Churchill Travel Insurance

The most we will pay for each person is as follows
Medical expenses - £10 million
Emergency dental expenses - £500
Funeral expenses - £2,500
Hospital benefit - £1,000
Please note the following
- Medical, dental or hospital expenses in the UK are not covered by this insurance.
- All inpatient treatment, outpatient claims over £500, and extra accommodation or travelling expenses (such as returning home early)must be authorised beforehand by Inter Group Assistance Services.
- If the outpatient treatment costs are less than £500, please pay these expenses and send us a claim once you are back in the UK.
What s covered
Medical expenses
- If you are ill or injured or you die on a trip, we will pay all necessary and reasonable expenses for:
- medical and hospital treatment (including ambulance and rescue services to take you to hospital); and
- emergency dental treatment to treat sudden pain only.
Extra travel and accommodation
- Extra travelling expenses to return to your home in the UK.
- Extra accommodation expenses if your illness or injury forces you to stay longer than you had originally booked.
- A qualified medical person to escort you home, if this is medically advised.
section 1 medical and other expenses
- The travel and accommodation expenses for one person to stay with you and travel home with you, if this is medically advised.
Funeral expenses - Either:
- the preparation and transport expenses of returning your body or ashes to your home in the UK; or
- the cost of burying or cremating your body in the country where you died.
Hospital benefit
- If you are ill or injured while on a trip abroad and you are treated as an inpatient in hospital, we will pay you £25 for every 24 hours you are in hospital, up to a maximum of £1000.
This benefit is meant to cover or contribute towards any minor expenses (such as phone calls, food and taxi fares) that are not normally covered under the policy. Please note: mobile phones are convenient but expensive and, when you are abroad, you often have to pay for calls you receive as well as calls you make.
What's not covered
- The first £50 of any event.You will not have to pay an excess where using an E111 has reduced the claim (and we have recovered over 75% of our total expenses), or for hospital benefit and claims for burial abroad.
- Any medical, dental or hospital expenses that arise in the UK (or Channel Islands if you live there permanently).
- Any inpatient, extra accommodation or travelling expenses not authorised by Inter Group Assistance Services.
- Any claim if you have travelled against medical advice or to get medical treatment or advice abroad.
- Any expenses that arise 12 months after the original injury or illness occurred.
- Any expenses that have been or can be recovered under any health agreement (see Important information on page 14)).
- Any expenses for treatment or surgery or tests that are not directly related to the illness or injury for which you originally went into hospital.
- Any expenses for cosmetic surgery or surgery that you have chosen to have but do not need urgently (known as elective surgery).
- Any expenses for treatment or services provided by a health spa, convalescent or nursing home or any rehabilitation centre.
- Any expenses as a result of a tropical disease if you have not had the recommended immunisation or taken the recommended medication.
- Food, drinks, taxi fares (or other transport costs), faxes or other telecommunications expenses unless we agree otherwise.
- Costs of any phone calls, other than calls to Inter Group Assistance Services telling them about the problem and for which you can provide a receipt or other evidence to show the cost of the call and the number dialled.
- Any expenses for getting or replacing medication that you knew you would need while you were away.
- Any expenses that arise after we have instructed you to return home if our medical advisers and the doctors treating you decide you are fit to travel.
- Any expenses that are not usual, reasonable or customary to treat your illness or injury.
- Any expenses for:
i) non-essential or ongoing treatment that could be reasonably delayed until your return to the UK; or
ii) a single or private hospital room unless it is medically necessary or authorised either by us or by Inter Group Assistance Services.
- Non-emergency dental work or providing dentures, artificial teeth and any dental work using precious metals or precious stones.
- Any claim caused directly or indirectly by pregnancy or childbirth if your trip will end within 18 weeks of your expected delivery date or seven days after you have given birth.
- Any claim caused by drinking too much alcohol or alcohol abuse.
- We do not expect you to avoid drinking alcohol on your trips or holidays, but we will not cover any medical claims arising because you have drunk so much alcohol that your judgement is seriously affected.
- Any medical claim for costs over £500 if you did not contact Inter Group Assistance Services.
- Any medical claim directly or indirectly related to a medical condition you already had and that we had not accepted in writing.
- See also the General exclusions and General conditions sections.
medical and other expenses (continued)
For an inpatient medical claim, you will need to call the following numbers.
From the UK Inter Group Assistance Services - Phone: 01252 740 050
From anywhere in the world Inter Group Assistance Services - Phone: +44 (0)1252 740 050
Lines are open 24 hours a day,365 days a year.
Please quote reference IGCS 1482.
Important information please read carefully
- Please make sure that you contact Inter Group Assistance Services before visiting any clinic or hospital as they will be able to tell you which is the most appropriate medical facility to treat you.
- Send us your original booking invoices and travel documents showing the dates and times of travel.
- Send us medical evidence from the doctor treating you to confirm the illness or injury and the treatment you were given,including your hospital admission and discharge records if this applies.
- Send us all the original receipts and account for all your expenses.
- Pay the hospital, clinic or doctor treating you for any routine or simple outpatient treatment (as long as it is less than £500) and claim back relevant expenses when you return to the UK.
If the expenses are too much for you to pay or you think you are being over-treated by the doctor, please contact Inter Group Assistance Services for on-the-spot help and advice. If you do not contact Inter Group Assistance Services, we may not be able to pay your medical costs.

