Terms and Conditions

Terms and Conditions

Contract

Your travel insurance policy is a contract between you and the insurer underwriting your policy. By purchasing the insurance, you agree to be bound by the terms and conditions set out in the policy.

Your Policy Wording and Insurance Product Information Document (IPID) will identify the insurer underwriting your travel insurance policy.

If your policy is underwritten by AWP P&C S.A.

AWP P&C S.A., acting through its UK Branch, is part of the Allianz Group. AWP P&C S.A., acting through its UK Branch, is authorised and regulated by L'Autorité de Contrôle Prudentiel et de Résolution (ACPR) in France. It is authorised by the Prudential Regulation Authority (PRA) and subject to regulation by the Financial Conduct Authority (FCA) and limited regulation by the PRA. Details of the extent of its regulation by the PRA are available on request.

Governing Law

Unless otherwise agreed, this policy is governed by the laws of England and Wales. All communications and documentation relating to the policy will be provided in English. In the event of a dispute, the courts of England and Wales shall have exclusive jurisdiction.

If your policy is underwritten by Inter Partner Assistance S.A. UK Branch

Inter Partner Assistance S.A. UK Branch is a Belgian firm authorised by the National Bank of Belgium and subject to limited regulation by the Financial Conduct Authority. Details of the extent of its regulation by the Financial Conduct Authority are available upon request.

Applicable Law

You and Inter Partner Assistance S.A. UK Branch may choose which law applies to your Coverwise policy. Unless otherwise agreed, 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 email: info@fsc.gi

Our company registration number is 103717 and our full postal address is Coverwise Limited, 2 Irish Town, Gibraltar, GX11 1AA.

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 email.

Confirmation

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 a travel insurance policy after the statutory cancellation period no premium refund will be made.

General customer support and service - Sales

Contact telephone numbers 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, 2 Irish Town, Gibraltar, GX11 1AA.

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 - The Operations Manager, 4th Floor, Southfield House, Liverpool Gardens, Worthing, BN11 1RY

By phone - Telephone the Duty Manager on 01903 255 650

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 Coverwise Limited has responsibility for the content, technical capability and maintenance of the site.