Staysure.co.uk Basics

Emergency medical and associated expenses -Section 2
If you are taken into hospital or you think you may have to come home early or extend your journey because of illness or accident, or if your medical expenses are over £250 we must be told immediately - see under the heading 24-hour emergency medical assistance on page 5 for more information.
WHAT YOU ARE COVERED FOR
We will pay you or your legal representatives for the following necessary emergency expenses if you die, were injured or taken ill during your journey.
1 Overseas cover
Up to £10 million in total for reasonable fees or charges you incur for:
- Treatment
medical, surgical, medication costs, hospital, nursing home or nursing services.
- Transport and accommodation
reasonable extra transport and accommodation costs for you and any one other person who stays or travels with you or to you from the UK medical advice.
- Funeral expenses
the reasonable cost of transporting your body or ashes to your home we will pay up to £1,500 for your funeral expenses, in the place where you die outside the UK.
- Search and rescue
mountain search and rescue services when deemed medically necessary.
We will also pay:
- In-patient benefit
£25 for each 24-hour period that you are in hospital as an in-patient up to £800 in total during the journey as well as any fees or charges paid under Treatment.
- Dental
Up to £200 for emergency dental treatment to relieve sudden pain or, in the instance of dentures of orthodontic appliances, to relieve distress in eating.
- Excursions
Up to £150 in total for your excursions that have been paid for before
your journey began and that cannot be recovered from anywhere else, you get written advice from a doctor that you cannot go on them, because of an injury or illness during your journey.
2 UK cover
Up to £1,000 for:
- Transport and accommodation
Reasonable extra transport and accommodation costs for you and any one other person who stays or travels with you or to you from within the UK on medical advice; and the reasonable cost of transporting your
ashes or body home.Under 1 Overseas cover except In-patient benefit and Excursions and under 2 UK cover
An excess of £65, unless your claim is reduced because you used an European Health Insurance Card or any other reciprocal health arrangement (see Reciprocal health arrangements on page 10 for more
information).
The cost of replacing any medication you were using when you began your journey.
Under 1 Overseas cover and under 2 UK cover
Any condition stated under Health declaration and health exclusions on pages 11-14.
Extra transport and accommodation costs which are of a higher standard to those already used on your journey, unless we agree.
Anything caused by:
- you travelling in an aircraft (except as a passenger in a fully-licensed, passenger-carrying aircraft);
- your suicide, self-injury or deliberately putting yourself at risk (unless you were trying to save another person´s life);
- you being under the influence of drugs (except those prescribed by a doctor but not for the treatment of drug addiction);
- the direct or indirect effect of you using alcohol or solvents;
- you travelling on a motorcycle, unless the rider holds an appropriate valid licence and all persons insured are wearing crash helmets;
- you taking part in any hazardous activity or winter sports unless shown on your certificate.
Claims relating to pregnancy or childbirth, where the pregnancy is more than:
- 24 weeks at the end of a journey outside of Europe; or
- 28 weeks at the end of a journey within Europe;
Any costs incurred 12 months after the date of your death, injury or illness.
Any costs for taxi fares and telephone calls (including mobile calls) resulting from an incident claimed for under this section.
Under 1 Overseas cover - Treatment
Services or treatments you receive within the UK.
Services or treatments you receive which the doctor in attendance and we think can wait until you get back to the UK.
Medical costs over £250, in-patient treatment or repatriation which we have not authorised.
The extra costs of having a single or private room in a hospital or nursing home.
The cost of all treatment which is not directly related to the illness or injury that caused the claim.
Under 1 Overseas cover - Funeral expenses
Your burial or cremation within the UK.
Under 1 Overseas cover - Dental
Replacing or repairing false teeth or artificial teeth such as crowns, other than to relieve distress in eating.
Dental work involving the use of precious metals.
WHAT YOU ARE NOT COVERED FOR
Please refer to Sections General exclusions, Conditions and Making a claim that also apply.

