Lloyds TSB Annual Multi-Trip Travel Insurance

Section B - Emergency medical, additional accommodation and travelling costs
What is covered
We will pay You up to £5,000,000 for the following expenses which are necessarily incurred within 12 months of the incident as a result of Your suffering Bodily Injury or illness and/or compulsory quarantine:
Emergency medical, surgical, hospital, ambulance and nursing fees and charges incurred outside of Your Home Area.
Emergency dental treatment for the immediate relief of pain and/or emergency repairs to dentures or artificial teeth carried out solely to alleviate distress in eating, up to a limit of £1,000, incurred outside Your Home Area.
In the event of Your death outside Your Home Area the reasonable additional cost of funeral expenses abroad up to a maximum of £1,000 plus the reasonable cost of conveying Your ashes to Your Home, or the additional costs of returning Your body to Your Home.
Reasonable additional transport or accommodation expenses incurred, up to the standard of Your original booking, if it is medically necessary for You to stay beyond Your scheduled return date. This includes, with the prior authorisation of AXA Assistance, reasonable additional transport or accommodation expenses for a friend or Close Relative to remain with You or travel to You from Your Home Area or escort You and additional travel expenses to return You to Your Home if You are unable to use the return ticket.
With the prior authorisation of AXA Assistance, the additional costs incurred in the use of air transport or other suitable means, including qualified attendants, to repatriate You to Your Home or a suitable hospital nearby if it is medically necessary. Repatriation expenses will be:
a) in respect only of the identical class of travel utilised on the outward journey unless AXA Assistance agree otherwise and
b) in the event of Your hospitalisation more than 50 miles from Your Home during a Trip solely within Your Home Area, limited to £500.
A single journey air ticket, as the same class of travel as that paid by You on Your outward Trip, to enable a business colleague, where necessary, to replace You in Your location outside Your Home Area following Your medical repatriation or death during a Trip.
Additional travelling costs in returning Home Your children under 18 years of age and insured under the Policy if You are incapacitated and there is no other responsible adult to supervise them. A competent person will be provided to accompany the children Home.
What is not covered
The first £40 of each and every claim per incident for each Insured Person.
Any claims arising directly or indirectly in respect of:
a) Costs of telephone calls, other than calls to AXA Assistance notifying them of the problem for which You are able to provide a receipt or other evidence to show the cost of the call and the number telephoned.
b) Any pre-planned pre-known medical or dental treatment or diagnostic procedure.
c) Treatment for cosmetic purposes, unless Our doctor agrees that such treatment is necessary as the result of an accident covered under this Policy.
d) Dental treatment involving the provision of dentures or artificial teeth or the use of precious metals.
e) The cost of treatment or surgery, including exploratory tests, which are not directly related to the Bodily Injury or illness which necessitated Your admittance into hospital.
f) Any expenses which are not usual, reasonable or customary to treat Your Bodily Injury or illness.
g) Any form of treatment or surgery which in the opinion of the Medical Practitioner in attendance and AXA Assistance can be delayed reasonably until Your return to Your Home Area.
h) Expenses incurred in obtaining or replacing medication, which at the time of departure is known to be required or to be continued outside Your Home Area.
i) Additional costs arising from single or private room accommodation.
j) Treatment or services provided by a health spa, convalescent or nursing home or any rehabilitation centre unless agreed by AXA Assistance.
k) Any expenses incurred after You have returned to Your Home Area other than in connection with transportation of You or Your remains Home from abroad.
l) Expenses incurred as a result of any Medical Condition where You have not had the recommended inoculations and/or taken the recommended medication, to prevent that condition.
m) Your decision not to be repatriated after the date when in the opinion of AXA Assistance it is safe to do so.
Anything mentioned in the exclusions on pages 18-20.
Special conditions relating to claims
1. You must obtain Our prior authorisation before incurring any expenses over £500.
2. You must give notice as soon as possible to AXA Assistance or Us of any Bodily Injury or illness which necessitates Your admittance to hospital as an in-patient or before any arrangements are made for Your repatriation.
3. In the event of Your Bodily Injury or illness We reserve the right to relocate You from one hospital to another and arrange for Your repatriation to Your Home Area at any time during the Trip. We will do this if in the opinion of the Medical Practitioner in attendance or AXA Assistance You can be moved safely and/or travel safely to Your Home Area to continue treatment.
In an emergency
You should first check that the circumstances are covered by Your policy. Having done this please contact the number shown on page 14, giving Your name, followed by Your policy number and as much information as possible. You must not arrange in flight medical care for Your return journey without the permission of the AXA Assistance.
Our medical advisors will consult with the doctors treating You to decide if this is reasonably necessary and will make the appropriate arrangements for You. In some cases it may be necessary for Us to contact Your GP in order to assist in the event of a medical emergency. Please give Us a telephone, fax or telex number where We can reach You or leave messages at any time of day or night.
To comply with the terms and conditions of the insurance You must obtain Our prior authorisation before incurring any expenses over £500. In case of an emergency, if You are physically prevented from contacting Us immediately, You or someone designated by You must contact Us within 48 hours. For assistance outside the United Kingdom please see the telephone numbers on page 14.

Section D Personal accident cover
Special Definitions which apply to this section only
Loss of Limb means the loss by permanent physical severance, or the total and irrecoverable permanent loss of use of function of, an arm at or above the wrist joint, or a leg at or above the ankle joint.
Loss of Sight means the total and irrecoverable loss of sight in one or both eye(s); this is considered to have occurred if the degree of sight remaining after correction is 3/60 or less on the Snellen scale. Permanent Total Disablement means disablement which medical evidence confirms and having lasted for a period of at least 12 consecutive months from the date of occurrence will, entirely prevent You from engaging in, or giving any attention to, any business or occupation for the remainder of Your life.
Section D Personal accident cover (continued)
What is covered
Means We will pay one of the benefits shown below if You sustain Bodily Injury which shall solely and independently of any other cause, result within two years in Your death, Loss of Limb, Loss of Sight or Permanent Total Disablement.

BENEFIT     Up to age 15 years inclusive  Age 16 to 68 years inclusive  Age 69 years and over
1. Death     £1,000     £15,000     £1,000
2. Loss of one or more limbs
and/or loss of sight in one or both eyes  £30,000     £30,000     £30,000
3. Permanent total disablement   £30,000     £30,000     £30,000
What is not covered
Anything mentioned in the exclusions on pages 18-20.
Special conditions relating to claims
1. Our Medical Practitioner may examine You as often as they deem necessary in the event of a claim.
Provisions
1. Benefit is not payable to You:
a) Under more than one of items 1., 2. or 3.
b) Under item 3. until one year after the date You sustain Bodily Injury
c) Under item 3. if You are able or may be able to carry out any gainful employment or gainful occupation.

