M&S Premier Annual Travel Insurance

Section B - Emergency medical and other expenses
What is covered
We will pay You up to £10,000,000 for the following expenses which are necessarily incurred as a result of Your suffering Bodily Injury or illness and/or compulsory quarantine:
1. Emergency medical, surgical, hospital, ambulance, nursing fees and charges incurred:
a) outside the United Kingdom or
b) within the Channel Islands.
2. Emergency dental treatment for the immediate relief of pain (to natural teeth only) up to a limit of £200 incurred:
a) outside the United Kingdom or
b) within the Channel Islands.
3. In the event of Your death outside the United Kingdom the reasonable additional cost of funeral expenses abroad up to a maximum of £1,500 plus the reasonable cost of conveying Your ashes to Your
Home, or the additional costs of returning Your body to Your Home.
4. Reasonable additional transport (economy class) or accommodation expenses incurred, up to the standard of Your original booking, if it is medically necessary for You to stay beyond Your scheduled return
date.
This includes, with the prior authorisation of the Emergency Assistance Service, reasonable additional transport or accommodation expenses for a friend or Close Relative to remain with You or travel to You from the United Kingdom or escort You and additional travel expenses to return You to Your Home if You are unable to use the return ticket.
5. With the prior authorisation of the Emergency Assistance Service, the additional costs incurred in the use of air transport or other suitable means, including qualified attendants, to repatriate You to Your Home if it is medically necessary. Repatriation expenses will be in respect only of the identical class of travel utilised on the outward journey unless the Emergency Assistance Service agree otherwise.
What is not covered
1. The first £50 of each and every claim per incident for each Insured Person unless
a) You have purchased the Excess waiver option and this is shown in Your Policy Schedule
b) You have taken the double Excess option and this is shown in Your Policy Schedule.
2. Any claims arising directly or indirectly as a result of:
a) Costs of telephone calls, other than calls to the Emergency Assistance Service notifying them of the problem for which You are able to provide a receipt or other evidence to show the cost of the call and the number telephoned.
b) The cost of treatment or surgery, including exploratory tests, which are not directly related to the Bodily Injury or illness which necessitated Your admittance into hospital.
c) Any form of treatment or surgery which in the opinion of the Medical Practitioner in attendance and the Emergency Assistance Service can be delayed reasonably until Your return to the United Kingdom.
d) Expenses incurred in obtaining or replacing medication, which at the time of departure is known to be required or to be continued outside the United Kingdom.
e) Additional costs arising from single or private room accommodation.
f) Treatment or services provided by a health spa, convalescent or nursing home or any rehabilitation centre unless agreed by the Emergency Assistance Service.
g) Any expenses incurred after You have returned to the United Kingdom.
h) Expenses incurred as a result of a tropical disease where You have not had the recommended inoculations and/or taken the recommended medication.
i) Your decision not to be repatriated after the date when in the opinion of the Emergency Assistance Service it is safe to do so.
3. Anything mentioned in the general exclusions on page 14.
You should also refer to the Important - conditions relating to health on page 12.
Special conditions relating to claims
1. You must give notice as soon as possible to the Emergency Assistance Service or Us of any Bodily Injury or illness which necessitates Your admittance to hospital as an inpatient or before any arrangements are made for Your repatriation.
2. In the event of Your Bodily Injury or illness We reserve the right to relocate You from one hospital to another and arrange for Your repatriation to the United Kingdom at any time during the Trip. We will do this if in the opinion of the Medical Practitioner in attendance or the Emergency Assistance Service You can be moved safely and/or travel safely to the United Kingdom to continue treatment.

Section D - Personal accident
Special Definitions (which are shown in italics)
Loss of limb
means loss by permanent severance of an entire hand or foot or the total and permanent loss of use of an entire hand or foot.
Loss of sight
means total and irrecoverable loss of sight.
What is covered
We will pay one of the benefits shown below if You sustain Bodily Injury which shall solely and independently of any other cause, result within two years in Your death, loss of limb, loss of sight or permanent total disablement.
What is not covered
1. Anything mentioned in the general exclusions on page 14.
BENEFIT  Up to age  Age 16 years to  Age 65 years
   15 years inclusive 64 years inclusive  and over
1. Death  £2,500   £50,000    £2,500
2. Loss of one or more £50,000   £50,000    Not covered
limbs and/or loss of sight in one or both eyes
3. Permanent total £50,000   £50,000    Not covered
disablement
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 up to £30 for every complete 24 hours You have to stay in hospital as an in-patient:
a) outside the United Kingdom or
b) within the Channel Islands up to a maximum of £1,000 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 and other expenses.
What is not covered
1. 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 the Emergency Assistance Service can be delayed reasonably until Your return to the United Kingdom.
c) Treatment or services provided by a convalescent or nursing home or any rehabilitation centre.
d) Hospitalisation as a result of a tropical disease where You have not had the recommended inoculations and/or taken the recommended medication.
e) Any additional period of hospitalisation following Your decision not to be repatriated after the date when in the opinion of the Emergency Assistance Service it is safe to do so.
2. Anything mentioned in the general exclusions on page 14.
Special conditions relating to claims
1. You must give notice as soon as possible to the Emergency Assistance Service or Us of any Bodily Injury or illness which necessitates Your admittance to hospital as an in-patient.
2. In the event of Your Bodily Injury or illness We reserve the right to relocate You from one hospital to another and arrange for Your repatriation to the United Kingdom at any time during the Trip. We will do this if in the opinion of the Medical Practitioner in attendance or the Emergency Assistance Service You can be moved safely and/or travel safely to the United Kingdom to continue treatment.

Section B - Emergency medical and other expenses
What is covered
We will pay You up to £10,000,000 for the following expenses which are necessarily incurred as a result of Your suffering Bodily Injury or illness and/or compulsory quarantine:
1. Emergency medical, surgical, hospital, ambulance, nursing fees and charges incurred:
a) outside the United Kingdom or
b) within the Channel Islands.
2. Emergency dental treatment for the immediate relief of pain (to natural teeth only) up to a limit of £200 incurred:
a) outside the United Kingdom or
b) within the Channel Islands.

