Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
Page 1
  • MrSilk
    • #2
    • 20th Nov 12, 9:51 PM
    • #2
    • 20th Nov 12, 9:51 PM
    For value for money, I'd recommend the NatWest Select Silver account, for what you get it's definitely worth it.

    http://www.natwest.com/personal/current-accounts/g1/select-silver-account.ashx
  • Mendac
    • #3
    • 21st Nov 12, 3:24 AM
    • #3
    • 21st Nov 12, 3:24 AM
    I tried the new Packaged Account Analyser Tool as I have RAC breakdown cover inc recovery at 79.50 and annual WW family insurance (excl USA/Canada) at 25.59 (yes 25.59! I found that family cover was cheaper than a for a a single traveller). Total 105.09. The tool suggests that these would cost 160 & suggest a string of accounts, to save me money, but each of these would cost more than I'm currently paying. USE WITH CARE!
  • opinions4u
    • #4
    • 21st Nov 12, 6:37 AM
    • #4
    • 21st Nov 12, 6:37 AM
    Borderline on value.

    Main benefits appear to be breakdown cover - I'd expect to pay 60 a year buying privately.

    Holiday insurance - I'd expect to pay around 40 a trip for a family or 60 for an annual policy.

    Mobile phone cover - I wouldn't normally insure my phone and it's not often new for old cover and tends to have a big excess for iPhone.

    Home Emergecy Cover - Would cost around 50 a year as part of home insurance. Bank account policy tends to cover slightly less.

    Bank cost: 180 a year. Best value extracted from a joint account I'd suggest.

    I prefer to get 60 in rewards off Halifax and buy my own insurances. But there is a convenience in not having to bother.
  • sbutton
    • #5
    • 21st Nov 12, 8:05 AM
    watch out for winter sports cover!
    • #5
    • 21st Nov 12, 8:05 AM
    I've been thinking of switching to co-op, but they only cover up to 100 for a single item and there's a 50 excess. Hardly worth it.

    Do you know how much it would cost to replace a lost or stolen snowboard or pair of skis? Of course, you do everything you can to protect them but it's not unheard of (i.e. pretty common) for someone to break into (or just tail gate) the locker room in a hotel, and steal some equipment.

    With Lloyds (much more expensive for the same cover) I've been able to top up the winter cover for about 30 IIRC.

    Mobile cover is also not what it used to be. Had to claim for a broken iPhone screen last year, it it took them weeks to replace the screen. They did not replace the whole phone like the used to.
  • grannyjo
    • #6
    • 21st Nov 12, 8:29 AM
    halifax rewards
    • #6
    • 21st Nov 12, 8:29 AM
    I get 5 a month on the rewards ordinary account. To change to their special account costs 15 reduced to 10. By putting it in the tables at 10 a month is a bit misleading.
    where did the above reader get ww travel insurance for 25- sounds good
  • jarussell1966
    • #7
    • 21st Nov 12, 1:43 PM
    re
    • #7
    • 21st Nov 12, 1:43 PM
    In reading about cover for mobile phones would this mean i would not get a new phone to replace my 2 year old sony w995 non-smartphone, im not sure i would be happy in getting a second hand replacement?
  • jan18
    • #8
    • 21st Nov 12, 1:54 PM
    • #8
    • 21st Nov 12, 1:54 PM
    I already have a Nationwide Flexaccount so I thought maybe I should get my monthly deposits paid into it and use it as a current account so I qualified for the free annual travel insurance. I did as you suggested and rang for medical screening as one of my kids has a medical condition (Cystic Fibrosis - CF) and it appears that this is an automatic decline. Can't pay extra/top up or anything to get this condition covered. Good news is that at least they were quick to tell me this and didn't force me to spend 30 minutes having to enter all our details before saying they did not provide travel insurance cover for CF.
  • jan18
    • #9
    • 21st Nov 12, 1:56 PM
    • #9
    • 21st Nov 12, 1:56 PM
    If anyone knows a good packaged account to use which will cover cystic fibrosis for annual travel insuranceplease do let me know!
  • jpbamford
    I have Barclays Premier Life account costs me 17.50 pm (not 29), and Overdraft of nor than the 1000 free is 14.9% not 19.3%.
    I've got stacks of extended warranties, and claimed a few time too - it covers accidental damage too - with great service (not mentioned in the Account Analyser!). Both our cars covered by RAC (used that too when battery went flat!). Never had to use the travel insurance (touches wood...), but use our airport lounge access credits for our summer holiday.
    Also get free entry to English Heritage and Royal Academy (also not mentioned in the Analyser). Cards covered with CPP now not card secure.
    All together great value I think.
  • cheapskatemac
    cheapskatemac
    I have a motorhome so breakdown cover needs to cover that my current Natwest Black account does but Co-op Premier has lower limits on vehicle dimensions (90mm in length) so I am still searching for a better deal
    Cover for breakdown in europe for just the motorhome is 180.

