Sainsburys Extended Trip

Section 3
Medical and Repatriation Expenses
We will pay
up to a maximum of £5,000,000 in the event of an Accident or sickness whilst on the Trip, in respect of the following:
1. usual and reasonable medical, hospital and treatment expenses, including the cost of the rescue service to take You to hospital, (including the cost of emergency dental treatment for the relief of pain only up to £500) outside the UK for continuous treatment only, not exceeding 12 months, which will cease when on medical advice You are able to return to the UK;
2. the reasonable costs of funeral expenses abroad or the reasonable cost of conveying the Insured Person's body or ashes to their Home address in the UK;
3. repatriation expenses (including air ambulance or the special use of air transport) to return You to the UK provided it is medically necessary and the arrangements are authorised beforehand and made by the Emergency & Medical Assistance Company;
4. reasonable additional travel and accommodation (room only plus £10 per day towards meals) of a Relative or friend of Yours living in the UK, or on holiday with You, who on medical advice must travel or stay with You or accompany You Home. The Emergency & Medical Assistance Company must authorise this beforehand.
The Emergency & Medical Assistance Company must be contacted if Your medical expenses are likely to be in excess of £500.
Furthermore if You are admitted to a hospital or clinic abroad as an in-patient, the Emergency & Medical Assistance Company must be notified as soon as possible, and within 48 hours of Your admission, in order to confirm the conditions of this insurance with the medical providers.
We will not pay for the following:
1. any treatment in the United Kingdom;
2. any incident whilst You are undertaking Heavy Manual Work;
3. any medication or drugs which at the start of Your Trip You know You will need;
4. the cost of any treatment or surgery (including exploratory tests) which are not directly related to the illness or injury for which You went into a hospital or clinic abroad;
5. any form of treatment or cosmetic surgery which, in the opinion of the doctor treating You and the Emergency & Medical Assistance Company can reasonably be delayed until You return Home;
6. any costs arising from Your pregnancy or childbirth if the expected date of delivery is less than 12 Weeks after the end of Your Trip;
7. any extra costs from You arranging a single or private room accommodation at a hospital, clinic or nursing Home, except where this is necessary for Your treatment and approved by the Emergency & Medical Assistance Company;
8. any loss, damage or provision of false dentures, false limbs, hearing aids, contact or corneal lenses or prescription spectacles;
9. inpatient, hospital, clinic or repatriation expenses which have not been reported to and authorised by the Emergency & Medical Assistance Company;
10. if You are travelling against the advice of a doctor or for the purpose of having medical treatment on the Trip;
11. any costs arising from a Pre-Existing Medical Condition (unless terms were agreed in writing by the Sainsbury's Travel Insurance Centre and any additional premium requested by them was paid before starting Your Trip);
12. any Policy Excess shown in the Schedule of Benefits and Excesses relating to this Section.

Section 5
Personal Accident
We will pay
the following benefits if during the Trip You suffer Bodily Injury caused by an Accident:
1. death by Accident £30,000
2. permanent loss of one or more limbs by physical separation at or above the wrist or ankle, or the total and permanent loss of all sight in one or both eyes £30,000
3. Permanent Total Disablement £30,000
All benefits will be limited to £2,500 for Insured Persons under the age of 17 at the time of the Accident. The maximum amount of all benefits We will pay under this Section for one or more Accidents sustained by
You shall not exceed £30,000.
Note: In the event of Your death the benefit will be paid to Your estate or next-of-kin.
We will not pay
any benefit in respect of 1, 2 or 3 above that does not occur within 12 months of the Accident.
We will not pay for the following:
1. any incident in connection with You undertaking Heavy Manual Work;
2. if You are travelling against the advice of a doctor or for the purpose of having medical treatment on the Trip;
3. any costs arising from a Pre-Existing Medical Condition (unless terms were agreed in writing by the Sainsbury's Travel Insurance Centre and any additional premium requested by them was paid before starting Your Trip).

Section 4
Hospital Benefit
We will pay
£25 for every complete 24 hours You spend in a hospital abroad as an in-patient as a result of You becoming ill or being injured during the Trip (up to a maximum of £600).
We will not pay for the following:
Any days spent in hospital:
1. in the United Kingdom;
2. resulting from an incident occurring whilst You are undertaking Heavy Manual Work;
3. for any treatment or surgery (including exploratory tests) which are not directly related to the illness or injury for which You went into a hospital or clinic abroad;
4. for any form of treatment or cosmetic surgery which, in the opinion of the doctor treating You and the Emergency & Medical Assistance Company can reasonably be delayed until You return Home;
5. arising from Your pregnancy or childbirth if the expected date of delivery is less than 12 Weeks after the end of Your Trip.
6. for inpatient, hospital or clinic expenses which have not been reported to and authorised by the Emergency & Medical Assistance Company;
7. if You are travelling against the advice of a doctor or for the purpose of having medical treatment on the Trip;
8. arising from a Pre-Existing Medical Condition (unless terms were agreed in writing by the Sainsbury's Travel Insurance Centre and any additional premium requested by them was paid before starting Your Trip).

