Quoteline Direct Silver Travel Insurance

Health conditions
Claims will not be covered if at the time of taking out this insurance (or if there is a change in your medical condition between the date you bought the policy and the date you book each trip, if you have arranged an annual multi-trip policy) you, or any person whose condition may give rise to a claim:
- are suffering from, or has suffered from, any diagnosed psychological or psychiatric disorder, anxiety or depression;
- are receiving or waiting for consultation, investigation or treatment in a hospital or nursing home;
- are travelling against the advice of a medical practitioner or for the purpose of getting medical treatment abroad;
- will be more than 26 weeks pregnant on the date they arrive home; or
- have been given a terminal prognosis, which means your condition will lead to your eventual death.
Claims will not be covered unless the condition has been declared to and accepted by underwriters ( ring 0870 420 4162 ), if any person, including those not travelling:
- has suffered from or received any form of medical advice or treatment or medication for:
- any heart-related or blood circulatory condition (not including mild (see note below) well-controlled
hypertension suffered in isolation); or
- any breathing condition (not including mild (see note below) well-controlled asthma suffered in isolation); or
- has had treatment or consultation for any cancerous condition in the last five years; or
- has been referred to or seen by a hospital specialist or needed inpatient hospital treatment in the last year.
Note: In this case, mildmeans you are taking no more than two types of medication, and in the case of asthma you are not taking steroids.
You must make sure that you tell us about any change in circumstances of yourself or any close relative, happening after the policy has been issued and before you travel. We have the right to alter the terms in line with the change in risk.

Section B - Medical and other expenses
Please note: This section does not apply if you become ill or are injured during trips within the country which you live in (or the final country of destination if you are on a one-way trip).
If you go into hospital, you must tell the Medical Emergency Assistance Company immediately.
What you are covered for
We will pay up to the amount shown in the table of benefits for the following for necessary and reasonable costs as a result of you being injured or ill during your trip.
1. Emergency medical, surgical and hospital treatment and ambulance costs. (Emergency dental treatment is covered up to £250 as long as it is to immediately relieve pain only.)
2. Up to £5,000 for either the cost of returning your body or ashes to the United Kingdom, Northern Ireland, the Channel Islands, the Isle of Man or Eire (or the final country of destination if you were on a one-way trip), or for the cost of a funeral in the country where you die if this is outside the United Kingdom, Northern Ireland, the Channel Islands, the Isle of Man or Eire (or the final country of destination if you were on a one-way trip).
3. Up to £1,000 for the cost of returning your body or ashes to your home if you die in the United Kingdom, Northern Ireland, the Channel Islands, the Isle of Man or Eire (or the final country of destination if you were on a one-way trip).
4. Extra accommodation (room only) and travel expenses to allow you to return to the United Kingdom, Northern Ireland, the Channel Islands, the Isle of Man or Eire (or the final country of destination if you are on a one-way trip) if you cannot return as you originally booked, as long as we have approved this.
a. Extra accommodation (room only) for someone to stay with you and reasonable costs for travel home with you if this is necessary due to medical advice.
b. Or reasonable expenses for one relative or friend to travel from the United Kingdom, Northern Ireland, the Channel Islands, the Isle of Man or Eire to stay with you
(room-only costs) and travel home with you, if this is necessary due to medical advice.
5. The extra cost for you to return home following the death, serious injury or serious illness of a relative or business associate.
6. We will pay to return you to the United Kingdom, Northern Ireland, the Channel Islands, the Isle of Man or Eire (or the final country of destination if you are on a
one-way trip) if the Medical Emergency Assistance Company think this is medically necessary, and they arrange this for you.
Please note: If, due to unexpected circumstances beyond your control which fall within the conditions of this cover, your holiday cannot be completed within the period of insurance outlined on your validation certificate, we will extend cover for up to 30 days at no extra cost.
Special exclusions which apply to section B
We will not cover the following.
1. The excess shown in the table of benefits on pages 1 and 2.
If you have a refund of the cost of treatment under the conditions of the European Community health agreement (E111), the excess is reduced to nil (unless special excess conditions have been set).
2. Any treatment or surgery which the Medical Emergency Assistance Company thinks is not immediately necessary and can wait until you return home.The decision of the Medical Emergency Assistance Company is final, and you cannot appeal.
3. Any expenses for treatment or surgery carried out more than 12 months after the date of the incident which you are claiming for.
4. The extra cost of single- or private-room accommodation unless it is medically necessary.
5. Any medical treatment that you receive because of a medical condition or any illness related to a medical condition which you knew about and which could
reasonably be expected to lead to a claim. This applies to you, a relative, business associate or person you are travelling with, and any person you were depending on for the trip.
6. Any treatment or medication of any kind that you receive after you return to the United Kingdom, Northern Ireland, the Channel Islands, the Isle of Man or Eire (or the final country of destination if you are on a one-way trip).
7. Pregnancy, if you are more than 26 weeks pregnant at the start of or during your trip (or arrival in your final destination country if you are on a one-way trip).
8. Any extra costs after the time when, in our medical advisors opinion, you are fit to be returned to the United Kingdom, Northern Ireland, the Channel Islands, the Isle of Man or Eire (or the final country of destination if you are on a one-way trip).
9. Any medical treatment that you receive after you have refused the offer of returning to the UK, when, in the opinion of our medical advisors, you are fit to travel.
10. Any search and rescue costs.
11. The cost of any phone calls, other than the first call to the Medical Emergency Assistance Company to tell them about the medical problem.
Please read the general conditions and exclusions.

Section D - Personal accident
What you are covered for
We will pay up to the amount shown in the table of benefits to you or your executors or administrators if you are involved in an accident during your trip which causes you an injury which results in you becoming disabled within 12 months of the date of the accident for one of the following.
1 Permanent total disability
2 Loss of one or more limbs (meaning permanent loss by physical separation at or above the wrist or ankle)
3 Irrecoverable loss of sight in one or both eyes
4 If you die, we will pay the amount shown in the table of benefits on pages 1 and 2 (this is limited for children aged under 18)
Please read the general conditions and exclusions.

Section C - Hospital Benefit
(This Section is not available if you have purchased the Long Stay policy option)
This Section does not apply for trips within the United Kingdom, Northern Ireland, Channel Islands, Isle of Man, Eire (or the final country of destination if on a one way trip).
What you are covered for
We will pay up to the amount shown in the Table of Benefits if after an accident or illness that is covered under Section B (Medical and other expenses) of this insurance, you go into hospital as an in-patient outside the United Kingdom, Northern Ireland, Channel Islands, Isle of Man or Eire (or the final country of destination if on a one way trip).
Benefit ceases if hospitalisation continues back in the United Kingdom, Northern Ireland, Channel Islands, Isle of Man or Eire (or the final country of destination if on a one way trip).
Note: The amounts we will pay under this section are meant to help you pay extra expenses such as taxi fares and phone calls.
Please read the general conditions and exclusions.