Emergency medical and associated expenses -Section 2
If you are taken into hospital or you think you may have to come home early or extend your journey because of illness or accident, or if your medical expenses are over £250 we must be told immediately - see under the heading 24-hour emergency medical assistance on page 5 for more information.
WHAT YOU ARE COVERED FOR
We will pay you or your legal representatives for the following necessary emergency expenses if you die, were injured or taken ill during your journey.
We will also pay:
- In-patient benefit
£25 for each 24-hour period that you are in hospital as an in-patient up to £800 in total during the journey as well as any fees or charges paid under Treatment.

Emergency medical and associated expenses -Section 2
If you are taken into hospital or you think you may have to come home early or extend your journey because of illness or accident, or if your medical expenses are over £250 we must be told immediately - see under the heading 24-hour emergency medical assistance on page 5 for more information.
WHAT YOU ARE COVERED FOR
We will pay you or your legal representatives for the following necessary emergency expenses if you die, were injured or taken ill during your journey.
- Dental
Up to £200 for emergency dental treatment to relieve sudden pain or, in the instance of dentures of orthodontic appliances, to relieve distress in eating.

Emergency medical and associated expenses -Section 2
If you are taken into hospital or you think you may have to come home early or extend your journey because of illness or accident, or if your medical expenses are over £250 we must be told immediately - see under the heading 24-hour emergency medical assistance on page 5 for more information.
WHAT YOU ARE COVERED FOR
We will pay you or your legal representatives for the following necessary emergency expenses if you die, were injured or taken ill during your journey.
- Funeral expenses
the reasonable cost of transporting your body or ashes to your home we will pay up to £1,500 for your funeral expenses, in the place where you die outside the UK.

Emergency medical and associated expenses -Section 2
If you are taken into hospital or you think you may have to come home early or extend your journey because of illness or accident, or if your medical expenses are over £250 we must be told immediately - see under the heading 24-hour emergency medical assistance on page 5 for more information.
WHAT YOU ARE COVERED FOR
We will pay you or your legal representatives for the following necessary emergency expenses if you die, were injured or taken ill during your journey.
- Funeral expenses
the reasonable cost of transporting your body or ashes to your home we will pay up to £1,500 for your funeral expenses, in the place where you die outside the UK.

24-hour emergency medical assistance
Please tell us immediately about any serious illness or accident abroad where you have to go into hospital or you may have to return home early or extend your stay because of any illness or injury. If you are unable to do this because the condition is life, limb, sight or organ threatening, you should contact us as soon as you can. You must also tell us if your medical expenses are over £250. If you are claiming for a minor illness or accident you should, where possible, pay the costs and reclaim the money from us when you return. You can call 24 hours a day 365 days a year or email.
Please give us your age and your policy number. Say that you are insured with Staysure.co.uk travel insurance.
Below are some of the ways the 24-hour emergency medical assistance service can help.
Confirmation of payment
We will contact hospitals or doctors abroad and guarantee to pay their fees, providing you have a valid claim.
Repatriation
If our medical advisers think it would be in your medical interests to bring you back to your home or to a hospital or nursing home in the UK, you will normally be transferred by regular airline or road ambulance. Where medically necessary in very serious or urgent cases, we will use an air ambulance. We will consult the treating doctor and our medical advisers first. If you need to go home early, the treating doctor must provide a certificate confirming that you are fit to travel. Without this the airline can refuse to carry any sick or injured person.
You can contact us at any time day or night. You will be answered by one of our experienced assistance co-ordinators who you should give all relevant information to. Please make sure you have details of your policy before you phone.
From outside the UK phone +44 20 8666 9305
Fax +44 20 8603 0204 Textphone +44 20 8666 9562
From within the UK phone 020 8666 9305
Fax 020 8603 0204 Textphone 020 8666 9562
email international_dept@mondial-assistance.co.uk

