Our Service | PayingTooMuch

You should carefully read these terms that apply to our appointment by you and the services we will provide.

Definitions

In this Terms of Business Agreement “we”, “us” and “our” means TICORP Limited.

About PayingTooMuch

PayingTooMuch are an insurance intermediary comparing travel insurance quotes from our panel of insurance providers.

PayingTooMuch is a trading name of TICORP Limited which is registered in Gibraltar. Company number 111526. Registered office: First Floor, Grand Ocean Plaza, Ocean Village, Gibraltar. TICORP Limited is authorised and regulated by the Gibraltar Financial Services Commission and trades in the UK on a freedom of services basis. Financial Conduct Authority FRN 663617.

TICORP Limited is part of Staysure Group Limited, which is made up of different insurance providers. The below insurance providers on our comparison website are also part of Staysure Group Limited:

• Avanti Go;
• InsureMe4;
• Travel Insurance Medical.

Ownership

Ticorp Limited is a wholly owned subsidiary of Staysure Holdings Limited.

Your agreement to these Terms of Business

In seeking insurance through us, you agree to our terms of business. This does not affect your normal statutory rights.

About our service

You will not receive advice or personal recommendations from us. We will ask you necessary questions during the quote process in order to refine the product(s) that we will provide details on. You will need to make your own informed choice about which policies are best suited to your needs.

In arranging your insurance, we act on your behalf.

We offer you quotes from a range of travel insurance providers who are:

Avanti Go, Flexicover, Holidayrisk, InsureMe4, Ok To Travel, TopDog and Travel Insurance Medical.

Important information

It is your responsibility to ensure that you provide us with complete and accurate information when arranging your insurance. Please take care to answer all of the questions honestly and to the best of your knowledge. If you do not, your policy may be cancelled, or treated as if it never existed, or your claim rejected or not paid in full.

When a policy and related documents (e.g policy document and an Insurance Product Information Document) are issued, you are strongly advised to read them carefully as they form the basis of the cover you have purchased. If you are in doubt over any of the policy terms or conditions, please contact your insurance provider.

We are acting on a ‘non-advised’ basis which means that we have provided you with information about the significant features, benefits, limitations and exclusions of the policy and have not provided you with a personal recommendation as to whether this policy is suitable for your specific needs. It is your responsibility to ensure that the policy is suitable for you.

Travel insurance products are designed to meet the demands and needs of those who wish to be insured for specific risks whilst travelling, such as overseas medical expenses, cancellation cover and baggage cover.

Solvency of Insurers

We cannot guarantee the solvency of any insurer with which we place business. This means that you may still be liable for any premium due and not be able to recover the premium paid, whether in full or in part, should an insurer become insolvent.

Financial crime

Please be aware that current UK money laundering regulations require us to obtain adequate ‘Know Your Client’ information about you. We are also required to cross check you against the European Union, United States and HM Financial Sanctions List as part of the information gathering process to detect and prevent terrorist funding.

We are obliged to report to the National Crime Agency and/or Serious Fraud Office any evidence or suspicion of financial crime at the first opportunity, and we are prohibited from disclosing any such report. We will not permit our employees or other persons engaged by them to be either influenced or influence others in respect of undue payments or privileges from or to insurers or clients.

Cancellation

You have the right to cancel your insurance within 14 days of purchase or from the date you receive your documents, whichever is later. Please refer to your insurance provider’s policy documentation for details on your right to cancel.

Remuneration

We do not charge a fee for arranging your insurance. If you use our service and buy a policy, we receive commission from the brand that you buy from. You are entitled, at any time, to request further information regarding the amount of any commission which we may have received.

Complaints

At PayingTooMuch, we will do everything possible to ensure that you receive a high standard of service. However, if you are not satisfied with the service received and you wish to register a complaint, please contact us and we will try to resolve it as quickly as possible.

There are a number of ways you can register your complaint:

By telephone: 01243 784000

By email: [email protected]

In writing:

PayingTooMuch Complaints Manager

Britannia House

3-5 Rushmills Business Park

Bedford Road

Northampton

NN4 7YB

We will always try to resolve the issue within 3 days, but if not, we will undertake a full investigation and keep you informed of our final outcome. You will receive the final response within 8 weeks of receipt of your complaint. If you are still not satisfied with the way in which we have handled the complaint, then you have six months to refer the matter to the Financial Ombudsman Service:

The Financial Ombudsman Service, Exchange Tower, Harbour Exchange Square, London, E14

Tel: 0300 1239 123 or 0800 0234 567

Financial Services Compensation Scheme (FSCS)

We are covered by the Financial Services Compensation Scheme, and you may be entitled to compensation from the scheme depending on the type of business and circumstances of the claim if we cannot meet our obligations. Further information about compensation scheme arrangements is available from the Financial Services Compensation Scheme at www.fscs.org.uk/

Protecting your data

We collect and maintain personal information to allow our insurers to underwrite and administer the policies we issue. All personal information is treated with the utmost confidentiality and with appropriate levels of security. We will not keep your information longer than necessary. Your information will be protected from accidental or unauthorised disclosure. We will only reveal your information if it is allowed by law, authorised by you, to prevent fraud or in order that we can liaise with our agents in the administration of this policy.

Insurers share information with each other to aid the prevention of fraudulent claims. In the event of a claim, information is placed on industry registers for analysis. Under the Data Protection Act you have the right of access to your personal records held on our files and we will provide this information should you request it via a subject access request form.

For further information about your rights and how we process/handle your data, please read the Privacy Policy at www.payingtoomuch.com/privacy-policy.

To provide better customer service, your calls may be recorded and monitored for quality and compliance purposes.

You should show your summary of cover to anyone insured under the policy. We will only deal with the organiser of the policy with regard to travel insurance, unless we have express permission from the organiser to deal with other parties.

Communication / Documentation

Your chosen insurance provider will issue all documentation to you. Documentation relating to your insurance will confirm the basis of the cover and provide details of the relevant insurers. It is therefore important that the documentation is kept in a safe place, as you may need to refer to it or need it to make a claim. You should always check the documentation to ensure all the details are correct and if this is not the case you should contact your provider immediately.

Quotation validity

Quote price is only guaranteed at time of quote. Prices and results may change and are only confirmed at purchase.

Governing Law and Jurisdiction

This Terms of Business Agreement, and all quotations we obtain for you are subject to the law of England and Wales and subject to the exclusive jurisdiction of the Courts of England and Wales unless stated otherwise.

Terms of Business were last updated on 2 October 2025.