Terms & Conditions | PayingTooMuch

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.

About us and our website
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.

Using our 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.

How our website operates

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: 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.

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.

Third party websites

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.

Your liability

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.

Price information

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.

Intellectual property rights

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.

Cashback

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

Contacting us

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.

Complaints

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 01243 784000

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:

The Financial Ombudsman Service

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

Tel: 0300 1239 123 or 0800 0234 567

Changes to our terms and conditions

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