Travel-insurance-web.com Annual Multi Trip Travel

31 days

SECTION 4 EMERGENCY MEDICAL EXPENSES
Covered
You are covered up to £10,000,000 for costs incurred outside your country of residence for:
1) reasonable emergency medical treatment (including necessary physiotherapy but only when authorised by the Assistance Service);
2) emergency dental treatment (for pain relief only), limited to £200;
3) reasonable and necessary additional accommodation (bed and breakfast only) and travelling expenses (on the same basis as your original booking). This includes those of one relative or travel companion if
you have to be accompanied home on medical advice or on compassionate grounds or if you are a child and require an escort home (in the event that they have applied for and received written authorisation from the Assistance Service);
4) repatriation to your home by medically appropriate means, as determined by the Assistance Service;
5) in the event of your death: reasonable costs for the transport of your body or ashes to your country of residence (the cost of burial or cremation is not included); or local funeral expenses abroad, limited to £3,000;
Conditions
1) You must contact the Assistance Service immediately should you be admitted to hospital or require on-going out-patient treatment overseas.
2) All treatment or expenses must be authorised by the Assistance Service.
3) You must maintain contact with the Assistance Service until your return to your country of residence or until you no longer require treatment or assistance.
4) If you are travelling to a country in the European Union, you must take with you an EHIC. We will waive the policy excess under this Section if you use the EHIC or another reciprocal health agreement to reduce the amount of your claim.
5) If you require medical treatment in Australia, you must register with Medicare via their local office. (Any treatment not available under Medicare must be authorised by the Assistance Service).
6) In the event of repatriation, any value remaining in unused original return travel tickets, which is recoverable, shall be deducted from the amount of the claim.
7) We reserve the right to:
a) repatriate you when, in the opinion of the treating doctor and the Assistance Service, you are fit to travel;
b) avoid further liability in the event that you refuse repatriation when, in the opinion of the treating doctor and the Assistance Service, you are fit to travel;
c) transfer you to the hospital, clinic or location of our choice when, in the opinion of the treating doctor and the Assistance Service, you are fit to be transferred.
24 hour Assistance Service Telephone Number: +44 (0) 870 905 8548
Not Covered
1) the policy excess of £50;
2) any medical or dental treatment costs incurred in the United Kingdom or your country of residence;
3) any transport or accommodation costs incurred in the United Kingdom or your country of residence, unless authorised by the Assistance Service;
4) any costs covered under a reciprocal health arrangement (e.g. EHIC within EU countries, reciprocal cover in Austria, Channel Islands, Eire and New Zealand, Medicare in Australia);
5) any costs recoverable from another source; (e.g. where another insurance may cover the same loss);
6) medical costs relating to pregnancy, other than complications of pregnancy known prior to the 29th week if pregnancy was known after this policy was issued or the date the trip was booked (whichever is later) and you have not had complications with any previous pregnancy, or medical costs relating to pregnancy if your policy is an annual policy and the pregnancy was known at the time the trip was booked;
7) any claim where at the time this policy was issued, the person whose condition gives rise to the claim is an in-patient (or awaiting admission or booked to be admitted to a hospital, hospice or nursing home);
8) any claim where at the departure date, you or your travel companion are travelling against the advice of a medical practitioner or travelling for the purposes of obtaining medical treatment;
9) any claim arising directly or indirectly as a result of a medical condition which has been suffered by you or for which medication, advice or treatment or admission has been received by you or has been under investigation or review in the last 12 months prior to the date this policy was issued or the date the trip was booked (whichever is later) unless declared to us, agreed by us on your insurance schedule and additional premium paid if required;
10) any costs for in-patient treatment, on-going out-patient treatment or curtailment of a trip on medical grounds without prior authorisation from the Assistance Service;
11) any costs for surgery or medical treatment which, in the opinion of the Assistance Service, can reasonably be delayed until your return to your country of residence;
12) any costs for medication and/or treatment which, at the time of departure, is known to be required or continued outside your country of residence;
13) the cost of any routine or elective (non-emergency) care or treatment, including specialist review or referral, investigations, treatment or surgery;
14) claims that are not confirmed as medically necessary by the Assistance Service;
15) additional hospital costs arising from single or private room accommodation, unless medically necessary;
16) further costs you incur if we wish to bring you home early but you refuse (where in the opinion of the treating doctor and the Assistance Service you are fit to travel);
17) travelling on motorcycles over 125cc;
18) anything listed in Exclusions applicable to the whole policy.

