Columbus Annual - Standard

11 days w/s

MEDICAL CONDITIONS
We will not pay for any claim incurred as a consequence of a medical condition suffered by you, or for which medication, advice or treatment has been given to you in the last 12 months, unless this has been declared and accepted by us in writing. You must notify us immediately you become aware of any change regarding your health. We will not pay additional costs incurred following any change in medical condition, unless this has been declared to and accepted by us in writing. (This means that if you make further payments e.g. book another trip or pay the final balance of a trip previously booked, or if there is an increase in the cancellation charges due to you not contacting us immediately, we are not liable for these additional costs). We will notify you in writing of any amendments to your policy conditions and advise you of any additional premium that may be required. In certain cases we may be unable to offer cover. We reserve the right not to extend this insurance. We cannot extend cover for claims relating to your travelling companion, an immediate relative or close business associate or a person with whom you have arranged to stay. Please refer to Section 1, Cancellation and Section 2, Curtailment for full terms and conditions.

SECTION 3 EMERGENCY MEDICAL EXPENSES / REPATRIATION
Covered
You are covered up to the amount specified on your policy schedule for costs incurred outside your country of residence for:
1. Reasonable emergency medical treatment (including necessary physiotherapy but only when authorised by the Assistance Service);
2. emergency dental treatment (for pain relief only), limited to £200;
3. reasonable and necessary additional accommodation (bed and breakfast only) and travelling expenses (on the same basis as your original booking). This includes those of one relative or travel companion if you have to be accompanied home on medical advice or on compassionate grounds or if you are a child and require an escort home (in the event that they have applied for and received written authorisation from the Assistance Service);
4. repatriation to your home by medically appropriate means, as determined by the Assistance Service;
5. in the event of your death: reasonable costs for the transport of your body or ashes to your country of residence (the cost of burial or cremation is not included); or local funeral expenses abroad, limited to £1,000.
6. complications with pregnancy occurring prior to the last 12 weeks (16 weeks for a multiple birth) of the expected date of delivery, provided you have not had any complications with this or any previous pregnancy).
Conditions
1. You must contact the Assistance Service immediately should you be admitted to hospital or require on-going out-patient treatment overseas.
2. All treatment or expenses must be authorised by the Assistance Service.
3. You must maintain contact with the Assistance Service until your return to your country of residence or until you no longer require treatment or assistance.
4. If you are travelling to a country in the European Union, you must take with you a completed form E111. We will waive the policy excess under this Section if you use the E111 form or another reciprocal health agreement to reduce the amount of your claim.
5. If you require medical treatment in Australia, you must register with Medicare via their local office. (Any treatment not available under Medicare must be authorised by the Assistance Service).
6. In the event of repatriation, any value remaining in unused original return travel tickets which is recoverable shall be deducted from the amount of the claim.
7. We reserve the right to:
a. repatriate you when, in the opinion of the treating doctor and the Assistance Service, you are fit to travel;
b. avoid further liability in the event that you refuse repatriation when, in the opinion of the treating doctor and the Assistance Service, you are fit to travel;
c. transfer you to the hospital, clinic or location of our choice when, in the opinion of the treating doctor and the Assistance Service, you are fit to be transferred.
24 hour Assistance Service Telephone Number: +44 (0) 870 905 8545
Not Covered
1. the policy excess of £50;
2. any medical or dental treatment costs incurred in the United Kingdom or your country of residence;
3. any transport or accommodation costs incurred in the United Kingdom or your country of residence, unless authorised by the Assistance Service;
4. any costs covered under a reciprocal health arrangement (e.g. E111 within EU countries, reciprocal cover in Austria, Channel Islands, Eire and New Zealand, Medicare in Australia);
5. any costs recoverable from another source; (e.g. where another insurance may cover the same loss);
6. medical costs relating to pregnancy, other than complications of pregnancy, provided you have not had any complications with this or any previous pregnancy;
7. any claim where at the time of taking out this insurance, the person whose condition gives rise to the claim is an in-patient in (or awaiting admission or booked to be admitted to) a hospital, hospice or nursing home;
8. any claim where at the departure date, you or your travel companion are travelling against the advice of a medical practitioner or travelling for the purposes of obtaining medical treatment;
9. any claim arising directly or indirectly as a result of a medical condition (see Definitions Applicable to the Whole Policy) suffered by you, unless declared to us, agreed by us on your insurance schedule and additional premium paid if required;any claim arising directly or indirectly as a result of a change regarding your health (including injury and pregnancy: please refer to separate terms and conditions relating to pregnancy, as per Covered, point no.6) occurring before the start of your trip, which has not been declared to and accepted by us in writing;
10. any claim arising directly or indirectly as a result of a change regarding your health (including injury and complications in pregnancy) occurring before the start of your trip, which has not been declared to and accepted by us in writing; any costs for surgery or medical treatment which, in the opinion of the Assistance Service, can reasonably be delayed until your return to your country of residence;
11. any costs for medication and/or treatment which, at the time of departure, is known to be required or continued outside your country of residence;
12. the cost of any routine or elective (non -emergency) care or treatment, including specialist review or referral, investigations, treatment or surgery;
13. claims that are not confirmed as medically necessary by the Assistance Service;
14. additional hospital costs arising from single or private room accommodation, unless medically necessary;
15. further costs you incur if we wish to bring you home early but you refuse (where in the opinion of the treating doctor and the Assistance Service you are fit to travel);
16. travelling on motorcycles over 125cc (unless an endorsement has been issued by us);
17. terrorism, only as the sole result of nuclear, chemical or biological weapons of mass destruction however these may be distributed or combined;
18. anything listed in Exclusions Applicable to the Whole Policy.

