What happens if your baggage is delayed?

Your cover will work in the usual way, please double check the terms and conditions in your policy.

What happens if you have to pay for medical treatment while you’re away?

Your cover will work in the usual way. Your policy doesn’t require you to have a European Health Insurance Card (EHIC) so even if EHICs aren’t valid after Brexit, your policy and coverage will stay the same.

What happens if your trip is cancelled, cut short or you miss your departure?

Your travel insurance works on a ‘named perils’ basis. That means the insurance protects you against the problems or events specifically named in your policy.

Brexit isn’t one of these, so you won’t be covered if a Brexit-related event means you have to cancel or cut short your trip, or if you are delayed or miss your departure because of it. This includes if you are not able to get the passport or visa you need for your trip, so be sure to check yours is valid as soon as possible. You can head to www.gov.uk for lots of helpful information on this.

What happens if you experience any other problems?

If you (or any other person covered by this policy) are unable to complete your trip because of reasons out with your control and these reasons fall within the conditions of the policy, your cover will continue as normal.

Changed your mind?

You can cancel your policy within 30 days of opening your Signature Account.

Here to help

Every claim is handled on a case-by-case basis, according to your policy’s terms and conditions.

If you have any questions about travel insurance and Brexit, please contact AIG Travel on 0345 602 2369 or yorkshirebanktravel@aig.com.

Annual worldwide family travel insurance

Underwritten by American International Group UK Limited

Enjoy as many trips as you want, with up to 31 days’ cover for every trip. 17 days’ winter sports cover per year is included too.

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 (where you live together), along with up to four dependent children aged under 18 (either in full time education or living with you). 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 (minimum of 2 nights), you’re covered too
• Age and medical conditions – you’re covered until your 75th birthday. If you or anyone insured on this policy have pre-existing medical conditions, just call 0345 602 2369 and the insurer will confirm whether it is able to cover your condition.
• Golf and wedding insurance – 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 – Cuba, Iran, Syria, Sudan, North Korea or the Crimea region, or countries where the Foreign office has warned against all but essential travel

Green Flag UK breakdown cover

Provided by Green Flag and underwritten by UK Insurance Ltd

You won't 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
• Repair or recover. Green Flag will 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 (no matter how far it is) or your chosen destination (as long as it is within 10 miles of the incident)
• Telephone messages can be relayed to your friends, family and even work colleagues to advise of unforeseen travel delays
• Download the Green Flag app. The Green Flag app can make breakdowns a little less stressful. You can use to it get rescued – GPS helps the technician pinpoint your location and track your technician’s arrival.

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.

Upgrade cover

You can update cover to National or European Cover by simply paying an additional premium. If you require extra cover please call Green Flag on 0345 602 7453

Mobile phone insurance

Provided by Lifestyle Services Group and underwritten by Assurant General Insurance Limited

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

• Cover up to a value of £1,200 including VAT – includes iPhones, Blackberrys and Android phones and two claims can be made in any 12 month period. Excess of £50 or £100 payable on successful claims depending on circumstances of claim
• One phone per account holder
• Worldwide cover − against loss, theft, damage and breakdown (including faults)
• 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

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 by visiting www.ybonline.co.uk/mybenefits. Alternatively you can call 0345 602 2369

Gadget insurance

Provided by Lifestyle Services Group and underwritten by Assurant General Insurance Limited

Signature Current Account offers valuable cover for your and your family's gadgets. A gadget is a portable electronic device that contains its own power source whose main function is designed to support multimedia applications or obtaining multimedia content.

The following is a list of examples to assist in helping you understand this definition; Laptops, tablets, digital cameras, ereaders, smartwatches, video cameras, fitness trackers, satnavs & mp3 players. This list is not exhaustive, please refer to the Terms & conditions.

• Gadgets with a purchase price between £50 and £750 (inc. VAT) are covered.  Excess of £25 or £50 payable on successful claims depending on circumstances of claim.
• Worldwide cover − against loss (not tablets, iPads and laptops), theft, damage and breakdown (including faults)
• 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 gadget details or make a claim online or you can call 0345 602 2369 .

ID Defender

Provided by Lifestyle Services Group.

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

Worldwide family multi-trip travel insurance policy (excluding Cuba, Iran, Syria, Sudan, North Korea or the Crimea region, or countries where the Foreign office has warned against all but essential travel) is underwritten by American International Group UK Limited. You and all persons insured must have lived in the UK or Channel Islands for at least 6 of the last 12 months before opening the Signature Current Account for cover to be available and continue to hold this status to remain eligible. American International Group UK Limited (FCN No 781109) is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Green Flag UK breakdown cover is provided by Green Flag and underwritten by U K Insurance Limited, The Wharf, Neville Street, Leeds, LS1 4AZ. Company No. 1179980. U K Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Calls may be recorded.

Mobile phone and gadget insurance are provided by Lifestyle Services Group Limited (Register No. 315245) with a single provider, Assurant General Insurance Limited (Register No. 202689). Lifestyle Services Group Limited is authorised and regulated by the Financial Conduct Authority. Assurant General Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. ID Defender is provided by Lifestyle Services Group Limited (ID Defender is not regulated by the Financial Conduct Authority).

You can cancel your agreement with us within 14 days of opening your account by contacting us in branch, by phone or in writing. Please check terms and conditions for more information.

Your eligible deposits with Yorkshire Bank plc are protected by the Financial Services Compensation Scheme, the UK’s deposit guarantee scheme. This limit is applied to the total of any deposits you have with the following: Clydesdale Bank, Yorkshire Bank, B and Virgin Money.

Any deposits you hold above the limit between these brands are unlikely to be covered. Please ask for further information or visit www.fscs.org.uk

• Policy document (PDF, opens in a new window)
• Terms & conditions (PDF, opens in a new window)
• Insurance product information document (PDF, opens in a new window)

No, you will continue to be a Signature Current Account customer and use your account in exactly the same way. If we decide to make any changes to your account, we'll always get in touch to give you two months’ notice.

Yes, you can. Our linked Signature Savings Account is designed for Signature Current Account holders to manage your savings online.

Withdrawals can only be made by transferring funds to your linked Signature Current Account via internet, mobile or telephone banking.

Automated Funds Sweeping Service - reduce the risk of inadvertently going into an unarranged overdraft

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. Funds sweeping happens overnight.