Norwich Union Travel - Home Insurance Add-on

Section B
Emergency medical and associated expenses
1. If You are injured, fall ill, are quarantined or die during Your Trip, We will pay for the following:
a. emergency medical treatment outside the UK (including rescue services to take You to hospital);
b. up to £350 for emergency pain relief dental treatment outside the UK;
c. any reasonable extra charges for half board accommodation (of a similar standard to the accommodation You had booked for Your Trip) if You have to stay after the date You were going to return to Your Home. We will also pay travel costs, which You have to pay to get back to Your Home if You cannot use Your return ticket;
d. up to £5,000 for the cost of burying or cremating You in the country outside the UK where You die;
e. up to £7,500 for the cost of returning Your body or ashes to Your Home.
2. We will pay the cost of getting You Home if it is medically necessary because You are seriously injured or fall seriously ill during Your Trip and You cannot use Your return ticket.
Under items 1c and 2 above, We will also pay the reasonable travel and accommodation costs of one relative or friend who has to travel or stay with You if Your treating Doctor and Our medical emergency assistance provider think that it is necessary.
Special conditions
1. You must phone the medical emergency helpline on (+44) 01603 208 041* immediately if You need to go into hospital as an in-patient or if You need to return to the UK.
2. If You are injured or fall ill during Your Trip, Our medical emergency assistance provider may:
- move You from one hospital to another; and/or
- arrange for You to return to the UK at any time.
They will only do this if they and the treating Doctor think that it is safe for You to be moved or returned to the UK.
If You choose not to move hospital or return to the UK Our liability will end on the date it was deemed safe for You to do so.
The most we will pay
Within the UK: £2,000 for each Insured person under items 1c, 1e and 2.
Elsewhere: Up to £5,000,000 for each Insured person.
Excess
We will not pay the first £50 of each Insured persons claim.
What is not covered
See exclusions listed after section C.
What is not covered under sections B and C
1. Any claim for a medical condition if any Insured person has travelled against the advice of a Doctor or would be travelling against the advice of a Doctor if they had taken such advice.
2. Any claim for a medical condition if any of the following applied when You took out Your policy or booked Your Trip (whichever is later). You:
a. had received advice, medication or treatment for any serious, chronic or recurring illness, injury or disease in the last 12 months unless the condition was disclosed to and accepted by Us;
b. were under investigation or awaiting results for any diagnosed or undiagnosed condition unless disclosed to and accepted by Us;
c. were on a waiting list for in-patient treatment or were aware of the need for in-patient treatment for any diagnosed or undiagnosed condition unless disclosed to and accepted by Us; or
d. had been told You have a terminal illness.
3. Any claim for a medical condition where You have received medical advice for a potentially serious illness or injury between booking Your Trip and the departure date unless disclosed to and accepted by Us.
4. Any claim for a medical condition You were planning to get medical treatment for during Your Trip.
5. Any claim for:
a. the cost of in-patient hospital treatment or going Home early that Our medical emergency assistance provider has not agreed beforehand;
b. the cost of any non-emergency treatment or surgery including exploratory tests which are not directly related to the illness or injury that You originally went to hospital for;
c. any form of treatment that Your treating Doctor and Our medical emergency assistance provider think can reasonably wait until You get back to the UK;
d. cosmetic surgery;
e. cosmetic dental treatment;
f. medication which, at the time Your Trip started, You knew that You would need while You were away;
g. any extra costs because You have requested a single or private room;
h. treatment or services provided by a health spa, convalescent or nursing home or any rehabilitation centre;
i. any treatment after You have returned to the UK.
6. Costs incurred following Your decision not to move hospital or return to the UK after the date when, in the opinion of Our medical emergency assistance provider it was safe for You to do so.
7. Any claim resulting from a tropical disease where You have not had the recommended inoculations and/or taken the recommended medication.
8. Any claim that results from:
a. any anxiety state, depression, mental or nervous disorder which had been diagnosed when You took out Your policy or booked Your Trip (whichever is later);
b. pregnancy or childbirth where the expected date of delivery is less than 12 weeks (16 weeks in the case of a multiple pregnancy) before Your planned return date;
c. You flying (except while travelling in an aircraft as a passenger) or taking part in other aerial activities;
d. You motorcycling:
- as a rider or passenger on a machine over 125cc; or
- as a rider or passenger on a machine 125cc or under
unless You wear a crash helmet and, as a rider, You hold a full UK motorcycle licence;
e. Your involvement in manual work of any kind;
f. You taking part in any winter sports activity listed on page 15 unless Winter Sports cover is shown on Your Home Policy Schedule;
g. You taking part in any leisure or winter sports activity not listed on pages 14 - 15 unless agreed by Us and shown on Your Home Policy Schedule;
h. You taking part in any organised team or contact sport not listed on pages 14 -15, any activity either as a professional or where You receive any financial reward or gain; or competing in or practising for speed or time trials, sprints or racing of any kind;
i. You taking part in expeditions or being a crewmember on a vessel travelling from one country to another.
9. Anything mentioned in the General Exclusions applicable to the whole Travel insurance policy and the policy exclusions in Your Home insurance Policy Booklet.

Section E - Personal accident
If You suffer an accidental bodily injury during Your trip and the injury is caused by external, violent and visible means We will pay You or Your legal representative:
a) £30,000 if Your injury solely and independently of any other cause leads to Your death (this benefit is reduced to £1,000 for Insured Persons aged under 16 years)
b) £30,000 if Your injury leads solely and independently of any other cause leads to Loss Of One Or More Limbs and/or the Total Loss Of Sight in one or both eyes or
c) £30,000 if Your injury solely and independently of any other cause leads to Your Permanent Total Disablement after 104 weeks (except where compensation is paid under b) above)
NB The benefit payable under b) and c) above is reduced to £15,000 if You are over 70 years of age at the time of the accident
Special conditions
1 The death or disability must happen within one year of the accident.
2 You can only claim for one item under this section.
The most We will pay
The maximum amount We will pay for each Insured Person is £30,000.
The Permanent Total Disablement benefit is reduced to £15,000 for Insured Persons aged over 70 years.
The death benefit is reduced to £1,000 for Insured Persons aged under 16 years.
The benefit will be paid to You or Your legal representative.
What is not covered
1 Any claim for sickness, disease, nervous shock or naturally occurring condition or degenerative process.
2 Any claim that results from:
a) You flying (except while travelling in an aircraft as a passenger) or taking part in other aerial activities unless You have cover under the leisure, winter sports or hazardous activities sections
b) You motorcycling:
as a rider or passenger on a machine over 125cc; or
as a rider or passenger on a machine 125cc or under unless You wear a crash helmet and, as a rider, You hold a full UK motorcycle licence
c) Your involvement in manual work of any kind
d) You taking part in any winter sports activity listed on page 15 unless winter sports cover is shown on Your policy schedule
e) You taking part in any hazardous activity listed on pages 38 and 39 unless the appropriate level of cover is shown on Your policy schedule
f) You taking part in a leisure activity, winter sports activity or hazardous activity not listed as covered in the policy booklet
g) You taking part in any organised team or contact sport not listed as covered in the policy booklet; any activity either as a professional or where You receive any financial reward or gain; or competing in or practising for speed or time trials, sprints or racing of any kind other than on foot or for yacht/dinghy racing, biathlons and triathlons
h) You taking part in expeditions or being a crew member on a vessel travelling from one country to another.
3 Anything mentioned in the General exclusions on page 40.

