charging current accounts that offer account holders some form of travel insurance.

John Fitzsimons Updated on 12 November 2019

Finding the right travel insurance can be time-consuming so it’s understandable why some people may be tempted by current accounts that offer free travel insurance.

We reveal what your options are and what they include.

Nationwide FlexPlus

Nationwide’s FlexPlus  account offers worldwide family travel insurance, but the account comes with a monthly fee of £13.

Travel insurance is available for those under 69 years of age, but you can pay £65 extra a year to ensure cover after this age.

Worldwide family mobile phone insurance and UK and European breakdown cover and recovery assistance is also included.

The building society recently announced it was tweaking its travel insurance policy, so we got in touch to find out what was changing with the FlexPlus policy.

Here are the key changes, according to a spokesperson:

• Increased the funeral or cremation limit;
• Increased emergency cash limit to £300;
• Introduced new upgrades for cruise cover and personal belongings;
• Reduced the missed delay or abandoned departure cover;
• Added an additional cancellation reason – vehicle accident or breakdown in the seven days before departure for self-drive holidays.

How to get travel insurance if you have a pre-existing condition

Club Lloyds Platinum

Club Lloyds Platinum includes many of the benefits of its Silver account, which is  no longer available  to new customers.

For £19 a month (plus £3 if you fail to pay in at least £1,500 a month), worldwide travel insurance is available to account holders up to the age of 80.

The insurance covers you and your family for up to 45 consecutive days per trip.

Winter sports is covered for a maximum of 31 days in any calendar year.

Other extras with this account include AA breakdown cover, mobile phone insurance, a £300 fee-free overdraft and up to 2% in-credit interest.

Travel insurance for the over 50s

Barclays allows you to personalise your current account by adding ‘packs’ which will cost you a monthly fee.

For £12.50 a month, you can add the  Travel Pack . This offers worldwide, multi-trip travel insurance, which covers you, your domestic partner, children and joint account holders, up to the age of 80.

All trips must start and end in the UK and last no longer than 31 days and includes RAC breakdown cover in the UK and Europe.

There’s also the  Travel Plus Pack , which costs £18 a month and includes worldwide, multi-trip travel insurance for you, your domestic partner, children and joint account holders up to the age of 80.

You get six free airport lounge visits every year, which can be used by you or your family – or you can opt for a free spa treatment at an airport instead.

RAC breakdown cover in the UK and Europe is included, as well as discounts on airport parking and hotel packages.

Compare current accounts with loveMONEY

NatWest Premier

With NatWest’s Premier Reward Black Account, you can get worldwide travel insurance for you and your family for trips of up to 90 days, including 31 days for winter sports.

For those over the age of 70, you need to contact NatWest every year for cover, be medically screened and pay an annual premium of £75 per person.

Mobile phone insurance, UK and European breakdown cover, home emergency service and discounts on theatre and cinema tickets are also included.

You can also get unlimited access to over 1,000 lounges worldwide and discounts at restaurants, cafes and spas in airports among other benefits – all for £31 a month.

On top of these features, you can also receive £150 for switching to NatWest by 6 December, which also applies to the Select Premier account.

The Reward Platinum account costs £20 a month and includes worldwide multi-trip travel insurance, UK breakdown cover, mobile phone insurance, Tastecard membership and discounted cinema tickets.

Again, there's a £75 annual premium on the travel insurance for those over 70.

Royal Bank of Scotland (RBS) offers Select Silver and Select Platinum accounts, and the £150 switching offer from RBS is only valid until 29 November. 

All these accounts by RBS and NatWest also allow you to earn 2% in cashback on seven types of household bills paid by Direct Debit although from February 2020, you'll no longer receive 2% cashback. 

Instead, you'll get a set amount, which depends on having at least two Direct Debits set up and you logging into the account every month.

You can find out more about how the Rewards scheme will work here .

The best UK packaged bank accounts

Halifax Ultimate Reward

The Ultimate Reward Account from Halifax costs £17 a month (or £15 if you pay in £750 a month and set up two Direct Debits from the account) and includes worldwide multi-trip family travel insurance.

