We will reimburse You in respect of irrecoverable deposits or charges paid in advance or contracted to be paid for travel and accommodation not used by You, as a direct result of the Holiday/ Journey being necessary and unavoidably cancelled owing to:

1. Your death, injury or illness or that of Your spouse.
2. the death, serious injury or serious illness of
   1. any close relative of Yours (as defined on page 2)
   
   or
   2. a close business associate of Yours (as defined on page 2)
   
   or
   3. a person with whom You had planned to travel
   
   or
   4. 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 effected and before the commencement of the Holiday/ Journey.

Please note: This insurance will cease once You have made a claim for Cancellation.

Where cancellation is due to 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.

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 close business associate of Yours resident in the United Kingdom
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.

Please note: that Curtailment claims will be calculated from the day You return to the United Kingdom or Your usual country of residence or You are hospitalised as an in-patient. Your claim will be based solely on the number of complete nights' accommodation lost. In respect of travel expenses, we will pay for any reasonable additional costs but not for the loss of Your pre-booked arrangements.

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 residence in the United Kingdom, Channel Islands or the Isle of Man, or appropriate medical facility.
2. The prior approval of IMR must be obtained to confirm the necessity to return home, for any reasons or by any method other than as originally planned. Failure to do so may affect the assessment of Your claim.

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 date of validation of this Policy.
4. where You are expected to give birth before or within 8 weeks of your insurance end date.
5. if You are travelling 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. Excess: The first £40 of each and every claim per Insured Person is excluded (£ 15 Loss of Deposit).

1. violent external and visible means or
2. 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
   

   (i)		Death		£10,000
   (ii)		Loss of one or more limbs and/ or sight in one or both eyes		£15,000
   (iii)		Permanent Total Disablement		£15,000

1. under 16 years of age Benefit (i) above is reduced to £2,500


2. or (b) aged 70 years or over no cover operates in respect of Benefit (ii) and (iii).

DEFINITIONS Loss of limb means permanent loss by physical severance at or above the wrist or ankle. Loss of sight means complete and irrecoverable loss of all sight. Permanent total disablement means total disablement from engaging in or attending to any occupation for at least twelve months from the date of injury and at the end of that time being beyond hope of any improvement.

Section 2 Excludes
We will not pay

1. for claims resulting from motorcycling
2. for claims arising out of manual labour in connection with Your trade, business or profession.
3. for claims arising from Your:
   1. suicide or attempted suicide
   2. being effected
   1. (temporarily or otherwise) by alcohol or drug( s)
   2. by any sexually transmitted disease or condition
   3. wilfully self inflicted injury or wilful exposure to danger, except in an attempt to save human life.

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 UK, 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
   1. You where it is necessary for You to stay beyond the intended return date due to Your illness or injury.
   2. 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 the United Kingdom in the locality where death occurs and/ or the cost of transport of body or ashes to the United Kingdom, for an amount not exceeding £5,000.
4. cost of transporting Your remains to the normal place of residence in the United Kingdom in the event of death in the United Kingdom, for an amount not exceeding £1,000.

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 as an in-patient owing to accidental bodily injury or illness sustained outside the United Kingdom, We will pay a benefit of £15 for each complete 24 hours You are in hospital, subject to a maximum of £300 for each Insured Person.

1. treatment or aid is obtained in the United Kingdom.
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.
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 validation of this Policy.
7. You are expected to give birth before or within 8 weeks of your insurance expirary date.
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 12 months after your insurance expirary date.
11. We shall not be liable for
    1. any expenses or fees for in-patient treatment or repatriation which have not been notified to and authorised by us or IMR
    2. any costs in respect of telephone calls other than the first telephone call to IMR notifying them of the problem
    3. 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
    4. any expenses incurred as a result of a tropical disease where the recommended inoculations have not been undertaken.
12. Excess: The first £40 of each and every claim per Insured Person is excluded.

