NatWest Long Stay

Section D - Emergency medical and travel expenses abroad
Reciprocal Health Agreement and European Health Insurance Card (EHIC)
The department of health needs to make sure that UK travellers in Europe now carry the new European Health Insurance Card (EHIC), which has recently replaced the E111. This will provide you with cheaper or free state-provided medical treatment in most European countries. For more information or to apply for your free EHIC visit www.dh.gov.k/travellers or you can also phone 0845 606 2030 or pick up an application form from your nearest post office.
This section allows you to receive essential emergency treatment if you fall ill or are injured in an accident while you are abroad. You can then either continue with your journey or, if medically necessary, be taken back to your home in your home country for further medical treatment. If you need more than simple out-patient treatment of the sort that you can pay for locally, you should call the Assistance Service for help and advice. Please beware of excessive treatment charges and note this is not private health insurance. If you are in any doubt please call us for advice.
The telephone numbers for the Assistance Service are listed on page 15 of this booklet.
You must tell the Assistance Service immediately if you are likely to be admitted to hospital for any reason. Many hospitals will not begin treatment until the costs have been guaranteed. If your condition is serious we will bring you home to your home country as soon as our medical advisor/s consider that you are fit enough to travel safely.
- If your health changes during the period of insurance you must tell us before making any new travel arrangements to make sure that you are fully covered.
We will pay costs up to £5,000,000 per insured person for continuous medical and travel expenses incurred abroad as a result of you becoming ill or injured. We will pay for the following costs:
1) Usual, reasonable and necessary emergency treatment for medical and travel expenses (including emergency dental treatment to relieve immediate pain);
2) Returning you to your home country;
3) Economy travel and accommodation expenses of up to £2,000, (including a daily allowance of £25 per day for meals, phone calls and travel) for one person who is a resident of the UK who is required on medical advice to stay with or travel to and stay with you;
4) Up to £2,500 for funeral expenses abroad or for the extra costs of returning your remains to your home;
5) A daily subsistence allowance of £25 for meals, phone calls and travel after you are discharged from hospital and before your emergency repatriation to your home country on medical grounds.
You must provide us with valid receipts for 3 and 5 above.
Conditions
a) You must not be travelling against medical advice or specifically to get medical treatment;
b) You or anyone upon whom the journey depends not being diagnosed with a terminal illness before the issue of this policy;
c) You must not be waiting for medical treatment as a hospital in-patient or day patient before the issue of this policy unless we know about it and we have agreed to it in writing;
d) You must give the Assistance Service full details as soon as you know of a medical emergency;
e) You must accept our decisions about the most suitable, practical and reasonable solutions to any medical emergency;
f) You must tell us before making any new travel arrangements if your state of health changes during the period of insurance.
Exclusions
We will not pay for any claim arising directly or indirectly resulting from:
a) Treatment or help provided in your home country;
b) Non-emergency treatment, tests or surgery (including cosmetic surgery), that is not directly related to the illness or injury which caused you to go into hospital;
c) Surgery or medical treatment that the medical advisor believes is not essential and could wait until your return to your home country;
d) Treatment or help which the medical advisor believes was provided after you first became able to return to your home country;
e) Pregnancy during the two months immediately before your estimated date of delivery or the first seven days after giving birth;
f) The extra cost of single or private accommodation in a hospital or clinic;
g) Any expenses which we have not agreed to for in-patient treatment or bringing you home;
h) Medication which you need at the time of your departure and which you know will have to continue abroad;
i) Dental work involving the use of precious metals;
j) Any treatment or services provided by a spa or nursing home or rehabilitation centre;
k) Your failure to obtain necessary emergency medical treatment;
l) The standard of medical treatment you received from the medical service provider(s);
m) Any treatment which you should have received from the medical service provider(s).
Excess
An excess will be applied to each person claiming and to each claim. Please see your policy schedule confirmation. The excess will not apply for inpatient treatment claims.

Section H - Personal accident
If you are physically injured on a journey and the injury is solely and independently caused by violent, visible, external and accidental means we will pay you or your legal representatives either:
Benefit 1
Up to £10,000 if your injuries lead to death or total and permanent loss of sight or physical loss of limb; or
Benefit 2
Up to £25,000 if you are permanently disabled and cannot work in any capacity after two years from the date of the accident because of the injury.
Exclusions
We will not pay:
a) For more than one benefit for the same incident;
b) More than £1,500 under Benefit 1 if you are under 16 at the time of the accident.

