Castle Cover Extended Stay

Travel insurance arranged by Acumus Insurance Solutions Limited with FirstAssist Insurance Services Limited on behalf of Great Lakes Reinsurance (UK) PLC.
Great Lakes Reinsurance (UK) PLC. Registered in England and Wales No. 2189462. Registered Office: Plantation Place, 30 Fenchurch Street, London EC3M 3AJ.

SECTION B - MEDICAL AND TREATMENT EXPENSES
What You Are Covered For:
If you become ill or are injured during the trip, the underwriter will pay up to the amount shown in the Schedule of benefits on page 1, for up to 12 months after the start date of the treatment for:
(i) Medical and treatment expenses
- reasonable and customary medical, surgical and hospital expenses incurred outside your country of residence
- emergency dental treatment for the relief of pain up to £200.
The underwriter reserves the right to repatriate, when in the opinion of the underwriters medical advisors, you are fit to travel.
(ii) Funeral and Repatriation expenses
If you die during the trip the underwriter will pay for the following:
- the funeral expenses in the country where your death occurs up to £3,000 or
- the cost of returning your body or ashes home
(iii) Travel and accommodation expenses
- reasonable additional travel and room only accommodation expenses incurred by you and one person travelling with you, as a result of you receiving medical advice from a registered doctor in attendance and the underwriters medical advisors, that your originally planned return journey home to the UK, is impossible due to medical reasons.
The most the underwriter will pay for accommodation costs is £1,000 per person.
What You Are Not Covered For:
The underwriter will not pay for the following in addition to the general exclusions on page 7 in connection with claims made under section B:
- the excess as shown in the Schedule of benefits on page 1
- any costs or expenses, if you have not advised the Assistance Service and received their agreement to these costs, in the event of you:
a) dying, or
b) incurring medical or treatment expenses above £500 or
c) being involved in an accident, or
d) being admitted to hospital, or
e) curtailing your trip due to medical reasons; or
f) missing your flight due to medical reasons
- any medical costs or expenses, if you are in Australia and you have not enrolled with Medicare
- claims arising directly or indirectly as a result of your pre-existing medical condition unless declared to and agreed by us
- any medical, hospital or treatment expenses in your country of residence or the country in which you are temporarily residing and commenced your trip from.
- any medical, hospital, treatment, funeral or repatriation expenses if you:
a) are travelling against the medical advice of a medical practitioner; or
b) are travelling for the purpose of obtaining medical treatment; or
c) are on a hospital waiting list, or awaiting the results of medical tests or investigations; or
d) are suffering from anxiety, stress or depression; or
e) have received a terminal prognosis by a registered doctor prior to taking out this policy.
- any medical, hospital, treatment expenses, which in the opinion of the underwriters medical advisors, are not essential or can be reasonably delayed until your return home to the UK
- any costs arising from you arranging a single or private accommodation room in a hospital, clinic or nursing home
- claims arising directly or indirectly from pregnancy, where you will be more than 26 weeks pregnant at the time you return from the trip
- dental treatment which is not for the purpose of relieving immediate pain or suffering
- any medical, hospital or treatment expenses, which have not been authorised at the time by a recognised registered medical practitioner
- any medical, hospital or treatment expenses, which you have incurred after you have refused the offer of repatriation when, in the opinion of the underwriters medical advisors, you are fit to travel
- any physiotherapy or associated treatment costs, if they are not part of an on-going treatment programme for a serious injury, which in the opinion of the underwriters medical advisors, cannot be reasonably delayed until your return home
- non continuous treatment
- any up-grades from economy class travel, unless the underwriters medical advisors specify this necessary on medical grounds
- any costs or expenses if you do not have a pre-paid return ticket to the UK, or the country in which you are temporarily residing, at the start of your trip
- any medication or drugs which you know you will need at the start of the trip
- the cost of any treatment or surgery, including exploratory tests, which are not directly related to the illness or injury, for which you went into hospital or clinic abroad
- loss or damage to dentures, artificial limbs, hearing aids, contact or corneal lenses or prescription spectacles

SECTION E - PERSONAL ACCIDENT
What You Are Covered For:
The underwriter will pay you or your estate a lump sum, as shown in the Schedule of benefits on page 1, if you suffer bodily injury as a result of an accident during your trip which causes:
- your death, or
- permanent loss of one or more limbs by physical separation at or above the wrist or ankle, or
- permanent loss of all sight in one or both eyes, or
- permanent total disablement.
What You Are Not Covered For:
The underwriter will not pay for the following in addition to the general exclusions on page 7 in connection with claims made under section E:
- any benefit as a result of participating in a hazardous sport & leisure activity, unless you have paid the additional premium prior to travel and cover is confirmed on your certificate
- any benefit where your death, injury or loss does not occur within 180 days of the accident
- any benefit if you cannot prove to the underwriter that the permanent total disablement has continued for 12 months from the date of the injury and in all probability will continue for the remainder of your life
- more than one lump sum under this section.
- any claim for permanent total disablement if at the date of the accident you are over the statutory age of retirement and not in full time paid employment.
- any claim arising directly or indirectly from the contracting of any disease or illness.
- any claim arising directly or indirectly from the injection or ingestion of any substance.
- any claim arising from any event, which exacerbates a previously existing bodily injury.

SECTION C - HOSPITAL BENEFIT
What You Are Covered For:
The Underwriter will pay you the amount shown in the Schedule of benefits for each and every completed period of 24 hours for which you are an in-patient in a hospital, as a direct result of an accidental injury or illness which is covered under Section B.

SECTION B - MEDICAL AND TREATMENT EXPENSES
What You Are Covered For:
If you become ill or are injured during the trip, the underwriter will pay up to the amount shown in the Schedule of benefits on page 1, for up to 12 months after the start date of the treatment for:
(i) Medical and treatment expenses
- reasonable and customary medical, surgical and hospital expenses incurred outside your country of residence
- emergency dental treatment for the relief of pain up to £200.

