Demands and needs
Extramile Global Travel Insurance arranged by AICUK Ltd is typically suitable for travel customers who wish to insure themselves for medical emergencies, delayed or missed departures, cancellation and curtailment, lost, stolen or delayed possessions, loss of travel money and passport, personal accident, personal liability and legal expenses while travelling. As we do provide cover to higher risk territories as well as more normal travel destinations we have designed our policy as standard to include specialist cover for political and natural catastrophe repatriation and specialist contingency management (Responsive Disaster Recovery cover).
The levels of cover may vary depending on which option you choose and where you travel.
Travel insurance does not cover everything. You should read this policy carefully to make sure it provides the cover you need.
You may already possess alternative travel, personal or business insurance for some or all of the features and benefits provided by this travel insurance product. It is your responsibility to investigate this.
AICUK Ltd has not provided you with any recommendation or advice about whether this product fulfils your specific insurance requirements.
About our insurance product
- The Financial Conduct Authority (FCA)
The FCA is the independent watchdog that regulates financial services. Use this information to decide if our services are right for you.
- Whose products do we offer?
We only offer products from a single insurer.
- What services will we provide you with?
You will not receive advice or a recommendation from us for travel 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.
- What will you have to pay us for our services?
- Who regulates us?
AICUK Ltd is authorised and regulated by the Financial Conduct Authority. Our Financial Services Register number is 480041. You can check this on the Financial Services Register by visiting the FCA’s website www.fca.org.uk/register or by contacting the FCA on 0800 111 6768.
What to do if you have a complaint?
If you wish to register a complaint, please contact us:
- In writing: AICUK Ltd (Co. No.09041775) registered in England and Wales at Office 1 And 2 203 205 The Vale, London, England, W3 7QS.
- By email: use our contact form.
- Are we covered by the Financial Services Compensation Scheme (FSCS)?
All administration for the Extramile Insurance product is managed by ES Risks Ltd who are covered by the FSCS. All premiums are collected by ES Risks Ltd and paid directly to Lloyds of London and retained under deed by ES Risks Ltd (who are authorised and regulated by the Financial Conduct Authority) to ensure adequacy of insurance cover and a reserve for all claims.
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. Insurance advising and arranging is covered for 90% of the claim with no upper limit. Further information about the compensation scheme arrangement is available from the FSCS, telephone number 0800 678 1100 or +44 (0)20 7741 4100, or by visiting their website at www.fscs.org.uk.
Your Duty of Disclosure
You must take reasonable care not to make a misrepresentation to the insurer. This means that all the answers you give and statements you make as part of your insurance application, including at renewal and when an amendment to your policy is required, should be honest and accurate. If you deliberately or carelessly misinform the insurers, this could mean that part of or all of a claim may not be paid.
If the insurance is arranged wholly or mainly for purposes related to your trade, business or profession you have a duty to disclose all material facts whether or not we ask for specific information. This duty applies throughout the life of your policy, and when you renew your insurance. Material facts are any facts which may influence the insurer’s decision to accept the policy and/or what terms are applied. Failure to disclose a material fact may invalidate your insurance and could mean that your claim will not be paid.
These are purely an overview of the main cover that we provide within each Policy and the main excesses that apply to the Policy. You can download the ‘Policy document’ and ‘Confirmation letter’ from the Documents download section below referred to each product to review full details of the cover, terms, conditions, exclusions and excesses that apply to each policy.