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Been thinking of changing my current bank account to one of the premier one's. Currently with Santander but have been looking at the Natwest advantage private account because it gives better value for money with mobile phone insurance etc for the same price, but was wondering if its worth having all you eggs in one basket and if the products that they offer are that good?
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I have an RBS Royalties Gold (same as NatWest Advantage Gold).
Travel insurance is well worth the £12.95 a month alone - travel has a £50 annual supplement for hazardous activities including MTB holidays and works about about the same as a Snowcard joint policy which was about £200.
Phone insurance seems grand (covers iPhones and similar - Orange care was about a tenner a month alone and didn't seem as good) and the home emergency cover sorted things out no hassle when we had a burst central heating pipe a wee while ago.
The travel service is apparently very good if you do "normal" holidays and I guess if you use the rest then it all helps.
I find RBS pretty good as a retail customer, never had any problems with them. If you will actually use the benefits instead of paying for things separately then I reckon it is worth it, otherwise it is a waste of money.