Allianz Harmony Annual Travel

Medical warranty
- It is a condition of this policy that for related claims:
1 You will not be covered if you or anyone upon whose health your journey may depend have:
a suffered from, been treated for or diagnosed with a medical condition in the 24 months before your policy was issued or
b ever suffered from, been treated for or diagnosed with a heart, lung (except mild asthma when well controlled and suffered in isolation) or malignant condition.
2 You will not be covered if you travel against the advice of your doctor.
3 If you make a claim, you would need to get your doctor to confirm in writing that at the time your policy was issued your condition was stable, that you were
fit to travel and there was no sign that your condition would get worse.
4 You will not be covered if you know you will need medical treatment while you are away.
5 You will not be covered if you travel specifically to get medical treatment while you are away.
6 You will not be covered if, before your policy was issued, a doctor diagnosed that you have a terminal condition.
7 You must not have been waiting for medical treatment as a hospital patient or have been under investigation when your policy was issued.
8 You will not be covered if you suffer from any diagnosed psychiatric disorder.
- This is not a private medical insurance policy and only gives cover in the event of accident or illness if you need emergency medical treatment.

Medical emergency, repatriation and associated expenses - Part 2
What is covered
If you are taken into hospital or you think you may have to come home early or extend your journey because of illness or accident, we must be told immediately - see under the heading 24-hour medical emergency and repatriation service for more information.
We will pay you or your legal representatives for the following necessary emergency expenses which you run up within six months of the incident occurring during your journey.
1 Outside the United Kingdom.
a Up to £10 million for reasonable fees or charges you run up for:
i medical, surgical, hospital, nursing home or nursing services;
ii reasonable extra transport and accommodation costs for you and any one other person who stays or travels with you or to you from the United Kingdom on medical advice;
iii transporting your body or ashes to your home or we will pay up to £1,500 for your funeral expenses, in the place where you die outside the United Kingdom.
b £15 for each 24-hour period that you are in hospital as an in-patient up to £1,000 in total during the journey as well as any fees or charges paid under 1a.
c Up to £300 for emergency dental treatment to relieve sudden pain.
2 Within the United Kingdom.
Up to £1,000 for:
a reasonable extra transport and accommodation costs for you and any one other person who stays or travels with you or to you from within the United Kingdom on medical advice; and
b the reasonable cost of transporting your ashes or body home.
Where cover is in place for winter sports:
We will pay up to £25 for each 24-hour period period up to £400 in total for losing part of your prepaid ski pack if you cannot recover the costs from anywhere else, and you get written advice from a doctor that you cannot ski because of an injury or illness during your journey.
What is not covered
Medical emergency, repatriation and associated expenses - Part 2 1a, 1c, & 2
An excess of £50 for each incident claimed for under this part, unless your claim is reduced because you used an E111 form within one of the European Union countries listed on the back of the form or any other reciprocal health arrangement.
The cost of replacing any medication you were using when you began your journey.
1 & 2
Anything mentioned under the medical warranty (on page 2).
Extra transport and accommodation costs which are of a higher standard to those already used on your journey, unless we agree.
Anything caused by:
- you travelling in an aircraft (except as a passenger in a fully-licensed, passenger-carrying aircraft);
- your suicide, self-injury or deliberately putting yourself at risk (unless you were trying to save another persons life);
- you being under the influence of drugs (except those prescribed by a registered doctor but not for the treatment of drug addiction);
- the direct or indirect effect of you using alcohol or solvents;
- you travelling on a motorcycle over 125cc, unless the rider holds a valid licence which lets them ride a motorcycle of more than 125cc;
- anything caused by you taking part in manual work;
- you taking part in any dangerous activity (unless an extra premium has been paid for this cover);
- pregnancy or childbirth, where the due date is less than 8 weeks after your journey ends.
1a i Services or treatments you receive within the United Kingdom.
Services or treatments you receive which the doctor in attendance and we think can wait until you get back to the United Kingdom.
In-patient treatment or repatriation which we have not authorised.
The extra costs of having a single or private room in a hospital or nursing home.
The cost of all treatment which is not directly related to the illness or injury
that caused the claim.
1aiii Your burial or cremation within the United Kingdom.
1c Replacing or repairing false teeth or artificial teeth (such as crowns).
Dental work involving the use of precious metals.
Please read the General Conditions and Exclusions which also apply.

Personal accident - Part 5
What is covered
We will pay you or your legal representative one of the following amounts for an accident during your journey which must be caused by something external and visible.
1 £15,000 for death. (We will not pay more than £5,000 if you are 17 or under or 65 or over at the time of the accident.)
2 £15,000 for total and permanent loss of sight in one or both eyes or total and permanent loss of use of one or both hands or feet.
3 £15,000 for a permanent physical disability as a result of which there is no work which you are able to do. If you are not in paid work, we will provide the same cover for any permanent disability which prevents you from doing all your usual activities.
What is not covered
Anything caused by:
- any accident that you suffer before your journey begins;
- your sickness, disease, physical or mental condition that is gradually getting worse;
- you travelling in an aircraft (except as a passenger in a fully-licensed, passenger carrying aircraft);
- your suicide, self-injury or deliberately putting yourself at risk (unless you were trying to save another persons life);
- you being under the influence of drugs (except those prescribed by a registered doctor but not for the treatment of drug addiction);
- the direct or indirect effect of you using alcohol or solvents;
- you travelling on a motorcycle over 125cc, unless the rider holds a valid licence which lets them ride a motorcycle of more than 125cc;
- you taking part in manual work;
- you taking part in any dangerous activity (unless an extra premium has been paid for this cover).
We will not pay more than one of the benefits resulting from the same injury.
Please read the General Conditions and Exclusions which also apply.

Medical emergency, repatriation and associated expenses - Part 2
What is covered
If you are taken into hospital or you think you may have to come home early or extend your journey because of illness or accident, we must be told immediately - see under the heading 24-hour medical emergency and repatriation service for more information.
We will pay you or your legal representatives for the following necessary emergency expenses which you run up within six months of the incident occurring during your journey.
b £15 for each 24-hour period that you are in hospital as an in-patient up to £1,000 in total during the journey as well as any fees or charges paid under 1a.

