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Free Spirit provide case study for BIBA’s 2018 Manifesto

We are delighted to be part of the BIBA’s 2018 Manifesto by providing one of the case studies which demonstrates the value of using a specialist provider and helping customers get the cover they need.

The British Insurance Brokers’ Association (BIBA) is the UK’s leading general insurance intermediary organisation representing the interests of insurance brokers, intermediaries and their customers. Their membership includes just under 2,000 regulated firms, employing more than 100,000 staff.

Dee is given the freedom to travel by Free Spirit

British Insurance Brokers AssociationIn 2014, Dee was diagnosed with a Neuroendocrine Tumour (NETs) a rare condition where tumours can appear in different areas of the body that form the neuroendocrine system, including the stomach, bowel and lungs. Her life was changed completely; the tumour was found in her small intestine and had spread to her liver and she was told it was incurable, inoperable but manageable.  She was also advised not to travel due to the aggressive treatment she faced – doubly devastating because she and her husband both had a passion for travel.

However, undeterred, once her condition went into a managed phase, nine months later, she felt sure her travelling could resume. However she hadn’t realised how difficult it would be to obtain the insurance she needed. She tried all the usual outlets but was faced with insufficient cover and/or prohibitively high premiums. Sometimes after many minutes of medical screening, she would simply be told the company could not progress her application.

Fortunately, Dee was signposted to BIBA member, PJ Hayman’s Free Spirit scheme, which was able to help. One month after having radionuclide therapy, she was on a cruise.  Knowing she was fully covered gave Dee the confidence to travel further.

Talking about Dee’s travel ambitions led Free Spirit to look for an annual travel insurance solution to save her both time and money.  Using their experience and understanding of Dee’s individual circumstances, an annual policy was made available and adapted to give Dee full cover for her condition regardless of the number of trips she made in a year.

Dee said “Some providers would not even cover me excluding my NETs.  Since finding Free Spirit we have been able to travel to some amazing places in the world. I’m also delighted that Mary and the team at Free Spirit have offered their help and advice to the NET Patient Foundation to assist people with the same challenges who really need to get the right insurance from the right sources.”

Mary Holt of Free Spirit: “I had to really think about the situation, talk to Dee, understand how well she was and how well she coped with travelling. I spoke to underwriters and we were able to endorse an annual policy to ensure Dee and her husband were fully covered.”

See the full case study on BIBA’s 2018 Manifesto


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