Tesco Instant (Pay at till) Travel Insurance

Your policy operates on the basis that you warrant to us that at the time of taking out this insurance and at the time you commence your journey:
1. You are not awaiting nor have received medical treatment in the past three months for an illness or injury as a hospital in-patient.
2. You are not taking medication or had medication prescribed for an existing condition.
3. You are not suffering or have suffered from a heart related condition.
4. You are not awaiting surgery or any form of medical investigation/treatment or have received medical treatment in the past month as a hospital in-patient.
If any of the above apply have have what is termed an 'existing medical condition' and any claims arising directly or indirectly there from will not be covered.
To check that your medical condition is covered you must call us on 0845 3007700.

We will pay up to £2,000,000 for the following expenses necessarily incurred as a result of you becoming physically ill or sustaining personal injury whilst abroad:
1. usual and reasonable emergency expenses for medical, surgical and hospital charges (including emergency dental treatment for the relief of immediate distress only);
2. reasonable additional cost of repatriation to the United Kingdom;
3. reasonable additional bed and breakfast accommodation plus evening meal expenses of up to £15 per day;
4. economy travel and accommodation expenses of one relative or one friend, resident in the United Kingdom, who is required on medical advice to travel to, remain with or escort you if you are severely injured or become seriously ill. Valid receipts must be supplied to us;
5. reasonable additional cost of funeral expenses abroad or additional cost of returning your mortal remains to your residence in the United Kingdom.
Exclusions
We will not pay for any claim arising directly or indirectly from:
- any treatment or aid obtained in the United Kingdom;
- any elective (non-emergency) treatment, tests or surgery and cosmetic surgery, that are not directly related to the illness or injury resulting in your admittance to hospital;
- any surgery or medical treatment which, in the opinion of our medical advisors, is not essential or could wait until your return to the United Kingdom;
- any treatment or aid obtained after you in the opinion of our medical advisors, first became able to return to the United Kingdom;
- any claim arising directly or indirectly from pregnancy within two months prior to the estimated date of delivery, or seven days after delivery;
- the additional cost of single or private room accommodation at a hospital or clinic;
- any expenses for in-patient treatment or repatriation which have not been authorised by us;
- any medication which at the time of departure is known by you to be required or to be continued abroad;
any dental work involving the use of precious metals;
any treatment or services provided by a health spa, convalescent, nursing home or any rehabilitation centre .
Conditions
In addition to the General Conditions, the payment of claims under this Section of the Policy is conditional upon you:
1. not travelling contrary to medical advice or specifically to obtain medical treatment;
2. not having received a terminal prognosis prior to the issue of this policy;
3. not awaiting medical treatment as a hospital in-patient prior to any journey being booked unless it has been disclosed to and accepted in writing by us;
4. advising the Assistance Service immediately in the event of a medical emergency, giving full details;
5. accepting our decisions concerning the most suitable, practical and reasonable solutions to any medical emergency.
Excess
You will be required to pay the first £50 of each and every incident giving rise to a claim for out-patient medical treatment under Part One of this Section. (No excess for children under 18)
Claims Guidance
- Observe the instructions in the Section entitled "What to do in the event of a claim" at the end of the document.
- Keep all receipts and accounts reserved for expenses incurred.
- If you receive medical attention for injury or illness, you must obtain receipted accounts together with a Medical Certificate showing the nature of the injury or illness.
- If your journey is extended or curtailed due to injury or illness arising abroad, you are required to obtain a letter from the medical authority concerned confirming that the extension or curtailment is medically necessary.

