Cornhill Direct Single Trip

Emergency medical and associated expenses - Section 2
If you are taken into hospital or you think you may have to come home early or extend your journey because of illness or accident, or if your medical expenses are over £250, we must be told immediately - see under the heading 24-hour emergency medical assistance on page 9 for more information. We will pay you or your legal
representatives for the following necessary emergency expenses if you die, were injured or taken ill during a journey.
1 Overseas cover
Up to £10 million for reasonable fees or charges you run up for:
- Treatment
Medical, surgical, medication costs, hospital, nursing home or nursing services.
- Transport and accommodation
Reasonable extra transport and accommodation costs for you and any one other person who stays or travels with you or to you from the UK on medical advice.
- Funeral expenses
The reasonable cost of transporting your body or ashes to your home or we will pay up to £1,500 for your funeral expenses, in the place where you die outside the UK.
- Search and Rescue
Mountain search and rescue services when deemed medically necessary.
We will also pay
- In-patient benefit
£20 for each 24-hour period that you are in hospital as an in-patient up to £500 in total during the journey as well as any fees or charges paid under Treatment.
- Dental
Up to £300 for emergency dental treatment to relieve sudden pain.
WHAT YOU ARE COVERED FOR
- Excursions
Up to £500 in total for your excursions that have been paid for before your journey began and that cannot be recovered from anywhere else, if you get written advice from a doctor that you cannot go on them, because of an injury or illness during your journey.
2 UK cover
Up to £1,000 for:
- Transport and accommodation Reasonable extra transport and accommodation costs for you and any one other person who stays or travels with you or to you from within the UK on medical advice; and the reasonable cost of transporting your ashes or body home.
WHAT YOU ARE NOT COVERED FOR
Under 1 Overseas cover except In - patient benefit and Excursions and under 2 UK cover
An excess of £35 unless your claim is reduced because you used an European Health Insurance Card or any other reciprocal health arrangement (see Reciprocal health arrangement on page 9 for more information).
The cost of replacing any medication you were using when you began your journey.
Under 1 Overseas cover and 2 UK cover Any condition stated under Health declaration and health exclusions on pages 10-11.
Extra transport and accommodation costs which are of a higher standard to those already used on your journey, unless we agree.
Anything caused by:
- you travelling in an aircraft (except as a passenger in a fully-licensed, passenger-carrying aircraft);
- your suicide, self-injury or deliberately putting yourself at risk (unless you were trying to save another person ´s life);
- you being under the influence of drugs (except those prescribed by a doctor but not for the treatment of drug addiction);
- the direct or indirect effect of you using alcohol or solvents;
- you travelling on a motorcycle, unless the rider holds an appropriate valid licence and all persons insured are wearing crash helmets;

Personal accident -Section 7
WHAT YOU ARE COVERED FOR
We will pay you or your legal representative one of the following amounts for an accident during your journey.
Death
£15,000 for death.(We will not pay more than £1,000 if you are aged 15 or under or aged 76 or over at the time of the accident.)
Permanent loss
£25,000 for total and permanent loss of sight in one or both eyes or total and permanent loss of use of one or both hands or feet.
Physical disablement
£25,000 for a permanent physical disability as a result of which there is no work which you are able to do. (We will not pay any compensation if you are aged 15 or under or aged 76 or over at the time of the accident.)
Note:
Death benefit payments will be made to your legal personal representative.
WHAT YOU ARE NOT COVERED FOR
Any condition stated under Health declaration and health exclusions on pages 10-11.
Any claim arising more than one year after the original accident.
Anything caused by:
- your sickness, disease, physical or mental condition that is gradually getting worse unless shown on your policy schedule;
- you travelling in an aircraft (except as a passenger in a fully-licensed, passenger-carrying aircraft);
- your suicide, self-injury or deliberately putting yourself at risk (unless you were trying to save another person´s life);
- you being under the influence of drugs (except those prescribed by a doctor but not for the treatment of drug addiction);
- the direct or indirect effect of you using alcohol or solvents;
- you travelling on a motorcycle, unless the rider holds an appropriate valid licence and all persons insured are wearing crash helmets;
- you taking part in any hazardous activity unless shown on your policy schedule.
We will not pay more than one of the benefits resulting from the same injury.
Please refer to the sections General exclusions, Conditions and Making a claim that also apply.

