Nationwide Flex Plus ????

[LesW]

May I ask when this happened?
From my perspective, there's nothing 'automatic' about the transference of Insurance Co,s unless you are referring to the basic Insurance product given as a member with a flex plus account.
Even then, I would be looking at the t's and C's to make sure I knew where I stood re breakdown cover

I'm with Nationwide, the breakdown cover is with the AA, the travel insurance is now with Aviva, UK Insurance dropped out of the individual travel insurance prefering large company type stuff.

 

[Moonrakersaint]

May I ask when this happened?
From my perspective, there's nothing 'automatic' about the transference of Insurance Co,s unless you are referring to the basic Insurance product given as a member with a flex plus account.
Even then, I would be looking at the t's and C's to make sure I knew where I stood re breakdown cover the travel insurance product provided with the Flexplus account.

I have FlexPlus Travel Insurance. Nationwide notified me in early 2024 that cover would be moving from UK insurance to Aviva.
An age extension upgrade for over 70years of age expires on 27th August.
Aviva have notified me that there is no longer a need to buy an age extension 'upgrade' as maximum age limits have been removed.

 

[Emmit]

Thank you.

I'm assuming that you move over to Aviva at the end of August

Thing is, from my understanding, Aviva may have removed the 'age extention' charge but at the same time they have included conditions that weren't there before. (Like charging for each trip rather than a blanket cover for the year)
Pleased to be contradicted on that one.

 

[TizzyOnTour]

Thank you.

I'm assuming that you move over to Aviva at the end of August

Thing is, from my understanding, Aviva may have removed the 'age extention' charge but at the same time they have included conditions that weren't there before. (Like charging for each trip rather than a blanket cover for the year)
Pleased to be contradicted on that one.

That’s my understanding and experience.

 

[Mickey1]

Thank you.

I'm assuming that you move over to Aviva at the end of August

Thing is, from my understanding, Aviva may have removed the 'age extention' charge but at the same time they have included conditions that weren't there before. (Like charging for each trip rather than a blanket cover for the year)
Pleased to be contradicted on that one.

I’ve just paid £174 for a 52 day trip to Spain, my 90 day trip to Thailand is going to cost a extra £600.

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[Emmit]

I’ve just paid £174 for a 52 day trip to Spain, my 90 day trip to Thailand is going to cost a extra £600.

That was/is my understanding.
With NW you got a default 31nights/days.
If you wanted longer, ie. in our case we upped it to 50nights that covered us for ALL our trips Worldwide for any trips throughout the year providing the trip was less than 50nights.
Those out there with current knowledge, is it now the case that, regardless of the length of trip, one pays per trip.

 

[TizzyOnTour]

That was/is my understanding.
With NW you got a default 31nights/days.
If you wanted longer, ie. in our case we upped it to 50nights that covered us for ALL our trips Worldwide for any trips throughout the year providing the trip was less than 50nights.
Those out there with current knowledge, is it now the case that, regardless of the length of trip, one pays per trip.

That’s the biggest change in our opinion. You now have to pay a hefty charge for EVERY trip over 31 days. No longer the previous basis of pay once and it lasted 12 months.

 

[Wonders]

That's my understanding too. I have used it twice this year and paid trip extention twice. The medical bit lasts the year of your cover.

 

[Mickey1]

That was/is my understanding.
With NW you got a default 31nights/days.
If you wanted longer, ie. in our case we upped it to 50nights that covered us for ALL our trips Worldwide for any trips throughout the year providing the trip was less than 50nights.
Those out there with current knowledge, is it now the case that, regardless of the length of trip, one pays per trip.

Per trip, for anyone who only has 31 days holiday it’s still a bargain, previous to this year I used to pay Under £300 for 120 days which covered the whole year.

 

[BikerGraham]

think it just depends. Some will be better off, some wont. Same as any general policy.

but,
it now doesn't have an age limit
it includes cruise cover.

for us it is better than previously. Although we do have medical conditions, this years cost is a fair bit less than last year but as at present we don't do more than 31 days holiday

when we can travel for longer then will just have to look around. But will probably stay with the account as the breakdown cover is worth the £13 a month on its own.

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[GrahamnSue]

Our motorhome and car have got European breakdown cover for the next 2 years.
Aviva want double what it cost us last year on trip extensions and health extras so we are changing to a Flex account as it is no longer cost effective.

 

[Mickey1]

Our motorhome and car have got European breakdown cover for the next 2 years.
Aviva want double what it cost us last year on trip extensions and health extras so we are changing to a Flex account as it is no longer cost effective.

Wondering why you have breakdown cover with someone else when you already had it with the flex plus account?.

 

[TizzyOnTour]

think it just depends. Some will be better off, some wont. Same as any general policy.

I think this sums it up very well. Some win on the swings whilst losing on the roundabouts, and vice-versa

 

[VXman]

Our ferry booking had restrictions on it so we faced a new ticke purchaset, nothing offered, we had several booked and paid for sites. a number would not refund or be flexible. the wording from Aviva was that they could not help with "anything". due to our travel being via our own motorhome, even though there was specific wording around events beyond our control. I spent quite some time on calls with them and via email with no positive result and just the option to refer to ombudsman. The lady I referred to had a similar result but she had already crossed to europe, for all her bookings they treat her the same. I will as I say drop the plus account both for the fact the travel element is no longer fit for ourr purpose and the breakdown cover although good. will not cover our next van as it will be longer that 8m.

I had to cancel a ferry crossing this month due to a accident that left me unable to travel. They refunded no question.

