OINC.COM for Cheap Travel Insurance
Mon-Fri: 8.30am - 6.00pm
Sat: 9.00am - 1.00pm
Terms and Conditions - Please read the whole of this document carefully
OINC.COM is a trading style of Europewide Ltd which is an Appointed Representative of ITC Compliance Limited which is authorised and regulated by the Financial Services Authority (FSA).
Status Disclosure Information
The Financial Services Authority (FSA) is the independent regulator of financial services. It requires us to give you this document. Use this information to decide if our services are right for you. Europewide Ltd is an appointed representative of ITC Compliance Limited which is authorised and regulated by the FSA (their registration number is 313486) and which is permitted to advise on and arrange general insurance contracts. Europewide Ltd only offer insurance from a limited number of insurers. A list of these insurers is available on request. No additional fees will be charged for this service. You WILL NOT receive advice or a recommendation from us for insurance. 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 about how to proceed. We always aim to provide a first class service, however if you have any cause for complaint, any enquiry in the first instance should be addressed in writing to The Compliance Officer, ITC Compliance Limited, at Charnwood House, Marsh Road, Bristol, BS3 2NA. Should you remain dissatisfied you have the right to ask the Financial Ombudsman Service to review your case. You should write to the Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR. Telephone 0845 080 1800. You may be entitled to compensation should we be unable to meet our liabilities as an insurance intermediary under the Financial Services Compensation Scheme. Your entitlement to compensation will depend upon the type of business and the circumstances of your claim. Details of ITC Compliance Limited's authorisation (including their authorised number 313486) can be confirmed by contacting the FSA on 0845 606 1234 or by visiting the FSA's website http://www.fsa.gov.uk/register.
Demands and Needs Statement
Travel Insurance: This travel insurance policy will suit the Demands and Needs of an individual, or group (where applicable) who have no pre-existing medical conditions, are travelling to countries included within the policy terms and who wish to insure themselves against the financial impact of specified unforeseen circumstances/events relating to or occurring during their trip. Full details of these circumstances/events, levels of cover and terms and conditions can be found in the policy information/booklet.
Important Information
You may already possess alternative insurance(s) for some or all of the features and benefits provided by products purchased; it is your responsibility to investigate this. We will not provide you with advice about the suitability of this product for your individual needs but we will be happy to provide you with factual information to assist you in making an informed buying decision. All policies have exclusions and restrictions to them. It is very important that you read and understand these and only purchase the policy if you are happy that you and (where applicable) every member of your party meet the eligibility criteria: Specifically for travel our policy may NOT be applicable for you if:
- You are over the maximum specified age at the time of your trip
- You have pre-existing medical conditions
Examples of these and other conditions and restrictions and what to do if you are unsure about any aspect of an exclusion are contained within your policy information. If after purchasing a policy should you find it does not meet your requirements you have 14 days from the date of issue, or prior to travel (whichever is sooner) to cancel the policy. If you do decide to cancel your money will be refunded in full, provided no claims have been made or incident likely to give rise to a claim has arisen. Travel policies will not cover travel to areas where the Foreign and Commonwealth Office has advised against 'all travel'. If you are not sure whether there is a travel warning for your destination, please check with the Foreign and Commonwealth Office (phone 020 7008 0232 or 0233 or visit their website at www.fco.gov.uk). It is your responsibility to do this and no information or guidance will be provided by ourselves in this regard.
Terms
When you access and use this site you agree to these Terms and Conditions. If you do not wish to be bound by these Terms and Conditions, you may not use the site. The information on this site is directed at EU Residents only.
On this site "we", "us" and "our" mean Europewide Ltd. "You" and "my" means the user of this site.
The terms and conditions that apply to our travel policies are set out in the policy wording. The terms and conditions of the policy wording are not changed or altered by any of the following. Some of the more important definitions are included at the end of this document for reference purposes only.
Quotations and Premiums: The quotations provided on this site are intended as an indication only of the likely premium based on the information you provide. They are not binding quotations. If you decide you want to buy an insurance policy, then we will ask you to confirm the information you have provided. If you fail to disclose any relevant information, or if you provide any inaccurate information, this may invalidate your insurance policy. If you provide us with information about other people, then it is your responsibility to check that the information you provide is accurate and that the other people have given you permission to give their information to us.
