014Travelinsurance.com Platinum

Section A - Medical and other expenses
This applies to silver cover, gold cover and platinum cover
If You go into hospital, You must tell Global Response Assistance Services immediately.
What You are covered for
We will pay up to the Overall Limit shown on the inside cover for the following for necessary and reasonable costs as a result of You being injured or ill during Your Trip.
1. Emergency medical, surgical and hospital treatment. (Emergency dental treatment is covered up to £200 as long as it is to immediately relieve pain only.)
2. Up to £2,500 for either the cost of returning Your body or ashes to the United Kingdom or Channel Islands, or for the cost of a funeral in the country where You die if this is different from the country where You normally live.
3. Extra accommodation and travel expenses to allow You to return to the United Kingdom or Channel Islands if You cannot return as You originally booked provided this has been approved by Us.
a. Extra accommodation for someone to stay with You and travel Home with You, if this is necessary due to medical advice, and authorised by Global Response Assistance Services.
b. Or expenses for one Relative or friend to travel from the United Kingdom or Channel Islands to stay with You and travel Home with You, if this is necessary due to medical advice, and authorised by Global Response Assistance Services.
4. The extra cost for You to return Home following the death, serious injury or serious illness of a Relative or business colleague.
Section B - Sending You Home in an emergency
This applies to silver cover, gold cover and platinum cover
What You are covered for
We will pay up to the Overall Limit shown in the Schedule of Benefits to return You to the United Kingdom or Channel Islands if Global Response Assistance Services think this is medically necessary, and they arrange this for You.
Special exclusions which apply to sections A and B
What You are not covered for (applying to sections A and B)
We will not cover the following.
1. The first £75 of each claim, for each person.
2. Any treatment or surgery which Global Response Assistance Services thinks is not immediately necessary and can wait until You return Home.
3. Any expenses for treatment or surgery carried out more than 12 months after the date of the incident which You are claiming for.
4. The extra cost of single-or private-room accommodation unless it is medically necessary.
5. Any treatment or medication of any kind that You receive after You return to the United Kingdom or Channel Islands.
6. Any claim arising for costs You incur, if You are travelling to a European country participating in a reciprocal health agreement with the United Kingdom and You do not carry a EHIC.
7. Any claim arising for costs You incur, if You are travelling to Australia or New Zealand and You do not register for treatment under the national Medicare scheme or the reciprocal health agreement applicable in those countries.
8. Any extra costs after the time when, in Our medical advisor's opinion, You are fit to be returned to the United Kingdom or Channel Islands.
9. Losses arising under Sections A or B if, in the event expenses are likely to exceed £500 per person, and the consent of Global Response Assistance Services is not obtained before additional expenses are incurred.
10. Any costs arising directly or indirectly from You participating in any Hazardous Sports & Leisure Activities or engaging in manual work.
11. for treatment or services provided by a health spa, convalescent or nursing home or any rehabilitation centre;
12. for expenses incurred as a result of a tropical disease where you have not had the recommended inoculations and/or taken the recommended medication;
13. for taxi fares not considered medically necessary, and where receipts have not been provided;
14. for telephone expenses;
Please read the general conditions and exclusions.

Section C - Personal Accident
This applies to silver cover, gold cover and platinum cover
What You are covered for
We will pay You or Your estate up to the Overall Limit shown in the Schedule of Benefits, if you suffer bodily injury as a result of an Accident during Your Trip which causes:
1. Your death, or
2. permanent loss of one or more limbs by physical separation at or above the wrist or ankle, or
3. permanent loss of all sight in one or both eyes, or
4. Permanent and Total Disablement.
What You Are Not Covered For:
The Underwriter will not pay for the following in addition to the general exclusions in connection with claims made under section C:
1. any benefit where Your death, injury or loss does not occur within 180 days of the Accident
2. any benefit as a result of participating in a Hazardous Sport or Leisure Activity
3. any benefit if You cannot prove to the Underwriter that the Permanent Total Disablement has continued for 12 months from the date of the injury and in all probability will continue for the remainder of Your life
4. more than one lump sum under this section.
5. any claim for Total Disablement where You are over 64 years of age.
If You die, We will pay up to £5,000 (£1,000 for children aged under 16 years of age).
Please read the general conditions and exclusions.

Section J - Hospital benefit
This applies to gold cover and platinum cover only
What You are covered for
We will pay up to the Overall Limit shown in the Schedule of Benefits if, after an Accident or illness that is covered under section A (Medical and other expenses) of this insurance, You go into hospital as an in-patient outside the United Kingdom or Channel Islands. We will pay up to £10 for each complete 24-hour period.
Note: The amounts We will pay under this section are meant to help You pay extra expenses such as taxi fares and phone calls.
Please read the general conditions and exclusions.

Section A - Medical and other expenses
This applies to silver cover, gold cover and platinum cover
If You go into hospital, You must tell Global Response Assistance Services immediately.
What You are covered for
We will pay up to the Overall Limit shown on the inside cover for the following for necessary and reasonable costs as a result of You being injured or ill during Your Trip.
1. Emergency medical, surgical and hospital treatment. (Emergency dental treatment is covered up to £200 as long as it is to immediately relieve pain only.)

Section A - Medical and other expenses
This applies to silver cover, gold cover and platinum cover
If You go into hospital, You must tell Global Response Assistance Services immediately.
What You are covered for
We will pay up to the Overall Limit shown on the inside cover for the following for necessary and reasonable costs as a result of You being injured or ill during Your Trip.
1. Emergency medical, surgical and hospital treatment. (Emergency dental treatment is covered up to £200 as long as it is to immediately relieve pain only.)
2. Up to £2,500 for either the cost of returning Your body or ashes to the United Kingdom or Channel Islands, or for the cost of a funeral in the country where You die if this is different from the country where You normally live.

Section A - Medical and other expenses
This applies to silver cover, gold cover and platinum cover
If You go into hospital, You must tell Global Response Assistance Services immediately.
What You are covered for
We will pay up to the Overall Limit shown on the inside cover for the following for necessary and reasonable costs as a result of You being injured or ill during Your Trip.
1. Emergency medical, surgical and hospital treatment. (Emergency dental treatment is covered up to £200 as long as it is to immediately relieve pain only.)
2. Up to £2,500 for either the cost of returning Your body or ashes to the United Kingdom or Channel Islands, or for the cost of a funeral in the country where You die if this is different from the country where You normally live.