Section D - Emergency medical and travel expenses abroad
Reciprocal Health Agreement and European Health Insurance Card (EHIC)
The department of health needs to make sure that UK travellers in Europe now carry the new European Health Insurance Card (EHIC), which has recently replaced the E111. This will provide you with cheaper or free state-provided medical treatment in most European countries. For more information or to apply for your free EHIC visit www.dh.gov.k/travellers or you can also phone 0845 606 2030 or pick up an application form from your nearest post office.
This section allows you to receive essential emergency treatment if you fall ill or are injured in an accident while you are abroad. You can then either continue with your journey or, if medically necessary, be taken back to your home in your home country for further medical treatment. If you need more than simple out-patient treatment of the sort that you can pay for locally, you should call the Assistance Service for help and advice. Please beware of excessive treatment charges and note this is not private health insurance. If you are in any doubt please call us for advice.
The telephone numbers for the Assistance Service are listed on page 15 of this booklet.
You must tell the Assistance Service immediately if you are likely to be admitted to hospital for any reason. Many hospitals will not begin treatment until the costs have been guaranteed. If your condition is serious we will bring you home to your home country as soon as our medical advisor/s consider that you are fit enough to travel safely.
- If your health changes during the period of insurance you must tell us before making any new travel arrangements to make sure that you are fully covered.
We will pay costs up to £5,000,000 per insured person for continuous medical and travel expenses incurred abroad as a result of you becoming ill or injured. We will pay for the following costs:
1) Usual, reasonable and necessary emergency treatment for medical and travel expenses (including emergency dental treatment to relieve immediate pain);

Section D - Emergency medical and travel expenses abroad
Reciprocal Health Agreement and European Health Insurance Card (EHIC)
The department of health needs to make sure that UK travellers in Europe now carry the new European Health Insurance Card (EHIC), which has recently replaced the E111. This will provide you with cheaper or free state-provided medical treatment in most European countries. For more information or to apply for your free EHIC visit www.dh.gov.k/travellers or you can also phone 0845 606 2030 or pick up an application form from your nearest post office.
This section allows you to receive essential emergency treatment if you fall ill or are injured in an accident while you are abroad. You can then either continue with your journey or, if medically necessary, be taken back to your home in your home country for further medical treatment. If you need more than simple out-patient treatment of the sort that you can pay for locally, you should call the Assistance Service for help and advice. Please beware of excessive treatment charges and note this is not private health insurance. If you are in any doubt please call us for advice.
The telephone numbers for the Assistance Service are listed on page 15 of this booklet.
You must tell the Assistance Service immediately if you are likely to be admitted to hospital for any reason. Many hospitals will not begin treatment until the costs have been guaranteed. If your condition is serious we will bring you home to your home country as soon as our medical advisor/s consider that you are fit enough to travel safely.
- If your health changes during the period of insurance you must tell us before making any new travel arrangements to make sure that you are fully covered.
We will pay costs up to £5,000,000 per insured person for continuous medical and travel expenses incurred abroad as a result of you becoming ill or injured. We will pay for the following costs:
4) Up to £2,500 for funeral expenses abroad or for the extra costs of returning your remains to your home;

Section D - Emergency medical and travel expenses abroad
Reciprocal Health Agreement and European Health Insurance Card (EHIC)
The department of health needs to make sure that UK travellers in Europe now carry the new European Health Insurance Card (EHIC), which has recently replaced the E111. This will provide you with cheaper or free state-provided medical treatment in most European countries. For more information or to apply for your free EHIC visit www.dh.gov.k/travellers or you can also phone 0845 606 2030 or pick up an application form from your nearest post office.
This section allows you to receive essential emergency treatment if you fall ill or are injured in an accident while you are abroad. You can then either continue with your journey or, if medically necessary, be taken back to your home in your home country for further medical treatment. If you need more than simple out-patient treatment of the sort that you can pay for locally, you should call the Assistance Service for help and advice. Please beware of excessive treatment charges and note this is not private health insurance. If you are in any doubt please call us for advice.
The telephone numbers for the Assistance Service are listed on page 15 of this booklet.
You must tell the Assistance Service immediately if you are likely to be admitted to hospital for any reason. Many hospitals will not begin treatment until the costs have been guaranteed. If your condition is serious we will bring you home to your home country as soon as our medical advisor/s consider that you are fit enough to travel safely.
- If your health changes during the period of insurance you must tell us before making any new travel arrangements to make sure that you are fully covered.
We will pay costs up to £5,000,000 per insured person for continuous medical and travel expenses incurred abroad as a result of you becoming ill or injured. We will pay for the following costs:
4) Up to £2,500 for funeral expenses abroad or for the extra costs of returning your remains to your home;

