Homebase Winter Sports

This cover is arranged by Homebase Limited who is an appointed representative of Home Retail Group Insurance Services Limited (HIS). HIS is authorised and regulated by the Financial Services Authority (FSA number 314050). This insurance is provided for HIS by AIG UK Limited. It is underwritten by AIG UK Limited which is authorised and regulated by the Financial Services Authority (FSA number 202628). This information can be checked by visiting the FSA website (www.fsa.gov.uk/register). AIG UK Limited is a member of the Association of British Insurers and a member company of American International Group, Inc.
This policy is administered by Mercury International Assistance and Claims Limited, whose trading name is AIG Travel Assist, who also provide the emergency assistance and claims services.

Section A - Medical and other expenses
This section does not apply for trips within the United Kingdom except for trips to the Channel Islands.
If you go into hospital, you must tell Homebase Travel Assist immediately.
What you are covered for
We will pay up to the overall limit shown on the Schedule of Benefits for the following necessary and reasonable costs as a result of you being injured or ill during your trip:
1) Emergency medical, surgical and hospital treatment (emergency dental treatment is covered up to £200 as long as it is only to relieve pain immediately)
2) Up to £5,000 for either the cost of returning your body or ashes to the United Kingdom, or for the cost of a funeral in the country where you die if this is different from the country where you normally live.
3) Extra accommodation and travel expenses to allow you to return to the United Kingdom if you cannot return as you originally booked provided this has been approved by us, which would be:
a) extra accommodation for someone to stay with you and travel home with you, if this is necessary due to medical advice, and authorised by Inter Group Assistance Services; or
b) expenses for one relative or friend to travel from the United Kingdom to stay with you and travel home with you, if this is necessary due to medical advice, and authorised by Inter Group Assistance Services.
4) The extra cost for you to return home following the death, serious injury or serious illness of a relative or business associate.
Special exclusions which apply to sections A and B
We will not cover the following:
1) The first £50 of each claim, for each person, except for claims under Section A (Medical and other expenses) only if you have a refund of the cost under the terms of the EU reciprocal health agreement (EHIC).
2) Any treatment or surgery which Homebase Travel Assist thinks is not immediately necessary and can wait until you return home. The decision of Homebase Travel Assist is final and binding.
3) Any expenses for treatment or surgery carried out more than 12 months after the date of the incident which you are claiming for.
4) The extra cost of single or private room accommodation unless it is medically necessary.
5) Any treatment or medication of any kind that you receive after you return to the United Kingdom.
6) Pregnancy or childbirth where the expected date of delivery is within 12 weeks of the end of your trip.
7) Any claim arising for costs you incur if you are travelling to Australia or New Zealand or any other country with a reciprocal arrangement and you do not register for treatment under the National Medicare or equivalent scheme of those countries if you become ill.
8) Any extra costs after the time when, in our medical advisor's opinion, you are fit to be returned to the United Kingdom.
9) Any medical treatment of any kind occurring after an Insured Person has refused the offer of repatriation when in the opinion of the Company's medical advisors he/she is fit to travel.
Please read the general conditions and exclusions.

Section C - Personal accident
What you are covered for
We will pay up to £30,000 for Premier, Winter Sports and Annual Multi-Trip cover only or £10,000 for Standard and Extended Stay cover only. If you die we will pay up to £5,000 (£1,000 for children aged under 16 years of age) to you or your executors or administrators. If you are involved in an accident which causes you an injury which results in you becoming disabled within 12 months of the date of the accident for one of the following:
1) Permanent total disability.
2) Loss of a leg or foot.
3) Complete loss of use of an arm or hand.
We will pay up to £100,000 if you have an accident which causes death whilst travelling as a fare-paying passenger in or on any conveyance which operates according to a published timetable which shows departure and arrival times or specific operation frequencies. Please read the general conditions and exclusions.

