Pick. Mix. Protect. Enjoy.
When you buy a new Select and Cover policy, choose from a pair of wireless ear buds (rrp £90), a night away or £40 cash back.
This offer is only available to HSBC UK customers who are registered for online banking. The cover must be purchased for a minimum of 30 days to qualify. T&Cs apply.
What is Select and Cover?
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.
Sign up online and your cover starts right away.
At a glance
- Cover your familyLive 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 optionsCreate 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 premiumIt 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
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
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
Motor Breakdown
- 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
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
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
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
| No. of options |
Monthly cost |
Annual cost |
|---|---|---|
3 |
£19.50 |
£234 |
4 |
£26.00 |
£314 |
5 |
£32.50 |
£390 |
6 |
£39.00 |
£468 |
£45.50 |
£546 |
| 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
|
|
| 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.
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.
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
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