Terms and Conditions of Use

Copyright

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.

Non-commercial use onlymc

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.

Ownership and use of information

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.

Website operation

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.

Disclaimer

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.

Agreement

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. 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.

Price information

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 make a purchase. We reserve the right to withdraw prices without notice.

Variation of Terms of Use

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.

Campaign Terms and Conditions

Staysure is a trading name of TICORP Limited, which is a subsidiary of Staysure Holdings Limited. Staysure Travel Insurance is arranged by TICORP Limited which is registered in Gibraltar company number 111526. The registered office is First Floor, Grand Ocean Plaza, Ocean Village, Gibraltar. TICORP Limited is licensed and regulated by the Gibraltar Financial Services Commission No. FSC1238B and trades into the UK on a freedom of services basis FCA FRN 663617.

Staysure Travel Insurance is administered by 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 FCA FRN 599282.

 

Gift Vouchers

  1. Gift vouchers are available to customers who purchase a policy, as stated on promotional material.
  2. Policies can be purchased over the phone or online at staysure.co.uk.
  3. To qualify, the customer must quote the campaign code at the time of purchase.
  4. Customers must refer to the promotional material for minimum spend, if applicable.
  5. Customers must refer to the promotional material for qualifying dates, if applicable.
  6. Only one entry is permitted per insurance policy.
  7. Gift voucher values are stated on relevant promotional material.
  8. All gift vouchers are subject to availability. Staysure reserves the right to change the gift voucher and value at any time.
  9. No cash alternative will be given and the prize is not transferable to another person.
  10. To qualify for gift vouchers you must be (a) a UK resident and (b) over 18 years of age at time of entry.
  11. Gift voucher offers are not open to employees (or members of their immediate families) of any subsidiary of Staysure Holdings Limited.
  12. Gift vouchers will be dispatched after the policy 14 day cooling-off period.
  13. The offer cannot be redeemed against existing policies.
  14. The offer cannot be used in conjunction with any other offer.
  15. Staysure reserves the right to amend these rules at any time. Staysure may also create rules which will 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.
  16. This promotion is administered 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 FCA FRN 599282.

Social Network Prize Draws

  1. To enter Social Network prize draws you must be (a) a UK resident (b) over 18 years of age at the time of entry.
  2. No purchase necessary.
  3. Entry to the prize draw is deemed acceptance of the rules.
  4. Entrant must refer to the promotional material for qualifying dates.
  5. The prize is as stated on the relevant promotional material.
  6. Prize Draws are not open to employees (or members of their immediate families) of any subsidiary of Staysure Holdings Limited.
  7. All prizes are subject to availability. Staysure reserves the right to change the prize(s) or value at any time.
  8. No cash alternative will be given and the prize is not transferable to another person.
  9. The winner will be selected at random unless otherwise stated and the independent judge’s decision is final. No correspondence will be entered into.
  10. The winner will be informed via a direct message on the relevant Social Network channel, unless otherwise stated on the promotional material. Reasonable efforts will be made to contact the winner(s).
  11. If a winner fails to respond to a communication from Staysure, fails to provide an address for delivery, or is unable to meet the eligibility requirements for the prize, this may result in the prize won being forfeited.
  12. If a prize is forfeited, Staysure reserves the right to offer the prize to the next eligible entrant drawn at random, unless otherwise stated.
  13. The winner(s) agree to the publishing of their name and/or photograph for the purpose of publicity. The winner(s) agree to give permission to Staysure to use entries in marketing materials.
  14. 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 on the relevant promotional material or webpage.
  15. Our prize draws are in no way sponsored, endorsed, administered by or associated with Facebook, Twitter or any other Social Network. Our prize draws are administered by 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 FCA FRN 599282.
  16. Our prize draws are in no way sponsored, endorsed, administered by or associated with the brand/prize(s) unless otherwise stated.