SECTION 3 PERSONAL ACCIDENT
Covered
You are covered for personal accident benefits, which will be paid to you or your legal representative, if you sustain bodily injury caused solely and directly by outward violence and visible means during your trip which, at the end of 12 months of the occurrence of that accident, is the sole cause of:
1) your death (£10,000);
2) the physical loss of or permanent and total loss of use of one or more limbs at or above the wrist or ankle (£10,000);
3) the complete and irrecoverable loss of sight in one or both eyes (£10,000);
4) permanent total disablement which prevents you from attending to any business or occupation in any capacity for a period of 12 months and which, in the opinion of our medical and/or vocational advisors, will not improve (£25,000).
Conditions
1) Points 2, 3 and 4 above may be subject to the Continental Scale of Benefits (available on request);
2) If you are aged under 16 at the time of the accident, the death benefit will be limited to funeral and other reasonable costs up to £3,000 and the permanent total disablement benefit will not apply;
3) The permanent total disablement benefit is limited to 50% if you were not employed for six months prior to the departure date of the trip in which the accident occurred.
4) No benefits shall be paid for more than one loss suffered.
5) You must agree to examination by our medical and/or vocational advisors.
Not Covered
1) any claims caused as a consequence of:
a) disease or any physical defect or illness;
b) an injury which existed prior to the beginning of the trip/purchase of the policy;
2) anything listed in Exclusions applicable to the whole policy.

SECTION 5 ADDITIONAL HOSPITAL BENEFIT
This benefit payment contributes towards miscellaneous expenses incurred whilst you are an inpatient (e.g. taxi fares and telephone calls). It does not provide compensation for loss of holiday/enjoyment.
Covered
You are covered up to up to the limit stated on your policy schedule for:
1) payment of £25 for each complete 24 hours you spend in hospital as a result of you being admitted as an in-patient to a registered hospital.
This is in addition to any medical expenses incurred under Section 4, Emergency Medical Expenses.
Conditions
1. This benefit is payable only if the hospital admission has been covered under the terms of Section 4, Emergency Medical Expenses.
2. In the event of a claim you must provide documentation confirming the date and time of admission and discharge.
Not Covered
1. anything listed in Exclusions applicable to the whole policy.

SECTION 4 EMERGENCY MEDICAL EXPENSES
Covered
You are covered up to £10,000,000 for costs incurred outside your country of residence for:
2) emergency dental treatment (for pain relief only), limited to £200;

SECTION 4 EMERGENCY MEDICAL EXPENSES
Covered
You are covered up to £10,000,000 for costs incurred outside your country of residence for:
5) in the event of your death: reasonable costs for the transport of your body or ashes to your country of residence (the cost of burial or cremation is not included); or local funeral expenses abroad, limited to £3,000;

SECTION 4 EMERGENCY MEDICAL EXPENSES
Covered
You are covered up to £10,000,000 for costs incurred outside your country of residence for:
5) in the event of your death: reasonable costs for the transport of your body or ashes to your country of residence (the cost of burial or cremation is not included); or local funeral expenses abroad, limited to £3,000;

SECTION 7 CASH AND DOCUMENTS
Covered
You are covered up to £500 for accidental loss or theft of your own cash and/or documents. Cash is only covered whilst being carried on your person or left in a locked safety deposit box. Cash is limited to £100.
Condition
In the event of a claim for loss of cash you must provide evidence of the initial withdrawal of the cash and also evidence of how you coped financially immediately after the loss (e.g. currency exchange/withdrawal slips, bank/credit card statements).
Not Covered
the policy excess of £50 (except for cash only claims, where the excess is £20);
if you do not exercise reasonable care in protecting your cash and documents against loss, theft or damage;
documents left unattended by you, unless located in locked accommodation and where an appropriately sized safety deposit box was not available for use by you;
documents left in the custody of a person who does not have an official responsibility for the safekeeping of the property;
documents stolen from an unattended vehicle:
unless they were in the locked glove compartment or locked rear boot or luggage area of the vehicle and were covered so as not to be visible from the outside of the vehicle;
if there is no visible evidence of forcible and violent entry;
left for any period between the hours of 8pm and 8am (other than motor homes);
you do not obtain a written police report within 24 hours of the discovery in the event of loss, burglary or theft of cash and/or documents any shortages due to error, omission or depreciation in value;
anything listed in Exclusions applicable to the whole policy.

SECTION 12 LEGAL EXPENSES
Covered
You are covered up to £25,000 for legal costs and expenses incurred to claim for compensation or damages if you suffer physical bodily injury or you die during the period of your trip as a result of an Accident. (For the purposes of this policy, bodily injury sustained as a result of a medical condition(s) caused or happening occurring as a result of travelling or travel conditions, or bodily injury sustained as a result of medical malpractice, any incorrect medical procedure(s) performed or incorrect diagnosis, shall not be considered an Accident).
Conditions
1) You must obtain as much information as possible, including police reports, witness details and any photographs and contact the Claims Service as soon as possible, submitting your request in writing.
2) We shall have control over the legal proceedings and the selection, appointment and control of a solicitor. You must follow the advice provided by our appointed legal representatives. Failure to do so will result in cover being withdrawn.
3) In the event that you are awarded legal costs as part of any judgement or settlement, we shall be entitled to repayment by you of any sums paid under this Section.
4) In the event that you are awarded compensation (by judgement or settlement), we shall be entitled to recover from you, two thirds of any sum paid to you under any Section of this policy on account of the same incident for which compensation is received.
5) If there is more than one insured claiming, we shall apply a maximum limit of double the individual sum insured in respect to all claimants.
Not Covered
1) the policy excess of £200;
2) any claim reported to us more than 30 days after the occurrence of the incident giving rise to the claim;
3) costs incurred in pursuit of any claim against us, our agents, an Insurer underwriting any section of this policy, a travel agent, a tour operator or carrier;
4) legal expenses incurred either prior to our written acknowledgement granting our support or obtained without our written consent;
5) any claim where we consider a reasonable settlement is unlikely or where the cost of the action could be more than the settlement;
6) any cost for bringing a legal action in more than one country for the same event;
7) actions between members of the same household, a relative or travelling companion, or actions to enforce a judgement or legally binding decision;
8) any amount deducted in legal fees from your compensation or damages, which has been calculated as a proportion or percentage of those damages;
9) the funding of any appeal costs;
10) travel and accommodation expenses incurred in pursuit of a legal action;
11) any contingent fee arrangement between you and your legal representatives;
12) any legal costs resulting from criminal proceedings;
13) anything listed in Exclusions applicable to the whole policy.

