Nationwide FlexPlus Travel Insurance

[Smokaijo]

If you have any preexisting conditions/ medications you will need to inform Aviva at time of changeover according to the bumf.

Yes this will be interesting as I am with Nationwide and had to pay extra for my medical condition and at present it was the best arrangement out there HOWEVER mine runs out in July just before we head off to Germany so I’m hoping the new insurance isn’t going to cost double as it won’t be sustainable.
Also when I took out this account I was led to believe no charges would be added when using my card in other countries but now I find that’s not the case - so will be watching this changeover with Eagle eyes

 

[jezport]

Will be interesting to see what extra they will charge for various pre-existing illnesses. Virgin dont charge extra for my arthritis. wonder if they will.

 

[Bailey58]

Going back to my earlier post on Aviva "If you want single trip travel insurance and you are ages 80 or over or want annual travel insurance and are ages 75 or over, you should contact our business partner - All Clear Travel Insurance Services - on 01708 339028 for a quote." That doesn't sound good as I trawled the travel insurance companies last year before settling on nationwide and most of them, including All Clear, were exhorbitant.

 

[Emmit]

Going back to my earlier post on Aviva "If you want single trip travel insurance and you are ages 80 or over or want annual travel insurance and are ages 75 or over, you should contact our business partner - All Clear Travel Insurance Services - on 01708 339028 for a quote." That doesn't sound good as I trawled the travel insurance companies last year before settling on nationwide and most of them, including All Clear, were exhorbitant.

I'm not certain but isn't an Insurance Co. that is attached to another Co. (in this case NW) going to give a price and conditions different to their 'day to day' policies.
We see it with Breakdown cover when NW customers get better cover and rates than what would be obtained on the market.

 

[denisejoe]

Going back to my earlier post on Aviva "If you want single trip travel insurance and you are ages 80 or over or want annual travel insurance and are ages 75 or over, you should contact our business partner - All Clear Travel Insurance Services - on 01708 339028 for a quote." That doesn't sound good as I trawled the travel insurance companies last year before settling on nationwide and most of them, including All Clear, were exhorbitant.

Agree that All Clear are exhorbitant! Nationwide wouldn't cover Joe when I phoned last year as he'd just had an AAA repair done. This year he's waiting for a knee replacement so contacted All Clear just to cover us for our 2 week September holiday to Tunisia we are paying just over £390! Ridiculous. I'm hoping that once that's out of the way we'll be able to get the Nationwide to cover us.

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[Bailey58]

I'm not certain but isn't an Insurance Co. that is attached to another Co. (in this case NW) going to give a price and conditions different to their 'day to day' policies.
We see it with Breakdown cover when NW customers get better cover and rates than what would be obtained on the market.

Hopefully. I have a holiday to India booked for next January so I'll see what happens with Aviva and whether I'll gain by the saving on over 70 payments with UK Insurance but I may have to renew on 19th April with UK to maintain cover on what is an expensive trip.

 

[Lenny HB]

Also when I took out this account I was led to believe no charges would be added when using my card in other countries but now I find that’s not the case - so will be watching this changeover with Eagle eyes

NW won't put any charges on but the local bank may, it will be the same with any card.

 

[Emmit]

NW won't put any charges on but the local bank may, it will be the same with any card.

I know the response was for a Funster going to Germany, however, the only Bank I have found in Spain that doesn't charge commission at their end is Unicaja. I'm prepared to be contradicted, in fact I hope I am.

 

[Hymerboy]

I was not aware that you had to have a return booked before going, surley the 31 days multi trip means that if you stay longer then you are not covered , the same as any period of cover, if you stay longer your not covered.

 

[Ian Bosman]

I'm not certain but isn't an Insurance Co. that is attached to another Co. (in this case NW) going to give a price and conditions different to their 'day to day' policies.
We see it with Breakdown cover when NW customers get better cover and rates than what would be obtained on the market.

Exactly my thoughts as very satisfied long time customer. I claim dthe other day for the costs of medical treatment on board a cruise ship $660 for e chest infection (not covid of noro virus) settled immediately. my cover is a bit different as.a long time NW travel insured person i am led to believe.

