Endsleigh Backpacker Plus

section 1 - medical expenses
What is covered
A Medical Expenses
We will pay up to the amount stated in the Schedule for the following necessary and reasonable costs sustained as a result of illness or injury during the Period of Insurance.
- emergency medical, surgical and hospital treatment including air ambulance.
- hospital and nursing home charges incurred outside the UK.
- repatriation expenses (including air ambulance or the special use of air transport) to return You to the UK provided it is medically necessary and the arrangements are authorised beforehand and made by ISIS Assistance.
- in the event of Your death We will pay for repatriation of Your body or ashes to the UK.
B Emergency Dental Treatment
We will pay up to the amount stated in the Schedule for emergency dental treatment for the immediate relief of pain.
C Getting someone out to You
We will pay up to the amount stated in the Schedule for reasonable extra travelling and accommodation expenses for a friend or Relative of yours living in the UK who on medical advice must travel to stay with You or accompany You Home. ISIS Assistance must authorise this beforehand.
D Funeral Costs Abroad
We will pay up to the amount stated in the Schedule for the cost of a funeral for You abroad.
E Search and Rescue
We will pay up to the amount shown on the Schedule towards the costs incurred by official bodies involved in searching for You or rescuing or recovering You if You are reported as missing or have suffered a fatal
Accident.
In the event of a claim You or Your representative must produce a statement from the official authorities proving the necessity of this search and/or rescue operation. We reserve the right to
refuse any claim where this report has not been produced.
What is not covered
Any medical expenses You have to pay as a result of the following:-
- Dangerous Sports.
- pregnancy or childbirth.
- mental or nervous illness, anxiety, or sexually transmissible conditions.
- surgery or medical treatment which in the opinion of a Medical Practitioner could be reasonably delayed until Your return Home.
- cosmetic surgery.
- expenses related to a Pre Existing Medical Condition.
- expenses for any drugs or medication which You know You will need at the start of Your Trip.
- medical or related expense arising more than 12 months after the occurrence of the injury or illness to which the claim relates;
- any medical or related expenses You incur after Your return to the United Kingdom.
- treatment in a private hospital if it is considered medically advisable that treatment can be provided in a ward of a public hospital.
- expense arising from illness or injury if You travelled against the advice of a Medical Practitioner.
- any dental treatment unless for the immediate relief of pain.
- any extra costs from You arranging a single or private room accommodation at a hospital, clinic or nursing home, except where this is necessary for Your treatment.
- any chiropractic treatment, osteopathy, or vaccinations.
- any physiotherapy unless Your Medical Practitioner provides You with a letter of referral.
- we will not pay more than £150 for physiotherapy costs.
- any claim arising on a Trip which is specifically to obtain medical treatment in another country.
- any claim arising in the UK.
- any medical or related expense in the country where You normally reside.
- optical prescriptions.
- telephone charges and taxi fares except where the taxi is used as an ambulance.
- any claim for search and rescue not supported by a written statement from the appropriate authority involved in the search and/or rescue.
- the first £40 of each claim.
- any expense arising from the use of alternative or complementary medicines.
- any expense incurred as a result of a tropical disease where the recommended inoculations or medication have not been undertaken.

section 2 - personal accident and injury benefit
What is covered
We will pay You or Your executors the following percentage of the maximum limit shown in Your Schedule, if You are involved in an Accident which causes You injury and You become permanently disabled or You die because of that injury.
a) Permanent Total Disablement 100%
b) Accidental death 25%
c) Loss of limbs or loss of use of limbs:-
Arm 60% Thumb 7.5%
Leg 60% Fingers 7%
Hand 50% Toes 3%
Foot 40%
d) Loss of vision:- One eye 20% Both eyes 80%
e) Loss of hearing:- One Ear 15% Both Ears 40%
The maximum payable for combined disabilities is 100% of the limit stated in the Schedule.
For loss of use, other than by severance, no payment will be made until the loss of use has lasted for two years from the date of the injury, and at the end of that time is beyond improvement.
Where partial permanent loss arises, a proportionate payment will be calculated based upon an independent medical examination.
Severance of a hand or foot must be above the wrist or ankle.
What is not covered
- cover does not apply to any person who is 66 years old or over when the incident giving rise to a claim occurred.
- each specified benefit is reduced by 50% for any person aged 15 years or less when the incident giving rise to a claim occurred.
- cover does not apply where the incident giving rise to a claim is directly or indirectly connected with:-
a) Dangerous Sports specifically excluded under Sporting Activities - page 4.
b) pregnancy or childbirth.
c) mental or nervous illness, anxiety, or sexually transmissible conditions.
d) a Pre-Existing Medical Condition.
- where the incident giving rise to a claim occurred when You travelled against the advice of a Medical Practitioner.

