Nationwide Flex insurance

[Berin]

Well, we let our annual M&S policy lapse. It did cover bikes and had no exclusions on it that would prohibit riding trails, but the price had gone up from about £250 for the two of us to £400.

So I’m now looking at Nationwide, not least as it’s the last bank left in my local town.

I can’t find a recent thread so for anyone that has a flex plus account, can you tell me if it has any exclusions for bikes please?


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[tuftywhite]

We started using it this year. Looks good for bikes as far as I can remember. I'm going to let my other insurance lapse on the strength of it.

Can't remember the details, but I was happy enough that I'd be covered when I was reviewing it all.

 

[littleade]

It says resticted to 125cc and you must wear a helmet and have a licence in the policy details below but that might just be for hiring bikes. There's a contact number for new or existing customers so might be worth giving them a ring

Travel insurance with FlexPlus | Nationwide

FlexPlus current account travel insurance provides cover for you and your family including business, wedding, golf and winter sports.

www.nationwide.co.uk

 

[wessie]

just check the additional premium for cover for pre-existing medical conditions. For me, it is cheaper to buy a standalone policy from Tesco (underwritten by Axa) than pay the top up for Nationwide.

 

[parkys100]

125cc limit if you hire bike whilst on holiday.
If you set off from the UK on a motorcycle holiday/trip have and wear protective equipment and have a suitable license for your trusted stead.
There is no 125Cc limits.
No maximum bike size quoted.

 

[Berin]

just check the additional premium for cover for pre-existing medical conditions. For me, it is cheaper to buy a standalone policy from Tesco (underwritten by Axa) than pay the top up for Nationwide.

Luckily, I don’t have any pre existing conditions


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[Berin]

125cc limit if you hire bike whilst on holiday.
If you set off from the UK on a motorcycle holiday/trip have and wear protective equipment and have a suitable license for your trusted stead.
There is no 125Cc limits.
No maximum bike size quoted.

Thanks!


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[Berin]

Although, protective equipment- does that just mean a helmet?


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[wessie]

Although, protective equipment- does that just mean a helmet?


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there is no definition of this in the policy so as long as you are compliant with the law, then they cannot complain

 

[Berin]

there is no definition of this in the policy so as long as you are compliant with the law, then they cannot complain

Thanks.


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[tornadof3]

I had a breakdown on bike and called their rescue line. On the one hand, it was sub-contracted out to a local bike recovery man as they do not have their own fleet. On the other hand, service was excellent and the bloke who turned up to help did so in a reasonable amount of time and got the bike going again. Have also used them a couple of times for broken down car; again, service was excellent.

 

[wessie]

Changes afoot for the Flexplus policy with a new underwriter in April 2024. Details here https://www.nationwide.co.uk/current-accounts/flexplus/travel-insurance-changes/
I have looked through the PDF. Aviva is the new underwriter and the motorcycle clauses are the same for your own bike i.e. have a full licence (generic comment about all vehicles), wear a helmet and comply with any local laws re. other safety gear.

 

[Wapping]

Thanks, Wessie.

Don’t injure or kill yourself, when travelling in excess of the posted speed limit.

Riding ‘At a speed appropriate, in my opinion’ is not an adequate defence.

 

[Steve398]

Flexplus recovery breakdown is now covered by the AA.

 

[Wapping]

Flexplus recovery breakdown is now covered by the AA.

That’ll be shite then. I read it here.

 

[Sea Dog]

I have the Co-op equivalent bank account which I chose because the RAC cover seemed a slightly better. Might be worth a look?

 

[Berin]

Changes afoot for the Flexplus policy with a new underwriter in April 2024. Details here https://www.nationwide.co.uk/current-accounts/flexplus/travel-insurance-changes/
I have looked through the PDF. Aviva is the new underwriter and the motorcycle clauses are the same for your own bike i.e. have a full licence (generic comment about all vehicles), wear a helmet and comply with any local laws re. other safety gear.

no mention of whether it’s your own or a hire bike, or engine size so it looks like the restriction on hire bikes on the previous cover is gone.