Section B - Medical and other expenses
Please note: This section does not apply if you become ill or are injured during trips within the country which you live in (or the final country of destination if you are on a one-way trip).
If you go into hospital, you must tell the Medical Emergency Assistance Company immediately.
What you are covered for
We will pay up to the amount shown in the table of benefits for the following for necessary and reasonable costs as a result of you being injured or ill during your trip.
1. Emergency medical, surgical and hospital treatment and ambulance costs. (Emergency dental treatment is covered up to £250 as long as it is to immediately relieve pain only.)

Section B - Medical and other expenses
Please note: This section does not apply if you become ill or are injured during trips within the country which you live in (or the final country of destination if you are on a one-way trip).
If you go into hospital, you must tell the Medical Emergency Assistance Company immediately.
What you are covered for
We will pay up to the amount shown in the table of benefits for the following for necessary and reasonable costs as a result of you being injured or ill during your trip.
1. Emergency medical, surgical and hospital treatment and ambulance costs. (Emergency dental treatment is covered up to £250 as long as it is to immediately relieve pain only.)
2. Up to £5,000 for either the cost of returning your body or ashes to the United Kingdom, Northern Ireland, the Channel Islands, the Isle of Man or Eire (or the final country of destination if you were on a one-way trip), or for the cost of a funeral in the country where you die if this is outside the United Kingdom, Northern Ireland, the Channel Islands, the Isle of Man or Eire (or the final country of destination if you were on a one-way trip).
3. Up to £1,000 for the cost of returning your body or ashes to your home if you die in the United Kingdom, Northern Ireland, the Channel Islands, the Isle of Man or Eire (or the final country of destination if you were on a one-way trip).

Section B - Medical and other expenses
Please note: This section does not apply if you become ill or are injured during trips within the country which you live in (or the final country of destination if you are on a one-way trip).
If you go into hospital, you must tell the Medical Emergency Assistance Company immediately.
What you are covered for
We will pay up to the amount shown in the table of benefits for the following for necessary and reasonable costs as a result of you being injured or ill during your trip.
1. Emergency medical, surgical and hospital treatment and ambulance costs. (Emergency dental treatment is covered up to £250 as long as it is to immediately relieve pain only.)
2. Up to £5,000 for either the cost of returning your body or ashes to the United Kingdom, Northern Ireland, the Channel Islands, the Isle of Man or Eire (or the final country of destination if you were on a one-way trip), or for the cost of a funeral in the country where you die if this is outside the United Kingdom, Northern Ireland, the Channel Islands, the Isle of Man or Eire (or the final country of destination if you were on a one-way trip).
3. Up to £1,000 for the cost of returning your body or ashes to your home if you die in the United Kingdom, Northern Ireland, the Channel Islands, the Isle of Man or Eire (or the final country of destination if you were on a one-way trip).

Section E - Personal belongings, baggage and money
What you are covered for
We will pay up to the amount shown in the table of benefits on pages 1 and 2 for the following.
E2 - Personal money (This section is only available if it has been shown on your validation certificate that cover applies.)
We will pay for the following.
1. We will pay up to the amount shown in the table of benefits for the loss or theft of cash or travellers cheques, if you can give us evidence that you owned them and evidence of their value.
Special exclusions which apply to section E
We will not cover the following.
1. The excess shown in the table of benefits on pages 1 and 2 (except for section E1.2).
2. Any loss or theft which you do not report to the police within 24 hours of discovering it and which you do not get a written police report for.
3. Any loss, theft or damage to baggage or personal belongings during a journey, unless you report this to the carrier and get a property irregularity report at the time of the loss.
Any claims for loss, theft or damage must then be made to the airline within seven days. Any claim for delayed baggage must be made to the airline within 21 days of its return.
4. Any loss or theft from unattended motor vehicles, unless the personal belongings were in a locked boot or locked and covered luggage compartment of the vehicle and there is evidence of forcible and violent entry to the vehicle.
5. Any loss or theft from motor vehicles left unattended between 10pm and 8am.
6. Any loss or theft of money or valuables left in an unattended motor vehicle at any time.
7. Any loss, theft of or damage to items carried on a vehicle roof rack.
8. Fragile articles (including china, glass, sculpture and video equipment) or sports equipment that are broken while being used, unless they are transported by a carrier and the damage is due to a fire or other accident to the sea vessel, aircraft or vehicle they are being carried in.
9. Theft, loss of or damage to pedal cycles, motor vehicles, marine equipment and craft, household goods and winter sports equipment (unless you have paid the appropriate winter sports premium).
10. Theft, loss of or damage to false teeth, bridgework, contact or corneal lenses, reading glasses, sunglasses, artificial limbs or items of a perishable nature (meaning items that can decay or rot and will not last for long, for example, food).
11. Theft, loss of or damage to stamps and documents (other than those specifically mentioned under section E3) or business goods or samples or business money (unless you have paid the appropriate premium for business cover).
12. Wear and tear, loss of value, mechanical or electrical breakdown or damage caused by any process of cleaning, repairing or restoring, or damage caused by leaking powder or fluid carried within your baggage.
13. Shortages due to mistakes or neglect, or variations in exchange rates or a fall in value.
14. If your belongings are delayed or held by any customs or other officials legally taking your belongings.
15. Cash which you do not carry with you (unless it is held in a locked safety deposit box).
16. Loss, theft or damage to valuables not carried in your hand baggage while you are travelling.
17. Any item, set or pair where you are not able to provide reasonable proof of ownership or value (for example, original receipts).
18. Property you leave unattended (other than in your locked accommodation).
19. Any claim for loss of jewellery (other than wedding rings) while swimming or taking part in dangerous activities.
20. Damage caused to suitcases, holdalls or similar carriers, unless you cannot use the damaged item.
21. Loss or theft of personal belongings or baggage while not in your control or while in the control of any person other than an airline or carrier.
22. Any claim if you already have a more specific insurance covering this.
23. Loss of a passport if you do not report the loss to the consular representative of your home country within 24 hours of discovering you have lost it and get a report confirming the date of loss and the date on which you received a replacement passport.
24. Travellers cheques where the provider will replace losses without charge (other than a service charge).
Please note:
Claims arising if your baggage is lost, damaged or delayed while in the custody of an airline should be directed to the airline concerned first. Any money due under this policy will be reduced by the amount of compensation received from the airline for the same event.
Please read the general conditions and exclusions.

Section I - Legal Expenses
What you are covered for
We will pay up to the amount shown in the Table of Benefits for legal costs and expenses arising as a result of dealing with claims for compensation and damages resulting from your death, illness or injury during your trip.
Special exclusions which apply to Section I
We will not cover the following:
1. Any claim where we or our legal representatives believe that an action is not likely to be successful or if we believe that the costs of taking action will be greater than any award.
2. The costs of making any claim against us, our agents or representatives or against any tour operator, accommodation provider, carrier or any person with whom you have travelled or arranged to travel.
3. Any costs or expenses which are based directly or indirectly on the amount of any award.The costs of following up a claim for bodily injury, loss or damage caused by or in connection with your trade, profession or business, under contract or arising out of you possessing, using or living on any land or in any buildings.
4. Any claims arising out of you owning, possessing, or using mechanically-propelled vehicles, water craft or aircraft of any description, animals, firearms or weapons.
5. Any claims arising out of your criminal, malicious or deliberate acts.
6. Any claims reported more than 180 days after the incident giving rise to the claim took place.
Special conditions which apply to Section I
It is a condition of the cover provided under this section that:
1. We will have complete control over any legal representatives appointed and any proceedings;
2. You follow our advice or that of our agents in handling any claim; and
3. Where possible, you must get back all of our expenses. You must pay us any expenses you do get back.
Please read the general conditions and exclusions.

