When you buy holiday insurance from Guest First, your policy will be underwritten by Travel Insurance Facilities.

Travel Insurance Facilities Group (TIF) was founded in August 1996 and manages the UK and Ireland Branch office of German Insurer, Union Reiseversicherung AG (URV), part of Germany's largest banking group, Versicherungskammer Bayern Group (VKB Group) with 570 regional companies, 19,000 local agencies and a 38 percent share of the German Market.

TIF is a member of the Financial Ombudsman Service (FOS), which gives all policyholders full access to the FOS. You'll find your policy wording to be transparent on how a complaint can be made and how it can be referred to the FOS. Furthermore, TIF pays an annual levy to the Financial Services Compensation Scheme (FSCS) in the UK to provide all policyholders with complete financial protection.