SSTA Essentials from Philip Williams & Co

SSTA Essentials has been arranged for SSTA by Philip Williams & Company and includes Worldwide Travel Insurance starting from as little as £99.

Our optional Essentials package which provides Motor Breakdown and Home Emergency cover can be added for just £79 per year, or £19.75 per quarter.

Click below to buy your policy online now*.


If you have already saved a quote, or have a policy, click the Buy Now
button then login to your account to access your policies and quotations.

As you progress through the screens please read the information carefully as there are important conditions, particularly relating to health and existing medical conditions, that you must understand and, if necessary, act upon.

Please make sure the cover meets your needs. Full details are available in the policy document which you can download from the policy documents section below.

If you have any questions regarding the policy, or if you prefer to purchase over the telephone call us on 01925 604421

Office hours are Monday to Friday 9.00am - 5.00pm.

*Cover is available to permanent UK residents only. Trips must start and end in the UK

 annual worldwide travel cover

SSTA Essentials Travel Cover includes Annual Worldwide Travel Insurance, covering family members for trips up to 31 continuous days duration as standard. There may be any number of trips broken by a return to the UK in any one year. Annual Winter sports cover is included up to 17 days in any year.

You can buy our low cost Worldwide Annual Travel Insurance on it’s own, or add Home Emergency and Motor Breakdown to your travel policy for the combined Essentials package.

 travel only prices

(Premiums may be paid in full by credit or debit card, or by quarterly Direct Debit. For Direct Debit purchases the first payment will be collected by credit or debit card.)

 essentials package

Our Essentials package adds Home Emergency and Motor Breakdown to your travel policy. (Home Emergency and Motor Breakdown are not available without the Travel Insurance)

 home emergency cover

Home Emergency Cover is an assistance insurance policy that provides immediate assistance if you have a home emergency, including:



  • Plumbing & Drainage
  • Internal Electricity, Gas, and Water Supplies
  • Security
  • Lost Key
  • Primary Heating System
  • Pest Infestation
  • Roofing
  • Boiler Replacement Contribution
  • Overnight Accomodation

 motor breakdown cover

If a vehicle in which you or your partner are travelling as a driver or passenger, suffers a breakdown due to a mechanical or electrical failure, service will be provided in accordance with the policy wording. Cover includes:

  • Roadside Assistance and Recovery
  • Home Assist
  • Alternative Travel
  • Emergency Overnight Accommodation
  • Keys
  • Message Service
  • Misfuel Assist
  • Lack of Fuel
  • Caravan and Campervan Cover

 combined travel and essentials package prices

(Premiums may be paid in full by credit or debit card, or by quarterly Direct Debit. For Direct Debit purchases the first payment will be collected by credit or debit card.)

 policy documents

Policy documents are available here for download in .pdf format. You will need Adobe reader or equivalent to read these documents, if you do not have Adobe reader click on the image to go to Adobe.com to download it.

Privacy Notice (also known as "Fair Processing Notice")

Data Controller: Philip Williams and Company, 35 Walton Road, Stockton Heath, Warrington WA4 6NW

Contact for queries: Data Protection Manager, Tel. 01925 604421 Email: dataprotection@philipwilliams.co.uk

How will we use the information you give us?

We will only use your information on the basis that it is necessary to administer your insurance contract or help you make a claim. Where we need to pass information to other firms, it will only be for that purpose. These firms will be Insurers, other insurance brokers, firms handling claims, finance providers and firms that process or administer our records, including Federations / Trust Administrators.

When we contact you, it will either be for the above reason, or because we have a legitimate interest in marketing related products. For any other marketing it will only be with your consent and you will be able to withdraw your consent or unsubscribe easily at any time.

If we have to transfer information to a third country outside the EU, we will only do so if a similar level of protection applies. If we need to obtain information which is by nature sensitive, we will only do so on the basis that it is in the public interest - for example to fight crime, prevent fraud or to make sure insurance is available.

What type of personal information do we need?

We may need personal details which might include details of lifestyle, family, finances, business or education.

We will only collect what is necessary and will only keep it for as long as we are required to do in line with our data retention policy.

What other types of information do we need?

Under certain circumstances we may also need to obtain information about Race or Origin, Gender, Religion, Health, politics, Genetics, Trade Union Membership, Sex or Sexual Orientation.

We might also need details of criminal convictions.

We will only collect what is necessary and protect it with appropriate security measures.

How do we obtain your information?

We may gather it from information you submit to a website, by telephone, mail, face to face or by email.