SECTION 6 PERSONAL ACCIDENT
Covered
You are covered up to the amount specified on your policy schedule for benefits, which will be paid to you or your legal representative, if you sustain bodily injury caused solely and directly by outward violence and visible means during your trip which, at the end of 12 months of the occurrence of that accident, is the sole cause of:
1. your death;
2. the physical loss of or permanent and total loss of use of one or more limbs at or above the wrist or ankle;
3. the complete and irrecoverable loss of sight in one or both eyes;
4. permanent total disablement which prevents you from attending to any business or occupation in any capacity for a period of 12 months and which, in the opinion of our medical and/or vocational advisors, will not improve;
Conditions
1. Points 2, 3 and 4 above may be subject to the Continental Scale of Benefits (available on request);
2. if you are aged under 16 or over 70 at the time of the accident, the death benefit will be limited to funeral and other reasonable costs up to £3,000 and the permanent total disablement benefit will not apply;
3. The permanent total disablement benefit is limited to 50% if you were not employed for six months prior to the departure date of the trip in which the accident occurred;
4. No benefits shall be paid for more than one loss suffered;
5. You must agree to examination by our medical and/or vocational advisors.
Not Covered
1. any claims caused as a consequence of:
a. disease or any physical defect or illness;
b. an injury which existed prior to the beginning of the trip/purchase of the policy;
2. terrorism, only as the sole result of nuclear, chemical or biological weapons of mass destruction however these may be distributed or combined;
3. anything listed in Exclusions Applicable to the Whole Policy.

SECTION 4 - ADDITIONAL HOSPITAL BENEFIT
This benefit payment contributes towards miscellaneous expenses incurred whilst you are an in-patient (e.g. taxi fares and telephone calls). It does not provide compensation for loss of holiday/enjoyment.
Covered
You are covered up to the amount specified on your policy schedule for:
1. payment of £25 for each complete 24 hours you spend in hospital as a result of you being admitted as an in-patient to a registered hospital. This is in addition to any medical expenses incurred under Section 3, Emergency Medical Expenses. Conditions 1. This benefit is payable only if the hospital admission has been covered under the terms of Section 3, Emergency Medical Expenses.
2. In the event of a claim you must provide documentation confirming the date and time of admission and discharge. Not Covered 1. anything listed in Exclusions applicable to the whole policy.
Not Covered
1. terrorism, only as the sole result of nuclear, chemical or biological weapons of mass destruction however these may be distributed or combined;
2. anything listed in Exclusions Applicable to the Whole Policy

SECTION 3 EMERGENCY MEDICAL EXPENSES / REPATRIATION
Covered
You are covered up to the amount specified on your policy schedule for costs incurred outside your country of residence for:
2. emergency dental treatment (for pain relief only), limited to £200;

SECTION 3 EMERGENCY MEDICAL EXPENSES / REPATRIATION
Covered
You are covered up to the amount specified on your policy schedule for costs incurred outside your country of residence for:
5. in the event of your death: reasonable costs for the transport of your body or ashes to your country of residence (the cost of burial or cremation is not included); or local funeral expenses abroad, limited to £1,000.

SECTION 3 EMERGENCY MEDICAL EXPENSES / REPATRIATION
Covered
You are covered up to the amount specified on your policy schedule for costs incurred outside your country of residence for:
5. in the event of your death: reasonable costs for the transport of your body or ashes to your country of residence (the cost of burial or cremation is not included); or local funeral expenses abroad, limited to £1,000.

SECTION 13 LEGAL EXPENSES
Covered
You are covered up to the amount specified on your policy schedule for legal costs and expenses incurred to claim for compensation or damages if you suffer physical bodily injury or you die during the period of your trip as a result of an Accident.
Conditions
1. You must obtain as much information as possible, including police reports, witness details and any photographs and contact the Claims Service as soon as possible, submitting your request in writing.
2. We shall have control over the legal proceedings and the selection, appointment and control of a solicitor. You must follow the advice provided by our appointed legal representatives. Failure to do so will result in cover being withdrawn.
3. In the event that you are awarded legal costs as part of any judgement or settlement, we shall be entitled to repayment by you of any sums paid under this Section.
4. In the event that you are awarded compensation (by judgement or settlement), we shall be entitled to recover from you, any sums paid to you under any Section of this policy on account of the same incident for which compensation is received.
5. If there is more than one insured claiming, we shall apply a maximum limit of double the individual sum insured in respect to all claimants.
Not Covered
1. the policy excess of £200, which will be refunded to you if we recover our outlay in full from the settlement received;
2. any claim reported to us more than 30 days after the occurrence of the incident giving rise to the claim;
3. costs incurred in pursuit of any claim against us, our agents, an Insurer underwriting any section of this policy, a travel agent, a tour operator or carrier;
4. legal expenses incurred either prior to our written acknowledgement granting our support or obtained without our written consent;
5. any claim where we consider a reasonable settlement is unlikely or where the cost of the action could be more than the settlement;
6. any cost for bringing a legal action in more than one country for the same event;
7. actions between members of the same household or a relative or travelling companion, or actions to enforce a judgement or legally binding decision;
8. any amount deducted in legal fees from your compensation or damages, which has been calculated as a proportion or percentage of those damages;
9. the funding of any appeal costs;
10. travel and accommodation expenses incurred in pursuit of a legal action;
11. any contingent fee arrangement between you and your legal representatives;
12. any legal costs resulting from criminal proceedings;
13. any claim for bodily injury sustained as a result of a medical condition(s) caused or happening as a result of travelling or travel conditions, or bodily injury sustained as a result of medical malpractice, any incorrect medical procedure(s) performed or incorrect diagnosis made;
14. anything listed in Exclusions Applicable to the Whole Policy.

SECTION 10 - LOSS OF PASSPORT/DRIVING LICENCE EXPENSES
Covered
In the event of accidental loss or theft of your passport/driving licence, you are covered up to the amount specified on your policy schedule for:
1. reasonable travel or accommodation expenses over and above any payment which you would normally have made during your trip if no loss had been incurred;
2. the cost of an emergency passport to enable you to continue your trip as planned.
Condition
1. You must provide receipts for all costs incurred.
Not Covered
1. the policy excess of £50;
2. any costs that you would have incurred had you not lost your passport or driving licence;
3. if you do not exercise reasonable care for the safety or supervision of your passport/driving licence; costs arising from any loss not covered under Section 9, Cash and Documents;
4. if you do not obtain a written police report within 24 hours of the loss; loss, destruction or damage arising from confiscation or detention by Customs or other officials or authorities;
5. anything listed in Exclusions Applicable to the Whole Policy.

SECTION 10 - LOSS OF PASSPORT/DRIVING LICENCE EXPENSES
Covered
In the event of accidental loss or theft of your passport/driving licence, you are covered up to the amount specified on your policy schedule for:
1. reasonable travel or accommodation expenses over and above any payment which you would normally have made during your trip if no loss had been incurred;
2. the cost of an emergency passport to enable you to continue your trip as planned.
Condition
1. You must provide receipts for all costs incurred.
Not Covered
1. the policy excess of £50;
2. any costs that you would have incurred had you not lost your passport or driving licence;
3. if you do not exercise reasonable care for the safety or supervision of your passport/driving licence; costs arising from any loss not covered under Section 9, Cash and Documents;
4. if you do not obtain a written police report within 24 hours of the loss; loss, destruction or damage arising from confiscation or detention by Customs or other officials or authorities;
5. anything listed in "Exclusions Applicable to the Whole Policy".

