Nationwide travel insurance

glentoran99

BoGoF wrote: »

The telephone call would be the advance warning?

I'm taking it they were telling him he didn't qualify for it in the first place rather than saying its been cancelled


Perhaps the OP could confirm have you ever got a letter confirming your travel insurance?






FlexAccount travel insurance eligibility criteria

If you'd like the Travel Insurance, you'll need to meet the following eligibility criteria by 30 September 2017


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How to confirm your travel insurance:
Once you qualify for free travel insurance we will send you a FlexAccount Travel Cover Eligibility Declaration to read, complete and return to us by 31 October 2017.
If you don't return your declaration by this date you won't be able to benefit from the Travel Insurance.
Your cover will not start until you receive your Certificate of Insurance - we’ll send this to you within two weeks of receiving your completed FlexAccount Travel Cover Eligibility Declaration.

Tea_Pea_Dee

moneyistooshorttomention wrote: »

Quick google later - and thanks - that clarifies, as they say "every month" and not "every calendar month".

So I am paying in over £750 "per month":D.

Sorted:D

I don't think it is sorted. From their terms and conditions page:

Meaning of words and expressions

In these conditions the following words and expressions have the following meanings:
'Agreement' means these terms and conditions and any additional conditions applying to your account.
'Card' means a card we may issue on your account.
'Month' means a calendar month.
'Our/us/we' means Nationwide Building Society, Head Office, Nationwide House, Pipers Way, Swindon, Wiltshire, SN38 1NW.
'PIN' means the Personal Identification Number to be used with a card.
'Working day' means Monday to Friday, excluding Saturday, Sunday and Bank Holidays.
You/your' means the account holder(s).

To clear up any ambiguity, you need to ring them on 0800 30 20 11

Kim_13

Tea_Pea_Dee wrote: »

I don't think it is sorted. From their terms and conditions page:

Meaning of words and expressions

In these conditions the following words and expressions have the following meanings:
'Agreement' means these terms and conditions and any additional conditions applying to your account.
'Card' means a card we may issue on your account.
'Month' means a calendar month.
'Our/us/we' means Nationwide Building Society, Head Office, Nationwide House, Pipers Way, Swindon, Wiltshire, SN38 1NW.
'PIN' means the Personal Identification Number to be used with a card.
'Working day' means Monday to Friday, excluding Saturday, Sunday and Bank Holidays.
You/your' means the account holder(s).

To clear up any ambiguity, you need to ring them on 0800 30 20 11

Indeed.

It may not be possible to re-qualify for the insurance, since it's something that's no longer on offer and only honoured for existing customers.

If you can get the insurance back again provided the funding requirement is met, you'll need to either move the payment to the middle of the month as you suggested, or do a Faster Payment from a non-Nationwide account to your FlexAccount for the amount that that calendar month's payments are short of £750. It won't be every month that you need to do it (from your post only the ones where the last day isn't a working day) and you can move the money straight back again elsewhere.

If you have the Flexclusive Regular Saver, £750 per calendar month is also required unless you also have a FlexDirect (or one of the other accounts that qualifies without monthly funding) open.

moneyistooshorttomention

BoGoF wrote: »

The telephone call would be the advance warning?

No - it wasnt.

I was the one that made the call to them - asking when I'd get the letter due from them soon confirming cover for the next year. I have the letter confirming cover for this current year.

So I am an "existing customer" that has it already and was just playing safe about making sure I get the letter confirming I've got next years cover okay.

Sounds like they might be being a bit "tricky" and trying not to give this cover to new customers - so it's as well I have the confirmation I am "existing customer".

Blinkin' nuisance to achieve precisely nothing - other than keeping the status quo - but I've sent off an email to my pension provider to clarify they wouldnt charge me for changing the date they pay me each month.

glentoran99

Tea_Pea_Dee wrote: »

To clear up any ambiguity,

I don't see where there is Ambiguity, The OP says he doesn't put £750 in every calendar month, Nationwide have told him he doesn't qualify because he didn't put in £750 in,


Nationwide terms define month as calendar month

glentoran99

moneyistooshorttomention wrote: »

No - it wasnt.

I was the one that made the call to them - asking when I'd get the letter due from them soon confirming cover for the next year. I have the letter confirming cover for this current year.

So I am an "existing customer" that has it already and was just playing safe about making sure I get the letter confirming I've got next years cover okay.

Sounds like they might be being a bit "tricky" and trying not to give this cover to new customers - so it's as well I have the confirmation I am "existing customer".

Blinkin' nuisance to achieve precisely nothing - other than keeping the status quo - but I've sent off an email to my pension provider to clarify they wouldnt charge me for changing the date they pay me each month.

I think you've missed the boat,

"If you'd like the Travel Insurance, you'll need to meet the following eligibility criteria by 30 September 2017"

so presumambly you didn't meet the £750 for the 3 consecutive months previous

moneyistooshorttomention

As I read it - that was for new people taking on an account. I've got an existing account (had it for years).

glentoran99

moneyistooshorttomention wrote: »

As I read it - that was for new people taking on an account. I've got an existing account (had it for years).

I hope you can get sorted, but on the main page it says

FlexAccount Travel Insurance is only available to existing FlexAccount customers who applied for their FlexAccount before 15 December 2016 and meet the eligibility criteria by 30 September 2017

BoGoF

I don't think they will change the pension pay date, they probably do a monthly run for everyone.

Other option is to open a non Nationwide account, stick £1000 in there and transfer this in/out when you need to

moneyistooshorttomention

UPDATE:
Latest phonecall with Nationwide is I'm going to get my insurance cover letter for next year okay - despite the technicality.

From comments with both people I've spoken with on this - as an ex civil servant I've interpreted those comments as "Some of us are jobsworths and will 'go by the book' and might choose to cancel on a technicality. Others of us want to do our job properly and won't do so. Best to deal with changing your "pension payday" to earlier in the month - in case you come up against one of our resident jobsworths".

I know that's how things used to work/doubtless still do work in the civil service. There were those of us trying to do our jobs decently - and then there were the jobsworths that looked for and quoted every single rule. So I guess big organisations also have both types....:cool:

Fortunately I didnt get the latter type.