Securance Basic

Section B - Emergency medical and other expenses
What is covered
We will pay You up to £5,000,000 for the following expenses which are necessarily incurred within 12 months of the incident as a result of Your suffering Bodily Injury or illness and/or compulsory quarantine:
1. Emergency medical, surgical, hospital, ambulance and nursing fees and charges incurred:
a) outside the United Kingdom or
b) within the Channel Islands.
2. Emergency dental treatment for the immediate relief of pain (to natural teeth only) up to a limit of £200 incurred:
a) outside the United Kingdom or
b) within the Channel Islands.
3. In the event of Your death outside the United Kingdom the reasonable additional cost of funeral expenses abroad up to a maximum of £1,500 plus the reasonable cost of conveying Your ashes to Your Home, or the additional costs of returning Your body to Your Home.
4. Reasonable additional transport (economy class) or accommodation expenses incurred, up to the standard of Your original booking, if it is medically necessary for You to stay beyond Your scheduled return date.
This includes, with the prior authorisation of AXA Assistance, reasonable additional transport or accommodation expenses for a friend or Close Relative to remain with You or travel to You from the United Kingdom or escort You and additional travel expenses to return You to Your Home if You are unable to use the return ticket.
5. With the prior authorisation of AXA Assistance, the additional costs incurred in the use of air transport or other suitable means, including qualified attendants, to repatriate You to Your Home if it is medically
necessary. Repatriation expenses will be in respect only of the identical class of travel utilised on the outward journey unless AXA Assistance agree otherwise.
Special conditions relating to claims
1. You must give notice as soon as possible to AXA Assistance or Us of any Bodily Injury or illness which necessitates Your admittance to hospital as an in-patient or before any arrangements are made for Your repatriation.
2. In the event of Your Bodily Injury or illness We reserve the right to relocate You from one hospital to another and arrange for Your repatriation to the United Kingdom at any time during the Trip. We will do this if in the opinion of the Medical Practitioner in attendance or AXA Assistance You can be moved safely and/or travel safely to the United Kingdom to continue treatment.
What is not covered
1. The first £100 of each and every claim per incident for each Insured Person but limited to £200 in all if Family Cover or Single Parent Cover applies.
2. Any claims arising directly or indirectly in respect of:
a) Costs of telephone calls, other than calls to AXA Assistance notifying them of the problem for which You are able to provide a receipt or other evidence to show the cost of the call and the number telephoned.
b) The cost of treatment or surgery, including exploratory tests, which are not directly related to the Bodily Injury or illness which necessitated Your admittance into hospital.
c) Any expenses which are not usual, reasonable or customary to treat Your Bodily Injury or illness.
d) Any form of treatment or surgery which in the opinion of the Medical Practitioner in attendance and AXA Assistance can be delayed reasonably until Your return to the United Kingdom.
e) Expenses incurred in obtaining or replacing medication, which at the time of departure is known to be required or to be continued outside the United Kingdom.
f) Additional costs arising from single or private room accommodation.
g) Treatment or services provided by a health spa, convalescent or nursing home or any rehabilitation centre unless agreed by AXA Assistance.
h) Any expenses incurred after You have returned to the United Kingdom.
i) Expenses incurred as a result of a tropical disease where You have not had the recommended inoculations and/or taken the recommended medication.
j) Your decision not to be repatriated after the date when in the opinion of AXA Assistance it is safe to do so.
3. Anything mentioned in the general exclusions on page 12.
You should also refer to the Important conditions relating to health on page 11.

Section D Personal accident
Special definitions (which are shown in italics)
Loss of limb
- Means loss by permanent severance of an entire hand or foot or the total and permanent loss of use of an entire hand or foot.
Loss of sight
- Means total and irrecoverable loss of sight.
What is covered
We will pay either:
a) one of the benefits 1. to 3. shown below if You sustain Bodily Injury which shall solely and independently of any other cause, result within two years in Your death, loss of limb, loss of sight or permanent total disablement and/or
b) benefit 4. shown below if You sustain Bodily Injury as a result of a road traffic accident whilst You are travelling in a hire car in New Zealand, which shall solely and independently of any other cause, result in Your temporary total disablement.
BENEFIT   Up to age   Age 16 years to 56
    15 years inclusive  years inclusive
1. Death   £2,000    £10,000
2. Loss of one or more limbs
and/or loss of sight in one
or both eyes   £10,000    £10,000
3. Permanent total
disablement   £10,000    £10,000
4. Temporary total
disablement   Not covered   £200 per week
Special conditions relating to claims
1. Our Medical Practitioner may examine You as often as they deem necessary in the event of a claim.
Provisions
1. Benefit is not payable to You:
a) Under more than one of items 1., 2. or 3.
b) Under item 3. until one year after the date You sustain Bodily Injury.
c) Under item 3. if You are able or may be able to carry out any relevant occupation.
d) Under item 4. for the first 7 days of such disablement or for more than 52 weeks from the date You sustain Bodily Injury.
e) Under item 4. if You are able or may be able to carry out a substantial part of Your relevant occupation (whether on a full time or part time basis) or (where You are not gainfully employed or gainfully occupied) if You are not necessarily confined to a hospital, nursing home or similar establishment or to a private residence.
What is not covered
1. Anything mentioned in the general exclusions on page 12.

Section C - Hospital benefit
What is covered
We will pay You £30 for every complete 24 hours You have to stay in hospital as an in-patient:
a) outside the United Kingdom or
b) within the Channel Islands up to a maximum of £500 as a result of Bodily Injury or illness You sustain.
We will pay the amount above in addition to any amount payable under section B - Emergency medical and other expenses.
Special conditions relating to claims
1. You must give notice as soon as possible to AXA Assistance or Us of any Bodily Injury or illness which necessitates Your admittance to hospital as an in-patient.
What is not covered
1. Any claims arising directly or indirectly from:
a) Any additional period of hospitalisation relating to treatment or surgery, including exploratory tests, which are not directly related to the Bodily Injury or illness which necessitated Your admittance into hospital.
b) Hospitalisation relating to any form of treatment or surgery which in the opinion of the Medical Practitioner in attendance and AXA Assistance can be delayed reasonably until Your return to the United Kingdom.
c) Any additional period of hospitalisation relating to treatment or services provided by a convalescent or nursing home or any rehabilitation centre.
d) Hospitalisation as a result of a tropical disease where You have not had the recommended inoculations and/or taken the recommended medication.
e) Any additional period of hospitalisation following Your decision not to be repatriated after the date when in the opinion of AXA Assistance it is safe to do so.
2. Anything mentioned in the general exclusions on page 12.

