From 1 February 2026, 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.
The monthly fee for maintaining your account will increase from £12.50 to £14.00
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 2026) Link opens in a new window
- (PDF, 1,975KB)
- Insurance Product Information Document (effective from 1 February 2026) Link opens in a new window
- (PDF, 212KB)
- Club M Account Tariff Link opens in a new window
- (PDF, 1,975KB)
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 |
|---|---|
| On 1 February 2026, your travel insurance provider is changing from American International Group UK Limited (AIG UK) to Zurich Insurance Company Ltd (Zurich) acting through its agent Cover-More Insurance Services Ltd (Cover-More), trading as Travel Guard. Virgin Money is a trading name of Clydesdale Bank PLC. This insurance is now arranged by Clydesdale Bank through Travel Guard. | You’ll see this change to your travel insurance provider throughout your insurance policy wording. We’ve called out all the important changes to your travel insurance in this table. There have been other changes made but they’ve been to simplify the wording and haven’t changed the travel cover you receive. Claims, medical assistance, and concierge services will continue to be handled by Travel Guard EMEA Limited (Travel Guard EMEA) on Cover-More and Zurich’s behalf. There’s no change to the phone numbers you currently use but there are changes to the email and postal addresses for you to use, to contact Travel Guard. |
| If you have an existing upgrade this will not be affected by the change in insurance provider, and you’ll continue to receive cover under the AIG upgrade until its expiry date. You’ll be contacted by Travel Guard before the renewal date of your upgrade cover to see if you’d like to purchase a new upgrade with Travel Guard. | There’s nothing for you to do right now. Prior to your renewal date you’ll need to, depending on the upgrade cover you have, re-screen your medical condition, renew your extended trip or renew your business cover. |
| On 1 February 2026, the email addresses and website links you may have used to contact AIG are changing to reflect the change to Travel Guard. You can find the new details on page 9 of your insurance policy wording. | You continue to have the option to either phone or email Travel Guard if you need to ask a question, make a claim or complaint or if you need emergency help. Don’t worry, if you use the old email addresses by mistake, Travel Guard will still get your email. |
| Along with changes to the email addresses you need to use to contact Travel Guard, there are also changes to the postal addresses to use for claims. You can find all new postal addresses on page 17 of your insurance policy wording. | You continue to have the option to write to Travel Guard along with phoning or emailing. |
| From 1 February 2026, you’ll no longer have access to the Virtual Medical Care benefit. | You won’t be able to use the Virtual Medical Care benefit to discuss health concerns or get a diagnosis, but you’ll still have access to the emergency assistance helpline 24/7. So no matter where you are in the world, you can get help if you’re ill, injured or die abroad. |
| If you die during your trip, Travel Guard will now either pay up to £10,000 to bring your body or ashes home, or up to £4,000 for your burial or cremation abroad. You can find details on page 21 of your insurance policy wording. | The limits for this cover have increased |
| Under Manual Labour cover on page 42, Travel Guard will no longer pay claims relating to fruit picking by hand. | You can no longer make a claim relating to fruit picking by hand. |
| Travel Guard has updated the Privacy Statement. | You can find the new wording on page 45 of your insurance policy wording. |
Breakdown Cover changes
| What's changing | What it means for you |
|---|---|
| Green Flag have made a change to the Definition of Vehicle. The definition can be found on page 52 of your insurance policy wording. | The change is to be clearer on what vehicles are eligible for cover under this policy. Green Flag have updated the definition to ensure that it’s clear that the main vehicle used by the account holder and registered to their home address is eligible to be covered. |
| As well as the change to the definition of vehicle, Green Flag have updated the General Exclusions and Important Info – What you’ve got to do on page 61. Green Flag will check the vehicle meets its legal requirements and driving laws that apply at the time of any breakdown. | This is to clarify that when you call for help, Green Flag will check the vehicle meets its legal requirements and driving laws that apply at the time of any breakdown. |
| Green Flag have changed the term ‘mechanic’ to ‘technician’, throughout the policy wording. | There’s no change to your cover. The change in wording is to call out that it may not always be a qualified mechanic who responds when you ask for help with your breakdown. It may be, for example, where it’s just for a recovery, that it’s a technician that arrives to recover the vehicle. |
| On page 55, Breakdown Cover in the UK – Vehicle Collection, the wording has been changed to Green Flag’s chosen repairer from the repairer Green Flag has recommended. | There’s no change to your cover; the change is purely to ensure that it’s clear that Green Flag are not recommending one garage over another. The garage will be Green Flag’s choice. |
Mobile and Gadget Insurance changes
| What's changing | What it means for you |
|---|---|
| Registering your Devices You’ll need the following information when registering: Mobile Phones: Make, Model, IMEI Number, Telephone Number Gadgets: Make, Model, Serial Number, Date bought & Price For Mobile Phones, we may ask for proof or contact the network directly to verify that it was being used after the start date of this policy. If we can’t confirm the mobile phone was being used, we may decline your claim. | There’s no change to your cover. The wording has been updated to make it clearer that in the event of making a claim, Assurant may ask for additional documentation to support it. |