Insurance Aspects

HSBC UK
Insurance
Insurance Aspects

Existing HSBC Insurance Aspects customers

Please note

HSBC Insurance Aspects is currently not available for new customers to purchase. This information is for Advance customers who hold HSBC Insurance Aspects.

Terms and Conditions (PDF) for HSBC Insurance Aspects Download

Changes to your HSBC Insurance Aspects effective 20 April 2019 Download

Insurance Product Information Document (for customers under the age of 70) (PDF) Download

Insurance Product Information Document (for customers aged 70 or above) (PDF) Download

Eligibility criteria

To be eligible you must:

Hold and pay the monthly fee from your HSBC Advance Account
Reside in the UK, Channel Islands or Isle of Man
Be registered with a doctor in the UK, Channel Islands or Isle of Man and liable for UK/local taxes

Important information

If you decide to cancel your HSBC Insurance Aspects it will not be possible to reinstate this in the future.

If you close your HSBC Advance Bank Account from which the monthly fee is paid, we will automatically close HSBC Insurance Aspects at the same time.

If you tell us that you are moving outside of the UK, Channel Islands or Isle of Man, we will close HSBC Insurance Aspects from your date of departure.

HSBC Insurance Aspects fee

£9.95 a month
£4.95 if all policy holders are aged 70 or above (does not include travel insurance)
This fee will be taken from your HSBC Advance Bank Account

Cover provided

Worldwide Travel Insurance (for eligible customers aged under 70)
24-hour Motor Breakdown Assistance
Mobile Phone Insurance

Worldwide Travel Insurance

Please note that Insurance Aspects is currently not available for new customers. If you require a Travel Insurance policy, please click here.

Stay protected with Worldwide Travel Insurance provided as part of HSBC Insurance Aspects. This Travel Insurance is provided by Aviva Insurance Limited and provides cover for you and your family on worldwide trips whether travelling by land, air or sea.

This insurance is available to customer aged under 70*.

Baggage cover for loss, theft or damage to your personal belongings
Up to £10 million of medical cover for emergency medical treatment and associated expenses
Disruption to your travel plans: Cover if you miss your pre-booked transport or if you're delayed after check-in for at least 12 hours
Up to £5000 cancellation and abandonment cover: Refund of non-recoverable travel and accommodation costs if you're forced to cancel or cut short your trip including cover for if your transport or accommodation provider or booking agent becomes insolvent or you're unable to travel or continue your trip due to a major incident such as a terrorist attack
Winter Sports cover. Up to 31 days of Winter Sports cover for loss, theft or damage to winter sports equipment. Also includes additional benefits for delays due to avalanche, ski pack, piste closures or injury or illness which prevents you from taking part in winter sports activities
Optional upgrades: Extended trip duration, increased cancellation and abandonment cover, increased cover for golf equipment and green fees

*Eligibility criteria: to be eligible for HSBC Insurance Aspects Worldwide Travel Insurance you must be aged under 70 at the start of your trip.

