Nationwide FlexPlus - Best value Bundled Current Account (Which Top Rated) - with family mobile/Iphone insurance, Full breakdown cover, worldwide family travel insurance & Free extended warranty for another year on purchased goods £10/month
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Nationwide FlexPlus - Best value Bundled Current Account (Which Top Rated) - with family mobile/Iphone insurance, Full breakdown cover, worldwide family travel insurance & Free extended warranty for another year on purchased goods £10/month

373
Found 13th Sep 2014
** NO REFERRAL OFFERS OR REQUESTS ALLOWED **

Look I've pre-ordered the new iPhone... Yes yes I know many of you will think I'm stupid!!! But hear me out. The Mrs Also has an iPhone. I wanted cheap insurance cover in case I lost or damaged the phone (or if it was stolen).

There are lots of insurance offers but they can be very expensive. Which best buy and also moneysupermarket top buy turns out to be Nationwide FlexPlus account.

Hear me out. I hate the idea of paying for a bank account, until I realised what this includes:

- Mobile phone cover for all household members (up to 4 phones - yes excess applies)

- Travel insurance- full worldwide cover

- Full breakdown service including homestart and relay (by Brittania - rated higher than RAC in Which testing for breakdown services)

- Free 1 year extended warranty on household items (without need for registering)

Look it's not for everyone, but I found even if you're taking the account out just for insurance it is worthwhile. I also pay for breakdown cover and for holiday travel insurance anyway, so for me a great deal.

Plus at the moment Quidco are doing an offer of £80 cashback if you join via them. Wow! If it tracks.

moneysavingexpert.com/ban…nts

Have a look here... Play around with what you currently pay for and see which is best (usually nationwide)

Plus there is No minimum term... Want to stop... just switch accounts to the free one)

Ps. All the android fanboi's - what do you think of the new iphone 6

Phones customer service today, Basically the price on Quidco is incorrect and they are aware of it. We all have to raise a incorrect cashback amount claim and the extra £45 will be honored and we will receive it separately once the retailer has paid out the first £35.

quidco.com/new…iry
- AStonedRaichu

Got this yesterday

Quidco support
17 Sep 14 at 12:05

You may have noticed the cashback tracked at £35 instead of the expected £80. Please do not worry because we are aware of this and it will be updated to £80 when it gets confirmed for payment. You will not need to take any action.

Quidco Support
- Thar

373 Comments

You said iphone...cold

With just phone cover costing a few pounds a month, or travel insurance costing ££ a year, I think these bundled accounts can be good value for some people. We just pay the monthly fee into the account.
The only downside is the amount of paperwork they send for phone and internet access, duplicated if it's a joint account.

I have this account with Nationwide and it's fantastic value. The customer service from Nationwide is brilliant, the mortgage deals you get by just being a current account customer are some of the best around (when I was looking 18 months ago) and they have little perks through Nationwide Simply Rewards (like 15% off in certain shops, 50% off in Table Table, etc). I've used both Mobile Insurance and Breakdown cover in the last 6 months. Mobile Insurance claim was dealt with quickly and breakdown cover is equal to service I've had from the AA as a member previously.

£120 a year to cover your mobile, breakdown, travel insurance plus extra year warranty is an absolute steal!

Good account, leave £2500 in and I get almost £6 interest so only really costs me £5 a month.

Thanks will take a look

Cheers will take a look

I'm in!!!

Original Poster

Here's a good link with detail of what is covered by the bank account and exclusions if anyone is interested:

nationwide.co.uk/NR/…pdf

Great banking facilities without having to risk your cash with a greedy plc. Had my account for the last year or so - I switched from FirstDirect who are the market leader for service, so I know what good service looks like. The £80 Quidco makes this deal a no-brainer even if it wasn't already. I've claimed on the mobile insurance & it was hassle-free & have registered products for the free extra year's warranty also (buy your laptop from John Lewis & turn their 2 year warranty into a 3 year). Simple mobile banking app too

Also echo the previous comments, I have this account and found it great value and nationwide customer service is great.

Quidco only if you switch accounts but still an interesting deal, voted hot.

Original Poster

No you don't need to switch accounts, there are 2 different offers on quidco

Ahh apologies, you are quite correct, the FlexPlus offer doesn't require a switch. Hmmm.

J.