 

Real Lives Story Prize Draw

  1. To enter Real Lives Story prize draws you must be (a) a Staysure customer (b) a UK resident (c) over the age of 18 at the time of entry.
  2. Real Lives Story entries must be made via the link as instructed on our emails, direct mail and social media posts.
  1. Prize draws are not open to employees of any subsidiary of Staysure Holdings Limited.
  1. To qualify for the prize draw, customers must provide their Staysure Story and full contact details.
  2. Only one Staysure Story is permitted per customer.
  3. The prize is as stated on the relevant promotional material.
  4. All prizes are subject to availability. Staysure reserves the right to change the prize(s) or value at any time.
  5. No cash alternative will be given and the prize is not transferable to another person.
  1. The winner will be selected at random unless otherwise stated and the independent judge’s decision is final. No correspondence will be entered into.
  2. The winner will be informed by email or by telephone, via the contact details provided when submitting their story. Reasonable efforts will be made to contact the winner(s).
  3. If a winner fails to respond to a communication from Staysure, fails to provide an address for delivery, or is unable to meet the eligibility requirements for the prize, this may result in the prize won being forfeited
  4. If a prize is forfeited, Staysure reserves the right to offer the prize to the next eligible entrant drawn at random, unless otherwise stated
  5. The winner(s) agree to the publishing of their name and/or photograph for the purpose of publicity. The winner(s) agree to give permission to Staysure to use entries in marketing materials
  6. 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 on the relevant promotional material or webpage
  7. Our prize draws are in no way sponsored, endorsed, administered by or associated with Facebook, Twitter or any other Social Network. Our prize draws are administered by 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 FCA FRN 599282
  8. Our prize draws are in no way sponsored, endorsed, administered by or associated with the brand/prize(s) unless otherwise stated.

 

Quiz – Terms and Conditions

  1. Entrants must be (a) a UK resident (b) over 18 years of age at the time of entry.
  2. No purchase necessary.
  3. Entry to the quiz is deemed acceptance of the rules.
  4. Entrant must refer to the promotional material for qualifying dates.
  5. Only one entry per household may be entered into the draw.
  6. The prize is as stated on the relevant promotional material.
  7. Promotions are not open to employees (or members of their immediate families) of any subsidiary of Staysure Holdings Limited.
  8. All prizes are subject to availability. Staysure reserves the right to change the prize(s) or value at any time.
  9. No cash alternative will be given and the prize is not transferable to another person.
  10. The winner will be selected at random from all correct entries submitted (or the entry with the highest number of correct answers) unless otherwise stated and the independent judge’s decision is final. No correspondence will be entered into.
  11. The winner will be informed by email or telephone via the contact details provided upon entry, unless otherwise stated on the promotional material. Reasonable efforts will be made to contact the winner(s).
  12. If a winner fails to respond within 60 days to a communication from Staysure, fails to provide an address for delivery, or is unable to meet the eligibility requirements for the prize, this may result in the prize won being forfeited.
  13. If a prize is forfeited, Staysure reserves the right to offer the prize to the next eligible entrant drawn at random from all correct entries submitted (or the highest number of correct answers), unless otherwise stated.
  14. The winner(s) agree to the publishing of their name and/or photograph for the purpose of publicity. The winner(s) agree to give permission to Staysure to use entries in marketing materials.
  15. 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 on the relevant promotional material or webpage.
  16. Our promotions are administered by 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 FCA FRN 599282.
  17. Our promotions are in no way sponsored, endorsed, administered by or associated with the brand/prize(s) unless otherwise stated.

