Atlas Comprehensive Cover

SECTION 2 MEDICAL EMERGENCY & REPATRIATION
What is covered:
We will pay You the following costs, up to a maximum of £10,000,000, per each Insured Person who suffers sudden and unforeseen bodily injury or illness, or who dies during a Trip outside the UK Area:
- Reasonable medical expenses for the immediate needs of an unforeseen medical emergency. Included are Medical Practitioners fees, hospital expenses, in-patient and out-patient medical treatment and charges for medical transportation to the nearest suitable hospital abroad, when deemed necessary by a recognised Medical Practitioner.
- Burial or cremation of a deceased Insured Person abroad up to a maximum of £2,000; or alternatively transportation costs of returning Home an Insured Persons body or ashes.
- Additional travelling costs to repatriate You Home when recommended by Our Medical Officer. We will pay for the cost of a medical escort if considered necessary.
We reserve the right to limit payment to what Our Medical Officer deems to be reasonable.
If Our Medical Officer advises a date when it is feasible and practical to repatriate You, but You choose instead to remain abroad, Our liability to pay any further costs under this Section after that date will be limited to what We would have paid if Your repatriation had taken place.
What is not covered:
a) costs in excess of £500 which have not been authorised by Us in advance (see Important Notes);
b) any claims arising directly or indirectly as a result of any Pre-existing Medical Conditions, unless You have declared ALL Pre-existing Medical Conditions to Us and We have written to You accepting them for insurance;
c) any pre-planned or pre-known or expected medical treatment or diagnostic procedure;
d) treatment which, in the opinion of Our Medical Officer, can reasonably be delayed until Your return to the country of departure;
e) any treatment which is not a surgical or medical procedure with the sole purpose of curing or relieving acute unforeseen illness or injury;
f) treatment or services provided by a private clinic or hospital, health spa, convalescent home or any rehabilitation centre unless confirmed as medically necessary by Our Medical Officer.
g) treatment for cosmetic purposes unless Our Medical Officer agrees that such treatment is necessary as the result of an accident covered under this policy;
h) expenses incurred as a result of a tropical disease when You have not had the recommended inoculations and/or taken the recommended medication;
i) any costs incurred in the UK Area other than in connection with transportation of You or Your remains to Home from abroad;
j) any costs incurred in the Channel Islands which are recoverable under the local health service;
k) any costs where the transportation Home has not been arranged by Us;
l) any costs in respect of unused pre-paid travel costs when We have paid to repatriate You;
m) air-sea rescue and transfer costs;
n) the £65 Policy Excess except where:
- You have paid the Excess Waiver Premium. or
- You have received inpatient treatment at a state hospital within the European Union, European Economic Area or Switzerland and You have used a European Health Insurance Card to effectively reduce the cost
of Your treatment or medicines.
o) any costs incurred when engaging in Special Sports and Activities unless You have paid the appropriate Special Sports & Activities premium;
p) any costs incurred by You when You are engaging in Winter Sports unless You have paid the Winter Sports premium;
q) anything mentioned in the General Exclusions.
In an emergency
You should first check that the circumstances are covered by Your policy. Having done this please contact the number shown below, giving Your name, Certificate number, and as much information as possible.
Please give Us a telephone, fax or telex number where We can contact You or leave messages at any time of the day or night.
To comply with the terms and conditions of the insurance You MUST contact Us as soon as possible. You MUST obtain Our prior authorisation before incurring any expenses over £500. In case of emergency, if You are physically prevented from contacting Us immediately, You or someone designated by You must contact Us within 48 hours.
For assistance outside U.K. dial: +44 (0)1444 442043 quoting reference 08ATL.
If travelling alone, We recommend that You should carry Your insurance documents with You at all times.

SECTION 12 PERSONAL ACCIDENT
What is covered:
If You suffer Accidental Bodily Injury during the Trip, which within 12 months is the sole and direct cause of death or disablement, We will pay You or Your legal personal representatives the following benefits:
COVER     Comprehensive  Pioneer
Death (18 64 years)   £5,000   £5,000
Death (under 18 or 65 years and over) £1,500   £1,500
Loss of one or more Limbs, or total and
irrecoverable Loss of Sight in one or both
eyes (0-64 years)   £25,000   £5,000
Loss of one or more Limbs, or total and
irrecoverable Loss of Sight in one or both
eyes (65 years and over)   £5,000   N/A
Permanent Total Disablement
(0-64 years)    £25,000   £5,000
Permanent Total Disablement
(65 years and over)   £5,000   N/A
What is not covered:
a) injury not caused solely by outward, violent and visible means;
b) Your disablement caused by mental or psychological trauma not involving Your bodily injury;
c) disease or any physical defect, infirmity or illness which existed prior to the commencement of the Trip;
d) any payment per Insured Person in excess of £25,000 Comprehensive/£5,000 Pioneer;
e) any payment in excess of £1,500 arising from death of Insured Persons under 18 years of age or over 65 years of age;
f) any payment in excess of £5,000 arising from the Permanent Total Disablement of Insured Persons over 65 years of age if You have purchased the Comprehensive Cover;
g) any payment arising from the Loss of one or more Limbs, or total and irrecoverable Loss of Sight in one or both eyes or Permanent Total Disablement of Insured Persons over 65 years of age if You have purchased the Pioneer Cover;
h) an Insured Person engaging in any Special Sports and Activities or Winter Sports where this policy specifically states that Personal Accident cover is excluded (regardless of whether the Special Sports and Activities or Winter Sports premium has been paid);
anything mentioned in the i) General Exclusions.

SECTION 5 HOSPITAL DAILY BENEFIT
What is covered:
For Comprehensive policies only, in the event of a valid claim under Section 2 (Medical Emergency & Repatriation) or Section 3 (Emergency Dental Treatment), when You are admitted to a recognised hospital abroad as an in-patient for more than 24 continuous hours, We will pay You the sum of £10 per each Insured Person per complete 24 hours of in-patient treatment up to a maximum of £1,000 per Insured Person.
What is not covered:
a) any claim arising in connection with a Trip solely within the UK Area;
b) any claim if You have purchased the Pioneer Cover;
c) anything mentioned in the General Exclusions.

SECTION 3 EMERGENCY DENTAL TREATMENT
What is covered:
We will pay You up to a maximum of £200 per each Insured Person for the costs of providing necessary temporary treatment for the immediate relief of pain or discomfort, and/or emergency repairs to dentures and orthodontic appliances carried out solely to alleviate distress in eating.
What is not covered:
a) the costs of any subsequent permanent or routine treatment;
b) any pre-planned or pre-known dental treatment or diagnostic procedure;
c) treatment which, in the opinion of Our Medical Officer, can reasonably be delayed until Your return to the country of departure;
d) any dental treatment or diagnostic procedure which is not solely for the immediate relief of pain or discomfort, or to alleviate distress in eating;
e) normal wear and tear;
f) any self-inflicted damage, including damage caused by tooth-brushing or any other oral hygiene activity;
g) any damage to dentures, other than whilst being worn by You;
h) dental treatment involving the provision of dentures or the use of precious metals;
i) any costs incurred in the UK Area;
j) any costs incurred in the Channel Islands which are recoverable under the local health service;
k) the £65 Policy Excess except where:
- You have paid the Excess Waiver Premium; or
- You have received inpatient treatment at a state hospital within the European Union, European Economic Area or Switzerland and You have used a European Health Insurance Card to effectively reduce the cost
of Your treatment or medicines;
l) any costs incurred when engaging in Special Sports and Activities unless You have paid the appropriate Special Sports & Activities premium;
m) any costs incurred by You when You are engaging in Winter Sports unless You have paid the Winter Sports premium;
n) anything mentioned in the General Exclusions.

SECTION 2 MEDICAL EMERGENCY & REPATRIATION
What is covered:
We will pay You the following costs, up to a maximum of £10,000,000, per each Insured Person who suffers sudden and unforeseen bodily injury or illness, or who dies during a Trip outside the UK Area:
- Reasonable medical expenses for the immediate needs of an unforeseen medical emergency. Included are Medical Practitioner's fees, hospital expenses, in-patient and out-patient medical treatment and charges for medical transportation to the nearest suitable hospital abroad, when deemed necessary by a recognised Medical Practitioner.
- Burial or cremation of a deceased Insured Person abroad up to a maximum of £2,000; or alternatively transportation costs of returning Home an Insured Person's body or ashes.

SECTION 2 MEDICAL EMERGENCY & REPATRIATION
What is covered:
We will pay You the following costs, up to a maximum of £10,000,000, per each Insured Person who suffers sudden and unforeseen bodily injury or illness, or who dies during a Trip outside the UK Area:
- Reasonable medical expenses for the immediate needs of an unforeseen medical emergency. Included are Medical Practitioner's fees, hospital expenses, in-patient and out-patient medical treatment and charges for medical transportation to the nearest suitable hospital abroad, when deemed necessary by a recognised Medical Practitioner.
- Burial or cremation of a deceased Insured Person abroad up to a maximum of £2,000; or alternatively transportation costs of returning Home an Insured Person's body or ashes.

