Glossary & Definitions

This is only a guide; the explanations of terms within your policy are definitive and binding

Accident Airline Failure Cancellation Curtailment Delayed Baggage Excess General Exclusion Hijack Insured Legal Expenses Loss of Passport or Driving Licence Expenses Medical Emergency Expenses Personal Accident Personal Money Personal Property Personal Public Liability Piste Closure Single Article Limit Territorial Limits Travel Delay Valuables Accident A sudden, unexpected, unusual, specific, violent, external event which results in a loss. Back to top Airline Failure Costs of travel and accommodation due to the insolvency of the airline. Back to top Cancellation The Insured Person (Party) needing to cancel their trip due to illness, jury service, redundancy or fire at their home. Back to top Curtailment The unused travel and accommodation costs in the event of the Insured Person (Party) having to return home early due to illness or an incident at their home making it uninhabitable. Back to top Delayed Baggage Cover for if your luggage is delayed on the outward journey. There is a monetary limit, but it will provide cover for necessary purchases if your luggage is delayed by more than 12 hours. Back to top Excess Is an amount that you agree to pay, at the outset, towards the cost were there to be a claim under your policy. Back to top General Exclusion Something which is not covered by the insurance and relates to every section of the Policy. Back to top Hijack The Insured being detained against their will by hijack on an aircraft or sea vessel. Back to top Insured Persons shown on the quote or policy certificate. Back to top Legal Expenses Cover for legal expenses incurred by the Insured for protecting himself against legal action by a third party. Back to top Loss of Passport or Driving Licence Expenses Cover for the costs associated with replacing a lost driving licence or passport. Back to top Medical Emergency Expenses All medical expenses and hospitalisation costs incurred by the Insured Person, rescue costs if necessary and repatriation to the United Kingdom if medically necessary. Back to top Personal Accident Benefits for the Insured Person (or dependants in the event of death) in the event of an accident resulting in them being unable to work for over 12 months. Back to top Personal Money cash, postal and money orders, travel tickets, lift passes, passports, petrol coupons. Back to top Personal Property The replacement costs (less depreciation and wear and tear) due to loss, damage or theft of normal baggage a traveller takes with them on trip. Back to top Personal Public Liability Cover for claims made against the Insured Person for injury to a third party or damage to an item not belonging to the insured person. Back to top Piste Closure Cover against lack of snow which prevents you from skiing or snowboarding. Back to top Single Article Limit The monetary limit set within your policy for replacement of an individual item. Back to top Territorial Limits The geographic areas or countries shown on the quote or policy certificate. Back to top Travel Delay The benefit for being delayed on the outward journey from the United Kingdom or your direct return journey back into the United Kingdom. Back to top Valuables Watches, furs, jewellery, photographic equipment, video equipment, camcorders and audio equipment. Back to top