FlexPlus
Current Account
An at-a-glance summary
of your added features
We hope you enjoy making the most of the range of
features that your Nationwide FlexPlus current account
has to offer. This summary has been designed to give
you an overview of the various insurance policies and
other added features included with your account.
It’s your copy to keep so please take some time to read
through in order to understand what you are and are
not covered for. Where we make reference to a section
(for example Section A), this is the relevant section of
the guide or policy document where you can find the
full details. Don’t forget you can find copies of all your
account documentation at nationwide.co.uk/downloads
Contents:
Insurance products:
 Summary – FlexPlus Insurance Products page 4
 UK & European Breakdown and Recovery Assistance
page 7
 Worldwide Family Mobile Phone Insurance
page 11
 Extended Warranty Protection
page 13
 Worldwide Family Travel Insurance
page 15
Other services:
 Identity Theft Assistance
page 23
 Worldwide Emergency Card Assistance
page 23
General information:
 General Conditions & Information
2
page 24
3
This is a high level summary of the cover provided under the Nationwide FlexPlus current account.
For the full terms, conditions and exclusions please refer to your policy guide or policy documents.
It is important that you read your guide and policy documents carefully as they contain important
information that you will need to be aware of in the event of a claim.
If you have existing insurance policies elsewhere that give you the same cover, you’ll need to consider
whether you may be paying for duplicate cover.
UK & European Breakdown and Recovery Assistance
underwritten by Liverpool Victoria Insurance Company Limited
Key features
Main exclusions or limitations
• UK and European breakdown assistance for
account holder(s) in any vehicle, registered in
the UK, that they are travelling in
• Cover for anyone driving a UK registered
vehicle registered to the account holder and
which is being used with his/her permission.
Where the account is in joint names then up
to 2 vehicles can be covered
• Assistance provided at home and at
the roadside with national recovery and
onward travel
• No call out limit
• No excess to pay
The following are not covered:
• The cost of replacement parts and associated labour to repair
the vehicle
• Vehicles not registered to the account holder(s) unless the account
holder(s) are in the vehicle at the time of the breakdown and when
the breakdown professional arrives
• Vehicles being used for hire and reward purposes (such as taxis)
• Vehicles that do not have a valid MOT, any applicable vehicle tax, or
are not serviced or maintained in line with manufacturer guidelines
• Vehicles must not exceed any of the following dimensions when
fully loaded:
– Caravans and trailers - 8 metres in length (including A-frame)
– Motorhomes - 8 metres in length or 7.5 tonnes in weight
– All other vehicles - 7 metres in length, 2.3 metres in width,
3 metres in height or 3.5 tonnes in weight
(Please see Section B of the policy document, for further details
on vehicle eligibility)
• Vehicles not registered in the UK
Worldwide Family Mobile Phone Insurance
provided by London General Insurance Company Limited
4
Key features
Main exclusions or limitations
• Worldwide cover for:
– mobile phones owned by the account
holder(s) or the responsibility of Family
members up to a value of £1,000
(including VAT) per claim
– loss or theft, damage, breakdown
(including faults)
– unauthorised network charges (calls,
data etc.) and accessories (limits apply
please refer to Section A of the Policy
Document)
• Both contract and pay-as-you-go phones
are covered
• Upfront registration is not essential, although
it may help to simplify the claims process
• A maximum of 2 claims allowed per FlexPlus current account in a
12 month period
• Excesses apply
Loss or theft
Damage or Breakdown
Apple £100
Apple £50
Other £50
Other £25
• Proof of ownership will be required to claim including a till receipt
or documentation from your network provider
• Police should be notified of loss or theft as soon as possible and a
reference number obtained before we can approve a claim
• Contact your network provider as soon as possible to bar your SIM
card. If you make a successful loss or theft claim unauthorised
network charges are only covered up to 24 hours after discovery of
the incident up to the policy limits
Extended Warranty Protection
provided by London General Insurance Company Limited
Key features
Main exclusions or limitations
• Additional 12 months warranty to repair
household electrical goods following
electrical or mechanical breakdown. If repair
is not possible the item will be replaced or
settlement made
• Warranty begins immediately upon expiry of
the standard manufacturer’s 12 or 24 month
warranty
• Unlimited number of qualifying appliances
covered (see Section 3A for more information)
• Qualifying appliances purchased from new
up to 12 months prior to opening the FlexPlus
current account are covered
• No excess payable
• Upfront registration not required
• Proof of purchase must be supplied when claiming. This could be
the till receipt, or similar, that details the appliance purchased, the
date and method of purchase. Purchases must be made by you by
debit or credit card
• Accidental and malicious damage is not covered
• Only the appliance types defined in the qualifying list are covered
(see Section 3A for more information)
• Appliances bought more than 12 months before opening the
account will not be covered
• Appliances purchased new for less than £50 or over £2,000 are
not covered
• A total claim limit of £10,000 every 12 months applies
Summary
FlexPlus Insurance Products
Worldwide Family Travel Insurance
provided by U K Insurance Limited
Key features
Main exclusions or limitations
• Worldwide cover for your family including:
winter sports trips, golf, wedding and
business all included as standard
• Cover for travel disruption caused by
weather, ash clouds or airline/travel
company failure
• Cancellation cover is included for up to
£5,000 per insured person
• Cover for additional expenses, including
food, if transport is delayed by 4 hours or
more
• Lost or stolen baggage, costs associated
with obtaining key travel documents
(e.g. passports) and cash is covered
(limits apply)
• Cover for up to 31 days per trip
• An annual premium of £50 (rate correct at 02/12/2015) is payable
per account before you are eligible to claim on any booked trips for
account holders and insured parties aged 75 years or over. You are
not eligible to claim until you have paid this premium
• £50 excess per person payable on claim (see conditions)
• Trips must start and end in the UK. Trips in the UK
must be more than 25 miles from your home and be for 2 or more
nights in duration. Trips outside the UK must be no more than
31 days, unless extended journey cover has been purchased.
UK trips must also be in a commercially run premises that doesn’t
belong to a friend or family member
• Reasons for claim known before opening the account or booking
a trip will not be covered. This includes claims relating to medical
conditions (suffered by you, your immediate family or a travelling
companion unless declared and accepted by us). For example,
claims for cancellation will not be covered where illness of a close
relative was known before booking the trip
• Dependent children are not covered unless travelling with an
account holder or on a trip organised by their school or a
recognised organisation
5
To ensure that you get the most out of your Nationwide FlexPlus current account it is important that you
understand your ongoing eligibility to claim. Below are a series of questions to help you understand your
eligibility to claim on the insurance policies. These are a guide to help you understand your / your family’s
eligibility, if you are in any doubt as to the eligibility of any of the insured parties you must contact the insurer
on 0800 11 88 55.
