BIBA Annual Multi Trip

60 days

Section 1 - Medical and Other Expenses
1. Journeys outside the United Kingdom To pay:
A. up to £10,000,000 in total in respect of:
i. medical, hospital and treatment expenses (including the cost of emergency dental treatment for the immediate relief of pain only but limited to £400 in total), ambulance charges, cost of rescue services, reasonable accommodation and/or travelling and/or repatriation expenses to the United Kingdom (including such reasonable and necessary additional accommodation and travelling expenses including those of one Relative or friend required on medical advice to stay or travel with the Insured Person or if you are a child and require an escort) necessarily and reasonably incurred outside the United Kingdom on medical advice as a direct result of the Insured Person sustaining accidental bodily injury or suffering the onset of illness during the Operative Time of Cover
ii. reasonable additional hotel and travel costs incurred in the event of the necessary repatriation of the Insured Person to his/her home or place of business within the United Kingdom as a result of the sudden and unexpected death, serious injury or serious illness occurring during the Operative Time of Cover of the Insured Persons Relative or Close Business Colleague
B. the reasonable charges in the event of death occurring during the Operative Time of Cover of:
i. burial or cremation of the Insured Person in the locality where death occurs not exceeding £1,000 in total or
ii. transporting the Insured Persons remains or ashes to his/her home in the United Kingdom (excluding funeral or interment costs) not exceeding £5,000 in total subject to the prior approval of the Company
PROVIDED THAT:
1. cover under this Sub-Section 1 shall apply only in respect of Journeys outside the United Kingdom
2. the amount payable shall not exceed the amounts stated or £10,000,000 in total and shall only be in respect of costs incurred within 12 months of the date of the incident giving rise to the claim
3. the Company reserves the right to repatriate to the United Kingdom when in the opinion of the Companys medical advisers the Insured Person is fit to travel
4. the Assistance Company is notified:
a. PRIOR TO the Insured Person being admitted as an inpatient to any hospital, clinic or nursing home. If this is not possible because of the seriousness of the condition then you must contact the Assistance Company as soon as possible after being admitted
b. PRIOR TO any repatriation arrangements being made
c. in the event of the death of the Insured Person - PRIOR TO burial, cremation or transportation of the Insured Persons remains to the United Kingdom and has authorised any costs to be incurred.
Excess
This insurance does not cover the first £40 per Insured Person (£80 per family) in respect of each separate incident giving rise to a claim hereunder except where medical expenses have been reduced by the use of an EHIC or contribution from the Insured Persons private health insurance in which case PROVIDED THAT liability has been accepted by the Company for such reduced medical expenses the excess will be reduced by the amount of such reduction or contribution up to a maximum reduction of £40 per Insured person (£80 per family).
2. Journeys within the United Kingdom
To pay up to:
A. £250 in total in respect of EMERGENCY medical and treatment expenses (including the cost of EMERGENCY dental treatment for the immediate relief of pain only but limited to £100 in total) necessarily and reasonably incurred within the United Kingdom on medical advice as a direct result of the Insured Person sustaining accidental bodily injury or suffering the onset of illness during the Operative Time of Cover
B. £10,000 in total in respect of reasonable accommodation and/or travelling and/or repatriation expenses to the Insured Persons home or to the most suitable hospital or nursing home near to the Insured Persons home within the United Kingdom (including reasonable and necessary additional accommodation and travelling expenses of one relative or friend required on medical advice to stay or travel with the Insured Person or if you are a child and require an escort) necessarily and reasonably incurred on medical advice as a direct result of the Insured Person sustaining accidental bodily injury or suffering the onset of illness during the Operative Time of Cover
C. £1,000 in total in respect of reasonable charges for the cost of transporting the Insured Persons remains or ashes to the Insured Persons home in the United Kingdom (excluding funeral or interment costs) in the event of death occurring during the Operative Time of Cover
D. £500 in total in respect of all reasonable additional hotel and travel costs incurred in the event of the necessary repatriation of the Insured Person to his/her home or place of business within the United
Kingdom as a result of the sudden and unexpected death, serious injury or serious illness occurring during the Operative Time of Cover of the Insured Persons Relative or Close Business Colleague
PROVIDED THAT:
1. cover under this Sub-Section 2 shall apply only in respect of Journeys solely within the United Kingdom
2. the amount payable shall not exceed the amounts stated or £10,000 in total and shall only be in respect of costs incurred within 12 months of the date of the incident giving rise to the claim
3. the Assistance Company is notified PRIOR TO any repatriation or transportation arrangements being made and has authorised any costs to be incurred
Excess
This insurance does not cover the first £40 per Insured Person (£80 per family) in respect of each separate incident giving rise to a claim hereunder.
Exclusions
This insurance does not cover:
1. any claim arising out of a Material Fact which you have not declared to us
2. any claims arising if at the time of purchasing this insurance the Insured Person:
A. is aware of any circumstances which could reasonably be expected to give rise to a claim under this insurance
B. has had a cancerous, cardio-vascular, cerebrovascular, renal, psychiatric or mental condition
C. has had any other medical condition which is under the supervision of a hospital or a consultant or doctor or has required any hospital admission or treatment in the previous 12 months
D. has been taking continuous medication and has had any change in medication or increase in dosage in the previous 12 months resulting from a deterioration in the condition being treated
E. has any medical conditions for which the Insured Person is on a hospital or specialists waiting list for inpatient or outpatient treatment or investigation
F. is awaiting the results of any tests or investigations
G. has been advised of a terminal prognosis However the Company may agree in writing not to apply exclusions 1. or 2A. to G. or the Company may impose special terms if the Insured Person applies to
the Company with details of the condition by calling the TMEI medical referral helpline on 0845 070 3593 and this insurance is suitably endorsed in writing
3. any claim if the Insured Person travels against medical advice
4. the following costs and expenses unless they have been authorised by the Assistance Company
A. inpatient, hospital, clinic or nursing home expenses
B. repatriation transportation or additional hotel or travel costs and expenses
C. burial or cremation costs outside the United Kingdom
D. charges levied for services rendered or treatment received in the United Kingdom
5. any elective medical or dental treatment or exploratory tests
6. dental work involving precious material
7. treatment which in the opinion of a medical or dental practitioner could reasonably be delayed until the return of the Insured Person to the United Kingdom
8. medical, hospital or treatment expenses which the Insured Person knows at the time of departure on the Journey will be required or required to be continued during the course of such Journey
9. charges levied for services rendered or treatment received after 12 months from the date of any incident giving rise to a claim.
Condition
It is a requirement of this insurance that if between the date of purchasing this insurance and the date of the Journey the Insured Person is first diagnosed as having a medical condition, the Insured Person must give details of the condition by calling the TMEI medical referral helpline on 0845 070 3593. The Company reserve the right to impose special terms in the light of any such details disclosed.

Section 4 - Personal Accident
To pay to the Insured Person the applicable undermentioned benefit if during the Operative Time of Cover the Insured Person sustains accidental bodily injury by violent external and visible means (including unavoidable exposure to the natural elements) which independently of any other cause results within 12 months from the date of such bodily injury in the death, loss of limb, loss of sight in one or both eyes or permanent total disablement of the Insured Person.
Benefit
1. Death - £25,000
2. Loss of Limb - meaning total and permanent loss of use by physical separation or otherwise of one or both hands at or above the wrist joint and/or one or both feet at or above the level of the ankle (talo-tibular joint) - £25,000
3. Loss of Sight in one or both eyes - meaning total and permanent loss of sight which shall be deemed to have occurred:
A. in both eyes when the Insured Persons name has been added to The Register of Blind Persons on the authority of a qualified ophthalmic specialist - £25,000
B. in one eye when the degree of sight remaining after correction is 3/60 or less on the Snellen Scale and the Company is satisfied that the condition is permanent and without expectation of recovery - £25,000
4. Permanent Total Disablement - meaning total and permanent disablement which prevents the Insured Person from engaging in or giving attention to any business or occupation of any and every kind having
lasted for 12 consecutive months from the date of the accident and having been proved to the Companys satisfaction to be beyond the hope of improvement - £25,000
Conditions
1. The Company shall not pay more than one benefit in connection with the same accident.
2. In respect of any Insured Person under the age of 16 years at the time of bodily injury Benefit 1 Death - will be limited to £1,000.