section 6 personal accident
The most we will pay for any one accident is £30,000 for each event for each person.
Age of insured person
16 to 64
£30,000 for death
£30,000 for permanent and total disability or loss of a limb or an eye
15 and under
£2,500 for death
£2,500 for permanent and total disability or loss of a limb or an eye
65 and over
£2,500 for death
£2,500 for loss of a limb or an eye, No payment will be made for permanent and total disability
What's covered
If you suffer accidental bodily injury and, as a direct result, you are disabled or die within 12 months, you will receive one of the following payments.
- The amount shown in the table if the injury causes your death.
- The amount shown in the table if the injury results in:
i) your hand or foot being permanently cut off at or above the wrist or ankle;
ii) the total and permanent loss of use of all of your hand, arm, foot or leg; or
iii) the total and permanent loss of sight in both of your eyes.
- The amount shown in the table if the injury causes permanent and total disability that prevents you from working in all occupations.
What's not covered
- Payment for more than one event described in 1, 2 and 3 of What s covered. If we pay a claim, we will have no further liability under this section for any other accidents to that particular person.
- Sickness, disease or gradually occurring conditions.
- Claims arising from a trip within the United Kingdom.
- See also the General exclusions and General conditions sections.

Hospital benefit
If you are ill or injured while on a trip abroad and you are treated as an inpatient in hospital, we will pay you £25 for every 24 hours you are in hospital, up to a maximum of £1000. This benefit is meant to cover or contribute towards any minor expenses (such as phone calls, food and taxi fares) that are not normally covered under the policy. Please note: mobile phones are convenient but expensive and, when you are abroad, you often have to pay for calls you receive as well as calls you make.