section 1 - medical expenses
What is covered
A Medical Expenses
We will pay up to the amount stated in the Schedule for the following necessary and reasonable costs sustained as a result of illness or injury during the Period of Insurance.
- emergency medical, surgical and hospital treatment including air ambulance.
- hospital and nursing home charges incurred outside the UK.
- repatriation expenses (including air ambulance or the special use of air transport) to return You to the UK provided it is medically necessary and the arrangements are authorised beforehand and made by ISIS Assistance.
- in the event of Your death We will pay for repatriation of Your body or ashes to the UK.

section 1 - medical expenses
What is covered
A Medical Expenses
We will pay up to the amount stated in the Schedule for the following necessary and reasonable costs sustained as a result of illness or injury during the Period of Insurance.
- emergency medical, surgical and hospital treatment including air ambulance.
- hospital and nursing home charges incurred outside the UK.
- repatriation expenses (including air ambulance or the special use of air transport) to return You to the UK provided it is medically necessary and the arrangements are authorised beforehand and made by ISIS Assistance.
- in the event of Your death We will pay for repatriation of Your body or ashes to the UK.

section 11 - legal expenses
The meanings of key words used in this section are in addition to those defined on pages 4-6:-
Appointed Representative
The lawyer or other suitably qualified person who has been appointed to act for You in accordance with the terms of this section.
Costs and Expenses
All reasonable and necessary costs chargeable by the Appointed Representative on a standard basis. Also the costs incurred by the opponents if You have been ordered to pay them.
Date of Occurrence
The Date of Occurrence is the date of the event which may give rise to a claim. If there is more than one event arising at the same time or from the same cause, the Date of Occurrence is the date of the first of these events.
What is covered
We will pay up to the amount shown in Your Schedule for
Costs and Expenses if You have to
a) claim compensation, or damages from anyone following Your death or bodily injury, or
b) appeal against the decision of the Court.
provided that the following conditions have been met:-
- the Date of Occurrence of the incident giving rise to a claim is during the Period of Insurance.
- You must have told Us about the claim within 180 days of the incident.
- all claims must offer reasonable prospects for success, if We decide during the course of the claim that the outcome is likely to be unsuccessful, then We can stop proceedings.
What is not covered
- any claim not reported to Us within 180 days of the incident.
- claims arising from Your business, employment, professional activities or practical work related to Your studies.
- damages, fines, compensation or penalties You are ordered to pay by a court or other authority
- any claim where the estimated amount to be recovered is less than £500.
- any claim related to Dangerous Sports and Activities.
- any deliberate, criminal or malicious act by You.
- any claim where the estimate of Your total legal expenses is greater than the compensation or damages that You are claiming.
- the costs of any claim against Us, Our agents or representatives.
- any illness or bodily injury which happens gradually or is not caused by a sudden or specific Accident.
- any Costs and Expenses incurred before Our written acceptance of a claim.
- an application for judicial review.
- any legal action You take which We or the Appointed Representative have not agreed to, or where You have hindered Us or the appointed Representative.
- defence of Your legal rights, but defence of a counter claim is covered.
- any claim in connection with renting or leasing accommodation.
- any claim in connection with motor vehicles unless You are injured or killed while You are a passenger in a vehicle, when You are hit by a vehicle or are injured in an attempt to avoid a vehicle.
- any claim pursuing the settlement of an insurance policy.
- any claim against written or verbal remarks which You claim damage Your reputation.
- the first £40 of each and every claim.
additional conditions applying to section 11 - legal expenses
Legal Expenses Cover is subject to the General Conditions and General Exclusions applying to the whole Policy book on pages 11-14 together with the following additional conditions which apply to legal expenses only:-
1. When making a claim You may notify Us of the Appointed Representative whom You wish to act for You and We may accept or refuse the nomination. If We cannot agree with You on an Appointed Representative then the Law Society will be asked to nominate an Appointed Representative and their decision will be final.
2. We must have contact with Your Appointed Representative whenever We need to and access to Your case files if We ask for these. Both You and Your Appointed Representative must co-operate with Us fully
and keep Us informed of all developments with the case.
3 You must give all the information and help Your Appointed Representative may need, including a truthful account of all the events related to the claim.
4. a) No agreement to settle will be made without Our prior approval.
b) If You refuse to accept a reasonable offer to settle a claim, We may refuse to pay any further Costs and Expenses.
c) We may decide to pay You the amount of damages that You are claiming for instead of continuing legal proceedings.
5. If You want to appeal, You must give Us Your reasons and get Our written agreement, before lodging the appeal.
6. If for any reason the Appointed Representative refuses to continue acting for You or if You withdraw Your claim from the Appointed Representative then We will not pay any further Costs or Expenses unless We agree on another Appointed Representative to continue with the claim.
7.You must send Us all bills for Your Appointed Representatives expenses as soon as You receive them.
You must confirm to Us that any charges You have to pay to Your Appointed Representative are acceptable and that We may pay the bill for You.
8.You will take all reasonable steps to recover from Your opponent Costs and Expenses. You must pay any recovered Costs and Expenses to Your Appointed Representative who must then reimburse Us.
9.You must tell the Appointed Representative to have Costs and Expenses taxed, assessed or audited if We ask for this.
10. a) You must keep to the terms and conditions of this section.
b) You must take all reasonable steps to keep any amount We have to pay as low as possible.
c) You must try to prevent anything happening that may cause a claim.
11. We may at Our discretion require You to obtain at Your expense, an opinion from a barrister chosen by You and Us, as to the merits of a claim or proceedings. If the barristers opinion indicates that there are reasonable grounds for the pursuit or defence of a claim or proceedings, the cost of obtaining the opinion will be paid for by Us.

