These terms and conditions set out how the Spectrum Travel Insurance website (the "Website") can be used and users agree to be bound by them.
In these terms and conditions, "we" and "us" means Spectrum Travel Insurance, a division of Travel Insurance Facilities Plc. (company number 03220410) whose registered address is 1 Tower View, Kings Hill, West Malling, Kent, ME19 4UY.
- Access to the Website and content
We aim to provide uninterrupted access to the Website, but there are times when this may not be possible for reasons outside of our control.
We reserve the right to change, modify, substitute, suspend or remove without notice any information or service on the Website from time to time.
We assume no responsibility for the content or services of any external websites that link to or from the Website.
Operating Systems, Browser and Device Support
We support the latest two major versions of operating systems for Microsoft Windows™, Apple Mac OS® / iOS® and Android®. We support the latest two major releases of Google Chrome, Safari®, Firefox®, Microsoft Edge™ and Internet Explorer® on a rolling basis. It is recommended for both your system security and optimum performance when using the internet that operating systems and browsers are kept up to date.
We regularly test the Website on a number of devices, including tablets and mobile devices, to ensure compatibility and whilst every care is taken to fix bugs reported, we accept no liability for browser related errors and user operational errors.
Please note the lowest resolution currently supported on a PC is 1024x768.
We grant you a non-exclusive, revocable, non-transferable licence to use the software and systems that run this Website in order to obtain quotes for and purchase travel insurance and access related services.
We offer a wide range of insurance products and insurance-related services through the Website. You are entirely responsible for deciding whether or not to purchase any of these products or services. Whilst the Website may offer helpful information on general insurance matters it does not seek to advise you on which particular products and services to purchase or any particular organisation to purchase them from. Nor shall anything be deemed to constitute financial advice; all material is for general information purposes only. You should review the specific terms that apply to any particular product or service before buying. If you are unsure whether an insurance product or service offered by the Website is suitable for your needs or specific requirements, please contact us, the relevant supplier or seek independent professional advice before making a purchase.
Any quotation that we have issued in writing which includes a discount will be valid for 14 days from the date of the quotation.
- Discounts and Promotions
Discounts and promotions cannot be used in conjunction with any other offer, promotion or discount voucher and apply to new purchases only.
Unless a discount is offered specifically via a third party channel or provider, any discount displayed on Spectrum Travel Insurance marketing materials is only available when purchasing a policy directly from Spectrum Travel Insurance.
Spectrum Travel Insurance reserves the right to withdraw or amend discounts and/or promotions at anytime.
- Automatic renewals for annual multi trip policies
To ensure you have continuous cover all our annual policies follow an automatic renewal process. We will write to you at least 3 weeks before your policy is due to expire and tell you about the new premium, including any Loyalty Discount and any changes to the policy terms and conditions. If you are happy with the renewal information, you do not need to contact us as we will automatically collect your premium and renew your policy. If you wish to make changes or opt-out from our automatic renewal process, please contact us by email on email@example.com or by calling 0800 840 7227 in advance of the selected renewal date.
- Intellectual Property
All intellectual property rights (including copyright) in the Website, together with all design, text and graphics, and their selection and arrangement, and all software compilations, underlying source code and software (including applets) belong to us or our licensors. All rights are reserved. No material may be reproduced or redistributed without our prior written permission. You may, however, retain a single copy of material for your own non-commercial offline viewing in connection with a product or service purchased from the Website.
All rights in Spectrum Travel Insurance are owned by Travel Insurance Facilities Plc. Other product and company names mentioned on the Website are the trademarks or registered trademarks of their respective owners.
You retain ownership of any non-personal data you submit to the Website but you grant us a worldwide, royalty-free, non-terminable licence to collect, use and distribute such non-personal data in any manner.
- Data security and protection
- Exclusions of liability
We use reasonable endeavours to ensure that the data on the Website is accurate and undertake to correct any errors or omissions on being notified of them. However, we do not guarantee that the Website will be fault-free and we do not accept liability for any errors or omissions, other than as provided for in law.
We do not monitor, verify or endorse information submitted by any third party suppliers for inclusion on the Website and you should be aware that such information may be inaccurate, incomplete or out of date. To the extent permitted by applicable law, we disclaim all warranties, terms and representations (whether express or implied) as to the accuracy of any information contained on the Website.
We do not give any warranty that the Website is free from viruses or anything else which may have a harmful effect on any technology, though we will take reasonable endeavours against this.
Due to the nature of electronic transmission of data over the internet, any liability we may have for any losses or claims arising from an inability to access the Website, or from any use of the Website or reliance on the data transmitted using the Website, is excluded to the fullest extent permissible by law.
Nothing in these terms and conditions excludes or limits our liability for death or personal injury caused by our negligence or for our fraud, or excludes or limits our duties or any liability under the Financial Services and Markets Act 2000, as amended, ("FSMA") or any conduct of business rules developed pursuant to FSMA.
Subject to liability which we accept above: (a) our aggregate liability to you arising out of or in connection with this agreement or use of the Website shall not exceed £100; and (b) we shall not be liable in contract, tort or otherwise howsoever arising out of or in connection with this agreement or use of the Website for any losses not directly associated with such*, loss of profits, data, revenue, business opportunity, anticipated savings, goodwill or reputation.
* For losses that were not foreseeable to both parties when the contract was made or caused by a breach by a supplier.
These clauses do not affect your statutory rights.
Regardless of whether you access any reviews about the products and services offered here on a third party’s site or read a user review on our site, the views expressed therein do not represent the views of Travel Insurance Facilities Plc or any of its associated companies and we are not responsible for the accuracy of any such views or expressions.
The advertisements that you see displayed on the Website may be delivered on our behalf by a third-party advertising company who may place or recognize a unique "cookie" on your browser. This cookie does not collect personal data about you nor is it linked to any personal data about you. If you would like more information about this practice and to know your choices about not having this information used by this company, please email firstname.lastname@example.org.
- Your obligations
You will take all reasonable precautions to ensure that any data you submit to the Website is free from viruses or anything else which may have a contaminating or destructive effect on any part of the Website or any other technology.
- Payment & Security
Full payment for products and services on the Website should be made at the time of booking and payment methods other than those stated on the Website will not be accepted. We reserve the right to charge you for any handling fees arising in respect of your booking. You will be informed of such charges before they are incurred.
All transactions made through the Website are protected by Secure Socket Layer technology which uses a secure server with advanced encryption algorithms to ensure your details are safe during transmission.
We may terminate or suspend your access to the Website and the services within at any time. All disclaimers, indemnities and exclusions in these terms and conditions shall survive termination of the agreement between us for any reason.
The Website is for your non-commercial, personal use only and must not be used for the purposes of business operations. For clarification, the booking of insurance for business trips is acceptable.
If any provision of this agreement is held to be unlawful, invalid or unenforceable, that provision shall be deemed removed and where relevant the validity and enforceability of the remaining provisions of this agreement shall not be affected.
If we fail to enforce a right under this agreement, that failure will not prevent us from enforcing other rights or the same type of right on a later occasion.
We may modify these terms and conditions at any time. Your continued use of the Website signifies your acceptance of such modifications. We may assign or transfer our rights under this agreement due to a re-organisation of trade or share sale, or to any company in the Travel Insurance Facilities Plc group of companies for our convenience.
No term of this agreement is enforceable under the Contracts (Rights of Third Parties) Act 1999 by any person who is not a party to it.
These terms and conditions are governed by and construed according to English law. Any disputes shall be subject to the exclusive jurisdiction of the English courts, to which each party submits.