Go Single Trip winter sports

Section B - medical expenses
If you become ill or are injured during the trip, the insurer will pay up to the amount shown in the Schedule of Benefits for:
(i) Medical and treatment expenses
- medical, surgical and hospital expenses incurred outside the UK
- emergency dental treatment for the immediate relief of pain up to £200
(ii) Funeral and Repatriation expenses
If you die during the trip or one-way trip, the insurer will pay for the following:
- the funeral expenses in the country where your death occurs up to £3,000, or
- the cost of returning your body or ashes home to the UK
(iii) Travel and accommodation expenses
- reasonable additional travel and room only accommodation expenses incurred by you and one person travelling with you, as a result of you receiving medical advice from a registered doctor in attendance and the insurers medical advisors, that your originally planned return journey home to the UK, is impossible due to medical reasons. The most the insurer will pay for accommodation costs is £1,000 per person.
The insurer will not pay for the following in addition to the general exclusions, in connection with claims made under Section B:
- the excess as shown in the Schedule of Benefits
- any costs or expenses, if you have not advised the Medical Emergency Assistance service and received their agreement to these costs, in the event of you:
a) dying, or
b) incurring medical or treatment expenses above £300, or
c) being involved in an accident, or
d) being admitted to hospital, or
e) curtailing your trip due to medical reasons
f ) missing your flight due to medical reasons
- any medical costs or expenses, if you are in Australia and you have not enrolled with Medicare
- the costs of telephone calls or taxi fares unless approved by the Medical Emergency Assistance service.
- claims arising directly or indirectly as a result of your pre-existing medical condition
- any medical, hospital or treatment expenses in the UK
- any medical or treatment expenses, funeral or repatriation expenses incurred as a result of participating in a Category 2 - 4 hazardous sport or leisure activity, Wintersports or Ocean Cruising, unless you have paid the additional premium prior to travel and cover is confirmed on your certificate
- any medical, hospital, treatment, funeral or repatriation expenses if you:
a) have received a terminal prognosis by a registered doctor before taking out this policy, or
b) are travelling for the purpose of obtaining medical treatment, or
c) are travelling against the advice of a medical practitioner, or
d) are on a hospital waiting list, or
e) are awaiting the results of medical investigations
- any medical, hospital or treatment expenses, which in the opinion of the insurers medical advisors, are not essential or can be reasonably delayed until your return home to the UK
- any costs arising from you arranging a single or private accommodation room in a hospital, clinic or nursing home
- claims arising directly or indirectly from pregnancy, if:
a) you were pregnant when you took out this policy or
b) you were pregnant when you booked this trip under your annual multi-trip policy, or
c) you were not pregnant when you took out this policy and the claim is as a result of complications after the twenty eighth week, or
d) you were not pregnant when you booked this trip under your annual multi-trip policy and the claim is as a result of complications after the twenty eighth week, or
e) you have had complications in any previous pregnancy
- dental treatment which is not for the purpose of relieving immediate pain or suffering
- any medical, hospital or treatment expenses, which have not been authorised at the time by a recognised registered medical practitioner
- any medical, hospital or treatment expenses, which you have incurred after:
a) you have refused the offer of repatriation when, in the opinion of the doctor in attendance and the insurers medical advisors, you are fit to travel
b) the insurer has repatriated you to your final destination, rather than the UK, during your one-way trip
- any physiotherapy or associated treatment costs, if they are not part of an on-going treatment programme for a serious injury, which in the opinion of the insurers medical advisors, cannot be reasonably delayed until your return home
- non continuous treatment
- any up-grades from economy class travel, unless the insurers medical advisors specify this necessary on medical grounds.
- any costs or expenses if you do not have a pre-paid return ticket to the UK at the start of your trip
- any medication or drugs which you know you will need at the start of the trip
- 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 hospital or clinic abroad
- loss, or damage to false dentures, false limbs, hearing aids, contact or corneal lenses or prescription spectacles
- any repatriation expenses to the UK, if you are travelling on a one way trip and your final destination is nearer.

Section H - personal accident
The insurer will pay you or your estate a lump sum, as shown in the Schedule of Benefit , if you suffer bodily injury as a result of an accident during your trip which causes:
- your death, or
- permanent loss of one or more limbs by physical separation at or above the wrist or ankle, or
- permanent loss of all sight in one or both eyes, or
- permanent and total disablement from carrying out any occupation.
The insurer will not pay for the following in addition to the general exclusions, in connection with claims made under Section H:
- any benefit where your death, injury or loss does not occur within 180 days of the accident
- any benefit as a result of participating in a hazardous sport or leisure activity, unless you have paid the additional premium prior to travel and cover is confirmed on your certificate cate
- any benefit if you cannot prove to the insurer that the permanent total disablement has continued for 12 months from the date of the injury and in all probability will continue for the remainder of your life
- more than one lump sum under this section.
- the contracting of any disease, illness and/or medical condition.
- the injection or ingestion of any substance.
- any event which directly or indirectly exacerbates a previously existing physical bodily harm.

Section C1 - hospital benefits
(not available under the Backpacker policy)
The insurer will pay you the amount shown in the Schedule of Benefits, for every complete 24 hours you spend in a hospital abroad as an in-patient during your trip, as a direct result of you suffering accidental injury or illness which is covered under Section B of this policy.
The insurer will not pay for the following in addition to the general exclusions, in connection with claims made under Section C1, if you:
- are an in-patient at a hospital or clinic in the UK
- are not receiving continuous treatment
- are an in-patient at a hospital or clinic, which has not been authorised and arranged by the Medical Emergency Assistance service.

