Halifax Travel Insurance

You must declare all medical conditions:
To make sure your policy fully covers you for your trip ,it is important you tell us about any medical condition affecting the health of the people travelling,or a relative or colleague upon whose state of health a decision by you to cancel or cut short a trip may depend. We will assess the condition and confirm whether your policy can be extended to cover claims for that particular condition.
Please call the Customer Helpline on page 39 if you or your travelling companion:
Have during the last year:
- stayed in hospital, had surgery or seen a Specialist or Consultant
- had,or are waiting for, any medical or blood tests
- been prescribed medication for the treatment of a blood pressure problem and/or diabetes Have ever:
- had a stroke, heart attack or a heart related condition including angina
- been diagnosed with, or treated for, any malignant condition or any type of cancer
- been treated for a breathing condition
- been aware of any condition that could reasonably be expected to affect your or their health during the insurance period If we extend the cover under your policy to
include any pre-existing medical conditions, this will be shown on your Policy Schedule. This will confirm the new terms under which cover is provided and must be produced should you make a claim, so please keep it in a safe place.
We reserve the right not to extend the cover under your policy.

Section 1: Medical Emergency and Repatriation Expenses
This section of your policy explains the cover we provide for medical emergency and repatriation expenses whilst on your trip. Words with special meanings are printed in bold type and can be found on pages 15 and 16.
What IS covered:
1. reasonable and necessary medical and hospital expenses, including the cost of the rescue service to take you to hospital; and
2. returning you to the UK provided this is authorised by us or the Emergency Medical Assistance Helpline; and
3. reasonable travel and room only accommodation expenses for a travelling companion or resident in the UK to stay with you and travel home with you if this is
authorised by us or the Emergency Medical Assistance Helpline; and
4. funeral expenses abroad or the cost of transporting your body or ashes to your home
We will pay you up to £10,000,000:
- if you go into hospital or require any medical assistance; and/or
- if you have to return home early or extend your trip; or
- for reasonable and necessary funeral expenses abroad; or
- for transporting your body or ashes back to your home;
We will pay you up to £500 if:
- you require emergency dental treatment for the immediate relief of pain
We will pay you £50 per day (up to a maximum of £1,000) as a:
- benefit for every complete 24 hour period you are in hospital or confined to your trip accommodation
We will pay you £10 for every 24 hour period:
- towards meal expenses for the nominated person who stays/travels with you
Please note we may instruct you to return home if our medical advisers and the medical practitioner treating you decide that you are fit to travel.
What IS NOT covered:
- the excess (unless the appropriate additional premium for excess waiver has been paid and is shown on your Policy Schedule or when using an EHIC)
- the cost of any treatment or surgery (including exploratory tests)in the UK (except for trips to the Channel Islands, where NHS treatment is not available)
- the cost of any medication or drugs which at the start of your trip you know you will need
- the cost of any treatment or surgery (including exploratory tests) which is not directly related to the illness or injury for which you went into a hospital or clinic abroad
- the cost of any treatment or surgery (including exploratory tests) which is as a result of your participation in a winter sports activity (unless you have paid the additional Winter Sports premium and this is shown on your Policy Schedule)
- any extra costs as a result of you arranging single or private room accommodation at a hospital, clinic or nursing home, except where this is necessary for your treatment and approved by the Emergency Medical Assistance Helpline in advance
- any provision of dentures, false limbs, hearing aids, contact or corneal lenses or prescription spectacles
- any in-patient, hospital, clinic or repatriation expenses in excess of £500 which have not been reported to and authorised by the Emergency Medical Assistance Helpline in advance
- the cost of any treatment, surgery (including exploratory tests), cosmetic or elective surgery which, in the opinion of the medical practitioner treating you or the Emergency Medical Assistance Helpline can reasonably be delayed until you return home
- any taxi fares or other transport costs incurred in obtaining medical treatment, unless the taxi was used for emergency ambulance purposes only
- any food, drinks, toiletries and faxes or phone calls other than to the Emergency Medical Assistance Helpline telling them about the problem and for which you can provide a receipt or other evidence to show the cost of the call and the number dialled
- any expenses that arise after we have instructed you to return home if our medical advisers and the medical practitioner treating you decide you are fit to travel
- any expenses that arise after 12 months of treatment
- anything specifically excluded under the General exclusions section of your policy on page 37

Section 3: Personal Accident
This section of your policy explains the cover we provide for a personal accident whilst on your trip. Words with special meanings are printed in bold type and can be found on pages 15 and 16.
What IS covered:
1. permanent total disablement as a result of an accident; or
2. permanent loss of or loss of use of one or more limbs as a result of an accident; or
3. permanent and complete loss of all sight in one or both eyes as a result of an accident; or
4. death as a result of an accident
We will pay you £25,000 (limited to £2,500 if you are under the age of 16 years or over the age of 64 years at the time of the accident ) for your:
- permanent total disablement as a result of an accident; or
- permanent loss of or loss of use of one or more limbs as a result of an accident; or
- permanent and complete loss of all sight in one or both eyes as a result of an accident
We will pay your legal personal representative(s) £10,000 (limited to £2,500 if you are under the age of 16 years or over the age of 64 years at the time of the accident) for your:
- death as a result of an accident
Please note the maximum amount of all benefits we will pay under this section for one or more accidents sustained by you shall not exceed £25,000.
What IS NOT covered:
- any claim which does not occur within 12 months of the accident
- any claim as a result of a business trip within the UK unless you are travelling as a fare paying passenger on public transport
- anything specifically excluded under the General exclusions section of your policy on page 37

Section 1: Medical Emergency and Repatriation Expenses
This section of your policy explains the cover we provide for medical emergency and repatriation expenses whilst on your trip. Words with special meanings are printed in bold type and can be found on pages 15 and 16.
What IS covered:
We will pay you £50 per day (up to a maximum of £1,000)as a:
- benefit for every complete 24 hour period you are in hospital or confined to your trip accommodation

Section 1: Medical Emergency and Repatriation Expenses
This section of your policy explains the cover we provide for medical emergency and repatriation expenses whilst on your trip. Words with special meanings are printed in bold type and can be found on pages 15 and 16.
What IS covered:
We will pay you up to £500 if:
- you require emergency dental treatment for the immediate relief of pain

Section 1: Medical Emergency and Repatriation Expenses
This section of your policy explains the cover we provide for medical emergency and repatriation expenses whilst on your trip. Words with special meanings are printed in bold type and can be found on pages 15 and 16.
What IS covered:
1. reasonable and necessary medical and hospital expenses, including the cost of the rescue service to take you to hospital; and
2. returning you to the UK provided this is authorised by us or the Emergency Medical Assistance Helpline; and
3. reasonable travel and room only accommodation expenses for a travelling companion or resident in the UK to stay with you and travel home with you if this is
authorised by us or the Emergency Medical Assistance Helpline; and
4. funeral expenses abroad or the cost of transporting your body or ashes to your home

Section 1: Medical Emergency and Repatriation Expenses
This section of your policy explains the cover we provide for medical emergency and repatriation expenses whilst on your trip. Words with special meanings are printed in bold type and can be found on pages 15 and 16.
What IS covered:
1. reasonable and necessary medical and hospital expenses, including the cost of the rescue service to take you to hospital; and
2. returning you to the UK provided this is authorised by us or the Emergency Medical Assistance Helpline; and
3. reasonable travel and room only accommodation expenses for a travelling companion or resident in the UK to stay with you and travel home with you if this is
authorised by us or the Emergency Medical Assistance Helpline; and
4. funeral expenses abroad or the cost of transporting your body or ashes to your home

Section 10: Personal Money
This section only applies if you have chosen to include this cover and this is shown on your Policy Schedule.
This section of your policy explains the cover we provide for your personal money whilst on your trip.
Words with special meanings are printed in bold type and can be found on pages 15 and 16.
What IS covered:
1. loss or theft of your personal money We will pay you up to £500 to:
- reimburse your personal money We agree to provide the cover in this section as long as:
- you have taken reasonable care in protecting your personal money and documents against loss,theft or damage;and
- you have notified the Police within 24 hours of discovery and obtained a written report from them and enclose this with your claim form
What IS NOT covered:
- the excess (unless the appropriate additional premium for excess waiver has been paid and is shown on your Policy Schedule)
- any claim over £300 (£50 in respect of children under the age of 16 years) for cash
- any loss or theft of your personal money that is not on your person or not deposited in a safe or safety deposit box, or similar locked fixed receptacle in your trip accommodation
- any personal money packed in a suitcase or other similar personal baggage or in containers which are out of sight and out of personal control where you are not in a position to prevent unauthorised interference with your property
- any loss or damage arising from confiscation or detention by Customs or other officials
- any depreciation in value, currency changes or shortage caused by any error or omission
- anything specifically excluded under the General exclusions section of your policy on page 37

