Terms & Conditions

Important information

Go Walkabout Travel Insurance is a trading name of Go Walkabout Limited.

Go Walkabout Ltd is authorised and regulated by the Financial Conduct Authority, our FRN is 580218. You can check these details on the FCA’s Register, or by visiting the FCA website http://www.fca.org.uk/register/ , or by contacting the FCA on 0800 111 6768 or +44 207 066 1000 from abroad. Go Walkabout Ltd is permitted to arrange and advise on your insurance needs, and deal as an agent of insurers and clients, with respect to non-investment insurance policies.

Whose products do we offer?

We offer products insured by Millstream Underwriting Ltd on behalf of AWP P&C SA administered in the United Kingdom by AWP Assistance UK Limited. Millstream Underwriting Limited is authorised and regulated by the Financial Conduct Authority (FCA Firm reference number: 308584). Millstream Underwriting Limited. Registered in England and Wales No 3896220. Registered office: 52-56 Leadenhall Street, London, EC3A 2EB. AWP Assistance UK Limited Registered in England. Registration No. 1710361. Registered office: AWP Assistance UK Ltd, PO Box 74005, 60 Gracechurch Street. London, EC3P 3DS. AWP Assistance UK Limited (FCA Firm reference number: 311909) is authorised and regulated by the Financial Conduct Authority. AWP P&C SA is authorised and regulated by L’Autorité de Contrôle Prudentiel et de Résolution in France. Deemed authorised by the Prudential Regulation Authority (PRA). Subject to regulation by the FCA and limited regulation by the PRA. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the FCA’s website.

Which service will we provide you with?

You will not receive advice or a recommendation from us. We may ask some questions to narrow down the selection of products we might offer you. You will then need to make your own choice as to how to proceed

How does our policy work?

You have two policies – the first is your Pre-travel policy which starts on the day you requested cover to commence after you paid the premium and remains in force until you leave home to start your trip. The second, your Travel policy, provides cover while you are on your trip from the time you leave home on the booked date of departure until the date of booked return. If you return home early the cover on that trip will cease on that date instead.

Your duty of disclosure

Your insurance is based upon the information you have provided to us and you must ensure that all such information is complete and accurate, and that any facts that may influence the insurer’s decision to accept the policy and what terms are applied must be disclosed. Failure to disclose material information may invalidate your insurance and could mean that part, or all, of a claim may not be paid.

How to cancel

You have a statutory right to cancel a policy within 14 days of receipt of the documents, should you find that the cover does not meet your particular needs. If you decide to cancel within this period, you must confirm this to us in writing and return your documents to us; provided you have not travelled, or submitted a claim we will refund your premium. If you cancel outside this period you may not receive any refund of premium. Please refer to your policy wording documents for full information with regards to refunds.

Protecting your information

All personal information about you will be treated as private and confidential (even when you are no longer a customer), except where the disclosure is made at your request or with your consent in relation to administering your insurance, and except where law requires us. Some or all of the information you supply to us in connection with your insurance proposal may be passed to insurance companies for underwriting, claims and premium collection purposes. Your data will be held in accordance with the Data Protection Act 1998, under which you have a right of access to see personal information about you that is held in our records, whether electronically or manually. If you have any queries, please write to The Director, Go Walkabout, The Innovation Centre, Highfield Drive, St Leonards on Sea, E. Sussex TN38 9UH

How to claim

Please see our claims information page.

Fees and charges

We do not charge a fee for our services, however we reserve the right to do so, and if we choose to do this we will clearly show these within our quotations to you.

Protecting your money

Prior to your premium being forwarded to the insurer, and for your protection, we hold your money as an agent of the insurer (in which case your policy is treated as being paid for).


It is our intention to provide a high level of service at all times. However if you have reason to make a complaint about our service please contact us:

If your complaint is regarding the selling of your policies please write to:
The Customer Services Manager
Go Walkabout Travel Insurance
The Innovation Centre
Highfield Drive
St Leonards on Sea
TN38 9UH

Or if you would like to complain about the outcome of your claim or assistance provided please forward details of your complaint in the first instance as follows (see further down the page for complaints relating to the gadget extension):

For policies issued after 12/07/2021
By Post: Millstream Underwriting Limited 52-56 Leadenhall Street, London, EC3A 2EB
By Email: [email protected]

For policies issued up to 12/07/2021
By Post: Customer Insights Manager 1 Tower View Kings Hill West Malling Kent ME19 4UY
By Phone: 0203 829 6604
By Email: [email protected]

For policies purchased up to 07/07/2021:
[email protected]

For policies purchased from 08/07/2021 to 12/07/2021:
[email protected]

If your complaint is in respect of the Bastion Gadget Extension for policies purchased on or after 8th February 2019

First contact; The Customer Services Director, Direct Group, Quay Point, Lakeside Boulevard, Doncaster, DN4 5PL Telephone: 0345 074 4788; Email: [email protected] . If you are still not satisfied with the outcome you may ask the Financial Ombudsman Service (FOS) to review your case.

If you are still not satisfied with the outcome you may:

Ask the Financial Ombudsman Service (FOS) to review your case. Their address is Exchange Tower, Harbour Exchange Square, London, E14 9SR. Their telephone advice line is 0800 023 4567 if calling from a landline or 0300 123 9123 if calling from a mobile, or visit https://www.financial-ombudsman.org.uk/

Compensation arrangements

We are covered by the Financial Conduct Compensation Scheme. You may be entitled to compensation from the scheme if we cannot meet our obligations. This depends on the type of business and the circumstances of the claim. Insurance advising and arranging is covered for 100% of the first £2,000 and 90% of the remainder of the claim, without any upper limit. For compulsory classes of insurance, insurance advising and arranging is covered for 100% of the claim, without any upper limit. Further information about compensation scheme arrangements is available from the FSCS by visiting http://www.fscs.org.uk/

If you have any queries regarding the above then please don’t hesitate to contact us.