Karma Insurance Backpacking/Gap Year

SECTION B EMERGENCY MEDICAL & OTHER EXPENSES
What is covered:
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:
1. 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 catheterization or organ transplants unless pre-approved by the Assistance Company prior to it being performed.
3. any in-patient 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 the Assistance Company detailed below for medical reasons only or for the service of a 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 24 Hour Medical 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).
8. This section shall not apply to anyone who suffers from Hemophilia whilst participating in Hazardous, Extreme or Winter Sports as defined in this policy.
SPECIFIC EXCLUSIONS APPLYING TO SECTION A, B & C
What is not covered
Claims arising from:-
1. All pre-existing medical conditions or if
- You 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 treatment (please refer to the Medical Declaration )
2. Travel arrangements made or undertaken:
(i) against the advice of any Registered Medical Practitioner
(i) 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 Medical Declaration)
6. You engaging in any Hazardous or Extreme Pursuits (unless shown as insured on Your policy schedule)
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 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 16 years of age the benefit under Item 1 is limited to £2,500
(2) if You are aged 65 years or over Item 1 is limited to £2,500 and no compensation will be payable under items 2 or 3.
SPECIFIC EXCLUSIONS APPLYING TO SECTION C
What is not covered
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 pregnancy or any medical treatment or illness or disease. (see also the Specific Exclusions applying to Sections A, B and C detailed below)
SPECIFIC EXCLUSIONS APPLYING TO SECTION A, B & C
What is not covered
Claims arising from:-
1. All pre-existing medical conditions or if
- You 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 treatment (please refer to the Medical Declaration )
2. Travel arrangements made or undertaken:
(i) against the advice of any Registered Medical Practitioner
(i) 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 Medical Declaration)
6. You engaging in any Hazardous or Extreme Pursuits (unless shown as insured on Your policy schedule)
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:
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:
1. 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 catheterization or organ transplants unless pre-approved by the Assistance Company prior to it being performed.
3. any in-patient 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 the Assistance Company detailed below for medical reasons only or for the service of a 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 24 Hour Medical 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).
8. This section shall not apply to anyone who suffers from Haemophiliac whilst participating in Hazardous, Extreme or Winter Sports as defined in this policy.
SPECIFIC EXCLUSIONS APPLYING TO SECTION A, B & C
What is not covered
Claims arising from:-
1. All pre-existing medical conditions or if
- You 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 treatment (please refer to the Medical Declaration )
2. Travel arrangements made or undertaken:
(i) against the advice of any Registered Medical Practitioner
(i) 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 Medical Declaration)
6. You engaging in any Hazardous or Extreme Pursuits (unless shown as insured on Your policy schedule)
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 .

1. 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 .

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 all 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 16 years the loss of cash limit is £125) SPECIFIC EXCLUSIONS APPLYING TO SECTION F
SPECIFIC EXCLUSIONS APPLYING TO SECTION F
What is not covered
1. shortages of Money due to error or omission or depreciation in value or currency transfers costs .

SECTION I OVERSEAS LEGAL EXPENSES
Definitions which only apply to this Section (FOR ADDITIONAL TRAVEL LEGAL EXPENSES SEE SEPARATE POLICY)
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 opponents 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
What is covered
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, and 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.
What is not covered:
SECTION I OVERSEAS LEGAL EXPENSES
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 Appointed Lawyer have not agreed to or where You do anything that hinders Us or the Appointed 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.

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.
SPECIFIC EXCLUSIONS APPLYING TO SECTION 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 2200 hours and 0600 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.
SPECIFIC EXCLUSIONS APPLYING TO SECTION 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 2200 hours and 0600 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 L 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 L
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 K HIJACK
What is covered
If You are prevented from reaching Your scheduled destination as a result of Hijack of the aircraft or ship in which You are travelling, We will pay You for each full 24 hours of delay up to the maximum stated in the Schedule.
Provided that:
1. compensation is only payable if no claim is made under Section A Cancellation or Section D Travel Delay
2. You must produce independent evidence in writing in support of any claim

