HSBC Travel Insurance

Over 70's

Medical emergency, repatriation, associated expenses - Section 5
If you are taken into hospital or you think you may have to come home early or extend your journey because of illness or accident, the emergency assistance company must be told as soon as possible - see page 21 for more information.
What you are covered for
We will pay you or your legal representatives for the following necessary emergency expenses which you run up either for a journey within six months of the incident or for a one-way trip within the first 17 days of arriving at your final destination.
1 Outside your home country and Great Britain during your journey or oneway trip:
a Up to £10 million for reasonable fees or charges for:
i medical, surgical, hospital, nursing home or nursing services;
What you are not covered for
You are not covered for anything mentioned in the conditions or general exclusions.
Under points 1a, 1c and 2 of this section:
An excess of £50, £500 or £1,000 depending on the excess chosen for each incident claimed for under this section, unless your claim is reduced because you used an EHIC card within one of the European Union countries listed on the back of the form or any other reciprocal health arrangement.
The cost of replacing any medication you were using when you began your journey or one-way trip.
Under points 1 and 2 of this section:
Any claim arising from you ever receiving treatment for a heart related condition, breathing problem, cancer or any other disease, unless we agree before the start date of your policy.
Extra transport and accommodation costs which are of a higher standard to those already used on your journey or one-way trip, unless we or the emergency assistance company agree.
ii reasonable extra transport and accommodation costs for you and one other person who stays or travels with you or to you from the United Kingdom on medical advice;
iii transporting your body or ashes to your home or we will pay up to £1,500 for your funeral expenses, in the place where you die outside Great Britain or your home country.
b £20 for each 24-hour period that you are in hospital as an in-patient up to £500 in total during the journey or one-way trip as well as any fees or charges paid under 1a.
c Up to £350 for emergency dental treatment to relieve sudden pain.
d Up to £150 for the cost of excursions booked and paid for before your journey or one-way trip began, which you cannot go on because you are in hospital or have to stay in bed on the written advice of the doctor who treated you in the place where you were staying, and which you cannot recover from anywhere else.
Anything caused by:
- you travelling in an aircraft (except as a passenger in a fully-licensed, passenger carrying aircraft);
- your suicide, self-injury or deliberately putting yourself at risk (unless you were trying to save another persons life);
- you being under the influence of drugs (except those prescribed by a registered doctor but not for the treatment of drug addiction);
- the direct or indirect effect of you using alcohol or solvents;
- you travelling on a motorcycle over 125cc, unless the rider holds a valid licence which lets them ride a motorcycle of more than 125cc;
- anything caused by you taking part in manual work or dangerous work, unless we agree in writing;
- you taking part in any dangerous activity (unless we agree in writing and an extra premium has been paid for this cover);
- pregnancy or childbirth, where the pregnancy is more than 28 weeks.
2 Within your home country and Great Britain during your journey or oneway trip: Up to £500 for:
a Reasonable extra transport and accommodation costs for you and any other person who stays or travels with you or to you from within the United Kingdom on medical advice; and
b The reasonable cost of transporting your ashes or body home.
Where cover is in place for winter sports, we will pay up to £250 in total for losing part of your prepaid ski pack, if you cannot recover the loss from anywhere else, and you get written advice from a doctor that you cannot ski because of an injury or illness during your journey, or one-way trip.
Under point 1ai of this section:
Services or treatments you receive within Great Britain or your home country.
Services or treatments you receive which the doctor in attendance and the emergency assistance company think can wait until you get back to Great Britain or your home country.
In-patient treatment or repatriation which the emergency assistance company has not authorised.
The extra costs of having a single or private room in a hospital or nursing home.
The cost of all treatment which is not directly related to the illness or injury that caused the claim.
Under point 1aiii of this section:
Your burial or cremation within Great Britain or your home country.
Under point 1c of this section:
Replacing or repairing false teeth or artificial teeth (such as crowns).
Dental work involving the use of precious metals.

Personal accident - Section 6
What you are covered for
We will pay you or your legal representative one of the following amounts for an accident which must be caused by something external and visible:
1 £15,000 for death (we will not pay more than £2,500 if you are under 16 or over 75 at the time of the accident).
2 £25,000 for total and permanent loss of sight in one or both eyes or total and permanent loss of use of one or both hands or feet.
3 £25,000 for a permanent physical disability as a result of which there is no work which you are able to do (we will not pay compensation if you are over 81 at the time of the accident). If you are not in paid work,
we will provide the same cover for any permanent disability which prevents you from doing all your usual activities.
What you are not covered for
You are not covered for anything mentioned in the conditions or general exclusions.
Anything caused by:
- any accident that you suffer before your journey or one-way trip begins;
- your sickness, disease, physical or mental condition that is gradually getting worse;
- you travelling in an aircraft (except as a passenger in a fully-licensed, passenger carrying aircraft);
- your suicide, self-injury or deliberately putting yourself at risk (unless you were trying to save another person's life);
- you being under the influence of drugs (except those prescribed by a registered doctor but not for the treatment of drug addiction);
- the direct or indirect effect of you using alcohol or solvents;
- you travelling on a motorcycle over 125cc, unless the rider holds a valid licence which lets them ride a motorcycle of more than 125cc;
- you taking part in manual work or dangerous work, unless we agree in writing;
- you taking part in any dangerous activity (unless we agree in writing and an extra premium has been paid for this cover).
We will not pay more than one of the benefits resulting from the same injury.

Medical emergency, repatriation, associated expenses - Section 5
If you are taken into hospital or you think you may have to come home early or extend your journey because of illness or accident, the emergency assistance company must be told as soon as possible - see page 21 for more information.
What you are covered for
We will pay you or your legal representatives for the following necessary emergency expenses which you run up either for a journey within six months of the incident or for a one-way trip within the first 17 days of arriving at your final destination.
1 Outside your home country and Great Britain during your journey or oneway trip:
a Up to £10 million for reasonable fees or charges for:
i medical, surgical, hospital, nursing home or nursing services;
What you are not covered for
You are not covered for anything mentioned in the conditions or general exclusions.
Under points 1a, 1c and 2 of this section:
An excess of £50, £500 or £1,000 depending on the excess chosen for each incident claimed for under this section, unless your claim is reduced because you used an EHIC card within one of the European Union countries listed on the back of the form or any other reciprocal health arrangement.
The cost of replacing any medication you were using when you began your journey or one-way trip.
Under points 1 and 2 of this section:
Any claim arising from you ever receiving treatment for a heart related condition, breathing problem, cancer or any other disease, unless we agree before the start date of your policy.
Extra transport and accommodation costs which are of a higher standard to those already used on your journey or one-way trip, unless we or the emergency assistance company agree.
ii reasonable extra transport and accommodation costs for you and one other person who stays or travels with you or to you from the United Kingdom on medical advice;
iii transporting your body or ashes to your home or we will pay up to £1,500 for your funeral expenses, in the place where you die outside Great Britain or your home country.
b £20 for each 24-hour period that you are in hospital as an in-patient up to £500 in total during the journey or one-way trip as well as any fees or charges paid under 1a.
c Up to £350 for emergency dental treatment to relieve sudden pain.