Section 13 - Hospitalisation/Unprovoked Assault/Hijack and Kidnap Benefit
To pay to the Insured Person £50 for each full period of 24 hours during the Operative Time of Cover that he/she:
1. spends in hospital as an inpatient or is confined to his/her room on the orders of a qualified medical practitioner as a result of physical medical incapacity (other than over exposure to the natural elements)
PROVIDED THAT:
A. the Company has accepted liability under Section 1 - Medical and Other Expenses - covers A or B for the costs of such hospitalisation or consultation with a qualified medical practitioner or treatment received
from a qualified medical practitioner or would have accepted liability for such costs had they been incurred outside of the United Kingdom or were it not for the Excess under that Section of this policy
B. the Insured Person provides the Company within 30 days of returning from the Journey with a medical certificate confirming the period he/she was hospitalised or confined to his/her room and the cause of such hospitalisation or confinement In the event that the Insured Person is hospitalised as a direct result of malicious and unprovoked assault by any person or persons not known to him/her this benefit will be doubled PROVIDED THAT the Insured Person reports the matter to the police IMMEDIATELY he/she is able to do so and provides the Company within 30 days of returning from the Journey with a police report confirming such
2. is unlawfully detained against his/her will (whether hijacked, kidnapped or otherwise) by any person or persons not known to him/her PROVIDED THAT the Insured Person reports the matter to the police
IMMEDIATELY upon his/her release and provides the Company within 30 days of returning from the Journey with a police report confirming the he/she was unlawfully detained and the dates of such detention
and subject to a maximum overall benefit of £1,000 (proportionately increased in respect of any successful claim under benefit 1 above due to malicious and unprovoked assault by any person or persons not known to the Insured Person subject to an overall maximum benefit of £2,000).

Section 1 - Medical and Other Expenses
1. Journeys outside the United Kingdom To pay:
A. up to £10,000,000 in total in respect of:
i. medical, hospital and treatment expenses (including the cost of emergency dental treatment for the immediate relief of pain only but limited to £400 in total), ambulance charges, cost of rescue services, reasonable accommodation and/or travelling and/or repatriation expenses to the United Kingdom (including such reasonable and necessary additional accommodation and travelling expenses including those of one Relative or friend required on medical advice to stay or travel with the Insured Person or if you are a child and require an escort) necessarily and reasonably incurred outside the United Kingdom on medical advice as a direct result of the Insured Person sustaining accidental bodily injury or suffering the onset of illness during the Operative Time of Cover

Section 1 - Medical and Other Expenses
1. Journeys outside the United Kingdom To pay:
B. the reasonable charges in the event of death occurring during the Operative Time of Cover of:
i. burial or cremation of the Insured Person in the locality where death occurs not exceeding £1,000 in total or
ii. transporting the Insured Persons remains or ashes to his/her home in the United Kingdom (excluding funeral or interment costs) not exceeding £5,000 in total subject to the prior approval of the Company

Section 1 - Medical and Other Expenses
1. Journeys outside the United Kingdom To pay:
B. the reasonable charges in the event of death occurring during the Operative Time of Cover of:
i. burial or cremation of the Insured Person in the locality where death occurs not exceeding £1,000 in total or
ii. transporting the Insured Persons remains or ashes to his/her home in the United Kingdom (excluding funeral or interment costs) not exceeding £5,000 in total subject to the prior approval of the Company

Section 6 - Personal Money
This section only applies if shown on your policy certificate as being included. To pay:
1. up to £500 in total in respect of accidental loss of personal Money owned solely by the Insured Person occurring during the Operative Time of Cover
2. up to £100 in total in respect of fraudulent use of the Insured Persons own personal credit card(s) occurring during the Operative Time of Cover
PROVIDED THAT:
1. when not being carried by the Insured Person Money and credit cards must be kept in a safe or safety deposit box if one is available within the booked accommodation occupied by the Insured Person
2. all losses are reported to the police and a written report obtained from them within 24 hours of discovery and in respect of loss of travellers cheques and/or credit cards such loss is also reported to the appropriate issuing authority within 24 hours of discovery
3. loss of pounds sterling currency is limited to the amount permitted by currency regulations in force at the date of the Journey but not exceeding the above limit.
Excess
This insurance does not cover the first £40 per Insured Person (£80 per family) in respect of each separate incident giving rise to a claim.
Exclusions Applicable to Sections 5, 6 and 7
This insurance does not cover:
1. loss, damage, theft or attempt thereat of:
A. Money, credit cards, passport or personal baggage left unattended in the open or any public place
B. the Insured Persons Valuables, Money, credit cards or passport from any Unattended Vehicle or from personal baggage unless carried by hand and under the personal supervision of the Insured Person
C. personal baggage from any Unattended Vehicle:
i. between the hours of 8pm and 9am local time
ii. at any other time unless:
a. the vehicle has been secured from unauthorised entry and
b. the personal baggage has been hidden from view and
c. there is evidence of violent and forcible entry to or exit from the vehicle
D. personal baggage from any roof rack, external rack or container
2. loss or damage caused by or arising from:
A. delay, confiscation or detention by Customs or other officials or authorities
B. fraud or deception
3. loss of or damage to:
A. stamps, documents, contact or corneal lenses, hearing aids, alcohol, tobacco (or tobacco products), perishable goods, motor vehicles (or accessories), antiques or mobile telephones
B. sports equipment whilst in use
C. business goods, samples or tools
4. loss or damage due to wear and tear, gradual deterioration, atmospheric or climatic conditions, insects, parasites, vermin, mechanical or electrical breakdown, scratching, denting or any process of cleaning, drying, alteration or repair
5. shortages due to error, omission or depreciation in value
6. damage to brittle articles (including teeth or dentures).

Section 17 - Legal Expenses
Important - cover under this Section is underwritten and administered by DAS Legal Expenses Insurance Company Limited (DAS)
DAS agree to provide the insurance in this section as long as:
1. the Date of Occurrence of the Insured Incident is during the Operative Time of cover; and
2. any legal proceedings will be dealt with by a court, or other body which DAS agree to; and
3. for civil claims it is always more likely than not that an Insured Person will recover damages (or obtain any other legal remedy which DAS have agreed to) or make a successful defence.
DAS will help in appealing or defending an appeal as long as the Insured Person informs DAS within the time limits allowed that they want to appeal. Before DAS pay the Legal Costs for appeals, DAS must agree that it is always more likely than not that the appeal will be successful.
DAS will pay the Costs and Expenses charged by a Representative appointed by DAS.
The most DAS will pay for all claims resulting from one or more events arising at the same time or from the same cause is £50,000.
Definitions applicable to this section Insured Person
Each person stated on the policy certificate as being insured.
Representative
The lawyer or other suitably qualified person, who has been appointed by DAS to act for an Insured Person in accordance with the terms of this section.
Date of Occurrence
The date of the event which may lead to a claim. If there is more than one event arising at different times from the same cause, then the Date of Occurrence is the date of the first of these events.
Costs and Expenses
All reasonable and necessary costs chargeable by the Representative on a standard basis. DAS will also pay the costs incurred by opponents in civil cases if an Insured Person has been ordered to pay them, or pays them with DASs agreement.
Insured Incident
DAS will negotiate for an Insured Persons legal rights in a claim against a party who causes the death of or bodily injury to, the Insured Person.
Exclusions
DAS shall not be liable for:
1. a claim reported to DAS more than 180 days after the Insured Person should have known about the Insured Incident
2. an incident or matter arising before the start of this cover
3. Costs and Expenses incurred before DASs written acceptance of a claim
4. any claim relating to any illness or bodily injury which happens gradually or is not caused by a specific or sudden accident
5. defending an Insured Persons legal rights, but defending a counter-claim is covered
6. fines, penalties, compensation or damages which an Insured Person is ordered to pay by a court or other authority
7. an Insured Incident intentionally brought about by an Insured Person
8. a legal action that an Insured Person takes which DAS or the Representative have not agreed to or where the Insured Person does anything that hinders DAS or the Representative
9. a claim relating to an Insured Persons alleged dishonesty or alleged violent behaviour
10. a claim relating to written or verbal remarks which damage an Insured Persons reputation
11. a dispute with DAS not otherwise dealt with under Condition 7
12. a claim directly or indirectly caused by or resulting from any device failing to recognise, interpret or process any date as its true calendar date
13. apart from DAS the Insured Person is the only person who may enforce all or any part of this section and the rights and interests arising from or connected with it.
This means that the Contracts (Rights of Third Parties) Act 1999 does not apply to this section in relation to any third party rights or interest.
14. an application for judicial review
15. any Costs and Expenses that are incurred where the Representative handles the claim under a contingency fee arrangement
16. a claim against Tokio Marine Europe Insurance Limited or its agents
17. a claim against any insurance intermediary agent of Tokio Marine Europe Insurance Limited
18. a claim relating to Deep Vein Thrombosis or its symptoms that result from an Insured Person travelling by air.
Conditions
An Insured Person must:
1. A. try to prevent anything happening that may cause a claim
B. take reasonable steps to keep any amount DAS have to pay as low as possible
C. send everything DAS ask for, in writing
D. give DAS full details of any claim as soon as possible and give DAS any information DAS need
2. A. DAS can take over and conduct, in the name of an Insured Person, any claim or legal proceedings at any time. DAS can negotiate any claim on behalf of an Insured Person
B. the Insured Person is free to choose a Representative (by sending DAS a suitably qualified persons name and address) if:
i. DAS agree to start court proceedings and it becomes necessary for a lawyer to represent the interests of an Insured Person in those proceedings; or
ii. there is a conflict of interest DAS may choose not to accept the Insured Persons choice, but only in exceptional circumstances. If there is a disagreement over the choice of Representative in these circumstances, the Insured Person may choose another suitably qualified person
C. in all circumstances except those in 2B above, DAS are free to choose a Representative
D. any Representative will be appointed by DAS to represent an Insured Person according to DAS standard terms of appointment. The Representative must co-operate fully with DAS at all times
E. DAS will have direct contact with the Representative
F. an Insured Person must co-operate fully with DAS and the Representative and must keep DAS up to date with the progress of the claim
G. an Insured Person must give the Representative any instructions that DAS require
3. A. an Insured Person must tell DAS if anyone offers to settle the claim
B. if an Insured Person does not accept a reasonable offer to settle a claim, DAS may refuse to pay further Costs and Expenses
C. DAS may decide to pay an Insured Person the amount of damages that the Insured Person is claiming, or which is being claimed against them instead of starting or continuing legal proceedings
4. A. an Insured Person must tell the Representative to have Costs and Expenses taxed, assessed or audited, if DAS ask for this
B. an Insured Person must take every step to recover Costs and Expenses that DAS have to pay and must pay DAS any Costs and Expenses that are recovered
5. if the Representative refuses to continue acting for an Insured Person or if an Insured Person dismisses a Representative, the cover DAS provide will end at once, unless DAS agree to appoint another Representative
6. if an Insured Person settles a claim or withdraws it without the agreement of DAS, or does not give suitable instructions to a Representative, the cover DAS provide will end at once and DAS will be entitled to reclaim any Costs and Expenses DAS have paid
7. if DAS and an Insured Person disagree about the choice of a Representative, or about the handling of a claim, DAS and the Insured Person can choose another suitably qualified person to decide the matter. DAS and the Insured Person must both agree to the choice of this person in writing. Failing this, DAS will ask the president of a relevant national law society to choose a suitably qualified person. All costs of resolving the disagreement must be paid by the party whose argument is rejected
8. DAS may, at DASs discretion, require the Insured Person to obtain, at their expense, an opinion from a lawyer or other suitably qualified person chosen by the Insured Person and DAS, as to the merits of a claim or proceedings. If the chosen persons opinion indicates that it is more likely than not that an Insured Person will recover damages (or obtain any other legal remedy that DAS have agreed to) or make a successful defence, DAS will pay the cost of obtaining the opinion
9. DAS will not pay any claim covered under any other policy, or any claim that would have been covered by any other policy if this cover did not exist
10. this section will be governed by English law.
Eurolaw Legal Advice
In connection with a trip DAS will give an Insured Person confidential legal advice over the phone on any personal legal problem, under the laws of the member countries of the European Union, Isle of Man, the Channel Islands, Switzerland and Norway.
DAS will not accept responsibility if the Helpline Service fails for reasons DAS cannot control.
To contact the above service, phone DAS on +44 (0)117 934 2111. When phoning, please quote your policy number and reference: AMT.

