Staysure.co.uk Economy

50 days

YEAR ROUND POLICY
The Period of Insurance is for 12 months during which You are covered for each Trip You book and undertake within that Period, on condition that:
- For each Insured Person aged up to and including 65 years, the maximum duration of any one Trip shall not exceed 50 days. This is extendable up to 100 days for Insured up to and including 65 years upon payment of an additional premium.
- For each Insured Person aged from 66 to 80 years inclusive, the maximum duration of any one Trip shall not exceed 35 days. This is not extendable.
- Winter Sports cover is automatically included up to 17 days cover during the Period of Insurance and can be extended to 31 days in total upon payment of an additional premium.
- Irrespective of the number of individual Trips You undertake in each Period of Insurance, the maximum number of days abroad must not exceed 183 days.

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.

Personal accident - Section 7
WHAT YOU ARE COVERED FOR
We will pay you or your legal representative one of the following amounts for an accident during your journey.
Death
£20,000 for death. (We will not pay more than £1,000 if you are aged 18 or under at the time of the accident.)
Permanent loss
£20,000 for total and permanent loss of sight in one or both eyes or total and permanent loss of use of one or both hands or feet.
Physical disablement
£20,000 for a permanent physical disability as a result of which there is no paid work which you are able to do. (We will not pay any compensation if you are aged 18 or under or aged 75 or over at the time of the accident.)
Note
Death benefit payments will be made to your legal personal representative.

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.

Personal money - Section 6
WHAT YOU ARE COVERED FOR
Up to £500 for loss or theft of your personal money, but no more than £200 (£50 if you are aged 17 or under) in cash in total, whether jointly owned or not) while on your journey.
Lost credit cards
If you loose your credit cards while on your journey, we will assist by providing you with the contact telephone numbers of the appropriate credit card companies. To use this service please call our 24 hour helpline on +44 20 8666 9325 Textphone +44 20 8666 9562
WHAT YOU ARE NOT COVERED FOR
An excess of £65.
Compensation unless you can provide receipts of the amount you had from the place where you got the currency.
Loss or theft of personal money, unless it is on your person, locked in a safe or safety deposit box (if one is available) or locked in the accommodation you are using on your journey.
Loss caused by a reduction in exchange rates or shortage caused by mistakes in exchanging currency.
Loss or theft of travellers´ cheques if the place where you got them from provides a replacement service.
More than the minimum market value of equivalent travel tickets, if your travel tickets have been paid for using an airline mileage reward scheme.
Please refer to Sections General exclusions, Conditions and Making a claim that also apply.

Legal expenses - Section 11
Note
- you must conduct your claim in the way requested by the appointed adviser;
- you must keep us and the appointed adviser fully aware of all facts and correspondence including any claim settlement offers made to you;
- we will not be bound by any promises or undertakings which you give to the appointed adviser, or which you give to any person about payment of fees or expenses, without our consent;
- we can withdraw cover after we have agreed to the claim, if we think a reasonable settlement is unlikely or that the cost of the legal action could be more than the settlement.
You can call our 24-hour legal helpline 365 days a year for advice on any travel related legal problem to do with your journey, arising under the law of England, Wales, Scotland and Northern Ireland Phone +44 (0)20 8603 9804 Textphone +44 20 8666 9562
WHAT YOU ARE COVERED FOR
If you die, are ill, or injured during your journey and you or your personal representative take legal action to claim damages or compensation for negligence against a third party we will do the following:
Nominate an appointed adviser to act for you. If you and we cannot agree on an appointed adviser, the matter can be referred to an Alternative Resolution Facility.
For each event giving rise to a claim pay up to £25,000 legal costs for legal action for you (but not more than £50,000 in total for all persons insured on this policy).
WHAT YOU ARE NOT COVERED FOR
Any claim:
- not reported to us within 90 days after the event giving rise to the claim;
- where we think a reasonable settlement is unlikely or where the cost of the legal action could be more than the settlement;
- involving legal action between members of the same household, a relative, a travelling companion, or one of your employees;
- where another insurer or service provider has refused your claim or where there is a shortfall in the cover they provide;
- against a travel agent, tour operator or carrier, us, the insurer, another person insured by this policy or our agent.
Legal costs:
- for legal action that we have not agreed to;
- if you refuse reasonable settlement of your claim. You should use Alternative Resolution Facilities such as mediation in this situation;
- if you withdraw from a claim without our agreement. If this occurs legal costs that we have been paid must be repaid to us and all legal costs will become your responsibility;
- that cannot be recovered by us, you or your appointed adviser, when you receive compensation. Any repayment will not be more than half of the compensation you receive;
- awarded as a personal penalty against you or the appointed adviser (for example not complying with Court rules and protocols);
- for bringing legal action in more than one country for the same event.
Please refer to Sections General exclusions, Conditions and Making a claim that also apply.