SECTION 8 LOSS OF PASSPORT/DRIVING LICENCE
Covered
You are covered up to £250 for:
1) reasonable travel or accommodation expenses over and above any payment which you would normally have made during your trip if no loss had been incurred, that you have to pay as a result of you needing to replace a lost or stolen passport/driving licence.
Condition
1) You must provide receipts for all costs incurred.
Not Covered
1) the policy excess of £50;
2) any costs that you would have incurred had you not lost your passport or driving licence;
3) if you do not exercise reasonable care for the safety or supervision of your passport/driving licence;
4) costs arising from any loss not covered under Section 7, Cash and Documents;
5) if you do not obtain a written police report within 24 hours of the loss;
6) loss, destruction or damage arising from confiscation or detention by Customs or other officials or authorities;
7) anything listed in Exclusions applicable to the whole policy.

SECTION 8 LOSS OF PASSPORT/DRIVING LICENCE
Covered
You are covered up to £250 for:
1) reasonable travel or accommodation expenses over and above any payment which you would normally have made during your trip if no loss had been incurred, that you have to pay as a result of you needing to replace a lost or stolen passport/driving licence.
Condition
1) You must provide receipts for all costs incurred.
Not Covered
1) the policy excess of £50;
2) any costs that you would have incurred had you not lost your passport or driving licence;
3) if you do not exercise reasonable care for the safety or supervision of your passport/driving licence;
4) costs arising from any loss not covered under Section 7, Cash and Documents;
5) if you do not obtain a written police report within 24 hours of the loss;
6) loss, destruction or damage arising from confiscation or detention by Customs or other officials or authorities;
7) anything listed in Exclusions applicable to the whole policy.

SECTION 13 HIJACK
Covered
You are covered up to the amounts shown on your policy schedule for each full 24 hour period during the unlawful seizure or wrongful exercise of control over you or of an aircraft or conveyance in which you are travelling as a passenger.
Not Covered
1) if you or your family or your business associates have engaged in activities that could be expected to increase the risk of hijack;
2) anything listed in Exclusions applicable to the whole policy.

SECTION 6 BAGGAGE
Covered
A PERSONAL BAGGAGE
Up to up to the limit stated on your policy schedule for the value of, or repair to, any of your own personal baggage (not hired, loaned or entrusted to you), which is lost, stolen, damaged or destroyed (after making proper allowance for wear and tear and depreciation) limited to:
a) the Single Item Limit of £250 for anyone item, pair or set of items;
b) the Valuables Limit of £250 for all valuables in total;
c) £100 in total for personal baggage on the beach;
The maximum payment for eyeglasses/contact lenses (including sunglasses) shall be £50.

