Virgin Single Trip

Section D Emergency medical and travel expenses abroad
This section does not apply to journeys in the UK during the period of insurance.
Reciprocal health agreements some travellers from the UK are entitled to receive free or reduced-cost medical care in many European countries on production of a completed E111 form.
This form is available FREE from your local Post Office. Simply fill it in before you travel and take it and a copy with you at all times. You must have it stamped and signed by the Post Office before you travel. If you make use of the E111 agreement or any other reciprocal health agreement and your claim is reduced because of it under this section only, we will waive the excess applicable to your claim under this section.
This is not a private medical insurance. If you require emergency treatment you must inform the assistance service immediately otherwise we may be unable to pay your medical expenses.
This section allows you to receive essential emergency treatment if you fall ill or are injured in an accident while you are abroad. You can either continue your journey or if medically necessary, be taken back to your home in the UK for further medical treatment.
If you need more than simple out-patient treatment of the sort that you can pay for locally, you should call the assistance service for help and advice. Please beware of excessive treatment charges and note this is not private health insurance. If you are in any doubt please call us for advice.
The telephone numbers for the assistance service are listed on page 29 of this booklet.
You must tell the assistance service immediately if you are likely to be admitted to hospital for any reason. Many hospitals will not begin treatment until the costs have been guaranteed. If your condition is serious we will bring you home to the UK as soon as our medical advisors consider that you are fit enough to travel safely.
IMPORTANT: If your health changes during the period of insurance you must tell us to make sure that you are fully covered.
Part one Emergency medical expenses abroad
We will pay costs up to £10,000,000 per insured person for continuous medical and travel expenses incurred abroad that are necessary for up to 12 months as a result of you becoming ill or injured.
We will pay the following costs:
a) Usual, reasonable and necessary emergency treatment (including emergency dental treatment to relieve immediate pain).
b) Returning you to the UK, where deemed necessary by our medical advisor.
c) Economy travel and accommodation expenses of up to £2,000 (including a daily allowance of £25 per day for meals, phone calls and travel), for one person who is a resident of the UK who is required on medical advice to stay with or travel to and stay with you.
d) Up to £2,500 for funeral expenses abroad or for the extra costs of returning your mortal remains to your home.
e) A daily subsistence allowance of up to £25 for meals, phones calls, accommodation and travel after you are discharged from hospital and before your emergency repatriation to the UK on medical grounds.
You must provide us with valid receipts for costs claimed under sections c) and e) above.
Part two Hospital benefit
We will pay you £20 per day up to a limit of £600 per insured person for each completed 24 hours that you spend in hospital as an in-patient if you become ill or sustain injury during a journey.
Conditions
a) You must not be travelling against medical advice or specifically to get any form of medical treatment.
b) You or anyone upon whom the journey depends must not have been diagnosed with a terminal illness before the issue of this policy.
c) You must not be waiting for medical treatment as a hospital in-patient or day patient before the issue of this policy unless we know about it and have agreed to it in writing.
d) You must give the assistance service full details as soon as you know of a medical emergency.
e) You must accept our decisions about the most suitable, practical and reasonable solutions to any medical emergency.
f) All cardiac procedures including invasive or aggressive treatment must be approved in advance by the medical advisor and the assistance service.
Exclusions
We will not pay for any claim arising directly or indirectly from:
a) Treatment or help provided in the UK.
b) Non-emergency treatment, tests or surgery (including cosmetic surgery), that is not directly related to the illness or injury which caused you to require emergency treatment.
c) Surgery or medical treatment that the medical advisor believes is not essential and could wait until your return to the UK.
d) Treatment or help which the medical advisor believes was provided after you first became able to return to the UK.
e) Pregnancy during the three months (four months if you are expecting more than one baby) immediately before your estimated date of delivery or the first seven days after giving birth.
f) The extra cost of a single room or private accommodation in a hospital or clinic.
g) Any expenses, which we have not agreed to, for in-patient treatment or bringing you back to the UK.
h) Medication which you need at the time of departure and which you knew would have to continue during your journey.
i) Dental work involving the use of precious metals.
j) Any treatment or services provided by a spa, nursing home or rehabilitation centre.
k) Your failure to obtain necessary emergency medical treatment.
l) The standard of medical treatment you received from the medical service provider.
m) Any treatment, which you should have received from the medical service provider.
Excess
An excess of £35 will be applied to each person claiming and to each claim under this section. The excess will not apply for in-patient treatment claims or where an E111 form has been used to reduce the cost of the treatment.

Section G Personal accident
If you are physically injured on a journey and the injury is solely and independently caused by violent, visible, external and accidental means we will pay you or your legal representatives either:
Benefit 1. If your injuries lead to death or total and permanent loss of sight or physical loss of limb, we will pay you up to £30,000.
Benefit 2. If you are permanently disabled and you cannot work in any capacity after two years from the date of the accident because of the injury, we will pay you up to £30,000.
Exclusions
We will not pay:
a) More than one benefit for the same incident.
b) More than £1,500 under Benefit 1 if you are under 16 or over 74 at the time of the accident.
c) Claims resulting from your deliberate actions or failure to act.

