Select and Cover

Yes. You'll need to find alternative cover if you still have a need for these cover options. You can remind yourself of the options you hold via your online portal.

We’ve reviewed our product range and decided to reduce the range of products we supply.

If you don’t cancel your policy earlier, your cover will end automatically on 30 September 2024. We'll send you a reminder closer to the time.

If you have any current claims, they'll continue to be handled in line with your policy terms and conditions and you don't need to do anything.

If you need to make a claim for any insured incident which has happened up to and including the last day of cover (even after the policy has been cancelled) visit Select and Cover claims or call the claims number on: 0345 302 8387

If you have the HSBC Select and Cover Worldwide Travel Insurance option, this cover will be ending on 30 September 2024 and you’re not covered for trips you book after this date.

• Any trip booked before 30 September 2024 will be covered (subject to policy terms and conditions) if the trip starts before 31 December 2024. We won't charge you for this extension to the cover.
• Cancellation cover will be provided (subject to policy terms and conditions) for any trips due to take place after 30 September 2024, as long as the holiday was booked before 30 September 2024 and the cancellation is before 31 December 2024. We won't charge you for this extension to the cover.
• If you book trips after 30 September 2024, you’ll need to find alternative insurance cover.

If you have the HSBC Select and Cover Starter Life option on 30 September 2024, we’ll extend your Starter Life cover (subject to policy terms and conditions) as a gesture of goodwill until 31 December 2024.

If you need to make a claim which has happened up to and including the last day of cover even after the policy has ended, please visit Select and Cover claims or call the claims number on: 0345 302 8387.

If you have the HSBC Select and Cover Worldwide Travel Insurance option, this cover will be ending on 30 September 2024, so you’ll no longer be covered for trips you book after this date.

• Any trip booked before 30 September 2024 will be covered (subject to policy terms and conditions) if the trip starts before 31 December 2024. We won't charge you for this extension to the cover.
• Cancellation cover will be provided (subject to policy terms and conditions) for any trips due to take place after 30 September 2024 as long as the holiday was booked before 30 September 2024 and the cancellation is before 31 December 2024. We will not charge you for this extension to the cover.
• If you book trips after 30 September 2024, you’ll need to find alternative insurance cover.

It will continue to be processed as normal.

Any current claims will continue to be handled in line with your policy terms and conditions.

If you’re looking to find alternative Worldwide Travel Insurance, you can get free impartial advice at Moneyhelper.

Or, you can call them on: 0800 138 7777

Lines are open 8am to 6pm Monday to Friday.

The British Insurance Brokers’ Association (BIBA) have a service which links you to an insurance broker who can do the shopping around for you for many types of insurance.

Or, you can call them on: 0370 950 1790.

Lines are open 9am to 5.30pm Monday to Friday.

Alternatively, you can find many types of insurance by searching online or via price comparison websites.

Please review all your cover options. You'll need to find alternative provider if you still have a need for these cover options.

In the Policy terms we state that where we decide to withdraw HSBC Select and Cover, we will either:

• Offer you an equivalent alternative policy (which does not disadvantage you); or
• Not offer you an equivalent alternative policy. In this event you will be given at least 90 days’ notice.

As no alternative products are available at this time, we have tried to provide you with as much notice as possible to give you time to find alternative cover.

No, it won't have an impact on your ability to get insurance with Aviva or another provider.

We’re cancelling your policy because we’re reducing the range of products we supply, and not based on your personal circumstances. You don’t need to disclose this to a new insurer.

All trips booked before 30 September 2024 are covered (subject to policy terms and conditions), provided you depart before 31 December 2024.

Pre-booked trips taking place after 31 December 2024 won't be covered and you will need to consider seeking alternative cover.

We're providing cover for pre-booked trips until 31 December 2024, as we appreciate you may already have trips booked and are relying on this cover.

We wish to reduce the disruption that withdrawing this product may cause to you and we won't be charging you for this extension to the cover.

No. The Excess Protection will end on 30 September 2024.

No, you don't need to tell us about any pre-booked trips, all validation will be carried out at the point of claim as normal.

Yes. At point of claim we'll ask to see evidence that the trip was booked before 30 September 2024. For example, your booking confirmations with the original booking dates.

There's no need to complete lengthy medical declarations or make regular disclosures. And in most cases, sudden and unexpected changes will be covered by this Select and Cover policy, whether it’s related to an existing condition or a new condition.

There are some circumstances we won’t be able to cover, based on your health. Each time you travel you should check your circumstances are covered under the ‘Your health' section in the Terms and Conditions.

For further support, give us a call on 0345 051 1351.

If we can't cover you, then you may be able to get cover from a specialist insurer. The MoneyHelper has a list of these insurers, you can check its travel directory.

Please note, you may not be able to find cover for undiagnosed symptoms and you may need to wait until you have a diagnosis before getting cover elsewhere.

If you have the HSBC Select and Cover Starter Life option on 30 September 2024, we’ll extend your Starter Life cover (subject to policy terms and conditions) as a gesture of goodwill until 31 December 2024.

This is to give you as much notice as possible if you wish to arrange alternative cover.

Yes, you should review the level of any excesses you chose within your existing main insurance policies (Home, Motor, Pet, and Travel) to ensure they remain appropriate for your needs and contact your insurance provider if you need to amend them.

Yes, if you act before 31 July 2024.

You won't, however be able to add or remove cover options from 31 July 2024. If you no longer have a need for one or more of your cover options, you should consider cancelling your policy early and seeking alternative cover elsewhere if needed.

Yes. You can do this at any time before the 30 September 2024 by logging onto your policy via online banking or call us on: 0345 051 1351

Opening hours 8am to 6pm, Monday to Friday, excluding public holidays, calls may be monitored or recorded.

Please refer to section ‘5. Cancelling your policy’ within the terms and conditions for full details. If you cancel before the 30 September 2024 all cover will cease from the date you cancel as per the terms and conditions.

This depends on when in the month you pay and what day this payment covers you up until. You’ll only pay for the cover you’ve had. If a refund is due, it will be paid within 10 working days of the policy ending.

Depending which day of the month your premium is collected, one further payment may be due after the 30 September 2024. If so, it will be taken within 10 working days of the policy ending.