Personal possessions - Section 5
WHAT YOU ARE COVERED FOR
Your certificate will show the level of cover that applies for this section.
Up to £200 in total (£2,000 in total when the extra possessions cover premium has been paid) for your personal possessions (this does not include ski equipment, golf equipment, wedding rings, wedding gifts and wedding attire) damaged, stolen, lost or destroyed on your journey.
The most we will pay for valuables is £100 in total (£300 in total if you are aged 18 or over and the extra possessions cover premium has been paid) whether jointly owned or not. There is also a single article, pair or set limit of £100 in total (£300 when the extra possessions cover premium has been paid) where you are able provide the original receipt, valuation or proof of ownership.
Note
It will be our decision to pay either:
- the cost of repairing your items;
- to replace your belongings with equivalent items; or
- the cost of replacing your items. An amount for wear, tear and loss of value will be deducted.
WHAT YOU ARE NOT COVERED FOR
An excess of £65.
More than the part of the pair or set that is stolen, lost or destroyed.
No more than £50 for a single article, pair or set (£100 in total or £250 in total when the extra possessions cover premium has been paid) if you cannot provide the original receipt, valuation or proof of ownership.
No more than £50 in total for cigarettes and alcohol products.
No more than £100 in total (£150 in total when the extra possessions cover premium has been paid) for sunglasses or spectacles.
Breakage of or damage to:
sports equipment while it is being used, fragile articles, audio, video, computer, television, fax and phone equipment.
Loss or damage due to the climate, wear and tear, loss in value, process of cleaning, moths or vermin.
The cost of replacing or repairing false teeth.
A claim for more than one mobile phone per person insured.
Loss or theft of, or damage to the following.
Items for which you are unable to provide a receipt or other proof of purchase
Films, tapes, cassettes, computer games, electronic games, mini-discs, DVDs,video and audio tapes, cartridges or discs, unless they were pre-recorded, in which case we will pay up to the replacement cost.
Goods which deteriorate, bottles or cartons, and any damage caused by these items or their contents.
Valuables left in a motor vehicle.
Valuables carried in suitcases, trunks or similar containers unless they are on your person all the time.
Valuables unless they are on your person or locked in a safe or safety deposit box (if one is available) or locked in the accommodation you are using on your journey.
Contact or corneal lenses, unless following fire or theft.
Bonds, share certificates, guarantees or documents of any kind.
Personal possessions unless they are on your person, locked in the accommodation you are using on your journey or they are out of sight in the locked boot or covered luggage area of a locked motor vehicle (no cover for valuables).
Personal money (please see section 6).
- Passport (please see section 3).
Please refer to Sections General exclusions,
Conditions and Making a claim that also apply.

Personal travel assistance
We will assist on the following aspects relating to your journey by calling our 24-hour helpline 365 days a year.
Phone +44 (0)20 8666 9275 Textphone +44 (0)20 8666 9562
Information about your destination
Provide you with information about the visas and vaccinations you may need for your journey and for general information such as the safety of drinking water, tipping, opening hours of banks and shops at your
destination and the reciprocal health arrangements.
We will also provide contact details of local medical clinics, dentists and hospitals.
Transfer of emergency funds
Provide you with details of how to arrange for funds to be transferred to you in overseas.
Message relay
At your request, we will relay up to three messages to your relatives, friends or business associates, to advise of delays in your travel arrangements.
Replacement medication
Provide you with details of how to obtain replacement medication locally, if your original supplies are lost, stolen or damage during your journey.
Replacement medication
Provide you with details on how to obtain replacement medication locally, if your original supplies are lost, stolen or damage during your journey.
Tracing lost items
Where your personal possessions are lost in transit, we will contact the carrier on your behalf and at your request, to make enquiries in locating your items.
Replacement travel documents
Provide you with details on how to obtain replacement travel documents, including names and addresses of embassies / consulate and travel agents, if your original documents are lost, stolen or damage during your journey.

