Primary Annual Multi Trip

45 days

This insurance has been arranged by Primary Insurance with UK Underwriting Limited on behalf of:
AXA Insurance UK plc,Registered in England No.78950.Registered Office:5 Old Broad Street, London, EC2N 1AD
Primary Insurance, UK Underwriting Limited, and AXA Insurance UK plc are authorised and regulated by the Financial Services Authority. This can be checked on the FSA's register by visiting the FSA's website at www.fsa.gov.uk/register or by contacting them on 0845 606 1234.

SECTION A1 CANCELLATION & CURTAILMENT
What you are covered for:
The underwriter will pay, up to the amount shown in the Schedule of Benefits on your certificate, for your proportion of the 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 cut short 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 United Kingdom, or
- a friend or relative who lives abroad with whom you were staying.
(b) You or the person you are travelling with:
- being required in the United Kingdom for jury service, or as a witness in a Court of Law, or
- being under compulsory quarantine, or
- being prevented from travel following a government travelling restriction that prevents travel, or
- being required to be present by the police, as a result of your home or usual place of business in the United Kingdom suffering a burglary within seven days before the start of your trip; or
- suffering accidental damage to your home or to your travelling companions home within seven days before the start of your trip; or
- being made redundant under current redundancy legislation; or
- being pregnant and you or the person you are travelling with, are expected to give birth within fourteen weeks of the booked start date or return date
of your trip; or
- suffering any medical complications arising from pregnancy or childbirth prior to the twenty sixth week
- being posted overseas or receiving emergency requirements of duty in the Armed Forces, Police, Fire, Nursing or Ambulance Services.
If you have paid the additional premium to include hazardous sport and leisure activities, we will also pay you a percentage of any unused pre-paid trip costs, if you have to cut short your trip by returning to your home in the UK, following serious injury whilst participating in the hazardous sport or leisure activity.
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 seven days prior to 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:
The underwriter will not pay for the f ollowing in addition to the general exclusions on page 28 in connection with claims made under section A1
- the excess as shown in the Schedule of Benefits on your certificate
- any claim for curtailment which has not been approved by the relevant Assistance Services Provider,as detailed on page 4,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 cut short your trip.
- any costs which you have paid or agreed to pay, if your trip is cancelled for the following reasons:
- claims arising directly or indirectly as a result of a pre-existing medical condition relating to you, your travelling companion,a relative or close business
associate of your s,or the person with whom you have arranged to stay whilst on the trip, relating to:
a) any pre-existing medical condition which would require you to answer yes to the Medical Screening Questions, unless declared to and accepted by us
b)travelling or acting against medical advice
c)awaiting results of tests or medical investigations
d)being on a hospital waiting list for treatment
e)having received a terminal prognosis
f)pregnancy,where the pregnancy will exceed 26 weeks by the return date of the trip
g)anxiety,stress or depression (unless admitted as an in-patient)
- you have failed to have any recommended vaccines, inoculations or medications prior to your trip
- you have failed to get the relevant passport or visa
- unlawful or criminal proceedings against you or a person you are travelling with
- redundancy ,which is not notified during the period of insurance
- a pregnancy,which is confirmed by a registered doctor before the date you bought this policy
- medical complications arising from pregnancy or childbirth where prior medical complications have existed
- your disinclination to travel,phobias,anxiety or stress
- your personal financial circumstances,other than you being made redundant after the issue date of the certificate
- the death or illness of any pets or animals
- your late arrival at the airport or port after check in or booking in time
- Any costs in respect of the following:
- loss of air passenger duty
- unused timeshare property,airmiles or other promotions of this nature
- your loss of enjoyment of the trip ,however caused
- your failure to advise us of any material fact prior to the issue of the certificate or prior to your departure on your trip
- unused portions of your original ticket, where repatriation has been made

SECTION I - PERSONAL ACCIDENT
What you are covered for:
The underwriter will pay you or your estate a lump sum, as shown in the Schedule of Benefits on your certificate, if you suffer bodily injury as a result of an accident during your trip which causes:
- your death, or
- permanent loss of one or more limbs by physical separation at or above the wrist or ankle, or
- permanent loss of all sight in one or both eyes, or
- permanent and total disablement from following your usual occupation.
What you are not covered for:
The underwriter will not pay for the following in addition to the general exclusions in connection with claims made under section H.
- any benefit where your death, injury or loss does not occur within 180 days of the accident.
- any benefit as a result of participating in a hazardous sport or leisure activity, unless you have paid the additional premium prior to travel and cover is confirmed on your certificate.
- any benefit if you cannot prove to the underwriter 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.