Please also consider all parties that would be covered by the insurance policies. The main exclusions,
limitations and eligibility requirements will also apply to the second account holder or family members that you
want covered by the policies.
UK & European Breakdown
and Recovery Assistance – Policy Summary
Statement of demands and needs
You have not been provided with any personal recommendations or advice as to whether the Nationwide
FlexPlus current account is suitable for your needs. This product meets the demands and needs of those
who wish to insure both themselves and their vehicle for breakdown cover within the UK and Europe.
Breakdown
It is important that you understand your ongoing eligibility to
claim on the insurance policies:
Please do not cancel any existing cover you have until you have read the full terms and conditions
in the policy document and you are satisfied that this policy meets your needs.
®
Insurance Eligibility:
After reading the main exclusions and limitations on page 4 and 5, are you (your family where
appropriate) eligible to claim on the:
• UK & European Breakdown and Recovery Assistance
Yes
No
• Worldwide Family Mobile Phone Insurance
Yes
No
• Extended Warranty Protection
Yes
No
• Worldwide Family Travel Insurance
Yes
No
Type of insurance and cover
This policy will cover the Nationwide FlexPlus current account holder(s), and anyone driving a vehicle
registered to them with their permission, for breakdown and recovery assistance while in the UK and
those countries specified in Section D (UK & European Assist) of the policy document.
Existing medical conditions are excluded on the travel insurance, unless you have confirmation of cover
from the insurer. If you / your family would answer “Yes” to any of the questions below you will need to
contact the insurer immediately:
Have you had any inpatient (overnight) hospital treatment in the last 12 months or are
you awaiting treatment?
Yes
No
Have you been prescribed medication (including repeat prescriptions) in the last
12 months (whether taking it or not) for anything other than colds, flu, HRT and
contraception (pill)?
Yes
No
Have you had any heart or cancer related conditions in the last 12 months?
Yes
No
Are you aged 75 or over? Please note that an annual premium of £50 is payable per account before you
are eligible to claim on any booked trips for account holders and insured parties aged 75 years or over.*
If you are aged 75 or over, you are not eligible to claim until you have paid the additional premium.
*Limitations and exclusions apply.
6
Definitions
We/our/us means Liverpool Victoria Insurance Company Limited and where the context dictates,
Liverpool Victoria Insurance Company Limited trading as Britannia Rescue.
Who provides my insurance cover?
This policy is underwritten by Liverpool Victoria Insurance Company Limited trading as Britannia Rescue.
Liverpool Victoria Insurance Company Limited, registered in England and Wales Number 3232514. is
authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and
the Prudential Regulation Authority register number 202965. Registered address: County Gates,
Bournemouth BH1 2NF. Tel: 0800 756 8828.
For the purpose of us providing this insurance cover, Nationwide will provide us with information about you,
including your name and address. We will only use your information to provide the insurance cover and will
not use it for anything else.
The main features, benefits and exclusions of the policy are set out in the table on pages 8-9, which includes
cross references to the relevant sections of the policy document. The policy document has the full details of the
features, benefits and exclusions including those not listed here.
7
8
Benefits
Cover limits
Main exclusions and conditions
Benefits
Cover limits
Main exclusions and conditions
Section A
&
Section B
Introduction
to Britannia
Rescue
Breakdown
Policies &
Vehicles
Page 5
This policy will cover the Nationwide
FlexPlus current account holder(s) for
breakdown and recovery assistance at
the roadside and at their home address
or the normal place of garaging
Account holders are covered in any UK
registered vehicle whether as a driver
or a passenger
The following are not covered:
• Vehicles being used for hire and reward purposes
(such as taxis)
• Vehicles that do not have a valid MOT, any applicable
vehicle tax, or are not serviced or maintained in line with
manufacturer guidelines
• Vehicles must not exceed any of the following dimensions
when fully loaded:
– Caravans and trailers - 8 metres in length (including
A-frame)
– Motorhomes - 8 metres in length or 7.5 tonnes in weight
– All other vehicles - 7 metres in length, 2.3 metres in
width, 3 metres in height or 3.5 tonnes in weight
(Please see Section B of the policy document, for further
details on vehicle eligibility)
• Any costs associated with the breakdown of vehicles not
registered to the account holder(s) unless the account
holder(s) are in the vehicle at the time of the breakdown
and when the breakdown professional arrives
• Vehicles being used in sporting events or practice for such
events will not be covered
• Vehicles which were unroadworthy or were broken down
before your policy began
• Vehicles not registered in the UK
• We reserve the right not to provide assistance and to cancel
your policy if you:
• Fail to repair the vehicle following a call out for the same
problem
• Knowingly use the vehicle when a fault has been
identified
• Fail to service and maintain the vehicle in line with
manufacturer guidelines
• Fail to tax the vehicle if required by law
• Fail to obtain a valid MOT certificate if required by law
• Fail to tax the vehicle if required by law
• Fail to maintain the vehicle in a roadworthy condition
• Use or attempt to use the service where the vehicle is not
registered to the Nationwide FlexPlus current account
holder(s) unless the account holder(s) are in the vehicle
at the time of the breakdown and when the breakdown
professional arrives
Section C
UK Recovery
& Home
Assist
Page 6
Help at the roadside or at your
home address or the normal place
of garaging if your vehicle suffers a
breakdown
• Recovery to a local place of repair if
repair is not possible at your home
address or the normal place of
garaging or within a 1/4 of a mile of
your home address or the normal
place of garaging
• If the breakdown occurs at least
a 1/4 of a mile from your home
address or the normal place of
garaging and the vehicle cannot be
repaired by the end of the working
day, we’ll provide recovery to a
destination of your choice anywhere
in the UK
• If your vehicle cannot be repaired by
the end of the working day on which
the breakdown occurred, and you
decide not to be recovered you can
choose one of the following benefits;
A hire car (up to 1600cc) for 48
hours, alternative transport costs
up to a maximum of £100 in total
or overnight accommodation up
to £60 per person to a maximum
of £500
• The cost of one single rail fare to
enable the driver to collect the
vehicle once repaired
• A relief driver if the only driver of the
vehicle falls ill or suffers an injury
that prevents them from driving
In addition to anything included in the Service limitations and
exclusions section of this policy (see Section F of the Policy
Document):
• You must contact your motor insurer in the event of
accidental damage, theft or vandalism before we agree to
provide assistance
• The cost of all parts or supplies used or provided to repair
your vehicle
• You are responsible for any costs where wheels or tyres
need to be supplied because your vehicle is not carrying a
legal or serviceable spare wheel or tyre
• You are responsible for any costs where specialist
equipment is needed to move your vehicle into a position
where we can try to repair or transport it. Any vehicle or
equipment other than a standard recovery vehicle would
be considered specialist. All costs relating to the use of
specialist equipment must be paid directly to the agent by
you at the time of recovery
• We will not pay any costs or accept any responsibility for
services we have not arranged
• Any fines, penalties, tolls or unclamping charges you
have to pay. We will pay any toll fees if your vehicle is
being recovered at the time by one of our breakdown
professionals
• All labour charges unless covered or agreed by us
• You are responsible for our costs if you employ someone
else to repair or recover your vehicle after calling us for
assistance
• Where you agree for repairs to be conducted by our
breakdown professionals at their premises; we are not
responsible for the quality of repairs they undertake.
