Boots Single Trip - Bronze

Medical expenses
An excess of £50 applies to each insured person for each claim under this section.
We will pay...
- Up to the sum shown in the benefit tables on pages 4 - 6 in total for necessary and reasonable costs you have to pay as a result of you becoming ill, being injured or dying during your trip.
This includes:
- Up to £1,000 in total, if you are hospitalised and your return to the UK is subsequently delayed, for the cost of taxi fares, essential phone calls and meals for you and, with our prior permission, a travelling companion. The sum we will pay to each insured person for each complete period of 24 hours is as follows:
- £10 if you are a Bronze policyholder.
- £20 if you are a Silver policyholder.
- £30 if you are a Gold policyholder.
- Up to £5,000 for the return of your ashes or body to the UK, or for the cost of your funeral in the country where you die, if you die outside the UK.
- Necessary and reasonable emergency medical, surgical or hospital treatment.
- Your return to the UK if we consider it medically necessary and we organise it.
- Reasonable extra travel and accommodation expenses incurred by one person staying with you or travelling to be with you and then travelling home if it is considered medically necessary and authorised by us.
- The cost of a private or single hospital room if our medical practitioner considers it is medically necessary.
- Extra accommodation and travel expenses, which will allow you to return to the UK if you cannot return as you had originally booked, as long as we agree beforehand.
We will not pay...
1. The first £50 of each claim for each insured person under this section.
2. Any hospital in-patient claim where we have not been told as soon as reasonably practicable that you have gone into hospital.
3. Any claim where treatment or surgery in the opinion of our medical practitioner could be delayed until your return to the UK.
4. Any claim resulting from a trip within the UK.
5. Any costs for treatment or surgery you have to pay when you return to the UK, unless they are in relation to claims under the Corrective cosmetic surgery in the UK, Dental treatment in the UK, Home help in the UK or NHS prescription medication in the UK sections of this policy.
6. Any costs you had to pay when you refused to come back to the UK and our medical practitioner considered you fit to return to the UK.
7. Any expenses for treatment or surgery carried out more than 12 months after the date of the initial incident.
8. Costs of dental treatment. Please see the Emergency dental treatment abroad section.
9. Costs of sending any emergency prescription medication. Please see the Sending emergency prescription medication section of this policy.
10. The cost of any medication you were using at the start of your trip.
11. Any amount that can be recovered, by you, from other sources.
12. If claims evidence we ask for cannot be provided.
Claims evidence
- Proof of travel, such as a confirmation invoice or tickets.
- Invoices and receipts for your costs.
Please note that this is not a full list and we may ask for other evidence.

Personal accident
No excess applies to this section.
We will pay...
- Up to the sum shown in the benefit tables on pages 4 - 6 in total to you if you are involved in an accident while on a trip which, solely and independently of any other cause, within 12 months of the accident, results in one or more of the following forms of bodily injury:
- Complete loss of use of your arm or hand.
- Complete loss of use of your leg or foot.
- Complete loss of sight in both your eyes.
- Your permanent total disability.
- Up to the following amounts to your executors or your administrators if you are involved in an accident while on a trip which, solely and independently of any other cause, within 12 months of the accident, results in your death:
- £10,000 if you are a Bronze policyholder.
- £25,000 if you are a Silver policyholder.
- £30,000 if you are a Gold policyholder.
The death benefit is reduced as follows for each insured child aged under 16 years:
- £1,000 if you are a Bronze policyholder.
- £2,500 if you are a Silver policyholder.
- £3,000 if you are a Gold policyholder.
- Only one personal accident claim for each insured person during the period of insurance, as shown on your policy schedule.
We will not pay...
1. If claims evidence we ask for cannot be provided.
Claims advice
- Please phone us on 0845 125 3820 for advice.

Medical expenses
An excess of £50 applies to each insured person for each claim under this section.
We will pay...
- Up to the sum shown in the benefit tables on pages 4 - 6 in total for necessary and reasonable costs you have to pay as a result of you becoming ill, being injured or dying during your trip.
This includes:
- Up to £5,000 for the return of your ashes or body to the UK, or for the cost of your funeral in the country where you die, if you die outside the UK.

