InsureandGo Terms and Conditions

Cover Offered

All ages.

InsureandGo does not operate a maximum age limit for single trip or annual multi-trip policies. Some cover options may not be available to all ages such as winter sports cover where the maximum age is 65. 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.

Competitions

Annual Survey 2023 prize draw – Terms and Conditions:

  • Closing date of the Annual Survey 2023 Prize Draw will be at 23:59 on 8th February 2023*
  • The Promoter is Insure & Go Insurance Services Limited which is registered in England and Wales No: 04056769. Registered Office: 2nd Floor, Maitland House, Warrior Square, Southend-on-Sea, SS1 2JY.  Financial Conduct Authority firm Reference Number 309572.
  • A random selection will be made from all entries to establish the Prize winner
  • The Draw will take place on 9th February 2023
  • Insure & Go Insurance Services Limited will notify the winner by no later than 10th February 2023
  • Entrants must be available on the 10th February 2023 to confirm their email address
  • If the winner doesn’t respond to the email confirmation request by 13th February 2023, they will forfeit the prize and someone else will be chosen
  • The prize is a £200 Amazon E-giftcard, it will be sent to the winner by email as confirmed in their message to Insure & Go Insurance Services Limited**
  • All entries may be used for further publicity on the InsureandGo website, or other InsureandGo marketing channels
  • Those entering our prize draw must be over 18 and resident in the United Kingdom
  • Only one entry is permitted per household
  • Place of draw: 2nd Floor, Maitland House, Warrior Square, Southend-on-Sea, SS1 2JY.
  • Any dispute regarding this promotion will be referred to the Promoter’s CEO whose decision will be final
  • Entrants must not be employees or relatives of employees of any company within the AllClear group
  • Entry implies acceptance of these Terms and Conditions
  • Winners available on request
  • We reserve the right to amend these terms and conditions at any time
    * We reserve the right in our absolute discretion to extend the closing date where, in our view, the entries are insufficient in number
    ** We reserve the right to substitute the prize for another product of the same value.
  •  
World Smile Day photo competition - Terms and Conditions:
  • Closing date of the competition – 23:59 pm on 11th October 2022*
  • The prize is a £50 Amazon voucher**
  • The Promoter is Insure & Go Insurance Services Limited which is registered in England and Wales No: 04056769. Registered Office: 2nd Floor, Maitland House, Warrior Square, Southend-on-Sea, SS1 2JY.  Financial Conduct Authority firm Reference Number 309572.
  • The prize winner will be chosen from all entries by the Head of Marketing at InsureandGo on 12th October 2022
  • For entry into this competition, an entrant must share their travel-related photo by email to communications@insureandgo.com
  • By entering this competition, an entrant is confirming that they have the rights to the photo and that we have permission to publish it
  • By entering this competition, entrants agree to the publishing/sharing of their photo and/or their name for further publicity on the InsureandGo website, or other InsureandGo marketing channels
  • Insure & Go Insurance Services Limited will notify the winner by email, no later than 12th October 2022
  • The winner must reply to InsureandGo’s message to claim their prize within 48 hours of being notified
  • Those entering our competition must be over 18 and resident in the United Kingdom
  • Only 1 entry per email
  • No purchase necessary
  • Place of draw: 2nd Floor, Maitland House, Warrior Square, Southend-on-Sea, SS1 2JY.
  • Any dispute regarding this promotion will be referred to the Promoter’s CEO whose decision will be final
  • Entrants must not be employees or relatives of employees of any company within the AllClear group
  • Entry implies acceptance of these Terms and Conditions
  • Winners available on request

* We reserve the right in our absolute discretion to extend the closing date where, in our view, the entries are insufficient in number.

** We reserve the right to substitute the prize for another product of the same value.

We reserve the right to amend these terms and conditions at any time.

Activities Survey Prize Draw - Terms and Conditions:
    • Closing date of the draw – 23:59 pm on 25th July 2022*
    • The prize is a £100 Amazon voucher**
    • The Promoter is Insure & Go Insurance Services Limited which is registered in England and Wales No: 04056769. Registered Office: 2nd Floor, Maitland House, Warrior Square, Southend-on-Sea, SS1 2JY.  Financial Conduct Authority firm Reference Number 309572.
    • The prize winner will be randomly selected from all correct entries by the Head of Marketing at InsureandGo on 26th July 2022
    • For entry into the draw, the entrant must have given their email address, accepted the prize draw terms and conditions, and completed the activities survey
    • By entering the prize draw, you agree to the publishing/sharing of your name for further publicity on the InsureandGo website, or other InsureandGo marketing channels
    • Insure & Go Insurance Services Limited will notify the winner by email, no later than 27th July 2022
    • The winner must reply to InsureandGo’s message to claim their prize within 48 hours of being notified
    • Those entering our competition must be over 18 and resident in the United Kingdom
    • Only 1 entry per email
    • No purchase necessary
    • Place of draw: 2nd Floor, Maitland House, Warrior Square, Southend-on-Sea, SS1 2JY. 
    • Any dispute regarding this promotion will be referred to the Promoter’s CEO whose decision will be final
    • Entrants must not be employees or relatives of employees of any company within the AllClear group
    • Entry implies acceptance of these Terms and Conditions
    • Winners available on request