SECTION 10 MONEY & TRAVEL DOCUMENTS
What is covered:
For Comprehensive policies only, if during a Trip, the Money You are carrying on Your person or You have left in a safety deposit box is lost, stolen, damaged or destroyed, then subject to the following conditions and exclusions, We will indemnify You up to an overall maximum under this policy of £500 per Insured Person in total.
The maximum We will pay for bank notes, currency notes and coins is £200 per Insured Person.
The maximum We will pay for bank notes, currency notes and coins belonging to an Insured Person aged under 18 is £50.
If any of Your Travel Documents are lost or stolen outside the country of departure during a Trip, We will pay You up to a maximum of £200 Comprehensive/£250 Pioneer per each Insured Person in respect of the value of the Travel Document and reasonable additional travel and accommodation expenses You incur abroad to obtain a replacement Travel Document. We do not cover the replacement cost of the Travel Document itself.
Special conditions relating to claims
Within 24 hours of the incident You must report loss of Money or Your passport to the local Police or to the Carrier, as appropriate, or to Your hotel or accommodation management, or to the Tour Operator representative.
You must produce to Us written documentation from one of the parties listed above confirming that the loss or theft occurred during the Trip - otherwise no claim will be paid.
You must produce to Us evidence of the withdrawal of bank notes, currency notes or coins - otherwise no payment will be made.
What is not covered:
a) shortages or loss due to error, omission, depreciation in value, or confiscation or detention by Customs or other lawful officials and authorities;
b) anything that can be replaced by the issuer;
c) the replacement cost of the passport;
d) the £65 Policy Excess for Money if You have purchased the Comprehensive Cover except where You have paid the Excess Waiver Premium;
e) the £65 Policy Excess for Travel Documents if You have purchased the Pioneer Cover except where You have paid the Excess Waiver Premium;
f) any claim for Money if You have purchased Pioneer Cover;
g) anything mentioned in the General Exclusions.

SECTION 13 LEGAL PROTECTION
What is covered:
We will provide telephone advice, guidance and assistance on any legal problem, which arises in connection with a Trip or in connection with Your Home. This service is available when You start Your Trip until 7 days after You return Home.
If You suffer death, illness or personal injury during the Trip, or if Your Home in the UK Area suffers damage during the Trip, then in the event that You or Your personal representatives decide to take out legal proceedings in pursuit of compensation, and We consider that You are likely to obtain a reasonable settlement:
We will advance on Your behalf:
- Up to a maximum of £25,000 Comprehensive/£5,000 Pioneer in total under this policy per each Insured Person (and in total for all Insured Persons in connection with any one event giving rise to a claim) for legal costs and expenses directly incurred in the pursuit of these proceedings.
- Additional travel expenses in the event that a Court outside the UK Area requires You to attend in connection with an event giving rise to an action under this Section, up to a maximum per each Insured Person of £250.
- When We have begun proceedings on Your behalf and You receive no compensation, or only limited compensation, We will indemnify You against claims for fees, costs and expenses arising out of the proceedings, to the extent that these fees, costs and expenses exceed the amount of any compensation You have received, up to a maximum of £25,000 Comprehensive/£5,000 Pioneer in total under this policy per each Insured Person (and in total for all Insured Persons in connection with any one event giving rise to a claim). This benefit will be offset against the advance described above.
Special conditions relating to claims
We shall have complete control over the legal proceedings although You do not have to accept the lawyer nominated by Us.
Lawyers must be qualified to practice 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.
If You are unable to agree with Us on a suitable lawyer We will ask the ruling body for lawyers in that country to nominate another lawyer. In the meantime, We may appoint a lawyer to protect Your interests.
If an award of compensation is made and payment is received by You, or by a lawyer instructed on Your behalf, then all sums advanced or paid by Us shall be repaid out of the compensation received.
We can opt to conduct legal proceedings instituted in the United States of America or Canada under the contingency fee system operating in North America.
We will not begin legal proceedings in more than one country in respect of the same occurrence.
You must notify Us as soon as possible of any incident which may give rise to a claim, and at the latest, within 90 days.
What is not covered:
a) costs or expenses incurred without prior authorisation by Us;
b) any incident, which may give rise to a claim, not notified to Us within 90 days;
c) the pursuit of a claim against Us, Our agent or an Insurer underwriting any Section of this policy, or a Travel Agent, Tour Operator or Carrier;
d) actions between Insured Persons, or actions pursued in order to obtain satisfaction of a judgement or legally binding decision;
e) any advice or any claim arising in connection with a Trip solely within the UK Area;
f) the £100 Policy Excess if You have purchased Pioneer Cover except where You have paid the Excess Waiver Premium;
g) anything mentioned in the General Exclusions.

SECTION 10 MONEY & TRAVEL DOCUMENTS
What is covered:
For Comprehensive policies only, if during a Trip, the Money You are carrying on Your person or You have left in a safety deposit box is lost, stolen, damaged or destroyed, then subject to the following conditions and exclusions, We will indemnify You up to an overall maximum under this policy of £500 per Insured Person in total.
The maximum We will pay for bank notes, currency notes and coins is £200 per Insured Person.
The maximum We will pay for bank notes, currency notes and coins belonging to an Insured Person aged under 18 is £50.
If any of Your Travel Documents are lost or stolen outside the country of departure during a Trip, We will pay You up to a maximum of £200 Comprehensive/£250 Pioneer per each Insured Person in respect of the value of the Travel Document and reasonable additional travel and accommodation expenses You incur abroad to obtain a replacement Travel Document. We do not cover the replacement cost of the Travel Document itself.
Special conditions relating to claims
Within 24 hours of the incident You must report loss of Money or Your passport to the local Police or to the Carrier, as appropriate, or to Your hotel or accommodation management, or to the Tour Operator representative.
You must produce to Us written documentation from one of the parties listed above confirming that the loss or theft occurred during the Trip - otherwise no claim will be paid.
You must produce to Us evidence of the withdrawal of bank notes, currency notes or coins - otherwise no payment will be made.
What is not covered:
a) shortages or loss due to error, omission, depreciation in value, or confiscation or detention by Customs or other lawful officials and authorities;
b) anything that can be replaced by the issuer;
c) the replacement cost of the passport;
d) the £65 Policy Excess for Money if You have purchased the Comprehensive Cover except where You have paid the Excess Waiver Premium;
e) the £65 Policy Excess for Travel Documents if You have purchased the Pioneer Cover except where You have paid the Excess Waiver Premium;
f) any claim for Money if You have purchased Pioneer Cover;
g) anything mentioned in the General Exclusions.

SECTION 14 MUGGING
What is covered:
For Comprehensive policies only, We will pay You the sum of £50 per complete 24 hours for which You are hospitalised up to a maximum of £500 per each Insured Person, if You sustain actual bodily injury as a result of a mugging attack during the Period of Insurance resulting in medical treatment and necessitating admission to an overseas hospital, provided that:
- The incident was reported to the nearest Police Authority within 12 hours of the incident occurring;
- You must produce independent evidence in writing in support of any claim.
What is not covered:
a) You being under the influence of intoxicating liquor, drug, drugs or substance or solvent abuse;
b) Your intentional self injury or Your wilful exposure or Your deliberate acts.
c) any claim if You have purchased Pioneer Cover;
d) anything mentioned in the General Exclusions.

SECTION 15 HIJACK
What is covered:
For Comprehensive policies only, We will pay You the sum of £100 per complete 24 hours up to a maximum of £1,000 per each Insured Person if the aircraft or sea vessel in which You are travelling is hijacked for more than 24 hours on the original, pre-booked, outward journey or return journey.
What is not covered:
a) any claim resulting from You acting in a way which could cause a claim under this Section;
b) You must give Us a written statement from an appropriate authority confirming the hijack and how long it lasted;
c) any claim if You have purchased Pioneer Cover;
d) anything mentioned in the General Exclusions.