Section D Emergency medical and travel expenses abroad
Part two Hospital benefit
We will pay you £20 per day up to a limit of £600 per insured person for each completed 24 hours that you spend in hospital as an in-patient if you become ill or sustain injury during a journey.

Section C Personal money
This section covers your personal money against loss or theft. If you make a claim, you will need to provide evidence that you had the money, so please keep any receipts. If your personal money is lost or stolen during your journey, report it to the police, we will pay a single emergency cash advance of up to £100 for each insured adult that has their personal money stolen or lost. You must then repay this amount to us when you return home or we can take it from the final amount we pay for your claim. We will not offer a cash advance under any other circumstances.
Please note the advice given in Section A Personal possessions, under the heading 'Be Aware!' as it applies to this section also.
We will pay up to £500 per insured person if your personal money is lost or stolen on your journey or during the period of insurance or 72 hours immediately before your departure.
The cash or bank note limit is £250 per insured person.
Conditions
a) You must report any loss to the police within 24 hours of discovering it and you must get a written police report.
b) If we ask, you must show us confirmation of the amount of foreign currency. In the case of pounds sterling, you must provide us with documents to prove that you had the money.
Exclusions
a) We will not pay for loss or theft of personal money unless it was in your possession immediately before being lost or stolen or there is evidence of force and violence to gain entry into your safety deposit box or locked personal accommodation where it was being kept.
b) We will not pay for loss or theft of personal money in the form of travellers' cheques or credit cards.
Excess
An excess of £35 will be applied to each person claiming and to each claim under this section.

If your personal money is lost or stolen during your journey, report it to the police, we will pay a single emergency cash advance of up to £100 for each insured adult that has their personal money stolen or lost. You must then repay this amount to us when you return home or we can take it from the final
amount we pay for your claim. We will not offer a cash advance under any other circumstances.

SECTION K 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 0845 246 2430 (+44 845 246 2430 from abroad).
We will pay:
1) Up to £25,000 for legal costs to help you claim damages or compensation:
- for injury, illness or death, which happens during your journey.
The cover provided by this section K only applies 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.
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. If you are held abroad phone +44 1252 740455.
Conditions
If you do not keep to the following conditions, we may refuse any claim and withdraw from any current claim.
You must do the following:
- Let us have full details of your claim and any other information that we or the solicitor ask for. (You must pay any costs involved in providing this information).
- Fully co-operate with the solicitor and us, and not do anything which might damage your claim. If we ask, you must tell the solicitor to give us any documents, information or advice that they have or know about.
- 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 any costs that we have to make, and pay any recovered cost to us.
- Get our agreement before you negotiate or settle a claim.
Appointing a solicitor
- We have chosen a panel of legal firms to provide legal services. These firms may make payments to us for being members of the panel. While you are responsible for any legal costs they charge, your policy will cover them as long as you keep to the policy conditions.
- If we accept your claim, we or a solicitor appointed by us will try to settle the matter 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 can choose the solicitor to act for you. Otherwise, we will appoint a solicitor for you.
- The solicitor will be appointed by you or by us to act for you according to our standard terms of appointment.
(You can ask us for a copy).
- You must not enter into any agreement relating to charges with the solicitor without getting our permission first.
- If a solicitor refuses to continue acting for you with good reason, or if you dismiss them without good reason, 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 he or she must co-operate fully with us at all times.
- Decide to settle your claim by paying the amount in dispute. If your claim is not for damages, we may decide to settle your claim by paying you the equivalent financial value of your claim.
- Refuse to pay further costs if you do not accept a reasonable offer to settle your claim.
- Refuse to pay further costs if it is no longer more likely than not that you will be successful with your claim.
Disputes
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 other similar organisation) for that part of the territorial limits whose law governs this section of the policy. We and you must keep to the arbitrators decision. Whoever loses the arbitration will pay for all the costs and expenses of the arbitration.
You may also refer any disagreement between you and us to the Financial Ombudsman Service, which is a service offered to you free of charge. (See page 4 for details of our complaints procedure).
Exclusions:
We will not pay:
a) more than £50,000 where any one incident gives rise to a claim being made by two or more of you,
b) to defend your legal rights in claims against you,
c) any claim resulting from any illness or injury that develops gradually or is not caused by a specific or sudden accident;
d) for actions between insured people (in other words, people insured on the same policy trying to make a claim against each other),
e) costs you have paid or will have to pay before we have agreed to them,
f) any claim you report to us more than 180 days after the date you knew about, or should have known about, the incident leading to the claim,
g) any costs if you:
- stop or settle a claim, or withdraw instructions from the solicitor without good reason, or
- make a false claim or knowingly give us any information which is not correct or complete.
If either of these apply, you will then have to refund any costs and expenses we have paid or agreed to pay during your claim.

Section J Loss of passport/driving licence
If you lose your passport/driving licence during a journey, we will pay up to £250 per insured person for reasonable extra travel and accommodation costs abroad while you arrange a replacement.
Exclusions
We will not pay any claim:
a) Unless you report the loss to the police or a British Consular Representative within 24 hours of discovery.
b) For any destruction, loss or theft that occurred before the start of your journey.
c) For the cost of replacing your passport/driving licence.