Other benefits include AA breakdown cover, mobile phone insurance, home emergency cover and the chance to earn cashback with certain retailers when you pay with your debit card.

Do your sums

Before you sign up for a premium current account, it's worth working out the value of the benefits the account offers versus how much they would cost if you bought them separately.

And if you don't use one or more of the benefits, then it's not likely to be worth the monthly fee.

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Everything you need to know about travel insurance for over 70s

Our consumer rights expert has advice on getting the right policy and the cover you need, plus six of the best providers.

Challenge yourself with today’s puzzles.

O ver 70 and looking for travel insurance? You face a double whammy: not only is it more expensive because of the increased likelihood that you have a medical condition, but also it’s harder to find because, according to the insurance industry, you’re a greater risk. Here are ten things to consider when buying a policy.

Buy insurance as soon as you book your holiday

This rule applies whatever your age, but it’s more pressing as you get older because most holiday deposits are non-refundable, and many travel operators will be hard-hearted, even in the face of evidence of serious or terminal illness and cancellations long before your scheduled trip date. Take out a single-trip policy and cancellation cover kicks in from the policy-purchase date. If you’re buying an annual policy and you have any travel booked, you should start the policy straight away.

Think about adding any travelling companions to the policy

If you are treating your family to a stay in an expensive villa, for example, and you then have to cancel, insurers will often try to pay out only for your share of the trip. Also, if you’ve declared medical conditions and have to cancel because of ill health, it doesn’t necessarily follow that a separate policy bought by a family member would cover their cancellation costs. And if you fall ill while abroad new flights may be needed for the whole party to return home early, or new accommodation required so that everyone can stay longer at the destination while you recover.

Buying the cheapest policy is likely to be a false economy

Because of increased numbers of cancellation claims, levels of currency fluctuations and medical inflation you won’t find any bargains, but good insurance has to be factored into your holiday budget. It’s essential to shop around to find a provider that can customise a policy to ensure your conditions are covered — and the older you get the more likely it is you’ll have to turn to a specialist provider to find this at a reasonable price.

Annual or single-trip cover?

It can often be more cost-effective to have an annual policy, but not always. Think about how many overseas journeys you are likely to make in the year following your policy purchase, then compare the total cost of buying a single policy per trip with the cost of an annual one. You will probably find that if you are planning to take three or four trips an annual policy will work out to be more cost-effective. If you buy a policy covering only European destinations and your plans change during the year to include places further afield, the insurer will probably allow you to upgrade to a worldwide policy. Also some insurers may offer only single-trip insurance, so be sure to check both options.

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Cruise cover doesn’t come as standard.

Not all policies cover cruises, so if necessary pay an additional premium for inclusions such as cabin confinement, emergency airlifts to hospital, missed port departures, itinerary changes and unused excursions. Cruise cover can cost extra because of the potential high cost of onboard treatment and any transfer to an offshore medical centre.

Check cancellation cover

If you’re booking an expensive cruise or special long-haul holiday it’s vital that the combined cancellation cover for each person meets the total cost, and this is another area in which standard policies often fall short. If you already have a policy, perhaps through a bank, top-ups are sometimes available or can be bought separately; you can buy up to £50,000 per person extra cancellation cover through Top Up My Cover Cancellation, for example (topupmycancellationcover.com).

● Will travel insurance cover flight cancellation? Everything you need to know ● Long-stay travel insurance: providers that cover for over 90 days

Obtain full cover for medical conditions

It’s vital to be completely honest when declaring any medical conditions you may have when taking out a policy and to answer fully all questions asked in any online screening or when buying insurance from a call centre. Insurers are looking for information on any chronic conditions or risk of instability, so you will need to declare all longstanding illnesses or recent changes to medications. There will also be different requirements relating to cancer, breathing difficulties and heart conditions. Failure to make a full declaration could result in any claim being declined.

Get the GHIC card

If you’re planning to visit an EU country, a UK Global Health Insurance Card or valid European Health Insurance Card will allow you to access state-provided medical healthcare on the same basis as citizens of your destination. You will still need to have travel insurance because these cards may not cover all health costs, and certainly not emergency repatriation to the UK.

