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IMPORTANT - This policy is sold to you on a non-advised basis and it is therefore for you to read this information (paying particular attention to the terms, conditions and exclusions in the policy wording issued to you) and ensure that it meets all of your requirements. You may already possess alternative insurance(s) for some or all of the features and benefits provided by our products; it is your responsibility to investigate this and to ensure the levels of benefits are suitable for your needs.

Insurers

We work with insurers who are best suited to our requirements and we will not search the market for alternative suppliers on your behalf. No insurer owns any of our share capital. Please refer to your Policy Wording to identify the insurer for each individual product that we provide.

Documentation

You will receive policy documents by email. Please print and carry these with you whilst travelling. You may also request a copy. Our aim is to provide all correspondence in a simple, understandable format. It is important that you read all insurance documents and ensure that you are aware of the cover, limits, claim procedures and other terms that apply. Particular attention must be paid to any special conditions, as failure to comply could invalidate your policy. Globelink recommend that you retain all insurance documents as they may be useful for future reference.

Payment

We provide a quotation before insurance arrangements are concluded. This tells you the total price inclusive of any fees, taxes or charges. An administrative charge may apply to changes made after commencement of cover.

Handling Money

Insurers have appointed us on a “Risk Transfer” basis to act as their agents in collecting premiums and handling refunds due to clients. In these circumstances such monies are deemed to be held by the insurer(s) with whom your insurance is arranged.

Remuneration and other Earnings

We receive remuneration for our services usually by receiving a percentage of the insurance premium. We may also earn interest in the processing and collection of premiums and any such interest is to the account of Globelink.

Cancellation of insurance and refunds

You have the right to cancel your policy up to 14 days from the date of purchase, provided that no person insured under the policy has travelled, (or in the case of Single Trip policies, cover has not already commenced), and no claim under this policy has been made. In these circumstances, you will be entitled to a full refund. To cancel the policy contact globelink@globelink.eu. No refunds for cancellation after this period, nor any refund given for early return.

Mid Term Adjustments

In certain circumstances we may agree to adjust the terms of your Insurance policy after the 14 day cooling off period. There will usually be a minimum administration charge of €30 for each amendment, chargeable at the time the adjustment is made.

Conflict of interests

Occasions may arise where we, one of our associated companies, clients, or insurers may have a potential conflict of interest with business being transacted for you. If this happens, and we become aware of a potential conflict, we will write to you and obtain your consent before we carry out your instructions and will detail the steps we will take to ensure fair treatment.

Confidentiality

All information provided to us is considered to be confidential and is only disclosed in the normal course of negotiation and maintenance of insurance transactions undertaken on their behalf. Globelink International will not release information to any other party without the prior consent of the client except in exceptional circumstances. For example, information requested by a court of competent jurisdiction, a regulatory body or information which is already in the public domain.

Use of Personal data

Subject to certain exceptions, you will be entitled to have access to your personal and sensitive personal data for which you will be charged a fee of €11.50. If at any time you wish us, or any company associated with us, to cease possessing any of the personal data we hold, or to cease contacting you about products and services, please contact compliance@globelink.eu.

Claims

Whilst we are happy to provide general information, Globelink International do not administer claims. It is therefore essential that you follow the claims procedure and contact the Claims Department without delay, directly at the telephone number detailed in your policy document, or on our website globelink.eu.

Complaints

In the event that our service does not meet your expectations, please contact our Compliance Officer at globelink@globelink.eu or call +357 240 30337. You can also register a complaint by following the ‘how to make a complaint’ section of your Policy Wording. We will handle your complaint fairly and as part of our Quality Procedures and use it to maintain and improve our service. We will acknowledge your correspondence promptly; explain how we will handle it; and tell you what the next steps will be. We will keep you informed of your complaint progress.

Duty of Disclosure

The law imposes onerous duties upon anyone entering into an insurance contract. For example the proposer has a duty to disclose all facts or circumstances that may influence the underwriter in deciding whether to accept the insurance, impose special terms, or charge an increased premium. This duty arises not only at inception of the contract, but also at renewal or in the event of any significant change in the risk during the period of insurance. Similarly the duty also applies to the submission and substantiation of all claims. This information must always be disclosed to insurers. A proposal or claim form, or any other document or method of application must be answered fully and accurately. The provision and documentation of this information is the sole responsibility of the insured.

Ending your relationship with us

Subject to your immediate settlement of any outstanding premiums and fees, you may instruct us to stop acting for you and we will not impose any penalty. Your instructions must be given in writing and will take effect on the date of receipt. Similarly, in circumstances where we feel we cannot continue providing services to you, we will give you a minimum of 7 days’ notice. Unless otherwise agreed in writing, if our relationship ends, any transactions previously initiated will be completed according to these Terms of Business. You will be liable to pay for any transactions concluded prior to the end of our relationship and we will be entitled to retain commission received for conducting these transactions, together with all fees charged by us for our services.