Medical emergency, repatriation, associated expenses - Section 5
If you are taken into hospital or you think you may have to come home early or extend your journey because of illness or accident, the emergency assistance company must be told as soon as possible - see page 21 for more information.
What you are covered for
We will pay you or your legal representatives for the following necessary emergency expenses which you run up either for a journey within six months of the incident or for a one-way trip within the first 17 days of arriving at your final destination.
1 Outside your home country and Great Britain during your journey or oneway trip:
a Up to £10 million for reasonable fees or charges for:
i medical, surgical, hospital, nursing home or nursing services;
What you are not covered for
You are not covered for anything mentioned in the conditions or general exclusions.
Under points 1a, 1c and 2 of this section:
An excess of £50, £500 or £1,000 depending on the excess chosen for each incident claimed for under this section, unless your claim is reduced because you used an EHIC card within one of the European Union countries listed on the back of the form or any other reciprocal health arrangement.
The cost of replacing any medication you were using when you began your journey or one-way trip.
Under points 1 and 2 of this section:
Any claim arising from you ever receiving treatment for a heart related condition, breathing problem, cancer or any other disease, unless we agree before the start date of your policy.
Extra transport and accommodation costs which are of a higher standard to those already used on your journey or one-way trip, unless we or the emergency assistance company agree.
ii reasonable extra transport and accommodation costs for you and one other person who stays or travels with you or to you from the United Kingdom on medical advice;
iii transporting your body or ashes to your home or we will pay up to £1,500 for your funeral expenses, in the place where you die outside Great Britain or your home country.
b £20 for each 24-hour period that you are in hospital as an in-patient up to £500 in total during the journey or one-way trip as well as any fees or charges paid under 1a.
c Up to £350 for emergency dental treatment to relieve sudden pain.

Medical emergency, repatriation, associated expenses - Section 5
If you are taken into hospital or you think you may have to come home early or extend your journey because of illness or accident, the emergency assistance company must be told as soon as possible - see page 21 for more information.
What you are covered for
We will pay you or your legal representatives for the following necessary emergency expenses which you run up either for a journey within six months of the incident or for a one-way trip within the first 17 days of arriving at your final destination.
1 Outside your home country and Great Britain during your journey or oneway trip:
a Up to £10 million for reasonable fees or charges for:
i medical, surgical, hospital, nursing home or nursing services;
What you are not covered for
You are not covered for anything mentioned in the conditions or general exclusions.
Under points 1a, 1c and 2 of this section:
An excess of £50, £500 or £1,000 depending on the excess chosen for each incident claimed for under this section, unless your claim is reduced because you used an EHIC card within one of the European Union countries listed on the back of the form or any other reciprocal health arrangement.
The cost of replacing any medication you were using when you began your journey or one-way trip.
Under points 1 and 2 of this section:
Any claim arising from you ever receiving treatment for a heart related condition, breathing problem, cancer or any other disease, unless we agree before the start date of your policy.
Extra transport and accommodation costs which are of a higher standard to those already used on your journey or one-way trip, unless we or the emergency assistance company agree.
ii reasonable extra transport and accommodation costs for you and one other person who stays or travels with you or to you from the United Kingdom on medical advice;
iii transporting your body or ashes to your home or we will pay up to £1,500 for your funeral expenses, in the place where you die outside Great Britain or your home country.

Medical emergency, repatriation, associated expenses - Section 5
If you are taken into hospital or you think you may have to come home early or extend your journey because of illness or accident, the emergency assistance company must be told as soon as possible - see page 21 for more information.
What you are covered for
We will pay you or your legal representatives for the following necessary emergency expenses which you run up either for a journey within six months of the incident or for a one-way trip within the first 17 days of arriving at your final destination.
1 Outside your home country and Great Britain during your journey or oneway trip:
a Up to £10 million for reasonable fees or charges for:
i medical, surgical, hospital, nursing home or nursing services;
What you are not covered for
You are not covered for anything mentioned in the conditions or general exclusions.
Under points 1a, 1c and 2 of this section:
An excess of £50, £500 or £1,000 depending on the excess chosen for each incident claimed for under this section, unless your claim is reduced because you used an EHIC card within one of the European Union countries listed on the back of the form or any other reciprocal health arrangement.
The cost of replacing any medication you were using when you began your journey or one-way trip.
Under points 1 and 2 of this section:
Any claim arising from you ever receiving treatment for a heart related condition, breathing problem, cancer or any other disease, unless we agree before the start date of your policy.
Extra transport and accommodation costs which are of a higher standard to those already used on your journey or one-way trip, unless we or the emergency assistance company agree.
ii reasonable extra transport and accommodation costs for you and one other person who stays or travels with you or to you from the United Kingdom on medical advice;
iii transporting your body or ashes to your home or we will pay up to £1,500 for your funeral expenses, in the place where you die outside Great Britain or your home country.

