JS Insurance Young Traveller

Section B - Emergency Medical and Other Expenses
What is covered
We will pay You up to £5,000,000 for the following expenses which are necessarily incurred within 12 months of the incident as a result of Your suffering Bodily Injury or illness and/or compulsory quarantine:
1. Emergency medical, surgical, hospital, ambulance and nursing fees and charges incurred:
a) outside the United Kingdom or
b) within the Channel Islands
2. Emergency dental treatment for the immediate relief of pain (to natural teeth only) up to a limit of £150 incurred:
a) outside the United Kingdom or
b) within the Channel Islands
3. In the event of Your death outside the United Kingdom the reasonable additional cost of funeral expenses abroad up to a maximum of £1,500 plus the reasonable cost of conveying Your ashes to Your Home, or the additional costs of returning Your body to Your Home.
4. Reasonable additional transport (economy class) or accommodation expenses incurred, up to the standard of Your original booking, if it is medically necessary for You to stay beyond Your scheduled return date.
This includes, with the prior authorisation of AXA Assistance, reasonable additional transport or accommodation expenses for a friend or Close Relative to remain with You or travel to You from the United Kingdom or escort You and additional travel expenses to return You to Your Home if You are unable to use the return ticket.
5. With the prior authorisation of AXA Assistance, the additional costs incurred in the use of air transport or other suitable means, including qualified attendants, to repatriate You to Your Home if it is medically necessary. Repatriation expenses will be in respect only of the identical class of travel utilised on the outward journey unless AXA Assistance agree otherwise.
Special conditions relating to claims
1. You must give notice as soon as possible to AXA Assistance or Us of any Bodily Injury or illness which necessitates Your admittance to hospital as an in-patient or before any arrangements are made for Your repatriation.
2. In the event of Your Bodily Injury or illness We reserve the right to relocate You from one hospital to another and arrange for Your repatriation to the United Kingdom at any time during the Trip. We will do this if in the opinion of the Medical Practitioner in attendance or AXA Assistance You can be moved safely and / or travel safely to the United Kingdom to continue treatment.
What is not covered
1. The first £50 of each and every claim per incident for each Insured Person.
2. Any claims arising directly or indirectly in respect of:
a) Costs of telephone calls, other than calls to AXA Assistance notifying them of the problem for which You are able to provide a receipt or other evidence to show the cost of the call and the number telephoned.
b) The cost of treatment or surgery, including exploratory tests, which are not directly related to the Bodily Injury or illness which necessitated Your admittance into hospital.
c) Any expenses which are not usual, reasonable or customary to treat Your Bodily Injury or illness.
d) Any form of treatment or surgery which in the opinion of the Medical Practitioner in attendance and AXA Assistance can be delayed reasonably until Your return to the United Kingdom.
e) Expenses incurred in obtaining or replacing medication, which at the time of departure is known to be required or to be continued outside the United Kingdom.
f) Additional costs arising from single or private room accommodation.
g) Treatment or services provided by a health spa, convalescent or nursing home or any rehabilitation centre unless agreed by AXA Assistance.
h) Any expenses incurred after You have returned to the United Kingdom.
i) Expenses incurred as a result of a tropical disease where You have not had the recommended inoculations and/or taken the recommended medication.
j) Your decision not to be repatriated after the date when in the opinion of AXA Assistance it is safe to do so.
3. Anything mentioned in the general exclusions on page 3.
You should also refer to the Important conditions relating to health on page 3.

Section C - Personal Accident
Special Definitions (which are shown in italics)
Loss of limb
- means loss by permanent severance of an entire hand or foot or the total and permanent loss of use of an entire hand or foot.
Loss of sight
- means total and irrecoverable loss of sight.
What is covered
We will pay one of the benefits shown below if You sustain Bodily Injury which shall solely and independently of any other cause, result within two years in Your death, loss of limb, loss of sight or permanent total disablement.
BENEFIT   Up to age Age  16 years to
    15 years inclusive 35 years inclusive
1. Death   £1,000   £10,000
2. Loss of one or more limbs and/or
loss of sight in one or both eyes £10,000   £10,000
3. Permanent total disablement £10,000   £10,000
Special conditions relating to claims
1. Our Medical Practitioner may examine You as often as they deem necessary in the event of a claim.
Provisions
1. Benefit is not payable to You:
a) Under more than one of items 1, 2 or 3.
b) Under item 3. until one year after the date You sustain Bodily Injury.
c) Under item 3. if You are able or may be able to carry out any gainful employment or gainful occupation.
What is not covered
1. Anything mentioned in the general exclusions on page 3.

