Select And Cover Insurance | Manage Your Policy

Find out more about managing your Select and Cover policy here.

Change or manage your policy details
Cancel your policy

Change your personal details

Update your personal details like your address or phone number by logging on to your online account.

Update your policy

Select different options

Log on to change your cover. You can switch choices annually as your circumstances change. You can swap all your options during an annual review period - we'll send you a reminder to review your options before your 30 day anniversary window opens.

You can also add and remove 1 option during each year, so long as you maintain a minimum of 3.

When you make a change, we’ll let you know how it affects your premium. Any changes to your payments will always be calculated on a daily basis and there are no admin fees, so you’ll only ever pay for the time you've been covered.

**Your options explained**
When	What
Policy start date	You can make unlimited changes to your selection within a 30-day policy cooling off period
Cooling off period	After the first 30 days of your policy and before the anniversary window you can add 1 and remove 1 option from your selection as long as you maintain a minimum of 3 options
1st policy anniversary	For 30 days before your policy anniversary you can make unlimited changes to your selection. Changes will become effective from your policy anniversary
Between your previous and next anniversary	From each policy anniversary until the next anniversary window you can add 1 and remove 1 option from your selection as long as you maintain a minimum of 3 options
Next anniversary	Each year you will have a 30-day anniversary window when you can make unlimited changes to your selection effective from your policy anniversary

**Your options explained**
When	Policy start date
What	You can make unlimited changes to your selection within a 30-day policy cooling off period

When	Cooling off period
What	After the first 30 days of your policy and before the anniversary window you can add 1 and remove 1 option from your selection as long as you maintain a minimum of 3 options

When	1st policy anniversary
What	For 30 days before your policy anniversary you can make unlimited changes to your selection. Changes will become effective from your policy anniversary

When	Between your previous and next anniversary
What	From each policy anniversary until the next anniversary window you can add 1 and remove 1 option from your selection as long as you maintain a minimum of 3 options

When	Next anniversary
What	Each year you will have a 30-day anniversary window when you can make unlimited changes to your selection effective from your policy anniversary

Cancel your policy

You can cancel your policy at any time with no exit fee. Log on to online banking to cancel or call us on 0345 051 1351 (opening hours 8:00 to 18:00, Monday to Friday, excluding public holidays – calls may be monitored or recorded). Terms and conditions apply.

You won’t be able to repurchase Select and Cover after cancellation.

Your right to cancel

You can cancel your policy within 30 days of the policy start date (or from when you receive your documents, whichever is later). If you decide to cancel within these 30 days you will receive a full refund of any premium you have paid providing no successful claims have been made on your policy.
If there has been a successful claim on your policy or you wish to cancel after the first 30 days, you can cancel your policy with immediate effect at any time and will receive a refund for any unused days you have already paid for. You won’t be able to repurchase Select and Cover from the date your cancellation becomes effective.

To cancel your policy please visit us online at www.hsbc.co.uk call us on 0345 051 1351 (opening hours 8am to 6pm, Monday to Friday, excluding public holidays, calls may be monitored or recorded), or write to us at Customer Service Centre BX8 7HB.

Our right to cancel

HSBC (or any agent appointed and who acts with HSBC's specific authority) may also cancel this policy where there is a valid reason for doing so by sending written notice to your last known address or email address explaining the reasons. Valid reasons include, but are not limited to:

Where a premium is not paid on time. If this happens you will be contacted by letter or email to notify you of this. If the payment is not received within 14 days from the date of the letter or email your policy will be cancelled from the date the premium was due without the need for any further notice to be given to you. You will not be able to reapply for HSBC Select and Cover for six consecutive months from the date the cancellation becomes effective.
Where you are no longer eligible for any of the Options in your selection. If this happens your policy will be cancelled with immediate effect to ensure that you are not paying for cover that you cannot use.
Where HSBC or the underwriter(s) reasonably suspect fraud or where any person insured by this policy has failed to provide complete and accurate information as required by the 'Changes we need to know about' section of '6. Making changes to your policy', the underwriter(s) may refuse any claim and HSBC may cancel your policy immediately. Where you or the insured person's actions are deliberate or reckless you will not be entitled to a refund. HSBC and/or the underwriter(s) may also take legal action against you.
Where any insured person fails to co-operate with the underwriter or provide information or documentation the underwriter reasonably requires, and this affects the underwriter's ability to process a claim or defend its interests the underwriter will pass details to HSBC which may, at its discretion, cancel your policy.
Where the number of Options in your selection has fallen below the minimum of three and you have not increased the number in your selected Options to three or more following HSBC's request for you to do so.
Where we are notified of your death your policy will be cancelled with immediate effect
Where HSBC decides to withdraw HSBC Select and Cover. If this happens HSBC will either:
1. Offer you an equivalent alternative policy (which does not disadvantage you); or
2. Not offer you an equivalent alternative policy. In this event you will be given at least 90 days’ notice. Unless otherwise stated above, if HSBC cancels your policy you will be given at least 30 days written notice to the last known home or email address you have provided to HSBC.

Unless otherwise stated above, if HSBC cancels your policy you will be entitled to a proportionate refund based upon the number of unused days for which you have paid.

Log on to manage your policy

From viewing or updating your details to changing your coverage, you can manage everything in your online account.

Log on to manage your policy This link will open in a new window

Your Select and Cover product options are provided by Aviva Insurance Limited (“Aviva”), with the exception of Motor Breakdown cover, which is provided by RAC, and Starter Life cover, which is provided by HSBC Life (UK) Limited. HSBC UK Bank Plc acts as an insurance intermediary for Select and Cover.

When you click ‘log-on’ and enter your online banking credentials to access the HSBC Select and Cover platform, HSBC UK Bank plc will securely pass your personal information to our third party provider. This is to enable the online display of the Options that are available to you on HSBC Select and Cover and to enable the purchasing and servicing of your HSBC Select and Cover policy.

For more information on how we use your personal information, please read our Privacy Notice (PDF).

Frequently asked questions

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 policy whether it’s related to an existing condition or a new condition.

Please check the Terms and Conditions for all of the information on ‘Your Health’ to understand what is and isn’t covered. For further assistance call us on 0345 051 1351.