Single trip Travel Insurance Important Notes

first direct single trip insurance protects you for a holiday or trip for leisure purposes to your chosen destination and for the duration stated on the policy schedule (up to 120 days). A UK holiday is covered if your accommodation has been pre-booked. Please note that we provide information and not advice in relation to our Travel Insurance product.

Explaining our service
first direct is an insurance intermediary and for Single Trip Travel Insurance, deals exclusively with the insurer. Once the policy has commenced, you will deal directly with the insurer for ongoing policy administration. Details of the insurer are provided in the Policy Summary and we only offer Travel Insurance from this insurer. You will not incur a fee for this service.

first direct is a division of HSBC Bank plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority, reference number 114216. You can check our name, address and statutory status by calling 0800 111 6768 or by visiting the Financial Conduct Authority website

Keeping us up-to-date
The information on this application form will be disclosed to the insurer and you are providing your agreement for this to happen. Once the policy has commenced, you will deal directly with the insurer for ongoing policy administration.

You must take reasonable care to provide complete and accurate answers to the questions we ask when you take out, make changes to, and renew your policy

If the information provided by you is not complete and accurate, the insurer may:

  • amend the medical underwriting decision(s) for any Pre Existing Condition(s) which may result in an accepted condition being excluded, or
  • cancel your policy and refuse to pay any claim, or
  • not pay any claim in full.

Governing law
The law of England and Wales applies to the contract, unless you normally live in Scotland (in which case Scottish law will apply) or you and the insurer agree otherwise. We are required by law to tell you that the Terms and Conditions are in English, which is the language we will use in our communications with you.

Financial Services Compensation Scheme
HSBC is a member of the Financial Services Compensation Scheme. You may be entitled to compensation if we are unable to meet our liabilities. Further details of the Financial Services Compensation Scheme are provided within the Policy Summary.

first direct is a division of HSBC Bank plc. HSBC Bank plc is registered in England number 14259. Registered Office: 8 Canada Square, London E14 5HQ.

If you wish to contact first direct please write to first direct, 40 Wakefield Road, Leeds LS98 1FD or call first direct on 03 456 100 100.

Internet and confidentiality
If you apply for cover and provide credit/debit card payment details for verification by us, you should be aware that we have taken steps to protect your confidential payment information from disclosure to third parties. However, please note that despite our best endeavours transactions over the internet may be subject to interruption, transmission blackout, delayed transmission due to internet traffic or incorrect data transmission due to the nature of the internet and matters outside our control.

Downloading information
Any material and/or data downloaded or obtained through the use of this website or any of the websites mentioned in this website is at your own discretion and risk, and you will be solely responsible for any damage to your computer systems or loss of data that results from the downloading of such material and/or data. This insurance website contains intellectual property and other rights and must only be used in connection with obtaining insurance in accordance with the notice provisions.

Personal data statement

padlock iconYour information
When considering your application and where appropriate from time to time during your relationship with us, we and the product provider(s) will make searches about you at credit reference agencies who will supply information (which may include information from the Electoral Register) for the purpose of verifying your identity. The agencies will record details of the search type, whether or not this application proceeds. first direct and the product provider(s) may use credit-scoring methods to assess applications and to verify your identity and we may also search the Electoral Register ourselves and carry out other identity checks. Members of the HSBC Group, product provider(s) and other organisations may use the record of credit searches and any other information provided to the agencies. Any of this information may also be used for identification purposes, debt tracing and the prevention of money laundering as well as the management of your insurance account(s).

To prevent or detect fraud and to assist in verifying your identity, first direct and the product provider(s) may exchange information with other members of the HSBC Group and make searches of records held at fraud prevention agencies who will supply us with information. first direct and the product provider(s) may also pass information to financial and other organisations involved in fraud prevention to protect ourselves and our customers from theft and fraud. If you give us false or inaccurate information and we suspect fraud, we will record this. The information held by these fraud prevention agencies may be used by us, other members of the HSBC Group, the product provider(s) and other companies may use this information when making decisions about you or others at your address(es) on credit or credit-related services or motor, household, life or any other insurance facilities. It may also be used for debt tracing, claims assessment.

first direct and the product provider(s) and fraud prevention agencies will also use the records for statistical analysis about credit, insurance and fraud.

You have the right of access to your personal records held by fraud prevention agencies. If you would like the names and addresses of the agencies used, please telephone 03 456 100 100.

Members of the HSBC Bank and the product provider(s) may record, use, exchange, analyse and assess relevant information held about you and your relationships with the HSBC Group. This will include the nature of your transactions, for credit assessment, market research, insurance claim and underwriting purposes and in servicing your relationships with the HSBC Group. This may include any information provided by you or someone acting on your behalf which is relevant to your relationships with us.

To provide the service(s) applied for, such as when administering claims, members of the HSBC Group and/or the product provider(s) may need to collect and process information about health records, criminal convictions, pending prosecutions and police cautions in respect of you and others. This information will not be used for marketing.

Relevant information may also be exchanged between members of the HSBC Group, the product provider(s) and others, including other insurers to provide you with services, and for the purposes of fraud prevention, audit and debt collection and if required by authorised governmental and non-governmental regulators or ombudsmen. We aim to keep your information up-to-date. first direct may use other members of the HSBC Group, the product provider(s) and/or third parties (in jurisdictions inside and outside the European Economic Area where there may be less stringent data protection laws) to process information on our behalf. Wherever it is processed, your information will be protected by a strict code of secrecy and security which all members of the HSBC Group, their staff, the product provider(s) and any third parties are subject to and will only be used in accordance with our instructions. Information about offshore customers may be processed offshore, in the UK or elsewhere inside or outside the European Economic Area. Offshore means Jersey, Guernsey (including Alderney and Sark) and the Isle of Man.

Members of the HSBC Group may exchange, use, analyse and assess relevant information held about you and your relationships with the HSBC Group, including the nature of your transactions, to give you information about products and services available from members of the HSBC Group and those of selected third parties which may interest you by telephone, post or other means.

Under data protection legislation, you can ask in writing for a copy of certain personal records we hold about you. A charge may be made for this service.

We will tell you if your application has been successful and when we will open your policy. This may be subject to appropriate identification, address verification or other specified documentation being provided to us.

To ensure that we carry out your instructions accurately, to help us to continually improve our service and in the interests of security, telephone calls you make to us and/or the product provider(s) may be monitored and/or recorded. In the interests of security first direct and/or the product provider(s) may use CCTV recording equipment in and around our premises. All recordings are our sole property or that of the product provider(s).

We may from time to time use a different insurer(s) to provide you with this product. A change of insurer(s) may take place upon the renewal date of your policy or at any other time. We will notify you prior to any change of insurer(s) and advise you of any change in the policy terms. By entering into this contract you authorise us as your agent to place the risk with insurer(s) other than those named in the policy. You will have the opportunity to terminate this policy before and after such a change becomes effective.

first direct and the product provider(s) may need to make and retain photocopies of passports, driving licenses or other identification evidence that you provide.

back to top 

Our downloads are in a PDF format. To read them you'll need to have Adobe Reader 4.0™ or above. It's free and you can get Adobe Reader here.

first direct is a division of HSBC Bank plc. © HSBC Bank plc 2016. All Rights Reserved. Member HSBC Group.
Because we want to make sure we're doing a good job, we may monitor or record our calls. We hope you don't mind.