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Packaged bank accounts: Travel Insurance
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surreysaver
Posts: 4,807 Forumite


I'm doing a couple of trips over the summer. Looking at travel insurance, and a year's policy is about £200.
I can get a packaged current account for £10pm including travel insurance. I can't see anything stopping my upgrading one of my accounts and then downgrading it again after I've done my trips. Is there anything I'm missing that should prevent me, or suggest I shouldn't do this?
I can get a packaged current account for £10pm including travel insurance. I can't see anything stopping my upgrading one of my accounts and then downgrading it again after I've done my trips. Is there anything I'm missing that should prevent me, or suggest I shouldn't do this?
I consider myself to be a male feminist. Is that allowed?
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Comments
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You would be within your rights to downgrade at any point as far as I can see. All packaged accounts vary with respect to level of cover on travel insurance, so the cheapest ones will usually be restricted to European travel.1
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Check if there's an age limit. Many of them won't cover anyone over 70 and also anyone with any serious health conditions. I've recently cancelled ours even though they would cover me at 66 but not my OH at 64 due to various health issues. It was then cheaper for the 2 of us to get a policy which would cover the OH's issues rather than us having separate policies. Plus making a claim would have been more complicated.
Otherwise it's very much like getting any other travel insurance - check you're happy with the T&Cs. I quite agree that it's a cheaper option generally but again - check if there's anything re how long you have the policy if you need to claim (before and after).I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe, Old Style Money Saving and Pensions boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
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surreysaver said:I'm doing a couple of trips over the summer. Looking at travel insurance, and a year's policy is about £200.
I can get a packaged current account for £10pm including travel insurance. I can't see anything stopping my upgrading one of my accounts and then downgrading it again after I've done my trips. Is there anything I'm missing that should prevent me, or suggest I shouldn't do this?1 -
eskbanker said:surreysaver said:I'm doing a couple of trips over the summer. Looking at travel insurance, and a year's policy is about £200.
I can get a packaged current account for £10pm including travel insurance. I can't see anything stopping my upgrading one of my accounts and then downgrading it again after I've done my trips. Is there anything I'm missing that should prevent me, or suggest I shouldn't do this?
We're under the various age limits and nothing that would require any other complications. All UK/European travel, so nothing particularly that warrants special conditionsI consider myself to be a male feminist. Is that allowed?0 -
surreysaver said:eskbanker said:surreysaver said:I'm doing a couple of trips over the summer. Looking at travel insurance, and a year's policy is about £200.
I can get a packaged current account for £10pm including travel insurance. I can't see anything stopping my upgrading one of my accounts and then downgrading it again after I've done my trips. Is there anything I'm missing that should prevent me, or suggest I shouldn't do this?
We're under the various age limits and nothing that would require any other complications. All UK/European travel, so nothing particularly that warrants special conditions1 -
OP might like to read this
https://forums.moneysavingexpert.com/discussion/6531392/unethical-co-op-everyday-extra-packaged-travel-insurance-no-longer-fit-for-purpose/p1
Life in the slow lane1 -
eskbanker said:surreysaver said:I'm doing a couple of trips over the summer. Looking at travel insurance, and a year's policy is about £200.
I can get a packaged current account for £10pm including travel insurance. I can't see anything stopping my upgrading one of my accounts and then downgrading it again after I've done my trips. Is there anything I'm missing that should prevent me, or suggest I shouldn't do this?
I found recently when looking at pricing for a month long trip an annual policy was slightly cheaper than a single trip. That was with the same company.0 -
eskbanker said:surreysaver said:eskbanker said:surreysaver said:I'm doing a couple of trips over the summer. Looking at travel insurance, and a year's policy is about £200.
I can get a packaged current account for £10pm including travel insurance. I can't see anything stopping my upgrading one of my accounts and then downgrading it again after I've done my trips. Is there anything I'm missing that should prevent me, or suggest I shouldn't do this?
We're under the various age limits and nothing that would require any other complications. All UK/European travel, so nothing particularly that warrants special conditionsI consider myself to be a male feminist. Is that allowed?0
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