SECTION B - MEDICAL AND TREATMENT EXPENSES
What You Are Covered For:
If you become ill or are injured during the trip, the underwriter will pay up to the amount shown in the Schedule of benefits on page 1, for up to 12 months after the start date of the treatment for:
(ii) Funeral and Repatriation expenses
If you die during the trip the underwriter will pay for the following:
- the funeral expenses in the country where your death occurs up to £3,000 or
- the cost of returning your body or ashes home

SECTION B - MEDICAL AND TREATMENT EXPENSES
What You Are Covered For:
If you become ill or are injured during the trip, the underwriter will pay up to the amount shown in the Schedule of benefits on page 1, for up to 12 months after the start date of the treatment for:
(ii) Funeral and Repatriation expenses
If you die during the trip the underwriter will pay for the following:
- the funeral expenses in the country where your death occurs up to £3,000 or
- the cost of returning your body or ashes home

SECTION G - LEGAL EXPENSES
What You Are Covered For:
The underwriter will pay, up to the amount shown in the Schedule of benefits on page 1, for legal costs and expenses incurred in pursuing legal proceedings against third parties for compensation and damages arising from or out of your death, serious illness or personal accident during your trip.
What You Are Not Covered For:
The underwriter will not pay for the following in addition to the general exclusions on page 7 in connection with claims made under section G:
- the excess as shown in the Schedule of benefits on page 1
- any costs or expenses which have been incurred without prior approval of the underwriter
- any claim where the underwriter considers your prospect of success in achieving a reasonable benefit to be insufficient
- any claim emerging from the pursuance to a contingent fee agreement between you and your counsel
- any claim for travel and accommodation expenses which you have incurred whilst pursuing legal action
- any claim arising from you pursuing legal proceedings as part of and (or) on behalf of a group or organisation
- any claim for legal costs where you are pursuing a legal action against your agent, the underwriter, any other Primary Group Company, Global Response or Global Excel.
- any claim against any member of your family or travelling companion.
- any claim for legal costs where you are pursuing legal action relating directly or indirectly to medical negligence or alleged medical negligence

SECTION D3 - HIJACK AND MUGGING BENEFIT
What You Are Covered For:
The underwriter will pay you, up to the amount shown in the Schedule of Benefits on page 1, for either of the following;
- every 24-hour period you spend in a hospital abroad as an in-patient during your trip, as a direct result of injuries sustained whilst being mugged; and/or
- every 24-hour period you are prevented from reaching your scheduled destination as a result of Hijack of the aircraft or ship in which you are travelling.
What You Are Not Covered For:
The underwriter will not pay for the following in addition to the general exclusions on page 7 in connection with claims made under section D3:
- any claims for mugging if you are an in-patient at a hospital in the UK; or
- any claim for mugging if you are not receiving continuous treatment; or
- any claim for mugging if you are an in-patient at a hospital or clinic which has not been authorised by the assistance service; or
- any claim for hijack and you do not obtain evidence to support your claim.

SECTION D3 - HIJACK AND MUGGING BENEFIT
What You Are Covered For:
The underwriter will pay you, up to the amount shown in the Schedule of Benefits on page 1, for either of the following;
- every 24-hour period you spend in a hospital abroad as an in-patient during your trip, as a direct result of injuries sustained whilst being mugged; and/or
- every 24-hour period you are prevented from reaching your scheduled destination as a result of Hijack of the aircraft or ship in which you are travelling.
What You Are Not Covered For:
The underwriter will not pay for the following in addition to the general exclusions on page 7 in connection with claims made under section D3:
- any claims for mugging if you are an in-patient at a hospital in the UK; or
- any claim for mugging if you are not receiving continuous treatment; or
- any claim for mugging if you are an in-patient at a hospital or clinic which has not been authorised by the assistance service; or
- any claim for hijack and you do not obtain evidence to support your claim.

SECTION K - SKI EQUIPMENT
What You Are Covered For:
The underwriter will pay, up to the amount shown in the Schedule of benefits on page 1, for accidental loss, theft of or damage to ski equipment, which is owned or hired by you.
If you own the ski equipment, the underwriter will take off the following amounts for wear and tear:
AGE OF SKI EQUIPMENT DEDUCTION
Up to 1 year old   10% of purchase price
1 to 2 years old   30% of purchase price
2 to 3 years old   50% of purchase price
3 to 4 years old   70% of purchase price
4 to 5 years old   80% of purchase price
Over 5 years old   No cover
What You Are Not Covered For:
The underwriter will not pay for the following in addition to the general exclusions on page 7 in connection with claims made under section K:
- the excess as shown in the Schedule of benefits on page 1
- claims for ski equipment which is owned by you, if it is over five years old
- more than your liability for the loss or damage to any hired ski equipment
- any claim for loss or theft of ski equipment, if you have not notified the police within 24 hours of its discovery and obtained a written report, which includes the crime reference number
- any claim, if the loss or theft occurs during a journey or whilst in the custody of an airline or other carrier, and you have not notified the carrier or their handling agent of the incident and obtained an official report or a Property Irregularity Report (PIR)
- more than £200 per single item, up to a maximum of £500 in total for any one claim, if you are unable to provide the original receipt, proof of purchase or an insurance valuation which was obtained prior to the loss
- claims arising from delay, detention, seizure or confiscation by Customs or other officials
- claims for loss, theft or damage to anything being shipped as freight or under a Bill of Lading
- damage to, or loss or theft of ski equipment, if it has been left:
- unattended in a place to which the public have access; or
- left in an unattended motor vehicle; or
- in the custody of a person who does not have an official responsibility for the safekeeping of the property.

