The Co-operative Insurance Home Insurance Annual Travel

B. Medical & Other Expenses
What IS Insured
Costs and expenses, as set out below, if an Insured Person sustains Injury during an Insured Holiday.
1) The cost of medical, surgical and other remedial treatment (including emergency dental treatment) and hospital and nursing home charges reasonably and necessarily incurred outside the United Kingdom and the Isle of Man within 12 months of the Injury.
2) Additional transport and accommodation expenses reasonably and necessarily incurred by or for the Insured Person and any one other person who is required on medical advice to travel to or remain with the Insured Person.
3) In the event of the Insured Persons death, funeral expenses in the country where death occurred or the cost of transport of the Insured Persons body or ashes to the Insured Persons home in the United Kingdom, the Isle of Man or the Channel Islands.
We will not pay more than £5,000,000 (£500 in the United Kingdom or the Isle of Man) per Insured Person in respect of any Insured Holiday, less the Excess specified in the Claims Settlement Provisions of this Section.
What IS NOT Insured
(a) Any claim resulting from Injury to the Insured Person
(i) where the Insured Person has undertaken the Insured Holiday against the advice of a medical practitioner
(ii) arising from a medical condition for which, at the date of booking the Insured Holiday, the Insured Person is receiving or is on a waiting list for in-patient treatment at a hospital or nursing home
(iii) arising from or contributed to by intentional self-injury or the use of drugs (except drugs taken under medical supervision for the treatment of a condition other than drug addiction) or intoxicants
(iv) while the Insured Person is engaged during the Insured Holiday in winter sports (other than those insured under the Winter Sports subsection if specified as operative in the Schedule), racing (other than on foot), motor sports, professional sport, mountaineering necessitating the use of ropes or the services of a guide, rock-climbing, potholing, diving with the use of breathing apparatus, flying or other aerial activities (except as a fare-paying passenger in a licensed passenger-carrying aircraft) or manual work in connection with any trade or business
(v) arising directly or indirectly from or attributable to HIV or any HIV related illness including AIDS (Acquired Immune Deficiency Syndrome) or any mutant derivative or variations thereof however caused and whenever contracted.
(b) Funeral expenses in the United Kingdom or the Isle of Man.
(c) The cost of medical, surgical or other remedial treatment (including emergency dental treatment) or hospital or nursing home charges in respect of Injury occurring in the United Kingdom or the Isle of Man.

C. Personal Accident
What IS Insured
Benefit, as set out below, if an Insured Person sustains accidental bodily injury during an Insured Holiday.
1) £25,000 if the Insured Persons injury is, within 12 months, the sole cause of
i) death or
ii) complete and permanent loss of the sight of an eye or
iii) complete and permanent loss of the use of a hand or foot or
iv) permanent total disablement from attending to business or occupation of any kind.
If the Insured Person is aged under 16 years at the time of death the amount payable is limited to £2,500.
2) £25 per week (or necessarily incurred medical or other expenses up to £25 per week if the Insured Person is not normally gainfully employed) for a period of up to 104 weeks from the date of the injury during which that injury alone causes temporary total disablement from attending to the Insured Persons usual business or occupation.
We will not pay more than £25,000 for all injuries to any one Insured Person.
What IS NOT Insured
a) Any claim resulting from death of or injury to the Insured Person
(i) where the Insured Person has undertaken the Insured Holiday against the advice of a medical practitioner
(ii) arising from a medical condition for which, at the date of booking the Insured Holiday the Insured Person is receiving or is on a waiting list for in-patient treatment at a hospital or nursing home
(iii) arising from or contributed to by intentional self-injury or the use of drugs (except drugs taken under medical supervision for the treatment of a condition other
than drug addiction) or intoxicants
(iv) while the Insured Person is engaged during the Insured Holiday in winter sports (other than those insured under the Winter Sports subsection if specified as operative in the Schedule), racing (other than on foot), motor sports, professional sport, mountaineering necessitating the use of ropes or the services of a guide, rock-climbing, potholing, diving with the use of breathing apparatus, flying or other aerial activities (except as a fare-paying passenger in a licensed passenger-carrying aircraft) or manual work in connection with any trade or business
(v) arising directly or indirectly from or attributable to HIV or any HIV related illness including AIDS (Acquired Immune Deficiency Syndrome) or any mutant derivative or variations thereof however caused and whenever contracted.

B. Medical & Other Expenses
What IS Insured
Costs and expenses, as set out below, if an Insured Person sustains Injury during an Insured Holiday.
1) The cost of medical, surgical and other remedial treatment (including emergency dental treatment) and hospital and nursing home charges reasonably and necessarily incurred outside the United Kingdom and the Isle of Man within 12 months of the Injury.

B. Medical & Other Expenses
What IS Insured
Costs and expenses, as set out below, if an Insured Person sustains Injury during an Insured Holiday.
3) In the event of the Insured Persons death, funeral expenses in the country where death occurred or the cost of transport of the Insured Persons body or ashes to the Insured Persons home in the United Kingdom, the Isle of Man or the Channel Islands.
We will not pay more than £5,000,000 (£500 in the United Kingdom or the Isle of Man) per Insured Person in respect of any Insured Holiday, less the Excess specified in the Claims Settlement Provisions of this Section.

B. Medical & Other Expenses
What IS Insured
Costs and expenses, as set out below, if an Insured Person sustains Injury during an Insured Holiday.
3) In the event of the Insured Persons death, funeral expenses in the country where death occurred or the cost of transport of the Insured Persons body or ashes to the Insured Persons home in the United Kingdom, the Isle of Man or the Channel Islands.
We will not pay more than £5,000,000 (£500 in the United Kingdom or the Isle of Man) per Insured Person in respect of any Insured Holiday, less the Excess specified in the Claims Settlement Provisions of this Section.

E. Personal Money
Loss during an Insured Holiday of Money belonging to an Insured Person and not kept or used for business purposes.
Foreign currency and travellers cheques are insured during the period of 72 hours immediately before the start of an Insured Holiday.
We will not pay more than £300 per Insured Person in respect of any Insured Holiday, less the Excess specified in the Claims Settlement Provisions of this Section.
What IS NOT Insured
(a) Depreciation in value or shortages due to errors or omissions in receipts, payments or accountancy.
(b) Loss not reported to the police within 24 hours of its discovery by an Insured Person.
(c) Loss caused by delay, confiscation or detention by Customs or other officials.

