Status Disclosure Document
Rush Insurance Services Limited t/a First Travel Insurance
a: Barham Court, Teston, Kent, ME18 5BZ.
tel: 0344 482 7760
Status Disclosure Information
The Financial Conduct Authority (FCA) is the independent regulator of financial services. Use this information to decide if our services are right for you.
This insurance is provided by First Travel Insurance which is a trading name of Rush Insurance Services Limited who are authorised and regulated by the Financial Conduct Authority (Firm Reference Number 714385) and which is permitted to arrange general insurance contracts.
First Travel Insurance only offer Stand Alone Travel Insurance from single insurers. Details of insurers may be provided on request.
We do not charge fees for our insurance related services. We may receive a commission from the product provider.
We hold any insurance money (premiums, refunds or claims money) as the agent of the insurer under a risk transfer agreement.
You WILL NOT receive advice or a recommendation from us for 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.
We always aim to provide a first-class service, however if you have any cause for complaint any enquiry can be raised by either email at enquiries@rushinsurance.co.uk, in writing to the Customer Services Manager, Rush Insurance Services Limited, Suite 3A, Warwick House, Warwick Road, Old Trafford, Manchester M16 0QQ or by telephoning 0344 482 7760. Should you remain dissatisfied you have the right to ask the Financial Ombudsman Service to review your case. You should write to the Financial Ombudsman Service, Exchange Tower, Harbour Exchange Square, London E14 9SR. Telephone 0800 023 4567 or 0300 123 9123 if calling from a mobile, or email complaint.info@financial-ombudsman.org.uk or visit the website www.fos.org.uk
You are also able to use the EC Online Dispute Resolution (ODR) platform at http://ec.europa.eu/consumers/odr/. You may be entitled to compensation should we be unable to meet our liabilities as an insurance intermediary under the Financial Services Compensation Scheme. Your entitlement to compensation will depend upon the type of business and the circumstances of your claim. Insurance advising and arranging is covered for 90% of the claim, without any upper limit or for compulsory classes of insurance, insurance advising and arranging is covered for 100% of the claim, without any upper limit. Further information about compensation scheme arrangements is available from FSCS.
Details of Rush Insurance Services Limited’s authorisation can be confirmed by contacting the FCA on free-phone 0800 111 6768 or 0300 500 8082 or by visiting the FCA’s website https://register.fca.org.uk
Demands and Needs Statement – Travel Insurance
This travel insurance policy will suit the Demands and Needs of an individual, or group (where applicable) who have no pre-existing medical conditions, are travelling to countries included within the policy terms and who wish to insure themselves against the financial impact of specified unforeseen circumstances/events relating to or occurring during their trip. Subject to policy exclusions, terms, conditions and maximum specified claim limits; full details of which may be found in your policy booklet. If you do not have one of these please ask for a copy to aid you in making your own informed buying decision.
Important Information
You may already possess alternative insurance(s) for some or all of the features and benefits provided by products purchased; it is your responsibility to investigate this. We will not provide you with advice about the suitability of this product for your individual needs but we will be happy to provide you with factual information to assist you in making an informed buying decision.
All policies have exclusions and restrictions to them. It is very important that you read and understand these and only purchase the policy if you are happy that you and (where applicable) every member of your party meet the eligibility criteria: Specifically, for travel our policy may NOT be applicable for you if:
◦ You are over the maximum specified age at the time of your trip
◦ You have pre-existing medical conditions
This insurance is provided by First Travel Insurance, which is a trading name of Rush Insurance, who are authorised and regulated by the Financial Conduct Authority (Firm Reference Number 714385) and which is permitted to arrange general insurance contracts.
Examples of these and other conditions and restrictions and what to do if you are unsure about any aspect of an exclusion are contained within your policy information.
If after purchasing a policy should you find it does not meet your requirements you have 14 days from the date of issue, or prior to travel (whichever is sooner) to cancel the policy.
If you do decide to cancel your money will be refunded in full, provided no claims have been made or incident likely to give rise to a claim has arisen.
Travel policies will not cover travel to areas where the Foreign and Commonwealth Office has advised against ‘all travel’. If you are not sure whether there is a travel warning for your destination, please check with the Foreign and Commonwealth Office (phone 020 7008 1500 or visit their website at www.fco.gov.uk).
It is your responsibility to do this and no information or guidance will be provided by ourselves in this regard.
Confidentiality and Data Protection
Your information will only be disclosed/provided to third parties for the purposes of providing, arranging, administering and renewing insurance contract(s) and for the purposes of monitoring and/or enforcing compliance with insurance regulatory rules/codes. For full details of where your information will be sent and the purpose of such data transfer, please ask us.
I have read and understand the above information and confirm that I have been provided with a copy of this document together with all relevant policy documentation to enable me to make an individual informed buying decision based on my own personal circumstances and the merits of the policy. This buying decision was my own and I did not receive a personal recommendation or advice from Rush Insurance Services Limited.
Please keep this page with your insurance policy documents.
If you are intending to purchase an insurance product you confirm that you did not receive any recommendation or advice from us regarding the suitability of the product for your circumstances; that you have received the documentation below * and had the opportunity to review and question any items that may be unclear to you and that you have made an individual informed buying decision based on your own personal circumstances and the merits of the policy:
◦ This document (status disclosure)
◦ A policy booklet or similar, detailing policy terms, conditions, exclusions and your cancellation rights
◦ Price information including all applicable taxes and where applicable interest payments
If you have not had access to these documents please ask a member of staff who will be happy to assist.
