A bank account with extra benefits

One of the primary Gold benefits is the travel insurance. The built in travel insurance offers comprehensive cover when travelling and includes winter sports cover.

If you experience difficulties while abroad, you have access to 24/7 emergency medical assistance. Wherever you are in the world, one simple phone call will provide you with instant help and support, day or night.

• Family cover includes you and your partner, plus any dependent children under age 18 at the start of the journey, (under 23 if they’re in full-time education). 
• Children must be living at the home address (or with the other parent), and be neither married or in a civil partnership.
• Your partner is the person you, the account holder, lives with at the same home address in a relationship, whether married or cohabiting.

Medical conditions

If anyone covered by the policy has a medical condition, you may need to pay an additional premium or accept that your cover may exclude certain conditions. 

For full details about exclusions and limitations please read our insurance guide.

For more information on how coronavirus (COVID-19) affects your Gold account travel insurance, please review our frequently asked questions.

Emergency medical assistance and claims

If you are injured or ill while you are away, please contact us on:

020 3433 3989

Call +44 (0) 20 3433 3989 from abroad

Using Relay UK? Call 18001 020 3433 3989

email: medicalassistanceuk@allianz.com

Lines are open 24 hours a day, 365 days a year. Calls may be recorded.

Non-emergency claims

For non-emergency claims, please contact us on:

023 9267 6061 

Call +44 (0) 23 9267 6061 from abroad

Using Relay UK? Call 18001 023 9267 6061

email: iombank.insurance@allianz-assistance.co.uk

Lines are open 9am to 5pm, Monday to Friday. Calls may be recorded.

Isle of Man Bank has teamed up with Ten, a leading lifestyle management company to bring Gold account customers a 24/7 concierge service.

Our members enjoy a whole host of exclusive dining, travel, entertainment and retail benefits that have been negotiated with world-leading brands by our team of specialists.

• Unlimited dining, travel and ticket requests
• Savings on flights departing from the UK with Ten’s partnered airlines including various long-haul destination flights with British Airways.
• Access to the experts at Ten concierge

How to get started with Ten concierge

The insurance works alongside your existing car insurance. It covers the cost of your excess if you have to make an ‘at fault’ claim where the damage to your vehicle is greater than your excess limit. Should you need to make a claim on your car insurance, you pay your excess as normal and then claim it back.

Cover is available for persons who own and insure their private motor vehicle. £3,000 is the limit under the policy.

To notify the Insurer of a claim:

Policy Number: IOM - PME

Membership Services: 023 9267 6061

Using Relay UK? Call 18001 023 9267 6061

e-mail: iombank.insurance@allianz-assistance.co.uk

You must give all information or help that you are asked for. Further details of how to claim are included in the policy document.

Lines are open 9am to 5pm, Monday to Friday.

Car Rental Loss Damage Waiver Insurance

£50,000 (or equivalent in local currency incurred as a result of damage, fire, vandalism, theft of use of the rental vehicle. £20 per day (up to a maximum of £200) if the Car rental is cancelled or cut short on the advice of a physician. £200 to pay for drop-off charges incurred through the car rental station following an accident or illness. £50 for calling out a locksmith if a named beneficiary unintentionally locks their keys in the rental vehicle.

To notify the Insurer of a claim:

Policy Number: IOM - LDW

Membership Services: 023 9267 6061

Using Relay UK? Call 18001 023 9267 6061

e-mail: iombank.insurance@allianz-assistance.co.uk

This insurance provides cover for rental periods of up to 31 days. Cover is available for persons aged 21 to 84, at the time when the car rental booking is made.

You must give all information or help that you are asked for. Further details of how to claim are included in the policy document.

Lines are open 9am to 5pm, Monday to Friday.

Only available to Gold account customers. Private Motor Excess Insurance & Car Rental Loss Damage Waiver Insurance provided by AWP P&C SA and administered in the UK by Allianz Global Assistance.

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). 

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 seven, thirty and sixty days.

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 0% EAR on arranged overdrafts up to £100, 7.76% EAR (variable) above £100. Representative 7.11% APR (variable). Assumed credit limit: £1200.