Section B - Emergency medical and other expenses
What is covered
We will pay You up to £10,000,000 for the following expenses which are necessarily incurred as a result of Your suffering Bodily Injury or illness and/or compulsory quarantine:
1. Emergency medical, surgical, hospital, ambulance, nursing fees and charges incurred:
a) outside the United Kingdom or
b) within the Channel Islands.
2. Emergency dental treatment for the immediate relief of pain (to natural teeth only) up to a limit of £200 incurred:
a) outside the United Kingdom or
b) within the Channel Islands.
3. In the event of Your death outside the United Kingdom the reasonable additional cost of funeral expenses abroad up to a maximum of £1,500 plus the reasonable cost of conveying Your ashes to Your
Home, or the additional costs of returning Your body to Your Home.

Section B - Emergency medical and other expenses
What is covered
We will pay You up to £10,000,000 for the following expenses which are necessarily incurred as a result of Your suffering Bodily Injury or illness and/or compulsory quarantine:
1. Emergency medical, surgical, hospital, ambulance, nursing fees and charges incurred:
a) outside the United Kingdom or
b) within the Channel Islands.
2. Emergency dental treatment for the immediate relief of pain (to natural teeth only) up to a limit of £200 incurred:
a) outside the United Kingdom or
b) within the Channel Islands.
3. In the event of Your death outside the United Kingdom the reasonable additional cost of funeral expenses abroad up to a maximum of £1,500 plus the reasonable cost of conveying Your ashes to Your
Home, or the additional costs of returning Your body to Your Home.

Section F - Personal Money, passports and documents
What is covered
We will pay up to the amounts shown below for the accidental loss of, theft of or damage to Personal Money and documents (including driving licence). In respect of foreign currency cover is also operative during the 72 hours immediately preceding Your departure on the outward journey.
The maximum We will pay for the following items is:
a) For bank notes currency notes and coins £300.
b) If You are under the age of 16, for bank notes currency notes and coins £50.
c) For all other Personal Money and documents £200.
We will also pay up to the amounts shown below:
a) £500 for reasonable additional travel and accommodation expenses incurred necessarily abroad to obtain a replacement of Your lost or stolen passport.
What is not covered
1. The first £50 of each and every claim per incident for each Insured Person unless
a) You have purchased the Excess waiver option and this is shown in Your Policy Schedule
b) You have taken the double Excess option and this is shown in Your Policy Schedule.
2. Loss, theft of or damage to Personal Money left Unattended at any time (including in a vehicle or in the custody of carriers) unless deposited in a hotel safe, safety deposit box or left in Your locked accommodation.
3. Loss, theft of or damage to travellers cheques if You have not complied with the issuers conditions or where the issuer provides a replacement service.
4. Loss or damage due to delay, confiscation or detention by customs or other authority.
5. Loss or damage due to depreciation in value, variations in exchange rates or shortages due to error or omission.
6. Loss, theft of or damage to 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.
7. Anything mentioned in the general exclusions on page 14.
Special conditions relating to claims
1. You must report to the local Police within 24 hours of discovery and obtain a written report of the loss, theft or attempted theft of all Personal Money and documents.
2. If Personal Money and documents are lost, stolen or damaged while in the care of a carrier, transport company, authority or hotel You must report to them, in writing, details of the loss, theft or damage and obtain written confirmation. If Personal Money and documents are lost, stolen or damaged whilst in the care of an airline You must:
a) obtain a Property Irregularity Report from the airline.
b) give formal written notice of the claim to the airline within the time limit contained in their conditions of carriage (please retain a copy).
c) retain all travel tickets and tags for submission if a claim is to be made under this policy.
3. Receipts for items lost, stolen or damaged must be retained as these will help You to substantiate Your claim.

Section Q - Overseas legal expenses and assistance
Administered by AXA Assistance
What is covered
We will pay up to £50,000 for legal costs to pursue a civil action for compensation if someone else causes You Bodily Injury, illness, or death.
Where there are two or more Insured Persons insured by this policy, then the maximum amount payable by Us for all such claims shall not exceed £100,000.
What is not covered
1. Legal costs in respect of:
a) Claims when in Our opinion there are no reasonable prospects for success.
b) Claims against a carrier, the travel or holiday agent or tour operator arranging any Trip, Us, the Emergency Assistance Service, AXA Assistance or their agents.
c) Claims against someone You were travelling with or another Insured Person.
d) Legal action where in Our opinion the cost of the action could be more than the settlement, or where there is no prospect of any compensation being paid.
e) Actions undertaken in more than one country.
f) Lawyers fees incurred on the condition that Your action is successful.
g) Legal costs or expenses before We accept Your claim in writing.
h) Claims by You other than in Your private capacity.
i) Claims occurring within the United Kingdom.
2. Legal costs incurred before We accept Your claim in writing.
3. Anything mentioned in the general exclusions on page 14.
Special conditions relating to claims
1. We shall supervise any legal action through agents We nominate and will decide the point at which negotiations cannot usefully be pursued further.
After that, no further claims can be made against Us.
2. Claims must be notified to Us within 90 days of the event that gave rise to Your claim.

Section F - Personal Money, passports and documents
What is covered
We will pay up to the amounts shown below for the accidental loss of, theft of or damage to Personal Money and documents (including driving licence). In respect of foreign currency cover is also operative during the 72 hours immediately preceding Your departure on the outward journey.
The maximum We will pay for the following items is:
a) For bank notes currency notes and coins £300.
b) If You are under the age of 16, for bank notes currency notes and coins £50.
c) For all other Personal Money and documents £200.
We will also pay up to the amounts shown below:
a) £500 for reasonable additional travel and accommodation expenses incurred necessarily abroad to obtain a replacement of Your lost or stolen passport.
What is not covered
1. The first £50 of each and every claim per incident for each Insured Person unless
a) You have purchased the Excess waiver option and this is shown in Your Policy Schedule
b) You have taken the double Excess option and this is shown in Your Policy Schedule.
2. Loss, theft of or damage to Personal Money left Unattended at any time (including in a vehicle or in the custody of carriers) unless deposited in a hotel safe, safety deposit box or left in Your locked accommodation.
3. Loss, theft of or damage to travellers cheques if You have not complied with the issuers conditions or where the issuer provides a replacement service.
4. Loss or damage due to delay, confiscation or detention by customs or other authority.
5. Loss or damage due to depreciation in value, variations in exchange rates or shortages due to error or omission.
6. Loss, theft of or damage to 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.
7. Anything mentioned in the general exclusions on page 14.
Special conditions relating to claims
1. You must report to the local Police within 24 hours of discovery and obtain a written report of the loss, theft or attempted theft of all Personal Money and documents.
2. If Personal Money and documents are lost, stolen or damaged while in the care of a carrier, transport company, authority or hotel You must report to them, in writing, details of the loss, theft or damage and obtain written confirmation. If Personal Money and documents are lost, stolen or damaged whilst in the care of an airline You must:
a) obtain a Property Irregularity Report from the airline.
b) give formal written notice of the claim to the airline within the time limit contained in their conditions of carriage (please retain a copy).
c) retain all travel tickets and tags for submission if a claim is to be made under this policy.
3. Receipts for items lost, stolen or damaged must be retained as these will help You to substantiate Your claim.

