Endsleigh Essential Holiday Travel Inc Winter Sports

Your Insurer
AXA Insurance UK plc.Registered in England No.78950. Registered Office: 5 Old Broad Street, London, EC2N 1AD. AXA Insurance UK plc is authorised and regulated by the Financial Services Authority. This can be checked on the FSA s register by visiting the FSA s website at www.fsa.gov.uk/register or by contacting them on 0845 606 1234.

Pre-Existing Medical Condition
Any disability or medical condition which you have suffered from or been diagnosed with up to 12 months before arranging cover.
What is covered -
Any pre-existing Medical condition which you have suffered from or were diagnosed with for more than 12 months before arranging cover and which you have effective control of through regular drug treatment.
Severe allergic reactions requiring emergency medical treatment.
What is not covered -
Any drugs you need to control the pre-existing medical condition on a regular basis.
Hospitalisation or treatment of any kind which you could reasonably have anticipated at the time of arranging cover.
Outpatient treatment
Ongoing regular therapy or treatment of any kind.

Section 2 emergency medical and other expenses
What is covered
We will pay You up to the following amount 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:
Essential £5,000,000
Comprehensive £10,000,000
1. Emergency medical, surgical, hospital, ambulance and nursing fees and charges incurred:
a) outside the United Kingdom or
b) within the Channel Islands.
2. Emergency dental treatment for the immediate relief of pain (to natural teeth only) up to the following limit:
Essential £250
Comprehensive £500
a) outside the United Kingdom or
b) within the Channel Islands.
3. 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.
4. 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.
5. 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.
For Comprehensive cover only
6. We will pay up to £5,000 towards the costs incurred by official bodies involved in searching for You or rescuing or recovering You if You are reported missing or have suffered Bodily Injury.
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) Outpatient treatment
3. Any claim for search and rescue not supported by a written statement from the appropriate authority involved in the search and/or rescue.
4. Anything mentioned in the general exclusions on page 8. You should also refer to the Important conditions relating to health on page 7 .
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.
3. In respect of item 6 above You must produce a statement from the official authorities proving the necessity of this search and/or rescue operation.

Section 4 personal accident
Special Definitions
Loss of limb means loss by permanent severance of an entire hand or foot or the total and permanent loss of use of an entire hand or foot..
Loss of sight means total and irrecoverable loss of sight.
What is covered
We will pay one of the benefits shown below if You sustain Bodily Injury which shall solely and independently of any other cause, result within two years in Your death, Loss of limb , Loss of sight or permanent total disablement.
BENEFIT Cover  Up to age  Age 16 years   Age 65 years
   15 years  to 64 years and over
inclusive inclusive
1. Death Essential  £1,000   £15,000   £1,000
Comprehensive   £1,000   £30,000   £1,000
2. Loss of one or more
limbs and/or Loss of sight
in one or both eyes
Essential   £15,000  £15,000   Not covered
Comprehensive  £30,000  £30,000   Not covered
3. Permanent total
disablement
Essential   £15,000  £15,000   Not covered
Comprehensive   £30,000  £30,000   Not covered
You may claim only under section 4 Personal accident or 12 Air Rage for the same event, not both.
What is not covered
1. Anything mentioned in the general exclusions on page 8. You should also refer to the Important conditions relating to health on page 7.
Special conditions relating to claims
1. Our Medical Practitioner may examine You as often as they deem necessary in the event of a claim.
Provisions
1. Benefit is not payable to You :
a) Under more than one of items 1, 2 or 3.
b) Under item 3.until one year after the date You sustain Bodily Injury
c) Under item 3.if You are able or may be able to carry out any relevant employment or relevant occupation.

Section 2 emergency medical and other expenses
What is covered
We will pay You up to the following amount 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:
Essential £5,000,000
Comprehensive £10,000,000
2. Emergency dental treatment for the immediate relief of pain (to natural teeth only) up to the following limit:
Essential £250
Comprehensive £500
a) outside the United Kingdom or
b) within the Channel Islands.

