Endsleigh Backpacker

Section 2 emergency medical and other expenses
What is covered
We will pay You up to £2,000,000 for the following expenses which are necessarily incurred within 12 months of the incident as a result of Your suffering Bodily Injury or illness and/or compulsory quarantine:
1. Emergency medical, surgical, hospital, ambulance and nursing fees and charges incurred:
a) outside the United Kingdom or
b) within the Channel Islands.
2. In the event of Your death:
a) outside the United Kingdom the reasonable additional cost of funeral expenses abroad up to a maximum of £2,000 plus the reasonable cost of conveying Your ashes to Your Home, or the additional costs of returning Your body to Your Home.
b) within the United Kingdom the reasonable additional cost of returning Your ashes or body to Your Home up to a maximum of £750.
3. Reasonable additional transport (economy class) or accommodation expenses incurred, up to the standard of Your original booking, if it is medically necessary for You to stay beyond Your scheduled return date. This includes, with the prior authorisation of the Emergency Assistance Service, reasonable additional transport or accommodation expenses for a friend or Close Relative to remain with You or travel to You from the United Kingdom or escort You and additional travel expenses to return You to Your Home if You are unable to use the return ticket.
4. With the prior authorisation of the Emergency Assistance Service, the additional costs incurred in the use of air transport or other suitable means, including qualified attendants, to repatriate You to Your Home if it is medically necessary. Repatriation expenses will be in respect only of the identical class of travel utilised on the outward journey unless the Emergency Assistance Service agree otherwise.
What is not covered
1. The first £50 of each and every claim per incident claimed for under this section by each Insured Person.
2. Any claims arising directly or indirectly in respect of:
a) Costs of telephone calls, other than calls to the Emergency Assistance Service notifying them of the problem for which You are able to provide a receipt or other evidence to show the cost of the call and the number telephoned.
b) The cost of treatment or surgery, including exploratory tests, which are not directly related to the Bodily Injury or illness which necessitated Your admittance into hospital.
c) Any expenses which are not usual, reasonable or customary to treat Your Bodily Injury or illness.
d) Any form of treatment or surgery which in the opinion of the Medical Practitioner in attendance and the Emergency Assistance Service can be delayed reasonably until Your return to the United Kingdom.
e) Expenses incurred in obtaining or replacing medication or obtaining treatment or ongoing regular therapy, which at the time of departure is known to be required or to be continued outside the United Kingdom
f) Additional costs arising from single or private room accommodation.
g) Treatment or services provided by a health spa, convalescent or nursing home or any rehabilitation centre unless agreed by the Emergency Assistance Service.
h) Any expenses incurred after You have returned to the
United Kingdom.
i) Expenses incurred as a result of a tropical disease where You have not had the recommended inoculations and/or taken the recommended medication.
j) Your decision not to be repatriated after the date when in the opinion of the Emergency Assistance Service it is safe to do so.
k) Any expenses arising from dental consultation or treatment (including surgery, tests or investigation).
l) Outpatient treatment.
3. Anything mentioned in the general exclusions on page 11. You should also refer to the Important conditions relating to health on page 10.
Special conditions relating to claims
1. You must give notice as soon as possible to the Emergency Assistance Service or Us of any Bodily Injury or illness which necessitates Your admittance to hospital as an in-patient or before any arrangements are made for Your repatriation. 2. In the event of Your Bodily Injury or illness We reserve the right to relocate You from one hospital to another and arrange for Your repatriation to the United Kingdom at any time during the Trip. We will do this if in the opinion of the Medical Practitioner in attendance or the Emergency Assistance Service You can be moved safely and / or travel safely to the United Kingdom to continue treatment.

