important information
existing health conditions
material facts
advice line
customer services and complaints procedure
how to make a claim
validity of issue
choice of law
insurance details
24 hour emergency service and medical treatment instructions
period of insurance
territorial limits
definitions
special notice
section 1 - cancellation and curtailment
section 2 - emergency medical, repatriation and associated expenses
section 3 - hospital benefit
section 4 - personal accident
section 5 - travel delay and abandonment
section 6 - missed departure
section 7 - baggage
section 8 - personal money
section 9 - loss of passport
section 10 - personal liability
section 11 - legal expenses
section 12 - business personal replacement
section 13 - ski equipment and other expenses
section 14 - ski pack
section 15 - piste closure
general exclusions
general conditions
holiday tips

Under the Association of British Insurers General Business Code of Practice, we would like to draw your attention to some important features of your insurance including:

important

Please note that this insurance contains certain exclusions relating to existing health conditions that affect you or anyone else upon whom your travel plans may depend. You are not covered for any claims for medical and other expenses, cancellation or curtailment directly or indirectly related to any condition which, at the time this Insurance is arranged and each time you make arrangements for a trip:

1. you are aware is likely to result in a claim under this insurance.
2. requires you to take continuing medication (unless both the condition for which you are taking it and your dosage levels are normally stable and well- controlled) or has required medical treatment or surgery within the last 6 months.
3. you are on a hospital waiting list or awaiting inpatient treatment or investigation.

You are also not covered if you are planning to travel:

1. with a view to obtaining medical treatment.
2. against the advice of your doctors or after you have been given a terminal prognosis.
3. when you are pregnant and the expected date of delivery is less than 10 weeks after you plan to return home.

Please read the Medical and Cancellation sections of this document very carefully, particularly (b) and (c) of the items you are not covered for and details of the Pre- Screening Service on Freephone 0800 0133445.

You MUST tell us all material facts. A material fact is one that is likely to influence us in accepting your insurance. This could be the state of your health or that of a close relative or any planned hazardous activities. If you are in any doubt as to whether a fact is ‘material’, you should tell us. If you do not tell us this may result in your claim being invalid.

Whether you want advice on accommodation, visas, inoculations or a host of other travel queries, one call to our travel advice line will point you in the right direction.

From within the United Kingdom simply call 0208 773 3580 and say you have Xelector Travel Insurance.

From outside the UK, dial International +44 208 773 3580.

Our aim at all times is to provide a first class standard of service. However, there may be times when you feel that this objective has not been achieved. Should you have any complaints regarding this insurance or the way a claim has been dealt with, in the first instance please write to the

Customer Services Department
Voyager Insurance Services Ltd.
13- 21 High Street,
Guildford,
Surrey,
GU1 3DG

If after taking this action you remain dissatisfied you may ask the following to review your case. For Personal Insurance:

Complaints and Advisory Department Lloyd’s, 1 Lime Street, London EC3 7HA

Please always quote your insurance reference and claim number and enclose copies of relevant documentation. This procedure is intended to provide you with prompt and practical assistance in dealing with any complaints, but does not affect your legal rights.

For all claims other than medical emergencies please request an appropriate Claim Form by writing to or telephoning:

The Claims Office
PO Box 141, Epsom, Surrey KT17 1YZ
Tel: 01372 738103
(between 9.30am and 5.00pm) Fax: 01372 749829

Please do not send in any documentation until you have a completed Claim Form to go with it. The Claim Form lists the additional documentation necessary to support your claim. Always make sure that any loss or theft of valuables or any items worth more than £100 are reported to the police within 24 hours and a written report obtained. If your baggage is damaged or lost in transit whilst “checked- in” you must report it to the handling agents or airline immediately on collection and obtain a Property Irregularity Report. These reports (if applicable to your claim), together with all available receipts and any other requested documentation, must be submitted with your Claim Form.

The insurance is only valid provided it is issued no later than 30th November 2001 and a properly completed certificate is attached.

The parties are free to choose the law applicable to this Insurance contract. Unless specifically agreed to the contrary this insurance shall be subject to English Law.

International Medical Rescue
may be contacted 24 hours a day on:
Tel: +44 208 669 1474 or
Fax: +44 208 669 3442

Please quote the Policy Reference shown in the Insurance Details.