section 8 legal expenses
The most we will pay for each policy is as follows
Legal expenses - £50,000
What s covered
Legal costs or expenses owed by you or your legal representatives, to help you take legal action to claim damages or compensation:
- for your injury, illness or death, which happens on your trip;
- following a dispute as a result of an agreement you have for your journey; or
- if you are arrested or held by authorities during your journey, we will pay up to £250 for your first consultation with a local solicitor, arranged by you;
as long as:
- the date of incident is within the period of insurance and within the geographical limits;
- any legal proceedings will be carried out within the geographical limits by a court or other organisation that we agree to; and
- your claim is likely to be successful.
What's not covered
- The first £50 for each event.
- Defending your legal rights in claims against you.
- Any claim resulting from any illness or injury which develops gradually or is not caused by a specific or sudden accident.
- Actions between insured people (in other words, people insured on the same policy trying to make a claim against each other).
- Legal costs and expenses that arose before we agreed to support your claim.
- Claims reported after 180 days from the date of the event causing your injury or death.
- Any costs:
if you stop or settle a claim or withdraw instructions from solicitors for any reason and without our agreement or if you do not give suitable instructions to the solicitor; or if you make a false claim or knowingly give us any information that is incorrect or incomplete in relation to the claim.
If either of these events occurs, you will have to refund any costs and expenses we have paid or agreed to pay during your claim.
You must do the following
- Give us full details of your claim and any other information that we or the solicitor ask you for.
- Co-operate fully with the solicitor and us, and do not do anything that might harm your claim. If we ask, you must tell the solicitor to give us any documents or information that they have or know about.
- Tell us about any developments affecting your claim.
- Tell us if the solicitor refuses to continue to act for you or if you withdraw your instructions.
- Tell us if anyone makes a payment into court or offers to settle your claim.
- Try to get back costs that we have to pay, and pay them to us.
- Get our agreement in writing before you try to negotiate or settle a claim.
legal expenses (continued)
Appointing a solicitor
- We have chosen a panel of legal firms to provide legal services.
These firms may make payments to us for being members of the panel. Although you are responsible for any legal costs they charge, your policy will cover them as long as the policy conditions apply.
- We or you will appoint a solicitor to act for you in line with our standard terms of appointment (a copy of which is available if you ask us).
- Before the solicitor starts work on your case, we must agree to their charges.
- You must not agree any charges with the solicitor without getting our permission first.
- If a solicitor refuses to continue acting for you, or if you dismiss them, your cover will end immediately unless we agree to appoint another solicitor.
- You will need our opinion in writing before you instruct a barrister or an expert witness.
- Tell us immediately if it is no longer likely that you will be successful with your claim.
- If you do not keep to these conditions, we may cancel this section, refuse any claim and withdraw from any current claim.
- See also the General exclusions and General conditions sections..
We can do the following
- Contact the solicitor at any time, and they must co-operate fully with us at all times.
- Decide to settle your claim by paying the amount in dispute.
If your claim is not for damages,we may decide to settle your claim by paying you the equivalent value, in money, of your claim.
- Refuse to pay any more costs if you do not accept a reasonable offer to settle your claim.
- Refuse to pay any more costs if it is no longer likely that you will be successful with your claim.
You have the right to refer any disagreement between you and us to arbitration. The arbitrator will be a solicitor, barrister or other suitably qualified person that you and we agree on. If we cannot agree, the arbitrator will be chosen by the president of the Law Society (or another similar organisation) for that part of the geographical limits whose law governs this section of the policy. The arbitrators decision is final. Whoever loses the arbitration will pay for all the costs and expenses of the arbitration.
You can also refer any disagreement between you and us to the Financial Ombudsman Service, which is a free service. (See page 48 for details of our complaints procedure.)

New-for-old cover
Please note the following
- We will pay the replacement cost of the item or we will repair or replace the item as new (new-for-old), except clothing and towels where we will make a deduction for wear and tear.
- We will deduct any payments for delayed luggage from an eventual claim for loss, damage or theft, if the property proves to be permanently lost.

