Terms and conditions

Full benefits and exclusions can be found in your policy documents and on our website.

 

It is important that you review all documents, terms and conditions as well as each traveller’s personal information. That includes medical conditions and the cover provided.

 

If there are any changes to your personal details, health or travel requirements during the lifetime of your policy, you must tell us as soon as you can. Any incorrect information or undeclared conditions may invalidate this policy.

 

Any changes to your policy may incur an additional premium or admin fee.

 

All of our policies offer a 14 day cooling off period. If you change your mind within 14 days we’ll refund the full price, just as long as nobody has travelled or plans on making a claim.

 

Your payment will show on your bank statement as Staysure Expat.

 

You will find details of our complaints procedure in your policy document.

 

We are remunerated by commission for the arrangement, service and renewal of your insurance policy

 

1. Vouchers may be used to buy any new Single Trip or Annual Multi-Trip Staysure Expat Travel Insurance policy.
2. Vouchers may be used for full or part payment of a new travel insurance policy.
3. If your voucher value exceeds the cost of your new policy, any remaining credit will be saved on your Staysure Expat account and may be redeemed at a later date.
4. Voucher is not refundable if lost or stolen.
5. Vouchers are not transferable and may not be sold on.
6. Vouchers are the property of Staysure Expat Travel Insurance and have no cash value.
7. If a cancellation voucher has been issued but not used prior to the expiry of your voucher (36 months), we will apply an administration and maintenance fee which may be up to, but not exceeding the value of the voucher.

 

1. Percentage discounts (eg. 5%, 10% etc) and cashback offers are available to customers who purchase a policy, as stated on promotional material.
2. Discounts and offers only apply to the base premium of your travel insurance quote and do not apply to any medical screening costs or optional extras, where relevant.
3. Discounts and offers advertised on staysure.com are not valid to use on staysure.co.uk.
4. Policies can be purchased over the phone or online at staysure.com.
5. To qualify for the relevant discount, customers must quote the campaign code at time of purchase.
6. Customers must refer to the promotional material for minimum spend, if applicable.
7. Customers must refer to the promotional material for qualifying dates, if applicable.
8. The discount value is as stated on relevant promotional material.
9. Staysure reserves the right to change the offer at any time.
10. No cash alternative will be given.
11. The offer cannot be redeemed against existing policies.
12. The discount offer cannot be used in conjunction with any other offer.
13. Using a discount offer in conjunction with third-party cashback requests will result in a cashback decline.
14. Any cashback requests or disputes can only be dealt with by the third-party that you have requested cashback from and not directly with Staysure Expat.
15. Staysure Expat reserves the right to amend these rules at any time. Staysure Expat may also create rules which apply to a specific promotion only. If we do this we will publish the amended rules and/or specific rules on the relevant promotional material or webpage.
16. Our promotions are administered by Howserv Limited which is registered in England and Wales 03882026 and registered office is Britannia House, 3-5 Rushmills Business Park, Bedford Road, Northampton, NN4 7YB. Howserv Limited is authorised and regulated by the Financial Conduct Authority FRN 599282.

Our promotions are in no way sponsored, endorsed, administered by or associated with the brand/prize(s) unless otherwise stated.

 

We are working towards conforming with the Web Content Accessibility Guidelines (WCAG) 2.1 AA standard, which is required under the European Accessibility Act (EAA).

 

 

We commissioned an independent accessibility audit in June 2025. The audit evaluated the accessibility of our site and produced a set of prioritised recommendations which we are now working on. Where possible we will aspire to align with the most recent version WCAG 2.2 AA to better support customers using mobile devices and those with cognitive or low vision accessibility needs.

 

We are committed to implementing these improvements as part of an ongoing programme of work during a phased technology migration and upgrade.

 

 

Because our website is undergoing a phased redevelopment, and due to the involvement of various third-party systems, not all content or functionality may currently meet full accessibility standards. We are actively working to identify and address these gaps.

 

 

The site uses components from third-party providers (e.g., payment systems, chatbots, video content, etc.). While we aim to ensure accessibility across all experiences, we do not control the development of these third-party tools and are currently liaising with vendors regarding their compliance.

 

 

If you experience accessibility barriers on staysure.com, please email us at

 

[email protected]

 

We aim to respond to accessibility feedback within 5 working days.