Section C
Hospital benefit
If You are claiming for medical expenses that are covered under section B of the Travel insurance policy, We will also pay You £25 for every 24 hours You are being treated as an in-patient in a hospital outside the UK towards incidental expenses You have to pay, such as telephone calls.
The most we will pay
The most We will pay for each Insured person is £1,000.
Holiday disruption
We will also help You pay for another holiday if You are claiming for medical expenses that are covered under section B of the Travel insurance policy section and You have to stay as an in-patient in hospital outside the UK for longer than five consecutive days.
The most we will pay
The most We will pay for each Insured person is £250.
What is not covered under sections B and C
1. Any claim for a medical condition if any Insured person has travelled against the advice of a Doctor or would be travelling against the advice of a Doctor if they had taken such advice.
2. Any claim for a medical condition if any of the following applied when You took out Your policy or booked Your Trip (whichever is later). You:
a. had received advice, medication or treatment for any serious, chronic or recurring illness, injury or disease in the last 12 months unless the condition was disclosed to and accepted by Us;
b. were under investigation or awaiting results for any diagnosed or undiagnosed condition unless disclosed to and accepted by Us;
c. were on a waiting list for in-patient treatment or were aware of the need for in-patient treatment for any diagnosed or undiagnosed condition unless disclosed to and accepted by Us; or
d. had been told You have a terminal illness.
3. Any claim for a medical condition where You have received medical advice for a potentially serious illness or injury between booking Your Trip and the departure date unless disclosed to and accepted by Us.
4. Any claim for a medical condition You were planning to get medical treatment for during Your Trip.
5. Any claim for:
a. the cost of in-patient hospital treatment or going Home early that Our medical emergency assistance provider has not agreed beforehand;
b. the cost of any non-emergency treatment or surgery including exploratory tests which are not directly related to the illness or injury that You originally went to hospital for;
c. any form of treatment that Your treating Doctor and Our medical emergency assistance provider think can reasonably wait until You get back to the UK;
d. cosmetic surgery;
e. cosmetic dental treatment;
f. medication which, at the time Your Trip started, You knew that You would need while You were away;
g. any extra costs because You have requested a single or private room;
h. treatment or services provided by a health spa, convalescent or nursing home or any rehabilitation centre;
i. any treatment after You have returned to the UK.
6. Costs incurred following Your decision not to move hospital or return to the UK after the date when, in the opinion of Our medical emergency assistance provider it was safe for You to do so.
7. Any claim resulting from a tropical disease where You have not had the recommended inoculations and/or taken the recommended medication.
8. Any claim that results from:
a. any anxiety state, depression, mental or nervous disorder which had been diagnosed when You took out Your policy or booked Your Trip (whichever is later);
b. pregnancy or childbirth where the expected date of delivery is less than 12 weeks (16 weeks in the case of a multiple pregnancy) before Your planned return date;
c. You flying (except while travelling in an aircraft as a passenger) or taking part in other aerial activities;
d. You motorcycling:
- as a rider or passenger on a machine over 125cc; or
- as a rider or passenger on a machine 125cc or under unless You wear a crash helmet and, as a rider, You hold a full UK motorcycle licence;
e. Your involvement in manual work of any kind;
f. You taking part in any winter sports activity listed on page 15 unless Winter Sports cover is shown on Your Home Policy Schedule;
g. You taking part in any leisure or winter sports activity not listed on pages 14 - 15 unless agreed by Us and shown on Your Home Policy Schedule;
h. You taking part in any organised team or contact sport not listed on pages 14 - 15, any activity either as a professional or where You receive any financial reward or gain; or competing in or practising for speed
or time trials, sprints or racing of any kind;
i. You taking part in expeditions or being a crewmember on a vessel travelling from one country to another.
9. Anything mentioned in the General Exclusions applicable to the whole Travel insurance policy and the policy exclusions in Your Home insurance Policy Booklet.

Section B
Emergency medical and associated expenses
1. If You are injured, fall ill, are quarantined or die during Your Trip, We will pay for the following:
b. up to £350 for emergency pain relief dental treatment outside the UK

Section B
Emergency medical and associated expenses
1. If You are injured, fall ill, are quarantined or die during Your Trip, We will pay for the following:
d. up to £5,000 for the cost of burying or cremating You in the country outside the UK where You die;
e. up to £7,500 for the cost of returning Your body or ashes to Your Home.

Section B
Emergency medical and associated expenses
1. If You are injured, fall ill, are quarantined or die during Your Trip, We will pay for the following:
d. up to £5,000 for the cost of burying or cremating You in the country outside the UK where You die;
e. up to £7,500 for the cost of returning Your body or ashes to Your Home.

Section N
Personal money
We will cover You for loss or theft of Your Personal money during Your Trip.
Contact Us on (+44) 01603 208 041* and We will advise You how to replace lost or stolen Personal money.
Special conditions
1. You must always take reasonable care to keep Your Personal money safe.
If Your Personal money is lost or stolen You must take all reasonable steps to get it back.
2. You must be able to prove that You own the lost or stolen Personal money and how much it is worth. If You do not, it may affect Your claim.
The most we will pay
The most We will pay for each Insured person is £500, but no more than £300 for cash or bank notes.
A reduced limit of £100 for cash or bank notes applies to Insured persons aged under 16 years.
Excess
We will not pay the first £50 of each Insured persons claim.
What is not covered
1. Any loss or theft of Personal money which You do not report to the police within 24 hours of discovery and get a written police report.
2. Any Personal money which is delayed, detained or confiscated by Customs or other officials.
3. Bonds, securities or documents of any kind.
4. Loss or theft of Personal money which is not carried by You or kept under Your personal supervision at all times while You are travelling.
5. Loss or theft of Personal money which You have left Unattended.
6. Shortages due to a mistake, or loss due to a change in exchange rates.
7. Anything mentioned in the General Exclusions applicable to the whole Travel insurance policy and the policy exclusions in Your Home insurance Policy Booklet.