BAGGAGE
Covered
A PERSONAL BAGGAGE
Up to up to the limit stated on your policy schedule for the value of, or repair to, any of your own personal baggage (not hired, loaned or entrusted to you), which is lost, stolen, damaged or destroyed (after making proper allowance for wear and tear and depreciation) limited to:
a) the Single Item Limit of £250 for any one item, pair or set of items;
b) the Valuables Limit of £250 for all valuables in total;
c) £100 in total for personal baggage on the beach;
The maximum payment for eyeglasses/contact lenses (including sunglasses) shall be £50.
B DELAYED BAGGAGE
Up to £75 for the cost of buying emergency necessities if your personal baggage is delayed in reaching you on your outward journey for at least 12 hours and you have a written report from the carrier (e.g. airline, shipping company etc.) or tour representative. Receipts will be required in the event of a claim.
Conditions
1) Any amount we pay you under B. (Delayed Baggage) will be deducted from the final claim settlement if your personal baggage is permanently lost.
2) You must obtain written proof of the incident from the police, your accommodation management, tour operator or carrier, within 24 hours of the discovery in the event of loss, burglary or theft of the personal
baggage. Failure to do so may result in your claim being turned down.
3) In the event of a claim for damaged items, proof of the damage must be supplied.
4) In the event of a claim for a pair or set of items, we shall be liable only for the value of that part of the pair or set which is lost, stolen, damaged or destroyed.
5) If the repair cost is more than the value of an item, we will assess the claim as if the item has been lost.
Not Covered
1) the policy excess of £50 under (A) Personal Baggage;
2) any item, pair or set of items with a value of over £50, if an original receipt, valuation report or other acceptable proof of ownership and value cannot be supplied to support your claim. The total amount payable for all such items will be £250;
3) if you do not exercise reasonable care for the safety and supervision of your property;
4) personal baggage left unattended by you, unless located in locked accommodation and where an appropriately sized safety deposit box was not available for use by you;
5) personal baggage left in the custody of a person who does not have an official responsibility for the safekeeping of the property;
6) personal baggage stolen from an unattended vehicle:
a) unless it was in the locked glove compartment or locked rear boot or luggage area of the vehicle and was covered so as not to be visible from the outside of the vehicle;
b) if there is no visible evidence of forcible and violent entry;
c) left for any period between the hours of 8pm and 8am (other than motor homes);
7) valuables left in a motor vehicle (other than motor homes, provided the valuables are stored out of view);
8) valuables within checked-in luggage or in luggage compartments/racks not immediately adjacent to you on any form of public transport (other than hand luggage that stays with you at all times);
9) damage to personal baggage whilst in the custody of an airline;
10) if your personal baggage is lost or delayed in transit and you do not:
a) notify the carrier (i.e. airline, shipping company etc) immediately and obtain a written carriers report (or Property Irregularity Report in the case of an airline); or
b) follow up in writing within 7 days to obtain a written carriers report (or Property Irregularity Report in the case of an airline) if you are unable to obtain one immediately;
11) loss, destruction, damage or theft of the following property:
a) corneal lenses, hearing aids, dentures and false body parts or other prostheses;
b) watches and jewellery (unless as a result of mugging or any form of physical violence to you);
c) glass, china, pictures, musical instruments, antiques and precious stones;
d) pedal cycles, dinghies, boats and/or ancillary equipment, vehicles or vehicle accessories (other than wheelchairs and pushchairs);
e) tools of trade;
f) perishable items e.g. food;
12) loss, destruction, damage or theft due to:
a) confiscation or detention by Customs or other officials or authorities;
b) wear and tear, process of cleaning, denting or scratching, staining, moth or vermin;
c) transportation by any postal service;
13) electrical or mechanical breakdown or manufacturing fault;
14) breakage of fragile or brittle articles being transported by a carrier, unless the breakage is due to fire or other accident to the vessel, aircraft or vehicle in which they are being carried;
15) any property more specifically insured or recoverable under any other source. Any reimbursement received will be deducted from the amount of your claim under this section;
16) stamps, documents, deeds, samples or merchandise, manuscripts or securities of any kind;
17) additional sports equipment (unless the appropriate premium has been paid and this is shown on your insurance schedule);
18) anything listed in Exclusions applicable to the whole policy.

