Terms & Conditions

When you’re using our website, you’ll be entering into this agreement with PayingTooMuch (also includes TICORP Limited and Eclipse Financial Management Limited). References to ‘the website’, ‘our’, ‘we’ and ‘us’ refer to TICORP Limited.

 

Please read these terms and conditions carefully before you start using our website. By using this website, you’re accepting these terms and conditions.

 

You must NOT use our website if:

 

•  You don't want to accept these terms and conditions; or

 

• You're under 18; or

 

•  You're not a resident of the UK.

The information we show on our website belongs to us and is provided for your use only.

 

We cannot provide financial advice for the products we compare for you or advice on their suitability for your needs. All our partners and panel brands are treated equally, so that you can compare travel insurance fairly.

 

We work hard to keep our website up to date and any information or messaging used will be accurate at the time of publication. We’re not liable for any errors that may be found on the website.

You should only use this website for personal use or for purposes legitimately connected with purchasing our products and services. You must not access, use or copy any information from this website for any commercial or unlawful purposes. You mustn’t copy, distribute or change any material used on this website, unless you want to print off a copy of a particular page for your own use.

 

When you’re filling out any information, you need to make sure that you’re filling it out accurately, and to the best of your knowledge. If you don’t complete it honestly and accurately, your policy may be cancelled, treated as if it never existed or could mean a claim is rejected or not paid in full. To compare travel insurance policies, you will need to have a valid email address.

 

The comparison service we provide you is free to use. If you use our service and buy a policy, we receive commission from the brand that you buy from. 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.

Our website is operated by TICORP Limited which is registered in Gibraltar. Company number 111526.

 

PayingTooMuch is a trading name of TICORP Limited which is registered in Gibraltar. Company number 111526. Registered office: Suite 23, Portland House, Glacis Road, Gibraltar, GX11 1AA. 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.

 

PayingTooMuch is administered by Eclipse Financial Management Limited which is registered in England and Wales number 07412856. Registered office: Britannia House, 3-5 Rushmills Business Park, Bedford Road, Northampton, NN4 7YB. Eclipse Financial Management Limited provide financial services and is authorised and regulated by the Financial Conduct Authority, reference 535496.

 

If you’d like to know more about TICORP Limited or Eclipse Financial Management, you can visit the FCA website or get in touch with our compliance officer via [email protected].

 

We will always try to provide you with uninterrupted access to our website. But we cannot guarantee this and may stop, suspend or restrict your access to our website at any time if this is required for security, legal or reasons we determine.

Our website allows you to apply for a number of products and services. These products and services may be provided by third parties and not us. If you apply for and obtain any product or service, you may be contracting with a third party that will be providing that product or service to you on their own terms and conditions.

 

You are responsible for ensuring that you understand and agree with the terms and conditions of the third party that will be providing the product or service to you before entering into that contract. Your access and use of their websites is at your sole risk, and it is your responsibility to ensure that you understand and agree with the terms and conditions of the third party whose website you access or use.

 

We complete lots of checks with any insurance providers that appear on our panel to make sure that they’re operating correctly and can offer a product or service that our customers require. We regularly check to make sure that they’re still regulated by the FCA. However, if you’d like to check a particular company, you can visit the FCA website.

If you use our website, we’ll expect you to do so within these terms and conditions. If we think you’ve breached any of these terms and conditions or demonstrated inappropriate behaviour when using our website, we may take measures to terminate or suspend your access to the website.

If your

 

use of our website causes us to suffer any loss or damage, you’ll be responsible for reimbursing us for the loss or damage we may suffer.

We compare multiple brands and show you all the prices that we get back from our partners, so that you can compare travel insurance quickly and easily. The prices that we show you are valid at the time they’re shown to you. Please be aware that products and prices are subject to change.

Logos, trademarks and material we display on our website along with the software, know-how and processes we use to run our website belong to us.

 

This means all copyright, design rights, patents, inventions, trading names, service marks and trademarks, logos, domain names, moral rights, database rights, data, source code, software, specifications, know how, processes and business methods (in all cases whether registered or unregistered and including all rights to apply for registration) in and relating to this website are owned by or licensed to us.

 

You agree that we make our intellectual property available to you for your personal use only. We will allow you to use this intellectual property for your personal, non-commercial use including temporarily printing off one copy, downloading or storing extracts from our website on the condition that you:

 

• Comply with the all the terms and conditions of this agreement.

 

• Do not copy, alter, modify, reformat, sell, distribute or publish any of the material.

 

• Do not create any derivative works.

 

• Do not link to any part of our website.

 

• Do not print or download any logos, trademarks, service marks or image except as part of the complete webpage of which they form a part.

