Primary Acumus Insurance Solutions Ltd

Primary Acumus Insurance Solutions Ltd

TRAVEL INSURANCE

Terms and Conditions

Contents

Read Me First

Pre-existing Medical Conditions / Hazardous Activities

Primary Assistance - 24 hour Global Assistance

Policy Types

Policy Periods

Definitions

The Insurance

Section A1 - Cancellation and Curtailment Charges

Section A2 - Catastrophe

Section A3 - Withdrawal of Services

Section B - Medical and Air Ambulance Expenses

Section C1 - Hospitalisation Inconvenience Contribution

Section C2- Kennel Fees

Section D - Personal Effects and Baggage

Section E - Personal Money

Section F - Travel Delay and Holiday Abandonment

Section G - Hijack .

Section H - Missed Departure

Section I - Personal Accident

Section J - Personal Liability

Section K - Legal Expenses

Wintersports (available upon payment of additional premium)

Section L - Ski Equipment

Section M - Ski Hire

Section N - Ski Pack

Section O - Piste Closure

Section P - Delay due to Avalanche

Golf Cover (available upon payment of additional premium)

Section Q1- Golf Equipment

Section Q2- Golf Equipment Hire

Section Q3- Green Fees

Business Cover (available upon payment of additional premium)

Section R1 - Business Equipment

Section R2 - Business Equipment Hire

Section R3 - Business Money

Section R4 - Additional Personal Accident Benefit

General Exclusions

General Conditions

Complaints Procedure

Making a Claim

Pre-Travel Advice

Useful Information

TRAVEL INSURANCE

THIS DOCUMENT ONLY CONSTITUTES AN INSURANCE POLICY WHEN IT IS ISSUED IN CONJUNCTION WITH A VALID CERTIFICATE OF INSURANCE, INCLUDING THE SCHEDULE OF BENEFITS.

Your Schedule of Benefits details the sections of this document under which you are covered

THIS IS TO CERTIFY that in accordance with the authorisation granted under Contract Number M97 0139 to the undersigned by certain Underwriters at Lloyd’s whose names and proportions underwritten by them can be ascertained by reference to the said Contract which bears the Seal of Lloyd’s Policy Signing Office, and by certain Insurance Companies, whose names and proportions underwritten by them appear below, (all of whom are hereinafter referred to as "the Underwriter") and, in consideration of the appropriate premium, the said Underwriters are hereby bound, each for his own part and not for one another, their Heirs, Executors and Administrators and in respect of his due proportion only, to insure in accordance with the terms and conditions contained herein or endorsed hereon.

79.72% Certain Underwriters at Lloyd’s as evidenced by Contract No. M97 0139

20.28% Sirius International Insurance Corporation

SIGNED for on behalf of the Coverholder

P. Denman - Director
Primary Acumus Insurance Solutions Ltd Underwriting Limited

READ ME FIRST

In accordance with the Association of British Insurers’ General Business Code of Practice, the Underwriter hereby draws your attention to some important features of your travel insurance policy. If You would like more information, please contact Primary Acumus Insurance Solutions Ltd, particularly if You feel the insurance may not meet Your needs.

HEALTH CONDITIONS

Your policy excludes coverage in respect of heart, circulatory, lung, cancer, blood, immune deficiency or psychological medical conditions suffered by You or any person whose ill health would force You to cancel or cut short Your trip. Should You be aware of any condition which fits this criteria,You should read this policy document carefully and follow the Declaration procedure contained overleaf.

RECIPROCAL HEALTH AGREEMENT

Travellers to European Union countries should obtain Form E111 from their local Post Office. This will entitle them to benefit from the reciprocal health agreements which exist between certain European Countries. In the event of a claim being accepted for medical expenses which has been reduced by the use of a Form E111, or Private Health Insurance, the deduction of the Excess under Section B will not apply.

PROPERTY CLAIMS

These claims are paid based on the value of goods at the time You lose them and not on a ‘new for old’ or replacement cost basis. Wear, tear and depreciation will be deducted. Certain items of personal property are not covered. Police reports are required for all losses involving theft and other losses require alternative appropriate reports, such as an Airline Property Irregularity Report, a Hotel Managers report, etc.

POLICY DOCUMENT

You should read this document carefully. It gives You full details of what is and is not covered and the conditions of the cover. Cover will vary from policy to policy and Underwriter to Underwriter.

CONDITIONS, EXCLUSIONS AND WARRANTIES

Conditions and exclusions will apply to individual sections of Your policy, while general exclusions and conditions will apply to the whole of Your policy. It is a condition of this policy that all material facts must be disclosed to the Underwriter at the time of taking out this insurance. Failure to do so may result in the Underwriter’s non-liability for claims.

YEAR 2000 EXCLUSION

There is limited cover under the policy for claims arising from the failure of computers and other data processing systems to correctly recognise the year 2000 as it’s true calendar date. The exact extent of this exclusion can be ascertained by reading Exclusion 1 of Exclusions Applicable to all Sections of the Insurance contained herein.

DANGEROUS SPORTS OR PASTIMES

There is no cover under the policy for claims arising from any activity where it is recognised there is an increased risk of injury or can be reasonably expected to exacerbate an existing medical condition. If You require cover for claims arising from such an activity, please refer to the Hazardous Activities section.

PERSONAL LIABILITY

There is no cover for Personal Liability claims arising directly or indirectly from, happening through or in consequence of ownership, possession or use of any vehicle, automobile, aircraft, watercraft or any mechanically propelled conveyance.

POLICY LIMITS

All sections of Your policy have limits on the amount the Underwriter will pay under that section. There are also specific limits under the Personal Effects and Baggage section for: Single Items; Valuables; items for which an original receipt, proof of purchase or an insurance valuation (obtained prior to loss) is not supplied; loss, theft or damage occurring on a beach or in or around a swimming pool.

