royal bank of scotland travel insurance login

Travel Insurance

More coverage in more places ®.

Get out there and enjoy yourself knowing you have the right coverage and 24/7 access to a caring team who’s always on call—no matter how big or how small the emergency.

More Coverage In More Places™

• Coverage Types
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Explore Your Coverage Options

Travel packages.

Coverage for the widest range of unexpected travel situations.

Travel Medical

Coverage to fill the gap left by my provincial health insurance.

Cancellation & Interruption

Coverage for non-refundable and/or non-transferable trip expenses if my trip is cancelled or interrupted.

Visitors to Canada

When visiting, immigrating to or studying in Canada and need emergency medical coverage.

Travel Insurance Advice by Trip Type

Choose from the topics below for some quick advice on the type of coverage that may be right for you:

Travel Insurance FAQs

Have a question about travel insurance? Get the answers you need here.

For questions about travel and COVID-19, please visit the COVID-19 page.

• Eligibility
• Emergencies

Our goal is to make affordable travel insurance coverage available to as many Canadians as possible. In general, any Canadian resident can purchase some form of coverage with us. Factors such as where you are travelling, your health and the length of your trip may affect the specific coverage(s) available to you.

Note : Non-residents travelling to Canada, immigrants to Canada or foreign students studying in Canada may be eligible to purchase one of our Visitors to Canada Plans.

Generally speaking, no. While your age can affect your eligibility for certain coverages, we have packages and plans that cover all age groups. If you are age 65 or older, we may ask you to answer a few questions about your health to make sure you have the most appropriate coverage.

Yes, you may purchase a policy for your parents. Simply call us at 1-866-896-8172 , buy online , or visit an RBC Insurance Store . Depending on their age, they may be required to complete health questions in order to obtain coverage. If this is not a requirement, please keep in mind that all terms and conditions apply to your parents, therefore we recommend that you review the insurance with them prior to purchase.

Possibly. Depending on your age, medical condition and, if applicable, your answers to our health questions, pre-existing medical conditions are covered if they are stable for a certain time period (as specified in your policy) before your policy's effective date.

Note: Please refer to the policy document for complete coverage details regarding pre-existing conditions.

Your answers to the health questions (if applicable) will be used to help determine the benefits you are eligible to receive under your insurance policy.

When answering the health questions:

• Take your time. The questions may take up to 10 minutes to complete.
• You (the applicant) should complete and sign the Medical Questionnaire. (If you have someone else complete the Medical Questionnaire on your behalf, it is still your responsibility to make sure the answers to the questions are correct.)
• Read and answer each question carefully and accurately. Review your answers to confirm they are correct. Incorrect answers may lead to your coverage being voided or your claim denied.
• Have your prescriptions or a description of your medications nearby for reference.
• If you are unsure about any questions regarding your medical condition or medications, please speak to your physician.

If necessary, a family member or close friend can complete the questions on your behalf. Please keep in mind, however, that it is still your responsibility to sign the form and make sure the answers are correct.

Yes, it is recommended that you buy coverage for your spouse as well.

This answer depends largely on your child's age.

• If your child is under 2 years old and you are purchasing the Deluxe Package or a TravelCare ® Package, then your child receives emergency medical coverage at no extra cost.
• If your child is 2 or older , you'll need to purchase emergency medical coverage for him or her.
• No matter how old your child is , if you've purchased an airline ticket or made a separate trip deposit for him or her, consider buying a travel insurance package or trip cancellation and interruption insurance .

The right coverage for your trip depends on several factors, including (but not limited to) where you're travelling to, how long you’ll be gone, the kind of transportation you'll be using and, in some instances, your overall health. View all of our travel insurance products now.

An accident, illness or medical emergency can happen anywhere, anytime. If you need medical care or treatment in another country, your government health plan may cover only a portion of the costs. Travel insurance starts where these plans leave off.

Plus, with our emergency medical coverage, you have access to the multilingual representatives of Allianz Global Assistance.

Yes, if you are travelling outside your home province or territory. There are several reasons why it's important to get travel medical insurance when you're travelling within Canada. One reason is that accidents can happen anywhere. Another is that government health insurance plans do have limits on reimbursement of emergency medical expenses incurred while you are in another province. For example, the ambulance, emergency dental treatment and prescription drugs might not be covered by some government health insurance plans.

You may extend your coverage if you extend your trip, subject to certain conditions of your policy.

If you've purchased a single trip plan, the following conditions apply:

• If you have not had a medical condition during your trip or while covered under your policy, you can request an extension by contacting us at 1-866-896-8172 before your original policy’s expiry date.
• If you have had a medical condition during your trip and while covered under your policy, you must request the extension by contacting Allianz Global Assistance before the expiry date of your original policy. Your extension is subject to the approval of Allianz Global Assistance.
• You must pay the required additional premium before your original policy’s expiry date.
• If we are unable to extend your particular policy's coverage due to the trip duration limits of your policy, you may be able to purchase a new policy from us.

If you've purchased a multi-trip annual plan, the following conditions apply:

You may purchase a top-up policy for the additional number of days beyond the duration covered by your multi-trip annual plan as follows:

• Before your effective date, you may contact us at 1-866-896-8172 to purchase top-up coverage.
• After your effective date and if you have not had a medical condition during your trip, you must contact us at 1-866-896-8172 before your original policy’s expiry date to purchase top-up coverage.
• After your effective date and if you have had a medical condition during your trip, you must contact Allianz Global Assistance before your original policy’s expiry date to request approval for and to purchase top-up coverage.
• The terms, conditions and exclusions of the new top-up policy apply to you.
• You must pay the required top-up premium on or before the effective date of the top-up period.

If you do NOT top-up your coverage for a trip, you will not be covered for any claims you make outside the period of insurance for that trip. If the top-up policy you are purchasing requires you to complete health questions, you must complete the health questions.

Please see the policy documents for complete coverage details regarding trip extensions.

It may, but not always. We recommend that you carefully review the travel insurance coverage provided by your credit card, as well as any special conditions or stipulations.

Do you have an RBC Royal Bank ® credit card?

To review the travel insurance coverage that comes with your RBC Royal Bank credit card, visit: www.rbcroyalbank.com/cards/documentation/index.html and click the "Insurance Certificate" link for your card.

We recommend that you carefully review your government health plan coverage. Government plans may not cover all emergency medical expenses once you leave your home province/territory and typically cover only a limited portion once you leave the country. In fact, the Canadian Government (Foreign Affairs, Trade and Development Canada) urges Canadians to purchase supplemental health insurance when leaving the country. They say:

Do not rely on your provincial or territorial health plan to cover costs if you get sick or are injured while abroad. Out-of-country health care can be costly, and your health plan may not cover any medical expenses abroad. It is your responsibility to seek information from your provincial or territorial health authority and to obtain supplementary travel insurance and understand the terms of your policy. 2

Plus, government health insurance plans don't guarantee coverage for special care (air ambulance or emergency dental services, for instance).

Unlike government health insurance plans, our insurance offers you:

• Unlimited coverage for eligible medical expenses 1
• Up-front payment of eligible medical expenses whenever possible
• 24-hour, multilingual emergency medical assistance—one toll-free phone call puts you in touch with a multilingual professional who will refer you to a local doctor or facility in order for you to receive the care you need

Government health insurance plans also don't provide coverage for situations such as lost, damaged or delayed baggage or trip cancellation and interruption. Our travel insurance can provide these coverages and more.

Yes, you do need travel insurance to protect yourself against the unexpected, even if you are going to the United States for a few days. An illness or accident can happen at any time, whether you're on the road for a few days, or a few months. And remember, the cost of health care is very expensive in the United States and very little of this cost would be covered by your government health insurance plan, credit card or company benefits plan. For a short trip, the cost of travel insurance is minimal, and it gives you the protection you need.

If you purchase trip cancellation and interruption insurance, it will help pay for your expenses to return home in the event of a covered emergency. There are a number of circumstances that qualify as an emergency (for example, the death or serious illness of a family member). The cost of cancelling a trip prior to departure can be very expensive, as most trips are non-refundable and/or non-transferable, especially if you have to cancel just before leaving on your trip. Having to return early from a trip can also be very expensive. Either way, trip cancellation and interruption insurance is very important to protect your travel investment.

You must purchase coverage before departing on your trip. You may benefit from purchasing coverage as soon as you make your initial trip deposit, especially if you are purchasing trip cancellation and interruption insurance —either as stand-alone coverage or as part of one of our insurance packages .

If you were to book your trip 6 months in advance, consider the unexpected situations that could occur in that time.

If you purchase travel insurance from RBC Insurance, we will pay the eligible bills directly to the hospital or physician whenever possible.

There are a number of sports that are not covered during your trip. For more details, see the Exclusions section of the individual policy document.

You may purchase a top-up policy for the extra number of days beyond the duration covered by your multi-trip annual plan. Here are the conditions:

• After your effective date and if you have had a medical condition during your trip, you must contact Allianz Global Assistance before your original policy’s expiry date to request approval for and purchase top-up coverage.

Please see the policy document for complete coverage details regarding top-up coverage.

If you purchase one of our travel medical insurance plans—either Classic Medical or TravelCare ® Medical—you can, subject to certain conditions:

• If you are travelling for more than 183 days, you may purchase single trip coverage for up to 365 days provided that you are covered under your government health plan for the full duration of your trip.
• If you are 40-74 years of age , you must also answer a few health questions, which will determine whether you are eligible to purchase coverage for trips beyond 183 days.

Yes, if you are travelling with your spouse/partner and children or other family members, you could save money with our family plan pricing.

The cost of a trip can be a significant financial investment. A lot can also happen in the time between booking your trip and departing—if a medical emergency or other unexpected event prevents you from going on your trip, you could potentially lose some (or possibly all) of the money you paid.

With trip cancellation and interruption insurance, you're protected when certain situations prevent you from travelling as planned. Examples include:

• You can't travel due to an illness, job loss or immediate family member's medical emergency
• You need to return home earlier than scheduled because of a family emergency or medical condition

Note : We strongly recommend that you purchase trip cancellation and interruption insurance at the time you pay your initial travel deposit. Please see the policy document for complete coverage details, including terms and conditions.

Yes! Tell them about our Visitors to Canada Plans , which offer affordable emergency medical protection to visitors, immigrants, foreign students and Canadians without government health plan coverage.

We strongly recommend you do. Your insurance policy is a valuable source of information and contains provisions that may limit or exclude coverage. Please read it before you go, keep it in a safe place and carry it with you when you travel.

RBC Insurance has appointed AZGA Service Canada Inc. (operating as “Allianz Global Assistance”) as the provider of all assistance and claims.

Whether you have a new claim or questions about an existing claim, representatives will work with you to make things as easy as possible. Visit the Travel Insurance Claims page for more details about how to submit a claim.

It's our goal to settle every claim as quickly as possible. While every claim is different, there are things you can do to speed things up:

• If you require emergency care on your trip , call our emergency contact number immediately, or at the earliest possible opportunity (someone else can call if you're unable to). If you do not, your coverage may be limited and your benefits could be reduced.
• If you need to cancel your trip prior to departing , call your travel agency, airline, tour company or the carrier immediately to cancel your trip no later than one business day after the cause of cancellation. Call Allianz Global Assistance the same day.
• For all claims , carefully read the instructions for submitting your claim. Make sure you fully complete any required claims forms and submit all required documentation at your earliest possible convenience. For example, you may need to provide information on your past health history if you are submitting an emergency medical claim or a trip cancellation claim due to a medical condition.

The documentation you need to provide will depend on the type of claim, the type of plan you purchased and the province/territory in which you live. Visit the Travel Insurance Claims page for more details about how to submit a claim.

