InsureandGo Terms and Conditions

Cover Offered

All ages.

InsureandGo does not operate a maximum age limit for single trip or annual multi-trip policies. Children under 18 can be covered but there must be an adult named on the policy too.

All conditions.

InsureandGo does not exclude cover for any individual medical condition or condition groups. Whilst we endeavour to include as many conditions and synonyms as possible in our database we do not guarantee that every condition can be found. If you cannot find your specific condition then please call our contact centre who will advise how to screen and cover your condition.

InsureandGo does not guarantee that it will be able to offer cover in all circumstances if a combination of age, policy type, number and severity of pre-existing medical conditions exceeds our underwriting limits. InsureandGo can only offer cover for a terminal prognosis if the prognosis is more than 6 months at your trip return date.

Quote Prices

The prices shown on this website are only valid at the time they are generated. We reserve the right to change our prices or other details at any time. Prices may fluctuate. If you purchase a policy over the phone our sales consultants will confirm the correct price before you make a purchase. We reserve the right to withdraw prices without notice.

Discounts

• Percentage discounts (e.g. 5%, 10% etc.) are available to customers who purchase a policy and are applied as detailed in the promotional material.
• Sometimes our promotional offers will be exclusive to policies purchased through either our Call Centre or online at insureandgo.com.
• Discounts only apply to the base premium of your travel insurance quote and do not apply to any premium generated to cover medical conditions.
• Policies can be purchased over the phone or online at insureandgo.com. To qualify for the relevant discount, customers must quote the discount code at the time of purchase.
• Customers must refer to the promotional material for qualifying dates, if applicable.
• The discount value is as stated on relevant promotional material.
• InsureandGo reserves the right to change the offer at any time.
• No cash alternative will be given.
• The offer cannot be redeemed against existing policies.
• The discount offer cannot be used in conjunction with any other offer.
• Only one discount can be applied to each policy. Some discounts are offered via promotional code and some are generated by our system. For an extremely small number of policies a system generated discount will supersede promotional discounts, for example where very complex medical conditions generate a significantly high premium, InsureandGo may choose to substantially discount this, to offer cover to customers who without this discount may not have access to comprehensive, affordable cover. This type of discount may apply for new as well as returning customers. We hope this makes a difference in the marketplace and aligns our core values with our customers. We believe everyone has the right to travel.
• InsureandGo reserves the right to amend these rules at any time.

Enter InsureandGo’s New Year Sale 2026 Prize Draw Prize Draw – T&C’s

Terms and Conditions

1. The closing date of InsureandGo’s New Year Sale 2026 Prize Draw is 23:59 on 29 January 2026.*
   
2. The draw promoter is IES Limited (“Promoter”).
   
3. InsureandGo Travel Insurance is arranged by IES Limited, registered in Gibraltar (company number 117274). Registered Office: 1st Floor, Portland House, Glacis Road, Gibraltar, GX11 1AA. IES Limited is licensed and regulated by the Gibraltar Financial Services Commission (number FSC25393) and trades into the UK on a freedom of services basis, FCA FRN 824283. InsureandGo Travel Insurance is administered in the UK on behalf of IES Limited by Insure & Go Insurance Services Limited, which is authorised and regulated by the Financial Conduct Authority (registration number 309572).
   
4. Three winners will be chosen at random from all eligible entries using a computerised random draw.
   
5. You must have completed a quote for travel insurance with InsureandGo Travel Insurance UK to be eligible for the draw. All quotes generated from 00:00 on 19 December 2025 until 23:59 on 29 January 2026 will be entered into the prize draw. There is no obligation to purchase a policy to be considered eligible.
   
6. The draw will take place on 2 February 2026.
   
7. The Promoter will notify the winner by no later than 4 February 2026.
   
8. Entrants must be available on 4 February 2026 to confirm their email address and bank transfer details.
   
9. If a winner does not respond to the email confirmation request by 11 February 2026, they will forfeit the prize and an alternative winner will be selected.

10. The Promoter may publish or make available the winner’s first name and county of residence to confirm that a valid award has taken place. By entering, participants acknowledge that these details may be disclosed on the Promoter’s website, social media channels, or other promotional materials.

11. If the winner objects to the publication of this information, they must notify the Promoter at the time of acceptance. The Promoter will respect such objections but may still be required to provide limited information to regulatory bodies on request.
    
12. The prize for each winner is £1,000. A bank transfer will be arranged by InsureandGo in accordance with the details provided and confirmed by the winner.** The prize is not negotiable or transferable.
    
13. Payments to the winner may take a minimum of 14 days to be processed after their details have been confirmed.
    
14. All data collected from entries may be used anonymously for publicity on the InsureandGo website or other InsureandGo marketing channels.
    
15. Entrants must be over 18 years old and resident in the United Kingdom.
    
16. Only one entry per household is permitted.
    
17. Place of draw: 2nd Floor, Maitland House, Warrior Square, Southend-on-Sea, SS1 2JY.
    
18. Any dispute regarding this promotion will be referred to the Promoter’s CEO, whose decision will be final.
    
19. Entrants must not be employees, or relatives of employees, of any company within the InsureandGo group.
    
20. Entry implies acceptance of these Terms and Conditions.
    
21. Winners’ names will be made available on request.
    
22. Insofar as is permitted by law, the Promoter, its agents or distributors will not in any circumstances be responsible or liable to compensate the winner or accept any liability for any loss, damage, personal injury or death occurring as a result of taking up the prize except where it is caused by the negligence of the Promoter, its agents or distributors or that of their employees. Your statutory rights are not affected.
    
23. InsureandGo reserves the right to amend these Terms and Conditions at any time.
    
24. The Promoter will only process your personal information as set out in the PRIVACY POLICY.
    
25. If there is any reason to believe that there has been a breach of these Terms and Conditions, the Promoter may, at its sole discretion, reserve the right to exclude you from participating in the prize draw.
    
26. The Promoter reserves the right to hold void, suspend, cancel, or amend the prize draw where it becomes necessary to do so.
    
27. These Terms and Conditions are governed by English law. If any entrants to this promotion wish to take court proceedings, then they must do this within the courts in the United Kingdom.

* AllClear reserves the right, in its absolute discretion, to extend the closing date and any other subsequent dates in the timeline.

 ** AllClear reserves the right to substitute the prize for another product of the same value.