Section I
Legal expenses and advice
Legal expenses cover
We will negotiate on Your behalf for Your legal rights to bring legal proceedings to pursue a civil claim resulting from an incident, including medical treatment, for which You are not at fault which causes Your
death or personal injury during Your Trip providing that:
a. the insured incident occurs during the period of insurance;
b. prospects of success exist for the duration of the claim;
c. in respect of any appeal or defence of an appeal, it has been reported to Us at least 10 working days prior to the deadline for any appeal;
d. the maximum amount We will pay for costs and expenses for any one Insured person in respect of any or all claims arising from one cause is £50,000; and
e. You report an insured incident to Us as soon as possible and in any event no later than 180 days after the date You knew or should have known about the insured incident.
Personal legal advice
We will give You confidential advice over the telephone on any personal legal problem that may lead to a claim under this section of the Travel insurance policy.
We will tell You what Your legal rights are, what course of action is available to You and whether these can be best implemented by You or whether You need to consult with a lawyer.
There are no consultation fees and lines are open 24 hours a day, 365 days a year. For confidential legal advice or to make a legal expenses claim call Us on 01603 208 243*.
Please have Your policy number to hand as this will be requested when You call.
Definitions
The definitions at the beginning of this Travel insurance policy section apply where appropriate (see pages 6 - 7).
The following definitions only apply to this section of the travel insurance.
Appointed representative
The lawyer or other suitably qualified person appointed by Us to act on Your behalf.
Costs and expenses
a. All reasonable and necessary legal costs charged by the Appointed representative and agreed by Us.
b. Legal costs which an Insured person has been ordered to pay by a court or other body which We have agreed to or authorised.
Legal proceedings
The pursuit of a claim for damages.
Medical treatment
The consultation and treatment of an illness or bodily injury conducted by a registered medical or dental practitioner who is or has been responsible for the clinical care of an Insured person.
Prospect of success
In respect of all claims it is always more likely than not that You will:
a. recover damages or obtain any other legal remedy which We have agreed to;
b. make a successful defence; or
c. make a successful appeal or defence of an appeal.
Prospects of success will be assessed by Us or an Appointed representative on Our behalf.
Area covered
See Your Home Policy Schedule.
Special conditions
The following conditions apply to this section.
Also refer to the General Conditions shown on page 47.
1. Claims - an Insured persons duty You must report an insured incident to Us as soon as possible and in any event no later than 180 days after the date You knew or should have known about the insured incident.
2. Claims - legal representation
a. On acceptance of a claim, if appropriate, We will appoint an Appointed representative.
b. If it is necessary to start court proceedings or there is a conflict of interest, You are free to nominate an Appointed representative by sending to Us the name and address of the suitably qualified person.
c. If We do not agree to Your choice of Appointed representative under condition 2b.,You may choose another suitably qualified person.
d. If there is still a disagreement with regard to the Appointed representative, We will ask the president of a relevant national law society to choose a suitably qualified person to represent You. We and You must accept such choice.
e. In all other circumstances We will be free to choose an Appointed representative.
f. An Appointed representative will be appointed by Us and represent You according to Our standard terms of appointment.
3. Claims - Our rights and Your obligations
a. We will have direct access to the Appointed representative who will, upon request, provide Us with any information or opinion on Your claim.
b. You must co-operate fully with Us and the Appointed representative and must keep Us up to date with the progress of the claim.
c. At Our request You must give the Appointed representative any instructions that We require.
d. You must notify Us immediately if anyone offers to settle a claim or makes a payment into court.
e. If You do not accept the recommendation of the Appointed representative to accept a reasonable offer or payment into court to settle a claim, We may refuse to pay further Costs and expenses.
f. No agreement to settle on the basis of both parties paying their own costs is to be made without Our prior approval.
4. Discontinuance of a claim if You:
a. settle a claim or withdraw a claim without Our prior agreement;
b. do not give suitable instructions to the Appointed representative; or
c. dismiss an Appointed representative without Our prior consent the cover We provide will end immediately and We will be entitled to re-claim any Costs and expenses We have incurred from You.
5. Recoveries
You must take every available step to recover Costs and expenses that We have to pay and must pay Us any Costs and expenses that are recovered.
6. Disputes
If any difference arises between Us and You in respect of the acceptance, refusal, control or handling of any claim under this section, You can take the steps outlined in Our complaints procedure stated under Our Promise of Service.
7. Arbitration
You have the right to refer any difference that arises between Us and You in respect of the acceptance, refusal, control or handling of any claim under this section to arbitration, which will be decided by counsel chosen jointly by Us and You.
If there is a disagreement with regard to the choice of counsel, We will ask the president of a relevant national law society to choose a suitably qualified person. The arbitrators decision shall be final and binding on both parties.
All costs for resolving the difference will be met by the party whom the decision is made against.
The most we will pay
The most We will pay for each Insured person in respect of any or all claims arising from one cause is £50,000.
What is not covered
1. If You do not keep to the terms, conditions and exclusions of this section.
2. A dispute between You and Us or any member of the Aviva Group of companies.
3. Any claim where You are more specifically insured or any amount You cannot recover from a more specific insurance because the insurer of that insurance refuses the claim.
4. Any claim relating to You driving a motor vehicle without a valid licence and/or insurance.
5. Any illness, death or bodily injury which develops gradually or is not caused by a specific sudden event.
6. Any claim from Deep Vein Thrombosis (DVT) or its symptoms that result from travelling by air.
7. Any claim in respect of libel or slander.
8. Costs and expenses incurred prior to Our written acceptance of a claim.
9. We will not pay for Costs and expenses which have been incurred by the Appointed representative on a contingency fee basis.
10. Any legal action an Insured person takes which We have not agreed to or where an Insured person does anything to hinder Us or the Appointed representative.
11. Any claim deliberately or intentionally caused by You.
12. Any fines, penalties, compensation or damages which the Insured person is ordered to pay by a court or other authority.
13. An application for judicial review.
14. Any claims relating to any non contracting partys rights to enforce all or any part of this section. The Contracts (Rights of Third Parties) Act 1999 does not apply to this section.
15. A dispute with Us other than as catered for in special conditions 6 and 7 of this section.
16. Anything mentioned in the General Exclusions applicable to the whole Travel insurance policy and the policy exclusions in Your Home insurance Policy Booklet.

Section M
Temporary or emergency passports We will pay any reasonable extra travel, accommodation and communication expenses You have to pay to get a temporary or emergency passport, and the cost of the temporary or emergency passport, if Your passport is lost or stolen while You are abroad.
Contact the insurer on (+44) 1603 208 041* for advice on how to obtain a temporary or replacement passport abroad.
Special condition
You must always take reasonable care to keep Your passport safe. If Your passport is lost or stolen You must take all reasonable steps to get it back.
The most the insurer will pay
The most the insurer will pay for each Insured person is £500.
What is not covered
1. Any loss or theft of Your passport if You do not report it to the police within 24 hours of the discovery and get a written police report.
2. Loss or theft of passports which You have left Unattended.
3. Loss or theft of passports which are not carried by You or kept under Your personal supervision while You are travelling on public transport.
4. The cost of purchasing a replacement passport.
5. Anything mentioned in the General Exclusions applicable to the whole Travel insurance policy and the policy exclusions in Your Home insurance Policy Booklet.

Section N
Personal money
We will cover You for loss or theft of Your Personal money during Your Trip.
Contact Us on (+44) 01603 208 041* and We will advise You how to replace lost or stolen Personal money.
Special conditions
1. You must always take reasonable care to keep Your Personal money safe.
If Your Personal money is lost or stolen You must take all reasonable steps to get it back.
2. You must be able to prove that You own the lost or stolen Personal money and how much it is worth. If You do not, it may affect Your claim.
The most we will pay
The most We will pay for each Insured person is £500, but no more than £300 for cash or bank notes.
A reduced limit of £100 for cash or bank notes applies to Insured persons aged under 16 years.
Excess
We will not pay the first £50 of each Insured persons claim.
What is not covered
1. Any loss or theft of Personal money which You do not report to the police within 24 hours of discovery and get a written police report.
2. Any Personal money which is delayed, detained or confiscated by Customs or other officials.
3. Bonds, securities or documents of any kind.
4. Loss or theft of Personal money which is not carried by You or kept under Your personal supervision at all times while You are travelling.
5. Loss or theft of Personal money which You have left Unattended.
6. Shortages due to a mistake, or loss due to a change in exchange rates.
7. Anything mentioned in the General Exclusions applicable to the whole Travel insurance policy and the policy exclusions in Your Home insurance Policy Booklet.

Section J
Hijack and mugging
We will pay £50 for each full 24-hour period if:
1. You cannot reach Your destination or You cannot reach the UK on the return leg of Your Trip as a result of the transport on which You are travelling being hijacked; or
2. You are in hospital receiving in-patient treatment required following a mugging.
The most we will pay
The most We will pay for each Insured person is £1,000.
What is not covered
We will not pay any claim:
1. unless You provide written confirmation of the delay from the airline or carrier;
2. if You do not report the mugging to the police within 24 hours and get a written police report; and
3. for anything mentioned in the General Exclusions applicable to the whole Travel insurance policy and the policy exclusions in Your Home insurance Policy Booklet.

Section J
Hijack and mugging
We will pay £50 for each full 24-hour period if:
1. You cannot reach Your destination or You cannot reach the UK on the return leg of Your Trip as a result of the transport on which You are travelling being hijacked; or
2. You are in hospital receiving in-patient treatment required following a mugging.
The most we will pay
The most We will pay for each Insured person is £1,000.
What is not covered
We will not pay any claim:
1. unless You provide written confirmation of the delay from the airline or carrier;
2. if You do not report the mugging to the police within 24 hours and get a written police report; and
3. for anything mentioned in the General Exclusions applicable to the whole Travel insurance policy and the policy exclusions in Your Home insurance Policy Booklet.