Section C - Personal money
This section covers your travel money against loss or theft. If you make a claim, you will need to provide evidence that you had the money, so please keep any receipts. If your personal money is lost or stolen report it to the police, we will pay a single emergency cash advance of up to £100 for each insured adult. You must then repay this amount to us when you return home or we can take it from the final amount we pay for your claim. We will not offer a cash advance under any other circumstances. Please note the advice given in section A - Personal possessions, under the heading Be aware! as it applies to this section also.
We will pay you up to £500 per insured person if your personal money is lost or stolen on your journey or during the period of 72 hours immediately before your departure.
The cash or Bank note limit is £250 per insured person.
Conditions
a) You must report any loss to the Police within 24 hours of discovering it and you must get a written police report;
b) If we ask, you must show us confirmation of the amount of foreign currency. In the case of Sterling, you must provide documents to prove that you had the money.
Exclusions
a) We will not pay for loss or theft of personal money unless it is with you or there is evidence of force and violence to gain entry into your safety deposit box or locked personal accommodation.
b) We will not pay for loss or theft of personal money in the form of travellers cheques or credit cards.
Excess
An excess will be applied to each person claiming and to each claim. Please see your policy schedule confirmation.

NatWest Travel Insurance assistance helplines
You are covered if you need help in any emergency, for guidance and/or assistance with the following:
5. Money Advance
A cash advance of up to £250 can be arranged, if needed for a genuine emergency, and you are unable to obtain sufficient funds locally. A guarantee of payment to cover the amount will be required.
You are not covered for:
a) Administrative and delivery charges costing more than the limit of £250;
b) The cost of any replacement articles, drugs, medication or blood which our Assistance Service obtains on your behalf;
c) Anything mentioned in the General Exclusions.

Section L - Legal assistance
Part One - Legal advice phone 0845 246 0427
You can call the Legal advice line for practical legal advice on any UK legal problem in connection with your journey. This applies both during your journey and after you have returned home.
Part Two - Personal injury phone 0845 246 0427
We will pay up to £25,000 for legal costs to help make a claim if you are physically injured or killed during your journey as a result of another persons actions or failure to act.
Part Three - If you are held abroad: phone UK Country Code +44 845 246 0427 If you are arrested or held by authorities during your journey we will pay up to £250 for your first consultation with a local lawyer.
Part Four - Holiday contractual disagreements : phone 0845 246 0427 We will pay up to £25,000 in legal costs to help make a claim following a dispute as a result of an agreement you have for your journey.
Conditions
a) We can take over any claim or legal action and conduct it in your name. We can also negotiate the claim on your behalf;
b) You must notify us within 90 days of the incident leading to the claim;
c) We may choose a lawyer to represent you at any time before we agree to start legal action;
d) If we agree to start legal proceedings and you disagree with our choice of lawyer, then you can choose another lawyer by sending us the lawyers name and address. We must both agree in writing of this choice. We may choose not to accept this choice of lawyer, but this will only be in exceptional circumstances. If we cannot agree with you about the choice of a second lawyer we will ask the president of a relevant national law society to choose a lawyer. Whoever loses the disagreement will have to pay the costs of it;
e) The lawyer must co-operate fully with us at all times;
f) You must co-operate fully with the lawyer and us;
g) We can take over and conduct in your name any claim for legal proceedings at any time before a lawyer is appointed;
h) If a lawyer refuses to continue acting for you the cover provided will end immediately, unless we agree to appoint another lawyer;
i) You must tell us immediately if anyone offers to settle the claim;
j) If you do not accept a reasonable offer to settle a claim we may refuse to pay further legal costs;
k) You must not negotiate or agree to settle a claim without our approval;
l) We may decide to pay you the amount of damages you are claiming instead of starting or continuing legal proceedings;
m) If you stop a claim without our agreement or do not give the lawyer suitable instructions, your cover will end at once;
n) Any disagreement between you and us may be referred to an arbitrator acceptable to us both. If we cannot agree, the Law Society or other relevant body will nominate an arbitrator;
o) If we ask, you must tell the lawyer to have legal costs taxed, assessed or audited;
p) You must take every step to recover legal costs that we have to pay and you must pay us any legal costs that are recovered;
q) The lawyer will be appointed by us to represent you according to our standard terms of appointment.
Exclusions
We will not pay for:
a) Any incident which takes place in your home country unless it is in connection with the journey;
b) Any incident which happens as a result of you taking part in dangerous activities or manual labour;
c) Any legal action in connection with your employment;
d) Any legal consultation which is in respect of invoices unpaid by you;
e) Any legal action by you other than in your private capacity;
f) An action where you are claiming against another insured person or travelling companion;
g) Any action against us or any agents or a medical service provider;
h) Any legal action that we believe has no reasonable chance of success or where the estimated recovery is less than £75;
i) Any legal costs that you pay or agree to pay before we accept your claim;
j) Legal costs incurred on the contingency that your action is successful;
k) Any legal costs where there is another insurance in force for the same cover;
l) Costs in excess of £50,000 where the same incident leads to claims for two or more of you;
m) Legal costs for any action taken in more than one country.

