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.

Coronavirus advice

For the latest coronavirus travel guidance, take a look at what’s covered under HSBC Travel Insurance.

Terms and Conditions (PDF, 497.8KB) for HSBC Insurance Aspects Download

Insurance Product Information Document (for customers under the age of 70) (PDF, 296KB) Download

Insurance Product Information Document (for customers aged 70 or above) (PDF, 228KB) Download

Eligibility criteria

To be eligible you must:

hold and pay the monthly fee from your HSBC Advance Account
be a UK resident

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

With effect from 31 May 2019 the HSBC Insurance Aspects fee is as follows:

£11.95 per month
£5.95 per month 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 are a new customer, find out more about our other Travel Insurance policy.

Stay protected with Worldwide Travel Insurance provided as part of HSBC Insurance Aspects. This Travel Insurance is underwritten 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 customers aged under 70*.

You must be registered with a Doctor in the UK in order to make any medical claims or claims for cancellation or coming home early due to medical emergencies.

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 your pre-booked transport is delayed for at least 12 hours
up to £5,000 of cover for cancelling or coming home early - refund of unrecoverable travel and accommodation costs if you're forced to cancel or cut short your trip. Includes cover for if your transport or accommodation provider or booking agent becomes insolvent or you can't travel or continue your trip because of 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 extra 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 cover

If you need to prove you have Travel Insurance, you can ask Aviva for confirmation of cover.

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

You can make non-emergency Travel Insurance claims online or by calling Aviva on +44 (0)1603 604 910.
For medical emergencies, call +44 (0)1603 605 142.

You can register your mobile phone(s) and make a Mobile Phone Insurance claim online or by calling Likewize on 0800 001 4278 (+44 1603 606 372 if calling from outside the UK).

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, 142KB) Download

Mobile Phone Insurance

Covers your mobile phone against loss, theft, breakdown (outside of warranty) or accidental damage up to a claim limit of £1,500 (less a £75 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 underwritten by Aviva Insurance Limited. While 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 Likewize as its agent to help administer your policy and deal with claims.

What’s covered
Cover	Included	Maximum Single Claim Limit (subject to excess)	Excess applicable
Damage, breakdown, theft and loss	during the period of cover, we’ll replace your phone if any of the following applies: - it’s 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) - it suffers a breakdown due to an internal fault happening after the manufacturer's warranty, or a warranty provided as part of a previous claim has expired - it’s lost or stolen 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	£1,500	£75
Unauthorised Use	If we replace your 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, breakdown, theft and loss
Included	during the period of cover, we’ll replace your phone if any of the following applies: - it’s 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) - it suffers a breakdown due to an internal fault happening after the manufacturer's warranty, or a warranty provided as part of a previous claim has expired - it’s lost or stolen 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
Maximum Single Claim Limit (subject to excess)	£1,500
Excess applicable	£75

Cover	Unauthorised Use
Included	If we replace your 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

Who's 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 dependent children under 23 years of age, if they're travelling with you or to stay with a close relative. All insured persons must be residents of the UK, Channel Islands or Isle of Man.

Do you need to know about any medical conditions?

You'll need to call the HSBC Medical Risk Assessment helpline on 08000 517 142 before booking a trip if, in the 12 months before making the booking or opening your account (whichever is later), an insured person:

has been prescribed medication, including newly-prescribed or repeat medication
has received or is awaiting medical treatment
has undergone or is awaiting tests or investigations
has been referred to or is under the care of a specialist or consultant
has been admitted to hospital or had surgery

You must also tell Aviva if:

any of the above happens for a condition you've already declared
there are any changes to prescribed medication
any of the conditions deteriorate

You should also tell Aviva after booking a trip but before you travel if:

an insured person is referred to a specialist or consultant or admitted to hospital because of a new condition or symptom, or a previously accepted condition
there's been any deterioration in an accepted condition you've already told us about
there's been a change in prescribed medication for an accepted condition you've already told us about

There's no cover where, at the time of opening your account or booking a trip (whichever is later), the insured person knew that their travel plans could reasonably be expected to be affected by the illness, injury or quarantine of:

a travelling companion
a person the insured was going to stay with
a close relative
a business colleague

Existing conditions are not covered at any time under this policy unless either of these applies:

the insured person only has conditions included in the list of accepted conditions in the policy terms and conditions
you’ve told Aviva about them and they’ve agreed in writing to provide cover

Can I extend the trip duration?

You may be able to purchase a policy upgrade for an individual trip to extend the duration up to a maximum of 120 days. Please call Aviva on 0800 328 1563 at the point of booking your trip, and one of their advisers will be happy to assist you.

Are holidays in the UK covered?

Yes. Holidays in the UK, Channel Islands or Isle of Man that involve a stay of at least 2 consecutive nights are covered.

They must also have either of the following:

pre-booked holiday accommodation in commercially-run premises
pre-paid bookings on public transport, including flights and ferries

Please see our definition of ‘pre-booked holiday accommodation’ in your policy document.

Are business trips covered?

Yes, if you travel outside the UK to carry out non-manual work such as administrative tasks, meetings and conferences, you're covered.

Am I covered if I go on a cruise?

Although this is not a specific cruise policy, cruises are covered as standard as they're simply a type of holiday. However, there is no cover for some things that special cruise policies may cover, for example, missed port, unused excursion and change of itinerary cover.

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 contractually responsible for any damage to the phone) for accidental damage, breakdown (outside of warranty), 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?

Cover applies worldwide, but we can only arrange a replacement phone when you're back in the UK (or the Channel Islands or the Isle of Man if you're resident there).