Explore your Reward Black benefits

• Worldwide travel insurance that provides cover for you and your eligible family for 90 days per trip (including 31 days for winter sports). 
• Cover for you, your partner and dependent children under 18 (or under 23 if in full time education) at the start of the journey. Children must be living at the home address (or with the other parent), and be neither married nor in a Civil Partnership.
• Emergency medical expenses, cancellations, baggage and more.

Policy underwritten by AWP P&C SA and administered by AWP Assistance UK Ltd trading as Allianz Assistance.

Things to remember

• Your partner is the person you, the account holder, live with at the same home address in a relationship, whether married or cohabiting.
• If anyone covered by this policy is aged 70 or over, you will need to contact us to pay for a £75 annual age extension upgrade for each person insured aged 70 or over for cover to apply.

Before you book or commence any travel

To find out if you can extend your travel insurance to include cover for any new or existing medical conditions please sign in and complete the online form.

If you wish to discuss how your insurance works, you can call us:

UK: 0345 266 8801 | Relay UK: 18001 0345 266 8801 | Monday to Friday, 8am-8pm | Saturday, 9am-5pm | Sunday, 10am-5pm.

Pre-existing medical conditions

Pre-existing medical conditions won't be covered. You may have to pay extra for this cover or you may find that your condition cannot be covered. 

If Allianz Assistance 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-6pm | Saturday, Sunday and Bank Holidays, closed.

Make a claim

To make a travel insurance claim please sign in and complete the form online.

If you are injured or ill while you are away, call our Emergency Assistance Service:

UK: 0345 266 8801 | Relay UK: 18001 0345 266 8801 | Overseas: +44(0)208 666 9277 | 24/7, 365 days a year.

To pre-book visit the DragonPass app and follow the on-screen instructions. Not every lounge allows pre-booking and will be subject to availability. £5 pre-booking fee will apply.

Getting started with DragonPass Premier+

We’ll automatically send you a DragonPass Premier+ membership card in the post when you open or upgrade to a Premier Reward Black Account. The card will take around a week to arrive.

Download the DragonPass Premier+ app before you travel to check lounge listings, opening and closing times and any restrictions that may be in place. It also gives you information on restaurant and spa offers as well as the ability to pre-book certain lounges.

Download DragonPass Premier+ app

Getting access

Remember to take your DragonPass Premier+ membership number with you when you travel.

If you have a joint account and are travelling with the other account holders, you will both need to have your membership numbers (either the plastic card or digital version available through the app) and present them upon arrival at a lounge.

Guests travelling with you, who don’t have a Premier Reward Black account, can use the lounge for a payment of £24 per person.

Enjoy additional airport discounts

You are also eligible to receive discounts at airport cafés and restaurants, a handy alternative where no lounge access is available.

DragonPass Premier+ also gives you access and exclusive discounts at airport spas to truly relax and unwind before your flight.

• Use your debit card for purchases anywhere in the world without the worry of incurring extra charges or carrying around lots of cash.
• No non-sterling transaction fee when you make a payment using your Premier Reward Black debit card outside the UK, or on any payment in a foreign currency.

Things to remember

• Not valid for ATM withdrawals. Other local fees may apply.
• We explain the charges for this at rbs.co.uk/travel along with tips for when you’re travelling abroad.

• You’re automatically covered but we recommend you register your mobile phone to make the claims process quicker.
• Worldwide cover for your mobile phone against loss, theft, accidental damage or breakdown (after the manufacturer's warranty has expired). Please note if you're outside the UK we won't repair or replace your phone until you return.
• 4 approved claims during any 12-month period.
• Standard accessories that are lost, stolen or damaged at the same time as your phone, are covered up to £250.

Policy underwritten by Aviva Insurance Limited.

Things to remember

• There’s a £100 excess for each approved claim when your phone is replaced.
• There’s a £50 excess for each approved claim when your phone is repaired.
• Phones with a screen size of 7 inches or greater aren’t covered.
• Covers the phone used on a daily basis by you, your partner and/or your children under 18 years old who live at home with you (under 23 years old if they are still in full time education and living at home with you outside term time). There is no cover for phones owned by your employer.

Make a claim

• Claims are settled by replacing or, in certain circumstances, repairing your phone.
• Claims should be reported as soon as possible when theft, loss, damage or breakdown is discovered.
• Our replacement phones are refurbished handsets in ‘as new’ condition using genuine manufacturer parts.
• Our repairs use genuine manufacturer or manufacturer quality parts.
• If your phone has been lost or stolen, you must report it to your network provider as soon as reasonably practical after the event.
• If your phone has been stolen, you must report it to the police and request a crime reference number.
• We won't pay any claim where you do not provide the IMEI number or the IMEI number you provide is currently recorded as lost or stolen.