Consider Covid cover

Coronavirus is still a potential threat, so it’s essential to check any exclusions in your insurance and what support you can expect if you contract it while you’re away. Many insurers will not pay out unless a medically approved test has been used to confirm a diagnosis — so a PCR, not a lateral-flow home test. Moreover, if you test positive not all travel companies will transport you home — one coach company, for example, stipulates that any passenger who contracts Covid while on one of its tours won’t be allowed to travel back on the coach because of its generally vulnerable customer demographic.

Find insurers for complex medical conditions

If you have a serious medical condition, completing an online screening form won’t result in you getting the best cover. Instead, consult the government’s MoneyHelper website, which has a directory of insurance companies who should be able to provide quotes by telephone (moneyhelper.org.uk). The British Insurance Brokers’ Association also has a directory of approved specialist providers (biba.org.uk).

Six policies to look into

1. Free Spirit Specialist insurance for those with medical conditions and disabilities — there’s no upper age limit, travellers with terminal illnesses are considered and companions are covered, along with medical aids, medications and more than 100 activities (freespirittravelinsurance.com).

2. Saga Buy a holiday from this over-fifties specialist and travel insurance is included, with cover for more than 400 medical conditions. Its single-trip and annual policies have no upper age limit, there is cancellation cover up to £10,000 and you can call the Saga GP helpline for advice any time while you’re on holiday (saga.co.uk).

3. It’s So Easy Travel Insurance This company provides a variety of specialist policies, whether you have existing medical conditions, including HIV, or have left the UK without travel insurance (itssoeasytravelinsurance.com).

4. AllClear This one has no upper age limit and covers more than 1,300 medical conditions. Its Covid cover includes up to £2,000 for a friend or relative to travel from your home area to stay with you if you fall ill (allcleartravel.co.uk).

5. Staysure There are no upper age limits on Staysure’s single-trip or annual policies and most existing conditions can be covered. Its Comprehensive level of cover includes supplier failure, so you won’t lose out if your travel operator or airline ceases trading (staysure.co.uk).

6. LV Premier LV considers all existing medical conditions for cover, while its Premier policy offers up to £10,000 in cancellation cover; cruise cover is standard on annual policies (available up to age 80). LV will pay out up to £1,000 if arrival at your destination is delayed or you miss a leg of your journey as a result of any delays (lv.com).

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HelloSafe » Travel Insurance » Reviews by Travel Insurance Companies » Natwest Travel Insurance

Natwest Travel Insurance Review and Quotes

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Table of Contents

It might be the least exciting thing about your journey. But travel insurance is a must-have when it comes to getting assistance from the other side of the world.

Are you aware of this and are here to know whether Natwest is the right company to go on holidays with?

In this definitive Natwest review, we will tell you everything you need to know about their travel insurance policies: coverage options, prices, contact details, cancellation or claim process and much more. Let’s dive in!

Is Natwest the best travel insurance for you?

Always just going for the cheapest travel insurance might not be the best option when it comes to getting assistance or a refund abroad.

At Safe, we strive to help any people travelling from the UK to get the best travel insurance to leave home with complete peace of mind. This is why we’ve dug into Natwest travel insurance policy booklet and attributed our own neutral rating based on five weighted criteria as shown below.

4,2 Safe overall rating for Natwest

Natwest travel insurance reviews by expert and consumers

To check if Natwest is the right travel insurance for you, you can use our free travel insurance comparison tool and get quotes from main travel insurance companies in a few seconds only. 100% anonymous and free.

Find the best travel insurance in just a few seconds!

What does Natwest travel insurance cover?

Natwest travel insurance offers different travel insurance covers to suit any traveller needs, whether you’re leaving for three days alone in Scotland or six months in Antarctica with your partner or whole family.

NatWest's Travel Insurance Policies are available for individuals, couples and families.

Natwest single-trip and annual multi-trip travel insurances

You will find below the limits breakdown per level of cover for single and annual multi-trip insurance policies at Natwest:

Natwest winter sports travel insurancet

The winter sports travel insurance is usually an option that you can take on top of your single or annual multi-trip policy.

