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David 38
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This post does not seem to fit any of the Forums so if a correct one is another will the Mods please move and my apologies in advance.

 

I've over the years when insurance or banking come up I've always advocated Nationwide BS/banking.

But over the last year they have seemed to be getting at me and I'm wondering if others are finding the same or just me and my senior age.

First they declined to renew the travel insurance for my wife for any health problems occurring on travel insurance when I added Dementia.

Recently they wrote and offered me an increase in my credit card limit by a £1000 when I said yes they withdrew the offer.  

I then found out you can no longer send Secure Messages through the On Line banking. You have to put why you are trying to contact them in an internet chat system, Arti responds think it's a Robot, eventually you get a human.

So complaint in as to why declined after they offered in first place, get phone call  apparently my account became Risky whilst letter on its way to me, they would not tell me what Risky means.

Further complaint put in, response awaited.  By the way they won't phone me on my landline as to be my mobile.

Now I hear on these forums they are to change breakdown provider from LV/Britannia to AA and others here do not think AA up to the job.

 

Have others noticed a change in Nationwide's customer service or it it me just become a grumpy old man :-)

 

 

Regards, David
Peugeot 308 GT Premium, 1.5 diesel 2021

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Very simple answer, change your bank. Loyalty means nothing to them so why put up with this treatment? Plenty of banks to choose from.  As for the AA I have no experience of them other than to point out Toyota use the AA for their breakdown providor. 

Edited by Flatcoat888
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Hi David, Are becoming a 'grumpy old man'? Yes...........er, no............well maybe as  I have no idea as to your grumpiness rating before theses issues!!

We have NW Flex Plus which was taken out in 2015 after I baulked at the near 100% increase for travel insurance and found that, as suggested by MSE, that the benefits were indeed very good.

 

Since taking out the account the prices has risen, the benefits have diminished and supplements have had to be paid however, a recent comparison after deciding to take a foreign holiday last October, a cruise was booked but changed due to potential issues, showed that, for us, they were still cost effective.

The supplements were due to age, and you only pay once per account not per person, and a hospitilisation for Covid.

A pity,  but also completely understandable.

As for the change to the AA, I suppose that until someone who has used the existing service has to use the new one in the same circumstances we can only guess.

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Yes change things I will Flatcoat888.

First thing I've done is to arrange a second CC, Martin Lewis site checker tells me possibly only CC provider for me will be Capital One so I've signed up for theirs.

ML thinks I've gone foul of the Credit Score Checker the providers use.  There is no valid reason for that I owe nobody anything.

Banks who for a monthly charge give travel insurance  do not for over 79 year olds.

As for breakdown I've used LV/Britannia several times with the previous car with these modern computer electronics that just stop you dead when out and I got first rate attention and recovery from them.  I'm insured with LV so they offer an extension for their own breakdown cover.  So I can knock down NW Flexi + to plain Flexi and save £156 a year.  Whilst I consider another bank for current account maybe if only secondary or the main one.

Regards, David
Peugeot 308 GT Premium, 1.5 diesel 2021

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Ah the Age thing.  All insurance is nothing more than a bet.  You are placing your money to a bookmaker masquerading as something else.  They are betting you won't become ill and you are betting you will.  But the Age thing really winds me up because I have recently passed a particular milestone I can no longer get the travel insurance we have had for years, can't hire a van (which I have been doing for years) for our archery club requirements etc.  As it happens I am very lucky.  No known health issues and regular check ups by our G.P.  Glasses No.  Hearing Aids No,  Claims on travel insurance Nil.  Driving license points Nil.  Accidents nil (since 1969 apart from a builders van that drove into the back of our rig when it was stationary at traffic lights 8 years ago).

 

None of which matters a dam.  So the van hire is now being done by a younger member who has serious health issues and is never seen without his glasses,  But he is below their magic age.  Ought to be illegal to discriminate on the grounds of age.  Oh! it is, but does not apply to insurance, because they volunteer to cover you.

Kia KX 3 auto / Bailey Alicanto Grande Estoril and Swift Challenger 570 (2010 model Not towed - used as a static)
 

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I agree with Flatcoat888. If you are not happy move, they are supposed to serve you although I doubt you will get cover for your wife if she has dementia. In most cases you will need a specialist insurer which can be found on Google.

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Friend of mine has used the Post Office travel insurance for years and swears by them.  They covered his 90-something MiL until she died from her pre-existing cancer.  However, I think most will find, as age progresses, that annual cover will become prohibitive and you will need to insure per trip.  I've a hunch 80 is the threshold with NW, so I've got a few years yet. 

 

BTW, I still haven't had a reply from NW regarding the cover for the caravan under the AA breakdown service.

Edited by MalH

Nissan X-Trail Tekna + Coachman Festival 450

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1 minute ago, Wildwood said:

I agree with Flatcoat888. If you are not happy move, they are supposed to serve you although I doubt you will get cover for your wife if she has dementia. In most cases you will need a specialist insurer which can be found on Google.

Yes both of us ruled out by age by others.

Yes Alzheimer's Charity and my Careers group have given me many insurers who will quote for cover for my wife. 

So there is a way to get to Europe should we decide to travel.

Regards, David
Peugeot 308 GT Premium, 1.5 diesel 2021

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I had travel insurance with HSBC until I got to 70. My wife is still covered so I will have to purchase it. I have worn glasses since I was 15 and just started using hearing aids. Other than that good health, non smoker don't  drink excessively and no pre existing medical issues. Hopefully insurance won't  be too bad.:angry:

Hyundai Santa Fe+Bailey Unicorn Cadiz

Mini Cooper convertible -fun Car!:)

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We've just arrived in Spain and 90 days insurance with Red Pennant, car and medical £270.

We have HSBC premier accounts which would insure us but to extend to 90 days would be North of £100 for the medical and then we'd need recovery.

Plus the HSBC medical panel is a ton of hassle.

So we went with the easy option...

 

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I am 82 an still have travel insurance with a N/Wide flex plus account.

I pay an age supplement and a supplement to cover existing medical conditions.

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We have a Nationwide account and use several of their services, They provide good products and service in our opinion.

Ern

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We've had NW flexplus for several years. It's a shame they've gone to the AA for breakdown (and there are some benefits which were available from Britannia that are not under the AA eg relief driver if taken ill abroad). However it's still good value.  As LV= (owners of Britannia) are no longer a mutual then I expect that their cover will also reduce to maintain profits....

 

At the end of the day you pays your money.....

Ian.
2013 Freelander 2 SD4 Auto / 2005 Bailey Pageant Vendée; 1952 Norton ES2

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23 hours ago, David 38 said:

Yes both of us ruled out by age by others.

Yes Alzheimer's Charity and my Careers group have given me many insurers who will quote for cover for my wife. 

So there is a way to get to Europe should we decide to travel.

Good to hear.

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