Esure Single Trip Travel Insurance

Medical and repatriation expenses
We will pay:
up to a maximum of £10,000,000 in the event of an accident or sickness whilst on the trip, in respect of the following:
1. usual and reasonable medical, hospital and treatment expenses, including the cost of the rescue service to take you to hospital, (including the cost of emergency dental treatment for the relief of pain only up to £500) outside the UK for continuous treatment only, not exceeding 12 months, which will cease when on medical advice you are able to return to the UK;
2. the reasonable costs of funeral expenses abroad or the reasonable cost of conveying the insured persons body or ashes to their home address in the UK;
3. repatriation expenses (including air ambulance or the special use of air transport) to return you to the UK provided it is medically necessary and the arrangements are authorised beforehand and made by the emergency assistance service;
4. reasonable additional travel and accommodation (room only plus £10 per day towards meals) of a relative or friend of yours living in the UK, or on holiday with you, who on medical advice must travel or stay with you or accompany you home. The emergency assistance service must authorise this beforehand.
We must be contacted if your medical expenses are likely to be in excess of £500.
Furthermore if you are admitted to a hospital or clinic abroad as an inpatient, the emergency assistance service must be notified as soon as possible, and within 48 hours of your admission, in order to confirm the conditions of this insurance with the medical providers.
We will not pay for the following:
1. any treatment in the United Kingdom;
2. any medication or drugs which at the start of your trip you know you will need;
3. the cost of any treatment or surgery (including exploratory tests) which are not directly related to the illness or injury for which you went into a hospital or clinic abroad;
4. any form of treatment or cosmetic surgery which, in the opinion of the doctor treating you and the emergency assistance service can reasonably be delayed until you return home;
5. any costs arising from your pregnancy or childbirth if the expected date of delivery is less than 12 weeks after the end of your trip;
6. any extra costs from you arranging a single or private room accommodation at a hospital, clinic or nursing home, except where this is necessary for your treatment and approved by the emergency assistance service beforehand;
7. any loss, damage or provision of false dentures, false limbs, hearing aids, contact or corneal lenses or prescription spectacles;
8. in-patient, hospital, clinic or repatriation expenses which have not been reported to and authorised by the the emergency assistance service;
9. if you are travelling against the advice of a doctor or for the purpose of having medical treatment on the trip;
10. any costs arising from a pre-existing medical condition falling under the Medical Warranty (unless terms were agreed in writing by us and any additional premium requested by us was paid before starting your trip);
11. any policy excess relating to this section shown in your Schedule;
12. see General Exclusions.

Personal accident
We will pay:
the following benefits if during the trip you suffer bodily injury caused by an accident:
1. death by accident £30,000;
2. permanent loss of one or more limbs by physical separation at or above the wrist or ankle, or the total and permanent loss of all sight in one or both eyes £30,000;
3. Permanent total disablement £30,000.
All benefits will be limited to £2,500 for insured persons under the age of 16 years and over the age of 64 years at the time of the accident. The maximum amount of all benefits we will pay under this Section for one or more accidents sustained by you shall not exceed £30,000.
In respect of UK and Channel Islands residents on business trips within the UK and Channel Islands, insurance under this Section only applies when you are travelling as a fare-paying passenger on public transport.
Note: in the event of your death the benefit will be paid to your estate or next-of-kin.
We will not pay:
any benefit in respect of 1, 2 or 3 that does not occur within 12 months of the accident.
We will not pay for the following:
1. any costs arising from a medical condition falling under the Medical Warranty (unless terms were agreed in writing by us and any additional premium required by us was paid, before starting your trip);
2. see General Exclusions.

Hospital benefit
We will pay:
£25 for every complete 24 hours you spend in a hospital abroad as an inpatient as a result of you becoming ill or being injured during the trip (up to a maximum of £1,500).
We will not pay for the following:
Any days spent in hospital:
1. in the United Kingdom;
2. for any treatment or surgery (including exploratory tests) which are not directly related to the illness or injury for which you went into a hospital or clinic abroad;
3. for any form of treatment or cosmetic surgery which, in the opinion of the doctor treating you and the emergency assistance service can reasonably be delayed until you return home;
4. arising from your pregnancy or childbirth if the expected date of delivery is less than 12 weeks after the end of your trip;
5. for inpatient, hospital or clinic expenses which have not been reported to and authorised by the emergency assistance service;
6. if you are travelling against the advice of a doctor or for the purpose of having medical treatment on the trip;
7. arising from an existing medical condition falling under the Medical Warranty (unless terms were agreed in writing by us and any additional premium requested by us was paid before starting your trip);
8. see General Exclusions.

Medical and repatriation expenses
We will pay:
up to a maximum of £10,000,000 in the event of an accident or sickness whilst on the trip, in respect of the following:
1. usual and reasonable medical, hospital and treatment expenses, including the cost of the rescue service to take you to hospital, (including the cost of emergency dental treatment for the relief of pain only up to £500) outside the UK for continuous treatment only, not exceeding 12 months, which will cease when on medical advice you are able to return to the UK;

Medical and repatriation expenses
We will pay:
up to a maximum of £10,000,000 in the event of an accident or sickness whilst on the trip, in respect of the following:
2. the reasonable costs of funeral expenses abroad or the reasonable cost of conveying the insured persons body or ashes to their home address in the UK;

Medical and repatriation expenses
We will pay:
up to a maximum of £10,000,000 in the event of an accident or sickness whilst on the trip, in respect of the following:
2. the reasonable costs of funeral expenses abroad or the reasonable cost of conveying the insured persons body or ashes to their home address in the UK;

Personal money
(Unless you have opted to remove this section of cover)
We will pay:
up to a maximum of £500 for the loss or theft of your personal money during your trip dependent on you observing the following:
1. taking reasonable care in protecting your money and documents against loss, theft or damage;
2. notifying the Police within 24 hours of discovery and obtaining a written report and reference number from them and enclosing this with your claim form.
We will not pay for the following:
1. loss or theft of money that is not on your person or not deposited in a safe or safety deposit box, or similar locked fixed receptacle in your trip accommodation;
2. for any depreciation in value, currency changes or shortage caused by any error or omission;
3. for money packed in suitcases or other similar baggage, or in containers which are out of your sight and personal control;
4. for loss or damage arising from confiscation or detention by Customs or other officials;
5. more than £300 (£50 in respect of children aged 15 years and under) for cash;
6. any policy excess relating to this section shown in your Schedule;
7. see General Exclusions.

