Terms & Conditions

 

Section 1(a) – Loss of Deposit or Cancellation

We will reimburse You, up to the maximum limit specified in the Schedule of Cover, in respect of irrecoverable deposits or charges paid in advance or contracted to be paid for travel, accommodation, car hire, excursions, tours and activities not used by You, as a direct result of the Holiday/Journey being necessarily and unavoidably cancelled owing to:

1.  Your death, injury or illness or that of Your spouse.

2.  the death, serious injury or illness of:

3.  You or any person with whom You had planned to travel being subject to jury service, attendance under subpoena as a witness at a Court of Law (other than in the line of duty), compulsory quarantine, or being made redundant (provided that You or that person is under 65 and has been employed on a continuous full time basis with the same employer for at least two years).

4.  Your being prevented from travelling to the intended destination by Government restriction following an epidemic.

5.  fire, theft, storm or flood occurring at Your Home, when You are requested to remain by the Fire/Police authorities all occurring after the insurance has been issued and before the commencement of the Holiday/Journey.

6.  accident to Your vehicle within 7 days prior to the intended date of departure after the insurance has been issued.

7.  the posting overseas or emergency and unavoidable requirements of duty of Armed Forces, Police, Fire, Nursing or Ambulance Services.

8.  Your failure of a university (or equivalent) examination recognised by an approved examining body, provided that the date of issue of the policy precedes all examination dates relating to the failed course or exam.

Please note: The insurance in respect of that Trip will cease once You have made a claim for Cancellation.

Condition: Where cancellation is due to serious injury or illness, it is a condition of this policy that You must obtain a certificate from the treating Medical Practitioner, prior to the intended date of travel, confirming the need to cancel. You must notify the claims department immediately.

 

 

Section 1(b) – Curtailment

We will reimburse You, up to the maximum limit specified in the Schedule of Cover, for Your prepaid accommodation, car hire or excursion expenses for the Holiday/Journey which You do not use, including additional reasonable travelling expenses if You have to curtail Your Holiday/Journey and return Home (or to Your final destination if a one way Trip) as a result of:

1.  Your death, serious injury or serious illness (occurring during the period of the Holiday/Journey) or that of any person with whom You are travelling or any Close Relative or Business Associate of Yours.

2.  the hi-jack of the aircraft, vessel or vehicle in which You are travelling.

3.  fire, theft, storm or flood occurring at Your Home, when You are requested to return by the Fire/Police authorities.

4.  the posting overseas or emergency and unavoidable requirements of duty of Armed Forces, Police, Fire, Nursing or Ambulance Services.

Please note: Curtailment claims will be calculated from the day You return to the United Kingdom, Northern Ireland, Channel Islands, Isle of Man or Eire (or usual country of residence in respect of one way Trips) or You are hospitalised as an in-patient. Your claim will be based solely on the number of complete days forfeited. In respect of travel expenses, We will pay for any reasonable additional costs but not for the loss of Your pre-booked arrangements.

Conditions:

1. Where curtailment is due to Your serious injury or serious illness, a certificate must be obtained from the treating Medical Practitioner abroad, confirming the necessity to return to Your permanent address in the United Kingdom, Northern Ireland, Channel Islands, Isle of Man or Eire (or country of residence in respect of one way Trips), or appropriate medical facility.
2. The prior approval of IMR must be obtained to confirm the necessity to return Home (or to Your final destination if a one way Trip) for any reason or by any method other than as originally planned. Failure to do so may affect the assessment of Your claim.

 

Section 1(c) – Catastrophe

 

We will reimburse You, up to the maximum limit specified in the Schedule of Cover, in respect of additional travel and accommodation expenses necessary to continue Your Holiday/Journey (or in the event that this is impossible, return Home or to Your final destination country if a one way Trip) if You are forced to relocate as a result of a natural catastrophe (which means fire, lightning, explosion, earthquake, storm, tempest, hurricane, flood or major outbreak of infectious disease).