When you complete the Payment Details section of the site, we will treat this as your proposal of insurance. You are not insured until you receive confirmation from us that we have accepted your payment and proposal. The decision as to whether to offer you insurance is at our discretion. We may cancel your insurance policy before the start date of the policy at any time and for any reason which we do not need to give you. We may also cancel your policy even if it has already started for reasons such as fraud or any other reason we deem sufficient. If we choose to do this we will inform you using the email address you provided at the time of purchase that your policy has been cancelled but we do not need to give you the reason. You should keep a copy of all information submitted to and/or received from us for your own records.
You should keep a copy of all information submitted to and/or received from us for your own records.
Availability and Content of this Site: Whilst we aim to ensure that the information contained in this website is accurate, we give no promises, representations or warranties about the accuracy, completeness, reliability or suitability of any information on the site. If we need to change the content of the site from time to time then your continued use will be deemed as acceptance of the change. However, we will not change the terms and conditions that apply to your policy during its term and we will inform you before you renew your policy if any of the terms and conditions of the policy have changed. You acknowledge that there are technical limitations which affect the performance and availability of the site. The need for us to carry out regular maintenance and conditions affecting transmission and communication that are outside our control mean that at times this site may be temporarily unavailable.
Links and Third Party Information: This site contains links to websites operated by persons and/or companies outside us. We provide these links for your assistance and information and the provision of these links does not signify that we endorse or recommend such websites. We are not responsible for the availability or content of these third party websites and we are not responsible for any of the goods or services available from those sites.
Printing, Copying and Saving: You may copy for your own personal use any part of the site but otherwise you are not allowed to copy parts or all of this site (either on paper or by copying to disk). You are not permitted to use this site or to copy any material from the site for any commercial purpose.
Jurisdiction: These Terms and Conditions are governed by, and are to be interpreted in accordance with, English Law and, in the event of any dispute arising in relation to these Terms and Conditions, the English Courts will have jurisdiction.
Customer Service: There may be occasions where you feel we have not met your expectations. In this event please call our Customer Services department and we will do our best to resolve any problems for you. If we are unable to resolve the matter to your satisfaction, please write to us at the address on our contacts page. However please note that we will not refund the insurance premium (either in full or part) after the Policy Schedule has been issued other than under the "Cooling Off" Period Terms and Conditions.
We act as intermediary between you and the insurer.
Use of this Website
You agree to use this Website for lawful purposes only, and in a manner which does not infringe the Rights of, or restrict or inhibit use or enjoyment of the Service by any other persons. The Website must not be used fraudulently or in connection with a criminal offence, or to impersonate others or in a manner which conceals identity.
In order to purchase any product you must be, and you represent and warrant that you are, at least 18 years of age. You may buy an insurance policy on behalf of someone under the age of 18 years of age.
The Website is accessed via a telecommunications dial-up connection. You are responsible for the provision of and payment for telecommunications services plus a suitable PC, modem and any other items of hardware or communications equipment necessary to enable you to access the Website. In no circumstances will we be able to issue refunds against charges you incur for such items or services.
You are responsible for the costs incurred in contacting the Customer Services Call Centre and in no circumstances will we be able to issue refunds against these charges.
Our Insurance Products - see policy wording for full Terms and Conditions
The Travel Insurance, herein referred to or offered for sale, is only available to UK residents.
The cover is for the whole duration of the trip or trips. No one will take part in any sports or activities that will involve a high risk of being injured.
The subscribing Insurers' obligations under contracts of insurance to which they subscribe are several and not joint and are limited solely to the extent of their individual subscriptions. The subscribing Insurers' are not responsible for the subscription of any co-subscribing Insurer who for any reason does not satisfy all or part of its obligations.
This insurance is non-transferable. No premium will be refunded, either in full or on a pro-rata basis, after the expiry of the cooling-off period.
We can only offer cover under the following conditions:
Everyone in your party, or any person who your travel depends on:
does not suffer from a medical condition or any illness related to a medical condition which you or they know about.
is not on a hospital waiting list.
is not travelling against medical advice.
is not travelling to receive medical advice or treatment.
has not been given a terminal diagnosis.
