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Terms & Conditions

This web site and the insurance products and services offered within are intended for use and purchase by residents of the United Kingdom or companies and organisations registered in the United Kingdom.

All insurance products and services offered in this web site are subject to individual terms and conditions that are readily available for inspection before a purchase is made. You should refer to the terms and conditions relating to a product or service before undertaking a purchase. TIF retain the right to modify these terms and conditions when necessary so you should review them each time you use this web site.

TIF offers a wide range of travel insurance products and travel insurance related services for sale on this web site. You are entirely responsible for deciding whether or not to purchase any of these products or services. Whilst this web site will often offer advice on travel insurance matters it does not seek to advise you on which particular products and services to purchase. If you are in doubt as to whether a travel insurance product or service offered for purchase on this web site is suitable for your needs or specific requirements please contact us prior to making a purchase. Contact details can be found on the contact us page.

TIF reserve the right to modify the content or format of this web site at any time. TIF also reserves the right to change the information on this page if necessary. Please read the contents of this page each time you view this web site. TIF does not guarantee the availability of this site nor does it guarantee that the code which constitutes this web site or the material contained within it will operate either fully or in part on any specific computer equipment or in any specific software. There are no elements within this web site that alter any of the configuration or other settings on any machinery used to view the site. TIF accepts no liability whatsoever for any damage, either temporary or permanent, occurring to either electronic equipment or software that might occur whilst using this site as any such damage will be deemed to be coincidental. Any information contained within the technical support pages on this web site is for reference purposes only and TIF advises against any individual attempting to service, repair or reconfigure electronic equipment or computer software based on the content of these technical pages unless they are fully qualified to do so.

OUR WEB SITE

This web site, in its entirety, is the property of Travel Insurance Facilities Plc or any of its trading divisions as stated (referred to as ‘TIF’) and is protected by the copyright laws of the United Kingdom. All company names, logos and trade marks included in this web site are the property of TIF or have been made available to TIF with the prior consent of the respective owners.

This web site must not be used for any reason other than the purposes of purchasing, obtaining a quotation for or obtaining information about the insurance products and services offered.

You must not copy, reuse or distribute, attempt to sell, hire or rent or use in any way other than previously defined the material contained in this web site without the written permission of TIF or the stated owner of that material. This applies to both private and commercial use. You must not attempt to imply ownership of or association with the material contained in this web site. You may not provide links to this web site from external sources or include this web site in part or in whole within an external web site without first obtaining written permission to do so from TIF.

You may print out copies of the pages in this web site for private use only but must not change or edit in any way the format or content of such printed material. You must not remove any copyright or trade mark information from material printed from this web site.

EXCHANGE OF INFORMATION

We exchange personal information with other approved organisations for underwriting and fraud prevention purposes and we may provide such information to others where required or permitted by law.

We and other companies within TIF will use and analyse your personal information for the following purposes:-
managing and administering products and services that are supplied. In the case of insurance products this will include underwriting reinsurance and claims handling purposes and this may include disclosing it to other insurers, reinsurers, regulatory authorities or to our agents who provide services on our behalf;
considering any applications for products you may make and to help in making credit-related decisions about you where appropriate;

– servicing other relationships you may have within TIF;
– financial risk assessment, money laundering checks, compliance and regulatory reporting and fraud prevention;
assisting in making decisions on insurance proposals, other products and any claim made by you, members of your household, and others connected with your insurance proposals and claims; and
– helping TIF to understand and develop new and innovative products and services

Your personal information will only be disclosed to third parties outside of TIF if:-
– it is necessary for the performance of your agreement with us; or
– you have given your consent; or
– such disclosure is required or permitted by law; or
we are entitled to transfer rights and/or obligations as provided under the terms of any policy you may purchase; or
any such third party provides benefits or services to you under or in connection with our agreement with you; or
it is a credit reference agency or fraud prevention agency; and

any such third party has agreed to keep your personal information strictly confidential and use it for the purpose for which we provide it to them.

In future the way in which your personal information is viewed, recorded and used may change. In most cases these changes will result from enhancements in technology. Where we believe the changes may be to your disadvantage, we will give you at least 30 days notice of them by posting notice of such an amendment on this website. If you continue to use a product or service for a further 30 days after notification, we will consider that you have consented to that change (unless you write to us to inform us otherwise).