Legal advice and expenses
We will pay you:
up to £50,000 for reasonable and necessary legal costs you or your legal personal representative(s) have to pay in order to claim compensation or damages for your personal injury or death caused by the negligence of a third party during the period of insurance.
We will give you confidential legal advice over the phone on any personal legal problem, under the laws of the member countries of the European Union, the Isle of Man, the Channel Islands, Norway and
Switzerland.
We agree to provide the insurance in this section, as long as:
1. the date of occurrence of the incident happens during the period of insurance and within the geographical limit; and
2. any legal proceedings will be dealt with by the court or other body which we agree to in the geographical limit; and
3. for civil claims it is always more likely than not that you will recover damages (or other legal remedy which we have agreed to) or make a successful defence.
- for all insured incidents, we will help in appealing or defending an appeal as long as you tell us within the time limits that they want us to appeal.
Before we pay the costs and expenses for appeals, we must agree that it is always more likely than not that the appeal will be successful.
- if an appointed representative is used, we will pay the costs and expenses incurred for this.
- the most we will pay for all claims resulting from one or more event arising at the same time or from the same cause is £50,000. We will negotiate for your legal rights after an event which causes the death of,
or bodily injury to you.
We will not pay for any claim relating to the following:
- any illness or bodily injury which develops gradually or is not caused by a specific or sudden accident;
- defending your legal rights, but defending a counter-claim is covered;
- the driving of a motor vehicle by you for which you do not have valid motor insurance;
- against us, or our agents;
- any costs and expenses incurred before our written acceptance of the claim;
- written or verbal remarks which damage your reputation;
- disagreement with us that is not dealt with under No. 7 of the General Conditions applying to Section 15 Legal advice and expenses;
- an application for Judicial Review;
- any legal action which you take which we or the appointed representative have not agreed to;
- where you do anything that hinders us or the appointed representative;
- any costs and expenses that are incurred under a contingency fee arrangement.
General conditions applying to Section 15 Legal advice and expenses
1. You must:
a. take reasonable steps to keep any amount we have to pay as low as possible
b. try to prevent anything happening that may cause a claim
c. send everything we ask for in writing
d. give us full details of any claim as soon as possible and give us any information we need.
2. a. We can take over and conduct, in your name any claim or legal proceedings at any time. We can negotiate any claim on your behalf.
b. If we agree to start legal proceedings and it becomes mandatory for you to be represented by a lawyer, or if there is a conflict of interest, you can choose an appointed representative by sending us the suitably qualified persons name and address. We may choose not to accept the choice of representative, but only in exceptional circumstances. If there is a disagreement over the choice of appointed representative another suitably qualified person can be appointed to decide the matter (see Condition 7).
c. Before you choose a lawyer, we can appoint an appointed representative.
d. An appointed representative will be appointed by us and represent you according to our standard terms of appointment. The appointed representative must cooperate with us at all times.
e. We will have direct contact with the appointed representative.
f. You must co-operate fully with us and the appointed representative and must keep us up to date with the progress of the claim.
g. You must give the appointed representative any instructions that we require.
3. a. You must tell us if anyone offers to settle the claim.
b. If you do not accept a reasonable offer to settle the claim, we may refuse to pay further costs and expenses.
c. You must not negotiate or agree to settle a claim without our approval.
d. We may decide to pay you the amount of damages that you are claiming or is being claimed against you, instead of starting or continuing legal proceedings.
4. a. You must tell the appointed representative to have costs and expenses taxed, assessed or audited, if we ask for this.
b. You must take every step to recover costs and expenses that we have to pay and must pay us any costs and expenses that are recovered.
5. If an appointed representative refuses to continue acting for you or if you dismiss an appointed representative the cover we provide will end at once, unless we agree to appoint another appointed representative.
6. If you settle a claim or withdraw your claim without our agreement, or do not give suitable instructions to an appointed representative, the cover we provide will end at once and we will be entitled to reclaim any costs and expenses paid by us.
7. If we and you disagree about the choice of appointed representative or about the handling of a claim, we and you can choose another suitably qualified person to decide the matter. We must both agree to the choice of this person in writing.
Failing this, we will ask the president of a relevant national law society to choose a suitably qualified person. All costs of resolving this disagreement must be paid by the party whose choice is rejected.
8. We may, at our discretion, require you to obtain at your expense, an opinion from a barrister chosen by you and us, as to the merits of a claim or proceedings. If the barristers opinion indicates that there are reasonable grounds for the pursuit or defence of a claim or proceedings, the cost of obtaining the opinion will be paid by us.
9. We will not pay any claim covered under any other policy, or any claim that would have been covered by another policy if this policy did not exist.
10. This policy is governed by English Law.
11. All Acts of Parliament mentioned in the policy include equivalent laws in Scotland, Northern Ireland, the Isle of Man and the Channel Islands as the case may be.

Loss of passport or documents
We will pay:
up to a maximum of £500 for reasonable travel and accommodation expenses in obtaining replacement passports, travel tickets, green cards, driving licences, and business documents and records, but only up to the cost of replacing and/or restoring the missing documents or records which are lost or stolen whilst on the trip.
We will not pay for the following:
1. loss or theft of items that are not kept on your person or not deposited in a safe or safety deposit box, or similar locked fixed receptacle in your trip accommodation;
2. any depreciation in value or shortage caused by any error or omission;
3. items packed in suitcases or other similar baggage, or in containers which are out of your sight and personal control;
4. loss of passport not reported to the Police and the Consular Representative of the relevant issuing country within 24 hours of discovery;
5. for loss or damage arising from confiscation or detention by Customs or other officials;
6. any policy excess relating to this section shown in your Schedule;
7. see General Exclusions.