 

 

Section 1 Excludes:-

We will not pay claims arising:

1. where You are receiving or on a waiting list for or have knowledge of the need for in-patient treatment at a hospital or nursing home.
2. where You have received a terminal prognosis.
3. from any psychiatric disorder, anxiety state and/or depression suffered by You and diagnosed prior to the issue date of this policy (or if Annual Multi-Trip, prior to booking a Trip).
4. where You are expected to give birth before or within 8 weeks of Your return date (or arrival in final destination country if a one way Trip).
5. if You are travelling abroad against the advice of a Medical Practitioner or for the purpose of obtaining medical treatment abroad.
6. from the cost of returning to the original destination to complete the Holiday/Journey originally planned and increased expenses related to further accommodation there.
7. from ongoing medical conditions unless declared to and accepted by Us.
8. the applicable excess as stated on the Schedule of Cover

 

Section 2 – Personal Accident

If You sustain accidental bodily injury caused by:

and provided such injury, solely and independently of any other cause results, within twelve calendar months of the date of the accident, in death or disablement as defined below, We will pay one of the following benefits (as specified in the Schedule of Cover):

1.  Death.

2.  Loss of one or more limbs and/or sight in one or both eyes.

3.  Permanent Total Disablement.

Furthermore, We will reimburse You (in the event that You are covered for one of the benefits listed above), up to the maximum limit as specified in the Schedule of Cover, to cover the expense of repaying a Student Loan (which means a financial loan including outstanding interest provided by a bank, financial institution or local authority to an officially recognised student, enrolled in an officially recognised higher education course).

DEFINITIONS

Loss of limb means permanent loss by physical severance at or above the wrist or ankle.

Loss of sight means complete and irrecoverable loss of all sight.

Permanent total disablement means total disablement from engaging in or attending to any occupation for at least twelve months from the date of injury and at the end of that time being beyond hope of any improvement.

 

Section 2 Excludes:-

We will not pay:

1. for claims resulting from motorcycling involving a motorcycle in excess of 50cc.
2. for claims resulting in those hazardous activities listed where cover under Section 2 has been excluded.
3. for claims arising out of manual labour in connection with Your trade, business or profession.
4. for claims arising from Your:
   
   (a)  suicide or attempted suicide
   (b)  being effected (temporarily or otherwise by alcohol or drugs; or by any sexually transmitted disease or condition;
   (c)  wilfully self-inflicted injury or exposure to danger, except in an attempt to save human life.

Section 3(a) – Medical & Other Expenses

We will reimburse You, up to the maximum limit specified in the Schedule of Cover, in respect of the:

1. reasonable emergency medical, surgical and hospital treatment incurred as a result of Your injury or unforeseen illness, occurring during the period of the Holiday/Journey. At the sole discretion of IMR, who reserve the right to make the final decision as to whether or not it is medically necessary, this also includes the cost of repatriation to the United Kingdom, Channel Islands, Isle of Man or Eire (or final country of destination if a one way Trip), by whatever means deemed medically necessary. Emergency dental treatment is covered up to £250 for the immediate relief of pain only excluding the fitting of crowns and additional cosmetic treatment.
2. reasonable additional accommodation (room only) and travel costs (if You cannot use the return portion of your ticket) necessarily and unavoidably incurred by:
   
   (a)  You where it is necessary for You to stay beyond the intended return or onward travel date due to Your illness or injury; or
   
   (b)  A relative or friend required on medical advice to travel to, remain with or escort You as a result of Your death, serious injury or serious illness.

3. Reasonable charges for burial or cremation in the event of Your death outside of the United Kingdom, Northern Ireland, Channel Islands, Isle of Man or Eire (or final country of destination if a one way Trip), in the locality where death occurs and/or the cost of transport of body or ashes to the United Kingdom, Northern Ireland, Channel Islands, Isle of Man or Eire (or final country of destination if a one way Trip), for an amount not exceeding £5,000.
4. Cost of transporting Your remains to the normal place of residence if death occurs in the United Kingdom, Northern Ireland, Channel Islands, Isle of Man or Eire (or final country of destination if a one way Trip), for an amount not exceeding £1,000.

