Nationwide Flex Plus Insurance

[Clickem]

Think that I read on here a while back that Nationwide were lowering their upper age limit from 75 to 70, so that over 70's would have to pay for an upgrade, previously only required at 75+

Got the Email yesterday and see that:

"From 3 January 2019, we’ll be changing the cost of an age upgrade from £50 to £65, as well as lowering the age requirement for the upgrade from 75 to 70 years

If you’re 70 to 74

• If you book a holiday on or after 3 January 2019, you’ll need to buy a £65 age upgrade.
• If you book a holiday before 3 January 2019, you don’t need to pay"

So if you have plans in place by 3rd January you can avoid paying for next year

 

[Khizzie]

Still cheap as chips for travel insurance..

 

[2657]

Still cheap as chips for travel insurance..

Don't know if it's cheap but it will cost us, 2 people, around £500 next year including the cost of the account and time extension etc.

I think time for a comparison next renewal.

 

[Hils and Glenns]

Got my email yesterday too. I don't think it's good value for us anymore. They have refused Glenn insurance even with paying a supplement, I don't need my phone insuring, I can get cheaper travel insurance elsewhere. The only thing is the van breakdown cover.??? I'm going to look into the cost of that and weigh up my options.

 

[two]

Still cheap as chips for travel insurance..

You only find out how good these things are when you need to make a claim.

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[Tykatem]

Still cheap as chips for travel insurance..

Providing they'll cover you! When applying online it asked:-
Have you or anyone to be insured by this policy been prescribed medication (including repeat prescriptions) in the last 12 months, whether taking it or not for anything other than a Cold, the Flu, hormone replacement therapy or contraception?
On confirming that I had it told me:-
Based on what you've told us, you're not eligible to use this policy.

Pete

 

[Khizzie]

Don't know if it's cheap but it will cost us, 2 people, around £500 next year including the cost of the account and time extension etc.

I think time for a comparison next renewal.

It's cheap for the normal holiday maker who only has say 4 weeks a year abroad.. Obviously its not intended for those that have extended time abroad..

 

[iandsm]

Don't know if it's cheap but it will cost us, 2 people, around £500 next year including the cost of the account and time extension etc.

I think time for a comparison next renewal.

Do you mean they will want £435 in total for two persons on top of your account fee and the £65 age upgrade, that being (500-65=435) for declared conditions?

 

[Clickem]

Last year we paid about £165 to extend the stay length to 56 days, plus our medical miseries. This year we will probably have to pay the new (to us) £65 if we go away again later in 2019. Plus the account cost, which is realistically £13 X 12, less the interest earned on £2500 plus the interest that I could have earned by placing the £2500 elsewhere.

I reckon that to be £156 - £38 = £118 plus the £165 and £65 extension gives a total of £348

We used the breakdown cover this year and it was excellent

 

[2657]

Do you mean they will want £435 in total for two persons on top of your account fee and the £65 age upgrade, that being (500-65=435) for declared conditions?

This year was £320 plus cost of account,£156 plus extra £65 is £541 less say £41 for interest on account gives around £500.

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[JockandRita]

It's for the reasons others have posted above, that Rita and I couldn't apply for their insurance, ie, pre-existing conditions, and current meds taken, so a non starter for us.

Cheers,

Jock.

 

[berni109]

"You only find out how good these things are when you need to make a claim"

Just preparing to go to the ombudsman with my refused claim for reimbursement of hospital and doctors fees.
It only seems like value for money until u make a claim.

 

[Snowbird]

Nationwide are the only insurers that will cover me with pre existing for 90 day trips. I have made claims successfully on both there travel and breakdown cover. I do have to phone there underwriters every year to give them an update on what bits have deteriorated or fallen off in the last year. I think I pay just short of £300 a year for worldwide 90 day cover for two of us.
After I was diagnosed some years ago one travel insurer wanted over a grand for two weeks in the States .
We travel a lot throughout the year, both within the EU and outside, and I honestly cannot find anything that comes anywhere remotely close to the Nationwide price.
Someone will always find something a bit cheaper, somewhere, but I know from past experience that you will never know how good insurance is until you need it. By then its often too late to worry about how good the cover is.
I had a week in a private hotel suite a couple of years ago courtesy of Nationwide and have had breakdown assistance outside the EU with no charge, so in this case, am staying regardless of what other offers are on the table.

 

[roncab]

I used Nationwide breakdown service last week in Spain first class service nothing was a problem good communication great servce highly recommend i will be staying with them

 

[joka250]

I don't understand how people with pre existing conditions get insurance with Nationwide. Virtually the first question they ask is do you take meds, yes equals no every time.

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[Clickem]

I don't understand how people with pre existing conditions get insurance with Nationwide. Virtually the first question they ask is do you take meds, yes equals no every time.

I take meds, and declare them, and have never had any problems with getting the insurance with Nationwide, as long as I am prepared to pay

 

[2657]

I don't understand how people with pre existing conditions get insurance with Nationwide. Virtually the first question they ask is do you take meds, yes equals no every time.

I would think that would depend on the meds, I have 3 prescriptions and have had a hip replacement and a back operation in the last 9 months, no problem with renewal or time extension to 120 day trips, obviously costs though, see my previous posts.

 

[Snowbird]

I don't understand how people with pre existing conditions get insurance with Nationwide. Virtually the first question they ask is do you take meds, yes equals no every time.