No matter where in the world you are, we’ll be here for you. If you have an emergency, you can call Allianz Global Assistance toll-free 24 hours a day, 7 days a week at 1-855-947-1581 from the U.S. and Canada or (905) 816-2561 collect from anywhere in the world . Or as an alternative, you can email Allianz Global Assistance at: [email protected] . Disclaimer 3

The multilingual representatives of Allianz Global Assistance are ready 24 hours a day, seven days a week when you have a medical emergency. You can rely on them to refer you or (when medically appropriate) transfer you to one of the accredited medical service providers within the Allianz Global Assistance network, so you can receive the care you need as quickly as possible.

Because the representatives are multilingual and have 24-hour access to real-time translation services, they can provide the help you need in your own language—and also have someone to communicate on your behalf with medical personnel who may speak a different language.

Whenever possible, Allianz Global Assistance will also request for the medical service provider within the network to bill the covered medical expenses directly to us instead of you—reducing stress and hassle.

Yes, as soon as medically possible. There are several reasons to call the emergency contact number first:

The multilingual representatives of Allianz Global Assistance are experienced experts in coordinating emergency care for travellers in foreign lands.

They're available 24 hours a day, seven days a week.

If you don't call Allianz Global Assistance first, your benefits may be reduced and your coverage may be limited. As stated in your policy, if you do not contact Allianz Global Assistance at the time of your medical emergency or you choose to receive treatment from a medical service provider outside the Allianz Global Assistance network, you will be responsible for 30% of your medical expenses covered under your insurance and in excess of your medical expenses paid by your government health plan.

You can call Allianz Global Assistance toll-free 24 hours a day, 7 days a week at 1-855-947-1581 from the U.S. and Canada or (905) 816-2561 collect from anywhere in the world.

Of course, obtaining urgent care in an emergency is your #1 priority—and our representatives are here to help at our toll-free emergency contact number. However, if your medical condition Opens in new window prevents you from calling before seeking emergency treatment, then you must call as soon as medically possible.

Someone else (a family member, friend, hospital or physician's office staff, etc.) may call on your behalf–so it's a very good idea to carry your RBC Insurance travel insurance wallet card with you at all times.

They may call Allianz Global Assistance toll-free 24 hours a day, 7 days a week at 1-855-947-1581 from the U.S. and Canada or (905) 816-2561 collect from anywhere in the world.

Or as an alternative, they can email3 Allianz Global Assistance at: [email protected] .

We will pay your eligible medical bills directly to the medical provider or hospital for you whenever possible.

Travel together. Save together.

Travelling with a group of 10 or more? Save with a group discount and enjoy all the benefits of RBC ® Travel Insurance.

Reasons to Love RBC Travel Insurance

Coverage available for all ages.

If you are travelling with your spouse/partner and children or other family members, you could save money with our family plan pricing.

Simplified Medical Questionnaire

Age 65 or over? Buying travel insurance is faster than ever – no long, complicated medical questionnaires.

Variety of Coverages

Whether you’re going on an overseas adventure, or a quick jaunt to another province or state for the weekend, a variety of packages and plans are available to cover your travels.

24/7 Worldwide Emergency Medical Assistance

Experienced staff at the 24/7 assistance centre will provide:

• Caring, multilingual support
• Help finding local medical care
• Access to emergency air ambulances
• Access to expert medical professionals who will monitor your care
• Help with transportation to the nearest medical facility

For emergency medical and travel assistance

• See Emergency Contact Details

For questions about travel insurance or claims

• Speak to a Travel Advisor at 1-888-896-8172
• Get a Quote

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• Single Trip
• Annual Multi-Trip
• Winter Sports & Ski
• Collision Damage Waiver
• Sport & Leisure
• Medical Conditions
• Travel Insurance for Non-UK Residents
• Group Travel Insurance
• Travel Insurance for Couples
• Covid-19 travel insurance
• About Our Travel Insurance
• Holiday Cancellation Insurance
• Emergency Medical Assistance Cover
• Emergency Medical Cover for Travel Insurance
• Repatriation Insurance
• Baggage Cover
• Travel Insurance for Under 18s
• Comprehensive
• What's Covered
• Excluded Vehicles
• Range Rover
• Car Hire Excess Insurance
• Policy Information
• File a Claim
• Insurance Glossary
• Coronavirus - Annual Multi-trip Policy

Travel Insurance FAQs

We pride ourselves on being there for our customers and keeping them safe. We know that buying travel insurance can be overwhelming and confusing. That’s why we’ve tried to clear up as much as possible and answer the most important questions below.

If these do not answer your query, please don’t hesitate to get in touch.

The details below were last updated on 01/02/2024. To the best of our knowledge this information is correct at the time of writing. Full terms and conditions of the travel insurance are shown in your policy documents. If you have any questions about your cover, please contact Allianz Assistance using your membership services contact details.

The FAQs below have been split into four sub-sections:

Hot Topic Questions

Your policy does not provide cover for costs you incur if the airline cancels your flight. You should in the first instance seek compensation for these costs directly from the airline.

Most airlines offer full refunds of the flight costs if they cancel your flight in advance of your travel date. Some may offer additional financial compensation or vouchers, particularly if the flight is part of a Tour Operator booking.

Where flights are cancelled on the day of travel, under EU Air Passenger Rights rules, the airline is obliged to rebook flights for you to travel with any airline to get you to your destination on the original travel date (as long as seats are available). Further information about your rights can be found in the Civil Aviation Association  website.

Your policy does provide cover for Travel delay and Abandonment cover under the Delayed departure section of your policy. You may qualify for either a delay compensation payment or even submit a claim for lost travel costs, if you decide to abandon your trip altogether. The standard qualifying delay period is 4 hours for travel dealy. The qualifying period for abandonment is 12 hours for trips scheduled to last 5 nights or more, reduced to 6 hours if your trip is only booked to last for 4 nights or less. Please refer to the policy for the full cover details.  

For other FAQs, you can click on these appropriate links for COVID-19 FAQs , General FAQs or BREXIT FAQs

While the policy does not specifically mention this, cover is provided under the standard terms and conditions of your policy for trips involving a cruise. 

The policy doesn’t however include additional cover aspects that some specialist cruise policies may provide, for example missed port cover if for some reason the ship cannot dock.

If you do need confirmation of this in writing, please request this by contacting Membership Services team by emailing  [email protected]  or calling the phone number shown on your banking documents.

For more FAQs, you can click on these appropriate links for COVID-19 FAQs , General FAQs or BREXIT FAQs

The full terms and conditions of the COVID-19 cover are shown in your travel policy. 

We are happy to provide a certificate of insurance outlining the COVID-19 cover provided. You can request this by contacting the Membership Services team by emailing  [email protected]  or calling the phone number shown on your banking documents.

As an account holder you are automatically eligible for base travel insurance cover, until you reach70 years of age. At this point, you will then need to purchase an annual age extension upgrade in order to continue cover on your policy. These upgrades can be purchased by contacting the Membership Services team by emailing [email protected] or calling the phone number shown on your banking documents.

Unless you have a Silver Account (which restricts cover to only account holders), cover is also automatically included for your spouse, civil partner or partner until you or they reach 70 years of age (whichever happens earlier). At this point, each person aged 70 or over will need to purchase an annual age extension upgrade for cover to continue.

There’s cover for the children of you/your partner when travelling with either of you or another responsible adult, provided the children are aged under 18  (or under 23 if still in full-time education).

You can add other family members or friends not falling in these categories by purchasing a Guest cover upgrade. You can purchase cover for up to six additional people. These 'Guests' will need to be travelling with you for cover to apply.

For more FAQs, you can click on these appropriate links for COVID-19 FAQs , General FAQs or BREXIT FAQs .

You can purchase a number of upgrades to your base policy to increase some of the aspects of cover:

• Pre-existing medical condition – to include cover for claims relating to a pre-existing medical condition of someone on the policy.
• Age extension cover  – to extend cover to include people aged 70 years or over.
• Guest cover – to include cover for someone travelling with you, who is not automatically eligible for base policy cover.
• Extended trip cover  – to increase the standard length of cover provided on your policy for individual trips.
• Cancellation limit extension  – to increase the standard benefit limit provided under the Cancellation, Cutting short your trip and abandonment cover under the Delayed departure sections of your policy.
• Additional sports and leisure activities – to include cover while taking part in one of the listed higher risk sports and activities.
• Business cover  – to include additional cover for your business equipment and samples or for a colleague to replace you if you cannot continue your business trip.
• Golf cover  – to include additional cover for your golf equipment or loss of pre-paid green fees.
• Wedding cover  – to include additional cover for the wedding couple’s attire, rings, gifts and photographs / videos of the wedding.

The decision of when you should purchase your upgrade(s) is entirely up to you. You may want to hold off purchasing until you’re fully aware of you travel plans. This ensures you won’t be buying cover that you’ll not be needing immediately. Alternatively you may prefer to purchase in advance, to give you the flexibility of making last minute arrangements.

Purchasing is quick and easy using the Allianz Assistance Hub, which can be accessed through your mobile banking app or via Internet Banking. You can also contact our Membership Services team by phone or email using the details in your banking documents.  

Remember there may be purchase restrictions on some upgrades if you have already started your trip. Please refer to the Upgrades and endorsements section of your policy for more details.

Other FAQs about upgrades can be found in General FAQs .

It is crucial that you declare any pre-existing medical condition(s) of all people to be covered on the policy when:

• Opening your bank account.
• If there have been any changes in your health after making your declaration, including a change to any regularly prescribed medication (repeat prescriptions).
• You develop a medical condition before booking your trip.
• You develop a new medical condition before travelling on a trip already booked. ( Note: if you still wish to go on your trip and are not travelling against medical advice, your policy will continue to provide cover subject to the terms and conditions.)

You can make your declaration by applying for a medical upgrade and completing the medical screening process. This will involve answering a series of questions regarding the pre-existing medical condition. It is best to make your declaration using the Allianz Assistance Hub, which can be accessed through your mobile banking app or via Internet Banking. Alternatively you can contact our Membership Services team by phone using the details in your banking documents.  

Having made your declaration you will find out whether the pre-existing condition is:

• Automatically covered as a no screen pre-existing medical condition.
• Covered without an additional premium being required.
• Covered subject to an additional premium being paid.
• Excluded for claims relating to the pre-existing medical condition. 

Other FAQs about pre-existing medical conditions can be found in General FAQs .

General travel insurance FAQs

What is travel insurance.

• Travel insurance is an arrangement by which an insurer agrees to provide a guarantee of compensation for specified loss, damage, illness or death in return for payment of a premium. For your policy, this premium is part of the monthly fee collected by your account provider. Whilst travel insurance policies can’t cover every eventuality, it can help protect against certain risks for an agreed and affordable premium.
• It is also important to understand that travel insurance is only there to protect you against losses you can’t recover from anywhere else.   If your trip needs to be moved or cancelled, you should always ask your airline/tour provider for reimbursement before making a claim on your travel insurance policy. In most cases, your airline/tour operator will be responsible for refunding the value of the original trip. For example, if they are responsible for the cancellation or changes instead of you requesting it, their trading regulations will often require them to provide a refund. 

The level of insurance on our policies is appropriate for most travellers. Different policies provide varying levels of cover, therefore it’s important that you read your policy documents carefully and understand exactly what you’re covered for before you travel. If there’s anything in the policy documents that you’re not sure about, please get in touch – we’ll be happy to help.

Our policies offer protection for:  

• Cancellation or Cutting short your trip
• Emergency medical and associated expenses
• Loss of passport or driving licence
• Baggage / delayed baggage
• Personal money
• Personal accident 
• Missed departure
• Delayed departure
• Personal liability
• Legal advice and expenses
• Winter sports cover
• Terms and conditions apply.

