Signature Current Account

Annual worldwide family travel insurance

Underwritten by AIG Europe 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

AIG Europe Limited (AEL) is undertaking a restructure as part of its plans for the UK leaving the European Union and intends to transfer its UK insurance business to American International Group UK Limited (AIG UK) which is expected to take effect on 1 December 2018. AIG UK is a member of the same group of companies as AEL. As a result of the restructure, your policy will transfer to AIG UK but this will have no effect on the cover provided under the policy.

Please visit www.aig.com/Brexit to view information relating to the proposed transfer and the rights you have.

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Green Flag UK breakdown cover

Provided by Green Flag and underwritten by UK Insurance Ltd

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
• 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

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

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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 Google 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 your gadget details or make a claim online or you can call 0345 602 2369.

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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.

Save every day when you shop at certain major stores and supermarkets. Enjoy discounts on holidays, tickets and events, plus lots more.

• Save at certain high street shops
• Save on food shopping with Asda, Sainsbury's and Morrisons
• Enjoy travel discounts and savings on flights, holidays, cottage stays, theatre breaks and car rentals
• Access to discounts on some 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.

A linked Signature Savings Account

Specially designed for Signature Current Account holders, you can manage your savings online.

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

Savings summary

Automated Funds Sweeping Service - reduce the risk of going overdrawn inadvertently

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.

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Standard current account benefits

Mobile, 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, mobile and telephone banking, you can pay bills, check your balance and lots more – where and when it suits you. These services may be temporarily unavailable during periods of routine maintenance.

Spending made easy with your debit card

Pay for goods and services with your debit card – in the UK or abroad (additional fees and charges may apply). 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. It's useful to let us know when you're going to be using your card abroad to highlight any change in spending activity.