Section B - Emergency medical and other expenses
What is covered
We will pay You up to £5,000,000 for the following expenses which are necessarily incurred within 12 months of the incident as a result of Your suffering Bodily Injury or illness and/or compulsory quarantine:
1. Emergency medical, surgical, hospital, ambulance and nursing fees and charges incurred:
a) outside the United Kingdom or
b) within the Channel Islands.
2. Emergency dental treatment for the immediate relief of pain (to natural teeth only) up to a limit of £200 incurred:
a) outside the United Kingdom or
b) within the Channel Islands.

Section B - Emergency medical and other expenses
What is covered
We will pay You up to £5,000,000 for the following expenses which are necessarily incurred within 12 months of the incident as a result of Your suffering Bodily Injury or illness and/or compulsory quarantine:
3. In the event of Your death outside the United Kingdom the reasonable additional cost of funeral expenses abroad up to a maximum of £1,500 plus the reasonable cost of conveying Your ashes to Your Home, or the additional costs of returning Your body to Your Home.

Section B - Emergency medical and other expenses
What is covered
We will pay You up to £5,000,000 for the following expenses which are necessarily incurred within 12 months of the incident as a result of Your suffering Bodily Injury or illness and/or compulsory quarantine:
3. In the event of Your death outside the United Kingdom the reasonable additional cost of funeral expenses abroad up to a maximum of £1,500 plus the reasonable cost of conveying Your ashes to Your Home, or the additional costs of returning Your body to Your Home.

Section F - Personal money, passport and documents
What is covered
1. We will pay You up to the amounts shown below for the accidental loss of, theft of or damage to Personal Money and documents (including passports, visas, driving licences and green cards). In respect of foreign currency cover is also operative during the 72 hours immediately preceding Your departure on the outward journey.
The maximum We will pay for the following items is:
a) For bank notes currency notes and coins £150.
b) If You are under the age of 16, for bank notes currency notes and coins £50.
c) For all other Personal Money and documents £150.
2. We will pay You up to £300 for reasonable additional travel and accommodation expenses incurred necessarily abroad to obtain a replacement of Your lost or stolen passport or visa.
Special conditions relating to claims
1. You must report to the local Police within 24 hours of discovery and obtain a written report of the loss, theft or attempted theft of all Personal Money, passports or documents.
2. If Personal Money, passports or documents are lost, stolen or damaged while in the care of a carrier, transport company, authority or hotel You must report to them, in writing, details of the loss, theft or damage and obtain written confirmation. If Personal Money, passports or documents are lost, stolen or damaged whilst in the care of an airline You must:
a) obtain a Property Irregularity Report from the airline.
b) give formal written notice of the claim to the airline within the time limit contained in their conditions of carriage (please retain a copy).
c) retain all travel tickets and tags for submission if a claim is to be made under this policy.
3. Receipts for items lost, stolen or damaged must be retained as these will help You to substantiate Your claim.
What is not covered
1. The first £100 of each and every claim per incident for each Insured Person but limited to £200 if Family Cover or Single Parent Cover applies.
2. Loss, theft of or damage to Personal Money or Your passport or visa left Unattended at any time (including in a vehicle or in the custody of carriers) unless deposited in a hotel safe, safety deposit box or left in Your locked accommodation.
3. Loss, theft of or damage to travellers cheques if You have not complied with the issuers conditions or where the issuer provides a replacement service.
4. Loss or damage due to delay, confiscation or detention by customs or other authority.
5. Loss or damage due to depreciation in value, variations in exchange rates or shortages due to error or omission.
6. Anything mentioned in the general exclusions on page 12.

Section L - Overseas legal expenses and assistance
What is covered
We will pay up to £15,000 for legal costs to pursue a civil action for compensation if someone else causes You Bodily Injury, illness or death.
Where there are two or more Insured Persons insured by this policy, then the maximum amount payable by Us for all such claims shall not exceed £30,000.
Special conditions relating to claims
1. We shall have complete control over the legal case through agents We nominate, by appointing agents of their choice on Your behalf with the expertise to pursue Your claim.
2. You must follow Our agents advice and provide any information and assistance required within a reasonable timescale.
3. You must advise Us of any offers of settlement made by the negligent third party and You must not accept any such offer without Our consent.
4. We will decide the point at which Your legal case cannot usefully be pursued further. After that no further claims can be made against Us.
5. We may include a claim for Our legal costs and other related expenses.
6. We may, at Our own expense, take proceedings in Your name to recover compensation from any third party in respect of any indemnity paid under this policy. You must give such assistance as We shall
reasonably require and any amount recovered shall belong to Us.
What is not covered
We shall not be liable for:
1. Any claim where in Our opinion there is insufficient prospect of success in obtaining reasonable compensation.
2. Legal costs and expenses incurred in pursuit of any claim against a travel agent, tour operator, carrier, Us, Inter Partner Assistance or their agents, someone You were travelling with, a person related to You, or another Insured Person.
3. Legal costs and expenses incurred prior to Our written acceptance of the case.
4. Any claim where the legal costs and expenses are likely to be greater than the anticipated amount of compensation.
5. Any claim where legal costs and expenses are based directly or indirectly on the amount of compensation awarded (for example a Contingency Fee Agreement).
6. Legal costs and expenses incurred in any claim which is capable of being pursued under a Conditional Fee Agreement.
7. Legal costs and expenses incurred if an action is brought in more than one country.
8. Any claim where in the Our opinion the estimated amount of compensation payment is less than £1,000 for each Insured Person.
9. Travel, accommodation and incidental costs incurred to pursue a civil action for compensation.
10. Costs of any Appeal.
11. Claims occurring within the United Kingdom.
12. Claims by You other than in Your private capacity.
13. Anything mentioned in the general exclusions on page 12.

