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We are an innovative insurtech, headquartered in Dublin, Ireland and are regulated by the Central Bank of Ireland (CBI). By offering fast and fully customised solutions that serve as safety nets in situations that don't go as planned, we enhance our customers' digital lifestyle, when they need it most: At anytime, on their favourite online platforms. As a well-funded corporate venture with a startup mindset, we combine the best of both worlds, combining classic products with lifestyle solutions, hassle-free and entirely digital.

Companjon Minute Match offers you compensation in case your flight is delayed. With Minute Match added to your ticket, you will be entitled to £1 for every minute between your scheduled departure time and when your flight actually takes off. We track your flight status and will contact you automatically 90 minutes after your expected departure time if you are eligible for compensation. This means you don't have to do anything to claim your compensation apart from provide us with your payment details, making your life easier! Minute Match does not apply to flights which have been delayed by less than 15 minutes. The maximum delay covered is 90 minutes.

Unless agreed otherwise, the law that will apply to this insurance contract will be the law applicable in your country of residence. All communication and documentation in relation to this policy will be in an official language of those countries of residence. In the event of a dispute concerning this policy, the courts of your country of residence as provided shall have exclusive jurisdiction. Where this information was incorrectly provided, we reserve the right to apply the jurisdiction of the courts of Germany.

Minute Match compensates £1 for every minute your flight departure is delayed over 15 minutes up to a maximum of 90 minutes.

Flights are eligible for Minute Match cover if they meet all of the following;

- Departure or Arrival airport is in the UK

- Purchase of the cover is at least 7 days before the scheduled departure time

- Flight was purchased with a Novus card

- Direct flights

If your flight is delayed by less than 15 minutes after its scheduled departure time, you will not be compensated.

The Minute Match covers delays up to a maximum of 90 minutes, if your flight is delayed longer than this, you will not receive additional compensation beyond £90.

Only flights purchased using your Novus card can have Minute Match cover added. You can add Minute Match cover to any eligible ticket within the Novus app at least 7 days before your flight is due to depart. When you buy your flight(s) using your Novus account, you should receive a notification on the app inviting you to add Minute Match to your flight. Through the Novus app, you can go ahead and purchase Minute Match cover for your ticket and voila! You are covered!

Yes!

If you purchase a ticket for someone else using your Novus card and their flight meets the eligibility criteria listed below, you can add Minute Match cover to their ticket on their behalf. As you will be the policyholder, it is important to know that any changes or policy requests must be approved by you. If you wish to allow the insured traveller to make changes to the policy, please let us know [insert link to contact us] and we will be happy to note this.

There are some eligibility criteria which must be met in order to add Minute Match cover to your flight. These include:

- Your Departure or Arrival airport must be in the UK

- The cover must be purchased at least 7 days before your scheduled departure time

- You must have purchased your flight(s) with your Novus card

- Your flight must be a direct flight

Unfortunately, if you are unable to see the option to add Minute Match to your purchase, you do not meet one or more of the above conditions. We totally appreciate that you would love to include this cover and that this may be disappointing to hear. While this may not be available now, we are growing fast and hope to provide this service to more people soon.

If you think you meet the criteria above but are having issues with purchasing a policy, please contact us and we will be happy to look into this for you.

Yes. Regardless of why your flight was delayed, Minute Match has you covered.

The cover ends 90 minutes after your scheduled departure time. Any further delay to your departure time after 90 minutes is not entitled to compensation.

Yes! It is only possible to add Minute Match cover to your flight after you purchased the tickets through your Novus account and you meet the eligibility criteria [insert link].

So long as your new flight details are updated in your Novus app and your originally scheduled flight time has not passed, your cover will apply to the updated flight. If this is not the case, please contact us and we will be happy to help.

Minute Match cover currently can compensate a maximum delay of 90 minutes only. There is no option yet to increase the time that you are covered for however we are always working on improving our products so watch this space.

Policy

When you purchase Minute Match cover, we will automatically send a policy confirmation directly to the email address registered on your Novus account. You should therefore be able to find your policy in your email inbox. Be sure to check your spam folder as sometimes it can end up there depending on your email settings. If you are still having issues with finding your policy confirmation, please contact us here and we will be happy to resend your documentation.

Contact us through the available channels here and we will happy to assist you.