Medical emergency, repatriation and associated expenses - Part 2
What is covered
If you are taken into hospital or you think you may have to come home early or extend your journey because of illness or accident, we must be told immediately - see under the heading 24-hour medical emergency and repatriation service for more information.
We will pay you or your legal representatives for the following necessary emergency expenses which you run up within six months of the incident occurring during your journey.
1 Outside the United Kingdom.
c Up to £300 for emergency dental treatment to relieve sudden pain.

Medical emergency, repatriation and associated expenses - Part 2
What is covered
If you are taken into hospital or you think you may have to come home early or extend your journey because of illness or accident, we must be told immediately - see under the heading 24-hour medical emergency and repatriation service for more information.
We will pay you or your legal representatives for the following necessary emergency expenses which you run up within six months of the incident occurring during your journey.
1 Outside the United Kingdom.
a Up to £10 million for reasonable fees or charges you run up for:
i medical, surgical, hospital, nursing home or nursing services;
ii reasonable extra transport and accommodation costs for you and any one other person who stays or travels with you or to you from the United Kingdom on medical advice;
iii transporting your body or ashes to your home or we will pay up to £1,500 for your funeral expenses, in the place where you die outside the United Kingdom.

Medical emergency, repatriation and associated expenses - Part 2
What is covered
If you are taken into hospital or you think you may have to come home early or extend your journey because of illness or accident, we must be told immediately - see under the heading 24-hour medical emergency and repatriation service for more information.
We will pay you or your legal representatives for the following necessary emergency expenses which you run up within six months of the incident occurring during your journey.
1 Outside the United Kingdom.
a Up to £10 million for reasonable fees or charges you run up for:
i medical, surgical, hospital, nursing home or nursing services;
ii reasonable extra transport and accommodation costs for you and any one other person who stays or travels with you or to you from the United Kingdom on medical advice;
iii transporting your body or ashes to your home or we will pay up to £1,500 for your funeral expenses, in the place where you die outside the United Kingdom.

Personal possessions and personal money - Part 4
What is covered
You are only covered under this part when the appropriate premium has been paid
1 a Up to £1,500 in total for your personal possessions (this does not include ski equipment); and
Where cover is in place for winter sports:
b Up to £400 in total for your own ski equipment and up to £250 for ski equipment hired by you that is damaged, stolen, lost or destroyed on your journey. It will be our decision to pay either:
- the cost of repairing your items;
- to replace your items; or
- the cost of replacing your items, less an amount for wear, tear and loss of value.
2 Up to £500 in total for loss or theft of your personal money while on your journey.
What is not covered
Personal possessions and personal money - Part 4 1 & 2
An excess of £50 for each incident claimed for under this part.
1 More than £300 for any single article, pair or set of any kind, whether jointly owned or not.
More than the part of the pair or set that is stolen, lost or destroyed.
More than £350 in total for valuables, whether jointly owned or not.
Breakage of or damage to sports equipment (this does not include ski equipment) while it is being used, fragile articles, works of art, paintings, sculptures, computer games, musical instruments, audio, video, computer, television, fax, phone, portable satellite and scuba diving equipment and household goods unless the breakage or damage is caused by fire or accident to the vehicle in which they are being carried.
Loss or damage due to the climate, wear and tear, reduction in value, moths or vermin.
The cost of replacing or repairing false teeth.
Personal possessions sent as freight (such as suitcases you send ahead of you).
Loss or theft of, or damage to the following.
- Films, tapes, cassettes, cartridges or discs, unless they were pre-recorded, in which case we will pay up to the replacement cost.
- Goods which deteriorate, bottles or cartons, and any damage caused by these items or their contents.
- Pedal cycles, wheelchairs, prams, pushchairs or baby buggies except while they are being carried by public transport.
- Property specifically covered by other insurance.
- Valuables left in a motor vehicle.
- Valuables carried in suitcases, trunks or similar containers unless they are with you all the time.
- Valuables unless they are with you all the time or locked in a safe or safety deposit box (if one is available) or locked in the accommodation you are using on your journey.
- Contact or corneal lenses.
- Bonds, share certificates, guarantees or documents of any kind.
- Personal possessions that are not with you all the time unless they are locked in the accommodation you are using on your journey or they are out of sight in the locked boot or covered luggage area of a locked motor vehicle which has been broken into (no cover for valuables).
- Personal money.
2 More than £250 (£50 if you are aged 17 or under) in cash in total while on you, whether jointly owned or not.
Compensation unless you can provide receipts of the amount you had from the place where you got the currency.
Loss or theft of Personal money, unless it is with you all the time, locked in a safe or safety deposit box (if one is available) or locked in the accommodation you are
using on your journey.
Loss caused by a reduction in exchange rates or shortage caused by mistakes in exchanging currency.
Loss or theft of travellers cheques where the place where you got them provides a replacement service.
Travel tickets paid for using any airline mileage reward scheme.
Please read the General Conditions and Exclusions which also apply.

Legal expenses - Part 12
What is covered
If you die, are ill, or injured during your journey and you or your legal representatives take legal action to get compensation, we will do the following to get compensation for this death, injury or illness:
Offer the following loans.
1 Up to £25,000 for you (but not more than £50,000 in total for all of you) for legal costs and expenses, directly related to the legal action.
2 Up to £1,000 for you, for travel and accommodation costs that you have to pay to go to a foreign court in connection with any legal action under 1 above.
What is not covered
Costs or expenses that we have not agreed to.
Any claim not reported to us within 90 days after the event giving rise to the claim.
Any claim against a travel agent, tour operator or carrier, us, the insurers, or our agent.
Any claim where we think a reasonable settlement is unlikely or where the cost of the action could be more than the settlement.
Actions between members of the same household or a relative, or actions to enforce a judgement or legally binding decision.
Costs for bringing legal action in more than one country for the same event.
Please read the General Conditions and Exclusions which also apply.

