Free Spirit

What Free Spirit does

Free Spirit is a UK specialist travel-insurance brand arranged by P J Hayman & Company Limited (FCA Register #497103), itself a wholly owned subsidiary of CSP Holding Limited. The business targets travellers with pre-existing medical conditions and disabilities who are typically declined or charged surcharges by generalist insurers, spanning all ages with no upper age limit for most destinations. The product portfolio is built on two core policy formats (Single Trip and Annual Multi-trip) available in three coverage tiers (Standard, Super, Super Duper) and extended with specialty lines for cruise, Europe, family, senior, solo, UK-domestic and winter-sports trips. Underwriting is segmented across 50+ medical specialties (cancer, heart, respiratory, mental health, diabetes, bowel, brain and cerebral, bone and joint, disabilities, etc.), each with a dedicated SEO landing page, and includes 100+ activities as standard.

The technology stack is a web-based insurance platform with an online medical-screening module at quote.freespirittravelinsurance.com that generates instant quotes 24/7 and delivers digital policy documents, complemented by a UK-based telephone desk (02392 419 080) for cases that cannot be underwritten via the self-serve flow. Distribution is exclusively direct-to-consumer: no intermediaries, brokers or third-party channels. Customer acquisition relies on organic search around medical-condition keywords, a content blog, social media (Facebook, Instagram), a YouTube video-guide library, and email newsletter capture.

Free Spirit earns revenue as an insurance intermediary: percentage commission paid by insurers on total premium (with potential bonuses when profit targets are met) plus transaction-level fulfilment/admin fees on certain policy types. The company is privately held within CSP Holding Limited, has 11-50 employees, is headquartered in Rowlands Castle, Hampshire, and does not publicly disclose revenue or premium volume.

Name

Free Spirit

Legal name

P J Hayman & Company Limited

Website

https://freespirittravelinsurance.com

Company type

Private

Operating status

Operating

Headcount range

11–50 employees

Short description

Free Spirit is a UK specialist travel-insurance intermediary, arranged by P J Hayman & Company Limited, providing single-trip and annual cover for travellers of all ages with pre-existing medical conditions and disabilities across 50+ medical specialties.

Ownership category

akta.pro rank

Headquarters

HQ city

Rowlands Castle

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Personnel, Marketing or Sales, Technology or R&D, Others

Revenue model

1. Travel Insurance Premiums: Free Spirit earns revenue through the sale of travel insurance policies. The company offers three coverage tiers: Standard, Super, and Super Duper. Policies can be purchased as single-trip or annual multi-trip. Premiums are determined based on destination, trip duration, age, and medical conditions declared during screening.
2. Commission from Insurers: As an intermediary arranged by P J Hayman & Company Limited, Free Spirit earns commission from insurers. The Terms of Business document states 'When we sell you a policy the insurer pays us a percentage commission from the total premium.' Additional bonuses may be earned when profit targets are met.
3. Fulfilment Fees: According to the Terms of Business: 'certain types of policies also carry a fulfilment fee, which will be shown as an admin fee on your documents.' These administrative fees are charged on certain policy types.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels7 records

Core offering

Free Spirit is a UK-based travel insurance provider that specialises in cover for travellers with pre-existing medical conditions and disabilities. The policy is arranged and administered by P J Hayman & Company Limited, which operates as a wholly owned subsidiary of CSP Holding Limited.

Product overview

Free Spirit is a specialist travel insurance provider arranged by P J Hayman & Company Limited, offering a unified platform of travel insurance products designed specifically for travellers with medical conditions and disabilities. The portfolio includes two core product types (Single Trip and Annual Multi-trip Insurance) available in three coverage tiers (Standard, Super, and Super Duper), supplemented by specialty products for specific travel types (Cruise, Europe, Family, Senior, Solo, UK, Winter Sports). The offering is notable for its comprehensive medical condition coverage including cancer, diabetes, heart conditions, respiratory conditions, mental health, and disabilities, with 100 activities included as standard across all policies. The company provides online medical screening, instant quotes, and no upper age limit for most destinations.

Differentiator

Problem solved

Functional benefit

Products and services

• Free Spirit Travel Insurance

Quantifiable outcome

• 5-star Defaqto rating for Super Duper cover - independently verified as one of the highest quality offerings in the market

Named customers5 records

Segments4 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

One partnership is on record.

• P J Hayman & Company LimitedcoreChannel Partner/ Reseller/ DistributorFree Spirit is arranged by P J Hayman & Company Limited, an insurance specialist authorised and regulated by the Financial Conduct Authority (FCA). FCA Register Number: 497103. P J Hayman acts as the intermediary arranging Free Spirit policies with insurers, earning commission from insurers on each policy sold. P J Hayman is a wholly owned subsidiary of CSP Holding Limited.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Staysure: Staysure is a UK specialist travel insurer focused on older travellers and pre-existing medical conditions, selling through direct online and phone channels. It targets the same UK senior / chronic-condition customer that Free Spirit serves with its "no upper age limit" positioning.
• Insurancewith: Insurancewith is a UK specialist travel insurance provider focused on travellers with medical conditions, including cancer, HIV and pregnancy. It competes with Free Spirit for the same chronic-condition traveller with a comparable medical-screening-led quote flow.
• Columbus Direct: Columbus Direct is a long-standing UK direct-to-consumer travel insurance brand with online quoting and pre-existing medical screening. It competes for some of Free Spirit's UK leisure travellers, particularly those with disclosed but moderate medical conditions.
• Saga Travel Insurance: Saga is the UK's leading over-50s travel insurance brand, serving the same senior and pre-existing-condition traveller segments. While Saga's proposition is broader than medical specialism, it is a near-direct competitor for Free Spirit's senior no-upper-age-limit positioning.
• World2Cover: World2Cover is a UK travel insurance provider that covers pre-existing medical conditions and offers both single-trip and annual multi-trip policies. It is a comparable specialist intermediary targeting a similar medical-condition UK traveller with online quoting and telephone support.
• AllClear Travel Insurance: AllClear is the UK's largest specialist travel insurer for customers with pre-existing medical conditions, operating a very similar direct-to-consumer model with online medical screening and telephone underwriting. It is Free Spirit's closest head-to-head competitor across the same medical-condition niche.

Broad incumbents

• Post Office Travel Insurance: Post Office Travel Insurance is a mass-market UK travel insurance product underwritten by major insurers and sold via the Post Office brand. It overlaps Free Spirit on UK travel insurance but is a generalist rather than medical-condition specialist, often appearing alongside Free Spirit on price-comparison sites.
• LV= Travel Insurance: LV= is a UK mutual insurer offering travel insurance with declared pre-existing medical conditions covered as standard on many policies. It is a broader portfolio player that overlaps with Free Spirit on UK travel insurance, particularly for customers with simpler disclosed conditions.
• Aviva Travel Insurance: Aviva is a major UK general insurer offering travel insurance as part of a broad personal lines portfolio. It increasingly underwrites common pre-existing conditions and competes for the easier end of Free Spirit's addressable market while lacking the deep specialist medical underwriting.
• Direct Line Travel Insurance: Direct Line is one of the UK's largest general insurers and offers travel insurance with pre-existing medical condition cover through its standard product. It competes for mainstream UK travellers that Free Spirit targets and is a significant brand incumbent in the category.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/FreeSpiritCover
• Instagraminstagram.com/freespiritcover
• Xx.com/freespiritcover
• LinkedInlinkedin.com/company/free-spirit-travel-limited

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Free Spirit