SECTION K - SKI EQUIPMENT
What You Are Covered For:
The underwriter will pay, up to the amount shown in the Schedule of benefits on page 1, for accidental loss, theft of or damage to ski equipment, which is owned or hired by you.
If you own the ski equipment, the underwriter will take off the following amounts for wear and tear:
AGE OF SKI EQUIPMENT DEDUCTION
Up to 1 year old   10% of purchase price
1 to 2 years old   30% of purchase price
2 to 3 years old   50% of purchase price
3 to 4 years old   70% of purchase price
4 to 5 years old   80% of purchase price
Over 5 years old   No cover
What You Are Not Covered For:
The underwriter will not pay for the following in addition to the general exclusions on page 7 in connection with claims made under section K:
- the excess as shown in the Schedule of benefits on page 1
- claims for ski equipment which is owned by you, if it is over five years old
- more than your liability for the loss or damage to any hired ski equipment
- any claim for loss or theft of ski equipment, if you have not notified the police within 24 hours of its discovery and obtained a written report, which includes the crime reference number
- any claim, if the loss or theft occurs during a journey or whilst in the custody of an airline or other carrier, and you have not notified the carrier or their handling agent of the incident and obtained an official report or a Property Irregularity Report (PIR)
- more than £200 per single item, up to a maximum of £500 in total for any one claim, if you are unable to provide the original receipt, proof of purchase or an insurance valuation which was obtained prior to the loss
- claims arising from delay, detention, seizure or confiscation by Customs or other officials
- claims for loss, theft or damage to anything being shipped as freight or under a Bill of Lading
- damage to, or loss or theft of ski equipment, if it has been left:
- unattended in a place to which the public have access; or
- left in an unattended motor vehicle; or
- in the custody of a person who does not have an official responsibility for the safekeeping of the property.

SECTION K - SKI EQUIPMENT
What You Are Covered For:
The underwriter will pay, up to the amount shown in the Schedule of benefits on page 1, for accidental loss, theft of or damage to ski equipment, which is owned or hired by you.
If you own the ski equipment, the underwriter will take off the following amounts for wear and tear:
AGE OF SKI EQUIPMENT DEDUCTION
Up to 1 year old   10% of purchase price
1 to 2 years old   30% of purchase price
2 to 3 years old   50% of purchase price
3 to 4 years old   70% of purchase price
4 to 5 years old   80% of purchase price
Over 5 years old   No cover
What You Are Not Covered For:
The underwriter will not pay for the following in addition to the general exclusions on page 7 in connection with claims made under section K:
- the excess as shown in the Schedule of benefits on page 1
- claims for ski equipment which is owned by you, if it is over five years old
- more than your liability for the loss or damage to any hired ski equipment
- any claim for loss or theft of ski equipment, if you have not notified the police within 24 hours of its discovery and obtained a written report, which includes the crime reference number
- any claim, if the loss or theft occurs during a journey or whilst in the custody of an airline or other carrier, and you have not notified the carrier or their handling agent of the incident and obtained an official report or a Property Irregularity Report (PIR)
- more than £200 per single item, up to a maximum of £500 in total for any one claim, if you are unable to provide the original receipt, proof of purchase or an insurance valuation which was obtained prior to the loss
- claims arising from delay, detention, seizure or confiscation by Customs or other officials
- claims for loss, theft or damage to anything being shipped as freight or under a Bill of Lading
- damage to, or loss or theft of ski equipment, if it has been left:
- unattended in a place to which the public have access; or
- left in an unattended motor vehicle; or
- in the custody of a person who does not have an official responsibility for the safekeeping of the property.

SECTION M - SKI PACK
What You Are Covered For:
If you are unable to use your ski pass, tuition or ski hire due to:
- being involved in an accident; or
- your sickness when substantiated by a doctor; or
- the loss or theft of your ski pass
the underwriter will pay you, up to the amount shown in the Schedule of benefits on page 1, for the proportionate value of any unused ski pass, ski hire or tuition fee.
What You Are Not Covered For:
The underwriter will not pay for the following in addition to the general exclusions on page 7 in connection with claims made under section M:
- any claim, if the loss or theft of your ski pass is not notified to the police within 24 hours of its discovery and you have obtained a written report, which includes the crime reference number.
- any claim, if the loss or theft occurs during a journey or whilst in the custody of an airline or other carrier, and you have not notified the carrier or their handling agent of the incident and obtained an official report or a Property Irregularity Report (PIR)
- loss or theft of your ski pass, if it was left:
- unattended in a place to which the public have access; or
- in an unattended motor vehicle; or
- in the custody of a person who does not have an official responsibility for the safekeeping of the property
- claims arising directly or indirectly as a result of your pre-existing medical condition, if you have not advised us before the start of your trip, have not agreed the additional terms and paid any additional premium
- claims arising from a medical condition which is not substantiated by a report from the treating doctor, confirming your inability to ski
- claims for loss of enjoyment, however caused.

SECTION N - PISTE CLOSURE
What You Are Covered For:
The underwriter will pay a benefit, as shown in the Schedule of benefits on page 1, if you are unable to ski for a continuous period in excess of 24 hours, due to a lack of snowfall during the months of December to March inclusive, at your prebooked wintersports resort.
What You Are Not Covered For:
The underwriter will not pay for the following in addition to the general exclusions on page 7 in connection with claims made under section N:
- any benefit, if you are not skiing in a pre-booked wintersports resort which is more than 1,000m above sea level
- any benefit, if you are unable to provide a report from either the resort management or your tour operator substantiating your claim
- any benefit, if an alternative resort is available
- any benefit, where you have been offered a reasonable alternative destination due to piste closure in your pre-booked wintersports resort
- claims for loss of enjoyment, however caused.

