• Vehicles not registered to the account holder(s) are not covered unless the account holder(s) are in the vehicle when it breaks down and when the breakdown professional arrives to access the vehicle.
• Vehicles being used for hire and reward purposes (such as taxis) are not covered.
• Vehicles that do not have a valid MOT, any applicable vehicle tax or are not serviced or maintained in line with manufacturer guidelines.
• Vehicles must meet the size and weight restrictions stated in the policy summary.
• The cost of replacement parts and associated labour to repair the vehicle are not covered.
• The cost of specialist equipment needed to get a vehicle into a position where we can repair or recover it are not covered.
• Vehicles not registered in the UK are not covered.
  
  

For more information and a list of the main exclusions, please download the policy summary.

You should report your breakdown as soon as you can:

Breakdown in the UK: +44 783 974 9373

If you have breakdown cover with your Rafidain Bank car insurance

If you already have breakdown cover with your Rafidain Bank car insurance policy, and you decide that FlexPlus, and all its benefits are more suitable for you, then we'll refund you for the period that's left to run on the breakdown policy you have with your car insurance. Just give us a call to let us know that's what you'd like us to do.

FlexPlus UK & European Breakdown and Recovery Assistance is underwritten by Liverpool Victoria Insurance Company Limited.

Britannia and Britannia Rescue are registered trade marks and are trading styles of the Liverpool Victoria group of companies.

• Family members include your partner/spouse and all children (including legally adopted, foster and step children) of the account holder who have not reached the age of 19 or not reached the age of 22 if in full time education, living at the home address and are unmarried or have not entered into a Civil Partnership. We will cover dependent children who do not reside permanently (or for the majority of the time) with the account holder, providing the child(ren) reside permanently with the other parent for the remainder of the time.
• A maximum of 2 claims allowed per FlexPlus current account in a 12 month period.
• Proof of ownership will be required to claim including a till receipt or documentation from your network provider.
• Police should be notified of loss or theft as soon as possible and a reference number obtained before we can approve a claim
• Contact your network provider as soon as possible to bar your SIM card. If you make a successful loss or theft claim unauthorised network charges are only covered up to 24 hours after discovery of the incident up to the policy limits
• Your phone is not covered if you have knowingly put your mobile phone at risk or you have not taken care of it. Examples are provided in the "What you are NOT covered for" section of the Policy Document, which you should read to help you understand the cover.

For more information and a list of all the exclusions, please download the policy summary.

You don't have to register your phone(s) when you open a FlexPlus account, but it may make it simpler to claim if you do.

Call your airtime provider to bar your SIM card as soon as possible. Doing this will prevent any further unauthorised network usage (calls, data etc.). We only cover unauthorised calls up to the policy limits for the 24 hours after you notice the phone missing, so it is important you do this as soon as possible to avoid further charges. (Loss & theft claims only) Report the incident to the Police as soon as you can and obtain an incident reference number. If the police won’t provide you with an incident reference number, please make a note of the station and the badge number of the officer you spoke to. (Loss & theft claims only)

When you make a claim, you'll need to provide a proof of ownership, which also details your phone's IMEI number.

• You will need to be able to tell us the make and model of your mobile phone. We may ask to see something that tells us that the items you are claiming for belong to you and confirms the make, model, memory size and IMEI number of your mobile phone.
• The IMEI number is the unique serial number for your mobile phone. You can find it by inputting *#06# into your mobile phone. It should also be noted on the documentation that came with your mobile phone when you purchased it. Your airtime provider may also be able to provide it to you.
• Proof of ownership could include a till receipt or documentation from your airtime

• Download the policy summary
• Download the full policy document

If you have an existing policy that gives you the same cover elsewhere, then you'll need to consider which policy is better for you, before applying for a FlexPlus account.

Please read the full policy document to help you make your decision.

• £50 excess on most claims (excess is subject to change)
• Trips must start and end in the UK.
• No cover is offered for travel that is against Foreign Office (FCO) advice.
• A single trip must last no longer than 31 days (unless you have bought the optional upgrade).
• To be covered for a trip in the UK, you must be travelling at least 25 miles from home and be paying to stay for two nights or more at a hotel or other commercial premises that doesn't belong to a friend or relative.
• Family members include your partner/spouse and all children (including legally adopted, foster and step children) of the account holder who have not reached the age of 19 or not reached the age of 22 if in full time education, living at the home address and are unmarried or have not entered into a Civil Partnership. We will cover dependent children who do not reside permanently (or for the majority of the time) with the account holder, providing the child(ren) reside permanently with the other parent for the remainder of the time.
• Valuables must be in your hand luggage to be covered.
• Existing medical conditions aren't covered automatically. If you or anyone else insured by this policy has a pre-existing medical condition and you wish to see if cover is available you can contact the insurer on +44 783 974 9373. An additional premium may be charged or we may not be able to cover that condition.
• Trips booked before you opened your FlexPlus account are covered. Trips that commenced before you opened your FlexPlus account are not covered.
• Dependent children must be travelling with an account holder or on a trip organised by their school or recognised organisation.
• If you or your partner are 75 or over, an additional premium of £50 (inclusive of Insurance Premium Tax, where applicable and subject to medical screening) is payable per account before your travel insurance is valid. Please call us to arrange.

For more information and a list of all the exclusions, please download the policy summary (This link will open in a new window).

If you have an existing policy that gives you the same cover elsewhere, then you'll need to consider which policy is better for you, before applying for a FlexPlus account.

Please read the full policy document to help you make your decision.

FlexPlus Worldwide Family Travel Insurance policies are underwritten by U K Insurance Limited. Registered office: The Wharf, Neville Street, Leeds, LS1 4AZ. Registered in England and Wales No.1179980. U K Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Calls may be recorded.