Section 2 emergency medical and other expenses
What is covered
We will pay You up to £2,000,000 for the following expenses which are necessarily incurred within 12 months of the incident as a result of Your suffering Bodily Injury or illness and/or compulsory quarantine:
1. Emergency medical, surgical, hospital, ambulance and nursing fees and charges incurred:
a) outside the United Kingdom or
b) within the Channel Islands.
2. In the event of Your death:
a) outside the United Kingdom the reasonable additional cost of funeral expenses abroad up to a maximum of £2,000 plus the reasonable cost of conveying Your ashes to Your Home, or the additional costs of returning Your body to Your Home.
b) within the United Kingdom the reasonable additional cost of returning Your ashes or body to Your Home up to a maximum of £750.
3. Reasonable additional transport (economy class) or accommodation expenses incurred, up to the standard of Your original booking, if it is medically necessary for You to stay beyond Your scheduled return date. This includes, with the prior authorisation of the Emergency Assistance Service, reasonable additional transport or accommodation expenses for a friend or Close Relative to remain with You or travel to You from the United Kingdom or escort You and additional travel expenses to return You to Your Home if You are unable to use the return ticket.
4. With the prior authorisation of the Emergency Assistance Service, the additional costs incurred in the use of air transport or other suitable means, including qualified attendants, to repatriate You to Your Home if it is medically necessary. Repatriation expenses will be in respect only of the identical class of travel utilised on the outward journey unless the Emergency Assistance Service agree otherwise.
What is not covered
1. The first £50 of each and every claim per incident claimed for under this section by each Insured Person.
2. Any claims arising directly or indirectly in respect of:
a) Costs of telephone calls, other than calls to the Emergency Assistance Service notifying them of the problem for which You are able to provide a receipt or other evidence to show the cost of the call and the number telephoned.
b) The cost of treatment or surgery, including exploratory tests, which are not directly related to the Bodily Injury or illness which necessitated Your admittance into hospital.
c) Any expenses which are not usual, reasonable or customary to treat Your Bodily Injury or illness.
d) Any form of treatment or surgery which in the opinion of the Medical Practitioner in attendance and the Emergency Assistance Service can be delayed reasonably until Your return to the United Kingdom.
e) Expenses incurred in obtaining or replacing medication or obtaining treatment or ongoing regular therapy, which at the time of departure is known to be required or to be continued outside the United Kingdom
f) Additional costs arising from single or private room accommodation.
g) Treatment or services provided by a health spa, convalescent or nursing home or any rehabilitation centre unless agreed by the Emergency Assistance Service.
h) Any expenses incurred after You have returned to the
United Kingdom.
i) Expenses incurred as a result of a tropical disease where You have not had the recommended inoculations and/or taken the recommended medication.
j) Your decision not to be repatriated after the date when in the opinion of the Emergency Assistance Service it is safe to do so.
k) Any expenses arising from dental consultation or treatment (including surgery, tests or investigation).
l) Outpatient treatment.
3. Anything mentioned in the general exclusions on page 11. You should also refer to the Important conditions relating to health on page 10.
Special conditions relating to claims
1. You must give notice as soon as possible to the Emergency Assistance Service or Us of any Bodily Injury or illness which necessitates Your admittance to hospital as an in-patient or before any arrangements are made for Your repatriation. 2. In the event of Your Bodily Injury or illness We reserve the right to relocate You from one hospital to another and arrange for Your repatriation to the United Kingdom at any time during the Trip. We will do this if in the opinion of the Medical Practitioner in attendance or the Emergency Assistance Service You can be moved safely and / or travel safely to the United Kingdom to continue treatment.

Section 2 emergency medical and other expenses
What is covered
We will pay You up to £2,000,000 for the following expenses which are necessarily incurred within 12 months of the incident as a result of Your suffering Bodily Injury or illness and/or compulsory quarantine:
1. Emergency medical, surgical, hospital, ambulance and nursing fees and charges incurred:
a) outside the United Kingdom or
b) within the Channel Islands.
2. In the event of Your death:
a) outside the United Kingdom the reasonable additional cost of funeral expenses abroad up to a maximum of £2,000 plus the reasonable cost of conveying Your ashes to Your Home, or the additional costs of returning Your body to Your Home.
b) within the United Kingdom the reasonable additional cost of returning Your ashes or body to Your Home up to a maximum of £750.
3. Reasonable additional transport (economy class) or accommodation expenses incurred, up to the standard of Your original booking, if it is medically necessary for You to stay beyond Your scheduled return date. This includes, with the prior authorisation of the Emergency Assistance Service, reasonable additional transport or accommodation expenses for a friend or Close Relative to remain with You or travel to You from the United Kingdom or escort You and additional travel expenses to return You to Your Home if You are unable to use the return ticket.
4. With the prior authorisation of the Emergency Assistance Service, the additional costs incurred in the use of air transport or other suitable means, including qualified attendants, to repatriate You to Your Home if it is medically necessary. Repatriation expenses will be in respect only of the identical class of travel utilised on the outward journey unless the Emergency Assistance Service agree otherwise.
What is not covered
1. The first £50 of each and every claim per incident claimed for under this section by each Insured Person.
2. Any claims arising directly or indirectly in respect of:
a) Costs of telephone calls, other than calls to the Emergency Assistance Service notifying them of the problem for which You are able to provide a receipt or other evidence to show the cost of the call and the number telephoned.
b) The cost of treatment or surgery, including exploratory tests, which are not directly related to the Bodily Injury or illness which necessitated Your admittance into hospital.
c) Any expenses which are not usual, reasonable or customary to treat Your Bodily Injury or illness.
d) Any form of treatment or surgery which in the opinion of the Medical Practitioner in attendance and the Emergency Assistance Service can be delayed reasonably until Your return to the United Kingdom.
e) Expenses incurred in obtaining or replacing medication or obtaining treatment or ongoing regular therapy, which at the time of departure is known to be required or to be continued outside the United Kingdom
f) Additional costs arising from single or private room accommodation.
g) Treatment or services provided by a health spa, convalescent or nursing home or any rehabilitation centre unless agreed by the Emergency Assistance Service.
h) Any expenses incurred after You have returned to the
United Kingdom.
i) Expenses incurred as a result of a tropical disease where You have not had the recommended inoculations and/or taken the recommended medication.
j) Your decision not to be repatriated after the date when in the opinion of the Emergency Assistance Service it is safe to do so.
k) Any expenses arising from dental consultation or treatment (including surgery, tests or investigation).
l) Outpatient treatment.
3. Anything mentioned in the general exclusions on page 11. You should also refer to the Important conditions relating to health on page 10.
Special conditions relating to claims
1. You must give notice as soon as possible to the Emergency Assistance Service or Us of any Bodily Injury or illness which necessitates Your admittance to hospital as an in-patient or before any arrangements are made for Your repatriation. 2. In the event of Your Bodily Injury or illness We reserve the right to relocate You from one hospital to another and arrange for Your repatriation to the United Kingdom at any time during the Trip. We will do this if in the opinion of the Medical Practitioner in attendance or the Emergency Assistance Service You can be moved safely and / or travel safely to the United Kingdom to continue treatment.

