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Terms & Conditions. This site is Owned an operated by Insure Pay. Cheap4travelinsurance is a trading style of Insure Pay. InsurePay is authorised and regulated by the Financial Services Association. Our Firms reference number is 315384, and can be checked by clicking here. Delivery of your policy. In order to keep our overheads low, and your prices cheap, we do not post policies to you. The 'Confirmation of Travel Insurance' is created online, with a link to the relevant policy wording. A separate email is also sent to your inbox, which links directly to your Policy. We strongly recommend that you travel with your policy. You should take a print of your policy certificate, and the Policy Wording. Pricing. All policies quoted on this website include the 17.5% Insurance Premium Tax. The price you see, is the price you pay. All prices are quoted in Pounds Sterling. Security. All online payments are debitted by 'InsurePay'. Insurepay uses industry standard 128-bit SSL encryption, to ensure your credit card details are hidden from view. InsurePay does not store your credit card details. They are only held for the duration of the transaction. We do not hold your card details on file. InsurePay passes your payment details to Protx & Barclays Merchant Services, who authorise, or decline your payment. Protx and Barclays Merchant Services also use SSL encryption for all transactions Amendments. We do not accept responsibility for mistakes made by the user, when purchasing online. It is the User's resposibilty to check all details prior to making payment. However we are happy to make minor amendments free of charge, provided the amendment is within 14 days of original issue. You will need to contact us by email, or by telephone. Cancellation. Your policy has a 14-day cooling off period during which you can cancel the policy and get a refund if you are dissatisfied with the cover it provides. The refund will be returned within 7 working days. You will need to call us with your policy number. Privacy Policy. We are committed to protecting our clients privacy. We do not send you unsolicited emails, and neither do we pass your details onto 'carefully selected third parties'. If you have purchased an Annual policy, we will send you a renewal reminder, when the policy is about to expire. ABI (Association of British Insurers) Under the Association of British Insurers General Business Code of Practice, we must draw your attention to IMPORTANT INFORMATION related to your certificate including: Certificate Wording: you should read the document carefully. It gives you full details of what is and is not covered and the conditions of the cover. Cover will vary from certificate to certificate and insurer to insurer. Conditions, Exclusions & Warranties: conditions and exclusions will apply to individual sections of your certificate while general exclusions and conditions will apply to the whole of your certificate. Health: We can insure you providing that You and any persons on whom the travel depends are in good health and do not suffer from any ongoing pre-existing condition. Property Claims: these claims are paid based on the value of the goods at the time you lose them and not on a "new for old" or replacement cost basis, unless otherwise stated in your certificate. Certificate Limits: most sections of your certificate have limits on the amount the insurer will pay under that section. Some sections also include other specific limits, for example: for any one item or for valuables in total. You are advised to check your certificate if you intend taking expensive items with you. Excesses: under most sections of the certificate, claims will be subject to an excess. This means that you will be responsible for paying the first part of the claim. The amount you have to pay is the excess. Reasonable Care: you need to take all reasonable care to protect yourself and your property. Complaints: your insurance certificate will have in it a complaints procedure which tells you what steps you can take if you wish to make a complaint. 'Cooling Off' Period: your certificate may contain a "cooling off" period during which you can return the certificate and get a refund, if you have justifiable reason for being dissatisfied with the cover it provides. Your insurance documentation will identify your insurer, and underwriter. If you would like more information, please e-mail us, particularly if you feel the insurance may not meet your needs. <<<< PLEASE MAKE SURE YOU READ YOUR CERTIFICATE CAREFULLY. FAILURE TO COMPLY WITH THE TERMS OF THE POLICY MAY RESULT IN YOUR COVER BEING RESTRICTED >>>> Single trip travel insurance / Annual multitrip travel insurance / Long stay travel insurance / Ski snowboarding cover / Cheap Travel insurance / |
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 This site is owned and operated by InsurePay. |