Best & Worst Premium Bank Accounts for Insurance in the UK (2026)

In this episode of Banking Without Borders, I break down the UK’s most popular premium packaged bank accounts and ask one simple question: which ones are actually worth paying for in 2026?I compare travel insurance, breakdown cover, and mobile or gadget insurance across leading accounts from Nationwide, Virgin Money, Santander, Monzo, Revolut, Lloyds Bank, The Co-operative Bank, and Chase UK — focusing on the fine print most people never read.In this episode, we cover:Which premium bank accounts offer the strongest travel and medical insuranceHow breakdown cover really differs between providers (home start, national recovery, Europe)Where mobile vs full gadget insurance makes a real difference for familiesWhich accounts are best for over-70s, tech-heavy households, or frequent travellersWhich premium account offers the best overall valueAnd which one takes home the wooden spoon for weakest insurance coverIf you’re paying a monthly fee for your bank account — or considering switching — this episode will help you avoid expensive mistakes and choose the right account for how you actually live and travel.Join the new Banking Without Borders Discord community https://link.bankingwithoutborders.co.uk/discordSubscribe on YouTubehttps://link.technicallymoney.com/oy8eCheck out our website DepositScout.com for the latest savings rates. Connect with us (via LinkedIn)Jan: https://www.linkedin.com/in/jan-watermann/Jonny: http://www.linkedin.com/in/jonny-peaseGot a question or topic you want us to cover? Drop us a message at [email protected]