Find the answers to the top questions about our insurance products.
The information given to us including your email address is treated with the strictest confidence and within the rules of GDPR. We and the insurers are the only people who will see your details. Every now and then we send out newsletters on subjects we feel may be pertinent to you, and the running of your company, for example - new available insurances, but these will only ever come from us and never from an outside third party.
To ensure that the coverage given under each of the policies through TRM meets with your individual requirements, we strongly advise all clients to read the 'Policy Wording' and 'Summary of Cover' documents, which can be found in the 'Policy Information' box which is shown on each individual cover page from the 'Products' page. If our policies are acceptable, then the purchasing process - from obtaining a quotation to printing out your documentation - takes less than five (5) minutes.
What is a 'Voucher Code' for?
If you are a member of an association/affinity group/or partnered group of Trafalgar, then you may have received a 'Voucher Code'. You would need to enter in this code to the website (above the 'Get a Quote' button), and you would automatically receive the preferential rate or deal attached to the voucher.
If you have completed an online application and been accepted, your 'My Trafalgar Portal' login details will be sent to the email address included within the application. Therefore, please ensure the email address you use is one that can be accessed easily and one that you regularly check. Occasionally our confirmation and invoice email may be sent to the spam section of your emails. In these instances, it is advisable to 'safelist' the firstname.lastname@example.org emails to ensure this doesn't happen again. You can also click the link 'Forgot my Password' and receive a password reset to access your account.
TRM offers a 14-day money back guarantee from each of the insurers. If you purchase cover, and change your mind within the 14 day period and notify us/the insurers within this time - then you will receive a full refund of the premium paid.
Can I cancel policy mid-way through?
Mid-term cancellation policies vary depending on the specific insurer that is providing the cover on your policy. To find out further information on the cancellation terms for your policy, please refer to the 'Policy Wording' for your policy. The 'Policy Wording' can be found in your My Trafalgar Portal in the 'Policy Wording' tab in the navigation bar, as well as on the 'Products' page, in the 'Policy Information' box.
Our website uses high grade encryption (RC4 128bit). Encryption makes it very difficult for unauthorised people to view information travelling between computers. It is therefore very unlikely that anyone could read information as it travelled across the network.
Insurance policies do not attract VAT (apart from one or two exceptions). In its place is Insurance Premium Tax, which is calculated as a percentage (12%) of gross premium applicable to each policy. This IPT is taken by us and paid over to insurers, who then pass it on the Inland Revenue.
As our premiums are highly competitive, the commission earned from insurers are not enough to meet the administration and marketing costs involved in running our schemes. Therefore, we charge a Policy Fee on each individual risk to offset these costs. However, we continually check our premiums to ensure the overall cost to you isn't excessive and remains market competitive. If we find this isn't the case, our premiums and fees are reviewed accordingly.
We use several insurers for our schemes, and these can be found in the 'Product Information' box for each type of cover shown on the 'Products' page, or on the Policy Wordings found in the 'Policy Information' box, as well as shown on your Schedule of Insurance document after purchase.
Our philosophy is to make the purchase and renewal of your insurance as quick and easy as possible. Therefore, streamlining the process to a complete on-line facility is optimum. For this to work we need to know your email address most used, as this is how we will contact you during the policy period and to advise you of renewal.
We have streamlined our entire operation to ensure everything you require is available either online, or emailed to you. As we are an online company, we are therefore 'non-paper based' and all correspondence and policy documentation will be sent to you via your email address.
Our main purpose is to obtain an insurance quote, arrange an insurance policy for you and service that insurance policy as required. Some of that work may be undertaken by us as cover holder of the insurer (where we would still act as a Data controller). Our main legal reason will be one of the following: We are arranging a contract to which you (or the legal entity you work for) will be a party. We are providing you (or the legal entity you work for) a service as an insurance broker or at some point in the future a credit broker and that may be under a contract (written or otherwise) we have with you (or the legal entity you work for). We may be following our legitimate business interests of acting as an insurance broker or at some point in the future a credit broker.
Our website includes a 'Summary of Cover' for each product we sell, along with the corresponding 'Policy Wording'. This provides you with all the terms and conditions applicable.
The 'Summary of Cover' and 'Policy Wording' are available on our website at any time to view and print out. Your schedule of insurance is ready immediately once cover has been confirmed online, and can be retrieved once payment has been made. If you pay by credit card, we email your login details to you straight away and the schedules can be viewed and printed. If you choose to pay by BACS, then we will send you the relevant login details once the funds have been received by us.