Personal possessions and personal money - Section 7
Please check your policy schedule for your level of cover under this section.
You will be covered for points 2 and 3, even if you have opted to exclude this cover.
What you are covered for
1 Up to £2,000 in total for your personal possessions (this does not include ski equipment) that are damaged, stolen, lost or destroyed on your journey or one-way trip.
Where cover is in place for winter sports, we will pay up to £200 in total for ski equipment owned or hired by you that is damaged, stolen, lost or destroyed on your journey or one-way trip.
It will be our decision to pay either:
- the cost of repairing your items;
- to replace your items; or
- the cost of replacing your items less an amount for wear, tear and loss of value.
What you are not covered for
You are not covered for anything mentioned in the conditions or general exclusions.
Under points 1 and 4 of this section:
An excess of £50 for each incident claimed for under this section.
Under point 1 of this section:
More than £250 for any single article, pair or set of any kind, whether jointly owned or not.
More than the part of the pair or set that is stolen, lost or destroyed.
More than £250 in total for valuables, whether jointly owned or not.
Breakage of or damage to sports equipment while it is being used (this does not include ski equipment), fragile articles, works of art, paintings, sculptures, computer games musical instruments, audio, video, computer, television, fax, phone, portable satellite and scuba diving equipment and household goods unless the breakage or damage is caused by fire or accident to the vehicle in which they are being carried.
Loss or damage due to the climate, wear and tear, reduction in value, moths or vermin.
The cost of replacing or repairing false teeth.
2 Up to £100 in total for essential replacement items, if your personal possessions (this does not include ski equipment) are lost or stolen on your outward journey for more than 12 hours from when you arrived at your destination.
You must send us the receipts for anything that you buy. We will take any amount we pay from the final claim settlement if the items are permanently lost.
Where cover is in place for winter sports, we will pay £10 for each full 24- hour period up to £150 in total for necessary costs to hire ski equipment if your own is lost or stolen on your outward journey for more than 12 hours from when you arrived at your destination.
3 Up to £250 towards the costs of replacing your passport or driving licence if it is lost, stolen or destroyed on your journey or one-way trip.
4 Up to £500 for loss or theft of your personal money while on your journey or one-way trip.

Legal advice and expenses cover
Definition of words that apply to this cover
Throughout this cover, the words and phrases listed below have the meanings given next to them when printed in bold.
You, your - each person who an insurance premium has been paid for as shown on the policy schedule.
What you are covered for
You can call Mapfre Assistance for telephone advice on any personal legal matter arising from your journey. If you die, are ill or injured during the period of insurance and you or your legal representative take legal action to get compensation, the insurer will do the following to get compensation for this death, injury or illness:
a Offer the following loans:
i Up to £25,000 for you (but not more than £50,000 in total for all of you) for legal costs and expenses, directly related to the legal action.
ii Up to £1,000 for you, for travel and accommodation costs that you have to pay to go to a foreign court in connection with any legal action under point i above.
b If you do not get any or much compensation, the insurer will cover you for any fees, costs and expenses of the proceedings, but only for the amount that these fees, costs and expenses are more than the compensation received, up to a limit of £25,000 for you (but no more than £50,000 in total for all of you).
What you are not covered for
a Costs or expenses that the insurer has not agreed to.
b Any claim not reported to the insurer within 90 days after the event giving rise to the claim.
c Any claim against a travel agent, tour operator or carrier, the insurer, our agent or an insurer who provides the cover of any section of this policy.
d Any claim where the insurer thinks a reasonable settlement is unlikely or where the cost of the action could be more than the settlement.
e Actions between members of the same family or household, or actions to enforce a judgement or legally binding decision.
f Anything mentioned in the general exclusions of this policy.
Conditions that apply to this cover
1 The insurer has complete control over the legal proceedings, although you do not have to accept the lawyer the insurer chooses. If you and the insurer cannot agree on a suitable lawyer, the insurer
will ask the Law Society or Bar Council (or similar organisation abroad) to choose another lawyer. In the meantime, the insurer may appoint a lawyer to protect your interests.
2 If you or your lawyer receive any compensation, you must repay any amounts the insurer has paid.
3 The insurer will not pay the legal expenses for bringing legal action in more than one country for the same event.

Personal possessions and personal money - Section 7
Please check your policy schedule for your level of cover under this section.
You will be covered for points 2 and 3, even if you have opted to exclude this cover.
What you are covered for
3 Up to £250 towards the costs of replacing your passport or driving licence if it is lost, stolen or destroyed on your journey or one-way trip.

Personal possessions and personal money - Section 7
Please check your policy schedule for your level of cover under this section.
You will be covered for points 2 and 3, even if you have opted to exclude this cover.
What you are covered for
3 Up to £250 towards the costs of replacing your passport or driving licence if it is lost, stolen or destroyed on your journey or one-way trip.

Hijack - Section 4
What you are covered for
If you are prevented from reaching your destination due to the hijack of the aircraft in which you are travelling, we will pay compensation of £50 for every full 24 hours you are delayed.
The most we will pay to each insured person is £1,000.
What you are not covered for
You are not covered for anything mentioned in the conditions or general exclusions.
Compensation unless you get a letter from the airline confirming the delay.

Personal possessions and personal money Section 7
What you are covered for
Where cover is in place for winter sports, we will pay up to £200 in total for ski equipment owned or hired by you that is damaged, stolen, lost or destroyed on your journey or one-way trip.
Where cover is in place for winter sports, we will pay £10 for each full 24- hour period up to £150 in total for necessary costs to hire ski equipment if your own is lost or stolen on your outward journey for more than 12 hours from when you arrived at your destination.
Where cover is in place for winter sports,your ski pass is included in the definition of personal money.

Personal possessions and personal money Section 7
What you are covered for
Where cover is in place for winter sports, we will pay up to £200 in total for ski equipment owned or hired by you that is damaged, stolen, lost or destroyed on your journey or one-way trip.
Where cover is in place for winter sports, we will pay £10 for each full 24- hour period up to £150 in total for necessary costs to hire ski equipment if your own is lost or stolen on your outward journey for more than 12 hours from when you arrived at your destination.
Where cover is in place for winter sports, your ski pass is included in the definition of personal money.

Personal possessions and personal money Section 7
What you are covered for
Where cover is in place for winter sports, we will pay up to £200 in total for ski equipment owned or hired by you that is damaged, stolen, lost or destroyed on your journey or one-way trip.
Where cover is in place for winter sports, we will pay £10 for each full 24- hour period up to £150 in total for necessary costs to hire ski equipment if your own is lost or stolen on your outward journey for more than 12 hours from when you arrived at your destination.
Where cover is in place for winter sports, your ski pass is included in the definition of personal money.

Medical emergency, repatriation, associated expenses - Section 5
If you are taken into hospital or you think you may have to come home early or extend your journey because of illness or accident, the emergency assistance company must be told as soon as possible - see page 21 for more information.
What you are covered for
We will pay you or your legal representatives for the following necessary emergency expenses which you run up either for a journey within six months of the incident or for a one-way trip within the first 17 days of arriving at your final destination.
1 Outside your home country and Great Britain during your journey or oneway trip:
a Up to £10 million for reasonable fees or charges for:
i medical, surgical, hospital, nursing home or nursing services;
What you are not covered for
Where cover is in place for winter sports, we will pay up to £250 in total for losing part of your prepaid ski pack, if you cannot recover the loss from anywhere else, and you get written advice from a doctor that you cannot ski because of an injury or illness during your journey, or one-way trip.

