Nationwide flexplus...is it still worth it ?

[RM_Marine]

Yep and buy items without a currency exchange charge

 

[scotzsue]

Lots of extra payments for over 70 s more than 31 days travel and extra for existing conditions, may not be the bargain I thought it would be.

 

[carolyn]

I think that's the key point. Since you haven't declared notifiable conditions and paid the extra charge you don't qualify for the N'wide cover anyway.

I suppose I should have gone into more detail. I don’t have declarable conditions so I would be doubly covered. Nick’s the one who has the conditions that would incur extra premiums with Nationwide but don’t with Lloyds! Sorry. It’s only this year really that I’m dithering as Nationwide would be extra good for Turkey and Cyprus re breakdown. I’ve got 48 hours to cancel Greenflag who are OK ish.

You know what insurance companies can be like , I don’t want to do anything to jeopardise our health cover!

I might phone and ask if I can have the account and use the benefits except travel insurance. Then I’ll know for sure.

 

[Speve]

That's interesting as I'm currently looking for annual multi trip worldwide (not USA) including cruise cover for a couple over 70. Some of the quotes I've been getting have been laughable with one adding £500 for an extra asthma inhaler (2 to 3 instead of 1 to 2) £2400+ up to £2900+. Don't particularly need the breakdown cover on the car as that's covered by the annual service. Even with the medical cover it's got to be the best we're likely to get. A phone call to get advice on medical add ons is forthcoming.

Have you tried LV= their travel cover is very competetive we have their premium annual travel insurance max trip 90 days £239 both in our 70s with declare med conditions and includes cruise cover.

 

[Spriddler]

I suppose I should have gone into more detail. I don’t have declarable conditions

Ah, my mistake. I misunderstood this bit in your post as I took it that your 'conditions' were medical conditions............

We would have conditions not covered by the basic Nationwide flexplus without paying extra.

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[Bailey58]

Have you tried LV= their travel cover is very competetive we have their premium annual travel insurance max trip 90 days £239 both in our 70s with declare med conditions and includes cruise cover.

Tried several a few weeks ago and I'm sure LV were among them as they covered the motorhome indirectly (Highway). I will try them again as we're looking at cruises in the next couple of months.

 

[ericonabike]

Just be aware that Nationwide have changed their breakdown supplier to AA. And the AA haven't done a brilliant job in notifying call handlers that mohos over 3.5 tons ARE covered as part of their cobtract with Nationwide. Despite their not being covered by the AA's regular policies. Took me a lot of time on the phone to explain, and a formal complaint...

 

[Jason Hadlow]

I struggle to imagine how anyone going on a European vacation in their MoHo will stay under 3.5 tonnes. That and additional payments for over a month, probably better doing breakdown with RAC Arrival

 

[ericonabike]

They don't weigh your moho. They rely on DVLA classification...

 

[BusyBuilder]

I struggle to imagine how anyone going on a European vacation in their MoHo will stay under 3.5 tonnes. That and additional payments for over a month, probably better doing breakdown with RAC Arrival

Where in the terms and conditions is that ? I've read through the T & C's and don't see any time limit on Euro travel ?

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[scotzsue]

I struggle to imagine how anyone going on a European vacation in their MoHo will stay under 3.5 tonnes. That and additional payments for over a month, probably better doing breakdown with RAC Arrival

Weighed our fully loaded apart from 1 pushbike motorhome 3.5 came in with 270KG to spare, depends on van our Escape had over 600kg payload on a lightweight chassis, always had loads over there too. Even the 4T mizar with the KTM inside had about 100 to spare when fully loaded.

 

[Spriddler]

Where in the terms and conditions is that ? I've read through the T & C's and don't see any time limit on Euro travel ?

There's this on their website.......

Health cover:

And max breakdown cover weight for m/h's 7.5 tonnes........

FlexPlus | Packaged bank account | Nationwide

Open a FlexPlus current account, a packaged bank account with travel insurance, breakdown recovery and mobile phone cover.

www.nationwide.co.uk

 

[LesW]

I struggle to imagine how anyone going on a European vacation in their MoHo will stay under 3.5 tonnes. That and additional payments for over a month, probably better doing breakdown with RAC Arrival

Easily done in our Inca, weighed it the day before an extended tour of Europe, complete with two bikes on the back tank full of water, fuel etc.

Just needed to add two adults and a few items of underwear.. Total 3.1 tonnes.

But then we don't take all the tat that folk think they need to 'get away from it all'

 

[kevinbolton260362]

I purchased a trip extension today, paid £57.
This covers us for 56 consecutive days, no limit on the amount of trips per year.
Wife has no medical conditions, high blood pressure declared for myself.

If you have someone who can come into your home occasionally to water plants etc, maybe a son or daughter to sleep over once in a while then that means your home has not been left unoccupied whilst you are away. That's the way i see it anyway.

 

[Didda]

It certainly is for us, with three cars (including moho) and a motorbike it pays for itself with the breakdown cover alone.

We agree that it is excellent with two cars and a campervan here. But, beware! If it is a joint account with two names, then only two vehicles are covered. One name on the account, then only one vehicle is covered. I only just found this out, I thought that it was us that were covered! So, the first two vehicles that need a callout become the two insured!

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[Namron]

Just coming to renew above {extras } and am beginning to wonder if its still good value. £13 month plus £65 {over 70 } wifes Asthma (£134)Total £356.Anyone got any suggestions?