Summary of Cover

Below are some of the main features, exclusions and limits which apply to this travel insurance.
Section	What are the main benefits and features?	What are the significant or unusual exclusions or limitations?	Limit per insured person	Excess per insured person, per claim, per trip
Cancelling or coming home early	Refund of your own personal and non-recoverable travel and accommodation costs; or Proportionate refund of your unused and non-recoverable accommodation costs and, where applicable, reasonable costs to return home.	• Pre-existing medical conditions unless listed as an “Accepted condition” or disclosed to and accepted by us. • Any awareness, at the time of booking your trip, of possible reasons that could prevent you from travelling or continuing your trip.	Up to £5,000	£50
Travel Disruption	Travel Delay after Check-in A benefit if your pre-booked transport is delayed for more than 12 hours on your outward journey from the UK	• You must have checked in at the specified time.	£50 for each 12 hours you are delayed up to a maximum of £250	Nil
	Missed Departures Cover for extra travel and accommodation costs if you miss your pre-booked transport.	• You cannot claim the benefit for a missed departure if your trip is solely within the UK, Channel Islands or Isle of Man. • Any claim for a missed departure for a trip which was not pre-booked before you left the Channel Islands or Isle of Man • Any claim if you have not left sufficient time to reach your destination.	Up to £1,000 for missed departure	Nil
	Enforced Stay Abroad Cover if you are unable to return home on your scheduled return date due to airport, port or airspace closure.	• Any payment if you have not purchased a return ticket or confirmed your return date with your travel provider before the claim arises.	£100 for each full 24 hours that you are unable to return home up to a maximum of £1,500	Nil
Emergency Medical and Associated Expenses	Cover for emergency medical treatment and if necessary repatriation.	• Pre-existing medical conditions unless listed as an “Accepted condition” or disclosed to and accepted by us.	Up to £10,000,000 Lower limits apply for some associated expenses	£50
Accidental Death or Permanent Disability	Death, loss of limbs/sight or permanent total disablement following an accidental injury.	• Sickness, disease, nervous shock or a naturally occurring condition or degenerative process.	Up to £50,000 (£1,000 death benefit if aged under 16)	Nil
Legal Expenses	Cover to pursue a civil claim if you suffer personal injury or death during your trip.	• Any costs before your claim has been accepted.	Up to £50,000	Nil
Personal Liability	Cover for your legal liability if you cause accidental injury or death to third parties, or damage to their property.	• Claims arising from your job or the use of animals, firearms, motorised vehicles, vessels or aircraft.	Up to £2,000,000	£50 damage to temporary holiday accommodation
Your Possessions	Delayed Baggage A benefit to replace temporarily lost essential items.	• Any incident not reported to the police as soon as reasonably possible following discovery of the loss or theft. • Money or valuables not carried in your hand baggage whilst you are in transit. • Theft claims from locked property or motor vehicles when there is no evidence of forcible and violent entry. • Theft claims from unattended motor vehicles unless your belongings are left out of view.	Up to £150 for delayed baggage	Nil
	Baggage and personal money Cover for loss, theft or damage of your baggage, personal money or travel documents.		Up to £1,500 for baggage Up to £400 for any individual item Up to £500 for personal money	£50 baggage and personal money
	Emergency Travel Documents Cover for the cost of an emergency passport or visa and travel and accommodation costs if you cannot use your return ticket.		Up to £750 emergency travel document expenses	Nil
Winter Sports Cover	Cover for loss, theft or damage to winter sports equipment. Also covers additional benefits for delays due to avalanche, ski pack, piste closure or injury or illness.	• Winter sports equipment left in a motor vehicle. • Damage to hired winter sports equipment while being used. • Theft claims from locked property when there is no evidence of forcible or violent entry.	Up to £500 equipment Up to £200 avalanche delay Up to £300 piste closure Up to £500 ski pack	£50 for equipment

Summary of Cover

Below are some of the main features, exclusions and limits which apply to this travel insurance.
Section	Cancelling or coming home early
What are the main benefits and features?	Refund of your own personal and non-recoverable travel and accommodation costs; or Proportionate refund of your unused and non-recoverable accommodation costs and, where applicable, reasonable costs to return home.
What are the significant or unusual exclusions or limitations?	• Pre-existing medical conditions unless listed as an “Accepted condition” or disclosed to and accepted by us. • Any awareness, at the time of booking your trip, of possible reasons that could prevent you from travelling or continuing your trip.
Limit per insured person	Up to £5,000
Excess per insured person, per claim, per trip	£50

Section	Travel Disruption
What are the main benefits and features?	Travel Delay after Check-in A benefit if your pre-booked transport is delayed for more than 12 hours on your outward journey from the UK
What are the significant or unusual exclusions or limitations?	• You must have checked in at the specified time.
Limit per insured person	£50 for each 12 hours you are delayed up to a maximum of £250
Excess per insured person, per claim, per trip	Nil

Section	Missed Departures Cover for extra travel and accommodation costs if you miss your pre-booked transport.
What are the main benefits and features?	• You cannot claim the benefit for a missed departure if your trip is solely within the UK, Channel Islands or Isle of Man. • Any claim for a missed departure for a trip which was not pre-booked before you left the Channel Islands or Isle of Man • Any claim if you have not left sufficient time to reach your destination.
What are the significant or unusual exclusions or limitations?	Up to £1,000 for missed departure
Limit per insured person	Nil
Excess per insured person, per claim, per trip

Section	Enforced Stay Abroad Cover if you are unable to return home on your scheduled return date due to airport, port or airspace closure.
What are the main benefits and features?	• Any payment if you have not purchased a return ticket or confirmed your return date with your travel provider before the claim arises.
What are the significant or unusual exclusions or limitations?	£100 for each full 24 hours that you are unable to return home up to a maximum of £1,500
Limit per insured person	Nil
Excess per insured person, per claim, per trip

Section	Emergency Medical and Associated Expenses
What are the main benefits and features?	Cover for emergency medical treatment and if necessary repatriation.
What are the significant or unusual exclusions or limitations?	• Pre-existing medical conditions unless listed as an “Accepted condition” or disclosed to and accepted by us.
Limit per insured person	Up to £10,000,000 Lower limits apply for some associated expenses
Excess per insured person, per claim, per trip	£50

