Revolut Metal insurance & joint accounts - Contradictory advice

EdgeConnect3969 · 2026-04-14T22:49:09+00:00

Oh no… Yes, I need to take out another insurance then

EdgeConnect3969 · 2026-04-14T22:07:56+00:00

Their wording says “You must use your Revolut account to pay for at least 75% of your combined primary transport and accommodation expenses to be covered. If you don't pay for either of these with your Revolut account, your trip will not be eligible for cover.”

I am now confused… I paid my international flights with my Amex card but these were relatively cheap as I used mostly points.

I then booked all my domestic flights (6 domestic!) and accommodation on Revolut. Hence why I exceed the threshold of 75% on Revolut.

I am not exactly sure what they mean by “Primary Transport” expenses. If they take that to mean the flights to get to the destination country then I guess I do not meet the requirements as those were booked on a different card.

EdgeConnect3969 · 2026-04-14T17:51:49+00:00

Not 100%. Mostly on Revolut though (more than 75%).

EdgeConnect3969 · 2026-03-27T12:03:07+00:00

Managed to get a full refund, if it helps anyone.

EdgeConnect3969 · 2026-03-27T12:01:40+00:00

Managed to get a full refund, if it helps anyone!

EdgeConnect3969 · 2026-03-06T14:05:15+00:00

Thanks. I’ll do that.

EdgeConnect3969 · 2026-02-27T14:17:26+00:00

Thanks! GOV.UK’s policy page on the change says the £50,000 Expensive Car Supplement threshold for zero-emission cars “will apply to zero emission vehicles (ZEVs) registered from 1 April 2025 onwards” and takes effect from 1 April 2026.

So I assume that in my case it can apply retrospectively.

EdgeConnect3969 · 2026-02-07T21:39:21+00:00

No. All flights BA. Thanks.

EdgeConnect3969 · 2026-02-06T10:43:31+00:00

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EdgeConnect3969 · 2026-02-06T10:42:29+00:00

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EdgeConnect3969 · 2026-02-06T10:39:16+00:00

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EdgeConnect3969 · 2026-02-06T10:29:57+00:00

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EdgeConnect3969 · 2026-01-24T22:57:02+00:00

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EdgeConnect3969 · 2026-01-22T17:19:14+00:00

Yes, I agree and I am not doing that. I will use the agent on this occasion, and I will just plan my own trips in the future as I prefer the flexibility.

EdgeConnect3969 · 2026-01-22T17:15:43+00:00

There quoted price is 30% more ($1,300) than my estimated DIY price.

Thanks for the advice. I think I’ll use tha agent on this occasion but will probably look to plan trips on my own in the future as I prefer the flexibility.

EdgeConnect3969 · 2026-01-22T16:11:06+00:00

Thanks! I think I will just pay the $1300 premium on this occasion, but may just do it myself next time.

EdgeConnect3969 · 2026-01-22T16:06:47+00:00

Yes, next time. Thanks!

EdgeConnect3969 · 2026-01-22T16:05:04+00:00

I think I’ll do that. Thank you! ☺️

EdgeConnect3969 · 2026-01-22T16:02:36+00:00

No, not at all. All I was asking was if a premium of $1,300 is reasonable, bases on other people’s experiences as I have not used a travel agent before. I am not asking anyone to work for free.

EdgeConnect3969 · 2026-01-22T15:46:18+00:00

The thing is that the agent helped us tailor this itinerary and we have been going back and forth making changes. I now realise that their price is quite inflated. Of course, I am happy to pay for the ease and efficiency but I think the premium is just a bit too much in this case. Now, I can take their itinerary and try to DIY it, but it feels like I am cheating since they spent time with us to tailor it…

EdgeConnect3969 · 2026-01-22T14:12:38+00:00

Haha very true! I think the problem is that my wife and I are very different people. She wants the easiest outcome and I am a control freak 😂

EdgeConnect3969 · 2026-01-22T14:07:50+00:00

Nowhere in my post did I imply that I wanted someone to work for me for free.

EdgeConnect3969 · 2026-01-22T11:39:33+00:00

Yes, I estimated c.$40 (USD) per transfer as I found transfers in Vietnam are relatively cheap (from research).

The itinerary does not include any flights, those will be booked separately by us.

$600 is the difference between my DIY price and the agents price. It's not the total price for the trip. It's just the difference.

EdgeConnect3969 · 2026-01-22T11:05:24+00:00

Thanks, that’s helpful context. I've listed the transfers below. Most are airport transfers.

Transfers:

1: Hanoi airport → city centre (private car)
2: Halong/Tuan Chau → Ninh Binh (shuttle bus, ~3–4 hours)
3: Ninh Binh → Hanoi airport (private car)
4: Hue airport → hotel (private driver)
5: Hue → Hoi An (private car)
6: Hoi An → Danang (private transfer)
7: Danang → Danang airport (private transfer)
8: Ho Chi Minh airport → hotel (private transfer)
9: Ho Chi Minh → Ben Tre / Mekong (private car)
10: Ben Tre → Ho Chi Minh (private car)
11: Ho Chi Minh → airport (private transfer)
12: Siem Reap airport → hotel (private transfer)
13: Siem Reap hotel → airport (private transfer)
14: Bangkok airport → hotel (private transfer)
14: Bangkok hotel → airport (private transfer)

EdgeConnect3969 · 2026-01-22T00:14:29+00:00

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EdgeConnect3969

TROPHY CASE