Virgin Money Club M Account

Last verified: 15 Oct 2026

Packaged account at Virgin Money: what the bank's own pages state about the breakdown cover that comes with it, each value with the wording it was read from.

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Field	Value	Evidence
Monthly fee	£14 a month	“A bank account with insurance benefits for a monthly fee of £14.00” Source
On sale to new customers	Yes	“You’re ready to apply for a Club M Account if:” Source
Cover provided by	Green Flag	“Breakdown cover provided by Green Flag, underwritten by U K Insurance Limited.” Source
Cover basis	Personal cover	“Cover whether you're a driver or a passenger” Source
Roadside assistance	Yes	“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.” Source
Home start	Yes	“Breakdown Cover in the UK What’s covered Roadside help, Cover at Home, National Recovery & Onward Travel Green Flag will come out and help you if your vehicle has broken down by the roadside, at your home, or in the place where you usually keep it.” Source
National recovery	Yes	“Breakdown Cover in the UK What’s covered Roadside help, Cover at Home, National Recovery & Onward Travel Green Flag will come out and help you if your vehicle has broken down by the roadside, at your home, or in the place where you usually keep it.” Source
Onward travel	Yes	“Breakdown Cover in the UK What’s covered Roadside help, Cover at Home, National Recovery & Onward Travel Green Flag will come out and help you if your vehicle has broken down by the roadside, at your home, or in the place where you usually keep it.” Source
European cover	Yes	“European Cover - If you breakdown in Europe.” Source
Who is covered	the account holder	“UK and Europe 2 breakdown cover for the account holder” Source
Vehicles covered	driver or a passenger	“Cover whether you're a driver or a passenger” Source
Callout limit	8 call-outs	“Personal Cover - there is a maximum of 8 call outs per 12 month period of cover.” Source
Vehicle age limit	Not stated
Minimum age	Not stated
UK resident required	Yes	“you’re 18 or over and live in the UK” Source
Minimum monthly pay-in	Not stated
Existing customers only	Not stated
Joint account holders covered	Not stated
Other condition	See the bank's wording	“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.” Source

Account page: Open the bank's page
Breakdown cover policy document: Open the policy document

Green Flag

Reference record for the provider the bank's page names. Its own retail product can differ from the cover that comes with an account.

Bank accounts and breakdown cover

Every bank account and account add-on checked, alphabetically by bank.

Virgin Money Club M Account

What the bank's pages state

The bank's documents

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