 

 

Terms & Conditions

(Staysure Expat Social Competition March 2026) 

 

 

This competition is promoted by Howserv Europe, S.L. (i.e. Staysure Expat) ((“the Promoter”)). 

 

 

The competition is open to individuals who are aged 18 years or over and resident in Spain at the time of entry.  

 

No purchase necessary.  

 

Employees of the Promoter and their immediate families are excluded. 

 

 

To enter, participants must:

 

• Like the competition post 
• Follow @staysureexpat 
• Tag two friends in the comments 
• Share the post to their story for an extra entry (optional step) 

Only entries that complete all steps (apart from optional) will be valid. 

 

A maximum of two entries per person is permitted. (1 standard competition entry + 1 extra entry from story share) 

 

 

Entries must be submitted by the closing date stated in the competition post. Late entries will not be accepted. 

 

 

One winner will receive a travel gift voucher from lastminute.com valued at €250. This is redeemable via the lastminute.com website against flights & accommodation. Prize is non-transferable and no cash alternative is available. 

 

 

The winner will be selected at random from all valid entries. 

 

The winner will be contacted via direct message on social media and asked to provide an email address in which they wish to be sent their prize voucher. 

 

The voucher is to be sent within 14 business days of the winner being notified of their win. 

 

If the winner does not respond to our initial contact within 72 hours, then Staysure Expat reserves the right to select an alternative winner. 

 

 

The prize may be subject to Spanish personal income tax (IRPF) or other applicable taxes. 

 

Any tax obligations arising from acceptance of the prize shall be the sole responsibility of the winner. 

 

The Promoter acts as data controller for the purposes of this competition. 

 

Personal data will be processed solely for the administration of the competition, including winner selection, contact and prize delivery, in accordance with the EU General Data Protection Regulation (GDPR) and applicable Spanish data protection laws. 

 

Participants have the right to access, rectify or erase their personal data, to restrict or object to processing, and to lodge a complaint with the relevant supervisory authority. 

 

Further information is available in the Promoters’ privacy policies: 

 

• Staysure Expat Privacy Policy: https://www.staysure.com/expat/privacy-policy/ 

 

 

This promotion is run solely by the Promoter. It is not sponsored, endorsed, administered by, or associated with lastminute.com.The prize consists of a lastminute.com gift voucher purchased independently by the Promoter for use as a competition prize. The use of the voucher is subject to lastminute.com’s own terms and conditions. lastminute.com has no responsibility or liability in connection with this promotion. 

 

This promotion is also not sponsored, endorsed, administered by, or associated with Instagram, Facebook, or Meta. 

 

 

These Terms & Conditions are governed by Spanish law. 

 

Any dispute arising out of or in connection with this competition — including any issue relating to its existence, validity, termination, interpretation or performance — shall first be submitted to mediation. 

 

The mediation shall be administered by the competent body of the Madrid Bar Association (Ilustre Colegio de la Abogacía de Madrid) established for alternative dispute resolution in this field. If the mediation is totally or partially unsuccessful, the dispute shall be finally resolved by arbitration at law, administered by the Arbitration Court of the Madrid Bar Association.

 

The appointment of the mediator(s) and, where applicable, the arbitrator(s), as well as the administration of the mediation and arbitration proceedings, shall be governed by the specific rules of the Madrid Bar Association in force at the time the request for mediation or arbitration is submitted. 

 

Nothing in these Terms & Conditions shall exclude or limit any mandatory consumer rights under Spanish consumer protection legislation. 

 

 

The Promoter accepts no responsibility for any cancellation, postponement, delay, modification or disruption to any travel arrangements booked using the prize voucher. 

 

The prize consists solely of a €250 lastminute.com gift voucher. All bookings made using the voucher are subject to lastminute.com’s own terms and conditions, availability, and policies. Any issues relating to bookings, amendments, cancellations, refunds or disputes must be directed to lastminute.com customer services in accordance with their applicable terms. 

 

Once the voucher has been issued to the winner, the Promoter shall have no further liability in relation to the prize, its use, redemption, or any travel arrangements made using it. 

 

The Promoter shall not be liable for any loss, damage, injury, or expense incurred by the winner or any third party arising from or in connection with the use of the voucher or any travel booked using it. 

 

 

Participation in the competition constitutes full acceptance of these Terms & Conditions. 

 

The Promoter reserves the right to amend, suspend, or withdraw the competition if circumstances beyond their control make this unavoidable. 

 

 

This statement was last updated on 12^th March 2026.