Section F - Personal Money, passports and documents
What is covered
We will pay up to the amounts shown below for the accidental loss of, theft of or damage to Personal Money and documents (including driving licence). In respect of foreign currency cover is also operative during the 72 hours immediately preceding Your departure on the outward journey.
The maximum We will pay for the following items is:
a) For bank notes currency notes and coins £300.
b) If You are under the age of 16, for bank notes currency notes and coins £50.
c) For all other Personal Money and documents £200.
We will also pay up to the amounts shown below:
a) £500 for reasonable additional travel and accommodation expenses incurred necessarily abroad to obtain a replacement of Your lost or stolen passport.
What is not covered
1. The first £50 of each and every claim per incident for each Insured Person unless
a) You have purchased the Excess waiver option and this is shown in Your Policy Schedule
b) You have taken the double Excess option and this is shown in Your Policy Schedule.
2. Loss, theft of or damage to Personal Money left Unattended at any time (including in a vehicle or in the custody of carriers) unless deposited in a hotel safe, safety deposit box or left in Your locked accommodation.
3. Loss, theft of or damage to travellers cheques if You have not complied with the issuers conditions or where the issuer provides a replacement service.
4. Loss or damage due to delay, confiscation or detention by customs or other authority.
5. Loss or damage due to depreciation in value, variations in exchange rates or shortages due to error or omission.
6. Loss, theft of or damage to 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.
7. Anything mentioned in the general exclusions on page 14.
Special conditions relating to claims
1. You must report to the local Police within 24 hours of discovery and obtain a written report of the loss, theft or attempted theft of all Personal Money and documents.
2. If Personal Money and documents are lost, stolen or damaged while in the care of a carrier, transport company, authority or hotel You must report to them, in writing, details of the loss, theft or damage and obtain written confirmation. If Personal Money and documents are lost, stolen or damaged whilst in the care of an airline You must:
a) obtain a Property Irregularity Report from the airline.
b) give formal written notice of the claim to the airline within the time limit contained in their conditions of carriage (please retain a copy).
c) retain all travel tickets and tags for submission if a claim is to be made under this policy.
3. Receipts for items lost, stolen or damaged must be retained as these will help You to substantiate Your claim.

Section J - Mugging benefit
Special Definitions (which are shown in italics)
Mugged/mugging
Means a violent attack on You with a view to theft by the person(s) not previously known to You.
What is covered
We will pay You a benefit of £100 for each full 12 hours, up to a maximum of £1,000 in addition to any amounts payable under section B - Emergency medical and other expenses and section C - Hospital benefit if You are mugged and, as a result of the injuries received from the mugging, are admitted to hospital as an in-patient:
a) outside the United Kingdom or
b) within the Channel Islands.
What is not covered
1. Anything mentioned in the general exclusions on page 14.
Special conditions relating to claims
1) You must obtain:
a) a Police report of the mugging and
b) confirmation of Your injuries and the period of in-patient treatment from the hospital.

Section M - Ski Equipment
What is covered
We will pay up to £750 for the accidental loss of, theft of or damage to Your own Ski Equipment, or up to £500 for hired Ski Equipment. The amount payable will be:
a) for articles less than 2 years old at the time of loss or theft, We will pay the replacement cost when evidence of the original purchase is provided, (evidence of original purchase is not required for items of clothing).
b) For articles 2 years old or more, or if evidence cannot be produced as to its age, We will pay 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.
What is not covered
1. The first £50 of each and every claim per incident for each Insured Person unless
a) You have purchased the Excess waiver option and this is shown in Your Policy Schedule
b) You have taken the double Excess option and this is shown in Your Policy Schedule.
2. Loss, theft of or damage to Ski Equipment contained in or stolen from an Unattended vehicle at any time unless it is in the locked boot, in a locked top box, or (for skis) fixed in secure, lockable clamps on the vehicle and evidence of force and violence having been used is available.
3. Loss or damage due to delay, confiscation or detention by customs or other authority.
4. 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.
5. Anything mentioned in the general exclusions on page 14.
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 Ski Equipment.
2. If Ski Equipment 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 Ski Equipment 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.

Section M - Ski Equipment
What is covered
We will pay up to £750 for the accidental loss of, theft of or damage to Your own Ski Equipment, or up to £500 for hired Ski Equipment. The amount payable will be:
a) for articles less than 2 years old at the time of loss or theft, We will pay the replacement cost when evidence of the original purchase is provided, (evidence of original purchase is not required for items of clothing).
b) For articles 2 years old or more, or if evidence cannot be produced as to its age, We will pay 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.
What is not covered
1. The first £50 of each and every claim per incident for each Insured Person unless
a) You have purchased the Excess waiver option and this is shown in Your Policy Schedule
b) You have taken the double Excess option and this is shown in Your Policy Schedule.
2. Loss, theft of or damage to Ski Equipment contained in or stolen from an Unattended vehicle at any time unless it is in the locked boot, in a locked top box, or (for skis) fixed in secure, lockable clamps on the vehicle and evidence of force and violence having been used is available.
3. Loss or damage due to delay, confiscation or detention by customs or other authority.
4. 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.
5. Anything mentioned in the general exclusions on page 14.
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 Ski Equipment.
2. If Ski Equipment 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 Ski Equipment 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.