Section 2 emergency medical and other expenses
What is covered
We will pay You up to the following amount 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:
Essential £5,000,000
Comprehensive £10,000,000
1. Emergency medical, surgical, hospital, ambulance and nursing fees and charges incurred:
a) outside the United Kingdom or
b) within the Channel Islands.
2. Emergency dental treatment for the immediate relief of pain (to natural teeth only) up to the following limit:
Essential £250
Comprehensive £500
a) outside the United Kingdom or
b) within the Channel Islands.
3. 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.
4. 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.
5. 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.
For Comprehensive cover only
6. We will pay up to £5,000 towards the costs incurred by official bodies involved in searching for You or rescuing or recovering You if You are reported missing or have suffered Bodily Injury.
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) Outpatient treatment
3. Any claim for search and rescue not supported by a written statement from the appropriate authority involved in the search and/or rescue.
4. Anything mentioned in the general exclusions on page 8. You should also refer to the Important conditions relating to health on page 7 .
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.
3. In respect of item 6 above You must produce a statement from the official authorities proving the necessity of this search and/or rescue operation.

Section 2 emergency medical and other expenses
What is covered
We will pay You up to the following amount 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:
Essential £5,000,000
Comprehensive £10,000,000
1. Emergency medical, surgical, hospital, ambulance and nursing fees and charges incurred:
a) outside the United Kingdom or
b) within the Channel Islands.
2. Emergency dental treatment for the immediate relief of pain (to natural teeth only) up to the following limit:
Essential £250
Comprehensive £500
a) outside the United Kingdom or
b) within the Channel Islands.
3. 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.
4. 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.
5. 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.
For Comprehensive cover only
6. We will pay up to £5,000 towards the costs incurred by official bodies involved in searching for You or rescuing or recovering You if You are reported missing or have suffered Bodily Injury.
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) Outpatient treatment
3. Any claim for search and rescue not supported by a written statement from the appropriate authority involved in the search and/or rescue.
4. Anything mentioned in the general exclusions on page 8. You should also refer to the Important conditions relating to health on page 7 .
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.
3. In respect of item 6 above You must produce a statement from the official authorities proving the necessity of this search and/or rescue operation.

Section 6 personal money, passport and documents
What is covered
1. We will pay You up to the amounts shown below for the accidental loss of, theft of or damage to Personal Money and documents (including passports, visas and driving licence). In respect of foreign
currency cover is also operative during the 72 hours immediately preceding Your departure on the outward journey.
The maximum We will pay for the following items is:
a) For bank notes currency notes and coins £200.
b) If You are under the age of 16, for bank notes currency notes and coins £50.
c) Up to the following amount for all other Personal Money and documents:
Essential £200
Comprehensive £500
2. We will pay You up to the following amount:
Essential £250
Comprehensive £500
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 Personal Money or 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, theft of or damage to travellers cheques if You have not complied with the issuers conditions or where the issuer provides a replacement service.
4. Loss or damage due to delay,confiscation or detention by customs or other authority.
5. Loss or damage due to depreciation in value,variations in exchange rates or shortages due to error or omission.
6. Anything mentioned in the general exclusions on page 8.
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 Personal Money, passport or documents.
2. If Personal Money , 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 Personal Money , 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 14 overseas legal expenses and assistance
What is covered
We will pay up to the following amount:
Essential £10,000
Comprehensive £50,000
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 the maximum benefit shown below:
Maximum Benefit
Essential £10,000
Comprehensive £50,000
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 8.
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 agent s 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 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 Us.