SECTION 10 Legal Assistance
The 24 hour phone number for practical UK legal advice in connection with your journey and for reporting a legal assistance claim is 0870 240 0287 (+ 44 870 240 0287 from abroad).
We will pay:
1) Up to £30,000 for legal costs to help you claim damages or compensation:
- for injury, illness or death, which happens during your journey; or
- following a dispute about an agreement you have for your journey;
2) Up to £250 for the first consultation that you arrange with a local solicitor if you are arrested or held by authorities during your journey.
We will pay for Legal Assistance if:
- any legal proceedings are carried out within the UK or within the geographical region by a court or other organisation that we agree to; and
- it is more likely than not that you will be successful with your claim.
What is not covered
We will not pay:
- to defend your legal rights in claims against you;
- any claim resulting from any illness or injury that develops gradually or is not caused by a specific or sudden accident;
- for actions between insured people ( in other words, people insured on the same policy trying to make a claim against each other) ;
- legal costs and expenses that arose before we agreed to support your claim;
- claims reported more than 180 days after the date you knew or should have known about the incident leading to the claim;
- legal costs:
- if you stop or settle a claim or withdraw instructions from solicitors for any reason and without our agreement;
- if you do not give suitable instructions to the solicitor; or
- if you make a false claim or knowingly give us any information about the claim that is incorrect or incomplete.
If any of these events occurs, you will have to refund any costs and expenses we have paid or agreed to pay during your claim.
Conditions
If you do not keep to the following conditions, we may refuse any claim and withdraw from any current claim .
You must:
- give us full details of your claim and any other information that we or the solicitor ask you for;
- tell us about any developments affecting your claim;
- tell us if the solicitor refuses to continue to act for you or if you withdraw your instructions;tell us if anyone makes a payment into court or offers to settle your claim;
- try to get back costs that we have to pay, and pay them to us;
- get our agreement in writing before you try to negotiate or settle a claim; and
- co- operate fully with the solicitor and us , and not do anything that might harm your claim. If we ask, you must tell the solicitor to give us any documents or information that they have or know about.
Appointing a solicitor
- If we accept your claim, we or a solicitor we appoint will try to negotiate a settlement without having to go to court.
- If it is necessary to take your claim to court, or if there is a conflict of interests, you have the right to choose the solicitor who acts for you.
Otherwise, we will appoint a solicitor to act for you.
- We or you will appoint a solicitor to act for you in line with our standard terms of appointment ( ask us if you want a copy).
- You must not agree any charges with the solicitor without getting our permission first.
- If a solicitor refuses to continue acting for you , or if you dismiss them, your cover will end immediately unless we agree to appoint another solicitor.
You must tell your solicitor to do the following:
- Get our written permission before instructing a barrister or an expert witness.
- Tell us immediately if it is no longer more likely than not that you will be successful with your claim.
We can do the following:
- Contact the solicitor at any time, and they must co- operate fully with us at all times.
- Decide to settle your claim by paying the amount in dispute.
- Refuse to pay any more legal costs if you do not accept a reasonable offer to settle your claim.
- Refuse to pay any more legal costs if it is no longer more likely than not that you will be successful with your claim.
Arbitration
You have the right to refer any disagreement between you and us to arbitration. The arbitrator will be a solicitor, barrister or other suitably qualified person that you and we agree on. If we cannot agree, the
arbitrator will be chosen by the president of the Law Society ( or another similar organisation) for that part of the UK or geographical region whose law governs this section of the policy. The arbitrator s decision is final. Whoever loses the arbitration will pay for all the costs and expenses of the arbitration. You can also refer any disagreement between you and us to the Financial Ombudsman Service, which is a free service.

If during a journey you lose your passport we will pay you up to £200 for reasonable additional travel and accommodation costs necessarily incurred abroad to obtain a replacement.
Exclusions.
We will not pay for:
- any claim where the loss of the passport is riot reported to the Police or a British Consular Representative within 24 hours of discovery .
Excess.
You will be required to pay the first £50 for each and every incident giving rise to a claim under this section. Excesses do not apply to children when travelling with an insured adult.