For the attention of all insured persons and medical attendants.
If you or a member of your party have to go to hospital as an in- patient during your trip, and require medical treatment that will cost more than £250 or need to travel home differently to your original plans, International Medical Rescue MUST be contacted BEFORE making any arrangements. If this is not possible because the condition requires immediate treatment to save life or limb, International Medical Rescue must be contacted as soon as possible thereafter (See Condition (a) of Section 2 - Emergency Medical and Other Expenses). Failure to obtain proper authorisation will mean the insurers are not liable for the expenses.

If you have paid the appropriate Annual Multi Trip travel insurance premium and you are under 70 years old, the overall period of insurance shall be for 12 months starting from the date shown. This insurance then covers an unlimited number of holiday/ leisure trips starting within that period, provided that no single trip is intended to be for longer than the maximum number of days shown in the Insurance Details for the cover you have bought. Wintersports are covered up to the total number of days shown in the Insurance Details. If you have bought the gold cover you are also insured when travelling on business.
Except as stated below, cover for each separate trip under this insurance starts when you leave your home or place of business in the United Kingdom at the start of your trip, and finishes immediately when you return to your home or place of business in the UK for any reason other than short term visits up to two weeks to the UK during a Long Stay policy period that are not the subject of a claim.
You are only covered for the period for which a premium has been paid and in any event the total period of any one trip must not exceed the period shown in the Insurance Details.
For Cancellation only (Section 1), cover starts from the date shown on your certificate or the date you book your trip, whichever is the later. Personal Money (Section 8) will be covered from the time of collection but not more than 72 hours before travel.
If you are going on a one- way trip all cover will finish 48 hours after your arrival in the country of final destination.
If your return is unavoidably delayed for an insured reason, cover will be extended free of charge for the period of delay.

You are covered for trips to countries within the following areas provided that you have paid the appropriate premium, as shown in your certificate:

Area 1 - The United Kingdom, Channel Islands, the Isle of Man and Ireland

Area 2 - The continent of Europe West of the Ural mountains, any country with a Mediterranean coastline, the Canary Islands, Madeira and Iceland

Area 3 - Worldwide excluding North America. If you have purchased Long Stay cover, Area 3 includes up to 21 nights stopover in USA and Canada.

Area 4 - Worldwide including North America. If you have bought the Worldwide Annual Multi Trip option, you will be insured to travel anywhere in the world outside the UK. If you have bought gold cover, trips wholly within the UK are also insured but only if they include a minimum of 2 nights away from home in paid accommodation.

You and Your means each person for whom the premium has been paid and whose age does not exceed the maximum shown in the Insurance Details. You must be resident in the United Kingdom. Each person is separately insured.

We, Us and Our means the Insurers.

Relative means husband or wife (or partner with whom you are living at the same address), parent, grandparent, parent- in- law, brother, sister, child, grandchild, brother- in- law, sister- in- law, son- in- law, daughter- in- law or fiancé( e).

Business Colleague means any person that you work closely with whose absence necessitates the cancellation or curtailment of the trip as certified by a director of the business.

Curtailment means cutting your planned journey short by early return to the United Kingdom or admission to hospital as an in- patient so that you lose the benefit of accommodation you have paid for.

Personal Effects means personal belongings, including clothing worn, and personal luggage owned or borrowed by you that you take with you on your trip.

Valuables means cameras and other photographic equipment; audio and video equipment; computers; mobile telephones; other electronic or electrical equipment of any kind; spectacles and/ or sunglasses; telescopes and binoculars; antiques and works of art; jewellery; watches; furs and items made of or containing precious or semi- precious stones or metals.

Personal Money means cash, being banknotes and coins, Travellers’ Cheques and Postal Orders carried by you for your personal use.

Trip means any holiday/ leisure trip or business trip for which you have paid the appropriate premium.

Public Transport means any aeroplane, ship, train or coach on which you are booked to travel.

Ski Equipment means skis, snowboards, skipoles, bindings and ski- boots.

This is not a private medical insurance and only gives cover in the event of an accident or sudden illness that requires emergency treatment. In the event of any medical treatment becoming necessary which results in a claim under this insurance, the insured person will be expected to allow insurers or their representatives unrestricted reasonable access to all their medical records and information.

(Cover under this section starts from the date shown on your certificate or the date travel is booked, whichever is the later).