Personal possessions and personal money Section 7
What you are covered for
Where cover is in place for winter sports, we will pay up to £200 in total for ski equipment owned or hired by you that is damaged, stolen, lost or destroyed on your journey or one-way trip.
Where cover is in place for winter sports, we will pay £10 for each full 24- hour period up to £150 in total for necessary costs to hire ski equipment if your own is lost or stolen on your outward journey for more than 12 hours from when you arrived at your destination.
Where cover is in place for winter sports, your ski pass is included in the definition of personal money.

Piste closure - Section 8
Please check your policy schedule for your level of cover under this section
What you are covered for
Where cover is in place for winter sports, we will pay compensation if it is not possible for you to ski, because of not enough snow, too much snow or high winds, for as long as these conditions continue and which result in all ski lifts and ski-schools at your booked ski resort being closed.
We will pay:
1 The cost of extra transport or lift passes to let you ski at another resort, up to £10 for each full 24-hour period up to £200 in total; or
2 £25 for each full 24-hour period up to £200 in total if no other resort is available.
This section only covers journeys commencing 1 November or later and ending before 31 March.
What you are not covered for
You are not covered for anything mentioned in the conditions or general exclusions.
We will not pay any compensation for the first full 24 hours at your booked ski resort.
Any journey or one-way trip in Bulgaria or the United Kingdom.
We will not pay any compensation unless you have a letter from the ski-lift or ski school operators giving the reason for closing the piste and showing the number of days the piste was closed during your journey or one-way trip.
Compensation which you can get from your tour operator or anywhere else.
Any compensation if your policy was issued less than 14 days before the beginning of your journey or one-way trip, unless the booking was made at the same time and no ski-lifts or ski-schools in your pre-booked resort were closed.

Piste closure - Section 8
Please check your policy schedule for your level of cover under this section
What you are covered for
Where cover is in place for winter sports, we will pay compensation if it is not possible for you to ski, because of not enough snow, too much snow or high winds, for as long as these conditions continue and which result in all ski lifts and ski-schools at your booked ski resort being closed.
We will pay:
1 The cost of extra transport or lift passes to let you ski at another resort, up to £10 for each full 24-hour period up to £200 in total; or
2 £25 for each full 24-hour period up to £200 in total if no other resort is available.
This section only covers journeys commencing 1 November or later and ending before 31 March.
What you are not covered for
You are not covered for anything mentioned in the conditions or general exclusions.
We will not pay any compensation for the first full 24 hours at your booked ski resort.
Any journey or one-way trip in Bulgaria or the United Kingdom.
We will not pay any compensation unless you have a letter from the ski-lift or ski school operators giving the reason for closing the piste and showing the number of days the piste was closed during your journey or one-way trip.
Compensation which you can get from your tour operator or anywhere else.
Any compensation if your policy was issued less than 14 days before the beginning of your journey or one-way trip, unless the booking was made at the same time and no ski-lifts or ski-schools in your pre-booked resort were closed.

Piste closure - Section 8
Please check your policy schedule for your level of cover under this section
What you are covered for
Where cover is in place for winter sports, we will pay compensation if it is not possible for you to ski, because of not enough snow, too much snow or high winds, for as long as these conditions continue and which result in all ski lifts and ski-schools at your booked ski resort being closed.
We will pay:
1 The cost of extra transport or lift passes to let you ski at another resort, up to £10 for each full 24-hour period up to £200 in total; or
2 £25 for each full 24-hour period up to £200 in total if no other resort is available.
This section only covers journeys commencing 1 November or later and ending before 31 March.
What you are not covered for
You are not covered for anything mentioned in the conditions or general exclusions.
We will not pay any compensation for the first full 24 hours at your booked ski resort.
Any journey or one-way trip in Bulgaria or the United Kingdom.
We will not pay any compensation unless you have a letter from the ski-lift or ski school operators giving the reason for closing the piste and showing the number of days the piste was closed during your journey or one-way trip.
Compensation which you can get from your tour operator or anywhere else.
Any compensation if your policy was issued less than 14 days before the beginning of your journey or one-way trip, unless the booking was made at the same time and no ski-lifts or ski-schools in your pre-booked resort were closed.

Personal possessions and personal money Section 7
What you are covered for
Where cover is in place for winter sports, we will pay up to £200 in total for ski equipment owned or hired by you that is damaged,
stolen, lost or destroyed on your journey or one-way trip.
Where cover is in place for winter sports, we will pay £10 for each full 24- hour period up to £150 in total for necessary costs to hire ski equipment if your own is lost or stolen on your outward journey for more than 12 hours from when you arrived at your destination.
Where cover is in place for winter sports, your ski pass is included in the definition of personal money.

Personal possessions and personal money Section 7
What you are covered for
Where cover is in place for winter sports, we will pay up to £200 in total for ski equipment owned or hired by you that is damaged,
stolen, lost or destroyed on your journey or one-way trip.
Where cover is in place for winter sports, we will pay £10 for each full 24- hour period up to £150 in total for necessary costs to hire ski equipment if your own is lost or stolen on your outward journey for more than 12 hours from when you arrived at your destination.
Where cover is in place for winter sports, your ski pass is included in the definition of personal money.

Winter sports - skiing (including cross country, mono, land, off-piste and glacier skiing on recognised ski runs), snow boarding, ice skating, ice hockey, skidooing, sledging, glacier walking, ski boarding, snow mobiles, tobogganing and curling.

