NatWest Single Trip Travel

Pre-existing medical condition means:
An on-going medical condition, for which you may or may not be taking medication, or any medical complication directly attributable to that condition, investigated by a registered medical practitioner, or
A medical condition for which there has been prescribed medication or treatment by a registered medical practitioner during the 30 days immediately preceding the date of application for this insurance.
If you wish to be considered for cover with respect to a condition currently excluded by the clause above, you must telephone the Natwest Travel Insurance Helpline on 0800 051 5051. You may be sent a medical questionnaire for your own medical practitioner to complete and return to us. You will be notified of our decision and sent confirmation of the inclusion of your condition under the insurance if appropriate.
We reserve the right not to extend this insurance.

Section D - Emergency medical and travel expenses abroad
This section is included automatically where you have purchased this insurance in your local bank branch. Otherwise, the section applies if it is shown on your policy schedule and the relevant premium has been paid.
For trips in your home country during the period of insurance this section does not apply.
Reciprocal Health Agreements If you are travelling to a European Union Country which is listed on the back of the E111 form, which is available at the Post Office, you will be entitled to treatment from the equivalent of the National Health Service in the country you are visiting.
This section allows you to receive essential emergency medical 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 14 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 experts 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 £10,000,000 per insured person for continuous medical and travel expenses incurred abroad that are necessary as a result of you becoming ill or injured. We will pay the following costs:
1) Usual, reasonable and necessary emergency expenses for medical and travel expenses (including emergency dental treatment to relieve immediate pain);
2) Returning you to your home;
3) Economy travel and accommodation expenses of up to £2000, (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 must not have been 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 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 believe 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 of £35 will be applied to each person claiming and to each claim under this section. The excess will not apply for outpatient treatment claims.

Section H - Personal Accident
This section is included automatically where you have purchased this insurance in your local bank branch.Otherwise, the section applies if it is shown on your policy schedule and the relevant premium has been paid.
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.
- Benefit 2.
£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 event;
b) More than £1,500 under Benefit 1 if you are under 16 or over 74 years at the time of the accident;
c) Any compensation under Benefit 2 when your age is 74 or over on the departure date of the journey.

Section C Personal money
This section is included automatically where you have purchased this insurance in your local bank branch. Otherwise, the section applies if it is shown on your policy schedule and the relevant premium has been paid.
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.
- 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 of £35 will be applied to each person claiming and to each claim under this section.

Section C Personal money
This section is included automatically where you have purchased this insurance in your local bank branch. Otherwise, the section applies if it is shown on your policy schedule and the relevant premium has been paid.
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.

Section L - Legal assistance
This section is included automatically where you have purchased this insurance in your local bank
branch. Otherwise, the section applies if it is shown on your policy schedule and the relevant
premium has been paid.
Part One - Legal advice phone 0845 246 0427
You can call the Legal Advice line for practical legal advise 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 chose 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 an 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 an appointed 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 appointed 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 appointed 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 cover
This section is included automatically where you have purchased this insurance in your local bank branch. Otherwise, the section applies if it is shown on your policy schedule and the relevant premium has been paid.
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 cover
This section is included automatically where you have purchased this insurance in your local bank branch. Otherwise, the section applies if it is shown on your policy schedule and the relevant premium has been paid.
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 M - Winter Sports
The section only applies if it is shown on your policy schedule and the relevant premium has been paid.
It covers you for:
- On-piste snowboarding, skiing, snow-cat skiing, mono skiing, ski-bobbing;
- Ice-skating, curling;
- Bob-sleighing, luge, tobogganing and snow-mobiling;
- Cross-country skiing on locally recognised tracks; and
- Off-piste skiing and snowboarding, with a qualified instructor.
Part One - equipment
We will pay you up to £500 for your winter sports equipment if it is damaged, lost or stolen on your journey The most we will pay for a single item,pair or set is £250
Conditions
a) You must get a property irregularity report (PIR) from the carrier if your winter sports equipment is damaged during the journey;
b) If your winters sports equipment is lost or stolen,you must report it to the police within 24 hours and get a police report.
Exclusions
We will not pay for loss, theft, breakage or damage to winter sports equipment that is:
a) left unattended unless it is in a recognised secure place or in the secure area of a motor vehicle which someone has broken into; or
b) more than 5 years old.
Wear and Tear
We will take an amount from any claim we pay to allow for wear and tear to the winter sports equipment.
Excess
(Part One only) An excess of £35 will be applied to each person claiming and to each claim.
Part Two - essential replacement items
We will pay you up to £25 per day to a maximum of £300 for equipment that you reasonably need to hire following accidental damage to your own equipment. This includes where you have to wait for more than 12 hours because your winter sports equipment has been lost or delayed during your journey.
Condition
- Receipts must be provided.
Part Three - Loss of pass and fees
We will pay up to £250 per insured person for the unused part of passes, hire or tuition fees for which you cannot get a refund if:
- Accident or sickness totally prevents you from continuing your journey;
- Your pass is lost or stolen; or
- The resort closes completely and you cannot travel to another ski area.
Part Four - If the piste closes
We will pay you up to £20 per day to a maximum of £200 per insured person to travel to another resort and pay for another ski pass if the piste and all the ski-lifts in your resort close for more than 24 hours.
Exclusions
We will not pay any claim for piste closure if you took out this insurance less than 14 days before your departure, or if you do not travel to an alternative resort after the piste closes.
Part Five - If your departure from the resort is delayed
We will pay you £20 per day to a maximum of £200 for reasonable accommodation and food if your departure is delayed because transport cannot reach you in bad weather. If you cannot change your return travel tickets to your home country and have to buy others, we will pay up to £200 for your alternative return transport to your home country.
Exclusions (for part one to five)
We will not pay:
a) Any claim made outside the recognised skiing season in the ski resort where the loss takes place;
b) Any claim unless you booked your holiday before you left your home country;