Winter Sports Cover is available as standard and it comes with the following benefits:

• Up to £400 ski equipment cover
• Up to £250 ski pack cover.

What are the other travel insurance options available at Natwest?

Due to Brexit, some outbound flights from international airports might be delayed or cancelled. We would advise you to call Natwest before travelling and make sure you get the right compensation amount for your flight or journey if it is cancelled or delayed as well as for Schedule Airline Failure Cover.

How much is Natwest travel insurance?

You'll find below indicative quotes per level of cover at Natwest:

It is, however, quite difficult to give precise price ranges as Natwest travel insurance policy quotes will depend on a range of factors such as:

• Your age at the time of travelling
• The length of your stay
• Your trip destination (Europe, North America, Worldwide)
• The period you wish to be covered for (single trip, annual multi-trip, extension)
• If you need specific insurance (cruise, ski, backpackers, gadget cover)
• Your medical condition before travelling
• Who is travelling with you (on your own, as a couple, as a family).

Can I get travel insurance discounts or promo codes at Natwest?

There are no discounts mentioned on the website.

Use our travel insurance comparison tool to be aware of latest promo codes and vouchers available at Natwest.

What else should I know about Natwest travel insurance?

What are the general exclusions at natwest travel insurance.

To be eligible for the travel insurance policy at NatWest:

• You have to have a valid bank account with them
• You have to be under the age of 70 years unless you buy an age extension
• You must be transparent about any pre-existing medical conditions
• You must have already planned on a return date from your trip.

How do I get travel insurance quote from Natwest?

Nothing easier. Use our 100% online travel insurance comparison tool to compare all policies in just a few seconds, without giving any personal details. If Natwest is the right one for you, then just click on get quote and you'll be automatically directed through the company's sale channel.

Good to know

Shopping around while shopping for personal insurance and not auto-renewing is always the best way to get the best deal and benefit from new customers discounts.

How do I log in to Natwest website?

Through the customer portal, you can view every benefit that comes with your account. You can log in to your account through this log in page

How to claim at Natwest travel insurance?

There are 2 ways to make a claim and that is either online or through a phone call.

How do I contact Natwest travel insurance?

Natwest contact phone numbers, natwest other contact details, how to cancel your annual natwest travel insurance policy.

You will find below main information to cancel your travel insurance policy at Natwest:

Our opinion on Natwest travel insurance

NatWest is a bank that offers travel insurance policies that come along with their current accounts. The insurance policies are available across 3 levels based on the account types: Silver, Platinum and Black. The company's travel insurance policies are underwritten by U K Insurance Limited which is authorised by the Prudential Regulation Authority and regulated by the FCA and the Prudential Regulation Authority.

The travel insurance covers available are Annual Multi Trip with up to 31 days for Silver and Platinum accounts and up to 90 days for Black accounts. The insurance covers come as standard when you open the current accounts therefore, there are no additional premiums to pay for unless you opt for an optional additional cover.

Aside from the travel insurance cover, depending on the type of bank account, you're also covered for the following: mobile phone insurance, free debit card purchases abroad, UK and European breakdown cover, access to over 1000 airport lounges, and 24/7 concierge services.

We would only recommend you consider Natwest if you're actually looking to open a current account that comes with travel insurance cover.

Alexandre Desoutter has been working as editor-in-chief and head of press relations at HelloSafe since June 2020. A graduate of Sciences Po Grenoble, he worked as a journalist for several years in French media, and continues to collaborate as a as a contributor to several publications. In this sense, his role leads him to carry out steering and support work with all HelloSafe editors and contributors so that the editorial line defined by the company is fully respected. and declined through the texts published daily on our platforms. As such, Alexandre is responsible for implementing and maintaining the strictest journalistic standards within the HelloSafe editorial staff, in order to guarantee the most accurate, up-to-date information on our platforms. and expert as possible. Alexandre has in particular undertaken for two years now the implementation of a system of systematic double-checking of all the articles published within the HelloSafe ecosystem, able to guarantee the highest quality of information.

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A current account with extra benefits

To apply, you must be 18+ and a Jersey, Guernsey, Gibraltar or Isle of Man resident. Applicants from Gibraltar must be an existing customer. £18 monthly fee.