Winter Sports cover (optional)
Winter Sports cover only applies if shown on Your Policy Schedule. If selected, cover under sections Q to U applies for a maximum of 21 days in each period of insurance.
Section Q
Winter sports equipment
1. If Your Winter sports equipment is lost, stolen or damaged by accident during Your Trip, We will pay for their replacement or repair, whichever is lower, after making an allowance for wear and tear and loss of value using the scale below:
- up to one year old, 90% of the purchase price;
- up to two years old, 70% of the purchase price;
- up to three years old, 50% of the purchase price;
- up to four years old, 30% of the purchase price; and
- over four years old, 20% of the purchase price.
The most We will pay is £500 for each Insured person.
2. If You hire Winter sports equipment and it is lost, stolen or damaged by accident during Your Trip, We will pay for its replacement or repair.
The most We will pay is £400 for each Insured person.
3. If We pay under items 1 or 2, We will also pay to hire replacement Winter sports equipment for the rest of Your Trip. The most We will pay under item 3 is £200 for each Insured person.
4. We will pay up to £200 to replace Your lift pass if it is lost or stolen during Your Trip.
Special conditions
1. You must take reasonable care to keep the Winter sports equipment safe. If the Winter sports equipment is lost or stolen, You must take all reasonable steps to get it back.
2. If the Winter sports equipment is lost or damaged by an authority, a transport company or hotel, You must report the details of the loss or damage to them in writing and get written confirmation.
3. If the Winter sports equipment is lost or damaged by an airline, You must:
a. get a property report;
b. give written notice of the claim to the airline within the time limit in their conditions of carriage (You should also keep a copy);
c. keep all travel tickets and tags if You claim under this Travel insurance policy.
4. You must be able to prove that You were responsible for the lost, stolen or damaged items and the purchase price. If You do not do this, it may affect Your claim.
Excess
We will not pay the first £50 of each Insured persons claim.
What is not covered
1. Deliberate or malicious damage to Winter sports equipment caused by the Insured person.
2. Loss or damage to Winter sports equipment caused by the Insured persons carelessness or neglect.
3. Wear and tear, loss of value and damage caused by moths or vermin, or any process of cleaning, repairing or restoring.
4. Losses from motor vehicles.
5. Any loss or theft which You do not report to the police within 24 hours of discovery and get a written report for (where it is not possible to obtain a police report You must provide other independent proof of loss such as a letter from Your transport company or resort management).
6. Winter sports equipment that is damaged while it is being used.
7. Anything mentioned in the General Exclusions applicable to the whole Travel insurance policy and the policy exclusions in Your Home insurance Policy Booklet.

Winter Sports cover (optional)
Winter Sports cover only applies if shown on Your Policy Schedule. If selected, cover under sections Q to U applies for a maximum of 21 days in each period of insurance.
Section Q
Winter sports equipment
1. If Your Winter sports equipment is lost, stolen or damaged by accident during Your Trip, We will pay for their replacement or repair, whichever is lower, after making an allowance for wear and tear and loss of value using the scale below:
- up to one year old, 90% of the purchase price;
- up to two years old, 70% of the purchase price;
- up to three years old, 50% of the purchase price;
- up to four years old, 30% of the purchase price; and
- over four years old, 20% of the purchase price.
The most We will pay is £500 for each Insured person.
2. If You hire Winter sports equipment and it is lost, stolen or damaged by accident during Your Trip, We will pay for its replacement or repair.
The most We will pay is £400 for each Insured person.
3. If We pay under items 1 or 2, We will also pay to hire replacement Winter sports equipment for the rest of Your Trip. The most We will pay under item 3 is £200 for each Insured person.
4. We will pay up to £200 to replace Your lift pass if it is lost or stolen during Your Trip.
Special conditions
1. You must take reasonable care to keep the Winter sports equipment safe. If the Winter sports equipment is lost or stolen, You must take all reasonable steps to get it back.
2. If the Winter sports equipment is lost or damaged by an authority, a transport company or hotel, You must report the details of the loss or damage to them in writing and get written confirmation.
3. If the Winter sports equipment is lost or damaged by an airline, You must:
a. get a property report;
b. give written notice of the claim to the airline within the time limit in their conditions of carriage (You should also keep a copy);
c. keep all travel tickets and tags if You claim under this Travel insurance policy.
4. You must be able to prove that You were responsible for the lost, stolen or damaged items and the purchase price. If You do not do this, it may affect Your claim.
Excess
We will not pay the first £50 of each Insured persons claim.
What is not covered
1. Deliberate or malicious damage to Winter sports equipment caused by the Insured person.
2. Loss or damage to Winter sports equipment caused by the Insured persons carelessness or neglect.
3. Wear and tear, loss of value and damage caused by moths or vermin, or any process of cleaning, repairing or restoring.
4. Losses from motor vehicles.
5. Any loss or theft which You do not report to the police within 24 hours of discovery and get a written report for (where it is not possible to obtain a police report You must provide other independent proof of loss such as a letter from Your transport company or resort management).
6. Winter sports equipment that is damaged while it is being used.
7. Anything mentioned in the General Exclusions applicable to the whole Travel insurance policy and the policy exclusions in Your Home insurance Policy Booklet.

Winter Sports cover (optional)
Winter Sports cover only applies if shown on Your Policy Schedule. If selected, cover under sections Q to U applies for a maximum of 21 days in each period of insurance.
Section Q
Winter sports equipment
1. If Your Winter sports equipment is lost, stolen or damaged by accident during Your Trip, We will pay for their replacement or repair, whichever is lower, after making an allowance for wear and tear and loss of value using the scale below:
- up to one year old, 90% of the purchase price;
- up to two years old, 70% of the purchase price;
- up to three years old, 50% of the purchase price;
- up to four years old, 30% of the purchase price; and
- over four years old, 20% of the purchase price.
The most We will pay is £500 for each Insured person.
2. If You hire Winter sports equipment and it is lost, stolen or damaged by accident during Your Trip, We will pay for its replacement or repair.
The most We will pay is £400 for each Insured person.
3. If We pay under items 1 or 2, We will also pay to hire replacement Winter sports equipment for the rest of Your Trip. The most We will pay under item 3 is £200 for each Insured person.
4. We will pay up to £200 to replace Your lift pass if it is lost or stolen during Your Trip.
Special conditions
1. You must take reasonable care to keep the Winter sports equipment safe. If the Winter sports equipment is lost or stolen, You must take all reasonable steps to get it back.
2. If the Winter sports equipment is lost or damaged by an authority, a transport company or hotel, You must report the details of the loss or damage to them in writing and get written confirmation.
3. If the Winter sports equipment is lost or damaged by an airline, You must:
a. get a property report;
b. give written notice of the claim to the airline within the time limit in their conditions of carriage (You should also keep a copy);
c. keep all travel tickets and tags if You claim under this Travel insurance policy.
4. You must be able to prove that You were responsible for the lost, stolen or damaged items and the purchase price. If You do not do this, it may affect Your claim.
Excess
We will not pay the first £50 of each Insured persons claim.
What is not covered
1. Deliberate or malicious damage to Winter sports equipment caused by the Insured person.
2. Loss or damage to Winter sports equipment caused by the Insured persons carelessness or neglect.
3. Wear and tear, loss of value and damage caused by moths or vermin, or any process of cleaning, repairing or restoring.
4. Losses from motor vehicles.
5. Any loss or theft which You do not report to the police within 24 hours of discovery and get a written report for (where it is not possible to obtain a police report You must provide other independent proof of loss such as a letter from Your transport company or resort management).
6. Winter sports equipment that is damaged while it is being used.
7. Anything mentioned in the General Exclusions applicable to the whole Travel insurance policy and the policy exclusions in Your Home insurance Policy Booklet.

Winter Sports cover (optional)
Winter Sports cover only applies if shown on Your Policy Schedule. If selected, cover under sections Q to U applies for a maximum of 21 days in each period of insurance.
Section T
Ski pack
If, due to illness or injury, You are medically certified as being unable to ski or board We will pay the proportionate cost of Your non-refundable ski pack.
The ski pack includes lessons from a ski school, ski hire and the cost of any lift pass.
The most we will pay
The most We will pay for each Insured person is £500.
What is not covered
See exclusions listed after section U.