POLICY EXCESSES

Under most sections of the policy, claims will be subject to an Excess. The Excess will be applied per person, per section and per incident under which a claim is made. This means that You will be responsible for the first part of the claim. The amount You have to pay is the Excess.

REASONABLE CARE / UNATTENDED PROPERTY

You must exercise reasonable care to prevent illness, injury or loss or damage to Your property, as if uninsured. There is no cover for property left unattended in a place to which the general public has access. There is no cover for loss of money which was not carried on Your person unless placed in a safety deposit box or similar locked, fixed receptacle.

COOLING OFF PERIOD

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

GOVERNING LAW

Your policy is governed by English law, unless You and the Underwriter have agreed otherwise.

COMPLAINTS PROCEDURE

If You have any cause for complaint regarding this insurance, please refer to the Complaints Procedure within this document

DECLARATION OF PRE-EXISTING MEDICAL CONDITIONS, HAZARDOUS ACTIVITIES OR MANUAL LABOUR

Pre-existing Medical Conditions
If You or any person whose ill health would force You to cancel or cut short Your trip have suffered from or received any form of medical advice, treatment or medication for a:
a)	Heart/Circulatory related condition (i.e. hypertension, angina, stroke etc…); or
b)	Lung/Breathing related condition (excluding mild, well controlled asthma suffered in isolation); or
c)	Cancerous condition;
d)	Psychological condition; or
e)	Blood/Immune Deficiency Disorder
during the nine months prior to taking out this insurance, You must either:
1.	declare the Pre-existing Medical Condition to Primary Acumus Insurance Solutions Ltd at the point of purchase of your travel insurance policy, who will advise whether the condition can be covered and, if so, at what additional premium; or
2.	if Primary Acumus Insurance Solutions Ltd cannot provide cover in the first instance for the Pre-existing Medical Conditon, or you have forgotten to declare a condition at the point of purchase, you must contact Healthcheck™ on 0870 2000 015 in order to arrange cover.

Failure to advise either Primary Acumus Insurance Solutions Ltd or Healthcheck™ will result in claims relating to the undisclosed conditions not being paid.

Manual Employment
You will not be covered for any claim arising from any manual employment, except bar work and fruit picking (not involving the use of agricultural machinery). However, by declaring Your proposed manual employment to Healthcheck™ on 0870 2000 015, in most circumstances, Your policy can be extended to cover You fully and You will be able to travel with full peace of mind. There may be amendments in policy conditions and/or an additional premium to pay.

Hazardous Activities
You are covered under the Personal Accident and Medical Expenses Sections for the following activities automatically, provided that the activity is on an Incidental Basis, so You do not need to declare this to Primary Acumus Insurance Solutions Ltd or contact Healthcheck™.
• Archery • Golf • Rambling/Trekking/Walking on foot (under 2,000 metres altitude) • WaterSkiing/WindSurfing/Snorkelling • Hot Air Ballooning (pre-booked with a UK tour operator) • Scuba Diving (for a maximum period of 7 days during the Period of Insurance and to depths not exceeding 30metres). • Jet Skiing • Parascending (overwater) • Cycling • Motor Cycling under 50cc • Tour Operator Safaris (not involving the use of firearms) • Yachting(inside territorial waters) • Triathlons

*Please note: Diving Equipment and certain activity equipment is not covered under this policy.*
You will not be covered for any claim arising from any manual employment, except bar work and fruit picking (not involving the use of agricultural machinery). However, by declaring Your proposed manual employment to Healthcheck™ on 0870 2000 015, in most circumstances, Your policy can be extended to cover You fully and You will be able to travel with full peace of mind. There may be amendments in policy conditions and/or an additional premium to pay.
You are not covered for non-incidental participation in the above or any other Hazardous Activities. However, cover may be obtained by either:
1.	declaring the Hazardous Activity to Primary Acumus Insurance Solutions Ltd at the point of purchase of your travel insurance policy, who will advise whether the activity can be covered and, if so, at what additional premium; or
2.	if Primary Acumus Insurance Solutions Ltd cannot provide cover in the first instance for the Hazardous Activity, or you have forgotten to declare an activity at the point of purchase, contacting Healthcheck™ on 0870 2000 015 in order to arrange cover.

Driving Abroad
Cover under the Medical Expenses and Personal Accident sections of this insurance shall extend to include claims arising as a consequence of You travelling as a driver and/or passenger in any private motor vehicle or motor cycle under 50cc. It should be noted that no coverage exists under the Personal Liability section of this insurance for claims arising out of the use or possession of a motorised vehicle. Therefore, You are urged to seek confirmation from the vehicle owner or hirer that this area of coverage is adequately provided for under an alternative insurance policy.

What will happen when You declare Your Pre-existing Medical Condition or Hazardous Activity to Primary Acumus Insurance Solutions Ltd?
Primary Acumus Insurance Solutions Ltd's trained operators will ask you a few simple questions about your medical condition or activity. You will be advised as to whether your Pre-existing Medical Condition or Hazardous Activity can be covered and whether there will be an additional premium to pay. If cover can be provided, confirmation of cover will appear on your Certificate (or your quotation). If you do not declare any Pre-existing Medical Condition or Hazardous Activity to Primary Acumus Insurance Solutions Ltd at the point of purchase, you must subsequently declare them to Healthcheck™ or you will not be covered in the event of a claim arising out of your Pre-existing Medical Condition or participation in any Hazardous Activity not listed above.

How to contact Healthcheck™
Telephone: 0870 2000 015 Fax: 0870 2000 013 Monday-Friday 9:00am – 5:30pm Saturday 9:00am – 3:00pm Address: Springfield House, Springfield Road, HORSHAM, West Sussex, RH12 2RG

What will happen when You call Healthcheck™?
Our trained operators will ask You a few simple questions about your intended trip and the medical condition or activity. You will be advised as to whether Your Pre-existing Medical Condition, manual employment or Hazardous Activity can be covered, whether there will be an additional premium to pay or any changes to the policy terms and conditions. This quotation is valid for 14 days from the date given. If the cover can be provided, You will be given an acceptance code and a letter will be sent to You upon receipt of payment, detailing the extension of cover. Please read this letter carefully and keep it with Your insurance documents as it confirms the terms of cover. Please note that cover is not effective until You are in receipt of this letter.

