Liverpool Victoria Annual Travel Insurance

31 days

SECTION 2 EMERGENCY MEDICAL AND ASSOCIATED EXPENSES
If you are taken into hospital or you think you may have to come home early or extend your journey because of illness or injury, or if your medical expenses are over £250 we must be told immediately - see under the heading 24-hour emergency assistance on page 16 for more information.
What is covered
We will pay you, or your legal representatives, or the provider of your medical treatment for the following necessary emergency expenses if you are injured, taken ill or die during your journey.
1. Overseas cover
This section does not apply to trips within the UK unless your journey is to the Channel Islands and you are not a resident of the Channel Islands.
Up to £10 million in total for reasonable fees or charges you incur for:
- Treatment
Medical, surgical, medication, hospital, nursing home or nursing services.
- Transport and accommodation
Reasonable extra transport and accommodation costs for you and any one other person who stays or travels with you or to you from the UK on medical advice.
- Funeral expenses
The reasonable cost of transporting your body or ashes to your home, or we will pay your reasonable funeral expenses in the place where you die outside the UK.
- Search and rescue
Mountain search and rescue services when deemed medically necessary.
We will also pay:
- In-patient benefit
£25 for each 24-hour period that you are in hospital as an in-patient up to £1,000 in total during the journey as well as any fees or charges paid under the heading Treatment on page 23.
- Dental
Up to £250 for emergency dental treatment to relieve sudden pain.
- Pet care
Up to £500 in total for reasonable cattery or kennel fees if you are taken into hospital as an in-patient during your journey and are unable to return as planned.
2. UK cover
Up to £1,000 for:
- Transport and accommodation
- Reasonable extra transport and accommodation costs for you and one other person who stays or travels with you or to you from within the UK on medical advice.
- The reasonable cost of transporting your ashes or body home should you die.
What is not covered
Under both 1 Overseas cover and 2 UK cover
1. An excess of £50, unless your claim is reduced because you used an EHIC card or any other reciprocal health arrangement (see Reciprocal health arrangements on page 17 for more information). This does not apply to the in-patient or pet care benefits.
2. The cost of replacing any medication you were using when you began your journey.
3. Claims directly or indirectly relating to any pre-existing medical condition not declared to and accepted by us as explained under Health declaration and health exclusions on pages 18 and 19.
4. Extra transport and accommodation costs which are of a higher standard to those already used on your journey, unless we agree.
5. Anything caused by:
a. you travelling in an aircraft (except as a passenger in a fully-licensed, passenger carrying aircraft);
b. your suicide, self-injury or deliberately putting yourself at risk;
c. you being under the influence of drugs (except those prescribed by a doctor but not for the treatment of drug addiction);
d. the direct or indirect effect of you using alcohol or solvents;
e. you taking part in any activity unless it is listed under Standard Activities on pages 14 and 15, or you are taking part in an Adventure Activity or Winter Sports and this has been selected by you and is shown as covered on your policy schedule;
f. you travelling on a motorcycle, unless it is no more than 125cc, the rider holds an appropriate valid UK licence, you are wearing a crash helmet, and you have selected cover for Adventure Activities A or B and
this is shown on your policy schedule.
6. Any claim in respect of routine care relating to pregnancy, giving birth and postnatal recovery.
7. Any costs incurred 12 months after the date of your injury, illness or death.
8. Any costs for taxi fares and telephone calls (including mobile calls) resulting from an incident claimed for under this section. Under 1 Overseas cover - Treatment
9. Services or treatments you receive within the UK.
10. Services or treatments you receive which the doctor in attendance and we think can wait until you get back to the UK.
11. Medical costs over £250, or in-patient treatment, or repatriation which we have not authorised.
12. The extra costs of having a single or private room in a hospital or nursing home.
13. The cost of all treatment which is not directly related to the illness or injury that caused the claim.
Under 1 Overseas cover - Funeral expenses
14. Your burial or cremation within the UK.
Under 1 Overseas cover - Dental
15. Replacing or repairing false teeth or artificial teeth (such as crowns or implants).
16. Dental work involving the use of precious metals.
Please refer to the General exclusions, General conditions and Making a claim sections that also apply.

SECTION 7 PERSONAL ACCIDENT
What is covered
We will pay you or your legal representative £25,000 if one of the following occurs as a result of an accident during your journey:
Death
(We will not pay more than £2,500 if you are under 16 years of age at the time of the accident.)
Permanent loss
Total and permanent loss of sight in one or both eyes or total and permanent loss of use of one or both hands or feet.
Physical disablement
Permanent physical disability as a result of which there is no paid work which you are able to do. (We will not pay any compensation if you are aged 66 or over at the time of the accident.)
What is not covered
1. Any accident that occurs as a result of a medical condition or symptoms suffered by you prior to your journey unless declared to us and shown in your policy schedule as covered.
2. Any claim arising more than one year after the original accident.
3. Anything caused by:
a. you travelling in an aircraft (except as a passenger in a fully-licensed, passenger carrying aircraft);
b. you taking part in an activity unless it is listed under Standard Activities on pages 14 and 15, or you are taking part in an Adventure Activity or Winter Sports and this has been selected by you and is shown as
covered on your policy schedule;
c. your suicide, self-injury or deliberately putting yourself at risk;
d. you being under the influence of drugs (except those prescribed by a doctor but not for the treatment of drug addiction);
e. the direct or indirect effect of you using alcohol or solvents;
f. you travelling on a motorcycle, unless it is no more than 125cc, the rider holds an appropriate valid UK licence, you are wearing crash helmets, and you have selected cover under Adventure Activities A or B
and it is shown on your policy schedule.
4. We will not pay more than one of the benefits resulting from the same injury.
Please refer to the General exclusions, General conditions and Making a claim sections that also apply.

SECTION 2 EMERGENCY MEDICAL AND ASSOCIATED EXPENSES
If you are taken into hospital or you think you may have to come home early or extend your journey because of illness or injury, or if your medical expenses are over £250 we must be told immediately - see under the heading 24-hour emergency assistance on page 16 for more information.
What is covered
We will pay you, or your legal representatives, or the provider of your medical treatment for the following necessary emergency expenses if you are injured, taken ill or die during your journey.
1. Overseas cover
We will also pay:
- In-patient benefit
£25 for each 24-hour period that you are in hospital as an in-patient up to £1,000 in total during the journey as well as any fees or charges paid under the heading Treatment on page 23.

SECTION 16 COSMETIC SURGERY
What is covered
We will pay up to £2,500 for necessary cosmetic surgery treatment in the UK, to correct damage to your soft facial tissue following an injury during your journey.
What is not covered
1. An excess of £50.
2. Any claim which does not directly relate to the injury that happened during your journey.
3. Any claim when you do not get a medical certificate from your doctor, which says the treatment is necessary.
4. Any claim which we have not authorised.
5. Any claim where you do not receive your cosmetic surgery treatment within 90 days of your return to the UK.
Please refer to the General Exclusions, General conditions and Making a claim sections that also apply.

