Club M Account existing customers

The monthly fee for maintaining your Club M account is £14.00 per month. Check your Club M Account tariff Link opens in a new window for more information.

No, when you open your Club M account or turn on your insurance benefits, 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 Travel Guard, as these may affect your travel insurance cover. You can contact them on 01273 740 983.

You should contact Travel Guard if:

1. Have you or anyone insured on this policy received medical advice, treatment or medication for any of the conditions below?
   1. Heart or circulatory conditions. For example, heart failure, angina and valve disease.
   2. Cerebrovascular conditions, such as strokes or any type of aneurysms. This doesn’t include having high or low blood pressure or cholesterol.
   3. Any respiratory conditions related to smoking. Respiratory conditions affect your breathing, such as emphysema or COPD.
   4. Any birth defects or genetic conditions that have resulted in a physical disability.
   5. Cancer.
   6. Organ transplants.
2. In the last 12 months have you or anyone insured on the policy:
   1. Been referred to see a specialist, or been added to a waiting list to see one?
   2. Been referred to or visited a hospital for any tests or treatments? This includes if you’re on the waiting list to visit a hospital.
   3. Seen a medical practitioner more than once for the same condition?
   4. Been prescribed two or more medications?
   5. Changed any medication you’ve been taking?

You will not be covered for any claims related to any of these pre-existing medical conditions unless Travel Guard agrees to cover them.

Breakdown - You should download the Green Flag app. The app uses GPS to take the stress out of you needing to know exactly where you are. The app allows the GF technician to pinpoint your location and you can track your technician’s arrival. Visit https://www.greenflag.com/apps 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 phones 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.

Worldwide Family Multi Trip Travel insurance is provided by Zurich Insurance Company Ltd through Cover-More Insurance Services Ltd (trading as Travel Guard).

Green Flag Breakdown Cover is provided by Green Flag and underwritten by U K Insurance Limited.

Mobile phone and gadget insurance are provided by Assurant General Insurance Limited.

Exclusions apply.

Your insurance cover starts the moment you open your Club M Account.

However, with the Club M Account, you can turn off and on your insurance benefits. When you turn back on your insurance benefits, your cover will start once you receive an email confirmation from us letting you know your insurance benefits are on. It will take up to three working days for you to be covered after submitting the form and you will receive an email confirming it is on. Check out our FAQ below for more information.

If you choose to, you can turn off your insurance benefits by completing this form to turn off insurance benefits. You can also access this form in the app. Tap ‘Club M Insurance on’, click More, Account services and then Insurance benefits.

Remember…

• Before submitting the form, you should chat this through with everyone covered by the insurance benefits, so they know
• If this is a joint account, you must have agreement from the other account holder
• Once you've submitted the form, we'll aim to turn off your benefits within three working days
• We’ll send you an email to confirm when your insurance benefits are off
• Once your insurance benefits are off, you'll no longer have insurance cover for you and anyone else on your policy
• You won’t pay the monthly fee for maintaining the account while your insurance benefits are off. As your fee is paid at the end of the month for the previous months’ insurance use, you may be charged in the month after your insurance benefits are off

Pocket the full package and turn on your insurance benefits. You can also do this in the app. Tap ‘Club M Insurance off’, click More, Account services and then Insurance benefits.

Remember…

• Before submitting the form, you should chat this through with everyone covered by the insurance benefits, so they know
• If this is a joint account, you must have agreement from the other account holder
• We’ll take you through each insurance again to explain the benefits as well as checking to see if you’re eligible
• Your insurance cover will start when you receive an email confirmation from us letting you know the insurance benefits are on
• We aim to turn the insurance benefits on within three working days
• Once you turn on the insurance benefits, you'll need to pay the monthly fee for maintaining the account

Yes, you will no longer have insurance cover when you turn off your insurance benefits.

Please remember this applies to all future claims while your insurance benefits are turned off e.g. if you have a holiday booked and turn off your insurance benefits then you will not be covered if the holiday is cancelled.

You won’t pay a monthly fee for maintaining the account while your insurance benefits are off. When you turn off your insurance benefits you will lose the cover for you and anyone else on your policy. Please chat this through with everyone on the policy before you turn it off.

Yes, you can turn off your insurance benefits if you’ve got a claim in progress.

The insurance benefits linked to the Club M Account are part of a package which is a benefit for Club M Account holders. You can turn on or off all of the insurance benefits, but they cannot be individually selected.

If you’ve turned your insurance benefits off or on you should receive an email with a reference number. If you haven’t received this;

• Check your junk folder as the email might be there.
• Check the email you provided matches the account.

If you’ve received the email with the reference number but you haven’t received the confirmation of a change to your insurance benefits;

• Check the status of your insurance in the app. Your account name will be ‘Club M Insurance on’ or ‘Club M Insurance off’.
• Check it hasn’t been less than three days. It can take three working days to process the change. Working days are Monday to Friday. If you submit over a Bank Holiday it may take longer than the three days.
• If it’s been more than three working days give us a call on 0800 121 7365. To help us locate your request it’s best to have your reference number to hand. If you don’t have a reference number that’s ok too, we’ll do our best to help.