SECTION C1 HOSPITAL BENEFITS
What you are covered for:
The underwriter will pay you the amount shown in the Schedule of Benefits on your certificate, for every complete 24 hours you spend in a hospital abroad as an in-patient during your trip, as a direct result of you suffering accidental injury or illness which is covered under Section B of this policy.
What you are not covered for:
The underwriter will not pay for the following in addition to the general exclusions on page 28 in connection with claims made under section C1, 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 the relevant Assistance Services Provider, as detailed on page 4

If you die during the trip or one-way trip, the underwriter will pay up to £3000 for the following:-
- the funeral expenses in the country where your death occurs, or
- the cost of returning your body or ashes home to the UK.

If you die during the trip or one-way trip, the underwriter will pay up to £3000 for the following:-
- the funeral expenses in the country where your death occurs, or
- the cost of returning your body or ashes home to the UK.

SECTION E - PERSONAL MONEY
What you are covered for:
The underwriter will pay for the loss, theft or suspected theft of your money and travellers cheques during your trip, up to the amount shown in the Schedule of Benefits on your certificate
What you are not covered for:
The underwriter will not pay for the following in addition to the general exclusions on page 24 in connection with claims made under section E.
- the excess as shown in the Schedule of Benefits on your certificate.
- any loss or theft of your money or travellers cheques, if you have not notified the police within 24 hours of its discovery and obtained a written report, which includes the crime reference number.
- any claim, if the loss or theft occurs during a journey or 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 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 or shortage caused by any error or omission.
- loss or damage arising from delay, seizure, confiscation or detention by Customs or other officials.

SECTION K - LEGAL EXPENSES
What you are covered for:
The underwriter will pay, up to the amount shown in the Schedule of Benefits on your certificate, 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 illness or personal accident during your trip.
What you are not covered for:
The underwriter will not pay for the following in addition to the general exclusions on page 28 in connection with claims made under section K.
- the excess as shown in the Schedule of Benefits on your certificate.
- any costs or expenses which have been incurred without prior approval of the underwriter.
- any claim where the underwriter considers 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 a travel agent, tour operator, carrier, the underwriter, Primary Direct Limited, Primary, Inter Group Assistance Services, Inter Group Claims Services or and Primary Group Company.
- any claim against any member of your family or travelling companions
- we will have complete control over the appointment of any solicitor(s) acting on you 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.

SECTION C3 - MUGGING
What you are covered for:
The underwriters will pay you the amount shown in the schedule of benefits on your certificate if you suffer an injury and go into hospital as an in-patient as a result of a mugging attack as long as you report the incident to the police within 24 hours and get a police report.

SECTION G HIJACK
What you are covered for:
The underwriter will pay you the amount shown in the schedule of benefits on your certificate for each and every completed period of 24 hours, in the event of hijack of the transport on which you are travelling.
What you are not covered for:
The underwriter will not pay for the following in addition to the general exclusions on page 28 in connection with claims made under section G:
- Claims not substantiated by a police report confirming the length and exact nature of the incident.

