From 31 December 2026 and 1 February 2027, 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 (valid from 1 February 2027) Link opens in a new window
- (PDF, 2,338KB)
Breakdown cover changes
Change effective from 31 December 2026
| Page number | What's changing | What it means for you |
|---|---|---|
| Throughout Section 3 | Your breakdown cover, which is provided by Green Flag and underwritten by U K Insurance Limited, is subject to a proposed legal transfer of insurance business to Aviva Insurance Limited. From 31 December 2026, the underwriter of your breakdown cover will be Aviva Insurance Limited. Following the change of U K Insurance Limited to Aviva Insurance Limited as the underwriter of Club M Account Breakdown cover, Aviva Insurance Limited will be a data controller for your personal data. Please see the privacy policy for information about how your personal data may be used at brandsprivacypolicy.co.uk/policy Link opens in a new window | You’ll see this change to the underwriter in your breakdown cover policy wording. This does not affect your cover and there is no change to the Green Flag brand. Also, there’s no change to the phone numbers, email and postal addresses for you to use. |
Worldwide* Family Multi-Trip Travel Insurance changes
Changes effective from 1 February 2027
*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.
| Page number | What's changing | What it means for you |
|---|---|---|
| Throughout Section 2 | Travel Guard are making changes to the contact details you need to use to contact them. | Please make sure you know how to contact Travel Guard if you need to. You can find all contact details in the Club M Account insurance Policy Wording and our website at virginmoney.com/club-m-benefits |
| Throughout Section 2 | Travel Guard have extended cover to now include dependent children under 23 who aren’t married or in a civil partnership and are still in full-time education. Children on this policy can travel without the account holder, as long as they travel with a relative, guardian or other person who is legally responsible for them. For example, a teacher or a nanny. This doesn’t include travelling with a group of friends or a partner, even if they’re over 18. | This is an increase in cover. |
| Page 13 | Under How long your trips can last, Travel Guard have added wording to make it clear that if you upgrade your policy to cover trips up to 45 or 62 days, this won’t apply to Section S - Business cover. | No change to the cover, just to make the wording clearer |
| Page 16 | New wording added under Giving us the facts. | The wording added is to let you know Travel Guard may inform the police, other financial services, and anti-fraud databases if you don’t tell them the truth, mislead Travel Guard or exaggerate a claim. |
| Page 16 | New wording added under Claims where you haven’t taken care. | You need to act with care and take reasonable steps to avoid injury, illness, loss, theft, or damage. |
| Page 17 | New wording added under Information we need to handle your claim. | If you have another insurance policy covering the same loss, damage, expense, or liability, Travel Guard will not pay more than their proportional share. |
| Page 21 | Under Section B1: If you get sick or injured outside the UK, Isle of Man or Channel Islands, Travel Guard will now pay £50 for every 24 hours you stay in hospital abroad overnight, up to £1,000 in total. | This is an increase in cover. |
| Page 26 | Under Section F: If your belongings or luggage are lost, stolen or damaged, additional wording has been added on what Travel Guard need from you when making a claim for lost or stolen items. | No change to the cover, just to make it clearer what you need to provide to Travel Guard. |
| Page 27 | Under Section G: If your luggage is delayed, Travel Guard will now pay up to £150 if your luggage is delayed for more than four hours on your outward journey on an international trip. They’ll only cover essential items you buy while waiting for your luggage to arrive. | This is an increase in cover. |
| Page 27 (Section F: If your belongings or luggage are lost, stolen or damaged) and Page 39 (Section R: Wedding cover) | Under What’s not covered, Travel Guard have included more items within your cover. | You are now covered for glasses and sunglasses should these be lost, stolen or damaged. |
| Page 28 | Under Section H: If your money, passports, or travel documents are lost or damaged, Travel Guard will now pay up to £300 to replace your documents. | This in an increase in cover. |
| Page 29 | Under Section I: If you’re injured, disabled or die after an accident, Travel Guard will cover you if you die within 12 months of an accident. They’ll now pay up to £15,000 for the account holder or their spouse or partner up to 64 years old. For children (up to 23, unmarried and in full-time education) and the account holder or their spouse or partner over 64, the most they’ll now pay is £7,500. | This in an increase in cover. |
| Page 41 | Under Illnesses and diseases we don’t cover, the wording has been changed to refer to pre-existing mental health conditions and has been updated with amended terminology. | This has been changed to make clear this means mental health conditions you already had before travelling. The new wording also explains when a condition counts as existing. |
| Page 42 | Under Vehicles and racing, the wording has been updated to show that Travel Guard won’t pay claims that result from you riding a quad bike as a driver or passenger. | You no longer have cover. |