Section 3
Medical and Repatriation Expenses
We will pay
up to a maximum of £5,000,000 in the event of an Accident or sickness whilst on the Trip, in respect of the following:
1. usual and reasonable medical, hospital and treatment expenses, including the cost of the rescue service to take You to hospital, (including the cost of emergency dental treatment for the relief of pain only up to £500) outside the UK for continuous treatment only, not exceeding 12 months, which will cease when on medical advice You are able to return to the UK;

Section 3
Medical and Repatriation Expenses
We will pay
up to a maximum of £5,000,000 in the event of an Accident or sickness whilst on the Trip, in respect of the following:
2. the reasonable costs of funeral expenses abroad or the reasonable cost of conveying the Insured Person's body or ashes to their Home address in the UK;

Section 3
Medical and Repatriation Expenses
We will pay
up to a maximum of £5,000,000 in the event of an Accident or sickness whilst on the Trip, in respect of the following:
2. the reasonable costs of funeral expenses abroad or the reasonable cost of conveying the Insured Person's body or ashes to their Home address in the UK;

Section 8
Personal Money
(unless You have opted to remove this Section of cover)
We will pay
up to a maximum of £500 for the loss or theft of Your Personal Money during Your Trip dependent on You observing the following:
1. taking reasonable care in protecting Your money and documents against loss, theft or damage;
2. notifying the Police within 24 hours of discovery and obtaining a written report and reference number from them and enclosing this with Your claim form.
We will not pay for the following:
1. more than £200 for cash;
2. loss or theft of money that is not on Your person or not deposited in a safe or safety deposit box, or similar locked fixed receptacle in Your Trip accommodation;
3. for any depreciation in value, currency changes or shortage caused by any error or omission;
4. for money packed in suitcases or other similar Baggage, or in containers which are out of Your sight and personal control;
5. for loss or damage arising from confiscation or detention by Customs or other officials;
6. any Policy Excess shown in the Schedule of Benefits and Excesses relating to this Section.

Section 14
Legal Expenses
We will pay
up to a maximum of £25,000 for legal costs and expenses in pursuing a claim for compensation and damages if You are involved in an Accident during Your Trip which results in Your death or personal injury.
The Insurers will pay an Insured Person's legal expenses provided there are reasonable prospects that the claim or the legal proceedings will achieve the remedy or result sought by the Insured Person. If at any time We consider that the claim does not have such prospect, We will advise the Insured Person in writing, and notify the Insured Person that Our liability to pay any further legal expenses will cease 14 days after the notice is received by the Insured Person.
We will not pay for the following:
1. where We consider it unlikely that a reasonable settlement will be obtained;
2. where the estimated amount to be recovered is less than £500;
3. actions taken in constitutional, international or supranational courts or tribunals;
4. amounts incurred as a result of delays or non co-operation by You;
5. amounts incurred without Our prior authorisation;
6. any claim against a travel agent, tour operator/organiser, insurer or their Agents;
7. any incident in connection with You undertaking Heavy Manual Work.

Section 9
Loss of Passport or Documents
We will pay
up to a maximum of £250 for reasonable travel and accommodation expenses in obtaining replacement passports, travel tickets, green cards and driving licenses, but only up to the cost of replacing and/or
restoring the missing documents or records which are lost or stolen whilst on the Trip.
We will not pay for the following:
1. loss or theft of items that are not kept on Your person or not deposited in a safe or safety deposit box, or similar locked fixed receptacle in Your Trip accommodation;
2. any depreciation in value or shortage caused by any error or omission;
3. items packed in suitcases or other similar Baggage, or in containers which are out of Your sight and personal control;
4. loss of passport not reported to the Police and the Consular Representative of the relevant issuing country within 24 hours of discovery;
5. for loss or damage arising from confiscation or detention by Customs or other officials;
6. any Policy Excess shown in the Schedule of Benefits and Excesses relating to this Section.

Section 9
Loss of Passport or Documents
We will pay
up to a maximum of £250 for reasonable travel and accommodation expenses in obtaining replacement passports, travel tickets, green cards and driving licenses, but only up to the cost of replacing and/or
restoring the missing documents or records which are lost or stolen whilst on the Trip.
We will not pay for the following:
1. loss or theft of items that are not kept on Your person or not deposited in a safe or safety deposit box, or similar locked fixed receptacle in Your Trip accommodation;
2. any depreciation in value or shortage caused by any error or omission;
3. items packed in suitcases or other similar Baggage, or in containers which are out of Your sight and personal control;
4. loss of passport not reported to the Police and the Consular Representative of the relevant issuing country within 24 hours of discovery;
5. for loss or damage arising from confiscation or detention by Customs or other officials;
6. any Policy Excess shown in the Schedule of Benefits and Excesses relating to this Section.

Section 12
Hijack
We will pay
an amount of £50 for every complete 24 hours (up to a maximum of £1,000) if You are prevented from reaching Your scheduled destination abroad through hijack of the aircraft in which You are travelling. In the
event of a hijack an automatic extension of cover is provided if You can not complete Your Trip by the original scheduled date. If any loss arising out of a hijack is not payable under this insurance because war and
similar risks are excluded, then these will be waived in this instance.
We will not pay for the following:
See General Exclusions (pages 11-12).

Section 16A
Ski Equipment
We will pay
up to £500 in respect of loss, theft or damage of skis, snowboard and Ski Equipment occurring during Your Trip.
We will not pay for the following:
1. more than £500 for any one article, Pair or Set of articles;
2. more than £100 in total for hired Ski Equipment;
3. loss of or damage to Ski Equipment arising from delay or confiscation or detention by Customs or other officials;
4. loss, or theft of or damage to Ski Equipment more than 4 years old;
5. loss of or damage to Your Ski Equipment caused by normal wear and tear, gradual deterioration or mechanical or electrical breakdown, decay, moth, vermin, atmospheric or climatic conditions;
6. loss of or damage to Ski Equipment whilst in the custody of an airline or other carrier unless You report it immediately on discovery to the carrier and get a written report. In the case of an airline You will need a Property Irregularity Report (PIR);
7. loss or theft of Your Ski Equipment that You do not report to the Police within 24 hours of discovery and You do not get a written report from them;
8. Ski Equipment left unattended in public places (e.g. station, airport, restaurant etc);
9. any loss or theft of Ski Equipment from unattended motor cycles or motor vehicles (other than locked vehicles where there is evidence of forcible entry or exit and provided the items were not visible from the vehicle exterior or were secured within a purpose built and locked container fastened to the exterior of the vehicle, and verified by a Police report);
10. any Ski Equipment left in the custody of a person who does not have an official responsibility for the safekeeping of the property;
11. any Policy Excess shown in the Schedule of Benefits and Excesses relating to this Section.

