General Conditions of Use
The services offered by Insurte are subject to the general conditions of use listed below.
Access to and use of the site means that you accept its terms without reservation. Your agreement on its content results from this consultation without you having to affix your handwritten signature on any document.
If you have any further questions, please do not hesitate to contact us: contact@insurte.com
The use of the site is free. The costs of accessing and using the telecommunications network are, however, borne by the User according to the terms and conditions set by their access providers and telecommunications operators.
Insurte offers an online panel of travel insurance all compliant especially with Schengen visa requirements “Regulation (EC) No 810/2009 of the European Parliament and of the Council of 13 July 2009” https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX%3A32009R0810
Insurte bases its proposals on a sufficient analysis of the products offered on the market, allowing Customers a choice most suited to their needs.
The entire purchasing process is online, including your consent. You will not receive a paper version. You must have a valid email and valid payment method with an account sufficiently funded for payment. You certify that you are legally capable of contracting.
To present the different available options Insurte needs personal information about the prospect travelers (for more information on the protection of personal data and cookies, please go to the Privacy Policy and Cookies Policy sections).
The options available depend on different criteria (country of arrival, etc.).
You agree to answer all questions completely and accurately and not to impersonate another person.
Any non-disclosure or misrepresentation concerning the elements of risk known to the Policyholder exposes her/him to the penalties provided by the Insurance Code, namely: reduction of indemnities or nullity of the Subscription to the Policy. Any non-disclosure or misrepresentation concerning the elements of the claim known to the Policyholder, exposes her/him, in case of bad faith, to the following sanction: nullity of the Subscription to the Policy, with paid premiums, then remaining the property of the insurer.
Insurte is not responsible for errors, omissions, inaccuracies that may be made in the information provided by the User. Insurte reserves the right to request any supporting documents relating to these elements and possibly to suspend the service for the time necessary to provide these supporting documents.
The presentation of the results among available options is in the function of the price from least expensive to most expensive.
Only part of the guarantees and information are presented for simplicity of understanding. The Guarantees and information presented are among the most important.
You can have messages like the best sales, low prices, etc. They are present for information on concrete data.
In the Results you can download for each options the Pre-contractual information notice, the IPID and Terms & Conditions for obtaining all information before your choice:
- Pre-contractual information notice
- Healix
- My Trip Cover
- Capacity Insights
The price is important but not only. Please select the plan that suits you and your travel needs and specifics.
The information provided by Insurte is for information only and does not exempt the User from the further and personalized analysis.
Our one trip options prices are per day and per traveler with a minimum of 7 days.
Our annual multi-trips (with max 90 days per trip) option price is per year and per traveler.
Annual plans are offered with or without automatic annual renewal.
The modification of the premiums is the sole decision of INSURTE.
Any exchange-related costs and bank charges will remain at the expense of the Insured.
In case of payment refusal, we can try to collect the payment several times.
All options are not available for all travelers.
You can insure a maximum of 10 beneficiaries in a single contract.
When processing your contract, you must accept this declaration:
By clicking on 'CONFIRM MY INSURANCE' you declare that you have read, before any agreement, the pre-contractual information notice, the insurance product information document (IPID), the Terms & Conditions, the General Conditions of Use, the Legal Notice, the Privacy Policy, the Cookies Policy and the Disclaimer. You agree that the entire purchasing process is online, including your consent and that you will not receive a paper version. You recognize that the guarantees, as described in the Terms & Conditions, constitute a solution adapted to your needs and requirements. You thus agree to take out the travel Insurance Contract and to authorize the processing of your personal data according to our Privacy Policy. You confirm that you have the legal capacity to contract.
It has the same value between the parties as a handwritten signature.
The computerized registers are kept in computer systems as proof of communications between the parties.
To buy and pay you must be of legal age and legally capable of contracting.
A third party can purchase or pay.
Payments are powered by Stripe for bank cards and wallets:
- Visa
- Mastercard
- American Express
- JCB
- Discover
- Diners Club
- Apple Pay
- Google Pay
- Link
- etc.
If your payment does not work, please contact your bank and retry your purchase on the site.
In case of effective payment you receive your contract, the IPID, the Terms & Conditions, and the Receipt:
- On the confirmation page and by email
If you don’t receive it please check your spams.
For any questions, you can contact us by email at contact@insurte.com or by the forms on the site or by chat.
If our agents are offline on the chat, you can send us a ticket and receive the response later.
The site is available in different languages but potentially not all the processes and documents.
