We purchased travel insurance for 6 upon arrival at our destination in france on 8th April. The payment went through no problems so we were covered, at least that's what we thought. On the 11th april, my little boy, whilst skiing, fell and broke his leg. He received medical treatment, we then start to ensure we can get him home through the insurance company, we were then told that because we were not in the UK at time of taking out the premium, (an unreasonable and unjustifiable term) he was not covered, add to this the company also stated that because we travelled within 14 days, we could not get a refund for our invalid premium. Our little boy is in tears of not being able to get home! Stay away from this company! Had we had known at the time of booking that the insurance would not be valid (simply because we were not in the uk) we would've gone with another company which would have insured us and be able to get our little boy home with no problems. We were told that it was on the eligibility policy, the BMC website itemise their eligibility, this website only itemized the medical history part, yet something that would otherwise invalidate a policy was not clearly highlighted. What's the difference between a fraudster and an insurance company? You know where you stand with a fraudster!