Age Concern Travel Insurance

Section 2 Medical and Emergency Expenses
What you are covered for
1. If you are travelling to the Channel Islands or any other country outside the United Kingdom and you become unexpectedly ill or are injured during the period of insurance we will pay up to £10,000,000 in all for each insured person in respect of:
a) reasonable and necessary emergency medical treatment expenses, ambulance charges and similar costs, surgical and hospital fees, nursing home and nursing costs and emergency dental treatment (up to £200 for the immediate relief of pain only);
b) extra accommodation (room only) expenses necessarily incurred until such time as when, in the opinion of the doctor in attendance and out medical advisors, you are fit to travel, and the extra cost of you returning home including repatriation expenses;
c) extra travel and accommodation (room only) expenses of one relative, friend, carer or qualified nurse who, in the opinion of the doctor in attendance and out medical advisers, is needed to accompany you;
d) extra return home expenses necessarily incurred by you resulting from the death, sudden illness or injury of a close relative or close business associate not travelling with you;
e) the additional cost of bringing your body or ashes to the United Kingdom or to pay up to £3,500 towards the cost of burial or cremation expenses in the country where death occurs;
f) a hospital inconvenience benefit of £25 per day, up to a maximum of £500 in all, in the event of you being admitted to a hospital abroad as an in-patient abroad during the period of your trip;
g) UK medical outpatient treatment up to £250 following your return home, subject to the acceptance of a valid claim under a);
h) Irrecoverable expenses in respect of excursions you have paid for before your departure but which you have not made up to £150.
2. If you are travelling within the United Kingdom (other than the Channel Islands) and you become unexpectedly ill during the period of insurance, we will pay up to £10,000 in all for each insured person in respect of:
a) extra accommodation (room only) expenses necessarily incurred until such time as when, in the opinion of the doctor in attendance and our medical advisers, you are fit to travel, and the extra cost of you returning home including repatriation expenses;
b) extra travel and accommodation (room only) expenses of one relative, friend, carer or qualified nurse who, in the opinion of the doctor in attendance and our medical advisers, is needed to accompany you;
c) extra return home expenses necessarily incurred by you resulting from the death, sudden illness or injury of a close relative or close business associate not travelling with you;
d) the additional cost of bringing your body or ashes to the United Kingdom (but excluding funeral and internment expenses) or to pay up to £3500 towards the cost of burial or cremation expenses in the country where death occurs;
e) extra charges necessarily incurred to recover your car and your personal belongings to your home if you and no other person travelling with you at the time of your discharge from hospital are able to drive the car.
What you are not covered for
1. Anything in the General Exclusions (see pages 18, 19).
2. The event excess, other than in respect of UK (not Channel Islands) where the excess is reduced to £25 (£50 oer family). No excess applies to 1. f) or 1. g).
3. In-patient treatment which has not been notified and agreed by us or our Emergency Assistance provider.
4. Out-patient treatment and additional related expenses over £500 unless they have been agreed by us or our Emergency Assistance provider.
5. Replenishing supplies of any medication you were using at the start of your trip.
6. Pregnancy or childbirth where the expected delivery date is within fourteen weeks of the return date of your trip.
7. Charges levies either directly or indirectly for services received for in-patient treatment in the UK (except the Channel Islands or as provided for in 1. g).
8. Any form of cosmetic surgery and/or treatment which in the opinion or a medical practitioner could reasonably be delayed until your return home.
9. Expenses incurred more than 12 months after the commencement date of the injury or illness.
10. Charges for private room accommodation.
11. Expenses incurred for in-patient treatment or private treatment not specifically authorised by us or our Emergency Assistance provider.
12. The cost of any elective treatment or surgery including exploratory tests, which are not directly related to the injury or illness which required your admittance into hospital.
13. Any expenses or costs after the date that the treating doctor together with our Emergency Assistance provider have deemed that you are fit to travel.
14. Any expenses incurred as a result of a tropical disease where you have not taken the recommended inoculations.
15. Charges for treatment or services in a health spa, convalescent or nursing home or any rehabilitation centre (unless agreed by us).
European Health Insurance Card (EHIC) - if we agree to a claim under this section, which has been reduced by your using an EHIC you will not have to pay the Event excess.

Section 5 Personal Accident
What you are covered for
Up to £15,000 in all each Insured Person in full for your external accidental bodily injury, which independently of any other cause results in:
A) death, or
B) total and permanent loss of sight in one or both eyes or total loss by physical severance at or above the wrist or ankle or total and permanent loss of use of one or both hands, arms, legs or feet; or
C) permanent and total disablement from engaging in paid employment or paid occupations of any and every kind which has continued for 12 months from the date of injury and is without hope of improvement;
all occurring within 12 months of the event happening.
The maximum amount of all benefits payable for one or more injuries sustained by you during the Period of Insurance shall not exceed the overall limit shown above.
What you are not covered for
1. Anything in the General Exclusions (see pages 18, 19), however no event excess applies.
2. More than £5,000 death benefit when your age is under 16 years or over 70 years.
3. Any claim for permanent and total disablement if at the date of the accident you are over the statutory retirement age.
4. Any sickness or disease, naturally occurring or degenerative condition, pregnancy or childbirth.

Section 2 Medical and Emergency Expenses
What you are covered for
1. If you are travelling to the Channel Islands or any other country outside the United Kingdom and you become unexpectedly ill or are injured during the period of insurance we will pay up to £10,000,000 in all for each insured person in respect of:
f) a hospital inconvenience benefit of £25 per day, up to a maximum of £500 in total except where treatment is received in a State hospital (which accepts your European Health Insurance Card and you receive treatment under the reciprocal arrangements that exist) in the following countries: Andorra, Balearics, Canary Islands, Cyprus, Greece, Malta, Spain, Turkey, in which case we will pay £100 per day (maximum £2,500) in the event of you being admitted to a hospital as an in-patient abroad during the period of your trip);

Section 2 Medical and Emergency Expenses
What you are covered for
1. If you are travelling to the Channel Islands or any other country outside the United Kingdom and you become unexpectedly ill or are injured during the period of insurance we will pay up to £10,000,000 in all for each insured person in respect of:
a) reasonable and necessary emergency medical treatment expenses, ambulance charges and similar costs, surgical and hospital fees, nursing home and nursing costs and emergency dental treatment (up to £200 for the immediate relief of pain only);

Section 2 Medical and Emergency Expenses
What you are covered for
1. If you are travelling to the Channel Islands or any other country outside the United Kingdom and you become unexpectedly ill or are injured during the period of insurance we will pay up to £10,000,000 in all for each insured person in respect of:
a) reasonable and necessary emergency medical treatment expenses, ambulance charges and similar costs, surgical and hospital fees, nursing home and nursing costs and emergency dental treatment (up to £200 for the immediate relief of pain only);

Section 2 Medical and Emergency Expenses
What you are covered for
1. If you are travelling to the Channel Islands or any other country outside the United Kingdom and you become unexpectedly ill or are injured during the period of insurance we will pay up to £10,000,000 in all for each insured person in respect of:
e) the additional cost of bringing your body or ashes to the United Kingdom or to pay up to £3,500 towards the cost of burial or cremation expenses in the country where death occurs;

Section 2 Medical and Emergency Expenses
What you are covered for
1. If you are travelling to the Channel Islands or any other country outside the United Kingdom and you become unexpectedly ill or are injured during the period of insurance we will pay up to £10,000,000 in all for each insured person in respect of:
e) the additional cost of bringing your body or ashes to the United Kingdom or to pay up to £3,500 towards the cost of burial or cremation expenses in the country where death occurs;

