RAC UK and European motor breakdown assistance
When you’re on the road, it’s great to have the peace of mind and reassurance that comes from comprehensive motor breakdown cover. Your UK and European breakdown cover includes:
- Personal-based breakdown cover for the named account holder(s) NOT the vehicle.
- Roadside assistance to repair your vehicle.
- Recovery for up to eight people and your vehicle to any destination within the UK.
- Breakdown assistance at your home.
- Replacement car for up to one day whilst your vehicle is being fixed or overnight accommodation or alternative form of transport.
RAC has been a breakdown organisation since 1897 and have more patrols per member than any other breakdown provider. RAC patrols also fix four out of five cars at the roadside.
UK and European motor breakdown cover is provided on behalf of The Co-operative Bank by RAC.
Worldwide family travel insurance
Your worldwide travel insurance is active immediately and you can use it for as long as you have a smilemore current account
Unlike some policies, our insurance cover also includes personal belongings, scuba diving, golf and winter sports*
Worldwide family travel insurance is underwritten by Inter Partner Assistance (IPA) and serviced by AXA Travel Insurance. Both companies are part of the AXA Group.
*Cover under your policy will cease when you reach 80 years of age or when your smilemore current account is closed or the policy is cancelled, whichever is the earlier. Cover for holidays involving winter sports activities is not operative if you are 65 years of age or older. Policy limitations and exclusions apply, please ensure that you read the Policy document.
Mobile phone insurance
This policy covers up to four mobile phone(s) and SIM card(s) for each Co-operative Bank Privilege or Privilege Premier current account (which must be owned by the account holder (you) or their family members. A family member is a relative living at the same address.)
Replacing or repairing your mobile phone, up to a maximum value of £1,000 (including VAT) per claim, in the event of:
- Breakdown (including faults occurring anywhere in the world)
Unauthorised network charges from the point that your mobile phone was lost or stolen for up to 24 hours after discovery of the loss or theft, up to a maximum value of £2,000 (including VAT) per claim for monthly contract phones and £100 (including VAT) for Pay As You Go phones.
Mobile phone accessories that are lost, stolen or damaged at the same time as your mobile phone, up to a maximum value of £350 (including VAT) per claim.
You need to pay a contribution every time you make a successful claim of:
- Apple handsets - £75
- Non-Apple handsets - £50
This policy has been arranged as part of your bank account and is administered by Lifestyle Services Group Limited (Financial Services Register No. 315245) with a single insurer, Assurant General Insurance Limited (Financial Services Register No. 202735). Assurant General Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Lifestyle Services Group Limited is authorised and regulated by the Financial Conduct Authority. All firms’ register details can be checked on the Financial Services Register by visiting the FCA’s website www.fca.org.uk/register or by phoning 0800 111 6768.
£500 overdraft (first £260 is interest free)
Debit interest of 15.9% EAR per annum is charged on the total overdrawn balance over £260. A £20 set up fee applies to all overdrafts over £500, when you agree new limits and upon each renewal of the overdraft. Subject to status.
Representative example: The advance of credit of £500 for a 12 month term at an interest rate of 15.9% EAR variable charged on the amount borrowed over the interest free £260 overdraft facility. Total amount payable £538.16. Interest is payable each month and the remaining balance would be repayable in one instalment at the end of the term.
Legal advice helpline with The Co-operative Legal Services
The Co-operative Legal Services can offer you personal legal advice on any of the following areas: Consumer Rights, Family Law, Will Writing, Probate, Employment Law, Property, Personal Injury, Criminal Law, Debt, Tenancy Agreements and Civil Litigation. If you need our help you can call our dedicated helpline on 0845 603 7035, 24 hours a day, 7 days a week.
To help The Co-operative Legal Services check and improve their services standards, all calls are recorded.
Check you’re not insuring twice
Please ensure that you do not already have Travel Insurance, Mobile phone cover and/or Motor Breakdown cover in place with The Co-operative Insurance or any other provider, even if it is part of another Bank Account. If you do, you need to check whether this product is suitable for your needs as you may be paying for insurance twice whilst only being able to claim on one policy