ACE Traveller - Standard

SECTION 4. MEDICAL AND ADDITIONAL EXPENSES (Maximum payable for any one Journey: £5,000,000 unless Medical Expenses result from Hazardous Activities or Extreme Activities, where the maximum payable for any one Journey is £1,000,000)
IMPORTANT: THIS IS NOT PRIVATE MEDICAL INSURANCE. IF YOU REQUIRE MEDICAL TREATMENT YOU MUST CONTACT ACE ASSISTANCE IMMEDIATELY. IF YOU DO NOT DO THIS, ACE MAY REJECT YOUR CLAIM OR REDUCE ITS PAYMENT.
IF YOU ARE TRAVELLING TO AUSTRALIA OR NEW ZEALAND YOU MUST REGISTER FOR TREATMENT UNDER THE NATIONAL MEDICARE OR EQUIVALENT SCHEME OF THOSE COUNTRIES. IF YOU DO NOT DO THIS, ACE MAY REJECT YOUR CLAIM OR REDUCE ITS PAYMENT.
ACE Assistance/Medical Emergency and Referral Services (see beginning of this Policy and Part II) You can call ACE Assistance for a range of medical related services when you're on a journey abroad: payment of bills, and repatriation in medical emergencies replacement of lost drugs or other essential medication, prescription glasses or contact lenses sourcing and delivery of compatible blood supplies transmission of urgent messages to relatives or business associates organisation of the return home of a child left unsupervised because you are in hospital or incapacitated the names and addresses of local doctors, hospitals, clinics and dentists for consultation or treatment to get a doctor to call The comments contained in this box are intended to draw your attention to significant issues. They do not, in any way, form part of the contract.
A. Cover If You are injured or become ill during a Journey, ACE will pay:
i. up to £5,000,000 (£1,000,000 for Medical Expenses resulting from Hazardous Activities or Extreme Activities) for any one Journey for medical, repatriation or travel expenses You incur, including emergency dental or optical expenses. Medical expenses must be for necessary hospital, surgical or other diagnostic treatment, given or prescribed by a Qualified Medical Practitioner, and include charges for staying in a hospital or nursing home.
Repatriation must be:
a) authorized by ACE Assistance;
b) necessary on medical grounds; and
c) to the United Kingdom, Isle of Man or the Channel Islands (if You are resident in the Channel Islands).
ii. costs for additional travel and hotel expenses including those for any one other person if You have to be accompanied on medical advice. These must be authorized in advance by ACE Assistance;
iii. if You die, up to £1,500:
a) for cremation or burial charges in the country in which You died; or
b) to transport Your body or ashes back to the United Kingdom, Isle of Man or the Channel Islands;
B. Exclusions (General Exclusions apply as well) ACE will not pay:
i. any amount recovered under a National Health Service reciprocal agreement.
ii. for any treatment not confirmed as medically necessary;
iii. any expenses incurred in a private hospital unless such expenses have been authorized in advance by ACE Assistance;
iv. any expenses incurred in Australia or New Zealand for treatment which is not available under the national Medicare or equivalent scheme unless such expenses have been authorized in advance by ACE Assistance;
v. any expenses incurred in Your country of residence;
vi. any additional travelling expenses not authorized by ACE Assistance if You have to return home earlier than planned or be repatriated from a Journey;
vii. for medical treatment that You travelled Abroad to obtain;
viii. for medication You are taking before and which You will have to continue taking during a Journey;
ix. for surgery, medical or preventative treatment which, in the opinion of the Qualified Medical Practitioner treating You and ACE Assistance, can be delayed until You return to the United Kingdom, Isle of Man or the Channel Islands;
x. more than £250 for any one Journey for emergency dental expenses, and then only provided that such expenses are incurred in providing the minimum treatment necessary to relieve pain and discomfort for the duration of the Journey;
xi. more than £150 for any one Journey for physiotherapy, chiropractics or osteopathy, and then only provided that such treatment is prescribed by a Qualified Medical Practitioner;
xii. for any expenses incurred for alternative or complementary medicines or treatment other than as provided for in Exclusion Bx. above;
xiii. any additional costs for single or private room accommodation;
xiv. for any expenses incurred more than 3 days after the date when, in the opinion of ACE Assistance, You are fit to be repatriated to the United Kingdom,Isle of Man or the Channel Islands.
xv. additional travel and hotel expenses incurred which have not been authorized in advance by ACE Assistance;
xvi. cremation or burial costs in the United Kingdom, Isle of Man or the Channel Islands;
xvii. the Excess, except where You have obtained a reduction in the cost of medical expenses in European Union countries by using form E111 or the European Health Insurance Card.
Please Note: All original receipts must be kept and provided to support a Claim.

SECTION 3. PERSONAL ACCIDENT (Maximum payable for any one Journey: £15,000)
DEFINITIONS
The following words and phrases will have the same special meaning in this Section wherever they appear in bold italic type and commence with a capital letter. Additional Definitions appear in Sections 6, 7 and 11 and General Definitions apply as well.
Bodily Injury injury that is caused only by an Accident and which independently of any other cause within 24 months of the date of the Accident directly results in death, Loss of Sight, Loss of Limb or Permanent Total Disability.
Loss of Limb amputation or total and permanent loss of use of one or more hands at or above the wrist or of one or more feet above the ankle (talo-tibial joint).
Loss of Sight loss of sight:
a. in both eyes when Your name has been added to the register of Blind Persons on the authority of a qualified ophthalmic specialist.
b. in one eye when the degree of sight remaining after correction is 3/60 or less on the Snellen Scale (i.e. You are only able to see at 3 feet that which You should normally be able to see at 60 feet) and ACE is satisfied that the condition is permanent and without expectation of recovery.
Permanent Total Disability a disability which has lasted for at least 12 months from which ACE believe You will never recover and which stops You from carrying out gainful employment of any and every kind.
A. Cover
If You receive a Bodily Injury during a Journey ACE will pay up to:
i. £15,000 for death; or
ii. £15,000 for Loss of Sight or Loss of Limb; or
iii. £15,000 for Permanent Total Disability;
for any one Journey.
B. Exclusions (General Exclusions apply as well) ACE will not pay:
i. more than £15,000 for Bodily Injury Due To one Accident;
ii. for Bodily Injury Due To:
a) a disease or any physical defect, injury or illness which existed before the Journey; or
b) Repetitive Stress (Strain) Injury or Syndrome or any gradually operating cause.

SECTION 5. HOSPITAL BENEFIT (Maximum payable for any one Journey: £200)
A. Cover
If You are a hospital in-patient during a Journey and have a Claim under Part III Section 5 MEDICAL AND ADDITIONAL EXPENSES , ACE will pay a benefit of £20 for each full 24 hours You spend in hospital up to a maximum of £200 for any one Journey.
B. Exclusions (General Exclusions apply as well)
ACE will not pay for time spent in an institution not recognised as a hospital in the country of treatment.