SECTION O - WINTER SPORTS EXTENSION
This cover is provided only if You have paid the premium required or You have a multi trip policy. Below are the details of winter sports cover provided by this extension.
Winter sports
1. 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. Heli skiing is only covered as part of a pre-paid excursion led by professional guides. Tobogganing and snowmobiling are covered under sections A, B & C but We will not cover any claims under any other section resulting from any bodily injury or damage to property that may arise from Your use of sledges skidoos or powered vehicles of any kind. No cover is provided for any form of ski racing, ski jumping, ice hockey or any other hazardous or extreme sports not specifically listed above unless an additional premium has been paid.
2. You are not covered for winter sports equipment under section E (Personal Possessions) of this travel policy. Please see below for details of winter sports equipment cover.
3. Ski lift passes are included in the cover provided by section F & G (Money and Documents) of this travel policy The following extra cover up to the maximum limits shown in the schedule is also included in the Winter Sports Extension:-
4. You are not covered whilst participating in Winter Sports under Section B (Emergency Medical & Other Expenses) of this policy and Section S (Search And Rescue) if you suffer from Hemophilia
SECTION O1 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 thelimit 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 O2 - 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 O1 AND O2
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 carriers 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 O3 - 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 O3
What is not covered
You are not covered for claims arising from circumstances that are normally excluded from Section B (Medical Expenses)
SECTION O4 - 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 days skiing lost.
SPECIFIC EXCLUSIONS APPLYING TO SECTION O4
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 O5 - 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 O5
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 O1 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 thelimit 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 O1 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 thelimit 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 O1 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 thelimit 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 O3 - 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 O3
What is not covered
You are not covered for claims arising from circumstances that are normally excluded from Section B (Medical Expenses)

SECTION O3 - 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 O3
What is not covered
You are not covered for claims arising from circumstances that are normally excluded from Section B (Medical Expenses)

SECTION O4 - 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 days skiing lost.
SPECIFIC EXCLUSIONS APPLYING TO SECTION O4
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 O4 - 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 days skiing lost.
SPECIFIC EXCLUSIONS APPLYING TO SECTION O4
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 O4 - 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 days skiing lost.
SPECIFIC EXCLUSIONS APPLYING TO SECTION O4
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 O5 - 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 O5
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 O3 - 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 O3
What is not covered
You are not covered for claims arising from circumstances that are normally excluded from Section B (Medical Expenses)

SECTION O3 - 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 O3
What is not covered
You are not covered for claims arising from circumstances that are normally excluded from Section B (Medical Expenses)

Winter sports
1. 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. Heli skiing is only covered as part of a pre-paid excursion led by professional guides. Tobogganing and snowmobiling are covered under sections A, B & C but We will not cover any claims under any other section resulting from any bodily injury or damage to property that may arise from Your use of sledges skidoos or powered vehicles of any kind. No cover is provided for any form of ski racing, ski jumping, ice hockey or any other hazardous or extreme sports not specifically listed above unless an additional premium has been paid.

SECTION B EMERGENCY MEDICAL & OTHER EXPENSES
What is covered:
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:
1. 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 catheterization or organ transplants unless pre-approved by the Assistance Company prior to it being performed.
3. any in-patient 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 the Assistance Company detailed below for medical reasons only or for the service of a 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 24 Hour Medical 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).
8. This section shall not apply to anyone who suffers from Hemophilia whilst participating in Hazardous, Extreme or Winter Sports as defined in this policy.
SPECIFIC EXCLUSIONS APPLYING TO SECTION A, B & C
What is not covered
Claims arising from:-
1. All pre-existing medical conditions or if
- You 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 treatment (please refer to the Medical Declaration )
2. Travel arrangements made or undertaken:
(i) against the advice of any Registered Medical Practitioner
(i) 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 Medical Declaration)
6. You engaging in any Hazardous or Extreme Pursuits (unless shown as insured on Your policy schedule)
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 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 12 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.
4. Extension to Section E Group Travel Sports Team Extension Group Travel Sports Equipment £2,500.00
If You have purchased a group travel insurance for a sports team affiliated with a recognised sports club of which You are a member travelling to a competition arranged by Your sports club We will indemnify the group for the loss of or damage to Sports Equipment belonging to the club up to a maximum group limit of £2,500 in the aggregate. Cover will be subject otherwise to the terms and conditions applicable to Section E on the policy of insurance issued 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 (unless an additional premium has been paid and cover is shown as operative on Your schedule of insurance) 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.