Loss of passport - Section 3
WHAT YOU ARE COVERED FOR
Costs for issuing a temporary passport
Up to £500 in total for the cost of extra transport, accommodation and administration costs you have to pay to get a temporary passport to enable you to return to the UK
Remaining value of original passport
The equivalent cost (based on the current replacement costs) of the period remaining on your passport that is lost stolen or destroyed.
WHAT YOU ARE NOT COVERED FOR
Please refer to Sections General exclusions,Conditions and Making a claim that also apply.

Hijack - Section 13
WHAT YOU ARE COVERED FOR
We will pay you up to £50 for each 24 hour period up to £5,000 in total If you cannot reach your journey as a result of the transport you are using being hijacked.
WHAT YOU ARE NOT COVERED FOR
Please refer to Sections General exclusions, Conditions and Making a claim that also apply.

Winter sports cover - Section 14
This section is only in force if shown on your certificate
WHAT YOU ARE COVERED FOR
Ski equipment
We will pay up to £500 in total for your ski equipment (including ski equipment you are legally liable for).
There is also a single article limit of £300, whether jointly owned or not.
WHAT YOU ARE NOT COVERED FOR
Under Ski equipment an d under Ski pass
Anything mentioned under the heading WHAT YOU ARE NOT COVERED FOR within Personal possessions- section 5.

Winter sports cover - Section 14
This section is only in force if shown on your certificate
WHAT YOU ARE COVERED FOR
Ski equipment
We will pay up to £500 in total for your ski equipment (including ski equipment you are legally liable for).
There is also a single article limit of £300, whether jointly owned or not.
WHAT YOU ARE NOT COVERED FOR
Under Ski equipment and under Ski pass
Anything mentioned under the heading WHAT YOU ARE NOT COVERED FOR within Personal possessions- section 5.

Winter sports cover - Section 14
This section is only in force if shown on your certificate
WHAT YOU ARE COVERED FOR
Ski equipment
We will pay up to £500 in total for your ski equipment (including ski equipment you are legally liable for).
There is also a single article limit of £300, whether jointly owned or not.
WHAT YOU ARE NOT COVERED FOR
Under Ski equipment and under Ski pass
Anything mentioned under the heading WHAT YOU ARE NOT COVERED FOR within Personal possessions- section 5.

Winter sports cover - Section 14
WHAT YOU ARE COVERED FOR
This section is only in force if shown on your certificate
Ski pack
We will pay up to £250 in total for your ski pack costs that have been paid for and that cannot be recovered from anywhere else, if:
- you have to cancel or curtail your journey.
- you cannot ski because of an injury or illness during your journey.
WHAT YOU ARE NOT COVERED FOR
Under Ski pack
Anything mentioned under the heading WHAT YOU ARE NOT COVERED FOR within Cancellation or curtailment charges - section 1.
Anything mentioned under the heading WHAT YOU ARE NOT COVERED FOR within Emergency medical and associated expenses - section 2.

Winter sports cover - Section 14
This section is only in force if shown on your certificate
Ski pass
We will pay up to £250 in total for ski pass that is damaged, stolen, lost or destroyed on your journey.
WHAT YOU ARE NOT COVERED FOR
Under Ski equipment and under Ski pass
Anything mentioned under the heading WHAT YOU ARE NOT COVERED FOR within Personal possessions- section 5.