SECTION 4. MEDICAL AND ADDITIONAL EXPENSES (Maximum payable for any one Journey: £5,000,000 unless Medical Expenses result from Hazardous Activities or Extreme Activities, where the maximum payable for any one Journey is £1,000,000)
IMPORTANT: THIS IS NOT PRIVATE MEDICAL INSURANCE. IF YOU REQUIRE MEDICAL TREATMENT YOU MUST CONTACT ACE ASSISTANCE IMMEDIATELY. IF YOU DO NOT DO THIS, ACE MAY REJECT YOUR CLAIM OR REDUCE ITS PAYMENT.
IF YOU ARE TRAVELLING TO AUSTRALIA OR NEW ZEALAND YOU MUST REGISTER FOR TREATMENT UNDER THE NATIONAL MEDICARE OR EQUIVALENT SCHEME OF THOSE COUNTRIES. IF YOU DO NOT DO THIS, ACE MAY REJECT YOUR CLAIM OR REDUCE ITS PAYMENT.
A. Cover If You are injured or become ill during a Journey, ACE will pay:
i. up to £5,000,000 (£1,000,000 for Medical Expenses resulting from Hazardous Activities or Extreme Activities) for any one Journey for medical, repatriation or travel expenses You incur, including emergency dental or optical expenses.

SECTION 4. MEDICAL AND ADDITIONAL EXPENSES (Maximum payable for any one Journey: £5,000,000 unless Medical Expenses result from Hazardous Activities or Extreme Activities, where the maximum payable for any one Journey is £1,000,000)
IMPORTANT: THIS IS NOT PRIVATE MEDICAL INSURANCE. IF YOU REQUIRE MEDICAL TREATMENT YOU MUST CONTACT ACE ASSISTANCE IMMEDIATELY. IF YOU DO NOT DO THIS, ACE MAY REJECT YOUR CLAIM OR REDUCE ITS PAYMENT.
IF YOU ARE TRAVELLING TO AUSTRALIA OR NEW ZEALAND YOU MUST REGISTER FOR TREATMENT UNDER THE NATIONAL MEDICARE OR EQUIVALENT SCHEME OF THOSE COUNTRIES. IF YOU DO NOT DO THIS, ACE MAY REJECT YOUR CLAIM OR REDUCE ITS PAYMENT.
ACE Assistance/Medical Emergency and Referral Services (see beginning of this Policy and Part II) You can call ACE Assistance for a range of medical related services when you're on a journey abroad: payment of bills, and repatriation in medical emergencies replacement of lost drugs or other essential medication, prescription glasses or contact lenses sourcing and delivery of compatible blood supplies transmission of urgent messages to relatives or business associates organisation of the return home of a child left unsupervised because you are in hospital or incapacitated the names and addresses of local doctors, hospitals, clinics and dentists for consultation or treatment to get a doctor to call The comments contained in this box are intended to draw your attention to significant issues. They do not, in any way, form part of the contract.
A. Cover If You are injured or become ill during a Journey, ACE will pay:
i. up to £5,000,000 (£1,000,000 for Medical Expenses resulting from Hazardous Activities or Extreme Activities) for any one Journey for medical, repatriation or travel expenses You incur, including emergency dental or optical expenses. Medical expenses must be for necessary hospital, surgical or other diagnostic treatment, given or prescribed by a Qualified Medical Practitioner, and include charges for staying in a hospital or nursing home.
Repatriation must be:
a) authorized by ACE Assistance;
b) necessary on medical grounds; and
c) to the United Kingdom, Isle of Man or the Channel Islands (if You are resident in the Channel Islands).
ii. costs for additional travel and hotel expenses including those for any one other person if You have to be accompanied on medical advice. These must be authorized in advance by ACE Assistance;
iii. if You die, up to £1,500:
a) for cremation or burial charges in the country in which You died; or
b) to transport Your body or ashes back to the United Kingdom, Isle of Man or the Channel Islands;

SECTION 4. MEDICAL AND ADDITIONAL EXPENSES (Maximum payable for any one Journey: £5,000,000 unless Medical Expenses result from Hazardous Activities or Extreme Activities, where the maximum payable for any one Journey is £1,000,000)
IMPORTANT: THIS IS NOT PRIVATE MEDICAL INSURANCE. IF YOU REQUIRE MEDICAL TREATMENT YOU MUST CONTACT ACE ASSISTANCE IMMEDIATELY. IF YOU DO NOT DO THIS, ACE MAY REJECT YOUR CLAIM OR REDUCE ITS PAYMENT.
IF YOU ARE TRAVELLING TO AUSTRALIA OR NEW ZEALAND YOU MUST REGISTER FOR TREATMENT UNDER THE NATIONAL MEDICARE OR EQUIVALENT SCHEME OF THOSE COUNTRIES. IF YOU DO NOT DO THIS, ACE MAY REJECT YOUR CLAIM OR REDUCE ITS PAYMENT.
ACE Assistance/Medical Emergency and Referral Services (see beginning of this Policy and Part II) You can call ACE Assistance for a range of medical related services when you're on a journey abroad: payment of bills, and repatriation in medical emergencies replacement of lost drugs or other essential medication, prescription glasses or contact lenses sourcing and delivery of compatible blood supplies transmission of urgent messages to relatives or business associates organisation of the return home of a child left unsupervised because you are in hospital or incapacitated the names and addresses of local doctors, hospitals, clinics and dentists for consultation or treatment to get a doctor to call The comments contained in this box are intended to draw your attention to significant issues. They do not, in any way, form part of the contract.
A. Cover If You are injured or become ill during a Journey, ACE will pay:
i. up to £5,000,000 (£1,000,000 for Medical Expenses resulting from Hazardous Activities or Extreme Activities) for any one Journey for medical, repatriation or travel expenses You incur, including emergency dental or optical expenses. Medical expenses must be for necessary hospital, surgical or other diagnostic treatment, given or prescribed by a Qualified Medical Practitioner, and include charges for staying in a hospital or nursing home.
Repatriation must be:
a) authorized by ACE Assistance;
b) necessary on medical grounds; and
c) to the United Kingdom, Isle of Man or the Channel Islands (if You are resident in the Channel Islands).
ii. costs for additional travel and hotel expenses including those for any one other person if You have to be accompanied on medical advice. These must be authorized in advance by ACE Assistance;
iii. if You die, up to £1,500:
a) for cremation or burial charges in the country in which You died; or
b) to transport Your body or ashes back to the United Kingdom, Isle of Man or the Channel Islands;