Section B - medical expenses
If you become ill or are injured during the trip, the insurer will pay up to the amount shown in the Schedule of Benefits for:
(i) Medical and treatment expenses
- medical, surgical and hospital expenses incurred outside the UK
- emergency dental treatment for the relief of pain up to £200

Section B - medical expenses
If you become ill or are injured during the trip, the insurer will pay up to the amount shown in the Schedule of Benefits for:
(i) Medical and treatment expenses
- medical, surgical and hospital expenses incurred outside the UK
- emergency dental treatment for the relief of pain up to £200
(ii) Funeral and Repatriation expenses
If you die during the trip or one-way trip, the insurer will pay for the following:
- the funeral expenses in the country where your death occurs up to £3,000, or
- the cost of returning your body or ashes home to the UK

Section B - medical expenses
If you become ill or are injured during the trip, the insurer will pay up to the amount shown in the Schedule of Benefits for:
(i) Medical and treatment expenses
- medical, surgical and hospital expenses incurred outside the UK
- emergency dental treatment for the relief of pain up to £200
(ii) Funeral and Repatriation expenses
If you die during the trip or one-way trip, the insurer will pay for the following:
- the funeral expenses in the country where your death occurs up to £3,000, or
- the cost of returning your body or ashes home to the UK

Section E - personal money
The insurer will pay for the loss, theft of your money and travellers cheques during your trip, whilst being carried on your person or left in a safe or safety deposit box in your trip accommodation, up to the amount shown in the Schedule of Benefits.
The insurer will not pay for the following in addition to the general exclusions, in connection with claims made under Section E
- the excess as shown in the Schedule of Benefits on your certificate
- any loss or theft of money if you have not notified the police within 24 hours of its discovery and obtained a written report, which includes the crime reference number.
- loss or theft of travellers cheques, if the issuer provides a replacement service
- depreciation in value, currency changes or shortage caused by any error or omission
- loss or damage arising from delay, seizure, confiscation or detention by Customs or other

Section J - legal expenses
The Insurer will reimburse you up to the amount as shown in the Schedule of Benefits, for legal costs incurred by you in pursuit of legal proceedings against third parties (excluding any member of your or your travelling companions family, your travelling companion, business partner or employer) for any compensation owed to you arising directly from physical bodily injury to you or your death during the period of insurance. Please contact the Legal Helpline on 07976 265211.
The insurer will not pay for the following in addition to the general exclusions, in connection with claims made under Section J:
- the excess as shown in the Schedule of Cover;
- claims arising for any legal expenses incurred without prior authorisation by the Insurer;
- claims arising where the Insurer considers your prospects of success in achieving a reasonable benefit to be insufficient;
- claims arising pursuant to a contingent fee agreement between you and your counsel lawyer;
- claims arising for travel and accommodation expenses over £1,000, whilst in pursuit of a legal action;
- claims arising from your pursuing legal proceedings as part of and/or on behalf of a group or organisation.
- claims incurred for any legal costs pursuant to a legal action against the Insurer, the claims handler, the assistance company, the placing broker or the insurance company.
- claims occurring under criminal law.
- claims occurring or where the case is brought to court in more than one country.
- any claim for legal costs where You are pursuing legal action relating directly or indirectly to medical negligence or alleged medical negligence
- any claim for legal costs where you are pursuing legal action relating directly or indirectly to medical negligence or alleged medical negligence
SPECIAL CONDITIONS:
The insured must comply with the following procedures:
(a) the insured shall apply to the insurer for a written acknowledgement by the insurer of the existence of a potentially viable claim.
(b) if an acknowledgement in (a) is granted, the insurer shall initially pay up to 5% of the amount shown in the schedule of cover for legal costs incurred by the insured to determine
the probability of success in achieving a reasonable benefit t. This shall include an assessment of the legal liability of the potential defendant and the ability to collect damages from the potential defendant.
(c) the insurer shall not be responsible for any legal expenses incurred prior to its issuing the insured with a written acknowledgement of the existence of a potentially viable claim.
(d) in the event that the insured is awarded compensation (by judgment or settlement), the insurer shall be entitled to recover from the insured or on behalf of the insured any sum paid to the insured under any section of this policy on account of the same incident for which compensation is received.

Section D - Personal effects, travel documents and delayed baggage
(a) Personal effects and baggage
The insurer will pay for accidental loss, theft of or damage to your personal effects, up to the amount shown in the Schedule of Benefits.
(b) Travel Documents
The insurer will pay for any reasonable expenses you incur, whilst obtaining replacement passports, green cards, visas, accommodation vouchers and petrol coupons or travel tickets which have been lost or stolen during the trip, up to the amount shown in the Schedule of Benefits.

Section C3 - mugging benefit
(not available under the Backpacker policy)
The insurer will pay you up to the Amount shown in the Schedule of Benefits, if you receive inpatient Hospital treatment, which is covered under Section B, as a direct result of a mugging (which means: a violent, threatening attack by a third party causing actual bodily harm)

Section K- ski equipment
The insurer will pay, up to the amount shown in the Schedule of Benefits, for accidental loss, theft of or damage to ski equipment, which is owned or hired by you. If you own the ski equipment, the insurer will take off the following amounts for wear and tear:
Age of ski equipment Deduction
Up to 1 year old 10% of purchase price
1 to 2 years old 30% of purchase price
2 to 3 years old 50% of purchase price
3 to 4 years old 70% of purchase price
4 to 5 years old 80% of purchase price
The insurer will not pay for the following in addition to the general exclusions, in connection with claims made under Section K:
- the excess as shown in the Schedule of Benefits
- claims for ski equipment which is owned by you, if it is over five years old
- more than your liability for the loss or damage to any hired ski equipment
- any claim for loss or theft of ski equipment if you have not notified the police within 24 hours of its discovery and obtained a written report, which includes the crime reference number
- any claim, if the loss or theft occurs during a journey or whilst in the custody of an airline or other carrier, and you have not notified the carrier or their handling agent of the incident and obtained an official report or a Property Irregularity Report (PIR)
- more than £50 per single item, up to a maximum of £200 in total for any one claim, if you are unable to provide the original receipt, proof of purchase or an insurance valuation which was obtained prior to the loss
- claims arising from delay, detention, seizure or confiscation by Customs or other officials
- claims for loss, theft or damage to anything being shipped as freight or under a Bill of Lading
- damage to, or loss or theft of ski equipment, if it has been left:
- unattended by you in a public place other than in respect of ski equipment left in an area designated for their storage between the hours of 8am and 5pm where no secure facilities exist; or
- left in an unattended motor vehicle; or
- in the custody of a person who does not have an official responsibility for the safekeeping of the property

