Select And Cover

HSBC UK
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Select and Cover

Coronavirus is a known event so depending on where and when you travel, travel insurance may not cover you for cancelling or cutting short your trip. Before buying a new policy or booking a trip, read the policy documents carefully. For details of the coronavirus cover offered through HSBC travel policies, see our travel guidance.

What is Select and Cover?

Select and Cover is a multi-cover insurance policy that protects you, your family and the things you love for one monthly fee.

From broken gadgets to lost baggage, it provides comprehensive cover against a wide range of drops, accidents and mishaps⁠ – all under one policy.

There are 7 types of cover on offer, from mobile phone insurance and gadget insurance to worldwide travel insurance. You simply choose those covering the things that are the most important to you.

Already an HSBC customer?

How to apply

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.

At a glance

Cover your family

Live with a partner and kids? If your children are under 18 – or under 23, in full-time education and at home outside term time – they’re all covered.
Choose 3 or more options

Create the policy that suits you now. As your needs change, you can add and remove 1 option each year or switch any number of them on the anniversary of your policy, providing you keep a minimum of 3 options.
Pay 1 monthly premium

It starts at £19.50 a month for 3 options. And there’s no fixed duration so you can cancel at any time.

How we use your information

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).

Your multi-cover insurance options

Mobile Phone

Cover at a glance:

accidental damage, breakdown, loss and theft including accessories
covers all the mobile phones in your household
replacement provided with warranty
unauthorised use of calls, texts and mobile data
up to 4 claims per year

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

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Gadget

Cover at a glance:

accidental damage, breakdown, loss and theft including accessories
covers tablets, laptops, netbooks, eReaders, headphones and wireless speakers
plus, cameras, smart watches, fitness trackers and portable game consoles
up to 4 claims per year

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

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Worldwide Travel

Cover at a glance:

emergency medical treatment for illness or injuries
missed departures, flight delays and cancelled trips
lost or damaged baggage, including golfing and winter sports equipment
cover up to the age of 70

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

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Motor Breakdown

Cover at a glance:

comprehensive service with vehicle repairs both at home and the roadside
includes European cover
transport home or to another UK destination
transport includes you, the vehicle and up to 7 passengers

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

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Home Emergency

Cover at a glance:

emergency repairs available 24 hours a day
boiler and heating system repairs
plumbing, drainage and electrical emergencies
damage to roofing, external windows and doors
pest infestations

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

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Starter Life

Cover at a glance:

£15,000 lump sum payment if you or your partner were to die
£5,000 lump sum payment if your child was to die
maximum age is 50; applies to children under 18, or 23 if in full-time education
pre-existing conditions not covered for the first 12 months

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

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Excess Protection

Cover at a glance:

refunds your excess if you make a claim on many types of insurance policies
includes motor, home, pet and travel insurance claims
includes claims on any Select and Cover options that have an excess

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

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How much does it cost?

With Select and Cover, you spread your insurance costs throughout the year. It starts at £19.50 a month for 3 options. Here's is a breakdown of the costs:
No. of options	Monthly cost	Annual cost
3	£19.50	£234
4	£26.00	£314
5	£32.50	£390
6	£39.00	£468
7	£45.50	£546

How much does it cost?

With Select and Cover, you spread your insurance costs throughout the year. It starts at £19.50 a month for 3 options. Here's is a breakdown of the costs:
No. of options	3
Monthly cost	£19.50
Annual cost	£234

No. of options	4
Monthly cost	£26.00
Annual cost	£314

No. of options	5
Monthly cost	£32.50
Annual cost	£390

No. of options	6
Monthly cost	£39.00
Annual cost	£468

No. of options	7
Monthly cost	£45.50
Annual cost	£546

Is Select and Cover right for you?

Whether you’re single, living with a partner or have a growing family, Select and Cover could make a lot of sense. With multi-cover insurance, you combine everything under one policy, making it easy to manage your policy and make claims.

Avoid insurance overlap

Does your mobile phone 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 – perhaps with your bank account?

Compare your existing policies against the Select and Cover options you’re considering to work out if a multi-cover insurance policy could meet your needs.

And remember to compare costs too. You might find that moving your travel, mobile and gadget insurance to a Select and Cover policy could save you money.

Flexible insurance 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. Keep in mind that if you remove an option, you won’t be able to add that option back again for at least 6 months.

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.

The only exception is if you take out the Starter Life option, there is no cover for the first 12 months for death as a result of a medical condition you knew about when you took out the policy.

Excess and exclusions

You'll need to pay an excess for claims on some options. Restrictions, exclusions, and terms and conditions apply. See the information documents above for more details.

Pre-existing medical conditions

There are some circumstances we won’t be able to cover, based on your health. You should check your circumstances are covered under the ‘Your health section’ in the terms and conditions before booking your trip.

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.

Are you eligible?

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 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 for multi-cover insurance today

Registered for online banking?

If you're registered for online banking, log on now to start building your cover.

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

Not yet registered?

It’s easy to register. And once you receive your security details, you can apply online.

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 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).

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.

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 & 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 & 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 & Conditions to see how this works. You won't be able to repurchase Select and Cover for 6 months after cancellation.

What is Select and Cover?

Already an HSBC customer?

At a glance

How we use your information

Your multi-cover insurance options

Mobile Phone

Gadget

Worldwide Travel

Motor Breakdown

Home Emergency

Starter Life

Excess Protection

How much does it cost?

How much does it cost?

Is Select and Cover right for you?

Avoid insurance overlap

Flexible insurance options

Immediate cover

Excess and exclusions

Pre-existing medical conditions

Are you eligible?

Additional eligibility criteria for Worldwide Travel and Starter Life insurance

Apply for multi-cover insurance today

Registered for online banking?

Not yet registered?

Already have a Select and Cover policy?

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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