For a monthly fee of £18, get more with Gold.

• Arranged overdraft with preferential rates. Subject to status
• Credit interest on current account balances
• Travel insurance for you and your family, including winter sports cover
• 24/7 dedicated concierge service helping you make the most of your valuable free time
• Private Motor Excess Insurance and car rental loss damage waiver insurance

Why choose a Gold account?

Travel insurance in detail.

One of the primary Gold benefits is the travel insurance. The built in travel insurance offers comprehensive cover when travelling and includes winter sports cover.

If you experience difficulties while abroad, you have access to 24/7 emergency medical assistance. Wherever you are in the world, one simple phone call will provide you with instant help and support, day or night.

• Family cover includes you and your partner, plus any dependent children under age 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 or in a civil partnership.
• Your partner is the person you, the account holder, lives with at the same home address in a relationship, whether married or cohabiting.

Review our insurance guides

For more information on how coronavirus (COVID-19) affects your Gold account travel insurance, please review our  frequently asked questions (opens in a new window) .

Emergency medical assistance and claims

If you are injured or ill while you are away, please contact us on:

020 8763 3040

Call +44 (0) 20 8763 3040 from abroad

Using Relay UK? Call 18001 020 8763 3040

email: [email protected]

Lines are open 24 hours a day, 365 days a year

Non-emergency claims

For non-emergency claims, please contact us on:

023 9267 6060

Call +44 (0) 23 9267 6060 from abroad

Using Relay UK? Call 18001 023 9267 6060

email: [email protected]

Lines are open 9am to 5pm, Monday to Friday

Only available to Gold account customers. Gold travel insurance is underwritten by AWP P&C SA and administered in the UK by Allianz Global Assistance.

What the concierge service offers

NatWest International has teamed up with Ten, a leading lifestyle management company to bring Gold account customers a 24/7 concierge service.

Our members enjoy a whole host of exclusive dining, travel, entertainment and retail benefits that have been negotiated with world-leading brands by our team of specialists.

• Unlimited dining, travel and ticket requests
• Savings on flights departing from the UK with Ten’s partnered airlines including various long-haul destination flights with British Airways.
• Access to the experts at Ten concierge

How to get started with Ten

Call or email Gold membership services on:

+44 (0) 2392 676060

email: [email protected]

When emailing Ten concierge, please remember to include your full name and details of how they can help you.

Lines open Monday to Friday 8am to 8pm, Saturday 9am to 5pm. If you’re calling outside of these hours, please call 0207 479 3447.

Private Motor Excess Insurance

The insurance works alongside your existing car insurance. It covers the cost of your excess if you have to make an ‘at fault’ claim where the damage to your vehicle is greater than your excess limit. Should you need to make a claim on your car insurance, you pay your excess as normal and then claim it back. Cover is available for persons who own and insure their private motor vehicle. £3,000 is the limit under the policy.

To notify the insurer of a claim:

Policy number: NWI - PME

Membership Services:  02392 676060 Monday to Friday 9:00am - 5:00pm

email:  [email protected]

You must give all information or help that you are asked for. Further details of how to claim are included in the policy document.

Car Rental Loss Damage Waiver Insurance

£50,000 (or equivalent in local currency incurred as a result of damage, fire, vandalism, theft of use of the rental vehicle. £20 per day (up to a maximum of £200) if the car rental is cancelled or cut short on the advice of a physician. £200 to pay for drop-off charges incurred through the car rental station following an accident or illness. £50 for calling out a locksmith if a named beneficiary unintentionally locks their keys in the rental vehicle.

Policy Number: NWI - LDW

Membership Services:  02392 676060 Monday to Friday 9:00am – 5:00pm

This insurance provides cover for rental periods of up to 31 days. Cover is available for persons aged 21 to 84, at the time when the car rental booking is made.

Only available to Gold account customers. Private Motor Excess Insurance and Car Rental Loss Damage Waiver Insurance provided by AWP P&C SA and administered in the UK by Allianz Global Assistance.

Switch your account to us

The Current Account Switch Service makes switching from one bank or building society to another simple and stress-free. You can choose a switch date to suit you, just make sure you allow a minimum of 7 working days.