SECTION N - PISTE CLOSURE
What You Are Covered For:
The underwriter will pay a benefit, as shown in the Schedule of benefits on page 1, if you are unable to ski for a continuous period in excess of 24 hours, due to a lack of snowfall during the months of December to March inclusive, at your prebooked wintersports resort.
What You Are Not Covered For:
The underwriter will not pay for the following in addition to the general exclusions on page 7 in connection with claims made under section N:
- any benefit, if you are not skiing in a pre-booked wintersports resort which is more than 1,000m above sea level
- any benefit, if you are unable to provide a report from either the resort management or your tour operator substantiating your claim
- any benefit, if an alternative resort is available
- any benefit, where you have been offered a reasonable alternative destination due to piste closure in your pre-booked wintersports resort
- claims for loss of enjoyment, however caused.

SECTION N - PISTE CLOSURE
What You Are Covered For:
The underwriter will pay a benefit, as shown in the Schedule of benefits on page 1, if you are unable to ski for a continuous period in excess of 24 hours, due to a lack of snowfall during the months of December to March inclusive, at your prebooked wintersports resort.
What You Are Not Covered For:
The underwriter will not pay for the following in addition to the general exclusions on page 7 in connection with claims made under section N:
- any benefit, if you are not skiing in a pre-booked wintersports resort which is more than 1,000m above sea level
- any benefit, if you are unable to provide a report from either the resort management or your tour operator substantiating your claim
- any benefit, if an alternative resort is available
- any benefit, where you have been offered a reasonable alternative destination due to piste closure in your pre-booked wintersports resort
- claims for loss of enjoyment, however caused.

SECTION O - DELAY DUE TO AVALANCHE
What You Are Covered For:
If your outward or return journey is delayed by at least 12 hours beyond the scheduled departure time as a direct result of an avalanche in your pre-booked wintersports resort, the underwriter will pay you an amount, as shown in the Schedule of benefits on page 1, for additional travel and accommodation expenses.
What You Are Not Covered For:
The underwriter will not pay for the following in addition to the general exclusions on page 7 in connection with claims made under section O:
- the excess as shown in the Schedule of benefits on page 1
- any claim, if you are unable to provide a report from the resort management substantiating your claim
- compensation under sections D1, D2 and D4.

SECTION L - SKI HIRE
What You Are Covered For:
If your own ski equipment is:
- lost, stolen or damaged; or
- misdirected or delayed in transit by more than 12 hours
The underwriter will pay for the cost of hiring you the necessary ski equipment for each 24 hour period you are without your own ski equipment, up to the amount shown in the Schedule of benefits on page 1.
What You Are Not Covered For:
The underwriter will not pay for the following in addition to the general exclusions on page 7 in connection with claims made under section L:
- any claim for loss or theft of your own ski equipment if you have not notified the police within 24 hours of its discovery and obtained a written report, which includes the crime reference number
- any claim, if the loss or theft of your own ski equipment occurs during a journey or whilst in the custody of an airline or other carrier, and you have not notified the carrier or their handling agent of the incident and obtained an official report or a Property Irregularity Report (PIR)
- claims arising from your own ski equipment being delayed, detained, seized or confiscated by Customs or other officials
- claims for loss or theft of, or damage to your own ski equipment, whilst being shipped as freight or under a Bill of Lading
- damage to, or loss or theft of your ski equipment, if it has been left:
a) unattended in a place to which the public have access; or
b) in an unattended motor vehicle; or
c) in the custody of a person who does not have an official responsibility for the safekeeping of the property.

SECTION L - SKI HIRE
What You Are Covered For:
If your own ski equipment is:
- lost, stolen or damaged; or
- misdirected or delayed in transit by more than 12 hours
The underwriter will pay for the cost of hiring you the necessary ski equipment for each 24 hour period you are without your own ski equipment, up to the amount shown in the Schedule of benefits on page 1.
What You Are Not Covered For:
The underwriter will not pay for the following in addition to the general exclusions on page 7 in connection with claims made under section L:
- any claim for loss or theft of your own ski equipment if you have not notified the police within 24 hours of its discovery and obtained a written report, which includes the crime reference number
- any claim, if the loss or theft of your own ski equipment occurs during a journey or whilst in the custody of an airline or other carrier, and you have not notified the carrier or their handling agent of the incident and obtained an official report or a Property Irregularity Report (PIR)
- claims arising from your own ski equipment being delayed, detained, seized or confiscated by Customs or other officials
- claims for loss or theft of, or damage to your own ski equipment, whilst being shipped as freight or under a Bill of Lading
- damage to, or loss or theft of your ski equipment, if it has been left:
a) unattended in a place to which the public have access; or
b) in an unattended motor vehicle; or
c) in the custody of a person who does not have an official responsibility for the safekeeping of the property.

Wintersports (only applicable to a Single Trip Policy if appropriate premium has been paid)
Guided cross-country skiing, mono skiing, off-piste skiing or snowboarding, recreational racing, skiing, snow boarding, sledging and tobogganing on courses.

Period of Insurance - Single Trip or Long Stay
Under Section A (for cancellation), the insurance is effective from the date of issue of the certificate and terminates on commencement of your trip. In respect of all other sections, the insurance commences when you leave to commence the trip described in the territorial limits and shall cease with whichever occurs first of the following:
- The expiry of the policy period as shown on the certificate;
- Your return as planned, at the end of the trip,
- Your return prior to the planned return at the end of the trip.

SECTION B - MEDICAL AND TREATMENT EXPENSES
What You Are Covered For:
If you become ill or are injured during the trip, the underwriter will pay up to the amount shown in the Schedule of benefits on page 1, for up to 12 months after the start date of the treatment for:
(iii) Travel and accommodation expenses
- reasonable additional travel and room only accommodation expenses incurred by you and one person travelling with you, as a result of you receiving medical advice from a registered doctor in attendance and the underwriters medical advisors, that your originally planned return journey home to the UK, is impossible due to medical reasons.