SECTION 2 EMERGENCY MEDICAL AND ASSOCIATED EXPENSES
If you are taken into hospital or you think you may have to come home early or extend your journey because of illness or injury, or if your medical expenses are over £250 we must be told immediately - see under the heading 24-hour emergency assistance on page 16 for more information.
What is covered
We will pay you, or your legal representatives, or the provider of your medical treatment for the following necessary emergency expenses if you are injured, taken ill or die during your journey.
1. Overseas cover
We will also pay:
- Dental
Up to £250 for emergency dental treatment to relieve sudden pain.

SECTION 2 EMERGENCY MEDICAL AND ASSOCIATED EXPENSES
If you are taken into hospital or you think you may have to come home early or extend your journey because of illness or injury, or if your medical expenses are over £250 we must be told immediately - see under the heading 24-hour emergency assistance on page 16 for more information.
What is covered
We will pay you, or your legal representatives, or the provider of your medical treatment for the following necessary emergency expenses if you are injured, taken ill or die during your journey.
1. Overseas cover
Up to £10 million in total for reasonable fees or charges you incur for:
- Treatment
Medical, surgical, medication, hospital, nursing home or nursing services.
- Transport and accommodation
Reasonable extra transport and accommodation costs for you and any one other person who stays or travels with you or to you from the UK on medical advice.
- Funeral expenses
The reasonable cost of transporting your body or ashes to your home, or we will pay your reasonable funeral expenses in the place where you die outside the UK.

SECTION 2 EMERGENCY MEDICAL AND ASSOCIATED EXPENSES
If you are taken into hospital or you think you may have to come home early or extend your journey because of illness or injury, or if your medical expenses are over £250 we must be told immediately - see under the heading 24-hour emergency assistance on page 16 for more information.
What is covered
We will pay you, or your legal representatives, or the provider of your medical treatment for the following necessary emergency expenses if you are injured, taken ill or die during your journey.
1. Overseas cover
Up to £10 million in total for reasonable fees or charges you incur for:
- Treatment
Medical, surgical, medication, hospital, nursing home or nursing services.
- Transport and accommodation
Reasonable extra transport and accommodation costs for you and any one other person who stays or travels with you or to you from the UK on medical advice.
- Funeral expenses
The reasonable cost of transporting your body or ashes to your home, or we will pay your reasonable funeral expenses in the place where you die outside the UK.

SECTION 6 PERSONAL MONEY
This section only applies if Personal possessions has been selected by you and is shown as covered in your policy schedule.
What is covered
Up to £500 for loss or theft of your personal money (but no more than £300 in cash in total, whether jointly owned or not) while on your journey.
What is not covered
1. An excess of £50.
2. Money held or used for business purposes.
3. Compensation unless you can provide a receipt for the amount you had from the place where you got the currency.
4. Personal money left in a motor vehicle or in a tent.
5. Personal money carried in suitcases, trunks or similar containers unless they are on your person all the time.
6. Personal money, unless it is on your person, locked in a safe or safety deposit box or locked in the accommodation you are using on your journey.
7. Loss caused by a reduction in exchange rates or shortage caused by mistakes in exchanging currency.
8. Loss or theft of travellers cheques if the place where you get them from provides a replacement service.
9. More than the minimum market value of equivalent travel tickets, if your travel tickets have been paid for using an airline mileage reward scheme.
Please refer to the General exclusions, General conditions and Making a claim sections that also apply.

SECTION 11 LEGAL EXPENSES
You can call our 24-hour legal helpline for advice on any travel related legal problem to do with your journey.
From within the UK phone 0845 640 5193, for textphone please dial 18001 first.
From outside the UK phone +44 1689 879 555, for textphone please dial +44 151 494 1260 and ask to be connected.
What is covered
If you are ill, injured or die during your journey and you or your personal representative take legal action to claim damages or compensation for negligence against a third party we will do the following:
Appointed adviser
Nominate an appointed adviser to act for you. If you and we cannot agree on an appointed adviser, the matter can be referred to an alternative resolution facility.
Legal costs
For each event giving rise to a claim pay up to £25,000 legal costs for legal action for you (but not more than £50,000 in total for all persons insured on this policy).
Note
- You must conduct your claim in the way requested by the appointed adviser.
- You must keep us and the appointed adviser fully aware of all facts and correspondence including any claim settlement offers made to you.
- We will not be bound by any promises or undertakings which you give to the appointed adviser, or which you give to any person about payment of fees or expenses, without our consent.
- We can withdraw cover after we have agreed to the claim, if we think a reasonable settlement is unlikely or that the cost of the legal action could be more than the settlement.
- You must pay us any legal costs that are recovered. If there is a shortfall between the amount of legal costs recovered and the amount of legal costs we have incurred in pursuing your legal action we will be entitled to retain an amount in respect of the shortfall from the compensation you receive. The maximum we will retain is half of the compensation you receive.
What is not covered
Any claim:
1. not reported to us within 90 days of the event giving rise to the claim;
2. where we think a reasonable settlement is unlikely or where the cost of the legal action could be more than the settlement;
3. involving legal action between members of the same household, a relative, a travelling companion, or one of your employees;
4. where another insurer or service provider has refused your claim or where there is a shortfall in the cover they provide;
5. against a travel agent, tour operator, carrier, us, our agent, or another person insured by this policy.
Legal costs:
6. for legal action that we have not agreed to;
7. if you refuse reasonable settlement of your claim. You should use alternative resolution facilities such as mediation in this situation;
8. if you withdraw from a claim without our agreement. If this occurs legal costs that we have paid must be repaid to us and all legal costs will become your responsibility;
9. awarded as a personal penalty against you or the appointed adviser (for example not complying with Court rules and protocols);
10. for bringing legal action in more than one country for the same event.
Please refer to the General exclusions, General conditions and Making a claim sections that also apply.

SECTION 3 LOSS OF PASSPORT/DRIVING LICENCE
What is covered
We will pay the following if your passport is lost, stolen or destroyed on your journey:
Costs for issuing a temporary passport
Up to £500 in total for the cost of extra transport, accommodation and administration costs you have to pay to get a temporary passport to enable you to return to the UK.
Remaining value of original passport
The equivalent cost (based on the current replacement costs) of the period remaining on your passport that is lost, stolen or destroyed.
Costs for issuing a replacement driving licence
Up to £500 in total for any additional transport, accommodation and administration costs you have to pay to get a replacement driving licence or evidence of your driving licence from the DVLA during your journey if:
- you lose your driving licence whilst on a journey and
- you need to provide evidence of your driving licence to the police authorities or you need to obtain evidence of your driving licence in order to continue with your journey, for example if you need to hire a car.
What is not covered
Under Costs for issuing a temporary passport
1. An excess of £50.
Under Costs for issuing a replacement driving licence
2. An excess of £50.
3. Any costs to return home to pick up a replacement or new driving licence.
Please refer to the General exclusions, General conditions and Making a claim sections that also apply.

SECTION 3 LOSS OF PASSPORT/DRIVING LICENCE
What is covered
We will pay the following if your passport is lost, stolen or destroyed on your journey:
Costs for issuing a temporary passport
Up to £500 in total for the cost of extra transport, accommodation and administration costs you have to pay to get a temporary passport to enable you to return to the UK.
Remaining value of original passport
The equivalent cost (based on the current replacement costs) of the period remaining on your passport that is lost, stolen or destroyed.
Costs for issuing a replacement driving licence
Up to £500 in total for any additional transport, accommodation and administration costs you have to pay to get a replacement driving licence or evidence of your driving licence from the DVLA during your journey if:
- you lose your driving licence whilst on a journey and
- you need to provide evidence of your driving licence to the police authorities or you need to obtain evidence of your driving licence in order to continue with your journey, for example if you need to hire a car.
What is not covered
Under Costs for issuing a temporary passport
1. An excess of £50.
Under Costs for issuing a replacement driving licence
2. An excess of £50.
3. Any costs to return home to pick up a replacement or new driving licence.
Please refer to the General exclusions, General conditions and Making a claim sections that also apply.