Section G - Personal Belongings, baggage and Money
This applies to gold cover and platinum cover only
What You are covered for
We will pay up to the Overall Limit shown in the Schedule of Benefits for the following.
G2 - Personal Money
We will pay for the following.
1. We will pay up to £150 for Platinum cover only or £100 for Gold cover only for the loss or theft of cash or traveller's cheques, if You can give Us evidence that You owned them and evidence of their value. (The most We will pay for children under 16 years of age is £50 for all areas of travel.)
Special exclusions which apply to section G
What You are not covered for
1. The first £50 of each claim for each sub-section, for each person.
2. Breakage of fragile articles (including china, glass, sculpture and video equipment) or sports equipment whilst in use.
3. Theft, loss of or damage to household goods, antiques, pedal cycles, motor vehicles or accessories, mobile telephones, Wintersports equipment, marine equipment and craft.
4. Wear and tear, loss of value, mechanical or electrical breakdown or damage caused by any process of cleaning, repairing or restoring, or damage caused by leaking powder or fluid carried within Your baggage.
5. Shortages due to mistakes or neglect.
6. Any loss or theft which You do not report to the police within 24 hours of discovering it and for which You do not get a written acknowledgement.
7. If Your belongings are delayed or held by any customs or other officials legally taking Your belongings.
8. Cash which You do not carry on Your person (unless it is held in a safety deposit box or safe that is not in Your hotel room or apartment).
9. Theft, loss or damage to Valuables not carried in Your hand baggage while You are travelling.
10. Theft, loss or damage to Valuable items left unattended in a motor vehicle, trailer or caravan.
11. Theft, loss of or damage to dentures, bridgework, corneal lenses, spectacles, sunglasses or artificial limbs or hearing aids.
12. Any item, Set or Pair worth more than £50 which You haven't got an original receipt or insurance valuation for before the loss.
13. Property You leave unattended in a public place.
14. Any loss, theft or damage to items carried on a vehicle roof rack.
15. Theft, loss or damage to baggage or Personal Belongings during a journey unless You report this to the carrier and get a property irregularity report at the time of the loss.
16. Damage caused to suitcases, holdalls or similar carriers unless You cannot use the damaged item.
17. Loss or theft of Personal Belongings or baggage while not in Your control or in the control of any person other than an airline or ferry company.
18. for loss, destruction, damage or theft of:
a) samples, merchandise, bonds, coupons, securities, tents, antiques, pictures, typewriters, telephones, televisions, pedal cycles, dinghies, glass or china, alcohol, perishable goods, musical instruments, stamps or documents, of any kind, boats and/or ancillary equipment, cigarettes or any other tobacco products, satellite navigation systems (GPS) and/or other accessories, Personal Digital Assistants (PDA's) and/or accessories, vehicles or vehicle accessories (other than wheelchairs and pushchairs only), computers/games consoles (including handheld consoles);
19. for mechanical breakdown, derangement or for breakage of fragile or brittle articles being transported by a carrier, unless the breakage is due to fire or other accident to the vessel, aircraft or vehicle they are being carried in;
20. for any property more specifically insured or recoverable under any other source;
21. for the cost of replacement locks;
22. for any loss of jewellery (other than wedding rings) while swimming, or partaking in any hazardous pursuits;
Please read the general conditions and exclusions.

Section E - Legal expenses
This applies to gold cover and platinum cover only
This section of cover is arranged and managed by Lexceteras Limited
What You are covered for:
Up to a maximum of £15,000 for your legal costs and expenses incurred to claim for compensation or damages if you are injured or you die during the period of your trip.
NOTE - Lexceteras Limited shall have control over the legal proceedings and the selection, appointment and control of a solicitor.
Special exclusions which apply to section E
We will not cover the following:
1) costs or expenses that Lexceteras Limited has not agreed to;
2) any claim not reported to Lexceteras Limited within 180 days after the event giving rise to the claim;
3) any claim against a travel agent, tour operator or carrier, Accommodation provider, Insurer or Insurers Agent, Lexceteras Limited or any other person insured under the same policy;
4) actions between members of the same family or household, or actions to enforce a judgement or legally binding decision;
5) any claim where Lexceteras Limited considers that your prospects of success in achieving a reasonable benefit are insufficient or where the cost of the action could be more than the settlement;
6) anything mentioned in the General Exclusions.

G3 - Passport and travel documents
We will pay for the following.
1. We will pay up to £300 for the cost of replacing Your passport, travel tickets, Green Cards and admission tickets for Platinum cover and up to £100 for Gold cover only.
Note: We provide cover for theft or loss from unattended motor vehicles, trailers or caravans under sub-section G1 only. We will only pay up to £100 for each person.
Special exclusions which apply to section G
What You are not covered for
1. The first £50 of each claim for each sub-section, for each person.
2. Breakage of fragile articles (including china, glass, sculpture and video equipment) or sports equipment whilst in use.
3. Theft, loss of or damage to household goods, antiques, pedal cycles, motor vehicles or accessories, mobile telephones, Wintersports equipment, marine equipment and craft.
4. Wear and tear, loss of value, mechanical or electrical breakdown or damage caused by any process of cleaning, repairing or restoring, or damage caused by leaking powder or fluid carried within Your baggage.
5. Shortages due to mistakes or neglect.
6. Any loss or theft which You do not report to the police within 24 hours of discovering it and for which You do not get a written acknowledgement.
7. If Your belongings are delayed or held by any customs or other officials legally taking Your belongings.
8. Cash which You do not carry on Your person (unless it is held in a safety deposit box or safe that is not in Your hotel room or apartment).
9. Theft, loss or damage to Valuables not carried in Your hand baggage while You are travelling.
10. Theft, loss or damage to Valuable items left unattended in a motor vehicle, trailer or caravan.
11. Theft, loss of or damage to dentures, bridgework, corneal lenses, spectacles, sunglasses or artificial limbs or hearing aids.
12. Any item, Set or Pair worth more than £50 which You haven't got an original receipt or insurance valuation for before the loss.
13. Property You leave unattended in a public place.
14. Any loss, theft or damage to items carried on a vehicle roof rack.
15. Theft, loss or damage to baggage or Personal Belongings during a journey unless You report this to the carrier and get a property irregularity report at the time of the loss.
16. Damage caused to suitcases, holdalls or similar carriers unless You cannot use the damaged item.
17. Loss or theft of Personal Belongings or baggage while not in Your control or in the control of any person other than an airline or ferry company.
18. for loss, destruction, damage or theft of:
a) samples, merchandise, bonds, coupons, securities, tents, antiques, pictures, typewriters, telephones, televisions, pedal cycles, dinghies, glass or china, alcohol, perishable goods, musical instruments, stamps or documents, of any kind, boats and/or ancillary equipment, cigarettes or any other tobacco products, satellite navigation systems (GPS) and/or other accessories, Personal Digital Assistants (PDA's) and/or accessories, vehicles or vehicle accessories (other than wheelchairs and pushchairs only), computers/games consoles (including handheld consoles);
19. for mechanical breakdown, derangement or for breakage of fragile or brittle articles being transported by a carrier, unless the breakage is due to fire or other accident to the vessel, aircraft or vehicle they are being carried in;
20. for any property more specifically insured or recoverable under any other source;
21. for the cost of replacement locks;
22. for any loss of jewellery (other than wedding rings) while swimming, or partaking in any hazardous pursuits;
Please read the general conditions and exclusions.