SECTION 11 - HIJACK
Covered
You are covered up to the amount specified on your policy schedule for a benefit of £100 for each full 24 hour period during the unlawful seizure or wrongful exercise of control over you or of an aircraft or
conveyance in which you are travelling as a passenger.
1. reasonable travel or accommodation expenses over and above any payment which you would normally have made during your trip if no loss had been incurred, that you have to pay as a result of you needing to replace a lost or stolen passport/driving licence.
Not Covered
1. if you or your family or your business associates have engaged in activities that could be expected to increase the risk of hijack;
2. anything listed in Exclusions Applicable to the Whole Policy.

Winter sports cover is covered under this policy as standard.
WINTER SPORTS COVER
(Ski and Frequent Traveller with Ski policies only) Winter Sports Cover (Frequent Traveller with Ski only) shall be limited to a maximum of 21 total days in the annual policy period for each person who pays the requisite additional premium for Winter Sports Cover. Where the words ski(s) or skiing are used, they also mean snowboard(s) or snowboarding. General Exclusions 1 shall not include:
all forms of skiing and all forms of winter sports.
General Exclusions 1 shall include:
ski jumping, ski flying, heli-skiing outside Europe, ski acrobatics, ski stunting, freestyle skiing, ski racing and training, ski bob racing, parapenting, ice hockey, mountaineering (except incidental to skiing) and the use of skeletons and bobsleighs.

SECTION 18 - WINTER SPORTS EQUIPMENT
(THIS SECTION APPLIES WHEN THE APPROPRIATE PREMIUM HAS BEEN PAID AND COVER IS SPECIFIED ON YOUR POLICY SCHEDULE)
Covered
You are covered up to the amount specified on your policy schedule for the value or repair of your own winter sports equipment (after making proper allowance for wear and tear and depreciation) or hired winter sports equipment, if they are lost, stolen or damaged during your trip. For skis and snowboards over 5 years old the maximum we will pay is £50.
Condition
1. In the event of a claim you must provide the following documentation:
a. loss or theft: a report from police, resort management or tour operator; plus original receipt or proof of ownership and confirmation of second hand value from a specialist dealer where possible.
b. damage: confirmation from a specialist dealer of the damage sustained and repair costs, or confirmation that damage is beyond economic repair, plus the second hand value prior to damage.
Not Covered
1. the policy excess of £50;
2. if you do not adhere to the International Ski Federation code or the resort regulations;
3. anything not covered in Section 8, Baggage;
4. ski jumping, ice hockey, the use of skeletons or bobsleighs, taking part in International and National events, their heats or officially organised practice or training for these events;
5. anything listed in Exclusions Applicable to the Whole Policy .

SECTION 18 - WINTER SPORTS EQUIPMENT
(THIS SECTION APPLIES WHEN THE APPROPRIATE PREMIUM HAS BEEN PAID AND COVER IS SPECIFIED ON YOUR POLICY SCHEDULE)
Covered
You are covered up to the amount specified on your policy schedule for the value or repair of your own winter sports equipment (after making proper allowance for wear and tear and depreciation) or hired winter sports equipment, if they are lost, stolen or damaged during your trip. For skis and snowboards over 5 years old the maximum we will pay is £50.
Condition
1. In the event of a claim you must provide the following documentation:
a. loss or theft: a report from police, resort management or tour operator; plus original receipt or proof of ownership and confirmation of second hand value from a specialist dealer where possible.
b. damage: confirmation from a specialist dealer of the damage sustained and repair costs, or confirmation that damage is beyond economic repair, plus the second hand value prior to damage.
Not Covered
1. the policy excess of £50;
2. if you do not adhere to the International Ski Federation code or the resort regulations;
3. anything not covered in Section 8, Baggage;
4. ski jumping, ice hockey, the use of skeletons or bobsleighs, taking part in International and National events, their heats or officially organised practice or training for these events;
5. anything listed in "Exclusions Applicable to the Whole Policy" .

SECTION 18 - WINTER SPORTS EQUIPMENT
(THIS SECTION APPLIES WHEN THE APPROPRIATE PREMIUM HAS BEEN PAID AND COVER IS SPECIFIED ON YOUR POLICY SCHEDULE)
Covered
You are covered up to the amount specified on your policy schedule for the value or repair of your own winter sports equipment (after making proper allowance for wear and tear and depreciation) or hired winter sports equipment, if they are lost, stolen or damaged during your trip. For skis and snowboards over 5 years old the maximum we will pay is £50.
Condition
1. In the event of a claim you must provide the following documentation:
a. loss or theft: a report from police, resort management or tour operator; plus original receipt or proof of ownership and confirmation of second hand value from a specialist dealer where possible.
b. damage: confirmation from a specialist dealer of the damage sustained and repair costs, or confirmation that damage is beyond economic repair, plus the second hand value prior to damage.
Not Covered
1. the policy excess of £50;
2. if you do not adhere to the International Ski Federation code or the resort regulations;
3. anything not covered in Section 8, Baggage;
4. ski jumping, ice hockey, the use of skeletons or bobsleighs, taking part in International and National events, their heats or officially organised practice or training for these events;
5. anything listed in "Exclusions Applicable to the Whole Policy" .

SECTION 17 WINTER SPORTS PACK
(THIS SECTION APPLIES WHEN THE APPROPRIATE PREMIUM HAS BEEN PAID AND COVER IS SPECIFIED ON YOUR POLICY SCHEDULE)
Covered
You are covered up to the amount specified on your policy schedule for the value of the unused portion of your ski school, lift pass and winter sports equipment hire costs limited to the amount specified on your policy schedule per week, if:
a. you have an accident or you are ill;
b. your lift pass is lost or stolen.
Condition
1. In the event of a claim you must provide the following documentation:
a. accident or illness: medical report confirming the reason and length of time you were unable to undertake your planned activity plus the original lift pass and evidence of initial cost.
b. loss or theft: report from police or resort management plus evidence of initial cost and cost of replacement pass.
Not Covered
1. if you do not adhere to the International Ski Federation code or the resort regulations;
2. anything not covered in Section 8, Baggage;
3. anything not covered in Section 3, Emergency Medical Expenses;
4. ski jumping, ice hockey, the use of skeletons or bobsleighs, taking part in International and National events, their heats or officially organised practice or training for these events;
5. anything listed in Exclusions Applicable to the Whole Policy.