Section J Loss of passport/driving licence
If you lose your passport/driving licence during a journey, we will pay up to £250 per insured person for reasonable extra travel and accommodation costs abroad while you arrange a replacement.
Exclusions
We will not pay any claim:
a) Unless you report the loss to the police or a British Consular Representative within 24 hours of discovery.
b) For any destruction, loss or theft that occurred before the start of your journey.
c) For the cost of replacing your passport/driving licence.

Section L Mugging benefit
Mugging
If an insured person is mugged while on a journey and suffers actual bodily harm as a direct result, we will pay £50 to the insured person.
Conditions
You must:
a) Provide us with a certificate from the treating doctor, confirming the injuries.
b) Report the incident to the police within 24 hours and obtain a written police report with reference number.

Settling your claim
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,
b) replace the item, or part of a set, as new,
c) pay the cost of repairing the item, or part of a set, or
d) make a cash payment to you.
We will decide which of the above options is most suitable.
We will not pay the cost of replacing any other pieces that form part of a set.
Wear and tear
We will take an amount from any claim we pay for wear and tear. This applies to claims involving:
a) clothing (including sports clothing), or
b) any item or part which is not replaced or repaired.

Section A Personal possessions
This section covers your baggage against loss, theft, breakage or damage whilst you are on your journey. There are limits in this section that may not be enough for expensive items such as jewellery and photographic equipment. However, you can usually insure these items separately under the all risk extension of your home insurance.
BE AWARE!
You must take care to look after your personal possessions, in particular your valuables and your personal money.
- Your valuables should be kept on your person, or secured in baggage, which stays with you at all times, not in suitcases to be checked in.
- Alternatively, they should be left in your locked personal accommodation, a locked safety box or a locked safe.
- Valuables or personal money should never be left on a beach, under a towel or sunbed, no matter how well hidden it is.
- Your valuables should not be left in an unattended pushchair or buggy or in unattended coats or jackets. If these items may be taken from you, for example in a restaurant, you should first remove items of value.
- If you do not take reasonable precautions to protect your property, we may not pay your claim.
We will pay you up to £1,500 per insured person in respect of your personal possessions if they are damaged, lost, stolen or destroyed while on your journey.
The single article limit for personal possessions is £250.
The total amount for all valuables is £400.
Conditions
a) You must keep your tickets and luggage tags and report any loss or theft within 24 hours, to the police or to the carriers if the loss happened during your journey.
b) You must also get a police report form or a carrier's property irregularity form within 7 days of the incident. You should also report it to your courier or hotel/apartment manager as appropriate.
c) You must follow the carrier's conditions of carriage.
d) You must not abandon any property to us.
e) In all circumstances, receipts or vouchers for items lost or damaged should be retained as these will help substantiate your claim.
Exclusions
We will not pay for loss, theft, breakage or damage to:
a) Valuables carried in suitcases, or other luggage unless they are with you at all times.
b) Valuables which are not with you unless they are locked in your personal accommodation or stored in a locked safety deposit box or locked safe and there is evidence of using force and violence to break in.
c) Valuables left in an unattended motor vehicle.
d) Personal possessions that you have left unattended unless they are locked in your personal accommodation or in the secure area of a motor vehicle and there is evidence of someone using force and violence to break in.
e) Films, tapes, cassettes, cartridges or discs that you have used or recorded on other than for their value as unused material when we will pay the maker's latest list price.
f) Perishable goods, bottles or cartons and their contents or any damage caused by these items.
g) Property more specifically insured by another policy.
h) Contact or corneal lenses, dentures or hearing aids.
i) Personal possessions caused by wear and tear, loss of value or damage by moth, vermin or by any cleaning, repairing or restoring process.
j) Sports equipment and accessories whilst in use.
k) Anything being shipped as freight.
l) Winter sports equipment, golf equipment, wedding attire and wedding valuables.
m) Cracked, scratched or broken glass (other than lenses in cameras, binoculars, telescopes or spectacles), china, or similar fragile articles.
Settling your claim
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,
b) replace the item, or part of a set, as new,
c) pay the cost of repairing the item, or part of a set, or
d) make a cash payment to you.
We will decide which of the above options is most suitable.
We will not pay the cost of replacing any other pieces that form part of a set.
Excess
An excess of £35 will be applied to each person claiming and to each claim under this section.
Wear and tear
We will take an amount from any claim we pay for wear and tear. This applies to claims involving:
a) clothing (including sports clothing), or
b) any item or part which is not replaced or repaired.

Section B Replacing your personal possessions in an emergency
We will pay you up to £150 per insured person for anything that you reasonably need to buy if you have to wait more than 12 hours for your personal possessions, which the carrier has temporarily lost on the way to your journey destination.
Conditions
a) If your personal possessions are not found, we will take any amount we pay under this section from the amount we pay for your final claim for lost personal possessions under Section A of this policy.
b) We will need to see receipts for any replacement items that you buy.

