Haris Ashley
Nationwide is a Fortune 100 company that offers a full range of insurance and financial services across the United States. The company provides various insurance policies, including auto, homeowners, motorcycle, boat, and RV insurance. They also offer a mobile app that allows customers to pay bills, contact an agent, file claims, and access insurance information. One of the insurance options available through Nationwide is home and contents insurance, which covers up to £50,000 worth of goods in the home. While the standard policy does not cover mobile phones, customers can add the optional Out and About cover to protect their devices worldwide. Alternatively, customers can open a FlexPlus current account, which includes worldwide family phone insurance as an added benefit. This option covers all of the family's devices against loss, theft, and accidental damage.
| Characteristics | Values |
|---|---|
| Phone Insurance | Not covered under the standard policy |
| Home and Contents Insurance | Covers up to £50,000 worth of goods in the home |
| Optional Out and About Cover | Covers devices and gadgets worldwide for 90 days |
| FlexPlus Current Account | Provides worldwide family phone insurance as an added benefit |
| Number of Claims | Limited to 4 claims per year |
| Excess Charges | Up to £125 |
| Monthly Account Maintenance | Costs £13 per month |
| Auto Insurance | Available through the Nationwide app |
Explore related products
What You'll Learn
Home and contents insurance
Nationwide offers home and contents insurance that covers up to £50,000 worth of goods in the home. This includes buildings insurance and contents insurance, which can be purchased together or separately. The standard policy does not cover mobile phones and gadgets, but you can add the optional 'Out and About' cover, which will protect your devices worldwide (for 90 days). Another way to get mobile phone insurance from Nationwide is by taking out a FlexPlus current account, which includes worldwide family phone insurance as an added benefit.
Nationwide's home insurance includes several types of coverage:
- Dwelling: Pays to rebuild or repair your home, including the physical structure, and any permanent fixtures, appliances, or attached structures.
- Contents: Pays to repair or replace items inside your house, covering the actual cash value or replacement cost value of your belongings.
- Other structures: Covers structures not attached to your house, such as a shed, fence, or detached garage.
- Personal liability: Provides financial protection if you are at fault for an injury or damage to someone's property that occurs in your home.
- Medical payments to others: Pays for medical or funeral expenses for someone injured on your property.
Nationwide also offers optional extras that can be added to your policy, such as roof coverage and personal umbrella insurance. You can also get hazard insurance, renters insurance, and coverage for condos. It is important to review the coverage and limits of your policy, as well as understand what is and isn't covered, to ensure your home is adequately protected.
The Intricacies of Reciprocal Insurance: Unraveling the Unique Concept in the Industry
You may want to see also
Explore related products
![Mkeke for iPhone 17 Screen Protector 3 Pack, [9H+ Hardness] [Military-Grade Drop Protection] [Sensitive Touch] [Easy Installation] [HD Clear] Full Edge Coverage Tempered Glass for 6.3 inch](https://m.media-amazon.com/images/I/81n-pFnQpfL._AC_UY218_.jpg)
![GolbinBox Magnetic for iPhone 17 Pro Max Case, Compatible with MagSafe, [Full Camera Protection] [Screen Protector], Silicone Shockproof Phone Cover with Anti-Scratch Microfiber Lining, Black](https://m.media-amazon.com/images/I/71CTdSKEnhL._AC_UY218_.jpg)
![FNTCASE for iPhone 17 Phone Case: Magnetic Translucent Matte [Full Covered Camera Protection] [Screen Protector] Military Grade Shockproof Slim Cover Drop Proof Protective Cases - Black](https://m.media-amazon.com/images/I/71sOIJM3blL._AC_UY218_.jpg)
![Magnetic for iPhone 11 Phone Case Silicone, Compatible with MagSafe, [Full Camera Protection][Screen Protector] Slim Shockproof Protective Case for iPhone 11 6.1", Blackcurrant](https://m.media-amazon.com/images/I/81e0IcXkj7L._AC_UY218_.jpg)
Out and About cover
Nationwide offers a range of insurance services, including home and contents insurance. While the standard policy does not cover mobile phones and gadgets, you can add optional 'Out and About' cover to your contents insurance policy. This will cover your devices and gadgets within the house and worldwide (for 90 days).
Nationwide's 'Out and About' cover is an optional extra to their contents insurance policy. It provides protection for your mobile devices and gadgets, not just in your home but also when you are 'out and about'. This means that if you accidentally damage, lose, or have your phone stolen, you can make a claim on your insurance policy to have it repaired or replaced. This cover is available worldwide for up to 90 days, giving you peace of mind when travelling.
The 'Out and About' cover is particularly useful if you have expensive gadgets or frequently travel with valuable devices. It covers a range of scenarios, from theft to accidental damage, ensuring that you are not left with a hefty bill if something unexpected happens.
However, it is important to note that adding optional extras like 'Out and About' cover will increase your monthly premiums. Additionally, making a claim under this cover will result in increased premiums across the board, not just for the item you claimed for. Therefore, while 'Out and About' cover provides valuable protection for your devices, it is important to consider the potential costs involved.
Nationwide also offers other ways to obtain mobile phone insurance, such as through their FlexPlus current account, which includes worldwide family phone insurance as an added benefit. This covers all your family's devices against loss, theft, and accidental damage.