24-hour emergency medical assistance
Please tell us immediately about any serious illness or accident abroad where you have to go into hospital or you may have to return home early or extend your stay because of any illness or injury. If you are unable to do this because the condition is life, limb, sight or organ threatening, you should contact us as soon as you can. You must also tell us if your medical expenses are over £250. If you are claiming for a minor illness or accident you should, where possible, pay the costs and reclaim the money from us when you return. You can call 24 hours a day 365 days a year or email.
Please give us your age and your policy number. Say that you are insured with Staysure.co.uk travel insurance.
Below are some of the ways the 24-hour emergency medical assistance service can help.
Confirmation of payment
We will contact hospitals or doctors abroad and guarantee to pay their fees, providing you have a valid claim.
Repatriation
If our medical advisers think it would be in your medical interests to bring you back to your home or to a hospital or nursing home in the UK, you will normally be transferred by regular airline or road ambulance. Where medically necessary in very serious or urgent cases, we will use an air ambulance. We will consult the treating doctor and our medical advisers first. If you need to go home early, the treating doctor must provide a certificate confirming that you are fit to travel. Without this the airline can refuse to carry any sick or injured person.
You can contact us at any time day or night. You will be answered by one of our experienced assistance co-ordinators who you should give all relevant information to. Please make sure you have details of your policy before you phone.
From outside the UK phone +44 20 8666 9305
Fax +44 20 8603 0204 Textphone +44 20 8666 9562
From within the UK phone 020 8666 9305
Fax 020 8603 0204 Textphone 020 8666 9562
email international_dept@mondial-assistance.co.uk

Hazardous activity
We may be able to cover you for other activities that are not listed. Please contact Staysure.co.uk travel insurance on 0870 046 4560 email info@staysure.co.uk. An extra premium may need to be paid.