Section B - Emergency Medical and Other Expenses
What is covered
We will pay You up to £5,000,000 for the following expenses which are necessarily incurred within 12 months of the incident as a result of Your suffering Bodily Injury or illness and/or compulsory quarantine:
2. Emergency dental treatment for the immediate relief of pain (to natural teeth only) up to a limit of £150 incurred:
a) outside the United Kingdom or
b) within the Channel Islands

Section B - Emergency Medical and Other Expenses
What is covered
We will pay You up to £5,000,000 for the following expenses which are necessarily incurred within 12 months of the incident as a result of Your suffering Bodily Injury or illness and/or compulsory quarantine:
3. In the event of Your death outside the United Kingdom the reasonable additional cost of funeral expenses abroad up to a maximum of £1,500 plus the reasonable cost of conveying Your ashes to Your Home, or the additional costs of returning Your body to Your Home.

Section B - Emergency Medical and Other Expenses
What is covered
We will pay You up to £5,000,000 for the following expenses which are necessarily incurred within 12 months of the incident as a result of Your suffering Bodily Injury or illness and/or compulsory quarantine:
3. In the event of Your death outside the United Kingdom the reasonable additional cost of funeral expenses abroad up to a maximum of £1,500 plus the reasonable cost of conveying Your ashes to Your Home, or the additional costs of returning Your body to Your Home.

Section E - Personal Money and Documents
(only operative if indicated in the schedule)
What is covered
We will pay You up to the amounts shown below for the accidental loss of, theft of or damage to Personal Money and documents (including driving licence). In respect of foreign currency cover is also operative during the 72 hours immediately preceding Your departure on the outward journey.
The maximum We will pay for the following items is:
a) for bank notes currency notes and coins £100
b) if You are under the age of 16, for bank notes currency notes and coins £60
c) for all other Personal Money and documents £150
Special conditions relating to claims
1. You must report to the local Police within 24 hours of discovery and obtain a written report of the loss, theft or attempted theft of all Personal Money and documents.
2. If Personal Money and documents are lost, stolen or damaged while in the care of a carrier, transport company, authority or hotel You must report to them, in writing, details of the loss, theft or damage and obtain written confirmation. If Personal Money and documents are lost, stolen or damaged whilst in the care of an airline
You must:
a) obtain a Property Irregularity Report from the airline
b) give formal written notice of the claim to the airline within the time limit contained in their conditions of carriage (please retain a copy)
c) retain all travel tickets and tags for submission if a claim is to be made under this policy
3. Receipts for items lost, stolen or damaged must be retained as these will help You to substantiate Your claim.
What is not covered
1. The first £50 of each and every claim per incident for each Insured Person.
2. Loss, theft of or damage to Personal Money left Unattended at any time (including in a vehicle or in the custody of carriers) unless deposited in a hotel safe, safety deposit box or left in Your locked accommodation.
3. Loss, theft of or damage to travellers cheques if You have not complied with the issuers conditions or where the issuer provides a replacement service.
4. Loss or damage due to delay, confiscation or detention by customs or other authority.
5. Loss or damage due to depreciation in value, variations in exchange rates or shortages due to error or omission.
6. Anything mentioned in the general exclusions on page 3.