Section M - Ski Equipment
What is covered
We will pay up to £750 for the accidental loss of, theft of or damage to Your own Ski Equipment, or up to £500 for hired Ski Equipment. The amount payable will be:
a) for articles less than 2 years old at the time of loss or theft, We will pay the replacement cost when evidence of the original purchase is provided, (evidence of original purchase is not required for items of clothing).
b) For articles 2 years old or more, or if evidence cannot be produced as to its age, We will pay 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.
What is not covered
1. The first £50 of each and every claim per incident for each Insured Person unless
a) You have purchased the Excess waiver option and this is shown in Your Policy Schedule
b) You have taken the double Excess option and this is shown in Your Policy Schedule.
2. Loss, theft of or damage to Ski Equipment contained in or stolen from an Unattended vehicle at any time unless it is in the locked boot, in a locked top box, or (for skis) fixed in secure, lockable clamps on the vehicle and evidence of force and violence having been used is available.
3. Loss or damage due to delay, confiscation or detention by customs or other authority.
4. 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.
5. Anything mentioned in the general exclusions on page 14.
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 Ski Equipment.
2. If Ski Equipment 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 Ski Equipment 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.

Section O - Ski pack
What is covered
We will pay:
a) Up to £300 per week, up to a maximum of £600 for the unused portion of Your ski pack (ski school fees, lift passes and hired Ski Equipment) following Your Bodily Injury or illness.
b) Up to £300 for the unused portion of Your lift pass if lost.
What is not covered
1. Any claim arising directly or indirectly from Bodily Injury or illness due to a tropical disease where You have not had the recommended inoculations and/or taken the recommended medication.
2. Anything mentioned in the general exclusions on page 14.
Special conditions relating to claims
1. You must provide written confirmation from a Medical Practitioner that such Bodily Injury or illness prevented You from using Your ski pack.

Section O - Ski pack
What is covered
We will pay:
a) Up to £300 per week, up to a maximum of £600 for the unused portion of Your ski pack (ski school fees, lift passes and hired Ski Equipment) following Your Bodily Injury or illness.
b) Up to £300 for the unused portion of Your lift pass if lost.
What is not covered
1. Any claim arising directly or indirectly from Bodily Injury or illness due to a tropical disease where You have not had the recommended inoculations and/or taken the recommended medication.
2. Anything mentioned in the general exclusions on page 14.
Special conditions relating to claims
1. You must provide written confirmation from a Medical Practitioner that such Bodily Injury or illness prevented You from using Your ski pack.

Section P - Piste closure
What is covered
We will pay up to £50 per day, up to a maximum of £500 for the reasonable additional travel expenses incurred to travel 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 12 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 during the published ski season for Your resort.
If no alternative sites are available We will pay You compensation of £50 per day up to a maximum of £500.
What is not covered
1. Anything mentioned in the general exclusions on page 14.

Section P - Piste closure
What is covered
We will pay up to £50 per day, up to a maximum of £500 for the reasonable additional travel expenses incurred to travel 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 12 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 during the published ski season for Your resort.
If no alternative sites are available We will pay You compensation of £50 per day up to a maximum of £500.
What is not covered
1. Anything mentioned in the general exclusions on page 14.

Section P - Piste closure
What is covered
We will pay up to £50 per day, up to a maximum of £500 for the reasonable additional travel expenses incurred to travel 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 12 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 during the published ski season for Your resort.
If no alternative sites are available We will pay You compensation of £50 per day up to a maximum of £500.
What is not covered
1. Anything mentioned in the general exclusions on page 14.

Section P - Piste closure
What is covered
We will pay up to £50 per day, up to a maximum of £500 for the reasonable additional travel expenses incurred to travel 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 12 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 during the published ski season for Your resort.
If no alternative sites are available We will pay You compensation of £50 per day up to a maximum of £500.
What is not covered
1. Anything mentioned in the general exclusions on page 14.

Section N - Hire of Ski Equipment
What is covered
We will pay up to £30 per day, up to a maximum of £500 for the reasonable cost of hiring replacement Ski 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 Ski Equipment.
What is not covered
1. Loss, theft of or damage to Ski Equipment contained in or stolen from an Unattended vehicle at any time unless it is in the locked boot, locked in the car and covered from view, in a locked top box, or (for skis) fixed in secure, lockable clamps on the vehicle and evidence of force and violence having been used is available.
2. Loss or damage due to delay, confiscation or detention by customs or other authority.
3. Loss or damage caused by depreciation, deterioration, atmospheric or climatic conditions, moth, vermin, any process of cleaning, repairing or restoring, mechanical or electrical breakdown.
4. Anything mentioned in the general exclusions on page 14.
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 Your own Ski Equipment.
2. If Ski Equipment 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 Ski Equipment 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.

Section N - Hire of Ski Equipment
What is covered
We will pay up to £30 per day, up to a maximum of £500 for the reasonable cost of hiring replacement Ski 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 Ski Equipment.
What is not covered
1. Loss, theft of or damage to Ski Equipment contained in or stolen from an Unattended vehicle at any time unless it is in the locked boot, locked in the car and covered from view, in a locked top box, or (for skis) fixed in secure, lockable clamps on the vehicle and evidence of force and violence having been used is available.
2. Loss or damage due to delay, confiscation or detention by customs or other authority.
3. Loss or damage caused by depreciation, deterioration, atmospheric or climatic conditions, moth, vermin, any process of cleaning, repairing or restoring, mechanical or electrical breakdown.
4. Anything mentioned in the general exclusions on page 14.
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 Your own Ski Equipment.
2. If Ski Equipment 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 Ski Equipment 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.