Section 7 - Loss of Passport
To pay up to £500 in total in respect of replacement cost of passport plus reasonable additional accommodation and travel expenses incurred only by the Insured Person as a result of the loss of his/her passport occurring whilst outside the United Kingdom during the Operative Time of Cover
PROVIDED THAT:
1. upon discovery immediate notification shall be given to the nearest British Consulate or if not holding a British passport to the Insured Persons nearest Embassy and a written report of the loss obtained from them
2. when not being carried by the Insured Person the passport must be kept in a safe or safety deposit box if one is available within the booked accommodation occupied by the Insured Person.
Excess
This insurance does not cover the first £40 per Insured Person (£80 per family) in respect of each separate incident giving rise to a claim.

Section 13 - Hospitalisation/Unprovoked Assault/Hijack and Kidnap Benefit
To pay to the Insured Person £50 for each full period of 24 hours during the Operative Time of Cover that he/she:
1. spends in hospital as an inpatient or is confined to his/her room on the orders of a qualified medical practitioner as a result of physical medical incapacity (other than over exposure to the natural elements)
PROVIDED THAT:
A. the Company has accepted liability under Section 1 - Medical and Other Expenses - covers A or B for the costs of such hospitalisation or consultation with a qualified medical practitioner or treatment received
from a qualified medical practitioner or would have accepted liability for such costs had they been incurred outside of the United Kingdom or were it not for the Excess under that Section of this policy
B. the Insured Person provides the Company within 30 days of returning from the Journey with a medical certificate confirming the period he/she was hospitalised or confined to his/her room and the cause of such hospitalisation or confinement In the event that the Insured Person is hospitalised as a direct result of malicious and unprovoked assault by any person or persons not known to him/her this benefit will be doubled PROVIDED THAT the Insured Person reports the matter to the police IMMEDIATELY he/she is able to do so and provides the Company within 30 days of returning from the Journey with a police report confirming such
2. is unlawfully detained against his/her will (whether hijacked, kidnapped or otherwise) by any person or persons not known to him/her PROVIDED THAT the Insured Person reports the matter to the police
IMMEDIATELY upon his/her release and provides the Company within 30 days of returning from the Journey with a police report confirming the he/she was unlawfully detained and the dates of such detention
and subject to a maximum overall benefit of £1,000 (proportionately increased in respect of any successful claim under benefit 1 above due to malicious and unprovoked assault by any person or persons not known to the Insured Person subject to an overall maximum benefit of £2,000).

Section 18 - Ski Equipment
To pay up to £750 in total (after taking in to account a deduction for wear and tear and depreciation) in respect of accidental permanent loss of or damage to Ski Equipment being the property or responsibility of the Insured Person occurring during the Operative Time of Cover PROVIDED THAT:
1. the Company shall not be liable for more than
A. £300 in total in respect of Ski Equipment hired by or to the Insured Person
B. £500 in total in respect of any one article, pair or set irrespective of single or joint ownership
2. the Company shall have the option of repair, replacement, reinstatement or cash payment based on the intrinsic value of the article(s) in question.
Excess
This insurance does not cover the first £40 per Insured Person (£80 per family) in respect of each separate incident giving rise to a claim hereunder.
Exclusions
This insurance does not cover:
1. Loss or damage caused by or arising from:
A. delay, confiscation or detention by Customs or other officials or authorities
B. fraud or deception.
2 Loss of or damage to sports equipment whilst in use.
3. Loss or damage due to wear and tear, gradual deterioration, atmospheric or climatic conditions, insects, parasites, vermin, mechanical or electrical breakdown, scratching, denting or any process of cleaning, drying, alteration or repair.
4. Shortages due to error, omission or depreciation in value.
5. This insurance does not cover:
A. theft or attempt thereat of Ski Equipment from any Unattended Vehicle:
i. between the hours of 8pm and 9am local time
ii. at any other time unless such vehicle has been secured from unauthorised entry and the Ski Equipment is:
a. hidden from view within the vehicle or
b. secured within a purpose-built lockable container fastened to the exterior of the vehicle and there is evidence that such theft involved violent and forcible means
B. theft or loss of Ski Equipment not reported to the local police within 24 hours and a written report obtained from them.

Section 18 - Ski Equipment
To pay up to £750 in total (after taking in to account a deduction for wear and tear and depreciation) in respect of accidental permanent loss of or damage to Ski Equipment being the property or responsibility of the Insured Person occurring during the Operative Time of Cover PROVIDED THAT:
1. the Company shall not be liable for more than
A. £300 in total in respect of Ski Equipment hired by or to the Insured Person
B. £500 in total in respect of any one article, pair or set irrespective of single or joint ownership
2. the Company shall have the option of repair, replacement, reinstatement or cash payment based on the intrinsic value of the article(s) in question.
Excess
This insurance does not cover the first £40 per Insured Person (£80 per family) in respect of each separate incident giving rise to a claim hereunder.
Exclusions
This insurance does not cover:
1. Loss or damage caused by or arising from:
A. delay, confiscation or detention by Customs or other officials or authorities
B. fraud or deception.
2 Loss of or damage to sports equipment whilst in use.
3. Loss or damage due to wear and tear, gradual deterioration, atmospheric or climatic conditions, insects, parasites, vermin, mechanical or electrical breakdown, scratching, denting or any process of cleaning, drying, alteration or repair.
4. Shortages due to error, omission or depreciation in value.
5. This insurance does not cover:
A. theft or attempt thereat of Ski Equipment from any Unattended Vehicle:
i. between the hours of 8pm and 9am local time
ii. at any other time unless such vehicle has been secured from unauthorised entry and the Ski Equipment is:
a. hidden from view within the vehicle or
b. secured within a purpose-built lockable container fastened to the exterior of the vehicle and there is evidence that such theft involved violent and forcible means
B. theft or loss of Ski Equipment not reported to the local police within 24 hours and a written report obtained from them.