Your base travel insurance cover is provided as part of your monthly fee collected by your bank account provider. You can find out the cost of the optional upgrades, or what extra premium (if any) is needed to cover any pre-existing medical conditions, by using the Allianz Assistance Hub (accessed through your Banking App or through Internet / Online Banking) or by calling Membership Services.

You should also be aware that any pre-existing medical conditions can affect the eligibility for cover on our policies. Refer to the 'Health declaration and health exclusions' section of your policy for more information.

You should re-familiarise yourself with your travel insurance when you're looking to book a trip. Remember that your travel insurance covers you for incidents that happen before you travel, as well as things that occur during your holiday. With cancellation cover, you’ll be reimbursed if you can’t travel due to sickness, for example. Your cover starts as soon as you book your trip, and we’ll pay up to the amount shown in your policy documents for unused accommodation, transport, excursions and other travel expenses you have paid or will have to pay, and that you cannot recover from anywhere else.

Terms and conditions apply. These can be viewed in the 'My policy' section of the Allianz Assistance Hub, accessed through your Banking App or through Internet / Online Banking.

Our policies include cover against the loss or theft of your passport or driving licence whilst on your trip. To claim for your passport , you must have an official letter from the consulate you reported the loss to. Cover includes costs up to the amount shown in your policyfor extra transport, accommodation and administration costs you have to pay to get a temporary passport so you can return home. It also includes the remaining value of the original passport that is lost or stolen (based on current standard replacement costs). Exclusions and conditions apply so make sure you read your policy document carefully.

Our policies include cover for personal money which includes cash. Receipts and evidence of account withdrawals confirming the amount of cash you had will be needed in the event of a claim. A lesser amount for personal money applies if you are under the age of 18. Full details are in the  policy wording .

What is the base travel insurance cover I get with my account?

Unless you have a Silver account (which limits travel to within Europe only) our policies automatically provide cover for travel to all worldwide destinations. 

Please note that you will not be covered if you travel to a country or region that Foreign, Commonwealth and Development Office (FCDO) has advised against all or all but essential travel. 

Many sports and leisure activities are covered on our base travel insurance policies at no additional premium. If you’re heading away and planning to take part in a sport or leisure activity that is not listed as covered on your policy, we may still be able to cover you. Take a look at the 'Additional sports and leisure activities' upgrade which can be purchased on the Allianz Assistance Hub (accessed through your Banking App or through Internet / Online Banking) or by calling Membership Services.

If you’re planning to take part in winter sports our base travel insurance provides cover for up to 31 days per trip (21 days for Silver Accounts). This will not only help protect you while you take part in these activities, but also provide cover against risks that are unique to this type of activity, such as unused ski-pack costs if you need to cancel or cut short your trip, delayed or damaged ski equipment and piste closures.

Silver Accounts will not provide cover for your partner or children, unless they are also an account holder. For other Accounts though, as long as you keep your bank account open, your spouse, partner or civil partner will also be eligible for cover. They must be under 70 years of age (or have purchased an age extension upgrade).

The dependent children of either one of you (or both) can also benefit from cover if they are aged under 18 (or under 23 if still in full-time education).

Please note while your eligible spouse, partner or civil partner is covered to travel independently of you as the account holder, your eligible children will need to travel with at least one of you (or another responsible adult authorised by you) in order to be covered.  

Yes, our policies allow cover for business trips and you can also purchase a business cover upgrade which will help cover your business equipment, so you may not need to take out separate laptop travel insurance. This upgrade also provides cover to send a replacement business colleague to complete your itinerary if you have to cut your journey short.

Business trips within the UK will require a minimum of two consecutive nights pre-booked accommodation for the trip to be covered. For more information on the cover, please refer to your policy. 

This is possible on all but the Silver Account. You can add up to six extra named guests to your insurance by purchasing the Guest upgrade.

This comes in handy if your child is over the maximum child age on the policy, or if you are travelling with a friend or family member that is not automatically eligible for cover.

You can easily arrange cover by purchasing the ‘Guest’ upgrade available on the Allianz Assistance Hub (accessed through your Banking App or through Internet / Online Banking) or calling Membership Services.

Am I eligible for the Allianz Assistance travel insurance?

If you or anyone else to be covered on your policy has a pre-existing medical condition, you should check the 'Health declaration and health exclusions' section of your policy, to make sure we are able to cover any related claims. It is likely you will have to tell us more details about the medical condition before we can confirm whether or not we can cover you and if you have to pay an extra premium.

Medical conditions can be declared on the Allianz Assistance Hub or by calling Membership Services. If we cannot cover the medical condition or you feel the extra premium is too high you may be able to obtain an alternative travel insurance policy from one of the providers featured in the MoneyHelper  directory  of specialist travel insurance providers for people with serious medical conditions.

Do take time to study and compare the terms and conditions to ensure you have the cover you need. To contact MoneyHelper for further details of the directory

Call:  0800 138 7777  (lines are open Monday to Friday, 8am to 6pm) or

Email:  [email protected]

Yes, all of our policies have a maximum age limit of 69 years. If the account holder is 70 years or older, we are unable to cover them or any non-account holders on the policy even if they fall below the age limit, unless they have purchased an age extension upgrade. Note: Non-account holders are not covered under the Silver Account policy.

If one of your children fall outside the maximum age allowed to be a dependent child on your policy, you could include them as a Guest traveller on your policy. You can do this by purchasing the ‘Guest’ upgrade through the Allianz Assistance Hub or by calling Membership Services. Guests will only be covered if travelling with the account holder for the duration of the trip.

Other people older than the maximum age limit may also be covered by purchasing the age extension upgrade or obtaining an alternative travel insurance policy from another provider. We suggest you get in touch with  The British Insurance Brokers Association   Tel: 0370 950 1790 (Lines open 9am – 5:30pm, Monday to Friday) for a quote.

It is always best to try to arrange any upgrade to your policy before you travel. Even though upgrades can be purchased while you are away, you’ll not be able to purchase the upgrade to add an additional person on to your policy, for the trip you are currently on. This cover will only apply to future trips taken during the year.

The same may apply to the trip extension upgrade, if you’ve already gone over the applicable trip limit.

How do I manage my travel insurance policy?

If you have any questions about your policy or cover, get in touch with our Membership Services Team who are available to answer any of your queries.

For further details

Visit: The Allianz Assistance Hub (accessed through your Banking App or Internet / Online Banking)

Email: [email protected]

Call : The Membership Services team between the hours of 8am – 8pm Monday to Friday, 9am - 5pm Saturday and 10am - 5pm Sunday and Bank Holidays.

Please note: We are unable to give you any advice on whether this product is suitable for your needs.

You can purchase upgrades to our policies either online or over the phone.

We accept Visa and MasterCard Debit and Credit Cards. For purchases made on the Allianz Assistance hub, we can also accept AMEX.

When you first open your bank account, you’ll receive a Welcome pack from the provider, containing details of your account terms and conditions. It will explain the extra benefits you receive as part of being an account holder. The full travel insurance policy wording are within this. Your bank account provider will keep you informed of any significant changes and supply new documents when needed. They should also be able to provide you with a physical copy of your base policy documents should you need one.

For your convenience, you can access your travel insurance policy documentation on the Allianz Assistance Hub, which can be accessed through your Banking App or Internet / Online Banking.

If you buy an upgrade to your policy, we will send you an email confirmation outlining the cover you have purchased. Details of the upgrade will also be stored under the 'Your upgrades' section of the Allianz Assistance Hub, so you will be able to print them if required. Having your policy documentation on your person when you travel isn’t essential, but it is useful in the event that something unexpected happens that you need to claim on. You can carry your policy documentation in paper (through printing at home) or electronic form (in an email or accessing through the Allianz Assistance Hub). 

If for any reason your policy upgrade cover does not meet your requirements and you wish to cancel it, please contact us within 14 days of the purchase date for a full refund of your premium. Refunds will not be provided if you have already travelled or have made a claim on your policy.

To get in touch with us:

Call: The Membership Services Team between the hours of 8am - 8pm Monday to Friday, 9am - 5pm Saturday and 10am - 5pm Sunday and Bank Holidays.

Yes, if you decide that your base travel insurance policy doesn’t meet your specific needs, you may want to increase cover by purchasing one of our upgrades. You can also make changes to upgrades you have already purchased.

We'll be happy to discuss the cover options to change / increase your travel insurance. Please note that you may have to pay an extra premium.

When you travel, it is important to know the details of your policy, in case something happens that requires you to make a claim.

Cancellation cover begins either on the date you open your bank account, or the date you booked your trip, whichever is later. Cancellation cover then ends at the beginning of that trip. 

All other aspects of cover begin on the day you start your trip, and end on the final day of your trip.

If you cannot finish your trip as planned due to a reason covered by your policy, such as injury, illness or delays to public transport systems, cover on the policy will automatically extend until you are able to finish the trip. Otherwise all cover ends at the the maximum trip limit shown on your policy (or the upgraded trip limit you may have paid for).

No, there is no need to let us know every time you travel with this policy.

However, if you have any questions or want to know more about your travel insurance or what you are covered for, do not hesitate to contact us.

What if I need to make a claim?

If you need to make a claim on your travel insurance policy, you can either complete a claims form online, write to us or call the Claims team.

The quickest and easist way is to complete the claim online by visiting the Allianz Assistance Hub (accessed through your Banking App or Internet / Online Banking). There, you'll be able to upload the documents we'll need to assess your claim and also keep track on the progress of your claim. Be sure to read and check all of the information carefully to prevent delays. Alternatively you can:

Call: The Claims Team between the hours of 8am - 8pm Monday to Friday and 9am - 5pm Saturday 

E-mail: [email protected]

Should something happen that involves a medical emergency whilst you are away, our medical emergency team is available 24 hours a day to help.

You can reach them by calling the 24-hr emergency medical assistance helpline number shown in your policy or email them at [email protected]

The contact details can also be found in the 'Help and advice' section of the Allianz Assistance Hub (accessed through your Banking App or Internet / Online Banking)

In a life or death situation, call the emergency services in the country you are visiting. For example, 112 within the European Union or 911 in the USA.

Before you travel, look on the GOV.UK website for more information about local authorities and who to call should you find yourself in an emergency situation.  Please visit the Foreign, Commonwealth and Development Office  (FCDO)  site for travel advice.

We have made this easy for you! All the contact numbers that you might need are listed at the front of your policy document.

You can also find all of our contact details under the 'Help and advice' section of the Allianz Assistance Hub (accessed through your Banking App or Internet / Online Banking).

There is an excess payment for some sections of your travel insurance policy. This means that you will be responsible for the first part of your claim for each insured person making a claim for each claim incident, for each section. The excess does not apply to dependent children insured on the policy under the Cancellation, Cutting short your trip and abandonment cover under the Departure delay section where they are travelling with an account holder.

You will find full details in your policy wording.

Yes, we will still consider claims without receipts. However, please be aware that you will still be asked to provide alternative proof of ownership for the lost or stolen items.

We completely understand that you may not have kept receipts for each and every item that you took on holiday with you, but we do expect you to be able to provide some evidence of ownership for most things you are claiming on, particularly expensive items.

Some forms of evidence you can provide include photographic evidence in conjunction with

• Warranty cards
• Bank or credit card statements 

Claims for items where you are unable to provide the original purchase receipt will be subject to a deduction for wear and tear, even if they are under two years old.

It is crucial that all the information you provide us with us up to date and accurate to the best of your knowledge. Ultimately, it is your responsibility to ensure the information you have given us is correct and to let us know if your circumstances have changed in a way that would affect your travel insurance policy.

If you provide us with incorrect information, it could invalidate your insurance claim and result in us declining to pay a claim. You can change and update your information with us free of charge, but certain changes to circumstances may affect your policy premium.

