STA Budget

18-34

Medical Expenses
The Company will indemnify the Insured up to the Sum Insured following illness or injury of the Insured occurring during the Period of Insurance by reimbursement of necessary receipted costs in respect of medical,
surgical or hospital treatment, drugs or appliances, all provided or prescribed by a doctor of medicine not related or travelling with you and given and incurred during the holiday or journey together with the receipted travelling costs incurred in order to obtain such treatment.

Following the death of the Insured during the Period of Insurance to pay (i) all costs in respect of repatriation of the Insured to the U.K./Eire undertaker specified by next-of-kin or (ii) the reasonable cost of burial or cremation in the country where death occurs excepting U.K./Eire but not exceeding the cost of repatriation to the U.K./Eire.

Following the death of the Insured during the Period of Insurance to pay (i) all costs in respect of repatriation of the Insured to the U.K./Eire undertaker specified by next-of-kin or (ii) the reasonable cost of burial or cremation in the country where death occurs excepting U.K./Eire but not exceeding the cost of repatriation to the U.K./Eire.

Luggage and Personal Money
The Company will indemnify the Insured up to the Sum Insured following accidental loss of or damage to luggage and personal effects, cash, travel tickets all being owned and taken on the trip, or purchased during the trip, by the Insured.
Warranty
It is warranted that:-
1. The Insured shall
(a) take all reasonable care for the supervision of the property
(b) immediately report all loss of or damage to property to either the police or other relevant authority and obtain from them a written report in substantiation of the claim. All necessary action to recover the property should be undertaken,
(c) produce receipts or other evidence of value and ownership where possible and in any event in respect of any item valued in excess of £100. Where this is not done liability shall be limited to £100.
(d) retain all damaged items.
2. Liability shall be limited to the intrinsic value of the property (to reflect age and wear and tear) or where applicable to the cost of repair whichever is the lesser
Exclusions applying to Luggage and Personal Money
The Insurer will not cover:
(i) The first £50 of each claim for each event for each Insured Person
(ii) Liability in excess of £100 in respect of all jewellery, furs, watches, photographic, video, audio and other equipment and valuables
(iii) Liability in excess of £100 in respect of any one article or set of articles (including disc collection)
(iv) Loss of or damage to money, jewellery, furs, watches, video, photographic, audio and other equipment and valuables whilst unattended or in/from luggage in transit
(v) Telecommunications and motor vehicle related equipment and accessories
(vi) Loss or damage to:-
(a) Spectacles, sunglasses, dentures, or any other aids or appliances
(b) Sports equipment and protective clothing
(vii) Loss or damage in the custody of an airline or other carrier recoverable from such carrier
(viii) Any damage to, caused by or resulting from, fragile or perishable articles whilst in transit.

Legal Expenses
The Company will indemnify the Insured up to the Sum Insured in respect of legal costs and expenses incurred in the pursuit of compensation and or damages for personal injury or death during the Period of Insurance. It is a condition of this Section that the Company shall have complete control over all negotiations, legal proceedings and the appointment and control of a solicitor.
Exclusions
The Insurer will not cover:
(i) The first £250 of each claim for each event for each Insured person,
(ii) Costs or expenses incurred in pursuit of any claim against us, our agents or representatives
(iii) Any claim reported more than 180 days after the commencement of the incident giving rise to such claim
(iv) Any claim where the Company considers there is insufficient prospect of success in obtaining a reasonable benefit
(v) Costs or expenses incurred prior to the acceptance of the claim by the Company
(vi) Any claim by one member of the Insured party against any other member of the Insured party
(vii)Any claims arising out of your ownership,possession or use of any aircraft, watercraft,mechanically propelled vehicles,watercraft or aircraft of any description,animals,firearms or weapons.
(viii)Any claims arising out of your criminal,malicious or deliberate acts.

Loss of Passport
The Company will indemnify the Insured up to the Sum Insured,in the event of the loss of the Insured 's passport whilst abroad for the cost of an emergency replacement or temporary passport obtained whilst abroad including the Insured 's reasonable and receipted travelling expenses incurred overseas in order to obtain same.