SECTION 13 HIJACK OR KIDNAP
What is covered:
If you are hijacked or kidnapped during your journey we will pay up to £2,000 in total for the following:
Detained payment
£25 for each full 24 hours you are detained by the hijackers/kidnappers.
Negotiation
The necessary costs to help negotiate your release from the hijackers/kidnappers.
What is not covered
Under Detained payment and Negotiation
1. Compensation unless you have a letter from the appropriate authorities confirming the hijack or kidnap and the length of the detainment.
2. You not having the correct passports or visas.
Under Negotiation
3. The payment of ransom money.
Please refer to the General exclusions, General conditions and Making a claim sections that also apply.

SECTION 18 WINTER SPORTS
This section only applies if Winter sports is selected by you and is shown as covered in your policy schedule.
What is covered
Ski equipment
We will pay up to £35 for each full day up to £500 in total for the hire of alternative ski equipment if:
- yours is temporarily lost or stolen on your outward journey for more than 12 hours from when you arrived at your destination; or
- yours is damaged, stolen, lost or destroyed on your journey.
We will pay up to £500 in total for your ski equipment (including ski equipment you are legally liable for) and ski pass that is damaged, stolen, lost or destroyed on your journey.
There is also a single article limit of £350, whether jointly owned or not.
Note
It will be our decision to pay either:
- the cost of repairing your items; or
- to replace your belongings with equivalent items; or
- the cost of replacing your items. An amount for wear, tear and loss of value will be deducted.
What is not covered
Under Ski equipment
3. Anything mentioned under the heading What is not covered within Section 5 - Personal possessions, with the exception of ski equipment and the excess.
Please refer to the General exclusions, General conditions and Making a claim sections that also apply.

SECTION 18 WINTER SPORTS
This section only applies if Winter sports is selected by you and is shown as covered in your policy schedule.
What is covered
Ski equipment
We will pay up to £35 for each full day up to £500 in total for the hire of alternative ski equipment if:
- yours is temporarily lost or stolen on your outward journey for more than 12 hours from when you arrived at your destination; or
- yours is damaged, stolen, lost or destroyed on your journey.
We will pay up to £500 in total for your ski equipment (including ski equipment you are legally liable for) and ski pass that is damaged, stolen, lost or destroyed on your journey.
There is also a single article limit of £350, whether jointly owned or not.
Note
It will be our decision to pay either:
- the cost of repairing your items; or
- to replace your belongings with equivalent items; or
- the cost of replacing your items. An amount for wear, tear and loss of value will be deducted.
What is not covered
Under Ski equipment
3. Anything mentioned under the heading What is not covered within Section 5 - Personal possessions, with the exception of ski equipment and the excess.
Please refer to the General exclusions, General conditions and Making a claim sections that also apply.

SECTION 18 WINTER SPORTS
This section only applies if Winter sports is selected by you and is shown as covered in your policy schedule.
What is covered
Ski equipment
We will pay up to £35 for each full day up to £500 in total for the hire of alternative ski equipment if:
- yours is temporarily lost or stolen on your outward journey for more than 12 hours from when you arrived at your destination; or
- yours is damaged, stolen, lost or destroyed on your journey.
We will pay up to £500 in total for your ski equipment (including ski equipment you are legally liable for) and ski pass that is damaged, stolen, lost or destroyed on your journey.
There is also a single article limit of £350, whether jointly owned or not.
Note
It will be our decision to pay either:
- the cost of repairing your items; or
- to replace your belongings with equivalent items; or
- the cost of replacing your items. An amount for wear, tear and loss of value will be deducted.
What is not covered
Under Ski equipment
3. Anything mentioned under the heading What is not covered within Section 5 - Personal possessions, with the exception of ski equipment and the excess.
Please refer to the General exclusions, General conditions and Making a claim sections that also apply.

SECTION 18 WINTER SPORTS
This section only applies if Winter sports is selected by you and is shown as covered in your policy schedule.
What is covered
Ski pack
We will pay up to £35 for each full day up to £500 in total for your ski pack costs that have been paid for and that cannot be recovered from anywhere else, if:
- you have to cancel or curtail your journey; or
- you cannot ski because of an injury or illness during your journey.
What is not covered
Under Ski pack
1. Anything mentioned under the heading What is not covered within Section 1 - Cancellation or curtailment charges, apart from the excess which does not apply.
2. Anything mentioned under the heading What is not covered within Section 2 - Emergency medical and associated expenses, apart from the excess which does not apply.

SECTION 18 WINTER SPORTS
This section only applies if Winter sports is selected by you and is shown as covered in your policy schedule.
What is covered
Ski equipment
We will pay up to £35 for each full day up to £500 in total for the hire of alternative ski equipment if:
- yours is temporarily lost or stolen on your outward journey for more than 12 hours from when you arrived at your destination; or
- yours is damaged, stolen, lost or destroyed on your journey.
We will pay up to £500 in total for your ski equipment (including ski equipment you are legally liable for) and ski pass that is damaged, stolen, lost or destroyed on your journey.
There is also a single article limit of £350, whether jointly owned or not.
Note
It will be our decision to pay either:
- the cost of repairing your items; or
- to replace your belongings with equivalent items; or
- the cost of replacing your items. An amount for wear, tear and loss of value will be deducted.
What is not covered
Under Ski equipment
3. Anything mentioned under the heading What is not covered within Section 5 - Personal possessions, with the exception of ski equipment and the excess.
Please refer to the General exclusions, General conditions and Making a claim sections that also apply.

SECTION 18 WINTER SPORTS
This section only applies if Winter sports is selected by you and is shown as covered in your policy schedule.
What is covered
Piste closure
We will pay one of the following, if it is not possible for you to ski or snow board at your pre-booked ski resort, because the ski-lifts and ski-schools that you are due to use are closed as a result of adverse weather conditions.
- Up to £35 for each full day up to £500 in total for the cost of extra transport or lift passes to let you ski or snow board at another resort; or
- Up to £35 for each full day up to £500 in total if no other resort is available.
What is not covered
Under Piste closure
4. Any compensation for the first full 24 hours at your booked ski resort.
5. Any journey in the UK.
6. Any claim unless you have a letter from the ski-lift or ski-school operators giving the reason for closing the piste and showing the number of days the piste was closed during your journey.
7. Compensation that you can get from your tour operator or anywhere else.
8. Costs if the ski-lifts or ski-schools in your pre-booked resort were closed when your policy or travel tickets for your journey were issued, if either was less than 14 days before the beginning of your journey.
9. Any journey that takes place outside a recognised ski resort or the official resort opening dates.