Customers must refer to third-party websites for full terms and conditions.

If you need to contact us for any reason, you can find all the information you need on our website.

 

If you’d like to understand more about how we keep your information safe, you can read our privacy policy.

If you’re unhappy with the service you’ve received, you can contact us directly. We’ll do everything we can to make sure that you receive great service but if you’re not satisfied with the service you’ve had and you’d like to complain, please contact us and we’ll try to resolve it as quickly as we can.

 

To make a complaint:

 

Call our team on 03330 606 854

 

Email us at [email protected].

 

Or write to us at

 

PayingTooMuch Complaints Manager

 

Britannia House

 

3 – 5 Rushmills Business Park

 

Bedford Road

 

Northampton

 

NN4 7YB

 

We aim to resolve the issue within 3 days, but if not, we’ll complete a full investigation and keep you updated, including the final outcome. You will receive a final response within 8 weeks of your complaint being received by the PayingTooMuch team. If you’re not satisfied with the outcome, you’ll have 6 months to refer the matter to the Financial Ombudsman Service:

Exchange Tower, Harbour Exchange Square, London, E14 9SR

 

Tel: 0300 1239 123 or 0800 0234 567

These terms and conditions may be revised from time to time. If they’re revised, we’ll post a revised version, along with the amendment date on our website. The amended version will be effective immediately.

 

Last updated: 8 October 2025

1. We have made arrangements with Saily and Nord to gift customers who buy a new policy through payingtoomuch.com between 07/09/2026 and 30/11/2026 a free eSIM with 3GB of data and access to a free VPN for 2 months.  

2. The promotion applies to new single trip and annual multi-trip policies only and is for1 x eSIM and 1 x VPN per policy.

3. Customers must be over 18+ and must have been permanent residents of the UK for 6 of the last 12 months.

4. Policies can be bought over the phone or online at payingtoomuch.com.

5. No cash alternative will be given.

6. The offer cannot be redeemed against existing policies.

7. PayingTooMuch reserves the right to amend these rules at any time.

8. The promoter of these offers is TICORP Limited, with company number 111526 whose registered office is at Suite 23, Portland House, Glacis Road, Gibraltar, GX11 1AA.

9. This free 3GB eSIM will be provided by Saily. The 3GB eSIM provided is Saily 3GB Top Destinations 30-day plan, which covers: Aland Islands, Albania, Australia, Austria, Belgium, Brazil, Bulgaria, Canada, China, Croatia, Cyprus, Czechia, Denmark, Egypt, Estonia, Finland, France, Germany, Gibraltar, Greece, Hungary, Iceland, India, Indonesia, Ireland, Italy, Japan, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Mexico, Montenegro, Morocco, Netherlands, Norway, Poland, Portugal, Romania, Serbia, Singapore, Slovakia, Slovenia, South Africa, South Korea, Spain, Sri Lanka, Sweden, Switzerland, Thailand, Tunisia, Turkey, United Arab Emirates, United Kingdom, United States, Vietnam.

10. The 2 months free VPN Basic plan will be provided by Nord.

11. Following the purchase of a qualifying policy customers will receive an e-mail providing activation codes for the offers. It is your responsibility to make sure that your device is compatible with the eSIM and VPN, not the responsibility of PayingTooMuch.

12. To activate the free 3GB eSIM customer should visit https://saily.com/activate-code/ and follow the activation instructions. By activating the code customer agrees to Saily’s Terms of Service and Privacy Policy.

13. To the activate the free 2 months VPN customers should visit https://my.nordaccount.com/activate/ and follow the activation instructions. By activating the code customers agree to Nord's Terms of Service and Privacy Policy.

14. Nord and Saily shall each maintain their own terms and conditions governing the use of their respective services. Users must comply with the terms and conditions applicable to each service they use.

15. Activation codes will only be usable once per code and must be activated by 31 December 2027. No payment details need to be provided to activate your free eSim or free VPN and there's no ongoing obligation. 

16. Product activation codes are intended exclusively for PayingTooMuch customers use, and it is strictly prohibited for PayingTooMuch customers to share, distribute or reproduce the activation codes with any other third parties and/or any third-party platforms. We reserve the right to monitor sales and cancellations and take action if we identify any exploitation of the offer. In the event a Product(s) activation code is resold, leaked, disclosed, shared or otherwise made publicly available in any online media channel, forum or unauthorised platform, Nord reserves the right to deactivate the activation code.

17. No personal data will be shared by PayingTooMuch with Saily and Nord.

18. PayingTooMuch is not responsible for any outages, data loss or technical issues caused by the use of the eSIM and / or VPN.