If you have any questions about your circumstances or want to update or change any information you gave us, you can visit the Allianz Assistance Hub (accessed through your Banking App or Internet / Online Banking) or call Membership Services.

COVID-19 FAQs

While travel has returned to normal following the COVID-19 situation, risks of new variants of the virus still exist which could cause a big impact on travel at the moment. Keeping up with the frequent changes can be overwhelming and confusing, which is why we’ve tried to clear up as much as possible and answer the most important questions below.

Useful websites:

FCDO general foreign travel advice:  Country by country advice

NHS COVID-19 information:  Coronavirus (COVID-19) - NHS (www.nhs.uk)

UK Government travel rules during COVID: 

• Guidance for travel to and from  England
• Guidance for travel to and from  Wales
• Guidance for travel to and from  Scotland
• Guidance for travel to and from  Northern Ireland

Rapid lateral flow test kits: Check if you are eligible to order a free pack

The UK government provides guidance on travel from any countries to the UK. Y ou’ll need to follow when returning to the UK and once you arrive back in the UK.

Other countries also have their own COVID-19 rules. Before you travel you should check the 'Entry requirements' section of the  FCDO foreign travel advice for all countries you will visit or travel through.

You should still check and follow the latest information on the Government guidance websites of the countries you are planning to travel to.

The travel insurance cover included with your account also remains dependent on following the travel advice from the Foreign, Commonwealth and Development Office. You acn access this advice here:  FCDO  – make sure you read the policy documents carefully so that you fully understand what is covered. It is important to understand that for your cover to be valid, you must travel directly to or via another destination that is not subject to FCDO advice against all or all but essential travel. In certain circumstances cover may be considered where all but essential travel restrictions are in place (see below).

Where the FCDO advise against all travel

If you travel through or make a stopover in a destination that the FCDO is advising against visiting, the travel insurance policy will not provide cover for any part of your trip.

Where the FCDO advise against all but essential travel

If you travel to a destination where the FCDO has advised against all but essential travel and need to make a claim, you’ll need to provide Allianz Assistance with documentation that shows you are travelling for a permitted and essential reason before they can consider your claim.

Please keep up to date with the FCDO advice when booking and travelling and contact Allianz Assistance if you have any questions or concerns.

Some policies can have varying levels of cover depending on the bank account you hold. With all of the travel insurance policies which come with our added value accounts / packaged bank accounts, changes in Foreign, Commonwealth and Development Office (FCDO) travel advice and government-imposed restrictions including quarantine/lockdown of a geographical area, are not covered events. However, there are specific exceptions to the general exclusion against claims arising from or relating to a pandemic or epidemic. This means that there’s cover in line with the terms and conditions under the travel insurance policy if someone covered under the policy:

• Contracts COVID-19 whilst abroad and needs medical treatment, or has to return home early as a result of their condition.
• Contracts COVID-19 or is required to quarantine abroad following virus exposure and needs to extend their trip. The insurer will cover the cost of additional accommodation and transport until it's safe  to return home.
• Or their travel companion, develop symptoms and are advised against travel by their GP, tests positive for COVID-19 or are asked to self-isolate by the NHS and have to cancel the trip. Please note that this applies to isolation in individual circumstances only; there's no cover if you can’t travel due to a local or national lockdown.
• Is denied boarding on pre-booked public transport because they or their travel companion are showing signs of COVID-19 and are unable to travel as a result.
• Needs to cancel or cut short the trip because a close relative of theirs or of their travel companion becomes seriously ill with a pandemic/epidemic illness.

Please note : For claims relating to being tested as positive for COVID-19, evidence will need to be provided in the form of a positive PCR test or a specific medical certificate from a doctor. Positive lateral flow tests are not sufficient.

According to the Foreign, Commonwealth and Development Office (FCDO) , you can visit most countries regardless of whether you have been vaccinated or not. However, there are some countries that will not allow travellers to enter unless they can prove that they’ve received all their appropriate COVID-19 vaccinations.

When you’re booking a trip, make sure you check the entry requirements  for your destination and prepare any documents of proof before you go. If you are denied entry into your country of destination because you have failed to meet the entry requirements, there's no cover under the travel insurance policy for any financial losses or unexpected additional costs. 

You would need to contact the airline and/or travel provider to discuss your options for amending or cancelling your trip. Your travel insurance policy won’t cover you for cancellation if you’re unable to travel to your destination due to a change in FCDO or general government advice owing to an epidemic or pandemic.

However, there are other ways in which you might be protected against financial losses in these circumstances.

Many travel providers will let customers cancel or alter their booking free of charge if the FCDO is advising against travel to the destination, especially if it is a package booking and the travel provider is ATOL or ABTA protected. Costs over £100 that are not recoverable from your airline and/or travel provider may be recoverable from your credit card company if your credit card was used to make the purchase. You may also have buyer protection if payments were made through PayPal. 

As long as you haven’t travelled against FCDO advice , claims can be considered under the medical expenses section of the travel insurance policy for expenses incurred from receiving medical treatment.

The insurer will also consider claims for the cost of necessary extra accommodation, if you have to quarantine during your trip because you have contracted COVID-19 or been exposed to a similar contagious disease.

In both instances, if you contract COVID-19 during travel, follow any advice given by the local authorities and contact your travel provider to notify them as soon as possible. If you are suffering with COVID-19 abroad, please contact the Allianz Assistance 24-hour emergency medical assistance line for advice and support with your arrangements.

Please note there is no cover under the travel policy for any amount recoverable from any other source such as your airline or your accommodation provider. 

The travel insurance policy wouldn’t cover any unexpected additional travel or accommodation costs if you are prevented from travelling as a result of failing to produce a valid COVID-19 vaccine passport or meet any other entry requirements needed for your trip. This is because failure to comply with entry requirements for any country is not a covered event.

If you aren’t able to obtain COVID-19 vaccine passports or any other documentation in time for your original return travel, you should get in contact with your travel provider to make alternative arrangements. 

As long as no FCDO advice  against travel to your destination is already in place and you’re able to provide evidence of a positive PCR test or a medical certificate completed by your GP confirming your diagnosis and declaring you unfit to travel, you can claim for cancellation costs in line with the terms and conditions of your travel insurance policy. Lateral flow tests are not sufficient evidence.

Please note there is no cover for any amount recoverable from any other source such as your airline or your accommodation provider.

As long as no FCDO advice  against travel to your destination is given at the time of departure and the government at your destination also allow you to travel, there'll be cover under the travel insurance policy in line with the terms and conditions.

We suggest you check that your travel provider can still provide the transport and accommodation you have booked, since changes to these arrangements are not covered by the travel insurance policy. You should also be aware that any additional costs relating to or caused by these entry requirements (such as compulsory quarantine) will not be covered.      

Brexit FAQs

The transition period for the UK leaving the European Union (EU) came to an end on 1 st January 2021.

Understanding how this change impacts travel and driving abroad can be tricky. That’s why we’ve tried to clear up as much as possible and answer the most important questions below. 

What can I expect to change whilst travelling in the EU post-Brexit?

Your European Health Insurance Card (EHIC) will still be valid within the EU, entitling you to essential medical treatment at state-run hospitals and GP’s until it expires. Once your EHIC expires, you’ll be able to replace it with a Global Health Insurance Card (GHIC) free of charge.

Whilst your EHIC/GHIC will take care of your medical treatment costs in some circumstances, it’s still important to take out a suitable travel insurance policy, as your EHIC won’t cover you for every circumstance, including trip cancellation, stolen belongings, private medical treatment and any additional costs to return you to the UK. It also won’t provide cover for treatment at private medical facilities, even if no public facilities are available locally.

The GHIC is the new scheme that was launched by the government to replace the previous EHIC scheme. It offers the same protection as the EHIC and you won’t need to apply for one until your existing EHIC expires.

Both your EHIC and GHIC enable you to access free or reduced * state-provided medical treatment and healthcare, should you need it whilst travelling in the EU. This includes treatment for a pre-existing medical condition. It’s important to be aware that neither the EHIC nor GHIC provide cover in Iceland, Liechtenstein, Norway and Switzerland, even though these countries used to provide reciprocal healthcare arrangements to travellers from the UK. However, you can still receive state-provided healthcare in Norway if you show your UK passport to the medical facility.

* Different countries have different healthcare systems and may not include everything that you might receive free on the NHS. Your GHIC entitles you to the same treatment, at the same cost, as a patient from that country. You can find out more here .

If you’re travelling for leisure, you won’t need a visa for trips to most countries within the EU, Iceland, Liechtenstein, Norway and Switzerland, unless your travel exceeds the limit of 90 days in any 180-day period. If you travel to Bulgaria, Croatia, Cyprus or Romania, your visits to other EU countries won’t count towards the 90-day total.

If your travel exceeds this time limit, is for work or study or a business trip, you may need a permit or visa. You can check the relevant information for each country here .

We’d strongly advise you to allow yourself more time at the airport, train terminal or ferry port when travelling to the EU post-Brexit. This is because you won’t be able to use the EU fast-track queue at passport control.

You may also be required to show your onward/return ticket and/or prove that you have enough money to cover your stay. It’s important to remember that if you miss your flight (or equivalent) due to long queues inside or on the way to the airport (or equivalent), you won’t be covered for any resulting additional costs under your travel insurance policy. 

The UK no longer participates in the Erasmus scheme, meaning that studying in Europe may look different. If you’re already studying in the EU, you’ll still be treated the same as students from that country and continue to receive the same financial support as other EU students.

However, if you’ve not yet started your studies, you’ll need to make sure that you meet the visa requirements for the country you’re studying in. Also, check with the EU university you’re attending to make sure that your arrangements haven’t changed. 

You can still travel to the EU for business, but you may need to meet some additional entry requirements such as arranging a visa or work permit, depending on your reason for travel and length of stay.

You can check the requirements here , as well as additional information on how to check if your professional qualifications are recognised in the EU and whether you’ll need to let HMRC know that you’ll be earning money in the EU. 

Not all of the new rules will apply if you’re visiting Ireland, but it’s important to understand which ones do:

You need to:

• Make sure your pet has an Animal Health Certificate (AHC) if travelling to Ireland with you.
• Take out a suitable travel insurance policy for your trip. Although UK citizens visiting Ireland are entitled to medically necessary healthcare, this wouldn’t cover you for any other unexpected additional costs such as stolen belongings or repatriation.

You don’t need to:

• Renew your passport before travelling to Ireland if it is over 10 years old and/or expires within the next six months.
• Arrange a visa or permit to live, work or study in Ireland.

How will Brexit impact my Allianz Assistance travel insurance policy?

You’ll need to declare your pre-existing medical condition, so that we can let you know whether our travel insurance product can cover it. Your EHIC/GHIC will entitle you to medical treatment and care whilst travelling in the EU, but not private treatment or for other unexpected additional costs such as repatriation, so it is important to make sure that you have suitable cover for your needs.

If you have already declared a pre-existing medical condition with us that we’ve agreed to cover, you’ll still be covered in line with the policy terms and conditions. 

How will Brexit impact me if I want to drive within the EU?

A green card is a document which proves that you have the car insurance required for the country you’re driving in. All UK car insurance policies provide the minimum third party cover to drive in the EU.

Before your trip, you’ll need to contact your car insurance provider to ask for a green card for your car. You should allow plenty of time for this, as it can take up to six weeks to reach you in the post.

No – if your number plate displays a GB with an EU flag or the English, Scottish or Welsh flag, there’s no need to change it, but you will need to display an additional GB sticker to drive within the EU.

If your number plate has a GB displayed on its own or with a union flag, you won’t need an additional sticker for most countries. However, if you’re driving in Cyprus, Malta or Spain you’ll need a GB sticker regardless of the symbol on your number plate.