SECTION 18 WINTER SPORTS
This section only applies if Winter sports is selected by you and is shown as covered in your policy schedule.
What is covered
Piste closure
We will pay one of the following, if it is not possible for you to ski or snow board at your pre-booked ski resort, because the ski-lifts and ski-schools that you are due to use are closed as a result of adverse weather conditions.
- Up to £35 for each full day up to £500 in total for the cost of extra transport or lift passes to let you ski or snow board at another resort; or
- Up to £35 for each full day up to £500 in total if no other resort is available.
What is not covered
Under Piste closure
4. Any compensation for the first full 24 hours at your booked ski resort.
5. Any journey in the UK.
6. Any claim unless you have a letter from the ski-lift or ski-school operators giving the reason for closing the piste and showing the number of days the piste was closed during your journey.
7. Compensation that you can get from your tour operator or anywhere else.
8. Costs if the ski-lifts or ski-schools in your pre-booked resort were closed when your policy or travel tickets for your journey were issued, if either was less than 14 days before the beginning of your journey.
9. Any journey that takes place outside a recognised ski resort or the official resort opening dates.

SECTION 18 WINTER SPORTS
This section only applies if Winter sports is selected by you and is shown as covered in your policy schedule.
What is covered
Piste closure
We will pay one of the following, if it is not possible for you to ski or snow board at your pre-booked ski resort, because the ski-lifts and ski-schools that you are due to use are closed as a result of adverse weather conditions.
- Up to £35 for each full day up to £500 in total for the cost of extra transport or lift passes to let you ski or snow board at another resort; or
- Up to £35 for each full day up to £500 in total if no other resort is available.
What is not covered
Under Piste closure
4. Any compensation for the first full 24 hours at your booked ski resort.
5. Any journey in the UK.
6. Any claim unless you have a letter from the ski-lift or ski-school operators giving the reason for closing the piste and showing the number of days the piste was closed during your journey.
7. Compensation that you can get from your tour operator or anywhere else.
8. Costs if the ski-lifts or ski-schools in your pre-booked resort were closed when your policy or travel tickets for your journey were issued, if either was less than 14 days before the beginning of your journey.
9. Any journey that takes place outside a recognised ski resort or the official resort opening dates.

SECTION 18 WINTER SPORTS
This section only applies if Winter sports is selected by you and is shown as covered in your policy schedule.
What is covered
Avalanche or landslide closure
We will pay up to £200 in total, for extra transport and accommodation costs you have to pay to get you to your destination or back home because of an avalanche or landslide.
What is not covered
Under Avalanche or landslide closure
10. Any claim unless you have a letter from the relevant authority or tour operator confirming the event.
11. Compensation which you can get from your tour operator or anywhere else.
Please refer to the General exclusions, General conditions and Making a claim sections that also apply.

SECTION 18 WINTER SPORTS
This section only applies if Winter sports is selected by you and is shown as covered in your policy schedule.
What is covered
Ski equipment
We will pay up to £35 for each full day up to £500 in total for the hire of alternative ski equipment if:
- yours is temporarily lost or stolen on your outward journey for more than 12 hours from when you arrived at your destination; or
- yours is damaged, stolen, lost or destroyed on your journey.
We will pay up to £500 in total for your ski equipment (including ski equipment you are legally liable for) and ski pass that is damaged, stolen, lost or destroyed on your journey.
There is also a single article limit of £350, whether jointly owned or not.
Note
It will be our decision to pay either:
- the cost of repairing your items; or
- to replace your belongings with equivalent items; or
- the cost of replacing your items. An amount for wear, tear and loss of value will be deducted.
What is not covered
Under Ski equipment
3. Anything mentioned under the heading What is not covered within Section 5 - Personal possessions, with the exception of ski equipment and the excess.
Please refer to the General exclusions, General conditions and Making a claim sections that also apply.

SECTION 18 WINTER SPORTS
This section only applies if Winter sports is selected by you and is shown as covered in your policy schedule.
What is covered
Ski equipment
We will pay up to £35 for each full day up to £500 in total for the hire of alternative ski equipment if:
- yours is temporarily lost or stolen on your outward journey for more than 12 hours from when you arrived at your destination; or
- yours is damaged, stolen, lost or destroyed on your journey.
We will pay up to £500 in total for your ski equipment (including ski equipment you are legally liable for) and ski pass that is damaged, stolen, lost or destroyed on your journey.
There is also a single article limit of £350, whether jointly owned or not.
Note
It will be our decision to pay either:
- the cost of repairing your items; or
- to replace your belongings with equivalent items; or
- the cost of replacing your items. An amount for wear, tear and loss of value will be deducted.
What is not covered
Under Ski equipment
3. Anything mentioned under the heading What is not covered within Section 5 - Personal possessions, with the exception of ski equipment and the excess.
Please refer to the General exclusions, General conditions and Making a claim sections that also apply.

Winter sports
You are covered while taking part in the following activities if winter sports cover is selected by you and shown on your policy schedule:
- Skiing, snowboarding, big-foot skiing, cross-country skiing, glacier skiing, mono-skiing, and snow blading.
Off piste skiing is covered when you are skiing within the ski area boundaries of a recognised ski resort and following ski patrol guidelines.
There is no cover for:
- Bobsleighing, heli skiing, luging, ski acrobatics, skidooing, ski flying, ski jumping, ski mountaineering, ski racing, ski randonee, ski stunting, ski touring, snow cat skiing, or snow mobiling.
Snow mobiling and skidooing can be covered if Adventure Activities A is selected by you and is shown on your policy schedule (Personal Liability cover is not provided).

Repatriation
If our doctor thinks it would be in your medical interests to bring you back to your home or to a hospital or nursing home in the UK, you will normally be transferred by regular airline or road ambulance. Where medically necessary in very serious or urgent cases, we will use an air ambulance. We will consult the treating doctor and our doctor first. If you need to go home early, the treating doctor must provide a certificate confirming that you are fit to travel. Without this the airline can refuse to carry any sick or injured person.

Note
It will be our decision to pay either:
- the cost of repairing your items;
- to replace your belongings with equivalent items; or
- the cost of replacing your items. An amount for wear, tear and loss of value will be deducted.

SECTION 5 PERSONAL POSSESSIONS
This section only applies if it has been selected by you and is shown as covered in your policy schedule.
What is covered
Up to £2,500 in total for your personal possessions damaged, stolen, lost or destroyed on your journey.
The most we will pay for valuables is £400 in total whether jointly owned or not.
There is also a single article, pair or set limit of £350.
Note
It will be our decision to pay either:
- the cost of repairing your items;
- to replace your belongings with equivalent items; or
- the cost of replacing your items. An amount for wear, tear and loss of value will be deducted.
What is not covered
1. An excess of £50.
2. Ski equipment, business equipment, golf equipment, wedding rings, wedding gifts or wedding attire.
3. More than the part of the pair or set that is stolen, lost or destroyed.
4. Breakage of or damage to: sports equipment while it is being used.
5. Cracked, scratched or broken glass (other than lenses in cameras, binoculars, telescopes or spectacles), china or similar fragile items.
6. Loss or damage due to the climate, wear and tear, loss in value, process of cleaning, moths or vermin.
7. The cost of replacing or repairing false teeth.
8. A claim for more than one mobile phone per person insured.
9. Loss or theft of, or damage to the following.
a. Items for which you are unable to provide a receipt or other proof of purchase.
b. Films, video and audio tapes, computer games, CDs, mini-discs, DVDs, cartridges, memory sticks or cards unless they were purchased pre-recorded, in which case we will pay up to the replacement cost.
c. Goods which deteriorate, bottles or cartons, and any damage caused by these items or their contents.
d. Valuables left in a motor vehicle or in a tent.
e. Valuables carried in suitcases, trunks or similar containers unless they are on your person all the time.
f. Valuables unless they are on your person or locked in a safe or safety deposit box or locked in the accommodation you are using on your journey.
g. Contact or corneal lenses, unless following fire or theft.
h. Bonds, share certificates, guarantees or documents of any kind.
i. Personal possessions unless they are on your person, locked in the accommodation you are using on your journey, out of sight in the locked boot or covered luggage area of a locked motor vehicle (no cover for valuables), or are carried in accordance with your transport providers requirements (no cover for valuables).
j. Personal money (see section 6) or money held or used for business purposes.
k. Passport (see section 3).
l. Pedal cycles.
Please refer to the General exclusions, General conditions and Making a claim sections that also apply.