Section 18 - Ski Equipment
To pay up to £750 in total (after taking in to account a deduction for wear and tear and depreciation) in respect of accidental permanent loss of or damage to Ski Equipment being the property or responsibility of the Insured Person occurring during the Operative Time of Cover PROVIDED THAT:
1. the Company shall not be liable for more than
A. £300 in total in respect of Ski Equipment hired by or to the Insured Person
B. £500 in total in respect of any one article, pair or set irrespective of single or joint ownership
2. the Company shall have the option of repair, replacement, reinstatement or cash payment based on the intrinsic value of the article(s) in question.
Excess
This insurance does not cover the first £40 per Insured Person (£80 per family) in respect of each separate incident giving rise to a claim hereunder.
Exclusions
This insurance does not cover:
1. Loss or damage caused by or arising from:
A. delay, confiscation or detention by Customs or other officials or authorities
B. fraud or deception.
2 Loss of or damage to sports equipment whilst in use.
3. Loss or damage due to wear and tear, gradual deterioration, atmospheric or climatic conditions, insects, parasites, vermin, mechanical or electrical breakdown, scratching, denting or any process of cleaning, drying, alteration or repair.
4. Shortages due to error, omission or depreciation in value.
5. This insurance does not cover:
A. theft or attempt thereat of Ski Equipment from any Unattended Vehicle:
i. between the hours of 8pm and 9am local time
ii. at any other time unless such vehicle has been secured from unauthorised entry and the Ski Equipment is:
a. hidden from view within the vehicle or
b. secured within a purpose-built lockable container fastened to the exterior of the vehicle and there is evidence that such theft involved violent and forcible means
B. theft or loss of Ski Equipment not reported to the local police within 24 hours and a written report obtained from them.

Section 21 - Unused Ski Pack
To pay up to £500 in total in respect of the proportional return of the irrecoverable pre-booked cost of the lift pass, ski-school or Ski Equipment hire as a direct result of the Insured Person sustaining accidental bodily injury or suffering the onset of illness during the Operative Time of Cover which prevents him/her from using skiing facilities whilst certified medically unfit to do so PROVIDED THAT the Company has accepted liability under Section 1 - Medical and Other Expenses for the medical, hospital or treatment costs or expenses incurred in respect of such injury or illness or would have accepted liability for such costs or expenses had they been incurred outside of the United Kingdom or were it not for the Excess under that Section of this policy.

Section 20 - Piste Closure
IMPORTANT this Section is only valid for Journeys between 15th November and 15th April
To pay up to £300 in total if during the Operative Time of Cover it is not possible for the Insured Person to ski in the resort to which he/she had pre-booked to travel and in which he/she had intended to ski due to the total closure of all on piste skiing facilities solely and directly as a result of lack of snow or excessive snow or avalanche or threat of avalanche such payment being in respect of:
1. the cost of transfer to an alternative ski area up to a maximum of £20 per day for each full day that the Insured Person is unable to ski in such resort plus up to £20 per day for the purchase of a lift pass or if no alternative on piste skiing areas are available
2. compensation at the rate of £30 per day for each full day that the Insured Person is due to ski in such resort but is unable to do so as a result of such total closure of all on piste skiing facilities up to the maximum stated above PROVIDED THAT the Insured Person provides the Company within 30 days of returning from the Journey with written confirmation from the tour operators representative (or if unavailable the ski lift operators) of the dates of closure and reason for closure of such on piste skiing facilities.

Section 20 - Piste Closure
IMPORTANT this Section is only valid for Journeys between 15th November and 15th April
To pay up to £300 in total if during the Operative Time of Cover it is not possible for the Insured Person to ski in the resort to which he/she had pre-booked to travel and in which he/she had intended to ski due to the total closure of all on piste skiing facilities solely and directly as a result of lack of snow or excessive snow or avalanche or threat of avalanche such payment being in respect of:
1. the cost of transfer to an alternative ski area up to a maximum of £20 per day for each full day that the Insured Person is unable to ski in such resort plus up to £20 per day for the purchase of a lift pass or if no alternative on piste skiing areas are available
2. compensation at the rate of £30 per day for each full day that the Insured Person is due to ski in such resort but is unable to do so as a result of such total closure of all on piste skiing facilities up to the maximum stated above PROVIDED THAT the Insured Person provides the Company within 30 days of returning from the Journey with written confirmation from the tour operators representative (or if unavailable the ski lift operators) of the dates of closure and reason for closure of such on piste skiing facilities.

Section 20 - Piste Closure
IMPORTANT this Section is only valid for Journeys between 15th November and 15th April
To pay up to £300 in total if during the Operative Time of Cover it is not possible for the Insured Person to ski in the resort to which he/she had pre-booked to travel and in which he/she had intended to ski due to the total closure of all on piste skiing facilities solely and directly as a result of lack of snow or excessive snow or avalanche or threat of avalanche such payment being in respect of:
1. the cost of transfer to an alternative ski area up to a maximum of £20 per day for each full day that the Insured Person is unable to ski in such resort plus up to £20 per day for the purchase of a lift pass or if no alternative on piste skiing areas are available
2. compensation at the rate of £30 per day for each full day that the Insured Person is due to ski in such resort but is unable to do so as a result of such total closure of all on piste skiing facilities up to the maximum stated above PROVIDED THAT the Insured Person provides the Company within 30 days of returning from the Journey with written confirmation from the tour operators representative (or if unavailable the ski lift operators) of the dates of closure and reason for closure of such on piste skiing facilities.

Section 19 - Ski Equipment Hire Charges
To pay up to £400 in total in respect of the reasonable and necessary charges for the emergency hire of Ski Equipment if during the Operative Time of Cover the Insured Person is deprived of the Ski Equipment taken on the Journey for 12 hours or more from the time of arrival at the booked destination on the outward leg of the Journey due to delay or misdirection by the carrier (e.g. airline) PROVIDED THAT:
1. the non-arrival of the Insured Persons Ski Equipment is reported IMMEDIATELY to the carrier and a written report (or in the case of an airline a Property Irregularity Report) obtained from them
2. the Insured Person submits to the Company the receipts for all hire charges together with the carriers written report (or Property Irregularity Report) and written confirmation from the carrier of the number of hours delay.

HELPLINE NUMBERS
This policy entitles the Insured Person(s) to the use of the 24 hour Worldwide Emergency Assistance Service. This service is provided by International Medical Rescue (Assistance Company) who employ a team of trained multi-lingual assistance co-ordinators.
To comply with Policy Conditions you must notify the Assistance Company prior to:
1. an Insured Person being admitted as an in-patient at any hospital, clinic or nursing home. If this is not possible because of the seriousness of the condition, then you must contact the Assistance Company as soon as possible after they are admitted
2. any repatriation arrangements being made
3. burial or cremation or transportation of the Insured Persons body
4. any hospital transfer being arranged or return home costs incurred under Section 6 Sub-Section 1 or Sub-Section 2 Once contacted, an experienced assistance co-ordinator will ensure that necessary medical fees are guaranteed and, if appropriate, repatriation/transportation is arranged by the most suitable method.
For assistance telephone: +44 (0)20 8773 5620 or fax +44 (0)20 8466 4240
When contacting the Assistance Company please advise them that you are insured under the BIBA Holiday Travel Insurance scheme and quote the Policy Number stated in the policy certificate.
There are many other circumstances where their advice and assistance could prove invaluable.
For instance they can:
- Liaise with medical staff and hospitals
- Guarantee medical fees if necessary
- Arrange emergency repatriation with medical escort if necessary
- Provide advice and guidance to other members of the party, Relatives or Close Business Colleague if you are hospitalised
- Provide advice on how to locate lost or delayed baggage with carriers
- Referral to an Embassy, Consulate or other source of legal consultation
- Organise onward travel tickets following missed departure

