- Coverage for you, your living spouse, and any children under the age of 18 (or 24 if they’re in full-time education).
Does Halifax travel insurance cover cancellation?
There is now coverage if you are overseas and are ordered to return home or prefer to leave early to avoid having to quarantine when you return due to an epidemic or pandemic declared by the World Health Organization (WHO) or a government body. The UK government or the government of the nation you’re visiting could issue the order to come home.
If you or someone you’re traveling with has scheduled to fly and the carrier or a government body refuses to allow you go because you or they are showing symptoms of a contagious sickness at the time of boarding, you or they are entitled for additional cancellation coverage.
If anyone traveling with the insurance holder has been advised to quarantine owing to a potential exposure to COVID-19, cancellation coverage will now be offered for those protected under the policy. Local lockdowns and a broader quarantine order are not included in this.
If you become unwell while traveling, you are still insured for emergency medical care. Anyone planned to go and protected under the policy will still have cancellation and medical coverage if they are required to quarantine on an individual basis.
On December 1, 2021, NHS Test and Trace / NHS Test and Protect (Scotland) contacts a friend you’re traveling with and informs them that they need to self-isolate and will be unable to accompany you. You will be insured for travel cancellation in this case.
You are scheduled to depart on December 1, 2021. There were no restrictions on traveling to your destination at the time you booked. The Foreign, Commonwealth and Development Office’s travel advice to that place changes two days before your journey begins, and now advises against all but essential travel. As a result, you must reschedule your vacation. You would not be protected for any cancellation expenses in this case, and you would need to seek compensation from the travel provider or another source, such as your credit card issuer.
It is critical that you study the terms and conditions of travel insurance to verify that the coverage matches your requirements.
What is covered by Halifax Ultimate Reward account?
The family travel insurance policy covers you, your spouse or partner (if you live together), and any children under the age of 18, or 24 if they’re in full-time education. Personal goods, specific sports and hobbies, and golf excursions are all covered.
Existing medical issues are not covered unless they are initially agreed upon with the insurer, in which case an additional premium may be required.
- Multi-trip travel around the world, including specific winter sports and golf excursions. There’s also coverage for UK excursions that include at least two nights of pre-booked lodging.
- Your children – any of your children who are 18 years old or younger, or who are 24 years old if they are in full-time education. When traveling with the account holder or a responsible adult, you are covered.
- As long as they reside with you, your partner can be a spouse, civil partner, or partner.
- If your personal baggage is lost, damaged, or stolen, you may be entitled to compensation of up to £2,500. This includes assets worth up to £500 and a single article, pair, or set of articles worth up to £500.
- Personal money is covered up to £750 in the event of loss or theft. This includes up to £300 in cash coverage. For those under the age of 16, the amount is limited to £50.
- Pre-existing medical issues are not covered unless the insurer has agreed to cover them.
- The excursion with the longest duration is 31 days. A maximum of 31 days of coverage in a calendar year for winter sports.
- Children are only protected if they are accompanied by you, the account holder, or another responsible adult.
- If you go against the recommendation of the Foreign, Commonwealth and Development Office (FCDO) or any regulatory authority, you are not covered.
- If you are unable to travel or prefer not to go because the FCDO or another equivalent government organization in another nation advises against travel due to a pandemic, you are not covered.
- When the account holder reaches the age of 71, all coverage terminates. As long as the account holder is under the age of 71, their spouse, partner, or civil partner (with whom they live) is insured until they become 71. Eligible children can also be covered if they are traveling with the policyholder’s spouse, partner, or civil partner.
If you need support when traveling abroad, dial +44 (0)208 239 3931 for Allianz Assistance’s 24-hour assistance line. Call Allianz Assistance at +44 (0)345 124 1400 if you need to lodge a claim or want additional information. You can also submit your claim online through the Allianz Assistance Hub, which is accessible via your banking app or Online Banking.
AWP Assistance UK Ltd (business as Allianz Assistance) administers the policy, which is underwritten by AWP P&C SA.
Please note that these are only a few of the key issues; the policy document included in the Ultimate Reward Current Account Getting Started Guide has complete details of the limitations and exclusions (PDF 1.3MB).
