AA Single Trip Travel Insurance

Insurer
AA Travel Insurance is underwritten by NIG which is the trading name of the National Insurance and Guarantee Corporation Ltd who are authorised and regulated by the Financial Services Authority. Our registered offices are Crown House, 145 City Road, London EC1V 1LP. Registered number 42133. NIG is part of The Royal Bank of Scotland Group. The Financial Services Authority website, which includes a register of all regulated firms, can be visited at www.fsa.gov.uk/register, or the Financial Services Authority can be contacted on 0845 606 1234.
Cover is specially arranged for AA Travel Insurance which is a division of Drakefield Insurance Services Limited, authorised and regulated by the Financial Services Authority. Drakefield Insurance Services Limited is part of The AA. Registered address:
Fanum House, Basing View, Basingstoke, Hampshire RG21 4EA. Registered Number 03588184.

The AA Travel Insurance policy contains health restrictions. You must be able to make the following declaration for yourself,anyone travelling with you, a close relative or business associate who the trip will depend on.
For you or anyone travelling with you
As far as I know the following apply.
a) Nobody is waiting for an operation, hospital consultation (other than for regular check-ups), or other hospital treatment or investigations.
b) Nobody has received treatment, other than regular medication, in the past 12 months for:
- any blood disorder
- any form of cancer, leukaemia or tumour
- a transplant
- any psychiatric illness
- dialysis treatment
- dementia
c) Nobody has had any breathing or heart problem which has needed hospital treatment more than once in the past 12 months.
d) Nobody has been seen by a specialist in the past three months (other than for regular check-ups) or been admitted to a hospital overnight.
e) Nobody has been diagnosed by a registered doctor as having a terminal condition.
f) I do not know of any reason (other than medical) why the trip is likely to be cancelled or cut short.

SECTION 1
Medical and other expenses
Please Note:
- Medical, dental or hospital expenses in the UK are not covered by this insurance.
- All in-patient treatment, additional accommodation or travelling expenses (e.g. to return home early) must be authorised in advance by our Emergency Assistance Service providers.
The maximum amount we will pay per person is shown below:
Medical Expenses . . . . . . . . . . . . . . . . . . . . £10 million
Emergency Dental Expenses . . . . . . . . . . . . £350
Funeral Expenses . . . . . . . . . . . . . . . . . . . . £2,500
Hospital Benefit . . . . . . . . . . . . . . . . . . . . . . £600
WHAT'S COVERED
Medical Expenses
- If you are ill, injured or die on a trip we will pay all necessary and reasonable expenses for:
- Medical and hospital treatment (including ambulance and rescue services to take you to hospital).
- Emergency dental treatment to relieve sudden pain.
Additional Travel and Accommodation
- Extra travelling expenses to return to your home in the UK.
- Extra accommodation expenses if your illness or injury forces you to stay longer than you had originally booked.
- A qualified medical attendant to escort you home, if medically advised.
- The travel and accommodation expenses for one person to stay and travel home with you, if medically advised.
Funeral Expenses
- The preparation and transport expenses of returning your body or ashes to your home in the UK.
- The cost of burying or cremating your body in the country where you died.
Hospital Benefit
- If you are ill or injured while on a trip abroad and are treated as an in-patient in a hospital, we will pay you £25 for each 24 hours you are in hospital. This benefit is intended to cover or contribute towards any incidental expenses e.g. telephone calls*, food, taxis etc. that are not normally covered under the policy.
*Please note: mobile phones are convenient but expensive and you may still have to pay for the call, even if someone calls you when you are abroad.
WHAT'S NOT COVERED
- The first £50 of each and every claim per event, per person, per section of cover.
An excess is not payable where an E111 has reduced the claim or for hospital benefit and burial abroad claims.
- Any medical, dental or hospital expenses incurred in the UK.
- Any in-patient, extra accommodation or travelling expenses not authorised by us or our 24 hour Emergency Assistance Service providers.
- Any claim where you have travelled against medical advice or in order to obtain medical treatment or advice abroad.
- Any expenses incurred 12 months after the original injury or illness.
- Any expenses that have been or can be recovered under a reciprocal health agreement.
- Any expenses for treatment or surgery or exploratory tests which are not directly related to the illness or injury for which you originally went into hospital.
- Any expenses for cosmetic or elective surgery.
- Any expenses for treatment or services provided by a health spa, convalescent or nursing home or any rehabilitation centre.
- Any expenses as a result of a tropical disease where you have not had the recommended immunisation and/or taken the recommended medication.
- Food, drinks, taxi fares (or other transport costs), telephone calls, faxes or other telecommunications expenses unless we agree otherwise.
- Any expenses for obtaining or replacing medication which you knew you would need while you were away.
- Any expenses incurred after we have instructed you to return home if our medical advisers and the doctors treating you decide you are fit to travel.
- Any expenses which are not usual, reasonable or customary to treat your illness or injury.
- Any expenses for:
- Non-essential or ongoing treatment, which could be reasonably delayed until your return to the UK.
- A single or private hospital room unless it is medically necessary or authorised by us or our 24 hour Emergency Assistance Service providers.
- Non-emergency dental work or providing dentures, artificial teeth and dental work using a precious material.
- Any claim caused directly or indirectly by pregnancy or childbirth if the end of your trip is within 12weeks of your expected delivery date.
- See also pages 1416 General Exclusions.

SECTION 7
Personal accident
The maximum amount we will pay is £25,000 per event, per person:
Age of Insured Person
Age 1664  £15,000 for Death £25,000 for Permanent Total Disablement or Loss of Limb/Eye
Age 15 and under £2,000 for Death £25,000 for Permanent Total Disablement or Loss of Limb/Eye
Age 65 and over  £15,000 for Death £25,000 for Loss of Limb/Eye
No payment will be made for Permanent Total Disablement
WHAT'S COVERED
If you suffer accidental bodily injury and as a direct result are disabled or die within 12 months, you will receive one of the following payments:
- The amount shown in the table if the injury causes your death.
- The amount shown in the table if the injury results in:
- Your hand or foot being permanently cut off at or above the wrist or ankle.
- The total and irreversible loss of use of all of your hand, arm, foot or leg.
- The total and irreversible loss of sight in one or both of your eyes.
- The amount shown above if the injury causes permanent total disablement, which prevents you from working in your usual occupation or any similar occupation. It must also stop you from doing any paid work that your experience, education or training reasonably qualifies you to do.
WHAT'S NOT COVERED
- Payment for more than one event described above in "What's Covered." If a claim is paid, there will be no further liability under this section for any further accidents to that Insured Person.
- Sickness, disease or gradually occurring conditions.
- See also pages 1416 General Exclusions.

If you are injured or fall ill while on a trip abroad and are being treated as an in-patient in a hospital, we will pay you £25 for each 24 hours you are hospitalised towards incidental expenses you have to pay such as telephone calls and transport expenses.

- The preparation and transport expenses of returning your body or ashes to your home in the UK
- The cost (up to £2500) of burying or cremating your body in the country where you died.

- The preparation and transport expenses of returning your body or ashes to your home in the UK
- The cost (up to £2500) of burying or cremating your body in the country where you died.