GENERAL EXCLUSIONS APPLYING TO ALL SECTIONS
No Section of this policy shall apply in respect of:
1. Any person who has reached the age of 81 years (76 years with respect to Long Stay) prior to the date of application.
2. Claims arising from a Material Fact or facts, which have not been disclosed to Us and accepted by Us in writing prior to the commencement of the Period of Insurance.
3. Loss, damage or expense which at the time of happening is insured by, or would, but for the existence of this policy, be insured by any other existing certificate, policy or any motoring organisations service. If You have any other policy in force, which may cover the event for which You are claiming, You must tell Us. This exclusion shall not apply to Personal Accident cover under Section 14.
4. Costs which would have been payable if the event being the subject of a claim had not occurred (for example, the cost of meals which You would have paid for in any case).
5. Consequential losses of any nature other than as specifically provided within the terms and conditions of this policy.
6. Costs of telephone calls or faxes, meals, taxi fares (with the sole exception of the taxi costs incurred for the initial journey to a hospital abroad due to an Insured Persons illness or injury), interpreters fees,
inconvenience, distress, loss of earnings, loss of enjoyment of holiday, timeshare maintenance fees, holiday property bonds or points and any additional travel or accommodation costs unless pre-authorised by Us or part of a valid claim under Section 2 (Medical Emergency & Repatriation), Section 4 (Additional Accommodation & Travelling Costs), Section 6 (Cancellation, Curtailment & Trip Interruption) or Section 12 (Money & Passport).
7. Any claim under Sections 2, 3, 4, 5 or 6 arising directly or indirectly from pregnancy within 8 weeks (or 16 weeks in the case of a known multiple pregnancy) of the estimated date of delivery.
8. Any deliberately careless or deliberately negligent act or omission by You.
9. Any claim arising or resulting from Your own illegal or criminal act.
10. Needless self-exposure to peril except in an endeavour to save human life.
11. Any claim arising directly or indirectly from Your drug addiction or solvent abuse, excessive alcohol intake, or You being under the influence of alcohol or drug(s).
12. Any claim arising or resulting directly or indirectly from Your suicide, attempted suicide, or intentional self-injury.
13. Any claim under Sections 2, 3, 4, 5, 6 or 13 arising directly or indirectly from sexually transmitted diseases.
14. The Insured Person engaging in Manual Work in conjunction with any profession, business or trade during the Trip unless on a voluntary basis (See Meaning of Words).
15. The Insured Person engaging in any Winter Sports unless the appropriate Winter Sports extension premium required has been paid. If You are undertaking a pursuit or activity which is not listed in this policy or are in any doubt as to whether cover will apply, please call Your Issuing Agent.
16. The Insured Person engaging in or practising for the following sports and activities: bobsleigh; boxing; canyoning; caving/cave diving; heli-skiing; horse jumping or racing; hunting/shooting; hunting-on-horseback; hurling; luge; martial arts (contact/competition); motor racing; mountaineering; off-piste skiing or snowboarding (outside recognised and authorised areas); parasailing; paraskiing; point-to-point; potholing; professional sports; quad biking; rock climbing or scrambling; shark feeding/cage diving; skeleton; ski jumping, racing or stunting; steeplechasing; wrestling and yacht racing.
17. Participation in any organised competition involving any Sports & Recreational Activities or Winter Sports, unless as part of ski school instruction or as agreed by Underwriters in writing.
18. The Insured Person fighting except in self-defence.
19. Notwithstanding any provision to the contrary within this insurance, or any endorsement thereto, it is agreed that this insurance excludes any loss or expense of whatsoever nature directly or indirectly caused by, resulting from, or in connection with any of the following regardless of any other cause or event contributing concurrently or in any other sequence to the loss: War, hostilities or warlike operations (whether war be declared or not); invasion; act of an enemy foreign to the nationality of the Insured Person or the country in, or over, which the act occurs; civil war; riot; rebellion; insurrection; revolution; overthrow of the legally constituted government; civil commotion assuming the proportions of, or amounting to, an uprising; military or usurped power; explosions of war weapons; release of weapons of mass destruction that do not involve an explosive sequence; murder or assault subsequently proved beyond reasonable doubt to have been the act of agents of a state foreign to the nationality of the Insured Person whether war be declared with that state or not; terrorist activity. For the purpose of this exclusion terrorist activity means an act, or acts, of any person, or group(s) of persons, committed for political, religious, ideological or similar purposes with the intention to influence any government and/or to put the public, or any section of the public, in fear. Terrorist activity can include, but not be limited to, the use of force or violence and/or the threat thereof. Furthermore, the perpetrators of terrorist activity can either be acting alone, or on behalf of, or in connection with any organisation(s) or government(s). Also excluded hereon is any loss or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any action taken in controlling, preventing, or suppressing any, or all, of the above incidents. In the event any portion of this exclusion is found to be invalid or unenforceable, the remainder shall remain in full force and effect. This exclusion does not apply to claims under Section 2 (Medical Emergency & Repatriation) and Section 14 (Personal Accident).
20. The Insured Person travelling to a country or specific area or event to which the Foreign and Commonwealth Office has advised persons not to travel.
21. Loss or destruction or damage or any expense whatsoever resulting from: ionising radiation or contamination by radioactivity from any nuclear waste from the combustion of nuclear fuel, or the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof.
22. Delay, loss, damage, injury or consequential loss, directly or indirectly caused by the actual or potential inability of any computer, data processing equipment or media, microchip, integrated circuit or similar device, or any computer software or stored programme to correctly recognise any date as its true calendar date or to continue to function correctly in respect of or beyond that date or to operate as a result of a computer virus - except under Section 2 (Medical Emergency & Repatriation) and Section 14 (Personal Accident). Computer viruses include any program or software, which prevents any operating system, computer program or software from working properly or at all.
23. Any claim when You have not paid the appropriate premium for the number of days comprising Your planned Trip, regardless of when the event resulting in the claim occurred.
24. Consequential loss of any kind arising from the provision of, or any delay in providing, the services to which this policy relates, unless negligence on Our part can be demonstrated.