Section M - Winter Sports
The section only applies if it is shown on your policy schedule and the relevant premium has been paid.
It covers you for:
- On-piste snowboarding, skiing, snow-cat skiing, mono skiing, ski-bobbing;
- Ice-skating, curling;
- Bob-sleighing, luge, tobogganing and snow-mobiling;
- Cross-country skiing on locally recognised tracks; and
- Off-piste skiing and snowboarding, with a qualified instructor.
Part One - equipment
We will pay you up to £500 for your winter sports equipment if it is damaged, lost or stolen on your journey The most we will pay for a single item,pair or set is £250
Conditions
a) You must get a property irregularity report (PIR) from the carrier if your winter sports equipment is damaged during the journey;
b) If your winters sports equipment is lost or stolen,you must report it to the police within 24 hours and get a police report.
Exclusions
We will not pay for loss, theft, breakage or damage to winter sports equipment that is:
a) left unattended unless it is in a recognised secure place or in the secure area of a motor vehicle which someone has broken into; or
b) more than 5 years old.
Wear and Tear
We will take an amount from any claim we pay to allow for wear and tear to the winter sports equipment.
Excess
(Part One only) An excess of £35 will be applied to each person claiming and to each claim.
Part Two - essential replacement items
We will pay you up to £25 per day to a maximum of £300 for equipment that you reasonably need to hire following accidental damage to your own equipment. This includes where you have to wait for more than 12 hours because your winter sports equipment has been lost or delayed during your journey.
Condition
- Receipts must be provided.
Part Three - Loss of pass and fees
We will pay up to £250 per insured person for the unused part of passes, hire or tuition fees for which you cannot get a refund if:
- Accident or sickness totally prevents you from continuing your journey;
- Your pass is lost or stolen; or
- The resort closes completely and you cannot travel to another ski area.
Part Four - If the piste closes
We will pay you up to £20 per day to a maximum of £200 per insured person to travel to another resort and pay for another ski pass if the piste and all the ski-lifts in your resort close for more than 24 hours.
Exclusions
We will not pay any claim for piste closure if you took out this insurance less than 14 days before your departure, or if you do not travel to an alternative resort after the piste closes.
Part Five - If your departure from the resort is delayed
We will pay you £20 per day to a maximum of £200 for reasonable accommodation and food if your departure is delayed because transport cannot reach you in bad weather. If you cannot change your return travel tickets to your home country and have to buy others, we will pay up to £200 for your alternative return transport to your home country.
Exclusions (for part one to five)
We will not pay:
a) Any claim made outside the recognised skiing season in the ski resort where the loss takes place;
b) Any claim unless you booked your holiday before you left your home country;

Section M - Winter Sports
The section only applies if it is shown on your policy schedule and the relevant premium has been paid.
It covers you for:
- On-piste snowboarding, skiing, snow-cat skiing, mono skiing, ski-bobbing;
- Ice-skating, curling;
- Bob-sleighing, luge, tobogganing and snow-mobiling;
- Cross-country skiing on locally recognised tracks; and
- Off-piste skiing and snowboarding, with a qualified instructor.
Part One - equipment
We will pay you up to £500 for your winter sports equipment if it is damaged, lost or stolen on your journey The most we will pay for a single item,pair or set is £250
Conditions
a) You must get a property irregularity report (PIR) from the carrier if your winter sports equipment is damaged during the journey;
b) If your winters sports equipment is lost or stolen,you must report it to the police within 24 hours and get a police report.
Exclusions
We will not pay for loss, theft, breakage or damage to winter sports equipment that is:
a) left unattended unless it is in a recognised secure place or in the secure area of a motor vehicle which someone has broken into; or
b) more than 5 years old.
Wear and Tear
We will take an amount from any claim we pay to allow for wear and tear to the winter sports equipment.
Excess
(Part One only) An excess of £35 will be applied to each person claiming and to each claim.
Part Two - essential replacement items
We will pay you up to £25 per day to a maximum of £300 for equipment that you reasonably need to hire following accidental damage to your own equipment. This includes where you have to wait for more than 12 hours because your winter sports equipment has been lost or delayed during your journey.
Condition
- Receipts must be provided.
Part Three - Loss of pass and fees
We will pay up to £250 per insured person for the unused part of passes, hire or tuition fees for which you cannot get a refund if:
- Accident or sickness totally prevents you from continuing your journey;
- Your pass is lost or stolen; or
- The resort closes completely and you cannot travel to another ski area.
Part Four - If the piste closes
We will pay you up to £20 per day to a maximum of £200 per insured person to travel to another resort and pay for another ski pass if the piste and all the ski-lifts in your resort close for more than 24 hours.
Exclusions
We will not pay any claim for piste closure if you took out this insurance less than 14 days before your departure, or if you do not travel to an alternative resort after the piste closes.
Part Five - If your departure from the resort is delayed
We will pay you £20 per day to a maximum of £200 for reasonable accommodation and food if your departure is delayed because transport cannot reach you in bad weather. If you cannot change your return travel tickets to your home country and have to buy others, we will pay up to £200 for your alternative return transport to your home country.
Exclusions (for part one to five)
We will not pay:
a) Any claim made outside the recognised skiing season in the ski resort where the loss takes place;
b) Any claim unless you booked your holiday before you left your home country;