SECTION 4
Personal possessions, luggage, money & passport
The maximum amount we will pay per person is shown below:
Personal Possessions and Luggage . . . . . . . . . .  £1,500
Money . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  £500
Loss of Passport/Tickets . . . . . . . . . . . . . . . . . . £250
Delayed Luggage Emergency Replacement Items . £200
Business Equipment Hire . . . . . . . . . . . . . . . . . . . . £500
Important additional limits are shown below:
£75 is the maximum we will pay per person for cash which is stolen from a locked boot, luggage area or glove compartment of an unattended motor vehicle.
WHAT'S COVERED
- Loss or theft of or damage to your personal possessions, luggage or money.
- The extra expenses you may incur to replace your passport or travel documents, where they have been lost, stolen or damaged outside the UK.
- Replacing essential toiletries, medication and clothing, if your luggage is delayed for more than 12 hours, after arrival at your final outward destination.
- The extra expenses you may incur to hire business equipment following loss, theft or damage to your own equipment.
WHAT'S NOT COVERED
- The first £50 of each and every claim per event, per person, per section of cover.
- Unless you report the matter to the nearest police authority within 24 hours of discovering its occurrence, and you obtain a written police report, claims for:
- Loss of personal possessions worth over £100 or money to the value of £100 or more.
- Any theft of personal possessions or money.
- Damage to your personal possessions caused deliberately.
- Loss of, theft of or damage to:
- Personal possessions while in the custody of an airline, rail company, shipping line, bus or coach company, hotel or their agents unless you obtain a written report from them (known a Property Irregularity Report).
- High Risk Items or money not carried in your hand luggage (i.e. carried on or about your person) while in transit.
- Personal possessions or money in an unattended motor vehicle unless securely closed and locked with the items placed out of sight in a locked boot, luggage area or compartment and there is evidence of forcible or violent entry.
- Personal possessions or money in our accommodation unless the accommodation has been securely locked or items locked in a safe or safety deposit box, where this is reasonably practicable.
- Personal possessions or money left unattended in a place to which the public has or may obtain access.
- Traveller's cheques or credit/debit cards where the issuer provides a replacement service or where you have not complied with the issuer's instructions.
- Bonds, coupons, securities, stamps or documents except passports or money.
- Samples, merchandise or property used in connection with your business or trade, pets and livestock, aircraft or accessories, caravans, trailers, vehicles or accessories, household goods and domestic appliances, antiques, fine art, ski equipment (unless your policy schedule shows that you have Winter Sports cover), sports equipment when in use, boats and/or associated equipment, perishable goods, glass, china or any other brittle or fragile items.
Films, tapes, cassettes, cartridges or discs other than for their value as unused material unless purchased pre-recorded.
- Property shipped as freight or under a bill of lading.
- Loss or theft of personal possessions (other than tents or camping furniture, or cycles placed in a locked cycle rack) from roofracks or open-topped vehicles when your trip is covered by an AA European Breakdown policy.
- Any loss causing a shortage due to a mistake while exchanging currency or because the exchange rate has fallen and so your currency has lost value.
- Any loss or damage caused by the process of cleaning, repairing or by restoring, atmospheric or climatic conditions, moth or vermin, electrical or mechanical breakdown.
- Loss of or damage to dentures, hearing aids, contact or corneal lenses.
- Any loss due to delay, detention, confiscation, requisition or damage by Customs or other officials or authorities.
- See also pages 1416 General Exclusions.

SECTION 9
Legal expenses
The maximum amount we will pay per person is shown below:
Legal Expenses . . . . . . . . . . . . . . . . . . . . . . . . .£25,000
WHAT'S COVERED
- Legal costs or expenses incurred by you or your legal representatives, to help you to take legal action to claim damages or compensation for your injury, illness or death, happening on your trip.
Note: If we ask, you must instruct the appointed solicitor to have legal expenses taxed, assessed or audited. You must take every step to recover legal expenses costs from opponents that we have to pay, and these must be paid to us.
We will have complete control over any legal proceedings and the appointment of solicitors.
WHAT'S NOT COVERED
- Claims where the damages or compensation claimed is below £100.
- Any claim brought against:
- Us or any company within the Centrica Group of companies.
- A tour operator, travel agent, carrier or their agents.
- A relative, member of your household, travelling companion or employee.
- Legal costs and expenses incurred before we agree to support your claim.
- Claims reported after 180 days of the event causing your injury or death.
- Claims where we do not consider you have a reasonable prospect of success or where the costs of pursuing your claim are deemed greater than any damages you may receive.
- See also pages 1416 General Exclusions.

SECTION 10
Hijack
The maximum amount we will pay per person is shown below:
Hijack . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .£500
WHAT'S COVERED
- If the aircraft, train or ship that you are travelling on is hijacked, you will receive £50 for each complete 24 hours you are a hostage.
WHAT'S NOT COVERED
- See pages 1416 General Exclusions.

SECTION 15
Ski equipment
Sections 1517 of this policy are only applicable if you have chosen to include Winter Sports cover. Your policy schedule will confirm if you have this cover.
The maximum amount we will pay per person is shown below:
Ski Equipment . . . . . . . . . . . . . . . . . . . . . . . . . . . £500
Hire of equipment . . . . . . . . . . . . . . . . . . . . . . . . . £300
Important additional limits are shown below:
£250 is the maximum amount payable for any one single item belonging to you. For example a pair of skis with bindings are considered as one item.
£250 is the maximum amount payable for any one item which you have hired.
WHAT'S COVERED
- Loss, theft or damage to skis, ski-sticks/poles, bindings, snowboards and ski boots belonging to you or hired by you.
- Up to £20 per day up to a maximum of £300 for hire of equipment if:
- You are without your equipment for more than 12 hours, from the time you arrive at your destination due to temporary delay or misdirection.
- You can no longer use your equipment because it has been lost, stolen or damaged. You must keep all damaged equipment to be inspected by us in the UK.
WHAT'S NOT COVERED
- The first £50 of each and every claim per event, per person, per section of cover (except for claims for hire of equipment).
- Unless you report the matter to the nearest police authority within 24 hours of discovering its occurrence, and you obtain a written police report, claims for:
- Any loss or theft of ski equipment.
- Damage to your ski equipment caused deliberately.
- Loss of, theft of or damage to ski equipment:
- While in the custody of an airline, rail company, shipping line, bus or coach company, hotel or their agents unless you obtain a written report from them (known as a Property Irregularity Report).
- In an unattended motor vehicle unless securely closed and locked with the items placed out of sight in a locked boot, luggage area or compartment and there is evidence of forcible or violent entry.
- In your accommodation unless the accommodation has been securely locked.
- Left unattended in a place to which the public has or may obtain access.
- Shipped as freight or under a bill of lading.
- Any loss or damage caused by the process of cleaning, repairing or by restoring, atmospheric or climatic conditions, moth or vermin, electrical or mechanical breakdown.
- Any loss due to delay, detention, confiscation, requisition or damage by Customs or other officials or authorities.
- See also pages 1416 General Exclusions.

SECTION 15
Ski equipment
Sections 1517 of this policy are only applicable if you have chosen to include Winter Sports cover. Your policy schedule will confirm if you have this cover.
The maximum amount we will pay per person is shown below:
Ski Equipment . . . . . . . . . . . . . . . . . . . . . . . . . . . .£500
Hire of equipment . . . . . . . . . . . . . . . . . . . . . . . . .£300
Important additional limits are shown below:
£250 is the maximum amount payable for any one single item belonging to you. For example a pair of skis with bindings are considered as one item.
£250 is the maximum amount payable for any one item which you have hired.
WHAT'S COVERED
- Loss, theft or damage to skis, ski-sticks/poles, bindings, snowboards and ski boots belonging to you or hired by you.
- Up to £20 per day up to a maximum of £300 for hire of equipment if:
- You are without your equipment for more than 12 hours, from the time you arrive at your destination due to temporary delay or misdirection.
- You can no longer use your equipment because it has been lost, stolen or damaged. You must keep all damaged equipment to be inspected by us in the UK.
WHAT'S NOT COVERED
- The first £50 of each and every claim per event, per person, per section of cover (except for claims for hire of equipment).
- Unless you report the matter to the nearest police authority within 24 hours of discovering its occurrence, and you obtain a written police report, claims for:
- Any loss or theft of ski equipment.
- Damage to your ski equipment caused deliberately.
- Loss of, theft of or damage to ski equipment:
- While in the custody of an airline, rail company, shipping line, bus or coach company, hotel or their agents unless you obtain a written report from them (known as a Property Irregularity Report).
- In an unattended motor vehicle unless securely closed and locked with the items placed out of sight in a locked boot, luggage area or compartment and there is evidence of forcible or violent entry.
- In your accommodation unless the accommodation has been securely locked.
- Left unattended in a place to which the public has or may obtain access.
- Shipped as freight or under a bill of lading.
- Any loss or damage caused by the process of cleaning, repairing or by restoring, atmospheric or climatic conditions, moth or vermin, electrical or mechanical breakdown.
- Any loss due to delay, detention, confiscation, requisition or damage by Customs or other officials or authorities.
- See also pages 1416 General Exclusions.