If you own the car you’re driving, you’ll need to carry your V5C log book when driving within the EU. If you’re taking a leased or hire car from the UK to the EU, you’ll need to get a VE103 form to prove that you have permission to take the car outside the UK.

You should also carry your driving licence and, in some cases, an International Driving Permit (IDP). This depends on which country you’re going to and how long you stay there. You might also need an IDP if you have a paper driving licence, or a driving licence issued in Gibraltar, Guernsey, Jersey or the Isle of Man.

You can find out more and check which documents you’ll need to carry for your trip here .

If you’re driving abroad and towing a trailer or caravan, you should check the latest Government rules to see that your license allows this. Trailers and caravans will need their own GB sticker and you’ll need to take an additional green card with you. You should contact your car insurance provider at least six weeks before you set off, to make sure you receive your green card in time for your trip.

You may also need to register the trailer/caravan with the DVLA so it can be issued with a separate registration number needed to take it outside the UK. You can check whether your trailer or caravan needs to be registered here . 

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Travel Medical Insurance for RBC Clients 1

Emergency medical treatment can cost thousands.

Protect yourself with unlimited coverage for eligible emergency medical expenses 2 and 24/7 assistance.

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Essential coverage for canadian travellers, classic medical plan.

Single Trip: Ages 0-64 Multi-Trip: Ages 0-64

For travellers who need emergency medical coverage for trips outside their home province or territory.

• Unlimited emergency medical 2
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• 24-hour worldwide emergency medical assistance
• No deductible payment required

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• No health questions required
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• 9-, 16-, 30- and 60-day trip duration options available for multi-trip annual plans (call for 30- and 60-day options)
• Family plan pricing available

Insurance Documents:

For complete coverage details, limitations and exclusions, see:

• Classic Medical (Single Trip) Quebec Documents Opens PDF in a new window
• Classic Medical (Multi-Trip Annual) Quebec Documents Opens PDF in a new window

TravelCare ® Medical Plan

Single Trip: Ages 65+ Multi-Trip: Ages 65+

For travellers age 65 and up who need emergency medical coverage for trips outside their home province or territory.

• A few health questions are required
• Stable Definition opens in new window pre-existing conditions may be covered depending on the TravelCare Category opens in new window for which you qualify
• TravelCare Medical (Single Trip) Quebec Documents Opens PDF in a new window
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4-Day Getaway Multi-Trip Annual Medical Plan

For travellers who want the ability to take unlimited quick trips outside their home province or territory in the next year for one low price.

• No medical questions and no health exam
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• 4-Day Getaway Multi-Trip Annual Medical Plan Opens PDF in a new window
• 4-Day Getaway Multi-Trip Annual Medical Plan Quebec Documents Opens PDF in a new window

Make sure you have the right travel insurance—get an online quote or call the Enrollment Centre.

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If you’re using an RBC Royal Bank credit card to pay for your trip in full, see if your card provides enough coverage for your trip.

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Travel HealthProtector Has Been Replaced with New and Improved Coverage!

On May 1, 2020, we replaced Travel HealthProtector insurance with a new travel insurance product lineup.

RBC clients 1 can now enjoy:

• More choice, including robust travel insurance packages and travel medical plans
• Trip cancellation and interruption insurance as part of a package or stand-alone plan
• A shorter and simpler medical questionnaire (for clients age 65 and older vs. age 60 and older)

1) RBC client is defined as a client of the RBC Companies or a spouse or child(ren) of a client.

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Royal Bank of Scotland

The Royal Bank of Scotland run travel insurance through their Select Silver account, and they offer a wide range of benefits that make it easy for travellers to enjoy their journeys. The cover plan covers the majority of eventualities that travellers find themselves involved in while aboard, and there are also extension packages to cover extras that people may feel they need to take care of.

Other perks include a cash advance facility. If a customer is unable to secure funding while abroad and has difficulties finding any money at all, the Royal Bank of Scotland is happy to provide up to £500 as emergency cash funding. The company does require any user of this facility to provide them with a guarantee of repayment. The company will inform the customer of the nature of this guarantee when the situation arises.

All Select Silver account holders who are under 70 years of age are eligible for the policy. If you are aged over 70 you can apply for extensions to the policy and receive cover, but this is at the discretion of the Royal Bank of Scotland.

Baggage cover is generous, with the Royal Bank of Scotland covering up to £1,500 for lost or damaged baggage.

The company will also not cover items that are naturally fragile, such as china or glass.

Cancellation is another aspect of traveling that can be problematic. There are many reasons why your journey may have to be cancelled. You could have a death in the family, for example, and have to stay at home to deal with matters. Or you could find that you have been called for jury service, and you cannot avoid it. The cancellation cover is used for events like these, and the cover can be as much as £5,000. There are some very stringent requirements in place for this particular aspect of cover.

Exclusions for this aspect of cover are very clear. For example, if you have to cancel travel due to your own personal financial circumstances the company will not cover you for this. They will also not cover you if your government has stated that you should not travel due to your citizenship. This often happens when you arrange a flight to somewhere that is subsequently deemed unsafe by your government, and then you are unable to fly there.

In addition, if you have a pre-existing medical condition and you have not told the company about this then they will not be prepared to compensate you if it affects your travel so much you are forced to cancel.

Emergency medical expenses are covered, and you can even expect up to £10,000,000 in cover for emergency medical expenses. However, it is absolutely vital that you inform the company of any medical conditions that you may have before you take up the cover. If you have not declared any medical conditions and then the company discovers this, you are personally liable.

Exclusions are very clear here also. The company will not cover any cost of treatment that their own medical advisers deem to be non-emergency. This means that anything they think you could have waited to deal with at home will be treated as non-emergency.

If you are involved in any hazardous activities or sports and you have not told the company about them first before going on your journey, you can expect to have no cover.

If you were involved in any non-emergency treatment, such as an x-ray for example, this would not entitle you to any emergency medical claims.

Personal money claims are possible. It is always advisable to carry a small amount of cash around with you on holiday, but sometimes people carry significant amounts. If you lose or have stolen any personal money while on your journey, the company will offer compensation of up to £500. It is important that customers realise that any claims must be reported to the local police within 24 hours of discovery. So if you have your wallet stolen, you have to tell the local police force immediately, or there is a good chance you won't gain any compensation for it.

One exclusion is very clear. If you cannot prove that you had the money in your possession at the time of loss then you cannot expect to receive any financial cover for the eventuality.

The Royal Bank of Scotland has always had a reputation for integrity and high quality products. With great customer service and a dedicated 24-hour helpline, the company really shows that they are about the customer experience. Other aspects, like the message line service, show that the safety and comfort of their customers is of paramount concern to them.

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Royal Bank of Scotland Travel Insurance Review and Quotes

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Table of Contents

It might be the least exciting thing about your journey. But travel insurance is a must-have when it comes to getting assistance from the other side of the world.

Are you aware of this and are here to know whether Royal Bank of Scotland is the right company to go on holidays with?

In this definitive Royal Bank of Scotland review, we will tell you everything you need to know about their travel insurance policies: coverage options, prices, contact details, cancellation or claim process and much more. Let’s dive in!

Is Royal Bank of Scotland the best travel insurance for you?

Always just going for the cheapest travel insurance might not be the best option when it comes to getting assistance or a refund abroad.

At Safe, we strive to help any people travelling from the UK to get the best travel insurance to leave home with complete peace of mind. This is why we’ve dug into Royal Bank of Scotland travel insurance policy booklet and attributed our own neutral rating based on five weighted criteria as shown below.

4,2 Safe overall rating for Royal Bank of Scotland

Royal Bank of Scotland travel insurance reviews by expert and consumers

To check if Royal Bank of Scotland is the right travel insurance for you, you can use our free travel insurance comparison tool and get quotes from main travel insurance companies in a few seconds only. 100% anonymous and free.

Find the best travel insurance in just a few seconds!

What does Royal Bank of Scotland travel insurance cover?

Royal Bank of Scotland travel insurance offers different travel insurance covers to suit any traveller needs, whether you’re leaving for three days alone in Scotland or six months in Antarctica with your partner or whole family.

RBS's travel insurance policies are available to individuals, couples and families.

Royal Bank of Scotland single-trip and annual multi-trip travel insurances

You will find below the limits breakdown per level of cover for single and annual multi-trip insurance policies at Royal Bank of Scotland:

Royal Bank of Scotland winter sports travel insurancet

The winter sports travel insurance is usually an option that you can take on top of your single or annual multi-trip policy.

Winter Sports Cover is included as standard across all account types at RBS and it comes with the following benefits:

• Up to £400 ski equipment cover
• Up to £250 ski pack cover
• Up to £200 avalanche cover
• Up to £930 piste closure cover.

What are the other travel insurance options available at Royal Bank of Scotland?

Due to Brexit, some outbound flights from international airports might be delayed or cancelled. We would advise you to call Royal Bank of Scotland before travelling and make sure you get the right compensation amount for your flight or journey if it is cancelled or delayed as well as for Schedule Airline Failure Cover.

How much is Royal Bank of Scotland travel insurance?

You'll find below indicative quotes per level of cover at Royal Bank of Scotland:

It is, however, quite difficult to give precise price ranges as Royal Bank of Scotland travel insurance policy quotes will depend on a range of factors such as:

• Your age at the time of travelling
• The length of your stay
• Your trip destination (Europe, North America, Worldwide)
• The period you wish to be covered for (single trip, annual multi-trip, extension)
• If you need specific insurance (cruise, ski, backpackers, gadget cover)
• Your medical condition before travelling
• Who is travelling with you (on your own, as a couple, as a family).

Can I get travel insurance discounts or promo codes at Royal Bank of Scotland?

There are no discounts mentioned on the website.

Use our travel insurance comparison tool to be aware of latest promo codes and vouchers available at Royal Bank of Scotland.

What else should I know about Royal Bank of Scotland travel insurance?

What are the general exclusions at royal bank of scotland travel insurance.

To be eligible for a travel insurance policy at RBS:

• You must be a UK resident
• You have to have a valid Reward Bank Account at RBS
• You must be transparent about any pre-existing medical conditions of everyone named on the policy
• You must not exceed the period of insurance unless you bought a trip extension cover
• You must be 69 years or below unless you bought an age extension cover
• You must be travelling with the intention to return home.

How do I get travel insurance quote from Royal Bank of Scotland?

Nothing easier. Use our 100% online travel insurance comparison tool to compare all policies in just a few seconds, without giving any personal details. If Royal Bank of Scotland is the right one for you, then just click on get quote and you'll be automatically directed through the company's sale channel.

Good to know

Shopping around while shopping for personal insurance and not auto-renewing is always the best way to get the best deal and benefit from new customers discounts.

How do I log in to Royal Bank of Scotland website?

Through the customer portal, you can learn about your benefits, use your benefits online, view your benefits usage history and also make claims. You can click on the customer portal link .

How to claim at Royal Bank of Scotland travel insurance?

There are 2 ways to make a claim and that is either online or through a phone call.

How do I contact Royal Bank of Scotland travel insurance?

Royal bank of scotland contact phone numbers, royal bank of scotland other contact details, how to cancel your annual royal bank of scotland travel insurance policy.

You will find below main information to cancel your travel insurance policy at Royal Bank of Scotland:

Our opinion on Royal Bank of Scotland travel insurance

RBS's travel insurance policies are underwritten by U K Insurance Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

They offer Annual Multi Trip insurance policies as standard across their Reward Bank Accounts: Silver, Platinum and Black. Instead of paying an insurance premium, you only pay a monthly fee of maintaining your Reward Current Bank Account. The period of insurance varies across the levels of covers with Silver covering 22 days per trip, Platinum covering 31 days per trip, and Black covering 90 days per trip. Winter Sports Cover is included as standard across all 3 accounts. The Silver account offers European Travel Insurance while the Platinum and Black accounts offer Worldwide Travel Insurance.