Section J - Hospital benefit
What you are covered for
We will pay up to the overall limit shown on the Schedule of Benefits if,after an accident or illness that is covered under section A (Medical and other expenses) of this insurance, you go into hospital as an in-patient outside the United Kingdom. We will pay up to £10 for each complete 24-hour period. Benefit ceases if hospitalisation continues back in the United Kingdom.
Note: The amounts we will pay under this section are meant to help you pay extra expenses such as taxi fares and phone calls.
Please read the general conditions and exclusions.

Section A - Medical and other expenses
This section does not apply for trips within the United Kingdom except for trips to the Channel Islands.
If you go into hospital, you must tell Homebase Travel Assist immediately.
What you are covered for
We will pay up to the overall limit shown on the Schedule of Benefits for the following necessary and reasonable costs as a result of you being injured or ill during your trip:
1) Emergency medical, surgical and hospital treatment (emergency dental treatment is covered up to £200 as long as it is only to relieve pain immediately)
2) Up to £5,000 for either the cost of returning your body or ashes to the United Kingdom, or for the cost of a funeral in the country where you die if this is different from the country where you normally live.

Section A - Medical and other expenses
This section does not apply for trips within the United Kingdom except for trips to the Channel Islands.
If you go into hospital, you must tell Homebase Travel Assist immediately.
What you are covered for
We will pay up to the overall limit shown on the Schedule of Benefits for the following necessary and reasonable costs as a result of you being injured or ill during your trip:
1) Emergency medical, surgical and hospital treatment (emergency dental treatment is covered up to £200 as long as it is only to relieve pain immediately)
2) Up to £5,000 for either the cost of returning your body or ashes to the United Kingdom, or for the cost of a funeral in the country where you die if this is different from the country where you normally live.

Section E - Legal expenses
What you are covered for
We will pay up to the overall limit shown on the Schedule of Benefits for legal costs and expenses arising as a result of dealing with claims for compensation and damages resulting from your death, illness or injury during your trip.
Special exclusions which apply to section E
We will not cover the following:
1) The first £150 of each claim, for each person.
2) Any claim where we or our legal representatives believe that an action is not likely to be successful or if we believe that the costs of taking action will be greater than any award.
3) The costs of making any claim against us, our agents or representatives or against any tour operator, carrier or any person with whom you have travelled or arranged to travel.
4) Any costs or expenses which are based directly or indirectly on the amount of any award.
5) The costs of following up a claim for bodily injury,loss or damage caused by or in connection with your trade, profession or business, under contract or arising out of you possessing, using or living on any land or in any buildings.
6) Any claims arising out of you owning, possessing, or using mechanically-propelled vehicles, water craft or aircraft of any description, animals, firearms or weapons.
7) Any claims arising out of your criminal, malicious or deliberate acts.
Special conditions which apply to section E
It is a condition of the cover provided under this section that:
1) We will have complete control over any legal representatives appointed and any proceedings;
2) You follow our advice or that of our agents in handling any claim; and
3) Where possible, you must get back all of our expenses. You must pay us any expenses you do get back.
Please read the general conditions and exclusions.

G3 - Passport and travel documents
We will pay for the following:
1) We will pay up to £300 for the cost of replacing your passport, travel tickets, Green Cards and admission tickets if they are lost, stolen or damaged during your trip for premier, winter sports and annual multi-trip cover only and up to £200 for Extended Stay cover only.
Note: We provide cover for theft or loss from unattended motor vehicles, trailers or caravans under sub-section G1 only. We will only pay up to £100 for each person.
Special exclusions which apply to section G
We will not cover the following:
1) The first £50 of each claim for each sub-section, for each person.
2) Breakage of fragile articles (including china, glass, sculpture and video equipment) or sports equipment whilst in use.
3) Theft, loss of or damage to household goods, pedal cycles, motor vehicles, water sports equipment, winter sports equipment (unless the appropriate premium has been paid), marine equipment, craft and their accessories.
4) Wear and tear, loss of value, mechanical or electrical breakdown or damage caused by any process of cleaning, repairing or restoring, or damage caused by leaking powder or fluid carried within your baggage.
5) Shortages due to mistakes or neglect.
6) Any loss or theft which you do not report to the police within 24 hours of discovering it and for which you do not get a written report.
7) If your belongings are delayed or held by any customs or other officials legally taking your belongings.
8) Cash which you do not carry on your person (unless it is held in a locked safety deposit box or safe, that is not in your hotel room or apartment).
9) Theft, loss or damage to photographic, electrical equipment, electrical items or jewellery not carried in your hand baggage while you are travelling.
10) Theft, loss of or damage to dentures, bridgework, corneal lenses, artificial limbs or hearing aids.
11) Theft, loss of or damage to mobile phones, spectacles and sunglasses.
12) Any item, set or pair worth more than £50 for which you have not got an original receipt or insurance valuation before the loss.
13) Property you leave unattended in a public place.
14) Any loss, theft or damage to items carried on a vehicle roof rack.
15) Theft, loss or damage to baggage or personal belongings during a journey unless you report this to the carrier and get a property irregularity report at the time of the loss.
16) Damage caused to suitcases, holdalls or similar carriers unless you cannot use the damaged item.
17) Loss or theft of personal belongings or baggage while not in your control or in the control of any person other than an airline or transport company. Please read the general conditions and exclusions.

