1Stop Backpacker

Section B - Emergency medical and other expenses
What is covered
We will pay You up to the amount shown in the schedule of benefits for the following expenses which are necessarily incurred as a result of You suffering Bodily Injury or illness and/or compulsory quarantine:
1. Emergency medical, surgical, hospital, ambulance and nursing fees and charges incurred:
a) outside the United Kingdom or
b) within the Channel Islands.
2. Emergency dental treatment for the immediate relief of pain (to natural teeth only) up to a limit of £200 incurred:
a) outside the United Kingdom or
b) within the Channel Islands.
3. In the event of Your death outside the United Kingdom the reasonable additional cost of funeral expenses abroad up to a maximum of £5,000 plus the reasonable cost of conveying Your ashes to Your Home, or the additional costs of returning Your body to Your Home.
4. Reasonable additional transport (economy class) or accommodation expenses incurred, up to the standard of Your original booking, if it is medically necessary for You to stay beyond Your scheduled return date.
This includes, with the prior authorisation of the Emergency Assistance Service, reasonable additional transport or accommodation expenses for a friend, Travelling Companion or Close Relative to remain with You or travel to You from the United Kingdom or escort You and additional travel expenses to return You to Your Home if You are unable to use the return ticket.
5. With the prior authorisation of the Emergency Assistance Service, the additional costs incurred in the use of air transport or other suitable means, including qualified attendants, to repatriate You to Your Home if it is medically necessary. Repatriation expenses will be in respect only of the identical class of travel utilised on the outward journey unless the Emergency Assistance Service agree otherwise.
Special conditions relating to claims
1. You must give notice immediately to the Emergency Assistance Service or Us of any Bodily Injury or illness which necessitates Your admittance to hospital as an in-patient or before any arrangements are made for Your repatriation.
2. You must contact the Emergency Assistance Service as soon as possible in the event of You incurring medical expenses in excess of £350 relating to any one incident.
3. In the event of Your Bodily Injury or illness We reserve the right to relocate You from one hospital to another and arrange for Your repatriation to the United Kingdom at any time during the Trip. We will do this if in the opinion of the Medical Practitioner in attendance or the Emergency Assistance Service You can be moved safely and/or travel safely to the United Kingdom to continue treatment.
What is not covered
1. The Excess as shown in the Schedule of Benefits and Excesses.
2. Any claims arising directly or indirectly in respect of:
a) Cost of telephone calls.
b) The cost of treatment or surgery, including exploratory tests, which are not directly related to the Bodily Injury or illness which necessitated Your admittance into hospital.
c) Any expenses which are not usual, reasonable or customary to treat Your Bodily Injury or illness.
d) Any form of treatment or surgery which in the opinion of the Medical Practitioner in attendance and the Emergency Assistance Service can be delayed reasonably until Your return to the United Kingdom.
e) Expenses incurred in obtaining or replacing medication, which at the time of departure is known to be required or to be continued outside the United Kingdom.
f) Additional costs arising from single or private room accommodation.
g) Treatment or services provided by a health spa, convalescent or nursing home or any rehabilitation centre unless agreed by the Emergency Assistance Service.
h) Any expenses incurred after You have returned to the United Kingdom.
i) Expenses incurred as a result of a tropical disease where You have not had the recommended inoculations and/or taken the recommended medication.
j) Any elective medical treatment.
k) Your decision not to be repatriated after the date when in the opinion of the Emergency Assistance Service it is safe to do so.
l) Taxi fares.
3. Claims arising directly or indirectly as a result of Your failure to comply with the Important Conditions relating to health shown on page 9.
4. Claims arising directly or indirectly from pregnancy, other than complications of pregnancy occurring prior to the thirty second week, and the Insured has not had complications in any previous pregnancy.
5. Claims arising from stress, anxiety, depression or any other mental or nervous disorder.
6. Anything mentioned in the general exclusions on page 10.