Medical expenses
An excess of £50 applies to each insured person for each claim under this section.
We will pay...
- Up to the sum shown in the benefit tables on pages 4 - 6 in total for necessary and reasonable costs you have to pay as a result of you becoming ill, being injured or dying during your trip.
This includes:
- Up to £5,000 for the return of your ashes or body to the UK, or for the cost of your funeral in the country where you die, if you die outside the UK.

Legal costs
No excess applies to this section.
We will pay...
- Up to the sum shown in the benefit tables on pages 4 - 6 in total for all the insured people in connection with any one event leading to a claim for legal costs and expenses as a result of making claims for
compensation and damages resulting from your illness, accidental injury or death during your trip.
Provided:
1. Your claim is reported to us within 180 days of the event.
2. You follow our advice, or that of our representatives and agents, in handling any claim.
3. We have complete control over any legal representatives appointed and any proceedings.
We will not pay...
1. Any claim to which we have not agreed beforehand in writing.
2. Any claim where we or our legal representatives believe that an action is not likely to be successful.
3. Any claim where we or our legal representatives believe that the costs of taking action will be greater than any award.
4. Any costs of making a claim against us, our agents or representatives, Boots UK Limited, any tour operator, accommodation provider, carrier or any person who you have travelled with or arranged to travel with.
5. Any claims arising out of your criminal, malicious, reckless, wilful or deliberate acts.
6. Any legal costs for your injury or death as a result of activities we do not cover.
7. Any fines, penalties or damages you have to pay.
8. Any costs or expenses which are based directly or indirectly on the amount of any award.
9. Any costs of following up a claim for bodily injury, loss or damage caused by or in connection with your trade, profession or business, under contract or arising out of you possessing, using or living on any land
or in buildings.
10. Any claims arising from a trip taken solely within the UK.
11. Any amount that can be recovered, by you, from other sources.
12. If claims evidence we ask for cannot be provided.
Claims advice
- You must tell us that you want to make a claim and follow our advice.

Mugging benefit abroad
No excess applies to this section.
We will pay...
- Up to the sum shown in the benefit tables on pages 4 - 6 in total if, while on your trip, you are admitted into hospital as an in-patient as a result of a mugging. You will receive £100 for each complete period of 24 hours, while you are in hospital.
Provided:
1. You have a valid medical expenses claim under this policy for the same incident.
2. You report the mugging to the police within 24 hours of the incident and obtain a written report.
We will not pay...
1. Any claim where we have not been told as soon as reasonably practicable that you have gone into hospital.
2. If claims evidence we ask for cannot be provided.
Claims evidence
- Proof of travel, such as a confirmation invoice or tickets.
- Proof of hospital admission and discharge dates.
- An incident report from the police.

Hijack benefit
No excess applies to this section.
We will pay...
- Up to the sum shown in the benefit tables on pages 4 - 6 in total if the aircraft or ship in which you are travelling is hijacked.
You will receive £100 for each complete period of 24 hours, while you are hijacked.
We will not pay...
1. If claims evidence we ask for cannot be provided.