Section E Cancellation of a journey
Start and end date of cover
Single trip policyholders:
Cancellation cover starts on the date shown on your proof of insurance and cover ends on the day you leave on your journey. This only applies as long as both the departure date and return date fall within the period of insurance.
Annual multi-trip policyholders:
Cancellation cover starts on the date specified on your proof of insurance and cover ends on the day you leave on your journey. However, this only applies as long as both the departure date and return date fall within the period of insurance. If you book a trip that starts after your current policy ends, cancellation cover will apply only up to the date your policy ends.
Cover can be continuous only if you renew your policy on or before the expiry date.
If you have to cancel your journey, we will pay you up to £5,000 for your personal accommodation and transport charges that you cannot get back from any other source.
This includes up to £150 per insured person for excursion charges paid in advance in the UK.
This cover applies when you have to cancel your journey because of:
a) Your death, serious injury or illness or that of:
1) a travelling companion your travel depends on,
2) a member of your immediate family,
3) a business partner resident in the UK, or
4) a person abroad in whose home you are intending to stay, or because:
b) You or a travelling companion your travel depends on are required:
1) in the UK during the journey as a witness in a court or for jury service and postponement has been denied by a court official, or
2) by a relevant authority to stay home following a serious burglary, fire, storm or flood damage to your home or usual place of business in the UK occurring within 7 days prior to the commencement of the journey.
c) You being made redundant.
d) Your pet dog, cat or leisure horse requiring emergency life saving treatment, as a result of an accident or illness, within 7 days of the commencement of the journey.
e) As a member of the Armed Forces, the Police, ambulance, fire or nursing service, you are required for unexpected emergency duty or are posted overseas unexpectedly at the time of your journey.
f) You decide to abandon your journey after a delay exceeding 12 hours (as detailed in Section I) from the specified time shown on your itinerary.
g) The Foreign and Commonwealth Office advise against 'All Travel' to your intended destination during the period of your journey.
h) Pregnancy, where after booking your journey, you discover that you will return home from your journey within the three months prior to the estimated date of delivery.
If your flight is booked with air miles, we will pay the cost of an equivalent flight, which must be taken within three months from the date of cancellation of the flight.
We will only pay those cancellation charges that would have applied at the time you first became aware of the need to cancel, if a valid claim exists.
Conditions
a) Unless you have declared to us and we have accepted in writing, we will not provide cover where:
1) you or anyone else upon whom the journey depends has been diagnosed with a terminal illness before the journey was booked or you applied for this insurance,
2) you are waiting for any form of medical treatment as a hospital in-patient or day-patient before booking any journey, or
3) you have booked a journey or you applied for this insurance and you have reason to believe the journey may be cancelled.
b) You must not book a journey if you are unemployed and are registered for work with the employment service.
c) You must provide us with a medical certificate (where applicable), cancellation invoice, your unused tickets and proof of purchase.
d) You must provide us with medical information confirming the reason for cancellation.
Exclusions
We will not pay for claims caused by:
a) You not having the correct passport or visa.
b) The actions or failure of any transport provider or their agent or any person acting as your agent or conference organiser.
c) You not wanting to travel or not enjoying the journey.
d) Redundancy that you were aware of before you booked the journey.
Excess
An excess of £35 will be applied to each person claiming and to each claim under this section.
Where claiming for loss of deposit the excess will be £10 unless you have paid the additional premium for Gold Cover.
Excesses do not apply to children when travelling with an insured adult.
Section F Curtailment of a journey
This section covers your extra expenses if you have to cut short your journey because of a stay in hospital or because a member of your immediate family has fallen ill or died or for other compassionate reasons as detailed below.
If you need to cut short your journey or expect to have to extend your stay because of an illness or injury you must tell the assistance service immediately and before you make any arrangements.
Part one Cutting short your journey
If you have to cut short your journey, we will pay you up to £5,000 per insured person for the loss of your personal accommodation, transport charges or any other travel expense that you have already paid or have agreed to pay. This includes up to £150 per insured person for excursion charges, paid in advance in the UK. This cover applies when you have to cut short a journey because of:
a) Your death, serious injury or illness or that of:
1) a travelling companion your travel depends on,
2) a member of your immediate family,
3) a business partner resident in the UK, or
4) a person abroad whose home you are intending to stay in, or because
b) You , or a companion your travel depends on are required:
1) in the UK by a relevant authority following a serious burglary, fire, storm or flood damage to your home or usual place of business in the UK, or
2) during your journey, to attend a court of law as a witness or for jury service in the UK and a court official has denied postponement.
Conditions
a) You must not have travelled against medical advice or specifically to get any form of medical treatment.
b) Unless you have declared to us and we have accepted in writing, we will not provide cover where:
1) you or anyone else upon whom the journey depends has been diagnosed with a terminal illness before the journey was booked or you applied for this insurance,
2) you are waiting for any form of medical treatment as a hospital in-patient or day-patient before booking any journey, or
3) you have booked a journey or applied for this insurance and you have reason to believe the journey may be curtailed,
c) You must give the assistance service your full details as soon as you know of any incident which may lead you to cut your journey short,
d) You must accept our decision about the most suitable, practical and reasonable solution to the problem,
e) You must provide us with a medical certificate (where applicable), unused tickets and proof of purchase.
Exclusions
We will not pay for any claim resulting from:
a) You not wanting to travel or not enjoying your journey.
b) Weather conditions at your journey destination.
c) Pregnancy during the three months immediately before your estimated date of delivery months (four months if you are expecting more than one baby) or seven days after giving birth.
d) Extra or unused travel or accommodation costs to your journey destination or home without the consent of the assistance service following curtailment.
e) Any incident where you do not have a medical certificate from the doctor treating you abroad which says that you need to return home early.
Part two - Catastrophe cover
We will pay you up to £500 per insured person to cover similar alternative accommodation and transport charges, should you decide to either return home or change resort, if during your journey you are forced to move away from your pre-booked accommodation and this is due to:
1) fire, lightning, explosion, earthquake,
2) storm, flood,
3) medical epidemic, or
4) local government directive.
Conditions
You must contact the assistance service as soon as you become aware of any incident, which could give rise to a claim under this section.
Exclusions
We will not cover any claims arising from:
a) Your decision to move away from your booked accommodation when official directives from local authorities state that it is not necessary to do so.
b) Any costs or expenses payable by or recoverable from the tour operator, airline, hotel, other provider of the service and any not agreed by the assistance service.
Excess
An excess of £35 will be applied to each person claiming and to each claim under this section.