Section D - Personal accident
Special Definitions (which are shown in bold)
Loss of Limb
- means loss by permanent severance of an entire hand or foot or the total and permanent loss of use of an entire hand or foot.
Loss of Sight
- means total and irrecoverable loss of sight.
Permanent Total Disablement
- means disablement sustained from the moment the Bodily Injury occurred which entirely prevents You from attending to any business or occupation of any and every kind which lasts in excess of 24 continuous calendar months and at the expiry of that period is in the opinion of Our Medical Practitioner beyond expectation of improvement.
What is covered
We will pay You or in the event of Your death You restate one of the benefits as shown in the schedule of benefits if You sustain Bodily Injury which shall solely and independently of any other cause, result within 24 continuous calendar months in Your death, Loss of Limb, Loss of Sight or Permanent Total Disablement.
Special conditions relating to claims
1. Our Medical Practitioner may examine You as often as they deem necessary in the event of a claim.
2. In the Event of death We reserve the right to carry out a post mortem.
Provisions
1. Benefit is not payable to You:
a) Under more than one of item.
b) Under Permanent Total Disablement until 24 continuous calendar months after the date You sustain Bodily Injury.
c) Under Permanent Total Disablement if You are able or may be able to carry out any business or occupation of any and every kind.
What is not covered
1. Claims arising directly or indirectly as a result of Your failure to comply with the Important Conditions relating to health shown on page 9.
2. More than one lump sum under this section.
3. Anything mentioned in the general exclusions on page 10.

Section B - Emergency medical and other expenses
What is covered
We will pay You up to the amount shown in the schedule of benefits for the following expenses which are necessarily incurred as a result of You suffering Bodily Injury or illness and/or compulsory quarantine:
2. Emergency dental treatment for the immediate relief of pain (to natural teeth only) up to a limit of £200 incurred:
a) outside the United Kingdom or
b) within the Channel Islands.

Section B - Emergency medical and other expenses
What is covered
We will pay You up to the amount shown in the schedule of benefits for the following expenses which are necessarily incurred as a result of You suffering Bodily Injury or illness and/or compulsory quarantine:
3. In the event of Your death outside the United Kingdom the reasonable additional cost of funeral expenses abroad up to a maximum of £5,000 plus the reasonable cost of conveying Your ashes to Your Home, or the additional costs of returning Your body to Your Home.

Section B - Emergency medical and other expenses
What is covered
We will pay You up to the amount shown in the schedule of benefits for the following expenses which are necessarily incurred as a result of You suffering Bodily Injury or illness and/or compulsory quarantine:
3. In the event of Your death outside the United Kingdom the reasonable additional cost of funeral expenses abroad up to a maximum of £5,000 plus the reasonable cost of conveying Your ashes to Your Home, or the additional costs of returning Your body to Your Home.

Section F - Personal Money and documents
What is covered
We will pay You up to the amount shown in the schedule of benefits for the accidental loss of, theft of or damage to Personal Money and documents (including driving licence).
a) The maximum We will pay for bank notes, currency notes and coins is as shown in the schedule of benefits.
b) If You are under the age of 18, for bank notes currency notes and coins is as shown in the schedule of benefits.
c) The maximum We will pay for documents is as shown in the schedule of benefits.
d) For all other Personal Money is as shown in the schedule of benefits.
Special conditions relating to claims
1. You must report to the police within 24 hours of discovery and obtain a written report of the loss, theft or attempted theft of all Personal Money and documents. A holiday representatives report is not sufficient.
2. Receipts for items lost, stolen or damaged including foreign currency exchange receipts showing the amount must be retained as these will be needed for You to substantiate Your claim.
What is not covered
1. The Excess as shown in the Schedule of Benefits and Excesses.
2. Loss or theft of Personal Money left Unattended at any time (including in a vehicle or in the custody of carriers) unless deposited in a hotel safe or safety deposit box.
3. Loss, theft of or damage to travellers cheques if You have not complied with the issuers conditions or where the issuer provides a replacement service.
4. Loss or damage due to delay, confiscation or detention by customs or other authority.
5. Loss or damage due to depreciation in value, variations in exchange rates or shortages due to error or omission.
6. Any amount exceeding the maximum sum insured i.e. cash limit, etc.
7. Anything mentioned in the general exclusions on page 10.