Section E Baggage (only included if indicated in the Policy Schedule)
What is covered
Cover in respect of Golf Equipment is only included if the appropriate premium has been paid.
1. We will pay up to the amounts shown below for the accidental loss of, theft of or damage to:
a) Baggage (excluding Golf Equipment if cover is included) £2,500.
b) Golf Equipment (if cover is included) £1,000.
The amount payable will be:
a) for articles less than 2 years old at the time of loss or theft, We will pay the replacement cost when evidence of the original purchase is provided, (evidence of original purchase is not required for items of clothing).
b) for articles 2 years old or more, or if evidence cannot be produced as to its age, We will pay 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 (not applicable to Golf Equipment if cover is included).
b) the total for all Valuables £500.
2. We will also pay up to the amounts shown below:
a) £300 for the emergency replacement of clothing, medication and toiletries if the Baggage is temporarily lost in transit during the outward journey and not returned to You within 12 hours, provided written
confirmation is obtained and sent to Us from the carrier, confirming the number of hours the Baggage was delayed.
If the loss is permanent the amount paid will be deducted from the final amount to be paid under this section.
b) £20 per day, up to a maximum of £200 for the reasonable cost of hiring replacement Golf Equipment (if cover is included) 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
1. The first £50 of each and every claim per incident for each Insured Person (except under sub-section
2.a)) unless
a) You have purchased the Excess waiver option and this is shown in Your Policy Schedule
b) You have taken the double Excess option and this is shown in Your Policy Schedule.
2. Loss, theft of or damage to Valuables left Unattended at any time (including in a vehicle or in the custody of carriers) unless deposited in a hotel safe, safety deposit box or left in Your locked accommodation.
3. Loss, theft of or damage to Baggage contained in an Unattended vehicle at any time unless:
a) it is in the locked boot which is separate from the passenger compartment for those vehicles with a boot or
b) for those vehicles without a separate boot it is locked in the vehicle and covered from view and
c) evidence of force and violence having been used is available.
4. Loss or damage due to delay, confiscation or detention by customs or other authority.
5. Loss, theft of or damage to unset precious stones, contact or corneal lenses, hearing aids, dental or medical fittings, antiques, musical instruments, deeds, manuscripts, securities, perishable goods, bicycles, winter sports equipment and damage to suitcases (unless the suitcases are entirely unusable as a result of one single incidence of damage).
6. Loss or damage due to cracking, scratching, breakage of or damage to china, glass (other than glass in watch faces, cameras, binoculars or telescopes), porcelain or other brittle or fragile articles unless caused by fire, theft, or accident to the vessel, aircraft or vehicle in which they are being carried.
7. Loss or damage due to breakage of sports equipment or damage to sports clothing whilst in use (other than Golf Equipment if cover is included).
8. Loss, theft of or damage to business goods, samples, tools of trade and other items used in connection with Your business, trade, profession or occupation.
9. Loss or damage caused by wear and tear, depreciation, deterioration, atmospheric or climatic conditions, moth, vermin, any process of cleaning, repairing or restoring, mechanical or electrical breakdown.
10. Anything mentioned in the general exclusions on page 14.
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.

Section E Baggage (only included if indicated in the Policy Schedule)
What is covered
Cover in respect of Golf Equipment is only included if the appropriate premium has been paid.
1. We will pay up to the amounts shown below for the accidental loss of, theft of or damage to:
a) Baggage (excluding Golf Equipment if cover is included) £2,500.
b) Golf Equipment (if cover is included) £1,000.
The amount payable will be:
a) for articles less than 2 years old at the time of loss or theft, We will pay the replacement cost when evidence of the original purchase is provided, (evidence of original purchase is not required for items of clothing).
b) for articles 2 years old or more, or if evidence cannot be produced as to its age, We will pay 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 (not applicable to Golf Equipment if cover is included).
b) the total for all Valuables £500.
2. We will also pay up to the amounts shown below:
a) £300 for the emergency replacement of clothing, medication and toiletries if the Baggage is temporarily lost in transit during the outward journey and not returned to You within 12 hours, provided written
confirmation is obtained and sent to Us from the carrier, confirming the number of hours the Baggage was delayed.
If the loss is permanent the amount paid will be deducted from the final amount to be paid under this section.
b) £20 per day, up to a maximum of £200 for the reasonable cost of hiring replacement Golf Equipment (if cover is included) 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
1. The first £50 of each and every claim per incident for each Insured Person (except under sub-section
2.a)) unless
a) You have purchased the Excess waiver option and this is shown in Your Policy Schedule
b) You have taken the double Excess option and this is shown in Your Policy Schedule.
2. Loss, theft of or damage to Valuables left Unattended at any time (including in a vehicle or in the custody of carriers) unless deposited in a hotel safe, safety deposit box or left in Your locked accommodation.
3. Loss, theft of or damage to Baggage contained in an Unattended vehicle at any time unless:
a) it is in the locked boot which is separate from the passenger compartment for those vehicles with a boot or
b) for those vehicles without a separate boot it is locked in the vehicle and covered from view and
c) evidence of force and violence having been used is available.
4. Loss or damage due to delay, confiscation or detention by customs or other authority.
5. Loss, theft of or damage to unset precious stones, contact or corneal lenses, hearing aids, dental or medical fittings, antiques, musical instruments, deeds, manuscripts, securities, perishable goods, bicycles, winter sports equipment and damage to suitcases (unless the suitcases are entirely unusable as a result of one single incidence of damage).
6. Loss or damage due to cracking, scratching, breakage of or damage to china, glass (other than glass in watch faces, cameras, binoculars or telescopes), porcelain or other brittle or fragile articles unless caused by fire, theft, or accident to the vessel, aircraft or vehicle in which they are being carried.
7. Loss or damage due to breakage of sports equipment or damage to sports clothing whilst in use (other than Golf Equipment if cover is included).
8. Loss, theft of or damage to business goods, samples, tools of trade and other items used in connection with Your business, trade, profession or occupation.
9. Loss or damage caused by wear and tear, depreciation, deterioration, atmospheric or climatic conditions, moth, vermin, any process of cleaning, repairing or restoring, mechanical or electrical breakdown.
10. Anything mentioned in the general exclusions on page 14.
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.