Section I Delayed or missed departure
Part one - If your departure is delayed
If the transport you have checked in for is delayed at its departure point from the time shown in your travel itinerary, we will pay you:
a) £25 for the first 8 hours delay and £25 for every following 8 hours delay, up to a maximum of £100 per insured person, or
b) cancellation costs (Section E) if you decide to abandon the journey after the first 24 hours delay and return home before leaving the UK.
Part two - If you miss your departure
We will pay you up to:
- £600 per insured person for journeys to Europe.
- £1,000 per insured person for journeys outside Europe.
For extra accommodation (room only) and transport charges which are necessary if you arrive at your departure point too late to board your booked transport and this is because,
a) the public transport taking you to your departure point is not running to timetable, or
b) the private car taking you to your departure point is involved in an accident or breaks down.
Exclusions
We will not pay for any claim:
a) Which is the result of you failing to check in at the departure point as instructed by your travel itinerary.
b) Unless you have written confirmation from the carrier or their agents showing the scheduled and the actual departure times for your journey.
c) If your delay in getting to the departure point was caused by industrial action which started or was announced before you took out the insurance.
d) For the failure of public transport scheduled services as a result of industrial action which starts or was announced before the date you left home and prevents you from reaching your departure point.
e) If your private car is not fully roadworthy and it breaks down on your way to your departure point.
Excess
An excess of £35 will be applied to each person claiming and to each claim under this section.

Section I Delayed or missed departure
Part one - If your departure is delayed
If the transport you have checked in for is delayed at its departure point from the time shown in your travel itinerary, we will pay you:
a) £25 for the first 8 hours delay and £25 for every following 8 hours delay, up to a maximum of £100 per insured person, or
b) cancellation costs (Section E) if you decide to abandon the journey after the first 24 hours delay and return home before leaving the UK.
Part two - If you miss your departure
We will pay you up to:
- £600 per insured person for journeys to Europe.
- £1,000 per insured person for journeys outside Europe.
For extra accommodation (room only) and transport charges which are necessary if you arrive at your departure point too late to board your booked transport and this is because,
a) the public transport taking you to your departure point is not running to timetable, or
b) the private car taking you to your departure point is involved in an accident or breaks down.
Exclusions
We will not pay for any claim:
a) Which is the result of you failing to check in at the departure point as instructed by your travel itinerary.
b) Unless you have written confirmation from the carrier or their agents showing the scheduled and the actual departure times for your journey.
c) If your delay in getting to the departure point was caused by industrial action which started or was announced before you took out the insurance.
d) For the failure of public transport scheduled services as a result of industrial action which starts or was announced before the date you left home and prevents you from reaching your departure point.
e) If your private car is not fully roadworthy and it breaks down on your way to your departure point.
Excess
An excess of £35 will be applied to each person claiming and to each claim under this section.

Section I Delayed or missed departure
Part one - If your departure is delayed
If the transport you have checked in for is delayed at its departure point from the time shown in your travel itinerary, we will pay you:
a) £25 for the first 8 hours delay and £25 for every following 8 hours delay, up to a maximum of £100 per insured person, or
b) cancellation costs (Section E) if you decide to abandon the journey after the first 24 hours delay and return home before leaving the UK.
Part two - If you miss your departure
We will pay you up to:
- £600 per insured person for journeys to Europe.
- £1,000 per insured person for journeys outside Europe.
For extra accommodation (room only) and transport charges which are necessary if you arrive at your departure point too late to board your booked transport and this is because,
a) the public transport taking you to your departure point is not running to timetable, or
b) the private car taking you to your departure point is involved in an accident or breaks down.
Exclusions
We will not pay for any claim:
a) Which is the result of you failing to check in at the departure point as instructed by your travel itinerary.
b) Unless you have written confirmation from the carrier or their agents showing the scheduled and the actual departure times for your journey.
c) If your delay in getting to the departure point was caused by industrial action which started or was announced before you took out the insurance.
d) For the failure of public transport scheduled services as a result of industrial action which starts or was announced before the date you left home and prevents you from reaching your departure point.
e) If your private car is not fully roadworthy and it breaks down on your way to your departure point.
Excess
An excess of £35 will be applied to each person claiming and to each claim under this section.