Section K - Loss of passport/driving licence
If you lose your passport/driving licence during a journey we will pay you up to £250 for reasonable extra travel and accommodation costs abroad while you arrange a replacement.
Exclusions
a) We will not pay for any claim unless you report the loss to the police or a British Consular Representative within 24 hours of discovery;
b) Any destruction, loss or theft that occurred before the start of your journey;
c) The cost of replacing your passport/driving licence.

Section K - Loss of passport/driving licence
If you lose your passport/driving licence during a journey we will pay you up to £250 for reasonable extra travel and accommodation costs abroad while you arrange a replacement.
Exclusions
a) We will not pay for any claim unless you report the loss to the police or a British Consular Representative within 24 hours of discovery;
b) Any destruction, loss or theft that occurred before the start of your journey;
c) The cost of replacing your passport/driving licence.

Section D - Emergency medical and travel expenses abroad
Reciprocal Health Agreement and European Health Insurance Card (EHIC)
The department of health needs to make sure that UK travellers in Europe now carry the new European Health Insurance Card (EHIC), which has recently replaced the E111. This will provide you with cheaper or free state-provided medical treatment in most European countries. For more information or to apply for your free EHIC visit www.dh.gov.k/travellers or you can also phone 0845 606 2030 or pick up an application form from your nearest post office.
This section allows you to receive essential emergency treatment if you fall ill or are injured in an accident while you are abroad. You can then either continue with your journey or, if medically necessary, be taken back to your home in your home country for further medical treatment. If you need more than simple out-patient treatment of the sort that you can pay for locally, you should call the Assistance Service for help and advice. Please beware of excessive treatment charges and note this is not private health insurance. If you are in any doubt please call us for advice.
The telephone numbers for the Assistance Service are listed on page 15 of this booklet.
You must tell the Assistance Service immediately if you are likely to be admitted to hospital for any reason. Many hospitals will not begin treatment until the costs have been guaranteed. If your condition is serious we will bring you home to your home country as soon as our medical advisor/s consider that you are fit enough to travel safely.
- If your health changes during the period of insurance you must tell us before making any new travel arrangements to make sure that you are fully covered.
We will pay costs up to £5,000,000 per insured person for continuous medical and travel expenses incurred abroad as a result of you becoming ill or injured. We will pay for the following costs:
1) Usual, reasonable and necessary emergency treatment for medical and travel expenses (including emergency dental treatment to relieve immediate pain);
2) Returning you to your home country;

Settling your claim
For each item of your personal possessions that is lost or damaged during your journey, we will, at our option:
a) pay the cost of replacing the item or part of a set as new; or
b) replace the item or part of a set as new; or
c) pay the cost of repairing the item or part of a set; or
d) make a cash payment to you.
We will decide which of the above options is most suitable. We will not pay the cost of replacing any other pieces that form part of a set.
Wear and tear
We will take an amount from any claim we pay for wear and tear. This applies to claims involving:
a) clothing (including sports clothing); and
b) any item or part which is not replaced or repaired.

