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Terms & Conditions

Terms & Conditions
Postcard Travel Insurance and postcardtravelinsurance.co.uk are trading names of Travel Insurance Facilities Plc (trading as tifgroup). FCA reference number: 306537.

tifgroup specialises in providing travel insurance policies. Our travel insurance cover is provided by Union Reiseversicherung AG an insurer registered in Germany. However, tifgroup is the company that administers and arranges your travel insurance, therefore please see below for information on our services.

How to make a claim
Within your policy wording there is a section on how to make a claim. Please click on this link for the appropriate claim form that will need to be completed and produce documentation to support your claim https://www.postcardtravelinsurance.co.uk/claims-information/ You must report all incidents that could give rise to a claim as soon as you are aware of the incident, most importantly in the event of you needing emergency medical attention abroad, you must contact the Emergency Assistance helpline.

The policy wording will provide you with information on what we will pay for in the event of a claim and/or situations which are excluded from cover. Therefore, please ensure you have read your policy wording within the 14-day cooling off period or call our helpline to clarify what you’re covered for. We will help you with all your questions.

If you feel that the policy you purchased is not to your satisfaction and provided you have not travelled and/or made a claim and you are within the 14-day cooling off period, we are happy to provide a full refund of the premium you have paid.

In the event, you wish to cancel your policy after the 14-day cooling off period and considering there has been no claims on the policy and/or you have not travelled then please see below:
In addition to a £15 administration charge.

Single Trip policies – In the event you have not travelled and are not claiming on the policy, a refund of 50% of the policy premium and any additional premium applied to your existing medical conditions will apply. If you are intending to claim, or have made a claim (irrespective of whether your claim was successful or not) we will not consider refunding any proportion of your premium.

Multi Trip policies – Provided you have not made a claim (irrespective of whether your claim was successful or not) on the policy and you confirm in writing that there is no claim pending, should you choose to cancel and understand that all benefits of the policy will be cancelled, we will refund 5% of the total premium paid, for each full calendar month remaining on the policy from the date of cancellation. If you have travelled or are intending to, or have claimed (irrespective of whether your claim was successful or not) we will not consider refunding any proportion of your premium.

We reserve the right to give 7 days’ notice of cancellation of this policy, without refund, by recorded delivery to you at your last known address in the event of the following circumstances; fraud, suspected fraud, misleading information or deliberate misrepresentation, abusive behaviour to any of our staff or agents.

How to make a complaint
Customer centricity remains of paramount importance to us. If any of our customers are dissatisfied we abide by a complaints procedure to ensure they are treated fairly. If you wish to register a complaint and/or request a copy of our complaints procedure please contact us either:
In writing and address it to: Quality & Improvements Manager, Travel Insurance Facilities Plc, 1, Tower View, Kings Hill, West Malling, Kent ME19 4UY
By telephone: 0203 829 38892
By email to complaints@tifgroup.co.uk
If you cannot settle your complaint with us you may be entitled to refer it to the Financial Ombudsman Service (FOS). You can find out more about this by visiting the FOS web site at www.financial-ombudsman.org.uk. You are also able to use the EC On-line Dispute Resolution (ODR) platform at https://ec.europa.eu/consumers/odr who will notify FOS on your behalf.

 

Quotations
Unless stated otherwise in the documentation we have provided to you, all quotations for new insurances are valid only for a period of 28 days from the date of issue. Please note that if you have made a medical declaration then quotations are only valid for 14 days from the date of issue.

You should be aware that quotations may change or be withdrawn if the information given to us or your insurers in proposal forms or declarations differs from that provided at the time the quotation was issued.

 

Website
Access to and use of this Internet Web site (referred to as this “Site”) is governed by the terms and conditions set out below, as well as any applicable laws, statutes, ordinances and regulations. By browsing, visiting or otherwise accessing or using this Site, you agree to abide by the terms and conditions set out below. As used in this Site, the term “tifgroup” is intended to include Travel Insurance Facilities Plc and its respective divisions, subsidiaries and affiliated companies.

The information contained in this Site has been prepared solely for the purpose of providing information about travel insurance products and the services it offers.

By accessing this Site you agree that tifgroup will not be liable for any direct, indirect or any other loss not specified in this policy arising from the use of the information and material contained in this Site or from your access of other material on the internet via web links from this Site. The above exclusions and limitations apply only to the extent permitted by law.

The copyright in the material contained in this Site and any Travel Insurance Facilities Plc trademarks and brands included in that material belongs to Travel Insurance Facilities Plc or its licensors. Any person may copy any part of this material from this Site, subject to the following conditions:

The material may be used only for that person’s own personal use for non-commercial purposes; The copies must retain any copyright or other intellectual property notices contained in the original material; and the products, technology or processes described in this Site may be the subject of other intellectual property rights reserved by Travel Insurance Facilities Plc or by other third parties.

No licence is granted in respect of those intellectual property rights. Images, trademarks and brands displayed on this Site are protected by copyright, trade mark and other intellectual property laws and may not be reproduced or appropriated in any manner without written permission of their respective owner(s).

You may not, however, distribute, modify, transmit, reuse, report, or use the contents of this Site for public or commercial purposes, including the text, images, audio and video without the written permission of Travel Insurance Facilities Plc.

Your access and use of this Site is also subject to the following Terms and Conditions and all applicable laws. By accessing and browsing this Site, you accept, without limitation or qualification, these Terms and Conditions and acknowledge that any other agreement between you and Travel Insurance Facilities Plc is superseded and of no force or effect.

