Terms of Business
Please read this document carefully and query anything that is unclear. This is an important document as it sets out our Terms and Conditions.
About Our Company
Totally Insured Travel Limited is an appointed representative of Totally Insured Group Limited which is authorised and regulated by the Financial Services Authority. Our permitted activities cover general and non-investment insurance contracts. Our FSA Registration number is 314003. 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 address
4a Abbey Walk, Church Street, Romsey Hampshire SO51 8JQ
Our Products and Services
We only offer travel insurance policies from Professional Travel Insurance Company Limited. We are authorised to issue policy documentation and/or certificates on its behalf.
Demands and Needs
You have decided to purchase this insurance product as you are concerned that if you were to experience a significant delay as a direct result of a terrorist/security alert on either your outbound or inbound part of your trip, that delay could cause a financial loss which you wish to cover.
After checking with your existing travel policy (if you have one) the benefits covered by this SDI policy are not covered by your existing policy or they may be excluded by clause or exclusion.
This is why you are purchasing the Security Delay Insurance (SDI).
Cancellation Right
You may have a right to cancel up to 14 days from the date you receive the policy document directly from the website. Cancellation rights are also confirmed in the policy schedule. Should you decide to exercise this cancellation right you will be entitled to a refund of premium provided that you have not commenced your trip. If this cancellation right is not exercised within the 14 day period as stated above, no amount of the premium paid will be refunded. To exercise the cancellation right, you must return your insurance documentation to Totally Insured Travel Limited and follow their further instructions.
Fees and Charges
Unless we tell you otherwise when you take out or renew a policy with us we make no charges in addition to the insurer’s premium.
Methods of Payment
We accept payments by debit or credit card.
Handling Client and Insurer Money
We collect and hold money as agent of the insurer.
Quotations
Unless stated otherwise, all quotations provided for new insurances are valid for 31 days from date of issue.
Client Confidentiality
All information provided by our customers is treated as confidential and only disclosed in the normal course of negotiating, arranging, and administering your insurance. This may include disclosing information to agents and service providers such as loss adjustors and approved contractors. With a few exceptions, for example information requested by a court, a regulatory body, or information that is already in the public domain, we will not release information to any other party without your consent.
We are registered under the Data Protection Act 1998 and undertake to comply with the Act in all our dealings with personal data.
Termination of Terms of Business
This Terms of Business Agreement will remain in force until such time as it is either terminated by either party, or until you or we request that the Terms of Business Agreement be amended. Should you wish to terminate the Terms of Business Agreement, this can be notified to us in writing at any time. Should we wish to terminate the Terms of Business Agreement, this will be notified to you in writing and may be issued without notice. If at the time of cancellation we are engaged in an incomplete transaction, we reserve the right not to complete the transaction and if appropriate, return to you all documentation in relation to that transaction.
Other Documents that form part of this Terms of Business Agreement
The other document issued to you that also forms part of our Terms of Business Agreement with you is set out in our Initial Discussion Document.
Documentation
Our aim is to produce documentation and correspondence in a clear and understandable format. In the event of any uncertainty we would ask you to let us know immediately. Our staff are always happy to clarify the cover provided. You should check all policy documentation to ensure that the details are correct and the cover provided meets with your requirements. Any errors should be notified to us immediately. We recommend that you keep policy documents for as long as a claim is possible under the policy.
Making a Claim
In the event you need to make a claim you should firstly check the relevant section of you policy to see if you are covered, and check what documentation is required to make a claim. When returning home, contact the Claims Service to request a claim form. You will need to quote your insurance schedule number.
Complaints Procedure
We recognise the importance of service and set ourselves high standards. Should there be an occasion when Totally Insured Travel do not meet your expectations we are equally committed to dealing with any complaint in a thorough and professional manner. If you wish to register a complaint regarding the sale of your insurance, please contact us in the following way:
In Writing
The Complaints Officer
Totally Insured Travel Ltd
4a Abbey Walk
Church Street
Romsey
Hampshire SO51 8JQ
Tel: 0870 240 8892
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. 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. Further details about the compensation scheme arrangements are available from the FSCS.
Law and Jurisdiction
These Terms of Business shall be governed by and construed in accordance with English Law. In relation to any legal action or proceedings arising out of or in connection with these Terms of Business Totally Insured Travel Ltd and you irrevocably submit to the non-exclusive jurisdiction of the English courts.