If you have a platinum current account with Lloyds you will no doubt be aware that it says it gives you Free Holiday Insurance Free card cover, free AA membership etc. However if you dont live in the Uk you are not covered for any of the above. To be covered for holiday insurance all journies must start and finish in the UK. So if you live in Gemany you will not be covered. lloyds will not tell you this unless you ask and will happily sent your bank statements to a BFPO address. Which will inform you that you have been charged £15.00 for cover which you cannot use.