Section 3 Property and Money
What you are covered for
Up to £4,000 in all each insured person in respect of:
A) loss or damage to your personal possessions up to £2,500 taken with you or purchased on your trip but subject to the following limits:
- Valuables - £600 in all
- single items, pairs or sets - £300
- Sports equipment (excluding ski equipment which is covered under Section 8, part A) - £300
Note: This part of the section does not apply if you have elected to delete "Personal Possessions/Baggage" cover.
B) the purchase or hire of essential items up to £200 in all, if your personal property is misplaced or stolen on your outward journey for over 9 hours from the time you have arrived at your final destination (note: the amount payable will be deducted from the final claim settlement if your person property is permanently lost);
C) loss of your personal money and travel documents up to £1,000 in all, but limited to £300 in respect of cash;
Note: Cover commences up to 7 days before your trip in respect of foreign currency and travel documents only.
D) loss or damage to medical equipment up to £1,000 taken with you, sent in advance or purchased on your trip, but limited to £500 any single item, pair or set.
Basis of claims settlement - A) & D) above
If the damaged item is beyond economical repair it will be treated as lost. If an original purchase receipt or valuation is provided we will pay the replacement cost (subject to the limits set out above applying), otherwise we will assess the claim based on the intrinsic value at the time of loss, making allowance for age, wear and depreciation.
What you are not covered for
1. Anything in the General Exclusions
2. The event excess, other than in respect of B) where no excess will apply. A maximum of £50 will apply per couple/family.
3. Breakage or damage to fragile articles, paintings, works of art, sculptures, audio, video, computer, television and telecommunications equipment, mobile phones, musical instruments, household goods unless the breakage or damage us caused by fire, theft or an accident to the vehicle in which they are being carried.
4. Contact or corneal lenses, dentures.
5. Perishable goods, bottles, cartons and any damage caused by them or their contents.
6. Any loss of personal possessions or business equipment due to atmospheric or climatic conditions, wear, tear depreciation, moth or vermin.
7. Any damage to suitcases unless they are rendered unusable in the opinion of a luggage supplier/repairer.
8. Personal possessions left unattended away from you trip accommodation unless between 6.00am and 11.00pm local time in the locked boot or covered hatchback of a motor vehicle where entry was gained by violent and forcible means.
9. Any loss of personal money due to depreciation in value, currency changes or shortage caused by any error or omission.
10. Valuables or money carried in any unattended suitcases, trunks or similar containers.
11. Unattended valuables and personal money unless locked in a safety deposit box or left in your locked trip accommodation.
12. Loss or theft of travellers' cheques where the issuer provides a replacement service.
13. Loss or damage arising from delay, confiscation or detention by customs or other authorities.
14. Property more specifically insured elsewhere.
15. Your failure to exercise reasonable care for the safety of your property as if uninsured.
16. Household goods or home contents.
17. Loss of, theft of or damage to your personal possessions during your outward or return journey if you do not get a written carriers report, or a property irregularity report in the case of an airline. If you cannot report the loss, theft or damage to the airline straight away, you must do so in writing within seven days.
18. Loss or theft of your personal possessions at any other time if you do not report the loss or theft to the police within 24 hours of discovering it and get a police report from the.

Section 6 Legal Expenses
What you are covered for
Up to £25,000 in all each insured person in respect of legal costs and expenses incurred by you in pursuit of compensation and/or damages against third party arising from or out of your death or personal injury occurring during the period of the trip.
Note:
1. We shall have complete control over the legal proceedings and the appointment and control of a lawyer.
2. You must follow the legal representative's advice and provide any information and assistance required. Failure to do so will entitle us to withdraw cover.
3. We must have access to any and/or all the legal representative's file of papers.
4. We may include a claim for out costs and expenses.
5. Failure by you to comply with all or any of these conditions will entitle us to render the legal expenses aspect of this insurance void and thereby withdraw cover.
What you are not covered for
1. Anything in the General Exclusions, however no event excess applies.
2. Costs and expenses to pursue a claim against us, Insurer(s) or Insurer(s) Agent or any other person insured under this policy or with whom you had arranged to travel.
3. Costs and expenses incurred prior to the granting of support by us.
4. Where the claim has been reported more than 180 days after the commencement of the incident giving rise to a claim.
5. Where the laws, practices and/or financial regulations of the country in which the proposed action will take place indicate that the cost of such action are likely to be reasonably greater than the anticipated value of the compensation award.
6. Where you are insured for legal expenses under any other insurance policy.
7. Where, in out opinion, there is insufficient prospect of success in obtaining a reasonable benefit.
8. Any claims for legal costs where you are pursuing legal action relating directly or indirectly to medical negligence or alleged medical negligence.
Note:
i. We will not be liable for any claim where legal costs and expenses are based directly or indirectly on the amount of an award.
ii. This insurance will not extend to covering you in pursuit of any appeal except at out sole discretion.
iii. Where there is a possibility of a claim being brought in more than one country we will not be liable for the costs if an action is brought in more than one country.

Section 3 Property and Money
What you are covered for
Up to £4,000 in all each insured person in respect of:
A) loss or damage to your personal possessions up to £2,500 taken with you or purchased on your trip but subject to the following limits:
- Valuables - £600 in all
- single items, pairs or sets - £300
- Sports equipment (excluding ski equipment which is covered under Section 8, part A) - £300
Note: This part of the section does not apply if you have elected to delete "Personal Possessions/Baggage" cover.
B) the purchase or hire of essential items up to £200 in all, if your personal property is misplaced or stolen on your outward journey for over 9 hours from the time you have arrived at your final destination (note: the amount payable will be deducted from the final claim settlement if your person property is permanently lost);
C) loss of your personal money and travel documents up to £1,000 in all, but limited to £300 in respect of cash;
Note: Cover commences up to 7 days before your trip in respect of foreign currency and travel documents only.
D) loss or damage to medical equipment up to £1,000 taken with you, sent in advance or purchased on your trip, but limited to £500 any single item, pair or set.
Basis of claims settlement - A) & D) above
If the damaged item is beyond economical repair it will be treated as lost. If an original purchase receipt or valuation is provided we will pay the replacement cost (subject to the limits set out above applying), otherwise we will assess the claim based on the intrinsic value at the time of loss, making allowance for age, wear and depreciation.
What you are not covered for
1. Anything in the General Exclusions
2. The event excess, other than in respect of B) where no excess will apply. A maximum of £50 will apply per couple/family.
3. Breakage or damage to fragile articles, paintings, works of art, sculptures, audio, video, computer, television and telecommunications equipment, mobile phones, musical instruments, household goods unless the breakage or damage us caused by fire, theft or an accident to the vehicle in which they are being carried.
4. Contact or corneal lenses, dentures.
5. Perishable goods, bottles, cartons and any damage caused by them or their contents.
6. Any loss of personal possessions or business equipment due to atmospheric or climatic conditions, wear, tear depreciation, moth or vermin.
7. Any damage to suitcases unless they are rendered unusable in the opinion of a luggage supplier/repairer.
8. Personal possessions left unattended away from you trip accommodation unless between 6.00am and 11.00pm local time in the locked boot or covered hatchback of a motor vehicle where entry was gained by violent and forcible means.
9. Any loss of personal money due to depreciation in value, currency changes or shortage caused by any error or omission.
10. Valuables or money carried in any unattended suitcases, trunks or similar containers.
11. Unattended valuables and personal money unless locked in a safety deposit box or left in your locked trip accommodation.
12. Loss or theft of travellers' cheques where the issuer provides a replacement service.
13. Loss or damage arising from delay, confiscation or detention by customs or other authorities.
14. Property more specifically insured elsewhere.
15. Your failure to exercise reasonable care for the safety of your property as if uninsured.
16. Household goods or home contents.
17. Loss of, theft of or damage to your personal possessions during your outward or return journey if you do not get a written carriers report, or a property irregularity report in the case of an airline. If you cannot report the loss, theft or damage to the airline straight away, you must do so in writing within seven days.
18. Loss or theft of your personal possessions at any other time if you do not report the loss or theft to the police within 24 hours of discovering it and get a police report from the.

