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updated: November 2013

Who We Are

OUL Direct is a trading name of Ancile Insurance Group Ltd. If you would like to find out more about the group, please visit our website at www.ancileinsurance.com

Ancile Insurance Group Ltd is authorised and regulated by the Financial Conduct Authority - no. 471641

Disclaimer

Ancile Insurance Group Ltd will not be liable for any loss or damage arising from your use of this website.

Insurer

Our travel insurance policies are underwritten by Astrenska as Underwriting Agents for Ageas Insurance Limited.

Ageas Insurance Limited Registered in England: No. 354568, are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority (FCA Register number is 202039) and the Prudential Regulation Authority.

Astrenska is a trading name of Collinson Insurance Services Limited, Registered in England and Wales number: 758979. Collinson Insurance Services Limited is authorised and regulated by the Financial Conduct Authority (FCA Register number is 311883).

Trade Marks, Copyright and other Intellectual Property rights

Ancile Insurance Group Ltd or its Group Companies claim rights to all trademarks, service marks and logos contained on this site. All rights are expressly reserved.

Copyright and all other intellectual property rights existing within this website belong to Ancile Insurance Group Ltd or its Group Companies, unless otherwise indicated, and may not be used, sold, licensed, copied or reproduced in whole or in part without the prior written consent of Ancile Insurance Group Ltd.

These intellectual property rights including, without limitation, all database rights and rights in designs in all cases whether registered or unregistered - are hereby reserved.

You are not permitted to download, print, redistribute or extract any information from this website other than for your personal, non-commercial use. You are not permitted to reproduce, modify or in any way change any of the information available on this website.


United Kingdom Only

Our insurance is available to residents of the UK only and is governed by the law applicable to where you reside within the UK. The use of this website is governed by and in the event of a dispute you irrevocably submit to the exclusive jurisdiction of the English Courts.

Our Website Availability, Accuracy and Validity of Information

Ancile Insurance Group Ltd take all reasonable steps to ensure that the information contained within these pages is at all times accurate at the date of publication, we do not accept any liability for any errors or omissions within it.

If you are in any doubt as to the validity or accuracy of any information on this website then please contact us immediately.
Ancile Insurance Group Ltd endeavour to ensure our website is accessible at all time, however we will not be held liable if, for any reason, the website is unavailable for any period of time. We have the right to suspend access to the website for updates and maintenance without notice but we will of course always try to keep any disruption to a minimum.

In addition we cannot warrant that this website will be free of viruses or defects of any description and we will not be held responsible for any technical problems you may suffer as a result of your use of this website.

Acceptance

By purchasing insurance through our website you are deemed to have accepted our terms so please read the policy wording carefully.

Block Transfers

In respect of some classes of insurance we may operate block insurance arrangements in order to provide competitive terms. On occasions it will be necessary for us to transfer such blocks from one insurer to another where this is beneficial to our clients.

This document constitutes both your acceptance that we do this and your prior request for us so to do.

Third Party Websites & Hyperlinks

This website also contains hypertext links to websites operated by third parties. The responsibility for the operation and content of those websites rests solely with the company controlling the third party website and will be governed by separate terms and conditions. We do not accept any responsibility or liability for the contents of any linked website.

Variations

We reserve the right to amend these terms from time to time without notice to you.

Terms Of Business (TOBA)

Please also see our Terms Of Business for further information regarding Ancile Insurance Group Ltd and how we conduct our business.

Security

Ancile Insurance Group Ltd takes every reasonable step to ensure that any information you provide via the forms on this website is kept secure, however due to the nature of the internet, we cannot guarantee the security or privacy of emails or that any emails sent will be received by us.

Renewal of annual travel insurance policies

All renewals are at our discretion.

We will notify you that your policy is due for renewal 28 days before it expires and include a quotation based closely on your current cover type.

Where possible we will automatically renew your policy for a further 12 months.

Automatic credit card renewal ensures that you never have to worry about travelling uninsured. We will debit your payment card annually.

Contact details will be provided along with your renewal quotation so that you can get in touch if you need to make any changes to your cover, for instance; declare a medical condition, add extra cover for sports or activities, change the geographic area or the level of cover required.

Payment will be taken from your card on the renewal date. If we are unable to renew your policy for any reason, we will contact you by email, letter or telephone.

If you would prefer not to automatically renew your annual travel insurance you can let us know by email, telephone or letter at any time. In this instance we will contact you to let you know when your policy is due to expire but will not issue a new policy or charge your card unless you instruct us to do so.

Once your policy has been renewed, whether automatically or after your instruction, you have a 14 day cooling off period, when you can cancel the cover and receive a full refund, provided no claim has been made.

We are unable to automatically renew your policy if you have any pre-existing medical conditions.

PRIVACY POLICY

Ancile Insurance Group Ltd. (We) are committed to protecting your privacy. We comply with the principles of the Data Protection Act 1998 and aim to maintain consistently high levels of best practice in our processing of personal and/or sensitive personal data.

How we use information you provide us

Any personal information you supply to Ancile Insurance Group Ltd. via this website will be treated in accordance with the Data Protection Act 1998.

