Certificate No: TPU/IG/19287-19288-19289-19290-19291

This document only constitutes a valid insurance when issued in conjunction with a validation certificate issued between 01.06.2002 and 31.05.2003for journeys ending prior to 31.05.2004

Underwritten on behalf of a consortium of Insurers including Royal and Sun Alliance Group Plc, Gouda International and ACE Insurance Company SANV by:-
TRAVEL AND PERSONAL UNDERWRITERS LIMITED

This policy is a CONTRACT OF INSURANCE. It contains details of the cover, conditions and exclusions relating to each Insured Person and is the basis on which all claims will be settled. In consideration of the payment of the required premium, Travel and Personal Underwriters Limited (the Underwriting Agents) hereby agree to pay or indemnify the Insured Person or his/her personal representative as follows; subject to the terms conditions and exclusions of this policy, on the schedule and in the application form.

We must draw your attention to a number of important features of this insurance.

PLEASE READ THESE FEATURES AND THE WHOLE OF THIS DOCUMENT CAREFULLY. IMPORTANT FEATURES:

• Insurance Policy: this contains full details of the cover provided plus the conditions and exclusions which apply to it. You must read the insurance policy carefully.
• Conditions and Exclusions: there are conditions and exclusions which apply to individual sections and general conditions and exclusions which apply to the whole policy.
• Date Change Exclusion: Changes in dates and other systems containing computer chips, which depend on date-related information in order to work properly. Other than in respect of Sections 2 and 3, your policy excludes anything directly or indirectly caused by failure of any computer hardware or software or other electrical equipment to recognise or process any date as its true calendar date.
• Medical Expenses: the policy does not provide private health treatment unless specifically approved by the emergency service.
• Health: the certificate contains conditions relating to the health of the people travelling and others upon whose well being the trip may depend. It may be that you are required to disclose the condition of such people prior to cover being issued and you must be aware that failure to disclose such information will prejudice your position in the event of a claim. Please see the section entitled: Health Conditions.
• Property claims: these are settled on an indemnity basis - not on a “new for old” or replacement cost basis, unless otherwise stated in the policy.
• Limits: most sections of the policy have limits on the amount the insurer will pay under that section. Some sections also include inner limits eg: for one item, or for valuables (see definition below) in total.
  UK Law allows the parties to choose the law applicable to the contract. The contract will be subject to English Law unless otherwise agreed.
• Excesses: claims under most sections of the policy will be subject to an excess. Where there is an excess, you will be responsible for paying the first part of a claim.
• Reasonable Care: you are required to take all reasonable care to protect yourself and your property and to act as though you are not insured.
• Complaints: the insurance policy includes a complaints procedure which tells you what steps you can take if you wish to make a complaint.
• “Cooling Off” Period: the policy contains a “cooling off” period which allows you to return it and obtain a full refund if you have justifiable reason to be dissatisfied with the cover provided. Please see the section entitled: Cooling Off Period.
• Hazardous Holiday Activities: the policy may not cover you when you take part in certain hazardous activities eg: Mountaineering. If you want cover for such activities, please contact your issuing agent. Please see section entitled ‘Hazardous Activities” to see what activities are covered under the policy at no additional premium, what activities can be included in return for additional premium and what to do if you wish to participate in an activity not listed..

DEFINITIONS

GEOGRAPHICAL AREAS

READ THIS POLICY WORDING THOROUGHLY

1. Any loss of or damage to baggage whilst in the custody of a carrier (Airlines etc.) must be notified immediately to the carrier and a written report obtained. In the case of an Airline, a Property Irregularity Report must be obtained.
2. Any loss, theft or suspected theft of property, money or valuables must be reported to local police immediately upon discovery and a written report obtained. If there is a representative of the Travel Organiser in the locality they should also be informed.
3. A receipt must be obtained for any expenditure which might be the subject of a claim. Evidence of purchase or if not purchased by You , evidence of ownership and value will be required in support of claims under Section 4.
4. If medical attention is required, a Medical Certificate must be obtained from the Medical Practitioner providing such treatment, detailing the nature of the illness or injury.
5. No payment will be made to You if You are travelling against medical advice or for the purpose of obtaining medical treatment.
6. If Your Holiday/Journey is extended or curtailed due to injury or illness arising abroad, You are required to obtain a letter from the Medical Practitioner concerned confirming why the extension or curtailment is medically necessary.
7. Keep all bank vouchers/travellers cheques details, currency conversion slips as they will be required in the event of a claim for loss of Money.
8. Wherever possible You must use medical facilities which entitle You to the benefits of any reciprocal health agreements, such as E111 in Europe and Medicare in Australia.
9. IMR (as defined on page 1) must be advised immediately in the event of
   1. Your Hospitalisation
   2. Your intended repatriation for medical reasons
   3. the need to return earlier than the original booked return date when the cause of such return may be insured under the Curtailment section of the Policy
   4. if out-patient treatment appears likely to cost more than £500.
   5. if Your return is delayed due to medical reasons or Your inability to return Home as planned due to medical reasons.

