Saga Annual Travel

45 day trips

Medical warranty and general warranty
Medical warranty
Please read this carefully as it may affect your cover:
1. At the time of buying or renewing your policy or when booking a trip (whichever is later), each insured person must guarantee the following:
a. you have told us if you have ever received advice, medication or treatment for any serious chronic or recurring illness, injury or disease
b. you have told us if you are currently suffering from or have suffered from any heart or cancer conditions in the last 5 years
c. you have told us if you are under investigation or awaiting results for any diagnosed or undiagnosed medical condition d. you have told us if you are on a waiting list for, or are aware of the need for in-patient
treatment for any diagnosed or undiagnosed medical condition
e. you are not travelling against your UK doctors advice
f. you have told us if any close relative, close business associate, travelling companion, or person you plan to stay with (and upon whose good health your trip depends) has a serious, chronic or recurring illness, injury or disease which could have an affect on your decision to take or continue your trip.
g. you have told us if you have a terminal illness.
2. If, between booking a trip and the departure date or the renewal date (whichever is sooner), you receive medical advice for a potentially serious illness or injury, your policy will cover you for cancellation of your trip. However, if you still wish to travel, please contact us on 0845 3020211 and we will advise if we can continue to offer any cover under this policy. If no cover is available the policy will be cancelled and a pro-rata refund will be allowed. If cover is still available an additional premium may be charged.
3. If, between booking a trip and the departure date or the renewal date (whichever is sooner), anyone upon whose good health your trip depends, such as a close relative or your travelling companion, receives medical advice for a potentially serious illness or injury, your policy will cover you for cancellation of your trip. However, if you still wish to travel, we will advise you if you will be covered for abandonment claims relating to this condition.
4. Please note that failure to disclose any pre-existing medical conditions will result in any future claims being declined.
General warranty
At the time of buying or renewing your policy or when booking a trip (whichever is later), each insured person must guarantee that they have told us of any non-medical reason why the proposed trip could be cancelled or abandoned.
If you cannot guarantee the above you must phone us on 0845 3020211

Section B - Emergency medical and associated expenses
1. If you are injured, fall ill, are quarantined or die during your trip, we will pay for the following:
a) Emergency medical treatment outside the UK (including rescue services to take you to hospital)
b) Up to £350 for emergency dental treatment outside the UK to relieve pain
c) Up to £5,000 for the cost of burying or cremating you in the country outside the UK where you die
d) Up to £7,500 for the cost of returning your body or ashes to your home; and
e) Any reasonable extra charges for half board accommodation (of a similar standard to the accommodation you had for the rest of your journey) if you have to stay after the date you were going to return to the UK. We will also pay travel costs which you have to pay to get back home if you cannot use your return ticket to the UK .
f) Up to £300 for additional kennel or cattery fees for your dog or cat if you have to stay after the date you were going to return.
2. We will pay the cost of getting you home if it is medically necessary because you are seriously injured or fall seriously ill during your trip and you cannot use your return ticket.
Under items 1e and 2 above, we will also pay the reasonable travel and accommodation costs of one relative or friend who has to travel or stay with you if your treating doctor and our Medical Emergency Assistance provider think that it is necessary.
Special conditions
1. You must phone the medical emergency helpline on (+44) 20 8763 4878 immediately if you need to go into hospital as an in-patient or if you need to return to the UK .
2. If you are injured or become ill during your trip, our Medical Emergency Assistance provider may:
- move you from one hospital to another;
and /or
- arrange for you to return to the UK at any time.
They will do this if they and the treating doctor think that it is safe for you to be moved or returned to the UK. If you choose not to return to the UK our liability will end on the date it was deemed safe for you to return.
The most we will pay
Within the UK: £2,000 for each insured person under items 1d, 1e and 2 above during your trip .
Elsewhere: Up to £10,000,000 for each insured person.
Excess
We will not pay the first £50 of each insured person s claim. In the event of a medical claim having been reduced by the use of Form E111 the excess under Section B -Emergency medical and associated expenses will be reduced to nil. (Please see conditions below.)
Reciprocal Health Agreements
European Union
If you are travelling to countries in the European Union, Iceland, Liechtenstein, Norway or Switzerland, we strongly recommend that you take an E111 form or European Health Insurance Card (EHIC) with you. Application forms for these can be obtained from the post office and should be completed and validated before you travel. This will allow you to benefit from the reciprocal health arrangements, which exist with these countries. You should take reasonable steps to use these arrangements where possible.
If we agree to a claim for medical expenses which has been reduced by you using an E111 form or EHIC you will not have to pay the excess amount under Section B -Emergency Medical and Other Expenses.
Where it is necessary for you to provide evidence of the medical costs incurred, this must show that the medical fee has been reduced by use of the E111 form or EHIC.
For further information about the E111 form or EHIC, please refer to the Health Advice For Travellers booklet from the post office or visit the Department of Health website www.dh.gov.uk.
What is not covered under Sections B and C
1. Any claim for a medical condition if any insured person has travelled against the advice of a UK doctor or would be travelling against the advice of a UK doctor if they had taken such advice.
2. Any claim for a medical condition if any of the following applied when you took out your policy or booked your trip (whichever is later). You:
a had ever received advice, medication or treatment for any serious, chronic or recurring illness, injury or disease unless the condition was disclosed to and accepted by us
b.had ever suffered from or are currently suffering from any heart or cancer condition unless disclosed to and accepted by us
c.were under investigation or awaiting results for any diagnosed or undiagnosed condition unless disclosed to and accepted by us
d.were on a waiting list for in-patient treatment or were aware of the need for in-patient treatment for any diagnosed or undiagnosed condition unless disclosed to and accepted by us
e.had been told you have a terminal illness.

Section E - Personal accident
We will cover you if you suffer an accidental injury during your trip that leads directly to your:
a) Death;
b) Loss of one or more limbs and/or the total loss of sight in one or both eyes; or
c) Permanent total disablement after 104 weeks (except where compensation is paid under b) above).
Special conditions
1. The death or disability must happen within one year of the accident.
2. You can only claim for one item under this section.
The most we will pay
The amount we will pay for each insured person is £30,000 other than the death benefit for people under 16 where the maximum we will pay is £1,000, and the death benefit for an insured person aged over 70 years when the maximum we will pay is £15,000.
The benefits will be paid to you or your legal representative.
What is not covered
1. Any claim for sickness, disease, nervous shock or naturally occurring condition or degenerative process.
2. Any claim that results from:
a) you flying (except while travelling in an aircraft as a passenger) or taking part in other aerial activities
b) you motor cycling:
- as a rider or passenger on a machine over 125cc; or
- as a rider or passenger on a machine 125cc or under unless you wear a crash helmet and, as a rider, you hold a full UK motorcycle licence
c) your involvement in manual work of any kind
d) you taking part in any winter sports activity listed on page 12 unless winter sports cover is shown on your policy schedule
e) you taking part in a leisure or winter sports activity not listed on page 12
f) you taking part in any organised team or contact sport not listed on page 12, any sport or competition as a professional, competing in or practising for speed or time trials, sprints or racing of any kind
g) you taking part in expeditions or being a crew member on a vessel travelling from one country to another.
3. Anything mentioned in the General exclusions on page 37.