Section 6 personal money, passport and documents
What is covered
1. We will pay You up to the amounts shown below for the accidental loss of, theft of or damage to Personal Money and documents (including passports, visas and driving licence). In respect of foreign
currency cover is also operative during the 72 hours immediately preceding Your departure on the outward journey.
The maximum We will pay for the following items is:
a) For bank notes currency notes and coins £200.
b) If You are under the age of 16, for bank notes currency notes and coins £50.
c) Up to the following amount for all other Personal Money and documents:
Essential £200
Comprehensive £500
2. We will pay You up to the following amount:
Essential £250
Comprehensive £500
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 Personal Money or 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, theft of or damage to travellers cheques if You have not complied with the issuers conditions or where the issuer provides a replacement service.
4. Loss or damage due to delay,confiscation or detention by customs or other authority.
5. Loss or damage due to depreciation in value,variations in exchange rates or shortages due to error or omission.
6. Anything mentioned in the general exclusions on page 8.
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 Personal Money, passport or documents.
2. If Personal Money , 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 Personal Money , 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 6 personal money, passport and documents
What is covered
1. We will pay You up to the amounts shown below for the accidental loss of, theft of or damage to Personal Money and documents (including passports, visas and driving licence). In respect of foreign
currency cover is also operative during the 72 hours immediately preceding Your departure on the outward journey.
The maximum We will pay for the following items is:
a) For bank notes currency notes and coins £200.
b) If You are under the age of 16, for bank notes currency notes and coins £50.
c) Up to the following amount for all other Personal Money and documents:
Essential £200
Comprehensive £500
2. We will pay You up to the following amount:
Essential £250
Comprehensive £500
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 Personal Money or 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, theft of or damage to travellers cheques if You have not complied with the issuers conditions or where the issuer provides a replacement service.
4. Loss or damage due to delay,confiscation or detention by customs or other authority.
5. Loss or damage due to depreciation in value,variations in exchange rates or shortages due to error or omission.
6. Anything mentioned in the general exclusions on page 8.
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 Personal Money, passport or documents.
2. If Personal Money , 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 Personal Money , 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.

Sections 17, 18, 19, 20 and 21 winter sports
(only operative if indicated in the Statement of Insurance)
COVER IN RESPECT OF SECTIONS 17, 18, 19, 20 AND 21 ONLY OPERATES:-
1.UNDER SINGLE TRIP POLICIES IF THE APPROPRIATE WINTER SPORTS EXTENSION HAS BEEN CHOSEN AND THE APPROPRIATE ADDITIONAL PREMIUM HAS BEEN PAID.
2.UNDER ANNUAL MULTI TRIP POLICIES FOR A PERIOD NOT EXCEEDING 17 DAYS IN TOTAL IN EACH PERIOD OF INSURANCE, IF THE APPROPRIATE WINTER SPORTS EXTENSION HAS BEEN CHOSEN AND THE APPROPRIATE ADDITIONAL PREMIUM HAS BEEN PAID

Section 17 ski equipment
What is covered
We will pay You up to £750 for the accidental loss of, theft of or damage to Your own Ski Equipment, or up to £250 for hired Ski Equipment.The amount payable will be the value at today s prices
less a deduction for wear tear and depreciation, (or We may at Our option replace, reinstate or repair the lost or damaged Ski Equipment ).
The maximum We will pay for any one article, pair or set of articles is £250.
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 Ski Equipment contained in or stolen from 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.
3. Loss or damage due to delay, confiscation or detention by customs or other authority.
4. 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.
5. Anything mentioned in the general exclusions on page 8.
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 Ski Equipment .
2. If Ski Equipment 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 Ski Equipment 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.

In addition to Your Luggage cover, We will provide cover for specialist ski equipment belonging to You which You have taken with You on Your trip. We will pay up to the amount shown in the schedule for:-
i) theft of Your equipment.
ii) accidental damage to Your equipment
What is not covered
- any more than £200 for any single article.
- any more than the total amount shown on Your Schedule for any claim.
- any accidental loss.
- any accidental damage whilst Your equipment is in Use.
- the first £40 of every claim.
- wear, tear, depreciation, moth, vermin, mechanical or electrical breakdown, any process of cleaning, restoration or alteration, atmospheric or climatic condition or any gradually operating cause.