SECTION A1 - CANCELLATION AND CURTAILMENT
What You Are Covered For:
The underwriter will pay, up to the amount shown in the Schedule of benefits on page 1, for your proportion of the costs which you have paid or agreed to pay and which you cannot recover from any source, if it is necessary and unavoidable to cancel or cut short your trip as a result of:
(a) death, serious injury or illness, during the period of insurance of:
- you; or
- a person you are travelling with; or
- a relative; or
- a close business associate who lives in the United Kingdom; or
- a friend or relative who lives abroad with whom you are staying.
(b) you or the person you are travelling with:
- being required in the UK for jury service, as a witness in a Court of Law; or
- being under compulsory quarantine; or
- being required to be present by the police, as a result of your home or your travelling companions home or usual place of business in the UK suffering a burglary within seven days of the start of your trip; or
- suffering unforeseen damage to your home or to your travelling companions home within seven days of the start of your trip where you or your travelling companions presence is required either by the police or the insurers at your or your travelling companions home or
- being made redundant under current Redundancy legislation; or
- being pregnant and you or the person you are travelling with, are expected to give birth within three months of the booked start date or return date of your trip; or
- suffering any medical complications arising from pregnancy or childbirth prior to the sixth month; or
- being posted overseas or receiving emergency requirements of duty in the Armed Forces, Police, Fire, Nursing or Ambulance Services.
In addition, if you have booked a self drive holiday and it is necessary to cancel your trip as a result of your vehicle being involved in an accident within seven days of your intended trip duration, we will pay for your proportion of the costs which you have paid or agreed to pay and which you cannot recover from any source.
NOTE: If you have European Motor Breakdown Insurance for this trip, your policy may cover you to hire a car for your trip in these circumstances.
What You Are Not Covered For:
The underwriter will not pay for the following in addition to the general exclusions on page 7 in connection with claims made under section A:
- the excess as shown in the Schedule of benefits on page 1;
- any claim for curtailment which has not been approved by the Assistance Services, prior to your return to the UK.
- any claim which is not supported by written medical confirmation and clinical reports from medical service providers as well as other proof of the happening of an event causing you to cancel or cut short your trip;
- any costs which you have agreed to pay, if your trip is cancelled or curtailed for the following reasons:
a) Claims arising directly or indirectly as a result of a pre-existing medical condition relating to you or anyone travelling with you, unless declared to and agreed by us.
b) The person whose medical condition giving rise to the claim:
i. is travelling against the medical advice of a medical practitioner; or
ii. is travelling for the purpose of obtaining medical treatment; or
iii. is on a hospital waiting list, or awaiting the results of medical tests or investigations; or
iv. is suffering from anxiety, stress or depression; or
v. has received a terminal prognosis by a registered doctor prior to you taking out this policy; or
vi. will be more than 26 weeks pregnant at the time you return from the trip.
c) You have failed to have any recommended vaccines, inoculations or medications prior to your trip
d) You have failed to get the relevant passport or visa
e) unlawful or criminal proceedings against you or a person you are travelling with
f) redundancy, which is not notified during the period of insurance
g) a pregnancy, which is confirmed by a registered doctor before the date you purchased this policy
h) medical complications arising from pregnancy or childbirth where prior medical complications have existed
i) Your disinclination to travel, phobias, anxiety or stress
j) Your personal financial circumstances, other than you being made redundant after the purchase date of the policy
k) Your late arrival at the airport or port after check in or booking in time
- any costs in respect of the following:
(a) any claims arising directly or indirectly from the cancellation or curtailment of travel arrangements in any way caused or contributed to by or on the order of any government, public or local authority including but not limited to any civil or federal aviation authority.
(b) loss of air passenger duty
(c) unused timeshare property, airmiles or other promotions of this nature
(d) your loss of enjoyment of the trip, however caused
(e) your failure to advise us of any material fact prior to the issue of the policy or prior to your departure on your trip
(f) unused portions of your original ticket, where repatriation has been made
(g) your travel expenses for you to return to the UK, if you do not already possess pre-paid return travel tickets
(h) any cancellation or curtailment costs which the underwriter would not have had to pay, had you notified the travel agent, tour operator or provider of transport or accommodation immediately after you knew you would be cancelling or curtailing your trip
(i) any claim resulting from you or a person you are travelling being posted overseas or receiving an emergency requirement of duty, following an act of terrorism, war or invasion.

SECTION D4 - MISSED DEPARTURE
What You Are Covered For:
The underwriter will pay you, up to the amount shown in the Schedule of benefits on page 1, for reasonable additional accommodation and travel expenses, if you arrive at your last departure point from the UK or the last departure point for your return trip to the UK, too late to board your booked flight, train or sailing, as a result of the following:
- scheduled public transport services failing to get you to your destination in time due to strike, industrial action, adverse weather conditions or mechanical breakdown, or
- the private motor vehicle in which you were travelling suffering from a mechanical breakdown or failure, or
- the private motor vehicle in which you were travelling being directly involved in a road traffic accident, which resulted in mechanical breakdown or failure.
What You Are Not Covered For:
The underwriter will not pay for the following in addition to the general exclusions on page 7 in connection with claims made under section D4:
- the excess as shown in the Schedule of benefits on page 1
- any upgrade in accommodation
- any claim arising as a result of you not having taken reasonable steps to complete the journey to the departure point on time
- any claim relating to internal flights
- any claim, if the adverse weather, strike or industrial action was in existence or publicly declared before you started your journey to the departure point
- any claim in respect of mechanical breakdown or failure, if your private motor vehicle, has not been properly serviced and maintained
- any repair costs to your private motor vehicle
- any claims for vehicle breakdown or failure, which are not substantiated by a written report from a rescue service or garage

