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Terms of Business

The Financial Services Authority

Travelbility is a trading name of J&M Insurance Services (UK) Ltd who are authorised and regulated by the Financial Services Authority (FSA) with reference number 307580. Our permitted business is advising, arranging, dealing as agent and assisting in the administration and performance of general insurance contracts. You may check this on the FSA's register by visiting the FSA website, or by contacting the FSA on 0845 606 1234.

Our service

We are an independent insurance intermediary.
Where possible, we will advise you and make a suitable recommendation after we have assessed your needs.
We will select Motor Insurance products from a range of insurers.
We will select Household products from a range of insurers.
We will select Travel Insurance from a single insurer.
You may ask us for a list of the insurers we deal with.

How we handle your money

We are the agent of insurers for the purpose of collection of premiums and all money is held in a non statutory trust account or client money account. In arranging your insurance we may pass your premium on to other insurance intermediaries who are regulated by the FSA and your premium may be passed on to these intermediaries for payment to insurers.

Information on costs

In addition to the premiums charged by insurers, we may charge a professional fee to cover the placing and ongoing handling of your insurance.
If you request a replacement certificate there may be an administration charge.
You will receive a quotation which will tell you the total price to be paid, showing any fees, taxes and charges separately from the premium.
Full payment of premium and fees is due before cover commences, or as otherwise stated under terms of credit, invoice or statement issued to you.

Cancellation of insurances

If you decide the insurance product you have purchased is not suitable, if it is a policy of more than one months duration, you are entitled to cancel your insurance policy within the first 14 days after either:
You have received your insurance documents
Conclusion of the contract.
This is subject to all insurance certificates being returned to our head office, at the address below, by recorded delivery.

Peregrine House
Falconry Court
Bakers Lane
CM16 5DQ

There will be an administration charge of 20. You will also be charged for the period of time on cover as determined by the Insurer who has provided your insurance policy, plus any policy charges if applicable.
After the first 14 days, you may cancel your policy at any time. Any request should be in writing and subject to any relevant certificate(s) of insurance being returned. The terms of your policy may allow insurers to retain the premium in full or to charge short-period premiums in the event of a cancellation. There will also be a policy charge and administration charge.


When you first become a client of J&M Insurance Services (UK) Ltd we will give you details of how you can make a claim. If you are in any doubt as to what action to take in the event of a claim please contact us at the head office address or telephone us on 01992 566 900.


If you wish to make a complaint about our services please contact:

The Complaints Officer
J & M Insurance Services (UK) Ltd
Peregrine House
Falconry Court
Bakers Lane
Epping, Essex
CM16 5DQ
Tel: 01992 566 946
Fax: 01992 566 991

If we cannot settle your complaint within 8 weeks, you may refer your complaint to the Financial Services Ombudsman Scheme. A copy of our complaints procedure is available on request.

Your duty to disclose information

It is your responsibility to provide complete, up to date and accurate information when you take out your insurance policy, throughout the life of your insurance policy and when you renew your insurance. If you fail to disclose any facts which may be material to the insurance policy or any other information material to the policy this could invalidate the policy and may mean that any claims made under the terms of the policy may not be paid. You should check all details on any proposal form or Statement of Facts and any declaration you may be asked to sign.
You should read all policy documents, key facts documents issued to you and ensure you are aware of the cover, limits and other terms that may apply.
You should inform us immediately of changes in circumstances that may affect the services that we provide to you or the cover under the terms of your policy.
You should notify your insurer immediately regarding the circumstance of an event that may give rise to a claim under the terms of your policy. If you are in any doubt as to if information is material you should disclose it.


All personal information is treated by us as confidential and is processed in accordance with the Data Protection Act 1998. We may use and disclose information to third parties in the course of arranging and administration of your insurance policy. We will not disclose information to any other parties without your consent unless required to do so by law. We may use information we hold about you to provide you with information about other products and services we feel may be of interest to you. If you do not wish to receive this information please write to our head office address. Under the Data Protection Act 1998 you have the right to see the personal information we hold about yourself. If you have any queries in this regard you should write to the Compliance Officer at the head office address.

Financial Services Compensation Scheme (FSCS)

We are covered by the FSCS. You may be entitled to compensation from the scheme if we cannot meet our obligations. Non Compulsory Insurance is covered for 100% of the first 2,000 and 90% of the reminder of the claim without any upper limit.
For Compulsory classes of insurance advising and arranging is covered for 100% of the claim without any upper limit. Further information on the scheme is available from the FSCS.

Applicable law

This Terms of Business Document is subject to English Law.

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who are authorised and regulated by the Financial Services Authority
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