B Passports, Tickets and Passes
We will pay up to the amounts stated in the Schedule for theft, accidental loss of or damage to Your Travel Documents, together with reasonable costs incurred in obtaining replacements.

section 1 - medical expenses
What is covered
A Medical Expenses
We will pay up to the amount stated in the Schedule for the following necessary and reasonable costs sustained as a result of illness or injury during the Period of Insurance.
- emergency medical, surgical and hospital treatment including air ambulance.
- hospital and nursing home charges incurred outside the UK.
- repatriation expenses (including air ambulance or the special use of air transport) to return You to the UK provided it is medically necessary and the arrangements are authorised beforehand and made by ISIS Assistance.

section 3 - personal belongings, luggage and travel documents
What is covered
A Luggage
We will pay up to the amounts stated in the Schedule for theft, accidental loss of or damage to Your Luggage including Valuables during the Period of Insurance.
We will repair or replace Luggage or at Our option give a cash settlement, having made a deduction for wear, tear and depreciation.
B Passports, Tickets and Passes
We will pay up to the amounts stated in the Schedule for theft, accidental loss of or damage to Your Travel Documents, together with reasonable costs incurred in obtaining replacements.
What is not covered
- the first £40 of each and every claim.
- contact or corneal lenses, dentures,pedal cycles, glass, china or antiques, pictures, firearms or weapons of any description, sculptures, household goods or equipment, samples or merchandise or any equipment associated with a business or profession, any documents unless covered under Travel Documents.
- theft from a private motor vehicle or motor cycle, unless from a locked boot or glove compartment and evidenced by forcible and violent entry, this cover does not extend to Valuables.
- theft of Valuables whilst left unattended by You in any place with public access, unless the items were left with a travelling companion with whom You began Your Trip.
- breakage or damage to items of a fragile nature, other than photographic or telescopic lenses.
- sports equipment whilst in use.
- any loss not reported to the Police within 24 hours of discovery of that loss and for which You do not get a written report.
- any items left by You in the custody of another person, unless that person is a travelling companion who has travelled with You since the beginning of Your Trip.
- any items entrusted to You.
- theft of Money unless from Your locked self-contained accommodation or a designated hotel security box or from Your person.
- theft of Money or credit cards unless specified as covered on Your Schedule.
- wear, tear, depreciation, moth, vermin, mechanical or electrical breakdown, any process of cleaning, restoration or alteration, atmospheric or climatic conditions or any gradually operating cause.
- motor vehicles and their accessories, watercraft and their accessories, caravans and trailers.
- loss of jewellery (other than wedding rings) whilst swimming or participating in hazardous sports.
- property more specifically insured elsewhere.
- mobile phones including any ancillary equipment and any costs arising from unauthorised use.
- Money unless You can produce a supporting bank slip or statement