Section K- ski equipment
The insurer will pay, up to the amount shown in the Schedule of Benefits, for accidental loss, theft of or damage to ski equipment, which is owned or hired by you. If you own the ski equipment, the insurer will take off the following amounts for wear and tear:
Age of ski equipment Deduction
Up to 1 year old 10% of purchase price
1 to 2 years old 30% of purchase price
2 to 3 years old 50% of purchase price
3 to 4 years old 70% of purchase price
4 to 5 years old 80% of purchase price
The insurer will not pay for the following in addition to the general exclusions, in connection with claims made under Section K:
- the excess as shown in the Schedule of Benefits
- claims for ski equipment which is owned by you, if it is over five years old
- more than your liability for the loss or damage to any hired ski equipment
- any claim for loss or theft of ski equipment if you have not notified the police within 24 hours of its discovery and obtained a written report, which includes the crime reference number
- any claim, if the loss or theft occurs during a journey or whilst in the custody of an airline or other carrier, and you have not notified the carrier or their handling agent of the incident and obtained an official report or a Property Irregularity Report (PIR)
- more than £50 per single item, up to a maximum of £200 in total for any one claim, if you are unable to provide the original receipt, proof of purchase or an insurance valuation which was obtained prior to the loss
- claims arising from delay, detention, seizure or confiscation by Customs or other officials
- claims for loss, theft or damage to anything being shipped as freight or under a Bill of Lading
- damage to, or loss or theft of ski equipment, if it has been left:
- unattended by you in a public place other than in respect of ski equipment left in an area designated for their storage between the hours of 8am and 5pm where no secure facilities exist; or
- left in an unattended motor vehicle; or
- in the custody of a person who does not have an official responsibility for the safekeeping of the property

Section K- ski equipment
The insurer will pay, up to the amount shown in the Schedule of Benefits, for accidental loss, theft of or damage to ski equipment, which is owned or hired by you. If you own the ski equipment, the insurer will take off the following amounts for wear and tear:
Age of ski equipment Deduction
Up to 1 year old 10% of purchase price
1 to 2 years old 30% of purchase price
2 to 3 years old 50% of purchase price
3 to 4 years old 70% of purchase price
4 to 5 years old 80% of purchase price
The insurer will not pay for the following in addition to the general exclusions, in connection with claims made under Section K:
- the excess as shown in the Schedule of Benefits
- claims for ski equipment which is owned by you, if it is over five years old
- more than your liability for the loss or damage to any hired ski equipment
- any claim for loss or theft of ski equipment if you have not notified the police within 24 hours of its discovery and obtained a written report, which includes the crime reference number
- any claim, if the loss or theft occurs during a journey or whilst in the custody of an airline or other carrier, and you have not notified the carrier or their handling agent of the incident and obtained an official report or a Property Irregularity Report (PIR)
- more than £50 per single item, up to a maximum of £200 in total for any one claim, if you are unable to provide the original receipt, proof of purchase or an insurance valuation which was obtained prior to the loss
- claims arising from delay, detention, seizure or confiscation by Customs or other officials
- claims for loss, theft or damage to anything being shipped as freight or under a Bill of Lading
- damage to, or loss or theft of ski equipment, if it has been left:
- unattended by you in a public place other than in respect of ski equipment left in an area designated for their storage between the hours of 8am and 5pm where no secure facilities exist; or
- left in an unattended motor vehicle; or
- in the custody of a person who does not have an official responsibility for the safekeeping of the property

Section M - ski pack
If you are unable to use your ski pass, tuition or ski hire due to:
- being involved in an accident; or
- your sickness; or
- the loss or theft of your ski pass the underwriter will pay you, up to the amount shown in the Schedule of Benefits, for the proportionate value of any unused ski
pass, ski hire or tuition fee.
The insurer will not pay for the following in addition to the general exclusions, in connection with claims made under Section N:
- any claim, if the loss or theft of your ski pass is not notified to the police within 24 hours of its discovery and you have obtained a written report, which includes the crime reference number.
- any claim, if the loss or theft occurs during a journey or whilst in the custody of an airline or other carrier, and you have not notified the carrier or their handling agent of the incident and obtained an official report or a Property Irregularity Report (PIR)
- loss or theft of your ski pass, if it was left:
- unattended in a public place; or
- in an unattended motor vehicle; or
- in the custody of a person who does not have an official responsibility for the safekeeping of the property
- claims arising directly or indirectly as a result of your pre-existing medical condition
- claims arising from a medical condition which is not substantiated by a report from the treating doctor confirming your inability to ski.

Section N - piste closure
The insurer will pay a benefit, as shown in the Schedule of Benefit , if you are unable to ski for a continuous period of in excess of 12 hours, due to a lack of snowfall or adverse weather conditions during the months of November to March inclusive for travel within the Northern Hemisphere and May to October for travel within the Southern Hemisphere, at your pre-booked wintersports resort.
The insurer will not pay for the following in addition to the general exclusions, in connection with claims made under Section N:
- any benefit, if you are not skiing in a pre-booked wintersports resort which is 1,000m above sea level
- any benefit, if you are unable to provide a report from the resort management substantiating your claim
- any benefit, if an alternative resort is available
- any benefit, if the piste closure was in existence prior to your arrival in your pre-booked wintersports resort

Section N - piste closure
The insurer will pay a benefit, as shown in the Schedule of Benefit , if you are unable to ski for a continuous period of in excess of 12 hours, due to a lack of snowfall or adverse weather conditions during the months of November to March inclusive for travel within the Northern Hemisphere and May to October for travel within the Southern Hemisphere, at your pre-booked wintersports resort.
The insurer will not pay for the following in addition to the general exclusions, in connection with claims made under Section N:
- any benefit, if you are not skiing in a pre-booked wintersports resort which is 1,000m above sea level
- any benefit, if you are unable to provide a report from the resort management substantiating your claim
- any benefit, if an alternative resort is available
- any benefit, if the piste closure was in existence prior to your arrival in your pre-booked wintersports resort