Section 7 Unexpected Events
A) Travel Disruption
B) Travel Delay (not UK Trips)
C) Hijack
D) Mugging
E) Catastrophe
What you are covered for
A) Up to a maximum of £1,000 in all each insured person in respect of reasonable additional accommodation and travel expenses necessarily incurred to reach the overseas destination or to reach home as a consequence of delays in transit which are outside your control (including the loss of your travel documents), or as a result of the outward or inward flight being delayed, to include your missing a connecting flight.
B) 1. delay of at least 8 hours in departure of the aircraft, sea vessel, or train (using the Channel Tunnel), on which you are booked on your outward or return journey; we will pay £20 for each 8 hour delay up to a maximum of £100; or
2. if the outward journey is delayed for more than 12 hours you may opt to abandon your trip and claim irrecoverable cancellation costs up to £4,000 in all each insured person.
Note: You may claim under A) or B) bot not both.
We will also pay:
C) £100 each complete day you are either kidnapped or hijacked up to a maximum of £2,500;
D) £250 in full in the event that you are hospitalised following a mugging attack;
E) up to £500 in respect of reasonable additional accommodation and travel expenses necessarily incurred in the event that your trip is disrupted by a catastrophe.
What you are not covered for
1. Anything in the General Exclusions (see pages 18, 19), however the event excess only applies to A) & B) 2.
2. Expenses that you would have incurred during the normal course of your trip.
3. Circumstances already known at the time of taking out this insurance or booking the trip.
4. Your failure to check in on time or to allow sufficient time to get to the departure point.
5. Claims not supported by a written report from the appropriate authorities.
6. Claims that are not justifiable given the circumstances, for example; the fear of an event happening or not taking place.

Section 7 Unexpected Events
A) Travel Disruption
B) Travel Delay (not UK Trips)
C) Hijack
D) Mugging
E) Catastrophe
What you are covered for
A) Up to a maximum of £1,000 in all each insured person in respect of reasonable additional accommodation and travel expenses necessarily incurred to reach the overseas destination or to reach home as a consequence of delays in transit which are outside your control (including the loss of your travel documents), or as a result of the outward or inward flight being delayed, to include your missing a connecting flight.
B) 1. delay of at least 8 hours in departure of the aircraft, sea vessel, or train (using the Channel Tunnel), on which you are booked on your outward or return journey; we will pay £20 for each 8 hour delay up to a maximum of £100; or
2. if the outward journey is delayed for more than 12 hours you may opt to abandon your trip and claim irrecoverable cancellation costs up to £4,000 in all each insured person.
Note: You may claim under A) or B) bot not both.
We will also pay:
C) £100 each complete day you are either kidnapped or hijacked up to a maximum of £2,500;
D) £250 in full in the event that you are hospitalised following a mugging attack;
E) up to £500 in respect of reasonable additional accommodation and travel expenses necessarily incurred in the event that your trip is disrupted by a catastrophe.
What you are not covered for
1. Anything in the General Exclusions (see pages 18, 19), however the event excess only applies to A) & B) 2.
2. Expenses that you would have incurred during the normal course of your trip.
3. Circumstances already known at the time of taking out this insurance or booking the trip.
4. Your failure to check in on time or to allow sufficient time to get to the departure point.
5. Claims not supported by a written report from the appropriate authorities.
6. Claims that are not justifiable given the circumstances, for example; the fear of an event happening or not taking place.

Section 9 Winter Sports extension
A) Ski Equipment
B) Loss of Ski Pack
C) Ski Equipment
D) Piste Closure (not UK trips)
E) Avalanche
What you are covered for
We will pay in all each insured person up to:
A) £600 in respect of loss or damage to your own ski equipment taken with you or purchased on your trip but subject to a limit of £300 in respect of single items, pairs or sets and a maximum of £150 for loss of hired ski equipment which is your responsibility;
B) £300 in respect of a proportional refund following the loss of use of your ski pack following your injury or illness (as confirmed by your treating doctor) which prevents you from skiing;
C) £300 (maximum £30 per day) in respect of the hire of essential items if your own ski equipment is misplaced, or stolen on your outward journey for over 12 horus from the time you arrive at your trip destination or if it is lost or damaged during your stay at the ski resort;
D) £300 in respect;
i. of transportation costs (maximum £30 per day) to take you to an alternative skiing area in the event of that ALL skiing facilities in your pre-booked resort are closed due to lack of snow or avalanche (including risk of avalanche); or
ii. if no other skiing area is available or accessible, we will pay £30 for each day that the resort is closed;
Note: this cover only applies outside of the United Kingdom and from 1st January to the 31st March inclusive;
E) £300 in respect of additional travel and expenses necessarily incurred in the event that the outward or return journey of your trip is delayed more than 12 hours as a direct result of an avalanche or severe weather conditions.
Basis of claims settlement - Ski Equipment
Claims will bee assessed as a percentage of the original purchase price and the age of the ski equipment at the time of the loss as follows: up to 1 year old - 90%, up to 2 years old - 80%, up to 3 years old - 60%, up to 4 years old - 40%, up to 5 years old - 30%, over 5 years old - 10%.
What you are not covered for
1. Anything in the General Exclusions (see pages 18, 19), however the event excess only applies to A).
2. Expenses that you would have incurred during the normal course of your trip.
3. Lack of snow or avalanche conditions known or public knowledge at the time the trip was booked or when you purchased this insurance.
A) ONLY
4. Ski Equipment stolen from unattended motor vehicles between 11.00pm and 6.00am local time unless they were in the locked boot or covered hatchback of a motor vehicle where entry was gained by violent and forcible means.
5. Loss of, theft of or damage to your Ski Equipment during your outward or return journey if you do not get a written carrier's report, or a property irregularity report in the case of an airline. If you cannot report the loss, theft or damage to the airline straight away, you must do so in writing within seven days.
6. Loss or theft of your Ski Equipment at any other time if you do not report the loss or theft to the police within 24 hours of discovering it and get a police report from them.
7. Any claim not supported by documentary evidence of value(s) and proof of ownership.
8. Loss or damage arising from delay, confiscation or detention by customs or other authorities.
10. Property more specifically insured elsewhere.
11. Damaged skis not available for our inspection.
12. Loss of or damage to Winter Sports Equipment left unattended by you in a public place other than in respect of skis left in an area designated for their storage.

Section 9 Winter Sports extension
A) Ski Equipment
B) Loss of Ski Pack
C) Ski Equipment
D) Piste Closure (not UK trips)
E) Avalanche
What you are covered for
We will pay in all each insured person up to:
A) £600 in respect of loss or damage to your own ski equipment taken with you or purchased on your trip but subject to a limit of £300 in respect of single items, pairs or sets and a maximum of £150 for loss of hired ski equipment which is your responsibility;
B) £300 in respect of a proportional refund following the loss of use of your ski pack following your injury or illness (as confirmed by your treating doctor) which prevents you from skiing;
C) £300 (maximum £30 per day) in respect of the hire of essential items if your own ski equipment is misplaced, or stolen on your outward journey for over 12 horus from the time you arrive at your trip destination or if it is lost or damaged during your stay at the ski resort;
D) £300 in respect;
i. of transportation costs (maximum £30 per day) to take you to an alternative skiing area in the event of that ALL skiing facilities in your pre-booked resort are closed due to lack of snow or avalanche (including risk of avalanche); or
ii. if no other skiing area is available or accessible, we will pay £30 for each day that the resort is closed;
Note: this cover only applies outside of the United Kingdom and from 1st January to the 31st March inclusive;
E) £300 in respect of additional travel and expenses necessarily incurred in the event that the outward or return journey of your trip is delayed more than 12 hours as a direct result of an avalanche or severe weather conditions.
Basis of claims settlement - Ski Equipment
Claims will bee assessed as a percentage of the original purchase price and the age of the ski equipment at the time of the loss as follows: up to 1 year old - 90%, up to 2 years old - 80%, up to 3 years old - 60%, up to 4 years old - 40%, up to 5 years old - 30%, over 5 years old - 10%.
What you are not covered for
1. Anything in the General Exclusions (see pages 18, 19), however the event excess only applies to A).
2. Expenses that you would have incurred during the normal course of your trip.
3. Lack of snow or avalanche conditions known or public knowledge at the time the trip was booked or when you purchased this insurance.
A) ONLY
4. Ski Equipment stolen from unattended motor vehicles between 11.00pm and 6.00am local time unless they were in the locked boot or covered hatchback of a motor vehicle where entry was gained by violent and forcible means.
5. Loss of, theft of or damage to your Ski Equipment during your outward or return journey if you do not get a written carrier's report, or a property irregularity report in the case of an airline. If you cannot report the loss, theft or damage to the airline straight away, you must do so in writing within seven days.
6. Loss or theft of your Ski Equipment at any other time if you do not report the loss or theft to the police within 24 hours of discovering it and get a police report from them.
7. Any claim not supported by documentary evidence of value(s) and proof of ownership.
8. Loss or damage arising from delay, confiscation or detention by customs or other authorities.
10. Property more specifically insured elsewhere.
11. Damaged skis not available for our inspection.
12. Loss of or damage to Winter Sports Equipment left unattended by you in a public place other than in respect of skis left in an area designated for their storage.