Prize Draws

  1. Entrants must be (a) a UK resident (b) over 18 years of age at the time of entry (c) Staysure policy holder.
  2. Policies can be purchased over the phone or online at staysure.co.uk.
  3. Customers must refer to the promotional material for minimum spend, if applicable.
  4. Customers must refer to the promotional material for qualifying dates, if applicable.
  5. Only one entry is permitted per household.
  6. Prizes are those stated on relevant promotional material.
  7. All prizes are subject to availability. Staysure reserves the right to change the prize at any time.
  8. No cash alternative will be given and prizes are not transferable other people.
  9. Prize draws are not open to employees (or members of their immediate families) of any subsidiary of Staysure Holdings Limited.
  10. The winner will be selected by a panel of judges or at random and the independent judge’s decision is final. No correspondence will be entered into.
  11. The winner will be informed by email or by telephone, via the contact details provided, unless otherwise stated on the promotional material. Reasonable efforts will be made to contact the winner(s).
  12. If a winner fails to respond to a communication from Staysure, fails to provide an address for delivery, or is unable to meet the eligibility requirements for the prize, this may result in the prize won being forfeited
  13. If a prize is forfeited, Staysure reserves the right to offer the prize to the next eligible entrant drawn at random, unless otherwise stated.
  14. The winner(s) agree to the publishing of their name and/or photograph for the purpose of publicity. The winner(s) agree to give permission to Staysure to use entries in marketing materials.
  15. 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.
  16. Our prize draws are administered by 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 FCA FRN 599282.
  17. Our prize draws are in no way sponsored, endorsed, administered by or associated with the brand/prize(s) unless otherwise stated.

Discounts

  1. Percentage discounts (e.g. 5%, 10% etc.) are available to customers who purchase a policy, as stated on promotional material.
  2. Discounts only apply to the base premium of your travel insurance quote and do not apply to any additional medical screening costs, where relevant.
  3. Policies can be purchased over the phone or online at staysure.co.uk.
  4. To qualify for the relevant discount, customers must quote the campaign code at time of purchase.
  5. Customers must refer to the promotional material for minimum spend, if applicable.
  6. Customers must refer to the promotional material for qualifying dates, if applicable.
  7. The discount value is as stated on relevant promotional material.
  8. Staysure reserves the right to change the offer at any time.
  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. Our promotions are administered by 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 FCA FRN 599282.
  14. Our promotions are in no way sponsored, endorsed, administered by or associated with the brand/prize(s) unless otherwise stated

Optional Extras Email

  1. No optional extras can be added to your policy once you have knowledge that you may be required to claim under these sections of the policy. Knowledge includes but is not limited to news reports and press articles.
  2. No optional extras can be added to your policy if you have already travelled.
  3. No optional extras can be added to your policy should you intend on making a claim or you have a claim pending.

 

Competition Terms & Conditions – 2018 BMW PGA Championship Giveaway

  1. To enter Staysure’s BMW PGA Championship competition you must be (a) a UK resident (b) over 18 years of age at the time of entry.
  2. No purchase necessary.
  3. Entry to the prize draw is deemed acceptance of the rules.
  4. Entrant must refer to the promotional material for qualifying dates.
  5. The prize is as stated on the relevant promotional material.
  6. Competitions are not open to employees (or members of their immediate families) of Staysure or any subsidiary of Staysure Holdings Limited.
  7. All prizes are subject to availability. Staysure reserves the right to change the prize(s) or value at any time.
  8. Winners will be allocated tickets based on availability, Staysure cannot guarantee a specific day of entry to the BMW PGA Championship event.
  9. No cash alternative will be given and the prize is not transferable to another person.
  10. No replacement tickets will be issued if lost or stolen.
  11. Staysure is not responsible for any travel arrangements for competition winners or any accompanying person(s).
  12. All winners must abide by the rules of the events and follow all Dress Code Regulations as laid out in the terms and conditions presented on their tickets. Staysure bear no responsibility for non-admittance or expulsion of the winner(s) or accompanying person(s) from the event.
  13. Staysure would accept no liability for any injury or losses in conjunction with the winners’ attendance at the event.
  14. The winner will be selected at random unless otherwise stated and the independent judge’s decision is final. No correspondence will be entered into.
  15. The winner will be informed via email or phone call, unless otherwise stated on the promotional material. Reasonable efforts will be made to contact the winner(s).
  16. If a winner fails to respond within 48-hours to a communication from the Promoter, fails to provide an address for delivery, or is unable to meet the eligibility requirements for the prize, this may result in the prize won being forfeited.
  17. If a prize is forfeited, the Promoter reserves the right to offer the prize to the next eligible entrant drawn at random, unless otherwise stated.
  18. The winner(s) agree to the publishing of their name and/or photograph for the purpose of publicity. The winner(s) agree to give permission to Staysure to use entries in marketing materials.
  19. Staysure reserves the right to amend these rules at any time. Staysure may also create rules which apply to a specific competition only. If we do this we will publish the amended competition rules on the relevant promotional material or webpage.
  20. Our prize draws are in no way sponsored, endorsed, administered by or associated with Facebook, Twitter or any other Social Network. Our prize draws are administered by 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 FCA FRN 599282.
  21. Our promotions are in no way sponsored, endorsed, administered by or associated with the brand/prize(s) unless otherwise stated.