Section H - Overseas Legal Expenses and Assistance
What is covered
We will pay up to £2,500 for legal costs to pursue a civil action for compensation if someone else causes You Bodily Injury, illness or death.
Special conditions relating to claims
1. We shall have complete control over the legal case through agents they nominate, by appointing agents of their choice on Your behalf with the expertise to pursue Your claim.
2. You must follow Our agents advice and provide any information and assistance required within a reasonable timescale.
3. You must advise Us of any offers of settlement made by the negligent third party and You must not accept any such offer without Our consent.
4. We will decide the point at which Your legal case cannot usefully be pursued further. After that no further claims can be made against Us.
5. We may include a claim for Our legal costs and other related expenses.
6. We may, at Our own expense, take proceedings in Your name to recover compensation from any third party in respect of any indemnity paid under this policy. You must give such assistance as We shall reasonably require and any amount recovered shall belong to Us.
What is not covered
We shall not be liable for:-
1. The first £250 of each and every claim per incident for each Insured Person.
2. Any claim where in Our opinion there is insufficient prospect of success in obtaining reasonable compensation.
3. Legal costs and expenses incurred in pursuit of any claim against a travel agent, tour operator, carrier, Us, AXA Assistance or their agents, someone You were travelling with, a person related to You, or another Insured Person.
4. Legal costs and expenses incurred prior to Our written acceptance of the case.
5. Any claim where the legal costs and expenses are likely to be greater than the anticipated amount of compensation.
6. Any claim where legal costs and expenses are based directly or indirectly on the amount of compensation awarded (for example a Contingency Fee Agreement).
7. Legal costs and expenses incurred in any claim which is capable of being pursued under a Conditional Fee Agreement.
8. Legal costs and expenses incurred if an action is brought in more than one country.
9. Any claim where in Our opinion the estimated amount of compensation payment is less than £1,000 for each Insured Person.
10. Travel, accommodation and incidental costs incurred to pursue a civil action for compensation.
11. Costs of any Appeal.
12. Claims occurring within the United Kingdom.
13. Claims by You other than in Your private capacity.
14. Anything mentioned in the general exclusions on page 3.

Section E - Personal Money and Documents
(only operative if indicated in the schedule)
What is covered
We will pay You up to the amounts shown below for the accidental loss of, theft of or damage to Personal Money and documents (including driving licence). In respect of foreign currency cover is also operative during the 72 hours immediately preceding Your departure on the outward journey.
The maximum We will pay for the following items is:
a) for bank notes currency notes and coins £100
b) if You are under the age of 16, for bank notes currency notes and coins £60
c) for all other Personal Money and documents £150
Special conditions relating to claims
1. You must report to the local Police within 24 hours of discovery and obtain a written report of the loss, theft or attempted theft of all Personal Money and documents.
2. If Personal Money and documents are lost, stolen or damaged while in the care of a carrier, transport company, authority or hotel You must report to them, in writing, details of the loss, theft or damage and obtain written confirmation. If Personal Money and documents are lost, stolen or damaged whilst in the care of an airline
You must:
a) obtain a Property Irregularity Report from the airline
b) give formal written notice of the claim to the airline within the time limit contained in their conditions of carriage (please retain a copy)
c) retain all travel tickets and tags for submission if a claim is to be made under this policy
3. Receipts for items lost, stolen or damaged must be retained as these will help You to substantiate Your claim.
What is not covered
1. The first £50 of each and every claim per incident for each Insured Person.
2. Loss, theft of or damage to Personal Money left Unattended at any time (including in a vehicle or in the custody of carriers) unless deposited in a hotel safe, safety deposit box or left in Your locked accommodation.
3. Loss, theft of or damage to travellers cheques if You have not complied with the issuers conditions or where the issuer provides a replacement service.
4. Loss or damage due to delay, confiscation or detention by customs or other authority.
5. Loss or damage due to depreciation in value, variations in exchange rates or shortages due to error or omission.
6. Anything mentioned in the general exclusions on page 3.

Trip
Your holiday or journey within countries of the geographical area for which you have purchased cover, starting at the time that you leave your home address in the United Kingdom or from the start date shown on your confirmation of cover document, whichever is later. The end of your trip is defined as the date that you return to the United Kingdom or at the end of the period shown on your confirmation of cover document, whichever is earlier. Cover for cancellation starts at the time that you book the trip or pay the insurance premium, whichever is later.