section 6 overseas legal expenses and assistance
What is covered
We will pay up to £10,000 for legal costs to pursue a civil action for compensation if someone else causes You Bodily Injury, illness or death. Where there are two or more Insured Persons insured by this policy, then the maximum amount payable by Us for all such claims shall not exceed £10,000.
What is not covered
We shall not be liable for:
1. Any claim where in the Our opinion there is insufficient prospect of success in obtaining reasonable compensation.
2. Legal costs and expenses incurred in pursuit of any claim against a travel agent, tour operator, carrier, Us, Emergency Assistance Service or their agents, someone You were travelling with, a
person related to You, or another Insured Person.
3. Legal costs and expenses incurred prior to the Our written acceptance of the case.
4. Any claim where the legal costs and expenses are likely to be greater than the anticipated amount of compensation.
5. Any claim where legal costs and expenses are based directly or indirectly on the amount of compensation awarded (for example a Contingency Fee Agreement).
6. Legal costs and expenses incurred in any claim which is capable of being pursued under a Conditional Fee Agreement.
7. Legal costs and expenses incurred if an action is brought in more than one country.
8. Any claim where in the Our opinion the estimated amount of compensation payment is less than £1,000 for each Insured Person.
9. Travel, accommodation and incidental costs incurred to pursue a civil action for compensation.
10. Costs of any Appeal.
11. Claims occurring within the United Kingdom.
12. Claims by You other than in Your private capacity.
13. Anything mentioned in the general exclusions on page 11.
Special conditions relating to claims
1. We shall have complete control over the legal case through agents We nominate, by appointing agents of Our choice on Your behalf with the expertise to pursue Your claim.
2. You must follow Our agents advice and provide any information and assistance required within a reasonable timescale.
3. You must advise Us of any offers of settlement made by the negligent third party and You must not accept any such offer without Our consent.
4. We will decide the point at which Your legal case cannot usefully be pursued further. After that no further claims can be made against the Us.
5. We may include a claim for Our legal costs and other related expenses.
6. We may, at Our own expense, take proceedings in Your name to recover compensation from any third party in respect of any indemnity paid under this policy. You must give such assistance as We shall reasonably require and any amount recovered shall belong to the Us.

Section 4 passport and documents
What is covered
1. We will pay You up to £200 for the accidental loss of, theft of or damage to documents (including passports, visas and driving licence).
2. We will pay You up to £200 for reasonable additional travel and accommodation expenses incurred necessarily abroad to obtain a replacement of Your lost or stolen passport or visa.
What is not covered
1. The first £50 of each and every claim per incident claimed for under this section by each Insured Person.
2. Loss, theft of or damage to Your passport or visa left Unattended at any time (including in a vehicle or in the custody of carriers) unless deposited in a hotel safe, safety deposit box or left in Your locked accommodation.
3. Loss or damage due to delay, confiscation or detention by customs or other authority.
4. Loss or damage due to depreciation in value.
5. Loss, theft or damage to Personal Money.
6. Anything mentioned in the general exclusions on page 11.
Special conditions relating to claims
1. You must report to the local Police within 24 hours of discovery and obtain a written report of the loss, theft or attempted theft of Your passport or documents.
2. If Your passport or documents are lost, stolen or damaged while in the care of a carrier, transport company, authority or hotel You must report to them, in writing, details of the loss, theft or damage and obtain written confirmation. If Your passport or documents are lost, stolen or damaged whilst in the care of an airline You must:
a) obtain a Property Irregularity Report from the airline.
b) give formal written notice of the claim to the airline within the time limit contained in their conditions of carriage (please retain a copy).
c) retain all travel tickets and tags for submission if a claim is to be made under this policy.
3. Receipts for items lost, stolen or damaged must be retained as these will help You to substantiate Your claim.