Section P - Overseas legal expenses and assistance
What is covered
We will pay You up to the amount shown in the schedule of benefits for legal costs to pursue a civil action for compensation if someone else causes You Bodily Injury, illness or death.
Special conditions relating to claims
1. We shall have complete control over the legal case through agents We nominate, by appointing agents of Our choice on Our behalf with the expertise to pursue Your claim.
2. You must follow Our agents advice and provide any information and assistance required within a reasonable timescale.
3. You must advise Us of any offers of settlement made by the negligent third party and You must not accept any such offer without Our consent.
4. You must not accept liability.
5. We will decide the point at which Your legal case cannot usefully be pursued further. After that no further claims can be made against the Us.
6. We may include a claim for Our legal costs and other related expenses.
7. We may, at Our own expense, take proceedings in Your name to recover compensation from any third party in respect of any indemnity paid under this policy. You must give such assistance as We shall reasonably require and any amount recovered shall belong to the Us.
8. If You or Your Lawyer receive any compensation, You must repay Us any legal costs which We have paid up to the amount of the compensation.
What is not covered
We shall not be liable for:-
1. The Excess as shown in the Schedule of Benefits and Excesses.
2. Any claim where in the Our opinion there is insufficient prospect of success in obtaining reasonable compensation.
3. Legal costs and expenses incurred in pursuit of any claim against a travel agent, tour operator, carrier, Us, Inter Partner Assistance S.A. or their agents, Avid Insurance Services Ltd, etravelinsurance.co.uk Services, Your Travelling Companion, a person related to You, or another Insured Person.
4. Legal costs and expenses incurred prior to the Our written acceptance of the case.
5. Any claim where the legal costs and expenses are likely to be greater than the anticipated amount of compensation.
6. Any claim where legal costs and expenses are based directly or indirectly on the amount of compensation awarded (for example a Contingency Fee Agreement), or on the condition that Your action is successful.
7. Legal costs and expenses incurred in any claim which is capable of being pursued under a Conditional Fee Agreement.
8. Legal costs and expenses incurred if an action is brought in more than one country.
9. Any claim where in the Our opinion the estimated amount of compensation payment is less than £1,000 for each Insured Person.
10. Travel, accommodation and incidental costs incurred to pursue a civil action for compensation.
11. Costs of any Appeal.
12. Claims occurring within United Kingdom.
13. Claims by You other than in Your private capacity.
14. Claims not notified to the Emergency Assistance Services/Stones Solicitors when the incident has occurred.
15. Anything mentioned in the general exclusions on page 10.

Section E - Baggage, baggage delay and passport
What is covered
2. We will also pay You up to the amounts shown in the schedule of benefits for:
b) Reasonable additional travel and accommodation expenses incurred necessarily abroad to obtain a replacement of Your lost or stolen passport or visa.

Section F - Personal Money and documents
What is covered
We will pay You up to the amount shown in the schedule of benefits for the accidental loss of, theft of or damage to Personal Money and documents (including driving licence).
a) The maximum We will pay for bank notes, currency notes and coins is as shown in the schedule of benefits.
b) If You are under the age of 18, for bank notes currency notes and coins is as shown in the schedule of benefits.
c) The maximum We will pay for documents is as shown in the schedule of benefits.
d) For all other Personal Money is as shown in the schedule of benefits.
Special conditions relating to claims
1. You must report to the police within 24 hours of discovery and obtain a written report of the loss, theft or attempted theft of all Personal Money and documents. A holiday representatives report is not sufficient.
2. Receipts for items lost, stolen or damaged including foreign currency exchange receipts showing the amount must be retained as these will be needed for You to substantiate Your claim.
What is not covered
1. The Excess as shown in the Schedule of Benefits and Excesses.
2. Loss or theft of Personal Money left Unattended at any time (including in a vehicle or in the custody of carriers) unless deposited in a hotel safe or safety deposit box.
3. Loss, theft of or damage to travellers cheques if You have not complied with the issuers conditions or where the issuer provides a replacement service.
4. Loss or damage due to delay, confiscation or detention by customs or other authority.
5. Loss or damage due to depreciation in value, variations in exchange rates or shortages due to error or omission.
6. Any amount exceeding the maximum sum insured i.e. cash limit, etc.
7. Anything mentioned in the general exclusions on page 10.

Backpacker policies only - Home visits
This entitles You to return to Your Home country before the intended return date (as specified on Your validation certificate) on up to 3 separate visits. Each trip Home cannot exceed 14 days and cover is suspended while You are in Your Home country. Cover starts again when You leave Your Home country. No cover is available for the cost of the return flight if Your return Home is as result of a claim unless specifically agreed by the appointed Emergency Assistance Service and is for, and covered under the repatriation cover elsewhere. No cover is available for any flight costs where the return is for a non-insured reason.

Section B - Emergency medical and other expenses
What is covered
We will pay You up to the amount shown in the schedule of benefits for the following expenses which are necessarily incurred as a result of You suffering Bodily Injury or illness and/or compulsory quarantine:
5. With the prior authorisation of the Emergency Assistance Service, the additional costs incurred in the use of air transport or other suitable means, including qualified attendants, to repatriate You to Your Home if it is medically necessary. Repatriation expenses will be in respect only of the identical class of travel utilised on the outward journey unless the Emergency Assistance Service agree otherwise.