    The devil is in the detail
  • Alanem
    None of them declare their position on pre existing medical conditions until you phone..then you are told they're not interested. I've still got cover with Santander Premier account for 12 per month. I pay 5 per year for my problems but I'd love to go elsewhere.
  • platterfish
    I have a halifax reward account and a halifax ultimate reward.

    I use my ultimate reward as my main account paying in over 1000 a month so i get the rewards for 10 a month. I then transfer 1000 to my rewards account (which i only use for this purpose) which takes about 1 minute there and back, to get the free fiver. I usually see this as me paying 5 quid a month for my travel insurance, galaxy s3 insurance and RAC.. works for me :-)
  • realaledrinker
    Happy with smilemore, mainly as we have a joint account, so:

    2 x RAC homestart
    Worldwide family travel insurance (USA most years)
    4 x mobiles insurance
    2 x Experian access

    As said above, horses for courses.

    I have also been naughty in the past when needing the travel cover only, by switching in/out of the packaged account for only a month or two at a time.
    Ethical moneysaver
  • Chris-W
    I've had the Natwest advantage gold account from it's inception. Only recently did I need to use any of the so-called 'benefits'.

    First, I broke down 100 miles away from home. Recovery was a joke, it only covers you for a 10 mile tow, they wanted 600 to get home. I got the car towed to a friends house, they dealt with a garage while I got a train home, then back, at 65 a time. It would have been cheaper to buy a full RAC package, which is exactly what I did afterwards.

    Then, I lost my mobile phone. They wanted proof of delivery to myself from over two years ago. I don't keep rubbish like that. They also wanted a 'certificate of barring' which the phone company hasn't even heard of.

    I went straight to the bank and got my account changed to a free one. I don't trust the other policies, particularly the travel insurance, which if they hide anything in the small print could leave me many thousands of pounds out of pocket and other potential serious issues.

    Check the small print, Natwest can't be trusted to tell it how it really is.
  • mrchiggles
    I have Barclays Premier Life account costs me 17.50 pm (not 29), and Overdraft of nor than the 1000 free is 14.9% not 19.3%.
    I've got stacks of extended warranties, and claimed a few time too - it covers accidental damage too - with great service (not mentioned in the Account Analyser!). Both our cars covered by RAC (used that too when battery went flat!). Never had to use the travel insurance (touches wood...), but use our airport lounge access credits for our summer holiday.
    Also get free entry to English Heritage and Royal Academy (also not mentioned in the Analyser). Cards covered with CPP now not card secure.
    All together great value I think.
    Originally posted by jpbamford
    I have this too, it's very good value if you use it. They don't sell it anymore though so the tool is right that to get similar sorts of benefits now you have to spend a lot more - let's hope they don't withdraw it from existing customers!

    I didn't know about the extended warranty covering accidental damage - we replaced our whole kitchen so put the lot on the warranty so will bear that in mind if the young mrchiggles decides to sit on the dishwasher door again!
  • ernie-money
    First Direct's First Directory doesn't show up - it's 12 per month, but only 9 for the first year, regardless whether it's a sole account or joint, so for 9 for a joint account you get worldwide travel insurance for the whole family, cover for two mobile phones and roadside breakdown cover. I think that's fair value...
  • parkview094
    RBS Royalties Gold
    I've been with the RBS for the past few years now and the Royalties Gold package at 12.95 a month seems to pay for it's-self for me..