Emergency medical and associated expenses - Section 2
If you are taken into hospital or you think you may have to come home early or extend your journey because of illness or accident, or you are likely to run up medical fees over £250, we must be told immediately - see under the heading 24-hour medical emergency and repatriation service on page 6 for more information.
WHAT IS COVERED
We will pay you or your legal representatives for the following necessary emergency expenses which you run up within 12 months of the date you died, were injured or taken ill during a journey.
1 Outside the UK.
a Up to £10 million for reasonable fees or charges you run up for:
i medical, surgical, medication costs, hospital, nursing home or nursing services;
ii reasonable extra transport and accommodation costs for you and any one other person who stays or travels with you or to you from the UK on medical advice;
iii transporting your body or ashes to your home or we will pay up to £1,500 for your funeral expenses, in the place where you die outside the UK.
b £20 for each 24-hour period that you are in hospital as an in-patient up to £500 in total during the journey as well as any fees or charges paid under 1a.

Emergency medical and associated expenses - Section 2
If you are taken into hospital or you think you may have to come home early or extend your journey because of illness or accident, or you are likely to run up medical fees over £250, we must be told immediately - see under the heading 24-hour medical emergency and repatriation service on page 6 for more information.
WHAT IS COVERED
We will pay you or your legal representatives for the following necessary emergency expenses which you run up within 12 months of the date you died, were injured or taken ill during a journey.
1 Outside the UK.
a Up to £10 million for reasonable fees or charges you run up for:
i medical, surgical, medication costs, hospital, nursing home or nursing services;
ii reasonable extra transport and accommodation costs for you and any one other person who stays or travels with you or to you from the UK on medical advice;
iii transporting your body or ashes to your home or we will pay up to £1,500 for your funeral expenses, in the place where you die outside the UK.
b £20 for each 24-hour period that you are in hospital as an in-patient up to £500 in total during the journey as well as any fees or charges paid under 1a.
c Up to £300 for emergency dental treatment to relieve sudden pain.

Emergency medical and associated expenses - Section 2
If you are taken into hospital or you think you may have to come home early or extend your journey because of illness or accident, or you are likely to run up medical fees over £250, we must be told immediately - see under the heading 24-hour medical emergency and repatriation service on page 6 for more information.
WHAT IS COVERED
We will pay you or your legal representatives for the following necessary emergency expenses which you run up within 12 months of the date you died, were injured or taken ill during a journey.
1 Outside the UK.
a Up to £10 million for reasonable fees or charges you run up for:
i medical, surgical, medication costs, hospital, nursing home or nursing services;
ii reasonable extra transport and accommodation costs for you and any one other person who stays or travels with you or to you from the UK on medical advice;
iii transporting your body or ashes to your home or we will pay up to £1,500 for your funeral expenses, in the place where you die outside the UK.
b £20 for each 24-hour period that you are in hospital as an in-patient up to £500 in total during the journey as well as any fees or charges paid under 1a.
c Up to £300 for emergency dental treatment to relieve sudden pain.
d Up to £500 in total for your excursions that have been paid for before your journey began and that cannot be recovered from anywhere else, if you get written
advice from a doctor that you cannot go on them, because of an injury or illness during your journey
2 Within the UK.
Up to £1,000 for:
a reasonable extra transport and accommodation costs for you and any one other person who stays or travels with you or to you from within the UK on medical advice; and
b the reasonable cost of transporting your ashes or body home.

