FlexPlus Identity Theft Assistance

Terms of business

These terms and conditions ("Terms") govern the users ("you" or "your") use of our website ("Website") and your relationship with Lifestyle Services Group Limited (Company Registration No.5114385) whose registered office is at Osprey House, Ore Close, Lymedale Business Park, NEWCASTLE-UNDER-LYME, Staffordshire, ST5 9QD ("we", "our" or "us"). Please read them carefully as they affect your rights and liabilities under the law. If you do not agree to these Terms, please do not access or use the Website. If you have any queries regarding these Terms then please contact us at customerservices@lifestylegroup.co.uk.


1. Agreement

By using the Website you agree to be bound by these Terms.

2. Amendments
We reserve the right to:
3. Registration

You warrant that:

You agree to notify us immediately of any changes to your personal information following registration by e-mailing or telephoning our customer service representatives.

4. Compliance

The Website may only be used for lawful purposes and in a lawful manner. You agree to comply with all applicable laws, statutes and regulations regarding the Website and its use. You agree not to upload or transmit through the Website:

You may not create a link to this Website from any other website without prior permission from us.

5. Indemnity

You agree to fully indemnify, defend and hold us harmless, immediately on demand, from and against all claims (actual or threatened), actions, awards, proceedings, losses, costs and expenses, including reasonable legal fees, arising out of any breach of these Terms by you, or any other liabilities arising out of your use of this Website or any other person accessing the Website using your personal information.

6. Third Party Links

As a convenience to our customers, the Website may include links to other websites or material which is beyond our control. We are not responsible for such websites or material nor do we review or endorse these websites. We will not be liable, whether directly or indirectly, for the privacy practices or content of such websites nor for any damage, loss or offence caused or alleged to be caused in connection with, the use of or reliance on any such advertising, content, products, materials or services available on such external websites or resources and we accept no responsibility or liability for any losses or penalties whatsoever that might be incurred as a result of linking to any location on any linked sites or pages.

B. INSURANCE POLICY (“Policy” or “Policies”)

7. Requests

All requests for Policies are subject to acceptance and availability. If a particular Policy is not available, you will be notified by e-mail (or by other means if no e-mail address has been provided) and you will have the option either to wait until the item is available or to choose an alternative policy. Any requests placed by you will be treated as an offer to purchase the policy from us and we have the right not to accept such offers at any time. You acknowledge that any automated acknowledgment of receipt of your request which you may receive from us shall not amount to our acceptance of your request to purchase a Policy advertised on the Website. The contract between you and us will come into effect when we (i) debit your credit or debit card; or (ii) despatch the goods to you or commence the services, whichever is the earlier.

We will take all reasonable care, in so far as it is in our power to do so, to keep the details of your request and payment secure, but in the absence of negligence on our part we cannot be liable for any loss you may suffer if a third party procures unauthorised access to any data provided by you when accessing the Website. All Policies are subject to additional specific terms and conditions related to our standard terms and conditions of insurance. Please ensure that you read such additional terms.

8. Price and Payment

We provide mobile phone insurance cover to Nationwide FlexPlus Account Holders as a benefit of this account.

9. Eligibility

To be eligible to lawfully enter into and form contracts on this Website under English law you must:

By requesting a Policy you represent to us that you are 16 years of age or over and authorise us to transmit information (included updated information) to obtain information from third parties, including but not limited to, your bank or credit reports to authenticate your identity.


10. Intellectual Property

The content of the Website is protected by copyright, trade marks, database and other intellectual property rights and you acknowledge that the ownership of the material and content displayed as part of the Website and the intellectual property rights in such material and content shall remain with us or our licensors absolutely.

You may retrieve and display the content of the Website on a computer screen, store such content in electronic form on disk (but not any server or other storage device connected to a network) or print one copy of such content for your own personal, non-commercial use, provided you keep intact all and any copyright and proprietary notices. You may not otherwise reproduce, modify, copy or distribute or use for commercial purposes any of the materials or content on the Website.

11. Limitation of Liability

Not with standing any other provision in the Terms, nothing in these Terms:

The Website is provided on an "as is" and "as available" basis without any representation or endorsement made and we make no warranties, whether express or implied, in relation to it and its use. You acknowledge that we cannot guarantee and cannot be responsible for the security or privacy of the Website and any information provided to by you. You must bear the risk associated with the use of the Internet.

Whilst we will try to ensure that material included on the Website is correct, reputable and of high quality, we cannot accept responsibility if this is not the case. We will not be responsible for any errors or omissions or for the results obtained from the use of such information or for any technical problems you may experience with the Website. If we are informed of any inaccuracies in the material on the Website we will attempt to correct this as soon as reasonably possible.

We will have no liability for:

12. Severance

If any part of the Terms shall be deemed unlawful, void or for any reason unenforceable, then that provision shall be deemed to have been deleted from these Terms and shall not affect the validity and enforceability of any remaining provisions of the Terms.

13. Waiver

No waiver by us shall be construed as a waiver of any proceeding or succeeding breach of any provision.

14. Third Party Rights

All third party rights are excluded and no third party shall have any right to enforce these Terms. This shall not apply to members of our group from time to time who shall, subject to our consent, have the right to enforce these Terms as if they were us. Any rights of a third party to enforce this Contract may be varied and/or extinguished by agreement between the parties to this Contract without the consent of any such third party.

15. Law and Jurisdiction

The Website is controlled and operated in the United Kingdom. The Terms will be governed by the Laws of England and Wales and you irrevocably agree to submit to the exclusive jurisdiction of the English Courts.

Emergency advice and assistance

For expert advice and assistance call:

FlexPlus helpline 0800 11 88 55

We’re available:
Monday – Friday, 8.00am – 8.00pm and
Saturday – Sunday, 9.00am – 6.00pm


Calls to 080 numbers are free from landlines and mobile phones. Calls may be recorded or monitored for training/customer services purposes and/or the prevention or detection of crime.


Identity theft Risk Calculator

You can use this to assess your level of fraud risk. Simply answer the online questions and we’ll update you on what you need to do to protect yourself and your information.

Calculate risk Calculator