M&S Club Rewards with Insurance is closing on 26 March 2026
Following a recent review we have made the decision to withdraw the travel insurance benefit, which is underwritten by Aviva Insurance Limited (‘Aviva’), from Club Rewards subscriptions. This means existing travel insurance policies will end on 26 March 2026. Please be assured that the rest of the Club Rewards benefits will continue.
Please note, cover will still be in place for any trips that begin on or before 26 March 2026 for the duration of the trip. Provided that the trip lasts no more than 45 days (or 31 days in total in any calendar year for winter sports).1
Do I need to do anything?
Yes. If required, you will need to find alternative travel insurance cover for any trips which begin from 27 March 2026.
Club Rewards with Travel Insurance subscription
Your subscription will automatically change to Club Rewards on 27 March 2026, meaning your travel insurance will end so you do not need to do anything. You’ll continue to receive a quarterly Club Rewards pack containing your M&S Fashion, Home and Beauty vouchers, as well as M&S Food and hot drink vouchers. Plus a birthday treat voucher and 2 extra Rewards points for every £1 you spend when shopping in M&S.
Alternatively, you can downgrade or cancel your Club Rewards subscription at any time by either: completing an online form or calling us on 0345 900 0900, lines are open 8am-8pm*.
If you cancel your Club Rewards subscription before 26 March 2026, any medical upgrade policy will end at the same time.
What happens if I have a medical upgrade?
- If your existing medical upgrade expires before the 26 March 2026, you will not receive a renewal notice to extend the upgrade.
• If your existing medical upgrade expires after the 26 March 2026, or if you take out an annual medical upgrade, this will automatically end on 26 March 2026 and a refund for any remaining months will be issued to the card used for payment. Aviva will contact you separately to confirm they have cancelled your medical upgrade.
Any planned trips that start prior to 26 March 2026 will still include the medical upgrade cover. If you are unsure when your existing upgrade expires, please check your upgrade schedule.
Where can I find alternative cover?
If you’re looking to find alternative travel insurance, you can get free impartial advice from the British Insurance Brokers’ Association (BIBA) which links you to an insurance broker who can do the shopping around for you for many types of insurance. Visit their website or you can call them on 0370 950 1790. Lines are open 9am – 5.30pm Monday to Friday. Alternatively, you can find many types of insurance by searching online or via price comparison websites.
Important documents
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FAQs
1 Journeys beginning and ending in the UK that last no more than 45 days (or 31 days in total in any calendar year for winter sports) that are either:
a. holidays outside the UK; or
b. a business trip; or
c. holidays within the UK, which include two or more consecutive nights’ stay in pre-booked accommodation or have prepaid flights or ferry crossings.
UK, business trip, and pre-booked accommodation as defined within the policy and subject to your policy terms and conditions. For example: pre-booked accommodation - a commercially run premises where a fee is charged which has been booked prior to the start of your trip, including a pre-booked tent or caravan pitch, but not including properties run by friends or family.