1. We will reimburse You in respect of accidental loss of or theft of or damage to:
   1. Personal Luggage -which means suitcases, trunks or like receptacles and clothing and personal effects worn or carried on the person all owned by (not hired, loaned or entrusted to) You but excluding Personal Money and Valuables
   2. Personal Money -which means cash, bank or currency notes, cheques, travellers cheques, postal or money orders, travel tickets, passports, petrol coupons or credit vouchers
   3. Valuables (as defined on page 2).
2. In the event of Personal Luggage being temporarily lost in transit to the holiday destination for longer than 12 hours, We will pay up to £75 for the purchase of essential items of clothing and personal requisities. Any payments under this heading will be deducted from claims under Section 4 1( i) in respect of the same property. Our limit of liability in respect of
   1. personal luggage is £1,500 (limited to £750 if You are aged under 16 years on the date of departure) subject to a limit of £200 for any one article or pair or set of articles irrespective of single or joint ownership.
   2. money is £500 but for loss of cash, bank or currency notes the limit is £250 whether in the custody of one or more Insured Persons irrespective of ownership.
   3. valuables is £200 subject to a limit of £200 for any one article or pair or set of articles irrespective of single or joint ownership.
   In respect of (ii) and (iii) above there is a combined limit of £100 if You are aged under 16 years on the date of departure.

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.

1. accidental loss of or theft of or damage to property 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
      1. there is evidence of forcible and violent entry to such vehicle
      2. no cover shall apply in respect of property in vehicles left unattended at any time between the hours of 10 pm and 8 am.
      3. no cover shall apply in respect of Money and Valuables at any time
      4. Your failure to inform the police as soon as possible of any loss or theft of Personal Luggage or theft or loss of Personal Money or Valuables and fail to obtain a written report.
2. Your failure to inform the Police as soon as possible of any loss or theft of personal luggage or theft or loss of personal money or valuables and failure to obtain a written report.
3. accidental loss 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:
   1. stamps and documents (other than those specifically mentioned)
   2. spectacles, sun glasses, contact or corneal lenses
   3. breakage or chipping of glass, porcelain, ceramic or china or any consequential loss resulting from such breakage
   4. business goods or samples or business money
   5. land, air or water craft of any kind including cycles but excluding any models or toys
   6. items of a perishable nature
   7. 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, depreciation, 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 (other than wedding rings).
11. Property more specifically insured elsewhere.
12. Excess: In respect of (i) and (iii) Personal Luggage and Valuables the first £40 of each and every loss or claim each Insured Person is excluded.
    In respect of (ii) Personal Money. The first £40 of each and every loss or claim each Insured Person is excluded.

If during the Period of the Holiday/ Journey Your passport is accidentally lost or stolen, We will reimburse the reasonable additional accommodation and travel expenses necessarily incurred abroad by You in obtaining a replacement up to a maximum of £200.

1. notify the nearest British Embassy or Consulate and
2. obtain a written report from the British Embassy or Consulate of such loss.

N. B. This Section applies only to holders of valid British Passports.

1. strike or industrial action
2. adverse weather conditions
3. mechanical breakdown of the aircraft, train, coach or sea vessel.

1. compensation of £20 for the first full 12 hours delay and £10 for each further full 12 hours delay up to limit of liability (a) above. The delay will be calculated from the departure time of the aircraft, train, coach or sea vessel specified in the official itinerary supplied to You
   or
2. on the outward journey if after 12 hours delay You elect to abandon the Holiday/ Journey, We will pay up to limit of liability (b) above in respect of prepaid expenses or expenses contracted to be paid for Your benefit which are not recoverable from any other source.

N. B. A claim cannot be made under both (a) and (b) or under both Sections 1 & 6.

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. Excess. The first £40 of each and every claim each Insured Person is excluded in respect of (b) only.

1. adverse weather conditions
2. strike
3. industrial action
4. mechanical breakdown
5. accident to the vehicle

Section 7 Excludes
We will not pay for

1. claims arising from strike or industrial action prior to the commencement of departure from Your Home or place of business whichever is later.
2. The cost of repairs to the vehicle in which You are travelling.

Condition
A repairers report will be required in the event of a claim in respect of car breakdown, together with proof that the vehicle has been properly serviced.