Section K - Mugging
(This applies to Premier, Winter Sports and Annual Multi-Trip cover only.)
What you are covered for
We will pay up to £100 if you suffer an injury and go into hospital as an in-patient as the result of a mugging attack as long as you report the incident to the police within 12 hours and get a police report. Please read the general conditions and exclusions.

Section L - Hijack
(This applies to Premier, Winter Sports and Annual Multi-Trip cover only.)
What you are covered for
We will pay £30 for each full 24-hour period if the aircraft or sea vessel in which you are travelling is hijacked on the original, pre-booked, outward or return journey for a period over 24 hours. We will pay up to £2,000.
Special exclusion which applies to section L
We will not cover the following:
1) Any claim resulting from you acting in a way which could cause a claim under this section.
Special condition which applies to section L
It is a condition of the cover provided under this section that:
1) You must give us a written statement from an appropriate authority confirming the hijack and how long it lasted.
Please read the general conditions and exclusions.

Section R - Ski pack
(This applies to Winter Sports and Annual Multi-Trip cover)
What you are covered for
If as a result of your injury or illness during the period of the Holiday/Journey you are unable to utilise the full duration of your pre-booked and pre-paid Ski pack, we will reimburse you the irrecoverable cost of the unused proportion up to a maximum of £300 for each insured person, if you are ill or injured while you are on holiday and you are medically certified as being unable to use it. Ski pack shall consist of ski school, ski hire and lift pass.
Special exclusion which applies to section R
We will not cover the following:
1) The first £50 of each claim, for each person.
Please read the general conditions and exclusions.

Section 0 - Piste closure
(This applies to Winter Sports and Annual Multi-Trip cover only.)
What you are covered for
We will pay up to £200 if, as a result of not enough snow, too much snow or high winds in your pre-booked holiday resort, all lift systems are closed for more than 24 hours. We will pay for either:
1) The cost of transport to the nearest resort up to f20 for each full 24-hour period; or
2) Up to £20 for each full 24-hour period if you are unable to ski and there is no other ski resort available.
Special conditions which apply to section 0
It is a condition of the cover provided under this section that:
1) You get a written statement from the management of the resort confirming the reason for the closure and how long it lasted;
2) The pre-booked holiday resort where you are staying is at least 1000 metres above sea level; and
3) If you do not buy this insurance within 14 days of the date you plan to leave and that you do know about any reason that could cause you to claim under this section, we will not provide cover for you. Please read the general conditions and exclusions.

Section P - Avalanche cover
(This applies to Winter Sports and Annual Multi-Trip cover only.)
What you are covered for
We will pay up to £100 for reasonable extra travel and accommodation expenses that you need to pay if your pre-booked outward or return journey is delayed for more than 12 hours from your scheduled arrival time because of an avalanche.
Special exclusion which applies to section P
We will not cover the following:
1) The first £50 of each claim, for each person.
Special condition which applies to section P
It is a condition of the cover provided under this section that:
1) You get a written statement from the appropriate authority confirming the reason for the delay and how long it lasted.
Please read the general conditions and exclusions.