Please note: We reserve the right to repatriate You to the United Kingdom, Channel Islands, Northern Ireland, Isle of Man or Eire (or final country of destination if a one way Trip) when, in the opinion of the Medical Practitioner in attendance and IMR, You are fit to travel.

 Please also note: Repatriation expenses will involve the use of identical class of travel to that utilised on the outward Journey, unless agreed by Us or IMR that the ticket can be upgraded.

 

Section 3(b) – Additional Mugging Benefit

If You are admitted to a hospital outside the United Kingdom, Northern Ireland, Channel Islands, Isle of Man or Eire (or final country of destination if a one way Trip) as an in-patient owing to accidental bodily injury caused by a mugging (which means a violent, threatening attack by a third party resulting in physical bodily injury, as evidenced by a Police Report), sustained outside Your country of residence after the issue date, We will pay You the benefit specified in the Schedule of Cover, for each complete 24 hours You are in hospital.

 Condition applicable to Sections 3(a) & 3(b)

It is a condition of this insurance that IMR MUST be notified immediately of any illness or injury which necessitates admittance to a hospital abroad as an in-patient, or out-patient if costs are likely to exceed £500, or before any arrangements are made for repatriation. IMR must also be notified if Your return or onward Journey is delayed due to medical reasons. Failure to do so will prejudice Your claim.

Section 3 Excludes:-

We will not pay for claims where:

1.  treatment or aid is obtained in the United Kingdom, Northern Ireland, Channel Islands, Isle of Man or Eire (or final country of destination if a one way Trip).

2.  surgical or medical treatment which in the opinion of the treating Medical Practitioner can be reasonably delayed until Your return to the United Kingdom, Northern Ireland,  Channel Islands, Isle of Man or Eire (or final country of destination if a one way Trip).

3.  there is an additional cost of single or private room accommodation at a hospital or nursing home, except where the treating Medical Practitioner considers it necessary for You to occupy such accommodation.

4.  You are receiving or on a waiting list for or have knowledge of the need for in-patient treatment at a hospital or nursing home.

5.  You have, prior to departure, received a terminal prognosis.

6.  there is any anxiety state and/or depression suffered by You and diagnosed prior to the date of issue of this policy (or if Annual Multi-Trip, prior to booking a Trip).

7.  You are expected to give birth before or within 8 weeks of Your return date (or arrival in final destination country if a one way Trip).

8.  You are travelling against the advice of a Medical Practitioner or for the purpose of obtaining medical treatment.

9.  You are suffering from any ongoing medical conditions unless declared to and accepted by Us.

10.  costs and expenses incurred more than twelve months after Your return date (or arrival in final destination country if a one way Trip).

11.  We shall not be liable for:

(a)  any expenses or fees for in-patient treatment or repatriation which have not been notified to and authorised by Us or IMR.

(b)  any costs in respect of telephone calls other than the first telephone call to IMR notifying them of the problem.

(c)  the cost of any elective treatment or surgery including exploratory tests, which are not directly related to the illness or injury which necessitated Your admittance to hospital.

(d)  any expenses incurred as a result of a tropical disease where the recommended inoculations have not been undertaken.

12.  the applicable excess as stated on the Schedule of Cover

 

Section 4 – Personal Luggage, Money & Valuables (Available only upon payment of additional premium)

1. We will reimburse You, up to the maximum limit specified in the Schedule of Cover, in respect of accidental loss, theft or damage to:

2.In the event of Personal Luggage being temporarily lost in transit to the Holiday/Journey destination for longer than 12 hours, We will pay, up to the maximum limit specified in the Schedule of Cover, for the purchase of essential items of clothing and personal requisites. Any payments under this heading will be deducted from claims under Section 4 1(a) in respect of the same property.