SECTION D1 & D2 - TRAVEL DELAY AND HOLIDAY ABANDONMENT
What You Are Covered For:
D1 Travel Delay
The underwriter will pay you the amount shown in the Schedule of benefits on page 1, if your planned:
- International outward flight, rail or sea trip on your scheduled departure, or
- International inbound flight, rail or sea trip on your scheduled return is delayed for 12 hours or more.
D2 Holiday abandonment
The underwriter will pay, up to the amount shown in the Schedule of benefits on page 1, for travel and accommodation expenses which you have paid or have contracted to pay, which you cannot recover from any source, if you elect to cancel your trip following a delay of 24 hours or more from the scheduled departure time.
What You Are Not Covered For:
The underwriter will not pay the following in addition to the general exclusions on page 7 in connection with claims made under section D1 & D2:
- the excess as shown in the Schedule of benefits on page 1
- any compensation if you have not got written confirmation from the airline, railway or shipping company or their handling agents, which shows the reason for the delay or cancellation of your holiday, the scheduled departure time and the actual departure time of your flight, rail journey or sailing, if applicable.
- any delay which is due to strike or industrial action which had started or was announced before you took out this policy.
- compensation under both the travel delay and holiday abandonment sections of this policy.
- any claims arising directly or indirectly from the delay of travel arrangements in any way caused or contributed to by or on the order of any government, public or local authority including but not limited to any civil or federal aviation authority.
- your failure to check-in according to the itinerary supplied to you.

SECTION D1 & D2 - TRAVEL DELAY AND HOLIDAY ABANDONMENT
What You Are Covered For:
D1 Travel Delay
The underwriter will pay you the amount shown in the Schedule of benefits on page 1, if your planned:
- International outward flight, rail or sea trip on your scheduled departure, or
- International inbound flight, rail or sea trip on your scheduled return is delayed for 12 hours or more.
D2 Holiday abandonment
The underwriter will pay, up to the amount shown in the Schedule of benefits on page 1, for travel and accommodation expenses which you have paid or have contracted to pay, which you cannot recover from any source, if you elect to cancel your trip following a delay of 24 hours or more from the scheduled departure time.
What You Are Not Covered For:
The underwriter will not pay the following in addition to the general exclusions on page 7 in connection with claims made under section D1 & D2:
- the excess as shown in the Schedule of benefits on page 1
- any compensation if you have not got written confirmation from the airline, railway or shipping company or their handling agents, which shows the reason for the delay or cancellation of your holiday, the scheduled departure time and the actual departure time of your flight, rail journey or sailing, if applicable.
- any delay which is due to strike or industrial action which had started or was announced before you took out this policy.
- compensation under both the travel delay and holiday abandonment sections of this policy.
- any claims arising directly or indirectly from the delay of travel arrangements in any way caused or contributed to by or on the order of any government, public or local authority including but not limited to any civil or federal aviation authority.
- your failure to check-in according to the itinerary supplied to you.

SECTION F - PERSONAL LIABILITY
What You Are Covered For:
The underwriter will pay for your legal liability inclusive of all associated legal fees and costs, in total up to the amount shown in the Schedule of Benefits on page 1, for any event which relates to an incident caused by you during the trip which results in:
- injury, illness or disease to another person
- loss or damage to property which does not belong to you or any member of your family and is not in your or a member of your familys custody or control.
What You Are Not Covered For:
The underwriter will not pay for the following in addition to the general exclusions on page 7 in connection with claims made under section F:
- the excess as shown in the Schedule of benefits on page 1
- the first £200 of each and every claim in respect of loss or damage to temporary holiday accommodation
- bodily injury or disease to any person who, at the time of sustaining such injury or disease, is engaged in your service or to any member of your family or anyone you are travelling with
- damage to property belonging to, or in the care, custody or control of you or a member of your family or a person in your service
- any liability arising out of or incidental to any profession, occupation or business
- any liability which has been assumed under contract and would not otherwise have attached
- any liability, injury, loss or damage arising directly or indirectly from or due to ownership, possession or use of any motorised or mechanical vehicles including any attached trailers or caravans, any aircraft(whatsoever), any watercraft or vessel(other than manually propelled watercraft or vessel) or any other form or motorised leisure equipment
- any liability arising out of ownership, occupation, possession, or use of any land or building (other than occupation only of any temporary residence)
- any liability, injury, loss or damage arising directly or indirectly from or due to ownership, possession or use of any firearms or weapons of any kind
- any liability arising in respect of any wilful or criminal act or assault
- any liability arising in any country in which you own premises, or are resident
- any liability, injury, loss or damage arising directly or indirectly from or due to any animals belonging to you or in your care, custody or control

SECTION A2 - CATASTROPHE
What You Are Covered For:
If you are forced to move from your pre-booked and pre-paid accommodation as a result of:
- fire, explosion
- lightning
- earthquake
- storm, tempest, hurricane, flood
occuring during your trip, the underwriter will pay any travel and accommodation expenses you incur, to enable you to
- continue your trip; or
- if you are unable to continue with your trip, return you to the UK, up to the amount shown in the Schedule of benefits on page 1.
What You Are Not Covered For:
The underwriter will not pay for the following in addition to the general exclusions on page 7 in connection with claims made under section A2:
- the excess as shown in the Schedule of benefits on page 1
- any costs which cannot be substantiated by a written report from the local or national authority who ordered your relocation which confirms the exact cause for the relocation
- any costs or expenses payable by or recoverable from your tour operator, airline, hotel or other provider of accommodation or transport
- any costs or expenses if you decide not to remain in your booked accommodation, although it is considered safe and acceptable to continue living there.