SECTION 4 DELAYED PERSONAL POSSESSIONS
What is covered
We will pay up to £250 in total for essential replacement items, if your personal possessions (not including valuables) are temporarily lost or stolen on your outward journey for more than 12 hours from when you arrived at your destination.
Note
You must send us the receipts for anything that you buy. If the items are permanently lost, we will take any amount that you are due to be paid under this section from the final claim settlement under section 5. This will only apply when your policy schedule shows you have Personal possessions and Personal money cover.
What is not covered
Ski equipment, golf equipment, business equipment, wedding rings, wedding gifts or wedding attire.
Please refer to the General exclusions, General conditions and Making a claim sections that also apply.

SECTION 1 CANCELLATION OR CURTAILMENT CHARGES
If you think you may have to cancel or cut your journey short (curtail), we must be told immediately - see under the heading 24-hour emergency medical assistance on page 16 for more information.
What is covered
We will pay up to £5,000 in total (including up to £400 in total for excursions), for your part of unused personal accommodation, transport charges and other travel expenses which have been paid or where there is a contract to pay that cannot be recovered from anywhere else.
We will provide this cover in the following necessary and unavoidable circumstances:
Cancellation
If you cancel your journey before it begins because one of the following happens:
- The death, serious injury or serious illness of you, someone you were going to stay with, a travelling companion, or a relative or business associate of you or a travelling companion.
- You or a travelling companion is called for jury service in the UK or as a witness in a court in the UK.
- You or a travelling companion is needed by the police following a burglary, or damage caused by serious fire, storm, flood, explosion, subsidence, vandalism, fallen trees, impact by aircraft or vehicle at your home or their home or usual place of business in the UK.
- Your redundancy.
- The Foreign and Commonwealth Office advises against all travel to your intended destination after you have booked transport or accommodation for your journey, and after the start date of your policy.
- You or a travelling companion being advised not to travel by a doctor as a result of pregnancy.
Curtailment
You cut your journey short (curtail) after it has begun because of one of the following:
- An event covered under Cancellation except redundancy or Foreign and Commonwealth Office advice.
- You are injured or ill and are in hospital for the rest of your journey.
We will calculate curtailment claims from the date it is necessary for you to return to the UK or the date you are hospitalised as an in-patient, for the rest of your journey. We will pay unused personal accommodation and other travel expenses based on each 24-hour period you have lost.
If you need to be repatriated, we will not refund the cost of your unused return travel tickets. We will put the value of these tickets towards the extra transport costs we have to pay.
What is not covered
Under Cancellation and Curtailment
1. An excess of £50.
2. Claims directly or indirectly relating to any insured persons pre-existing medical condition not declared to and accepted by us as explained under Health declaration and health exclusions on pages 18 and 19.
3. More than the minimum market value of equivalent travel tickets, if your travel tickets have been paid for using an airline mileage reward scheme.
4. Anything caused by:
- you not having the correct passport or visa;
- any restriction caused by the law of any country or people enforcing these laws;
- bankruptcy or liquidation of the company providing your transport or accommodation, their agents or any person acting for you;
- anything that the company providing your transport or accommodation, their agents, any person acting for you or your conference organiser is responsible for;
- your vehicle being stolen or breaking down;
- you not wanting to travel or not enjoying your journey;
- riot, civil commotion, strike or lock-out;
- you travelling in an aircraft (except as a passenger in a fully-licensed, passenger carrying aircraft);
- your suicide, self-injury or deliberately putting yourself at risk;
- you being under the influence of drugs (except those prescribed by a doctor but not for the treatment of drug addiction), alcohol or solvents;
- the death or illness of any pet or animal.
Under Cancellation
5. Any cancellation charges you incur because you did not tell the company providing your transport or accommodation, their agents or any person acting for you as soon as you knew you had to cancel.
6. Financial circumstances or unemployment, except caused by redundancy which you find out about after the date your policy or travel tickets for your journey were bought (whichever is the later).
Under Curtailment
7. Cutting short your journey unless we have agreed to this.
8. Any costs when you do not get a medical certificate (from the doctor who treated you in the place where you were staying) which says it was necessary for you to come home or to stay in hospital because of injury or illness. Our medical advisers must have agreed with this.
9. The cost of your original pre-booked tickets if you have not used them and we have paid extra transport costs.
10. You travelling on a motorcycle unless it is no more than 125cc, the rider holds an appropriate valid UK licence, you are wearing a crash helmet, and you have selected cover under Adventure Activities A or B and it is shown on your policy schedule.
11. Anything caused by you taking part in an activity unless it is listed under Standard Activities on pages 14 and 15, or you are taking part in an Adventure Activity or Winter Sports and it has been selected by you and is shown as covered on your policy schedule.
Please refer to the General exclusions, General conditions and Making a claim sections that also apply.

SECTION 8 MISSED DEPARTURE
What is covered
We will pay you up to £1,000 in total for the cost of extra accommodation and transport which you have to pay to get to your journey destination or back home because you do not get to the departure point by the time shown in your travel itinerary (plans) because:
- public transport (including scheduled flights) does not run to its timetable; or
- the vehicle in which you are travelling is involved in an accident or breaks down.
What is not covered
1. Any claim unless you:
a. get a letter from the public transport provider (if this applies) confirming that the service did not run on time;
b. get confirmation of the delay from the authority who went to the accident or breakdown (if this applies) affecting the vehicle you were travelling in;
c. have allowed time in your travel plans for delays which are or could reasonably be expected.
2. Any delay caused by a riot, civil commotion, strike, or industrial action which began or was announced before your policy or travel tickets for your journey were bought (whichever is later).
3. Failure of public transport caused by a riot, civil commotion, strike, or industrial action which began or was announced before you left home or where you could have reasonably made other travel arrangements.
Please refer to the General exclusions, General conditions and Making a claim sections that also apply.