Repatriation Expenses
The Company will indemnify the Insured up to the Sum Insured
1) Following illness or injury of the Insured or of the person travelling with the Insured or following death, injury or illness of either an Insured Persons close relative or a close business associate of the Insured upon whom the insured Persons business in the U.K./Eire. depends to pay (i) receipted costs, necessarily incurred, in respect of repatriation to the U.K./Eire or repatriation home in the U.K./Eire if holidaying in the U.K./Eire (ii) additional costs, necessarily incurred, of accommodation and subsequent repatriation if the trip is extended.
2) Following the death of the Insured during the Period of Insurance to pay (i) all costs in respect of repatriation of the Insured to the U.K./Eire undertaker specified by next-of-kin or (ii) the reasonable cost of burial or cremation in the country where death occurs excepting U.K./Eire but not exceeding the cost of repatriation to the U.K./Eire.
Exclusions and Warranty:- see below
Warranty applicable to Medical Expenses, Repatriation Expenses and Curtailment
In the event of death or injury or illness likely to result in hospitalisation, repatriation, or any alteration in travel plans or where the costs exceed £500 then immediate advice must be given to FirstAssist (for details see Emergency Assistance and Repatriation section on page 1) as specified in this policy and liability shall only attach in respect of expenses agreed by them. It is further warranted that the Insured shall take all reasonable action to obtain medical treatment within any existing reciprocal health care agreement and recover any refunds within that agreement to which they may be entitled. Furthermore the Insured (and/or their legal representative) hereby authorise the release of any medical information as may be required to the Company appointed doctor. It is further warranted that any costs reasonably incurred by the FirstAssist on behalf of the Insured and for the benefit of the Insured in any emergency situation shall not be deemed to be an admission of liability under this insurance. Any refunds in respect of pre-paid unused travel or
accommodation shall inure to the benefit of the Company. We reserve the right to repatriate the Insured Person to the U.K./Eire when in the opinion of the doctor in attendance and our medical advisers the Insured
Person is fit to travel.

Luggage and Personal Money
The Company will indemnify the Insured up to the Sum Insured following accidental loss of or damage to luggage and personal effects, cash, travel tickets all being owned and taken on the trip, or purchased during the trip, by the Insured.
Warranty
It is warranted that:-
1. The Insured shall
(a) take all reasonable care for the supervision of the property
(b) immediately report all loss of or damage to property to either the police or other relevant authority and obtain from them a written report in substantiation of the claim. All necessary action to recover the property should be undertaken,
(c) produce receipts or other evidence of value and ownership where possible and in any event in respect of any item valued in excess of £100. Where this is not done liability shall be limited to £100.
(d) retain all damaged items.
2. Liability shall be limited to the intrinsic value of the property (to reflect age and wear and tear) or where applicable to the cost of repair whichever is the lesser
Exclusions applying to Luggage and Personal Money
The Insurer will not cover:
(i) The first £50 of each claim for each event for each Insured Person
(ii) Liability in excess of £100 in respect of all jewellery, furs, watches, photographic, video, audio and other equipment and valuables
(iii) Liability in excess of £100 in respect of any one article or set of articles (including disc collection)
(iv) Loss of or damage to money, jewellery, furs, watches, video, photographic, audio and other equipment and valuables whilst unattended or in/from luggage in transit
(v) Telecommunications and motor vehicle related equipment and accessories
(vi) Loss or damage to:-
(a) Spectacles, sunglasses, dentures, or any other aids or appliances
(b) Sports equipment and protective clothing
(vii) Loss or damage in the custody of an airline or other carrier recoverable from such carrier
(viii) Any damage to, caused by or resulting from, fragile or perishable articles whilst in transit.

Luggage and Personal Money
The Company will indemnify the Insured up to the Sum Insured following accidental loss of or damage to luggage and personal effects, cash, travel tickets all being owned and taken on the trip, or purchased during the trip, by the Insured.
Warranty
It is warranted that:-
1. The Insured shall
(a) take all reasonable care for the supervision of the property
(b) immediately report all loss of or damage to property to either the police or other relevant authority and obtain from them a written report in substantiation of the claim. All necessary action to recover the property should be undertaken,
(c) produce receipts or other evidence of value and ownership where possible and in any event in respect of any item valued in excess of £100. Where this is not done liability shall be limited to £100.
(d) retain all damaged items.
2. Liability shall be limited to the intrinsic value of the property (to reflect age and wear and tear) or where applicable to the cost of repair whichever is the lesser
Exclusions applying to Luggage and Personal Money
The Insurer will not cover:
(i) The first £50 of each claim for each event for each Insured Person
(ii) Liability in excess of £100 in respect of all jewellery, furs, watches, photographic, video, audio and other equipment and valuables
(iii) Liability in excess of £100 in respect of any one article or set of articles (including disc collection)
(iv) Loss of or damage to money, jewellery, furs, watches, video, photographic, audio and other equipment and valuables whilst unattended or in/from luggage in transit
(v) Telecommunications and motor vehicle related equipment and accessories
(vi) Loss or damage to:-
(a) Spectacles, sunglasses, dentures, or any other aids or appliances
(b) Sports equipment and protective clothing
(vii) Loss or damage in the custody of an airline or other carrier recoverable from such carrier
(viii) Any damage to, caused by or resulting from, fragile or perishable articles whilst in transit.