SECTION 15
Ski equipment
Sections 1517 of this policy are only applicable if you have chosen to include Winter Sports cover. Your policy schedule will confirm if you have this cover.
The maximum amount we will pay per person is shown below:
Ski Equipment . . . . . . . . . . . . . . . . . . . . . . . . . . . .£500
Hire of equipment . . . . . . . . . . . . . . . . . . . . . . . . .£300
Important additional limits are shown below:
£250 is the maximum amount payable for any one single item belonging to you. For example a pair of skis with bindings are considered as one item.
£250 is the maximum amount payable for any one item which you have hired.
WHAT'S COVERED
- Loss, theft or damage to skis, ski-sticks/poles, bindings, snowboards and ski boots belonging to you or hired by you.
- Up to £20 per day up to a maximum of £300 for hire of equipment if:
- You are without your equipment for more than 12 hours, from the time you arrive at your destination due to temporary delay or misdirection.
- You can no longer use your equipment because it has been lost, stolen or damaged. You must keep all damaged equipment to be inspected by us in the UK.
WHAT'S NOT COVERED
- The first £50 of each and every claim per event, per person, per section of cover (except for claims for hire of equipment).
- Unless you report the matter to the nearest police authority within 24 hours of discovering its occurrence, and you obtain a written police report, claims for:
- Any loss or theft of ski equipment.
- Damage to your ski equipment caused deliberately.
- Loss of, theft of or damage to ski equipment:
- While in the custody of an airline, rail company, shipping line, bus or coach company, hotel or their agents unless you obtain a written report from them (known as a Property Irregularity Report).
- In an unattended motor vehicle unless securely closed and locked with the items placed out of sight in a locked boot, luggage area or compartment and there is evidence of forcible or violent entry.
- In your accommodation unless the accommodation has been securely locked.
- Left unattended in a place to which the public has or may obtain access.
- Shipped as freight or under a bill of lading.
- Any loss or damage caused by the process of cleaning, repairing or by restoring, atmospheric or climatic conditions, moth or vermin, electrical or mechanical breakdown.
- Any loss due to delay, detention, confiscation, requisition or damage by Customs or other officials or authorities.
- See also pages 1416 General Exclusions.

SECTION 16
Ski pack
The maximum amount we will pay per person is shown below:
Ski Pack . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .£250
Inability to Ski . . . . . . . . . . . . . . . . . . . . . . . . . . . . £200
Replace Lift or Ski Passes . . . . . . . . . . . . . . . . . . . £250
Sections 1517 of this policy are only applicable if you have chosen to include Winter Sports cover. Your policy schedule will confirm if you have this cover.
WHAT'S COVERED
- If you are prevented from skiing because of serious injury or illness on a trip we will cover the proportional costs of your unused ski pack which has been paid or is due to be paid.
Your ski pack is defined as:
- Ski equipment hire.
- Lift passes.
- Ski school expenses.
- If you are prevented from skiing because of serious injury or illness on a trip we will pay £20 for each full day you are unable to ski.
- The extra expenses you may incur to replace your lift or ski passes if they are lost or stolen.
WHAT'S NOT COVERED
- Expenses recoverable from elsewhere.
- Injury or illness claims that are not supported by a medical certificate from a medical practitioner in the resort.
- Accidental loss or theft of ski or lift passes unless you report the matter to the nearest Police authority within 24 hours of discovering its occurrence and you obtain a written Police report.
- See also pages 1416 General Exclusions.

SECTION 16
Ski pack
The maximum amount we will pay per person is
shown below:
Ski Pack . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .£250
Inability to Ski . . . . . . . . . . . . . . . . . . . . . . . . . . . . £200
Replace Lift or Ski Passes . . . . . . . . . . . . . . . . . . . £250
Sections 1517 of this policy are only applicable if you have chosen to include Winter Sports cover. Your policy schedule will confirm if you have this cover.
WHAT'S COVERED
- If you are prevented from skiing because of serious injury or illness on a trip we will cover the proportional costs of your unused ski pack which has been paid or is due to be paid.
Your ski pack is defined as:
- Ski equipment hire.
- Lift passes.
- Ski school expenses.
- If you are prevented from skiing because of serious injury or illness on a trip we will pay £20 for each full day you are unable to ski.
- The extra expenses you may incur to replace your lift or ski passes if they are lost or stolen.
WHAT'S NOT COVERED
- Expenses recoverable from elsewhere.
- Injury or illness claims that are not supported by a medical certificate from a medical practitioner in the resort.
- Accidental loss or theft of ski or lift passes unless you report the matter to the nearest Police authority within 24 hours of discovering its occurrence and you obtain a written Police report.
- See also pages 1416 General Exclusions.

SECTION 17
Piste closure
The maximum amount we will pay per person is shown below:
Piste closure . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .£200
Sections 1517 of this policy are only applicable if you have chosen to include Winter Sports cover. Your policy schedule will confirm if you have this cover.
WHAT'S COVERED
If adverse snow conditions cause all the skiing/snowboarding facilities in your resort to close, you will receive:
- Up to £20 a day to help cover the expenses of travelling to a nearby piste, or
- £20 a day compensation if there is no suitable piste nearby.
WHAT'S NOT COVERED
- If you can claim compensation from any other source.
- Piste closure outside the normal ski season as defined by the local piste authority of the resort in question.
- If your chosen resort does not have skiing/snowboarding facilities above 1,600 metres.
- See also pages 1416 General Exclusions.

SECTION 17
Piste closure
The maximum amount we will pay per person is shown below:
Piste closure . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .£200
Sections 1517 of this policy are only applicable if you have chosen to include Winter Sports cover. Your policy schedule will confirm if you have this cover.
WHAT'S COVERED
If adverse snow conditions cause all the skiing/snowboarding facilities in your resort to close, you will receive:
- Up to £20 a day to help cover the expenses of travelling to a nearby piste, or
- £20 a day compensation if there is no suitable piste nearby.
WHAT'S NOT COVERED
- If you can claim compensation from any other source.
- Piste closure outside the normal ski season as defined by the local piste authority of the resort in question.
- If your chosen resort does not have skiing/snowboarding facilities above 1,600 metres.
- See also pages 1416 General Exclusions.

SECTION 17
Piste closure
The maximum amount we will pay per person is shown below:
Piste closure . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .£200
Sections 1517 of this policy are only applicable if you have chosen to include Winter Sports cover. Your policy schedule will confirm if you have this cover.
WHAT'S COVERED
If adverse snow conditions cause all the skiing/snowboarding facilities in your resort to close, you will receive:
- Up to £20 a day to help cover the expenses of travelling to a nearby piste, or
- £20 a day compensation if there is no suitable piste nearby.
WHAT'S NOT COVERED
- If you can claim compensation from any other source.
- Piste closure outside the normal ski season as defined by the local piste authority of the resort in question.
- If your chosen resort does not have skiing/snowboarding facilities above 1,600 metres.
- See also pages 1416 General Exclusions.