Usage Of Personal Data - Terms and Conditions
We will collect personal data as provided to us during the registration process, which you agree to supply us as accurate.
We will also collect personal data from other parts of this service as required to issue you with the insurance policies purchased. We may use cookie technology to collect anonymous information such as number of visitors to the website, but it is purely statistical and cannot be used to identify any individual user.
We will only use the personal information we collect:
in the normal course of our business to provide the products and services you have requested
to identify you when you contact us
to build up a profile of your insurance requirements to determine if we can offer you a better service or more relevant products
to send you renewal notices and other relevant promotional information by e-mail or post
for credit assessment
for statistical analysis, including automated techniques and to monitor and analyse our business We will disclose the personal information we collect only:
to enable our customer service advisors, agents and sub-contractors to issue and administer your policy or to conduct our business
to enable our underwriters to administer your policies and adjudicate any claims
for debt tracing or fraud prevention
if required or compelled to do so by law
You can update or amend your contact details at any time by contacting us in writing. If you have any questions about the use of your personal data or if you wish to correct other personal data we may hold please contact our call centre.
Security and Privacy Policies
We are committed to protecting your right to privacy as a consumer of our online insurance services. It is our policy to respect the privacy of private communication. We collect information about our Customers in order to help us continually improve the service we offer. We will always endeavour to protect your information and provide you with a secure, efficient and easy to use service. We adhere to guidelines and requirements of the Financial Services Authority (FSA) and the Data Protection Act.
All data collected is held on secure servers within the United Kingdom.
To ensure that you are the only person who can access your data you will be issued with a specific quote number which will only work in conjunction with your Surname.
You are responsible for the security and proper use of all this access information. Keep the information confidential, make sure you are not being overlooked when you are logging in. Never give your access information to unauthorised people.
You must inform us immediately if you have any reason to believe that your access information has become known to someone not authorised to use it or if any access information is being or is likely to be used in an unauthorised way. If we have reason to believe that there is a likely breach of security or misuse of the Website we may change any or all of your access information immediately and will notify you accordingly.
If you forget any of your access information, you will be required to undego a re-quote via the system. For security purposes we are unable to retrieve your access information.
Never leave your computer unattended while you are logged in.
Never send e-mails with your access information or other information that could help another person access your Portfolio.
If we change or amend our privacy policy we will notify customers via this site. The Privacy Policy will always be easily accessible online throughout the site.
Some Important Policy Terms
Insurance Policy: this contains full details of the cover provided plus the conditions and exclusions which apply to it. You must read the insurance policy carefully.
Conditions and Exclusions: there are conditions and exclusions which apply to individual sections and general conditions and exclusions which apply to the whole policy.
Medical Expenses: the policy does not provide private health treatment unless specifically approved by the emergency service.
Health: the certificate contains conditions relating to the health of the people travelling and others upon whose well being the trip may depend. It may be that you are required to disclose the condition of such people prior to cover being issued and you must be aware that failure to disclose such information will prejudice your position in the event of a claim. Please see the section entitled: Health Conditions.
Property claims: these are settled on an indemnity basis - not on a "new for old" or replacement cost basis, unless otherwise stated in the policy.
Limits: most sections of the policy have limits on the amount the insurer will pay under that section. Some sections also include inner limits e.g. for one item, or for valuables (see definition below) in total.
Excesses: claims under most sections of the policy will be subject to an excess. Where there is an excess, you will be responsible for paying the first part of a claim which will normally be payable when you submit your claim.
Reasonable Care: you are required to take all reasonable care to protect yourself and your property and to act as though you are not insured.
Complaints: the insurance policy includes a complaints procedure which tells you what steps you can take if you wish to make a complaint.
Hazardous Holiday Activities: the policy may not cover you when you take part in certain hazardous activities e.g.: Mountaineering. If you want cover for such activities, please contact Us. Please see section entitled 'Hazardous Activities" to see what activities are covered under the policy at no additional premium, what activities can be included in return for additional premium and what to do if you wish to participate in an activity not listed.