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Travel Insurance

This insurance contract is between you and White Horse Ireland Limited, a company registered in Ireland (Registered Company No. 306045), whose registered office is at Travel House, Free Zone West, Shannon, Co. Clare. White Horse Insurance Ireland Limited is authorised and regulated by the Central Bank of Ireland. You can check this with the Central Bank of Ireland by visiting their website www.centralbank.ie.

Type of insurance

This is personal travel insurance.

Significant or unusual exclusions and limitations

There are some situations that the policy does not cover. These generally involve anything you already know about or that is caused by deliberate or careless acts on your part. Full details of these are given in the Policy Wording document.

What to take with you when you travel

Please bring your Certificate of Insurance, your Policy Wording and, if applicable, your Medical Screening Declaration.

How to make a complaint

If you wish to register a complaint, please contact White Horse Insurance Ireland Limited in writing at:
The Customer Experience Manager
White Horse Administration Services Limited PO Box 5633
Walsall
WS6 9BB
England

We are covered by the Financial Ombudsman Service. If you have made a complaint to us and we have been unable to resolve it, you may be entitled to refer it to this independent body at:
South Quay Plaza
183 Marsh Wall
London
E14 9SR
Telephone: 0845 080 1800

Call monitoring and recording

We are committed to provide you with the highest standards of service, so we may monitor and record your call for training purposes.

Price changes

Essential Travel is committed to providing the highest standards and the best selection of products, at the best prices, so we continually review our products and prices. This means that prices can increase or decrease.

Tax

All of our prices include IPT at the current rate.

Credit and debit card charges

We reserve the right to levy non-refundable surcharges for payment by debit or credit card. The scale of this will be clearly stated before any policy is confirmed. Your statement will show that payment has been process by Essential Travel.

Cooling-off period

Unless your trip has already started, you have the right to cancel your policy within 14 days from the date of issue or receipt of your policy documents - whichever is later. We will refund you any premium you have paid and will recover from you any payments we have made. No other right to cancel exists under this policy.

Amendments

Should you need to amend your policy, please email us at - customerservices@essentialtravel.co.uk

Data Protection Act 1998 Notice

Essential Travel and White Horse Ireland Limited collect and maintain personal information in order to underwrite and administer the policies of insurance that we issue. Should you not wish your details to be used for marketing purposes, or if you require a copy of the personal information we hold, this can be requested by writing directly to White Horse Ireland Limited.