Section A - Personal possessions
This section covers your baggage against loss, theft, breakage or damage whilst you are away from home. There are limits in this section that may not be enough for expensive items such as jewellery and photographic or video equipment. However you can usually insure these items separately under the All Risks extension of your home insurance.
Be aware!
You must take care to look after your personal possessions, in particular your valuables and your personal money.
- Your valuables should be kept on your person, or secured in baggage which stays with you at all times (not in suitcases to be checked in).
- Alternatively, they should be left in your locked personal accommodation, a locked safety box or a locked safe.
- Your valuables or personal money should never be left on a beach, or under a towel or sunbed, no matter how well hidden.
- Your valuables should not be left in an unattended pushchair or buggy or in unattended coats or jackets. If these may be taken from you, for example, in a restaurant, you should first remove items of value.
- If you do not take reasonable precautions to protect your property, we may not pay your claim.
We will pay you up to £1,000 per insured person in respect of your personal possessions if they are damaged, lost, stolen or destroyed while on your journey.
- The single item limit for personal possessions - £250;
- The total limit for all your valuables is - £250.
Conditions
a) You must follow the carriers conditions of carriage;
b) You must not abandon any property to us.
Exclusions
We will not pay for loss, theft, breakage or damage to:
a) Valuables carried in suitcases, or other luggage unless they are with you at all times;
b) Valuables, which are not with you or locked in your personal accommodation or stored in a locked safety deposit box or locked safe;
c) Valuables left in an unattended motor vehicle;
d) Personal possessions that you have left unattended unless they are locked in your personal accommodation or the secure area of a motor vehicle, and there is evidence of someone using force and violence to break in;
e) Films, tapes, cassettes, cartridges or discs that you have used or recorded on other than their value as unused material when we will pay up to the makers latest list price;
f) Perishable goods, bottles or cartons and their contents or any damage caused by these items;

Section F - Cancellation or curtailment of a journey
The purpose of this section is to cover any expenses that you may incur as a result of you having to cancel, amend or curtail your journey because of hospitalisation or for compassionate or other reasons as detailed below.
If you need to curtail or amend your journey or expect to have to extend your stay because of illness or injury you must inform our Assistance Service immediately and before any travel or treatment arrangements are made.
Should you not be able to travel as planned or have to curtail (cut short by early return to your home after commencement of the journey) as a result of any of the following events during the period of insurance:
Your death or serious injury or illness or that of:
- A member of your immediate family;
- A companion upon whom your travel depends.
We will pay;
Part One - Before You Travel
Amended Departure
If you elect to amend your departure date, we will pay you up to £1,500 for any administration charges incurred to amend the original transport ticket to the new departure date and to amend any pre-booked accommodation that may have been arranged providing the delay does not exceed one month and in our opinion you are medically fit to travel.
Cancellation
If you elect to cancel your journey, and not delay the departure date, we will pay you up to £5,000 for your personal accommodation or transport charges paid or contracted to be paid.
Part Two - While You Are Away
Curtailment
We will pay you up to £5,000 for the loss of personal accommodation or transport charges paid or contracted to be paid by you should you have to curtail your journey.
We will also pay up to £500 for additional transport costs should it be necessary for you to interrupt your journey and return home in order to retake examinations necessary to obtain entrance to university and then return to your journey destination to continue your trip.
Conditions
a) Observing any special conditions that may arise of any medical assessment required by us;
b) Not travelling against medical advice, or being on a hospital in patient waiting list or specifically to get or receive medical treatment;
c) Anyone upon whom the journey plans depend, not being diagnosed with a terminal illness before the issue of this policy;
d) While on a journey, immediately advising the Assistance Service of any event which may result in curtailment, giving full details;
e) Accepting our decisions concerning the most suitable, practical and reasonable solution to the problem.
Exclusions
We will not pay for any claim that is the result of:
a) You not having the correct passport or visa;
b) The actions or failure of any transport or accommodation provider or their agent or any person acting as your agent or your conference organiser;
c) You not wanting to travel or your loss of enjoyment of the journey;
d) Any claim arising directly or indirectly from pregnancy during the two months immediately before your estimated date of delivery and the first seven days after giving birth;
e) Any additional costs of returning to and/or subsequently returning from your journey destination or other replacement travel and/or accommodation arrangements following curtailment;
f) Any additional travel and accommodation expenses incurred without the consent of our Assistance Service;
g) Any incident where you do not have a medical certification from the doctor treating you abroad which says that you need to return home early.
Excess
An excess will be applied to each person claiming and to each claim. Please see your policy schedule confirmation.