The agreement to conduct repairs is solely between you
and the breakdown professional
Section D
UK &
European
Assist
Page 9
All the benefits of UK Recovery & Home
Assist plus:
European Cover (Countries included
within the geographical limits in
Section D of the Policy Document)
– including cover before you travel,
missed Motorail connections,
transporting your vehicle home and
loss of use of the vehicle while abroad
In addition to anything included in the Service limitations
and exclusions section of this policy (see Section F of the
Policy Document):
• We will only repatriate a vehicle to the UK if repairs
cannot be completed by the date of your return journey
to the UK
• Any hire vehicle provided is subject to the individual hire
company’s availability
It also provides cover for a UK
registered vehicle registered to the
account holder and being used with
their permission. Where the account
is in joint names 2 vehicles can be
covered
9
Actions you will need to take
Summary
Description
Step One:
You should report your breakdown as soon as you can:
Breakdown in the UK: 0800 587 7100
Breakdown in the Republic of Ireland: 1800 806176
Breakdown in Europe only +44 (0) 1202 311431 (Mobile phone rates may vary)
TextDirect for the hearing impaired call 18001 when in the UK
+44 (0) 151 494 1260 when in the ROI or Europe
Motorway SOS boxes
• If you break down on a motorway, try to use one of the emergency phones which you will
find every mile on the hard shoulder.
• Please do not use these numbers for any calls that are not about your breakdown cover.
• Do not contact our breakdown professional or any other breakdown professional directly.
To help improve customer service all calls are monitored and recorded
Step Two:
Things you need to quote when calling for breakdown assistance:
• The registration number, make, model and colour of your vehicle
• Exact details of where you are, the phone number you’re calling from and the problem
with your vehicle
• If you have personal cover, (i.e. if you are a Nationwide FlexPlus current account holder
and are asking for help for a vehicle that is not registered to you), you must give your
name as shown on your account, along with your home address, and tell us the make,
model and registration number of the vehicle you are travelling in when you call
• If you are not the Nationwide FlexPlus current account holder and you are asking for
help for a vehicle that is registered to the account holder(s) and you have been given
permission by the Nationwide FlexPlus current account holder(s) to use the vehicle
you must give your full name, the full name of the Nationwide FlexPlus current account
holder(s), along with their home address and date of birth. You should also tell us the
make, model and registration number of the vehicle when you call
Worldwide Family Mobile Phone Insurance –
Policy Summary
Statement of demands and needs
You have not been provided with any personal recommendations or advice as to whether the Nationwide
FlexPlus current account is suitable for your needs. This product meets the demands and needs of those who
wish to insure their mobiles for loss or theft, damage, and breakdown (including faults). Please do not cancel
any existing cover you have until you have read the full terms and conditions in the policy document and you
are satisfied that this policy meets your needs.
Mobile Phone Insurance
How to obtain breakdown assistance
Type of insurance and cover
This policy provides Mobile Phone Insurance to eligible Nationwide FlexPlus current account holder(s) and
their Family, for so long as they are eligible for the additional optional benefits available. Family include you,
your partner/spouse and all children (including legally adopted, foster and step children) of the account
holder who have not reached the age of 19 or not reached the age of 22 if in full time education, living at the
home address and are unmarried or have not entered into a Civil Partnership.
We will cover dependent children who do not reside permanently (or for the majority of the time) with
the account holder, providing the child(ren) reside permanently with the other parent for the remainder
of the time.
Duration of this Policy
This insurance is provided as a benefit of your Nationwide FlexPlus current account and the cost is included
in the monthly fee you pay for this account.
Definitions
We/our/us means Lifestyle Services Group Limited and all our agents.
Who provides my insurance cover?
This policy is arranged and administered by Lifestyle Services Group Limited (Financial Services Register
No.315245) with a single provider London General Insurance Company Limited (Financial Services Register
No. 202689). London General Insurance Company Limited is registered in England No. 1865673.
Registered Office: Integra House, Floor 2, Vicarage Road, Egham, Surrey TW20 9JZ. Authorised by the
Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential
Regulation Authority.
Lifestyle Services Group Limited is registered in England, No.5114385. Registered Office: Assurant House,
6-12 Victoria Street, Windsor, Berkshire SL4 1EN. Authorised and regulated by the Financial Conduct
Authority in respect of insurance mediation activity only. For the purpose of us supplying this insurance cover,
Nationwide will provide us with information about you, including your name and address. We will only use
your information to provide the insurance cover and will not use it for anything else.
The features, benefits and exclusions of the policy are set out in the table on page 12, which includes cross
references to the relevant sections of the policy document. The policy itself has full details of the features,
benefits and exclusions as well as those not listed here.
10
11
Policy limits
(inc VAT)
Loss
Page 7
Theft
Page 7
Damage
Page 7
Breakdown (including faults)
Page 7
Excess
Apple £100
Non-Apple £50
£1,000
(including VAT)
per claim
Apple £50
Non-Apple £25
Unauthorised call charges
(Contract)
Page 8
Unauthorised call charges
(Pay-As-You-Go)
Page 8
Accessories
Page 8
£2,000 per claim
£250 per claim
£250 per claim
Main exclusions and conditions
• You are covered for a maximum of two
successful claims per account in any 12
month period
• If more than one phone is involved in
one incident, each phone will be treated
as a separate claim and subject to the
appropriate excess
• Proof of ownership will be required to claim
• Police should be notified of loss or theft as
soon as possible and a reference number
obtained before we can approve a claim
• Contact your network provider as soon as
possible to bar your SIM card, unauthorised
network charges are only covered up to 24
hours after discovery of the incident up to
the policy limits
We cannot cover
• Any incident involving the mobile phone
where you have not taken care of your
mobile phone. Full details can be found
in the full terms and conditions on what
is deemed by not taking care of your
mobile phone.