Section A - Cancellation or curtailment charges
What is covered
We will pay You up to £6,000 for any irrecoverable unused travel and accommodation costs (including excursions up to £250) and other prepaid charges (including green fees of up to £75 per day, up to a maximum of £300 where the appropriate Golf Equipment premium has been paid) which You have paid or are contracted to pay together with any reasonable additional travel expenses incurred if
a) cancellation of the Trip is necessary and unavoidable or
b) the Trip is Curtailed before completion
as a result of any of the following events occurring:
1. The death, Bodily Injury or illness of:
a) You
b) any person with whom You are travelling or have arranged to travel
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. The withdrawal of leave for members of the Armed Forces, Police, Fire, Nursing or Ambulance Services or employees of a Government Department, provided that such cancellation or Curtailment could not reasonably have been expected at the time of applying for insurance.
5. The Police requesting You to remain at or return to Your Home due to serious damage to Your Home caused by fire, aircraft, explosion, storm, flood, subsidence, malicious persons or theft.
What is not covered
1. The first £50 of each and every claim per incident for each Insured Person (except loss of deposit) unless
a) You have purchased the Excess waiver option and this is shown in Your Policy Schedule
b) You have taken the double Excess option and this is shown in Your Policy Schedule.
2. 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 effected by You or the time of booking any Trip (whichever is the earlier).
b) Circumstances known to You prior to the date this insurance is effected 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.
c) Airport Departure Duty.
3. 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
except where We tell You, in writing, that We are still unable to provide cover.
4. Travel tickets paid for using any airline mileage reward scheme, for example Air Miles.
5. Anything mentioned in the general exclusions on page 14.
You should also refer to the Important - conditions relating to health on page 12.
Special conditions relating to claims
1. You must obtain a medical certificate from a Medical Practitioner and prior approval of the Emergency Assistance Service to confirm the necessity to return Home prior to Curtailment of the Trip due to death, Bodily Injury or illness.
2. If You fail to notify the travel agent, tour operator or provider of transport/accommodation immediately it is found necessary to cancel the Trip Our liability shall be restricted to the cancellation charges that would have applied had failure not occurred.
3. If You cancel the Trip due to Bodily Injury or illness You must provide a medical certificate from a Medical Practitioner stating that this necessarily and reasonably prevented You from travelling.
Section L - Independent traveller cover
(only included if indicated in the Policy Schedule)
What is covered
Extended Cancellation or Curtailment Charges
Section A - Cancellation or curtailment charges is extended to include the following cover.
We will pay You up to £6,000 for any irrecoverable unused travel and accommodation costs (including excursions up to £250) and other prepaid charges (including green fees of up to £75 per day, up to a maximum of £300 where the appropriate Golf Equipment premium has been paid) which You have paid or are contracted to pay together with any reasonable additional travel expenses incurred if:
a) You were not able to travel and use Your booked accommodation or
b) the Trip was Curtailed before completion as a result of the Travel Advice Unit of the Foreign & Commonwealth Office (FCO) or the World Health Organisation (WHO) or similar body issuing a directive:
1. prohibiting all travel or all but essential travel to or
2. recommending evacuation from the country or specific area or event to which You were travelling providing such directive came into force after You purchased this insurance or booked the Trip (whichever is the later), or in the case of Curtailment after You had left the United Kingdom to commence the Trip.

