Insurewithease.com Gold Travel Insurance

Section B Emergency Medical & Other Expenses
What is covered:
1. If YOU sustain actual bodily injury or suffer illness outside the United Kingdom WE will indemnify YOU up to the amount stated in the Schedule against the following expenses which YOU necessarily incur outside the United Kingdom:
Necessary Medical Expenses including hospital charges and in-patient treatment authorised by US and ambulance charges for conveyance to hospital. Dental treatment up to the limit shown in the schedule is included only for the alleviation of sudden pain, and does not apply to the provision of dentures or artificial teeth and work involving the use of precious materials
2. Reasonable additional travelling expenses in returning to YOUR home address in the United Kingdom and reasonable additional Accommodation expenses for YOU and one relative or friend required on medical advice and authorised by US and OUR Assistance Company to remain with or to travel with YOU.
3. The expense of a qualified medical attendant or other person authorised by US required on medical advice to escort YOU home
4. The cost of returning YOUR body or ashes to YOUR home address in the United Kingdom. This cover includes the cost of a standard transportation container but does not include the cost of an ornamental casket or urn and must be authorized by the Assistance Company. Alternatively WE will pay the cost of burial abroad in the country where death occurs up to a maximum limit of £2,000.
5. If YOU sustain actual bodily injury or suffer illness outside the United Kingdom during the Period of Insurance resulting in admission to a hospital overseas as an in-patient WE will pay YOU a daily benefit for each complete 24 hours YOU are hospitalised up to a maximum stated in the Schedule
United Kingdom trips only:
If YOU sustain actual bodily injury or suffer illness whilst on a trip within the United Kingdom WE will indemnify YOU up to £1,000 against expenses YOU necessarily incur inside the United Kingdom for cover operative in so far as paragraph 2, 3 and 4, (transportation of remains not burial) are concerned.
Special Proviso To Section B
In accepting the cover provided by Section B YOU have given US or OUR Assistance Company permission to approach YOUR United Kingdom General Practitioner for details of YOUR medical records in the event YOU require any form of in-patient treatment following a medical emergency whilst outside the United Kingdom.
Specific Exclusions Applying To Section B
What is not covered:
1. expenses which YOU incur in YOUR normal country of residence (other than 2, 3 or 4 above for United Kingdom trips only)
2. any surgery or MRIS, CT scans or invasive procedure including but not restricted to cardiac catheterisation or organ transplants unless pre-approved by the Assistance Company prior to it being performed.
3. any in-patient hospital treatment or treatment costs in EXCESS of £250 or additional travelling expenses not specifically authorised by US or OUR Assistance Company.
4. any expense which YOU incur more than twelve months after the occurrence of the injury or illness to which the claim refers.
5. any expense which is not usual, reasonable or customary for the medical services and/or supply.
6. any expense for non-essential or ongoing treatment or where treatment can be reasonably delayed until YOU are returned to the United Kingdom or for the cost of a single bed ward unless authorised by OUR Assistance Company detailed below for medical reasons only or for the service of a chiropractor, chiropodist or osteopath or for non-medical costs
7. any private medical treatment carried out in countries operating a reciprocal health care agreement with the UK unless specifically authorised by OUR Assistance Company and only in circumstances where a transfer to a public hospital is impossible. (see also the Specific Exclusions applying to Sections A, B and C detailed below)

Section C Personal Accident
What is covered:
If YOU sustain bodily injury caused solely by accidental, violent, external and visible means and such bodily injury solely and directly results within twelve months in YOUR death or disablement, WE will pay to YOU the benefits shown in the Schedule in accordance with the following items:
Item 1 - Death
Item 2 - Permanent loss by physical severance of hand or foot at or above the wrist or ankle or the total and permanent loss of use of an entire hand or arm or of an entire foot or leg or total and irrecoverable loss of all sight in one or both eyes
Item 3 - Permanent total disablement resulting in YOUR permanent and absolute inability to attend to any profession, business or gainful occupation of any and every kind provided that:
1. if YOU are under 18 years of age the benefit under Item 1 is limited to £2,000
2. if YOU are aged over 65 years Item 1 is limited to £2,000 and no compensation will be payable under items 2 or 3.
Specific Exclusions Applying To Section C
What is not covered:
No compensation will be payable:
1. under more than one of items 1, 2 or 3 and on payment of a claim under any one of these items all liability under this Section will cease in so far as YOU are concerned
2. in respect of claims arising from any medical treatment or illness or disease. (see also the Specific Exclusions applying to Sections A, B and C detailed below)
What is not covered:
Exclusions Applying To Section A, B & C
Claims arising from:
1. All pre-existing medical conditions or if YOU are awaiting or undergoing treatment or YOU are undergoing or awaiting any medical investigations or consultation with a specialist or awaiting diagnosis or test results or (please refer to the Pre-Existing Medical Conditions) Any condition that could reasonably require Medical Treatment during the Period of Insurance.
2. Travel arrangements made or undertaken:
(i) against the advice of any Registered Medical Practitioner
(ii) for the purpose of obtaining medical treatment abroad
3. YOUR intentional self-injury or suicide or attempted suicide or wilful exposure to needless risk (except in the attempt to save a human life)
4. the influence of intoxicating liquor or of a drug or drugs (unless prescribed by a Registered Medical Practitioner), or substance or solvent abuse or venereal disease
5. emotional, psychological or psychiatric disorder, or whilst suffering from any condition of anxiety, stress or depression unless same results in admission to a hospital as an in-patient and is not a pre-existing condition (please refer to the Pre-Existing Medical Conditions)
6. YOU engaging in any Hazardous Pursuits not specified under the Hazardous Pursuits list of this policy
7. Claims arising from pregnancy where the period of the trip terminates less than 16 weeks before the date of delivery as estimated by a Hospital or Registered Medical Practitioner. However where the insurance has been effected prior to confirmation of the pregnancy by such Hospital or Registered Medical practitioner and in the event of YOU effecting immediate CANCELLATION of the trip upon receipt of such
confirmation WE will indemnify YOU under Section A.

Section B Emergency Medical & Other Expenses
What is covered:
5. If YOU sustain actual bodily injury or suffer illness outside the United Kingdom during the Period of Insurance resulting in admission to a hospital overseas as an in-patient WE will pay YOU a daily benefit for each complete 24 hours YOU are hospitalised up to a maximum stated in the Schedule

Section B Emergency Medical & Other Expenses
What is covered:
1. If YOU sustain actual bodily injury or suffer illness outside the United Kingdom WE will indemnify YOU up to the amount stated in the Schedule against the following expenses which YOU necessarily incur outside the United Kingdom:
Necessary Medical Expenses including hospital charges and in-patient treatment authorised by US and ambulance charges for conveyance to hospital. Dental treatment up to the limit shown in the schedule is included only for the alleviation of sudden pain, and does not apply to the provision of dentures or artificial teeth and work involving the use of precious materials
Special Proviso To Section B
In accepting the cover provided by Section B YOU have given US or OUR Assistance Company permission to approach YOUR United Kingdom General Practitioner for details of YOUR medical records in the event YOU require any form of in-patient treatment following a medical emergency whilst outside the United Kingdom.
Specific Exclusions Applying To Section B
What is not covered:
1. expenses which YOU incur in YOUR normal country of residence (other than 2, 3 or 4 above for United Kingdom trips only)
2. any surgery or MRIS, CT scans or invasive procedure including but not restricted to cardiac catheterisation or organ transplants unless pre-approved by the Assistance Company prior to it being performed.
3. any in-patient hospital treatment or treatment costs in EXCESS of £250 or additional travelling expenses not specifically authorised by US or OUR Assistance Company.
4. any expense which YOU incur more than twelve months after the occurrence of the injury or illness to which the claim refers.
5. any expense which is not usual, reasonable or customary for the medical services and/or supply.
6. any expense for non-essential or ongoing treatment or where treatment can be reasonably delayed until YOU are returned to the United Kingdom or for the cost of a single bed ward unless authorised by OUR Assistance Company detailed below for medical reasons only or for the service of a chiropractor, chiropodist or osteopath or for non-medical costs
7. any private medical treatment carried out in countries operating a reciprocal health care agreement with the UK unless specifically authorised by OUR Assistance Company and only in circumstances where a transfer to a public hospital is impossible. (see also the Specific Exclusions applying to Sections A, B and C detailed below)

Section B Emergency Medical & Other Expenses
What is covered:
4. The cost of returning YOUR body or ashes to YOUR home address in the United Kingdom. This cover includes the cost of a standard transportation container but does not include the cost of an ornamental casket or urn and must be authorized by the Assistance Company. Alternatively WE will pay the cost of burial abroad in the country where death occurs up to a maximum limit of £2,000.

