Signature Current Account

When your next trip comes around, your Signature Current Account takes care of the travel insurance – automatically.

• Your family – you and your partner are covered, along with up to four dependent children aged under 18. Your children are even covered on school trips – as long as someone over 18 remains responsible for your child
• UK trips – as long as you’re in pre-booked accommodation, you’re covered too
• Age and medical conditions – you’re covered until your 75th birthday. And if you or anyone insured on this policy have pre-existing medical conditions, just call 0845 602 7453. If the insurer can’t cover your condition, they can simply exclude it from your policy
• Golf and wedding cover – included as standard under the policy
• Natural catastrophe cover – providing cover for cancellation of your trip or additional costs incurred to reach your destination
• Talking Nurses – access to a telephone based service to answer your medical questions, before and during travel
• Second Opinion Medical Services – if you, your partner or dependent children suffer any accidental injury or illness, you’ll get access to a medical second opinion service
• Excluded countries – Afghanistan, Cuba, Liberia and Sudan, or areas where the Foreign and Commonwealth Office have advised against all but essential travel

*Cover is not provided for travel to or through Afghanistan, Cuba, Liberia and Sudan or areas where the Foreign and Commonwealth Office have advised against all but essential travel.

Green Flag UK car breakdown cover

You’ll never be left stranded with your Signature Current Account. It comes with Green Flag UK Breakdown Cover, to get you back on the road if your car ever breaks down.

• Cover at home or on the roadside, if the vehicle you are travelling in breaks down we can come to the rescue
• Repair or recover. We’ll arrange for Green Flag to come to you as soon as possible and attempt to repair the vehicle, or if necessary take you, the vehicle and any passengers to an available repairer of our choice (no matter how far it is) or your chosen destination (as long as it is within 10 miles of the incident)
• We can relay telephone messages to your friends, family and even work colleagues to advise of unforeseen travel delays

With Personal Cover you’re covered, regardless of whether you are the driver or passenger. As long as the vehicle you’re travelling in at the time is privately registered in the UK and less than 16 years old, we can help you.

Mobile phone insurance

Don't let a stolen or lost phone spoil your day. Signature Current Account offers valuable cover for your mobile phone.

• Cover for up to an original retail cost of £750 includes iPhones, Blackberrys and Android phones and you can make two claims in any 12 month period
• One phone per account holder
• Worldwide cover − against loss, theft, damage and electrical or mechanical breakdown
• Unauthorised charges cover − up to a maximum of £1,000 per claim for a contract phone or £100 for pay as you go
• Accessories cover – if they're involved in the same incident – up to £250 per claim
• My Data Backup – an online service that can back up your smartphone's data and recover it if something happens to your handset

There's no need to register your phone details with us, but it can help improve the claim process if you do. You can register your phone details or make a claim online. Alternatively you can call 0845 602 7453

Gadget insurance

Signature Current Account offers valuable cover for your and your family's gadgets, including MP3 players, laptops and iPods.

• £750 – gadgets with an original retail value between £50 and £750 (inc. VAT) are covered.
• Worldwide cover − against loss (not tablets, iPads and laptops), theft, damage and electrical or mechanical breakdown
• Covers accessories − involved in the same incident – up to £250 per claim
• Gadgets must be no more than 5 years old at point of claim
• You can make up to two claims in any 12 month period

You can register your gadget details or make a claim online or you can call 0845 602 7453.

ID Defender

Your identity is a valuable possession − we'll help you keep it safe with ID Defender.

ID Defender protects the information you share online and lets you know if your personal data is being accessed by criminals to commit fraud in your name.

ID Defender includes access to:

• Keystroke Encryption Software – Guarded ID – that you can download onto three of your devices
• Web Detect – which checks to see if your personal or financial details are being used online
• Online Credit Report – get access to your credit history whenever you need it
• A Specialist Fraud Helpline – get advice and support if you think you've been a victim of identity fraud

You can register your for ID Defender and access your Credit Report. Internet access is required to make use of this benefit.

• Save on high street shopping at Argos, Asda, Boots, Toys R Us and more
• Save on food shopping with Asda, Sainsbury's and Morrisons
• Enjoy discounts on holidays, hotels and travel with Thomas Cook
• Make big savings at hundreds of cinemas and even discounts on concert and event tickets

You get all this and more from our My Signature Rewards website. Internet access is required to make use of this benefit.

Automated Funds Sweeping Service - maximise interest and reduce risk of going inadvertently overdrawn

With our sweeping service, you're in charge – just set an upper and lower limit for the amount of money you'd like to hold in your Signature Current Account.

When your balance goes above this amount, we'll automatically transfer the difference to your Signature Savings Account. And if your Signature Current Account drops below the level you've set, we'll automatically top it up from your savings account. We'll help you get the most from your savings.

Withdrawals can only be made by transfering funds to your linked Signature Current Account via the Internet or Telephone Banking.

Planned Borrowing – pay less compared to Current Account Plus

Apply for an overdraft on your Signature Current Account − when you borrow within your agreed limit, you'll pay a preferential planned borrowing rate of interest.

Savings Summary

Standard Current Account Benefits

Internet and telephone banking – bank when it suits you

No need to visit a branch to get the most from your Signature Current Account.

With 24 hour internet and telephone banking, you can pay bills, check your balance and lots more – where and when it suits you.

Spending made easy with your debit card

Pay for goods and services with your debit card – in the UK or abroad. You can also get cashback at some retailers, handy if you need cash. Remember there's a handling charge when you use your debit card overseas.

Green Flag UK breakdown cover is provided by Green Flag and underwritten by U K Insurance Limited. U K Insurance Limited is authorised and regulated by the Financial Services Authority.

Mobile phone and gadget insurance are provided by Lifestyle Services Group Limited (FRN315245) with a single provider, London General Insurance Company Limited (FRN 202689). Both companies are authorised and regulated by the Financial Services Authority.

ID Defender is provided by Lifestyle Services Group Limited. This product is not regulated by the Financial Services Authority.