Section I - Missed departure
What is covered
We will pay up to £1,000 (limited to £300 for Trips solely within the United Kingdom) for reasonable additional accommodation (room only) and travel expenses necessarily incurred in reaching Your overseas destination, or returning to the United Kingdom, 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:
1. The failure of other Public Transport or
2. An accident to, or breakdown of the vehicle in which You are travelling or
3. An accident or breakdown occurring ahead of You on a motorway or dual carriageway which causes an unexpected delay to the vehicle in which You are travelling or
4. Strike, industrial action or adverse weather conditions.
You may claim only under one of sections H - Delayed departure, I - Missed departure or L - Independent traveller cover for the same event
What is not covered
1. The first £50 of each and every claim per incident for each Insured Person unless
a) You have purchased the Excess waiver option and this is shown in Your Policy Schedule
b) You have taken the double Excess option and this is shown in Your Policy Schedule.
2. Claims arising directly or indirectly from:
a) Strike or industrial action existing or declared publicly by the date this insurance is effected by You.
b) An accident to or breakdown of the vehicle in which You are travelling for which a professional repairers report is not provided.
c) 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.
d) 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.
e) Additional costs where the scheduled Public Transport operator has offered reasonable alternative travel arrangements.
3. Anything mentioned in the general exclusions on page 14.
Special conditions relating to claims
1. In the event of a claim arising from any delay occurring on a motorway or dual carriageway, You must obtain written confirmation from the Police or emergency breakdown services of the location, reason for and duration of the delay.
2. You must allow sufficient time for the Public Transport or other transport to arrive on schedule and to deliver You to the departure point.
Section L - Independent traveller cover
(only included if indicated in the Policy Schedule)
Extended Missed Departure
Section I - Missed departure cover is extended to include the following cover.
We will pay You up to £1,000 (limited to £300 for Trips solely within the United Kingdom) for reasonable additional accommodation (room only) and travel expenses necessarily incurred in reaching Your overseas
destination or returning to the United Kingdom if You fail to arrive at the departure point in time to board:
a) any onward connecting Public Transport on which You are booked to travel following completion of the initial international journey including connections within the United Kingdom on the return journey to
Your Home as a result of:
1. the failure of other Public Transport or
2. strike, industrial action or adverse weather conditions or
3. You being denied boarding (because there are too many passengers for the seats available) and no other suitable alternative flight could be provided within 12 hours.
You may claim only under Section L - Independent travellers cover 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 at the final departure point from or return to the United Kingdom 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:
1. £30 for the first completed 12 hours delay and £30 for each full 12 hours delay thereafter up to a maximum of £450 or
2. Up to £6,000 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 subsection 1. or 2. above, not both.
You may claim only under one of sections H - Delayed departure, I - Missed departure or L - Independent traveller cover for the same event
What is not covered
1. The first £50 of each and every claim per incident for each Insured Person under subsection 2. unless
a) You have purchased the Excess waiver option and this is shown in Your Policy Schedule
b) You have taken the double Excess option and this is shown in Your Policy Schedule.
2. Claims arising directly or indirectly from:
a) Strike or industrial action or air traffic control delay existing or publicly declared by the date this insurance is effected by You.
b) Withdrawal from service (temporary or otherwise) of an aircraft or sea vessel on the recommendation of the Civil Aviation Authority or a Port Authority or any similar body in any country.
3. Anything mentioned in the general exclusions on page 14.
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.
Section L - Independent traveller cover
(only included if indicated in the Policy Schedule)
Extended Delayed Departure
Section H - Delayed departure is extended to include the following cover.
We will pay You one of the following amounts:
1. If the Public Transport on which You are booked to travel is cancelled or delayed for more than 12 hours at the departure point of any connecting Public Transport in the United Kingdom or to Your overseas
destination or on the return journey to Your Home We will pay You
What is covered
a) £30 for the first completed hours delay and £30 for each full 12 hours delay after that, up to a maximum of £450 (which is meant to help You pay for telephone calls made and meals and refreshments purchased during the delay) provided You eventually continue the Trip.
2. We will pay You up to £6,000 for either:
a) any irrecoverable unused accommodation costs and charges which You have paid or are contracted to pay because You were not able to travel and use Your booked accommodation as a result of:
i) the Public Transport on which You were booked to travel from the United Kingdom being cancelled or delayed for more than 12 hours or
ii) You being denied boarding (because there are too many passengers for the seats available) and no other suitable alternative flight could be provided within 12 hours and You choose to cancel Your Trip because the alternative transport to Your overseas destination offered by the Public Transport operator was not reasonable or
b) reasonable additional accommodation (room only) and travel expenses necessarily incurred in reaching Your overseas destination and/or in returning to the United Kingdom as a result of:
i) the Public Transport on which You were booked to travel being cancelled, delayed for more than 12 hours, diverted or re-directed after take-off or
ii) You being denied boarding (because there are too many passengers for the seats available) and no other suitable alternative flight could be provided within 12 hours and You choose to make other travel
arrangements for Your Trip because the alternative transport offered by the Public Transport operator was not reasonable. The amount payable will be calculated after deduction of the amount of the refund on Your ticket(s) together with any compensation from the Public Transport operator.
You may claim only under subsection 1. or 2. above for the same event, not both.
You may claim only under Section L - Independent travellers cover or Section H - Delayed 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 at the final departure point from or return to the United Kingdom 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:
1. £30 for the first completed 12 hours delay and £30 for each full 12 hours delay thereafter up to a maximum of £450 or
2. Up to £6,000 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 subsection 1. or 2. above, not both.
You may claim only under one of sections H - Delayed departure, I - Missed departure or L - Independent traveller cover for the same event
What is not covered
1. The first £50 of each and every claim per incident for each Insured Person under subsection 2. unless
a) You have purchased the Excess waiver option and this is shown in Your Policy Schedule
b) You have taken the double Excess option and this is shown in Your Policy Schedule.
2. Claims arising directly or indirectly from:
a) Strike or industrial action or air traffic control delay existing or publicly declared by the date this insurance is effected by You.
b) Withdrawal from service (temporary or otherwise) of an aircraft or sea vessel on the recommendation of the Civil Aviation Authority or a Port Authority or any similar body in any country.
3. Anything mentioned in the general exclusions on page 14.
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.
Section L - Independent traveller cover
(only included if indicated in the Policy Schedule)
Extended Delayed Departure
Section H - Delayed departure is extended to include the following cover.
We will pay You one of the following amounts:
1. If the Public Transport on which You are booked to travel is cancelled or delayed for more than 12 hours at the departure point of any connecting Public Transport in the United Kingdom or to Your overseas
destination or on the return journey to Your Home We will pay You
What is covered
a) £30 for the first completed hours delay and £30 for each full 12 hours delay after that, up to a maximum of £450 (which is meant to help You pay for telephone calls made and meals and refreshments purchased during the delay) provided You eventually continue the Trip.
2. We will pay You up to £6,000 for either:
a) any irrecoverable unused accommodation costs and charges which You have paid or are contracted to pay because You were not able to travel and use Your booked accommodation as a result of:
i) the Public Transport on which You were booked to travel from the United Kingdom being cancelled or delayed for more than 12 hours or
ii) You being denied boarding (because there are too many passengers for the seats available) and no other suitable alternative flight could be provided within 12 hours and You choose to cancel Your Trip because the alternative transport to Your overseas destination offered by the Public Transport operator was not reasonable or
b) reasonable additional accommodation (room only) and travel expenses necessarily incurred in reaching Your overseas destination and/or in returning to the United Kingdom as a result of:
i) the Public Transport on which You were booked to travel being cancelled, delayed for more than 12 hours, diverted or re-directed after take-off or
ii) You being denied boarding (because there are too many passengers for the seats available) and no other suitable alternative flight could be provided within 12 hours and You choose to make other travel
arrangements for Your Trip because the alternative transport offered by the Public Transport operator was not reasonable. The amount payable will be calculated after deduction of the amount of the refund on Your ticket(s) together with any compensation from the Public Transport operator.
You may claim only under subsection 1. or 2. above for the same event, not both.
You may claim only under Section L - Independent travellers cover or Section H - Delayed 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
1. Compensation or legal costs arising directly or indirectly from:
a) Liability which has been assumed by You under agreement unless the liability would have attached in the absence of such agreement.
b) Pursuit of any trade, business, profession or occupation or the supply of goods or services.
c) Ownership, possession or use of vehicles, aircraft or watercraft (other than manually propelled rowboats, punts or canoes and provided the appropriate Golf Equipment premium has been paid, 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 £100 of each and every claim arising from the same incident).
2. Anything mentioned in the general exclusions on page 14.
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.

Section K Extended kennel and/or cattery fees
What is covered
We will pay You up to £250 (£150 for Trips in the United Kingdom) for kennel/cattery fees if Your dog(s)/cat(s) are in a kennel/cattery during Your Trip and Your return to Your Home has been delayed due to Your Bodily Injury or illness.
What is not covered
1. Anything mentioned in the general exclusions on page 14.
Special conditions relating to claims
1. This section will only be payable if Your delay is due to Bodily Injury or illness which is covered under section B - Emergency medical and other expenses.
2. You must get a written statement from the appropriate kennel or cattery confirming any extra charges that You have to pay.
3. Any amount payable under this section only applies to domestic cat(s) and/or dog(s) that You own.

