ACE Traveller - Budget

SECTION 6.MEDICAL AND ADDITIONAL EXPENSES (Maximum amount payable per Person Insured -UNLIMITED)
Cover under this Section only applies to Holidays Abroad.
IMPORTANT:THIS IS NOT PRIVATE MEDICAL INSURANCE.IF YOU REQUIRE MEDICAL TREATMENT YOU MUST CONTACT ACE ASSISTANCE IMMEDIATELY.IF YOU DO NOT DO THIS,ACE MAY REJECT YOUR CLAIM OR REDUCE ITS PAYMENT.IF YOU REQUIRE MEDICAL TREATMENT IN AUSTRALIA YOU MUST REGISTER FOR TREATMENT WITH MEDICARE.IF YOU DO NOT,WE MAY REJECT YOUR CLAIM OR REDUCE THE AMOUNT WE PAY YOU.IF YOU REQUIRE MEDICAL TREATMENT IN NEW ZEALAND YOU MUST ENSURE THAT,AS A UK RESIDENT AND BRITISH PASSPORT HOLDER,ANY TREATMENT YOU RECEIVE IS PROVIDED UNDER THE TERMS OF THE RECIPROCAL HEALTH AGREEMENT BETWEEN NEW ZEALAND AND THE UK.IF YOU DO NOT,WE MAY REJECT YOUR CLAIM OR REDUCE THE AMOUNT WE PAY YOU.
ACE Assistance -Medical Emergency and Referral/Personal Assistance Services (see beginning of this Policy and Part II)
You can call ACE Assistance for a range of medical related services when youre on a Holiday Abroad:
- payment of bills,and repatriation in medical emergencies
- replacement of lost drugs or other essential medication,prescription glasses or contact lenses
- sourcing and delivery of compatible blood supplies
- transmission of urgent messages to relatives or business associates
- organisation of the return home of a Child left unsupervised because you are in hospital or incapacitated
- the names and addresses of local doctors,hospitals,clinics and dentists for consultation or treatment
- to get a doctor to call
The comments contained in this box are intended to draw your attention to significant issues.They do not,in any way,form part of the contract.
Cover
If a Person Insured is injured or becomes ill during a Holiday Abroad,ACE will pay:
i.for medical,repatriation or travel expenses he or she incurs,including emergency dental or optical expenses. Medical expenses must be for necessary hospital,surgical or other diagnostic treatment,given or prescribed by a qualified medical doctor,and i include charges for staying in a hospital or nursing home.
Repatriation must be:
a)authorised by ACE Assistance;
b)necessary on medical grounds;and
c)to the United Kingdom,Isle of Man or the Channel Islands (if a Person Insured is resident in the Channel Islands).
ii.costs for additional travel and hotel expenses i including those for any one other person if a Person Insured has to be accompanied on medical advice or a Child needs to be escorted home.These must be authorised in advance by ACE Assistance.
iii.if a Person Insured dies,up to £5,000: a)for cremation or burial charges in the country in which he or she died;or
B.Exclusions (General Exclusions apply as well)
ACE will not pay:
any amount recovered under a National Health Service reciprocal agreement;
ii.for any treatment not confirmed as medically necessary;
iii.any expenses incurred in the Person Insured s country of residence;
iv.any additional travelling expenses not authorised by ACE Assistance if a Person Insured has to return home earlier than planned or be repatriated from a Holiday;
v.for medical treatment that a Person Insured travelled Abroad to obtain;
vi.for medication a Person Insured i s taking before and which he or she will have to continue taking during a Holiday;
vii.for surgery,medical or preventative treatment which can be delayed in the opinion of the qualified medical doctor treating a Person Insured until he or she returns to the United Kingdom,Isle of Man or the channel Islands (if a Person Insured is resident in the Channel Islands);
viii.any additional costs for single or private room accommodation;
ix.additional travel and hotel expenses incurred which have not been authorised in advance by ACE Assistance;
x.cremation or burial costs in the United Kingdom,Isle of Man or the Channel Islands (if a Person Insured is resident in the Channel islands);
b)to transport his or her body or ashes back to the United Kingdom,Isle of Man or the Channel Islands (if a Person Insured is resident in the Channel Islands),
Note:All original receipts must be kept and provided to support a Claim.
xi.the Excess,except where the Person Insured has obtained a reduction in the cost of medical expenses in European Union countries by using a European Health Insurance Card.

SECTION 5.PERSONAL ACCIDENT (Maximum payable £15,000 Accidental Death 1 £40,000 Permanent Total Disability per Person Insured)
DEFINITIONS The following words and phrases will have the same special meaning in this Section wherever they appear in bold italic type and commence with a capital letter.Additional Definitions appear in Sections 7,8 and 12 and General Definitions apply as well.
Word/Phrase Special Meaning
Bodily Injury physical injury that is caused by an Accident and within 24 months directly results in death,Loss of Sight,Loss of Limb or Permanent Total Disability.
Loss of Limb amputation or total and permanent loss of use of one or more hands at or above the wrist or of one or more feet above the ankle (talo-tibial joint).
Loss of Sight loss of sight: a.i n both eyes when the Person Insured s name has been added to the register of Blind Persons on the authority of a qualified ophthalmic specialist;b,i n one eye when the degree of sight remaining after correction is 3/60 or less on the Snellen Scale (which means the Person Insured is only able to see at 3 feet that which they should normally be able to see at 60 feet)and ACE is satisfied that the condition is permanent and without expectation of recovery.
Permanent Total disability which has lasted for at least 12 months from which ACE believe the Person Insured Disability will never recover and which prevents the Person Insured from carrying out gainful occupation for to which that Person Insured i s fitted by way of training,education or experience.
A.Cover
If a Person Insured receives a Bodily Injury during a Holiday ACE will pay up to:
I.£15,000 for death;or
Ii.£40,000 for Loss of Sight or Loss of Limb;or
iii.£40,000 for Permanent Total Disability.
ACE will not pay:
more than £7,500 if the Person Insured i s under 16 years of age at the time of the Bodily Injury
ii.more than one benefit for the same Bodily Injury,
iii.i f death,loss or disability is Due To:
a)a disease or any physical defect,injury or illness which existed before the Holiday;
b)pregnancy.

SECTION 7. HOSPITAL BENEFIT (Maximum benefit £400 per Person Insured)
Cover under this Section only applies to Holidays Abroad.
A. Cover If a Person Insured is a hospital in-patient during a Holiday and has a Claim under Part III Section 5 MEDICAL AND ADDITIONAL EXPENSES, ACE will pay a
benefit of £20 for each full 24 hours he or she spends in hospital up to a maximum of £400 for each Holiday
B. Exclusions (General Exclusions apply as well) ACE will not pay for time spent in an institution not recognised as a hospital in the country of treatment.