Section C Hospital benefit
What is covered
We will pay You £25 for every complete 24 hours You have to stay in hospital as an in-patient outside Your Home Area up to a maximum of £250 as a result of
Bodily Injury or illness You sustain. We will pay the amount above in addition to any amount payable under Section B Emergency medical, additional accommodation and travelling costs.
What is not covered
Any claims arising directly or indirectly from:
a) Any additional period of hospitalisation relating to treatment or surgery, including exploratory tests, which are not directly related to the Bodily Injury or illness which necessitated Your admittance into hospital.
b) Hospitalisation relating to any form of treatment or surgery which in the opinion of the Medical Practitioner in attendance and AXA Assistance can be delayed reasonably until Your return to Your Home Area.
c) Any additional period of hospitalisation relating to treatment or services provided by a convalescent or nursing home or any rehabilitation centre.
d) Hospitalisation as a result of any Medical Condition where You have not had the recommended inoculations and/or taken the recommended medication, to prevent that condition.
e) Any additional period of hospitalisation following Your decision not to be repatriated after the date when in the opinion of AXA Assistance it is safe to do so.
Anything mentioned in the exclusions on pages 18-20.
Special conditions relating to claims
1. You must give notice as soon as possible to AXA Assistance or Us of any Bodily Injury or illness which necessitates Your admittance to hospital as an in-patient.
Please refer to page 14 for our important telephone numbers.

Section B - Emergency medical, additional accommodation and travelling costs
What is covered
Emergency dental treatment for the immediate relief of pain and/or emergency repairs to dentures or artificial teeth carried out solely to alleviate distress in eating, up to a limit of £1,000, incurred outside Your Home Area. g.

Section B - Emergency medical, additional accommodation and travelling costs
What is covered
In the event of Your death outside Your Home Area the reasonable additional cost of funeral expenses abroad up to a maximum of £1,000 plus the reasonable cost of conveying Your ashes to Your Home, or the additional costs of returning Your body to Your Home.

Section B - Emergency medical, additional accommodation and travelling costs
What is covered
In the event of Your death outside Your Home Area the reasonable additional cost of funeral expenses abroad up to a maximum of £1,000 plus the reasonable cost of conveying Your ashes to Your Home, or the additional costs of returning Your body to Your Home.

Section F - Personal money and travel documents
What is covered
We will pay You up to £500 for the accidental loss of, theft of or damage to Personal Money and Travel Documents (including driving licence).
The maximum We will pay for the following items is:
a) For bank notes, currency notes and coins £250.
b) If You are under the age of 16, for bank notes currency notes and coins £50.
We will also pay up to £200 for reasonable additional travel and accommodation expenses incurred necessarily abroad to obtain a replacement of Your lost or stolen passport or visa.
What is not covered
The first £40 of each and every claim per incident for each Insured Person.
Loss, theft of or damage to Personal Money left Unattended at any time (including in a vehicle or in the custody of carriers) unless deposited in a hotel safe, safety deposit box or left in Your locked accommodation.
Loss, theft of or damage to travellers cheques if You have not complied with the issuers conditions or where the issuer provides a replacement service.
Loss or damage due to delay, confiscation or detention by customs or other authority.
Loss or damage due to depreciation in value, variations in exchange rates or shortages due to error or omission.
Anything mentioned in the general exclusions on page 20.
Special conditions relating to claims
1. You must report to the local Police within 24 hours of discovery and obtain a written report of the loss, theft or attempted theft of all Personal Money and Travel Documents.
2. If Personal Money and Travel Documents are lost, stolen or damaged while in the care of a carrier, transport company, authority or hotel You must report to them, in writing, details of the loss, theft or damage and obtain written confirmation. If Personal Money and Travel Documents are lost, stolen or damaged whilst in the care of an airline You must:
a) obtain a Property Irregularity Report from the airline
b) give formal written notice of the claim to the airline within the time limit contained in their conditions of carriage (please retain a copy)
c) retain all travel tickets and tags for submission if a claim is to be made under this policy
3. Receipts for items lost, stolen or damaged must be retained as these will help You to substantiate Your claim.
Please refer to page 14 for our important telephone numbers.

Section F - Personal money and travel documents
What is covered
We will pay You up to £500 for the accidental loss of, theft of or damage to Personal Money and Travel Documents (including driving licence).
The maximum We will pay for the following items is:
a) For bank notes, currency notes and coins £250.
b) If You are under the age of 16, for bank notes currency notes and coins £50.
We will also pay up to £200 for reasonable additional travel and accommodation expenses incurred necessarily abroad to obtain a replacement of Your lost or stolen passport or visa.
What is not covered
The first £40 of each and every claim per incident for each Insured Person.
Loss, theft of or damage to Personal Money left Unattended at any time (including in a vehicle or in the custody of carriers) unless deposited in a hotel safe, safety deposit box or left in Your locked accommodation.
Loss, theft of or damage to travellers cheques if You have not complied with the issuers conditions or where the issuer provides a replacement service.
Loss or damage due to delay, confiscation or detention by customs or other authority.
Loss or damage due to depreciation in value, variations in exchange rates or shortages due to error or omission.
Anything mentioned in the general exclusions on page 20.
Special conditions relating to claims
1. You must report to the local Police within 24 hours of discovery and obtain a written report of the loss, theft or attempted theft of all Personal Money and Travel Documents.
2. If Personal Money and Travel Documents are lost, stolen or damaged while in the care of a carrier, transport company, authority or hotel You must report to them, in writing, details of the loss, theft or damage and obtain written confirmation. If Personal Money and Travel Documents are lost, stolen or damaged whilst in the care of an airline You must:
a) obtain a Property Irregularity Report from the airline
b) give formal written notice of the claim to the airline within the time limit contained in their conditions of carriage (please retain a copy)
c) retain all travel tickets and tags for submission if a claim is to be made under this policy
3. Receipts for items lost, stolen or damaged must be retained as these will help You to substantiate Your claim.
Please refer to page 14 for our important telephone numbers.

