Terms and conditions

This website and its content is the copyright of TICORP Limited, which is licensed and regulated by the Gibraltar Financial Services Commission No. FSC1238B. All rights reserved.

 

These terms and conditions of use apply to your use of the website and provide a legal document which sets out your rights and obligations, and those of TICORP Limited in relation to the services offered through this site. References to “the website”, “our”, “we” and “us” refer to TICORP Limited. By visiting the website, you are deemed to have accepted these terms and conditions.

 

The information displayed on this website belongs to TICORP Limited and is provided for customer use only. It shall not be used by any person or entity resident within a jurisdiction where such distribution would be contrary to that jurisdiction’s applicable regulations.

 

The website is intended for the purpose of genuine personal insurance quotes only. It is not to be used for “mystery shopping” to obtain quotations or related information, other than for genuine insurance quotes for personal use.

 

The website shall not be used for marketing purposes or to transmit or send unsolicited commercial communications.

 

Systematic or automated data collection activities (including without limitation scraping, data mining, data extraction and data harvesting) on or in relation to our website are not permitted without our express written consent.

 

We are not liable for any errors or omissions to be found on the website.

 

You may only use this website for your personal use (which will at all times be reasonable and not abusive) or for purposes legitimately connected with purchasing our products and services.

 

You are not allowed to access, use or copy any material or information on this website for any commercial purpose or for any purposes which are unlawful. In particular, you are not allowed to copy (whether by printing off, storing on disk or in any other way), distribute (including distributing copies), alter or tamper with in any way or use any material contained in this website, except that you may print off any individual page for your own personal use.

 

This website displays brands, trademarks and registered trademarks which are registered in the UK. Other product and company names mentioned on this website are proprietary to their respective owners. You are not licensed to use any of the marks on our website unless written permission is granted, and you may not meta tag any of these marks.

 

Unless otherwise stated, we own (or are licensed to use) the intellectual property rights in the content and information in this website, including (without limitation) all text, sound, photographs, images, logos, maps, podcasts, blogs, customer reviews, graphics, design, underlying source and software. Subject to the “Non-Commercial Use Only” section above, material and information, either whole or in part, from this website may not be reproduced, copied, republished, downloaded, posted, broadcast or transmitted in any form or medium without our and/or the appropriate owner’s prior written permission.

 

The website is operated by TICORP Limited, registered in Gibraltar (incorporation number 111526) as an independent insurance intermediary. Your data, at the point of obtaining a quote, will be passed to Howserv Limited, and will become the property of Howserv Limited at the point your quote is complete.

 

To the maximum extent permitted by law, TICORP Limited disclaims all warranties, whether express or implied by statute, custom or usage relating to the information contained in this website and we shall not be liable for any losses or damages whatsoever, whether in contract to (including negligence), or otherwise arising from this website, or from any interruption or delay in accessing this website.

 

By accessing, using, browsing or booking on this site you agree that you have read, understood and agree to be bound by these Terms of Use and you agree to comply with all applicable laws, rules and regulations.

 

This website is for the purpose of communicating prices and availability; it should therefore not be regarded as an offer.

 

All contracts concluded between Howserv Limited or TICORP Limited and you, the customer, are subject to our standard terms and conditions. Acceptance of an insurance policy is subject to medical screening and terms as described in policy documents. A contract is only concluded when we accept your offer by sending you confirmation of our acceptance. Our acceptance is effective when sent by us. The contractual document is contained in the acceptance from us of your offer, and our terms and conditions which are incorporated into the acceptance and excludes any other representations. This does not affect your statutory rights as a consumer.

 

This site is only available to people who, and parties that may, lawfully enter into and form contracts under UK law.

 

Access to this website is free; however, you access and use it entirely at your own risk. Except as stated in these Terms of Use, we make no representations or warranties in respect of the website, its contents or performance. All conditions and warranties that might otherwise be implied by statute or at common law are excluded to the fullest extent permitted by law.

 

We do not promise that this site will always be available or that its operation will be error free; nor do we accept responsibility for any adverse effects of accessing it, or downloading material from it. TICORP Limited does not accept any liability for any losses or claims arising from any inability to access this website, any interruption in the conduct of any action or any failure to complete a transaction. This includes adverse effects resulting from the downloading of viruses, the loss or corruption to material that is downloaded, website-browser incompatibility problems or damage to programmes and data already on your system.