SECTION 6.MEDICAL AND ADDITIONAL EXPENSES (Maximum amount payable per Person Insured -UNLIMITED)
Cover under this Section only applies to Holidays Abroad.
IMPORTANT:THIS IS NOT PRIVATE MEDICAL INSURANCE.IF YOU REQUIRE MEDICAL TREATMENT YOU MUST CONTACT ACE ASSISTANCE IMMEDIATELY.IF YOU DO NOT DO THIS,ACE MAY REJECT YOUR CLAIM OR REDUCE ITS PAYMENT.IF YOU REQUIRE MEDICAL TREATMENT IN AUSTRALIA YOU MUST REGISTER FOR TREATMENT WITH MEDICARE.IF YOU DO NOT,WE MAY REJECT YOUR CLAIM OR REDUCE THE AMOUNT WE PAY YOU.IF YOU REQUIRE MEDICAL TREATMENT IN NEW ZEALAND YOU MUST ENSURE THAT,AS A UK RESIDENT AND BRITISH PASSPORT HOLDER,ANY TREATMENT YOU RECEIVE IS PROVIDED UNDER THE TERMS OF THE RECIPROCAL HEALTH AGREEMENT BETWEEN NEW ZEALAND AND THE UK.IF YOU DO NOT,WE MAY REJECT YOUR CLAIM OR REDUCE THE AMOUNT WE PAY YOU.
ACE Assistance -Medical Emergency and Referral/Personal Assistance Services (see beginning of this Policy and Part II)
You can call ACE Assistance for a range of medical related services when youre on a Holiday Abroad:
- payment of bills,and repatriation in medical emergencies
- replacement of lost drugs or other essential medication,prescription glasses or contact lenses
- sourcing and delivery of compatible blood supplies
- transmission of urgent messages to relatives or business associates
- organisation of the return home of a Child left unsupervised because you are in hospital or incapacitated
- the names and addresses of local doctors,hospitals,clinics and dentists for consultation or treatment
- to get a doctor to call
The comments contained in this box are intended to draw your attention to significant issues.They do not,in any way,form part of the contract.
Cover
If a Person Insured is injured or becomes ill during a Holiday Abroad,ACE will pay:
i.for medical,repatriation or travel expenses he or she incurs,including emergency dental or optical expenses. Medical expenses must be for necessary hospital,surgical or other diagnostic treatment,given or prescribed by a qualified medical doctor,and i include charges for staying in a hospital or nursing home.
Repatriation must be:
a)authorised by ACE Assistance;
b)necessary on medical grounds;and
c)to the United Kingdom,Isle of Man or the Channel Islands (if a Person Insured is resident in the Channel Islands).
ii.costs for additional travel and hotel expenses i including those for any one other person if a Person Insured has to be accompanied on medical advice or a Child needs to be escorted home.These must be authorised in advance by ACE Assistance.
iii.if a Person Insured dies,up to £5,000: a)for cremation or burial charges in the country in which he or she died;or
B.Exclusions (General Exclusions apply as well)
ACE will not pay:
any amount recovered under a National Health Service reciprocal agreement;
ii.for any treatment not confirmed as medically necessary;
iii.any expenses incurred in the Person Insured s country of residence;
iv.any additional travelling expenses not authorised by ACE Assistance if a Person Insured has to return home earlier than planned or be repatriated from a Holiday;
v.for medical treatment that a Person Insured travelled Abroad to obtain;
vi.for medication a Person Insured i s taking before and which he or she will have to continue taking during a Holiday;
vii.for surgery,medical or preventative treatment which can be delayed in the opinion of the qualified medical doctor treating a Person Insured until he or she returns to the United Kingdom,Isle of Man or the channel Islands (if a Person Insured is resident in the Channel Islands);
viii.any additional costs for single or private room accommodation;
ix.additional travel and hotel expenses incurred which have not been authorised in advance by ACE Assistance;
x.cremation or burial costs in the United Kingdom,Isle of Man or the Channel Islands (if a Person Insured is resident in the Channel islands);
b)to transport his or her body or ashes back to the United Kingdom,Isle of Man or the Channel Islands (if a Person Insured is resident in the Channel Islands),
Note:All original receipts must be kept and provided to support a Claim.
xi.the Excess,except where the Person Insured has obtained a reduction in the cost of medical expenses in European Union countries by using a European Health Insurance Card.

SECTION 6.MEDICAL AND ADDITIONAL EXPENSES (Maximum amount payable per Person Insured -UNLIMITED)
Cover under this Section only applies to Holidays Abroad.
IMPORTANT:THIS IS NOT PRIVATE MEDICAL INSURANCE.IF YOU REQUIRE MEDICAL TREATMENT YOU MUST CONTACT ACE ASSISTANCE IMMEDIATELY.IF YOU DO NOT DO THIS,ACE MAY REJECT YOUR CLAIM OR REDUCE ITS PAYMENT.IF YOU REQUIRE MEDICAL TREATMENT IN AUSTRALIA YOU MUST REGISTER FOR TREATMENT WITH MEDICARE.IF YOU DO NOT,WE MAY REJECT YOUR CLAIM OR REDUCE THE AMOUNT WE PAY YOU.IF YOU REQUIRE MEDICAL TREATMENT IN NEW ZEALAND YOU MUST ENSURE THAT,AS A UK RESIDENT AND BRITISH PASSPORT HOLDER,ANY TREATMENT YOU RECEIVE IS PROVIDED UNDER THE TERMS OF THE RECIPROCAL HEALTH AGREEMENT BETWEEN NEW ZEALAND AND THE UK.IF YOU DO NOT,WE MAY REJECT YOUR CLAIM OR REDUCE THE AMOUNT WE PAY YOU.
ACE Assistance -Medical Emergency and Referral/Personal Assistance Services (see beginning of this Policy and Part II)
You can call ACE Assistance for a range of medical related services when youre on a Holiday Abroad:
- payment of bills,and repatriation in medical emergencies
- replacement of lost drugs or other essential medication,prescription glasses or contact lenses
- sourcing and delivery of compatible blood supplies
- transmission of urgent messages to relatives or business associates
- organisation of the return home of a Child left unsupervised because you are in hospital or incapacitated
- the names and addresses of local doctors,hospitals,clinics and dentists for consultation or treatment
- to get a doctor to call
The comments contained in this box are intended to draw your attention to significant issues.They do not,in any way,form part of the contract.
Cover
If a Person Insured is injured or becomes ill during a Holiday Abroad,ACE will pay:
i.for medical,repatriation or travel expenses he or she incurs,including emergency dental or optical expenses. Medical expenses must be for necessary hospital,surgical or other diagnostic treatment,given or prescribed by a qualified medical doctor,and i include charges for staying in a hospital or nursing home.
Repatriation must be:
a)authorised by ACE Assistance;
b)necessary on medical grounds;and
c)to the United Kingdom,Isle of Man or the Channel Islands (if a Person Insured is resident in the Channel Islands).
ii.costs for additional travel and hotel expenses i including those for any one other person if a Person Insured has to be accompanied on medical advice or a Child needs to be escorted home.These must be authorised in advance by ACE Assistance.
iii.if a Person Insured dies,up to £5,000: a)for cremation or burial charges in the country in which he or she died;or
B.Exclusions (General Exclusions apply as well)
ACE will not pay:
any amount recovered under a National Health Service reciprocal agreement;
ii.for any treatment not confirmed as medically necessary;
iii.any expenses incurred in the Person Insured s country of residence;
iv.any additional travelling expenses not authorised by ACE Assistance if a Person Insured has to return home earlier than planned or be repatriated from a Holiday;
v.for medical treatment that a Person Insured travelled Abroad to obtain;
vi.for medication a Person Insured i s taking before and which he or she will have to continue taking during a Holiday;
vii.for surgery,medical or preventative treatment which can be delayed in the opinion of the qualified medical doctor treating a Person Insured until he or she returns to the United Kingdom,Isle of Man or the channel Islands (if a Person Insured is resident in the Channel Islands);
viii.any additional costs for single or private room accommodation;
ix.additional travel and hotel expenses incurred which have not been authorised in advance by ACE Assistance;
x.cremation or burial costs in the United Kingdom,Isle of Man or the Channel Islands (if a Person Insured is resident in the Channel islands);
b)to transport his or her body or ashes back to the United Kingdom,Isle of Man or the Channel Islands (if a Person Insured is resident in the Channel Islands),
Note:All original receipts must be kept and provided to support a Claim.
xi.the Excess,except where the Person Insured has obtained a reduction in the cost of medical expenses in European Union countries by using a European Health Insurance Card.