Section 18 hire of ski equipment
What is covered
We will pay You up to £30 per day, up to a maximum of
Essential £200
Comprehensive £300
for the reasonable cost of hiring replacement Ski Equipment as a result of the accidental loss of, theft of, damage to or temporary loss in transit for more than 24 hours of Your own Ski Equipment.
What is not covered
1.Loss, theft of or damage to Ski Equipment contained in or stolen from 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.
2. Loss or damage due to delay, confiscation or detention by customs or other authority.
3. 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.
4. Anything mentioned in the general exclusions on page 8.
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 own Ski Equipment.
2. If Ski Equipment 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 Ski Equipment 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 substantiate Your claim.

Section 19 ski pack
What is covered
We will pay You :
a)Up to £500 for the unused portion of Your ski pack (ski school fees, lift passes and hired Ski Equipment ) following Your Bodily Injury or illness.
b)Up to £150 for the unused portion of Your lift pass if lost.
What is not covered
1.Anything mentioned in the general exclusions on page 8.
Special conditions relating to claims
1.You must provide written confirmation from a Medical Practitioner that such Bodily Injury or illness prevented You from using Your ski pack.

Section 19 ski pack
What is covered
We will pay You :
a)Up to £500 for the unused portion of Your ski pack (ski school fees, lift passes and hired Ski Equipment ) following Your Bodily Injury or illness.
b)Up to £150 for the unused portion of Your lift pass if lost.
What is not covered
1.Anything mentioned in the general exclusions on page 8.
Special conditions relating to claims
1.You must provide written confirmation from a Medical Practitioner that such Bodily Injury or illness prevented You from using Your ski pack.

Section 20 piste closure
What is covered
We will pay You up to £30 per day, up to a maximum of
Essential £200
Comprehensive £300
for the cost of transport organised by the tour operator to an alternative site if lack of snow conditions or avalanche results in the closure of skiing facilities (excluding cross-country skiing) in Your resort and it is
not possible to ski. The cover only applies:
a) To the resort which You have pre-booked for a period exceeding 12 hours and for so long as such conditions prevail at the resort, but not exceeding the pre-booked period of Your Trip and
b) To Trips taken outside the United Kingdom during the published ski season for Your resort. If no alternative sites are available We will pay You compensation of £30 per day up to a maximum of
Essential £200
Comprehensive £300
What is not covered
1. Anything mentioned in the general exclusions on page 8.
Special conditions relating to claims
1. You must obtain written confirmation from the tour operator (or their representative)of the number of days skiing facilities were closed in Your resort and the reason for the closure.

Section 20 piste closure
What is covered
We will pay You up to £30 per day, up to a maximum of
Essential £200
Comprehensive £300
for the cost of transport organised by the tour operator to an alternative site if lack of snow conditions or avalanche results in the closure of skiing facilities (excluding cross-country skiing) in Your resort and it is
not possible to ski. The cover only applies:
a) To the resort which You have pre-booked for a period exceeding 12 hours and for so long as such conditions prevail at the resort, but not exceeding the pre-booked period of Your Trip and
b) To Trips taken outside the United Kingdom during the published ski season for Your resort. If no alternative sites are available We will pay You compensation of £30 per day up to a maximum of
Essential £200
Comprehensive £300
What is not covered
1. Anything mentioned in the general exclusions on page 8.
Special conditions relating to claims
1. You must obtain written confirmation from the tour operator (or their representative)of the number of days skiing facilities were closed in Your resort and the reason for the closure.