Section 9 Winter Sports extension
A) Ski Equipment
B) Loss of Ski Pack
C) Ski Equipment
D) Piste Closure (not UK trips)
E) Avalanche
What you are covered for
We will pay in all each insured person up to:
A) £600 in respect of loss or damage to your own ski equipment taken with you or purchased on your trip but subject to a limit of £300 in respect of single items, pairs or sets and a maximum of £150 for loss of hired ski equipment which is your responsibility;
B) £300 in respect of a proportional refund following the loss of use of your ski pack following your injury or illness (as confirmed by your treating doctor) which prevents you from skiing;
C) £300 (maximum £30 per day) in respect of the hire of essential items if your own ski equipment is misplaced, or stolen on your outward journey for over 12 horus from the time you arrive at your trip destination or if it is lost or damaged during your stay at the ski resort;
D) £300 in respect;
i. of transportation costs (maximum £30 per day) to take you to an alternative skiing area in the event of that ALL skiing facilities in your pre-booked resort are closed due to lack of snow or avalanche (including risk of avalanche); or
ii. if no other skiing area is available or accessible, we will pay £30 for each day that the resort is closed;
Note: this cover only applies outside of the United Kingdom and from 1st January to the 31st March inclusive;
E) £300 in respect of additional travel and expenses necessarily incurred in the event that the outward or return journey of your trip is delayed more than 12 hours as a direct result of an avalanche or severe weather conditions.
Basis of claims settlement - Ski Equipment
Claims will bee assessed as a percentage of the original purchase price and the age of the ski equipment at the time of the loss as follows: up to 1 year old - 90%, up to 2 years old - 80%, up to 3 years old - 60%, up to 4 years old - 40%, up to 5 years old - 30%, over 5 years old - 10%.
What you are not covered for
1. Anything in the General Exclusions (see pages 18, 19), however the event excess only applies to A).
2. Expenses that you would have incurred during the normal course of your trip.
3. Lack of snow or avalanche conditions known or public knowledge at the time the trip was booked or when you purchased this insurance.
A) ONLY
4. Ski Equipment stolen from unattended motor vehicles between 11.00pm and 6.00am local time unless they were in the locked boot or covered hatchback of a motor vehicle where entry was gained by violent and forcible means.
5. Loss of, theft of or damage to your Ski Equipment during your outward or return journey if you do not get a written carrier's report, or a property irregularity report in the case of an airline. If you cannot report the loss, theft or damage to the airline straight away, you must do so in writing within seven days.
6. Loss or theft of your Ski Equipment at any other time if you do not report the loss or theft to the police within 24 hours of discovering it and get a police report from them.
7. Any claim not supported by documentary evidence of value(s) and proof of ownership.
8. Loss or damage arising from delay, confiscation or detention by customs or other authorities.
10. Property more specifically insured elsewhere.
11. Damaged skis not available for our inspection.
12. Loss of or damage to Winter Sports Equipment left unattended by you in a public place other than in respect of skis left in an area designated for their storage.

Section 9 Winter Sports extension
A) Ski Equipment
B) Loss of Ski Pack
C) Ski Equipment
D) Piste Closure (not UK trips)
E) Avalanche
What you are covered for
We will pay in all each insured person up to:
A) £600 in respect of loss or damage to your own ski equipment taken with you or purchased on your trip but subject to a limit of £300 in respect of single items, pairs or sets and a maximum of £150 for loss of hired ski equipment which is your responsibility;
B) £300 in respect of a proportional refund following the loss of use of your ski pack following your injury or illness (as confirmed by your treating doctor) which prevents you from skiing;
C) £300 (maximum £30 per day) in respect of the hire of essential items if your own ski equipment is misplaced, or stolen on your outward journey for over 12 horus from the time you arrive at your trip destination or if it is lost or damaged during your stay at the ski resort;
D) £300 in respect;
i. of transportation costs (maximum £30 per day) to take you to an alternative skiing area in the event of that ALL skiing facilities in your pre-booked resort are closed due to lack of snow or avalanche (including risk of avalanche); or
ii. if no other skiing area is available or accessible, we will pay £30 for each day that the resort is closed;
Note: this cover only applies outside of the United Kingdom and from 1st January to the 31st March inclusive;
E) £300 in respect of additional travel and expenses necessarily incurred in the event that the outward or return journey of your trip is delayed more than 12 hours as a direct result of an avalanche or severe weather conditions.
Basis of claims settlement - Ski Equipment
Claims will bee assessed as a percentage of the original purchase price and the age of the ski equipment at the time of the loss as follows: up to 1 year old - 90%, up to 2 years old - 80%, up to 3 years old - 60%, up to 4 years old - 40%, up to 5 years old - 30%, over 5 years old - 10%.
What you are not covered for
1. Anything in the General Exclusions (see pages 18, 19), however the event excess only applies to A).
2. Expenses that you would have incurred during the normal course of your trip.
3. Lack of snow or avalanche conditions known or public knowledge at the time the trip was booked or when you purchased this insurance.
A) ONLY
4. Ski Equipment stolen from unattended motor vehicles between 11.00pm and 6.00am local time unless they were in the locked boot or covered hatchback of a motor vehicle where entry was gained by violent and forcible means.
5. Loss of, theft of or damage to your Ski Equipment during your outward or return journey if you do not get a written carrier's report, or a property irregularity report in the case of an airline. If you cannot report the loss, theft or damage to the airline straight away, you must do so in writing within seven days.
6. Loss or theft of your Ski Equipment at any other time if you do not report the loss or theft to the police within 24 hours of discovering it and get a police report from them.
7. Any claim not supported by documentary evidence of value(s) and proof of ownership.
8. Loss or damage arising from delay, confiscation or detention by customs or other authorities.
10. Property more specifically insured elsewhere.
11. Damaged skis not available for our inspection.
12. Loss of or damage to Winter Sports Equipment left unattended by you in a public place other than in respect of skis left in an area designated for their storage.

Section 9 Winter Sports extension
B) Loss of Ski Pack
What you are covered for
We will pay in all each insured person up to:
B) £300 in respect of a proportional refund following the loss of use of your ski pack following your injury or illness (as confirmed by your treating doctor) which prevents you from skiing;
What you are not covered for
1. Anything in the General Exclusions (see pages 18, 19), however the event excess only applies to A).
2. Expenses that you would have incurred during the normal course of your trip.
3. Lack of snow or avalanche conditions known or public knowledge at the time the trip was booked or when you purchased this insurance.

