Business cards insurance benefits

Key features and benefits

There’s a lot to think about when running a business. So, to remove a potential worry and help protect your business and your cardholders, most of our business cards come with a range of useful insurance benefits as standard.

Flex credit card

Classic credit card

Classic credit card

Premium Plus credit card

Premium Plus charge card

Barclaycard Flex credit card Barclaycard Select credit card Barclaycard Select charge card Barclaycard Premium Plus credit card Barclaycard Premium Plus charge card
Online payments and fraud protection Cyan tick icon Cyan tick icon Cyan tick icon Cyan tick icon Cyan tick icon
Purchase protection Cyan tick icon Cyan tick icon Cyan tick icon Cyan tick icon
Cardholder misuse insurance Cyan tick icon Cyan tick icon Cyan tick icon Cyan tick icon
Travel insurance Cyan tick icon Cyan tick icon
Travel Accident & Inconvenience Cyan tick icon Cyan tick icon

Online payments and fraud protection


We’re making it safer for all our customers to shop online, whether you’re buying office supplies, making travel arrangements or simply paying your regular suppliers.

To make sure you’re protected, we monitor all online transactions, to help identify any suspicious activity. So in the unlikely event that an unauthorised transaction does take place, your business won’t be liable for the cost.

When you shop online, Barclaycard Secure gives you the same level of security as Chip and PIN. So make sure that you buy from participating retailers for extra peace of mind. They will ask for a secure password every time you use your Barclaycard business card online.

Purchase Protection


When you’re a Select or Premium Plus card customer, you know you’re protected when you make a purchase with your card. Any eligible goods over £50 are covered for accidental damage or theft – for the first 90 days which gives you plenty of time to organise extra cover after that.

Your business is covered for up to £10,000. Any single item is covered up to £2,500 (subject to a £50 excess) and you can claim up to £6,000 for a single incident – for each and every card.

It’s worth checking the purchase protection section of the Select Insurance Benefits and Exclusions PDF (388KB) or Premium Plus Insurance Benefits and Exclusions PDF (284KB) insurance benefit document, so you know what exclusions apply. The details of this benefit is the same across all products.

Cardholder misuse insurance


If one of your cardholders uses their Select or Premium Plus cards inappropriately, and you can’t get reimbursed, you could be covered for:

  •     Up to £15,000 per cardholder
  •     Up to £1,000,000 each year for your business
The policy covers permanent and temporary staff, and you can claim for any fraudulent transactions that took place:

  •     up to 75 days before you discovered the fraud
  •     14 days after you notify us

It’s worth checking the cardholder misuse section of the Select Insurance Benefits and Exclusions PDF (388KB) or Premium Plus Insurance Benefits and Exclusions PDF (284KB)  insurance benefit document, so you know what exclusions apply. The details of this benefit is the same across all products.

Travel insurance


 All our Premium Plus credit and Premium Plus charge cardholders get enhanced travel insurance. Use your card to pay for the whole trip and your complimentary cover includes:

  •     Emergency medical expenses – up to £2 million worldwide
  •     Personal liability – up to £2 million
  •     Evacuation and repatriation expenses – up to £1 million
  •     Legal expenses – up to £25,000
  •     Cancellation – up to £6,000
  •     Missed departure – up to £1,000
  •     Travel delay – up to £300
  •     Personal belongings and Money – up to £3,000
  •     Business document replacement – up to £1,000
  •     Hospital benefit – £55 a day (for a maximum of 30 days)
  •     Lost money – replacement up to the value of £750
  •     Emergency personnel replacement – up to £1,000
  •     Personal accident benefit – £350,000 when travelling on public transport, and £25,000 at any other time during your trip

It’s worth checking the travel insurance section of the Premium Plus Insurance Benefits and Exclusions PDF (284KB) , so you know what exclusions apply. 

Travel Accident & Inconvenience


Use your Premium Plus credit card or Premium Plus charge card to pay for your business travel, and you could be covered for all sorts of eventualities. Many of these insurance benefits come as standard, saving you money on your company travel budget.

Use your card to pay for your whole trip and you get free Travel Accident & Inconvenience cover while you’re in transit of up to £100,000 - for the cardholder and three other people.

Please note: Business Travel Accident & Inconvenience cover isn't comprehensive travel insurance. It covers bodily injury leading to death or permanent total disability while using public transport on a business trip outside your home country. So it’s worth considering whether you require additional insurance to cover your needs.

It’s worth checking the Travel Accident & Inconvenience section of the Premium Plus Insurance Benefits and Exclusions PDF (284KB) insurance benefit document, so you know what exclusions apply. The details of this benefit is the same across all products.

Full policy documents

Select Insurance Benefits and Exclusions PDF (388KB)
Premium Plus Insurance Benefits and Exclusions PDF (284KB)