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Terms and Conditions

These are the terms and conditions which apply to your use of this website. Please read them carefully. By proceeding with access to this website you are deemed to have accepted these terms and conditions. We reserve the right to vary the conditions of use at any time and will post any variations here.

Introduction

This website, www.itssoeasytravelinsurance.com (“the Website”) is owned and operated by It's So Easy Travel Insurance (“us”, “we”) a private limited company registered in England and Wales (number 3931540) whose registered address is 27 Gloucester Street, London, WC1N 3XX.

It's So Easy Travel Insurance is authorised and regulated by the Financial Conduct Authority reference number 476160.

It's So Easy Travel Medical Travel Insurance policies are administered by OK To Travel Limited. OK to Travel Limited is an Appointed Representative of Freedom Insurance Services Limited: Registered in England No. 4399749. Authorised and regulated by the Financial Conduct Authority reference No. 306536.

Use of Website

We reserve the right to change, modify, substitute, suspend or remove any material or content on the Website without notice, from time to time without there being any liability on our part. You further accept that such changes may result in your being unable to access the Website or part of it. We may have to suspend the Website from time to time to carry out maintenance and to make upgrades.

The website is intended for your personal non-commercial use only. You agree not to interfere or gain entry to the website with intent to corrupt, damage or deny service.

You agree to use the Website only for lawful purposes, and in a manner that does not infringe the rights or, restrict or inhibit the use of this website by any third party.

Payment and Security

Full payment for insurance products from this website should be made at the time of booking, in the secure area of the website. We can accept payment via all major credit/debit cards excluding American Express. No extra charge is applied by us for use of credit cards. When you submit your payment details they are encrypted to ensure that no one else can read them and this is verified with the padlock icon which appears on the payment page. Our website secures your payment information using Verisign SSL certification. Please note, WE do not hold your payment details.

Insurance Confirmation Documents

By purchasing insurance through our website, you are deemed to have accepted our terms detailed in our policy wording.

Documentation of insurance policies purchased via the website will be delivered electronically, within one hour to the email address supplied to us. A hard copy of the insurance documentation is available upon request.

Documentation of insurance policies purchased via the OK to Travel call centre will be posted within two working days to the address supplied to us.

In the event you do not receive your travel insurance documents, please telephone 01223 446 920 where a member of the OK to Travel team will arrange to get them delivered to you by quickest method possible.

Disclaimer

Every effort is made to ensure that this website is accurate and up to date and it is our aim to correct errors or omissions as soon as possible. However on occasion there may be an error in the price or type of insurance shown. In this case we reserve the right to cancel or amend any contract we have entered into with you. This would be without liability to you and a refund would be provided where applicable.

Nothing within this website is or should be considered as financial or other advice or a recommendation to purchase any product or service. We recommend that independent professional advice is sought before you purchase any product/service from this website.

This disclaimer does not affect your statutory rights in respect of any products or services that you purchase from this Website.

Force Majeure

If we are unable to perform our obligations to you (or able to perform them only at unreasonable cost) because of circumstances beyond our control, we may then cancel or suspend any of our obligations to you, without liability. Examples of those circumstances include act of God, accident, explosion, fire, transport delays, strikes and other industrial disputes.

Your Obligations

You agree to take reasonable precautions to ensure that any data you submit to the Website is true and accurate and free from viruses and anything else which may have a contaminating or destructive effect on any part of the Website or any other technology

Complaints Procedure

Your right to complain:
It is our aim to give a high standard of service and to meet any claims covered by these policies honestly, fairly and promptly. There are, however, times when misunderstandings occur by both sides. If YOU do not feel that the matter has been dealt with to YOUR satisfaction or YOU have some new evidence which WE have not seen, please contact US in writing, explaining why YOU do not think our decision is correct.

Ask the Financial Ombudsman Service (FOS) to review YOUR case. Their address is Exchange Tower, Harbour Exchange Square, London, E14 9SR. For enquiries and consumer helpline telephone 0300 123 9123 from a mobile or 0800 023 4567 from a landline. Further information can be found at their website www.fos.org.uk. FOS can only consider complaints after YOU have received a final response from US. YOU are also able to use the EC On-line Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr who will notify FOS on your behalf.