Section B - Emergency Medical and Other Expenses
What is covered
We will pay You up to £5,000,000 for the following expenses which are necessarily incurred within 12 months of the incident as a result of Your suffering Bodily Injury or illness and/or compulsory quarantine:
5. With the prior authorisation of AXA Assistance, the additional costs incurred in the use of air transport or other suitable means, including qualified attendants, to repatriate You to Your Home if it is medically necessary. Repatriation expenses will be in respect only of the identical class of travel utilised on the outward journey unless AXA Assistance agree otherwise.

Section D - Baggage and Passport
(only operative if indicated in the schedule)
What is covered
1. We will pay You up to £750 for the accidental loss of, theft of or damage to Baggage. The amount payable will be the value at todays prices less a deduction for wear tear and depreciation, (or We may at Our option replace, reinstate or repair the lost or damaged Baggage).

Section D Baggage and Passport
(only operative if indicated in the schedule)
What is covered
1. We will pay You up to £750 for the accidental loss of, theft of or damage to Baggage. The amount payable will be the value at todays prices less a deduction for wear tear and depreciation, (or We may at Our option replace, reinstate or repair the lost or damaged Baggage).
The maximum We will pay for the following items is:
a) for any one article, pair or set of articles £150 (for example a set of golf clubs)
b) the total for all Valuables £150
2. We will also pay You up to the amounts shown below:
a) £150 for reasonable additional travel and accommodation expenses incurred necessarily abroad to obtain a replacement of Your lost or stolen passport or visa.
Special conditions relating to claims
1. You must report to the local Police within 24 hours of discovery and obtain a written report of the loss, theft or attempted theft of all Baggage.
2. If Baggage is lost, stolen or damaged while in the care of a carrier, transport company, authority or hotel You must report to them, in writing, details of the loss, theft or damage and obtain written confirmation. If Baggage is lost, stolen or damaged whilst in the care of an airline You must:
a) obtain a Property Irregularity Report from the airline
b) give formal written notice of the claim to the airline within the time limit contained in their conditions of carriage (please retain a copy)
c) retain all travel tickets and tags for submission if a claim is to be made under this policy
3. Receipts for items lost, stolen or damaged must be retained as these will help You to substantiate Your claim.
What is not covered
1. The first £50 of each and every claim per incident for each Insured Person.
2. Loss, theft of or damage to Valuables or Your passport left Unattended at any time (including in a vehicle or in the custody of carriers) unless deposited in a hotel safe, safety deposit box or left in Your locked accommodation.
3. Loss, theft of or damage to Baggage contained in an Unattended vehicle:
a) overnight between 9 p.m. and 9 a.m. (local time) or
b) at any time between 9 a.m. and 9 p.m. (local time) unless it is in the locked boot which is separate from the passenger compartment for those vehicles with a boot, or for those vehicles without a separate boot locked in the vehicle and covered from view
4. Loss or damage due to delay, confiscation or detention by customs or other authority.
5. Loss, theft of or damage to unset precious stones, contact or corneal lenses, hearing aids, dental or medical fittings, antiques, musical instruments, documents of any kind, bonds, securities, perishable goods, bicycles, Ski Equipment and damage to suitcases (unless the suitcases are entirely unusable as a result of one single incidence of damage).
6. Loss or damage due to cracking, scratching, breakage of or damage to china, glass (other than glass in watch faces, cameras, binoculars or telescopes), porcelain or other brittle or fragile articles unless caused by fire, theft, or accident to the aircraft, sea vessel, train or vehicle in which they are being carried.
7. Loss or damage due to breakage of sports equipment or damage to sports clothing whilst in use.
8. Loss, theft of or damage to business goods, samples, tools of trade, motor accessories and other items used in connection with Your business, trade, profession or occupation.
9. Loss or damage caused by wear and tear, depreciation, deterioration, atmospheric or climatic conditions, moth, vermin, any process of cleaning repairing or restoring, mechanical or electrical breakdown.
10. Anything mentioned in the general exclusions on page 3.