Section C - Hospital benefit
If you are claiming for medical expenses that are covered under Section B, we will also pay you £25 for every 24 hours you are being treated as an in-patient in a hospital outside the UK towards incidental expenses you have to pay, such as telephone calls.
The most we will pay
The most we will pay for each insured person is £1,000.
What is not covered under Sections B and C
1. Any claim for a medical condition if any insured person has travelled against the advice of a UK doctor or would be travelling against the advice of a UK doctor if they had taken such advice.
2. Any claim for a medical condition if any of the following applied when you took out your policy or booked your trip (whichever is later). You:
a) had ever received advice, medication or treatment for any serious, chronic or recurring illness, injury or disease unless the condition was disclosed to and accepted by us
b) had ever suffered from or are currently suffering from any heart or cancer condition unless disclosed to and accepted by us
c) were under investigation or awaiting results for any diagnosed or undiagnosed condition unless disclosed to and accepted by us
d) were on a waiting list for in-patient treatment or were aware of the need for in-patient treatment for any diagnosed or undiagnosed condition unless disclosed to and accepted by us
e) had been told you have a terminal illness.
3. Any claim for a medical condition where you have received medical advice for a potentially serious illness or injury between booking your trip and the departure date unless disclosed to and accepted by us.
4. Any claim for a medical condition you were planning to get medical treatment for during your trip.
5. Any claim for:
a) the cost of in-patient hospital treatment or going home early that our Medical Emergency Assistance provider has not agreed beforehand
b) the cost of any non-emergency treatment or surgery including exploratory tests which are not directly related to the illness or injury that you originally went to hospital for
c) any form of treatment that your treating doctor and our Medical Emergency Assistance provider think can reasonably wait until you get back to the UK
d) cosmetic surgery
e) medication which,at the time your trip started, you knew that you would need while you were away
f) any extra costs because you have a single or private room
g) treatment or services provided by a health spa,convalescent or nursing home or any rehabilitation centre
h) any treatment after you have returned to the UK .
6 Any claim that results from:
a) any anxiety state,depression,mental or nervous disorder which had been diagnosed when you took out your policy or booked your trip (whichever is later) unless disclosed to and accepted by us
b) pregnancy or childbirth where the expected date of delivery is less than 12 weeks (16 weeks in the case of a multiple pregnancy) before your planned return date
c) you flying (except while travelling in an aircraft as a passenger) or taking part in other aerial activities
d) you motor cycling:
- as a rider or passenger on a machine over 125cc; or
- as a rider or passenger on a machine 125cc or under unless you wear a crash helmet and, as a rider, you hold a full UK motorcycle licence
e) your involvement in manual work of any kind
f) you taking part in any winter sports activity listed on page 10 unless winter sports cover is shown on your policy schedule
g) you taking part in a leisure or winter sports activity not listed on page 10
h) you taking part in any organised team or contact sport not listed on page 10, any sport or competition as a professional or competing in or practising for speed or time trials, sprints or racing of any kind
i) you taking part in expeditions or being a crew member on a vessel travelling from one country to another.
7. Costs incurred following your decision not to return to the UK after the date when, in the opinion of our Medical Emergency Assistance provider, it was safe for you to do so.
8 Any claim resulting from a tropical disease where you have not had the recommended inoculations and/or taken the recommended medication.
9 Anything mentioned in the General exclusions on page 37.

Section B - Emergency medical and associated expenses
1. If you are injured, fall ill, are quarantined or die during your trip, we will pay for the following:
a) Emergency medical treatment outside the UK (including rescue services to take you to hospital)
b) Up to £350 for emergency dental treatment outside the UK to relieve pain
c) Up to £5,000 for the cost of burying or cremating you in the country outside the UK where you die
d) Up to £7,500 for the cost of returning your body or ashes to your home; and
e) Any reasonable extra charges for half board accommodation (of a similar standard to the accommodation you had for the rest of your journey) if you have to stay after the date you were going to return to the UK. We will also pay travel costs which you have to pay to get back home if you cannot use your return ticket to the UK .
f) Up to £300 for additional kennel or cattery fees for your dog or cat if you have to stay after the date you were going to return.

Section B - Emergency medical and associated expenses
1. If you are injured, fall ill, are quarantined or die during your trip, we will pay for the following:
a) Emergency medical treatment outside the UK (including rescue services to take you to hospital)
b) Up to £350 for emergency dental treatment outside the UK to relieve pain
c) Up to £5,000 for the cost of burying or cremating you in the country outside the UK where you die
d) Up to £7,500 for the cost of returning your body or ashes to your home; and
e) Any reasonable extra charges for half board accommodation (of a similar standard to the accommodation you had for the rest of your journey) if you have to stay after the date you were going to return to the UK. We will also pay travel costs which you have to pay to get back home if you cannot use your return ticket to the UK.
f) Up to £300 for additional kennel or cattery fees for your dog or cat if you have to stay after the date you were going to return.

Section B - Emergency medical and associated expenses
1. If you are injured, fall ill, are quarantined or die during your trip, we will pay for the following:
a) Emergency medical treatment outside the UK (including rescue services to take you to hospital)
b) Up to £350 for emergency dental treatment outside the UK to relieve pain
c) Up to £5,000 for the cost of burying or cremating you in the country outside the UK where you die
d) Up to £7,500 for the cost of returning your body or ashes to your home; and
e) Any reasonable extra charges for half board accommodation (of a similar standard to the accommodation you had for the rest of your journey) if you have to stay after the date you were going to return to the UK. We will also pay travel costs which you have to pay to get back home if you cannot use your return ticket to the UK.
f) Up to £300 for additional kennel or cattery fees for your dog or cat if you have to stay after the date you were going to return.

Section N - Personal money
We will cover you for loss or theft of cash (including foreign currency), travellers cheques, non-refundable pre-paid tickets, travel tickets, hotel vouchers, passport and driving licence during your trip . Contact us on (+44) 20 8763 4879 and we will advise you how to replace lost or stolen personal money.
Special conditions
1 You must always take reasonable care to keep your personal money safe. If your personal money is lost or stolen you must take all reasonable steps to get it back.
2.You must be able to prove that you own the lost or stolen personal money and how much it is worth. If you do not, it may affect your claim.
The most we will pay
The most we will pay for each insured person is £500, but no more than £300 for cash or bank notes.
A reduced limit of £100 for cash or bank notes applies to insured persons aged under 16 years.
Excess
We will not pay the first £50 of each insured persons claim.
What is not covered
1.Any loss or theft which you do not report to the police within 24 hours of discovery and get a written police report.
2.Any personal money which is delayed, detained or confiscated by customs or other officials.
3.Bonds, securities or documents of any kind.
4.Loss or theft of personal money not carried in your hand baggage while you are travelling.
5.Loss or theft of personal money while it is unattended .
6.Shortages due to a mistake, or loss due to a change in exchange rates.
7. Anything mentioned in the General exclusions on page 37.