Section 5 - Personal Baggage
This section only applies if shown on your policy certificate as being included. To pay up to £2,000 in total (after taking into account a deduction for wear and tear and depreciation) in respect of accidental permanent loss of or damage to baggage (including clothing and personal effects, property worn or carried on the Insured Person, trunks, suitcases and like receptacles, pushchairs and hand propelled wheelchairs all being the property of the Insured Person or wheelchairs being the property or responsibility of the Insured Person taken, sent in advance or purchased whilst on the Journey) occurring during the Operative Time of Cover
PROVIDED THAT:
1. A. any loss of or damage to baggage occurring in transit is reported IMMEDIATELY on discovery to the carrier (e.g. airline) and a written report (or in the case of an airline a Property Irregularity Report) obtained from them
B. all other losses must be reported to the local police within 24 hours of discovery and a written report obtained from them
2. when not being worn or carried by the Insured Person items of jewellery must be kept in a safe or safety deposit box if one is available within the booked accommodation occupied by the Insured Person
3. the Company shall not be liable for more than:
A. £400 any one article, pair or set irrespective of single or joint ownership
B. £400 in total in respect of loss of or damage to Valuables
C. the proportionate value of that part of any pair or set that is lost or damaged
4. the Company will have the option of repair, replacement, reinstatement or cash payment based on the intrinsic value of the article(s) in question.
Excess
This insurance does not cover the first £40 per Insured Person (£80 per family) in respect of each separate incident giving rise to a claim hereunder.
Exclusions Applicable to Sections 5, 6 and 7
This insurance does not cover:
1. loss, damage, theft or attempt thereat of:
A. Money, credit cards, passport or personal baggage left unattended in the open or any public place
B. the Insured Person's Valuables, Money, credit cards or passport from any Unattended Vehicle or from personal baggage unless carried by hand and under the personal supervision of the Insured Person
C. personal baggage from any Unattended Vehicle:
i. between the hours of 8pm and 9am local time
ii. at any other time unless:
a. the vehicle has been secured from unauthorised entry and
b. the personal baggage has been hidden from view and
c. there is evidence of violent and forcible entry to or exit from the vehicle
D. personal baggage from any roof rack, external rack or container
2. loss or damage caused by or arising from:
A. delay, confiscation or detention by Customs or other officials or authorities
B. fraud or deception
3. loss of or damage to:
A. stamps, documents, contact or corneal lenses, hearing aids, alcohol, tobacco (or tobacco products), perishable goods, motor vehicles (or accessories), antiques or mobile telephones
B. sports equipment whilst in use
C. business goods, samples or tools
4. loss or damage due to wear and tear, gradual deterioration, atmospheric or climatic conditions, insects, parasites, vermin, mechanical or electrical breakdown, scratching, denting or any process of cleaning, drying, alteration or repair
5. shortages due to error, omission or depreciation in value
6. damage to brittle articles (including teeth or dentures).

Section 10 - Delayed Baggage
To pay up to £400 in total for the emergency purchase of essential items of clothing and personal requisites if during the Operative Time of Cover the Insured Person is deprived of his/her personal baggage taken on the Journey for 12 hours or more from the time of arrival at the prebooked destination on the outward leg of the Journey due to delay or misdirection by the carrier (e.g. airline) such payment being made at the rate of £100 for the first full 12 hour period plus £100 for the next full 12 hours and an additional £200 if the period reaches or exceeds 48 consecutive hours
PROVIDED THAT:
1. the non-arrival of the Insured Persons personal baggage is reported IMMEDIATELY to the carrier and a written report (or in the case of an airline a Property Irregularity Report) obtained from them
2. the Insured Person submits to the Company receipts for all items purchased together with the carriers written report (or Property Irregularity Report) and written confirmation from the carrier of the number of hours delay.

Section 3 - Cancellation or Curtailment
To pay up to £5,000 in total in respect of the otherwise irrecoverable loss of deposits, instalments and balances paid or contracted to be paid by the Insured Person for the Journey in respect of travel and accommodation booked prior to the scheduled date of departure of such Journey and incurred as a result of the necessary and unavoidable cancellation or Curtailment of such Journey during the Operative Time of Cover due to:
1. the death, serious injury or serious illness occurring or manifesting itself during the Operative Time of Cover of the:
A. Insured Person or
B. person with whom the Insured Person is travelling or had arranged to stay or
C. Relative or Close Business Colleague of the Insured Person or of the person with whom the Insured Person is travelling or had arranged to stay
2. the Insured Person or person with whom he/she had arranged to travel or stay being summoned for jury service, subpoenaed as a witness at a court of law, involuntarily made redundant from permanent
employment and entitled to payment under the current redundancy payments law or compulsorily quarantined during the Operative Time of Cover
3. the Insured Persons home within the United Kingdom or the home within the United Kingdom of any person with whom the Insured Person is travelling being rendered uninhabitable by fire, storm or flood up to
14 days before the departure date
4. the presence of the Insured Person or travelling companion being required by the police following burglary at his/her home or normal place of business in the United Kingdom
PROVIDED THAT at the time of effecting this insurance or booking the Journey the Insured Person was not aware of any reason why such Journey may have to be cancelled or curtailed.
Conditions
1. Notification:
A. Cancellation - notification of cancellation of the Journey must be given:
i. verbally or in writing to the Claims Handler
ii. in writing to the tour operator or travel agent (or in respect of Journeys not arranged via a tour operator or travel agent - to the accommodation and transport providers) IMMEDIATELY the circumstances giving rise to the claim occur
B. Curtailment - Notification of Curtailment of the Journey must be given to the Assistance Company PRIOR TO the Insured Person arranging to return from the Journey
2. the Company will have the option to replace any incentive gift or promotional vouchers or points that form the subject of a claim under this Section with alternative gift or promotional vouchers or to pay for an equivalent replacement for the unused proportion of travel or accommodation or pay the cash equivalent thereof.
Excess
This insurance does not cover the first £40 per Insured Person (£80 per family) (reduced to £15 in respect of loss of deposit per Insured Person or £45 per family) in respect of each separate incident giving rise to a claim hereunder.
Exclusions
This insurance does not cover:
1. any claim arising out of a Material Fact which you have not declared to us
2. any claim arising if at the time of purchasing this insurance the Insured Person or a travelling companion:
A. is aware of any circumstances which could reasonably be expected to give rise to a claim under this insurance
B. has had a cancerous, cardio-vascular, cerebrovascular, renal, respiratory, psychiatric or mental condition
C. has had any other medical condition which is under the supervision of a hospital or a consultant or doctor or has required any hospital admission or treatment in the previous 12 months
D. has been taking continuous medication and has had any change in medication or increase in dosage in the previous 12 months resulting from a deterioration in the condition being treated
E. has any medical condition for which the Insured Person or a travelling companion is on a hospital or specialists waiting list for inpatient or outpatient treatment or investigation
F. is awaiting the results of any tests or investigations or is aware of any medical condition of any Relative or Close Business Colleague whether travelling with the Insured Person or not on whose state of health the Insured Persons decision to curtail the journey may depend
G. has been advised of a terminal prognosis However the Company may agree in writing not to apply exclusions 1. or 2A. to G. or the Company may impose special terms if the Insured Person applies to the Company with details of the condition by calling the TMEI medical referral helpline on 0845 070 3593 and this insurance is suitably endorsed in writing.
3. The Company shall not be liable for more than:
A. £5,000 or the otherwise irrecoverable loss of deposits, instalments and balances paid or contracted to be paid (whichever is less)
B. in respect of Curtailment claims only - the proportionate part of the total contracted Journey cost for each day of the journey foregone up to a maximum of £5,000.
4. Cover under this Section shall not apply in respect of:
A. death, injury or illness of any persons not specifically mentioned under sub-section 1 A, B or C of this section
B. Curtailment not notified to and authorised by the Assistance Company
C. the disinclination to travel of the Insured Person or any person with whom he/she is travelling
Condition
It is a requirement of this insurance that if between the date of purchasing this insurance and the date of the Journey:
1. the Insured Person or
2. person with whom the Insured Person is travelling or had arranged to stay or
3. Relative or Close Business Colleague of the Insured Person or of the person with whom the Insured Person is travelling or had arranged to stay is first diagnosed as having a medical condition, the Insured
Person must give details of the condition by calling the TMEI medical referral helpline on 0845 070 3593. The Company reserve the right to impose special terms in the light of any such details disclosed.

Section 12 - Missed Departure
To reimburse the Insured Person up to £1,000 (or 100% of the final invoiced cost of the Journey whichever is less) in respect of reasonable additional and otherwise irrecoverable travel expenses which the Insured Person necessarily and reasonably incurs during the Operative Time of Cover to purchase a ticket for an alternative Journey to reach his/her overseas destination or return from his/her overseas destination to his/her home or place of business within the United Kingdom from such overseas destination as a consequence of:
1. mechanical breakdown or strike, riot, civil commotion, industrial action or adverse weather conditions commencing during the Period of Insurance and causing interruption of scheduled public transport services PROVIDED THAT no warning of such strike, riot, civil commotion, industrial action or adverse weather conditions had been given prior to booking the Journey or commencement of the Period of Insurance (whichever is the later)
2. accident or mechanical failure of the private motor vehicle in which the Insured Person is travelling PROVIDED THAT the private motor vehicle has been serviced in accordance with the manufacturers
recommendations
3. abnormal and unforeseeable traffic congestion which the Insured Person can prove resulted in an increase of more than 3 hours in the time that such Journey would normally take occurring during the Operative Time of Cover and which causes the Insured Person to arrive at the coach terminal rail terminal port or airport too late to board the coach, train, sea vessel or aircraft upon which he/she had been booked to travel on his/her:
1. final international departure on the outbound Journey from the United Kingdom
2. final international departure on the return Journey to the United Kingdom.
Excess
This insurance does not cover the first £40 per Insured Person (£80 per family) in respect of each separate incident giving rise to a claim.
Exclusions applicable to Sections 11 and 12
This insurance does not cover claims arising if the Insured Person fails to:
1. take all reasonable steps to arrive at the coach terminal, rail terminal, port or airport according to the official itinerary supplied
2. check in at the coach terminal, rail terminal, port or airport according to the official itinerary supplied and/or obtain:
A. written confirmation from the carriers (or their handling agents) of the number of hours delay and the reason for such delay
B. a repairers report in the event of a claim in respect of accident, damage to or breakdown of the private motor vehicle in which the Insured Person was travelling