Cancelling or cutting short your trip
An excess of £50 applies to each insured person for each claim under this section.
We will pay?
- Up to the sum shown in the benefit tables on pages 4 - 6 for travel, accommodation expenses and pre-paid excursions that you have paid for or have agreed to pay for under a contract and which you cannot get back if it is necessary and unavoidable for you to cancel or cut short your trip.
This includes:
- A proportion of the costs of cutting short your trip, calculated on a pro-rata basis, for each complete day from your arrival back in the UK or to your home for trips made in the UK on a multi trip policy. If you are admitted as an in-patient to a hospital overseas, the pro-rata refund will be based on the number of complete days you have not used whilst you were hospitalised.
- A cash sum equal to the lowest published fare with the same airline if you have bought your flight using frequent-flyer points or air miles.
- Up to £250 for your pre-booked winter sports equipment hire, winter sports tuition and ski-lift pass where you have paid the appropriate premium for winter sports cover.
- Reasonable extra costs for you to return home following the serious illness, serious injury or death of a relative or business associate, as long as we agree beforehand.
Provided:
1. You become ill, are injured or die.
2. A relative, a business associate, a person you have booked to travel with or a relative or friend living abroad who you plan to stay with falls ill, is injured or dies.
3. You are made redundant, as long as you are entitled to payment under the current redundancy payments law, and, at the time of booking your trip, you had no reason to believe that you would be made redundant.
4. You are going to court as a witness but not as an expert witness.
5. You are called for jury service and your request to postpone your service has been rejected.
6. The police require you, or any person you have booked to travel with, to return home during the period of your trip due to a serious fire, flood or burglary at your home or place of business in the UK.
7. An accident happens within 7 days of your departure date that results in the vehicle you were planning to use for your self-drive holiday becoming un-roadworthy.
8. You are put into compulsory quarantine.
9. You are a member of the armed forces or emergency services and you are required for duty due to an un-foreseen and unexpected emergency that requires you to cancel your trip.
10. After you bought this policy or booked your trip the Foreign and Commonwealth Office advises against all but essential travel to your intended destination.
11. You are claiming for travel in the UK under a multi trip policy and your trip is for one night or more and accommodation has been pre-booked.
We will not pay?
1. The first £50 of each claim for each insured person under this section.
2. Costs if you knew you would need to cancel or cut short your trip when you bought this policy or booked your trip.
3. Costs of cutting short your trip unless we agree beforehand.
4. Any claim related to you not wanting to travel.
5. Any extra costs resulting from you not telling the holiday company as soon as you know you have to cancel your trip.
6. If you have made a claim for abandoning your trip under this policy.
7. If you have made a claim for securing your home under this policy.
8. If you have to cut short your trip and do not return to the UK.
9. If you do not have the necessary passport, visa or immunisation.
10. For cancelling or cutting short your trip due to civil commotion, strikes, lock-outs, blockades and/or the actions of any government, or the threat of these events which you knew about when you bought this policy or booked your trip.
11. The money paid for this insurance.
12. Any amount that can be recovered, by you, from other sources.
13. If claims evidence we ask for cannot be provided.
Please note:
Cover under this section starts at the time you book the trip or pay the insurance premium, whichever is later.
If you have a multi trip policy, cover under this section starts at the time you book the trip or from the start date shown under the period of insurance on your policy schedule, whichever is later.
If you are covered under a gap year policy, you may return to the UK once during the period of insurance. Cover is not valid while you are in the UK and for the subsequent outward trip when you leave the UK.
Cover will start again when the insured person arrives at their foreign destination for the rest of the trip. All cover under this policy will end if we pay a claim for you to cut short your trip and return to the UK.
Claims evidence:
Proof of travel, such as a confirmation invoice or tickets.
Depending on the reason for the claim, we need to see:
- A cancellation invoice.
- A medical certificate, which we will send to you, for the appropriate doctor to complete.
- An official letter of redundancy.
- A summons for jury service.
Please note that this is not a full list and we may request other evidence.

Missing your departure
An excess of £50 applies to each insured person for each claim under this section.
We will pay...
- Up to the sum shown in the benefit tables on pages 4 - 6 for reasonable extra costs of travel and accommodation if you arrive at the final point of international departure too late to board the aircraft, coach, ship or train in which you are booked to travel from or to the UK.
Provided:
1. Road traffic congestion delays you by more than 30 minutes.
2. The vehicle in which you are travelling breaks down, is involved in an accident, or public transport services fail.
We will not pay...
1. The first £50 of each claim for each insured person under this section.
2. If you have not left enough time to arrive at your international departure point at or before the recommended time.
3. If your delay is related to industrial action which was public knowledge before you booked your trip.
4. If your trip is solely within the UK.
5. Any amount that can be recovered, by you, from other sources.
6. If claims evidence we ask for cannot be provided.
Claims evidence
- Proof of travel, such as a confirmation invoice or tickets.
- Official evidence to confirm the cause of your late arrival.
- Receipts for extra travel and accommodation costs.
Please note that this is not a full list and we may ask to see other evidence.