Our maximum limit of liability in respect of:

 

Basis of Claim Settlement

Claims will be dealt with on an indemnity basis NOT “new for old”. Indemnity basis means the purchase price as new of the article less deduction for wear and tear and depreciation, or the cost of repair whichever is the lesser. If an article is damaged beyond economical repair, a claim will be dealt with as if the article has been lost.

Section 4 Excludes:-

We will not pay for claims arising from:

1.  accidental loss of or theft of or damage to property left unattended other than whilst:

2  Your failure to inform the Police as soon as possible of any loss or theft of Personal Luggage, Personal Money or Valuables and failure to obtain a written report.

3  accidental loss of or theft of or damage to property whilst in the custody of an airline or other carrier, unless reported immediately on discovery. In the case of an airline, a Property Irregularity Report must be obtained.

4  loss or theft of Personal Money and Valuables whilst in transit from baggage not in Your custody or control.

5  Loss of or theft of or damage to:

6  accidental loss or theft of travellers cheques, unless reported to the local branch or agent of the issuing authority as soon as possible.

7  shortages of Personal Money due to error, omission or variations in exchange rates or depreciation in value.

8  normal wear and tear, deprecation, gradual deterioration or mechanical or electrical breakdown.

9  accidental loss, theft or damage arising from delay or confiscation or detention by Customs or other official.

10  loss of jewellery whilst swimming or participating in hazardous activities (other than wedding rings) .

11  property more specifically insured elsewhere.

12  the applicable excess as stated in the Schedule of Cover.

 

Section 5 – Travel Delay & Holiday Abandonment

If the departure of the aircraft, train, coach or sea vessel in which You had booked to travel on the first outward leg or first return leg of the Holiday/Journey is delayed for at least 12 hours from the time specified on the official itinerary supplied to You as a result of:

We will pay either:

(a)  compensation, as specified in the Schedule of Cover, for the first full 12 hours delay and subsequently a further amount, as specified, for each further 12 hours delay up to the maximum limit specified in the Schedule of Cover; or

(b)  on the outward Journey, if after 12 hours delay, You elect to abandon the Holiday/Journey, We will pay You, up to the maximum limit specified in the Schedule of Cover, in respect of prepaid expenses or expenses contracted to be paid for Your benefit which are not recoverable from any other source.

Please note: A claim cannot be made under both (a) and (b) above, or under both Sections 1 and 5.

Section 5 Excludes:-

We will not pay for claims arising:

1  where You fail to check in at the airport, station or port of departure specified in the official itinerary issued by the Tour Operator, Tour Organiser or Carrier.

2  where You fail to obtain written confirmation from the carriers (or their handling agents) of the number of hours delay and the reason for the delay.

3  from strikes or industrial action unless the announcement and onset of the strike or industrial action occurred after the commencement of the Period of Insurance.

4  from public demonstration, civil unrest or any form of protest (including actions not specifically directed at an employer or group of employers).

5  where You are entitled to the same or similar benefit under any scheme arranged by a Tour Operator, Tour Organiser or Carrier.

6  from the applicable excess as stated in the Schedule of Cover.

 

Section 6 – Hijack

We will pay You, up to the maximum limit specified in the Schedule of Cover, the specified benefit for each and every completed 24 hour period during which You are held hostage due to hijack of the transport on which You are travelling.

Section 6 Excludes:-

We will not pay for claims arising:

1  which are not substantiated by a Police report confirming the length and exact nature of the hijacking.

 

Section 7 – Missed Departure

We will reimburse You, up to the maximum limit specified in the Schedule of Cover, in respect of additional accommodation and travel expenses necessarily incurred to reach the overseas destination as a result of the failure of the vehicle in which You are travelling to deliver You to the final United Kingdom, Northern Ireland, Channel Islands, Isle of Man or Eire departure point in time to join the Holiday/Journey, due to:

provided that You shall take all reasonable steps to arrive at the point of departure by the time stated on the Tour Operator’s brochure or other travel documents issued by the Travel Organiser or Carrier.

Please note: This section applies only in respect of an outward Journey to an overseas destination.

