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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.

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

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

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 or visit https://www.mobilephoneclaim.allianz.co.uk/HSBCClaim

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 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

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