Terms of business

How we do business.

Last updated: 09 April 2026

Please read these Terms of Business carefully. 

They set out the basis on which we agree to act for our customers and contain important details about our regulatory responsibilities, our services, and your responsibilities as a customer.

By asking us to quote for your insurance requirements, you are agreeing to these Terms of Business.

About our company

OGSure is a trading style of Optimum Global Limited, a specialist insurance intermediary authorised and regulated by the Financial Conduct Authority.

FCA firm reference number: 453654

You can check this information on the FCA Register.

Our permitted business includes advising, arranging, dealing as agent, making arrangements with a view to transactions, and agreeing to carry on regulated activities for commercial and retail clients.

Our address

Optimum Global Limited:

4th Floor, 21 Perrymount Road, Haywards Heath, West Sussex, RH16 3TP, United Kingdom

Optimum Global Limited is registered in England and Wales.

The capacity in which we act

We act as an insurance intermediary, not as an insurer.

We will usually act on your behalf when arranging your insurance, helping you make changes to your policy, dealing with renewals, and assisting in the event of a claim.

If there are any circumstances where we act as the agent of the insurer, we will make that clear before your insurance arrangements are finalised.

Our products and services

We offer products from a single insurer.

We do not provide advice or make a personal recommendation about whether a particular policy is right for you. We may ask questions to help narrow down the products we provide information on, but you will need to make your own decision about how to proceed.

We cannot guarantee the solvency of any insurer.

Methods of communication

We will usually communicate with you by email, telephone, or post.

Please let us know if you would prefer not to receive communications by any particular method.

Disclosure

You are responsible for answering all questions honestly and to the best of your knowledge when applying for insurance cover.

You must provide complete and accurate information. This also applies to your responses to any assumptions used as part of the insurance application process.

If you fail to disclose information, or if you misrepresent any fact that may influence the insurer’s decision to accept the risk or the terms offered, your policy could be invalid and claims may not be paid.

You should check all proposal forms, statements of fact, and insurance documents carefully to make sure the details are correct and that the cover meets your needs.

You must tell us immediately if any change in circumstances may affect the services we provide or the cover under your policy.

We recommend that you keep copies of any correspondence you send to us or directly to the insurer.

Fees and charges

Unless we tell you otherwise when you take out or renew a policy, we do not charge fees in addition to the insurer’s premium.

Payment for our services

We generally receive commission from insurers. This usually represents a percentage of the premium charged to you.

You are entitled to ask for information about any commission we may have received in connection with your insurance.

Methods of payment

We accept payment by debit card or credit card.

Handling client and insurer money

Quotations

Confidentiality and data protection

In the course of arranging your insurance, you may provide us with personal data.

Where we process personal data, we do so in accordance with applicable data protection law, including the Data Protection Act 2018 and the UK GDPR.

The personal data we collect may include information such as your name, address, date of birth, contact details, and, where relevant, health or criminal offence data.

We use personal data to provide our services, manage communications, and meet our legal and regulatory obligations.

For more information about how we handle personal data, please read our Privacy Policy.

Credit checks

We, and other firms involved in arranging your insurance, may use public and personal data from a range of sources, including credit reference agencies and other organisations.

This information may be used to help tailor a price, assess payment options, and help prevent fraud.

Any credit reference search may appear on your credit report, whether or not your application goes ahead.

Conflicts of interest

Occasions may arise where we, one of our associated companies, a client, or a product provider may have a potential conflict of interest.

If we become aware of a conflict, we will inform you and explain the steps we will take to ensure fair treatment before carrying out your instructions.

Changes to your cover

We will usually deal with requests to increase or amend cover on the day we receive your instructions, or on the next working day if your request is received on a weekend or public holiday.

Sometimes changes cannot be processed without additional information. If so, we will contact you as quickly as possible.

Once agreed, we will confirm the change in writing and tell you about any extra premium you need to pay or any refund due.

Receipt of instructions

We do not treat instructions sent by post, email, or left on voicemail or answering equipment as received until they have reached the relevant member of staff in our office.

We are not responsible for instructions that do not reach us because of failures in postal, electronic, or telecommunications systems.

Documentation

Our aim is to provide documentation and correspondence in a clear and understandable format.

Please check all policy documents carefully to make sure the details are correct and that the cover meets your requirements.

If you spot any errors, you must tell us immediately.

We recommend that you keep your policy documents for as long as a claim could still arise under the policy.

Making a claim

If you need to make a claim, you should first check the relevant section of your policy to see whether you are covered and what supporting documents are required.

When you return home, contact the claims service and quote your insurance certificate number.

In some cases, claims may also be started while you are still travelling, but the usual claims requirements will still apply.

Making a claim for medical treatment abroad

If you need emergency medical help abroad, the assistance service can confirm whether treatment or expenses are covered under the terms of your policy and can liaise directly with hospitals regarding treatment and payment of bills.

If specialist travel arrangements are needed, the assistance service may be able to make appropriate arrangements based on medical necessity.

For smaller expenses, it may sometimes be easier to pay first and reclaim the costs later, but if you are unsure whether costs will be covered, you should seek prior authorisation where possible.

Please keep all receipts and medical reports.

Treating customers fairly

We aim to provide a high standard of service at all times and welcome feedback from our customers.

If, for any reason, you feel our service has not met your expectations, please let us know.

Complaints procedure

If you wish to make a complaint about the sale or administration of your insurance, please contact us:

By email: complaints@optimumglobal.com

By telephone: +44 (0) 1444 473 405

By post:

• The Managing Director
• Optimum Global Limited
• 4th Floor, 21 Perrymount Road, Haywards Heath, West Sussex, RH16 3TP, United Kingdom

Compensation

We are covered by the Financial Services Compensation Scheme (FSCS).

You may be entitled to compensation from the FSCS if we cannot meet our obligations. The level and scope of protection depend on the type of claim and the circumstances involved.

Further information is available from the FSCS.

Cancellation rights

You may have a right to cancel your insurance during a 14-day cooling-off period from the date you receive:

• the policy document at the start of your insurance, or
• the renewal documentation for subsequent periods of insurance

If such a cancellation right applies, this will be confirmed in your insurance documentation.

If you exercise your cancellation right, you may be entitled to a refund of premium, less a proportionate charge for the period of cover already provided.

If a claim has already occurred and that claim has effectively used the cover, insurers may not allow any refund.

If the cancellation right is not exercised within the applicable period, no refund may be payable.

Law and jurisdiction

These Terms of Business are governed by English law.

In relation to any legal action or proceedings arising out of or in connection with these Terms of Business, the parties submit to the non-exclusive jurisdiction of the English courts.

Need help?

If you have questions about these Terms of Business or your policy, please contact us.

You may also find these pages useful:

• Contact Us
• Privacy Policy
• Cookie Policy
• Complaints
• Policy Documents

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