Primary Essential

31 days

SECTION B1 - EMERGENCY MEDICAL AND TREATMENT EXPENSES
What You Are Covered For:
If you suffer an unforseen illness or bodily injury during the trip, we will pay up to the amount shown in the Schedule of Benefits on page 2 for up to 12 months after the start date of the treatment for:
a) Emergency Medical and Treatment expenses
- reasonable and customary medical, surgical and hospital expenses incurred outside the UK
- emergency dental treatment for the immediate relief of pain up to £250.
We reserve the right to repatriate you, when in the opinion of our medical advisors, you are fit to travel. If you refuse to be repatriated all cover under the policy will cease.
b) Funeral and Repatriation expenses
If you die during the trip the we will pay for the following:
- the funeral expenses in the country where your death occurs up to £3,000 or
- the cost of returning your body or ashes home
c) Travel and accommodation expenses
- Reasonable additional travel and room only accommodation expenses incurred by you, as a result of you receiving medical advice from a registered Doctor in attendance and Primary Assist that your originally planned return journey home to the UK, is impossible due to medical reasons. This includes, if deemed medically necessary, reasonable additional transport or accommodation expenses for one person travelling with you to remain with you. The most the we will pay for accommodation costs is £1,000 per person.
What You Are Not Covered For:
We will not pay for the following in addition to the General Exclusions on page 9 & 10 in connection with claims made under section B:
- the excess as shown in the Schedule of Benefits on page 2
- any costs or expenses, if you or your representative have not advised Primary Assist and received their agreement to these costs, in the event of you:
a) dying; or
b) incurring medical or treatment expenses above £300; or
c) being involved in an accident; or
d) being admitted to hospital; or
e) curtailing your trip due to medical reasons; or
f) missing your flight due to medical reasons
- any medical costs or expenses, if you are in Australia and you have not enrolled with Medicare
- any medical, hospital or treatment expenses in the UK
- any medical, hospital, treatment, funeral or repatriation expenses if you:
a) any claims arising directly or indirectly from any medical condition which would require you or any of your travelling companions to answer yes to the MEDICAL SCREENING QUESTIONS on page 1 unless declared to and accepted by us.
b) claims, irrespective of your destination, (for you or anyone else on whom your trip depends) arising directly or indirectly from;
i) travelling or acting against medical advice
ii) awaiting results of tests or medical investigations
iii) being on a hospital waiting list for treatment
iv) having received a terminal prognosis
v) anxiety, stress or depression (unless admitted as an in-patient)
vi) your failure to disclose a material fact at the time your policy commences and throughout the period of insurance.
- any medical, hospital, treatment expenses, which in the opinion of the our medical advisors, are not essential or can be reasonably delayed until your return home to the UK
- any costs arising from you arranging a single or private accommodation room in a hospital, clinic or nursing home
- dental treatment which is not for the purpose of relieving immediate pain or suffering
- any medical, hospital or treatment expenses, which have not been authorised at the time by a recognised registered medical practitioner
- any medical, hospital or treatment expenses, which you have incurred after you have refused the offer of repatriation when, in the opinion of our medical advisors, you are fit to travel
- any physiotherapy or associated treatment costs, if they are not part of an on-going treatment programme for a serious injury, which in the opinion of our medical advisors, cannot be reasonably delayed until your return home
- non continuous treatment
- any up-grades from economy class travel, unless our medical advisors specify this necessary on medical grounds
- any costs or expenses if you do not have a pre-paid return ticket to the UK, or the country in which you are temporarily residing, at the start of your trip
- any medication or drugs which you know you will need at the start of the trip
- the cost of any treatment or surgery, including exploratory tests, which are not directly related to the illness or injury, for which you went into hospital or clinic abroad
- any costs of providing, repairing or replacing dentures, dental work involving the use of precious metals, false limbs, hearing aids, contact or corneal lenses or prescription spectacles
- you may not claim under this section B (Emergency Medical and Treatment Expenses) and section A1 (Loss of Deposit, Cancellation & Curtailment) in respect of the same additional accommodation or travel expenses.
- Losses arising within 25 miles of your home
- cosmetic surgery and all expenses incurred in connection with cosmetic surgery
- services and supplies to the extent that they are not usual, customary and reasonable or not prescribed by a legally qualified medical practitioner in accordance with similar accepted provisional medical standards.

SECTION G - PERSONAL ACCIDENT
What You Are Covered For:
We will pay you or your estate a lump sum, as shown in the Schedule of Benefits on page 2, if you suffer bodily injury as a result of an accident during your trip which causes:
1) your death; or
2) permanent loss of limb(s); or
3) permanent loss of sight in one or both eyes; or
4) permanent total disablement.
What You Are Not Covered For:
We will not pay for the following in addition to the General Exclusions on page 9 & 10 in connection with claims made under section G:
- any benefit as a result of participating in a hazardous sport & leisure activity, unless you have paid the additional premium prior to travel and cover is confirmed on your certificate.
- any benefit where your death, injury or loss does not occur within 180 days of the accident
- any benefit if you cannot prove to the us that the permanent total disablement has continued for 12 months from the date of the injury and in all probability will continue for the remainder of your life
- more than one lump sum under this section.
- any claim for permanent total disablement if at the date of the accident you are over the statutory age of retirement and not in full time paid employment
- any claim arising directly or indirectly from the contracting of any disease or illness
- any claim arising directly or indirectly from the injection or ingestion of any substance
- any claim arising from any event, which exacerbates a previously existing bodily injury
- any claim not certified by an independent medical practitioner
- compensation shall not be payable under more than one of items 1, 2, 3 or 4 in respect of the same accident, and the payment under any one item shall terminate our liability under this section of the policy.