WINTERSPORTS COVER
If you have paid the additional premium to include wintersports cover and the cover is shown on your certificate, cover sections M-Q inclusive apply:
SECTION M SKI EQUIPMENT
What you are covered for:
The underwriter will pay, up to the amount shown in the Schedule of Benefits on your certificate, for accidental loss, theft of or damage to ski equipment, which is owned or hired by you.
If you own the ski equipment, the underwriter will take off the following amounts for wear and tear:
Age of ski equipment Deduction
Up to 1 year 10% of purchase price
1 to 2 years 30% of purchase price
2 to 3 years 50% of purchase price
3 to 4 years 70% of purchase price
4 to 5 years 80% of purchase price
What you are not covered for:
The underwriter will not pay for the following in addition to the general exclusions on page 28 in connection with claims made under section M
- the excess as shown in the Schedule of Benefits on your certificate
- claims for ski equipment which is owned by you, if it is over five years old
- more than your liability for the loss or damage to any hired ski equipment
- any claim for loss or theft of ski equipment if you have not notified the police within 24 hours of its discovery and obtained a written report, which includes the crime reference number
- any claim, if the loss 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)
- more than £50 per single item, up to a maximum of £200 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
- claims arising from delay, detention, seizure or confiscation by Customs or other officials
- claims for loss, theft or damage to anything being shipped as freight or under a Bill of Lading
- damage to, or loss or theft of ski equipment, if it has been left:
- unattended in a public place; or
- left in an unattended motor vehicle; or
- in the custody of a person who does not have an official responsibility for the safekeeping of the property

WINTERSPORTS COVER
If you have paid the additional premium to include wintersports cover and the cover is shown on your certificate, cover sections M-Q inclusive apply:
SECTION M SKI EQUIPMENT
What you are covered for:
The underwriter will pay, up to the amount shown in the Schedule of Benefits on your certificate, for accidental loss, theft of or damage to ski equipment, which is owned or hired by you.
If you own the ski equipment, the underwriter will take off the following amounts for wear and tear:
Age of ski equipment Deduction
Up to 1 year 10% of purchase price
1 to 2 years 30% of purchase price
2 to 3 years 50% of purchase price
3 to 4 years 70% of purchase price
4 to 5 years 80% of purchase price
What you are not covered for:
The underwriter will not pay for the following in addition to the general exclusions on page 28 in connection with claims made under section M
- the excess as shown in the Schedule of Benefits on your certificate
- claims for ski equipment which is owned by you, if it is over five years old
- more than your liability for the loss or damage to any hired ski equipment
- any claim for loss or theft of ski equipment if you have not notified the police within 24 hours of its discovery and obtained a written report, which includes the crime reference number
- any claim, if the loss 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)
- more than £50 per single item, up to a maximum of £200 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
- claims arising from delay, detention, seizure or confiscation by Customs or other officials
- claims for loss, theft or damage to anything being shipped as freight or under a Bill of Lading
- damage to, or loss or theft of ski equipment, if it has been left:
- unattended in a public place; or
- left in an unattended motor vehicle; or
- in the custody of a person who does not have an official responsibility for the safekeeping of the property

WINTERSPORTS COVER
If you have paid the additional premium to include wintersports cover and the cover is shown on your certificate, cover sections M-Q inclusive apply:
SECTION M SKI EQUIPMENT
What you are covered for:
The underwriter will pay, up to the amount shown in the Schedule of Benefits on your certificate, for accidental loss, theft of or damage to ski equipment, which is owned or hired by you.
If you own the ski equipment, the underwriter will take off the following amounts for wear and tear:
Age of ski equipment Deduction
Up to 1 year 10% of purchase price
1 to 2 years 30% of purchase price
2 to 3 years 50% of purchase price
3 to 4 years 70% of purchase price
4 to 5 years 80% of purchase price
What you are not covered for:
The underwriter will not pay for the following in addition to the general exclusions on page 28 in connection with claims made under section M
- the excess as shown in the Schedule of Benefits on your certificate
- claims for ski equipment which is owned by you, if it is over five years old
- more than your liability for the loss or damage to any hired ski equipment
- any claim for loss or theft of ski equipment if you have not notified the police within 24 hours of its discovery and obtained a written report, which includes the crime reference number
- any claim, if the loss 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)
- more than £50 per single item, up to a maximum of £200 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
- claims arising from delay, detention, seizure or confiscation by Customs or other officials
- claims for loss, theft or damage to anything being shipped as freight or under a Bill of Lading
- damage to, or loss or theft of ski equipment, if it has been left:
- unattended in a public place; or
- left in an unattended motor vehicle; or
- in the custody of a person who does not have an official responsibility for the safekeeping of the property