BAGGAGE
Covered
A PERSONAL BAGGAGE
Up to up to the limit stated on your policy schedule for the value of, or repair to, any of your own personal baggage (not hired, loaned or entrusted to you), which is lost, stolen, damaged or destroyed (after making proper allowance for wear and tear and depreciation) limited to:
a) the Single Item Limit of £250 for any one item, pair or set of items;
b) the Valuables Limit of £250 for all valuables in total;
c) £100 in total for personal baggage on the beach;
The maximum payment for eyeglasses/contact lenses (including sunglasses) shall be £50.
B DELAYED BAGGAGE
Up to £75 for the cost of buying emergency necessities if your personal baggage is delayed in reaching you on your outward journey for at least 12 hours and you have a written report from the carrier (e.g. airline, shipping company etc.) or tour representative. Receipts will be required in the event of a claim.
Conditions
1) Any amount we pay you under B. (Delayed Baggage) will be deducted from the final claim settlement if your personal baggage is permanently lost.
2) You must obtain written proof of the incident from the police, your accommodation management, tour operator or carrier, within 24 hours of the discovery in the event of loss, burglary or theft of the personal
baggage. Failure to do so may result in your claim being turned down.
3) In the event of a claim for damaged items, proof of the damage must be supplied.
4) In the event of a claim for a pair or set of items, we shall be liable only for the value of that part of the pair or set which is lost, stolen, damaged or destroyed.
5) If the repair cost is more than the value of an item, we will assess the claim as if the item has been lost.
Not Covered
1) the policy excess of £50 under (A) Personal Baggage;
2) any item, pair or set of items with a value of over £50, if an original receipt, valuation report or other acceptable proof of ownership and value cannot be supplied to support your claim. The total amount payable for all such items will be £250;
3) if you do not exercise reasonable care for the safety and supervision of your property;
4) personal baggage left unattended by you, unless located in locked accommodation and where an appropriately sized safety deposit box was not available for use by you;
5) personal baggage left in the custody of a person who does not have an official responsibility for the safekeeping of the property;
6) personal baggage stolen from an unattended vehicle:
a) unless it was in the locked glove compartment or locked rear boot or luggage area of the vehicle and was covered so as not to be visible from the outside of the vehicle;
b) if there is no visible evidence of forcible and violent entry;
c) left for any period between the hours of 8pm and 8am (other than motor homes);
7) valuables left in a motor vehicle (other than motor homes, provided the valuables are stored out of view);
8) valuables within checked-in luggage or in luggage compartments/racks not immediately adjacent to you on any form of public transport (other than hand luggage that stays with you at all times);
9) damage to personal baggage whilst in the custody of an airline;
10) if your personal baggage is lost or delayed in transit and you do not:
a) notify the carrier (i.e. airline, shipping company etc) immediately and obtain a written carriers report (or Property Irregularity Report in the case of an airline); or
b) follow up in writing within 7 days to obtain a written carriers report (or Property Irregularity Report in the case of an airline) if you are unable to obtain one immediately;
11) loss, destruction, damage or theft of the following property:
a) corneal lenses, hearing aids, dentures and false body parts or other prostheses;
b) watches and jewellery (unless as a result of mugging or any form of physical violence to you);
c) glass, china, pictures, musical instruments, antiques and precious stones;
d) pedal cycles, dinghies, boats and/or ancillary equipment, vehicles or vehicle accessories (other than wheelchairs and pushchairs);
e) tools of trade;
f) perishable items e.g. food;
12) loss, destruction, damage or theft due to:
a) confiscation or detention by Customs or other officials or authorities;
b) wear and tear, process of cleaning, denting or scratching, staining, moth or vermin;
c) transportation by any postal service;
13) electrical or mechanical breakdown or manufacturing fault;
14) breakage of fragile or brittle articles being transported by a carrier, unless the breakage is due to fire or other accident to the vessel, aircraft or vehicle in which they are being carried;
15) any property more specifically insured or recoverable under any other source. Any reimbursement received will be deducted from the amount of your claim under this section;
16) stamps, documents, deeds, samples or merchandise, manuscripts or securities of any kind;
17) additional sports equipment (unless the appropriate premium has been paid and this is shown on your insurance schedule);
18) anything listed in Exclusions applicable to the whole policy.

SECTION 9 TRAVEL DELAY AND TRIP ABANDONMENT
This section does not apply to trips within your country of residence.
Covered
A In the event of your outward or return flight, sea crossing, coach or train departure to or from your country of residence being delayed for more than 12 hours beyond the intended departure time (as specified on your travel ticket) as a result of:
1) adverse weather conditions;
2) mechanical breakdown or technical fault of the aircraft, coach, train or sea vessel;
3) strike, industrial action or security alert (provided that when this policy was issued or the trip was booked, whichever was later, no such action had already been declared and therefore there was no reasonable expectation that this would affect your trip);
we will pay £20 per insured person for each complete 12 hours you are delayed, up to a maximum of £105. If you incur more than 24 hours delay on your outward flight, sea crossing, coach or train departure from your country of residence, you may abandon your trip and claim under Section 1, Cancellation (less the excess);
B If you abandon your trip as a result of your vehicle being involved in an accident or mechanical breakdown en route to your departure point from your country of residence, rendering it impossible for you to undertake your planned itinerary, we will pay up to the limit under Section 1, Cancellation, (less the £50 excess).
Conditions
1) In the event of a claim due to delayed public transport you must provide documentation from the transport company, confirming the period of and the reason for the delay.
2) In the event of a claim due to vehicle breakdown, you must provide a police or roadside assistance report.
Not Covered
1) the policy excess of £50 if you abandon your trip;
2) where you have not checked in, allowing sufficient time, for your outward or return journey;
3) any claims arising from withdrawal from service temporarily or otherwise of the aircraft, coach, train or sea vessel on the orders or recommendation of the Civil Aviation Authority or a Port Authority or similar body in any country;
4) internal flights which do not form part of your outbound or inbound journey to/from your country of residence;
5) anything listed in Exclusions applicable to the whole policy.

SECTION 10 MISSED DEPARTURE
This section does not apply to trips within your country of residence.
Covered
You are covered up to the limit stated on your policy schedule for necessary hotel and travelling expenses incurred in reaching your booked destination, if you arrive too late to commence your booked trip from or to your country of residence as a result of:
1) the vehicle in which you are travelling being involved in an accident or breakdown or you being delayed as a result of a major accident on a motorway;
2) the public transport used being delayed.
Conditions
1) In the event of a claim due to vehicle breakdown or a road accident, you must provide a police or roadside assistance report.
2) In the event of a claim due to delayed public transport you must provide documentation from the transport company, confirming the period of and the reason for the delay.
Not Covered
1) the policy excess of £50;
2) if sufficient time has not been allowed for your journey in order to meet the check-in time specified by the transport providers or agent;
3) if you are not proceeding directly to the departure point;
4) any costs claimed under Section 9, Travel Delay and Abandonment, which relate to the same trip;
5) anything listed in Exclusions applicable to the whole policy.