Section A - Cancellation or Curtailment
(only operative if indicated in the schedule)
What is covered
We will pay You up to £1,000 for any irrecoverable unused travel and accommodation costs (including excursions up to £250) and other pre-paid charges which You have paid or are contracted to pay together with any reasonable additional travel expenses incurred if
a) cancellation of the Trip is necessary and unavoidable or
b) the Trip is Curtailed before completion
as a result of any of the following events occurring:
1. The death, Bodily Injury or illness of:
a) You
b) any person with whom You are travelling or have arranged to travel with
c) any person with whom You have arranged to reside temporarily
d) Your Close Relative
e) a Close Business Associate
2. Compulsory quarantine, jury service attendance or being called as a witness at a Court of Law of You or any person with whom You are travelling or have arranged to travel with.
3. Redundancy (which qualifies for payment under current United Kingdom redundancy payment legislation and at the time of booking the Trip there was no reason to believe anyone would be made redundant) of You or any person with whom You are travelling or have arranged to travel with.
4. You or any person with whom You are travelling or have arranged to travel with are a member of the Armed Forces, Police, Fire, Nursing or Ambulance Services or employees of a Government Department and have Your/their authorised leave cancelled for operational reasons, provided that such cancellation or Curtailment could not reasonably have been expected at the time this insurance is purchased by You.
5. The Police requesting You to remain at or return to Your Home due to serious damage to Your Home caused by fire, aircraft, explosion, storm, flood, subsidence, malicious persons or theft.
Special conditions relating to claims
1. You must obtain a medical certificate from a Medical Practitioner and prior approval of AXA Assistance to confirm the necessity to return Home prior to Curtailment of the Trip due to death, Bodily Injury or illness.
2. If You fail to notify the travel agent, tour operator or provider of transport/accommodation immediately it is found necessary to cancel the Trip Our liability shall be restricted to the cancellation charges that would have applied had failure not occurred.
3. If You cancel the Trip due to Bodily Injury or illness You must provide a medical certificate from a Medical Practitioner stating that this necessarily and reasonably prevented You from travelling.
What is not covered
1. The first £50 of each and every claim per incident for each Insured Person.
2. The cost of Airport Departure Duty.
3. Any claims arising directly or indirectly from:
a) Redundancy caused by or resulting from misconduct leading to dismissal or from resignation or voluntary redundancy or where a warning or notification of redundancy was given prior to the date this insurance is purchased by You or the time of booking any Trip (whichever is the earlier).
b) Circumstances known to You prior to the date this insurance is purchased by You or the time of booking any Trip (whichever is the earlier) which could reasonably have been expected to give rise to cancellation or Curtailment of the Trip.
4. Travel tickets paid for using any airline mileage reward scheme, for example Air Miles.
5. Stress, anxiety, depression or any other mental or nervous disorder that You are suffering from unless it has been investigated and diagnosed as such by a consultant specialising in the relevant field.
6. Anything mentioned in the general exclusions on page 3.
You should also refer to the Important conditions relating to health on page 3.

Section G - Abandonment
What is covered
If departure of the Public Transport on which You are booked to travel is delayed at the final departure point from or to the United Kingdom for at least 24 hours from the scheduled time of departure due to:
a) strike or
b) industrial action or
c) adverse weather conditions or
d) mechanical breakdown of or a technical fault occurring in the Public Transport on which You are booked to travel
We will pay You:
1. up to £1,000 for any irrecoverable unused travel and accommodation costs and other pre-paid charges which You have paid or are contracted to pay if after a minimum 24 hours has elapsed, You choose to cancel Your Trip
Special conditions relating to claims
1. You must check in according to the itinerary supplied to You.
2. You must obtain confirmation from the carriers (or their handling agents) in writing of the number of hours of delay and the reason for the delay.
3. You must comply with the terms of contract of the travel agent, tour operator or provider of transport.
What is not covered
1. The first £50 of each and every claim per incident for each Insured Person.
2. Claims arising directly or indirectly from:
a) Strike or industrial action or air traffic control delay existing or publicly declared by the date this insurance is purchased by You.
b) 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. Anything mentioned in the general exclusions on page 3.