SECTION 15
Ski equipment
Sections 1517 of this policy are only applicable if you have chosen to include Winter Sports cover. Your policy schedule will confirm if you have this cover.
The maximum amount we will pay per person is shown below:
Ski Equipment . . . . . . . . . . . . . . . . . . . . . . . . . . . .£500
Hire of equipment . . . . . . . . . . . . . . . . . . . . . . . . .£300
Important additional limits are shown below:
£250 is the maximum amount payable for any one single item belonging to you. For example a pair of skis with bindings are considered as one item.
£250 is the maximum amount payable for any one item which you have hired.
WHAT'S COVERED
- Loss, theft or damage to skis, ski-sticks/poles, bindings, snowboards and ski boots belonging to you or hired by you.
- Up to £20 per day up to a maximum of £300 for hire of equipment if:
- You are without your equipment for more than 12 hours, from the time you arrive at your destination due to temporary delay or misdirection.
- You can no longer use your equipment because it has been lost, stolen or damaged. You must keep all damaged equipment to be inspected by us in the UK.
WHAT'S NOT COVERED
- The first £50 of each and every claim per event, per person, per section of cover (except for claims for hire of equipment).
- Unless you report the matter to the nearest police authority within 24 hours of discovering its occurrence, and you obtain a written police report, claims for:
- Any loss or theft of ski equipment.
- Damage to your ski equipment caused deliberately.
- Loss of, theft of or damage to ski equipment:
- While in the custody of an airline, rail company, shipping line, bus or coach company, hotel or their agents unless you obtain a written report from them (known as a Property Irregularity Report).
- In an unattended motor vehicle unless securely closed and locked with the items placed out of sight in a locked boot, luggage area or compartment and there is evidence of forcible or violent entry.
- In your accommodation unless the accommodation has been securely locked.
- Left unattended in a place to which the public has or may obtain access.
- Shipped as freight or under a bill of lading.
- Any loss or damage caused by the process of cleaning, repairing or by restoring, atmospheric or climatic conditions, moth or vermin, electrical or mechanical breakdown.
- Any loss due to delay, detention, confiscation, requisition or damage by Customs or other officials or authorities.
- See also pages 1416 General Exclusions.

SECTION 15
Ski equipment
Sections 1517 of this policy are only applicable if you have chosen to include Winter Sports cover. Your policy schedule will confirm if you have this cover.
The maximum amount we will pay per person is shown below:
Ski Equipment . . . . . . . . . . . . . . . . . . . . . . . . . . . .£500
Hire of equipment . . . . . . . . . . . . . . . . . . . . . . . . .£300
Important additional limits are shown below:
£250 is the maximum amount payable for any one single item belonging to you. For example a pair of skis with bindings are considered as one item.
£250 is the maximum amount payable for any one item which you have hired.
WHAT'S COVERED
- Loss, theft or damage to skis, ski-sticks/poles, bindings, snowboards and ski boots belonging to you or hired by you.
- Up to £20 per day up to a maximum of £300 for hire of equipment if:
- You are without your equipment for more than 12 hours, from the time you arrive at your destination due to temporary delay or misdirection.
- You can no longer use your equipment because it has been lost, stolen or damaged. You must keep all damaged equipment to be inspected by us in the UK.
WHAT'S NOT COVERED
- The first £50 of each and every claim per event, per person, per section of cover (except for claims for hire of equipment).
- Unless you report the matter to the nearest police authority within 24 hours of discovering its occurrence, and you obtain a written police report, claims for:
- Any loss or theft of ski equipment.
- Damage to your ski equipment caused deliberately.
- Loss of, theft of or damage to ski equipment:
- While in the custody of an airline, rail company, shipping line, bus or coach company, hotel or their agents unless you obtain a written report from them (known as a Property Irregularity Report).
- In an unattended motor vehicle unless securely closed and locked with the items placed out of sight in a locked boot, luggage area or compartment and there is evidence of forcible or violent entry.
- In your accommodation unless the accommodation has been securely locked.
- Left unattended in a place to which the public has or may obtain access.
- Shipped as freight or under a bill of lading.
- Any loss or damage caused by the process of cleaning, repairing or by restoring, atmospheric or climatic conditions, moth or vermin, electrical or mechanical breakdown.
- Any loss due to delay, detention, confiscation, requisition or damage by Customs or other officials or authorities.
- See also pages 1416 General Exclusions.

For accidental loss, theft or damage to Personal Possessions, the amount payable will be the value at today's prices less a deduction for wear and tear and depreciation. We may at our discretion replace or repair the item.
Any payments made under delayed luggage will be deducted from an eventual claim for loss, damage or theft, if the property proves to be permanently lost.

SECTION 4
Personal possessions, luggage, money & passport
This section of the policy will be included unless you have chosen to exclude it. Your policy schedule will confirm if you have this cover.
Please Note:
- For accidental loss, theft or damage to personal possessions, the amount payable will be the value at today's prices less a deduction for wear and tear and depreciation. We may at our discretion replace or repair the item.
- Any payments made under delayed luggage will be deducted from an eventual claim for loss, damage or theft, if the property proves to be permanently lost.
The maximum amount we will pay per person is shown below:
Personal Possessions and Luggage . . . . . . . . . .  £1,500
Money . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  £500
Loss of Passport/Tickets . . . . . . . . . . . . . . . . . . £250
Delayed Luggage Emergency Replacement Items . £200
Business Equipment Hire . . . . . . . . . . . . . . . . . . . . £500
Important additional limits are shown below:
£400 is the maximum we will pay for High Risk Items in total per person.
£300 is the maximum we will pay for any single item.
A camera with attachments or a matching set of earrings and necklace, for example, are considered one item.
£300 (£50 if you under 16) is the maximum we will pay per person for cash which is lost, stolen or damaged.
This limit also applies where one person is carrying cash belonging to another person or family member.
£75 is the maximum we will pay per person for cash which is stolen from a locked boot, luggage area or glove compartment of an unattended motor vehicle.
£200 is the maximum we will pay per party for tools, spare parts kit, warning triangle, emergency windscreen and snow chains. This benefit will only apply if your trip is covered under an AA European Breakdown policy.
£250 is the maximum we will pay per party (limited to £50 for any one article) should your party have to leave personal possessions in your vehicle, which is being recovered to the UK. This benefit will only apply if your trip is covered under an AA European Breakdown policy.
WHAT'S COVERED
- Loss or theft of or damage to your personal possessions, luggage or money.
- The extra expenses you may incur to replace your passport or travel documents, where they have been lost, stolen or damaged outside the UK.
- Replacing essential toiletries, medication and clothing, if your luggage is delayed for more than 12 hours, after arrival at your final outward destination.
- The extra expenses you may incur to hire business equipment following loss, theft or damage to your own equipment.
WHAT'S NOT COVERED
- The first £50 of each and every claim per event, per person, per section of cover.
- Unless you report the matter to the nearest police authority within 24 hours of discovering its occurrence, and you obtain a written police report, claims for:
- Loss of personal possessions worth over £100 or money to the value of £100 or more.
- Any theft of personal possessions or money.
- Damage to your personal possessions caused deliberately.
- Loss of, theft of or damage to:
- Personal possessions while in the custody of an airline, rail company, shipping line, bus or coach company, hotel or their agents unless you obtain a written report from them (known a Property Irregularity Report).
- High Risk Items or money not carried in your hand luggage (i.e. carried on or about your person) while in transit.
- Personal possessions or money in an unattended motor vehicle unless securely closed and locked with the items placed out of sight in a locked boot, luggage area or compartment and there is evidence of forcible or violent entry.
- Personal possessions or money in our accommodation unless the accommodation has been securely locked or items locked in a safe or safety deposit box, where this is reasonably practicable.
- Personal possessions or money left unattended in a place to which the public has or may obtain access.
- Traveller's cheques or credit/debit cards where the issuer provides a replacement service or where you have not complied with the issuer's instructions.
- Bonds, coupons, securities, stamps or documents except passports or money.
- Samples, merchandise or property used in connection with your business or trade, pets and livestock, aircraft or accessories, caravans, trailers, vehicles or accessories, household goods and domestic appliances, antiques, fine art, ski equipment (unless your policy schedule shows that you have Winter Sports cover), sports equipment when in use, boats and/or associated equipment, perishable goods, glass, china or any other brittle or fragile items.
Films, tapes, cassettes, cartridges or discs other than for their value as unused material unless purchased pre-recorded.
- Property shipped as freight or under a bill of lading.
- Loss or theft of personal possessions (other than tents or camping furniture, or cycles placed in a locked cycle rack) from roofracks or open-topped vehicles when your trip is covered by an AA European Breakdown policy.
- Any loss causing a shortage due to a mistake while exchanging currency or because the exchange rate has fallen and so your currency has lost value.
- Any loss or damage caused by the process of cleaning, repairing or by restoring, atmospheric or climatic conditions, moth or vermin, electrical or mechanical breakdown.
- Loss of or damage to dentures, hearing aids, contact or corneal lenses.
- Any loss due to delay, detention, confiscation, requisition or damage by Customs or other officials or authorities.
- See also pages 1416 General Exclusions.

