UK Terms and Policies

EFFECTIVE 13 JULY 2026

Thank you for choosing Open

In these Terms, ‘we’, ‘us’ or ‘our’ means Open Insurance Services UK Limited.

These terms and conditions ("Terms") are the agreement between you and Open. These Terms are separate to the contract that you may have with an insurer who underwrites a policy you buy through us.

These Terms apply to our travel, mobile phone and gadget insurance products only. If you have bought motor insurance through us, separate terms and conditions apply, which you can read here.

These Terms cover the services we provide, including the arrangement and administration of insurance products as set out in ‘Our Services’ below ("Services"). They also cover your use of the website ("Website"), including our Support Centre ("Support Centre").

By using the Website or our Support Centre, or by purchasing a policy through us, you agree to these Terms. Please read them carefully.

This document sets out:

1. Fees that we charge for arranging and administering your insurance
2. Information about Open, our business and trading names
3. Our Services and who provides your insurance
4. Commission that we receive
5. Financial Services Compensation Scheme
6. Customer complaints and how you can make a complaint to Open or the Financial Ombudsman Service
7. Use of our Website and our Services
8. Other legal information

Section 1: Fees we charge

Fees are inclusive of any applicable taxes. Fees are non-refundable, except in the case of the fee for ‘Arranging a new or renewing cover’, in which case fees are refundable in line with the cooling-off period of the relevant product.

Section 2: Who we are

Open Insurance Services UK Limited (Company number 9365669). We are an insurance intermediary, authorised and regulated by the Financial Conduct Authority (FCA). Our registration number is 988625 and this can be confirmed at fca.org.uk/register or by calling 0800 111 6768. Our registered address is 91 Wimpole Street, London W1G 0EF.

Open provides services under trading names in the UK including:

• Huddle
• Wanda by Avios
• So-Sure
• Avios Insurance
• SuperSaveClub Insurance

Section 3: Our products and services

We arrange and administer insurance policies on behalf of the authorised insurer. Details about the authorised insurers and your insurance contract are in your policy document or policy schedule.

Arranging your insurance policy means we set up your insurance contract with the authorised insurers. Administration of your insurance policy means we’ll look after any changes you need to make and deal with your payments, claims, questions or complaints.

When you pay for your insurance policy, we also collect your insurance premium on behalf of the authorised insurer. All premium we collect is held on behalf of the authorised insurer, which means that premiums are treated as being received by the insurer when they are received by us. This also means that there is no risk to you in the event of our insolvency.

If a payment is initially made to us by debit or credit card, any refund payable will be made on to the same card. If we are unable to refund to the same card for any reason, an alternative method will be agreed with you in line with our fraud prevention policy.

We're an intermediary, acting on behalf of several insurers. We don't make recommendations or give advice, so please consider all information carefully when you buy to make sure the product(s) offered meet your requirements. This means that it’s up to you to decide if any of the product(s) meet your needs.

We and the insurer(s) named on your policy and certificate of insurance are the data controllers. This means we and the insurers are in charge of, and responsible for, handling your personal data. You can find more information about this, including about how the insurers will use your personal data, in our privacy policy.

If you purchase a policy that can be renewed, you give us consent to re-broke your policy at renewal time. This means that the insurer of your policy may change on your renewal. Any changes would be notified to you in your renewal documentation.

Section 4: Commission that we receive

We receive a percentage commission paid by the insurer and a fee paid by you. The total price you'll pay is made up of the insurer's premium plus our fee, together with Insurance Premium Tax (IPT) at the current rate.

We also may receive a bonus from the authorised insurers, which depends on the profits from the policies we arrange and administer.

Where we are responsible for administering claims, we also receive a fee from the insurer to cover the costs of dealing with claims. This fee may be passed in whole or in part to our claims partners.

We also receive a commission from the supplier of the add-on products you purchase alongside your insurance.

Our staff get a fixed salary and participate in share schemes linked to our performance. Some of our staff may also get incentive payments for their work. We design our incentives and share schemes to make sure we reward our staff for acting in our customers’ best interests.

Section 5: Financial Services Compensation Scheme (FSCS)

The FSCS protects you if the insurer goes out of business and can’t pay your claim. FSCS will step in and pay compensation of 90% or 100% of your valid claim, depending on the type of insurance policy that you have. You can find out more about the FSCS online at www.fscs.org.uk.

Section 6: Customer complaints

We understand that sometimes things do not go to plan, and you may wish to raise a complaint or an issue. It is important that you get in touch with us, so that we can address your concerns.

How to raise an issue or complaint

We always strive to provide excellent service. However, if you have a complaint about the service we provide, please follow these steps.

If your complaint is about the sale of your policy, the service you receive or a claim, contact us at support@uk.beopen.com.

We will respond to your complaint within four weeks of receiving it. Our response will be our final decision based on the information provided. If there's a delay in our investigations, we'll explain the reason and give you an estimated timeframe for reaching a decision.

If, for any reason, you're still dissatisfied or haven't received a final answer within eight weeks, you have the right to escalate your complaint to an independent authority called the Financial Ombudsman Service (FOS). You can contact them using the details below:

The Financial Ombudsman Service
Exchange Tower
1 Harbour Exchange Square, London
E14 9SR

Telephone: 08000 234 567 (free for people calling from a landline) or 0300 123 9 123
Email: complaint.info@financial-ombudsman.org.uk
Online: www.financial-ombudsman.org.uk

Following this complaint procedure does not stop you from taking legal action.

Section 7: Use of our website and services

Using our Website and Support Centre

Use of our Website and Support Centre is for non-commercial, personal purposes only unless contractually agreed by us. You warrant that any quote made using this Website is made only for your own personal purposes of seeking to purchase the relevant insurance product, and not for any commercial purposes.

If we consider that you are using this website for commercial purposes, we may suspend or withdraw your access immediately and, if appropriate, pursue legal action against you.

We take all reasonable steps to ensure this Website and the App are available at all times we shall not accept any liability for any losses incurred as a result of this Website and / or the App being unavailable for any reason, at any time or for any period. We have the right to suspend access to the Website and / or the App and any services provided by us at any time and for any period. It may be necessary from time to time for us to suspend access to the Website and / or the App for routine maintenance or updates.

This website may contain links to third party websites. We do not make any representations as to the content of any third party websites.

Your account and password

If you are provided with a user identification code, password or any other piece of information as part of our security procedures, you must treat such information as confidential. You must not disclose it to any third party.

If you know or suspect that anyone other than you knows your user identification code or password, you must promptly notify us by emailing support@uk.beopen.com.

You will be responsible for any losses you incur as a result of your failure to keep your username and password secure.

Intellectual property

All intellectual property on our website, including brand trademarks and copyright in the information, text, graphics, services and other data, is owned by us or licensed by us and no part of this website may be reproduced, stored, modified, adapted, uploaded to another location or produced for display in any form without our prior written approval.

Section 8: Other legal information

Governing law

Unless we have agreed otherwise with you, any agreement with us or insurance contract written through us is subject to the laws of England and Wales and the courts of England and Wales have the exclusive jurisdiction.

Making changes

We reserve the right, at any time and without notice, to revise the contents of our website or Support Centre, including these Terms & Conditions.

Any changes to these Terms & Conditions will be posted on our website and by continuing to use the website, Support Centre or our other Services, and / or the App you are agreeing to be bound by the revised Terms & Conditions.