Website Booking Terms and Conditions
Demands and Needs Statement
This insurance will suit the Demands and Needs of an individual wishing to insure themselves against unforeseen costs when travelling abroad, subject to terms and 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.
The 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 4-5 working days.
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.
14 day Cooling off period
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 refund by simply returning your policy certificate to us. You may take advantage of this guarantee if no claim is being made or is pending and as long as travel has not commenced. Refunds will be returned within 7 working days of the cancellation.
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 have claimed or intend to make a claim under the policy and in all cases, an administration fee of up to £15 will be charged for cancellations made within the 14 days cooling-off period. There is no right to cancel outside of the 14 days cooling-off period.
How OTIS handle your Payment
In selling this insurance policy, OTIS will take your payment via a secure encrypted payment provider who will pass on your policy premium on your behalf to the insurers. Once we have received your premium you are eligible for cover.
Payment on your card will be shown as Online Travel Insurance Services Laindon. Payments online can be transacted using credit cards, debit cards or via Paypal.
How to claim
Please refer to your policy summary or your policy document if you need to make a claim. You should contact the 24/7 specified claims handlers as soon as possible following an incident. Please do not contact OTIS.
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.