PRIVATE MEDICAL TREATMENT IS NOT COVERED UNLESS SPECIFICALLY AUTHORISED BY THE EMERGENCY SERVICE

IMPORTANT: Please carry your insurance documents with You in case of emergency.

IN THE EVENT OF A MEDICAL EMERGENCY AND FOR GENERAL CLAIMS PLEASE REFER TO THE BACK OF THIS DOCUMENT

HEALTH CONDITIONS

Whilst the Insurance is not subject to a health warranty, We shall not be liable for claims WHERE AT THE TIME OF TAKING OUT THIS INSURANCE (OR IF ANNUAL MULTI-TRIP, PRIOR TO BOOKING EACH SEPARATE TRIP):

1. You are aware of any medical condition or set of circumstances which could reasonably be expected to give rise to a claim.
2. Any person, including those not travelling, whose condition may give rise to a claim:
   1. has during the twelve months prior to taking out the insurance (or if Annual Multi-Trip, prior to booking each separate Trip) suffered from any chronic and/or recurring illness of a serious nature which has necessitated consultation or treatment or has been referred for further investigations UNLESS DECLARED TO AND ACCEPTED BY US BY RINGING: 0800 281 488
   2. is suffering from any previously diagnosed psychiatric disorder, anxiety or depression; or
   3. is receiving, or on a waiting list for, in-patient treatment in a hospital or nursing home; or
   4. is expected to give birth before, or within eight weeks of the date of arrival Home; or
   5. is travelling against the advice of a Medical Practitioner or for the purpose of obtaining medical treatment abroad; or
   6. has been given a terminal prognosis.

MATERIAL FACTS

All material facts must be disclosed to Us. Failure to do so may affect Your rights under the insurance. A material fact is a fact likely to influence Us in the acceptance or assessment of the insurance (for example, Your own state of health or that of a Close Relative). If You are in any doubt as to whether a fact is ‘material’ then for Your own protection it should be disclosed.

RECIPROCAL HEALTH AGREEMENT

Travellers to European Union countries are strongly advised to obtain form E111 from their local Post Office. This will entitle European citizens to benefit from the reciprocal health arrangements which exist between European Union countries. In the event of liability being accepted for a medical expense which has been reduced by the use of an E111 form (or other reciprocal health arrangements) or Private Health Insurance, the applicable Medical & Other Expenses section excess will not be applied. This does not apply where special excess terms have been imposed.

HAZARDOUS ACTIVITIES

When travelling with this insurance, You are automatically covered for the following amateur activities without paying any additional premium:

Archery, Badminton, Baseball, Basketball, 3 Bungee Jumps, Canoeing, Cricket, Cycling, Golf, Jogging, Marathons, Netball, Orienteering, Parascending (over water), Rambling, Roller Blading (Inline Skating / Skate Boarding), Running (both Sprint & Long Distance), Safari, Scuba Diving (qualified, max. depth 30 metres) under 14 days, Snorkelling, Squash, Swimming, Tennis, Trekking (under 2,000 metres), Triathlons, Volleyball, Water Polo, Water Skiing, White/Black Water Rafting (Grades 1 - 4), Windsurfing and Yachting (both racing and crewing) inside territorial waters.