We use the information that you provide to us for the following purposes:
1.For the purposes of insurance administration by the Ancile Insurance Group of companies or our agents;
2.To offer renewal of cover (if you have taken out an annual multi trip policy that can be renewed);
3.For the investigation of or prevention of crime;
4.For research and statistical purposes;
5.To disclose to regulatory bodies for the purposes of monitoring and/or enforcing our compliance with their requirements;
6.For marketing purposes:
We do not sell, trade, or rent your personal information to others.

We store all the information you provide us, including information provided via forms you complete on our website, and information which we may collect from your browsing. Our server, in common with nearly all web servers, logs each page that is downloaded from the site.

In the event that a third party may deliver all or part of the service requested by you, whilst the information you provide will be disclosed to them, it will only be used for the administration of the service provided and to maintain management information for business analysis.

We ask for your home, mobile telephone number, and email address to enable us to contact you in relation to an enquiry you have made, to contact you about relevant products or services, to contact you if there is a problem with your order, or there is another genuine reason for doing so.

Generally by providing the requested data you consent to Ancile Insurance Group Ltd. using that data for administrative purposes and for informing you of other products and services by letter, SMS, telephone and/or email.

Each time you receive marketing information you have the option to opt out of receiving further marketing information from us. If you wish to exercise this opt-out, please write to Ancile Insurance Group Ltd. Kao Hockham Building, Edinburgh Way, Harlow, Essex. CM20 2NQ.

Your consent

Before you provide any data to us, we will endeavour to make it clear why we need it. Sometimes we may need sensitive personal data (examples might be past medical history). When this is required we will obtain your consent first. Otherwise, by providing us with information, either orally or written, or by using our website, you consent to the collection, use and processing of this information by Ancile Insurance Group Ltd to provide and send you information about their services. At times the personal information that you have provided may be sent to you via email to verify quotations or confirm cover.

Please note that we provide products and services outside the European Economic Area (EAA). Therefore if you travel on such holidays, and it is deemed necessary to provide the cover you have purchased, the information you provide may occasionally be transferred outside the European Economic Area. It is worth noting however that some non-EEA countries do not afford the same level of data security as the UK. By submitting your details, you consent to this transfer. We will always use every reasonable effort to ensure sufficient protections are in place to safeguard your personal information.


Marketing consent

Ancile Insurance Group Ltd. has adopted the following procedure in gaining your consent to be placed on its marketing lists.

When you first make an enquiry or buy a product from an Ancile Insurance Group company, you consent to receiving marketing about other products and services from us. Your details are placed on our marketing list for the group.

You can opt-out of marketing by emailing optout@OULdirect.com.

If, at any time, you would prefer not to receive any further email marketing from us please follow the unsubscribe instructions which are included at the bottom of every email.

In addition to this you can call us on 0844334 0150, we are available Monday to Friday between 9am and 5pm, or write to us at OULdirect.com, Kao Hockham Building, Edinburgh Way, Harlow, Essex UK CM20 2NQ.

When you receive a marketing email we may track which links you click on and the areas of our website that you visit. This will enable us to better understand your needs and ensure any other information we send is better suited to your requirements.

How we use cookies

cookiesA cookie is a small file of letters and numbers that is stored on your computer to help us provide you with a better experience.

Enable our website to function correctly

We put a session cookie on your computer for the duration of your visit to our site. It stores data about the browser you are using and information you have entered in order for our website to function correctly and for us to provide you with a quotation or policy. This cookie is deleted when you leave our website.

Help us improve the customer experience on our website

We use cookies to collect trend data which we analyse to help us improve how our site works. This trend data includes how visitors find our site and how they move around our site. They do not collect or store any personal data.

Improve the quality of our email messages

We use cookies to identify whether you have visited our site in response to one of our email newsletters. This enables us to improve our email messages and send you more relevant information. To opt out of email marketing click on the unsubscribe link which appears at the bottom of all of our emails, or email optout@OULdirect.com

How to delete cookies from your device

To remove cookies from your computer follow the steps in this section.

If you are using Netscape 6.0+:
1. Go to Edit in the menu bar
2. Click on Preferences
3. Click on Advanced
4. Select the Cookies field
5. Tick either Warn Me Before Accepting a Cookie or Disable Cookies
6. Click on OK
7. Go to your Start button
8. Click on Find
9. Click on Files and Folders
10. Type "cookies.txt" into the search box that appears
11. Click Find Now
12. When the search results appear drag all files listed into the Recycle Bin
13. Now shut down and restart Netscape.

Depending on your earlier choice you will either be prompted by new cookies or no cookies will be set or received.

If you are using Firefox 2.0+ / 3.0+ / 4.0+/ to disable cookies:
1. Go to Tools in the menu bar
2. Click on 'Options'
3. Click on Privacy Tab
4. Disable the box that says Accept Cookies From sites

To clear existing cookies:
1. Go to Tools in the menu bar
2. Click on Options
3. Click on Privacy Tab
4. Click on "Clear Now"
5. Select "Cookies"
6. Click on "Clear Private Data Now"
This procedure will stop sites from installing cookies on your firefox browser.

