Select And Cover

HSBC UK
Insurance
Products
Select and Cover

Remember, travel insurance covers unexpected events. Please read the policy terms and conditions (PDF, 1.14MB) before taking out cover and/or booking a trip. For more information, see our coronavirus travel guidance.

Insurance made easy

Select and Cover helps to take the hassle out of buying insurance. You can pick and mix different types of cover to protect the people and things you love, all under one policy.

Choose 3 or more options, pay just one monthly premium – and cancel anytime. It's simple insurance and exclusive to HSBC customers.

Start building your cover

Who can apply?

Select and Cover is available to HSBC customers with a bank, savings, mortgage or credit card account, who are:

registered for online banking
a UK resident
at least 18 years old

Not yet registered for online banking? Register now.

Get £117 cashback on Select and Cover

Get 6 months' cashback on the first 3 covers when you buy Select and Cover within 60 days of joining HSBC Advance.

Apply for Advance by 5 July 2022. Only available to new online customers. Eligibility criteria and T&Cs apply (PDF, 93KB).

Join HSBC Advance

Discover the offer

Choose a gift with Select and Cover

Enjoy a break, whether it's in the UK or away. Get a night’s stay at a UK hotel or a travel hamper when you buy a new Select and Cover insurance policy.

Offer ends 31 May 2022. HSBC online customers only. Product and offer T&Cs (PDF, 54KB) and eligibility criteria apply.

Apply now

How multi-cover insurance works

Pick 3 or more options

Create the policy that suits you. You can add and remove 1 option each year and switch as many times as you like on the anniversary of your policy – as long as you keep a minimum of 3 types of cover.

Cover for you and your family

Relax knowing your family will be covered. This includes your partner and any children under 18 who live with you.

Plus, any children under 23 who are in full-time education, but are at home outside of term time.

One monthly fee

Prices start from just £19.50 a month for 3 options, which works out as £234 a year. If you'd like to add more options the prices are:

£26.00 for 4 options (£312 a year)
£32.50 for 5 options (£390 a year)
£39.00 for 6 options (£468 a year)
£45.50 for all 7 options (£546 a year)

Choose from 7 types of cover

Mobile Phone

Fed up with losing or damaging your phone? With this cover, you can make up to 4 claims a year to replace damaged, lost or stolen phones.

Gadget

Protect the portable gadgets in your home including laptops, headphones, games consoles and smart watches. You can make up to 4 claims a year.

Home Emergency

If your heating system, gas supply or plumbing fails, this emergency service will have you covered. It also covers problems with your roof, drains and wiring.

Motor Breakdown

Get vehicle repairs at home, at the roadside – even in Europe. Includes recovery assistance for any car that you, or your family are travelling in.

Worldwide Travel

Get 'complete coronavirus cover' (according to Which?) for you and your family, up to age 70. This means you're covered if you can't travel due to changes in government advice or because of a lockdown, but not if you travel against government advice. See what's covered.

Excess Protection

This cover will refund the excess you pay to make a claim. It applies to any motor, travel, home or pet insurance policy, and Select and Cover options that have an excess.

Starter Life

Life insurance that pays a fixed £15,000 lump sum if you, or your partner were to die, up to the age of 50. Or £5,000 for the death of a child.

Find out what's covered

Mobile Phone Insurance (PDF, 78KB) This link will open in a new window

Gadget Insurance (PDF, 77KB) This link will open in a new window

Worldwide Travel Insurance (PDF, 80KB) This link will open in a new window

Motor Breakdown Insurance (PDF, 79KB) This link will open in a new window

Home Emergency Insurance (PDF, 79KB) This link will open in a new window

Excess Protection Insurance (PDF, 76KB) This link will open in a new window

Starter Life Insurance (PDF, 94KB) This link will open in a new window

Things you should know

Avoid insurance overlap

Does your mobile phone package include insurance? Or, perhaps you already have an annual travel insurance policy with your bank account. Be sure to compare your existing insurance policies against the Select and Cover options you’re considering. This will help you to compare the costs and see if a multi-cover insurance policy could suit you.

