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Terms & Conditions

14 day Money Back Guarantee
Your insurance has a 14 day cooling off period from the date of purchase. During this time you can cancel the insurance and receive a full refund by simply returning your insurance certificate. You may take advantage of this guarantee if no claim is being made or is pending and as long as travel has not been started. Refunds will be returned within 7 working days of the cancellation. Within your cooling off period you can also amend your insurance by contacting us directly.

How we handle your Payment
In selling this web-based European breakdown insurance, Philosophia Limited will take your payment via Paypal, a secure payment provider. We will hold your insurance premium on behalf of insurers. Once we have received your premium you are eligible for cover.

How to claim
Please refer to your policy summary or your insurance document if you need to make a claim. You should contact the specified claims handlers as soon as possible.

Demands and Needs Statement
This insurance will suit the Demands and Needs of an individual wishing to insure themselves against unforeseen costs following a breakdown of a vehicle. Subject to terms, conditions and maximum specified claim limit. Please ensure that you read the insurance wording to ensure that the insurance will supply you with a sufficient level of cover.

Documentation you will receive from us
Once you have successfully completed your purchase you will be sent an email confirming the details of your purchase together with your insurance certificate. If you selected to receive your documentation by post, this will be sent to you within 2-3 working days.

Your Right To Cancel
We hope you are happy with the cover this insurance provides. However, if upon reflection this, insurance does not meet your requirements, please return it to us within fourteen days of issue and we will refund your insurance premium. You are not eligible for a refund if your insurance has already begun or if you intend to make a claim under the policy.

Confidentiality
All personal information about you will be treated as private and confidential (even when you are no longer a customer), except where the disclosure is made at your request, with your consent, in relation to arranging your insurance or where we are required to by law.

Some or all of the information you supply to us in connection with your insurance proposal will be held on computer and may be passed to insurance and/or other companies for underwriting and claims purposes. From time to time we may contact you directly or via one of our partners at the address you have supplied at the time of booking, or via the email address supplied for the purpose of notifying you that a policy is due to expire and to advise you of other similar products and services.

Under the Data Protection Act 1998 you have a right of access to see personal information about you that is held in our records, whether electronically or manually. If you have any queries, please write to the Managing Director at Philosophia LTD, Unit 70, Baildon Mills, Northgate, Baildon, Shipley, West Yorkshire, BD17 6JY

Your Duty to Give Information to Insurers
Your insurance is based upon the information provided to the insurance company and you must ensure that all such information is complete and accurate, and that any facts that may influence the insurer’s decision to accept the risk or the terms offered have been disclosed. The duty to disclose information continues during the life of the insurance, and at renewal you must make sure you inform your insurer of any changes affecting your insurance. Your insurance must be purchased prior to your trip commencing, and must originate from within the United Kingdom.
You are responsible for all answers or statements on proposal forms, claim forms or other material documents and you should ensure these are full and accurate. Failure to disclose material information at the start of the policy or advise the insurer of changes to the risk during the period of insurance may invalidate your insurance cover and could mean that part, or all, of a claim may not be paid.

IMPORTANT - This insurance will have been sold to you on a non-advised basis and it is therefore for you to read this information (paying particular attention to the terms and conditions and exclusions) 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 this product; it is your responsibility to investigate this. If upon reading this insurance you find it does not meet all of your requirements, please refer to the relevant cooling off/insurance cancellation section.
Philosophia Limited are (is) an Appointed Representative of ITC Compliance Limited which is Authorised and Regulated by the Financial Conduct Authority.

Status Disclosure
You will be sent a link to the Philosophia Limited's status disclosure once you have purchased a policy. If you wish to view this document now, please click here.

PLEASE ENSURE THAT YOU HAVE READ YOUR INSURANCE WORDINGS CAREFULLY. FAILURE TO COMPLY WITH THE TERMS AND CONDITIONS OF THE INSURANCE MAY RESULT IN COVER BEING RESTRICTED.