Legal Expenses Personal Injury
For the purposes of this Section we,us and our means DAS Legal Expenses Insurance Company Limited, who provide the cover and manage all claims under this Section. If you think you may have a claim for Legal Expenses please contact DAS immediately since any legal costs incurred without the prior authorisation of DAS are not covered.
What IS Insured
We will negotiate for the legal rights of an Insured Person (including making or defending an appeal) in respect of an event occurring during an Insured Holiday which causes Injury to the Insured Person provided that we accept that it is always more likely than not that the Insured Person will recover damages (or obtain with our consent any legal remedy) or make a successful defence.
If an Appointed Solicitor is used we will pay the Legal Costs incurred.
We will not pay more than £50,000 in respect of all events arising from any one cause.
What IS NOT Insured
(a) Any Injury to the Insured Person which happens gradually or is not caused by a specific or sudden accident.
(b) Defending the legal rights of the Insured Person, but defending a counter-claim is covered.
(c) Any event intentionally brought about by the Insured Person.
(d) An application for Judicial Review.
(e) Any dispute between the Insured Person and DAS Legal Expenses Insurance Company Limited or the Co-operative Insurance Society Limited.
(f) Any event reported to us more than 180 days after the Insured Person should have known about the event occurring.
(g) Legal Costs incurred before our written acceptance of a claim.
(h) Any fines, penalties, compensation or damages which the Insured Person is ordered to pay.
(i) Any claim relating to a dispute between the Insured Persons.
(j) Any Legal Costs where the Appointed Solicitor handles the claim under a contingency fee arrangement.
Note
1. The Insured Person must co-operate fully with us and the Appointed Solicitor and must not take any legal action without our agreement or the agreement of an Appointed Solicitor.
2. We can take over and conduct in the name of the Insured Person, any claim or legal proceedings at any time. We can negotiate any claim on behalf of the Insured Person. Settlement will be agreed only with the consent of the Insured Person. Settlement will be agreed only with the Insured Person.
3. The Insured Person shall be free to choose an Appointed Solicitor (by sending us a suitably qualified persons name and address) if:
i(i) we agree to start legal proceedings and it becomes necessary for a lawyer to represent the interests of the Insured Person in those proceedings, or
(ii) there is a conflict of interest.
We may choose not to accept the Insured Persons choice, but only in exceptional circumstances. If there is a disagreement over the choice of Appointed Solicitor in these circumstances the Insured Person may choose another suitably qualified person.
4. In all circumstances other than those set out in 3. above, we shall be free to choose an Appointed Solicitor.
5. If there is a disagreement over the choice of Appointed Solicitor or about the handling of a claim, we and the Insured Person can choose another suitably qualified person to decide the matter. We and the Insured Person must both agree to the choice of this person in writing. Failing this, we 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.
6. If the Appointed Solicitor is dismissed by, or refuses to continue acting for, the Insured Person we will not pay any further Legal Costs unless we agree to the appointment of another Appointed Solicitor. If the Insured Person settles or withdraws their claim without our agreement the cover will end and we may reclaim any Legal Costs we have incurred.
7. The Insured Person must not settle a claim without our agreement and must inform us of any offer to settle a claim. If the Insured Person does not accept a reasonable offer to settle a claim we may refuse to pay any further Legal Costs. We may decide to pay the Insured Person the amount of damages claimed by or against them instead of starting or continuing legal proceedings.

H. Passport
What IS Insured
The transport and accommodation expenses reasonably and necessarily incurred in replacing an Insured Persons passport if it is lost outside the United Kingdom, the Isle of Man and the Channel Islands during an Insured Holiday.
We will not pay more than £300 per Insured Person in respect of any Insured Holiday, less the Excess specified in the Claims Settlement Provisions of this Section.
What IS NOT Insured
(a) Loss not reported to the police within 24 hours of its discovery by an Insured Person.
(b) Loss caused by delay, confiscation or detention by Customs or other officials.

Winter Sports (operative only if specified as operative in the Schedule)
What IS Insured
If during the Insured Holiday an Insured Person participates in dry-slope skiing, on-piste snow skiing, cross-country skiing, mono-skiing, snowboarding or tobogganing:
1) i) Loss of or damage to skis, bindings, ski boots, ski sticks and snowboards owned or hired by an Insured Person (including skis, bindings, ski boots, ski sticks and snowboards sent in advance) during an Insured Holiday.
We will not pay in respect of any Insured Holiday more than
a) £500 for skis, bindings, ski boots, ski sticks and snowboards owned by each Insured Person in addition to the cover provided under D. Personal Baggage of the Loss or Damage subsection
b) £150 for skis, bindings, ski boots, ski sticks and snowboards hired by each Insured Person in addition to the cover provided under D. Personal Baggage of the Loss or Damage subsection
less the Excess specified in the Claims Settlement Provisions of this Section.
ii) The necessary cost of the hire of skis, bindings, ski boots, ski sticks and snowboards following loss or damage insured under i) above.
We will not pay per Insured Person more than £15 per day, up to a maximum of £150 in respect of any Insured Holiday.
iii) The necessary cost of the hire of skis, bindings, ski boots, ski sticks and snowboards if the Insured Person is deprived of such items for more than 12 hours after arrival at the outward destination owing to their delay or misdirection.
We will not pay more than £150 per Insured Person in respect of any Insured Holiday in addition to the cover provided under D. Personal Baggage of the Loss or Damage subsection.
2) Loss of irrecoverable pre-paid costs of ski-lift passes, ski-school fees and hired skis, bindings, ski boots, ski sticks and snowboards if an Insured Person is unable to participate in winter sports activities following Injury insured under B. Medical & Other Expenses of the Loss or Damage subsection.
We will not pay per Insured Person more than £25 for each day during which the Insured Person is unable to participate in winter sports activities, up to a maximum of £250 in respect of any Insured Holiday.
3) Additional accommodation and transport expenses reasonably and necessarily incurred by an Insured Person if scheduled public transport services are cancelled or curtailed following avalanche or landslide.
We will not pay per Insured Person more than £30 per day, up to a maximum of £150 in respect of any Insured Holiday.
4) Benefit, as set out below, if during an Insured Holiday an Insured Person is prevented from skiing at the pre-booked resort for more than 24 consecutive hours following total closure of all on-piste skiing facilities as a direct result of high winds, lack of snow or excessive snow.
i) The cost of transfer to an alternative skiing area, up to a maximum of £30 per day, for each full day that the Insured Person is unable to ski.
ii) £30 per day for each full day that the Insured Person is unable to ski, where alternative facilities are not available locally.
We will not pay more than £300 per Insured Person in respect of any Insured Holiday.
What IS NOT Insured
1) (a) Loss or damage caused by
(i) depreciation, wear and tear, atmospheric, climatic or weather conditions, or any gradually operating cause
(ii) chewing, scratching, tearing or fouling by any domestic pet
(iii) vermin, insects or fungus
(iv) any process of adjusting, altering, cleaning, dyeing, renovating, repairing or restoring
(v) delay, confiscation or detention by Customs or other officials.
(b) Depreciation (including diminution in value as a consequence of repair).
(c) Loss of or damage to any article which is more than four years old.
2) Any claim where the Insured Person does not provide written confirmation from a qualified medical practitioner of the reason for, and the dates of, the Insured Persons inability to participate in winter sports.
3) Any claim where the Insured Person does not provide written confirmation from the tour operators representative or resort management of the dates of, and reason for, cancellation of transport services.
4) (a) Any claim where the Insured Person does not provide written confirmation from the tour operators representative or ski lift operator of the dates of, and reason for, closure of on-piste facilities.
(b) Any claim in respect of an event occuring between 1st May and 30th November inclusive.
(c) Any claim in respect of an event occuring in the United Kingdom.