    The top 2 features for me are:

    1. 25% off concert /theatre tickets which seems to almost cover the annual cost on it's own.

    2. The travel service which at 10% off brings them broadly into-line with the various cashback offerings on-line, but has the advantage of being sold as a 'package' holiday. 10% off airfares can also be quite a saver..

    I've never had cause to use the travel insurance, but the mobile phone insurance paid out for me pretty painlessly when I lost my iPhone and their home emergency cover replaced our central heating pump without hassle when it packed up last weekend.

    So.. if you go to gigs/the theatre or travel a lot, it's worth looking into IMHO
    • Savvy_Sue
    • By Savvy_Sue 22nd Nov 12, 8:45 PM
    • 35,332 Posts
    • 31,367 Thanks
    Savvy_Sue
    I already have a Nationwide Flexaccount so I thought maybe I should get my monthly deposits paid into it and use it as a current account so I qualified for the free annual travel insurance. I did as you suggested and rang for medical screening as one of my kids has a medical condition (Cystic Fibrosis - CF) and it appears that this is an automatic decline. Can't pay extra/top up or anything to get this condition covered. Good news is that at least they were quick to tell me this and didn't force me to spend 30 minutes having to enter all our details before saying they did not provide travel insurance cover for CF.
    Originally posted by jan18
    I wouldn't hold your breath, but it COULD be worth phoning the other banks and asking.

    I also have a Flexaccount and phoned to ask about the insurance: I think they didn't like some of DH's conditions, but would have covered him if we'd paid extra. This is after I'd found our previous travel insurer wanted to charge more for me - I'd had a catastrophic shoulder shattering incident not long beforehand plus a few ongoing health issues.

    Smile works for us, although they won't cover you if there's anything under investigation. So DH was briefly without any cover while he waited for an endoscopy: fortunately nothing sinister was found so again, no extra charge.
    I'm a Board Guide on the Cutting Tax; Charities; Small Biz & Charity Organisers; and Silver Savers boards, which means I'm a volunteer to help the boards run smoothly, and I can move and merge threads there. However, do remember, Board Guides don't read every post. If you spot an inappropriate or illegal post then please report it to forumteam@moneysavingexpert.com. It is not part of my role to deal with reportable posts.

    Any views are mine and are not the official line of moneysavingexpert.com

    New to the Forum? Why not watch the Guide?

    Why did I think knitting would be relaxing?
  • ernie-money
    I've been with the RBS for the past few years now and the Royalties Gold package at 12.95 a month seems to pay for it's-self for me..

    The top 2 features for me are:

    1. 25% off concert /theatre tickets which seems to almost cover the annual cost on it's own.

    2. The travel service which at 10% off brings them broadly into-line with the various cashback offerings on-line, but has the advantage of being sold as a 'package' holiday. 10% off airfares can also be quite a saver..

    I've never had cause to use the travel insurance, but the mobile phone insurance paid out for me pretty painlessly when I lost my iPhone and their home emergency cover replaced our central heating pump without hassle when it packed up last weekend.

    So.. if you go to gigs/the theatre or travel a lot, it's worth looking into IMHO
    Originally posted by parkview094
    Sounds good, but no longer available to new customers...
Welcome to our new Forum!

Our aim's to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

4,824Posts Today

7,045Users online

Martin's Twitter
  • RT @MoneySavingExp: Hi folks - the site will be down from 10pm tonight until 8am tomorrow while we re-charge the batteries with some behind?

  • Uk dominating world long jump.Who'd have thought it. Kathy Cook's British 200m record about to go I think. #Beijing2015

  • RT @MoneySavingExp: If you're affected by the #HSBC payments glitch, here's what you need to do (more to follow, when we get it): http://t.?

  • Follow Martin