Section B Emergency Medical & Other Expenses
What is covered:
4. The cost of returning YOUR body or ashes to YOUR home address in the United Kingdom. This cover includes the cost of a standard transportation container but does not include the cost of an ornamental casket or urn and must be authorized by the Assistance Company. Alternatively WE will pay the cost of burial abroad in the country where death occurs up to a maximum limit of £2,000.

Section F - Money
What is covered:
WE will indemnify YOU up to the amount stated in the Schedule in respect of accidental loss or theft of MONEY whilst on YOUR person or whilst in a safety deposit box within a hotel or bank or whilst in YOUR securely locked accommodation under YOUR control.
Provided that:
1. YOU take reasonable precautions for the safety of the property insured
2. YOU must supply at YOUR own expense a Statutory Declaration regarding any claim arising under this section of the Policy if so required
3. OUR limit of liability in respect of cash being carried on any one person is £250 (for persons aged under 18 years the loss of cash limit is £50)
Specific Exclusions Applying To Section F
What is not covered:
Shortages of MONEY due to error or omission or depreciation in value or currency transfers costs (see also the Specific Exclusions applying to Sections E, F and G below)

Section I Legal Expenses
Definitions which only apply to this Section
Appointed Lawyer The lawyer or other suitably qualified person, who has been appointed to act for YOU under conditions 2 to 8 of this section.
Legal Costs All reasonable and necessary costs charged by the appointed lawyer on a standard basis. Also the opponent's costs in civil cases if YOU have to pay them, or pay them with OUR agreement.
Date Of The Incident The date the incident happened that may lead to a claim. If there is more than one event arising at the same time or from the same cause, then the date of the incident is the date of the first of these events.
Insured Incident An event which causes the death of, or bodily injury to, YOU.
What is covered:
Under this section, WE will negotiate for YOUR legal rights after an Insured Incident. WE will also help in appealing or defending an appeal. If YOU use an Appointed Lawyer, WE will pay the legal costs for this. The most WE will pay for all claims for an Insured Incident, resulting from one or more event arising at the same time or from the same cause is shown in the Schedule of Maximum Sums Insured. WE agree to provide legal expenses cover, keeping to the terms, conditions and exclusions, as long as:
- any legal proceedings will be dealt with by a court or other body which WE agree to;
- in civil claims, it is always more likely than not that YOU will recover damages (or other legal remedy) or make a successful defence; and
- the Insured Incident happens during the Period of Insurance As well as the general conditions, the following exclusions and conditions apply
Specific Exclusions Applying To Section I
What is not covered:
1. Any claim reported to US more than 180 days after the date YOU should have known about the Insured Incident.
2. Any legal costs incurred before WE agree to pay them.
3. Any claim relating to:
a) any illness that develops gradually or is not caused by a specific or sudden accident;
b) YOU driving a motor vehicle for which YOU do not have valid motor insurance;
c) an application for Judicial Review.
4. Defending YOUR legal rights but defending a counter claim is covered.
5. Any disagreement with US that is not in condition 17 of this section.
6. Any legal action YOU take which WE or the Lawyer have not agreed to or where YOU do anything that hinders US or the Lawyer.
7. any legal action against the travel agent, tour operator, carrier, any of the Insurers listed on this policy or their agents.
8. Fines, damages or other penalties which YOU are ordered to pay.
YOU must do the following:
1. Send everything WE ask for in writing and give US full details of any claim, and any information WE need, as soon as possible.
2. WE can take over and conduct, in YOUR name, any claim or legal proceedings at any time before an Appointed Lawyer is appointed. WE can negotiate any claim on YOUR behalf.
3. If WE agree to start legal proceedings and YOU have to be represented by a lawyer, or if there is a conflict of interest, YOU can choose an Appointed Lawyer by sending US the lawyer's name and address. WE may choose not to accept the choice of lawyer, but only in exceptional circumstances. If YOU and WE disagree over the choice of Lawyer, another lawyer can be appointed to decide the matter (see condition 17).
4. Before YOU choose a lawyer, WE can appoint a Lawyer.
5. WE will appoint a Lawyer to represent YOU according to OUR standard terms of appointment. The Appointed Lawyer must co-operate fully with US at all times.
6. WE will have direct contact with the Lawyer.
7. YOU must co-operate fully with US and the Lawyer and must keep US up-to-date with the progress of the claim.
8. YOU must give the Lawyer any instructions that WE ask for.
9. YOU must tell US if anyone offers to settle the claim.
10. If YOU do not accept a reasonable offer to settle a claim, WE may refuse to pay further legal costs.
11. YOU must not negotiate or agree to settle a claim without OUR approval.
12. WE may decide to pay YOU the amount of damages that YOU are claiming or is being claimed against YOU instead of starting or continuing legal proceedings.
13. If WE ask, YOU must tell the Lawyer to have legal costs taxed, assessed or audited.
14. YOU must take every step to recover legal costs that WE have to pay and must pay US any legal costs that YOU recover.
15. If YOUR Appointed Lawyer refuses to continue acting for YOU or if YOU dismiss YOUR Lawyer, the cover WE provide will end at once, unless WE agree to appoint another Lawyer.
16. If YOU stop a claim without OUR agreement, or do not give suitable instructions to YOUR lawyer, the cover WE provide will end at once.
17. If WE and YOU disagree about the choice of Lawyer, or about how a claim is handled. WE and YOU can choose another lawyer to decide the matter. WE and YOU must both agree to this in writing. If WE cannot agree with YOU about the choice of second lawyer, WE will ask the president of a relevant national law society to choose a lawyer. Whoever loses the disagreement will have to pay the costs of settling it.

Section G Passport, Tickets & Documents
What is covered:
WE will indemnify YOU up to the amount stated in the Schedule for
(a) the reasonable costs in obtaining a replacement passport (or travel document) to enable YOU to return to the United Kingdom following the accidental loss or theft of YOUR Passport whilst outside the United Kingdom
(b) the irrecoverable costs of travel tickets, green card, petrol coupons, driving licence or phone cards following accidental loss or theft
Exclusions Applying To Sections E, F & G
What is not covered:
1. loss due to delay, detention, confiscation, requisition or damage by Customs or other Officials or Authorities
2. loss or theft unless a) YOU have reported the loss or theft to the nearest Police authority within 24 hours of discovery and b) YOU have obtained a written Police report
3. loss of or theft of:
(a) VALUABLES, Passports or MONEY from an UNATTENDED vehicle at any time.
(b) Other property insured from an UNATTENDED motor vehicle unless the vehicle was securely closed and locked, and such property placed out of sight in the locked boot or in a locked compartment within the
vehicle, but in any event excluding all property insured whilst left in an UNATTENDED motor vehicle between 2000 hours and 0800 hours local time, other than motor homes or caravans which are being occupied by YOU as YOUR holiday accommodation.
4. theft of property left UNATTENDED other than as provided above or whilst in YOUR securely locked accommodation.
5. loss of or theft of VALUABLES or MONEY whilst in a suitcase or holdall or bag or similar receptacle outside YOUR immediate control.