Loss of passport or documents
We will pay:
up to a maximum of £500 for reasonable travel and accommodation expenses in obtaining replacement passports, travel tickets, green cards, driving licences, and business documents and records, but only up to the cost of replacing and/or restoring the missing documents or records which are lost or stolen whilst on the trip.
We will not pay for the following:
1. loss or theft of items that are not kept on your person or not deposited in a safe or safety deposit box, or similar locked fixed receptacle in your trip accommodation;
2. any depreciation in value or shortage caused by any error or omission;
3. items packed in suitcases or other similar baggage, or in containers which are out of your sight and personal control;
4. loss of passport not reported to the Police and the Consular Representative of the relevant issuing country within 24 hours of discovery;
5. for loss or damage arising from confiscation or detention by Customs or other officials;
6. any policy excess relating to this section shown in your Schedule;
7. see General Exclusions.

Mugging
We will pay:
£50 (up to a maximum of £1,000) for each 24 hour period lost during your trip if you are hospitalised as a result of a mugging attack.
Note:
1. any payment made is dependent on you reporting the incident to the Police at the earliest opportunity and receiving a written report from them;
2. you cannot claim under both Section 4 (Hospital benefit) and this Section.
We will not pay for the following:
1. see General Exclusions.

Cover is provided if You are skiing, snowboarding or participating in any snow or ice activities including off-piste skiing (providing You are accompanied by a qualified ski instructor who holds the appropriate liability insurance and that there are no avalanche warnings current). Cover is not provided for ski-racing, ski-jumping, ski-flying, ski-acrobatics and stunting, heli-skiing, ice hockey or the use of skeleton or bobsleighs.

Ski equipment
We will pay:
up to £500 in respect of loss, theft or damage of skis, snowboard and ski equipment occurring during your trip.
We will not pay for the following:
1. more than £500 for any one article, pair or set of articles;
2. more than £100 in total for hired ski equipment;
3. loss of or damage to ski equipment arising from delay or confiscation or detention by Customs or other officials;
4. loss, or theft of or damage to ski equipment more than 4 years old;
5. loss of or damage to your ski equipment caused by normal wear and tear, gradual deterioration or mechanical or electrical breakdown, decay, moths, vermin or atmospheric or climatic conditions;
6. loss of or damage to ski equipment whilst in the custody of an airline or other carrier unless you report it immediately on discovery to the carrier and get a written report from them. In the case of an airline
you will need a Property Irregularity Report (PIR);
7. loss or theft of your ski equipment that you do not report to the Police within 24 hours of discovery and where you do not get a written report from them;
8. ski equipment left unattended in public places (e.g. station, airport, restaurant etc);
9. any loss, or theft of ski equipment from unattended motor cycles or motor vehicles (other than locked vehicles where there is evidence of forcible entry or exit and provided the items were not visible from the vehicle exterior or were secured within a purpose built and locked container fastened to the exterior of the vehicle, and verified by a Police report);
10. any ski equipment left in the custody of a person who does not have an official responsibility for the safekeeping of the property;
11. any policy excess relating to this section shown in your Schedule;
12. see General Exclusions.

Ski equipment
We will pay:
up to £500 in respect of loss, theft or damage of skis, snowboard and ski equipment occurring during your trip.
We will not pay for the following:
1. more than £500 for any one article, pair or set of articles;
2. more than £100 in total for hired ski equipment;
3. loss of or damage to ski equipment arising from delay or confiscation or detention by Customs or other officials;
4. loss, or theft of or damage to ski equipment more than 4 years old;
5. loss of or damage to your ski equipment caused by normal wear and tear, gradual deterioration or mechanical or electrical breakdown, decay, moths, vermin or atmospheric or climatic conditions;
6. loss of or damage to ski equipment whilst in the custody of an airline or other carrier unless you report it immediately on discovery to the carrier and get a written report from them. In the case of an airline
you will need a Property Irregularity Report (PIR);
7. loss or theft of your ski equipment that you do not report to the Police within 24 hours of discovery and where you do not get a written report from them;
8. ski equipment left unattended in public places (e.g. station, airport, restaurant etc);
9. any loss, or theft of ski equipment from unattended motor cycles or motor vehicles (other than locked vehicles where there is evidence of forcible entry or exit and provided the items were not visible from the vehicle exterior or were secured within a purpose built and locked container fastened to the exterior of the vehicle, and verified by a Police report);
10. any ski equipment left in the custody of a person who does not have an official responsibility for the safekeeping of the property;
11. any policy excess relating to this section shown in your Schedule;
12. see General Exclusions

Ski equipment
We will pay:
up to £500 in respect of loss, theft or damage of skis, snowboard and ski equipment occurring during your trip.
We will not pay for the following:
1. more than £500 for any one article, pair or set of articles;
2. more than £100 in total for hired ski equipment;
3. loss of or damage to ski equipment arising from delay or confiscation or detention by Customs or other officials;
4. loss, or theft of or damage to ski equipment more than 4 years old;
5. loss of or damage to your ski equipment caused by normal wear and tear, gradual deterioration or mechanical or electrical breakdown, decay, moths, vermin or atmospheric or climatic conditions;
6. loss of or damage to ski equipment whilst in the custody of an airline or other carrier unless you report it immediately on discovery to the carrier and get a written report from them. In the case of an airline
you will need a Property Irregularity Report (PIR);
7. loss or theft of your ski equipment that you do not report to the Police within 24 hours of discovery and where you do not get a written report from them;
8. ski equipment left unattended in public places (e.g. station, airport, restaurant etc);
9. any loss, or theft of ski equipment from unattended motor cycles or motor vehicles (other than locked vehicles where there is evidence of forcible entry or exit and provided the items were not visible from the vehicle exterior or were secured within a purpose built and locked container fastened to the exterior of the vehicle, and verified by a Police report);
10. any ski equipment left in the custody of a person who does not have an official responsibility for the safekeeping of the property;
11. any policy excess relating to this section shown in your Schedule;
12. see General Exclusions.