SECTION 7. MONEY (Maximum payable for any one Journey: £200)
NOT COVERED ON BUDGET OPTION
ACE Assistance (see Part II of this Policy)
You can call ACE Assistance/Personal Assistance to:
transfer emergency funds up to £250 (you must make arrangements to repay any money transferred).
advise you on how to inform your credit or charge Card Issuers if your cards are lost or stolen. (Data Protection legislation prevents ACE Assistance from contacting the Card Issuers directly.)
help replace lost or stolen tickets or travel documents.
Note: These are non-insured facilitation services making use of ACE Assistance's wide experience and contacts. Any costs incurred must be reimbursed to ACE Assistance unless they form part of a successful claim under this Section of the Policy.
The comments contained in this box are intended to draw your attention to significant issues. They do not, in any way, form part of the contract.
DEFINITIONS
The following word will have the same special meaning in this section wherever it appears in bold italic type and commences with a capital letter. Additional Definitions appear in Sections 3, 6 and 11 and General Definitions apply as well.
Money coins, banknotes, traveller's cheques, postal or money orders, travel tickets and pre-paid vouchers, and credit cards.
A. Cover ACE will pay up to £200 for any one Journey if Money which is held by You for Your personal use is lost or stolen during the Journey whilst:
i. being carried by You; or
ii. left in a safety deposit box.
B. Exclusions (General Exclusions apply as well) ACE will not pay:
i. the Excess;
ii. for delay, detention, seizure or confiscation by customs or other officials;
iii. unless a loss or theft is reported to the Police (and the hotel management if the loss or theft occurs in a hotel) within 24 hours of discovery and ACE is provided with a copy of the original written Police report and report to the hotel management as applicable;
iv. more for the loss or theft of sterling than the amount allowed by appropriate United Kingdom, Isle of Man, or Channel Islands currency regulations;
v. for traveller's cheques:
a) unless the loss or theft is reported immediately to the local branch or agent of the issuing company; or
b) if the issuing company provides a replacement service;
vi. for depreciation in value or shortage due to any error or omission.

A. Transfer of Emergency Funds
transfer of emergency funds up to £250 per trip if access to normal financial/ banking arrangements is not available locally. In order to reimburse ACE Assistance, You must authorize ACE Assistance to debit Your credit or charge card with the amount of the transfer, or make alternative arrangements to deposit the funds in ACE Assistance's account in the UK. If the emergency transfer is necessitated by theft or loss of personal money, a Claim may be made under the Policy.

SECTION 11. OVERSEAS LEGAL ADVICE & EXPENSES (Maximum payable £10,000)
ACE Assistance (see Part II of this Policy)
You can call ACE Assistance/Personal Assistance to help you:
- get legal advice from a local English-speaking lawyer, Embassy or Consulate.
- pay reasonable emergency legal expenses or bail (against your guarantee of repayment).
Note: These are non-insured facilitation services making use of ACE Assistance's wide experience and contacts. Any costs incurred must be reimbursed to ACE Assistance.
The comments contained in this box are intended to draw your attention to significant issues. They do not, in any way, form part of the contract.
DEFINITIONS
The following words and phrases will have the same special meaning in this Section wherever they appear in bold italic type and commence with a capital letter. Additional Definitions appear in Sections 3, 6 and 7 and General Definitions apply as well.
Legal Expenses
a) fees, expenses, costs/expenses of expert witnesses and other disbursements reasonably incurred by the Legal Representatives in pursuing a claim or legal proceedings for damages and/or compensation against a third party who has caused accidental bodily injury or illness to You or in appealing or resisting an appeal against the judgment of a court, tribunal or arbitrator.
b) costs for which You are legally liable following an award of costs by any court or tribunal or an out of court settlement made in connection with any claim or legal proceedings.
Legal Representatives the solicitor, firm of solicitors, lawyer, advocate or other appropriately qualified person firm or company appointed to act on Your behalf.
Any One Claim all claims or legal proceedings including any appeal against judgment consequent upon the same original cause, event or circumstance.
A. Cover
If during a Journey You sustain bodily injury or illness which is caused by a third party ACE will pay up to a benefit amount of £10,000 to cover Legal Expenses arising out of Any One Claim.
B. Exclusions (General Exclusions apply as well) In respect of each Claim under this insurance ACE will not pay for:
i. any Claim reported to ACE more than 24 months after the beginning of the incident which led to the Claim;
ii. any Claim where it is ACE's opinion that the prospects for success in achieving a reasonable settlement are insufficient and/or where the laws, practices and/or financial regulations of the country in which the incident occurred would preclude the obtaining of a satisfactory settlement or the costs of doing so would be disproportionate to the value of the Claim;
iii. Legal Expenses incurred before receiving ACE's prior authorization in writing unless such costs would have been incurred subsequent to ACE's authorization;
iv. Legal Expenses incurred in connection with any criminal or wilful act;
v. Legal Expenses incurred in the defence against any civil claim or legal proceedings made or brought against You unless as a counter claim;
vi. Fines, penalties compensation or damages imposed by a court or other authority;
vii. Legal Expenses incurred for any claim or legal proceedings brought against:
a) a tour operator, travel agent, carrier, insurer or their agents where the subject matter of the claim or legal proceedings is eligible for consideration under an Arbitration Scheme or Complaint Procedure;
b) ACE or their agents; or
c) Your employer;
viii. actions between persons insured under an ACE Traveller Insurance Policy or pursued in order to obtain satisfaction of a judgement or legally binding decision;
ix. Legal Expenses incurred in pursuing any claim for compensation (either individually or as a member of a group or class action) against the manufacturer, distributor or supplier of any drug, medication or medicine;
x. Legal Expenses chargeable by the Legal Representatives under contingency fee arrangements;
xi. Legal Expenses incurred where You have:
a) failed to co-operate fully with and ensure that ACE is fully informed at all times in connection with any claim or legal proceedings for damages and or compensation from a third party; or
b) settled or withdrawn a Claim in connection with any claim or legal proceedings for damages and or compensation from a third party without the agreement of ACE.
In such circumstances ACE shall be entitled to withdraw cover immediately and to recover any fees or expenses paid;
xii. Legal Expenses incurred after You have not:
a) accepted an offer from a third party to settle a claim or legal proceedings where the offer is considered reasonable by ACE; or
b) accepted an offer from ACE to settle a Claim;
xiii. Legal Expenses which ACE considers unreasonable or excessive or unreasonably incurred;
C. SPECIAL CONDITIONS APPLICABLE TO THIS SECTION
i. Legal Representatives must be qualified to practise in the Courts of the country where the event giving rise to the Claim occurred or where the proposed defendant under this Section is resident.
ii. ACE shall at all times have complete control over the legal proceedings.
Outside the European Union, the selection, appointment and control of Legal Representatives shall rest with ACE.
Within the European Union, You do not have to accept the Legal Representatives chosen by ACE.
You have the right to select and appoint Legal Representatives after legal proceedings have commenced subject to ACE's agreement to the Legal Representatives' fee or charging rates. If there is a disagreement over this choice of Legal Representatives You can propose Legal Representatives by sending ACE the proposed Legal Representatives' name and address. ACE may choose not to accept Your proposal but only on reasonable grounds. ACE may ask the ruling body for Legal Representatives to nominate alternative Legal Representatives. In the meantime, ACE may appoint Legal Representatives to protect Your interests.
iii. You and the Legal Representatives must co-operate fully with and ensure that ACE is fully informed at all times in connection with any claim or legal proceedings for damages and or compensation from a third party. ACE is entitled to obtain from the Legal Representatives any information, document or advice relating to a claim or legal proceedings under this Insurance. On request You will give to the Legal Representatives any instructions necessary to ensure such access.
iv. ACE's authorization to incur Legal Expenses will be given if You can satisfy ACE that:
a. there are reasonable grounds for pursuing or defending the claim or legal proceedings and the Legal Expenses will be proportionate to the value of the claim or legal proceedings; and
b. it is reasonable for Legal Expenses to be provided in a particular case.
The decision to grant authorization will take into account the opinion of the Legal Representatives as well as that of ACE's own advisers. If there is a dispute, ACE may request, at Your expense, an opinion of a barrister as to the merits of the claim or legal proceedings. If the Claim is admitted, Your costs in obtaining this opinion will be covered by this Insurance.
v. If there is any dispute, other than in respect of the admissibility of a Claim on which ACE's decision is final, the dispute will be referred to a single arbitrator who will be either a solicitor or barrister agreed by all parties, or failing agreement, one who is nominated by the current President of the appropriate Law Society. The party against whom the decision is made shall meet the costs of the arbitration in full. If the decision is not clearly made against either party the arbitrator shall have the power to apportion costs. If the decision is made in favour of ACE, Your costs shall not be recoverable under the Insurance.
vi. ACE may at its discretion assume control at any time of any claim or legal proceedings in Your name for damages and or compensation from a third party.
vii. All Claims within this section must be submitted to ACE in writing within 90 days.
viii. Any Legal Expenses incurred without the written agreement of ACE shall entitle ACE to withdraw cover immediately and to recover any fees or expenses paid to You.
ix. ACE may at its discretion require You to obtain at Your expense an opinion of a barrister agreed by You and ACE as to whether or not there are reasonable grounds for continuing to pursue or defend any claim or legal proceedings. ACE will pay such expense if the opinion indicates that there are reasonable grounds for pursuing or defending the claim or legal proceedings.
x. ACE may at its discretion offer to settle a counter-claim against You which it considers to be reasonable instead of continuing any claim or legal proceedings for damages and/or compensation by a third party.
xi. You shall be responsible for the repayment to ACE of all sums paid by ACE in respect of the Legal Expenses where:
a. an award of costs is made in Your favour in the claim or legal proceedings; or
b. costs are agreed to be paid to You as part of any settlement of the claim or legal proceedings.
xii. If a conflict of interest arises, where ACE are also the insurers of the third party or proposed defendant to the claim or legal proceedings, You have the right to select and appoint other Legal Representatives in accordance with the terms of this Insurance.
xiii. If at Your request Legal Representatives cease to continue acting for You ACE shall be entitled to withdraw cover immediately or agree with You to appoint other Legal Representatives in accordance with the terms of this Insurance.

