Select and Cover

HSBC UK
Insurance
Products
Select and Cover

If you’re considering taking out Travel Insurance today, please remember that it’s designed to cover for unforeseen events. Because of rolling, global media coverage, coronavirus is now a known event. This means that depending on where you travel, you may not be covered for cancellation or abandonment. Before buying a policy and/or booking a trip, please read the policy documents (specifically page 28, Section D and point 2 within the ‘what’s not covered’ section). For more information, see our coronavirus guidance.

Protect the things you love

Select and Cover insures you and your family against a wide range of unforeseen events⁠ - from lost baggage to life⁠-changing moments - all in one policy.

To apply for Select and Cover you must be an HSBC UK customer with a bank, savings, mortgage or credit card account and you must be registered for online banking.

Already an HSBC customer?

How to apply

At a glance

Select from 7 different options

Choose at least 3 options from the list below and switch choices annually as your circumstances change. You can also add and remove 1 option during each year, so long as you maintain a minimum of 3.
Cover your family

Your spouse, domestic or civil partner and dependant children living with you are all covered too (under 18 years of age, or under 23 years of age if in full time education and living at home outside of term time).
Pay 1 simple monthly premium

A single monthly payment of £19.50 for 3 options. Add more options and we'll adjust the price.

Your choice of cover

Motor Breakdown

Cover at a glance:

Vehicle repairs at home or at the roadside
Transport home or to another UK destination
Transport includes you, the vehicle and up to 7 passengers

See information document (PDF) Motor Breakdown information document This link will open in a new window

Worldwide Travel

Cover at a glance:

Emergency medical treatment for illness or injuries
Missed departures, flight delays and cancelled trips
Maximum age is 70

See information document (PDF) Worldwide travel information document This link will open in a new window

Home Emergency

Cover at a glance:

Heating system repairs
Plumbing, drainage and electrical emergencies
Damage to roofing, external windows and doors

See information document (PDF) Home Emergency document This link will open in a new window

Mobile Phone

Cover at a glance:

Damage, theft and accidental loss
Breakdown after manufacturer warranty expires

Replacement provided
Up to 4 claims per year

See information document (PDF) Mobile Phone information document This link will open in a new window

Gadget

Cover at a glance:

Damaged tablets, laptops, netbooks, eReaders, headphones and wireless speakers
Plus cameras, smart watches, fitness trackers and portable game consoles

Breakdown after manufacturer warranty expires

Up to 4 claims per year

See information document (PDF) Gadget Cover information document This link will open in a new window

Starter Life

Cover at a glance:

£15,000 lump sum payment in the event of the death of you or your partner
£5,000 lump sum payment in the event of the death of your child
Maximum age is 50; applies to children under 18, or 23 if in full time education

See information document (PDF) Starter Life document This link will open in a new window

Excess Protection

Cover at a glance:

Claims for excess paid on other insurance policies, in the event a claim has been made
Includes motor, home, pet and travel insurance claims
Plus claims on HSBC Select and Cover options that include an excess

See information document (PDF) Excess Protection information document This link will open in a new window

More details

Make sure you're not duplicating cover

Does your mobile package already include insurance? When you purchased your new car did it come with breakdown insurance? Do you already have an annual travel insurance policy that won't run out for months?
You should review the terms and conditions of your existing cover and compare against the Select and Cover options that you are considering to understand what best meets your needs.

Simple pricing

Select and Cover costs £19.50 a month for 3 options. For every further option you add, we'll adjust the price. Here are the costs:

3 options — £19.50 a month (£234 a year)
4 options — £26.00 a month (£312 a year)
5 options — £32.50 a month (£390 a year)
6 options — £39.00 a month (£468 a year)
7 options — £45.50 a month (£546 a year)

You'll see the monthly cost as you make your selections when you apply.

Flexible options

You can switch choices annually as your circumstances change. You can swap all your options during an annual review period — we’ll send you a reminder to review your options on the anniversary of your policy.

You can also add and remove 1 option during each year, so long as you maintain a minimum of 3.

Immediate cover

If you sign up online your cover starts straight away and is continuous until you cancel your policy. So once you're covered, you're covered.

