Terms and Conditions

We care about your safety. Please take some time to read the terms and conditions carefully.

Our Service and Your Demands and Needs

You will not receive advice or a 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 about how to proceed. We aim to treat our customers fairly at all times. If you are unsure about any aspect of our Terms of Business or have any questions regarding our relationship with you, please contact us. Our travel insurance products are intended to meet the demands and needs of individuals who have no excluded pre-existing medical conditions who require insurance protection for unforeseen risks relating to travel and are travelling to countries included within the policy terms. We have a range of travel insurance policies with variable sections of cover, excesses and sums insured. These include single trip and annual multi trip insurances. IMPORTANT - This policy will have been sold to you on a non-advised basis and it is therefore for you to read this information (paying particular attention to the terms and conditions and exclusions detailed in the policy wording issued to you) and ensure that it meets all of your requirements. You may already possess alternative insurance(s) for some or all of the features and benefits provided by our products; it is your responsibility to investigate this and to ensure the levels of benefits available are suitable for your needs.

Insurers

We work with insurers who are best suited to our requirements and we will not search the market for alternative suppliers on your behalf. No insurer owns any of our share capital. Unless we specify otherwise this Insurance is underwritten by: Lloyd’s Syndicates 4444 which are managed by Canopius Managing Agents Limited. Registered office: Gallery 9 One Lime Street, London, EC3M 7HA. Registered in England and Wales No. 01514453. It is entered in the Register of Lloyd’s Managing Agents and is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Unless we specify otherwise this Insurance is underwritten by:

Lloyd’s Syndicates 4444 which are managed by Canopius Managing Agents Limited. Registered office: Gallery 9 One Lime Street, London, EC3M 7HA. Registered in England and Wales No. 01514453. It is entered in the Register of Lloyd’s Managing Agents and is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Documentation

Your policy documents will usually be delivered to you by email and these should be printed out and carried with you whilst you are travelling. You may also request that these be sent to you by post. Our aim is to provide all correspondence in a simple and understandable format. It is important that you read all insurance documents issued to you and ensure that you are aware of the cover, limits, claim procedure and other terms that apply. Particular attention must be paid to any special conditions as failure to comply with them could invalidate your policy. In the event of any remaining areas of uncertainty, please contact us. Our staff are always happy to clarify the cover provided as we want to make it easy for you to do business with us.
SafeTravel Today recommend that clients retain all relevant paperwork to their insurance, as this may be useful for future reference. Payment

Payment

We provide our clients with a quotation before insurance arrangements are concluded. This will tell you the total price inclusive of any fees, taxes or charges. An administrative charge may be applied to adjustments made after commencement of cover.

Handling Money

Insurers have appointed us on a “Risk Transfer” basis to act as their agents in collecting premiums and handling refunds due to clients. In these circumstances such monies are deemed to be held by the insurer(s) with whom your insurance is arranged.

Remuneration and other Earnings

We receive remuneration for our services in a number of ways, usually by receiving a percentage of the insurance premium. We may also earn interest in the processing and collection of premiums and any such interest is to the account of SafeTravel.Today.

Cancellation of insurance and refunds

If the insurance does not meet with your requirements, you may return the documents to us within 14 days of purchase, or prior to travel if this is sooner, and provided no claims have been made a refund will be given after deduction of appropriate administrative charges. No refund is given for cancellation after this period, nor is any refund given for early return.

Mid Term Adjustments

In certain circumstances we may agree to adjust the terms of your Insurance policy after the 14 day cooling off period. There will usually be a minimum administration charge of £25 for each amendment, which we will charge to you at the time the adjustment is made.

Conflict of interests

Occasions may arise where we, one of our associated companies, clients, or insurers may have a potential conflict of interest with business being transacted for you. If this happens, and we become aware that a potential conflict exists, we will write to you and obtain your consent before we carry out your instructions and will detail the steps we will take to ensure fair treatment.

Confidentiality

All information provided by our clients is considered to be confidential and is only disclosed in the normal course of negotiation and maintenance of insurance transactions undertaken on their behalf. Globelink International will not release information to any other party without the prior consent of the client except in exceptional circumstances. For example, information requested by a court of competent jurisdiction, a regulatory body or information which is already in the public domain.