SECTION 19 SKIS, SKI EQUIPMENT, SKI PACK & PASS
What is covered in addition to Section 8:
- For Comprehensive policies only, We will pay You up to a maximum of £500 per each Insured Person if skis and ski equipment belonging to You is/are damaged, stolen, destroyed or lost (and not recovered) in the course of a Trip.
- For Comprehensive policies only, We will pay You up to a maximum of £200 per each Insured Person if skis and ski equipment hired by You is/are damaged, stolen, destroyed or lost (and not recovered) in the course of a Trip.
Within these amounts the following sub-limits apply:
- If You cannot provide an original receipt, valuation report or other satisfactory proof of ownership and value to support the claim, payment for any one article, or for any one Pair or Set of articles, will be limited to a maximum of £60. Evidence of replacement value is not sufficient.
- The maximum We will pay You for all articles lost, damaged or stolen in any one incident is limited to £300 if You cannot provide satisfactory proof of ownership and value.
- For Comprehensive policies only, We will pay You the sum of £75 per complete 24 hours up to a maximum of £300 per each Insured Person if Your ski pack is unused due to Your accident or sickness valid under Section 2 (Medical Emergency & Repatriation).
- For Comprehensive policies only, We will pay You up to a maximum of £250 per each Insured Person if Your ski pass You are carrying on Your person or have left in a safety box is lost, stolen, damaged or destroyed in the course of a Trip.
- Skis and ski equipment are covered against damage or loss whilst in use.
- Skis are covered when locked to a roof rack, which is itself locked to the roof of a vehicle.
Special conditions relating to claims
You must take sufficient precautions to secure the safety of Your skis, ski equipment and ski pass and must not leave them Unattended at any time in a place to which the public has access.
What is not covered:
a) the £65 Policy Excess if skis or ski equipment belonging to or hired to You is/are damaged, stolen, destroyed or lost (and not recovered) except where You have paid the Excess Waiver Premium;
b) any claim if You have purchased Pioneer Cover;
c) anything mentioned in the General Exclusions.

SECTION 19 SKIS, SKI EQUIPMENT, SKI PACK & PASS
What is covered in addition to Section 8:
- For Comprehensive policies only, We will pay You up to a maximum of £500 per each Insured Person if skis and ski equipment belonging to You is/are damaged, stolen, destroyed or lost (and not recovered) in the course of a Trip.
- For Comprehensive policies only, We will pay You up to a maximum of £200 per each Insured Person if skis and ski equipment hired by You is/are damaged, stolen, destroyed or lost (and not recovered) in the course of a Trip.
Within these amounts the following sub-limits apply:
- If You cannot provide an original receipt, valuation report or other satisfactory proof of ownership and value to support the claim, payment for any one article, or for any one Pair or Set of articles, will be limited to a maximum of £60. Evidence of replacement value is not sufficient.
- The maximum We will pay You for all articles lost, damaged or stolen in any one incident is limited to £300 if You cannot provide satisfactory proof of ownership and value.
- For Comprehensive policies only, We will pay You the sum of £75 per complete 24 hours up to a maximum of £300 per each Insured Person if Your ski pack is unused due to Your accident or sickness valid under Section 2 (Medical Emergency & Repatriation).
- For Comprehensive policies only, We will pay You up to a maximum of £250 per each Insured Person if Your ski pass You are carrying on Your person or have left in a safety box is lost, stolen, damaged or destroyed in the course of a Trip.
- Skis and ski equipment are covered against damage or loss whilst in use.
- Skis are covered when locked to a roof rack, which is itself locked to the roof of a vehicle.
Special conditions relating to claims
You must take sufficient precautions to secure the safety of Your skis, ski equipment and ski pass and must not leave them Unattended at any time in a place to which the public has access.
What is not covered:
a) the £65 Policy Excess if skis or ski equipment belonging to or hired to You is/are damaged, stolen, destroyed or lost (and not recovered) except where You have paid the Excess Waiver Premium;
b) any claim if You have purchased Pioneer Cover;
c) anything mentioned in the General Exclusions.

SECTION 19 SKIS, SKI EQUIPMENT, SKI PACK & PASS
What is covered in addition to Section 8:
- For Comprehensive policies only, We will pay You up to a maximum of £500 per each Insured Person if skis and ski equipment belonging to You is/are damaged, stolen, destroyed or lost (and not recovered) in the course of a Trip.
- For Comprehensive policies only, We will pay You up to a maximum of £200 per each Insured Person if skis and ski equipment hired by You is/are damaged, stolen, destroyed or lost (and not recovered) in the course of a Trip.
Within these amounts the following sub-limits apply:
- If You cannot provide an original receipt, valuation report or other satisfactory proof of ownership and value to support the claim, payment for any one article, or for any one Pair or Set of articles, will be limited to a maximum of £60. Evidence of replacement value is not sufficient.
- The maximum We will pay You for all articles lost, damaged or stolen in any one incident is limited to £300 if You cannot provide satisfactory proof of ownership and value.
- For Comprehensive policies only, We will pay You the sum of £75 per complete 24 hours up to a maximum of £300 per each Insured Person if Your ski pack is unused due to Your accident or sickness valid under Section 2 (Medical Emergency & Repatriation).
- For Comprehensive policies only, We will pay You up to a maximum of £250 per each Insured Person if Your ski pass You are carrying on Your person or have left in a safety box is lost, stolen, damaged or destroyed in the course of a Trip.
- Skis and ski equipment are covered against damage or loss whilst in use.
- Skis are covered when locked to a roof rack, which is itself locked to the roof of a vehicle.
Special conditions relating to claims
You must take sufficient precautions to secure the safety of Your skis, ski equipment and ski pass and must not leave them Unattended at any time in a place to which the public has access.
What is not covered:
a) the £65 Policy Excess if skis or ski equipment belonging to or hired to You is/are damaged, stolen, destroyed or lost (and not recovered) except where You have paid the Excess Waiver Premium;
b) any claim if You have purchased Pioneer Cover;
c) anything mentioned in the General Exclusions.

SECTION 19 SKIS, SKI EQUIPMENT, SKI PACK & PASS
What is covered in addition to Section 8:
- For Comprehensive policies only, We will pay You up to a maximum of £500 per each Insured Person if skis and ski equipment belonging to You is/are damaged, stolen, destroyed or lost (and not recovered) in the course of a Trip.
- For Comprehensive policies only, We will pay You up to a maximum of £200 per each Insured Person if skis and ski equipment hired by You is/are damaged, stolen, destroyed or lost (and not recovered) in the course of a Trip.
Within these amounts the following sub-limits apply:
- If You cannot provide an original receipt, valuation report or other satisfactory proof of ownership and value to support the claim, payment for any one article, or for any one Pair or Set of articles, will be limited to a maximum of £60. Evidence of replacement value is not sufficient.
- The maximum We will pay You for all articles lost, damaged or stolen in any one incident is limited to £300 if You cannot provide satisfactory proof of ownership and value.
- For Comprehensive policies only, We will pay You the sum of £75 per complete 24 hours up to a maximum of £300 per each Insured Person if Your ski pack is unused due to Your accident or sickness valid under Section 2 (Medical Emergency & Repatriation).
- For Comprehensive policies only, We will pay You up to a maximum of £250 per each Insured Person if Your ski pass You are carrying on Your person or have left in a safety box is lost, stolen, damaged or destroyed in the course of a Trip.
- Skis and ski equipment are covered against damage or loss whilst in use.
- Skis are covered when locked to a roof rack, which is itself locked to the roof of a vehicle.
Special conditions relating to claims
You must take sufficient precautions to secure the safety of Your skis, ski equipment and ski pass and must not leave them Unattended at any time in a place to which the public has access.
What is not covered:
a) the £65 Policy Excess if skis or ski equipment belonging to or hired to You is/are damaged, stolen, destroyed or lost (and not recovered) except where You have paid the Excess Waiver Premium;
b) any claim if You have purchased Pioneer Cover;
c) anything mentioned in the General Exclusions.

SECTION 19 SKIS, SKI EQUIPMENT, SKI PACK & PASS
What is covered in addition to Section 8:
- For Comprehensive policies only, We will pay You up to a maximum of £500 per each Insured Person if skis and ski equipment belonging to You is/are damaged, stolen, destroyed or lost (and not recovered) in the course of a Trip.
- For Comprehensive policies only, We will pay You up to a maximum of £200 per each Insured Person if skis and ski equipment hired by You is/are damaged, stolen, destroyed or lost (and not recovered) in the course of a Trip.
Within these amounts the following sub-limits apply:
- If You cannot provide an original receipt, valuation report or other satisfactory proof of ownership and value to support the claim, payment for any one article, or for any one Pair or Set of articles, will be limited to a maximum of £60. Evidence of replacement value is not sufficient.
- The maximum We will pay You for all articles lost, damaged or stolen in any one incident is limited to £300 if You cannot provide satisfactory proof of ownership and value.
- For Comprehensive policies only, We will pay You the sum of £75 per complete 24 hours up to a maximum of £300 per each Insured Person if Your ski pack is unused due to Your accident or sickness valid under Section 2 (Medical Emergency & Repatriation).
- For Comprehensive policies only, We will pay You up to a maximum of £250 per each Insured Person if Your ski pass You are carrying on Your person or have left in a safety box is lost, stolen, damaged or destroyed in the course of a Trip.
- Skis and ski equipment are covered against damage or loss whilst in use.
- Skis are covered when locked to a roof rack, which is itself locked to the roof of a vehicle.
Special conditions relating to claims
You must take sufficient precautions to secure the safety of Your skis, ski equipment and ski pass and must not leave them Unattended at any time in a place to which the public has access.
What is not covered:
a) the £65 Policy Excess if skis or ski equipment belonging to or hired to You is/are damaged, stolen, destroyed or lost (and not recovered) except where You have paid the Excess Waiver Premium;
b) any claim if You have purchased Pioneer Cover;
c) anything mentioned in the General Exclusions.