SECTION 6.MEDICAL AND ADDITIONAL EXPENSES (Maximum amount payable per Person Insured -UNLIMITED)
Cover under this Section only applies to Holidays Abroad.
IMPORTANT:THIS IS NOT PRIVATE MEDICAL INSURANCE.IF YOU REQUIRE MEDICAL TREATMENT YOU MUST CONTACT ACE ASSISTANCE IMMEDIATELY.IF YOU DO NOT DO THIS,ACE MAY REJECT YOUR CLAIM OR REDUCE ITS PAYMENT.IF YOU REQUIRE MEDICAL TREATMENT IN AUSTRALIA YOU MUST REGISTER FOR TREATMENT WITH MEDICARE.IF YOU DO NOT,WE MAY REJECT YOUR CLAIM OR REDUCE THE AMOUNT WE PAY YOU.IF YOU REQUIRE MEDICAL TREATMENT IN NEW ZEALAND YOU MUST ENSURE THAT,AS A UK RESIDENT AND BRITISH PASSPORT HOLDER,ANY TREATMENT YOU RECEIVE IS PROVIDED UNDER THE TERMS OF THE RECIPROCAL HEALTH AGREEMENT BETWEEN NEW ZEALAND AND THE UK.IF YOU DO NOT,WE MAY REJECT YOUR CLAIM OR REDUCE THE AMOUNT WE PAY YOU.
ACE Assistance -Medical Emergency and Referral/Personal Assistance Services (see beginning of this Policy and Part II)
You can call ACE Assistance for a range of medical related services when youre on a Holiday Abroad:
- payment of bills,and repatriation in medical emergencies
- replacement of lost drugs or other essential medication,prescription glasses or contact lenses
- sourcing and delivery of compatible blood supplies
- transmission of urgent messages to relatives or business associates
- organisation of the return home of a Child left unsupervised because you are in hospital or incapacitated
- the names and addresses of local doctors,hospitals,clinics and dentists for consultation or treatment
- to get a doctor to call
The comments contained in this box are intended to draw your attention to significant issues.They do not,in any way,form part of the contract.
Cover
If a Person Insured is injured or becomes ill during a Holiday Abroad,ACE will pay:
i.for medical,repatriation or travel expenses he or she incurs,including emergency dental or optical expenses. Medical expenses must be for necessary hospital,surgical or other diagnostic treatment,given or prescribed by a qualified medical doctor,and i include charges for staying in a hospital or nursing home.
Repatriation must be:
a)authorised by ACE Assistance;
b)necessary on medical grounds;and
c)to the United Kingdom,Isle of Man or the Channel Islands (if a Person Insured is resident in the Channel Islands).
ii.costs for additional travel and hotel expenses i including those for any one other person if a Person Insured has to be accompanied on medical advice or a Child needs to be escorted home.These must be authorised in advance by ACE Assistance.
iii.if a Person Insured dies,up to £5,000: a)for cremation or burial charges in the country in which he or she died;or
B.Exclusions (General Exclusions apply as well)
ACE will not pay:
any amount recovered under a National Health Service reciprocal agreement;
ii.for any treatment not confirmed as medically necessary;
iii.any expenses incurred in the Person Insured s country of residence;
iv.any additional travelling expenses not authorised by ACE Assistance if a Person Insured has to return home earlier than planned or be repatriated from a Holiday;
v.for medical treatment that a Person Insured travelled Abroad to obtain;
vi.for medication a Person Insured i s taking before and which he or she will have to continue taking during a Holiday;
vii.for surgery,medical or preventative treatment which can be delayed in the opinion of the qualified medical doctor treating a Person Insured until he or she returns to the United Kingdom,Isle of Man or the channel Islands (if a Person Insured is resident in the Channel Islands);
viii.any additional costs for single or private room accommodation;
ix.additional travel and hotel expenses incurred which have not been authorised in advance by ACE Assistance;
x.cremation or burial costs in the United Kingdom,Isle of Man or the Channel Islands (if a Person Insured is resident in the Channel islands);
b)to transport his or her body or ashes back to the United Kingdom,Isle of Man or the Channel Islands (if a Person Insured is resident in the Channel Islands),
Note:All original receipts must be kept and provided to support a Claim.
xi.the Excess,except where the Person Insured has obtained a reduction in the cost of medical expenses in European Union countries by using a European Health Insurance Card.