• Any claim for incidents or events not
described in the “What is/isn’t covered”
section on page 7 of the policy document
• Claims for unauthorised charges or
accessories are only covered in conjunction
with a successful mobile phone claim
• No additional excess is payable when
claiming for accessories and/or
unauthorised charges
Extended Warranty Protection –
Policy Summary
Statement of demands and needs
You have not been provided with any personal recommendations or advice as to whether the Nationwide
FlexPlus current account is suitable for your needs. This product meets the demands and needs of those who
wish to extend the warranty by 12 months for qualifying appliances or for equipment purchased by you on
your credit or debit card. Please see the list on page 14, for a list of eligible products.
Please do not cancel any existing cover you have until you have read the full terms and conditions in the policy
document and you are satisfied that this policy meets your needs.
Type of insurance and cover
This policy provides Extended Warranty Protection to eligible Nationwide FlexPlus Current Account Holder(s),
for as long as they are eligible. Details of if you are eligible can be found in the Policy Document.
Duration of this Policy
This insurance is provided as a benefit of your Nationwide FlexPlus current account and the cost is included
in the monthly fee you pay for this account.
Definitions
We/our/us means Lifestyle Services Group Limited and all our agents.
What do I do if I need to make a claim?
Who provides my insurance cover?
Actions you will need to take on loss, theft, breakdown or damage to a mobile phone:
This policy is arranged and administered by Lifestyle Services Group Limited, authorised and regulated by the
Financial Conduct Authority and underwritten by London General Insurance Company Limited, authorised
by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential
Regulation Authority.
Action required upon discovery of the incident
Call your airtime provider to bar your SIM card as soon as possible. Doing this will prevent any further unauthorised
network usage (calls, data etc.). We only cover unauthorised calls up to the policy limits for the 24 hours after you notice
the phone missing, so it is important you do this as soon as possible to avoid further charges. (Loss & theft claims only)
Report the incident to the Police as soon as you can and obtain an incident reference number. If the police won’t provide
you with an incident reference number, please make a note of the station and the badge number of the officer you spoke to.
(Loss & theft claims only)
Tell us about a claim as soon as you can. We expect you to tell us about any claim as soon as possible and within
30 days of discovery of the loss, theft, breakdown or damage. You can log your claim online or by telephone
www.nationwide.lifestyleservicesgroup.co.uk/mobile
Or
UK number: 0800 11 88 55 International number: +44 1793 541 200
Lines are open Monday – Friday 8am – 8pm and Saturday and Sunday 9am – 6pm
12
Extended Warranty
Benefits
Lifestyle Services Group Limited Registered Office: Assurant House, 6-12 Victoria Street, Windsor, Berkshire
SL4 1EN. Registered in England, No. 5114385. London General Insurance Company Limited (LGI) Registered
Office: Integra House, Floor 2, Vicarage Road, Egham, Surrey TW20 9JZ. Registered in England, No. 1865673.
Nationwide will provide us with information about you, including your name and address. We will only use
your information to provide the insurance cover and will not use it for anything else.
The features, benefits and exclusions of the policy are set out in the table on page 14, which includes cross
references to the relevant sections of the policy document. The policy itself has full details of the features,
benefits and exclusions as well as those not listed here.
13
Benefits
Policy limits
Main exclusions and conditions
• Extended warranty for
Protection
up to 12 months after the
against the cost
manufacturers standard
of electrical or
1 or 2 year guarantee
mechanical
expires
breakdown
• Unlimited number of
Page 6 of the
qualifying appliances
policy document
covered
• Cover up to £2,000 per
claim
• Maximum claim of up to
£10,000 per 12 month
period
• Claims must be supported with a valid proof of purchase
• All appliances must be purchased as new
We can not cover:
• Appliances or equipment costing less than £50 or more than
£2,000
• Food spoilage costs associated with refrigeration or freezing
appliances breaking down
• Any appliance or equipment not purchased by you on a credit or
debit card in your name or purchased longer than 12 months prior
to you opening your FlexPlus account
• Electrical or mechanical breakdown costs where they are still
covered elsewhere by any manufacturer’s, supplier’s or repairer’s
guarantee
• Any costs you may incur to dispose of your original appliance or
equipment
• Any theft, attempted theft, accidental or malicious damage
occurring to any appliance or equipment or damage caused by fire
or explosion
• Appliances purchased outside of the UK or Isle of Man
• Appliances purchased from internet auction websites
Eligible products
You can cover any number of the appliances in the list below subject to the claims limits as stated.
Worldwide Family Travel Insurance –
Policy Summary
Statement of demands and needs
You have not been provided with any personal recommendations or advice as to whether the Nationwide
FlexPlus current account is suitable for your needs. This product meets the demands and needs of those who
wish to insure their travel arrangements. Please do not cancel any existing cover you have until you have read
the full terms and conditions in the policy document and you are satisfied that this policy meets your needs.
Type of insurance and cover
This policy provides multi-trip travel cover for trips worldwide of up to 31 days to eligible Nationwide FlexPlus
current account holders and their immediate family members, for so long as they are eligible with additional
optional benefits available. Immediate family member: you, your partner / spouse and dependent children who
live at the same address as the account holder(s). To be covered any dependent children must not have reached
the age of 19 (or 22 if in full time education) and be neither married nor in a civil partnership.
Only the following appliances are eligible for Extended Warranty Cover:
• Extractor fan
• Food blender / juicer
• Fridge, freezer or fridge-freezer
•Iron
• Microwave oven
• Steam iron / steam mop
•Toaster
• Washing machine, tumble dryer or
washer dryer
• Vacuum cleaner
• Wine cooler
• Digital TV receiver excluding
Sky boxes
• Tablet / E-book reader
• External DVD drive
• Games console
• Home cinema / surround
sound system
• MP3/iPod, radio or sound bar
• Printer, projector or scanner
•TV
• Hair dryer, hair curlers or hair straighteners
Kitchen appliances can be freestanding or built in.
If you are unsure whether your product is covered or not, please give us a call on 0800 11 88 55.
What do I do if I need to make a claim?