We use a professional translation, but some slight differences may appear between languages.
Insurte cannot assert or guarantee that the information available on its website is exhaustive.
You are informed that despite all the care and diligence, the information and the results are likely to contain errors or approximations.
We present the opinions of some of our customers on the site by choosing different situations to inform and maintain anonymity.
Procedure in case of disputes:
If you wish to register a complaint about the sale or administration of your policy:
Please email us at HIScomplaints@healix.com,
or;
Write to The Complaints Manager, Healix Insurance Services Ltd, Healix House, Esher Green, Esher, Surrey.
KT10 8AB.
If you are not happy with our final decision on our complaint then you may be able to pass your complaint onto
the Financial Ombudsman Service (FOS). The FOS is an independent organisation and will review your case.
Their address is:
The Financial Ombudsman Service Exchange Tower London E14 9SR Phone : 0800 023 4607 Website www.financial-ombudsman.org.uk
You can have a right of renunciation. All the provisions relating to the right of renunciation are present in the Terms and Conditions:
- Healix
- My Trip Cover
- Capacity Insights
In case of visa refusal, you have 14 days from the official notification to request your cancellation and refund by email (please attach the official proof of refusal from the Consulate/Embassy): contact@insurte.com
In all cases of medical incident, your Insurer must be informed in advance by telephone 24/7 and have given its express agreement for any request of assistance (check your contract to have the name of your Insurer):
- Healix
In the case of a medical emergency, contact the emergency assistance company by phone 24/7 :
For all other claims, notify the claims handlers by email or phone quoting scheme code: A46893.
Tel: +44(0)208 667 2467 - Email: claim@sentrysolutions.co.uk
- My Trip Cover
In the case of a medical emergency, contact the emergency assistance company by phone 24/7 :
For all other claims, notify the claims handlers by email or phone quoting scheme code: A46893.
Tel: +44(0)208 667 2467 - Email: claim@sentrysolutions.co.uk
- Capacity Insights
In the case of a medical emergency, contact the emergency assistance company by phone 24/7 :
For all other claims, notify the claims handlers by email or phone quoting scheme code: A46893.
Tel: +44(0)208 667 2467 - Email: claim@sentrysolutions.co.uk
Consulates and embassies can check the validity of Insurte travel insurance using the forms on the website or by email: contact@insurte.com
The Frequently Asked Questions (FAQ) page is informative and not exhaustive. It does not replace:
- Legal Notice
- General Conditions of Use
- Privacy Policy
- Cookies Policy
- Disclaimer
- Pre-contractual information notice
- Healix
- My Trip Cover
- Capacity Insights
Please check the answer to your questions by different searches on different media and websites.
We reserve the right to modify, at our sole discretion and without notice, the general conditions of use and all the sites. In this case, the new version will be published on the website. After entry into force of the modifications, a renewed use of the site will confirm that you accept these new conditions.
Insurte reserves the right to make changes to the site, in particular by providing new functionalities or by modifying and / or deleting functionalities to date offered to the User from the site.
We strive to allow 24/7 access to the site, except in cases of force majeure, an event beyond our control, breakdowns, and maintenance interventions necessary for the proper functioning of the site and services.
Insurte cannot guarantee the availability of the site and services or performance in terms of response time or quality.
Insurte may interrupt the site or part of the services at any time without notice, all without the right to compensation.
No technical assistance is planned for the user.
Insurte cannot be held liable in the event of the impossibility of access to the site and/or services.
Any fraudulent access to the site is prohibited and penalized.
The User agrees to take all appropriate measures to protect his own data and / or software from contamination by possible viruses on the Internet network.
Watch out for phishing! Phishing is a scam consisting of usurping the identity of a trustworthy third party in order to obtain confidential data, in particular banking data, in order to make fraudulent use of it. In case of doubt or questions, contact Insurte: contact@insurte.com
Conflict of Interest Insurte pays special attention to avoid conflicts of interest.
Site Ownership All of the elements making up the site are either the property of Insurte or the property of third parties who have given their consent to reproduction. The reproduction, total or partial of this site, by any process whatsoever, and/or of the elements appearing there, without the express prior authorization of Insurte is prohibited. Any hypertext link referring to the site is strictly prohibited (using the “framing” or “in-line linking” technique too).
Prevailing Language & Notices Any formal proceeding and legal action have to take place in writing and English.