Condition

A repairer’s report will be required in the event of a claim in respect of car breakdown, together with proof that the vehicle had been properly serviced.

Section 7 Excludes:-

We will not pay for:

1  claims arising from strike or industrial action prior to the commencement of departure from Your Home or place of business, whichever is the later.

2  the applicable excess as stated in the Schedule of Cover.

 

Section 8 –Personal Liability

We will reimburse You, up to the maximum limit specified in the Schedule of Cover, for all sums which You are personally liable to pay for accidents which result in:

1  death or bodily injury to any person; or

2  loss of or damage to their property;

occurring during the period of the Holiday/Journey. The total amount payable for all claims made against You arising from any one occurrence is specified in the Schedule of Cover. We will in addition pay any legal costs and expenses awarded against You or incurred by You with Our written consent.

Please note: No liability shall be admitted and no admission, arrangement, offer, promise or payment shall be made by You without Our written consent. We shall be entitled, if We so desire, to take over and conduct, in Your name, Your defence of any claim or to prosecute for our Own benefit any claims for indemnity, damages or otherwise against any third party. We shall have full discretion in the conduct of all negotiations and proceedings.

 

Section 8 Excludes:-

We will not pay for:

1  Punitive or exemplary damages.

2  Liability in respect of:

4  The applicable excess as stated in the Schedule of Cover.

 

Section 9 – Legal Expenses

We shall pay legal costs and expenses, up to the maximum limit specified in the Schedule of Cover, incurred by You in pursuit of compensation and/or damages against a third party arising from or out of Your death or personal injury occurring during the Period of the Holiday/Journey.

Conditions

1  We shall have complete control over the legal proceedings and the appointment and control of a lawyer.

2  You must follow the legal representative’s advice and provide any information and assistance required. Failure to do so will entitle Us to withdraw cover.

3  We must have access to any and all of the legal representative’s file of papers.

4  We may include a claim for Our costs and expenses.

5  Failure by You to comply with all or any of these conditions will entitle Us to render the legal expenses aspect of this insurance void and thereby withdraw cover.

 

Section 9 Excludes:-

1  We will not be liable for:

3  We shall not be liable for any claim where legal costs and expenses are based directly or indirectly on the amount of an award.

4  The insurance will not extend to covering You in the pursuit of any appeal except at Our sole discretion.

5  Where there is a possibility of a claim being brought in more than one country, We shall not be liable for the costs if an action is brought in more than one country.

6  We shall not be liable for the excess as specified in the Schedule of Cover.

 

WINTERSPORTS COVER

Cover under these sections only applies when an additional Wintersports endorsement premium is paid.

In accordance with the above, cover under Sections 1 –9 is extended to cover Wintersports and in addition the following five Sections are included.

Under the Annual Multi-Trip and Single Trip policies where additional premium has been paid, Wintersports is defined as: Skiing and Snowboarding (with a leash); Off-Piste Skiing and Snowboarding (with a leash) except in areas designated as unsafe by resort management; Recreational Racing; Mono Skiing; Guided Cross Country Skiing; Snow Mobiling; Tobogganing and Ice Skating.

In no event will Wintersports be considered to extend to the following activities: Ski Jumping; Ski Flying; Heli-Skiing; Ski Acrobatics; Ski Stunting; Freestyle Skiing; On-piste & Off-Piste Skiing in areas designated unsafe by resort management; Ski Racing & Training; Ski Bob Racing; Parapenting; Ice Hockey and the use of Skeletons and Bobsleighs. 
 

Section 10 – Wintersports Equipment

We shall reimburse You, up to the maximum limit specified in the Schedule of Cover, in respect of the accidental loss of or theft of or damage to snowboards, skis, bindings, boots or poles, subject to a Single Item limit as specified. There is an overall limit in respect of hired equipment as specified in the Schedule of Cover

Please note: Claims for owned wintersports equipment will only be calculated as follows:

  Up to 12 months old   -90% of the purchase price.

