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Insurance Aspects

A selection of benefits for home, abroad or on the road

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.

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 £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 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 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

 

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 Carphone Warehouse 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:

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 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, 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 or our supplier’s warranty 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 provided by The Carphone Warehouse Limited.
£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 or our supplier’s warranty 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 provided by The Carphone Warehouse Limited.

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

We’ve put together some FAQs to guide you through the new rules that have come into effect following Brexit. Please see our travel insurance Brexit FAQs.

It's easy to answer your query online. Visit our Help page to find out how.