Acceptable Sports & Leisure Activities
The following amateur activities are automatically included within the cover (where there are limits in brackets, these are per policy, per insured):
Archery (excludes Personal Accident), Athletics, Au-pair/Nanny (excludes Personal Liability whilst working), Badminton, Baseball, Basketball, Beauty Therapist (associated equipment not covered), BMX Cycling (excludes racing and competition), Bowls, Camel Riding / Elephant Riding (excludes Personal Accident), Canoeing: Inland/Coastal (excludes Personal Accident, 10 mile limit on coastal waters), Cricket, Cross Country Running, Curling, Cycling (excludes Personal Accident, racing and competition), Fell Running, Field Hockey (excludes Personal Accident), Fishing: Deep Sea (excludes Personal Accident and commercial fishing), Fishing: Freshwater (excludes Personal Accident and commercial fishing), Football (excludes Personal Accident), Fruit Picking (excludes the use of machinery), Golf, Heptathlon, Horse Riding/Pony Trekking (excludes Personal Accident, racing and competition), Ice Skating (excludes speed trials and racing), Kayak: Inland/Coastal (excludes Personal Accident, 10 mile limit on coastal waters), Musician (excludes cover for Instruments), Netball, Orienteering, Rambling, Roller Hockey (excludes Personal Accident, racing and competition), Rollerblading (excludes racing and competition), Rounders, Safaris: Organised Tours (excludes hunting and walking safaris), Sailing: Inland/Coastal (excludes Personal Accident, 10 mile limit on coastal waters), Scuba Diving up to 9 metres (excludes Personal Accident, must hold PADI or equivalent qualification or be under instruction), Singer/Dancer (excludes Personal Accident and costumes), Skateboarding (excludes racing and competition), Snorkelling, Squash, Street Hockey (excludes Personal Accident), Tennis, Trekking or Hiking up to 2,000 metres (organised tours only, excludes solo treks and mountaineering requiring the use of ropes) and Volleyball
The following activities are not included in the definition:
Any professional sports or activities, horse jumping, hunting on horseback, organised racing and/or competitions, scuba diving within 24 hours prior to departure, work abroad, use of machinery (other than where used when participating in Acceptable Sports & Leisure Activities).

GENERAL EXCLUSIONS WHICH APPLY TO ALL SECTIONS OF THE INSURANCE
The underwriter is not responsible for any claims arising:
1. which are claims in any way caused or contributed to by:
i the failure of; or
ii the fear of the failure of; or
iii the inability of any equipment or any computer programme to recognise, interpret correctly or process any date as its true calendar date or to continue to function correctly beyond that date (except claims under sections, B, C and E).
2. which are directly or indirectly caused by, occasioned by, resulting from or in connection with any of the following regardless of any other cause or event contributing concurrently or in any other sequence to the claim:
- act of terrorism; or
- nuclear detonation, reaction, nuclear radiation or contamination, howsoever such nuclear detonation, reaction, nuclear radiation or radioactive contamination may have been caused; or
- war, invasion or warlike operations (whether war be declared or not), hostile acts of sovereign or government entities, civil war, rebellion, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power or martial law or confiscation by order of any government or public authority; or
- seizure or illegal occupation; or
- confiscation, requisition, detention, legal or illegal occupation, embargo, quarantine, or any result of any order of public or government authority which deprives you of the use or value of your property, nor for loss or damage arising from acts of contraband or illegal transportation or illegal trade; or
- discharge of pollutants or contaminants, which pollutants and contaminants shall include but not limited to any solid, liquid, gaseous or thermal irritant, contaminant or toxic or hazardous substance or any substance the presence, existence or release of which endangers or threatens to endanger the health, safety or welfare of persons or the environment; or
- chemical or biological release or exposure of any kind; or
- attacks by electronic means including computer hacking or the introduction of any form of computer virus; or
- threat or hoax, in the absence of physical damage due to an act of terrorism; or
- any action taken in controlling, preventing, suppressing or in any way relating to any act of terrorism
3. from you travelling against Foreign Office advice or where it is deemed unsafe for you to travel
4. from loss or destruction of, or damage to any property whatsoever, or any loss or expense whatsoever resulting in or arising there from, or any consequential loss or any legal liability of whatsoever nature, directly or indirectly caused by or contributed to, or arising from:
- ionising radiation or contamination by radioactivity from any nuclear fuel, or from any nuclear waste from burning of nuclear fuel, or
- the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof
5. from you engaging in any illegal or criminal act
6. from any consequential loss whatsoever (claims shall only be paid for those losses which are specifically stated under the terms of this policy, except as provided in Section H, relating to loss of travel documents)
7. directly or indirectly out of your financial incapacity
8. which, but for the existence of this policy, would be covered under any other
- insurance policy (policies), including any amounts recovered by you from private health insurance; or
- EHIC payments; or
- any reciprocal health agreements; or
- airlines; or
- hotels; or
- home contents insurers; or
- any other recovery by you, which is the basis of a claim
9. from the tour operator, airline or any other company, firm or person either becoming insolvent or being unable to or unwilling to fulfil any part of their obligation except as provided in section P
10. from your death, injury or illness as a result of participating in:
- a hazardous sport & leisure activity whilst on your trip, unless you have paid the additional premium prior to travel and cover is confirmed on your certificate
- wintersports, if you have not paid the additional premium before your trip departure and it is not shown on your certificate
- any of the above, if you are receiving any personal financial reward or gain during the period of insurance, unless the underwriter has agreed to this and you have paid the appropriate additional premium
11. from:
- wilful, self inflicted injury or illness; or
- committing or attempting to commit suicide; or
- wilful exposure to danger, except in an attempt to save a human life; or
- solvent abuse; or
- being under the influence of alcohol or drugs, except those prescribed by a registered Doctor and not those drugs prescribed for drug addiction; or
- a failure to obtain any recommended vaccines, inoculations or medications prior to your trip departure; or
- sexually transmitted diseases; or
- Acquired Immune Deficiency syndrome (AIDS); or
- HIV or diseases connected to AIDS
12. from anxiety, stress or depression; except where previously undiagnosed at the time you took out this policy
13. from you entering into, exiting from an aircraft or descending from an aircraft; which is not a fully licensed passenger carrying aircraft; in which you are travelling as a passenger or a member of the crew for the purpose of undertaking any trade or technical operation therein or thereon
14. from your wilful exposure to peril. You must exercise reasonable care to prevent illness, injury or loss or damage to your property as if uninsured
15. directly or indirectly from you being engaged in any employment during your trip unless agreed by us and any additional premium paid
16. which have not been proven and the amount of the claim substantiated
17. claims for loss of enjoyment, however caused.

