From 1 February 2025, there’ll be changes to our Club M Account insurance benefits.
You'll find details about the changes and what they mean for you in the table below.
We've also updated the Club M Insurance Policy Wording and the Insurance Product Information Document. You should read these to find specific information on what's covered and what's not.
- Club M Account Insurance Policy Wording (effective from 1 February 2025) Link opens in a new window
- (PDF, 2,188KB)
Worldwide* Family Multi-Trip Travel Insurance changes
* Excludes travel in, to or through Cuba, Iran, Syria, North Korea, the Crimea region, the Donetsk People’s Republic (DNR) or Luhansk People’s Republic (LNR) regions of Ukraine, or areas where the Foreign, Commonwealth and Development Office has advised against ‘all’ or ‘all but essential’ travel.
| What's changing | What it means for you |
|---|---|
| From 1 February 2025, you’ll no longer have access to the Talking Nurses service for general medical advice. | You won’t be able to use the Talking Nurses service for advice on, for example, medical facilities or names of medicines in other countries. You will still have access to Virtual Medical care so no matter where you are in the world, you can access qualified and experienced doctors 24/7 to discuss health concerns or get a diagnosis. You can also use this service to get a second opinion on a diagnosis you’ve been given. You can access the Virtual Medical Care app from the App Store or Google Play or by calling them on +44 (0)203 499 0658. |
| What you need to know before you go/what this policy doesn’t cover – Following travel advice AIG are amending their policy wording to read: We won’t pay claims (including assistance) resulting from you travelling or planning to travel to a country against official advice. When we say official advice, we mean that the Foreign, Commonwealth and Development Office has advised against ‘all’ or ‘all but essential’ travel. Please check their website for more information Link opens in a new window. | There’s no change to your cover. AIG is clarifying that it’ll not be able to pay a claim or provide assistance to you if you choose to travel to a country where the Foreign, Commonwealth and Development Office has advised against ‘all’ or ‘all but essential’ travel. |
| Section D: Travel delay or flight cancellations AIG are amending their policy wording to read: This cover only applies if you are delayed due to:
We’ll pay £20 per person for the first 12 hours you’re delayed, and then £10 for each 12-hour delay. We’ll pay up to £300 in total – as long as you still go on your trip. If you’re delayed by more than 24 hours on the outward leg of the journey for one of the reasons above, you can choose to cancel your trip. If you do, we’ll pay up to £5,000 to cover any costs you can’t get back. This includes the costs of travel, accommodation, activities, visas, or any prepaid event tickets. | There's no change to your cover. The wording has been updated to make the reasons why you can choose to cancel your trip clearer (if your travel is delayed for over 24 hours you can choose to cancel if there’s industrial action, bad weather or if the public transport you were travelling on breaks down). |
| Section F: What’s covered – How much we’ll pay AIG are amending their policy wording to read: We’ll also take into account the condition the item was in at the time. The item may be worth less due to its age. | There’s no change to your cover. The wording has been updated to make it clearer that AIG take into account depreciation for wear and tear when settling claims. |
| What this policy doesn’t cover – Illnesses and diseases we don’t cover AIG are amending their policy wording to read: We won’t pay claims, or provide any other services, relating to mental illnesses unless you have told us about it and we have agreed to provide cover. This includes post-traumatic stress disorder, anxiety or any disease of the nervous system. This only applies if you’ve received advice or treatment in the two years before the account holder opened their account, or the trip was booked. | There’s no change to your cover. The wording has been updated to make it clearer that you’ll be covered for the illnesses and diseases listed if you’ve told AIG about them, and they have agreed to provide cover. |
| Cancelling this policy – When the account holder can cancel this policy AIG are amending their policy wording to read: The policy will also be cancelled if the account holder closes their Virgin Money bank account or the AIG insurance benefit is removed from the account. If any upgrades have been bought, these will be cancelled too. Cancelling this policy – When we might cancel this policy We can cancel this policy if you don’t follow the terms and conditions in this document, or if we have another good reason to do so. For example, if the insurance benefit is no longer offered with the bank account. We can also cancel any policy upgrades you’ve bought from us. If we do this, we or Virgin Money will tell the account holder in writing at least 30 days beforehand. We’ll also refund the account holder for any upgrades based on how long they’ve had the upgrade for, unless we’ve paid them a claim. We may pay the refund directly to their account. If Virgin Money closes the bank account, or removes the AIG travel insurance benefit, your travel insurance policy and any upgrades will be cancelled. | There’s no change to your cover. The wording has been updated to make it clearer that upgrades which have been purchased directly with AIG will be cancelled, along with the travel insurance benefits, if the Club M account is closed or the benefit is withdrawn from the account. |