You are covered up to the amount shown in the Insurance Details in respect of irrecoverable costs for unused travel and accommodation (including unused pre- booked excursions up to a value of £100) that you have paid or that you are contractually liable for if it is necessary to cancel or curtail the planned trip because of any of the following events involving you or a travelling companion that first occur during the period of insurance:

1. the accidental serious injury, serious illness or death of you, your travelling companion, your business colleague or person with whom you intended to stay.
2. the accidental serious injury, serious illness or death of your relative or that of a travelling companion, a business colleague or person with whom you intended to stay.
3. medical complications related to a pregnancy, as certified by your Doctor, where the expected birth is more than 10 weeks before the planned trip starts.
4. pregnancy that is confirmed during the period of insurance, where the expected birth is within 10 weeks of the planned trip.
5. receipt of a summons for jury service, being subpoenaed as a court witness or being placed in compulsory quarantine.
6. unexpected requirement for emergency and unavoidable duty as a member of the armed forces, police, fire, nursing, ambulance or coastguard services resulting in cancellation of previously agreed leave.
7. redundancy, provided that you are entitled to payment under the current redundancy payments legislation and that at the time of booking your trip you had no reason to believe that you would be made redundant.
8. your presence being required to make your property safe and secure following fire, flood or burglary that causes serious damage at your home within 48 hours of departure, or whilst you are away.
9. your car becoming unusable as a result of theft, fire or accident within 7 days of your departure. This only applies if you are planning to go on a self- drive trip in the car.

You are not covered for

1. the amount of the Excess shown in the Insurance Details
2. any claim directly or indirectly arising out of a medical condition which, at the time this Insurance is arranged and each time you make arrangements for a trip:
   1. you are aware is likely to result in a claim under this insurance or
   2. requires you to take continuing medication (unless both the condition for which you are taking it and your dosage levels are normally stable and well- controlled), or,
   3. has required treatment or surgery in the previous 6 months, or,
   4. has resulted in you being on a hospital waiting list for in- patient investigation or treatment.
3. any claim arising if you made arrangements for a trip:
   1. against the advice of your doctors, or
   2. with a view to obtaining medical treatment, or
   3. after you have been given a terminal prognosis, or
   4. when you were aware of any other circumstances that could reasonably be expected to give rise to a claim.

However, we may agree not to apply (b) and (c) above or to accept this insurance at special terms if you supply us with details of your condition. Please contact the Medical PreScreening Service on Freephone 0800 0133445.

Please Note that Curtailment claims will be calculated from the day you return to the United Kingdom 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 additional costs but not for the loss of your pre- booked arrangements.

conditions

It is a requirement of this Insurance that if you

1. (for Cancellation) become aware of any circumstances which make it necessary for you to cancel your trip, you must advise your tour operator or travel agent in writing within 48 hours. The maximum amount we will pay will be limited to the applicable cancellation charges at that time.
2. (for Curtailment) wish to return home differently to your original plans and claim any additional costs under this insurance, you must contact International Medical Rescue and obtain their agreement to the new arrangements.

Failure to do so will affect the assessment of your claim.

Please refer to the general exclusions and conditions.

You are covered up to the amount shown in the Insurance Details for either the necessary and reasonable costs incurred as a result of your bodily injury, illness or death during your trip in respect of:

1. emergency medical, surgical and hospital treatment and transportation. At the sole discretion of International Medical Rescue, 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 U. K., by whatever means deemed medically necessary. The cost of emergency dental treatment to natural teeth is covered up to £350 provided that it is for the immediate relief of pain only.
2. additional travel and accommodation expenses (on a bed and breakfast basis) to enable you to return home if you are unable to travel as originally planned.
3. additional travel and accommodation expenses (on a bed and breakfast basis) for
   1. a travelling companion to stay with you and accompany you home, or
   2. a relative or friend to travel from the United Kingdom to stay with you and accompany you home.
4. returning your remains to your home or of a funeral in the country where you died, up to the equivalent cost of returning your remains to the United Kingdom
   or
5. your necessary additional travel expenses to return home following the death, serious injury or serious illness of a travelling companion insured by us or of your relative or business colleague in the United Kingdom.