Winter Sports cover (optional)
Winter Sports cover only applies if shown on Your Policy Schedule. If selected, cover under sections Q to U applies for a maximum of 21 days in each period of insurance.
Section Q
Winter sports equipment
4. We will pay up to £200 to replace Your lift pass if it is lost or stolen during Your Trip.
Special conditions
1. You must take reasonable care to keep the Winter sports equipment safe. If the Winter sports equipment is lost or stolen, You must take all reasonable steps to get it back.
2. If the Winter sports equipment is lost or damaged by an authority, a transport company or hotel, You must report the details of the loss or damage to them in writing and get written confirmation.
3. If the Winter sports equipment is lost or damaged by an airline, You must:
a. get a property report;
b. give written notice of the claim to the airline within the time limit in their conditions of carriage (You should also keep a copy);
c. keep all travel tickets and tags if You claim under this Travel insurance policy.
4. You must be able to prove that You were responsible for the lost, stolen or damaged items and the purchase price. If You do not do this, it may affect Your claim.
Excess
We will not pay the first £50 of each Insured persons claim.
What is not covered
1. Deliberate or malicious damage to Winter sports equipment caused by the Insured person.
2. Loss or damage to Winter sports equipment caused by the Insured persons carelessness or neglect.
3. Wear and tear, loss of value and damage caused by moths or vermin, or any process of cleaning, repairing or restoring.
4. Losses from motor vehicles.
5. Any loss or theft which You do not report to the police within 24 hours of discovery and get a written report for (where it is not possible to obtain a police report You must provide other independent proof of loss such as a letter from Your transport company or resort management).
6. Winter sports equipment that is damaged while it is being used.
7. Anything mentioned in the General Exclusions applicable to the whole Travel insurance policy and the policy exclusions in Your Home insurance Policy Booklet.

Winter Sports cover (optional)
Winter Sports cover only applies if shown on Your Policy Schedule. If selected, cover under sections Q to U applies for a maximum of 21 days in each period of insurance.
Section S
Piste closure
This section does not apply to cross-country skiing.
If all pistes at the resort You have booked are closed because of lack of snow, excessive snow or high winds We will pay up to £20 a day to transport You to another site. If there are no other sites nearby, We will pay You £30 compensation each day.
The most we will pay
The most We will pay for each Insured person is £500.
Special conditions
1. This section does not apply in the UK, and within Europe the cover only applies during the period 15 December to 15 April.
2. You must provide evidence that confirms the piste closures from either Your tour operator or resort management.
What is not covered
Anything mentioned in the General Exclusions applicable to the whole Travel insurance policy and the policy exclusions in Your Home insurance Policy Booklet.

Winter Sports cover (optional)
Winter Sports cover only applies if shown on Your Policy Schedule. If selected, cover under sections Q to U applies for a maximum of 21 days in each period of insurance.
Section S
Piste closure
This section does not apply to cross-country skiing.
If all pistes at the resort You have booked are closed because of lack of snow, excessive snow or high winds We will pay up to £20 a day to transport You to another site. If there are no other sites nearby, We will pay You £30 compensation each day.
The most we will pay
The most We will pay for each Insured person is £500.
Special conditions
1. This section does not apply in the UK, and within Europe the cover only applies during the period 15 December to 15 April.
2. You must provide evidence that confirms the piste closures from either Your tour operator or resort management.
What is not covered
Anything mentioned in the General Exclusions applicable to the whole Travel insurance policy and the policy exclusions in Your Home insurance Policy Booklet.

Winter Sports cover (optional)
Winter Sports cover only applies if shown on Your Policy Schedule. If selected, cover under sections Q to U applies for a maximum of 21 days in each period of insurance.
Section S
Piste closure
This section does not apply to cross-country skiing.
If all pistes at the resort You have booked are closed because of lack of snow, excessive snow or high winds We will pay up to £20 a day to transport You to another site. If there are no other sites nearby, We will pay You £30 compensation each day.
The most we will pay
The most We will pay for each Insured person is £500.
Special conditions
1. This section does not apply in the UK, and within Europe the cover only applies during the period 15 December to 15 April.
2. You must provide evidence that confirms the piste closures from either Your tour operator or resort management.
What is not covered
Anything mentioned in the General Exclusions applicable to the whole Travel insurance policy and the policy exclusions in Your Home insurance Policy Booklet.

Winter Sports cover (optional)
Winter Sports cover only applies if shown on Your Policy Schedule. If selected, cover under sections Q to U applies for a maximum of 21 days in each period of insurance.
Section R
Delay due to avalanche
We will cover You for the cost of extra travel and accommodation if an avalanche delays Your arrival at or departure from the booked resort.
The most we will pay
The most We will pay for each Insured person is £200.
What is not covered
Anything mentioned in the General Exclusions applicable to the whole Travel insurance policy and the policy exclusions in Your Home insurance Policy Booklet.

Winter Sports cover (optional)
Winter Sports cover only applies if shown on Your Policy Schedule. If selected, cover under sections Q to U applies for a maximum of 21 days in each period of insurance.
Section Q
Winter sports equipment
3. If We pay under items 1 or 2, We will also pay to hire replacement Winter sports equipment for the rest of Your Trip. The most We will pay under item 3 is £200 for each Insured person.
Special conditions
1. You must take reasonable care to keep the Winter sports equipment safe. If the Winter sports equipment is lost or stolen, You must take all reasonable steps to get it back.
2. If the Winter sports equipment is lost or damaged by an authority, a transport company or hotel, You must report the details of the loss or damage to them in writing and get written confirmation.
3. If the Winter sports equipment is lost or damaged by an airline, You must:
a. get a property report;
b. give written notice of the claim to the airline within the time limit in their conditions of carriage (You should also keep a copy);
c. keep all travel tickets and tags if You claim under this Travel insurance policy.
4. You must be able to prove that You were responsible for the lost, stolen or damaged items and the purchase price. If You do not do this, it may affect Your claim.
Excess
We will not pay the first £50 of each Insured persons claim.
What is not covered
1. Deliberate or malicious damage to Winter sports equipment caused by the Insured person.
2. Loss or damage to Winter sports equipment caused by the Insured persons carelessness or neglect.
3. Wear and tear, loss of value and damage caused by moths or vermin, or any process of cleaning, repairing or restoring.
4. Losses from motor vehicles.
5. Any loss or theft which You do not report to the police within 24 hours of discovery and get a written report for (where it is not possible to obtain a police report You must provide other independent proof of loss such as a letter from Your transport company or resort management).
6. Winter sports equipment that is damaged while it is being used.
7. Anything mentioned in the General Exclusions applicable to the whole Travel insurance policy and the policy exclusions in Your Home insurance Policy Booklet.

Winter sports activities
The following winter sports activities are only covered for all Insured persons if this option has been selected by You and it is shown on Your Policy Schedule.
Cross-country skiing (on recognised paths)
Dry slope skiing
Off-piste skiing??
Off-piste snowboarding??
Skiing (on recognised pistes)
Sledging
Snowboarding (on recognised pistes)
Snow mobiling?
Snow shoeing
Important notes
If You take part in a winter sports activity that is not listed, cover will be excluded.
This insurance does not cover You while You are taking part in any winter sports activity:
a. unless the cover is shown on Your Policy Schedule;
b. either as a professional or where You receive any financial reward or gain; or
c. where You are competing in or practising for speed or time trials, sprints or racing of any kind.
? No Personal Liability cover.
?? With a qualified guide in areas that resort management consider to be safe.

We will, at Our option, settle any claim by payment or replacement.
We will pay claims for Your Personal baggage based on the value at the time of loss. We will not pay the cost of replacing Your Personal baggage with new items, and We will not pay more than the original purchase price of any lost, stolen or damaged item.

