AXA Direct Annual Travel Insurance

Section B - Emergency medical and other expenses
What is covered
We will pay you up to £5,000,000 for the following expenses which are necessarily incurred within 12 months of the incident as a result of your suffering bodily injury or illness and/or compulsory quarantine:
1. Emergency medical, surgical, hospital, ambulance and nursing fees and charges incurred:
a) outside the United Kingdom or
b) within the Channel Islands
2. Emergency dental treatment for the immediate relief of pain (to natural teeth only) up to a limit of £200 incurred:
a) outside the United Kingdom or
b) within the Channel Islands.
3. If you die:
a) outside the United Kingdom the reasonable additional cost of funeral expenses abroad up to a maximum of £1,500 plus the reasonable cost of returning your ashes to your home, or the additional costs of returning your body to your home
b) within the United Kingdom the reasonable additional cost of returning your ashes or body to your home up to a maximum of £750.
4. Reasonable additional transport (economy class) and/or accommodation expenses incurred, up to the standard of your original booking, if it is medically necessary for you to stay beyond your scheduled return date.
This includes, with the prior authorisation of AXA Assistance, reasonable additional transport or accommodation expenses for a travelling companion, friend or close relative if deemed medically necessary by a medical practitioner, to stay with you or travel to you from the United Kingdom or escort you and additional travel expenses to return you to your home if you cannot use the return ticket.
5. With the prior authorisation of AXA Assistance, the additional costs incurred in the use of air transport or other suitable means, including qualified attendants, to repatriate you to your home if it is medically necessary. These expenses will be for the identical class of travel utilised on the outward journey unless AXA Assistance agree otherwise.
Special conditions relating to claims
1. You must give notice as soon as possible to AXA Assistance of any bodily injury or illness which necessitates your admittance to hospital as an in-patient or before any arrangements are made for your repatriation.
2. If you suffer bodily injury or illness we reserve the right to move you from one hospital to another and arrange for your repatriation to the United Kingdom at any time during the trip.
We will do this if in the opinion of the medical practitioner in attendance or AXA Assistance you can be moved safely and / or travel safely to the United Kingdom to continue treatment.
What is not covered
1. The first £100 of each and every claim per incident claimed for under this section by each insured person but limited to £200 in all if family cover or single parent cover applies.
2. Any claims arising directly or indirectly in respect of:
a) Costs of telephone calls, other than calls to AXA Assistance telling them of the problem for which you are able to provide a receipt or other evidence to show the cost of the call and the number you telephoned.
b) The cost of taxi fares, other than those for travel to or from hospital relating to your admission, discharge, attendance for outpatient treatment or appointments or for collection of medication prescribed by the hospital.
c) The cost of treatment or surgery, including exploratory tests, which are not directly related to the bodily injury or illness which necessitated your admittance into hospital.
d) Any expenses which are not usual, reasonable or customary to treat your bodily injury or illness.
e) Any form of treatment or surgery which in the opinion of the medical practitioner in attendance and AXA Assistance can be delayed reasonably until your return to the United Kingdom.
f) Expenses incurred in obtaining or replacing medication, which you know you will need at the time of departure or which will have to be continued outside the United Kingdom.
g) Additional costs arising from single or private room accommodation.
h) Treatment or services provided by a health spa, convalescent or nursing home or any rehabilitation centre unless agreed by AXA Assistance.
i) Any expenses incurred treatment or surgery, including exploratory tests, after you have returned to the United Kingdom.
j) Expenses incurred as a result of a tropical disease where you have not had the recommended inoculations and/or taken the recommended medication.
k) Your decision not to be repatriated after the date when in the opinion of AXA Assistance it is safe to do so.
3. Anything mentioned in the general exclusions on page 18.
You should also refer to the important conditions relating to health on page 2.
Claims evidence
We will require the following evidence where relevant:
- Receipts or bills for all in-patient/out-patient treatment or emergency dental treatment received.
- In the event of death, the original death certificate and receipts or bills for funeral, cremation or repatriation expenses.
- Receipts or bills for taxi fares to or from hospital claimed for, stating details of the date, name and location of the hospital concerned.
- Receipts or bills for any other transport, accommodation or other costs, charges or expenses claimed for including calls to AXA Assistance.
- Any other information that we may ask you for.

Section D - Personal accident
Special definitions
Loss of limb
loss by permanent severance of an entire hand or foot or the total and permanent loss of use of an entire hand or foot.
Loss of sight
total and irrecoverable loss of sight which shall be considered as having occurred:
a) in both eyes if your name is added to the Register of Blind Persons on the authority of a fully qualified ophthalmic specialist and
b) in one eye if the degree of sight remaining after correction is 3/60 or less on the Snellen scale.
What is covered
We will pay either:
a) one of the benefits 1. to 3. shown below if you sustain bodily injury which shall solely and independently of any other cause, result within two years in your death, loss of limb, loss of sight or permanent total disablement and/or
b) benefit 4. shown below if you sustain bodily injury as a result of a road traffic accident whilst You are travelling in a hire car in New Zealand, which shall solely and independently of any other cause, result in your temporary total disablement.
BENEFIT    Up to age 15 years  Age 16 years to 64  Age 65 years
     inclusive   years inclusive   and over
1. Death    £2,000    £2,000    £2,000
2. Loss of one or more limbs
and/or loss of sight in one or
both eyes    £2,000    £2,000    Not covered
3. Permanent total disablement  £2,000    £2,000    Not covered
4. Temporary total disablement  Not covered   £20 per week   £20 per week
Special conditions relating to claims
1. Our medical practitioner may examine you as often as they consider necessary if you make a claim.
Provisions
1. Benefit is not payable to you:
a) Under more than one of items 1., 2. or 3.
b) Under item 3. until one year after the date you sustain bodily injury
c) Under item 3. if you are able or may be able to carry out any relevant occupation.
d) Under item 4. for the first 7 days of such disablement or for more than 2 weeks from the date you sustain bodily injury.
e) Under item 4. if you are able or may be able to carry out a substantial part of your gainful employment or relevant occupation (whether on a full time or part time basis) or (where you are not gainfully employed or gainfully occupied) if you are not necessarily confined to a hospital, nursing home or similar establishment or to a private residence.
What is not covered
1. Anything mentioned in the general exclusions on page 18.
Claims evidence
We will require the following evidence where relevant:
- In the event of death, the original death certificate.
- A medical certificate or report in relation to claims for loss of limb, loss or sight or permanent total disablement.
- Any other information that we may ask you for.

Section C - Hospital benefit
What is covered
We will pay you £30 for every complete 24 hours you have to stay in hospital as an in-patient or are confined to your accommodation due to your compulsory quarantine or on the orders of a medical practitioner:
a) outside the United Kingdom or
b) within the Channel Islands
up to a maximum of £500 as a result of bodily injury or illness you sustain. We will pay the amount above in addition to any amount payable under Section B - Emergency medical and other expenses. This payment is meant to help you pay for additional expenses such as taxi fares and phone calls incurred during your stay in hospital.
You may claim only under Section C - Hospital benefit or subsection 3. of Section P - Cruise cover for the same event, not both.
Special conditions relating to claims
1. You must give notice as soon as possible to AXA Assistance of any bodily injury or illness which necessitates your admittance to hospital as an in-patient, compulsory quarantine or confinement to your accommodation on the orders of a medical practitioner.
What is not covered
1. Any claims arising directly or indirectly from:
a) Any additional period of hospitalisation, compulsory quarantine or confinement to your accommodation relating to treatment or surgery, including exploratory tests, which are not directly related to the bodily injury or illness which necessitated your admittance into hospital.
b) Hospitalisation, compulsory quarantine or confinement to your accommodation relating to any form of treatment or surgery which in the opinion of the medical practitioner in attendance and AXA Assistance can be delayed reasonably until your return to the United Kingdom.
c) Any additional period of hospitalisation, compulsory quarantine or confinement to your accommodation relating to treatment or services provided by a convalescent or nursing home or any rehabilitation centre.
d) Hospitalisation, compulsory quarantine or confinement to your accommodation as a result of a tropical disease where you have not had the recommended inoculations and/or taken the recommended medication.
e) Any additional period of hospitalisation, compulsory quarantine or confinement to your accommodation following your decision not to be repatriated after the date when in the opinion of AXA Assistance it is safe to do so.
2. Anything mentioned in the general exclusions on page 18.
Claims evidence
We will require the following evidence where relevant:
- Confirmation in writing from the hospital, relevant authority or the treating medical practitioner of the dates on which you were admitted and subsequently discharged from hospital, compulsory quarantine or confinement to your accommodation.
- Any other information that we may ask you for.