 

The prices shown on this website are valid at the time of input; however, we reserve the right to change our prices or other details at any time. Prices may fluctuate. Our sales consultants will confirm the correct price or advise you of any amendments before you buy your policy. We reserve the right to withdraw prices without notice.

 

These Terms of Use may be revised from time to time. If they are revised, we will post the revised version on this website. The revisions will be effective immediately.

 

Please re-read these Terms of Use from time to time even if you have previously used this Site. By using this website after we have changed the Terms of Use, you will be deemed to have accepted the changes.

 

If, for any reason, you do not agree to abide by our Terms of Use, please do not use this website.

1. To enter the prize draw, entrants must submit their details at our prize entry page

2. The prize draw is open to entries from 00:01 on 11th June 2025 until 23:59 on 6th July 2025. 

3. There is one winner of the prize draw. The prize includes: 2 places to play in the Staysure PGA Seniors Championship Celebrity Pro-Am hosted at Trump International Golf Links in Scotland, VIP access for 2 to the event between 30st July and 3rd August, transport to the event and 5 nights of accommodation (1 bedroom) between Tuesday 29th July – 3rd August. Booking will be handled by Staysure, with details shared with the winner in advance. Additional expenses will need to be covered by the prize winner and/or their guest.  

4. One entry is allowed per email address given. Entries submitted on behalf of another person will not be accepted. 

5. Entrants must be (a) a resident of the UK, Channel Islands or Isle of Man and, (b) over 18 years of age at the time of entry. 

6. Entries received which are not submitted via the official entry method will not be accepted. Use of script, macro or any automated system to enter the Promotion is prohibited and entries made (or which appear to have been made) using any such system may be treated as void. Any illegible, incomplete or fraudulent entries will be rejected. Participants should be aware that they may be subject to data charges depending on their own individual arrangements for Internet access if they enter the Promotion online by any device. 

7. The Promoter’s decision is final and binding on the entrants. No correspondence will be entered into.  

8. By entering the prize draw, entrants confirm that they have read and agree to be bound by these terms and conditions. 

9. Staysure reserves the right to offer an alternative prize of equal or greater value. In the event of unforeseen circumstances or circumstances outside its reasonable control, Staysure reserves the right to modify or discontinue, temporarily or permanently, this promotion without prior notice. 
   The following individuals are not eligible to enter the Promotion: employees and agents 
   of the Promoter, Staysure or other Staysure Group companies; employees and agents of any organisation directly connected with the operation or fulfilment of the Promotion (including third party promotional partners) and their respective associated, affiliated or subsidiary companies; the immediate families and household members of all such employees. 

10. The winners will be selected from all valid entries received during the promotional 
    period by using a computer process that produces verifiably random results. 

11. The winners will be drawn on 7th July 2025. They will be contacted within the next three working days by email and/or phone and will be asked to confirm they’d like to accept the prize. 

12. If a winner fails to respond within three working days of this notification, a redraw will take place from the remaining valid entries to select a new winner. If any winner declines a prize or fails to respond within the required period, they forfeit any right to the prize. 
     
    The prize details will be supplied via the contact details supplied within three working days of notification and the winners will be required to acknowledge receipt and acceptance of the details. 

13. Winners may be required to submit valid identification before receiving their prize. 

14. If a winner fails to respond to a communication from Staysure within three working days, fails to provide contact details for delivery of the prize, or is unable to meet the eligibility 
    requirements for the prize, this may result in the prize won being forfeited 

15. If a prize is forfeited, Staysure reserves the right to offer the prize to the next eligible entrant drawn at random, unless otherwise stated. 

16. Staysure reserves the right to amend these rules at any time. Staysure may also create rules which apply to a specific prize draw only. If we do this, we will publish the amended prize draw rules and/or specific rules on the relevant promotional material or webpage. 

17. Any participant who enters or attempts to enter the Promotion in a manner, which in the Promoter’s reasonable opinion is contrary to these Terms and Conditions or by its nature is unjust to other entrants (including tampering with the operation of the Promotion, cheating, hacking, deception or any other unfair playing practices such as intending to annoy, abuse, threaten or harass any other participants or the Promoter and/or any of its agents or representatives) may be rejected from the Promotion at the Promoter’s sole discretion. Furthermore, where such actions have significantly impaired the Promotion, the Promoter may, at its sole discretion, add further stages to the Promotion as it deems reasonably necessary in order to resolve any problems arising from such actions. 