Section E - Baggage, baggage delay and passport
What is covered
1. We will pay You up to the amount shown in the schedule of benefits for the accidental loss of, theft of or damage to Baggage. The amount payable will be the original purchase prices less a deduction for wear tear and depreciation, (or We may at Our option replace, reinstate or repair the lost or damaged Baggage).

Section E - Baggage, baggage delay and passport
What is covered
1. We will pay You up to the amount shown in the schedule of benefits for the accidental loss of, theft of or damage to Baggage. The amount payable will be the original purchase prices less a deduction for wear tear and depreciation, (or We may at Our option replace, reinstate or repair the lost or damaged Baggage).
a) The maximum We will pay for any Single Item is as shown in the schedule of benefits.
b) the total for all Valuables is as shown in the schedule of benefits.
2. We will also pay You up to the amounts shown in the schedule of benefits for:
a) Emergency replacement of clothing, medication and toiletries if the Baggage is temporarily lost in transit during the outward journey and not returned to You within 12 hours, provided written confirmation is obtained and sent to Us from the carrier, confirming the number of hours the Baggage was delayed. All receipts must be retained.
If the loss is permanent the amount paid will be deducted from the final amount paid under this section.
b) Reasonable additional travel and accommodation expenses incurred necessarily abroad to obtain a replacement of Your lost or stolen passport or visa.
Special conditions relating to claims
1. You must report to the police within 24 hours of discovery and obtain a written report of the loss, theft or theft or attempted theft of all Baggage.
2. For items damaged whilst on Your Trip You must obtain an official report from an appropriate local authority.
3. If Baggage is lost, stolen or damaged while in the care of a carrier, transport company, authority or hotel You must report to them, in writing, details of the loss, theft or damage and obtain written confirmation. If Baggage is lost, stolen or damaged whilst in the care of an airline You must:
a) obtain a Property Irregularity Report from the airline.
b) give formal written notice of the claim to the airline within the time limit contained in their conditions of carriage (please retain a copy).
c) retain all travel tickets and tags for submission if a claim is to be made under this policy.
4. You must provide an original receipt or proof of ownership for items lost, stolen or damaged to help You to substantiate Your claim. The maximum payment for any Single Item for which an original receipt, proof of purchase or insurance valuation (obtained prior to loss) is not supplied is £50, subject to a maximum of £300 for all such items.
SPECIAL NOTE:
The following deductions will be made for wear, tear and depreciation:
Age of Item Deductions
Up to 1 year old - 10% of purchase price
1 to 2 years old - 30% of purchase price
3 to 4 years old - 50% of purchase price
4 to 5 years old - 70% of purchase price
Over 5 years old - Nil Payment
What is not covered
1. The Excess as shown in the Schedule of Benefits and Excesses.
2. Loss, theft of or damage Valuables or Your passport left Unattended at any time (including in a vehicle or in the custody of carriers) unless deposited in a hotel safe or safety deposit box.
3. Claims arising from Baggage 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 safe keeping of the property at anytime except as shown under point 4 b) below. Including, theft or damage occurring on a beach or in or around a swimming pool.
4. Loss, theft of or damage to Baggage contained in an Unattended vehicle:
a) overnight between 9 p.m. and 8 a.m. (local time) or
b) at any time between 8 a.m. and 9 p.m. (local time) unless it is in the locked boot which is separate from the passenger compartment for those vehicles with a boot, or for those vehicles without a separate boot locked in the vehicle and covered from view and there is evidence of forced entry which is confirmed by a police report.
5. Loss or damage due to delay, confiscation or detention by customs or other authority.
6. Loss, theft of or damage to unset precious stones, contact or corneal lenses, hearing aids, dental or medical fittings, antiques, musical instruments, documents of any kind, bonds, securities, perishable goods, bicycles, Ski Equipment and damage to suitcases (unless the suitcase is entirely unusable as a result of one single incidence of damage).
7. Loss or damage due to cracking, scratching, breakage of or damage to china, glass (other than glass in watch faces, cameras, binoculars or telescopes), porcelain or other brittle or fragile articles unless caused by fire, theft, or accident to the aircraft, sea vessel, train or vehicle in which they are being carried.
8. Loss or damage due to breakage of sports equipment or damage to sports clothing whilst in use.
9. Loss, theft of or damage to business goods, samples, tools of trade, motor accessories and other items used in connection with Your business, trade, profession or occupation.
10. Loss or damage caused by wear and tear, depreciation, deterioration, atmospheric or climatic conditions, moth, vermin, any process of cleaning repairing or restoring, mechanical or electrical breakdown.
11. Claims arising for loss, theft or damage to pedal cycles, motor vehicles, marine or diving equipment and craft, surfboards, sailboards or related equipment or fittings of any kind.
12. Claims arising from damage caused by leakage of powder or liquid carried within personal effects or baggage.
13. Claims arising for Personal Money, cheques, contact lenses, antiques, computer equipment of any kind, mobile telephones, PDAs, TV sets.
14. Claims arising for loss, theft or damage of Baggage shipped as freight or under a Bill of Lading.
15. Claims arising from loss or theft from your accommodation unless there is evidence of forced entry which is confirmed by a police report.
16. Any item exceeding the maximum sum insured i.e. single article limit, valuables limit, etc.
17. Anything mentioned in the general exclusions on page 10.