SECTION 9 TRAVEL DELAY AND TRIP ABANDONMENT
This section does not apply to trips within your country of residence.
Covered
A In the event of your outward or return flight, sea crossing, coach or train departure to or from your country of residence being delayed for more than 12 hours beyond the intended departure time (as specified on your travel ticket) as a result of:
1) adverse weather conditions;
2) mechanical breakdown or technical fault of the aircraft, coach, train or sea vessel;
3) strike, industrial action or security alert (provided that when this policy was issued or the trip was booked, whichever was later, no such action had already been declared and therefore there was no reasonable expectation that this would affect your trip);
we will pay £20 per insured person for each complete 12 hours you are delayed, up to a maximum of £105. If you incur more than 24 hours delay on your outward flight, sea crossing, coach or train departure from your country of residence, you may abandon your trip and claim under Section 1, Cancellation (less the excess);
B If you abandon your trip as a result of your vehicle being involved in an accident or mechanical breakdown en route to your departure point from your country of residence, rendering it impossible for you to undertake your planned itinerary, we will pay up to the limit under Section 1, Cancellation, (less the £50 excess).
Conditions
1) In the event of a claim due to delayed public transport you must provide documentation from the transport company, confirming the period of and the reason for the delay.
2) In the event of a claim due to vehicle breakdown, you must provide a police or roadside assistance report.
Not Covered
1) the policy excess of £50 if you abandon your trip;
2) where you have not checked in, allowing sufficient time, for your outward or return journey;
3) any claims arising from withdrawal from service temporarily or otherwise of the aircraft, coach, train or sea vessel on the orders or recommendation of the Civil Aviation Authority or a Port Authority or similar body in any country;
4) internal flights which do not form part of your outbound or inbound journey to/from your country of residence;
5) anything listed in Exclusions applicable to the whole policy.

SECTION 9 TRAVEL DELAY AND TRIP ABANDONMENT
This section does not apply to trips within your country of residence.
Covered
A In the event of your outward or return flight, sea crossing, coach or train departure to or from your country of residence being delayed for more than 12 hours beyond the intended departure time (as specified on your travel ticket) as a result of:
1) adverse weather conditions;
2) mechanical breakdown or technical fault of the aircraft, coach, train or sea vessel;
3) strike, industrial action or security alert (provided that when this policy was issued or the trip was booked, whichever was later, no such action had already been declared and therefore there was no reasonable expectation that this would affect your trip);
we will pay £20 per insured person for each complete 12 hours you are delayed, up to a maximum of £105. If you incur more than 24 hours delay on your outward flight, sea crossing, coach or train departure from your country of residence, you may abandon your trip and claim under Section 1, Cancellation (less the excess);
B If you abandon your trip as a result of your vehicle being involved in an accident or mechanical breakdown en route to your departure point from your country of residence, rendering it impossible for you to undertake your planned itinerary, we will pay up to the limit under Section 1, Cancellation, (less the £50 excess).
Conditions
1) In the event of a claim due to delayed public transport you must provide documentation from the transport company, confirming the period of and the reason for the delay.
2) In the event of a claim due to vehicle breakdown, you must provide a police or roadside assistance report.
Not Covered
1) the policy excess of £50 if you abandon your trip;
2) where you have not checked in, allowing sufficient time, for your outward or return journey;
3) any claims arising from withdrawal from service temporarily or otherwise of the aircraft, coach, train or sea vessel on the orders or recommendation of the Civil Aviation Authority or a Port Authority or similar body in any country;
4) internal flights which do not form part of your outbound or inbound journey to/from your country of residence;
5) anything listed in Exclusions applicable to the whole policy.

SECTION 11 PERSONAL LIABILITY
Covered
You are covered up to £2,000,000 for legal expenses and legal liability for damages incurred by you which are caused by an accident that occurred during your trip, leading to a claim made against you as a result of:
1) accidental bodily injury to a person who is not a member of your family or household, a travelling companion or employed by you;
2) loss of or damage to any property which does not belong to, is not in the charge of, and is not in the control of you, any member of your family or household, any travelling companion or any person employed by you (except hired wheelchairs);
3) loss of or damage to your temporary holiday accommodation that does not belong to you, any member of your family or household, any travelling companion or anyone employed by you.
Condition
1) No liability shall be admitted and no admission, arrangement, offer, promise or payment shall be made by you without our written consent.
2) We are entitled to take over any rights in the defence or settlement of any claim and to take proceedings in your name for our benefit against any other party.
3) You must, wherever possible, provide all such information and assistance as we require.
Not Covered
1) the policy excess of £100;
2) fines imposed by a Court of Law or other relevant bodies;
3) anything caused as a consequence of:
a) liability which you incur as a result of an agreement that you made which would not apply in the absence of that agreement;
b) injury, loss or damage arising from:
i) ownership or use of aircraft, horse-drawn or mechanical/motorised vehicles, bicycles, vessels (other than rowing boats, punts or canoes), animals or firearms;
ii) the occupation (except temporarily for the purpose of the trip) or ownership of any land or buildings
iii) the carrying out of any trade, profession, manual work or hazardous occupation;
iv) racing of any kind;
v) any deliberate or criminal act;
4) liability as an employer or under any other contract or insurance policy;
5) all forms of pollution and contamination;
6) anything listed in Exclusions applicable to the whole policy.