SECTION O SKI PACK
What you are covered for:
If you are unable to use your ski pass, tuition or ski hire due to:
- being involved in an accident; or
- your sickness; or
- the loss or theft of your ski pass
the underwriter will pay you, up to the amount shown in the Schedule of Benefits on your certificate, for the proportionate value of any unused ski pass, ski hire or tuition fee.
What you are not covered for:
The underwriter will not pay for the following in addition to the general exclusions on page 28 in connection with claims made under section O
- the excess as shown in the Schedule of Benefits on your certificate
- any claim, if the loss or theft of your ski pass is not notified to the police within 24 hours of its discovery and you have obtained a written report, which includes the crime reference number
- any claim, if the loss 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)
- loss or theft of your ski pass, if it was left:
- unattended in a public place; or
- in an unattended motor vehicle; or
- in the custody of a person who does not have an official responsibility for the safekeeping of the property
- claims arising directly or indirectly as a result of your pre existing medical condition, where you have not declared it to us before the start of your trip, have agreed the additional terms and paid any additional premium
- claims arising from a medical condition which is not substantiated by a report from the treating doctor confirming your inability to ski.

SECTION O SKI PACK
What you are covered for:
If you are unable to use your ski pass, tuition or ski hire due to:
- being involved in an accident; or
- your sickness; or
- the loss or theft of your ski pass
the underwriter will pay you, up to the amount shown in the Schedule of Benefits on your certificate, for the proportionate value of any unused ski pass, ski hire or tuition fee.
What you are not covered for:
The underwriter will not pay for the following in addition to the general exclusions on page 28 in connection with claims made under section O
- the excess as shown in the Schedule of Benefits on your certificate
- any claim, if the loss or theft of your ski pass is not notified to the police within 24 hours of its discovery and you have obtained a written report, which includes the crime reference number
- any claim, if the loss 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)
- loss or theft of your ski pass, if it was left:
- unattended in a public place; or
- in an unattended motor vehicle; or
- in the custody of a person who does not have an official responsibility for the safekeeping of the property
- claims arising directly or indirectly as a result of your pre existing medical condition, where you have not declared it to us before the start of your trip, have agreed the additional terms and paid any additional premium
- claims arising from a medical condition which is not substantiated by a report from the treating doctor confirming your inability to ski.

SECTION P PISTE CLOSURE
What you are covered for:
The underwriter will pay an amount, as shown in the Schedule of Benefits on your certificate, if you are unable to ski for a continuous period in excess of 12 hours, due to a lack of snowfall or adverse weather conditions during the months of December to March inclusive, at your pre-booked wintersports resort.
What you are not covered for:
The underwriter will not pay for the following in addition to the general exclusions on page 28 in connection with claims made under section P
- any benefit, if you are not skiing in a pre-booked wintersports resort which is 1,000m above sea level
- any benefit, if you are unable to provide a report from the resort management substantiating your claim
- any benefit, if an alternative resort is available
- any benefit, if the piste closure was in existence prior to your arrival in your pre-booked wintersports resort

SECTION P PISTE CLOSURE
What you are covered for:
The underwriter will pay an amount, as shown in the Schedule of Benefits on your certificate, if you are unable to ski for a continuous period in excess of 12 hours, due to a lack of snowfall or adverse weather conditions during the months of December to March inclusive, at your pre-booked wintersports resort.
What you are not covered for:
The underwriter will not pay for the following in addition to the general exclusions on page 28 in connection with claims made under section P
- any benefit, if you are not skiing in a pre-booked wintersports resort which is 1,000m above sea level
- any benefit, if you are unable to provide a report from the resort management substantiating your claim
- any benefit, if an alternative resort is available
- any benefit, if the piste closure was in existence prior to your arrival in your pre-booked wintersports resort