Section M - Winter Sports
The section only applies if it is shown on your policy schedule and the relevant premium has been paid.
It covers you for:
- On-piste snowboarding, skiing, snow-cat skiing, mono skiing, ski-bobbing;
- Ice-skating, curling;
- Bob-sleighing, luge, tobogganing and snow-mobiling;
- Cross-country skiing on locally recognised tracks; and
- Off-piste skiing and snowboarding, with a qualified instructor.
Part One - equipment
We will pay you up to £500 for your winter sports equipment if it is damaged, lost or stolen on your journey The most we will pay for a single item,pair or set is £250
Conditions
a) You must get a property irregularity report (PIR) from the carrier if your winter sports equipment is damaged during the journey;
b) If your winters sports equipment is lost or stolen,you must report it to the police within 24 hours and get a police report.
Exclusions
We will not pay for loss, theft, breakage or damage to winter sports equipment that is:
a) left unattended unless it is in a recognised secure place or in the secure area of a motor vehicle which someone has broken into; or
b) more than 5 years old.
Wear and Tear
We will take an amount from any claim we pay to allow for wear and tear to the winter sports equipment.
Excess
(Part One only) An excess of £35 will be applied to each person claiming and to each claim.
Part Two - essential replacement items
We will pay you up to £25 per day to a maximum of £300 for equipment that you reasonably need to hire following accidental damage to your own equipment. This includes where you have to wait for more than 12 hours because your winter sports equipment has been lost or delayed during your journey.
Condition
- Receipts must be provided.
Part Three - Loss of pass and fees
We will pay up to £250 per insured person for the unused part of passes, hire or tuition fees for which you cannot get a refund if:
- Accident or sickness totally prevents you from continuing your journey;
- Your pass is lost or stolen; or
- The resort closes completely and you cannot travel to another ski area.
Part Four - If the piste closes
We will pay you up to £20 per day to a maximum of £200 per insured person to travel to another resort and pay for another ski pass if the piste and all the ski-lifts in your resort close for more than 24 hours.
Exclusions
We will not pay any claim for piste closure if you took out this insurance less than 14 days before your departure, or if you do not travel to an alternative resort after the piste closes.
Part Five - If your departure from the resort is delayed
We will pay you £20 per day to a maximum of £200 for reasonable accommodation and food if your departure is delayed because transport cannot reach you in bad weather. If you cannot change your return travel tickets to your home country and have to buy others, we will pay up to £200 for your alternative return transport to your home country.
Exclusions (for part one to five)
We will not pay:
a) Any claim made outside the recognised skiing season in the ski resort where the loss takes place;
b) Any claim unless you booked your holiday before you left your home country;

Section M - Winter Sports
The section only applies if it is shown on your policy schedule and the relevant premium has been paid.
It covers you for:
- On-piste snowboarding, skiing, snow-cat skiing, mono skiing, ski-bobbing;
- Ice-skating, curling;
- Bob-sleighing, luge, tobogganing and snow-mobiling;
- Cross-country skiing on locally recognised tracks; and
- Off-piste skiing and snowboarding, with a qualified instructor.
Part One - equipment
We will pay you up to £500 for your winter sports equipment if it is damaged, lost or stolen on your journey The most we will pay for a single item,pair or set is £250
Conditions
a) You must get a property irregularity report (PIR) from the carrier if your winter sports equipment is damaged during the journey;
b) If your winters sports equipment is lost or stolen,you must report it to the police within 24 hours and get a police report.
Exclusions
We will not pay for loss, theft, breakage or damage to winter sports equipment that is:
a) left unattended unless it is in a recognised secure place or in the secure area of a motor vehicle which someone has broken into; or
b) more than 5 years old.
Wear and Tear
We will take an amount from any claim we pay to allow for wear and tear to the winter sports equipment.
Excess
(Part One only) An excess of £35 will be applied to each person claiming and to each claim.
Part Two - essential replacement items
We will pay you up to £25 per day to a maximum of £300 for equipment that you reasonably need to hire following accidental damage to your own equipment. This includes where you have to wait for more than 12 hours because your winter sports equipment has been lost or delayed during your journey.
Condition
- Receipts must be provided.
Part Three - Loss of pass and fees
We will pay up to £250 per insured person for the unused part of passes, hire or tuition fees for which you cannot get a refund if:
- Accident or sickness totally prevents you from continuing your journey;
- Your pass is lost or stolen; or
- The resort closes completely and you cannot travel to another ski area.
Part Four - If the piste closes
We will pay you up to £20 per day to a maximum of £200 per insured person to travel to another resort and pay for another ski pass if the piste and all the ski-lifts in your resort close for more than 24 hours.
Exclusions
We will not pay any claim for piste closure if you took out this insurance less than 14 days before your departure, or if you do not travel to an alternative resort after the piste closes.
Part Five - If your departure from the resort is delayed
We will pay you £20 per day to a maximum of £200 for reasonable accommodation and food if your departure is delayed because transport cannot reach you in bad weather. If you cannot change your return travel tickets to your home country and have to buy others, we will pay up to £200 for your alternative return transport to your home country.
Exclusions (for part one to five)
We will not pay:
a) Any claim made outside the recognised skiing season in the ski resort where the loss takes place;
b) Any claim unless you booked your holiday before you left your home country;

