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I'm very unclear, for example, whether I'm covered for skiing or not. And the rather inappropriately-joshing northern bloke I spoke to on the phone about it didn't inspire much confidence either. If I'm hanging off a mountain with one leg missing, I don't want the Chuckle Brothers to turn up.

I was not unpleasantly surprised to hear that, even if you don't use a NatWest card to pay for a holiday, you're automatically covered for travel insurance if you have a NatWest Advantage Gold account. Is this a bit of a scam or am I looking a gift horse in the mouth? I've got a policy number -...