What will happen if You do not contact Healthcheck™?
If You do not contact Healthcheck™ You will not be covered in the event of a claim arising out of Your Pre-existing Medical Condition, Your manual employment or participation in any Hazardous Activity not listed above.

Please Note: Primary Acumus Insurance Solutions Ltd and Healthcheck™ cannot offer cover in the following circumstances: • If You are travelling against the advice of a medical practitioner. • If You are travelling for the purpose of obtaining medical treatment. • If You are on a hospital waiting list or awaiting the results of medical tests or investigations. • If You are suffering from anxiety, stress, depression or any psychological or mental disorder. • If You have received a terminal prognosis at the date of application.

PRIMARY ASSISTANCE

24 HR GLOBAL ASSISTANCE

Primary Assistance MUST be contacted in the event of You dying, incurring medical expenses in excess of £500, being involved in an accident, being admitted to hospital or curtailing for medical reasons.

Any minor illness or injury costs resulting in a claim should be paid by You, a receipt obtained and the amount reclaimed from Primary Loss Adjusters Limited within 31 days of the event.

Primary Assistance Limited, Springfield House, Springfield Road, HORSHAM, West Sussex, RH12 2RG, United Kingdom.

Tel: 44 (0)870 4434999

Fax: 44 (0)1403 225334

Lines open: 24 hours a day – every day of the year

When You call Primary Assistance please have the following information ready:
1.Your full name
2. Date of Birth
3. Caller’s contact number
4. Certificate number
5. Issuing Agent
6. Date of issue
7. Hospital abroad
8. Treating Doctor’s Telephone number
9. Your UK address
10. Your UK Telephone number
11. Your UK Doctor
12. Your UK Doctor’s Telephone number
13. Holiday dates / Flight numbers
14. Healthcheck Code (if appropriate)
15. Medical complaint
16. Details of any Private Health Insurance

Primary Assistance should only be contacted in a medical emergency. Please do not obstruct Primary Assistance telephone lines with non-essential calls.

POLICY TYPES

Single Trip

A single return trip, as defined in the Period of Insurance, beginning and ending in Your Country of Residence. Cover for trips inside Your Country of Residence only applies when accommodation is prebooked and the intended destination is over 50 miles from Your Home.

One way Trip

A single outward trip, as defined in the Period of Insurance, beginning in Your Country of Residence. 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 single return trips, as defined, subject to the following:

• a maximum duration of any one trip as defined on the Certificate

• cover for overnight trips within Your Country of Residence only applies when accommodation is pre-booked and the intended destination is over 50 miles from Your Home

• Wintersports cover as defined on the Certificate subject to a maximum of 17 days per year

• Each person named on the Certificate can travel independently

POLICY PERIODS

Period of Insurance – Single Trip / One-Way Trip

Under Section A (for Cancellation), insurance is effective from the Date of Issue of the Certificate and terminates on commencement of the trip. In respect of all other sections, insurance commences when You leave Your Home or business in Your Country of Residence (whichever is the later) to commence the trip described in the territorial limits and shall cease with whichever occurs first of the following:

• The expiry of the Policy Period as shown on the Certificate;
• Your return Home as planned, at the end of the trip;
• Your first return to Your Country of Residence prior to the planned return at the end of the trip.

The Period of Insurance will be extended day by day up to a maximum of 30 days after the expiry of the period stated on the Certificate when the return is necessarily delayed as a result of Your ill health or failure of Public Transport provided that Primary Assistance has been notified.
In respect of one way trips only, the Period of Insurance shall cease whichever occurs first of the following: the expiry of the Policy Period or 24 hours after the time You first leave the immigration control of Your final destination country.

Period of Insurance – Annual Multi-trip only

Under Section A (for Cancellation), insurance is effective from the later of either commencement of the Period of Cover on the Certificate or the time at which a trip is booked, and terminates with whichever occurs first of the following:

1. The commencement of the trip; or
2. The expiry of the Policy Period as shown in the Certificate.

Please note that Cancellation cover will only commence from the start date of cover if commencement of cover is delayed from the issue date of the policy.
In respect of all other sections, insurance commences when You leave Your Home or business in Your Country of Residence (whichever is the later) to commence the trip described in the territorial limits and shall cease with whichever occurs first of the following:

1. The expiry of the Policy Period as shown on the Certificate.
2. Your return to Your Home as planned, at the end of the trip;
3. Your first return to Your Country of Residence prior to the planned return at the end of the trip; or
4. Your period of travel exceeding the maximum trip length as stated on the Certificate. (If Your period of travel exceeds or was intended to exceed the period stated on the Certificate, then the entire period of travel, including the period stated on the Certificate, will not be covered hereunder).

The Period of Insurance will be extended day by day up to a maximum of 30 days when the return is necessarily delayed as a result of Your ill health or failure of Public Transport provided that Primary Assistance has been notified.
Cover extends to each and every Period of Insurance up to the maximum duration stated on the Certificate for any one trip. (Wintersports, if covered on the Certificate, are limited to a maximum of 17 days per year).

POLICY DEFINITIONS

Wherever the following words or phrases appear within this policy they will always have the same meaning and will appear in bold.

Accident

A sudden, unexpected, unusual, specific, violent, external event which occurs at a single identifiable time and place and independently of all other causes, results directly, immediately and solely in physical bodily injury which results in a Loss. In no event shall the contracting of any disease and/or illness (including, but not limited to heart attack, stroke or cancer), nor the injection or ingestion of any substance, be considered an Accident. An event which directly or indirectly exacerbates a previously existing physical bodily injury shall not be considered an Accident.