SECTION 14. OVERSEAS LEGAL ADVICE & EXPENSES (Maximum payable £25,000 per Insured Person)
Cover under this Section only applies to Holidays Abroad .
ACE Assistance (see Part II of this Policy)
You can call ACE Assistance/Personal Assistance to help you:
- get legal advice from a local English-speaking lawyer, Embassy or Consulate
- pay reasonable emergency legal expenses or bail (against your guarantee of repayment)
Note: These are non-insured facilitation services making use of Europ Assistance's wide experience and contacts. Any costs incurred must be reimbursed to Europ Assistance.
DEFINITIONS
The following words and phrases will have the same special meaning in this Section wherever they appear in bold italic type and commence with a capital letter. Additional Definitions appear in Sections 4, 7 and 8 and General Definitions apply as well.
Word Special Meaning
Legal Expenses
a. fees, expenses, costs/expenses of expert witnesses and other disbursements reasonably incurred by the Legal Representatives in pursuing a claim or legal proceedings for damages and/or compensation against a third party who has caused accidental bodily injury to or illness of a Person Insured or in appealing or resisting an appeal against the judgment of a Court, tribunal or arbitrator.
b. costs for which a Person Insured is legally liable following an award of costs by any court or tribunal or an out of Court settlement made in connection with any claim or legal proceedings.
Legal Representatives the solicitor, firm of solicitors, lawyer, advocate or other appropriately qualified person firm or company appointed to act on behalf of a Person Insured.  
Any One Claim all claims or legal proceedings including any appeal against judgment consequent upon the same original cause, event or circumstance.
A. Cover If during a Holiday a Person Insured sustains bodily injury or illness which is caused by a third party ACE will pay up to a benefit amount of £25,000 to cover Legal Expenses arising out of Any One Claim.
B. Exclusions (General Exclusions apply as well) In respect of each Claim under this insurance ACE will not pay for:
i. any Claim reported to ACE more than 24 months after the beginning of the incident which led to the Claim;
ii. any Claim where it is ACE's opinion that the prospects for success in achieving a reasonable settlement are insufficient and/or where the laws, practices and/or financial regulations of the country in which the incident occurred would preclude the obtaining of a satisfactory settlement or the costs of doing so would be disproportionate to the value of the Claim;
iii. Legal Expenses incurred before receiving ACE's prior authorisation in writing unless such costs would have been incurred subsequent to ACE's authorisation;
iv. Legal Expenses incurred in connection with any criminal or wilful act;
v. Legal Expenses incurred in the defence against any civil claim or legal proceedings made or brought against the Person Insured unless as a counter claim;
vi. Fines, penalties compensation or damages imposed by a court or other authority;
vii. Legal Expenses incurred for any claim or legal proceedings brought against:
a) a tour operator, travel agent, carrier, insurer or their agents where the subject matter of the claim or legal proceedings is eligible for consideration under an Arbitration Scheme or Complaint Procedure;
b) ACE or their agents; or
c) the Person Insured's employer;
viii. Actions between Persons Insured or pursued in order to obtain satisfaction of a judgement or legally binding decision;
ix. Legal Expenses incurred in pursuing any claim for compensation (either individually or as a member of a group or class action) against the manufacturer, distributor or supplier of any drug, medication or medicine;
x. Legal Expenses chargeable by the Legal Representatives under contingency fee arrangements;
xi. Legal Expenses incurred where a Person Insured has:
a) failed to co-operate fully with and ensure that ACE is fully informed at all times in connection with any claim or legal proceedings for damages and or compensation from a third party; or
b) settled or withdrawn a Claim in connection with any claim or legal proceedings for damages and or compensation from a third party without the agreement of ACE. In such circumstances ACE shall be entitled to withdraw cover immediately and to recover any fees or expenses paid;
xii. Legal Expenses incurred after a Person Insured has not:
a) accepted an offer from a third party to settle a claim or legal proceedings where the offer is considered reasonable by ACE; or
b) accepted an offer from ACE to settle a Claim;
xiii. Legal Expenses which ACE considers unreasonable or excessive or unreasonably incurred.
C. SPECIAL CONDITIONS APPLICABLE TO THIS SECTION
i. Legal Representatives must be qualified to practise in the Courts of the country where the event giving rise to the Claim occurred or where the proposed defendant under this Section is resident.
ii. ACE shall at all times have complete control over the legal proceedings. Outside the European Union, the selection, appointment and control of Legal Representatives shall rest with ACE. Within the European Union, the Person Insured does not have to accept the Legal Representatives chosen by ACE.
The Person Insured has the right to select and appoint Legal Representatives after legal proceedings have commenced subject to ACE's agreement to the Legal Representatives' fee or charging rates. If there is a disagreement over this choice of Legal Representatives the Person Insured can propose Legal Representatives by sending ACE the proposed Legal Representatives' name and address. ACE may choose not to accept the Person Insured's proposal but only on reasonable grounds. ACE may ask the ruling body for Legal Representatives to nominate alternative Legal Representatives. In the meantime, ACE may appoint Legal Representatives to protect the Person Insured's interests.
iii. The Legal Representatives and the Person Insured must co-operate fully with and ensure that ACE is fully informed at all times in connection with any claim or legal proceedings for damages and or compensation from a third party. ACE is entitled to obtain from the Legal Representatives any information, document or advice relating to a claim or legal proceedings under this Insurance. On request the Person Insured will give to the Legal Representatives any instructions necessary to ensure such access.
iv. ACE's authorisation to incur Legal Expenses will be given if a Person Insured can satisfy ACE that:
a. there are reasonable grounds for pursuing or defending the claim or legal proceedings and the Legal Expenses will be proportionate to the value of the claim or legal proceedings; and
b. it is reasonable for Legal Expenses to be provided in a particular case. The decision to grant authorisation will take into account the opinion of the Legal Representatives as well as that of ACE's own advisers. If there is a dispute, ACE may request, at the Person Insured's expense, an opinion of a barrister as to the merits of the claim or legal proceedings. If the Claim is admitted, a Person Insured's costs in obtaining this opinion will be covered by this Insurance.
v. If there is any dispute, other than in respect of the admissibility of a Claim on which ACE's decision is final, the dispute will be referred to a single arbitrator who will be either a solicitor or barrister agreed by all parties, or failing agreement, one who is nominated by the current President of the appropriate Law Society. The party against whom the decision is made shall meet the costs of the arbitration in full. If the decision is not clearly made against either party the arbitrator shall have the power to apportion costs. If the decision is made in favour of ACE, the Person Insured's costs shall not be recoverable under the Insurance.
vi. ACE may at its discretion assume control at any time of any claim or legal proceedings in the name of the Person Insured for damages and or compensation from a third party.
vii. All Claims within this Section must be submitted to ACE in writing within 90 days.
viii. Any Legal Expenses incurred without the written agreement of ACE shall entitle ACE to withdraw cover immediately and to recover any fees or expenses paid to the Person Insured.
ix. ACE may at its discretion require the Person Insured to obtain at the expense of the Person Insured an opinion of a barrister agreed by the Person Insured and ACE as to whether or not there are reasonable grounds for continuing to pursue or defend any claim or legal proceedings. ACE will pay such expense if the opinion indicates that there are reasonable grounds for pursuing or defending the claim or legal proceedings.
x. ACE may at its discretion offer to settle a counter-claim against the Person Insured which it considers to be reasonable instead of continuing any claim or legal proceedings for damages and/or compensation by a third party.
xi. The Person Insured shall be responsible for the repayment to ACE of all sums paid by ACE in respect of the Legal Expenses where:
a. an award of costs is made in favour of the Person Insured in the claim or legal proceedings; or
b. costs are agreed to be paid to the Person Insured as part of any settlement of the claim or legal proceedings.
xii. If a conflict of interest arises, where ACE are also the insurers of the third party or proposed defendant to the claim or legal proceedings, the Person Insured has the right to select and appoint other Legal Representatives in accordance with the terms of this Insurance.
xiii. If at the request of the Person Insured Legal Representatives cease to continue acting for the Person Insured ACE shall be entitled to withdraw cover immediately or agree with the Person Insured to appoint other Legal Representatives in accordance with the terms of this Insurance.