Personal possessions and personal money - Section 7
Please check your policy schedule for your level of cover under this section.
You will be covered for points 2 and 3, even if you have opted to exclude this cover.
What you are covered for
1 Up to £2,000 in total for your personal possessions (this does not include ski equipment) that are damaged, stolen, lost or destroyed on your journey or one-way trip.
Where cover is in place for winter sports, we will pay up to £200 in total for ski equipment owned or hired by you that is damaged, stolen, lost or destroyed on your journey or one-way trip.
It will be our decision to pay either:
- the cost of repairing your items;
- to replace your items; or
- the cost of replacing your items less an amount for wear, tear and loss of value.
What you are not covered for
You are not covered for anything mentioned in the conditions or general exclusions.
Under points 1 and 4 of this section:
An excess of £50 for each incident claimed for under this section.
Under point 1 of this section:
More than £250 for any single article, pair or set of any kind, whether jointly owned or not.
More than the part of the pair or set that is stolen, lost or destroyed.
More than £250 in total for valuables, whether jointly owned or not.
Breakage of or damage to sports equipment while it is being used (this does not include ski equipment), fragile articles, works of art, paintings, sculptures, computer games musical instruments, audio, video, computer, television, fax, phone, portable satellite and scuba diving equipment and household goods unless the breakage or damage is caused by fire or accident to the vehicle in which they are being carried.
Loss or damage due to the climate, wear and tear, reduction in value, moths or vermin.
The cost of replacing or repairing false teeth.
2 Up to £100 in total for essential replacement items, if your personal possessions (this does not include ski equipment) are lost or stolen on your outward journey for more than 12 hours from when you arrived at your destination.
You must send us the receipts for anything that you buy. We will take any amount we pay from the final claim settlement if the items are permanently lost.
Where cover is in place for winter sports, we will pay £10 for each full 24- hour period up to £150 in total for necessary costs to hire ski equipment if your own is lost or stolen on your outward journey for more than 12 hours from when you arrived at your destination.
3 Up to £250 towards the costs of replacing your passport or driving licence if it is lost, stolen or destroyed on your journey or one-way trip.
4 Up to £500 for loss or theft of your personal money while on your journey or one-way trip.
Where cover is in place for winter sports, your ski pass is included in the definition of personal money.
Under points 1 and 2 of this section:
Personal possessions sent as freight (such as suitcases you send ahead of you).
Under point 3 of this section:
Compensation unless you get a letter from the relevant organisation you reported the loss to.
Under points 1, 2 and 3 of this section:
Loss or theft of, or damage to the following:
- films, tapes, cassettes, cartridges or discs, unless they were pre-recorded, in which case we will pay up to the replacement cost;
- goods which deteriorate, bottles or cartons, and any damage caused by these items or their contents;
- pedal cycles, wheelchairs, prams, pushchairs or baby buggies except while they are being carried by public transport;
- property specifically covered by other insurance;
- valuables left in a motor vehicle;
- valuables carried in suitcases, trunks or similar containers unless they are with you all the time;
- valuables unless they are with you all the time or locked in a safe or safety deposit box (if one is available) or locked in the accommodation you are using on your journey or one-way trip;
- contact or corneal lenses;
- bonds, share certificates, guarantees or documents of any kind;
- personal possessions that are not with you all the time unless they are locked in the accommodation you are using on your journey or one-way trip, or they are out of sight in the locked boot or covered luggage
area of a locked motor vehicle which has been broken into (no cover for valuables);
- personal money.
Under point 4 of this section:
More than £250 in cash in total while on you, whether jointly owned or not, unless it is locked in the accommodation you are using on your journey or one-way trip.
Compensation unless you can provide receipts of the amount you had from the place where you got the currency.
Loss or theft of personal money, unless it is with you all the time, locked in a safe or safety deposit box (if one is available) or locked in the accommodation you are using on your journey or one-way trip.
Loss caused by a reduction in exchange rates or shortage caused by mistakes in exchanging currency.
Loss or theft of travellers cheques if the place where you got them provides a replacement service.
Travel tickets paid for using Air Miles.

Personal possessions and personal money - Section 7
Please check your policy schedule for your level of cover under this section.
You will be covered for points 2 and 3, even if you have opted to exclude this cover.
What you are covered for
1 Up to £2,000 in total for your personal possessions (this does not include ski equipment) that are damaged, stolen, lost or destroyed on your journey or one-way trip.
Where cover is in place for winter sports, we will pay up to £200 in total for ski equipment owned or hired by you that is damaged, stolen, lost or destroyed on your journey or one-way trip.
It will be our decision to pay either:
- the cost of repairing your items;
- to replace your items; or
- the cost of replacing your items less an amount for wear, tear and loss of value.
What you are not covered for
You are not covered for anything mentioned in the conditions or general exclusions.
Under points 1 and 4 of this section:
An excess of £50 for each incident claimed for under this section.
Under point 1 of this section:
More than £250 for any single article, pair or set of any kind, whether jointly owned or not.
More than the part of the pair or set that is stolen, lost or destroyed.
More than £250 in total for valuables, whether jointly owned or not.
Breakage of or damage to sports equipment while it is being used (this does not include ski equipment), fragile articles, works of art, paintings, sculptures, computer games musical instruments, audio, video, computer, television, fax, phone, portable satellite and scuba diving equipment and household goods unless the breakage or damage is caused by fire or accident to the vehicle in which they are being carried.
Loss or damage due to the climate, wear and tear, reduction in value, moths or vermin.
The cost of replacing or repairing false teeth.
2 Up to £100 in total for essential replacement items, if your personal possessions (this does not include ski equipment) are lost or stolen on your outward journey for more than 12 hours from when you arrived at your destination.
You must send us the receipts for anything that you buy. We will take any amount we pay from the final claim settlement if the items are permanently lost.
Where cover is in place for winter sports, we will pay £10 for each full 24- hour period up to £150 in total for necessary costs to hire ski equipment if your own is lost or stolen on your outward journey for more than 12 hours from when you arrived at your destination.
3 Up to £250 towards the costs of replacing your passport or driving licence if it is lost, stolen or destroyed on your journey or one-way trip.
4 Up to £500 for loss or theft of your personal money while on your journey or one-way trip.
Where cover is in place for winter sports, your ski pass is included in the definition of personal money.
Under points 1 and 2 of this section:
Personal possessions sent as freight (such as suitcases you send ahead of you).
Under point 3 of this section:
Compensation unless you get a letter from the relevant organisation you reported the loss to.
Under points 1, 2 and 3 of this section:
Loss or theft of, or damage to the following:
- films, tapes, cassettes, cartridges or discs, unless they were pre-recorded, in which case we will pay up to the replacement cost;
- goods which deteriorate, bottles or cartons, and any damage caused by these items or their contents;
- pedal cycles, wheelchairs, prams, pushchairs or baby buggies except while they are being carried by public transport;
- property specifically covered by other insurance;
- valuables left in a motor vehicle;
- valuables carried in suitcases, trunks or similar containers unless they are with you all the time;
- valuables unless they are with you all the time or locked in a safe or safety deposit box (if one is available) or locked in the accommodation you are using on your journey or one-way trip;
- contact or corneal lenses;
- bonds, share certificates, guarantees or documents of any kind;
- personal possessions that are not with you all the time unless they are locked in the accommodation you are using on your journey or one-way trip, or they are out of sight in the locked boot or covered luggage
area of a locked motor vehicle which has been broken into (no cover for valuables);
- personal money.
Under point 4 of this section:
More than £250 in cash in total while on you, whether jointly owned or not, unless it is locked in the accommodation you are using on your journey or one-way trip.
Compensation unless you can provide receipts of the amount you had from the place where you got the currency.
Loss or theft of personal money, unless it is with you all the time, locked in a safe or safety deposit box (if one is available) or locked in the accommodation you are using on your journey or one-way trip.
Loss caused by a reduction in exchange rates or shortage caused by mistakes in exchanging currency.
Loss or theft of travellers cheques if the place where you got them provides a replacement service.
Travel tickets paid for using Air Miles.

