Terms of Business with our travel insurance services

Online Travel Insurance Services Limited

Registered Office
Unit 2055
2nd Floor
WeWork Offices
1 Primrose Street
London
EC2A 2EX

 

1. The Financial Conduct Authority (FCA)

The FCA is the independent watchdog that regulates financial services. It requires us to give you this document. Use this information to decide if our services are right for you.

 

2. Whose products do we offer?

We offer products from a limited number of insurers for travel and travel related insurance products.

 

3. Which service will we provide you with?

BoxWe will advise and make a recommendation for you after we have assessed your needs for breakdown insurance.
Box CrossedYou will not receive advice or recommendations from us for breakdown insurance. We may ask some questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed.

 

4. What will you have to pay us for our services?

BoxA fee
Box CrossedNo fee

You will receive a quotation which will tell you about any other fees relating to a particular insurance policy.

 

5. Your duty of disclosure

Your breakdown insurance is based upon the information you provided to the insurance company and you must ensure that all such information is complete and accurate, and that any facts that may influence the insurer’s decision to accept the policy and what terms are applied must be disclosed.

Failure to disclose material information may invalidate your insurance and could mean that part, or all, of a claim may not be paid.

 

6. Protecting your information

All personal information about you will be treated as private and confidential (even when you are no longer a customer), except where the disclosure is made at your request or with your consent in relation to administering your insurance, and except where law requires us.

Some or all of the information you supply to us in connection with your insurance proposal may be passed to insurance and other companies for underwriting, claims and premium collection purposes. Your data will be held in accordance with the Data Protection Act 1998, under which you have a right of access to see personal information about you that is held in our records, whether electronically or manually. If you have any queries, please write to The Managing Director at the above address.

 

7. Protecting your money

Prior to your premium being forwarded to the insurer, and for your protection, we either hold your money as an agent of the insurer (in which case your policy is treated as being paid for), or we hold it in a client bank account on trust for you.

 

8. How to claim

Please refer to your policy summary or your policy document if you need to notify a claim. You should contact the insurer direct as soon as possible using the contact details provided. If in doubt about whom you should contact, please contact us on 08434 590 879.

 

9. Who regulates us?

Online Travel Insurance Sevices is authorised and regulated by the Financial Conduct Authority. Registration number is 480416.

You can check this on the Financial Conduct Authority's Register by visiting the Financial Conduct Authority's website www.fca.org.uk

 

10. Ownership

Online Travel Insurance Services Limited.

 

11. What to do if you have a complaint

It is our intention to provide a high level of service at all times. However if you have reason to make a complaint about our service you should contact The Managing Director at the above address or ring 08434 590 879. You may be entitled to refer the matter subsequently to the Financial Ombudsman Service. You can contact the Financial Ombudsman Service by telephone on 0845 080 1800 and further information is available at http://www.financial-ombudsman.org.uk/

If you do decide to refer any matter to the Financial Ombudsman Service your legal rights will not be affected.

 

12. Compensation arrangements

We are covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the scheme 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 and 90% of the remainder of the claim, without any upper limit. For compulsory classes of insurance, insurance advising and arranging is covered for 100% of the claim, without any upper limit. Further information about compensation scheme arrangements is available from the FSCS on 020 7892 7300 or by visiting http://www.fscs.org.uk/

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Terms & Conditions:

14 day Money Back Guarantee
Your policy has a 14 day cooling off period from the date of purchase. During this time you can cancel the policy and receive a full refund by simply returning your policy certificate. You may take advantage of this guarantee if no claim is being made or is pending and as long as travel has not been started. Refunds will be returned within 7 working days of the cancellation.

How OTIS handle your Payment
In selling this European breakdown insurance, OTIS will take your payment via a secure payment provider. We will hold your policy premium on behalf of insurers. Once we have received your premium you are eligible for cover.

How to claim
Please refer to your policy summary or your policy document if you need to make a claim. You should contact the specified claims handlers as soon as possible.

Demands and Needs Statement
This insurance will suit the Demands and Needs of an individual wishing to insure themselves against unforeseen costs following a breakdown of a vehicle. Subject to terms, conditions and maximum specified claim limit. Please ensure that you read the policy wording to ensure that the policy will supply you with a sufficient level of cover.

Documentation you will receive from us
Once you have successfully completed your purchase you will be sent an email confirming the details of your purchase together with your policy certificate. If you selected to receive your documentation by post, this will be sent to you within 1-2 working days.

Your Right To Cancel
We hope you are happy with the cover this policy provides. However, if upon reflection this, insurance does not meet your requirements, please return it to us within fourteen days of issue and we will refund your policy premium. You are not eligible for a refund if your policy has already begun or if you intend to make a claim under the policy. For short term trips of less than 30 days in duration an adminstration fee of up to £10 will be charged for cancellations made within the 14 day cooling off period.

Confidentiality
All personal information about you will be treated as private and confidential except where the disclosure is made at your request, with your consent, in relation to arranging your insurance or where we are required to by law.

Some or all of the information you supply to us in connection with your insurance proposal will be held on computer and may be passed to insurance and/or other companies for underwriting and claims purposes.

Under the Data Protection Act 1998 you have a right of access to see personal information about you that is held in our records, whether electronically or manually.

Your Duty to Give Information to Insurers

Your insurance is based upon the information provided to the insurance company and you must ensure that all such information is complete and accurate, and that any facts that may influence the insurer’s decision to accept the risk or the terms offered have been disclosed. The duty to disclose information continues during the life of the policy, and at renewal you must make sure you inform your insurer of any changes affecting your insurance. Your policy must be purchased prior to your trip commencing, and must originate from within the United Kingdom.

You are responsible for all answers or statements on proposal forms, claim forms or other material documents and you should ensure these are full and accurate. Failure to disclose material information at the start of the policy or advise the insurer of changes to the risk during the period of insurance may invalidate your insurance cover and could mean that part, or all, of a claim may not be paid.

IMPORTANT - This policy will have been sold to you on a non-advised basis and it is therefore for you to read this information (paying particular attention to the terms and conditions and exclusions) and ensure that it meets all of your requirements. you may already possess alternative insurance(s) for some or all of the features and benefits provided by this product; it is your responsibility to investigate this. If upon reading this policy you find it does not meet all of your requirements, please refer to the relevant cooling off/policy cancellation section.



PLEASE ENSURE THAT YOU HAVE READ YOUR POLICY WORDINGS CAREFULLY. FAILURE TO COMPLY WITH THE TERMS AND CONDITIONS OF THE POLICY MAY RESULT IN COVER BEING RESTRICTED.

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