Ski pack
We will pay:
up to £100 for each 7 day period (up to a maximum of £300) for the proportionate value of any unused ski pass, ski hire or tuition fee due to the following:
1. your accident or sickness;
2. loss or theft of your ski pass.
We will not pay for the following:
1. loss or theft of your ski pass which is not reported to the appropriate Police authority within 24 hours of discovery and an official report obtained;
2. loss or theft of your ski pass which is not reported to any appropriate authority (specifically for claims arising against carriers and hotels), within 24 hours of discovery and for which an official report is obtained;
3. ski pass left unattended in public places (e.g. station, airport, restaurant etc);
4. ski pass left in the custody of a person who does not have an official responsibility for the safekeeping of the property;
5. sickness resulting from a medical condition falling under the Medical Warranty (unless terms were agreed in writing by us and any additional premium required by us was paid, before starting your trip);
6. any policy excess relating to this section shown in your Schedule;
7. see General Exclusions.

Ski pack
We will pay:
up to £100 for each 7 day period (up to a maximum of £300) for the proportionate value of any unused ski pass, ski hire or tuition fee due to the following:
1. your accident or sickness;
2. loss or theft of your ski pass.
We will not pay for the following:
1. loss or theft of your ski pass which is not reported to the appropriate Police authority within 24 hours of discovery and an official report obtained;
2. loss or theft of your ski pass which is not reported to any appropriate authority (specifically for claims arising against carriers and hotels), within 24 hours of discovery and for which an official report is obtained;
3. ski pass left unattended in public places (e.g. station, airport, restaurant etc);
4. ski pass left in the custody of a person who does not have an official responsibility for the safekeeping of the property;
5. sickness resulting from a medical condition falling under the Medical Warranty (unless terms were agreed in writing by us and any additional premium required by us was paid, before starting your trip);
6. any policy excess relating to this section shown in your Schedule;
7. see General Exclusions.

Piste closure
We will pay:
£30 for each 24 hour period (up to a maximum of £250) if you are not allowed to ski for a continuous period in excess of 12 hours due to complete closure of all pistes as a result of lack of snowfall, excessive snowfall or bad weather in a prebooked winter sports resort. Alternatively, we will pay:
an amount of £25 for each 24 hour period (up to a maximum of £250) for you to travel to an alternative site. This Section is only valid for the period December to March inclusive.
We will not pay for the following:
1. claims which are not substantiated by a report from the resort management;
2. piste closure which was in existence prior to your arrival in your pre-booked ski resort;
3. see General Exclusions.

Piste closure
We will pay:
£30 for each 24 hour period (up to a maximum of £250) if you are not allowed to ski for a continuous period in excess of 12 hours due to complete closure of all pistes as a result of lack of snowfall, excessive snowfall or bad weather in a prebooked winter sports resort. Alternatively, we will pay:
an amount of £25 for each 24 hour period (up to a maximum of £250) for you to travel to an alternative site. This Section is only valid for the period December to March inclusive.
We will not pay for the following:
1. claims which are not substantiated by a report from the resort management;
2. piste closure which was in existence prior to your arrival in your pre-booked ski resort;
3. see General Exclusions.

Piste closure
We will pay:
£30 for each 24 hour period (up to a maximum of £250) if you are not allowed to ski for a continuous period in excess of 12 hours due to complete closure of all pistes as a result of lack of snowfall, excessive snowfall or bad weather in a prebooked winter sports resort. Alternatively, we will pay:
an amount of £25 for each 24 hour period (up to a maximum of £250) for you to travel to an alternative site. This Section is only valid for the period December to March inclusive.
We will not pay for the following:
1. claims which are not substantiated by a report from the resort management;
2. piste closure which was in existence prior to your arrival in your pre-booked ski resort;
3. see General Exclusions.

Avalanche closure
We will pay:
up to £250 for additional reasonable travel and accommodation expenses in the event that your outward or return journey is delayed for at least 12 hours beyond the scheduled departure time as a direct result of an avalanche in your pre-booked ski resort.
We will not pay for the following:
1. incidents which are not substantiated by a report from the resort management;
2. see General Exclusions.
Note: you cannot claim under Sections 10 (Missed departure), 11 (Travel delay) or 14 (Catastrophe) for the same delay/disruption as covered by this Section.

Ski hire
We will pay:
up to £20 for each 24 hour period (up to a maximum of £300) in respect of reasonable costs incurred by you for the necessary hire of skis following:
1. loss or breakage of your skis;
2. the misdirection or delay in transit of your skis for more than 12 hours.
We will not pay for the following:
1. loss of, or theft of skis which is not reported to the appropriate Police authority within 24 hours of discovery and verified by a Police report.
2. loss of, theft of or damage to skis which is not reported to any appropriate authority (specifically for claims arising against carriers and hotels), within 24 hours of discovery and for which an official report is obtained;
3. loss of, theft of or damage to skis shipped as freight or under a bill of lading;
4. skis left unattended in public places (e.g. station, airport, restaurant etc);
5. skis left in the custody of a person who does not have an official responsibility for the safekeeping of the property;
6. any loss, or theft of skis from an unattended motor vehicle unless the skis were secured within a purpose built and locked container fastened to the exterior of the vehicle and the loss is verified by a Police report;
7. any policy excess relating to this section shown in your Schedule;
8. see General Exclusions.

Ski hire
We will pay:
up to £20 for each 24 hour period (up to a maximum of £300) in respect of reasonable costs incurred by you for the necessary hire of skis following:
1. loss or breakage of your skis;
2. the misdirection or delay in transit of your skis for more than 12 hours.
We will not pay for the following:
1. loss of, or theft of skis which is not reported to the appropriate Police authority within 24 hours of discovery and verified by a Police report.
2. loss of, theft of or damage to skis which is not reported to any appropriate authority (specifically for claims arising against carriers and hotels), within 24 hours of discovery and for which an official report is obtained;
3. loss of, theft of or damage to skis shipped as freight or under a bill of lading;
4. skis left unattended in public places (e.g. station, airport, restaurant etc);
5. skis left in the custody of a person who does not have an official responsibility for the safekeeping of the property;
6. any loss, or theft of skis from an unattended motor vehicle unless the skis were secured within a purpose built and locked container fastened to the exterior of the vehicle and the loss is verified by a Police report;
7. any policy excess relating to this section shown in your Schedule;
8. see General Exclusions.