Section N - Overseas Legals Expenses and assistance
What is covered
1. We will pay up to £25,000 for legal costs to pursue a civil action for compensation if someone else causes You Bodily Injury, illness or death.
What is not covered
We shall not be liable for:
Any claim where in Our opinion there is insufficient prospect of success in obtaining reasonable compensation.
Legal costs and expenses incurred in pursuit of any claim against a travel agent, tour operator, carrier, Us, AXA Assistance or their agents, someone You were travelling with, a person related to You, or another Insured Person.
Legal costs and expenses incurred prior to Our written acceptance of the case.
Any claim where the legal costs and expenses are likely to be greater than the anticipated amount of compensation.
Any claim where legal costs and expenses are based directly or indirectly on the amount of compensation awarded (for example a Contingency Fee Agreement).
Legal costs and expenses incurred in any claim which is capable of being pursued under a Conditional Fee Agreement.
Legal costs and expenses incurred if an action is brought in more than one country.
Any claim where in Our opinion the estimated amount of compensation payment is less than £1,000 for each Insured Person.
Travel, accommodation and incidental costs incurred to pursue a civil action for compensation.
Costs of any Appeal.
Claims occurring within the United Kingdom.
Claims by You other than in Your private capacity.
Anything mentioned in the general exclusions on page 20.Special conditions relating to claims
1. We shall have complete control over the legal case through agents We nominate, by appointing agents of Our choice on Your behalf with the expertise to pursue Your claim.
2. You must follow Our agents advice and provide any information and assistance required within a reasonable timescale.
3. You must advise Us of any offers of settlement made by the negligent third party and You must not accept any such offer without Our consent.
4. We will decide the point at which Your legal case cannot usefully be pursued further. After that no further claims can be made against Us.
5. We may include a claim for Our legal costs and other related expenses.
6. We may, at Our own expense, take proceedings in Your name to recover compensation from any third party in respect of any indemnity paid under this policy. You must give such assistance as We shall reasonably require and any amount recovered shall belong to Us.
Please refer to page 14 for our important telephone numbers.

Section F - Personal money and travel documents
What is covered
We will pay You up to £500 for the accidental loss of, theft of or damage to Personal Money and Travel Documents (including driving licence).
The maximum We will pay for the following items is:
a) For bank notes, currency notes and coins £250.
b) If You are under the age of 16, for bank notes currency notes and coins £50.
We will also pay up to £200 for reasonable additional travel and accommodation expenses incurred necessarily abroad to obtain a replacement of Your lost or stolen passport or visa.
What is not covered
The first £40 of each and every claim per incident for each Insured Person.
Loss, theft of or damage to Personal Money left Unattended at any time (including in a vehicle or in the custody of carriers) unless deposited in a hotel safe, safety deposit box or left in Your locked accommodation.
Loss, theft of or damage to travellers cheques if You have not complied with the issuers conditions or where the issuer provides a replacement service.
Loss or damage due to delay, confiscation or detention by customs or other authority.
Loss or damage due to depreciation in value, variations in exchange rates or shortages due to error or omission.
Anything mentioned in the general exclusions on page 20.
Special conditions relating to claims
1. You must report to the local Police within 24 hours of discovery and obtain a written report of the loss, theft or attempted theft of all Personal Money and Travel Documents.
2. If Personal Money and Travel Documents are lost, stolen or damaged while in the care of a carrier, transport company, authority or hotel You must report to them, in writing, details of the loss, theft or damage and obtain written confirmation. If Personal Money and Travel Documents are lost, stolen or damaged whilst in the care of an airline You must:
a) obtain a Property Irregularity Report from the airline
b) give formal written notice of the claim to the airline within the time limit contained in their conditions of carriage (please retain a copy)
c) retain all travel tickets and tags for submission if a claim is to be made under this policy
3. Receipts for items lost, stolen or damaged must be retained as these will help You to substantiate Your claim.
Please refer to page 14 for our important telephone numbers.

Section F - Personal money and travel documents
What is covered
We will pay You up to £500 for the accidental loss of, theft of or damage to Personal Money and Travel Documents (including driving licence).
The maximum We will pay for the following items is:
a) For bank notes, currency notes and coins £250.
b) If You are under the age of 16, for bank notes currency notes and coins £50.
We will also pay up to £200 for reasonable additional travel and accommodation expenses incurred necessarily abroad to obtain a replacement of Your lost or stolen passport or visa.
What is not covered
The first £40 of each and every claim per incident for each Insured Person.
Loss, theft of or damage to Personal Money left Unattended at any time (including in a vehicle or in the custody of carriers) unless deposited in a hotel safe, safety deposit box or left in Your locked accommodation.
Loss, theft of or damage to travellers cheques if You have not complied with the issuers conditions or where the issuer provides a replacement service.
Loss or damage due to delay, confiscation or detention by customs or other authority.
Loss or damage due to depreciation in value, variations in exchange rates or shortages due to error or omission.
Anything mentioned in the general exclusions on page 20.
Special conditions relating to claims
1. You must report to the local Police within 24 hours of discovery and obtain a written report of the loss, theft or attempted theft of all Personal Money and Travel Documents.
2. If Personal Money and Travel Documents are lost, stolen or damaged while in the care of a carrier, transport company, authority or hotel You must report to them, in writing, details of the loss, theft or damage and obtain written confirmation. If Personal Money and Travel Documents are lost, stolen or damaged whilst in the care of an airline You must:
a) obtain a Property Irregularity Report from the airline
b) give formal written notice of the claim to the airline within the time limit contained in their conditions of carriage (please retain a copy)
c) retain all travel tickets and tags for submission if a claim is to be made under this policy
3. Receipts for items lost, stolen or damaged must be retained as these will help You to substantiate Your claim.
Please refer to page 14 for our important telephone numbers.