The following amateur activities are also automatically covered without paying any additional premium, but the policy excludes any cover under the Personal Accident and Personal Liability sections:

Abseiling, Boxing Training, Camel /Elephant Riding or Trekking, Cycle Touring, Passenger (in private/small aircraft or helicopter), Football, Go Karting, Hiking (over 2,000 metres, but under 6,000 metres), Hockey, Horse Riding (no Polo, Hunting, Jumping), Hot-Air Ballooning, Jet Boating, Jet Skiing, Kayaking, Motorcycling (under 50cc - no Racing), Trekking (over 2,000 metres, but under 6,000 metres).

Furthermore, the following amateur activities can be covered by declaring to, and paying an ADDITIONAL premium to, the issuing agent, but the policy excludes any cover under the Personal Accident and Personal Liability sections:

Flying (piloting private/small aircraft or helicopter), Manual Labour (at ground level, no machinery), Martial Arts (training only), Motorcycling (over 50cc - no Racing), Mountain Biking, Rugby, Scuba Diving (unqualified, max. depth 30 metres) under 14 days, Scuba Diving (qualified, max. depth 40 metres) over 14 days, Sea Canoeing, Snow Mobiling, Surfing.

Furthermore, the following amateur activities can be covered by declaring to, and paying an ADDITIONAL premium to, the issuing agent but the policy excludes any cover under the Personal Accident and Personal Liability sections and the excess under the Medical section of cover is increased to £200:

American Football, Gliding, Paragliding, Parachuting, Parascending (over land), Sand Yachting, Sky Diving, White/Black Water Rafting (Grade 5 to 6), Yachting (racing or crewing) outside territorial waters.

Furthermore, the following amateur activities can be covered by declaring to, and paying an ADDITIONAL premium to, the issuing agent, but the policy excludes any cover under the Personal Accident and Personal Liability sections and the excess under the Medical section of cover is increased to £400:

Canyoning, Hang-Gliding, High Diving, Horse Jumping (no Polo or Hunting), Micro Lighting, Parasailing, Rock Climbing (not Mountaineering), Rock Scrambling.

Any activity not listed above (or any of the above sports on a professional basis), which could be considered a hazardous activity, sport, pastime or employment (involving an increased risk of injury), will NOT be covered under the policy UNLESS declared to, and accept-ed by, the issuing agent at the time of taking out the policy in return for additional premium and/or changes in cover.

COOLING-OFF PERIOD

If, after reading the policy, You are not satisfied with it for any reason, You must return it to the issuing agent within 14 days of issue in order to receive a full refund of premium, providing that a claim does not exist and travel has not taken place.

POLICY TYPES

Single - A single return Holiday/Journey, beginning and ending in the United Kingdom, Northern Ireland, Channel Islands, Isle of Man or Eire. Cover for a Holiday/Journey within the United Kingdom, Northern Ireland, Channel Islands or Isle of Man only applies when accommodation has been pre-booked for two or more nights.

One Way - A single, outward Holiday/Journey, beginning in the United Kingdom, Northern Ireland, Channel Islands, Isle of Man or Eire. The Period of Insurance shall expire normally or in any event no later than 24 hours after the time You first leave the immigration control of Your final destination country.

Annual Multi-Trip - Any number of return Holidays/Journeys, subject to the following:

• A maximum duration of 45 days any one Holiday/Journey.
• Cover for a Holiday/Journey within the United Kingdom, Northern Ireland, Channel Islands or Isle of Man only applies when accommodation has been pre-booked for two or more nights.
• Wintersports cover is limited to 17 days in total per policy year.

PERIOD OF INSURANCE

Single & One Way

Under Section 1 (Loss of Deposit and Cancellation) insurance is effective from the date of issue of the policy and terminates on commencement of the planned Holiday/Journey (or the expiry of the policy).

In respect of Curtailment and all other sections, insurance commences when You leave Your usual place of residence or business (whichever is the later) to commence the Journey until the time of return to Your place of residence or business (whichever is the earlier) on completion of Your Journey (or the expiry of the policy). In any event not to commence more than 24 hours prior to the booked departure time or cease more than 24 hours after Your return.

In respect of one way Journeys only, the Period of Insurance will terminate with whichever occurs first of the following; the expiry of the policy or 24 hours after the time You first leave immigration control of Your final destination country.

Annual Multi-Trip

Under Section 1 (Loss of Deposit and Cancellation) insurance is effective from the later of either the date of issue of the policy or the time at which the Journey is booked and terminates on commencement of the planned Holiday/Journey (or the expiry of the policy).

