I thoroughly endorse Big John's recommendation: Flex Plus is a really good account with useful insurances thrown in (there are others in addition to breakdown, travel and mobile phone) and straightforward terms - Nationwide does not muck you about, in my 15+ years' experience of banking with them.
The account even pays you a bit of interest; a little over £3 a month in my case, which obviously is not going to make me rich but is better than a poke in the eye and means I'm effectively getting all the insurances for £7 a month.
(No, I'm not employed by Nationwide!)
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