SECTION 17 - WINTER SPORTS PACK
(THIS SECTION APPLIES WHEN THE APPROPRIATE PREMIUM HAS BEEN PAID AND COVER IS SPECIFIED ON YOUR POLICY SCHEDULE)
Covered
You are covered up to the amount specified on your policy schedule for the value of the unused portion of your ski school, lift pass and winter sports equipment hire costs limited to the amount specified on your policy schedule per week, if:
a. you have an accident or you are ill;
b. your lift pass is lost or stolen.
Condition
1. In the event of a claim you must provide the following documentation:
a. accident or illness: medical report confirming the reason and length of time you were unable to undertake your planned activity plus the original lift pass and evidence of initial cost.
b. loss or theft: report from police or resort management plus evidence of initial cost and cost of replacement pass.
Not Covered
1. if you do not adhere to the International Ski Federation code or the resort regulations;
2. anything not covered in Section 8, Baggage;
3. anything not covered in Section 3, Emergency Medical Expenses;
4. ski jumping, ice hockey, the use of skeletons or bobsleighs, taking part in International and National events, their heats or officially organised practice or training for these events;
5. anything listed in "Exclusions Applicable to the Whole Policy".

SECTION 15 PISTE CLOSURE
(THIS SECTION APPLIES WHEN THE APPROPRIATE PREMIUM HAS BEEN PAID AND COVER IS SPECIFIED ON YOUR POLICY SCHEDULE)
Covered
You are covered up to the amount specified on your policy schedule (up to the maximum amount specified on your policy schedule) if there is a lack of snow or bad weather conditions in your holiday resort and the pistes are closed so preventing you from skiing. Cover is only available during the months that constitute the local regular ski season and where you purchased your policy more than 14 days before your departure date.
Condition
1. In the event of a claim you must provide documentation from the resort s management confirming how long the pistes were closed at your resort and the reason.
Not Covered
1. anything listed in Exclusions Applicable to the Whole Policy.

SECTION 15 PISTE CLOSURE
(THIS SECTION APPLIES WHEN THE APPROPRIATE PREMIUM HAS BEEN PAID AND COVER IS SPECIFIED ON YOUR POLICY SCHEDULE)
Covered
You are covered up to the amount specified on your policy schedule (up to the maximum amount specified on your policy schedule) if there is a lack of snow or bad weather conditions in your holiday resort and the pistes are closed so preventing you from skiing. Cover is only available during the months that constitute the local regular ski season and where you purchased your policy more than 14 days before your departure date.
Condition
1. In the event of a claim you must provide documentation from the resort s management confirming how long the pistes were closed at your resort and the reason.
Not Covered
1. anything listed in Exclusions Applicable to the Whole Policy.

SECTION 15 PISTE CLOSURE
(THIS SECTION APPLIES WHEN THE APPROPRIATE PREMIUM HAS BEEN PAID AND COVER IS SPECIFIED ON YOUR POLICY SCHEDULE)
Covered
You are covered up to the amount specified on your policy schedule (up to the maximum amount specified on your policy schedule) if there is a lack of snow or bad weather conditions in your holiday resort and the pistes are closed so preventing you from skiing. Cover is only available during the months that constitute the local regular ski season and where you purchased your policy more than 14 days before your departure date.
Condition
1. In the event of a claim you must provide documentation from the resort s management confirming how long the pistes were closed at your resort and the reason.
Not Covered
1. anything listed in Exclusions Applicable to the Whole Policy.

SECTION 16 WINTER SPORTS HIRE
(THIS SECTION APPLIES WHEN THE APPROPRIATE PREMIUM HAS BEEN PAID AND COVER IS SPECIFIED ON YOUR POLICY SCHEDULE)
Covered
You are covered up to the amount specified on your policy schedule for the reasonable cost of hiring winter sports equipment for the rest of your trip or until your own or hired winter sports equipment has been returned to you, if:
a. your equipment is lost, stolen or damaged; or
b. your equipment is delayed for more than 12 hours on your outward journey.
Condition
1. In the event of a claim you must provide the following documentation:
a. loss or theft: report from police, resort management or tour operator plus receipts showing original and additional hire charges.
b. damage: confirmation from the hire company of damage sustained and additional charges incurred.
c. delay: confirmation from the airline or transport company that your equipment was delayed for over 12 hours on the outward journey plus a receipt showing original and additional hire charges.
Not Covered
1. anything listed in Exclusions Applicable to the Whole Policy.

SECTION 16 - WINTER SPORTS HIRE
(THIS SECTION APPLIES WHEN THE APPROPRIATE PREMIUM HAS BEEN PAID AND COVER IS SPECIFIED ON YOUR POLICY SCHEDULE)
Covered
You are covered up to the amount specified on your policy schedule for the reasonable cost of hiring winter sports equipment for the rest of your trip or until your own or hired winter sports equipment has been returned to you, if:
a. your equipment is lost, stolen or damaged; or
b. your equipment is delayed for more than 12 hours on your outward journey.
Condition
1. In the event of a claim you must provide the following documentation:
a. loss or theft: report from police, resort management or tour operator plus receipts showing original and additional hire charges.
b. damage: confirmation from the hire company of damage sustained and additional charges incurred.
c. delay: confirmation from the airline or transport company that your equipment was delayed for over 12 hours on the outward journey plus a receipt showing original and additional hire charges.
Not Covered
1. anything listed in "Exclusions Applicable to the Whole Policy".