In respect of Curtailment and all other sections, insurance commences when You leave Your usual place of residence or business (whichever is the later) to commence the Journey until the time of return to Your place of residence or business (whichever is the earlier) on completion of Your Journey (or the expiry of the policy). In any event not to commence more than 24 hours prior to the booked departure time or cease more than 24 hours after Your return. In the event Your Holiday/Journey exceeds 45 days in duration, only the first 45 days will be covered hereunder.

If due to unforeseen circumstances beyond Your control, the Holiday/Journey cannot be completed within the Period of Insurance (as stated on the attached certificate), cover will be extended for up to a maximum of 30 days at no extra cost.

Signed for and on behalf of the Insurers

P M Bird - Managing Director

Travel and Personal Underwriters Ltd.
65-68 Leadenhall Street, London, EC3A 2AD

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:

(a)  any Close Relative of Yours; or

(b)  any Business Associate of Yours;or

(c)  a person with whom You had planned to travel; or

(d)  any person with whom You had arranged temporarily to reside with during Your Trip.

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.

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.

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.

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).

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.

If You sustain accidental bodily injury caused by:

(a)  violent external and visible means or
(b)  exposure resulting from an accident to an aircraft, vessel or vehicle in which You are travelling

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.

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.

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.

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.

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 or illness 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.

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

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:

(a)  Personal Luggage – which means suitcases, trunks or like receptacles and clothing or personal effects worn or carried on the person all owned by (not hired, loaned or entrusted to) You but excluding Personal Money and Valuables. The maximum payment for any Single Item is shown in the Schedule of Cover.
(b)  Valuables.
(c)  Travel Documents – which means travel tickets, passports, green card, visas, accommodation vouchers, car hire vouchers and excursion vouchers, held by You (and reasonable expenses directly consequential upon any such loss).
(d)  Personal Money – which means cash, bank or currency notes, cheques, travellers cheques, postal or money orders, petrol coupons or credit vouchers.

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:

(a)  personal luggage is stated in the Schedule of Cover , subject to the limit on Single Items (for any one article, pair or set of articles, irrespective of single or joint ownership) also stated therein.

(b)  Valuables is stated in the Schedule of Cover.

(c)  personal money is stated in the Schedule of Cover, subject to the limits for Cash (cash, bank or currency notes whether in the custody of one or more Insured Persons irrespective of ownership)  also stated therein.

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.

We will not pay for claims arising from:

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

(a)  in Your locked accommodation.

(b)  in a locked boot or locked and covered luggage compartment of a motor vehicle provided that:

(i) there is evidence of forcible and violent entry to such vehicle.
(ii) no cover shall apply in respect of property in vehicles left unattended at any time between the hours of 10 pm and 8 am.
(iii) no cover shall apply in respect of money and Valuables at any time.

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:

(a)  stamps and documents (other than those specifically mentioned)
(b)  spectacles, sun glasses, contact or corneal lenses
(c)  breakage or chipping of glass, porcelain, ceramic or china or any consequential loss resulting from such breakage
(d)  business goods or samples or business money
(e)  land, air or water craft of any kind including cycles, but excluding any models or toys
(f)  items of a perishable nature
(g)  sports equipment whilst in use.

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.

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:

(i)  strike or industrial action
(ii)  adverse weather conditions
(iii)  mechanical breakdown of the aircraft, rain, coach or sea vessel

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.

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.

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.

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

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:

(i)  adverse weather conditions
(ii)  strike
(iii)  industrial action
(iv)  mechanical breakdown
(v)  accident to the vehicle

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.

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.

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.

We will not pay for:

1  Punitive or exemplary damages.

2  Liability in respect of:

(a)  death of or bodily injury to Your employees or members of Your family or household permanently living with You or a travelling companion.
(b)  loss of or damage to property which belongs to You or is in Your custody or control or that of a member of Your family or household or Your employee, or a travelling companion.
(c)  Your trade, business or profession.
(d)  the ownership or occupation of land or building (other than occupation only, of any temporary holiday accommodation).
(e)  the ownership, possession or use of animals (other than domestic dogs not included in Section 1(i) of the Dangerous Dogs Act 1991 or horses used solely for hacking or trekking), vehicles, ships, boats or craft of any kind.
(f)  any contract or agreement unless liability would have applied anyway.
(g)  any wilful or malicious or reckless act on Your part.