 

Terms & Conditions – Worth Doing Right Giveaway (£1,000 trip to Rome)

  1. To enter Staysure’s ‘Worth Doing Right’ competition you must be (a) a UK resident (b) over 18 years of age at the time of entry.
  2. No purchase necessary.
  3. Entry to the prize draw is deemed acceptance of the rules.
  4. Entrant must refer to the promotional material for qualifying dates.
  5. The prize is as stated on the relevant promotional material.
  6. Competitions are not open to employees (or members of their immediate families) of Staysure or any subsidiary of Staysure Holdings Limited.
  7. The holiday is subject to availability and holiday dates must be booked within 60 days of receiving the voucher.
  8. Staysure reserves the right to change the prize(s) or value at any time.
  9. No cash alternative will be given and the prize is not transferable to another person.
  10. The prize consists of one Staysure Travel voucher worth up to the value of £1,000, which can be redeemed against flights and accommodation to Rome booked via Staysure Travel. If the total holiday cost is more than £1,000, the winner must pay the difference. There will be no reimbursement for any part of the £1,000 that is not spent in one booking.
  11. Any part of the £1,000 that is not spent in one booking can be used against travel extras purchased via Staysure Travel. These may include airport parking, airport hotels, airport lounges, overseas transfers and car hire.
  12. The prize excludes meals and drinks, excursions, attractions, treatments, personal expenses, and visas. The winner and their companion(s) must hold a current and valid passport and any other relevant travel documentation required for travel to and entry to Italy.
  13. Staysure will cover the travel insurance base premium for the travel party and will not cover additional medical screening costs, where relevant. The winner will have to pay any additional costs for their travel insurance.
  14. Where any of the winner’s companions are aged under 18 years old, they must have prior parental or guardian permission and must be accompanied by an adult aged 18 or over when taking up the prize.
  15. The winner will be selected at random unless otherwise stated and the independent judge’s decision is final. No correspondence will be entered into.
  16. The winner will be informed via email or phone call, unless otherwise stated on the promotional material. Reasonable efforts will be made to contact the winner(s).
  17. If the winner fails to respond within 48-hours to a communication from Staysure, fails to provide an address for delivery, or is unable to meet the eligibility requirements for the prize, this may result in the prize won being forfeited.
  18. If a prize is forfeited, the Promoter reserves the right to offer the prize to the next eligible entrant drawn at random, unless otherwise stated.
  19. The winner(s) agree to the publishing of their name and/or photograph for the purpose of publicity. The winner(s) agree to give permission to Staysure to use entries in marketing materials.
  20. Staysure reserves the right to amend these rules at any time. Staysure may also create rules which apply to a specific competition only. If we do this we will publish the amended competition rules on the relevant promotional material or webpage.
  21. Our prize draws are in no way sponsored, endorsed, administered by or associated with Facebook, Twitter or any other Social Network. Our prize draws are administered by 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 FCA FRN 599282.
  22. Our promotions are in no way sponsored, endorsed, administered by or associated with the brand/prize(s) unless otherwise stated.