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HSBC Insurance Aspects

A selection of benefits for home, abroad or on the road

HSBC Insurance Aspects provides:


Worldwide Travel Insurance (for customers aged under 70)

Please note that Insurance Aspects is currently not available for new customers.

Stay protected with worldwide Travel Insurance provided as part of HSBC Insurance Aspects. This Travel Insurance is provided by Aviva Insurance Limited and provides cover for you and your family on worldwide trips whether travelling by land, air or sea.

  • Baggage cover for loss, theft or damage to your personal belongings
  • Up to £10 million of medical cover for emergency medical treatment and associated expenses
  • Disruption to your travel plans: Cover if you miss your pre-booked transport or if you're delayed after check-in for at least 12 hours
  • Up to £5000 cancellation and abandonment cover: Refund of non-recoverable travel and accommodation costs if you're forced to cancel or cut short your trip including cover for if your transport or accommodation provider or booking agent becomes insolvent or you're unable to travel or continue your trip due to a major incident such as a terrorist attack
  • Winter Sports cover. Up to 31 days of Winter Sports cover for loss, theft or damage to winter sports equipment. Also includes additional benefits for delays due to avalanche, ski pack, piste closures or injury or illness which prevents you from taking part in winter sports activities
  • Optional upgrades: Extended trip duration, increased cancellation and abandonment cover, increased cover for golf equipment and green fees

To be eligible for HSBC Insurance Aspects Worldwide Travel Insurance you must be aged under 70 at the start of your trip.


24 hour Motor Breakdown Assistance

Motor Breakdown Assistance covers you as a driver or passenger of any eligible vehicle for breakdowns which occur at your home address or on the road in the UK, Channel Islands or Isle of Man.

You can benefit from up to 5 call outs per year.

Why not save the helpline number so you've got it to hand in an emergency: 0800 587 9809 or 020 8603 9809 (calls to this number are charged at your standard network rate).

Upgrades are available to enhance your cover, more detail is available here*.

*This link may allow you to access a non-HSBC Group website. HSBC Bank plc has no control over the linked website and is not liable for your use of it

HSBC Insurance Aspects Motor Breakdown Assistance is provided by AWP P&C SA


Mobile Phone Insurance

Covers your mobile phone against loss, theft or accidental damage up to a claim limit of £1,000 less a £50 excess.

  • Includes worldwide cover
  • Cover is provided for one mobile phone for each HSBC Insurance Aspects holder
  • You must own the phone and be a UK, Channel Islands or Isle of Man resident
  • Your phone can be on contract or Pay-as-you-go
  • Maximum 2 claims per HSBC Insurance Aspects holder per policy year
  • All customers must be 18 or over

Mobile phone insurance is provided by Allianz Insurance plc.

Please note

HSBC Insurance Aspects is currently not available for new customers to purchase. This information is for Advance customers who hold HSBC Insurance Aspects.

Important changes to the HSBC Insurance Aspects cover

From 1st November 2018 – 

  • The provider of the Motor Breakdown Assistance policy is changing to the RAC, with the policy administered by Aviva Insurance Limited
  • The provider of the Mobile Phone Insurance is changing to Aviva Insurance Limited, with the policy administered by The Carphone Warehouse Limited.

Additionally from this date there will be a number of changes to the Motor Breakdown Assistance and Mobile Phone Insurance policy terms which are detailed in the Notice of Variation booklet (PDF).

All existing HSBC Insurance Aspects policyholders will be notified of these changes in September 2018 and sent new policy terms which are effective from 1st November 2018 –

The HSBC Insurance Aspects Travel Insurance policy is not impacted.


Existing HSBC Insurance Aspects customers

Eligibility criteria:

  • Hold and pay the monthly fee from your HSBC Advance Account
  • Reside in the UK, Channel Islands or Isle of Man
  • Be registered with a doctor in the UK, Channel Islands or Isle of Man and liable for UK/local taxes

Important information

If you decide to cancel your HSBC Insurance Aspects it will not be possible to reinstate this HSBC Insurance Aspects in the future.

If you close your HSBC Advance Bank Account from which the monthly fee is paid, we will automatically close HSBC Insurance Aspects at the same time.

If you tell us that you are moving outside of the UK, Channel Islands or Isle of Man, we will close HSBC Insurance Aspects from your date of departure.

HSBC Insurance Aspects fee

  • £9.95 a month
  • £4.95 if all policy holders are aged 70 or above (does not include travel insurance)
  • This fee will be taken from your HSBC Advance Bank Account

Frequently Asked Questions

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