Nationwide FlexPlus vs Co-op Everyday Extra benefits

lon_don

We have a joint NW Flex Plus account (£18/m). Breakdown cover and travel insurance are most important to us, mobile/gadget cover a bit less.
If we switch to joint Co-op Everyday Extra (£12/m) what do we lose ? From what I can gather from a very quick check on MSE, the benefits are pretty similar. The devil must be in the t&c details (that I will have to read), but just in case somebody has done the switch I'd love to hear your experience.

grumpy_codger

For some (not much) information on travel insurances see this recent thread - Travel insurance - Aviva (Nationwide FlexPlus), pre-existing conditions

dnpark38

If you have existing health conditions that NW will cover make sure the Co-Op will too.

lon_don

Luckily no preexisting health conditions, and (also luckily) still well below 79

AI says the Co-op breakdown cover won't work if I'm just a passenger in any car contrary to Nationwide Flex Plus. I don't think I've ever used this benefit (riding in someone's car and it breaks down and that person does not have their own breakdown cover).

dnpark38

@lon_don

If your happy with NW just stick with the devil you know as they say.

subjecttocontract

https://forums.moneysavingexpert.com/discussion/comment/82110087#Comment_82110087

CoOp vehicle breakdown cover is a personal breakdown cover for the named account holder(s) not the vehicle. So I suspect your AI information is wrong.

lon_don

https://forums.moneysavingexpert.com/discussion/comment/82110101#Comment_82110101

You are not wrong. But then saving £6 x 12 = £72/yr for practically the same benefits with very little extra work (since we are now both Co-op customers after the recent switch offer) does not look bad either. We just need to be more vigilant next year to get the NW £100 Fairer Share (having the Flex Plus made qualifying very easy) so a bit more work there.

bagand96

Your AI answer is wrong...

RAC UK & European Breakdown Cover

Covers you in any vehicle you’re travelling in, at the roadside, in the UK and Europe. Helping you get to where you need to be.

Benefits of our Everyday Extra bank account

35har1old

https://forums.moneysavingexpert.com/discussion/comment/82110007#Comment_82110007

I found the Nationwide provider wanting to charge for pre existing condition and Co-op didn't

Asfar i am aware the Nationwide provider doesn't have a list of medical conditions that ypu don't have to declare where as the Co-op does

Nebulous2

I've found that the packaged bank accounts need a fair bit of work in comparing the benefits.

We need European Cover, and Nationwide and Coop were the main contenders. I eventually concluded that Coop matched our needs better and applied.

AI may be useful to summarise - but I like to read all the terms and conditions for myself.

It was a nice bonus when they dropped the price from £18 to £12.

It was even better calling my breakdown provider to let them know we wouldn't be renewing…