Section 11 - Travel Delay
To pay up to the limits shown below in total in the event that strike, industrial action, riot or civil commotion, adverse weather conditions or mechanical breakdown results in a delay of at least 12 hours in the departure of any coach, train, sea vessel or aircraft in which the Insured Person is booked to travel during the Operative Time of Cover on any leg of the Journey.
1. Compensation
The Company will pay the Insured Person £50 for the first 12 hours delay in any single leg of the Journey plus £25 for each subsequent period of 12 hours delay in the same leg of the Journey and £25 for each period of 12 hours delay on any subsequent leg of the Journey subject to an overall maximum payment of £400 for all legs of the Journey.
2. Cancellation
If after 24 hours delay in departure on the initial outward leg of the Journey the Insured Person wishes to cancel his/her Journey the Company will reimburse the irrecoverable loss of deposits, instalments and balances paid or contracted to be paid of such Journey in respect of travel and accommodation up to but not exceeding £5,000 in total
PROVIDED THAT:
1. the Insured Person checks in at the coach terminal, rail terminal, port or airport according to the itinerary and obtains written confirmation from the carrier (or their handling agents) of the number of hours delay in departure of such conveyance from the time shown in the itinerary and the reasons for such delay
2. no warning of any such strike, riot, civil commotion, industrial action or inclement weather resulting in a claim under this Section had been given prior to booking the Journey or commencement of the Period of Insurance (whichever is the later)
3. in respect of sub-section 2 Cancellation - if any part of the Journey has been booked using incentive, gift or promotional vouchers or points the Company will have the option to replace such items with alternative
vouchers or to pay for the equivalent replacement travel or accommodation or pay the cash equivalent thereof.
Exclusions applicable to Sections 11 and 12
This insurance does not cover claims arising if the Insured Person fails to:
1. take all reasonable steps to arrive at the coach terminal, rail terminal, port or airport according to the official itinerary supplied
2. check in at the coach terminal, rail terminal, port or airport according to the official itinerary supplied and/or obtain:
A. written confirmation from the carriers (or their handling agents) of the number of hours delay and the reason for such delay
B. a repairers report in the event of a claim in respect of accident, damage to or breakdown of the private motor vehicle in which the Insured Person was travelling

Section 11 - Travel Delay
To pay up to the limits shown below in total in the event that strike, industrial action, riot or civil commotion, adverse weather conditions or mechanical breakdown results in a delay of at least 12 hours in the departure of any coach, train, sea vessel or aircraft in which the Insured Person is booked to travel during the Operative Time of Cover on any leg of the Journey.
1. Compensation
The Company will pay the Insured Person £50 for the first 12 hours delay in any single leg of the Journey plus £25 for each subsequent period of 12 hours delay in the same leg of the Journey and £25 for each period of 12 hours delay on any subsequent leg of the Journey subject to an overall maximum payment of £400 for all legs of the Journey.
2. Cancellation
If after 24 hours delay in departure on the initial outward leg of the Journey the Insured Person wishes to cancel his/her Journey the Company will reimburse the irrecoverable loss of deposits, instalments and balances paid or contracted to be paid of such Journey in respect of travel and accommodation up to but not exceeding £5,000 in total
PROVIDED THAT:
1. the Insured Person checks in at the coach terminal, rail terminal, port or airport according to the itinerary and obtains written confirmation from the carrier (or their handling agents) of the number of hours delay in departure of such conveyance from the time shown in the itinerary and the reasons for such delay
2. no warning of any such strike, riot, civil commotion, industrial action or inclement weather resulting in a claim under this Section had been given prior to booking the Journey or commencement of the Period of Insurance (whichever is the later)
3. in respect of sub-section 2 Cancellation - if any part of the Journey has been booked using incentive, gift or promotional vouchers or points the Company will have the option to replace such items with alternative
vouchers or to pay for the equivalent replacement travel or accommodation or pay the cash equivalent thereof.
Exclusions applicable to Sections 11 and 12
This insurance does not cover claims arising if the Insured Person fails to:
1. take all reasonable steps to arrive at the coach terminal, rail terminal, port or airport according to the official itinerary supplied
2. check in at the coach terminal, rail terminal, port or airport according to the official itinerary supplied and/or obtain:
A. written confirmation from the carriers (or their handling agents) of the number of hours delay and the reason for such delay
B. a repairers report in the event of a claim in respect of accident, damage to or breakdown of the private motor vehicle in which the Insured Person was travelling

Section 8 - Personal Liability
The Company will indemnify the Insured Person against Legal Liability for Damages (and claimants costs and expenses) and Defence Costs in respect of:
1. accidental bodily injury to or death, disease or illness of any person
2. accidental physical loss of or damage to material property caused by the Insured Person occurring during the Operative Time of Cover
PROVIDED THAT:
1. the Insured Person:
A. forwards to the Claims Handler IMMEDIATELY upon receipt every letter, claim, writ, summons or process
B. notifies the Claims Handler in writing when the Insured Person has knowledge of any impending prosecution, inquest, fatal accident or official inquiry in connection with any such accident
2. no admission, offer, promise, payment or indemnity is made or given by or on behalf of the Insured Person without the written consent of the Company.
In the event of the death of the Insured Person the Company will indemnify the legal personal representatives of the Insured Person as though they were the Insured Person but only in respect of liability incurred by the Insured Person.
Limit of Indemnity
The liability of the Company under this Section for Damages and claimants costs and expenses in respect of one occurrence or of a series of occurrences consequent on or attributable to one source or original cause or incident shall not exceed £2,000,000 in total.
Excess
This insurance does not cover the first £40 per Insured Person in respect of loss of or damage to material property.
Exclusions
This insurance does not cover:
1. accidental bodily injury to or death, disease or illness of any person under a contract of service or apprenticeship with the Insured Person arising out of and in the course of such contract of service or apprenticeship
2. liability in respect of loss of or damage to property belonging to or held in trust by or in the charge, care, custody or control of the Insured Person or any member of the Insured Persons family other than temporary accommodation
3. liability arising directly or indirectly by, through or in connection with the:
A. ownership of any premises, land or building
B. ownership, possession, control or use by or on behalf of the Insured Person of any:
i. mechanically propelled vehicle or motorised vehicle, aircraft or other aerial or aerospatial device, hovercraft or watercraft (other than the use [but not ownership] on inland waterways of pontoons hand propelled watercraft or watercraft less than five metres long powered by sail or an unmodified outboard engine rated by the original manufacturer at not more than 10hp)
ii. firearm
iii. animal
4. liability arising directly or indirectly from the transmission of any communicable disease or Human Immunodeficiency Virus (HIV) and/or any HIV related illness including Acquired Immune Deficiency Syndrome
(AIDS) and/or any mutant derivatives or variations thereof
5. liability which attaches to the Insured Person by reason of an agreement or contract unless such liability would have attached in the absence of such agreement or contract
6. punitive, exemplary or any multiple of compensatory damages
7. liability arising out of or in connection with the Insured Persons business, profession or employment.
Section 9 - Contingent Liability (Jet Bikes, Jet Skis)
Notwithstanding Exclusion 3B.i of Section 8 - Personal Liability the Company will indemnify the Insured Person within the terms of Section 8 - Personal Liability in respect of Legal Liability arising from the use by the Insured Person of any:
1. jet bike or jet ski not owned by him/her on inland waterways or coastal waters
2. snowmobile or ski-doo not owned by him/her in circumstances where compulsory insurance or security is not required under any Road Traffic Act or similar legislation (if the wintersports extension is stated in
the policy certificate as being included)
PROVIDED THAT:
1. there is no other insurance in force covering the same legal liability
2. no other insurance is available to the Insured Person at the time of hiring or borrowing such watercraft/vehicle to cover the Insured Persons legal liability arising out of its use
3. the Insured Person is using such watercraft/vehicle with the permission of and in accordance with any instructions given by the owner or hirer or person loaning it to him/her
4. the Company shall not be liable for loss of or damage to such watercraft/vehicle and subject otherwise to the terms, conditions, provisions, limitations and exclusions of this policy.

Section 14 - Catastrophe
To pay the Insured Person £50 for each full period of 24 hours up to a maximum of £500 in total in respect of reasonable additional and otherwise irrecoverable accommodation expenses incurred by the Insured Person as a result of being forced to move from the accommodation booked in advance for the Journey following an emergency or a government, provincial government, municipal or local declaration of such emergency occurring during the Operative Time of Cover.

