Nationwide Flex-Plus... changing travel insurance provider.

TheBanker

SevenOfNine said:

KaMelo, afraid I haven't had time to answer what I considered to be superfluous questions! I had already said N/W had forgotten to mention 75+ limitation to single trip & 80+ limitation to no insurance at all. N/W supplied their +, = & - the Aviva policy is there for all to check etc. You looked & can see no mention of age declaration in it. Correct.

In the policy Aviva go to great pains to ensure health declarations may not be accepted, they don't mention age declarations, as N/W have confirmed, it's not longer required............as a DECLARATION!  I simply didn't take that at face value. 

I'm surprised it wasn't clear to you what I did next for confirmation.  Personally I check everything, just as everyone else can. What Aviva do when I instigated a quote enquiry on-line, is ask for age of travelers, crafty.

When it was clear 1 traveler would be 76, I had my fictional multi-trip request rejected & pop-up stating "single trip only for over 75". So I amended the request to single trip insurance which was accepted but accompanied with an advisor pop-up stating  "no insurance available for over 80s.

It appears an age declaration is there, disguised as DoB input. 

Now, it's possible that a policy via N/W with Aviva as provider may have age barriers completely removed.  Different to what is on offer with Aviva's external direct customers.

I'd say it's almost certain that the Nationwide policy differs from Aviva's standard direct to customer offer. The bank I work for has white labelled insurance products, and although they are underwritten and administered by an insurer, we negotiate the level of cover we want our customers to be offered, the prices we want them to be charged and, as a function of the two, the commission we'll receive.If the policy documentation supplied by Nationwide does not mention age exclusions, then it's fair to assume there are no age exclusions. Perhaps Nationwide have negotiated for their older customers to be included, in the knoweldge that they have a lot of loyal older customers who value the benefit. Nationwide do, after all, seem to have plenty of cash at the moment so I'm sure they could afford to cover the additional cost.

kaMelo

SevenOfNine said:

KaMelo, afraid I haven't had time to answer what I considered to be superfluous questions! I had already said N/W had forgotten to mention 75+ limitation to single trip & 80+ limitation to no insurance at all. N/W supplied their +, = & - the Aviva policy is there for all to check etc. You looked & can see no mention of age declaration in it. Correct.

In the policy Aviva go to great pains to ensure health declarations may not be accepted, they don't mention age declarations, as N/W have confirmed, it's not longer required............as a DECLARATION!  I simply didn't take that at face value. 

I'm surprised it wasn't clear to you what I did next for confirmation.  Personally I check everything, just as everyone else can. What Aviva do when I instigated a quote enquiry on-line, is ask for age of travelers, crafty.

When it was clear 1 traveler would be 76, I had my fictional multi-trip request rejected & pop-up stating "single trip only for over 75". So I amended the request to single trip insurance which was accepted but accompanied with an advisor pop-up stating  "no insurance available for over 80s.

It appears an age declaration is there, disguised as DoB input. 

Now, it's possible that a policy via N/W with Aviva as provider may have age barriers completely removed.  Different to what is on offer with Aviva's external direct customers.

Knowing whether there is any age restrictions on a travel insurance policy is not 'superfluous'  it a fundamental piece of information to know in deciding whether a policy meets your needs or not. Despite the Nationwide/Aviva policy document having no mention of an upper age limit you stated;
NO worldwide insurance with Aviva for over 75, only single trip. With NO insurance AT ALL for over 80.

Of course I had assumed you had got this information from a dummy quote for a policy directly from Aviva, I even mentioned this, but rather than relying on an assumption I thought it was better to seek clarity as to where you got this information from. Now we have the clarity in that it was indeed a policy direct from Aviva you were talking about.

Given Nationwide's customer base I too wouldn't be surprised if, like @TheBanker mentioned,  this is something specifically negotiated by Nationwide, I'm sure there are other differences too however I haven't read the policy documents side by side to establish what, if any, they are.

samkma

I am travelling for 32 days (33 if the return date is included) I am looking at travel insurance quotes for a couple and they have gone up considerably, Nationwide FlexPlus travel insurance seems to be a good option as I have 2 more trips booked this year. There is a clause saying it only covers travel for upto 31 days. I quote "You're covered for a trip that lasts up to 31 days as standard. If you're planning a longer trip, then you can pay to upgrade your cover.