Section J, K, L and M Winter sports
Your policy schedule will show if You have purchased this Upgrade.
Under single trip policies You will be covered if You have purchased the appropriate Upgrade. Under annual multi trip policies You are covered for up to 17 or 30 days (depending on the Upgrade purchased) in each Period of Insurance when taking part in Winter Sports (as defined in the Definitions section of this policy) if You have purchased the appropriate Upgrade.
Winter Sports cover is not available for persons aged 65 and over, when engaging in Winter Sports for the very first time.
You must be accompanied by a qualified guide or instructor for all off-piste activities. All conditions and exclusions (except where these are amended below) continue to apply.
Section J - Ski Equipment
What is covered
1. We will pay You up to £300 for the accidental loss of, theft of or damage to Your own Ski Equipment, or up to £200 for hired Ski Equipment. The amount payable will be the value at todays prices less a deduction for wear, tear and depreciation (or We may at Our option replace, reinstate or repair the lost or damaged Ski Equipment).
The maximum We will pay for any one article, Pair or Set of articles is £300.
What is not covered
The first £40 of each and every claim per incident for each Insured Person.
Loss, theft of or damage to Ski Equipment contained in an Unattended vehicle unless:
a) the items are locked out of sight in a Secure Baggage Area;
b) forcible and violent means have been used by an unauthorised person to effect entry into the vehicle;
c) evidence of such entry is available.
Loss or damage due to delay, confiscation or detention by customs or other authority.
Loss or damage caused by wear and tear, depreciation, deterioration, atmospheric or climatic conditions, moth, vermin, any process of cleaning repairing or restoring, mechanical or electrical breakdown.
Anything mentioned in the general exclusions on page 20.

Section J, K, L and M Winter sports
Your policy schedule will show if You have purchased this Upgrade.
Under single trip policies You will be covered if You have purchased the appropriate Upgrade. Under annual multi trip policies You are covered for up to 17 or 30 days (depending on the Upgrade purchased) in each Period of Insurance when taking part in Winter Sports (as defined in the Definitions section of this policy) if You have purchased the appropriate Upgrade.
Winter Sports cover is not available for persons aged 65 and over, when engaging in Winter Sports for the very first time.
You must be accompanied by a qualified guide or instructor for all off-piste activities. All conditions and exclusions (except where these are amended below) continue to apply.
Section J - Ski Equipment
What is covered
1. We will pay You up to £300 for the accidental loss of, theft of or damage to Your own Ski Equipment, or up to £200 for hired Ski Equipment. The amount payable will be the value at todays prices less a deduction for wear, tear and depreciation (or We may at Our option replace, reinstate or repair the lost or damaged Ski Equipment).
The maximum We will pay for any one article, Pair or Set of articles is £300.
What is not covered
The first £40 of each and every claim per incident for each Insured Person.
Loss, theft of or damage to Ski Equipment contained in an Unattended vehicle unless:
a) the items are locked out of sight in a Secure Baggage Area;
b) forcible and violent means have been used by an unauthorised person to effect entry into the vehicle;
c) evidence of such entry is available.
Loss or damage due to delay, confiscation or detention by customs or other authority.
Loss or damage caused by wear and tear, depreciation, deterioration, atmospheric or climatic conditions, moth, vermin, any process of cleaning repairing or restoring, mechanical or electrical breakdown.
Anything mentioned in the general exclusions on page 20.

Section J, K, L and M Winter sports
Your policy schedule will show if You have purchased this Upgrade.
Under single trip policies You will be covered if You have purchased the appropriate Upgrade. Under annual multi trip policies You are covered for up to 17 or 30 days (depending on the Upgrade purchased) in each Period of Insurance when taking part in Winter Sports (as defined in the Definitions section of this policy) if You have purchased the appropriate Upgrade.
Winter Sports cover is not available for persons aged 65 and over, when engaging in Winter Sports for the very first time.
You must be accompanied by a qualified guide or instructor for all off-piste activities. All conditions and exclusions (except where these are amended below) continue to apply.
Section J - Ski Equipment
What is covered
1. We will pay You up to £300 for the accidental loss of, theft of or damage to Your own Ski Equipment, or up to £200 for hired Ski Equipment. The amount payable will be the value at todays prices less a deduction for wear, tear and depreciation (or We may at Our option replace, reinstate or repair the lost or damaged Ski Equipment).
The maximum We will pay for any one article, Pair or Set of articles is £300.
What is not covered
The first £40 of each and every claim per incident for each Insured Person.
Loss, theft of or damage to Ski Equipment contained in an Unattended vehicle unless:
a) the items are locked out of sight in a Secure Baggage Area;
b) forcible and violent means have been used by an unauthorised person to effect entry into the vehicle;
c) evidence of such entry is available.
Loss or damage due to delay, confiscation or detention by customs or other authority.
Loss or damage caused by wear and tear, depreciation, deterioration, atmospheric or climatic conditions, moth, vermin, any process of cleaning repairing or restoring, mechanical or electrical breakdown.
Anything mentioned in the general exclusions on page 20.

Section K Ski pack
What is covered
1. We will pay You:
a) for the unused portion of Your ski pack (ski school fees, lift passes and hired Ski Equipment) following Your Bodily Injury or illness. The combined total amount payable under Section A Cancellation or curtailment charges and early return and Section K Ski pack will be no more than £5,000
b) up to £150 for the unused portion of Your lift pass if lost.
What is not covered
Anything mentioned in the general exclusions on page 20.

Section K Ski pack
What is covered
1. We will pay You:
a) for the unused portion of Your ski pack (ski school fees, lift passes and hired Ski Equipment) following Your Bodily Injury or illness. The combined total amount payable under Section A Cancellation or curtailment charges and early return and Section K Ski pack will be no more than £5,000
b) up to £150 for the unused portion of Your lift pass if lost.
What is not covered
Anything mentioned in the general exclusions on page 20.

Section L - Piste Closure
What is covered
1. We will pay You up to £15 per day, up to a maximum of £150 for the cost of transport to an alternative site if lack of snow conditions or avalanche results in the closure of skiing facilities (excluding cross-country skiing) in Your resort and it is not possible to ski. The cover only applies:
a) to the resort which You have pre-booked for a period exceeding 24 consecutive hours and for so long as such conditions prevail at the resort, but not exceeding the pre-booked period of Your Trip and
b) to Trips taken outside the United Kingdom (other than Scotland) during the published ski season for Your resort If no alternative sites are available We will
pay You compensation of £15 per day up to a maximum of £150.
What is not covered
Anything mentioned in the general exclusions on page 20.

Section L - Piste Closure
What is covered
1. We will pay You up to £15 per day, up to a maximum of £150 for the cost of transport to an alternative site if lack of snow conditions or avalanche results in the closure of skiing facilities (excluding cross-country skiing) in Your resort and it is not possible to ski. The cover only applies:
a) to the resort which You have pre-booked for a period exceeding 24 consecutive hours and for so long as such conditions prevail at the resort, but not exceeding the pre-booked period of Your Trip and
b) to Trips taken outside the United Kingdom (other than Scotland) during the published ski season for Your resort If no alternative sites are available We will
pay You compensation of £15 per day up to a maximum of £150.
What is not covered
Anything mentioned in the general exclusions on page 20.

