InsurTech UK Travel Insurance Platform -- FCA Regulated

Travel Insurance Quote Engine

• 1trip details (FCDO travel advisory check for destination),
• 2traveller details (age, residence),
• 3medical screening (ARAG Medical Screening API -- diabetes, heart, cancer -- standardised question set),
• 4coverage selection (single trip, annual, backpacker -- medical, cancellation, baggage),
• 5premium calculation (actuarial -- age + destination + duration + medical risk),
• 6PCW API integration (Confused.com, GoCompare -- sub-3 seconds).

FCDO no travel

if FCDO advises against all travel -- quote declined.

ARAG REST API

question set per condition -- premium loading/exclusion/decline decision.

Consumer Duty disclosure

if medical condition excluded -- prominently disclosed before purchase (not buried in policy).

FCA Consumer Duty health

if cannot obtain affordable medical cover -- signpost to specialist providers (BIBA signposting obligation).

FCDO JSON feed per country

• green (standard), yellow (caution), amber (essential travel only), red (no travel -- policy voided).
• Real-time webhook: FCDO upgrades destination mid-trip -- customer notified via GOV.UK Notify that cover may be affected.
• Mid-trip advice change notification -- Consumer Duty feature nobody else was doing.

Consumer Duty Design

• 1medical condition exclusion prominently disclosed,
• 2cancellation cover plain English (illness covered, change of mind not),
• 3PS21/11 renewal parity check,
• 4BIBA signposting for medical declines,
• 5claims handling disclosure.

Readability

Flesch-Kincaid Grade Level 7.2 target.