Nationwide Flex Plus

Discussion in 'Motorhome Insurance General Discussion' started by Targetpaster, May 9, 2018.

  1. Targetpaster

    Targetpaster Funster

    Joined:
    Oct 25, 2015
    Messages:
    230
    Location:
    Devizes
    Ratings:
    +149
    i suspect this may have been said before but I wanted clarification for ‘long trips’ for medical cover. If I want to travel to Europe for anymore than 31 days at a time (flex plus is £13 a month with other insurance benefits so it’s £156 a year to start) then I have to pay a premium. For example if I chose to go for 90 days it’s about another 90 quid on top but I then have to return to UK. I could take 180 days cover(one trip) but that will be 220 quid on top of monthly fee so a total of £376. I would then not be covered for medical stuff and when I then return to UK it would be NHS cover and still have breakdown cover for UK as well as phone cover etc.
     
    • Informative Informative x 1
  2. mjltigger

    mjltigger Funster

    Joined:
    Nov 12, 2014
    Messages:
    1,675
    Location:
    Trowbridge
    Ratings:
    +3,198
    I get all the value I need from it by the breakdown and the travel insurance.. everything else is a bonus.. that being said, my additional annual premium for declared conditions is £50 which includes adding my spouse (not a joint account) and I don't expect to be in EU for more than 31 days at a time..
     
  3. Serendipitous

    Serendipitous Funster

    Joined:
    Aug 4, 2012
    Messages:
    430
    Location:
    Devizes
    Ratings:
    +436
    If you keep the current account above £2,500 you get about £6 in interest. That makes cost about £7.

    Take off brake down cover for car and scooter (European) throw in joint travel insurance and a couple of other benefits.

    Can’t se ought to better it at the price. However not happy with med screening top up.

    Ahh forgot commission free cash and purchases at a non inflated exchange rate.
     
    • Like it Like it x 1
    • Informative Informative x 1
  4. joka250

    joka250 Funster

    Joined:
    Jul 29, 2017
    Messages:
    444
    Location:
    South Leicestershire
    Ratings:
    +605
    Every time I used our Nationwide branch (account was for backup mostly) they pestered me to upgrade to Flex Plus. When I enquired about pre existing medical conditions they basically asked if I was joking and said they wouldn't consider me at any price. I asked them to stop trying to sell me Flex Plus either in branch or via e mail or post. Nothing changed so i closed our accounts.
     
    • Like it Like it x 1
  5. Snowbird

    Snowbird Funster Life Member

    Joined:
    Apr 24, 2009
    Messages:
    11,182
    Location:
    Liverpool.
    Ratings:
    +24,102
    There is not an insurance company on the planet that would give me 90 days travel insurance at any price other than Nationwide. OK, so it costs me a bob or two extra but with the bit of interest I get from them it breaks even over the year.
     
    • Like it Like it x 4
  6. The Wino

    The Wino Funster

    Joined:
    Mar 23, 2012
    Messages:
    2,398
    Location:
    leicester
    Ratings:
    +6,709
    I think the cover is really cheap for whats included they could do unlimited cover and include all medical conditions but the monthly cost would put most off as they would never use it or have the medical conditions. Its bound to be aimed at the most common type of use so maybe best to look elsewhere if outside the average requirements.
     
    • Like it Like it x 1
  7. joka250

    joka250 Funster

    Joined:
    Jul 29, 2017
    Messages:
    444
    Location:
    South Leicestershire
    Ratings:
    +605
    Hope my comments don't offend but am puzzled by what you say. Nationwide will not consider me at any price for any travel insurance but I am able , at a price, to getannual cover for up to 66 days. 90 days totally out of the question.
     
  8. Snowbird

    Snowbird Funster Life Member

    Joined:
    Apr 24, 2009
    Messages:
    11,182
    Location:
    Liverpool.
    Ratings:
    +24,102
    Just maybe they are worried I will take my overdraft elsewhere :whistle:.
     
    • Like it Like it x 2
    • Funny Funny x 2
  9. RanC

    RanC Funster

    Joined:
    Aug 17, 2016
    Messages:
    139
    Location:
    Norwich
    Ratings:
    +163
    Have made 2 claims on this flex plus policy in the last 6 months, One finalised and one from mid December ongoing.
    To make a claim £50 per person
    Medical notes ( in my case ) £49.
    Then there is the percentage of holiday lost as in went for 4 weeks, the whole time spent in a hospital bed or hotel bed. As I was repatriated 4 days short of the 4 weeks, even still bed bound that is 4/28ths or 1/7th of the total claim lost. Couldn't take the £500 offer of recovery holiday as had to be within 90 days, ( ongoing condition)
    So policy cost £250, plus £100, plus £49 then percentage £110.£500. Actual insurance cost £1009, less £25 per day confined to Foreign Hospital, not UK hospital, grant.
    On the other hand, expert service, X Ray, Scan, 7 Ambulances and a Learjet back to UK, how much would that have cost?
    READ the Small print, especially with regard to repatriation, and what can be claimed for.
     
    • Like it Like it x 2
    • Informative Informative x 2
  10. RanC

    RanC Funster

    Joined:
    Aug 17, 2016
    Messages:
    139
    Location:
    Norwich
    Ratings:
    +163
    Forgot to mention the monthly charge for this system in the first place.
    Will be looking for an actual insurance broker next time we long haul out of the UK
     
  11. Crazylegs

    Crazylegs Funster

    Joined:
    Feb 19, 2017
    Messages:
    214
    Location:
    Leighton Buzzard
    Ratings:
    +362
    We have travel insurance with the Post Office, cover up to 60 days with as many trips as you like. This covers our requirements for now at a price that is less than the new monthly £13 fee from nationwide. Should we want a longer period they sell a single trip policy with up to 365 days. Call me old fashioned if you will but I’m just happier buying cover from an insurance company rather than a bank or building society who are no doubt selling a third party product and putting a margin on top for themselves.
     
    • Like it Like it x 1
  12. Silver-Fox

    Silver-Fox Funster

    Joined:
    Sep 5, 2014
    Messages:
    3,530
    Location:
    Cheltenham Spa
    Ratings:
    +8,403
    Can I ask with the flex plus do you not also get breakdown cover.
    Seems to me with travel cover you get a lot for your £13 less £7 if you keep the required balance in your account.
    Or am I missing something as I haven’t delved too deep into having one of these accounts yet.
     
  13. Theonlysue

    Theonlysue Funster Life Member

    Joined:
    Sep 14, 2009
    Messages:
    4,529
    Location:
    Essex
    Ratings:
    +5,997
    @Crazylegs in the small print the post office insurance didnt cover swimming.
    Is that still the case?
     
  14. Crazylegs

    Crazylegs Funster

    Joined:
    Feb 19, 2017
    Messages:
    214
    Location:
    Leighton Buzzard
    Ratings:
    +362
    Google is your friend.
    I just know there are repatriation issues with Nationwide, as I ride bikes and quads when away I am happy with the P O. Their insurance wins industry awards.
     
    • Like it Like it x 1
  15. Snowbird

    Snowbird Funster Life Member

    Joined:
    Apr 24, 2009
    Messages:
    11,182
    Location:
    Liverpool.
    Ratings:
    +24,102
    Yes, breakdown cover is included for any vehicle under 7.5 tons you are travelling in, anywhere in Europe.
     

Share This Page

  1. This site uses cookies to help personalise content, tailor your experience and to keep you logged in if you register.
    By continuing to use this site, you are consenting to our use of cookies.
    Dismiss Notice