Section Q - Ski hire
(This applies to Winter Sports and Annual Multi-Trip cover only.)
What you are covered for
We will pay £15 for each full 24-period for the costs of hiring other ski equipment.
We will pay up to £300 if:
1) The skis that you own are lost or delayed during your outward journey for over 12 hours; or
2) The skis that you own are lost, stolen or damaged during the course of your trip.
Special exclusions which apply to section Q
We will not cover the following:
1) Any claim involving damage to your skis where you do not bring them back to the United Kingdom so we can inspect them.
2) Any theft or loss which you do not report to the police within 24 hours of discovering it and get a written report.
3) Any theft, delay, loss of or damage to ski equipment while it is transported unless you report this, at the time, to the carrier and get a property irregularity report.
Special condition which applies to section Q
It is a condition of the cover provided under this section that:
1) We take any payment made under this section from any claim under sub-section G1 (Personal belongings and baggage) of this insurance.
Please read the general conditions and exclusions.

Section Q - Ski hire
(This applies to Winter Sports and Annual Multi-Trip cover only.)
What you are covered for
We will pay £15 for each full 24-period for the costs of hiring other ski equipment.
We will pay up to £300 if:
1) The skis that you own are lost or delayed during your outward journey for over 12 hours; or
2) The skis that you own are lost, stolen or damaged during the course of your trip.
Special exclusions which apply to section Q
We will not cover the following:
1) Any claim involving damage to your skis where you do not bring them back to the United Kingdom so we can inspect them.
2) Any theft or loss which you do not report to the police within 24 hours of discovering it and get a written report.
3) Any theft, delay, loss of or damage to ski equipment while it is transported unless you report this, at the time, to the carrier and get a property irregularity report.
Special condition which applies to section Q
It is a condition of the cover provided under this section that:
1) We take any payment made under this section from any claim under sub-section G1 (Personal belongings and baggage) of this insurance.
Please read the general conditions and exclusions.

Section B - Sending you home in an emergency
This section does not apply for trips within the United Kingdom except for trips to the Channel Islands.
What you are covered for
We will pay up to the overall limit shown on the Schedule of Benefits to return you to the United Kingdom if Homebase Travel Assist think this is medically necessary, and they arrange this for you.

Section G - Personal belongings, baggage and money
(This Section does not apply to Standard cover.)
What you are covered for
We will pay up to the overall limit shown on the Schedule of Benefits for the following.
G1 - Personal belongings and baggage
We will pay for the following:
1) After taking off an amount for wear, tear and loss of value, we will pay for the loss, theft of or damage to property owned by you with a limit for any one item, set or pair of £150 for premier, winter sports and annual multi-trip cover only and £100 for extended stay cover only.
2) After taking off an amount for wear, tear and loss of value, we will pay for loss, theft of or damage to valuable items that you own. We will pay up to £300 for premier, wintersports and annual multi-trip cover only with a limit for any 1 item, set or pair of £150 for premier, winter sports and annual multi-trip cover only. No cover is provided for valuables if you have arranged an Extended Stay policy.
3) We will pay up to £100 for premier, winter sports and annual multi-trip cover only for buying essential items if your baggage is delayed or lost during an outward journey for more than 24 hours. You must get written confirmation of the length of the delay and receipts for any items that you buy. You must get authorisation from Homebase Travel Assist if you want them to increase this limit up to £400 to buy essential items to allow you to continue your trip. We will take any payment we make for delayed baggage from the amount of any claim if your baggage is permanently lost. No cover is provided under this section if you have arranged an Extended Stay policy.
Special exclusions which apply to section G
We will not cover the following:
1) The first £50 of each claim for each sub-section, for each person.
2) Breakage of fragile articles (including china, glass, sculpture and video equipment) or sports equipment whilst in use.
3) Theft, loss of or damage to household goods, pedal cycles, motor vehicles, water sports equipment, winter sports equipment (unless the appropriate premium has been paid), marine equipment, craft and their accessories.
4) Wear and tear, loss of value, mechanical or electrical breakdown or damage caused by any process of cleaning, repairing or restoring, or damage caused by leaking powder or fluid carried within your baggage.
5) Shortages due to mistakes or neglect.
6) Any loss or theft which you do not report to the police within 24 hours of discovering it and for which you do not get a written report.
7) If your belongings are delayed or held by any customs or other officials legally taking your belongings.
8) Cash which you do not carry on your person (unless it is held in a locked safety deposit box or safe, that is not in your hotel room or apartment).
9) Theft, loss or damage to photographic, electrical equipment, electrical items or jewellery not carried in your hand baggage while you are travelling.
10) Theft, loss of or damage to dentures, bridgework, corneal lenses, artificial limbs or hearing aids.
11) Theft, loss of or damage to mobile phones, spectacles and sunglasses.
12) Any item, set or pair worth more than £50 for which you have not got an original receipt or insurance valuation before the loss.
13) Property you leave unattended in a public place.
14) Any loss, theft or damage to items carried on a vehicle roof rack.
15) Theft, loss or damage to baggage or personal belongings during a journey unless you report this to the carrier and get a property irregularity report at the time of the loss.
16) Damage caused to suitcases, holdalls or similar carriers unless you cannot use the damaged item.
17) Loss or theft of personal belongings or baggage while not in your control or in the control of any person other than an airline or transport company. Please read the general conditions and exclusions.