We may receive it from insurers, other insurance brokers, firms handling claims, finance providers and firms that process or store our records, including Federations / Trust Administrators.

What are my legal rights?

You can obtain a copy of your personal information from us without charge by contacting us at the address above. This may include the right to transfer information to other providers.

You have the right to ask us to correct information.

You have the right to ask us to delete your information or stop using it, unless it is necessary for us to retain it for insurance or financial purposes as set out in our document retention policy.

You may have the right to object if decisions about you are made solely by a computer.

You have the right to complain to the Information Commissioner at www.ico.org.uk, Tel 0303 123 11132.

Security

We are committed to ensuring that your information is secure. In order to prevent unauthorised access or disclosure, we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect online.

How we use cookies

A cookie is a small file which asks permission to be placed on your computer's hard drive. Once you agree, the file is added and the cookie helps analyse web traffic or lets you know when you visit a particular site. Cookies allow web applications to respond to you as an individual. The web application can tailor its operations to your needs, likes and dislikes by gathering and remembering information about your preferences.

We use traffic log cookies to identify which pages are being used. This helps us analyse data about web page traffic and improve our website in order to tailor it to customer needs. We only use this information for statistical analysis purposes and then the data is removed from the system.

Overall, cookies help us provide you with a better website, by enabling us to monitor which pages you find useful and which you do not. A cookie in no way gives us access to your computer or any information about you, other than the data you choose to share with us.

You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. This may prevent you from taking full advantage of the website.

Links to other websites

Our website may contain links to other websites of interest. However, once you have used these links to leave our site, you should note that we do not have any control over that other website. Therefore, we cannot be responsible for the protection and privacy of any information which you provide whilst visiting such sites and such sites are not governed by this privacy statement. You should exercise caution and look at the privacy statement applicable to the website in question.

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Terms of Business

IMPORTANT NOTICE TO CLIENTS OF PHILIP WILLIAMS & Co. AS AGENTS EXPLAINING OUR TERMS OF BUSINESS AND INDEPENDENT INTERMEDIARY STATUS

This information is issued in accordance with the rules of the Financial Conduct Authority.

1. Definitions

a) We/us means Philip Williams & Co, 35 Walton Road, Stockton Heath, Warrington, WA4 6NW Tel: 01925 604421 / Fax: 01925 861351

b) Financial Conduct Authority (FCA) can be contacted by calling 0300 500 0597 or by visiting their website www.fca.org.uk

2. Regulation

We are authorised and regulated by the Financial Conduct Authority and conduct our business according to their Code of Conduct and Rules which regulates sales, advisory and service standards to ensure general insurance customers are treated fairly. Philip Williams & Company’s FCA firm registration number is 308860.

3. Status

We act as an Independent Intermediary (Broker) on your behalf. We offer a range of insurance products with a range of insurers. Our service includes; arranging your insurance cover with insurers to meet your requirements and helping you with any subsequent event or alteration to your insurance that we have placed on your behalf. We place insurance with a number of insurers and we will inform you should we have any special arrangements with them or should you have to deal directly with the insurer for ongoing policy administration. We may issue policies and handle claims on behalf of some insurers. For certain types of insurance we represent only one Company and we will inform you should this be the case. We will also inform you should we place your insurance through any other intermediary regulated by the Financial Conduct Authority. You will not receive advice or a recommendation from us. We may ask you some questions to narrow down the selection of products that we will provide details on. You will then need to make your own choice about how to proceed.

4. Disclosure of Information

It is important that you understand that any information, statements or answers made by you to us, or your insurer, are your responsibility. You must take reasonable care not to make misrepresentations when answering insurer’s questions. If you are careless in answering the insurer’s questions or deliberately make a misrepresentation, this may render the insurance void from inception (the start of the contract) and enable the insurer to repudiate liability (entitle the insurer not to pay your claims). You are advised to keep copies of documentation sent to or received from us for your own protection. Please do consult us if you are in doubt on any aspect. The requirement for correct information not only applies at commencement and renewal of your policy, but also at any time during the period of insurance.

5. Professional Indemnity

We conform to the Financial Conduct Authority Code in respect of Professional Indemnity Insurance. This type of insurance is mandatory.

6. Awareness of Policy Terms

When a Policy is issued you are strongly advised to read it carefully, as it is that document, the schedule and any certificate of insurance that is the basis of the insurance contract you have purchased. If you are in doubt over any of the policy terms or conditions, please contact us promptly.

7. Claims

If you have occasion to claim on your policy please follow the procedure as detailed in your policy document. You should not admit liability nor agree to any course of action, other than emergency measures carried out to minimise the loss, until you have agreement from your insurer.