SECTION 8. LOSS OF PASSPORT/DRIVING LICENCE EXPENSES (Maximum payable for any one Journey: £200)
ACE Assistance (see Part II of this Policy)
You can call ACE Assistance/Personal Assistance to help you replace a lost or stolen passport.
Note: This is a non-insured facilitation service making use of ACE Assistance's wide experience and contacts. Any costs incurred must be reimbursed to ACE Assistance unless they form part of a successful Claim under this Section of the Policy.
The comments contained in this box are intended to draw your attention to significant issues. They do not, in any way, form part of the contract.
A. Cover ACE will pay up to £200 for any one Journey to cover additional travel and accommodation costs incurred by You during the Journey to obtain a new passport or driving licence following the loss or theft of Your original documents during the Journey.
B. Exclusions (General Exclusions apply as well)
ACE will not pay:
i. for delay, detention, seizure or confiscation by customs or other officials;
ii. unless a loss or theft is reported to the Police (and the hotel management if the loss or theft occurs in a hotel) within 24 hours of discovery and ACE is provided with a copy of the original written Police report and report to the hotel management as applicable;
iii. for a passport or driving licence stolen from an unattended vehicle, unless it was in the locked boot of the vehicle or in the luggage space at the rear of a locked estate car or hatchback under a top cover and out of view, and there is evidence of forced entry.

SECTION 8. LOSS OF PASSPORT/DRIVING LICENCE EXPENSES (Maximum payable for any one Journey: £200)
ACE Assistance (see Part II of this Policy)
You can call ACE Assistance/Personal Assistance to help you replace a lost or stolen passport.
Note: This is a non-insured facilitation service making use of ACE Assistance's wide experience and contacts. Any costs incurred must be reimbursed to ACE Assistance unless they form part of a successful Claim under this Section of the Policy.
The comments contained in this box are intended to draw your attention to significant issues. They do not, in any way, form part of the contract.
A. Cover ACE will pay up to £200 for any one Journey to cover additional travel and accommodation costs incurred by You during the Journey to obtain a new passport or driving licence following the loss or theft of Your original documents during the Journey.
B. Exclusions (General Exclusions apply as well)
ACE will not pay:
i. for delay, detention, seizure or confiscation by customs or other officials;
ii. unless a loss or theft is reported to the Police (and the hotel management if the loss or theft occurs in a hotel) within 24 hours of discovery and ACE is provided with a copy of the original written Police report and report to the hotel management as applicable;
iii. for a passport or driving licence stolen from an unattended vehicle, unless it was in the locked boot of the vehicle or in the luggage space at the rear of a locked estate car or hatchback under a top cover and out of view, and there is evidence of forced entry.

SECTION 12. MUGGING (Maximum payable for any one Journey: £500)
A. Cover
If You are a hospital in-patient during a Journey as a result of being mugged or attacked and sustain actual bodily injury, ACE will pay an additional £50 per day, subject to a maximum of £500 for any one Journey, for each 24 hours You spend in hospital, provided the incident was reported to the Police within 24 hours.
B. Exclusions (General Exclusions apply as well)
ACE will not pay:
- if the mugger or attacker is known to You.

SECTION 9. HIJACK (Maximum payable for any one Journey: £500)
A. Cover If You are held hostage by Hijackers during a Journey, ACE will pay a benefit of £50 for each full 24 hours You are held hostage up to a maximum benefit of £500 for any one Journey.
B. Exclusions (see General Exclusions)

If You want to return to the United Kingdom, Isle of Man or the Channel Islands during Your Journey for any reason that is not Due To a Claim, cover under this Policy, other than under Part III Section 1. Cancellation, Curtailment and Rearrangement, will be suspended from the time that You arrive at Your destination in the United Kingdom, Isle of Man or the Channel Islands, or 24 hours after You arrive in the United Kingdom, Isle of Man or the Channel Islands, whichever is earlier.
Cover under all Sections will resume when You leave Your final destination in the United Kingdom, Isle of Man or the Channel Islands to return to Your temporary place of residence Abroad.
Please note: You will not be covered for any costs incurred in returning to the United Kingdom, Isle of Man or the Channel Islands or to Your temporary place of residence Abroad.