D SPORTS AND ACTIVITIES
You are covered to participate in the following sports and activities (provided you are not participating on a professional basis):
angling, archery*, athletics*, badminton, banana boating, baseball*, basketball, billiards, body boarding, bowling, boxing training (no contact), camel riding*, canoeing, catamaran sailing**, clay pigeon shooting,
climbing (climbing wall), cricket*, croquet, curling, cycling (non-touring)*, dancing, darts, dinghy racing, dinghy sailing, elephant ride, fell walking, flag american football, football, golf, gymnastics, helicopter ride (passenger), hiking, horse drawn sleigh, horse trekking, hot air ballooning (passenger), jet skiing*, kite surfing (on a lake)*, light aircraft rides (passenger) martial arts training, motorcycling under 125cc* (as a means of transport only), netball, orienteering, paint balling*, pony trekking, pool, rambling, rifle range*, ringos, rounders, rugby league*, rugby union*, sailing** (in-shore & off-shore), scuba diving (max. 30m), sledging, snooker, snorkelling, snow-shoeing, soccer, softball, squash*, surfing*, swimming, swimming with dolphins, table tennis, tennis, ten-pin bowling*, tobogganing (winter), touch football, trampolining, trekking, tubing, tug-o-war, volleyball, wake boarding, walking, walking up Sydney Harbour Bridge, water polo, waterskiing, wheelchair basketball, windsurfing (on a lake)*.
* no Personal Liability cover
** no Personal Liability/offshore rescue cover
You are NOT covered for any other Sports and Activities, unless declared to and agreed by us on your insurance schedule and an additional premium paid if required.

Baggage
Not Covered
2) any item, pair or set of items with a value of over £50, if an original receipt, valuation report or other acceptable proof of ownership and value cannot be supplied to support your claim. The total amount
payable for all such items will be £250;

EXCLUSIONS APPLICABLE TO THE WHOLE POLICY
You are not covered for anything caused as a consequence of the following unless an endorsement has been issued by us:
1) any medical condition of you or anyone upon whom the trip depends;
2) any claim which arises directly or indirectly from depression, stress, anxiety or mental disorder;
3) pregnancy within 12 weeks before the estimated date of delivery;
4) suicide, attempted suicide, self inflicted injury, alcohol or drug abuse, alcoholism, drug addiction, solvent abuse, wilful exposure to exceptional risk (unless you are trying to save someones life);
5) sexually transmitted diseases;
6) HIV or a related illness including AIDS and/or any mutant derivative thereof, however caused;
7) the crewing of a vessel or taking part in expeditions;
8) manual work of any kind;
9) travelling on motorcycles over 125cc;
10) professional or organised sports (except those listed under General Conditions D), winter sports, racing, speed or endurance tests or dangerous pursuits;
11) sports and activities not described in General Conditions D unless selected as an option and an additional premium paid if required and shown on your insurance schedule;
12) bankruptcy/liquidation of a tour operator, travel agent or transport company;
13) consequential loss of any kind (e.g. loss of earnings);
14) any costs incurred on behalf of other party members who are not specified on the insurance schedule;
15) any costs recoverable from another source;
16) any payment which you would normally have made during your travels, if no claim had arisen;
17) travelling to a specific area against the advice issued by the Foreign and Commonwealth Office;
18) failure to comply with laws applicable to the country in which you are travelling;
19) air travel (other than as a fare-paying passenger on a regular scheduled airline or licensed charter aircraft);
20)
a) ionising radiation or radioactive contamination from nuclear fuel or nuclear waste or any risk from nuclear equipment.
b) the radioactive toxic explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof;
21) any consequence whether direct or indirect of war, invasion, act of foreign enemy, hostilities (whether war be declared or not), any acts of terrorism, civil war, rebellion, revolution, insurrection, blockade, military or usurped power.
22) any criminal or illegal act committed by you or your travelling companion;
23) any loss which has not been conclusively proven and the amount claimed substantiated;
24) any claim covered by an employers insurance for the benefit of an employee.

EXCLUSIONS APPLICABLE TO THE WHOLE POLICY
You are not covered for anything caused as a consequence of the following unless an endorsement has been issued by us:
20) any consequence whether direct or indirect of war, invasion, act of foreign enemy, hostilities (whether war be declared or not), any acts of terrorism*, civil war, rebellion, revolution, insurrection, blockade, military or usurped power.
* Terrorism is covered under Section 3: Personal Accident, Section 4: Emergency Medical Expenses/Repatriation and Section 5: Additional Hospital Benefit, but not as a sole result of Nuclear, Chemical or Biological Weapons of mass destruction however these may be distributed or combined.

