TERMS OF BUSINESS

This Terms of Business Agreement (‘Agreement’) supersedes any similar agreements previously issued by us. It sets out the terms upon
which we agree to act for our clients and contains details of our regulatory and statutory responsibilities. It also sets out some of your
responsibilities. Please read it carefully. Please contact us immediately if there is anything in this Agreement which you do not
understand or with which you disagree.
ABOUT US
Cover-More Blue Insurance Services Limited trading as Annualtravelinsurance.com, , Blueinsurance.co.uk, Carhireexcess.co.uk,
Carhireexcess.com, Covermywedding.co.uk, Greatcover.com, Insureyourpaws.co.uk, Multitrip.com, is a private limited company incorporated
in Ireland with company number 345681 and with its UK branch office registered at 82 Oxford Road, Uxbridge, Middlesex, UB8 1UX. It is
authorised and regulated in the United Kingdom by the Financial Conduct Authority, Firm Reference No. 984290. You can check this
information on the FCA website https://register.fca.org.uk/ or by calling 0800 111 6768 (freephone) or 0300 500 8082. We are also
members of the British Insurance Brokers’ Association (BIBA).
Our head office is located at Plaza 255, Blanchardstown Corporate Park 2, Blanchardstown, Dublin 15, Ireland. Our UK branch office is
located at Parkview, 82 Oxford Road, Uxbridge, UB8 1UX.
The Cover-More Group Limited owns 100% of our share capital. The ultimate shareholder of Cover-More Group Limited is Zurich
Insurance Group.
We are contractually bound to offer you products from the insurer(s) listed at the end of this document only.
WHO DO WE ACT FOR?
Throughout the period of insurance, we act on behalf of both you and the insurer. When sourcing a suitable product and placing the
insurance, we will act as your agent. When we issue policy documents to you, we act on behalf of the insurer.
We act as an agent of the insurer, for the collection and refund of premiums. This means that premiums are treated as being received by
the insurer when received in our bank account and that premium refund is treated as received by you when it is paid over to you.
We review the position of the insurer periodically to ensure that they still meet the requirements of our customers
DO WE MAKE PERSONAL PRODUCT RECOMMENDATIONS OR OFFER ADVICE?
We neither make personal recommendations nor give advice in relation to the product(s) we have identified as suitable for your demands
and needs. You must make your own decision based on the product information provided. A list of the insurers with whom we may and do
place business is provided at the end of this document.
HOW WE PLACE BUSINESS?
Depending on the product purchased, will place your insurance directly with the insurer. For certain products we will place your insurance
using the services of another intermediary or a managing general agent. Further details on this can be found at the end of this document.
INSURER SECURITY
Whilst we monitor the financial strength of the insurers with whom we place business it should be noted that the claims-paying ability of
even the strongest insurers could be affected by adverse business conditions. We cannot, therefore, guarantee the solvency of any insurer
or underwriter.
A liability for the premium, whether in full or pro rata, may arise under policies where a participating insurer becomes insolvent.
RISK INFORMATION
The terms of any insurance that we arrange on your behalf will be based upon the information provided by you to us or to your insurers.
You must take reasonable care to answer all questions put to you about your proposed insurance fully, honestly and to the best of your
knowledge. If you do not understand the meaning of any question, or if you do not know the answer, it is vital that you tell us. Once cover
has been arranged, you must immediately notify us of any changes to the information that has been previously provided. The most serious
consequence of failing to provide full and accurate information before you take out insurance, or when your circumstances change, could
be the invalidation of your cover. In that instance it would mean that a claim will be rejected.
You are advised to keep copies of any correspondence you send to us or direct to your insurers.
METHODS OF PAYMENT
We accept payments by debit and credit card only.
SETTLEMENT TERMS
You are responsible for the prompt settlement of insurance premiums so that we can make the necessary payments to your insurers.
We have no obligation to fund any premiums on your behalf and cannot be held responsible for any loss which you may suffer as a result
of a policy being cancelled or otherwise prejudiced due to the late payment of a premium where the delay is attributable to you.
QUOTATIONS
Unless stated otherwise in our documentation, all quotations provided for new insurances are valid only for a period of 24 hours from the
time of issue. You should be aware that quotations may change or be withdrawn if the information given to us differs from that provided at
the time the quotation was issued.
RECEIPT OF INSTRUCTIONS
We do not consider instructions to arrange or change cover which are sent to us by post, electronic mail/messaging services or facsimile,
or left on voicemail, to have been received until they reach the relevant personnel in our offices. We do not accept responsibility for
instructions which do not reach us at all due to failures in the postal, electronic or telecommunications systems.