Cancellation Costs

Travel and accommodation expenses paid or contracted to be paid by You in respect of Your trip.

Cash

Currency notes and coins.

Certificate/Policy

An Insurance Validation Certificate, including the Schedule of Benefits, used by Primary Acumus Insurance Solutions Ltd to validate and activate this insurance wording. Wherever the word ‘Policy’ is shown this shall be deemed to read ‘Certificate’ and vice versa.

Close Business Associate

Any person whose absence from business for one or more complete days at the same time as You prevents the effective continuation of that business.

Common-Law Partner(s)

Any couple (including same sex) in a common law relationship or who have cohabited for at least 6 months.

Country of Residence

The country in which You habitually reside for the majority of the year.

Curtailment Costs

Travel costs necessarily incurred to return You Home before the booked return date and a pro-rata amount representing the total pre-paid or contracted costs of accommodation, car hire and excursions attributable to each complete day which is not spent overseas. This pro-rata refund excludes all costs attributable to the outward and return travel tickets, whether used or unused.

Excess

Where applicable, the Excess is the first amount of the claim for each person, each section and each incident which is payable by You. Excess amounts are shown in the Schedule of Benefits.

Hazardous Activity

An activity where it is recognised there is an increased risk of injury or can be reasonably expected to exacerbate an existing medical condition.

Home

Your usual place of residence in Your Country of Residence.

Incidental Basis

Your participation in a Hazardous Activity on a casual, fortuitous, occasional or minor basis. Sports tours and/or activity holidays would be considered to include participation in Hazardous Activities on a non-incidental basis.

Loss of Sight

The complete and irrecoverable loss of sight of one or both eyes.

Loss of Limb(s)

Loss by physical severance of a hand at or above the wrist or a foot at or above the ankle.

Permanent Total Disablement

Disablement which, from the moment of Accident, entirely prevents You from attending to any business or occupation of any and every kind and which lasts 12 calendar months and, at the expiry of that period, is, in the opinion of the Underwriter’s Medical Advisors, beyond expectation of improvement.

Pre-existing Medical Condition

Any of the following medical conditions which has been suffered or for which medical advice, treatment or medication has been received within the nine months prior to the Date of Issue of this insurance:

Any Heart/Circulatory conditions (i.e. Hypertension, Angina, Stroke etc…);

Any Lung/Breathing conditions other than mild,

well controlled Asthma suffered in isolation;

Any Cancerous conditions;

Any Psychological conditions; or

Any Blood/Immune deficiency disorders.

Public Transport

The use of train, bus, coach or ferry services, or scheduled flights, running to a published timetable to join the booked travel itinerary.

Relative

Spouse, parent, parent-in-law, son, son-in-law, daughter, daughter-in-law, grandchild, brother, brother-in-law, sister, sister-in-law, fiance(e), Common-Law Partner or legal guardian.

Single Item

Any one article, pair, set or collection under the Personal Effects and Baggage or Ski Equipment sections.

Ski Equipment

Skis, ski sticks, ski bindings, ski boots, snowboard, snowboard bindings and snowboard boots.

Sports Equipment

Those items which are usually worn, carried, used or held during the participation of a sporting activity.

Valuables

Photographic equipment, video and audio equipment of any kind, telescopes and binoculars, spectacles and sunglasses, jewellery, watches, furs, silks, leather goods, animal skins, precious stones and articles made of or containing gold (or other precious metals and/or precious stones).

Wintersports

Skiing, off-piste skiing (except in areas designated as unsafe by resort management), snowboarding with a leash, recreational racing, mono skiing, guided cross country skiing, snow mobiling, tobogganing and ice skating.

You

Any person who is included on the Policy having paid the appropriate premium. Your shall be held to mean that which relates to You.

THE INSURANCE

The Underwriter hereby agrees to the extent and in the manner hereinafter provided, to indemnify You against loss or damage sustained or legal liability for accidents happening during the period stated in the Certificate, after such loss, damage or liability are proved.

PROVIDED always that:

each Underwriter’s liability under this Certificate shall not exceed that percentage of the risk shown against that insurer’s name;

the liability of the Underwriter shall not exceed the limits of liability as expressed in the attached terms and conditions or such other limits of liability as may be substituted therefor by memorandum hereon or attached hereto signed on behalf of the Underwriter.

SECTION A1 - CANCELLATION AND CURTAILMENT CHARGES

What You Are Covered For:
If Your trip is cancelled or curtailed due to any one of the reasons listed below occurring to You or Your travelling companion, and Your travelling companion cancels or curtails their trip, during the Period of Insurance, the Underwriter will indemnify You up to the amount shown in the Schedule of Benefits:

Cancellation for Cancellation Costs (prior to any occurrence giving rise to a claim under this section) which are not recoverable.

Curtailment for Curtailment Costs which are foregone and which are not recoverable.

Reasons for Cancellation and Curtailment:

(a)	death, serious injury or serious illness, occurring during the Period of Insurance, of You, Your travelling companion, a Relative or Close Business Associate of Yours or Your travelling companion, or the person with whom You have arranged to stay whilst on the trip;
(b)	jury service, witness call or compulsory quarantine;
(c)	accident to Your vehicle within 7 days prior to the intended date of departure (applicable to self-drive holidays only);
(d)	the posting overseas or emergency and unavoidable requirements of duty of Armed Forces, Police, Fire, Nursing or Ambulance Services;
(e)	redundancy, notified during the Period of Insurance, which qualifies for payment under the Redundancy Payments Act;
(f)	accidental damage to Your Home rendering it uninhabitable or the Police requiring Your presence following a burglary at Your Home after, or within 7 days prior to, the intended date of departure;
(g)	pregnancy, occurring during the Period of Insurance: 1. and birth is expected within eight (8) weeks of the booked departure or return date; or 2. where complications of pregnancy occur prior to the thirty-second (32) week, if there have not been complications in any previous pregnancy;
(h)	pregnancy, occuring prior to the Period of Insurance, if declared to and agreed by the Underwriter with any required additional premium paid and/or amendments to policy conditions.

