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Benefits of our Everyday Extra bank account

Our current account gives you more. Get a package of extras including mobile phone insurance, worldwide travel insurance, and UK & European breakdown cover, all for just £12 per month.

AXA logo | RAC logo | LSG logo

AXA worldwide travel insurance

Covers you, your spouse or partner (if you’re travelling with them) and dependent children up to 22 years old, even when they’re travelling independently, with no excesses to pay on claims.

  • Personal accident & event of death - If you have an accident during your trip which causes a permanent disability, or results in your death, we'll pay you or your legal representative £25,000 where relevant, and cover medical expenses and repatriation costs of up to £10,000,000.
  • Delayed luggage - If your luggage is lost, we’ll try to locate it for you. We’ll also pay for the replacement of clothing, medication and toiletries if your luggage is delayed on an outward journey, and isn’t returned within 12 hours. This includes covering the cost of accidental loss, theft, or damage to sports equipment, such as ski or golf equipment.
  • UK holidays are covered too - You'll be covered for UK getaways if you've pre-booked, and paid for, at least two nights’ accommodation. Some benefits are not available for trips solely within the United Kingdom.

We want you to get the most from your policy and to do this you should:

  • read your policy wording and make sure you're covered for the sort of losses/incidents you think might happen.
  • make sure that you understand the exclusions and conditions which apply to your policy because if you do not meet these conditions, it may affect any claim you make.

Exclusions:

  • Any claims arising from an undeclared medical condition.
  • A medical condition for which you are travelling with the intention of obtaining medical treatment (including surgery or investigation) or advice outside of the United Kingdom.
  • A medical condition you have in respect of which a medical practitioner has advised you not to travel or would have done so had you sought his/her advice.
  • Any trip that exceeds 45 continuous days and does not begin and end in the United Kingdom.
  • Any claims which directly or indirectly arise due to war, terrorism or other hostile actions or if the Foreign, Commonwealth & Development Office (FCDO) advise against all travel or all but essential travel in relation to war, terrorism or a pandemic.
  • Being denied boarding due to your inability to provide a valid passport, visa or other documentation required by the public transport operator or their handling agents.

Worldwide family travel insurance is underwritten by Inter Partner Assistance S.A.

For a full picture of what's covered, and what's excluded from these policies, please read through the travel insurance policy document (PDF).

Check eligibility criteria for an Everyday Extra account

RAC UK & European Breakdown Cover

Covers you in any vehicle you’re travelling in, at the roadside, in the UK and Europe. Helping you get to where you need to be.

  • Roadside - We'll help to repair your vehicle if it breaks down on the roadside in the UK. If we can't repair your vehicle at the roadside, we'll take the vehicle and passengers to a safe place, up to 10 miles away. Whether that's a local garage, or home - it's your choice!
  • Recovery - If we can't repair your vehicle, we'll arrange transport of the vehicle, you, and your passengers to a single location.
  • At Home - we can help if you break down at home.
  • Onward Travel - If your vehicle can't be repaired on the day you break down, we'll either arrange you a hire car, alternative transport, or an overnight hotel.
  • European Cover - If you breakdown in Europe, we’ll send help to fix your vehicle at the roadside. Or we’ll get you to a garage and pay for an initial inspection to identify the fault. You’ll get English speaking support throughout the process.

Exclusions:

  • This covers the account holders as a driver or a passenger in a car, light van, motorhome, motorcycle (49cc pr over), or minibus that are less than:
    • 3.5 tonnes
    • 2.55 metres wide
    • no more than 17 seats, including the driver, if the vehicle is a minibus.
  • This covers an event that happens that stops the vehicle being driven. This must be because of a mechanical failure (such as if your car won’t start) or an electrical failure (for example, loss of power). This also includes flat tyres, locking your keys in the vehicle and running out of fuel or charge. We don’t consider it a breakdown if the vehicle can’t be driven because of:
    • a road-traffic collision
    • fire, flood, theft
    • acts of vandalism, or
    • any driver-induced fault. (This is any fault caused by the driver of the vehicle, accidentally or on purpose. It includes any key related issue other than locking your keys in your vehicle or filling your car with the wrong fuel).
  • Vehicles must be:
    • registered in the UK
    • insured and have valid road tax (not SORN)
    • have a valid MOT (unless legally exempt)
    • not used for public or private hire, the carriage of good for hire and reward, demonstration purposes or carrying trade plates.
  • There is a limit of three European callouts per 12-month period.

For a full picture of what's covered, and what's excluded from these policies, please read through the breakdown cover policy document (PDF).

Check eligibility criteria for an Everyday Extra account

LSG mobile phone insurance

Covers loss, theft, accidental damage, water damage and electrical or mechanical breakdown, anywhere in the world. A £75 excess is payable for every accepted claim and must be paid before the claim is settled.

  • Lost, stolen or broken? - It’s covered Your mobile phone and SIM card are covered up to the value of £2,000 if they’re lost, stolen or damaged.
  • Family Cover - Mobile phones covered can be owned by you or your family member (a family member is your partner or spouse, or any relative who lives at the same address as you). Please note – proof of ownership may need to be provided in the event of a claim.
  • Unauthorised calls, texts & data - We'll cover the cost of any calls, texts or data that’s used when your phone is lost or stolen.
  • Your accessories are protected - If your accessories (including headphones) are lost, stolen or damaged, along with your mobile phone, we’ll cover up to £350 of the cost.

Exclusions:

  • Any incident where you have knowingly put your mobile phone at risk or not taken care of it. Further details are available in the policy document.

For a full picture of what's covered, and what's excluded from these policies, please read through the mobile phone insurance policy document (PDF).

Check eligibility criteria for an Everyday Extra account

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