Section F - Personal money, passport and documents
What is covered
1. We will pay You up to the amounts shown below for the accidental loss of, theft of or damage to Personal Money and documents (including passports, visas, driving licences and green cards). In respect of foreign currency cover is also operative during the 72 hours immediately preceding Your departure on the outward journey.
The maximum We will pay for the following items is:
a) For bank notes currency notes and coins £150.
b) If You are under the age of 16, for bank notes currency notes and coins £50.
c) For all other Personal Money and documents £150.
2. We will pay You up to £300 for reasonable additional travel and accommodation expenses incurred necessarily abroad to obtain a replacement of Your lost or stolen passport or visa.
Special conditions relating to claims
1. You must report to the local Police within 24 hours of discovery and obtain a written report of the loss, theft or attempted theft of all Personal Money, passports or documents.
2. If Personal Money, passports or documents are lost, stolen or damaged while in the care of a carrier, transport company, authority or hotel You must report to them, in writing, details of the loss, theft or damage and obtain written confirmation. If Personal Money, passports or documents are lost, stolen or damaged whilst in the care of an airline You must:
a) obtain a Property Irregularity Report from the airline.
b) give formal written notice of the claim to the airline within the time limit contained in their conditions of carriage (please retain a copy).
c) retain all travel tickets and tags for submission if a claim is to be made under this policy.
3. Receipts for items lost, stolen or damaged must be retained as these will help You to substantiate Your claim.
What is not covered
1. The first £100 of each and every claim per incident for each Insured Person but limited to £200 if Family Cover or Single Parent Cover applies.
2. Loss, theft of or damage to Personal Money or Your passport or visa left Unattended at any time (including in a vehicle or in the custody of carriers) unless deposited in a hotel safe, safety deposit box or left in Your locked accommodation.
3. Loss, theft of or damage to travellers cheques if You have not complied with the issuers conditions or where the issuer provides a replacement service.
4. Loss or damage due to delay, confiscation or detention by customs or other authority.
5. Loss or damage due to depreciation in value, variations in exchange rates or shortages due to error or omission.
6. Anything mentioned in the general exclusions on page 12.

Sections H, I, J, and K - Winter sports
(only operative if indicated in the schedule)
Section H - Ski Equipment
What is covered
We will pay You up to £500 for the accidental loss of, theft of or damage to Your own Ski Equipment, or up to £300 for hired Ski Equipment. The amount payable will be the value at todays prices less a deduction for wear tear and depreciation, (or We may at Our option replace, reinstate or repair the lost or damaged Ski Equipment).
The maximum We will pay for any one article, pair or set of articles is £250.
Special conditions relating to claims
1. You must report to the local Police within 24 hours of discovery and obtain a written report of the loss, theft or attempted theft of all Ski Equipment.
2. If Ski Equipment is lost, stolen or damaged while in the care of a carrier, transport company, authority or hotel You must report to them, in writing, details of the loss, theft or damage and obtain written confirmation. If Ski Equipment is lost, stolen or damaged whilst in the care of an airline You must:
a) obtain a Property Irregularity Report from the airline.
b) give formal written notice of the claim to the airline within the time limit contained in their conditions of carriage (please retain a copy).
c) retain all travel tickets and tags for submission if a claim is to be made under this policy.
3. Receipts for items lost, stolen or damaged must be retained as these will help You to substantiate Your claim.
What is not covered
1. The first £100 of each and every claim per incident for each Insured Person but limited to £200 if Family Cover or Single Parent Cover applies.
2. Loss, theft of or damage to Ski Equipment contained in or stolen from an Unattended vehicle:
a) overnight between 9 p.m. and 9 a.m. (local time) or
b) at any time between 9 a.m. and 9 p.m. (local time) unless it is in the locked boot which is separate from the passenger compartment for those vehicles with a boot, or for those vehicles without a separate boot locked in the vehicle and covered from view.
3. Loss or damage due to delay, confiscation or detention by customs or other authority.
4. Loss or damage caused by wear and tear, depreciation, deterioration, atmospheric or climatic conditions, moth, vermin, any process of cleaning repairing or restoring, mechanical or electrical breakdown.
5. Anything mentioned in the general exclusions on page 12.

Sections H, I, J, and K - Winter sports
(only operative if indicated in the schedule)
Section H - Ski Equipment
What is covered
We will pay You up to £500 for the accidental loss of, theft of or damage to Your own Ski Equipment, or up to £300 for hired Ski Equipment. The amount payable will be the value at todays prices less a deduction for wear tear and depreciation, (or We may at Our option replace, reinstate or repair the lost or damaged Ski Equipment).
The maximum We will pay for any one article, pair or set of articles is £250.
Special conditions relating to claims
1. You must report to the local Police within 24 hours of discovery and obtain a written report of the loss, theft or attempted theft of all Ski Equipment.
2. If Ski Equipment is lost, stolen or damaged while in the care of a carrier, transport company, authority or hotel You must report to them, in writing, details of the loss, theft or damage and obtain written
confirmation. If Ski Equipment is lost, stolen or damaged whilst in the care of an airline You must:
a) obtain a Property Irregularity Report from the airline.
b) give formal written notice of the claim to the airline within the time limit contained in their conditions of carriage (please retain a copy).
c) retain all travel tickets and tags for submission if a claim is to be made under this policy.
3. Receipts for items lost, stolen or damaged must be retained as these will help You to substantiate Your claim.
What is not covered
1. The first £100 of each and every claim per incident for each Insured Person but limited to £200 if Family Cover or Single Parent Cover applies.
2. Loss, theft of or damage to Ski Equipment contained in or stolen from an Unattended vehicle:
a) overnight between 9 p.m. and 9 a.m. (local time) or
b) at any time between 9 a.m. and 9 p.m. (local time) unless it is in the locked boot which is separate from the passenger compartment for those vehicles with a boot, or for those vehicles without a separate boot locked in the vehicle and covered from view.
3. Loss or damage due to delay, confiscation or detention by customs or other authority.
4. Loss or damage caused by wear and tear, depreciation, deterioration, atmospheric or climatic conditions, moth, vermin, any process of cleaning repairing or restoring, mechanical or electrical breakdown.
5. Anything mentioned in the general exclusions on page 12.

