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Terms and Conditions

Company Information

Grovelawn Limited and is an Introducer to Rothwell & Towler (2013) Ltd and by whom this UK travel insurance is arranged and administered. The Rothwell & Towler (2013) Ltd is an appointed representative of Crispin Speers & Partners Ltd who are authorised and regulated by the Financial Conduct Authority, FCA register number 311507. Rothwell & Towler (2013) Ltd, Registered in England No. 08294942. Registered Office: St Clare House, 30-33 Minories, London EC3N 1PE.

For Non UK Residents or UK residents already abroad who are directed to World Nomads to purchase their travel insurance.

For World Nomads Terms of Business Click Here


An e-mail will be sent to you immediately after purchasing a policy containing the links to your policy documents, these documents should be easily accessible should you need to let us know your policy number. The policy certificate will include your certificate showing your policy number, the persons insured, policy commencement date, period of insurance and the destinations/zones covered along with the total price, including any additional endorsements for medical conditions or additional sports and activity packs.


If your cover does not meet your requirements, please notify us within 14 days of receiving your policy schedule and if requested return all your documents for a refund of your premium. If during this 14 day period you have travelled, made a claim or intend to make a claim then we can recover all costs that you have used for those services. Please note that your cancellation rights are no longer valid after this initial 14 day period.

Our Company Information

Our website, is operated by Grovelawn Limited (“Grovelawn”) is registered to 98 Station Road, Sidcup, Kent DA15 7BY (company number 05288164.) All references to “we”, “us” and “our” shall be deemed to be references to and Grovelawn Limited and references to “you” and “your” shall be deemed to be references to persons placing an order via this website and with the World First Travel Insurance website from Rothwell & Towler.

The following terms and conditions apply to all use of this website and with the World First Travel Insurance website from Rothwell & Towler. By purchasing travel insurance with us you are deemed to have understood and accepted these terms and conditions.

For full details of their Terms of Business Click Here

Please understand that if you refuse to accept these Conditions, you will not be able to purchase any products from the website (s). If you do not agree to be bound by these terms and conditions you should leave this website now.


All prices quoted are in pounds sterling and include Insurance Premium Tax at the prevailing rate.

Last Updated June 2015

Travel Insurer Contracts - Policies bought after 9th January 2014

Underwritten by Ageas. - Our travel insurance policies are underwritten by Optimum Underwriting Limited as Underwriting Agents for Ageas Insurance Limited Registered in England: No. 354568.

Optimum Underwriting Limited (Financial Services Register No. 308041) and Ageas Insurance Limited (Financial Services Register No. 202124) are authorised and regulated by the Financial Conduct Authority. Scheduled Airline and End Supplier Failure is provided by International Passenger Protection Limited

Travel Insurance Contracts - Policies bought before 9th January 2014

Your travel insurance policy is a contract between you, WorldNomads and our the insurer on your particular policy. By purchasing a travel insurance policy you are agreeing to abide by the terms set out in the policy wording. The policy wordings for each of the policies we offer are available to any person visiting our web site and can be examined in their entirety at any time here. The policy wording of your chosen policy will be sent to you by email.

Claims - Policies bought after 09th January 2014

Please visit the website This will lead you to our online claims notification service where claim forms can be obtained immediately via email or by downloading directly from the site. Telephone on - 01992 708706 or fax a request to 01992 450717. In writing to: One Claims Ltd, 1-4 Limes Court, Conduit Lane, Hoddeston, Herts EN11 8EP By email

Claims - Policies bought before 10th January 2014

You can make a claim even when you are away. In the first instance please visit the website This will lead you to their online claims notification service where a claim form can be completed.

WorldNomads reserve the right to levy non-refundable surcharges for payment by debit or credit card. The scale of these will be clearly notified to you before any policy is confirmed.


We continually review our products and prices. Our instant quotes provide the full cost of all our travel insurances policies, including the Insurance Premium Tax at the current rate if applicable.

Data Protection Act 1998 Notice

Bestbackpackers and WorldnNomads collect and maintain personal information in order to underwrite and administer the policies of insurance that we issue. All personal information is treated with the utmost confidentiality and with appropriate levels of security. We will not keep your information longer than is necessary.

Your information will be protected from accidental or unauthorised disclosure. We will only reveal your information if it is allowed by law, authorised by you, to prevent fraud or in order that we can liaise with our agents in the administration of this policy.

Under the terms of the Act, you have the right to ask for a copy of any information we hold on you upon payment of an administrative fee and to require a correction of any incorrect information held. Any inaccurate or misleading data will be corrected as soon as possible.

The above principles apply whether we hold your information on paper or in electronic form.

Last Updated January 2014