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Terms, conditions, limits and exclusions apply. Please refer to the Policy Wording. Policies are underwritten by Opportuna Insurance PCC Limited - International Risks Cell, a Protected Cell Company (PCC), licensed in the Bailiwick of Guernsey, authorised and regulated by the Guernsey Financial Services Commission (GFSC) under registration number 2690930. Share capital in International Risks Cell is 100% subscribed to Hotspot Cover DAC, is a Designated Activity Company, registered in Ireland (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.