Section L - Piste Closure
What is covered
1. We will pay You up to £15 per day, up to a maximum of £150 for the cost of transport to an alternative site if lack of snow conditions or avalanche results in the closure of skiing facilities (excluding cross-country skiing) in Your resort and it is not possible to ski. The cover only applies:
a) to the resort which You have pre-booked for a period exceeding 24 consecutive hours and for so long as such conditions prevail at the resort, but not exceeding the pre-booked period of Your Trip and
b) to Trips taken outside the United Kingdom (other than Scotland) during the published ski season for Your resort If no alternative sites are available We will pay You compensation of £15 per day up to a maximum of £150.
What is not covered
Anything mentioned in the general exclusions on page 20.

Section M - Hire of Ski Equipment
What is covered
1. We will pay You up to £20 per day, up to a maximum of £300 for the reasonable cost of hiring replacement Ski Equipment as a result of the accidental loss of, theft of, damage to or temporary loss in transit for more than 24 hours of Your own Ski Equipment.
What is not covered
Loss, theft of or damage to Ski Equipment contained in an Unattended vehicle unless:
a) the items are locked out of sight in a Secure Baggage Area;
b) forcible and violent means have been used by an unauthorised person to effect entry into the vehicle;
c) evidence of such entry is available.
Loss or damage due to delay, confiscation or detention by customs or other authority.
Loss or damage caused by wear and tear, depreciation, deterioration, atmospheric or climatic conditions, moth, vermin, any process of cleaning repairing or restoring, mechanical or electrical breakdown.
Anything mentioned in the general exclusions on page 20.

Section M - Hire of Ski Equipment
What is covered
1. We will pay You up to £20 per day, up to a maximum of £300 for the reasonable cost of hiring replacement Ski Equipment as a result of the accidental loss of, theft of, damage to or temporary loss in transit for more than 24 hours of Your own Ski Equipment.
What is not covered
Loss, theft of or damage to Ski Equipment contained in an Unattended vehicle unless:
a) the items are locked out of sight in a Secure Baggage Area;
b) forcible and violent means have been used by an unauthorised person to effect entry into the vehicle;
c) evidence of such entry is available.
Loss or damage due to delay, confiscation or detention by customs or other authority.
Loss or damage caused by wear and tear, depreciation, deterioration, atmospheric or climatic conditions, moth, vermin, any process of cleaning repairing or restoring, mechanical or electrical breakdown.
Anything mentioned in the general exclusions on page 20.

Section E - Baggage and baggage delay
What is covered
1. We will pay You up to the amounts shown below for the accidental loss of, theft of or damage to:
a) Baggage (excluding Golf Equipment) £1,500
b) Golf Equipment (if You have purchased the appropriate Upgrade) £1,500.
The amount payable will be the value at todays prices less a deduction for wear tear and depreciation, (or We may at Our option replace, reinstate or repair the lost or damaged Baggage/Golf Equipment). The maximum We will pay for the following items is:
a) for any one article, Pair or Set of articles £300 (also applicable to Golf Equipment if the appropriate Upgrade has been purchased)
b) the total for all Valuables £300.
2. We will also pay You up to the amounts shown below:
a) If Your Baggage is certified by the carrier to have been lost or misplaced on the outward journey of a Trip for a period in excess of 12 hours, then You can claim an amount of £50 for the purchase of essential items. If You are deprived of Your Baggage for a period in excess of 24 hours this amount is increased to £100. You must provide receipts. If the loss is permanent the amount paid will be deducted from the final amount to be paid under this section.
b) If You have purchased the appropriate Upgrade, You will be covered for £35 per day, up to a maximum of £175 for the reasonable cost of hiring replacement Golf Equipment as a result of the accidental loss of, theft of or damage to or temporary loss in transit for more than 24 hours of Your own Golf Equipment.
What is not covered
The first £40 of each and every claim per incident for each Insured Person (except claims under subsections 2.a) and 2.b)).
Loss, theft of or damage to Valuables or Your passport left Unattended at any time (including in a vehicle or in the custody of carriers) unless deposited in a hotel safe, safety deposit box or left in Your locked accommodation.
Loss, theft of or damage to Baggage contained in an Unattended vehicle unless:
a) the items are locked out of sight in a Secure Baggage Area;
b) forcible and violent means have been used by an unauthorised person to effect entry into the vehicle;
c) evidence of such entry is available.
Loss or damage due to delay, confiscation or detention by customs or other authority.
Loss, theft of or damage to unset precious stones, contact or corneal lenses, hearing aids, dental or medical fittings, antiques, musical instruments, documents of any kind, bonds, securities, perishable goods, bicycles, Ski Equipment and damage to suitcases (unless the suitcases are entirely unusable as a result of one single incidence of damage).
Loss or damage due to cracking, scratching, breakage of or damage to china, glass (other than glass in watch faces, cameras, binoculars or telescopes), porcelain or other brittle or fragile articles unless caused by fire, theft, or accident to the aircraft, sea vessel, train or vehicle in which they are being carried.
Loss or damage due to breakage of sports equipment or damage to sports clothing whilst in use (other than Golf Equipment if cover is included).
Loss, theft of or damage to business goods, samples, tools of trade, motor accessories and other items used in connection with Your business, trade, profession or
occupation.
Loss or damage caused by wear and tear, depreciation, deterioration, atmospheric or climatic conditions, moth, vermin, any process of cleaning repairing or restoring, mechanical or electrical breakdown.
Anything mentioned in the general exclusions on page 20.
Special conditions relating to claims
1. You must report to the local Police within 24 hours of discovery and obtain a written report of the loss, theft or attempted theft of all Baggage.
2. If Baggage is lost, stolen or damaged while in the care of a carrier, transport company, authority or hotel You must report to them, in writing, details of the loss, theft or damage and obtain written confirmation. If Baggage is lost, stolen or damaged whilst in the care of an airline You must:
a) obtain a Property Irregularity Report from the airline
b) give formal written notice of the claim to the airline within the time limit contained in their conditions of carriage (please retain a copy)
c) retain all travel tickets and tags for submission if a claim is to be made under this policy.
3. Receipts for items lost, stolen or damaged must be retained as these will help You to substantiate Your claim.
4. You must take suitable precautions to secure the safety of Your Baggage, and must not leave it unsecured or Unattended or beyond Your reach at any time in a place to which the public have access.
Enhancing Your Baggage cover limits
You may upgrade Your Baggage cover to higher limits
Option 1
1. The Baggage limit under Section E Baggage and baggage delay paragraph 1. is increased to £2,000.
2. The maximum We will pay for any article, Pair or Set of articles is increased to £500.
3. The maximum We will pay for Valuables is increased to £500.
4. The benefit payable for delayed Baggage is increased to £100 in excess of 12 hours and £200 in excess of 24 hours.
Option 2
1. The Baggage limit under section E Baggage and baggage delay paragraph 1. is increased to £2,500.
2. The maximum We will pay for any article, Pair or Set of articles is increased to £750.
3. The maximum We will pay for Valuables is increased to £750.
4. The benefit payable for delayed Baggage is increased to £125 in excess of 12 hours and £250 in excess of 24 hours.
Your policy schedule will show if You have purchased this option.
Please refer to page 14 for our important telephone numbers.