Section A - Cancellation or Curtailment charges
What is covered
We will pay You up to the amount shown in the schedule of benefits for any irrecoverable unused travel and accommodation costs (including excursions up to £250) and other pre-paid charges which You have paid or are contracted to pay if:
a) cancellation of the Trip is necessary and unavoidable or
b) Trip is Curtailed before completion as a result of any of the following events occurring:
1. The death, Bodily Injury or illness of:
a) You
b) Your Travelling Companion
c) any person with whom You have arranged to reside temporarily
d) Your Close Relative
e) a Close Business Associate.
2. Compulsory quarantine, jury service attendance or being called as a witness at a Court of Law of You or Your Travelling Companion.
3. Redundancy (which qualifies for payment under current United Kingdom redundancy payment legislation and at the time of booking the Trip there was no reason to believe anyone would be made redundant) of You or Your Travelling Companion.
4. You or any person with whom You are travelling or have arranged to travel with are a member of the Armed Forces, Police, Fire, Nursing or Ambulance Services or employees of a Government Department and have Your/their authorised leave cancelled for operational reasons, provided that such cancellation or Curtailment could not reasonably have been expected at the time this insurance is purchased by You.
5. The police requesting You to remain at or return to Your Home due to serious damage to Your Home caused by fire, aircraft, explosion, storm, flood, subsidence, malicious damage or theft.
Special conditions relating to claims
1. It is a condition of the policy that You contact the Emergency Assistance Service prior to any Curtailment of Your Trip.
2. You must obtain a medical certificate from a Medical Practitioner and prior approval of the Emergency Assistance Service to confirm the necessity to return Home prior to Curtailment of the Trip due to death, Bodily Injury or illness.
3. If You fail to notify the travel agent, tour operator or provider of transport/accommodation immediately it is found necessary to cancel the Trip Our liability shall be restricted to the cancellation charges that would have applied had failure not occurred.
4. If You cancel the Trip due to Bodily Injury or illness You must be examined by and obtain a medical certificate from a Medical Practitioner stating that this necessarily and reasonably prevented You from travelling.
What is not covered
1. The Excess as shown in the Schedule of Benefits and Excesses.
2. Claims arising directly or indirectly as a result of Your failure to comply with the Important conditions relating to health shown on page 9.
3. The cost of Airport Departure Duty/Tax.
4. Any claims arising directly or indirectly from:
a) Redundancy caused by or resulting from misconduct leading to dismissal or from resignation or voluntary redundancy or where a warning or notification of redundancy was given prior to the date this insurance is purchased by You or the time of booking any Trip (whichever is the earlier).
b) Circumstances known to You prior to the date this insurance is purchased by You or the time of booking any Trip (whichever is the earlier) which could reasonably have been expected to give rise to cancellation or Curtailment of the Trip.
5. Travel tickets paid for using any airline mileage reward scheme, for example Air Miles.
6. Claims arising directly or indirectly as a result of You not having the appropriate visa or passport in Your possession.
7. Claims arising from stress, anxiety, depression or any other mental or nervous disorder.
8. Anything mentioned in the general exclusions on page 10.