Section G Passport, Tickets & Documents
What is covered:
WE will indemnify YOU up to the amount stated in the Schedule for
(a) the reasonable costs in obtaining a replacement passport (or travel document) to enable YOU to return to the United Kingdom following the accidental loss or theft of YOUR Passport whilst outside the United Kingdom
(b) the irrecoverable costs of travel tickets, green card, petrol coupons, driving licence or phone cards following accidental loss or theft
Exclusions Applying To Sections E, F & G
What is not covered:
1. loss due to delay, detention, confiscation, requisition or damage by Customs or other Officials or Authorities
2. loss or theft unless a) YOU have reported the loss or theft to the nearest Police authority within 24 hours of discovery and b) YOU have obtained a written Police report
3. loss of or theft of:
(a) VALUABLES, Passports or MONEY from an UNATTENDED vehicle at any time.
(b) Other property insured from an UNATTENDED motor vehicle unless the vehicle was securely closed and locked, and such property placed out of sight in the locked boot or in a locked compartment within the
vehicle, but in any event excluding all property insured whilst left in an UNATTENDED motor vehicle between 2000 hours and 0800 hours local time, other than motor homes or caravans which are being occupied by YOU as YOUR holiday accommodation.
4. theft of property left UNATTENDED other than as provided above or whilst in YOUR securely locked accommodation.
5. loss of or theft of VALUABLES or MONEY whilst in a suitcase or holdall or bag or similar receptacle outside YOUR immediate control.

Section K Mugging Benefit
What is covered:
If YOU sustain actual bodily injury as a result of a MUGGING attack during the PERIOD OF INSURANCE resulting in medical treatment necessitating admission to an overseas hospital, WE will pay YOU a benefit per complete 24 hours YOU are hospitalised abroad up to the maximum stated in the Schedule.
Provided that:
1. The incident was reported to the nearest Police Authority within 12 hours of the incident occurring and a written Police Report is obtained.
2. YOU produce independent evidence in writing in support of any claim.
Specific Exclusions Applying To Section K
What is not covered:
Claims arising from:
1. YOU being under the influence of intoxicating liquor or of a drug or drugs, or of substance or solvent abuse.
2. YOUR intentional self-injury or YOUR wilful exposure to risk or YOUR deliberate acts.

Section P1 - Winter sports Equipment
What is covered:
1. If YOUR snowboard or skis (including bindings) boots and poles are lost, destroyed or stolen, WE will pay YOU up to the limit shown in the schedule subject to the following depreciation scale based on the original purchase price of the equipment and the age of the item(s)
80% under 6 months old.
60% over six months old and less than one year.
50% over one year old and less than two years.
40% over two years old and less than three years.
30% over three years old and less than four years.
20% over four years old and less than five years.
10% if over five years.
2. YOU will be covered for repair costs up to the values shown above if YOUR snowboard or ski equipment is damaged.
3. If YOUR hired equipment is lost, stolen or damaged WE will pay up to £100 for replacement or repair if YOU are held responsible.

Section P1 - Winter sports Equipment
What is covered:
1. If YOUR snowboard or skis (including bindings) boots and poles are lost, destroyed or stolen, WE will pay YOU up to the limit shown in the schedule subject to the following depreciation scale based on the original purchase price of the equipment and the age of the item(s)
80% under 6 months old.
60% over six months old and less than one year.
50% over one year old and less than two years.
40% over two years old and less than three years.
30% over three years old and less than four years.
20% over four years old and less than five years.
10% if over five years.
2. YOU will be covered for repair costs up to the values shown above if YOUR snowboard or ski equipment is damaged.
3. If YOUR hired equipment is lost, stolen or damaged WE will pay up to £100 for replacement or repair if YOU are held responsible.

Section P1 - Winter sports Equipment
What is covered:
1. If YOUR snowboard or skis (including bindings) boots and poles are lost, destroyed or stolen, WE will pay YOU up to the limit shown in the schedule subject to the following depreciation scale based on the original purchase price of the equipment and the age of the item(s)
80% under 6 months old.
60% over six months old and less than one year.
50% over one year old and less than two years.
40% over two years old and less than three years.
30% over three years old and less than four years.
20% over four years old and less than five years.
10% if over five years.
2. YOU will be covered for repair costs up to the values shown above if YOUR snowboard or ski equipment is damaged.
3. If YOUR hired equipment is lost, stolen or damaged WE will pay up to £100 for replacement or repair if YOU are held responsible.

Section P3 - Ski Pack (lessons, hire, lift pass)
What is covered:
If YOU fall ill or are injured during the trip and WE accept a valid claim under Section B (Medical Expenses), YOU will be covered for the proportional costs of the part of the ski pack which YOU cannot use. Ski pack expenses are limited to irrecoverable pre-paid costs for ski lessons, ski equipment hire and lift passes incurred prior to the date of the illness or injury that gave rise to the claim.
Specific Exclusions Applying To Section P3
What is not covered:
YOU are not covered for claims arising from circumstances that are normally excluded from Section B (Medical Expenses)

Section P - Winter sports Extension
3. Ski lift passes are included in the cover provided by section F & G (MONEY and Documents) of this travel policy.

Section P4 - Piste Closure
What is covered:
This cover is only available for holidays starting after 1st January and ending before 1st April. If adverse weather conditions cause the total closure of all ski facilities for more than one day at the resort YOU are booked into, YOU will be covered for a daily benefit up to the limits shown in the schedule for reasonable additional transport costs and lift hire costs to enable YOU to ski in a different resort. If it is not possible to arrange transport to a different resort, YOU will receive the daily benefit for each whole day's skiing lost.
Specific Exclusions Applying To Section P4
What is not covered
1. YOU will not be covered for any amount YOU can get back from someone or somewhere else.
2. YOU will not be covered if YOU booked the trip within 14 days of going on the trip.
Conditions:
1. Cover will only apply for as long as there are adverse weather conditions closing all skiing facilities at YOUR resort.
2. Cover will only apply if YOUR resort area has ski facilities above 1600 metres.
3. YOU must get written confirmation from the appropriate piste authority to confirm that all pistes were closed or that it was not possible to travel to another resort.

Section P4 - Piste Closure
What is covered:
This cover is only available for holidays starting after 1st January and ending before 1st April. If adverse weather conditions cause the total closure of all ski facilities for more than one day at the resort YOU are booked into, YOU will be covered for a daily benefit up to the limits shown in the schedule for reasonable additional transport costs and lift hire costs to enable YOU to ski in a different resort. If it is not possible to arrange transport to a different resort, YOU will receive the daily benefit for each whole day's skiing lost.
Specific Exclusions Applying To Section P4
What is not covered
1. YOU will not be covered for any amount YOU can get back from someone or somewhere else.
2. YOU will not be covered if YOU booked the trip within 14 days of going on the trip.
Conditions:
1. Cover will only apply for as long as there are adverse weather conditions closing all skiing facilities at YOUR resort.
2. Cover will only apply if YOUR resort area has ski facilities above 1600 metres.
3. YOU must get written confirmation from the appropriate piste authority to confirm that all pistes were closed or that it was not possible to travel to another resort.

Section P4 - Piste Closure
What is covered:
This cover is only available for holidays starting after 1st January and ending before 1st April. If adverse weather conditions cause the total closure of all ski facilities for more than one day at the resort YOU are booked into, YOU will be covered for a daily benefit up to the limits shown in the schedule for reasonable additional transport costs and lift hire costs to enable YOU to ski in a different resort. If it is not possible to arrange transport to a different resort, YOU will receive the daily benefit for each whole day's skiing lost.
Specific Exclusions Applying To Section P4
What is not covered
1. YOU will not be covered for any amount YOU can get back from someone or somewhere else.
2. YOU will not be covered if YOU booked the trip within 14 days of going on the trip.
Conditions:
1. Cover will only apply for as long as there are adverse weather conditions closing all skiing facilities at YOUR resort.
2. Cover will only apply if YOUR resort area has ski facilities above 1600 metres.
3. YOU must get written confirmation from the appropriate piste authority to confirm that all pistes were closed or that it was not possible to travel to another resort.