MAKING A CLAIM ON RETURN HOME
First, check Your Certificate and the appropriate section of Your policy to make sure that what You are claiming for is covered.
Claim forms can be obtained from www.eaclaims.co.uk/CTB or alternatively telephone Europ Assistance Claims Helpline on 0870 737 5814 to obtain a claim form, giving Your name and Certificate number, and brief details of Your claim.
All claims must be notified within 28 days of Your return on a policy claim form, accompanied by original invoices, receipts, reports, etc. Please refer to the relevant section of Your policy for specific conditions and details of the supporting evidence that We require. Please remember that it is always advisable to retain copies of all documents when submitting Your claim form. We recommend You use registered post and send Your claim form to the following address:
Europ Assistance Travel Claims, Sussex House, Perrymount Road, Haywards Heath, West Sussex RH16 1DN Telephone: 0870 737 5814
In order to handle claims quickly, We may use appointed claims handling agents.
When claims settlements are made by the BACS (Bank Automatic Clearing System) or other electronic banking system method, You will be responsible for supplying Us with the correct bank account details and Your full authority for Us to remit monies directly to that account. Provided that payment is remitted to the bank account designated by You, Europ Assistance shall have no further liability or responsibility in respect of such payment, and it shall be Your sole responsibility to make collection of any mis-directed payment in the event of incorrect details having been provided to Us. Europ Assistance reserves the right to charge an administration fee if it changes its practices of claims administration in the future.
Important notice
Under the new European Union (EU) travel regulations, You are entitled to claim compensation from your Carrier if any of the following happen:
1. Denied boarding and cancelled flights
If You check in on time but You are denied boarding because there are not enough seats available or if Your flight is cancelled, the Carrier must offer You financial compensation.
2. Long delays
If Your flight is delayed for more than five hours, the airline must offer to refund Your ticket.
3. Luggage
If Your checked-in luggage is damaged or lost by an EU airline, You must claim compensation from the Carrier within seven days. If Your checked-in luggage is delayed, You must claim compensation from the Carrier within 21 days of its return.
You can download full details from http://europa.eu.int/comm/transport/air/rights/index_en.htm