Section J - Missed departure
What is covered
We will pay You up to the amount shown in the schedule of benefits for reasonable additional accommodation (room only) and travel expenses necessarily incurred in reaching Your overseas destination or returning to the United Kingdom if You fail to arrive at the departure point in time to board the scheduled Public Transport on which You are booked to travel on the initial journey of the Trip as a result of:
1. the failure of other Public Transport or
2. an accident to or breakdown of the vehicle in which You are travelling or
3. an accident or breakdown occurring ahead of You on a motorway or dual carriage way which causes an unexpected delay to the vehicle in which You are travelling or
4. strike, industrial action or adverse weather conditions.
You may claim only under either section H - Delayed departure or section I - Holiday abandonment or section J - Missed departure for the same event.
Special conditions relating to claims
1. In the event of a claim arising from any delay occurring on a motorway or dual carriage way You must obtain written confirmation from the Police or emergency breakdown services of the location, reason for and duration of the delay.
2. You must allow sufficient time for the scheduled Public Transport or other transport to arrive on schedule and to deliver You to the departure point. For example a minimum connection time of 2 hours between connecting flights of international point of departure or later if flight reservations systems require longer periods for connections.
What is not covered
1. The Excess as shown in the Schedule of Benefits and Excesses.
2. Claims arising directly or indirectly from:
a) Strike or industrial action existing or declared publicly by the date this insurance is purchased by You.
b) An accident to or breakdown of the vehicle in which You are travelling for which a professional repairers report is not provided.
c) Breakdown of any vehicle in which You are travelling if the vehicle is owned by You and has not been serviced properly and maintained in accordance with manufacturers instructions.
d) Withdrawal from service (temporary or otherwise) of an aircraft or sea vessel on the recommendation of the Civil Aviation Authority or a Port Authority or any similar body in any country.
3. Additional expenses where the scheduled Public Transport operator has offered reasonable alternative travel arrangements.
4. Anything mentioned in the general exclusions on page 10.

Section I - Holiday abandonment
What is covered
If departure of the scheduled Public Transport on which You are booked to travel is delayed at the final departure point from or to the United Kingdom for at least 24 hours from the scheduled time of departure due to:
1. strike or
2. industrial action or
3. adverse weather conditions or
4. mechanical breakdown of or a technical fault occurring in the scheduled Public Transport on which You are booked to travel
We will pay You:
Up to the amount as shown in the schedule of benefits for any irrecoverable unused travel and accommodation costs and other pre-paid charges which You have paid or are contracted to pay if after a minimum 24 hours has elapsed, You choose to cancel Your Trip.
You may claim only under either section H - Delayed departure or section I - Holiday abandonment or section J - Missed departure for the same event.
Special conditions relating to claims
1. You must check in according to the itinerary supplied to You.
2. You must obtain confirmation from the carriers (or their handling agents) in writing of the number of hours of delay and the reason for the delay.
3. You must comply with the terms of contract of the travel agent, tour operator or provider of transport.
What is not covered
1. The Excess as shown in the Schedule of Benefits and Excesses.
2. Claims arising directly or indirectly from:
a) Strike or industrial action or air traffic control delay existing or publicly declared by the date this insurance is purchased by You or the date Your Trip was booked.
b) Withdrawal from service (temporary or otherwise) of an aircraft or sea vessel on the recommendation of the Civil Aviation Authority or a Port Authority or any similar body in any country.
3. Anything mentioned in the general exclusions on page 10.

Section G - Personal liability
What is covered
We will pay You up to the amount shown in the schedule of benefits (inclusive of legal costs and expenses) against any amount You become legally liable to pay as compensation for any claim or series of claims arising from any one event or source of original cause in respect of accidental:
1. Bodily Injury, death, illness or disease to any person who is not in Your employment or who is not a Close Relative, member of Your household or Travelling Companion.
2. Loss of or damage to property that does not belong to and is neither in the charge of or under the control of You, a Close Relative, anyone in Your employment, any member of Your household, or Travelling Companion other than any temporary holiday accommodation occupied (but not owned) by You.
Special conditions relating to claims
1. You must give Us written notice as soon as possible of any incident, which may give rise to a claim.
2. You must forward every letter, writ, summons and process to Us as soon as You receive it.
3. You must not admit any liability or pay, offer to pay, promise to pay or negotiate any claim without Our written consent.
4.We will be entitled if We so desire to take over and conduct in Your name the defence of any claims for indemnity or damages or otherwise against any third party. We shall have full discretion in the conduct of any negotiation or proceedings or in the settlement of any claim and You shall give Us all necessary information and assistance which We may require.
5. In the event of Your death, Your legal representative(s) will have the protection of this cover provided that such representative(s) comply(ies) with the terms and conditions outlined in this policy.
What is not covered
1. The Excess as shown in the Schedule of Benefits and Excesses.
2. Compensation or legal costs arising directly or indirectly from:
a) Liability which has been assumed by You under agreement unless the liability would have attached in the absence of such agreement.
b) Pursuit of any business, trade, profession or occupation or the supply of goods or services.
c) Ownership possession or use of vehicles aircraft or watercraft (other than surfboards or manually propelled rowboats, punts or canoes).
d) The transmission of any communicable disease or virus.
e) Ownership or occupation of land or buildings (other than occupation only of any temporary holiday accommodation where We will not pay the Excess as detailed in the schedule of benefits for each and every claim arising from the same incident).
3. Anything mentioned in the general exclusions on page 10.