Section 20 piste closure
What is covered
We will pay You up to £30 per day, up to a maximum of
Essential £200
Comprehensive £300
for the cost of transport organised by the tour operator to an alternative site if lack of snow conditions or avalanche results in the closure of skiing facilities (excluding cross-country skiing) in Your resort and it is
not possible to ski. The cover only applies:
a) To the resort which You have pre-booked for a period exceeding 12 hours and for so long as such conditions prevail at the resort, but not exceeding the pre-booked period of Your Trip and
b) To Trips taken outside the United Kingdom during the published ski season for Your resort. If no alternative sites are available We will pay You compensation of £30 per day up to a maximum of
Essential £200
Comprehensive £300
What is not covered
1. Anything mentioned in the general exclusions on page 8.
Special conditions relating to claims
1. You must obtain written confirmation from the tour operator (or their representative)of the number of days skiing facilities were closed in Your resort and the reason for the closure.

Section 21 avalanche cover
What is covered
We will pay You up to
Essential £200
Comprehensive £300
for reasonable extra travel and accommodation expenses if Your arrival or departure from Your pre-booked ski resort is delayed by more than 12 hours due to an avalanche.
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 costs incurred where the ski resort is less than 1,000 metres above sea level.
3. Anything mentioned in the general exclusions on page 8.
Special conditions relating to claims
1.You must obtain written confirmation from the tour operator or local authority (or their representative) confirming the location, date, time and duration of the avalanche.

Section 18 hire of ski equipment
What is covered
We will pay You up to £30 per day, up to a maximum of
Essential £200
Comprehensive £300
for the reasonable cost of hiring replacement Ski Equipment as a result of the accidental loss of, theft of, damage to or temporary loss in transit for more than 24 hours of Your own Ski Equipment.
What is not covered
1.Loss, theft of or damage to Ski Equipment contained in or stolen from 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.
2. Loss or damage due to delay, confiscation or detention by customs or other authority.
3. 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.
4. Anything mentioned in the general exclusions on page 8.
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 own Ski Equipment.
2. If Ski Equipment 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 Ski Equipment 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 substantiate Your claim.

Section 18 hire of ski equipment
What is covered
We will pay You up to £30 per day, up to a maximum of
Essential £200
Comprehensive £300
for the reasonable cost of hiring replacement Ski Equipment as a result of the accidental loss of, theft of, damage to or temporary loss in transit for more than 24 hours of Your own Ski Equipment.
What is not covered
1.Loss, theft of or damage to Ski Equipment contained in or stolen from 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.
2. Loss or damage due to delay, confiscation or detention by customs or other authority.
3. 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.
4. Anything mentioned in the general exclusions on page 8.
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 own Ski Equipment.
2. If Ski Equipment 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 Ski Equipment 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 substantiate Your claim.

