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These are the terms and conditions which apply to your use of this website. Please read them carefully. By proceeding with access to this website you are deemed to have accepted these terms and conditions. We reserve the right to vary the conditions of use at any time and will post any variations here.


This website, (“the Website”) is owned and operated by Freedom Insurance Services Ltd (“us”, “we”) a private limited company registered in England and Wales (number 4399749) whose registered address is 16-20 Regent Street, Cambridge, CB2 1DB.

Freedom Insurance Services Ltd is authorised and regulated by the Financial Conduct Authority reference number 306536. VAT no 897396347.

Freedom Insurance Services Limited is part of the NW Brown Group Limited, based in Cambridge, UK

Use of Website

We reserve the right to change, modify, substitute, suspend or remove any material or content on the Website without notice, from time to time without there being any liability on our part. You further accept that such changes may result in your being unable to access the Website or part of it. We may have to suspend the Website from time to time to carry out maintenance and to make upgrades.

The website is intended for your personal non-commercial use only. You agree not to interfere or gain entry to the website with intent to corrupt, damage or deny service.

You agree to use the Website only for lawful purposes, and in a manner that does not infringe the rights or, restrict or inhibit the use of the website by any third party

Site Access and Password Usage

In some areas on the Website you will be asked to register with us. It is your responsibility to maintain the confidentiality of your details and your password and to restrict access to your computer to prevent unauthorised access to your account. You must inform us immediately if you have reason to believe that your password is being used in an unauthorised manner.

You warrant that all information provided on registration at and otherwise provided by you on the Website shall be true, complete and accurate. You agree to immediately inform us if your information changes.

Availability of Site

We have taken great care in preparing this website but given the unpredictability in technology, matters may arise that are beyond our control. Therefore, we cannot guarantee the function, operation or accessibility of the Website will be uninterrupted or error free that defects will be corrected or that the Website will be free of viruses or other harmful elements. Occasionally access may be suspended or restricted to enable us to repair, maintain or update the Website.

The colours we use, as well as the display colour capabilities of your particular computer monitor, will greatly affect what you can actually see on the screen. We cannot be held responsible for the limitations of technology and cannot guarantee that your monitor’s display of any colour, texture, or detail graphics or visual elements of the Website will be accurate.

Intellectual Property

The Copyright and all other intellectual property rights in the material contained in the Website, together with the website design, text graphics, and their selection and arrangement, all software complications, underlying source code and software (applets) belong to us or our licensors. All rights are reserved. None of this material may be reproduced or redistributed without our prior written permission. You may, however, download or print a copy for your own non-commercial personal use.

Telephone Calls

Telephone calls that are made to the medical screening line operated by Freedom Insurance Services Ltd will be monitored and recorded. The medical screening line is available Monday to Friday 8.30am - 5.30pm and Saturday 8.30am - 1.00pm. Closed on Bank Holidays.

Payment and Security

Full payment of insurance products from this website should be made at the time of booking, in the secure area of the website. We can accept payment via all major credit/debit cards excluding American Express. No extra charge is applied by us for use of credit cards.


Every effort is taken to ensure that this website is accurate and up to date and it is our aim to correct errors or omissions as soon as possible. However on occasion there may be an error in the price or type of insurance shown. In this case we reserve the right to cancel or amend any contract we have entered into with you. This would be without liability to you and a refund would be provided where applicable.

Nothing within this website is or should be considered as financial or other advice or a recommendation to purchase any product or service. We recommend that independent professional advice is sought before you purchase any product/service from this website.

This disclaimer does not affect your statutory rights in respect of any products or services that you purchase from this Website.


If you live in England and Wales, these conditions of use will be governed by English law and the Courts of England and Wales will have exclusive jurisdiction to intermediate on any dispute between us.

If you live in Scotland, these conditions of use will be governed by Scottish law and the Courts of Scotland will have exclusive jurisdiction to intermediate on any dispute between us.

Data Protection

Freedom Insurance Services Ltd takes your privacy very seriously. Your legal rights are protected and we promise to do all we can to protect your privacy as set out in our Privacy Policy. Any personal information supplied by you via this website or over the telephone is stored in-keeping with the Data Protection Act 1998 (including any further amendments) and the Privacy and Electronic Communications Regulations 2003.

Exclusions of Liability

We use reasonable endeavours to ensure that the data on the Website is accurate and undertake to correct any errors or omissions. However, we do not guarantee that the Website will be fault free and we do not accept liability for any errors or omissions.

We do not give any warranty that the Website is free from viruses or other harmful elements which may affect any technology.

Due to the nature of electronic transmission of data over the internet, any liability we may have for any losses or claims arising from an inability to access the Website, or from any use of the Website or reliance on the data transmitted using the Website, is excluded to the fullest extent permissible by law.

We do not exclude or limit our liability for death or personal injury arising as a result of the negligence of us, our employees, agents or authorised representatives, or limits our duties or any liability under the Financial Services and Markets Act 2000, as amended, (‘FSMA’) or any conduct of business rules developed pursuant of FSMA.

You shall indemnify us in respect of all costs (including legal costs on a full indemnity basis), losses, expenses and claims in respect of or in connection with:

  1. Any improper use by you of the Website
  2. Any breach by you of any of these Terms or any relevant legislation or regulations; and
  3. Any claim brought against us as a result of or in connections with your actions or omissions

As you view the Website, there may be reference to specific terms and conditions which apply to certain products and services. In such circumstances, it is your responsibility to refer to such terms and conditions applicable to those offers.

Force Majeure

If we are unable to perform our obligations to you (or able to perform them only at unreasonable cost) because of circumstances beyond our control, we may then cancel or suspend any of our obligations to you, without liability. Examples of those circumstances include act of God, accident, explosion, fire, transport delays, strikes and other industrial disputes.

Your Obligations

You agree to take reasonable precautions to ensure that any data you submit to the Website is true and accurate and free from viruses and anything else which may have a contaminating or destructive effect on any part of the Website or any other technology

Complaints Procedure

We are committed to providing you with an exceptional level of service and customer care. We realise that things can go wrong and there may be occasions when you feel that we have not provided the service you expected. When this happens, we want to hear about it so that we can try and put things right.

Who to Contact?

The most important factors in getting your complaint dealt with as quickly and efficiently as possible are:

  1. to be sure you are talking to the right person and;
  2. that you are giving them the right information.

Initiating your complaint:

If your complaint relates to the Website or the Medical Screening Service, please contact Freedom Insurance Services Ltd by telephoning 01223 720 233

* Please be advised, the Medical Screening Service, operated by Freedom Insurance Services Ltd, is unable to sell, cancel or answer questions regarding your basic travel insurance policy. If you have a complaint that relates to your travel insurance policy or a claim, please contact your insurance provider direct.