Section 16A
Ski Equipment
We will pay
up to £500 in respect of loss, theft or damage of skis, snowboard and Ski Equipment occurring during Your Trip.
We will not pay for the following:
1. more than £500 for any one article, Pair or Set of articles;
2. more than £100 in total for hired Ski Equipment;
3. loss of or damage to Ski Equipment arising from delay or confiscation or detention by Customs or other officials;
4. loss, or theft of or damage to Ski Equipment more than 4 years old;
5. loss of or damage to Your Ski Equipment caused by normal wear and tear, gradual deterioration or mechanical or electrical breakdown, decay, moth, vermin, atmospheric or climatic conditions;
6. loss of or damage to Ski Equipment whilst in the custody of an airline or other carrier unless You report it immediately on discovery to the carrier and get a written report. In the case of an airline You will need a Property Irregularity Report (PIR);
7. loss or theft of Your Ski Equipment that You do not report to the Police within 24 hours of discovery and You do not get a written report from them;
8. Ski Equipment left unattended in public places (e.g. station, airport, restaurant etc);
9. any loss or theft of Ski Equipment from unattended motor cycles or motor vehicles (other than locked vehicles where there is evidence of forcible entry or exit and provided the items were not visible from the vehicle exterior or were secured within a purpose built and locked container fastened to the exterior of the vehicle, and verified by a Police report);
10. any Ski Equipment left in the custody of a person who does not have an official responsibility for the safekeeping of the property;
11. any Policy Excess shown in the Schedule of Benefits and Excesses relating to this Section.

Section 16A
Ski Equipment
We will pay
up to £500 in respect of loss, theft or damage of skis, snowboard and Ski Equipment occurring during Your Trip.
We will not pay for the following:
1. more than £500 for any one article, Pair or Set of articles;
2. more than £100 in total for hired Ski Equipment;
3. loss of or damage to Ski Equipment arising from delay or confiscation or detention by Customs or other officials;
4. loss, or theft of or damage to Ski Equipment more than 4 years old;
5. loss of or damage to Your Ski Equipment caused by normal wear and tear, gradual deterioration or mechanical or electrical breakdown, decay, moth, vermin, atmospheric or climatic conditions;
6. loss of or damage to Ski Equipment whilst in the custody of an airline or other carrier unless You report it immediately on discovery to the carrier and get a written report. In the case of an airline You will need a Property Irregularity Report (PIR);
7. loss or theft of Your Ski Equipment that You do not report to the Police within 24 hours of discovery and You do not get a written report from them;
8. Ski Equipment left unattended in public places (e.g. station, airport, restaurant etc);
9. any loss or theft of Ski Equipment from unattended motor cycles or motor vehicles (other than locked vehicles where there is evidence of forcible entry or exit and provided the items were not visible from the vehicle exterior or were secured within a purpose built and locked container fastened to the exterior of the vehicle, and verified by a Police report);
10. any Ski Equipment left in the custody of a person who does not have an official responsibility for the safekeeping of the property;
11. any Policy Excess shown in the Schedule of Benefits and Excesses relating to this Section.

Section 16C
Ski Pack
We will pay
up to £100 for each 7 day period (up to a maximum of £300) for the proportionate value of any unused ski pass, ski hire or tuition fee due to the following;
1. You becoming ill or being injured in an Accident;
2. loss or theft of Your ski pass.
We will not pay for the following:
1. loss or theft of Your ski pass which is not reported to the appropriate Police authority within 24 hours of discovery and an official report obtained;
2. loss or theft of Your ski pass which is not reported to any appropriate authority (specifically for claims arising against carriers and hotels) within 24 hours of discovery and an official report obtained;
3. ski pass left unattended in public places (e.g. station, airport, restaurant etc);
4. ski pass left in the custody of a person who does not have an official responsibility for the safekeeping of the property;
5. an illness resulting from a Pre-Existing Medical Condition (unless terms were agreed in writing by the Sainsbury's Travel Insurance Centre and any additional premium requested by them was paid before starting Your Trip).
6. any Policy Excess shown in the Schedule of Benefits and Excesses relating to this Section.

Section 16C
Ski Pack
We will pay
up to £100 for each 7 day period (up to a maximum of £300) for the proportionate value of any unused ski pass, ski hire or tuition fee due to the following;
1. You becoming ill or being injured in an Accident;
2. loss or theft of Your ski pass.
We will not pay for the following:
1. loss or theft of Your ski pass which is not reported to the appropriate Police authority within 24 hours of discovery and an official report obtained;
2. loss or theft of Your ski pass which is not reported to any appropriate authority (specifically for claims arising against carriers and hotels) within 24 hours of discovery and an official report obtained;
3. ski pass left unattended in public places (e.g. station, airport, restaurant etc);
4. ski pass left in the custody of a person who does not have an official responsibility for the safekeeping of the property;
5. an illness resulting from a Pre-Existing Medical Condition (unless terms were agreed in writing by the Sainsbury's Travel Insurance Centre and any additional premium requested by them was paid before starting Your Trip).
6. any Policy Excess shown in the Schedule of Benefits and Excesses relating to this Section.

Section 16D
Piste Closure
We will pay
£30 for each 24 hour period (up to a maximum of £250) if You are not allowed to ski for a continuous period in excess of 12 hours due to complete closure of all pistes as a result of lack of snowfall, excessive
snowfall or bad weather in a pre-booked Winter Sports resort.
Alternatively, We will pay
an amount of £25 for each 24 hour period (up to a maximum of £250) for You to travel to an alternative site. This Section is only valid for the period December to March inclusive.
We will not pay for the following:
1. claims which are not substantiated by a report from the resort management;
2. piste closure which was in existence prior to Your arrival in Your pre-booked ski resort.