Section 5 baggage
(only operative if indicated in the Statement of Insurance)
COVER IN RESPECT OF GOLF EQUIPMENT IS ONLY INCLUDED IF THE APPROPRIATE PREMIUM HAS BEEN PAID.
What is covered
1. We will pay You up to the amounts shown below for the accidental loss of, theft of or damage to:
a) Baggage (excluding Golf Equipment if cover is included) up to the following amount:
Essential £1,500
Comprehensive £2,000
b) Golf Equipment (if cover is included) £1,000
The amount payable will be the value at today s prices less a deduction for wear tear and depreciation, (or We may at Our option replace, reinstate or repair the lost or damaged Baggage/Golf Equipment ).
The maximum We will pay for the following is:
a) Up to the following amount for any one article, pair or set of articles (not applicable to Golf Equipment if cover is included):
Essential £200
Comprehensive £300
a) Up to the following amount for all Valuables:
Essential £250
Comprehensive £350
2 We will also pay You up to the amounts shown below:
a) up to £300 for the emergency replacement of Golf Equipment (if cover is included) if Golf Equipment is temporarily lost in transit during the outward journey and not returned to You within 12 hours, provided written confirmation is obtained and sent to Us from the carrier, confirming the number of hours the Golf Equipment was delayed. If the loss is permanent the amount paid will be deducted from the final amount to be paid under this section.
b) £25 per day, up to a maximum of £200 for the reasonable cost of hiring replacement Golf Equipment (if cover is included) as a result of the accidental loss of, theft of or damage to or temporary loss in transit for more than 24 hours of Your own Golf Equipment.
For Comprehensive cover only
3. We will also pay You up to £100 for the emergency replacement of clothing, medication and toiletries if the Baggage is temporarily lost in transit during the outward journey and not returned to You within
12 hours, provided written confirmation is obtained and sent to Us from the carrier, confirming the number of hours the Baggage was delayed. If the loss is permanent the amount paid will be deducted from the final amount to be paid under this section.
What is not covered
1. The first £50 of each and every claim per incident claimed for under this section by each Insured Person (except claims under subsection 2.a.2.b.and 3.).
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 /Golf Equipment 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 (not applicable to Golf Equipment if cover is included)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 8.
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/Golf Equipment.
2. If Baggage /Golf Equipment 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/Golf Equipment 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 the following amount:
Essential £2,000
Comprehensive £5,000
for any irrecoverable unused travel and accommodation costs (including excursions up to £250)and other pre-paid charges (including green fees of up to £75 per day, up to a maximum of £300 where the appropriate Golf Equipment premium has been paid)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 when You purchased this insurance or at the time of booking any Trip .
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 or section 11 Catastrophes and natural disasters or section 25 Independent travellers cover for the same event.
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.
b) Circumstances known to You prior to the date this insurance is purchased by You or the time of booking any Trip 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 8.
You should also refer to the Important conditions relating to health on page 7.
Special conditions relating to claims
1.You must obtain a medical certificate from a 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 9 missed departure
What is covered
We will pay You up to the following amount:
Essential £250
Comprehensive £500
for reasonable additional accommodation (room only) and travel expenses necessarily incurred in reaching Your overseas destination or returning to the United Kingdom if You fail to arrive at the international departure point in time to board the Public Transport on which You are booked to travel on the initial international journey of the Trip as a result of:
1. the failure of other Public Transport or
2. an accident to or breakdown of the vehicle in which You are travelling or
3. an accident or breakdown occurring ahead of You on a motorway or dual carriage way which causes an unexpected delay to the vehicle in which You are travelling or
4. strike, industrial action or adverse weather conditions.
You may claim only under section 9 Missed departure or section 8 Delayed departure 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. Claims arising directly or indirectly from:
a) Strike or industrial action existing or declared publicly by the date You purchased this insurance or at the time of booking any Trip.
b) An accident to or breakdown of the vehicle in which You are travelling for which a professional repairers report is not provided.
c) Breakdown of any vehicle in which You are travelling if the vehicle is owned by You and has not been serviced properly and maintained in accordance with manufacturers instructions.
d) Withdrawal from service (temporary or otherwise) of an aircraft or sea vessel on the recommendation of the Civil Aviation Authority or a Port Authority or any similar body in any country.
3. Additional expenses where the scheduled Public Transport operator has offered reasonable alternative travel arrangements.
4. Anything mentioned in the general exclusions on page 8.
Special conditions relating to claims
1. In the event of a claim arising from any delay occurring on a motorway or dual carriage way You must obtain written confirmation from the Police or emergency breakdown services of the location, reason for and duration of the delay.
2. You must allow sufficient time for the Public Transport or other transport to arrive on schedule and to deliver You to the departure point.
Special conditions relating to claims
1. In the event of a claim arising from any delay occurring on a motorway or dual carriage way You must obtain written confirmation from the Police or emergency breakdown services of the location, reason for and duration of the delay.
2. You must allow sufficient time for the Public Transport or other transport to arrive on schedule and to deliver You to the departure point.

Section 7 personal liability
What is covered
We will pay up to the following amount:
Essential £1,000,000
Comprehensive £2,000,000
(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, canoes and where the appropriate Golf Equipment premium has been paid, golf buggies whilst in use on a golf course).
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 8.
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 in-patient 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

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.