If you need to make a claim please call
UK number: 0800 11 88 55
Monday to Friday, 9am – 5pm
Definitions
We/Our/Us U K Insurance Limited and all our agents.
Who provides my insurance cover?
This policy is underwritten by U K Insurance Limited. Registered Office: The Wharf, Neville Street, Leeds LS1 4AZ.
Registered in England & Wales No. 1179980. For the purpose of us providing this insurance cover, Nationwide
will provide us with information about you, including your name and address. We will only use your information
to provide the insurance cover and will not use it for anything else.
Important information about cover for existing and previously existing medical
conditions
Please carefully read the medical statements section on page 10 of the policy. The policy does not automatically
cover all illnesses and injuries.
If you or anyone insured on the policy have a pre-existing medical condition, you can call us at any time to tell
us. We will tell you if we can cover that condition for free, if you need to pay us an extra premium or if we cannot
cover the condition. We will write to you to confirm what we tell you over the phone.
Where we cover or decline to cover medical conditions, we will usually apply those terms for a 12 month period
and at the end of this period we will send you a letter asking you to call in again, we will talk to you about your
condition(s) and assess your condition(s) annually. You must update us of any changes in medical conditions
throughout the policy cover period, particularly before you book a trip and before you travel.
You will need to supply your account details and evidence of proof of purchase when you call.
14
15
Worldwide Travel
Insurance
Kitchen •Actifry
• Coffee machine / kettle
• Cooker / cooker hood
•Dishwasher
• Oven / double oven
• Gas / electric hob
Home Entertainment • Audio system
• Headphones / bluetooth headset
• DVD player / blu-ray player
• Camera / video camera
• Desktop PC, laptop computer or
computer monitor
Health and beauty • Electric toothbrush / electric shaver
Your travel insurance checklist
In order to travel you must be:
• Healthy, fit to travel and able to undertake your planned trip
• NOT travelling against medical advice or with the intention of obtaining medical treatment abroad
Before you travel, you should ask yourself the following:
Will my trip last more than 31 days?
If so, you must purchase a trip extension by contacting the insurer
on 08000 51 01 54
Have I purchased an age extension
upgrade?
This is required for account holders/their spouse or partner aged 75 years or over –
see Main exclusions or limitations on page 5 of this summary. You can purchase an
age extension by contacting the insurer on 08000 51 01 54
Am I covered for pre-existing
medical conditions?
You can contact the insurer on 08000 51 01 54 at any time if you want to receive
cover for your medical condition. They will tell you if they can cover that condition for
free, if you need to pay them an extra premium or if they cannot cover the condition
The features, benefits and exclusions of the policy are set out in the table below, which includes cross references
to the relevant sections of the policy document. The policy itself has full details of the features, benefits and
exclusions as well as those not listed here.
16
Benefits
Policy limits
Excess
Exclusions and conditions
Section A
Baggage
Page 18
Sum Insured
£1,500 per insured
person
Inner Limits
• Single article limit:
£300
• Limit for all
valuables: £400
• Delayed baggage
after 12 hours:
£250
• Consumable items
limit: £100
£50 per
insured
person
Conditions
• You must obtain a Property Irregularity Report from the
carriers within 3 days of the incident or
• Report any loss to the Police within 24 hours of its discovery
and obtain a copy of the Police report
• Take all steps to recover property which is lost or stolen
Exclusions
In addition to anything mentioned in the General Exclusions we
will not pay for loss, damage, theft or destruction of:
• Valuables left in luggage whilst in transit and outside the
control of the insured person
• Valuables left in your locked personal accommodation where
a safe or safety deposit box is available and you have not put
your items in it and locked it
• Sports equipment and accessories whilst in use
Benefits
Policy limits
Section B
Personal
accident
Page 19
Item 1 – Death where Nil
you are aged:
a)Under 18 years:
£2,000
b)18 years and over:
£25,000
Item 2 – Loss of limb:
£25,000
Item 3 – Loss of sight:
£25,000
Item 4 – Total
permanent
disablement:
£25,000
Sum Insured
£50 per
£5,000
insured
person
Section C
Cancellation
Page 20
and
Section D
Curtailment
Page 23
Excess
Main exclusions and conditions
Exclusions
In addition to anything in the General Exclusions, we will not
pay any claim which arises from or is in connection with:
• Any sickness or disease, naturally occurring or degenerative
condition
• A claim under more than 1 item of this section
• Claims which arise from a pre-existing medical condition,
unless declared and accepted by us in writing
• Your participation in a hazardous activity, unless the
hazardous activity upgrade has been purchased
Conditions
In addition to anything mentioned in the General Conditions,
we will only pay cancellation or curtailment claims;
• For travel and accommodation expenses, which you have
pre-paid or contracted to pay, at the time you realise a claim
may be made
• Claims that are a result of an accident, illness, when a
medical practitioner confirms in writing that cancellation or
curtailment is medically necessary
• Due to injury or illness of your cat or dog when it requires life
saving treatment within seven days prior to the start date of
your journey
• We will only consider the unused expenses of a person who
is insured under this policy. For example, if you are travelling
with someone who is not insured under this policy, we only
pay your proportion of costs not theirs, regardless of who has
paid for the booking
Exclusions
In addition to anything mentioned in the General Exclusions,
we will not pay for claims which are a result of:
• Your disinclination to travel or continue your journey
• A pre-existing medical condition, unless declared and
accepted by us
• Failure of the tour operator or any provider of transport or
accommodation to fulfil the journey booking. Except where
covered by Part C
• An anticipated event
• A medical condition of a close relative, travelling companion
or business associate (whether they are travelling or not)
who has been a hospital inpatient in the past 12 months or
been put on a waiting list for hospital treatment
• The transport operator or their agents refusing to transport
you or a member of your immediate family, or a travelling
companion, because they consider that you or they are not
fit to travel
17
Benefits
Policy limits
Excess
Main exclusions and conditions
Benefits
Policy limits
Excess
Main exclusions and conditions
Section E
Medical and
emergency
costs whilst
you are on your
journey
Page 25
Sum Insured
£10 million
Inner Limits
towards
funeral costs
abroad;
£2,500
towards
someone
coming out to
you on advice
of our medical
adviser;
£2,000
£50 per
insured
person
outpatient
claims only
Conditions
In addition to anything mentioned in the General Conditions,
payment of claims is conditional upon you:
• Accepting our decisions concerning the most suitable,
practical and reasonable solution to any medical emergency
• Contacting the assistance service as soon as possible
after an incident arises to obtain authorisation for treatment
or return to the UK
Exclusions
In addition to anything mentioned in the General Exclusions,
we will not pay:
• Claims which arise from a pre-existing medical condition,
unless declared and accepted by us
• An anticipated event
• Any treatment or help where, given your physical or mental
condition, you should not have travelled or it would have
been reasonable for you to have consulted your medical
practitioner, prior to you booking or taking the trip, about
whether or not it was appropriate for you to travel
• For any claims due to your participation in hazardous
activities unless declared to us and accepted by us in writing
Section H
Travel delay and
abandonment
Page 30
Sum Insured
£1,000 Travel Delay
£5,000
Abandonment
£50 per
insured
person
Exclusion
In addition to anything mentioned in the General Exclusions,
we will not pay for claims which are a result of:
