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http://www.natwest.com/personal/current-accounts/g1/select-silver-account.ashx
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.
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.
where did the above reader get ww travel insurance for £25- sounds good
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.
Cover for breakdown in europe for just the motorhome is £180.
The devil is in the detail