You are not covered for

1. the amount of the excess shown in the Insurance Details in respect of each claim unless a recovery can be made under the terms of the E111.
2. any claim directly or indirectly arising out of a medical condition which, at the time this insurance is arranged and each time you make arrangements for a trip:
   1. you are aware is likely to result in a claim under this insurance, or
   2. requires you to take continuing medication (unless both the condition for which you are taking it and your dosage levels are normally stable and well- controlled),
      or
      
   3. has required treatment or surgery in the previous 6 months, or
   4. has resulted in you being on a hospital waiting list for in- patient investigation, or treatment.
3. any claim arising if you made arrangements to travel
   1. against the advice of your doctors, or
   2. with a view to obtaining medical treatment, or
   3. after you have been given a terminal prognosis, or
   4. when you were aware of any other circumstances that could reasonably be expected to give rise to a claim.

However, we may agree not to apply (b) and (c) above or to accept this insurance at special terms if you supply us with details of your condition. Please contact the Medical PreScreening Service on Freephone 0800 0133445.

4. any treatment or surgery
   1. which is not immediately necessary and can wait until you return home. We reserve the right to repatriate you when you are fit to travel in the opinion of International Medical Rescue.
   2. which in the opinion of International Medical Rescue is considered to be cosmetic, experimental or elective.
   3. carried out in the United Kingdom or more than 12 months after the expiry of this insurance.
   4. not given within the terms of any reciprocal health agreements, wherever such agreements exist.
5. claims related to pregnancy or childbirth, unless the expected delivery is more than ten weeks after you are booked to return home.
6. for exploratory tests unless they are normally conducted as a direct result of the condition which required referral to hospital.
7. claims related to manual labour in connection with your usual occupation.
8. the additional cost of accommodation in a single or private room, unless it is medically necessary or there is no alternative.
9. the costs of medication or treatment that you knew at the time of your departure would need to be continued during your trip.
10. the costs of replacing or repairing false teeth or of dental work involving the use of precious metals.

conditions

Please note that it is essential under the terms of this insurance that

1. International Medical Rescue are contacted immediately and their prior authority obtained if it appears likely that you require admission to hospital as an in- patient, you require medical treatment which will cost more than £250 (or its equivalent in local currency) or if you wish to return home differently to your original plans. If it is not possible to notify them in advance because the condition requires immediate treatment to save life or limb International Medical Rescue must be notified as soon as possible. Failure to do so will affect the assessment of your claim.
2. wherever possible you must use medical facilities that entitle you to the benefits of any reciprocal health agreements, such as the E111 in Europe and Medicare in Australia.

Please refer to the general exclusions and conditions.

You are covered for the amount shown in the Insurance Details for each night spent receiving inpatient hospital treatment that is covered under section 2. Please refer to the exclusions and conditions relating to section 2 - Medical Expenses and the General Exclusions and Conditions.

You are covered for the amount shown in the Insurance Details if you have an accident whilst you are on your trip which is the sole and independent cause of your death, Permanent Total Disablement, Loss of Sight or Loss of Limb( s) within 12 months of the accident.
If you are aged under 16 at the date of the accident, the amount you are covered for in the event of your death is £2,000.
Payment under this section in respect of all the consequences of an accident shall be limited in total to the amount shown in the Insurance Details. In the event of your death within 12 months of the accident, the total payment will be limited to the amount shown for death.

Accident means that you suffer bodily injury as a result of an identifiable and unexpected external cause.

Permanent Total Disablement means that for the twelve months following your accident you are totally unable to work in any occupation for which you are suited by experience, education or training and at the end of that time there is no prospect of improvement.

Loss of Limb( s) means physical loss of a hand or foot or complete loss of use of a hand, arm, foot or leg.

Loss of Sight means complete and permanent loss of sight in one or both eyes.

You are not covered

1. for claims resulting from motorcycling.
2. for claims arising out of manual labour in connection with your trade, profession or business.
3. for a Permanent Total Disablement claim if at the date of the accident you are over the statutory retirement age and are not in full time paid employment.

Please refer to the general exclusions and conditions

You are covered up to the amounts (a), (b) and (c) shown in the Insurance Details if the departure of the public transport on which you are booked to travel is delayed by at least 12 hours. (a) for the first complete 12 hour period of delay and (b) for each subsequent complete 12 hour period, up to the maximum payable (c), However, if your departure from the United Kingdom is delayed for more than 12 hours and you choose to abandon your trip, instead of a payment for delay, you are covered for the cost of the trip, up to the maximum claimable under Section 1.