Loss of passport and delayed personal possessions - Part 3
What is covered
1 Up to £250 towards the costs of replacing your passport if it is lost, stolen or destroyed on your journey.
2 a If your personal possessions are temporarily lost or stolen on your outward journey for more than 12 hours from when you arrived at your destination, we will pay up to £100 in total for essential replacement items.
You must send us the receipts for anything that you buy. We will take any amount we pay from the final claim settlement if the items are permanently lost.
Where cover is in place for winter sports:
b Up to £25 for each 24-hour period up to £400 in total for the hire of alternative ski equipment when temporarily lost or stolen on your outward journey for more than 24 hours from when you arrived at your destination. You must send us the receipts for anything that you buy.
We will take any amount we pay from the final claim settlement if the items are permanently lost.
What is not covered
1 Compensation unless you get a letter from the consulate you reported the loss to.
2 Personal possessions sent as freight (such as suitcases you send ahead of you). 1 & 2 Loss or theft of, or damage to the following.
- Films, tapes, cassettes, cartridges or discs, unless they were pre-recorded, in which case we will pay up to the replacement cost.
- Goods which deteriorate, bottles or cartons, and any damage caused by these items or their contents.
- Pedal cycles, wheelchairs, prams, pushchairs or baby buggies except while they are being carried by public transport.
- Property specifically covered by other insurance.
- Valuables left in a motor vehicle.
- Valuables carried in suitcases, trunks or similar containers unless they are with you all the time.
- Valuables unless they are with you all the time or locked in a safe or safety deposit box (if one is available) or locked in the accommodation you are using on your journey.
- Contact or corneal lenses.
- Bonds, share certificates, guarantees or documents of any kind.
- Personal possessions that are not with you all the time unless they are locked in the accommodation you are using on your journey or they are out of sight in the locked boot or covered luggage area of a locked motor vehicle which has been broken into (no cover for valuables).
- Personal money.
Please read the General Conditions and Exclusions which also apply.

Hijack or mugging - Part 9
What is covered
1 We will pay £100 for each full 24-hour period, up to £1,000 in total, if you cannot reach your journey destination as a result of being hijacked.
2 We will pay £50 in total if, you are hospitalised during your journey because of a mugging involving a violent and threatening attack where you receive a
bodily injury.
What is not covered
1 Compensation unless you have a letter from the airline or carrier confirming the delay.
2 Compensation unless you have made a report to the police within 24 hours of the incident which confirms you have been hospitalised as a result of a mugging.
Please read the General Conditions and Exclusions which also apply.

Hijack or mugging - Part 9
What is covered
1 We will pay £100 for each full 24-hour period, up to £1,000 in total, if you cannot reach your journey destination as a result of being hijacked.
2 We will pay £50 in total if, you are hospitalised during your journey because of a mugging involving a violent and threatening attack where you receive a
bodily injury.
What is not covered
1 Compensation unless you have a letter from the airline or carrier confirming the delay.
2 Compensation unless you have made a report to the police within 24 hours of the incident which confirms you have been hospitalised as a result of a mugging.
Please read the General Conditions and Exclusions which also apply.

Personal possessions and personal money - Part 4
What is covered
You are only covered under this part when the appropriate premium has been paid
1 a Up to £1,500 in total for your personal possessions (this does not include ski equipment); and
Where cover is in place for winter sports:
b Up to £400 in total for your own ski equipment and up to £250 for ski equipment hired by you that is damaged, stolen, lost or destroyed on your journey. It will be our decision to pay either:
- the cost of repairing your items;
- to replace your items; or
- the cost of replacing your items, less an amount for wear, tear and loss of value.
2 Up to £500 in total for loss or theft of your personal money while on your journey.
What is not covered
Personal possessions and personal money - Part 4 1 & 2
An excess of £50 for each incident claimed for under this part.
1 More than £300 for any single article, pair or set of any kind, whether jointly owned or not.
More than the part of the pair or set that is stolen, lost or destroyed.
More than £350 in total for valuables, whether jointly owned or not.
Breakage of or damage to sports equipment (this does not include ski equipment) while it is being used, fragile articles, works of art, paintings, sculptures, computer games, musical instruments, audio, video, computer, television, fax, phone, portable satellite and scuba diving equipment and household goods unless the breakage or damage is caused by fire or accident to the vehicle in which they are being carried.
Loss or damage due to the climate, wear and tear, reduction in value, moths or vermin.
The cost of replacing or repairing false teeth.
Personal possessions sent as freight (such as suitcases you send ahead of you).
Loss or theft of, or damage to the following.
- Films, tapes, cassettes, cartridges or discs, unless they were pre-recorded, in which case we will pay up to the replacement cost.
- Goods which deteriorate, bottles or cartons, and any damage caused by these items or their contents.
- Pedal cycles, wheelchairs, prams, pushchairs or baby buggies except while they are being carried by public transport.
- Property specifically covered by other insurance.
- Valuables left in a motor vehicle.
- Valuables carried in suitcases, trunks or similar containers unless they are with you all the time.
- Valuables unless they are with you all the time or locked in a safe or safety deposit box (if one is available) or locked in the accommodation you are using on your journey.
- Contact or corneal lenses.
- Bonds, share certificates, guarantees or documents of any kind.
- Personal possessions that are not with you all the time unless they are locked in the accommodation you are using on your journey or they are out of sight in the locked boot or covered luggage area of a locked motor vehicle which has been broken into (no cover for valuables).
- Personal money.
2 More than £250 (£50 if you are aged 17 or under) in cash in total while on you, whether jointly owned or not.
Compensation unless you can provide receipts of the amount you had from the place where you got the currency.
Loss or theft of Personal money, unless it is with you all the time, locked in a safe or safety deposit box (if one is available) or locked in the accommodation you are
using on your journey.
Loss caused by a reduction in exchange rates or shortage caused by mistakes in exchanging currency.
Loss or theft of travellers cheques where the place where you got them provides a replacement service.
Travel tickets paid for using any airline mileage reward scheme.
Please read the General Conditions and Exclusions which also apply.