• A strike or any form of industrial action which had been
announced or commenced before you purchased the travel
tickets, obtained confirmation of booking or before you
departed from your home
Section I
Missed
connections
Page 31
Sum Insured
£1,000 per
insured person
Nil
Exclusion
In addition to anything mentioned in the General Exclusions,
we will not pay for claims which are a result of:
• A strike or any form of industrial action which had been
announced or commenced before you purchased the travel
tickets, obtained confirmation of booking or before you
departed from your home address
Section J
Missed
departure
Page 31
Sum Insured
£1,000 per
insured person
Nil
Exclusions
In addition to anything mentioned in the General Exclusions,
we will not pay for claims which are a result of:
• A strike or any form of industrial action which had been
announced or commenced before you purchased the travel
tickets, obtained confirmation of booking or before you
departed from your home address
• Missed departure claims due to road traffic congestion or
road closures where you have not left reasonable time to
reach your departure point on time or are not travelling by
scheduled public transport
Section K
Emergency
passport/
driving licence
costs
Page 32
Sum Insured
£500
Nil
Conditions
In addition to anything mentioned in the General Conditions,
in order for your claim to be considered you must:
• Report the incident to the police in the country where the
loss occurred within 24 hours and obtain a copy of the
police report
Section L
Hospital
benefit
Page 33
Sum Insured
£25 per day,
maximum
£1,000
Section F
Personal
liability
Page 28
Section G
Personal
money
Page 29
18
Sum Insured
£2 million
£50 for
claims
for loss or
damage to
property
only
Sum Insured
£50 per
17 years and over
insured
£500
person
16 years and under
£100
Inner limits
cash, notes and coins
(including travellers
cheques and pre-paid
traveller’s cards):
£250
Other items in your
wallet or purse: £250
Exclusions
In addition to anything in the General Exclusions, we will not
pay any claim which arises from:
• Death or bodily injury to your employees, family or travelling
companion/s
• Ownership, possession or use of any animal, firearms,
mechanically propelled vehicles, vessels (other than
manually propelled water craft) or aircraft of any description
Conditions
In addition to anything mentioned in the General Conditions,
in order for your claim to be considered you must:
• Report any loss to the police within 24 hours of its discovery
and obtain a police report from them
• Take all steps to recover property which is lost or stolen
Exclusions
In addition to anything mentioned in the General Exclusions,
we will not pay for loss, damage, theft or destruction of
personal money:
• Left in luggage whilst in transit and outside the control of
the insured person
• Left in your locked personal accommodation where a safe
or safety deposit box is available and you have not put your
personal money in it and locked it
• Left in any motor vehicle
Exclusions
In addition to anything mentioned in the General Exclusions,
we will not pay for claims which are a result of:
• Any destruction, loss or theft which occurred prior to the
start date of your journey abroad, except where such loss is
as a result of burglary and has been reported to the police
• Any costs incurred in replacing the passport or driving
licence
Nil
Exclusion
In addition to anything mentioned in the General Exclusions,
we will not pay any claim:
• Under this section, when we have not provided cover under
section E – Medical and emergency costs whilst you are on
your journey
19
Benefits
Policy limits
Section M
Legal costs
Page 33
Sum Insured
Nil
£50,000 in total
Up to £250 in total for
first consultation
Section R
Winter sports
Page 36
Section S
Business cover
Page 38
20
Excess
Main exclusions and conditions
Benefits
Policy limits
Excess
Main exclusions and conditions
Conditions
• If we accept your claim we, or a solicitor we choose, will try
to settle the matter without going to court
• We can refuse to pay further legal costs if it is no longer more
likely than not that you will be successful with your claim
• You must send us full details of your claim in writing as soon
as possible and in any event no later than 180 days after
the date you knew about or should have known about the
incident giving rise to the claim
Section T
Golf cover
Page 39
Baggage
£1,000 per insured
person
Hiring replacements
£40 per day / Max
£200
Green fees
£300
Travel Delay £250
£50 per
insured
person for
baggage
and
cancellation /
curtailment
claims only
Conditions
• Report any loss to the police within 24 hours of its discovery
• Take all steps to recover property which is lost or stolen
Exclusions
• Items that are left in any motor vehicle
• Items which are delayed, detained, seized or confiscated by
Customs or other officials
Exclusions
You are not covered for:
• Illness or injury which develops gradually or is not caused by
a specific or sudden accident
• Legal costs that relate to a period before we have accepted
your claim in writing
Section U
Wedding cover
Page 41
Wedding attire
£1,500 per insured
couple
Wedding rings
£250
Wedding gifts
£1,000
Wedding photos and
video recordings
£750
£50 per
insured
person
Conditions
• Report any loss to the police within 24 hours of its discovery
• Take all steps to recover property which is lost or stolen
Exclusions
• Items that are left in any motor vehicle
• Items which are delayed, detained, seized or confiscated by
Customs or other officials
• Items made of china, glass or similar fragile materials
Nil
Exclusions
• the insolvency or other financial failure of the travel,
accommodation or other end supplier whose services were
not booked from within the UK;
• any travel, accommodation or other end supplier where
at the time of the booking or taking out of this insurance
(whichever is later) you could have reasonably been
expected to know of a reason why the service could not
be provided due to the end supplier’s insolvency or other
financial failure. (For example, where there is significant
media coverage in the UK about the provider’s insolvency
or other financial failure or where you find out about the
insolvency or other financial failure prior to booking)
Sum Insured
Ski Pack
£35 per day / £525
max per insured
person
Ski-equipment
£35 per day /
£525 max per
insured person for
replacements
Piste closure
£35 per day / £525
max
Avalanche closure
£200
Delayed ski
equipment
£35 per day / £525 to
hire replacements
£50 per
insured
person for
lost skiequipment
only
Conditions
• Report the loss or theft to the Police authorities in the
country where the incident occurred within 24 hours of
discovery and obtain a copy of the police report
• Take all reasonable steps to recover ski-equipment that is lost
or stolen
Exclusions
• Ski equipment more than 5 years old
• Following your deliberate, wilful or malicious damage or
carelessness or neglect
• Caused by wear and tear, loss of value, moth, vermin,
atmospheric or climatic conditions, gradually operating
causes or by any cleaning, repairing or restoring process
Baggage
£1,500 per insured
person (Single article
limit £1,000)
Emergency
replacement items
£250
Hiring replacements
£500
Business colleague
£2,000
Accommodation and
travel expenses
£1,500
£50 per
insured
person for
Baggage
claims only
Conditions
• Report any loss to the police within 24 hours of its discovery
• Take all steps to recover property which is lost or stolen
Exclusions
• Items that are left in any motor vehicle
• Items which are delayed, detained, seized or confiscated by
Customs or other officials
Sum Insured
Part B
£5,000 per insured
End Supplier
person
Failure Cover
provided by IPP
Page 43
Upgrades are available for an additional premium to include cover for:
• Age Extension: an annual premium of £50 (rate at 02/12/2015) (inclusive of Insurance Premium Tax,
where applicable) is payable per account before cover applies to any booked trips for account holders
and insured parties aged 75 years or over
• Hazardous activities
• Extension of cancellation cover
• Trip extension
• Excess waiver
• Guest cover
Cancelling any upgrade
If you have paid to upgrade your policy you can cancel the upgrade within 14 days from the date you receive the
amended schedule. We will then refund the premium you have paid in full. No refund of premium is available
after the 14 day period.