SECTION 8 BAGGAGE
(THIS SECTION APPLIES WHEN THE APPROPRIATE PREMIUM HAS BEEN PAID AND COVER IS SPECIFIED ON YOUR POLICY SCHEDULE)
Covered
A: PERSONAL BAGGAGE
You are covered up to the amounts specified on your policy schedule for the value of or repair to any of your own personal baggage (not hired, loaned or entrusted to you), which is lost, stolen, damaged or destroyed (after making proper allowance for wear and tear and depreciation), limited to:
1. the Single Item Limit specified on your policy schedule for any one item, pair or set of items;
2. the Valuables Limit specified on your policy schedule for all valuables in total;
3. the limit specified on your policy schedule for personal baggage on the beach; The maximum payment for eyeglasses/contact lenses (including sunglasses) shall be £50. You are covered up to the amount specified on your policy schedule for the value of any specified business equipment (used for the sole purpose of carrying out your business) which is accidentally lost, stolen or damaged.
B: DELAYED BAGGAGE
You are covered up to the amount specified on your policy schedule for the cost of buying emergency necessities if your personal baggage is delayed in reaching you on your outward journey for at least 12
hours and you have a written report from the carrier (e.g. airline, shipping company etc.) or tour representative. Receipts will be required in the event of a claim.
Conditions
1. Any amount we pay you under B. (Delayed Baggage) will be deducted from the final claim settlement if your personal baggage is permanently lost.
2. You must obtain written proof of the incident from the police, your accommodation management, tour operator or carrier, within 24 hours of the discovery in the event of loss, burglary or theft of the personal baggage. Failure to do so may result in your claim being turned down.
3. In the event of a claim for damaged items, proof of the damage must be supplied.
4. In the event of a claim for a pair or set of items, we shall be liable only for the value of that part of the pair or set which is lost, stolen, damaged or destroyed.
5. If the repair cost is more than the value of an item, we will assess the claim as if the item has been lost.
Not Covered
1. the policy excess of £50;
2. any item, pair or set of items with a value of over £50, if an original receipt, valuation report or other acceptable proof of ownership and value cannot be supplied to support your claim. The total amount payable for all such items will be £250;
3. if you do not exercise reasonable care for the safety and supervision of your property;
4. personal baggage left unattended by you, unless located in locked accommodation and where an appropriately sized safety deposit box was not available for use by you;
5. personal baggage left in the custody of a person who does not have an official responsibility for the safekeeping of the property;
6. personal baggage stolen from an unattended vehicle:
a. unless it was in the locked glove compartment or locked rear boot or luggage area of the vehicle and is covered so as not to be visible from the outside of the vehicle;
b. if there is no visible evidence of forcible and violent entry;
c. left for any period between the hours of 8pm and 8am (other than motor homes);
7. valuables left in a motor vehicle (other than motor homes, provided the valuables are stored out of view);
8. valuables within checked -in luggage or in luggage compartments/racks not immediately adjacent to you on any form of public transport (other than hand luggage that stays with you at all times);
9. damage to personal baggage whilst in the custody of an airline;
10. if your personal baggage is lost or delayed in transit and you do not:
a. notify the carrier (i.e. airline, shipping company etc) immediately and obtain a written carrier s report (or Property Irregularity Report in the case of an airline); or
b. follow up in writing within 7 days to obtain a written carrier s report (or Property Irregularity
11. loss, destruction, damage or theft of the following property:
a. corneal lenses, hearing aids and dentures;
b. glass, china, pictures, musical instruments, antiques and precious stones;
c. pedal cycles, dinghies, boats and/or ancillary equipment, vehicles or vehicle accessories (other than wheelchairs and pushchairs);
d. tools of trade;
e. perishable items e.g. food;
12. loss, destruction, damage or theft due to:
a. confiscation or detention by Customs or other officials or authorities;
b. wear and tear, process of cleaning, denting or scratching, staining, moth or vermin;
c. transportation by any postal service;
13. electrical or mechanical breakdown or manufacturing fault;
14. breakage of fragile or brittle articles being transported by a carrier, unless the breakage is due to fire or other accident to the vessel, aircraft or vehicle in which they are being carried;
15. any property more specifically insured or recoverable under any other source. Any reimbursement received will be deducted from the amount of your claim under this section;
16. stamps, documents, deeds, samples or merchandise, manuscripts or securities of any kind;
17. winter sports equipment (unless the appropriate premium has been paid and is shown on your insurance schedule, which covers you under a separate section of the policy), or additional sports equipment (unless the appropriate premium has been paid and this is shown on your insurance schedule);
18. anything listed in Exclusions Applicable to the Whole Policy .