Section P5 - Avalanche Closure
What is covered:
If YOUR arrival at, or departure from, YOUR resort is delayed for more than 12 hours due to avalanche, landslide or landslip, YOU will be covered for reasonable extra travel and accommodation expenses up to the limits shown in the schedule for each full 24 hours that YOU are delayed.
Specific Exclusions Applying Section P5
What is not covered:
1. YOU will not be covered if the tour operator pays for YOUR extra travel and accommodation costs.
2. If YOU receive compensation from someone or somewhere else, WE will take this off YOUR claim.

Section P2 - Winter sports Equipment Hire
What is covered:
If YOUR own equipment is lost, stolen or damaged after commencement of the Outward Journey, YOU will be covered for the reasonable cost of hiring a snowboard or skis (including bindings), boots and poles during YOUR trip up to the limit shown in the schedule.
Specific Exclusions Applying To Sections P1 And P2
What is not covered:
1. YOU are not covered for the following
(a) Loss of, theft of or damage to YOUR winter sports equipment during YOUR Outward or Return Journey if YOU do not get a written 'carrier's report', or a 'Property Irregularity Report' in the case of an airline. If YOU cannot report the loss, theft or damage to the carrier straight away, YOU must do so in writing within seven days
(b) Loss or theft of YOUR winter SPORTS EQUIPMENT at any other time if YOU do not report the loss or theft to the police within 24 hours of discovering it and get a police report from them
(c) Loss or damage caused by delay, wear and tear, moths, vermin, weather and atmospheric conditions or mechanical failure
(d) Loss of or theft of or damage to property left in or on a vehicle overnight.
2. YOU are not covered for claims for which YOU receive compensation from someone else.
3. YOU are not covered for more than the limit shown in the schedule for any one snowboard or pair of skis (including bindings), boots or poles.
Conditions:
1. YOU must take proper care of YOUR belongings and act as if YOU did not have this insurance policy.
2. YOU must keep any of YOUR own damaged property so that WE can inspect it. When WE make a payment for that property, it will then belong to US.

Section P2 - Winter sports Equipment Hire
What is covered:
If YOUR own equipment is lost, stolen or damaged after commencement of the Outward Journey, YOU will be covered for the reasonable cost of hiring a snowboard or skis (including bindings), boots and poles during YOUR trip up to the limit shown in the schedule.
Specific Exclusions Applying To Sections P1 And P2
What is not covered:
1. YOU are not covered for the following
(a) Loss of, theft of or damage to YOUR winter sports equipment during YOUR Outward or Return Journey if YOU do not get a written 'carrier's report', or a 'Property Irregularity Report' in the case of an airline. If YOU cannot report the loss, theft or damage to the carrier straight away, YOU must do so in writing within seven days
(b) Loss or theft of YOUR winter SPORTS EQUIPMENT at any other time if YOU do not report the loss or theft to the police within 24 hours of discovering it and get a police report from them
(c) Loss or damage caused by delay, wear and tear, moths, vermin, weather and atmospheric conditions or mechanical failure
(d) Loss of or theft of or damage to property left in or on a vehicle overnight.
2. YOU are not covered for claims for which YOU receive compensation from someone else.
3. YOU are not covered for more than the limit shown in the schedule for any one snowboard or pair of skis (including bindings), boots or poles.
Conditions:
1. YOU must take proper care of YOUR belongings and act as if YOU did not have this insurance policy.
2. YOU must keep any of YOUR own damaged property so that WE can inspect it. When WE make a payment for that property, it will then belong to US.

Section P - Winter sports Extension
WINTER SPORTS
1. This cover is provided only if YOU are under 65 and have paid the premium required. Below are the details of winter sports cover provided by this extension.
YOU will be covered under all sections for the following winter sports: cross country skiing, curling, downhill skiing/snowboarding and ice-skating. Skiing and snowboarding off-piste is covered provided YOU are skiing within the boundaries of a recognised resort area designed for public use and are not skiing in areas marked out of bounds or hazardous by the piste authorities.

Section E Personal Possessions
What is covered:
WE will indemnify YOU
1. For loss of or theft of or damage to PERSONAL POSSESSIONS belonging to YOU up to the amount stated in the Schedule (no single article being insured for more than the limit shown. A camera or camcorder with all accessories, a bracelet or necklet with any attachment and any similar set or pair of items will be considered as one article).
2. For loss of or theft of or damage to SPORTS EQUIPMENT belonging to YOU up to the amount stated in the Schedule (no single article being insured for more than the limit shown).
3. The cost of necessary purchase of replacement clothing and toiletries if YOU are temporarily deprived of YOUR PERSONAL POSSESSIONS on the Outward Journey for a period of more than 24 hours from the time of arrival at YOUR destination due to their delay or misdirection in delivery up to the amount stated in the Schedule under Delayed Baggage.
Provided that:
1. YOU take all reasonable precautions for the safety of the property insured.
2. OUR liability in respect of VALUABLES is limited to a total amount shown in the schedule.
3. any claims payment made in respect of temporary deprivation of PERSONAL POSSESSIONS will be deducted from any subsequent claim where the property insured proves to be permanently lost. YOU must keep receipts for all replacement purchases
4. YOU must supply at YOUR own expense a Statutory Declaration regarding any claim arising under this section of the Policy if WE so require.
Specific Exclusions Applying To Section E
What is not covered:
1. loss or damage arising from wear and tear or depreciation or deterioration or any process of cleaning or repairing or restoring or atmospheric or climatic conditions or moth or vermin or electrical or mechanical breakdown or derangement
2. loss of or theft of or damage to contact or corneal lenses, prescription or sunglasses over £75 in value, dentures, hearing aids, mobile telephones, samples or merchandise or property used in connection with YOUR business or trade, bonds, coupons, securities, stamps or documents of any kind, vehicles or accessories, antiques, pictures, SPORTS EQUIPMENT whilst in use, boats and/or ancillary equipment
including windsurfing equipment and sailboards, caravan awnings, glass, china or any other articles of a brittle or fragile nature
3. loss of or damage to property shipped as freight or under a bill of lading (see also the Specific Exclusions applying to Sections E, F and G detailed below)

Section E Personal Possessions
What is covered:
WE will indemnify YOU
1. For loss of or theft of or damage to PERSONAL POSSESSIONS belonging to YOU up to the amount stated in the Schedule (no single article being insured for more than the limit shown. A camera or camcorder with all accessories, a bracelet or necklet with any attachment and any similar set or pair of items will be considered as one article).
2. For loss of or theft of or damage to SPORTS EQUIPMENT belonging to YOU up to the amount stated in the Schedule (no single article being insured for more than the limit shown).
3. The cost of necessary purchase of replacement clothing and toiletries if YOU are temporarily deprived of YOUR PERSONAL POSSESSIONS on the Outward Journey for a period of more than 24 hours from the time of arrival at YOUR destination due to their delay or misdirection in delivery up to the amount stated in the Schedule under Delayed Baggage.
Provided that:
1. YOU take all reasonable precautions for the safety of the property insured.
2. OUR liability in respect of VALUABLES is limited to a total amount shown in the schedule.
3. any claims payment made in respect of temporary deprivation of PERSONAL POSSESSIONS will be deducted from any subsequent claim where the property insured proves to be permanently lost. YOU must keep receipts for all replacement purchases
4. YOU must supply at YOUR own expense a Statutory Declaration regarding any claim arising under this section of the Policy if WE so require.
Specific Exclusions Applying To Section E
What is not covered:
1. loss or damage arising from wear and tear or depreciation or deterioration or any process of cleaning or repairing or restoring or atmospheric or climatic conditions or moth or vermin or electrical or mechanical breakdown or derangement
2. loss of or theft of or damage to contact or corneal lenses, prescription or sunglasses over £75 in value, dentures, hearing aids, mobile telephones, samples or merchandise or property used in connection with YOUR business or trade, bonds, coupons, securities, stamps or documents of any kind, vehicles or accessories, antiques, pictures, SPORTS EQUIPMENT whilst in use, boats and/or ancillary equipment
including windsurfing equipment and sailboards, caravan awnings, glass, china or any other articles of a brittle or fragile nature
3. loss of or damage to property shipped as freight or under a bill of lading (see also the Specific Exclusions applying to Sections E, F and G detailed below)

