O/T Holiday insurance tip

[Christies Child]

Instead of forking out for specialised holiday insurance cover, check with your bank that it's included as part of your account.

If it is, then make use of it, 'cause it's certainly worth it and has far better coverage than some you have to pay a premium for.

On the one occassion we had to use it to get us back to the UK from Barbados due to a family bereavement, they were excellent in arranging everything for us regarding flights and transport back home from Gatwick.

The policy covers practically all eventualities and even loss of your holiday due to Swine Flu I understand.

[Sammy h]

Presumably you pay a fee for your bank account though? It wouldn't just be included in a normal current account?

[Christies Child]

No bank charges provided I keep in credit

[Sammy h]

Is it full holiday insurance?

[nobbyshrimp]

I have a Barclays account but it costs me £14/month but I have to say that it overall saves me a fortune. My partner and I recently opened a joint account with Barclays and subsequently changed my benefits to the joint account so that now we both get all the benefits but only pay one fee of £14/month which includes comprehensive worldwide family travel insurance, Car breakdown cover with RAC (including homestart), mobile phone insurance etc etc. As I said with it being a joint account and joint benefits the RAC cover both our cars etc etc.

[Christies Child]

Is it full holiday insurance?

Yes.
Full holiday insurance.

NatWest Gold Account.

[nobbyshrimp]

Is it full holiday insurance?

Yes.
Full holiday insurance.

NatWest Gold Account.

Thought that was a monthly charge of around £13??

[Splodge]

Yep - £12.95

Though probably not bad value if you travel a lot. HSBC offer a similar account with travel insurance as well as breakdown cover and other bits and pieces; I think for a similar price.

[nobbyshrimp]

Barclays (either single or joint account) £14

Worldwide Family Travel Insurance (excellent cover).
Normally: £211 included
Legal and Tax helpline
Normally: £20 included
Extended Warranty cover
Mobile phone insurance

RAC Comprehensive breakdown cover
Normally £244.63 included

Cardholder protection
Will-writing service incl Inheritance Tax Brochure
Normally: £120 included
Identity theft support helpline

Total equivalent value

£794.51
Annual cost (£14 x 12)

£168
Total potential annual savings

£626.51

but get a joint account and save twice as much

[Gnasher]

Presumably you pay a fee for your bank account though? It wouldn't just be included in a normal current account?

Smile do a similar deal, european car breakdown cover, travel insurance, experian credit checking account and 20% off their own home insurance. Switching mortgage to Smile, it also removes the £995 admin fee. In the last few months my £26 paid to date has saved me about £1200 of direct costs.

www.smile.co.uk

[SPARK]

http://www.moneysavingexpert.com/

I save a fortune using the tips on this site

[Sammy h]

www.ybonline.co.uk

£10 a month, very similar to the barclays one that was mentioned, that Natwest one has shocked me though being absolutely free, there must be some sort of catch?

[Plain Peter]

Worldwide Family Travel Insurance (excellent cover).

Skiing, extreme sports??