Section 7: Legal Advice and Expenses
This section of your policy explains the cover we provide for legal advice and expenses whilst on your trip. Words with special meaning are printed in bold type and can be found on pages 15,16 and this page.
Legal Advice and Expenses words with special meanings
The words set out below only apply to this section of the policy:
Costs and Expenses
a) Legal costs - All reasonable and necessary costs chargeable by the representative on a standard basis
b) Opponents costs --Costs incurred by opponents in civil cases
Date of Occurrence
The date of the event which may lead to a claim.
If there is more than one event arising at different times from the same cause, the date of occurrence is the date of the first of these events.
Representative
The lawyer or other suitably qualified person who has been appointed by us to act for you in accordance with the terms of this section.
What IS covered:
1. reasonable and necessary costs and expenses to claim against a third party who causes the death of or injury to you ;and
2. confidential free legal advice over the phone on any personal legal problem, if the incident occurs in or under the laws of the member countries of the European Union, the Isle of Man, the Channel Islands,Norway and Switzerland
We will pay you up to £25,000 for:
- reasonable and necessary costs and expenses We agree to provide the cover in this section as long as:
- any legal proceedings will be dealt with by the court or other body which we agree to in the territorial limit; and
- for civil claims it is always more likely than not that you will recover damages (or other legal remedy which we have agreed to) or make a successful defence
What IS NOT covered:
- the excess
- any claim as a result of death or injury which develops gradually or is not caused by an accident
- defending your legal rights (however defending a counter-claim is covered)
- any claim reported to us more than 180 days after you should have known about the insured incident
- any fines, penalties, compensation or damages which you are ordered to pay by a court or other authority
- any claim as a result of an incident intentionally brought about by you
- any claim as a result of your alleged dishonesty or alleged violent behaviour
- any costs and expenses that are incurred where we agree a contingency fee arrangement with the representative
- any claim as a result of you driving a motor vehicle for which you do not have valid motor insurance
- any claim against a travel agent,tour operator, carrier,us ,the insurers or their agents any cost and expenses incurred before our written acceptance of the claim
- any claim as a result of written or verbal remarks which damage your reputation
- any application for Judicial Review
- any legal action that you take which we or the representative have not agreed to or where you do anything that hinders us or the representative
- any claim as a result of deep vein thrombosis or its symptoms that result from you travelling by air
- any claim against a relative
- any claim where the General conditions applying to section 7:Legal Advice and Expenses have not been followed
- anything specifically excluded under the General exclusions section of your policy on page 37
General conditions applying to section 7:Legal Advice and Expenses:
1. You must:
a) take reasonable steps to keep any amount we have to pay as low as possible; and
b) send everything we ask for in writing; and
c) give us full details in writing of any claim as soon as possible and give us any information we need
2. a) We can take over and conduct in your name any claim or legal proceedings at any time; and
b) We can negotiate any claim on your behalf; and
c) You are free to choose a representative (by sending us a suitably qualified persons name and address) if:
i) we agree to start court proceedings and it becomes necessary for a lawyer to represent your interests in those proceedings; or
ii) there is a conflict of interest We may choose not to accept your choice, but only in exceptional circumstances.If there is a disagreement over the choice of representative in these circumstances, you may choose another suitably qualified person
d) In all circumstances except those in 2 c) above, we are free to choose a representative) Any representative will be appointed by us to represent you according to our standard terms of appointment. The representative must co-operate fully with us at all times
f) We will have direct contact with the representative
g) You must co-operate fully with us and the representative and must keep us up to date with the progress of the claim
h) You must give the representative any instructions that we require
3. a) You must tell us if anyone offers to settle a claim
b) If you do not accept a reasonable offer to settle a claim, we may refuse to pay further costs and expenses
c) We may decide to pay you the amount of damages that you are claiming, or which is being claimed against you, instead of starting or continuing legal proceedings
4.a) You must tell the representative to have costs and expenses taxed, assessed or audited, if we ask for this
b) You must take every step to recover costs and expenses that we have to pay, and must pay us any costs and expenses that are recovered
5. If the representative refuses to continue acting for you with good reason or if you dismiss the representative without good reason,the cover we provide will end at
once,unless we agree to appoint another representative
6.If you settle a claim or withdraw it without our agreement,or do not give suitable instructions to a representative,the cover we provide will end at once and we will be entitled to reclaim any costs and expenses we have paid
7.If we and you disagree about the choice of representative,or about the handling of a claim,we and you can choose another suitably qualified person to decide the
matter.We must both agree to the choice of this person in writing.Failing this,we will ask the president of a relevant national law society to choose a suitably qualified person All costs of resolving the disagreement must be paid by the party whose argument is rejected
8.We may,at our discretion,require you to obtain,at your expense,an opinion from a lawyer or other suitably qualified person chosen by you and us,as to the merits of a claim or proceedings.If the chosen person s opinion indicates that it is more likely than not that you will recover damages (or obtain any other legal remedy that we have agreed to)or make a successful defence, we will pay the cost of obtaining the opinion
9.We will not pay any claim covered under any other policy,or any claim that would have been covered by any other policy if this policy did not exist
10.All Acts of Parliament mentioned in your policy include equivalent laws in Scotland, Northern Ireland, the Isle of Man and the Channel Islands as the case may be

Section 6: Loss of Important Documents
This section of your policy explains the cover we provide for lost or stolen important documents whilst on your trip. Words with special meanings are printed in bold type and can be found on pages 15 and 16.
What IS covered:
1. loss or theft of your passport; and
2. loss or theft of your driving licence; and
3. loss or theft of your travel documents
We will pay you up to £600 for:
- a temporary replacement passport whilst on your trip; and
- a replacement passport when you are back in the UK; and
- the replacement or restoration of your driving licence and travel documents listed above;and
- your reasonable travel and accommodation expenses in obtaining replacement documents whilst on your trip
What IS NOT covered:
- the excess (unless the appropriate additional premium for excess waiver has been paid and is shown on your Policy Schedule)
- any claim for the loss or theft of items that are not kept on your person or not deposited in a safe or safety deposit box,or similar locked fixed receptacle in your trip accommodation
- any claim for items packed in suitcases or other similar personal baggage or in containers, which are out of sight and out of personal control where you are not in a position to prevent unauthorised interference with your property
- any claim for the loss of your passport not reported to the Police and the Consular Representative of the relevant issuing country within 24 hours of discovery and a written report is not obtained from them
- any claim for the loss of your driving licence or travel documents not reported to the Police within 24 hours of discovery and a written report is not obtained from them
- any claim for loss or damage arising from confiscation or detention by Customs or other officials
- anything specifically excluded under the General exclusions section of your policy on page 37

Section 6: Loss of Important Documents
This section of your policy explains the cover we provide for lost or stolen important documents whilst on your trip. Words with special meanings are printed in bold type and can be found on pages 15 and 16.
What IS covered:
1. loss or theft of your passport; and
2. loss or theft of your driving licence; and
3. loss or theft of your travel documents
We will pay you up to £600 for:
- a temporary replacement passport whilst on your trip; and
- a replacement passport when you are back in the UK; and
- the replacement or restoration of your driving licence and travel documents listed above;and
- your reasonable travel and accommodation expenses in obtaining replacement documents whilst on your trip
What IS NOT covered:
- the excess (unless the appropriate additional premium for excess waiver has been paid and is shown on your Policy Schedule)
- any claim for the loss or theft of items that are not kept on your person or not deposited in a safe or safety deposit box,or similar locked fixed receptacle in your trip accommodation
- any claim for items packed in suitcases or other similar personal baggage or in containers, which are out of sight and out of personal control where you are not in a position to prevent unauthorised interference with your property
- any claim for the loss of your passport not reported to the Police and the Consular Representative of the relevant issuing country within 24 hours of discovery and a written report is not obtained from them
- any claim for the loss of your driving licence or travel documents not reported to the Police within 24 hours of discovery and a written report is not obtained from them
- any claim for loss or damage arising from confiscation or detention by Customs or other officials
- anything specifically excluded under the General exclusions section of your policy on page 37