The cost of this depends on the length of your trip"

Does anyone know how much extra it costs? Any alternatives?

comeandgo

Yes, we extended our trip to 13 weeks to Australia and New Zealand and my husband is over 70, I can’t remember exactly but it was about £130 extra.  You are only extending by a few days, you can phone and ask prior to taking anything out.

badger09

We extended our NWFP Annual Worldwide travel insurance in August last year to cover a 35 day trip. It cost additional £12.08 
Husband over 75, I’m over 70, both with several health conditions covered. 

SevenOfNine

Nationwide are changing their travel insurance provider to Aviva. There are a lot of plus, minus, equals, changes they've identified on their site here. https://www.nationwide.co.uk/current-accounts/flexplus/travel-insurance-changes/

35har1old

Nationwide announced change of travel insurance provider from 01-05-24 
But they can't tell you if you have a preexisting medical condition that is covered currently with no surcharge if this will be the case with the new provider 
To make a informed decisions about  containing to pay the fee you need this information 
I know there is other insurances included with this account but I consider the travel insurance to be the main benefit 
When they changed the breakdown insurance to the AA i found the response time to be poor and a friend actually got me on my way before they had responded and so i cancelled the callout
.

Middle_of_the_Road

More related discussion in earlier thread-

Nationwide Flex-Plus... changing travel insurance provider. — MoneySavingExpert Forum

35har1old

kaMelo said:

SevenOfNine said:

KaMelo, afraid I haven't had time to answer what I considered to be superfluous questions! I had already said N/W had forgotten to mention 75+ limitation to single trip & 80+ limitation to no insurance at all. N/W supplied their +, = & - the Aviva policy is there for all to check etc. You looked & can see no mention of age declaration in it. Correct.

In the policy Aviva go to great pains to ensure health declarations may not be accepted, they don't mention age declarations, as N/W have confirmed, it's not longer required............as a DECLARATION!  I simply didn't take that at face value. 

I'm surprised it wasn't clear to you what I did next for confirmation.  Personally I check everything, just as everyone else can. What Aviva do when I instigated a quote enquiry on-line, is ask for age of travelers, crafty.

When it was clear 1 traveler would be 76, I had my fictional multi-trip request rejected & pop-up stating "single trip only for over 75". So I amended the request to single trip insurance which was accepted but accompanied with an advisor pop-up stating  "no insurance available for over 80s.

It appears an age declaration is there, disguised as DoB input. 

Now, it's possible that a policy via N/W with Aviva as provider may have age barriers completely removed.  Different to what is on offer with Aviva's external direct customers.

Knowing whether there is any age restrictions on a travel insurance policy is not 'superfluous'  it a fundamental piece of information to know in deciding whether a policy meets your needs or not. Despite the Nationwide/Aviva policy document having no mention of an upper age limit you stated;
NO worldwide insurance with Aviva for over 75, only single trip. With NO insurance AT ALL for over 80.

Of course I had assumed you had got this information from a dummy quote for a policy directly from Aviva, I even mentioned this, but rather than relying on an assumption I thought it was better to seek clarity as to where you got this information from. Now we have the clarity in that it was indeed a policy direct from Aviva you were talking about.

Given Nationwide's customer base I too wouldn't be surprised if, like @TheBanker mentioned,  this is something specifically negotiated by Nationwide, I'm sure there are other differences too however I haven't read the policy documents side by side to establish what, if any, they are.

Those that pay for a upgrade will not change until renewal date but those that have disclosed a pre existing medical condition but there is no charge made currently.
Cannot find out until the 01-05-24 if this is going to change if you knew the facts you could make a informed decisions to stay are go now

gwapenut

I was told by UKI tonight that my no-charge medical upgrade will mean my insurance stays with them until this time next year, when it will transfer to Aviva