SECTION 21 PISTE CLOSURE
What is covered:
For Comprehensive policies only, if during a Trip You are prevented from skiing at the pre-booked resort for more than 24 consecutive hours, because insufficient snow causes a total closure of the lift system (other than baby drags and lifts used for transport within the resort by non-skiers), We will pay You the sum of £20 per complete 24 hours up to a maximum of £200 per each Insured Person:
- for all reasonable travel costs and lift pass charges You have to pay to travel to and from a similar area to ski; OR
- as a cash benefit payable if no suitable alternative skiing is available.
What is not covered:
a) claims arising from closure of the resort lift system due to avalanches or dangerous high winds;
b) Trips in the Northern Hemisphere outside the period commencing 1st November and ending 31st March;
c) Trips in the Southern Hemisphere outside the period commencing 1st May and ending 30th September;
d) any claim if You have purchased Pioneer Cover;
e) anything mentioned in the General Exclusions.

SECTION 21 PISTE CLOSURE
What is covered:
For Comprehensive policies only, if during a Trip You are prevented from skiing at the pre-booked resort for more than 24 consecutive hours, because insufficient snow causes a total closure of the lift system (other than baby drags and lifts used for transport within the resort by non-skiers), We will pay You the sum of £20 per complete 24 hours up to a maximum of £200 per each Insured Person:
- for all reasonable travel costs and lift pass charges You have to pay to travel to and from a similar area to ski; OR
- as a cash benefit payable if no suitable alternative skiing is available.
What is not covered:
a) claims arising from closure of the resort lift system due to avalanches or dangerous high winds;
b) Trips in the Northern Hemisphere outside the period commencing 1st November and ending 31st March;
c) Trips in the Southern Hemisphere outside the period commencing 1st May and ending 30th September;
d) any claim if You have purchased Pioneer Cover;
e) anything mentioned in the General Exclusions.

SECTION 21 PISTE CLOSURE
What is covered:
For Comprehensive policies only, if during a Trip You are prevented from skiing at the pre-booked resort for more than 24 consecutive hours, because insufficient snow causes a total closure of the lift system (other than baby drags and lifts used for transport within the resort by non-skiers), We will pay You the sum of £20 per complete 24 hours up to a maximum of £200 per each Insured Person:
- for all reasonable travel costs and lift pass charges You have to pay to travel to and from a similar area to ski; OR
- as a cash benefit payable if no suitable alternative skiing is available.
What is not covered:
a) claims arising from closure of the resort lift system due to avalanches or dangerous high winds;
b) Trips in the Northern Hemisphere outside the period commencing 1st November and ending 31st March;
c) Trips in the Southern Hemisphere outside the period commencing 1st May and ending 30th September;
d) any claim if You have purchased Pioneer Cover;
e) anything mentioned in the General Exclusions.

SECTION 22 DELAY DUE TO AVALANCHE OR LANDSLIDE
What is covered:
For Comprehensive policies only, if, following avalanches or landslides, access to and from the ski resort is blocked or scheduled public transport services are cancelled or curtailed for more than 12 hours We will pay You up to a maximum of £200 per each Insured Person for reasonable extra accommodation and travel expenses.
Evidence of limited access will be required.
What is not covered:
a) any claim if You have purchased Pioneer Cover;
b) anything mentioned in the General Exclusions.

SECTION 20 SKI EQUIPMENT DELAY
What is covered:
For Comprehensive policies only, if Your luggage is certified by the Carrier to have been misplaced on the outward journey of a Trip in excess of 12 hours, then We will Pay You the sum of £20 per complete 24 hours, up to a maximum of £300 per each Insured Person, for hire of replacement skis and ski equipment. You must provide Us with receipts and written confirmation from the Carrier confirming the delay.
What is not covered:
a) any claim if You have purchased Pioneer Cover;
b) anything mentioned in the General Exclusions.

SECTION 20 SKI EQUIPMENT DELAY
What is covered:
For Comprehensive policies only, if Your luggage is certified by the Carrier to have been misplaced on the outward journey of a Trip in excess of 12 hours, then We will Pay You the sum of £20 per complete 24 hours, up to a maximum of £300 per each Insured Person, for hire of replacement skis and ski equipment. You must provide Us with receipts and written confirmation from the Carrier confirming the delay.
What is not covered:
a) any claim if You have purchased Pioneer Cover;
b) anything mentioned in the General Exclusions.

What you must do in the event of a medical emergency and in all cases involving repatriation or curtailment
Inter Group Assistance Services - 24 hour emergency service
Inter Group Assistance Services are open 24 hours a day, 365 days a year.
Inter Group Assistance Services MUST be contacted as soon as possible in the event of you dying, incurring medical expenses in excess of £250 being involved in an accident, being admitted to hospital, curtailing for medical reasons or missing your flight due to medical reasons.
Any minor illness or injury costs resulting in a claim should be paid by you, a receipt obtained and the amount reclaimed from Inter Group Claims Service within 31 days of the event.
Inter Group Assistance Services will provide immediate help of you are ill or injured outside the United Kingdom, Channel Islands or Republic of Ireland. They provide a 24 hour emergency service 365 days a year and you can contact them on: Emergency Number UK (44)1252 740 020
Emergency Fax Number +44 1252 740 110 Quote reference IGCS1487
When you contact Inter Group Assistance Services, you will need to say you are insured with "Whitehorse" and give the following information:
Your name, Your address, Your telephone number abroad, Your certificate number noted on Your certificate or booking invoice.
Inter Group Assistance Services should only be contacted in a medical emergency.

Special conditions relating to claims
We have the option to either pay You for the loss, or replace, reinstate or repair the items concerned.
Claims are paid based on the value of the goods at the time that they are lost and not on a new for old basis or replacement cost basis; thus a deduction is made for wear, tear, and depreciation, bearing in mind the age of the items.

SECTION 8 PERSONAL LUGGAGE
What is covered:
For Comprehensive policies only, If, in the course of a Trip, Your Personal Luggage is damaged, stolen, destroyed or lost (and not recovered), We will pay You up to a maximum of £2,000 per each Insured Person in total under this policy.
Within this amount the following sub-limits apply:
- The maximum We will pay You for any one article, or for any one Pair or Set of articles, is £250 per each Insured Person. If You cannot provide an original receipt, valuation report or other satisfactory proof of ownership and value to support the claim, payment for any one article, or for any one Pair or Set of articles, will be limited to a maximum of £60. Evidence of replacement value is not sufficient.
- The maximum We will pay You for all articles lost, damaged or stolen in any one incident is limited to £300 if You cannot provide satisfactory proof of ownership and value.
- The maximum We will pay You under this policy for all Valuables owned by each Insured Person is limited to £250 per each Insured Person (or £100 if the Insured Person is aged under 18).
- The maximum We will pay You for spectacles or prescribed sunglasses of any kind is limited to £150.
- The maximum We will pay You for Personal Luggage or Valuables lost, damaged or stolen from a beach or pool-side is limited to £100 per incident.
- The maximum We will pay You for any cigarettes or alcohol lost, damaged or stolen is limited to £50 in total under this policy.
Special conditions relating to claims
We have the option to either pay You for the loss, or replace, reinstate or repair the items concerned.
Claims are paid based on the value of the goods at the time that they are lost and not on a new for old basis or replacement cost basis; thus a deduction is made for wear, tear, and depreciation, bearing in mind the age of the items.
You must take suitable precautions to secure the safety of Your Personal Luggage, and must not leave it unsecured or Unattended or beyond Your reach at any time in a place to which the public have access.
If claiming for Your goods that were stolen or lost You should produce proof of purchase of the original goods by way of receipts, credit card or bank statements, as failure to do so may affect the assessment of the claim.
Within 24 hours of the incident, You must report loss of Personal Luggage to the local Police or to the Carrier, as appropriate, (damage to Personal Luggage in transit must be reported to the Carrier before You leave the baggage hall and a Property Irregularity Report (PIR) must be obtained), or to Your hotel or accommodation management, or to the Tour Operator representative.
You must produce to Us written documentation from one of the parties listed above confirming that the loss or theft occurred during the Trip - otherwise no claim will be paid.
What is not covered:
a) any item loaned, hired or entrusted to You;
b) any loss, theft of, or damage to Personal Luggage left in an Unattended motor vehicle if:
- the items concerned have not been locked out of sight in a Secure Luggage Area;
- no forcible and violent means have been used by an unauthorised person to affect entry into the vehicle; and no evidence of such entry is available.
c) theft of Valuables from an Unattended motor vehicle;
d) loss, theft of, or damage to, Valuables from checked-in luggage left in the custody of a Carrier and/or Valuables packed in luggage left in the baggage hold or storage area of a Carrier;
e) electrical or mechanical breakdown or derangement of the article insured;
f) wear and tear, damage caused by moth or vermin, denting or scratching, or any process of dyeing or cleaning;
g) confiscation or detention by Customs or other lawful officials and authorities;
h) dentures; bonds; securities; stamps or documents of any kind, including driving licences and passports; musical instruments; typewriters; glass; china; antiques; pictures; pedal cycles; hearing aids; coupons; vehicles or accessories; boats and/or ancillary equipment; samples or merchandise or business goods or specialised equipment relating to a trade or profession;
i) damage to fragile or brittle articles unless by fire or resulting from an accident to a sea going vessel, aircraft or vehicle;
j) liability in respect of a Pair or Set of articles where We shall be liable only for the value of that part of the Pair or Set which is lost or damaged;
k) sports gear whilst in use;
l) equipment used in connection with any Winter Sports or Special Sports and Activities unless You have paid the appropriate additional premium to extend Your policy;
m) loss or theft of or damage to Money (please see Section 10);
n) losses from a roof or boot luggage rack (other than losses of camping equipment, which remains covered under this Section);
o) the £65 Policy Excess except where You have paid the Excess Waiver Premium;
p) any claim if You have purchased Pioneer Cover;
q) anything mentioned in the General Exclusions.