Section A Cancellation or Curtailment
What is covered:
WE will indemnify YOU for
(a) unused charges associated with YOUR trip that are not refundable and which were incurred before YOUR departure date if YOU have to cancel YOUR trip or
(b) the extra cost of a one way airfare of a standard no greater than the class of journey on the Outward Journey or the applicable fee charged by the airline to change YOUR scheduled return date, and the unused non-refundable prepaid Accommodation costs and other land arrangements following CURTAILMENT of YOUR trip as a result of any of the circumstances detailed below:
1. YOUR death, accidental bodily injury or illness, or that of a relative or a friend with whom YOU have arranged to travel or stay, or of YOUR CLOSE RELATIVE or of a Close BUSINESS ASSOCIATE
2. YOU or any person with whom YOU have arranged to travel or stay being subject to compulsory quarantine or being summoned for Jury Service or as a witness in a Court of Law or for Military Service during the period of the trip
3. YOUR redundancy (qualifying YOU to claim for payment under current Redundancy Payment Legislation) and that of any person with whom YOU intend to travel provided that such notice of redundancy is advised to US within 14 days of its announcement.
4. YOUR private dwelling becoming uninhabitable following fire, storm or flood, or YOUR presence being required by the Police following burglary at such private dwelling occurring at any time after WE have accepted this Insurance
5. CANCELLATION or interruption of scheduled public transport consequent upon HIJACK occurring during the Period of Insurance.
6. Reasonable additional travelling expenses incurred by YOU in returning to YOUR home address in the United Kingdom, where such return is urgently necessitated by the death, serious illness or severe injury of YOUR Close Relative or a Close BUSINESS ASSOCIATE provided that such CLOSE RELATIVE or Close BUSINESS ASSOCIATE is resident in the United Kingdom.
IN THE EVENT THAT YOUR TRIP IS CURTAILED DUE TO YOUR ACCIDENT OR ILLNESS A DOCTOR AT THE RESORT OR THE NEAREST TOWN MUST CONFIRM THAT SUCH CURTAILMENT WAS MEDICALLY NECESSARY. ALL CURTAILMENT COSTS MUST BE AUTHORISED IN ADVANCE BY THE ASSISTANCE COMPANY OR BY US.
Specific Exclusions Applying To Section A
What is not covered:
1. any expense following YOUR disinclination to travel or to continue with YOUR trip or loss of enjoyment on YOUR trip
2. any expense arising from circumstances which could reasonably have been anticipated at the time YOU booked YOUR trip (see also the Specific Exclusions applying to Sections A, B and C in the policy)

Section D Travel Delay & Missed Departure
What is covered:
1. If as a direct result of the outbreak of Strike or Industrial Action or weather conditions affecting scheduled public transport which has been the subject of ADVANCED BOOKING by YOU, or mechanical or electrical breakdown of motor transport or train or aircraft or watercraft which has been the subject of ADVANCED BOOKING by YOU occurring after the date of commencement of cover, the departure time of the Outward Journey or RETURN JOURNEY takes place more than 12 hours after the departure time appearing on YOUR ticket, WE will indemnify YOU as shown below:
(i) Delay Compensation - An amount as stated in the Schedule
(ii) CANCELLATION Compensation - If YOU elect to cancel the Outward Journey after a delay exceeding 24 hours as described above WE will indemnify YOU in respect of irrecoverable travel or ACCOMMODATION deposits or charges paid or contracted to be paid under Section A
2. If YOU miss YOUR booked departure due to late arrival at the point of international departure caused by accident or electrical or mechanical breakdown to the conveyance in which YOU are travelling, or to exceptional and unforeseeable traffic conditions, in the course of:-
(a) YOUR direct journey to the point of international departure immediately prior to commencement of the Outward Journey from the United Kingdom, or
(b) YOUR direct journey to the point of international departure immediately prior to commencement of the Return Journey to the United Kingdom WE will pay up to the limit stated in the Schedule for additional travel charges which YOU necessarily and reasonably incur in the purchase of a ticket for an alternative journey.
Provided that:
1. any payment WE make in respect of 1 (i) above for delays in the Outward Journey will be deducted from any subsequent payment made under 1 (ii)
2. in respect of 1 above YOU must check-in according to the itinerary provided by the Tour Operator or Carrier, and obtain written confirmation of the delay from such Tour Operator or Carrier
3. compensation as described in 1 (ii) above is only payable in respect of delays on the Outward Journey from the United Kingdom
4. YOU must produce independent evidence in writing to support any claim
5. OUR limit of liability under 1 (ii) will not exceed the amount stated in the Schedule for Section A CANCELLATION
6. in respect of 2 above YOU must take all reasonable steps to arrive at the departure point at or before the recommended check in time and have allowed sufficient time for YOUR journey.
Specific Exclusions Applying To Section D
What is not covered:
1. circumstances which could reasonably have been anticipated at the date this insurance was effected
2. withdrawal from service (temporary or otherwise) of an aircraft or sea vessel on the recommendation of the Civil Aviation Authority or a Port Authority or any similar body in any country
3. any EXCESS shown in the Schedule for item 1 (ii).

Section D Travel Delay & Missed Departure
What is covered:
1. If as a direct result of the outbreak of Strike or Industrial Action or weather conditions affecting scheduled public transport which has been the subject of ADVANCED BOOKING by YOU, or mechanical or electrical breakdown of motor transport or train or aircraft or watercraft which has been the subject of ADVANCED BOOKING by YOU occurring after the date of commencement of cover, the departure time of the Outward Journey or RETURN JOURNEY takes place more than 12 hours after the departure time appearing on YOUR ticket, WE will indemnify YOU as shown below:
(i) Delay Compensation - An amount as stated in the Schedule
(ii) CANCELLATION Compensation - If YOU elect to cancel the Outward Journey after a delay exceeding 24 hours as described above WE will indemnify YOU in respect of irrecoverable travel or ACCOMMODATION deposits or charges paid or contracted to be paid under Section A
2. If YOU miss YOUR booked departure due to late arrival at the point of international departure caused by accident or electrical or mechanical breakdown to the conveyance in which YOU are travelling, or to exceptional and unforeseeable traffic conditions, in the course of:-
(a) YOUR direct journey to the point of international departure immediately prior to commencement of the Outward Journey from the United Kingdom, or
(b) YOUR direct journey to the point of international departure immediately prior to commencement of the Return Journey to the United Kingdom WE will pay up to the limit stated in the Schedule for additional travel charges which YOU necessarily and reasonably incur in the purchase of a ticket for an alternative journey.
Provided that:
1. any payment WE make in respect of 1 (i) above for delays in the Outward Journey will be deducted from any subsequent payment made under 1 (ii)
2. in respect of 1 above YOU must check-in according to the itinerary provided by the Tour Operator or Carrier, and obtain written confirmation of the delay from such Tour Operator or Carrier
3. compensation as described in 1 (ii) above is only payable in respect of delays on the Outward Journey from the United Kingdom
4. YOU must produce independent evidence in writing to support any claim
5. OUR limit of liability under 1 (ii) will not exceed the amount stated in the Schedule for Section A CANCELLATION
6. in respect of 2 above YOU must take all reasonable steps to arrive at the departure point at or before the recommended check in time and have allowed sufficient time for YOUR journey.
Specific Exclusions Applying To Section D
What is not covered:
1. circumstances which could reasonably have been anticipated at the date this insurance was effected
2. withdrawal from service (temporary or otherwise) of an aircraft or sea vessel on the recommendation of the Civil Aviation Authority or a Port Authority or any similar body in any country
3. any EXCESS shown in the Schedule for item 1 (ii).