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[Tom G]

Just to put some peoples minds at rest re pre and existing medical conditions.

Mrs Emmit was diagnosed with Lymphoma in 2022.
When renewing our NW Flex Travel Insurance in early 2023, we were told that UK Insurance
would not cover her should a reoccurence of the malady occur. That put her in the same position
as TwistNShout's wife, (above)

Cut to this years renewal.

They have removed the restriction on her cover for Lymphoma because, "It has been more than 12 months
since you were given the 'remission' date for your Lymphoma"

So, coming out of that as it applies to Mrs Twistnshout, she might find that, whilst she will not be covered for
illnesses and events arising out of her Cardioinversion right now, in a years time, she might find that as far as she
is concerned, she becomes an 'acceptable' customer once more.

As a Postcript Mrs Emmit's contribution to the Annual payment of the NW Insurance is £64, this AFTER
having NH Lymphoma.

Having seen the pre-notice I saw one item causing concern. It states that if you do not accept ALL of the Insurance items covered, then you will have your Flex Plus Account cancelled. So if the cost for add-ons for medication taken (who doesn't these days!) via their medical screening is too much when compared with the UK Insurance charges, and decline, then we lose our Flex Plus Account. I was told by our local N'wide that if I did not like, or take the complete insurance cover, then Flex Plus is not for me, and I would be offered alternative accounts. So it appears to be a 'take it or lose it' option. This 'option' has been confirmed to friends who queried this notice. So it remains to be seen how much Aviva charge for their 'extra's.

 

[Joethejoiner]

Cooperative bank worth checking

 

[Nanniemate]

When father had his hip replacement over q0 years ago the insurance went up £1000s so for 2 years he travelled without.

 

[Emmit]

Having seen the pre-notice I saw one item causing concern. It states that if you do not accept ALL of the Insurance items covered, then you will have your Flex Plus Account cancelled. So if the cost for add-ons for medication taken (who doesn't these days!) via their medical screening is too much when compared with the UK Insurance charges, and decline, then we lose our Flex Plus Account. I was told by our local N'wide that if I did not like, or take the complete insurance cover, then Flex Plus is not for me, and I would be offered alternative accounts. So it appears to be a 'take it or lose it' option. This 'option' has been confirmed to friends who queried this notice. So it remains to be seen how much Aviva charge for their 'extra's.

I'm sorry, it's early in the morning but I am finding it difficult to understand what you are saying.
The NW account gives various benefits.
For instance, it gives breakdown cover (better than.' ordinary' customers of the same breakdown Co. It also has mobile phone Insurance.

The third section of cover is Travel Insurance. It is not mandatory that one has that Insurance. If you get a quote from the agreed supplier (at the mo. UK) and you either don't like the price or any of the conditions arising out of ones medical conditions, you aren't compelled to take it out under threat of losing the account.
You are quite free to go to another Insurance provider.

 

[Bailey58]

Having seen the pre-notice I saw one item causing concern. It states that if you do not accept ALL of the Insurance items covered, then you will have your Flex Plus Account cancelled. So if the cost for add-ons for medication taken (who doesn't these days!) via their medical screening is too much when compared with the UK Insurance charges, and decline, then we lose our Flex Plus Account. I was told by our local N'wide that if I did not like, or take the complete insurance cover, then Flex Plus is not for me, and I would be offered alternative accounts. So it appears to be a 'take it or lose it' option. This 'option' has been confirmed to friends who queried this notice. So it remains to be seen how much Aviva charge for their 'extra's.

I'm sorry, it's early in the morning but I am finding it difficult to understand what you are saying.
The NW account gives various benefits.
For instance, it gives breakdown cover (better than.' ordinary' customers of the same breakdown Co. It also has mobile phone Insurance.

The third section of cover is Travel Insurance. It is not mandatory that one has that Insurance. If you get a quote from the agreed supplier (at the mo. UK) and you either don't like the price or any of the conditions arising out of ones medical conditions, you aren't compelled to take it out under threat of losing the account.
You are quite free to go to another Insurance provider.