EXCLUSIONS APPLICABLE TO THE WHOLE POLICY
You are not covered for anything caused as a consequence of the following unless an endorsement has been issued by us:
20) any consequence whether direct or indirect of war, invasion, act of foreign enemy, hostilities (whether war be declared or not), any acts of terrorism*, civil war, rebellion, revolution, insurrection, blockade, military or usurped power.
* Terrorism is covered under Section 3: Personal Accident, Section 4: Emergency Medical Expenses/Repatriation and Section 5: Additional Hospital Benefit, but not as a sole result of Nuclear, Chemical or Biological Weapons of mass destruction however these may be distributed or combined.

CLAIMS CONDITIONS
1. You must exercise reasonable care to prevent illness, accidental injury, loss or damage and exercise all reasonable care for the safety and supervision of your property, as if uninsured.
2. Original receipts and/or proof of ownership and value must be supplied in the event of a claim.
3. You must take all reasonable steps to recover any lost or stolen article.
4. If we require any medical certificates, information, evidence or receipts, these must be obtained by you at your expense.
5. If any claim is found to be fraudulent, in amount or in any other respect, this will invalidate your insurance and all claims will be forfeited.
6. If, at the time of making a claim, there is any other policy covering the same risk, we are entitled to contact that insurer for a contribution.
7. We may, at any time, pay our full liability under the policy in final settlement.
8. This insurance policy does not cover any claim which, but for the existence of this insurance, would be covered under any other insurance policy(ies). This includes any amounts recovered by you from private health insurance, EHIC payments, any reciprocal health agreements, airlines, hotels, home contents insurers or any other recovery by yourself, which is the basis of a claim.
9. We may, at our own expense, take proceedings in your name to recover compensation or secure an indemnity from any third party, insurance company, reciprocal health agreement, airline or hotel. Any monies so recovered or secured shall belong to us.
10. In the event of a claim, if we require a medical examination you must agree to this. In the event of death, we are entitled to a post mortem examination.
The medical examination and post mortem would be at our expense.
11. You must not make any payment, admit liability, offer or promise to make any payment without written consent from us.
12. We are entitled to take over any rights in the defence or settlement of any claim and to take proceedings in your name for our benefit against any other party.
13. Take your Insurance Schedule, Policy Wording and any Endorsement issued when you travel.

GENERAL CONDITIONS
A INDEPENDENT TRAVEL
Each person named on the insurance schedule is insured separately.
B TERRITORIAL DEFINITIONS
You are covered for travel within the geographical region defined on your insurance schedule.
C POLICY EXCESS
The policy excess will be deducted in the event of a claim under certain sections of the policy. The excess will be charged for each incident that results in a claim.
D SPORTS AND ACTIVITIES
You are covered to participate in the following sports and activities (provided you are not participating on a professional basis):
angling, archery*, athletics*, badminton, banana boating, baseball*, basketball, billiards, body boarding, bowling, boxing training (no contact), camel riding*, canoeing, catamaran sailing**, clay pigeon shooting,
climbing (climbing wall), cricket*, croquet, curling, cycling (non-touring)*, dancing, darts, dinghy racing, dinghy sailing, elephant ride, fell walking, flag american football, football, golf, gymnastics, helicopter ride (passenger), hiking, horse drawn sleigh, horse trekking, hot air ballooning (passenger), jet skiing*, kite surfing (on a lake)*, light aircraft rides (passenger) martial arts training, motorcycling under 125cc* (as a means of transport only), netball, orienteering, paint balling*, pony trekking, pool, rambling, rifle range*, ringos, rounders, rugby league*, rugby union*, sailing** (in-shore & off-shore), scuba diving (max. 30m), sledging, snooker, snorkelling, snow-shoeing, soccer, softball, squash*, surfing*, swimming, swimming with dolphins, table tennis, tennis, ten-pin bowling*, tobogganing (winter), touch football, trampolining, trekking, tubing, tug-o-war, volleyball, wake boarding, walking, walking up Sydney Harbour Bridge, water polo, waterskiing, wheelchair basketball, windsurfing (on a lake)*.
* no Personal Liability cover
** no Personal Liability/offshore rescue cover
You are NOT covered for any other Sports and Activities, unless declared to and agreed by us on your insurance schedule and an additional premium paid if required.
E WORKING OVERSEAS
You are not covered for any manual work overseas. In any event, no cover is provided for Section 11, Personal Liability whilst working overseas.
F DISCLOSURE OF MATERIAL FACTS
It is a condition of this insurance that all material facts have been disclosed to us.
Failure to do so may invalidate this insurance.
A material fact is any fact, medical or otherwise, which poses an increase in risk to us and is likely to influence us in the assessment, acceptance or continuance of your insurance.
G APPLICABLE LAW
Both we and you are entitled to choose the law applicable to the insurance policy. We propose English Law and in the absence of any agreement to the contrary, English Law will apply.
H RENEWAL OF ANNUAL POLICIES
Renewal of the insurance policy shall be at our sole option and discretion.

C POLICY EXCESS
The policy excess will be deducted in the event of a claim under certain sections of the policy. The excess will be charged for each incident that results in a claim.