Section E - Baggage, baggage delay and passport
Special conditions relating to claims
4. You must provide an original receipt or proof of ownership for items lost, stolen or damaged to help You to substantiate Your claim. The maximum payment for any Single Item for which an original receipt, proof of purchase or insurance valuation (obtained prior to loss) is not supplied is £50, subject to a maximum of £300 for all such items.

General exclusions applicable to all sections of the policy
We will not pay for claims arising directly or indirectly from:
1. War, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, Terrorism, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power but this exclusion shall not apply to losses under section B - Emergency medical and other expenses, section C - Hospital benefit and section D - Personal accident unless such losses are caused by nuclear, chemical or biological attack, or the disturbances were already taking place at the beginning of any Trip.
2. Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste, from combustion of nuclear fuel, the radioactive, toxic, explosive or other hazardous properties of any nuclear assembly or nuclear component of such assembly.
3. Loss, destruction or damage directly occasioned by pressure waves caused by aircraft and other aerial devices travelling at sonic or supersonic speeds.
4. Your pursuit of Winter Sports unless sections Q1, Q2, Q3, Q4 and Q5 are shown as operative in the validation certificate and the appropriate premium has been paid. However, even if Winter Sports cover is included You are still not covered for the following activities: Off piste skiing or snowboarding where an avalanche warning of more than 2 is in place, ski stunting, free-style skiing, ice hockey, bobbing, tobogganing, heli skiing, ski acrobatics, ski flying, ski jumping, ski mountaineering, snowcat skiing, snow carting or the use of bob sleighs, luges or skeletons.
5. Your engagement in or practice of: manual work in connection with a profession business or trade, flying except as a fare paying passenger in a fully-licensed passenger-carrying aircraft, the use of motorised two or three wheeled vehicles unless an applicable current United Kingdom driving licence is held permitting the use of such vehicles in the United Kingdom and the country visited and a crash helmet is worn, professional entertaining, professional sports, racing (other than on foot), motor rallies and motor competitions.
6. Your participation in or practice of any other sport or activity unless:
a) Shown as covered without charge in the list on pages 10 and 11
b) Shown as operative in Your schedule
7. Your wilfully, self-inflicted injury or illness, suicide or attempted suicide, sexually transmitted diseases, solvent abuse, alcohol abuse, the use of drugs (other than drugs taken in accordance with treatment prescribed and directed by a Medical Practitioner, but not for the treatment of drug addiction), self-exposure to needless peril (except in an attempt to save human life).
8. Your own unlawful action or any criminal proceedings against You.
9. Consequential loss of any kind (for example, loss of enjoyment and the replacement of locks following loss of keys).
10. Operational duties of a member of the Armed Forces.
11. Your travel to a country or specific area or event to which the Travel Advice Unit of the Foreign & Commonwealth Office or the World Health Organisation has advised the public not to travel.
12. Loss of enjoyment.

General exclusions applicable to all sections of the policy
We will not pay for claims arising directly or indirectly from:
1. War, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, Terrorism, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power but this exclusion shall not apply to losses under section B - Emergency medical and other expenses, section C - Hospital benefit and section D - Personal accident unless such losses are caused by nuclear, chemical or biological attack, or the disturbances were already taking place at the beginning of any Trip.

General exclusions applicable to all sections of the policy
We will not pay for claims arising directly or indirectly from:
1. War, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, Terrorism, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power but this exclusion shall not apply to losses under section B - Emergency medical and other expenses, section C - Hospital benefit and section D - Personal accident unless such losses are caused by nuclear, chemical or biological attack, or the disturbances were already taking place at the beginning of any Trip.