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 12 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.
4. Extension to Section E Group Travel Sports Team Extension Group Travel Sports Equipment £2,500.00
If You have purchased a group travel insurance for a sports team affiliated with a recognised sports club of which You are a member travelling to a competition arranged by Your sports club We will indemnify the group for the loss of or damage to Sports Equipment belonging to the club up to a maximum group limit of £2,500 in the aggregate. Cover will be subject otherwise to the terms and conditions applicable to Section E on the policy of insurance issued 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 (unless an additional premium has been paid and cover is shown as operative on Your schedule of insurance) 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.

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)
3. Type Cancellation & Curtailment No benefit is payable under the Cancellation & Curtailment (Section A) in respects of Your mother, farther, sister, brother, spouse, partner, daughter, son, grandparent, grandchild, parentinlaw, soninlaw, fianc?r any person with whom You intend to travel directly or indirectly from the following conditions which are known to You at the date You booked a trip, any terminal illness, Alzheimers disease, cancer, heart attack, any condition which requires heart surgery, motor neurone disease, multiple sclerosis, Parkinsons disease or a stroke. No benefit is payable in respect of preexisting and ongoing medical conditions that require regular attention UNLESS the condition has been stabilised by the use of tablets before the date of booking and You have not been advised against travel, and Your condition is described as mild. This includes well controlled hypertension suffered in isolation or any breathing condition or well controlled asthma. Mild means You are taking no more than two types of medication and in the case of asthma You are not using more than two inhalers.

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 12 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:-
SECTION D TRAVEL DELAY & MISSED DEPARTURE Cont?
(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
(i) above for delays in the Outward Journey will be deducted from any subsequent payment made under 1
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. Our limit of liability under 1 (ii) will not exceed the amount stated in the Schedule for Section A Cancellation
7. 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
2. 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 12 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:-
SECTION D TRAVEL DELAY & MISSED DEPARTURE Cont?
(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
(i) above for delays in the Outward Journey will be deducted from any subsequent payment made under 1
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. Our limit of liability under 1 (ii) will not exceed the amount stated in the Schedule for Section A Cancellation
7. 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
2. 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 )
3. Type Cancellation & Curtailment No benefit is payable under the Cancellation & Curtailment (Section A) in respects of Your mother, farther, sister, brother, spouse, partner, daughter, son, grandparent, grandchild, parent in law, son inlaw, fianc?r any person with whom You intend to travel directly or indirectly from the following conditions which are known to You at the date You booked a trip, any terminal illness, Alzheimers disease, cancer, heart attack, any condition which requires heart surgery, motor neurone disease, multiple sclerosis, Parkinsons disease or a stroke. No benefit is payable in respect of pre existing and ongoing medical conditions that require regular attention UNLESS the condition has been stabilised by the use of tablets before the date of booking and You have not been advised against travel, and Your condition is described as mild. This includes well controlled hypertension suffered in isolation or any breathing condition or well controlled asthma. Mild means You are taking no more than two types of medication and in the case of asthma You are not using more than two inhalers.

SECTION H PERSONAL LIABILITY
What is covered
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:
1. 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 (i) 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:
(a) 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
(b) directly or indirectly out of the ownership, possession or use of animals or firearms
(c) from any Hazardous or Extreme Pursuit unless shown as included in Important information No.3 subject always to
(a) and (b) above being applicable.
(d) directly or indirectly out of or incidental to Your business or trade or profession including voluntary work or any form of child minding
(e) out of actions between persons insured by Us
(f) directly or indirectly out of Your ownership possession or control of any land or buildings
(g) out of any liability assumed under a contract unless such liability would have attached in any event in the absence of such contract
(h) directly or indirectly due to an infectious disease
2. any Excess shown in the Schedule for 2 above.