SECTION 9 DELAYED DEPARTURE
What is covered
Compensation if the flight, international train or sea vessel you are booked on is delayed at its departure point from the time shown in your travel itinerary (plans) because of:
- a serious fire, storm or flood damage to the departure point;
- industrial action;
- bad weather;
- mechanical breakdown of the international train or sea vessel;
- the grounding of the aircraft due to a mechanical or a structural defect.
We will pay:
Delay
£25 for each full 12 hours of delay up to £250 in total; or
Abandonment
Up to £5,000 in total for your part of the unused costs of the journey which have been paid or where there is a contract to pay that cannot be recovered from anywhere else, if, after you have been delayed for more than 24 hours, you decide to abandon the journey before you leave the UK.
What is not covered
Under Delay and Abandonment
1. Anything which is caused by you not checking in at the departure point when you should have done.
2. Missed connections.
3. Compensation unless you get a letter from the airline, railway company or shipping line giving the reason for the delay and showing the scheduled departure time and the actual departure time of the flight, international train or sea vessel.
4. Any delay caused by a riot, civil commotion, strike, industrial action which began or was announced before your policy or travel tickets for your journey were bought (whichever is later).
Under Abandonment
5. An excess of £50.
6. More than the minimum market value of equivalent travel tickets, if your travel tickets have been paid for using an airline mileage reward scheme.
Please refer to the General exclusions, General conditions and Making a claim sections that also apply.

SECTION 9 DELAYED DEPARTURE
What is covered
Compensation if the flight, international train or sea vessel you are booked on is delayed at its departure point from the time shown in your travel itinerary (plans) because of:
- a serious fire, storm or flood damage to the departure point;
- industrial action;
- bad weather;
- mechanical breakdown of the international train or sea vessel;
- the grounding of the aircraft due to a mechanical or a structural defect.
We will pay:
Delay
£25 for each full 12 hours of delay up to £250 in total; or
Abandonment
Up to £5,000 in total for your part of the unused costs of the journey which have been paid or where there is a contract to pay that cannot be recovered from anywhere else, if, after you have been delayed for more than 24 hours, you decide to abandon the journey before you leave the UK.
What is not covered
Under Delay and Abandonment
1. Anything which is caused by you not checking in at the departure point when you should have done.
2. Missed connections.
3. Compensation unless you get a letter from the airline, railway company or shipping line giving the reason for the delay and showing the scheduled departure time and the actual departure time of the flight, international train or sea vessel.
4. Any delay caused by a riot, civil commotion, strike, industrial action which began or was announced before your policy or travel tickets for your journey were bought (whichever is later).
Under Abandonment
5. An excess of £50.
6. More than the minimum market value of equivalent travel tickets, if your travel tickets have been paid for using an airline mileage reward scheme.
Please refer to the General exclusions, General conditions and Making a claim sections that also apply.

SECTION 10 PERSONAL LIABILITY
If you are hiring a motorised or mechanical vehicle while on your journey you must make sure that you get the necessary insurance from the hire company.
We do not cover this under our policy.
What is covered
We will pay up to £2 million plus any other costs we agree to in writing that relate to anything you cause during your journey for which you are legally liable and results in one of the following:
- Bodily injury of any person.
- Loss of or damage to property which you do not own and you or a relative have not hired, loaned or borrowed.
- Loss of or damage to the accommodation you are using on your journey that does not belong to you or a relative.
Note
You must inform us as soon as you or your legal representatives are aware of a possible prosecution, inquest or injury, which might lead to a claim under this section.
Please do not negotiate, pay, settle, admit or deny any liability to any third party, without our written consent.
What is not covered
1. Any liability for bodily injury or loss of or damage to property that comes under any of the following categories:
a. Something which is suffered by anyone employed by you or a relative and is caused by the work they are employed to do.
b. Something which is caused by something you deliberately did or did not do.
c. Something which is caused by your employment or employment of a relative.
d. Something which is caused by you using any firearm or weapon.
e. Something which is caused by any animal you own, look after or control.
f. Something which you agree to take responsibility for which you would not otherwise have been responsible for.
2. Any contractual liabilities.
3. Any liability for bodily injury suffered by you, a relative or travelling companion.
4. Compensation or other costs caused by accidents arising from your ownership or possession of any of the following:
a. The use of any land or building except for the accommodation you are using on your journey.
b. Motorised or mechanical vehicles and any trailers attached to them.
c. Aircraft, motorised water craft or sailing vessels.
5. Any liability caused by you taking part in any activity unless it is listed under Standard Activity on pages 14 and 15, or you are taking part in any Adventure Activity or Winter Sports and this has been selected by you and is shown as covered in your policy schedule.
6. Any liability caused by you taking part in jet ski-ing, motorcycling, quad biking, snow mobiling or skid dooing regardless of whether you have selected Adventure Activity or Winter Sports cover.
Please refer to the General exclusions, General conditions and Making a claim sections that also apply.

SECTION 2 EMERGENCY MEDICAL AND ASSOCIATED EXPENSES
If you are taken into hospital or you think you may have to come home early or extend your journey because of illness or injury, or if your medical expenses are over £250 we must be told immediately - see under the heading 24-hour emergency assistance on page 16 for more information.
What is covered
We will pay you, or your legal representatives, or the provider of your medical treatment for the following necessary emergency expenses if you are injured, taken ill or die during your journey.
1. Overseas cover
We will also pay:
- Pet care
Up to £500 in total for reasonable cattery or kennel fees if you are taken into hospital as an in-patient during your journey and are unable to return as planned.

SECTION 12 DISASTER
What is covered
We will pay up to £1,000 for the cost of necessary extra travel and equivalent accommodation to allow you to continue with your journey or return home if you are no longer able to remain in your pre-booked accommodation as a result of a severe natural disaster affecting the area where you are staying, e.g. an earthquake, hurricane or tidal wave.
What is not covered
1. An excess of £50.
2. Any claim because you have changed your mind about travelling or continuing with your trip when the local or national authorities confirm that it is safe to stay.
3. Any claim for expenses that you can recover from elsewhere.
Please refer to the General exclusions, General conditions and Making a claim sections that also apply.

PRE-TRAVEL ADVICE
For more advice about the visas and vaccinations you may need for your journey or for general information such as the safety of drinking water, tipping, opening hours of banks and shops at your destination and reciprocal health arrangements, contact our 24-hour pre-travel advice line on 0845 640 5192, for textphone please dial 18001 first, quoting your policy number.

24-HOUR EMERGENCY MEDICAL ASSISTANCE
Please tell us immediately about any serious illness or accident abroad where you have to go into hospital or you may have to return home early or extend your stay because of any illness or injury. If you are unable to do this because the condition is life, limb, sight or organ threatening, you should contact us as soon as you can.
You must also tell us if your medical expenses are over £250. If you are claiming for a minor illness or accident you should, where possible, pay the costs and reclaim the money from us when you return. Beware of requests for you to sign for excessive treatment or charges. If in doubt about any such request, please call us. Private medical treatment is not covered unless authorised by us.
You must accept our decisions about the most suitable, practical and reasonable solutions to any medical emergency, including directing you to the most appropriate hospital or medical facility.
You can call or email 24 hours a day 365 days a year.
Please give us your policy number. Say that you are insured with LV= travel insurance. Our emergency medical assistance is provided by Cega Air Ambulance Ltd. Below are some of the ways the 24-hour emergency medical assistance service can help.
Confirmation of payment
We will contact hospitals or doctors abroad and guarantee to pay their fees, providing you have a valid claim.
Repatriation
If our medical advisers think it would be in your medical interests to bring you back to your home or to a hospital or nursing home in the UK, you will normally be transferred by regular airline or road ambulance.
Where medically necessary in very serious or urgent cases, we will use an air ambulance. We will consult the treating doctor and our medical advisers first.
If you need to go home early, the treating doctor must provide a certificate confirming that you are fit to travel. Without this the airline can refuse to carry any sick or injured person.
You can contact us at any time day or night. Your call will be answered by one of our experienced assistance co-ordinators who you should give all relevant information to. Please make sure you have details of your policy before you phone.
From outside the UK phone +44 1243 621 537. For textphone please dial +44 151 494 1260 and ask to be connected
From within the UK phone 01243 621 537, for textphone please dial 18001 first. Email: LV=@cegagroup.com

