Terms of Business


ABOUT OUR INSURANCE SERVICES

About us

PKC Associates Limited t/a Travel Staff Journeys of The PowerHouse, 21 Woodthorpe Road,
Ashford, Middlesex, TW15 2RP is authorised and regulated by the Financial Conduct Authority (FCA). Our
firm reference is 312339, which may be verified on the FCA’s register by visiting FCA’s website at https://register.fca.org.uk or by contacting the FCA on 0800 111 6768. Our permitted business is insurance mediation activities and all sales conducted on a non-advised basis. You will not receive any advice or recommendation
from us. We will provide details about the products from which you can make a decision about their suitability
for you.

Product providers

We offer a range of Travel Insurance products from a limited number of insurers, you may ask us for a list of
the insurers we deal with for your requested product.

Your duty to disclosure information

We expect you to provide complete and accurate information, you must take care to answer all questions
honestly and to the best of your knowledge. Failure to do so, in response to our questions, or knowingly to
make any false statements, or declaration, could invalidate your insurance, and could mean that part, or all,
of a claim may not be paid.

Policy and administration charges

Our service to you for the provision of insurance products will have no direct cost to you. However, we may
charge an administration fee for the following:

(1) Mid-term adjustment: up to £5 per policy

(2) Information provision under the Data Protection Act: up to £10 per request

(3) Policy & Medical screening documents by post: up to £3

Your right to cancel

You have the right to cancel your Policy within 14 days of the date of issue, or receipt of the Policy
documentation, whichever is later (known as “the cooling-off period”). If you do cancel, provided that you
have not taken a trip to which the insurance applies, and that you have not made, or do not intend to make a
claim, under the Policy, we will refund to you any premium that you have paid less an administration fee.
You may give notice of cancellation to us by telephone, or in writing, and the cancellation will take effect on
the date we receive, notification or on the date specified in the notice, whichever is the later. If the notice of
cancellation is outside “the 14 day cooling-off period”, no premium will be refunded, although we may
exercise discretion in exceptional circumstances.

Cancellation by us

We may give 7 days notice of cancellation of your policy, by Recorded Delivery letter to you at your last
known address.

Treating Customers Fairly (TCF)

We aim to raise standards in the way firms carry out their business by introducing changes that will benefit
consumers and increase their confidence in the financial services industry. If for any reason, you feel that our
service is not of the standard you would expect, please tell us. You can email us at hello@staffjourneys.co.uk

Fraud prevention

In order to detect, and prevent fraud, we may, at any time, share information about you with other
organisations, and public organisations, including the Police. This will include, but is not restricted to,
checking, and filing your details with fraud prevention agencies, and databases. In particular, if you give us
false, or inaccurate, information, and we suspect fraud, we will record this, and will share that information
with other insurance companies, either directly, or through a number of insurance data bases.

Confidentiality and Data Protection

To enable us to provide you with our products, and services, we need to collect, and process, sensitive
personal information about you, and others who are to be insured under your Policy. Please ensure that you
only provide us with the sensitive information about others with their express consent. This information will
be treated as private and confidential.
We will only use this information in the course of arranging and administering your Policy, but this may
involve us passing information to other intermediaries, and other third parties directly, or indirectly, involved in
your Policy.
We are regulated under the Data Protection Act 1998, and we will comply with the Act in all our dealings with
your personal data. If we need to transfer your personal data outside of the European Economic Area, it will
only be when it is strictly necessary, and we will ensure that it is kept as secure as if being stored by us. In
the interests of security, and to improve our service, all telephone calls made to us are monitored and
recorded for training purposes.

Complaints

If, for any reason, you wish to complain about your insurance, or the service we provide, please write to The
Managing Director, InsureMore Travel Insurance, The PowerHouse, 21 Woodthorpe Road, Ashford,
Middlesex, TW15 2RP. If your complaint is specifically about a claim, please write to the Claims Manager at
the same address. Please always provide policy details, and, if about a claim, please quote the claim
reference.
If your complaint is not resolved to your satisfaction, you have the right to refer it to The Financial Ombudsman Service (FOS), Exchange Tower, Harbour Exchange Square, London E14 9SR. Phone : 0800 023 4567 or 0300 123 9 123.
Please note, however, that the FOS will not normally review your complaint until such time as we have made
our final decision, so please give us the opportunity to handle your complaint before referring it to them.

Financial Services Compensation Scheme (FSCS)

We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to
compensation from the scheme if we cannot meet our obligations. This depends on the type of business and
the circumstances of the claim. Further information about compensation scheme arrangements is available
from the FSCS at: http://www.fscs.org.uk or by telephoning 0800 678 1100 or 020 7741 4100

Acceptance and Amendments

These Terms of Business supersede all proposals, prior discussions, and representation (whether oral or
written) between us relating to the arranging and administration of your insurance policy. They constitute an
offer by us to arrange and administer your insurance, and by arranging or renewing your policy with us, you
are deemed to accept our offer to act on the basis of these Terms of Business, unless you notify us
otherwise.

No amendment or variation of these Terms of Business, requested by you, will be valid until agreed to by us
in writing. We reserve the right to amend these Terms of Business at any time by giving you not less than 7
days’ notice.

Law and Jurisdiction

These Terms of Business are governed by the Law of England and Wales. In relation to any legal
action, or proceedings, arising out of, or in connection with, these Terms of Business, the parties submit to
the non-exclusive jurisdiction of the English Courts.

You can click on to download or read the document as below :-

For policies issued on or after 1 February 2019

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