Section M - Winter Sports
The section only applies if it is shown on your policy schedule and the relevant premium has been paid.
It covers you for:
- On-piste snowboarding, skiing, snow-cat skiing, mono skiing, ski-bobbing;
- Ice-skating, curling;
- Bob-sleighing, luge, tobogganing and snow-mobiling;
- Cross-country skiing on locally recognised tracks; and
- Off-piste skiing and snowboarding, with a qualified instructor.
Part One - equipment
We will pay you up to £500 for your winter sports equipment if it is damaged, lost or stolen on your journey The most we will pay for a single item,pair or set is £250
Conditions
a) You must get a property irregularity report (PIR) from the carrier if your winter sports equipment is damaged during the journey;
b) If your winters sports equipment is lost or stolen,you must report it to the police within 24 hours and get a police report.
Exclusions
We will not pay for loss, theft, breakage or damage to winter sports equipment that is:
a) left unattended unless it is in a recognised secure place or in the secure area of a motor vehicle which someone has broken into; or
b) more than 5 years old.
Wear and Tear
We will take an amount from any claim we pay to allow for wear and tear to the winter sports equipment.
Excess
(Part One only) An excess of £35 will be applied to each person claiming and to each claim.
Part Two - essential replacement items
We will pay you up to £25 per day to a maximum of £300 for equipment that you reasonably need to hire following accidental damage to your own equipment. This includes where you have to wait for more than 12 hours because your winter sports equipment has been lost or delayed during your journey.
Condition
- Receipts must be provided.
Part Three - Loss of pass and fees
We will pay up to £250 per insured person for the unused part of passes, hire or tuition fees for which you cannot get a refund if:
- Accident or sickness totally prevents you from continuing your journey;
- Your pass is lost or stolen; or
- The resort closes completely and you cannot travel to another ski area.
Part Four - If the piste closes
We will pay you up to £20 per day to a maximum of £200 per insured person to travel to another resort and pay for another ski pass if the piste and all the ski-lifts in your resort close for more than 24 hours.
Exclusions
We will not pay any claim for piste closure if you took out this insurance less than 14 days before your departure, or if you do not travel to an alternative resort after the piste closes.
Part Five - If your departure from the resort is delayed
We will pay you £20 per day to a maximum of £200 for reasonable accommodation and food if your departure is delayed because transport cannot reach you in bad weather. If you cannot change your return travel tickets to your home country and have to buy others, we will pay up to £200 for your alternative return transport to your home country.
Exclusions (for part one to five)
We will not pay:
a) Any claim made outside the recognised skiing season in the ski resort where the loss takes place;
b) Any claim unless you booked your holiday before you left your home country;

Section M - Winter Sports
The section only applies if it is shown on your policy schedule and the relevant premium has been paid.
It covers you for:
- On-piste snowboarding, skiing, snow-cat skiing, mono skiing, ski-bobbing;
- Ice-skating, curling;
- Bob-sleighing, luge, tobogganing and snow-mobiling;
- Cross-country skiing on locally recognised tracks; and
- Off-piste skiing and snowboarding, with a qualified instructor.
Part One - equipment
We will pay you up to £500 for your winter sports equipment if it is damaged, lost or stolen on your journey The most we will pay for a single item,pair or set is £250
Conditions
a) You must get a property irregularity report (PIR) from the carrier if your winter sports equipment is damaged during the journey;
b) If your winters sports equipment is lost or stolen,you must report it to the police within 24 hours and get a police report.
Exclusions
We will not pay for loss, theft, breakage or damage to winter sports equipment that is:
a) left unattended unless it is in a recognised secure place or in the secure area of a motor vehicle which someone has broken into; or
b) more than 5 years old.
Wear and Tear
We will take an amount from any claim we pay to allow for wear and tear to the winter sports equipment.
Excess
(Part One only) An excess of £35 will be applied to each person claiming and to each claim.
Part Two - essential replacement items
We will pay you up to £25 per day to a maximum of £300 for equipment that you reasonably need to hire following accidental damage to your own equipment. This includes where you have to wait for more than 12 hours because your winter sports equipment has been lost or delayed during your journey.
Condition
- Receipts must be provided.
Part Three - Loss of pass and fees
We will pay up to £250 per insured person for the unused part of passes, hire or tuition fees for which you cannot get a refund if:
- Accident or sickness totally prevents you from continuing your journey;
- Your pass is lost or stolen; or
- The resort closes completely and you cannot travel to another ski area.
Part Four - If the piste closes
We will pay you up to £20 per day to a maximum of £200 per insured person to travel to another resort and pay for another ski pass if the piste and all the ski-lifts in your resort close for more than 24 hours.
Exclusions
We will not pay any claim for piste closure if you took out this insurance less than 14 days before your departure, or if you do not travel to an alternative resort after the piste closes.
Part Five - If your departure from the resort is delayed
We will pay you £20 per day to a maximum of £200 for reasonable accommodation and food if your departure is delayed because transport cannot reach you in bad weather. If you cannot change your return travel tickets to your home country and have to buy others, we will pay up to £200 for your alternative return transport to your home country.
Exclusions (for part one to five)
We will not pay:
a) Any claim made outside the recognised skiing season in the ski resort where the loss takes place;
b) Any claim unless you booked your holiday before you left your home country;

