High Risk Voyager Complaints

High Risk Voyager Travel Insurance aim to provide the highest standard of service to every customer. If our sales process and supporting service does not meet your expectations, we want to hear about it, so we can try to put things right. Please contact: 

The Complaints Officer

Voyager Insurance Services Limited

13-21 High Street, Guildford

Surrey, GU1 3DG

United Kingdom

Tel: +44 (0) 1483 806 686

Email: complaints@voyagerins.com

We have a fair and thorough internal complaints procedure which ensures all complaints are handled promptly and fairly. 


Complaints handling procedures

Please note: These service standards do not apply where we have been able to resolve your complaint and issued a Summary Resolution Communication by close of business on the third business day following its receipt.

We will send you written acknowledgement of your complaint within five business days of its receipt, giving
the name or job title of the individual handling the complaint for us (together with these details of our
complaint handling procedures).

If we are able to complete our investigation of your complaint and provide a final response within five
business days of receipt of your complaint we will include our findings in our acknowledgment letter.

A final response is a written response from us which:

  • Accepts your complaint and, where appropriate, offers redress OR
  • Offers redress without accepting the complaint OR
  • Rejects your complaint and gives reasons for doing so


Our final response letter will inform you that, if you are an eligible complainant and you remain dissatisfied
with our response, you may refer your complaint to the Financial Ombudsman Service (FOS) but that you
must do so within six months.

You can contact the FOS by telephone on 0800 0234 567 (free from a landline) or by email to
complaint.info@financial-ombudsman.org.uk. Further information is available at https://www.financial-ombudsman.org.uk/.

If we are not in a position to investigate and respond within five days we will first send you the
acknowledgement letter referred to above and then, within four weeks of receiving your complaint, send you either:

  • A final response OR
  • An interim response, which explains why we are not yet in a position to resolve your complaint and
    indicates when we will make further contact (which must be within eight weeks of receipt of your
    complaint)


If we have sent you an interim response, we will, by the end of eight weeks after receipt of your complaint,
send you either:

  • A final response OR
  • A response which:
    • Explains that we are still not in a position to make a final response, giving reasons for the
      delay and indicating when we expect to be able to provide a final response
    • Informs you that you may refer your complaint to the FOS if you are dissatisfied with the
      delay and encloses a copy of the FOS's explanatory leaflet


You may accept our response in writing at any time during this process, even if we have not yet issued a final response.

Access to the FOS is not available to some, mainly larger, companies (for example those with turnover over €2 million); if we know that a complainant is not eligible to refer to the FOS we will not refer to the
Ombudsman in our correspondence but we will explain how their complaint could be progressed if they
remain dissatisfied with the resolution which we offer.

We undertake to treat all complainants equally and fairly regardless of whether or not they are entitled to
refer to the FOS.

If the matter to which your complaint relates is the responsibility of another firm (for example an insurer), we will pass details to them, in writing, within five business days of receipt of your complaint and write to you to advising you of this.


Unable to resolve your complaint?

If You are dissatisfied with our response you can raise the matter with the Complaints Team at Lloyd's

Write to: Lloyd’s Complaints, Fidentia House, Walter Burke Way, Chatham Maritime, Chatham, Kent, ME4 4RN, United Kingdom

Phone: +44 (0) 207 327 5693

Email: complaints@lloyds.com

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