Excesses and exclusions apply

For Mobile Phone, Gadget and some Worldwide Travel Insurance claims, you'll need to pay an insurance excess. If you include the Excess Protection option, you can get this refunded.

Useful documents

Eligibility criteria

Select and Cover is exclusively available to HSBC customers with a bank, savings, mortgage or credit card account, who are registered for online banking, UK residents and at least 18 years old.

Worldwide Travel Insurance

you need to be aged between 18 and 70
your partner is covered if they're aged between 18 and 70
your children are covered if they're under 18 years (or under 23 if in full time education and living at home outside of term time)
both your partner and your children will only be eligible for cover if you remain eligible
everyone insured is a resident of the UK and registered with a local doctor

Starter Life Insurance

you need to be aged between 18 and 50
your partner is covered if aged between 18 and 50
your children are covered if they're under 18 (or under 23 in full time education and living at home outside of term time)
both your partner and your children will only be eligible for cover if you remain eligible

Start building your policy

Use our interactive policy-builder to pick and mix your cover. It has all the information you need to create the policy that's right for you.

Log on to get started for select and cover This link will open in a new window

Not yet registered?

HSBC UK Bank Plc acts as an insurance intermediary for Select and Cover. Motor breakdown insurance is underwritten by RAC. Starter life insurance is underwritten by HSBC Life (UK) Limited. All other Select and Cover options are underwritten by Aviva Insurance Limited.

When you log on and enter your online banking credentials to apply, we’ll securely pass your personal information to Aviva, our third party provider. This helps you to build and purchase your Select and Cover policy, and helps us to provide you with a great service.

For more information on how we use your personal information, please read our Privacy Notice (PDF, 116KB)

Already have a Select and Cover policy?

Manage your policy

Check and manage your policy details or select different options.

Make a claim

Find out how to make a claim online or by phone.

Frequently Asked Questions

Think about your personal circumstances, and whether you need 3 or more of the options available.

Make sure you're not duplicating cover. For example, you may already have an annual travel insurance policy that won't run out for months, or your mobile phone package may already include insurance.

If you're looking to be covered for something specific, then check full details of what the policy covers in the Terms & Conditions (PDF, 1.14MB).

It runs month-to-month, so you'll never have to worry about your policy running out because you haven't renewed it. If you like, you can change your options on the anniversary of your policy, or can cancel at any time with no exit fee. Just check the Terms & Conditions (PDF, 1.14MB) to see how this works.

Keep in mind, Worldwide Travel cover ends on the anniversary after you reach the age of 70. Starter Life cover ends on the anniversary after you reach the age of 50.

If you take out a policy it will also cover:

your spouse, domestic or civil partner who lives with you at the same address
any dependent children under 18 years of age who live at home with you
any children under 23 if still in full-time education and living at home with you outside of term time

There's no need to complete lengthy medical declarations or make regular disclosures. And in most cases, sudden and unexpected changes will be covered by this Select and Cover policy, whether it’s related to an existing condition or a new condition.

There are some circumstances we won’t be able to cover, based on your health. Each time you travel you should check your circumstances are covered under the ‘Your health' section in the Terms & Conditions (PDF, 1.14MB). For further support, give us a call on 0345 051 1351.

If we can't cover you, then you may be able to get cover from a specialist insurer. The Money and Pensions Service has a list of these insurers, you can check its travel directory or call 0800 1387 777.

Please note, you may not be able to find cover for undiagnosed symptoms and you may need to wait until you have a diagnosis before getting cover elsewhere.

Yes, you can make unlimited changes to your selection within an initial 30-day cooling off period from the start of your policy.

We’ll also send you an annual reminder to review your policy and check it’s still right for you. For 30 days before your policy anniversary you can make unlimited changes to your selection. Changes will become effective from your policy anniversary.

In between the cooling off period and the anniversary window, you can also add 1 and remove 1 option from your selection, as long as you maintain a minimum of 3 options. The same applies in the periods between each subsequent anniversary window.

You can cancel your policy at any time with no exit fee – just check the Terms & Conditions (PDF, 1.14MB) to see how this works. You won't be able to repurchase Select and Cover for 6 months after you cancel.