Section 8: Mugging Benefit
This section of your policy explains the cover we provide if you are hospitalised as a result of a mugging whilst on your trip. Words with special meanings are printed in bold type and can be found on pages 15 and 16.
What IS covered:
1. your hospital admittance as a result of mugging We will pay you £50 (up to a maximum of £1,000) as a:
- benefit for every complete 24 hour period you are in hospital
What IS NOT covered:
- any claim if you do not obtain a Police report of the mugging and confirmation of your injuries and period of in-patient treatment from the hospital
- anything specifically excluded under the General exclusions section of your policy on page 37

Section 11 Winter Sports
This section only applies if you have chosen to include this cover and this is shown on your Policy Schedule. If you are participating in a winter sports trip you must take out this section of cover in order to claim against any section of your policy.
This section of your policy explains the cover we provide for winter sports whilst on your trip.
Words with special meanings are printed in bold type and can be found on pages 15 and 16. In this section of your policy we/us/our means St Andrew's Insurance plc.
Cover is provided under this section (up to a maximum of 24 days in total during the insurance period if you have multi trip insurance or for the trip duration if you have single trip insurance) whilst you are on a trip which includes skiing, snowboarding, or participating in any snow or ice activities including off-piste skiing (provided you are accompanied by a qualified ski instructor who holds the appropriate liability insurance and that there are no avalanche warnings current).

Section 11 Winter Sports
What IS covered:
We will pay you up to £500 (£100 if winter sports equipment is hired) to:
- replace, reinstate or repair your winter sports equipment
Claims will be considered on a new for old basis provided the item is less than 2 years old at the date of the incident and you are able to provide the original purchase receipt. All other items will be subject to a suitable deduction for wear and tear and depreciation or we may at our option replace, reinstate or repair the lost, stolen or
damaged winter sports equipment. Please note we may not pay your claim if you are unable to provide any original receipts, proofs of purchase or insurance valuations (issued before the loss, theft or damage).You must retain all damaged items for inspection, if required.
We will pay you £20 per day (up to a maximum of £300) for:
- your hire of winter sports equipment in relation to points 2 and 3 above
We will pay you up to £200 per 7 day period (up to a maximum of £400) to:
- reimburse you the proportionate value of any unused ski pack in relation to points 4 and 5 above We will pay you £30 per day (up to a maximum of £300):
- as a benefit in relation to point 6 above; or
- towards transportation costs to travel to an alternative site in relation to point 6 above
What IS NOT covered:
- the excess (unless the appropriate additional premium for excess waiver has been paid and is shown on your Policy Schedule)
- any claim as a result of participation in off-piste skiing whereby you are not accompanied by a qualified ski instructor who holds the appropriate liability insurance
- any claim as a result of participation in winter sports activities when avalanche warnings are current
- any claim as a result of participation in winter sports activities undertaken in the UK and in Europe outside the period from 15th December to 15th April in relation to point 6
- any loss or theft of or damage to your winter sports equipment whilst in use any loss of or damage to your winter sports equipment arising from confiscation or
detention by Customs or other officials
- any loss of or damage to your winter sports equipment caused by normal wear and tear, gradual deterioration or mechanical or electrical breakdown, decay, moth, vermin, atmospheric or climatic conditions
- any loss or theft of or damage to your winter sports equipment whilst in the custody of an airline or other carrier unless you report it immediately on discovery to the carrier and get a written report. In the case of an airline you will need a Property Irregularity Report (PIR)
- any loss or theft of your winter sports equipment or ski pass that you do not report to the Police within 24 hours of discovery and for which you do not get a written report from them
- any loss or theft of your winter sports equipment or ski pass left out of sight and out of personal control in public places where you are not in a position to prevent unauthorised interference with your property e.g.station, airport,restaurant etc.
- any loss or theft of your winter sports equipment or ski pass from an unattended vehicle unless between the hours of 09:00 and 21:00 whereby your winter sports equipment was secured within a purpose built and locked container fastened to the exterior of the vehicle and following physical evidence of forcible entry and reported to the Police within 24 hours of discovery and a written report is obtained from them
- any loss or theft of your winter sports equipment or ski pass left in the custody of a person who does not have official responsibility for the safekeeping of the property
- any claim that is not confirmed as medically necessary by the Emergency Medical Assistance Helpline and where a medical certificate has not been obtained from the attending medical practitioner confirming that you are unable to ski and unable to use the ski pack facilities
- any claim as a result of piste closure which is not substantiated by a report from the resort management or your tour operator
- any claim as a result of piste closure which was known to you on or before the date your Policy Schedule is issued or on or before the date you booked your trip , whichever is earlier
- anything specifically excluded under the General exclusions section of your policy on page 37

Section 11 Winter Sports
What IS covered:
We will pay you up to £500 (£100 if winter sports equipment is hired) to:
- replace, reinstate or repair your winter sports equipment
Claims will be considered on a new for old basis provided the item is less than 2 years old at the date of the incident and you are able to provide the original purchase receipt. All other items will be subject to a suitable deduction for wear and tear and depreciation or we may at our option replace, reinstate or repair the lost, stolen or
damaged winter sports equipment. Please note we may not pay your claim if you are unable to provide any original receipts, proofs of purchase or insurance valuations (issued before the loss, theft or damage).You must retain all damaged items for inspection, if required.
What IS NOT covered:
- the excess (unless the appropriate additional premium for excess waiver has been paid and is shown on your Policy Schedule)
- any claim as a result of participation in off-piste skiing whereby you are not accompanied by a qualified ski instructor who holds the appropriate liability insurance
- any claim as a result of participation in winter sports activities when avalanche warnings are current
- any claim as a result of participation in winter sports activities undertaken in the UK and in Europe outside the period from 15th December to 15th April in relation to point 6
- any loss or theft of or damage to your winter sports equipment whilst in use any loss of or damage to your winter sports equipment arising from confiscation or
detention by Customs or other officials
- any loss of or damage to your winter sports equipment caused by normal wear and tear, gradual deterioration or mechanical or electrical breakdown, decay, moth, vermin, atmospheric or climatic conditions
- any loss or theft of or damage to your winter sports equipment whilst in the custody of an airline or other carrier unless you report it immediately on discovery to the carrier and get a written report. In the case of an airline you will need a Property Irregularity Report (PIR)
- any loss or theft of your winter sports equipment or ski pass that you do not report to the Police within 24 hours of discovery and for which you do not get a written report from them
- any loss or theft of your winter sports equipment or ski pass left out of sight and out of personal control in public places where you are not in a position to prevent unauthorised interference with your property e.g.station, airport,restaurant etc.
- any loss or theft of your winter sports equipment or ski pass from an unattended vehicle unless between the hours of 09:00 and 21:00 whereby your winter sports equipment was secured within a purpose built and locked container fastened to the exterior of the vehicle and following physical evidence of forcible entry and reported to the Police within 24 hours of discovery and a written report is obtained from them
- any loss or theft of your winter sports equipment or ski pass left in the custody of a person who does not have official responsibility for the safekeeping of the property
- any claim that is not confirmed as medically necessary by the Emergency Medical Assistance Helpline and where a medical certificate has not been obtained from the attending medical practitioner confirming that you are unable to ski and unable to use the ski pack facilities
- any claim as a result of piste closure which is not substantiated by a report from the resort management or your tour operator
- any claim as a result of piste closure which was known to you on or before the date your Policy Schedule is issued or on or before the date you booked your trip , whichever is earlier
- anything specifically excluded under the General exclusions section of your policy on page 37

