Terms and Conditions

Terms and Conditions



This legal notice applies to the entire contents of this website. Please read these terms carefully before using the Website. Using the Website indicates that You accept these Terms (including those of our Privacy Policy). This notice is issued by AICUK Ltd (Co. No.09041775) registered in England and Wales at Office 1 And 2 203 205 The Vale, London, England, W3 7QS.

1 Introduction

1.1 By accessing any part of the Website, You shall be deemed to have accepted this legal notice in full. If You do not accept this legal notice in full, You must leave the Website immediately.

1.2 AICUK Ltd may revise or modify this legal notice at any time by updating this posting. You should check the Website from time to time to review the current legal notice, because it is binding on You. Therefore, please continue to review the Terms whenever You access or use this site. Your use of this website, or any service on this website, after the posting of modifications to the Terms will constitute Your acceptance of the Terms, as modified. If, at any time, You do not wish to accept the Terms, You may not use this website. Any Terms or Conditions proposed by You that are in addition to or which conflict with the Terms are expressly rejected by AICUK Ltd and shall be of no force or effect.

1.3 You represent that You have read and agree to be bound by the Terms. You further agree:

  • (i) to comply with applicable UK, and foreign laws and regulations regarding the transmission of any data obtained from the Site (as defined herein) in accordance with the Terms;
  • (ii) not to use the Site for illegal purposes; and
  • (iii) not to interfere or disrupt networks connected to the Site.

1.4 Certain provisions of this legal notice may be superseded by expressly designated legal notices or terms located on particular pages at the Website.

2 Licence

2.1 You may not use the Site for any illegal purpose or in any manner inconsistent with the Terms. You agree to use the Site solely for the use and benefit of You and Your own organization, and not for resale or other transfer to, or use by or for the benefit of, any other person or entity. You agree not to use, transfer, distribute or dispose of any information contained in the Site in any manner that could compete with the business of AICUK Ltd. You acknowledge that the Site has been developed, compiled, prepared, revised, selected and arranged by AICUK Ltd and others (including certain other information sources) through the application of methods and standards of judgment developed and applied through the expenditure of substantial time, effort and money and constitutes valuable intellectual property and trade secrets of AICUK Ltd and such others. You agree to protect the proprietary rights of AICUK Ltd and all others having rights in the Site during and after the term of this agreement and to comply with all reasonable written requests made by AICUK Ltd or its suppliers of content, equipment or otherwise ("Suppliers") to protect their and others’ contractual, statutory and common law rights in the Site. You agree to notify AICUK Ltd in writing promptly upon becoming aware of any unauthorized access or use of the Site by any party or of any claim that the Site infringes upon any copyright, trademark or other contractual, statutory or common law rights.

2.2 You are permitted to print and download extracts from the Website for Your own use on the following basis:

  1. no commercial use;
  2. no documents or related graphics on the Website are modified in any way;
  3. no graphics on the Website are used separately from the corresponding text;
  4. AICUK Ltd’s copyright and trade mark notices and this permission notice appear in all copies;

2.2 Unless otherwise stated, the copyright and other intellectual property rights in all material on the Website (including without limitation photographs and graphical images) are owned by AICUK Ltd’s or its licensors. For the purposes of this legal notice, any use of extracts from the Website other than in accordance with clause 2.1 for any purpose is prohibited. If You breach any of the terms in this legal notice, Your permission to use the Website automatically terminates and You must immediately destroy any downloaded or printed extracts from the Website.

2.3 Subject to clause 2.1, no part of the Website except for Policy Documents, Certificates, Schedules or other information relating to a Policy purchased from the Website may be reproduced or stored in any other website or included in any public or private electronic retrieval system or service without AICUK Ltd’s prior written permission.

2.4 Any rights not expressly granted in these terms are reserved.

3 Service access and security

3.1 While AICUK Ltd endeavours to ensure that the Website is normally available 24 hours a day, it shall not be liable if for any reason the Website is unavailable at any time or for any period.

3.2 Access to the Website may be suspended temporarily and without notice in the case of system failure, maintenance or repair or for reasons beyond AICUK Ltd control.

3.3 AICUK Ltd will use all reasonable endeavours to ensure that the Website is reasonably secure. However, AICUK Ltd cannot guarantee that any information displayed on the Website has not been interfered with without its prior written consent.