Section 3 Property and Money
What you are covered for
Up to £4,000 in all each insured person in respect of:
A) loss or damage to your personal possessions up to £2,500 taken with you or purchased on your trip but subject to the following limits:
- Valuables - £600 in all
- single items, pairs or sets - £300
- Sports equipment (excluding ski equipment which is covered under Section 8, part A) - £300
Note: This part of the section does not apply if you have elected to delete "Personal Possessions/Baggage" cover.
B) the purchase or hire of essential items up to £200 in all, if your personal property is misplaced or stolen on your outward journey for over 9 hours from the time you have arrived at your final destination (note: the amount payable will be deducted from the final claim settlement if your person property is permanently lost);
C) loss of your personal money and travel documents up to £1,000 in all, but limited to £300 in respect of cash;
Note: Cover commences up to 7 days before your trip in respect of foreign currency and travel documents only.
D) loss or damage to medical equipment up to £1,000 taken with you, sent in advance or purchased on your trip, but limited to £500 any single item, pair or set.
Basis of claims settlement - A) & D) above
If the damaged item is beyond economical repair it will be treated as lost. If an original purchase receipt or valuation is provided we will pay the replacement cost (subject to the limits set out above applying), otherwise we will assess the claim based on the intrinsic value at the time of loss, making allowance for age, wear and depreciation.
What you are not covered for
1. Anything in the General Exclusions
2. The event excess, other than in respect of B) where no excess will apply. A maximum of £50 will apply per couple/family.
3. Breakage or damage to fragile articles, paintings, works of art, sculptures, audio, video, computer, television and telecommunications equipment, mobile phones, musical instruments, household goods unless the breakage or damage us caused by fire, theft or an accident to the vehicle in which they are being carried.
4. Contact or corneal lenses, dentures.
5. Perishable goods, bottles, cartons and any damage caused by them or their contents.
6. Any loss of personal possessions or business equipment due to atmospheric or climatic conditions, wear, tear depreciation, moth or vermin.
7. Any damage to suitcases unless they are rendered unusable in the opinion of a luggage supplier/repairer.
8. Personal possessions left unattended away from you trip accommodation unless between 6.00am and 11.00pm local time in the locked boot or covered hatchback of a motor vehicle where entry was gained by violent and forcible means.
9. Any loss of personal money due to depreciation in value, currency changes or shortage caused by any error or omission.
10. Valuables or money carried in any unattended suitcases, trunks or similar containers.
11. Unattended valuables and personal money unless locked in a safety deposit box or left in your locked trip accommodation.
12. Loss or theft of travellers' cheques where the issuer provides a replacement service.
13. Loss or damage arising from delay, confiscation or detention by customs or other authorities.
14. Property more specifically insured elsewhere.
15. Your failure to exercise reasonable care for the safety of your property as if uninsured.
16. Household goods or home contents.
17. Loss of, theft of or damage to your personal possessions during your outward or return journey if you do not get a written carriers report, or a property irregularity report in the case of an airline. If you cannot report the loss, theft or damage to the airline straight away, you must do so in writing within seven days.
18. Loss or theft of your personal possessions at any other time if you do not report the loss or theft to the police within 24 hours of discovering it and get a police report from the.

Section 9 Winter Sports extension
D) Piste Closure (not UK trips)
What you are covered for
We will pay in all each insured person up to:
D) £300 in respect;
i. of transportation costs (maximum £30 per day) to take you to an alternative skiing area in the event of that ALL skiing facilities in your pre-booked resort are closed due to lack of snow or avalanche (including risk of avalanche); or
ii. if no other skiing area is available or accessible, we will pay £30 for each day that the resort is closed;
Note: this cover only applies outside of the United Kingdom and from 1st January to the 31st March inclusive;
What you are not covered for
1. Anything in the General Exclusions (see pages 18, 19), however the event excess only applies to A).
2. Expenses that you would have incurred during the normal course of your trip.
3. Lack of snow or avalanche conditions known or public knowledge at the time the trip was booked or when you purchased this insurance.

Section 9 Winter Sports extension
D) Piste Closure (not UK trips)
What you are covered for
We will pay in all each insured person up to:
D) £300 in respect;
i. of transportation costs (maximum £30 per day) to take you to an alternative skiing area in the event of that ALL skiing facilities in your pre-booked resort are closed due to lack of snow or avalanche (including risk of avalanche); or
ii. if no other skiing area is available or accessible, we will pay £30 for each day that the resort is closed;
Note: this cover only applies outside of the United Kingdom and from 1st January to the 31st March inclusive;
What you are not covered for
1. Anything in the General Exclusions (see pages 18, 19), however the event excess only applies to A).
2. Expenses that you would have incurred during the normal course of your trip.
3. Lack of snow or avalanche conditions known or public knowledge at the time the trip was booked or when you purchased this insurance.

Section 9 Winter Sports extension
D) Piste Closure (not UK trips)
What you are covered for
We will pay in all each insured person up to:
D) £300 in respect;
i. of transportation costs (maximum £30 per day) to take you to an alternative skiing area in the event of that ALL skiing facilities in your pre-booked resort are closed due to lack of snow or avalanche (including risk of avalanche); or
ii. if no other skiing area is available or accessible, we will pay £30 for each day that the resort is closed;
Note: this cover only applies outside of the United Kingdom and from 1st January to the 31st March inclusive;
What you are not covered for
1. Anything in the General Exclusions (see pages 18, 19), however the event excess only applies to A).
2. Expenses that you would have incurred during the normal course of your trip.
3. Lack of snow or avalanche conditions known or public knowledge at the time the trip was booked or when you purchased this insurance.

Section 9 Winter Sports extension
E) Avalanche
What you are covered for
We will pay in all each insured person up to:
E) £300 in respect of additional travel and expenses necessarily incurred in the event that the outward or return journey of your trip is delayed more than 12 hours as a direct result of an avalanche or severe weather conditions.
What you are not covered for
1. Anything in the General Exclusions (see pages 18, 19), however the event excess only applies to A).
2. Expenses that you would have incurred during the normal course of your trip.
3. Lack of snow or avalanche conditions known or public knowledge at the time the trip was booked or when you purchased this insurance.

Section 9 Winter Sports extension
C) Ski Equipment
What you are covered for
We will pay in all each insured person up to:
C) £300 (maximum £30 per day) in respect of the hire of essential items if your own ski equipment is misplaced, or stolen on your outward journey for over 12 horus from the time you arrive at your trip destination or if it is lost or damaged during your stay at the ski resort;
What you are not covered for
1. Anything in the General Exclusions (see pages 18, 19), however the event excess only applies to A).
2. Expenses that you would have incurred during the normal course of your trip.
3. Lack of snow or avalanche conditions known or public knowledge at the time the trip was booked or when you purchased this insurance.

Section 9 Winter Sports extension
C) Ski Equipment
What you are covered for
We will pay in all each insured person up to:
C) £300 (maximum £30 per day) in respect of the hire of essential items if your own ski equipment is misplaced, or stolen on your outward journey for over 12 horus from the time you arrive at your trip destination or if it is lost or damaged during your stay at the ski resort;
What you are not covered for
1. Anything in the General Exclusions (see pages 18, 19), however the event excess only applies to A).
2. Expenses that you would have incurred during the normal course of your trip.
3. Lack of snow or avalanche conditions known or public knowledge at the time the trip was booked or when you purchased this insurance.

Section 3 Property and Money
Basis of claims settlement - A) & D) above
If the damaged item is beyond economical repair it will be treated as lost. If an original purchase receipt or valuation is provided we will pay the replacement cost (subject to the limits set out above applying), otherwise we will assess the claim based on the intrinsic value at the time of loss, making allowance for age, wear and depreciation.