SECTION C - HOSPITAL BENEFIT
What You Are Covered For:
i) Hospital Benefit
We will pay you the amount shown in the Schedule of Benefits on page 2, for each and every completed period of 24 hours for which you are an in-patient in a hospital, as a direct result of an accidental injury or illness which is covered under Section C.
What You Are Not Covered For:
We will not pay for the following in addition to the General Exclusions on page 9 & 10 in connection with claims made under section C, if you:
- are an in-patient at a hospital or clinic in the UK
- are not receiving continuous treatment
- are an in-patient at a hospital or clinic, which has not been authorised and arranged by Primary Assist, as detailed on page 1.

SECTION B1 - EMERGENCY MEDICAL AND TREATMENT EXPENSES
What You Are Covered For:
If you suffer an unforseen illness or bodily injury during the trip, we will pay up to the amount shown in the Schedule of Benefits on page 2 for up to 12 months after the start date of the treatment for:
a) Emergency Medical and Treatment expenses
- reasonable and customary medical, surgical and hospital expenses incurred outside the UK
- emergency dental treatment for the immediate relief of pain up to £250.

SECTION B1 - EMERGENCY MEDICAL AND TREATMENT EXPENSES
What You Are Covered For:
If you suffer an unforseen illness or bodily injury during the trip, we will pay up to the amount shown in the Schedule of Benefits on page 2 for up to 12 months after the start date of the treatment for:
b) Funeral and Repatriation expenses
If you die during the trip the we will pay for the following:
- the funeral expenses in the country where your death occurs up to £3,000 or
- the cost of returning your body or ashes home

SECTION B1 - EMERGENCY MEDICAL AND TREATMENT EXPENSES
What You Are Covered For:
If you suffer an unforseen illness or bodily injury during the trip, we will pay up to the amount shown in the Schedule of Benefits on page 2 for up to 12 months after the start date of the treatment for:
b) Funeral and Repatriation expenses
If you die during the trip the we will pay for the following:
- the funeral expenses in the country where your death occurs up to £3,000 or
- the cost of returning your body or ashes home

SECTION M2 - PERSONAL MONEY
What You Are Covered For:
We will pay for the loss or theft of your personal money carried on your person or deposited in a safe, safety deposit box or similar locked fixed container in your trip accommodation, during your trip, up to the amount shown in the Schedule of Benefits on page 2.
What You Are Not Covered For:
We will not pay for the following in addition to the General Exclusions on page 9 & 10 in connection with claims made under section M2:
- the excess as shown in the Schedule of Benefits on pages 2
- any loss or theft of personal money if you have not notified the Police within 24 hours of its discovery by you and obtained a written report, which includes the crime reference number
- any claim, if the loss or theft occurs whilst in the custody of an airline or other carrier.
- any loss, if you have not taken reasonable steps to prevent a loss happening
- loss or theft of personal money that is:
- not on your person; or
- not deposited in a safe, safety deposit box or similar locked fixed container in your trip accommodation
- loss or theft of travellers cheques, if the issuer provides a replacement service
- depreciation in value, currency changes, shortage caused by any error or omission, loss or damage arising from delay, seizure, confiscation or detention by Customs or other officials.

SECTION I - LEGAL EXPENSES
What You Are Covered For:
We will pay, up to the amount shown in the Schedule of Benefits on page 2, for legal costs and expenses incurred in pursuing legal proceedings against third parties for compensation and damages arising from or out of your death, serious injury or illness during your trip.
Conditions Applicable to Section G
We will have complete control over the appointment of any solicitor(s) acting on your behalf and of any legal proceedings.
We will be entitled to repayment of any amounts paid under this section in the event that you are awarded legal costs as part of any judgement or settlement.
What You Are Not Covered For:
We will not pay for the following in addition to the General Exclusions on page 9 & 10 in connection with claims made under section I:
- the excess as shown in the Schedule of Benefits on pages 2
- any costs or expenses which have been incurred without our prior approval
- any claim where we consider your prospect of success in achieving a reasonable benefit to be insufficient
- any claim emerging from the pursuance to a contingent fee agreement between you and your counsel
- any claim for travel and accommodation expenses which you have incurred whilst pursuing legal action
- any claim arising from you pursuing legal proceedings as part of and (or) on behalf of a group or organisation
- any claim for legal costs where you are pursuing a legal action against your agent, TPS (Insurance Admin Services) Ltd, UK Underwriting Limited, Primary Assist or any other Primary Group Company
- any claim against any member of your family or travelling companion
- any claim for legal costs where you are pursuing legal action relating directly or indirectly to medical negligence or alleged medical negligence

SECTION M1 - PERSONAL EFFECTS AND BAGGAGE
What You Are Covered For:
2) Travel Documents -
We will pay for any reasonable expenses you incur, whilst obtaining emergency replacement passports, green cards, visas and accommodation vouchers or travel tickets which have been lost or stolen during the trip, up to the amount shown in the Schedule of Benefits on page 2.