Section K - Piste closure
This applies to platinum cover only
(This applies for the period 15 December to 15 April only.)
What You are covered for
We will pay up to the Overall Limit shown in the Schedule of Benefits if, as result of not enough snow in Your pre-booked holiday resort, all lift systems are closed for more than 24 hours. We will pay for either:
1. the cost of transport to the nearest resort up to £20 for each full 24-hour period; or
2. up to £20 for each full 24-hour period if You are unable to ski and there is no other ski resort available.
Special conditions which apply to section K
It is a condition of the cover provided under this section that:
1. You get a written statement from the management of the resort confirming the reason for the closure and how long it lasted;
2. the pre-booked holiday resort where You are staying is at least 1000 metres above sea level; and
3. if You do buy this insurance within 14 days of the date You plan to leave and if You are aware of any reason that could cause You to claim under this section, We will not provide cover for You.
Please read the general conditions and exclusions.

Section K - Piste closure
This applies to platinum cover only
(This applies for the period 15 December to 15 April only.)
What You are covered for
We will pay up to the Overall Limit shown in the Schedule of Benefits if, as result of not enough snow in Your pre-booked holiday resort, all lift systems are closed for more than 24 hours. We will pay for either:
1. the cost of transport to the nearest resort up to £20 for each full 24-hour period; or
2. up to £20 for each full 24-hour period if You are unable to ski and there is no other ski resort available.
Special conditions which apply to section K
It is a condition of the cover provided under this section that:
1. You get a written statement from the management of the resort confirming the reason for the closure and how long it lasted;
2. the pre-booked holiday resort where You are staying is at least 1000 metres above sea level; and
3. if You do buy this insurance within 14 days of the date You plan to leave and if You are aware of any reason that could cause You to claim under this section, We will not provide cover for You.
Please read the general conditions and exclusions.

Section K - Piste closure
This applies to platinum cover only
(This applies for the period 15 December to 15 April only.)
What You are covered for
We will pay up to the Overall Limit shown in the Schedule of Benefits if, as result of not enough snow in Your pre-booked holiday resort, all lift systems are closed for more than 24 hours. We will pay for either:
1. the cost of transport to the nearest resort up to £20 for each full 24-hour period; or
2. up to £20 for each full 24-hour period if You are unable to ski and there is no other ski resort available.
Special conditions which apply to section K
It is a condition of the cover provided under this section that:
1. You get a written statement from the management of the resort confirming the reason for the closure and how long it lasted;
2. the pre-booked holiday resort where You are staying is at least 1000 metres above sea level; and
3. if You do buy this insurance within 14 days of the date You plan to leave and if You are aware of any reason that could cause You to claim under this section, We will not provide cover for You.
Please read the general conditions and exclusions.

Section L - Avalanche cover
This applies to platinum cover only
What You are covered for
We will pay up to the Overall Limit shown in the Schedule of Benefits for reasonable extra travel and accommodation expenses that You need to pay if Your pre-booked outward or return journey is delayed for more than 12 hours from Your scheduled arrival time because of an avalanche.
Special exclusion which applies to section L
What You are not covered for
1. Costs if You decide to move, if it is considered safe to remain in resort.
Special condition which applies to section L
It is a condition of the cover provided under this section that You get a written statement from the appropriate authority confirming the reason for the delay and how long it lasted.
Please read the general conditions and exclusions.

Section M - Ski hire
This applies to platinum cover only
What You are covered for:
We will pay £15 for each full 24-hour period for the costs of hiring other Ski Equipment.
We will pay up to £500 if:
1 The skis that You own are lost or delayed during Your Trip for over 12 hours.
2 The skis that You own are lost or damaged during the course of Your Trip.
It is a condition of the cover provided under this section that:
1 We take any payment made under this section from any claim under sub-section G1 (Personal Belongings and baggage) of this insurance.
What You are not covered for:
1 Any claim involving damage to Your skis where You do not bring them back to the United Kingdom or Channel Islands so We can inspect them.
2 Any theft or loss which You do not report to the police within 24 hours of discovering it and obtain a written acknowledgement.
3 Any theft, delay, loss of or damage to Personal Belongings or baggage while it is transported unless You report this, at the time, to the carrier and get a property irregularity report.
4 Any loss, seizure or confiscation by an authority.
5 Any claim arising from Your Ski Equipment being left unattended in a public place, in the custody of someone who does not have official responsibility or in an unattended motor vehicle.