section 4 personal possessions, luggage, money and passport
This section of the policy is automatically included unless you have chosen to exclude it. If you exclude this section of cover, only loss of passport or tickets (or both) and delayed luggage will apply and you will not be able to claim for any personal possessions, delayed baggage or money under this policy. Your policy schedule will confirm if you have this cover.
The most we will pay for each person is as follows
Personal possessions and luggage - £2,000
Money - £500
Loss of passport or tickets - £500
Delayed luggage emergency replacement items - £200
Important extra limits are shown below
£300 is the most we will pay for high-risk items in total for each person.
£300 is the most we will pay for any single item. A camera with attachments or a matching set of earrings and necklace, for example, are considered as a single item.
£500 (£100 if you are under 16) is the most we will pay for each person for cash that is lost, stolen or damaged. This limit also applies where one person is carrying cash belonging to another person or family member.
£100 is the most we will pay for each person for cash which is stolen from a locked boot, luggage area or compartment of an unattended motor vehicle.
New-for-old cover
Please note the following
- We will pay the replacement cost of the item or we will repair or replace the item as new (new-for-old), except clothing and towels where we will make a deduction for wear and tear.
- We will deduct any payments for delayed luggage from an eventual claim for loss, damage or theft, if the property proves to be permanently lost.
What's covered
- Loss or theft of or damage to your personal possessions,luggage or money.
- The extra expenses you may have to pay to replace your passport or travel documents if they have been lost, stolen or damaged outside the UK.
- Replacing essential toiletries, medication and clothing if your luggage is delayed for more than 12 hours after your arrival at your final outward destination.
What's not covered
- The first £50 for each event.
- Unless you report the matter to the nearest police authority within 24 hours of discovering it and you get a police report in writing, claims for:
i) Loss of personal possessions worth over £100 or money to the value of £100 or more;
ii) any theft of personal possessions or money; and
iii) deliberate damage to your personal possessions.
- Loss of, theft of, or damage to the following:
i) Personal possessions while in the custody of an airline, train company, shipping line, bus or coach company, hotel or their agents unless you get a written report from them (known as a property irregularity report).
ii) High-risk items or money you have not carried in your hand luggage (you should carry money and high-risk items and keep them with you at all times) while you are travelling.
iii) Personal possessions,passports or money left in an unattended motor vehicle at any time unless the vehicle is securely closed and locked,the items are out of sight in a locked boot,luggage area or compartment, and there is evidence of forced entry.
iv) Personal possessions or money in your accommodation unless the accommodation has been securely locked or the items locked in a safe or safety-deposit box, where reasonably possible.
v) Personal possessions or money left unattended in a place to which the public has or can get access.
vi) Traveller s cheques or credit or debit cards if the company issuing the card provides a replacement service or if you have not followed the card issuers instructions.
vii) Bonds, coupons, securities, stamps or documents except passports, tickets or money.
viii) Samples, goods or property used for your business or trade, pets and livestock, aircraft or accessories, caravans, trailers, vehicles or accessories, household goods and domestic appliances, antiques, fine art, ski equipment (unless your policy schedule shows that you have winter sports cover), sports equipment when in use, boats or associated equipment or perishable goods (including bottles and their contents).
ix) Films, tapes, cassettes, cartridges or discs other than for their face value unless you bought them pre-recorded.
x) Property shipped as freight or under a bill of lading (proof that a particular cargo has been loaded onboard ship).
- Any loss causing a shortage due to a mistake while exchanging currency or because the exchange rate has fallen and so your currency has lost value.
- Any loss or damage caused by cleaning,repairing or restoring it, or by atmospheric or climatic conditions, moths or vermin, or by electrical or mechanical breakdown.
- Any loss due to delay, detention, confiscation, requisition (seizure) or damage by customs or other officials or authorities.
- Loss, theft of, or damage to unset precious stones, contact or corneal lenses, hearing aids, dental or medical fittings (including dentures and false limbs or other artificial body parts), antiques, musical instruments, deeds, manuscripts, securities, perishable goods, bicycles and damage to suitcases (unless the suitcases
cannot be used because of a single act of damage).
- Loss or damage due to cracking, scratching, breakage of or damage to china, glass (other than glass in watch faces, cameras, binoculars or telescopes), porcelain or other breakable or fragile articles unless caused by fire, theft, or accident to the container, aircraft or vehicle in which they are being carried.
- See also the General exclusions and General conditions sections.