SECTION P PET CARE
This section is not available if You have paid for the long-stay policy option.
What you are covered for
We will pay for each full 24-hour period of delay for extra kennel or cattery fees (being the prebooked payments in respect of the provision of residential care for your cat or dog during your absence on holiday) if the start of Your original booked return journey by aircraft, sea vessel or cross channel train is delayed because of circumstances outside Your control. You must be delayed by at least 12 hours, and We will pay up to the amount shown on the table of benefits.
SPECIFIC EXCLUSIONS APPLYING TO SECTION P
We will not cover any kennel or cattery fees You pay outside the United Kingdom, Northern Ireland, the Channel Islands, the Isle of Man or Eire as a result of quarantine regulations.
SPECIAL CONDITIONS WHICH APPLY TO SECTION P
It is a condition of the cover provided under this section that:
1. You must have checked in for your trip at or before the recommended time;
2. You get a written statement from the appropriate transport company or authority confirming the reason for the delay and how long it lasted;
3. any amount We pay under this section only applies to domestic cats or dogs that you own; and
4. You must get a written statement from the appropriate kennel or cattery confirming any extra charges that You have to pay.
Please read the general conditions and exclusions.

SECTION M - 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 M
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.

SECTION B EMERGENCY MEDICAL & OTHER EXPENSES
What is covered:
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:
1. 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 catheterization or organ transplants unless pre-approved by the Assistance Company prior to it being performed.
3. any in-patient 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 the Assistance Company detailed below for medical reasons only or for the service of a 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 24 Hour Medical 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).
8. This section shall not apply to anyone who suffers from Hemophilia whilst participating in Hazardous, Extreme or Winter Sports as defined in this policy.
SPECIFIC EXCLUSIONS APPLYING TO SECTION A, B & C
What is not covered
Claims arising from:-
1. All pre-existing medical conditions or if
- You 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 treatment (please refer to the Medical Declaration )
2. Travel arrangements made or undertaken:
(i) against the advice of any Registered Medical Practitioner
(i) 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 Medical Declaration)
6. You engaging in any Hazardous or Extreme Pursuits (unless shown as insured on Your policy schedule)
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 .

Category 2 Hazardous Sports and Activities Only included if shown on your schedule. An increased Medical Excess of £150 per event/claim applies to these activities:
Aikido, Bandy, Baseball, BMX Riding, Broomhall, Bungee Jumps (Maximum 2 jumps), Canoeing (up to grade 5 including white water), Canyoning (up to grade 5 including white water), Capoeira, Chung Moo Dee, Fencing, Field Hockey, Flying (In an unlicensed Aircraft), Grappling, Gymnastics, Hang Gliding, Hapikido, High Diving (Less than 10 meters), High Jump, Highland Games, Hockey (Field), Horse Pulls, Hwa Rang Do, Jai Alai, Jeet Kune Do, Jiu Jitsu, Judo, Kabadi, Karate, Kempo, Kendo, Kenpo, Kick Boxing Kuk Sool Won, Kung Fu, Kyduo, Laido, Microlighting, Mountain Biking (Off road), Muay Thai, Ninpo, Parascending (Over land), Pentathlon, Pole Vault, Polo (Helmet must be worn), Polo Crosse, Quad Biking, Rafting (including up to grade 5 white water), Rifle Range, Roller Derby, Scuba Diving (To 30 meters (PADI qualified or under supervision)), Sea Kayaking, Silat, Skate Boarding, Soo Bahk Do, Street, Sumo, Surfing, Tae Kwon Do, Tae Soo Do, Tai Chi, Taido, Tang Soo Do, Tchoukball, Trail Riding (Helmet must be worn), Trail Running, Trekking (In remote or mountainous areas), Tukong Moosul, Unicycling, War Games, Weight Lifting, White Water Canoeing, White Water Kayaking, White Water Rafting, Wing Chun, Wrestling and Zip Lining.
Category 3 Extreme Sports and Activities Only included if shown on your schedule
All increased Medical Excess of £300 per event/claim applies to these activities 3 Day Eventing (Helmet must be worn), All Terrain Boarding, American Football, Arctic Winter games, ATV Racing, Australian Football, Barrel Racing, Biathlon, Bobsledding, Bobsleigh, Boxing, Camp Drafting, Canopying (Organised groups only), Canyoning (Including up to grade 7 white water and carried out under the qualified supervision of a guide), Caving, Climbing (To 4,500M), Cross Country Skiing, Dog Sledding, Endurance Horse Riding (Helmet must be worn), Figure Skating, Football (American), Football (Australian), Football (Gaelic), Free Style Skiing, Gaelic Football, Glacier Skiing, Gymkhana (Helmet must be worn), Heli Skiing, Hurling, Ice Hockey, Ice Skating, Kite Sailing, Kite Surfing, Land Luge, Luge, Mono Skiing, Mountain Boarding, Mounted Orienteering (Helmet must be worn), Nordic Skiing, Parachuting (Solo or tandem but not base jumping), Paragliding (Over land), Parapenting (over land), Potholing, Power Kiting, Rafting (Including up to grade 7 white water and carried out under the qualified supervision of a guide), Rock Climbing (Organised tours only), Rugby League, Rugby Union, Sand Boarding, Scuba Diving (To 40 meters (PADI qualified or under supervision)), Shinty, Show Jumping (Helmet must be worn), Skeleton, Ski Acrobatics, Ski Bob, Ski Doos (Supervised), Ski Stunting, Ski Training/Racing, Skiing, Skydiving, Sledding, Snow Biking, Snow Boarding, Snowmobiles (Supervised) Snowshoeing, Snow Surfing, Soaring, Speed Skating, Tobogganing, Vaulting, Wakeboarding, Watercross, Winter Triathlon. If an activity is not listed, then no cover is available under this policy. We regret that we will be unable to offer quotations on any activities not listed.