Section 2 emergency medical and other expenses
What is covered
We will pay You up to £2,000,000 for the following expenses which are necessarily incurred within 12 months of the incident as a result of Your suffering Bodily Injury or illness and/or compulsory quarantine:
1. Emergency medical, surgical, hospital, ambulance and nursing fees and charges incurred:
a) outside the United Kingdom or
b) within the Channel Islands.
2. In the event of Your death:
a) outside the United Kingdom the reasonable additional cost of funeral expenses abroad up to a maximum of £2,000 plus the reasonable cost of conveying Your ashes to Your Home, or the additional costs of returning Your body to Your Home.
b) within the United Kingdom the reasonable additional cost of returning Your ashes or body to Your Home up to a maximum of £750.
3. Reasonable additional transport (economy class) or accommodation expenses incurred, up to the standard of Your original booking, if it is medically necessary for You to stay beyond Your scheduled return date. This includes, with the prior authorisation of the Emergency Assistance Service, reasonable additional transport or accommodation expenses for a friend or Close Relative to remain with You or travel to You from the United Kingdom or escort You and additional travel expenses to return You to Your Home if You are unable to use the return ticket.
4. With the prior authorisation of the Emergency Assistance Service, the additional costs incurred in the use of air transport or other suitable means, including qualified attendants, to repatriate You to Your Home if it is medically necessary. Repatriation expenses will be in respect only of the identical class of travel utilised on the outward journey unless the Emergency Assistance Service agree otherwise.
What is not covered
1. The first £50 of each and every claim per incident claimed for under this section by each Insured Person.
2. Any claims arising directly or indirectly in respect of:
a) Costs of telephone calls, other than calls to the Emergency Assistance Service notifying them of the problem for which You are able to provide a receipt or other evidence to show the cost of the call and the number telephoned.
b) The cost of treatment or surgery, including exploratory tests, which are not directly related to the Bodily Injury or illness which necessitated Your admittance into hospital.
c) Any expenses which are not usual, reasonable or customary to treat Your Bodily Injury or illness.
d) Any form of treatment or surgery which in the opinion of the Medical Practitioner in attendance and the Emergency Assistance Service can be delayed reasonably until Your return to the United Kingdom.
e) Expenses incurred in obtaining or replacing medication or obtaining treatment or ongoing regular therapy, which at the time of departure is known to be required or to be continued outside the United Kingdom
f) Additional costs arising from single or private room accommodation.
g) Treatment or services provided by a health spa, convalescent or nursing home or any rehabilitation centre unless agreed by the Emergency Assistance Service.
h) Any expenses incurred after You have returned to the
United Kingdom.
i) Expenses incurred as a result of a tropical disease where You have not had the recommended inoculations and/or taken the recommended medication.
j) Your decision not to be repatriated after the date when in the opinion of the Emergency Assistance Service it is safe to do so.
k) Any expenses arising from dental consultation or treatment (including surgery, tests or investigation).
l) Outpatient treatment.
3. Anything mentioned in the general exclusions on page 11. You should also refer to the Important conditions relating to health on page 10.
Special conditions relating to claims
1. You must give notice as soon as possible to the Emergency Assistance Service or Us of any Bodily Injury or illness which necessitates Your admittance to hospital as an in-patient or before any arrangements are made for Your repatriation. 2. In the event of Your Bodily Injury or illness We reserve the right to relocate You from one hospital to another and arrange for Your repatriation to the United Kingdom at any time during the Trip. We will do this if in the opinion of the Medical Practitioner in attendance or the Emergency Assistance Service You can be moved safely and / or travel safely to the United Kingdom to continue treatment.