What You Are Not Covered For:
The Underwriter shall not be responsible for

1.	the Excess as shown in the Schedule of Benefits;
2.	claims arising directly or indirectly as a result of a Pre-existing Medical Condition of You, Your travelling companion, a Relative or Close Business Associate of Yours or Your travelling companion, or the person with whom You have agreed to stay whilst on the trip, unless declared to and agreed by the Underwriter with any required additional premium paid and/or amendments to policy conditions;
3.	claims arising if the person whose medical condition giving rise to the claim: (i) is travelling against the advice of a medical practitioner or for the purpose of obtaining medical treatment; or (ii) is on a hospital waiting list or awaiting the results of medical investigations; or (iii) has received a terminal prognosis at the date of application;
4.	claims arising which are not supported by written medical confirmation and clinical reports from medical service providers, as well as all other proof of the happening of an event causing Cancellation and Curtailment;
5.	claims for any costs associated with unused timeshare property, airmiles or other like promotions;
6.	claims arising where You have not been able to receive the necessary inoculations or vaccinations or obtain necessary visas;
7.	claims for travel expenses for You to travel to the United Kingdom (or final destination country), when You did not possess return travel tickets;
8.	claims arising from HIV, Acquired Immune Dificienty Syndrome (AIDS) or AIDS related complex, unless declared to and agreed by the Underwriter with any required additional premium paid and/or amendments to policy conditions.

SPECIAL NOTE:
It is a condition of this section that any claim for Cancellation be advised immediately to Primary Loss Adjusters Limited and a claim form requested. Curtailment for any reason must be authorised by Primary Assistance, following written confirmation from the treating doctor if IT IS MEDICALLY NECESSARY THAT YOU CURTAIL YOUR TRIP.

SECTION A2 - CATASTROPHE

What Your Are Covered For:
The Underwriter will indemnify You up to the amount shown in the Schedule of Benefits in respect of additional travel and accommodation expenses necessary to continue Your trip or, in the event that this is impossible, Your return Home if You are forced to relocate from Your pre-booked accommodation as a result of a Natural Catastrophe (which means: fire, lightning, explosion, earthquake, storm, tempest, hurricane or flood).

What You Are Not Covered For:

1.	the Excess as shown in the Schedule of Benefits;
2.	claims which are not substantiated by a written report from the local or national authority who ordered Your relocation confirming the exact cause of your relocation.

SECTION A3 - WITHDRAWAL OF SERVICES

What You Are Covered For:
The Underwriter will pay You the amount shown in the Schedule of Benefits for each and every completed period of 24 hours where, due to strike or industrial action, Your pre-booked hotel completely withdraws the following:

(i)	water or electrical facilities; or
(ii)	swimming pool facilities; or
(iii)	kitchen services to the extent that no food is available; or
(iv)	chambermaid facilities.

What You Are Not Covered For:

1.	claims which are not substantiated by a written report from the tour representative and/or hotel confirming the exact length, nature and cause of the disruption;
2.	claims arising from strike or industrial action which was notified at the time the insurance was purchased;
3.	claims for services not normally available prior to any strike or industrial action.

SECTION B – MEDICAL AND AIR AMBULANCE EXPENSES

What You Are Covered For:
The Underwriter will reimburse You up to the amount shown in the Schedule of Benefits in respect of the following expenses necessarily incurred as a result of You sustaining accidental bodily injury or becoming ill:

1. Medical Expenses

(a)	cost of medical, surgical or hospital treatment (including emergency dental treatment up to £200 for the immediate relief of pain only). The Underwriter reserves the right to repatriate when, in the opinion of the doctor in attendance and the Underwriter’s Medical Advisors, You are fit to travel.
(b)	cost of transporting Your remains to Your Country of Residence, or the reasonable cost of funeral in the country where death occurs, up to £3,000.
(c)	reasonable additional transportation and accommodation (room only) costs (up to £1,000 per person for accommodation room only) incurred by You and any one person travelling with You, as a result of You receiving medical advice from the doctor in attendance and the Underwriter’s Medical Advisors that Your originally planned return journey to Your Country of Residence is impossible due to medical reasons. (Payment shall be based upon the average cost of transportation and accommodation incurred prior to the originally planned return date).
(d)	cost of Your return to Your Country of Residence by medically appropriate means where, in the opinion of the Underwriter’s Medical Advisors, such return is medically necessary.

What You Are Not Covered For:
The Underwriter shall not be responsible for

1.	the Excess (unless You use a Form E111 which successfully reduces the amount of the claim) as shown in the Schedule of Benefits;
2.	claims arising directly or indirectly as a result of Your Pre-existing Medical Condition (including HIV, Acquired Immune Deficiency Syndrome (AIDS) or AIDS related complex) unless declared to and agreed by the Underwriter with any required additional premium paid and/or amendments to the policy conditions;
3.	claims arising if You: (i) are travelling against the advice of a medical practitioner or for the purpose of obtaining medical treatment; or (ii) are on a hospital waiting list or awaiting the results of medical investigations; or (iii) have received a terminal prognosis at the date of application;
4.	claims arising for treatment or surgery which, in the opinion of the Underwriter’s Medical Advisors, is not essential or can reasonably be delayed until Your return to Your Country of Residence;
5.	claims arising from the additional costs of single or private hospital accommodation;
6.	claims arising from medical treatment of any kind received in the United Kingdom or in Your Country of Residence;
7.	claims arising directly or indirectly from pregnancy, other than complications of pregnancy occurring prior to the thirty-second week, if pregnancy occurred after the date of issue of the Certificate (after the date of booking the trip for Annual Multi-Trip), and You have not had complications in any previous pregnancy or, if pregnancy occurred prior to the date of issue of the Certificate, it was declared to and accepted by the Underwriter;
8.	claims arising from medical treatment of any kind not authorised at the time by a recognised registered medical practitioner;
9.	claims arising from medical treatment of any kind occurring after You have refused the offer of repatriation when, in the opinion of the doctor in attendance and the Underwriter’s Medical Advisor, You are fit to travel;
10.	claims arising in respect of physiotherapy treatment and other associated treatments, except as part of an ongoing treatment programme for a serious injury which, in the opinion of the Underwriter’s Medical Advisors, cannot reasonably be delayed until Your return Home;
11.	claims in respect of expenses arising from You not possessing return travel tickets.