Section M - Ski hire
This applies to platinum cover only
What You are covered for:
We will pay £15 for each full 24-hour period for the costs of hiring other Ski Equipment.
We will pay up to £500 if:
1 The skis that You own are lost or delayed during Your Trip for over 12 hours.
2 The skis that You own are lost or damaged during the course of Your Trip.
It is a condition of the cover provided under this section that:
1 We take any payment made under this section from any claim under sub-section G1 (Personal Belongings and baggage) of this insurance.
What You are not covered for:
1 Any claim involving damage to Your skis where You do not bring them back to the United Kingdom or Channel Islands so We can inspect them.
2 Any theft or loss which You do not report to the police within 24 hours of discovering it and obtain a written acknowledgement.
3 Any theft, delay, loss of or damage to Personal Belongings or baggage while it is transported unless You report this, at the time, to the carrier and get a property irregularity report.
4 Any loss, seizure or confiscation by an authority.
5 Any claim arising from Your Ski Equipment being left unattended in a public place, in the custody of someone who does not have official responsibility or in an unattended motor vehicle.

Wintersports
Skiing, land-skiing, mono-skiing, cross-country skiing, heli-skiing, off-piste skiing, snow boarding, ski boarding, snow mobile, sledging, luging, toboganning or ice skating.

Section G - Personal Belongings, baggage and Money
This applies to gold cover and platinum cover only
What You are covered for
We will pay up to the Overall Limit shown in the Schedule of Benefits for the following.
G1 - Personal belongings and baggage
We will pay for the following.
1. After taking off an amount for wear, tear and loss of value, We will pay for the loss, theft of or damage to property owned by You with a limit for any one item, Set or Pair of £150 for Platinum cover and £100 for Gold cover only.
2. After taking off an amount for wear, tear and loss of value, We will pay for loss, theft of or damage to valuable items that You own. We will pay up to £200 for Platinum cover only with a limit for any one item, Set or Pair of £150 for Platinum cover
3. We will pay up to £150 for Platinum cover only for buying essential items if Your baggage is delayed or lost during an outward journey for more than 24 hours. You must get written confirmation of the length of the delay and receipts for any items that You buy. We will take any payment We make for delayed baggage from the amount of any claim if Your baggage is permanently lost.

Section G - Personal Belongings, baggage and Money
This applies to gold cover and platinum cover only
What You are covered for
We will pay up to the Overall Limit shown in the Schedule of Benefits for the following.
G1 - Personal belongings and baggage
We will pay for the following.
1. After taking off an amount for wear, tear and loss of value, We will pay for the loss, theft of or damage to property owned by You with a limit for any one item, Set or Pair of £150 for Platinum cover and £100 for Gold cover only.
2. After taking off an amount for wear, tear and loss of value, We will pay for loss, theft of or damage to valuable items that You own. We will pay up to £200 for Platinum cover only with a limit for any one item, Set or Pair of £150 for Platinum cover
3. We will pay up to £150 for Platinum cover only for buying essential items if Your baggage is delayed or lost during an outward journey for more than 24 hours. You must get written confirmation of the length of the delay and receipts for any items that You buy. We will take any payment We make for delayed baggage from the amount of any claim if Your baggage is permanently lost.
Special exclusions which apply to section G
What You are not covered for
1. The first £50 of each claim for each sub-section, for each person.
2. Breakage of fragile articles (including china, glass, sculpture and video equipment) or sports equipment whilst in use.
3. Theft, loss of or damage to household goods, antiques, pedal cycles, motor vehicles or accessories, mobile telephones, Wintersports equipment, marine equipment and craft.
4. Wear and tear, loss of value, mechanical or electrical breakdown or damage caused by any process of cleaning, repairing or restoring, or damage caused by leaking powder or fluid carried within Your baggage.
5. Shortages due to mistakes or neglect.
6. Any loss or theft which You do not report to the police within 24 hours of discovering it and for which You do not get a written acknowledgement.
7. If Your belongings are delayed or held by any customs or other officials legally taking Your belongings.
8. Cash which You do not carry on Your person (unless it is held in a safety deposit box or safe that is not in Your hotel room or apartment).
9. Theft, loss or damage to Valuables not carried in Your hand baggage while You are travelling.
10. Theft, loss or damage to Valuable items left unattended in a motor vehicle, trailer or caravan.
11. Theft, loss of or damage to dentures, bridgework, corneal lenses, spectacles, sunglasses or artificial limbs or hearing aids.
12. Any item, Set or Pair worth more than £50 which You haven't got an original receipt or insurance valuation for before the loss.
13. Property You leave unattended in a public place.
14. Any loss, theft or damage to items carried on a vehicle roof rack.
15. Theft, loss or damage to baggage or Personal Belongings during a journey unless You report this to the carrier and get a property irregularity report at the time of the loss.
16. Damage caused to suitcases, holdalls or similar carriers unless You cannot use the damaged item.
17. Loss or theft of Personal Belongings or baggage while not in Your control or in the control of any person other than an airline or ferry company.
18. for loss, destruction, damage or theft of:
a) samples, merchandise, bonds, coupons, securities, tents, antiques, pictures, typewriters, telephones, televisions, pedal cycles, dinghies, glass or china, alcohol, perishable goods, musical instruments, stamps or documents, of any kind, boats and/or ancillary equipment, cigarettes or any other tobacco products, satellite navigation systems (GPS) and/or other accessories, Personal Digital Assistants
(PDA's) and/or accessories, vehicles or vehicle accessories (other than wheelchairs and pushchairs only), computers/games consoles (including handheld consoles);
19. for mechanical breakdown, derangement or for breakage of fragile or brittle articles being transported by a carrier, unless the breakage is due to fire or other accident to the vessel, aircraft or vehicle they are being carried in;
20. for any property more specifically insured or recoverable under any other source;
21. for the cost of replacement locks;
22. for any loss of jewellery (other than wedding rings) while swimming, or partaking in any hazardous pursuits;
Please read the general conditions and exclusions.