 

[Puddleduck]

I had to cancel a ferry crossing this month due to a accident that left me unable to travel. They refunded no question.

The like is for the refund not for the accident.

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[VXman]

The like is for the refund not for the accident.

Don't worry - that was the way I took it!!!

 

[JockandRita]

Wondering why you have breakdown cover with someone else when you already had it with the flex plus account?.

Possibly for the same reason we've had to find alternative European Breakdown Cover, ie, due to length, inasmuch that the NW Flex Plus insurances have an 8 x metre length restriction in the EU, it's 8.5 x metres here at home in the UK.

Cheers,

Jock.

 

[GrahamnSue]

Wondering why you have breakdown cover with someone else when you already had it with the flex plus account?.

Spent all my money on a new motorhome so have breakdown cover for 2 years and our car has breakdown cover until it is 5 years old.

 

[The Wino]

Just about to find out how good the travel insurance is we have to cancel a flotilla sailing holiday and flights as Liz has broken her hand I three places. I'm a bit concerned they might quibble as the flights are separate to the flotilla

 

[Puddleduck]

Just about to find out how good the travel insurance is we have to cancel a flotilla sailing holiday and flights as Liz has broken her hand I three places. I'm a bit concerned they might quibble as the flights are separate to the flotilla

Hope Liz isn't in too much pain and it heals well and fast.

Please let us know if you have any insurance hassle.

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[tony_g]

I have the Flexplus travel/medical cover and my previous UK Insurance endorsements have just come up for renewal. Given that I no longer have to pay the over 70 penalty, I can't complain that my existing medical conditions cover has gone up by a similar amount. However, last year I paid £86 for a trip extension to 71 days for multiple trips. Usually two or three long van trips. This time, my immediate need is 65 days for a Christmas/New Year trip to family in NZ, for which Aviva want £142! Given that I plan, probably, two trips of similar lengths in the van, Spring and Autumn, I seem to be looking at best part of £500!

 

[LesW]

I have the Flexplus travel/medical cover and my previous UK Insurance endorsements have just come up for renewal. Given that I no longer have to pay the over 70 penalty, I can't complain that my existing medical conditions cover has gone up by a similar amount. However, last year I paid £86 for a trip extension to 71 days for multiple trips. Usually two or three long van trips. This time, my immediate need is 65 days for a Christmas/New Year trip to family in NZ, for which Aviva want £142! Given that I plan, probably, two trips of similar lengths in the van, Spring and Autumn, I seem to be looking at best part of £500!

I hope you complain to Nationwide, as far as customers are concerned, Nationwide getting into bed with Aviva is a massive blunder.

 

[Wildbill]

Deleted post

 

[Red Sonja]

We had a speed sensor fail on route for the ferry, long strory short we had to rebook outward journey plus rearrange cancel some nights, they said because we were travelling in out own motorhome we were covered for nothing. I have Breakdown cover with LV. If you breakdown 7 days before a booked trip then it covers all costs associated with changing ferries and associated expenses.

 

[jerryz]

I am only using Flexplus travel insurance for accidents or infections etc ,, for pre existing issue cover I wont bother AVIVA are far too expensive , and many other insurance comapnies wont quote me anyway for pre exixting ,,WEhen im in EU im covered anyway by EHIC and Austrian citizenship ,,, and in Thailand i go to government hospitals as they are cheap and good .. The private ones in Thailand are all ripoffs and some are deadly

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[herald_400rl]

Take everything into account. The breakdown cover is excellent - UK and Europe, personal cover for you and your partner so that means all the vehicles you ever drive. For me and the wife that's 3 (1 over 10 years and one over 20) so that's £200 plus saved already. Remember travel covers the whole family too, and it's worldwide. You can only take these aspects into consideration if they are beneficial to you and compare with some other travel ins quotes

I was in a family members van that broke down and because the cover is for "me" rather than the vehicle (plus 1 nominated vehicle which is our car so my wife is covered in that) they came and sorted us out.

 

[Tezza50]

Just renewed the existing conditions (2) for Debs and it’s only a third of the cost with Aviva rather than Uk insurance , so quite pleased .

 

[Madcaravanner]

OK A word of anxiety and anger

We had Nationwide Flex+ we made a claim on it for my irrepairable phone (value £200)

Last night renewed our House insurance to find that said claim has affected said House insurance by £200 - apparently any claim on Flex+ is linked to your house insurance

So today I have downgraded to Nationwide basic account as this is unacceptable that one "independent " insurance affects another major household insurance

 

[VXman]

OK A word of anxiety and anger

We had Nationwide Flex+ we made a claim on it for my irrepairable phone (value £200)

Last night renewed our House insurance to find that said claim has affected said House insurance by £200 - apparently any claim on Flex+ is linked to your house insurance

So today I have downgraded to Nationwide basic account as this is unacceptable that one "independent " insurance affects another major household insurance

Don't quite understand how this works. Is your house insurance with nationwide or Aviva , or is it an entirely separate company?

Of course, just like car insurance, home insurances companies usually ask if you have made any claims and this will generally affect your premium.

 

[martin west dorset]

OK A word of anxiety and anger

We had Nationwide Flex+ we made a claim on it for my irrepairable phone (value £200)

Last night renewed our House insurance to find that said claim has affected said House insurance by £200 - apparently any claim on Flex+ is linked to your house insurance

So today I have downgraded to Nationwide basic account as this is unacceptable that one "independent " insurance affects another major household insurance

Why would you bother even claiming for a £200 phone? By the time you pay the excess not worth claiming for, I certainly would not even think about claiming for a low value item, insurance company’s are in business to make money.

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