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Barclays Additions Active

The Additions Active packaged bank account offered a comprehensive range of benefits to complement your lifestyle.

Barclays stopped selling packaged bank accounts between 2008 and 2012. The Additions Active Account was one of the accounts that was withdrawn and migrated to a Barclays Bank Account or the Premier Current Account with a Tech pack and/or Travel Pack.

What were the benefits of Barclays Additions Active account?

This account had the following benefits:

  • Worldwide Travel Insurance - The insurance covers trips that last up to 31 days, providing that the account holder and their partner where under 70 years of age on the start date of a trip. Business travel is also covered.
  • Comprehensive RAC Breakdown cover in the UK and Europe - Includes roadside recovery in the UK and in Europe.
  • Mobile Phone Insurance - Worldwide cover for mobile phones and smartphones which includes loss, theft breakdown and accidental damage.
  • Gadget Cover - Tablets, laptops, cameras, video cameras, MP3 players are included in this policy, offering protection against theft, breakdown, accidental and malicious damage.
  • Extended Warranty - An additional one year’s cover on domestic appliances, on top of the standard one-year manufacturer’s warranty and covers breakdown caused by accidental damage.

What was the cost of the Barclays Additions Active Account?

The account had a monthly fee of £15, regardless of whether the account was in credit or not. 

How was Barclays PBA (Packaged Bank Account) mis-sold?

Like payment protection insurance (PPI), PBAs were often mis-sold by banks because the suitability of the product wasn't adequately assessed against the consumers’ needs and what the account offered was not properly explained to them. When Barclays sold customers a Packaged Bank Account, it was their responsibility to outline all the benefits to the customer to ensure that the decision to take out a PBA was right for them.

What ways could Barclays have mis-sold you your packaged bank account?

Before considering a packaged bank account, consumers should be made aware of alternative, free accounts that could also work for them.

Many consumers found that there were too many limitations on the policy that they would not have had if they had taken the insurance as a standalone policy. Additionally, consumers may have tried to make a claim on the policy only to find out that they were not covered.

Many consumers did not fully understand how much a packaged bank account was going to cost them per month.

If you are unlikely to use certain packaged bank account benefits, you could lose out. For example, if you don’t drive then breakdown insurance will not be suitable or applicable to your needs.

Please Note: Barclays no longer sell the First Additions Active account.

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