Section 3 Property and Money
What you are covered for
Up to £4,000 in all each insured person in respect of:
A) loss or damage to your personal possessions up to £2,500 taken with you or purchased on your trip but subject to the following limits:
- Valuables - £600 in all
- single items, pairs or sets - £300
- Sports equipment (excluding ski equipment which is covered under Section 8, part A) - £300
Note: This part of the section does not apply if you have elected to delete "Personal Possessions/Baggage" cover.
B) the purchase or hire of essential items up to £200 in all, if your personal property is misplaced or stolen on your outward journey for over 9 hours from the time you have arrived at your final destination (note: the amount payable will be deducted from the final claim settlement if your person property is permanently lost);
C) loss of your personal money and travel documents up to £1,000 in all, but limited to £300 in respect of cash;
Note: Cover commences up to 7 days before your trip in respect of foreign currency and travel documents only.
D) loss or damage to medical equipment up to £1,000 taken with you, sent in advance or purchased on your trip, but limited to £500 any single item, pair or set.
Basis of claims settlement - A) & D) above
If the damaged item is beyond economical repair it will be treated as lost. If an original purchase receipt or valuation is provided we will pay the replacement cost (subject to the limits set out above applying), otherwise we will assess the claim based on the intrinsic value at the time of loss, making allowance for age, wear and depreciation.
What you are not covered for
1. Anything in the General Exclusions
2. The event excess, other than in respect of B) where no excess will apply. A maximum of £50 will apply per couple/family.
3. Breakage or damage to fragile articles, paintings, works of art, sculptures, audio, video, computer, television and telecommunications equipment, mobile phones, musical instruments, household goods unless the breakage or damage us caused by fire, theft or an accident to the vehicle in which they are being carried.
4. Contact or corneal lenses, dentures.
5. Perishable goods, bottles, cartons and any damage caused by them or their contents.
6. Any loss of personal possessions or business equipment due to atmospheric or climatic conditions, wear, tear depreciation, moth or vermin.
7. Any damage to suitcases unless they are rendered unusable in the opinion of a luggage supplier/repairer.
8. Personal possessions left unattended away from you trip accommodation unless between 6.00am and 11.00pm local time in the locked boot or covered hatchback of a motor vehicle where entry was gained by violent and forcible means.
9. Any loss of personal money due to depreciation in value, currency changes or shortage caused by any error or omission.
10. Valuables or money carried in any unattended suitcases, trunks or similar containers.
11. Unattended valuables and personal money unless locked in a safety deposit box or left in your locked trip accommodation.
12. Loss or theft of travellers' cheques where the issuer provides a replacement service.
13. Loss or damage arising from delay, confiscation or detention by customs or other authorities.
14. Property more specifically insured elsewhere.
15. Your failure to exercise reasonable care for the safety of your property as if uninsured.
16. Household goods or home contents.
17. Loss of, theft of or damage to your personal possessions during your outward or return journey if you do not get a written carriers report, or a property irregularity report in the case of an airline. If you cannot report the loss, theft or damage to the airline straight away, you must do so in writing within seven days.
18. Loss or theft of your personal possessions at any other time if you do not report the loss or theft to the police within 24 hours of discovering it and get a police report from the.

Section 3 Property and Money
What you are covered for
Up to £4,000 in all each insured person in respect of:
A) loss or damage to your personal possessions up to £2,500 taken with you or purchased on your trip but subject to the following limits:
- Valuables - £600 in all
- single items, pairs or sets - £300
- Sports equipment (excluding ski equipment which is covered under Section 8, part A) - £300
Note: This part of the section does not apply if you have elected to delete "Personal Possessions/Baggage" cover.
B) the purchase or hire of essential items up to £200 in all, if your personal property is misplaced or stolen on your outward journey for over 9 hours from the time you have arrived at your final destination (note: the amount payable will be deducted from the final claim settlement if your person property is permanently lost);
C) loss of your personal money and travel documents up to £1,000 in all, but limited to £300 in respect of cash;
Note: Cover commences up to 7 days before your trip in respect of foreign currency and travel documents only.
D) loss or damage to medical equipment up to £1,000 taken with you, sent in advance or purchased on your trip, but limited to £500 any single item, pair or set.
Basis of claims settlement - A) & D) above
If the damaged item is beyond economical repair it will be treated as lost. If an original purchase receipt or valuation is provided we will pay the replacement cost (subject to the limits set out above applying), otherwise we will assess the claim based on the intrinsic value at the time of loss, making allowance for age, wear and depreciation.
What you are not covered for
1. Anything in the General Exclusions
2. The event excess, other than in respect of B) where no excess will apply. A maximum of £50 will apply per couple/family.
3. Breakage or damage to fragile articles, paintings, works of art, sculptures, audio, video, computer, television and telecommunications equipment, mobile phones, musical instruments, household goods unless the breakage or damage us caused by fire, theft or an accident to the vehicle in which they are being carried.
4. Contact or corneal lenses, dentures.
5. Perishable goods, bottles, cartons and any damage caused by them or their contents.
6. Any loss of personal possessions or business equipment due to atmospheric or climatic conditions, wear, tear depreciation, moth or vermin.
7. Any damage to suitcases unless they are rendered unusable in the opinion of a luggage supplier/repairer.
8. Personal possessions left unattended away from you trip accommodation unless between 6.00am and 11.00pm local time in the locked boot or covered hatchback of a motor vehicle where entry was gained by violent and forcible means.
9. Any loss of personal money due to depreciation in value, currency changes or shortage caused by any error or omission.
10. Valuables or money carried in any unattended suitcases, trunks or similar containers.
11. Unattended valuables and personal money unless locked in a safety deposit box or left in your locked trip accommodation.
12. Loss or theft of travellers' cheques where the issuer provides a replacement service.
13. Loss or damage arising from delay, confiscation or detention by customs or other authorities.
14. Property more specifically insured elsewhere.
15. Your failure to exercise reasonable care for the safety of your property as if uninsured.
16. Household goods or home contents.
17. Loss of, theft of or damage to your personal possessions during your outward or return journey if you do not get a written carriers report, or a property irregularity report in the case of an airline. If you cannot report the loss, theft or damage to the airline straight away, you must do so in writing within seven days.
18. Loss or theft of your personal possessions at any other time if you do not report the loss or theft to the police within 24 hours of discovering it and get a police report from the.

Section 1 Cancellation, Loss of Deposit or Curtailment
What you are covered for
If your trip is necessarily and unavoidably cancelled or curtailed as a result of any of the following events occurring:
1. The death, bodily injury or illness of:
a) You
b) Any person with whom you are travelling or have arranged to travel with
c) Any person with whom you have arranged to reside temporarily
d) Any close relative residing in the United Kingdom
e) A close business associate
2. You or a person travelling with you:
a) Compulsory quarantine or jury service attendance solely as witness at a Court of Law.
b) Redundancy (which qualifies for payment under current United Kingdom Redundancy payment legislation and at the time of booking the trip there was no reason to believe anyone would be made redundant).
c) Previously agreed leave being cancelled by the Emergency Services or Armed Forces for operational reasons. This cover does not apply to cancellation of leave due to war, invasion, acts of foreign or any similar event.
d) Being required by the police to remain at or return to your home due to serious damage to your home caused by fire, aircraft, explosion, storm, flood, subsidence, malicious persons or theft.
We will pay:
A) Up to £4,000 in respect of unused travel and accommodation costs which you have paid or are contracted to pay and which you cannot recover from any other source; or
B) The lost proportion (each complete night) of your travel cost which you have not used due to the curtailment of you trip and up to £200 for unrecoverable expenses in respect of excursions you have paid for but which you have not made;
We will also pay for:
C) Additional expenses up to £500 in the event that your carer is unable to accompany you as planned due to a sudden and unexpected accident or illness.
What you are not covered for
1. Anything in the General Exclusions
2. The event excess, other than in respect of Loss of Deposit claims or where the total trip cost is less than £100, in which case the excess is reduced to £15 (£30 per family). No excess applies to C).
3. Cancellation charges in excess of those shown in the booking conditions of the travel or accommodation provider or surcharges levied increasing basic brochure prices.
4. Increased cancellation charges due to your failure to notify the travel agent, tour operator or travel/accommodation provider immediately it is found necessary to cancel or curtail your trip.
5. Circumstances that could reasonably have been anticipated at the time the trip was booked or when you purchases this insurance.
6. Your financial circumstances (other than as a result of redundancy for which you qualify for payments under current legislation) or your disinclination to travel, for whatever cause.
7. Cancellation due to pregnancy or childbirth where the birth is expected before or within fourteen weeks of the date of arrival home, unless the pregnancy was confirmed after the date you booked your trip.
8. Curtailment due to pregnancy or childbirth where the birth is expected before or within fourteen weeks of the date of arrival home.
9. Curtailment claims where our Emergency Service provider has not been contacted and authorisation obtained.
10. Your loss of enjoyment of the trip, however caused.
11. The omission or default of the provider of transport or accommodation or of an agent through whom the travel arrangements were made.
12. Any costs incurred in respect of visas obtained in connection with the trip.
13. Failure to obtain appropriate vaccinations.
14. Disinclination to travel.
15. Failure to obtain appropriate vaccinations.