Section P
Personal baggage (optional)
If You have selected clothing and personal effects cover under the Personal Belongings section of Your household policy this section does not apply.
This section only applies if You have chosen it and it is shown on Your Home insurance Policy Schedule.
We will cover You for loss, theft or accidental damage to Your Personal baggage during Your Trip.
Special conditions
1. You must take reasonable care to keep Your Personal baggage safe. If Your Personal baggage is lost or stolen You must take all reasonable steps to get it back.
2. If Your Personal baggage is lost, stolen or accidentally damaged while in the care of an authority, a transport company or hotel, You must report the details to them in writing and get their written confirmation of the incident.
3. If Your Personal baggage is lost, stolen or accidentally damaged by an airline, You must:
a. get a property report;
b. give written notice of the claim to the airline within the time limit specified in the conditions of carriage (You should also keep a copy);
c. keep all travel tickets and tags if You claim under this policy.
4. You must be able to prove that You were responsible for the lost, stolen or damaged items and how much they are worth. If You do not do this, it may affect Your claim.
5. We will, at Our option, settle any claim by payment or replacement.
We will pay claims for Your Personal baggage based on the value at the time of loss. We will not pay the cost of replacing Your Personal baggage with new items, and We will not pay more than the original purchase price of any lost, stolen or damaged item.
6. If You have also made a claim under section O Delayed baggage, this amount will be deducted from the amount claimed under this section.
The most we will pay
The most We will pay for each Insured person is £1,500 but no more than:
- £300 for any one article, pair or set of articles; and
- £400 in total for Valuables.
Excess
We will not pay the first £50 of each Insured persons claim.
What is not covered
1. Loss or theft of Personal baggage which You have left Unattended.
2. Loss, theft or accidental damage to Valuables, which are not worn by You or kept under Your personal supervision at all times while You are travelling.
3. Loss or theft which You do not report to the police within 24 hours of discovery and get a written report (where it is not possible to obtain a police report You must provide other independent proof of the loss or theft, such as a letter from Your transport company or hotel).
4. Cracking, scratching or breaking of glass (except lenses in cameras, binoculars, telescopes or spectacles), china or similar fragile articles.
5. Pedal cycles, contact lenses and medical and dental fittings.
6. Wear and tear, loss of value, damage caused by moths and vermin, or any process of cleaning, repairing or restoring.
7. Sports equipment that is damaged while being used.
8. Winter sports equipment.
9. Any goods delayed, detained or confiscated by customs or other officials.
10. Items used in connection with Your job which are not owned by You.
11. Bonds, securities or documents of any kind.
12. Deliberate or malicious damage to Personal baggage caused by an Insured person.
13. Personal money.
14. Anything mentioned in the General Exclusions applicable to the whole Travel insurance policy and the policy exclusions in Your Home insurance Policy Booklet.

Section O
Delayed baggage
If Your baggage is temporarily lost on the outward journey and You are without it for more than 12 hours, We will pay for the replacement of essential items. To claim under this section, You must keep the receipt of anything You buy and get written confirmation from the carrier of the number of hours You were without Your baggage.
The most we will pay
The most We will pay for each Insured person is £200.
What is not covered
1. Any claim for baggage delayed or detained by Customs or other officials.
2. Anything mentioned in the General Exclusions applicable to the whole Travel insurance policy and the policy exclusions in Your Home insurance Policy Booklet.

Section A
Cancellation charges
We will cover You for:
1. deposits You have paid for Your Trip and cannot get back;
2. Your unused travel and accommodation costs which You have paid or legally have to pay and cannot get back; and
3. unused kennel, cattery or professional carers fees up to £250, which You have paid or legally have to pay and cannot get back; and
if, after You have added the travel insurance option to Your Home Policy Schedule or the date of booking a Trip (whichever is later), You unavoidably have to cancel Your Trip for one of the reasons below:
1. one of the following people is injured, falls ill, is quarantined or dies:
a. You;
b. Your Travelling companion;
c. any person You were going to stay with;
2. one of the following people is seriously injured, falls seriously ill or dies:
a. any Close relative of Yours or of Your Travelling companion;
b. any Close business associate of Yours or of Your Travelling companion;
3. You or Your Travelling companion are called for jury service or as a witness in a court of law during the period of insurance;
4. You, Your Travelling companion or Your Partner are made redundant and registered as unemployed with the Employment Service. Cover does not apply to self-employed people;
5. Your Home or Your Travelling companions Home is badly damaged by fire, storm or flood in the seven days prior to the departure of Your Trip;
6. the police need to talk to You or Your Travelling companion because Your Home or their Home or place of work has been burgled.
Special condition
All claims resulting from injury, illness, quarantine or death must be supported by medical reports or a death certificate (or both) indicating the necessity to cancel Your Trip.
The most we will pay
The most We will pay for each Insured person is £5,000.
Excess
We will not pay the first £50 of each Insured persons claim. However, the maximum You will have to pay is £100 if two or more Insured persons cancel the same Trip.
For loss of deposits We will not pay the first £10 of each Insured persons claim.
What is not covered
1. Any claim for a medical condition if any of the following applied when You took out Your policy or booked Your Trip (whichever is later). You:
a. had received advice, medication or treatment for any serious, chronic or recurring illness, injury or disease in the last 12 months unless the condition was disclosed to and accepted by Us;
b. were under investigation or awaiting results for any diagnosed or undiagnosed condition unless disclosed to and accepted by Us;
c. were on a waiting list for in-patient treatment or were aware of the need for in-patient treatment for any diagnosed or undiagnosed condition unless disclosed to and accepted by Us; and/or
d. had been told You have a terminal illness.
2. Any claim for a medical condition if any person upon whose good health Your Trip depends had a serious, chronic or recurring illness, injury or disease, or was under investigation or awaiting results for a diagnosed or undiagnosed condition when You added the travel insurance option to Your Home Policy Schedule or booked Your Trip (whichever is later) unless the condition was disclosed to and accepted by Us.
3. Any claim for a medical condition You were planning to get medical treatment for during Your Trip.
4. Any claim that results from:
a. any anxiety state, depression, mental, nervous or emotional disorder which had been diagnosed before You added the travel insurance option to Your Home Policy Schedule or booked Your Trip (whichever is later); and/or
b. pregnancy or childbirth where the expected date of delivery is less than 12 weeks (16 weeks in the case of a multiple pregnancy) before Your planned return date.
5. Any claim made because You dont feel like travelling.
6. Any claim for redundancy caused by misconduct, resignation or voluntary redundancy, or if You, Your Travelling companion or Your Partner knew of the redundancy before You added the travel insurance option to Your Home Policy Schedule or booked Your Trip (whichever is later).
7. Any claim for unused travel or accommodation arranged by using Air Miles or similar promotions.
8. Any claim for management fees, maintenance costs or exchange fees associated with timeshares and similar arrangements.
9. Any claim for refund of any costs for persons not covered by this Travel insurance policy.
10. Anything mentioned in the General Exclusions applicable to the whole Travel insurance policy and the policy exclusions in Your Home insurance Policy Booklet.

Section H
Missed departure
This section does not apply for holidays solely within the UK (including the Channel Islands, Northern Ireland or the Isle of Man).
If, as a direct result of:
1. failure of scheduled public transport services;
2. delay to a connecting scheduled flight; or
3. accidental damage to, or breakdown of, the vehicle in which You are travelling;
You arrive at Your final point of international departure from or to the UK too late to board the ship, aircraft or train in which You are booked to travel, We will pay:
1. extra accommodation and travel costs You have to pay to reach Your destination on Your outward journey from the UK; or
2. extra accommodation and travel costs You have to pay to reach the UK on Your return journey.
Special conditions
1. If You have missed or will miss Your international ship, aircraft or train due to one of the reasons listed above, contact (+44) 1603 208 041* and We will contact the carrier for You (if a late arrival is possible) or will make alternative travel arrangements for You, up to the limit payable. Any cost incurred may have to be paid by You and submitted as a claim.
2. You must get a repairers report if You are claiming because the vehicle You were travelling in had an accident or broke down.
The most we will pay
The most We will pay for each Insured person is £1,000.
What is not covered
1. Any claim caused by a strike or industrial action that was public knowledge when You took out Your policy or booked Your Trip, whichever is later.
2. Any claim where a possible reason for delay was public knowledge when You took out Your policy or booked Your Trip, whichever is later.
3. Any claim where You have not allowed sufficient time to reach Your international departure point from or to the UK.
4. Any claim where You have not done everything You can to reach Your international departure point from or to the UK for the time specified on Your ticket/itinerary.
5. Any claim where the carrier has offered reasonable alternative transport.
6. Any claim if Your Trip is solely within the UK, including the Channel Islands, Northern Ireland or the Isle of Man.
7. Any claim for additional costs incurred in returning to Your Home following Your return to the UK.
8. Anything mentioned in the General Exclusions applicable to the whole Travel insurance policy and the policy exclusions in Your Home insurance Policy Schedule.

