N26 Black Account included Insurance

I recently needed to move my current account away from Bank of Ireland and was seriously considering moving to N26 but decided instead to go to KBC. After all the issues with KBC I’m considering moving again and opening an account with N26. N26 have two products – their standard current account and their black account. As part of their black account you get travel insurance, extended warranty insurance, mobile phone theft insurance and ATM mugging insurance included. I decided to sit down and read the terms and conditions to see if it was worth paying the extra for the N26 Black…