Section G - Personal Belongings, baggage and Money
This applies to gold cover and platinum cover only
What You are covered for
We will pay up to the Overall Limit shown in the Schedule of Benefits for the following.
G1 - Personal belongings and baggage
We will pay for the following.
1. After taking off an amount for wear, tear and loss of value, We will pay for the loss, theft of or damage to property owned by You with a limit for any one item, Set or Pair of £150 for Platinum cover and £100 for Gold cover only.
2. After taking off an amount for wear, tear and loss of value, We will pay for loss, theft of or damage to valuable items that You own. We will pay up to £200 for Platinum cover only with a limit for any one item, Set or Pair of £150 for Platinum cover
3. We will pay up to £150 for Platinum cover only for buying essential items if Your baggage is delayed or lost during an outward journey for more than 24 hours. You must get written confirmation of the length of the delay and receipts for any items that You buy. We will take any payment We make for delayed baggage from the amount of any claim if Your baggage is permanently lost.
Special exclusions which apply to section G
What You are not covered for
1. The first £50 of each claim for each sub-section, for each person.
2. Breakage of fragile articles (including china, glass, sculpture and video equipment) or sports equipment whilst in use.
3. Theft, loss of or damage to household goods, antiques, pedal cycles, motor vehicles or accessories, mobile telephones, Wintersports equipment, marine equipment and craft.
4. Wear and tear, loss of value, mechanical or electrical breakdown or damage caused by any process of cleaning, repairing or restoring, or damage caused by leaking powder or fluid carried within Your baggage.
5. Shortages due to mistakes or neglect.
6. Any loss or theft which You do not report to the police within 24 hours of discovering it and for which You do not get a written acknowledgement.
7. If Your belongings are delayed or held by any customs or other officials legally taking Your belongings.
8. Cash which You do not carry on Your person (unless it is held in a safety deposit box or safe that is not in Your hotel room or apartment).
9. Theft, loss or damage to Valuables not carried in Your hand baggage while You are travelling.
10. Theft, loss or damage to Valuable items left unattended in a motor vehicle, trailer or caravan.
11. Theft, loss of or damage to dentures, bridgework, corneal lenses, spectacles, sunglasses or artificial limbs or hearing aids.
12. Any item, Set or Pair worth more than £50 which You haven't got an original receipt or insurance valuation for before the loss.
13. Property You leave unattended in a public place.
14. Any loss, theft or damage to items carried on a vehicle roof rack.
15. Theft, loss or damage to baggage or Personal Belongings during a journey unless You report this to the carrier and get a property irregularity report at the time of the loss.
16. Damage caused to suitcases, holdalls or similar carriers unless You cannot use the damaged item.
17. Loss or theft of Personal Belongings or baggage while not in Your control or in the control of any person other than an airline or ferry company.
18. for loss, destruction, damage or theft of:
a) samples, merchandise, bonds, coupons, securities, tents, antiques, pictures, typewriters, telephones, televisions, pedal cycles, dinghies, glass or china, alcohol, perishable goods, musical instruments, stamps or documents, of any kind, boats and/or ancillary equipment, cigarettes or any other tobacco products, satellite navigation systems (GPS) and/or other accessories, Personal Digital Assistants
(PDA's) and/or accessories, vehicles or vehicle accessories (other than wheelchairs and pushchairs only), computers/games consoles (including handheld consoles);
19. for mechanical breakdown, derangement or for breakage of fragile or brittle articles being transported by a carrier, unless the breakage is due to fire or other accident to the vessel, aircraft or vehicle they are being carried in;
20. for any property more specifically insured or recoverable under any other source;
21. for the cost of replacement locks;
22. for any loss of jewellery (other than wedding rings) while swimming, or partaking in any hazardous pursuits;
Please read the general conditions and exclusions.

Section H - Cancelling and cutting short Your holiday.
This applies to gold cover and platinum cover only
What You are covered for
We will pay up to the Overall Limit shown in the Schedule of Benefit for travel and accommodation expenses that You have paid or have agreed to pay under a contract and which You cannot get back if it is necessary and unavoidable for You to cancel or cut short Your Trip as a result of the following.
1. Your death, illness or injury.
2. The death, injury or illness of a Relative, close Business Associate or a person with whom You have booked to travel or a Relative or friend living abroad with whom You plan to stay.
3. If You are called for jury service or as a witness or You are put in quarantine.
4. An Accident to a vehicle in which You were planning to travel which happens within seven days before the date You planned to leave which leaves the vehicle unusable (this applies to self-drive holidays only).
5. If You are a member of the armed forces or police, fire, nursing or ambulance services which results in You having to stay because of an emergency.
6. If You are made redundant as long as You are entitled to payment under the current redundancy payments law and that, at the time of booking Your Trip, You had no reason to believe that You would be made redundant.
7. If the police need You to stay after a fire, flood or burglary at Your Home within 48 hours before the date You planned to leave.
Special exclusions which apply to section H
What You are not covered for
1. The first £50 of each claim, for each person.
2. Any claim which results from depression, anxiety, mental strain, or a depressive illness of any type.
3. You not wanting to travel.
4. Any extra costs resulting from You not telling the holiday company as soon as You know You have to cancel Your holiday.
5. Cancelling or cutting short the Trip because of a medical condition or any illness related to a medical condition which You knew about or should have known about before the start of this insurance. This applies to You, a Relative, close Business Associate or person You are travelling with and any person You were depending on for the Trip.
6. The cost of Your original return Trip if this has already been paid and You need to cut short Your journey.
7. If You have to cut short Your Trip and do not return to the United Kingdom or Channel Islands.
8. If You cut short Your Trip and You have less than 25% of the Trip left.
9. If You have failed to have any recommended vaccines, inoculations or medications prior to Your Trip
10. If You have failed to get the relevant passport or visa
11. Your late arrival at the airport or port after check in or booking in time
12. Your personal financial circumstances, other than You being made redundant after the issue date of the Validation Certificate
13. Any claims arising directly or indirectly from the Cancellation or curtailment of travel arrangements in any way caused or contributed to by or on the order of any government, public or local authority including but not limited to any civil or federal aviation authority.
14. Loss of air passenger duty
15. Unused timeshare property, air miles or other promotions of this nature
16. Any unused portion of Your original tickets where repatriation has occurred.
Please read the general conditions and exclusions.