Section 3 baggage (only operative if indicated in the statement of insurance)
What is covered
1. We will pay You up to £500 for the accidental loss of, theft of or
damage to Your Baggage.
The amount payable will be the value at todays prices less a deduction for wear tear and depreciation, (or We may at Our option replace, reinstate or repair the lost or damaged Baggage).
The maximum We will pay for the following items is:
a) for any one article, pair or set of articles £200.
b) the total for all Valuables £150.
What is not covered
1. The first £50 of each and every claim per incident claimed for under this section by each Insured Person.
2. Loss, theft of or damage to Valuables left Unattended at any time (including in a vehicle or in the custody of carriers) unless deposited in a hotel safe, safety deposit box or left in Your locked accommodation.
3. Loss, theft of or damage to Baggage contained in an Unattended vehicle:
a) overnight between 9 p.m. and 9 a.m. (local time) or
b) at any time between 9 a.m. and 9 p.m. (local time) unless it is in the locked boot which is separate from the passenger compartment for those vehicles with a boot, or for those vehicles without a separate boot locked in the vehicle and covered from view.
4. Loss or damage due to delay, confiscation or detention by customs or other authority.
5. Loss, theft of or damage to unset precious stones, contact or corneal lenses, hearing aids, dental or medical fittings, antiques, musical instruments, documents of any kind, bonds, securities, perishable
goods, bicycles, Ski Equipment and damage to suitcases (unless the suitcases are entirely unusable as a result of one single incidence of damage).
6. Loss or damage due to cracking, scratching, breakage of or damage to china, glass (other than glass in watch faces, cameras, binoculars or telescopes), porcelain or other brittle or fragile articles unless
caused by fire, theft, or accident to the aircraft, sea vessel, train or vehicle in which they are being carried.
7. Loss or damage due to breakage of sports equipment or damage to sports clothing whilst in use.
8. Loss, theft of or damage to business goods, samples, tools of trade, motor accessories and other items used in connection with Your business, trade, profession or occupation.
9. Loss or damage caused by wear and tear, depreciation, deterioration, atmospheric or climatic conditions, moth, vermin, any process of cleaning repairing or restoring, mechanical or electrical breakdown.
10. Anything mentioned in the general exclusions on page 11.
Special conditions relating to claims
1. You must report to the local Police within 24 hours of discovery and obtain a written report of the loss, theft or attempted theft of all Baggage.
2. If Baggage is lost, stolen or damaged while in the care of a carrier, transport company, authority or hotel You must report to them, in writing, details of the loss, theft or damage and obtain written confirmation. If Baggage is lost, stolen or damaged whilst in the care of an airline You must:
a) obtain a Property Irregularity Report from the airline.
b) give formal written notice of the claim to the airline within the time limit contained in their conditions of carriage (please retain a copy).
c) retain all travel tickets and tags for submission if a claim is to be made under this policy.
3. Receipts for items lost, stolen or damaged must be retained as these will help You to substantiate Your claim.

Section 3 baggage (only operative if indicated in the statement of insurance)
What is covered
1. We will pay You up to £500 for the accidental loss of, theft of or
damage to Your Baggage.
The amount payable will be the value at todays prices less a deduction for wear tear and depreciation, (or We may at Our option replace, reinstate or repair the lost or damaged Baggage).
The maximum We will pay for the following items is:
a) for any one article, pair or set of articles £200.
b) the total for all Valuables £150.
What is not covered
1. The first £50 of each and every claim per incident claimed for under this section by each Insured Person.
2. Loss, theft of or damage to Valuables left Unattended at any time (including in a vehicle or in the custody of carriers) unless deposited in a hotel safe, safety deposit box or left in Your locked accommodation.
3. Loss, theft of or damage to Baggage contained in an Unattended vehicle:
a) overnight between 9 p.m. and 9 a.m. (local time) or
b) at any time between 9 a.m. and 9 p.m. (local time) unless it is in the locked boot which is separate from the passenger compartment for those vehicles with a boot, or for those vehicles without a separate boot locked in the vehicle and covered from view.
4. Loss or damage due to delay, confiscation or detention by customs or other authority.
5. Loss, theft of or damage to unset precious stones, contact or corneal lenses, hearing aids, dental or medical fittings, antiques, musical instruments, documents of any kind, bonds, securities, perishable
goods, bicycles, Ski Equipment and damage to suitcases (unless the suitcases are entirely unusable as a result of one single incidence of damage).
6. Loss or damage due to cracking, scratching, breakage of or damage to china, glass (other than glass in watch faces, cameras, binoculars or telescopes), porcelain or other brittle or fragile articles unless
caused by fire, theft, or accident to the aircraft, sea vessel, train or vehicle in which they are being carried.
7. Loss or damage due to breakage of sports equipment or damage to sports clothing whilst in use.
8. Loss, theft of or damage to business goods, samples, tools of trade, motor accessories and other items used in connection with Your business, trade, profession or occupation.
9. Loss or damage caused by wear and tear, depreciation, deterioration, atmospheric or climatic conditions, moth, vermin, any process of cleaning repairing or restoring, mechanical or electrical breakdown.
10. Anything mentioned in the general exclusions on page 11.
Special conditions relating to claims
1. You must report to the local Police within 24 hours of discovery and obtain a written report of the loss, theft or attempted theft of all Baggage.
2. If Baggage is lost, stolen or damaged while in the care of a carrier, transport company, authority or hotel You must report to them, in writing, details of the loss, theft or damage and obtain written confirmation. If Baggage is lost, stolen or damaged whilst in the care of an airline You must:
a) obtain a Property Irregularity Report from the airline.
b) give formal written notice of the claim to the airline within the time limit contained in their conditions of carriage (please retain a copy).
c) retain all travel tickets and tags for submission if a claim is to be made under this policy.
3. Receipts for items lost, stolen or damaged must be retained as these will help You to substantiate Your claim.