Winter Sports (operative only if specified as operative in the Schedule)
What IS Insured
If during the Insured Holiday an Insured Person participates in dry-slope skiing, on-piste snow skiing, cross-country skiing, mono-skiing, snowboarding or tobogganing:
1) i) Loss of or damage to skis, bindings, ski boots, ski sticks and snowboards owned or hired by an Insured Person (including skis, bindings, ski boots, ski sticks and snowboards sent in advance) during an Insured Holiday.
We will not pay in respect of any Insured Holiday more than
a) £500 for skis, bindings, ski boots, ski sticks and snowboards owned by each Insured Person in addition to the cover provided under D. Personal Baggage of the Loss or Damage subsection
b) £150 for skis, bindings, ski boots, ski sticks and snowboards hired by each Insured Person in addition to the cover provided under D. Personal Baggage of the Loss or Damage subsection
less the Excess specified in the Claims Settlement Provisions of this Section.
ii) The necessary cost of the hire of skis, bindings, ski boots, ski sticks and snowboards following loss or damage insured under i) above.
We will not pay per Insured Person more than £15 per day, up to a maximum of £150 in respect of any Insured Holiday.
iii) The necessary cost of the hire of skis, bindings, ski boots, ski sticks and snowboards if the Insured Person is deprived of such items for more than 12 hours after arrival at the outward destination owing to their delay or misdirection.
We will not pay more than £150 per Insured Person in respect of any Insured Holiday in addition to the cover provided under D. Personal Baggage of the Loss or Damage subsection.
2) Loss of irrecoverable pre-paid costs of ski-lift passes, ski-school fees and hired skis, bindings, ski boots, ski sticks and snowboards if an Insured Person is unable to participate in winter sports activities following Injury insured under B. Medical & Other Expenses of the Loss or Damage subsection.
We will not pay per Insured Person more than £25 for each day during which the Insured Person is unable to participate in winter sports activities, up to a maximum of £250 in respect of any Insured Holiday.
3) Additional accommodation and transport expenses reasonably and necessarily incurred by an Insured Person if scheduled public transport services are cancelled or curtailed following avalanche or landslide.
We will not pay per Insured Person more than £30 per day, up to a maximum of £150 in respect of any Insured Holiday.
4) Benefit, as set out below, if during an Insured Holiday an Insured Person is prevented from skiing at the pre-booked resort for more than 24 consecutive hours following total closure of all on-piste skiing facilities as a direct result of high winds, lack of snow or excessive snow.
i) The cost of transfer to an alternative skiing area, up to a maximum of £30 per day, for each full day that the Insured Person is unable to ski.
ii) £30 per day for each full day that the Insured Person is unable to ski, where alternative facilities are not available locally.
We will not pay more than £300 per Insured Person in respect of any Insured Holiday.
What IS NOT Insured
1) (a) Loss or damage caused by
(i) depreciation, wear and tear, atmospheric, climatic or weather conditions, or any gradually operating cause
(ii) chewing, scratching, tearing or fouling by any domestic pet
(iii) vermin, insects or fungus
(iv) any process of adjusting, altering, cleaning, dyeing, renovating, repairing or restoring
(v) delay, confiscation or detention by Customs or other officials.
(b) Depreciation (including diminution in value as a consequence of repair).
(c) Loss of or damage to any article which is more than four years old.
2) Any claim where the Insured Person does not provide written confirmation from a qualified medical practitioner of the reason for, and the dates of, the Insured Persons inability to participate in winter sports.
3) Any claim where the Insured Person does not provide written confirmation from the tour operators representative or resort management of the dates of, and reason for, cancellation of transport services.
4) (a) Any claim where the Insured Person does not provide written confirmation from the tour operators representative or ski lift operator of the dates of, and reason for, closure of on-piste facilities.
(b) Any claim in respect of an event occuring between 1st May and 30th November inclusive.
(c) Any claim in respect of an event occuring in the United Kingdom.

Winter Sports (operative only if specified as operative in the Schedule)
What IS Insured
If during the Insured Holiday an Insured Person participates in dry-slope skiing, on-piste snow skiing, cross-country skiing, mono-skiing, snowboarding or tobogganing:
b) £150 for skis, bindings, ski boots, ski sticks and snowboards hired by each Insured Person in addition to the cover provided under D. Personal Baggage of the Loss or Damage subsection
less the Excess specified in the Claims Settlement Provisions of this Section.

Winter Sports (operative only if specified as operative in the Schedule)
What IS Insured
If during the Insured Holiday an Insured Person participates in dry-slope skiing, on-piste snow skiing, cross-country skiing, mono-skiing, snowboarding or tobogganing:
2) Loss of irrecoverable pre-paid costs of ski-lift passes, ski-school fees and hired skis, bindings, ski boots, ski sticks and snowboards if an Insured Person is unable to participate in winter sports activities following Injury insured under B. Medical & Other Expenses of the Loss or Damage subsection.
We will not pay per Insured Person more than £25 for each day during which the Insured Person is unable to participate in winter sports activities, up to a maximum of £250 in respect of any Insured Holiday.