8. Renewals

We will write to you at least 21 days prior to the renewal of your policy. At this time we will inform you of policy changes and the premium for the next year's cover. If you pay by Direct Debit and you wish the insurance to continue, you may choose to do nothing and the policy will be renewed automatically. The payments will continue to be taken from your designated account. If you do not wish this renewal process to apply please contact us on 01925 604421.

9. Complaints

It is always our intention to provide a first class service. However, should you have any cause for complaint you should in the first instance contact The Compliance Officer at Philip Williams & Co orally or in writing. Your complaint will be acknowledged within 5 business days advising you who is dealing with the complaint and indicating when you may expect an answer. We will provide a formal written response within 20 business days from receipt of the original complaint. If the complaint cannot be resolved within this timescale we will write with an explanation as to the progress and the likely timescale involved. You will be advised of any further redress available to you, should you believe the matter has not been resolved to your satisfaction. Your insurer also operates a complaint procedure details of which are in your Policy.

10. Financial Services Compensation Scheme

We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the Scheme if We were unable to meet Our obligations depending on the type of insurance and the circumstances of your claim.Further information about the scheme is available from the FSCS Website www.fscs.org.uk , by telephone 020 7892 7300, or write to: Financial Services Compensation Scheme, 7th Floor Lloyds Chambers, Portsoken Street, London, E1 8BN.

11. Documents

With your consent we reserve the right to retain certificates or other policy documents at this office until all payments due under the policy have been made. Any agreed facilities for payment of premiums by instalments through us will be the subject of a written agreement, which will include authority to retain certificates of insurance or other policy documents until all payments have been received. By accepting this agreement, you agree that delivery of any certificates of insurance to us shall constitute delivery to yourself in accordance with statute law. Should we withhold any documents we will ensure you receive full details of your insurance cover.

12. Cover

Your failure to correct any misunderstandings as to your requirements in relation to your policy cover will not be actionable in the event of a claim being rejected unless those misunderstandings are brought to our attention within 28 days of receipt of confirming documentation.

13. Notice

Insurers pass information to the Claims and Underwriting Exchange run by Insurance Database Services Ltd and the Motor Insurance Anti-Fraud and Theft Register run by the Association of British Insurers. The aim is to check information provided and also prevent fraudulent claims.

14. Quotations and Cancellations

Unless otherwise agreed any quotation given will remain valid for a period of thirty (30) days from the date of issue of the quotation. You may cancel your insurance for a full refund within a 14 day cooling off period from when you receive your policy documents (30 days for life insurance), provided you have not made or intend to make a claim and also provided you haven’t travelled on a travel insurance. If you choose to cancel a travel insurance policy outside the cooling off period or if you have already travelled in the period of insurance, you will not be entitled to any return of premium.

15. Client Money

We act as agents for the benefit provider for the collection of premiums and payment of claims and refund of premiums. We hold clients’ money separate from our own money with an approved bank, segregated in a client bank account designated as subject to a statutory trust. We act as the trustees of our clients’ monies and must meet certain and regulatory conditions.

15. Profit Share Agreement

We have an agreement in place with one of the insurers on our panel, that if our account with them meets certain pre-agreed volume and profit targets during the year, we will receive an additional payment from them.

16. Payment to Third Parties

We may transfer client money to another person, such as another broker or settlement agent, for the purpose of effecting a transaction on your behalf through that person. We do however still remain responsible to you in respect of your money. This may include brokers and settlement agents outside of the UK. The legal and regulatory regime applying to a broker or settlement agent outside the UK may be different from that of the UK and in the event of a failure of the broker or settlement agent, this money may be treated in a different manner from that, which would apply if the money were held by a broker or settlement agent in the UK. You may notify Us if you do not wish your money to be passed to a person in a particular jurisdiction.

17. Call Charges

Calls to our 0845 numbers cost 7p per minute, plus your phone company's access charge. Please make sure you aware of the access charge your phone company will charge you. Philip Williams and Company do not receive any income from 0845 numbers. If you wish you can use our 01925 604421 number instead.

18. Note

It is important that you notify us of any change of address, if we are unable to confirm your correct address after using reasonable efforts to do so, then we will cancel your policy as we will not be able to confirm that you still require cover.

Your acceptance of these Terms of Business does not affect your normal legal rights. Information provided by Philip Williams & Company does not constitute personal recommendation or advice. 35 Walton Road, Stockton Heath, Warrington, Cheshire WA4 6NW Tel: 01925 604421 Fax: 01925 861351 www.philipwilliams.co.uk

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