Section B - Emergency medical and other expenses
What is covered
We will pay you up to £ ,000,000 for the following expenses which are necessarily incurred within 12 months of the incident as a result of your suffering bodily injury or illness and/or compulsory quarantine:
2. Emergency dental treatment for the immediate relief of pain (to natural teeth only) up to a limit of £200 incurred:
a) outside the United Kingdom or
b) within the Channel Islands.

Section B - Emergency medical and other expenses
What is covered
We will pay you up to £5,000,000 for the following expenses which are necessarily incurred within 12 months of the incident as a result of your suffering bodily injury or illness and/or compulsory quarantine:
3. If you die:
a) outside the United Kingdom the reasonable additional cost of funeral expenses abroad up to a maximum of £1,500 plus the reasonable cost of returning your ashes to your home, or the additional costs of returning your body to your home
b) within the United Kingdom the reasonable additional cost of returning your ashes or body to your home up to a maximum of £750.

Section B - Emergency medical and other expenses
What is covered
We will pay you up to £5,000,000 for the following expenses which are necessarily incurred within 12 months of the incident as a result of your suffering bodily injury or illness and/or compulsory quarantine:
3. If you die:
a) outside the United Kingdom the reasonable additional cost of funeral expenses abroad up to a maximum of £1,500 plus the reasonable cost of returning your ashes to your home, or the additional costs of returning your body to your home
b) within the United Kingdom the reasonable additional cost of returning your ashes or body to your home up to a maximum of £750.

Section F - Personal money, passport and documents
What is covered
1. We will pay you up to the amounts shown below for the accidental loss of, theft of or damage to personal money and documents (including passports, visas and driving licences). We will also cover foreign currency during the 72 hours immediately before your departure on the outward journey.
The maximum we will pay for the following items is:
a) £150 for bank notes currency notes and coins
b) £50 for bank notes currency notes and coins, if you are under the age of 16
c) £150 for all other personal money and documents.
2. We will pay you up to £300 for reasonable additional travel and accommodation expenses incurred necessarily outside the United Kingdom to obtain a replacement of your passport or visa which has been lost or stolen outside the United Kingdom.
Special conditions relating to claims
1. You must report to the local Police in the country where the incident occurred within 2 hours of discovery or as soon as possible after that and get a written report of the loss, theft or attempted theft of all personal money, passports or documents.
2. If personal money, passports or documents are lost, stolen or damaged while in the care of a hotel or your accommodation provider you must report to them, in writing, details of the loss, theft or damage and get written confirmation. Keep all travel tickets and tags for submission if a claim is to be made under this policy.
3. If documents are lost, stolen or damaged while in the care of a carrier, transport company, authority, hotel or your accommodation provider you must report to them, in writing, details of the loss, theft or damage and obtain written confirmation. If documents are is lost, stolen or damaged whilst in the care of an airline you must:
a) get a Property Irregularity Report from the airline
b) give formal written notice of the claim to the airline within the time limit set out in their conditions of carriage (please keep a copy)
c) keep all travel tickets and tags for submission to us if you are going to make a claim under this policy.
4. You must keep receipts for items lost, stolen or damaged as these will help you to substantiate your claim.
What is not covered
1. The first £100 of each and every claim per incident claimed for under this section by each insured person but limited to £200 if family cover or single parent cover applies.
2. Loss, theft of or damage to personal money or your passport or visa left unattended at any time (including in a motor vehicle or in the custody of carriers) unless deposited in a hotel safe, safety deposit box or left in your locked accommodation.
3. Loss, theft of or damage to travellers cheques if you have not complied with the issuers conditions or where the issuer provides a replacement service.
4. Loss or damage due to delay, confiscation or detention by customs or any other authority.
5. Loss or damage due to depreciation (loss of value), variations in exchange rates or shortages due to error or omission.
6. Anything mentioned in the general exclusions on page 18.
Claims evidence
We will require the following evidence where relevant:
- A Police report from the local Police in the country where the incident occurred for all loss, theft or attempted theft.
- A Property Irregularity Report from the airline or a letter from the carrier where loss, theft of damage occurred in their custody.
- A letter from your tour operators representative, hotel or accommodation provider where appropriate.
- All travel tickets and tags.
- Receipts or valuations for items lost, stolen or damaged.
- Receipts or bills for any transport and accommodation expenses claimed for.
- Receipts for all currency and travellers cheques transactions.
- Any other information that we may ask you for.

Section N - Legal expenses and assistance
What is covered
We will pay up to £25,000 for legal costs to pursue a civil action for compensation against someone else who causes you bodily injury, illness or death.
Where there are two or more insured persons insured by this policy, then the maximum amount we will pay for all such claims shall not exceed £50,000.
Special conditions relating to claims
1. We shall have complete control over the legal case through agents we nominate, by appointing agents of our choice on your behalf with the expertise to pursue your claim.
2. You must follow our agents advice and provide any information and assistance required within a reasonable timescale.
3. You must advise us of any offers of settlement made by the negligent third party and you must not accept any such offer without our permission.
4. We will decide the point at which your legal case cannot usefully be pursued further. After that no further claims can be made against us.
5. We may include a claim for our legal costs and other related expenses.
6. We may, at our own expense, take proceedings in your name to recover compensation from any third party for any indemnity paid under this policy. You must give us any assistance we require from you and any amount recovered shall belong to us.
What is not covered
We shall not be liable for:
1. Any claim where in our opinion there is insufficient prospect of success in obtaining reasonable compensation.
2. Legal costs and expenses incurred in pursuit of any claim against a travel agent, tour operator, carrier, us, AXA Assistance or their agents, someone you were travelling with, a person related to you, or another insured person.
3. Legal costs and expenses incurred prior to our written acceptance of the case.
4. Any claim where the legal costs and expenses are likely to be greater than the anticipated amount of compensation.
5. Any claim where legal costs and expenses are based directly or indirectly on the amount of compensation awarded (for example a Contingency Fee Agreement).
6. Legal costs and expenses incurred in any claim which is capable of being pursued under a conditional Fee Agreement.
7. Legal costs and expenses incurred if an action is brought in more than one country.
8. Any claim where in our opinion the estimated amount of compensation payment is less than £1,000 for each insured person.
9. Travel, accommodation and incidental costs incurred to pursue a civil action for compensation.
10. The costs of any Appeal.
11. Claims by you other than in your private capacity.
12. Anything mentioned in the general exclusions on page 18.
Claims evidence
We will require the following evidence where relevant:
- Relevant documentation and evidence to support your claim, including photographic evidence.
- Any other information that we may ask you for.