SECTION 8 - BAGGAGE
(THIS SECTION APPLIES WHEN THE APPROPRIATE PREMIUM HAS BEEN PAID AND COVER IS SPECIFIED ON YOUR POLICY SCHEDULE)
Covered
A: PERSONAL BAGGAGE
You are covered up to the amounts specified on your policy schedule for the value of or repair to any of your own personal baggage (not hired, loaned or entrusted to you), which is lost, stolen, damaged or destroyed (after making proper allowance for wear and tear and depreciation), limited to:
1. the Single Item Limit specified on your policy schedule for any one item, pair or set of items;
2. the Valuables Limit specified on your policy schedule for all valuables in total;
3. the limit specified on your policy schedule for personal baggage on the beach; The maximum payment for eyeglasses/contact lenses (including sunglasses) shall be £50. You are covered up to the amount specified on your policy schedule for the value of any specified business equipment (used for the sole purpose of carrying out your business) which is accidentally lost, stolen or damaged.
B: DELAYED BAGGAGE
You are covered up to the amount specified on your policy schedule for the cost of buying emergency necessities if your personal baggage is delayed in reaching you on your outward journey for at least 12
hours and you have a written report from the carrier (e.g. airline, shipping company etc.) or tour representative. Receipts will be required in the event of a claim.
Conditions
1. Any amount we pay you under B. (Delayed Baggage) will be deducted from the final claim settlement if your personal baggage is permanently lost.
2. You must obtain written proof of the incident from the police, your accommodation management, tour operator or carrier, within 24 hours of the discovery in the event of loss, burglary or theft of the personal baggage. Failure to do so may result in your claim being turned down.
3. In the event of a claim for damaged items, proof of the damage must be supplied.
4. In the event of a claim for a pair or set of items, we shall be liable only for the value of that part of the pair or set which is lost, stolen, damaged or destroyed.
5. If the repair cost is more than the value of an item, we will assess the claim as if the item has been lost.
Not Covered
1. the policy excess of £50;
2. any item, pair or set of items with a value of over £50, if an original receipt, valuation report or other acceptable proof of ownership and value cannot be supplied to support your claim. The total amount payable for all such items will be £250;
3. if you do not exercise reasonable care for the safety and supervision of your property;
4. personal baggage left unattended by you, unless located in locked accommodation and where an appropriately sized safety deposit box was not available for use by you;
5. personal baggage left in the custody of a person who does not have an official responsibility for the safekeeping of the property;
6. personal baggage stolen from an unattended vehicle:
a. unless it was in the locked glove compartment or locked rear boot or luggage area of the vehicle and is covered so as not to be visible from the outside of the vehicle;
b. if there is no visible evidence of forcible and violent entry;
c. left for any period between the hours of 8pm and 8am (other than motor homes);
7. valuables left in a motor vehicle (other than motor homes, provided the valuables are stored out of view);
8. valuables within checked -in luggage or in luggage compartments/racks not immediately adjacent to you on any form of public transport (other than hand luggage that stays with you at all times);
9. damage to personal baggage whilst in the custody of an airline;
10. if your personal baggage is lost or delayed in transit and you do not:
a. notify the carrier (i.e. airline, shipping company etc) immediately and obtain a written carrier 's report (or Property Irregularity Report in the case of an airline); or
b. follow up in writing within 7 days to obtain a written carrier 's report (or Property Irregularity
11. loss, destruction, damage or theft of the following property:
a. corneal lenses, hearing aids and dentures;
b. glass, china, pictures, musical instruments, antiques and precious stones;
c. pedal cycles, dinghies, boats and/or ancillary equipment, vehicles or vehicle accessories (other than wheelchairs and pushchairs);
d. tools of trade;
e. perishable items e.g. food;
12. loss, destruction, damage or theft due to:
a. confiscation or detention by Customs or other officials or authorities;
b. wear and tear, process of cleaning, denting or scratching, staining, moth or vermin;
c. transportation by any postal service;
13. electrical or mechanical breakdown or manufacturing fault;
14. breakage of fragile or brittle articles being transported by a carrier, unless the breakage is due to fire or other accident to the vessel, aircraft or vehicle in which they are being carried;
15. any property more specifically insured or recoverable under any other source. Any reimbursement received will be deducted from the amount of your claim under this section;
16. stamps, documents, deeds, samples or merchandise, manuscripts or securities of any kind;
17. winter sports equipment (unless the appropriate premium has been paid and is shown on your insurance schedule, which covers you under a separate section of the policy), or additional sports equipment (unless the appropriate premium has been paid and this is shown on your insurance schedule);
18. anything listed in "Exclusions Applicable to the Whole Policy" .

SECTION 1 - CANCELLATION
Covered
You are covered up to the amount specified on your policy schedule for travel and pre-booked accommodation cancellation costs relating only to those people specified on the insurance schedule.
(If travel arrangements were paid for by Air Miles or by any other form of redeemable vouchers, reimbursement will be the reinstatement of the Air Miles or redeemable vouchers to their original account. If reinstatement is not possible, we will reimburse the lowest advertised fare by the airline for the flight in question). Cancellation must be necessary and unavoidable and not as a result of disinclination to undertake your planned trip. Cover is only provided due to a cause listed below occurring during the period of insurance:
1. Accidental injury, serious illness, death or being subject to quarantine of you, any person with whom you are intending to travel or stay, an immediate relative of yours or of any person with whom you intend to travel or a close business associate of yours;
2. the pregnancy of you or your travelling companion known after the date of issue of this policy or the date the trip was booked (whichever was later), if the birth is expected within 12 weeks of the booked departure date or return date, or if complications with the pregnancy occur prior to the 29th week (provided there have not been any complications with any previous pregnancy);
3. you being called for jury service, attending court as a witness (but not as an expert witness or where your employment would normally require you to attend court);
4. you or any person with whom you have arranged to travel being made redundant where you/they have been employed for two continuous years with the same employer at the time of being made redundant and are under the normal retirement age for someone holding that position;
5. your home or place of business being made uninhabitable, within 14 days prior to the date of travel, or the police asking to see you after a theft from your home which occurred within 14 days of travel;
6. your posting overseas or emergency and unavoidable duty if you are a member of the medical or nursing professions, police, fire or ambulance services;
7. prevention of travel by British Government restriction;
8. abandonment of your trip as a result of more than 24 hours travel delay on your outward flight, sea crossing, coach or train departure from your country of residence (see Section 5, Travel Delay and Abandonment).Replacement Business Colleague: Provided cancellation is due to a cause listed above and the sole purpose of the trip was for carrying out your business, you are covered up to the amount specified on your policy schedule for the cost of a replacement business colleague.
Not Covered
1. the policy excess of £50 (except for deposit only claims where the excess is £20 per insured);
2. medically related claims where a certificate has not been obtained from a medical practitioner, confirming that cancellation of the trip is necessary on medical grounds;
3. any claim arising directly or indirectly as a result of a medical condition (see Definitions Applicable to the Whole Policy) suffered by you, unless declared to us, agreed by us on your insurance schedule and additional premium paid if required;
4. medically related claims as a result of your travelling companion, an immediate relative or close business associate of you or the person with whom you have arranged to stay on the trip, having suffered a condition or for which they have received medication, medical advice or treatment within six months prior to the date this policy was issued or the date the trip was booked (whichever is later);
5. any claim: a. where at the time of taking out this insurance, the person whose condition gives rise to the claim is an in-patient in (or awaiting admission or booked to be admitted to) a hospital, hospice or nursing home; b. where at the departure date, you or your travel companion are travelling against the advice of a medical practitioner or travelling for the purpose of obtaining medical treatment;
6. additional cancellation costs incurred as a result of not immediately telling the travel agent, tour operator or provider of transport or accommodation that you need to cancel the trip. We will only pay the cancellation charges that would have applied at the time you knew it was necessary to cancel your trip, if a valid claim exists;
7. any costs incurred on behalf of other party members who are not specified on the insurance schedule;
8. any costs recoverable from another source (e.g. airport taxes);
9. any claim as a consequence of prohibitive regulations of the Government of any country;
10. any claim arising from any circumstances known about at the date of booking the trip or the date the policy was issued, which could reasonably have been expected to give rise to the cancellation of the trip;
11. anything listed in Exclusions applicable to the whole policy.
SECTION 2 CURTAILMENT
Covered
You are covered up to the amount specified on your policy schedule for:
1. the value of the portion of your travel and pre-booked accommodation expenses, calculated from the date of your return to your home, which have not been used and which were paid for before your departure from your country of residence.
2. reasonable additional travelling expenses (on the same basis as your original booking) authorised by us and incurred by you for returning to your home earlier than planned due to a cause listed below:
a. accidental injury to or serious illness or death of you, any person with whom you intend to travel, an immediate relative of yours or of the person with whom you intend to travel or a close business associate;
b. the pregnancy of you or your travelling companion known after the date of issue of this policy or the date the trip was booked (whichever was later), if complications with the pregnancy occur prior to the 29th week (provided there have not been any complications with any previous pregnancy);
c. your home or place of business being made uninhabitable or the police asking to see you after a theft from your home.
Replacement Business Colleague: Provided curtailment is due to a cause listed above and the sole purpose of the trip is for carrying out your business, you are covered up to the amount specified on your policy schedule for additional travel and accommodation costs incurred for a business colleague to replace you.
Conditions
1. You must contact the Assistance Service for assistance/advice if you need to cut short your trip for an insured reason.
2. You must use or revalidate your original ticket for your early return. If this is not possible you must provide evidence that additional costs were necessary. Any refunds due on unused original tickets will be deducted from your claim. If you do not have an original return ticket, you will not be reimbursed for costs incurred for your early return.
3. If you require the Assistance Service to pay for arrangements, they may first need to contact the relevant medical practitioner to confirm your claim falls within the terms of your cover.
4. If you make your own arrangements you must supply all necessary documentation to substantiate that your claim falls within the terms of cover.
5. This policy does not provide compensation for loss of enjoyment. 24 hour Assistance Service Telephone Number: +44 (0) 870 905 8545
Not Covered
1. the policy excess of £50;
2. claims that are not confirmed as medically necessary by the Assistance Service, and where a medical certificate has not been obtained from the attending medical practitioner confirming the necessity to curtail;
3. any claim arising directly or indirectly as a result of a medical condition (see Definitions Applicable to the Whole of the Policy) suffered by you, unless declared to us, agreed by us on your insurance schedule and additional premium paid if required;
4. medically related claims as a result of your travelling companion, an immediate relative or close business associate of you or the person with whom you have arranged to stay on the trip, having suffered a condition or for which they have received medication, medical advice or treatment within six months prior to the date this policy was issued or the date the trip was booked (whichever is later);
5. additional travelling expenses incurred which are not authorised by the Assistance Service;
6. unused prepaid travel tickets where repatriation has been arranged by you or the Assistance Service;
7. any claim:
a. where at the time of taking out this insurance, the person whose condition gives rise to the claim is an in-patient in (or awaiting admission or booked to be admitted to) a hospital, hospice or nursing home;
b. where at the departure date, you or your travelling companion are travelling against the advice of a medical practitioner or travelling for the purpose of obtaining medical treatment;
8. anything listed in Exclusions applicable to the whole policy.