Section H Personal liability
If we agree in writing we will pay up to £2,000,000 in total, per journey for losses that you are legally responsible for as a result of an accident you have caused during a journey that leads to:
a) Death or physical injury to any person,
b) Accidental loss or damage to property that:
1) does not belong to you or your immediate family, and/or
2) is not in the charge or control of you or a member of your immediate family.
c) Accidental loss or damage to your temporary journey accommodation that does not belong to you or any member of your immediate family.
Exclusions
We will not pay for claims resulting from:
a) Your deliberate actions or failure to act.
b) Your employment, profession or business or that of a member of your family.
c) An agreement unless liability would have existed without that agreement.
d) Your owning, handling or looking after any animal.
e) Claims made by your family, an employee of you or your family, another insured person and/or a travelling companion.
f) You acting as a leader of a group taking part in any activity.
g) You occupying any land or buildings other than your temporary journey accommodation.
h) You owning or using any aircraft or horse-drawn, waterborne (excluding rowing boats and pedalloes), motorised, mechanically propelled and/or towed vehicle or any firearm.
i) Any costs that we have not agreed in writing.
Excess
An excess of £35 will be applied to each person claiming and to each claim under this section.

Section M Pet care
Where you have placed your cat or dog in a kennel/cattery, for the duration of your journey and you are not able to collect them on the day previously agreed with the kennel/cattery, and this is solely due to your final inbound flight, rail or sea vessel to the UK being delayed, we will pay you up to £25 per day (to a maximum of £250) to cover necessary additional kennel/cattery fees.
Conditions
You must provide us with:
a) Written confirmation from the carrier advising the reason the transport was delayed and the scheduled and actual departure times of the transport.
b) Written confirmation from the kennel/cattery advising the original pick-up date and the actual pick-up date.
Exclusions
We will not pay any claims under this section, where the reason for the delay is a strike or
industrial action of any kind, which had been announced prior to the purchase of this insurance policy.

Section E Cancellation of a journey
Part two - Catastrophe cover
We will pay you up to £500 per insured person to cover similar alternative accommodation and transport charges, should you decide to either return home or change resort, if during your journey you are forced to move away from your pre-booked accommodation and this is due to:
1) fire, lightning, explosion, earthquake,
2) storm, flood,
3) medical epidemic, or
4) local government directive.
Conditions
You must contact the assistance service as soon as you become aware of any incident, which could give rise to a claim under this section.
Exclusions
We will not cover any claims arising from:
a) Your decision to move away from your booked accommodation when official directives from local authorities state that it is not necessary to do so.
b) Any costs or expenses payable by or recoverable from the tour operator, airline, hotel, other provider of the service and any not agreed by the assistance service.
Excess
An excess of £35 will be applied to each person claiming and to each claim under this section.