21
What do I do if I need to make a claim
Claims and general enquiries:
If you need to make a claim please also read the Important
Information section of the policy document
UK number: 0800 11 88 55
International number: 44 1793 541 200
The following services are available to
all Nationwide FlexPlus current account
holder(s)
Alternatively, you can call the following numbers to contact the insurer directly:
Making a claim
08000 51 01 64
24 Hour emergency assistance
Outside the UK: +44 141 349 0288
Within the UK: 0141 349 0288
Pre travel advice:
08000 51 01 54
24 Hour legal helpline:
0345 246 2110
Identity Theft Assistance
As a FlexPlus account holder you have access to our dedicated website, top tips, fraud risk calculator, dedicated fraud
assistance helpline and a dedicated case worker who can support you if you are an unfortunate victim of fraud.
Worldwide Emergency Card Assistance
Significant and unusual exclusions and limitations that apply to
all sections of cover
Conditions
With FlexPlus Worldwide Emergency Card Assistance with just one call your debit, credit and store cards will be cancelled
on your behalf and replacements ordered – any time, day or night, 365 days a year.
Worldwide Emergency Card Assistance also includes an option for CIFAS Protective Registration where, with your
permission, we will also let other banks and lending organisations know your details may be at risk of fraudsters taking
out credit in your name. CIFAS is a not-for-profit membership association representing the private and public sectors.
CIFAS is dedicated to the prevention of fraud, including staff fraud, and the identification of financial related crime.
Card Assistance is available for up to 9 other people living at your permanent home address.
You, or any person acting for you, must not negotiate, admit or repudiate any claim without our written consent.
• It is a condition of this insurance that all material facts, which is anything that might alter, change or
influence the continuation of this insurance cover on the same terms, such as pre-existing medical
conditions, criminal convictions and possible participation in hazardous activities are disclosed to us.
Failure to do so may invalidate this insurance leaving you no right to make a claim. We reserve the right to
not extend the policy
• At the time of a claim, if you have any other insurance covering all or part of the same costs, loss, damage
or liability, we will pay our share of the claim in proportion to the sum insured except under sections H, I, J
where we will pay the full claim subject to the policy limits
Exclusions
This policy excludes any claim arising from:
Other services
• Death, injury, illness or disablement resulting from suicide, attempted suicide or wilful exposure to danger
(except in an attempt to save human life)
• Death, injury, illness, or disablement resulting from the influence of intoxicating liquor or drugs (other than
drugs taken under medical supervision and not for the treatment of drug addiction) or solvent abuse
• Manual work of any kind
• Travel to areas where, at time of booking the journey or thereafter but before you travel, the
Foreign & Commonwealth Office has advised against travel to. If you are unsure please visit the FCO website
at www.fco.gov.uk/knowbeforeyougo
• If any claim is found to be fraudulent in any way, this includes exaggerating the amounts of the claim, this
policy will not apply and all claims will be forfeited. It is a criminal offence to make fraudulent claims and you
could be prosecuted
22
23
General Conditions & Information
What to do if you have a complaint
Your right to cancel
Nationwide and our partners have complaints procedures to ensure that all complaints are dealt with fairly,
reasonably and promptly by the appropriate person. Details on how to make a complaint or to request more
information on the complaints procedures are included below:
You have the right to cancel your insurance cover at any time. No refund will be due upon cancellation.
If you’re not happy with Nationwide
• This can be done by closing your Nationwide FlexPlus current account, at which point the benefits and
services of our cover will no longer be available. Please call Nationwide on 0800 11 88 55 for information
on how you can close your Nationwide FlexPlus current account.
If your complaint is about a service or product you received from Nationwide, please contact us using the
contact details provided below.
• If you cancel any of the benefits or services of your Nationwide FlexPlus current account, the account must
be closed or switched to another current account that you are eligible to open.
(a)visit our website and click on the option ‘Contact us’;
(b)phone 0800 11 88 55; or
(c)visit one of our branches.
If you’re not happy with one of your insurance products / services
(a) you fail to comply with the terms & conditions of this policy. Depending on the circumstance, we may
cancel your benefit or service and notify Nationwide, which will result in your Nationwide FlexPlus current
account being closed;
(b) if required to do so to comply with any law or guidance or regulatory requirement;
If your complaint is about a service or product you received from the insurance or service provider.
Please contact the relevant provider using the contact details provided in the table below:
If you’re not happy with one of your insurance products/services
(c) if we cease to provide the benefit or service to Nationwide FlexPlus current account holders;
Product/service
Provider
Contact information
(d) if fraudulent activity is reasonably suspected on the account;
UK & European
Breakdown and
Recovery Assistance
Liverpool Victoria
Insurance Company
Limited
Nationwide may withdraw benefits or services, or features, for any other valid reason such as to reflect other
legitimate cost increases or reductions associated with providing the cover upon at least two months written
notice to you.