Winter Sports (operative only if specified as operative in the Schedule)
What IS Insured
If during the Insured Holiday an Insured Person participates in dry-slope skiing, on-piste snow skiing, cross-country skiing, mono-skiing, snowboarding or tobogganing:
1) i) Loss of or damage to skis, bindings, ski boots, ski sticks and snowboards owned or hired by an Insured Person (including skis, bindings, ski boots, ski sticks and snowboards sent in advance) during an Insured Holiday.
We will not pay in respect of any Insured Holiday more than
a) £500 for skis, bindings, ski boots, ski sticks and snowboards owned by each Insured Person in addition to the cover provided under D. Personal Baggage of the Loss or Damage subsection
b) £150 for skis, bindings, ski boots, ski sticks and snowboards hired by each Insured Person in addition to the cover provided under D. Personal Baggage of the Loss or Damage subsection
less the Excess specified in the Claims Settlement Provisions of this Section.
ii) The necessary cost of the hire of skis, bindings, ski boots, ski sticks and snowboards following loss or damage insured under i) above.
We will not pay per Insured Person more than £15 per day, up to a maximum of £150 in respect of any Insured Holiday.
iii) The necessary cost of the hire of skis, bindings, ski boots, ski sticks and snowboards if the Insured Person is deprived of such items for more than 12 hours after arrival at the outward destination owing to their delay or misdirection.
We will not pay more than £150 per Insured Person in respect of any Insured Holiday in addition to the cover provided under D. Personal Baggage of the Loss or
Damage subsection.
2) Loss of irrecoverable pre-paid costs of ski-lift passes, ski-school fees and hired skis, bindings, ski boots, ski sticks and snowboards if an Insured Person is unable to participate in winter sports activities following Injury insured under B. Medical & Other Expenses of the Loss or Damage subsection.
We will not pay per Insured Person more than £25 for each day during which the Insured Person is unable to participate in winter sports activities, up to a maximum of £250 in respect of any Insured Holiday.
3) Additional accommodation and transport expenses reasonably and necessarily incurred by an Insured Person if scheduled public transport services are cancelled or curtailed following avalanche or landslide.
We will not pay per Insured Person more than £30 per day, up to a maximum of £150 in respect of any Insured Holiday.
4) Benefit, as set out below, if during an Insured Holiday an Insured Person is prevented from skiing at the pre-booked resort for more than 24 consecutive hours following total closure of all on-piste skiing facilities as a direct result of high winds, lack of snow or excessive snow.
i) The cost of transfer to an alternative skiing area, up to a maximum of £30 per day, for each full day that the Insured Person is unable to ski.
ii) £30 per day for each full day that the Insured Person is unable to ski, where alternative facilities are not available locally.
We will not pay more than £300 per Insured Person in respect of any Insured Holiday.
What IS NOT Insured
1) (a) Loss or damage caused by
(i) depreciation, wear and tear, atmospheric, climatic or weather conditions, or any gradually operating cause
(ii) chewing, scratching, tearing or fouling by any domestic pet
(iii) vermin, insects or fungus
(iv) any process of adjusting, altering, cleaning, dyeing, renovating, repairing or restoring
(v) delay, confiscation or detention by Customs or other officials.
(b) Depreciation (including diminution in value as a consequence of repair).
(c) Loss of or damage to any article which is more than four years old.
2) Any claim where the Insured Person does not provide written confirmation from a qualified medical practitioner of the reason for, and the dates of, the Insured Persons inability to participate in winter sports.
3) Any claim where the Insured Person does not provide written confirmation from the tour operators representative or resort management of the dates of, and reason for, cancellation of transport services.
4) (a) Any claim where the Insured Person does not provide written confirmation from the tour operators representative or ski lift operator of the dates of, and reason for, closure of on-piste facilities.
(b) Any claim in respect of an event occuring between 1st May and 30th November inclusive.
(c) Any claim in respect of an event occuring in the United Kingdom.

Winter Sports (operative only if specified as operative in the Schedule)
What IS Insured
If during the Insured Holiday an Insured Person participates in dry-slope skiing, on-piste snow skiing, cross-country skiing, mono-skiing, snowboarding or tobogganing:
1) i) Loss of or damage to skis, bindings, ski boots, ski sticks and snowboards owned or hired by an Insured Person (including skis, bindings, ski boots, ski sticks and snowboards sent in advance) during an Insured Holiday.
We will not pay in respect of any Insured Holiday more than
a) £500 for skis, bindings, ski boots, ski sticks and snowboards owned by each Insured Person in addition to the cover provided under D. Personal Baggage of the Loss or Damage subsection
b) £150 for skis, bindings, ski boots, ski sticks and snowboards hired by each Insured Person in addition to the cover provided under D. Personal Baggage of the Loss or Damage subsection
less the Excess specified in the Claims Settlement Provisions of this Section.
ii) The necessary cost of the hire of skis, bindings, ski boots, ski sticks and snowboards following loss or damage insured under i) above.
We will not pay per Insured Person more than £15 per day, up to a maximum of £150 in respect of any Insured Holiday.
iii) The necessary cost of the hire of skis, bindings, ski boots, ski sticks and snowboards if the Insured Person is deprived of such items for more than 12 hours after arrival at the outward destination owing to their delay or misdirection.
We will not pay more than £150 per Insured Person in respect of any Insured Holiday in addition to the cover provided under D. Personal Baggage of the Loss or Damage subsection.
2) Loss of irrecoverable pre-paid costs of ski-lift passes, ski-school fees and hired skis, bindings, ski boots, ski sticks and snowboards if an Insured Person is unable to participate in winter sports activities following Injury insured under B. Medical & Other Expenses of the Loss or Damage subsection.
We will not pay per Insured Person more than £25 for each day during which the Insured Person is unable to participate in winter sports activities, up to a maximum of £250 in respect of any Insured Holiday.
3) Additional accommodation and transport expenses reasonably and necessarily incurred by an Insured Person if scheduled public transport services are cancelled or curtailed following avalanche or landslide.
We will not pay per Insured Person more than £30 per day, up to a maximum of £150 in respect of any Insured Holiday.
4) Benefit, as set out below, if during an Insured Holiday an Insured Person is prevented from skiing at the pre-booked resort for more than 24 consecutive hours following total closure of all on-piste skiing facilities as a direct result of high winds, lack of snow or excessive snow.
i) The cost of transfer to an alternative skiing area, up to a maximum of £30 per day, for each full day that the Insured Person is unable to ski.
ii) £30 per day for each full day that the Insured Person is unable to ski, where alternative facilities are not available locally.
We will not pay more than £300 per Insured Person in respect of any Insured Holiday.
What IS NOT Insured
1) (a) Loss or damage caused by
(i) depreciation, wear and tear, atmospheric, climatic or weather conditions, or any gradually operating cause
(ii) chewing, scratching, tearing or fouling by any domestic pet
(iii) vermin, insects or fungus
(iv) any process of adjusting, altering, cleaning, dyeing, renovating, repairing or restoring
(v) delay, confiscation or detention by Customs or other officials.
(b) Depreciation (including diminution in value as a consequence of repair).
(c) Loss of or damage to any article which is more than four years old.
2) Any claim where the Insured Person does not provide written confirmation from a qualified medical practitioner of the reason for, and the dates of, the Insured Persons inability to participate in winter sports.
3) Any claim where the Insured Person does not provide written confirmation from the tour operators representative or resort management of the dates of, and reason for, cancellation of transport services.
4) (a) Any claim where the Insured Person does not provide written confirmation from the tour operators representative or ski lift operator of the dates of, and reason for, closure of on-piste facilities.
(b) Any claim in respect of an event occuring between 1st May and 30th November inclusive.
(c) Any claim in respect of an event occuring in the United Kingdom.