Cover is provided if You are skiing, snowboarding or participating in any snow or ice activities including off-piste skiing (providing You are accompanied by a qualified ski instructor who holds the appropriate liability insurance and that there are no avalanche warnings current). Cover is not provided for ski-racing, ski-jumping, ski-flying, ski-acrobatics and stunting, heli-skiing, ice hockey or the use of skeleton or bobsleighs.

Baggage and personal belongings
(Unless you have opted to remove this section of cover)
We will pay:
up to a maximum of £1,500 (after making reasonable allowance for wear, tear and depreciation) for accidental loss, or theft of or damage to baggage owned by you. In the event of a claim you must provide us with any original receipts, proofs of purchase or insurance valuations (obtained prior to loss, theft or damage) which we request.
We will not pay for the following:
1. more than £500 for any one article, pair or set of articles;
2. more than £500 in total in respect of valuables;
3. ski equipment (this is covered under the winter sports Section, if the appropriate premium is paid);
4. loss, or theft of or damage to fragile articles, contact or corneal lenses, spectacles, sunglasses, bicycles and Business goods or samples; (Business goods and samples are covered under the business documents and samples and the Business equipment Section, if the appropriate premium is paid);
5. loss, or theft of or damage to sports equipment whilst in use;
6. loss or damage whilst in the custody of an airline or other carrier unless you report it immediately on discovery to the carrier and get a written report from them.
In the case of an airline you will need a Property Irregularity Report (PIR);
7. loss or theft of your baggage that you do not report to the Police within 24 hours of discovery and where you do not get a written report from them;
8. loss or damage to your baggage caused by normal wear and tear, gradual deterioration or mechanical or electrical breakdown, decay, moths, vermin or atmospheric or climatic conditions;
9. baggage left out of your sight and personal control in public places (e.g. station, airport, restaurant, beach, etc);
10. any loss, or theft of baggage from unattended motor cycles or motor vehicles (other than locked vehicles where there is evidence of forcible entry or exit and provided the items were not visible from the vehicle exterior, and where the forcible entry or exit is verified by a Police report);
11. any loss of valuables packed in a suitcase, or similar container (other than normal hand-baggage) unless they are at all times attended by you, or left in hotel security, safety deposit box, safe or similar
locked fixed receptacle;
12. any loss, or theft of valuables from an unattended vehicle unless between the hours of 09:00 and 21:00 and locked in the boot, covered luggage area or locked glove compartment and following physical
evidence of forcible entry and reported to the appropriate Police authority and where a report was obtained from them;
13. loss of or damage to valuables (other than wedding rings) while you are swimming;
14. any items left in the custody of a person who does not have official responsibility for the safekeeping of the property;
15. any policy excess relating to this section shown in your Schedule;
16. see General Exclusions.

Delayed baggage
(Unless you have opted to remove this section of cover)
We will pay:
up to a maximum of £200 to cover the purchase of essential items if you are temporarily deprived of your baggage due to misdirection in delivery on your outward journey for over 12 hours from the time you arrived at your trip destination abroad.
You must keep all receipts for these items and send them with your claim form.
Any amount paid will be deducted from the final claim settlement under Section 6 (Baggage and personal belongings) if the items are permanently lost.
We will not pay for the following:
1. loss or damage whilst in the custody of an airline or other carrier unless you report it immediately on discovery to the carrier and get a written report;
2. in the case of an airline you will need a Property Irregularity Report (PIR);
3. see General Exclusions.