Section F - Missed departure
This applies to gold cover and platinum cover only
What You are covered for
We will pay up to the Overall Limit shown in the Schedule of Benefits for the reasonable extra costs of travel and accommodation You need if You cannot reach the original departure point of Your booked journey on the outward or return journey because Public Transport services fail or the vehicle in which You are travelling is directly involved in an Accident or breaks down.
Special conditions which apply to section F
It is a condition of the cover provided under this section that:
1. You must allow enough time to arrive at Your departure point at or before the recommended time;
2. You must get confirmation of the reason for the delay and how long it lasts from the appropriate authority; and
3. if Your claim relates to a vehicle breaking down, You must give Us evidence that the vehicle was properly serviced and maintained and that any recovery or repair was made by a recognised breakdown organisation.
Special exclusions which apply to section F
What You are not covered for
1. The first £50 of each claim, for each person.
2. any upgrade in accommodation
3. any claim arising as a result of You not having taken reasonable steps to complete the journey to the departure point on time
4. any claim, if the adverse weather, strike or industrial action was in existence or publicly declared before You started Your journey to the departure point
5. any claim in respect of mechanical breakdown or failure, if Your private motor vehicle, has not been properly serviced and maintained
6. any repair costs to Your private motor vehicle
7. any claims for vehicle breakdown or failure, which are not substantiated by a written report from a rescue service or garage.
Please read the general conditions and exclusions.

Section I - Abandoning Your holiday and travel delay
This applies to gold cover and platinum cover only
What You are covered for
We will pay up to the Overall Limit shown in the Schedule of Benefits if the start of Your pre-booked outward or return international journeys by aircraft, sea vessel or crosschannel train are delayed, due to circumstances outside Your control. You must be delayed by at least eight hours on each occasion.
Travel delay
We will pay £10 after each full eight-hour period of delay, as long as You eventually go on the Trip. We will pay up to £300 for Platinum cover only.
Abandonment
If it is necessary for You to have to cancel Your outward Trip as a result of a delay lasting more than 24 hours, We will pay an amount equal to the cost of Your Trip up to £3,000 less any amounts that We can get back for Platinum cover only or up to £750 for Gold cover only.
Special conditions which apply to Section I
It is a condition of the cover provided under this section that:
1. You must have checked in for Your Trip at or before the recommended time; and
2. You get a written statement from the appropriate transport company or authority confirming the reason for the delay and how long it lasted.
Please read the general conditions and exclusions.
Special exclusions which apply to section I
What You are not covered for:
1. Any claim that results from strikes or industrial action which were public knowledge before the start of Your Trip.
2. the first £50 per person of each and every claim for Abandonment.
3. compensation under both the 'travel delay' and 'abandonment' sections of this Policy.
4. any claims arising directly or indirectly from the delay of travel arrangements in any way caused or contributed to by or on the order of any government, public or local authority including but not limited to any civil or federal aviation authority.

Section I - Abandoning Your holiday and travel delay
This applies to gold cover and platinum cover only
What You are covered for
We will pay up to the Overall Limit shown in the Schedule of Benefits if the start of Your pre-booked outward or return international journeys by aircraft, sea vessel or crosschannel train are delayed, due to circumstances outside Your control. You must be delayed by at least eight hours on each occasion.
Travel delay
We will pay £10 after each full eight-hour period of delay, as long as You eventually go on the Trip. We will pay up to £300 for Platinum cover only.
Abandonment
If it is necessary for You to have to cancel Your outward Trip as a result of a delay lasting more than 24 hours, We will pay an amount equal to the cost of Your Trip up to £3,000 less any amounts that We can get back for Platinum cover only or up to £750 for Gold cover only.
Special conditions which apply to Section I
It is a condition of the cover provided under this section that:
1. You must have checked in for Your Trip at or before the recommended time; and
2. You get a written statement from the appropriate transport company or authority confirming the reason for the delay and how long it lasted.
Please read the general conditions and exclusions.
Special exclusions which apply to section I
What You are not covered for:
1. Any claim that results from strikes or industrial action which were public knowledge before the start of Your Trip.
2. the first £50 per person of each and every claim for Abandonment.
3. compensation under both the 'travel delay' and 'abandonment' sections of this Policy.
4. any claims arising directly or indirectly from the delay of travel arrangements in any way caused or contributed to by or on the order of any government, public or local authority including but not limited to any civil or federal aviation authority.

Section D - Personal liability
This applies to silver cover, gold cover and platinum cover
What You are covered for
We will pay up to the Overall Limit shown in the Schedule of Benefits, for Your legal liability inclusive of all associated legal fees and costs for any event which relates to an incident caused by You during the trip, which results in:
1. Accidental bodily injury to another person
2. loss or damage to property which does not belong to You or any member of Your family or travelling party and is not in Your or a member of Your family's or travelling party's custody or control.
Special exclusions which apply to section D
What You are not covered for
1. The first £250 of each claim, for each person.
2. Any liability arising from an injury or loss or damage to property:
a. owned by You, a member of Your family or household or a person You employ or
a member of Your travelling party; or
b. in the care, custody or control of You or of Your family or household or a person You employ or a member of Your travelling party
3. Any liability, injury, loss or damage:
a. to Your employees or members of Your family or household or a person You employ;
b. arising out of or in connection with Your trade, profession or business;
c. arising out of a contract You have entered into;
d. arising out of You owning, possessing, using or living on any land or in buildings;
e. arising out of You owning, possessing, or using mechanically propelled/motorised vehicles, bicycles, water craft or air craft of any description, animals, firearms, or weapons; or
f. arising out of any criminal, malicious or deliberate acts.
Any personal liability claim, which arises directly or indirectly, as a result of You participating in a Hazardous Sport or Leisure Activity.
Special conditions which apply to section D
It is a condition of the cover provided under this section that:
1. You must give Preferential Administration Services notice of any cause for a legal claim against You as soon as You know about it and send them any other documents relating to any claim unanswered; and
2. You must help Preferential Administration Services and give them all of the information they need to allow them to take action on Your behalf. You must not negotiate, pay, settle, admit or deny any claim unless You get Preferential Administration Services written permission.
3. If You are using a mechanical/motorised vehicle, make sure that you are adequately insured for third party cover, as You are not covered under this insurance.
Please read the general conditions and exclusions.
NOTE - If you are using a mechanical/motorised vehicle, make sure that you are adequately insured for third party cover, as you are not covered under this insurance.