section 3 - personal belongings, luggage and travel documents
What is covered
A Luggage
We will pay up to the amounts stated in the Schedule for theft, accidental loss of or damage to Your Luggage including Valuables during the Period of Insurance.
We will repair or replace Luggage or at Our option give a cash settlement, having made a deduction for wear, tear and depreciation.
B Passports, Tickets and Passes
We will pay up to the amounts stated in the Schedule for theft, accidental loss of or damage to Your Travel Documents, together with reasonable costs incurred in obtaining replacements.
What is not covered
- the first £40 of each and every claim.
- contact or corneal lenses, dentures,pedal cycles, glass, china or antiques, pictures, firearms or weapons of any description, sculptures, household goods or equipment, samples or merchandise or any equipment associated with a business or profession, any documents unless covered under Travel Documents.
- theft from a private motor vehicle or motor cycle, unless from a locked boot or glove compartment and evidenced by forcible and violent entry, this cover does not extend to Valuables.
- theft of Valuables whilst left unattended by You in any place with public access, unless the items were left with a travelling companion with whom You began Your Trip.
- breakage or damage to items of a fragile nature, other than photographic or telescopic lenses.
- sports equipment whilst in use.
- any loss not reported to the Police within 24 hours of discovery of that loss and for which You do not get a written report.
- any items left by You in the custody of another person, unless that person is a travelling companion who has travelled with You since the beginning of Your Trip.
- any items entrusted to You.
- theft of Money unless from Your locked self-contained accommodation or a designated hotel security box or from Your person.
- theft of Money or credit cards unless specified as covered on Your Schedule.
- wear, tear, depreciation, moth, vermin, mechanical or electrical breakdown, any process of cleaning, restoration or alteration, atmospheric or climatic conditions or any gradually operating cause.
- motor vehicles and their accessories, watercraft and their accessories, caravans and trailers.
- loss of jewellery (other than wedding rings) whilst swimming or participating in hazardous sports.
- property more specifically insured elsewhere.
- mobile phones including any ancillary equipment and any costs arising from unauthorised use.
- Money unless You can produce a supporting bank slip or statement

section 4 - cancelling your trip or cutting it short
What is covered
A Cancelling Your Trip
We will pay up to the amount shown in the Schedule for any non-refundable costs including Your deposit and any outstanding payments remaining on Your Trip which You are contracted to pay and are unable to use.
We will also pay for any unused travel, accommodation and transport which has been paid for in advance, and any pre-paid trips or ski passes if You have to cancel Your Trip as a result of one of the following:-
a) death, injury or illness of You, or a personal friend with whom You were to travel or intended to stay.
b) death, injury or illness of a Relative or close Business Associate.
c) compulsory quarantine, jury service, witness summons, of You, a Relative, a personal friend or Business Associate whom You were to travel or stay with, providing their appearance is required during the Period of Insurance.
d) You being made Redundant.
e) if Your Home is damaged by fire, storm or flood or burgled up to five days before Your departure date.
f) hijack of the aircraft You are or should be travelling on.
g) You having to re-sit a University or College exam as part of a full time course of study, providing You made Your travel arrangements and arranged Your travel insurance prior to the date of the exam which You failed.
B Cutting Your Trip Short
We will pay up to the amount shown on Your Schedule for:-
1. The cost of the part of the Trip You have not used if You cannot reclaim these costs from any other source. This will be calculated on a pro rata basis for each day after We receive Your Policy.
2. Any extra reasonable costs for transport or accommodation You have to pay to return to the UK or to allow You to continue Your Trip.
If You have to cut Your Trip short as a direct result of one of the following:-
a) Death, serious injury or illness of You, or a personal friend or close Business Associate whom You were travelling or staying with.
b) Death, injury or illness of You, a Relative or close Business Associate.
c) You, or someone with whom You are travelling is needed by the Police in the UK following damage to Your or their Home by fire, storm or flood, or burglary of Your or their Home, during the Period of Insurance.
d) You, Your Partner, a Relative, personal friend or Business Associate with whom You are travelling are summoned back to the UK for Jury Service or to act as a witness.
What is not covered
The following exclusions apply to the whole of Section 4
- the first £40 of each claim.
- You travelling against the advice of a Medical Practitioner.
- You travelling to get medical treatment abroad.
- pregnancy or childbirth.
- a Pre-Existing Medical Condition.
- You failing to have the required Travel Documents.
- industrial strikes or action which were expected or known about on or before the date You booked Your Trip.
- any claim arising from the operation of law.
- You failing to allow sufficient time to reach Your departure point from the UK in time.
- circumstances You knew about when You began the insurance and You expected would mean You would have to cancel or cut short Your travel.
- cancellation of leave or posting of British Armed Forces, Police or Government Security Personnel.
- any claim arising from Dangerous Sports.
- a private vehicle breaking down, where the vehicle was in an unroadworthy or poor mechanical condition due to neglect.
- any extra costs incurred as a result of You not telling the travel company as soon as You know You have to cancel Your Trip.
- We will not make any payment before We have received Your Policy.
- any claim arising from mental or nervous illness or anxiety.