General exclusions applicable to all sections of the policy - We will not pay for claims arising directly or indirectly from:
1 War, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, Terrorism, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power but this exclusion shall not apply to claims arising under section B - Medical and other expenses, section C - Hospital benefit and section D -Personal accident, unless such losses are caused by nuclear, chemical or biological attack.
2 Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste, from combustion of nuclear fuel, the radioactive, toxic, explosive or other hazardous properties of any nuclear assembly or nuclear component of such assembly.
3 Loss, destruction or damage directly occasioned by pressure waves caused by aircraft and other aerial devices travelling at sonic or supersonic speeds.
4 The failure or fear of failure or inability of any equipment or any computer programme, whether or not You own it, to recognise or to interpret correctly or process any date as its true calendar date, or to continue to function correctly beyond that date.
5 Your pursuit of winter sports unless sections L, M, N and O are shown as operative in the schedule.
6 The following activities (even if sections M, N, O and P are shown as operative in the schedule): bobbing, cat skiing, free style skiing, glacier skiing, heli skiing, ski acrobatics, ski flying, skiing against local authority warning or advice, ski-stunting, ski jumping, ski mountaineering, ski yawing, snow biking, snow carting, snow scooting or the use of bob sleighs, luges, bungees, skeletons, ski touring equipment, tobogganing and in North America, Winter Sports outside the defined boundaries of a resort. Cover can however be given for some sports or activities please telephone Our customer helpline on 0800 068 3918 for further details.
7 Your engagement in or practice of: manual work in connection with a profession business or trade (other than occupations involving professional, administrative or clerical duties only or bar/restaurant work), flying except as a fare paying passenger in a fully-licensed passenger-carrying aircraft, the use of motorised two or three wheeled vehicles unless a full United Kingdom driving licence is held permitting the use of such vehicles in the United Kingdom, professional entertaining, professional sports, racing, motor rallies and motor competitions.
8 Your engagement in or practice of: abseiling, boxing, bungee jumping, canoeing at grade 4 or above, caving, canyoning, mountaineering requiring the use of guides or ropes, expeditions, fencing, football. (if the main purpose of the Trip), gliding, gymnastics, hang gliding, horseriding in competitions, hot air ballooning (unless as part of an organised trip with a qualified pilot), hunting, jetskiing (section G -Personal liability only), karate, kayaking, martial arts, microlighting, parachuting, paragliding, parapenting, polo, pot holing, rafting, rugby, shark diving, sky diving, sky surfing, underwater activities requiring the use of artificial breathing apparatus (except scuba diving to a depth of 30 metres when You hold suitable diving qualifications and are not diving alone, or You are accompanied by an accredited instructor) or wrestling. Cover can however be given for some sports or activities - please telephone Our customer helpline on 0800 068 3918 for further details.
9 Your wilfully, self-inflicted injury or illness, sexually transmitted diseases, solvent abuse, alcohol abuse, the use of drugs (other than drugs taken in accordance with treatment prescribed and directed by a Medical Practitioner, but not for the treatment of drug addiction), self-exposure to needless peril (except in an attempt to save human life).
10 Your own ,unlawful action or any criminal Proceedings against You.
11 Bodily Injury, illness, sickness, death, loss, disablement, expense or other liability attributable to HIV (Human Immunodeficiency Virus) and/or any HIV related illness.
12 Consequential loss of any kind (for example the replacement of locks following loss of keys).
13 Operational duties of a member of the armed forces.

We will not pay for claims arising directly or indirectly from the failure or fear of failure or inability of any equipment or any computer programme, whether or not You own it, to recognise or to interpret correctly or process any date as its true calendar date, or to continue to function correctly beyond that date.

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 ;n 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).
2 Reasonable precautions - You must take and cause to be taken all reasonable precautions to avoid injury, loss 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 - We may cancel this policy by writing to You at Your last known address by recorded delivery giving 14 days notice.
Claims conditions - You must comply with the following conditions to have the full protection of Your policy. If You do not comply We may at Our option cancel the policy or refuse to deal with Your claim or reduce the amount of any claim payment.
1 Claims
You must notify Us at the address given below, depending on the type of claim:
All Claims except Legal Marks and Spencer Travel Claims
expenses PO Box 147
Chichester
West Sussex
P019 IFS
Tel: 01243 621341
Legal expenses only AXA Assistance The Quadrangle 106/118 Station Road Redhill Surrey RH 1 1 PX Tel: 01737 815 084 The notification must be: a) In respect of all claims except Legal expenses:
i) within 31 days of any Bodily Injury, illness, incident or redundancy or
ii) as soon as possible following the discovery of any loss or damage which may give rise to a claim under this policy,
b) In respect of Legal expenses only: within 90 days of the event that gave rise to Your claim.
You must also inform Us if You are aware of any writ, summons or impending prosecution Every communication relating to a claim must be sent to Us without delay. You or anyone acting on Your behalf must not negotiate admit or repudiate any claim without Our written consent.
You or Your legal representatives must supply at Your own expense all information, evidence, details of household insurance and medical certificates as required by Us. We reserve the right to require You to undergo an independent medical examination at Our expense. We may also request and will pay for a postmortem examination.
You must retain any property which is damaged, and, if requested, send it to Us at Your own expense. If We pay a claim for the full value of the property if it is subsequently recovered or there is any salvage then it will become Our property. We may refuse to reimburse You for any expenses for which You cannot provide receipts or bills.
2 Subrogation - We are entitled to take over and conduct in Your name the defence and settlement of any legal action. We may also take proceedings at Our own expense and for Our own benefit, but in Your name, to recover any payment We have made under this policy to anyone else.
3 Fraud - You must not act in a fraudulent manner
If You or anyone acting for You Make a claim under the policy knowing the claim to be false or fraudulently exaggerated in any respect or Make a statement in support of a claim knowing the statement to be false in any respect or Submit a document in support of a claim knowing the document to be forged or false in any respect or Make a claim in respect of any loss or damage caused by Your wilful act or with Your connivance
Then We shall not pay the claim We shall not pay any other claim which has been or will be made under the policy We may at Our option declare the policy void We shall be entitled to recover from You the amount: of any claim already paid under the policy We shall not make any return of premium We may inform the police of the circumstances.

Excess
means the amount You pay in the event of a claim unless You have purchased the excess waiver as shown in the Policy Schedule. This payment applies to each and every claim per incident for each Insured Person but is limited to £100 in all if Family Cover or Single Parent Cover applies.
Where a claim is made under two or more sections of the policy the total amount payable shall not exceed £50 or £100 in all if Family Cover or Single Parent Cover applies.
If You have taken the double excess as shown in the Policy Schedule the amount You pay, including the limits, in the event of a claim as described above will be doubled.

In the event of liability being accepted for a medical expense which has been reduced by the use of either a European Health Insurance Card or private health insurance, We will not apply the deduction of excess
under section B - Emergency medical and other expenses.