Aspects

Existing HSBC Insurance Aspects customers

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

worldwide travel insurance (for eligible customers aged under 70)
24-hour motor breakdown assistance
mobile phone insurance

If you already have an Insurance Aspects policy with us, find out how you can make a claim.

Make an Insurance Aspects claim

We're making some changes to Insurance Aspects which will take effect from 01 August 2025, these include some changes to your policy documents. We’ve sent you a notice of variation, please read the Important Information table to find out more.

Worldwide travel insurance

Your worldwide travel insurance includes:

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.
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.
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.
Add optional upgrades for extended trip duration and increased cancellation cover.

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.

Worldwide travel insurance is provided by Aviva Insurance Limited. If you need to prove you have Travel Insurance, you can ask Aviva for confirmation of cover.

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.

Your Travel Policy Document (PDF, 519KB)

Insurance Product Information Document for customers aged under 70 (PDF, 853.9KB)

No, you no longer need to notify us before you travel. To find out more about managing your money whilst you travel, see using your card abroad.

Mobile phone insurance

Your mobile phone insurance is for contract and pay-as-you-go phones you own. It includes:

Worldwide cover for your mobile phone against loss, theft, breakdown (outside of warranty) or accidental damage.
no upper claim value limit
excess payable of £50 for repair, £75 for replacement.
Up to 2 claims per HSBC Insurance Aspects holder per policy year.
Claims are settled by repairing or replacing the phone. Replacement phones are refurbished models.

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.

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.

You can register your phone online or call 0800 001 4278.

Lines are open: Monday to Friday from 08:00 to 20:00

Saturday, Sunday and public holidays: 08:00 to 18:00

Your Mobile Phone Insurance Policy Document (PDF, 166KB)

Insurance Product Information Document for customers aged under 70 (PDF, 853.9KB

Insurance Product Information Document for customers aged over 70 (PDF, 347.2KB)

24-hour motor breakdown assistance

Your motor breakdown assistance includes:

Cover for 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.
Up to 5 call outs per year per account holder.
In some circumstances you may need to pay for a service that is covered under your policy yourself, such as a taxi, and claim this back from the RAC as stated in your policy terms and conditions. To do so, please submit the RAC Reimbursement form within 90 days of your breakdown.

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

Your Motor Breakdown Policy Document (PDF, 898.9KB)

RAC Reimbursement form (PDF, 142KB)

Insurance Product Information Document for customers aged under 70 (PDF, 853.9KB

Insurance Product Information Document for customers aged over 70 (PDF, 347.2KB)

How to make a claim

For details of how and when to make a claim, please visit our Insurance Aspects claim page.

Things to know

To remain eligible for Insurance Aspects you must:

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

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

HSBC Insurance Aspects fee

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

£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.

Cancelling your policy

If you decide to cancel your HSBC Insurance Aspects policy 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 your HSBC Insurance Aspects policy 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 your HSBC Insurance Aspects policy from your date of departure.

Frequently asked questions

Worldwide travel insurance

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.

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.

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.

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

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.

Mobile phone insurance

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.

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.

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.

You're covered by mobile phone insurance from the date you became an HSBC Insurance Aspects holder, or 1 November 2018, whichever is later until the policy is cancelled/terminated or you stop paying the account fee.

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

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).

Motor breakdown insurance

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.

Your cover starts as soon as you are an 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.

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

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

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.

Insurance Aspects

Existing HSBC Insurance Aspects customers

Worldwide travel insurance

Declaring medical conditions before travelling

Travel policy documents

Do I need to notify you to use my HSBC UK debit or credit card outside the UK?

Mobile phone insurance

Register your mobile phone

Mobile phone policy documents

24-hour motor breakdown assistance

Motor breakdown policy documents

How to make a claim

Things to know

HSBC Insurance Aspects fee

Cancelling your policy

Frequently asked questions

Worldwide travel insurance

Who's covered by this policy?

Can I extend the trip duration?

Are holidays in the UK covered?

Are business trips covered?

Am I covered if I go on a cruise?

Mobile phone insurance

What is covered by my mobile phone insurance policy?

Do I need to register my mobile phone?

Are accessories covered by my mobile phone insurance policy?

How long am I covered for?

Who is covered by my mobile phone insurance policy?

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

Motor breakdown insurance

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

How many times can I breakdown?

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

Who's covered?

Who provides the cover?

What number do I call if I breakdown?

Why do I need identification?

Explore more

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What to consider when buying insurance

How to make an insurance claim

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