18. These Terms and Conditions are governed by English law. The courts of England and Wales shall have exclusive jurisdiction to hear any dispute or claim arising in association with the Promotion or these Terms and Conditions. 

19. The surname and county of residence of the winners will be made available on request to anyone sending a stamped self-addressed envelope to Staysure at the address set out below within 10 weeks of the closing date of the promotion. To object to your information being published or made available, please contact [email protected]. 

20. The promoters and administrator of these offers is Staysure which is administered by 
    Howserv Limited and registered in England and Wales 03882026. The registered office is 
    Britannia House, 3-5 Rushmills Business Park, Bedford Road, Northampton, NN4 7YB. Howserv Limited is authorised and regulated by the Financial Conduct Authority FRN 599282. 

To sign up for a My Staysure account you must be a minimum of 18 years old. You will require an email address which will form your username and you will be requested to create a password in order to login securely to your account.

 

Policies and quotes will only be accessible to the policyholder and only the policyholder will be able to make amendments to their policies.

 

Amendments that maybe available to complete include:

 

• Date changes
• Destination changes
• Adding additional cover options
• Change of telephone number
• Change of address
• Change of email address
• Upgrading cover limits
• Changing traveller ages
• Renew your policy
• Update marketing preferences 
• Opt out of auto renewal 

 

Any IP addresses outside of the UK, Channel Islands and Isle of Man will restrict access to ‘amend my policy’ and will require you to call the Customer Service team to amend your policy.

 

Any changes made to a policy by you will be immediate and will be visible on selection of the ‘view my policy’ section. Confirmation will be emailed to the email address listed on the policy.

 

Any requests to amend your policy via the ‘get in touch’ form must be verified by Staysure with any additional premiums paid and new documents issued (if required) before they form part of the cover.

 

1. Percentage discounts and cashback offers are available to customers who buy a policy, as stated on promotional material.
2. Discount does not apply to medical screening costs or add-ons. New policies only.
3. Discounts and offers advertised on staysure.co.uk are not valid to use on Golf Insurance and Expat Travel Insurance.
4. Policies can be bought over the phone or online at staysure.co.uk.
5. To qualify for the discount, customers must quote the campaign code at the time they buy their policy.
6. Customers must refer to the promotional material for minimum spend, if applicable.
7. Customers must refer to the promotional material for qualifying dates, if applicable.
8. The discount value is as stated on relevant promotional material.
9. No cash alternative will be given.
10. The offer cannot be redeemed against existing policies.
11. The discount offer cannot be used in conjunction with any other offer.
12. Staysure reserves the right to amend these rules at any time. Staysure may also create rules which apply to a specific promotion only. If we do this we will publish the amended rules and/or specific rules on the relevant promotional material or webpage.
13.  The promoters and administrator of these offers is Howserv Limited which is registered in England and Wales 03882026 and registered office is Britannia House, 3-5 Rushmills Business Park, Bedford Road, Northampton, NN4 7YB. Howserv Limited is authorised and regulated by the Financial Conduct Authority FRN 599282.
14. Our promotions are in no way sponsored, endorsed, administered by or associated with the brand/prize(s) unless otherwise stated.
15. Using a discount offer in conjunction with third-party cashback requests will result in a cashback decline.
16. Any cashback requests or disputes can only be dealt with by the third-party that you have requested cashback from and not directly with Staysure.

 

 

1. This voucher may be used to buy any new Single Trip or Annual Multi-Trip Staysure Travel Insurance policy.
2. Vouchers may be used for full or part payment of a new travel insurance policy.
3. If your voucher value exceeds the cost of your new policy, any remaining credit will be saved on your Staysure account and may be redeemed at a later date.
4. Voucher is not refundable if lost or stolen.
5. Vouchers are not transferable and may not be sold on.
6. Vouchers are the property of Staysure Travel Insurance and have no cash value.
7. If a cancellation voucher has been issued but not used prior to the expiry of your voucher (36 months), we will apply an administration and maintenance fee which may be up to, but not exceeding the value of the voucher.

 

1. Customers must refer to third-party websites Quidco and TopCashback for full terms and conditions.

This is a summary of the key conditions to redeem rewards. It does not replace the full terms & conditions of Mention Me.