section 10 - personal liability
What is covered
We will pay up to the amount shown on the Schedule for damages or legal costs You are liable to pay to others as a result of You causing
a) accidental injury or death to anyone
b) accidental loss or damage to property whilst in the course of private pursuits during Your Trip.
You must not admit liability or make any promise of payment without Our consent.
What is not covered
We will not pay for any liability arising from
- death, disease, illness or injury to a Relative or an employee or Your travelling companion.
- the transmission of any communicable disease by You or any person.
- loss or damage to Your property or that of a Relative, employee or travelling companion or any property in Your custody or control.
- any profession, trade, business, employment or practical work in relation to study by You or a Relative.
- any deliberate act or omission by You.
- ownership or occupation of any land or buildings, except Your temporary Trip accommodation.
- Dangerous Sports.
- ownership, custody, control or use of any - animals - firearms/weapons - horse drawn, motorised or mechanically propelled or towed vehicles other than a wheelchair. - hovercraft, jetski, watercraft, or aircraft unless You are travelling as a farepaying passenger in a fully licensed, multi-engined, passenger carrying aircraft.
- any agreement entered into by You or to which You are a party, except where You would have incurred the liability even if the agreement had not existed.
- punitive or exemplary damages.
- the ownership, possession or use of animals (other than domestic dogs not included in Section 1(i) of the Dangerous Dogs Act 1991 or horse used solely for hacking or trekking).