Section 11 Winter Sports
What IS covered:
We will pay you up to £500 (£100 if winter sports equipment is hired) to:
- replace, reinstate or repair your winter sports equipment
Claims will be considered on a new for old basis provided the item is less than 2 years old at the date of the incident and you are able to provide the original purchase receipt. All other items will be subject to a suitable deduction for wear and tear and depreciation or we may at our option replace, reinstate or repair the lost, stolen or
damaged winter sports equipment. Please note we may not pay your claim if you are unable to provide any original receipts, proofs of purchase or insurance valuations (issued before the loss, theft or damage).You must retain all damaged items for inspection, if required.
What IS NOT covered:
- the excess (unless the appropriate additional premium for excess waiver has been paid and is shown on your Policy Schedule)
- any claim as a result of participation in off-piste skiing whereby you are not accompanied by a qualified ski instructor who holds the appropriate liability insurance
- any claim as a result of participation in winter sports activities when avalanche warnings are current
- any claim as a result of participation in winter sports activities undertaken in the UK and in Europe outside the period from 15th December to 15th April in relation to point 6
- any loss or theft of or damage to your winter sports equipment whilst in use any loss of or damage to your winter sports equipment arising from confiscation or
detention by Customs or other officials
- any loss of or damage to your winter sports equipment caused by normal wear and tear, gradual deterioration or mechanical or electrical breakdown, decay, moth, vermin, atmospheric or climatic conditions
- any loss or theft of or damage to your winter sports equipment whilst in the custody of an airline or other carrier unless you report it immediately on discovery to the carrier and get a written report. In the case of an airline you will need a Property Irregularity Report (PIR)
- any loss or theft of your winter sports equipment or ski pass that you do not report to the Police within 24 hours of discovery and for which you do not get a written report from them
- any loss or theft of your winter sports equipment or ski pass left out of sight and out of personal control in public places where you are not in a position to prevent unauthorised interference with your property e.g.station, airport,restaurant etc.
- any loss or theft of your winter sports equipment or ski pass from an unattended vehicle unless between the hours of 09:00 and 21:00 whereby your winter sports equipment was secured within a purpose built and locked container fastened to the exterior of the vehicle and following physical evidence of forcible entry and reported to the Police within 24 hours of discovery and a written report is obtained from them
- any loss or theft of your winter sports equipment or ski pass left in the custody of a person who does not have official responsibility for the safekeeping of the property
- any claim that is not confirmed as medically necessary by the Emergency Medical Assistance Helpline and where a medical certificate has not been obtained from the attending medical practitioner confirming that you are unable to ski and unable to use the ski pack facilities
- any claim as a result of piste closure which is not substantiated by a report from the resort management or your tour operator
- any claim as a result of piste closure which was known to you on or before the date your Policy Schedule is issued or on or before the date you booked your trip , whichever is earlier
- anything specifically excluded under the General exclusions section of your policy on page 37

Section 11 Winter Sports
What IS covered:
1. loss or theft of or damage to your winter sports equipment; and
2. your hire of winter sports equipment if required as a result of point 1 above; and
3. your hire of winter sports equipment if required as a result of the misdirection or delay on your outward journey of your winter sports equipment for more than 12 hours; and
4. reimbursement of any unused ski pack, ski hire or tuition fees as a result of your accident or sickness; and
5. loss or theft of your ski pass; and
6. piste closure, if you are unable to ski for a continuous period in excess of 12 hours as a result of:
- lack of snowfall
- excessive snowfall
- bad weather
We will pay you up to £200 per 7 day period (up to a maximum of £400) to:
- reimburse you the proportionate value of any unused Ski Pack in relation to points 4 and 5 above
- replace, reinstate or repair your winter sports equipment
Claims will be considered on a new for old basis provided the item is less than 2 years old at the date of the incident and you are able to provide the original purchase receipt. All other items will be subject to a suitable deduction for wear and tear and depreciation or we may at our option replace, reinstate or repair the lost, stolen or
damaged winter sports equipment. Please note we may not pay your claim if you are unable to provide any original receipts, proofs of purchase or insurance valuations (issued before the loss, theft or damage).You must retain all damaged items for inspection, if required.
We will pay you £20 per day (up to a maximum of £300) for:
- your hire of winter sports equipment in relation to points 2 and 3 above
We will pay you up to £200 per 7 day period (up to a maximum of £400) to:
- reimburse you the proportionate value of any unused ski pack in relation to points 4 and 5 above We will pay you £30 per day (up to a maximum of £300):
- as a benefit in relation to point 6 above; or
- towards transportation costs to travel to an alternative site in relation to point 6 above
What IS NOT covered:
- the excess (unless the appropriate additional premium for excess waiver has been paid and is shown on your Policy Schedule)
- any claim as a result of participation in off-piste skiing whereby you are not accompanied by a qualified ski instructor who holds the appropriate liability insurance
- any claim as a result of participation in winter sports activities when avalanche warnings are current
- any claim as a result of participation in winter sports activities undertaken in the UK and in Europe outside the period from 15th December to 15th April in relation to point 6
- any loss or theft of or damage to your winter sports equipment whilst in use any loss of or damage to your winter sports equipment arising from confiscation or
detention by Customs or other officials
- any loss of or damage to your winter sports equipment caused by normal wear and tear, gradual deterioration or mechanical or electrical breakdown, decay, moth, vermin, atmospheric or climatic conditions
- any loss or theft of or damage to your winter sports equipment whilst in the custody of an airline or other carrier unless you report it immediately on discovery to the carrier and get a written report. In the case of an airline you will need a Property Irregularity Report (PIR)
- any loss or theft of your winter sports equipment or ski pass that you do not report to the Police within 24 hours of discovery and for which you do not get a written report from them
- any loss or theft of your winter sports equipment or ski pass left out of sight and out of personal control in public places where you are not in a position to prevent unauthorised interference with your property e.g.station, airport,restaurant etc.
- any loss or theft of your winter sports equipment or ski pass from an unattended vehicle unless between the hours of 09:00 and 21:00 whereby your winter sports equipment was secured within a purpose built and locked container fastened to the exterior of the vehicle and following physical evidence of forcible entry and reported to the Police within 24 hours of discovery and a written report is obtained from them
- any loss or theft of your winter sports equipment or ski pass left in the custody of a person who does not have official responsibility for the safekeeping of the property
- any claim that is not confirmed as medically necessary by the Emergency Medical Assistance Helpline and where a medical certificate has not been obtained from the attending medical practitioner confirming that you are unable to ski and unable to use the ski pack facilities
- any claim as a result of piste closure which is not substantiated by a report from the resort management or your tour operator
- any claim as a result of piste closure which was known to you on or before the date your Policy Schedule is issued or on or before the date you booked your trip , whichever is earlier
- anything specifically excluded under the General exclusions section of your policy on page 37

Section 11 Winter Sports
What IS covered:
1. loss or theft of or damage to your winter sports equipment; and
2. your hire of winter sports equipment if required as a result of point 1 above; and
3. your hire of winter sports equipment if required as a result of the misdirection or delay on your outward journey of your winter sports equipment for more than 12 hours; and
4. reimbursement of any unused ski pack, ski hire or tuition fees as a result of your accident or sickness; and
5. loss or theft of your ski pass; and
6. piste closure, if you are unable to ski for a continuous period in excess of 12 hours as a result of:
- lack of snowfall
- excessive snowfall
- bad weather
We will pay you up to £200 per 7 day period (up to a maximum of £400) to:
- reimburse you the proportionate value of any unused Ski Pack in relation to points 4 and 5 above
- replace, reinstate or repair your winter sports equipment
Claims will be considered on a new for old basis provided the item is less than 2 years old at the date of the incident and you are able to provide the original purchase receipt. All other items will be subject to a suitable deduction for wear and tear and depreciation or we may at our option replace, reinstate or repair the lost, stolen or
damaged winter sports equipment. Please note we may not pay your claim if you are unable to provide any original receipts, proofs of purchase or insurance valuations (issued before the loss, theft or damage).You must retain all damaged items for inspection, if required.
We will pay you £20 per day (up to a maximum of £300) for:
- your hire of winter sports equipment in relation to points 2 and 3 above
We will pay you up to £200 per 7 day period (up to a maximum of £400) to:
- reimburse you the proportionate value of any unused ski pack in relation to points 4 and 5 above We will pay you £30 per day (up to a maximum of £300):
- as a benefit in relation to point 6 above; or
- towards transportation costs to travel to an alternative site in relation to point 6 above
What IS NOT covered:
- the excess (unless the appropriate additional premium for excess waiver has been paid and is shown on your Policy Schedule)
- any claim as a result of participation in off-piste skiing whereby you are not accompanied by a qualified ski instructor who holds the appropriate liability insurance
- any claim as a result of participation in winter sports activities when avalanche warnings are current
- any claim as a result of participation in winter sports activities undertaken in the UK and in Europe outside the period from 15th December to 15th April in relation to point 6
- any loss or theft of or damage to your winter sports equipment whilst in use any loss of or damage to your winter sports equipment arising from confiscation or
detention by Customs or other officials
- any loss of or damage to your winter sports equipment caused by normal wear and tear, gradual deterioration or mechanical or electrical breakdown, decay, moth, vermin, atmospheric or climatic conditions
- any loss or theft of or damage to your winter sports equipment whilst in the custody of an airline or other carrier unless you report it immediately on discovery to the carrier and get a written report. In the case of an airline you will need a Property Irregularity Report (PIR)
- any loss or theft of your winter sports equipment or ski pass that you do not report to the Police within 24 hours of discovery and for which you do not get a written report from them
- any loss or theft of your winter sports equipment or ski pass left out of sight and out of personal control in public places where you are not in a position to prevent unauthorised interference with your property e.g.station, airport,restaurant etc.
- any loss or theft of your winter sports equipment or ski pass from an unattended vehicle unless between the hours of 09:00 and 21:00 whereby your winter sports equipment was secured within a purpose built and locked container fastened to the exterior of the vehicle and following physical evidence of forcible entry and reported to the Police within 24 hours of discovery and a written report is obtained from them
- any loss or theft of your winter sports equipment or ski pass left in the custody of a person who does not have official responsibility for the safekeeping of the property
- any claim that is not confirmed as medically necessary by the Emergency Medical Assistance Helpline and where a medical certificate has not been obtained from the attending medical practitioner confirming that you are unable to ski and unable to use the ski pack facilities
- any claim as a result of piste closure which is not substantiated by a report from the resort management or your tour operator
- any claim as a result of piste closure which was known to you on or before the date your Policy Schedule is issued or on or before the date you booked your trip , whichever is earlier
- anything specifically excluded under the General exclusions section of your policy on page 37

