Nationwide Flex Plus

[billym]

From Nationwide policy document.



" Any vehicle registered in the UK, being driven by or carrying the Nationwide FlexPlus
account holder(s) or a vehicle registered in the UK and owned and registered to the
account holder(s), which is being used with the permission of the account holder(s)
and does not exceed any of the following dimensions when fully loaded:
- Caravans and trailers - 8 metres in length (including A-frame).
- Motorhomes - 8 metres in length or 7.5 tonnes in weight.
- All other vehicles - 7 metres in length, 2.3 metres in width, 3 metres in height or
3.5 tonnes in weight.
- All vehicles must also meet the criteria specified in Section B"
( Section B is about road worthyness etc)

It is one of very few breakdown covers that does not stipulate the age of vehicle.

We used them in Lithuania last year and once they had worked out how to communicate in Lithuanian/ Russian/ English it all worked out well. Ten days in a lovely friendly Kaunus hotel and job done.

 

[Spriddler]

I think perhaps we all need to read the link more carefully, especially page 5. Item 3, section A, bullet point 3. See below:-
3. What is/isn’t covered Section A – Introduction to Britannia Rescue Breakdown Policies
• This policy is for Nationwide FlexPlus current account holder(s) permanently residing in the UK
• This policy will cover the Nationwide FlexPlus current account holder(s) for breakdown and recovery assistance at the roadside and at your home address. FlexPlus current account holders are covered in any vehicle whether as a driver or a passenger. It doesn’t cover costs incurred by driver(s)/rider(s)/passengers in accompanying vehicles that haven’t broken down
• It also provides cover for one vehicle registered to the Nationwide FlexPlus current account holder and being used with their permission. Where the account is in joint names two vehicles can be covered

That refers to when it is being driven by the non registered owner of the vehicle as it says: It also provides cover........ for one vehicle registered to the N/w Plus current account holder.........and being used with their permission.

In other words, if you break down in your m/h and someone borrowing your car breaks down at the same time only one of your vehicles is covered.

 

[gus-lopez]

I think perhaps we all need to read the link more carefully, especially page 5. Item 3, section A, bullet point 3. See below:-
3. What is/isn’t covered Section A – Introduction to Britannia Rescue Breakdown Policies
• This policy is for Nationwide FlexPlus current account holder(s) permanently residing in the UK
• This policy will cover the Nationwide FlexPlus current account holder(s) for breakdown and recovery assistance at the roadside and at your home address. FlexPlus current account holders are covered in any vehicle whether as a driver or a passenger. It doesn’t cover costs incurred by driver(s)/rider(s)/passengers in accompanying vehicles that haven’t broken down
• It also provides cover for one vehicle registered to the Nationwide FlexPlus current account holder and being used with their permission. Where the account is in joint names two vehicles can be covered

That only applies to ONE vehicle being used by OTHER than the policy holder but with their permission.Or TWO vehicles being used by OTHER than the policy holder if account in joint names.
Registered to th epolicy holder means on the V5

 

[TheBig1]

a member of this forum had a disastrous breakdown last year and despite calling the breakdown service nationwide's people left a lone woman at the roadside with no cover. they had to call out an independent garage to be rescued

 

[Snowbird]

I have used Nationwide breakdown cover plenty of times over the years. Friends Volvo estate car broke down whilst I was driving on M6 Corley, recovered to his home in Stoke.
RV, blowout Reims, wheel changed.
PVC dash warning light came on in Serbia, repaired at side of road, reprogrammed.
Smartcar, flat battery, jump started at side of road.
Friends VW which I was a passenger in broke down, recovered to his home address.
VW, ran out of diesel M6 Holmes Chapel, brought diesel to me.
RV, brake caliper sticking, France, recovered to garage for repair.
VW camper Spain, fractured and leaking injector pipe, recovered to garage and replaced.

Not to mention, several spells in private hospitals abroad, one spell in Levante Benidorm with private suit with balcony for 10 days with a bad dose of gastro interitus.

Cannot fault the service I have had with Nationwide, and for sure I will not be changing.

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[BusyBuilder]

I've used breakdown cover for my bike, my work Transporter and our car, never had a problem on any call and all resolved satisfactorily and we live up in the Highlands with limited breakdown companies.

 

[Ninjabob]

Used the mobile phone insurance when smashing the screen on my Samsung S7. Repair would have cost £169 from Samsung - paid £25 excess. Phone returned perfect in three days. Nothing short of excellent service.