SECTION M1 - PERSONAL EFFECTS AND BAGGAGE
What You Are Covered For:
1) Personal effects and baggage -
We will pay for the loss or theft of or damage to your personal effects, after making reasonable allowance for wear, tear and depreciation, up to the amount shown in the Schedule of Benefits on page 2.

SECTION M1 - PERSONAL EFFECTS AND BAGGAGE
What You Are Covered For:
1) Personal effects and baggage -
We will pay for the loss or theft of or damage to your personal effects, after making reasonable allowance for wear, tear and depreciation, up to the amount shown in the Schedule of Benefits on page 2.
2) Travel Documents -
We will pay for any reasonable expenses you incur, whilst obtaining emergency replacement passports, green cards, visas and accommodation vouchers or travel tickets which have been lost or stolen during the trip, up to the amount shown in the Schedule of Benefits on page 2.
3) Baggage delay -
We will pay for the purchase of essential items, up to the amount shown in the Schedule of Benefits on page 2, if your personal effects are delayed or lost in transit on your outward journey for more than 12 hours.
What You Are Not Covered For:
We will not pay for the following in addition to the General Exclusions on page 9 & 10 in connection with claims made under section M1:
- the excess as shown in the Schedule of Benefits on pages 2
- claims for theft of your personal effects and baggage if you have not notified the Police within 24 hours of its discovery and obtained a written report, which includes the crime reference number
- more than the single item limits in the Schedule of Benefits on page 2, up to a maximum shown in the Schedule of Benefits on page 2 in total for any one claim, if you are unable to provide the original receipt, proof of purchase or an insurance valuation which was obtained prior to the loss
- any claim if the loss, damage or theft occurs during a journey or whilst in the custody of an airline or other carrier, and you have not notified the carrier or their handling agent of the incident and obtained an official report or a Property Irregularity Report (PIR)
- wear, tear, or depreciation
- loss, theft or damage arising from the delay, detention, seizure or confiscation by Customs or other officials
- damage caused by the leakage of powder or liquid carried within your personal effects or baggage
- any breakage of fragile articles, unless the breakage is caused by fire or an incident involving the vehicle in which you are being carried
- theft from your holiday accommodation unless there is evidence of violent, visible and forcible entry thereto
- claims arising for loss to stamps, contact or corneal lenses, non-prescription sunglasses, hearing aids, dentures, false limbs, antiques, satellite navigation equipment of any kind and mobile phones
- claims arising for loss, theft or damage to prams, buggies, wheelchairs, pedal cycles, motor vehicles, marine equipment, diving equipment, watercraft, surfboards or sports equipment
- damage to, or loss or theft of your personal effects or baggage, if they have been left:
a) in the custody of a person of anyone other than an insured person or your travelling companion
b) in an unattended motor vehicle between the hours of 9am and 8pm local time, unless the articles are contained in a locked boot, locked glove compartment or covered luggage compartment and there is evidence of forced entry which is confirmed by a Police report.
- more than £100 for damage to or loss or theft of your personal effects or baggage if they have been left in an unattended motor vehicle between the hours of 8 pm and 9 am local time, and the articles are contained in a locked boot or covered luggage compartment and there is evidence of forced entry which is confirmed by a Police report.
- loss or damage to sports equipment, whilst in use
- loss, theft or damage to anything being shipped as freight under a Bill of Lading, dentures, bridgework, artificial limbs, hearing aids of any kind, or items being carried on a vehicle roof rack
- loss, theft or damage to valuables, which at the time of such loss, theft or damage were located in checked-in luggage or an unattended motor vehicle
- any claim for baggage delay if you cannot supply receipts for the essential items purchased and written confirmation from the carrier as to the length of delay.
- Loss, theft or damage arising from:
a) mechanical or electrical breakdown; or
b) moth or vermin; or
c) processes of cleaning, restoring or repairing.