Section H - Cancelling and cutting short your holiday
What you are covered for
We will pay up to the overall limit shown on the Schedule of Benefits for travel and accommodation expenses that you have paid or have agreed to pay under a contract and which you cannot get back if it is necessary and unavoidable for you to cancel or cut short your trip as a result of the following:
1) You dying, becoming ill or injured.
2) The death, injury or illness of a relative, business associate or a person with whom you have booked to travel or a relative or friend living abroad with whom you plan to stay.
3) If you are called for jury service or as a witness or you are put in quarantine.
4) An accident to a vehicle in which you were planning to travel which happens within 7 days before the date you planned to leave which leaves the vehicle unusable (this applies to self-drive holidays only).
5) If you are a member of the armed forces or police, fire, nursing or ambulance services which results in you having to stay because of an emergency.
6) If you are made redundant as long as you are entitled to payment under the current redundancy payments law and that, at the time of booking your trip, you had no reason to believe that you would be made redundant.
7) If the police need you to stay after a fire, flood or burglary at your home within 48 hours before the date you planned to leave.
8) If after the time you booked your trip the Foreign and Commonwealth Office advices against all (but essential) travel to your intended destination.
Special exclusions which apply to section H
We will not cover the following:
1) The first £50 of each claim, for each person.
2) Any claim which results from depression, anxiety, mental illness, or a depressive illness of any type.
3) You not wanting to travel.
4) Any extra costs resulting from you not telling the holiday company as soon as you know you have to cancel your holiday.
5) Pregnancy, if your expected date of delivery is within 12 weeks of the end of your trip.
6) Cancelling or cutting short the trip because of a medical condition or any illness related to a medical condition which you knew about or should have known about before the start of this insurance or when you booked your trip if this was after the insurance was arranged. This applies to you, a relative, close business associate or person you are travelling with and any person you were depending on for the trip.
7) The cost of your original return trip if this has already been paid and you need to cut short your journey.
8) If you have to cut short your trip and do not return to the United Kingdom.
9) If you cut short your trip and you have less than 25% of the trip left or 5 days, whichever is greater.
Please read the general conditions and exclusions.

Section F -Missed departure
What you are covered for
We will pay up to the overall limit shown on the Schedule of Benefit (£300 for within Area 1) for the reasonable extra costs of travel and accommodation you need if you cannot reach the original departure point of your booked journey on the outward or return journey because public transport services fail or the vehicle in which you are travelling is involved in an accident or breaks down.
Special exclusions which apply to section F
We will not cover the following:
1) The first £50 of each claim, for each person.
2) Any claim which is the result of a strike or industrial action which you knew about before you booked your trip.
Special conditions which apply to section F
It is a condition of the cover provided under this section that:
1) You must allow enough time to arrive at your departure point at or before the recommended time;
2) You must get confirmation of the reason for the delay and how long it lasts from the appropriate authority; and
3) If your claim relates to a vehicle breaking down, you must give us evidence that the vehicle was properly serviced and maintained and that any recovery or repair was made by a recognised break-down organisation.
Please read the general conditions and exclusions.

