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Rachel H

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All reviews (21)

Review of the AA, Travel Insurance:

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Great Cover Travel Insurance

My partner and I have been using the AA for our annual travel insurance for the past few years as he has breakdown cover with them - the biggest draw is that this means we don't have to pay an excess on any claims (although thankfully we haven't had to make any). The cover is really comprehensive and, unlike some companies, they offer an additional premium to cover ash cloud/volcanoes etc which we took up for our Iceland trip for peace of mind. The couples rate is much better than the individual one but the level of cover they offer for medical expenses and emergency assistance is excellent so if you travel at least twice a year it is worth it. It also includes trips of 2 nights or more in the UK if you have pre-booked accommodation which means you can claim for cancellation even if you aren't going abroad. I have spoken to their staff several times and they are always helpful and friendly and on a freephone number in a British call centre. I would definately recommend this insurance, especially if you already have breakdown cover with them. Reviewed on: 25th July 2016

Review of the HSBC, Credit Card:

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No loyalty benefits

I have had an HSBC Gold credit card for about 20 years. During this time I've always paid the balance as soon as I made a payment so I have never paid any interest on it. I used it mainly for over the phone purchases or high value spends like holidays. Despite being a loyal customer for so long I had never been offered any added incentives to use the card - no points, cashback or discounts for anything. For this reason I now prefer to use my Nationwide credit card and only use the HSBC one occasionally to avoid paying the non-usage fee. It has the highest credit limit of my three cards so I have maianly kept the account in case I need it in an emergency. I have no complaints about it though and as it is linked to my current account it is easy to check my balance when I do spend on it. Reviewed on: 20th June 2016

Review of the Barclaycard, Platinum Credit Card:

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Generally good but some issues using it abroad

I have had this card for several years but I have had a few issues with it. Barclaycard say that you don't need to inform them if you are going away yet I always do as I choose not to take my mobile or computer with me when I travel abroad so I can't be contacted. One example of a problem was that after a trip to Iceland I came home to find several messages left on my landline to say someone had attempted to use my card fraudulently. I cancelled the card, paid for a credit check and worried a lot about what may happened but it eventually turned out that it was when my partner and I had had several unsuccessful attempts at using a 'pay at the pump' petrol station in Iceland. Yet Barclaycard hadn't previously been able to give us any details of the so called 'fraud' which caused us so much worry. I ended up taking out another credit card with a different company just to use abroad that allows you to put your travel details into their website. Other than that they are a good card provider. I can't comment on their interest rates as these days I just use it as a safe way to pay online and I pay the bill immediately. Reviewed on: 6th May 2016

Review of the Nationwide, Credit Card:

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Great for cashback

Nationwide's select credit card is a great option as you get cash back every time you use it. If you have a current account with them as well it is perfect for using abroad as there are no fees which makes a big difference to holiday expenses. Their customer service is good too - when I had a problem with my card recently they were very helpful and understanding and resolved my problem fairly and easily. Reviewed on: 21st April 2016

Review of the TSB, Classic Plus Account:

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Simple to set up and 5 % interest

This is a great account that was easy to set up online - it offers 5% interest as long as you pay in £500 a month and this doesn't have to include your salary. You don't need to set up any bills with it so you can keep your other current accounts for this if you prefer. The staff were friendly and helpful when I phoned up for help whilst trying to set up a standing order and overall I have had a very good experience with them so far. Reviewed on: 28th March 2016

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