SECTION Q DELAY DUE TO AVALANCHE
What you are covered for:
If your outward or return journey is delayed by at least 12 hours beyond the scheduled departure time as a direct result of an avalanche in your pre-booked wintersports resort, the underwriter will pay you an amount, as shown in the Schedule of Benefits on your certificate, for additional travel and accommodation expenses.
What you are not covered for:
The underwriter will not pay for the following in addition to the general exclusions on page 28 in connection with claims made under section Q
- the excess as shown in the Schedule of Benefits on your certificate
- any claim, if you are unable to provide a report from the resort management substantiating your claim
- any additional compensation under sections A2, F or H of this policy

SECTION N SKI EQUIPMENT HIRE
What you are covered for:
If your own ski equipment is:
- lost, stolen or damaged; or
- misdirected or delayed in transit by more than 12 hours the underwriter will pay for the cost of hiring you the necessary ski equipment for each 24 hour period you are without your own ski equipment, up to the amount shown in the Schedule of Benefits on your certifcate.
What you are not covered for:
The underwriter will not pay for the following in addition to the general exclusions on page 28 in connection with claims made under section N
- the excess as shown in the Schedule of Benefits on your certifcate
- any claim for loss or theft of your own ski equipment if you have not notified the police within 24 hours of its discovery and obtained a written report, which includes the crime reference number
- any claim, if the loss or theft of your own ski equipment 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)
- claims arising from delay, detention, seizure or confiscation by Customs or other officials
- claims for loss or theft of, or damage to your own ski equipment, whilst its being shipped as freight or under a Bill of Lading
- damage to, or loss or theft of your ski equipment, if it has been left:
- unattended in a public place; or
- in an unattended motor vehicle; or
- in the custody of a person who does not have an official responsibility for the safekeeping of the property

SECTION N SKI EQUIPMENT HIRE
What you are covered for:
If your own ski equipment is:
- lost, stolen or damaged; or
- misdirected or delayed in transit by more than 12 hours the underwriter will pay for the cost of hiring you the necessary ski equipment for each 24 hour period you are without your own ski equipment, up to the amount shown in the Schedule of Benefits on your certifcate.
What you are not covered for:
The underwriter will not pay for the following in addition to the general exclusions on page 28 in connection with claims made under section N
- the excess as shown in the Schedule of Benefits on your certifcate
- any claim for loss or theft of your own ski equipment if you have not notified the police within 24 hours of its discovery and obtained a written report, which includes the crime reference number
- any claim, if the loss or theft of your own ski equipment 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)
- claims arising from delay, detention, seizure or confiscation by Customs or other officials
- claims for loss or theft of, or damage to your own ski equipment, whilst its being shipped as freight or under a Bill of Lading
- damage to, or loss or theft of your ski equipment, if it has been left:
- unattended in a public place; or
- in an unattended motor vehicle; or
- in the custody of a person who does not have an official responsibility for the safekeeping of the property

Wintersports
Guided cross country skiing, mono skiing, off-piste skiing or snowboarding, recreational racing, skiing, snow boarding and snow sledging.

If you die during the trip or one-way trip, the underwriter will pay up to £3000 for the following:-
- the funeral expenses in the country where your death occurs, or
- the cost of returning your body or ashes home to the UK.