In addition to the travel insurance, you can also enjoy the following benefits when opening a Reward Bank Account at RBS:

• Mobile phone insurance
• Debit card purchases abroad at no extra charge
• UK car breakdown cover
• Discounts on holidays when you book with Platinum Travel Service
• Two free UK airport lounge passes with each Platinum Travel Service holiday booking.

We would recommend Royal Bank of Scotland to anyone looking to open a current bank account that comes with a travel insurance cover as standard.

Alexandre Desoutter has been working as editor-in-chief and head of press relations at HelloSafe since June 2020. A graduate of Sciences Po Grenoble, he worked as a journalist for several years in French media, and continues to collaborate as a as a contributor to several publications. In this sense, his role leads him to carry out steering and support work with all HelloSafe editors and contributors so that the editorial line defined by the company is fully respected. and declined through the texts published daily on our platforms. As such, Alexandre is responsible for implementing and maintaining the strictest journalistic standards within the HelloSafe editorial staff, in order to guarantee the most accurate, up-to-date information on our platforms. and expert as possible. Alexandre has in particular undertaken for two years now the implementation of a system of systematic double-checking of all the articles published within the HelloSafe ecosystem, able to guarantee the highest quality of information.

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The basic everyday bank account that helps you take action, also known as our Select account.

• No hassle: easy to set up, simple to use, and zero monthly fee.
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• Earn £4 a month in Rewards for 2 or more direct debits of at least £2.
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• NatWest offer a 4-year tastecard. Offer T&Cs apply.
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Specific account eligibility criteria apply. Overdraft subject to eligibility.

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• Current account with a contactless debit card  for 11-17 year olds. 
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• Parent-managed pocket money app for 3-17 year olds.
• Set allowances and track your kids' spending and saving.

Eligibility criteria, fees & charges may apply. T&Cs apply (PDF, 100KB) .

Other current accounts

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Share your banking

A joint bank account could make sense if you're looking to share your Select or Reward account with someone you trust.

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If you're not eligible for the bank account you are applying for, you might be offered the Foundation account instead. You can't apply directly for this account.

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Enjoy a host of exciting benefits with our Premier current accounts. 

Specific account and Premier eligibility criteria apply. 

For existing customers

Upgrade your existing NatWest current account to a packaged account. Specific account eligibility criteria apply. 

Reward Silver

£10 monthly fee

• European travel insurance.
• Mobile phone insurance.
• Fee-free foreign card purchases.
• Plus, all the benefits of the Reward account.

Reward Platinum

£20 monthly fee

• Worldwide travel insurance.
• UK car breakdown cover.
• Includes all Reward Silver's benefits too.

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Whether you’re just starting out in business, or you’ve been running a business for longer, we could have an account to help you go further and do more. There’s support from business experts, specialist programmes to help you grow and expertise to tap into so you can succeed.

Business banking is available to eligible customers, over 18 who have the right to be self-employed in the UK.

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App Store and Google Play Store™ ratings correct as of 6th of February 2023.

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Money blog: The 24-minute rule - What time you should actually arrive at cinema to avoid adverts

We've gathered information from the UK's major cinema chains and spoken to experts about how long you can expect adverts and trailers to run until the main event actually begins. Read this and the rest of our Weekend Money content below and we'll be back on Monday with live updates.

Saturday 8 June 2024 08:06, UK

Weekend Money

• How long trailers last at each cinema chain - and what time you should get there
• Your comments : Concert prices, state of UK airports, self-service kiosks at Subway and HMRC glitch
• £2,000 tax hikes and interest rate cuts - the two things you need to know from Money this week

Best of the week

• Money Problem : 'I returned an item by post to Nike, they say they never got it and won't refund - what can I do?'
• Why you should consider swapping chicken breasts out of your shopping basket
• 100,000 reportedly due to remortgage onto higher rates before election - here's what you need to know
• How brands get you to buy more, more, more
• How much are student loans, when do you start paying back and what is the interest?
• Best of the Money blog - an archive

Ask a question or make a comment

By Narbeh Minassian , news reporter

The time on your ticket is 7pm, but you already know it's not going to start then.

So, what time do you get to the cinema?

If you're arriving at 7.10pm, you're almost certainly safe, but any later and you may cut it fine.

Here, we've gathered information from the UK's major cinema chains and spoken to experts about how long you can expect adverts and trailers to run until the main event actually begins.

According to the Cineworld website, ads and trailers "normally last between 30-45 minutes before the actual film begins".

The cinema also asks customers to collect tickets at least 20 minutes before the listed time "to make the most of their visit".

There appears to be a shorter wait at Odeon, which claims advert and trailer length is "typically 15-25 minutes" - but this varies with each performance and can be "considerably less".

"We always recommend to avoid disappointment you arrive with enough time to enter the screen at the scheduled performance start time," the website says.

There's a wider range at Everyman, which says it plays 25 minutes' worth of adverts and trailers.

But beware - "the length of ads and trailers varies for special events and it can be between 15 and 40 minutes, subject to type of event".

There isn't any specific information on the website and we got no response when we reached out to them, but Showcase did respond to a customer on social media on this very question.

In a May 2022 tweet, the cinema said: "The advertised time is when the adverts/ trailers start and are approximately 20-25 minutes long before each show."

Vue offers a more precise window: "Please be aware that most films have around 20 to 25 minutes of ads and trailers before the feature starts."

Its only recommendation is to be in your seat at the time stated so you "don't take any chances in missing the start of your film".

'In general, it's 24 minutes'

Karen Stacey, the chief executive of Digital Cinema Media, which supplies advertisement for the likes of Odeon, Vue and Cineworld, told Sky News the wait is typically 24 minutes - 12 minutes for ads, and 12 for trailers.

This remains true whatever the film and whatever the time of day, with about 95% of DCM's schedules "exactly the same".

"It's very formulaic, that's what consumers are used to," she said. "By making it consistent in length, people are always happy to come and join in."

She said 24 minutes gives schedulers enough time to prepare the film and allow a more staggered entry for the audience - while also bringing in revenue.

Any longer than half an hour, though, is "rare".

"Cinemas want to have as many films in as possible and they want to be mindful they don't finish too late in the evening," Ms Stacey said.

"My experience working with them is they are quite strict."

Are there rules over the length?

As the above suggests, there aren't any set rules or procedures governing cinema advertising length.

Kathryn Jacob, chief executive of cinema advertising company Pearl & Dean, said the length was determined by the cinema.

"Some cinemas take only one ad, like the BFI IMAX, and the maximum length is determined by the cinemas themselves," she told Sky News.

"Factors determining the length depend on demand from advertisers and the films that a cinema might want to showcase to the audience that's at the screening via trailers."

Cinema policy is the key decider and she said research has shown audiences find advertising in cinema "part of the entertainment".

Do viewers like the adverts and trailers?

Ms Jacob may have a point.

According to research published by DCM , advertising in cinemas is more effective than in any other media.

For a 60-second advert in the cinema, viewers will watch 48 seconds, which is a far higher proportion than TV or social media.

It is also highly trusted, with DCM citing a survey by IPA Touchpoints claiming nearly 100% of respondents say they trust what they see in the cinema - for comparison, 75% trust TV adverts.

Avid cinema-goer Bill Boswell, who pays £18 a month for an unlimited pass at Cineworld on the Isle of Wight, said he was happy to wait.

"I know that these adverts help pay for the cinema to run," he told Sky News. "The cinema is my place to escape, so it's good for my mental health and I would not want to lose it.

"If I watch at home, I can sometimes reach for my mobile phone, but a film on the big screen would get my 100% attention, so I just accept the pre-show adverts."

But what are the drawbacks?

The main thing Mr Boswell considers is his car, as his nearest Cineworld offers three hours of free parking.

"I would sometimes plan on 30 minutes of trailers and work back so I can fit the free parking in, as the cinema costs enough already," he said.

"If the film is more than two and a half hours, I park outside town and walk to the cinema."

Consumer expert Martin Lewis raised parking tickets as one of the issues in a 2019 tweet, in which he said he waited 33 minutes for a film to start.

Responding to one user, he said greater clarity would help customers to save on parking tickets and babysitting, while giving "legitimate expectation".

"And there's no rigorous research that prices [cinema tickets] would go up - they're often set by market demand," he added.

Are there alternatives?

If you want to avoid the pre-show altogether, your best bet might be independent or community cinemas.

Draycott Community Cinema, for example, is the only cinema in the Somerset village and is run by volunteers.

Committee member Chloe Haywood told Sky News they are always debating how long to make their pre-show.

They try to keep it to two short trailers, often without any adverts - though they are planning to find a sponsor later this year.

"We do find that it sets the audience up for the screening," she said, referring to their brief pre-show.

"We don't have trailers for long. They're to advertise the next two films, any local news that might be of interest, and then standard 'switch off your phones' type info."

We had a lot of feedback after our in-depth look at why concert ticket prices are so high these days...

Here's some of what you said...

Why do arenas and sports events have to charge so much for food and drinks? Over £8 a pint is absolutely scandalous and opportunistic greed. Britain is an absolute rip off. Lee J

In the same way that football has been gentrified, music is being steered towards the rich and middle class - real fans like me are no longer wanted by agents like Ticketmaster. Frontman

The ones responsible are the ones paying the prices like with coffee shops and other consumer products. Stop paying stupid prices, they won't charge them! Toby

Why are resale tickets allowed to be tripled or quadrupled? Recently offered a David Gilmour ticket for £600??? Springbok

1970... $7.50 to see Elvis at his prime in Vegas. The greatest entertainer ever. 2020... £300 to see Taylor Swift. The most overrated singer around today.  I know who got the best deal there! Steve Elliott

A quick calculation shows $7.50 in 1970 is the equivalent of $60.61 today.

Next, a brief mention of Subway's decision to change its ordering process in all stores to electronic kiosks by the end of the year...

Some readers complained in our comments box but when we asked our followers on LinkedIn whether they liked or loathed self-service via a screen, this was the result...

Another post that got you exercised contained quotes from the boss of Emirates comparing Heathrow to a Second World War airport ...

There wasn't much love for the UK's biggest airport from readers - or for any other airport across the country...

There need to be a lot of change at Heathrow! Specially with immigration checks. The long queues are killing me, someone can't wait 2hrs in a queue to get a clearance, it's absurd! Cheka

Heathrow is not the only one. Coming back to UK through Gatwick yesterday was a sobering experience. Tatty floor covering, scuffed and drab paint everywhere. Wall graphics lacking any imagination or vibrancy. Narrow walkways and corridors. Doesn't show the UK in a good light all. Frequent traveller

Heathrow a Second World War airport? Try coming off a plane with 300 others at Leeds Bradford and queueing outside in the cold and pouring rain trying to shuffle in through a small door that looks like it used to be an emergency exit. How difficult can it be to erect something? Paula Blue

I totally disagree Heathrow is as bad as the president says. Has he ever visited Manchester Airport? AJ

A major HMRC glitch on Monday meant 500,000 families did not get their child benefit on time. Multiple readers wrote in with their views...

So they will be paying compensation then? As they would fine us for late payments... Cybertuck

HMRC? Apologise? Due to an error by working tax credits, I've only just been paid six years' worth. And as to child maintenance payments… I can't even begin to discuss that without crying. LWE

Is there any government IT system in this country that works as it should? Tudor1

I don't have children, very sadly, but if I were told that HMRC were "sorry" for this glitch I would probably feel very violent. We get a lot of apologies these days which mean absolutely nothing (regrettably). Gillydhill

Confirming the problem had been fixed late on Monday afternoon, HMRC said: "We are very sorry some customers didn't receive their scheduled child benefit payments as expected and we understand the concern and difficulty this may have caused. 

