Switch in your account to ufirst Private

• Cover automatically begins when you open your ufirst Private Current Account.
• Cover includes you, your partner and children 18 and under (or under 23 and in full-time education).
• You have to live in the UK, Channel Islands or Isle of Man and be registered with a doctor there.
• A policy excess of £75 applies to most claims for each insured person, for each section, for each claim incident.
• If anyone covered by the policy is aged 70 or over, you must contact us each year to obtain cover. You will need to pay an annual premium of £100 per person insured aged 70 or over.
• You can check online if this travel insurance covers new or existing medical conditions here. An extra fee may apply, or some conditions might not be covered.
• You can also discuss this over the phone by calling 0345 607 2538 (Relay UK: 18001 0345 607 2538).

If our insurers Allianz are unable to offer you an upgrade to extend the level of cover you need, or your upgrade insurance premium is higher than you expected because you have medical conditions, help could still be available.

You may be able to obtain alternative travel insurance cover for pre-existing medical conditions by contacting one of the providers featured in the MoneyHelper Directory of specialist travel insurance providers for people with serious medical conditions. Do take time to study and compare the terms and conditions to ensure you have the cover you need.

Telephone: 0800 138 7777 | Relay UK: 18001 0800 138 7777

Monday to Friday, 8am to 6pm | Saturday, Sunday and Bank Holidays, closed

For full terms and conditions, please refer to the policy and supporting documents, which you should make sure you can access when you travel. 

Cover is provided for the phones used by you, your partner and your children under 18 who live at home with you (or under 23 if they’re in full-time education and live at home with you outside term time). There is no cover for phones owned by your employer. 

Up to two approved claims can be made in any 12-month period. If this is a joint account, up to four approved claims can be made, subject to policy terms.

Claims are usually settled by repairing your phone where possible. If your phone can't be repaired, or it has been lost or stolen, a replacement phone may be provided.

Replacement phones are refurbished devices in 'as new' condition using genuine manufacturer parts.

There is a £50 excess for repair claims and a £100 excess for replacement claims.

Cover applies to phones with an original purchase price of £2,500 or less (including VAT).

Replacement phones include a 12-month warranty. Walk-in and mobile repairs include a 24-month warranty.

• You can redeem one 5GB eSIM each month to use mobile data abroad. Once your eSIM has been activated it will be valid for 30 days within the country or region selected. Compatible device required.

• 24/7 virtual GP: unlimited access by video or phone (subject to fair use), including private prescriptions for you and your family (you'll need to pay for the medication).
• Mental health and wellbeing support: including a 24/7 helpline and up to six appointments yearly per person. Plus, fitness, nutrition and wellbeing content.  18+ only.
• Digital physiotherapy: up to six remote physio appointments per person per year. 18+ only.
• Health check: an annual review for you and your partner along with the option to discuss your results. 18+ only. (Customers with certain pre-existing medical conditions may not be eligible for this benefit. Eligibility is assessed through a questionnaire when you request a Health Check. See T&Cs for full details.)
• Expert medical opinion: get another medical opinion or discuss your results if you or your family have a complex diagnosis or treatment plan. One per person per year. 

Health benefits cover you, partner/spouse, and children aged 18 years and under (or 23 if in full time education), unless stated otherwise. Terms, conditions and exclusions apply.  Provided by Teladoc Health UK LTD, a limited company registered in England and Wales (company number 05739281).

To avoid disappointment during busy periods, you can pre-book lounge access for £6 per person. You can also bring guests for £25 per person. Joint account holders will each receive their own DragonPass membership and must show their membership card to access lounges and enjoy available discounts.

There are two different types of overdraft:

• An arranged overdraft, which allows you to go overdrawn up to an agreed limit. This is the type of overdraft you could apply for here. During your application for an arranged overdraft, we'll run a full credit check to determine how much we can offer you.
• An unarranged overdraft. This is when you spend more money than you have in your current account without already having an arranged overdraft, or when you exceed your current arranged overdraft limit.

We charge interest on both types of overdraft. Going in to an unarranged overdraft limit can lead to payments being rejected.

More about Overdrafts

This account offers an Overdraft facility (subject to eligibility). You can check if you're likely to be accepted for an overdraft using our eligibility tool.

As an example, the interest cost of using a £500 arranged overdraft is: 

This is a specific illustrative example representing the interest cost of using a £500 arranged overdraft over periods of 7, 30 and 60 days.

Looking to understand the costs of an overdraft of more or less than £500 over different periods of time? Use our handy cost calculator.

If you don't pay it back, it could have an impact on your credit score.

How does our overdraft compare?

A good way to compare the costs of borrowing products is by using the APR, which shows the cost of borrowing over a year.

Representative Example: Effective Annual Rate: 19.49% EAR (variable). Representative APR: 19.49% APR (variable). Assumed credit limit: £1,200.