My brother and I have a credit card from Virgin (MBNA) Having become unemployed I thought I would call help line for a claim pack. This came and I filled it in (very intrusive I might add) sent this off about two weeks later got the reply we are unable to help you at this time. It turns out that my brother is covered but only for death or hospital admin. So this turns out to be a joint policy but only in one name. Now this cover is quite expensive at 79 pence per 100 pounds I would have thought that some cover would be on all the cards.