Personal possessions and personal money - Part 4
What is covered
You are only covered under this part when the appropriate premium has been paid
1 a Up to £1,500 in total for your personal possessions (this does not include ski equipment); and
Where cover is in place for winter sports:
b Up to £400 in total for your own ski equipment and up to £250 for ski equipment hired by you that is damaged, stolen, lost or destroyed on your journey. It will be our decision to pay either:
- the cost of repairing your items;
- to replace your items; or
- the cost of replacing your items, less an amount for wear, tear and loss of value.
2 Up to £500 in total for loss or theft of your personal money while on your journey.
What is not covered
Personal possessions and personal money - Part 4 1 & 2
An excess of £50 for each incident claimed for under this part.
1 More than £300 for any single article, pair or set of any kind, whether jointly owned or not.
More than the part of the pair or set that is stolen, lost or destroyed.
More than £350 in total for valuables, whether jointly owned or not.
Breakage of or damage to sports equipment (this does not include ski equipment) while it is being used, fragile articles, works of art, paintings, sculptures, computer games, musical instruments, audio, video, computer, television, fax, phone, portable satellite and scuba diving equipment and household goods unless the breakage or damage is caused by fire or accident to the vehicle in which they are being carried.
Loss or damage due to the climate, wear and tear, reduction in value, moths or vermin.
The cost of replacing or repairing false teeth.
Personal possessions sent as freight (such as suitcases you send ahead of you).
Loss or theft of, or damage to the following.
- Films, tapes, cassettes, cartridges or discs, unless they were pre-recorded, in which case we will pay up to the replacement cost.
- Goods which deteriorate, bottles or cartons, and any damage caused by these items or their contents.
- Pedal cycles, wheelchairs, prams, pushchairs or baby buggies except while they are being carried by public transport.
- Property specifically covered by other insurance.
- Valuables left in a motor vehicle.
- Valuables carried in suitcases, trunks or similar containers unless they are with you all the time.
- Valuables unless they are with you all the time or locked in a safe or safety deposit box (if one is available) or locked in the accommodation you are using on your journey.
- Contact or corneal lenses.
- Bonds, share certificates, guarantees or documents of any kind.
- Personal possessions that are not with you all the time unless they are locked in the accommodation you are using on your journey or they are out of sight in the locked boot or covered luggage area of a locked motor vehicle which has been broken into (no cover for valuables).
- Personal money.
2 More than £250 (£50 if you are aged 17 or under) in cash in total while on you, whether jointly owned or not.
Compensation unless you can provide receipts of the amount you had from the place where you got the currency.
Loss or theft of Personal money, unless it is with you all the time, locked in a safe or safety deposit box (if one is available) or locked in the accommodation you are
using on your journey.
Loss caused by a reduction in exchange rates or shortage caused by mistakes in exchanging currency.
Loss or theft of travellers cheques where the place where you got them provides a replacement service.
Travel tickets paid for using any airline mileage reward scheme.
Please read the General Conditions and Exclusions which also apply.

Personal possessions and personal money - Part 4
What is covered
You are only covered under this part when the appropriate premium has been paid
1 a Up to £1,500 in total for your personal possessions (this does not include ski equipment); and
Where cover is in place for winter sports:
b Up to £400 in total for your own ski equipment and up to £250 for ski equipment hired by you that is damaged, stolen, lost or destroyed on your journey. It will be our decision to pay either:
- the cost of repairing your items;
- to replace your items; or
- the cost of replacing your items, less an amount for wear, tear and loss of value.
2 Up to £500 in total for loss or theft of your personal money while on your journey.
What is not covered
Personal possessions and personal money - Part 4 1 & 2
An excess of £50 for each incident claimed for under this part.
1 More than £300 for any single article, pair or set of any kind, whether jointly owned or not.
More than the part of the pair or set that is stolen, lost or destroyed.
More than £350 in total for valuables, whether jointly owned or not.
Breakage of or damage to sports equipment (this does not include ski equipment) while it is being used, fragile articles, works of art, paintings, sculptures, computer games, musical instruments, audio, video, computer, television, fax, phone, portable satellite and scuba diving equipment and household goods unless the breakage or damage is caused by fire or accident to the vehicle in which they are being carried.
Loss or damage due to the climate, wear and tear, reduction in value, moths or vermin.
The cost of replacing or repairing false teeth.
Personal possessions sent as freight (such as suitcases you send ahead of you).
Loss or theft of, or damage to the following.
- Films, tapes, cassettes, cartridges or discs, unless they were pre-recorded, in which case we will pay up to the replacement cost.
- Goods which deteriorate, bottles or cartons, and any damage caused by these items or their contents.
- Pedal cycles, wheelchairs, prams, pushchairs or baby buggies except while they are being carried by public transport.
- Property specifically covered by other insurance.
- Valuables left in a motor vehicle.
- Valuables carried in suitcases, trunks or similar containers unless they are with you all the time.
- Valuables unless they are with you all the time or locked in a safe or safety deposit box (if one is available) or locked in the accommodation you are using on your journey.
- Contact or corneal lenses.
- Bonds, share certificates, guarantees or documents of any kind.
- Personal possessions that are not with you all the time unless they are locked in the accommodation you are using on your journey or they are out of sight in the locked boot or covered luggage area of a locked motor vehicle which has been broken into (no cover for valuables).
- Personal money.
2 More than £250 (£50 if you are aged 17 or under) in cash in total while on you, whether jointly owned or not.
Compensation unless you can provide receipts of the amount you had from the place where you got the currency.
Loss or theft of Personal money, unless it is with you all the time, locked in a safe or safety deposit box (if one is available) or locked in the accommodation you are
using on your journey.
Loss caused by a reduction in exchange rates or shortage caused by mistakes in exchanging currency.
Loss or theft of travellers cheques where the place where you got them provides a replacement service.
Travel tickets paid for using any airline mileage reward scheme.
Please read the General Conditions and Exclusions which also apply.

Medical emergency, repatriation and associated expenses - Part 2
What is covered
If you are taken into hospital or you think you may have to come home early or extend your journey because of illness or accident, we must be told immediately - see under the heading 24-hour medical emergency and repatriation service for more information.
We will pay you or your legal representatives for the following necessary emergency expenses which you run up within six months of the incident occurring during your journey.
1 Outside the United Kingdom.
a Up to £10 million for reasonable fees or charges you run up for:
i medical, surgical, hospital, nursing home or nursing services;
ii reasonable extra transport and accommodation costs for you and any one other person who stays or travels with you or to you from the United Kingdom on medical advice;
iii transporting your body or ashes to your home or we will pay up to £1,500 for your funeral expenses, in the place where you die outside the United Kingdom.
b £15 for each 24-hour period that you are in hospital as an in-patient up to £1,000 in total during the journey as well as any fees or charges paid under 1a.
c Up to £300 for emergency dental treatment to relieve sudden pain.
2 Within the United Kingdom.
Up to £1,000 for:
a reasonable extra transport and accommodation costs for you and any one other person who stays or travels with you or to you from within the United Kingdom on medical advice; and
b the reasonable cost of transporting your ashes or body home.
Where cover is in place for winter sports:
We will pay up to £25 for each 24-hour period period up to £400 in total for losing part of your prepaid ski pack if you cannot recover the costs from anywhere else, and you get written advice from a doctor that you cannot ski because of an injury or illness during your journey.