Yes! You will automatically receive a confirmation email with your updated policy details after a change has been made to your policy. If you do not receive this confirmation email, please get in touch by clicking here.

We're sorry to hear that you want to cancel your policy. So long as your Minute Match is subject to a 14-day ‘cooling-off’ period within which you may be able to cancel your policy and obtain a full refund.  If you want to cancel a policy within the cooling-off period, you can do so via your membership or by contacting us and we will refund your premium. The above cancellation rights do not apply if there are fewer than 28 days between the time of purchase until the start date of cover. If your policy is successfully cancelled, you will not be covered for travel delay under the Minute Match policy.

You will receive an email from us with directions on how to provide your payment details and receive your refund.

We will need to hear directly from the policyholder in order to make any changes or cancel a policy.

We avoid cancelling policies unless it is absolutely necessary. There are a few reasons why we may have cancelled your policy which include;

- You have requested a change which would impact your eligibility for coverage. [INSERT LINK TO ELIGIBILITY]

- Your flight was cancelled which automatically triggered a cancellation and full refund of your Companjon policy.

If your solution is within the cooling off period [INSERT LINK TO CAN I CANCEL MY POLICY AT ANYTIME ARTICLE] and our customer service team have confirmed that you are eligible for a refund and processed a cancellation of your policy, then yes! After we cancel the policy on our end, you will receive an email on how to receive your refund.

We're sorry to hear that your flight has been cancelled. When the cancellation is made by the airline, a full refund including the cost of your Companjon policy is issued back to you by Novus and your policy is automatically cancelled.

If you do not receive your refund within the timeframe indicated by Novus you can reach out to them here. [INSERT LINK TO BP CONTACT PAGE]

My Account

When you purchase a Companjon policy, you will receive an email containing important details around your cover and a receipt. By following the link provided in this email, you will be guided to create a Companjon account to access your policy details.

Please contact us here and we will be happy to assist you.

You can change your account details by logging in going to 'My Account' and selecting 'Settings'.

It is not possible to have more than one account with the same email address. However, it is possible to set up a second account using an alternative email address if you wish to separate your policies.

Claims

A claim is the request for compensation that is made when an incident happens that is covered under the terms of your policy. This is known as an "event". We make every effort to make this as hassle free for you as this as possible, we understand that when life happens, the last thing you want to do is fill out endless forms.

Nothing at all! So long as you have Minute Match cover and your flight was delayed by over 15 minutes, a claim will be automatically initiated under your policy and the cover will be applied. Our claims process is so efficient that you should receive an email within a few minutes confirming if you are entitled to compensation per the terms of your policy and you will receive the payment into your Novus account.

If you receive a message from us confirming that you are entitled to compensation under your Minute Match policy, the payment will be automatically issued to your Novus account.

Our customer service team are ready to help you, just contact us here.

Data

Our Privacy Notice explains to you how we collect, use, share and retain your personal data, as well as outlining our obligations in processing your personal data and details on your privacy rights. In order to understand how we process and protect your personal data, please refer to our Privacy Notice.

We value your "Right to be forgotten" in line with GDPR. To request this, contact us here and we will ensure that all your personal data we had saved gets deleted. If you would also like your data to be deleted with our partner whom you did your original purchase with, make sure to let them know as well, as we can only delete any data that is with us.

Contact Us

If you're having trouble finding the answers you need in our FAQs you can contact us via:

Chat: We recommend to use this channel if you have a urgent question to ask and need a quick reply. Our team are available via Chat every day from 9AM to 5PM GMT.

Contact Form: Perfect for contacting us outside of our customer service team's opening hours. While not as quick as our chat, we will make sure to contact you back via email within 24 hours.

We are committed to providing the highest level of service you however sometimes things can go wrong and there may be occasions where you feel our service has let you down. As a valued customer you have the right to complain. You can submit your complaint either via chat, contact form or in writing to Companjon, Custom House Plaza, Harbourmaster Place, IFSC, Dublin 1, D01V9V4.

We promise to acknowledge your complaint within 5 business days of receipt and will provide you with information regarding next steps. You can read more about how our complaints process works in the terms and conditions of your policy.

Contact us

We're here to support you seven days a week from 8AM-5PM CEST via live chat. Alternatively, fill out the form below and we will be in touch within 24 hours.