N. B. This section applies only in respect of an outward journey from the United Kingdom to an overseas destination.

1. death of or bodily injury to any person
2. loss of or damage to their property

The total amount payable for all claims made against You arising from any one occurrence is £2,000,000. We will in addition pay any legal costs and expenses awarded against You or incurred by You with our written consent.

1. Punitive and exemplary damages.
2. Liability in respect of:
   1. death of or bodily injury to Your employees or members of Your family or houshold permanently living with You or a travelling companion.
   2. 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.
   3. Your trade, business or profession.
   4. the ownership or occupation of any land or building (other than occupation only, of any temporary holiday accommodation, in which case the first £100 of each and every claim is excluded).
   5. 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.
   6. any contract or agreement unless liability would have applied anyway.
   7. 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.

To pay legal costs and expenses incurred by You up to a maximum of £10,000 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.

1. We shall not be liable for:
   1. Costs incurred in pursuance of any claim against a Travel Agent, Tour Operator, Carrier, Accommodation provider, the Underwriting Agents, Insurer or Insurers Agent or any other person insured under the same policy.
   2. Legal expenses incurred prior to the granting of support by Us.
   3. Any claims reported more than 180 days after the commencement of the incident giving rise to such claim.
   4. 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.
   5. Costs incurred in pursuance of a claim against any person with whom You had arranged to travel.
   6. Any claim where You are insured for legal expenses under any other insurance policy.
   7. Any claim where in Our opinion there is insufficient prospect of success in obtaining a reasonable benefit.
2. We shall not be liable for any claim where legal costs and expenses are based directly or indirectly on the amount of an award.
3. The insurance will not extend to covering You in the pursuit of any appeal except at our sole discretion.
4. 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.

1. We shall have complete control over the legal proceedings and the appointment and control of a lawyer.
2. You must follow the legal representatives 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 representatives 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.

Provided the appropriate premium has been paid then cover under Sections 1-9 is extended to include Winter Sports activities but excluding off-piste skiing, ski-racing in major events, ski-jumping, ice hockey, the use of bobsleighs or skeletons and in addition the following three sections, 10, 11 and 12 are included.

To pay up to £500 in all each Insured Person in respect of accidental loss or theft of or damage to snowboards, skis, bindings, boots or poles under 5 years old subject to a limit of £350 any one pair (see note below). There is an overall limit of £150 in respect of hired equipment.
Note: Claims for owned ski equipment only will be calculated as follows: up to one year old -90% of purchase price; up to 2 years old -70%; up to 3 years -50%; up to 4 years -30%; up to 5 years -20%; over 5 years -nil.

1. accidental loss of or theft of or damage to property 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
      1. there is evidence of forcible and violent entry to such vehicle
      2. 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
   1. by weather conditions resulting from failure to protect items
   2. by theft or malicious persons whilst the vehicle is unattended
3. damaged winter sports equipment owned by You not returned to the UK for inspection.
4. ski equipment used by persons for whom it was not designed.
5. any loss, theft or suspected theft unless You inform the police as soon as possible and obtain a written report.
6. accidental loss or theft of or damage to property whilst in the custody of an airline or other carrier, unless reported immediately upon discovery. In the case of an airline a Property Irregularity Report must be obtained.
7. Excess: The first £40 of each and every loss or claim each Insured Person is excluded.

To pay up to £250 in all each Insured Person in respect of the reasonable cost of hiring a snowboard, skis, bindings, boots or poles as a result of the accidental loss or theft of or damage or temporary loss in transit for more than 12 hours of Your own equipment during the Period of Insurance.

To pay up to £250 in all each Insured Person in respect of the proportionate loss of irrecoverable ski pack costs paid or contracted to be paid prior to the journey/ holiday consequent on You becoming ill or sustaining personal injury during the Period of journey/ holiday and certified by a Medical Practitioner as being unable to ski and a written report obtained.
Definition: A ski pack shall consist of prebooked lift passes, hired skis, bindings and boots and ski school fees.