Equally you are free to travel on their insurance without accepting the medical add ons, particularly if like us, they are unlikely to cause a medical event on holiday.

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[Anjistar]

Aviva have been a right royal pain with our house insurance this year, wanting locks fitted to windows a three year old couldn't get through, flues repositioned despite no issues for the last 35 years and a 'responsible adult' to go in and check our house every few days when we were away for 6 weeks, despite no claims for the last 10 years, and before that only a couple of hundred quid for a half-empty freezer failing while we were on holiday. And the price went up by nearly 50%. And we have virtually no choice of insurer because thatched.
I'd certainly read all the small print very carefully, especially about extended trips. The conditions in the attachment on #Vansflyer's post specifically says that the longer trip upgrade doesn't cover winter sports - does that mean even if you only ski for one week in a two month holiday?

 

[PHCAS]

Hmmm
The old policy covered motorcycle holidays if it was your bike ridden from home, but excluded hire bikes >125cc.
New policy does not seem to have any motorcycle exclusion unless I've missed it?

Also no cover hazardous sports, which we always upgraded.

Always been happy with old cover One claim, hassle free, and they even covered us driving a tuktuk (aka auto rickshaw) 1200km across southern india without charge.

No perfect cover is there?

Old cover was limted to owned bikes <200cc. I suspect Aviva cover is the same...,

 

[Vansflyer]

Old cover was limted to owned bikes <200cc. I suspect Aviva cover is the same...,

I rang UK Insurance about this when a member (Mr Mousy ?) found out they only covered bikes up to 125cc when on holiday. If you start the trip on your bigger than 125CC bike then there is no limit on cc whilst away. I argued that made no sense and they agreed but the Underwriters wouldn't budge. So all the times we have been away with the KTM 790 we have been reliant on the motorcycle insurance covering our potential medical bill. Pop over to France, Germany etc on our GS and we are covered.... madness. My Mrs agrees and she is a retired underwriter!

 

[Spriddler]

found out they only covered bikes up to 125cc when on holiday. If you start the trip on your bigger than 125CC bike then there is no limit on cc whilst away.

It may be because people hire motorbikes and they are often ridden by infrequent riders or those who have rarely (if ever) ridden a motorbike so they give you just enough to cover you when riding the hired ride-on leaf blower types with small engine capacity.

 

[Lenny HB]

I was not aware that you had to have a return booked before going, surley the 31 days multi trip means that if you stay longer then you are not covered , the same as any period of cover, if you stay longer your not covered.

If you are going for more than 31 days should have paid the option to extend the trip time same as you would have the old policy.

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[Vansflyer]

It may be because people hire motorbikes and they are often ridden by infrequent riders or those who have rarely (if ever) ridden a motorbike so they give you just enough to cover you when riding the hired ride-on leaf blower types with small engine capacity.

Indeed. Exclusion clauses also stated that you must be wearing the correct safety equipment so shorts and T shirt = no medical cover. Despite me looking less like a Adonis and more like Mr Blobby every year, I like the skin that is on my body as it is so wear all the gear even if just popping out on the bike so issues with the correct clothing clause.

 

[Chris51]

I rang NW up a bit ago about our Flexplus travel ins and asked about the change of providers for travel ins...was told they would contact me on renewal ( May) as they didnt know what would be covered yet by them (Aviva)

 

[The Coops]

Just to put some peoples minds at rest re pre and existing medical conditions.

Mrs Emmit was diagnosed with Lymphoma in 2022.
When renewing our NW Flex Travel Insurance in early 2023, we were told that UK Insurance
would not cover her should a reoccurence of the malady occur. That put her in the same position
as TwistNShout's wife, (above)

Cut to this years renewal.

They have removed the restriction on her cover for Lymphoma because, "It has been more than 12 months
since you were given the 'remission' date for your Lymphoma"

So, coming out of that as it applies to Mrs Twistnshout, she might find that, whilst she will not be covered for
illnesses and events arising out of her Cardioinversion right now, in a years time, she might find that as far as she
is concerned, she becomes an 'acceptable' customer once more.

