Written on: 08/08/2013
Contacted them by phone about my iphone which had developed a fault 5 days out of Apple warranty. No problems quick and easy, new exchange iphone sent out next day! I believe Natwest changed provider to Aviva and Carphone warehouse earlier this year. (read more)
Written on: 19/03/2013 by SemiL (1 review written)
Called up to get a preferential travel money rate and they use travelex as their company. i checked the rate travelex offered - €350 euros was £305.81 this was gonna cost me £312.xx with my preferential rate. only costs travelex 1.95 to deliver to home so the preferential rate is still higher than whats available. this is a JOKE of a service. (read more)
Written on: 25/01/2013 by 123catdog (2 reviews written)
after losing my i phone and reading the reviews on here i honestly thought I was going to trouble with my claim but e-mailed in paperwork from phone company on Monday phoned Wednesday to see how long it would take and they sorted out the claim over the phone and received new phone in the post next day Thursday cannot fault them at all (read more)
Written on: 13/12/2012 by Jade89 (1 review written)
I lost my iPhone and was able to claim a new one through my advantage gold account!! Yes okay it's long winded but they have to make sure that the claim is eligible!! The scheme just aims to catch out people trying to get a phone for nothing which personally I agree with! If you have genuinely lost your phone and you have a spare old phone just to last you a couple of weeks, this insurance is well worth anyone's money!! Especially considering how much companies charge for this service!! You... (read more)
Written on: 12/12/2012
I needed to make a claim under the 12 month extended warranty that is offered for electrical items purchased with advantage gold debit or credit card. You do have to register the appliance under the T's & C's, which I had done. It wasn't a big claim, the handle off my fridge broke. However, I called the claims number and after a few minutes on the phone the claim was all dealt with. I was asked if I wanted an engineer to come out to fit the part for me or whether I wanted the part posted... (read more)
Written on: 27/06/2012
whilst on holiday in turkey me and my group of friends all become very ill through suspected food poisoning, we had to go to hospital and be put on drips etc. I rang Natwest travel insurance emergency number from the hospital, i paid my £50 excess and that was it, they settled everything else direct with the clinic (trust me it was a lot more then £50 i definitely got my moneys worth!!!). it was a huge relief considering i was already in a horrid situation they just made everything so easy. (read more)
Written on: 21/06/2012 by riccresc (2 reviews written)
My experience is absolutely in line with other reviewers. After ten years with NatWest and four with Gold Advantage two weeks ago I submitted a claim for a stolen I-Phone. I have been spending huge amount of time and endless calls to an expensive 0845 number with no results ... after two weeks still no decision on my claim. I realised that I cannot trust the insurance facilities included in the NatWest 'package' (I am glad I realised this with the Phone Insurance and not with something more... (read more)
Written on: 11/06/2012 by Mervynhancock (0 reviews written)
Got mobile phone insurance with the account and tried to claim on it after my Blackberry joined me in the river, following an accident, and wouldn't work even after I tried to dry it out. Spent 30 minutes on the phone to the insurer CPP who then told me that it would take up to five weeks to either get me a refurbished phone, replacement or cash equivalent. The Advantage Gold advert says: "Whatever would you do without your mobile phone?" - the answer is you are stuffed and cannot wait while... (read more)
Written on: 06/04/2012
I have been a victim of Aston Midshires fraud insurance and paid £1500 on my credit card - Natwest insist I have no right for my money back the Ombudsmand wrote to Natwest asking them to review and still they keeep sending me a letter every week telling me they are still collecting evidence - I have sent them all the evidence they need and so did the Ombudsman on the 1st Feb. The fraud squad in London recognises I am a victim of fraud but somehow Natwest don't. Every other victim not... (read more)
Written on: 25/01/2012
My mother had a heart attack in UK when my family were on holiday in Europe. I flew back that day to UK but she died before I got back. NatWest Travel Insurance advised my husband that curtailment would be the return to UK of the family. They have nitpicked every detail on the travel claim and will only pay for my flight not the families return to UK. Our holiday ended. They are dreadful, callous, awful, nasty people. DO NOT USE THEM. (read more)