ACTIVITIES
A number of activities are automatically covered by this policy. These activities are shown in the first column of the table below under Standard Activities. Other activities that appear under Adventure Activities A and Adventure Activities B are only covered if one of these has been selected by you and is shown on your policy schedule. If B is selected, you are also covered for activities listed under A.
There is no cover for any professional sporting activity (when money is paid to you to participate), or any kind of manual work.

What is not covered
9. Loss or theft of, or damage to the following.
a. Items for which you are unable to provide a receipt or other proof of purchase.

GENERAL EXCLUSIONS
The following exclusions apply to the whole of your policy:
We will not cover you for any claim arising from, or relating to, the following:
1. A relevant fact that you knew about before you travelled, unless we agreed to it in writing.
2. Travel to a destination where the Foreign and Commonwealth Office has advised against all travel.
3. War, invasion, act of foreign enemy, hostilities (whether war is declared or not) civil war, civil commotion, rebellion, revolution, insurrection, military force, coup detat, weapons of mass destruction.
4. Terrorism. This exclusion does not apply to Section 2 Emergency medical and associated expenses, or section 7 Personal accident except where nuclear, chemical or biological weapons, devices or agents are used.
5. Any epidemic or pandemic.
6. You not following any suggestions or recommendations made by any government or other official authority.
7. Y our property being held, taken, destroyed or damaged under the order of any government or customs officials.
8. Ionising radiation or radioactive contamination from nuclear fuel or nuclear waste or any risk from nuclear equipment.
9. Any currency exchange rate changes.
10. The failure or fear of failure or inability of any equipment or any computer program, whether or not you own it, to recognise or to correctly interpret or process any date as the true or correct date, or to continue to function correctly beyond that date (except under the Emergency medical and associated expenses and Personal accident sections).
11. You acting in an illegal or malicious way.
12. You not enjoying your journey.
13. Any loss caused as a direct or indirect result of anything you are claiming for, for example loss of earnings, unless it is specifically stated as covered in the policy.
14. Children not travelling with the policyholder, the policyholders spouse or partner, or an adult (aged 22 years or over) insured by this policy, or as part of an organised school, university or club trip accompanied by a responsible adult. Children aged 16-21 years can travel unaccompanied by an adult if this has been selected by you and is shown as covered on your policy schedule.

GENERAL EXCLUSIONS
The following exclusions apply to the whole of your policy:
We will not cover you for any claim arising from, or relating to, the following:
4. Terrorism. This exclusion does not apply to Section 2 Emergency medical and associated expenses, or section 7 Personal accident except where nuclear, chemical or biological weapons, devices or agents are used.

GENERAL EXCLUSIONS
The following exclusions apply to the whole of your policy:
We will not cover you for any claim arising from, or relating to, the following:
4. Terrorism. This exclusion does not apply to Section 2 Emergency medical and associated expenses, or section 7 Personal accident except where nuclear, chemical or biological weapons, devices or agents are used.

GENERAL EXCLUSIONS
The following exclusions apply to the whole of your policy:
We will not cover you for any claim arising from, or relating to, the following:
10. The failure or fear of failure or inability of any equipment or any computer program, whether or not you own it, to recognise or to correctly interpret or process any date as the true or correct date, or to continue to function correctly beyond that date (except under the Emergency medical and associated expenses and Personal accident sections).