Insured activities
We will provide cover under Sections D and H, where you have arranged to take part in any of the following activities through your hotel, holiday organiser or a recognised provider of the service:
- Section D Emergency medical and travel expenses abroad if you are injured while taking part in any of the activities.
- Section H Personal liability if you injure a third party whilst taking part in any of these activities.
However, there are restrictions applicable, therefore please ensure you read the exclusions under Sections D and H to fully understand the cover given.
List A
You are automatically covered for:
ABSEILING, AEROBICS, ANGLING FRESHWATER, ANGLING PIER, ANGLING SEA, ARCHERY, ATHLETICS, BADMINTON, BALLET, BAND/MUSIC 'TOUR' (WATCHING), BASEBALL, BASKETBALL, BEACH GAMES, BIRDWATCHING, BOWLS, BRIDGE SWINGING SINGLE, BUNGEE JUMPING SINGLE, CAMPING, CRICKET, CROQUET, CRUISE UP TO 16 DAYS, CYCLING (NOT BMX OR MOUNTAIN OR MAIN MODE OF TRANSPORT), DEEP SEA FISHING, FARM WORK (UNPAID, EXCLUDING OPERATING MACHINERY), FELL WALKING, FISHING, FITNESS TRAINING, FIVES, FLY FISHING, FOOTBALL TOURS (WATCHING), GRASS SKIING, GYMNASTICS, HANDBALL, HIGH DIVING POOL, HOCKEY, HORSE RIDING (NOT JUMPING), ICE-SKATING (RINK ONLY), IN-LINE SKATING, JET SKIING (AS A ONE-OFF ONLY), JOGGING, KEEP FIT, MARATHON RUNNING, MOTOR CYCLING (UP TO 125CC AND NOT MAIN MODE OF TRANSPORT), NETBALL, ORIENTEERING, PEDALOES, PONY TREKKING, RACQUET BALL, RAMBLING, ROAD RUNNING, ROLLER BLADING, ROLLER HOCKEY, ROLLER SKATING, RUGBY TOURS (WATCHING), SAFARI UP TO 16 DAYS, SANDBOARDING, SHOOTING (TARGET), SINGING, SKATEBOARDING, SNOOKER, POOL AND BILLIARDS, SNORKELLING, SOFTBALL, SQUASH, SWIMMING, SWIMMING WITH DOLPHINS, TABLE TENNIS, TENPIN BOWLING, TENNIS, VOLLEYBALL, WALKING (UP TO 15 MILES PER DAY), WEIGHT TRAINING, WHALE WATCHING.
In a pool or inland waters within a 12 mile limit:
BOATING, CANOEING (UP TO GRADE 3), PARASCENDING (TOWED BY BOAT), RAFTING (UP TO GRADE 3), ROWING, SAILING, SCUBA DIVING (TO 18 METRES), SNORKELLING, SURFING, SWIMMING, WATER SKIING, WIND SURFING, YACHTING.
List B
Where the appropriate premium has been paid and 'Activity Upgrade' is shown as being active on your schedule, you are covered to take part in the following activities in addition to List A:
BACKPACKING, BODY BOARDING, BOOGIE BOARDING, BRIDGE SWINGING (MORE THAN ONE), BUNGEE JUMPING (MORE THAN ONE), CAVING, CRUISE OVER 17 DAYS, CYCLING (MAIN MODE OF TRANSPORT), FENCING, FOOTBALL TOURS (TAKING PART, NOT PROFESSIONAL/SEMI), GAELIC FOOTBALL (TAKING PART NOT PROFESSIONAL/SEMI),
HANG GLIDING, HELI SKIING, HIKING, HILL WALKING, HOT AIR BALLOONING (AS A PASSENGER), HUNTING, JUDO, LACROSSE, LUGE, MARTIAL ARTS, MOTOR CYCLING (MAIN MODE OF TRANSPORT), MOUNTAIN BIKING, PARACHUTING, PARAGLIDING, POLO, POTHOLING, ROCK CLIMBING, SAFARI OVER 17 DAYS, SAND YACHTING, SCUBA DIVING (18 TO 30 METRES), SHARK DIVING, SPEAR FISHING (WITHOUT TANKS), STREET LUGE(DESIGNATED COURSE), TRAMPOLINING, TREKKING (UP TO 5,449 METRES), TRIATHLON, WALKING (MORE THAN 15 MILES PER DAY), WATER POLO, WATER SKIING, WEIGHT LIFTING.
List C
This policy will not cover your participation in any activity not listed in A & B, including, but not limited to:
AMERICAN FOOTBALL, BOXING, CANOEING (ABOVE GRADE 5), CANYONING, CLIFF DIVING, ENDURANCE RACES, FLYING, FOOTBALL TOURS (TAKING PART AND PROFESSIONAL/SEMI), GAELIC FOOTBALL (TAKING PART AND PROFESSIONAL/SEMI), GLIDER FLYING, MANUAL WORK (WITH MACHINERY OR IN THE BUILDING OR CONSTRUCTION TRADE), MICROLIGHT FLYING, MOUNTAINEERING (ROPES AND/OR GUIDES), PRIVATE FLYING, RAFTING (ABOVE GRADE 5), RUBGY (TAKING PART), SCUBA DIVING (IN EXCESS OF 30 METRES), SKI ACROBATICS, SKI FLYING, SKI MOUNTAINEERING, SKI RADONEE, SKI STUNTING, SKY DIVING, SKY SURFING, TREKKING (OVER 5,450 METRES), WORKING WITH CHILDREN IN ANY CAPACITY, WRESTLING.
Conditions
a) The activities must be carried out in a safe and professional way. If appropriate, they should be supervised by a qualified person or arranged through a recognised provider of the service.
b) You must not act irresponsibly or put yourself in needless danger.
Exclusions
We will not pay for any claim that is the result of:
a) You taking part in an insured activity as a professional in that activity or against local warning or advice.
b) Your participation in an activity not listed in A and B or any activity detailed in list C.
c) You using a motorised two or three wheeler machine that has an engine of 125cc or greater as the rider or a passenger (unless you hold a current local or UK driving licence for such a vehicle).

2) Exclusions
a) We will not pay for any loss under this policy in connection with or caused in any way by:
1) War, invasion, a terrorist act/terrorism (this exclusion does not apply to Section D - Emergency medical and travel expenses abroad and to Section G - Personal accident except where nuclear, chemical or biological weapons/agents are used), civil unrest, or travel to a destination where the Foreign and Commonwealth Office has advised against 'all travel'.
2) The legal action of Customs or any government officials or authorities of any country.
3) Ionising radiation or radioactive contamination caused by nuclear fuel or waste or the radioactive, toxic, explosive or other dangerous properties of any explosive nuclear equipment.
4) You committing suicide, deliberately injuring yourself, making yourself ill or putting yourself in needless danger, sexually transmitted diseases, insanity, alcohol or drug related incidents or solvent abuse.
5) Your duties as a member of the armed forces.
6) A criminal or dishonest act by you.
7) You travelling in an aircraft (other than as a fare-paying passenger in a fully licensed passenger-carrying aircraft and for no other purpose).
8) You using a motorised two or three wheeled machine (or quad bike) as the rider or a passenger unless:
- you hold a current local or full UK driving licence for such a vehicle and at all times wear a helmet
- and you have selected the Activity Upgrade and paid the required premium (except for motorbikes under 125cc and not your main mode of transport).
9) Your participation in winter sports activities unless you have selected the cover and paid the required premium.
10) Your participation in List B activities and winter sports activities unless you have selected the cover and paid the required premium.
11) Your participation in List C activities.
b) We will not pay for:
1) Any consequential loss unless it is specifically mentioned in the policy.
2) Any loss caused by currency exchanges.
3) Any loss or damage more specifically insured under another policy.
4) Your expenses in providing any certificates, information or evidence which we may ask for. However, if you are claiming for physical injury or illness, we may ask for and will pay for you to have a medical examination. We may also ask for and pay for a post-mortem examination if any insured person dies.

