Target market statement

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Understanding our market.

Last updated: 09 April 2026

This page explains the intended target market for OGSure Travel Insurance. 

It is designed to help customers, partners, and distributors understand who this product is aimed at, how it is expected to be sold, and the circumstances in which it may not be suitable.

This statement is a summary only. It should be read alongside the policy wording, quote journey, and other relevant product documents.

About OGSure Travel Insurance

OGSure Travel Insurance is designed to provide international travel cover for customers travelling from their country of residence to destinations within the geographical limits of the policy.

The product is intended to provide protection against a range of insured travel risks, such as cancellation, emergency medical expenses abroad, evacuation and repatriation, baggage issues, travel disruption, and other benefits set out in the policy wording.

Who this product is designed for

OGSure Travel Insurance is designed for customers who:

  • need international travel insurance for a single trip or multiple trips during a policy year
  • want cover that is arranged on a non-advised basis
  • are comfortable reviewing policy information and making their own decision about whether the product meets their needs
  • want a straightforward travel insurance product with clearly stated benefits, limits, conditions, and exclusions
  • are travelling within the age and trip-length limits that apply to the policy they are buying

For the OGSure brand specifically, the product is particularly suited to customers looking for clear, dependable travel insurance for cruises, holidays, city breaks, and longer experience-led trips.

Who this product may not be suitable for

This product may not be suitable for customers who:

  • need annual cover beyond the maximum eligible age
  • need single-trip cover beyond the maximum eligible age
  • want cover for circumstances that existed or were known before the policy started, unless those have been specifically accepted
  • want cover for hazardous or specialist activities that are not included under the policy or any optional extension
  • are travelling to destinations or in circumstances that fall outside the policy wording
  • need cover while remaining in their country of residence
  • want a personally recommended or advised insurance product

Customers should always read the policy wording carefully to make sure the product meets their needs.

Age and eligibility considerations

As a general guide, the product is not designed for:

  • customers aged over 79 for annual multi-trip cover
  • customers aged over 84 for single-trip cover

Other eligibility criteria, limits, and exclusions apply, including trip duration limits, destination restrictions, and policy conditions.

How this product is sold

This product is designed to be sold on a non-advised basis.

It may be distributed:

  • online
  • by telephone
  • face to face
  • through approved partners or intermediaries

The distribution method should match the needs of the target market and support clear customer understanding.

Fair value

We assess whether this product provides fair value by considering the relationship between the price paid by the customer and the benefits, service, and cover provided.

Our assessment may include factors such as:

  • claims frequency and claims costs
  • accepted, rejected, or partially rejected claims
  • customer feedback
  • distributor feedback
  • product performance over time
  • changes in external conditions that could affect value
  • the effect of distribution costs and commission within the distribution chain

We review product value on an ongoing basis and when material changes are made.

Important product limitations and exclusions

Customers and distributors should be aware that this product includes important conditions, limitations, and exclusions.

These may include, for example:

  • age limits
  • trip-length limits
  • exclusions for pre-existing circumstances or conditions unless accepted
  • activity restrictions
  • destination restrictions
  • exclusions relating to travel against official advice, where applicable
  • excesses or deductibles shown in the policy schedule or wording

This summary does not replace the policy wording.

Distribution and customer understanding

This product is intended for customers who are able to review the available information and decide whether the cover is right for them.

Distributors should take reasonable care to ensure the product is distributed to the intended target market and that customers are given clear information about the key features, exclusions, and limitations.

Need help?

If you have questions about this Target Market Statement or want help understanding whether OGSure Travel Insurance may be suitable for you, please contact us.

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