SECTION M1 - PERSONAL EFFECTS AND BAGGAGE
What You Are Covered For:
1) Personal effects and baggage -
We will pay for the loss or theft of or damage to your personal effects, after making reasonable allowance for wear, tear and depreciation, up to the amount shown in the Schedule of Benefits on page 2.
2) Travel Documents -
We will pay for any reasonable expenses you incur, whilst obtaining emergency replacement passports, green cards, visas and accommodation vouchers or travel tickets which have been lost or stolen during the trip, up to the amount shown in the Schedule of Benefits on page 2.
3) Baggage delay -
We will pay for the purchase of essential items, up to the amount shown in the Schedule of Benefits on page 2, if your personal effects are delayed or lost in transit on your outward journey for more than 12 hours.
What You Are Not Covered For:
We will not pay for the following in addition to the General Exclusions on page 9 & 10 in connection with claims made under section M1:
- the excess as shown in the Schedule of Benefits on pages 2
- claims for theft of your personal effects and baggage if you have not notified the Police within 24 hours of its discovery and obtained a written report, which includes the crime reference number
- more than the single item limits in the Schedule of Benefits on page 2, up to a maximum shown in the Schedule of Benefits on page 2 in total for any one claim, if you are unable to provide the original receipt, proof of purchase or an insurance valuation which was obtained prior to the loss
- any claim if the loss, damage or theft occurs during a journey or whilst in the custody of an airline or other carrier, and you have not notified the carrier or their handling agent of the incident and obtained an official report or a Property Irregularity Report (PIR)
- wear, tear, or depreciation
- loss, theft or damage arising from the delay, detention, seizure or confiscation by Customs or other officials
- damage caused by the leakage of powder or liquid carried within your personal effects or baggage
- any breakage of fragile articles, unless the breakage is caused by fire or an incident involving the vehicle in which you are being carried
- theft from your holiday accommodation unless there is evidence of violent, visible and forcible entry thereto
- claims arising for loss to stamps, contact or corneal lenses, non-prescription sunglasses, hearing aids, dentures, false limbs, antiques, satellite navigation equipment of any kind and mobile phones
- claims arising for loss, theft or damage to prams, buggies, wheelchairs, pedal cycles, motor vehicles, marine equipment, diving equipment, watercraft, surfboards or sports equipment
- damage to, or loss or theft of your personal effects or baggage, if they have been left:
a) in the custody of a person of anyone other than an insured person or your travelling companion
b) in an unattended motor vehicle between the hours of 9am and 8pm local time, unless the articles are contained in a locked boot, locked glove compartment or covered luggage compartment and there is evidence of forced entry which is confirmed by a Police report.
- more than £100 for damage to or loss or theft of your personal effects or baggage if they have been left in an unattended motor vehicle between the hours of 8 pm and 9 am local time, and the articles are contained in a locked boot or covered luggage compartment and there is evidence of forced entry which is confirmed by a Police report.
- loss or damage to sports equipment, whilst in use
- loss, theft or damage to anything being shipped as freight under a Bill of Lading, dentures, bridgework, artificial limbs, hearing aids of any kind, or items being carried on a vehicle roof rack
- loss, theft or damage to valuables, which at the time of such loss, theft or damage were located in checked-in luggage or an unattended motor vehicle
- any claim for baggage delay if you cannot supply receipts for the essential items purchased and written confirmation from the carrier as to the length of delay.
- Loss, theft or damage arising from:
a) mechanical or electrical breakdown; or
b) moth or vermin; or
c) processes of cleaning, restoring or repairing.

SECTION A1 - CANCELLATION AND CURTAILMENT, LOSS OF DEPOSIT
What You Are Covered For:
We will pay, up to the amount shown in the Schedule of Benefits on page 2 for your proportion of the irrecoverable cancellation costs which you have paid or agreed to pay and which you cannot recover from any source, if it is necessary and unavoidable to cancel or curtail your trip as a result of:
a) death, serious injury or illness, during the period of insurance of:
- you; or
- a person you are travelling with; or
- a relative; or
- a close business associate who lives in the UK; or
- a friend or relative who lives abroad with whom you have made arrangements for the provision of holiday accommodation where your holiday involves staying in such persons home and is dependent upon such persons well being.
b) you or the person you are travelling with:
- being required in the UK for jury service, as a witness in a Court of Law; or
- being under compulsory quarantine; or
- being required to be present by the Police, as a result of your home or your travelling companions home or usual place of business in the UK suffering a burglary within 7 days of the start of, or during your trip; or
- suffering fire, theft, storm, flood damage to your home or to your travelling companions home within 7 days of the start of, or during your trip where you or your travelling companions presence is required either by the Police or the insurers at your or your travelling companions home; or
- being made redundant; or
- receiving emergency requirements of duty in the Armed Forces, Police, Nursing or Ambulance Services.
In addition, if you have booked a self drive holiday and it is necessary to cancel your trip as a result of your vehicle being involved in an accident within 7 days of your intended trip duration, we will pay for your proportion of the costs which you have paid or agreed to pay and which you cannot recover from any source.
What You Are Not Covered For:
We will not pay for the following in addition to the General Exclusions on page 9 & 10 in connection with claims made under section A:
- the excess as shown in the Schedule of Benefits on page 2.
- any claim for curtailment which has not been approved by the Primary Assist, prior to your return to the UK
- any claim which is not supported by written medical confirmation and clinical reports from medical service providers as well as other proof of the happening of an event causing you to cancel or curtail your trip
- any costs which you have paid or agreed to pay, if your trip is cancelled or curtailed for the following reasons:
a) any claims arising directly or indirectly from any medical condition which would require you or any of your travelling companions to answer yes to the MEDICAL SCREENING QUESTIONS on page 1, unless declared to and accepted by us.
b) claims, irrespective of your destination, (for you or anyone else on whom your trip depends) arising directly or indirectly from;
i) travelling or acting against medical advice
ii) awaiting results of tests or medical investigations
iii) being on a hospital waiting list for treatment
iv) having received a terminal prognosis
v) anxiety, stress or depression (unless admitted as an in-patient)
vi) your failure to disclose a material fact at the time your policy commences and throughout the period of insurance.
c) you have failed to have any recommended vaccines, inoculations or medications prior to your trip
d) you have failed to get the relevant passport or visa
e) unlawful or criminal proceedings against you or a person you are travelling with
f) redundancy, which is not notified during the period of insurance
g) your personal financial circumstances, other than you being made redundant after the purchase date of the policy
h) your late arrival at the airport or port after check in or booking in time
i) any costs in respect of the following:
i) any claims arising directly or indirectly from the cancellation or curtailment of travel arrangements in any way caused or contributed to by or on the order of any government, public or local authority including but not limited to any civil or federal aviation authority
ii) loss of air passenger duty
iii) unused timeshare property, airmiles or other promotions of this nature
iv) your loss of enjoyment of the trip, however caused
v) your failure to advise us of any material fact prior to the issue of the policy or prior to your departure on your trip
vi) unused portions of your original ticket, where repatriation has been made
vii) your travel expenses for you to return to the UK, if you do not already possess prepaid return travel tickets
viii) any cancellation or curtailment costs which the insurer would not have had to pay, had you notified the travel agent, tour operator or provider of transport or accommodation immediately after you knew you would be cancelling or curtailing your trip
ix) any claim resulting from you or a person you are travelling being posted overseas or receiving an emergency requirement of duty, following an act of terrorism, war or invasion.