Winter Sports (operative only if specified as operative in the Schedule)
What IS Insured
If during the Insured Holiday an Insured Person participates in dry-slope skiing, on-piste snow skiing, cross-country skiing, mono-skiing, snowboarding or tobogganing:
1) i) Loss of or damage to skis, bindings, ski boots, ski sticks and snowboards owned or hired by an Insured Person (including skis, bindings, ski boots, ski sticks and snowboards sent in advance) during an Insured Holiday.
We will not pay in respect of any Insured Holiday more than
a) £500 for skis, bindings, ski boots, ski sticks and snowboards owned by each Insured Person in addition to the cover provided under D. Personal Baggage of the Loss or Damage subsection
b) £150 for skis, bindings, ski boots, ski sticks and snowboards hired by each Insured Person in addition to the cover provided under D. Personal Baggage of the Loss or Damage subsection
less the Excess specified in the Claims Settlement Provisions of this Section.
ii) The necessary cost of the hire of skis, bindings, ski boots, ski sticks and snowboards following loss or damage insured under i) above.
We will not pay per Insured Person more than £15 per day, up to a maximum of £150 in respect of any Insured Holiday.
iii) The necessary cost of the hire of skis, bindings, ski boots, ski sticks and snowboards if the Insured Person is deprived of such items for more than 12 hours after arrival at the outward destination owing to their delay or misdirection.
We will not pay more than £150 per Insured Person in respect of any Insured Holiday in addition to the cover provided under D. Personal Baggage of the Loss or Damage subsection.
2) Loss of irrecoverable pre-paid costs of ski-lift passes, ski-school fees and hired skis, bindings, ski boots, ski sticks and snowboards if an Insured Person is unable to participate in winter sports activities following Injury insured under B. Medical & Other Expenses of the Loss or Damage subsection.
We will not pay per Insured Person more than £25 for each day during which the Insured Person is unable to participate in winter sports activities, up to a maximum of £250 in respect of any Insured Holiday.
3) Additional accommodation and transport expenses reasonably and necessarily incurred by an Insured Person if scheduled public transport services are cancelled or curtailed following avalanche or landslide.
We will not pay per Insured Person more than £30 per day, up to a maximum of £150 in respect of any Insured Holiday.
4) Benefit, as set out below, if during an Insured Holiday an Insured Person is prevented from skiing at the pre-booked resort for more than 24 consecutive hours
following total closure of all on-piste skiing facilities as a direct result of high winds, lack of snow or excessive snow.
i) The cost of transfer to an alternative skiing area, up to a maximum of £30 per day, for each full day that the Insured Person is unable to ski.
ii) £30 per day for each full day that the Insured Person is unable to ski, where alternative facilities are not available locally.
We will not pay more than £300 per Insured Person in respect of any Insured Holiday.
What IS NOT Insured
1) (a) Loss or damage caused by
(i) depreciation, wear and tear, atmospheric, climatic or weather conditions, or any gradually operating cause
(ii) chewing, scratching, tearing or fouling by any domestic pet
(iii) vermin, insects or fungus
(iv) any process of adjusting, altering, cleaning, dyeing, renovating, repairing or restoring
(v) delay, confiscation or detention by Customs or other officials.
(b) Depreciation (including diminution in value as a consequence of repair).
(c) Loss of or damage to any article which is more than four years old.
2) Any claim where the Insured Person does not provide written confirmation from a qualified medical practitioner of the reason for, and the dates of, the Insured Persons inability to participate in winter sports.
3) Any claim where the Insured Person does not provide written confirmation from the tour operators representative or resort management of the dates of, and reason for, cancellation of transport services.
4) (a) Any claim where the Insured Person does not provide written confirmation from the tour operators representative or ski lift operator of the dates of, and reason for, closure of on-piste facilities.
(b) Any claim in respect of an event occuring between 1st May and 30th November inclusive.
(c) Any claim in respect of an event occuring in the United Kingdom.

Winter Sports (operative only if specified as operative in the Schedule)
What IS Insured
If during the Insured Holiday an Insured Person participates in dry-slope skiing, on-piste snow skiing, cross-country skiing, mono-skiing, snowboarding or tobogganing:
1) i) Loss of or damage to skis, bindings, ski boots, ski sticks and snowboards owned or hired by an Insured Person (including skis, bindings, ski boots, ski sticks and snowboards sent in advance) during an Insured Holiday.
We will not pay in respect of any Insured Holiday more than
a) £500 for skis, bindings, ski boots, ski sticks and snowboards owned by each Insured Person in addition to the cover provided under D. Personal Baggage of the Loss or Damage subsection
b) £150 for skis, bindings, ski boots, ski sticks and snowboards hired by each Insured Person in addition to the cover provided under D. Personal Baggage of the Loss or Damage subsection
less the Excess specified in the Claims Settlement Provisions of this Section.
ii) The necessary cost of the hire of skis, bindings, ski boots, ski sticks and snowboards following loss or damage insured under i) above.
We will not pay per Insured Person more than £15 per day, up to a maximum of £150 in respect of any Insured Holiday.
iii) The necessary cost of the hire of skis, bindings, ski boots, ski sticks and snowboards if the Insured Person is deprived of such items for more than 12 hours after arrival at the outward destination owing to their delay or misdirection.
We will not pay more than £150 per Insured Person in respect of any Insured Holiday in addition to the cover provided under D. Personal Baggage of the Loss or Damage subsection.
2) Loss of irrecoverable pre-paid costs of ski-lift passes, ski-school fees and hired skis, bindings, ski boots, ski sticks and snowboards if an Insured Person is unable to participate in winter sports activities following Injury insured under B. Medical & Other Expenses of the Loss or Damage subsection.
We will not pay per Insured Person more than £25 for each day during which the Insured Person is unable to participate in winter sports activities, up to a maximum of £250 in respect of any Insured Holiday.
3) Additional accommodation and transport expenses reasonably and necessarily incurred by an Insured Person if scheduled public transport services are cancelled or curtailed following avalanche or landslide.
We will not pay per Insured Person more than £30 per day, up to a maximum of £150 in respect of any Insured Holiday.
4) Benefit, as set out below, if during an Insured Holiday an Insured Person is prevented from skiing at the pre-booked resort for more than 24 consecutive hours following total closure of all on-piste skiing facilities as a direct result of high winds, lack of snow or excessive snow.
i) The cost of transfer to an alternative skiing area, up to a maximum of £30 per day, for each full day that the Insured Person is unable to ski.
ii) £30 per day for each full day that the Insured Person is unable to ski, where alternative facilities are not available locally.
We will not pay more than £300 per Insured Person in respect of any Insured Holiday.
What IS NOT Insured
1) (a) Loss or damage caused by
(i) depreciation, wear and tear, atmospheric, climatic or weather conditions, or any gradually operating cause
(ii) chewing, scratching, tearing or fouling by any domestic pet
(iii) vermin, insects or fungus
(iv) any process of adjusting, altering, cleaning, dyeing, renovating, repairing or restoring
(v) delay, confiscation or detention by Customs or other officials.
(b) Depreciation (including diminution in value as a consequence of repair).
(c) Loss of or damage to any article which is more than four years old.
2) Any claim where the Insured Person does not provide written confirmation from a qualified medical practitioner of the reason for, and the dates of, the Insured Persons inability to participate in winter sports.
3) Any claim where the Insured Person does not provide written confirmation from the tour operators representative or resort management of the dates of, and reason for, cancellation of transport services.
4) (a) Any claim where the Insured Person does not provide written confirmation from the tour operators representative or ski lift operator of the dates of, and reason for, closure of on-piste facilities.
(b) Any claim in respect of an event occuring between 1st May and 30th November inclusive.
(c) Any claim in respect of an event occuring in the United Kingdom.

