Accessing your packaged bank account benefits

What is AA Breakdown Family cover? 

With AA Breakdown Family Cover, there’s cover for account holders and certain family members in vehicles, whether you or they are the driver or the passenger. Family members must live at the account holder’s home address or be temporarily living away from that address, but still within the UK (e.g. students).

Eligible family members will include your:

• Partner¹
• Parents²
• Siblings³
• Grandparents 
• Children⁴
• Other family members⁵

¹ including spouse, civil partner, fiancé/fiancée

² including stepparents, foster parents, father in-law, mother in-law

³ including brothers, sisters, brother in-law, sister in-law, step-sisters, step-brothers

⁴ including stepchildren, foster children, grandchildren, son in-law, daughter in-law

⁵ including aunts, uncles, nieces, nephews and first cousins

What is included in AA Breakdown Family cover?

There are different services offered with AA Breakdown Family Cover, available in the UK, Channel Islands and Isle of Man. The table shows what’s included with different account types, and a summary of each follows:

Roadside Assistance - 24/7 cover for breakdowns over a quarter of a mile from home. If the vehicle can't be fixed at the roadside, the AA will take the vehicle to their choice of relevant local repairer or to another local destination of choice provided it is no further.

At Home - Provides all the Roadside Assistance benefits, even if the account holder or their eligible family members is still on their driveway or within a quarter of a mile from home.

National Recovery - If the breakdown is miles from home and it can't be fixed at the roadside, the AA will take the vehicle and up to seven passengers to a single UK destination of choice.

Onward travel - If a repair on the vehicle isn’t possible, you or your eligible family members will get either a replacement hire car for up to 72 hours (full valid UK driving licence to be presented), or overnight accommodation, or you could claim reimbursement of reasonable onward public transport expenses.

Some exclusions and rights to refuse service

The same or similar cause of breakdown attended by our mechanic in the last 28 days.

The account holder, any joint account holder or eligible family member must be with the vehicle when it breaks down and when the mechanic arrives.

The AA have the right to refuse to provide service if the vehicle is unsafe, un-roadworthy, unlawful or you’ve failed to maintain it (for example, no valid MOT, or continued failure to re-fuel or charge your vehicle).

There's no cover when travelling in a car, van, minibus or motorcycle exceeding the weight restriction of 3.5 tonnes and max width restriction of 8ft 3in (2.55m). There is also no cover for vehicles used for commercial purposes (ie to carry people or good for money). 

How to report a breakdown?

If you need to report a breakdown, please call us.

Eligible family members will need to provide the account holder’s full name, address and postcode before the service can be provided. Family members will also need to show a form of identification when the AA patrol arrives.

Account holder(s) will continue to be asked for their membership number. This is their sort code and account number. They will need to show their Visa debit card when the AA patrol arrives.

Mobile Phone Insurance

Mobile Phone Insurance, administered by Lifestyle Services Group Limited and underwritten by Assurant General Insurance Limited, is just one of the insurance benefits that come with a packaged bank account with us.

Mobile Phone Insurance is provided for Select, Silver, Gold, Platinum, or Premier customers. It's recommended that you register your phone details as it may help simplify the process for any claims you might have to make in the future.

If you’re a Classic or Club Lloyds current account holder you can apply to upgrade online to one of our packaged bank accounts to receive Mobile Phone Insurance

Levels of coverage for each account

• Loss (repair or replace phone up to £2,000 including VAT)
• Theft (repair or replace phone up to £2,000 including VAT)
• Damage (repair or replace phone up to £2,000 including VAT)
• Liquid/water damage (repair or replace phone up to £2,000 including VAT)
• Unauthorised network charges (per successful lost/theft claim) for contract (up to £1,500 including VAT) for up to 24 hours after discovery of the loss or theft
• Unauthorised network charges (per successful claim) for prepay for up to 24 hours after discovery of the loss or theft (up to £450)
• Accessory cover (per successful claim) (up to £250)
• Excess per claim (£100)

Important note

• The level of coverage you receive is based on which packaged bank account you hold with us
• Cover differs whether you're a Select, Silver, Gold, Platinum or Premier account holder
• The Select, Gold and Premier accounts are unavailable to new customers
• The number of phones covered per sole account is one, unless you are an existing Premier account holder where it is two
• The number of phones covered per joint account is two, unless you are an existing Premier account holder where it is three
• If you make a valid claim for a replacement handset, you will receive a refurbished device which has been through a comprehensive checking process to ensure it’s in full working order

Home Emergency Cover is only available for our Premier Account customers.

Home Emergency Cover protects you against the costs and inconvenience of unexpected home emergencies. This includes cover for the big things like your primary heating system has failed, as well as smaller (but no less important) things like broken external windows. The provider will arrange for approved trades people to come to you and deal with your home emergencies.