SECTION F- MISSED DEPARTURE
What You Are Covered For:
We will pay you, up to the amount shown in the Schedule of Benefits on page 2 for reasonable additional accommodation and travel expenses, if you arrive at your last departure point from the UK or the last departure point for your return trip to the UK, too late to board your booked flight, train or sailing, as a result of the following:
- scheduled public transport services failing to get you to your destination in time due to strike, industrial action, adverse weather conditions or mechanical breakdown, or
- the private motor vehicle in which you were travelling suffering from a mechanical breakdown or failure, or
- the private motor vehicle in which you were travelling being directly involved in a road traffic accident, which resulted in mechanical breakdown or failure.
What You Are Not Covered For:
We will not pay for the following in addition to the General Exclusions on page 9 & 10 in connection with claims made under section F:
- the excess as shown in the Schedule of Benefits on page 2
- any upgrade in accommodation
- any claim arising as a result of you not having taken reasonable steps to complete the journey to the departure point on time once the original occurrence giving rise to the delay is diminished or otherwise rectified
- any claim relating to internal flights
- any claim, if the adverse weather, strike or industrial action was in existence or publicly declared before you started your journey to the departure point
- any claim in respect of mechanical breakdown or failure, if your private motor vehicle, has not been properly serviced and maintained
- any repair costs to your private motor vehicle
- any claims for vehicle breakdown or failure, which are not substantiated by a written report from a rescue service or garage

SECTION D1 & D2 - TRAVEL DELAY AND HOLIDAY ABANDONMENT
What You Are Covered For:
D1 Travel Delay
We will pay you the amount shown in the Schedule of Benefits on page 2, if your planned:
- International outward flight, rail or sea journey on your scheduled departure, or
- International inbound flight, rail or sea journey on your scheduled return is delayed for 12 hours or more, as a direct result of:
- strike or industrial action
- adverse weather conditions
- mechanical breakdown or derangement of such aircraft, sea vessel or train
D2 Holiday abandonment
We will pay, up to the amount shown in the Schedule of Benefits on page 2, for travel and accommodation expenses which you have paid or have contracted to pay, which you cannot recover from any source, if you elect to cancel your trip following a delay of 24 hours or more from the scheduled departure time.
What You Are Not Covered For:
We will not pay the following in addition to the General Exclusions on page 9 & 10 in connection with claims made under section D1 & D2:
- the excess as shown in the Schedule of Benefits on page 2.
- any compensation if you have not got written confirmation from the airline, railway or shipping company or their handling agents, which shows the reason for the delay or cancellation of your holiday, the scheduled departure time and the actual departure time of your flight, rail journey or sailing, if applicable.
- any delay which is due to strike or industrial action which had started or was announced before you took out this policy.
- compensation under both the travel delay and holiday abandonment sections of this policy.
- any claims arising directly or indirectly from the delay of travel arrangements in any way caused or contributed to by or on the order of any Government, public or Local Authority including but not limited to any civil or federal aviation authority.
- your failure to check-in according to the itinerary supplied to you.

SECTION D1 & D2 - TRAVEL DELAY AND HOLIDAY ABANDONMENT
What You Are Covered For:
D1 Travel Delay
We will pay you the amount shown in the Schedule of Benefits on page 2, if your planned:
- International outward flight, rail or sea journey on your scheduled departure, or
- International inbound flight, rail or sea journey on your scheduled return is delayed for 12 hours or more, as a direct result of:
- strike or industrial action
- adverse weather conditions
- mechanical breakdown or derangement of such aircraft, sea vessel or train
D2 Holiday abandonment
We will pay, up to the amount shown in the Schedule of Benefits on page 2, for travel and accommodation expenses which you have paid or have contracted to pay, which you cannot recover from any source, if you elect to cancel your trip following a delay of 24 hours or more from the scheduled departure time.
What You Are Not Covered For:
We will not pay the following in addition to the General Exclusions on page 9 & 10 in connection with claims made under section D1 & D2:
- the excess as shown in the Schedule of Benefits on page 2.
- any compensation if you have not got written confirmation from the airline, railway or shipping company or their handling agents, which shows the reason for the delay or cancellation of your holiday, the scheduled departure time and the actual departure time of your flight, rail journey or sailing, if applicable.
- any delay which is due to strike or industrial action which had started or was announced before you took out this policy.
- compensation under both the travel delay and holiday abandonment sections of this policy.
- any claims arising directly or indirectly from the delay of travel arrangements in any way caused or contributed to by or on the order of any Government, public or Local Authority including but not limited to any civil or federal aviation authority.
- your failure to check-in according to the itinerary supplied to you.