Section 11: Winter Sports
What IS covered:
1. loss or theft of or damage to your winter sports equipment; and
2. your hire of winter sports equipment if required as a result of point 1 above; and
3. your hire of winter sports equipment if required as a result of the misdirection or delay on your outward journey of your winter sports equipment for more than 12 hours; and
4. reimbursement of any unused ski pack, ski hire or tuition fees as a result of your accident or sickness; and
5. loss or theft of your ski pass; and
6. piste closure, if you are unable to ski for a continuous period in excess of 12 hours as a result of:
- lack of snowfall
- excessive snowfall
- bad weather
We will pay you £30 per day (up to a maximum of £300):
- as a benefit in relation to point 6 above: or
- towards transportation costs to travel to an alternative site in relation to point 6 above.
You are not covered
We will not pay for the following:
- claims which are not substantiated by a report from the resort management
- Piste closure which was known to you prior to the date the Policy Schedule is issued or the time of booking the trip (whichever is the earlier).

Section 11: Winter Sports
What IS covered:
1. loss or theft of or damage to your winter sports equipment; and
2. your hire of winter sports equipment if required as a result of point 1 above; and
3. your hire of winter sports equipment if required as a result of the misdirection or delay on your outward journey of your winter sports equipment for more than 12 hours; and
4. reimbursement of any unused ski pack, ski hire or tuition fees as a result of your accident or sickness; and
5. loss or theft of your ski pass; and
6. piste closure, if you are unable to ski for a continuous period in excess of 12 hours as a result of:
- lack of snowfall
- excessive snowfall
- bad weather
We will pay you £30 per day (up to a maximum of £300):
- as a benefit in relation to point 6 above: or
- towards transportation costs to travel to an alternative site in relation to point 6 above.
You are not covered
We will not pay for the following:
- claims which are not substantiated by a report from the resort management
- Piste closure which was known to you prior to the date the Policy Schedule is issued or the time of booking the trip (whichever is the earlier).

Section 11: Winter Sports
What IS covered:
1. loss or theft of or damage to your winter sports equipment; and
2. your hire of winter sports equipment if required as a result of point 1 above; and
3. your hire of winter sports equipment if required as a result of the misdirection or delay on your outward journey of your winter sports equipment for more than 12 hours; and
4. reimbursement of any unused ski pack, ski hire or tuition fees as a result of your accident or sickness; and
5. loss or theft of your ski pass; and
6. piste closure, if you are unable to ski for a continuous period in excess of 12 hours as a result of:
- lack of snowfall
- excessive snowfall
- bad weather
We will pay you £30 per day (up to a maximum of £300):
- as a benefit in relation to point 6 above: or
- towards transportation costs to travel to an alternative site in relation to point 6 above.
You are not covered
We will not pay for the following:
- claims which are not substantiated by a report from the resort management
- Piste closure which was known to you prior to the date the Policy Schedule is issued or the time of booking the trip (whichever is the earlier).

Section 11 Winter Sports
What IS covered:
1. loss or theft of or damage to your winter sports equipment; and
2. your hire of winter sports equipment if required as a result of point 1 above; and
3. your hire of winter sports equipment if required as a result of the misdirection or delay on your outward journey of your winter sports equipment for more than 12 hours; and
4. reimbursement of any unused ski pack, ski hire or tuition fees as a result of your accident or sickness; and
5. loss or theft of your ski pass; and
6. piste closure, if you are unable to ski for a continuous period in excess of 12 hours as a result of:
- lack of snowfall
- excessive snowfall
- bad weather
We will pay you up to £20 per day (up to a maximum of £300) for:
- your hire of winter sports equipment in relation to points 2 and 3 above
What IS NOT covered:
- the excess (unless the appropriate additional premium for excess waiver has been paid and is shown on your Policy Schedule)
- any claim as a result of participation in off-piste skiing whereby you are not accompanied by a qualified ski instructor who holds the appropriate liability insurance
- any claim as a result of participation in winter sports activities when avalanche warnings are current
- any claim as a result of participation in winter sports activities undertaken in the UK and in Europe outside the period from 15th December to 15th April in relation to point 6
- any loss or theft of or damage to your winter sports equipment whilst in use any loss of or damage to your winter sports equipment arising from confiscation or
detention by Customs or other officials
- any loss of or damage to your winter sports equipment caused by normal wear and tear, gradual deterioration or mechanical or electrical breakdown, decay, moth, vermin, atmospheric or climatic conditions
- any loss or theft of or damage to your winter sports equipment whilst in the custody of an airline or other carrier unless you report it immediately on discovery to the carrier and get a written report. In the case of an airline you will need a Property Irregularity Report (PIR)
- any loss or theft of your winter sports equipment or ski pass that you do not report to the Police within 24 hours of discovery and for which you do not get a written report from them
- any loss or theft of your winter sports equipment or ski pass left out of sight and out of personal control in public places where you are not in a position to prevent unauthorised interference with your property e.g.station, airport,restaurant etc.
- any loss or theft of your winter sports equipment or ski pass from an unattended vehicle unless between the hours of 09:00 and 21:00 whereby your winter sports equipment was secured within a purpose built and locked container fastened to the exterior of the vehicle and following physical evidence of forcible entry and reported to the Police within 24 hours of discovery and a written report is obtained from them
- any loss or theft of your winter sports equipment or ski pass left in the custody of a person who does not have official responsibility for the safekeeping of the property
- any claim that is not confirmed as medically necessary by the Emergency Medical Assistance Helpline and where a medical certificate has not been obtained from the attending medical practitioner confirming that you are unable to ski and unable to use the ski pack facilities
- any claim as a result of piste closure which is not substantiated by a report from the resort management or your tour operator
- any claim as a result of piste closure which was known to you on or before the date your Policy Schedule is issued or on or before the date you booked your trip , whichever is earlier
- anything specifically excluded under the General exclusions section of your policy on page 37