Section O - delay due to avalanche
If your outward or return journey is delayed by at least 12 hours beyond the scheduled departure time as a direct result of an avalanche in your pre-booked wintersports resort, the insurer will pay you an amount, as shown in the Schedule of Benefits, for additional travel and accommodation expenses.
The insurer will not pay for the following in addition to the general exclusions, in connection with claims made under Section O:
- the excess as shown in the Schedule of Benefits
- any claim, if you are unable to provide a report from the resort management substantiating your claim
- any additional compensation under Sections A2, F1 or G of this policy

Section L - ski equipment hire
If your own ski equipment is:
- lost, stolen or damaged; or
- misdirected or delayed in transit by more than 12 hours
the insurer will pay for the cost of hiring you the necessary ski equipment for each 24 hour period you are without your own ski equipment, up to the amount shown in the Schedule of Benefits.
The insurer will not pay for the following in addition to the general exclusions, in connection with claims made under Section L:
- any claim for loss or theft of your own ski equipment if you have not notified the police within 24 hours of its discovery and obtained a written report, which includes the crime reference number.
- any claim, if the loss or theft of your own ski equipment occurs during a journey or whilst in the custody of an airline or other carrier, and you have not notified the carrier or their handling agent of the incident and obtained an official report or a Property Irregularity Report (PIR)
- claims arising from your own ski equipment being delayed, detained, seized or confiscated by Customs or other officials cials
- claims for loss or theft of, or damage to your own ski equipment, whilst being shipped as freight or under a Bill of Lading
- damage to, or loss or theft of your own ski equipment, if it has been left:
a) unattended by you in a public place other than in respect of ski equipment left in an area designated for their storage between the hours of 8am and 5pm where no secure facilities exist; or
b) in an unattended motor vehicle; or
c) in the custody of a person who does not have an officials responsibility for the safekeeping of the property

Section L - ski equipment hire
If your own ski equipment is:
- lost, stolen or damaged; or
- misdirected or delayed in transit by more than 12 hours
the insurer will pay for the cost of hiring you the necessary ski equipment for each 24 hour period you are without your own ski equipment, up to the amount shown in the Schedule of Benefits.
The insurer will not pay for the following in addition to the general exclusions, in connection with claims made under Section L:
- any claim for loss or theft of your own ski equipment if you have not notified the police within 24 hours of its discovery and obtained a written report, which includes the crime reference number.
- any claim, if the loss or theft of your own ski equipment occurs during a journey or whilst in the custody of an airline or other carrier, and you have not notified the carrier or their handling agent of the incident and obtained an official report or a Property Irregularity Report (PIR)
- claims arising from your own ski equipment being delayed, detained, seized or confiscated by Customs or other officials cials
- claims for loss or theft of, or damage to your own ski equipment, whilst being shipped as freight or under a Bill of Lading
- damage to, or loss or theft of your own ski equipment, if it has been left:
a) unattended by you in a public place other than in respect of ski equipment left in an area designated for their storage between the hours of 8am and 5pm where no secure facilities exist; or
b) in an unattended motor vehicle; or
c) in the custody of a person who does not have an officials responsibility for the safekeeping of the property

Section D - personal effects, travel documents and delayed baggage
(a) Personal effects and baggage
The insurer will pay for accidental loss, theft of or damage to your personal effects, subject to provision of a written authoritative report confirming the loss, theft or damage, up to the amount shown in the Schedule of Benefits. The insurer will take off the following amounts for wear and tear:
Age of item Deduction
Up to 1 year old 15% of purchase price
1 to 2 years old 30% of purchase price
2 to 3 years old 50% of purchase price
3 to 4 years old 70% of purchase price
4 to 5 years old 80% of purchase price
(b) Travel Documents
The insurer will pay for any reasonable expenses you incur, whilst obtaining replacement passports, green cards, visas, accommodation vouchers and petrol coupons or travel tickets which have been lost or stolen during the trip, up to the amount shown in the Schedule of Benefits.
(c) Baggage delay
The insurer will pay for the purchase of emergency replacement clothing, medication and toiletries, up to the amount shown in the Schedule of Benefits, if your personal effects are delayed or lost in transit on your outward journey for more than 24 hours.
The insurer will not pay for the following in addition to the general exclusions, in connection with claims made under Section D
- the excess as shown in the Schedule of Benefits on your certificate
- claims for theft of your personal effects and baggage if you have not notified the police within 24 hours of its discovery and obtained a written report, which includes the crime reference number
- claims arising from theft occurring in your hotel room or apartment unless forcible and/or violent entry into or from your hotel room or apartment has occurred
- more than £50 per single item, up to a maximum of £200 in total for any one claim, if you are unable to provide the original receipt, proof of purchase or an insurance valuation which was obtained prior to the loss
- any claim if the loss, damage or theft occurs during a journey or whilst in the custody of an airline or other carrier, and you have not notified the carrier or their handling agent of the incident and obtained an official report or a Property Irregularity Report (PIR)
- wear, tear, or depreciation
- loss, theft or damage arising from the delay, detention, seizure or confiscation scation by Customs or other officials
- damage caused by the leakage of powder or liquid carried within your personal effects or baggage.
- any breakage of fragile articles, unless the breakage is caused by fire or an accident involving the vehicle in which you are being carried claims arising for loss, theft or damage to:
- prams or buggies, wheelchairs, pedal cycles, motor vehicles, marine equipment, diving equipment, watercraft, surfboards, sailboards, or their related accessories, sports equipment.
damage to, or loss or theft of your personal effects or baggage, if they have been left:
- unattended, in a public place
- in the custody of a person who does not have an official responsibility for the safekeeping of the property
- in an unattended motor vehicle, unless they have been taken from a locked boot between 8am-8pm local time and there is evidence of forced entry, which is confirmed by a police report
- loss or damage to sports equipment, whilst in use
- loss, theft or damage to:
a) anything being shipped as freight or under a Bill of Lading; or
b) dentures, bridgework, artificial limbs or hearing aids of any kind; or
c) items being carried on a vehicle roof rack
- loss, theft or damage to valuables, which at the time of such loss, theft or damage were located in checked-in luggage or an unattended motor vehicle
- valuables stolen at any time whilst in transit unless you are carrying them as hand luggage
- any claim for baggage delay if you cannot supply receipts for the emergency replacement clothing, medication and toiletries purchased and written confiscation from the carrier as to the length of delay