Kids included

The cover provided by each option is for you and your family, living at the address shown on your current policy schedule.

Cover for children will end on the policy anniversary after they turn 18 – or 23 if still in full-time education and living at home with you outside term time.

Excess and exclusions

You'll need to pay excess for claims on some options. Restrictions, exclusions, and T&Cs apply. See the information document for each choice above for further details.

Eligibility

To apply, you must be:

a UK resident
an HSBC UK customer with a bank, savings, mortgage or credit card account
18 or over
registered for online banking

Worldwide Travel eligibility requirements:

You are covered if you are aged between 18 and 70.
Your partner is covered if aged between 18 and 70.
Your children are covered if they are under 18 years of age (or under 23 years old of age 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 must be a resident of the UK.
Everyone insured must be liable to pay tax in the UK, and be registered with a local doctor.

Starter Life Cover eligibility requirements:

You are covered if you are aged between 18 and 50.
Your partner is covered if aged between 18 and 50.
Your children are covered if they are under 18 years of age (or under 23 years old 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.

Apply online

Registered for online banking?

If you're already registered, you can log on and apply now.

Log on and apply now for select and cover This link will open in a new window

Not registered?

Your Select and Cover product options are provided by Aviva Insurance Limited (“Aviva”), with the exception of Motor Breakdown cover, which is provided by RAC, and Starter Life cover, which is provided by HSBC Life (UK) Limited. HSBC UK Bank Plc acts as an insurance intermediary for Select and Cover.

When you click ‘log-on’ and enter your online banking credentials to access the HSBC Select and Cover platform, HSBC UK Bank plc will securely pass your personal information to our third party provider. This is to enable the online display of the Options that are available to you on HSBC Select and Cover and to enable the purchasing and servicing of your HSBC Select and Cover policy.

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

Existing customers

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.

Policy documents

Frequently asked questions

Do you need 3 or more of the options available?

Think about your personal circumstances – would it be better for you to buy individual products?

Make sure you're not duplicating cover, for example: do you have an annual travel insurance policy that won't run out for months? Does your mobile package already include insurance?

If you're looking to make sure you’re covered for something specific – such as breakdown insurance that covers you for home start – then check full details of what the policy covers in the Terms and Conditions.

It's continuing cover so you never have to worry about your policy running out because you haven't renewed it.

It runs month-to-month and you can cancel at any time with no exit fee - just check the Terms and Conditions to see how this works.

Note: Starter Life cover ends on the anniversary after you reach the age of 50.

Worldwide Travel cover ends on the anniversary after you reach the age of 70.

Select and Cover is exclusive to HSBC UK customers – so you won't find it anywhere else. Are you eligible? Check the full details.

Some products, such as Travel and Starter Life insurance, have age limits, so check the individual product details to see if you're eligible.

If you take out a policy it will also cover:

your spouse, domestic or civil partner who lives with you at the same address; and
any dependent children under 18 years of age who live at home with you (or 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 policy whether it’s related to an existing condition or a new condition.

Please check the Terms and Conditions for all of the information on ‘Your Health’ to understand what is and isn’t covered. For further assistance call us on 0345 051 1351.

Yes. Here’s how it works:

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 also cancel your policy at any time with no exit fee – just check the Terms and Conditions to see how this works. You won't be able to repurchase Select and Cover for 6 months after cancellation.

Protect the things you love

Already an HSBC customer?

At a glance

Your choice of cover

Motor Breakdown

Worldwide Travel

Home Emergency

Mobile Phone

Gadget

Starter Life

Excess Protection

More details

Make sure you're not duplicating cover

Simple pricing

Flexible options

Immediate cover

Kids included

Excess and exclusions

Eligibility

Additional eligibility conditions for Worldwide Travel and Starter Life insurance cover

Apply online

Registered for online banking?

Not registered?

Existing customers

Manage your policy

Make a claim

Policy documents

Frequently asked questions

Is Select and Cover right for me?

How long does Select and Cover last?

Who can get Select and Cover insurance?

Who counts as family with Select and Cover?

Do I need to tell you about any medical conditions?

Can I change my mind about the cover I choose?

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