Clydesdale signature account travel insurance

M0ney

Worldwide family multi-trip travel insurance policy (excluding Afghanistan, Cuba, Liberia and Sudan) is underwritten by AIG Europe Limited. You and all persons insured must have lived in the UK or Channel Islands for at least 6 of the last 12 months before opening the Signature Current Account for cover to be available and continue to hold this status to remain eligible. AIG Europe Limited (FCA No 202628) is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

The above text is the only T & Cs I've been able to find on this...

What I was planning on doing was upgrading my account to the signature account shortly before going on holiday.

I've not actually been on a foreign holiday since 2008 so just wanted to ask advice on whether this is a good idea.

I'm going to the USA with my partner and 2 young children.
Could someone direct me to the full T & Cs if possible?

My main questions are;

Would we all be covered by this?

If so, how long would I have had to have the current account before travelling to the USA? (We are going in June).

If this is all OK would I be able to downgrade my CA to the Current Account Direct shortly after returning so to avoid being stuck with the fee?

If there is anything else anyone would like to point out here I'd welcome the advice.

Thanks in advance.

M0ney

You have been reported ponyee.

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Can I have it by WU?

YorkshireBoy

Not sure how you missed it, but there's a 31 page "key facts and policy wording" document on their website. Scroll down towards the bottom of the Signature account page and there it is, under "Downloads".

M0ney

OK here come the excuses; Full of the cold, been staring at a screen too long, a bit tired and it's a smallish link. But thanks for spelling it out for me.

Any further opinions would be appreciated.

colsten

M0ney wrote: »

Any further opinions would be appreciated.

My opinion is you should read what's on the link YorkshireBoy kindly looked up for you. If I were you, I would also confirm I actually have the cover that I want with the provider of the cover.

YorkshireBoy

M0ney wrote: »

Any further opinions would be appreciated.

On what?...value for money? Better options available elsewhere? Whether you'd be better not upgrading and simply applying for the Signature account as a standalone product?


Because all 3 of your "main questions" are answered in the respective T&Cs...the first two in the document I linked to, and the last one in the Signature account T&Cs.

Stuart107

M0ney wrote: »

If so, how long would I have had to have the current account before travelling to the USA? (We are going in June).

Ideally you would want the travel insurance from the date you booked the holiday (esp. the cancellation insurance!) rather than the date of departure.

M0ney

Thanks Stuart, I've been reading up on travel insurance a bit more thoroughly today and I realise that ideally I would take the policy out sooner rather than later. Luckily none of us have become ill yet so I won't waste much more time before I do get us covered.

YorkshireBoy, just if anyone had any suggestions or advice in general, it's the first time in a long time I've been abroad on holiday and the first time ever with my family, many times not too long ago with work and for that of course I didn't have to worry my employer covered me.

Thanks very much for the input so far.