HSBC Insurance Aspects

To help you understand what you are covered for at a glance - we've highlighted some common questions below.

Who is covered by this policy?

Cover is for you, the HSBC Insurance Aspects holder(s), your domestic partner (providing you are both under 70 years of age at the start date of your trip), and dependent children under 23 years of age at the start of your trip, if they are travelling with you or to stay with a close relative. All insured persons must be residents of the UK, Channel Islands or Isle of Man.

Do you need to know about any medical conditions?

You will need to call the HSBC Medical Risk Assessment helpline on 08000 517 142 if, before booking a trip if, in the 12 months before making the booking or opening your account (whichever is later) an insured person has:

• been prescribed medication, including newly prescribed or repeat medication
• received or is awaiting medical treatment, tests or investigations
• been referred to, or is under the care of, a specialist/consultant
• been admitted to hospital or had surgery

You must also tell Aviva if any of the above happen regarding conditions you have already declared, if there are any changes to prescribed medication or if any of the conditions deteriorate.

You should also tell Aviva after booking a trip but before you travel if:

• an insured person is referred to a specialist/consultant or admitted to hospital because of a new condition/symptom, or a previously accepted condition, or
• there has been any deterioration or a change in prescribed medication to accepted conditions you have already told us about

There is no cover where, at the time of opening your account or booking a trip (whichever is later), the insured person knew that the illness, injury or quarantine of a travelling companion, person the insured was going to stay with, close relative or business colleague could reasonably be expected to affect the insured person's travel plans.

Existing conditions are not covered at any time under this policy unless the insured person only has conditions included in the Accepted conditions list in the policy terms and conditions, or you've told Aviva about them and, they've agreed to provide cover in writing.

Can I extend the trip duration?

You may be able to purchase a policy upgrade for an individual trip to extend the duration up to a maximum of 120 days. Please call Aviva on 0800 328 1563 at the point of booking your trip, and one of their advisors will be happy to assist you.

Are holidays in the UK covered?

Yes. Holidays in the UK, Channel Islands of Isle of Man need to involve a stay of at least 2 consecutive nights. They must also have either pre-booked holiday accommodation in commercially run premises or prepaid bookings on public transport including flights and ferries.

Are Business Trips covered?

Yes, if you travel outside the UK to carry out non-manual work such as administrative tasks, meetings and conferences you are covered.

Am I covered if I go on a cruise?

Although this is not a specific cruise policy, cruises are covered as standard as they are simply a type of holiday, however, there is no cover for some things that special cruise policies may cover, e.g. Missed port, unused excursion and change of itinerary cover.

Will you come out if I'm the passenger rather than the driver?

Yes, with HSBC Motor Breakdown Assistance, cover is personal to the HSBC Insurance Aspects holder and so you're covered whether you're the driver or passenger of an eligible vehicle. However, please remember that the HSBC Insurance Aspects holder must be with the vehicle when the incident occurred and when assistance arrives otherwise assistance may not be provided.

How many times can I claim for a breakdown? 

You can claim up to 5 times per year per account holder.

How soon will I be covered once I take up HSBC Insurance Aspects?

Your cover starts as soon as you are an HSBC Insurance Aspects holder or 1 November 2018, whichever is later. However, breakdowns that occur before you take up HSBC Insurance Aspects are not covered.

Who's covered?

Anyone named as an HSBC Insurance Aspects holder is covered for Motor Breakdown Assistance.

Who provides the cover?

Cover is provided by RAC Motoring Services and administered by Aviva Insurance Limited. 

How do I report breakdown?

You can request breakdown assistance online or contact the callout helpline number for assistance as soon as you can on 08000 014 279 or 01603 606 377 (calls to this number are charged at your standard network rate).

Why do I need identification?

Cover is restricted to HSBC Insurance Aspects holders, and so to ensure that you are able to have assistance, it may be necessary to confirm that you are the policyholder.

What is covered by my Mobile Phone Insurance policy?

Mobile phone insurance covers phones you own (including phone contracts where you will become the owner at the end of the contract, or where you are contractually responsible for any damage to the phone) for accidental damage, breakdown (outside of warranty), loss and theft.

Do I need to register my mobile phone?

Your mobile phone is automatically covered. However, we recommend you register your mobile phone in advance to make the process of making a claim easier.

Are accessories covered by my Mobile Phone Insurance policy?

No, only the battery and chargers are covered if they are lost, damaged or stolen in the same incident. 

How long am I covered for?

You are covered by Mobile Phone Insurance from the date you became an HSBC Insurance Aspects holder, or 1 November 2018, whichever is later until the policy is cancelled/terminated or you stop paying the account fee.

Who is covered by my Mobile Phone Insurance policy?

Your policy covers you (the policyholder), any joint account holder and anyone temporarily using the phone with your permission.

What if I'm abroad and my mobile phone is lost or stolen?

You have worldwide cover, which means you can start the claims process from wherever you are by contacting us and reporting the theft to the local police as soon as possible.

Please bear in mind that we’ll only be able to arrange a replacement phone once you’re back in the Channel Islands or the Isle of Man (or in the UK if you live there).