SECTION 9 LUGGAGE DELAY ON YOUR OUTWARD JOURNEY
What is covered:
For Comprehensive policies only, if Your luggage is certified by the Carrier to have been lost or misplaced on the outward journey of a Trip for a period in excess of 24 hours, We will pay You the sum of up to a maximum of £200 per each Insured Person for the purchase of essential items.
Such sums will be refundable to Us if the luggage or any part of it proves to be permanently lost and/or a claim is made under the Personal Luggage Section.
Special conditions relating to claims
You must provide receipts and a report from the Carrier confirming the length of the delay - otherwise no payment will be made.
What is not covered:
any claim arising in
a) connection with a Trip solely within the UK Area;
b) any claim if You have purchased Pioneer Cover;
c) anything mentioned in the General Exclusions.

SECTION 1 CANCELLATION, CURTAILMENT & TRIP INTERRUPTION
Cancellation & Curtailment
What is covered:
We will pay You up to a maximum of £3,000 Comprehensive/£1,000 Pioneer per each Insured Person in total under this policy for financial loss You suffer, being non-refundable deposits and amounts You have paid (or have contracted to pay), for travel and accommodation You do not use because of Your inability to commence travel or complete the Trip.
Cancellation cover applies if You have booked a Trip to take place within the Period of Insurance, but You are forced to cancel Your travel plans because of one of the following changes in circumstances, which is beyond Your control, and of which You were unaware at the time You booked the Trip. Please see also the Travel Delay cover (Section 6).
Curtailment cover applies if You are forced to cut short a Trip You have commenced, and return to the UK Area, because of one of the following changes in circumstances which is beyond Your control, and of which You were unaware at the time You booked the Trip.
- Unforeseen illness, injury or death of You, a Close Relative or any person with whom You have arranged to travel or stay during the Trip.
- You abandoning Your Trip following a delay of more than 12 hours in the departure of Your outward flight, sea-crossing or international coach or train journey, forming part of the booked Trips itinerary, as a result of Strike or Industrial Action (of which You were unaware at the time You booked the Trip), adverse weather conditions, or the mechanical breakdown of, or accident of, the aircraft, sea vessel, coach or train.
- You or any person with whom You plan to travel being called up for Jury Service or being subpoenaed as a witness in a Court of Law (other than in a professional or advisory capacity).
- If You are made redundant and You qualify for redundancy payment under current legislation.
- Accidental damage, burglary, flooding or fire affecting Your Home, occurring during the Trip or within 48 hours before You depart, when a loss in excess of £1,500 is involved and Your presence is required by the Police in connection with such events.
- Your compulsory quarantine.
Trip interruption
What is covered:
On condition that You contact Us first, and that We make all the travel arrangements, We will pay necessary additional travelling costs incurred in returning You Home in the event You have a valid Curtailment claim. If the situation permits, and the period of Your original booked Trip has not expired, We will also pay necessary additional travel costs in transporting You back to the location abroad.
Travel by air will be limited to one economy/tourist class ticket for each Insured Person.
Trip interruption cover applies when You need to make an unscheduled return journey to the UK Area during a Trip because of:
- the death, imminent demise, or hospitalisation due to serious accident or illness, of a Close Relative;
- accidental damage, burglary, flooding or fire affecting Your Home during Your Trip, when a loss in excess of £1,500 is involved and when Your presence is required by the Police in connection with such events.
If You cannot recoup the cost of any pre-paid accommodation or holiday costs, You may be able to submit a pro-rata Curtailment claim under this Section for such costs.
The maximum amount We will pay You under Section 1 in total for Cancellation, Curtailment and Trip interruption claims is £3,000 Comprehensive/£1,000 Pioneer per each Insured Person.
Special conditions relating to claims
You must obtain a medical certificate from the Medical Practitioner in attendance and Our prior approval to confirm the necessity to return Home prior to the scheduled return date of the Trip in the event of unforeseen illness or injury.
In the event of Curtailment or interruption of the Trip, You must contact Us first and allow Us to make all the necessary travel arrangements.
If, at the time of requesting Our assistance in the event of a Curtailment or Trip Interruption claim, satisfactory medical evidence is not supplied in order to substantiate that the claim is due to an unforeseen illness, injury or death of You, a Close Relative, travelling companion or person with whom You have arranged to stay whilst on Your Trip, We will make all necessary arrangements at Your cost and arrange appropriate reimbursement as soon as the claim has been validated.
Your Cancellation, Curtailment or Trip Interruption must be necessary and unavoidable in order for You to claim.
You must notify the Carrier or Travel Agent immediately You know the Trip is to be cancelled or curtailed, to minimise Your loss as far as possible. If You fail to notify the Carrier or Travel Agent immediately it is found necessary to cancel the Trip, Our liability shall be restricted to the cancellation charges that would have applied had failure not occurred.
If You cancel the Trip due to unforeseen illness or injury You must provide a medical certificate from the treating General Practitioner stating that this prevented You from travelling.
If You cancel, curtail or interrupt Your Trip because Your presence is required by the Police in connection with accidental damage, burglary, flooding or fire affecting Your Home during Your Trip, You must produce to Us written documentation from the Police confirming that the loss or damage occurred during the Trip - otherwise no claim will be paid.
Curtailment claims will be calculated from the date of return to the UK Area.
What is not covered:
any disinclination to travel or continue a) travelling, unless Your change of travel plans is caused by one of the circumstances listed under What is Covered;
b) any claim arising directly or indirectly from a known Pre-existing Medical Condition affecting You unless You have declared ALL Pre-existing Medical Conditions to Us and We have written to You accepting them for insurance;
c) any claim arising directly or indirectly from a Pre-existing Medical Condition, known to You prior to the commencement of the Period of Insurance, affecting any Close Relative, travelling companion who is not insured under this policy or person with whom You intend to stay whilst on Your Trip if during the 90 days immediately prior to the commencement of the Period of Insurance they had:
- required surgery, inpatient treatment or hospital consultations; or
- required any form of treatment or prescribed medication; or
- if they were on a waiting-list for, or had knowledge of the need for, surgery, inpatient treatment or investigation at any hospital or clinic at the commencement of the Period of Insurance; or
- if a terminal diagnosis had been received prior to the commencement of the Period of Insurance.
d) Cancellation because of pregnancy or childbirth unless the Cancellation is certified by a Medical Practitioner as necessary due to actual medical complications;
e) claims arising from actual or planned Strike or Industrial Action which was common knowledge at the time You booked the Trip;
f) any costs in respect of any unused pre-paid travel costs when We have paid to repatriate You;
g) withdrawal from service of the aircraft, sea vessel, coach or train on which You are booked to travel, by order or recommendation of the regulatory authority in any country. You should direct any claim in this case to the transport operator involved;
h) failure by the provider of any part of the booked Trip to supply the service or transport (whether as the result of error, insolvency, omission, default or otherwise). You should direct any claim in this case to the provider involved;
i) change of plans due to Your financial circumstances except if You are made redundant and qualify for redundancy payment under current EU legislation;
j) any claim arising as a result of attendance of an Insured Person, or any other person on whom the holiday plans depend, in a Court of Law. This exclusion will not apply if You are called up for Jury Service or are subpoenaed as a witness (other than in any professional or advisory capacity);
k) any Cancellation or Curtailment caused by work commitment or amendment of Your holiday entitlement by Your employer;
l) any claim resulting from Your inability to travel due to an Insured Persons failure to hold, obtain or produce a valid passport or any required visa in time for the booked Trip;
m) prohibitive regulations by the Government of any country, or delay or amendment of the booked Trip due to Government action;
n) the £65 Policy Excess except where You have paid the Excess Waiver Premium. If You are claiming only for loss of deposit then the excess is reduced to £25 per Insured Person per claim;
o) the cost of this policy;
p) anything mentioned in the General Exclusions.