Emergency medical and associated expenses - Section 2
If you are taken into hospital or you think you may have to come home early or extend your journey because of illness or accident, or you are likely to run up medical fees over £250, we must be told immediately - see under the heading 24-hour medical emergency and repatriation service on page 6 for more information.
WHAT IS COVERED
We will pay you or your legal representatives for the following necessary emergency expenses which you run up within 12 months of the date you died, were injured or taken ill during a journey.
1 Outside the UK.
a Up to £10 million for reasonable fees or charges you run up for:
i medical, surgical, medication costs, hospital, nursing home or nursing services;
ii reasonable extra transport and accommodation costs for you and any one other person who stays or travels with you or to you from the UK on medical advice;
iii transporting your body or ashes to your home or we will pay up to £1,500 for your funeral expenses, in the place where you die outside the UK.
b £20 for each 24-hour period that you are in hospital as an in-patient up to £500 in total during the journey as well as any fees or charges paid under 1a.
c Up to £300 for emergency dental treatment to relieve sudden pain.
d Up to £500 in total for your excursions that have been paid for before your journey began and that cannot be recovered from anywhere else, if you get written
advice from a doctor that you cannot go on them, because of an injury or illness during your journey
2 Within the UK.
Up to £1,000 for:
a reasonable extra transport and accommodation costs for you and any one other person who stays or travels with you or to you from within the UK on medical advice; and
b the reasonable cost of transporting your ashes or body home.

Personal money -Section 6
Your policy schedule will show if this section is excluded Up to £500 for loss or theft of your personal money (but no more than £250 in cash in total while on you, whether jointly owned or not) while on your journey.
WHAT YOU ARE COVERED FOR
Up to £500 for loss or theft of your personal money (but no more than £250 in cash in total while on you, whether jointly owned or not) while on your journey.
WHAT YOU ARE NOT COVERED FOR
An excess of £35.
Compensation unless you can provide receipts of the amount you had from the place where you got the currency.
Loss or theft of personal money, unless it is on your person,locked in a safe or safety deposit box (if one is available) or locked in the accommodation you are
using on your journey.
Loss caused by a reduction in exchange rates or shortage caused by mistakes in exchanging currency.
Loss or theft of travellers´ cheques when the place where you got them from provides a replacement service.
More than the minimum market value of equivalent travel tickets, if your travel tickets have been paid for using an airline mileage reward scheme.
Please refer to the sections General exclusions, Conditions and Making a claim that also apply.

Legal expenses -Section 11
WHAT YOU ARE COVERED FOR
You can call our 24-hour legal helpline for advice on any travel related legal problem to do with your journey arising under the law of England, Wales, Scotland and Northern Ireland. Phone:+44 (0)20 8603 9974 textphone +44 (0)20 8666 9562
If you die,are ill,or injured during your journey and you or your personal representatives take legal action to claim damages or compensation for negligence against a third party, we will do the following:
- Nominate an appointed adviser to act for you. If you and we cannot agree on an appointed adviser, the matter can be referred to an Alternative Resolution Facility.
- For each event giving rise to a claim pay up to £25,000 legal costs for legal action for you (but not more than £50,000 in total for all persons insured on this policy).
Note
- you must conduct your claim in the way requested by the appointed adviser;
- you must keep us and the appointed adviser fully aware of all facts and correspondence including any claim settlement offers made to you;
- we will not be bound by any promises or undertakings which you give to the appointed adviser, or which you give to any person about payment of fees or expenses, without our consent;
- we can withdraw cover after we have agreed to the claim, if we think a reasonable settlement is unlikely or that the cost of the legal action could be more than the settlement.
WHAT YOU ARE NOT COVERED FOR
Any claim:
- not reported to us within 90 days after the event giving rise to the claim;
- where we think a reasonable settlement is unlikely or where the cost of the legal action could be more than the settlement;
- involving legal action between members of the same household, a relative, a travelling companion, or one of your employees;
- where another insurer or service provider has refused your claim or where there is a shortfall in the cover they provide;
- against a travel agent, tour operator or carrier, us, the insurer, another person insured by this policy or Cornhill Direct.
Legal costs:
- for legal action that we have not agreed to;
- if you refuse reasonable settlement of your claim.You should use Alternative Resolution Facilities such as mediation in this situation;
- if you withdraw from a claim without our agreement.If this occurs legal costs that we have been paid must be repaid to us and all legal costs will become your responsibility;
- that cannot be recovered by us, you or your appointed adviser, when you receive compensation. Any repayment will not be more than half of the compensation you receive;
- awarded as a personal penalty against you or the appointed adviser (for example not complying with Court rules and protocols);
- for bringing legal action in more than one country for the same event.
Please refer to the sections General exclusions, Conditions and Making a claim that also apply.

