Virgin Money Club M: what insurance is included?
Last checked against Virgin Money's policy documents on 27 October 2026
The short answer
Virgin Money Club M costs £14 a month and includes three insurance benefits: worldwide family multi-trip travel insurance from Zurich (arranged by Cover-More, trading as Travel Guard), worldwide family mobile phone and gadget insurance from Assurant, and UK and Europe breakdown cover from Green Flag.
Travel cover is for trips of up to 31 days, including winter sports for up to 17 days a year, for you, your partner and up to four dependent children under 18. Adults must be under 75. Phones, laptops, tablets and other gadgets are covered up to £2,000 each.
The insurance only applies once it has been turned on for your account, so check it is active before you rely on it.
What Club M covers
| Cover | Who is covered | Key limits |
|---|---|---|
| Travel (Zurich, arranged by Cover-More) | You, your husband, wife or partner, and up to four dependent children under 18 (including fostered and adopted children). Adults must be under 75 and live at the same address. | Worldwide, trips up to 31 days (45 or 62 days with a paid upgrade). Medical expenses up to £10 million outside the UK. Cancellation up to £5,000 (£2,000 for UK trips). Belongings up to £1,500 (£300 for a single item, £500 for valuables and electronics). £50 excess on most sections. |
| Winter sports (Zurich) | As for travel. | Up to 17 days in total each year. Equipment up to £500. Equipment hire £30 a day, up to £300. Ski pass up to £250. Piste closure £30 a day, up to £300. Avalanche up to £250. Off-piste covered except where the resort says it is unsafe. |
| Mobile phone and gadgets (Assurant) | Phones and gadgets owned by you or your family members. | Loss, theft and accidental damage, worldwide. Up to £2,000 per device, including VAT. Accessories up to £250. Two successful claims for phones and two for other gadgets in any 12 months. Excess £75 for phones, £50 for laptops and tablets, £25 for other gadgets. |
| Breakdown (Green Flag) | Your own vehicle, whoever is driving it with your permission, in the UK and Europe. Any other vehicle you are driving or travelling in, in the UK only. | Roadside help and help at home. Cars, light vans, motorhomes and motorbikes that are privately registered in the UK. |
Where people get caught out
- The insurance must be turned on. Virgin Money says the benefits only apply to Club M customers who have turned their insurance on.
- Winter sports days. Skiing is covered for up to 17 days in total each year, not per trip. Two week-long trips use it up. Some of the winter sports cover only applies between 1 December and 15 April in the Northern Hemisphere.
- Turning 75. Every adult on the policy must be under 75.
- Trips longer than 31 days need a paid upgrade (45 or 62 days) before you go.
- Pre-existing medical conditions. Some are covered and others need a paid upgrade, so call the medical screening line before you travel.
- UK trips have lower limits. Cancellation is capped at £2,000 and belongings at £500 for trips within the UK.
- Breakdown in Europe only covers your own vehicle. In someone else's car you are only covered in the UK.
- Living abroad. You need to have lived in the UK, Isle of Man or Channel Islands for 6 of the last 12 months, and stay there for 6 out of every 12 months, to stay covered.
Could you be paying twice?
If you have Club M with the insurance turned on, check whether you also pay for any of these.
- A separate annual travel policy, or travel cover that comes with a credit card or another bank account.
- Phone, laptop or tablet insurance from your network, a retailer or a gadget insurer. Club M covers gadgets up to £2,000 each, as well as phones.
- Separate breakdown cover, or a breakdown add-on on your car insurance.
Compare limits and excesses before cancelling anything: a separate policy may give you more cover than Club M does.
Related guides
- Winter sports coverIs winter sports cover included with my bank account or card?
- Nationwide FlexPlusDoes Nationwide FlexPlus include travel insurance?
- Lloyds PlatinumWhat insurance comes with Lloyds Platinum?
- Halifax Ultimate RewardHalifax Ultimate Reward: what insurance is included?
- NatWest Reward PlatinumNatWest Reward Platinum: what insurance is included?
Common questions
- Does Virgin Money Club M include travel insurance?
- Yes. It includes worldwide family multi-trip travel insurance from Zurich for trips of up to 31 days, once the insurance has been turned on for your account.
- Does Virgin Money Club M travel insurance cover skiing?
- Yes, for up to 17 days in total each year. Equipment is covered up to £500 and piste closure up to £300. Off-piste is covered except where the resort says it is unsafe.
- What is the age limit on Virgin Money Club M travel insurance?
- All adults on the policy must be under 75. Children are covered up to their 18th birthday.
- Does Club M cover laptops and tablets?
- Yes. The gadget insurance covers devices owned by you or your family up to £2,000 each, with a £50 excess for laptops and tablets.
- Is Club M breakdown cover for my car or for me?
- Both, in different places. Your own vehicle is covered in the UK and Europe whoever is driving it with your permission. Any other vehicle you are driving or travelling in is covered in the UK only.
- How much does Virgin Money Club M cost?
- Virgin Money lists the fee at £14 a month. Check the current fee on Virgin Money's website, as packaged account fees change.