Section F - Personal money, passport and documents
What is covered
1. We will pay you up to the amounts shown below for the accidental loss of, theft of or damage to personal money and documents (including passports, visas and driving licences). We will also cover foreign currency during the 72 hours immediately before your departure on the outward journey.
The maximum we will pay for the following items is:
a) £150 for bank notes currency notes and coins
b) £50 for bank notes currency notes and coins, if you are under the age of 16
c) £150 for all other personal money and documents.
2. We will pay you up to £300 for reasonable additional travel and accommodation expenses incurred necessarily outside the United Kingdom to obtain a replacement of your passport or visa which has been lost or stolen outside the United Kingdom.
Special conditions relating to claims
1. You must report to the local Police in the country where the incident occurred within 24 hours of discovery or as soon as possible after that and get a written report of the loss, theft or attempted theft of all personal money, passports or documents.
2. If personal money, passports or documents are lost, stolen or damaged while in the care of a hotel or your accommodation provider you must report to them, in writing, details of the loss, theft or damage and get written confirmation. Keep all travel tickets and tags for submission if a claim is to be made under this policy.
3. If documents are lost, stolen or damaged while in the care of a carrier, transport company, authority, hotel or your accommodation provider you must report to them, in writing, details of the loss, theft or damage and obtain written confirmation. If documents are is lost, stolen or damaged whilst in the care of an airline you must:
a) get a Property Irregularity Report from the airline
b) give formal written notice of the claim to the airline within the time limit set out in their conditions of carriage (please keep a copy)
c) keep all travel tickets and tags for submission to us if you are going to make a claim under this policy.
4. You must keep receipts for items lost, stolen or damaged as these will help you to substantiate your claim.
What is not covered
1. The first £100 of each and every claim per incident claimed for under this section by each insured person but limited to £200 if family cover or single parent cover applies.
2. Loss, theft of or damage to personal money or your passport or visa left unattended at any time (including in a motor vehicle or in the custody of carriers) unless deposited in a hotel safe, safety deposit box or left in your locked accommodation.
3. Loss, theft of or damage to travellers cheques if you have not complied with the issuers conditions or where the issuer provides a replacement service.
4. Loss or damage due to delay, confiscation or detention by customs or any other authority.
5. Loss or damage due to depreciation (loss of value), variations in exchange rates or shortages due to error or omission.
6. Anything mentioned in the general exclusions on page 18.
Claims evidence
We will require the following evidence where relevant:
- A Police report from the local Police in the country where the incident occurred for all loss, theft or attempted theft.
- A Property Irregularity Report from the airline or a letter from the carrier where loss, theft of damage occurred in their custody.
- A letter from your tour operators representative, hotel or accommodation provider where appropriate.
- All travel tickets and tags.
- Receipts or valuations for items lost, stolen or damaged.
- Receipts or bills for any transport and accommodation expenses claimed for.
- Receipts for all currency and travellers cheques transactions.
- Any other information that we may ask you for.

Section F - Personal money, passport and documents
What is covered
1. We will pay you up to the amounts shown below for the accidental loss of, theft of or damage to personal money and documents (including passports, visas and driving licences). We will also cover foreign currency during the 72 hours immediately before your departure on the outward journey.
The maximum we will pay for the following items is:
a) £150 for bank notes currency notes and coins
b) £50 for bank notes currency notes and coins, if you are under the age of 16
c) £150 for all other personal money and documents.
2. We will pay you up to £300 for reasonable additional travel and accommodation expenses incurred necessarily outside the United Kingdom to obtain a replacement of your passport or visa which has been lost or stolen outside the United Kingdom.
Special conditions relating to claims
1. You must report to the local Police in the country where the incident occurred within 24 hours of discovery or as soon as possible after that and get a written report of the loss, theft or attempted theft of all personal money, passports or documents.
2. If personal money, passports or documents are lost, stolen or damaged while in the care of a hotel or your accommodation provider you must report to them, in writing, details of the loss, theft or damage and get written confirmation. Keep all travel tickets and tags for submission if a claim is to be made under this policy.
3. If documents are lost, stolen or damaged while in the care of a carrier, transport company, authority, hotel or your accommodation provider you must report to them, in writing, details of the loss, theft or damage and obtain written confirmation. If documents are is lost, stolen or damaged whilst in the care of an airline you must:
a) get a Property Irregularity Report from the airline
b) give formal written notice of the claim to the airline within the time limit set out in their conditions of carriage (please keep a copy)
c) keep all travel tickets and tags for submission to us if you are going to make a claim under this policy.
4. You must keep receipts for items lost, stolen or damaged as these will help you to substantiate your claim.
What is not covered
1. The first £100 of each and every claim per incident claimed for under this section by each insured person but limited to £200 if family cover or single parent cover applies.
2. Loss, theft of or damage to personal money or your passport or visa left unattended at any time (including in a motor vehicle or in the custody of carriers) unless deposited in a hotel safe, safety deposit box or left in your locked accommodation.
3. Loss, theft of or damage to travellers cheques if you have not complied with the issuers conditions or where the issuer provides a replacement service.
4. Loss or damage due to delay, confiscation or detention by customs or any other authority.
5. Loss or damage due to depreciation (loss of value), variations in exchange rates or shortages due to error or omission.
6. Anything mentioned in the general exclusions on page 18.
Claims evidence
We will require the following evidence where relevant:
- A Police report from the local Police in the country where the incident occurred for all loss, theft or attempted theft.
- A Property Irregularity Report from the airline or a letter from the carrier where loss, theft of damage occurred in their custody.
- A letter from your tour operators representative, hotel or accommodation provider where appropriate.
- All travel tickets and tags.
- Receipts or valuations for items lost, stolen or damaged.
- Receipts or bills for any transport and accommodation expenses claimed for.
- Receipts for all currency and travellers cheques transactions.
- Any other information that we may ask you for.

Section J - Ski equipment (only operative if indicated in the schedule)
What is covered
We will pay you up to £500 for the accidental loss of, theft of or damage to your own ski equipment, or up to £300 for hired ski equipment. The amount payable will the value at todays prices less a deduction for wear tear and depreciation (loss of value - calculated from the table below), or we may at our option replace, reinstate or repair the lost or damaged ski equipment.
Special conditions relating to claims
1. You must report to the local Police in the country where the incident occurred within 24 hours of discovery or as soon as possible after that and get a written report of the loss, theft or attempted theft of all ski equipment.
2. If ski equipment is lost, stolen or damaged while in the care of a carrier, transport company, authority or hotel you must report to them, in writing, details of the loss, theft or damage and get written confirmation. If ski equipment is lost, stolen or damaged whilst in the care of an airline you must:
a) get a Property Irregularity Report from the airline
b) give formal written notice of the claim to the airline within the time limit set out in their conditions of carriage (please keep a copy)
c) keep all travel tickets and tags for submission if you are going to make a claim under this policy.
3. You must keep receipts for items lost, stolen or damaged as these will help you to substantiate your claim.
What is not covered
1. The first £100 of each and every claim per incident claimed for under this section by each insured person but limited to £200 if family cover or single parent cover applies.
2. Loss, theft of or damage to ski equipment contained in or stolen from an unattended vehicle:
a) overnight between pm and am (local time) or
b) at any time between am and pm (local time) unless it is locked out of sight in a secure baggage area.
3. Loss or damage due to delay, confiscation or detention by customs or an other authority.
4. Loss or damage caused by wear and tear, depreciation (loss of value), deterioration, atmospheric or climatic conditions, moth, vermin, any process of cleaning repairing or restoring, mechanical or electrical breakdown.
5. Anything mentioned in the general exclusions on page 18.
Claims evidence
We will require the following evidence where relevant:
- A Police report from the local Police in the country where the incident occurred for all loss, theft or attempted theft.
- A Property Irregularity Report from the airline or a letter from the carrier where loss, theft or damage occurred in their custody.
- A letter from your tour operators representative, hotel or accommodation provider where appropriate.
- All travel tickets and tags.
- Receipts or valuations for items lost, stolen or damaged.
- Repair report where applicable.
- Any other information that we may ask you for.

Section J - Ski equipment (only operative if indicated in the schedule)
What is covered
We will pay you up to £500 for the accidental loss of, theft of or damage to your own ski equipment, or up to £300 for hired ski equipment. The amount payable will the value at todays prices less a deduction for wear tear and depreciation (loss of value - calculated from the table below), or we may at our option replace, reinstate or repair the lost or damaged ski equipment.
Special conditions relating to claims
1. You must report to the local Police in the country where the incident occurred within 24 hours of discovery or as soon as possible after that and get a written report of the loss, theft or attempted theft of all ski equipment.
2. If ski equipment is lost, stolen or damaged while in the care of a carrier, transport company, authority or hotel you must report to them, in writing, details of the loss, theft or damage and get written confirmation. If ski equipment is lost, stolen or damaged whilst in the care of an airline you must:
a) get a Property Irregularity Report from the airline
b) give formal written notice of the claim to the airline within the time limit set out in their conditions of carriage (please keep a copy)
c) keep all travel tickets and tags for submission if you are going to make a claim under this policy.
3. You must keep receipts for items lost, stolen or damaged as these will help you to substantiate your claim.
What is not covered
1. The first £100 of each and every claim per incident claimed for under this section by each insured person but limited to £200 if family cover or single parent cover applies.
2. Loss, theft of or damage to ski equipment contained in or stolen from an unattended vehicle:
a) overnight between pm and am (local time) or
b) at any time between am and pm (local time) unless it is locked out of sight in a secure baggage area.
3. Loss or damage due to delay, confiscation or detention by customs or an other authority.
4. Loss or damage caused by wear and tear, depreciation (loss of value), deterioration, atmospheric or climatic conditions, moth, vermin, any process of cleaning repairing or restoring, mechanical or electrical breakdown.
5. Anything mentioned in the general exclusions on page 18.
Claims evidence
We will require the following evidence where relevant:
- A Police report from the local Police in the country where the incident occurred for all loss, theft or attempted theft.
- A Property Irregularity Report from the airline or a letter from the carrier where loss, theft or damage occurred in their custody.
- A letter from your tour operators representative, hotel or accommodation provider where appropriate.
- All travel tickets and tags.
- Receipts or valuations for items lost, stolen or damaged.
- Repair report where applicable.
- Any other information that we may ask you for.