What You are not covered for
12. Any item, Set or Pair worth more than £50 which You haven't got an original receipt or insurance valuation for before the loss.

General exclusions
We will not cover the following.
1. Any claim arising from or resulting from, a Trip that You take or, any person who Your travel depends on, if:
a. the claim relates to a medical condition or any illness related to a medical condition which You or they knew, or could have reasonably been expected to have known about before You bought this insurance;
b. You are travelling against medical advice;
c. You are travelling to receive medical advice or treatment;
d. You are on a hospital waiting list waiting for treatment; or
e. You have been given a terminal diagnosis.
You are not covered for anything directly or indirectly caused by:
2. a. War, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, civil commotion or uprising, blockade, military or usurped power
i) this exclusion will not apply to Section C - Personal Accident, Section A - Medical Expenses or Section J - Hospital Benefit, provided that the Insured Person suffering personal accident injury or illness has not participated in or conspired in such activities.
b. Any act of terrorism not involving the use or release of or threat thereof of any nuclear weapon or any chemical or biological agents:
i) this exclusion will not apply to Section C - Personal Accident, Section A - Medical Expenses or Section J - Hospital Benefit, provided that the Insured Person suffering personal accident injury or illness has not participated in or conspired in such activities.
ii) provided also that in the event of benefit being payable the maximum payable in respect of any one claim or series of claims arising from a single act of terrorism or series of acts of terrorism occurring within a 72 hour period is £2,500,000 in the aggregate.
c. Any act of terrorism involving the use or release of or threat thereof of any nuclear weapon or any chemical or biological agents;
d. Any loss, damage, cost or expense of any nature that results from or is in connection with anything mentioned in a), b) or c) above regardless of any other cause or event or sequence of events or any action taken in controlling, preventing or suppressing anything mentioned in a), b) or c) above;
You are responsible for proving why this Exclusion, in whole or in part, should not be applied. If any portion of this Exclusion is found to be invalid or unenforceable, the remainder of it will remain in force and effect.
3. Any claim arising as a result of your travel to a country or specific area or event to which the Travel Advice Unit of the Foreign and Commonwealth Office or the World Health Organisation has advised the public not to travel.
4. Any claim arising from or as a result of civil commotions or riots of any kind.
5. Loss, or damage to any property, or any loss, expense or liability arising from:
a. ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the burning of nuclear fuel; or
b. the radioactive, toxic, explosive or other dangerous properties of any explosive nuclear equipment or any part of it.
6. Any claim if You already have a more specific insurance covering this.
7. Loss, destruction or damage directly caused by pressure waves resulting from any aircraft or other flying object travelling at or above the speed of sound.
8. Any claim arising from You being in, or entering, or leaving any aircraft other than as a fare-paying passenger in a fully-licensed passenger-carrying aircraft.
9. Any claim arising as a result of you riding on a motorcycle, quad bike or any mechanically assisted cycle with an engine capacity in excess of 125cc and in any event if you fail to wear a crash helmet;
10. Any other loss connected to the event You are claiming for unless We specifically provide cover under this insurance.
11. Any claim arising directly or indirectly from Your financial problems.
12. Any claim arising directly or indirectly from You participating in any Hazardous Sports & Leisure Activities or engaging in manual work unless this has been accepted by Insure For Travel Limited.
13. Any claim resulting from the tour operator, airline or any other company, firm or person becoming insolvent, or being unable or unwilling to fulfil any part of their obligation.
14. Any claim arising or resulting from You being involved in any illegal or criminal act.
15. Racing of any kind (except on foot).
16. Winter sports (unless We provide cover as shown on Your Validation Slip).
17. Any claim arising or resulting from services or inter-services championships, or heats, or officially-organised practice, or training for these events, ski-jumping, ice hockey, or using skeletons or bobsleighs, canyoning, off-shore sailing, mountaineering (if this involves using ropes) or pot holing or any equipment used for these events.
18. Any claim arising or resulting from depression, anxiety, mental strain, depressive illness of any type, suicide or attempted suicide or injuring yourself deliberately or putting yourself in danger (unless You are trying to save a human life).
19. Any claim resulting from You being under the influence of or in connection with the use of alcohol or drugs.
20. any claim arising from pregnancy if you are more than 26 weeks pregnant at the start of or during your trip outside the UK, or if you are more than 32 weeks pregnant at the start of or during your trip within the United Kingdom;
21. any claim arising as a result of you driving a motor vehicle or riding a motorcycle, quad bike or any mechanically assisted cycle without an appropriate licence or when not insured under a motor insurance policy;
22. any claim for the cost of any elective (non emergency) treatment or surgery, including exploratory tests, which are not directly related to the illness or injury which necessitated your admittance into hospital;
23. any claim arising or resulting from you being involved in any malicious, reckless, illegal or criminal act.
24. This exclusion applies to sections D,E,F,G,H and I. We shall not be liable under this insurance for any claims in any way caused or contributed to by:
a. the failure of;
b. the fear of the failure of; or
c. the inability of;
any equipment or any computer programme to recognise, interpret correctly or process any date as its true calendar date or to continue to function correctly beyond that date.
25. Any claim arising for loss or damage of his property as if uninsured.
26. Any claim arising from wilful exposure to areas known to be infected with:
a. Severe Acute Respiratory Syndrome (S.A.R.S)
b. Avian Influenza, Asian Bird Flu, and / or H5N1
c. Or any other Influenza A virus of epidemic or pandemic proportions.