Section E - Baggage and baggage delay
What is covered
1. We will pay You up to the amounts shown below for the accidental loss of, theft of or damage to:
a) Baggage (excluding Golf Equipment) £1,500
b) Golf Equipment (if You have purchased the appropriate Upgrade) £1,500.
The amount payable will be the value at todays prices less a deduction for wear tear and depreciation, (or We may at Our option replace, reinstate or repair the lost or damaged Baggage/Golf Equipment). The maximum We will pay for the following items is:
a) for any one article, Pair or Set of articles £300 (also applicable to Golf Equipment if the appropriate Upgrade has been purchased)
b) the total for all Valuables £300.
2. We will also pay You up to the amounts shown below:
a) If Your Baggage is certified by the carrier to have been lost or misplaced on the outward journey of a Trip for a period in excess of 12 hours, then You can claim an amount of £50 for the purchase of essential items. If You are deprived of Your Baggage for a period in excess of 24 hours this amount is increased to £100. You must provide receipts. If the loss is permanent the amount paid will be deducted from the final amount to be paid under this section.
b) If You have purchased the appropriate Upgrade, You will be covered for £35 per day, up to a maximum of £175 for the reasonable cost of hiring replacement Golf Equipment as a result of the accidental loss of, theft of or damage to or temporary loss in transit for more than 24 hours of Your own Golf Equipment.
What is not covered
The first £40 of each and every claim per incident for each Insured Person (except claims under subsections 2.a) and 2.b)).
Loss, theft of or damage to Valuables or Your passport left Unattended at any time (including in a vehicle or in the custody of carriers) unless deposited in a hotel safe, safety deposit box or left in Your locked accommodation.
Loss, theft of or damage to Baggage contained in an Unattended vehicle unless:
a) the items are locked out of sight in a Secure Baggage Area;
b) forcible and violent means have been used by an unauthorised person to effect entry into the vehicle;
c) evidence of such entry is available.
Loss or damage due to delay, confiscation or detention by customs or other authority.
Loss, theft of or damage to unset precious stones, contact or corneal lenses, hearing aids, dental or medical fittings, antiques, musical instruments, documents of any kind, bonds, securities, perishable goods, bicycles, Ski Equipment and damage to suitcases (unless the suitcases are entirely unusable as a result of one single incidence of damage).
Loss or damage due to cracking, scratching, breakage of or damage to china, glass (other than glass in watch faces, cameras, binoculars or telescopes), porcelain or other brittle or fragile articles unless caused by fire, theft, or accident to the aircraft, sea vessel, train or vehicle in which they are being carried.
Loss or damage due to breakage of sports equipment or damage to sports clothing whilst in use (other than Golf Equipment if cover is included).
Loss, theft of or damage to business goods, samples, tools of trade, motor accessories and other items used in connection with Your business, trade, profession or
occupation.
Loss or damage caused by wear and tear, depreciation, deterioration, atmospheric or climatic conditions, moth, vermin, any process of cleaning repairing or restoring, mechanical or electrical breakdown.
Anything mentioned in the general exclusions on page 20.
Special conditions relating to claims
1. You must report to the local Police within 24 hours of discovery and obtain a written report of the loss, theft or attempted theft of all Baggage.
2. If Baggage is lost, stolen or damaged while in the care of a carrier, transport company, authority or hotel You must report to them, in writing, details of the loss, theft or damage and obtain written confirmation. If Baggage is lost, stolen or damaged whilst in the care of an airline You must:
a) obtain a Property Irregularity Report from the airline
b) give formal written notice of the claim to the airline within the time limit contained in their conditions of carriage (please retain a copy)
c) retain all travel tickets and tags for submission if a claim is to be made under this policy.
3. Receipts for items lost, stolen or damaged must be retained as these will help You to substantiate Your claim.
4. You must take suitable precautions to secure the safety of Your Baggage, and must not leave it unsecured or Unattended or beyond Your reach at any time in a place to which the public have access.
Enhancing Your Baggage cover limits
You may upgrade Your Baggage cover to higher limits
Option 1
1. The Baggage limit under Section E Baggage and baggage delay paragraph 1. is increased to £2,000.
2. The maximum We will pay for any article, Pair or Set of articles is increased to £500.
3. The maximum We will pay for Valuables is increased to £500.
4. The benefit payable for delayed Baggage is increased to £100 in excess of 12 hours and £200 in excess of 24 hours.
Option 2
1. The Baggage limit under section E Baggage and baggage delay paragraph 1. is increased to £2,500.
2. The maximum We will pay for any article, Pair or Set of articles is increased to £750.
3. The maximum We will pay for Valuables is increased to £750.
4. The benefit payable for delayed Baggage is increased to £125 in excess of 12 hours and £250 in excess of 24 hours.
Your policy schedule will show if You have purchased this option.
Please refer to page 14 for our important telephone numbers.