As part of the account application procedure, we will also send you the Insurance Product Information Booklet (PDF 2.4MB).
If your travel has been disrupted, you may also use our helpful travel disruption tool.
Do the Halifax do travel insurance?
Overview of Halifax travel insurance. Halifax’s Ultimate Reward Current Account package account includes travel insurance. For a monthly charge of £17, the account also includes AA breakdown cover, mobile phone insurance, and home emergency cover. AXA Insurance UK plc underwrites its insurance.
What is not covered in travel insurance?
Baggage delay, damage, and loss plans do not cover all of your belongings. Glasses, hearing aids, dental bridges, tickets, passports, keys, cash, and cell phones are all common travel insurance exclusions. These things are sometimes covered, but only up to a particular cost limit, so if you have several expensive electronic items (such as a laptop, tablet, and mobile phone), you may not have enough coverage to cover the loss of all of them.
Is Halifax Ultimate Reward account changing?
If we don’t hear from you by May 15, 2020, your account will be converted to a current account, and you won’t be eligible for monthly Reward Extras. You can upgrade to a Reward Current Account at any time after your account has been converted to a Current Account if you believe it is the ideal account for you.
We’re also adding a £3 monthly account maintenance fee on June 1, 2020, although this won’t apply if you deposit at least £1,500 into your account each month.
Between June and August, we won’t charge the £3 monthly account maintenance cost to help you get acclimated to your new account.
However, you must still pay £1,500 each month to be eligible for your reward.
To help you decide if this account is perfect for you, we’ve highlighted everything you’ll need to do to obtain Reward Extras.
Can I downgrade my Halifax Ultimate Reward account?
It’s good news for existing Halifax customers since if you haven’t received a switching bonus from Halifax since April 2020, you can still claim the bonus.
However, unlike Natwest, Halifax would not allow you to switch into an existing account and receive a bonus. You will need to create a new account.
If you have a Halifax “Current Account
The Current Account from Halifax is a no-frills ordinary account. If you have this, all you need to do now is create a Reward or UItimate Reward account.
If you have a Halifax Reward account
Many of you, I’m sure, already have this account thanks to the generous £5 per month offer. As a result, you’ll need to create an Ultimate Reward account. You can downgrade the account once you’ve switched and received the money if you don’t want to maintain it (details below).
If you have both the Reward and Ultimate Reward accounts
If you already have both of these accounts, that shouldn’t be a problem.
Simply downgrade one of your existing Halifax accounts to a different type of Halifax account. After that, reapply for the same account. Then switch back to normal mode! Halifax has confirmed that this is acceptable.
Of course, there may be some differences in your insurance policies if you do this with the Ultimate Rewards account, so compare them before deciding to downgrade the old account.
How do I claim on my Halifax phone insurance?
If you haven’t already done so, you can register your mobile phone number with the insurer via online banking or by dialing 0345 124 1400.
Raising a claim
You must notify the authorities and your airtime supplier as quickly as possible if your phone is lost or stolen. If you do not do these steps, your claim may be denied.
- Your phone’s make and model. Check your instruction manual for this information, or remove the back cover and battery to find a label with this information.
- Your network/service provider. Tip: Your service provider’s information is frequently displayed on your phone’s screen or on your contract or monthly statement.
- The IMEI (International Mobile Equipment Identity) number is a unique identifier for mobile devices. Tip: Dial *#06# on your phone’s keypad to get this information shown on your phone’s screen.
- Click on your Ultimate Reward Current Account once you’ve enrolled into Online Banking.
- Then, under the ‘Account information and benefits menu,’ select ‘View account benefits.’
- Your policy information will be automatically loaded if you’ve already entered your mobile phone insurance data.
- If you want to file a claim, go to ‘View and update details’, then ‘Make a claim,’ and follow the onscreen instructions.
What is Halifax Reward net?
The Halifax Incentive account is now fee-free and offers a £2 monthly reward provided you deposit at least £750, pay out two or more direct debits, and keep your account in good standing. You have until June 12 to determine whether or not to opt-in if you opened your Rewards account after March 13th.