Winter sports cover - Section 14
This section is only in force if shown on your certificate
WHAT YOU ARE COVERED FOR
Piste closure
We will pay one of the following, if it is not possible for you to ski or snow board at your pre-booked ski resort, because the ski-lifts and ski-schools that you are due to use are closed as a result of adverse weather conditions.
Up to £20 for each full day up to £200 in total for the cost of extra transport or lift passes to let you ski or snow board at another resort; or
Up to £20 for each full day up to £200 in total if no other resort is available.
WHAT YOU ARE NOT COVERED FOR
Under Piste closure
Any compensation for the first full 24 hours at your booked ski resort.
Any journey in the UK.
Any claim unless you have a letter from the ski-lift or ski-school operators giving the reason for closing the piste and showing the number of days the piste was closed during your journey.
Compensation which you can get from your tour operator or anywhere else.
Costs if the ski-lifts or ski-schools in your pre-booked resort were closed when your policy or travel tickets for your journey were issued, if this is less than 14 days before the beginning of your journey.
Any journey that takes place outside a recognised ski resort or the official resort opening dates.
Please refer to Sections General exclusions, Conditions and Making a claim that also apply.

Winter sports cover - Section 14
This section is only in force if shown on your certificate
WHAT YOU ARE COVERED FOR
Piste closure
We will pay one of the following, if it is not possible for you to ski or snow board at your pre-booked ski resort, because the ski-lifts and ski-schools that you are due to use are closed as a result of adverse weather conditions.
Up to £20 for each full day up to £200 in total for the cost of extra transport or lift passes to let you ski or snow board at another resort; or
Up to £20 for each full day up to £200 in total if no other resort is available.
WHAT YOU ARE NOT COVERED FOR
Under Piste closure
Any compensation for the first full 24 hours at your booked ski resort.
Any journey in the UK.
Any claim unless you have a letter from the ski-lift or ski-school operators giving the reason for closing the piste and showing the number of days the piste was closed during your journey.
Compensation which you can get from your tour operator or anywhere else.
Costs if the ski-lifts or ski-schools in your pre-booked resort were closed when your policy or travel tickets for your journey were issued, if this is less than 14 days before the beginning of your journey.
Any journey that takes place outside a recognised ski resort or the official resort opening dates.
Please refer to Sections General exclusions, Conditions and Making a claim that also apply.

Winter sports cover - Section 14
This section is only in force if shown on your certificate
WHAT YOU ARE COVERED FOR
Piste closure
We will pay one of the following, if it is not possible for you to ski or snow board at your pre-booked ski resort, because the ski-lifts and ski-schools that you are due to use are closed as a result of adverse weather conditions.
Up to £20 for each full day up to £200 in total for the cost of extra transport or lift passes to let you ski or snow board at another resort; or
Up to £20 for each full day up to £200 in total if no other resort is available.
WHAT YOU ARE NOT COVERED FOR
Under Piste closure
Any compensation for the first full 24 hours at your booked ski resort.
Any journey in the UK.
Any claim unless you have a letter from the ski-lift or ski-school operators giving the reason for closing the piste and showing the number of days the piste was closed during your journey.
Compensation which you can get from your tour operator or anywhere else.
Costs if the ski-lifts or ski-schools in your pre-booked resort were closed when your policy or travel tickets for your journey were issued, if this is less than 14 days before the beginning of your journey.
Any journey that takes place outside a recognised ski resort or the official resort opening dates.
Please refer to Sections General exclusions, Conditions and Making a claim that also apply.

Winter sports cover - Section 14
This section is only in force if shown on your certificate
WHAT YOU ARE COVERED FOR
Delayed Ski equipment
We will pay up to £15 for each 24 hour period up to £300 in total for the hire of alternative ski equipment if yours is temporarily lost or stolen on your outward journey for more than 12 hours from when you arrived at your destination.

Winter sports cover - Section 14
This section is only in force if shown on your certificate
WHAT YOU ARE COVERED FOR
Delayed Ski equipment
We will pay up to £15 for each 24 hour period up to £300 in total for the hire of alternative ski equipment if yours is temporarily lost or stolen on your outward journey for more than 12 hours from when you arrived at your destination.