3.3 AICUK Ltd will use all reasonable endeavours to ensure that the Website is reasonably secure. However, AICUK Ltd cannot guarantee that any information displayed on the Website has not been interfered with without its prior written consent.

3.4 As the owner of the Website AICUK Ltd reserves the absolute right to withdraw the Website immediately and without notice.

4 Warranty

4.1 AICUK Ltd its Supplier’s and third party agents give no warranty of any kind either express or implied in respect of the Website. Specifically, but without limitation, AICUK Ltd does not warrant that: You will be able to use the Website or that it will continue to be made available in its current or any other form; the Website or any software or material of whatsoever nature available on or downloaded from it will be free from viruses, ‘Trojan horses’, worms or defects, compatible with Your equipment or fit for any purpose and is not liable for any damage You may suffer as a result of such destructive features. It is Your responsibility to use suitable anti-virus software on any software or other material that You may download from the Website and to ensure the compatibility of such software or material with Your equipment; or any content or information published on the Website is accurate or complete.

4.2 Any warranties which would otherwise be implied by law including without limitation, warranties as to satisfactory quality, fitness for purpose or skill and care are hereby excluded.

5 Links to and from other websites

5.1 Links to third party websites and applications (apps) on the Website are provided solely for Your convenience. If You use these links or apps, You leave the Website. AICUK Ltd has not reviewed all of these third party websites or apps and does not control and is not responsible for these websites and apps or their content, security or availability. AICUK Ltd therefore does not endorse or make any representations about them, or any material found there, or any results that may be obtained from using them. If You decide to access any of the third party websites and apps linked to the Website, You do so entirely at Your own risk.

5.2 AICUK Ltd makes no representation as to the security, quality or propriety of any website and app which may be accessed through the Website and accepts no liability for the content or for any loss or damage caused or alleged to have been caused by the use of or reliance on information contained in such websites or goods or services purchased from them.

6 Disclaimer

6.1 While AICUK Ltd endeavours to ensure that the information on the Website is correct, it does not warrant the accuracy and completeness of the material on the Website. AICUK Ltd may make changes to the material on the Website at any time without notice. The material on the Website may be out of date, and AICUK Ltd makes no commitment to update such material.

6.2 The material on the Website is provided "as is", without any Conditions, warranties or other terms of any kind. Accordingly, to the maximum extent permitted by law, AICUK Ltd provides You with the Website on the basis that AICUK Ltd excludes all representations, warranties, Conditions and other terms (including, without limitation, the Conditions implied by law) which, but for this legal notice, might have effect in relation to the Website.

6.3 AICUK Ltd only offer products from a single insurer on a non advised sales basis. You will not receive advice or a recommendation from AICUK Ltd for the products offered through the Website. AICUK Ltd may ask some questions via the Website to narrow down the selection of products that AICUK Ltd provide details on. You will then need to make Your own choice on how to proceed.

7 Liability

7.1 AICUK Ltd, any other party (whether or not involved in creating, producing, maintaining or delivering the Website), and any of AICUK Ltd group companies and the officers, directors, employees, shareholders or agents of any of them, exclude all liability and responsibility for any amount or kind of loss or damage that may result to You or a third party (including without limitation, any direct, indirect, punitive or consequential loss or damages, or any loss of income, profits, goodwill, data, contracts, use of money, or loss or damages arising from or connected in any way to business interruption, and whether in tort (including without limitation negligence), contract or otherwise) in connection with the Website in any way or in connection with the use, inability to use or the results of use of the Website, any websites linked to the Website or the material on such websites, including but not limited to loss or damage due to viruses, ‘Trojan horses’, worms or defects that may infect Your computer equipment, software, data or other property on account of Your access to, use of, or browsing the Website or Your downloading of any material from the Website or any websites linked to the Website.

7.2 Nothing in these terms shall operate to exclude or restrict AICUK Ltd liability for either fraud, or death or personal injury resulting from AICUK Ltd , or its employees’ negligence, or any liability which cannot be excluded or limited under applicable law.

7.3 In respect of Premium collected via the Website, all administration for AICUK Ltd is managed by ES Risks Ltd who are covered by the Financial Services Compensation Scheme (FSCS). All premiums are collected by ES Risks Ltd and paid directly to Lloyds of London and retained under deed by ES Risks Ltd (who are authorised and regulated by the Financial Conduct Authority) to ensure adequacy of insurance cover and a reserve for all claims.