General Exclusions Which Apply To All Sections Of The Insurance
The underwriter is not responsible for any claims arising:
2. which are directly or indirectly caused by, occasioned by, resulting from or in connection with any of the following regardless of any other cause or event contributing concurrently or in any other sequence to the claim:
- act of terrorism; or
- threat or hoax, in the absence of physical damage due to an act of terrorism; or
- any action taken in controlling, preventing, suppressing or in any way relating to any act of terrorism

General Exclusions Which Apply To All Sections Of The Insurance
The underwriter is not responsible for any claims arising:
2. which are directly or indirectly caused by, occasioned by, resulting from or in connection with any of the following regardless of any other cause or event contributing concurrently or in any other sequence to the claim:
- act of terrorism; or
- threat or hoax, in the absence of physical damage due to an act of terrorism; or
- any action taken in controlling, preventing, suppressing or in any way relating to any act of terrorism

The underwriter is not responsible for any claims arising:
1. which are claims in any way caused or contributed to by:
i the failure of; or
ii the fear of the failure of; or
iii the inability of any equipment or any computer programme to recognise, interpret correctly or process any date as its true calendar date or to continue to function correctly beyond that date (except claims under sections, B, C and E).

GENERAL CONDITIONS WHICH APPLY TO YOUR WHOLE POLICY
1. It is a condition that all Material Facts have been disclosed to Us. Failure to do so may affect Your rights under this insurance. Following a change in Material Fact disclosed to Us by You during the Period of Insurance, We reserve the right to amend or cancel Your insurance, providing You with a pro-rata refund of premium. If You are in any doubt as to whether a fact is 'material', then for Your own protection it should be disclosed to Us.
2. You must tell us as soon as possible about any change in risk which affects your policy, including you, a person you are travelling with, a close business associate or relative receiving confirmation of a medical condition or currently being under medical investigation, a change in the sporting or leisure activities you intend to participate in during your trip or any additional person(s) to be insured under the policy.
We have the right to reassess your policy and premium after you have advised us of any relevant information. If you do not advise us of all the relevant information, we may quote the wrong terms, reject or reduce your claim, or your policy may become invalid.
3. You must be in the UK at the time of taking out this policy and intend to return to the UK within the trip duration
4. We will not consider any claim where you:
- have disclosed a material fact or pre-existing medical condition to us and have not paid the additional premium that was required by us before your trip departure date.
- are travelling against medical advice.
5. If your cover does not meet your requirements, please notify us within 14 days of receiving your policy and return all your documents for a refund of your premium. If during this 14-day period you have travelled, made a claim or intend to make a claim, we are entitled to recover all costs that you have used for those services.
6. Whilst participating in any hazardous sport & leisure activity, you must take reasonable care at all times to ensure your own safety and the safety of those around you. Such reasonable care involves following the directions of any instructor and (or) expedition leader and following the normal and reasonable safety procedures suggested or recommended by the recognised controlling body of the sport or activity concerned, or the safety procedures commonly exercised in pursuing the sport or activity in question at all times.
7. You or your legal representatives must provide the underwriter with all policies, information and evidence they require and in the format they require.
8. Medical evidence required in support of a claim should be furnished at your expense.
9. In the event of your death, the underwriter shall be entitled to have a post-mortem - examination at their own expense.
10. Any items which become the subject of a claim for damage, must be retained, until your claim is settled, for the underwriters inspection and shall be forwarded to their Agents upon request at your or your legal personal representatives expense. All such items shall become the property of the underwriter following final settlement of the claim.
11. In the event of any occurrence which may give rise to a claim under this policy, you must take all reasonable steps to minimise any loss arising out of such a claim.
12. You must notify any claim to the underwriter within 31 days of your return home.
13. This insurance is non-transferable. No premium will be refunded, either in full or on a pro-rata basis, after the expiry of the cooling off period.
14. This policy shall be governed by and construed in accordance with the Law of England and Wales unless the policyholders habitual residence (in the case of an individual) or central administration and/or place of establishment is located in Scotland in which case the Law of Scotland shall apply.
15. The underwriter may, at its own expense, take proceedings in your name to recover compensation or secure an indemnity from any third party in respect of any loss or damage covered by this insurance and any amount so recovered shall belong to the underwriter. Where a full recovery is made, we agree to return your excess.
16. If any false or fraudulent claim is made or if any false or fraudulent means or devices are used to obtain any benefit under this policy, all benefits thereunder and premiums paid shall be forfeited.
17. If at the time of loss, damage or liability covered under this policy, you have any other insurance or guarantee which covers the same loss, damage or liability, the underwriter will only pay a rateable share of the claim (excluding Section E - Personal Accident).

RECIPROCAL HEALTH AGREEMENTS: EHIC/MEDICARE
Travellers to European Union countries should obtain an EHIC (European Health Insurance Card). This will entitle them to benefit from the reciprocal health agreements, which exist between certain European Countries. In the event of a claim being accepted for medical expenses which has been reduced by the use of a Form EHIC, or Private Health Insurance, the deduction of the excess under Section B will not apply. When you are travelling to Australia and you have to go to hospital, you must register for treatment under the national Medicare scheme.