Your legal cover
If you have paid your premiums when due, we will provide you with the following cover:
Section X - Legal expenses and advice
Legal Expenses Cover
This section is arranged and underwritten (insured) by Saga Insurance Company Limited. 57-63 Line Wall Road, Gibraltar. Registered number 88716 (Gibraltar). This section should be read in conjunction with General conditions on page 38 and General exclusions on page 37.
Glossary of terms
The following definitions are in addition to or may replace those shown on pages 5 and 6 of the policy. They only apply to this section.
Appointed representative
A solicitor or appropriately-qualified person, firm or company including us who we appoint to act for you according to the terms of this section.
Date of incident
The date of the event which led to the claim under this policy; or the date of the first event in cases where there is more than one event arising from the same cause.
Incident
The event which led to a claim under this policy.
Legal costs
All reasonable and necessary costs and expenses charged by the appointed representative and agreed by us; or costs which an insured person has been ordered to pay by a court or other body, which we have agreed to or authorised.
Legal proceedings
Preparing work for a civil claim in the territory including negotiating a settlement and any hearings in a civil court, tribunal or arbitration.
Reasonable prospects
Where there is more than a 51% chance of succeeding with your claim and/or enforcing any award.
Territory
The geographical limit as stated in your policy Schedule.
We, our, us
Saga Insurance Company Limited.
Cover Bodily injury
We will cover legal costs for pursuing legal proceedings that arise from an incident that causes death or bodily injury to you provided that:
- the date of incident is during the period of insurance;
- the incident happened within the territory;
- the legal proceedings will be dealt with by a court or other authority which we agree to within the territory; and
- we agree there are reasonable prospects of success.
We will cover legal costs for pursuing legal proceedings to appeal or defend an appeal relating to a claim insured under this policy provided that:
- you notify us within the relevant period for bringing a claim, and/or within six working days prior to any court, tribunal or arbitration deadline; and
- we agree there are reasonable prospects of success.
Disclosure
We have appointed Parabis Law LLP to handle the claims made under the Legal Expenses Cover section of the policy and to manage our legal advice helpline on our behalf. We also have an agreement with Parabis Law LLP, as a member of our panel of legal firms, that they will provide legal services to you when we have agreed to provide you with legal assistance and representation under this section of the policy. We pay fees to Parabis Law LLP depending on the service provided and we receive a membership fee of £3,500 per month for the referral of death or personal injury claims that Parabis Law LLP handle for our customers. We also offset against the fees paid to Parabis Law LLP for their services, the credit we receive from the value generated by Parabis Law LLP conducting policy holders claims under a Collective Conditional Fee Agreement. This arrangement with Parabis Law LLP does not restrict their independence and you will at all times receive the best advice for you. It does not restrict your rights under condition 4 of the Legal Expenses Cover section of the policy. If you wish to raise questions on any aspect of this arrangement or require any further information please contact:
The Head of Travel Claims
Saga Services Limited
The Saga Building
Middelburg Square
Folkestone
Kent
CT20 1AZ
Claims settlement
The most we will pay for any claim or series of claims arising from one event is £50,000.
Exclusions
We will not pay for the following:
- Any claim reported to us more than 180 days after the date you knew or should have known about the incident leading to the claim.
- Any legal costs and expenses incurred prior to our acceptance of your claim.
- Any claim resulting from any illness or injury that develops gradually or is not caused by a specific or sudden accident.
- Any costs to defend your legal rights in claims made against you.
- Anything which happened prior to you taking out this legal expenses insurance.
- Any claim relating to Deep Vein Thrombosis or any symptoms it produces that result from you travelling by air.
- Any claim where we or the appointed representative believe there are not reasonable prospects of success.
- Any application for judicial review.
- Penalties, fines or compensation you are ordered to pay by a court or other authority.
- Disputes with us or Saga Group Limited not covered under condition 12 Arbitration.
- Any claim arising from a criminal, malicious or deliberate act by you.
- Any claim relating to libel or slander.
- Any claim relating to your alleged violent or dishonest behaviour.
- Any legal action you take that has not been agreed by us or the appointed representative or actions you take that hinder us or the appointed representative.
- Any legal costs that are incurred where we agree a contingency fee arrangement with the appointed representative.
- Any claim caused directly or indirectly by any device failing to recognise, interpret or process any date as its true calendar date.
The Contract (Rights of Third Parties) Act 1999 does not apply to this policy in relation to any third party rights or interests.
Conditions
Please read these conditions carefully. They are an important part of the policy.
1. Reasonable care You must do everything possible to keep legal costs as low as possible or avoid legal proceedings.
2. Telling us about claims You must tell us as soon as it is reasonably possible and in any event within 180 days about any matter which you may claim for under this section. For more information on making a claim, please refer to How to make a claim on pages 35 and 36.
3. Reasonable prospects: our permission to go ahead If we are satisfied that there are reasonable prospects of success in your legal proceedings, we will give our written permission to pay for legal costs. We will not pay for legal costs you incur before we give our written permission and we will not pay for legal costs which are greater than those we agreed to. If you or we disagree about any costs, we can both refer the matter to arbitration according to condition 12 of this section.
4. Choice of appointed representative We will choose an appointed representative to act for you. If you are not satisfied with the appointed representative we have chosen, you can choose another appointed representative. We will accept your choice as long as:
- we are satisfied that the appointed representative you have chosen can handle the claim; and
- the appointed representative confirms in writing that he or she will co-operate with the terms of this section and our standard terms of appointment.
You may choose an appointed representative if there is a conflict of interest. We may choose not to accept an appointed representative of your choice but this will only be in exceptional circumstances. You can refer any dispute arising from your choice to arbitration according to condition 12 of this section.
5. Your responsibilities
You must do the following:
- Send your appointed representative, as soon as you receive them, a copy of any writ, summons, legal process or other communication you receive to do with the claim.
- Tell us immediately if you or the appointed representative receive an offer to settle the claim or if a payment is made into court.
- Not admit any responsibility or make an offer or promise to pay or do anything that may harm your claim.
- Give proper instructions to us or to the appointed representative.
- Give the appointed representative all documents and information they may need.
- Go to any meetings if you are asked to do so which are relevant to the legal proceedings.
- Not withdraw instructions from an appointed representative without our prior approval.
- Provide every reasonable assistance to us and to your appointed representative to handle the claim and keep us up to date with the progress of your claim.
- Not carry out the case in a way different from the way your appointed representative has asked you to.
- Send us all bills for legal costs from your appointed representative immediately after you receive them.
- If we ask, send the appointed representatives bill to court or the appropriate local Law Society to be taxed or certified.
- Pay us any legal costs you may recover.
- Consider all reasonable approaches to settle the dispute without court proceedings including the use of Alternative Dispute Resolution methods such as mediation.
6. Using the appointed representative We will be able to talk to the appointed representative at all times and get any information, report, document, correspondence or advice to do with a claim from them. However, if the appointed representative considers your interest would be affected by giving any documents or information to us, we will not see them. You must give the appointed representative instructions for this purpose.
7. Offers of settlement and withdrawal of legal proceedings by us We can withdraw our support and not pay any further legal costs which you or your appointed representative incur following your refusal to accept any reasonable settlement of your claim. We can also withdraw our support and not pay for any further legal costs if, having consented to proceed, we subsequently consider that prospects for success in your legal proceedings are no longer reasonable or better. If you or we disagree, we can both refer the matter to arbitration according to condition 12 of this section.
8. If you withdraw from legal proceedings If you withdraw from a claim without getting our agreement beforehand all legal costs will become your responsibility.
9. If the appointed representative withdraws from legal proceedings If the appointed representative refuses to act for you with good reason, we will give consideration to the circumstances of this action and to your chances of success. Cover under this section of the policy terminates as soon as the appointed representative refuses to act for you unless we still think there are reasonable prospects and we give our permission to go ahead, at which point you can choose another appointed representative.
10. Promises to the appointed representative We will not have to keep any promise which you give to the appointed representative or which you or the appointed representative give to any person about paying fees or expenses without our permission.
11. Recovery of payments made The payment of claims is dependant on:
- your recognition of our right to take proceedings in your name, but at our expense; and
- you providing every reasonable assistance to us and to your appointed representative to enable us to recover for our benefit the amount of any payments under this section.
12. Arbitration If there is a dispute between you and us about this section, we can both refer to an arbitrator who will be a solicitor or barrister we both agree on in writing. If we cannot agree, the President of the local Law Society or the Bar Council will decide on an arbitrator. The decision of the arbitrator will be final and binding and he or she will decide who should pay the costs of the arbitration and resolving the disagreement. If costs are awarded against you, they are not covered under this section. This arbitration condition does not affect your rights to take separate legal action.
13. Our Rights We can take over any claim or legal proceedings in your name at any time. We will have direct contact with the appointed representative and can negotiate any claim on your behalf. We may decide not to commence or to terminate legal proceedings at any time and pay you the amount that you are claiming for or the amount being claimed against you.
14. Choice of law This section of the policy will be governed by English law.
How to make a claim
If an incident happens for which you require legal advice, please contact our legal helpline on 0845 366 1100 from the UK or +44 1303 774195 from abroad. If you wish to submit a claim, first check the policy Schedule and policy to make sure that the incident is covered. If you are in any doubt and would like further advice, please contact our legal helpline. In most cases you will be asked to forward full details in writing so that our claims team can review your claim and determine whether the incident is covered. We may also ask you to complete a claim form.
Please write to us at:
Saga Legal Expenses Claims
8 Bedford Park
Croydon
Surrey
CR0 2AP
Claim details can also be e-mailed to info@saga legal.co.uk
Please read conditions 1 to 14 for details of the claims conditions. Claims are usually handled by an appointed representative of our choice, but sometimes we deal with claims ourselves. Claims outside the United Kingdom may be dealt with by other offices elsewhere in Europe. Please do not ask for help from a solicitor or accountant before we have agreed. If you do, we will not pay the costs involved even if we do accept the claim. Customer service If your enquiry or complaint is about a legal expenses claim:
Step 1 - Please contact the person who is handling your claim.
Step 2 - If this does not resolve your problem you may write to:
The Senior Partner
Parabis Law LLP
8 Bedford Park
Croydon
Surrey
CR0 2AP
Telephone - 0845 366 1100
Step 3 - If you are not satisfied with our final response, you can ask the Financial Ombudsman Service to review your case. Please see page 40 for further details.