Piste closure - Part 11
What is covered
You are only covered under this part when cover is in place for winter sports
We will pay one of the following, if it is not possible for you to ski during your journey at your pre-booked ski resort, because there is not enough snow and as a result all ski-lifts and ski-schools are closed.
1 up to £20 for each 24-hour period up to £200 in total for the cost of extra transport or lift passes to let you ski at another resort; or
2 up to £20 for each 24-hour period up to £200 in total if no other resort is available.
What is not covered
Any compensation for the first full 24 hours at your booked ski resort.
Any journey in Bulgaria or the United Kingdom.
Any claim unless you have a letter from the ski-lift or ski-school operators giving the reason for closing the piste and showing the number of days the piste was
closed during your journey.
Compensation which you can get from your tour operator or anywhere else.
Costs if the ski-lifts or ski-schools in your pre-booked resort were closed when your policy was issued, if this is less than 14 days before the beginning of your journey.
Any journey beginning before 1st December or ending after 31st March.
Please read the General Conditions and Exclusions which also apply.

Piste closure - Part 11
What is covered
You are only covered under this part when cover is in place for winter sports
We will pay one of the following, if it is not possible for you to ski during your journey at your pre-booked ski resort, because there is not enough snow and as a result all ski-lifts and ski-schools are closed.
1 up to £20 for each 24-hour period up to £200 in total for the cost of extra transport or lift passes to let you ski at another resort; or
2 up to £20 for each 24-hour period up to £200 in total if no other resort is available.
What is not covered
Any compensation for the first full 24 hours at your booked ski resort.
Any journey in Bulgaria or the United Kingdom.
Any claim unless you have a letter from the ski-lift or ski-school operators giving the reason for closing the piste and showing the number of days the piste was
closed during your journey.
Compensation which you can get from your tour operator or anywhere else.
Costs if the ski-lifts or ski-schools in your pre-booked resort were closed when your policy was issued, if this is less than 14 days before the beginning of your journey.
Any journey beginning before 1st December or ending after 31st March.
Please read the General Conditions and Exclusions which also apply.

Piste closure - Part 11
What is covered
You are only covered under this part when cover is in place for winter sports
We will pay one of the following, if it is not possible for you to ski during your journey at your pre-booked ski resort, because there is not enough snow and as a result all ski-lifts and ski-schools are closed.
1 up to £20 for each 24-hour period up to £200 in total for the cost of extra transport or lift passes to let you ski at another resort; or
2 up to £20 for each 24-hour period up to £200 in total if no other resort is available.
What is not covered
Any compensation for the first full 24 hours at your booked ski resort.
Any journey in Bulgaria or the United Kingdom.
Any claim unless you have a letter from the ski-lift or ski-school operators giving the reason for closing the piste and showing the number of days the piste was
closed during your journey.
Compensation which you can get from your tour operator or anywhere else.
Costs if the ski-lifts or ski-schools in your pre-booked resort were closed when your policy was issued, if this is less than 14 days before the beginning of your journey.
Any journey beginning before 1st December or ending after 31st March.
Please read the General Conditions and Exclusions which also apply.

Avalanche closure - Part 10
What is covered
You are only covered under this part when cover is in place for winter sports
We will pay up to £40 for each full 24-hour period, up to £200 in total, for extra accommodation and transport costs you need to pay to get you to your journey
destination or back home because of an avalanche in your resort.
What is not covered
Compensation unless you get a letter from the relevant authority or your tour operators representative confirming the event.
Compensation which you can get from the company providing accommodation, your tour operator or anywhere else.
Please read the General Conditions and Exclusions which also apply.

Loss of passport and delayed personal possessions - Part 3
What is covered
1 Up to £250 towards the costs of replacing your passport if it is lost, stolen or destroyed on your journey.
2 a If your personal possessions are temporarily lost or stolen on your outward journey for more than 12 hours from when you arrived at your destination, we will pay up to £100 in total for essential replacement items.
You must send us the receipts for anything that you buy. We will take any amount we pay from the final claim settlement if the items are permanently lost.
Where cover is in place for winter sports:
b Up to £25 for each 24-hour period up to £400 in total for the hire of alternative ski equipment when temporarily lost or stolen on your outward journey for more than 24 hours from when you arrived at your destination. You must send us the receipts for anything that you buy.
We will take any amount we pay from the final claim settlement if the items are permanently lost.

Loss of passport and delayed personal possessions - Part 3
What is covered
1 Up to £250 towards the costs of replacing your passport if it is lost, stolen or destroyed on your journey.
2 a If your personal possessions are temporarily lost or stolen on your outward journey for more than 12 hours from when you arrived at your destination, we will pay up to £100 in total for essential replacement items.
You must send us the receipts for anything that you buy. We will take any amount we pay from the final claim settlement if the items are permanently lost.
Where cover is in place for winter sports:
b Up to £25 for each 24-hour period up to £400 in total for the hire of alternative ski equipment when temporarily lost or stolen on your outward journey for more than 24 hours from when you arrived at your destination. You must send us the receipts for anything that you buy.
We will take any amount we pay from the final claim settlement if the items are permanently lost.

Personal possessions and personal money - Part 4
What is covered
You are only covered under this part when the appropriate premium has been paid
1 a Up to £1,500 in total for your personal possessions (this does not include ski equipment); and
Where cover is in place for winter sports:
b Up to £400 in total for your own ski equipment and up to £250 for ski equipment hired by you that is damaged, stolen, lost or destroyed on your journey. It will be our decision to pay either:
- the cost of repairing your items;
- to replace your items; or
- the cost of replacing your items, less an amount for wear, tear and loss of value.