Section 16D
Piste Closure
We will pay
£30 for each 24 hour period (up to a maximum of £250) if You are not allowed to ski for a continuous period in excess of 12 hours due to complete closure of all pistes as a result of lack of snowfall, excessive
snowfall or bad weather in a pre-booked Winter Sports resort.
Alternatively, We will pay
an amount of £25 for each 24 hour period (up to a maximum of £250) for You to travel to an alternative site. This Section is only valid for the period December to March inclusive.
We will not pay for the following:
1. claims which are not substantiated by a report from the resort management;
2. piste closure which was in existence prior to Your arrival in Your pre-booked ski resort.

Section 16D
Piste Closure
We will pay
£30 for each 24 hour period (up to a maximum of £250) if You are not allowed to ski for a continuous period in excess of 12 hours due to complete closure of all pistes as a result of lack of snowfall, excessive
snowfall or bad weather in a pre-booked Winter Sports resort.
Alternatively, We will pay
an amount of £25 for each 24 hour period (up to a maximum of £250) for You to travel to an alternative site. This Section is only valid for the period December to March inclusive.
We will not pay for the following:
1. claims which are not substantiated by a report from the resort management;
2. piste closure which was in existence prior to Your arrival in Your pre-booked ski resort.

Section 16F
Avalanche Closure
We will pay
up to £250 for additional reasonable travel and accommodation expenses in the event that Your outward or return journey, to or from Your pre-booked ski resort, is delayed for at least 12 hours beyond the scheduled departure time as a direct result of an avalanche in Your ski resort.
We will not pay for the following:
for incidents which are not substantiated by a report from the resort management.
Note: You cannot claim under Sections 10 (Missed Departure), Section 11 (Travel Delay) or Section 13 (Catastrophe) for the same delay/disruption as covered by this Section.

Section 16B
Ski Hire
We will pay
up to £20 for each 24 hour period (up to a maximum of £300) in respect of reasonable costs incurred by You for the necessary hire of skis following:
1. loss or breakage of Your skis;
2. the misdirection or delay in transit of Your skis for more than 12 hours.
We will not pay for the following:
1. loss or theft of skis which is not reported to the appropriate Police authority within 24 hours of discovery and verified by a Police report.
2. loss of, theft of or damage to skis which is not reported to any appropriate authority (specifically for claims arising against carriers and hotels), within 24 hours of discovery and an official report obtained;
3. loss of, theft of or damage to skis shipped as freight or under a bill of lading;
4. skis left unattended in public places (e.g. station, airport, restaurant etc);
5. skis left in the custody of a person who does not have an official responsibility for the safekeeping of the property;
6. any loss or theft of skis from an unattended motor vehicle unless the skis were secured within a purpose built and locked container fastened to the exterior of the vehicle and the loss is verified by a Police report;
7. any Policy Excess shown in the Schedule of Benefits and Excesses relating to this Section.

Section 16B
Ski Hire
We will pay
up to £20 for each 24 hour period (up to a maximum of £300) in respect of reasonable costs incurred by You for the necessary hire of skis following:
1. loss or breakage of Your skis;
2. the misdirection or delay in transit of Your skis for more than 12 hours.
We will not pay for the following:
1. loss or theft of skis which is not reported to the appropriate Police authority within 24 hours of discovery and verified by a Police report.
2. loss of, theft of or damage to skis which is not reported to any appropriate authority (specifically for claims arising against carriers and hotels), within 24 hours of discovery and an official report obtained;
3. loss of, theft of or damage to skis shipped as freight or under a bill of lading;
4. skis left unattended in public places (e.g. station, airport, restaurant etc);
5. skis left in the custody of a person who does not have an official responsibility for the safekeeping of the property;
6. any loss or theft of skis from an unattended motor vehicle unless the skis were secured within a purpose built and locked container fastened to the exterior of the vehicle and the loss is verified by a Police report;
7. any Policy Excess shown in the Schedule of Benefits and Excesses relating to this Section.

WINTER SPORTS (if appropriate premium paid):
means Insurance (up to a maximum of 24 days cover in total in any one year) whilst You are skiing, snowboarding, or participating in any snow or ice activities including off-piste skiing (provided You are accompanied by a qualified ski instructor who holds the appropriate Liability Insurance and that there are no avalanche warnings current). Insurance is not provided for ski-racing, ski-jumping, ski-flying, ski-acrobatics and stunting, heli-skiing, ice hockey or the use of skeletons or bobsleighs.

PERIOD OF INSURANCE:
means the period shown on the Policy Schedule. Section 1 (Cancellation) is effective from the date of booking any travel or accommodation for the Trip where the event giving rise to the cancellation occurs during the Period of Insurance. Cancellation cover terminates upon the commencement of Your Trip. All other Sections are effective from the time the Insured Person leaves his/her Home in the United Kingdom (whichever is left last) and shall continue until the Insured Person returns to a) their Home or b) a hospital or nursing Home in the United Kingdom following their repatriation (whichever is reached first) but both events must occur during the Trip Duration (except where there is an Extension of Insurance).

Section 3
Medical and Repatriation Expenses
We will pay
up to a maximum of £5,000,000 in the event of an Accident or sickness whilst on the Trip, in respect of the following:
1. usual and reasonable medical, hospital and treatment expenses, including the cost of the rescue service to take You to hospital, (including the cost of emergency dental treatment for the relief of pain only up to £500) outside the UK for continuous treatment only, not exceeding 12 months, which will cease when on medical advice You are able to return to the UK;
2. the reasonable costs of funeral expenses abroad or the reasonable cost of conveying the Insured Person's body or ashes to their Home address in the UK;
3. repatriation expenses (including air ambulance or the special use of air transport) to return You to the UK provided it is medically necessary and the arrangements are authorised beforehand and made by the Emergency & Medical Assistance Company;

Section 6
Baggage
(unless You have opted to remove this Section of cover)
We will pay
up to a maximum of £1,000 (after making reasonable allowance for wear, tear and depreciation) for accidental loss, or theft of, or damage to Baggage owned by You. In the event of a claim You must provide the Claims Office with any original receipts, proofs of purchase or insurance valuations (obtained prior to loss, theft or damage) which they request.