SECTION 11. LOSS OF PASSPORT/DRIVING LICENCE EXPENSES (Maximum benefit £250 per Person Insured)
ACE Assistance (see Part II of this policy)
You can call ACE Assistance to help you replace a lost or stolen passport.
Please note: You will be responsible for paying all fees and charges resulting from the provision of advice or assistance but will be able to recover any payment if it is insured by this policy.
The comments contained in this box are intended to draw your attention to significant issues. They do not, in any way, form part of the contract.
A. Cover
ACE will pay up to £250 to cover
i. the cost of obtaining any temporary replacement travel documents required to enable a person insured to return to the United Kingdom or Isle of Man (or the Channel Islands if he or she is resident in the Channel Islands), including any additional travel and accommodation costs incurred by or on behalf of the person insured during a journey; and
ii. the replacement passport or driving licence fee payable.
B. Exclusions (General Exclusions apply as well)
ACE will not pay
i. for delay, detention, seizure or confiscation by customs or other officials
ii. unless a loss or theft is reported to the Police (and the hotel management if the loss or theft occurs in a hotel) within 24 hours of discovery and ACE is
provided with a copy of the original written Police report
iii. for a passport or driving licence stolen from an unattended vehicle unless it was in the locked boot of the vehicle or in the luggage space at the rear of a locked estate car or hatchback under a top cover and out of view, and there is evidence of forced entry.

SECTION 11. LOSS OF PASSPORT/DRIVING LICENCE EXPENSES (Maximum benefit £250 per Person Insured)
ACE Assistance (see Part II of this policy)
You can call ACE Assistance to help you replace a lost or stolen passport.
Please note: You will be responsible for paying all fees and charges resulting from the provision of advice or assistance but will be able to recover any payment if it is insured by this policy.
The comments contained in this box are intended to draw your attention to significant issues. They do not, in any way, form part of the contract.
A. Cover
ACE will pay up to £250 to cover
i. the cost of obtaining any temporary replacement travel documents required to enable a person insured to return to the United Kingdom or Isle of Man (or the Channel Islands if he or she is resident in the Channel Islands), including any additional travel and accommodation costs incurred by or on behalf of the person insured during a journey; and
ii. the replacement passport or driving licence fee payable.
B. Exclusions (General Exclusions apply as well)
ACE will not pay
i. for delay, detention, seizure or confiscation by customs or other officials
ii. unless a loss or theft is reported to the Police (and the hotel management if the loss or theft occurs in a hotel) within 24 hours of discovery and ACE is
provided with a copy of the original written Police report
iii. for a passport or driving licence stolen from an unattended vehicle unless it was in the locked boot of the vehicle or in the luggage space at the rear of a locked estate car or hatchback under a top cover and out of view, and there is evidence of forced entry.

SECTION 12. HIJACK (Maximum benefit £500 per Person Insured)
A. Cover If a Person Insured is held hostage by Hijackers whilst travelling to or from a Holiday, ACE will pay a benefit of £50 for each full 24 hours he or she is held hostage up to a maximum benefit of £500 for each Holiday
B. Exclusions (see General Exclusions)

SECTION 15. WINTER SPORTS
THIS SECTION IS OPTIONAL; IT APPLIES ONLY IF IT IS SHOWN AS INSURED ON THE SCHEDULE AND THE ADDITIONAL PREMIUM HAS BEEN PAID. (SEE GENERAL EXCLUSION 4.1 Winter Sports).
ii. up to £75 for each full week, or a proportionate amount for shorter or longer periods, to cover the value of an unused ski pass belonging to a Person Insured, and hire or tuition fees which a Person Insured cannot recover following:
a) an Accident or illness;
b) loss or theft of his or her ski pass
iii. unless a loss or theft is reported to the Police (and the hotel management if the loss or theft occurs in a hotel) within 24 hours of discovery and ACE is provided with a copy of the original written Police report
B. Exclusions (General Exclusions apply as well)
iv. more than £300 in total.

SECTION 15. WINTER SPORTS
THIS SECTION IS OPTIONAL; IT APPLIES ONLY IF IT IS SHOWN AS INSURED ON THE SCHEDULE AND THE ADDITIONAL PREMIUM HAS BEEN PAID. (SEE GENERAL EXCLUSION 4.1 Winter Sports).
iii. £20 for each full 24 hour period a Person Insured is unable to ski because there is a lack of snow in the pre-booked resort and no alternative skiing available.
Exclusions (General Exclusions apply as well)
v. more than £200 in total.

SECTION 15. WINTER SPORTS
THIS SECTION IS OPTIONAL; IT APPLIES ONLY IF IT IS SHOWN AS INSURED ON THE SCHEDULE AND THE ADDITIONAL PREMIUM HAS BEEN PAID. (SEE GENERAL EXCLUSION 4.1 Winter Sports).
iii. £20 for each full 24 hour period a Person Insured is unable to ski because there is a lack of snow in the pre-booked resort and no alternative skiing available.
Exclusions (General Exclusions apply as well)
v. more than £200 in total.

SECTION 15. WINTER SPORTS
THIS SECTION IS OPTIONAL; IT APPLIES ONLY IF IT IS SHOWN AS INSURED ON THE SCHEDULE AND THE ADDITIONAL PREMIUM HAS BEEN PAID. (SEE GENERAL EXCLUSION 4.1 Winter Sports).
iv. up to £100 for additional and necessary travel and accommodation costs if a Person Insureds outward or return journey is delayed by an avalanche for more than 12 hours from the scheduled departure time on his or her travel ticket
B. Exclusions (General Exclusions apply as well)
vi. if a Claim is paid under Part III Sections 2 or 3.