SPECIAL NOTE:
In the event of You dying, incurring medical expenses in excess of £500, being involved in an accident, being admitted to hospital, or curtailing for medical reasons, Primary Assistance must be advised immediately and liability shall only attach for expenses agreed by them. Failure to notify Primary Assistance will prejudice the Underwriter and will result in the Underwriter’s non-acceptance of liability of such claims.
Should You require medical treatment in Australia, You must enrol with MEDICARE. It is not necessary to enrol on arrival. You can simply do this on the first occasion You receive treatment.
In-patient and out-patient treatment at a public hospital is then available free of charge. Should You be admitted to hospital then immediate contact must be made with Primary Assistance and their authority obtained in respect of any treatment NOT available under MEDICARE before such treatment is provided. Wherever possible, give all such information and assistance as the Underwriter may require.

SECTION C1 - HOSPITALISATION INCONVENIENCE CONTRIBUTION

What You Are Covered For:
The Underwriter will pay You the amount shown in the Schedule of Benefits for each and every completed period of 24 hours for which You are an in-patient in a hospital, as a direct result of an accidental injury or illness which is covered under Section B.

SECTION C2 - KENNEL FEES

The Underwriter will pay You the amount shown in the Schedule of Benefits for each and every completed period of 24 hours, in the event that You incur additional kennelling fees due to Your return Home being delayed as a result of a covered event under Section B.

SECTION D - PERSONAL EFFECTS AND BAGGAGE

What You Are Covered For:
Lost, Stolen or Damaged
The Underwriter will reimburse You up to the amount as shown in the Schedule of Benefits, for the value of personal property taken or purchased on the trip by You which is accidentally lost, stolen or damaged.
The maximum payment for any Single Item is shown in the Schedule of Benefits. The maximum payment for Valuables is shown in the Schedule of Benefits.
The maximum payment for any Single Item for which an original receipt, proof of purchase or insurance valuation (obtained prior to the loss) is not supplied is £50, subject to a maximum of £200 for all such items.

Travel Documents
The Underwriter will reimburse You up to the maximum as shown in the Schedule of Benefits for the value of Travel Documents (passport, green card, travel tickets, visas, accommodation vouchers and petrol coupons) held by You which are lost or stolen (and reasonable expenses directly consequential upon any such loss).

Baggage Delay
The Underwriter will reimburse You for the cost of purchase of necessities, up to the maximum as shown in the Schedule of Benefits should baggage be delayed or lost in transit on the outward journey for more than 24 hours. Payment made under this heading will be set against the amount of claim arising if the baggage is permanently lost. You must supply receipts for the items purchased and confirmation from the carrier of the length of delay.

What You Are Not Covered For:
The Underwriter shall not be responsible for

1.	the Excess as shown in the Schedule of Benefits;
2.	wear, tear and depreciation of the article(s);
3.	claims arising from breakage of fragile articles unless caused by fire or accident to a vehicle;
4.	claims arising for loss, theft or damage to prams, buggies, wheelchairs, pedal cycles, motor vehicles, marine or diving equipment and craft, surfboards or related equipment or fittings of any kind;
5.	claims arising from damage caused by leakage of powder or liquid carried within personal effects or baggage;
6.	claims arising for Cash, cheques, travellers cheques, stamps, contact lenses, computer and telecommunication equipment of any kind, cellular telephones, and TV sets;
7.	claims arising for theft which are not reported to any appropriate police authority within 24 hours of discovery and an official report obtained;
8.	claims arising for loss or damage which are not reported to any appropriate authority within 24 hours of discovery and an official report obtained (and specifically for claims arising against or in common carriers and hotels, any claim not reported in writing to such carrier or hotel within 24 hours of discovery, and an official report obtained). In the case of an airline, a Property Irregularity Report will be required;
9.	claims arising for breakage of Sports Equipment whilst in use;
10.	claims arising from delay, detention, seizure or confiscation by Customs or other officials;
11.	claims arising for loss or theft of or damage to household goods or anything shipped as freight or under a Bill of Lading;
12.	claims arising for loss of or damage to dentures or bridgework, artificial limbs or hearing aids of any kind;
13.	claims arising from property left unattended in a place to which the general public has access or left in the custody of a person who does not have an official responsibility for the safekeeping of the property;
14.	claims arising for loss or theft of or damage to items from an unattended motor vehicle, unless taken from a locked boot between 8am and 8pm local time and there is evidence of forced entry which is confirmed by a police report;
15.	claims arising for loss of or damage to items carried on a vehicle roof rack;
16.	claims arising for loss or theft of or damage to Valuables which at the time of such loss, theft or damage were located in checked-in luggage or an unattended motor vehicle;
17.	claims arising for loss, theft or damage in excess of £100 occurring on a beach or in or around a swimming pool (including claims under Section E).

SECTION E - PERSONAL MONEY

What You Are Covered For:
The Underwriter will indemnify You up to the amount as shown in the Schedule of Benefits in respect of Cash or travellers cheques (unless the issuer provides replacement service) which is Your property and carried on Your person (a reduced limit applies as shown in the Schedule of Benefits for children under 18 unless an adult premium has been paid) unless placed in a safety deposit box or similar locked, fixed receptacle. Cover for Cash is limited to the Cash limit as shown in the Schedule of Benefits.