Section M - Loss of passport
We will cover you for loss or theft of your passport while you are abroad. We will pay reasonable extra travel, accommodation and communication expenses you have to pay to get a temporary passport and the cost of the temporary replacement passport. Contact us on (+44) 20 8763 4879 and we will advise you how to replace lost or stolen passports.
Special condition
You must always take reasonable care to keep your passport safe. If your passport is lost or stolen you must take all reasonable steps to get it back.
The most we will pay
The most we will pay for each insured person is £350.
What is not covered
1.Any loss or theft of your passport if you do not report it to the police within 24 hours of discovery and get a written police report.
2.Any loss or theft of your passport while it is unattended .
3. Anything mentioned in the General exclusions on page 37.

Section N - Personal money
We will cover you for loss or theft of cash (including foreign currency), travellers cheques, non-refundable pre-paid tickets, travel tickets, hotel vouchers, passport and driving licence during your trip . Contact us on (+44) 20 8763 4879 and we will advise you how to replace lost or stolen personal money.
Special conditions
1.You must always take reasonable care to keep your personal money safe. If your personal money is lost or stolen you must take all reasonable steps to get it back.
2.You must be able to prove that you own the lost or stolen personal money and how much it is worth. If you do not, it may affect your claim.
The most we will pay
The most we will pay for each insured person is £500, but no more than £300 for cash or bank notes. A reduced limit of £100 for cash or bank notes applies to insured persons aged under 16 years.
Excess
We will not pay the first £50 of each insured persons claim.
What is not covered
1.Any loss or theft which you do not report to the police within 24 hours of discovery and get a written police report.
2.Any personal money which is delayed, detained or confiscated by customs or other officials.
3.Bonds, securities or documents of any kind.
4.Loss or theft of personal money not carried in your hand baggage while you are travelling.
5.Loss or theft of personal money while it is unattended .
6.Shortages due to a mistake, or loss due to a change in exchange rates.
7. Anything mentioned in the General exclusions on page 37.

Section J - Hijack and mugging
We will pay £50 for each full 24-hour period if:
1.You cannot reach your destination or you cannot reach the UK on the return leg of your trip as a result of the transport on which you are travelling being hijacked; or
2.You are in hospital receiving in-patient treatment required following a mugging.
The most we will pay
The most we will pay for each insured person is £1,000.
What is not covered
We will not pay any claim:
1.Unless you provide written confirmation of the delay from the airline or carrier.
2.If you do not report the mugging to the police within 24 hours and get a written police report.
3. For anything mentioned in the General exclusions on page 37.

Section J - Hijack and mugging
We will pay £50 for each full 24-hour period if:
1.You cannot reach your destination or you cannot reach the UK on the return leg of your trip as a result of the transport on which you are travelling being hijacked; or
2.You are in hospital receiving in-patient treatment required following a mugging.
The most we will pay
The most we will pay for each insured person is £1,000.
What is not covered
We will not pay any claim:
1.Unless you provide written confirmation of the delay from the airline or carrier.
2.If you do not report the mugging to the police within 24 hours and get a written police report.
3. For anything mentioned in the General exclusions on page 37.

