| Terms of General Insurance Business - Website
Sales |
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Your attention is drawn to the following
notes
relating to the insurance you have arranged,
or wish to arrange
with us.
 |
Who We Are
Voyager Insurance Services Ltd trading as Able2Travel is an independent insurance intermediary
and acts on your behalf in arranging your insurance. We are authorised
and regulated by the Financial Services Authority (FSA). Our register
number is 305814. We are permitted to arrange, advise on, deal as
an agent of insurers and clients and assist in claims handling with
respect to non-investment insurance policies. You can check these
details on the FSA's Register by visiting the FSA's website, www.fsa.gov.uk/register,
or by contacting the FSA on 0845 606 1234. |
Explanation of Service
Our service includes providing you with information relating to the
cover we can arrange, arranging your insurance cover with insurers
to meet your requirements, and helping you with any ongoing changes
you have to make. As part of our service, we can also assist you with
any claim you need to make.
In arranging this web-based insurance we deal with a single panel
of insurers, details of these are shown in the Policy document and
the Policy Summary.
We do not provide any advice or recommendation concerning the insurance
that you are arranging. The site includes information and certain
questions to narrow down the selection of products available to you,
from which you can then make your own choice. |
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.
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 to 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. |
Confidentiality
All personal information about you will be treated as private and
confidential (even when you are no longer a customer), 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. If you have any queries, please write
to the Managing Director at Voyager Insurance Services Ltd., 13-21
High Street, Guildford Surrey GU1 3DG. |
How to claim
Please refer to your policy summary or your policy document if you
need to make a claim. You should contact the specified claims handlers
as soon as possible. If in any doubt about whom to contact, please
telephone us on 01483 562662. |
Fees and Charges
We make no administration fee or charge for any of our
services in connection with arranging this insurance.
However, we reserve the right to charge an additional
amount of £1 if you request us to post your documentation
to you.
Alterations & Cancellations – An administration fee of £5
may be charged for any alteration or for any cancellation of
a policy outside the initial 14 day "cooling off" period. |
Protecting your money
Prior to your premium being forwarded to the insurers, and for your
protection, we hold premiums and claims monies received as agent of
your insurer and your policy is treated as having been paid for. |
Complaints
It is our intention to provide a high level of service at all times.
If, however, you have reason to make a complaint about our service,
we have internal procedures for handling complaints fairly and promptly.
In the first instance you should contact the Managing Director at
Voyager Insurance Services Ltd, 13-21, High Street, Guildford, Surrey
GU1 3DG or telephone 01483 562662.
Our procedure is that:
Your complaint will be acknowledged within 5 business days.
Wherever possible, your complaint will be dealt with within 20 business
days and if compensation or redress is felt to be appropriate details
of this will be provided. If it is felt that your complaint is not
justified you will be provided with full reasons for this decision.
If it is not possible to respond to your complaint within 20 business
days you will be advised of the reasons in writing and given a note
of when you may expect a final response.
If you remain dissatisfied, you may be entitled to refer the matter
to the Financial Ombudsman Service. We shall provide you with details
at the appropriate time or upon request. Further information is available at www.financial-ombudsman.org.uk
or telephone 0845 080 1800.
If you do decide to refer any matters to the Financial Ombudsman Service
your legal rights will not be affected. |
Compensation Arrangements
We are members of the Financial Services Compensation Scheme. You
may be entitled to compensation from the scheme if we are unable to
meet our obligations. This depends on the type of business and the
circumstances of the claim. Further information about the compensation
scheme is available at www.fscs.org.uk or telephone 020 7892 7300. |
Meeting your Demands
and Needs for Insurance
The policy coverage provided is typical of the great majority of this
type of insurance and is designed to meet the needs of the customer
when considering the risks associated with their plans. This website
has been designed to provide you with enough information for you to
decide whether this policy meets your particular demands and needs. |
| Please note
this insurance is only available to UK residents. This means you must
have your main home in the UK and not have spent more than six months
abroad in the twelve months prior to buying this insurance. For help
- call us now on 01483 562662. Please note calls may be recorded. |
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