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CHANGES TO YOUR COVER
We will normally deal with any requests to increase or amend cover on the day your instructions are received, or the next working day if a
weekend or public holiday. Sometimes changes cannot be processed without obtaining additional information. If additional information is
required we will contact you as quickly as possible.
We will confirm changes to your policy, once agreed, in writing. We will also advise you of any extra premiums you must pay or premiums
we must return to you.
OUR REMUNERATION
Unless we tell you otherwise before you take out or renew an insurance policy with us, we are remunerated for our services in the form of
commission from the insurer, which is either a percentage of the total annual premium payable or a reasonable amount determined by us
plus any charges (see below) we ask you to pay us in addition to the premium. Our entitlement to commission, where this forms part of or
all of our remuneration, arises as soon as you give us instructions to take out or renew a particular policy. We have profit share
agreements in place with the insurer whereby if the portfolio is profitable then the insurer will pay us a share of this.
For each policy, including any subsequent renewal, you have a right to request further information about the remuneration we receive as a
result of placing your insurance business.
OUR CHARGES
We make the following charges in addition to the insurance premium you are asked to pay. In all cases we will inform you of the exact fee
applicable in advance of it becoming due. Where no fee is specified, no fee is being charged.
• A non-refundable administration fee of up to £9.95 will be added to all insurances purchased from us.
• If you purchase a policy via our Call Centre, you will incur a non-refundable call centre fee of up to £11.00.
• You will be charged a single, non-refundable fee of £0.99 for the provision of information about a policy purchase which is sent to your
designated mobile telephone phone number by text (see use of Short Message Services below). Please note that we will not be
responsible for any additional charges made by your mobile phone network operator for the provision of this service.
• We reserve the right to charge up to £4.50 for processing any changes which you ask us to make to your policy after the point of
purchase.
DOCUMENTATION
Our aim is to provide all relevant documentation and issue correspondence in a clear and understandable format. In the event that
clarification is required, we would ask you to let us know immediately.
You should check all policy documentation to ensure that the details are correct and the cover provided meets with your requirements. Any
errors should be notified to us immediately.
All policies contain conditions and exclusions and some contain warranties and excesses. It is your responsibility to examine the document
to familiarise yourself with these. A breach of a policy condition may result in non-payment of a claim if compliance with that condition
would have reduced the risk of the loss which actually occurred. Breach of a warranty may suspend the insurer’s liability to pay any claims
directly related to such breach, until such time that the breach has been remedied.
We recommend that you keep policy documents for as long as a claim is possible under the policy.
RENEWALS
Applies to Annual Policies for Car Hire Excess, Gadget, Pet Insurance and Multi Trip Travel only
Automatic Renewal Service: Where we have indicated your policy is subject to the automatic renewal service, we will notify you by email
6 weeks before the renewal date of your policy and tell you about any changes to the premium or the policy terms and conditions. We will
collect the premium due two weeks before the renewal date of your policy via the same payment method used the year previous, unless
you tell us not to.
If you do not want to us to auto-renew your policy just call us on the telephone number stated in your booking confirmation / auto-renewal
notice or, where available, logon to your online account and select the option to cancel the auto-renewal from the dropdown menu, otherwise
we will collect the renewal premium. You can request cancellation of the auto-renewal by email at least 48 hours before your payment due
date however, the most effective way to cancel the auto-renewal is by telephone or via your online account.
You should also note that your renewed policy will only be valid when:
• you have told us about any changes to your policy details. For Travel Insurance this includes any changes in health conditions as you
will still be required to contact the medical screening company to declare any pre-existing medical conditions; and
• your credit card or debit card details have not changed.
The auto renewal service relies on the credit/debit card details still being valid. If the credit/debit card details have changed within the last
12 months you must contact us to process the booking over the phone. If you do not receive confirmation of your new policy, you must
contact us to confirm/renew cover.
For the facilitation of the auto renewal service we will assume that your details have not changed, and you have the permission of the card
holder unless you inform us otherwise.
Standard Annual/Multitrip Renewals: If your policy is not due to be automatically renewed, we will notify you by email 31 days before the
renewal date of your policy.
Applies to Gadget Insurance Insurance only
Monthly Policies: If you pay for your policy monthly then your policy will renew monthly on the same day each month provided the monthly
premium is paid.
CONFLICTS OF INTEREST
If we become aware of a situation which gives rise to an actual or potential conflict of interest we will inform you of the situation, the options
available to you and obtain your consent before we carry out your instructions.