This policy will fully cover You when You are engaging in the following sports and activities on a non-competitive and non-professional basis during Your Trip when You have paid the additional Winter Sports
premium if required:
Ice-skating, Snowboarding, Skiing (on/off-piste but on recognised and authorised areas only) (on/off-piste but on recognised and Skiing (alpine/glacier/mono) authorised areas only), Cross-country or Nordic skiing, Tobogganing, Training/Racing (ski school)
You will not be covered for any claims arising directly or indirectly when engaging in or practising for the following sports and activities:
Bobsleigh, Ski Jumping, Heli-skiing, Ski Racing, Luge, Ski Stunting, Paraskiing, Skiing off-piste outside recognised and authorised areas, Skeleton, Snowboarding off-piste outside recognised and authorised areas.
You are not covered when engaging in organised competitions (other than as part of ski school instruction) or when skiing against local authoritative warning or advice.

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.

Delayed personal possessions - Section 4
WHAT YOU ARE COVERED FOR
Up to £50 in total for a delay of up to 48 hours or up to £100 in total for a delay of 48 hours or more to purchase essential replacement items, if your personal possessions (this does not include valuables or ski equipment, golf equipment, wedding rings, wedding gifts and wedding attire) are temporarily lost or stolen on your outward journey for more than 12 hours from when you arrived at your destination.
Note
You must send us the receipts for anything that you buy. If the items are permanently lost, we will take any amount that you are due to be paid under this section from the final claim settlement under the Personal possessions section.
WHAT YOU ARE NOT COVERED FOR
Please refer to Sections General exclusions, Conditions and Making a claim that also apply.

Cancellation or curtailment charges - Section 1
If you think you may have to cut your journey short (curtail), we must be told immediately - see under the heading 24-hour emergency medical assistance on page 10 for more information.
We will pay up to £5,000 in total (including up to £150 in total for excursions), for your part of unused personal accommodation, transport charges and other travel expenses which have been paid or where there is a contract to pay that cannot be recovered from anywhere else. We will provide this cover in the following necessary and unavoidable circumstances:
Cancellation
If you cancel your journey before it begins because one of the following happens:
- The death, serious injury or serious illness of you, someone you were going to stay with, a travelling companion, or a relative or business associate of you or a travelling companion.
- You or a travelling companion is called for jury service in the UK or as a witness in a court in the UK.
- You or a travelling companion is needed by the police following a burglary, or damage caused by serious fire, storm, flood, explosion, subsidence, vandalism, fallen trees, impact by aircraft or vehicle at your home or their home or usual place of business in the UK.
- You or a travelling companion being advised not to travel by a doctor as a result of pregnancy.
- Your redundancy.
- The Foreign and Commonwealth Office issue a directive advising against travel to your journey destination because of an earthquake, fire, flood, or hurricane.
Curtailment
You cut your journey short (curtail) after it has begun because of one of the following:
- Anything mentioned in Cancellation except redundancy.
- You are injured or ill and are in hospital for the rest of your journey.
WHAT YOU ARE COVERED FOR
Note:
We will calculate curtailment claims from the date it is necessary for you to return to the UK or the date you are hospitalised as an in-patient, for the rest of your journey. We will pay unused personal accommodation and other travel expenses based on each 24-hour period you have lost. If you need to be repatriated, we will not refund the cost of your unused return travel tickets. We will put the value of these tickets towards the extra transport costs we have to pay.
Journey interruption
We will also pay, as part of the overall limit on this section, for extra accommodation and transport charges needed for you to make a necessary unscheduled return home during your journey and where possible to return to your destination because of one of the following:
- The death, serious injury or serious illness of a relative.
- You are needed by the police following a burglary, or damage caused by serious fire, storm, flood, explosion, subsidence, vandalism, fallen trees, impact by aircraft or vehicle at your home.
WHAT YOU ARE NOT COVERED FOR
Under Cancellation, Curtailment and Journey interruption
An excess of £65 (£25 for deposit only claims).
Any condition stated under Health declaration and health exclusions on pages 11-14.
More than the minimum market value of equivalent travel tickets, if your travel tickets have been paid for using an airline mileage reward scheme.
Anything caused by:
- you not having the correct passport or visa;
- any restriction caused by the law of any country or people enforcing these laws;
- bankruptcy or liquidation of the company providing your transport or accommodation, their agents or any person acting for you;
- anything the company providing your transport or accommodation, their agents, any person acting for you or your conference organiser is responsible for;
- your vehicle being stolen or breaking down;
- you not wanting to travel or not enjoying your journey;
- riot, civil commotion, strike or lock-out;
- 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 persons 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;
- the death of any pet or animal.
Under Cancellation
Any extra cancellation charges, because you did not tell the company providing your transport or accommodation, their agents or any person acting for you, as soon as you knew you had to cancel.
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;
(unless the pregnancy was confirmed after the date your policy or travel tickets for your journey were bought, whichever is the later).
Financial circumstances or unemployment, except caused by redundancy which you find out about after the date your policy or travel tickets for your journey were bought (whichever is the later).
Under Curtailment
Cutting short your journey unless we have agreed.
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 when you do not get a medical certificate (from the doctor who treated you in the place where you were staying) which says it was necessary for you to come home because of death, injury or illness. Our medical advisers must have agreed with the reason and that you were fit to travel.
The cost of your original pre-booked tickets if you have not used them and we have paid extra transport costs.
You travelling on a motorcycle, unless the rider holds an appropriate valid licence and all persons insured are wearing crash helmets.
Anything caused by you taking part in a hazardous activity or winter sports unless shown on your certificate.
Under Journey interruption
Any costs unless we have agreed.
The cost of your unused personal accommodation, transport charges and other travel expenses (see curtailment).
Please refer to Sections General exclusions, Conditions and Making a claim that also apply.