Written on: 22/11/2011 by jackieb1230 (1 review written)
I am still waiting after 7 days for my complaint to be dealt with about my phone insurance, they were reading the wrong phone notes and my problems were totally different issue. Been promised phone call yest and promised today. I have made 10 costly calls to them to try and sort. Worst service ever (read more)
Written on: 26/08/2011 by ListingtoThis (1 review written)
Biggest waste of money ever I have been paying 3 years and never used the service. Only to cover my phone for insurance! I finally had a problem with my phone and made a claim only to get rejected! So it works out i payed over £900 for a service i never recived and when i did want to use it my claim got declined. Dont use this service its shocking and the homecare/cpp mobile phone insurance company are the worst i have ever delt with. When processing my claim the only contact was by... (read more)
Written on: 06/06/2011
My accident wasn’t actually the ‘right sort of accident’ which meant the ‘Accidental Cover’ did not apply to my phone claim. I have been a Natwest Customer for over a decade, have never made a claim, and have substantial investments through them in various products. I will be removing all my products within the next 3 months as a result of the insurance fiasco. Do not use the Advantage Gold, as quite simply there is not advantage. (read more)
Written on: 20/05/2011
Awful!!!!!! Same story as everyone else, phone got accidently damaged, 3rd party insurer said I did not take enough "reasonable precautions" and would not cover the claim. Absolutely furious as I didn't take out the Iphone4 insurance specifically due to being covered by my bank account. Now £400 out of pocket and severely annoyed at Natwest! (read more)
Written on: 18/05/2011
Absolute Joke. Lost my phone 3 weeks ago so phoned vodaphone and blacklisted it. Faxed and posted prrof of purchase and claim form along with prrof of black listing. Rang them up to see where my claim was and got told still waiting for proof of blacklisting to which i informed them it had been sent. The guy said they didnt have it so i phoned vodaphone and got them to email them direct. Phoned back and the guy looked and said yep i have it , we now have all we need and your claim can be... (read more)
Written on: 12/05/2011
Have been a loyal customer of NatWest for over 15 years and always gold account. Switched this year from O2 to the banks free phone insurance. BIG MISTAKE.
After being resisted since Jan 2011 we put a claim in during end of March. Wife dropped the phone. Only to be told 6 weeks later and loads of email and phone calls that when we joined we put the 0 and the 8 round the wrong way on the signing up form. Funny how the bank accepted all the details as correct.
So I allegedly entered the wrong... (read more)
Written on: 06/05/2011
i have been natwest gold advantage account holder for the last 8 years, about 6 weeks ago I have lost my blackberry phone, as per procudre I have reported to the police and inform my provider to block the phone. I have informed the natwest and my claim was accepted after 3 weeks, I was told the phone will be with me within 48,I stayed home for 2 days, the phone never arrived, when I have called the natwest they gave me the phone of the company that provides the service ( genusis). Genusis... (read more)
Written on: 21/04/2011
I can't believe you have to register every user for the mobile phone insurance,because my daughter used my phone and broke the glass it was declined has she was not registered to use it.
Does that mean we have to register every known burglar just incase someone breaks into our house and we have not registered them.
Sorry your claim has been declined because you did not register this person who robbed your house.
The fact that I have banked with Natwest for many many years and never made a... (read more)
Written on: 19/04/2011
None existant customer services, terms and conditions pretty much get them out of any insurance claim and the member loan rate is worth about £1. Rip off at £12 a month, I shall be cancelling mine. (read more)
Written on: 09/03/2011
I was very upset and panicked by these reviews, I lost my iPhone 4 on when out shopping, rang both the service provider and Natwest within 24hrs . Recieved a call on the 5th working day from the Claims Dept where I was old my claim had been accepted. They told me I would receive £510 to buy a new iPhone 4 within 5-7 working days. 5th working day I received my money.