 

[Sunnyb]

Can anyone confirm if this includes breakdown cover for Europe please (its for the van)
Cheers

Yes it does. We used it this summer when we broke down in France. We actually opted for the repatriation of the van as wanted to have it fixed at home. They paid for everything without a quibble although the repatriation process was VERY slow and I wouldn't use that option again. However the rest of it worked very well. NW subcontract it to LV Britannia and they do the rest. I think it's good value still.

 

[Top Hat]

Can anyone confirm if this includes breakdown cover for Europe please (its for the van)
Cheers

Remember the flexplus travel insurance is limited to 31 days abroad so if you are going to exceed that a upgrade has to be bought which includes the breakdown cover, so unless you have another travel insurance policy the breakdown cover duration doesn't matter.

 

[Snowbird]

Remember the flexplus travel insurance is limited to 31 days abroad so if you are going to exceed that a upgrade has to be bought which includes the breakdown cover, so unless you have another travel insurance policy the breakdown cover duration doesn't matter.

That is correct and I pay to upgrade to 90 days. Dont forget, the travel insurance is worldwide, imagine how much travel insurance would cost for a 90 day trip in the US. I think I pay around £140 extra per year for existing medical problems and the 90 day cover.

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[Casper46]

That is correct and I pay to upgrade to 90 days. Dont forget, the travel insurance is worldwide, imagine how much travel insurance would cost for a 90 day trip in the US. I think I pay around £140 extra per year for existing medical problems and the 90 day cover.

We pay the upgrade for travel . I have emailed Nationwide to ask them to confirm the 180 days journey for breakdown. Does that mean 180 days split into separate journeys, or one journey up to 180 days. Unless I have missed something it does not clarify on the website.

 

[Sunnyb]

We pay the upgrade for travel . I have emailed Nationwide to ask them to confirm the 180 days journey for breakdown. Does that mean 180 days split into separate journeys, or one journey up to 180 days. Unless I have missed something it does not clarify on the website.

Just a thought, as they subcontract that bit to LV Britannia, it might be worth contacting them instead, especially if you don't get anywhere with NW. I have a customer relations number and email from our recent dealings with them about the repatriation delays: 0800 0234417 feedback@lv.com

 

[Snowbird]

We pay the upgrade for travel . I have emailed Nationwide to ask them to confirm the 180 days journey for breakdown. Does that mean 180 days split into separate journeys, or one journey up to 180 days. Unless I have missed something it does not clarify on the website.

I have the 90 day option, not 180 days. As long as I touch down in the UK after 90 days I am good to go for another 90 days, which covers most bases.

 

[Camdoon]

We pay the upgrade for travel . I have emailed Nationwide to ask them to confirm the 180 days journey for breakdown. Does that mean 180 days split into separate journeys, or one journey up to 180 days. Unless I have missed something it does not clarify on the website.

The duration limitations are for health insurance rather than breakdown insurance. There is no visit duration limit as far as I can see for breakdown issues abroad.

"Need more cover just upgrade
Optional upgrades available to extend your cover, including for Hazardous activities and trips lasting more than 31 days"

 

[Casper46]

I have the 90 day option, not 180 days. As long as I touch down in the UK after 90 days I am good to go for another 90 days, which covers most bases.

I thought that just applies to Travel insurance, it’s the Breakdown Cover that I need confirming, preferably by email rather than a phone conversation, then there is no arguing.

The duration limitations are for health insurance rather than breakdown insurance. There is no visit duration limit as far as I can see for breakdown issues abroad.

"Need more cover just upgrade
Optional upgrades available to extend your cover, including for Hazardous activities and trips lasting more than 31 days"

This is the reason I want it in writing. I looked yesterday and read that breakdown was limited to 180 days. Hopefully I have misread!!

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[Camdoon]

Found it for Breakdown Cover:
TRIP "a pre booked continuous journey to the countries as specified within the geographical limits of Section 3D (UK & European Assist) which begins and ends in the UK and which does not exceed 180 days in total during a 12 month period"

 

[2657]

Found it for Breakdown Cover:
TRIP "a pre booked continuous journey to the countries as specified within the geographical limits of Section 3D (UK & European Assist) which begins and ends in the UK and which does not exceed 180 days in total during a 12 month period"

I posted in that in #23......keep up at the back

 

[Clickem]

With the 3% interest on your £3000 no longer paid, we have in effect lost £7.50 a month. paid into the account. You do not have to look hard to find accounts that pay 1.5%, or £3.75 a month

Move the £3000 to another account and the cost of your Nationwide cover is going to be about £3.75 a month, or £45 a year

For me, over 70 with medical miseries, this is just another nail in the proverbial, and I will look around for alternatives in the next couple of months. If I was under 70 and had no medical issues to declare, I would think that this was still a very good product and well worth keeping

 

[BusyBuilder]

Re breakdown cover for 180 days, what happens if you go abroad and only book the outer ferry and not the return ferry ?