Sections H, I, J, and K - Winter sports
(only operative if indicated in the schedule)
Section H - Ski Equipment
What is covered
We will pay You up to £500 for the accidental loss of, theft of or damage to Your own Ski Equipment, or up to £300 for hired Ski Equipment. The amount payable will be the value at todays prices less a deduction for wear tear and depreciation, (or We may at Our option replace, reinstate or repair the lost or damaged Ski Equipment).
The maximum We will pay for any one article, pair or set of articles is £250.
Special conditions relating to claims
1. You must report to the local Police within 24 hours of discovery and obtain a written report of the loss, theft or attempted theft of all Ski Equipment.
2. If Ski Equipment is lost, stolen or damaged while in the care of a carrier, transport company, authority or hotel You must report to them, in writing, details of the loss, theft or damage and obtain written
confirmation. If Ski Equipment is lost, stolen or damaged whilst in the care of an airline You must:
a) obtain a Property Irregularity Report from the airline.
b) give formal written notice of the claim to the airline within the time limit contained in their conditions of carriage (please retain a copy).
c) retain all travel tickets and tags for submission if a claim is to be made under this policy.
3. Receipts for items lost, stolen or damaged must be retained as these will help You to substantiate Your claim.
What is not covered
1. The first £100 of each and every claim per incident for each Insured Person but limited to £200 if Family Cover or Single Parent Cover applies.
2. Loss, theft of or damage to Ski Equipment contained in or stolen from an Unattended vehicle:
a) overnight between 9 p.m. and 9 a.m. (local time) or
b) at any time between 9 a.m. and 9 p.m. (local time) unless it is in the locked boot which is separate from the passenger compartment for those vehicles with a boot, or for those vehicles without a separate boot locked in the vehicle and covered from view.
3. Loss or damage due to delay, confiscation or detention by customs or other authority.
4. Loss or damage caused by wear and tear, depreciation, deterioration, atmospheric or climatic conditions, moth, vermin, any process of cleaning repairing or restoring, mechanical or electrical breakdown.
5. Anything mentioned in the general exclusions on page 12.

Sections H, I, J, and K - Winter sports
(only operative if indicated in the schedule)
Section J - Ski pack
What is covered
We will pay You:
a) Up to £300 for the unused portion of Your ski pack (ski school fees, lift passes and hired Ski Equipment) following Your Bodily Injury or illness.
b) Up to £150 for the unused portion of Your lift pass if lost.
Special conditions relating to claims
1. You must provide written confirmation from a Medical Practitioner that such Bodily Injury or illness prevented You from using Your ski pack.
What is not covered
1. Anything mentioned in the general exclusions on page 12.

Sections H, I, J, and K - Winter sports
(only operative if indicated in the schedule)
Section J - Ski pack
What is covered
We will pay You:
a) Up to £300 for the unused portion of Your ski pack (ski school fees, lift passes and hired Ski Equipment) following Your Bodily Injury or illness.
b) Up to £150 for the unused portion of Your lift pass if lost.
Special conditions relating to claims
1. You must provide written confirmation from a Medical Practitioner that such Bodily Injury or illness prevented You from using Your ski pack.
What is not covered
1. Anything mentioned in the general exclusions on page 12.

Sections H, I, J, and K - Winter sports
(only operative if indicated in the schedule)
Section K - Piste closure
What is covered
We will pay You up to £30 per day, up to a maximum of £600 for the cost of transport organised by the tour operator to an alternative site if lack of snow conditions or avalanche results in the closure of skiing facilities (excluding cross-country skiing) in Your resort and it is not possible to ski. The cover only applies:
a) To the resort which You have pre-booked for a period exceeding 12 hours and for so long as such conditions prevail at the resort, but not exceeding the pre-booked period of Your Trip and
b) To Trips taken outside the United Kingdom during the published ski season for Your resort.
If no alternative sites are available We will pay You compensation of £30 per day up to a maximum of £600.
Special conditions relating to claims
1. You must obtain written confirmation from the tour operator (or their representative) of the number of days skiing facilities were closed in Your resort and the reason for the closure.
What is not covered
1. Anything mentioned in the general exclusions on page 12.

Sections H, I, J, and K - Winter sports
(only operative if indicated in the schedule)
Section K - Piste closure
What is covered
We will pay You up to £30 per day, up to a maximum of £600 for the cost of transport organised by the tour operator to an alternative site if lack of snow conditions or avalanche results in the closure of skiing facilities (excluding cross-country skiing) in Your resort and it is not possible to ski. The cover only applies:
a) To the resort which You have pre-booked for a period exceeding 12 hours and for so long as such conditions prevail at the resort, but not exceeding the pre-booked period of Your Trip and
b) To Trips taken outside the United Kingdom during the published ski season for Your resort.
If no alternative sites are available We will pay You compensation of £30 per day up to a maximum of £600.
Special conditions relating to claims
1. You must obtain written confirmation from the tour operator (or their representative) of the number of days skiing facilities were closed in Your resort and the reason for the closure.
What is not covered
1. Anything mentioned in the general exclusions on page 12.