SECTION 7 MISSED DEPARTURE
This section does not apply to trips within your country of residence.
Covered
You are covered up to the amount specified on your policy schedule for necessary hotel and travelling expenses (not including food, drink and telephone expenses) incurred in reaching your booked destination, if you arrive too late to commence your booked trip from or to your country of residence as a result of:
1. the vehicle in which you are travelling being involved in an accident or breakdown or you being delayed as a result of a major accident on a motorway;
2. the public transport used being delayed.
Conditions
1. In the event of a claim due to vehicle breakdown or a road accident, you must provide a police or roadside assistance report.
2. In the event of a claim due to delayed public transport you must provide documentation from the transport company, confirming the period of and the reason for the delay.
Not Covered
1. the policy excess of £50;
2. if sufficient time has not been allowed for your journey in order to meet the check-in time specified by the transport providers or agent;
3. you are not proceeding directly to the departure point;
4. any costs claimed under Section 5, Travel Delay and Abandonment, which relate to the same trip;
5. anything listed in Exclusions Applicable to the Whole Policy.

SECTION 5 TRAVEL DELAY AND ABANDONMENT
This section does not apply to trips within your country of residence.
Covered
1. In the event of your outward or return flight, sea crossing, coach or train departure to or from your country of residence being delayed for more than 12 hours beyond the intended departure time (as specified on your travel ticket) as a result of:
a. adverse weather conditions;
b. mechanical breakdown or technical fault of the aircraft, coach, train or sea vessel;
c. strike, industrial action or security alert (provided that when this policy was issued or the trip was booked, whichever was later, no such action had already been declared and therefore there was no reasonable expectation that this would affect your trip); we will pay the amount specified on your policy schedule per insured person for each complete 12 hours you are delayed up to the maximum limit stated on your policy schedule. If you incur more than 24 hours delay on your outward flight, sea crossing, coach or train departure from your country of residence, you may abandon your trip and claim under Section 1, Cancellation
(less the excess);
2. If you abandon your trip as a result of your vehicle being involved in an accident or mechanical breakdown en route to your departure point from your country of residence, rendering it impossible for you to undertake your planned itinerary, we will pay up to the limit as specified on your policy schedule under Section 1, Cancellation, less the excess.
Conditions
1. In the event of a claim due to delayed public transport you must provide documentation from the transport company, confirming the period of and the reason for the delay.In the event of a claim due to vehicle breakdown, you must provide a police or roadside assistance report.
Not Covered
1. the policy excess of £50 if you abandon your trip;
2. where you have not checked in, allowing sufficient time, for your outward or return journey;
3. any claims arising from withdrawal from service temporarily or otherwise of the aircraft, coach, train or sea vessel on the orders or recommendation of the Civil Aviation Authority or a Port Authority or similar body in any country;
4. internal flights which do not form part of your outbound or inbound journey to/from your country of residence;
5. anything listed in Exclusions Applicable to the Whole Policy.