General exclusions
We will not cover the following
You are not covered for anything directly or indirectly caused by:
2. a. War, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, civil commotion or uprising, blockade, military or usurped power
i) this exclusion will not apply to Section C - Personal Accident, Section A - Medical Expenses or Section J - Hospital Benefit, provided that the Insured Person suffering personal accident injury or illness has not participated in or conspired in such activities.
b. Any act of terrorism not involving the use or release of or threat thereof of any nuclear weapon or any chemical or biological agents:
i) this exclusion will not apply to Section C - Personal Accident, Section A - Medical Expenses or Section J - Hospital Benefit, provided that the Insured Person suffering personal accident injury or illness has not participated in or conspired in such activities.
ii) provided also that in the event of benefit being payable the maximum payable in respect of any one claim or series of claims arising from a single act of terrorism or series of acts of terrorism occurring within a 72 hour period is £2,500,000 in the aggregate.
c. Any act of terrorism involving the use or release of or threat thereof of any nuclear weapon or any chemical or biological agents;
d. Any loss, damage, cost or expense of any nature that results from or is in connection with anything mentioned in a), b) or c) above regardless of any other cause or event or sequence of events or any action taken in controlling, preventing or suppressing anything mentioned in a), b) or c) above;
You are responsible for proving why this Exclusion, in whole or in part, should not be applied. If any portion of this Exclusion is found to be invalid or unenforceable, the remainder of it will remain in force and effect.

General exclusions
We will not cover the following
You are not covered for anything directly or indirectly caused by:
2. a. War, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, civil commotion or uprising, blockade, military or usurped power
i) this exclusion will not apply to Section C - Personal Accident, Section A - Medical Expenses or Section J - Hospital Benefit, provided that the Insured Person suffering personal accident injury or illness has not participated in or conspired in such activities.
b. Any act of terrorism not involving the use or release of or threat thereof of any nuclear weapon or any chemical or biological agents:
i) this exclusion will not apply to Section C - Personal Accident, Section A - Medical Expenses or Section J - Hospital Benefit, provided that the Insured Person suffering personal accident injury or illness has not participated in or conspired in such activities.
ii) provided also that in the event of benefit being payable the maximum payable in respect of any one claim or series of claims arising from a single act of terrorism or series of acts of terrorism occurring within a 72 hour period is £2,500,000 in the aggregate.
c. Any act of terrorism involving the use or release of or threat thereof of any nuclear weapon or any chemical or biological agents;
d. Any loss, damage, cost or expense of any nature that results from or is in connection with anything mentioned in a), b) or c) above regardless of any other cause or event or sequence of events or any action taken in controlling, preventing or suppressing anything mentioned in a), b) or c) above;
You are responsible for proving why this Exclusion, in whole or in part, should not be applied. If any portion of this Exclusion is found to be invalid or unenforceable, the remainder of it will remain in force and effect.

General exclusions
We will not cover the following.
You are not covered for anything directly or indirectly caused by:
24. This exclusion applies to sections D,E,F,G,H and I. We shall not be liable under this insurance for any claims in any way caused or contributed to by:
a. the failure of;
b. the fear of the failure of; or
c. the inability of;
any equipment or any computer programme to recognise, interpret correctly or process any date as its true calendar date or to continue to function correctly beyond that date.

General conditions
The following conditions apply to this insurance.
1. All Material Facts must be disclosed to the Underwriter at the time of taking out this Policy. Failure to do so, may result in the Underwriter's non-liability for claims. If You are in any doubt as to whether a fact is 'material', then for Your own protection, it should be disclosed. All information provided in purchasing this insurance, shall form the basis of the contract. You should keep a record (including copies of letters) of all information provided to Insure for Travel for the purpose of entering into this contract.
2. You must tell Us as soon as possible about any change in risk which affects Your Policy, including You, a person You are travelling with, a Close Business Associate or Relative receiving confirmation of a medical condition or currently being under medical investigation, change in the sporting or leisure activities You intend to participate in during Your Trip or any additional person(s) to be Insured under the Policy. We reserve the right to reassess Your Policy and premium after You have advised Us of any relevant information. If You do not advise Us of all the relevant information, then We may quote the wrong terms, reject or reduce Your claim, or Your Policy may become invalid.
3. We will not pay for any loss or damage caused as a result of You not acting in a reasonable way to look after Your property.
4. You must take all reasonable steps to get back any lost or stolen articles and You must help the authorities in their efforts to catch and prosecute any guilty people.
5. You must take all reasonable steps to avoid or reduce any loss which may mean that You have to make a claim under this insurance.
6. You must keep to all the terms, conditions and endorsements of this insurance. If You do not, We may turn down Your claim.
7. You must help Us recover any Money that We have paid from anyone or from other insurers (including the Department of Social Security) by giving Us all the details We need and by filling in any forms.
8. If You try to make a fraudulent claim or use any fraudulent means in trying to make a claim, all benefits under this Policy and premiums paid shall be forfeited and You may be prosecuted
9. The Underwriter may, at its own expense, take proceedings in Your name to recover compensation or secure an indemnity from any third party in respect of any loss or damage covered by this insurance and any amount recovered shall belong to the Underwriter.
10. You must give Preferential Administration Services all the documents they need to deal with any claim. You will be responsible for any costs involved in doing this.
11. You must keep any articles which are damaged and send them to Preferential Administration Services if they ask. You must pay any costs involved in doing this.
12. You must agree to have a medical examination. If You die, We are entitled to have a post mortem examination. You or Your legal representatives are responsible for any cost resulting from these examinations.
13. You must pay Us back, within one month of asking, any amounts that We have paid to You which are not covered by this insurance.
14. We will not cover You, if at the time of loss, damage or liability arising under this insurance there is any other insurance covering the same loss, damage or liability.
We will only pay Our share.
15. You must submit any claim to the Underwriter within 31 days of the incident.

Reciprocal Health Agreements
If you are a UK resident you are entitled to medical treatment which becomes necessary when temporarily visiting a European Union (EU)country free of charge or at a reduced cost by using the European Health Insurance Card (EHIC).
You can apply for an EHIC for your spouse/partner and any children up to the age of 16 (19 if they are in full time education) at the same time as applying for your own. Application forms are available from
your local post office or by calling 0845 606 2030. You will need to have the following information for everyone you are applying for:
- Name and date of birth
- NHS or national insurance (NI) number
In the event of a medical claim having been reduced by the use of a EHIC the excess under Section A
- Medical Expenses - shall be reduced to Nil.
Also, if you are travelling to Australasia there are reciprocal medical treatment arrangements for United Kingdom nationals. In-patient and out-patient public hospital treatment is given free of charge or at a minimal cost. Should you be admitted to hospital then immediate contact must be made with Global Response Emergency Service and their authority obtained in respect of any treatment not available under the reciprocal arrangements before such treatment is provided.