Additional cover - Winter sports
This cover only applies if shown on your policy Schedule. The cover given by Sections Q to U, only applies to winter sports trips for the duration shown on your policy Schedule.
Section Q - Winter sports equipment
1.If your skis, snowboard, boots, bindings or poles are lost, stolen or damaged by accident during your trip , we will pay for their replacement or repair, whichever is lower, after making an allowance for wear and tear and loss of value using the scale below.
Up to one year old, 90% of the purchase price
Up to two years old, 70% of the purchase price
Up to three years old, 50% of the purchase price
Up to four years old, 30% of the purchase price
Over four years old, 20% of the purchase price
The most we will pay is £750 for each insured person .
2.If you hire winter sports equipment and it is lost, stolen or damaged by accident during your trip , we will pay for its replacement or repair. The most we will pay is £550 for each insured person .
3.If we pay under items 1 or 2 above, we will also pay to hire replacement winter sports equipment for the rest of your trip . The most we will pay under item 3 is £200 for each insured person .
4.We will pay up to £200 to replace your lift pass if it is lost or stolen during your trip .
Special conditions
1.You must take reasonable care to keep the winter sports equipment safe.
2.If the winter sports equipment is lost or damaged by an authority, a transport company or hotel, you must report the details of the loss or damage to them in writing and get written confirmation.
3.If the winter sports equipment is lost or damaged by an airline, you must:
a.get a property report
b.give written notice of the claim to the airline within the time limit in their conditions of carriage ( you should also keep a copy)
c.keep all travel tickets and tags if you claim under this policy.
4.If the winter sports equipment is lost or stolen, you must take all reasonable steps to get it back.
5. You must be able to prove that you were responsible for the lost, stolen or damaged items and the purchase price. If you do not do this, it may affect your claim.
Excess
We will not pay the first £50 of each insured persons claim.
What is not covered
1.Deliberate or malicious damage to winter sports equipment caused by the insured person .
2.Loss or damage to winter sports equipment caused by the insured persons carelessness or neglect.
3.Wear and tear, loss of value and damage caused by moths or vermin, or any process of cleaning, repairing or restoring.
4.Losses from motor vehicles.
5.Any loss or theft which you do not report to the police within 24 hours of discovery and get a written report for (where it is not possible to obtain a police report you must provide other independent proof of loss such as a letter from your transport company or resort management).
6.Winter sports equipment that is damaged while it is being used.
7. Anything mentioned in the General exclusions on page 37.

Additional cover - Winter sports
This cover only applies if shown on your policy Schedule. The cover given by Sections Q to U, only applies to winter sports trips for the duration shown on your policy Schedule.
Section Q - Winter sports equipment
1.If your skis, snowboard, boots, bindings or poles are lost, stolen or damaged by accident during your trip , we will pay for their replacement or repair, whichever is lower, after making an allowance for wear and tear and loss of value using the scale below.
Up to one year old, 90% of the purchase price
Up to two years old, 70% of the purchase price
Up to three years old, 50% of the purchase price
Up to four years old, 30% of the purchase price
Over four years old, 20% of the purchase price
The most we will pay is £750 for each insured person .
2.If you hire winter sports equipment and it is lost, stolen or damaged by accident during your trip , we will pay for its replacement or repair. The most we will pay is £550 for each insured person .
3.If we pay under items 1 or 2 above, we will also pay to hire replacement winter sports equipment for the rest of your trip . The most we will pay under item 3 is £200 for each insured person .
4.We will pay up to £200 to replace your lift pass if it is lost or stolen during your trip .
Special conditions
1.You must take reasonable care to keep the winter sports equipment safe.
2.If the winter sports equipment is lost or damaged by an authority, a transport company or hotel, you must report the details of the loss or damage to them in writing and get written confirmation.
3.If the winter sports equipment is lost or damaged by an airline, you must:
a.get a property report
b.give written notice of the claim to the airline within the time limit in their conditions of carriage ( you should also keep a copy)
c.keep all travel tickets and tags if you claim under this policy.
4.If the winter sports equipment is lost or stolen, you must take all reasonable steps to get it back.
5. You must be able to prove that you were responsible for the lost, stolen or damaged items and the purchase price. If you do not do this, it may affect your claim.
Excess
We will not pay the first £50 of each insured persons claim.
What is not covered
1.Deliberate or malicious damage to winter sports equipment caused by the insured person .
2.Loss or damage to winter sports equipment caused by the insured persons carelessness or neglect.
3.Wear and tear, loss of value and damage caused by moths or vermin, or any process of cleaning, repairing or restoring.
4.Losses from motor vehicles.
5.Any loss or theft which you do not report to the police within 24 hours of discovery and get a written report for (where it is not possible to obtain a police report you must provide other independent proof of loss such as a letter from your transport company or resort management).
6.Winter sports equipment that is damaged while it is being used.
7. Anything mentioned in the General exclusions on page 37.

Additional cover - Winter sports
This cover only applies if shown on your policy Schedule. The cover given by Sections Q to U, only applies to winter sports trips for the duration shown on your policy Schedule.
Section Q - Winter sports equipment
1.If your skis, snowboard, boots, bindings or poles are lost, stolen or damaged by accident during your trip , we will pay for their replacement or repair, whichever is lower, after making an allowance for wear and tear and loss of value using the scale below.
Up to one year old, 90% of the purchase price
Up to two years old, 70% of the purchase price
Up to three years old, 50% of the purchase price
Up to four years old, 30% of the purchase price
Over four years old, 20% of the purchase price
The most we will pay is £750 for each insured person .
2.If you hire winter sports equipment and it is lost, stolen or damaged by accident during your trip , we will pay for its replacement or repair. The most we will pay is £550 for each insured person .
3.If we pay under items 1 or 2 above, we will also pay to hire replacement winter sports equipment for the rest of your trip . The most we will pay under item 3 is £200 for each insured person .
4.We will pay up to £200 to replace your lift pass if it is lost or stolen during your trip .
Special conditions
1.You must take reasonable care to keep the winter sports equipment safe.
2.If the winter sports equipment is lost or damaged by an authority, a transport company or hotel, you must report the details of the loss or damage to them in writing and get written confirmation.
3.If the winter sports equipment is lost or damaged by an airline, you must:
a.get a property report
b.give written notice of the claim to the airline within the time limit in their conditions of carriage ( you should also keep a copy)
c.keep all travel tickets and tags if you claim under this policy.
4.If the winter sports equipment is lost or stolen, you must take all reasonable steps to get it back.
5. You must be able to prove that you were responsible for the lost, stolen or damaged items and the purchase price. If you do not do this, it may affect your claim.
Excess
We will not pay the first £50 of each insured persons claim.
What is not covered
1.Deliberate or malicious damage to winter sports equipment caused by the insured person .
2.Loss or damage to winter sports equipment caused by the insured persons carelessness or neglect.
3.Wear and tear, loss of value and damage caused by moths or vermin, or any process of cleaning, repairing or restoring.
4.Losses from motor vehicles.
5.Any loss or theft which you do not report to the police within 24 hours of discovery and get a written report for (where it is not possible to obtain a police report you must provide other independent proof of loss such as a letter from your transport company or resort management).
6.Winter sports equipment that is damaged while it is being used.
7. Anything mentioned in the General exclusions on page 37.