Section J - Delayed or missed departure
Part One - If your departure is delayed
If the transport you have checked in for is delayed at its departure point by at least 12 hours from the time shown in your travel itinerary we will pay you:
a) £20 for the first 12 hours delay and £20 for every following 12 hours delay (up to a maximum of £200) per insured person.
Part Two - If you miss your departure
We will pay you up to £600 per insured person for extra and necessary accommodation (room only) and transport charges which are necessary if you arrive at your departure point too late to board your booked transport and this is because:
a) The public transport scheduled services are not running to timetable; or
b) The private car which is taking you to your departure point is involved in an accident or breaks down.
Exclusions
We will not pay for any claim:
a) Which is a result of your failure to check-in at the departure point as instructed in your travel itinerary;
b) Unless you have written confirmation from the carrier or their agents showing the scheduled and the actual departure times for your journey;
c) If your delay in getting to the departure point was caused by industrial action which started or was announced before you took out the insurance;
d) For public transport scheduled services as a result of industrial action which starts or was announced before the date you left your home and prevents you reaching your departure point; or
e) If your private car is not fully road worthy and it breaks down on your way to your departure point.

Section J - Delayed or missed departure
Part One - If your departure is delayed
If the transport you have checked in for is delayed at its departure point by at least 12 hours from the time shown in your travel itinerary we will pay you:
a) £20 for the first 12 hours delay and £20 for every following 12 hours delay (up to a maximum of £200) per insured person.
Part Two - If you miss your departure
We will pay you up to £600 per insured person for extra and necessary accommodation (room only) and transport charges which are necessary if you arrive at your departure point too late to board your booked transport and this is because:
a) The public transport scheduled services are not running to timetable; or
b) The private car which is taking you to your departure point is involved in an accident or breaks down.
Exclusions
We will not pay for any claim:
a) Which is a result of your failure to check-in at the departure point as instructed in your travel itinerary;
b) Unless you have written confirmation from the carrier or their agents showing the scheduled and the actual departure times for your journey;
c) If your delay in getting to the departure point was caused by industrial action which started or was announced before you took out the insurance;
d) For public transport scheduled services as a result of industrial action which starts or was announced before the date you left your home and prevents you reaching your departure point; or
e) If your private car is not fully road worthy and it breaks down on your way to your departure point.

Section F - Cancellation or curtailment of a journey
The purpose of this section is to cover any expenses that you may incur as a result of you having to cancel, amend or curtail your journey because of hospitalisation or for compassionate or other reasons as detailed below.
If you need to curtail or amend your journey or expect to have to extend your stay because of illness or injury you must inform our Assistance Service immediately and before any travel or treatment arrangements are made.
Should you not be able to travel as planned or have to curtail (cut short by early return to your home after commencement of the journey) as a result of any of the following events during the period of insurance:
Your death or serious injury or illness or that of:
- A member of your immediate family;
- A companion upon whom your travel depends.
We will pay;
Part One - Before You Travel
Amended Departure
If you elect to amend your departure date, we will pay you up to £1,500 for any administration charges incurred to amend the original transport ticket to the new departure date and to amend any pre-booked accommodation that may have been arranged providing the delay does not exceed one month and in our opinion you are medically fit to travel.
Cancellation
If you elect to cancel your journey, and not delay the departure date, we will pay you up to £5,000 for your personal accommodation or transport charges paid or contracted to be paid.
Part Two - While You Are Away
Curtailment
We will pay you up to £5,000 for the loss of personal accommodation or transport charges paid or contracted to be paid by you should you have to curtail your journey.
We will also pay up to £500 for additional transport costs should it be necessary for you to interrupt your journey and return home in order to retake examinations necessary to obtain entrance to university and then return to your journey destination to continue your trip.
Conditions
a) Observing any special conditions that may arise of any medical assessment required by us;
b) Not travelling against medical advice, or being on a hospital in patient waiting list or specifically to get or receive medical treatment;
c) Anyone upon whom the journey plans depend, not being diagnosed with a terminal illness before the issue of this policy;
d) While on a journey, immediately advising the Assistance Service of any event which may result in curtailment, giving full details;
e) Accepting our decisions concerning the most suitable, practical and reasonable solution to the problem.
Exclusions
We will not pay for any claim that is the result of:
a) You not having the correct passport or visa;
b) The actions or failure of any transport or accommodation provider or their agent or any person acting as your agent or your conference organiser;
c) You not wanting to travel or your loss of enjoyment of the journey;
d) Any claim arising directly or indirectly from pregnancy during the two months immediately before your estimated date of delivery and the first seven days after giving birth;
e) Any additional costs of returning to and/or subsequently returning from your journey destination or other replacement travel and/or accommodation arrangements following curtailment;
f) Any additional travel and accommodation expenses incurred without the consent of our Assistance Service;
g) Any incident where you do not have a medical certification from the doctor treating you abroad which says that you need to return home early.
Excess
An excess will be applied to each person claiming and to each claim. Please see your policy schedule confirmation.