Section A Cancellation or Curtailment
What is covered:
WE will indemnify YOU for
(a) unused charges associated with YOUR trip that are not refundable and which were incurred before YOUR departure date if YOU have to cancel YOUR trip or
(b) the extra cost of a one way airfare of a standard no greater than the class of journey on the Outward Journey or the applicable fee charged by the airline to change YOUR scheduled return date, and the unused non-refundable prepaid Accommodation costs and other land arrangements following CURTAILMENT of YOUR trip as a result of any of the circumstances detailed below:
1. YOUR death, accidental bodily injury or illness, or that of a relative or a friend with whom YOU have arranged to travel or stay, or of YOUR CLOSE RELATIVE or of a Close BUSINESS ASSOCIATE
2. YOU or any person with whom YOU have arranged to travel or stay being subject to compulsory quarantine or being summoned for Jury Service or as a witness in a Court of Law or for Military Service during the period of the trip
3. YOUR redundancy (qualifying YOU to claim for payment under current Redundancy Payment Legislation) and that of any person with whom YOU intend to travel provided that such notice of redundancy is advised to US within 14 days of its announcement.
4. YOUR private dwelling becoming uninhabitable following fire, storm or flood, or YOUR presence being required by the Police following burglary at such private dwelling occurring at any time after WE have accepted this Insurance
5. CANCELLATION or interruption of scheduled public transport consequent upon HIJACK occurring during the Period of Insurance.
6. Reasonable additional travelling expenses incurred by YOU in returning to YOUR home address in the United Kingdom, where such return is urgently necessitated by the death, serious illness or severe injury of YOUR Close Relative or a Close BUSINESS ASSOCIATE provided that such CLOSE RELATIVE or Close BUSINESS ASSOCIATE is resident in the United Kingdom.
IN THE EVENT THAT YOUR TRIP IS CURTAILED DUE TO YOUR ACCIDENT OR ILLNESS A DOCTOR AT THE RESORT OR THE NEAREST TOWN MUST CONFIRM THAT SUCH CURTAILMENT WAS MEDICALLY NECESSARY. ALL CURTAILMENT COSTS MUST BE AUTHORISED IN ADVANCE BY THE ASSISTANCE COMPANY OR BY US.
Specific Exclusions Applying To Section A
What is not covered:
1. any expense following YOUR disinclination to travel or to continue with YOUR trip or loss of enjoyment on YOUR trip
2. any expense arising from circumstances which could reasonably have been anticipated at the time YOU booked YOUR trip (see also the Specific Exclusions applying to Sections A, B and C in the policy)

Section H Personal Liability
What is covered:
1. WE will indemnify YOU against all sums up to the amount stated in the Schedule which YOU are legally liable in a personal capacity to pay in respect of accidents happening during the Period of Insurance resulting in: Bodily injury, death or disease to any person not being a member of YOUR FAMILY or household or in YOUR service
2. Damage to property not belonging to YOU or in the charge of or under the control of YOU or a member of YOUR FAMILY or household or of a person in YOUR service N.B. For accidental damage to rented accommodation WE will pay up to £100,000 for a single incident which YOU are legally responsible for. The indemnity provided by this Section extends to cover costs and expenses recoverable by any claimant, provided they were incurred before the date (if any) on which WE paid or offered to pay either the full amount of the claim or the total amount recoverable, in respect of any one occurrence and also to costs and expenses incurred by YOU with OUR written consent. In the event of YOUR death YOUR personal representative will receive the benefit of the cover granted by this section.
Specific Exclusions Applying To Section H
What is not covered:
1. Claims arising:
(i) directly or indirectly out of the ownership, possession or use (other than as a passenger having no right of control) of aircraft, model aircraft, caravans, trailers, motorised or electrically propelled water-borne craft, sailing vessels, wind surfers, mechanically or electrically propelled vehicles or conveyances or attached trailers and lifts
(ii) directly or indirectly out of the ownership, possession or use of animals or firearms
(iii) from any Hazardous Pursuit
(iv) directly or indirectly out of or incidental to YOUR business or trade or profession including voluntary work or any form of child minding
(v) out of actions between persons insured by US
(vi) directly or indirectly out of YOUR ownership possession or control of any land or buildings
(vii) out of any liability assumed under a contract unless such liability would have attached in any event in the absence of such contract
(viii) directly or indirectly due to an infectious disease
2. Any EXCESS shown in the Schedule for 2 above.

Section M - Kennel Fees
What is covered:
In the event of a delay of more than 12 hours to YOUR final planned inbound flight, rail or sea trip to the United Kingdom or Republic of Ireland, WE will indemnify YOU up to the amount stated in the Schedule of Cover in respect of additional kennel and/or cattery fees necessarily incurred as a direct result of the delay.
Specific Exclusions Applying To Section M
What is not covered:
1. claims not substantiated by a written report from the carrier stating the length and exact nature of the delay.
2. claims arising from delay caused by strike or industrial action if already notified at the time the insurance was purchased.

Section L Catastrophe
What is covered:
WE will pay YOU up to the limit shown in the Schedule should YOU be forced to move from YOUR pre-booked and pre-paid ACCOMMODATION outside of the United Kingdom as a result of fire, lightning, explosion, earthquake, storm, tempest, hurricane, flood, medical epidemic or local Government directive occurring while YOU are abroad and which is confirmed in writing by local or national authority for the additional irrecoverable travel or ACCOMMODATION costs necessarily incurred to continue with YOUR prepaid trip or, if the trip cannot be continued, for YOUR return to the United Kingdom.
Specific Exclusions Applying To Section L
What is not covered:
No compensation will be payable for:
1. Any expense following YOUR disinclination to travel or to continue with YOUR trip when official directives from the local or national authority state it is acceptable to do so.
2. Any cost or expense payable by or recoverable from the tour operator, airline, hotel or other provider of services.
3. Any cost or expense resulting from circumstances existing prior to YOUR arrival at YOUR pre-paid and pre-booked accommodation