MAKING A CLAIM
Wherever possible claims should be notified to us by the policyholder.
To claim, phone 0845 640 5194, for textphone please dial 18001 first, (8am to 8pm Monday to Friday and 8am to 4pm Saturday) and ask for a claim form or write to LV= travel insurance claims department, Funtington Park, Cheesmans Lane, Hambrook, Chichester PO18 8UE.
You should fill in the form and send it to us as soon as possible with all the information and documents we ask for.
It is essential that you provide us with as much detail as possible to enable us to handle your claim quickly. Please keep photocopies of all information you send us.
You may need to obtain some information about your claim while you are away.
Below is a list of the documents we will need in order to deal with your claim.
For all claims
- Your original journey booking invoice(s) and travel documents showing the dates and times of travel.
- Original receipts and accounts for all out of pocket expenses you have to pay.
- Original bills or invoices you are asked to pay.
- Details of any other insurance you may have that may cover the same loss, such as household or private medical.
- As much evidence as possible to support your claim.
Cancellation or curtailment
- If you need to curtail your journey call from within the UK on 01243 621 537, for textphone please dial 18001 first, or from outside the UK on +44 1243 621 537, for textphone please dial +44 151 494 1260
and ask to be connected, immediately to get our prior agreement.
- Original cancellation invoice(s) detailing all cancellation charges incurred.
- For claims relating to illness or injury (including inability to go on pre-booked excursions) a medical certificate will need to be completed by the treating doctor. A certified copy of the death certificate is required in the event of death.
- If your claim results from any other circumstances, please provide evidence of these.
Medical expenses
- Always contact our 24-hour emergency medical service when you are hospitalised, require repatriation or where medical fees are likely to exceed £250. Call from within the UK on 01243 621 537, for textphone please dial 18001 first, or from outside the UK on +44 1243 621 537, for textphone please dial +44 151 494 1260 and ask to be connected.
- Medical evidence from the treating doctor to confirm the illness or injury and treatment given including hospital admission and discharge dates, if this applies.
- If you are advised by a doctor at your resort that you cannot go on your pre-booked excursions because of medical reasons, you should obtain a medical certificate from them confirming this.
Loss of passport
- Original receipts for extra travel and accommodation costs.
- Written confirmation or receipt from the Consulate where the incident happened detailing the date of loss and cost of replacement, together with a written report from the police.
Personal possessions and Personal money
- Report the theft, damage or loss to the police within 24 hours of discovery and ask them for a written police report.
You should also report the theft, damage or loss to your courier/transport provider, or accommodation manager/holiday representative and ask for a written report.
- Original receipts, vouchers or other suitable evidence of purchase/ownership/value for lost, stolen or damaged personal possessions.
- Confirmation, such as foreign exchange receipts and withdrawal slips, from your bank or bureau de change for issuing foreign currency or Sterling.
- Keep any damaged items as we may need to inspect them. If we make a payment, or we replace an item, the item will then belong to us.
- An estimate for repair for all damaged items.
- For claims for loss or damage of items in transit, inform your carrier as soon as possible and in accordance with their conditions of carriage, which may impose a strict time limit. For damage to checked-in baggage you must claim in writing to an EU airline within 7 days of its return.
Delayed personal possessions
- Inform your carrier as soon as possible and in accordance with their conditions of carriage, which may impose a strict time limit. For delayed baggage you must claim in writing to an EU airline within 21 days of its return.
Personal accident
- Detailed account of the circumstances surrounding the event (including, photographs and video evidence if this applies).
- Medical evidence from the treating doctor to confirm the extent of the injury and treatment given including, hospital admission/discharge.
- Full details of any witnesses, providing written statements where available.
- A certified copy of the death certificate if this applies.
Missed departure
- Detailed account of the circumstances causing you to miss your departure together with supporting evidence from the public transport provider, or the accident/breakdown authority attending the private vehicle you were travelling in, or the authority whose security measure caused you to miss your departure.
Delayed departure
- Written confirmation from the airline, rail company, shipping line or their handling agent of the scheduled and actual departure times and why the departure was delayed.
Personal liability
- A detailed account of the circumstances surrounding the claim (including, photographs and video evidence if this applies).
- Any writ, summons or other correspondence received from any third party.
Please note that you should not admit liability, offer to make any payment or correspond with any third party without our written consent.
- Full details of any witnesses, providing written statements where available.
Legal expenses
- Detailed account of the circumstances surrounding the event (including, photographs and video evidence if this applies) within 90 days of the event causing your claim.
- Any writ, summons or other correspondence received from any third party.
Please note that you should not reply to any correspondence from a third party without our written consent.
- Full details of any witnesses, providing written statements where available.
Disaster
- Original receipts for additional travel and accommodation expenses
- Original booking invoices and travel documents showing dates and times of travel and confirmation of accommodation.
- Written confirmation of the disaster from the local or national authority of the area where it happened.
Hijack or Kidnap
- Supporting evidence from the appropriate authority confirming the hijack or kidnap.
Home help
- Medical evidence from the treating doctor to confirm your illness or injury requires home help assistance.
- If you need home help call 0845 640 5194, for textphone please dial 18001 first, immediately to get our prior agreement.
Recovery holiday
- Medical evidence from the treating doctor confirming you are fit to take your recovery holiday.
- Confirmation from your transport/accommodation provider that your recovery holiday will be taken within 90 days of returning home.
- Before booking your recovery holiday call 0845 640 5194, for textphone please dial 18001 first, immediately to get our prior agreement
Cosmetic surgery
- Medical evidence from the treating doctor to confirm your illness or injury requires cosmetic surgery and that this will be performed within 90 days of returning home.
- If you need cosmetic surgery call 0845 640 5194, for textphone please dial 18001 first, immediately to get our prior agreement.
Medical examination
- Medical evidence from the treating doctor to confirm that this will be performed within 30 days of returning home.
- If you need a medical examination call 0845 640 5194, for textphone please dial 18001 first, immediately to get our prior agreement.
Winter sports/Golf cover
Ski pack/Loss of green fees
- Medical evidence from the treating doctor to confirm the illness or injury and treatment given including hospital admission/discharge if this applies.
- If you are advised by a doctor at your resort that you cannot take part in your pre-booked ski/golf activities because of medical reasons, you should obtain a medical certificate from them confirming this.
Ski equipment/Golf equipment
- All appropriate evidence required under the headings Personal possessions and Personal moneyand Delayed personal possessions.
- All hire receipts and luggage labels/tags.
- A written report from your airline or other carrier if your ski equipment/golf equipment/business equipment is delayed or misdirected.
Piste closure
- Written confirmation from your tour operator, the local piste authority or ski lift operator confirming the reason for the closure and duration.
Wedding Cover
Wedding rings, gifts or attire
- All appropriate evidence required under the headings Personal possessions and Personal money.
Wedding photographs/videos
- All appropriate evidence required under the headings Personal possessions and Personal money.
- Written evidence from the photographer confirming the incident.
- An estimate for taking/retaking replacement photographs or video.
Business Travel
Business equipment
- All appropriate action required under the headings Personal possessions and Personal money and Delayed personal possessions.
Replacement business colleague
- For claims relating to illness or injury a medical certificate will need to be completed by the treating doctor. A certified copy of the death certificate is required in the event of death.

GENERAL CONDITIONS
The following conditions apply to the whole of your policy. Please read these carefully as we can only pay your claim if you meet these:
1. You are a resident of the United Kingdom.
2. You take reasonable care to protect yourself and your property against accident, injury, loss and damage and act as if you are not insured and to minimise any potential claim.
3. You accept that we will not extend the period of insurance:
- for single trip cover if the policy has either ended or been in force for longer than 366 days
- for annual multi-trip cover beyond the expiry of your policy unless you cannot finish your journey as planned because of injury, illness or death, or there is a delay to the public transport that cannot be avoided.
4. You contact us as soon as possible with full details of anything which may result in a claim and give us all the information we ask for.
5. You follow the instructions under section Making a claim on pages 53 to 58.
6. You accept that no alterations to the terms and conditions of the policy apply, unless we confirm them in writing to you.
7. You are not aged:
- 80 or over at the date your travel insurance quotation was given.
We have the right to do the following
1. Cancel the policy and make no payment if you make a fraudulent claim. We may in these instances report the matter to the police.
2. Take over and deal with, in your name, any claim you make under this policy.
3. Accept notification of a claim from any person insured, and provide emergency advice and assistance to any person insured, without specific instructions from the policyholder.
4. Take legal action in your name (but at our expense) and ask you to give us details and fill in any forms (including Department of Social Security forms), which will help us to recover any payment we have made under this policy.
5. Obtain information from your medical records to help us or our representatives deal with any claim. This could include a request for you to be medically examined or for a post mortem to be carried out in the event of your death. We will not give personal information about you to any other organisation without your specific agreement.
6. Send you home at any time during your journey if you are taken ill or injured.
We will only do this if the doctor treating you and our medical advisers agree.
If there is a dispute, we will ask for an independent medical opinion.
7. Make any cash settlement to any insured person and not notify the policyholder that a claim has been made.
8. Not accept liability for costs incurred after the date the treating doctor and our medical advisers agree you should return to the UK, if you refuse to be repatriated.
9. Only refund or transfer your premium if you decide that the policy does not meet your needs and you have contacted us within 14 days from the date you receive your policy and policy schedule. We can recover all costs that you have used if you have travelled or made a claim or intend to make a claim.
10. Not to pay any claim on this policy (except under the Personal accident section) for any amounts covered by another insurance. In these circumstances we will only pay our share of the claim.
11. If you cancel or cut short your journey:
- All cover provided on your single trip policy will be cancelled without refunding your premium.
- All cover provided on your annual multi-trip policy for that journey will be cancelled without refunding your premium.
12. Ask you to pay us back any amounts that we have paid to you which are not covered by this policy.

Excess
The amount we will deduct for each person insured, for each section, for each claim incident. For example a couple that both have personal possessions stolen from their bag and both incur a medical expense during the same journey, will have a total of four excesses deducted. Two of these will be for the two claims under section 5 (Personal possessions) and two of these will be for the two claims under section 2 (Emergency medical and associated expenses).

Under both 1 Overseas cover and 2 UK cover
1. An excess of £50, unless your claim is reduced because you used an EHIC card or any other reciprocal health arrangement (see Reciprocal health arrangements on page 17 for more information). This does not apply to the in-patient or pet care benefits.