SECTION H - PERSONAL LIABILITY
What You Are Covered For:
We will pay for your legal liability inclusive of all associated legal fees and costs, in total up to the amount shown in the Schedule of Benefits on page 2, for any event which relates to an incident caused by you during the trip which results in:
- injury, illness or disease to another person
- loss or damage to property which does not belong to you or any member of your family and is not in your or a member of your familys custody or control.
In the event of your death we will, in respect of the liability incurred by you, indemnify your personal representatives in the terms of and subject to the limitations of this section, provided that such personal representatives shall act as though they were you and observe, fulfil and be subject to the terms, Exclusions and Conditions of this section insofar as they can apply.
What You Are Not Covered For:
We will not pay for the following in addition to the General Exclusions on page 9 & 10 in connection with claims made under section H:
- the excess as shown in the Schedule of Benefits on pages 2
- the first £200 of each and every claim in respect of loss or damage to temporary holiday accommodation
- bodily injury or disease to any person who, at the time of sustaining such injury or disease, is engaged in your service or to any member of your family or anyone you are travelling with
- damage to property belonging to, or in the care, custody or control of you or a member of your family or a person in your service
- any liability arising out of or incidental to any profession, occupation or business
- any liability which has been assumed under contract and would not otherwise have attached
- any liability, injury, loss or damage arising directly or indirectly from or due to ownership, possession or use of any motorised or mechanical vehicles including any attached trailers or caravans, any aircraft (whatsoever), any watercraft or vessel (other than manually propelled watercraft or vessel) or any other form or motorised leisure equipment
- any liability arising out of ownership, occupation, possession, or use of any land or building (other than occupation only of any temporary residence)
- any liability, injury, loss or damage arising directly or indirectly from or due to ownership, possession or use of any firearms or weapons of any kind
- any liability arising in respect of any willful or criminal act or assault
- any liability, injury, loss or damage arising directly or indirectly from or due to any animals belonging to you or in your care, custody or control