Cancellation or curtailment charges - Section 1
Single trip policyholders, please check your policy schedule for your cover under this section.
If you think you may have to cut your journey short (curtail), the emergency assistance company must be told as soon as possible - see page 21 for more information.
What you are covered for
We will pay up to £5,000 or £7,500 depending on the level of cover chosen (this includes up to £150 for excursions) in total for your part of the costs of unused personal accommodation, transport charges and extra travel expenses, which have been booked and paid, or where there is a contract to pay before your journey or one-way trip began, which cannot be recovered from anywhere else.
We will provide this cover in the following necessary circumstances:
1 If you cancel your journey or one-way trip before it begins because of reasons beyond your control, and which happen after the start date of your policy and the date your travel tickets or confirmation of booking
were issued.
Where cover is in place for winter sports, we will pay for ski pack deposits if you cannot recover the loss from anywhere else.
What you are not covered for
You are not covered for anything mentioned in the conditions or general exclusions. Under points 1 and 2 of this section:
An excess of £50 (or £10 if you are only claiming for your lost deposit) for each incident claimed for under this section.
Any claim arising from you ever receiving treatment for a heart related condition, breathing problem, cancer or any other disease unless we agree before the start date of your policy.
Travel tickets paid for using Air Miles.
Anything caused by:
- not having the correct passport or visa;
- any restriction caused by the law of any country or people enforcing these laws;
- bankruptcy or liquidation of the company providing your transport or accommodation, their agents or any person acting for you;
- anything the company providing your transport or accommodation, their agents, any person acting for you or your conference organiser is responsible for;
- your vehicle being stolen or breaking down;
Or,
2 If you cut your journey short (curtail) after it has begun because of one of the following:
a The death, serious injury or serious illness of you, your husband or wife (including partner), someone you are travelling with, a relative, the person you are engaged to, a close business associate who lives in the
United Kingdom or a friend you were going to stay with.
b You or someone you are travelling with is called for jury service in the United Kingdom or as a witness in a court in the United Kingdom.
c You or someone you are travelling with is needed by the police following a burglary, or damage caused by serious fire, storm, flood, explosion, subsidence, vandalism, fallen trees, impact by aircraft or vehicle at your home or their home or usual place of business in the United Kingdom.
d You are injured or ill and are in hospital for the rest of your journey.
e Severe weather stops you from making your outward journey from the United Kingdom.
- you not wanting to travel or not enjoying your journey or one-way trip;
- riot, civil commotion, strike or lock-out;
- you travelling in an aircraft (except as a passenger in a fully-licensed, passenger carrying aircraft);
- your suicide, self-injury or deliberately putting yourself at risk (unless you were)
- you being under the influence of drugs (except those prescribed by a registered doctor but not for the treatment of drug addiction);
- the direct or indirect effect of you using alcohol or solvents;
- the death of any pet or animal.
Under point 1 of this section:
Any extra cancellation charges because you did not tell the company providing your transport or accommodation, their agents or any person acting for you, as soon as you knew you had to cancel.
Cancellation because of pregnancy or childbirth, where the pregnancy would have been more than 28 weeks at the beginning of the journey or one-way trip (unless the pregnancy was confirmed after the start date of your policy and the date your travel tickets or confirmation of booking were issued and is medically necessary).
f Your passport is lost or stolen after check-in at your departure point and stops you making your outward journey from the United Kingdom.
g You, your husband or wife, (including partner), a relative, the person you are engaged to or someone you are travelling with, is a member of the Armed Forces and is ordered to return to duty.
Where cover is in place for winter sports, we will pay up to £200 in total for points 2a or 2d above for losing part of your prepaid ski pack, if you cannot recover the loss from anywhere else.
We will calculate curtailment claims from the day it is necessary for you to return home or you are hospitalised as an inpatient, for the rest of your journey. We will pay personal accommodation and extra travel expenses based on each 24-hour period you have lost. If we pay extra transport costs in the event of your repatriation your unused travel tickets will then belong to us.
Financial circumstances or unemployment, except caused by redundancy which you find out about after the start date of your policy and the date your travel tickets or confirmation of booking were issued.
Under point 2 of this section:
Cutting short your journey unless the emergency assistance company has agreed.
Cutting short your journey because of pregnancy or childbirth, where the pregnancy is more than 28 weeks.
Any costs when you do not get a medical certificate (from the doctor who treated you in the place where you were staying) which says it was necessary for you to come home early because of death, injury or illness. The emergency assistance companys doctor must have agreed with the reason and that you were fit to travel (in the case of injury or illness).
The cost of your original pre-booked tickets if you have not used them and we have paid extra transport costs.
You travelling on a motorcycle over 125cc, unless the rider holds a valid licence which lets them ride a motorcycle of more than 125cc.
Anything caused by you taking part in manual work or dangerous work, unless we agree in writing.
Anything caused by you taking part in a dangerous activity (unless we agree in writing and an extra premium has been paid for this cover).
Anything on a one-way trip.
Under points 2a and 2d of this section:
Cutting short your journey because you are ill or injured and unable to take part in any winter sports activity, unless you get written advice from a doctor that you cannot ski.
Under point 2f of this section:
Any claim unless:
- you can produce either your boarding pass or a letter from the carrier confirming that you checked in with your passport;
- you have written confirmation from the relevant authority, that you reported the loss and that every attempt was made to recover your passport;
- you have written confirmation from your carrier that no reasonable alternative travel arrangements could be made.