GENERAL CONDITIONS APPLYING TO ALL SECTIONS
1. No cover will come into force, or continue in force, unless each Insured Person who, by reason of the Important Health Requirements, must make a Medical Health Declaration, in respect of the period for which
insurance is required, has been formally accepted by Us in writing.
2. Any medical information supplied in a Medical Health Declaration will be treated in the strictest confidence, will be used solely for Our own internal purposes for the assessment of the risk, and will not be disclosed to any outside person or authority without the specific approval of the person whose details are shown in the Medical Health Declaration. We shall not refuse cover unless, in Our opinion, the risk associated with the particular person travelling is substantially greater than that represented by the average healthy traveller. The cost of any medical evidence produced in connection with a Medical Health Declaration shall be borne by You.
3. During each Period of Insurance and before You depart on each Trip You must declare to Healthcheck247 any change in Your health or medical status. This change must be accepted in writing by Us before cover will be continued. If in doubt as to whether any change is material, You should contact Healthcheck247 on 0870 220 3937.
4. You must declare to Us all Material Facts which are likely to affect this insurance. Failure to do so may prejudice entitlement to claim. If You are uncertain as to whether a fact is material, You should declare it to Us.
5. You must exercise reasonable care for the supervision and safety of both You and Your property. You must take all reasonable steps to avoid or minimise any claim. You must act as if You are not insured.
6. You must avoid needless self-exposure to peril unless You are attempting to save human life.
7. We will make every effort to apply the full range of services in all circumstances dictated by the terms and conditions. Remote geographical locations or unforeseeable adverse local conditions may preclude the normal standard of service being provided.
8. You must comply in full with the terms and conditions of this policy before a claim will be paid. Please read this policy carefully, and if unsure as to what is covered or excluded, contact Your Issuing Agent.
9. In the event of an emergency or any occurrence that may give rise to a claim for substantial costs under this insurance, You must contact Us as soon as possible. You must make no admission of liability, offer, promise or payment without Our prior consent.
10. We are entitled to take over Your rights in the defence or settlement of a claim, or to take proceedings in Your name for Our own benefit against another party and We shall have full discretion in such matters.
11. We may, at any time, pay to You Our full liability under this policy after which no further liability shall attach to Us in any respect or as a consequence of such action.
12. Where it is possible for Us to recover sums that we have paid out under the terms of the policy, You will cooperate fully with Us in any recovery attempt We make and We will pay all costs associated with the recovery of Our outlay. You agree not to take any action that may prejudice Our recovery rights and will advise Us if You instigate proceedings to recover compensation arising from any incident which has led to a successful claim against this policy. The sums We have paid out under the terms of the policy will be reimbursed from any recovery made.
13. You must take all practicable steps to recover any article lost or stolen and to identify and ensure the prosecution of the guilty person(s). We may at any time and at Our expense take such action as We deem fit to recover the property lost or stated to be lost.
14. In the event of a valid claim You shall allow Us the use of any relevant Travel Documents You are not able to use because of the claim.
15. You must notify Us in writing of any event which may lead to a claim, within 28 days of Your return Home. As often as We require You shall submit to medical examination at Our expense. In the event of the Death of an Insured Person We shall be entitled to have a post mortem examination carried out at Our expense. You must supply Us with a written statement substantiating Your claim, together with (at Your own expense) all certificates, information, evidence and receipts that We require.
16. If any fraudulent claim is made or if any fraudulent means or devices are used to obtain any benefit under the insurance, this policy shall become void and the premium paid shall be forfeited. Any benefits so claimed and received must be repaid to Us.
17. We may give 7 days notice of cancellation of this policy by recorded delivery to You at Your last known address. In this case We shall refund to You the unexpired pro-rata portion of the premium You have paid, subject to there having been no known claims or losses.
18. If any dispute arises as to the policy interpretation, or as to any rights or obligations under this policy, We offer You the option of resolving this by using the arbitration procedure We have arranged. Please see the details shown under Customer Satisfaction. Using this service will not affect Your legal rights.
19. You will be required to repay to Us, within one month of Our request to You, any costs or expenses We have paid on Your behalf which are not covered under the terms and conditions of this policy.
20. This policy is subject to the laws of England and Wales whose courts alone shall have jurisdiction in any disputes.
21. You must pay the appropriate premium for the full number of days comprising Your planned Trip. If Your Trip is planned to exceed the total number of days for which We offer insurance then no cover at all shall apply in respect of that particular Trip and You will need to make alternative insurance arrangements.
22. When engaging in any sport or holiday activity (not excluded under General Exclusion 16) You must accept and follow the supervision and tuition of experts qualified in the pursuit or activity in question, and You must use all appropriate precautions, equipment and protection.
23. Winter Sports are covered only if You have paid the appropriate additional premium required before departure from the Home country.
24. Although We are prepared to cover You when undertaking certain sports and activities, the availability of the insurance cover does not, in itself, imply that We or the underwriters consider such sports and activities as safe. At all times You must satisfy yourself that You are capable of safely undertaking the planned sport or activity and You must take care to avoid injury, accident or loss to yourself and to others.

Policy Excess: The first £65 per Insured Person, each and every incident, each and every section of cover.
- Note 1: In the event of an injury occurring as a result of voluntary Manual Work, the Policy Excess under Section 2 (Medical Emergency & Repatriation) will be increased to £250.
- Note 2: For loss of deposit claims, the Policy Excess under Section 6 (Cancellation, Curtailment & Trip Interruption) will be £25.
- Note 3: The Policy Excess is reduced to nil when You have paid the appropriate premium and purchased Excess Waiver cover, except where otherwise stated.

No Policy Excess will apply when You receive in-patient treatment (where medically necessary) at:
a) one of Our network hospitals, or
b) a state hospital when You have used the E111 or a European Health Insurance Card (EHIC) to effectively reduce the cost of Your medical treatment or medicines.