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Terms of Business

The following section tells you about Thistle Insurance Services Limited, gives you important information about Terms of Business , and must be read in conjunction with the accompanying correspondence and documentation. We would recommend that you read it carefully and keep it with your insurance documents.

For policies incepted before 26th February 2018: how we deal with you and your caravan insurance

For policies incepted on and after 26th February 2018: Terms of Business

Who are we?

Thistle Insurance Services Limited (TISL) is authorised and regulated by the Financial Conduct Authority (FCA). This is the independent watchdog that regulates financial services, including insurance.

Our registered address is:

68 Lombard Street

but our day-to-day contact details are:

Tourer Select
Thistle Insurance Services Limited
Southgate House
Southgate Street

Telephone: 0345 071 1000
Fax: 01452 511481

Our FCA Registration Number is 310419.

You may check this information and obtain further information about how the FCA protects you by visiting its website or by calling 0800 111 6768.

Whose products do we offer?

We will only offer you an insurance product from the insurer named in the accompanying documents. We provide this under an agreement with them which allows us to provide you with a quotation, confirm cover and issue policy documents to you and in some instances settle claims, acting on their behalf.

We also collect your premium on their behalf, which we then hold as their agent.

Copies of policy documentation can be obtained by contacting us. They are also available on this website.

We review the position of the insurer periodically to ensure that they still meet the requirements of our customers and we are not contractually obliged to deal with them.

How are we meeting your needs?

We will ask you some questions (Important: see section headed "Information you provide to us") to ensure that your risk is suitable for insurers and make available any optional covers, however we won’t provide you with a specific personal recommendation.

This product is suitable for the owners of touring caravans or trailer tents wishing to insure against accidental loss or damage to the caravan or trailer tent, its accessories and contents, and liabilities which may arise through its ownership and use other than when it is being towed. You must make your own decision as to whether this insurance meets your own needs specifically.

Information that you provide to us

You must answer any questions we or insurers ask you in connection with your insurance truthfully and to the best of your knowledge and belief.


Premiums are normally quoted inclusive of UK Insurance Premium Tax at the prevailing rate; any other costs or fees will be detailed in your quotation.

How are we paid?

TISL is paid for its services principally by way of brokerage commission; this is a proportion of the premium you pay, allowed to us by the insurer and by any fees paid by you.

In addition We and/or other members of the Thistle group may receive:


We hope that you are happy with your policy. Please read it carefully to see it meets your needs. If not, you may have a right to cancel your insurance.

You have a statutory right to cancel your policy if it does not meet your requirements or for any other reason within 14 days of the date you receive your policy documents or the inception date whichever is the latest. If no claims have been made you will receive a full refund.

You may cancel after the 14 days have expired, however you will not automatically be entitled to any refund of premium. Insurers at their discretion may allow a refund of premium for any unexpired period of cover. No return of premium will be given in the event that any claim has been reported to Insurers.

Making a claim

If you need to make a claim please refer to the guidance in the relevant section of the policy wording. If you need any additional assistance please contact us.

Data protection

We collect and process personal data from you in accordance with the Data Protection Act 1998 (The Act). The personal data we may collect from you, such as your name, address, health, education, financial details and racial or ethnic origins, are necessary to provide you with our services. These include negotiating, maintaining or renewing (re)insurances, and handling (re)insurance claims. At times, the provision of our services may necessitate the transfer of your personal data outside the European Economic Area and/or the disclosure of the same to Thistle Group companies, insurers, partners, agents and professional advisers.

All countries in the European Economic Area, (EEA) including the UK, have similar standards of legal protection for your personal information. We may administer aspects of our relationship with you and provide other services from centres outside the EEA that may not have the same standard of data protection laws as the UK.

However, if we do, we will always have a contract in place to ensure that your personal information is protected at least to UK standards, and we will remain bound by our obligations under The Act.

The details you provide may also be used to update our records and those of companies within the Thistle Group so that we may provide you, from time to time, with risk or insurance-related information or details of services, or products, which we think, may be of interest to you.

Please advise us if you do not wish your information to be used in this manner.


We are a member of the Financial Services Compensation Scheme (FSCS). If we were ever to be unable to meet our obligations, you may be entitled to compensation from the scheme, depending on the type of insurance and circumstances of any claim.

Further information about compensation schemes arrangements is available from the FSCS at:

Financial Services Compensation Scheme :
10th Floor
Beaufort House
15 St Botolph Street

Telephone: 0800 678 1100 or 020 7741 4100


Guide to Terms of Business

(For policies incepted on and after 26th February 2018) Download a PDF explaining Thistle's relationship with you and your insurance. Download

How We Deal With You and Your Insurance

(For policies incepted before 26th February 2018) Download a PDF explaining Thistle's relationship with you and your insurance. Download

Policy Wording

Download a PDF of the policy wording. Download

Insurance Product Information

(For policies incepted on and after 26th February 2018) Download a PDF of the Insurance Product Information Document. Download

Policy Summary

(For policies incepted before 26th February 2018) Download a PDF of the policy summary. Download

Claim Forms

Download a PDF of the claim form. Download