Missed departure - Section 2
What you are covered for
We will pay you up to £500 compensation for the cost of extra accommodation and transport which you have to pay to get to your journey or one-way trip destination or back home because you do not get to the departure point by the time shown in your travel itinerary (plans) because:
- public transport does not run to its timetable; or
- the vehicle you are travelling in has an accident, breaks down or is stolen; or
- strike or industrial action; or
- severe weather.
What you are not covered for
You are not covered for anything mentioned in the conditions or general exclusions.
Any journey or one-way trip within the United Kingdom not involving a sea crossing.
Compensation unless you get a letter from the public transport provider (if this applies) confirming that the service did not run on time.
Compensation, unless you get confirmation of the delay from the authority who went to the accident or breakdown (if this applies) affecting the vehicle you were travelling in.
Compensation, unless you have allowed time in your travel plans for delays which are expected.
Any delay caused by a riot, civil commotion, strike or industrial action which began or was announced before the start date of your policy and the date your travel tickets or confirmation of booking were issued.
Failure of public transport caused by a riot, civil commotion, strike or industrial action which began or was announced before you left home or where you could have reasonably made other travel arrangements.

Departure delay - Section 3
What you are covered for
If the flight, international train or sailing you are booked on is delayed at its departure point by more than 12 hours from the time shown in your travel itinerary (plans):
We will pay:
1 a £20 after the first full 12 hours of delay and £10 after each extra delay of 10 hours up to £200 in total and
b up to £100 after the first full 12 hours of delay, for the cost of accommodation if you do go on the trip; or
2 Up to £5,000 or £7,500 depending on the level of cover chosen in total for your part of the costs of the journey or one-way trip, which have been paid or where there is a contract to pay before the start of the
journey or one-way trip, which you cannot recover from anywhere else, if, after you have been delayed for more than 12 hours, you decide to abandon the journey or one-way trip before you leave the United Kingdom.
What you are not covered for
You are not covered for anything mentioned in the conditions or general exclusions.
Under point 2 of this section:
An excess of £50 for each incident claimed for under this section.
Travel tickets paid for using Air Miles.
Under points 1 and 2 of this section:
Anything which is caused by you not checking in at the departure point when you should have done.
Anything which is caused by your flight being overbooked.
Missed connections.
Any journey or one-way trip within the United Kingdom not involving a sea crossing.
Compensation unless you get a letter from the airline, railway company or shipping line giving the reason for the delay and showing the scheduled departure time and the actual departure time of the flight, international train or sea vessel.
Any delay caused by a riot, civil commotion, strike or industrial action which began or was announced before the start date of your policy and the date your travel tickets or confirmation if booking were issued.

Departure delay - Section 3
What you are covered for
If the flight, international train or sailing you are booked on is delayed at its departure point by more than 12 hours from the time shown in your travel itinerary (plans):
We will pay:
1 a £20 after the first full 12 hours of delay and £10 after each extra delay of 10 hours up to £200 in total and
b up to £100 after the first full 12 hours of delay, for the cost of accommodation if you do go on the trip; or
2 Up to £5,000 or £7,500 depending on the level of cover chosen in total for your part of the costs of the journey or one-way trip, which have been paid or where there is a contract to pay before the start of the
journey or one-way trip, which you cannot recover from anywhere else, if, after you have been delayed for more than 12 hours, you decide to abandon the journey or one-way trip before you leave the United Kingdom.
What you are not covered for
You are not covered for anything mentioned in the conditions or general exclusions.
Under point 2 of this section:
An excess of £50 for each incident claimed for under this section.
Travel tickets paid for using Air Miles.
Under points 1 and 2 of this section:
Anything which is caused by you not checking in at the departure point when you should have done.
Anything which is caused by your flight being overbooked.
Missed connections.
Any journey or one-way trip within the United Kingdom not involving a sea crossing.
Compensation unless you get a letter from the airline, railway company or shipping line giving the reason for the delay and showing the scheduled departure time and the actual departure time of the flight, international train or sea vessel.
Any delay caused by a riot, civil commotion, strike or industrial action which began or was announced before the start date of your policy and the date your travel tickets or confirmation if booking were issued.

Personal liability - Section 9
If you are hiring a motorised or mechanical vehicle while on your journey or one-way trip, you must make sure that you get the necessary insurance from the hire company.
We do not cover this under our policy.
What you are covered for
We will pay up to £2 million plus any other costs we agree to in writing that relate to anything you cause during your journey or oneway trip for which you are legally liable and results in one of the following:
1 Bodily injury of any person;
2 Loss of or damage to property which you do not own and you or any member of your family have not hired, loaned or borrowed;
3 Loss of or damage to the accommodation you are using on your journey or one-way trip that does not belong to you or any member of your family.
What you are not covered for
You are not covered for anything mentioned in the conditions or general exclusions.
An excess of £50 for each incident claimed for under this section.
Any liability for bodily injury or loss of or damage to property that comes under any of the following categories:
- something which is suffered by anyone employed by you or a member of your family and is caused by the work they are employed to do;
- something which is caused by something you deliberately did or did not do;
- something which is caused by your employment or any member of your family's employment;
- something which is caused by you using any firearm or weapon;
- something which is caused by any animal you own, look after or control, except horses you use for private riding and hunting, domestic dogs and cats;
- something which you agree to take responsibility for which you would not otherwise have been responsible for.
Any liability for bodily injury, suffered by you or any member of your family.
Compensation or other costs caused by accidents arising from your use, ownership or possession of any of the following:
- The use of any land or building except for the accommodation you are using on your journey or one-way trip.
- Motorised or mechanical vehicles and any trailers attached to them.
- Aircraft, motorised water craft or sailing vessels, except boats designed for and being used as accommodation, on your journey or one-way trip.

