Halifax Ultimate Reward: what insurance is included?
Last checked against Halifax's policy documents on 27 October 2026
The short answer
The Halifax Ultimate Reward Current Account costs £19 a month and comes with four insurance benefits: worldwide family travel insurance from Allianz Assistance, mobile phone insurance from Assurant (arranged by Lifestyle Services Group), AA Breakdown Family Cover, and home emergency cover underwritten by Inter Partner Assistance.
Travel cover is for trips of up to 31 days, including certain winter sports (up to 31 days a year) and golf trips, with emergency medical cover up to £10 million and cancellation cover up to £5,000. It covers you, your partner and children aged 18 or under (24 or under in full-time education). Cover ends on the account holder's 71st birthday. The phone cover is for one phone per account holder (two on a joint account), up to £2,000 per claim with a £100 excess.
Some terms change from 1 December 2026: ski touring will need a locally licensed guide, winter sports cover adds physiotherapy, and phones that cost more than £2,000 won't be covered. The AA breakdown cover isn't changing. The Halifax brand is also moving to Lloyds.
What Ultimate Reward covers
| Cover | Who is covered | Key limits |
|---|---|---|
| Travel (Allianz Assistance, underwritten by AWP P&C SA) | Account holder under 71. Spouse, civil partner or partner until they reach 71 (while the account holder is under 71). Children 18 or under, or 24 or under in full-time education, travelling with you or another responsible adult. | Worldwide, trips up to 31 consecutive days, starting and ending in the UK (longer with a paid trip extension). UK trips need at least 2 nights' pre-booked accommodation. Emergency medical up to £10 million. Cancellation or cutting short up to £5,000. Belongings up to £2,500 (valuables £500, single item £500). Money up to £750 (cash £300, £50 for under-16s). £75 excess per adult per incident. |
| Winter sports and golf (Allianz Assistance) | As for travel. | Certain winter sports included, up to 31 days per calendar year. Own equipment up to £500, hired up to £400 (£300 for any one item, £75 excess). Replacement hire up to £300 (£30 a day). Ski or lift pass up to £350. Piste closure up to £300 (£30 a day). Certain golf trips included. |
| Mobile phone (Assurant, arranged by Lifestyle Services Group) | One phone per account holder, up to two phones on a joint account. | Loss, theft, accidental damage and breakdown. Repair or replacement up to £2,000 (including VAT) per claim, and replacements may be refurbished. £100 excess per successful claim. Maximum 2 successful claims per account holder in any 12 months. |
| Breakdown (AA Family Cover) | Account holder and eligible family members. The cover follows the person, not the vehicle. | UK, Channel Islands and Isle of Man. Roadside Assistance and At Home included. National Recovery not included. AA Accident Assist for account holders only, in England, Wales and mainland Scotland (not motorbikes or mopeds). |
| Home emergency (underwritten by Inter Partner Assistance) | Your home. | Up to £250 (including VAT) per claim for sudden emergencies needing immediate action. Alternative accommodation up to £100. Not covered if the home has been empty for more than 60 days. |
Where people get caught out
- Turning 71. Travel cover stops completely on the account holder's 71st birthday, and a partner's cover stops at 71 too. If you are close to 71, plan for separate cover before your next trip.
- Pre-existing medical conditions aren't covered unless you tell the insurer and it agrees. An extra premium may apply. Halifax says its online medical screening link is unavailable, so you need to call Membership Services.
- Trips longer than 31 consecutive days are not covered unless you buy a trip extension upgrade (45, 62, 93, 186 or 279 days).
- Off-piste skiing. It is only covered within resort boundaries, following local ski patrol guidelines, and winter sports claims linked to off-piste skiing are turned down unless you are with a qualified ski instructor. Heli-skiing, ski jumping and ski acrobatics are not covered.
- Register your phone. It isn't covered until you register it, through Online Banking (View account benefits) or by calling Membership Services. Have the make, model, network and IMEI (dial *#06#) ready.
- Lost or stolen phones. Tell the police and your network as soon as possible. Halifax warns that not doing so could mean your claim is declined.
- Home emergencies. Cover is capped at £250, and you must contact the insurer before calling your own tradesperson. Tenants need their landlord's agreement first. A broken freezer, for example, is not covered.
- Travel advice. There is no cover if you travel against FCDO (or equivalent) advice, or if you cannot or choose not to travel because of pandemic-related advice.
- Changes from 1 December 2026. Ski touring will need a locally licensed guide. Phones that cost more than £2,000 won't be covered, and phone accessories must be claimed together with the phone. Allianz Assistance becomes Allianz. Read the Guide to changes for the full list.
Could you be paying twice?
If you have Ultimate Reward, check whether you also pay for any of these.
- A separate annual travel policy, or travel cover that comes with another bank account or credit card.
- Standalone phone or gadget insurance, or phone cover sold by your network or home insurer, for the phone you have registered.
- Separate personal breakdown cover. If you need National Recovery or European cover, check what you hold, as the AA cover here is roadside and at home only.
- Home emergency cover bought as an add-on to your home insurance or from an energy supplier.
Compare limits and excesses before cancelling anything: this account pays up to £250 per home emergency claim, and a separate policy may give you more cover than Ultimate Reward does.
Related guides
Common questions
- Does Halifax Ultimate Reward travel insurance cover winter sports?
- Yes. Certain winter sports are covered for up to 31 days in a calendar year, with own equipment up to £500, hired equipment up to £400 and piste closure up to £300. From 1 December 2026, physiotherapy after a winter sports injury is covered up to £600 (up to 6 sessions).
- Can I extend Halifax Ultimate Reward travel insurance for a longer trip?
- Yes. You can buy a trip extension upgrade to cover trips of 45, 62, 93, 186 or 279 consecutive days. Without it, trips longer than 31 days are not covered.
- What is the age limit on Halifax Ultimate Reward travel insurance?
- Cover ends on the account holder's 71st birthday. A partner is covered until they reach 71, as long as the account holder is still under 71.
- How much is the excess on Halifax Ultimate Reward phone insurance?
- £100 for each successful claim, with a maximum of 2 successful claims per account holder in any 12 months.
- Does Halifax Ultimate Reward cover pre-existing medical conditions?
- Only if you declare them and Allianz Assistance agrees to cover them. You may have to pay an extra premium. Call Membership Services to check.
- Is Halifax Ultimate Reward breakdown cover for my car or for me?
- For you. AA Breakdown Family Cover covers the account holder and eligible family members in any vehicle they are driving or travelling in, in the UK, Channel Islands and Isle of Man. National Recovery is not included.
- Is Halifax Ultimate Reward insurance changing?
- Some terms change from 1 December 2026. Allianz Assistance becomes Allianz, ski touring needs a locally licensed guide, physiotherapy after a winter sports injury is added (up to £600), new reasons for cancelling are added, and phones that cost more than £2,000 aren't covered. The AA breakdown cover isn't changing. The Halifax brand is also changing to Lloyds.