Go online or call us to register a claim

You can make a claim online using our mobile banking app or online banking. Simply log in and select the Account benefits link in your account tile.

If you don’t bank online, you can also call us.

Things you need to know

• Home Emergency Cover is only effective in an emergency, as defined by your policy.
• Domestic appliances are not covered.
• Cover will be provided if the property meets the following criteria - appears as your account address, is based in the UK and is owned and occupied as a private residence by you or your family.
• Any second or holiday home must be in the UK, owned and occupied by you or your family and be lived in at the time of an emergency.
• Emergencies outside your home are not covered.
• If your home is unoccupied for more than 60 consecutive days, cover does not apply.
• Call outs, parts, material and labour all covered up to £1000 (including VAT) per emergency.
• If the boiler is beyond economic repair, cover for your primary heating system will cease until your boiler is replaced. We may contribute a maximum of £250 towards the costs of you replacing it with a new boiler.

What’s covered?

Things that are typically covered (classed as an emergency):

• Blockages or damage to drains and waste pipes that cause water leaks or blockages inside the home.
• Your electrics tripping in your home so you’re continually resetting the fuse board to maintain the electrical supply.
• A sudden and uncontainable leak from an internal water pipe.
• A toilet that isn’t flushing or is blocked and there are no other accessible toilets in your home.
• Boiler repairs where you have no heat and/or hot water.
• Cracked or smashed window(s) making your home unsecure.

Things that aren’t typically covered

Normal day to day maintenance.

• If you, or someone else, has tried to make a repair, but has only made matters worse, you won’t be covered for any extra costs you may face. Our advice is always to call the experts first.
• Dripping taps, showers or leaks from pipes that are easily containable.
• Dealing with temporarily frozen pipes.
• Any ‘shared water’, ‘shared external drainage facilities’ or ‘shared roofs’ i.e. those not only serving your home.
• Replacement of any radiator, sanitary ware including sinks, basins and shower trays (bath, shower).
• Underfloor heating and its associated controls.
• A blocked toilet if it is not the only toilet in the home.
• A front door won’t unlock but it’s secure and you can get in to your home through another door.

Travel Insurance

Travel Insurance, administered by AWP Assistance UK Ltd (trading as Allianz Assistance) and underwritten by AWP P&C SA, is just one of the insurance benefits that come with our packaged bank accounts. Our Silver and Platinum Accounts are packed with benefits including Family travel insurance, AA Breakdown Family Cover and mobile phone insurance for a monthly fee to maintain the account.

Travel Insurance is also a benefit on the Premier, and Gold accounts however these are no longer available to new customers.

Eligibility for each account

I have a Silver Account

If you have a Silver Account the account comes with European Travel Insurance for you and your family (if eligible) including Winter Sports. This insurance policy is administered by AWP Assistance UK Ltd (trading as Allianz Assistance) and underwritten by AWP P&C SA.

Am I eligible for cover?

Medical conditions that you or your family have (or have had), which are not all on the ‘No Screen Conditions’ list in your policy document are not covered by this policy. To see if these can be covered you must call the insurer declaring all medical conditions, including those on the list and an extra cost may apply. Before you book a trip you also need to let the insurer know of any new conditions or changes to existing ones. Please refer to the Silver welcome pack (PDF, 1.7MB) for full details of any exclusions.

You can log your claim online using the Allianz Assistance Hub that can be securely accessed through our mobile banking app or online banking. If you don’t bank online, you can also call us.

• All cover under the policy stops on the account holders 65th birthday - as long as the account holder is under 65, their spouse, civil partner or partner will be covered until they reach 65 years old.
• Children must be 18 or under, or 24 or under if they're in full time education and must travel with the account holder, their spouse, partner, civil partner or a responsible adult. There's cover for a dependent child where they are staying with a responsible adult even if they were not accompanied during their travel to the destination.
• Subject to continued eligibility, you and your family are covered for travel within Europe as long as your Silver account is open.
• Keep in mind the cover is provided only if you will be living in the United Kingdom for at least six months during each 12 month period where all trips must start and end.

I have a Gold, Platinum or Premier Account

If you have a Gold, Platinum or Premier Account,  the account comes with Worldwide Travel Insurance for you and your family (if eligible) including Winter Sports. This insurance policy is administered by AWP Assistance UK Ltd (trading as Allianz Assistance) and underwritten by AWP P&C SA.

Am I eligible for cover?

Medical conditions that you or your family have (or have had), which are not all on the ‘No Screen Conditions’ list in your policy document are not covered by this policy. To see if these can be covered you must call the insurer declaring all medical conditions, including those on the list and an extra cost may apply. Before you book a trip you also need to let the insurer know of any new conditions or changes to existing ones. Please refer to the relevant policy document for full details of any exclusions.

Once your account has been opened, should you wish to notify the insurer of any medical condition please call us.

