FCA signposting: Access to travel insurance for customers with medical conditions ¶

The FCA signposting requirements surrounding access to travel insurance for those with pre-existing medical conditions requires travel insurance providers to inform customers about the Money Helper travel insurance directory. 

This came into effect in April 2021 and requires providers to signpost to the MaPs directory in the following circumstances.

• A quote cannot be provided because the customer has a medical condition which is automatically excluded.
• A quote cannot be provided due to a medically screened condition being declined.
• A medical additional premium for an individual’s declared condition(s) is £100 or more excluding IPT on all available products.

Please note that referring to the MoneyHelper Directory is a mandatory requirement, and it will be considered a breach of FCA rules if these requirements are not met.

The good news is that the FCA rules allow you to signpost to a preferred partner, such as Goodtogoinsurance.com, as well as providing details of the MoneyHelper directory. This enables you to earn some income from the customers you can’t currently cover.

How can goodtogoinsurance.com help? ¶

Goodtogoinsurance.com are specialists in travel insurance for all types of medical condition up to a very high level of severity. We are recognised by the FCA as a medical travel insurance specialist and included in the MoneyHelper directory.  

We can give you the opportunity to earn commission on travel insurance for those with pre-existing medical conditions and retain your customer for future sales.

• We can provide full front end / back office branded travel insurance solutions, with all regulatory touch points seamlessly integrated and kept up to date. We will do it all for you.
• If you have a standard travel insurance offering already, signposting to Goodtogoinsurance.com in addition to the MoneyHelper directory gives you the opportunity to earn commission and retain your customer.

Get in touch to find out more about our signposting options ¶

For more information on how you can earn commission on travel insurance for travellers with pre-existing medical conditions please complete the enquiry form and we will be in touch.