Section J - Ski equipment (only operative if indicated in the schedule)
What is covered
We will pay you up to £500 for the accidental loss of, theft of or damage to your own ski equipment, or up to £300 for hired ski equipment. The amount payable will the value at todays prices less a deduction for wear tear and depreciation (loss of value - calculated from the table below), or we may at our option replace, reinstate or repair the lost or damaged ski equipment.
Special conditions relating to claims
1. You must report to the local Police in the country where the incident occurred within 24 hours of discovery or as soon as possible after that and get a written report of the loss, theft or attempted theft of all ski equipment.
2. If ski equipment is lost, stolen or damaged while in the care of a carrier, transport company, authority or hotel you must report to them, in writing, details of the loss, theft or damage and get written confirmation. If ski equipment is lost, stolen or damaged whilst in the care of an airline you must:
a) get a Property Irregularity Report from the airline
b) give formal written notice of the claim to the airline within the time limit set out in their conditions of carriage (please keep a copy)
c) keep all travel tickets and tags for submission if you are going to make a claim under this policy.
3. You must keep receipts for items lost, stolen or damaged as these will help you to substantiate your claim.
What is not covered
1. The first £100 of each and every claim per incident claimed for under this section by each insured person but limited to £200 if family cover or single parent cover applies.
2. Loss, theft of or damage to ski equipment contained in or stolen from an unattended vehicle:
a) overnight between pm and am (local time) or
b) at any time between am and pm (local time) unless it is locked out of sight in a secure baggage area.
3. Loss or damage due to delay, confiscation or detention by customs or an other authority.
4. Loss or damage caused by wear and tear, depreciation (loss of value), deterioration, atmospheric or climatic conditions, moth, vermin, any process of cleaning repairing or restoring, mechanical or electrical breakdown.
5. Anything mentioned in the general exclusions on page 18.
Claims evidence
We will require the following evidence where relevant:
- A Police report from the local Police in the country where the incident occurred for all loss, theft or attempted theft.
- A Property Irregularity Report from the airline or a letter from the carrier where loss, theft or damage occurred in their custody.
- A letter from your tour operators representative, hotel or accommodation provider where appropriate.
- All travel tickets and tags.
- Receipts or valuations for items lost, stolen or damaged.
- Repair report where applicable.
- Any other information that we may ask you for.

Section L - Ski pack (only operative if indicated in the schedule)
What is covered
We will pay you:
a) Up to £300 for the unused portion of your ski pack (ski school fees, lift passes and hired ski equipment) following your bodily injury or illness.
b) Up to £150 for the unused portion of your lift pass if you lose it.
Special conditions relating to claims
1. You must provide written confirmation to us from a medical practitioner that such bodily injury or illness prevented you from using your ski pack.
What is not covered
1. Anything mentioned in the general exclusions on page 18.
Claims evidence
We will require the following evidence where relevant:
- A medical certificate from the treating medical practitioner explaining why you were unable to use your ski pack.
- Any other information that we may ask you for.

Section L - Ski pack (only operative if indicated in the schedule)
What is covered
We will pay you:
a) Up to £300 for the unused portion of your ski pack (ski school fees, lift passes and hired ski equipment) following your bodily injury or illness.
b) Up to £150 for the unused portion of your lift pass if you lose it.
Special conditions relating to claims
1. You must provide written confirmation to us from a medical practitioner that such bodily injury or illness prevented you from using your ski pack.
What is not covered
1. Anything mentioned in the general exclusions on page 18.
Claims evidence
We will require the following evidence where relevant:
- A medical certificate from the treating medical practitioner explaining why you were unable to use your ski pack.
- Any other information that we may ask you for.

Section M - Piste closure (only operative if indicated in the schedule)
What is covered
We will pay you up to £30 per day, up to a maximum of £600 for transport costs necessarily incurred by you to travel to and from an alternative site if either lack of or excess of snow or an avalanche results in the skiing facilities (excluding cross-country skiing) in your resort being closed and it is not possible to ski. The cover only applies:
a) To the resort which you have pre-booked for a period more than 12 hours and for so long as these conditions continue at the resort, but not more than the pre-booked period of your trip and
b) To trips taken outside the United Kingdom during the published ski season for your resort.
If no alternative sites are available we will instead pay you compensation of £30 per day up to a maximum of £600.
Special conditions relating to claims
1. You must get written confirmation from the relevant authority, ski lift operator or your tour operators representative of the number of days skiing facilities were closed in your resort and the reason for the closure.
What is not covered
1. Any circumstances where transport costs, compensation or alternative skiing facilities are provided to you.
2. Anything mentioned in the general exclusions on page 18.
Claims evidence
We will require the following evidence where relevant:
- A letter from the relevant authority, ski lift operator or your tour operators representative of the number of days skiing facilities were closed in your resort and the reason for the closure.
- Receipts or bills for any transport costs claimed for.
- Any other information that we may ask you for.

Section M - Piste closure (only operative if indicated in the schedule)
What is covered
We will pay you up to £30 per day, up to a maximum of £600 for transport costs necessarily incurred by you to travel to and from an alternative site if either lack of or excess of snow or an avalanche results in the skiing facilities (excluding cross-country skiing) in your resort being closed and it is not possible to ski. The cover only applies:
a) To the resort which you have pre-booked for a period more than 12 hours and for so long as these conditions continue at the resort, but not more than the pre-booked period of your trip and
b) To trips taken outside the United Kingdom during the published ski season for your resort.
If no alternative sites are available we will instead pay you compensation of £30 per day up to a maximum of £600.
Special conditions relating to claims
1. You must get written confirmation from the relevant authority, ski lift operator or your tour operators representative of the number of days skiing facilities were closed in your resort and the reason for the closure.
What is not covered
1. Any circumstances where transport costs, compensation or alternative skiing facilities are provided to you.
2. Anything mentioned in the general exclusions on page 18.
Claims evidence
We will require the following evidence where relevant:
- A letter from the relevant authority, ski lift operator or your tour operators representative of the number of days skiing facilities were closed in your resort and the reason for the closure.
- Receipts or bills for any transport costs claimed for.
- Any other information that we may ask you for.

Section M - Piste closure (only operative if indicated in the schedule)
What is covered
We will pay you up to £30 per day, up to a maximum of £600 for transport costs necessarily incurred by you to travel to and from an alternative site if either lack of or excess of snow or an avalanche results in the skiing facilities (excluding cross-country skiing) in your resort being closed and it is not possible to ski. The cover only applies:
a) To the resort which you have pre-booked for a period more than 12 hours and for so long as these conditions continue at the resort, but not more than the pre-booked period of your trip and
b) To trips taken outside the United Kingdom during the published ski season for your resort.
If no alternative sites are available we will instead pay you compensation of £30 per day up to a maximum of £600.
Special conditions relating to claims
1. You must get written confirmation from the relevant authority, ski lift operator or your tour operators representative of the number of days skiing facilities were closed in your resort and the reason for the closure.
What is not covered
1. Any circumstances where transport costs, compensation or alternative skiing facilities are provided to you.
2. Anything mentioned in the general exclusions on page 18.
Claims evidence
We will require the following evidence where relevant:
- A letter from the relevant authority, ski lift operator or your tour operators representative of the number of days skiing facilities were closed in your resort and the reason for the closure.
- Receipts or bills for any transport costs claimed for.
- Any other information that we may ask you for.