The most we will pay for each person is as follows
Cancellation- £5,000
What s covered
We will pay you for all unused travel and accommodation costs (including excursion, car hire and other charges) that you have paid or are under contract to pay, if it is necessary and unavoidable for you to cancel your trip before you leave your home or place of business, whichever is later, for one of the following reasons.
- You become ill or are injured and a qualified doctor certifies that it is medically necessary for you to cancel your trip.
- You die.
- A close relative or close business associate of yours living in the UK is ill, injured or dies.
- Anyone you had planned to stay with or travel with is ill, injured or dies.
- You or anyone you had planned to stay with or travel with are:
in quarantine (for example, due to an outbreak of foot-and-mouth disease);
called for jury service; or
called as a witness in a court of law.
- You or anyone you are travelling with are made redundant against your or their wishes (which qualifies for payment under current UK redundancy payment legislation) and you or they had no reason to believe this would happen when buying the policy or booking the trip.
section 2 cancellation
- You or anyone you are travelling with are not able to travel or are instructed to stay at home by the police (or other recognised emergency services) due to serious damage to your home or place of business in the UK caused by fire, aircraft, explosion, storm, flood, subsidence, vandalism or theft.
- You or anyone you are travelling with are a member of the British Armed Forces, police, fire, nursing or ambulance services and authorised leave is cancelled due to an unexpected emergency.
- Your passport or visa is stolen seven days before your booked departure date and there is not enough time for you to get an emergency replacement.
- We will also pay cancellation costs as above, if, after booking your journey, you discover that you are pregnant and the date of your return home will be within the 18 weeks before you are due to give birth or within the seven days after you have given birth.
What's not covered
- The first £50 (£10 for loss-of-deposit claims only) for each event.
- Any expenses that you can recover from elsewhere.
- Air passenger duty (airline taxes) as you can recover this direct from your tour operator or airline.
- Any claim resulting from your passport being stolen, unless you report the matter to the nearest police authority within 24 hours of discovering the theft, and you get a police report in writing.
- Any expenses resulting from you changing your mind about travelling or continuing with your trip.
- Any expenses resulting from any loss of enjoyment of your trip (such as not liking your resort or hotel).
- Any extra expenses resulting from you not cancelling the trip as soon as reasonably possible.
- Any claim arising from circumstances or an event that you could reasonably foresee or knew about when you bought this insurance or booked the trip, and that you knew could lead to your trip being cancelled (for example, a serious medical condition of a close relative, business associate or travelling companion).
- Any claim caused directly or indirectly by pregnancy or childbirth if the end of your trip is within 18 weeks of your expected delivery date, or seven days after you have given birth, unless the trip was booked before you knew that you were pregnant.
- Any unemployment caused by or resulting from misconduct leading to dismissal or from resignation or voluntary redundancy, or where a warning or notice of redundancy was given before the date this insurance came into effect or the time the trip was booked (whichever is earlier).
- See also the General exclusions and General conditions sections. .
cancellation (continued)
If you make a claim, you will need to do the following
- Contact us as soon as you know that your trip might need to be cancelled.
- Tell the tour operator or travel agent you booked your trip with.
- If your claim is as a result of your passport being stolen, report the theft to the police within 24 hours of discovering it and ask them for a police report in writing.
- If your claim is as a result of illness, injury or death, the doctor treating you or the person concerned will need to fill in a medical certificate. We may also need to contact the patients usual healthcare specialist. Any fees charged for this service will not be covered by this insurance as it is your responsibility to support
your claim.
- Send us your original booking invoices and travel documents showing the dates and times of travel.
- Send us the original cancellation invoices listing all the cancellation charges.
- Send us all the original receipts and account for all your expenses
section 3 curtailment (cutting your trip short)
The most we will pay for each person is as follows
Curtailment £5,000
Please note the following
- All curtailment claims must be authorised in advance by Inter Group Assistance Services. The phone numbers are at the back of this policy booklet. If you do not contact them, we may not be able to pay your claim.
- Payment for a claim for unused accommodation, travel or other costs will cover the proportional costs for the number of days of use lost and will be worked out from the date you return home.
For example, if you curtail halfway through your trip, we will only consider paying half the amount you originally paid for the trip.
What's covered
We will pay you all reasonable travel expenses and any unused pre-booked travel and accommodation costs (including excursion, car hire and other charges) that you have paid or are under contract to pay, if it is necessary and unavoidable for you to urgently return to the UK for one of the following reasons.
- You become ill or are injured and the doctor treating you certifies that it is medically necessary for you to return to the UK.
- You die.
- A close relative or close business associate of yours living in the UK is ill, injured or dies.
- Anyone you had planned to stay with or travel with is ill, injured or dies.
- You or anyone you had planned to travel with or stay with are:
i) in quarantine (for example, due to an outbreak of foot-and-mouth disease);
ii) called for jury service; or
iii) called as a witness in a court of law.
- You or anyone you are travelling with are kidnapped or held hostage as a result of the aircraft or other transport in which you are a passenger being hijacked.
- You or anyone you are travelling with are instructed to return home by the police (or other recognised emergency services) due to serious damage to your home or place of business in the UK caused by fire, aircraft, explosion, storm, flood, subsidence, vandalism or theft.
- You or anyone you are travelling with are a member of the British armed forces, police, fire, nursing or ambulance services and authorised leave is cancelled due to an unexpected emergency.
- You have to go into hospital due to an accident, illness or injury that occurs during your trip and you spend over 24 hours as an inpatient.
curtailment (continued)
What's not covered
- The first £50 for each event.
- Any curtailment expenses that are not authorised beforehand by Inter Group Assistance Services.
- Any expenses that you can recover from elsewhere.
- Any expenses resulting from you changing your mind about continuing with your trip.
- Any expenses arising from any loss of enjoyment of your trip.
- Any claim arising from circumstances or an event that you could reasonably foresee or knew about when you bought this insurance or booked the trip,and that you knew could lead to your trip being curtailed (for example, a serious medical condition of a close relative, business associate or travelling companion).
- Any claim caused directly or indirectly by pregnancy or childbirth if the end of your trip is within 18 weeks of your expected delivery date.
- Any expenses resulting from weather, climatic or environmental conditions at your destination.
-See also the General exclusions and General conditions sections.