Section 6
Baggage
(unless You have opted to remove this Section of cover)
We will pay
up to a maximum of £1,000 (after making reasonable allowance for wear, tear and depreciation) for accidental loss, or theft of, or damage to Baggage owned by You. In the event of a claim You must provide the
Claims Office with any original receipts, proofs of purchase or insurance valuations (obtained prior to loss, theft or damage) which they request.
We will not pay for the following:
1. more than £200 for any one article, Pair or Set of articles;
2. more than £200 in total in respect of Valuables;
3. Ski Equipment (this is covered under Section 16 (Winter Sports) if the appropriate premium is paid);
4. loss, or theft of or damage to fragile articles, contact or corneal lenses, spectacles, sunglasses, bicycles;
5. loss, or theft of or damage to sports equipment whilst in use;
6. loss or damage whilst in the custody of an airline or other carrier unless You report it immediately on discovery to the carrier and get a written report. In the case of an airline You will need a Property Irregularity Report (PIR);
7. loss or theft of Your Baggage that You do not report to the Police within 24 hours of discovery and You do not get a written report from them;
8. loss or damage to Your Baggage caused by normal wear and tear, gradual deterioration or mechanical or electrical breakdown, decay, moth, vermin, atmospheric or climatic conditions;
9. Baggage left out of Your sight and out of personal control in public places (e.g. station, airport, restaurant, beach, etc);
10. any loss, or theft of Baggage from unattended motor cycles or motor vehicles (other than locked vehicles where there is evidence of forcible entry or exit and provided the items were not visible from the vehicle exterior, and where the forcible entry or exit is verified by a Police report);
11. any loss of Valuables packed in a suitcase or similar container (other than normal hand-Baggage) unless they are at all times attended by You or left in hotel security, safety deposit box, safe or similar locked fixed receptacle;
12. any loss, or theft of Valuables from an unattended vehicle unless between the hours of 09:00 and 21:00 and locked in the boot, covered luggage area or locked glove compartment and following physical evidence of forcible entry and reported to the appropriate Police authority and a report obtained from them;
13. loss of or damage to Valuables (other than wedding rings) while You are swimming;
14. any items left in the custody of a person who does not have official responsibility for the safekeeping of the property;
15. any Policy Excess shown in the Schedule of Benefits and Excesses relating to this Section.

Section 7
Delayed Baggage
(outbound journey only)
We will pay
up to a maximum of £100 to cover the purchase of essential items if You are temporarily deprived of Your Baggage, due to misdirection in delivery, for over 12 hours from the time You arrive at Your first Trip
destination abroad. You must keep all receipts for these items and send them with Your claim form.
Any amount paid will be deducted from the final claim settlement under Section 6 (Baggage) if the items are permanently lost.
We will not pay for the following:
loss or damage whilst in the custody of an airline or other carrier unless You report it immediately on discovery to the carrier and get a written report. In the case of an airline You will need a Property Irregularity
Report (PIR).