GENERAL EXCLUSIONS WHICH APPLY TO ALL SECTIONS OF THE INSURANCE
This insurance does not cover:
1. any claims arising directly or indirectly from any medical condition which would require you or any of your travelling companions to answer yes to the MEDICAL SCREENING QUESTIONS on page 1 unless declared to and accepted by us.
2. claims, irrespective of your destination, (for you or anyone else on whom your trip depends) arising directly or indirectly from;
i) travelling or acting against medical advice
ii) awaiting results of tests or medical investigations
iii) being on a hospital waiting list for treatment
iv) having received a terminal prognosis
v) anxiety, stress or depression (unless admitted as an in-patient)
vi) your failure to disclose a material fact at the time your policy commences and throughout the period of insurance.
3. which are claims in any way caused or contributed to by:
i) the failure of; or
ii) the fear of the failure of; or
iii) the inability of any equipment or any computer programme to recognise, interpret correctly or process any date as its true calendar date or to continue to function correctly beyond that date other than for loss, damage, expenses or consequential loss not otherwise excluded which itself results from the operation of an insured cause (except claims under sections, B, C and E).
4. which are directly or indirectly caused by, occasioned by, resulting from or in connection with any of the following regardless of any other cause or event contributing concurrently or in any other sequence to the claim:
- act of terrorism; or
- nuclear detonation, reaction, nuclear radiation or contamination, howsoever such nuclear detonation, reaction, nuclear radiation or radioactive contamination may have been caused; or
- war, invasion or warlike operations (whether war be declared or not), hostile acts of sovereign or Government entities, civil war, rebellion, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power or martial law or confiscation by order of any government or public authority; or
- seizure or illegal occupation; or
- confiscation, requisition, detention, legal or illegal occupation, embargo, quarantine, or any result of any order of public or Government authority which deprives you of the use or value of your property, nor for loss or damage arising from acts of contraband or illegal transportation or illegal trade; or
- discharge of pollutants or contaminants, which pollutants and contaminants shall include but not limited to any solid, liquid, gaseous or thermal irritant, contaminant or toxic or hazardous substance or any substance the presence, existence or release of which endangers or threatens to endanger the health, safety or welfare of persons or the environment; or
- chemical or biological release or exposure of any kind; or
- attacks by electronic means including computer hacking or the introduction of any form of computer virus; or
- threat or hoax, in the absence of physical damage due to an act of terrorism; or
- any action taken in controlling, preventing, suppressing or in any way relating to any act of terrorism
- prohibitive regulations by the Government of any Country
- the tour operator, coach operator, transport company or hotel:
- causing a delay in the commencement of the holiday
- levying a surcharge, thus increasing the basic brochure price of the holiday
- failure to notify the hotel or holiday establishment, or tour operator or travel agent or booking agent or provider of transport immediately it is found necessary to cancel or curtail the travel arrangements
5. from you travelling against Foreign Office advice or where it is deemed unsafe for you to travel
6. From you travelling against any health requirements stipulated by the carrier, their handling agents or any other public transport provider
7. from loss or destruction of, or damage to any property whatsoever, or any loss or expense whatsoever resulting in or arising there from, or any consequential loss or any legal liability of whatsoever nature, directly or indirectly caused by or contributed to, or arising from:
- ionising radiation or contamination by radioactivity from any nuclear fuel, or from any nuclear waste from burning of nuclear fuel, or
- the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof
8. from you engaging in any illegal or criminal act
9. any unlawful act or criminal proceedings against the insured, or any other person on whom the holiday plans depend except this exclusion shall not apply in the event of your obligation to attend a Court of Law under subpoena as a witness, unless such obligation to attend falls within your occupational, professional or other similar capacity
11. from any consequential loss whatsoever (claims shall only be paid for those losses which are specifically stated under the terms of this policy, except as provided in Section M1, relating to loss of travel documents)
12. directly or indirectly out of your financial incapacity other than redundancy
13. which, but for the existence of this policy, would be covered under any other
- insurance policy (policies), including any amounts recovered by you from private health insurance; or
- EHIC payments; or
- any reciprocal health agreements; or
- airlines; or
- hotels; or
- home contents insurers; or
- any other recovery by you, which is the basis of a claim.
14. from the tour operator, airline or any other company, firm or person either becoming insolvent or being unable to or unwilling to fulfil any part of their obligation
15. from your death, serious injury or illness as a result of participating in:
- a hazardous sport & leisure activity whilst on your trip, unless you have paid the additional premium prior to travel and cover is confirmed on your certificate.
- wintersports, if you have not paid the additional premium before your trip departure and it is not shown on your certificate
- any of the above, if you are receiving any personal financial reward or gain during the period of insurance, unless we have agreed to this and you have paid the appropriate additional premium
16. from:
- wilful, self inflicted injury or illness; or
- committing or attempting to commit suicide; or
- wilful exposure to danger, except in an attempt to save a human life; or
- solvent abuse; or
- being under the influence of alcohol or drugs, except those prescribed by a registered Doctor and not those drugs prescribed for drug addiction; or
- a failure to obtain any recommended vaccines, inoculations or medications prior to your trip departure; or
- sexually transmitted diseases; or
- Acquired Immune Deficiency syndrome (AIDS); or
- HIV (Human Immunodeficiency Virus) and/or any HIV related illness and/or any mutant derivative or variations thereof
17. from anxiety, stress or depression; except where previously undiagnosed at the time you took out this policy
18. from you entering into, exiting from an aircraft or descending from an aircraft; which is not a fully licensed passenger carrying aircraft in which you are travelling as a passenger or a member of the crew for the purpose of undertaking any trade or technical operation therein or thereon
19. from your wilful exposure to peril. You must exercise reasonable care to prevent illness, injury or loss or damage to your property as if uninsured
20. directly or indirectly from you being engaged in any employment during your trip unless agreed by us and any additional premium paid
21. which have not been proven and the amount of the claim substantiated
22. claims for loss of enjoyment, however caused.
23. any loss whereby any period of disability or loss whatsoever is increased through your own act or omission
24. third party rights and no party other than you may claim benefit under the terms of this insurance
25. failure in provision of any part of the booked itinerary including error, omission, or default by the provider of any service forming part of the booked itinerary.

GENERAL EXCLUSIONS WHICH APPLY TO ALL SECTIONS OF THE INSURANCE
This insurance does not cover:
4. which are directly or indirectly caused by, occasioned by, resulting from or in connection with any of the following regardless of any other cause or event contributing concurrently or in any other sequence to the claim:
- act of terrorism;

GENERAL EXCLUSIONS WHICH APPLY TO ALL SECTIONS OF THE INSURANCE
This insurance does not cover:
4. which are directly or indirectly caused by, occasioned by, resulting from or in connection with any of the following regardless of any other cause or event contributing concurrently or in any other sequence to the claim:
- act of terrorism;

GENERAL EXCLUSIONS WHICH APPLY TO ALL SECTIONS OF THE INSURANCE
This insurance does not cover:
3. which are claims in any way caused or contributed to by:
i) the failure of; or
ii) the fear of the failure of; or
iii) the inability of any equipment or any computer programme to recognise, interpret correctly or process any date as its true calendar date or to continue to function correctly beyond that date other than for loss, damage, expenses or consequential loss not otherwise excluded which itself results from the operation of an insured cause (except claims under sections, B, C and E).