A. What to do in a Medical Emergency
- Make sure You have Your Policy number with You, this is recorded on the top of Your Schedule.
- Please have available the name, address and telephone number of the hospital or attending Medical Practitioner.
- Please have available the name and number of anyone You would like Us to contact in the UK.
- Contact Our 24 hour medical helpline, ISIS Assistance on 02087 628 015, and state that You are insured with Endsleigh Insurance.
- For transmission of urgent medical documents please use Fax. No. 02087 487 744.
- Medical claim forms may be completed by You, the Medical Practitioner who has treated You, or the Hospital at which You received treatment. There is a claim form on page 31, and advisory notes for Your Medical Practitioner in four languages on page 28.
This helpline is provided to offer help and advice for Medical Incidents only ?please do not use this for Luggage or minor claims.
ISIS Assistance aim to provide any help necessary with Your medical problem, such as arranging hospital treatment, providing assurance of payment to hospitals and monitoring long term treatment.
B. Hospitalisation or Visiting a Doctor in the USA or Canada
You must contact ISIS Assistance on the following number before visiting a doctor or if You expect to be hospitalised in a medical centre in the USA. If You do not notify them immediately You may lose Your right to reimbursement of the expenses.
ISIS Assistance, 8930 State Road 84, Box 315, Davie, FL33324
Tel. +1 888 422 4747 (toll free within USA and Canada)
Tel. +1 9543708468 (collect call from outside the USA).
Fax. +1 9543708130
Neither We nor ISIS Assistance shall be responsible for the availability, quality, or results of any medical treatment or the failure of the insured to obtain medical treatment. In addition, any expenses incurred by Us or ISIS Assistance, which arise in circumstances not covered by the Policy, shall be recoverable in full from You, and this is a condition on which the Policy Book is issued.
C. On the Spot Payment of Medical Claims Whilst You are Still Abroad
Alternatively, if You need immediate reimbursement for a medical claim You may visit any ISIS branch. There is a branch in most countries world wide and their addresses are printed at the back of this Policy Book. The same conditions for making a claim apply if You claim by this method and You will still pay the first £40 of every claim.
D. Other Claims
- Read the General Conditions and Exclusions on pages 9-11 to make sure You comply with the Policy Book before claiming.
- Ensure that You have obtained everything You need to make a claim from the list entitled 'What We need from You' at the bottom of this page.
- Contact:-
Endsleigh Claims Service
P.O. Box 432
Cheltenham Spa
Gloucestershire
GL50 3YD
Tel. (0870) 241 3070 Fax. (01242) 222 475
E. What We Need from You
We need certain information from You before We can make any claims payments. All claims should be supported by:-
- Receipts, bills, valuations or repair estimates as appropriate for claims for luggage, travel documents, or medical expenses.
- Police Reports in support of claims for theft or loss, incidents must be reported to the police within 24 hours.
- Irregularity reports from carriers where baggage is lost together with flight tickets and baggage tags.
- Repatriation claims will need to be supported by a medical certificate with reasons why repatriation was necessary.
- Curtailment claims must also be supported by documented proof for the reason why the Trip has had to be cut short.
- Booking invoice/receipts, Cancellation invoice and medical certificate in support of Cancellation claims.
- Full details of Accident, injury or illness and early prognosis for personal Accident claims.
- Written confirmation of when and how delay occurred from the carrier/tour operator together with receipts or accounts of expenses incurred where claims are made for Public Transport service interruption.
Although everything possible will be done to deal with a claim without further correspondence, the claims department reserve the right on behalf of the Insurers to request further information or completion of a more appropriate claim form where necessary.

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 (not applicable to section 4 Personal accident).
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 (new business) and for annual policies the renewal date (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. For annual multi trip policies no refund of premium will be given. For all other policies, 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.