HELPLINE NUMBERS
This policy entitles the Insured Person(s) to the use of the 24 hour Worldwide Emergency Assistance Service. This service is provided by International Medical Rescue (Assistance Company) who employ a team of trained multi-lingual assistance co-ordinators.
To comply with Policy Conditions you must notify the Assistance Company prior to:
1. an Insured Person being admitted as an in-patient at any hospital, clinic or nursing home. If this is not possible because of the seriousness of the condition, then you must contact the Assistance Company as soon as possible after they are admitted
2. any repatriation arrangements being made
3. burial or cremation or transportation of the Insured Persons body
4. any hospital transfer being arranged or return home costs incurred under Section 6 Sub-Section 1 or Sub-Section 2 Once contacted, an experienced assistance co-ordinator will ensure that necessary medical fees are guaranteed and, if appropriate, repatriation/transportation is arranged by the most suitable method.
For assistance telephone: +44 (0)20 8773 5620 or fax +44 (0)20 8466 4240
When contacting the Assistance Company please advise them that you are insured under the BIBA Holiday Travel Insurance scheme and quote the Policy Number stated in the policy certificate.
There are many other circumstances where their advice and assistance could prove invaluable.
For instance they can:
- Liaise with medical staff and hospitals
- Guarantee medical fees if necessary
- Arrange emergency repatriation with medical escort if necessary
- Provide advice and guidance to other members of the party, Relatives or Close Business Colleague if you are hospitalised
- Provide advice on how to locate lost or delayed baggage with carriers
- Referral to an Embassy, Consulate or other source of legal consultation
- Organise onward travel tickets following missed departure

OPTIONAL ADDITIONAL SPORTS AND HAZARDOUS ACTIVITIES EXTENSIONS
In respect of each Insured Person for which OPTIONAL ADDITIONAL SPORTS AND HAZARDOUS ACTIVITIES EXTENSIONS A or B is stated in the policy certificate as being applicable the insurance provided under this policy is extended to apply whilst such Insured Person is participating in any sport or activity within the extension applicable:
EXTENSION A
abseiling, aerial safaris, American football, baseball, cricket, fencing, gliding, hockey, hot air ballooning, marathon running, ice hockey (on an indoor ice rink), parachuting, parascending, rock climbing, rugby, war games
EXTENSION B
all activities covered under OPTIONAL ADDITIONAL SPORTS AND HAZARDOUS ACTIVITIES EXTENSION A plus: fell running, hang gliding, paragliding, polo, potholing and caving, scuba diving to a depth of 30 metres maximum (as long as PADI qualified or equivalent to that depth)
If wintersports is shown in the policy certificate as included then cover under this Extension B will also include: bobsleighing and ice hockey (other than on an indoor ice rink)

General Exclusions (applicable to all sections)
1. This insurance does not cover:
A. i. any person aged 86 years or over at the Date of Issue if single trip cover selected
ii. any person aged 71 years or over at the Date of Issue if annual multi trip cover selected for geographical limits Area 3 or 4
iii. any person aged 76 years or over at the Date of Issue if annual multi trip cover selected for geographical limits Area 1 or 2
iv. any person who is not permanently resident in the United Kingdom with a permanent address in the United Kingdom
B. loss, damage, bodily injury, death, disease, illness, liability costs or expenses arising out of or in connection with any:
i. manual work or hazardous occupation of any kind undertaken by the Insured Person during his/her Journey
ii. wilful, malicious or criminal act of the Insured Person or breach of any law or enactment by the Insured Person
iii. engagement in any leisure activity either as a professional or where you receive any financial reward or gain
C. any claim arising out of a Material Fact which you have not declared to us
D. i. claim arising if at the time of purchasing this insurance the Insured Person or a travelling companion:
a. is aware of any circumstances which could reasonably be expected to give rise to a claim under this insurance
b. has had a cancerous, cardio-vascular, cerebrovascular, renal, respiratory, psychiatric or mental condition
c. has had any other medical condition which is under the supervision of a hospital or a consultant or doctor or has required any hospital admission or treatment in the previous 12 months
d. has been taking continuous medication and has had any change in medication or increase in dosage in the previous 12 months resulting from a deterioration in the condition being treated
e. has any medical condition(s) for which the Insured Person or a travelling companion is on a hospital or specialists waiting list for inpatient or outpatient treatment or investigation
f. is awaiting the results of any tests or investigations or is aware of any medical condition of any Relative or Close Business Colleague whether travelling with the Insured Person or not on whose state of health the Insured Persons decision to cancel or curtail the Journey may depend
g. has been advised of a terminal prognosis.
However the Company may agree in writing not to apply exclusions C. or D.i.a. to g. or the Company may impose special terms if the Insured Person applies to the Company with details of the condition by calling the TMEI Medical Referral Helpline on 0845 070 3593 and this insurance is suitably endorsed in writing
ii. claim caused by or arising from:
a. pregnancy or childbirth in respect of any trip starting and/or finishing within 8 weeks of the expected date of birth
b. wilfully self inflicted illness or injury, the influence of intoxicating liquor or drugs (except drugs taken in accordance with treatment prescribed and directed by a registered medical practitioner other than for drug addiction), alcoholism, drug addiction, solvent abuse, sexually transmitted diseases, travel contrary to medical advice or where the purpose of travelling is to obtain medical treatment
c. mental illness, anxiety or depression
E. loss, damage, bodily injury, death, disease, illness, liability costs or expenses attributable directly or indirectly to Human Immunodeficiency Virus (HIV) and/or any HIV related illness including Acquired
Immune Deficiency Syndrome (AIDS) and/or any mutant derivatives or variations thereof
F. death, injury, illness or disablement directly or indirectly resulting from or consequent upon the Insured Persons own suicide or attempted suicide or deliberate exposure to danger (except in an attempt to save human life) or the Insured Persons own criminal act
G. additional costs or supplements arising from single or private room(s) not approved in advance by the Assistance Company
H. war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war or any act, condition or warlike operation incident to war
I. warlike action by a regular or irregular military force or civilian agents, or any action taken by any government, sovereign or other authority to hinder or defend against an actual or expected attack
J. insurrection, rebellion, revolution, attempt to usurp power or popular uprising or any action taken by governmental or martial authority in hindering or defending against any of these
K. discharge, explosion or use of a weapon of mass destruction whether or not employing nuclear fission or fusion, or chemical, biological, radioactive or similar agents, by any party at any time for any reason
L. loss, destruction, damage, liability costs or expenses by pressure waves caused by aircraft or other aerial devices travelling at sonic or supersonic speeds
M. any claim directly or indirectly caused by, contributed to or arising from:
i. ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel
ii. the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof
N. any claim directly or indirectly caused by, contributed to or arising from a Journey to a destination where the Foreign and Commonwealth Office has advised against All travel or All but Essential travel
2. This insurance does not apply whilst the Insured Person is engaging in:
A. motorcycling as either a driver or a passenger unless the person driving the motorcycle holds a current valid full motorcycle driving licence permitting him/her to drive such motorcycle and the motorcycle
has an engine capacity of 125cc or less and that, as driver or passenger the Insured Person(s) is wearing a crash helmet
B. air travel other than as a passenger in a licensed aircraft being operated by a licensed commercial air carrier
C. big game hunting, BMX stunt riding, boxing, bungee jumping, canyoning, free climb mountaineering, gymnastics (competitive), heli-skiing, high diving (other than from a purpose built diving board over a man-made swimming pool), horse riding (jumping trials, hunting and competitive riding), jousting, martial arts, micro-lighting, motor rallies or competitions, mountaineering (ordinarily necessitating the use of ropes or guides), outdoor endurance, outward bound courses, racing, safaris (where the Insured Person will be using a firearm), sailing (offshore - more than 12 miles from coastline), show jumping, sky diving, sky surfing, stunt events, underground activities (other than as part of an organised excursion or tour), water-ski jumping, white water rafting (above grade 3) or wrestling
D. any organised sports trip or tour whilst the Insured Person is playing (if the wintersports extension is stated in the policy certificate as being applicable - this exclusion shall not apply in respect of amateur winter sports not otherwise excluded) or any variations thereof UNLESS declared to and accepted in writing by the Company
E. winter sports of any kind UNLESS stated in the policy certificate as being included in which case this insurance does not apply whilst the Insured Person is engaging in heli-skiing, ski-touring, ski racing
competitions and training therefor (other than properly supervised competitions organised and held on piste by a ski-school as part of their official course), freestyle skiing, ski-jumping, ski flying, ski-acrobatics, ski-stunting, extreme skiing, extreme snowboarding, skeletoning and luge or any variations thereof
3. A. The Company shall not be liable for:
i. the failure or any consequence of the failure of the Legal Expenses Insurer or their servants or agents to satisfy in all or in part their obligations under Section 17 - Legal Expenses
ii. any errors or omissions or any consequence thereof in the advice, service or assistance given by the Legal Expenses Insurer or their servants or agents in relation to the cover provided under Section 17 - Legal Expenses or the Free Legal Helpline
B. The Legal Expenses Insurer and/or their servants and agents shall not be liable for:
i. the failure or any consequence of the failure of the Company or their servants or agents to satisfy in all or in part their obligations under this policy
ii. any errors or omissions or any consequence thereof in the advice, service or assistance given by the Company or their servants or agents in respect of the cover provided under any Section other than Section 17 - Legal Expenses
4. The Company shall not be liable for any claim caused by or arising from the failure of any computer hardware or software or other electrical equipment to recognise or process any date as the true calendar date. This exclusion does not apply to Section 1 - Medical and Other Expenses - sub-sections 1 or 2 or Section 4 - Personal Accident
5. The Company shall not be liable for any claims arising directly or indirectly for Journeys that:
A. if single trip cover is selected are expected to exceed 365 days duration where the Insured Person is aged under 71 years
B. if single trip cover is selected are expected to exceed 31 days duration where the Insured Person is aged 71 years or over
C. if annual multi trip cover is selected are expected to exceed 45 days duration (or 60 days duration if shown on the policy certificate as being applicable and the appropriate premium has been paid) UNLESS declared to and accepted in writing by the Company.