The Current Account Switch Service is not available for accounts held in Gibraltar.

Day to day banking from your screen

Online banking

Online banking is a fast and secure way to manage your everyday finances with features including:

• Make sterling & international payments
• Manage your Direct Debits and standing orders
• Create text alerts and more

Online banking available to customers aged 11+ with a NatWest International account.

Banking has never been so convenient with our simple mobile banking app.

• Get cash without your debit card
• Transfer money and make payments
• Find your nearest branch or cash machine and more

App available to customers aged 11+ with compatible iOS and Android devices and a Channel Islands, Isle of Man, UK or international mobile number in  specific countries .

Help with your Gold account

How has the coronavirus (covid-19) pandemic affected the gold travel insurance.

Working with our Travel Insurer provider Allianz we have made improvements to your travel insurance cover for claims arising from epidemic or pandemic diseases.

For more information on how coronavirus (COVID-19) affects your Gold account travel insurance, please review our  frequently asked questions .

Who can I contact about a claim on the Gold travel insurance?

Policy Number: TRVNGOLD

Key information about your Gold travel insurance (PDF, 59 KB)

020 8763 3040 Call +44 (0) 20 8763 3040 from abroad

How do I get Concierge assistance?

Email Ten concierge: [email protected]

Call our Membership Services:  +44 (0) 2392 676060

Lines open Monday to Friday 8am to 8pm, Saturday 9am to 5pm.

If you’re calling outside of these hours, please call 0207 479 3447 .

How do I make a claim on the Private Motor Excess Insurance or Car Rental Loss Damage Waiver Insurance?

Membership Services:  02392 676060 Monday to Friday 9:00am – 5:00pm

Membership Services:   02392 676060 Monday to Friday 9:00am – 5:00pm

Ready to apply?

Before you apply, we've outlined the eligibility for the account below, along with our terms and conditions so you can make sure it's the right account for you.

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• Fee information document for Gold (PDF, 161 KB)
• Current account interest rates (PDF, 54 KB)

Insurance product information for our Gold account

• Insurance product information (PDF, 211 KB)
• What you need to know about the insurance cover (PDF, 56 KB)
• Key information about Gold travel insurance (PDF, 58 KB)
• Private excess motor insurance & car rental loss damage waiver guide (PDF, 188 KB)
• Travel insurance guide (PDF, 304 KB)

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After you’ve finished your online application you’ll receive an email or secure inbox message within 2 working days asking you to:

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Your application will be completed online. Make sure the full name you put on this form exactly matches the one on the photo ID you’ll use to apply. Once approved, we’ll send you an application pack in the post within 18-21 working days.

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The three best bank accounts with travel insurance bolted on: We pick our favourites and whether they're worth paying for

• Some bank accounts include annual worldwide travel insurance
• They often also include car breakdown cover and mobile phone insurance 
• Although there is a monthly cost, having such an account may make sense

By Ed Magnus For Thisismoney.co.uk

Updated: 03:28 EDT, 9 August 2022

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Many Britons will feel a bank account isn't something they're prepared to pay for - after all, most current accounts are 'free'.

However, some packaged bank accounts offer a host of benefits that added together could justify their monthly cost.

The typical perks include free annual worldwide travel insurance, car breakdown cover and mobile phone insurance, often with family members included. 

There is also the convenience factor of having three insurance policies taken care of saving both time and effort in having to organise it separately. 

Some bank accounts charge a monthly fee, but throw in perks such as annual worldwide travel insurance.

Michelle Stevens, banking expert at comparison site Finder, says: 'If you and your family are frequent travellers, then a current account with packaged travel insurance could be well worth the monthly fee, especially given the rising cost of travel insurance premiums in the last two years. 

'But before signing up to any premium current account, it’s important you check that the terms of the travel insurance policy - as well as the other account features and perks - suit your needs.' 

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She adds: 'Another benefit of getting free travel insurance with a current account is that a lot of people usually forgo it - up to 8.6million in 2019 - which is not an advisable move. 