Delayed travel
No excess applies to this section.
We will pay...
- Up to the sum shown in the benefit tables on pages 4 - 6 in total for delayed departure or arrival. We will pay if the aircraft, coach, ship or train on which you are booked to travel is delayed due to circumstances
outside your control. You must be delayed for at least 12 hours on either the first international departure from or return to the UK as long as you eventually go on the trip, or on a direct trip to or from the UK
resulting in you arriving at your final destination at least 12 hours after your original scheduled arrival time.
The sum we will pay to each insured person is as follows:
- Bronze cover - £20 for the first 12 hours and £10 for each extra 12 hour period you are delayed.
- Silver cover - £30 for the first 12 hours and £25 for each extra 12 hour period you are delayed.
- Gold cover - £40 for the first 12 hours and £25 for each extra 12 hour period you are delayed.
Provided:
1. You have checked-in for your trip at or before the recommended time.
We will not pay...
1. If your departure or arrival was delayed as a result of a port authority, civil aviation or similar authority delaying your departure.
2. If your departure or arrival was delayed as a result of industrial action which was public knowledge before the booking of your trip.
3. If you have a stand-by (reserve list) ticket.
4. For delays on internal and/or connecting flights.
5. If your trip is solely within the UK.
6. If you have made a claim for abandoning your trip under this policy.
7. If claims evidence we ask for cannot be provided.
Claims evidence
- Proof of travel, such as a confirmation invoice or tickets.
- A letter from your carrier showing the period and cause of delay.

Abandoning your trip
This section does not apply to gap year policyholders.
An excess of £50 applies to each insured person for each claim under this section.
We will pay...
- Up to the sum shown in the benefit tables on pages 4 - 6 towards the cost of your trip if you need to abandon your outward international journey from the UK as a result of a delay, which is beyond your control,
lasting more than 24 hours.
We will not pay...
1. The first £50 of each claim for each insured person under this section.
2. If you eventually go on the trip.
3. If you have checked-in for your journey after the recommended time.
4. If your departure was delayed as a result of a port authority, civil aviation or similar authority delaying your departure.
5. If your departure was delayed as a result of industrial action which was public knowledge before the booking of your trip.
6. If you have a stand-by (reserve list) ticket.
7. If your trip is solely within the UK.
8. If you have made a claim for delayed travel under this policy.
9. Any amount that can be recovered, by you, from other sources.
10. If claims evidence we ask for cannot be provided.
Claims evidence
- Proof of travel, such as a confirmation invoice or tickets.
- A letter from your carrier showing the period of delay and the reasons that caused you to abandon your trip.
- Confirmation of any trip costs that cannot be refunded.

Personal liability
No excess applies to this section.
We will pay...
- Up to the sum shown in the benefit tables on pages 4 - 6 for all losses in the aggregate during the period of insurance, as shown on your policy schedule, if you are found to be legally liable for accidentally injuring someone or causing accidental loss or damage to someone elses property during your trip, including any costs that you may have to pay.
Provided:
1. You help us and give us all the information we need to allow us to act on your behalf.
We will not pay...
1. If you negotiate, pay, settle, admit or deny any claim unless you get our written permission beforehand.
2. If you do not tell us about any legal claim against you as soon as you know about it.
3. Loss arising from any liability for an injury, loss or damage to property:
a. owned by you, a member of your family, your household or a person you employ.
b. in the custody, care or control of you, your family, your household or a person you employ.
4. Loss arising from any liability for death, disease, illness or injury:
a. to your employees, members of your family or household or a person you employ.
b. in connection with your trade, profession or business.
c. in connection with a contract that you have entered into.
d. due to you owning, possessing, using or living on any land or in buildings other than temporary holiday accommodation.
e. due to you owning, possessing or using firearms or weapons, animals, water craft or aircraft of any description or mechanically propelled vehicles other than an electric wheelchair.
f. due to any criminal, malicious or deliberate acts or omissions.
g. arising out of a trip taken within the UK.
5. Any amount that can be recovered, by you, from other sources.
6. If claims evidence we ask for cannot be provided.
Claims advice
- Do not admit liability, offer or promise compensation.
- Do give details of your name, address and travel insurance policy number.
- Take photographs and videos, and get details of witnesses if you can.
- Tell us immediately about any claim that is likely to be made against you and send us all the documents that you receive.

Cattery and kennel fees
An excess of £50 applies to each insured person for each claim under this section.
We will pay...
- Up to the sum shown in the benefit tables on pages 4 - 6 in total for extra cattery and kennel fees if your return to the UK has been delayed following your illness, your accidental injury or you being a hospital in-patient during your trip.
Provided:
1. You have a valid medical expenses claim under this policy for the same incident.
We will not pay...
1. The first £50 of each claim for each insured person under this section.
2. If your cat or dog was not in a cattery or kennel for the duration of your trip.
3. Any claim arising from a trip taken solely within the UK.
4. Any amount that can be recovered, by you, from other sources.
5. If claims evidence we ask for cannot be provided.
Claims evidence
- An invoice for the cattery or kennel showing the original conditions of the stay.
- An invoice and receipt from a cattery or kennel showing the conditions of the extended stay.