 

 

1. The referrer is offered a £10 Love2Shop gift card for each friend who buys for the first time.
2. This offer can be shared for 12 months from the date of acceptance by the referrer.
3. In order for the referral to qualify for the reward the referred friend must be a new customer to Staysure and over the age of 18 and the referred friend must meet the conditions of their reward.
4. There is no requirement for the referrer to be an existing Staysure customer.
5. In order to share this offer the referrer must be over the age of 18.
6. Rewards will be cumulative and so if multiple qualifying referrals are made to Staysure, multiple rewards will be delivered to the referrer, subject to a limit. A referrer may not earn more than 10 within any 24 hour period or 75 within the last 12 months or 1000 GBP of reward value within the last 12 months.
7. The Referrer will receive a voucher after a referred friend has bought a policy with Staysure, as long as they don’t cancel within 60 days. The Referrer will be notified by email once a referred friend has bought a policy, and when the reward has been earned.
8. Rewards will be valid for 3 months from the date earned by the referrer.
9. Referral rewards cannot be combined with other discount codes in a single order.
10. Staysure reserves the right to refuse the issue of any reward to any Referred Friend or Referrer at any time.
11. Staysure reserves the right to vary any and all elements of this offer at any time without notice.

 

 

1. The Referred friend discount is up to 20% off when they buy their first policy.
2. The reward is valid for one month from the point of issue to the referred friend. 
3. Discounts and offers only apply to the base premium of your travel insurance quote and do not apply to any medical screening costs or optional extras, where relevant. 
4. Discounts and offers advertised on staysure.co.uk are not valid to use on Expat Travel Insurance.
5. In order to qualify for the reward the referred friend must be a new customer to Staysure and over the age of 18.
6. Any rewards will be revoked if a refund is requested on the order for which the reward was offered.
7. The Referred friend reward cannot be claimed by the same person making the referral.
8. Referred friend rewards cannot be combined with other discount codes in a single order.

This is a summary of the key conditions for Charity donation promotions offered by Staysure Limited.

 

1. Staysure Limited will send donations on a monthly basis to the Charity stated on the relevant promotional material
2. Donations are valid once a policy has been purchased following the instructions stated on promotional material.
3. Staysure Limited reserves the right to not make a donation on suspicion of fraud or misrepresentation.
4. Staysure reserves the right to amend these rules at any time. Staysure may also create rules which apply to a specific promotion only. If we do this we will publish the amended rules and/or specific rules on the relevant promotional material or webpage.
5. There are no cash alternatives
6. The value of each donation is as stated on the relevant promotional material.
7. The donation offer to the Charity can be removed at Staysure Limited’s discretion at any time.
8. Charity donations are available to new Staysure travel insurance policies only. Does not apply to renewing policies.
9. Charity donation offers are only offered once per new policy created.
10. Our promotions are in no way sponsored, endorsed, administered by or associated with the charities unless otherwise stated.
11. The promoters and administrator of these offers is Howserv Limited which is registered in England and Wales 03882026 and registered office is Britannia House, 3-5 Rushmills Business Park, Bedford Road, Northampton, NN4 7YB. Howserv Limited is authorised and regulated by the Financial Conduct Authority FRN 599282.

 

1. Discount does not apply to medical screening costs or add-ons. Renewing policies only.
2. Discounts and offers advertised on staysure.co.uk are not valid to use on Golf Insurance and Expat Travel Insurance.
3. To qualify for discount, policies must be bought online at staysure.co.uk.
4. To qualify for the discount, customers must quote the campaign code at the time they buy their policy.
5. Offer expires on date of policy expiry.
6. Customers must refer to the promotional material for minimum spend, if applicable.
7. Customers must refer to the promotional material for qualifying dates, if applicable.
8. The discount value is as stated on relevant promotional material.
9. No cash alternative will be given.
10. The offer can only be redeemed against renewing policies.
11. The discount offer cannot be used in conjunction with any other offer.
12. Staysure reserves the right to amend these rules at any time. Staysure may also create rules which apply to a specific promotion only. If we do this we will publish the amended rules and/or specific rules on the relevant promotional material or webpage.
13.  The promoters and administrator of these offers is Howserv Limited which is registered in England and Wales 03882026 and registered office is Britannia House, 3-5 Rushmills Business Park, Bedford Road, Northampton, NN4 7YB. Howserv Limited is authorised and regulated by the Financial Conduct Authority FRN 599282.
14. Our promotions are in no way sponsored, endorsed, administered by or associated with the brand unless otherwise stated.
15. Using a discount offer in conjunction with third-party cashback requests will result in a cashback decline.
16. Any cashback requests or disputes can only be dealt with by the third-party that you have requested cashback from and not directly with Staysure.