Section 1
Cancellation
We will pay
for Your proportion of the costs up to a maximum of £2,500 which You have paid or agreed to pay and which You cannot recover from any source or in the event of Your flight being booked with Air Miles We will
pay the cost of an equivalent flight, to be taken within 3 months from the time of loss, following;
1. Your necessary and unavoidable cancellation of the Trip which occurs after the start date of cover shown on the Policy Schedule, due to:
a. the death, injury or illness of You, Your Relative or Close Business Colleague or of any person with whom You had arranged to travel, or a friend or Relative who lives abroad with whom You had arranged to stay;
b. Your attendance at a court of law as a witness or for Jury Service where postponement of the Jury Service has been denied by the Clerk of the Courts Office;
c. Your Redundancy or that of Your travelling companion or Your co-habiting partner or spouse;
d. Your compulsory quarantine, or Government restriction following an epidemic which prevents You from travelling;
e. Your Home becoming uninhabitable following serious fire, storm or flood within 14 days prior to Your scheduled departure date.
Note: Cover under this Section only applies to those persons named on the Policy Schedule. Any reimbursement will be no greater per person than the pre-paid costs of the highest adult charge.
Any payment We make to You is dependent on You observing the following:
1. seeking an opinion on the advisability of making the Trip from Your registered doctor if You have a Pre-Existing Medical Condition, taking into account Your chosen Trip destination, the climatic conditions, the stability of Your condition, the effect of any additional drugs or vaccines necessary and the standard of the medical services available;
2. notifying the travel agent, tour operator or provider of transport or accommodation immediately You know You will be cancelling the Trip. We will only pay the cancellation charges that would have applied at the time You knew it was necessary to cancel Your Trip if a valid claim existed.
We will not pay for the following:
1. if travel is against the advice or knowledge of Your doctor;
2. if You failed to contact and obtain written authorisation from the Sainsbury's Travel Insurance Centre, and pay any premium required by them before starting Your Trip, having disclosed any Material Fact or Pre-Existing Medical Condition prior to the date of issue of the Policy Schedule;
3. any claim which is due to:
a. Your failure to obtain the required passport or visa;
b. Your failure to obtain any recommended or required vaccines, inoculations or medications prior to Your Trip;
c. You travelling for the purpose of obtaining medical treatment or in the knowledge that You are likely to need treatment;
d. the operation of law;
e. the failure in provision of any service connected with Your Trip including error, omission, financial failure, or default of, or by the provider of, any service, travel agent, tour operator/organiser through whom You booked the Trip;
f. death or illness of any pets or animals;
g. Your disinclination to travel, or personal financial circumstances (other than Your being made redundant after the Start Date of cover shown on the Policy Schedule);
h. any loss in respect of Air Passenger Duty (this can be reclaimed by You through Your travel agent or airline);
i. the death, injury or serious illness of any person if their specific medical condition was known on the date You booked Your Trip and is the reason for Your cancellation of the Trip;
j. Your late arrival at the airport or port after check-in or booking-in time (except for a late arrival covered under Section 10 Missed Departure);
k. any unlawful or criminal proceedings of anyone on whom the Trip plans depend, other than attendance as a witness at a Court of Law;
l. any circumstances, including but not limited to strike or industrial action, known to You or publicly declared prior to the date the Policy Schedule is issued or the time of booking the Trip (whichever is the earlier) which could reasonably have been expected to give rise to a claim.
4. Any Policy Excess shown in the Schedule of Benefits and Excesses relating to this Section.
Section 2
Curtailment
We will pay
up to a maximum of £2,500 if You unavoidably cut short Your Trip by returning to the UK. The cover provides a refund which is a percentage of the unused part of the pre-paid Trip costs (but excluding the last day
of travel) due to:
1. the death, injury, serious illness or hijack of yourself or the person with whom You are travelling;
2. the death, injury, serious illness or hijack of Your Relative or Close Business Colleague who is resident in the UK;
3. Your attendance at a court of law as a witness or for Jury Service where postponement of the Jury Service has been denied by the Clerk of the Courts Office;
4. You being called back by the Police after Your Home or usual place of business in the UK has suffered from burglary, serious fire, storm or flood.
We will also pay
for reasonable additional travel and accommodation expenses You incur in returning to the UK which on medical advice are necessary and unavoidable as a result of 1 and 2 above.
Any payment We make to You is dependent on You observing the following:
1. seeking an opinion on the advisability of making the Trip from Your registered doctor if You have a Pre-Existing Medical Condition, taking into account Your chosen Trip destination, the climatic conditions, the stability of Your condition, the effect of any additional drugs or vaccines necessary and the standard of the medical services available;
2. contacting the Emergency & Medical Assistance Company prior to Your leaving the Trip destination for Your return to the UK;
3. if You are cutting short Your journey for medical reasons, You must get a doctor's certificate and the approval of the Emergency & Medical Assistance Company to confirm You need to return Home to the UK;
4. not travelling specifically to receive medical treatment during Your Trip or in the knowledge that You are likely to need treatment;
5. obtaining any recommended vaccines, inoculations or medications prior to Your Trip;
6. having a pre-paid return ticket to the UK at the start of Your Trip unless otherwise agreed by Us.
We will not pay for the following:
1. any costs arising from Your pregnancy or childbirth if the expected date of delivery is less than 12 weeks after the end of Your Trip;
2. Your loss of enjoyment of the Trip however caused;
3. any unused portion of Your original ticket where repatriation has been made;
4. if You travelled against the advice or knowledge of Your doctor;
5. if You failed to contact and obtain written authorisation from the Sainsbury's Travel Insurance Centre, and pay any additional premium required by them before starting Your Trip, having disclosed any Material Fact or Pre-Existing Medical Condition before the start date of cover shown on the Policy Schedule;
6. any costs relating to the death, injury or serious illness of Your Relative or Close Business Colleague resident in the UK where the condition giving rise to the claim is known to You at the date You book Your Trip;
7. Your disinclination to travel, or if curtailment is requested because of psychiatric disorders, depression, anxiety, stress, phobias or personal financial circumstances;
8. death or illness of any pets or animals;
9. any costs or event caused by Your failure to get approval from the Emergency & Medical Assistance Company prior to Your departure which confirms the necessity to return Home;
10. any Policy Excess shown in the Schedule of Benefits and Excesses relating to this Section.

Section 10
Missed Departure
(outbound journey only)
We will pay
up to a maximum of £500 for reasonable additional accommodation (room only) and travel expenses, to allow You to continue with Your prebooked Trip, should You arrive at Your last departure point from the UK,
too late to board Your booked flight or sailing if:
1. scheduled Public Transport services fail to get You there in time due to strike, industrial action, adverse weather conditions or mechanical breakdown;
2. the private motor vehicle in which You are travelling to Your last departure point in the UK suffers a mechanical breakdown/failure or is directly involved in a road traffic accident which results in mechanical breakdown/failure or Bodily Injury.
Note: Cover in respect of 2. above only applies to vehicles under 7 years old. Any Accidents must be reported to the Police if there is a personal injury and any Accident or breakdown not resulting in personal injury must be reported to a recognised Motoring Rescue Organisation and a report obtained. Any repair costs to the vehicle are not covered by this insurance.
We will not pay for the following:
1. Your failure to allow sufficient time for the Public Transport to arrive on schedule and deliver You to Your first international departure point;
2. strike, industrial action, delays or disruptions arising from weather conditions which had started or were publicly declared on the date the Policy Schedule is issued or You booked the Trip (whichever is later);
3. any claim arising from Your private motor vehicle in which You are travelling not having been properly serviced and maintained, in the event of vehicle breakdown;
4. any Policy Excess shown in the Schedule of Benefits and Excesses relating to this Section.

Section 11
Travel Delay
(outbound journey only)
We will pay
£20 after the first full 12 hours delay, and £20 for each full 12 hours delay thereafter (up to a maximum of £200), if the international transport service (which forms part of Your pre-booked itinerary) is delayed due to circumstances beyond Your control at Your last departure point from the UK.
If after 12 hours delay to Your outbound journey You choose to abandon Your Trip we will pay your cancellation costs under the cancellation section of this policy.
Note: For residents of the Channel Islands, Northern Ireland and Isle of Man, cover will also be provided for a flight or sea vessel journey interconnecting with the last flight or sea vessel journey from the international departure point from mainland United Kingdom or other European terminal.
We will not pay for the following:
1. any claim which is as a result of Your failure to check-in at the departure airport or port by the time shown on Your travel itinerary;
2. any compensation unless You have obtained written confirmation from the airline or shipping company or their handling agents which shows the reason for the delay, the scheduled departure time and the actual departure time of Your flight or sailing;
3. any compensation where the airline or shipping company or their handling agents provide alternative transport which departs within 12 hours of the booked departure time;
4. any delay which is due to strike or industrial action, delays or disruptions arising from weather conditions which had started or were publicly declared on the date the Policy Schedule is issued or You booked the Trip (whichever is the later).
5. Any claim where You decide to cancel the journey and we pay a claim under section 1 of this policy.