If you have genuinely lost your phone and complied with their T&C's then you shouldnt have no problems. (read more)
Written on: 09/03/2011
I placed my mobile phone in my back pocket of my jeans, and when I came in, I put the jeans in the wash with the rest of my clothes. When going through a detailed explanation of my actions with Nat West, they then declined my claim. Why!! I thought this was covered under 'Accidental Damage'. They advised me that I am responsible for my own belongings and I was aware of the phone in my back pocket. Whereas if my husband put my jeans in the wash (obviously unaware of the phone in my pocket) I... (read more)
Written on: 28/02/2011
Ok. They are not the quickest. However, if you make a genuine claim and know the terms and conditions - i.e. when to report to police, when to blacklist, they are fine. I feel that these negative reviews may not be completely representative of everybodies experiences. (read more)
Written on: 31/01/2011
i insured my I PHone 3G with Nat West Advanatge Gold over a year ago. When I went to make a claim for reapir as I had dropped my phone they told me they may send me another phone with similar features rather than repair it. I told them if they couldnt repair it I wanted it returned they said they would not do this once i sent it it was their property to choose whether they kept my I Phone and send me another sort of mobile. They refused to replace it with another I Phone as my 3G was now... (read more)
Written on: 26/01/2011
Most of the reviews here are rubbish in relation to my experience. I lost my iPhone 4 on a night out in a taxi (most insurance companies don't cover commercial vehicles). I lost my phone on 23/12 so a bad time of year as there was a lot of bank holidays. Claims take 7-10 WORKING days to get clarified. After hearing nothing on the 10th working day I rung up and my claim was referred to the Claims Dept where it was accepted after checking a few details. They told me I would receive £510 to buy... (read more)
Written on: 26/01/2011
I dont understand u people! u must have known it wasn't going to be the quickest phone insurance as it's part of a package account, if really care about having phone insurance, why didnt you get insurance through a private company. When you consider the break down in cost i believe we pay 80p a month for the phone insurance, not bad at all. It sounds like a simple case of reading the T&Cs before taking out the policy, for you lot who were declined! (read more)
Written on: 24/01/2011
The mobile phone insurance is shocking. Phone was lost December 6th 2010. I's now 24th January 2011 and it's still not sorted. Please insure your handset elsewhere. (read more)
Written on: 23/01/2011
Pathetic Phone Insurance... Now been waiting for 2 months... (read more)
Written on: 14/01/2011
My iphone was lost/stolen been waiting 2 weeks so far a joke (read more)
Written on: 13/01/2011
Mobile Phone Insurance - Rubbish
My claim for mobile phone insurance has been going on for almost a month and is not getting any further.
I know all these thing can take time but that is not any excuse for the
poor standards in dealing with this claim
the lengthy time scales
the inadequate note taking of members of the team and
the incorrect information that has been passed on to me.
I am very dissatisfied with this and still without a phone.
I will be reporting this to the financial... (read more)
Written on: 05/01/2011
I upgraded my account to what should be called Disadvantage Gold based the constant sales patter everytime I called or visited the bank. On New Year I lost my iPhone, obviously my own fault but I thought well at least I'm insured. When I contacted the 3rd party insurance co, they told me they had no registered details. I had filled out the form in the bank and handed it to the teller. When I called Natwest a rather blase employee told me there was nothing she could do and advised me to go... (read more)
Written on: 16/12/2010 by crossg7mwh (1 review written)
my daughter used my mobile, fell off her bed onto the floor, as she went to pick it up she acidentily trod on it cracking the screen, it has taken four weeks for my claim to get through the system and has been refused, why i can hear you asking, acidents happen and this is an obvious acident, it has only cracked the protective plastic screen and will not cost a lot to repair, but alas i had not registered her as a user of my phone, yes you have read this right you are susposed to register... (read more)
Written on: 09/12/2010
Absolutely rubbish! Please AVOID!
Made a claim on 1st november for a stolen Iphone. Sent all documents required, reported to police, o2 etc. after 3 weeks i phone them and they say they require proof of blacklisting... ??? wtf? they didn't said nothing about it when i first called. ok, phoned o2, got a letter after 1 week, faxed it, phonned insurance after 1 week... nothing.. thay haven't noticed the fax. ok. after a few days i called them again and they say the letter is not good. so is... (read more)
Written on: 20/11/2010
I've just had my phone claim denied after 3 weeks of waiting because I didn't get it black listed within 24 hours of losing the iphone. Their paperwork and website say to get it black listed within 24 hours after discovering it missing which is exactly what I did!! Anyway, I now have to go through an appeals process and so in the meantime, will be removing all my accounts and credit card away from Natwest .... and I will be footing the bill for a new iphone! (read more)
Written on: 12/11/2010
The free insurance with their 3rd party insurance company is the worst customer service I have ever experienced in my life. Several weeks after making a claim and they now offer me 50% of the value of a like for like replacement. I have lost patience now and have reported the insurance company to the Financial Ombudsman.