Cancellation
The Company will indemnify the Insured up to the Sum Insured in respect of loss of deposits or cancellation charges levied for pre-booked transport and accommodation in the event of cancellation of the entire
trip prior to its commencement as a result of travel being prevented by:-
1) Death, injury or illness as certified by a doctor, summons for jury service or as a compulsory witness in a court of law (other than in the line of duty) to be undertaken during the Period of Insurance, compulsory redundancy qualifying for payment under the current Redundancy Legislation and notified after the date or effecting the Insurance, of
(a) the Insured
(b) the Insured's travelling companion
(c) a close relative of the Insured
(d) a close business associate of the Insured upon whom the Insured Persons business in the U.K./Eire depends
(e) the host of the Insured or a member of the hosts family residing with the host.
2) Major fire or storm damage or burglary of the Insureds home arising or being discovered within 5 days of commencement of or during the period of insurance
3) Cancellation of leave or posting of British Armed Forces, Police or Government Security Personnel where confirmed in writing by the appropriate authority,
4) Hijack of any aircraft on which the Insured is travelling or were scheduled to travel,
5) The Insured being required to re-sit a University or College examination which formed part of a full time course or study, providing the travel arrangements were booked prior to the date on which the previous examination was failed,
6) Breakdown, accident (which makes the vehicle unusable) or theft of a vehicle in the U.K./Eire in which the Insured was due to travel, occurring within 5 days of the commencement of the booked travel covered by this Insurance.(this applies to self-drive holidays only)
7) A complication of the Insureds pregnancy or the duration of such pregnancy exceeding 30 weeks on the date of departure from the U.K./Eire.
8) Unavoidable delay exceeding 12 hours at the final point of departure from the U.K./Eire as a result of failure or disruption of the pre-booked public transport service in which the Insured was due to depart from
the U.K./Eire, where no alternative form of transport is offered.
EXCLUSIONS
The Insurer will not cover:
(i) The first £50 of each claim for each Insured Person,
(ii) Any claim arising from a medical condition existing prior to the payment of the insurance premium or from a recurrent condition for which the sick person whose medical condition causes cancellation, whether they are booked to travel on the holiday or not, has or has had symptoms which are awaiting or receiving investigation, tests, treatment, referral or the results of any of the foregoing, or where a doctor would have advised the persons travelling not to travel.
(iii) Any additional charges incurred as a result of any delay in the insured cancelling the booked arrangements.

Personal Liability
The Company will indemnify the Insured up to the Sum Insured against all sums the Insured becomes legally liable to pay as damages together with claimants costs in respect of:-
(a) Accidental bodily injury to or death or illness of any person
(b) Accidental loss of or damage to material property, occurring during the Period of Insurance. The Company will in addition pay all costs and expenses incurred with its written consent.
Exclusions
The Company will not cover claims arising directly or in directly from:
(i) The ownership, possession or use of any aircraft, watercraft or mechanically propelled vehicle
(ii) Loss of or damage to property belonging to or in the custody or control of the Insured or any member of the Insureds family or household including the ownership, possession or use of any building or land excepting temporarily for the purpose of the trip.
(iii) Any criminal, wilful or malicious act
(iv) The pursuit of any trade business or profession
(v) Bodily injury death or illness of the Insured or any member of the Insureds family or household or person you employ or your travelling companions
(vi) Liability assumed under agreement unless such liability would have attached notwithstanding any such agreement.

It is warranted that:-
1. The Insured shall
(c) produce receipts or other evidence of value and ownership where possible and in any event in respect of any item valued in excess of £100. Where this is not done liability shall be limited to £100.