Section 11
Travel Delay
(outbound journey only)
We will pay
£20 after the first full 12 hours delay, and £20 for each full 12 hours delay thereafter (up to a maximum of £200), if the international transport service (which forms part of Your pre-booked itinerary) is delayed due to circumstances beyond Your control at Your last departure point from the UK.
If after 12 hours delay to Your outbound journey You choose to abandon Your Trip we will pay your cancellation costs under the cancellation section of this policy.
Note: For residents of the Channel Islands, Northern Ireland and Isle of Man, cover will also be provided for a flight or sea vessel journey interconnecting with the last flight or sea vessel journey from the international departure point from mainland United Kingdom or other European terminal.
We will not pay for the following:
1. any claim which is as a result of Your failure to check-in at the departure airport or port by the time shown on Your travel itinerary;
2. any compensation unless You have obtained written confirmation from the airline or shipping company or their handling agents which shows the reason for the delay, the scheduled departure time and the actual departure time of Your flight or sailing;
3. any compensation where the airline or shipping company or their handling agents provide alternative transport which departs within 12 hours of the booked departure time;
4. any delay which is due to strike or industrial action, delays or disruptions arising from weather conditions which had started or were publicly declared on the date the Policy Schedule is issued or You booked the Trip (whichever is the later).
5. Any claim where You decide to cancel the journey and we pay a claim under section 1 of this policy.

Section 15
Personal Liability
We will pay
up to a maximum of £2,000,000 plus costs of defence of a claim agreed between Us in writing for any event occurring during the Trip which You are legally liable to pay that relate to an incident caused by You and
which results in:
1. injury, illness, death or disease to another person;
2. loss of or damage to property which does not belong to You or any member of Your Family and is neither in Your charge nor under Your control or that of any member of Your Family;
We will not pay
for claims arising directly or indirectly for any liability for loss of or damage to property, or injury, illness or disease:
1. where an indemnity is provided under any other insurance;
2. which is suffered by anyone who is under a contract of service with You or any member of Your Family and is caused by the work You employ them to do;
3. which is caused by any deliberate, unlawful, malicious or wilful act or omission by You;
4. which is caused by Your employment, profession or business or that of any member of Your Family;
5. which is caused by Your ownership, care, custody or control of any animal;
6. which falls on You by agreement and would not have done if such agreement did not exist;
7. which is due to any criminal proceedings;
8. which is due to Your ownership, possession or use of vehicles, aircraft, watercraft, firearms or explosive devices;
9. which is caused by Your ownership or occupation of land or buildings (other than occupation only of any temporary residence, excepting time-share);
10. which is caused by You having HIV (Human Immunodeficiency Virus) and/or any HIV related illnesses including AIDS (Acquired Immune Deficiency Syndrome) and/or any mutant derivatives or variations thereof however caused;
11. any Policy Excess shown in the Schedule of Benefits and Excesses relating to this Section.
Our total liability under all such insurance's arising from any one incident or series of incidents shall not exceed £2,000,000.

Section 13
Catastrophe
We will pay
up to a maximum of £500 for reasonable travel and accommodation expenses to enable You to continue Your Trip if You are forced to move from Your pre-booked and pre-paid accommodation as a result of fire,
lightning, earthquake, storm, tempest, hurricane, flood, explosion, medical epidemic or local Government directive (which is confirmed in writing by local or national authorities).
We will not pay for the following:
1. costs or expenses payable by or recoverable from Your tour operator, airline, hotel or other provider of accommodation or transport;
2. You deciding not to remain in Your booked accommodation although it is considered safe and acceptable to continue living there by the appropriate authorities;
3. any Policy Excess shown in the Schedule of Benefits and Excesses relating to this Section.

This insurance will not pay for any deterioration of or loss or damage to property, or any legal liability, injury, illness, death or expense, directly or indirectly due to, contributed to or caused by;
11. any Hazardous Sports, Pursuits or Activities, (including mountaineering requiring the use of ropes and/or guides, pot-holing or underground activities (other than caving), racing other than on foot, parachuting, micro-lighting, go-karting, motor rallies, motor competitions, professional sporting activities or scuba diving below 30 metres in depth), whilst on the Trip unless You have paid an additional premium and the Policy Schedule shows that You are covered for this activity;