GENERAL EXCLUSIONS (APPLICABLE AT AL SECTIONS)
4. The Company shall not be liable for any claim caused by or arising from the failure of any computer hardware or software or other electrical equipment to recognise or process any date as the true calendar date. This exclusion does not apply to Section 1 Medical and Other Expenses Sub-Sections 1 or 2 or Section 4 Personal Accident

HOW TO MAKE A CLAIM
If there are any circumstances that may give rise to a claim under this policy the Insured Person (or his/her legal or personal representatives) must in respect of any claim:
1. other than a claim under Section 4 Legal Expenses, contact the Claims Handler as soon as practicable but within 30 days of such circumstances arising (or within 30 days of returning from the Journey if such circumstances arise during the Journey):
International Claims Bureau, Crow Hill Drive, Mansfield, Notts NG19 7AE Tel 0845 1300366 (UK local call rate) giving brief details of such circumstances and requesting a claim form When contacting the Claims Handler please quote the BIBA Holiday Travel Insurance scheme and the Policy Number stated in the policy certificate
2. complete and return the claim form together with all receipts, reports and evidence requested on the claim form All claims must be substantiated by receipts, valuations, medical, police or other report(s) as applicable Please note that in certain circumstances more immediate action is required to ensure that your claim is not prejudiced i.e:
1. Cancellation Claims notification of cancellation of the Journey MUST be given:
A. verbally to the Claims Handler
B. in writing to the tour operator or travel agent or in respect of Journeys not arranged via a tour operator or travel agent to the accommodation and transport providers IMMEDIATELY the circumstances giving rise to the claim occur
2. Curtailment Claims notification of Curtailment of the Journey MUST be given to the Assistance Company PRIOR TO departing to return home
3. Delayed Baggage Claims (and/or Ski Equipment Hire Charges if applicable) the non-arrival of the Insured Persons baggage (and/or Ski Equipment if applicable) MUST be reported IMMEDIATELY to the carrier and a written report (or in the case of an airline a Property Irregularity Report) obtained from them
4. Medical Expenses Claims the Assistance Company MUST BE NOTIFIED PRIOR TO:
A. the Insured Person being admitted as an inpatient at any hospital, clinic or nursing home
B. any repatriation arrangements being made
C. burial, cremation or transportation of the Insured Persons body
D. any hospital transfer being arranged or return home costs incurred under Sections 6 1 or 2 FOR ASSISTANCE TELEPHONE: +44 (0)20 8773 5620
When contacting the Assistance Company please advise them that you are insured under the BIBA Holiday Travel Insurance scheme and quote the Policy Number stated in the policy certificate
5. Missed Departure Claims the Insured Person MUST check in at the coach terminal, rail terminal, port or airport according to the official itinerary supplied and/or obtain:
A. written confirmation from the carriers (or their handling agents) of the number of hours delay and the reason for such delay
B. a repairers report in the event of a claim in respect of accident, damage to or breakdown of the private motor vehicle in which the Insured Person was travelling
6. Money and/or Valuables Claims all losses of Money and/or Valuables MUST be reported to the police within 24 hours of discovery and a written report obtained from them. Loss of travellers cheques and credit cards MUST be reported to the appropriate issuing authority within 24 hours of discovery
7. Passport Claims loss of passport MUST be notified IMMEDIATELY on discovery to the nearest British Consulate (or if not holding a British passport to the Insured Persons nearest Embassy) and a written report of the loss obtained from them
8. Personal Baggage Claims (and/or Ski Equipment if applicable) loss or damage occurring in transit MUST be reported IMMEDIATELY on discovery to the carrier (e.g. airline) and a written report (or in the case of an airline a Property Irregularity Report) obtained from them All other losses MUST be reported to the local police within 24 hours of discovery and a written report obtained from them
10. Personal Liability Claims
DO NOT admit liability or offer or promise any payment or indemnity
DO
A. forward to the Claims Handler IMMEDIATELY upon receipt, every letter, claim, writ, summons or process
B. notify the Claims Handler in writing IMMEDIATELY that you have knowledge of any impending prosecution, inquest, fatal accident or ministry inquiry in connection with any accident that may result in a claim
10. Piste Closure Claims (if applicable) you MUST provide the Company within 30 days of returning from the Journey with written confirmation from the tour operators representative (or if unavailable the ski lift operators) of the dates of closure and reason for closure of such on piste skiing facilities
11. Restricted Enjoyment Benefit Claims you MUST provide the Company within 30 days of returning from the Journey with the appropriate medical certificate/police report/written evidence
12. Travel Delay Claims the Insured Person MUST check in at the international coach terminal, rail terminal, port or airport according to the official itinerary supplied and obtain written confirmation from the carriers (or their handling agents) of the number of hours delay in departure of the coach, train, sea vessel or aircraft in which the Insured Person was booked to travel and the reason for such delay PLEASE REFER to the appropriate Section for full details YOU MUST ALSO:
Give all information and assistance that the Insurers may require
Comply with all reasonable deadlines set by the Insurers
Comply with all deadlines set by any court or legally empowered authority for the disclosure of information, production of proof, evidence and/or documentation and provision of assistance
FAILURE TO COMPLY WITH THE TERMS OF THIS POLICY MAY PREJUDICE ANY CLAIM

General Conditions (applicable to all sections)
1. Precautions
The Insured Person MUST:
A. take all reasonable precautions to prevent anything happening which may give rise to a claim under this policy and take all requisite steps for safeguarding and recovering the personal baggage and personal
Money insured
B. not book or undertake the Journey against medical advice or if he/she has any reason to believe that such Journey may have to be cancelled or curtailed.
2. Claims
If there are any circumstances that give rise to a claim under this policy the Insured Person must follow the procedure How to Make a Claim detailed on page 27 and supply at the request of and without cost to the Insurers all such proof, information and evidence and provide all such assistance as the Insurers may require, complying with ALL reasonable deadlines set by the Insurers and complying with ALL deadlines set by any court or legally empowered authority for the disclosure of information, production of proof, evidence and/or documentation and provision of assistance. No admission, offer, promise, payment or indemnity shall be made or given by or on behalf of the Insured Person without the written consent of the Insurers.
3. Insurers rights in the event of a claim in respect of all Sections other than Section 17 - Legal Expenses
A. The Company shall be entitled but not bound to take over and conduct in the name of the Insured Person the defence or settlement of any claim or to prosecute in the name of the Insured Person for its own benefit any claim for indemnity or damages or otherwise and shall have full discretion in the conduct of any proceedings and in the settlement of any claim.
B. The Company shall be entitled at any time in its own name or in the name of the Insured Person to take action to effect the recovery of any part of the personal baggage and/or personal Money insured or for securing reimbursement in respect of any loss or damage and the Insured Person shall give the Company all information and assistance in so doing.
C. Upon payment of any claim under Section 5 - Personal Baggage (and/or Section 18 - Ski Equipment - if applicable) (other than for repair) any part of the property in respect of which payment is made shall belong to the Company subject to the Insured Persons right to reclaim it upon repayment to the Company of the amount paid by the Company.
D. The Company may at any time pay to the Insured Person in connection with any claim or series of claims under Section 8 - Personal Liability the amount of the Limit of Indemnity (after deduction of any sum or sums already paid in Damages) or any lesser amount for which such claim or claims can be settled and upon such payment being made the Company shall relinquish the conduct and control of and be under no further liability in connection with such claim or claims except for the payment of Defence Costs recoverable or incurred prior to the date of such payment.
The liability of the Company to pay Defence Costs where Damages exceeding the Limit of Indemnity have to be paid and the Company has not exercised its rights under this Condition shall be limited to such proportion of the said Defence Costs as the Limit of Indemnity bears to the amount paid to dispose of the claim or series of claims.
4. Fraud
If any claim is in any respect fraudulent or if any fraudulent means or devices are used by the Insured Person or any person acting on his/her behalf to obtain benef