E3 - Passport and Travel Documents
We will pay for the following.
1. We will pay up to the amount shown in the Table of Benefits for the cost of replacing your passport, travel tickets, Green Cards, visas, pre-paid accommodation vouchers, pre-paid car hire vouchers and pre-paid excursion vouchers.

Section J Hijack
(This section is not available if you have paid for the long-stay or economy policy options.)
What you are covered for
We will pay £50 for each full 24-hour period if the aircraft or sea vessel in which you are travelling is hijacked on the original booked journey for more than 24 hours.
We will only pay up to the amount shown in the table of benefits.
Special exclusion which applies to section J
We will not cover any claim resulting from you acting in a way which could cause a claim under this section.
Special condition which applies to section J
It is a condition of the cover provided under this section that you must provide us a written statement from an appropriate authority confirming the hijack and how long it lasted.
Please read the general conditions and exclusions .

Winter sports cover
The following sections (sections M, N,O, P and Q) only apply if you have paid the appropriate premium for winter sports cover or you have arranged annual multi-trip insurance (which allows cover for 17 days within the year or 24 days if gold or platinum cover has been arranged).
Section M Winter sports equipment
What you are covered for
We will pay up to the amount shown in the table of benefits for accidental loss, theft or damage to skis, poles, ski boots and bindings, snowboards, snowboard boots and bindings or ice skates.
Please note: We will work out claims for winter sports equipment owned by you as follows.
Up to 12 months old 90% of the purchase price
Up to 24 months old 70% of the purchase price
Up to 36 months old 50% of the purchase price
Up to 48 months old 30% of the purchase price
Up to 60 months old 20% of the purchase price
Over 60 months old 0%
Special exclusions which apply to section M
We will not cover the following.
1. The excess shown in the table of benefits on pages 1 and 2.
2. Any loss or theft which you do not report to the police within 24 hours of discovering it and which you do not get a written police report for.
3. Any loss, theft of or damage to winter sports equipment during a journey, unless you report this to the carrier and get a property irregularity report at the time of the loss.
Any claims for loss, theft or damage must then be made to the airline within seven days.
4. Winter sports equipment you have left unattended in a public place.
5. Any loss or theft from unattended motor vehicles, unless the winter sports equipment was in a locked boot or locked and covered luggage compartment of the vehicle and there is evidence of forcible and violent entry to the vehicle.
6. Any loss or theft from motor vehicles left unattended between 10pm and 8am.
7. Any loss, theft of or damage to winter sports equipment carried on a vehicle roof rack.
8. Any loss or damage caused to winter sports equipment used by people who it was not designed for.
Special condition which applies to section M
It is a condition of the cover provided under this section that you must bring any damaged winter sports equipment you own back to the United Kingdom, Northern Ireland, the Channel Islands, the Isle of Man or Eire for inspection.

Winter sports cover
The following sections (sections M, N,O, P and Q) only apply if you have paid the appropriate premium for winter sports cover or you have arranged annual multi-trip insurance (which allows cover for 17 days within the year or 24 days if gold or platinum cover has been arranged).
Section M Winter sports equipment
What you are covered for
We will pay up to the amount shown in the table of benefits for accidental loss, theft or damage to skis, poles, ski boots and bindings, snowboards, snowboard boots and bindings or ice skates.
Please note: We will work out claims for winter sports equipment owned by you as follows.
Up to 12 months old 90% of the purchase price
Up to 24 months old 70% of the purchase price
Up to 36 months old 50% of the purchase price
Up to 48 months old 30% of the purchase price
Up to 60 months old 20% of the purchase price
Over 60 months old 0%
Special exclusions which apply to section M
We will not cover the following.
1. The excess shown in the table of benefits on pages 1 and 2.
2. Any loss or theft which you do not report to the police within 24 hours of discovering it and which you do not get a written police report for.
3. Any loss, theft of or damage to winter sports equipment during a journey, unless you report this to the carrier and get a property irregularity report at the time of the loss.
Any claims for loss, theft or damage must then be made to the airline within seven days.
4. Winter sports equipment you have left unattended in a public place.
5. Any loss or theft from unattended motor vehicles, unless the winter sports equipment was in a locked boot or locked and covered luggage compartment of the vehicle and there is evidence of forcible and violent entry to the vehicle.
6. Any loss or theft from motor vehicles left unattended between 10pm and 8am.
7. Any loss, theft of or damage to winter sports equipment carried on a vehicle roof rack.
8. Any loss or damage caused to winter sports equipment used by people who it was not designed for.
Special condition which applies to section M
It is a condition of the cover provided under this section that you must bring any damaged winter sports equipment you own back to the United Kingdom, Northern Ireland, the Channel Islands, the Isle of Man or Eire for inspection.

Winter sports cover
The following sections (sections M, N,O, P and Q) only apply if you have paid the appropriate premium for winter sports cover or you have arranged annual multi-trip insurance (which allows cover for 17 days within the year or 24 days if gold or platinum cover has been arranged).
Section M Winter sports equipment
What you are covered for
We will pay up to the amount shown in the table of benefits for accidental loss, theft or damage to skis, poles, ski boots and bindings, snowboards, snowboard boots and bindings or ice skates.
Please note: We will work out claims for winter sports equipment owned by you as follows.
Up to 12 months old 90% of the purchase price
Up to 24 months old 70% of the purchase price
Up to 36 months old 50% of the purchase price
Up to 48 months old 30% of the purchase price
Up to 60 months old 20% of the purchase price
Over 60 months old 0%
Special exclusions which apply to section M
We will not cover the following.
1. The excess shown in the table of benefits on pages 1 and 2.
2. Any loss or theft which you do not report to the police within 24 hours of discovering it and which you do not get a written police report for.
3. Any loss, theft of or damage to winter sports equipment during a journey, unless you report this to the carrier and get a property irregularity report at the time of the loss.
Any claims for loss, theft or damage must then be made to the airline within seven days.
4. Winter sports equipment you have left unattended in a public place.
5. Any loss or theft from unattended motor vehicles, unless the winter sports equipment was in a locked boot or locked and covered luggage compartment of the vehicle and there is evidence of forcible and violent entry to the vehicle.
6. Any loss or theft from motor vehicles left unattended between 10pm and 8am.
7. Any loss, theft of or damage to winter sports equipment carried on a vehicle roof rack.
8. Any loss or damage caused to winter sports equipment used by people who it was not designed for.
Special condition which applies to section M
It is a condition of the cover provided under this section that you must bring any damaged winter sports equipment you own back to the United Kingdom, Northern Ireland, the Channel Islands, the Isle of Man or Eire for inspection.