Section T - Ski pack
If, due to illness or injury, you are medically certified as being unable to ski or board we will pay the proportionate cost of your non- refundable ski pack. The ski pack includes lessons from a ski school, ski hire and the cost of any lift pass.
The most we will pay
The most we will pay for each insured person is £350.
What is not covered
See exclusions listed after Section U.

Section S - Piste closure
(This section does not apply to cross-country skiing.) If all pistes at the resort you have booked are closed because of lack of snow,excessive snow or high winds we will pay up to £30 a day to transport you to another site. If there are no other sites nearby, we will pay you £40 compensation each day.
The most we will pay
The most we will pay for each insured person is £400.
Special conditions
1.This section does not apply in the UK , and within Europe the cover only applies during the period 15 December to 15 April.
2.You must provide evidence that confirms the piste closures from either your tour operator or resort management.
What is not covered
Anything mentioned in the General exclusions on page 37.

Section S - Piste closure
(This section does not apply to cross-country skiing.) If all pistes at the resort you have booked are closed because of lack of snow,excessive snow or high winds we will pay up to £30 a day to transport you to another site. If there are no other sites nearby, we will pay you £40 compensation each day.
The most we will pay
The most we will pay for each insured person is £400.
Special conditions
1.This section does not apply in the UK , and within Europe the cover only applies during the period 15 December to 15 April.
2.You must provide evidence that confirms the piste closures from either your tour operator or resort management.
What is not covered
Anything mentioned in the General exclusions on page 37.

Section S - Piste closure
(This section does not apply to cross-country skiing.) If all pistes at the resort you have booked are closed because of lack of snow,excessive snow or high winds we will pay up to £30 a day to transport you to another site. If there are no other sites nearby, we will pay you £40 compensation each day.
The most we will pay
The most we will pay for each insured person is £400.
Special conditions
1.This section does not apply in the UK , and within Europe the cover only applies during the period 15 December to 15 April.
2.You must provide evidence that confirms the piste closures from either your tour operator or resort management.
What is not covered
Anything mentioned in the General exclusions on page 37.

Section R - Delay due to avalanche
We will cover you for the cost of extra travel and accommodation if an avalanche delays your arrival at or departure from the booked resort.
The most we will pay
The most we will pay for each insured person is £300.
What is not covered
Anything mentioned in the General exclusions on page 37 .

Section Q - Winter sports equipment
1.If your skis, snowboard, boots, bindings or poles are lost, stolen or damaged by accident during your trip , we will pay for their replacement or repair, whichever is lower, after making an allowance for wear and tear and loss of value using the scale below.
Up to one year old, 90% of the purchase price
Up to two years old, 70% of the purchase price
Up to three years old, 50% of the purchase price
Up to four years old, 30% of the purchase price
Over four years old, 20% of the purchase price
The most we will pay is £750 for each insured person .
2.If you hire winter sports equipment and it is lost, stolen or damaged by accident during your trip , we will pay for its replacement or repair. The most we will pay is £550 for each insured person .
3.If we pay under items 1 or 2 above, we will also pay to hire replacement winter sports equipment for the rest of your trip . The most we will pay under item 3 is £200 for each insured person .
4.We will pay up to £200 to replace your lift pass if it is lost or stolen during your trip.

Section P - Baggage
We will cover you for loss, theft or accidental damage to your personal belongings or baggage during your trip.
Important
There is a single article limit and total valuables limit under this section, which means that this policy may not provide enough cover for expensive items such as jewellery and photographic or video equipment. However, you can usually insure these items separately under the All Risks section of your home insurance. You must take care to look after your possessions, in particular your valuables and your money. These items should be kept on your person, or secured in baggage which stays with you at all times (not in suitcases to be checked-in). Alternatively, they should be left in your locked personal accommodation, a locked safety deposit box or a locked safe, the locked boot of a locked vehicle or in the luggage space at the back of a locked state car, or a locked hatchback under the top cover and out of view. Valuables or money should never be left on a beach or under a towel or sun-bed, no matter how well hidden. They should not be left in an unattended pushchair or buggy or in unattended coats or jackets. If these may be taken from you , for example, in a restaurant, you should first remove items of value.
Special conditions
1. You must take reasonable care to keep your personal belongings and baggage safe.
2.If your personal belongings or baggage are lost or damaged by an authority, a transport company or hotel, you must report the details of the loss or damage to them in writing and get written confirmation.
3.If your personal belongings or baggage are lost or damaged by an airline, you must:
a.get a property report
b.give written notice of the claim to the airline within the time limit in their conditions of carriage ( you should also keep a copy)
c.keep all travel tickets and tags if you claim under this policy.
4.If your personal belongings or baggage are lost or stolen, you must take all reasonable steps to get them back.
5. You must be able to prove that you were responsible for the lost, stolen or damaged items and how much they are worth. If you do not do this, it may affect your claim.
6.At our option, we will settle any claim by payment or replacement. We will pay claims for personal belongings and baggage based on their value at the time of loss. We will not pay the cost of replacing them with new items, and we will not pay more than the original purchase price of any lost or damaged item.
7.If you have also made a claim under Section O - Delayed baggage this amount will be deducted from the amount claimed under this section.
The most we will pay
The most we will pay for each insured person is £2,500 but no more than:
- £300 for any one article, pair or set of articles; and
- £500 in total for valuables .
Excess
We will not pay the first £50 of each insured persons claim.
What is not covered
1.Loss or theft of personal belongings or baggage which you have left unattended .
2.Cracking, scratching or breaking of glass (except lenses in cameras, binoculars, telescopes or spectacles), china or similar fragile articles.
3.Pedal cycles, contact lenses, and medical and dental fittings.
4.Wear and tear, loss of value and damage caused by moths and vermin, or any process of cleaning, repairing or restoring.
5.Any loss or theft which you do not report to the police within 24 hours of discovery and get a written report (where it is not possible to obtain a police report you must provide other independent proof of loss such as a letter from your transport company or hotel).
6.Sports equipment that is damaged while it is being used.
7.Winter sports equipment.
8.Any goods delayed, detained or confiscated by customs or other officials.
9.Items used in connection with your job which are not owned by you .
10.Bonds, securities or documents of any kind.
11.Loss or damage to valuables not carried in your hand baggage while you are travelling.
12. Anything mentioned in the General exclusion son page 37.

Section O - Delayed baggage
If your baggage is temporarily lost on the outward journey and you are without it for more than 12 hours, we will pay for the replacement of essential items. To claim under this section, you must keep the receipt of anything you buy and get written confirmation from the carrier of the number of hours you were without your baggage.
The most we will pay
The most we will pay for each insured person is £250.
What is not covered
1.Any claim for baggage delayed or detained by customs or other officials.
2. Anything mentioned in the General exclusions on page 37.

