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Travel Insurance

Current Account Tracker provides all the same features as our Private Current Account  but without travel insurance cover.

Worldwide family multi-trip travel insurance from AIG (American International Group UK Ltd). Covered from the moment you book your holiday to when you return.

Key benefits of the cover

  • You and a partner living with you if you’re both under 75.
  • Up to four dependants under 18 (who are either in full-time education or living with you).
  • 31 days per trip. You can extend your trip cover (up to 45 or 62 days) at an additional cost.
  • Worldwide cover (except Cuba, Iran, Syria, Sudan, North Korea, the Crimea region or anywhere the Foreign, Commonwealth & Development Office advises against all but essential travel).
  • Travel in the UK where two or more nights' accommodation is pre-booked.
  • Emergency medical treatment and cover for the journey home if it’s medically necessary.
  • Travel and accommodation costs you can’t recover if you have to cancel or cut your trip short for one of the reasons in the policy wording.
  • The cost to cover essentials which are lost, damaged or stolen and if your baggage is delayed while you're heading to your destination.
  • Delays or missed departures. Get help with expenses and cancellations caused by natural disasters too.
  • Winter sports, golf equipment, wedding, and business cover as standard.
  • Personal accidents, personal liability and legal expenses – when the unexpected happens.
  • Some medical conditions. We’ll let you know when you apply, if you need to call AIG to be medically screened after answering some questions.

What's not covered

  • Any loss or theft not reported to the police within 24 hours. AIG needs a police crime reference number or evidence of ownership before they can assess a claim.
  • Certain specified items (including bikes, tablets and mobile phones) and certain circumstances (for example: if you leave your item unattended in public).
  • Anything already covered by gadget, mobile, car or home insurance (like bicycles, cars, phones, tablets, lenses).
  • Medical claims relating to pregnancy or childbirth if the pregnancy is over 26 weeks along or medical conditions that AIG has not agreed to cover.
  • Claims related to medical conditions or circumstances you knew about before you went on the trip unless previously notified to and agreed by AIG.
  • Any costs that airlines are responsible for, like food and drinks if there is a long delay, Claims made for sports that aren't covered or if the advised safety gear wasn't used (for example: not wearing a helmet on a bike).
  • Claims arising from quarantine or travel restrictions relating to a current or previous epidemic or pandemic declared by the World Health Organisation or any official governmental body or health authority.

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 Private Travel Insurance Policy Wording Link opens in a new window.

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 Money Helper Link opens in a new window or call 0800 138 7777.

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Upgrade your cover

By paying an additional premium you may be able to upgrade your policy.

Increase trip duration. If you wish to travel on a single trip in excess of 31 days, by paying an additional premium, cover can be included for single trips lasting up to 45 days or 62 days.

For further details call AIG 0330 123 3106, or email virginmoneytravel@AIG.com

Virtual Medical Care – GP Consultancy Services in the UK and abroad

You and your family covered by the policy will get unlimited, round the clock access to medical advice from a GP whether you are abroad or in the UK.

You can contact Virtual Medical Care:

You should use your sort code as your reference/policy number.

Talking nurses – Medical Advice and guidance for travel abroad

Medical advice and guidance from qualified nurses, with doctor support if required for travel abroad.

Call: 0800 975 0463 from within the UK, or +44 (0)20 8481 7789 from outside the UK.

Concierge service – Before and during your trip

A little bit of luxury. Just pick up the phone and someone else can sort transfers, tickets and more. You can use this service both before and during your journey.

To contact the concierge service:

  • By email uk.assistance@aig.com
  • Call 01273 747 613 from within the UK or +44 (0)1273 747 613 from outside the UK
  • Business e.g. secretarial services, hotel conference facilities.
  • Entertainment e.g. ticket reservations, sporting events, sightseeing information.
  • Fine foods and flowers e.g. gift deliveries of champagne and chocolates.
  • Hotels and restaurants e.g. restaurant reservations, hotel referrals.
  • Information e.g. passport and visa information, weather and currency information.
  • Local assistance and referrals e.g. appointments with local services, relay of urgent messages.
  • Travel and transportation e.g. luxury car rental, chauffeurs and transfers, ticket reservations.

To make a travel insurance claim:

If you, or anyone covered by this policy, has a new medical condition* or a change to an existing one, please call AIG 01273 740 975. If you don’t call AIG, you may not be covered for any claims relating to this condition.

Lines are open Monday to Friday 8am - 8pm, and on Saturdays and Bank Holidays 9am - 5pm.

*You can view the questions defining a medical condition on our questions and answers page.

On the 11 March 2020, the World Health Organisation (WHO) declared coronavirus (COVID-19) a pandemic. As of 11 March 2020, coronavirus is therefore considered a ‘foreseen event’, which means certain parts of your travel insurance policy may not apply.

And remember, before you book a trip or travel, check the latest Foreign, Commonwealth & Development Office (FCDO) guidance Link opens in a new window. If the FCDO is advising against all but essential travel to your destination, your travel insurance won’t cover you.

Here’s a summary of what you are and aren’t covered for when it comes to COVID-19. For all the detail, read your Private Travel Insurance Policy Wording Link opens in a new window.