Section O - Ski Pack
What you are covered for
We will pay up to the amount shown in the Table of Benefits for a proportion of the cost of your ski pack (if you have already paid and cant get the money back) if you are ill or injured while you are on holiday and you are medically certified as being unable to use it. Ski pack consists of ski school fees or ski instructor fees, hired skis, ski boots and bindings, snowboards, snowboard boots and bindings or ice skates and the cost of any pre-booked lift pass.
Please read the general conditions and exclusion.

Section P - Piste Closure
What you are covered for
We will pay up to the amount shown in the Table of Benefits if, between the months of December and March, as a result of not enough, or too much, snow in your pre-booked holiday resort, all lift systems are closed for more than 12 hours.
We will pay for either:
1. The cost of transport to the nearest resort up to the sum specified in the Table of Benefits for each full 24-hour period;
or
2. Up to the sum specified in the Table of Benefits for each full 24-hour period if you are unable to ski and there is no other ski resort available.
Special conditions which apply to Section P
It is a condition of the cover provided under this section that:
1. You get a written statement from the management of the resort confirming the reason for the closure and how long it lasted;
2. The pre-booked holiday resort where you are staying is at least 1000 metres above sea level; and
3. If you buy this insurance within 14 days of the date you plan to leave and if you know about any reason that could cause you to claim under this section, we will not provide cover for you.
Please read the general conditions and exclusions.

Section P - Piste Closure
What you are covered for
We will pay up to the amount shown in the Table of Benefits if, between the months of December and March, as a result of not enough, or too much, snow in your pre-booked holiday resort, all lift systems are closed for more than 12 hours.
We will pay for either:
1. The cost of transport to the nearest resort up to the sum specified in the Table of Benefits for each full 24-hour period;
or
2. Up to the sum specified in the Table of Benefits for each full 24-hour period if you are unable to ski and there is no other ski resort available.
Special conditions which apply to Section P
It is a condition of the cover provided under this section that:
1. You get a written statement from the management of the resort confirming the reason for the closure and how long it lasted;
2. The pre-booked holiday resort where you are staying is at least 1000 metres above sea level; and
3. If you buy this insurance within 14 days of the date you plan to leave and if you know about any reason that could cause you to claim under this section, we will not provide cover for you.
Please read the general conditions and exclusions.

Section P - Piste Closure
What you are covered for
We will pay up to the amount shown in the Table of Benefits if, between the months of December and March, as a result of not enough, or too much, snow in your pre-booked holiday resort, all lift systems are closed for more than 12 hours.
We will pay for either:
1. The cost of transport to the nearest resort up to the sum specified in the Table of Benefits for each full 24-hour period;
or
2. Up to the sum specified in the Table of Benefits for each full 24-hour period if you are unable to ski and there is no other ski resort available.
Special conditions which apply to Section P
It is a condition of the cover provided under this section that:
1. You get a written statement from the management of the resort confirming the reason for the closure and how long it lasted;
2. The pre-booked holiday resort where you are staying is at least 1000 metres above sea level; and
3. If you buy this insurance within 14 days of the date you plan to leave and if you know about any reason that could cause you to claim under this section, we will not provide cover for you.
Please read the general conditions and exclusions.

Section Q - Avalanche cover
What you are covered for
We will pay up to the amount shown in the table of benefits for reasonable extra travel and accommodation expenses that you need to pay if your booked outward or return journey is delayed for more than 12 hours from your scheduled arrival time because of an avalanche.
Special exclusion which applies to section Q
We will not cover the excess shown in the table of benefits on pages 1 and 2.
Special condition which applies to section Q
It is a condition of the cover provided under this section that you get a written statement from the appropriate authority confirming the reason for the delay and how long it lasted.
Please read the general conditions and exclusions.

Section N - Ski hire
What you are covered for
We will pay up to the amount shown in the table of benefits for each full 24-hour period for the cost of hiring other skis, poles, ski boots and bindings, snowboards, snowboard boots and bindings or ice skates if:
1. the winter sports equipment that you own is lost or delayed during your trip for over 12 hours; or
2. the winter sports equipment that you own is lost, stolen or damaged during your trip.
Special exclusions which apply to section N
We will not cover the following.
1. Any loss or theft which you do not report to the police within 24 hours of discovering it and which you do not get a written police report for.
2. Any loss, theft of or damage to winter sports equipment during a journey, unless you report this to the carrier and get a property irregularity report at the time of the loss.
3. Winter sports equipment you have left unattended in a public place.
4. Any loss or theft from unattended motor vehicles, unless the winter sports equipment was in a locked boot or locked and covered luggage compartment of the vehicle and there is evidence of forcible and violent entry to the vehicle.
5. Any loss or theft from motor vehicles left unattended between 10pm and 8am.
6. Any loss, theft of or damage to winter sports equipment carried on a vehicle roof rack.
7. Any loss or damage caused to winter sports equipment used by people who it was not designed for.
Special conditions which apply to section N
It is a condition of the cover provided under this section that:
1. we take any payment made under this section from any claim under section M (winter sports equipment) of this insurance; and
2. you must bring any damaged winter sports equipment you own back to the United Kingdom, Northern Ireland, the Channel Islands, the Isle of Man or Eire for inspection.
Please note:
Claims arising if your winter sports equipment is delayed while in the custody of an airline should be made to the airline concerned first. Any money due under this policy will be reduced by the amount of compensation received from the airline for the same event.
Please read the general conditions and exclusions

Section N - Ski hire
What you are covered for
We will pay up to the amount shown in the table of benefits for each full 24-hour period for the cost of hiring other skis, poles, ski boots and bindings, snowboards, snowboard boots and bindings or ice skates if:
1. the winter sports equipment that you own is lost or delayed during your trip for over 12 hours; or
2. the winter sports equipment that you own is lost, stolen or damaged during your trip.
Special exclusions which apply to section N
We will not cover the following.
1. Any loss or theft which you do not report to the police within 24 hours of discovering it and which you do not get a written police report for.
2. Any loss, theft of or damage to winter sports equipment during a journey, unless you report this to the carrier and get a property irregularity report at the time of the loss.
3. Winter sports equipment you have left unattended in a public place.
4. Any loss or theft from unattended motor vehicles, unless the winter sports equipment was in a locked boot or locked and covered luggage compartment of the vehicle and there is evidence of forcible and violent entry to the vehicle.
5. Any loss or theft from motor vehicles left unattended between 10pm and 8am.
6. Any loss, theft of or damage to winter sports equipment carried on a vehicle roof rack.
7. Any loss or damage caused to winter sports equipment used by people who it was not designed for.
Special conditions which apply to section N
It is a condition of the cover provided under this section that:
1. we take any payment made under this section from any claim under section M (winter sports equipment) of this insurance; and
2. you must bring any damaged winter sports equipment you own back to the United Kingdom, Northern Ireland, the Channel Islands, the Isle of Man or Eire for inspection.
Please note:
Claims arising if your winter sports equipment is delayed while in the custody of an airline should be made to the airline concerned first. Any money due under this policy will be reduced by the amount of compensation received from the airline for the same event.
Please read the general conditions and exclusions

E1 - Personal Belongings and Baggage
(This Section is only available if it has been shown on your Validation Certificate that cover is in force)
We will pay for the following.
1. After taking off an amount for wear, tear and loss of value, we will pay or replace (at our discretion) for the loss, theft of or damage to property owned by you with a limit for any one item, set or pair as detailed in the Table of Benefits.
2. After taking off an amount for wear, tear and loss of value, we will pay for loss, theft of or damage to valuables that you own.
We will pay up to the amount shown in the Table of Benefits in total.
3. We will pay up to the amount shown in the Table of Benefits for buying essential items if your baggage is delayed during an outward journey for more than 12 hours.You must get written confirmation of the length of the delay from the appropriate airline or transport company and receipts for any items that you buy. We will take any payment we make for delayed baggage from the amount of any claim if your baggage is permanently lost.