Cancellation
(Unless you have opted to remove this section of cover)
We will pay:
your proportion of the costs up to a maximum of £5,000 which you have paid or agreed to pay and which you cannot recover from any other source following:
1. your necessary and unavoidable cancellation of the trip which happens after the start date of cover shown on the Schedule, due to:
a. the death, injury or illness of you, your relative or close business colleague or of any person with whom you had arranged to travel, or a friend or relative who lives abroad with whom you had arranged to stay;
b. your attendance at a court of law as a witness or for Jury Service where postponement of the Jury Service has been denied by the Clerk of the Courts Office;
c. your redundancy or that of your travelling companion or your cohabiting partner or spouse;
d. your compulsory quarantine, or Government restriction following an epidemic which prevents you from travelling;
e. your home becoming uninhabitable following serious fire, storm or flood within 14 days before your scheduled departure date.
2. your cancellation of the trip as a result of a Travel delay (Section 11) where the delay is in excess of 12 hours from the first international departure time specified in your official itinerary.
Note: cover under this Section only applies to those persons named on the Schedule. Any reimbursement will be no greater per person than the pre-paid costs of the highest adult charge.
Any payment we make to you is dependent on you observing the following:
1. seeking an opinion on the advisability of making the trip from your registered doctor if you have an existing medical condition, taking into account your chosen trip destination, the climatic conditions, the stability of your condition, the effect of any additional drugs or vaccines necessary and the standard of the medical services available;
2. notifying the travel agent, tour operator or provider of transport or accommodation immediately you know you will be cancelling the trip. We will only pay the cancellation charges that would have applied at the time you knew it was necessary to cancel your trip.
We will not pay for the following:
1. if travel is against the advice or knowledge of your doctor;
2. if you failed to contact and obtain written authorisation from us, and pay any additional premium required by us before starting your trip, having disclosed any material fact or medical condition;
3. any claim which is due to:
a. your failure to obtain the required passport or visa;
b. Your failure to obtain any recommended or required vaccines, inoculations or medications prior to you trip;
c. you travelling for the purpose of obtaining medical treatment or in the knowledge that you are likely to need medical treatment;
d. the operation of law;
e. the failure in provision of any service connected with your trip including error, omission, financial failure, or default of, or by the provider of, any service, travel agent, tour operator/organiser through whom you booked the trip;
f. death or illness of any pets or animals;
g. your decision not to travel, or personal financial circumstances (other than you being made redundant after the start date of cover shown on the Policy Schedule);
h. any loss in respect of Air Passenger Duty (this can be reclaimed by you through your travel agent or airline);
i. the death, injury or serious illness of any person if their specific medical condition was known on the date you booked your trip and is the reason for your cancellation of the trip;
j. your late arrival at the airport or port after check-in or booking-in time (except for a late arrival covered under Section 10 Missed departure);
k. any unlawful or criminal proceedings of anyone on whom the trip plans depend, other than attendance as a witness at a Court of Law;
l. any circumstances, including but not limited to strike or industrial action, known to you or publicly declared prior to the date the Policy Schedule is issued or the time of booking the trip (whichever is the earlier) which could reasonably have been expected to give rise to a claim.
4. any policy excess relating to this section shown in your Schedule;
5. see General Exclusions.
Curtailment
We will pay:
up to the maximum amount shown in your Schedule if you unavoidably cut short your trip by returning to the UK, or if you unavoidably cut short your trip that is within the UK by returning home due to the following reasons.
The cover provides a refund which is a percentage of the unused part of the pre-paid trip costs (but excluding the last day of travel);
1. the death, injury, or serious illness of yourself or the person with whom you are travelling;
2. the death, injury, or serious illness of your relative or close business colleague who is resident in the UK;
3. your attendance at a court of law as a witness or for Jury Service where postponement of the Jury Service has been denied by the Clerk of the Courts Office;
4. you being called back by the Police after your home or usual place of business in the UK has suffered from burglary, serious fire, storm or flood.
We will also pay:
for reasonable additional travel and accommodation expenses you incur in returning to the UK which on medical advice are necessary and unavoidable as a result of 1 and 2 above.
Any payment we make to you is dependent on you observing the following:
1. seeking an opinion on the advisability of making the trip from your registered doctor if you have an existing medical condition, taking into account your chosen trip destination, the climatic conditions, the stability of your condition, the effect of any additional drugs or vaccines necessary and the standard of the medical services available;
2. contacting the emergency assistance service prior to you leaving the trip destination for your return to the UK;
3. if you are cutting short your journey for medical reasons, you must get a doctors certificate to confirm your need to return home to the UK, then contact the emergency assistance service to authorise your claim;
4. not travelling specifically to receive medical treatment during your trip or in the knowledge that you are likely to need medical treatment;
5. obtaining any recommended vaccines, inoculations or medications prior to your trip;
6. having a pre-paid return ticket to the UK at the start of your trip unless otherwise agreed.
We will not pay for the following:
1. any costs arising from your pregnancy or childbirth if the expected date of delivery is less than 12 weeks after the end of your trip;
2. your loss of enjoyment of the trip however caused;
3. any unused portion of your original ticket where repatriation has been made;
4. if you travelled against the advice or knowledge of your doctor;
5. if you failed to contact and obtain written authorisation from us and pay any additional premium required by us before starting your trip, having disclosed any material fact or pre existing medical condition as required under the Medical Warranty;
6. any costs relating to the death, injury or serious illness of your relative or close business colleague resident in the UK where the condition giving rise to the claim is known to you at the date you book your trip;
7. your disinclination to travel, or if curtailment is requested because of psychiatric disorders, depression, anxiety, stress, phobias or personal financial circumstances;
8. death or illness of any pets or animals;
9. any costs or event caused by your failure to get approval from us prior to your departure which confirms the necessity to return home;
10. any policy excess relating to this section shown in your Schedule;
11. see General Exclusions.

Missed departure
We will pay:
up to a maximum of £800 for reasonable additional accommodation (room only) and travel expenses should you arrive at your last departure point from the UK or last departure point for your return trip to the UK (according to published timetables) too late to board your booked flight or sailing if:
1. scheduled public transport services fail to get you there in time due to strike, industrial action, adverse weather conditions or mechanical breakdown;
2. the private motor vehicle in which you are travelling to your last departure point in the UK suffers a mechanical breakdown/failure or is directly involved in a road traffic accident which results in mechanical breakdown/failure or bodily injury.
In respect of UK and Channel Islands business trips cover only applies to prebooked flights or sea passages within the UK and Channel Islands in connection with your business.
Note: Cover in respect of 2. above only applies to vehicles under 7 years old. Any motoring accidents must be reported to the Police if there is a personal injury and any accident or breakdown not resulting in personal injury must be reported to a recognised motoring rescue organisation and a report obtained from them. Any repair costs to the vehicle are not covered by this insurance.
We will not pay for the following:
1. your failure to allow sufficient time for the public transport to arrive on schedule and deliver you to your departure point;
2. strike, industrial action, delays or disruptions arising from weather conditions which had started or were publicly declared on the date the Schedule is issued or you booked the trip (whichever is later);
3. any claim arising from your private motor vehicle in which you are travelling not having been properly serviced and maintained, in the event of vehicle breakdown;
4. any policy excess relating to this section shown in your Schedule;
5. see General Exclusions.

Travel delay
We will pay:
up to £30 after the first full 12 hours delay, and £20 for each full 12 hours delay thereafter (up to a maximum of £250), if the international transport service (which forms part of your prebooked itinerary) is delayed due to circumstances beyond your control at your last international departure point from or to the UK, or the delay occurs during a pre-booked connecting flight or sea journey taking you to your trip destination.
If after 12 hours delay to your outbound journey you choose to abandon your trip we will pay your cancellation costs under the cancellation section of this policy.
In respect of UK and Channel Islands business trips cover only applies to prebooked flights or sea passages within the UK and Channel Islands in connection with your business.
Note: For residents of the Channel Islands, Northern Ireland and Isle of Man, cover will also be provided for a flight or sea vessel journey interconnecting with the last flight or sea vessel journey from the international departure point from or to a mainland United Kingdom or other European terminal.
We will not pay for the following:
1. any claim which is as a result of your failure to check-in at the departure airport or port by the time shown on your travel itinerary;
2. any compensation unless you have obtained written confirmation from the airline or shipping company or their handling agents which shows the reason for the delay, the scheduled departure time and the actual departure time of your flight or sailing;
3. any compensation where the airline or shipping company or their handling agents provide alternative transport which departs within 12 hours of the booked departure time;
4. any delay which is due to strike or industrial action, delays or disruptions arising from weather conditions which had started or were publicly declared on the date the Schedule is issued or you booked the trip (whichever is the later);
5. any claim where you decide to cancel the journey and we pay a claim under section 1 of this policy;
6. see General Exclusions.