Loss of passport -Section 3
WHAT YOU ARE COVERED FOR
We will pay the following if your passport is lost,stolen or destroyed on your journey.
Costs for issuing a temporary passport Up to £150 in total for the cost of extra transport, accommodation and administration costs you have to pay to get a temporary passport to enable you to return to the UK.
Remaining value of original passport The equivalent cost (based on the current replacement costs) of the period remaining on your passport that is lost stolen or
destroyed.
WHAT YOU ARE NOT COVERED FOR
Any claim unless you get a letter from the consulate you reported the loss to.
Please refer to the sections General exclusions,Conditions and Making a claim that also apply.

Winter sports cover -Section 12
This section is only in force if shown on your policy schedule
WHAT YOU ARE COVERED FOR
Ski equipment
- We will pay up to £200 in total for the hire of alternative ski equipment if:
- yours is temporarily lost or stolen on your outward journey for more than 12 hours from when you arrived at your destination; or
- yours is damaged, stolen, lost or destroyed on your journey.
- We will pay up to £400 in total for your ski equipment (including ski equipment you are legally liable for) and ski pass that is damaged, stolen, lost or destroyed on your journey.
WHAT IS NOT COVERED
Under Ski equipment
Anything mentioned under the heading WHAT IS NOT COVERED within Personal possessions - section 5.
Note
It will be our decision to pay either:
- the cost of repairing your items
- to replace your belongings with equivalent items, or
- the cost of replacing your items. An amount for wear, tear and loss of value will be deducted.
There is also a single article limit of £250, whether jointly owned or not.

Winter sports cover -Section 12
This section is only in force if shown on your policy schedule
WHAT YOU ARE COVERED FOR
Ski equipment
- We will pay up to £200 in total for the hire of alternative ski equipment if:
- yours is temporarily lost or stolen on your outward journey for more than 12 hours from when you arrived at your destination; or
- yours is damaged, stolen, lost or destroyed on your journey.
- We will pay up to £400 in total for your ski equipment (including ski equipment you are legally liable for) and ski pass that is damaged, stolen, lost or destroyed on your journey.
WHAT IS NOT COVERED
Under Ski equipment
Anything mentioned under the heading WHAT IS NOT COVERED within Personal possessions - section 5.
Note
It will be our decision to pay either:
- the cost of repairing your items
- to replace your belongings with equivalent items, or
- the cost of replacing your items. An amount for wear, tear and loss of value will be deducted.
There is also a single article limit of £250, whether jointly owned or not.

Winter sports cover -Section 12
This section is only in force if shown on your policy schedule
WHAT YOU ARE COVERED FOR
Ski equipment
- We will pay up to £200 in total for the hire of alternative ski equipment if:
- yours is temporarily lost or stolen on your outward journey for more than 12 hours from when you arrived at your destination; or
- yours is damaged, stolen, lost or destroyed on your journey.
- We will pay up to £400 in total for your ski equipment (including ski equipment you are legally liable for) and ski pass that is damaged, stolen, lost or destroyed on your journey.
WHAT IS NOT COVERED
Under Ski equipment
Anything mentioned under the heading WHAT IS NOT COVERED within Personal possessions -section 5.
Note
It will be our decision to pay either:
- the cost of repairing your items
- to replace your belongings with equivalent items, or
- the cost of replacing your items. An amount for wear, tear and loss of value will be deducted.
There is also a single article limit of £250, whether jointly owned or not.

Winter sports cover - Section 12
This section is only in force if shown on your policy schedule
WHAT YOU ARE COVERED FOR
Ski pack
We will pay up to £200 in total for your ski pack costs that have been paid for and that cannot be recovered from anywhere else, if
- you have to cancel or curtail your journey
- you cannot ski because of an injury or illness during your journey.
WHAT YOU ARE NOT COVERED FOR
Under Ski pack
Anything mentioned under the heading WHAT IS NOT COVERED within Cancellation and curtailment - section 1.
Anything mentioned under the heading WHAT IS NOT COVERED within Emergency medical and associated expenses -section 2.

