Please read this information before taking out your travel insurance:

THE UNIVERSITY OF ST ANDREWS TRAVEL SERVICE
a: THE STUDENTS UNION, 1 ST MARYS PLACE, ST ANDREWS, Fife, KY16 9UZ
tel: 01334 462345 fax: 01334 462716   

STATUS DISCLOSURE INFORMATION
The Financial Services Authority (FSA) is the independent regulator of financial services. Use this information to decide if our services are right for you.
THE UNIVERSITY OF ST ANDREWS TRAVEL SERVICE is an appointed representative of ITC Compliance Limited which is authorised and regulated by the FSA (their registration number is 313486) and which is permitted to advise on and arrange general insurance contracts
THE UNIVERSITY OF ST ANDREWS TRAVEL SERVICE only offer insurance from a limited number of insurers. A List of these insurers is available on request. No additional fees will be charged for this service.
You WILL NOT receive advice or a recommendation from us for insurance. We may ask some questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed
We always aim to provide a first class service, however if you have any cause for complaint any enquiry in the first instance should be addressed in writing to The Compliance Officer, ITC Compliance Limited, at Charnwood House, Marsh Road, Bristol, BS3 2NA. Should you remain dissatisfied you have the right to ask the Financial Ombudsman Service to review your case. You should write to the Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR. Telephone 0845 080 1800. You may be entitled to compensation should we be unable to meet our liabilities as an insurance intermediary under the Financial Services Compensation Scheme. Your entitlement to compensation will depend upon the type of business and the circumstances of your claim.
Details of ITC Compliance Limited’s authorisation (including their authorised number 313486) can be confirmed by contacting the FSA on 0845 606 1234 or by visiting the FSA’s website http://www.fsa.gov.uk/register.

DEMANDS AND NEEDS STATEMENT
Travel Insurance
This travel insurance policy will suit the Demands and Needs of an individual, or group (where applicable) who have no excluded pre-existing medical conditions, are travelling to countries included within the policy terms and who wish to insure themselves against the financial impact of specified unforeseen circumstances/events relating to or occurring during their trip.  Full details of these circumstances/events, levels of cover and terms and conditions can be found in the policy information/booklet. 
Supplier Failure Insurance
This type of insurance will suit the Demands and Needs of an individual or group (where applicable) wishing to insure themselves against unforeseen costs arising out of the financial failure (insolvency) of one or more component parts of their trip/tour (subject to specified terms, conditions and claim limits)

IMPORTANT INFORMATION
You may already possess alternative insurance(s) for some or all of the features and benefits provided by products purchased; it is your responsibility to investigate this. We will not provide you with advice about the suitability of this product for your individual needs but we will be happy to provide you with factual information to assist you in making an informed buying decision.
All policies have exclusions and restrictions to them. It is very important that you read and understand these and only purchase the policy if you are happy that you and (where applicable) every member of your party meet the eligibility criteria: Specifically for travel our policy may NOT be applicable for you if:
You are over the maximum specified age at the time of your trip
You have pre-existing medical conditions
Examples of these and other conditions and restrictions and what to do if you are unsure about any aspect of an exclusion are contained within your policy information.
If after purchasing a policy should you find it does not meet your requirements you have 14 days from  the date of issue, or prior to travel (whichever is sooner) to cancel the policy.
If you do decide to cancel your money will be refunded in full, provided no claims have been made or incident likely to give rise to a claim has arisen.
Travel policies will not cover travel to areas where the Foreign and Commonwealth Office has advised against ‘all travel’. If you are not sure whether there is a travel warning for your destination, please check with the Foreign and Commonwealth Office (phone 020 7008 0232 or 0233 or visit their website at www.fco.gov.uk).
It is your responsibility to do this and no information or guidance will be provided by ourselves in this regard.

I have read and understand the above information and confirm that I have been provided with the a copy of this document together with all relevant policy documentation to enable me to make an individual  informed buying decision based on my own personal circumstances and the merits of the policy. This buying decision was my own and I did not receive a personal recommendation or advice from THE UNIVERSITY OF ST ANDREWS TRAVEL SERVICE
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