SECTION 2
Cancellation
WHAT'S COVERED
We will pay you for all unused travel and accommodation costs (including excursion, car hire and other charges), which you have paid or are contracted to pay if it is necessary and unavoidable for you to cancel your trip before you leave your home or place of business, whichever is last, for one of the following reasons:
- You become ill, are injured or die and it is medically necessary for you to cancel your trip.
- A close relative or close business associate is ill, injured or dies.
- Any person with whom you had planned to stay or travel is ill, injured or dies.
- You or anyone you had planned to travel or stay with are:
- Confined to compulsory quarantine.
- Summoned for jury service.
- Called as a witness in a court of law.
- You or anyone you are travelling with are made involuntarily redundant (which qualifies for payment under current UK redundancy payment legislation) and there was no reason to believe this would happen when the policy was purchased or trip booked.
- You or anyone you are travelling with are unable to travel or are required to remain at home by the Police due to serious damage to your home or place of business in the UK caused by fire, aircraft, explosion, storm, flood, subsidence, earthquake, falling trees, burst pipes, lightning, malicious persons or theft.
- You or anyone you are travelling with are a member of the British Armed Forces, Police, Fire, Nursing or Ambulance services and authorised leave
The maximum amount we will pay per person is shown below:
Cancellation . . . . . . . . . . . . . . . . . . . . . . . . . . . .£5,000
is cancelled due to an unexpected emergency.
- Your passport or visa is stolen shortly before your booked departure date and there is insufficient time to obtain an emergency replacement.
- Within 7 days of your planned departure your pet:
- Becomes lost and is not found at least 48 hours prior to your departure.
- Dies as a result of accident or sudden illness.
- Requires emergency life-saving surgery as a result of accident or sudden illness.
WHAT'S NOT COVERED
- The first £50 (£10 for loss of deposit claims only) of each and every claim per event, per person, per section of cover.
- Any expenses which you can recover from elsewhere.
- Air Passenger Duty as this can be recovered direct from your tour operator or airline.
- Any claim caused as a result of your passport being stolen, unless you report the matter to the nearest police authority within 24 hours of discovering its occurrence, and you obtain a written police report.
- Any expenses resulting from changing your mind to travel or continue with your trip.
- Any expenses arising from any loss of enjoyment of your trip.
- Any extra expenses resulting from you not cancelling the trip as soon as reasonably possible.
- Any claim arising from circumstances or an event that you could reasonably foresee or were aware of at the time of buying this insurance or booking the trip, which you knew could lead to your trip being cancelled e.g. a serious medical condition of a close relative, business associate or travelling companion.
- Any claim caused directly or indirectly by pregnancy or childbirth if the end of your trip is within 12weeks of your expected delivery date, unless the trip was booked before you were aware that you were pregnant.
- Any claim arising from the illness of your pet, for which a routine vaccination is available and has not been given.
- Any claim arising from the death or illness of your pet due to a medical condition, which existed at the time you took out this insurance.
- Any claim arising if your pet's passport has expired or is lost, or if your pet fails to meet the necessary regulations and requirements to allow it to leave or re-enter the United Kingdom.
- Any claim arising in connection with a pet, other than as described above.
- See also pages 1416 General Exclusions.
SECTION 3
Curtailment
Please Note:
All curtailment claims must be authorised in advance by our 24 hour Emergency Assistance Service providers. If you do not contact them we may be unable to pay your claim.
- Payment for a claim for unused accommodation, travel or other costs will be on a pro rata basis dependent on the number of days of use lost and will be calculated from the date you return home. For example, if you curtail halfway thorough your trip, we will pay half of the amount you originally paid for the trip.
WHAT'S COVERED
We will pay you for all reasonable additional travel expenses and any unused travel and accommodation costs (including excursion, car hire and other charges), which you have paid or are contracted to pay, together with any reasonable extra travel expenses if it is necessary and unavoidable for you to urgently return to the UK for one of the following reasons:
- You become ill, are injured or die and it is medically necessary for you to return to the UK.
- A close relative or close business associate is ill, injured or dies.
- Anyone with whom you had planned to stay or travel is ill, injured or dies.
- You or anyone you had planned to travel or stay with are:
- Confined to compulsory quarantine.
- Summoned for jury service.
- Called as a witness in a court of law.
- You or anyone you are travelling with are required to return home by the Police due to serious damage to your home or
The maximum amount we will pay per person is shown below:
Curtailment . . . . . . . . . . . . . . . . . . . . . . . . . . . . .£5,000
place of business in the UK caused by fire, aircraft, explosion, storm, flood, subsidence, earthquake, falling trees, burst pipes, lighting, malicious persons or theft.
- You or anyone you are travelling with are kidnapped or held hostage as a result of the aircraft or other transport in which you are a passenger being hijacked.
- You or anyone you are travelling with are a member of the British Armed Forces, Police, Fire, Nursing or Ambulance services and authorised leave is cancelled due to an unexpected emergency.
- For any reason, stated above, we will also pay the necessary reasonable additional expenses incurred by you in making a direct journey to return and collect your vehicle from overseas.
WHAT'S NOT COVERED
- The first £50 of each and every claim per event, per person, per section of cover.
- Any curtailment expenses that are not authorised in advance by our 24 hour Emergency Assistance Service providers.
- Any expenses which you can recover from elsewhere.
- Any expenses resulting from changing your mind to continue with your trip.
- Any expenses arising from any loss of enjoyment of your trip.
- Any claim arising from circumstances or an event that you could reasonably foresee or were aware of at the time of buying this insurance or booking the trip, which you knew could lead to your trip being curtailed e.g. a serious medical condition of a close relative, business associate or travelling companion.
- Any claim caused directly or indirectly by pregnancy or childbirth if the end of your trip is within 12weeks of your expected delivery date.
- See also pages 1416 General Exclusions.

