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Ultimate Reward Current Account common enquiries
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Step one
Open your mobile app and sign in. On your Packaged Bank Account, click on the three dots
Step two
Scroll down to click View account benefits
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Scan the QR code to download the app
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You can also manage your account benefits and make a claim by calling us.
If you’re an Ultimate Reward Current Account customer, please read our FAQs (PDF, 144 KB) for more information about the travel insurance which comes with your account and COVID-19. You can also visit our payment disputes page, for help if your travel has been disrupted.
Common enquiries for existing Ultimate Reward Current Account customers.
Do you have an Ultimate Reward Current Account with us? Find out the key information relating to the benefits of your account and importantly how to use them when you need to.
For full details of your benefits, policies, account terms & conditions and the range of third party providers we use, please read the Getting Started Guide (PDF, 1.33 MB).
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AA Breakdown Family Cover
AA Breakdown Family Cover is provided by Automobile Association Developments Limited (trading as AA Breakdown Services).
Some key benefits
Some exclusions and rights to refuse service
Some key benefits
- Roadside Assistance
- At Home
- Provides cover within the UK, Channel Islands and Isle of Man
- Cover for the account holder and eligible family members, not the vehicle
Some exclusions and rights to refuse service
- Does not include AA National Recovery, which would recover you/eligible family members to any single UK destination of choice. Under this cover if it is not possible to fix the vehicle at the roadside, you or your eligible family member will be recovered to a local repairer or the AA’s choice or a destination of the covered person’s choice provided it is no further
- There’s no cover for you /your eligible family member if you or they are involved in a road traffic accident and the AA will not recover your vehicle. The AA may be able to provide support in the event of an accident if you decide to use the AA Accident Assist service - see below
Making a claim:
You or an eligible family member can make a claim with the AA.
More about AA breakdown family cover
AA Accident Assist
AA Accident Assist is available to account holders only. This service could help if you or a person insured on your vehicle are in a motor accident where all parties are insured. The service could recover and fix your vehicle, provide a replacement vehicle or courtesy car and manage insurance claims.
The service is only available in England, Wales and mainland Scotland and is not available for motorbikes or mopeds.
We have included the AA Accident Assist terms and conditions in the policy documents. The link is provided above. You will only be asked to agree to the terms if you choose to use the service. The AA will check to see if you are eligible, talk through your situation, describe the help the service can offer, as well as any costs that may be involved, so that you can decide if you want to go ahead.
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Mobile phone insurance
Mobile phone insurance is arranged through Lifestyle Services Group Limited with a single insurance provider, Assurant General Insurance Limited.
Some key benefits
Some important exclusions
Some key benefits
- One phone per account holder, maximum of two for joint accounts
- Repair or replacement phone up to a maximum value of £2,000 (including VAT) per claim
- Covers for loss, theft, damage or breakdown (including faults).
Some important exclusions
- Excess of £100 is payable on all successful claims
- No more than 2 successful claims per account holder in any 12 month period
- If you make a valid claim for a replacement handset, you will receive a refurbished device which has been through a comprehensive checking process to ensure it’s in full working order
Registering your phone
You can register your mobile phone details with the insurer using Online Banking.
Instructions for registering your phone online:
- Sign into Online Banking and select your Ultimate Reward Current Account.
- Select the More actions option and then Account information and benefits.
- Select View account benefits.
- From here, you can register your phone under Mobile phone insurance
If you don’t bank online, you can also register your phone by calling Membership Services.
If your phone is lost or stolen, you must notify the police and your airtime provider as soon as possible. Not taking these actions could result in your claim being declined.
You will be asked the following information so make sure you have it ready:
- Make and model of your phone. Tip: check your instruction manual or remove the back cover and battery to see a label with this information
- Your service/network provider. Tip: details of your service provider are often displayed on the screen of your phone or are on your contract or monthly statement
- Your International Mobile Equipment Identity (IMEI) number. Tip: this will be displayed on your mobile phone screen by dialling *#06# on the keypad.
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Home emergency cover
Home emergency cover is provided by AXA Assistance and is underwritten by Inter Partner Assistance SA (IPA).
Some key benefits
Some important exclusions
Some key benefits
- Covers a sudden unexpected incident to your home which needs immediate action to:
- Make it safe or secure and avoid damage or more damage
- Make it fit to live in
- Restore electricity, gas or water services if they have totally failed
- Provides a qualified person chosen by the insurer to deal with the emergency up to £250.
Some important exclusions
This policy is to deal with ‘home emergencies’ needing immediate attention only and will cover costs up to a maximum of £250. It does not cover broken freezers for example.
Raising a claim
Before you make a claim, please remember:
- If you are a tenant, you must get agreement from your landlord before contacting the insurer
- You must contact the insurer before instructing any tradesman
- Covers a sudden unexpected incident to your home which needs immediate action to:
Travel insurance
Administered by AWP Assistance UK Ltd (trading as Allianz Assistance) and underwritten by AWP P&C SA.
Important information
Pre existing medical conditions aren’t covered under this policy, unless they are agreed with the insurer first. An additional premium may apply. If this affects you contact Allianz Assistance directly to find out more.
You might want to visit the MoneyHelper service, which lists firms offering travel insurance for customers with medical conditions. This could help if you’ve been offered cover with a high premium, been refused, or have had cover cancelled due to medical conditions. Think about what might suit your needs best and who you need specialist cover for. For more information access the directory.
If you’re looking for the online self-assessment medical screening link, this is currently unavailable. To understand if you or anyone to be covered under the policy have any conditions that could impact your cover please call Membership Services.
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Some important exclusions |
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Calls may be monitored and recorded.