I take fifteen different meds every day, heart, diabetic, water, and God only knows what else they prescribe me. If you go into your local Nationwide branch and book an appointment they will call there underwriter and go through everything with you and give you a price. You can then make an educated choice if its for you or not.

 

[joka250]

Having gone through the procedure of discussing with their underwriters it came back to the same response, no cover can be offered, no opportunity to reverse that decision. I know others on this forum have had same or similar experience. Based on some of the costs quoted in this thread I get a good deal from Red Pennant for cover and better banking terms elsewhere with no monthoy charges. Obviously each of us has different issues and requirements and must act accordingly.

 

[Geo]

You should have my problem
I had a stent about 6 years ago and was prescribed perfectly normal life long medication inc asprin for this condition
for no other reasons than the stent Unfortunately for me two of them are also listed as Blood Pressure meds
Now if you take blood pressure meds you are a risk, If you take TWO you are a leper and can go forth and multiply
based on the fact that two meds to control BP indicates a serious BP problem
I have never had high blood pressure in my life I have never been prescribed blood pressure meds for High BP
My Doc says it is a preventative course of pro active treatment
BUT I do, as it appears,on paper to take two of the listed bad boys game over
ergo very difficult to get world cover at a reasonable cost, if i found myself needing traetment and the Doc says im taking these blood pressure meds I wont be covered
despite the odd circumstances that put me on em

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[South_Wales_Lady]

I don't understand how people with pre existing conditions get insurance with Nationwide. Virtually the first question they ask is do you take meds, yes equals no every time.

We take loads of meds and yes they did insure us - we declared them all and accepted the extra fee. We had to pay something like an extra £250.

 

[Edenside]

We had Nationwide insurance for the first time this year. Other insurers would not cover my husband for his pre-existing conditions. I spoke to Nationwide & they explained you have to firstly contact their medical/underwriters & give all medical details, (Nationwide gave me the telephone number of who to contact) they will then tell you if they will cover you and let you know how much extra the premium will be. From memory I think they give you a code or something to pass on to Nationwide when you open the account. You then pay the excess premium and are covered for the year, the monthly amount is also due but comes out of your account monthly. Hope that info helps people that have been refused.

 

[Snowbird]

Quite frankly, if the Nationwide refuse cover for an existing condition even after paying a premium, its quite likely that no other insurer will cover you for that condition.
You can of course still take out the nationwide insurance, but without cover for the "offending" illness. All other possibilities are covered.

 

[iandsm]

I recently changed our account to the FlexPlus in order to take advantage of the breakdown cover as because of the Brexit possibly difficulties I thought it best not to rely on ADAC.

Nationwide have said they will cover use both for travel insurance even tough we both take two types go BP medication and I take cholesterol lowering drugs and haver a family history of high cholesterol. they will of course want to charge extra which is acceptable mine was £85 and wife £0. then on top of that is the extended trip premium which again is acceptable. I would have had to pay these extras anyway with my existing insurer and actually it would have been more expensive.

For me, even if they would not insure us for travel the monthly, fee after deduction of interest paid, although a little more than ADAC is worth it. I have peace of mind based on the experiences of others on here and other forums who have had reason the use the breakdown service.

 

[Top Hat]

Nationwide are the only insurers that will cover me with pre existing for 90 day trips. I have made claims successfully on both there travel and breakdown cover. I do have to phone there underwriters every year to give them an update on what bits have deteriorated or fallen off in the last year. I think I pay just short of £300 a year for worldwide 90 day cover for two of us.
After I was diagnosed some years ago one travel insurer wanted over a grand for two weeks in the States .
We travel a lot throughout the year, both within the EU and outside, and I honestly cannot find anything that comes anywhere remotely close to the Nationwide price.
Someone will always find something a bit cheaper, somewhere, but I know from past experience that you will never know how good insurance is until you need it. By then its often too late to worry about how good the cover is.
I had a week in a private hotel suite a couple of years ago courtesy of Nationwide and have had breakdown assistance outside the EU with no charge, so in this case, am staying regardless of what other offers are on the table.

Does the £300 include a 90 day extension to the breakdown cover whilst abroad or is that a separate thing.

Charlie

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[Clickem]

Does the £300 include a 90 day extension to the breakdown cover whilst abroad or is that a separate thing.

Charlie

I think that the breakdown cover is only limited by the length of the trip that you are allowed to make

When ringing them for breakdown cover assistance they will ask your start and end dates, to check you are withing your allowed time

We used them during the summer and while we did not have a return ferry booked, but they did ask our intended return date

 

[Zoppydog]

I don't understand how people with pre existing conditions get insurance with Nationwide. Virtually the first question they ask is do you take meds, yes equals no every time.

Never had a problem, husband takes three different meds and I take two, we just declare them, never had a problem in the last 3/4 years

 

[Top Hat]

Sorry, just read there conditions and it state's 180 days abroad in any year, so would not apply to my question.

Charlie

 

[2657]

Sorry, just read there conditions and it state's 180 days abroad in any year, so would not apply to my question.

Charlie

Standard multi trip is 31 days, can be extended up to 180 days, ours is extended to 120 days but is multi trip not annual maximum, presume 180 day is the same.

"You are covered for multi-trip travel worldwide up to a maximum of 31 days per journey (unless we have agreed an extension in writing)."

 

[Snowbird]

Does the £300 include a 90 day extension to the breakdown cover whilst abroad or is that a separate thing.

Charlie

The breakdown cover is inclusive and is also for 90 days.

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