General Exclusions
The Company shall not be liable in respect of the following;-
1. Any claim
(a) sustained whilst suffering from alcoholism or drug addiction
(b) attributable to the influence of alcohol or drugs not prescribed by a qualified medical practitioner
(c) due to or arising out of
(i) stress, anxiety or depressive conditions, suicide or attempt thereat psychiatric illness, terminal illness, sexually transmitted disease, any deliberate exposure to danger, a criminal act (unless you are trying to save a human life)
(ii) engaging in Adventure Activities (unless appropriate premium paid)
(iii) flying other than as a passenger in a fully licensed aircraft.
2. Any circumstances manifesting themselves subsequent to the date of booking the trip but prior to the date of issue of the insurance.
3. Any costs or expenses which are recoverable from any other source.
4. Any liability, howsoever arising, resultant from
(i) the use of either faulty or inferior property or property not fulfilling its purpose
(ii) the lack of provision of any service or the provision of such service not being of an appropriate standard
(iii) withdrawal from service (temporary or otherwise) of a coach, an aircraft or sea vessel on the recommendation of a Port Authority, Civil Aviation Authority or of any similar body.
5. Any liability resulting either directly or indirectly from any supplier of travel or associated services ceasing to trade.
6. Any consequence of war, invasion, act of foreign enemy, act of terrorism, hostilities whether war be declared or not, civil war, riot, civil commotion or workers or other persons taking part in a labour dispute, rebellion, insurrection, military or usurped power.
7. Loss, destruction or damage to any property, consequential loss, legal liability injury, expense or indemnity of whatsoever nature arising directly or indirectly from or contributed to by ionising radiation or contamination by radioactivity from any nuclear fuel or waste or any nuclear component of whatsoever nature.
8. Any consequential loss or expense that may arise. This includes all telephone, fax, internet use and similar costs regardless of the circumstances.
9. The disinclination of the Insured to travel.
10.Your travel to a country or specific area or event to which the Travel Advice Unit of the Foreign & Commonwealth Office or the World Health Organisation has advised the public not to travel.
11.Any claim arising as a result of you failing to obtain the appropriate travel documents and visas.

GENERAL EXCLUSIONS POLICY
This Policy does not cover:
6. any consequence of war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power or confiscation or nationalisation or requisition or destruction of or damage to property by or under the order of any Government or local authority or riot or civil commotion with the exception of Section 9B (Government travel restrictions); Terrorist act shall mean any actual or threatened use of force or violence directed at or causing damage, injury, harm or disruption, or committing of an act dangerous to human life or property or government, with stated or unstated objective of pursuing economic, ethnic, nationalistic, political, racial or religious interests, wether such interests are declared or not. Terrorism shall also include any act which is verified or recognised by the (relevant) Government as an act of terrorism.

GENERAL EXCLUSIONS POLICY
This Policy does not cover:
6. any consequence of war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power or confiscation or nationalisation or requisition or destruction of or damage to property by or under the order of any Government or local authority or riot or civil commotion with the exception of Section 9B (Government travel restrictions); Terrorist act shall mean any actual or threatened use of force or violence directed at or causing damage, injury, harm or disruption, or committing of an act dangerous to human life or property or government, with stated or unstated objective of pursuing economic, ethnic, nationalistic, political, racial or religious interests, wether such interests are declared or not. Terrorism shall also include any act which is verified or recognised by the (relevant) Government as an act of terrorism.

General Conditions
1. The insurance premium is not refundable under any circumstances other than during the period as defined in the paragraph headed Option to Cancel on page 1.
2. Cover for children aged under 2 is limited to Cancellation, Medical and Repatriation expenses only.
3. No liability shall attach in respect of persons who are not resident of the U.K./Eire where such liability would not have existed had the person been a permanent resident of the U.K./Eire.
4. The Insured shall take all reasonable precautions to avoid injury loss or damage.
5. Any word or expression to which a specific meaning has been attached in any part of this policy shall bear such meaning wherever it may appear.
6. Except under Personal Accident, if any loss, damage, injury, liability or expense is the subject of any other insurance the Company shall not be liable to pay except in respect of any excess beyond the amount which would have been payable under such other insurance had this policy not existed.
7. (i) (a) The travel company named in this document is not a servant or agent or employee of the Insurers named herein
(b) the Insured shall at the time of effecting this insurance disclose to Towergate Chase Parkinson directly any facts that could be material to this insurance
(ii) if, after the payment of the premium and the issue of cover, but before commencement of travel, the Insured or any other person upon whose health the trip is dependant shall suffer from a chronic or an acute medical condition which may affect the travel plans or may require medical intervention during the Period of Insurance then such condition shall be disclosed to Towergate Chase Parkinson immediately.
8. On the happening of any event which may give rise to a claim the Insured shall
(a) give immediate written notice but in any event within 28 days of the date of the occurrence to Towergate Chase Parkinson
(b) furnish at the Insureds expense such reports information and proof as may reasonably be required.
9. The Insured is not at the time of effecting this insurance aware of any circumstances which are likely to result in a claim under this policy.
10. All liability shall cease upon the return of the Insured to the U.K./Eire or upon their admission into medical care in the U.K./Eire whichever shall be the sooner.
11. If any claim upon this Policy be in any respect fraudulent or if any fraudulent means or devices be used by the Insured or anyone acting on his behalf to obtain benefit under this Policy all benefit thereunder shall be forfeited.
12. In the absence of Insurers written agreement to the contrary this policy shall be governed by the law applicable to your U.K./Eire home address.
13. The Company shall be entitled at its own expense to take any proceedings it considers reasonable in the Insureds name to recover any payment made under this policy and any amount so recovered shall belong to the Company.