SECTION 4. MEDICAL AND ADDITIONAL EXPENSES (Maximum payable for any one Journey: £5,000,000 unless Medical Expenses result from Hazardous Activities or Extreme Activities, where the maximum payable for any one Journey is £1,000,000)
IMPORTANT: THIS IS NOT PRIVATE MEDICAL INSURANCE. IF YOU REQUIRE MEDICAL TREATMENT YOU MUST CONTACT ACE ASSISTANCE IMMEDIATELY. IF YOU DO NOT DO THIS, ACE MAY REJECT YOUR CLAIM OR REDUCE ITS PAYMENT.
IF YOU ARE TRAVELLING TO AUSTRALIA OR NEW ZEALAND YOU MUST REGISTER FOR TREATMENT UNDER THE NATIONAL MEDICARE OR EQUIVALENT SCHEME OF THOSE COUNTRIES. IF YOU DO NOT DO THIS, ACE MAY REJECT YOUR CLAIM OR REDUCE ITS PAYMENT.
ACE Assistance/Medical Emergency and Referral Services (see beginning of this Policy and Part II) You can call ACE Assistance for a range of medical related services when you're on a journey abroad: payment of bills, and repatriation in medical emergencies replacement of lost drugs or other essential medication, prescription glasses or contact lenses sourcing and delivery of compatible blood supplies transmission of urgent messages to relatives or business associates organisation of the return home of a child left unsupervised because you are in hospital or incapacitated the names and addresses of local doctors, hospitals, clinics and dentists for consultation or treatment to get a doctor to call The comments contained in this box are intended to draw your attention to significant issues. They do not, in any way, form part of the contract.
A. Cover If You are injured or become ill during a Journey, ACE will pay:
i. up to £5,000,000 (£1,000,000 for Medical Expenses resulting from Hazardous Activities or Extreme Activities) for any one Journey for medical, repatriation or travel expenses You incur, including emergency dental or optical expenses. Medical expenses must be for necessary hospital, surgical or other diagnostic treatment, given or prescribed by a Qualified Medical Practitioner, and include charges for staying in a hospital or nursing home.
Repatriation must be:
a) authorized by ACE Assistance;
b) necessary on medical grounds; and
c) to the United Kingdom, Isle of Man or the Channel Islands (if You are resident in the Channel Islands).

Repair and Replacement Costs
cost of repairing partially damaged property, or, if property is totally lost or destroyed or uneconomical to repair, the cost of replacing property as new less a deduction for wear, tear or depreciation. (Note: ACE will pay a reasonable proportion of the total value of a set or pair to repair or replace an item that is part of a set or pair.)

SECTION 6. PERSONAL PROPERTY (Maximum payable for any one Journey: £1,000)
NOT COVERED UNDER BUDGET OPTION
ACE Assistance/Personal Assistance (see Part II of this Policy)
You can call ACE Assistance/Personal Assistance to help you trace
Personal Property that has been lost or misdirected by a Carrier - and get it re-delivered to you if it is found.
Note: This is a non-insured facilitation service making use of ACE Assistance's wide experience and contacts. Any costs incurred must be reimbursed to ACE Assistance unless they form part of a successful claim under this Section of the Policy.
The comments contained in this box are intended to draw your attention to significant issues. They do not, in any way, form part of the contract.
DEFINITIONS
The following words and phrases will have the same special meaning in this Section wherever they appear in bold italic type and commence with a capital letter. Additional Definitions appear in Sections 3, 7 and 11 and General Definitions apply as well.
Personal Property
suitcase, trunk or container of a similar kind and its contents, and any article worn or carried by You that is not excluded under B. Exclusions.
Repair and Replacement Costs
cost of repairing partially damaged property, or, if property is totally lost or destroyed or uneconomical to repair, the cost of replacing property as new less a deduction for wear, tear or depreciation. (Note: ACE will pay a reasonable proportion of the total value of a set or pair to repair or replace an item that is part of a set or pair.)
Unattended
away from You where You are unable clearly to see or get hold of Your Personal Property.
Valuables
all photographic, computer, digital, optical, audio, communication and video equipment and media, memory cards and key drives, computer games equipment and peripherals, sports and leisure equipment, telescopes and binoculars, jewellery, watches, furs, precious and semi-precious stones and articles made of or containing gold, silver or other precious metals.
A. Cover
i. If Personal Property is lost, damaged or stolen during a Journey, ACE will pay Repair and Replacement Costs up to £1,000 for any one Journey.
ii. ACE will also reimburse the cost of essential items of clothing and toiletry requisites up to £100 for any one Journey that You have to purchase because Personal Property is lost or misplaced by an airline or other Carrier.
B. Exclusions (General Exclusions apply as well)
i. ACE will not pay
a) the Excess;
b) more than £150 for a single item, pair or set, or part of a pair or set;
c) more than £150 for golf clubs, bags and accessories;
d) more than £150 for Valuables in total and will only pay if the Valuables are attended by You or are in a safety deposit box at the time they are lost, damaged or stolen;
e) unless a loss or theft is reported to the Police (and the hotel management if the loss or theft occurs in a hotel) within 24 hours of discovery and ACE is provided with a copy of the original written Police report and report to the hotel management as applicable;
f) for loss of or damage to:
i. Personal Property more specifically insured or recoverable under any other insurance policy;
ii. Personal Property left Unattended in a public place;
iii. Personal Property left in an unattended vehicle:
i. unless it was in the locked boot of the vehicle or in the luggage space at the rear of a locked estate car or hatchback under a top cover and out of view, and there is evidence of forced entry;
ii. between the hours of 2200 and 0800;
iv. Personal Property in the custody of an airline or other Carrier unless the loss or damage is reported in writing to the airline or other Carrier within 24 hours of discovery and ACE is provided with a copy of the original written airline or Carrier report;
v. Personal Property Due To leaking powder or fluid carried within Your luggage;
vi. household goods, contact or corneal lenses, sunglasses (including prescription sunglasses), dentures, hearing aids, samples or merchandise, bonds, securities or documents of any kind;
vii. antiques, musical instruments, pictures, typewriters, mobile or portable telephones, PDAs, personal organisers, and the like, laptops, electronic navigation equipment, televisions, sports equipment whilst being used (except for ski equipment), vehicles or their accessories, watercraft and ancillary equipment, glass, china or similar fragile items, perishables (i.e. items that can decay or rot and will not last for long, e.g. foodstuffs) and pedal cycles; or
viii. jewellery (other than wedding rings) whilst engaging in General Sports and Recreational Activities, Hazardous or Extreme Activities:
g) for depreciation in value, normal wear and tear, denting or scratching, damage by moth or vermin, electrical, electronic or mechanical derangement, or damage due to atmospheric or climatic conditions;
h) for delay, detention, seizure or confiscation by customs or other officials.
ii. ACE will not pay
a) unless ACE is provided with original written confirmation from the Carrier or tour representative that the lost or misplaced Personal Property was delayed for at least 12 hours after You arrived at Your destination;
b) for Personal Property lost or misplaced on a Journey returning You to the United Kingdom, Isle of Man or the Channel Islands.
Please Note: Your Personal Property is at risk if it is left Unattended at airports, railway stations, on trains and beaches etc.
Please ensure that You take proper care of Your Personal Property, otherwise ACE may not pay for Your loss.