Section 1 cancellation or curtailment charges
What is covered
We will pay You up to £1,000 for any irrecoverable unused travel and accommodation costs (including excursions up to £250) and other pre-paid charges which You have paid or are contracted to pay together with any reasonable additional travel expenses incurred if
a) cancellation of the Trip is necessary and unavoidable or
b) the Trip is Curtailed before completion as a result of any of the following events occurring:
1. The death, Bodily Injury or illness of:
a) You
b) any person with whom You are travelling or have arranged to travel with
c) any person with whom You have arranged to reside temporarily
d) Your Close Relative e) Your Close Business Associate.
2. Compulsory quarantine, jury service attendance or being called as a witness at a Court of Law of You or any person with whom You are travelling or have arranged to travel with.
3. Redundancy (which qualifies for payment under current United Kingdom redundancy payment legislation and at the time of booking the Trip there was no reason to believe anyone would be made redundant) of You or any person with whom You are travelling or have arranged to travel with.
4. You or any person with whom You are travelling or have arranged to travel with are a member of the Armed Forces, Police, Fire, Nursing or Ambulance Services or employees of a Government Department
and have Your/their authorised leave cancelled for operational reasons, provided that such cancellation or Curtailment could not reasonably have been expected at the time this insurance is purchased by You.
5. The Police requesting You to remain at or return to Your Home due to serious damage to Your Home caused by fire, aircraft, explosion, storm, flood, subsidence, malicious persons or theft.
You may only claim under section 1 Cancellation or curtailment charges or section 7 Independent traveller cover for the same event, not both.
What is not covered
1. The first £50 of each and every claim per incident claimed for under this section by each Insured Person.
2. The cost of Airport Departure Duty.
3. Any claims arising directly or indirectly from:
a) Redundancy caused by or resulting from misconduct leading to dismissal or from resignation or voluntary redundancy or where a warning or notification of redundancy was given prior to the date this insurance is purchased by You or the time of booking any Trip (whichever is the earlier).
b) Circumstances known to You prior to the date this insurance is purchased by You or the time of booking any Trip (whichever is the earlier) which could reasonably have been expected to give rise to cancellation or Curtailment of the Trip.
c) Outpatient treatment
4. Travel tickets paid for using any airline mileage reward scheme, for example Air Miles.
5. Anything mentioned in the general exclusions on page 11. You should also refer to the Important conditions relating to health on page 10.
Special conditions relating to claims
1. You must obtain a medical certificate from the Medical Practitioner in attendance and prior approval of the Emergency Assistance Service to confirm the necessity to return Home prior to Curtailment of the Trip due to death, Bodily Injury or illness.
2. If You fail to notify the travel agent, tour operator or provider of transport/accommodation immediately it is found necessary to cancel the Trip Our liability shall be restricted to the cancellation charges that would have applied had failure not occurred.
3. If You cancel the Trip due to
i. Stress, anxiety, depression or any other mental or nervous disorder that You are suffering from You must provide a medical certificate from a consultant specialising in the relevant field
ii. Any other illness or a Bodily Injury You must provide a medical certificate from a Medical Practitioner stating that this necessarily and reasonably prevented You from travelling.