SECTION 7 MISSED DEPARTURE ON THE OUTWARD JOURNEY
What is covered:
For Comprehensive policies only, We will pay for reasonable additional travelling and accommodation expenses necessarily incurred to reach the booked destination by the most direct alternative route, up to a maximum of £600 per each Insured Person if You arrive at the airport, port or international coach or rail terminal too late to commence the outward journey abroad of Your booked Trip, as a result of:
- breakdown of or accident involving the vehicle in which You are travelling; or
- cancellation or curtailment of scheduled public transport due to adverse weather conditions, Strike or Industrial Action or mechanical breakdown, derangement or accident;
We will provide assistance by liaising with the Carrier and/or Tour Operator to advise of Your late arrival and, as necessary, We will make arrangements for overnight hotel accommodation and alternative international travel.
Special conditions relating to claims
You must take every reasonable step to commence and complete the journey to the departure point and check in for the flight, sea crossing, coach or train journey on time.
You must obtain written confirmation from the Carrier stating the period and reason for delay.
What is not covered:
a) claims arising from actual or planned Strike or Industrial Action which was common knowledge at the time You booked the Trip;
b) withdrawal from service of the aircraft, sea vessel, coach or train on which You are booked to travel, by order or recommendation of the regulatory authority in any country. You should direct any claim to the transport operator involved;
c) additional costs where the scheduled public transport operator has offered reasonable alternative travel arrangements;
d) claims for additional mechanical wear and tear or depreciation of Your vehicle or for mileage charges other than additional fuel and oil;
e) claims under this Section in addition to claims under Section 6 (Travel Delay);
f) claims due to You allowing insufficient time to complete Your journey to the departure point;
g) any claim if You have purchased Pioneer Cover;
h) anything mentioned in the General Exclusions.

SECTION 6 TRAVEL DELAY
What is covered:
For Comprehensive policies only, if the departure of any international flight, sea crossing or coach or train journey forming part of a booked Trip and specified on Your ticket, is delayed as a direct result of Strike, Industrial Action, adverse weather conditions, failure of air traffic control systems, or mechanical breakdown of aircraft, sea vessel, coach or train:
- For more than 12 hours beyond the intended departure time: We will pay You the sum of £20 per each Insured Person for the first 12 hours Your departure is delayed and a further £10 per each Insured Person for each subsequent full 12 hours delay, up to a maximum of £250 in all per each Insured Person per Trip; or
- For more than 12 hours beyond the intended departure time on the first outbound flight, sea crossing or coach or train: You can choose instead to abandon Your Trip and submit a Cancellation claim under Section 1 up to a maximum of £3,000 per each Insured Person.
Special conditions relating to claims
If You suffer delays You must obtain written confirmation from the Carrier stating the period and reason for delay.
What is not covered:
a) claims arising from actual or planned Strike or Industrial Action which was common knowledge at the time You made travel arrangements for the Trip;
b) withdrawal from service of the aircraft, sea vessel, coach or train on which You are booked to travel, by order or recommendation of the regulatory authority in any country. You should direct any claim to the transport operator involved;
c) claims where You have not obtained written confirmation from the Carrier stating the period and reason for delay;
d) any claim arising in connection with a Trip solely within the UK Area;
e) any claim if You have purchased Pioneer Cover;
f) anything mentioned in the General Exclusions.

SECTION 6 TRAVEL DELAY
What is covered:
For Comprehensive policies only, if the departure of any international flight, sea crossing or coach or train journey forming part of a booked Trip and specified on Your ticket, is delayed as a direct result of Strike, Industrial Action, adverse weather conditions, failure of air traffic control systems, or mechanical breakdown of aircraft, sea vessel, coach or train:
- For more than 12 hours beyond the intended departure time: We will pay You the sum of £20 per each Insured Person for the first 12 hours Your departure is delayed and a further £10 per each Insured Person for each subsequent full 12 hours delay, up to a maximum of £250 in all per each Insured Person per Trip; or
- For more than 12 hours beyond the intended departure time on the first outbound flight, sea crossing or coach or train: You can choose instead to abandon Your Trip and submit a Cancellation claim under Section 1 up to a maximum of £3,000 per each Insured Person.
Special conditions relating to claims
If You suffer delays You must obtain written confirmation from the Carrier stating the period and reason for delay.
What is not covered:
a) claims arising from actual or planned Strike or Industrial Action which was common knowledge at the time You made travel arrangements for the Trip;
b) withdrawal from service of the aircraft, sea vessel, coach or train on which You are booked to travel, by order or recommendation of the regulatory authority in any country. You should direct any claim to the transport operator involved;
c) claims where You have not obtained written confirmation from the Carrier stating the period and reason for delay;
d) any claim arising in connection with a Trip solely within the UK Area;
e) any claim if You have purchased Pioneer Cover;
f) anything mentioned in the General Exclusions.

SECTION 11 PERSONAL LIABILITY
What is covered:
If in the course of a Trip You become legally liable for accidental bodily injury to, or the death of, any person and/or accidental loss of or damage to their property, then:
On condition that there is no other insurance in force covering the loss, the material damage or Your liability, We will indemnify You (or in the event of Your death, Your legal personal representatives) against:
- all sums which You shall become legally liable to pay as compensation; and
- all law costs awarded to any claimant or incurred in the defence of any claim that is contested by Us or with Our consent.
We will pay You up to a maximum, including costs, of £2,000,000 Comprehensive/£500,000 Pioneer under this policy. This limit applies to any and all claimants in any one Period of Insurance affected by any and all occurrences with any one original cause.
What is not covered:
a) injury to, or the death of, any member of Your family or household, or any person in Your service;
b) property belonging to, or held in trust by You or Your family, household or servant;
c) loss of or damage to property which is the legal responsibility of You or Your family, household or servant. (This exclusion will not apply to temporary accommodation which You occupy and for which You assume contractual responsibility during Your Trip);
d) any liability which attaches by virtue of a contractual agreement, but which would not exist in law in the absence of such an agreement;
e) claims for injury, loss or damage arising directly or indirectly from:
- ownership or use of: airborne craft; horse-drawn, motorised, mechanically-propelled or towed vehicles; vessels (other than row boats, punts or canoes); animals (other than horses, domestic dogs or cats); firearms;
- the pursuit or exercise of any trade, profession or gainful occupation, or the supply of goods and services by You;
- the ownership or occupation of any land or building;
- wilful or malicious acts.
f) liability or material damage for which indemnity is provided under any other insurance;
g) accidental injury or loss not caused through Your negligence;
h) any injury, illness, death, loss, expense or other liability attributable to the transmission of any communicable disease or virus, or to HIV (Human Immunodeficiency Virus) and/or any HIV related illness including AIDS and/or any mutant derivatives or variations thereof however caused;
i) an Insured Person engaging in any Special Sports and Activities or Winter Sports where this policy specifically states that Personal Liability cover is excluded (regardless of whether the Special Sports and Activities or Winter Sports premium has been paid);
j) any claim arising in connection with a Trip solely within the UK Area;
k) the £65 Policy Excess if You have purchased the Comprehensive Cover except where You have paid the Excess Waiver Premium;
l) anything mentioned in the General Exclusions.

SECTION 16 CATASTROPHE
What is covered:
For Comprehensive policies only, We will pay You up to a maximum of £500 per each Insured Person for the cost of providing other similar accommodation if Your booked accommodation cannot be lived in because of a fire, flood, earthquake or storm.
What is not covered:
a) any expenses that You can get back from any tour operator, airline, hotel or other provider of services;
b) any expenses that You would normally have to pay during the period of Your journey/holiday;
c) any claim resulting from You travelling against the advice of the appropriate national or local authority You must give Us a written statement from an appropriate public authority confirming the reason and nature of the disaster and how long it lasted;
d) any event that results in a claim under this Section which was known about before You left from Your international departure point; and
e) You must give Us evidence of all the extra costs You had to pay;
f) any claim if You have purchased Pioneer Cover;
g) anything mentioned in the General Exclusions.