Travel delay
We will pay:
up to £30 after the first full 12 hours delay, and £20 for each full 12 hours delay thereafter (up to a maximum of £250), if the international transport service (which forms part of your prebooked itinerary) is delayed due to circumstances beyond your control at your last international departure point from or to the UK, or the delay occurs during a pre-booked connecting flight or sea journey taking you to your trip destination.
If after 12 hours delay to your outbound journey you choose to abandon your trip we will pay your cancellation costs under the cancellation section of this policy.
In respect of UK and Channel Islands business trips cover only applies to prebooked flights or sea passages within the UK and Channel Islands in connection with your business.
Note: For residents of the Channel Islands, Northern Ireland and Isle of Man, cover will also be provided for a flight or sea vessel journey interconnecting with the last flight or sea vessel journey from the international departure point from or to a mainland United Kingdom or other European terminal.
We will not pay for the following:
1. any claim which is as a result of your failure to check-in at the departure airport or port by the time shown on your travel itinerary;
2. any compensation unless you have obtained written confirmation from the airline or shipping company or their handling agents which shows the reason for the delay, the scheduled departure time and the actual departure time of your flight or sailing;
3. any compensation where the airline or shipping company or their handling agents provide alternative transport which departs within 12 hours of the booked departure time;
4. any delay which is due to strike or industrial action, delays or disruptions arising from weather conditions which had started or were publicly declared on the date the Schedule is issued or you booked the trip (whichever is the later);
5. any claim where you decide to cancel the journey and we pay a claim under section 1 of this policy;
6. see General Exclusions.

Personal liability
We will pay:
up to a maximum of £2,000,000 plus costs of defence of a claim agreed between us in writing for any event occurring during the trip which you are legally liable to pay that relate to an incident caused by you and which results in:
1. injury, illness, death or disease to another person;
2. loss of or damage to property which does not belong to you or any member of your family and is neither in your charge nor under your control or that of any member of your family.
In respect of UK and Channel Islands residents on business trips within the UK and Channel Islands, this Section only applies when you are travelling as a farepaying passenger on public transport.
We will not pay:
for claims, arising directly or indirectly, for any liability for loss of or damage to property, or injury, illness or disease:
1. where an indemnity is provided under any other insurance;
2. which is suffered by anyone who is under a contract of service with you or any member of your family and is caused by the work you employ them to do;
3. which is caused by any deliberate, unlawful, malicious or wilful act or omission by you;
4. which is caused by your employment, profession or business or that of any member of your family;
5. which is caused by your ownership, care, custody or control of any animal;
6. which falls on you by agreement and would not have done if such agreement did not exist;
7. which is as a result of any criminal proceedings;
8. which is due to your ownership, possession or use of vehicles, aircraft, watercraft, firearms or explosive devices;
9. which is caused by your ownership or occupation of land or buildings (other than occupation only of any temporary residence, excepting time-share);
10. which is caused by you having HIV (Human Immunodeficiency Virus) and/or any HIV related illnesses including AIDS (Acquired Immune Deficiency Syndrome) and/or any mutant derivatives or variations thereof however caused;
11. any policy excess relating to this section shown in your Schedule;
12. see General Exclusions.

Catastrophe
We will pay:
up to a maximum of £500 for reasonable travel and accommodation expenses to enable you to continue your trip or, if you cannot continue with the trip, to return you to the UK, if you are forced to move from your pre-booked and pre-paid accommodation as a result of fire, lightning, earthquake, storm, tempest, hurricane, flood, medical epidemic or local Government directive (which is confirmed in writing by local or national
authorities).
Note: Payments under this Section of the policy for travel expenses for return to the UK are dependent on you contacting us prior to your departure for your home.
We will not pay for the following:
1. costs or expenses payable by or recoverable from your tour operator, airline, hotel or other provider of accommodation or transport;
2. you deciding not to remain in your booked accommodation although it is considered safe and acceptable to continue living there by the appropriate authorities;
3. any policy excess relating to this section shown in your Schedule;
4. see General Exclusions.

In an emergency, please check first that the circumstances are covered by Your Policy. Having done this, You should contact the appropriate number shown, giving Your name, policy number and as much information as possible.
Travel Insurance Assistance Centre 24 HOUR HELPLINE +44 (0) 1273 765 367
Please remember to quote Your name and Policy Number.
If You are admitted to a hospital or clinic as an in-patient, this 24 HOUR HELPLINE MUST BE NOTIFIED AS SOON AS POSSIBLE, AND WITHIN 48 HOURS, OF YOUR ADMISSION in order to confirm the conditions of cover.
Please ask the treating Doctor or Physician to CONTACT THIS 24 HOUR HELPLINE IMMEDIATELY YOU ARE ADMITTED in order that such confirmation may be given and direct payment of medical bills arranged.

If You are taking part in any sport or activity not listed in this section, please contact the esure travel insurance centre on 0845 600 3950 to see if You can be covered. You may be required to pay an additional premium, or We may refuse to offer cover for Your activity.