"We've fixed the problem and affected customers will now receive their payments on Wednesday morning."

The news agenda this week has been dominated by election campaigning - with the first leaders' debate taking place on Tuesday night.

It saw Rishi Sunak cheer his supporters with the repeated claim that Labour would put up taxes by £2,000.

Sir Keir Starmer was, most observers thought, far too slow to respond - but the claim began to unravel the next day.

Data and economics editor Ed Conway's analysis of the Tory calculations suggested the £2,000 rise was actually spread out over four years - so £500 a year may have been a more suitable number for the PM to throw at his opponent.

Concluding his piece, Conway said you "probably shouldn't" believe the figures - but if you used the same methodology as the Tories, it would show they had put up taxes by £3,000 a year over the course of this parliament. Or £13,000, if you wanted to present the numbers in the same way as Mr Sunak did during the debate. 

Read Conway's full analysis here ...

Some distance from Westminster, the 20 countries that use the euro saw an interest rate cut this week - the European Central Bank moving before the US Fed and Bank of England.

A cut in the UK is currently priced in by markets for September - in the meantime, British holidaymakers could benefit from a weaker euro against the pound.

Business presenter Ian King says a potential weakening of the euro could have wider implications.

He explained: "It comes with risks, not least in terms of pushing up the cost of imports - particularly energy, which is priced in dollars, which could in turn push up inflation."

The price of exports into the US could go down - potentially undercutting American firms.

King went on: "A weaker euro would also carry risks in a US election year in which both Joe Biden and Donald Trump, his challenger, will be seeking to out-bid each other with protectionist policies."

Read his full analysis here ...

The Money blog is your place for consumer news, economic analysis and everything you need to know about the cost of living - bookmark news.sky.com/money.

It runs with live updates every weekday - while on Saturdays we scale back and offer you a selection of weekend reads.

Check them out this morning and we'll be back on Monday with rolling news and features.

The Money team is Bhvishya Patel, Jess Sharp, Katie Williams, Brad Young and Ollie Cooper, with sub-editing by Isobel Souster. The blog is edited by Jimmy Rice.

The BBC's content arm is among the suitors vying to buy the television production company which owns the rights to The Gruffalo.

Sky News has learnt that BBC Studios is participating in a sale process for Magic Light Pictures, which has won three BAFTAs and secured a quartet of Oscar nominations.

The auction is being run by Gotham Street, a specialist media deals boutique.

A number of other bidders are also said to be involved in the process given the quality of Magic Light's content library, which includes a number of works by The Gruffalo's creators, Julia Donaldson and Axel Scheffler.

The Gruffalo has become one of Britain's best-known children's characters, telling the story of an adventurous mouse that fends off a series of would-be predators by telling them about a supposedly imaginary creature called a gruffalo.

In the 2011 sequel, The Gruffalo's Child, the mouse then scares off a young gruffalo by using shadows to project a giant version of itself.

The two films have been distributed internationally by Magic Light, and along with the original Gruffalo books have sparked substantial merchandising revenues as well as a theme park attraction at Chessington World of Adventures.

The woman alleged to be the inspiration for the stalker in hit Netflix series Baby Reindeer is suing the streaming platform for $170m (£133m).

The show is said to be based on the real-life experiences of writer Richard Gadd, who plays himself as he copes with stalker Martha Scott.

Fiona Harvey, 58, claims she is the inspiration for Martha, who begins stalking Gadd after he serves her a free cup of tea in the pub where he works.

In the lawsuit, Ms Harvey has accused Netflix of spreading "brutal lies", including that she is a "twice convicted stalker who was sentenced to five years in prison".

"Defendants told these lies, and never stopped, because it was a better story than the truth, and better stories made money," it states.

"As a result of defendants' lies, malfeasance and utterly reckless misconduct, Harvey's life had been ruined."

Sky News's US partner network NBC News reports the lawsuit described the show's claim "this is a true story" as "the biggest lie in television history".

"Netflix destroyed a woman, claiming, among many allegations, that she was a convicted woman," Richard Roth, a lawyer for Ms Harvey, wrote in an email.

"It never contacted her. It never checked the facts. It never made any effort to understand the truth of its 'true story!'"

The lawsuit seeks actual damages and compensatory damages at $50m (£39m) each, punitive damages at $20m (£16m); as well as "all profits" from Baby Reindeer at $50m (£39m).

A Netflix spokesperson told Sky News: "We intend to defend this matter vigorously and to stand by Richard Gadd's right to tell his story."

Administrators to The Body Shop are aiming to clinch a sale of the stricken cosmetics retailer by the end of the month, even as its former owner veers away from making an offer for it.

Sky News' city editor Mark Kleinman has learnt that FRP Advisory, which was appointed to handle the chain's insolvency in January, has asked for indicative bids by next Tuesday.

British entrepreneur Mike Lynch has been cleared of all charges by a US jury in the high-profile fraud case related to the sale of his software company Autonomy to Hewlett-Packard (HP) in 2011.

Dr Lynch, who was extradited to the US to face trial just over a year ago, was acquitted alongside a former finance executive Stephen Chamberlain who had faced the same charges.

They were accused of conspiracy and attempted fraud over the £8.3bn sale to HP - a deal that has been the subject of costly legal action since.

Labour is promising to get more young people on the housing ladder as it announces its "freedom to buy" scheme on Friday.

The party is pledging to make the existing mortgage guarantee scheme - which sees the government act as a guarantor for people unable to save big deposits - into a permanent fixture if it wins the election on 4 July.

Meanwhile, the Tories are promising a tax cut for parents by raising the threshold for when families have to pay a levy on their child benefit.

The current system means if either parents or a parent's partner earns more than £60,000, they begin paying the high income child benefit tax charge, and lose the benefit altogether when a salary hits £80,000.

But if the Tories win the election on 4 July, they have promised to increase the threshold to £120,000 before any tax is paid, and to £160,000 before the benefit is withdrawn, as well as base it on a household income, rather than an individual.

Ever wanted to own your own Victorian island fort?

Well now you can - with two being listed with a guide price of £1m.

Spitbank Fort in Hampshire and No Man's Land Fort off the Isle of Wight have been listed for auction and can be bought separately - or as a pair if you can't pick between the two.  

During the Second World War, the forts were used to defend the Portsmouth dockyards. 

No Man's Fort is substantially bigger and probably presents itself more as a business opportunity, but Spitbank offers nine large bedroom suites across three floors and could potentially work as a private home to the right buyer. 

No Man's Fort has its own traditional English pub, a nightclub, and a helipad, while Spitbank Fort naturally boasts a wine cave plus a swimming pool and spa complex.

"Throughout my career as an auctioneer I've seen several sea forts hit the market that have achieved impressive prices as buyers have sought to pursue these trophy assets," said Robin Howeson, head of Savills Auctions.

"Having been carefully restored by the current owners, No Man's and Spitbank Fort represent exceptional market value, each guided at £1m. 

"Both offer an opportunity like no other; a waterfront location, up to 99,000sq ft of space and a chance to champion the heritage and legacy of these iconic maritime structures."

The auction takes place on 18 June. 

If you missed out on the general sales but want to bag yourself a last-minute ticket to Taylor Swift's show in Edinburgh tonight , it could set you back a whopping £4,000. 

Not to fear, however, as it is currently possible to land yourself a ticket for as little as £271 - if you settle for a somewhat restricted view. 

We've checked resale giant Viagogo for the latest prices, accurate as of 10.30am. 

As is often the case with popular tours listed on resale sites, many of the tickets are sold individually - so if you're happy to go alone tonight, you're more likely to get a ticket. 

For context, a ticket at general sale cost somewhere between £80-£160 depending on where you sit/stand. 

As it stands, the cheapest seat with an unrestricted view of the stage is currently up for sale at £323.

Just one ticket is up for £271, but has a "restricted view". 

Bringing a crowd

If you're looking to take someone with you, the cheapest pair of tickets without any restricted view will cost you a combined £1,706.

However, if you're happy with a restricted or limited view, you can pay the cheaper price of £538 for the pair (£269 each). 

You can buy up to four tickets in the same area for £303 each (£1,212 together) for a restricted view, or £555 each (£2,220 together) for an unobstructed view of the stage. 

Getting closer to the action 

Standing tickets are much sought after given their proximity to the stage. 

As alluded to at the top of this post, one frankly optimistic reseller has listed four general admission tickets for a staggering £4,256 each (in the "floor" section shown in the map below). 

However, you can get even closer - with one ticket remaining in the separate section to the left of the stage at £651 and another to the right at £559. 

A word of caution

Ticket resale sites, including Viagogo, have previously been accused of "ripping off" consumers amid concerns customers could be turned away at venues because of restrictions on some resold tickets.

The company was told in 2019 that it was required to make a number of changes to the way it collects and presents information about tickets on its site.

It has since pledged to be compliant with UK watchdogs and now offers a "100% order guarantee [which] covers both buyers and sellers".

If you're happy paying over the odds for last-minute tickets, make sure you're buying through a site with such a guarantee and always beware of scams!

House prices in the UK dropped by 0.1% between April and May, data from mortgage lender Halifax shows.

Analysts had expected a drop of around 0.2%, while last week, rival lender Nationwide said its measure of house prices rose in May after falling in the previous two months.

In the 12 months to May, prices rose by 1.5%, Halifax said - faster than the median forecast in a Reuters news agency poll for an annual increase of 1.2%.

"Market activity remained resilient throughout the spring months, supported by strong nominal wage growth and some evidence of an improvement in confidence about the economic outlook," Halifax's head of mortgages, Amanda Bryden, said.

The stable picture for property prices over the last three months was likely to give more confidence to buyers and sellers, she added. 

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Change your account to Reward Platinum

Please note: The monthly account fee will increase from £20 to £22 from 28th June 2024.

On this page

Boost your benefits with our Reward Platinum account

• Earn Rewards that you can redeem as cash, gift cards or e-codes with our retail partners.
• Mobile phone insurance.
• UK car breakdown cover.
• Worldwide family travel insurance.
• Free from non-sterling transaction fees on purchases abroad.
• Choose your way to pay with Apple Pay, Google Pay™ or Contactless Debit Card. Limits apply.

£20 monthly fee.

To apply, you must be an existing Royal Bank current account customer.

Get travel insurance and other benefits with our packaged bank accounts

Our Reward Platinum account is packed full of extras to help you while you're abroad. 

Worldwide travel insurance (with COVID cover)

Family travel insurance that covers you and your eligible partner and dependent children for trips up to 31 days. It includes emergency medical expenses, cancellations, baggage and more.

Worldwide travel insurance is underwritten by AWP P&C SA and administered by AWP Assistance UK Ltd trading as Allianz Assistance.

Who is covered under family travel insurance?

• Family cover includes you and your partner, plus any dependent children under age 18 at the start of the journey (under 23 if they’re in full-time education). Children must be living at the home address (or with the other parent), and be neither married nor in a Civil Partnership.
• Your partner is the person you, the account holder, lives with at the same home address in a relationship, whether married or cohabiting.

Over 70 or have pre-existing medical conditions?

• If you or your joint account holder are aged 70 or over, you’ll need to get in touch with us each year to get your cover, where there will be a £75 annual premium per person.
• Pre-existing medical conditions won’t be covered. You may have to pay extra for this or you may find that your condition cannot be covered. 

If wish to discuss further, you can call us: UK: 0345 609 0456 | Relay UK: 18001 0345 609 0456 | Monday to Friday, 8am-8pm | Saturday, 9am-5pm | Sunday, 10am-5pm.

If Allianz Assistance are unable to offer you an upgrade to extend the level of cover you need, or your upgrade insurance premium is higher than you expected because you have medical conditions, help could still be available.