SECTION 5
Trip abandonment, delayed and missed departure
The maximum amount we will pay per person is shown below:
Delayed Departure . . . . . . . . . . . . . . . . . . . . . £100
Trip Abandonment . . . . . . . . . . . . . . . . . . . . .  £5,000
Missed Departure . . . . . . . . . . . . . . . . . . . . . .  £500
Please Note:
- You can only claim under one of the three covers in this section for any loss arising from one event.
- For trips solely within the UK, you are covered for Trip Abandonment and Missed Departure but there is no cover for Delayed Departure.
- If you are travelling abroad and have booked a UK domestic flight to enable you to reach your international departure point e.g. Jersey to London then Spain, Glasgow to Heathrow then to the USA, you would also be covered if they form part of your booked trip.
WHAT'S COVERED
Delayed Departure
We will pay £30 for the first full 12 hours and £10 for each following full 12 hours if your departure from or return to the UK is delayed by 12 hours or more from the departure time shown on your ticket because of:
- Strike or industrial dispute.
- Weather conditions affecting scheduled public transport.
- Mechanical breakdown of the aircraft, cross-channel train or sea vessel in or on which you are to travel.
Trip Abandonment
If your departure from the UK at the start of your trip is delayed for more than 12 hours from the departure time shown on your ticket from any of the causes above, you can choose to abandon your trip. You can then claim for all accommodation, travel, excursion, car hire, admission tickets, expenses which you have paid or are contracted to pay for the trip you have abandoned, that are not recoverable from elsewhere.
Missed Departure
We will pay reasonable additional travel and accommodation expenses, if you arrive late at your departure point from or to the UK and miss your booked departure time (as shown on your ticket) because of the following:
- You have an accident.
- Your transport breaks down.
- Your scheduled public transport fails to arrive or is delayed.
WHAT'S NOT COVERED
- The first £50 of each and every claim per event, per person, per section of cover for Trip abandonment claims. An excess is not payable for delayed or missed departure claims.
- Any claim arising from circumstances or an event that you could reasonably foresee or were aware of at the time of buying this insurance or booking the trip, which you know might cause your departure to be delayed or you to miss your departure e.g. road or rail works/maintenance, road/line closures.
- Any claim arising from strike or industrial action which had commenced or was announced at the time of buying this insurance or booking your trip.
- Any claim for delayed departure or trip abandonment which is the result of your failure to check-in at the departure airport, port or railway terminus at the time advised by your carrier.
- The withdrawal of an aircraft, cross-channel train or sea vessel from service (whether temporary or permanent) on the recommendation or order of any government, civil aviation authority, port authority, rail authority or other similar body in any country.
- Missed departure claims due to road traffic congestion or road closures where you:
- Have not left reasonable time to reach your departure point on time.
- Are not travelling by scheduled public transport.
- Expenses you can recover from elsewhere.
- See also pages 1416 General Exclusions.

SECTION 5
Trip abandonment, delayed and missed departure
The maximum amount we will pay per person is shown below:
Delayed Departure . . . . . . . . . . . . . . . . . . . . . £100
Trip Abandonment . . . . . . . . . . . . . . . . . . . . .  £5,000
Missed Departure . . . . . . . . . . . . . . . . . . . . . .  £500
Please Note:
- You can only claim under one of the three covers in this section for any loss arising from one event.
- For trips solely within the UK, you are covered for Trip Abandonment and Missed Departure but there is no cover for Delayed Departure.
- If you are travelling abroad and have booked a UK domestic flight to enable you to reach your international departure point e.g. Jersey to London then Spain, Glasgow to Heathrow then to the USA, you would also be covered if they form part of your booked trip.
WHAT'S COVERED
Delayed Departure
We will pay £30 for the first full 12 hours and £10 for each following full 12 hours if your departure from or return to the UK is delayed by 12 hours or more from the departure time shown on your ticket because of:
- Strike or industrial dispute.
- Weather conditions affecting scheduled public transport.
- Mechanical breakdown of the aircraft, cross-channel train or sea vessel in or on which you are to travel.
Trip Abandonment
If your departure from the UK at the start of your trip is delayed for more than 12 hours from the departure time shown on your ticket from any of the causes above, you can choose to abandon your trip. You can then claim for all accommodation, travel, excursion, car hire, admission tickets, expenses which you have paid or are contracted to pay for the trip you have abandoned, that are not recoverable from elsewhere.
Missed Departure
We will pay reasonable additional travel and accommodation expenses, if you arrive late at your departure point from or to the UK and miss your booked departure time (as shown on your ticket) because of the following:
- You have an accident.
- Your transport breaks down.
- Your scheduled public transport fails to arrive or is delayed.
WHAT'S NOT COVERED
- The first £50 of each and every claim per event, per person, per section of cover for Trip abandonment claims. An excess is not payable for delayed or missed departure claims.
- Any claim arising from circumstances or an event that you could reasonably foresee or were aware of at the time of buying this insurance or booking the trip, which you know might cause your departure to be delayed or you to miss your departure e.g. road or rail works/maintenance, road/line closures.
- Any claim arising from strike or industrial action which had commenced or was announced at the time of buying this insurance or booking your trip.
- Any claim for delayed departure or trip abandonment which is the result of your failure to check-in at the departure airport, port or railway terminus at the time advised by your carrier.
- The withdrawal of an aircraft, cross-channel train or sea vessel from service (whether temporary or permanent) on the recommendation or order of any government, civil aviation authority, port authority, rail authority or other similar body in any country.
- Missed departure claims due to road traffic congestion or road closures where you:
- Have not left reasonable time to reach your departure point on time.
- Are not travelling by scheduled public transport.
- Expenses you can recover from elsewhere.
- See also pages 1416 General Exclusions.

SECTION 5
Trip abandonment, delayed and missed departure
The maximum amount we will pay per person is shown below:
Delayed Departure . . . . . . . . . . . . . . . . . . . . . £100
Trip Abandonment . . . . . . . . . . . . . . . . . . . . .  £5,000
Missed Departure . . . . . . . . . . . . . . . . . . . . . .  £500
Please Note:
- You can only claim under one of the three covers in this section for any loss arising from one event.
- For trips solely within the UK, you are covered for Trip Abandonment and Missed Departure but there is no cover for Delayed Departure.
- If you are travelling abroad and have booked a UK domestic flight to enable you to reach your international departure point e.g. Jersey to London then Spain, Glasgow to Heathrow then to the USA, you would also be covered if they form part of your booked trip.
WHAT'S COVERED
Delayed Departure
We will pay £30 for the first full 12 hours and £10 for each following full 12 hours if your departure from or return to the UK is delayed by 12 hours or more from the departure time shown on your ticket because of:
- Strike or industrial dispute.
- Weather conditions affecting scheduled public transport.
- Mechanical breakdown of the aircraft, cross-channel train or sea vessel in or on which you are to travel.
Trip Abandonment
If your departure from the UK at the start of your trip is delayed for more than 12 hours from the departure time shown on your ticket from any of the causes above, you can choose to abandon your trip. You can then claim for all accommodation, travel, excursion, car hire, admission tickets, expenses which you have paid or are contracted to pay for the trip you have abandoned, that are not recoverable from elsewhere.
Missed Departure
We will pay reasonable additional travel and accommodation expenses, if you arrive late at your departure point from or to the UK and miss your booked departure time (as shown on your ticket) because of the following:
- You have an accident.
- Your transport breaks down.
- Your scheduled public transport fails to arrive or is delayed.
WHAT'S NOT COVERED
- The first £50 of each and every claim per event, per person, per section of cover for Trip abandonment claims. An excess is not payable for delayed or missed departure claims.
- Any claim arising from circumstances or an event that you could reasonably foresee or were aware of at the time of buying this insurance or booking the trip, which you know might cause your departure to be delayed or you to miss your departure e.g. road or rail works/maintenance, road/line closures.
- Any claim arising from strike or industrial action which had commenced or was announced at the time of buying this insurance or booking your trip.
- Any claim for delayed departure or trip abandonment which is the result of your failure to check-in at the departure airport, port or railway terminus at the time advised by your carrier.
- The withdrawal of an aircraft, cross-channel train or sea vessel from service (whether temporary or permanent) on the recommendation or order of any government, civil aviation authority, port authority, rail authority or other similar body in any country.
- Missed departure claims due to road traffic congestion or road closures where you:
- Have not left reasonable time to reach your departure point on time.
- Are not travelling by scheduled public transport.
- Expenses you can recover from elsewhere.
- See also pages 1416 General Exclusions.

