Nationwide FlexPlus fee hiked to £18/month from December

lr1277

Nebulous2 said:

lr1277 said:

I looked a bit further into the travel insurance.

If there is a pandemic declared anywhere and either you are told not to travel or choose not travel, then you are not covered.

If you are diagnosed with a condition that is not covered, then you are not covered at all even if your other conditions are in the covered list.

Also if you can't travel because of the condition of somebody not in the travelling party, but is part of your life, then you are not covered.

I haven't bought travel insurance in a long time so I don't know if these are now standard conditions.

Didn't look into the exclusions on the other types of insurance offered.

Can you confirm - are you referring to Nationwide, Lloyds, or both? 

I was looking into the Lloyds Platinum product.

Albermarle

Fingerbobs said:

35har1old said:

The cost of having this account will increase to £18 pound 

What account are you referring to? I've had a FlexAccount for 24 years and it has always been free.

The OP is presumably referring to the Flex Plus account .
They would have been better posting here.
Budgeting & bank accounts — MoneySavingExpert Forum

Albermarle

Also if you can't travel because of the condition of somebody not in the travelling party, but is part of your life, then you are not covered.

I have just claimed successfully for that exact situation ( with LV=) 

Gers

lr1277 said:

Also if you can't travel because of the condition of somebody not in the travelling party, but is part of your life, then you are not covered.

Correction - Lloyds - you may not is not the same as not covered.

WillPS

There's an extensive thread about this already on the Banking board:
https://forums.moneysavingexpert.com/discussion/6552273/nationwide-flexplus-fee-hiked-to-18-month-from-december/p1

lr1277

Gers said:

lr1277 said:

Also if you can't travel because of the condition of somebody not in the travelling party, but is part of your life, then you are not covered.

Correction - Lloyds - you may not is not the same as not covered.

Fair point. And you are free to take that risk.

Kim_13

That's a fair enough term - it reads as though if you would be covered if not aware of the condition when booking. They might, at their discretion, pay for certain cases when the condition was known (cases where it would have been reasonable to expect a slower progression, perhaps.)

Absolute coverage where a condition is known is going to come at an increased cost, probably leaving a limited number of providers.

Albermarle

Kim_13 said:

That's a fair enough term - it reads as though if you would be covered if not aware of the condition when booking. They might, at their discretion, pay for certain cases when the condition was known (cases where it would have been reasonable to expect a slower progression, perhaps.)

Absolute coverage where a condition is known is going to come at an increased cost, probably leaving a limited number of providers.

With us the family member involved ( who was not booked on the holiday) had various medical issues, but the one that meant that we had to cancel our holiday came out of the blue, and the insurance paid up when sent the required paperwork. 

35har1old

lr1277 said:

I looked a bit further into the travel insurance.

If there is a pandemic declared anywhere and either you are told not to travel or choose not travel, then you are not covered.

If you are diagnosed with a condition that is not covered, then you are not covered at all even if your other conditions are in the covered list.

Also if you can't travel because of the condition of somebody not in the travelling party, but is part of your life, then you are not covered.

I haven't bought travel insurance in a long time so I don't know if these are now standard conditions.

Didn't look into the exclusions on the other types of insurance offered.

If your condition is not covered in the list you then have to inform them to access the condition they may cover for free or a supplement.
Just for a example one of the conditions on the Lloyds list (high blood pressure) you would have to do a medical assessment if you where with Nationwide (UK insurance)

harz99

35har1old said:

lr1277 said:

I looked a bit further into the travel insurance.

If there is a pandemic declared anywhere and either you are told not to travel or choose not travel, then you are not covered.

If you are diagnosed with a condition that is not covered, then you are not covered at all even if your other conditions are in the covered list.

Also if you can't travel because of the condition of somebody not in the travelling party, but is part of your life, then you are not covered.

I haven't bought travel insurance in a long time so I don't know if these are now standard conditions.

Didn't look into the exclusions on the other types of insurance offered.

If your condition is not covered in the list you then have to inform them to access the condition they may cover for free or a supplement.
Just for a example one of the conditions on the Lloyds list (high blood pressure) you would have to do a medical assessment if you where with Nationwide (UK insurance)

Nationwide Flexplus insurance is now with Aviva not UKI.