Section M - Winter Sports
The section only applies if it is shown on your policy schedule and the relevant premium has been paid.
It covers you for:
- On-piste snowboarding, skiing, snow-cat skiing, mono skiing, ski-bobbing;
- Ice-skating, curling;
- Bob-sleighing, luge, tobogganing and snow-mobiling;
- Cross-country skiing on locally recognised tracks; and
- Off-piste skiing and snowboarding, with a qualified instructor.
Part One - equipment
We will pay you up to £500 for your winter sports equipment if it is damaged, lost or stolen on your journey The most we will pay for a single item,pair or set is £250
Conditions
a) You must get a property irregularity report (PIR) from the carrier if your winter sports equipment is damaged during the journey;
b) If your winters sports equipment is lost or stolen,you must report it to the police within 24 hours and get a police report.
Exclusions
We will not pay for loss, theft, breakage or damage to winter sports equipment that is:
a) left unattended unless it is in a recognised secure place or in the secure area of a motor vehicle which someone has broken into; or
b) more than 5 years old.
Wear and Tear
We will take an amount from any claim we pay to allow for wear and tear to the winter sports equipment.
Excess
(Part One only) An excess of £35 will be applied to each person claiming and to each claim.
Part Two - essential replacement items
We will pay you up to £25 per day to a maximum of £300 for equipment that you reasonably need to hire following accidental damage to your own equipment. This includes where you have to wait for more than 12 hours because your winter sports equipment has been lost or delayed during your journey.
Condition
- Receipts must be provided.
Part Three - Loss of pass and fees
We will pay up to £250 per insured person for the unused part of passes, hire or tuition fees for which you cannot get a refund if:
- Accident or sickness totally prevents you from continuing your journey;
- Your pass is lost or stolen; or
- The resort closes completely and you cannot travel to another ski area.
Part Four - If the piste closes
We will pay you up to £20 per day to a maximum of £200 per insured person to travel to another resort and pay for another ski pass if the piste and all the ski-lifts in your resort close for more than 24 hours.
Exclusions
We will not pay any claim for piste closure if you took out this insurance less than 14 days before your departure, or if you do not travel to an alternative resort after the piste closes.
Part Five - If your departure from the resort is delayed
We will pay you £20 per day to a maximum of £200 for reasonable accommodation and food if your departure is delayed because transport cannot reach you in bad weather. If you cannot change your return travel tickets to your home country and have to buy others, we will pay up to £200 for your alternative return transport to your home country.
Exclusions (for part one to five)
We will not pay:
a) Any claim made outside the recognised skiing season in the ski resort where the loss takes place;
b) Any claim unless you booked your holiday before you left your home country;

Section M - Winter Sports
The section only applies if it is shown on your policy schedule and the relevant premium has been paid.
It covers you for:
- On-piste snowboarding, skiing, snow-cat skiing, mono skiing, ski-bobbing;
- Ice-skating, curling;
- Bob-sleighing, luge, tobogganing and snow-mobiling;
- Cross-country skiing on locally recognised tracks; and
- Off-piste skiing and snowboarding, with a qualified instructor.
Part One - equipment
We will pay you up to £500 for your winter sports equipment if it is damaged, lost or stolen on your journey The most we will pay for a single item,pair or set is £250
Conditions
a) You must get a property irregularity report (PIR) from the carrier if your winter sports equipment is damaged during the journey;
b) If your winters sports equipment is lost or stolen,you must report it to the police within 24 hours and get a police report.
Exclusions
We will not pay for loss, theft, breakage or damage to winter sports equipment that is:
a) left unattended unless it is in a recognised secure place or in the secure area of a motor vehicle which someone has broken into; or
b) more than 5 years old.
Wear and Tear
We will take an amount from any claim we pay to allow for wear and tear to the winter sports equipment.
Excess
(Part One only) An excess of £35 will be applied to each person claiming and to each claim.
Part Two - essential replacement items
We will pay you up to £25 per day to a maximum of £300 for equipment that you reasonably need to hire following accidental damage to your own equipment. This includes where you have to wait for more than 12 hours because your winter sports equipment has been lost or delayed during your journey.
Condition
- Receipts must be provided.
Part Three - Loss of pass and fees
We will pay up to £250 per insured person for the unused part of passes, hire or tuition fees for which you cannot get a refund if:
- Accident or sickness totally prevents you from continuing your journey;
- Your pass is lost or stolen; or
- The resort closes completely and you cannot travel to another ski area.
Part Four - If the piste closes
We will pay you up to £20 per day to a maximum of £200 per insured person to travel to another resort and pay for another ski pass if the piste and all the ski-lifts in your resort close for more than 24 hours.
Exclusions
We will not pay any claim for piste closure if you took out this insurance less than 14 days before your departure, or if you do not travel to an alternative resort after the piste closes.
Part Five - If your departure from the resort is delayed
We will pay you £20 per day to a maximum of £200 for reasonable accommodation and food if your departure is delayed because transport cannot reach you in bad weather. If you cannot change your return travel tickets to your home country and have to buy others, we will pay up to £200 for your alternative return transport to your home country.
Exclusions (for part one to five)
We will not pay:
a) Any claim made outside the recognised skiing season in the ski resort where the loss takes place;
b) Any claim unless you booked your holiday before you left your home country;