SECTION D - PERSONAL EFFECTS, TRAVEL DOCUMENTS AND DELAYED BAGGAGE
What you are covered for:
(a) Personal effects and baggage
The underwriter will pay for accidental loss, theft of or damage to your personal effects, up to the amount shown in the Schedule of Benefits on your certificate:-
(b) Travel Documents
The underwriter will pay for any reasonable expenses you incur, whilst obtaining replacement passports, green cards, visas, accommodation vouchers and petrol coupons or travel tickets which have been lost or stolen during the trip, up to the amount shown in the Schedule of Benefits on your certificate
(c) Baggage delay
The underwriter will pay for the purchase of essential items, up to the amount shown in the Schedule of Benefits on your certificate, if your personal effects are delayed or lost in transit on your outward journey for more than 24 hours.
What you are not covered for:
The underwriter will not pay for the following in addition to the general exclusions on page 24 in connection with claims made under section D.
- the excess as shown in the Schedule of Benefits on your certificate.
- 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 £50 per single item, up to a maximum of £150 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 accident involving the vehicle in which you are being carried.
- claims arising for loss, theft or damage to:
- prams or buggies, or
- wheelchairs, or
- pedal cycles, or
- motor vehicles, or
- marine equipment, or
- diving equipment, or
- watercraft, surfboards, sailboards or their related accessories, or
- sports equipment, or other equipment or fittings of any kind.
- damage to, or loss or theft of your personal effects or baggage, if they have been left:
- unattended, in a public place; or
- in the custody of a person who does not have an official responsibility for the safekeeping of the property; or
- in an unattended motor vehicle, unless they have been taken from a locked boot between 8am-8pm local time 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 or under a Bill of Loading; or
- dentures; or
- bridgework; or
- artificial limbs; or
- 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;
mechanical or electrical breakdown; or
moths or vermin; or
process of cleaning, restoring or repairing.

SECTION D - PERSONAL EFFECTS, TRAVEL DOCUMENTS AND DELAYED BAGGAGE
What you are covered for:
(a) Personal effects and baggage
The underwriter will pay for accidental loss, theft of or damage to your personal effects, up to the amount shown in the Schedule of Benefits on your certificate:-
(b) Travel Documents
The underwriter will pay for any reasonable expenses you incur, whilst obtaining replacement passports, green cards, visas, accommodation vouchers and petrol coupons or travel tickets which have been lost or stolen during the trip, up to the amount shown in the Schedule of Benefits on your certificate
(c) Baggage delay
The underwriter will pay for the purchase of essential items, up to the amount shown in the Schedule of Benefits on your certificate, if your personal effects are delayed or lost in transit on your outward journey for more than 24 hours.
What you are not covered for:
The underwriter will not pay for the following in addition to the general exclusions on page 24 in connection with claims made under section D.
- the excess as shown in the Schedule of Benefits on your certificate.
- 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 £50 per single item, up to a maximum of £150 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 accident involving the vehicle in which you are being carried.
- claims arising for loss, theft or damage to:
- prams or buggies, or
- wheelchairs, or
- pedal cycles, or
- motor vehicles, or
- marine equipment, or
- diving equipment, or
- watercraft, surfboards, sailboards or their related accessories, or
- sports equipment, or other equipment or fittings of any kind.
- damage to, or loss or theft of your personal effects or baggage, if they have been left:
- unattended, in a public place; or
- in the custody of a person who does not have an official responsibility for the safekeeping of the property; or
- in an unattended motor vehicle, unless they have been taken from a locked boot between 8am-8pm local time 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 or under a Bill of Loading; or
- dentures; or
- bridgework; or
- artificial limbs; or
- 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;
mechanical or electrical breakdown; or
moths or vermin; or
process of cleaning, restoring or repairing.

SECTION A1 CANCELLATION & CURTAILMENT
What you are covered for:
The underwriter will pay, up to the amount shown in the Schedule of Benefits on your certificate, for your proportion of the 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 cut short 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 United Kingdom, or
- a friend or relative who lives abroad with whom you were staying.
(b) You or the person you are travelling with:
- being required in the United Kingdom for jury service, or as a witness in a Court of Law, or
- being under compulsory quarantine, or
- being prevented from travel following a government travelling restriction that prevents travel, or
- being required to be present by the police, as a result of your home or usual place of business in the United Kingdom suffering a burglary within seven days before the start of your trip; or
- suffering accidental damage to your home or to your travelling companions home within seven days before the start of your trip; or
- being made redundant under current redundancy legislation; or
- being pregnant and you or the person you are travelling with, are expected to give birth within fourteen weeks of the booked start date or return date
of your trip; or
- suffering any medical complications arising from pregnancy or childbirth prior to the twenty sixth week
- being posted overseas or receiving emergency requirements of duty in the Armed Forces, Police, Fire, Nursing or Ambulance Services.
If you have paid the additional premium to include hazardous sport and leisure activities, we will also pay you a percentage of any un