Section I - Personal liability
If we agree in writing we will pay up to £2,000,000 that you are legally responsible for as a result of an incident you have caused during a journey that leads to:
1) Death or physical injury to any person.
2) Accidental loss or damage to property that:
- does not belong to you or your immediate family; or
- is not in the charge or control of you or your immediate family.
3) Accidental loss or damage to your temporary journey accommodation that does not belong to you or any member of your immediate family.
Exclusions
We will not pay for claims resulting from:
a) Your deliberate actions or failure to act;
b) Your employment, profession or business or that of your immediate family;
c) An agreement unless that liability would have existed without that agreement;
d) Your owning, handling or looking after any animal;
e) Claims made by your immediate family or an employee of you or your immediate family, another insured person or travelling companion;
f) You acting as a leader of a group taking part in any activity;
g) You occupying any land or buildings other than your temporary journey accommodation;
h) You owning or using any aircraft or a horse-drawn, waterborne, motorised, mechanically propelled vehicles or towed vehicle or of any firearm;
i) Any costs that we have not agreed in writing.
Excess
An excess will be applied to each person claiming and to each claim. Please see your policy schedule confirmation.

NatWest Travel Insurance assistance helplines
You have access to the following services 24 hours a day all year round by calling your service provider.
Pre-travel - phone Inter Group on 01252 745710
You are covered before departure, to call for travel information relating to:
1. Customs regulations.
2. Currency limits & rules.
3. Banking procedures and hours.
4. Health, inoculation requirements, epidemics, availability of specified medicines.
5. Visa requirements and procedures.

Insured pursuits Means sporting activity covered as part of your journey, namely:
Abseiling, Baseball, Bungee Jump (just one), Camel/Elephant/Horse Trekking, Cricket, Cycling (excluding Mountain cycling), Deep sea fishing, Fell Walking, Football, Golf, Hockey, Hot-air Ballooning (organised excursion), Jet Skiing*, Motor Cycling (up to 125cc)*, Quad-Biking (up to 250cc)*, Racquet Sports, Rambling, Roller skating/boarding, Safaris (organised), Scuba Diving (to 18 metres), Skate Boarding, Trekking (*up to 5,449 metres), Volleyball and:
On inland waters or within a 12 mile limit Boating, Canoeing**, Dinghy Sailing, Kayaking**, Parascending (towed by boat), Rafting**, Rowing, Sailing, Snorkelling, Surfing, Swimming, Water skiing.
*liability is excluded
**Including White Water up to Grade 3