• All cover under the policy stops on the account holders 80th birthday - as long as the account holder is under 80, their spouse, civil partner or partner will be covered until they reach 80 years old.
• Children must be 18 or under, or 24 or under if they're in full time education and must travel with the account holder, their spouse, partner, civil partner or a responsible adult. There's cover for a dependent child where they are staying with a responsible adult even if they were not accompanied during their travel to the destination.
• Subject to continued eligibility, you and your family are covered for worldwide travel as long as your Lloyds Bank Gold, Platinum or Premier account is open.
• Keep in mind there is only cover for losses suffered whilst you are a UK, Channel Islands or Isle of Man resident and are registered with a doctor in the UK where all trips must start and end.

What does my insurance come with?

Silver Account

• Multi-trip European travel cover for you and your family (includes, if eligible, your spouse, civil partner or partner and children).
• Includes golf cover and cover for certain sports and leisure activities.
• Covers UK leisure travel when two or more nights' accommodation is pre-booked (five nights for business trips).
• There's cover for you or someone covered under the policy if a booked trip needs to be cancelled because either you or they, or a companion you are travelling with is asked to quarantine on an individual basis because of exposure to a contagious disease
  • Comprehensive cover including:
  • Emergency medical cover (up to £10,000,000)
  • Cancellation or curtailment cover (up to £5,000)
  • Personal accident cover (up to £30,000)
  • Baggage cover (up to £2,500, £500 of which for valuables)
  • Travel disruption cover (up to £5,000)

Important note:

• The standard maximum trip duration is 31 consecutive days
• For Winter Sports maximum 31 days cover in any calendar year
• £75 excess per adult per incident may apply
• Other exclusions apply, see policy documents
• Gold, Platinum and Premier Accounts
• Multi-trip Worldwide travel cover for you and your family (includes, if eligible, your spouse, civil partner or partner and children)
• Includes golf cover and cover for certain sports and leisure activities
• Covers UK leisure travel when two or more nights' accommodation is pre-booked (five nights for business trips)
• There's cover for you or someone covered under the policy if a booked trip needs to be cancelled because either you or they, or a companion you are travelling with is asked to quarantine on an individual basis because of exposure to a contagious disease

Gold, Platinum and Premier Accounts

• Multi-trip Worldwide travel cover for you and your family (includes, if eligible, your spouse, civil partner or partner and children)
• Includes golf cover and cover for certain sports and leisure activities
• Covers UK leisure travel when two or more nights' accommodation is pre-booked (five nights for business trips)
• There's cover for you or someone covered under the policy if a booked trip needs to be cancelled because either you or they, or a companion you are travelling with is asked to quarantine on an individual basis because of exposure to a contagious disease
• Comprehensive cover including:
• Emergency medical cover (up to £10,000,000)
  • Cancellation or curtailment cover (up to £5,000)
  • Personal accident cover (up to £30,000)
  • Baggage cover (up to £2,500, £500 of which for valuables)
  • Travel disruption cover (up to £5,000)

Important note:

• The standard maximum trip duration is 31 consecutive days - unless you are a Premier account holder, which is 62 consecutive days
• For Winter Sports maximum 31 days cover in any calendar year
• £75 excess per adult per incident may apply
• Gold and Premier accounts unavailable to new customers
• Other exclusions apply, see policy documents

If you trade in your device with Assurant, they’ll recycle what they can and pay cash into your current account.

Use this simple, hassle-free service with our trusted partner at no cost to you.

Assurant has been our trusted mobile phone insurance provider for our packaged bank account range for over 10 years.

It's a simple stress-free way to trade in old devices.

• Answer a few quick questions and if your device is eligible, you'll get an instant valuation. 
• With Assurant's pre-paid label, you won’t pay the cost of postage.  
• Once Assurant have your device,  if everything is in line with their valuation, you'll receive payment in 3 to 5 working days. 

What devices can you trade in?

Devices that you can trade in include:

• mobile phones
• tablets.

Benefits of trading in your old device

• Cash payment
• Payment is made by bank transfer after the eligible device is received and you confirm you want to go ahead. You'll get a valuation no matter what condition your eligible device is in.
• No cost to you.
• You don't need to keep old handsets around the house and can trade them in for cash at no cost to you – Assurant will pay postage costs. 
• Environmental benefits.
• Instead of keeping hold of your old device, Assurant will recycle what they can.

Eligibility

• This service is available to all Lloyds Bank customers, who are UK residents.
• Assurant will only provide this service in relation to certain devices. Factors include your device, make, model and age of device.
• You must own the device outright. You may be asked to provide evidence of ownership.
• Visit Assurant's website to trade in your eligible device.
• If you trade in a device, Assurant will securely share your Lloyds Bank account number and sort code with us after you've traded in your device so we can see which of our customers have used this service.

Find out more at Assurant