About Us



Flexicover Limited is a wholly owned subsidiary of Citybond Holdings Plc, who have been trading for 25 years and together insure in excess of 2,000,000 passengers a year.

As one of the UK's leading direct sell travel insurance providers we take great pride in our service and reputation.

We promise to sell you the best insurance cover for your needs and, should you need to make a claim, to ensure that this is dealt with quickly, fairly and efficiently.

We are Authorised & Regulated by the Financial Services Authority. Click Here for further details.

Flexicover.net is a trading name of Flexicover Limited.



Our Company values and Mission Statement

We aspire to be the best travel insurance provider in the UK, and will make it our purpose to consistently remain at the top.

Our Mission: We will apply ourselves to achieve our vision in a number of ways. We will:
  • Place our customers at the centre of all our actions. We will remain focused on building customer relationships and loyalty through a culture of service orientation. We will make available a comprehensive range of travel insurance products, tailored for a broad spectrum of age groups, and delivered by all available channels.
  • Value innovation highly. Our passion for it will enable us to be at the sharp end of modern management methods and technologies. This will ensure that we have the best tools and communication channels for our customers, clients and other agencies, based in the UK and throughout Europe.
  • Develop a sense of pride, ownership and responsiveness across all levels of the Company. This will reflect in our dealings with customers, suppliers and fellow employees.
  • Always espouse the culture of team-work and be receptive to forces of change in all spheres of work with a management style that will be open and fair.

Whilst remaining focused on our customers, suppliers and employees, we will be aware of our responsibility towards the community, and contribute to our local social and economic environment. We will maintain a profile at an industry level by our presence at, and participation in, the major travel insurance industry events.

We will not lose sight of our vision that we will be the leader in our field.



Board of Directors

Ian Reynolds
Non-Executive Chairman

Ian is responsible for corporate governance in the Citybond Group. Prior to joining he held the position of Chief Executive at ABTA where he spent 11 years. Ian has a wealth of commercial experience, having previously worked for IBM and a number of other companies at board level.

Email: IanR@citybond.co.uk



Mansukh Ganatra, FCCA
Managing Director

Mansukh founded Citybond in 1984 and has overall responsibilty for the smooth running of the Company. A Chartered Certified Accountant, Mansukh previously worked with KPMG, the City Accountants, before joining Intasun Ltd (Tour Operators) in 1979 as Group Financial Controller, making a significant contribution to their growth until 1982.

Email: MansukhG@citybond.co.uk



Anil Kumar, FCA
Group Finance Director

Anil has the overall responsibilty for Customer Services – UK and Mumbai, Finance, IT and HR. A Chartered Accountant, Anil comes with the City of London background and was a Senior Auditor with KPMG in the mid-1970s, after which he acquired extensive experience in the mining industry in Central and Southern Africa.

Email: AnilK@citybond.co.uk



Greg Lawson, BsC (Hons)
Corporate Broking Director

Greg joined Citybond as Corporate Broking Director from Lloyds brokers Butcher, Robinson & Staples Ltd and is responsible for all broking, quality control and FSA compliance issues within the Company. His underwriting and technical knowledge contributed immensely to the installation of in-house medical screening.

Email: GregL@citybond.co.uk



Satish Ganatra
Administration Director

Satish joined Citybond in 1984 as a General Insurance Broker, having previously owned and operated retail businesses. A founder Director of the Company, previously IBRC registered, Satish has overall responsibility for Credit Control and Office Management and has been instrumental in managing the best part of 2,000 agents to the Company’s online agency facility.

Email: SatishG@citybond.co.uk
The Flexicover Team



We're here to safeguard your travelling needs! And because we only sell online, we're able to offer you the best prices in the market. When you buy from flexicover.net, you do so secure in the knowledge that you are buying from a leading reputable UK travel insurance provider.




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