Terms, conditions, limits and exclusions apply. Please refer to the Policy Wording. Policies are underwritten by Opportuna Insurance PCC Limited - Frank Risks Cell, which is authorised and regulated by The Guernsey Financial Services Commission (GFSC).Opportuna Insurance PCC Limited is a Protected Cell Company licensed in the Bailiwick of Guernsey (registration number 68684). Share capital in Cell Hotspot is 100% subscribed to Hotspot Cover DAC; a Designated Activity Company registered in Ireland (registration number 632153) authorised and regulated under part 16 of the Companies Act 2014.

Hotspot Cover is backed with reinsurance capacity by certain underwriters at Lloyd’s of London.