Section	Accidental Death or Permanent Disability
What are the main benefits and features?	Death, loss of limbs/sight or permanent total disablement following an accidental injury.
What are the significant or unusual exclusions or limitations?	• Sickness, disease, nervous shock or a naturally occurring condition or degenerative process.
Limit per insured person	Up to £50,000 (£1,000 death benefit if aged under 16)
Excess per insured person, per claim, per trip	Nil

Section	Legal Expenses
What are the main benefits and features?	Cover to pursue a civil claim if you suffer personal injury or death during your trip.
What are the significant or unusual exclusions or limitations?	• Any costs before your claim has been accepted.
Limit per insured person	Up to £50,000
Excess per insured person, per claim, per trip	Nil

Section	Personal Liability
What are the main benefits and features?	Cover for your legal liability if you cause accidental injury or death to third parties, or damage to their property.
What are the significant or unusual exclusions or limitations?	• Claims arising from your job or the use of animals, firearms, motorised vehicles, vessels or aircraft.
Limit per insured person	Up to £2,000,000
Excess per insured person, per claim, per trip	£50 damage to temporary holiday accommodation

Section	Your Possessions
What are the main benefits and features?	Delayed Baggage A benefit to replace temporarily lost essential items.
What are the significant or unusual exclusions or limitations?	• Any incident not reported to the police as soon as reasonably possible following discovery of the loss or theft. • Money or valuables not carried in your hand baggage whilst you are in transit. • Theft claims from locked property or motor vehicles when there is no evidence of forcible and violent entry. • Theft claims from unattended motor vehicles unless your belongings are left out of view.
Limit per insured person	Up to £150 for delayed baggage
Excess per insured person, per claim, per trip	Nil

Section	Baggage and personal money Cover for loss, theft or damage of your baggage, personal money or travel documents.
What are the main benefits and features?	Up to £1,500 for baggage Up to £400 for any individual item Up to £500 for personal money
What are the significant or unusual exclusions or limitations?	£50 baggage and personal money
Limit per insured person
Excess per insured person, per claim, per trip

Section	Emergency Travel Documents Cover for the cost of an emergency passport or visa and travel and accommodation costs if you cannot use your return ticket.
What are the main benefits and features?	Up to £750 emergency travel document expenses
What are the significant or unusual exclusions or limitations?	Nil
Limit per insured person
Excess per insured person, per claim, per trip

Section	Winter Sports Cover
What are the main benefits and features?	Cover for loss, theft or damage to winter sports equipment. Also covers additional benefits for delays due to avalanche, ski pack, piste closure or injury or illness.
What are the significant or unusual exclusions or limitations?	• Winter sports equipment left in a motor vehicle. • Damage to hired winter sports equipment while being used. • Theft claims from locked property when there is no evidence of forcible or violent entry.
Limit per insured person	Up to £500 equipment Up to £200 avalanche delay Up to £300 piste closure Up to £500 ski pack
Excess per insured person, per claim, per trip	£50 for equipment

Summary of Travel Insurance cover (PDF) Download

You can register your Mobile devices and make a Mobile Phone Insurance claim online using the link below

Manage my policy

Please note this link should only be used for claims on incidents on or after the 1st of November 2018.

For claims where the incident occurred before this date please contact Allianz Insurance on 0330 102 1918.

24 hour Motor Breakdown Assistance

Motor Breakdown Assistance covers you as a driver or passenger of any eligible vehicle for breakdowns which occur at your home address or on the road in the UK.

You can benefit from up to 5 call outs per year per account holder.

Save the helpline number so you've got it to hand in an emergency: 08000 014 279 or 01603 606 377 (calls to this number are charged at your standard network rate).

HSBC Insurance Aspects Motor Breakdown Assistance is provided by RAC Motoring Services and administered by Aviva Insurance Limited.

In some circumstances, you may need to pay for a service that is covered under your policy yourself, such as paying for a taxi, and claim this back from the RAC, as stated in your policy terms and conditions.

You can use this form to request your reimbursement from the RAC – please note you must request this within 90 days of your breakdown:

RAC Reimbursement form (PDF) Download

Mobile Phone Insurance

Covers your mobile phone against loss, theft or accidental damage up to a claim limit of £1,000 less a £50 excess.

Includes worldwide cover
You must own the phone and be a UK resident
Your phone can be on contract or Pay-as-you-go
Maximum 2 claims per HSBC Insurance Aspects holder per policy year
All customers must be 18 or over

Mobile phone insurance is provided by Aviva Insurance Limited. Whilst Aviva will be the insurer of this policy and will remain liable to you under the terms and conditions of this policy, it will use The Carphone Warehouse Limited as its agents to help administer your policy and deal with claims.