Becoming a Leading Insurance Marketing Firm in India
You may want to see also
Explore related products
![SUPFINE Designed for iPhone 11 Case,Premium Liquid Silicone with [Soft Anti-Scratch Microfiber Lining][Upgraded Camera Protection] Slim Shockproof Phone Case for Men Women Girls,Blackcurrant](https://m.media-amazon.com/images/I/610gSkBrBSL._AC_UY218_.jpg)
![Miracase Magnetic for iPhone 17 Pro Case 6.3" [Compatible with MagSafe] Full-Body Phone Case with Built-in Glass Screen Protector & Camera Control,Drop Proof iPhone 17 Pro Cover, Clear](https://m.media-amazon.com/images/I/81IcebKFPUL._AC_UY218_.jpg)
![Magnetic for iPhone 13 Pro Max Case, Compatible with MagSafe, [Full Camera Protection][Screen Protector] Silicone Shockproof Protective Phone Case for iPhone 13 Pro Max 6.7", Blackcurrant](https://m.media-amazon.com/images/I/71kHmRKp+VL._AC_UY218_.jpg)
FlexPlus current account
The FlexPlus current account from Nationwide is a packaged bank account that combines a current account with insurance products and other benefits. It costs £18 per month to maintain the account, and you must be 18 or over to apply.
The account includes worldwide family mobile phone insurance from Assurant, covering loss, theft, damage, breakdown, or faults. Phones are covered up to a value of £2,000 per claim, and you can make up to four claims per account in any 12-month period. Accessories lost, stolen, or damaged at the same time as the mobile phone are also included. You can make and monitor claims through an online portal or over the phone.
In addition to mobile phone insurance, the FlexPlus account also provides worldwide family travel insurance from Aviva Insurance Limited, covering trips up to 31 days. This includes cover for loss, theft, or accidental damage to winter sports equipment. FlexPlus also offers vehicle breakdown cover in the UK and Europe, including any eligible vehicle you're travelling in and any vehicles you own, even if someone else is driving.
The FlexPlus account may be a good option for families with multiple dependents who take regular holidays abroad and have expensive mobile phones. However, it may not be worth the monthly price if you don't travel often, only have a basic mobile phone, or frequently use your overdraft due to the high interest rates.
Understanding Orthodontic Insurance: Billing Brace Treatments
You may want to see also
Explore related products
![Magnetic for iPhone 16 Plus Case, Compatible with MagSafe, [Full Camera Protection][Screen Protector] Silicone Shockproof Protective Phone Case for iPhone 16 Plus 6.7", Black](https://m.media-amazon.com/images/I/71I427XNAPL._AC_UY218_.jpg)
![PEHAEL 3+3Pack for iPhone 16 Pro Privacy Screen Protector with Camera Lens Protector Full Coverage Anti-Spy Tempered Glass Film 9H Hardness Easy Installation Bubble Free [6.3 inch]](https://m.media-amazon.com/images/I/61wRmsYo6rL._AC_UY218_.jpg)
Loss, theft, and accidental damage
Nationwide offers phone insurance through its FlexPlus current account. This account provides worldwide family mobile phone insurance from Assurant, covering your phones for loss, theft, damage, or breakdown. The insurance covers mobile phones owned by you or your family members up to a value of £2,000 (including VAT) per claim. Accessories lost, stolen, or damaged at the same time as your mobile phone are also included, with certain limits.
To be eligible for this insurance, you must pay £18 a month to maintain a FlexPlus current account. It is not possible to have a FlexPlus account without the insurance or the insurance without a FlexPlus account. You can make up to four claims per account in any 12-month period, with excesses ranging from £30 to £100.
In the event of loss, theft, or accidental damage, you can file a claim online or over the phone. You can also use the Nationwide mobile app to file a claim and collect insurance information. It is recommended to register your mobile phone details upfront to improve your experience.
It is important to note that there are some exclusions and limitations to the insurance coverage. For example, it does not cover incidents where you have not taken care of your mobile phone or unauthorised network charges reported later than 24 hours after the incident. Additionally, it does not cover the cost of postage and packaging for accidental damage or breakdown claims if you send your phone for repair.
Understanding the Term Booster: Unlocking the Full Potential of Your Insurance Policy
You may want to see also
Explore related products
Auto and property insurance
Nationwide offers a full range of insurance and financial services, including auto and property insurance.
Auto Insurance
Nationwide offers auto insurance for cars, motorcycles, and other vehicles. They provide roadside assistance, including towing and jump-starting services. Discounts and savings are available, and you can get a quote online or through a local agent.
Property Insurance
Nationwide provides property insurance for homeowners, renters, condos, and businesses. Their property insurance covers various scenarios, including flood, home and contents insurance, and optional features like Brand New Belongings, which allows for the repair or replacement of items, and Better Roof Replacement. You can also bundle your property and auto insurance to save money.
Nationwide's home and contents insurance covers up to £50,000 worth of goods, which includes mobile phones and gadgets if you add the optional "Out and About" cover. This extra coverage will protect your devices worldwide (for 90 days) at the cost of increased monthly premiums. Another way to get mobile phone insurance through Nationwide is by opening a FlexPlus current account, which offers worldwide family phone insurance as an added benefit.
You can contact Nationwide through their mobile app or via the phone numbers provided on their website for more specific information regarding your plan and coverage options.
Frequently asked questions
No, the standard home and contents insurance policy does not cover mobile phones and gadgets. You need to add the optional Out and About cover, which will insure your device worldwide (for 90 days).
The Out and About cover will increase your monthly premiums. If you do have to make a claim, your premiums will increase across the board, not just for the item you claimed for.
Yes, you can get phone insurance through the FlexPlus current account. When you take out this bank account, one of the added benefits is worldwide family phone insurance, which protects all of your family's devices against loss, theft, and accidental damage.
Nationwide offers a full range of insurance services, including car, motorcycle, homeowners, pet, farm, life, and commercial insurance.