You are not covered

1. for a claim caused by a strike if it had started or been announced before you arranged this insurance or booked your trip, whichever is the later.
2. if you fail to check- in on time.
3. if transport services are withdrawn as the result of a recommendation or instruction from the Civil Aviation Authority, Port Authority or similar body.
4. for the amount of the excess shown in the Insurance Details in respect of each claim for Abandonment.

Please refer to the general exclusions and conditions

You are covered up to the amount shown in the Insurance Details for necessary additional accommodation and travel expenses that you incur in reaching your destination if you arrive at any departure point shown on your pre- booked itinerary too late to board the public transport on which you are booked to travel as a result of:

1. a. the failure of public transport, or
2. a road traffic accident or vehicle breakdown delaying the vehicle in which you are travelling.

You are not covered for a claim caused by a strike if it had started or been announced before you arranged this insurance or booked your trip, whichever is the later.

conditions

You must:

1. have planned to arrive at your departure point in advance of your scheduled check- in time and provide a written report from the carrier, Police or relevant transport authority confirming the delay and stating its cause.
2. obtain a report from repairers if your claim is because of breakdown or accident to your car.

Please refer to the general exclusions

You are covered up to the amounts shown in the Insurance Details, after making reasonable allowance for wear, tear and depreciation for the loss or theft of, or damage to,

1. your Personal Effects
2. your Valuables.
3. petrol coupons, travel tickets and accommodation vouchers including any reasonable additional costs in obtaining replacements.

You are also covered up to the amount shown in the Insurance Details in respect of Emergency Purchases for the reasonable cost of buying necessary requirements if you are deprived of your baggage for more than 12 hours after arrival at your outbound destination. You must provide receipts for the items that you buy. If your baggage is permanently lost, any amount that we pay for Emergency Purchases will be deducted from the total claim.

You are not covered for

1. the amount of the excess shown in the Insurance Details in respect of each claim, except for Emergency Purchases.
2. more than the amount shown in the Insurance Details for any one item, pair or set in respect of Personal Effects and Valuables.
3. any additional value an item may have because it forms part of a pair or set.
4. more than £100 in total for Personal Effects stolen from an unattended motor vehicle between the hours of 9 p. m. and 8 a. m. or, if the theft occurs at any other time of day, unless the vehicle is being used for travel between different points of overnight accommodation.
5. loss or theft of or damage to Valuables whilst they are out of your immediate control and supervision unless locked in a hotel safe (or equivalent facility) or locked in your private accommodation.
6. breakage of fragile articles unless caused by fire or by an accident to the aeroplane, ship or vehicle in which they are being carried.
7. loss or theft of or damage
   1. to bicycles, motor vehicles, trailers and caravans, waterborne craft and their fittings of any kind,
   2. to watersports and ski equipment,
   3. to contact lenses, dentures and hearing aids,
   4. to Personal Effects or baggage in transit unless reported to the carrier immediately and a written Property Irregularity Report is obtained,
   5. to Personal Effects sent by post, freight or any other form of unaccompanied transit.
   6. to sports clothes and equipment whilst in use,
   7. caused by moth or vermin or by gradual wear and tear in normal use,
   8. caused by any process of cleaning, repairing or restoring,
   9. caused by leakage of powder or fluid from containers carried in your baggage.
8. mechanical or electrical breakdown.
9. more than £50 in respect of non- prescription sunglasses unless substantiated by the original purchase receipt pre- dating the loss.

Please refer to the special exclusions and conditions shown below and to the general exclusions and conditions.

(Cover under this section starts at the time of collection from the Bank, or 72 hours prior to departure, whichever is the later).

You are covered up to the amount shown in the Insurance Details for loss or theft of Personal Money.

You are not covered for

1. the amount of the excess shown in the Insurance Details in respect of each claim.
2. loss or theft either from an unattended motor vehicle at any time or from baggage whilst in transit unless you are carrying it.
3. more than the amount shown in the Insurance Details in respect of cash.
4. any loss resulting from shortages due to error, omission or depreciation in value.

Please refer to the special exclusions and conditions shown below and to the general exclusions and conditions.

You are covered up to the amount shown in the Insurance Details following loss or theft of your Passport for any reasonable additional necessary costs incurred in obtaining a replacement to enable you to continue your trip or return to the United Kingdom.