Section G
Delayed departure
This section does not apply for holidays solely within the UK (including Channel Islands, Northern Ireland or Isle of Man) or for any delay that does not occur at Your point of international departure from or to the UK.
If the scheduled departure of the ship, aircraft or train on which You are booked to travel is delayed on Your outward international journey from the UK, or on the final part of Your international return journey to the UK:
We will:
1. pay £25 for every full 12-hour period You are delayed; and
2. refund Your unused travel and accommodation costs, which You have paid or legally have to pay but cannot get back if, after You have been delayed for more than 24 hours on Your outward international journey from the UK, You choose to Abandon Your Trip. If You choose to Abandon Your Trip We will also pay unused kennel, cattery or professional carers fees which You cannot get back up to £250.
Special condition
We will work out the length of the delay from the date and time the international ship, aircraft or train was scheduled to depart. You must check in at the specified time and get written confirmation from the carrier or their handling agents of the actual date and time of departure and the reason for the delay.
The most we will pay
The most We will pay under item 1 for each Insured person is £250.
The most We will pay under item 2 for each Insured person is £5,000.
Excess
We will not pay the first £50 of each Insured persons claim under item 2.
However, the maximum You will have to pay is £100 if two or more Insured persons Abandon the same Trip.
What is not covered
1. Any claim caused by a strike or industrial action which was public knowledge when You took out Your policy or booked Your Trip, whichever is later.
2. Any claim where a possible reason for delay was public knowledge when You added the travel insurance option to Your Home Policy Schedule or booked Your Trip, whichever is later.
3. Any claim if Your Trip is solely within the UK, including the Channel Islands, Northern Ireland or the Isle of Man.
4. Any claim if the international ship, aircraft or train on which You are booked to travel is cancelled by the carrier.
5. Any claim for unused travel or accommodation arranged by using Air Miles or similar promotions.
6. Any claim for management fees, maintenance costs or exchange fees associated with timeshares and similar arrangements.
7. Any claim for refund of any costs for persons not insured under this Travel insurance policy.
8. More than one item under this section.
9. Anything mentioned in the General Exclusions applicable to the whole Travel insurance policy section and the policy.

Section G
Delayed departure
This section does not apply for holidays solely within the UK (including Channel Islands, Northern Ireland or Isle of Man) or for any delay that does not occur at Your point of international departure from or to the UK.
If the scheduled departure of the ship, aircraft or train on which You are booked to travel is delayed on Your outward international journey from the UK, or on the final part of Your international return journey to the UK:
We will:
1. pay £25 for every full 12-hour period You are delayed; and
2. refund Your unused travel and accommodation costs, which You have paid or legally have to pay but cannot get back if, after You have been delayed for more than 24 hours on Your outward international journey from the UK, You choose to Abandon Your Trip. If You choose to Abandon Your Trip We will also pay unused kennel, cattery or professional carers fees which You cannot get back up to £250.
Special condition
We will work out the length of the delay from the date and time the international ship, aircraft or train was scheduled to depart. You must check in at the specified time and get written confirmation from the carrier or their handling agents of the actual date and time of departure and the reason for the delay.
The most we will pay
The most We will pay under item 1 for each Insured person is £250.
The most We will pay under item 2 for each Insured person is £5,000.
Excess
We will not pay the first £50 of each Insured persons claim under item 2.
However, the maximum You will have to pay is £100 if two or more Insured persons Abandon the same Trip.
What is not covered
1. Any claim caused by a strike or industrial action which was public knowledge when You took out Your policy or booked Your Trip, whichever is later.
2. Any claim where a possible reason for delay was public knowledge when You added the travel insurance option to Your Home Policy Schedule or booked Your Trip, whichever is later.
3. Any claim if Your Trip is solely within the UK, including the Channel Islands, Northern Ireland or the Isle of Man.
4. Any claim if the international ship, aircraft or train on which You are booked to travel is cancelled by the carrier.
5. Any claim for unused travel or accommodation arranged by using Air Miles or similar promotions.
6. Any claim for management fees, maintenance costs or exchange fees associated with timeshares and similar arrangements.
7. Any claim for refund of any costs for persons not insured under this Travel insurance policy.
8. More than one item under this section.
9. Anything mentioned in the General Exclusions applicable to the whole Travel insurance policy section and the policy.

Section F
Personal liability
We will cover You for any money that You legally have to pay that relates to an accident during Your Trip which causes:
a. death or injury to any person; and/or
b. loss or damage to property.
The most we will pay
The most We will pay for all claims arising from any one event is £2,000,000 for each Insured person. We will also pay any extra costs and expenses that You have to pay as long as We agree, in writing, beforehand.
What is not covered
1. Any fines or exemplary damages (punishing, or aimed at punishing, the person responsible rather than awarding compensation) You have to pay.
2. Liability arising from:
a. death or injury of people who work for You or members of Your household;
b. loss of or damage to property which belongs to or is under the control of You, a member of Your household or people who work for You;
c. Your job;
d. Your involvement in manual work of any kind;
e. You owning or occupying any land or building, unless You are occupying any temporary Trip accommodation which is not owned by You, in which case We will not cover the first £100 of any claim;
f. You owning or using:
- animals (except domestic animals);
- firearms (except sporting guns used for clay pigeon shooting);
- motorised vehicles;
- vessels (except manually propelled watercraft); or
- aircraft of any description, including unpowered flight;
g. Your taking part in any winter sports activity listed on page 15 unless Winter Sports cover is shown on Your Policy Schedule;
h. You taking part in any leisure or winter sports activity not listed on pages 14 - 15 unless agreed by Us and shown on Your Home Policy Schedule;
i. You taking part in any organised team or contact sport not listed on pages 14 - 15, any activity either as a professional, or where You receive any financial reward or gain;
or competing in or practising for speed or time trials, sprints or racing of any kind.
3. Anything mentioned in the General Exclusions applicable to the whole Travel insurance policy and the policy exclusions in Your Home insurance Policy Booklet.

Section L
Pet care
We will pay a benefit of £25 for each 24-hour period if Your cat or dog needs in-patient veterinary treatment as a result of an injury which occurred whilst Your cat or dog was being cared for by a friend, relative, professional carer, kennel or cattery in the UK whilst You were on Your Trip.
The most we will pay
The most We will pay for each incident is £250.
What is not covered
We will not pay any claim:
1. if You do not have written confirmation from Your vet giving details of the injury or accident and the number of days that Your cat or dog has been an in-patient; or
2. for anything mentioned in the General Exclusions applicable to the whole Travel insurance policy and the policy exclusions in Your Home insurance Policy Booklet.

