Regulatory Statements
'Gardner Financial Services is a trading name of GFS(Moray) Ltd which is authorised and regulated by the Financial Conduct Authority.'
The guidance and / or advice contained within the website is subject to the UK regulatory regime and is therefore primarily targeted to customers in the UK.
To visit the FCA consumer website - The Money Advice Service - please click here
To verify our status with the FCA, click here and key in our FCA number: 432976

Gardner Financial Services

Telephone: 01309 675757

Gardner Financial Services

Free Spirit Travel Insurance

Specialist travel insurance for people with medical conditions & disabilities limits.

Gardner Financial Services have teamed up with Free Spirit to provide a specialist travel insurance policy which covers medical conditions and disabilities.


Key features of Free Spirit

  • For people of ALL ages
  • Most medical conditions covered
  • Single Trip & Annual Multi-trip
  • Choice of cover options
  • Reduced premiums for travelling companions

* included with Super Duper cover only.

  • Financial failure*
  • Journey disruption / Airspace closure*
  • Over 80 activities automatically included
  • Optional cover for winter sports
  • 24 hour medical emergency helpline

How to apply for a quote & cover

Call 0845 230 5000 quoting  GAR1066

Free Spirit has a dedicated UK based customer service team to answer any questions and deal with your enquiries. Opening hours are 8am - 6pm Monday to Friday (closed Bank Holidays) and your call will be treated with the utmost confidentiality.

Alternatively, you can get a quote & buy online saving £10 by clicking on this link.

Please note, when you telephone or visit the website you will be dealing with Free Spirit.

Providing a solution

Providing cover for people with existing medical conditions is what Free Spirit is all about.

Many standard travel insurance schemes exclude cover for existing medical conditions or will decline to offer cover for the declared condition. This can lead to people travelling abroad without adequate cover and risking large medical bills.

Free Spirit  was the first scheme of its type specifically dedicated to those being declined cover elsewhere due to their health. It is now one of the UK's largest specialist travel insurance schemes for people with existing medical conditions and disabilities.

It's sophisticated rating and database of medical conditions enables Free Spirit to provide quotations for the vast majority of cases. In the last 15 years, Free Spirit has helped tens of thousands of people to obtain cover for their travels.

Peace of Mind

By covering medical condition(s), Free Spirit gives people the protection they need when they travel abroad. Also, if cover is arranged as soon as the holiday is booked, there will be immediate protection should the trip need to be cancelled (terms and conditions apply of course!).

Why insure your travelling companions on the same policy?

Free Spirit also covers people without existing medical conditions which means you can insure your travelling companions on the same policy. As well as reduced premiums for those without medical conditions, you will ensure there are no gaps in cover that could arise if separate policies are purchased. For example, if you had to cancel your holiday due to your medical condition, your travelling companions on the same policy would also be covered for cancellation which may not be the case if they had taken out a policy elsewhere.


Travel insurance is provided through Free Spirit. Terms and conditions apply.

Free Spirit is a trading name of travel insurance specialists: P J Hayman & Company Limited who are authorised and regulated by the Financial Conduct Authority (FCA register number 497103). Registered office: Stansted House, Rowlands Castle, Hampshire PO9 6DX. Registered in England No. 2534965.