3  Costs and expenses incurred after the date on which we have offered to pay the limit of indemnity.

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

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.

1  We will not be liable for:

(a)  Costs incurred in pursuance of any claim against a Travel Agent, Tour Operator, Carrier, Accommodation provider, the Underwriting Agents, Insurer or Insurer’s Agent or any other person insured under the same policy.

(b)  Legal expenses incurred prior to the granting of support by Us.

(c)  Any claims reported more than 180 days after the commencement of the incident giving rise to such claim.

(d)  Any claim where the laws, practices, and/or financial regulations of the country in which the proposed action will take place indicate that the costs of such action are likely to be unreasonably greater than the anticipated value of the compensation award.

(e)  Costs incurred in pursuance of a claim against any person with whom You had arranged to travel.

(f)  Any claim where You are insured for legal expenses under any other insurance policy.

(g)  Any claim where in Our opinion there is insufficient prospect of success in obtaining a reasonable benefit.

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.

We will pay You the benefit specified in the Schedule of Cover, up to the maximum limit specified in the Schedule of Cover, in the event Your final inboundflight, rail or sea Trip to the United Kingdom, Northern Ireland, Channel Islands, Isle of Man or Eire is delayed for more than 12 hours, in respect of additional kennel and/or cattery fees necessarily incurred as a direct result of the delay.

We will not pay for claims arising:

1.  claims not substantiated by a written report from the carrier stating the length and exact nature of the delay.
2.  claims arising from the delay caused by strike or industrial action if already notified at the time the insurance was purchased.

Provided at no additional premium under the Annual Multi-Trip Policy (17 days per policy year). Otherwise, cover under these sections only applies when an additional Wintersports endorsement premium is paid.

In accordance with the above, cover under Sections 1 – 10 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. 

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%

We will not pay for claims arising from:

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

(a)  in Your locked accommodation.
(b)  in a locked boot or locked and covered luggage compartment of a motor vehicle provided that:

(i) there is evidence of forcible and violent entry to such vehicle.
(ii) no cover shall apply in respect of property in vehicles left unattended at any time between the hours of 10 pm and 8 am.

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

(a)  by weather conditions resulting from the failure to protect items.
(b)  by theft or malicious persons while the vehicle is unattended unless the rack was locked and secure and there is evidence of forcible entry before 10pm. and after 8 am.

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.

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

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.

We will not pay for claims arising from:

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

(a)  in Your locked accommodation.
(b)  in a locked boot or locked and covered luggage compartment of a motor vehicle provided that:

(i) there is evidence of forcible and violent entry to such vehicle.
(ii) no cover shall apply in respect of property in vehicles left unattended at any time between the hours of 10 pm and 8 am.

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

(a)  by weather conditions resulting from the failure to protect items.
(c)  by theft or malicious persons while the vehicle is unattended unless the rack was locked and secure and there is evidence of forcible entry before 10pm. and after 8 am.

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.

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.

We will not pay for :

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

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.

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.

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 b

Beyond the scheduled departure time as a direct result of avalanche.

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.

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

We will reimburse You, up to the maximum limit as specified in the Schedule of Cover, for loss, theft or damage to Your Golf Equipment (which means: golf clubs, golf bags, non-motorised trolleys and golf shoes).

Our maximum limit of liability in respect of:

(a)  Golf Equipment is stated in the Schedule of Cover , subject to the limit on Single Items (for any one article, pair or set of articles, irrespective of single or joint ownership) also stated therein.

We will pay You the benefit, up to the maximum limit as specified in the Schedule of Cover, for each 24 hour period following the loss or breakage of Your Golf Equipment or a delay in transit of at least 12 hours of Your Golf Equipment (which means: golf clubs, golf bags, non-motorised trolleys and golf shoes).

We will pay You the benefit, up to the maximum limit as specified in the Schedule of Cover, for the proportionate value of any non-refundable , pre-paid green fees, Golf Equipment (which means: golf clubs, golf bags, non-motorised trolleys and golf shoes), hire or tuition fees necessarily unused as a result of Your accident or illness or the loss or theft of documentation which prevents the participation in the pre-paid golfing activity.