SECTION 8
Personal liability
Personal Liability . . . . . . . . . . . . . . . . . . . . . .£2 million
Please Note: If you are using a mechanical or motorised vehicle, make sure that you have adequate third party insurance cover, as you are not covered under this insurance.
WHAT'S COVERED
If you are found legally liable to pay compensation for any claim or series of The maximum amount we will pay per event is shown below:
claims arising from one event happening during a trip which causes accidental:
- Bodily injury, illness or death to any person.
- Loss or damage to someone else's property.
We will pay:
- Legal costs and expenses recoverable by any person claiming against you as long as they were incurred before we agreed to settle the claim.
- Your costs and expenses incurred with our written consent.
If you die, we will pass the rights you had under this section onto your personal representative(s).
WHAT'S NOT COVERED
- Liability arising from any of the following:
- Injury or death to any person who is a relative, member of your household, travelling companion or working for you.
- Damage to property belonging or hired to you (except temporary rented holiday accommodation), a relative, member of your household, travelling companion or someone working for you.
- Liability arising out of, or from:
- Ownership, possession or use of any lift, horse drawn or mechanically propelled vehicle, aircraft or watercraft, other than a boat designed for and being used as accommodation and which is permanently moored, model aircraft, model watercraft, hand/foot propelled watercraft less than 5 metres long, surf/sail boards and domestic gardening equipment.
- Ownership, possession or use of animals (except cats, dogs and horses) or firearms.
- Your profession, business or employment.
- Actions between insured persons.
- Ownership of any land or building.
- Any agreement or contract which introduced liability that would not have existed otherwise.
- See also pages 1416 General Exclusions.

SECTION 11
Catastrophe
The maximum amount we will pay per person is shown below:
Catastrophe . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .£500
WHAT'S COVERED
- If during your trip you are forced to move from your pre-booked and pre-paid accommodation because one of the following events means you can no longer stay there:
- Fire, lightning, explosion, earthquake, storm, avalanche, tempest, hurricane, flood, medical epidemic.
We will pay the necessary extra travel and accommodation expenses to enable you to continue with your trip or return to the UK if your trip cannot be continued.
WHAT'S NOT COVERED
- Any expenses resulting from changing your mind to travel or continue with your trip when the local or national authorities confirm that it is acceptable to stay.
- Expenses recoverable from elsewhere.
- See also pages 1416 General Exclusions.

Other general exclusions applying to all sections of cover
We will not pay claims directly or indirectly arising from:
1. Participating in Excluded Activities.
Please refer to pages 10 and 11 of this booklet for a list of those activities which are not covered.
2. Your intentional self-injury, suicide or attempted suicide or exposing yourself to unnecessary danger (except in the attempt to save a human life).
3. The influence or effect of alcohol or drug(s) (unless prescribed by a healthcare specialist and taken according to his instructions), solvent/substance abuse or a sexually transmitted disease.
4 Your wilful, malicious, unlawful or criminal act.
5. Travelling or intending to travel to a country, specific area or event deemed unsafe by the Travel Advice Unit of the Foreign & Commonwealth Office where this information was public knowledge prior to booking and/or departing on your trip.
6. Consequential loss of any kind e.g. loss of earnings due to being unable to return to work following an injury or illness happening on a trip.
7. Any loss or damage to property in the UK or any expense or liability caused by such loss or damage or contributed to by:
- Ionising radiation or radioactive contamination from any nuclear fuel or waste.
- The radioactive, toxic, explosive or other dangerous properties of any nuclear equipment or its nuclear parts.
8. War, invasion, act of foreign enemy, hostilities (whether war is declared or not), civil war, rebellion, revolution, insurrection, military force, coup d'?t or Terrorist act.
Note: we will provide cover under Section 1 Medical Expenses, Section 7 Personal Accident and Section 10 Hi-jack for Terrorist Acts except those involving any nuclear weapon or device or chemical or biological agent.
9. Any restrictions caused by the law of any country.
10.Injury, illness, death, loss, theft or damage which is covered by another insurance. In these circumstances we will only pay our share of the claim.
This does not apply to the Personal Accident section of this policy.
11. Any claims brought against the AA, a tour operator, travel agent, carrier or their agents, a relative, member of your household, travelling companion or employee.
12. Any claims or costs caused by you jumping or moving from one balcony to another regardless of the height of the balcony, unless your life is in danger.