SECTION 15. WINTER SPORTS
THIS SECTION IS OPTIONAL; IT APPLIES ONLY IF IT IS SHOWN AS INSURED ON THE SCHEDULE AND THE ADDITIONAL PREMIUM HAS BEEN PAID. (SEE GENERAL EXCLUSION 4.1 Winter Sports).
i. up to £20 for each full 24 hour period it is necessary for a Person Insured to hire replacement Winter Sports equipment for Winter Sports equipment that is
a) lost or broken in an Accident
b) lost or misplaced by an airline or other carrier on the outward journey from the United Kingdom, Isle of Man or the Channel Islands and delayed for at least 12 hours after the arrival of the Person Insured at his or her destination
B. Exclusions (General Exclusions apply as well)
ACE will not pay
i. for delay, detention, seizure or confiscation by customs or other officials
ii. more than £200 in total.

SECTION 15. WINTER SPORTS
THIS SECTION IS OPTIONAL; IT APPLIES ONLY IF IT IS SHOWN AS INSURED ON THE SCHEDULE AND THE ADDITIONAL PREMIUM HAS BEEN PAID. (SEE GENERAL EXCLUSION 4.1 Winter Sports).
i. up to £20 for each full 24 hour period it is necessary for a Person Insured to hire replacement Winter Sports equipment for Winter Sports equipment that is
a) lost or broken in an Accident
b) lost or misplaced by an airline or other carrier on the outward journey from the United Kingdom, Isle of Man or the Channel Islands and delayed for at least 12 hours after the arrival of the Person Insured at his or her destination
B. Exclusions (General Exclusions apply as well)
ACE will not pay
i. for delay, detention, seizure or confiscation by customs or other officials
ii. more than £200 in total.

Winter Sports skiing (including skiing outside the area of the normal compacted snow or ski slope i.e. off-piste), tobogganing, snow boarding and ice skating (other than on an indoor rink) but excluding competitive winter sports (including, but not limited to, ski or ski bob racing, mono skiing, ski jumping, ski boarding, ice hockey, or the use of bobsleighs or skeletons).

If You want to return to the United Kingdom, Isle of Man or the Channel Islands during Your Journey for any reason that is not Due To a Claim, cover under this Policy, other than under Part III Section 1. Cancellation, Curtailment and Rearrangement, will be suspended from the time that You arrive at Your destination in the United Kingdom, Isle of Man or the Channel Islands, or 24 hours after You arrive in the United Kingdom, Isle of Man or the Channel Islands, whichever is earlier.
Cover under all Sections will resume when You leave Your final destination in the United Kingdom, Isle of Man or the Channel Islands to return to Your temporary place of residence Abroad.
Please note: You will not be covered for any costs incurred in returning to the United Kingdom, Isle of Man or the Channel Islands or to Your temporary place of residence Abroad.

SECTION 1. CANCELLATION, CURTAILMENT AND REARRANGEMENT (Maximum payable for any one Journey: £2,000)
A. Cover ACE will pay Cancellation, Curtailment and Rearrangement Costs up to £2,000 for any one Journey if it becomes necessary to cancel, curtail or rearrange the Journey Due To:
i. the death, serious injury, sudden illness, complications in pregnancy or quarantine of You or Your Immediate Family; provided that such cancellation, curtailment or rearrangement is confirmed as medically necessary by a Qualified Medical Practitioner;
ii. a Public Conveyance being cancelled or curtailed because of adverse weather, industrial action, or mechanical breakdown or derangement;
iii. Your compulsory quarantine, jury service or subpoena or hijacking of the conveyance in which You are travelling;
iv. Your unemployment which qualifies for payment under any applicable statute;
v. serious damage making Your home uninhabitable;
vi. Your presence being required by the Police following a burglary or attempted burglary at Your home.
B. Exclusions (General Exclusions apply as well)
ACE will not pay:
i. Cancellation, Curtailment and Rearrangement Costs where such cancellation or curtailment has not been confirmed as medically necessary by a Qualified Medical Practitioner;
ii. if complications in pregnancy occur within 14 weeks of the Expected Date of Delivery;
iii. if a strike or industrial action is public knowledge when this Policy is taken out or a Journey is booked;
iv. if an aircraft, sea vessel or train is withdrawn from service on the orders of the recognised regulatory authority in any country;
v. if You are called as an expert witness or if Your occupation would normally require a Court attendance;
vi. if You were unemployed or knew You might become unemployed at the time a booking was made;
vii. if any other adverse financial situation necessitates cancellation, curtailment or rearrangement of a Journey;
viii. the Excess;
ix. additional travel and accommodation expenses for Curtailment and Rearrangement Costs where the means of transport and/or accommodation used is of a standard superior to that of the outbound journey;
x. any loss, charge or expense Due To:
a) a delay in notifying the tour operator, travel agent, or transport or accommodation provider that it is necessary to cancel a booking;
b) disinclination to go on a Journey;or
c) prohibitive regulations by the government of any country;
xi. a charge or expense paid for or to be discharged with any kind of promotional voucher;
xii. if You were aware of any reason, either at the time You booked Your Journey or at the time You purchased the Policy, that might mean You had to cancel that Journey;
xiii. if a trip is cancelled as the result of regulations made by any government or public authority.

SECTION 4.MISSED DEPARTURE (Maximum payable £500 per Person Insured)
Cover under this Section only applies to Holidays Abroad.
Cover
ACE will pay up to £500 for necessary and reasonable accommodation and travel expenses to enable a Person Insured to reach his or her scheduled destination if he or she arrives too late at the airport,sea port,coach or train station to commence a booked journey from or to the United Kingdom,Isle of Man or the Channel Islands Due To:
i.the car he or she is using for travel breaking down or being involved in an accident;or
ii.the Public Conveyance he or she is using for travel failing to arrive on schedule.
Exclusions (General Exclusions apply as well)
ACE will not pay;
Accommodation and travel expenses where the means of transport and/or accommodation used is of a standard superior to that of the booked journey or Holiday;
ii.if the Person Insured does not provide original written:
a)evidence from a motoring organisation or garage that the car used for travel is roadworthy and properly maintained;or
b)details from the operators of the Public Conveyance used for travel of the length of,and reason for,the delay;
iii.the Excess;
iv.if the Person Insured has not allowed sufficient time for the journey;
v.for a missed departure caused by strike or industrial action that could be reasonably expected when the Holiday was booked.

