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About Free Spirit

Free Spirit was the first insurance of its type specifically created for people being refused cover elsewhere simply due to their health, disability or age.

Our philosophy is that travel insurance should be available to as many people as possible, which is why we can:

  • provide cover whatever your age;
  • consider any medical condition and disability (including a terminal condition);
  • include your travelling companions (even if they don’t have a medical condition);
  • cover over 100 activities for free with an option to add winter sports for an additional premium.

You can also choose from two levels of cover to ensure you get the cover that is right for you.

In the last 18 years, Free Spirit has helped tens of thousands of people to obtain cover for their often much needed holiday.

So if you need specialist travel insurance for a forthcoming trip, why not get your Free Spirit quote today!

When other insurance providers say “No”, we’re usually
the ones who say “Yes. We can cover you.”

Who regulates us?

Free Spirit is a trading name of travel insurance specialists P J Hayman & Company Limited.

P J Hayman & Company Limited is authorised and regulated by the Financial Conduct Authority. Our Financial Services Register number is 497103.

You can check this on the Financial Services Register by visiting or by calling 0800 111 6768 or 0300 500 8082.

For further information about us and the service we provide click here.

Who is the policy underwritten by?

Free Spirit is underwritten by Cigna Europe Insurance Company S.A.-N.V., UK Branch, Chancery House, St Nicholas Way, Sutton, Surrey, SM1 1JB. Registered in Belgium, subject to the supervision of the National Bank of Belgium and the Financial Services and Markets Authority (FSMA) Belgium, in the field of consumer protection and subject to limited regulation by the UK Financial Conduct Authority.


Who is the emergency assistance provider?

The emergency assistance is operated by Free Spirit Emergency Assistance Service and is available 24 hours a day to provide you with assistance in the event of any illness, injury, accident during the period of cover.

Customer Services

We have a dedicated customer services team who are all experienced specialists committed to providing high levels of customer service and quality technical support.

Our staff are based in the UK at our offices in Stansted House, Rowlands Castle, Hampshire, PO9 6DX.

  • Testimonials

    We were very happy with the service we received from Free Spirit, our medical expenses claim was settled hassle free.
    Mrs FahertyLondon
    To read reviews click here

  • Ask Mary

    Free Spirit Manager, Mary Holt is a recognised expert in medical screening and in underwriting travel insurance for people with medical conditions. You can read Mary's Q&As or ask Mary a question directly. Read Q&As Ask Mary

Last updated: 15th June 2016.