In the event of a claim for:
Medical and other expenses
You will need to:
Contact our 24 hour Emergency Assistance Service providers, unless you only need simple out-patient treatment, on:
From the USA and Canada Global Excel Management Inc Tollfree 1 877 298 3623 From the Caribbean and Mexico Global Excel Management Inc 1 819 566 2608 From anywhere else in the world Inter Group Assistance Services ++44 1252 740 360 From the United Kingdom Inter Group Assistance Services 01252 740 360 Lines are open 24 hours a day, 365 days a year (366 days in a leap year)
- Send us your original trip booking invoice(s) and travel documents showing the dates and times of travel.
- Send us medical evidence from the treating doctor to confirm the illness or injury and treatment given including hospital admission/discharge, if applicable.
- Send us all original receipts and account for all expenses.
- Pay the hospital, clinic or doctor for any routine or simple outpatient treatment and claim back relevant expenses when you return to the UK.
If the expenses are too much for you to pay or you think the treatment is excessive, please contact our Emergency Assistance Service providers for on the spot help and advice.
In the event of a claim for:
Cancellation
You will need to:
- Contact us as soon as you know that your trip might need to be cancelled.
- Inform the Tour Operator or Travel Agent where you booked your trip.
- If your claim is as a result of your passport being stolen, report the theft to the Police within 24 hours of discovery and ask them for a written Police report.
- If your claim is as a result of illness, injury or death a medical certificate will need to be completed by the treating doctor.
- If your claim results from any other circumstances, please provide evidence of these circumstances.
- Send us your original trip booking invoice(s) and travel documents showing the dates and times of travel.
- Send us the original cancellation invoice(s) detailing all cancellation charges incurred.
- Send us all original receipts and account for all expenses.
In the event of a claim for:
Curtailment
You will need to:
- Contact our 24 hour Emergency Assistance Service providers to authorise, in advance, any necessary expenses, if you need to curtail your trip.
- Send us your original trip booking invoice(s) and travel documents showing the dates and times of travel.
- Send us medical evidence from the treating doctor to confirm the illness or injury and treatment given if your trip is curtailed because of medical reasons.
- If your claim results from any other circumstances, please provide evidence of these circumstances.
- Send us all original receipts and account for all expenses.
In the event of a claim for:
Personal possessions
You will need to:
- Report theft or loss to the Police within 24 hours of discovery and ask them for a written Police report.
- If appropriate, you should also report the theft or loss to your courier or hotel/apartment manager and ask for a written report.
- Send us your original trip booking invoice(s) and travel documents showing the dates and times of travel.
- Send us all original receipts, vouchers or other suitable evidence of purchase/ownership/value for lost, stolen or damaged personal possessions.
- Send us all original receipts for replacing essential toiletries and clothing.
- Keep the confirmation from your bank or bureau de change for issuing foreign money, or suitable evidence for Sterling.
For loss or damage in transit claims, including delayed luggage:
- Ask the airline, rail company, shipping line or their handling agent for a 'Property Irregularity Report' form or similar before leaving the baggage reclaim area.
For all damage claims:
- Send us an estimate to repair the damage.
- Keep damaged items as we may want to inspect them.
If your passport is lost or destroyed:
- Send us written confirmation from the Consulate where the loss happened detailing the date of loss, notification of loss and replacement together with a written report from the police.
- Send us all original receipts for replacing your passport and account for all expenses.
In the event of a claim for:
Trip abandonment, delayed and missed departure You will need to:
Delayed Departure
- Send us original trip booking invoice(s) and travel documents showing dates and times of travel.
- Send us written confirmation from the airline, rail company, shipping line or their handling agent of the scheduled and actual departure times and why the departure was delayed.
Missed Departure
- Send us original trip booking invoice(s) and travel documents showing dates and times of travel.
- Send us a detailed account of the circumstances causing you to miss your departure together with supporting evidence.
- Send us all original receipts and account for all additional expenses.
Trip Abandonment
- Send us original trip booking invoice(s) and travel documents showing dates and times of travel.
- Send us written confirmation from the airline, rail company, shipping line or their handling agent of the scheduled and actual departure times, and why the departure was delayed.
In the event of a claim for:
Trip postponement
You will need to:
- Tell us immediately why you have to postpone the start of your trip.
- Send us original trip booking invoice(s) and travel documents showing dates and times of travel.
- Send us all original receipts and account for all additional expenses.
In the event of a claim for:
Personal accident
You will need to:
- Contact our 24 hour Emergency Assistance Service providers immediately.
- Send us original trip booking invoice(s) and travel documents showing dates and times of travel.
- Send us a detailed account of the circumstances surrounding the event (including photographs and video evidence if applicable).
- Send us medical evidence from the treating doctor to confirm injury and treatment given including hospital admission/discharge.
- Send us full details of any witnesses, providing written statements where available.
- Your legal personal representative should send us a certified copy of the Death Certificate, in the unfortunate event of death. Death benefit payments will be made to your legal personal representative.
In the event of a claim for:
Personal liability
You will need to:
- Send us original trip booking invoice(s) and travel documents showing dates and times of travel.
- Inform us as soon as you or your legal representatives are aware of a possible prosecution, inquest or fatal injury which might lead to a claim under this section.
Please do not negotiate, pay, settle, admit or deny any liability to any third party, without our written consent.
- Send us a detailed account of the circumstances surrounding the event (including photographs and video evidence if applicable).
- Send us any correspondence received from any third party.
Please note that you should not reply to any correspondence from a third party without our written consent.
- Send us full details of any witnesses, providing written statements where available.
In the event of a claim for:
Legal expenses
You will need to:
- Send us original trip booking invoice(s) and travel documents showing dates and times of travel.
- Send us a detailed account of the circumstances surrounding the event (including photographs and video evidence if applicable) within 180 days of the event causing your claim.
- Send us any correspondence received from any third party.
Please note that you should not reply to any correspondence from a third party without our written consent.
- Send us full details of any witnesses, providing written statements where available.
In the event of a claim for:
Hijack
You will need to:
- Send us original trip booking invoice(s) and travel documents showing dates and times of travel.
- Send us written evidence from an independent source to support your claim.
In the event of a claim for:
Catastrophe
You will need to:
- Send us original trip booking invoice(s) and travel documents showing dates and times of travel.
- Send us written confirmation from the local or national authority of where the catastrophe happens.
In the event of a claim for:
Ski equipment
You will need to:
- Send us original trip booking invoice(s) and travel documents showing dates and times of travel.
- Send us all hire receipts, tags and luggage labels.
- Send us a written report from your airline or other carrier if your equipment is delayed or misdirected.
- Report the theft or loss to the Police within 24 hours of discovery and send us a written Police report.
In the event of a claim for:
Ski pack
You will need to:
- Send us original trip booking invoice(s) and travel documents showing dates and times of travel.
- Send us medical evidence from the treating doctor to confirm the illness or injury and treatment given including hospital admission/discharge if applicable.
- Report the theft or loss to the Police within 24 hours of discovery and ask them for a written Police report.
- If appropriate, you should also report the theft or loss to your courier or hotel/apartment manager and ask for a written report.
In the event of a claim for:
Piste closure
You will need to:
- Send us original trip booking invoice(s) and travel documents showing dates and times of travel.
- Send us written confirmation from your tour operator, the local piste authority or ski lift operator confirming the reason for the closure and how long it lasted.

You must comply with the following conditions to have the full protection of this policy. If you do not, we have the option to cancel the policy, refuse to deal with your claim or reduce the amount of any claim payment.
Preventing injury, loss or damage
You must take all reasonable precautions to avoid any injury, illness, loss, theft or damage. Also, you must take all reasonable steps to safeguard your personal possessions, particularly High Risk Items and money from loss, theft or damage. You should always pack High Risk Items and money in your hand luggage, when you are travelling.
You should never carry more cash than you need with you or leave any High Risk Items or money unattended, unless they are locked in your accommodation or a safety deposit box.
Changes that may affect your cover
You must tell us as soon as possible if there are changes that may affect your insurance, such as the following:
- You change the address where you normally live.
- You want to add or remove people insured by this policy.
- You intend to travel outside the geographical limits of your policy, shown on your policy schedule.
Claims
You must:
- Tell the Police immediately or within 24 hours of loss or theft of property and provide us with a copy of the Police report to support your claim.
- Tell us within 31 days or as soon as possible thereafter about any event which may lead to a claim under this policy.
- Give us all the information and help we need and keep us up-to-date with any developments in your claim. If you are sent a writ, summons, claim or letter you must send it to us, unanswered, as soon as possible.
- Provide us with all information, evidence, details of household or medical insurance, medical certificates, proof of ownership, receipts, or any other documentation required by us at your expense.
Note: we may refuse to pay you for any expenses or losses for which you cannot provide receipts or bills.
- If a carrier (airline, railway or shipping company, etc.) loses or damages any of your luggage or personal possessions in their care, you must let them know immediately and get a copy of their report (known as a Property Irregularity Report).
- Keep any items that are damaged and send them to us if we ask at your expense.
You must not:
- Admit or deny any claim made against you or negotiate, pay or settle the claim without our written permission.
Fraud
You or any person acting for you must not make false claims. If you or anyone acting for you makes a claim knowing any part of it to be false, forged or exaggerated in any way, or if you deliberately cause the injury, loss or damage, we will not pay the claim and we will cancel your policy. We may also inform the Police of the circumstances.
Our rights
We may at our discretion:
- Take over the defence or settlement of any claim.
- Try to get recoveries or compensation from any other parties at any time in your name or in the name of anyone else claiming under this policy.
- Ask you to pay us back any amounts that we have paid to you which are not covered by this policy.
- If you claim for illness or injury, approach any healthcare specialist who may have treated you for up to three years before the claim.
- Arrange for you to be medically examined as often as required provided we give you reasonable notice.
- Request a post mortem examination of your body if you die.
Rights of third parties
A person or company who is not party to this policy has no right under the Contracts (Rights of Third Parties) Act 1999 to enforce any term of this policy. This does not affect any right or remedy of a third party which exists or is available under the Act.
Other insurance
If you have other insurance which covers the same loss, damage or liability, we will not pay more than our share of your claim.
This is not applicable to Personal Accident claims.
Please Note: If you have a no claims discount (NCD) on your household insurance policy, any contribution we seek from your household insurer should not affect your NCD.
If you have not paid your premium
If we do not receive any payment on or before its due date we may not pay any claim arising from an event which happened on or after that due date.
Cancelling your policy
We can cancel this policy by sending you seven days' written notice to your last known address.
You can cancel the policy by giving us seven days' notice in writing, as long as you have not taken any trips, made any claim or intend to make one. No refund of premium will be given except where the policy is cancelled during the 14 day "Money Back Guarantee" period (see page 4).