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 with no upper limit. Further information about the compensation scheme arrangement is available from the FSCS, telephone number 0800 678 1100 or +44 (0)20 7741 4100, or by visiting their website at www.fscs.org.uk.

7.4 If Your use of material on the Website results in the need for servicing, repair or correction of equipment, software or data, You assume all costs thereof.

8 Governing law and jurisdiction

8.1 This legal notice shall be governed by and construed in accordance with English law. Disputes arising in connection with this legal notice shall be subject to the exclusive jurisdiction of the English courts. The failure by AICUK Ltd to enforce any term or condition of the Terms of Use shall not be deemed as a waiver of the right to enforce such term or condition.

9 Use of FocusPoint International’s (CAP™) Travel Risk Portal

9.1 The following contains general information concerning the use of FocusPoint International’s (CAP) Travel Risk Portal.

  1. The CAP Travel Risk Portal (hereinafter referred to as the “TRP”) provides policyholders 24/7 access to a variety of travel related tools and tips; destination based health, safety and security related information; emergency contact details; and information on how to contact FocusPoint for assistance.
  2. Country risk information and late breaking alerts are comprised from open source data. The TRP does not purport to contain all the information necessary to avoid and / or respond to an actual or perceived threat during a period of travel.
  3. The TRP provides generic advice, travel tips and contact details for requesting assistance.
  4. The TRP contains country specific emergency contact details for fire, ambulance and police where available. In an emergency situation requiring immediate medical attention, FocusPoint strongly recommends the policyholder contact local emergency services prior to contacting our 24/7 Assistance Hotline.
  5. FocusPoint cannot guarantee that country specific emergency numbers will be answered, are still accurate and/or functioning when called.

10 Cancellation and refund policy

If you change your mind and wish to cancel your travel insurance policy, you have 14 days from when the policy documentation is sent to you to cancel the policy and obtain a full refund on the premium minus USD10.00 which is charged for the additional administration involved in the Policy cancellation, providing that you have not travelled or made a claim.

If you wish to cancel your policy within the 14 day cancellation period, please contact us confirming that you would like to cancel, and provide the following information:

  • Policy number
  • Date policy purchased
  • Your reason for cancellation
  • Confirmation that you have not travelled or have started a trip since purchasing the policy
  • Confirmation that you have not claimed/do not intend to claim under the policy

You will then receive a telephone call from extramileinsurance.co.uk in order to process your refund.

Alternatively you can write to us at:

Office 1 & 2
203 205 The Vale
England W3 7QS

Or call us on +44 0208 004 9818.

Please note any phone call requesting a refund of premium will need to be confirmed by email using our contact form, or by letter to the above address.

In all cases we must check against our claims database when a refund request is made as we provide cover for certain sections of the Policy from the date the Policy is purchased, not the date of travel, so it may take up to 72 hours before we are able to process any return while checks are made.

Following the expiry of Your 14-day cancellation period, You continue to have the right to cancel Your Policy at any time during its term by contacting Us, but no refund of premium will be available.

For Annual Multi-Trip Policies, the 14-day cancellation period is extended up to the start date of Your Policy.

Cancellation by Us: If You fail to satisfy the terms of Your Policy, We may choose to cancel Your Policy during the Period of Insurance:

  • by giving You 7 days’ written notice of cancellation to the last address You provided Us with; or
  • immediately if we have spoken directly to You

Examples of when We might do this includes:

  • You not paying a Premium when due; or
  • Us discovering that You are no longer eligible for cover. For example, You not meeting the eligibility requirements; or
  • Us discovering the Policy is being used for a fraudulent purpose.

If We cancel the Policy, You may not be entitled to a refund of the premium paid.

In all cases We can only refund to the credit/debit card used for the transaction and all refunds will be in USD.

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Need help?

In case of emergency:

If you need help while travelling, call FocusPoint at:
001 619 717 8549
Or email at:
FocusPoint can provide you with:
  • 24/7 Medical Emergency Assistance

  • Political and Natural Disaster Repatriation or Assistance

  • Responsive Disaster Recovery Assistance.

For general enquiries:

Contact us
For more information about our Products and Services please refer to our Help page. Visit our Key facts page for Summaries and Specimen Policy Wordings.

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