FRAUD PREVENTION

In order to prevent fraud we may at any time:-
– share personal information about you across the TIF Group and with other insurers or financial institutions;
– check your details with fraud prevention agencies. If you give us false or inaccurate information and we suspect fraud, we will record this and pass this information to fraud prevention agencies.

We and other organisations may also search and use fraud prevention and credit reference agency records to:-
– help make decisions in connection to insurance proposals, insurance claims and other products for you and members of your household;
– trace debtors, recover debt, prevent fraud and to manage your insurance policies;

PERSONAL INFORMATION FOR THE PURPOSE OF MARKETING

Unless you have informed us to the contrary, personal information held maybe used by TIF to carry out research and to inform you by letter, telephone or email of other products TIF believe may interest you.

We may also contact you by e-mail or other electronic media to notify you of other products we believe may interest you. We shall only do so however if you have provided your consent to such contact. If you are contacted by such means in future we shall on each occasion ensure you will always be given the option to opt out of any further such communication.

If you have provided your contact information to us and would prefer not to receive marketing information or to participate in research, simply tell us next time you call.

REPRESENTATION BY OTHER PEOPLE

At the request of many of our insurance policyholders and to make the managing your policy more convenient, it is our policy to deal with a policyholder’s spouse or partner (if named on the policy where applicable) who calls on behalf.

If you would like someone else to be able to deal with your policy for you on a regular basis please let us know. In some exceptional circumstances we may also deal with other people who call us on your behalf. If at any time you would prefer us to deal only with you, please call to let us know.

Please note that we will not reveal any credit or debit card numbers that we hold to anyone other than the policyholder.

DATA PROTECTION AND DATA TRANSFER

There are no devices or items contained within the code of this site that extract information from your computer other than information required to make a connection and transfer web site content between your computer and the TIF host server. TIF will from time to time analyse the number and nature of connections made between external sources and the TIF host server specifically for traffic analysis reporting. None of this information will contain any personal or private information relating to you other that the IP address used to make the connection with our host server and the type of browser used to view the web site.

When requesting quotes, purchasing insurance products and services, engaging in online contact or registering on our database all items of information requested will be clearly and unambiguously labeled and will be submitted securely to our host server. Where we are legally obliged to provide information to official bodies such as the Police, the Courts or other insurance companies investigating potentially fraudulent claims your details will be passed on, without notice to you.

SENSITIVE INFORMATION

In order to provide you with some of our products we may need to process sensitive information (such as information about health such as physical or mental health information) about you and others who may be a party to the product or service purchased. We will not use sensitive personal data about you or others except for the specific purpose for which you provide it and to provide the services described in your policy. Please ensure that you only provide us with sensitive information about other people with their agreement.

CALL RECORDING

We record telephone calls for monitoring and training purposes and to assist us in preventing and detecting fraud.
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Single Trip travel insurance
  • Competitive prices
  • No age restrictions
  • Most medical conditions covered
  • Save money with variable cover
Get a single trip travel insurance quoteMore information
Longstay travel insurance
  • Cost effective cover
  • Travel up to a year at a time
  • Most medical conditions covered
  • Suitable for working abroad
Get a Longstay travel insurance quoteMore information
Annual multi trip travel insurance
  • No limit on the number of trips
  • Travel up to 31 days at a time
  • Couple and family discounts
  • Available to everyone under 75
Get an annual multi-trip travel insurance quoteMore information
Cruise travel insurance
  • Competitive cruise insurance
  • Specialist cruise cover
  • Most medical conditions covered
  • Cancellation cover up to £10,000
Get a cruise travel insurance quoteMore information
Wintersports travel insurance
  • Full winter sports insurance
  • Skiing and snowboarding insurance
  • Most medical conditions covered
  • Includeson and off piste closure
Get a wintersports travel insurance quoteMore information
Backpacker travel insurance
  • Save on single trip prices
  • Allows trips up to a year
  • Most medical conditions covered
  • Suitable for working abroad
Get a backpacking travel insurance quote More information
Activity travel insurance

If you are planning on any activity whilst on your holiday, we cover many activities
as standard, however please check our activity list. If required you can add an activity pack for an additional fee.

Activity listMore information