Have this account with and just put in a claim for an iphone, £50 excess.
Not sure but only 2 claims allowed a year .

all these items are available cheaper or free elsewhere.

get a Halifax account and be paid £60 a year for having it. Then you have £180 to shop around to get better deals.

Free extended warranty available with certain credit cards

Nationwide Flexplus Accounts has been running for a long time now, so unable to vote hot as it's not really a deal but it's a decent heads up to those not in the know.
ps. tip:- If you keep a balance of £2500 in your Flexplus account it will only cost you around £5/month instead of £10.

Hardly a deal cold

Banned

IPhone 6, anyone buying now needs their head testing, over priced & hyped.

They are playing catch up to Android , line up the HTC one M8 specs V IPhone 6,the M8 is a better phone and half the price!!! That's even before they release a new model in next few months...... Not to mention the proprietary hell, Apple subject their customers too. Their OS 'revolutionary' features are just stuff Android users have enjoyed for last 18 months. Ape re-name it, re-package it, and sell it to brainless zombie Apple zealots who lap it all up.

Edited by: "giggsy13" 13th Sep 2014

I have one of these having closed my coop account with similar perks recently due to price hike.

Already used breakdown cover. Very good. Decent interest. In branch service was great too!!!!

I have this account and I love it. The online banking is great and simple to use. It's nice having the re-assurance that my phone is covered, I get an extra years warranty on a lot of household items and, should my car need it, I'm covered for breakdowns.
The cover they give is the full deal too - the breakdown has European cover, home start etc. I think I worked it out as around £120 just for that.
I got the account 5 months ago and since then I've got a credit card (15 month 0% purchases, 0.5% cashback), savings account (only 0.5%) and now in the process of taking out my first mortgage with them.
Had brilliant customer service so far. Would highly recommend them. Especially if you get the £80 cashback!

giggsy13

IPhone 6, anyone buying now needs their head testing, over priced & … IPhone 6, anyone buying now needs their head testing, over priced & hyped. They are playing catch up to Android , line up the HTC one M8 specs V IPhone 6,the M8 is a better phone and half the price!!! That's even before they release a new model in next few months...... Not to mention the proprietary hell, Apple subject their customers too. Their OS 'revolutionary' features are just stuff Android users have enjoyed for last 18 months. Ape re-name it, re-package it, and sell it to brainless zombie Apple zealots who lap it all up.

nobody has asked for your opinion regarding phones. The OP has posted this to point out all the advantages of the account. More waffle than Birdseye!

I have the normal flex account and Nationwide customer service is excellent as is their online banking.

Hi, is the travel insurance a family policy at all?

Ah, decided not to be a lazy beggar and to check myself - yes, family insurance.
Edited by: "scrumpypaul" 13th Sep 2014

Just got back from Greece and cash machine withdrawals were commission free (as claimed - and in fact as they were with the original flex account). Used Halifax Clarity previously but they charge interest immediately and though cheaper than exchanging cash it still amounted to quite a lot plus the interest seemed to drag on for a few months after our return. I believe this is only for cash machine withdrawals, not purchases, so draw and pay with cash. We had a rate of €1.257 which was better than anywhere else on the day.

The contactless card is useful for small purchases too and from next week can be used instead of Oyster pay as you go with daily and weekly capping on the tubes and buses.

I've been with Britannia Rescue for years direct they have been brilliant on the few occasions I have called them out, local agents very quickly out to you.

As another commenter has said I was surprised they don't highlight keeping a reasonable balance will bring in £6 a month in interest so it's peanuts to pay for all this even if you don't use it all.

beanpatel

No you don't need to switch accounts, there are 2 different offers on … No you don't need to switch accounts, there are 2 different offers on quidco



Does this mean you can join up and manually transfer £750 into the account per month and you'd get access to all of the nice features?

sorry to be thick, I've never once switched bank account
Edited by: "josh971" 13th Sep 2014

giggsy13

IPhone 6, anyone buying now needs their head testing, over priced & … IPhone 6, anyone buying now needs their head testing, over priced & hyped. They are playing catch up to Android , line up the HTC one M8 specs V IPhone 6,the M8 is a better phone and half the price!!! That's even before they release a new model in next few months...... Not to mention the proprietary hell, Apple subject their customers too. Their OS 'revolutionary' features are just stuff Android users have enjoyed for last 18 months. Ape re-name it, re-package it, and sell it to brainless zombie Apple zealots who lap it all up.