Sections H, I, J, and K - Winter sports
(only operative if indicated in the schedule)
Section K - Piste closure
What is covered
We will pay You up to £30 per day, up to a maximum of £600 for the cost of transport organised by the tour operator to an alternative site if lack of snow conditions or avalanche results in the closure of skiing facilities (excluding cross-country skiing) in Your resort and it is not possible to ski. The cover only applies:
a) To the resort which You have pre-booked for a period exceeding 12 hours and for so long as such conditions prevail at the resort, but not exceeding the pre-booked period of Your Trip and
b) To Trips taken outside the United Kingdom during the published ski season for Your resort.
If no alternative sites are available We will pay You compensation of £30 per day up to a maximum of £600.
Special conditions relating to claims
1. You must obtain written confirmation from the tour operator (or their representative) of the number of days skiing facilities were closed in Your resort and the reason for the closure.
What is not covered
1. Anything mentioned in the general exclusions on page 12.

Sections H, I, J, and K - Winter Sports
(only operative if indicated in the schedule)
Section I-Hire of Ski Equipment
What is covered
We will pay You up to £30 per day, up to a maximum of £300 for the reasonable cost of hiring replacement Ski Equipment as a result of the accidental loss of, theft of or damage to or temporary loss in transit for more than 24 hours of Your own Ski Equipment.
Special conditions relating to claims
1. You must report to the local Police within 24 hours of discovery and obtain a written report of the loss, theft or attempted theft of Your own Ski Equipment.
2. If Ski Equipment is lost, stolen or damaged while in the care of a carrier, transport company, authority or hotel You must report to them, in writing, details of the loss, theft or damage and obtain written confirmation. If Ski Equipment is lost, stolen or damaged whilst in the care of an airline You must:
a) obtain a Property Irregularity Report from the airline.
b) give formal written notice of the claim to the airline within the time limit contained in their conditions of carriage (please retain a copy).
c) retain all travel tickets and tags for submission if a claim is to be made under this policy.
3. Receipts for items lost, stolen or damaged must be retained as these will help You substantiate Your claim.
What is not covered
1. Loss, theft of or damage to Ski Equipment contained in or stolen from an Unattended vehicle:
a) overnight between 9 p.m. and 9 a.m. (local time) or
b) at any time between 9 a.m. and 9 p.m. (local time) unless it is in the locked boot which is separate from the passenger compartment for those vehicles with a boot, or for those vehicles without a separate boot locked in the vehicle and covered from view.
2. Loss or damage due to delay, confiscation or detention by customs or other authority.
3. Loss or damage caused by wear and tear, depreciation, deterioration, atmospheric or climatic conditions, moth, vermin, any process of cleaning repairing or restoring, mechanical or electrical breakdown.
4. Anything mentioned in the general exclusions on page 12.

Sections H, I, J, and K - Winter Sports
(only operative if indicated in the schedule)
Section I-Hire of Ski Equipment
What is covered
We will pay You up to £30 per day, up to a maximum of £300 for the reasonable cost of hiring replacement Ski Equipment as a result of the accidental loss of, theft of or damage to or temporary loss in transit for more than 24 hours of Your own Ski Equipment.
Special conditions relating to claims
1. You must report to the local Police within 24 hours of discovery and obtain a written report of the loss, theft or attempted theft of Your own Ski Equipment.
2. If Ski Equipment is lost, stolen or damaged while in the care of a carrier, transport company, authority or hotel You must report to them, in writing, details of the loss, theft or damage and obtain written confirmation. If Ski Equipment is lost, stolen or damaged whilst in the care of an airline You must:
a) obtain a Property Irregularity Report from the airline.
b) give formal written notice of the claim to the airline within the time limit contained in their conditions of carriage (please retain a copy).
c) retain all travel tickets and tags for submission if a claim is to be made under this policy.
3. Receipts for items lost, stolen or damaged must be retained as these will help You substantiate Your claim.
What is not covered
1. Loss, theft of or damage to Ski Equipment contained in or stolen from an Unattended vehicle:
a) overnight between 9 p.m. and 9 a.m. (local time) or
b) at any time between 9 a.m. and 9 p.m. (local time) unless it is in the locked boot which is separate from the passenger compartment for those vehicles with a boot, or for those vehicles without a separate boot locked in the vehicle and covered from view.
2. Loss or damage due to delay, confiscation or detention by customs or other authority.
3. Loss or damage caused by wear and tear, depreciation, deterioration, atmospheric or climatic conditions, moth, vermin, any process of cleaning repairing or restoring, mechanical or electrical breakdown.
4. Anything mentioned in the general exclusions on page 12.