General conditions and exclusions
These apply to all sections of the policy. There are also additional conditions and exclusions that apply to individual sections of the policy.
2. Exclusions
a) We will not pay for any loss under this policy in connection with or caused in any way by:
1) War or hostilities, acts of terrorism, civil unrest or travel to a destination where the Foreign and Commonwealth Office has advised against all travel. This exclusion shall not apply in respect of cancellation and curtailment claims submitted following Foreign and Commonwealth Office advice against all travel to your intended destination;
2) The legal action of Customs or any government officials or authorities of any country;
3) Ionising radiation or radioactive contamination caused by nuclear fuel or waste or the radioactive, toxic, explosive or other dangerous properties of any explosive nuclear equipment;
4) You committing suicide, deliberately injuring yourself, making yourself ill, or putting yourself in needless danger, sexually transmitted diseases, insanity, alcohol or drug related incidents or solvent abuse;
5) Your duties as a member of the Armed Forces;
6) A criminal or dishonest act by you;
7) You travelling in an aircraft (other than as a fare paying passenger in a fully licensed passenger carrying aircraft);
8) Your employment or professional activity other than temporary casual work;
9) Psychiatric illness or mental or nervous disorders, including stress and stress related conditions, unless the condition has been investigated and diagnosed by a consultant who is a member of the Royal College of Psychiatrists and is recognised by the Royal College as being a consultant, unless the condition has been disclosed to and accepted by us in writing.
b) We will not pay for:
1) Any consequential loss unless specifically mentioned in this policy;
2) Any loss due to currency exchanges;
3) Any loss or damage more specifically insured by another policy;
4) Your expenses in providing any certificates, information and evidence which we may need. However, if you are claiming for physical injury or illness, we may ask for and will pay for you to have a medical examination. We may also ask for and pay for a post-mortem examination if any insured person dies.

2. Exclusions
a) We will not pay for any loss under this policy in connection with or caused in any way by:
1) War or hostilities, acts of terrorism, civil unrest or travel to a destination where the Foreign and Commonwealth Office has advised against all travel. This exclusion shall not apply in respect of cancellation and curtailment claims submitted following Foreign and Commonwealth Office advice against all travel to your intended destination;

2. Exclusions
a) We will not pay for any loss under this policy in connection with or caused in any way by:
1) War or hostilities, acts of terrorism, civil unrest or travel to a destination where the Foreign and Commonwealth Office has advised against "all travel". This exclusion shall not apply in respect of cancellation and curtailment claims submitted following Foreign and Commonwealth Office advice against "all travel" to your intended destination;

General conditions and exclusions
These apply to all sections of the policy. There are also additional conditions and exclusions that apply to individual sections of the policy.
1.Conditions
a) We will not pay any claims under this policy, unless you meet the following conditions:
1) You are a resident of the UK or the Channel Islands and aged 54 or less at the start date of this policy;
2) You do all that you reasonably can to avoid accidents, injury, loss or damage;
3) You tell the police or the carrier, as soon as reasonably possible about any incident that may lead to a claim under this policy. For losses under sections A, C and K, of this policy you must report to us full details of the incident within 24 hours;
4) You must tell us about any claim within 2 months of the incident;
5) You must pass on to us immediately every writ, summons and any other document you receive in connection with a claim;
6) You must give us all the information, documents and help that we need at your expense. This includes medical certificates and details of your Household Insurance and any other insurance policy that may cover a claim under this policy;
7) You must not admit liability, offer or promise to pay anyone without our written permission;
8) You must travel only to the geographical regions shown in your policy schedule;
9) You must not take part in any dangerous activities or manual labour;
10) You must inform us of all material facts, failure to do so could affect the protection of your cover and any claim made under this policy.
b) We have the right to:
1) Reject any claim which is in any way connected with a pre-existing medical condition that:
i) you or your immediate family suffer from; or
ii) you did not tell us about; or
iii) cover for it was not agreed in writing by us.
2) Reject any claim that is in any way fraudulent. If this happens we will cancel your policy and have no liability to pay claims;
3) Take over and defend or settle in your name any claim made under this policy;
4) Take legal action in your name but at our expense to recover any payment we have made under this policy;
5) Cancel all benefits under this policy for a journey if we have made a payment under section F for that journey;
6) Retain your premium unless you return this policy to us within 14 days of receiving it.
At that time we will refund your premium only if:
i) we receive the returned policy before the departure date of your first journey; and
ii) you have not made a claim.
7) Cancel the cover from the start of this policy if you do not pay the premium;
8) Ask you to pay an extra premium, add special conditions to this policy or exclude cover for a medical condition if your health changes during the period of insurance;
9) Use your unused travel tickets if you cancel your journey or return home early;
10) Charge an administration fee in the event of you wishing to cancel this policy midterm. A refund of premium will be considered on a pro rata basis.