What you must do in the event of a medical emergency and in all cases involving repatriation or curtailment
Inter Group Assistance Services - 24 hour emergency service
Inter Group Assistance Services are open 24 hours a day, 365 days a year.
Inter Group Assistance Services MUST be contacted as soon as possible in the event of you dying, incurring medical expenses in excess of £250 being involved in an accident, being admitted to hospital, curtailing for medical reasons or missing your flight due to medical reasons.
Any minor illness or injury costs resulting in a claim should be paid by you, a receipt obtained and the amount reclaimed from Inter Group Claims Service within 31 days of the event.
Inter Group Assistance Services will provide immediate help of you are ill or injured outside the United Kingdom, Channel Islands or Republic of Ireland. They provide a 24 hour emergency service 365 days a year and you can contact them on: Emergency Number UK (44)1252 740 020
Emergency Fax Number +44 1252 740 110 Quote reference IGCS1487
When you contact Inter Group Assistance Services, you will need to say you are insured with "Whitehorse" and give the following information:
Your name, Your address, Your telephone number abroad, Your certificate number noted on Your certificate or booking invoice.
Inter Group Assistance Services should only be contacted in a medical emergency.

SECTION 8 PERSONAL LUGGAGE
What is covered:
For Comprehensive policies only, If, in the course of a Trip, Your Personal Luggage is damaged, stolen, destroyed or lost (and not recovered), We will pay You up to a maximum of £2,000 per each Insured Person in total under this policy.
Within this amount the following sub-limits apply:
- The maximum We will pay You for all articles lost, damaged or stolen in any one incident is limited to £300 if You cannot provide satisfactory proof of ownership and value.

GENERAL EXCLUSIONS APPLYING TO ALL SECTIONS
No Section of this policy shall apply in respect of:
1. Any person who is over 84 years of age at the commencement of the Period of Insurance for a Comprehensive Single Trip policy, over 44 years of age at the commencement of the Period of Insurance for a Pioneer Single Trip policy or over 74 years of age at the commencement of the Period of Insurance for an Annual Multi-trip policy.
2. Any person practicing in Winter Sports who has reached the age of 65 years prior to the commencement of the Period of Insurance.
3. Claims arising from a Material Fact or facts, which have not been disclosed to Us and accepted by Us in writing prior to the commencement of the Period of Insurance (or, in the case of Annual Multi-trip cover, prior to the commencement of any Trip).
4. Loss, damage or expense which at the time of happening is insured by, or would, but for the existence of this policy, be insured by any other existing certificate, policy or any motoring organisations service. If You have any other policy in force, which may cover the event for which You are claiming, You must tell Us.
This exclusion shall not apply to Personal Accident cover under Section 12.
5. Costs which would have been payable if the event being the subject of a claim had not occurred (for example, the cost of meals which You would have paid for in any case).
6. Consequential losses of any nature other than as specifically provided within the terms and conditions of this policy.
7. Costs of telephone calls or faxes, meals, taxi fares (with the sole exception of the taxi costs incurred for the initial journey to a hospital abroad due to an Insured Persons illness or injury), interpreters fees, inconvenience, distress, loss of earnings, loss of enjoyment of holiday, time-share maintenance fees, holiday property bonds or points and any additional travel or accommodation costs (unless pre-authorised by Us or part of a valid claim under Section 1 (Cancellation, Curtailment & Trip Interruption), Section 2 (Medical Emergency & Repatriation), Section 4 (Additional Accommodation & Travelling Costs) or Section
10 (Money & Passport)).
8. Any claim under Sections 1, 2, 3, 4 or 5 arising directly or indirectly from pregnancy within 10 weeks (or 16 weeks in the case of a known multiple pregnancy) of the estimated date of delivery.
9. Any deliberately careless or deliberately negligent act or omission by You.
10. Any claim arising or resulting from Your own illegal or criminal act.
11. Needless self-exposure to peril except in an endeavour to save human life.
12. Any claim arising directly or indirectly from Your drug addiction or solvent abuse, excessive alcohol intake, or You being under the influence of alcohol or drug(s).
13. Any claim arising or resulting directly or indirectly from Your suicide, attempted suicide, or intentional self-injury.
14. Any claim under Sections 1, 2, 3, 4, 5 or 11 arising directly or indirectly from sexually transmitted diseases.
15. The Insured Person engaging in Manual Work in conjunction with any profession, business or trade during the Trip.
16. The Insured Person engaging in any Special Sports and Activities or Winter Sports unless the appropriate Special Sports & Activities or Winter Sports extension premium required has been paid.
17. The Insured Person engaging in or practising for the following sports and activities: American Football, Banana Boat Riding (includes Ringos and Tube Riding), Big Game Hunting, BMX Riding, Bobsleighing, Boxing, Canyoning, Cave Diving, Flying (other than as a fare paying passenger on a commercial airline), Freestyle skiing, Gliding, Go Karting, Hang Gliding, Heli-skiing, High Diving, Ice hockey, Luging, Motor Sport (any type), Mountaineering, Off-piste skiing in areas designated as unsafe by resort management, Off-piste skiing where there is an avalanche warning in place, Off-piste snowboarding in areas designated as unsafe by resort management, Off-piste snowboarding where there is an avalanche warning in place, Parachuting, Paragliding overland, Parapenting, Polo, Pot Holing, Quad Biking, Rock Climbing, Scuba Diving below a depth of 30 metres, Shooting/Hunting, Skeletons, Ski acrobatics, Ski bob racing, Ski flying, Ski jumping, Ski racing or training, Ski stunting, Ski-doing, Snow mobiling, Tobogganing, Weight Lifting, White Water Rafting grade 4 or above or any other sports not mentioned in this policy unless cover has been accepted by Us in writing prior to the commencement of the Period of Insurance. If You are undertaking a pursuit or activity which is not listed in this policy or are in any doubt as to whether cover will apply, please call Our Travel Helpline on 08444 82 3400.
18. Participation in any organised competition involving any Special Sports and Activities or Winter Sports.
19. The Insured Person fighting except in self-defence.
20. Notwithstanding any provision to the contrary within this insurance, or any endorsement thereto, it is agreed that this insurance excludes any loss or expense of whatsoever nature directly or indirectly caused by, resulting from, or in connection with any of the following regardless of any other cause or event contributing concurrently or in any other sequence to the loss: War, hostilities or warlike operations (whether war be declared or not); invasion; act of an enemy foreign to the nationality of the Insured Person or the country in, or over, which the act occurs; civil war; riot; rebellion; insurrection; revolution; overthrow of the legally constituted government; civil commotion assuming the proportions of, or amounting to, an uprising; military or usurped power; explosions of war weapons; release of weapons of mass destruction that do not involve an explosive sequence; murder or assault subsequently proved beyond reasonable doubt to have been the act of agents of a state foreign to the nationality of the Insured Person whether war be declared with that state or not; terrorist activity.
For the purpose of this exclusion terrorist activity means an act, or acts, of any person, or group(s) of persons, committed for political, religious, ideological or similar purposes with the intention to influence any government and/or to put the public, or any section of the public, in fear. Terrorist activity can include, but not be limited to, the use of force or violence and/or the threat thereof. Furthermore, the perpetrators of terrorist activity can either be acting alone, or on behalf of, or in connection with any organisation(s) or government(s). Also excluded hereon is any loss or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any action taken in controlling, preventing, or suppressing any, or all, of the above incidents. In the event any portion of this exclusion is found to be invalid or unenforceable, the remainder shall remain in full force and effect. This exclusion does not apply to claims under Section 2 (Medical Emergency & Repatriation) and Section 12 (Personal Accident).
21. The Insured Person travelling to a country or specific area or event to which the Foreign and Commonwealth Office has advised persons not to travel.
22. Loss or destruction or damage or any expense whatsoever resulting from: ionising radiation or contamination by radioactivity from any nuclear waste from the combustion of nuclear fuel, or the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof.
23. Delay, loss, damage, injury or consequential loss, directly or indirectly caused by the actual or potential inability of any computer, data processing equipment or media, microchip, integrated circuit or similar device, or any computer software or stored programme to correctly recognise any date as its true calendar date or to continue to function correctly in respect of or beyond that date - except under Section 2 (Medical Emergency & Repatriation), and Section 12 (Personal Accident).
24. Delay, loss, damage, injury or consequential loss, directly or indirectly caused by the actual or potential inability of any computer, data processing equipment or media, microchip, integrated circuit or similar device, or any computer software or stored programme to correctly operate as a result of a computer virus - except under Section 2 (Medical Emergency & Repatriation), and Section 12 (Personal Accident). Computer viruses include any program or software, which prevents any operating system, computer program or software working properly or at all.
25. Any claim when You have not paid the appropriate premium for the number of days comprising Your planned Trip, regardless of when the event resulting in the claim occurred.
26. Consequential loss of any kind arising from the provision of, or any delay in providing, the services to which this policy relates, unless negligence on Our part can be demonstrated.
27. Any loss or damage directly or indirectly caused by the provision of, or any delay in providing, the medical (or medical related) services to which the cover under this policy relates, whether provided by us or by anybody else (whether or not recommended by us and/or acting on our behalf) unless negligence on Our part can be demonstrated.

