I had a question about insurance benefits included with certain bank accounts. For example, the Nationwide FlexPlus account which charges a fee of £13 per month is bundled with benefits such as worldwide family travel insurance, mobile phone insurance and car breakdown cover. I realise that such insurance products can be problematic if purchased directly. However, is it permissible to make a claim on the insurance bundled with the bank account, for example, making a claim on the travel insurance if a planned holiday is cancelled due to genuine illness. Please note that such bank accounts provide the benefit of a bundle of insurance products at a fraction of the cost of purchasing these insurance products separately and the initial intention for opening such an account is often to benefit from such insurance should the need arise in future.