You may be able to obtain alternative travel insurance cover for pre-existing medical conditions by contacting one of the providers featured in the  MoneyHelper Director y of specialist travel insurance providers for people with serious medical conditions. Do take time to study and compare the terms and conditions to ensure you have the cover you need.

Telephone: 0800 138 7777 | Relay UK: 18001 0800 138 7777. Monday to Friday, 8am to 6pm | Saturday, Sunday and Bank Holidays, closed

What cover does our travel insurance provide for COVID-19?

Your policy provides cover for the following situations related to COVID-19 as long as the Foreign, Commonwealth & Development Office (FCDO) aren't advising against "all travel" or "all but essential travel" to your destination:

Cancelling a trip due to:

• You or any insured person, close relative or travelling companion being diagnosed with COVID-19 or another pandemic disease
• quarantine (as an individual and not broadly as part or all of a population, vessel or geographical area) if not known at time of booking
• the FCDO advising against 'all' or 'all but essential' travel due to COVID-19 or another pandemic
• you're unable to access your pre-booked accommodation due to COVID-19 or another pandemic.

Cutting short a trip due to:

• A change in FCDO advice, as long as you weren’t aware of this advice when you travelled
• being unable to stay in pre-booked accommodation due to COVID-19 or another pandemic, as long as you weren’t aware of this when you travelled.

Spending abroad

No non-sterling transaction fees when you buy with your debit card abroad.

• Use your debit card for purchases anywhere in the world, in any currency, without worrying about charges for using your card abroad.
• There is no non-sterling transaction fee when using your Reward Platinum debit card outside the UK.
• Not valid for ATM withdrawals. Other local fees may apply.

Other features and benefits

• Banking with us

Insurance OpenClose

Mobile phone insurance, mobile phone insurance - in detail.

Covers the phone you use on a daily basis. If your account is in joint names, cover is also provided for the phone the other account holder uses on a daily basis. There is no cover for phones owned by your employer.

Two approved claims can be made in any 12-month period. If this is a joint account, each account holder can make two approved claims.

Claims are settled by replacing or, in certain circumstances, repairing your phone. We'll arrange a repair or replacement asap, so long as you're in the UK. Replacement phones are refurbished handsets in ‘as new’ condition using genuine manufacturer parts. Repairs use genuine manufacturer or manufacturer quality parts.

There is a £100 excess for each approved claim when your phone is replaced.

There is a £50 excess for each approved claim.

Replacement phones include a 12-month warranty. Repaired phones include a 24-month warranty.

UK car breakdown cover

Uk car breakdown cover in detail.

What you need to know about UK car breakdown cover:

• Roadside Assistance - anywhere in the UK.
• At Home - get help when your vehicle won't start at home.
• National Recovery - if the AA can't get your vehicle going, they'll take you and your vehicle to a destination of your choice.
• Onward Travel - if your vehicle can't be fixed at the roadside, the AA can help you complete your journey. This may be by arranging a replacement vehicle, booking you a night's accommodation or funding alternative transport costs (i.e. rail fares) where appropriate.
• Accident Assist - a 24/7 accident claims service. The AA will handle your insurance claim - at no additional cost - no matter which company insures you.
• All your vehicles are covered - your policy covers any privately registered vehicle you travel in, anywhere in the UK. It also covers your vehicle if it is being driven by someone else with your permission.

Things to remember:

• Doesn't cover any repair costs once the insured vehicle has been transported to a garage or repairer.
• Repeat call-outs for the same fault within 28 days won't be covered.

For more information on the cover including exclusions and limitations, please refer to our  car breakdown cover  page.

Roadside Assistance, At Home and National Recovery:  Provided by Automobile Association Developments Limited (trading as AA Breakdown Services) Onward Travel:  Underwritten by Acromas Insurance Company Limited Accident Assist:  Underwritten by AA Underwriting Insurance Company Limited

Lifestyle OpenClose

Cinema discount, cinema discount in detail.

Buy online through membership services and get great savings off the price of cinema tickets.

Valid at over 250 UK cinemas including Vue, ODEON and Showcase.

Any day, any time, any film.

Tastecard in detail

• Some restaurants may exclude tastecard use on Friday or Saturday evenings, Mother’s Day, Father’s Day, Valentine’s Day, the whole of December and potentially other "event" type days.
• Where restaurants offer 50% off food or 25% off food and drinks they may limit the number of people; where restaurants offer 2 for 1 this does not include side dishes or extras.
• Some restaurants require the customer to book prior to arriving.

Rewards OpenClose

Earn rewards, more details on earning rewards.

You can also earn 1% back in Rewards when you spend with our retail partners such as Morrisons, Costa and Uber Eats.

Your Rewards balance can grow quickly, they're easy to earn and they're easy to exchange.

Exchange Rewards

How to exchange your rewards.

As soon as your available Rewards balance is the equivalent of £5 or more, you can  log in to MyRewards  to exchange them. Keep in mind, if you choose to bank your Rewards it will take 5 working days to clear.

Banking with us OpenClose

Mobile app details.

Our mobile app is available to Digital Banking customers with a UK or international mobile number in specific countries.

What can you get up to with our mobile app?

Log in with your fingerprint   on selected Apple and Android devices – it’s simple, secure and fast.

View, cancel and amend your regular payments –  so you manage your bills where and when it suits you. Limits apply.

Easily pay family and friends using their mobile number -  (as long as they have our mobile app). Pay Your Contacts makes it quick and easy, and they’ll get the money instantly. Limits apply.

Get cash without your card  – Ideal if you’ve left your card at home. Simply go to any Royal Bank or Tesco cash machine and follow the steps in the app. You can withdraw up to £130 every 24 hours, you must have at least £10 available.

That’s only half the story. Find out what else you can do.  More about Mobile app .

Our range of savings accounts

Comparing savings accounts.

Whether you're new to saving, or more of an expert, our Savings Hub is designed to help you find the savings account that best suits your needs. We have a range of accounts which you could have access to if you open a current account with us.

View all savings accounts

Individual account eligibility criteria and conditions may apply.

Switch to Royal Bank

The Current Account Switch Service will do all the work when it comes to switching, moving everything across from your old account all within 7 working days, including Direct Debits and standing orders. All you need to do is tell us the details of your old bank account and when you want the switch to start.

We can not switch savings accounts or ISAs through this service. Any other products you have with your old bank will not be moved at the same time.

Current Account Switch Guarantee (PDF, 39KB)

A Guide to Switching Current Accounts (PDF, 3MB)

How does the Switch Service work?

An arranged overdraft is available with this account (subject to eligibility).

An overdraft is a form of borrowing and is repayable on demand. It can be useful for short term borrowing.

To apply for or amend an overdraft on your account visit our  Overdraft pages .

How do overdrafts work?

There are two different types of overdraft:

• An  arranged overdraft , which allows you to go overdrawn up to an agreed limit.
• An  unarranged overdraft . This is when you spend more money than you have in your current account  without  already having an arranged overdraft, or when you exceed your current arranged overdraft limit.

We charge interest on both types of overdraft. Going in to an unarranged overdraft limit can lead to payments being rejected. 

Now please take a look at the important legal info

If you carry on applying, it means you're happy with what's in these documents, including the FSCS information sheet. And happy to view your statements in Digital Banking - not posted. Please take some time to review, print and/or save the important information.

The account fee is increasing

The monthly account fee will increase from £20 to £22 from 28th June 2024. It’s important to review the account to make sure it still meets your needs.

Your Current Account Terms (28 pages)

All kinds of general info about our current accounts. Including details about the Reward Platinum Account.

Download PDF (162 KB)

Financial Service Compensation Scheme Sheet (1 page)

Very important information about how your money is protected. Just in case.

Download PDF (105 KB)

Fee Information Document (20 pages)

How much our charges will be. From taking cash out abroad to an unarranged overdraft.

Download PDF (133 KB)

What You Need To Know (2 pages)

Important basic info about the bank. For example, who regulates us and how to complain (hopefully you won't need that bit).

Download PDF (45 KB)       Send in the post

Our Lending Commitments (4 pages)

How we promise to treat you, if we lend you money. And what we expect from you in return.

Download PDF (44 KB)    

MyReward Terms (11 pages)

All the detail about the scheme. From how to set it up and how to earn Rewards, to how we’ll keep in touch with you.

Download PDF (79 KB)     

Platinum Account Insurance Product Information Document (12 pages)

Items covered within the Reward Platinum packaged account fee, e.g. Worldwide Travel and Mobile Phone Insurance.

Download PDF (152 KB)      Send in the post

Platinum Benefit Terms (55 pages)

These Terms are the ‘Platinum Benefit Terms’ referred to in ‘Your Current Account Terms’ and are part of the agreement between you and us for your Platinum account. 

Download PDF (247 KB)

Platinum Travel Insurance Terms (46 pages)

This booklet contains everything you need to know about your travel insurance.

Download PDF (718KB)

How your information might be used

It's important for you to understand how we use and share your information. Please read this  short summary  before you continue with your application.

Change your account today

Before we begin your application for a Reward Platinum account, we need to do a few final checks with you. First things first. You can apply if you:

• are aged 18 or over and a UK resident.
• already have a Royal Bank current account.

Great, let's get started

Just a heads up, you'll need to take a few steps to start your application.  

• If you're already using a device with the Royal Bank app, select the 'Start application' button below. Using a desktop? Simply  scan  the QR code with your mobile device that has the Royal Bank app.
• Once logged in, select 'Current Accounts'. 
• Then choose what type of account you would like to open, change or switch to, and follow the instructions within app to start your application. 

Can't scan the QR code?

Log in to Digital Banking

• Enter your customer number or 16-digit card number to get started. 
• You'll then need to enter your Digital Banking pin and password.
• Once you're logged in, select ' Current accounts ' from the product list. 
• Finally, choose the account you want to apply for and complete your application.

Let’s get you signed up for Digital Banking

You’ll need to sign up for  Digital Banking  with us in order to apply for a Reward Platinum account. The good news is that it normally takes only 5 minutes and all you’ll need is your sort code, account number and your Royal Bank Debit Card, if you have one.

How to register for Digital Banking

Head to ' Register for Digital Banking '.

Enter your personal details. We’ll need details including your name, date of birth, sort code and account number.

We’ll show you your customer number on screen (you're making good progress at this point). Make a note of it as you’ll need it when you log in, in the future.  If we don't need anything else from you you'll skip straight to step 7, but you may need to go to step 4, don't worry we'll let you know on screen. 

We'll then send you an activation code. We'll send you your activation code in a text message. Or if we don’t have your phone number, we’ll send it through the post.

Go to the Royal Bank of Scotland website and select ‘Log in’ in the top right-hand corner, have your activation code to hand.

On the log in page, type in your customer number and activation code.

Now you need to choose a password and PIN and commit them to memory. The PIN should be four digits long and your password can be between six and twenty characters, and contain both letters and numbers.

Finished. Now you can manage your finances anywhere you can get online.

Once you’ve registered, select ‘Next’ to log in and apply for a Reward Platinum account. 

Log in to Royal Bank Digital Banking

Forgotten your digital banking details.

If you've forgotten your log in details, don't worry, select 'Reset my Digital Banking' for further instructions. 

How to download and apply via the app

First, download the app, then:

• On your mobile or tablet, open the camera and point your device at the QR code.
• Follow the link that pops up to download the app.
• Use your details to log in, then select ‘Apply’ at the bottom of the app.

Can't scan the QR code? Available on selected devices.

Compare our current accounts

We're sorry but you must have an existing Royal Bank current account to upgrade to a Reward Platinum. 

Our Select and Reward accounts are available to new customers. If you still like the look of our Reward Platinum account you can come back and upgrade later.