Section E - Personal belongings, baggage and money
What you are covered for
We will pay up to the amount shown in the Table of Benefits on pages 1/2 for the following:
E1 - Personal Belongings and Baggage
(This Section is only available if it has been shown on your Validation Certificate that cover is in force)
We will pay for the following.
1. After taking off an amount for wear, tear and loss of value, will pay or replace (at our discretion) for the loss, theft of or damage to property owned by you with a limit for any one item, set or pair as detailed in the Table of Benefits.
2. After taking off an amount for wear, tear and loss of value, will pay for loss, theft of or damage to valuables that you own.
We will pay up to the amount shown in the Table of Benefits in total.
3. We will pay up to the amount shown in the Table of Benefits for buying essential items if your baggage is delayed during outward journey for more than 12 hours. You must get written confirmation of the length of the delay from the appropriate airline or transport company and receipts for any items that you buy. We will take any payment we make for delayed baggage from the amount of any claim if your baggage is permanently lost.
E2 - Personal Money
(This Section is only available if it has been shown on your Validation Certificate that cover is in force)
We will pay for the following.
1. We will pay up to the amount shown in the Table of Benefits for the loss or theft of cash, or travellers cheques, if you can give us evidence that you owned them and evidence of their value.
E3 - Passport and Travel Documents
We will pay for the following.
1. We will pay up to the amount shown in the Table of Benefits for the cost of replacing your passport, travel tickets, Green Cards, visas, pre-paid accommodation vouchers, pre-paid car hire vouchers and pre-paid excursion vouchers.
Special exclusions which apply to Section E
We will not cover the following:
1. The applicable excess as stated in the Table of Benefits on pages 1/2 (except for Section E1.3).
2. Any loss or theft which you do not report to the police within 24 hours of discovering it and which you do not get a written police report for.
3. Any loss, theft or damage to baggage or personal belongings during a journey unless you report this to the carrier and get a property irregularity report at the time of the loss.
4. Any loss or theft from unattended motor vehicles unless the personal belongings were in a locked boot or locked and covered luggage compartment of the vehicle and there is evidence of forcible and violent entry to the vehicle.
5. Any loss or theft from motor vehicles left unattended between the hours of 10pm and 8am.
6. Any loss or theft of money or valuables left in an unattended motor vehicle at any time.
7. Any loss, theft or damage to items carried on a vehicle roof rack.
8. Breakage of fragile articles (including china, glass, sculpture and video equipment) or sports equipment whilst in use unless being transported by a carrier and damage due to fire or other accident to the sea vessel, aircraft, or vehicle they are being carried in.
9. Theft, loss of or damage to pedal cycles, motor vehicles, marine equipment and craft, household goods and winter sports equipment (unless the appropriate winter sports premium has been paid).
10. Theft, loss of or damage to dentures, bridgework, contact or corneal lenses, spectacles, sunglasses, artificial limbs or items of a perishable nature.
11. Theft, loss of or damage to stamps and documents (other than those specifically mentioned under section E3) or business goods or samples or business money (unless the appropriate premium has been paid for Business Cover).
12. Wear and tear, loss of value, mechanical or electrical breakdown or damage caused by any process of cleaning, repairing or restoring, or damage caused by leaking powder or fluid carried within your baggage.
13. Shortages due to mistakes or neglect or variations in exchange rates or depreciation in value.
14. If your belongings are delayed or held by any customs or other officials legally taking your belongings.
15. Cash which you do not carry on your person (unless it is held in a locked safety deposit box).
16. Loss, theft or damage to valuables not carried in your hand baggage while you are travelling.
17. Any item, set or pair where you are unable to provide reasonable proof of ownership or value (for example original receipts).
18. Property you leave unattended (other than in your locked accommodation).
19. Any claim for loss of jewellery whilst swimming or participating in hazardous activities (other than wedding rings).
20. Damage caused to suitcases, holdalls or similar carriers unless you cannot use the damaged item.
21. Loss or theft of personal belongings or baggage while not in your control or while in the control of any person other than an airline or carrier.
22. Any claim if you already have a more specific insurance covering this.
23. Money carried by children.
24. Loss of passport if you do not report the loss to the Consular Representative of your home country within 24 hours of discovery and obtain a report confirming the date of loss and the date on which a replacement passport was obtained.
25. Travellers cheques where the provider will replace losses without charge (other than a service charge).
Please read the general conditions and exclusions.