Section D - personal effects, travel documents and delayed baggage
(a) Personal effects and baggage
The insurer will pay for accidental loss, theft of or damage to your personal effects, subject to provision of a written authoritative report confirming the loss, theft or damage, up to the amount shown in the Schedule of Benefits. The insurer will take off the following amounts for wear and tear:
Age of item Deduction
Up to 1 year old 15% of purchase price
1 to 2 years old 30% of purchase price
2 to 3 years old 50% of purchase price
3 to 4 years old 70% of purchase price
4 to 5 years old 80% of purchase price
(b) Travel Documents
The insurer will pay for any reasonable expenses you incur, whilst obtaining replacement passports, green cards, visas, accommodation vouchers and petrol coupons or travel tickets which have been lost or stolen during the trip, up to the amount shown in the Schedule of Benefits.
(c) Baggage delay
The insurer will pay for the purchase of emergency replacement clothing, medication and toiletries, up to the amount shown in the Schedule of Benefits, if your personal effects are delayed or lost in transit on your outward journey for more than 24 hours.
The insurer will not pay for the following in addition to the general exclusions, in connection with claims made under Section D
- the excess as shown in the Schedule of Benefits on your certificate
- claims for theft of your personal effects and baggage if you have not notified the police within 24 hours of its discovery and obtained a written report, which includes the crime reference number
- claims arising from theft occurring in your hotel room or apartment unless forcible and/or violent entry into or from your hotel room or apartment has occurred
- more than £50 per single item, up to a maximum of £200 in total for any one claim, if you are unable to provide the original receipt, proof of purchase or an insurance valuation which was obtained prior to the loss
- any claim if the loss, damage or theft occurs during a journey or whilst in the custody of an airline or other carrier, and you have not notified the carrier or their handling agent of the incident and obtained an official report or a Property Irregularity Report (PIR)
- wear, tear, or depreciation
- loss, theft or damage arising from the delay, detention, seizure or confiscation scation by Customs or other officials
- damage caused by the leakage of powder or liquid carried within your personal effects or baggage.
- any breakage of fragile articles, unless the breakage is caused by fire or an accident involving the vehicle in which you are being carried claims arising for loss, theft or damage to:
- prams or buggies, wheelchairs, pedal cycles, motor vehicles, marine equipment, diving equipment, watercraft, surfboards, sailboards, or their related accessories, sports equipment.
damage to, or loss or theft of your personal effects or baggage, if they have been left:
- unattended, in a public place
- in the custody of a person who does not have an official responsibility for the safekeeping of the property
- in an unattended motor vehicle, unless they have been taken from a locked boot between 8am-8pm local time and there is evidence of forced entry, which is confirmed by a police report
- loss or damage to sports equipment, whilst in use
- loss, theft or damage to:
a) anything being shipped as freight or under a Bill of Lading; or
b) dentures, bridgework, artificial limbs or hearing aids of any kind; or
c) items being carried on a vehicle roof rack
- loss, theft or damage to valuables, which at the time of such loss, theft or damage were located in checked-in luggage or an unattended motor vehicle
- valuables stolen at any time whilst in transit unless you are carrying them as hand luggage
- any claim for baggage delay if you cannot supply receipts for the emergency replacement clothing, medication and toiletries purchased and written confiscation from the carrier as to the length of delay

Section A1 - cancellation and curtailment
The insurer will pay, up to the amount shown in the Schedule of Benefits, for your proportion of the cancellation costs or curtailment costs which you have paid or agreed to pay and which you cannot recover from any source, if:
1) it is necessary and unavoidable to cancel or cut short your trip as a result of:
(a) death, serious injury or illness during the period of insurance of:
- you, or
- a person you are travelling with, or
- a relative, or
- a close business associate who lives in the United Kingdom, or
- a friend or relative who lives abroad with whom you were staying.
(b) You or the person you are travelling with:
- being required in the United Kingdom for jury service, as a witness in a Court of Law, or
- being under compulsory quarantine, or
- being required to be present by the police, as a result of your home or their home or usual place of business in the United Kingdom suffering a burglary within seven days before the start of your trip
- suffering accidental damage to your home or to your travelling companions home that renders the home uninhabitable within seven days before the start of your trip
- being made redundant
- being pregnant and you or the person you are travelling with, are expected to give birth within twelve weeks of the booked start date or return date of your trip
- suffering any medical complications arising from pregnancy or childbirth prior to the 28th week
- being posted overseas or receiving emergency requirements of duty in the Armed Forces, Police, Fire, Nursing or Ambulance Services.
If you have paid the additional premium to include hazardous sport and leisure activities, we will also pay you a percentage of any unused pre-paid trip costs, if you have to cut short your trip by returning to your home in the UK, following serious injury whilst participating in the hazardous sport or leisure activity. In addition, if you have booked a self drive holiday and it is necessary to cancel your trip as a result of your vehicle being involved in an accident within seven days before to your intended trip duration, we will pay for your proportion of the costs which you have paid or agreed to pay and which you cannot recover from any source.
The insurer will not pay for the following in addition to the general exclusions, in connection with claims made under Section A1:
- the excess as shown in the Schedule of Benefit
- any claim for curtailment which has not been approved by the Medical Emergency Assistance service, prior to your return to the UK
- the cost of Airport Departure Duty where separately identify ed.
- any claim which is not supported by written medical confirmation and clinical reports from medical service providers as well as other proof of the happening of an event causing you to cancel or cut short your trip.
-any claim for Cancellation of Curtailment costs in relation to Ocean Cruising unless you have paid the additional premium prior to travel and cover is confirmation on your certificate cate.
- any costs which you have paid or agreed to pay, if your trip is cancelled for the following reasons:
i. claims arising directly or indirectly as a result of a pre-existing medical condition relating to you, your travelling companion, a relative or close business associate of yours or your travelling companion, or the person with whom you have arranged to stay whilst on the trip
ii. the person whose medical condition giving rise to the claim:
a) is travelling for the purpose of having medical treatment during the trip duration, or
b) is travelling against the advice of a medical practitioner, or
c) has received a terminal prognosis by a registered doctor before taking out this policy, or
d) is on a hospital waiting list, or
e) is awaiting the results of medical investigations
iii. you have failed to have any recommended vaccines, inoculations or medications prior to your trip
iv. you have failed to get the relevant passport or visa
v. unlawful or criminal proceedings against you or a person you are travelling with you
vi. redundancy, which is not notify ed during the period of insurance
vii. a pregnancy, which is confirmation by a registered doctor before the date you bought this policy
viii. medical complications arising from pregnancy or childbirth where prior medical complications have existed
ix. your disinclination to travel, phobias, anxiety or stress
x. your personal financial nancial circumstances, other than you being made redundant after the issue date of the certificate cate
xi. your late arrival at the airport or port after check in or booking in time
- Any costs in respect of the following:
a) any claims arising directly or indirectly from the cancellation or curtailment of travel arrangements in any way caused or contributed to by or on the order of any government, public or local authority including but not limited to any civil or federal aviation authority
b) loss of air passenger duty
c) unused timeshare property, airmiles or other promotions of this nature
d) your loss of enjoyment of the trip, however caused
e) your failure to advise us of any material fact prior to the issue of the certificate or prior to your departure on your trip
f) unused portions of your original ticket, where repatriation has been made
g) your travel expenses for you to return to the UK, if you do not already possess pre-paid return travel tickets
h) any cancellation or curtailment costs which the insurer would not have had to pay, had you notified the travel agent, tour operator or provider of transport or accommodation immediately after you knew you would be cancelling or curtailing your trip
i) any repair costs to your private motor vehicle
j) any claim resulting from you or a person you are travelling being posted overseas or receiving an emergency requirement of duty, following an act of war, invasion or terrorism
SPECIAL CONDITION:
It is a condition of this section that any claim for Cancellation be advised verbally to your issuing agent within 48 hours and confirmation in writing to the Claims Handler. Curtailment must be authorised by the Assistance company if the cost of your trip home is more than 250 (£250), following confirmation from the treating doctor that IT IS MEDICALLY NECESSARY THAT THE INSURED CURTAILS THEIR TRIP. If you curtail your trip due to an illness/death of a third party, family member or relative then you must also contact the Assistance company, otherwise your claim may be declined. You must always mitigate your costs.