Section K - Ski equipment hire (only operative if indicated in the schedule)
What is covered
We will pay you up to £30 per day, up to a maximum of £300 for the reasonable cost of hiring replacement ski equipment as a result of the accidental loss of, theft of or damage to or temporary loss in transit for more than 24 hours of your own ski equipment.
Special conditions relating to claims
1. You must report to the local Police in the country where the incident occurred within 24 hours of discovery or as soon as possible after that and get a written report of the loss, theft or attempted theft of your own ski equipment.
2. If ski equipment is lost, stolen or damaged while in the care of a carrier, transport company, authority or hotel you must report to them, in writing, details of the loss, theft or damage and get written confirmation. If ski equipment is lost, stolen or damaged whilst in the care of an airline you must:
a) get a Property Irregularity Report from the airline
b) give formal written notice of the claim to the airline within the time limit set out in their conditions of carriage (please keep a copy)
c) keep all travel tickets and tags for submission if you are going to make a claim under this policy.
3. You must keep receipts for items lost, stolen or damaged as these will help you to substantiate your claim.
What is not covered
1. Loss, theft of or damage to ski equipment contained in or stolen from an unattended vehicle:
a) overnight between 9 pm and 9 am (local time) or
b) at any time between 9 am and 9 pm (local time) unless it is locked out of sight in a secure baggage area.
2. Loss or damage due to delay, confiscation or detention by customs or an other authority.
3. Loss or damage caused by wear and tear, depreciation (loss of value), deterioration, atmospheric or climatic conditions, moth, vermin, any process of cleaning repairing or restoring, mechanical or electrical breakdown.
4. Anything mentioned in the general exclusions on page 18.
Claims evidence
We will require the following evidence where relevant:
- A Police report from the local Police in the country where the incident occurred for all loss, theft or attempted theft.
- A Property Irregularity Report from the airline or a letter from the carrier where loss, theft or damage occurred in their custody.
- A letter from your tour operators representative, hotel or accommodation provider where appropriate.
- All travel tickets and tags.
- Receipts or valuations for items lost, stolen or damaged together with receipts or bills detailing the costs incurred of hiring replacement ski equipment.
- Any other information that we may ask you for.

Section K - Ski equipment hire (only operative if indicated in the schedule)
What is covered
We will pay you up to £30 per day, up to a maximum of £300 for the reasonable cost of hiring replacement ski equipment as a result of the accidental loss of, theft of or damage to or temporary loss in transit for more than 24 hours of your own ski equipment.
Special conditions relating to claims
1. You must report to the local Police in the country where the incident occurred within 24 hours of discovery or as soon as possible after that and get a written report of the loss, theft or attempted theft of your own ski equipment.
2. If ski equipment is lost, stolen or damaged while in the care of a carrier, transport company, authority or hotel you must report to them, in writing, details of the loss, theft or damage and get written confirmation. If ski equipment is lost, stolen or damaged whilst in the care of an airline you must:
a) get a Property Irregularity Report from the airline
b) give formal written notice of the claim to the airline within the time limit set out in their conditions of carriage (please keep a copy)
c) keep all travel tickets and tags for submission if you are going to make a claim under this policy.
3. You must keep receipts for items lost, stolen or damaged as these will help you to substantiate your claim.
What is not covered
1. Loss, theft of or damage to ski equipment contained in or stolen from an unattended vehicle:
a) overnight between 9 pm and 9 am (local time) or
b) at any time between 9 am and 9 pm (local time) unless it is locked out of sight in a secure baggage area.
2. Loss or damage due to delay, confiscation or detention by customs or an other authority.
3. Loss or damage caused by wear and tear, depreciation (loss of value), deterioration, atmospheric or climatic conditions, moth, vermin, any process of cleaning repairing or restoring, mechanical or electrical breakdown.
4. Anything mentioned in the general exclusions on page 18.
Claims evidence
We will require the following evidence where relevant:
- A Police report from the local Police in the country where the incident occurred for all loss, theft or attempted theft.
- A Property Irregularity Report from the airline or a letter from the carrier where loss, theft or damage occurred in their custody.
- A letter from your tour operators representative, hotel or accommodation provider where appropriate.
- All travel tickets and tags.
- Receipts or valuations for items lost, stolen or damaged together with receipts or bills detailing the costs incurred of hiring replacement ski equipment.
- Any other information that we may ask you for.

Emergency and medical service
In the event of a serious illness or accident which may lead to in-patient hospital treatment or before any arrangements are made for repatriation or in the event of Curtailment necessitating Your early return Home You must contact AXA Assistance. The service is available to You and operates 24 hours a day, 365 days a year for advice, assistance, making arrangements for hospital admission, repatriation and authorisation of medical expenses. If this is not possible because the condition requires immediate emergency treatment You must contact AXA Assistance as soon as possible. Private medical treatment is not covered unless authorised specifically by AXA Assistance.
Medical assistance abroad
AXA Assistance has the medical expertise, contacts and facilities to help should You be injured in an accident or fall ill. AXA Assistance will also arrange transport Home when this is considered to be medically necessary or when You have notice of serious illness or death of a Close Relative at Home.
Payment for medical treatment abroad
If You are admitted to a hospital/clinic while abroad, AXA Assistance will arrange for medical expenses covered by the policy to be paid direct to the hospital/clinic. To take advantage of this benefit someone must contact AXA Assistance for You as soon as possible.For simple out-patient treatment, You should pay the hospital/clinic yourself and claim back medical expenses from Us on Your return to the United Kingdom. Beware of requests for You to sign for excessive treatment or charges. If in doubt regarding any such requests, please call AXA Assistance for guidance.
Contact AXA Assistance on telephone number:
+44 (0)1737 815142

Section E - Baggage (only operative if indicated in the schedule)
What is covered
1. We will pay you up to the amounts shown below for the accidental loss of, theft of or damage to:
a) baggage (excluding golf equipment) £1,500 and
b) golf equipment (if cover is included) £1,000.
The amount payable will be the value at todays prices less a deduction for wear tear and depreciation (loss of value), or we may at our option replace, reinstate or repair the lost or damaged baggage/golf equipment.
The maximum we will pay for the following items is:
a) £200 for any one article, pair or set of articles (not applicable to golf equipment if cover is included)
b) £300 for the total for all valuables.
2. We will also pay you up to the amounts shown below:
a) £100 for the emergency replacement of clothing, medication and toiletries and
b) £300 for the emergency replacement of golf equipment (if cover is included) if your baggage/golf equipment is temporarily lost in transit during the outward journey and not returned to you within 12 hours, as long as we receive written confirmation from the carrier, confirming the number of hours the baggage/golf equipment was delayed.
If the loss is permanent we will deduct the amount paid from the final claim amount to be paid under this section.
c) £25 per day, up to a maximum of £200 for the reasonable cost of hiring replacement golf equipment (if cover is included) as a result of the accidental loss of, theft of or damage to or temporary loss in transit during the outward journey for more than 24 hours of your own golf equipment, as long as we receive written confirmation from the carrier, confirming the number of hours the golf equipment was delayed.
You may only claim under one of Sections E - Baggage, O - Cruise cover or Q - Wedding/Civil partnership cover for the same event.
Special conditions relating to claims
1. You must report to the local Police in the country where the incident occurred within 24 hours of discovery or as soon as possible after that and get a written report of the loss, theft or attempted theft of all baggage.
2. If baggage is lost, stolen or damaged while in the care of a carrier, transport company, authority, hotel or your accommodation provider you must report to them, in writing, details of the loss, theft or damage and get written confirmation. If baggage is lost, stolen or damaged whilst in the care of an airline you must:
a) get a Property Irregularity Report from the airline
b) give formal written notice of the claim to the airline within the time limit contained in their conditions of carriage (please keep a copy)
c) keep all travel tickets and tags for submission to us if you are going to make a claim under this policy.
3. You must keep receipts for items lost, stolen or damaged as these will help you to substantiate your claim.
What is not covered
1. The first £100 of each and every claim per incident claimed for under this section by each insured person (except claims under subsection 2. a), 2.b) and 2.c) of What is covered) but limited to £200 if family cover or single parent cover applies.
2. Loss, theft of or damage to valuables left unattended at any time (including in a vehicle or in the custody of carriers) unless deposited in a hotel safe, safety deposit box or left in your locked accommodation.
3. Loss, theft of or damage to baggage contained in unattended vehicle:
a) overnight between 9 pm and 9 am (local time) or
b) at any time between 9 am and 9 pm (local time) unless it is locked out of sight in a secure baggage area.
4. Loss or damage due to delay, confiscation or detention by customs or an other authority.
5. Loss, theft of or damage to unset precious stones, contact or corneal lenses, hearing aids, dental or medical fittings, antiques, musical instruments, deeds, manuscripts, securities, perishable goods (such as foodstuffs), bicycles, ski equipment and damage to suitcases (unless the suitcases are entirely unusable as a result of one single incidence of damage).
6. Loss or damage due to cracking, scratching, breakage of or damage to china, glass (other than glass in watch faces, cameras, binoculars or telescopes), porcelain or other brittle or fragile articles unless caused by fire, theft, or an accident to the aircraft, sea vessel, train or vehicle in which they are being carried.
7. Loss or damage due to breakage of sports equipment (not applicable to golf equipment if cover is included) or damage to sports clothing whilst in use.
8. Loss, theft of or damage to business equipment, business goods, samples, tools of trade, motor accessories and other items used in connection with your business, trade, profession or occupation.
9. Loss or damage caused by wear and tear, depreciation (loss of value), deterioration, atmospheric or climatic conditions, moth, vermin, any process of cleaning repairing or restoring, mechanical or electrical breakdown.
10. Anything mentioned in the general exclusions on page 18.
Claims evidence
We will require the following evidence where relevant:
- A Police report from the local Police in the country where the incident occurred for all loss, theft or attempted theft.
- A Property Irregularity Report from the airline or a letter from the carrier where loss, theft or damage occurred in their custody.
- A letter from your tour operators representative, hotel or accommodation provider where appropriate.
- All travel tickets and tags.
- Receipts or valuations for items lost, stolen or damaged and for all items of clothing, medication, toiletries or golf equipment replaced if your baggage/golf equipment is temporarily lost in transit for more than 12/24 hours.
- A letter from the carrier confirming the number of hours your baggage/golf equipment was delayed for.
- Repair report where applicable.
- Any other information that we may ask you for.

