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The CMB Gold Personal and Business cards offer a robust suite of travel and lifestyle insurance benefits designed to give you confidence and peace of mind wherever you go. Whether travelling for business or leisure, you can relax knowing that you and your trip are well protected.

Travel and Lifestyle Insurance Cover

The CMB Gold Personal and Business cards come with a comprehensive suite of insurance cover when you use them to pay for travel arrangements, including Winter Sports cover and excellent Collision Damage Waiver, so that you can relax and enjoy your trip.

Important note from the Policy document:

Cardholders with a pre-existing medical condition or over the age of 75 are subject to exclusions on some Sections including Medical Assistance and Cancellation cover. It is important to read and understand the full policy document.

How do I use the travel cover?

It’s really simple - just pay for your “trip” (see definition below) using your Card and you’re covered.  

Let’s go through the definition of a ‘trip’ according to the terms of the cover –

“Trip” shall mean a journey by a Public Vehicle outside the Beneficiary’s Country of Residence, which has been paid for in full in advance on a Card.  

The Trip:

(a) must commence and end in the Cardholder’s Country of Residence; or

(b) in respect of a journey within the Cardholder’s Country of Residence, must include:

(i) a flight; or

(ii) at least one night of pre-booked accommodation more than fifty (50) kilometres away from home and paid on a Card.  

Each Trip must not exceed ninety (90) consecutive days, with a maximum of one hundred and eighty (180) days during each twelve (12) month period.

Public Vehicle = airplane, ferry, train, coach, bus etc.

Cardholder’s / Beneficiary’s Country of Residence = where you live

Card = your CMB Monaco card

Basically, if you use your card to pay an airline or ferry company direct for flights or crossings to go on a trip, then you are covered; if you use your card to book a package holiday with a tour operator to go on a trip, you are covered; if you are taking a holiday with friends and sharing the accommodation cost, or staying with friends or family in the UK or elsewhere and you use your card to pay for your flights or ferry, train or bus etc., to go on the trip, you are covered.

Who is Covered?

“Beneficiary” shall mean: (i) Cardholders and their Families; and (ii) Supplementary Cardholders and their Families.

“Family” or “Families” shall mean the Cardholder’s partner or spouse living at the same address as the Cardholder and the Cardholder’s Children.  

“Children” or “Child” shall mean any of the Cardholder’s children travelling with the Cardholder (including step-children, fostered or adopted children) under the age of 22 on the first day of a Trip, who are resident with the Cardholder for the majority of the year prior to the Trip, financially dependent on the Cardholder and not in full time employment.

Making a Claim

You can provide these contact details if a caller request help with raising a claim.

Medical Claims as an In-Patient

For medical losses which will involve admission to a hospital as an in-patient and the cost is estimated to exceed GBP 1,000, the Beneficiary must contact the Assistance Company on the telephone number below. All costs must be approved in advance by the Assistance Company.

The Assistance Company is Northcott Global Solutions Ltd 16 Berkeley Street Mayfair London W1J 8DZ United Kingdom

Telephone number: +44 207 183 8910

Email: ops@northcottglobalsolutions.com

Please be ready to provide the Card number, which should be used as a reference number.

Medical Claims as an Outpatient and Non-Medical Claims

For medical losses which do not require admission as an in-patient (for example GP visits, medication or x-rays) the Beneficiary should settle these costs directly and apply for reimbursement when they return to their Country of Residence. The Beneficiary should contact Broadspire who are the claims handler by email at creditcardclaims@crawco.eu in order to submit a claim.

Need further assistance? 

For any request, please contact the number on the back of your card.
Our Client Support number is +44 (0) 207 166 4000.