Section I - Travel delay and abandoning your holiday
(This applies to Premier, Winter Sports and Annual Multi-Trip cover only)
What you are covered for
We will pay up to the overall limit shown on the Schedule of Benefits if the start of your pre-booked outward or return international journeys by aircraft, sea vessel or cross-channel train are delayed due to circumstances outside your control. You must be delayed by at least 8 hours on each occasion.
Travel delay
We will pay £10 after each full 8-hour period of delay, as long as you eventually go on the trip. We will pay up to the overall limit shown on the Schedule of Benefits.
Abandonment
If it is necessary for you to have to cancel your outward trip as a result of a delay lasting more than 24 hours, we will pay an amount equal to the cost of your trip up to £5,000 less any amounts that we can get back.
Special exclusions which apply to section I
We will not cover the following:
1) Any claim that results from strikes or industrial action which were public knowledge before the start of your trip.
2) The first £50 of each claim for each person for Abandonment claims.
Special conditions which apply to section I
It is a condition of the cover provided under this section that:
1) You must have checked in for your trip at or before the recommended time; and
2) You get a written statement from the appropriate transport company or authority confirming the reason for the delay and how long it lasted. Please read the general conditions and exclusions.

Section I - Travel delay and abandoning your holiday
(This applies to Premier, Winter Sports and Annual Multi-Trip cover only)
What you are covered for
We will pay up to the overall limit shown on the Schedule of Benefits if the start of your pre-booked outward or return international journeys by aircraft, sea vessel or cross-channel train are delayed due to circumstances outside your control. You must be delayed by at least 8 hours on each occasion.
Travel delay
We will pay £10 after each full 8-hour period of delay, as long as you eventually go on the trip. We will pay up to the overall limit shown on the Schedule of Benefits.
Abandonment
If it is necessary for you to have to cancel your outward trip as a result of a delay lasting more than 24 hours, we will pay an amount equal to the cost of your trip up to £5,000 less any amounts that we can get back.
Special exclusions which apply to section I
We will not cover the following:
1) Any claim that results from strikes or industrial action which were public knowledge before the start of your trip.
2) The first £50 of each claim for each person for Abandonment claims.
Special conditions which apply to section I
It is a condition of the cover provided under this section that:
1) You must have checked in for your trip at or before the recommended time; and
2) You get a written statement from the appropriate transport company or authority confirming the reason for the delay and how long it lasted.
Please read the general conditions and exclusions.

Section D - Personal liability
What you are covered for
We will pay up to the overall limit shown on the Schedule of Benefits if you are legally liable for accidentally:
1) Injuring someone; or
2) Damaging or losing somebody else's property.
Special exclusions which apply to section D
We will not cover the following:
1) The first £150 of each claim, for each person.
2) Any liability arising from an injury or loss or damage to property:
a) Owned by you, a member of your family or household or a person you employ; or
b) In the care, custody or control of you or of your family or household or a person you employ.
3) Any liability, injury, loss or damage:
a) To your employees or members of your family or household or a person you employ;
b) Arising out of or in connection with your trade, profession or business;
c) Arising out of a contract you have entered into;
d) Arising out of you owning, possessing, using or living on any land or in buildings;
e) Arising out of you owning, possessing, or using mechanically-propelled vehicles, water craft or aircraft of any description, animals, firearms or weapons; or
f) Arising out of any criminal, malicious or deliberate acts.
Special conditions which apply to section D
It is a condition of the cover provided under this section that:
1) You must give Homebase Travel Claims notice of any cause for a legal claim against you as soon as you know about it and send them any other documents relating to any claim; and
2) You must help Homebase Travel Claims and give them all of the information they need to allow them to take action on your behalf. You must not negotiate, pay, settle, admit or deny any claim unless you get Homebase Travel Claims written permission.
Please read the general conditions and exclusions.