Section 11 Winter Sports
What IS covered:
1. loss or theft of or damage to your winter sports equipment; and
2. your hire of winter sports equipment if required as a result of point 1 above; and
3. your hire of winter sports equipment if required as a result of the misdirection or delay on your outward journey of your winter sports equipment for more than 12 hours; and
4. reimbursement of any unused ski pack, ski hire or tuition fees as a result of your accident or sickness; and
5. loss or theft of your ski pass; and
6. piste closure, if you are unable to ski for a continuous period in excess of 12 hours as a result of:
- lack of snowfall
- excessive snowfall
- bad weather
We will pay you up to £20 per day (up to a maximum of £300) for:
- your hire of winter sports equipment in relation to points 2 and 3 above
What IS NOT covered:
- the excess (unless the appropriate additional premium for excess waiver has been paid and is shown on your Policy Schedule)
- any claim as a result of participation in off-piste skiing whereby you are not accompanied by a qualified ski instructor who holds the appropriate liability insurance
- any claim as a result of participation in winter sports activities when avalanche warnings are current
- any claim as a result of participation in winter sports activities undertaken in the UK and in Europe outside the period from 15th December to 15th April in relation to point 6
- any loss or theft of or damage to your winter sports equipment whilst in use any loss of or damage to your winter sports equipment arising from confiscation or
detention by Customs or other officials
- any loss of or damage to your winter sports equipment caused by normal wear and tear, gradual deterioration or mechanical or electrical breakdown, decay, moth, vermin, atmospheric or climatic conditions
- any loss or theft of or damage to your winter sports equipment whilst in the custody of an airline or other carrier unless you report it immediately on discovery to the carrier and get a written report. In the case of an airline you will need a Property Irregularity Report (PIR)
- any loss or theft of your winter sports equipment or ski pass that you do not report to the Police within 24 hours of discovery and for which you do not get a written report from them
- any loss or theft of your winter sports equipment or ski pass left out of sight and out of personal control in public places where you are not in a position to prevent unauthorised interference with your property e.g.station, airport,restaurant etc.
- any loss or theft of your winter sports equipment or ski pass from an unattended vehicle unless between the hours of 09:00 and 21:00 whereby your winter sports equipment was secured within a purpose built and locked container fastened to the exterior of the vehicle and following physical evidence of forcible entry and reported to the Police within 24 hours of discovery and a written report is obtained from them
- any loss or theft of your winter sports equipment or ski pass left in the custody of a person who does not have official responsibility for the safekeeping of the property
- any claim that is not confirmed as medically necessary by the Emergency Medical Assistance Helpline and where a medical certificate has not been obtained from the attending medical practitioner confirming that you are unable to ski and unable to use the ski pack facilities
- any claim as a result of piste closure which is not substantiated by a report from the resort management or your tour operator
- any claim as a result of piste closure which was known to you on or before the date your Policy Schedule is issued or on or before the date you booked your trip , whichever is earlier
- anything specifically excluded under the General exclusions section of your policy on page 37

Claims will be considered on a new for old basis provided the item is less than 2 years old at the date of the incident and you are able to provide the original purchase receipt. All other items will be subject to a suitable deduction for wear and tear and depreciation or we may at our option replace, reinstate or repair the lost, stolen or damaged personal baggage. Please note we may not pay your claim if you are unable to provide any original receipts, proofs of purchase or insurance valuations
(issued before the loss, theft or damage).You must retain all damaged items for inspection, if required.

Claims will be considered on a new for old basis provided the item is less than 2 years old at the date of the incident and you are able to provide the original purchase receipt. All other items will be subject to a suitable deduction for wear and tear and depreciation or we may at our option replace, reinstate or repair the lost, stolen or damaged personal baggage. Please note we may not pay your claim if you are unable to provide any original receipts, proofs of purchase or insurance valuations
(issued before the loss, theft or damage).You must retain all damaged items for inspection, if required.

Section 9: Personal Baggage/Delayed Baggage
This section only applies if you have chosen to include this cover and this is shown on your Policy Schedule.
This section of your policy explains the cover we provide for your personal baggage and delayed baggage whilst on your trip.
Words with special meanings are printed in bold type and can be found on pages 15 and 16.
What IS covered:
1. loss or theft of or damage to your personal baggage; and
2. your personal baggage being mislaid on your outward journey for more than 12 hours from the time you arrive at your trip destination
We will pay you up to £1,500 to:
- replace, reinstate or repair your personal baggage Claims will be considered on a new for old basis provided the item is less than 2 years old at the date of the incident and you are able to provide the original purchase receipt. All other items will be subject to a suitable deduction for wear and tear and depreciation or we may at our option replace, reinstate or repair the lost, stolen or damaged personal baggage. Please note we may not pay your claim if you are unable to provide any original receipts, proofs of purchase or insurance valuations (issued before the loss, theft or damage). You must retain all damaged items for inspection, if required.
We will pay you up to £200 to:
- purchase essential toiletries, medication and clothing (in the event of point 2 above)
You must keep all receipts for essential purchases made and any amount paid will be deducted from the final claim settlement under this section if the items are permanently lost.
What IS NOT covered:
- the excess (unless the appropriate additional premium for excess waiver has been paid and is shown on your Policy Schedule)
- any claim over £300 for one article, pair or set of articles which are complementary or used or worn together
- any claim over £500 in total for valuables
- any loss or theft of your personal baggage that you do not report to the Police within 24 hours of discovery and for which you do not get a written report from them
- any loss or theft of or damage to your personal baggage whilst in the custody of an airline or other carrier unless you report it immediately on discovery to the carrier and get a written report.
In the case of an airline you will need a Property Irregularity Report (PIR)
- any winter sports equipment (this is covered under the Winter Sports section, if the appropriate additional premium has been paid)
- any golf equipment (this is covered under the Golf Cover section, if the appropriate additional premium has been paid)
- any loss or theft of or damage to fragile articles, contact or corneal lenses, spectacles, prescription sunglasses, bicycles or business goods or samples
- any loss or theft of or damage to sports equipment whilst in use
- any loss of or damage to your personal baggage caused by normal wear and tear, gradual deterioration or mechanical or electrical breakdown, decay, moth, vermin, atmospheric or climatic conditions
- any loss or theft of your personal baggage left out of sight and out of personal control in public places where you are not in a position to prevent unauthorised interference with your property e.g.station, airport, restaurant, beach, etc.
- any loss or theft of or damage to your valuables unless they are at all times attended by you, or left in hotel security, safety deposit box, safe or similar locked fixed receptacle
- any loss or theft of your personal baggage or valuables from an unattended vehicle unless between the hours of 09:00 and 21:00 and locked in the boot, covered luggage area or locked glove compartment and following physical evidence of forcible entry and reported to the Police within 24 hours of discovery and a written report is obtained from them
- any loss of or damage to your valuables (other than wedding rings) while you are swimming
- any loss or theft of your personal baggage left in the custody of a person who does not have official responsibility for the safekeeping of the property
- any delayed baggage claim without a proof of purchase
- anything specifically excluded under the General exclusions section of your policy on page 37

Section 9: Personal Baggage/Delayed Baggage
This section only applies if you have chosen to include this cover and this is shown on your Policy Schedule.
This section of your policy explains the cover we provide for your personal baggage and delayed baggage whilst on your trip.
Words with special meanings are printed in bold type and can be found on pages 15 and 16.
What IS covered:
1. loss or theft of or damage to your personal baggage; and
2. your personal baggage being mislaid on your outward journey for more than 12 hours from the time you arrive at your trip destination
We will pay you up to £1,500 to:
- replace, reinstate or repair your personal baggage Claims will be considered on a new for old basis provided the item is less than 2 years old at the date of the incident and you are able to provide the original purchase receipt. All other items will be subject to a suitable deduction for wear and tear and depreciation or we may at our option replace, reinstate or repair the lost, stolen or damaged personal baggage. Please note we may not pay your claim if you are unable to provide any original receipts, proofs of purchase or insurance valuations (issued before the loss, theft or damage). You must retain all damaged items for inspection, if required.
We will pay you up to £200 to:
- purchase essential toiletries, medication and clothing (in the event of point 2 above)
You must keep all receipts for essential purchases made and any amount paid will be deducted from the final claim settlement under this section if the items are permanently lost.
What IS NOT covered:
- the excess (unless the appropriate additional premium for excess waiver has been paid and is shown on your Policy Schedule)
- any claim over £300 for one article, pair or set of articles which are complementary or used or worn together
- any claim over £500 in total for valuables
- any loss or theft of your personal baggage that you do not report to the Police within 24 hours of discovery and for which you do not get a written report from them
- any loss or theft of or damage to your personal baggage whilst in the custody of an airline or other carrier unless you report it immediately on discovery to the carrier and get a written report.
In the case of an airline you will need a Property Irregularity Report (PIR)
- any winter sports equipment (this is covered under the Winter Sports section, if the appropriate additional premium has been paid)
- any golf equipment (this is covered under the Golf Cover section, if the appropriate additional premium has been paid)
- any loss or theft of or damage to fragile articles, contact or corneal lenses, spectacles, prescription sunglasses, bicycles or business goods or samples
- any loss or theft of or damage to sports equipment whilst in use
- any loss of or damage to your personal baggage caused by normal wear and tear, gradual deterioration or mechanical or electrical breakdown, decay, moth, vermin, atmospheric or climatic conditions
- any loss or theft of your personal baggage left out of sight and out of personal control in public places where you are not in a position to prevent unauthorised interference with your property e.g.station, airport, restaurant, beach, etc.
- any loss or theft of or damage to your valuables unless they are at all times attended by you, or left in hotel security, safety deposit box, safe or similar locked fixed receptacle
- any loss or theft of your personal baggage or valuables from an unattended vehicle unless between the hours of 09:00 and 21:00 and locked in the boot, covered luggage area or locked glove compartment and following physical evidence of forcible entry and reported to the Police within 24 hours of discovery and a written report is obtained from them
- any loss of or damage to your valuables (other than wedding rings) while you are swimming
- any loss or theft of your personal baggage left in the custody of a person who does not have official responsibility for the safekeeping of the property
- any delayed baggage claim without a proof of purchase
- anything specifically excluded under the General exclusions section of your policy on page 37