Section F - Personal Liability
What is covered
We will pay up to £1,000,000 (inclusive of legal costs and expenses) against any amount You become legally liable to pay as compensation for any claim or series of claims arising from any one event or source of original cause in respect of accidental:
1. Bodily Injury, death illness or disease to any person who is not in Your employment or who is not a Close Relative or member of Your household.
2. Loss of or damage to property that does not belong to and is neither in the charge of or under the control of You, a Close Relative, anyone in Your employment or any member of Your household other than any temporary holiday accommodation occupied (but not owned) by You.
Special conditions relating to claims
1. You must give Us written notice as soon as possible of any incident, which may give rise to a claim.
2. You must forward every letter, writ, summons and process to Us as soon as You receive it.
3. You must not admit any liability or pay, offer to pay, promise to pay or negotiate any claim without Our written consent.
4. We will be entitled if We so desire to take over and conduct in Your name the defence of any claims for indemnity or damages or otherwise against any third party. We shall have full discretion in the conduct of any negotiation or proceedings or in the settlement of any claim and You shall give Us all necessary information and assistance which We may require.
5. In the event of Your death, Your legal representative(s) will have the protection of this cover provided that such representative(s) comply(ies) with the terms and conditions outlined in this policy.
What is not covered
1. Compensation or legal costs arising directly or indirectly from:
a) Liability which has been assumed by You under agreement unless the liability would have attached in the absence of such agreement.
b) Pursuit of any business, trade, profession or occupation or the supply of goods or services.
c) Ownership possession or use of vehicles aircraft or watercraft (other than surfboards or manually propelled rowboats, punts or canoes).
d) The transmission of any communicable disease or virus.
e) The first £250 of each and every claim per incident for each Insured Person
2. Anything mentioned in the general exclusions on page 3.

Emergency and Medical Service
In the event of a serious illness or accident which may lead to in-patient hospital treatment or before any arrangements are made for repatriation or in the event of Curtailment necessitating Your early return Home You must contact AXA Assistance. The service is available to You and operates 24 hours a day, 365 days a year for advice, assistance, making arrangements for hospital admission, repatriation and authorisation
of medical expenses. If this is not possible because the condition requires immediate emergency treatment You must contact AXA Assistance as soon as possible. Private medical treatment is not covered unless authorised specifically by AXA Assistance.
Medical assistance abroad
AXA Assistance has the medical expertise, contacts and facilities to help should You be injured in an accident or fall ill. AXA Assistance will also arrange transport Home when this is considered to be medically necessary or when You have notice of serious illness or death of a Close Relative at Home.
Payment for medical treatment abroad
If You are admitted to a hospital/clinic while abroad, AXA Assistance will arrange for medical expenses covered by the policy to be paid direct to the hospital/clinic. To take advantage of this benefit someone must contact AXA Assistance for You as soon as possible.
For simple out-patient treatment, You should pay the hospital/clinic yourself and claim back medical expenses from Us on Your return to the United Kingdom. Beware of requests for You to sign for excessive treatment or charges. If in doubt regarding any such requests, please call AXA Assistance for guidance.
Contact AXA Assistance on telephone number: +44 (0)845 223 5568