What’s covered
Cover	Included	Maximum Single Claim Limit (subject to excess)	Excess applicable
Damage, theft and loss	During the period of cover, we’ll repair or replace your phone if it is damaged (sudden and unexpected damage that affects the way the phone works – including a cracked screen, liquid damage, or a deliberate act by someone other than you) or if it is lost or stolen. If we replace your phone, we’ll also replace your battery and charger if they are damaged, lost or stolen in the same incident as the phone (or if we replace your phone with a different make or model and this means you can no longer use them. Cover applies worldwide, but a replacement phone can only be arranged when you’re back in the UK (or the Channel Islands or the Isle of Man if you are resident there). The replacement phones we provide are refurbished models which come with a warranty provided by The Carphone Warehouse Limited.	£1,000	£50
Unauthorised Use	If we replace you’re phone following a valid claim for theft or loss, we’ll also cover costs you have to pay due to unauthorised use of your phone in respect of calls, texts and mobile data incurred up to 24 hours after you realise your phone is missing (48 if you’re abroad). You should report the loss or theft to their network provider as soon as possible and you’ll need to provide us with evidence of the charges.	£1,500 for monthly contract and £150 for PAYG	N/A

What’s covered
Cover	Damage, theft and loss
Included	During the period of cover, we’ll repair or replace your phone if it is damaged (sudden and unexpected damage that affects the way the phone works – including a cracked screen, liquid damage, or a deliberate act by someone other than you) or if it is lost or stolen. If we replace your phone, we’ll also replace your battery and charger if they are damaged, lost or stolen in the same incident as the phone (or if we replace your phone with a different make or model and this means you can no longer use them. Cover applies worldwide, but a replacement phone can only be arranged when you’re back in the UK (or the Channel Islands or the Isle of Man if you are resident there). The replacement phones we provide are refurbished models which come with a warranty provided by The Carphone Warehouse Limited.
Maximum Single Claim Limit (subject to excess)	£1,000
Excess applicable	£50

Cover	Unauthorised Use
Included	If we replace you’re phone following a valid claim for theft or loss, we’ll also cover costs you have to pay due to unauthorised use of your phone in respect of calls, texts and mobile data incurred up to 24 hours after you realise your phone is missing (48 if you’re abroad). You should report the loss or theft to their network provider as soon as possible and you’ll need to provide us with evidence of the charges.
Maximum Single Claim Limit (subject to excess)	£1,500 for monthly contract and £150 for PAYG
Excess applicable	N/A

Please refer to policy Terms and Conditions for full details and further information.

Frequently Asked Questions

To help you understand what you are covered for at a glance, we've highlighted some common questions below.

Who is covered by this policy?

Cover is for you, the HSBC Insurance Aspects holder(s), your domestic partner (providing you are both under 70 years of age at the start date of your trip), and your children travelling with you if they are under 18 years of age (or under 23 if in full time education and living with you outside of term time). All insured persons must be residents of the UK, Channel Islands or Isle of Man.

Do I need to tell you that I am travelling?

No. As long as you have told us about any relevant pre-existing medical conditions you do not need to register with us or tell us that you are travelling.

Do you need to know about any medical conditions?

You will need to call the HSBC Medical Risk Assessment Helpline on 08000 517 142 before booking your trip if you or any insured person in the last 12 months has been prescribed medication, have received or are awaiting medical treatment, tests or investigations, been referred to a specialist or admitted to hospital for any condition not listed on the accepted conditions list in the Your Health section of the policy booklet. You should also tell us before you travel if there has been any changes to your health or you have been referred to a consultant/specialist or admitted to hospital.

There is no cover for undiagnosed symptoms or any claim where you knew at the time of opening your HSBC Insurance Aspects or booking your trip (whichever is later) that you or your travelling companion may be unable to travel or may need to come home early e.g. illness of a close relative or travel companion.

Pre-existing conditions are not covered at any time under the policy unless listed within the accepted conditions list or have been disclosed to and accepted in writing by the HSBC Medical Risk Assessment Helpline.

What is the maximum trip length?

Trips should be no longer than 31 days and must start and end in the UK, Channel Islands or Isle of Man. However, when booking your trip, you may be able to purchase an upgrade to cover an extended duration.

What upgrades are available on this policy?

The following upgrades may be available for an additional cost: extended trip duration up to a maximum of 120 days; increased cancellation/abandonment cover to £7,500 per person; increased cover for golf equipment and fees. For further information please see your policy document.