Section 2: Cancellation/Cutting Short your Trip
This section of your policy explains the cover we provide if you cancel or cut short your trip.
Words with special meaning are printed in bold type and can be found on pages 15 and 16.
Please note Cancellation cover terminates at the start of your trip.
What IS covered:
1. unused non-refundable pre-booked travel and accommodation expenses which you have paid or are contracted to pay; and
2. unused non-refundable pre-booked excursions which you have paid or are contracted to pay; and
3. reasonable additional travel and accommodation expenses which you incur returning to the UK which on medical advice is necessary and unavoidable as a result of
bullet point 1 below.
Please note if you are cutting short your trip payments will be calculated on a pro-rata basis taking into consideration unused accommodation and excursions.
We will pay you up to £5,000 (unless a different limit is shown on your Policy Schedule) for your share of the cost of your trip as a result of:
- the death, injury or illness, as certified by a medical practitioner, of you, your relative or colleague or travelling companion or a friend or relative with whom you had
arranged to stay; or
- your attendance at a court of law as a witness or for Jury Service where postponement of the Jury Service has been denied by the Clerk of the Courts Office; or
- you or your travelling companion is a member of the Armed Forces, Police, Ambulance, Fire or Nursing Service and authorised leave is cancelled due to an
unexpected emergency or a posting overseas at the time of your trip; or
- you or your travelling companion are instructed to stay at home (within 14 days of your departure date) or return home by a relevant authority due to severe damage to
your home or place of business in the UK caused by serious fire, explosion, storm, flood, subsidence or burglary; or
- the Foreign & Commonwealth Office (FCO) declaring either of the following:
- your compulsory quarantine preventing you from travelling
- your destination is unsafe to visit and they advise against all travel; or
- your redundancy or that of your travelling companion or your spouse (including a civil partner or co-habitee); or
- your cancellation of the trip as a result of a Travel Delay (section 5) where the delay is in excess of 12 hours from the first international departure time specified in your official itinerary
Please note we may instruct you to return home if our medical advisers and the medical practitioner treating you decide that you are fit to travel.
What IS NOT covered:
- the excess (unless the appropriate additional premium for excess waiver has been paid and is shown on your Policy Schedule)
- any claim as a result of your decision to cancel/cut short your trip for reasons other than those listed within this section
- any additional expenses resulting from you not cancelling or cutting short your trip as soon as reasonably possible
- any claim as a result of your failure to have the required passport or visa
- any claim as a result of the failure in provision of any service connected with your trip including error, omission, financial failure, or default of, or by the provider of, any service, travel agent, tour operator or organiser through whom you booked the trip
- any claim as a result of death or illness of any pet or animals
- any claim as a result of your disinclination to travel or personal or financial circumstances (other than you being made redundant)
- any loss in respect of Air Passenger Duty (this can be reclaimed by you through your travel agent or airline) or credit card charges
- any claim as a result of the death, injury or illness of any person if their specific medical condition was known on or before the date your Policy Schedule is issued or on or before the date you booked your trip, whichever is later
- any claim as a result of your late arrival at the airport, port or station after check-in or booking-in time
- any claim as a result of the operation of law or any unlawful or criminal proceedings of anyone on whom the trip depends, other than attendance as a witness at a Court of Law
- any claim as a result of strike, industrial action, delays or disruptions if the situation exists, or is publicly declared on or before the date your Policy Schedule is issued or on or before the date you booked your trip, whichever is later
- any additional travel and accommodation expenses incurred that are not considered necessary or authorised by the Emergency Medical Assistance Helpline in advance
- any loss of enjoyment of the trip however caused
- any claim as a result of your participation in a winter sports activity (unless you have paid the additional Winter Sports premium and this is shown on your Policy Schedule)
- any unused or refundable portion of your original travel ticket where repatriation has been made
- any claim as a result of your failure to have a pre-paid return ticket to the UK at the start of your trip unless otherwise agreed by us in writing
- anything specifically excluded under the General exclusions section of your policy on page 37
Please note you cannot claim under both this section and section 5:Travel Delay/Missed Departure for the same event or series of events.

Section 5: Travel Delay/Missed Departure
This section of your policy explains the cover we provide for travel delay or missed departure whilst on your trip. Words with special meanings are printed in bold type and can be found on pages 15 and 16.
What IS covered:
1. a delay resulting in you departing at least 12 hours after your original scheduled departure time; and
2. abandonment of your trip following a 12 hour delay at your first international departure point in the UK; and
3. arriving too late (as shown on your ticket) to board your booked transport at your last departure point from the UK or your last departure point for your return to the UK as a result of:
a) public transport services failing to get you to your departure point due to strike, industrial action, adverse weather conditions, mechanical failure or direct involvement in an accident; or
b) the private motor vehicle in which you are travelling being directly involved in an accident or breaking down
We will pay you £30 as a:
- benefit for the first complete 12 hours of your delay, then We will pay you £20 (up to a maximum of £250) as a:
- benefit for every complete 12 hour delay after that; or
We will pay you up to £5,000 to:
- refund your share of the cost of your trip as a result of point 2 above (under section 2: Cancellation/Cutting Short your Trip);or
We will pay you up to £1,000 for:
- your reasonable and necessary extra travel and accommodation expenses (room only) to allow you to get to your trip destination or to return home
Please note for residents of the Channel Islands, Northern Ireland and Isle of Man, cover will also be provided for the cost of a flight or sea vessel journey interconnecting with the last flight or sea vessel journey from the international departure point from or to mainland UK or other European terminal.
What IS NOT covered:
- any trips within the UK (except for trips to the Channel Islands)
- any claim unless you have written confirmation from the carrier or their handling agents detailing the reason for the delay, the scheduled departure time and the actual departure time
- any additional expenses incurred as a result of a delay to your original scheduled departure time
- any claim where the carrier or their handling agents provide alternative transport which departs within 12 hours of the original scheduled departure time
- any claim as a result of the airline over booking your flight
- any claim as a result of strike or industrial action, delays or disruptions arising from weather conditions which had started or were publicly declared on or before the date your Policy Schedule is issued or on or before the date you booked your trip, whichever is later
- any claim as a result of your failure to check-in at your departure point by the time shown on your travel itinerary except in those circumstances outlined in point 3 opposite
- any claim as a result of heavy traffic, road closures or an accident that you are not directly involved in
- any claim as a result of your failure to allow sufficient time for the public transport to arrive on schedule and deliver you to your departure point
- any claim as a result of your private motor vehicle in which you are travelling not having been properly serviced and maintained, in the event of vehicle breakdown
- anything specifically excluded under the General exclusions section of your policy on page 37