What You Are Not Covered For:
The Underwriter shall not be responsible for

1.	the Excess as shown in the Schedule of Benefits;
2.	claims arising for theft which are not reported to any appropriate police authority within 24 hours of discovery and an official report obtained;
3.	claims for loss which are not reported to any appropriate authority within 24 hours of discovery and an official report obtained (and specifically for claims arising against or in common carriers and hotels, any claim not reported in writing to such carrier or hotel within 24 hours of discovery, and an official report obtained). In the case of an airline, a Property Irregularity Report will be required;
4.	claims arising from delay, detention, seizure or confiscation by Customs or other officials;
5.	claims arising from shortages due to error, omission or depreciation in value;
6.	claims arising for loss or theft of cash which at the time of such loss or theft was located in checked-in luggage or an unattended motor vehicle;
7.	claims for loss or theft in excess of £100 occurring on a beach or in or around a swimming pool (including claims under Section D).

SECTION F - TRAVEL DELAY AND HOLIDAY ABANDONMENT

What You Are Covered For:
In the event of a delay of Your planned first outward flight, rail or sea trip from Your Country of Residence or planned final inbound flight, rail or sea trip to Your Country of Residence, the Underwriter will indemnify You as follows:

1. Travel Delay
	The amount shown in the Schedule of Benefits for the first 12 hour period of delay and an additional amount for each full 12 hour period of delay thereafter, up to the maximum amount shown in the Schedule of Benefits, providing always that You obtain from the carrier a statement confirming the length and exact nature of the delay.
2. Abandonment
	If the holiday or journey is necessarily cancelled following a delay of not less than 24 hours beyond the scheduled departure time (and written confirmation obtained from the carrier), the Underwriter will indemnify You up to the amount shown in the Schedule of Benefits for travel and accommodation expenses paid or contracted to be paid by You in respect of Your own trip (prior to any occurrence giving rise to a claim under this section) and which are not recoverable.

No claim shall be made under both Travel Delay and Abandonment.

What You Are Not Covered For:
The Underwriter shall not be responsible for

1.	the Excess as shown in the Schedule of Benefits for Section F2 (Abandonment);
2.	claims arising from delay caused by strike or industrial action if already notified at the time the insurance was purchased.

SECTION G - HIJACK

What You Are Covered For:
The Underwriter will pay You the amount shown in the Schedule of Benefits for each and every completed period of 24 hours in the event of hijack of the transport on which You are travelling.

What You Are Not Covered For:
The Underwriter shall not be responsible for
1. claims not substantiated by a police report confirming the length and exact nature of the incident.

SECTION H - MISSED DEPARTURE

What You Are Covered For:
The Underwriter will indemnify You up to the amount shown in the Schedule of Benefits, in respect of reasonable additional costs of travel and accommodation necessarily incurred if You are unable to reach the International point of departure of the booked travel itinerary on the initial outward or final return journey as a consequence of the failure of Public Transport services or the accident/breakdown of a private motor car in which You are travelling.

What You Are Not Covered For:
The Underwriter shall not be responsible for

1.	the Excess as shown in the Schedule of Benefits;
2.	claims arising as a result of You not having taken reasonable steps to complete the journey to the departure point on time;
3.	claims arising from the failure of Public Transport services caused by strike, riot or civil commotion for which warning has been given prior to the commencement of departure to the departure point;
4.	claims arising from the vehicle not having been properly serviced and maintained, in the event of vehicle breakdown;
5.	claims arising from vehicle breakdown that are not substantiated by a written report from a rescue service or garage.

SECTION I - PERSONAL ACCIDENT

What You Are Covered For:
The Underwriter will indemnify You or Your estate the sum insured as shown in the Schedule of Benefits for one of the following Losses resulting from an Accident sustained by You: Death, Loss of Limb(s), Loss of Sight or Permanent Total Disablement. Loss must occur within 180 days of the date of Accident. No benefits shall be paid for more than one Loss suffered.

SECTION J - PERSONAL LIABILITY

What You Are Covered For:
The Underwriter will indemnify You up to the amount shown in the Schedule of Benefits for Your legal liability for accidental injury to third parties and/or accidental damage to their property. This cover is applicable only in respect of liability under the law of the country in which the event giving rise to the claim occurred, or under English law.

What You Are Not Covered For:
The Underwriter shall not be responsible for

1.	the Excess for each claim for damage to property as shown in the Schedule of Benefits;
2.	claims arising directly or indirectly from, happening through or in consequence of: (i) employer’s liability, contractual liability, or liability to a member of Your family, Your travelling companion’s family or to Your travelling companion; (ii) animals belonging to You, or in Your care, custody or control; (iii) wilful, malicious or unlawful acts or the use of firearms; (iv) the pursuit of trade, business or profession; (v) ownership or occupation of land or buildings; or (vi) the influence of intoxicating liquor or drugs;
3.	claims arising directly or indirectly from, happening through or in consequence of ownership, possession or use of any vehicle, automobile, aircraft, watercraft, or any mechanically propelled conveyance;
4.	claims for legal fees and costs resulting from any criminal proceedings.

SPECIAL NOTE:
No liability shall be admitted and no admission, arrangement, offer, promise or payment shall be made by You without the written consent of the Underwriter, who shall be entitled, if they so desire, to take over and conduct, in Your name, their defence of any claim or to prosecute for their own benefit any claims for indemnity, damages or otherwise against any third party. The Underwriter shall have full discretion in the conduct of any negotiations, proceedings, or the settlement of any claims and You shall, wherever possible, give all such information and assistance as the Underwriter may require.