Travel Assistant Your practical travelling companion
Before you go and while youre away Norwich Union Travel Assistant is your round-the-clock travel helpline. It offers practical information on countries youre visiting, advice on a wide range of travel issues and can also help you deal with emergencies abroad.
Call Travel Assistant on 01603 208041* - 24 hours a day, 7 days a week, 365 days a year.
But please dont call this number for policy queries or changes.
Before you go
Travel Assistant can give you advice on:
- any visa and entry permits you may need;
- vaccination and inoculation requirements
- and where you can get them done;
- what you should take with you regarding first-aid and health;
- which currencies and travellers cheques to take with you and the current exchange rates; and
- the languages spoken, time zones and details of countries you plan to visit.
While youre away
Your Travel Assistant is also there to help you during your trip, with advice and guidance on:
- replacing lost or stolen passports, driving licences, air tickets, or other travel documents;
- tracing your luggage with the airline operator if its delayed or lost;
- why, how, where and when you should contact local embassies or consulates;
- how and where to cancel your credit cards if theyre lost or stolen; and
- how to transfer money out to you.
And if you have to go to hospital, Travel Assistant can contact relatives, friends or employers.
While youre travelling, Travel Assistant can also provide:
- a phone homeservice in an emergency; and
- a translation and interpretation service.
Please note: you may be charged for some services and you'll also have to pay any travel costs resulting from the advice youre given.
Live UK traffic and travel information Just dial 1745 from your Vodafone, O2 or Orange mobile phone for up-to-the minute traffic information on over 8,000 miles of the UKs motorways and major trunk roads. Your network tariffs apply.
*For our joint protection, telephone calls may be recorded and/or monitored.

Leisure and winter sports activities
Please note that Your travel insurance automatically covers You for all the following activities if You take part in them on a recreational basis during Your Trip.
Leisure activities
Archery (under supervision)
Badminton
Beach cricket, football and volleyball
Body boarding?
Bowls
Canoeing, kayaking and rafting (grades 1 & 2 only)
Clay-pigeon shooting (under supervision)
Curling
Cycling (no BMX, mountain biking or racing)
Dinghy sailing*? (inland or coastal waters only and no racing)
Fell walking
Fencing (protective gear must be worn)
Fishing (no deep sea fishing)
Go karting? (crash helmet must be worn)
Golf
Hiking (up to 2000 metres altitude)
Hill walking (up to 2000 metres altitude)
Horse riding/hacking (no hunting, jumping or polo)
Hot air ballooning (passenger only and organised through Your tour operator)
Ice skating (no hockey or speed skating)
Jet skiing?
Motorcycling up to 125cc? (see Important information)
Parascending (over water)
Pony trekking
Racquetball
Rambling (up to 2000 metres altitude)
Roller blading or skating (protective gear must be worn)
Rounders
Rowing (inland waters only)
Safari (camera only and organised through Your tour operator)
Sail boarding?
Scuba diving (up to 30 metres)??
Snorkelling
Squash
Surfing?
Swimming
Table tennis
Tennis
Trampolining
Trekking (up to 2000 metres altitude)
Tug of war
Water polo
Water skiing?
Wind surfing?
Yachting*? (inland or coastal waters only and no racing)
Important notes
If You take part in a leisure activity that is not listed, cover will be excluded. If Your Trip is for the sole purpose of taking part in a leisure activity that is listed on page 14, cover will be excluded.
This insurance does not cover You while You are taking part in any leisure activity:
- either as a professional or where You receive any financial reward or gain; or
- where You are competing in or practising for speed or time trials, sprints or racing of any kind.
Winter sports activities
The following winter sports activities are only covered for all Insured persons if this option has been selected by You and it is shown on Your Policy Schedule.
Cross-country skiing (on recognised paths)
Dry slope skiing
Off-piste skiing??
Off-piste snowboarding??
Skiing (on recognised pistes)
Sledging
Snowboarding (on recognised pistes)
Snow mobiling?
Snow shoeing
Important notes
If You take part in a winter sports activity that is not listed, cover will be excluded.
This insurance does not cover You while You are taking part in any winter sports activity:
a. unless the cover is shown on Your Policy Schedule;
b. either as a professional or where You receive any financial reward or gain; or
c. where You are competing in or practising for speed or time trials, sprints or racing of any kind.

General Exclusions
General exclusions which apply to the whole travel policy section.
This policy does not cover the following:
1. Any consequence whatsoever which is the direct or indirect result of any of the following, or anything connected with any of the following, whether or not contributed to by any other cause or event:
- war;
- invasion;
- act of a foreign enemy;
- hostilities or warlike operation or operations (whether war has been declared or not);
- civil war;
- revolution, rebellion or insurrection;
- civil commotion which is of such severity or magnitude that it can amount to or be likened to an uprising;
- military power (even if properly authorised by the duly elected government);
- usurped power;
- any action taken to prevent, control or suppress, or which in any way relates to, any of the above.
2. Claims directly or indirectly caused by:
a. ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from burning nuclear fuel;
b. the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear part of an assembly; or
c. pressure waves caused by aircraft and other aerial devices travelling at sonic or supersonic speeds.
3. Death, injury, illness or disability resulting from suicide or attempted suicide, exposure to danger which can reasonably be predicted (unless You are trying to save human life), sexually transmitted diseases or You being under the influence or effect of alcohol or drugs (other than drugs taken under medical supervision and not for treating drug addiction).
4. Any indirect or consequential loss that is not described in this policy.
5. Any claim arising, directly or indirectly, from the failure, or fear of failure, of equipment or computer program to recognise or correctly interpret or process any date as the true or correct date, or to continue to work correctly after that date. This exclusion does not apply to the emergency medical and associated expenses, Hospital benefit or Personal accident sections.

General Exclusions
General exclusions which apply to the whole travel policy section.
This policy does not cover the following:
5. Any claim arising, directly or indirectly, from the failure, or fear of failure, of equipment or computer program to recognise or correctly interpret or process any date as the true or correct date, or to continue to work correctly after that date. This exclusion does not apply to the emergency medical and associated expenses, Hospital benefit or Personal accident sections.

General Conditions
General conditions which apply to the whole travel policy section.
1. You must pay Us back any amount which We have paid which You are not covered for.
2. You must tell Us as soon as possible after any injury, illness, incident or redundancy, or if You discover any loss or damage which may lead to a claim under this policy. You must also tell Us if You are aware of any writ, summons or prosecution. You must send Us every communication relating to a claim immediately.
3. You, or any person acting for You, must not negotiate, admit or reject any claim without Our permission in writing.
4. We may refuse to pay any expenses for which You cannot provide receipts or bills.
5. You or Your legal representative must pay for any certificates, information and evidence, which We may need.
When there is a claim for injury or illness, We may ask for, and will pay for, any Insured person to be medically examined on Our behalf.
We may also ask for, and will pay for, a post-mortem examination if any Insured person dies.
6. If, at the time of an incident which results in a claim under this policy, there is any other insurance covering the same loss, damage, expense or liability,We are entitled to approach that insurer for a contribution towards the claim, and will only pay Our share. This condition does not apply to the Personal accident or Hospital benefit sections.
7. We are entitled to take over and carry out in Your name the defence or settlement of any legal action. We may also take proceedings at Our own expense and for Our own benefit, but in Your name, to recover any payment We have made under this policy to anyone else.
8. You cannot transfer Your rights under this policy. A person, partnership (whether limited or not) or company who is not named on the Policy Schedule for this policy has no rights under the Contracts (Rights of Third Parties) Act 1999 to enforce any of its terms.
9. If You make a medical claim You may be asked to supply Your UK Doctors name to enable Us to access Your medical records. This will help the treating Doctors, and Us, to provide You with the most appropriate treatment and assess whether cover applies. If You do not agree to provide this We may not deal with Your claim.
10. Following the expiry of any statutory cooling-off period You continue to have the right to cancel the travel section of Your policy at any time but no refund of premium will be available.
We (or any agent We appoint and who acts with Our specific authority) may cancel this policy by sending 14 days notice to Your last known address.
If Your Home insurance is cancelled all cover under the travel section will end from the same date.
Fraud
If You, or anyone acting for You, make a claim under this policy knowing the claim to be dishonest or intentionally exaggerated or fraudulent in any way, or if You give any false declaration or statement to support the claim, We will not pay the claim and all cover under the policy will end. We reserve the right to tell the police about any dishonest claim.