Section 5: Travel Delay/Missed Departure
This section of your policy explains the cover we provide for travel delay or missed departure whilst on your trip. Words with special meanings are printed in bold type and can be found on pages 15 and 16.
What IS covered:
1. a delay resulting in you departing at least 12 hours after your original scheduled departure time; and
2. abandonment of your trip following a 12 hour delay at your first international departure point in the UK; and
3. arriving too late (as shown on your ticket) to board your booked transport at your last departure point from the UK or your last departure point for your return to the UK as a result of:
a) public transport services failing to get you to your departure point due to strike, industrial action, adverse weather conditions, mechanical failure or direct involvement in an accident; or
b) the private motor vehicle in which you are travelling being directly involved in an accident or breaking down
We will pay you £30 as a:
- benefit for the first complete 12 hours of your delay, then We will pay you £20 (up to a maximum of £250) as a:
- benefit for every complete 12 hour delay after that; or
We will pay you up to £5,000 to:
- refund your share of the cost of your trip as a result of point 2 above (under section 2: Cancellation/Cutting Short your Trip);or
We will pay you up to £1,000 for:
- your reasonable and necessary extra travel and accommodation expenses (room only) to allow you to get to your trip destination or to return home
Please note for residents of the Channel Islands, Northern Ireland and Isle of Man, cover will also be provided for the cost of a flight or sea vessel journey interconnecting with the last flight or sea vessel journey from the international departure point from or to mainland UK or other European terminal.
What IS NOT covered:
- any trips within the UK (except for trips to the Channel Islands)
- any claim unless you have written confirmation from the carrier or their handling agents detailing the reason for the delay, the scheduled departure time and the actual departure time
- any additional expenses incurred as a result of a delay to your original scheduled departure time
- any claim where the carrier or their handling agents provide alternative transport which departs within 12 hours of the original scheduled departure time
- any claim as a result of the airline over booking your flight
- any claim as a result of strike or industrial action, delays or disruptions arising from weather conditions which had started or were publicly declared on or before the date your Policy Schedule is issued or on or before the date you booked your trip, whichever is later
- any claim as a result of your failure to check-in at your departure point by the time shown on your travel itinerary except in those circumstances outlined in point 3 opposite
- any claim as a result of heavy traffic, road closures or an accident that you are not directly involved in
- any claim as a result of your failure to allow sufficient time for the public transport to arrive on schedule and deliver you to your departure point
- any claim as a result of your private motor vehicle in which you are travelling not having been properly serviced and maintained, in the event of vehicle breakdown
- anything specifically excluded under the General exclusions section of your policy on page 37

Section 5: Travel Delay/Missed Departure
This section of your policy explains the cover we provide for travel delay or missed departure whilst on your trip. Words with special meanings are printed in bold type and can be found on pages 15 and 16.
What IS covered:
1. a delay resulting in you departing at least 12 hours after your original scheduled departure time; and
2. abandonment of your trip following a 12 hour delay at your first international departure point in the UK; and
3. arriving too late (as shown on your ticket) to board your booked transport at your last departure point from the UK or your last departure point for your return to the UK as a result of:
a) public transport services failing to get you to your departure point due to strike, industrial action, adverse weather conditions, mechanical failure or direct involvement in an accident; or
b) the private motor vehicle in which you are travelling being directly involved in an accident or breaking down
We will pay you £30 as a:
- benefit for the first complete 12 hours of your delay, then We will pay you £20 (up to a maximum of £250) as a:
- benefit for every complete 12 hour delay after that; or
We will pay you up to £5,000 to:
- refund your share of the cost of your trip as a result of point 2 above (under section 2: Cancellation/Cutting Short your Trip);or
We will pay you up to £1,000 for:
- your reasonable and necessary extra travel and accommodation expenses (room only) to allow you to get to your trip destination or to return home
Please note for residents of the Channel Islands, Northern Ireland and Isle of Man, cover will also be provided for the cost of a flight or sea vessel journey interconnecting with the last flight or sea vessel journey from the international departure point from or to mainland UK or other European terminal.
What IS NOT covered:
- any trips within the UK (except for trips to the Channel Islands)
- any claim unless you have written confirmation from the carrier or their handling agents detailing the reason for the delay, the scheduled departure time and the actual departure time
- any additional expenses incurred as a result of a delay to your original scheduled departure time
- any claim where the carrier or their handling agents provide alternative transport which departs within 12 hours of the original scheduled departure time
- any claim as a result of the airline over booking your flight
- any claim as a result of strike or industrial action, delays or disruptions arising from weather conditions which had started or were publicly declared on or before the date your Policy Schedule is issued or on or before the date you booked your trip, whichever is later
- any claim as a result of your failure to check-in at your departure point by the time shown on your travel itinerary except in those circumstances outlined in point 3 opposite
- any claim as a result of heavy traffic, road closures or an accident that you are not directly involved in
- any claim as a result of your failure to allow sufficient time for the public transport to arrive on schedule and deliver you to your departure point
- any claim as a result of your private motor vehicle in which you are travelling not having been properly serviced and maintained, in the event of vehicle breakdown
- anything specifically excluded under the General exclusions section of your policy on page 37

Section 4: Personal Liability
This section of your policy explains the cover we provide for personal liability whilst on your trip.
Words with special meanings are printed in bold type and can be found on pages 15 and 16.
What IS covered:
1. injury, illness, death or disease to another person that you cause; and
2. loss of or damage to another persons property that you cause
We will pay you up to £2,000,000 for:
- legal costs and expenses you become legally liable to pay as compensation for any incident or series of incidents; and
- your costs and expenses that we have agreed in writing
Please note our total liability under this section for any one incident or series of incidents shall not exceed £2,000,000.
You must send us any claim form, summons or other legal documents as soon as you receive them. You must also give us any information and help we need to deal with the case and your claim.You must not negotiate, pay, settle, admit or deny any claim without our written agreement.
What IS NOT covered:
- the excess (unless the appropriate additional premium for excess waiver has been paid and is shown on your Policy Schedule)
- any claim as a result of a business trip within the UK unless you are travelling as a fare paying passenger on public transport
- any claim arising directly or indirectly for any liability for injury, illness, death or disease to another person or loss of or damage to another persons property:
a) where indemnity is provided under any other insurance
b) which is suffered by anyone who is under a contract of service with you or any member of your family and is caused by the work you employ them to do
c) which is caused by any deliberate, unlawful, malicious or wilful act or omission by you
d) which is made against you by a relative
e) which is caused by your ownership, care, custody or control of any animal
f) which falls on you by agreement and would not have done if such agreement did not exist
g) which is caused by your employment, profession or business or that of any member of your family
h) which is subject to any criminal proceedings
i) which is due to your ownership, possession or use of vehicles, aircraft, watercraft, firearms or explosive devices
j) which is caused by your ownership or occupation of land or buildings (other than occupation only of any temporary residence,with the exception of time-share)
- anything specifically excluded under the General exclusions section of your policy on page 37

Hazardous activities
We provide cover for most activities provided the activity is an incidental part of a normal trip.
Please be aware that the following activities are NOT covered in any circumstances:
- Air travel, other than as a passenger in a fully licensed passenger carrying aircraft, but not as a pilot or co-pilot, nor for the purpose of engaging in any trade or technical operation therein
- Any sport as a professional
- Any team sport where the main purpose of the trip is to participate in that sport
- Base jumping
- Boxing, wrestling or martial arts
- Bullfighting and bull running
- Bungee jumping
- Driving a car, van or lorry or similar form of motorised transport unless you have the appropriate licence to do so
- Hang gliding
- High diving and cliff diving
- Horse racing, eventing, hunting on horseback, polo, show jumping, endurance riding or rodeo
- Jet skiing
- Motor racing, motorcycle racing or sidecar racing
- Mountaineering, cliff or rock climbing using ropes or guides
- Paid or voluntary manual work
- Parachuting
- Parapenting, paraponting, parasailing and parascending (if unsupervised or over land)
- Potholing or caving
- Quad biking
- Racing in motor boats
- Riding motorcycles or mopeds, unless you are wearing a crash helmet and the person in control of the motorcycle or moped is in possession of a valid full UK motorcycle driving licence permitting the riding of that class of motorcycle or moped
- Scuba diving unless you are a qualified diver or a qualified instructor accompanies you, no cover applies for a depth greater than 30 metres or if you dive unaccompanied
- Ski racing, ski jumping, off piste skiing unless accompanied by a qualified guide or instructor, heli-skiing, ice hockey, bobsleighing, the use of skeletons, toboggans
or luges, freestyle skiing, competitive skiing
- Sky diving or sky surfing
- Trekking unless you are walking on designated paths and not using specialist equipment
- Water skiing
- White water rafting
- Winter sports (unless you have paid the additional Winter Sports premium and this is shown on your Policy Schedule)
- Yacht racing, ocean going racing or sailing in international waters
Please telephone the Halifax Customer Helpline shown on page 39 if you are unsure as to whether your intended activity is covered by your policy.