Insurance cover - Reward Black account

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Existing account holders
Insurance cover

Premier account benefits

Cover for you and your family at home or abroad

On this page:

Worldwide travel insurance Open in new window

Mobile phone insurance Open in new window

Car breakdown cover Open in new window

Home emergency service Open in new window

Your policy documents Open in new window

Changes to your Reward Black account benefits Open in new window

What's included?

Your Premier Reward Black account has a great range of insurance cover to protect you at home or abroad:

Worldwide travel insurance

Mobile phone insurance

UK & European car breakdown cover

24/7 home emergency service

Important changes to your Reward Black account benefits

We’re making changes to your travel insurance and some of the other benefits that come with your account.

From 1 February 2024, our travel insurance provider is changing from U K Insurance Limited to AWP Assistance Ltd (trading as Allianz Assistance).

To find out more about this and other changes, please review all supporting documents here.

Mobile phone insurance

Policy underwritten by American International Group UK Limited.

Learn more about your cover

What's included?

What's included in your cover?

You’re automatically covered but we recommend that you register your phone to make the claims process quicker.

Worldwide cover for your mobile phone against loss, theft, accidental damage or breakdown (once your manufacturer's or any other warranty has expired). Please note if you're outside the UK we won't repair or replace your phone until you return.

4 approved claims during any 12 month period.

Standard accessories that are lost, stolen or damaged at the same time as your phone, are covered up to £250.

What you need to know

Things to remember

Devices with a screen size more than 7 inches are not covered.

Covers the phone used on a daily basis by you, your partner and/or your children under 18 years old who live at home with you (under 23 years old if they are still in full time education and living at home with you outside term time). There is no cover for phones owned by your employer.

There is a £100 excess for each approved claim when your phone is replaced. There is a £50 excess for each approved claim when your phone is repaired.

Replacement phones are refurbished handsets in ‘as new’ condition using genuine manufacturer parts.

Repairs use genuine manufacturer or manufacturer quality parts.

What's not covered

No cover if you deliberately put the phone at risk or left it visable in an unattended vehicle.
No cover for information or apps stored on the phone.
No cover for any costs resulting from unauthorised use.

How to make a claim

Claims should be reported as soon as possible when theft, loss, damage or breakdown is discovered.

If your phone has been lost or stolen, you must report it your network provider as soon as is reasonably practicable after the event.

If your phone has been stolen, you must report it to the police and request a crime reference number.

We won't pay any claim where you do not provide the IMEI number or the IMEI number you provide is currently recorded as lost or stolen.

Call us on:

UK: 0345 266 8801
Relay UK: 18001 0345 266 8801

Lines are open: 8am-8pm Monday to Friday. 9am-6pm Saturday, 10am-5pm Sunday. Bank Holidays will be opened during the same hours noted, excluding Christmas Day and New Year's Day.

Protection for your most precious gadget

Many of us run our lives on our mobiles. Our mobile phone policy covers loss, theft, accidental damage and breakdown (once your manufacturer's or any other warranty has expired).

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Worldwide travel insurance

Love travel? Your Premier Reward Black account comes with worldwide travel insurance, covering you and your family for trips up to 90 days, including 31 days for winter sports. The policy also has £10 million medical expenses cover (underwritten by U K Insurance Limited).

See all travel benefits Open in new window

Car breakdown cover

Provided by Automobile Association Developments Limited (trading as AA Breakdown Services)

Learn more about your cover

What's included?

What's included in your cover?

All your vehicles are covered - Your policy covers any privately registered vehicle you travel in, anywhere in the UK and Europe. It also covers your vehicle if it is being driven by someone else with your permission.

Roadside Assistance - Anywhere in the UK and Europe.

At Home - Get help when your vehicle won't start at home.

National Recovery - If the AA can't get your vehicle going, they'll take you and your vehicle to a destination of your choice.

Onward Travel - If your vehicle can't be fixed at the roadside, the AA can help you complete your journey. This may be by arranging a replacement vehicle, booking you a night's accommodation or funding alternative transport costs (i.e. rail fares) where appropriate.

Accident Assist - A 24/7 accident claims service. The AA will handle your insurance claim - at no additional cost - no matter which company insures you.

Full details on car breakdown cover

Main exclusions

Main exclusions of your cover

Doesn't cover any repair costs once the insured vehicle has been transported to a garage or repairer.

Repeat call-outs for the same fault within 28 days won't be covered.

All vehicles must meet legal requirements - insured, taxed and with a valid MOT.

All vehicles must be within 3.5 tonnes, no wider than 2.55m, and in Europe no longer than 7m or higher than 3m. Motorbikes under 200cc are not covered in Europe.

Who should I call if I breakdown?

Contact details

In the event of a breakdown, please register and track this on the AA app or call:

UK: 0345 266 8801
Relay UK: 18001 0345 266 8801
Europe: +44 (0) 345 266 8801

Cover for your car at home and abroad

The AA provide our UK & European breakdown cover and includes getting you to a destination of your choice if they can't get your vehicle going again.

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24/7 Home emergency service

Cover underwritten by U K Insurance Limited

Learn more about this service

What's included?

What's included in your cover?

Covered up to £750 including VAT.

Cover applies for two homes – your main residence and any second you own in the UK (excluding properties you rent out).

The home must be owned by you and be your permanent, or secondary, private place of residence.

Your home must be in the United Kingdom or the Isle of Wight.

Main exclusions

Main exclusions of your cover

External water supply pipes.
Boilers over 10 years old, or with an output over 75kw.
Any emergency, if your home has been unoccupied for more than 60 consecutive days.
Detached garages and outbuildings.
Homes in Northern Ireland, the Channel Islands, the Scilly Isles and the Isle of Man.

Your Home Emergency cover is not a household buildings or contents insurance policy, or an equipment maintenance contract.

Who should I call in an emergency?

Contact details

If you suffer an Emergency at your Home please call us on:

Telephone: 0345 266 8801
Relay UK: 18001 0345 266 8801

Lines are open 24/7, 365 days a year. Calls may be recorded.

Emergency cover for your home, day or night

You're covered for two homes in the UK (excluding properties you rent out) up to £750 including VAT. We only use approved repairers to give you peace of mind.

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Your Premier Reward Black account documents

We do our best to ensure everyone reads the important documents about their account, please take some time to review, print and/or save a copy of these.

Account Insurance Product Information Document (PDF, 144 KB)
Account Travel Insurance Policy (PDF, 3 MB)
Premier Reward Black Account Benefit Terms (PDF, 514 KB)

Changes to your Travel Insurance terms

From 1 February 2024, your travel insurance provider is changing from U K Insurance to AWP Assistance UK Ltd (trading as Allianz Assistance). For further information about this and other changes to your policy, please review the documents below.

Reward Black Notice of Variation (PDF, 91 KB)
Reward Black Travel Insurance Product Information Document effective 1 February 2024 (PDF, 1 MB)
Reward Black Travel Insurance Terms effective 1 February 2024 (PDF, 5 MB)

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