Section A - Cancellation charges
We will cover you for:
a) Deposits you have paid for your trip and cannot get back
b) Your unused travel and accommodation costs which you have paid or legally have to pay and cannot get back
c) Unused kennel or cattery fees up to £300,which you have paid or legally have to pay and cannot get back if, after the date of buying your policy or booking a trip (whichever is later), you unavoidably have to cancel your trip for one of the reasons below:
1. One of the following people is injured, falls ill, is quarantined or dies:
a) You
b) Your travelling companion
c) Any person you were going to stay with.
2. One of the following people is seriously injured, falls seriously ill or dies:
a) Any close relative of yours or of your travelling companion
b) Any close business associate of yours or of your travelling companion.
3. You or your travelling companion are called for jury service or as a witness in a court of law during the period of insurance.
4. You, your travelling companion or your domestic partner are made redundant and registered as unemployed with the Employment Service. Cover does not apply to self-employed people.
5. Your or your travelling companion s home is badly damaged by fire, storm or flood in the seven days prior to the departure of your trip.
6. The police need to talk to you or your travelling companion because your or their home or place of work has been burgled.
Special condition
All claims resulting from injury, illness, quarantine or death must be supported by medical reports or a death certificate (or both)indicating the necessity to cancel your trip.
The most we will pay £5,000 for each insured person.
Excess
We will not pay the first £50 of each insured persons claim.However, the maximum you will have to pay is £100 if two or more insured persons cancel the same trip.
For loss of deposits we will not pay the first £10 of each insured person s claim.
What is not covered
1. Any claim for a medical condition if any of the following applied when you took out your policy or booked your trip (whichever is later).You:
a) had ever received advice, medication or treatment for any serious, chronic or recurring illness, injury or disease unless the condition was disclosed to and accepted by us
b) had ever suffered from or are currently suffering from any heart or cancer condition unless disclosed to and accepted by us
c) were under investigation or awaiting results for any diagnosed or undiagnosed condition unless disclosed to and accepted by us
d) were on a waiting list for in-patient treatment or were aware of the need for in-patient treatment for any diagnosed or undiagnosed condition unless disclosed to and accepted by us
e) had been told you have a terminal illness.
2. Any claim for a medical condition if any person upon whose good health your trip depends had a serious, chronic or recurring illness, injury or disease when you took out your policy or booked your trip (whichever is later) unless the condition was disclosed to and accepted by us.
3. Any claim for a medical condition you were planning to get medical treatment for during your trip.
4. Any claim that results from:
a) Any anxiety state, depression, mental, nervous or emotional disorder which had been diagnosed before you took out your policy or booked your trip (whichever is later)unless disclosed to and accepted by us;
b) Pregnancy or childbirth where the expected date of delivery is less than 12 weeks (16 weeks in the case of a multiple pregnancy)before your planned return date.
5. Any claim for redundancy caused by misconduct, resignation or voluntary redundancy, or if you, your travelling companion or your domestic partner knew of the redundancy before you took out your policy or booked your trip (whichever is later).
6. Any claim made because you don' t feel like travelling.
7. Any claim for unused travel or accommodation arranged by using Air Miles or similar promotions.
8. Any claim for refund of any costs for persons not named on this policy.
9. Any claim for management fees, maintenance costs or exchange fees associated with timeshares and similar arrangements.
10. Anything mentioned in the General exclusions on page 37.

Section I - Missed departure
We will cover you for the extra accommodation and travel costs you have to pay to reach your destination if you arrive at the final point of international departure too late to board the ship, aircraft or train in which you are booked to travel on your outward journey from the UK or on the final part of your return journey to the UK, as a direct result of:
1. Failure of scheduled public transport services; or
2. Delay to a connecting scheduled flight.
Special conditions
1. You must do everything you can to get to the international departure point on time, as specified.
2. You must get a repairer s report if you are claiming because the vehicle you were travelling in had an accident or broke down.
3. If you have missed or will miss your ship, aircraft or train due to one of the reasons listed above, contact (+44) 20 8763 4879 and we will contact the carrier for you (if a late arrival is possible) or will make alternative travel arrangements for you, up to the limit payable. Any cost incurred may have to be paid by you and submitted as a claim.
The most we will pay
The most we will pay for each insured person is £1,000.
What is not covered
1 Any claim caused by a strike or industrial action that was planned before you took out your policy or booked your trip (whichever is later).
2 Any claim where you have not done everything you can to reach your departure point on time.
3 Any claim where the carrier has offered reasonable alternative transport.
4 Anything mentioned in the General exclusions on page 37.

Section H - Delayed departure
If the international ship,aircraft or train that you are booked to travel on is delayed in leaving the UK at its scheduled time of departure on your outward journey or on the final part of your return journey to the UK we will:
1. Pay £35 for the first full 12 hours you are delayed and £15 for every full 12 hour period you are delayed after that, up to a total of £215 for each insured person.
2. Refund your unused travel and accommodation costs which you have paid or legally have to pay but cannot get back if,after you have been delayed for more than 24 hours on your outward journey from the UK, you choose to abandon your trip. If you choose to abandon your trip we will also pay unused kennel or cattery fees which you cannot get back up to £300.
Special condition
We will work out the length of the delay from the date and time the international ship, aircraft or train should have left. You must check in at the specified time and get written confirmation from the carrier or their handling agents of the actual date and time of departure and the reason for the delay.
The most we will pay
The most we will pay under item 1 for each insured person is £215.
The most we will pay under item 2 for each insured person is £5,000.
Excess
We will not pay the first £50 of each insured person s claim under item 2.However, the maximum you will have to pay is £100 if two or more insured persons abandon the same trip .
What is not covered
1.Any claim caused by a strike or industrial action that was planned before you took out your policy or booked your trip (whichever is later).
2.Any claim for unused travel or accommodation arranged by using Air Miles or similar promotions.
3.Any claim for refund of any costs for persons not named on this policy.
4.Any claim for management fees, maintenance costs or exchange fees associated with timeshares and similar arrangements.
5.Any claim for internal flights, for example, flights to and from the Channel Islands, Northern Ireland or Isle of Man
6.More than one item under this section.
7. Anything mentioned in the General exclusions on page 37.