SECTION K - LEGAL EXPENSES

What You Are Covered For:
The Underwriter will reimburse You up to the amount as shown in the Schedule of Benefits, for legal costs incurred by You in pursuit of legal proceedings against third parties (excluding any member of Your family or travelling companion) for any compensation owed to You arising directly from physical bodily injury or death during the Period of Insurance.

What You Are Not Covered For:
The Underwriter shall not be responsible for

1.	the Excess as shown in the Schedule of Benefits;
2.	claims arising for any legal expenses incurred without prior authorisation by the Underwriter;
3.	claims arising where the Underwriter considers Your prospects of success in achieving a reasonable benefit to be insufficient;
4.	claims arising pursuant to a contingent fee agreement between You and Your counsel;
5.	claims arising for travel and accommodation expenses in pursuit of a legal action;
6.	claims arising from You pursuing legal proceedings as part of and/or on behalf of a group or organisation;
7.	claims incurred for any legal costs pursuant to a legal action against a travel agent, tour operator, carrier, the Underwriter, Primary Underwriting Limited, Primary International Limited, Primary Loss Adjusters Limited, Primary Assistance Limited or Primary Acumus Insurance Solutions Ltd Limited.

SPECIAL NOTE:
You must comply with the following procedures:

(a)	You shall apply to the Underwriter for a written acknowledgement by the Underwriter of the existence of a potentially viable claim.
(b)	If an acknowledgement in (a) is granted, the Underwriter shall initially pay up to 5% of the amount shown in the Schedule of Benefits for legal costs incurred by You to determine the probability of success in achieving a reasonable benefit. This shall include an assessment of the legal liability of the potential defendant and the ability to collect damages from the potential defendant.

The Underwriter shall not be responsible for any legal expenses incurred prior to its issuing You with a written acknowledgement of the existence of a potentially viable claim. In the event that You are awarded legal costs as part of any judgement or settlement, the Underwriter shall be entitled to repayment by You of any sums paid under this Section. In the event that You are awarded compensation (by judgement or settlement), the Underwriter shall be entitled to recover from You two thirds of any sum paid to You under any section of this policy on account of the same incident for which compensation is received. Claims in respect of Sections J and K must be notified to Primary Loss Adjusters Limited in writing immediately.

WINTERSPORTS COVER
Provided when Wintersports Cover is effected

Wintersports cover shall not be bound by Exclusions Applicable to All Sections, paragraph 9, in so far as it excludes ‘All Wintersports’. However, the following activities will still be excluded from cover: ski jumping, ski flying, heli-skiing, ski acrobatics, ski stunting, freestyle skiing, off-piste skiing on areas designated as unsafe by resort management, ski racing and training, ski bob racing, parapenting, ice hockey and use of skeletons and bobsleighs.

SECTION L - SKI EQUIPMENT

What You Are Covered For:
The Underwriter will indemnify You in respect of loss or breakage of Ski Equipment up to the amount shown in the Schedule of Benefits for owned and hired Ski Equipment. In the case of owned Ski Equipment, each claim is subject to a maximum payment for any Single Item shown in the Schedule of Benefits.
The maximum payment for any Single Item for which an original receipt, proof of purchase or insurance valuation (obtained prior to the loss) is not supplied is £50, subject to a maximum of £200 for all such items.

What You Are Not Covered For:
The Underwriter shall not be responsible for

1.	the Excess as shown in the Schedule of Benefits;
2.	claims arising for theft which are not reported to any appropriate police authority within 24 hours of discovery and an official report obtained;
3.	claims arising for loss or damage which are not reported to any appropriate authority within 24 hours of discovery and an official report obtained (and specifically for claims arising against or in common carriers and hotels, any claim not reported in writing to such a carrier or hotel within 24 hours of discovery, and an official report obtained). In the case of an airline, a Property Irregularity Report will be required;
4.	claims arising from delay, detention, seizure or confiscation by Customs or other officials;
5.	claims arising for loss or theft of or damage to anything shipped as freight or under a Bill of Lading;
6.	claims arising for Ski Equipment left unattended in a place to which the general public has access or left in the custody of a person who does not have an official responsibility for the safekeeping of the property;
7.	claims arising for loss, theft or damage of items from an unattended motor vehicle, unless taken from a locked boot or locked roof rack between 8am and 8pm local time and there is evidence of damage or forced entry which is confirmed by a police report;
8.	breakage of Ski Equipment over 5 years old;

SPECIAL NOTE:
The Underwriter’s liability for Ski Equipment owned by You shall be further limited as follows:

Up to 1 year old – 90% of purchase price
Up to 2 years old – 70% of purchase price
Up to 3 years old – 50% of purchase price
Up to 4 years old – 30% of purchase price
Up to 5 years old – 20% of purchase price
Over 5 years old – nil

The Underwriter’s liability for Ski Equipment hired by You shall be further limited to Your liability for such loss or damage.

SECTION M - SKI HIRE

What You Are Covered For:
The Underwriter will indemnify You up to the amount shown in the Schedule of Benefits for each 24 hour period for the cost of necessary hire of Ski Equipment following:
(a) loss or breakage of Your Ski Equipment; or
(b) the misdirection or delay in transit of Your Ski Equipment for 12 hours.

What You Are Not Covered For:
The Underwriter shall not be responsible for

1.	the Excess as shown in the Schedule of Benefits;
2.	claims arising for theft which are not reported to any appropriate police authority within 24 hours of discovery and an official report obtained;
3.	claims arising for loss or damage which are not reported to any appropriate authority within 24 hours of discovery and an official report obtained (and specifically for claims arising against or in common carriers and hotels, any claim not reported in writing to such carrier or hotel within 24 hours of discovery, and an official report obtained). In the case of an airline, a Property Irregularity Report will be required;
4.	claims arising for loss or theft of or damage to anything shipped as freight or under a Bill of Lading;
5.	claims arising for property left unattended in a place to which the general public has access or left in the custody of a person who does not have an official responsibility for the safekeeping of the property;