You are covered for up to 22 days for winter sports including on-piste snowboarding, skiing, snow-cat skiing, mono-skiing, ski-bobbing, ice-skating, curling, bob-sleighing, luge, tobogganing and snow-mobiling, cross-country skiing on locally recognised tracks, off-piste skiing and snowboarding, both with a qualified instructor.
Exclusions
We will not pay any claim:
1. made outside the recognised skiing season in the ski resort where the loss occurred;
2. where the holiday was not pre-booked;
3. under Piste Closure, where the insurance was effected less than 14 days before departure or if you do not travel to an alternative resort following piste closure .
Excess
You will be required to pay the first £50 for each and every incident giving rise to a claim under parts one and two. (No excess for children under 18).
Claims Settlement
If the claim documentation supplied does not include the currency exchange rate applied, costs incurred locally will be calculated using the Royal Bank of Scotland rates of exchange applicable on the date of loss.

We will pay you up to £500 in respect of equipment (skis and bindings, boots and poles, snowboards, ice skates and essential clothing owned or hired by you) if it is damaged, lost or stolen while on your journey.
Exclusions
We will not pay for loss, theft, breakage or damage to:
- winter sports equipment being left unattended unless in a recognised secure place or in the secure area of a motor vehicle, provided there is evidence of force and violence being used to gain entry
- winter sports equipment more than 5 years old .
Conditions
In addition to the general conditions:
- you must obtain a Property Irregularity Report (PIR) from the courier for damage to any equipment whilst in transit
- loss, theft or suspected theft of equipment must be reported to the police within 24 hours of discovery and a Police Report obtained.
Wear and Tear
A deduction will be made for any wear and tear or betterment in any claim settlement for winter sports equipment that is not replaced or repaired.

We will pay up to £250 per person for the proportionate value of any non-refundable passes, hire or tuition fees following:
1. accident or sickness totally preventing you from continuing your holiday;
2. the loss or theft of your pass;
3. total resort closure preventing your travel to an alternative ski areas.

For each item of your personal possessions that is lost or damaged during your journey, we will at our option:
a. pay the cost of replacing the item or part of a set as new, or
b. replace the item or part of a set as new, or
c. pay the cost of repairing the item or part of a set, or
d. make a cash payment but, not pay the cost of replacing any companion pieces which form part of a set.
Wear and Tear
A deduction will be made for any wear and tear or betterment in any claim settled for:
a) clothing (including sports clothing);
b) any item or part which is not replaced or repaired
c) wintersports equipment.

The purpose of the Section is to cover your baggage against loss, theft, breakage or damage while you are away from home. It is subject to limits which may be inadequate for expensive items such as jewellery and photographic or video equipment; these items can usually be insured separately under your Household Insurance.
We will pay you up to £1,250 (limited to £625 for children under 18) in respect of your personal possessions if they are partially damaged, lost, stolen or destroyed while on your journey.

We will pay you reasonable costs up to £100 for the purchase of essential replacement items if your checked-in personal possessions are temporarily lost by the carrier en-route to your destination and not restored to you within 12 hours.
Conditions
Any amount paid by us will be deducted from the final claim settlement should the items be permanently lost and a claim made under Section 2 of the policy. Receipts for replacement items should be retained and forwarded to us.
Claims Guidance
- For all losses or damage in transit claims, including delayed personal possessions, retain your tickets and luggage tags and report to the airline, railway, coach or shipping company or their handling agent.
- Obtain a written confirmation of the number of hours delay.