Up to £1000 for Missed departure
We will pay reasonable extra travel and accommodation expenses to get you to your destination abroad or back to the UK, if you arrive late at your departure point from or to the UK and miss your booked departure time (as shown on your ticket) because:
- you have an accident;
- your transport breaks down; or
- your scheduled public transport does not arrive or is delayed.

Up to a maximum of £1000 for Delayed departure
We will pay £30 for the first full 12 hours and £10 for every full 12 hours after that, if your departure from your final outward departure point in the UK or return to the UK from your final departure point abroad is delayed by 12 hours or more from the departure time shown on your ticket because of:
- strike or industrial action;
- weather conditions affecting scheduled public transport; or
- mechanical breakdown of the aircraft, cross-channel train or sea vessel in or on which you are to travel.

Up to £5000 for Trip abandonment
If your departure from the final departure point in the UK at the start of your trip is delayed for more than 12 hours after the departure time shown on your ticket from any of the causes above, you can choose to abandon your trip. You can then claim for all accommodation, travel, excursion, car-hire and admission expenses that you have paid or are under contract to pay for the trip you have abandoned and that are not recoverable from elsewhere.

section 7 personal liability
The most we will pay for each policy is as follows
Personal liability £2 million
Note: if you are using a mechanical, water-borne or motorised vehicle, make sure that you have enough third-party insurance cover as you are not covered under this insurance for any loss, injury or damage to any third party or object.
Whats covered
If you are found legally liable to pay compensation for any claim or series of claims arising from any one event that happens during a trip and that causes accidental:
- bodily injury, illness or death to any person; or
- loss or damage to someone elses property;
we will pay:
- legal costs and expenses recoverable by any person claiming against you as long as these costs and expenses arose before we agreed to settle the claim; and
- your costs and expenses that we have agreed to in writing.
If you die, we will pass the rights you had under this section on to your legal representatives.
What's not covered
- The first £50 for each event.
- Liability arising from any of the following.
Injury or death to any person who is a relative of yours, a member of your household, a travelling companion or someone working for you.
Damage to property belonging to or hired by you (except temporary rented holiday accommodation), a relative of yours, a member of your household, a travelling companion or someone working for you.
- Liability arising out of or from the following.
Owning, possessing or using any lift, horse-drawn or mechanically propelled vehicle (such as, but not limited to, a car or motorbike), aircraft or watercraft (such as, but not limited to, jet skis and motor boats, but not including a boat designed for and being used as accommodation and that is permanently moored), model aircraft, model watercraft, hand-or foot-propelled watercraft, surf or sail boards and domestic gardening equipment.
Owning,possessing or using animals or firearms.
Your profession, business or employment, including voluntary work of any kind.
You caring for or looking after any children (including lecturing, teaching, baby-sitting, and being a nanny or an au pair).
Actions between insured people (in other words, people insured on the same policy trying to make a claim against each other).
Owning any land or building.
Any agreement or contract that introduced any liability that would not have existed otherwise.
- See also the General exclusions and General conditions sections.

section 10 catastrophe
The most we will pay for each policy is as follows
Catastrophe £1,000
Whats covered
If, during your trip, you are forced to move from your pre-booked and pre-paid accommodation because one of the following events means you can no longer stay there.
- Fire, lightning, explosion, earthquake, tidal wave, storm, avalanche, hurricane, flood or medical epidemic.
- We will pay the necessary extra travel and accommodation expenses to allow you to continue with your trip or return to the UK if you cannot continue with your trip.
What's not covered
- The first £50 for each event.
- Any expenses resulting from you changing your mind to travel or continue with your trip when the local or national authorities confirm that it is safe to stay.
- Expenses recoverable from elsewhere.
- See also the General exclusions and General conditions sections.