We will not pay for :

1. accidental loss of or theft of or damage to Golf Equipment or documentation left unattended other than whilst:
2. in Your locked accommodation.
3. in a locked boot or locked and covered luggage compartment of a motor vehicle provided that:

   (i)   there is evidence of forcible and violent entry to such vehicle
   (ii)  no cover shall apply in respect of property in vehicles left unattended at any time between the hours of 10 pm and 8 am.

4. Your failure to inform the Police as soon as possible of any loss or theft of Golf Equipment or documentation and failure to obtain a written report.
5. accidental loss of or theft of or damage to Golf Equipment or documentation 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.
6. loss of or damage to any Golf Equipment on roof racks:

(i)  by weather conditions resulting from the failure to protect items.
(ii)  by theft or malicious persons while the vehicle is unattended unless the rack was locked and secure and there is evidence of forcible entry before 10pm. and after 8 am.

7. loss, theft or damage to Golf Equipment shipped as freight or under a Bill of Lading.
8. loss, theft or damage arising from delay or confiscation or detention by Customs or other official.
9. (Section 16c only) claims arising directly or indirectly as a result of any ongoing medical conditions unless declared to and accepted by Us.
10. (Section 16c only) claims arising from a medical condition, which are not substantiated by a medical report from a Medical Practitioner confirming Your inability to play golf.
11. property more specifically insured elsewhere.
12. the applicable excess as stated in the Schedule of Cover.

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

Lost, Stolen or Damaged.

We will reimburse You, up to the maximum limit as specified in the Schedule of Cover, for loss, theft or damage to Your Business Equipment (which means: computer equipment, communication devices and other business related equipment which is necessarily carried by You in the course of Your business).

Our maximum limit of liability in respect of:

(b)  Business Equipment is stated in the Schedule of Cover , subject to the limit on Single Items (for any one article, pair or set of articles, irrespective of single or joint ownership), Computer Equipment and Samples also stated therein.

Delay.

Additionally, We will reimburse You for the cost of purchase of necessities, up to the maximum limit as stated in the Schedule of Cover, in the event that Your Business Equipment is delayed or lost in transit on the outward Journey for more than 24 hours. Payment will be set against the amount of the claim if the Business Equipment is permanently lost. You must supply receipts for the items purchased and confirmation from the carrier as to the length of delay.

Emergency Courier.

We will reimburse You, up to the maximum limit as stated in the Schedule of Cover, for emergency courier expenses necessarily incurred in replacing Business Equipment essential to Your intended business itinerary as a result of loss, theft or damage covered under this section.

We will pay You the benefit, up to the maximum limit as specified in the Schedule of Cover, for each 24 hour period following the loss or breakage of Your Business Equipment or a delay in transit of at least 12 hours of Your Business Equipment (which means: computer equipment, communication devices and other business related equipment which is necessarily carried by You in the course of Your business), towards the necessary costs of hiring business equipment.

We will reimburse You, up to the maximum limit as specified in the Schedule of Cover, for the loss of Business Money – which means cash, bank or currency notes, cheques, travellers cheques, postal or money orders, petrol coupons or credit vouchers – which the property of You (if self-employed) or Your employer, and carried on Your person unless placed in a safety deposit box or similar fixed, locked receptacle.

Our maximum limit of liability in respect of:

(a)  Business Money is stated in the Schedule of Cover, subject to the limits for Cash (cash, bank or currency notes whether in the custody of one or more Insured Persons irrespective of ownership)  also stated therein.

The benefits provided under Section 2 are doubled when You are travelling on a pre-arranged business trip in which Your transportation and accommodation expenses have been paid by You (if self-employed) or Your employer, and proof is provided that the primary purpose of the Journey was the furtherance of Your business. All other terms, conditions and exclusions apply as per Section 2.

We will not pay for :

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

1. in Your locked accommodation.
2. in a locked boot or locked and covered luggage compartment of a motor vehicle provided that:

(i)   there is evidence of forcible and violent entry to such vehicle.
(ii)  no cover shall apply in respect of property in vehicles left unattended at any time between the hours of 10 pm and 8 am.

2  Your failure to inform the Police as soon as possible of any loss or theft of Business Equipment (or Business Money) and failure to obtain a written report.