When Chromecast eventually launched display mirroring for some devices, did the apple fanboys come out and say 'we've had that since 2011'
When Apple launched fully integrated apps that run across os x and iOS, did Android fanboys come out and say 'we can do the same thing on our chromebooks(!!)?'
When every iOS owner (of recentish devices) managed to get the new OS on day 1, did samsung fanboys say 'we don't mind waiting 9 months so they can tinker with our bloatware?'
When an iPhone user and an Android user had their phones nicked, did the iPhone user laugh at the Android owner because they were able to get all their settings, messages and content back from their computer or cloud?
When the iPhone user downloaded an app that had been through proprietary hell, did he laugh at the Android user who downloaded an app full of malware that infected his phone and stole his data?
When google launched the play store, did apple fanboys cry out that they had an app store already and google were just playing catchup?

Don't be a slave to specs, because I can guarantee you a coach will have a bigger fuel tank than a ferrari. does that make it a better vehicle? What you fail to realise is android makers HAVE to ramp up their specs because their fanbase take solace in these petty things, and because the manufacturers don't know what the software makers plan for the future. When all of these things are taken care of by the same company, they can tweak the design so that it complies with future software plans without having to go overboard on any particular component. If you used an iPhone for an extended period of time, you'd realise that its supposed mediocre specs have never stopped it from performing brilliantly.

don't think that android is some perfect ecosystem that iPhone users are oblivious to. It has numerous faults and you are also blind to a large number of advantages of the iPhone. sounds like you're just an anti-apple isheep, following the crowd with your apple bashing without fully being aware of all the facts

Original Poster

joshtbh

Does this mean you can join up and manually transfer £750 into the … Does this mean you can join up and manually transfer £750 into the account per month and you'd get access to all of the nice features?sorry to be thick, I've never once switched bank account



There is no switch required (unless you want to). I don't understand why you would want to transfer regular amount of money as you don't have to.

The interest on that amount would probably cover the cost of the account!

monogram

Free extended warranty available with certain credit cards



Not on any free ones any more, sadly. Ulster Gold shut their doors to new warranty registrations tomorrow. Fuirthermore, the Ulster insurance is next to useless for many things - their insurance provider Domestic & General refuse to register many items which the Ulster T&Cs say should be OK, even going so far as to refuse to register things if they don't have the precise computer category available (eg they'll register a "DVD and hard drive recorder PVR" but refuse or silently deregister a simpler "hard drive recorder PVR"). I'm beginning to think that 50% of the existing warranty registrations I have would not be honoured in the event of a claim due to typos or categorisation errors they've introduced into each registration.

Shocking pair of companies.


Edited by: "gwapenut" 13th Sep 2014

DennisG

When Chromecast eventually launched display mirroring for some devices, … When Chromecast eventually launched display mirroring for some devices, did the apple fanboys come out and say 'we've had that since 2011'When Apple launched fully integrated apps that run across os x and iOS, did Android fanboys come out and say 'we can do the same thing on our chromebooks(!!)?'When every iOS owner (of recentish devices) managed to get the new OS on day 1, did samsung fanboys say 'we don't mind waiting 9 months so they can tinker with our bloatware?'When an iPhone user and an Android user had their phones nicked, did the iPhone user laugh at the Android owner because they were able to get all their settings, messages and content back from their computer or cloud?When the iPhone user downloaded an app that had been through proprietary hell, did he laugh at the Android user who downloaded an app full of malware that infected his phone and stole his data?When google launched the play store, did apple fanboys cry out that they had an app store already and google were just playing catchup?Don't be a slave to specs, because I can guarantee you a coach will have a bigger fuel tank than a ferrari. does that make it a better vehicle? What you fail to realise is android makers HAVE to ramp up their specs because their fanbase take solace in these petty things, and because the manufacturers don't know what the software makers plan for the future. When all of these things are taken care of by the same company, they can tweak the design so that it complies with future software plans without having to go overboard on any particular component. If you used an iPhone for an extended period of time, you'd realise that its supposed mediocre specs have never stopped it from performing brilliantly.don't think that android is some perfect ecosystem that iPhone users are oblivious to. It has numerous faults and you are also blind to a large number of advantages of the iPhone. sounds like you're just an anti-apple isheep, following the crowd with your apple bashing without fully being aware of all the facts



Why are you hijacking this thread? Take your immature bickering over a stupid phone elsewhere.