Claims conditions
You must comply with the following conditions to have the full protection of Your policy.
If You do not comply We may at Our option cancel the policy or refuse to deal with Your claim or reduce the amount of any claim payment.
1. Claims
You must notify Us preferably by phone at the address given below, depending on the type of claim:
All Claims except Legal Expenses Legal Expenses only
etravelinsurance.co.uk Stones Solicitors
Drakefield Insurance Claims , Linacre House,
PO Box 54038, Southernhay Gardens,
London, SW20 8UY Exeter. EX1 1UG
Tel: 0870 428 8063 Tel: 0797 626 5211
Fax: 0870 240 0304
E-Mail: claims@drakefieldinsurance.co.uk
When contacting the claims department, please have the following information to hand:
- Policy number
- Resort and country visited
- Value of claim
- Brief circumstances
- Travel dates
- Incident date
Condition: Failure to have the above information to hand may result in Your claim being delayed.
The notification must be made within 31 days following any Bodily Injury, illness, disease, incident, event, redundancy or the discovery of any loss, theft or damage which may give rise to a claim under this policy.
You must also inform Us if You are aware of any writ, summons or impending prosecution. Every communication relating to a claim must be sent to Us without delay. You or anyone acting on Your behalf must not negotiate admit or repudiate any claim without Our written consent.
You or Your legal representatives must supply at Your own expense all information, evidence, details of household insurance and medical certificates as required by us. We reserve the right to require You to undergo an independent medical examination at Our expense. We may also request and will pay for a post mortem examination.
You must retain any property which is damaged, and, if requested, send it to Us at Your own expense. If We pay a claim for the full value of the property and it is subsequently recovered or there is any salvage then it will become Our property.
We may refuse to reimburse You for any expenses for which You cannot provide receipts or bills.
2. Subrogation
We are entitled to take over any rights in the defence or settlement of any claim and to take proceedings in Your name for Our benefit against any other party.
3. Fraud
You must not act in a fraudulent manner.
If You or anyone acting for You
a) Make a claim under the policy knowing the claim to be false or fraudulently exaggerated in any respect or
b) Make a statement in support of a claim knowing the statement to be false in any respect or
c) Submit a document in support of a claim knowing the document to be forged or false in any respect or
d) Make a claim in respect of any loss or damage caused by Your wilful act or with Your connivance Then
a) We shall not pay the claim
b) We shall not pay any other claim which has been or will be made under the policy
c) We may at Our option declare the policy void
d) We shall be entitled to recover from You the amount of any claim already paid under the policy
e) We shall not make any return of premium
f) We may inform the police of the circumstances.
4. Disclosure of Information
In the unfortunate event that You need to make a claim then We will need to disclose information with any other party involved in the claim. This may include:
a) Third parties involved with the claim, their insurer, solicitor or representative
b) Medical teams, the police or other investigators
c) Our claims handlers or other agents involved in dealing with Your claim

General conditions applicable to the whole policy
You must comply with the following conditions to have the full protection of Your policy.
If You do not comply We may at Our option cancel the policy or refuse to deal with Your claim or reduce the amount of any claim payment.
1. Dual insurance
If at the time of any incident which results in a claim under this policy, there is another insurance covering the same loss, damage, expense or liability We will not pay more than Our proportional share (not applicable to section D - Personal accident).
2. Reasonable precautions
You must take and cause to be taken all reasonable precautions to avoid injury, illness, disease, loss, theft or damage and take and cause to be taken all practicable steps to safeguard Your property from loss or damage and to recover property lost or stolen.
3. Cooling off period
Please examine the policy and validation certificate and return them within 14 days of receipt if they do not meet Your requirements. We will refund the premium in full provided it is prior to Your departure date and no claim is being made.
You must tell Us by writing to: etravelinsurance.co.uk, West Wing, 6 Miles Gray Road, Basildon, Essex SS14 3GD
If a claim has been submitted or there has been any incident likely to give rise to a claim during the current Period of Insurance no premium refund will be given.
Where the premium was paid by credit card You will however be responsible for payment of any administrative or interest charges levied by the credit card provider.
For cancellations occurring after 14 days of issue of the policy no refund of premium will be made.
We reserve the right to cancel this policy immediately in the event of non-payment of the premium.
We may also cancel the policy by sending 14 days notice by recorded delivery to You at Your last known address without a refund of premium.
4. Maximum Age Limit
Single Trip - 75 years
Annual Multi Trip - 65 years
Backpacker - 45 years

Reciprocal health agreements
EU, EEA or Switzerland
If You are travelling to countries within the European Union (EU), the European Economic Area (EEA) or Switzerland You are strongly advised to obtain a European Health Insurance Card (EHIC) application from Your local Post Office. You can also apply either online through www.dh.gov.uk/travellers or by telephoning 0845 606 2030. This will entitle You to benefit from the reciprocal health care arrangements which exist between countries within the EU/EEA or Switzerland. In the event of liability being accepted for a medical expense which has been reduced by the use of a European Health Insurance Card We will not apply the deduction of Excess under section B - Emergency medical expenses and other expenses.