How does our policy work?
You have two policies - the first is your Pre-travel policy (cancellation cover) which starts on the day you requested cover to commence after you paid the premium and remains in force until you leave home to start your trip. The second, your Travel policy, provides cover while you are on your trip from the time you leave home on the booked date of departure until the date of booked return. If you return home early the cover on that trip will cease on that date instead.
Your duty of disclosure
Your insurance is based upon the information you have provided to us 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 any relevant information may invalidate your insurance and could mean that part, or all, of a claim may not be paid.
How to cancel
You have a statutory right to cancel a policy within 14 days of the purchase of your policy, should you find that the cover does not meet your particular needs. If you decide to cancel within this period, you must confirm this to us in writing and return your documents to us; provided you have not travelled, or submitted or intend to submit a claim we will refund your premium. If you cancel outside this period you will not receive any refund of premium.
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 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 General Manager, Fogg Travel Insurance Services Limited, Crow Hill Drive, Mansfield, Notts. NG19 7AE.
How to claim
If you need to make a claim you can download the appropriate claims form via the Info menu at the top of this page or by contacting our in-house claims department to request a claim form on 01623 631331 (choose claims department option) or in writing to Fogg Travel Insurance Services Limited, Crow Hill Drive, Mansfield, Notts. NG19 7AE.
Fees and charges
We do not charge a fee for our services, however we reserve the right to do so, and if we choose to do this we will clearly show these within our quotations to you.
Protecting your money
Prior to your premium being forwarded to the insurer, and for your protection, we hold your money as an agent of the insurer (in which case your policy is treated as being paid for).
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 please contact us:
The Managing Director,
Fogg Travel Insurance Services Limited
Crow Hill Drive
By phone: 01623 631331
By email: firstname.lastname@example.org
If we are unable to resolve the matter you may write to:
The Branch Manager
1 Tower View
If you remain dissatisfied, you may be entitled to refer your complaint to The Financial Ombudsman Service. Their address is
Exchange Tower, London, E9 5SR, telephone advice line is 0800 023 4567 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.
The Insurer, URV is covered by the Financial Conduct Compensation Scheme. You may be entitled to compensation from the scheme if we cannot meet our obligations.
The maximum level of compensation you can receive from FSCS is 90% of the claim without any upper limit.
The contact details for FSCS are:- Financial Services Compensation Scheme, 7th Floor Lloyds Chambers, Portsoken Street, London, E1 8BN Fax: 020 7892 7301 Website: http://www.fscs.org.uk