Section M - Winter Sports
The section only applies if it is shown on your policy schedule and the relevant premium has been paid.
It covers you for:
- On-piste snowboarding, skiing, snow-cat skiing, mono skiing, ski-bobbing;
- Ice-skating, curling;
- Bob-sleighing, luge, tobogganing and snow-mobiling;
- Cross-country skiing on locally recognised tracks; and
- Off-piste skiing and snowboarding, with a qualified instructor.
Part One - equipment
We will pay you up to £500 for your winter sports equipment if it is damaged, lost or stolen on your journey The most we will pay for a single item,pair or set is £250
Conditions
a) You must get a property irregularity report (PIR) from the carrier if your winter sports equipment is damaged during the journey;
b) If your winters sports equipment is lost or stolen,you must report it to the police within 24 hours and get a police report.
Exclusions
We will not pay for loss, theft, breakage or damage to winter sports equipment that is:
a) left unattended unless it is in a recognised secure place or in the secure area of a motor vehicle which someone has broken into; or
b) more than 5 years old.
Wear and Tear
We will take an amount from any claim we pay to allow for wear and tear to the winter sports equipment.
Excess
(Part One only) An excess of £35 will be applied to each person claiming and to each claim.
Part Two - essential replacement items
We will pay you up to £25 per day to a maximum of £300 for equipment that you reasonably need to hire following accidental damage to your own equipment. This includes where you have to wait for more than 12 hours because your winter sports equipment has been lost or delayed during your journey.
Condition
- Receipts must be provided.
Part Three - Loss of pass and fees
We will pay up to £250 per insured person for the unused part of passes, hire or tuition fees for which you cannot get a refund if:
- Accident or sickness totally prevents you from continuing your journey;
- Your pass is lost or stolen; or
- The resort closes completely and you cannot travel to another ski area.
Part Four - If the piste closes
We will pay you up to £20 per day to a maximum of £200 per insured person to travel to another resort and pay for another ski pass if the piste and all the ski-lifts in your resort close for more than 24 hours.
Exclusions
We will not pay any claim for piste closure if you took out this insurance less than 14 days before your departure, or if you do not travel to an alternative resort after the piste closes.
Part Five - If your departure from the resort is delayed
We will pay you £20 per day to a maximum of £200 for reasonable accommodation and food if your departure is delayed because transport cannot reach you in bad weather. If you cannot change your return travel tickets to your home country and have to buy others, we will pay up to £200 for your alternative return transport to your home country.
Exclusions (for part one to five)
We will not pay:
a) Any claim made outside the recognised skiing season in the ski resort where the loss takes place;
b) Any claim unless you booked your holiday before you left your home country;

Section M - Winter Sports
The section only applies if it is shown on your policy schedule and the relevant premium has been paid.
It covers you for:
- On-piste snowboarding, skiing, snow-cat skiing, mono skiing, ski-bobbing;
- Ice-skating, curling;
- Bob-sleighing, luge, tobogganing and snow-mobiling;
- Cross-country skiing on locally recognised tracks; and
- Off-piste skiing and snowboarding, with a qualified instructor.
Part One - equipment
We will pay you up to £500 for your winter sports equipment if it is damaged, lost or stolen on your journey The most we will pay for a single item,pair or set is £250
Conditions
a) You must get a property irregularity report (PIR) from the carrier if your winter sports equipment is damaged during the journey;
b) If your winters sports equipment is lost or stolen,you must report it to the police within 24 hours and get a police report.
Exclusions
We will not pay for loss, theft, breakage or damage to winter sports equipment that is:
a) left unattended unless it is in a recognised secure place or in the secure area of a motor vehicle which someone has broken into; or
b) more than 5 years old.
Wear and Tear
We will take an amount from any claim we pay to allow for wear and tear to the winter sports equipment.
Excess
(Part One only) An excess of £35 will be applied to each person claiming and to each claim.
Part Two - essential replacement items
We will pay you up to £25 per day to a maximum of £300 for equipment that you reasonably need to hire following accidental damage to your own equipment. This includes where you have to wait for more than 12 hours because your winter sports equipment has been lost or delayed during your journey.
Condition
- Receipts must be provided.
Part Three - Loss of pass and fees
We will pay up to £250 per insured person for the unused part of passes, hire or tuition fees for which you cannot get a refund if:
- Accident or sickness totally prevents you from continuing your journey;
- Your pass is lost or stolen; or
- The resort closes completely and you cannot travel to another ski area.
Part Four - If the piste closes
We will pay you up to £20 per day to a maximum of £200 per insured person to travel to another resort and pay for another ski pass if the piste and all the ski-lifts in your resort close for more than 24 hours.
Exclusions
We will not pay any claim for piste closure if you took out this insurance less than 14 days before
Part Five - If your departure from the resort is delayed
We will pay you £20 per day to a maximum of £200 for reasonable accommodation and food if your departure is delayed because transport cannot reach you in bad weather. If you cannot change your return travel tickets to your home country and have to buy others, we will pay up to £200 for your alternative return transport to your home country.
Exclusions (for part one to five)
We will not pay:
a) Any claim made outside the recognised skiing season in the ski resort where the loss takes place;
b) Any claim unless you booked your holiday before you left 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.