General exclusions which apply to all sections
This insurance will not pay for any deterioration of or loss or damage to property, or any legal liability, injury, illness, death or expense, directly or indirectly due to, contributed to or caused by:
1. a medical condition which has not and would not have been accepted by us under the Medical Warranty, or where any additional premium was required by us and you did not pay this before your trip departure date;
2. you, or any other person who is not travelling but upon whose state of health a decision by you to cancel or curtail a trip may depend, having received a terminal prognosis, unless in respect of Section 1(Cancellation) the terminal prognosis was received after the date of booking the trip;
3. terrorist action (except under Section 3 - Medical and repatriation expenses and Section 5 - Personal accident), war, invasion, act of foreign enemy, hostilities (whether or not war has been declared), civil war,
rebellion, military or usurped power, riot or civil commotion or revolution or similar event), or if you have deliberately put yourself in danger. This exclusion does not apply for claims made under Section 3 - Medical
emergency and repatriation expenses;
4. your failure to disclose a material fact;
5. any travel undertaken against Foreign Office advice or where the Foreign Office has deemed it unsafe for you to travel;
6 ionising radiations or contamination by radioactivity from any nuclear fuel or any nuclear waste from the combustion of nuclear fuel, or the radioactive toxic explosive or other hazardous properties of any explosive nuclear machinery or parts;
7. pressure waves caused by aircraft and other aerial devices travelling at sonic or supersonic speeds;
8. confiscation or destruction of property by any Customs, Government or other Authority of any country;
9. any hazardous sports;
10. wilfully self-inflicted injury or illness or solvent abuse;
11. you being under the influence of alcohol or drugs (except those prescribed by your registered doctor, but not when prescribed for the treatment of drug addiction);
12. your failure to obtain any required vaccines/inoculations or medications prior to your trip departure;
13. your suicide or attempted suicide or putting yourself at risk unless you are attempting to save a human life;
14. any dishonest, malicious or criminal act committed by you or any person with whom you are in collusion, or insurance arranged in circumstances where a claim might reasonably be anticipated;
15. your choosing to extend your trip beyond the permitted duration;
16. claims, other than under Section 3 (Medical and repatriation expenses), Section 4 (Hospital benefit) and Section 5 (Personal accident) which arise from, or are in any way connected (whether directly or indirectly) with, or exacerbated by, any actual or anticipated failure of any computer or electronic device, or component or system or embedded programming or software (whether or not belonging to or in the possession of the insured person);
17. psychiatric disorders, depression, anxiety, stress or phobias;
18. participation in winter sports unless the appropriate premium has been paid and is shown on your Schedule.

General exclusions which apply to all sections
This insurance will not pay for any deterioration of or loss or damage to property, or any legal liability, injury, illness, death or expense, directly or indirectly due to, contributed to or caused by:
3. terrorist action (except under Section 3 - Medical and repatriation expenses and Section 5 - Personal accident), war, invasion, act of foreign enemy, hostilities (whether or not war has been declared), civil war,
rebellion, military or usurped power, riot or civil commotion or revolution or similar event), or if you have deliberately put yourself in danger. This exclusion does not apply for claims made under Section 3 - Medical
emergency and repatriation expenses;

General exclusions which apply to all sections
This insurance will not pay for any deterioration of or loss or damage to property, or any legal liability, injury, illness, death or expense, directly or indirectly due to, contributed to or caused by:
3. terrorist action (except under Section 3 - Medical and repatriation expenses and Section 5 - Personal accident), war, invasion, act of foreign enemy, hostilities (whether or not war has been declared), civil war,
rebellion, military or usurped power, riot or civil commotion or revolution or similar event), or if you have deliberately put yourself in danger. This exclusion does not apply for claims made under Section 3 - Medical
emergency and repatriation expenses;

This insurance will not pay for any deterioration of or loss or damage to property, or any legal liability, injury, illness, death or expense, directly or indirectly due to, contributed to or caused by claims, other than under Section 3 (Medical and Repatriation Expenses), Section 4 (Hospital Benefit) and Section 5 (Personal Accident) which arise from, or are in any way connected (whether directly or indirectly) with, or exacerbated by, any actual or anticipated failure of any computer or electronic device, or component or system or embedded programming or software (whether or not belonging to or in the possession of the Insured Person).

General conditions which apply to all sections
You are advised to take this Policy Booklet and your Schedule with you on your trip. You will be required to provide these documents as evidence of Insurance if you need the service of a hospital or other assistance provider. You will also need to be able to quote your policy number when you contact us.
At all times we will act in good faith in our dealings with you. The payment of all claims following events that occur in the period of insurance is dependent on you observing the following:
1. taking all possible care to safeguard against accident, injury, loss or damage and to act as if you had no insurance cover;
2. giving us full details in writing of any incident which may result in a claim under this insurance within 31 days;
3. passing on to us every writ, summons, legal process or other communication in connection with the claim;
4. providing all necessary information and assistance that we may require at your expense (including where necessary medical certification and details of your household insurance);
5. not admitting liability for any event, or offering to make any payment, without our prior written consent;
6. accepting that no alterations and/or additions to the printed terms and conditions of your insurance will be valid unless agreed by us;
7. living in the UK and having been a resident of the UK for a continuous period of at least 6 months prior to the date of issue of the Schedule and being registered with a UK General Practitioner;
8. starting each trip from your home or place of business in the UK and returning to your home or place of business in the UK at the end of each trip, within the permitted trip duration, unless otherwise agreed by
us.
And you recognising our rights:
1. to make your insurance void where any claim is found to be fraudulent;
2. to share information with other insurers to prevent fraudulent claims via a register of claims. A list of participants is available on request. Any information you supply on a claim, together with information you
have supplied on any application form and other information relating to a claim, may be provided to the register participants.
3. to take over and act in your name the defence or settlement of any claim made under this insurance;
4. to take proceedings in your name but at our expense to recover for our benefit the amount of any payment made under this insurance;
5. to obtain information from your medical records (with your permission) for the purpose of dealing with any medical claims. No personal information will be disclosed to any outside person or organisation without
your prior approval;
6. not to pay you more than the amounts shown in your Schedule;
7. only to pay a proportionate amount of any claim where there is another insurance policy in force covering the same risk and to require details of such other insurance or proof of ownership.

POLICY EXCESS/EXCESSES: means the first amount of each and every claim, for each separate incident, for each Insured Person, which is not covered under certain Sections of the Policy.