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 £94.

Our optional Essentials package which provides Motor Breakdown and Home Emergency cover can be added for just £74 per year, or £18.50 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 Policy

This privacy policy sets out how Philip Williams & Company uses and protects any information that you provide when you use this website.

Philip Williams & Company is committed to ensuring that your privacy is protected. Should we ask you to provide certain information by which you can be identified when using this website, then you can be assured that it will only be used in accordance with this privacy statement and in accordance with the Data Protection Act.

Philip Williams & Company may change this policy from time to time by updating this page. You should check this page from time to time to ensure that you are happy with any changes. This policy is effective from 01 January 2013.

Philip Williams & Company is Authorised & Regulated by the Financial Conduct Authority; Registration Number 308860.

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.

Information provided to Philip Williams & Company will only be used for the operation of insurance including the processes of underwriting, administration, claims management, rehabilitation, and customer concern handling. It may sometimes be necessary to share information with other insurers, re-insurers and service providers. Your data will be processed fairly and securely in accordance with the Data Protection Act 1998. Sensitive personal data may only be available to those who need to use that information to make certain underwriting decisions. Information will under no circumstances be made available to third parties for the use of direct marketing activity. Philip Williams & Company may from time to time contact you in relation to Philip Williams & Company products which we feel may be of interest to you. If you would rather not receive any information, please contact the data protection officer by emailing dataprotection@philipwilliams.co.uk. Subject Access to data held by Philip Williams & Company will be granted following a written request to the Data Protection Officer. An administration charge of £10 will be made per request. You will receive a response within 40 days of your request.

You may choose to restrict the collection or use of your personal information in the following ways:

whenever you are asked to fill in a form on the website, look for the box that you can click to indicate that you do not want the information to be used by anybody for direct marketing purposes.

Contact us directly at dataprotection@philipwilliams.co.uk and let us know you do not want us to use your personal information for direct marketing purposes, or write by post to The Data Protection Officer, Philip Williams & Company, 35 Walton Road, Stockton Heath, Warrington, WA4 6NW.

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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 and must be correct. Your attention is particularly drawn to the importance of the declaration and signature on any Insurers Proposal Forms. 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 you don't answer the questions correctly, your policy may be cancelled, or your claim rejected or not fully paid. 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.

5. Confidentiality

Unless required by law, public interest, by virtue of our being regulated by the FCA or you give your consent all information you supply will be kept confidential to us and parties involved in the normal course of arranging and administrating your insurance. Under the Data Protection Act 1998 you have the right to see personal information about you that we hold in our records. Should you have any queries please write to us at the above address.

6. Professional Indemnity

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

7. 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.

8. 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.

9. 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.

10. 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.

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. 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.

13. 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. If you choose to cancel a travel insurance policy outside the cooling off period, you will not be entitled to any return of premium. If you choose to cancel a household policy outside the cooling off period, you will be entitled to a pro-rata refund of your premium subject to a £25 administration charge.

14. Client Money

We do not mix clients money with our own. Clients money is kept in a separate statutory trust clients account access to which is strictly controlled so that at all times we know how much money we are holding for each individual client.

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. Note

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.

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.

Data Protection

Information provided to Philip Williams & Company will only be used for the operation of insurance including the processes of underwriting, administration, claims management, rehabilitation, and customer concern handling. It may sometimes be necessary to share information with other insurers, re-insurers and service providers. Your data will be processed fairly and securely in accordance with the Data Protection Act 1998. Sensitive personal data may only be available to those who need to use that information to make certain underwriting decisions. Information will under no circumstances be made available to third parties for the use of direct marketing activity. Philip Williams & Company may from time to time contact you in relation to Philip Williams & Company products which we feel may be of interest to you. If you would rather not receive any information, please contact the data protection officer by emailing dataprotection@philipwilliams.co.uk . Subject Access to data held by Philip Williams & Company will be granted following a written request to the Data Protection Officer. An administration charge of £10 will be made per request. You will receive a response within 40 days of your request.

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