Catastrophe cover
An excess of £50 applies to each insured person for each claim under this section.
We will pay...
- Up to the sum shown in the benefit tables on pages 4 - 6 for reasonable extra costs of travel and accommodation to allow you to continue with your trip if, after you have commenced your trip, you cannot live in your booked accommodation because of damage caused by fire, flood, earthquake, storm, lightning, explosion, hurricane or major outbreak of infectious disease.
We will not pay...
1. The first £50 of each claim for each insured person under this section.
2. If the fire, flood, earthquake, storm, lightning, explosion, hurricane or major outbreak of infectious disease was public knowledge before you started your trip.
3. Any claim arising from a trip taken within the UK.
4. Any amounts that can be recovered by you from other sources.
5. If claims evidence we ask for cannot be provided.
Claims evidence
- Proof of travel, such as a confirmation invoice or tickets.
- Official evidence to confirm the cause of the catastrophe and how long it lasted.
- Receipts for extra travel and accommodation costs.

Activities covered by this policy
Below is a list of some of the activities that you are covered for under this policy.
If you are taking part in an activity whilst on your trip that is not listed below then you must call us on 0845 125 3810 before taking part to establish if it is covered. Failure to do so may mean that cover is not provided.
Banana boating
Boardsailing
Bungee jumping (within organisers guidelines)
Camel riding*
Canoeing/kayaking (up to grade 3 rivers only)
Cycling
Deep sea fishing
Elephant riding* (within organised tour)
Fell walking
Fishing
Go-karting (within organisers guidelines)
Golf
Hill walking/hiking/trekking (below 4,000 metres)
Horse riding (wearing helmets and excludes competitions, racing, jumping, hunting)
Hot air ballooning (within organisers guidelines)
Helicopter rides (within organisers guidelines and provider must have public liability insurance)
Ice skating
Orienteering
Paintballing (wearing eye protection)
Paracending (over water)
Pony trekking
Power boating (no racing)
Rambling
Roller blading/skating (wearing pads and helmets)
Running
Sailing within territorial waters* (includes crewing)
Sailboarding
Safari trekking in a vehicle (within organisers guidelines)
Sea kayaking
Scuba diving to 30 metres (within organisers guidelines)
Shark diving in a cage (no personal accident cover)
Skateboarding (wearing pads and helmets)
Snorkelling
Surfing (water)*
Swimming with dolphins (within organisers guidelines)
Tennis
Volleyball
Wakeboarding
Water polo
Water skiing
White water canoeing/rafting (up to grade 3 only)
Windsurfing
Winter sports - provided the appropriate premium is paid
Yachting* (if qualified)
*No personal liability cover is included when participating in these activities.