Section N - Domestic pets
(This applies to Premier, Winter Sports and Annual Multi-Trip cover only.)
What you are covered for
We will pay £10 for each full 24-hour period of delay for extra kennel or cattery fees if the start of your original pre-booked return journey by aircraft sea vessel or cross-channel train is delayed because of circumstances outside your control. You must be delayed by at least 24 hours and we will pay up to £200.
Special exclusions which apply to section N
We will not cover the following:
1) Any claim that results from a strike or industrial action which you knew about your trip was booked.
2) Any kennel or cattery fees you pay outside the United Kingdom or Channel islands or as a result of quarantine regulations.
Special conditions which apply to section N
It is a condition of the cover provided under this section that:
1) You must have checked in for your trip at or before the recommended time;
2) You get a written statement from the appropriate transport company or authority confirming the reason for the delay and how long it lasted;
3) Any amount we pay under this section only applies to domestic cats or dogs that you own; and
4) You must get a written statement from the appropriate kennel or cattery confirming any extra charges that you have to pay.
Please read the general conditions and exclusions.

Section M -Disaster
(This applies to Premier, Winter Sports and Annual Multi-Trip cover only.)
What you are covered for
We will pay up to £500 for the cost of providing other similar accommodation if your booked accommodation cannot be lived in because of a fire, flood, earthquake or storm.
Special exclusions which apply to section M
We will not cover the following:
1) The first £50 of each claim, for each person.
2) Any expenses that you can get back from any tour operator, airline, hotel or other provider of services.
3) Any expenses that you would normally have to pay during the period shown on your Certificate of Insurance.
4) Any claim resulting from you travelling against the advice of the appropriate national or
local authority.
Special conditions which apply to section M
It is a condition of the cover provided under this section that:
1) You must give us a written statement from an appropriate public authority confirming the reason and nature of the disaster and how long it lasted;
2) Any event that results in a claim under this section was not known about before you booked your trip; and
3) You must give us evidence of all the extra costs you had to pay.
Please read the general conditions and exclusions.

As well as providing 24-hour medical advice and help through Inter Group Assistance Services, the Homebase Travel Insurance travel policy also gives you the unique benefits of a concierge service which you may call upon 24 hours a day, 365 days a year, to help you in any non-medical difficulties that you may come across.
Telephone: +44(0)1252 740 380

5.1 24-hour emergency service
Homebase Travel Assist will provide immediate help if you are ill or injured outside the United Kingdom. They provide a 24-hour emergency service 365 days a year and you can contact them on:
Emergency phone no: +44 (0) 1273 765 361 Emergency fax no: 0870 1301 953 Emergency email: homebaseassist@aig.com
When you contact Homebase Travel Assist, you will need to say that you have 'Homebase Travel Insurance' and give the following information:
Your name, Your address, Your phone number abroad, Your certificate number shown on your Statement of Insurance.