SECTION 6. PERSONAL PROPERTY (Maximum payable for any one Journey: £1,000)
NOT COVERED UNDER BUDGET OPTION
ACE Assistance/Personal Assistance (see Part II of this Policy)
You can call ACE Assistance/Personal Assistance to help you trace
Personal Property that has been lost or misdirected by a Carrier - and get it re-delivered to you if it is found.
Note: This is a non-insured facilitation service making use of ACE Assistance's wide experience and contacts. Any costs incurred must be reimbursed to ACE Assistance unless they form part of a successful claim under this Section of the Policy.
The comments contained in this box are intended to draw your attention to significant issues. They do not, in any way, form part of the contract.
DEFINITIONS
The following words and phrases will have the same special meaning in this Section wherever they appear in bold italic type and commence with a capital letter. Additional Definitions appear in Sections 3, 7 and 11 and General Definitions apply as well.
Personal Property
suitcase, trunk or container of a similar kind and its contents, and any article worn or carried by You that is not excluded under B. Exclusions.
Repair and Replacement Costs
cost of repairing partially damaged property, or, if property is totally lost or destroyed or uneconomical to repair, the cost of replacing property as new less a deduction for wear, tear or depreciation. (Note: ACE will pay a reasonable proportion of the total value of a set or pair to repair or replace an item that is part of a set or pair.)
Unattended
away from You where You are unable clearly to see or get hold of Your Personal Property.
Valuables
all photographic, computer, digital, optical, audio, communication and video equipment and media, memory cards and key drives, computer games equipment and peripherals, sports and leisure equipment, telescopes and binoculars, jewellery, watches, furs, precious and semi-precious stones and articles made of or containing gold, silver or other precious metals.
A. Cover
i. If Personal Property is lost, damaged or stolen during a Journey , ACE will pay Repair and Replacement Costs up to £1,000 for any one Journey.
ii. ACE will also reimburse the cost of essential items of clothing and toiletry requisites up to £100 for any one Journey that You have to purchase because Personal Property is lost or misplaced by an airline or other Carrier.
B. Exclusions (General Exclusions apply as well)
i. ACE will not pay
a) the Excess;
b) more than £150 for a single item, pair or set, or part of a pair or set;
c) more than £150 for golf clubs, bags and accessories;
d) more than £150 for Valuables in total and will only pay if the Valuables are attended by You or are in a safety deposit box at the time they are lost, damaged or stolen;
e) unless a loss or theft is reported to the Police (and the hotel management if the loss or theft occurs in a hotel) within 24 hours of discovery and ACE is provided with a copy of the original written Police report and report to the hotel management as applicable;
f) for loss of or damage to:
i. Personal Property more specifically insured or recoverable under any other insurance policy;
ii. Personal Property left Unattended in a public place;
iii. Personal Property left in an unattended vehicle:
i. unless it was in the locked boot of the vehicle or in the luggage space at the rear of a locked estate car or hatchback under a top cover and out of view, and there is evidence of forced entry;
ii. between the hours of 2200 and 0800;
iv. Personal Property in the custody of an airline or other Carrier unless the loss or damage is reported in writing to the airline or other Carrier within 24 hours of discovery and ACE is provided with a copy of the original written airline or Carrier report;
v. Personal Property Due To leaking powder or fluid carried within Your luggage;
vi. household goods, contact or corneal lenses, sunglasses (including prescription sunglasses), dentures, hearing aids, samples or merchandise, bonds, securities or documents of any kind;
vii. antiques, musical instruments, pictures, typewriters, mobile or portable telephones, PDAs, personal organisers, and the like, laptops, electronic navigation equipment, televisions, sports equipment whilst being used (except for ski equipment), vehicles or their accessories, watercraft and ancillary equipment, glass, china or similar fragile items, perishables (i.e. items that can decay or rot and will not last for long, e.g. foodstuffs) and pedal cycles; or
viii. jewellery (other than wedding rings) whilst engaging in General Sports and Recreational Activities, Hazardous or Extreme Activities:
g) for depreciation in value, normal wear and tear, denting or scratching, damage by moth or vermin, electrical, electronic or mechanical derangement, or damage due to atmospheric or climatic conditions;
h) for delay, detention, seizure or confiscation by customs or other officials.
ii. ACE will not pay
a) unless ACE is provided with original written confirmation from the Carrier or tour representative that the lost or misplaced Personal Property was delayed for at least 12 hours after You arrived at Your destination;
b) for Personal Property lost or misplaced on a Journey returning You to the United Kingdom, Isle of Man or the Channel Islands.
Please Note: Your Personal Property is at risk if it is left Unattended at airports, railway stations, on trains and beaches etc.
Please ensure that You take proper care of Your Personal Property, otherwise ACE may not pay for Your loss.

SECTION 1. CANCELLATION, CURTAILMENT AND REARRANGEMENT (Maximum payable for any one Journey: £2,000)
A. Cover ACE will pay Cancellation, Curtailment and Rearrangement Costs up to £2,000 for any one Journey if it becomes necessary to cancel, curtail or rearrange the Journey Due To:
i. the death, serious injury, sudden illness, complications in pregnancy or quarantine of You or Your Immediate Family; provided that such cancellation, curtailment or rearrangement is confirmed as medically necessary by a Qualified Medical Practitioner;
ii. a Public Conveyance being cancelled or curtailed because of adverse weather, industrial action, or mechanical breakdown or derangement;
iii. Your compulsory quarantine, jury service or subpoena or hijacking of the conveyance in which You are travelling;
iv. Your unemployment which qualifies for payment under any applicable statute;
v. serious damage making Your home uninhabitable;
vi. Your presence being required by the Police following a burglary or attempted burglary at Your home.
B. Exclusions (General Exclusions apply as well)
ACE will not pay:
i. Cancellation, Curtailment and Rearrangement Costs where such cancellation or curtailment has not been confirmed as medically necessary by a Qualified Medical Practitioner;
ii. if complications in pregnancy occur within 14 weeks of the Expected Date of Delivery;
iii. if a strike or industrial action is public knowledge when this Policy is taken out or a Journey is booked;
iv. if an aircraft, sea vessel or train is withdrawn from service on the orders of the recognised regulatory authority in any country;
v. if You are called as an expert witness or if Your occupation would normally require a Court attendance;
vi. if You were unemployed or knew You might become unemployed at the time a booking was made;
vii. if any other adverse financial situation necessitates cancellation, curtailment or rearrangement of a Journey;
viii. the Excess;
ix. additional travel and accommodation expenses for Curtailment and Rearrangement Costs where the means of transport and/or accommodation used is of a standard superior to that of the outbound journey;
x. any loss, charge or expense Due To:
a) a delay in notifying the tour operator, travel agent, or transport or accommodation provider that it is necessary to cancel a booking;
b) disinclination to go on a Journey;or
c) prohibitive regulations by the government of any country;
xi. a charge or expense paid for or to be discharged with any kind of promotional voucher;
xii. if You were aware of any reason, either at the time You booked Your Journey or at the time You purchased the Policy, that might mean You had to cancel that Journey;
xiii. if a trip is cancelled as the result of regulations made by any government or public authority.