'If you get seriously injured abroad then the bill can reach hundreds of thousands of pounds, so having travel insurance included with a current account may result in a lot of people getting covered who may not have done so otherwise.'

We pick our three favourite current account deals for travel insurance, taking into account the monthly cost and the additional perks on offer.

1.  Nationwide Flex Plus  

This account offers worldwide travel insurance as well as mobile phone and European breakdown cover.

It does come with a £13 monthly charge, which, compared to other packaged bank accounts looks relatively cheap.

Its worldwide family travel insurance, includes winter sports, golf, weddings and business cover.

Nationwide offers worldwide travel, mobile phone and European breakdown cover and charges £13 a month for maintaining the account.

Cover for travel essentials includes luggage, documents and cash as well as protecting against travel-specific problems like delays, cancellations and medical expenses.

Then cancellation cover is up to £5,000, the medical expenses cover up to £10 million, whilst cover for travel disruption will be eligible when caused by natural disasters, or airline or travel end supplier failure.

The policy doesn't cover medical conditions unless they have been declared to Nationwide and accepted. In some instances, you can pay for a medical upgrade to your insurance policy.

Two other clauses to be aware of is that the longest trip length allowed is 31 consecutive days. 

For any person to be insured who is aged 70 or over, they must buy an age upgrade to cover them.

Although the monthly cost will add up to £156 a year, it's possible to offset much of this during the the first year, thanks to Nationwide's current account switching incentive.

Non-Nationwide members can currently get £100 for switching, whilst members who switch to the Flex Plus account could get £125.  

Saves the extra admin: Nationwide's annual travel insurance policy is worldwide, and covers a whole family for multiple trips, not just the individual account holder.

On top of travel insurance, account holders get vehicle breakdown cover both in the UK and the rest of Europe and mobile phone insurance for the whole family.

The car insurance is valid whether someone is a driver or a passenger in a vehicle, and comes with no excess to pay and unlimited callouts.

The mobile insurance covers mobiles belonging to the account holder and those belonging to their partner and dependent children. It covers for loss, theft, damage and faults.

2.  Virgin Money's Club M Account

Virgin's Club M Account comes with a £14.50 monthly charge.

Similar to Nationwide, it offers 31 days' worldwide cover per trip. It will cover the account holder and a partner living with them if there're both under 75, so it's a little more generous on that front.

Virgin's worldwide family multi-trip travel insurance - includes winter sports, golf and weddings. Plus, 24 hour access to a doctor at home or abroad.

There's also cover for up to four dependents under 18 - either in full time education or living with the account holder.

Emergency medical treatment, includes falling ill with coronavirus while away, and cover for the journey home, if it's medically necessary.

It also covers lost, damaged or stolen items, and if the baggage is delayed, any essentials will be paid for in the interim period. It also includes cover for delays or missed departures and winter sports as standard.

Account holders are also covered when cancelling or cutting short a trip if they fall ill with coronavirus as long as they didn't know they had it and weren't being tested for it when they booked their trip. 

The cover includes emergency medical, surgical, hospital, treatment and ambulance costs, as well as any additional accommodation and travel expenses if someone cannot return to the United Kingdom.

There is a maximum allowance of 31 days of worldwide cover per trip.

It covers the account holder and their partner living with them if they're both under 75. There's also cover for up to four dependents under 18. 

A claim will be void if it relates to any medical treatment received because of a medical condition or an illness related to a medical condition which a person knew about at the time of opening the account. 

What else? 

On top of the travel insurance it also offers UK breakdown cover with no call out charges, whether as the driver or the passenger and offers help at the roadside and at home.

It also offers worldwide mobile phone and gadget insurance covering against loss theft, damage, and breakdown

Just make sure you've declared any pre-existing medical conditions and don't leave your valuables unattended to be fully covered.

Its Worldwide family multi-trip travel insurance - including winter sports, golf and weddings. Plus, 24 hour access to a doctor at home or abroad.

Virgin current account holders also benefit from various other perks.

It offers access to an easy-access linked savings account paying 1.71 per cent on balances up to £25,000. C ustomers can also benefit from 2.02 per cent on balances up to £1,000 in their bank account.