7.2 General exclusions
We will not cover the following:
1) Any claim arising from or resulting from a trip that you take or, any person who you are travelling with or who your travel depends on(this would include a relative or close business associate), if:
a) the claim relates to a medical condition or any illness related to a medical condition which you or they knew about before you bought this insurance;
b) you are travelling against medical advice;
c) you are travelling to receive medical advice or treatment;
d) you are on a hospital waiting list waiting for treatment;
e) you have been given a terminal diagnosis; or
f) you are pregnant and expect to give birth prior to 12 weeks before the end of the booked trip (16 weeks in the case of a multiple pregnancy).
2) Any claim arising out of war, civil war, invasion, insurrection, revolution, use of military power or usurpation of Government or military power.
3) Loss or damage directly or indirectly caused by any Government, public or local authority legally taking or damaging your property.
4) Any claim arising from or as a result of civil commotion, strike, lock-outs, blockades, riots of any kind, actions of any Government of any country or threat of such event.
5) You are not covered under this policy for any trip in, to or through the following countries: Afghanistan, Cuba Iraq, Lebanon, Liberia, Libya or Sudan.
6) You are not covered under this policy if you are on any official government or police database of suspected or actual terrorists, members of terrorist organisations, drug traffickers or illegal suppliers of nuclear, chemical or biological weapons.
7) Loss, or damage to any property, or any loss, expense or liability arising from:
a) ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the burning of nuclear fuel; or
b) the radioactive, toxic, explosive or other dangerous properties of any explosive nuclear equipment or any part of it.
8) Any claim under Section G (personal belongings, baggage and money) if you already have a more specific insurance covering this.
9) You, if at the time of loss, damage or liability arising under this insurance there is any other insurance covering the same loss, damage or liability. We will only pay our share.
10) Loss, destruction or damage directly caused by pressure waves resulting from any aircraft or other flying object travelling at or above the speed of sound.
11) Any claim arising from you being in, entering, or leaving any aircraft other than as a fare-paying passenger in a fully-licensed passenger-carrying aircraft.
12) Any claim arising from using a two-wheeled motor vehicle.
13) Any other loss connected to the event you are claiming for unless we provide cover under this insurance.
14) Any claim arising directly or indirectly from financial problems.
15) Any claim resulting from the tour operator, airline or any other company, firm or person becoming insolvent, or being unable or unwilling to fulfil any part of their obligation.
16) Any claim arising or resulting from you being involved in any illegal or criminal act.
17) Racing of any kind (except on foot).
18) Winter sports (unless we provide cover as shown on your Statement of Insurance).
19) Any claim arising or resulting from services or inter-services championships, or heats, or officially organised practice, or training for these events, ski-jumping, ice hockey, or using skeletons or bob sleighs, canyoning, mountaineering or pot holing or any equipment used for these events. This is not a complete list of excluded activities. Please ring 0870 122 1551 to confirm cover for any activity you wish to undertake if you are not clear whether it is covered or not.
20) Any claim arising or resulting from (i) suicide or attempted suicide, or (ii) depression, anxiety, mental strain, psychotic mental illness, depressive illness of any type, or (iii) injuring yourself deliberately or putting yourself in danger (unless you are trying to save a human life).
21) Any claim resulting from you being under the influence of, or in connection with the use of alcohol or drugs.
22) Any claim arising from persons aged 65 or over at the date of purchase of this policy.

7.1 General conditions
The following conditions apply to this insurance :
1) If you know about anything which may affect our decision to accept your insurance (for example, dangerous activities or a health condition), please call 0800 587 9966 .
2) We will not pay for any loss or damage caused as a result of you not acting in a reasonable way to look after your property.
3) You must take all reasonable steps to get back any lost or stolen articles and you must help the authorities in their efforts to catch and prosecute any guilty people.
4) You must take all reasonable steps to avoid or reduce any loss which may mean that you have to make a claim under this insurance.
5) You must keep to all the terms, conditions and endorsements of this insurance. If you do not, we may not pay your claim or any part of your claim.
6) You must help us get back any money that we have paid from anyone or from other insurers (including the Department of Work and Pensions) by giving us all the details we need and by filling in any forms.
7) If you try to make a fraudulent claim or use any fraudulent means in trying to make a claim, you may be prosecuted and we will not cover your claim.
8) You must give Homebase Travel Claims all the documents they need to deal with any claim.
You will be responsible for any costs involved in doing this.
9) You must keep any articles which are damaged and send them to Homebase Travel Claims if they ask. You must pay any costs involved in doing this.
10) You must agree to have a medical examination if required by us. If you die, we are entitled to have a post mortem examination.
11) You must pay us back, within 1 month of asking,any amounts that we have paid to you which are not covered by this insurance.
12) You must be a permanent resident in the UK and have not spent more than 6 months abroad during the year immediately before you bought or renewed this policy.
13) You must obtain prior authorisation from Homebase Travel Claims if you have to return to the United Kingdom under Sections A, B or H. If you do not, we may reduce the amount we pay for your return to the United Kingdom or we may not provide cover.