Governing law and court
This website is governed by the laws of the Republic of France. French Courts have exclusive jurisdiction to settle any dispute relating to or in connection with this website, regardless of where the user lives and/or where they connect to the Internet.
Withdrawal Form
In order to exercise your right of withdrawal, please use the following model by email contact@insurte.com
To INSURTE,
I, the undersigned, (Mr/Ms, Last Name, First Name, Address, Country, Date of birth, Place of birth), hereby cancel my subscription number ins_XXXXX concerning the insurance policy taken up on (date) through Insurte.
I certify that he has not been the subject of a request for coverage of a claim, that there is no claim in progress, that this insurance policy has not been used with authorities for a non-refused visa application, that the trip has not started and I know that I could not benefit from any guarantees.
(date)
Signature
ABOUT OUR INSURANCE SERVICES
The Financial Conduct Authority (FCA)
The FCA is an independent watchdog that regulates financial services. Use this information to decide if our
services are right for you.
Who are we?
We are Healix Insurance Services Ltd, located at Healix House, Esher Green, Esher, Surrey, KT10 8AB. Company
number 05484199. Our trading styles are Healix, Capacity Insights, Mytripcover and Insurte.
Who do we act for?
We act as agent of the insurer in our dealings with you.
Whose products do we offer?
We provide travel insurance policies insured by Hamilton Insurance DAC.
Which service will we provide you with?
You will not receive advice or a recommendation from us about which travel insurance policy to purchase. We
may ask some questions to narrow down the selection of products that we will provide details on. You will
then need to make your own choice about how to proceed.
What will you have to pay for our services?
We charge a fee for administration services that are automatically included in the total policy cost charged to
you and clearly shown at the point of insurance purchase and on your validation certificate.
Our earnings
In return for placing business with insurers we receive a commission from them which is a percentage of
the premium that you are charged. Please be assured that at no time will the way in which we are
remunerated conflict with our responsibilities to meet your needs and treat you fairly.
Protecting your money
Prior to your premium being forwarded to the insurer (or forwarded to you in the event of a premium refund)
we hold your money as an agent of the insurer with which we arrange your insurance. Where we hold
premium as the agent of the insurer it is regarded as received by the insurer.
Your duty of disclosure
You must take reasonable care not to make a misrepresentation to the insurer. This means that all the
answers you give and the statements you make as part of your insurance application, including at renewal
and when an amendment to your policy is required, should be honest and accurate. If you deliberately or
carelessly misinform the insurers, this could mean that part of or all of a claim may not be paid.
Who regulates us?
Healix Insurance Services Ltd is regulated and authorised by the FCA (Financial Conduct Authority), registration
number 437248. You can check this on the Financial Conduct Authority Register by visiting https://www.fca.org.uk
Our permitted business is arranging travel insurance policies.
How to claim
Please refer to your policy documentation if you need to notify a claim. You should contact us or the insurer
direct as soon as you become aware of any incident which could give rise to a claim. If in doubt about whom
you should contact, or if you require our assistance in relation to a claim or potential claim, please contact us.
How to cancel
If you cancel your policy within 14 days from the date of purchase or the day on which you receive your policy
documentation, whichever is the later and travel has not already taken place and no claims have been made or
are pending, the premium will be refunded in full. If you wish to cancel after the 14-day cooling off period, no
refund will be made unless your visa application has been rejected by the competent authorities and you
request your policy cancellation within 14 days of the competent authority notifying you of the rejection.
What to do if you have a complaint?
If you wish to register a complaint about the sale or administration of your policy:
Please email us at HIScomplaints@healix.com, or; Write to The Complaints Manager, Healix Insurance Services Ltd, Healix House, Esher Green, Esher, Surrey.
KT10 8AB.
If you are not happy with our final decision on our complaint then you may be able to pass your complaint onto
the Financial Ombudsman Service (FOS). The FOS is an independent organisation and will review your case.
Their address is:
The Financial Ombudsman Service
Exchange Tower
London
E14 9SR
Phone : 0800 023 4607
Website www.financial-ombudsman.org.uk
Are we covered by the Financial Services Compensation Scheme?
We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our
obligations. This depends on the type of business and the circumstances of the claim. Insurance advising and
arranging is covered for 90% of the claim, without any upper limit.
Further information about compensation scheme arrangements is available from the FSCS.
Protecting your information
We take your privacy extremely seriously and we will only use your personal details in line with our Privacy
Notice. Please read our Privacy Notice carefully, which can be found on our website and contact us
immediately if you have any queries.