Winter Sports (operative only if specified as operative in the Schedule)
What IS Insured
If during the Insured Holiday an Insured Person participates in dry-slope skiing, on-piste snow skiing, cross-country skiing, mono-skiing, snowboarding or tobogganing:
ii) The necessary cost of the hire of skis, bindings, ski boots, ski sticks and snowboards following loss or damage insured under i) above.
We will not pay per Insured Person more than £15 per day, up to a maximum of £150 in respect of any Insured Holiday.

Winter Sports (operative only if specified as operative in the Schedule)
What IS Insured
If during the Insured Holiday an Insured Person participates in dry-slope skiing, on-piste snow skiing, cross-country skiing, mono-skiing, snowboarding or tobogganing:
ii) The necessary cost of the hire of skis, bindings, ski boots, ski sticks and snowboards following loss or damage insured under i) above.
We will not pay per Insured Person more than £15 per day, up to a maximum of £150 in respect of any Insured Holiday.

D. Personal Baggage
What IS Insured
1) Loss of or damage to an Insured Persons personal baggage (including clothing being worn and baggage sent in advance) during an Insured Holiday.
We will not pay in respect of any Insured Holiday more than
i) £250 for any one article, pair, set or collection
ii) £1,500 per Insured Person less the Excess specified in the Claims Settlement Provisions of this Section.
2) The cost of the emergency purchase of clothing and toilet necessities if the Insured Person is deprived of their personal baggage for more than 12 hours after arrival at the outward destination owing to delay or misdirection.
We will not pay more than £100 per Insured Person in respect of any Insured Holiday.
What IS NOT Insured
(a) Mechanical, electrical, electronic or computer failure or breakdown.
(b) Loss or damage caused by
(i) depreciation, wear and tear, atmospheric, climatic or weather conditions, or any gradually operating cause
(ii) chewing, scratching, tearing or fouling by any domestic pet
(iii) vermin, insects or fungus
(iv) any process of adjusting, altering, cleaning, dyeing, renovating, repairing or restoring
(v) delay, confiscation or detention by Customs or other officials.
(c) Depreciation (including diminution in value as a consequence of repair).
(d) Loss of or damage to contact lenses, Money, securities, certificates, documents or any property more specifically insured.
(e) Breakage of fragile articles unless caused by fire or theft or by accident to the conveying vehicle, vessel or aircraft.

D. Personal Baggage
What IS Insured
1) Loss of or damage to an Insured Persons personal baggage (including clothing being worn and baggage sent in advance) during an Insured Holiday.
We will not pay in respect of any Insured Holiday more than
i) £250 for any one article, pair, set or collection
ii) £1,500 per Insured Person less the Excess specified in the Claims Settlement Provisions of this Section.
2) The cost of the emergency purchase of clothing and toilet necessities if the Insured Person is deprived of their personal baggage for more than 12 hours after arrival at the outward destination owing to delay or misdirection.
We will not pay more than £100 per Insured Person in respect of any Insured Holiday.
What IS NOT Insured
(a) Mechanical, electrical, electronic or computer failure or breakdown.
(b) Loss or damage caused by
(i) depreciation, wear and tear, atmospheric, climatic or weather conditions, or any gradually operating cause
(ii) chewing, scratching, tearing or fouling by any domestic pet
(iii) vermin, insects or fungus
(iv) any process of adjusting, altering, cleaning, dyeing, renovating, repairing or restoring
(v) delay, confiscation or detention by Customs or other officials.
(c) Depreciation (including diminution in value as a consequence of repair).
(d) Loss of or damage to contact lenses, Money, securities, certificates, documents or any property more specifically insured.
(e) Breakage of fragile articles unless caused by fire or theft or by accident to the conveying vehicle, vessel or aircraft.

A. Cancellation or Curtailment
What IS Insured
1) Irrecoverable transport and accommodation deposits or charges paid by an Insured Person or which an Insured Person is legally obliged to pay and which have not been and will not be used if an Insured Holiday is necessarily cancelled or curtailed as a result of
i) Injury, pregnancy, quarantine, liability for jury service or witness summons of
a) the Insured Person or the Insured Persons travelling companion
b) any relative, fianc?) or close business colleague of the Insured Person or their travelling companion
c) any person with whom the Insured Person or their travelling companion is staying or intending to stay
ii) the Insured Person, their spouse or their travelling companion becoming unemployed, provided that such person is entitled to receive unemployment benefit
iii) the Insured Persons home becoming uninhabitable following fire, explosion, earthquake, malicious acts, vandalism, storm, flood or other water damage
iv) the Insured Persons presence being required by the police following a burglary at their home or place of business
v) strike, industrial action, hi-jack, riot or civil commotion
vi) delay in the departure of the Transport as specified in the itinerary supplied to the Insured Person caused by adverse weather or breakdown of the aircraft, ship or train
occurring within the Period of Insurance shown in the Certificate of Travel Insurance issued with the Schedule and after the date on which the Insured Holiday is booked.
2) Reasonable additional transport and accommodation expenses not otherwise recoverable incurred by an Insured Person if, during the Insured Holiday, the Insured Person has necessarily to return to their home in the United Kingdom, the Isle of Man or the Channel Islands because of
i) Injury to
a) the Insured Persons travelling companion
b) any relative, fianc?) or close business colleague of the Insured Person or their travelling companion
c) any person with whom the Insured Person or their travelling companion is staying
ii) riot, civil commotion or strike in transport or accommodation services.
We will not pay more than £3,000 per Insured Person in respect of any Insured Holiday.
What IS NOT Insured
(a) Any claim resulting from Injury to the Insured Person
(i) where the Insured Person has undertaken or, in the case of a claim for cancellation charges, has booked the Insured Holiday against the advice of a medical practitioner
(ii) arising from a medical condition for which, at the date of booking the Insured Holiday, the Insured Person is receiving or is on a waiting list for in-patient treatment at a hospital or nursing home
(iii) arising from or contributed to by intentional self-injury or the use of drugs (except drugs taken under medical supervision for the treatment of a condition other than drug addiction) or intoxicants
(iv) while the Insured Person is engaged during the Insured Holiday in winter sports (other than those insured under the Winter Sports subsection if specified as operative in the Schedule), racing (other than on foot), motor sports, professional sport, mountaineering necessitating the use of ropes or the services of a guide, rock-climbing, potholing, diving with the use of breathing apparatus, flying or other aerial activities (except as a fare-paying passenger in a licensed passenger-carrying aircraft) or manual work in connection with any trade or business
(v) arising directly or indirectly from or attributable to HIV or any HIV related illness including AIDS (Acquired Immune Deficiency Syndrome) or any mutant derivative or variations thereof however caused and whenever contracted.
(b) Cancellation, curtailment or delay resulting from a strike or industrial action in which the Insured Person is taking part or which was in progress or notified by declaration of intent at the date of booking the Insured Holiday.
(c) Any delay unless the Insured Person checked-in in accordance with the itinerary and obtained written confirmation from the carrier or their handling agents of the period and cause of the delay.
(d) Any delay caused by the withdrawal from service of an aircraft, ship or train on the orders or recommendation of the Civil Aviation Authority, a Port Authority or any similar body in any country.
(e) Injury, loss, damage, expense or legal liability arising directly or indirectly from computer failure or breakdown.