2) Exclusions
a) We will not pay for any loss under this policy in connection with or caused in any way by:
1) War, invasion, a terrorist act/terrorism (this exclusion does not apply to Section D - Emergency medical and travel expenses abroad and to Section G - Personal accident except where nuclear, chemical or biological weapons/agents are used), civil unrest, or travel to a destination where the Foreign and Commonwealth Office has advised against 'all travel'.

2) Exclusions
a) We will not pay for any loss under this policy in connection with or caused in any way by:
1) War, invasion, a terrorist act/terrorism (this exclusion does not apply to Section D - Emergency medical and travel expenses abroad and to Section G - Personal accident except where nuclear, chemical or biological weapons/agents are used), civil unrest, or travel to a destination where the Foreign and Commonwealth Office has advised against 'all travel'.

1) Conditions
a) We will not pay any claims under this policy unless you meet the following conditions:
1) You are a resident of the UK.
2) In respect of annual multi-trip policies, you are aged 74 or less at the start date of your policy unless we have confirmed in writing to you that you can be covered.
3) You do all that you reasonably can to avoid accidents, injury, loss or damage.
4) You tell the police, the carrier or the assistance service as soon as reasonably possible about any incident that may lead to a claim under this policy. For losses under sections A, C, J, L, and Q of this policy you must report full details of the incident within 24 hours to the police, carrier or the assistance service.
5) You must tell us about any claim within 2 months of the incident.
6) You must pass on to us immediately every writ, summons and other document you receive in connection with a claim.
7) You must give us all the information, documents and help that we need at your own expense. This includes medical certificates and details of your household insurance and any other insurance that may cover a claim under this policy.
8) You must not admit liability, offer or promise to pay anyone without our written permission.
9) You must travel only to the geographical region shown in your policy documents as being covered.
10) No journey must last for more than:
90 days in respect of Single Trip policies, unless otherwise shown on your proof of insurance.
42 days in respect of annual multi-trip policies, and your total journeys during the period of insurance must not add up to more than 120 days in all. This includes 22 days winter sports cover.
11) You must not take part in any hazardous activity.
12) You must inform us of all material facts, failure to do so could affect the protection of your cover under this policy.
13) Any claim for psychiatric illness or mental or nervous disorders, including stress and
stress related conditions, should have been investigated and diagnosed by a consultant who is a member of the Royal College of Psychiatrists and is recognised by the Royal College as being a consultant. This will not apply if the condition has been disclosed to us and we have confirmed cover for it in writing.
14) No cover will be provided for any UK journey, unless the journey is connected with two or more nights pre-booked accommodation.
15) Family cover only applies to four children in full time education up to and including the age of 18 at date of policy commencement, travelling with up to two of their parents, step-parents, grandparents or legal guardians.
b) We have the right to:
1) Reject any claim which is in any way connected with a pre-existing medical condition, that:
- you, a member of your immediate family or a travelling companion suffer from, or
- you did not tell us about, and
- cover for it was not agreed in writing.
2) Reject any claim that is in any way fraudulent. If this happens we will cancel your policy and have no liability to pay any claims.
3) Take over and defend or settle in your name any claim made under this policy.
4) Take legal action in your name but at our expense to recover any payment we have made under the policy.
5) Cancel all benefits under the policy for a journey if we have made a claim payment under Section E or Section F of the policy for that journey.
6) Retain your premium unless you return the policy to us within 14 days of receiving it, in which case we will refund your premium if:
- we receive the returned policy before the departure date of your first journey, and
- you have not made a claim.
7) Cancel your cover from the start date of the period of insurance if you do not pay the premium.
8) Use your unused travel tickets if you cancel your journey or return home early and we have made a claim payment under the policy in relation to the cancellation and/or return.
9) Cancel the policy at any time by sending seven days written notice by letter to you at the address last known to us. We will make a refund of premium paid for the unexpired period of insurance.
10) Not refund any part of a monthly premium if you pay your premiums monthly and you wish to cancel this policy. Should you wish to cancel the policy and you pay your premiums annually, a pro-rata refund of the unexpired premium may be made to you if we choose.
11) Automatically renew your annual policy on the renewal date. If we intend to automatically renew, we will notify you of our intention prior to expiry together with details of the renewal premium. If you do not wish to renew this policy you should inform us prior to the renewal date.

Excesses
You will have to pay a fixed amount, an excess, towards any claim you make under certain sections. Excess levels are shown in the applicable section unless otherwise stated in the policy, the excess will apply separately to:
- each person claiming, and
- to each incident that leads to a claim.