Use of Personal data

Subject to certain exceptions, you will be entitled to have access to your personal and sensitive personal data for which you will be charged a fee of £10. If at any time you wish us, or any company associated with us, to cease possessing any of the personal data we hold, or to cease contacting you about products and services, please write to our Compliance Officer.

Claims

Whilst we are happy to provide general information, SafeTravel.Today do not administer claims. It is therefore essential that you follow the claims procedure and contact the Claims Department without delay, directly at the telephone number detailed in your policy document, or on our website www.SafeTravel.Today

Complaints

In the event that our service does not meet your expectations, we ask you to contact us by contacting our Compliance Officer, either by phone or in writing. We will handle your complaint fairly and as part of our Quality Procedures, we will use it to maintain and improve our service. We will acknowledge your correspondence promptly, explain how we will handle it and tell you what the next steps will be. We will keep you informed of the progress of your complaint. If you wish to register a complaint that does not relate to a claim regarding general policy administration, please contact us in writing at:

Should an insured person remain dissatisfied with the outcome of his/her complaint from All Seasons Underwriting Agencies or HealthWatch Claims (as appropriate) his/her legal rights are not affected, and he/she may refer the complaint to Lloyd’s . Lloyd’s contact information is:

Complaints at Lloyd’s

Details of Lloyd's complaints procedure are set out in a leaflet "Your Complaint - How We Can Help", which is available at the website noted above. Alternatively, an insured person may ask Lloyd’s for a hard copy. If an insured person remains dissatisfied after Lloyd's has considered his/her complaint, he/she may have the right to refer his/her complaint to a local ombudsman or dispute resolution body within the European Economic Area.. The contact information is:

Bank of Greece

Hellenic Consumers Ombudsman

General Secretariat of Consumer Affairs

Legal, regulatory and other information.

Data Protection

Any information provided to us by you or any other insured person or regarding you or any other insuredperson will be processed by us in compliance with the provisions of the Data Protection Act 1998 for thepurpose of providing insurance and handling claims. This may necessitate providing such information to thirdparties.

All phone calls relating to applications and claims may be monitored and recorded and the recordings usedfor fraud prevention and detection, training and quality control purposes. Subject to the provisions of theData Protection Act 1998 you and any other insured persons are entitled to receive a copy of theinformation we hold about you or any other insured person. A fee may be charged for this. Such requestsshould be made to:

The Data Protection Officer

Canopius Managing Agents Limited

Any information you or any other insured person gives us will be used by us and we may also share thisinformation with other group companies. For more information on the Data Protection Act you may also write to the Office of the InformationCommissioner at:

Wycliffe HouseWater Lane

The Financial Services Compensation Scheme

We are covered by the Financial Services Compensation Scheme. Insured persons may be entitled tocompensation under the scheme if we are unable to meet our obligations to any insured person under thiscontact. Further information can be obtained from the Financial Services Compensation Scheme:

Several Liability Notice

The subscribing insurers' obligations under contracts of insurance to which they subscribe are several andnot joint and are limited solely to the extent of their individual subscriptions. The subscribing insurers are notresponsible for the subscription of any co-subscribing insurer who for any reason does not satisfy all or partof its obligations.

Sanctions

We shall not provide any benefit under this contract of insurance to the extent of providing cover, payment ofany claim or the provision of any benefit where doing so would breach any sanction, prohibition or restrictionimposed by law or regulation.

Rights of Third Parties

A person who is not a party to this policy has no right under the Contracts (Rights of Third Parties) Act 1999to enforce any term of this policy but this does not affect any right or remedy of a third party which exists or isavailable apart from that Act.

For your information, the Contracts (Rights of Third Parties) Act 1999 allows a person who is not a party to acontract to be able to enforce that contract if the contract expressly allows him to or if the contract confers abenefit upon him. However the Act will not be applied if the parties make it clear in the contract that the thirdparty does not have the right to enforce it. For further guidance please see www.legislation.gov.uk or contactthe Citizens Advice Bureau.

Applicable Law and Jurisdiction

Unless specifically agreed to the contrary this policy shall be governed by Greek Law and subject to theexclusive jurisdiction of the courts of Greece.