G. Missed Departure
What IS Insured
Additional transport and accommodation expenses reasonably and necessarily incurred by an Insured Person to enable the Insured Person to reach their intended destination if they arrive at the airport, port or station too late to join the Transport as a result of
1) delay caused to public transport or
2) accidental damage to, or breakdown of, a private motor vehicle by which they are travelling there.
We will not pay more than £500 per Insured Person in respect of any Insured Holiday.
What IS NOT Insured
(a) Any claim arising from
(i) strike or industrial action in which the Insured Person is taking part or which was in progress or notified by declaration of intent at the time of departure for the airport, port or station
(ii) the Insured Persons failure to take all reasonable steps to arrive at the airport, port or station in time to join the Transport.
(b) Missed departure arising from the breakdown of a private motor vehicle which has not been serviced in accordance with the manufacturers recommendations.

F. Delayed Departure
What IS Insured
Benefit, as set out below, if the departure of the Transport is delayed as the direct result of strike, industrial action, hi-jack, adverse weather or breakdown of the aircraft, ship or train.
1) £50 for the first full 12 hours of delay and
2) £25 for each subsequent full 12 hours of delay.
We will not pay more than £150 per Insured Person in respect of any Insured Holiday.
The period of delay will be calculated from the date and time of departure specified in the itinerary supplied to the Insured Person.
What IS NOT Insured
(a) Delay consequent upon a strike or industrial action in which the Insured Person is taking part or which was in progress or notified by declaration of intent at the date of booking the Insured Holiday.
(b) Any delay unless the Insured Person checked-in in accordance with the itinerary and obtained written confirmation from the carrier or their handling agents of the period and cause of the delay.
(c) Delay caused by the withdrawal from service of an aircraft, ship or train on the orders or recommendation of the Civil Aviation Authority, a Port Authority or any similar body in any country.
(d) Delay in respect of which a claim is made under A. Cancellation or Curtailment.

A. Cancellation or Curtailment
What IS Insured
1) Irrecoverable transport and accommodation deposits or charges paid by an Insured Person or which an Insured Person is legally obliged to pay and which have not been and will not be used if an Insured Holiday is necessarily cancelled or curtailed as a result of
i) Injury, pregnancy, quarantine, liability for jury service or witness summons of
a) the Insured Person or the Insured Persons travelling companion
b) any relative, fianc?) or close business colleague of the Insured Person or their travelling companion
c) any person with whom the Insured Person or their travelling companion is staying or intending to stay
ii) the Insured Person, their spouse or their travelling companion becoming unemployed, provided that such person is entitled to receive unemployment benefit
iii) the Insured Persons home becoming uninhabitable following fire, explosion, earthquake, malicious acts, vandalism, storm, flood or other water damage
iv) the Insured Persons presence being required by the police following a burglary at their home or place of business
v) strike, industrial action, hi-jack, riot or civil commotion
vi) delay in the departure of the Transport as specified in the itinerary supplied to the Insured Person caused by adverse weather or breakdown of the aircraft, ship or train
occurring within the Period of Insurance shown in the Certificate of Travel Insurance issued with the Schedule and after the date on which the Insured Holiday is booked.
2) Reasonable additional transport and accommodation expenses not otherwise recoverable incurred by an Insured Person if, during the Insured Holiday, the Insured Person has necessarily to return to their home in the United Kingdom, the Isle of Man or the Channel Islands because of
i) Injury to
a) the Insured Persons travelling companion
b) any relative, fianc?) or close business colleague of the Insured Person or their travelling companion
c) any person with whom the Insured Person or their travelling companion is staying
ii) riot, civil commotion or strike in transport or accommodation services.
We will not pay more than £3,000 per Insured Person in respect of any Insured Holiday.
What IS NOT Insured
(a) Any claim resulting from Injury to the Insured Person
(i) where the Insured Person has undertaken or, in the case of a claim for cancellation charges, has booked the Insured Holiday against the advice of a medical practitioner
(ii) arising from a medical condition for which, at the date of booking the Insured Holiday, the Insured Person is receiving or is on a waiting list for in-patient treatment at a hospital or nursing home
(iii) arising from or contributed to by intentional self-injury or the use of drugs (except drugs taken under medical supervision for the treatment of a condition other than drug addiction) or intoxicants
(iv) while the Insured Person is engaged during the Insured Holiday in winter sports (other than those insured under the Winter Sports subsection if specified as operative in the Schedule), racing (other than on foot), motor sports, professional sport, mountaineering necessitating the use of ropes or the services of a guide, rock-climbing, potholing, diving with the use of breathing apparatus, flying or other aerial activities (except as a fare-paying passenger in a licensed passenger-carrying aircraft) or manual work in connection with any trade or business
(v) arising directly or indirectly from or attributable to HIV or any HIV related illness including AIDS (Acquired Immune Deficiency Syndrome) or any mutant derivative or variations thereof however caused and whenever contracted.
(b) Cancellation, curtailment or delay resulting from a strike or industrial action in which the Insured Person is taking part or which was in progress or notified by declaration of intent at the date of booking the Insured Holiday.
(c) Any delay unless the Insured Person checked-in in accordance with the itinerary and obtained written confirmation from the carrier or their handling agents of the period and cause of the delay.
(d) Any delay caused by the withdrawal from service of an aircraft, ship or train on the orders or recommendation of the Civil Aviation Authority, a Port Authority or any similar body in any country.
(e) Injury, loss, damage, expense or legal liability arising directly or indirectly from computer failure or breakdown.