Written on: 08/11/2010 by clarrie (1 review written)
I went on line to swtich bank accounts. After a few weeks, I phoned and asked what was going on as not heard. They advised me to go to my branch, which I did. Sat with the branch manager and filled out a switching form. He told me that I could use my exsisting account. After 6 weeks later still not heard anything about the switch, but was advised to change my creditors to the my exsiting account which I did. I had rang the branch about the swtich again but they had had no details of a switch... (read more)
Written on: 04/11/2010
Advantage Gold Mobile Phone Insurance
I've had a Natwest account for 6 years and this 'Advantage Gold' sc*m they are running, they kept offering me because of the benefits. Did sign on, and register my iPhone. My phone got severely damaged and I've placed a claim. And there we are, 4 weeks gone no result! They 'lost' my application form and proof of purchase first; which I only found out after calling them after a week! So I've sent another set of forms (recorded), they 'lost' those copies... (read more)
Written on: 24/10/2010
I had to use the travel insurance earlier this year, my son cracked his head open in the swimmng pool, the insurance was fantastic, we just had the genreal booklet with the details in, we called and gave our details, they took care of the rest with the hospital interpreters, my son needed plastic surgery on his head, to be fair the hospital were brilliant as well. Three months later and he just has a hairline scar, I some how think it was better to happen abroad rather than the uk!
At a very... (read more)
Written on: 04/10/2010
They promise to look after you, good insurance and so forth when in reality they outsorce the provision of insurance to another company who in its turn comissions the replacement of phones to regeneris (a company that regenerates damaged phones) what a combination!
Noone really helps or takes responsibility, I am seriously considering downgrading and finding insurance somewhere else. (read more)
Written on: 03/10/2010
I've been with Natwest for over ten years now, had several loans with them which i have paid off in full. My latest application for a loan was for some reason declined, however i was informed that if i took out the advantage option it would improve my chances and also the interest rate. It didn't, this was a way of ripping me off, tying me up into a years contract for f*** all. Then they told me i couldn't cancel within 2 weeks of signing up and that i had to pay half the years charges. ... (read more)
Written on: 23/09/2010
Mobile Phone Insurance = Rubbish
I lost my phone/phone was stolen and on callin the NWG Phone insurance center i was informed that the time for replacement would be over 10 working days. all of the interaction had to be conducted by post and they point blank refused to do anything by e-mail or even fax.
i rely on my phone (blackbery) for personal and business calls and e-mails. this time was far too long to wait for a replacement.
If you want your phone to be covered, i would recomend... (read more)
Written on: 07/09/2010
I have been a customer for a year, I phoned the bank to do some stuff to my accounts including cancel the gold as i could no longer afford it (im becoming a student). To my surprise i was then told if i got a 'gold credit card' that is inclusive with the account, not only do i get £20 cash back on the first £50 i spend each month, I can cancel the curent account part that you pay £13/pm for and KEEP THE BENEFITS FOR FREE (mobile phone insurance!!!!). The explanation was if you cancel the... (read more)
Written on: 25/08/2010
Absolutely awful. The worst insurance package I have ever encountered. I broke my phone but the insurance company (which isnt Natwest) wouldnt cover me cuz they said I was reckless - I dropped it on the pavement waiting for the bus! It was just an accident, I thought this what an insurance policy was for!why didnt they tell me this when i signed up? (read more)
Written on: 15/08/2010
I have paid for my Advantage Gold account now for 6 years with NatWest after switching from HSBC.
It was the best move I ever made!
For the past 3 years I have booked 2 holidays per year through the Advantage Gold Travel Service which is supported by Thomas Cook. This year fro example, I saved over £500 on one holiday alone with the special £100 off ontop of the usual 10% discount.
The discounted home insurance and mortgage rates through NatWest save me a further £200 per year...
Without... (read more)
Written on: 06/08/2010
I wish I could give a negative start rating for this account.
I have been a NatWest advantage gold customer for 11 years now. I have, as have most people, had the occasional problem with cash flow etc. As this was always my fault I never questioned the charges that the bank made, after all they are set out in the T&C's when you take out the account in the first place. I have however had to make a claim on the "free" mobile phone insurance recently. I made the initial claim at the end of... (read more)
Written on: 06/08/2010
We were caught in flooding in the South of France in June this year. We were told that we had lost everything and had to come home early by our Travel company. On our return we placed a claim for what we saw as reasonable costs and all of our personal possessions. We were paid out within a reasonable timeframe however it took some pushing to get this done in a timeframe we expected.
All in all a good service from them but a little bit slow. We were also lucky as our situation was not... (read more)
Written on: 30/07/2010
Had the misfortune to become ill ,1 week before our holiday. Phoned travel insurance provided by nat west, very helpful man, recieved claim form quickly, payment refunded within a few weeks,have no complaints, very efficiant and helpful. What more can I say. (read more)
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