Section G - missed departure
The insurer will pay you,up to the amount shown in the Schedule of Benefits, for reasonable additional accommodation and travel expenses, if you arrive at your last departure point from he UK or the last departure point or your return trip to the UK, too late to board your booked flight, train or sailing, as a result of the following:
- scheduled public transport services failing to get you to your destination in time due to strike, industrial action, adverse weather conditions or mechanical breakdown, or
- the private motor vehicle in which you were travelling suffering from a mechanical breakdown or failure,or
- the private motor vehicle in which you were travelling being directly involved in a road traffic accident which resulted in mechanical breakdown or failure.
The insurer will not pay for the following in addition to the general exclusions, in connection with claims made under Section G:
- the excess as shown in the Schedule of Benefits
- any upgrade in accommodation
- any claim arising as a result of you not having taken reasonable steps to complete the journey to the departure point on time
- any claim relating to internal flights
- any claim, if the adverse weather, strike or industrial action was in existence or publicly declared before you started your journey to the departure point
- any claim in respect of mechanical breakdown or failure, if your private motor vehicle, has not been properly serviced and maintained
- any repair costs to your private motor vehicle
- any claims for vehicle breakdown or failure, which are not substantiated by a written report from a rescue service or garage
- any additional compensation under Sections, or G.

Section F1 - travel delay
(not available under the Backpacker policy)
The insurer will pay you the amount shown in the Schedule of Benefits, if your planned:
- first outward fl flight, rail or sea trip from your home in the UK, or
- final inbound fl flight, rail or sea trip to your home in the UK is delayed in departure for 12 hours or more due to:
a) strike or
b) industrial action or
c) adverse weather conditions or
d) mechanical breakdown of or a technical fault occuring in the scheduled Public Transport on which you are booked to travel
The insurer will not pay the following in addition to the general exclusions, in connection with claims made under Section F1 & F2
- the excess as shown in the Schedule of Benefits
- any compensation if you have not got written confirmation from the airline, railway or shipping company or their handling agents, which shows the reason for the delay or cancellation of your holiday, the scheduled departure time and the actual departure time of your flight, rail journey or sailing, if applicable
- any claim arising from your failure to check-in as per your original itinerary
- any delay which is due to strike or industrial action which had started or was announced before you took out this policy
- compensation under both the travel delay and holiday abandonment sections of this policy
- any claims arising directly or indirectly from the delay of travel arrangements in any way caused or contributed to by or on the order of any government, public or local authority including but not limited to any civil or federal aviation authority
- any additional compensation under Sections A2, G or O

Section F2 - holiday abandonment
The insurer will pay, up to the amount shown in the Schedule of Benefits, for travel and accommodation expenses which you have paid or have contracted to pay and which you cannot recover from any source, if your holiday or journey is necessarily cancelled following a delay of 24 hours or more from the scheduled departure time due to:
a) strike or
b) industrial action or
c) adverse weather conditions or
d) mechanical breakdown of or a technical fault occuring in the scheduled Public Transport on which you are booked to travel
The insurer will not pay the following in addition to the general exclusions, in connection with claims made under Section F1 & F2
- the excess as shown in the Schedule of Benefits
- any compensation if you have not got written confirmation from the airline, railway or shipping company or their handling agents, which shows the reason for the delay or cancellation of your holiday, the scheduled departure time and the actual departure time of your flight, rail journey or sailing, if applicable
- any claim arising from your failure to check-in as per your original itinerary
- any delay which is due to strike or industrial action which had started or was announced before you took out this policy
- compensation under both the travel delay and holiday abandonment sections of this policy
- any claims arising directly or indirectly from the delay of travel arrangements in any way caused or contributed to by or on the order of any government, public or local authority including but not limited to any civil or federal aviation authority
- any additional compensation under Sections A2, G or O