3  accidental loss of or theft of or damage to Business Equipment (or Business Money) 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 of or damage to any Business Equipment on roof racks:

(i)  by weather conditions resulting from the failure to protect items.
(ii)  by theft or malicious persons while the vehicle is unattended unless the rack was locked and secure and there is evidence of forcible entry before 10pm. and after 8 am.

4.  loss, theft or damage to Business Equipment or Business Money shipped as freight or under a Bill of Lading.

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

6.  claims arising from shortages due to error, omission or depreciation in value.

7.  claims for Cash, where at the time of such loss or theft was located in checked-in luggage, an unattended motor vehicle or roof rack.

8.  property more specifically insured elsewhere.

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

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

1  It is a special condition that no Holiday/Journey is booked or undertaken against medical advice or for the purpose of obtaining medical treatment.

2  It is a special condition that You are not aware of any reason why the Holiday/Journey may be cancelled or curtailed.

3  It is a special condition that if You have a medical condition or You are undergoing tests for the presence of a medical condition which could necessitate cancellation or curtailment of the Holiday/Journey, You must obtain confirmation from Your registered Medical Practitioner that there is no reason why You should not travel.

4  The Medical Emergency Service must be advised immediately in the event of:

(a)  Your hospitalisation; or
(b)  Your intended repatriation for medical reasons; or
(c)  The need to return earlier than the original booked return date when the cause of such return may be insured under Section 1 (b) Curtailment of the policy; or
(d)  If out-patient treatment appears likely to cost more than £500
(e)  Your return being delayed due to medical reasons or Your inability to return Home as planned due to medical reasons;

all occurring during the Holiday/Journey.

Claims Procedure & Requirements:

1  On the happening of any illness, injury, loss or damage, You must at Your expense:

(a)  give Us full details in writing as soon as possible after any event which could lead to a claim under this policy;
(b)  Take all reasonable precautions to prevent further illness, injury, loss or damage;
(c)  Immediately inform the Police of any loss or theft of Personal Luggage or Money or Valuables and obtain a written report;
(d)  Supply all reports, certificates, information, evidence and assistance as may be required by Us;
(e)  Send to Us any writ, summons or other legal document served on You and must not answer any correspondence without Our written consent.

We shall be entitled

(a)  to negotiate, defend or settle in Your name and on Your behalf any claim made against You; and
(b)  to prosecute in Your name for Our benefit any claim against any person in respect of any amount paid or payable under this policy

2  You shall as often as required submit to medical examination at Our expense in connection with any claim under Sections 1, 2 or 3 and in the event of Your death We shall have the right to a post mortem at Our own expense.

3  All damaged property must be retained for inspection, becoming Our property upon settlement of the claim.

4  Any claim arising under this Insurance shall be governed by the Laws of England, whose courts alone shall have jurisdiction in any dispute arising hereunder.

1  Claims directly or indirectly from

(i) Your engaging in:

(a)  Wintersports, unless the appropriate premium has been paid.
(b)  Any hazardous or sporting activity (except those listed in the Hazardous Activities section of the policy and the appropriate premium paid if required), such as Boxing, Caving, Hunting, Shooting, Competitive Martial Arts, Motor Racing of all types, Mountaineering, Polo, Potholing or Weight Lifting (for which cover may be obtained if declared to and accepted by Us in return for additional premium and/or changes in cover).
(c)  Professional sports of any kind (for which cover may be obtained if declared to and accepted by Us in return for additional premium and/or changes in cover).

(ii) Your:

(a)  suicide or attempted suicide;
(b)  being affected (temporarily or otherwise) by alcohol or drug(s); or by any sexually transmitted disease or condition; or
(c)  wilfully self-inflicted injury or wilful exposure to danger, except in an attempt to save human life.

2.  Loss (including any consequential loss), bodily injury, damage or liability resulting or arising from or directly or indirectly caused or contributed to by:

(a)  Ionising radiation or contamination by radioactivity from any nuclear fuel or from waste from the combustion of nuclear fuel;
(b)  The radioactive toxic explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof;
(c)  Detention or confiscation or requisition by any Government or Public or Local Authority;
(d)  Pressure waves caused by aircraft or other aerial devices;
(e)  War, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection or military or usurped power.

