First Direct bank's 'First Directory' account upgrade is £15/month, and if it's also a joint account, as the one we have First Directory for is, you get included annual mobile phone insurance (for both of us), annual worldwide travel insurance (again, for both of us, travelling together or separately), and European breakdown cover (yup, covers both if us, and is I think provided by the RAC). I've no link to First Direct other than being a happy customer for more than 20 years, but the benefits really work for us considering it's only £180/year.