Need to make an insurance claim?
We’ve got you covered.
The details provided below are for information al purposes only and are non-contractual; please refer to the Terms & Conditions for the full list of coverages and exclusions.
What’s included in your coverage
Purchase protection
Receive a refund if something you buy gets damaged or stolen. Applies to both online and offline purchases including mobile devices, laptops and tablets. Jewelleries and watches are also covered (conditions apply).
Classic
Limit: £1,000
Max £2,500 per year
Premium
Limit: £5,000
Max £10,000 per year
- Minimum purchase price £100
- For 120 days from date of purchase (Classic)
- For 180 days from date of purchase (Premium)
- You may be required to ship the damaged item; insurance covers the shipping cost.
Bills protection: accident, sickness or job loss
Receive an indemnity if you have an accident, become too ill to work, lose your job involuntarily or need to stay in hospital. This indemnity can be used to pay your monthly recurring bills.
Essential
up to £600
Classic
up to £1,500
Premium
up to £2,100
- 30-day waiting period
- Covers employees (not self-employed)
- We will pay a one-month average of your monthly recurring bills – that are paid from your Monese account – up to the maximum stated above.
Bills protection: hospitalisation
Get a daily indemnity if you are hospitalised for at least 2 days. The daily benefit depends on your account type. The maximum duration of the indemnity is 30 days of hospitalisation.
Essential
£15 per day
Classic
£40 per day
Premium
£60 per day
- Up to 30-day benefit period
- 48-hour waiting period
- Covers both employees and self-employed
What is purchase protection?
If you make a large personal purchase with your Monese account, it’ll be protected against any accidental damage or theft. We’ll cover your item up to £1,000 on Essential and up to £5,000 on Classic or Premium over a 12-month period.
Theft or accidental damage to a purchased item
Up to £ 1,000 per item and £ 2,500 during a 12 month period.
Claims are valid for items for 120 days from the date of purchase
Theft or accidental damage to a purchased item
Up to £ 5,000 per item and £ 10,000 during a 12 month period.
Claims are valid for items for 180 days from the date of purchase
What is bills protection?
Protect monthly recurring bills you pay from your Monese account if you have an accident, become too ill to work, lose your job involuntarily or need to stay in hospital.
Had an accident and you can't work
Job loss that isn't your choice
Hospital stay after an accident or sickness
If you’re employed:
Bill protection following an accident
up to £600
Bill protection following sickness
up to £600
Bill protection following involuntary loss of employment
up to £600
Hospital stay
£15 a day for up to 30 days
If you're self-employed:
Hospital stay
£15 a day for up to 30 days
If you are employed
Bills protection following an accident
up to £1,500
Bills protection following sickness
up to £1,500
Bills protection following involuntary loss of employment
up to £1,500
Hospital stay
£40 a day for up to 30 days
If you are self-employed
Hospital stay
£40 a day for up to 30 days
If you are employed
Bills protection following an accident
up to £ 2,100
Bills protection following sickness
up to £2,100
Bills protection following involuntary loss of employment
up to £2,100
Hospital stay
£60 a day for up to 30 days
If you are self-employed
Hospital stay
£60 a day for up to 30 days
Have a question?
Head to our Help Centre to find the answer.
Help CentreImportant notification
Please note that this protection will end on October 5, 2024.
Any claims occurring on or after October 5 will be rejected.
Claims occurring before this date are still covered.