As a Postcript Mrs Emmit's contribution to the Annual payment of the NW Insurance is £64, this AFTER
having NH Lymphoma.

Cooperative bank worth checking

Only covers up to 3500kgs GVM so no use if over that weight, underwritten by RAC as well, seem to recollect tale of woe last year with RAC service or lack of!

 

[Chris51]

Only covers up to 3500kgs GVM so no use if over that weight, underwritten by RAC as well, seem to recollect tale of woe last year with RAC service or lack of!

I had breakdown with motorbike and AA turned up after numerous phone calls 4 hrs later....complete fiasco ...

 

[busby]

Indeed. Exclusion clauses also stated that you must be wearing the correct safety equipment so shorts and T shirt = no medical cover. Despite me looking less like a Adonis and more like Mr Blobby every year, I like the skin that is on my body as it is so wear all the gear even if just popping out on the bike so issues with the correct clothing clause.

How would they know what clothing you have on if you have an accident abroad??Ring the doctor that treats you and ask?BUSBY.

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[Spriddler]

Indeed. Exclusion clauses also stated that you must be wearing the correct safety equipment so shorts and T shirt = no medical cover. Despite me looking less like a Adonis and more like Mr Blobby every year, I like the skin that is on my body as it is so wear all the gear even if just popping out on the bike so issues with the correct clothing clause.

When I and a couple of biker chums had a Lads' Week on Gran Canaria we hired leaf blowers and they were quite fun but we did scrape them underneath fair bit on the twisty mountain roads.

 

[Vansflyer]

How would they know what clothing you have on if you have an accident abroad??Ring the doctor that treats you and ask?BUSBY.

No idea but it is in the small print. Pretty obvious from any injuries at a guess as well. A 30 mph slide with the gear on should leave you with just bruising as long as you don't hit anything, no gear and wearing a smile you will leave a load of skin behind.

 

[activecampers]

Old cover was limted to owned bikes <200cc. I suspect Aviva cover is the same...,

Not quite - it was max of 125cc if hired, but if you left home on it then whatever you could ride on your license. I've rung them many times to confirm, and even had driving a tuktuk (auto rickshaw) across india covered (but thats classed as a 3 wheel vehicle, not a motorbike).
If you've spoken to them and heard otherwise then let me know as every conversation I've had, and the paperwork, says if you leave home on a motorbike you are fine. (Last trip last year on a 650cc around France)

 

[kev54]

The current annual extended trip upgrade is paid once a year and as a result we can presently do up to 90 days per trip, as many times as we can fit it in. One payment - multiple trips. The new terms mean you have to declare every trip individually with departure and return dates, and presumably pay for extensions for each trip over 31 days (all our trips!) which we don't have to do at the moment. It's a very significant change in terms for longer trips

That's a good spot Skez . I'm just about to upgrade our trip cover from 70 to 90 days. This trip will run over our renewal date (June 15th) - already slightly complicated with the change to Aviva on May 1st. However, I had not spotted the consequence of having to declare every trip in a year separately could mean paying every trip - another note for the conversation.
Gain £65 on the over-70 age upgrade - lose it on the swings! Humph!

 

[Orion]

That's a good spot Skez . I'm just about to upgrade our trip cover from 70 to 90 days. This trip will run over our renewal date (June 15th) - already slightly complicated with the change to Aviva on May 1st. However, I had not spotted the consequence of having to declare every trip in a year separately could mean paying every trip - another note for the conversation.
Gain £65 on the over-70 age upgrade - lose it on the swings! Humph!

I’m sort of in the same boat. Our current Nationwide age and trip extensions expire on 2nd April, two days before we return to Blighty. I contacted their current provider UK Insurance to ask about extending the cover and was informed that I could only renew it for a full 12 months and that could only be done within 30 days of the expiry.

I now have the predicament of either taking a chance and letting it expire - our next trip is after the changeover to Aviva - or renewing for the full 12 months and gambling that the saving on the age extension wouldn’t have covered our other planned journey extensions required for the next 12 months. Decisions, decisions.

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