general exclusions
We will not cover the following:-
1. Normal Expenses
Any expenses which You would have incurred in the normal course of Your Trip, except under Section 4 - Cancelling Your Trip or Cutting it Short.
2. Anticipated Events
Any claim resulting from circumstances which could reasonably have been anticipated by You at the date of issue of this Policy.
3. Radiation Damage
Any claim or expense of any kind caused directly or indirectly from
a) ionising radiation or radioactive contamination from any nuclear fuel or nuclear waste created from the burning of nuclear fuels.
b) the radioactive, toxic, explosive or other hazardous properties of nuclear machinery or any part of it.
4. War Risks, Terrorism, Riot and Civil Commotion
This Policy does not cover death, bodily injury, loss, damage, cost or expense of whatever nature or any consequence resulting directly or indirectly from or in connection with:-
a) war, invasion, act of foreign enemy hostilities or a warlike operation or operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, coup, riot or civil commotion assuming the proportions of or amounting to an uprising, military or usurped power.
b) any act of terrorism regardless of any other cause or event contributing at the same time or in any other sequence to the loss.
Terrorism is defined as any act or acts including but not limited to
i) the use or threat of force and/or violence; and/or
ii) harm or damage to life or to property (or the threat of such harm or damage) caused or occasioned by any person(s) or group(s) of persons or so claimed in whole or in part for political, religious, ideological or similar purposes.
c) any action taken in controlling preventing suppressing or in any way relating to (a) or (b) above.
This exclusion does not apply to Section 6 - Hijack & Hostage.
5. Sonic Bangs
Any claim or expense of any kind caused directly or indirectly from pressure waves caused by aircraft or other flying objects moving at or above the speed of sound.
6. HIV and AIDS
Any loss, injury, illness, death, Cancellation, cutting short Your Trip, change of plan, delay, expense, or liability directly or indirectly caused by Human Immunodeficiency Virus (HIV) or any HIV related illness including Acquired Immune Deficiency Syndrome (AIDS) and/or any mutant derivative or variations thereof however caused.
7. Liability
Any liability arising from any goods, service, advice, or arrangements supplied by any agent acting on Our behalf.
8. Consequential Loss
Any loss which would not have occurred if the incident for which You are claiming had not happened unless it is specifically mentioned in the Policy.
9. Self Inflicted Injury/Suicide
Any claim or expense arising from Your suicide, attempted suicide, insanity, intentional self injury, alcohol, drug or solvent abuse or any wilful act of self exposure to needless peril (except in an attempt to save
human life).
10. Date Exclusion
We will not cover You for any loss, injury, damage, illness, death or legal liability arising directly or indirectly from or consisting of the following: the failure or fear of failure or inability of any equipment or any
computer program, whether or not You own it, to recognise or to correctly interpret or process any date as its true calendar date, or to continue to function correctly beyond that date.
11. Alcohol, Drugs and Solvents
Any claim, expense or liability caused directly or indirectly by You being affected (temporarily or otherwise) by alcohol, drugs or solvents.
12. Bankruptcy
This policy does not cover anything caused directly or indirectly by bankruptcy / liquidation of any tour operator, travel agent, transportation company or accommodation supplier.
13. Dangerous Sports and Activities
Any claims directly or indirectly from You engaging in Dangerous Sports and Activities are not covered, for a full list please see Your Schedule.
14. Professional Sports
Professional sports of any kind.
15. Pregnancy
Any claims related directly or indirectly to pregnancy or child birth.
16. Residency
Any claims unless You are a UK Resident.
17. Travel Dates
Any claims if You had already commenced the Trip at the Policy issue date.
18. Commencement of Trip
Any claim unless You are travelling on a Trip that commences in the UK or the Republic of Ireland.
19. Safety
Any Trip where at the Policy Issue Date You intended to visit a country where the Foreign and Commonwealth Travel Advice website at http:advise against 'all travel' or 'travel unless on essential business'.
20. Medical
Any Trip where You are travelling against medical advice or where You are travelling to have medical treatment. Any claims if You have been given a terminal prognosis by a registered doctor. Any claims if You are
aware of any reason why a planned Trip is likely to be cancelled or cut short e.g. terminal prognosis or illness of a close Relative, close Business Associate or someone else upon whose health Your Trip depends.

We will not cover the following:-
4. War Risks, Terrorism, Riot and Civil Commotion
This Policy does not cover death, bodily injury, loss, damage, cost or expense of whatever nature or any consequence resulting directly or indirectly from or in connection with:-
a) war, invasion, act of foreign enemy hostilities or a warlike operation or operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, coup, riot or civil commotion assuming the proportions of or amounting to an uprising, military or usurped power.
b) any act of terrorism regardless of any other cause or event contributing at the same time or in any other sequence to the loss.
Terrorism is defined as any act or acts including but not limited to
i) the use or threat of force and/or violence; and/or
ii) harm or damage to life or to property (or the threat of such harm or damage) caused or occasioned by any person(s) or group(s) of persons or so claimed in whole or in part for political, religious, ideological or similar purposes.
c) any action taken in controlling preventing suppressing or in any way relating to (a) or (b) above.
This exclusion does not apply to Section 6 - Hijack & Hostage.

We will not cover the following:-
4. War Risks, Terrorism, Riot and Civil Commotion
This Policy does not cover death, bodily injury, loss, damage, cost or expense of whatever nature or any consequence resulting directly or indirectly from or in connection with:-
a) war, invasion, act of foreign enemy hostilities or a warlike operation or operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, coup, riot or civil commotion assuming the proportions of or amounting to an uprising, military or usurped power.
b) any act of terrorism regardless of any other cause or event contributing at the same time or in any other sequence to the loss.
Terrorism is defined as any act or acts including but not limited to
i) the use or threat of force and/or violence; and/or
ii) harm or damage to life or to property (or the threat of such harm or damage) caused or occasioned by any person(s) or group(s) of persons or so claimed in whole or in part for political, religious, ideological or similar purposes.
c) any action taken in controlling preventing suppressing or in any way relating to (a) or (b) above.
This exclusion does not apply to Section 6 - Hijack & Hostage.