Section A - Personal possessions
This section is included automatically where you have purchased this insurance in your local bank branch. Otherwise, the section only applies if it is shown on your policy schedule and you have paid the relevant premium.
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.
- They 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 a total of £1,500 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 valuables is - £250.
Conditions
a) You must keep your tickets and luggage tags and report any loss or theft within 24 hours, to the Police or to carriers if the loss or damage has happened during the journey. You must also get a Police report form or a carriers' property irregularity report form within 7 days;
b) You must follow the carriers' conditions of carriage;
c) 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 recorded on other than their value as unused material when we will pay up to the maker's latest list price;
f) Perishable goods, bottles or cartons and their contents or any damage caused by these items;
g) Property more specifically insured by another policy;
h) Contact or corneal lenses, dentures or hearing aids;
i) Personal possessions caused by wear and tear, loss of value or damage by moth, vermin or by any cleaning, repairing or restoring process;
j) Sports equipment and accessories whilst in use;
k) Anything shipped as freight;
l) Winter-sports equipment;
m) Cracked, scratched or broken glass (other than lenses in cameras, binoculars, telescopes or spectacles), china or similar fragile articles.
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.
Excess
An excess of £35 will be applied to each person claiming and to each claim under section A.
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),
b) any item or part which is not replaced or repaired.

Section B - Replacement of personal possessions in an emergency
This section is included automatically where you have purchased this insurance in your local bank branch. Otherwise, the section applies if it is shown on your policy schedule and the relevant premium has been paid.
We will pay you up to £100 for anything that you reasonably need to buy if you have to wait more than 12 hours for personal possessions that the carrier has temporarily lost on the way to your holiday destination.
Conditions
a) If your personal possessions are not found, we will take any amount we pay under this section from the amount we pay for your final claim for lost personal possessions under section A of this policy. We will need to see receipts for any replacement items that you buy.