Missed departure - Section 8
WHAT YOU ARE COVERED FOR
Any claim unless you:
- get a letter from the public transport provider (if this applies) confirming that the service did not run on time
- get confirmation of the delay from the authority who went to the accident or breakdown (if this applies) affecting the vehicle you were travelling in
- have allowed time in your travel plans for delays which are expected.
Any delay caused by a riot, civil commotion, strike or industrial action which began or was announced before your policy or travel tickets for your journey were bought (whichever is later).
Failure of public transport caused by a riot, civil commotion, strike or industrial action which began or was announced before you left home or where you could have reasonably made other travel arrangements.
WHAT YOU ARE NOT COVERED FOR
We will pay you the following amounts if:
- the public transport (including scheduled flights) does not run to its timetable; or
- the vehicle you are travelling in has an accident or breaks down.
Costs from departure point
Up to £500 in total for destinations within Europe or up to £1,000 for destinations outside of Europe, for the cost of extra accommodation and transport which you have to pay to get to your journey destination or back
home because you do not get to the departure point by the time shown in your travel itinerary (plans)
We will also pay you up to £500 in total for the following:
- Getting to outbound departure point
The cost of alternative transport which you have to pay to get to your outbound departure point or back home because you do not get to the departure point by the time shown in your travel itinerary (plans)
- Getting home following delay
The cost of extra accommodation and transport which you have to pay to get back home because your inbound flight, international train or sea vessel is delayed by the time shown in your travel itinerary (plans) and you miss your connecting UK internal public transport (including scheduled flights)
Please refer to Sections General exclusions, Conditions and Making a claim that also apply.

