M&S Club Rewards with insurance

We are not currently accepting new members for M&S Club Rewards with insurance.

Visit our dedicated page to find the latest M&S Travel Insurance Covid-19 information and FAQs

If you’re an existing customer and have any queries about your membership of M&S Club Rewards with insurance, please get in touch on 0345 900 0900 – we’ll be glad to help. Alternatively, use our virtual assistant located on the right hand side of this page.

If you would like to cancel your travel insurance policy please complete the online form (link opens in a new tab). Please note, this must be completed by the main cardholder.
M&S Club Rewards Transfer/Closure form (link opens in a new tab)

Benefits of M&S Club Rewards with insurance

Fee - £25 per month*

  • 3 points per £1 spent in M&S – instore and online using your M&S Credit Card
  • 3 points per £1 spent abroad on purchases made in the local currency using your M&S Credit Card (fees apply)
  • 3 x £15 Clothing & Home Voucher
  • 32 hot drink vouchers
  • £20 Christmas Clothing & Home Voucher
  • Birthday Treat (£12 M&S food voucher)
  • Next day delivery on M&S.com at no extra cost (exclusions apply, see fact sheet for details)
  • Premium Club Travel Insurance – a worldwide multi-trip family travel insurance policy up to age 80. M&S Premium Club travel insurance is underwritten by Aviva Insurance Limited.

* M&S Club Rewards is also available without insurance for £10 a month.

For full details of M&S Club Rewards benefits, view our fact sheet.

Collecting M&S points

Because you can collect M&S points every time you shop with your M&S Credit Card, your rewards can quickly add up. Find out more about how M&S rewards you.

Your M&S points will be converted into vouchers and sent to you by post 4 times a year. M&S reward vouchers are valid for 15 months, so you can spend them straightaway or save them until later – the choice is yours.

Adding up your points

  • Online – by signing in to Internet Banking
  • On your monthly credit card statement
  • On your M&S till receipt (when you make a purchase with your M&S Credit Card)

M&S Club Rewards with insurance is £25 per month for existing customers. Customers can choose to remove their travel insurance cover from their M&S Club Rewards membership and still receive all of the other benefits, treats and delights and their monthly fee will change to £10 per month.

If you do this, you will have 14 days to change your mind, after this, you will not be able to reinstate the travel insurance at a later date.

If you have any questions regarding your M&S Club Rewards membership, or to request a copy of your insurance terms and conditions, please call 0345 900 0900.

Travel insurance – claims

Please have your policy number to hand when you call.

If your claim does not require urgent medical attention you can make a claim online. Please have the following information ready before you start your online claim:

  • Your personal details, plus anyone else claiming on this policy.
  • Details about your trip, for example, date of travel and airline (if it’s relevant).
  • Your bank account details so that we can settle your claims as soon as a decision is made.  

You can also make a claim if you do not require urgent medical attention by calling 0800 051 2619 or +44 (0)160 360 3042 if you’re calling from abroad.

Lines are open 24 hours a day, 365 days a year

For emergency medical assistance 24 hours a day, 7 days a week, please call: 0800 051 3483 or +44 (0)160 360 3371 if you’re calling from abroad.

If you need to prove you have travel insurance you can ask Aviva for confirmation of cover

Important documents

M&S Club Rewards with insurance Terms(PDF document)(opens in a new window)

M&S Club Rewards with insurance Factsheet(PDF document)(opens in a new window)

Travel insurance comparison sheet(PDF document)(opens in a new window)

Travel Insurance Policy document(PDF document)(opens in a new window)(PDF document)(opens in a new window)

IPID(PDF document)(opens in a new window)(PDF document)(opens in a new window)

M&S Loyalty terms and Conditions(PDF document)(opens in a new window)(PDF document)(opens in a new window)

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