Complaints Procedure

We aim to provide you with a first class policy and service. However, there may be times when you feel we have not done so. If this is the case, please tell us about it so that we can do our best to solve the problem. If you make a complaint your legal rights will not be affected.

  1. Does your complaint relate to a claim?

    For complaints relating to all sections apart from Scheduled Airline Failure Cover and Gadget Cover:

    1. In the first instance, please contact:

      The Complaints Officer
      Claims Settlement Agencies
      308-314 London Road
      Hadleigh
      SS7 2DD

      Telephone 01702 746549
      Email: complaints@csal.co.uk

      When you make contact please provide the following information:

      • Your name, address and postcode, telephone number and e-mail address (if you have one).
      • Your policy and/or claim number, and the type of policy you hold.
      • The reason for your complaint.

      Any written correspondence should be headed ‘COMPLAINT’ and you may include copies of supporting material.

      If we are unable to resolve your complaint immediately, we will send you a written acknowledgement within 2 days of receipt. We will then investigate your complaint and, in most cases, send you a full response in writing within 2 weeks of receipt. In exceptional cases, where we are unable to complete our investigations within 2 weeks, we will send you a full written response as soon as we can, and in any event within 4 weeks of receipt of your complaint.


    2. If you are dissatisfied with our response, then you can raise the matter with the Financial Ombudsman Service, an independent body that adjudicates on complaints, at the following:

      Visit: http://www.financial-ombudsman.org.uk/

      Write to: Financial Ombudsman Service, Exchange Tower, London E14 9SR

      Phone: 0800 023 4567 or 0300 123 9 123 or

      Email: complaint.info@financial-ombudsman.org.uk


  2. Does your complaint relate to your policy?

    For complaints relating to all sections apart from Scheduled Airline Failure Cover and Gadget Cover:

    1. In the first instance, please contact:

      The Managing Director
      Explorer Travel Insurance
      Suite 9, Chalkwell Lawns
      648-656 London Road
      Westcliff on Sea
      SS0 9HR

      Telephone 0345 373 0253
      Email: enquiries@explorerinsurance.co.uk

      When you make contact please provide the following information:

      • Your name, address and postcode, telephone number and e-mail address (if you have one)
      • Your policy and/or claim number, and the type of policy you hold
      • The reason for your complaint

      Any written correspondence should be headed ‘COMPLAINT’ and you may include copies of supporting material.

      If we are unable to resolve your complaint immediately, we will send you a written acknowledgement within 2 days of receipt. We will then investigate your complaint and, in most cases, send you a full response in writing within 2 weeks of receipt. In exceptional cases, where we are unable to complete our investigations within 2 weeks, we will send you a full written response as soon as we can, and in any event within 4 weeks of receipt of your complaint.

    2. If you are dissatisfied with our response, then you can raise the matter with the Financial Ombudsman Service, an independent body that adjudicates on complaints, at the following:

      Visit: http://www.financial-ombudsman.org.uk/

      Write to: Financial Ombudsman Service, Exchange Tower, London E14 9SR

      Phone: 0800 023 4567 or 0300 123 9 123 or

      Email: complaint.info@financial-ombudsman.org.uk

    For complaints relating to Scheduled Airline Failure Cover only:

    1. In the first instance, please contact:

      Compliance Officer
      Liberty Mutual Insurance Europe SE
      20 Fenchurch Street
      London
      EC3M 3AW

      Telephone +44 (0) 20 3758 0840
      Email: complaints@libertyglobalgroup.com

      Please make sure that you quote your policy number, which can be found on your Certificate of Insurance or a claim number.

    2. If after making a complaint, you are still not satisfied, you may have the right to contact the Financial Ombudsman Service (FOS) at the following address:

      Financial Ombudsman Service
      Exchange Tower
      London
      E14 9SR

      Telephone: 0800 023 4567 0800 023 4567 – From UK Landline

      Telephone: 0300 123 9123 – From UK Mobile

      Email: complaint.info@financial-ombudsman.org.uk

      Website: https://www.financial-ombudsman.org.uk/

      To confirm whether you are eligible to ask the Financial Ombudsman Service to review your complaint please contact them at:
      https://www.financial-ombudsman.org.uk/

    For complaints relating to Gadget Cover only:

    1. In the first instance, please contact:

      The Customer Services Director
      Davies Group Limited
      Unit 8, Fulwood Business Park Caxton Road
      Preston
      PR2 9NZ

      Email: gadgetcomplaints@davies-group.com

      Telephone +44 (0) 345 0744 788

      When you make contact please provide the following information:

      • Your name, address and postcode, telephone number and e-mail address (if you have one).
      • Your policy and/or claim number, and the type of policy you hold.
      • The reason for your complaint.

      We will make every effort to resolve your complaint immediately. If we cannot resolve your complaint by the end of the third working day, we will acknowledge your complaint within 5 days of receipt and will do our best to resolve the problem within eight weeks, by sending you a final response letter.

    2. If you are still dissatisfied or you have not received our final response letter, you may refer your complaint to the Financial Ombudsman Service at the following address:

      Financial Ombudsman Service
      Exchange Tower
      London
      E14 9SR

      Telephone: 0800 023 4567 0800 023 4567 – From UK Landline

      Telephone: 0300 123 9123 – From UK Mobile

      Email: complaint.info@financial-ombudsman.org.uk

      Website: https://www.financial-ombudsman.org.uk/

      You have the right of referral within six months of the date of your final response letter. Whilst we and our UK service providers are bound by the decision of the Financial Ombudsman Service, you are not. Following the complaints procedure above does not affect your right to take legal action.