You are not covered for loss or theft either from an unattended motor vehicle at any time or from baggage whilst in transit unless you are carrying it.

Please refer to the special exclusions and conditions shown below and to the general exclusions and conditions.

special exclusions applicable to sections 7, 8 and 9

You are not covered for

1. more than £100 in total under these sections in respect of loss or theft of anything left unattended in a public place, including on a beach.
2. loss or theft of Valuables, Personal Money, Passport and any item valued over £100 unless reported to the police within 24 hours of discovering the loss, and a written report obtained.
3. loss of bonds or securities of any kind.
4. delay, detention, seizure or confiscation by customs or other officials.

special conditions applicable to sections 7, 8 and 9

It is a requirement of this insurance that you must:

1. in the event of a claim,
   1. provide receipts or other documentation to prove ownership and value, especially in respect of valuables and any items for which you are claiming more than £100 and,
   2. retain any damaged items for our inspection. Failure to exercise all reasonable care may result in your claim being reduced or declined.
2. take care of your property at all times and take all practical steps to recover any item lost or stolen.

Please refer to the general exclusions and conditions.

You are covered up to the amount shown in the Insurance Details, plus legal costs incurred with our written consent, if you are held legally liable for causing

1. accidental bodily injury to someone else, or
2. accidental loss or damage to someone else’s property, including your temporary holiday accommodation and its contents.

You are not covered for

1. the amount of the excess shown in the Insurance Details in respect of each claim.
2. any liability arising from loss or damage to property that is
   1. owned by you or a member of your family or
   2. in your care, custody or control, other than your temporary holiday accommodation and its contents, not owned by you or a member of your family.
3. any liability for bodily injury, loss or damage
   1. to your employees or members of your family or household or to their property.
   2. arising out of or in connection with your trade, profession or business, or assumed under contract.
   3. arising out of the ownership, possession, use or occupation of land or buildings.
   4. arising out of the ownership, possession or use of motorised vehicles, yachts or motorised waterborne craft, airborne craft of any description, animals or firearms and weapons.
   5. arising out of your criminal, malicious or deliberate acts.

conditions

If something happens that is likely to result in a claim, you must immediately notify The Claims Office in writing. You must not discuss or negotiate your claim with any third party without the written consent of The Claims Office. Any related correspondence or documentation that you receive must be sent immediately, unanswered, to The Claims Office.

Please refer to the general exclusions and conditions.

You are covered up to the amount shown in the Insurance Details for legal costs and expenses incurred in pursuit of a claim for compensation or damages from a third party who causes your death or bodily injury or illness during your trip.

You are not covered for

1. the amount of the excess shown in the Insurance Details in respect of each claim.
2. any costs and expenses
   1. to pursue a claim against any member of your family or any of your travelling companions.
   2. incurred without prior written permission from The Claims Office.
   3. which are to be based directly or indirectly on the amount of any award.
   4. to pursue a claim as part of or on behalf of a group or organisation.
   5. if we think an action is unlikely to succeed or if we think the costs will be greater than any award.

conditions

1. We will have complete control over the appointment of any solicitor( s) acting on your behalf and of any legal proceedings.
2. We will be entitled to repayment of any amounts paid under this section in the event that you are awarded legal costs as part of any judgement or settlement
3. We will be entitled to add any amounts we have paid under this insurance to the claim against the third party and to recover such amounts from any compensation awarded to you.

Please refer to the general exclusions and conditions.

You are covered up to the amount shown in the Insurance Details for reasonable necessary additional travel and accommodation expenses (on a bed & breakfast basis) for you or a business colleague to complete essential business commitments that were left unfinished by your death, injury or illness occurring during your trip.

You are not covered for

1. the amount of the excess shown in the Insurance Details in respect of each claim
2. anything that you are not covered for under section 2, Medical & Other Expenses.

Please refer to the general exclusions and conditions.

Wintersports sections 14, 15 and 16.

Cover only applies if you have paid the appropriate premium for Wintersports.

You are covered up to the amounts shown in the Insurance Details, after making reasonable allowance for wear, tear and depreciation and subject to the Special Condition shown below, for

1. Loss or theft of, or damage to Ski Equipment owned or borrowed by you,
2. Loss or theft of, or damage to Ski Equipment hired by you,
3. The cost of necessary hire of Ski Equipment following:
   1. loss or theft of, or damage to, your Ski Equipment insured by us or,
   2. the delayed arrival of your Ski Equipment, subject to you being deprived of their use for not less than 12 hours.

