BREXIT, our response, and how this affects you

In response to the UK's departure from the European Economic Area (EEA), we have made a number of changes to the structure of this insurance to ensure we can continue to provide residents of the EEA with our travel insurance and the protection afforded by it.

The below changes apply to residents of the European Economic Area (EEA) OnlyEuropean Economic Area (EEA) comprises the following countries: Austria, Belgium, Bulgaria, Croatia, Republic of Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Lithuania, Lichtenstein, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain and Sweden. For residents outside the EEA there have been no changes.

These changes will apply to all policies issued to EEA residents from 1st March 2019.

Summary of changes for EEA Residents:

European Economic Area (EEA) comprises the following countries: Austria, Belgium, Bulgaria, Croatia, Republic of Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Lithuania, Lichtenstein, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain and Sweden.

Change in Intermediary

All services currently provided by Columbus Insurance Services Limited (trading as Columbus Direct) will be undertaken by our sister company, Collinson Insurance Solutions Europe Ltd (CISEL), registered in Malta.

Change in Insurer

The current UK-based Lloyd’s insurer (certain underwriters at Lloyd’s), will be replaced with Lloyd’s Insurance Company S.A., a Belgian limited liability company (société anonyme / naamloze vennootschap) with its registered office at Bastion Tower, Marsveldplein 5, 1050 Brussels, Belgium and registered with Banque-Carrefour des Entreprises / Kruispuntbank van Ondernemingen under number 682.594.839 RLE (Brussels). Lloyd’s Insurance Company S.A. is an insurance company subject to the supervision of the National Bank of Belgium. Its Firm Reference Number(s) and other details can be found on www.nbb.be.

Website address: www.lloyds.com/brussels E-mail: enquiries.lloydsbrussels@lloyds.com Bank details: Citibank Europe plc Belgium Branch, Boulevard General Jacques 263G, Brussels 1050, Belgium - BE46570135225536.

Loss of Compensation Scheme & FOS rights

As a result of this transfer of responsibility, it is expected that the rights granted under the UK regulatory regime to our customers (e.g. to make a claim on the UK financial services compensation scheme in the unlikely event of insolvency of the insurer or insurance intermediary or to make a complaint to the UK financial ombudsman service) will no longer exist. However, corresponding rights may exist under laws that are applicable in your country of residence, and where these exist it is expected that policyholders will benefit from those rights instead.

Should you have any questions on the above feel free to contact us.