GENERAL EXCLUSIONS APPLYING TO ALL SECTIONS
No Section of this policy shall apply in respect of:
20. Notwithstanding any provision to the contrary within this insurance, or any endorsement thereto, it is agreed that this insurance excludes any loss or expense of whatsoever nature directly or indirectly caused by, resulting from, or in connection with any of the following regardless of any other cause or event contributing concurrently or in any other sequence to the loss: War, hostilities or warlike operations (whether war be declared or not); invasion; act of an enemy foreign to the nationality of the Insured Person or the country in, or over, which the act occurs; civil war; riot; rebellion; insurrection; revolution; overthrow of the legally constituted government; civil commotion assuming the proportions of, or amounting to, an uprising; military or usurped power; explosions of war weapons; release of weapons of mass destruction that do not involve an explosive sequence; murder or assault subsequently proved beyond reasonable doubt to have been the act of agents of a state foreign to the nationality of the Insured Person whether war be declared with that state or not; terrorist activity.
For the purpose of this exclusion terrorist activity means an act, or acts, of any person, or group(s) of persons, committed for political, religious, ideological or similar purposes with the intention to influence any government and/or to put the public, or any section of the public, in fear. Terrorist activity can include, but not be limited to, the use of force or violence and/or the threat thereof. Furthermore, the perpetrators of terrorist activity can either be acting alone, or on behalf of, or in connection with any organisation(s) or government(s). Also excluded hereon is any loss or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any action taken in controlling, preventing, or suppressing any, or all, of the above incidents. In the event any portion of this exclusion is found to be invalid or unenforceable, the remainder shall remain in full force and effect. This exclusion does not apply to claims under Section 2 (Medical Emergency & Repatriation) and Section 12 (Personal Accident).

GENERAL EXCLUSIONS APPLYING TO ALL SECTIONS
No Section of this policy shall apply in respect of:
20. Notwithstanding any provision to the contrary within this insurance, or any endorsement thereto, it is agreed that this insurance excludes any loss or expense of whatsoever nature directly or indirectly caused by, resulting from, or in connection with any of the following regardless of any other cause or event contributing concurrently or in any other sequence to the loss: War, hostilities or warlike operations (whether war be declared or not); invasion; act of an enemy foreign to the nationality of the Insured Person or the country in, or over, which the act occurs; civil war; riot; rebellion; insurrection; revolution; overthrow of the legally constituted government; civil commotion assuming the proportions of, or amounting to, an uprising; military or usurped power; explosions of war weapons; release of weapons of mass destruction that do not involve an explosive sequence; murder or assault subsequently proved beyond reasonable doubt to have been the act of agents of a state foreign to the nationality of the Insured Person whether war be declared with that state or not; terrorist activity.
For the purpose of this exclusion terrorist activity means an act, or acts, of any person, or group(s) of persons, committed for political, religious, ideological or similar purposes with the intention to influence any government and/or to put the public, or any section of the public, in fear. Terrorist activity can include, but not be limited to, the use of force or violence and/or the threat thereof. Furthermore, the perpetrators of terrorist activity can either be acting alone, or on behalf of, or in connection with any organisation(s) or government(s). Also excluded hereon is any loss or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any action taken in controlling, preventing, or suppressing any, or all, of the above incidents. In the event any portion of this exclusion is found to be invalid or unenforceable, the remainder shall remain in full force and effect. This exclusion does not apply to claims under Section 2 (Medical Emergency & Repatriation) and Section 12 (Personal Accident).

GENERAL CONDITIONS APPLYING TO ALL SECTIONS
No cover will come into force, or continue in force, under 1. Sections 1, 2, 3, 4 and 5, unless each Insured Person, who by reason of the Important Health Requirements must make a Medical Health Declaration in respect of the period for which insurance is required, has declared ALL Pre-existing Medical Conditions to Us and have been formally accepted by Us in writing.
2. Any medical information supplied in a Medical Health Declaration will be treated in the strictest confidence, will be used solely for Our own internal purposes for the assessment of the risk, and will not be disclosed to any outside person or authority without the specific approval of the person whose details are shown in the Medical Health Declaration. We shall not refuse cover unless, in Our opinion, the risk associated with the particular person travelling is substantially greater than that represented by the average healthy traveller. The cost of any medical evidence produced in connection with a Medical Health Declaration shall be borne by You.
3. During each Period of Insurance and before You depart on each Trip You must declare to the Medical Screening Helpline any change in Your health or medical status. This change must be accepted in writing by Us before cover will be continued. If in doubt as to whether any change is material, You should contact the Medical Screening Helpline.
4. You must declare to Us all Material Facts which are likely to affect this insurance. Failure to do so may prejudice entitlement to claim. If You are uncertain as to whether a fact is material, You should declare it to Us.
5. You must exercise reasonable care for the supervision and safety of both You and Your property. You must take all reasonable steps to avoid or minimise any claim. You must act as if You are not insured.
6. You must avoid needless self-exposure to peril unless You are attempting to save human life.
7. We will make every effort to apply the full range of services in all circumstances dictated by the terms and conditions. Remote geographical locations or unforeseeable adverse local conditions may preclude the normal standard of service being provided.
8. You must comply in full with the terms and conditions of this policy before a claim will be paid. Please read this policy carefully, and if unsure as to what is covered or excluded, contact the Travel Helpline on 08444 82 3400.
9. In the event of an emergency or any occurrence that may give rise to a claim for substantial costs under this insurance, You must contact Us as soon as possible.
You must make no admission of liability, offer, promise or payment without Our prior consent. Please Telephone Us first.
10. We are entitled to take over Your rights in the defence or settlement of a claim, or to take proceedings in Your name for Our own benefit against another party and We shall have full discretion in such matters.
11. We may, at any time, pay to You Our full liability under this policy after which no further liability shall attach to Us in any respect or as a consequence of such action.
12. Where it is possible for Us to recover sums that We have paid out under the terms of the policy, You will co-operate fully with Us in any recovery attempt We make and We will pay all costs associated with the recovery of Our outlay. You agree not take any action that may prejudice Our recovery rights and will advise Us if You instigate proceedings to recover compensation arising from any incident which has led to a successful claim against this policy. The sums We have paid out under the terms of the policy will be reimbursed from any recovery made
13. You must take all practicable steps to recover any article lost or stolen and to identify and ensure the prosecution of the guilty person(s). We may at any time and at Our expense take such action as We deem fit to recover the property lost or stated to be lost.
14. In the event of a valid claim You shall allow Us the use of any relevant Travel Documents You are not able to use because of the claim.
15. You must notify Us in writing of any event which may lead to a claim, within 28 days of Your return Home. As often as We require You shall submit to medical examination at Our expense. In the event of the death of an Insured Person We shall be entitled to have a post mortem examination carried out at Our expense. You must supply Us with a written statement substantiating Your claim, together with (at Your own expense) all certificates, information, evidence and receipts that We require.
16. If any fraudulent claim is made or if any fraudulent means or devices are used to obtain any benefit under the insurance, this policy shall become void and the premium paid shall be forfeited. Any benefits so claimed and received must be repaid to Us.
17. We may give 7 days notice of cancellation of this policy by recorded delivery to You at Your last known address. In this case We shall refund to You the unexpired pro-rata portion of the premium You have paid, subject to there having been no known claims or losses.
18. If any dispute arises as to the policy interpretation, or as to any rights or obligations under this policy, We offer You the option of resolving this by using the arbitration procedure We have arranged. Please see the details shown under Customer Satisfaction. Using this service will not affect Your legal rights.
19. You will be required to repay to Us, within one month of Our request to You, any costs or expenses We have paid on Your behalf which are not covered under the terms and conditions of this policy.
20. This policy is subject to the Laws of England and Wales whose courts alone shall have jurisdiction in any disputes.
21. You must pay the appropriate premium for the full number of days comprising Your planned Trip. If Your Trip is planned to exceed the total number of days for which We offer insurance then no cover at all shall apply in respect of that particular Trip and You will need to make alternative insurance arrangements.
22. When engaging in any sport or holiday activity (not excluded under General Exclusion 17) You must accept and follow the supervision and tuition of experts qualified in the pursuit or activity in question, and You must use all appropriate precautions, equipment and protection.
23. Special Sports and Activities and Winter Sports are covered only if You have paid the appropriate additional premium required before departure from the UK Area.
24. Although We are prepared to cover You when undertaking certain sports and activities, the availability of the insurance cover does not, in itself, imply that We or the underwriters consider such sports and activities as safe. At all times You must satisfy yourself that You are capable of safely undertaking the planned sport or activity and You must take care to avoid injury, accident or loss to yourself and to others.