HSBC Premier World Elite Mastercard (United Kingdom) Purchase Protection: £2,500 per claim, £10,000 per year Coverage

Your HSBC Premier card protects purchases against theft and accidental damage for 90 days from the date of purchase — up to £2,500 per individual claim and £10,000 per year. Those limits are worth keeping in mind if you're buying high-value electronics or luxury items: a single MacBook Pro could nearly max out your per-claim allowance, leaving little room for anything else in the same incident.
The 90-day window starts the moment you tap your card, not when the item is delivered. If you order something online that takes three weeks to arrive, you've already used almost a quarter of your protection window before you've even opened the box. Items must be new — used goods, consumables, and services are excluded, as are vehicles and real estate.
Like the rest of the HSBC Premier travel and purchase benefits, this is administered through the Aviva policy. If you need to file a claim, you'll need the original purchase receipt, your card statement showing the charge, photos of the damage, and a police report if the item was stolen.