Personal possessions and personal money - Part 4
What is covered
You are only covered under this part when the appropriate premium has been paid
1 a Up to £1,500 in total for your personal possessions (this does not include ski equipment); and
Where cover is in place for winter sports:
b Up to £400 in total for your own ski equipment and up to £250 for ski equipment hired by you that is damaged, stolen, lost or destroyed on your journey. It will be our decision to pay either:
- the cost of repairing your items;
- to replace your items; or
- the cost of replacing your items, less an amount for wear, tear and loss of value.
2 Up to £500 in total for loss or theft of your personal money while on your journey.
What is not covered
Personal possessions and personal money - Part 4 1 & 2
An excess of £50 for each incident claimed for under this part.
1 More than £300 for any single article, pair or set of any kind, whether jointly owned or not.
More than the part of the pair or set that is stolen, lost or destroyed.
More than £350 in total for valuables, whether jointly owned or not.
Breakage of or damage to sports equipment (this does not include ski equipment) while it is being used, fragile articles, works of art, paintings, sculptures, computer games, musical instruments, audio, video, computer, television, fax, phone, portable satellite and scuba diving equipment and household goods unless the breakage or damage is caused by fire or accident to the vehicle in which they are being carried.
Loss or damage due to the climate, wear and tear, reduction in value, moths or vermin.
The cost of replacing or repairing false teeth.
Personal possessions sent as freight (such as suitcases you send ahead of you).
Loss or theft of, or damage to the following.
- Films, tapes, cassettes, cartridges or discs, unless they were pre-recorded, in which case we will pay up to the replacement cost.
- Goods which deteriorate, bottles or cartons, and any damage caused by these items or their contents.
- Pedal cycles, wheelchairs, prams, pushchairs or baby buggies except while they are being carried by public transport.
- Property specifically covered by other insurance.
- Valuables left in a motor vehicle.
- Valuables carried in suitcases, trunks or similar containers unless they are with you all the time.
- Valuables unless they are with you all the time or locked in a safe or safety deposit box (if one is available) or locked in the accommodation you are using on your journey.
- Contact or corneal lenses.
- Bonds, share certificates, guarantees or documents of any kind.
- Personal possessions that are not with you all the time unless they are locked in the accommodation you are using on your journey or they are out of sight in the locked boot or covered luggage area of a locked motor vehicle which has been broken into (no cover for valuables).
- Personal money.
2 More than £250 (£50 if you are aged 17 or under) in cash in total while on you, whether jointly owned or not.
Compensation unless you can provide receipts of the amount you had from the place where you got the currency.
Loss or theft of Personal money, unless it is with you all the time, locked in a safe or safety deposit box (if one is available) or locked in the accommodation you are
using on your journey.
Loss caused by a reduction in exchange rates or shortage caused by mistakes in exchanging currency.
Loss or theft of travellers cheques where the place where you got them provides a replacement service.
Travel tickets paid for using any airline mileage reward scheme.
Please read the General Conditions and Exclusions which also apply.

Loss of passport and delayed personal possessions - Part 3
What is covered
1 Up to £250 towards the costs of replacing your passport if it is lost, stolen or destroyed on your journey.
2 a If your personal possessions are temporarily lost or stolen on your outward journey for more than 12 hours from when you arrived at your destination, we will pay up to £100 in total for essential replacement items.
You must send us the receipts for anything that you buy. We will take any amount we pay from the final claim settlement if the items are permanently lost.
Where cover is in place for winter sports:
b Up to £25 for each 24-hour period up to £400 in total for the hire of alternative ski equipment when temporarily lost or stolen on your outward journey for more than 24 hours from when you arrived at your destination. You must send us the receipts for anything that you buy.
We will take any amount we pay from the final claim settlement if the items are permanently lost.
What is not covered
1 Compensation unless you get a letter from the consulate you reported the loss to.
2 Personal possessions sent as freight (such as suitcases you send ahead of you). 1 & 2 Loss or theft of, or damage to the following.
- Films, tapes, cassettes, cartridges or discs, unless they were pre-recorded, in which case we will pay up to the replacement cost.
- Goods which deteriorate, bottles or cartons, and any damage caused by these items or their contents.
- Pedal cycles, wheelchairs, prams, pushchairs or baby buggies except while they are being carried by public transport.
- Property specifically covered by other insurance.
- Valuables left in a motor vehicle.
- Valuables carried in suitcases, trunks or similar containers unless they are with you all the time.
- Valuables unless they are with you all the time or locked in a safe or safety deposit box (if one is available) or locked in the accommodation you are using on your journey.
- Contact or corneal lenses.
- Bonds, share certificates, guarantees or documents of any kind.
- Personal possessions that are not with you all the time unless they are locked in the accommodation you are using on your journey or they are out of sight in the locked boot or covered luggage area of a locked motor vehicle which has been broken into (no cover for valuables).
- Personal money.
Please read the General Conditions and Exclusions which also apply.