Delayed departure - Section 9
WHAT YOU ARE COVERED FOR
Compensation if the flight, international train or sea vessel you are booked on is delayed at its departure point from the time shown in your travel itinerary
(plans) because of:
-a serious fire, storm or flood damage to the departure point;
- industrial action;
- bad weather;
- mechanical breakdown of the international train or sea vessel; or
- the grounding of the aircraft due to a mechanical or a structural defect.
We will pay:
Delay
£20 after the first full 12 hours of delay and £10 after each extra delay of 12 hours up to £300 in total; or
Abandonment
up to £5,000 in total for your part of the unused costs of the journey which have been paid or where there is a contract to pay that cannot be recovered from anywhere else, if, after you have been delayed for more than 12 hours, you decide to abandon the journey before you leave the UK.
WHAT YOU ARE NOT COVERED FOR
Under Delay and Abandonment
Anything which is caused by you not checking in at the departure point when you should have done.
Missed connections.
Compensation unless you get a letter from the airline, railway company or shipping line giving the reason for the delay and showing the scheduled departure time and the actual departure time of the flight,
international train or sea vessel.
Any delay caused by a riot, civil commotion, strike or industrial action which began or was announced before your policy or travel tickets for your journey were bought (whichever is later).
Under Abandonment
An excess of £65.
More than the minimum market value of equivalent travel tickets, if your travel tickets have been paid for using an airline mileage reward scheme.
Please refer to Sections General exclusions, Conditions and Making a claim that also apply.

Delayed departure - Section 9
WHAT YOU ARE COVERED FOR
Compensation if the flight, international train or sea vessel you are booked on is delayed at its departure point from the time shown in your travel itinerary
(plans) because of:
-a serious fire, storm or flood damage to the departure point;
- industrial action;
- bad weather;
- mechanical breakdown of the international train or sea vessel; or
- the grounding of the aircraft due to a mechanical or a structural defect.
We will pay:
Delay
£20 after the first full 12 hours of delay and £10 after each extra delay of 12 hours up to £300 in total; or
Abandonment
up to £5,000 in total for your part of the unused costs of the journey which have been paid or where there is a contract to pay that cannot be recovered from anywhere else, if, after you have been delayed for more than 12 hours, you decide to abandon the journey before you leave the UK.
WHAT YOU ARE NOT COVERED FOR
Under Delay and Abandonment
Anything which is caused by you not checking in at the departure point when you should have done.
Missed connections.
Compensation unless you get a letter from the airline, railway company or shipping line giving the reason for the delay and showing the scheduled departure time and the actual departure time of the flight,
international train or sea vessel.
Any delay caused by a riot, civil commotion, strike or industrial action which began or was announced before your policy or travel tickets for your journey were bought (whichever is later).
Under Abandonment
An excess of £65.
More than the minimum market value of equivalent travel tickets, if your travel tickets have been paid for using an airline mileage reward scheme.
Please refer to Sections General exclusions, Conditions and Making a claim that also apply.

Personal liability - Section 10
WHAT YOU ARE COVERED FOR
If you are hiring a motorised or mechanical vehicle while on your journey you must make sure that you get the necessary insurance from the hire company.
We do not cover this under our policy.
We will pay up to £2 million plus any other costs we agree to in writing that relate to anything you cause during your journey for which you are legally liable and results in one of the following.
- Bodily injury of any person.
- Loss of or damage to property which you do not own and you or a relative have not hired, loaned or borrowed.
- Loss of or damage to the accommodation you are using on your journey that does not belong to you or a relative.
Note
Inform us as soon as you or your legal representatives are aware of a possible prosecution, inquest or fatal injury, which might lead to a claim under this section. Please do not negotiate, pay, settle, admit or deny any liability to any third party, without our written consent.
WHAT YOU ARE NOT COVERED FOR
Any liability for bodily injury or loss of or damage to property that comes under any of the following categories.
- Something which is suffered by anyone employed by you or a relative and is caused by the work they are employed to do.
- Something which is caused by something you deliberately did or did not do.
- Something which is caused by your employment or employment of a relative.
- Something which is caused by you using any firearm or weapon.
- Something which is caused by any animal you own, look after or control.
- Something which you agree to take responsibility for which you would not otherwise have been responsible for.
Any contractual liabilities.
Any liability for bodily injury suffered by you, a relative or travelling companion.
Compensation or other costs caused by accidents arising from your ownership or possession of any of the following.
-The u se of any land or building except for the accommodation you are using on your journey.
- Motorised or mechanical vehicles and any trailers attached to them.
- Aircraft, motorised water craft or sailing vessels.
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.