Section 7 Unexpected Events
A) Travel Disruption
B) Travel Delay (not UK Trips)
C) Hijack
D) Mugging
E) Catastrophe
What you are covered for
A) Up to a maximum of £1,000 in all each insured person in respect of reasonable additional accommodation and travel expenses necessarily incurred to reach the overseas destination or to reach home as a consequence of delays in transit which are outside your control (including the loss of your travel documents), or as a result of the outward or inward flight being delayed, to include your missing a connecting flight.
B) 1. delay of at least 8 hours in departure of the aircraft, sea vessel, or train (using the Channel Tunnel), on which you are booked on your outward or return journey; we will pay £20 for each 8 hour delay up to a maximum of £100; or
2. if the outward journey is delayed for more than 12 hours you may opt to abandon your trip and claim irrecoverable cancellation costs up to £4,000 in all each insured person.
Note: You may claim under A) or B) bot not both.
We will also pay:
C) £100 each complete day you are either kidnapped or hijacked up to a maximum of £2,500;
D) £250 in full in the event that you are hospitalised following a mugging attack;
E) up to £500 in respect of reasonable additional accommodation and travel expenses necessarily incurred in the event that your trip is disrupted by a catastrophe.
What you are not covered for
1. Anything in the General Exclusions (see pages 18, 19), however the event excess only applies to A) & B) 2.
2. Expenses that you would have incurred during the normal course of your trip.
3. Circumstances already known at the time of taking out this insurance or booking the trip.
4. Your failure to check in on time or to allow sufficient time to get to the departure point.
5. Claims not supported by a written report from the appropriate authorities.
6. Claims that are not justifiable given the circumstances, for example; the fear of an event happening or not taking place.

Section 7 Unexpected Events
A) Travel Disruption
B) Travel Delay (not UK Trips)
C) Hijack
D) Mugging
E) Catastrophe
What you are covered for
A) Up to a maximum of £1,000 in all each insured person in respect of reasonable additional accommodation and travel expenses necessarily incurred to reach the overseas destination or to reach home as a consequence of delays in transit which are outside your control (including the loss of your travel documents), or as a result of the outward or inward flight being delayed, to include your missing a connecting flight.
B) 1. delay of at least 8 hours in departure of the aircraft, sea vessel, or train (using the Channel Tunnel), on which you are booked on your outward or return journey; we will pay £20 for each 8 hour delay up to a maximum of £100; or
2. if the outward journey is delayed for more than 12 hours you may opt to abandon your trip and claim irrecoverable cancellation costs up to £4,000 in all each insured person.
Note: You may claim under A) or B) bot not both.
We will also pay:
C) £100 each complete day you are either kidnapped or hijacked up to a maximum of £2,500;
D) £250 in full in the event that you are hospitalised following a mugging attack;
E) up to £500 in respect of reasonable additional accommodation and travel expenses necessarily incurred in the event that your trip is disrupted by a catastrophe.
What you are not covered for
1. Anything in the General Exclusions (see pages 18, 19), however the event excess only applies to A) & B) 2.
2. Expenses that you would have incurred during the normal course of your trip.
3. Circumstances already known at the time of taking out this insurance or booking the trip.
4. Your failure to check in on time or to allow sufficient time to get to the departure point.
5. Claims not supported by a written report from the appropriate authorities.
6. Claims that are not justifiable given the circumstances, for example; the fear of an event happening or not taking place.

Section 7 Unexpected Events
A) Travel Disruption
B) Travel Delay (not UK Trips)
C) Hijack
D) Mugging
E) Catastrophe
What you are covered for
A) Up to a maximum of £1,000 in all each insured person in respect of reasonable additional accommodation and travel expenses necessarily incurred to reach the overseas destination or to reach home as a consequence of delays in transit which are outside your control (including the loss of your travel documents), or as a result of the outward or inward flight being delayed, to include your missing a connecting flight.
B) 1. delay of at least 8 hours in departure of the aircraft, sea vessel, or train (using the Channel Tunnel), on which you are booked on your outward or return journey; we will pay £20 for each 8 hour delay up to a maximum of £100; or
2. if the outward journey is delayed for more than 12 hours you may opt to abandon your trip and claim irrecoverable cancellation costs up to £4,000 in all each insured person.
Note: You may claim under A) or B) bot not both.
We will also pay:
C) £100 each complete day you are either kidnapped or hijacked up to a maximum of £2,500;
D) £250 in full in the event that you are hospitalised following a mugging attack;
E) up to £500 in respect of reasonable additional accommodation and travel expenses necessarily incurred in the event that your trip is disrupted by a catastrophe.
What you are not covered for
1. Anything in the General Exclusions (see pages 18, 19), however the event excess only applies to A) & B) 2.
2. Expenses that you would have incurred during the normal course of your trip.
3. Circumstances already known at the time of taking out this insurance or booking the trip.
4. Your failure to check in on time or to allow sufficient time to get to the departure point.
5. Claims not supported by a written report from the appropriate authorities.
6. Claims that are not justifiable given the circumstances, for example; the fear of an event happening or not taking place.

Section 4 Personal Liability
What you are covered for
Up to £2,000,000 in all each insured person in respect of:
1. your legal liability to a third party arising during the period of the trip as a result of:
a) accidental death or bodily injury to any person;
b) accidental loss of or damage to property.
In addition we will also pay legal costs and expenses incurred, with our written consent, subject to our liability not exceeding the overall limit shown above, for all damages and costs payable arising out of one event or series of events consequent upon the original cause.
What you are not covered for
1. Anything in the General Exclusions, no event excess applies. However, you will be responsible for the first £250 of any claim in respect of damage to rented holiday accommodation.
2. Accidental death or bodily injury or disease to any person who, at the time of sustaining such injury, is engaged in your service or to any member of your family.
3. Accidental death or bodily injury to any member of your family or your travelling companion(s).
4. Damage to property belonging to, or in your care, custody or control, or a member of your family or your travelling companion/s or person in your service.
5. Any liability arising out of or incidental to any profession, occupation, or business.
6. Any liability which has been assumed under contract and would not otherwise have attached.
7. Any liability caused directly or indirectly by your owning or using any aircraft, motorised vehicles, motorised boat or any form of motorised leisure equipment.
8. Any liability arising out of ownership, possession, or operation of:
a) any horse drawn vehicle;
b) any animal.
9. Any liability arising out of the ownership, occupation, possession or use of any land or building (other than occupation only of any temporary residence).
10. Any liability arising out of the use of guns, spear guns, bows or crossbows.
11. Any liability arising in respect of any wilful or criminal act or assault.
12. Any liability arising outside the United Kingdom in any country in which you own premises, or are resident.
13. Any deliberate act or omission by you.
14. You acting as leader of a group participating in any activity, hazardous or otherwise.