General exclusions
We will not pay claims arising as a result of the following:
1. If before you buy this policy you or anyone insured on this policy have a medical condition for which you are taking prescribed medication, unless this was declared to us and accepted by us in writing.
2. If before you buy this policy you or anyone insured on this policy have or have ever had any heart related or blood circulatory condition, any breathing condition or any diabetic condition, unless this was declared to us and accepted by us in writing.
3. If before you buy this policy you or anyone insured on this policy have been referred to or seen a hospital specialist or needed in-patient treatment in the last 12 months, unless this was declared to us and accepted by us in writing.
4. If before you buy this policy you or anyone insured on this policy have any cancerous condition unless this was declared to us and accepted by us in writing (if you have been given the all clear more than 5 years ago and there have been no subsequent recurrences of the cancer then cover is provided without the need to make such a declaration).
5. If before you buy this policy you or anyone insured on this policy are receiving or waiting for hospital investigation or treatment for any undiagnosed medical condition or set of symptoms.
6. If you are travelling against medical advice.
7. If you are travelling with the intention of getting medical treatment or advice.
8. Relating to pregnancy or childbirth, if you are more than 24 weeks pregnant at the start of or during your trip.
9. Relating to a multiple pregnancy.
10. Arising or resulting from emotional, mental or depressive illness of any type.
11. If you have been given a terminal prognosis.
12. Arising or resulting from your suicide or your attempted suicide.
13. Arising or resulting from injuring yourself deliberately or putting yourself in danger (unless you are trying to save a human life).
14. If before you buy this policy you know of a set of circumstances which could reasonably be expected to lead to a claim being made.
15. Arising from any trip in, to or through the following countries: Afghanistan, Cuba, Liberia or Sudan.
16. If you are on any official government or police database of suspected or actual terrorists, members of terrorist organisations, drug traffickers or illegal suppliers of nuclear, chemical or biological weapons.
17. Resulting from you travelling to a specific country or to an area where the Foreign and Commonwealth Office have advised against all but essential travel.
18. Caused directly or indirectly by civil commotion or riots of any kind.
19. Arising out of war, civil war, invasion, insurrection, revolution, use of military power or usurpation of government or military power.
20. Arising from ionising radiation or contamination by radioactivity from any nuclear fuel or nuclear waste from the burning of nuclear fuel.
21. Arising from radioactive, toxic, explosive or other dangerous properties of any explosive nuclear equipment or any part of it.
22. If at the time of loss, damage or liability arising under this policy there is any other insurance covering the same loss, damage or liability. We will only pay our share.
23. Arising from you flying other than as a fare-paying passenger in a fully licensed passenger carrying aircraft.
24. Arising from you taking part in manual work involving physical labour, apart from bar and restaurant work and the hand picking of fruit.
25 .Arising from using a two-wheeled motor vehicle as a driver or passenger if you are not wearing a crash helmet or the driver is not a holder of a full UK category A motorcycle licence.
26. Arising from changes in exchange rates.
27. For any expenses that you would normally have to pay regarding your trip.
28. For any other loss connected to an event you are claiming for, unless we cover it under this insurance.
29. Resulting from any person, firm or company becoming insolvent and being unable or unwilling to fulfil any part of their obligation to you.
30. Arising or resulting from you being involved in any illegal or criminal act (other than claims arising under incarceration cover).
31. Resulting from you being under the influence of or in connection with the use of alcohol or drugs, unless the drugs are prescribed by a medical practitioner.
32. Resulting from you taking part in an activity that is not listed on page 55 and has not been declared to us and accepted for cover.
If you are unsure if your activity is covered, you must call us on 0845 125 3810 before taking part in the activity.
33. Arising from winter sports unless you have paid the appropriate premium for winter sports cover.

General conditions
1. You must have been resident in the UK for at least 6 of the last 12 months prior to taking out the policy and be registered with a GP in the UK at the time you buy the policy.
2. You must be under the following age limits when you buy or renew the policy.
City break - 75
Single trip - 75
Multi trip - 70
Gap year - 35
3. You must have answered the questions on your application correctly when you bought the policy and you must have subsequently notified Boots Travel Insurance about anything that may affect their decision to accept your insurance, for example, medical conditions or taking part in high-risk activities.
4. You must contact Boots Travel Insurance within 30 days if anyone covered by this insurance develops a medical condition, anticipates any tests or consultations for a medical condition, if a previously declared medical condition deteriorates, if they or you no longer resides in the UK, or if your address has changed, whilst covered by this policy.
5. You must comply with all the conditions of this insurance. If you do not, we may not pay your claim.
6. You cannot transfer your interest in this policy to anyone else.
7. You must take all reasonable steps to avoid or reduce any loss.
8. If we ask, you must agree to have a medical examination and allow us access to your medical records. In case of death, a post-mortem examination may be required.
9. You must give us all the evidence we need to deal with a claim. You will be responsible for any costs involved in doing this.
10. If any claim is found to be fraudulent, this policy may not apply and all claims will be forfeited.
11. You must pay us back, within 30 days of us asking, any amounts that we have paid to you which are not covered by this policy.
12. If you pay us by direct debit you cannot cancel the monthly premium installment agreement. If you miss a monthly direct debit payment we will send you a reminder asking for payment by a certain date. If you
do not pay, or you miss this date, all cover under this policy will cease unless agreed by us in writing.
13. If you do want to continue cover but would like to cancel the direct debit, you must write to Boots Travel Insurance at the address given on your policy schedule.
14. If you pay by direct debit, we will automatically renew your policy unless you fall outside of the new terms and conditions of the insurance. We will write to you before your policy is due to be automatically
renewed, to advise you of the changes to the policy and we will ask you to contact us if your circumstances have changed since you last bought.
15. We may cancel this policy by writing to you at your last known address by recorded delivery, giving you 14 days notice.