Cancellation Cover
Start and end date of cover. Cover commences on the date you purchase the policy and ends on the day that you leave on that journey providing that both the departure date and return date fall within the period of insurance.
We will pay you up to £2,500 in the event of the loss of personal accommodation or transport charges and additional travel expenses paid or contracted to be paid by or for you (including up to £150 per person for the loss of excursion charges pre-paid in the United Kingdom) following necessary cancellation after the date of booking the journey and in the period of insurance as a result of any of the following:
a) your death or serious injury or illness or that of:
- a companion upon whom your travel depends;
- a member of your immediate family;
- a business partner resident in the United Kingdom;
- a person abroad in whose home you are intending to stay;
b) you or a companion upon whom your travel depends being required:
- in the United Kingdom for Jury Service or as a witness in a Court of Law during the journey, or
- to stay home following a serious burglary, fire, storm or flood damage to your home or usual place of business in the United Kingdom occurring within 7 days prior to the commencement of the journey;
c) you being made unemployed;
d) you being required as a member of the armed forces or the police, ambulance, fire or nursing service for unexpected emergency duty or posted overseas during the intended journey period;
e) the Foreign and Commonwealth Office advising against "all travel" to your intended destination during the period of your journey.
We will also pay cancellation costs as above, if, after purchasing this insurance, you discover that you are pregnant and the date of your return home will be within two months prior to your estimated date of delivery.
In the event of your flight being booked with Air Miles we will pay the cost of an equivalent flight to be taken within 3 months from the date of the loss.
We will pay only those cancellation charges that would have applied at the time you first became aware of the need to cancel, if a valid claim exists.
Exclusions
We will not pay for any event which is the result of:
1. your failure to obtain the required passport and/or visa.
2. default of any transport or accommodation provider or their agent or any person acting as your agent or your conference organiser;
3. your disinclination to travel or your loss of enjoyment of the journey;
4. unemployment of which you were aware prior to the booking of the journey .
Conditions
In the addition to the General Conditions, the payment of claims under this section of the Policy is conditional upon:
1. anyone upon whom the journey depends not having received a terminal prognosis from a registered medical practitioner prior to the journey being booked;
2. you not awaiting medical treatment as a hospital in-patient prior to any journey being booked unless it has been accepted in writing by us;
3. you at no time booking a journey if you know of any reason why it may be cancelled;
4. if unemployed you being registered for work with the employment service.
5. you providing us with a cancellation invoice or your unused tickets and proof of purchase.
Excess
You will be required to pay the first £50 (reduced to £10 for loss of a holiday deposit only) for each and every incident giving rise to a claim under this section. Excesses do not apply to children when travelling with an Insured adult.
Curtailment of a Journey
The purpose of this Section is to cover any additional expenses that you may incur as a result of you having to curtail your journey because of hospitalisation or for compassionate or other reasons.
If you need to curtail your journey or expect to have to extend your stay because of illness or injury you must inform the Assistance Service immediately and before arrangements are made.
We will pay you up to £2,500 for loss of personal accommodation and transport charges or travel expenses (including up to £150 for the loss of excursion charges, pre-paid in the United Kingdom due to the necessary curtailment (the cutting short) of your journey as a result of:
a. your death, serious injury or illness or that of:
- a companion upon whom your travel depends
- a member of your immediate family
- a business partner resident in the United Kingdom;
- a person resident abroad in whose home you are intending to stay, or
b. you, or a companion upon whom your travel depends being required:
- by the Police following a serious burglary, fire, storm or flood damage to your home or usual place of business in the United Kingdom, or
- to attend a United Kingdom Court of Law as a witness or for Jury Service when postponement of the Jury Service has been denied by a Court Official.
Exclusions
We will not pay for any event that is the result of:
- your disinclination to travel or your loss of enjoyment of the journey weather conditions
- any claim arising directly or indirectly from pregnancy within two months prior to the estimated date of delivery or within seven days of delivery
- any additional or unused travel or accommodation costs to your journey destination or home following curtailment any travel or accommodation expenses incurred without the consent of the Assistance Service
- any event relating to you which is a result of your failure to obtain a Medical Certificate from the treating Medical Practitioner in the locality where you are staying stating the necessity for your early return to the United Kingdom .
Conditions
In addition to the General Conditions, the payment of claims under this Section of the Policy is conditional upon you:
- not travelling contrary to medical advice or specifically to obtain medical treatment
- or anyone upon whom the journey depends not having received a terminal prognosis from a Registered Medical Practitioner prior to the journey being booked
- at no time booking a journey if you know of any reason why it may be curtailed
- while on a journey, immediately advising Our Assistance Service of any event which might result in the curtailment of your journey, giving full details
- accepting our decision concerning the most suitable, practical and reasonable solution to the problem.
Excess
You will be required to pay the first £50 for each and every incident giving rise to a claim under this section. Excesses do not apply to children when travelling with an Insured adult.