Section E - Personal belongings, baggage and money
What you are covered for
We will pay up to the amount shown in the Table of Benefits on pages 1/2 for the following:
E1 - Personal Belongings and Baggage
(This Section is only available if it has been shown on your Validation Certificate that cover is in force)
We will pay for the following.
1. After taking off an amount for wear, tear and loss of value, will pay or replace (at our discretion) for the loss, theft of or damage to property owned by you with a limit for any one item, set or pair as detailed in the Table of Benefits.
2. After taking off an amount for wear, tear and loss of value, will pay for loss, theft of or damage to valuables that you own.
We will pay up to the amount shown in the Table of Benefits in total.
3. We will pay up to the amount shown in the Table of Benefits for buying essential items if your baggage is delayed during outward journey for more than 12 hours. You must get written confirmation of the length of the delay from the appropriate airline or transport company and receipts for any items that you buy. We will take any payment we make for delayed baggage from the amount of any claim if your baggage is permanently lost.
E2 - Personal Money
(This Section is only available if it has been shown on your Validation Certificate that cover is in force)
We will pay for the following.
1. We will pay up to the amount shown in the Table of Benefits for the loss or theft of cash, or travellers cheques, if you can give us evidence that you owned them and evidence of their value.
E3 - Passport and Travel Documents
We will pay for the following.
1. We will pay up to the amount shown in the Table of Benefits for the cost of replacing your passport, travel tickets, Green Cards, visas, pre-paid accommodation vouchers, pre-paid car hire vouchers and pre-paid excursion vouchers.
Special exclusions which apply to Section E
We will not cover the following:
1. The applicable excess as stated in the Table of Benefits on pages 1/2 (except for Section E1.3).
2. Any loss or theft which you do not report to the police within 24 hours of discovering it and which you do not get a written police report for.
3. Any loss, theft or damage to baggage or personal belongings during a journey unless you report this to the carrier and get a property irregularity report at the time of the loss.
4. Any loss or theft from unattended motor vehicles unless the personal belongings were in a locked boot or locked and covered luggage compartment of the vehicle and there is evidence of forcible and violent entry to the vehicle.
5. Any loss or theft from motor vehicles left unattended between the hours of 10pm and 8am.
6. Any loss or theft of money or valuables left in an unattended motor vehicle at any time.
7. Any loss, theft or damage to items carried on a vehicle roof rack.
8. Breakage of fragile articles (including china, glass, sculpture and video equipment) or sports equipment whilst in use unless being transported by a carrier and damage due to fire or other accident to the sea vessel, aircraft, or vehicle they are being carried in.
9. Theft, loss of or damage to pedal cycles, motor vehicles, marine equipment and craft, household goods and winter sports equipment (unless the appropriate winter sports premium has been paid).
10. Theft, loss of or damage to dentures, bridgework, contact or corneal lenses, spectacles, sunglasses, artificial limbs or items of a perishable nature.
11. Theft, loss of or damage to stamps and documents (other than those specifically mentioned under section E3) or business goods or samples or business money (unless the appropriate premium has been paid for Business Cover).
12. Wear and tear, loss of value, mechanical or electrical breakdown or damage caused by any process of cleaning, repairing or restoring, or damage caused by leaking powder or fluid carried within your baggage.
13. Shortages due to mistakes or neglect or variations in exchange rates or depreciation in value.
14. If your belongings are delayed or held by any customs or other officials legally taking your belongings.
15. Cash which you do not carry on your person (unless it is held in a locked safety deposit box).
16. Loss, theft or damage to valuables not carried in your hand baggage while you are travelling.
17. Any item, set or pair where you are unable to provide reasonable proof of ownership or value (for example original receipts).
18. Property you leave unattended (other than in your locked accommodation).
19. Any claim for loss of jewellery whilst swimming or participating in hazardous activities (other than wedding rings).
20. Damage caused to suitcases, holdalls or similar carriers unless you cannot use the damaged item.
21. Loss or theft of personal belongings or baggage while not in your control or while in the control of any person other than an airline or carrier.
22. Any claim if you already have a more specific insurance covering this.
23. Money carried by children.
24. Loss of passport if you do not report the loss to the Consular Representative of your home country within 24 hours of discovery and obtain a report confirming the date of loss and the date on which a replacement passport was obtained.
25. Travellers cheques where the provider will replace losses without charge (other than a service charge).
Please read the general conditions and exclusions.

Section A - Cancelling and Cutting Short Your Holiday
What you are covered for
We will pay up to the amount shown in the Table of Benefits on pages 1/2 for travel and accommodation expenses that you have paid or have agreed to pay under a contract and which you cannot get back if it is necessary and unavoidable for you to cancel or cut short your trip or any local pre-paid excursions, tours or activities as a result of the following:
1. You dying, becoming seriously ill or injured.
2. The death, injury or serious illness of a relative, business associate or a person with whom you have booked to travel or a relative or friend living abroad with whom you plan to stay.
3. If you are called for jury service or as a witness (but not as an expert witness) or you are put in quarantine.
4. An accident to a vehicle in which you were planning to travel which happens within seven days before the date you planned to leave which leaves the vehicle unusable (this applies to self-drive holidays only).
5. If you are a member of the armed forces or police, fire, nursing or ambulance services which results in you having to stay in the United Kingdom because of an emergency or you being posted overseas unexpectedly.
6. If you are made redundant as long as you are entitled to payment under the current redundancy payments law and that, at the time of booking your trip, you had no reason to believe that you would be made redundant.
7. If the police need you to remain in the UK after a fire, storm, flood or burglary at your home or place of business within 48 hours before the date you planned to leave.
8. If you are prevented from travelling to your intended destination by Government restriction following an epidemic.
Special exclusions which apply to Section A
We will not cover the following:
1. The applicable excess as stated in the Table of Benefits on pages 1/2.
2. Any claim which results from depression, anxiety, mental strain, or a depressive illness of any type.
3. You not wanting to travel.
4. Any extra costs resulting from you not telling the holiday company as soon as you know you have to cancel your holiday.
5. Pregnancy, if you are more than 24 weeks pregnant at the start of or during your trip (or arrival in your final country of destination if on a one way policy).
6. Cancelling or cutting short the trip because of a medical condition or any illness related to a medical condition which you knew about and which could reasonably be expected to give rise to a claim.This applies to you, a relative, business associate or person you are travelling with and any person you were depending on for the trip.
7. The cost of your original return trip if this has already been paid and you need to cut short your journey.
8. The cost of returning to the original destination to complete your holiday/journey originally planned and increased expenses related to further accommodation there.
9. If you have to cut short your trip and do not return to the United Kingdom, Northern Ireland, Channel Islands, Isle of Man or Eire.
10. Failure to obtain the required inoculations, vaccinations, passport or visas.
11. The cost of visas obtained in connection with your trip.
12. Civil commotion, strike, lock-out, blockades, actions of government of any country or threat of any such event.
Please Note: claims for cutting short your holiday will be calculated from the day you return to the United Kingdom, Northern Ireland, Channel Islands, Isle of Man or Eire (or your final country of destination if on a one way trip) or you are hospitalised as an in-patient.Your claim will be based solely on the number of complete days you have not used.
Special condition which applies to Section A
It is a condition of the cover provided under this section that:
1. You must obtain prior authorisation from the Medical Emergency Assistance Company if you have to cut short your holiday and return early to the United Kingdom, Northern Ireland, Channel Islands, Isle of Man or Eire (or your final country of destination if on a one way trip) for an insured reason.
Please read the general conditions and exclusions.

Section G - Missed Departure
This section does not apply for trips within the United Kingdom, except for trips to the Channel Islands and Isle of Man.
What you are covered for
We will pay up to the amount shown in the Table of Benefits for the reasonable extra costs of travel and accommodation you need if you cannot reach the original departure point of your booked journey on the outward journey because public transport services fail (due to adverse weather conditions, strike, industrial action or mechanical breakdown) or the vehicle in which you are travelling is involved in an accident or breaks down.
Special exclusion which applies to Section G
We will not cover the following:
1. The applicable excess as stated in the Table of Benefits on pages 1/2.
2. Any claim which is the result of a strike or industrial action which you knew about or was public knowledge before you started your trip.
Special conditions which apply to Section G
It is a condition of the cover provided under this section that:
1. You must allow enough time to arrive at your departure point at or before the recommended time;
2. You must get confirmation of the reason for the delay and how long it lasts from the appropriate authority; and
3. If your claim relates to a vehicle breaking down, you must give us evidence that the vehicle was properly serviced and maintained and that any recovery or repair was made by a recognised breakdown organisation.
Please read the general conditions and exclusions.