Are holidays in the UK covered?

Yes. Holidays in the UK, Channel Islands or Isle of Man need to involve a stay of at least 2 consecutive nights in pre-booked holiday accommodation. Please see our definition of "pre-booked holiday accommodation" in your policy document.

Are winter sports holidays covered?

Yes. Winter sports holidays are covered for up to a maximum of 31 days in any calendar year. Please see the full details of what's covered in your policy document.

Are Business Trips covered?

Yes. If you travel outside of the UK to carry out office-based clerical or administrative duties you are covered up to a maximum of 31 days in any calendar year. We do not cover any other type of business travel even if you have some free leisure time during your trip.

Can I claim for cancellation of my trip if I have a problem with my travel documents eg my passport is out of date/not arrived in time or visa is invalid?

No. There is no cover under this policy for problems with your travel documents before you leave. If your passport is lost, stolen or damaged once you are abroad there is cover to help you in this situation. Please see the Emergency Travel Document Expenses section in your policy document. Before you book a trip, check the entry requirements of the country you intend to visit with the local government embassy and/or the Foreign & Commonwealth Office website.

How do I make a claim?

To make a claim please call the relevant number shown on the Get In touch page and refer to the information in your policy document.

Get in touch for Insurance Aspects travel insurance Opens in overlay

Am I covered for terrorism?

Yes, if a terrorist event happens within a 50 mile radius of where you are staying, you can cancel your trip or come home early if you no longer feel safe to travel.

What happens if my flight is cancelled?

We'll cover you for cancellation if your flight is cancelled and the carrier is unable to offer you an alternative flight within 24 hours.

Will you come out if I'm the passenger rather than the driver?

Yes, with HSBC Motor Breakdown Assistance, cover is personal to the HSBC Insurance Aspects holder and so you're covered whether you're the driver or passenger of an eligible vehicle. However, please remember that the HSBC Insurance Aspects holder must be with the vehicle when the incident occurred and when assistance arrives otherwise assistance may not be provided.

How many times can I breakdown?

You can call us out up to 5 times per year per account holder.

How soon will I be covered once I take up HSBC Insurance Aspects?

Your cover starts as soon as you are a HSBC Insurance Aspects holder or 1 November 2018 whichever is later. However, breakdowns that occur before you take up HSBC Insurance Aspects are not covered.

Who's covered?

Anyone named as a HSBC Insurance Aspects holder is covered for Motor Breakdown Assistance.

Who provides the cover?

Cover is provided by RAC Motoring Services and administered by Aviva Insurance Limited.

What number do I call if I breakdown?

Contact the callout helpline number for assistance as soon as you can on 08000 014 279 or 01603 606 377.

Why do I need identification?

Cover is restricted to HSBC Insurance Aspects holders, and so to ensure that you are able to have assistance, it may be necessary to confirm that you are the policyholder.

What is covered by my Mobile Phone Insurance policy?

Mobile phone Insurance covers phones you own (including phone contracts where you will become the owner at the end of the contract, or where you are responsible for any damage to the phone) for accidental damage, loss and theft.

Do I need to register my mobile phone?

Your mobile phone is automatically covered. However, we recommend you register your mobile phone in advance to make the process of making a claim easier.

Are accessories covered by my Mobile Phone Insurance policy?

The battery and charger are covered if they are lost, damaged or stolen in the same incident but no other accessories are covered by this insurance.

How long am I covered for?

You are covered by Mobile Phone Insurance from the date you became an HSBC Insurance Aspects holder, or 1^st November 2018, whichever is later until the policy is cancelled/terminated or you stop paying the account fee.

Who is covered by my Mobile Phone Insurance policy?

Your policy covers you (the policyholder), any joint account holder and anyone temporarily using the phone with your permission.

What if I'm abroad and my mobile phone is lost or stolen?

You have worldwide cover. You'll need to report any theft to the local police and contact us as soon as possible, to start the claim process. You will need to report the loss or theft of your mobile phone to your network provider.

Existing HSBC Insurance Aspects customers

Please note

Eligibility criteria

Important information

HSBC Insurance Aspects fee

Cover provided

Worldwide Travel Insurance

Summary of Cover

Summary of Cover

24 hour Motor Breakdown Assistance

Mobile Phone Insurance

What’s covered

What’s covered

Frequently Asked Questions

HSBC Insurance Aspects Worldwide Travel Insurance

HSBC Insurance Aspects Motor Breakdown Insurance

HSBC Insurance Aspects Mobile Phone Insurance

Customer support