GENERAL CONDITIONS WHICH APPLY TO YOUR WHOLE POLICY
1. It is a condition that all material facts have been disclosed to us. Failure to do so may affect your rights under this insurance. Following a change in material fact disclosed to us by you during the period of insurance, we reserve the right to amend or cancel your insurance, providing you with a pro-rata refund of premium. If you are in any doubt as to whether a fact is 'material', then for your own protection it should be disclosed to us.
2. You must tell us as soon as possible about any change in risk which affects your policy, including you, a person you are travelling with, a close business associate or relative receiving confirmation of a medical condition or currently being under medical investigation, a change in the sporting or leisure activities you intend to participate in during your trip or any additional person(s) to be insured under the policy.
We have the right to reassess your policy and premium after you have advised us of any relevant information. If you do not advise us of all the relevant information, we may quote the wrong terms, reject or reduce your claim, or your policy may become invalid.
3. You must be resident in the UK and registered with a medical practitioner in the UK at the time of taking out this policy and intend to return to the UK within the trip duration.
4. If your cover does not meet your requirements, please notify us within 14 days of receiving your policy and return all your documents for a refund of your premium. If during this 14-day period you have travelled, made a claim or intend to make a claim, we are entitled to recover all costs we have incurred for your use of those services.
5. Whilst participating in any hazardous sport & leisure activity, you must take reasonable care at all times to ensure your own safety and the safety of those around you. Such reasonable care involves following the directions of any instructor and (or) expedition leader and following the normal and reasonable safety procedures suggested or recommended by the recognised controlling body of the sport or activity concerned, or the safety procedures commonly exercised in pursuing the sport or activity in question at all times.
6. You or your legal representatives must provide us with all policies, information and evidence they require and in the format they require.
7. You shall submit to medical examination at your expense, except post mortem which we reserve the right to have undertaken at our own expense.
8. Any items which become the subject of a claim for damage, must be retained, until your claim is settled, for our inspection and shall be forwarded to their Agents upon request at your or your legal personal representatives expense. All such items shall become our property following final settlement of the claim.
9. In the event of any occurrence which may give rise to a claim under this policy, you must take all reasonable steps to minimise any loss arising out of such a claim.
10.You must exercise due care and attention at all times for the safety of your property and take all reasonable steps to prevent accident, loss or damage.
11.Each insured person shall be deemed to be insured separately
12. Costs will be limited to those that would have been incurred if you were a resident of the UK.
13. You must notify any claim to us within 31 days after the incident giving rise to the loss. All documents, certificates and medical evidence required in support of a claim should be furnished at your expense. We will reserve the right to decline liability for any claim notified after this date.
14. This insurance is non-transferable. No premium will be refunded, either in full or on a prorata basis, after the expiry of the initial 14 day cooling off period.
15. This policy shall be governed by and construed in accordance with the Law of England and Wales unless the insureds habitual residence (in the case of an individual) or central administration and/or place of establishment is located in Scotland in which case the Law of Scotland shall apply.
16. We may, at its own expense, take proceedings in your name to recover compensation or secure an indemnity from any third party in respect of any loss or damage covered by this insurance and any amount so recovered shall belong to the insurer. Where a full recovery is made, we agree to return your excess.
17. Our liability shall be conditional upon the observance by you of the terms and conditions of this insurance and the truth and completeness of the statements and answers supplied by you and on your behalf. If a claim is in any respect false or if any fraudulent means or devices are used by you or anyone acting on your behalf to obtain any benefits from this insurance, all benefits under this insurance shall be forfeited and no return of premium shall be due.
18. If at the time of loss, damage or liability covered under this policy, you have any other insurance or guarantee which covers the same loss, damage or liability, we will only pay a rateable share of the claim (excluding Section G Personal Accident).

POLICY EXCESSES
Under most sections of the policy, claims will be subject to an excess. The excess will be applied per person, per section and per incident under which a claim is made. This means that you will be responsible for the first part of the claim. The amount you have to pay is the excess.

RECIPROCAL HEALTH AGREEMENTS: EHIC/MEDICARE
If you are travelling to European Union countries you should obtain a European Health Insurance Card (EHIC) postal application form from your local Post Office. You can also apply either online through www.dh.gov.uk/travellers or by telephoning 0845 606 2030. This will entitle you to benefit from the reciprocal health agreements, which exist between certain European countries. In the event of a claim being accepted for medical expenses which has been reduced by the use of an EHIC, or Private Health Insurance, the deduction of the excess under section B1 will not apply. When you are travelling to Australia and you have to go to hospital, you must register for treatment under the national Medicare scheme.

There is an excess of £100 for all claims made under this section.
For persons travelling to Spain, Cyprus or Turkey the excesses are as follows:
Insured person up to and including age 40 - excess increased to £125
Insured person aged 41 and over - excess increased to £150

There is an excess of £100 for all claims made under this section.
For persons travelling to Spain, Cyprus or Turkey the excesses are as follows:
Insured person up to and including age 40 - excess increased to £125
Insured person aged 41 and over - excess increased to £150

There is an excess of £100 for all claims made under this section.
For persons travelling to Spain, Cyprus or Turkey the excesses are as follows:
Insured person up to and including age 40 - excess increased to £125
Insured person aged 41 and over - excess increased to £150

There is an excess of £100 for all claims made under this section.
For persons travelling to Spain, Cyprus or Turkey the excesses are as follows:
Insured person up to and including age 40 - excess increased to £125
Insured person aged 41 and over - excess increased to £150

There is an excess of £100 for all claims made under this section.
For persons travelling to Spain, Cyprus or Turkey the excesses are as follows:
Insured person up to and including age 40 - excess increased to £125
Insured person aged 41 and over - excess increased to £150