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LAW AND JURISDICTION
This Agreement shall be governed by and construed in accordance with English Law. In relation to any legal action or proceedings arising
out of or in connection with this Agreement we both irrevocably submit to the exclusive jurisdiction of the English courts.
CANCELLATION RIGHT
If you take out a personal policy through us which lasts for more than one calendar month, you may cancel the cover up to 14 days from
the later of:
• The policy start date or the date you receive full policy documentation from us
• The renewal date or the date you receive full renewal documentation from us
You will be informed if you have such a Cancellation Right in separate documentation.
Should you decide to exercise the Cancellation Right you will be entitled to a refund of premium. Should any claim occur prior to the
exercise of the Cancellation Right, your insurers may not allow a refund of any of the premium paid.
If this Cancellation Right is not exercised within the 14-day period as stated above, and you decide to cancel the policy at a later date, the
amount of any premium refund will depend upon the cancellation terms of your insurance policy.
To exercise the Cancellation Right you should contact us by telephone or email.
CANCELLATION OF POLICIES
If you wish to cancel your policy in circumstances other than as described in the section headed Cancellation Right, you may be entitled to
a refund of part of your premium as long as no claims have occurred during the time you have been on cover. The refund due may not
necessarily be proportionate to the remaining period of cover. Additionally, you should note the following:
• Insurers do not normally allow refunds in cases where a minimum and deposit premium has been charged
• For Pet insurance policies, we do not issue refunds of less than £10.00.
• Cancellation of a monthly payment not necessarily cancel a policy and any balance of premium owing may be requested by the
insurers.
When your policy ends or is cancelled, we will send you any documentation and information to which you are entitled on request.
USE OF SHORT MESSAGE SERVICE (SMS)
You consent to us using the mobile telephone number you provide (“the mobile telephone”) for the purpose of allowing us to notify you of
the key travel insurance policy information if you book online.
You confirm that the mobile telephone number you have provided is your number or that of a traveller name in the booking process and
that Cover-More Blue Insurance Services Limited cannot be held responsible for any information which fails to reach you or your fellow
traveller if the number is incorrect or is that of an unrelated third party.
You accept that text (SMS) messages are distributed via the Short Message Service systems of third party mobile phone network
providers and, therefore, Cover-More Blue Insurance Services Limited cannot be held responsible for the successful and timely arrival of
the text message to the mobile telephone.
Cover-More Blue Insurance Services Limited does not guarantee full availability or performance of this service and does not accept any
liability for transmission delays.
Cover-More Blue Insurance Services Limited will only use the number of the mobile telephone in accordance with its Privacy Policy, a copy
of which is available upon request, and only to send important information in relation to your booking.
COMPLAINTS
We recognise the importance of service and set ourselves high standards. Should there be an occasion when we do not meet your
expectations we are equally committed to dealing with any complaint in a thorough and professional manner.
If you wish to register a complaint or request a copy of our complaints procedures please contact us
• In writing, addressed to the Complaints Department, Cover-More Blue Insurance Services Limited, Parkview, 82 Oxford Road,
Uxbridge, UB8 1UX
• By telephone to 0333 355 0252
• By email to complaints@blueinsurance.co.uk
If you cannot settle your complaint with us you may be entitled to refer it to the Financial Ombudsman Service. You can find out more
about this by visiting the FOS web site at www.financial-ombudsman.org.uk.
You can request a copy of our procedures for dealing with complaints at any time.
DATA PROTECTION
We collect and process your personal details in order to provide the highest standard of service to you. We take great care with the
information provided; taking steps to keep it secure and to ensure it is used only for specific and legitimate purposes. To fulfil these
objectives, we may share information with other affiliated professionals. The information and other data provided to the Blue Insurance
Group may be used to advise you of products and services we may offer from time to time.
You have the right at any time to request a copy of any personal data within the meaning of the General Data Protection Regulations
(GDPR) that our office holds about you and to have any inaccuracies in that information corrected. For further information on how we
process your personal data and your rights under the data protection law, please see our Privacy Policy at
https://www.blueinsurance.ie/PrivacyPolicy/UK/ or contact us at dataprotection@blueinsurance.ie.
COMPENSATION
We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the FSCS if we
cannot meet our obligations. This depends on the type of insurance transacted and the circumstances of your claim for compensation.
Further details about compensation scheme arrangements are available from the FSCS (www.fscs.org.uk).

This document is effective from 12/12/2023

YOU ARE DEEMED TO HAVE ACCEPTED THIS AGREEMENT AND GIVE YOUR CONSENT FOR US TO OPERATE IN THE WAYS
DESCRIBED, UNLESS YOU ADVISE US OTHERWISE WITHIN SEVEN DAYS OF RECEIPT.

COVER-MORE BLUE INSURANCE SERVICES LIMITED HOLDS A WRITTEN APPOINTMENT TO ACT AS AN INSURANCE
INTERMEDIARY WITH THE INSURERS, INSURANCE INTERMEDIARIES AND UNDERWRITING AGENTS LISTED BELOW, IN
ADDITION TO LISTING THE PRODUCT UNDERWRITERS/INSURERS.
Underwriter/Insurer
Product Type Appointment held with

Travel Insurance
Zurich Insurance Company Ltd
Car Hire Excess Insurance Newline Insurance Company Limited
Wedding Insurance White Horse Insurance UK Limited
Cranbrook Underwriting Limited Covea Insurance plc*
Pet Insurance *Policies with a start date from 01/10/2020 Third Party Liability cover: Ageas Insurance Ltd
*Policies with a start date from 01/09/2023 Third Party Liability cover: Covea Insurance plc

This document is effective from 12/12/2023