Section E - Baggage (only operative if indicated in the schedule)
What is covered
1. We will pay you up to the amounts shown below for the accidental loss of, theft of or damage to:
a) baggage (excluding golf equipment) £1,500 and
b) golf equipment (if cover is included) £1,000.
The amount payable will be the value at todays prices less a deduction for wear tear and depreciation (loss of value), or we may at our option replace, reinstate or repair the lost or damaged baggage/golf equipment.
The maximum we will pay for the following items is:
a) £200 for any one article, pair or set of articles (not applicable to golf equipment if cover is included)
b) £300 for the total for all valuables.
2. We will also pay you up to the amounts shown below:
a) £100 for the emergency replacement of clothing, medication and toiletries and
b) £300 for the emergency replacement of golf equipment (if cover is included) if your baggage/golf equipment is temporarily lost in transit during the outward journey and not returned to you within 12 hours, as long as we receive written confirmation from the carrier, confirming the number of hours the baggage/golf equipment was delayed.
If the loss is permanent we will deduct the amount paid from the final claim amount to be paid under this section.
c) £25 per day, up to a maximum of £200 for the reasonable cost of hiring replacement golf equipment (if cover is included) as a result of the accidental loss of, theft of or damage to or temporary loss in transit during the outward journey for more than 24 hours of your own golf equipment, as long as we receive written confirmation from the carrier, confirming the number of hours the golf equipment was delayed.
You may only claim under one of Sections E - Baggage, O - Cruise cover or Q - Wedding/Civil partnership cover for the same event.
Special conditions relating to claims
1. You must report to the local Police in the country where the incident occurred within 24 hours of discovery or as soon as possible after that and get a written report of the loss, theft or attempted theft of all baggage.
2. If baggage is lost, stolen or damaged while in the care of a carrier, transport company, authority, hotel or your accommodation provider you must report to them, in writing, details of the loss, theft or damage and get written confirmation. If baggage is lost, stolen or damaged whilst in the care of an airline you must:
a) get a Property Irregularity Report from the airline
b) give formal written notice of the claim to the airline within the time limit contained in their conditions of carriage (please keep a copy)
c) keep all travel tickets and tags for submission to us if you are going to make a claim under this policy.
3. You must keep receipts for items lost, stolen or damaged as these will help you to substantiate your claim.
What is not covered
1. The first £100 of each and every claim per incident claimed for under this section by each insured person (except claims under subsection 2. a), 2.b) and 2.c) of What is covered) but limited to £200 if family cover or single parent cover applies.
2. Loss, theft of or damage to valuables left unattended at any time (including in a vehicle or in the custody of carriers) unless deposited in a hotel safe, safety deposit box or left in your locked accommodation.
3. Loss, theft of or damage to baggage contained in unattended vehicle:
a) overnight between 9 pm and 9 am (local time) or
b) at any time between 9 am and 9 pm (local time) unless it is locked out of sight in a secure baggage area.
4. Loss or damage due to delay, confiscation or detention by customs or an other authority.
5. Loss, theft of or damage to unset precious stones, contact or corneal lenses, hearing aids, dental or medical fittings, antiques, musical instruments, deeds, manuscripts, securities, perishable goods (such as foodstuffs), bicycles, ski equipment and damage to suitcases (unless the suitcases are entirely unusable as a result of one single incidence of damage).
6. Loss or damage due to cracking, scratching, breakage of or damage to china, glass (other than glass in watch faces, cameras, binoculars or telescopes), porcelain or other brittle or fragile articles unless caused by fire, theft, or an accident to the aircraft, sea vessel, train or vehicle in which they are being carried.
7. Loss or damage due to breakage of sports equipment (not applicable to golf equipment if cover is included) or damage to sports clothing whilst in use.
8. Loss, theft of or damage to business equipment, business goods, samples, tools of trade, motor accessories and other items used in connection with your business, trade, profession or occupation.
9. Loss or damage caused by wear and tear, depreciation (loss of value), deterioration, atmospheric or climatic conditions, moth, vermin, any process of cleaning repairing or restoring, mechanical or electrical breakdown.
10. Anything mentioned in the general exclusions on page 18.
Claims evidence
We will require the following evidence where relevant:
- A Police report from the local Police in the country where the incident occurred for all loss, theft or attempted theft.
- A Property Irregularity Report from the airline or a letter from the carrier where loss, theft or damage occurred in their custody.
- A letter from your tour operators representative, hotel or accommodation provider where appropriate.
- All travel tickets and tags.
- Receipts or valuations for items lost, stolen or damaged and for all items of clothing, medication, toiletries or golf equipment replaced if your baggage/golf equipment is temporarily lost in transit for more than 12/24 hours.
- A letter from the carrier confirming the number of hours your baggage/golf equipment was delayed for.
- Repair report where applicable.
- Any other information that we may ask you for.