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 are aged 75 years or over on the intended date of departure or 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
   1. Your hospitalisation
   
   or
   2. Your intended repatriation for medical reasons
   
   or
   3. 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
   4. if out-patient treatment appears likely to cost more than £500.
   
   or
   5. if Your return is delayed due to medical reasons or your Your inability to return home as planned due to medical reasons occurring during the Holiday/Journey

1. On the happening of any illness, injury, loss or damage, You must at Your own expense:
   1. give Us full details in writing as soon as possible after any event which could lead to a claim under this Policy
   2. take all reasonable precautions to prevent further illness, injury, loss or damage
   3. immediately inform the police of any loss or theft of Personal Luggage or Money or Valuables and obtain a written report
   4. supply all reports, certificates, information, evidence and assistance as may be required by Us
   5. send to Us any writ, summons or other legal document served on You and must not answer any correspondence without Our written consent
2. We shall be entitled
   1. to negotiate, defend or settle in Your name and on Your behalf any claim made against You
   2. to prosecute in Your name for Our benefit any claim against any person in respect of any amount paid or payable under this Policy.
   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 claims arising under this Insurance shall be governed by the Law of England whose Courts alone shall have jurisdiction in any dispute arising hereunder.

1. Claims directly or indirectly arising from
   1. Your engaging in:
      1. winter sports unless the appropriate additional premium has been paid, in which case "Winter Sports" is amended to off-piste skiing, ski racing in major events, ski jumping, ice hockey, the use of bobsleighs or skeletons.
      2. parachuting, aerial activities, aeronautics or aviation other than as a fare paying passenger in a licensed passenger aircraft
      3. motorcycling (other than mopeds and motorcycles up to 150 cc hired during the period of the Holiday/ Journey and for which You hold a current driving licence), yachting outside coastal waters (which are defined as being within sight of land), motor competitions, aqualung diving, any form of combat, climbing necessitating the use of ropes or guides, polo, pot-holing, riding in or on any boat designed to travel at a speed in excess of 30 knots, crewing a vessel from one country to another, water ski-jumping and tricks, racing other than on foot, show jumping and any other sport or pastime of a comparably hazardous nature
      4. work of any kind undertaken during the period of the Holiday/ Journey other than clerical, managerial or commercial duties
      5. association or rugby football or any professional sports
      6. taking part in expeditions or treks.
   2. Your:
      1. suicide or attempted suicide
      2. being affected
         1. (temporarily or otherwise) by alcohol or drug( s)
         2. by any sexually transmitted disease or condition
      3. 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
   1. Ionising radiations or contamination by radioactivity from any nuclear fuel or from waste from the combustion or nuclear fuel
   2. The radioactive toxic explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof
   3. Detention or confiscation or requisition by any Government or Public or Local Authority
   4. Pressure waves caused by aircraft or other aerial devices
   5. 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, 3 and 4, 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 following: 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 any person who is not normally resident in the UK.
5. Consequential loss of any kind.

HOW TO MAKE A CLAIM

You must give written notice to us as soon as practicable but in any event within 30 days (see General Condition 2 on page 4). FIRST, either telephone 020 7977 7905 (between 9.30 a. m. and 5 p. m. Monday -Friday), give brief details of Your claim and ask for a claim form -OR write to Travel and Personal Underwriters Ltd, 65-68 Leadenhall Street, London EC3A 2AD.

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

COMPLAINTS PROCEDURE

It is always our intention to provide a first class standard of service. However, if You have any cause for complaint, please write to the Claims Manager of the Travel Department at the address quoted below. As a final measure, please write to the Chief Executive of Travel and Personal Underwriters Ltd.

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

1. Contact the Association of British Insurers for assistance at the address quoted below.
2. Ask the Insurance Ombudsman to review Your case. There are, however, a few instances in which this Body is not empowered to consider complaints.

Useful Addresses

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

The Association of British Insurers, Consumer Information Department, 51 Gresham Street, London, EC3V 7HQ

The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London, E14 9SR.

Insurers share information with each other to prevent fraudulent claims and for underwriting purposes via the Claims and Underwriting Exchange. These include TCEWS operated by Euclidian Risk Management Ltd. and (CUE) operated by Insurance Database Services Ltd. A list of participants is available on request. In the event of a claim the information You supply on the claim form together with other information relating to the claim, will be provided to CUE participants.