For £24 extra per annum you can upgrade the insurance and have zero excess and cover for up to 45 days not 31 as per standard policy

gwapenut

Not on any free ones any more, sadly. Ulster Gold shut their doors to new … Not on any free ones any more, sadly. Ulster Gold shut their doors to new warranty registrations tomorrow. Fuirthermore, the Ulster insurance is next to useless for many things - their insurance provider Domestic & General refuse to register many items which the Ulster T&Cs say should be OK, even going so far as to refuse to register things if they don't have the precise computer category available (eg they'll register a "DVD and hard drive recorder PVR" but refuse or silently deregister a simpler "hard drive recorder PVR"). I'm beginning to think that 50% of the existing warranty registrations I have would not be honoured in the event of a claim due to typos or categorisation errors they've introduced into each registration.Shocking pair of companies.



Interesting, I had an Ulster card for that exact reason. Were they the only one (apart from this deal) that offered extended warranty?

Original Poster

cossy3

Why are you hijacking this thread? Take your immature bickering over a … Why are you hijacking this thread? Take your immature bickering over a stupid phone elsewhere.



I love the Banter!
By the way HTC M8 looks good too
Anyway if you're an Iphone or Android fanboi - both are covered in the insurance policy (so no discrimination)

cossy3

Interesting, I had an Ulster card for that exact reason. Were they the … Interesting, I had an Ulster card for that exact reason. Were they the only one (apart from this deal) that offered extended warranty?



Nationwide Gold used to do it - now gone. Barclaycard High 5 - now gone.

The only ones I've seen are for fee paying products such as Capital One Aspite Elite, and an HSBC or Natwest "Advantage" account. But Natwest use D&G who don't insure tablets, phones, or complicated freeview recorders unless they happen to have the exact combination of extras bundled in that their crappy computer systems have been programmed for.

Happy to report that Nationwide use someone else, and the key thing is not to have to register products (like NW), because it's during registration that typos and incompetence creep in. It's also better when (like NW) they honour a 2+1 warranty (2 year manufacturer, 1 year extra) because 1+1 which many of the bundled warranties supported is next to useless as most of my products came with a 2 year warranty anyway.

That said, NW packaged account is too expensive for me to justify just for breakdown and warranty cover.

I wouldn't touch any extended warranty card which used D&G now. They exclude lots of items and 100% of the time (for me) "forget" to register me for a 3rd year of warranty (2+1) instead putting me down for the worthless 1+1 warranty until, each time, I have to intervene.


Edited by: "gwapenut" 13th Sep 2014

cossy3

Why are you hijacking this thread? Take your immature bickering over a … Why are you hijacking this thread? Take your immature bickering over a stupid phone elsewhere.



How is it immature? Lashing out by calling something stupid is far more immature. All I was doing was responding to one of the many anti-iphone comments that have plagued this site recently. Many people jumping on the anti-iphone bandwagon are suffering from a number of biases and it's getting ridiculous. OP did invite debate about the phone in his post if you read it back.

So is this free insurance for brand new £700 iphone 8 months if quidco tracks. Can you just close account after that?

Original Poster

jezzery

So is this free insurance for brand new £700 iphone 8 months if quidco … So is this free insurance for brand new £700 iphone 8 months if quidco tracks. Can you just close account after that?



The insurance is only as long as you have the account open (or paying for the flexplus). So if you only want insurance for 6 months, change to a free account and thats it, no minimum term. Yes an if you get the quidco - 8 months free for you and anyone else in the house.
Edited by: "beanpatel" 13th Sep 2014

I have a Nationwide flex account, can you have both accounts to make most of the £80 quidco

almo

nobody has asked for your opinion regarding phones. The OP has posted … nobody has asked for your opinion regarding phones. The OP has posted this to point out all the advantages of the account. More waffle than Birdseye!



Actually, the OP clearly asks for opinions on phones... Next time read it properly before throwing a hissy fit over what you deem acceptable to post...

I couldn't care less about their opinion, so I didn't read their post. If you find it so upsetting I suggest you do the same.

And with regards to the account, everyone saying that the interest offsets the account cost is deluding themselves. You can in fact get better rates elsewhere, so for most people you should actually increase the monthly cost you're paying to account for interest, not decrease it.
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