Section A - Cancellation or curtailment charges
What is covered
We will pay you up to £ 3,000 for any irrecoverable unused travel and accommodation costs (including excursions up to £250) and other pre-paid charges (including green fees of up to £75 per day, up to a maximum of £300 where the appropriate golf equipment premium has been paid) which you have paid or are contracted to pay together with any reasonable additional travel expenses incurred if
a) cancellation of the trip is necessary and unavoidable or
b) the trip is curtailed before completion as a result of any of the following events occurring:
1. The death, bodily injury or illness of:
a) you
b) any person with whom you are travelling or have arranged to travel with
c) any person whom you have arranged to stay with
d) your close relative
e) your close business associate.
2. Compulsory quarantine, jury service attendance or being called as a witness at a Court of Law of you or any person who you are travelling or have arranged to travel with.
3. Redundancy (provided employment has been on a continuous full time basis with the same employer for at least 24 months and qualifies for payment under current United Kingdom redundancy payment legislation and at the time of booking the trip there was no reason to believe anyone would be made redundant) of you or any person who you are travelling or have arranged to travel with.
4. You or any person who you are travelling or have arranged to travel with are a member of the Armed Forces, Territorial Army, Police, Fire, Nursing or Ambulance Services or employees of a Government Department and have your/their authorised leave cancelled or are called up for operational reasons, provided that such cancellation or curtailment could not reasonably have been expected at the time when you
purchased this insurance or at the time of booking any trip.
5. The Police or other authorities requesting you to stay at or return to your home due to serious damage to your home caused by fire, aircraft, explosion, storm, flood, subsidence, fallen trees, impact by road vehicles, malicious people or theft.
You may claim only under Section A - Cancellation or curtailment charges or Section R - Independent travellers cover for the same event, not both.
Special conditions relating to claims
1. You must get a medical certificate from a medical practitioner and the prior approval of AXA Assistance to confirm the necessity to return home prior to curtailment of the trip due to death, bodily injury or illness.
2. If you fail to notify the travel agent, tour operator or provider of transport or accommodation as soon as you find out it is necessary to cancel the trip our liability will be limited to the cancellation charges that would have otherwise applied.
3. If you cancel the trip due to:
a) stress, anxiety, depression or any other mental or nervous disorder that you are suffering from you must provide a medical certificate from a consultant specialising in the relevant field or
b) any other bodily injury or illness you must provide a medical certificate from a medical practitioner stating that this necessarily and reasonably prevented you from travelling.
What is not covered
1. The first £100 of each and every claim per incident claimed for under this section by each insured person but limited to £200 in all if family cover or single parent cover applies.
2. The cost of Airport Departure Duty.
3. Any claims arising directly or indirectly from:
a) redundancy caused by or resulting from misconduct leading to dismissal or from resignation or voluntary redundancy or where you received a warning or notification of redundancy before you purchased this insurance or at the time of booking any trip
b) circumstances known to you before you purchased this insurance or at the time of booking any trip which could reasonably have been expected to lead to cancellation or curtailment of the trip.
4. Travel tickets paid for using any airline mileage reward scheme, for example Air Miles.
5. Accommodation costs paid for using any Timeshare, Holiday Property Bond or other holiday points scheme.
6. Anything mentioned in the general exclusions on page 18.
You should also refer to the important conditions relating to health on page 2.Claims evidence We will require the following evidence where relevant:
- A medical certificate from the treating medical practitioner (or in the case of stress, anxiety, depression or any other mental or nervous disorder a consultant specialising in the relevant field) explaining why it was necessary for you to cancel or curtail the trip.
- In the case of death causing cancellation or curtailment of the trip, the original death certificate.
- Booking confirmation together with a cancellation invoice from your travel agent, tour operator or provider of transport/accommodation.
- In the case of curtailment claims, written details from your travel agent, tour operator or provider of transport/accommodation of the separate costs of transport, accommodation and other pre-paid costs or charges that made up the total cost of the trip.
- Your unused travel tickets.
- Receipts or bills for any costs, charges or expenses claimed for.
- In the case of compulsory quarantine a letter from the relevant authority or the treating medical practitioner.
- In the case of jury service or witness attendance the court summons.
- The letter of redundancy for redundancy claims.
- A letter from the commanding officer concerned, confirming cancellation of authorised leave or call up for operational reasons.
- In the case of serious damage to your home a report from the Police or relevant authority.
- Any other information that we may ask you for.

Section I - Missed departure
What is covered
We will pay you up to £500 for reasonable additional accommodation (room only) and travel expenses necessarily incurred in reaching your overseas destination or returning to the United Kingdom if you fail to arrive at the departure point in time to board the public transport on which you are booked to travel on the initial international journey of the trip as a result of:
1. the failure of other public transport or
2. an accident to or breakdown of the vehicle in which you are travelling or
3. an accident or breakdown happening ahead of you on a motorway or dual carriage way which causes an unexpected delay to the vehicle in which you are travelling or
4. strike, industrial action or adverse weather conditions.
You may claim only under one of Sections I - Missed departure, H - Delayed departure or R - Independent travellers cover for the same event.
Special conditions relating to claims
1. If you make a claim caused by any delay happening on a motorway or dual carriage way you must get written confirmation from the Police or emergency breakdown services of the location, reason for and duration of the delay.
2. You must allow enough time for the public transport or other transport to arrive on schedule and to deliver you to the departure point.
What is not covered
1. The first £100 of each and every claim per incident claimed for under this section by each insured person but limited to £200 in all if family cover or single parent cover applies.
2. Claims arising directly or indirectly from:
a) Strike or industrial action existing or being publicly announced by the date you purchased this insurance or at the time of booking any trip.
b) An accident to or breakdown of the vehicle in which you are travelling for which a professional repairers report is not provided.
c) Breakdown of any vehicle owned by you which has not been serviced properly and maintained in accordance with manufacturers instructions.
d) An aircraft or sea vessel being withdrawn from service (temporary or otherwise) on the recommendation of the Civil Aviation Authority, Port Authority or any similar body in any country.
3. Additional expenses where the scheduled public transport operator has offered reasonable alternative travel arrangements.
4. Anything mentioned in the general exclusions on page 18.
Claims evidence
We will require the following evidence where relevant:
- A letter from the public transport provider detailing the reasons for failure.
- A letter from the Police or emergency breakdown services confirming the location, reason for and duration of the delay on a motorway or dual carriage way if appropriate.
- A letter from the relevant public transport provider, carrier or authority confirming details of the strike, industrial action or adverse weather conditions.
- Your unused travel tickets.
- Receipts or bills for any transport, accommodation or other costs, charges or expenses claimed for.
- Any other information that we may ask you for.

Section H Delayed departure
What is covered
If departure of the public transport on which you are booked to travel is delayed at the final departure point from or to the United Kingdom for at least hours from the scheduled time of departure due to:
a) strike, or
b) industrial action, or
c) adverse weather conditions, or
d) mechanical breakdown of or a technical fault occurring in the public transport on which you are booked to travel
we will pay you:
1. £25 for the first completed 5 hours delay and £25 for each full 12 hours delay after that, up to a maximum of £200 (which is meant to help you pay for telephone calls made and meals and refreshments purchased during the delay) provided you eventually travel, or
2. Up to £3,000 for any irrecoverable unused travel and accommodation costs and other prepaid charges which you have paid or are contracted to pay if after a delay of at least hours, you choose to cancel your trip before departure from the United Kingdom.
You may claim only under subsection 1. or 2. above for the same event, not both.
You may claim only under one of Sections H - Delayed departure, I - Missed departure or R - Independent travellers cover for the same event.
Special conditions relating to claims
1. You must check in according to the itinerary given to you.
2. You must get written confirmation from the carriers (or their handling agents) of the number of hours of delay and the reason for the delay.
3. You must comply with the terms of contract of the travel agent, tour operator or transport provider.
What is not covered
1. The first £100 of each and every claim per incident claimed for under this section by each insured person under subsection 2. of What is covered but limited to £200 in all if family cover or single parent cover applies.
2. Claims arising directly or indirectly from:
a) Strike or industrial action or air traffic control delay existing or being publicly announced by the date you purchased this insurance or at the time of booking any trip.
b) An aircraft or sea vessel being withdrawn from service (temporary or otherwise) on the recommendation of the Civil Aviation Authority, Port Authority or any similar body in any country.
3. Anything mentioned in the general exclusions on page 18.
Claims evidence
We will require the following evidence where relevant:
- Full details of the travel itinerary supplied to you.
- A letter from the carriers (or their handling agents) confirming the number of hours delay, the reason for the delay and confirmation of your check in time.
- In the case of cancellation claims, your booking confirmation together with written details from your travel agent, tour operator or provider of transport/accommodation of the separate costs of transport, accommodation and other pre-paid costs or charges that made up the total cost of the trip.
- Your unused travel tickets.
- Receipts or bills for any transport, accommodation or other costs, charges or expenses claimed for.
- Any other information that we may ask you for.