General exclusions
1 We will not cover you for any loss, injury, damage, illness, death or legal liability arising directly or indirectly from or consisting of the following:
a A relevant fact that you knew about before you travelled, unless we agreed to it in writing.
b War, riot, revolution or any similar event (except for members of the Armed Forces or under sections 4, 5 and 6).
c You not following any suggestions or recommendations made by any government or other official authority during the period of insurance.
d Your property being held, taken, destroyed or damaged under the order of any government or customs officials.
e Winter sports:
Single Trip cover - unless the extra premium has been paid and this is shown on the policy schedule.
Annual Multi-Trip cover - for more than 31 days during the period of insurance (you are not covered if you have opted to exclude this cover and this is shown on your policy schedule.
f Ionising radiation or radioactive contamination from nuclear fuel or nuclear waste or any risk from nuclear equipment.
g Any currency exchange rate changes.
h The failure or fear of failure or inability of any equipment or any computer program, whether or not you own it, to recognise or correctly interpret or process any date as the true or correct date, or to continue to function correctly beyond that date (except under sections 5 and 6).
2 Any loss caused as a direct or indirect result of anything you are claiming for, unless it says differently in the policy.
3 The excess is limited to £100, where one claim relates to two or more members of the same family covered by this policy and living at the same address, or where one incident results in each insured person claiming under two or more sections (except under sections 2, 4, 6 and 8).
Single Trip cover
4 Any part of a journey over 31, 60 or 90 days depending on the level of cover you have chosen.
Annual Multi-Trip cover
5 Any journey in the United Kingdom for less than three days, unless your journey involves a sea crossing.
6 Any journey in the United Kingdom, unless accommodation has been pre-booked.
7 Any part of a journey over 90 days (or over 60 days if this is shown on your policy schedule).

General exclusions
1 We will not cover you for any loss, injury, damage, illness, death or legal liability arising directly or indirectly from or consisting of the following
h The failure or fear of failure or inability of any equipment or any computer program, whether or not you own it, to recognise or correctly interpret or process any date as the true or correct date, or to continue to function correctly beyond that date (except under sections 5 and 6).

Conditions
We will act in good faith in all our dealings with you.
We will only pay your claim if you meet the following conditions
1 You are a resident of the United Kingdom.
2 You take reasonable care to protect yourself and your property against accident, injury, loss and damage.
3 You have a valid policy schedule.
4 You get a medical certificate from the doctor who treated you when a claim is made for medical reasons. If you die, we need to see the death certificate, and any other necessary documents.
5 You write to us as soon as reasonably possible with full details of anything which may result in a claim.
6 You send us every writ, summons or other communication to do with a claim as soon as possible after you get it.
7 You give us all the information, documents, evidence, vouchers, receipts and bills we need (including details of your household insurance under which your valuables may need to be insured separately depending on their value). You must do this at your own expense.
8 You do not admit liability or offer to pay any claim unless you have our written permission.
9 You accept that no alterations to the cover and conditions of the policy apply, unless we or the Travel Unit confirm them in writing. Single Trip cover
10 You accept that we may not extend the period of cover for a journey if the original policy plus any extensions have either ended, been in force for 90 days or you know you will be making a claim.
11 You accept that when booking a one-way trip:
- we will not give curtailment cover;
- medical emergency, repatriation and associated expenses will only cover fees or charges run up within the first 17 days of arriving at your final destination; or
- repatriation, if necessary, would be to the United Kingdom only.
Annual Multi-Trip cover
12 You are not 81 or over at the start date of the policy.
13 All dependent children must be travelling with, joining or returning from an adult insured under the same policy schedule number.
14 You accept that we will not extend the period of cover, all cover ends 12 months after the start date.
The following conditions apply to claims under sections 1 and 5
1 You will not be covered if you have ever received treatment for a heart related condition, breathing problem, cancer or any other disease, unless we agree before the start date of your policy.
2 If you have a medical condition, you must tell us about any changes in your medical condition before you travel. We can stop providing cover before you travel if your health or the health of anyone on whom the
journey or one-way trip depends, changes after the start date of your policy.
3 You will not be covered if you travel against the advice of your doctor.
4 If you make a claim, you would need to get your doctor to confirm in writing that at the start date of your policy and the date your travel tickets or confirmation of booking were issued your condition was stable and that you were fit to travel and there was no sign that your condition would get worse.
5 You will not be covered if you know you will need medical treatment while you are away, unless we agree in writing.
6 You will not be covered if you travel specifically to get medical treatment while you are away.
7 You will not be covered if, before your policy was issued, a doctor diagnosed that you have a terminal condition.
8 You will not be covered if, at the time of buying this insurance you were receiving in-patient treatment or were on a waiting list for in-patient treatment at the start date of your policy and/or the date your travel tickets or confirmation of booking were issued.
9 You will not be covered if you suffer from any diagnosed psychiatric disorder, unless we agree in writing.
The following conditions apply to claims under section 7
1 You must keep all your tickets and luggage tags.
2 You must get an estimate for repair for all damage claims. If possible, you should keep the damaged items so that we can inspect them and if we make a payment or we replace an item, the item will then belong to us.
3 If something is lost or stolen, you must tell the police as soon as possible but within 24 hours of discovering the loss and get a report from them. You should also get a report from your tour operators
representative or your hotel or apartment manager if this is appropriate.
If the loss or theft happens while you are travelling, you must tell the carriers and get a Property Irregularity Report form from them.
4 You must keep to the carrier's conditions of carriage.
5 You must not abandon any property.
We have the right to do the following
1 Cancel the policy and make no payment if you make a fraudulent claim.
2 Only cover you for the whole of your journey or one-way trip and not issue a policy if you have started your journey or one-way trip.
3 Take over and deal with, in your name, any claim you make under this policy.
4 Take legal action in your name (but at our expense) and ask you to give us details and fill in any forms (including Department of Social Security forms) which will help us to recover any payment we have made under this policy.
5 Get information from your medical records (with your permission) to help us or our representatives deal with any claim. We will not give personal information about you to any other person or organisation without
your specific agreement.
6 Send you home at any time during your journey or one-way trip if you are taken ill or injured.We will only do this if the doctor treating you and the emergency assistance company doctor agree. If there
is a dispute, we will ask for an independent medical opinion.
7 Not accept liability if you refuse to be repatriated.
8 Refuse to give you any refund of your premium or transfer the premium, unless you find that the cover and conditions of the policy do not meet your needs and providing you have not travelled or made a claim. In
this case, return the policy and policy schedule to where your policy was issued within 14 days and we will consider a refund.
9 Not to pay any claim on this policy (except under section 6) for any amounts you can get back from someone or somewhere else or anything which is covered by another insurance policy.
Single Trip cover
10 If your journey or one-way trip is cancelled or cut short we will cancel this policy without refunding your premium. Annual Multi-Trip cover
11 If you cancel or cut short a journey we will cancel the cover given on this policy for that journey.
12 Not to automatically pay any claim on this policy when other travel insurance has been bought for a particular journey.
We may change the terms of the cover and amount you have to pay under this plan at any time by sending you written notice of those changes to your last known address at least 30 days before the date those changes will apply.