You should assume that everything you see or read on this Site is copyrighted unless otherwise noted and may not be used except as provided in these Terms and Conditions or in the text on this Site without the written permission of tifgroup. tifgroup neither warrants nor represents that your use of materials displayed on this Site will not infringe rights of third parties not owned by or affiliated with tifgroup.

While tifgroup uses all reasonable efforts to include accurate and up-to-date information on this Site, tifgroup makes no warranties or representations as to its accuracy. tifgroup assumes no liability or responsibility for any errors or omissions in the content on this Site.

Your use and browsing of this Site is at your own risk. Neither tifgroup nor any other party involved in hosting or delivering this Site is liable for any direct, incidental, indirect, or any other loss not specified in this policy or punitive damages arising out of your access to, use of, this Site. Without limiting the foregoing, everything on this Site is provided to you “AS IS” without warranty of any kind, either expresses or implied, including but not limited to, the implied warrantied or merchant ability, fitness for a particular purpose, or non-infringement. Please note that some jurisdictions may not allow the exclusion of implied warranties, so some of the above exclusions may not apply to you. Check your local laws for any restrictions or limitations regarding the exclusion of implied warranties. tifgroup also assumes no responsibility and shall not be liable for any damages to, or viruses that may infect your computer equipment or other property on account of your access to, use of, or browsing of this Site or the downloading of any materials, software, data, text, images, video, or audio from this Site.

Any communication or material you transmit to this Site by electronic email or otherwise, including any data, questions, comments, suggestions, or the like is and will be treated as, non-confidential and non-proprietary. Anything you transmit or post may be used by tifgroup or its affiliates for any purpose, including but not limited to reproduction, disclosure, transmission, publication, broadcast, and posting. Furthermore, tifgroup is free to use any ideas, concepts, know-how, or techniques contained in any communication you send to this Site for any purpose whatsoever, including but limited to developing and marketing services using such information.

Images of people or places displayed on this Site are either the property of, or used with permission by, tifgroup. The use of these images by you, or anyone else authorised by you, is prohibited unless specifically permitted by these Terms and Conditions or specific permission provided elsewhere on this Site. Any unauthorised use of the images may violate copyright laws, trademark laws, the laws of privacy and publicity, and communications regulations and statutes.

The trademarks, logos, and service marks (collectively the “Trademarks”) displayed on this Site, including tifgroup, are the property of tifgroup. Nothing contained on this Site should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any Trademark displayed on this Site, without the permission of tifgroup or such third party that may own the Trademarks displayed on this Site. Your misuse of the Trademarks displayed on this Site, or any other content on this Site, except as provided in these Terms and Conditions, is strictly prohibited. You are also advised that tifgroup will enforce its intellectual property rights to the fullest extent of the law, including seeking of criminal prosecution.

tifgroup has not reviewed all of the sites linked to this Site and is not responsible for the contents of any off-site pages or any other sites linked to this Site. Your linking to any other off-site pages or other sites is at your own risk.

Although tifgroup may from time to time monitor or review discussions, chats, postings, transmissions, bulletin boards and the like on this Site, tifgroup is under no obligation to do so and assumes no responsibility or liability arising from the content of any such locations not for any error, defamation, libel, slander, omission, falsehood, obscenity, pornography, profanity, danger, or inaccuracy in any information contained within such locations on this Site. You are prohibited from scandalous, inflammatory, pornographic or profane materials or any material that could constitute or encourage conduct that would be considered a criminal offence, give rise to civil liability, or otherwise violate any law. tifgroup will co-operate with any law enforcement authorities or court order requesting or directing tifgroup to disclose the identity of anyone posting any such information or materials.

tifgroup may at any time revise these Terms and Conditions by updating this posting. You are bound by any such revisions and should therefore periodically visit this page to review these current Terms and Conditions to which you are bound.

 

Hyperlink Policy
This Site contains links to other company web sites. tifgroup is not responsible for the privacy practices or the content of such web sites and accepts no liability for any loss or damage you may suffer when linking to these.

 

Logo Links
On some occasions a logo hyperlink will be accepted, again this will need to be approved by Corporate Marketing Communications. If the logo is used on this site, written permission must be sought from the third party. This will protect tifgroup in terms of breach of copyright, preventing any ambiguity between both parties. A written copy of express permission logo usage approval (letter or email accepted) detailing the usage rights of their logo must be forwarded on to Corporate Marketing Communications for reference purposes.

 

Denied Links
No links will be given to the following sites that include or promote the following: pornography, terrorism, racism, political views, any criminal activity and direct competitors.

 

Hyperlink Disclaimer Notice
All third parties will need to be made aware of the following:

Please note that hyperlinks are given for information purposes only and there is no inferred recommendation as to the companies listed on this Site. tifgroup does not take any responsibility for the quality of service these organisations provide.

tifgroup will reserve the right to remove any hyperlinks at any time without prior consultation with third parties.

 

 

 

*15% online discount is applied to all online purchases compared to our Customer Service Centre pricing.
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Postcard is a trading name of Travel Insurance Facilities Plc, which is authorised and regulated by the Financial Conduct Authority FRN306537. tifgroup is trading name of Travel Insurance Facilities Plc registered in England No. 3220410 ©. tifgroup ; all rights reserved. Registered Office: 1 Tower View, Kings Hill, West Malling, ME19 4UY.