Section F - Abandoning your holiday and travel delay
What you are covered for
We will pay if the start of your booked outward or return international journeys by aircraft, sea vessel, coach or cross-channel train are delayed, due to a strike or industrial action, poor weather conditions or mechanical breakdown.
You must be delayed by at least 12 hours on each occasion.
Travel delay
(This subsection is not available if you have paid for the long-stay or economy policy options.)
This section does not apply for trips within the United Kingdom, except for trips to the Channel Islands and the Isle of Man.
We will pay for each full 12-hour period of delay, up to the amount shown in the table of benefits, as long as you eventually go on the trip.
Abandonment
If it is necessary for you to have to cancel your outward trip as a result of a delay lasting more than 12 hours, we will pay an amount equal to the cost of your trip, up to the amount shown in the table of benefits less any amount that we can get back.
Special exclusions which apply to section F
We will not cover the following.
1. The excess shown in the table of benefits on pages 1 and 2 for abandonment.
2. Any claim that results from strikes or industrial action which were public knowledge before the start of your trip.
3. Any claim that results from public demonstration, civil unrest or any form of protest.
Special conditions which apply to section F
It is a condition of the cover provided under this section that:
1. you must have checked in for your trip at or before the recommended time; and
2. you get a written statement from the appropriate transport company or authority confirming the reason for the delay and how long it lasted.
Please note:
Claims arising from abandonment, which happen as a result of the circumstances described in the EU travel directives (see the inside cover of this policy booklet) should be directed to the airline concerned first. Any money due under this policy will be reduced by the amount of compensation received from the airline for the
same event.
Please read the general conditions and exclusions.

Section F - Abandoning your holiday and travel delay
What you are covered for
We will pay if the start of your booked outward or return international journeys by aircraft, sea vessel, coach or cross-channel train are delayed, due to a strike or industrial action, poor weather conditions or mechanical breakdown.
You must be delayed by at least 12 hours on each occasion.
Travel delay
(This subsection is not available if you have paid for the long-stay or economy policy options.)
This section does not apply for trips within the United Kingdom, except for trips to the Channel Islands and the Isle of Man.
We will pay for each full 12-hour period of delay, up to the amount shown in the table of benefits, as long as you eventually go on the trip.
Abandonment
If it is necessary for you to have to cancel your outward trip as a result of a delay lasting more than 12 hours, we will pay an amount equal to the cost of your trip, up to the amount shown in the table of benefits less any amount that we can get back.
Special exclusions which apply to section F
We will not cover the following.
1. The excess shown in the table of benefits on pages 1 and 2 for abandonment.
2. Any claim that results from strikes or industrial action which were public knowledge before the start of your trip.
3. Any claim that results from public demonstration, civil unrest or any form of protest.
Special conditions which apply to section F
It is a condition of the cover provided under this section that:
1. you must have checked in for your trip at or before the recommended time; and
2. you get a written statement from the appropriate transport company or authority confirming the reason for the delay and how long it lasted.
Please note:
Claims arising from abandonment, which happen as a result of the circumstances described in the EU travel directives (see the inside cover of this policy booklet) should be directed to the airline concerned first. Any money due under this policy will be reduced by the amount of compensation received from the airline for the
same event.
Please read the general conditions and exclusions.

Section H - Personal liability
What you are covered for
We will pay up to the amount shown in the table of benefits if you are legally liable for accidentally:
1. injuring someone; or
2. damaging or losing somebody elses property.
Special exclusions which apply to section H
We will not cover the following.
1. The excess shown in the table of benefits on pages 1 and 2.
2. Any liability arising from an injury or loss or damage to property:
a. owned by you, a member of your family or household or a person you employ; or
b. in the care, custody or control of you or of your family or household or a person you employ.
3. Any liability, injury, loss or damage:
a. to members of your family or household, or a person you employ;
b. arising out of or in connection with your trade, profession or business;
c. arising out of a contract you have entered into;
d. arising out of you owning, possessing, using or living on any land or in buildings, except temporarily for the purposes of the trip; or
e. arising out of you owning, possessing or using mechanically-propelled vehicles, watercraft (other than rowing boats, punts or canoes) or aircraft of any
description, animals (other than horses, domestic cats or dogs), firearms or weapons (other than guns being used for sport).
Special conditions which apply to section H
It is a condition of the cover provided under this section that:
1. you must give Insure and Go Travel Claims notice of any cause for a legal claim against you as soon as you know about it, and send them any other documents relating to any claim;
2. you must help Insure and Go Travel Claims and give them all the information they need to allow them to take action on your behalf;
3. you must not negotiate, pay, settle, admit or deny any claim unless you get Insure and Go Travel Claimspermission in writing; and
4. we will have complete control over any legal representatives appointed and any proceedings, and we will be entitled to take over and carry out in your name your defence of any claim or to prosecute for our own benefit any claims for indemnity, damages or otherwise against anyone else.
Please read the general conditions and exclusions.

Section L Pet Care
(This Section is not available if you have purchased the Long Stay policy option)
What you are covered for
We will pay for each full 24-hour period of delay for extra kennel or cattery fees if the start of your original pre-booked return journey by aircraft, sea vessel or cross-channel train is delayed because of circumstances outside your control.You must be delayed by at least 12 hours and we will pay up to amount shown on the Table of Benefits.
Special exclusions which apply to Section L
What you are not covered for
1. Any claim that results from a strike or industrial action which you knew about before the start of your trip.
2. Any kennel or cattery fees you pay outside the United Kingdom, Northern Ireland, Channel Islands, Isle of Man or Eire as a result of quarantine regulations.
Special conditions which apply to Section L
It is a condition of the cover provided under this section that:
1. You must have checked in for your trip at or before the recommended time;
2. You get a written statement from the appropriate transport company or authority confirming the reason for the delay and how long it lasted;
3. Any amount we pay under this section only applies to domestic cats or dogs that you own; and
4. You must get a written statement from the appropriate kennel or cattery confirming any extra charges that you have to pay.
Please read the general conditions and exclusions.

Section K Catastrophe
(This Section is not available if you have purchased the Long Stay policy option)
What you are covered for
We will pay up to the amount shown in the Table of Benefits for the cost of travel expenses and providing other similar accommodation if your booked accommodation cannot be lived in because of a fire, flood, earthquake, storm, lightning, explosion, hurricane or major outbreak of infectious disease.
Special exclusions which apply to Section K
We will not cover the following:
1. The applicable excess as stated in the Table of Benefits on pages 1/2.
2. Any expenses that you can get back from any tour operator, airline, hotel or other provider of services.
3. Any expenses that you would normally have to pay during the period shown on your Validation Certificate.
4. Any claim resulting from you travelling against the advice of the appropriate national or local authority.
Special conditions which apply to Section K
It is a condition of the cover provided under this section that:
1. You must give us a written statement from an appropriate public authority confirming the reason and nature of the disaster and how long it lasted;
2. Any event that results in a claim under this section was not known about before you left from your international departure point; and
3. You must give us evidence of all the extra costs you had to pay.
Please read the general conditions and exclusions.