Log a claim

Alternatively you can call us on:

UK: 0345 266 8801 | Relay UK: 18001 0345 266 8801 | Monday to Friday, 8am-8pm | Saturday, 9am-6pm | Sunday, 10am-5pm | Bank Holidays will be opened during the same hours​ noted, excluding Christmas Day and New Year’s Day.

The AA provide our UK & European breakdown cover and includes getting you to a destination of your choice if they can't get your vehicle going again.

• All your vehicles are covered - your policy covers any privately registered vehicle you travel in, anywhere in the UK and Europe. It also covers your vehicle if it is being driven by someone else with your permission.
  
• Roadside Assistance - anywhere in the UK and Europe.
• At Home - get help when your vehicle won't start at home.
• National Recovery - if the AA can't get your vehicle going, they'll take you and your vehicle to a destination of your choice.
• Onward Travel - if your vehicle can't be fixed at the roadside, the AA can help you complete your journey. This may be by arranging a replacement vehicle, booking you a night's accommodation or funding alternative transport costs (i.e. rail fares) where appropriate.
• Accident Assist - a 24/7 accident claims service. The AA will handle your insurance claim - at no additional cost - no matter which company insures you.

Provided by Automobile Association Developments Limited (trading as AA Breakdown Services)

Things to remember:

• Doesn't cover any repair costs once the insured vehicle has been transported to a garage or repairer.
  
• Repeat call-outs for the same fault within 28 days won't be covered.
• All vehicles must meet legal requirements - insured, taxed and with a valid MOT.
• All vehicles must be within 3.5 tonnes, no wider than 2.55m, and in Europe no longer than 7m or higher than 3m. Motorbikes under 200cc are not covered in Europe.

Full details on car breakdown cover

Broken down and need assistance?

In the event of a breakdown, please register and track this on the AA app or call:

UK: 0345 266 8801
Relay UK: 18001 0345 266 8801
Europe: +44 (0) 345 266 8801

Emergency cover for your home, day or night. 

• Covered up to £750 including VAT.
• Cover applies for two homes – your main residence and any second you own in the UK (excluding properties you rent out).
• The home must be owned by you and be your permanent, or secondary, private place of residence. 
• Your home must be in the UK or Isle of Wight.

Policy is underwritten by U K Insurance Limited.

Main exclusions of your cover

• External water supply pipes.
• Boilers over 10 years old, or with an output over 75kw.
• Any emergency, if your home has been unoccupied for more than 60 consecutive days.
• Detached garages and outbuildings.
• Homes in Northern Ireland, the Channel Islands, the Scilly Isles and the Isle of Man.

Your Home Emergency cover is not a household buildings or contents insurance policy, or an equipment maintenance contract.

Need assistance?

If you suffer an emergency at your home please call us on:

UK: 0345 266 8801 | Relay UK: 18001 0345 266 8801 | 24/7, 365 days a year. 

• Get your hands on hard-to-get tickets.
• Book a table at a top restaurant anywhere in the world.
• Recommend and secure that special gift for any occasion, even gift-wrapped if you need it.
• Booking an executive car.
• Creating that trip of a lifetime.

Start planning

• Receive 25% cashback on tickets for theatre, dance, opera, concert performances and more throughout the UK and Ireland. Your cashback will be paid into your Premier Reward Black account within 30 days of your booking.
• Order up to six tickets through the booking service for each event, up to four bookings a year.

Register online to book event tickets any time, day or night.

Sign in to Membership Services

• Buy online through Membership Services and take advantage of discounts on the price of cinema tickets.
• Valid at over 250 UK cinemas including Vue, ODEON and Showcase.
• Great prices on cinema eCodes to redeem at one of many cinemas throughout the UK - Any day, any time, any film.
• Prices depend on cinema chain and location (London/non-London).
• You can buy up to 6 eCodes per booking, and book as many times as you want all year round.

Using your eCodes is easy

1. Sign in and select Cinema discount benefit.

2. Choose your cinema chain.

3. Purchase your eCodes.

4. Choose the film, date, time and seat you want when you use your eCodes either on the cinema’s website or at the Box Office.

Sign in to Membership Services

• Get £9 a month back in Rewards for 2 or more Direct Debits (2 of those Direct Debits needs to be at least £4.50 each).
• Get £1 a month back in Rewards with 1 mobile app log in.
• Earn at least 1% in Rewards by shopping at our partners.

• Redeem Rewards as cash which you can then transfer straight into your bank account or pay towards your Royal Bank credit card balance.
• Exchange your Rewards into money which is donated to one of our chosen charities.
• Exchange for eGift cards which you can use online or in store with our partners.

You can see your MyRewards balance and exchange straight from the Royal Bank app with the touch of a button. There's no need to use a password. Simply tap the MyRewards tile then earn Rewards, exchange Rewards or view statement.