Cancellation or curtailment charges - Part 1
What is covered
If you think you may have to cut your journey short (curtail), we must be told immediately - see under the heading 24-hour medical emergency and repatriation service for more information.
We will pay up to £3,000 in total for your part of unused personal accommodation, transport charges and extra travel expenses which have been paid or where
there is a contract to pay before your journey begins that cannot be recovered from anywhere else:
Where cover is in place for winter sports:
We will pay up to £25 for each 24-hour period up to £400 in total for your ski pack costs that cannot be recovered from anywhere else.
We will provide this cover in the following necessary circumstances.
1 If you cancel your journey before it begins because one of the following happens after the date your policy or travel tickets for your journey were booked.
a The death, serious injury or serious illness of you, your relative, someone you are travelling with, a business associate who lives in the United Kingdom or a friend you were going to stay with.
b You or someone you are travelling with is called for jur y service in the United Kingdom or as a witness in a court in the United Kingdom.
c You or someone you are travelling with is needed by the police following a burglary, or damage caused by serious fire, storm, flood, explosion, subsidence, vandalism, fallen trees, impact by aircraft or vehicle at your home or their home or usual place of business in the United Kingdom.
d Your redundancy.
2 You cut your journey short (curtail) after it has begun because of one of the following.
a 1a, 1b or 1c above.
b You are injured or ill and are in hospital for the rest of your journey.
We will calculate curtailment claims from the day it is necessary for you to return to the United Kingdom or you are hospitalised as an in-patient, for the rest of your journey.
We will pay personal accommodation and extra travel expenses based on each 24-hour period you have lost. If we pay extra transport costs in the event of your
repatriation, your unused travel tickets will then belong to us.
What is not covered
An excess of £50 (or £15 if you are only claiming for your lost deposit) for each incident claimed for under this part.
Anything mentioned under the medical warranty (on page 2).
Travel tickets paid for using any airline mileage reward scheme.
Anything caused by:
- you not having the correct passport or visa;
- any restriction caused by the law of any country or people enforcing these laws;
- bankruptcy or liquidation of the company providing your transport or accommodation, their agents or any person acting for you;
- anything the company providing your transport or accommodation, their agents, any person acting for you or your conference organiser is responsible for;
- your vehicle being stolen or breaking down;
- you not wanting to travel or not enjoying your journey;
- riot, civil commotion, strike or lock-out;
- you travelling in an aircraft (except as a passenger in a fully-licensed, passenger carrying aircraft);
- your suicide, self-injury or deliberately putting yourself at risk (unless you were trying to save another persons life);
- you being under the influence of drugs (except those prescribed by a registered doctor but not for the treatment of drug addiction);
- the direct or indirect effect of you using alcohol or solvents;
- the death of any pet or animal.
1 Any extra cancellation charges, because you did not tell the company providing your transport or accommodation, their agents or any person acting for you, as
soon as you knew you had to cancel. Cancellation because of pregnancy or childbirth, where the due date is less than 8 weeks after your journey ends (unless this was confirmed after the date your policy or travel tickets for your journey were booked and is medically necessary).
Financial circumstances or unemployment, except caused by redundancy which you find out about after the date your policy or travel tickets for your journey were booked.
2 Cutting short your journey unless we have agreed.
Cutting short your journey because of pregnancy or childbirth, where the due date is less than 8 weeks after your journey ends.
Any costs when you do not get a medical certificate (from the doctor who treated you in the place where you were staying) which says it was necessary for
you to come home because of death, injury or illness. Our doctor must have agreed with the reason and that you were fit to travel.
The cost of your original pre-booked tickets if you have not used them and we have paid extra transport costs to repatriate you.
You travelling on a motorcycle over 125cc, unless the rider holds a valid licence which lets them ride a motorcycle of more than 125cc.
Anything caused by you taking part in manual work.
Anything caused by you taking part in a dangerous activity (unless an extra premium has been paid for this cover).
Please read the General Conditions and Exclusions which also apply.

Missed departure - Part 6
What is covered
We will pay you up to £1,000 compensation for the cost of extra accommodation and transport which you have to pay to get to your journey destination or back home because you do not get to the departure point by the time shown in your travel itinerary (plans) because:
- public transport does not run to its timetable; or
- the vehicle you are travelling in has an accident or breaks down.
What is not covered
Any journey within the United Kingdom not involving a sea crossing.
Compensation, unless you get a letter from the public transport provider (if this applies) confirming that the service did not run on time.
Compensation, unless you get confirmation of the delay from the authority who went to the accident or breakdown (if this applies) affecting the vehicle you were
travelling in.
Compensation unless you have allowed time in your travel plans for delays which are expected.
Any delay caused by a riot, civil commotion, strike or industrial action which began or was announced before your policy or travel tickets for your journey were booked.
Failure of public transport caused by a riot, civil commotion, strike or industrial action which began or was announced before you left home or where you could have
reasonably made other travel arrangements.
Please read the General Conditions and Exclusions which also apply.

Departure delay - Part 7
What is covered
Compensation if the flight, international train or sailing you are booked on is delayed at its departure point by more than 12 hours from the time shown in your
travel itinerary (plans) because of:
- a serious fire, storm or flood damage to the departure point;
- industrial action;
- bad weather;
- mechanical breakdown of the international train or sea vessel; or
- the grounding of the aircraft due to a mechanical or a structural defect.
We will pay:
1 £25 after the first full 12 hours of delay and £15 after each extra delay of 12 hours up to £300 in total; or
2 up to £3,000 in total for your part of the costs of the journey which have been paid or where there is a contract to pay before the start of the journey that cannot be recovered from anywhere else, if, after you have been delayed for more than 12 hours, you decide to abandon the journey before you leave the United Kingdom.
What is not covered
2 An excess of £50 for each incident claimed for under this part.
Travel tickets paid for using any airline mileage reward scheme.
1 & 2
Anything which is caused by you not checking in at the departure point when you should have done.
Missed connections.
Any journey within the United Kingdom not involving a sea crossing.
Compensation unless you get a letter from the airline, railway company or shipping line giving the reason for the delay and showing the scheduled departure time and the actual departure time of the flight, international train or sea vessel.
Any delay caused by a riot, civil commotion, strike or industrial action which began or was announced before your policy or travel tickets for your journey were booked.
Please read the General Conditions and Exclusions which also apply.

Departure delay - Part 7
What is covered
Compensation if the flight, international train or sailing you are booked on is delayed at its departure point by more than 12 hours from the time shown in your
travel itinerary (plans) because of:
- a serious fire, storm or flood damage to the departure point;
- industrial action;
- bad weather;
- mechanical breakdown of the international train or sea vessel; or
- the grounding of the aircraft due to a mechanical or a structural defect.
We will pay:
1 £25 after the first full 12 hours of delay and £15 after each extra delay of 12 hours up to £300 in total; or
2 up to £3,000 in total for your part of the costs of the journey which have been paid or where there is a contract to pay before the start of the journey that cannot be recovered from anywhere else, if, after you have been delayed for more than 12 hours, you decide to abandon the journey before you leave the United Kingdom.
What is not covered
2 An excess of £50 for each incident claimed for under this part.
Travel tickets paid for using any airline mileage reward scheme.
1 & 2
Anything which is caused by you not checking in at the departure point when you should have done.
Missed connections.
Any journey within the United Kingdom not involving a sea crossing.
Compensation unless you get a letter from the airline, railway company or shipping line giving the reason for the delay and showing the scheduled departure time and the actual departure time of the flight, international train or sea vessel.
Any delay caused by a riot, civil commotion, strike or industrial action which began or was announced before your policy or travel tickets for your journey were booked.
Please read the General Conditions and Exclusions which also apply.