Medical and other emergencies
The Medical Emergency Assistance Company will provide immediate help if you are ill or injured outside the country you live in (or the final country of destination if a one-way trip). They provide a 24-hour emergency service 365 days a year, and you can contact them on:
Emergency phone number: +44 (0)870 420 4163
Or, if you travel within areas 2 to 4 (see the geographical areas section on page 6):
Emergency phone number: +44 (0)20 8763 2088
Emergency fax number: +44 (0)20 8763 3471
If you travel within area 5 (see the geographical areas section on page 6):
Emergency phone number: (1) 713 267 2575
Emergency fax number: (1) 713 952 1594
When you contact the Medical Emergency Assistance Company, you will need to say where you bought the policy from and give
the following information.
- Your name and address
- Your policy number shown on your validation certificate
- Your phone number abroad
- Your dates of outward and return travel

General exclusions
We will not cover the following.
1 We will not be liable for claims where at the time of taking out this insurance (or if there is a change in your medical condition between the date you bought your policy and the booking of each trip, if you have arranged an annual multi-trip policy), the following apply.
a You are aware of any medical condition or set of circumstances which could reasonably be expected to lead to a claim.
b Any person, including those not travelling, whose condition might give rise to a claim:
- is receiving or waiting for hospital investigation or treatment for any undiagnosed condition or set of symptoms;
- is travelling against the advice of a medical practitioner or for the purpose of getting medical treatment abroad; or
- has been given a terminal prognosis, which means your condition will lead to your eventual death.
c We will not be liable for claims unless the condition has been declared to and accepted by underwriters (ring 0870 420 4162), if you or any person insured on your policy:
- has suffered from or received any form of medical advice or treatment or medication for:
- any heart-related or blood circulatory condition (not including mild (see note) well-controlled hypertension suffered in isolation); or
- any breathing condition (not including mild (see note) well-controlled asthma suffered in isolation); or
- has had treatment or consultation for any cancerous condition in the last five years; or
- has been referred to or seen by a hospital doctor or surgeon (other than an A&E doctor), or needed inpatient treatment in the last year.
Note: In this case, mild means you are taking no more than two types of medication, and in the case of asthma you are not using more than two inhalers.
You must make sure that you tell us about any change in circumstances of yourself or any close relative, happening after the policy has been issued and before you travel. We have the right to alter the terms in line with the change in risk.
We will not be liable for claims if you, or any person whose condition may give rise to a claim, are suffering from or have suffered from any diagnosed psychological or psychiatric disorder, anxiety or depression.
2 Any claim arising out of war, civil war, invasion, revolution or any similar event.
3 Loss or damage directly or indirectly caused by any government, public or local authority legally taking or damaging your property.
4 Any claim arising from civil riots or strikes or industrial action of any kind (except for strikes or industrial action which were not public knowledge when you booked your trip).
5 Loss of or damage to any property, or any loss, expense or liability arising from:
a ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from burning nuclear fuel; or
b the radioactive, toxic, explosive or other dangerous properties of any explosive nuclear equipment or any part of it.
6 If at the time of loss, damage or liability arising under this insurance there is any other insurance covering the same loss, damage or liability, or under the EU travel directives you are able to get money from the airline you travelled with, we will only pay our share.
7 Loss, destruction or damage directly caused by pressure waves resulting from any aircraft or other flying object travelling at or above the speed of sound.
8 Any claim arising from you being in, entering or leaving any aircraft other than as a fare-paying passenger in a fully-licensed passenger-carrying aircraft.
9 Any consequential losses (losses which are not listed under the headings What you are covered for in sections A to S, for example, loss of earnings if you cannot work after an injury).
10 Any claim resulting from the tour operator, airline or any other company, firm or person becoming insolvent, or being unable or unwilling to fulfil any part of their obligation to you.
11 Any claim arising or resulting from you being involved in any malicious, reckless, illegal or criminal act.
12 Motor racing or vehicle racing of any kind.
13 Winter sports (unless we provide cover as shown on your validation certificate and you have paid the appropriate premium).
14 Any dangerous activity (unless we have agreed in writing to cover the activity, as shown on an endorsement accompanying your validation certificate, and you have paid the appropriate premium).
15 Any claim arising from you travelling to a country where the Foreign and Commonwealth Office have advised against travel of any kind.
16 Any claim resulting from you doing manual labour in connection with your trade, business or profession, unless specifically approved by us.
17 Any claim arising or resulting from:
- your suicide or attempted suicide; or
- you injuring yourself deliberately or putting yourself in danger (unless you are trying to save a human life).
18 Any claim arising directly or indirectly from using alcohol or drugs (unless the drugs have been prescribed by a doctor) or you are affected by any sexually transmitted disease or condition.
19 Any claim arising as a result of you failing to get the inoculations or vaccinations that you need.
20 Any claim arising from you acting in a way which goes against the advice of a medical practitioner.
21 Any search and rescue costs.
22 Any loss or theft from unattended motor vehicles, unless the property was in a locked boot, a locked and covered luggage compartment of the vehicle or a secured lockable storage box forming part of your vehicle, and there is evidence of forced and violent entry to the vehicle.
23 Any loss or theft from motor vehicles left unattended between 10pm and 8am.
24 Any claim if you already have a more specific insurance covering this.
25 Any claim relating to an incident which you were aware of at the time you took out this insurance and which could reasonably be expected to lead to a claim.

General conditions
The following conditions apply to this insurance.
1 You must have lived in the United Kingdom, Northern Ireland, the Channel Islands, the Isle of Man or Eire for at least six of the last 12 months before you bought or renewed your policy.
2 You must tell InsureandGo if you know about anything which may affect their decision to accept your insurance (for example, dangerous activities or a health condition). If you are not sure whether to tell InsureandGo, tell them anyway.
3 We will not pay for any loss or damage caused as a result of you not acting in a reasonable way to look after your property.
4 You must take all reasonable steps to get back any lost or stolen articles, and you must help the authorities in their efforts to catch and prosecute any guilty people.
5 You must take all reasonable steps to avoid or reduce any loss which may mean that you have to make a claim under this insurance.
6 You must keep to all the conditions and endorsements of this insurance. If you do not, we may not pay your claim.
7 You must help us get back any money that we have paid from anyone or from other insurers (including the Benefits Agency) by giving us all the details we need and by filling in any forms.
8 If you try to make a fraudulent claim, you may be prosecuted and we will not cover your claim and your policy may be cancelled.
9 You must give InsureandGo Travel Claims all the documents they need to deal with any claim. You will be responsible for any costs involved in doing this.
10 You must keep any articles which are damaged and send them to InsureandGo Travel Claims if they ask. You must pay any costs involved in doing this.
11 You must agree to have a medical examination if we ask. If you die, we are entitled to have a post-mortem examination.
12 You must pay us back, within one month of asking, any amounts that we have paid to you which are not covered by this insurance.

Excesses
Under most sections of this insurance you have to pay the first part of any claim, called an excess.This will apply to each person claiming and to each section of the policy which a claim is made under.This amount is shown under each of the sections where it applies.