General Exclusions applicable to all Sections
This insurance will not pay for any deterioration of or loss or damage to property, or any legal liability, injury, illness, death or expense, directly or indirectly due to, contributed to or caused by;
1. a Pre-Existing Medical Condition which was not accepted by Us, or where any additional premium was required by Us and You did not pay this before Your Trip departure date;
2. You, or any other person who is not travelling but upon whose state of health a decision by You to cancel or curtail a Trip may depend, having received a terminal prognosis, unless in respect of Section 1 (Cancellation) the terminal prognosis was received after the date of booking the Trip;
3. terrorist action, war, invasion, act of foreign enemy, hostilities (whether or not war has been declared), civil war, rebellion, military or usurped power, riot or civil commotion (except in respect of Hijack (Section 12) or revolution or similar event) if You have deliberately put yourself in danger;
4. Your failure to disclose a Material Fact;
5. air travel, other than as a passenger in a fully licensed passenger carrying aircraft, but not as a pilot or co-pilot, nor for the purpose of engaging in any trade or technical operation therein;
6. the use of motorcycles or mopeds, unless You are wearing a crash helmet and the person in control of the motorcycle or moped is in possession of a valid full motorcycle driving licence permitting the riding of that class of motorcycle or moped and the motorcycle or moped has an engine capacity of 125cc or less;
7. any travel undertaken against Foreign Office advice or where it is deemed unsafe for You to travel;
8. ionising radiations or contamination by radioactivity from any nuclear fuel or any nuclear waste from the combustion of nuclear fuel, or the radioactive toxic explosive or other hazardous properties of any explosive nuclear machinery or parts;
9. pressure waves caused by aircraft and other aerial devices travelling at sonic or supersonic speeds;
10. confiscation or destruction of property by any Customs, Government or other Authority of any country;
11. any Hazardous Sports, Pursuits or Activities, (including mountaineering requiring the use of ropes and/or guides, pot-holing or underground activities (other than caving), racing other than on foot, parachuting, micro-lighting, go-karting, motor rallies, motor competitions, professional sporting activities or scuba diving below 30 metres in depth), whilst on the Trip unless You have paid an additional premium and the Policy Schedule shows that You are covered for this activity;
12. wilfully self-inflicted injury or illness or solvent abuse;
13. You being under the influence of alcohol or drugs (except those prescribed by Your registered Doctor, but not when prescribed for the treatment of drug addiction);
14. Your failure to obtain any required vaccines/inoculations or medications prior to Your Trip departure;
15. Your suicide or attempted suicide or putting yourself at risk unless You are attempting to save a human life;
16. any dishonest, malicious or criminal act committed by You or any person with whom You are in collusion, or insurance arranged in circumstances where a claim might reasonably be anticipated;
17. Your choosing to extend Your Trip beyond the permitted duration;
18. claims, other than under Section 3 (Medical and Repatriation Expenses), Section 4 (Hospital Benefit) and Section 5 (Personal Accident) which arise from, or are in any way connected (whether directly or indirectly) with, or exacerbated by, any actual or anticipated failure of any computer or electronic device, or component or system or embedded programming or software (whether or not belonging to or in the possession of the Insured);
19. psychiatric disorders, depression, anxiety, stress or phobias;
20. Participation in Winter Sports unless the appropriate premium has been paid and is shown on Your Policy Schedule.

This insurance will not pay for any deterioration of or loss or damage to property, or any legal liability, injury, illness, death or expense, directly or indirectly due to, contributed to or caused by;
3. terrorist action, war, invasion, act of foreign enemy, hostilities (whether or not war has been declared), civil war, rebellion, military or usurped power, riot or civil commotion (except in respect of Hijack (Section 12) or revolution or similar event) if You have deliberately put yourself in danger;

This insurance will not pay for any deterioration of or loss or damage to property, or any legal liability, injury, illness, death or expense, directly or indirectly due to, contributed to or caused by;
3. terrorist action, war, invasion, act of foreign enemy, hostilities (whether or not war has been declared), civil war, rebellion, military or usurped power, riot or civil commotion (except in respect of Hijack (Section 12) or revolution or similar event) if You have deliberately put yourself in danger;

This insurance will not pay for any deterioration of or loss or damage to property, or any legal liability, injury, illness, death or expense, directly or indirectly due to, contributed to or caused by;
18. claims, other than under Section 3 (Medical and Repatriation Expenses), Section 4 (Hospital Benefit) and Section 5 (Personal Accident) which arise from, or are in any way connected (whether directly or indirectly) with, or exacerbated by, any actual or anticipated failure of any computer or electronic device, or component or system or embedded programming or software (whether or not belonging to or in the possession of the Insured);

General conditions applicable to all sections
You are advised to take this Policy Booklet and Your Policy Schedule with You on Your Trip. You will be required to provide these documents as evidence of Insurance if You need the service of a hospital or other
assistance provider. You will also need to be able to quote Your policy number when You contact the Emergency & Medical Assistance Company or the Claims Office.
At all times We will act in good faith in Our dealings with You. The payment of all claims following events that occur in the Period of Insurance are dependent on You observing the following:
1. taking all possible care to safeguard against Accident, injury, loss or damage as if You had no insurance cover;
2. giving the Claims Office full details in writing of any incident which may result in a claim under this insurance within 31 days;
3. passing on to the Claims Office every writ, summons, legal process or other communication in connection with the claim;
4. providing all necessary information and assistance that the Claims Office may require at Your expense (including where necessary medical certification and details of Your household insurance);
5. not admitting liability for any event, or offering to make any payment, without Our or the Claims Office's prior written consent;
6. accepting that no alterations and/or additions to the printed terms and conditions of Your insurance will be valid unless agreed by Us;
7. living in the United Kingdom, and having been a resident of the United Kingdom for a continuous period of at least 6 months prior to the date of issue of the Policy Schedule and being registered with a UK General Practitioner;
8. starting the Trip from Your Home in the United Kingdom and returning to Your Home in the United Kingdom at the end of the Trip, within the permitted Trip Duration.
And You recognising Our rights to:
1. make Your insurance void where any claim is found to be fraudulent;
2. share information with other insurers to prevent fraudulent claims via a register of claims. A list of participants is available on request.
Any information You supply on a claim, together with information You have supplied on any application form and other information relating to a claim, may be provided to the register participants;
3. take over and act in Your name the defence or settlement of any claim made under this insurance;
4. take proceedings in Your name but at Our expense to recover for Our benefit the amount of any payment made under this insurance;
5. obtain information from Your medical records (with Your permission) for the purpose of dealing with any medical claims. No personal information will be disclosed to any outside person or organisation without Your prior approval;
6. not to refund the insurance premium (either in full or part) after the Policy Schedule has been issued, unless after receipt of this Policy Booklet You find that the Terms and Conditions do not meet Your
requirements, in which case the Policy Schedule must be returned to the Sainsbury's Travel Insurance Centre within 14 days of the Date of Issue of the Policy Schedule for a refund under the Premium Refund Guarantee;
7. not pay You more than the amounts shown in the Schedule of Benefits and Excesses;
8. only pay a proportionate amount of any claim where there is another Insurance Policy in force covering the same risk and to require details of such other insurance or proof of ownership.

POLICY EXCESS : means the first amount of each and every claim, for each separate incident, for each Insured Person, which is not covered under certain Sections of the Policy.