Important Information And Conditions Applying To All Sections
1. LIMIT OF COVER
Each section of the personal insurance schedule shows the most YOU can claim, but other limits may apply. For example, under section C (PERSONAL ACCIDENT), the death benefit for persons aged 18-65 is limited to £2,000.
2. HAZARDOUS PURSUITS
YOU are not covered for taking part in any HAZARDOUS PURSUIT unless it is listed below. If YOU are going to take part in any activity which may be considered dangerous or Hazardous that is not detailed below please contact the selling agent who will contact US to see if WE can provide cover. Please note that under Section H (Personal Liability) YOU will not be covered for liability caused directly or indirectly by YOUR owning or using any firearms or weapons, animal, aircraft, motorised vehicle, boat and other watercraft, or any form of motorised leisure equipment, including jet skis and snowmobiles. The following sporting activities when participated in for recreational purposes incidental to a trip and not in organized competitions or in any professional capacity are not considered to be HAZARDOUS PURSUITS and are not subject to the special provisions of the endorsement below:
Roller Skating, Basket Ball, Bowls, Snorkelling, Cricket, Cycling, Squash, Tennis, Volley Ball, Fishing, Water Polo, Golf, Racket Ball, Rambling, Badminton, Rounders, Football. Cover for the following
activities that are considered to be HAZARDOUS PURSUITS is included for recreational purposes only and not for competitions or any professional activity subject to the following endorsement:
The exclusion of HAZARDOUS PURSUITS in the General Exclusions is deleted only with respect to cover under Section B Medical and Other Expenses and under Section A CURTAILMENT cover (but not CANCELLATION) for participation in the following HAZARDOUS PURSUITS on a non-professional (amateur) and recreational basis provided that YOU ensure the activity is adequately supervised and that appropriate safety equipment (such as protective head wear, life jackets etc.) are worn at all times and YOU do not participate in such HAZARDOUS PURSUITS for more than 90 days in any one PERIOD OF INSURANCE. The acceptable HAZARDOUS PURSUITS list is:
Category A
Your Insurance automatically covers you for the following activities:
- Aerobics - Archery - Badminton - Basketball - Beach games - Bowls - Cricket - Cycling (but not BMX and mountain bikes) No PL cover - Fell walking, rambling and trekking - Fishing - Ice-skating (rink only)
- Parascending (towed by boat) No PL cover - Rafting, canoeing and kayaking (including white water up to grade 3) * No PL cover - Roller skating - Scuba diving (to 18 metres) - Skateboarding - Snooker, pool and billiards - Snorkelling - Squash - Surfing - Swimming (in pool or on inland waters or coastal waters within a 12-mile limit from land) - Table tennis - Tennis - Volleyball - Water-skiing (only on inland waters or coastal waters within a 12-mile limit from land) * No PL cover - Windsurfing (only on inland waters or coastal waters within a 12-mile limit from land) * No PL cover - Yachting, boating, sailing and rowing (only on inland waters or coastal waters within a 12-mile limit from land) * No PL cover
When YOU have paid the appropriate additional premium. For Scuba or skin diving at any depth the following endorsement applies:
The following activities are examples of what are known as 'HAZARDOUS PURSUITS' and are not covered by this insurance unless an additional premium has been paid and the validation certificate shows the cover has been provided. SCUBA or skin diving to a maximum depth of 30 meters (see category B) will be covered provided that YOU hold a British Sub Aqua Club (B.S.A.C.) or equivalent certificate of proficiency for the dive being undertaken or YOU are under the direct supervision of a qualified instructor; are diving with proper equipment and not contrary to B.S.A.C. codes of good practice; are not solo/ cave/wreck diving, are not diving for hire or reward; are not diving within 24 hours of flying or flying within 24 hours of diving and are not suffering from any medical condition likely to impair YOUR fitness to dive.
Category B
Provided you have paid the appropriate premium you will be covered for all of the activities listed in Category A plus the following activities:
- Boxing Training (no contact) - Bungee Jump No PA cover - Camel/Elephant Riding - Cycle Touring - Deep Sea Fishing - Dog Sledging - Flying a private plane or small aircraft - Flying as a passenger in a private or small aircraft - Go Karting (Specific use) - Gymnastics - Hiking (between 2,000 and 6,000 metres altitude) - Hockey - Horse riding over 7 days (no Polo, Hunting, Jumping) - Hot Air Ballooning (non-UK organised) - Hydro Zorbing - Kayaking - Manual Work (ground level only, no machinery) - Martial Arts (Training only) - Motorcycling (over 50cc - no racing) - Mountain Biking - Quad Biking (no racing) - Rugby
- Safari (non-UK organised not involving use of firearms) - Scuba Diving (between 18 and 30 metres) - Sea Canoeing - Trekking (between 2,000 and 6,000 metres altitude) - White Water Canoeing/Rafting (Grade 4) - Work Abroad (manual, ground level only, no machinery)
Category C
Provided you have paid the appropriate premium you will be covered for all of the activities listed in Category A and B plus the following activities:
- Skiing (Dry Slope) - Skiing, Big Foot - Sledging - Snow Boarding - Snow Kiting - Snow Mobiling - Snow Shoeing - Snowboarding (Dry Slope) - White Water Canoeing (Grade 5 to 6) - White Water Rafting (Grade 5 to 6) - Yachting (racing / crewing) - outside Coastal waters
Category D
Provided you have paid the appropriate premium you will be covered for all of the activities listed in Category A, B and C plus the following activities:
- Animal Riding (other than specified) - BMX Cycling - Bob Sleighing - Canyoning - Hang Gliding - Heli skiing - High Diving - Horse Jumping (no Polo, Hunting) - Ice Hockey - Land Yachting - Luging - Manual Work (including the use of light machinery) - Micro Lighting - Motor Rallies - Parasailing - Rock Climbing - Rock Scrambling - Scuba Diving (between 30 and 40 metres) if BSAC, PADI, DIWA, SSI or SAA member
- Show Jumping (no Polo, Hunting) - Skate Boarding - Sky Diving - Tobogganing - Wrestling
3. DATE RECOGNITION FAILURE
This policy contains exclusions for losses arising from equipment failing to recognise the correct calendar date. Please read the general conditions for further details.
4. EXCESSES
WE will take an EXCESS off each claim YOU make under certain sections of this insurance. The amount YOU will have to pay towards a claim is shown in the schedule. The EXCESS is applied on a per person per section basis. If WE agree to a medical expenses claim (section B) which has been reduced by YOUR using an EHIC form or private health insurance, the EXCESS will not apply. To help US deal with YOUR claim quickly and efficiently, please read the claims procedure below (see WHAT TO DO IF YOU WISH TO MAKE A CLAIM).
5. MAKING A CLAIM
This explains what documents YOU will need to support a claim and when YOU will need this kind of proof. YOU must collect some of the proof YOU need, for example a police report, while YOU are on YOUR trip.
6. WHAT TO DO IN A MEDICAL EMERGENCY
In a medical emergency, contact the Assistance Company shown in this policy for help. Please read the policy for details. If YOU are admitted to hospital or need to curtail YOUR trip YOU must contact the Assistance Company for authorisation before incurring any expenses or WE may not pay YOUR claim. Simple outpatient treatment costing less than £250 should be paid locally and claimed for on YOUR return to the United Kingdom.
IMPORTANT: The Assistance Company provides immediate help in the event of YOUR illness or injury arising outside the United Kingdom - they provide a 24 hour multi-lingual emergency service 365 days a year and can be contacted by telephone or fax. Should a serious medical problem arise YOU must contact the Assistance Company within 24 hours. YOU are responsible in advising YOUR attending doctor to seek
pri or approval for any treatment except in extreme circumstances where a request for prior approval would delay life saving treatment. Failure to contact the Assistance Company may limit the benefits payable, or in certain circumstances, cover will not be provided.
When YOU call upon the services of the Assistance Company it is a condition of the service that they shall solely be responsible for all decisions on the most suitable and reasonable solution to any medical problem. The service includes, where necessary:
1. Multi-lingual assistance with hospitals and doctors
2. Repatriation arrangements and necessary escorts by a medical attendant
3. Travel arrangements for other members of YOUR party or next-of-kin
4. On arrival in the United Kingdom, an ambulance service to hospital or home.
PLEASE NOTE: WE are not responsible for the availability, quality or results of any medical treatment received by YOU whilst travelling. Please refer to Exception 2 of Section B.
7. INSURERS
The Insurers are IGI Insurance Company Limited, Market Square House, St James's Street, Nottingham NG1 6FG. Reg. No. 1226976
8. COOLING OFF PERIOD
This Insurance is designed to cover most circumstances but YOU should be aware that not all eventualities are insured. Please read this document carefully. If YOU find the Insurance does not meet YOUR requirements please return this policy and proof of premium to the selling agent within 14 days of receipt but before the trip departure date. Provided no claim has been made YOUR premium will be refunded in full.