Section H Delayed departure
What is covered
If departure of the public transport on which you are booked to travel is delayed at the final departure point from or to the United Kingdom for at least hours from the scheduled time of departure due to:
a) strike, or
b) industrial action, or
c) adverse weather conditions, or
d) mechanical breakdown of or a technical fault occurring in the public transport on which you are booked to travel
we will pay you:
1. £25 for the first completed 5 hours delay and £25 for each full 12 hours delay after that, up to a maximum of £200 (which is meant to help you pay for telephone calls made and meals and refreshments purchased during the delay) provided you eventually travel, or
2. Up to £3,000 for any irrecoverable unused travel and accommodation costs and other prepaid charges which you have paid or are contracted to pay if after a delay of at least hours, you choose to cancel your trip before departure from the United Kingdom.
You may claim only under subsection 1. or 2. above for the same event, not both.
You may claim only under one of Sections H - Delayed departure, I - Missed departure or R - Independent travellers cover for the same event.
Special conditions relating to claims
1. You must check in according to the itinerary given to you.
2. You must get written confirmation from the carriers (or their handling agents) of the number of hours of delay and the reason for the delay.
3. You must comply with the terms of contract of the travel agent, tour operator or transport provider.
What is not covered
1. The first £100 of each and every claim per incident claimed for under this section by each insured person under subsection 2. of What is covered but limited to £200 in all if family cover or single parent cover applies.
2. Claims arising directly or indirectly from:
a) Strike or industrial action or air traffic control delay existing or being publicly announced by the date you purchased this insurance or at the time of booking any trip.
b) An aircraft or sea vessel being withdrawn from service (temporary or otherwise) on the recommendation of the Civil Aviation Authority, Port Authority or any similar body in any country.
3. Anything mentioned in the general exclusions on page 18.
Claims evidence
We will require the following evidence where relevant:
- Full details of the travel itinerary supplied to you.
- A letter from the carriers (or their handling agents) confirming the number of hours delay, the reason for the delay and confirmation of your check in time.
- In the case of cancellation claims, your booking confirmation together with written details from your travel agent, tour operator or provider of transport/accommodation of the separate costs of transport, accommodation and other pre-paid costs or charges that made up the total cost of the trip.
- Your unused travel tickets.
- Receipts or bills for any transport, accommodation or other costs, charges or expenses claimed for.
- Any other information that we may ask you for.

Section G - Personal liability
What is covered
We will pay up to £2,000,000 (including legal costs and expenses) against any amount you become legally liable to pay as compensation for any claim or series of claims arising from any one event or source of original cause in respect of accidental:
1. Bodily injury, death, illness or disease to any person who is not in your employment or who is not a close relative or member of your household.
2. Loss of or damage to property that does not belong to and is neither in the charge of or under the control of you, a close relative, anyone in your employment or any member of your household other than any temporary holiday accommodation occupied (but not owned) by you.
Special conditions relating to claims
1. You must give us written notice of any incident, which may give rise to a claim as soon as possible.
2. You must send us every letter, writ, summons and process as soon as you receive it.
3. You must not admit any liability or pay, offer to pay, promise to pay or negotiate any claim without our permission in writing.
4. We will be entitled to take over and carry out in your name the defence of any claims for indemnity or damages or otherwise against any third party. We shall have full discretion in the conduct of any negotiation or proceedings or in the settlement of any claim and you shall give us all necessary information and assistance which we may require.
5. If you die, your legal representative(s) will have the protection of this cover as long as they comply with the terms and conditions outlined in this policy.
What is not covered
1. The first £200 of each and every claim arising from the same incident claimed for under this section in relation to any temporary holiday accommodation occupied by you.
2. Compensation or legal costs arising directly or indirectly from:
a) Liability which has been assumed by you under agreement (such as a hire agreement) unless the liability would have existed without the agreement.
b) Pursuit of any business, trade, profession or occupation or the supply of goods or services.
c) Ownership possession or use of mechanically propelled vehicles, aircraft or watercraft (other than surfboards or manually propelled rowing boats, punts, canoes and where the appropriate golf equipment premium has been paid, golf buggies whilst in use on a golf course).
d) The transmission of any communicable disease or virus.
3. Anything mentioned in the general exclusions on page 18.
Claims evidence
We will require the following evidence where relevant:
- Full details in writing of any incident.
- Any letter, writ, summons and process must be sent to us as soon as you receive it.
- Any other information that we may ask you for.

Emergency and medical service
In the event of a serious illness or accident which may lead to in-patient hospital treatment or before any arrangements are made for repatriation or in the event of Curtailment necessitating Your early return Home You must contact AXA Assistance. The service is available to You and operates 24 hours a day, 365 days a year for advice, assistance, making arrangements for hospital admission, repatriation and authorisation of medical expenses. If this is not possible because the condition requires immediate emergency treatment You must contact AXA Assistance as soon as possible. Private medical treatment is not covered unless authorised specifically by AXA Assistance.
Medical assistance abroad
AXA Assistance has the medical expertise, contacts and facilities to help should You be injured in an accident or fall ill. AXA Assistance will also arrange
transport Home when this is considered to be medically necessary or when You have notice of serious illness or death of a Close Relative at Home.
Payment for medical treatment abroad
If You are admitted to a hospital/clinic while abroad, AXA Assistance will arrange for medical expenses covered by the policy to be paid direct to the hospital/clinic. To take advantage of this benefit someone must contact AXA Assistance for You as soon as possible.For simple out-patient treatment, You should pay the hospital/clinic yourself and claim back medical expenses from Us on Your return to the United Kingdom. Beware of requests for You to sign for excessive treatment or charges. If in doubt regarding any such requests, please call AXA Assistance for guidance.
Contact AXA Assistance on telephone number:
+44 (0)1737 815142

General exclusions applicable to all sections of the policy
We will not pay for claims arising directly or indirectly from:
1. War risks, civil commotion and terrorism
War, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, terrorism, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power but this exclusion shall not apply to losses under Section B - Emergency medical and other expenses, Section C - Hospital benefit and Section D - Personal accident unless such losses are caused by nuclear, chemical or biological attack, or the disturbances were already taking place at the beginning of any trip.
2. Radioactive contamination
Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste, from combustion of nuclear fuel, the radioactive, toxic, explosive or other hazardous properties of any nuclear assembly or nuclear component of such assembly.
3. Sonic bangs
Loss, destruction or damage directly occasioned by pressure waves caused by aircraft and other aerial devices travelling at sonic or supersonic speeds.
4. Date change
The failure or fear of failure or inability of any equipment or any computer programme, whether or not you own it, to recognise or to interpret correctly or process any date as its true calendar date, or to continue to function correctly beyond that date.
5. Winter sports
Your participation in winter sports unless the appropriate winter sports premium has been paid, in which case cover will apply under those sections shown as covered for winter sports in your schedule for:
a) the winter sports specified in the list on page 27 and
b) any other winter sports shown as covered in your schedule.
6. Professional sports or entertaining
Your participation in or practice of any professional sports or professional entertaining.
7. Driving a motorised vehicle
Your use of a motorised vehicle unless you are licensed to drive such a vehicle in the United Kingdom (but not including your participation in motor rallies or competitions).
8. Other sports or activities
Your participation in or practice of any other sport or activity, manual work or racing unless:
a) specified in the list on page 26 or
b) shown as covered in your schedule.
9. Suicide, drug use, alcohol or solvent abuse
Your wilfully, self-inflicted injury or illness, suicide or attempted suicide, sexually transmitted diseases, solvent abuse, alcohol abuse, drug use (other than drugs taken in accordance with treatment prescribed and directed by a medical practitioner, but not for the treatment of drug addiction), and putting yourself at needless risk (except in an attempt to save human life).
10. Unlawful action
Your own unlawful action or any criminal proceedings against you.
11. Consequential loss
Consequential loss of any kind (for example the replacing of locks after losing keys).
12. Armed Forces
Operational duties of a member of the Armed Forces (other than claims arising from authorised leave being cancelled due to operational reasons, as provided for under sub section . of Section A - Cancellation or curtailment charges).
13. Travelling against FCO or WHO advice
Your travel to a country or specific area or event to which the Travel Advice Unit of the Foreign & Commonwealth Office (FCO) or the World Health Organisation (WHO) has advised the public not to travel or all but essential travel to (other than claims arising from you not being able to travel and use your booked accommodation or curtailing the trip before completion, as provided for under the extended cancellation or curtailment cover under Section R - Independent travellers cover).

General exclusions applicable to all sections of the policy
4. The failure or fear of failure or inability of any equipment or any computer programme, whether or not You own it, to recognise or to interpret correctly or process any date as its true calendar date, or to continue to function correctly beyond that date.