Personal Liability
What IS Insured
1) Legal liability for damages and claimantscosts and expenses incurred by an Insured Person in respect of accidents resulting in Injury to any person or accidental loss of or damage to property (other than property as specified in 2) during an Insured Holiday.
We will not pay more than £2,000,000 in respect of all events arising from any one cause.
2) Legal liability for damages and claimants costs and expenses incurred by an Insured Person in respect of accidents during an Insured Holiday resulting in damage to rented holiday accommodation which the Insured Person is temporarily occupying.
We will not pay more than £25,000 in respect of all events arising from any one cause, less the Excess specified in the Claims Settlement Provisions of this Section.
3) Costs and expenses incurred with our consent.
What IS NOT Insured
(a) Injury to
(i) any member of the Insured Persons family permanently living with the Insured Person or
(ii) any employee, arising out of and in the course of employment by the Insured Person.
(b) Loss of or damage to property owned by or in the care of an Insured Person (other than as insured under 2).
(c) Injury, loss or damage caused by or arising from
(i) the Insured Persons ownership or occupation of any land or building, other than the temporary occupation of rented holiday accommodation
(ii) the profession, trade, occupation, business or employment of the Insured Person
(iii) animals (other than domestic animals), the use of lifts, caravans, boats, aircraft, model aircraft, mechanically propelled road vehicles or horses used for hunting,
racing or steeple-chasing.
(d) Injury, loss, damage, expense or legal liability arising directly or indirectly from computer failure or breakdown.
(e) Liability which arises only because of an agreement.

How to obtain Personal Legal Advice and Pre-Travel Advice
Pre-Travel Advice
Available only if the Travel Section is specified as operative in the Schedule.
We have arranged with Inter Partner Assistance that, if prior to your departure, you require information about your destination they will, within 24 hours, provide any available information on the following topics:
- Weather conditions
- Health information and precautions (including vaccination requirements)
- Passport and visa requirements
- Tourist import and export allowances
- Embassy addresses and telephone numbers
- Currency and general banking information
- Public holidays
- Languages and general cultural information
Whilst every effort will be made to ensure that information provided is correct, Inter Partner Assistance depend upon sources outside their control and cannot accept responsibility for errors and omissions.
Call 01737 815 013
Available 24 hours a day, 7 days a week

Emergency Travel Assistance
Available only if the Travel Section is specified as operative in the Schedule.
We have arranged with Inter Partner Assistance for its worldwide 24-hour emergency assistance service to be available to you when you are travelling abroad. The service does not apply to travel in the United Kingdom or the Isle of Man.
If you need emergency assistance telephone Inter Partner Assistance immediately as explained in the Certificate of Travel Insurance issued with the Schedule. Remember to take your Certificate of Travel Insurance with you when you travel
so that you have the information to hand if you need it. The chief object of the service is to help you with serious problems in unfamiliar surroundings and it is an essential condition of the service that Inter Partner Assistance will decide the most suitable action to be taken in each case.
Call 01737 815 013 - Available 24 hours a day, 7 days a week

Claims Settlement Provisions
Loss or Damage and (if operative) Winter Sports
A.
1. We will settle a claim for loss of or damage to property by payment or, at our option, by repair or replacement, on the basis of the cost of repair or of replacement as new if an article is totally lost or destroyed, less an allowance for any depreciation and wear and tear, subject to any relevant monetary limit specified in this Section.
2. We will settle other claims by payment of the costs, charges or expenses incurred or by payment of the relevant amounts specified, subject to any relevant monetary limit specified in this Section. We will pay weekly benefit under C. Personal Accident of the Loss or Damage subsection only when the total amount payable for that benefit has been agreed.
B.
1. An Excess of £50 will apply to each claim wherever an Excess is indicated in this Section.
2. We will deduct the Excess from the amount payable in respect of the claim after the application of any relevant monetary limit specified in this Section.
3. If a claim is made under more than one subsection of this Section for loss or damage caused at the same time by the same event only one Excess will apply.
C.
Films, photographs, tapes, cassettes, records, discs and the like are insured up to their value as unused material or, where purchased pre-recorded, for an amount not exceeding the makers latest list price.
D.
For the purpose of any claim settlement, repair or replacement as near as is reasonably practicable will be sufficient even though the former appearance or condition of the property may not be precisely restored.
E.
We will not pay for the replacement of or work on any undamaged items or remaining parts solely because they form part of a set, suite, group or collection of articles of a similar nature, colour, pattern or design.
F.
We will not make a payment under more than one Section or subsection of this Policy in respect of loss of or damage to the same property caused by the same event.
G.
Claims will be paid in sterling on the Insured Persons return home at the rate of exchange prevailing when the claim arose.
Personal Liability
A.
We will settle a claim for damages by payment on the basis of the liability incurred, subject to any relevant monetary limit specified in this Section.We will not make a payment under more than one Section or subsection of this Policy in respect of all liabilities arising from any one cause.
B.
1. An Excess of £50 will apply to each claim wherever an Excess is indicated in this Section.
2. We will deduct the Excess from the amount payable in respect of the claim after the application of any relevant monetary limit specified in this Section.
3. If a claim is made under more than one subsection of this Section for loss or damage caused at the same time by the same event only one Excess will apply.

Conditions
1. Observance of Terms:
Anyone claiming under this Policy must comply with its terms as far as they can apply.
2. Precautions:
You must take all reasonable precautions to reduce or remove the risk of a claim arising.
3. Notification:
You must report any circumstances which may result in a claim to us as soon as reasonably possible and notify the police immediately of any damage or loss by theft, riot or malicious acts or vandalism. In the case of a claim for loss of property under the Travel Section you must notify the police, hotel, transport company and/or local representative of the tour operator, as appropriate, as soon as possible. You must send any claim by a third party or notice of any proceedings to us immediately. No expense in making good damage may be incurred without our written consent except for emergency repairs to prevent further loss or damage.
4. Conduct of Claim:
You must at your own expense provide us with such proofs, evidence, certificates and assistance as we may reasonably ask for in connection with any claim. No property may be abandoned to us.We will be entitled to the full conduct and control of the defence or settlement of any claim from a third party and no admission of liability may be made without our written consent.
5. Other Insurance:
If any other insurance covers the same damage, loss or liability we will pay only our proportionate share of any claim.
6. Cancellation:
(a) We may cancel this Policy by sending at least 7 days notice to your last known address.You will then be entitled to a proportionate return of premium.
(b) You too may cancel this Policy. Any refund of premium will be calculated from the date we receive your notice of cancellation and will normally be the full premium less premium at our short period rates for the period the Policy has been in force. No refund of premium will be made in respect of cancellation by you of the Travel or Home Rescue Plus Sections other than in the following circumstances. If you choose to cancel this Policy within 14 days of receiving the Policy or within 14 days of any subsequent renewal date, you will be entitled to a proportionate return of the premium paid provided the Period of Insurance shown in the Schedule is at least one calendar month.