Section F - Cancellation of a journey
This section is included automatically where you have purchased this insurance in your local bank branch. Otherwise, the section applies if it is on your policy schedule and the relevant premium has been paid.
IMPORTANT
Start and end date of cover
Cancellation cover starts on the date shown on your policy schedule and ends on the day you leave on that journey. However, this only applies as long as both the departure date and return date fall within the period of insurance.
If you have to cancel your journey we will pay you up to £5,000 for your personal accommodation and transport charges that you cannot get back from any other source. This includes up to £150 per insured person for excursion charges paid in advance in the UK.
This cover applies when you have to cancel your journey because of:
1) Your death or serious injury or illness or that of:
- a companion your travel depends on;
- a member of your family;
- a business partner resident in your home country;
- a person abroad in whose home you are intending to stay; or because
2) You or a companion your travel depends on are required:
- in your home country during the journey as a witness in a Court or for jury service and postponement has been denied by a court official; or
- by a relevant authority to stay home following a serious burglary, fire, storm or flood damage to your home or usual place of business in your home country occurring within 7 days prior to the commencement of the journey;
3) You being made redundant;
4) Your pet dog, cat or leisure horse requires emergency life-saving treatment as a result of an accident or illness within 7 days of the commencement of your journey;
5) As a member of the Armed Forces or the police, ambulance, fire or nursing service, you are required for unexpected emergency duty or are posted overseas at the time of your journey;
6) You decide to abandon your journey after a delay exceeding 12 hours from the specified time shown on your itinerary; or
7) The Foreign and Commonwealth office advises against "all travel" to your intended destination during the period of your journey.
8) After booking your journey, you discover that you are pregnant and the date of your return home will be within the two months before you are due to give birth.
If your flight is booked with Air Miles we will pay the cost of an equivalent flight which you must take within 3 months from the date of loss.
We will pay only those cancellation charges that would have applied at the time you first became aware of the need to cancel, if a valid claim exists.
Conditions
a) Neither you nor anyone else the journey depends on must have been diagnosed with a terminal illness before the journey was booked;
b) You must not be waiting for medical treatment as a hospital in-patient or day patient before booking any journey unless we know about it and have agreed in writing;
c) You must not book a journey if you have reason to believe it may be cancelled;
d) You must not book a journey if you are unemployed and are registered for work with the employment service;
e) You must provide us with a cancellation invoice, your unused tickets and proof of purchase.
Exclusions
We will not pay for claims caused by:
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 not enjoying the journey;
d) Redundancy of which you were aware of before you booked the journey.
Excess
An excess of £35 will be applied to each person claiming and to each claim under this section.
Where claiming for loss of deposit the excess will be £10.Excess do not apply to children when travelling with an insured adult.
Section G -Curtailment of a journey (cutting short)
This section is included automatically where you have purchased this insurance in your local branch. Otherwise, the section applies if it is shown on your policy schedule and the relevant premium has been paid.
This section covers your extra expenses if you have to cut short your journey because of a stay in hospital, or because a member of your family has fallen ill or died or for other compassionate reasons as detailed below.
If you need to cut short your journey or expect to have to extend your stay because of illness or injury you must tell the Assistance Service immediately and before you make any arrangements.
If you have to cut short your journey, we will pay you up to £5,000 for the loss of your personal accommodation, transport charges or any other travel expenses that you have already paid or have agreed to pay. This includes up to £150 per insured person excursion charges, paid in advance in your home country.
This cover applies when you have to cut short a journey because of:
1) Your death, serious injury or illness or that of:
- a companion your travel depends on;
- a member of your family;
- a business partner resident in your home country;
- a person abroad whose home you are intending to stay in; or because
2) You, or a companion your travel depend on are required:
- in your home country by a relevant authority following a serious burglary, fire, storm or flood damage to your home or usual place of business in your home country; or
- during your journey to attend a court of law as a witness or for jury service in your home country. A court official must have denied postponement of the jury service.
Conditions
a) You must not travel against medical advice or specifically to get medical treatment;
b) You or anyone the journey depends on must not have been diagnosed with a terminal illness before the journey was booked;
c) You must not book a journey if you know of any reason why you may have to cut it short;
d) You must give the Assistance Service your full details as soon as you know of any incident which may lead you to cut your journey short;
e)You must accept our decision about the most suitable,practical and reasonable solution to the problem;
f) You must advise us of any change to your health or circumstances during the period of insurance prior to any new travel arrangements being made.
Exclusions
We will not pay for any claim resulting from:
a) You not wanting to travel or not enjoying your journey;
b) Weather conditions at your journey destination;
c) Pregnancy during the two months immediately before your estimated date of delivery or seven days after giving birth;
d) Extra or unused travel or accommodation costs to your journey destination or home without the consent of the Assistance Service following the curtailment;
e) Any incident where you do not have a medical certificate from the doctor treating you abroad which says that you need to return home early.
Excess
An excess of £35 will be applied to each person claiming and to each claim under this section.

Section J - Delayed or missed departure
This section is included automatically where you have purchased this insurance in your local bank branch. Otherwise, the section applies if it is shown on your policy schedule and the relevant premium has been paid.
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; or
b) cancellation costs (section F) if after the first 12 hours delay, you decide to abandon the journey before leaving your home country.
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.
Excess
You will be required to pay an excess of £35 for each claim under Part One, section Two) of this section. Excesses do not apply to children when travelling with an insured adult.

Section J - Delayed or missed departure
This section is included automatically where you have purchased this insurance in your local bank branch. Otherwise, the section applies if it is shown on your policy schedule and the relevant premium has been paid.
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; or
b) cancellation costs (section F) if after the first 12 hours delay, you decide to abandon the journey before leaving your home country.
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.
Excess
You will be required to pay an excess of £35 for each claim under Part One, section Two) of this section. Excesses do not apply to children when travelling with an insured adult.

Section J - Delayed or missed departure
This section is included automatically where you have purchased this insurance in your local bank branch. Otherwise, the section applies if it is shown on your policy schedule and the relevant premium has been paid.
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; or
b) cancellation costs (section F) if after the first 12 hours delay, you decide to abandon the journey before leaving your home country.
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.
Excess
You will be required to pay an excess of £35 for each claim under Part One, section Two) of this section. Excesses do not apply to children when travelling with an insured adult.

Section I - Personal liability
This section is included automatically where you have purchased this insurance in your local bank branch. Otherwise, the section applies if it is shown on your policy schedule and the relevant premium has been paid.
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 family; or
- is not in the charge or control of you or a member of your family.
3. Accidental loss or damage to your temporary journey accommodation that does not belong to you or any member of your family.
Exclusions
We will not pay claims resulting from:
a) Your deliberate actions or failure to act;
b) Your employment, profession or business or that of a member of your 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 family or an employee of you or your 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 of £35 will be applied to each person claiming and to each claim under this section.

Pre-Travel - phone CEGA on 0845 246 0428
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.

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 participation in any winter sports activity unless you have selected the cover and paid the required premium;
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 it is specifically mentioned in this policy;
2) Any loss due to currency exchanges;
3) Any loss or damage more specifically insured by any other 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.

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;
2) You do all that is necessary 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 necessary information, documents and help that we need at your own expense. This includes medical certificates and details of your household Insurance and any other insurance 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 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 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 or section G 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 your cover from the start of the policy if you do not pay the premium;
8) Ask you to pay an extra premium, add special conditions to the 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 on the event of you wishing to cancel this policy midterm. A refund of premium will be considered on a pro rata basis.