Section I - personal liability
The insurer will pay for your legal liability inclusive of all associated legal fees and cost, in total up to the amount shown in the Schedule of Benefits, for any event which relates to an incident caused by you during the trip or one way trip, which results in:
- injury, illness or disease to another person, loss or damage to property which does not belong to you or any member of your family and is not in your or a member of your familys custody or control
The insurer will not pay for the following in addition to the general exclusions, in connection with claims made under Section I:
- the excess as shown in the Schedule of Benefits
- claims arising directly or indirectly from, happening through or in consequence of:
contractual liability, employers liability, or liability to a member of your family, your travelling companions family or to your travelling companion; or
- animals belonging to you, or in your care, custody or control; or
- wilful, malicious or unlawful acts or the use of firearms or weapons of any kind; or
- the pursuit of trade, business or profession; or
- ownership or occupation of land or buildings other than occupation only of any temporary residence for the purpose of your holiday; or
- the influence of intoxicating liquor or drugs
- any liability, injury, loss or damage arising directly or indirectly from or due to ownership, possession or use of any motorised or mechanical vehicles including any attached trailers or caravans, any aircraft (whatsoever), any watercraft or vessel (other than manually propelled watercraft or vessel) or any other form of motorised leisure equipment
- claims for legal fees and costs resulting from any criminal proceedings
- any claim where your liability is covered under any other policy
- any personal liability claim, which arises directly or indirectly, as a result of you participating in a Category 2 - 4 hazardous sport or leisure activity or any other hazardous sports or leisure activity.

Section F3 - kennel and cattery fees
(not available under the Backpacker policy)
If you are delayed as a result of a covered event under Section B and as a result incur additional kennelling or cattery fees, the insurer will pay you the amount shown in the Schedule of Benefits, for each and every complete 24 hour period of delay.
The insurer will not pay for the following in addition to the general exclusions, in connection with claims made under Section F3:
- any fees, if your pets stay does not exceed the pre-booked period of accommodation
- any fees which did not form part of the original pre-booked duration for your pet

Section A2 - catastrophe cover
(not available under the Backpacker policy)
If you are forced to move from your pre-booked and pre-paid accommodation as a result of :
- fire, explosion, lightning, earthquake, storm, tempest, hurricane, flood occuring during your trip the insurer will pay any travel and accommodation expenses you incur, to enable you to continue your trip; or if you are unable to continue with your trip, return you to the UK, up to the amount shown in the Schedule of Benefits
The insurer will not pay for the following in addition to the general exclusions, in connection with claims made under Section A2:
- the excess as shown in the Schedule of Benefits
- any costs which cannot be substantiated by a written report from the local or national authority who ordered your relocation which confirms the exact cause for the relocation
- any costs or expenses payable by or recoverable from your tour operator, airline, hotel or other provider of accommodation or transport
- any costs or expenses if you decide not to remain in your booked accommodation, although it is considered safe and acceptable to continue living there
- any additional compensation under Sections F1, G or O.

24 hr Global Medical Emergency Assistance
Telephone: 44 (0)20 3060 9699
The Medical Emergency Assistance service MUST be contacted as soon as possible in the event of You dying, incurring medical expenses in excess of £250, being involved in an accident, being admitted to hospital, curtailing your trip due to medical reasons or missing your flight due to medical reasons. Any minor illness or injury costs resulting in a claim should be paid by You, a receipt obtained and the amount reclaimed through Drakefield Insurance Claims within 31 days of the event. Appropriate Medical Transportation will be provided if deemed medically necessary and where the assistance company has been contacted first.

Hazardous activities
You are automatically covered under the personal accident and medical expenses sections of this policy, when you are participating in any of the Category 1 acceptable sports and leisure activities listed below:
Category 1 acceptable sports & leisure activities
The following activities are automatically included within the cover: archery, if adequately supervised (amateur), badminton (amateur), baseball (amateur), basketball (amateur), beach games, black water rafting (Grade 1 to 4), bungee jumping (up to 3 jumps), canoeing, clay pigeon shooting, cricket (amateur), cycling, dinghy sailing, fell walking, fencing, fishing, football (amateur), golf (amateur), hiking (under 2000 metres altitude), horse riding (up to 7 days), hot air ballooning which has been organised in the UK prior to departure, ice skating (not ice hockey), jet boating, jet skiing, jogging, marathon running (amateur), motorcycling up to 125cc, netball (amateur), orienteering, outward bound pursuits, paintballing, parascending (over water), pony trekking, racquetball, rambling, river canoeing, roller skating, roller blading, rounders, rowing, running-sprint/long distance (amateur), safari (UK organised), sail boarding, sailing within territorial limits, scuba diving up to 30 metres, if adequately supervised, snorkelling, squash (amateur), surfing (amateur, under 14 days), tennis (amateur), track events, trekking (under 2000 metres altitude), triathlon, volleyball (amateur), war games, water polo (amateur), water skiing (amateur), white water rafting (Grade 1 to 4), windsurfing (amateur), work abroad, yachting (racing/crewing inside territorial waters).
The following activities are not included in the definitions:
white water canoeing, bmx or mountain biking, deep sea fishing, horse jumping, hunting on horseback, polo on horseback, racing, safaris involving the use of firearms, scuba diving within 24 hours prior to departure, manual work abroad.
The following activities are considered to be hazardous sports & leisure activities. You will only be covered whilst participating in this hazardous sport or leisure activity, if you have paid the appropriate additional premium before your trip commenced and the activity is shown on your certificate.
The insurer will not:
Cover any child aged under 10, who is not supervised by an adult when participating in a Category 2 - 4 hazardous sport or leisure activity. cover any person aged 66 or over, who is participating in a hazardous sport or leisure activity. Provide any cover if you receive any financial reward or gain as a result of participating in a Category 2 - 4 hazardous sport or leisure activity. Pay any personal liability claim, which arises directly or indirectly, as a result of you participating in a Category 2 - 4 hazardous sport or leisure activity.
Category 2 hazardous sports & leisure activities:
boxing training (no contact), camel riding, cycle touring, deep sea fishing, dog sledging, elephant riding, flying in a private plane or small aircraft, flying as passenger in a private plane or small aircraft, go karting (specific use), gymnastics, hiking (between 2,000 and 6,000 metres altitude), hockey, horse riding (over 7 days), hot air ballooning (non-UK organised), hydro zorbing, kayaking, manual work, martial arts (training only), use of motorcycles over 125cc, mountain biking, quad biking, rugby (amateur), safari (non-UK organised), sea canoeing, ski-dooing, surfing (over 14 days, amateur), trekking (between 2,000 and 6,000 metres altitude), work abroad.
The following activities are not included in the definitions:
contact boxing, hunting on horseback, polo on horseback, horse jumping, hot air ballooning organised in the UK prior to travel, manual work which is not at ground level, manual work involving the use of machinery, racing, safaris involving the use of firearms, safaris organised in the UK, scuba diving within 24 hours prior to departure, scuba diving below 30 metres in depth.
Category 3 hazardous sports & leisure activities
abseiling, american football (amateur), black water rafting (grade 5 to 6 inclusive), gliding, outdoor endurance events, parachuting, paragliding, parascending (over land), sail boarding, sand boarding, sand yachting, snow mobiling, white water canoeing, white water rafting (grade 5 to 6 inclusive), yachting (racing/crewing) outside territorial waters.
Category 4 hazardous sports & leisure activities
animal riding, bmx cycling, bob sleighing, canyoning, hang gliding, heliskiing, high diving (amateur), horse jumping, ice hockey, land yachting, luging, manual work,
micro lighting, motor rallies, parasailing, rock climbing, rock scrambling, scuba diving (between 30 and 40 metres in depth), show jumping, skate boarding, sky diving, tobogganing, wrestling (amateur)
The following activities are not included in the definitions:
hunting on horseback, polo on horseback, racing, safaris involving the use of firearms, scuba diving within 24 hours prior to departure, manual work which is not at ground level, manual work involving the use of heavy machinery, major events and scuba diving if you are not a BSAC, PADI, DIWA, SSI or SSA member.