general conditions (applies to all sections of cover)
You must meet the following conditions to have the full protection of this policy. If you do not, we may cancel the policy, refuse to deal with your claim or reduce the amount of any claim payment we make.
Preventing injury, loss or damage
You must take all reasonable precautions to avoid any injury, illness, loss, theft or damage. Also, you must take all reasonable steps to protect your personal possessions from loss, theft or damage, particularly high-risk items and money. You should always pack high-risk items and money in your hand luggage when you are travelling. You should never carry more cash with you than you need or leave any high-risk items or money unattended, unless they are locked in your accommodation or a safety-deposit box.
Changes that may affect your cover
You must tell us as soon as possible if there are changes that may affect your insurance, such as:
- changing your usual address;
- you wanting to add or remove people insured by this policy;
- intending to travel outside the geographical limits of your policy, as shown on your policy schedule;
- changes to any medical conditions suffered by you, any close relatives, or anyone named on the policy schedule; and
- any new medical conditions, symptoms, diagnosis and treatment suffered by you, any close relatives, or anyone named on the policy schedule.
Claims
You must do the following
- Tell the police immediately or within 24 hours of loss or theft of any of your property and send us a copy of the police report to support your claim.
- Tell us within 31 days from the date of the loss about any event that may lead to a claim under this policy.
- Give us all the information and help we need and keep us up to date with any developments in your claim. If you are sent a writ, summons, claim or letter, do not answer it instead, send it to us as soon as possible.
- Give us all the information, evidence, details of household or medical insurance, medical certificates, proof of ownership, receipts or any other documents we need, at your own expense.
Please note: we may refuse to pay you for any expenses or losses that you cannot provide receipts or bills for.
- If a carrier (airline, railway or shipping company and so on) loses or damages any of your luggage or personal possessions in their care, let them know immediately and get a copy of their report (known as a property irregularity report).
- Keep any items that are damaged and send them to us if we ask, at your own expense.
You must not:
- admit or deny any claim made against you or negotiate, pay or settle the claim unless you get our permission in writing beforehand.
Fraud
You or any person acting on your behalf must not make false claims. If you or anyone acting for you makes a claim knowing any part of it is false,forged or exaggerated in any way, or if you deliberately cause the injury, loss or damage, we will not pay the claim and we will cancel your policy. We may also inform the police.
Our rights
We can, at any time,do the following.
- Take over the defence or settlement of any claim.
- Try to recover expenses or compensation from any other person or people involved (third parties) at any time in your name or in the name of anyone else claiming under this policy.
- Ask you to pay us back any amounts that we have paid to you which are not covered by this policy.
- If you claim for illness or injury, contact any healthcare specialist who has treated you for up to three years before the claim, and have full access to your medical records.
- Arrange (at our own expense) for you to be medically examined as often as necessary, as long as we give you reasonable notice.
- Ask for (at our own expense) a post-mortem examination of your body if you die.
Rights of third parties
A person or company who is not covered by this policy has no right under the Contracts (Rights of Third Parties) Act 1999 to insist on any term of this policy being applied. This does not affect any right or remedy of a third party that exists or is available under this Act.
Other insurance
If you have other insurance that covers the same loss, damage or liability, we will not pay more than our share of your claim. This does not apply to personal accident claims.Please note: if you have a no-claims discount (NCD) on your household insurance policy, any contribution we claim from your household insurer should not affect your NCD.
If you have not paid your premium
If we do not receive any premium payment from you on or before its due date, we may decide not to pay any claim arising from an event happening on or after that due date.
Cancelling your policy
We can cancel this policy by sending you seven days notice in writing to your last known address. You can cancel the policy by giving us seven days notice in writing as long as you have not taken any trips, or made or intend to make any claim. We will not refund any premium unless you cancel the policy during the 14-day cooling-off period, as long as you have not travelled or made a claim during that 14-day period.

Excess
This is the amount you must pay towards any claim. Under certain sections of the policy, we will deduct only one excess from a claim caused by one event.

Health agreements Form E111
If you are travelling to European Union (EU) countries you should get an E111 form from your local post office. This will allow you to get certain medical treatment free in European Union countries. For more details, ask for the Health advice for travellersbooklet and form at your local post office. If you use an E111 to reduce the cost of your medical treatment in the EU and we successfully recover 75% or more of any amounts we have paid on your behalf, you will not have to pay the £40 excess for any medical expense claim (this does not apply if you have paid the extra premium to remove the excess).