Club M Account Insurance Information

Travel insurance

Worldwide family multi-trip travel insurance from AIG. You’re covered from the moment you book your holiday to when you return.

Key features of the cover

31 days’ worldwide cover per trip (view exceptions)Except travel in, through or to Cuba, Iran, Syria, North Korea, the Crimea region, or the Donetsk People’s Republic (DNR) or Luhansk People’s Republic (LNR) regions of Ukraine or anywhere the Foreign, Commonwealth & Development Office advises against all but essential travel
Cover for you and a partner living with you if you're both under 75. There's also cover for up to four dependants under 18 (either in full time education or living with you)
Emergency medical treatment (including if you fall ill with coronavirus while you’re away). And cover for the journey home, if it’s medically necessary
Lost, damaged or stolen items. And if your baggage is delayed, your essentials will be paid for to tide you over
Cover for travel in the UK where two or more nights' accommodation is booked
Delays or missed departures
Winter sports as standard

The cover provided is subject to certain conditions, exclusions and policy limits. Some pre-existing medical conditions are covered and some may be covered by paying an additional premium. It is important you read the full details before applying. You can view our Club M Account Insurance policy wording and Insurance Product Information Document.

Coronavirus travel cover

You're covered for cancelling or cutting short your trip if you fall ill with coronavirus as long as you didn't know you had it and weren't being tested for it when you booked your trip. But you won't be covered for claims relating to quarantine or travel restrictions due to coronavirus or any other epidemic/pandemic. No claims are covered if you travel abroad against FCDO advice.

View coronavirus travel insurance update

Travel insurance extras

Virtual medical care: You, your partner and any dependant children will get unlimited, round the clock access to medical advice from a GP
Talking nurses: A telephone-based service available to all Club M Account customers travelling abroad. Get access to medical advice and guidance from qualified nurses, with doctor support if required.
Concierge service: A little bit of luxury. Just pick up the phone and someone else can sort transfers, tickets and more while you're on the road

View all concierge services

Medical Cover Directory

Access to cover for customers with existing medical conditions

If AIG are unable to provide cover for your medical conditions, MoneyHelper has introduced a directory of travel insurance firms which can help consumers with existing medical conditions access travel insurance that covers their conditions. For example, this might include how you can get cover for a condition that may be currently excluded on your policy or where you are paying an additional premium to cover your medical condition(s).

If you would like further information, please visit MoneyHelper Link opens in a new window or call 0800 138 7777

Breakdown cover

Breakdown cover from Green Flag gets you back on the road if you breakdown at your home or at the roadside whether in the UK or Europe.Andorra, Austria, Balearics, Belgium, Bulgaria, Canary Isles, Channel Islands, Corsica, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece, Hungary, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Monaco, Netherlands, Norway, Poland, Portugal, Republic of Ireland, Romania, San Marino, Sardinia, Sicily, Slovakia, Slovenia, Spain, Sweden, Switzerland, Turkey in Europe, plus Üsküdar If it can’t be fixed, we can provide alternative options.

Key features of the cover

Covers the account holders named
No call out charges
Green Flag will help you wherever you break down in the UK and Europe.Andorra, Austria, Balearics, Belgium, Bulgaria, Canary Isles, Channel Islands, Corsica, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece, Hungary, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Monaco, Netherlands, Norway, Poland, Portugal, Republic of Ireland, Romania, San Marino, Sardinia, Sicily, Slovakia, Slovenia, Spain, Sweden, Switzerland, Turkey in Europe, plus Üsküdar
Covered whether you're a driver or passenger, as long as the vehicle you're in at the time is privately registered and used in the UK (Personal cover is not available in Europe.Andorra, Austria, Balearics, Belgium, Bulgaria, Canary Isles, Channel Islands, Corsica, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Gibraltar, Greece, Hungary, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Monaco, Netherlands, Norway, Poland, Portugal, Republic of Ireland, Romania, San Marino, Sardinia, Sicily, Slovakia, Slovenia, Spain, Sweden, Switzerland, Turkey in Europe, plus Üsküdar)
If your vehicle runs out of charge, Green Flag will recover you to the nearest charging point

The cover provided is subject to certain conditions and exclusions. It is important you read the full details before applying, you can view our Club M Account Insurance policy wording and Insurance Product Information Document.

Mobile and gadget insurance

Mobile and gadget insurance from Assurant for items like mobiles, laptops, tablets and cameras. If your tech is lost, stolen, damaged, or breaks down, they’ll aim to repair or replace with the same or similar model.

Key features of the cover

Worldwide cover against loss, theft, damage and breakdown (including faults)
Your family’s mobiles and gadgets are covered too. This could be a partner, spouse or any other relative living at the same address as you
Cover for mobile and gadgets where the price you paid is up to a maximum amount of £2,000 per device, including VAT
Up to two mobile and up to two gadget claims in a 12-month period
For each successful claim, there is an excess of £75 for mobiles, £50 for laptops and tablets, and £25 for all other gadgets.
Gadgets are covered until they're five years old (from date of purchase)

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Upgrade your existing account

If you already have a current account with us you might be able to upgrade to a Club M Account. Give us a call to discuss your options. If you want to open a second current account with us, you can apply directly online now.

0800 678 3654

Mon-Fri 8am-6pm and Sat 9am-1pm

Frequently asked questions

Do I need to activate my insurance benefits?

No, you don’t need to activate any of your insurance benefits but there are some actions you should take.

Travel Insurance - If you or anyone insured on this policy have any pre-existing medical conditions, you may need to inform AIG, as these may affect your travel insurance cover. You will not be covered for any claims related to any of these pre-existing medical conditions unless AIG agrees to cover them. You can contact them on 01273 740 983.

Breakdown - You should download the Green Flag app. The app allows the Green Flag technician to pinpoint your location in the UK using GPS. You can also track your technician’s arrival. Visit Green Flag Link opens in a new window for more info. Please note this is not available to use if you breakdown in Europe, instead call +44 345 878 5425.

Mobile phone and Gadget - You don’t need to register your mobile phone or gadgets to be covered but it can simplify the claims process if you do. You can register your mobile you’ll need the make, model, IMEI number and the telephone number. For gadgets you’ll need make, model, serial number, purchase date & price.

I no longer want to pay the monthly fee; how do I turn off my insurance benefits?

If you choose to, you can turn off your insurance benefits. When you turn off your benefits, you’ll lose all your cover. The benefits can either be turned on or turned off, but they cannot be individually selected. During this time, you won’t pay your monthly fee for maintaining the account. You can go through eligibility again and turn on your insurance benefits in the future.

Which account has your name on it?

This isn't the only current account we can offer you. To help you decide if it's the one for you, see how it stacks up against the others.

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[1] AER (Annual Equivalent Rate) illustrates what the interest rate would be if interest was paid and compounded once each year. Gross rate interest payable without taking account of any tax payable. Credit interest is calculated daily on the cleared credit balance in your account.

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