New customers switching to the Virgin Money Club M Account can also receive a bonus of 20,000 Virgin Points to spend with Virgin Red, thanks to Virgin Money's latest current account switching offer.

Virgin Red is a rewards club that turns everyday spending into points. Once you are a member, you can earn and spend Virgin Points across almost 200 different rewards.

The 20,000 Virgin Points boost means travellers could get a return flight to Barbados, the Bahamas or St Lucia, while bakery enthusiasts could turn their points into 100 sausage or vegan sausage rolls, 61 coffees or teas or 100 doughnuts or muffins.

3.  Halifax Ultimate Reward Current Account  

Halifax Ultimate Reward current account costs £17 per month, the equivalent of £204 per year. However, there are ways to dramatically reduce this via its cashback and switching offers.

The account includes a family travel insurance policy for the account holder, their spouse or partner and children aged 18 or under, or up to 24 if they're in full time education. 

It includes cover for personal belongings, certain sports and activities such as winter sports golf trips.

At £17 a month Halifax is the most expensive of our three top picks. However, its £150 cash incentive and £5 monthly cashback could help account holders to significantly reduce the cost.

Its cover includes, up to £10million for hospital fees, repatriation, medical confinement, funeral and dental costs incurred if taken ill or injured on your trip. 

Up to £5,000 in total for loss of pre-paid travel and accommodation expenses in the case of cancellation or curtailment. 

It covers personal baggage up to £2,500 if it is lost, damaged or stolen. This includes up to £500 for valuables, and up to £500 for a single item or pair or set of items.

It also covers personal money up to £750 for loss, or theft. This includes up to £300 cover for cash. This is limited to £50 for under 16s.

Watch out: 

Existing medical conditions are not covered, unless these are agreed with the insurer first, and an additional premium may be payable.

The longest trip length is 31 consecutive days. For winter sports, a maximum of 31 days cover in a calendar year.

Halifax's travel insurance covers personal Baggage up to £2,500 if it is lost, damaged or stolen.

It's also worth noting that a £75 excess per adult per incident may apply and to be covered trips must start and end in the UK.

All cover ends when the account holder turns 71. As long as the account holder is less than 71, their spouse or partner will also be covered until they reach 71. 

Eligible children can also be covered so long as they are travelling with the spouse, partner or civil partner of the policyholder. 

What else: 

It also offers car breakdown cover with the AA. This covers any vehicle the account holder is travelling in, at the roadside or at home. But only in the UK. 

For mobile insurance, it covers breakdown, accidental damage, loss and theft up to £2,000. 

However, it only Covers one phone per account holder or two in the case of a joint account. An excess of £100 is payable on all successful claims.

The £17 fee makes it a little more expensive than a few others but there are ways to reduce the cost.

Halifax is currently offering a £150 switching incentive for those who switch from another current account.

On top of the £150 bribe there are other perks to take advantage of. There is a choice of £5 a month paid into the account, two film rentals or three magazine rentals, or a free cinema ticket each month.

In order to benefit from this account holders must choose to either Spend £500 on their debit card each month or Keep at least £5,000 in the account at all times.

They must also pay in £1,500 or more into your account each month and stay in credit - keeping your balance at £0 or above.

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Chase Bank will pay £1% cashback on spending for the first 12 months . Customers also get access to an easy-access linked savings account paying 3.8% on balances up to £250,000. The account is completely free to set up and is entirely app based. Also no charges when using the card abroad.

Nationwide's FlexDirect Account offers 5% in-credit interest to new joiners when they switch on balances up to £1,500. This rate only lasts for one year. The account is fee free.

Halifax Reward Account pays £150 when you switch. Also earn up to an extra £75 cashback when you spend £750 each month for 3 months. There is a £3 monthly account fee, but that’s stopped by paying in at least £1,500 each month.

First Direct will give newcomers £175 when they switch their account . It also offers a £250 interest-free overdraft. Customers must pay in at least £1,000 within three months of opening the account.

NatWest's Select Account account pays £200 when you switch. The account has no monthly charges, but to be elligible for the £200, you'll need to deposit £1,250 into the account and log into mobile banking app within 60 days.

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