High risk activities
You may not be covered when you take part in certain sports or activities if there is a high risk you will be injured or if it is the main purpose of your trip. You are covered for the following activities automatically,
providing they are not the main purpose of your trip:
Abseiling (within organisers guidelines), Angling, Athletics, Archery, Badminton, Ballooning - hot air (organised pleasure rides only), Banana boating, Base ball, Basket ball, Board sailing, Bobsleighing (pads and
helmets must be worn - available upon additional premium), Bowling, Bungee jumping (within organisers guidelines, limited to 3 jumps per trip), Camel riding (no personal liability cover), Canoeing (up to grade 2 rivers only), Catamaran sailing (if qualified/no personal liability cover), Clay pigeon shooting (no personal liability cover), Climbing (on a climbing wall only), Climbing up to 4,000 metres (available upon additional premium), Cricket, Cycling, Deep sea fishing, Dinghy sailing (no personal liability cover), Fell walking, Fencing (within organised guidelines, no liability cover - available upon additional premium), Fishing, Football-English (available upon additional premium), Glacier walking, Gliding (no cover for crewing or piloting), Go karting (within organisers guidelines/no personal liability cover), Golf, Gymnastics, Handball, Hill walking up to 2000 metres, Hiking/Trekking/Walking (below 4000 metres), Hockey, Horse riding (excluding competitions/racing/jumping/hunting), Hot air ballooning (organised pleasure rides only), Ice hockey (pads and helmets must be worn - when the additional premium has been paid for winter sports), Jet boating (no racing or personal liability cover), Jet skiing (no liability cover - available upon additional premium), Kayaking (up to grade 2 rivers only), Lacrosse, Motorcycling (up to 125cc only when crash helmet is worn and hold the appropriate license), Mountain biking (available upon additional premium), Netball, Orienteering, Overland trips, Organised safari without guns, Paint balling (using eye protection/no personal liability cover), Parascending - over water, Pony trekking, Racket ball, Rackets, Rambling, Rap jumping (within organisers guidelines), Rifle range shooting (no personal liability cover), Ringos, Roller skating/blading (wearing pads and helmets), Roller hockey (available upon additional premium), Rounders, Rowing (except racing), Rugby (available upon additional premium), Running, Sailing (if qualified/no personal liability cover) not crewing, Sail boarding, Safari trekking in a vehicle (must be organised tour), Safari trekking on foot (must be organised tour), Sea Kayaking, Scuba diving to 40 metres max (providing qualifications held for such depths or diving with qualified instructor and not in unchartered waters - available upon additional premium), Shooting (within organisers guidelines/no personal liability cover), Skateboarding (wearing pads and helmets), Small bore target shooting (within organisers guidelines/no personal liability cover), Snorkelling, Softball, Squash, Street hockey (pads and helmets must be worn - available upon additional premium), Surfing, Table tennis, Tennis, Ten pin bowling, Trampolining, Tug of war, Volley ball, Wake boarding, War games (wearing eye protection/no personal liability cover), Water polo, Water skiing, White water canoeing (up to grade 4 only), White water rafting (up to grade 4 only), Wind surfing, Yachting (if qualified/no personal liability cover and within territorial waters) and Zorbing.
If the sport or activity you are participating in is not mentioned in the above list please check that this insurance meets your needs by contacting your issuing agent. Please also note general exclusions number 19. For specific activities, cover under Section E, Personal Liability, will not apply.

General exclusions applicable to all sections of the policy
We will not pay for claims arising directly or indirectly from:
1. War, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, Terrorism, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power but this exclusion shall not apply to losses under section B - Emergency medical and other expenses, section C - Personal Accident unless such losses are caused by nuclear, chemical or biological attack, or the disturbances were already taking place at the beginning of any Trip.
2. Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste, from combustion of nuclear fuel, the radioactive, toxic, explosive or other hazardous properties of any nuclear assembly or nuclear component of such assembly.
3. Loss, destruction or damage directly occasioned by pressure waves caused by aircraft and other aerial devices travelling at sonic or supersonic speeds.
4. The failure or fear of failure or inability of any equipment or any computer programme, whether or not You own it, to recognise or to interpret correctly or process any date as its true calendar date, or to continue to function correctly beyond that date.
5. Your participation in or practice of any other sport or activity unless:
a) shown as covered without charge in the list on page 3
b) shown as covered in Your schedule.
6. Your use of a motorised vehicle unless a full United Kingdom driving licence is held permitting the use of such vehicles in the United Kingdom.
7. Your wilfully, self-inflicted injury or illness, suicide or attempted suicide, sexually transmitted diseases, solvent abuse, alcohol abuse, the use of drugs (other than drugs taken in accordance with treatment prescribed and directed by a Medical Practitioner, but not for the treatment of drug addiction), self-exposure to needless peril (except in an attempt to save human life).
8. Your own unlawful action or any criminal proceedings against You.
9. Consequential loss of any kind (for example the replacement of locks following loss of keys).
10. Operational duties of a member of the Armed Forces.
11. Your travel to a country or specific area or event to which the Travel Advice Unit of the Foreign & Commonwealth Office or the World Health Organisation has advised the public not to travel.

General exclusions
We will not cover the following:
3. Any claim arising out of the intentional use of military force to intercept, prevent, or mitigate any known or suspected Terrorist Act.
4. Any claim arising out of any Terrorist Act.

General exclusions
We will not cover the following:
3. Any claim arising out of the intentional use of military force to intercept, prevent, or mitigate any known or suspected Terrorist Act.
4. Any claim arising out of any Terrorist Act.