Managing Cookies from the Latest Firefox 8.0 Browser

You can specify your cookie options under Firefox 8.0 by selecting Tools -> Options -> Privacy. On the Privacy box, you can disallows websites from tracking you by checking on the "Tell web site I do not want to be tracked" under Tracking. But even if you are tracked, you can go to the linked "remove individual cooker" which opens up a new dialog box containing the websites and their respective cookie files saved by the browser. You can individually delete the cookies, search for specific cookie or just delete all of the with one click.

If you are using Internet Explorer (IE) 7.0+:
1. Go to Tools in the menu bar
2. Click on Options
3. Click on Privacy Tab on top
4. Click on Advanced" button
5. Select "Prompt" for both "First party cookies" and "Third Party Cookies"

To delete existing cookies:
1. Go to Tools in the menu bar
2. Click on Options
3. Click on General Tab on top
4. In "Browsing History" section, click on "Delete"
5. Click on "Delete Cookies"

Your Internet Explorer 7.0 should now be cookie free!

If you are using Internet Explorer (IE) 8.0+:
1. Go to Tools in the menu bar which should drop down then click on Internet Options
2. Click on Privacy Tab on top
3. Click on Sites a new window should open called Per Site Privacy Actions
4. Type in the URL of the site you wish to allow or block cookie in th Address of website box

To delete existing cookies:
1. Go to Tools in the menu bar which should drop down then click on Internet Options
2. Click on Privacy Tab on top
3. Click on Sites a new window should open called Per Site Privacy Actions
4. Under the "Managed websites box should be a list of all the webistes you have visited.
5. To remove all cookies simply click on the "Remove all" button.
Your Internet Explorer 8.0 should now be cookie free!

If you are using Internet Explorer (IE) 9.0+:
1. Go to Tools in the menu bar which should drop down then click on Internet Options
2. Click on Privacy Tab on top
3. Move the slider up to the Block all Cookies button

Important Notice: Blocking all cookies may prevent you from entering a lot of sites.
The next two Internet Explorer privacy levels, High and Medium High, may be more suitable.

To delete existing cookies:

1. Go to Tools in the menu bar which should drop down then click on Internet Options
2. Click on General tab which should be under Browsing History and click Delete

Your Internet Explorer 9.0 should now be cookie free!

If you are using Google Chrome to disable cookies:
1. Go to Tools Menu
2. Click on Options
3. Click on Under the Hood
4. Cookie Setting should be selected. Once done select Block all Cookies
5. Now all cookies should be blocked on your Google Chrome

To clear existing cookies:
1. Go to Tools Menu
2. Click on Options
3. Click on Under the Hood
4. Under Privacy section select "Show Cookies
5. A new window should open called Cookies In here you can see all the cookies within your Google Chrome Browser.
6. Click on "Remove All" to remove all traces of cookies
7. If you wish to only remove a certain cookie, simply highlight and click "Remove"

Safari 5.0 (Apple Macintosh)
1. From the menu choose Safari
2. Then Preferences
3. Click the Security icon and then Show Cookies
4. Select a cookie from the list and click Remove
5. To delete all cookies click Remove All

Safari 5.0 (PC Windows)
1. From the menu choose Edit
2. Then Preferences
3. Click the Security icon and then Show Cookies
4. Select a cookie from the list and click the Remove button
5. To delete all cookies click Remove All

If you are not using any of the above browsers, then you should select cookies in the Help function for information on where to find your cookie folder.

If you are not using any of the above browsers, then select cookies in the Help function for information on where to find your cookie folder.
If you have any doubts or do not use any of the above systems please refer to www.allaboutcookies.org, which explains in detail how cookies work and how they can be managed.



Disclosure of information to third parties

Ancile Insurance Group Ltd do not sell, trade or rent your information and will never disclose information about you to third parties, except to fulfil your specific orders for a product or information in the event that third parties deliver the relevant service. For example, if you take out an insurance policy underwritten by a third party, they will need your details in order to administer the policy and process any claims.

We may also be obliged by law to pass on your information to the Police or any other statutory authority.

Amendment and rectification of information

Please advise us in writing as to any changes in your circumstances or of any instances where you feel the data we hold may be incorrect. We will amend details as required.

Subject access requests

You have a statutory right of access to accessible personal and/or sensitive personal data that we hold about you. In order to exercise this right, your application must be in writing for security reasons. Please write to, Ancile Insurance Group. Kao Hockham Building, Edinburgh Way, Harlow, Essex. CM20 2NQ.

Changes to our Privacy Policy
If we decide to change our Privacy Policy, we will update all relevant documentation and post any changes onto our websites so that you are always aware of what information we collect, how we use it and under what circumstances we disclose it.
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Important Information & Privacy Policy
OULdirect.com is a trading name of Ancile Insurance Group Ltd. Ancile Insurance Group Ltd, Registered Office: East Wing, Goffs Oak House, Goffs Lane, Goffs Oak, Herts, EN7 5BW, Company No 05429313, is authorised and regulated by the Financial Conduct Authority. Our Financial Services Register number is 471641.