The insurer will not pay the following :
- more than £50 per single item, up to a maximum of £150 in total for any one claim, if you are unable to provide the original receipt, proof of purchase or an insurance valuation which was obtained prior to the loss

Conditions which apply to your whole policy
1) All material facts must be disclosed to the insurer at the time of taking out this policy. Failure to do so, may result in the insurers non-liability for claims. If you are in any doubt as to whether a fact is material, then for your own protection, it should be disclosed. All information provided in purchasing this insurance, shall form the basis of the contract. You should keep a record (including copies of letters) of all information provided to your issuing agent for the purpose of entering into this contract.
2) You must tell your agent as soon as possible about any change in risk which affects your policy, including you, a person you are travelling with, a close business associate or relative receiving confirmation of a medical condition or currently being under medical investigation, change in the sporting or leisure activities you intend to participate in during your trip or additional person(s) to be insured under the policy. The insurer has the right to reassess your policy and premium after you have advised your agent of any relevant information. If you do not advise your agent of all the relevant information, the insurer may quote the wrong terms, reject or reduce your claim, or your policy may become invalid.
3) You must be in the UK or Ireland at the time of taking out this policy and intend to return to the UK or Ireland within the trip duration, unless you have arranged a one-way trip.
4) The insurer will not consider any claim where you:
-have failed to disclose a material fact to your agent, or
-have a pre-existing medical condition; or
-have disclosed a material fact to your agent and have not paid the additional premium that was required by the insurer before your trip departure date.
-are travelling against medical advice.
5) Your issuing agent or broker will refund in full your premium if, within 14 days of the Date of Issue of the certificate, you decide it does not meet your needs, as long as you have not commenced your trip or made a claim. No refund in premium will be given after this period.
6) Whilst participating in any Category 2 - 4 hazardous sport or leisure activity, you must take reasonable care at all times to ensure your own safety and the safety of those around you. Such reasonable care involves following the directions of any instructor and (or) expedition leader and following the normal and reasonable safety procedures suggested or recommended by the recognised controlling body of the sport or activity concerned, or the safety procedures commonly exercised in pursuing the sport or activity in question at all times.
7) You or your legal representatives must provide, at your own expense, the insurer with all certificates, information and evidence they require and in the format they require.
8) You must, as often as required, agree to a medical examination on behalf of the insurer at your expense.
9) In the event of your death, the insurer shall be entitled to have a post-mortem examination at their own expense.
10) Any items which become the subject of a claim for damage, must be retained for the insurers inspection and shall be forwarded to their Agents upon request at your or your legal personal representatives expense. All such items shall become the property of the insurer following final settlement of the claim.
11) In the event of any occurrence which may give rise to a claim under this policy, you must take all reasonable steps to minimise any loss arising out of such a claim.
12) You must submit any claim to the insurer within 31 days of the incident.
13) This insurance is non-transferable. No premium will be refunded, either in full or on a pro-rata basis, after the expiry of the money back guarantee.
14) The insurer and you are entitled to choose the law applicable to this insurance contract.The insurer chooses English Law and, in the absence of any agreement to the contrary, English Law shall apply.
15) The insurer may, at its own expense, take proceedings in your name to recover compensation or secure an indemnity from any third party in respect of any loss or damage covered by this insurance and any amount so recovered shall belong to the insurer.
16) In the event that you recover, by any means, damages from any third party in respect of personal accident in the circumstances defined in Section H, all benefits paid to you under section J shall be repaid to the insurer.
17) If any false or fraudulent claim is made or if any false or fraudulent means or devices are used to obtain any benefit under this policy, all benefits thereunder and premiums paid shall be forfeited.
18) If at the time of loss, damage or liability covered under this policy, you have any other insurance or guarantee which covers the same loss, damage or liability, the insurer will only pay a rateable share of the claim.

Insurance Excess
Your attention is drawn to the fact that Excesses apply as shown in the Schedule of Benefits above. This means that You have to pay the first amount of any claim. The Excess applies per person to each Section claimed under and per claim.

Reciprocal health agreement
Travellers to European Union countries should carry a European Health Insurance Card (EHIC) available from The Department of Health. This will entitle them to benefit from the reciprocal health agreements which exist between certain European Countries. In the event of a claim being accepted for medical expenses which has been reduced by the use of a European Health Insurance Card, or Private Health Insurance, the deduction of the excess under Section B will not apply.