You are not covered for

1. the amount of the excess shown in the Insurance Details for each claim other than claims for hire costs.
2. Ski Equipment stolen from an unattended motor vehicle between the hours of 9 p. m. and 8 a. m. or, if stolen at any other time, unless they were forcibly removed whilst locked either inside the vehicle or to a purpose designed ski rack.
3. damage to Ski Equipment whilst in use for race training or racing.
4. your damaged Ski Equipment unless returned to the United Kingdom for our inspection.
5. loss or theft of Ski Equipment not reported to the police within 24 hours of discovering the loss and a written report or reference obtained.
6. loss or theft of, or damage to, Ski Equipment whilst in transit unless reported to the carrier and a Property Irregularity Report obtained.
7. loss or theft of, or damage to, Ski Equipment over 5 years old.

special condition applicable to section 14

In respect of loss or damage to Ski Equipment, we will not pay more than the proportion shown below depending on the age of the equipment.

You are covered up to the amounts shown in the Insurance Details for the proportionate value of any ski pass, ski hire or ski school fee that you are unable to use following

1. accidental injury or sickness that prevents you from skiing, as medically certified, or
loss or theft of your ski pass.

You are not covered for the amount of the Excess shown in the Insurance Details in respect of each claim.

You are covered for the daily amount shown in your Insurance Details for each day that it is not possible to ski because all lifts are closed due to a complete lack of snow, adverse conditions or avalanche danger in your pre- booked holiday resort, up to the total amount shown either

1. for the costs you have paid for travel to an alternative resort including the necessary additional cost of a ski pass, or
2. a compensation payment to you after you return where no alternative is available.

You are not covered if you arranged this insurance or booked your trip within 14 days of departure and at that time conditions in your planned resort were such that it was likely to be not possible to ski.

conditions

1. you must provide written confirmation from the resort authorities or ski lift operators for the period that there was no skiing available owing to the closure of all ski lifts.
2. you must submit receipts for the travel and ski pass costs that you wish to claim. claim, you must immediately notify The Claims

You are not covered for claims arising out of:

1. loss or damage directly or indirectly occasioned by, happening through or in consequence of war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power or confiscation or nationalisation, or requisition or destruction of or damage to property by or under the order of any government or public or local authority. This is not applicable, however, in respect of claims under sections 1, 2, 3 and 4 arising from such circumstances occurring outside the United Kingdom unless you planned to travel to areas that were publicly known to be affected or threatened by such risks. (Please see General Condition 2)
2. loss, damage, expense or indemnity directly or indirectly resulting from or attributable to radioactive contamination of any nature.
3. loss, destruction or damage directly occasioned by pressure waves caused by aircraft and other flying objects travelling at sonic or supersonic speeds.
4. any loss, damage, expense, indemnity or benefit under any section other than sections 2, 3, & 4 that is contributed to or caused by the failure (or fear of failure) of any computer hardware or software or other electrical equipment to recognise or process any date as the true calendar date or to continue to function correctly beyond that date
5. you travelling in an aircraft other than as a fare paying passenger in a fully licensed passenger carrying aircraft.
6. your suicide or attempted suicide or your deliberate exposure to unnecessary danger (except in an attempt to save human life).
7. your anxiety, stress or related disorder or any previously diagnosed psychiatric or psychological disorder.
8. sexually transmitted diseases or the influence of alcohol or drugs.
9. your participation that was planned or intended at the time of arranging this insurance in activities of a hazardous nature such as (but not limited to) mountaineering, potholing, whitewater rafting/ canoeing, parachuting, hang gliding or any other aerial activities, sports involving intentional bodily contact, motor- sports and sailing outside territorial waters, unless declared to and accepted by us. We reserve the right to apply special terms and conditions (which may include additional premiums) and coverage will be subject to your compliance with them.
10. wintersports, other than curling, toboganning and recreational ice-skating, except when this insurance is taken in connection with a wintersports trip and the appopriate premium paid. In no event, however, is cover granted for wintersports if you are aged over 70 or for ski or skibob racing in major events, ski jumping, ice hockey or the use of skeletons or bob-sleighs.
11. scuba diving if you are
    1. not qualified for the dive undertaken unless you are accompanied by a properly qualified instructor or,
    2. diving to a greater depth than 30 metres
    3. diving alone
    4. diving on or in wrecks or at night.
12. racing of any kind (other than on foot).
13. you taking part in civil commotions or riots of any kind.
14. any consequential loss of any kind, except as may be specifically provided for in this insurance.
15. you breaking or failing to comply with any law whatsoever.
16. any financal incapacity, whether directly or indirectly related to the claim.
17. the bankruptcy or insolvency of a tour operator, travel agent, transport company or accommodation supplier.
18. a tour oprator failing to supply advertised facilities.