 

[Casper46]

Re breakdown cover for 180 days, what happens if you go abroad and only book the outer ferry and not the return ferry ?

I am still waiting for a reply from Nationwide regarding the exact cover for breakdown. I have spoken to Brittania twice and received two different versions.

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[2657]

Re breakdown cover for 180 days, what happens if you go abroad and only book the outer ferry and not the return ferry ?

The only way to get a definitive answer is to ask them but my opinion is that with no return booked and a time limited policy then they would be within their rights to refuse cover as the trip is not 'pre booked'.

I was told this by the C&CC a few years ago when enquiring about their European cover.

 

[Sunnyb]

I am still waiting for a reply from Nationwide regarding the exact cover for breakdown. I have spoken to Brittania twice and received two different versions.

If you can get an email response that would be best as you can keep that and refer to it in the unfortunate event of needing to claim. Not always easy to get that I know. If you are not getting anywhere I would be inclined to contact them again and use the 'C' word: the fact that you have had two different responses from LV is sufficient, in my view, for you to raise a Complaint with them. This may seem over the top but in financial services any 'oral or written expression of dissatisfaction' is a complaint and should be directed to a specific complaints team who must deal with it. You could state that you are 'unhappy with the confusing and unsatisfactory response' you have received to your query and that not having a clear answer 'could result in financial loss and material distress and inconvenience if you were to break down and find you were not covered when you have made every effort to get clarity on the point in question'. The complaint process can be slow sometimes but your 'complaint' is one that could fall under the 'quick resolution' process because they should be able to resolve it within 3 business days - after all, you only want a definitive answer in writing to a question about the policy conditions. If insurers get a complaint they will always prefer to resolve it within the QR process if they can because it looks better on the returns they have to make to the Financial Conduct Authority annually (I work in insurance/financial services so am familiar with the complaints processes which these companies need to follow).

This should ultimately lead to you getting a definitive answer in writing. I would probably stick with LV - I have found NW themselves to be pretty slow at replying.

 

[Camdoon]

I travelled to Cyprus to live in the 90's. Could not find cover for the way out as I was not due to return to the UK but was easy when driving home some years later.
Channel tunnel tickets are flexible enough to allow you to book well in advance and change easily if done at least 24 hours before. Even easier with their (banned word) policy.

 

[roncab]

The breakdown cover is first class we broke down last year in the Sierra Nevada mountains miles from anywhere they a breakdown truck to us within a hour and backup service was great best £13 50 you can spend

 

[Hils and Glenns]

With the 3% interest on your £3000 no longer paid, we have in effect lost £7.50 a month. paid into the account. You do not have to look hard to find accounts that pay 1.5%, or £3.75 a month

Move the £3000 to another account and the cost of your Nationwide cover is going to be about £3.75 a month, or £45 a year

For me, over 70 with medical miseries, this is just another nail in the proverbial, and I will look around for alternatives in the next couple of months. If I was under 70 and had no medical issues to declare, I would think that this was still a very good product and well worth keeping

Being in the same boat as you. I would be interested in alternative accounts if you come up with any.

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[Sunnyb]

The breakdown cover is first class we broke down last year in the Sierra Nevada mountains miles from anywhere they a breakdown truck to us within a hour and backup service was great best £13 50 you can spend

Despite the delays we experienced with repatriation side of things I would very much agree with this.

 

[patricia the newbie]

Up until now, this account was worth it for me and very good, but as a singleton with cheap phoned who hasn't gone abroad for a while , it's no longer worth it . I'm looking at Autoaid that covers for £6 ish personal cover as I have two vehicles.
My van is a camper so some recovery has weight, size and age limits. I must admit , I'm sorry to close this account , but I'll stay a member and move to the fee free account

 

[pandas]

Some breakdown policies that are part of a bank savings account have a vehicle weight limit of 3.5 t. Ditto if you have a specific car insurance that covers you for any car that you are driving or are a passenger.I don't think it works the other way round though.