Claims conditions
You must comply with the following conditions to have the full protection of Your policy.
If You do not comply We may at Our option cancel the policy or refuse to deal with Your claim or reduce the amount of any claim payment.
1. Claims
You must notify Us preferably by phone at the address given below, depending on the type of claim:
all claims except legal expenses
AXA Travel Claims
PO Box 742
Lancaster
LA1 1BT
Tel: 0870 850 8495
legal expenses only
AXA Assistance
The Quadrangle
106/118 Station Road
Redhill
Surrey
RH1 1PX
Tel: 01737 815 199
The notification must be made within 31 days or as soon as possible thereafter following any Bodily Injury, illness, disease, incident, event, redundancy or the discovery of any loss, theft or damage which may give rise to a claim under this policy.
You must also inform Us if You are aware of any writ, summons or impending prosecution. Every communication relating to a claim must be sent to Us without delay. You or anyone acting on Your behalf must not negotiate admit or repudiate any claim without Our written consent.
You or Your legal representatives must supply at Your own expense all information, evidence, details of household insurance and medical certificates as required by Us.
We reserve the right to require You to undergo an independent medical examination at Our expense. We may also request and will pay for a post-mortem examination. You must retain any property which is damaged, and, if requested, send it to Us at Your own expense. If We pay a claim for the full value of the property and it is subsequently recovered or there is any salvage then it will become Our property. We
may refuse to reimburse You for any expenses for which You cannot provide receipts or bills.
2. Subrogation
We are entitled to take over and conduct in Your name the defence and settlement of any legal action. We may also take proceedings at Our own expense and for Our own benefit, but in Your name, to recover any payment We have made under this policy to anyone else.
3. Fraud
You must not act in a fraudulent manner.
If You or anyone acting for You
a) Make a claim under the policy knowing the claim to be false or fraudulently exaggerated in any respect or
b) Make a statement in support of a claim knowing the statement to be false in any respect or
c) Submit a document in support of a claim knowing the document to be forged or false in any respect or
d) Make a claim in respect of any loss or damage caused by Your wilful act or with Your connivance
Then
a) We shall not pay the claim
b) We shall not pay any other claim which has been or will be made under the policy
c) We may at Our option declare the policy void
d) We shall be entitled to recover from You the amount of any claim already paid under the policy
e) We shall not make any return of premium
f) We may inform the police of the circumstances

General conditions applicable to the whole policy
You must comply with the following conditions to have the full protection of Your policy. If You do not comply We may at Our option cancel the policy or refuse to deal with Your claim or reduce the amount of any claim payment.
1. Dual insurance
If at the time of any incident which results in a claim under this policy, there is another insurance covering the same loss, damage, expense or liability We will not pay more than Our proportional share (not applicable to Section C - Personal Accident).
2. Reasonable precautions
You must take and cause to be taken all reasonable precautions to avoid injury, illness, disease, loss, theft or damage and take and cause to be taken all practicable steps to safeguard Your property from loss or damage and to recover property lost or stolen.
3. Cancellation
You may cancel this policy at any time. You must tell Us by writing to:
Customer Services Manager
Jade Stanley Ltd
10-11 Lower John Street
London
W1F 9EB
If within 14 days of issue of the policy, You find that it does not meet Your requirements You may cancel Your policy by returning the policy documents to the address above. We will refund the premium in full provided You have not travelled and no claim or incident likely to give rise to a claim has been submitted.
If a claim has been submitted or there has been any incident likely to give rise to a claim during the current Period of Insurance no premium refund will be given.
Where the premium was paid by credit card You will however be responsible for payment of any administrative or interest charges levied by the credit card provider.
For cancellations occurring after 14 days of issue of the policy no refund of premium will be made.
The Insurer reserves the right to cancel this policy immediately in the event of nonpayment of the premium.
The Insurer may also cancel the policy by sending 14 days notice by recorded delivery to You at Your last known address without a refund of premium.

Excesses
Under most sections of this insurance you have to pay the first part of any claim (an excess). This amount is shown under each of the sections where it applies.