Section E - Baggage (only operative if indicated in the schedule)
What is covered
1. We will pay You up to the amounts shown below for the accidental loss of, theft of or damage to:
a) Baggage £500
The amount payable will be the value at todays prices less a deduction for wear tear and depreciation, (or We may at Our option replace, reinstate or repair the lost or damaged Baggage).
The maximum We will pay for the following items is:
a) for any one article, pair or set of articles £150.
b) the total for all Valuables £150.
2. We will also pay You the amounts shown below:
a) up to £100 for the emergency replacement of clothing, medication and toiletries and if the Baggage is temporarily lost in transit during the outward journey and not returned to You within 12 hours, provided written confirmation is obtained and sent to Us from the carrier, confirming the number of hours the Baggage was delayed. If the loss is permanent the amount paid will be deducted from the final amount to be paid under this section.
Special conditions relating to claims
1. You must report to the local Police within 24 hours of discovery and obtain a written report of the loss, theft or attempted theft of all Baggage.
2. If Baggage is lost, stolen or damaged while in the care of a carrier, transport company, authority or hotel You must report to them, in writing, details of the loss, theft or damage and obtain written confirmation. If Baggage is lost, stolen or damaged whilst in the care of an airline You must:
a) obtain a Property Irregularity Report from the airline.
b) give formal written notice of the claim to the airline within the time limit contained in their conditions of carriage (please retain a copy).
c) retain all travel tickets and tags for submission if a claim is to be made under this policy.
3. Receipts for items lost, stolen or damaged must be retained as these will help You to substantiate Your claim.
What is not covered
1. The first £100 of each and every claim per incident for each Insured Person (except claims under subsection 2. a), 2.b) and 2. c) on the previous page) but limited to £150 if Family Cover or Single Parent Cover applies.
2. Loss, theft of or damage to Valuables left Unattended at any time (including in a vehicle or in the custody of carriers) unless deposited in a hotel safe, safety deposit box or left in Your locked accommodation.
3. Loss, theft of or damage to Baggage contained in an Unattended vehicle:
a) overnight between 9 p.m. and 9 a.m. (local time) or
b) at any time between 9 a.m. and 9 p.m. (local time) unless it is in the locked boot which is separate from the passenger compartment for those vehicles with a boot, or for those vehicles without a separate boot locked in the vehicle and covered from view.
4. Loss or damage due to delay, confiscation or detention by customs or other authority.
5. Loss, theft of or damage to unset precious stones, contact or corneal lenses, hearing aids, dental or medical fittings, antiques, musical instruments, deeds, manuscripts, securities, perishable goods, bicycles,
Golf Equipment, Ski Equipment and damage to suitcases (unless the suitcases are entirely unusable as a result of one single incidence of damage).
6. Loss or damage due to cracking, scratching, breakage of or damage to china, glass (other than glass in watch faces, cameras, binoculars or telescopes), porcelain or other brittle or fragile articles unless caused by fire, theft, or accident to the aircraft, sea vessel, train or vehicle in which they are being carried.
7. Loss or damage due to breakage of sports equipment or damage to sports clothing whilst in use.
8. Loss, theft of or damage to business goods, samples, tools of trade, motor accessories and other Items used in connection with Your business, trade, profession or occupation.
9. Loss or damage caused by wear and tear, depreciation, deterioration, atmospheric or climatic conditions, moth, vermin, any process of cleaning repairing or restoring, mechanical or electrical breakdown.
10. Anything mentioned in the general exclusions on page 12.

Section E - Baggage (only operative if indicated in the schedule)
What is covered
1. We will pay You up to the amounts shown below for the accidental loss of, theft of or damage to:
a) Baggage £500
The amount payable will be the value at todays prices less a deduction for wear tear and depreciation, (or We may at Our option replace, reinstate or repair the lost or damaged Baggage).
The maximum We will pay for the following items is:
a) for any one article, pair or set of articles £150.
b) the total for all Valuables £150.
2. We will also pay You the amounts shown below:
a) up to £100 for the emergency replacement of clothing, medication and toiletries and if the Baggage is temporarily lost in transit during the outward journey and not returned to You within 12 hours, provided written confirmation is obtained and sent to Us from the carrier, confirming the number of hours the Baggage was delayed. If the loss is permanent the amount paid will be deducted from the final amount to be paid under this section.
Special conditions relating to claims
1. You must report to the local Police within 24 hours of discovery and obtain a written report of the loss, theft or attempted theft of all Baggage.
2. If Baggage is lost, stolen or damaged while in the care of a carrier, transport company, authority or hotel You must report to them, in writing, details of the loss, theft or damage and obtain written confirmation. If Baggage is lost, stolen or damaged whilst in the care of an airline You must:
a) obtain a Property Irregularity Report from the airline.
b) give formal written notice of the claim to the airline within the time limit contained in their conditions of carriage (please retain a copy).
c) retain all travel tickets and tags for submission if a claim is to be made under this policy.
3. Receipts for items lost, stolen or damaged must be retained as these will help You to substantiate Your claim.
What is not covered
1. The first £100 of each and every claim per incident for each Insured Person (except claims under subsection 2. a), 2.b) and 2. c) on the previous page) but limited to £150 if Family Cover or Single Parent Cover applies.
2. Loss, theft of or damage to Valuables left Unattended at any time (including in a vehicle or in the custody of carriers) unless deposited in a hotel safe, safety deposit box or left in Your locked accommodation.
3. Loss, theft of or damage to Baggage contained in an Unattended vehicle:
a) overnight between 9 p.m. and 9 a.m. (local time) or
b) at any time between 9 a.m. and 9 p.m. (local time) unless it is in the locked boot which is separate from the passenger compartment for those vehicles with a boot, or for those vehicles without a separate boot locked in the vehicle and covered from view.
4. Loss or damage due to delay, confiscation or detention by customs or other authority.
5. Loss, theft of or damage to unset precious stones, contact or corneal lenses, hearing aids, dental or medical fittings, antiques, musical instruments, deeds, manuscripts, securities, perishable goods, bicycles,
Golf Equipment, Ski Equipment and damage to suitcases (unless the suitcases are entirely unusable as a result of one single incidence of damage).
6. Loss or damage due to cracking, scratching, breakage of or damage to china, glass (other than glass in watch faces, cameras, binoculars or telescopes), porcelain or other brittle or fragile articles unless caused by fire, theft, or accident to the aircraft, sea vessel, train or vehicle in which they are being carried.
7. Loss or damage due to breakage of sports equipment or damage to sports clothing whilst in use.
8. Loss, theft of or damage to business goods, samples, tools of trade, motor accessories and other Items used in connection with Your business, trade, profession or occupation.
9. Loss or damage caused by wear and tear, depreciation, deterioration, atmospheric or climatic conditions, moth, vermin, any process of cleaning repairing or restoring, mechanical or electrical breakdown.
10. Anything mentioned in the general exclusions on page 12.