9. ABOUT THE COVER AND CONDITIONS
This is YOUR contract of insurance. It contains certain conditions in each section and General Exclusions to all sections. YOU must meet the conditions or WE will not accept YOUR claim. Please read all of this policy carefully, especially the Important Declaration. When YOU book YOUR trip, YOU must declare any information WE ask for in the declaration. If YOU do not contact the selling agent or US within 14 days of the date YOU receive this insurance policy WE will assume that YOU accept the terms and conditions of this insurance policy and can make the declaration set out. This policy is only valid if YOU also have a valid Confirmation Email showing all names of persons insured, their ages, the dates of cover and the correct premium has been paid. The policy describes the cover provided for YOU and the conditions which YOUR cover depends on. YOU must keep the policy, and Confirmation Email and send them to US if YOU make a claim. In return for the correct premium, Insurers will pay YOU or YOUR personal representative if YOU make a valid claim. YOU must keep to the terms, conditions and declaration of this insurance. Annual Multi Trip Insurance covers YOU for any number of trips taking place during the dates of cover shown on the Confirmation Email. These trips must involve an Outward and RETURN JOURNEY being completed during the maximum permitted trip duration of 31 days unless otherwise stated on the Confirmation Email. If the intended trip exceeds the maximum permitted trip duration it will not be covered in whole or in part.
EXTENSION OF COVER
If YOU request any extension of the Period of Insurance after the commencement of travel YOU must advise US of any circumstances which at the time of such request could reasonably be expected to cause a claim under this Policy.
10. RECIPROCAL HEALTH AGREEMENT EU COUNTRIES
If YOU intend travelling to European Economic Area (EEA) country or Switzerland, YOU should either obtain from YOUR local Post Office European Health Insurance Card (EHIC) application pack or apply online at www.dh.gov.uk/travellers which when completed will entitle YOU to certain free health arrangements in EEA countries and Switzerland. YOU should take the EHIC with YOU and make sure that wherever possible any medical treatment is provided at hospitals or by doctors working within the terms of the Reciprocal Healthcare Agreement unless the Medical Assistance Company agrees otherwise. If YOU are admitted to a private clinic YOU will be transferred to a public hospital as soon as the transfer can be arranged safely. Private medical treatment costing in EXCESS of £250 not specifically authorised by OUR 24 hour Medical Assistance Company will not be insured by this policy.
11. CLAIMS YOUR DUTIES
a) YOU must advise US of any occurrence that may give rise to a claim in writing as soon as is reasonably possible after the date of such occurrence and shall supply to US all such accounts and other documents as WE may reasonably require. Any expenses incurred because of an unreasonable delay in notifying US will not be paid.
b) YOU must give US notice in writing immediately YOU or YOUR legal representatives have knowledge of any impending prosecution, inquest or fatal injury inquiry in connection with any occurrence of which there may be liability under Section E of this Policy YOU must at all times act in a reasonable manner to prevent or minimize a claim.
12. CLAIMS OUR RIGHTS
a) No admission, offer, promise, payment or indemnity will be made or given by YOU or on YOUR behalf without OUR written consent.
b) WE will be entitled to take over and conduct in YOUR name the defence or settlement of any claim or to prosecute in YOUR name to OUR own benefit in respect of any claim for indemnity or damages or otherwise, and will have full discretion in the conduct of any proceedings or in the settlement of any claim and YOU must give all such information and assistance as WE may require.
c) In case of illness or injury WE may approach any doctor who may have treated YOU during the period of three years prior to the claim, and WE may at OUR own expense and upon reasonable notice to YOU or YOUR legal personal representative, arrange for YOU to be medically examined as often as required, or in the event of death have a post mortem examination of YOUR body.
d) YOU must supply at YOUR own expense a Doctor's certificate in the form required by US in support of any medical related claim.
13. FRAUD
If any person makes any misrepresentation or concealment in obtaining this Policy or in support of any claim the insurance by this Policy will be void.
14. OTHER INSURANCES
WE will not be liable in respect of any claim where the event leading to the claim is insured by any other existing Policy or Policies, except in respect of any amount beyond that which is payable under such other Policy or Policies.
15. PRECEDENTS TO LIABILITY
The due observance and fulfilment of the terms, provisions and conditions and endorsements of this policy in so far as they relate to anything to be done or complied with by YOU will be a condition precedent to OUR liability to make any payment.
16. JURISDICTION
Unless specifically agreed to the contrary this insurance shall be subject to English Law.
17. DATA PROTECTION
IGI Insurance Company Limited will use the information supplied during the formation and performance of this Policy for policy administration, customer services, paying claims and fraud prevention. IGI may disclose this information to our service providers and both you and our agents for these purposes. We will keep this information for a reasonable period. Where sensitive personal data has been disclosed, including any medical or criminal record information, IGI will also use this information for the above purposes. IGI may also transfer certain information to countries that do not provide the same level of data protection as the UK for the above purposes. A contract will be in place to ensure the information transferred is protected. Individuals whose information has been supplied to IGI have a right to ask for a copy of that information and to have any inaccuracies corrected. IGI may record telephone calls to make sure it follows instructions correctly and for staff training purposes. When personal or sensitive data is supplied to IGI about third
parties other than the insured, both during the formation and performance of this policy, IGI assumes that those third parties consent to the supply of this information to IGI, to IGI processing this data, including sensitive personal data, and to the transfer of their information abroad. IGI will also assume that the supplier of the information is authorised to receive, on their behalf, any data protection notices.
Please Note Failure To Observe The Foregoing Requirements Will Invalidate Any Claim. Please keep this Travel Insurance Policy in a safe place and carry it with YOU when YOU go on YOUR Trip
Cancellation or Curtailment
If YOU cancel YOUR trip for medical reasons obtain a claim form. YOUR own medical practitioner should complete the Certificate on the reverse of the claim form. If the trip is curtailed for medical reasons obtain a medical certificate from the treating Medical Practitioner in the locality where the incident occurred YOU must - Keep receipts or account for all expenses incurred
- In the event of CANCELLATION immediately notify the Tour Operator or the Travel Agency where YOUR trip was booked and obtain a CANCELLATION invoice
- Telephone the claims number shown above as soon as YOU know that there is a possibility of YOUR trip not taking place.
- Obtain authorisation from the 24 Hour Medical Emergency Service or from US before incurring any expenses in curtailing YOUR holiday.
Medical and Other Expenses
please see WHAT TO DO IN A MEDICAL EMERGENCY for cases involving more than simple outpatient treatment.
- YOU must keep receipts or accounts for all expenses incurred.
- YOU should pay the hospital/clinic/doctor for routine or simple out patient treatment and claim back on YOUR return to the United Kingdom. If YOU think the level of treatment is excessive or costs are likely to exceed £250 please consult the 24 Hour Medical Emergency Service for guidance.
Personal Accident
- Obtain a medical certificate from the treating MEDICAL PRACTITIONER. - In the event of a death WE will require a Death Certificate.
Delay
- Obtain a letter from the Airline, Railway Company or Shipping Line, or their handling agent, confirming the reason for the delay and detailing the scheduled and actual departure times.
Personal Liability
- YOU must supply full details of the circumstances giving rise to the claim plus any supporting evidence.
- YOU must give US notice in writing immediately YOU or YOUR legal representatives have knowledge of any impending prosecution, inquest or fatal injury inquiry in connection with any occurrence for which there may be liability under Section H of this Policy.
Legal Expenses
- YOU must notify US within 180 days of the event giving rise to YOUR claim in respect of Legal Expenses.
All Other Sections
YOU must notify US within 30 days of the event giving rise to YOUR claim with full documentary support.

5. EXCESSES
WE will take an EXCESS off each claim YOU make under certain sections of this insurance. The amount YOU will have to pay towards a claim is shown in the schedule. The EXCESS is applied on a per person per section basis. If WE agree to a medical expenses claim (section B) which has been reduced by YOUR using an EHIC form or private health insurance, the EXCESS will not apply.