Added Value Accounts. A current account that offers a package of additional benefits for a monthly maintaining the account fee.
You no longer have to tell us when you are travelling abroad. Our fraud and security systems are always on the lookout for suspicious activity on your accounts meaning you can relax when you are away making going abroad stress free. Check fees outside the UK here. Ensure your cards do not expire when you are away.
The Gold Account has a monthly maintaining the account fee of £14.95. Travel insurance, breakdown cover, mobile phone insurance, and Card Loss Assistance come with individual terms and conditions and limitations.
As a Platinum Account customer you now have access to a range of helpful insurances. For everyday banking we give you the control to manage your money in the way that best works for you. And when you're planning next steps in life, we can support and guide you when you need us.
Your cover is comprehensive, and includes:
- Emergency medical cover (up to £10,000,000).
- Cancellation or curtailment cover (up to £5,000).
- Personal accident cover (up to £30,000).
- Baggage cover (up to £2,500 (valuables up to £500 in total)).
- Travel disruption cover (up to £5,000).
Having access to add-on travel insurance included with your bank account may seem like a great idea. With just one click, you're covered. But in truth, you're only properly covered by a bank policy if you: have no pre-existing medical conditions.
Lloyd's of London is a British insurance market where members operate as syndicates to insure and spread out the risks of different businesses, organizations, and individuals. The syndicates are specialized in different types of risks and each syndicate decides which type of risk to insure.
Cover for loss, theft, damage and breakdown (including faults) for Added Value Account customers.
Stop further damage to your home where safe to do so.Arrange urgent repairs, repair locks that have been damaged or secure broken doors or windows, and if you have a leak, turn off water from the mains supply. If you have Home Emergency Cover, you can call our Home Emergency Helpline 24 hours a day to help with this.
Contents insurance will cover your laptop as long as it is inside your home; however, if you plan to take your laptop other places with you, Personal Possessions Cover could provide cover outside your home.
Please note that we do not cover any form of solar heating or non-domestic central heating boilers and associated systems.
Halifax (previously known as Halifax Building Society) is a British banking brand operating as a trading division of Bank of Scotland, itself a wholly owned subsidiary of Lloyds Banking Group. In 2001 Halifax plc merged with The Governor and Company of the Bank of Scotland, forming HBOS.
Private residence coverThis covers the private residence including integral and attached garages and conservatories, gates, fences, paths, driveways and patios. This also includes: replacement locks and keys. alternative accommodation if your home becomes uninhabitable. accidental damage to underground services.
*Accidental Damage cover and Outbuildings cover are included as standard with Lloyds Bank Home Insurance Premier. **Underwritten by DAS Legal Expenses Insurance Company Limited. Claim up to £50k to cover employment, contract or neighbour disputes and personal injury cases.
Standard contents policies will cover your mobile phone the same as any other item in the home. You will be covered for loss or theft of your mobile phone in the home (for example if it's stolen during a break-in) as well as if it's damaged in a fire, flood, escape of water, etc.
How soon can I claim on phone insurance? With the more reputable companies, as soon as your phone is lost, damaged or stolen, you can make a claim on your phone insurance – no matter how long you've had the policy.
We define 'accidental damage' as: Loss or damage caused by a sudden, unintended or unexpected event that is not the result of a deliberate act. Examples include you spilling red wine on a carpet by mistake; or you unintentionally dropping and breaking a fragile item, such as a vase.
Cell phone insurance can be worth it if you're prone to damaging or losing your phone. If cracking your screen or dropping your phone in water is a rare occurrence for you, however, cell phone insurance may be a waste of money.
The plan covers device malfunctions, damage, loss, and theft. The least expensive plan costs $7 to $10 per month, depending on your device, and includes protection against malfunctions, damage, loss, and theft.
The first decision you need to make is whether or not you need insurance for your mobile at all. If you've got a handset and a PAYG contract you only stand to lose the value of the phone if it is lost or stolen. In these cases, it would need to be a pretty flash and expensive phone to make the insurance worth it.
The bottom line when deciding whether to buy insurance for your iPhone is whether you're more comfortable paying extra money every month so you can have additional security, or if you'd rather take the risk and save the money. Some people would rather forgo the monthly payments and put that money aside for a new phone.
Best Mobile Phone Insurance 2020
- Gadget Cover Mobile Phone Insurance.
- Trusted Insurances Gadget Insurance Ultimate Cover.
- Better Buy Insurance Mobile Phone Insurance.
- Switched On Insurance Gadget Insurance Ultimate Cover.
- Insurance2Go Full Cover Mobile Phone Insurance.
- CoverCloud Elite.
- Debenhams Mobile & Gadget Insurance Ultimate Cover.
Club Lloyds customers actually get a lower rate than standard Lloyds customers – but that doesn't mean it's a reason to choose the bank. At best it's 27.5%, at worst it's a massive 49.9% – making it among the worst options out there.
The policies included with packaged accounts are deliberately high-end, so compare whether a decent standard policy covers what you'll need. If you'd make a saving, a packaged account might be worth it for you. If you wouldn't, paying for cover separately and plumping for a fee-free bank account could work better.
Club Lloyds
- No fee, or £3 a month. No monthly fee for maintaining the account if you pay in £1,500 each month.
- Choose a reward each year. 6 x cinema tickets at ODEON or Vue cinemas.
- Exclusive banking offers. As a Club Lloyds customer you'll get exclusive access to offers on a range of Lloyds Bank products, including:
You can redeem your cinema vouchers online at by entering the 16-digit code at point of booking under 'Enter Code'. Please note, if you are booking more than one ticket you will need to enter a separate voucher code for each one. You can also redeem your cinema ticket vouchers at the box office.
The benefitsEarn 0.05% gross/AER variable on balances of £25,000 or more for 12 months from account opening. Earn 0.01% gross/AER variable on balances of £1-£24,999.99 for 12 months from account opening. You can have up to five Club Lloyds Saver accounts. You can name each one to help you save for different things.
Your cover is comprehensive, and includes:
- Emergency medical cover (up to £10,000,000).
- Cancellation or curtailment cover (up to £5,000).
- Personal accident cover (up to £30,000).
- Baggage cover (up to £2,500 (valuables up to £500 in total)).
- Travel disruption cover (up to £5,000).
Club Lloyds is a current account offering more to enjoy. As a Club Lloyds member, you can choose one Lifestyle Benefit per account per year. You can pick a different one for each account every year, as long as you remain a Club Lloyds customer.
Club Lloyds current account
| Interest Paid Monthly | Interest Paid Monthly |
|---|
| Interest Paid Monthly £1 up to £5,000 | Interest Paid Monthly 1.50% | 1.49% |