Here’s what you’re covered for

  • You’re covered for cancelling your trip or cutting your trip short if you, or a relative or a person you are travelling with fall ill with COVID-19. This only applies if you had not tested positive for COVID-19 or were not awaiting test results for COVID-19 at the time of booking your trip.
  • You’re covered for emergency medical expenses if you fall ill with COVID-19 while you’re away unless you are travelling against medical advice . This includes cover for reasonable and necessary additional travel expenses to return home to the UK – for you, your partner and up to four dependant children if they’re travelling with you.

Here’s what you’re not covered for

  • You won’t be covered if you’re cancelling your trip because the FCDO is advising against ‘all but essential travel’ to your destination as a result of an epidemic or pandemic such as COVID-19. But you may still have options. Speak to your travel provider (tour operator, accommodation provider, airline, or travel agent) for a refund or to see if they can change your booking. If you paid for any part of your trip with your credit or debit card, check with your card provider to see if you’re entitled to a refund.
  • You won’t be covered for claims due to travel or movement restrictions such as local or national lockdowns, quarantines or any need to self-isolate as a result of the pandemic (unless you are actually ill with COVID-19)
  • Any claims as a result of the insolvency of your airline or travel provider are not covered.
  • Your travel insurance also won’t cover you if you change your mind and decide you do not want to travel.

Need to make a claim?

To make a claim, call AIG on 0330 123 3106 (Monday to Friday between 9am and 5pm) or email virginmoneytravelclaims@aig.com. To make sure things go as smoothly as possible, make sure you have all the right documentation to hand.

When submitting a claim, AIG will ask for:

  • Your original booking, and which parts of it are non-refundable.
  • Cancellation invoices for all parts of your holiday (such as flights, accommodation, car hire).
  • Correspondence and medical records from your doctor or medical practitioner.
  • Evidence of a positive COVID-19 test result (where you are making a claim due to contracting coronavirus).

Remember, travel insurance only covers you for non-refundable costs. Therefore, you should contact your travel provider (tour operator, accommodation provider, airline, or travel agent) in the first instance for a refund. If you paid for any part of your trip with your credit or debit card, you could also check with your provider to see if you’re entitled to a refund.

AIG will consider each claim based on the individual facts and circumstances surrounding the events.

Concerned you might have coronavirus symptoms?

As part of your travel insurance cover, you have access to the Virtual Medical Care service, which can provide you, your partner or dependant children with unlimited, 24/7 access to a GP who can give information and advice.

You can access the Virtual Medical Care service by phoning 0203 499 0658, downloading the Virtual Medical Care App or visiting the website at virtualmedicalcare.co.uk Link opens in a new window. You will need to use your sort code as your reference/policy number.

View our most frequently asked questions

Frequently asked questions about coronavirus

Airport Lounge Access

Airport lounges provide the perfect opportunity to avoid some of the hustle and bustle in an airport and start your trip in style.

Your DragonPass membership gives you access to over 1000 lounges worldwide where you can take advantage of the facilities on offer.

  • Available to all customers who have a named private manager.
  • Benefits include 6 free visits per account holder per year.
  • One airport lounge visit means one entry per person to an airport lounge.
  • Selected lounges can be pre-booked in advance of your arrival.
  • When you register for our new DragonPass app, you will also receive exclusive discounts at airport restaurants, cafes, spas and nail bars to help you unwind before starting your journey.

Wealth referral service

Virgin Money has chosen Origen Financial Services, one of the UK’s largest financial advisory businesses, as our Wealth Referral Partner and can introduce you to an Origen financial advisor if you have any financial planning needs. Origen provide high quality advice to high net worth individual and corporate clients and offer advice on a transparent fee basis. For providing this referral service, Virgin Money will receive a percentage of the advice fee charged by Origen.

Origen Services include:

  • Investment planning
  • Investing for children
  • Family protection in the event of illness and medical expenses
  • Planning for complex and sensitive family situations
  • Specialist advice and counselling for senior executives, partners and owner managers
  • Pre-retirement planning, including tax efficient pension and investment advice
  • At retirement advice, including advice on annuities and drawdown
  • Estate planning including
  • Inheritance Tax advice and trusts

Help doing business

Our customers can benefit from access to local networking events and discussion forums as well as the use of meeting facilities at our business and private banking centres. Subject to availability.

Priceless London and Priceless Cities programme

Private customers who have a Clydesdale Bank Mastercard® can take advantage of the Priceless London and Priceless Cities programmes* offered by Mastercard for art, dining, luxury and entertainment experiences. Details at www.pricelesslondon.co.uk Link opens in a new window.

*excludes access to World Elite Mastercard offers

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Asset Finance

Whether you would like to buy a car, or make any other capital purchase, an experienced Asset Finance specialist can provide you with competitive and convenient solutions that can be tailored to suit your situation and cash flow. Subject to status.

Foreign Exchange Solutions

  • Foreign Exchange Solutions can help you plan ahead, particularly if some of your transactions are overseas. Your Private Manager can help you with access to experts and solutions which can reduce your financial exposure to currency fluctuations.
  • Subject to status and eligibility. Please be aware that this may stop you - either in part or full - benefiting from any favourable changes in the underlying market.

Private Mortgages

As a Private Banking customer, we offer you an exclusive residential mortgage range. Your Private Manager will discuss your options and put you in touch with an expert adviser. At all times, these professionals will act with your best interests at heart and work with you to find the product most suited to your needs from our range. We offer a varied range of residential mortgages and Investment Housing Loans.

Applicants must be aged 18 or over. All loans are subject to status. Security will be required.

View details on our exclusive range Link opens in a new window