Section 7 Unexpected Events
A) Travel Disruption
B) Travel Delay (not UK Trips)
C) Hijack
D) Mugging
E) Catastrophe
What you are covered for
A) Up to a maximum of £1,000 in all each insured person in respect of reasonable additional accommodation and travel expenses necessarily incurred to reach the overseas destination or to reach home as a consequence of delays in transit which are outside your control (including the loss of your travel documents), or as a result of the outward or inward flight being delayed, to include your missing a connecting flight.
B) 1. delay of at least 8 hours in departure of the aircraft, sea vessel, or train (using the Channel Tunnel), on which you are booked on your outward or return journey; we will pay £20 for each 8 hour delay up to a maximum of £100; or
2. if the outward journey is delayed for more than 12 hours you may opt to abandon your trip and claim irrecoverable cancellation costs up to £4,000 in all each insured person.
Note: You may claim under A) or B) bot not both.
We will also pay:
C) £100 each complete day you are either kidnapped or hijacked up to a maximum of £2,500;
D) £250 in full in the event that you are hospitalised following a mugging attack;
E) up to £500 in respect of reasonable additional accommodation and travel expenses necessarily incurred in the event that your trip is disrupted by a catastrophe.
What you are not covered for
1. Anything in the General Exclusions (see pages 18, 19), however the event excess only applies to A) & B) 2.
2. Expenses that you would have incurred during the normal course of your trip.
3. Circumstances already known at the time of taking out this insurance or booking the trip.
4. Your failure to check in on time or to allow sufficient time to get to the departure point.
5. Claims not supported by a written report from the appropriate authorities.
6. Claims that are not justifiable given the circumstances, for example; the fear of an event happening or not taking place.

General Exclusions
These exclusions apply in addition to the exclusions that appear in each section of the policy.
You are not covered for
b) terrorist activity (this exclusion does not apply to Section 2; Medical & Emergency Expenses or Section 7C; Kidnap/Hijack .

General Exclusions
These exclusions apply in addition to the exclusions that appear in each section of the policy.
You are not covered for
b) terrorist activity (this exclusion does not apply to Section 2; Medical & Emergency Expenses or Section 7C; Kidnap/Hijack .

General Exclusions
6) Any loss, injury, damage, death or legal liability arising directly or indirectly from, or consisting of, the failure, or fear of failure, of any equipment or any computer programme, whether or not you own it, to recognise or to correctly interpret or process any date as its true calendar date, or to continue to function correctly beyond that date. This exclusion does not apply to the Medical and Emergency Expenses & Personal Accident sections of this policy.

Claims Procedure
If you need to make a claim please contact Age Concern Travel Claims on: 0845 603 1641. The phone line is open 24 hours a day, 365 days a year if you have to make a claim. We may record or monitor calls for training purposes or to improve the quality of our service.
Fill in the claim form and return it with:
- The relevant proof we need;
- This policy; and
- Your travel insurance schedule.
All the certificates, accounts, receipts, information and evidence you send must be in the form we ask for. Always send originals and not photocopies. You must pay any costs involved in providing these documents.
You must follow these instructions, as failure to do so could prejudice your claim.
Cancellation
Notify the travel agent/tour operator immediately you need to cancel, and obtain a Cancellation invoice. If you delay we will only pay for those costs that you would have had to pay on the date it would have been reasonable for you to cancel.
Catastrophe
Keep all relevant receipts and obtain, where possible, written details of the event from the local authorities, property owners or tour operator's representative.
Curtailment/Cutting short your trip
Contact Assistance International to confirm that the reason for cutting short your trip will be covered and that your expected additional expenses are reasonable.
Damage to personal possessions during your trip
Retain the items in case we wish to see them (note: you may not abandon any property to us or the scheme administrators). You will need to obtain an estimate for repair or a letter confirming that the damage is irreparable.
Medical emergency expenses
You must notify Assistance International immediately of any serious illness or injury affecting an insured person on your policy while travelling, which necessitates admittance to a hospital as an inpatient or for outpatient/clinic costs or before any arrangements are made for repatriation or curtailment.
Personal Accident
Obtain a certificate from the treating doctor or specialist. In the event of death, we will require sight of an original copy of the Death Certificate.
Personal Liability
You must not admit responsibility to anyone or agree to pay for any damage, repair costs or compensation. You must keep a detailed written record and send it to us with any correspondence received, unanswered.
Delay of personal property/ski equipment in transit
Retain your tickets/luggage tags and report the matter immediately to the carrier and obtain a Property Irregularity Report form or its equivalent. If delayed for more than 9 hours on your outward journey and you need to buy or hire essential items, ensure that you keep all receipts.
Delayed Departure
You need to obtain a letter from the airline, railway company or shipping line (or their handling agents) which shows: the scheduled departure time, actual departure time and the reason for the delay. If you are delayed getting to your departure point, you must provide proof of the delay (e.g. a police or motoring organisation report) and provide receipts for necessary expenses incurred.
Loss of personal possessions, money and travel documents
Notify the police as soon as possible (within 24 hours of discovery) and obtain a written report and reference number from them. Also report the loss to your tour operator's representative or hotel/accommodation manager and if possible obtain a written report. You will be expected to provide proof of purchase/ownership and/or receipts or pre-loss valuations. If your personal possessions were lost, stolen or damaged while in the care of an airline, you must send a Property Irregularity Report as well as the flight tickets and luggage receipts that airline gave you when you checked in.
Piste Closure, Avalanche or Weather Delay
Obtain written confirmation (giving full details of the time, dates etc.) from the Tour Operator's local representative or resort authorities stating the circumstances.
Claims must be notified as soon as possible but in any event within 31 days of your return.

General Conditions
1. English law will apply to this contract of insurance unless you and we agree otherwise and any dispute will be heard in an English court.
2. Unless agreed otherwise, the contractual terms and conditions and other information relating to this contract will be in the English language.
Both parties do not intend any term of this agreement to be enforceable pursuant to the Contracts (Rights of Third Parties) Act 1999.
Out duty to you
We aim to provide a high standard of service and to meet any claims covered by this policy fairly and promptly. Should there be any complaint we will investigate this at once and resolve the matter as quickly as possible.
Your duty to us
1. To follow the Claims Procedure and to take all possible care to safeguard against accident, injury, loss or damage as if you had no insurance cover and provide all necessary documentation to support any claim.
2. To give us full details in writing of any incident which may result in a claim as soon as reasonably possible, but in any event within 31 days.
3. To pass on to us immediately any writ, summons, legal process, or other communication in connection with the claim, unanswered.
4. To provide all necessary information and assistance we may require at your own expense (including where necessary medical certification and details of any Private Health Insurance you have).
5. Not to admit liability for any event or offer to make payment without our prior written consent.
6. Recognising out right to:
a) make your policy void where any claim is found to be false or fraudulent;
b) take over and deal with in your name the defence or settlement of any claim made under this policy;
c) take proceedings in your name, but at our expense to recover for out benefit the amount of any payment made under this policy;
d) obtain information from your medical records (with your permission) for the purpose of dealing with any medical, cancellation or curtailment claims. (No personal medical information will be disclosed to any other person or organisation without your prior approval);
e) pay all claims under English Law unless we have agreed an alternative with you in writing;
f) make payments to you or your legal representatives;
g) only pay our rateable proportion where there is other insurance covering the same event.
Both parties do not intend any term of this agreement to be enforceable pursuant to the Contracts (Rights of Third Parties) Act 1999.

Excess - The maximum amount deducted per claim for a single event or occurrence. This is £50 for each insured person with a maximum of £100 applying per couple/family, other than Section 4 (Personal Liability) where a £250 excess applies for each insured person in respect of damage to rented holiday accommodation.

Reciprocal Health Agreement
If you are travelling to European Union countries you should carry a European Health lnsurance Card (EHIC) which you can apply for at the Post Office, call 0845 606 2030 or online at: www.dh.gov.u/travellers.This will entitle you to benefit from the reciprocal health arrangements that exist between European Union countries.
Please note: If you use the EHIC to reduce your medical claim, the event excess will not apply.