We will not cover the following:-
10. Date Exclusion
We will not cover You for any loss, injury, damage, illness, death or legal liability arising directly or indirectly from or consisting of the following: the failure or fear of failure or inability of any equipment or any
computer program, whether or not You own it, to recognise or to correctly interpret or process any date as its true calendar date, or to continue to function correctly beyond that date.

general conditions
Please read these Conditions carefully as Cover is only operative if they are fulfilled.
1. General Terms
a) Each person insured by the Policy shall be deemed to be insured as an individual and personally subject to the terms, conditions and exclusions of this Policy.
b) Alteration to the terms, conditions and exclusions of this insurance are not valid unless confirmed in writing by Us or the agent who issued the Policy.
c) If You claim under more than one Endsleigh Travel Policy, We shall not pay more in total than the Sum Insured stated for any cover section
d) Our liability to make any payment under this Policy will be conditional upon compliance with the terms and conditions of the Policy book by You.
2. Reasonable Care
You must take all reasonable steps to
a) Prevent accidents, illness, loss or damage or liability.
b) Get back any lost or stolen articles and You must help the authorities in their efforts to catch and prosecute the person guilty of the crime.
3. Claims Procedure
a) On discovery of any event which may give rise to a claim You must notify Us within 28 days;
b) You must supply to Us at Your own expense, all proofs, evidence or other information as might be reasonably required, refer to the "How to make a claim" section on pages 9-10 for further details.
c) i) You must notify ISIS Assistance before arranging any repatriation, air ambulance or similar service arrangements which is intended to be the subject of a claim.
ii) In the event that repatriation is necessary You must supply a doctor's certificate confirming the necessity of returning Home in support of any claim for curtailment for any medical reason as detailed under Section 1 - Medical Expenses.
iii) We reserve the right to repatriate You if You are seriously sick or injured to Your Home at any time, providing this does not go against medical advice.
Failure to comply with this condition could result in immediate cancellation of cover.
d) Upon payment of any claim under this Policy for total loss or damage to any property, the property concerned shall belong to Us except that You may reclaim it upon repayment to Us of the amount paid under the Policy.
e) For any claims as a result of a crime, the Police must be advised within 24 hours of the incident.
f) We will have the right to take over and conduct in Your name the defence or settlement or recovery of any claim, or to prosecute in Your name but for Our own benefit any claim. We shall also have full discretion in the conduct of any proceedings and in the settlement or recovery of any claim, and You must give Us all the assistance We may reasonably require.
4. Fraudulent Claims
If any claim under this Policy is in any way fraudulent, or if any fraudulent means or device is used by You or by any person acting on Your behalf to obtain any benefit under this Policy , We will not pay any part of the claim and all cover provided by this Policy will be forfeited.
5. Alternative Transport
Where the intended method of travel and/or route is unavailable, You must take suitable steps to travel by the most reasonable alternative method or route, and accept any alternative method of travel and/or route provided by Your travel agent, tour operator or carrier.
6. Our Entitlements
a) You shall reimburse Us within 1 month of the expiry of the Period of Insurance any expenses not covered by this Policy which are incurred on Your behalf.
b) If We are obliged by the law of any territory to make payment for which We would not otherwise be liable under this Policy, then You must repay such amounts to Us within 1 month of the expiry of the Period of Insurance.
7. Co-Insurance
If any other insurance covers the same loss, damage or liability, this Policy will not pay any amount covered by such insurance. This will not apply in the event of claims under Section 2 except as described by General Condition 1C.
8. Cancellation of Your Policy
a) Where You have returned Home early or terminated the travel arrangements envisaged when Cover was arranged, You shall be entitled to a pro rata refund of premium less an administration fee of £20.00, except for a Multi-Trip Policy where no refund of premium will be possible under any circumstances.
b) Where a claim arises under Section 4 - Cancelling Your Trip or Cutting it short, no refund of premium will be possible under any circumstances.
9. Arbitration
If any d