Section 5 personal liability
What is covered
We will pay up to £1,000,000 (inclusive of legal costs and expenses) against any amount You become legally liable to pay as compensation for any claim or series of claims arising from any one event or source
of original cause in respect of accidental:
1. Bodily Injury, death, illness or disease to any person who is not in Your employment or who is not a Close Relative or member of Your household.
2. Loss of or damage to property that does not belong to and is neither in the charge of or under the control of You, a Close Relative, anyone in Your employment or any member of Your household other than any temporary holiday accommodation occupied (but not owned) by You.
What is not covered
1. Compensation or legal costs arising directly or indirectly from:
a) Liability which has been assumed by You under agreement unless the liability would have attached in the absence of such agreement.
b) Pursuit of any business, trade, profession or occupation or the supply of goods or services.
c) Ownership possession or use of vehicles aircraft or watercraft (other than surfboards or manually propelled rowboats, punts or canoes).
d) The transmission of any communicable disease or virus.
e) Ownership or occupation of land or buildings (other than occupation only of any temporary holiday accommodation where We will not pay for the first £100 of each and every claim arising from the same incident).
2. Anything mentioned in the general exclusions on page 11.
Special conditions relating to claims
1. You must give Us written notice as soon as possible of any incident, which may give rise to a claim.
2. You must forward every letter, writ, summons and process to Us as soon as You receive it.
3. You must not admit any liability or pay, offer to pay, promise to pay or negotiate any claim without Our written consent.
4. We will be entitled if We so desire to take over and conduct in Your name the defence of any claims for indemnity or damages or otherwise against any third party. We shall have full discretion in the conduct of any negotiation or proceedings or in the settlement of any claim and You shall give Us all necessary information and assistance which We may require.
5. In the event of Your death, Your legal representative(s) will have the protection of this cover provided that such representative(s) comply(ies) with the terms and conditions outlined in this policy.

Emergency and medical service
In the event of a serious illness or accident which may lead to inpatient hospital treatment or before any arrangements are made for repatriation or in the event of Curtailment necessitating Your early return Home You must contact the Emergency Assistance Service. The service is available to You and operates 24 hours a day, 365 days a year for advice, assistance, making arrangements for hospital admission, repatriation and authorisation of medical expenses. If this is not possible because the condition requires immediate emergency treatment You must contact the Emergency Assistance Service as soon
as possible. Private medical treatment is not covered unless authorised specifically by the Emergency Assistance Service.
Medical assistance abroad
The Emergency Assistance Service has the medical expertise, contacts and facilities to help should You be injured in an accident or fall ill. The Emergency Assistance Service will also arrange transport Home when this is considered to be medically necessary or when You have notice of serious illness or death of a Close Relative at home.
Payment for medical treatment abroad
If You are admitted to a hospital/clinic while abroad, the Emergency Assistance Service will arrange for medical expenses covered by the policy to be paid direct to the hospital/clinic. To take advantage of this
benefit someone must contact the Emergency Assistance Service for You as soon as possible. For simple out-patient treatment, You should pay the hospital/clinic yourself and claim back medical expenses from Us on Your return to the United Kingdom. Beware of requests for You to sign for excessive treatment or charges. If in doubt regarding any such requests, please call the Emergency Assistance Service for guidance. Contact the Emergency Assistance Service on telephone number: +44 (0) 845 271 4472 If You are in a country that does not accept the above international phone number please call +44 (0) 203 0609 671
Reciprocal health agreements
EU, EEA or Switzerland
If You are travelling to countries within the European Union (EU), the European Economic Area (EEA) or Switzerland You are strongly advised to obtain a European Health Insurance Card (EHIC) postal
application form from Your local Post Office. You can also apply either online through www.dh.gov.uk/travellers or by telephoning 0845 606 2030. This will entitle You to benefit from the reciprocal health care
arrangements which exist between countries within the EU/EEA or Switzerland. In the event of liability being accepted for a medical expense which has been reduced by the use of either a European Health Insurance Card or private health insurance, We will not apply the deduction of excess under section 2 Emergency medical and other expenses.
Australia
If You require medical treatment in Australia You must enrol with a local MEDICARE office. You do not need to enrol on arrival but You must do this after the first occasion You receive treatment. In-patient
and out-patient treatment at a public hospital is then available free of charge. Details of how to enrol and the free treatment available can be found in the Health advice for Travellers booklet available from Your
local Post Office or by visiting either www.dh.gov.uk/travellers or the MEDICARE website on www.hic.gov.au. Alternatively please call the Emergency Assistance Service for guidance. If You are admitted to hospital contact must be made with the Emergency Assistance Service as soon as possible and their authority obtained in respect of any treatment NOT available under MEDICARE.
Contact the Emergency Assistance Service on telephone number: +44 (0) 845 271 4472 If You are in a country that does not accept the above international phone number please call +44 (0) 203 0609 671