| Page 46 and Page 47 | Under Activities that are covered,the wording has been updated to make it clear that using quad bikes when Safari Trekking or Dune and wadi bashing is not covered. | You no longer have cover for these activities on quad bikes. |
Breakdown Cover changes
Changes effective from 1 February 2027
| Page number | What's changing | What it means for you |
|---|---|---|
| Page 51 | Green Flag has made a change to The main features wording. If you put the wrong fuel in your vehicle whilst in Europe, it will be treated the same as if you had done this in the UK. | Green Flag will recover you, your vehicle and your passengers to the nearest repair centre to where the misfuelling happened. There is no cover for drainage and disposal of the contaminated fuel. That remains the same. |
| Page 55 | Under Breakdown Cover in the UK, What’s covered, Green Flag have updated wording under Emergency Driver. If the driver is not able to drive due to sudden and unexpected death or illness, requiring medical attention, and none of the passengers are authorised to drive, Green Flag will get you all to one destination you’ve chosen anywhere in the UK. Green Flag may ask to see a medical certificate or evidence. | The wording makes clear the circumstances Green Flag will get you and any passengers to your destination. |
| Page 55 | Under Breakdown in the UK, What isn’t covered, wording has been added to exclude fitting of parts by the roadside, not supplied by Green Flag. | This makes clear that Green Flag wouldn’t use parts that haven’t been supplied by them if they were to attempt to fix the vehicle by the roadside. |
| Page 55 | Under Breakdown in the UK, What isn’t covered, Green Flag have updated wording on recovery if you are having medical treatment. | The wording added is to make it clearer that they won’t recover your vehicle from a medical facility if you’ve been in for treatment and were advised beforehand not to drive your vehicle afterwards. |
| Page 56 | Under Breakdown cover in Europe, What isn’t covered, new wording has been added to exclude any costs that you are able to claim back from elsewhere (such as a travel insurance policy). | If you can claim through another insurance policy you may have, you cannot claim for the same thing under this cover. |
| Page 58 | Under Breakdown cover in Europe, What’s covered, Green Flag have increased the per person daily amount from £45 to £55. | This is an increase to the cover provided where Green Flag are putting you and your passengers up in a local hotel while you wait for repairs to be done to your vehicle. |
| Page 58 | Under Breakdown cover in Europe, What’s covered, Green Flag have removed cover for Camping Trips. | This benefit provided cover if your tent was damaged or stolen during a camping trip, including the cost of replacement tent hire or alternative accommodation. It has been removed to ensure the benefits remain focused on supporting you when your vehicle breaks down. |
Mobile and Gadget Insurance changes
Changes effective from 1 February 2027
| Page number | What's changing | What it means for you |
|---|---|---|
| Page 69 | Under Registering your Devices, Assurant have added wording to confirm that device locking/locator services must be activated to ensure you can see where your device is and lock it from another device. | The terms are being updated to make you aware that locator/locking services must be activated or your claim may not be accepted. |
| Page 73 | Under What’s covered, Assurant have updated wording to confirm that you must log an accessory claim at the same time as your device claim. | This is already part of Assurant’s claims journey, you cannot proceed with your claim without answering yes or no regarding an accessory. |
| Page 73 | Under What’s covered, Assurant have updated wording to confirm that any claim accepted for accessories may be replaced with refurbished accessories. | If your claim for an accessory is accepted Assurant don’t offer ‘new for old’ cover. |
| Page 74 | Under What’s not covered, Assurant have added a new exclusion. If you paid more than £250 for your accessory it cannot be covered under the insurance. | The amount of cover has not changed; this wording is being added to make it clearer. |
| Page 74 | Under What’s not covered, Assurant have added a new exclusion. You must have locking/locator services activated i.e Apple’s Find My or Android’s Find My Device to make a claim for loss or theft. | The terms are being updated to make it clear that essential security features like locking and location services should be on and used if your device is lost or stolen. |
| Page 83 | Under Fraud, Assurant have updated the wording to confirm that if you are engaged in or reasonably suspected of fraud your claim may be rejected. | Assurant have strengthened their fraud prevention wording to make it clear that claims may be rejected if you are engaged in or reasonably suspected of fraudulent activity. They may also share relevant information with Virgin Money to help prevent fraud. |
| Page 83 | Under Fraud, Assurant have updated the wording to confirm that if false, inaccurate information or documentation is given then Assurant can take a number of steps for fraud prevention. | Assurant have updated the wording to make it clear that if false information or documents are provided the claim will be rejected and further actions may be taken. |