Terms and Conditions
Your travel insurance policy is a contract between you and our insurer. Your travel
insurance policy is underwritten by AXA insurance UK plc who are authorised and
regulated by the Financial Services Authority (FSA). This can be checked on the
FSA‘s register by visiting the FSA’s website at
http://www.fsa.gov.uk/register or by contacting them on 0845 606 1234.
Supply failure insurance is provided by International Passenger Protection Limited,
and is underwritten by a consortium of Association of British Insurers member Companies
By purchasing the insurance you are agreeing to abide by the terms set out in the
You and AXA Insurance UK plc can choose which law applies to your Coverwise policy.
Unless AXA Insurance plc and you agree otherwise English Law will apply.
About our Company
Coverwise Limited is authorised and regulated by The Financial Services Commission
(FSC) as a General Insurance Intermediary under the Financial Services (Investment
and Fiduciary Services) Act 1989 of Gibraltar and provides this business in the
EU by means of cross border services. Our FSC Registration Number is: FSC1107B.
You can check this on the Financial Services Commission register at www.fsc.gi. The Financial Services Commission can also be
contacted at PO Box 940, Suite 3, Ground Floor, Atlantic Suites, Europort Gibraltar
or by telephone: +350 200 40283, fax: +350 200 40282 or E-mail: email@example.com
Our company registration number is 10371 our full postal address is Coverwise Limited,
945 Europort Gibraltar.
Coverwise Limited does not have a direct or indirect, holding or voting right in
an insurance company. No insurance company or parent company of an insurance company
has a direct or indirect holding, or voting right in Coverwise Limited.
Method of payment
We accept most major credit and debit cards. The cards that we accept are displayed
on the payment screen of this website.
Policy terms and conditions
The policy wording for each policy type is provided by the insurer. These are available
to any person visiting our website and can be examined in full at any time. It is
important that you make sure the policy you select meets your needs and personal
circumstances. Our website offers helpful information regarding general insurance
matters, but does not seek to advise you on which particular product or service
you should purchase.
When purchasing insurance via our call centre team, you will not receive advice
or recommendation from us. We may ask some questions to narrow down the selection
of products that we will provide details on. You will then need to make your own
choice on how to proceed. To allow your purchase to be conducted on the telephone
you will be asked to provide your consent to receive limited information, all other
details will be sent to you immediately via e-mail.
Your policy confirmation will include your policy number for reference purposes.
You will also receive a full copy of the policy wording and your personalised Policy
Schedule stating the persons insured, the policy start date, the period of insurance,
the territories covered as well as the total price paid for the policy.
Cancellation statutory rights
If you find that the cover you have selected does not meet your needs you may cancel
this policy within 14 days of receipt of your policy documentation by writing to
us to request a refund. If the policy is paid in full and providing you have not
travelled, no claim has been made or is intended to be made and no incident likely
to give rise to a claim has occurred, we will refund the premium paid.
Cancellation outside the statutory period
You may cancel this policy at any time after the statutory cancellation period by
writing to us, however if you cancel after the statutory cancellation period no
premium refund will be made.
General customer support and service - Sales
Contact telephone number for sales, claims and assistance services can be found
on our website and throughout your documentation pack.
Should you wish to contact the Coverwise Head Office, please write to Coverwise
Limited, 945 Europort Gibraltar.
Complaints – (Sales, Claims and Assistance)
We are committed to providing you with an exceptional level of service and customer
care. We realise that on occasion, things can go wrong and there may be occasions
when you feel that we have not provided the service you have expected. When this
happens we want to hear about it so that we can try to put things right.
What to do if you have a complaint?
If you wish to initiate a sales or administration complaint, please contact Coverwise
Sales and Service:
In writing - Write to the Operations Manager, 77-79 High Street
Steyning, West Sussex BN44 3RE
By phone - Telephone the Duty Manager on 0845-519-5959
If you wish to initiate a claims complaint please write to, or telephone the claims
unit dealing with your claim
If you cannot settle your complaint, you may be entitled to refer it to the Financial
Ombudsman Service; full details can be found within the ‘Making a complaint’ section
of the policy wording.
The Coverwise website has been designed with the consumer in mind and we hope that
your customer journey is/has been pleasant. We are able to confirm that Kevin Rye
has responsibility for the content, technical capability and maintenance of the