Personal liability - Part 8
What is covered
If you are hiring a motorised or mechanical vehicle, while on your journey you must make sure that you get the necessary insurance from the hire company. We do not cover this under our policy.
We will pay up to £2 million plus any other costs we agree to in writing that relate to anything you cause during your journey for which you are legally liable and results in one of the following.
1 Bodily injury of any person.
2 Loss of or damage to property which you do not own and you or a relative have not hired, loaned or borrowed.
3 Loss of or damage to the accommodation you are using on your journey that does not belong to you or a relative.
What is not covered
Any liability for bodily injury or loss of or damage to property that comes under any of the following categories.
- Something which is suffered by anyone employed by you or a relative and is caused by the work they are employed to do.
- Something which is caused by something you deliberately did or did not do.
- Something which is caused by your employment or employment of a relative.
- Something which is caused by you using any firearm or weapon.
- Something which is caused by any animal you own, look after or control, except horses, domestic dogs and cats.
- Something which you agree to take responsibility for which you would not otherwise have been responsible for.
Any liability for bodily injury suffered by you or a relative.
Compensation or other costs caused by accidents arising from your ownership or possession of any of the following.
- The use of any land or building except for the accommodation you are using on your journey.
- Motorised or mechanical vehicles and any trailers attached to them.
- Aircraft, motorised water craft or sailing vessels, except boats designed for and being used as accommodation on your journey.
Please read the General Conditions and Exclusions which also apply.

Dangerous activity -
- any professional sporting activity;
- any sporting activity except: archery, badminton, banana boating, baseball, basket ball, bowls, cricket, curling, cycling, deep sea fishing, fell walking, fishing, glacier walking, golf, gymnastics, heptathlon, hiking, ice skating, kite surfing, marathon running, mountain biking, netball, orienteering, pony trekking, racket ball, rambling, ringos, rounders, running, scuba diving to a depth of 30 metres (if you hold a certificate of proficiency or you are diving with a qualified instructor), snorkelling, softball, squash, surfing, table tennis, tennis, ten pin bowling, trekking, tug of war, volley ball, wakeboarding, walking, water polo, water skiing, windsurfing and zorbing; or
- any kind of racing except racing on foot.
You may be able to cover yourself for an activity that is not listed by contacting your issuing agent. An extra premium may need to be paid.

General exclusions
1 We will not cover you for any loss, injury, damage, illness, death or legal liability arising directly or indirectly from, or consisting of, the following.
a A relevant fact that you knew about before you travelled, unless we agreed to it in writing.
b War, riot, revolution, act of terrorism or any similar event.
c You not following any suggestions or recommendations made by any government or other official authority during the period of insurance.
d Your property being held, taken, destroyed or damaged under the order of any government or customs officials.
e Winter sports for more than 17 days in total during the period of cover.
f Ionising radiation or radioactive contamination from nuclear fuel or nuclear waste or any risk from nuclear equipment.
g Any currency exchange rate changes.
h Any epidemic or pandemic.
i The failure or fear of failure or inability of any equipment or any computer program, whether or not you own it, to recognise or to correctly interpret or process any date as the true or correct date, or to continue to function correctly beyond that date (except under parts 2 and 5).
2 Any loss caused as a direct or indirect result of anything you are claiming for, unless it says differently in the policy.
3 Any part of a journey which is booked to last longer than 31 days.
4 Any part of a journey in the United Kingdom which is booked to last for less than three days.

General exclusions
1 We will not cover you for any loss, injury, damage, illness, death or legal liability arising directly or indirectly from, or consisting of, the following.
h The failure or fear of failure or inability of any equipment or any computer program, whether or not you own it, to recognise or to correctly interpret or process any date as the true or correct date, or to continue to function correctly beyond that date (except under parts 2 and 5).

General Conditions
We will act in good faith in all our dealings with you.
We will only pay your claim if you meet the following conditions.
1 You are a resident of the United Kingdom.
2 You take reasonable care to protect yourself and your property against accident, injury, loss and damage.
3 You have a valid policy schedule.
4 You get a medical certificate from the doctor who treated you when a claim is made for medical reasons. If you die, we need to see the death certificate, and any other necessary documents.5 You write to us within 31 days of returning home with full details of anything which may result in a claim.
6 You send us every writ, summons or other communication to do with a claim as soon as you get it.
7 You give us all the information, documents, evidence, vouchers, receipts and bills we need (including details of your household insurance under which your valuables may need to be insured separately depending on their value). You must do this at your own expense.
8 You do not admit liability or offer to pay any claim unless you have our written permission.
9 You accept that no alterations to the terms and conditions of the policy apply, unless we or our issuing agent confirm them in writing.
10 You are not aged 75 or over at the date your policy was issued.
11 All cover ends 12 months after your policy was issued. You accept that we will not extend the period of cover other than in the circumstances noted in Extending the period of cover above.
12 You are the lead name on the policy schedule, or you are travelling with joining or returning from the lead name on the policy schedule.
- The following conditions apply to claims under parts 3 and 4
1 You must keep all your tickets and luggage tags.
2 You must get an estimate for repair for all damage claims. If possible, you should keep the damaged items so that we can inspect them and if we make a payment or we replace an item, the item will then belong to us.
3 If something is lost or stolen, you must tell the police as soon as possible but within 24 hours of discovering the loss and get a report from them. You should
also get a report from your tour operators representative or your hotel or apartment manager if this is appropriate. If the loss or theft happens while you are travelling, you must tell the carriers and get a property irregularity report form from them.
4 You must keep to the carriers conditions of carriage.
5 You must not abandon any property.

What is not covered
An excess of £50 for each incident claimed for under this part, unless your claim is reduced because you used an EHIC or any other reciprocal health arrangement (see Reciprocal Health arrangements on page 3 for more information).
The cost of replacing any medication you were using when you began your journey