Monzo Max: what insurance is included?
Last checked against Monzo's policy documents on 27 October 2026
The short answer
Monzo Max costs from £19 a month, with a 3-month minimum term. It includes worldwide travel insurance from Zurich (powered by Qover), worldwide phone insurance from Assurant and UK and Europe breakdown cover from the RAC. A family add-on (£4 a month) extends all three to your partner and children.
Travel cover is for trips of under 45 days, with medical cover up to £10 million, cancellation up to £5,000 and winter sports. You or your partner must be 70 or under, and you must be 69 or under to open Max.
Phone cover is for phones worth up to £2,000, with a £75 excess and up to 2 claims in any 12 months (4 with the family add-on).
What Monzo Max covers
| Cover | Who is covered | Key limits |
|---|---|---|
| Travel (Zurich, powered by Qover) | You. With the family add-on, your spouse or partner and financially dependent children aged 19 or under (21 or under in full-time education), named on the policy. You or your partner must be 70 or under. | Worldwide, trips under 45 days. Medical expenses up to £10 million. Cancellation up to £5,000. Luggage and valuables up to £750. Car hire excess up to £3,000. £50 excess. |
| Winter sports (Zurich) | As for travel. | Outside the UK only. Equipment and equipment hire up to £750. Ski pack up to £500. Piste closure up to £500. Avalanche or landslide closure up to £500. £50 excess. Off-piste only with a guide. |
| Phone (Assurant) | Your own phone. With the family add-on, your partner and dependent children under 20 (under 22 in full-time education). | Worldwide loss, theft and accidental damage, including cracked screens. Phones worth up to £2,000 including VAT. Accessories up to £300 per claim. £75 excess. 2 claims in any 12 months (4 with the family add-on). |
| Breakdown (RAC) | You, as driver or passenger in any valid vehicle: the cover follows you, not the car. With the family add-on, your partner and dependent children at the same address. | UK roadside, at home (within a quarter of a mile), national recovery and onward travel (a hire car for up to 2 days). Europe: 3 claims in each 12 months. |
Where people get caught out
- Pre-existing medical conditions aren't covered. The travel policy excludes claims arising from them.
- The age limit is 70. Once you reach 71, cover only continues until the next anniversary of your Max plan.
- Trips of 45 days or more aren't covered.
- Family members must be named on the policy, and you need the £4 family add-on for anyone other than you.
- Skiing in the UK. Winter sports cover only applies outside the UK, and ski equipment over 5 years old or left unattended isn't covered.
- Scratches and dents on your phone aren't covered, and a same-day replacement phone costs a £50 fee on top of the £75 excess.
- New accounts. You need to have held Max for 24 hours before claiming for onward travel or breakdown in Europe.
Could you be paying twice?
If you have Monzo Max, check whether you also pay for any of these.
- A separate annual travel policy, or travel cover on a credit card or another bank account.
- Phone insurance from your network or a retailer, for a phone Max already covers.
- Separate breakdown cover, or a breakdown add-on on your car insurance.
- Car hire excess insurance, when Max includes car hire excess cover up to £3,000.
Compare limits and excesses before cancelling anything: a separate policy may give you more cover than Max does.
Related guides
Common questions
- Does Monzo Max include travel insurance?
- Yes. Max includes worldwide multi-trip travel insurance from Zurich for trips of under 45 days. Your partner and children are covered if you add the family add-on.
- Does Monzo Max cover pre-existing medical conditions?
- No. The travel policy excludes claims arising from pre-existing medical conditions.
- Does Monzo Max travel insurance cover skiing?
- Yes, outside the UK. Equipment and hire are covered up to £750, and piste closure and ski pack up to £500 each. Off-piste is only covered with a guide.
- What is the age limit on Monzo Max travel insurance?
- You or your partner must be 70 or under, and you must be 69 or under to open Max.
- Is Monzo Max breakdown cover for my car or for me?
- For you. It is personal cover, so you are covered in any valid vehicle as a driver or passenger.
- How much does Monzo Max cost?
- Monzo lists Max from £19 a month, with a 3-month minimum term. The family add-on is £4 a month more. Check the current price on Monzo's website, as fees change.