Don't forget you have recovery in with that

 

[JockandRita]

.............and no longer than 8m in Europe.

That's where we falter on the NW FlexPlus insurance.

Cheers,

Jock.

 

[DBK]

Just coming to renew above {extras } and am beginning to wonder if its still good value. £13 month plus £65 {over 70 } wifes Asthma (£134)Total £356.Anyone got any suggestions?

Do you know how much extra they charge for trips longer than 31 days? I know it's not a fixed amount but depends on the length of the trop but for example what does a 60 day trip cost?

 

[DBK]

.............and no longer than 8m in Europe.

That's where we falter on the NW FlexPlus insurance.

Cheers,

Jock.

"Or an accident where you are at fault". I've never seen that exclusion on a policy before. I don't plan to cause an accident but would want to be covered. I also suspect there could be quite a delay while they decide who is at fault.

I think the old saying which starts "if it looks too good...." applies here.

 

[Spriddler]

"Or an accident where you are at fault". I've never seen that exclusion on a policy before. I don't plan to cause an accident but would want to be covered. I also suspect there could be quite a delay while they decide who is at fault.

That would be covered by the vehicle's obligatory insurance rather than an elective breakdown policy.

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[JockandRita]

"Or an accident where you are at fault". I've never seen that exclusion on a policy before. I don't plan to cause an accident but would want to be covered. I also suspect there could be quite a delay while they decide who is at fault.

I think the old saying which starts "if it looks too good...." applies here.

As that cover is within a breakdown policy, I'd expect my vehicle insurer to facilitate cover in the event of an RTC, (not referred to as RTAs, (Road Traffic Accidents) anymore, as someone is always at fault).

Well spotted DBK.

Cheers,

Jock.

 

[Minxy]

If you have someone who can come into your home occasionally to water plants etc, maybe a son or daughter to sleep over once in a while then that means your home has not been left unoccupied whilst you are away. That's the way i see it anyway.

Be careful with that assumption ... you need to find out exactly what they mean by 'left unoccupied' and what you would have to put in place to ensure you comply and don't fall foul. One insurer I contacted required that someone stayed over a good few days a week, every week, once outside the original cover period. The day's of popping in, feeding the cat etc, and staying one night seemed to be long gone.

You also need to be aware that if you can extend the period of cover without the need for 'checks' that in all likelihood the level of cover will be severely reduced.

Broken Link Removed

 

[Mabsabbott]

Not suggesting that overall Nationwide isn't good value but there are some very competitive breakdown policies out there. I pay £60 for my breakdown cover. It covers me in any car I drive, whether I own it or not and includes home start.

Have a look at the Co-operative. Cover is up to 80 years old and the uplifts for pre existing conditions very reasonable. It’s £2 more but you get that back by using your debit card.

 

[Beltie]

As that cover is within a breakdown policy, I'd expect my vehicle insurer to facilitate cover in the event of an RTC, (not referred to as RTAs, (Road Traffic Accidents) anymore, as someone is always at fault).

Well spotted DBK.

Cheers,

Jock.

Surely an RTC is not a breakdown, that's what your MH comprehensive insurance is for. I agree the fault/non fault wording is a bit perplexing!

 

[Bailey58]

Well, after umming and aahing over it for a month or more I've just opened a FlexPlus account and completed the medical upgrade at a quote of £109.49 for asthma/copd and acid reflux x2. Add in the over age extension £65 and we're covered for around £330 pa. Less than half the price I've been quoted for just annual multi Europe less cruise cover elsewhere. Thank you to those who've been promoting it over the last six months!

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[JockandRita]

Surely an RTC is not a breakdown, that's what your MH comprehensive insurance is for. I agree the fault/non fault wording is a bit perplexing!

Yep, I totally agree, as per my post you quoted.

Cheers,

Jock.

 

[Arnside037]

I did have Nationwide but cancelled as travel is limited to 31 days. Extending it to 60 was very expensive and made it cheaper to buy separate. OK if you don't do more than 31 days.

I see they cover your wedding clothes though so useful if you're getting married.

Just extended ours to 45 days for any trip withing the year at £36.

 

[VXman]

Just extended ours to 45 days for any trip within the year at £36.

I cant remember what the figure was for 60 days but I did the math and it didn't make sense in comparison with standalone policies. I didn't need breakdown at the time as I was still under warranty. I will revisit it when it comes time to renew in September.

 

[steve69]

Just coming to renew above {extras } and am beginning to wonder if its still good value. £13 month plus £65 {over 70 } wifes Asthma (£134)Total £356.Anyone got any suggestions?

Co-incidentally, I looked into this deal and no, it's not very good compared with the interest you can accrue on some accounts. I have worldwide insurance for £120, whilst my savings make at least£170 per year.

 

[gus-lopez]

’m not sure what happens in the event of “double cover” in the even of a medical emergency abroad.

they will tell you that you "can't be covered twice" It is nonsense & not legal. they are required to split the cost between them whether there is 2 companies or 20. They are quick enough when there is a claim on them to get insurance details from all persons involved & even any who just happen to be there so they can spread the costs .

"Or an accident where you are at fault". I've never seen that exclusion on a policy before. I don't plan to cause an accident but would want to be covered. I also suspect there could be quite a delay while they decide who is at fault.

Yes that would come under your vehicle insurance

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