1. You must tell us all material facts. A material fact is one that is likely to influence us in accepting your insurance. This could be the state of your health or that of a close relative or any planned hazardous activities. If you are in any doubt as to whether a fact is ‘material’, you should tell us. If you do not tell us this may result in your claim being invalid.
2. You must tell us if your plans for your trip include travel to areas affected or threatened by war or similar risks as set out in General Exclusion 1. We reserve the right not to cover such risks or, if we will cover them, to apply special terms or conditions and/ or charge an additional premium as we think appropriate. No cover for such risks shall attach unless you accept such terms, including any additional premium, before you depart.
3. You must advise The Claims Office Limited, PO Box 141, Epsom, Surrey, KT17 1YZ of any possible claim within 31 days of your return home. You must supply them with full details of all the circumstances and any other information and documents we may require.
4. You must keep any damaged articles that you wish to claim for and, if requested, send them to The Claims Office at your own expense. If we pay a claim for the full value of an article, it will become our property.
5. You must agree to have medical examination( s) if required. In the event of your death, we are entitled to have a post mortem examination. All such examinations will be at our expense.
6. You must assist us to obtain or pursue a recovery or contribution from any third party or other insurers (including the Department of Social Security) by providing all necessary details and by completing any forms.
7. You must pay us back within 1 month of demand any amounts that we have paid on your behalf that are not covered by this insurance.
8. You must take all reasonable steps to avoid or minimise any loss that might result in you making a claim under this insurance.
9. You must comply with all the terms, provisions, conditions and endorsements of this insurance. Failure to do so may result in a claim being declined.
10. Except for claims under sections 3, 4 & for Travel Delay under section 5, this insurance shall only be liable for its proportionate share of any loss or damage that is covered by any other insurance.
11. We may take action in your name but at our own expense to recover for our benefit the amount of any payment made under this insurance.
12. We may at our option discharge any liability under this insurance by replacing or repairing any article or articles lost or damaged, or by issuing you with a Credit Voucher.
13. No refund of premium will be allowed after the 14 day Money Back Guarantee period following the date of purchase of this insurance nor after any travel has begun.
14. This insurance is non- transferable. If a trip is cancelled for any reason other than that described in section 1 then the cover for that trip terminates immediately and no refund of premium in whole or part will be made.

• Never leave your belongings unattended or with strangers, especially at airports and on the beach, nor in vehicles.
• Leave in plenty of time to get to the airport/ port by the earliest stated check- in time, allowing for the time of day and available travel information.
• If you are taking valuable items such as jewellery or camcorders on holiday, you should insure them under an All Risks section of your household contents insurance.
• Do not pack valuables, money and fragile items in the baggage that you intend to check in at the airport etc. Keep them with you at all times during your journey.
• Do not carry more cash than you need and use travellers cheques or charge cards if possible. Use safety deposit boxes whenever they are available.
• If you need regular medication, take enough with you to last your holiday. You should also take an extra supply that should be packed separately in case you lose your first supply.
• Check your baggage for damage each time you reclaim it.
• Think before you dive into water, check the depths of swimming pools and the sea and only dive if you are sure the water is deep enough.
• The sun abroad can be much more powerful than you are used to at home, particularly if you are on the water. To prevent sunburn and sunstroke, use plenty of sun cream and take care not to stay out in strong sunlight for long.
• Check that the tap water is safe to drink. Unless you know it is safe, always drink bottled water and avoid ice in your drinks or cold food that may have been washed, such as salads.
• Make sure all passports, visas, vaccinations and health requirements are up to date, and be sure to take all necessary documents with you.