Under UK Law we are required to show the premium & insurance premium tax charged by the Insurer for that specific policy on the schedule of insurance. The overall amount we quote and that you pay includes our Policy Fee, which is initially shown on the quotation page and then also within the invoice we email to you. This is the difference in the amounts. You can also view your 'Policy Invoice' which will show you the full breakdown of your premium on one page.
When completing your application, you will be asked some questions set out by the insurers. If you need to give some further information within one of these questions, this will trigger a 'queried application' which is forwarded to the underwriter at the relevant insurance company to review and respond to. The process is generally quick, with a response give within 24-48 hours, however this is dependent on the underwriter.
We are unable to provide clients with quotations over the telephone. To obtain a quote, you will need to use our websites quotation engine.
Obtaining a quotation takes less than 30 seconds! Simply input the basic details requested, and you should be able to get a quote straight away!
Our quotations are made up of the gross premium required by Insurers, along with the IPT payable and our Policy Fee. The IPT & Policy Fee are specified at the bottom of each quotation.
For us to successfully operate a streamlined online system as we do, our premiums need to be highly competitive. Unfortunately, this means we must add a Policy Fee to the commission paid to us by Insurers on each case to meet administration and marketing costs. However, we continually check our premiums against market competitors to ensure the overall cost to you, including our Policy Fee, isn't excessive and remains competitive. If we find this isn't the case, our premiums and fees are reviewed accordingly.
Payment for your insurances can be made by credit card or BACS (bank) transfer If you choose to pay by credit card your documents will be available immediately for printing. If you choose to pay by BACS, your documents will be released on receipt of cleared funds.
Yes. We accept payment by BACS if you are uneasy providing your credit card details over the Internet. The drawback to using these methods is that you will not be able to print your certificates immediately. We will release your documents once your money has been received into our bank account (BACs).
Premiums are set out by insurers directly after reviewing the risk, and the current market. Insurers work to make premiums as competitive as possible, but we are unable to offer price-matches.
Gadget Cover - Why do I need to upload photos of my gadget?
When purchasing a gadget policy, the insurer needs to ensure that the gadget is not broken and in an operational sate. Therefore, you are asked to upload an image of your gadget, to be reviewed and approved before being able to purchase the policy. This generally can take up to 48 hours to be checked and confirmed. You will receive a confirmation email when the images have been approved, with details on how to complete and pay for your policy.
Gadget Cover - How do I find my IMEI?
You will be asked to enter your mobile phones IMEI number when applying for a policy. If you do not know your IBAN number, you can easily get a copy of this by following these steps: by typing *#06# in your keypad Or view this link: https://support.apple.com/en-us/HT204073)
We will send out your initial renewal reminder 30 days prior to expiry of your existing policy(s). If we don't hear back from you we send out another reminder 14 days and 7 days prior to expiry.
Renewing your policy is easy. We will send you an email 30 days prior to the expiry of your existing policy, asking if cover is to be renewed and providing you with a renewal link that will take you into your account. Simply check the details are correct, or make any necessary changes and hit the quote button. This will give you your renewal premium and if all is okay, proceed as normal in completing and paying for the cover.
Our renewal system works from the link included within the renewal email or your My Trafalgar Portal. Therefore, if you don't use that link to renew your policy, but simply visit our website and 'buy' cover again, our system won't recognise that you are a current customer and continue to send the renewal email to ensure cover is maintained.
We are an online insurance provider and thus we would ask you to make any changes or updates to your cover through your personal account in My Trafalgar. For questions about us, our products or your policy you can normally find the answer on this page or contact us in a range of convenient ways.
How do I make a claim?
Claim notifications will need to be made to the insurer of your specific policy. This will be shown in the 'Claim Notification' section of your Schedule of Insurance document. To retrieve a copy of your Schedule of Insurance, please login to your My Trafalgar Portal, and visit the 'Print Certificates' tab in the navigation bar.
Why can't TRM advise me on my policy?
As a broker, TRM is unable to offer 'insurance advice' on what policies you should/should not be taking out, or about the policies specifically - as these queries can only be answered by the insurer offering the policy. We ask all clients to send their specific cover related queries to ourselves by either open a 'Support Ticket' from their My Trafalgar Portal or by email. Any administration related queries can be answered by TRM.