3.  In respect of all Sections other than Sections 2 and 3, the Underwriting Agents shall not be liable for any loss, injury, damage, illness, death or legal liability arising directly or indirectly from, or consisting of the failure or fear of failure or inability of any equipment or any computer program, whether or not You own it, to recognise or to correctly interpret or process any date as its true calendar date, or to continue to function correctly beyond that date.

4.  This policy does not cover persons residing outside the United Kingdom, Northern Ireland,  Channel Islands, Isle of Man or Eire at the time of policy purchase.

5.  Consequential loss of any kind.

No cover shall apply under Sections 1 & 3 of this policy in respect of, and this policy does not cover any claim under Sections 1 & 3 arising directly or indirectly from any injury, illness, death, loss, expense or other liability attributable to HIV (Human Immunodeficiency Virus), AIDS (Acquired Immune Deficiency Syndrome) and/or any mutant derivative or variations however caused, unless declared to, and accepted by, Us.

You must notify International Medical Rescue (the Underwriter’s agents acting on Your behalf) immediately of any serious illness or injury involving an Insured Person whilst abroad which necessitates admittance to a hospital as an in-patient, or out-patient if costs are likely to exceed £500, or before any arrangements are made for repatriation.

The Assistance Service is there to help You 24 hours a day, 365 days a year. Do not try to find Your own solution – they will solve Your problem in the most suitable and practical way.

THE TELEPHONE NUMBER IS: UK (44) 20 8669 9292
THE FACSIMILE NUMBER IS: UK (44) 20 8669 3442

Be prepared to give: (a) insurance certificate number, (b) name & address of issuing agent, (c) dates of outward & return travel, (d) details of the problem including name & address of patient and nature of illness/accident and (e) names and telephone numbers of hospital, attending doctor & usual GP.

The Assistance Service is able to: (a) liase with doctors and hospitals, (b) guarantee medical charges, (c) arrange emergency repatriation with medical escort if necessary and (d) give guidance and help to other members of the party.

THIS EMERGENCY SERVICE MUST NOT BE USED FOR CASUAL ENQUIRIES.

MEDICAL TREATMENT IN AUSTRALASIA

Should You require medical treatment in Australasia, please note that reciprocal health arrangements apply as far as UK Nationals (and some European Nationals) are concerned. Please ensure that You have Your Passport with You and if treatment is required, then this should be produced. Inpatient and outpatient treatment at a public hospital is then available either free of charge (Australia) or at minimal cost (New Zealand).

Should You be admitted to hospital then contact must be made with INTERNATIONAL MEDICAL RESCUE and their authority obtained in respect of any treatment not available under the reciprocal arrangements before such treatment is provided.

HOW TO MAKE A CLAIM

You must give written notice to us as soon as possible, but in any event within 30 days. FIRST, either telephone: UK (44) 0870 420 4161 (between 9.00 a.m. and 5.00 p.m. Monday - Friday, excluding bank holidays), give brief details of Your claim and ask for a claim form - or write to Insure & Go Travel Claims, 14th Floor, Leon House, 201-241 High Street, Croydon, Surrey CR9 1ER, or e-mail: claims@insureandgo.com.

PLEASE DO NOT FORWARD ANY DOCUMENTS UNTIL YOU SUBMIT THE COMPLETED CLAIM FORM

It is always Our intention to provide a first class standard of service. However, if You have any cause for complaint, please write to:

For Sales related matters:
The Complaints Officer
Insure & Go Insurance Services Ltd
Warners Mill
Silks Way
Braintree
Essex
CM7 3GB.

For Claims related matters:
The Complaints Officer
Insure & Go Travel Claims
14th Floor
Leon House
201-241 High Street
Croydon
Surrey
CR9 1ER.

The Managing Director
AIG Europe (UK) Limited
Accident and Health Department
58 Frenchurch Street
London EC3M 4AB.

If You consider the matter still unresolved, the following options are then open to You:-

Contact the Association of British Insurers for assistance at: The Association of British Insurers, Consumer Information Department, 51 Gresham Street, London, EC3V 7HQ; or

Ask the Insurance Ombudsman to review Your case. There are, however, a few instances in which this body is not empowered to consider complaints. The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR. Please note that the Insurance Ombudsman will not consider Your complaint until You have first written to the Insurer and received their final decision.

  IN&GOSTDPOL23/01/2001