General exclusions applicable to all sections of the policy
We will not pay for claims arising directly or indirectly from:
1. War, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, Terrorism, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power but this exclusion shall not apply to losses under section 2 Emergency medical and other expenses unless such losses are caused by nuclear, chemical or
biological attack, or the disturbances were already taking place at the beginning of any Trip.
2. Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste, from combustion of nuclear fuel, the radioactive, toxic, explosive or other hazardous properties of any nuclear assembly or nuclear component of such assembly.
3. Loss, destruction or damage directly occasioned by pressure waves caused by aircraft and other aerial devices travelling at sonic or supersonic speeds.
4. The failure or fear of failure or inability of any equipment or any computer programme, whether or not You own it, to recognise or to interpret correctly or process any date as its true calendar date, or to continue to function correctly beyond that date.
5. Your pursuit of winter sports.
6. Your participation in or practice of any professional entertaining or professional sports.
7. Your participation in or practice of any other sport or activity, manual work or racing unless:
a) shown as covered without charge in the list on page 12 or
b) shown as covered in Your Statement of Insurance.
8. Your wilfully, self-inflicted injury or illness, suicide or attempted suicide, sexually transmitted diseases, solvent abuse, alcohol abuse, the use of drugs (other than drugs taken in accordance with treatment prescribed and directed by a Medical Practitioner, but not for the treatment of drug addiction), self-exposure to needless peril (except in an attempt to save human life).
9. Your own unlawful action or any criminal proceedings against You.
10. Consequential loss of any kind (for example the replacement of locks following loss of keys).
11. Operational duties of a member of the Armed Forces (other than claims arising from authorised leave being cancelled due to operational reasons, as provided for under sub section 4. of section 1 Cancellation or curtailment charges).
12. Your use of a motorised vehicle unless a full United Kingdom driving licence is held permitting the use of such vehicles in the United Kingdom.
13. Your travel to a country or specific area or event to which the Travel Advice Unit of the Foreign & Commonwealth Office or the World Health Organisation has advised the public not to travel.

We will not pay for claims arising directly or indirectly from:
1.War, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, Terrorism, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power but this exclusion shall not apply to losses under section 2 - Emergency medical and other expenses, section 3 - Hospital benefit and section 4 - Personal accident unless such losses are caused by nuclear, chemical or biological attack, or the disturbances were already taking place at the beginning of any Trip.

We will not pay for claims arising directly or indirectly from:
1.War, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, Terrorism, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power but this exclusion shall not apply to losses under section 2 - Emergency medical and other expenses, section 3 - Hospital benefit and section 4 - Personal accident unless such losses are caused by nuclear, chemical or biological attack, or the disturbances were already taking place at the beginning of any Trip.

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 applicable to the whole policy
You must comply with the following conditions to have the full protection of Your policy. If You do not comply We may at Our option cancel the policy or refuse to deal with Your claim or reduce the amount of any claim payment.
1. Dual insurance If at the time of any incident which results in a claim under this policy, there is another insurance covering the same loss, damage, expense or liability We will not pay more than Our proportional share.
2. Reasonable precautions You must take and cause to be taken all reasonable precautions to avoid injury, illness, disease, loss, theft or damage and also take and cause to be taken all practicable steps to safeguard Your property from loss or damage and to recover property lost or stolen.
3. Cancellation 14 Day Cooling Off Period You may cancel this policy and all associated cover sections within 14 days starting from the day You receive Your policy documents (the Cancellation Period) by writing to the address shown in Your Statement of Insurance during the Cancellation Period. We will refund Your premium less a charge for the period You have been insured, unless You have travelled or a claim or an incident likely to give rise to a claim has occurred, in which case no refund will be due. Cancellation Outside the 14 Day Cooling Off Period This policy may be cancelled:
a) by You sending Us notice to the address shown on Your Statement of Insurance.
We will return a proportionate refund of the premium You have paid in respect of the unexpired term of this policy unless You have travelled or a claim or an incident likely to give rise to a claim has occurred during the current Period of Insurance. In the event You have travelled or a claim or an incident likely to give rise to a claim has occurred, no refund of premium will be given.
b) by Us sending You 21 days notice in writing to Your last known address. We will return a proportionate refund of the premium You have paid in respect of the unexpired term of this policy unless You have travelled or a claim or an incident likely to give rise to a claim has occurred during the current Period of Insurance. In the event You have travelled or a claim or an incident likely to give rise to a claim has
occurred, no refund of premium will be given.
c) by Us immediately if You do not pay the premium.

Reciprocal health agreements
EU, EEA or Switzerland
If You are travelling to countries within the European Union (EU), the European Economic Area (EEA) or Switzerland You are strongly advised to obtain a European Health Insurance Card (EHIC) postal
application form from Your local Post Office. You can also apply either online through www.dh.gov.uk/travellers or by telephoning 0845 606 2030. This will entitle You to benefit from the reciprocal health
care arrangements which exist between countries within the EU/EEA or Switzerland. In the event of liability being accepted for a medical expense which has been reduced by the use of either a European Health Insurance Card or private health insurance, We will not apply the deduction of excess under section 2 - Emergency medical and other expenses.