    * We reserve the right in our absolute discretion to extend the closing date where, in our view, the entries are insufficient in number.

    ** We reserve the right to substitute the prize for another product of the same value.

    We reserve the right to amend these terms and conditions at any time.

     

    Spring Competition - Terms and Conditions:
    • Closing date of the competition – 23:59 pm on 7th April 2022*
    • The Competition Promoter is Insure & Go Insurance Services Limited which is registered in England and Wales No: 04056769. Registered Office: 2nd Floor, Maitland House, Warrior Square, Southend-on-Sea, SS1 2JY.  Financial Conduct Authority firm Reference Number 309572.
    • The prize winner will be randomly selected from all correct entries by the Head of Marketing at InsureandGo on 8th April 2022
    • For entry into this competition, the entrant must have given their email address, agreed to subscribe to InsureandGo marketing communications, accepted the competition terms and conditions, answered the relevant question correctly, and upon email request from InsureandGo,  provide a postal address for the prize to be delivered **
    • By entering this competition, you agree to the publishing/sharing of your name for further publicity on the InsureandGo website, or other InsureandGo marketing channels
    • Insure & Go Insurance Services Limited will notify the winner by email, no later than 11th April 2022
    • The winner must reply to InsureandGo’s message with their postal address to claim their prize within 48 hours of being notified
    • The prize will be sent to the winner by post to the address stated in their message to InsureandGo**
    • Those entering our competition must be over 18 and resident in the United Kingdom
    • Only 1 entry per email
    • No purchase necessary
    • Place of draw: 2nd Floor, Maitland House, Warrior Square, Southend-on-Sea, SS1 2JY. 
    • Any dispute regarding this promotion will be referred to the Promoter’s CEO whose decision will be final
    • Entrants must not be employees or relatives of employees of any company within the AllClear group
    • Entry implies acceptance of these Terms and Conditions
    • Winners available on request

    * We reserve the right in our absolute discretion to extend the closing date where, in our view, the entries are insufficient in number.

    ** We reserve the right to substitute the prize for another product of the same value.

    We reserve the right to amend these terms and conditions at any time.

    Valentine’s competition - Terms and Conditions:
    • Closing date of the competition – 23:59 pm on 28th February 2022*
    • The Competition Promoter is Insure & Go Insurance Services Limited which is registered in England and Wales No: 04056769. Registered Office: 2nd Floor, Maitland House, Warrior Square, Southend-on-Sea, SS1 2JY.  Financial Conduct Authority firm Reference Number 309572.
    • The prize winner will be randomly selected from all correct entries by the Head of Marketing at InsureandGo on 1st March 2022
    • For entry into this competition, the entrant must have given their email address agreed to subscribe to InsureandGo marketing communications, accepted the prize draw terms and conditions, answered the relevant question correctly, and upon email request from InsureandGo,  provide a postal address for the prize to be delivered **
    • By entering this competition, you agree to the publishing/sharing of your name for further publicity on the InsureandGo website, or other InsureandGo marketing channels
    • Insure & Go Insurance Services Limited will notify the winner by email, no later than 4th March 2022
    • The winner must reply to InsureandGo’s message with their postal address to claim their prize within 48 hours of being notified
    • The prize will be sent to the winner by post to the address stated in their message to InsureandGo**
    • Those entering our competition must be over 18 and resident in the United Kingdom
    • Only 1 entry per email
    • No purchase necessary
    • Place of draw: 2nd Floor, Maitland House, Warrior Square, Southend-on-Sea, SS1 2JY. 
    • Any dispute regarding this promotion will be referred to the Promoter’s CEO whose decision will be final
    • Entrants must not be employees or relatives of employees of any company within the AllClear group
    • Entry implies acceptance of these Terms and Conditions
    • Winners available on request

    * We reserve the right in our absolute discretion to extend the closing date where, in our view, the entries are insufficient in number.

    ** We reserve the right to substitute the prize for another product of the same value.

    We reserve the right to amend these terms and conditions at any time.