Terms and Conditions

This website, www.oktotravelinsurance.co.uk (“the Website”) is owned and operated by OK to Travel Limited (“us”, “we”) a private limited company registered in England and Wales (number 7853619) whose registered address is 58 Market Square, St Neots, Cambridgeshire, PE19 2AA.

OK to Travel Limited is authorised and regulated by the Financial Conduct Authority reference number 570432. 

OK to Travel Limited is an Appointed Representative of Freedom Insurance Services Ltd, registered in England Number 4399749, authorised and regulated by the Financial Conduct Authority number 306536.

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.

In some areas on the Website you will be asked to register with us. It is your responsibility to maintain the confidentiality of your details and your password and to restrict access to your computer to prevent unauthorised access to your account. You must inform us immediately if you have reason to believe that your password is being used in an unauthorised manner.

You warrant that all information provided on registration at www.oktotravelinsurance.co.uk and otherwise provided by you on the Website shall be true, complete and accurate. You agree to immediately inform us if your information changes.

We have taken great care in preparing this website but given the unpredictability in technology, matters may arise that are beyond our control. Therefore, we cannot guarantee the function, operation or accessibility of the Website will be uninterrupted or error free that defects will be corrected or that the Website will be free of viruses or other harmful elements. Occasionally access may be suspended or restricted to enable us to repair, maintain or update the Website.

The colours we use, as well as the display colour capabilities of your particular computer monitor, will greatly affect what you can actually see on the screen. We cannot be held responsible for the limitations of technology and cannot guarantee that your monitor’s display of any colour, texture, or detail graphics or visual elements of the Website will be accurate.

The Copyright and all other intellectual property rights in the material contained in the Website, together with the website design, text graphics, and their selection and arrangement, all software complications, underlying source code and software (applets) belong to us or our licensors. All rights are reserved. None of this material may be reproduced or redistributed without our prior written permission. You may, however, download or print a copy for your own non-commercial personal use.

Telephone calls that are made to the medical screening line operated by OK to Travel Limited on 01223 446 920 will be monitored and recorded. The medical screening line is available Monday to Friday 9.00am – 5.00pm. Closed on weekends and bank holidays.

• Discounts and promotions are only available on OK To Travel branded Standard, Premier, Premier Extra and Premier Plus policies.
• Promotions and discounts are available to customers who meet the specified criteria as outlined in the promotion details.
• Where a percentage discount (10%, 15%, 20% etc.) is promoted, the discount will automatically be applied to the premium quoted, providing the appropriate promotional code is used.
• Promotions or discounts may apply to the 'base price' only, as outlined in the promotion details. The base price refers to the basic premium, before any additional premium is applied to cover pre-existing medical conditions or to add optional extras.
• All promotions are exclusive to policies purchased through www.oktotravelinsurance.co.uk or via our contact centre.
• The customer must quote the promotional code at the time of quote to qualify for the relevant discount.
• OK To Travel reserves the right to modify or cancel any promotion or discount at any time without prior notice.
• Each promotion or discount will be valid for a specified period. The end date will be clearly indicated in the promotion details. 
• OK To Travel reserves the right to end the promotion or discount early or to extend it at its discretion without prior notice.
• Promotional codes are limited to one per quote. 
• Promotions and discounts cannot be combined with other offers, promotions, or discounts unless specified.
• Discounts and promotions cannot be applied to existing quotes or policies.
• Promotions and discounts are non-transferable, non-refundable, and cannot be exchanged for cash or credit.
• All promotions and discounts are subject to product availability. We cannot guarantee an offer of insurance.
• By participating in a promotion or using a discount code, customers agree to abide by these terms and conditions. If customers do not agree to these terms and conditions, they should not participate in the promotion or use the discount.

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.

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 when requested.

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.

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.

If you live in England and Wales, the conditions of use will be governed by English law and the Courts of England and Wales will have exclusive jurisdiction to intermediate on any dispute between us.

If you live in Scotland, these conditions of use will be governed by Scottish law and the Courts of Scotland will have exclusive jurisdiction to intermediate on any dispute between us.

OK To Travel Limited takes your privacy very seriously. Your legal rights are protected and we promise to do all we can to protect your privacy as set out in our Privacy Policy. Any personal information supplied by you via this website or over the telephone is stored in-keeping with the Data Protection Act 1998 (including any further amendments) and the Privacy and Electronic Communications Regulations 2003.

We use reasonable endeavours to ensure that the data on the Website is accurate and undertake to correct any errors or omissions. However, we do not guarantee that the Website will be fault free and we do not accept liability for any errors or omissions.

We do not give any warranty that the Website is free from viruses or other harmful elements which may affect any technology.

Due to the nature of electronic transmission of data over the internet, any liability we may have for any losses or claims arising from an inability to access the Website, or from any use of the Website or reliance on the data transmitted using the Website, is excluded to the fullest extent permissible by law.

We do not exclude or limit our liability for death or personal injury arising as a result of the negligence of us, our employees, agents or authorised representatives, or limits our duties or any liability under the Financial Services and Markets Act 2000, as amended, (‘FSMA’) or any conduct of business rules developed pursuant of FSMA.

You shall indemnify us in respect of all costs (including legal costs on a full indemnity basis), losses, expenses and claims in respect of or in connection with:

a) Any improper use by you of the Website
b) Any breach by you of any of these Terms or any relevant legislation or regulations; and
c) Any claim brought against us as a result of or in connections with your actions or omissions

As you view the Website, there may be reference to specific terms and conditions which apply to certain products and services. In such circumstances, it is your responsibility to refer to such terms and conditions applicable to those offers.

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.

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.

If YOUR query is regarding the selling of YOUR policy: Customer Service Manager on 01480 220 673 or write to: OK To Travel Limited. 58 Market Square, St Neots, Cambridgeshire. PE19 2AA.

If YOUR query is regarding policy cover, claims service or the emergency assistance service please see Contact Us for details applicable to your policy cover.

If YOU remain dissatisfied with the outcome and YOU do wish to complain please forward details of YOUR complaint in the first instance, as follows:

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.financial-ombudsman.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.