4. DATE OF 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.

CONDITIONS APPLYING TO THE WHOLE POLICY
Cancellation
1. You may cancel at any time by giving 21 days notice, please email or write to Karma Insurance with Your instructions
2. If You wish to do so and Your cover has not started, You will be entitled to a full refund of the premium paid.
3. Once Cover has commenced You have no cancellation rights but should You terminate Your cover Your maximum liability is one months premium.
4. We may cancel this Policy by sending You an email to Your members area and/or a recorded delivery letter to Your last known address giving 7 days notice of cancellation.
CUSTOMER SERVICE INFORMATION
Karma wish to provide You with a high standard of service to deal with any claims covered by this Policy fairly and promptly. Any enquiry You may have regarding Your Policy should be addressed to Karma Insurance. Please be ready to provide all relevant details of Your Policy and, in particular, Your Policy number to help Your enquiry to be dealt with speedily.
Complaints procedure
In the first instance any complaint should be referred to the Karma Insurance Helpline (24 Hours) on 0845 260 9990 In the event you remain dissatisfied you can write to:
The Managing Director
Karma Insurance Service Ltd
PO Box 6173, Nottingham NG5 8TG
If you are still dissatisfied you can write to:
The Managing Director
IGI Insurance Company Ltd
Asia House
31-33 Lime Street
London EC3M 7HR
In the unlikely event your complaint remains unresolved you can write to:
The Financial Ombudsman Scheme
Financial Service Compensation Scheme (FSCS)
All IGI Insurance Company Ltd Underwriting policies issued for individual customers or small businessesare covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the scheme in the unlikely event that your insurer cannot meet its obligations (e.g. if it goes out of business or into liquidation or is unable to trade). Further information about compensation scheme arrangements is available from the FSCS (www.fscs.org.uk. telephone number 0207 892 7300)
General Information
Karma Insurance Services Ltd is a tied agent of Lloyd Wright Consultants Ltd. Lloyd Wright Consultants Ltd is Authorised and Regulated by the UK Financial Services Authority, Reg No: 313334.
Cooling Off Period
The Karma website provides all the information You need, but if Your cover has not started and You feel that Our Policy does not meet Your needs simply email or write Karma and they will arrange for Us to refund Your premium in full.
Contact Information
If You have any questions please telephone Karma Customer Services on 0845 290 9990 or CIL Karma Claims Services on 0845 260 3339.