| Activities that are covered From 1 February 2025, AIG will now provide cover for Coasteering – Must be an officially arranged activity and Paddle boarding. | Your cover is changing. From 1 February 2025 you are covered for Coasteering (so long as it is an officially arranged activity) and Paddle boarding. |
Breakdown Cover changes
| What's changing | What it means for you |
|---|---|
| Policy wording – The main features Green Flag are replacing the following policy wording: You’re not covered for a breakdown caused by a fault with your vehicle that Green Flag have told you about before and you haven’t got round to fixing. With: You’re not covered if you continue to drive after Green Flag has told you about any additional faults found at the time of the breakdown and advised you not to drive, as the vehicle might be illegal or dangerous or driving could cause further damage. If you haven’t fixed an additional issue that they found and told you about, you’re not covered for any breakdown that happens as a result. | There's no change to your cover. Green Flag is making it clear that you’ll not have Green Flag cover if your vehicle has faults or issues which you know about and do not fix. |
| Policy wording – Policy definitions The first paragraph under the definition of vehicle is being replaced with the following: The vehicle you tell Green Flag about when you ask for the first call out under this policy and which is owned by the Club M account holder or is on a personal contract hire (PCH) agreement in excess of 12 months duration and in the name of the Club M account holder, and normally kept at home. Or, any vehicle which the Club M account holder (and the joint account holder where applicable) is driving or travelling in at the time of breakdown, provided: | There’s no change to your cover. This additional wording simply clarifies that if you have a PCH agreement in excess of 12 months your vehicle will be eligible for cover. |
| Policy wording – Breakdown cover in the UK, What’s covered Green Flag is adding new wording: Vehicle Recovery – Green Flag may have to take you on your journey in stages. This is because of laws that limit how long each driver can work whilst recovering you. | There’s no change to your cover but this is to explain why Green Flag may not be able to complete a long recovery with your vehicle with just one recovery vehicle. |
| Policy wording – General conditions applying to this policy Green Flag are including wording: Green Flag are not liable for any incident if: (i) you continue to drive the vehicle after they’ve told you about additional faults found at the time of the breakdown; and/or (ii) they’ve advised you not to drive the vehicle because; further damage may be caused by doing so; or the vehicle is dangerous or illegal to drive. If you have not fixed an additional issue that they found and told you about during a previous call out, you’re not covered for any breakdown that happens as a result. | There’s no change to your cover. This is to provide clarity that if you’re told of any additional faults at the time of your breakdown, Green Flag cannot be held liable for anything that happens, if you choose to drive your car when they have told you about the faults. If you’ve been told not to drive your vehicle and you choose to not follow this then Green Flag will not cover you for any breakdown as a result of this. |
Mobile and Gadget Insurance changes
| What's changing | What it means for you |
|---|---|
| What’s covered, Devices that are owned by you or your family – Assurant have included a list of gadgets you have cover for. | There’s no change to your cover. Assurant is making it clearer what gadgets are covered. |
| What’s covered, Unauthorised call charges – Assurant are replacing the following policy wording: If your device is network enabled and is lost or stolen, you’ll be covered for the bills your network charges you. When we say ‘network enabled’ we mean the device can receive calls, texts and data through a SIM card. With: If your device is network enabled and is lost or stolen, you’ll be covered for the unauthorised charges that appear on the bill. When we say ‘network enabled’ we mean the device can receive calls, texts and data through a SIM card. If you are charged by your network for your replacement SIM card, we will repay you. | There’s no change to your cover. The wording has been updated to make it clearer that in the event of your device being lost or stolen, you will be covered for the unauthorised calls on your bill and not the total bill. Assurant will also cover the cost of your replacement SIM if your network provider charges you. |