Where agreed in writing we will pay up to £2,000,000 in total under this policy in respect of all sums plus costs that are legally liable to be paid relating to an event caused by you during the period of insurance and which results in:
- bodily injury of any person
- accidental loss or damage to property that does not belong to you nor is in your charge nor under the control of you or any member of your family
- accidental loss or damage to your temporary journey accommodation that does not belong to you or any member of your family.
Exclusions
We will not pay for:
1. Any liability for loss or damage to property, or death or bodily injury arising from:
- your deliberate act or omission
- the employment, business or profession of you or a member of your family
- your ownership, care, custody or control of any animal
- an agreement unless the liability would have existed otherwise
- your family or an employee of you or your family
- your leadership of a group participating in any activity
- the occupation of land or buildings by you other than your temporary journey accommodation
- ownership or use of any aircraft, horse-drawn, waterborne, motorised, mechanically propelled or towed vehicle or of any firearm .
Excess
You will be required to pay the first £100 for each and every incident other than bodily injury giving rise to a claim under this section
Claims Guidance
- Full details of the circumstances giving rise to the claim, plus any supporting evidence will be required
- Never admit liability or take any action without our prior agreement
- Inform us immediately of all developments of the claim and pass all related correspondence to us without delay.

Travel Advice and Assistance
For information call the following numbers:
USA or Canada - call toll free:  1 866 496 5249
South America or Caribbean 905 816 2586
- call collect: (Canada)
Anywhere else in the world: +44 870 024 2796
Legal Advice Line call:  +44 (0)870 240 0287
These help lines are open 24 hours, every day of the year.

Emergency Assistance Service
Our Emergency Assistance Service is operated by AAI and Intergroup Assistance, both organisations specialise in emergency assistance services. This service is available to all travellers insured under this policy and operates 24 hours a day, every day of the year.
To obtain emergency medical assistance in North or South America and the Caribbean.
This service is provided by AAI:
USA or Canada - call toll free: 1 866 496 5249
South America or Caribbean 905 816 2586
- call collect: (Canada)
Fax (Canada): 905 791 5807
To obtain emergency medical assistance anywhere else in the world.
This service is provided by Intergroup Assistance:
Phone: +44 870 024 2796
Fax: +44 1420 566121
Please quote your Policy reference number which can be found on your Policy pack.

The payment of claims under this Policy is conditional on each insured person not participating in any activity or pursuit that is not specified in the Insured Pursuits Section of the Policy or manual work.
Insured Pursuits
You are automatically covered to try the following non-contact sports arranged by your hotel, holiday organiser or a recognised provider of the service;
Aerobics Parascending (towed by boat)
Archery Swimming (in pool or *)
Badminton Roller Skating
Basketball Ice-skating (rink only)
Beach Games Skateboarding
Bowls Cricket Snooker/Pool/Billiards
Fishing
Rafting / Canoeing / Kayaking (including white water up to grade 3)
Snorkelling Horse Riding (excluding jumping)
Squash Cycling (excluding BMX and Mountain)
Surfing Fell Walking / Rambling/Trekking
Table Tennis Water-skiing
Tennis Windsurfing
Volleyball Yachting / Boating / Sailing / Rowing
*Only on inland or coastal waters within a 12 mile limit.
Conditions
a) The activities must be conducted in a safe and professional manner and where appropriate supervised by a qualified person or arranged through a recognised provider of the service.
b) you must not act in an irresponsible manner or expose yourself to needless danger.
Exclusions
We will not pay for any event that is the result of:
a) your participation in an Insured Pursuit in any professional capacity
b) your participation in any Insured Pursuit against local warning or advice
If you are taking part in any other sport or activity not listed above, or if the main purpose of your holiday is to pursue any particular activity, please contact 0845 300 7700 .