SECTION 2. TRAVEL DELAY (Maximum payable for any one Journey: £100)
A. Cover If You are delayed for at least 12 hours because the scheduled departure of a Public Conveyance is affected by a strike, industrial action, adverse weather, mechanical breakdown/derangement, or grounding of an aircraft due to mechanical or structural defect, ACE will pay a £20 benefit for the first full 12 hours delay and a £10 benefit for each subsequent full 12 hours delay up to a maximum benefit of £100 for any one Journey.
B. Exclusions (General Exclusions apply as well) ACE will not pay:
i. if You do not:
a) check-in before the scheduled departure time shown on Your travel itinerary; or
b) provide ACE with written details from the airline, shipping company, coach or train operators describing the length of, and reason for, the delay;
ii. if a Public Conveyance is taken out of service on the instructions of a Civil Aviation Authority, Port Authority or similar authority;
iii. if a strike or industrial action could be reasonably expected when a Journey is booked.

SECTION 1. CANCELLATION, CURTAILMENT AND REARRANGEMENT (Maximum payable for any one Journey: £2,000)
A. Cover ACE will pay Cancellation, Curtailment and Rearrangement Costs up to £2,000 for any one Journey if it becomes necessary to cancel, curtail or rearrange the Journey Due To:
i. the death, serious injury, sudden illness, complications in pregnancy or quarantine of You or Your Immediate Family; provided that such cancellation, curtailment or rearrangement is confirmed as medically necessary by a Qualified Medical Practitioner;
ii. a Public Conveyance being cancelled or curtailed because of adverse weather, industrial action, or mechanical breakdown or derangement;

SECTION 10. PERSONAL LIABILITY (Limit of Liability £2,000,000)
ACE Assistance (see Part II of this Policy)
You can call ACE Assistance/Personal Assistance to help you:
- get legal advice from a local English-speaking lawyer, Embassy or Consulate
- pay reasonable emergency legal expenses or bail (against your guarantee of repayment)
These are non-insured facilitation services making use of ACE Assistance's wide experience and contacts. Any costs incurred must be reimbursed to ACE Assistance.
The comments contained in this box are intended to draw your attention to significant issues. They do not, in any way, form part of the contract.
A. Cover
ACE will indemnify You against all sums which You are legally liable to pay as damages in respect of:
i. accidental bodily injury (including death illness or disease) to any person;
ii. accidental loss of or damage to material property; which occurs during the Period of Insurance arising out of the Journey.
The maximum that ACE will pay under this Section for all damages as a result of any one occurrence or series of occurrences arising directly or indirectly from one source or original cause shall be £2,000,000 (hereafter called the Limit of Liability).
ACE will in addition pay Costs and Expenses. Costs and Expenses shall mean:
i. all costs and expenses recoverable by a claimant from You;
ii. all costs and expenses incurred with the written consent of ACE;
iii. solicitors' fees for representation at any coroner's inquest or fatal accident inquiry or in any Court of Summary Jurisdiction; in respect of any occurrence to which this Section applies - except that in respect of occurrences happening in or claims or legal proceedings brought or originating in the United States of America and Canada or any other territory within the jurisdiction of either such country, Costs and Expenses described in i., ii. and iii. above are deemed to be included in the Limit of Liability.
B. Exclusions (General Exclusions apply as well)
ACE will not provide indemnity for any liability:
i. in respect of accidental bodily injury to:
a. any person who is under a contract of service with You when such injury arises out of and in the course of their employment by You, or;
b. Your relative;
ii. assumed by You under a contract or agreement unless such liability would have attached in the absence of such contract or agreement;
iii. in respect of loss of or damage to property
a. belonging to You.
b. in Your care custody or control.
However this Exclusion shall not apply in respect of loss of or damage to buildings and their contents not belonging to but temporarily occupied by You in the course of the Journey.
iv. in respect of bodily injury loss or damage caused directly or indirectly in connection with:
a. the carrying on of any trade business or profession. For the purpose of this Exclusion, "business" shall include Work;
b. the ownership, possession or use of:
1. horse-drawn or mechanically propelled vehicles;
2. aircraft, hovercraft or watercraft (other than manually propelled watercraft);
3. firearms (other than sporting guns);
4. animals (other than horses and domestic cats and dogs);
v. arising from: a. the occupation or ownership of any land or building other than any building temporarily occupied by You in the course of a Journey;
b. the transmission of any communicable disease.
c. Conditions applying to this Section
i. ACE may at its sole discretion in respect of any occurrence or occurrences covered by this Section pay to You the Limit of Liability applicable to such occurrence or occurrences (but deducting therefrom any sum(s) already paid) or any lesser sum for which the claim(s) arising from such occurrence(s) can be settled and ACE shall thereafter be under no further liability in respect of such occurrence(s) except for the payment of Costs and Expenses incurred prior to the date of such payment and for which ACE may be responsible hereunder.
ii. If at the time of the happening of any occurrence covered by this Section there is any other existing insurance whether taken out by You or not covering the same liability ACE shall not be liable to indemnify You in respect of such liability except so far as concerns any excess beyond the amount which would have been payable under such other insurance had this Section not been effected.

SECTION 14. CATASTROPHE (Maximum payable for any one Journey: £500)
A. Cover
ACE will pay up to £500 for any one Journey if You are forced to move from pre-booked and pre-paid accommodation as a result of fire, explosion, earthquake, storm, hurricane, flood, medical epidemic or local Government directive, which is confirmed in writing by local or national authority, for the irrecoverable travel or accommodation costs necessarily incurred to continue with the Journey or if the Journey cannot be continued for Your return to the United Kingdom, Isle of Man or the Channel Islands.
B. Exclusions (General Exclusions apply as well)
ACE will not pay:
i. the Excess;
ii. any expenses incurred following Your disinclination to travel or to continue with the Journey when the official directive from the local or national authority states it is acceptable to do so;
iii. any expenses or costs payable by or recoverable from tour operator, airline, hotel or other provider of services.