SECTION 5 - TRAVEL DELAY AND ABANDONMENT
This section does not apply to trips within your country of residence.
Covered
1. In the event of your outward or return flight, sea crossing, coach or train departure to or from your country of residence being delayed for more than 12 hours beyond the intended departure time (as specified on your travel ticket) as a result of:
a. adverse weather conditions;
b. mechanical breakdown or technical fault of the aircraft, coach, train or sea vessel;
c. strike, industrial action or security alert (provided that when this policy was issued or the trip was booked, whichever was later, no such action had already been declared and therefore there was no reasonable expectation that this would affect your trip); we will pay the amount specified on your policy schedule per insured person for each complete 12 hours you are delayed up to the maximum limit stated on your policy schedule. If you incur more than 24 hours delay on your outward flight, sea crossing, coach or train departure from your country of residence, you may abandon your trip and claim under Section 1, Cancellation
(less the excess);
2. If you abandon your trip as a result of your vehicle being involved in an accident or mechanical breakdown en route to your departure point from your country of residence, rendering it impossible for you to undertake your planned itinerary, we will pay up to the limit as specified on
your policy schedule under Section 1, Cancellation, less the excess.
Conditions
1. In the event of a claim due to delayed public transport you must provide documentation from the transport company, confirming the period of and the reason for the delay.In the event of a claim due to vehicle breakdown, you must provide a police or roadside assistance report.
Not Covered
1. the policy excess of £50 if you abandon your trip;
2. where you have not checked in, allowing sufficient time, for your outward or return journey;
3. any claims arising from withdrawal from service temporarily or otherwise of the aircraft, coach, train or sea vessel on the orders or recommendation of the Civil Aviation Authority or a Port Authority or similar body in any country;
4. internal flights which do not form part of your outbound or inbound journey to/from your country of residence;
5. anything listed in "Exclusions Applicable to the Whole Policy".

SECTION 12 PERSONAL LIABILITY
Covered
You are covered up to the amount specified on your policy schedule for legal expenses and legal liability for damages incurred by you which are caused by an accident that occurred during your trip, leading to a claim made against you as a result of:
1. accidental bodily injury to a person who is not a member of your family or household, a travelling companion or employed by you;
2. loss of or damage to any property which does not belong to, is not in the charge of, and is not in the control of you or any member of your family, household, any travelling companion or employee (except hired wheelchairs);
3. loss of or damage to your temporary holiday accommodation that does not belong to you, or any member of your family, household, any travelling companion or anyone employed by you.
Conditions
1. No liability shall be admitted and no admission, arrangement, offer, promise or payment shall be made by you without our written consent.
2. We are entitled to take over any rights in the defence or settlement of any claim and to take proceedings in your name for our benefit against any other party.
3. You must, wherever possible, provide all such information and assistance as we require.
Not Covered
1. the policy excess of £100;
2. fines imposed by a Court of Law or other relevant bodies;
3. anything caused as a consequence of:
a. liability which you incur as a result of an agreement that you made which would not apply in the absence of that agreement;
b. injury, loss or damage arising from:
i. ownership or use of aircraft, horse-drawn or mechanical/motorised vehicles, bicycles, vessels (other than rowing boats, punts or canoes), animals or firearms;
ii. the occupation (except temporarily for the purpose of the trip) or ownership of any land or buildings;
iii. the carrying out of any trade, profession, manual work or hazardous occupation;
iv. racing of any kind;
v. any deliberate or criminal act; liability as an employer or under any other contract or insurance policy; anything listed in Exclusions Applicable to the Whole Policy .
4. liability as an employer or under any other contract or insurance policy;
5. all forms of pollution and contamination;
6. anything listed in Exclusions Applicable to the Whole Policy.

You are not covered for anything caused as a consequence of the following unless an endorsement has been issued by us:
21. any consequence whether direct or indirect of war, invasion, act of foreign enemy, hostilities (whether war be declared or not), any acts of terrorism, civil war, rebellion, revolution, insurrection, blockade, military or usurped power; * Terrorism is covered under Section 3: Personal Accident, Section 4: Emergency Medical Expenses/Repatriation and Section 5: Additional Hospital Benefit, but not as the sole result of nuclear, chemical or biological weapons of mass destruction however these may be distributed or combined.

A. INDEPENDENT TRAVEL. Each person named on the insurance schedule is insured separately.
B. TERRITORIAL DEFINITIONS. You are covered for travel within the geographical region defined on your insurance schedule.
C. POLICY EXCESS. The policy excess will be deducted in the event of a claim under certain sections of the policy. The excess will be charged for each incident that results in a claim.
D. SPORTS AND ACTIVITIES. You are covered to participate in the following sports and activities (provided you are not participating on a professional basis): angling, archery*, athletics*, badminton, banana boating, baseball*, basketball, billiards, body boarding, bowling, boxing training (no contact), camel riding*, canoeing, catamaran sailing**, clay pigeon shooting, climbing (climbing wall), cricket*, croquet, curling, cycling (non-touring)*, dancing, darts, dinghy racing, dinghy sailing, elephant ride, fell walking, flag american football, football, golf, gymnastics, helicopter ride (passenger), hiking, horse drawn sleigh, horse trekking, hot air ballooning (passenger), jet skiing*, kite surfing (on a lake)*, light aircraft rides (passenger) martial arts training, motorcycling under 125cc* (as a means of transport only), netball, orienteering, paint balling*, pony trekking, pool, rambling, rifle range*, ringos, rounders, rugby league*, rugby union*, sailing** (in-shore & off-shore), scuba diving (max. 30m), sledging, snooker, snorkelling, snow-shoeing, soccer, softball, squash*, surfing*, swimming, swimming with dolphins, table tennis, tennis, ten-pin bowling*, tobogganing (winter), touch football, trampolining, trekking, tug-o-war, volleyball, wake boarding, walking, walking up Sydney Harbour Bridge, water polo, waterskiing, wheelchair basketball, windsurfing (on a lake)*. * no Personal Liability cover** no Personal Liability/offshore rescue cover You are NOT covered for any other Sports and Activities, unless declared to and agreed by us on your insurance schedule and an additional premium paid if required.
E. WORKING OVERSEAS. You are not covered for manual work overseas unless specified on your insurance schedule. In any event, no cover is provided for Section 12, Personal Liability whilst working overseas.
F. DISCLOSURE OF MATERIAL FACTS. It is a condition of this insurance that all material facts have been disclosed to us. Failure to do so may invalidate this insurance. A material fact is any fact, medical or otherwise, which poses an increase in risk to us and is likely to influence us in the assessment, acceptance or continuance of your insurance.
G. APPLICABLE LAW. Both we and you are entitled to choose the law applicable to the insurance policy. We propose English Law and in the absence of any agreement to the contrary, English Law will apply.
H. RENEWAL OF ANNUAL POLICIES. Renewal of the insurance policy shall be at our sole option and discretion.

C. POLICY EXCESS. The policy excess will be deducted in the event of a claim under certain sections of the policy. The excess will be charged for each incident that results in a claim. If a claim for an incident falls under more than one section of the policy, only the highest excess will be applied.