Section A - Cancellation or curtailment charges and early return
What is covered
We will pay You up to £5,000 (inclusive of any valid claim payable under Section L Winter sports) for any irrecoverable unused travel and accommodation costs
(including excursions up to £250) and other pre-paid charges (including green fees of up to £75 per day, up to a maximum of £300 if You have purchased the appropriate Upgrade) which You have paid or are contracted to pay together with any reasonable additional travel expenses incurred if
a) cancellation of the Trip is necessary and unavoidable or
b) the Trip is Curtailed before completion
c) You have to make an Early Return as a result of any of the following events occurring:
1. The death, Bodily Injury or illness of:
a) You
b) any person with whom You are travelling or have arranged to travel with
c) any person with whom You have arranged to reside temporarily
d) Your Close Relative
e) a Close Business Associate
2. Compulsory quarantine, jury service attendance or being called as a witness at a Court of Law of You or any person with whom You are travelling or have arranged to travel with.
3. Redundancy (which qualifies for payment under current United Kingdom redundancy payment legislation and at the time of booking the Trip there was no reason to believe anyone would be made redundant) of You or any person with whom You are travelling or have arranged to travel with.
4. You or any person with whom You are travelling or have arranged to travel with are a member of the Armed Forces, Police, Fire, Nursing or Ambulance Services or employees of a Government Department and have Your/their authorised leave cancelled for operational reasons, provided that such cancellation or Curtailment could not reasonably have been expected at the time this insurance is purchased by You.
5. The Police requesting You to remain at or return to Your Home when a loss in excess of £1,500 is involved due to serious damage to Your Home caused by fire, aircraft, explosion, storm, flood, subsidence, malicious persons or theft. Medical complications as a result of Your pregnancy or the pregnancy of anyone who You have arranged to travel or stay with during the Trip, provided that the expected delivery date falls more than eight weeks prior to the scheduled date of travel.
A government directive prohibiting all travel to, or recommending evacuation from, the country or area You were planning to visit or were staying in provided such a
directive came into force after You have left the United Kingdom.
What is not covered
The first £40 of each and every claim per incident for each Insured Person.
The cost of Airport Departure Duty.
Any claims arising directly or indirectly from:
a) Redundancy caused by or resulting from misconduct leading to dismissal or from resignation or voluntary redundancy or where a warning or notification of redundancy was given prior to the date this insurance is purchased by You or the time of booking any Trip.
b) Circumstances known to You prior to the date this insurance is purchased by You or the time of booking any Trip (whichever is the earlier) which could reasonably have been expected to give rise to cancellation or Curtailment of the Trip.
Travel tickets paid for using any airline mileage reward scheme, for example Air Miles.
Stress, anxiety, depression or any other mental or nervous disorder that You are suffering from unless it has been investigated and diagnosed as such by a consultant specialising in the relevant field.
Any disinclination to continue travelling unless the Foreign and Commonwealth Office (FCO) announces that travellers should avoid the country or area that You are in. No cover will be available when travelling against FCO advice.
Anything mentioned in the exclusions on pages 18-20.
Special conditions relating to claims
1. You must obtain prior approval of AXA Assistance to confirm the necessity to return Home prior to Curtailment of the Trip due to death, Bodily Injury or illness. We will ask you to supply a medical certificate from a Medical Practitioner to support Your claim.
2. If You fail to notify the travel agent, tour operator or provider of transport/accommodation immediately it is found necessary to cancel the Trip Our liability shall be restricted to the cancellation charges that would have applied had failure not occurred.
3. If You cancel the Trip due to Bodily Injury or illness You must provide a medical certificate from a Medical Practitioner stating that this necessarily and reasonably prevented You from travelling.
4. On condition that You contact Us first, and that We make all the travel arrangements, We will pay all the necessary travel costs incurred in returning You Home in the event that You have a valid Curtailment claim. If the situation permits, and the period of Your original booked Trip has not expired, We will also pay necessary additional travel costs in transporting You back to the location abroad.
5. Travel by air will be limited to one ticket, of the same class of travel as that paid by You on Your outward Trip, for each Insured Person.
Please refer to page 14 for our important telephone numbers.

Section I - Missed Departure
What is covered
We will pay You up to £500 (if European destination) or £1,000 (if destination outside Europe) for reasonable additional accommodation (room only) and travel expenses necessarily incurred in reaching Your overseas destination or returning to the United Kingdom or Your Home Area if You fail to arrive at the international departure point in time to board the Public Transport on which You are booked to travel on the initial international journey of the Trip as a result of:
the failure of other Public Transport or an accident to or breakdown of the vehicle in which You are travelling or strike, industrial action or adverse weather conditions. We will provide assistance by liaising with the Carrier and/or Tour Operator to advise of Your late arrival You may claim only under Section I Missed departure or Section H Delayed departure for the same event, not both.
What is not covered
The first £40 of each and every claim per incident for each Insured Person
Claims arising directly or indirectly from:
a) strike or industrial action existing or declared publicly by the date this insurance is purchased by You
b) breakdown of any vehicle in which You are travelling if the vehicle is owned by You and has not been serviced properly and maintained in accordance with manufacturers instructions
c) 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.
Additional expenses where the scheduled Public Transport operator has offered reasonable alternative travel arrangements.
Anything mentioned in the general exclusions on page 20.
Special conditions relating to claims
You must allow sufficient time for the Public Transport or other transport to arrive on schedule and to deliver You to the departure point.
Please refer to page 14 for our important telephone numbers.

Section H - Delayed Departure
What is covered
If departure of the Public Transport on which You are booked to travel is delayed to or from Your Home Area or at the final departure point from or to the United Kingdom or Your Home Area for at least 12 hours from the scheduled time of departure due to:
a) strike or
b) industrial action or
c) adverse weather conditions or
d) mechanical breakdown of or a technical fault occurring in the Public Transport on which You are booked to travel
We will pay You:
£20 for the first completed 12 hours delay and £20 for each full 12 hours delay thereafter up to a maximum of £100 or up to £5,000 for any irrecoverable unused travel and accommodation costs and other pre-paid charges which You have paid or are contracted to pay if after a minimum 12 hours has elapsed, You choose to cancel Your Trip. You may claim only under sub
What is not covered
The first £40 of each and every claim per incident for each Insured Person under Subsection 2.
Claims arising directly or indirectly from:
a) strike or industrial action or air traffic control delay existing or publicly declared at the time You made Your travel arrangements for this Trip
b) withdrawal from service (temporary or otherwise) of an aircraft or sea vessel on the recommendation of the Civil Aviation Authority or a Port Authority or any similar body in any country.
Any claims arising in connection with a Trip solely within Your Home Area.
Anything mentioned in the general exclusions on page 20.
Special conditions relating to claims
1. You must check in according to the itinerary supplied to You.
2. You must obtain confirmation from the carriers (or their handling agents) in writing of the number of hours of delay and the reason for the delay.
3. You must comply with the terms of contract of the travel agent, tour operator or provider of transport.
Please refer to page 14 for our important telephone numbers.section 1. or 2. above for the same event, not both. You may claim only under Section H Delayed departure or Section I Missed departure for the same event, not both.