Section A - Cancellation or curtailment charge (only operative if indicated in the schedule)
What is covered
We will pay You up to £1,500 for any irrecoverable unused travel and accommodation costs (including excursions up to £250) and other pre-paid charges which You have paid or are contracted to pay together
with any reasonable additional travel expenses incurred if
a) cancellation of the Trip is necessary and unavoidable or
b) the Trip is Curtailed before completion as a result of any of the following events occurring:
1. The death, Bodily Injury or illness of:
a) You
b) any person with whom You are travelling or have arranged to travel with
c) any person with whom You have arranged to reside temporarily
d) Your Close Relative
2. Compulsory quarantine, jury service attendance or being called as a witness at a Court of Law of You or any person with whom You are travelling or have arranged to travel with.
3. Redundancy (provided employment has been on a continuous full time basis with the same employer for at least 24 months and qualifies for payment under current United Kingdom redundancy payment legislation and at the time of booking the Trip there was no reason to believe anyone would be made redundant) of You or any person with whom You are travelling or have arranged to travel with.
4. You or any person with whom You are travelling or have arranged to travel with are a member of the Armed Forces, Police, Fire, Nursing or Ambulance Services or employees of a Government Department and have Your/their authorised leave cancelled for operational reasons, provided that such cancellation or Curtailment could not reasonably have been expected at the time this insurance is purchased by You.
5. The Police requesting You to remain at or return to Your Home due to serious damage to Your Home caused by fire, aircraft, explosion, storm, flood, subsidence, malicious persons or theft.
You may claim only under section A - Cancellation or curtailment charges or section M - Independent travellers cover for the same event, not both.
Special conditions relating to claims
1. You must obtain a medical certificate from the Medical Practitioner in attendance and prior approval of AXA Assistance to confirm the necessity to either:
a) Return Home prior to Curtailment of the Trip due to death, Bodily Injury or illness, or
b) Remain in hospital for the rest of the Trip due to Bodily Injury or illness.
2. If You fail to notify the travel agent, tour operator or provider of transport/accommodation immediately it is found necessary to cancel the Trip Our liability shall be restricted to the cancellation charges that would have applied had failure not occurred.
3. If You cancel the Trip due to Bodily Injury or illness You must provide a medical certificate from a Medical Practitioner stating that this necessarily and reasonably prevented You from travelling.
What is not covered
1. The first £100 of each and every claim per incident for each Insured Person but limited to £200 in all if Family Cover or Single Parent Cover applies.
2. The cost of Airport Departure Duty.
3. Any claims arising directly or indirectly from:
a) Redundancy caused by or resulting from misconduct leading to dismissal or from resignation or voluntary redundancy or where a warning or notification of redundancy was given prior to the date this insurance is purchased by You or the time of booking any Trip.
b) Circumstances known to You prior to the date this insurance is purchased by You or at the time of booking any Trip which could reasonably have been expected to give rise to cancellation or Curtailment of the Trip.
4. Travel tickets paid for using any airline mileage reward scheme, for example Air Miles.
5. Stress, anxiety, depression or any other mental or nervous disorder that You are suffering from unless it has been investigated and diagnosed as such by a consultant specialising in the relevant field.
6. Anything mentioned in the general exclusions on page 12.
You should also refer to the Important conditions relating to health on page 11.

Section G - Personal liability
What is covered
We will pay up to £2,000,000 (inclusive of legal costs and expenses) against any amount You become legally liable to pay as compensation for any claim or series of claims arising from any one event or source of original cause in respect of accidental:
1. Bodily Injury, death, illness or disease to any person who is not in Your employment or who is not a Close Relative or member of Your household.
2. Loss of or damage to property that does not belong to and is neither in the charge of or under the control of You, a Close Relative, anyone in Your employment or any member of Your household other than any
temporary holiday accommodation occupied (but not owned) by You.
Special conditions relating to claims
1. You must give Us written notice as soon as possible of any incident, which may give rise to a claim.
2. You must forward every letter, writ, summons and process to Us as soon as You receive it.
3. You must not admit any liability or pay, offer to pay, promise to pay or negotiate any claim without Our written consent.
4. We will be entitled if We so desire to take over and conduct in Your name the defence of any claims for indemnity or damages or otherwise against any third party. We shall have full discretion in the conduct of
any negotiation or proceedings or in the settlement of any claim and You shall give Us all necessary information and assistance which We may require.
5. In the event of Your death, Your legal representative(s) will have the protection of this cover provided that such representative(s) comply(ies) with the terms and conditions outlined in this policy.
What is not covered
1. Compensation or legal costs arising directly or indirectly from:
a) Liability which has been assumed by You under agreement unless the liability would have attached in the absence of such agreement.
b) Pursuit of any business, trade, profession or occupation or the supply of goods or services.
c) Ownership possession or use of vehicles aircraft or watercraft (other than surfboards or manually propelled rowboats, punts, canoes).
d) The transmission of any communicable disease or virus.
e) Ownership or occupation of land or buildings (other than occupation only of any temporary holiday accommodation where We will not pay for the first £200 of each and every claim arising from the same incident).
2. Anything mentioned in the general exclusions on page 12.

General exclusions applicable to all sections of the policy
We will not pay for claims arising directly or indirectly from:
1. War, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, Terrorism, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power but this exclusion shall not apply to losses under section B - Emergency medical and other expenses, section C - Hospital benefit, section D - Personal accident and section M - Independent travellers cover (if applicable) unless such losses are caused by nuclear, chemical or biological attack, or the disturbances were already taking place at the beginning of any Trip.
2. Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste, from combustion of nuclear fuel, the radioactive, toxic, explosive or other hazardous properties of any nuclear assembly or nuclear component of such assembly.
3. Loss, destruction or damage directly occasioned by pressure waves caused by aircraft and other aerial devices travelling at sonic or supersonic speeds.
4. The failure or fear of failure or inability of any equipment or any computer programme, whether or not You own it, to recognise or to interpret correctly or process any date as its true calendar date, or to continue to function correctly beyond that date.
5. Your pursuit of winter sports unless sections H, I, J and K are shown as operative in Your schedule, in which case cover will apply to:
a. the winter sports shown in the list on page 15.
b. any other winter sports shown as covered in Your schedule.
6. Your participation in or practice of any other sport or activity, manual work or racing unless:
a. shown as covered without charge in the list on page 14 and 15 or
b. shown as covered in Your schedule
7. Your participation in hazardous work, professional entertaining or professional sports
8. Your use of a motorised vehicle unless a full United Kingdom driving licence is held permitting the use of such vehicles in the United Kingdom.
9. Your wilfully, self-inflicted injury or illness, suicide or attempted suicide, sexually transmitted diseases, solvent abuse, alcohol abuse, the use of drugs (other than drugs taken in accordance with treatment prescribed and directed by a Medical Practitioner, but not for the treatment of drug addiction), self-exposure to needless peril (except in an attempt to save human life).
10. Your own unlawful action or any criminal proceedings against You.
11. Consequential loss of any kind (for example the replacement of locks following loss of keys).
12. Operational duties of a member of the Armed Forces.
13. Your travel to a country or specific area or event to which the Travel Advice Unit of the Foreign & Commonwealth Office or the World Health Organisation has advised the public not to travel.