4.1 GENERAL EXCLUSIONS (Exclusions that apply to the whole Policy)
ACE will not be liable to make any payment under this Policy where any event that would otherwise be insured is Due To:
A. Air travel/sports unless:
i. You are travelling as a fare-paying passenger in a fixed wing aircraft which is provided by a licensed airline or air charter company; or,
ii. the aerial pursuit or sport is listed in this Policy under General Sports and Recreational Activities, Hazardous Activities or Extreme Activities.
B. Business
business of any description that is undertaken on a Journey other than Work.
C. Currency
currency exchange.
D. Illegal acts
any illegal act committed by You.
E. Misuse of alcohol/drug
i. Your misuse of alcohol or solvents; or
ii. Your ingestion of drugs except for drugs which are properly prescribed; or
iii. You driving a vehicle of any kind whilst the alcohol level in Your blood exceeds the legal limit of the country where You are driving.
F. Nuclear, Chemical or Biological Terrorism
any act of terrorism involving the use of Nuclear, Chemical or Biological Weapons or Agents.
G. Pregnancy
any expenses Due To pregnancy, childbirth or any resulting complication incurred at or within 14 weeks of the Expected Date of Delivery; and abortion or any resulting complication.
H. Psychological conditions
post traumatic stress disorder or a related syndrome or any psychological or psychiatric condition including depression, anxiety, mental strain and depressive illnesses of any type.
I. Radiation
i. ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste resulting from the combustion of nuclear fuel; or ii. the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component of such assembly.
J. Sonic waves
pressure waves from aircraft and other airborne devices travelling at sonic or supersonic speeds.
K. Specified diseases
i. infection with Human Immune Deficiency Virus (HIV) or other forms of the virus, Acquired Immune Deficiency Syndrome (AIDS) and AIDS-Related Complex (ARC); or ii. sexually transmitted disease.
L. Sports
i. unless the sport or activity is listed in this Policy under General Sports and Recreational Activities, Hazardous Activities or Extreme Activities;
ii. You engaging in sport as a professional sports person (other than as a coach of General Sports and Recreational Activities, Hazardous Activities (not scuba diving) and Rugby Union/League).
M. Suicide/self-injury
i. suicide, attempted suicide or deliberate self-inflicted injury regardless of the state of Your mental health; or
ii. needless self-exposure to danger except in an attempt to save human life.
N. War
War or any act of War whether War is declared or not.

4.1 GENERAL EXCLUSIONS (Exclusions that apply to the whole Policy)
ACE will not be liable to make any payment under this Policy where any event that would otherwise be insured is Due To:
F. Nuclear, Chemical or Biological Terrorism
any act of terrorism involving the use of Nuclear, Chemical or Biological Weapons or Agents.

4.1 GENERAL EXCLUSIONS (Exclusions that apply to the whole Policy)
ACE will not be liable to make any payment under this Policy where any event that would otherwise be insured is Due To:
F. Nuclear, Chemical or Biological Terrorism
any act of terrorism involving the use of Nuclear, Chemical or Biological Weapons or Agents.

4.3 CLAIM PROVISIONS
A. You must:
i. Notify ACE immediately
e-mail ACE immediately or download a claim form from this Web Site and send it to ACE as soon as possible and within 30 days of becoming aware of anything likely to result in a Claim. A personal representative can do this if You cannot;
ii. Supply details & documents
supply at Your own expense any information, evidence and receipts ACE requires including medical certificates signed by a Qualified Medical Practitioner, Police reports and other reports;
iii. Protect property
take all reasonable steps to protect any item or property from further loss or damage and to recover any lost or stolen article;
iv. Send ACE summons, writs etc
send ACE any original writ, summons, legal process or other correspondence received in connection with a Claim immediately it is received and without answering it.
B. You must not do the following without ACE's written agreement:
i. Admit liability admit liability, or offer or promise to make any payment; or
ii. Dispose of items
C. You must recognise ACE's right to:
i. Pay, repair or replace choose either to pay the amount of a Claim (less any Excess and up to any Policy limit) or repair, replace or reinstate any item or property that is damaged, lost or stolen;
ii. Inspect & dispose of items inspect and take possession of any item or property for which a Claim is being made and handle any salvage in a reasonable manner;
iii. Handle a Claim in Your name take over and deal with the defence or settlement of any Claim in Your name and keep any amount recovered;
iv. Pay in sterling settle all Claims in pounds sterling;
v. Be reimbursed promptly be reimbursed within 30 days for any costs or expenses that are not insured under this Policy, which ACE pays to You, or on Your behalf;
vi. Receive medical certificates be supplied at Your expense with appropriate original medical certificates before paying a Claim under Part III Sections 1, 3, 4 or 5;
vii. Carry out medical examinations request and carry out a medical examination and insist on a post-mortem examination, if the law allows ACE to ask for one, at ACE's expense.
D. ACE will not be liable to pay a Claim and may cancel the Policy immediately in either of the following circumstances
i. Dishonesty if a Claim is in any way dishonest; or
ii. Fraud if You or anyone acting on Your behalf uses fraudulent means to benefit under this Policy.

4.2 GENERAL CONDITIONS (Conditions that apply to the whole Policy)
A. Contract
This Policy, the Policy Schedule and any information provided in Your application will be read together as one contract.
B. Legal Interpretation and Language
Current legislation allows the parties to this contract to choose which law is used to interpret this Policy.
You and ACE agree that:
i. this Policy will be governed and interpreted in accordance with the Laws of England and Wales and only the English Courts will have jurisdiction in any dispute; and
ii. communication of and in connection with this Policy shall be in the English language.
C. Third Party Rights
You and ACE have agreed that it is not intended for any third party to this contract to have the right to enforce the terms of this contract. You and ACE can rescind or vary the terms of this contract without the consent of any third party to this contract who might seek to assert that they have rights under the Contracts (Rights of Third Parties) Act 1999.
D. Observing Policy Terms & Conditions
ACE will not be liable to make any payment under this Policy if You or Your personal representative(s) do not observe and fulfil its Terms, Exclusions and Conditions.
E. Your duty to avoid or minimise a Claim
You must take ordinary and reasonable care to safeguard against loss, damage, Accident, injury or illness as though You were not insured. If ACE believes You have not taken reasonable care of property, the Claim may not be paid. The items insured under this Policy must be maintained in good condition and kept in good repair.
F. Interest
ACE will not pay interest on any benefit payable under this Policy unless payment has been unreasonably delayed by ACE following receipt of all the required certificates, information and evidence necessary to support the Claim.
Where interest becomes payable by ACE it will be calculated only from the date of final receipt of such certificates, information or evidence.

B. Exclusions (General Exclusions apply as well) ACE will not pay:
xvii. the Excess, except where You have obtained a reduction in the cost of medical expenses in European Union countries by using form E111 or the European Health Insurance Card.