Exclusions
A. We will not pay for any financial loss or deterioration of or loss of or damage to property, or any legal liability, injury, illness, death or expense caused by, contributed to or arising from:
1) war, invasion, a terrorist act/ terrorism (this exclusion does not apply to medical Emergency and Repatriation except where nuclear, chemical or biological weapons/ agents are used) , act of foreign enemy, hostilities (whether war be declared or not) , civil war, rebellion, revolution, military or usurped power, or travel to a destination where the Foreign and Commonwealth Office has advised against all travel;

Exclusions
A. We will not pay for any financial loss or deterioration of or loss of or damage to property, or any legal liability, injury, illness, death or expense caused by, contributed to or arising from:
1) war, invasion, a terrorist act/ terrorism (this exclusion does not apply to medical Emergency and Repatriation except where nuclear, chemical or biological weapons/ agents are used) , act of foreign enemy, hostilities (whether war be declared or not) , civil war, rebellion, revolution, military or usurped power, or travel to a destination where the Foreign and Commonwealth Office has advised against all travel;

General Conditions and Exclusions
Applicable to all sections
Conditions
A. The payment of claims under this Policy is conditional on each insured person:
1) being a resident of the United Kingdom;
2) taking ordinary and reasonable care to safeguard against accident, injury, loss or damage as if the Policy was not in force;
3) notifying the police or the carrier, as appropriate, as soon as reasonably possible and within 24 hours for losses under sections 2, 4 and 9, giving full details of any incident which may result in a claim under the Policy;
4) notifying us of any claim within two months of the event;
5) forwarding to us immediately upon receipt every writ, summons, legal process or other communication in connection with a claim;6) giving all the necessary information, documentation and assistance that
we may require at your expense, including, where necessary, medical certification and details of your Household Insurance and any other insurance which may cover a claim under this Policy;
7) not admitting liability or making an offer or promise of payment without our written consent;
8) travelling only to the Geographical Regions identified on your Policy;
9) not participating in hazardous activities or manual work;
10) being aged 64 or less at the date of issue of the Policy.
B. We reserve the right to:
1) decline any claim which is directly or indirectly related to an existing medical condition suffered by you or a travelling companion which was not disclosed to and accepted in writing by us at the date of issue of
this Policy;
2) decline any claim which is in any way fraudulent and cancel the Policy;
3) take over and deal with in your name the defence or settlement of any claim made under this Policy;
4) take proceedings in your name but at our expense to recover for our benefit the amount of any payment made under the Policy ( in legal terms known as subrogation ) ;
5) cancel all benefits provided by the Policy for a journey when a payment is made under Section 5 or Section 6 for that journey ;
6) not refund the premium unless you call us to cancel within 14 days of purchase provided you have not travelled or made a claim;
7) cancel the cover in the event of the non- payment of the premium;
8) have the benefit and use of any unused travel tickets in the event of your repatriation.
9) exclude cover for a medical condition if your health changes during the period of insurance. Please call Our helpline on 0845 300 77 00 if anyone covered on the policy has a change in health and well advise if cover still applies or try to arrange another Tesco Insurance quote;
10) have the benefit and use of any unused travel tickets in the event of your repatriation.

Reciprocal health agreements
The Department of Health needs to ensure that UK travellers in Europe now carry the new European Health Insurance Card ( EHIC) which has recently replaced the E111. This will provide you with reduced cost or free state-provided medical treatment in most European countries. For more information or to apply for your free EHIC visit www. dh. gov. uk/ travellers.
If you use a EHIC to reduce the cost of your medical treatment in Europe, you will not have to pay the excess for any medical expense claim under this policy