General exclusions applicable to all sections of the policy
We will not pay for claims arising directly or indirectly from:
1. War, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, Terrorism, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power but this exclusion shall not apply to losses under section B - Emergency medical and other expenses, section C - Hospital benefit, section D - Personal accident and section R - Independent travellers cover (if applicable) unless such losses are caused by nuclear, chemical or biological attack, or the disturbances were already taking place at the beginning of any Trip.

General exclusions applicable to all sections of the policy
We will not pay for claims arising directly or indirectly from:
1. War, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, Terrorism, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power but this exclusion shall not apply to losses under section B - Emergency medical and other expenses, section C - Hospital benefit, section D - Personal accident and section R - Independent travellers cover (if applicable) unless such losses are caused by nuclear, chemical or biological attack, or the disturbances were already taking place at the beginning of any Trip.

General exclusions applicable to all sections of the policy
We will not pay for claims arising directly or indirectly from:
4. The failure or fear of failure or inability of any equipment or any computer programme, whether or not You own it, to recognise or to interpret correctly or process any date as its true calendar date, or to continue to function correctly beyond that date.

Claims conditions
You must comply with the following conditions to have the full protection of Your policy.
If You do not comply We may at Our option cancel the policy or refuse to deal with Your claim or reduce the amount of any claim payment.
1. Claims
You must notify Us preferably by phone at the address given below, depending on the type of claim: All claims except legal expenses AXA Assistance Claims Centre PO Box 54098 London SW20 8UU
Tel: 0845 271 4466
Legal expenses only
AXA Assistance The Quadrangle 106/118 Station Road Redhill Surrey RH1 1PX
Tel: 01737 815084
The notification must be made within 31 days or as soon as possible thereafter following any Bodily Injury, illness, disease, incident, event, redundancy or the discovery of any loss, theft or damage which may give rise to a claim under this policy.
You must also inform Us if You are aware of any writ, summons or impending prosecution. Every communication relating to a claim must be sent to Us without delay. You or anyone acting on Your behalf must not negotiate admit or repudiate any claim without Our written consent. You or Your legal representatives must supply at Your own expense all information, evidence, details of household insurance and medical
certificates as required by us. We reserve the right to require You to undergo an independent medical examination at Our expense.
We may also request and will pay for a post-mortem examination.
You must retain any property which is damaged, and, if requested, send it to Us at Your own expense. If We pay a claim for the full value of the property and it is subsequently recovered or there is any salvage then it will become Our property. We may refuse to reimburse You for any expenses for which You cannot provide receipts or bills.
2. Subrogation
We are entitled to take over any rights in the defence or settlement of any claim and to take proceedings in Your name for Our benefit against any other party.
3. Fraud
You must not act in a fraudulent manner.
If You or anyone acting for You
a) Make a claim under the policy knowing the claim to be false or fraudulently exaggerated in any respect or
b) Make a statement in support of a claim knowing the statement to be false in any respect or
c) Submit a document in support of a claim knowing the document to be forged or false in any respect or
d) Make a claim in respect of any loss or damage caused by Your wilful act or with Your connivance
Then
a) We shall not pay the claim
b) We shall not pay any other claim which has been or will be made under the policy
c) We may at Our option declare the policy void
d) We shall be entitled to recover from You the amount of any claim already paid under the policy
e) We shall not make any return of premium
f) We may inform the police of the circumstances.

General conditions applicable to the whole policy
You must comply with the following conditions to have the full protection of Your policy.
If You do not comply We may at Our option cancel the policy or refuse to deal with Your claim or reduce the amount of any claim payment.
1. Dual insurance
If at the time of any incident which results in a claim under this policy, there is another insurance covering the same loss, damage, expense or liability We will not pay more than Our proportional share (not applicable to section D - Personal accident).
2. Reasonable precautions
You must take and cause to be taken all reasonable precautions to avoid injury, illness, disease, loss, theft or damage and take and cause to be taken all practicable steps to safeguard Your property from loss or damage and to recover property lost or stolen.
3. Cancellation
Statutory Cancellation Rights
You may cancel this policy within 15 days of receipt of the policy documents (new business) or for annual policies the renewal date (the Cancellation Period) by writing to the address below/shown in Your schedule during the Cancellation Period. Any premium already paid will be refunded to You providing You have not travelled and no claim has been made or is intended to be made and no incident likely to give rise to a claim has occurred. Securance Ltd Unit 6 Green Lane Business Park Green Lane Eltham London SE9 3TL
Cancellation Outside The Statutory Period
You may cancel this policy at any time after the Cancellation Period by writing to the address above/shown in Your schedule. If You cancel after the Cancellation Period no premium refund will be made.
We reserve the right to cancel the policy by providing 21 days notice by registered post to Your last known address. No refund of premium will be made.
Non payment of premiums
We reserve the right to cancel this policy immediately in the event of non payment of the premium.

Reciprocal health agreements
EU, EEA or Switzerland
If You are travelling to countries within the European Union (EU), the European Economic Area (EEA) or Switzerland You are strongly advised to obtain a European Health Insurance Card (EHIC) postal application from Your local Post Office. You can also apply either online through www.dh.gov.uk/ travellers or by telephoning 0845 606 2030. This will entitle You to benefit from the reciprocal health care arrangements which exist between countries within the EU/ EEA or Switzerland. In the event of liability being accepted for a medical expense which has been reduced by the use of either, a European Health Insurance Card or private health insurance, We will not apply the deduction of excess under section B - Emergency medical and other expenses.