  Up to 24 months old  -70%

  Up to 36 months old  -50%

  Up to 48 months old  -30%

  Up to 60 months old  -20%

  Over 60 months old  -  0%

 

Section 10 Excludes:-

 

We will not pay for claims arising from:

1  accidental loss of or theft of or damage to property left unattended other than whilst:

2  loss of or damage to any article or goods on roof racks:

4  wintersports equipment used by persons for whom it was not designed.

5  any loss, theft or suspected theft unless You inform the Police and obtain a written report.

6  accidental loss of or theft of or damage to property whilst in the custody of an airline or other carrier, unless reported immediately on discovery. In the case of an airline, a Property Irregularity Report must be obtained.

7  the applicable excess as stated in the Schedule of Cover.

 

Section 11 – Ski Hire

We shall reimburse You, up to the maximum limit specified in the Schedule of Cover, in respect of the reasonable costs of hiring skis, bindings, boots or poles as a result of the accidental loss or theft or damage (or temporary loss in transit for more than 12 hours) of Your own equipment during the Period of Insurance.

 

Section 11 Excludes:-

We will not pay for claims arising from:

1  accidental loss of or theft of or damage to property left unattended other than whilst:

2  loss of or damage to any article or goods on roof racks

3  damaged wintersports equipment owned by You not returned to the United Kingdom for inspection.

4  wintersports equipment used by persons for whom it was not designed.

5  any loss, theft or suspected theft unless You inform the Police and obtain a written report.

6  accidental loss of or theft of or damage to property whilst in the custody of an airline or other carrier, unless reported immediately on discovery. In the case of an airline, a Property Irregularity Report must be obtained.

 

Section 12 – Ski Pack

We shall reimburse You, up to the maximum limit specified in the Schedule of Cover, in respect of the proportionate loss of irrecoverable ski pack costs paid or contracted to be paid prior to the Journey/Holiday as a result of You becoming ill or sustaining personal injury during the Period of Insurance and certified by a Medical Practitioner as being unable to ski and a written report obtained.

Definition

Ski Pack shall consist of pre-booked lift passes, hired skis, bindings and boots and ski school fees.

Section 12 Excludes:-

We will not pay for :

1  claims where a written report has not been obtained from a Medical Practitioner.

 

Section 13 – Piste Closure

In the event that, due to lack of snow fall or adverse weather in the pre-booked Wintersports resort between the months of December and March and no alternative being available, You are not allowed to ski for a period in excess of 12 hours, We will pay You the benefit as specified in the Schedule of Cover for each full 24 hour period during which You are unable to ski, up to the maximum limit as specified.

Section 13 Excludes:-

We will not pay for :

1  claims arising which are not substantiated by a report from the resort management.

2  claims arising due to lack of snow fall in a Wintersports resort which does not possess skiing facilities above 1,000 metres.

Section 14 – Delay due to Avalanche

We will reimburse You, up to the maximum limit as specified in the Schedule of Cover, for additional travel and accommodation expenses in the event that Your outward or return Journey is delayed by at least 12 hours beyond the scheduled departure time as a direct result of avalanche.

Section 14 Excludes:-

We will not pay for :

1  claims arising which are not substantiated by a report from the resort management.

2  the applicable excess as stated in the Schedule of Cover.

ADDITIONAL ENDORSEMENTS

The following endorsements are available on request from your issuing agent, upon payment of additional premium (or reduction of premium in the case of Endorsements 2), providing the additional endorsements are noted on the validation certificate.

1  Excess Waiver.

The applicable excesses as stated in the Schedule of Cover are hereby waived, except as regards increased medical excesses in respect of declared medical conditions and hazardous activities.

2  Double Excess.

The applicable excesses as stated in the Schedule of Cover are hereby doubled, except as regards increased medical excesses in respect of declared medical conditions and hazardous activities.

3  Addition of Cover under Section 4.

The cover available under Section 4 in respect of Personal Luggage, Valuables and Money is hereby included.