ABOUT OUR TRAVEL INSURANCE SERVICES

Please find below the terms that apply for customers who are arranging their travel insurance through us with the insurer. ABOUT US Flexicover.net is a trading name of Flexicover Ltd of 109 Elmers End Road, Beckenham, Kent, BR3 4SY, which is authorised and regulated by the Financial Services Authority (FSA) to transact general insurance business. Flexicover’s FSA Registration number is 312900. You can check this information on the FSA’s Register by visiting the FSA’s website at www.fsa.gov.uk/register or by contacting the FSA on 0845 606 1234. OUR TRAVEL INSURANCE PRODUCTS & SERVICE This travel insurance is suitable for those who wish to insure themselves when travelling in respect of medical emergencies, cancellation, losses to possessions/money, personal liability and similar expenses incurred from your travel. We only offer travel insurance products from a single insurer. We do not give advice or make personal recommendations in connection with any travel insurance product. However, we will ask you questions in order to provide you with a quotation, leaving you to make your own decision as to how you wish to proceed and whether this product fulfils your specific insurance requirements. INSURANCE PREMIUMS & FEES When we provide you with a quotation, we will tell you about any fees which may apply in addition to the insurance premium. Upon receipt, the insurance premium is held as agent of the insurer. YOUR DUTY OF DISCLOSURE You are responsible, on an ongoing basis, for providing us and/or your insurers with all material facts relating to the travel cover we arrange on your behalf. Material facts are those which are likely to affect the assessment and acceptance of the risks being insured. Failure to provide full and accurate information may mean that your travel policy is invalid. If you are in any doubt as to what facts might be considered to be material then you should disclose them to us or your insurers. COMPLAINTS PROCEDURE We recognise the importance of service and set ourselves high standards. Should there be an occasion when we do not meet your expectations, we are equally committed to dealing with any complaint in a thorough and professional manner. If you wish to make a complaint please contact us:
In writing, addressed to
Flexicover.net Customer Services,
109 Elmers End Road,
Beckenham,
Kent BR3 4SY
By telephone on 0845 223 4520
By email to complaints@flexicover.co.uk If you cannot settle your complaint with us you may be entitled to refer it to the Financial Ombudsman Service. COMPENSATION We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the FSCS if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Insurance advising and arranging is covered for 100% of the first £2,000 of a claim and 90% of the remainder, without any upper limit. Further details about compensation scheme arrangements are available from the FSCS. YOUR CANCELLATION RIGHTS If your cover does not meet your requirements, please notify us on info@flexicover.co.uk or 0845 223 4520 within 14 days of receiving your policy documents and return all such documents for a refund of your premium. If during this 14 day period you have travelled, made a claim or intend to make a claim, we can recover all costs that you have used for those services. Please be aware that your cancellation rights are no longer valid after this initial 14 day period.