For queries or complaints relating to your policy, please call
0800 756 8828 or write to:
The Quality Manager,
Britannia Rescue,
Folly Hall Mills,
St Thomas Road,
Huddersfield,
West Yorkshire HD1 3LT
or email; [email protected]
Nationwide or we may withdraw the benefits or amend the terms of this policy by Nationwide giving you
30 days advance notice in writing.
When contacting us please ensure you quote your account or claim
number as appropriate.
(e) you fail to pay the monthly Nationwide FlexPlus current account fee or your permanent residential address
is no longer in the United Kingdom.
Worldwide Family
Mobile Phone
Insurance
Lifestyle Services Group handle all queries and complaints on behalf
of the insurer.
Extended Warranty
protection
The easiest way to contact them is to call us on 0800 11 88 55
(option 2). We will do everything possible to ensure that your query
is dealt with promptly.
Identity Theft
Alternatively, you can email
[email protected] or write to:
Worldwide
Emergency Card
Assistance
Customer Services
Lifestyle Services Group Limited
PO Box 98
Blyth, NE24 9DL
Worldwide Family
Travel Insurance
24
London General
Insurance Company
Limited
U K Insurance
Limited
For issues relating to the purchase or administration of your insurance
(including any upgrades and endorsements) or a claim you have
made: call 08000 510154. If you wish to write, then please address
your letter to: Nationwide FlexPlus Account Travel Insurance Customer
Relations, Churchill Court, Westmoreland Road, Bromley, Kent, BR1 1DP.
General information
Nationwide, or we, may withdraw a benefit or service immediately in the following circumstances:
25
If your complaint can’t be resolved, you may have the right to refer your complaint to the Financial
Ombudsman Service within 6 months of receiving the final response letter.
The address is:
The Financial Ombudsman Service
Exchange Tower
London
E14 9SR
Tel: 0800 023 4567 (0300 123 9123 from mobile or non BT lines)
What happens if we are unable to meet our liabilities?
Under the Financial Services and Markets Act 2000, should the company be unable to meet all its
liabilities to policyholders, compensation may be available. Insurance advising and arranging is covered
for 90% of the claim, without any upper limit. Information can be obtained on request, or by visiting the
Financial Services Compensation Scheme at www.fscs.org.uk.
Law
Unless otherwise agreed, English Law will apply to the Nationwide FlexPlus current account contract.
e-mail: [email protected]
If you purchased your account online, you may also have the option to refer your complaint to the Financial
Ombudsman Service using the Online Dispute Resolution platform. The platform has been established by the
European Commission to provide an online tool for consumers to resolve disputes about goods and services
purchased online. The platform can be found at http://ec.europa.eu/consumers/odr/
Details about our regulator
Travel Insurance
FlexPlus Worldwide Family Travel insurance policies are underwritten by U K Insurance Limited who is
authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority
and the Prudential Regulation Authority, registration number 202810. The Financial Conduct Authority
website, which includes a register of all regulated firms can be visited at www.fca.org.uk, or the
Financial Conduct Authority can be contacted on 0800 111 6768. The Prudential Regulation Authority
website can be visited at www.bankofengland.co.uk/pra or the Prudential Regulation Authority can be
contacted on 020 7601 4878.
Breakdown Cover
Liverpool Victoria Insurance Company Limited, registered in England and Wales number 3232514 is
authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and
the Prudential Regulation Authority, register number 202965.
Mobile Phone & Extended Warranty
This policy has been arranged for Nationwide Building Society by Lifestyle Services Group Limited with a
single provider London General Insurance Company Limited.
London General Insurance Company Limited is registered in England, No. 1865673. Authorised by the
Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential
Regulation Authority.
Lifestyle Services Group Limited is registered in England, No. 5114385. Authorised and regulated by the
Financial Conduct Authority in respect of insurance mediation activity only.
The FCA website, which includes a register of all regulated firms can be visited at www.fca.org.uk or by
contacting the FCA on 0800 111 6768.
26
27
Just ask in branch
Visit nationwide.co.uk/current_account
Call 0800 11 88 55
Nationwide cares about the environment – this literature is printed in the UK
with biodegradable vegetable inks on paper from well managed sources.
Nationwide are able to provide this document in Braille, large print or
audio format upon request. Your local branch will arrange this for you
or you can contact Nationwide on 0800 11 88 55.
Nationwide acts as an intermediary for the insurance products provided with the Nationwide FlexPlus Current Account.
FlexPlus Worldwide Family Travel Insurance policies are underwritten by U K Insurance Limited. Registered office: The Wharf, Neville Street,
Leeds LS1 4AZ. Registered in England & Wales No. 1179980. U K Insurance Limited is authorised by the Prudential Regulation Authority and
regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Calls may be recorded.
FlexPlus UK & European Breakdown and Recovery Assistance is underwritten by Liverpool Victoria Insurance Company Limited.
Liverpool Victoria Insurance Company Limited, registered in England and Wales Number 3232514 is authorised by the Prudential Regulation
Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority register number 202965. Registered
address: County Gates, Bournemouth BH1 2NF. Tel: 0800 756 8828.
FlexPlus Worldwide Family Mobile Phone Insurance and Extended Warranty Protection have been arranged for Nationwide by
Lifestyle Services Group Limited (Financial Services Register No. 315245) with a single provider London General Insurance Company Limited
(Financial Services Register No. 202689).
London General Insurance Company Limited is registered in England No. 1865673. Registered Office: Integra House, Floor 2, Vicarage Road,
Egham, Surrey TW20 9JZ. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the
Prudential Regulation Authority.
Lifestyle Services Group Limited is registered in England, No.5114385. Registered Office: Assurant House, 6-12 Victoria Street, Windsor,
Berkshire SL4 1EN. Authorised and regulated by the Financial Conduct Authority in respect of insurance mediation activity only.
FlexPlus Identity Theft Assistance and Worldwide Emergency Card Assistance are provided by Lifestyle Services Group Limited.
The provision of these services is not regulated by the Financial Conduct Authority.
Nationwide Building Society is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the
Prudential Regulation Authority under registration number 106078. You can confirm our registration on the FCA’s website www.fca.org.uk
or by contacting the FCA on 0800 111 6768.
The information in this leaflet is correct at the time of going to print.
Calls may be recorded.
Nationwide Building Society. Head Office: Nationwide House, Pipers Way, Swindon, Wiltshire SN38 1NW.
P2226 (April 2017)