Section D - Abandonment
We will cover you for:
a) The cost of unused accommodation that you have paid for before starting your trip, or legally have to pay, and cannot get back
b) Additional travel to allow you to return home early if you cannot use your return ticket
c) Additional accommodation expenses to allow you to return home early
d) The cost of unused kennel or cattery fees up to £300 that you have paid for before starting your trip, or legally have to pay, and cannot get back if you unavoidably have to abandon your trip because any of the following happen whilst you are away:
1. One of the following people is seriously injured, falls seriously ill, is quarantined or dies:
a) You
b) Your travelling companion
c) The person you were going to stay with.
2. Any close relative or close business associate of yours or your travelling companion is seriously injured, falls seriously ill or dies.
3. Your or your travelling companion s home is badly damaged by fire, storm or flood.
4. The police need to talk to you or your travelling companion because your or their home or place of work has been burgled.
Special conditions
If you need to return to the UK and intend to make a claim under this section, you must phone our Medical Emergency Assistance provider immediately on (+44)1243 621164.
All claims resulting from injury, illness, quarantine or death must be supported by medical reports or a death certificate (or both)indicating the necessity to abandon your trip.
The most we will pay
The most we will pay for each insured person is £5,000.
Excess
We will not pay the first £50 of each insured person s claim. However, the maximum you will have to pay is £100 if two or more insured persons abandon the same trip.
What is not covered
1. Any claim for a medical condition if any insured person has travelled against the advice of a UK doctor or would be travelling against the advice of a UK doctor if they had taken such advice.
2. Any claim for a medical condition if any of the following applied when you took out your policy, or booked your trip (whichever is later).You:
a) had ever received advice, medication or treatment for any serious, chronic or recurring illness, injury or disease unless the condition was disclosed to and accepted by us;
b) had ever suffered from or are currently suffering from any heart or cancer condition unless disclosed to and accepted by us;
c) were under investigation or awaiting results for any diagnosed or undiagnosed condition unless disclosed to and accepted by us;
d) were on a waiting list for in-patient treatment or aware of the need for in-patient treatment for any diagnosed or undiagnosed condition unless disclosed to and accepted by us;
e) had been told you have a terminal illness.
3. Any claim for a medical condition if any person upon whose good health your trip depends had a serious,chronic or recurring illness,injury or disease when you took out your policy or booked your trip (whichever is later)unless the condition was disclosed to and accepted by us.
4. Any claim for a medical condition where you or anyone upon whose good health your trip depends has received medical advice for a potentially serious illness or injury between booking your trip and the departure date unless disclosed to and accepted by us.
5. Any claim for a medical condition you were planning to get medical treatment for during your trip.
6. Any claim that results from:
a) any anxiety state, depression, mental or nervous disorder which had been diagnosed when you took out your policy or booked your trip (whichever is later) unless disclosed to and accepted by us b) pregnancy or childbirth where the expected date of delivery is less than 12 weeks (16 weeks in the case of a multiple pregnancy)before your planned return date
c) you flying (except while travelling in an aircraft as a passenger) or taking part in other aerial activities
d) you motor cycling:
- as a rider or passenger on a machine over 125cc; or
- as a rider or passenger on a machine 125cc or under unless you wear a crash helmet and, as a rider, you hold a full UK motorcycle licence
e) your involvement in manual work of any kind
f) you taking part in any winter sports activity listed on page 10 unless winter sports cover is shown on your policy schedule
g) you taking part in a leisure or winter sports activity not listed on page 10
h) you taking part in any organised team or contact sport not listed on page 10, any sport or competition as a professional or competing in or practising for speed or time trials, sprints or racing of any kind
i) you taking part in expeditions or being a crew member on a vessel travelling from one country to another.
7. Any claim for unused travel or accommodation arranged by using Air Miles or similar promotions.
8. Any claim for management fees, maintenance costs or exchange fees associated with timeshares and similar arrangements.
9. Any claim made because you did not enjoy your trip.
10. Any claim for refund of any costs for persons not named on this policy.
11. Any claim which was not authorised by our Medical Emergency Assistance provider before you returned home.
12. Any claim resulting from a tropical disease where you have not had the recommended inoculations and/or taken the recommended medication.
13. Any claim for additional travelling expenses if you have not purchased a return ticket to the UK.
14. Anything mentioned in the General exclusions on page 37.

Section G - Personal liability
We will cover you for any money that you legally have to pay that relates to an accident during your trip which causes:
a) death or injury to any person; and/or
b) loss or damage to property.
The most we will pay
The most we will pay for all claims arising from any one event is £2,000,000 for each insured person. We will also pay any extra costs and expenses that you have to pay as long as we agree, in writing, beforehand.
What is not covered
1 Any fines or exemplary damages (punishing, or aimed at punishing, the person responsible rather than awarding compensation) you have to pay.
2 Liability arising from:
a) death or injury of people who work for you or members of your household
b) loss of or damage to property which belongs to or is under the control of you, a member of your household or people who work for you
c) your job
d) your involvement in manual work of any kind
e) you owning or occupying any land or building, unless you are occupying any temporary holiday accommodation in which case we will not cover the first £100 of any claim
f) you owning or using:
- animals (except domestic animals);
- firearms (except sporting guns used for clay pigeon shooting);
- motorised vehicles;
- vessels (except manually-propelled watercraft);or
- aircraft of any description,including unpowered flight.
g) you taking part in any winter sports activity listed on page 12 unless winter sports cover is shown on your policy schedule
h) you taking part in any leisure or winter sports activity not listed on page 12
i) you taking part in any organised team or contact sport not listed on page 12,any sport or
competition as a professional,competing in or practising for speed or time trials, sprints or racing of any kind.
3. Anything mentioned in the General exclusions on page 37.

Section B -Emergency medical and associated expenses
f) Up to £300 for additional kennel or cattery fees for your dog or cat if you have to stay after the date you were going to return.

Saga Travel Assistant
Saga Travel Assistant is a helpline service that helps you sort out all kinds of travel problems. Before you go, and while you are away, Saga Travel Assistant can help you with a wide range of travel advice, from information on the country or countries you are visiting to sorting out emergencies abroad. Please do not call this number for policy queries or changes. The Saga Travel Assistant helpline service is available 24 hours a day. To use the service, please call 0845 300 3550 from the UK or (+44) 20 8763 4879 from abroad.
Advice before you travel
The Saga Travel Assistant helpline service will give you advice on:
- any visa and entry permits you may need;
- any necessary vaccination and inoculation requirements, and where you can get them done;
- what you should take with you regarding first aid and health;
- what currencies and travellers cheques to take with you, and what the current exchange rates are; and
- the languages spoken, the time zones and details of countries you plan to visit.

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

General exclusions which apply to the whole policy
5. Any claim arising, directly or indirectly, from the failure, or fear of failure, of equipment or computer program to recognise or correctly interpret or process any date as the true or correct date, or to continue to work correctly after that date. This exclusion does not apply to Section B - Emergency medical and associated expenses, Section C - Hospital benefit or Section E -Personal accident.

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

Excess/excesses
The amount you will have to pay towards any claim. This applies to each claim per insured person per section, if applicable.

European Union
If you are travelling to countries in the European Union, Iceland, Liechtenstein, Norway or Switzerland we strongly recommend that you take a European Health Insurance Card (EHIC) with you. Application forms can be obtained from the Post Office or online and should be completed and validated before you travel. This will allow you to benefit from the reciprocal health arrangements which exist with these countries. If the costs of a medical claim are reduced by the use of the EHIC the excess under Section B - Emergency medical and associated expenses will be reduced to Nil.