SECTION 3.TRAVEL DELAY (Maximum payable £1001 £3,000 per Person Insured)
Cover under this Section only applies to Holidays Abroad.
Cover
If a Person Insured i s delayed for at least 12 hours on the outbound or return journey because the scheduled departure of a Public Conveyance is affected by a strike,i industrial action,adverse weather,mechanical breakdown derangement,or grounding of an aircraft due to mechanical or structural defect,ACE will pay:
i.a £20 benefit for the first full 12 hours delay and a £10 benefit for each subsequent full 12 hours delay up to a maximum benefit of £100;or
ii.up to £3,000 for Cancellation,Curtailment or Rearrangement Costs if a Holiday is abandoned after a delay of at least 24 hours of the scheduled departure from the United Kingdom,Isle of Man or the Channel Islands.
Exclusions (General Exclusions apply as well
ACE will not pay:
i.the Excess if a Holiday is abandoned;
ii.if a Person Insured does not:
a)check-in before the scheduled departure time shown on his or her travel itinerary;or
b)provide ACE with written details from the airline,shipping company,coach or train operators describing the length of,and reason for,the delay;
ili.if an aircraft,sea vessel,coach or train is taken out of service on the instructions of a Civil Aviation Authority,Port Authority or similar authority;
iv.if a strike or industrial action could be reasonably expected when a Holiday is booked;
v.a charge or expense paid for or to be discharged with any kind of promotional voucher.

SECTION 3.TRAVEL DELAY (Maximum payable £1001 £3,000 per Person Insured)
Cover under this Section only applies to Holidays Abroad.
Cover
If a Person Insured i s delayed for at least 12 hours on the outbound or return journey because the scheduled departure of a Public Conveyance is affected by a strike,i industrial action,adverse weather,mechanical breakdown derangement,or grounding of an aircraft due to mechanical or structural defect,ACE will pay:
i.a £20 benefit for the first full 12 hours delay and a £10 benefit for each subsequent full 12 hours delay up to a maximum benefit of £100;or
ii.up to £3,000 for Cancellation,Curtailment or Rearrangement Costs if a Holiday is abandoned after a delay of at least 24 hours of the scheduled departure from the United Kingdom,Isle of Man or the Channel Islands.
Exclusions (General Exclusions apply as well
ACE will not pay:
i.the Excess if a Holiday is abandoned;
ii.if a Person Insured does not:
a)check-in before the scheduled departure time shown on his or her travel itinerary;or
b)provide ACE with written details from the airline,shipping company,coach or train operators describing the length of,and reason for,the delay;
ili.if an aircraft,sea vessel,coach or train is taken out of service on the instructions of a Civil Aviation Authority,Port Authority or similar authority;
iv.if a strike or industrial action could be reasonably expected when a Holiday is booked;
v.a charge or expense paid for or to be discharged with any kind of promotional voucher.

SECTION 13. PERSONAL LIABILITY (Limit of Liability £2,000,000 per Person Insured)
ACE Assistance (see Part II of this policy)
You can call ACE Assistance to help you
- get legal advice from a local English-speaking lawyer, Embassy or Consulate
- pay reasonable emergency legal expenses or bail (against your guarantee of repayment)
Please note: You will be responsible for paying all fees and charges resulting from the provision of advice or assistance but will be able to recover any payment if it is insured by this policy.
The comments contained in this box are intended to draw your attention to significant issues. They do not, in any way, form part of the contract.
A. Cover ACE will indemnify a Person Insured against all sums which he or she is legally liable to pay as damages in respect of:
i. accidental bodily injury (including death illness or disease) to any person
ii. accidental loss of or damage to material property which occurs during the Period of Insurance arising out of the Holiday.
The maximum that ACE will pay under this Section for all damages as a result of any one occurrence or series of occurrences arising directly or indirectly from one
source or original cause shall be £2,000,000 (hereafter called the Limit of Liability).
ACE will in addition pay Costs and Expenses.
Costs and Expenses shall mean
i. all costs and expenses recoverable by a claimant from a Person Insured;
ii. all costs and expenses incurred with the written consent of ACE;
iii. solicitors fees for representation at any coroners inquest or fatal accident inquiry or in any Court of Summary Jurisdiction;
in respect of any occurrence to which this Section applies except that in respect of occurrences happening in or claims or legal proceedings brought or originating in the United States of America and Canada or any other territory within the jurisdiction of either such country, Costs and Expenses described in i., ii. and iii. above are deemed to be included in the Limit of Liability.
B. Exclusions
(General Exclusions apply as well)
ACE will not provide indemnity for any liability:
i. in respect of bodily injury to any person who is under a contract of service with a Person Insured when such injury arises out of and in the course of their employment by the Person Insured.
ii. assumed by a Person Insured under a contract or agreement unless such liability would have attached in the absence of such contract or agreement.
iii. in respect of loss of or damage to property a. belonging to a Person Insured.
b. in the care custody or control of a Person Insured.
However this Exclusion shall not apply in respect of loss of or damage to buildings and their contents not belonging to but temporarily occupied by a Person
Insured in the course of the Holiday.
iv. in respect of bodily injury loss or damage caused directly or indirectly in connection with
a. the carrying on of any trade business or profession.
b. the ownership, possession or use of
1. horse-drawn or mechanically propelled vehicles.
2. aircraft, hovercraft or watercraft (other than manually propelled watercraft).
3. firearms (other than sporting guns).
4. animals (other than horses and domestic cats and dogs).
v. arising from the occupation or ownership of any land or building other than any building temporarily occupied by a Person Insured in the course of a Holiday.
C. Conditions applying to this Section
i. ACE may at its sole discretion in respect of any occurrence or occurrences covered by this Section pay to a Person Insured the Limit of Liability applicable to such occurrence or occurrences (but deducting therefrom any sum(s) already paid) or any lesser sum for which the claim(s) arising from such occurrence(s) can be settled and ACE shall thereafter be under no further liability in respect of such occurrence(s) except for the payment of Costs and Expenses incurred prior to the date of such payment and for which ACE may be responsible hereunder.
ii. If at the time of the happening of any occurrence covered by this Section there is any other existing insurance whether taken out by a Person Insured or not covering the same liability ACE shall not be liable to indemnify a Person Insured in respect of such liability except so far as concerns any excess beyond the amount which would have been payable under such other insurance had this Section not been effected.