Section H - Delayed Departure
What is covered
If departure of the Public Transport on which You are booked to travel is delayed to or from Your Home Area or at the final departure point from or to the United Kingdom or Your Home Area for at least 12 hours from the scheduled time of departure due to:
a) strike or
b) industrial action or
c) adverse weather conditions or
d) mechanical breakdown of or a technical fault occurring in the Public Transport on which You are booked to travel
We will pay You:
£20 for the first completed 12 hours delay and £20 for each full 12 hours delay thereafter up to a maximum of £100 or up to £5,000 for any irrecoverable unused travel and accommodation costs and other pre-paid charges which You have paid or are contracted to pay if after a minimum 12 hours has elapsed, You choose to cancel Your Trip. You may claim only under sub
What is not covered
The first £40 of each and every claim per incident for each Insured Person under Subsection 2.
Claims arising directly or indirectly from:
a) strike or industrial action or air traffic control delay existing or publicly declared at the time You made Your travel arrangements for this Trip
b) withdrawal from service (temporary or otherwise) of an aircraft or sea vessel on the recommendation of the Civil Aviation Authority or a Port Authority or any similar body in any country.
Any claims arising in connection with a Trip solely within Your Home Area.
Anything mentioned in the general exclusions on page 20.
Special conditions relating to claims
1. You must check in according to the itinerary supplied to You.
2. You must obtain confirmation from the carriers (or their handling agents) in writing of the number of hours of delay and the reason for the delay.
3. You must comply with the terms of contract of the travel agent, tour operator or provider of transport.
Please refer to page 14 for our important telephone numbers.section 1. or 2. above for the same event, not both. You may claim only under Section H Delayed departure or Section I Missed departure for the same event, not both.

Section G Personal liability
What is covered
We will pay up to £2,000,000 (inclusive of legal costs and expenses) against any amount You become legally liable to pay as compensation for any claim or series of claims arising from any one event or source of original cause in respect of accidental:
1. Bodily Injury, death, illness or disease to any person who is not in Your employment or who is not a Close Relative or member of Your household.
2. Loss of or damage to property that does not belong to and is neither in the charge of or under the control of You, a Close Relative, anyone in Your employment or any member of Your household other than any temporary holiday accommodation occupied (but not owned) by You.
What is not covered
Compensation or legal costs arising directly or indirectly from:
a) Liability which has been assumed by You under agreement unless the liability would have attached in the absence of such agreement.
b) Pursuit of any business, trade, profession or occupation or the supply of goods or services.
c) Ownership, possession or use of vehicles, aircraft or watercraft (other than surfboards or manually propelled rowboats, punts, canoes and, where the appropriate Golf Equipment Upgrade has been purchased, golf buggies whilst in use on a golf course).
d) The transmission of any communicable disease or virus.
e) Ownership or occupation of land or buildings (other than occupation only of any temporary holiday accommodation where We will not pay for the first £40 of each and every claim arising from the same incident).
Any claim arising in connection with a Trip solely within Your Home Area Anything mentioned in the general exclusions on page 20.
Special conditions relating to claims
1. You must give Us written notice as soon as possible of any incident, which may give rise to a claim.
2. You must forward every letter, writ, summons and process to Us as soon as You receive it.
3. You must not admit any liability or pay, offer to pay, promise to pay or negotiate any claim without Our written consent.
4. We will be entitled if We so desire to take over and conduct in Your name the defence of any claims for indemnity or damages or otherwise against any third party. We shall have full discretion in the conduct of any negotiation or proceedings or in the settlement of any claim and You shall give Us all necessary information and assistance which We may require.
5. In the event of Your death, Your legal representative(s) will have the protection of this cover provided that such representative(s) comply(ies) with the terms and conditions outlined in this policy.
Please refer to page 14 for our important telephone numbers.

Important Telephone Numbers
For customer service and claims assistance within the UK, please call 0800 731 4011
Customer service lines are open 8am to 8pm, 7 days a week.
Claim lines are open 8am to 8pm Monday to Friday and 8am to 4pm Saturday.
UK fax numbers:
Customer Service: 0845 603 1659
Claims: 0845 603 1660
Pre-travel advice/Homewatch/Legal assistance: 0800 731 4011
For overseas assistance please call:
24 hour overseas assistance helpline: +44 1633 815 819
Fax: + 44 1633 815 866

Important Telephone Numbers
For customer service and claims assistance within the UK, please call 0800 731 4011
Customer service lines are open 8am to 8pm, 7 days a week.
Claim lines are open 8am to 8pm Monday to Friday and 8am to 4pm Saturday.
UK fax numbers:
Customer Service: 0845 603 1659
Claims: 0845 603 1660
Pre-travel advice/Homewatch/Legal assistance: 0800 731 4011
For overseas assistance please call:
24 hour overseas assistance helpline: +44 1633 815 819
Fax: + 44 1633 815 866

General conditions applicable to the whole policy
You must comply with the following conditions to have the full protection of Your policy.
If You do not comply We may at Our option cancel the policy or refuse to deal with Your claim or reduce the amount of any claim payment.
1. Dual insurance
If at the time of any incident which results in a claim under this policy, there is another insurance covering the same loss, damage, expense or liability We will not pay more than Our proportional share (not applicable to Section D Personal accident and travel accident cover).
2. Reasonable precautions
You must take and cause to be taken all reasonable precautions to avoid injury, illness, disease, loss, theft or damage and take and cause to be taken all practicable steps to safeguard Your property from loss or damage and to recover property lost or stolen.
3. Cancellation
You may cancel this policy at any time. You must tell Us by writing to:
AXA Insurance
PO Box 147
Ipswich
IP1 2AN
If within 14 days of the receipt of the policy documents, You find that it does not meet Your requirements You may cancel Your policy by returning the policy documents to the address above. We will refund the premium in full provided You have not travelled and no claim has been submitted and no incident likely to give rise to a claim has occurred.
If a claim has been submitted or there has been any incident likely to give rise to a claim during the current Period of Insurance no premium refund will be given.
For cancellations occurring after 14 days of issue of the policy no refund of premium will be made.
We reserve the right to cancel this policy immediately in the event of non-payment of the premium.
We may also cancel the policy by sending 14 days notice by recorded delivery to You at Your last known address without a refund of premium.

Policy Excess
Under most sections of the policy, claims will be subject to an excess. This means that You will be responsible for paying the first part of each claim, unless the additional premium has been paid to waive the excess as shown in Your policy schedule.
The excess waiver Upgrade option does not apply for any increased excesses You have agreed to pay in relation to claims arising from any medical conditions You have, which We have agreed to cover.