GENERAL EXCLUSIONS (Exclusions that apply to the whole Policy)
ACE will not be liable to make any payment under this Policy where any event that would otherwise be insured is Due To
A. Air travel/sports
i. participation in aerial pursuits or sports including but not limited to: ballooning, bungee-jumping, gliding, hang-gliding, microlighting, parachuting, paragliding or
parascending.
ii. air travel, unless the Person Insured is travelling as a fare-paying passenger in a fixed wing aircraft which is provided by a licensed airline or air charter company.
B. Business
business of any description that is undertaken on a Holiday.
C. Currency
currency exchange.
D. Hazardous activities
participation in or training for: mountaineering requiring the use of ropes or guides; potholing; any organised sporting holiday or trip; travelling on a motorcycle over 125cc; competitive winter sports including, but not limited to ski or ski bob racing, mono skiing, ski jumping, ski boarding, ice hockey, or the use of bobsleighs or skeletons; racing of any kind (except for racing on foot); scuba diving to depths in excess of 30 metres; and speed or endurance tests.
E. Illegal acts any illegal act of a Person Insured.
F.Medical conditions
any medical condition (including post traumatic stress disorder or a related syndrome or any conditions psychological or psychiatric condition)diagnosed before a Holiday begins.
G.Misuse of alcohol drugs
Misuse of alcohol or solvents by a Person Insured;alco holl drugs ii.drugs ingested by a Person Insured except for drugs which are properly prescribed;and iii.the Person Insured driving a vehicle of any kind whilst the alcohol level in his or her blood exceeds the legal limit of the country where he or she is driving.
H. Pregnancy
Pregnancy, childbirth or miscarriage where the Holiday ends within 14 weeks of the expected date of delivery;and abortion or any resulting complication.
I.Radiation
i.ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste resulting from the combustion of nuclear fuel;or ii.the radioactive,toxic,explosive or other hazardous properties of any explosive nuclear assembly or nuclear component of such assembly.
J. Sonic waves
pressure waves from aircraft and other airborne devices travelling at sonic or supersonic speeds,
K. Specified diseases .
i.infection with Human Immune Deficiency Virus (HIV)or other forms of the virus,Acquired Immune Deficiency Syndrome (AIDS)and AIDS-Related Complex (ARC);or i sexually transmitted disease.
L. Suicide/self injury .
i.suicide,attempted suicide or deliberate self-inflicted injury by the Person Insured regardless of the state of their mental health;or ii,needless self-exposure to danger except in an attempt to save human life.
M. War
War or any act of War whether War is declared or not.
N. Winter Sports
Winter Sports unless SECTION 13,WINTER SPORTS is shown as covered on the Policy Schedule;any competitive winter sports,including but not limited to,ski or ski bob racing,mono skiing,ski jumping,ski boarding,ice hockey,or the use of bobsleighs or skeletons.

4.3 CLAIM PROVISIONS
A. A Person Insured must:
i. Notify ACE immediately
e-mail ACE immediately or download a claim form from this website and send it to ACE as soon as possible and within 30 days of becoming aware of anything likely to result in a Claim. A personal representative can do this if the Person Insured cannot.
ii. Supply details & documents
supply at his or her own expense any information, evidence and receipts ACE requires including medical certificates signed by a medically qualified doctor, police reports and other reports.
iii. Protect property
take all reasonable steps to protect any item or property from further loss or damage and to recover any lost or stolen article.
iv. Send ACE summons, writs etc
send ACE any original writ, summons, legal process or other correspondence received in connection with a Claim immediately it is received and without answering it.
B. A Person Insured must not do the following without ACEs written agreement:
i. Admit liability
admit liability, or offer or promise to make any payment.
ii. Dispose of items
sell or otherwise dispose of any item or property for which a Claim is being made, or abandon any item or property to ACE.
C. Each Person Insured must recognise ACEs right to:
i. Pay, repair or replace
choose either to pay the amount of a Claim (less any excess and up to any Policy limit) or repair, replace or reinstate any item or property that is damaged, lost or stolen.
ii. Inspect & dispose of items
inspect and take possession of any item or property for which a Claim is being made and handle any salvage in a reasonable manner.
iii. Handle a Claim in our name
take over and deal with the defence or settlement of any Claim in his or her name and keep any amount recovered.
iv. Pay in Sterling
settle all Claims in Pounds Sterling.
v. Be reimbursed promptly
be reimbursed within 30 days for any costs or expenses that are not insured under this Policy, which ACE pays to a Person Insured, or on his or her behalf.
vi. Receive medical certificates
be supplied at his or her expense with appropriate original medical certificates before paying a Claim under Part III Sections 1, 4, 5 or 6.
vii. Carry out medical examinations
request and carry out a medical examination and insist on a post-mortem examination, if the law allows ACE to ask for one, at ACEs expense.
D. ACE will not be liable to pay a Claim and may cancel the Policy immediately in either of the following circumstances if:
i. A Claim is dishonest
a Claim is in any way dishonest
ii. Fraud is used
if a Person Insured or anyone acting on his or her behalf, uses fraudulent means to benefit under this Policy.

GENERAL CONDITIONS (Conditions that apply to the whole Policy)
A. Contract
This Policy, the Policy Schedule and any information provided in Your application will be read together as one contract.
B. Legal Interpretation
Current legislation allows the parties to this contract to choose which law is used to interpret this Policy. You and ACE agree that
i. this Policy will be governed and interpreted in accordance with the Law of England and Wales and only the English Courts will have jurisdiction in any dispute; and
ii. communication of and in connection with this policy shall be in the English Language.
C. Third Party Rights You and ACE have agreed that it is not intended for any third party to this contract to have the right to enforce the terms of this contract. You and ACE can rescind or vary the terms of this contract without the consent of any third party to this contract, who might seek to assert that they have rights under the Contracts (Rights of Third Parties) Act 1999.
D. Observing Policy Terms & Conditions
ACE will not be liable to make any payment under this Policy if a Person Insured or his or her personal representative(s) do not observe and fulfil its terms, exclusions and conditions.
E. Your duty to avoid or minimise a Claim
You and each Person Insured must take ordinary and reasonable care to safeguard against loss, damage, Accident, injury or illness as though You were not insured. If ACE believes You or any Person Insured have not taken reasonable care of property, the Claim may not be paid. The items insured under this Policy must be maintained in good condition and kept in good repair.
F. Interest
ACE will not pay interest on any benefit payable under this policy unless payment has been unreasonably delayed by ACE following receipt of all the required certificates, information and evidence necessary to support the claim.

Excess
the first £60 of any Claim which each Person Insured must pay except for;
a) a loss of deposit only Claim, when the Excess is the first £10 of any Claim; or
b) a Claim for medical and additional expenses in European Union countries when there is no Excess where a reduction is obtained using a form E111 or a European Health Insurance Card.

Excess
the first £60 of any Claim which each Person Insured must pay except for;
a) a loss of deposit only Claim, when the Excess is the first £10 of any Claim; or
b) a Claim for medical and additional expenses in European Union countries when there is no Excess where a reduction is obtained using a form E111 or a European Health Insurance Card.