Winter sports cover -Section 12
This section is only in force if shown on your policy schedule
WHAT YOU ARE COVERED FOR
Ski equipment
- We will pay up to £200 in total for the hire of alternative ski equipment if:
- yours is temporarily lost or stolen on your outward journey for more than 12 hours from when you arrived at your destination; or
- yours is damaged, stolen, lost or destroyed on your journey.
- We will pay up to £400 in total for your ski equipment (including ski equipment you are legally liable for) and ski pass that is damaged, stolen, lost or destroyed on your journey.
WHAT IS NOT COVERED
Under Ski equipment
Anything mentioned under the heading WHAT IS NOT COVERED within Personal possessions -section 5.
Note
It will be our decision to pay either:
- the cost of repairing your items
- to replace your belongings with equivalent items, or
- the cost of replacing your items. An amount for wear, tear and loss of value will be deducted.
There is also a single article limit of £250, whether jointly owned or not.

Winter sports cover - Section 12
Piste closure
We will pay one of the following, if it is not possible for you to ski or snowboard at the ski resort that you booked before your journey begins,because there is not
enough snow and as a result ski-lifts and ski-schools that you are due to use are closed as a result of adverse weather conditions.
- Up to £20 for each full day up to £200 in total for the cost of extra transport or lift passes to let you ski or snowboard at another resort;or
- Up to £20 for each full day up to £200 in total if no other resort is available.
WHAT YOU ARE NOT COVERED FOR
Under Piste closure
Any compensation for the first full 12 hours at your booked ski resort.
Any journey in the UK.
Any claim unless you have a letter from the ski-lift or ski-school operators giving the reason for closing the piste and showing the number of days the piste was closed during your journey.
Compensation which you can get from your tour operator or anywhere else.
Costs if the ski-lifts or ski-schools in your pre-booked resort were closed when your policy or travel tickets for your journey were issued, if this is less than 14 days before the beginning of your journey.
Any journey beginning outside a recognised ski resort or the official resort opening dates.
Please refer to the sections General exclusions, Conditions and Making a claim that also apply.

Winter sports cover - Section 12
Piste closure
We will pay one of the following, if it is not possible for you to ski or snowboard at the ski resort that you booked before your journey begins,because there is not
enough snow and as a result ski-lifts and ski-schools that you are due to use are closed as a result of adverse weather conditions.
- Up to £20 for each full day up to £200 in total for the cost of extra transport or lift passes to let you ski or snowboard at another resort;or
- Up to £20 for each full day up to £200 in total if no other resort is available.
WHAT YOU ARE NOT COVERED FOR
Under Piste closure
Any compensation for the first full 12 hours at your booked ski resort.
Any journey in the UK.
Any claim unless you have a letter from the ski-lift or ski-school operators giving the reason for closing the piste and showing the number of days the piste was closed during your journey.
Compensation which you can get from your tour operator or anywhere else.
Costs if the ski-lifts or ski-schools in your pre-booked resort were closed when your policy or travel tickets for your journey were issued, if this is less than 14 days before the beginning of your journey.
Any journey beginning outside a recognised ski resort or the official resort opening dates.
Please refer to the sections General exclusions, Conditions and Making a claim that also apply.

Winter sports cover - Section 12
Piste closure
We will pay one of the following, if it is not possible for you to ski or snowboard at the ski resort that you booked before your journey begins,because there is not
enough snow and as a result ski-lifts and ski-schools that you are due to use are closed as a result of adverse weather conditions.
- Up to £20 for each full day up to £200 in total for the cost of extra transport or lift passes to let you ski or snowboard at another resort;or
- Up to £20 for each full day up to £200 in total if no other resort is available.
WHAT YOU ARE NOT COVERED FOR
Under Piste closure
Any compensation for the first full 12 hours at your booked ski resort.
Any journey in the UK.
Any claim unless you have a letter from the ski-lift or ski-school operators giving the reason for closing the piste and showing the number of days the piste was closed during your journey.
Compensation which you can get from your tour operator or anywhere else.
Costs if the ski-lifts or ski-schools in your pre-booked resort were closed when your policy or travel tickets for your journey were issued, if this is less than 14 days before the beginning of your journey.
Any journey beginning outside a recognised ski resort or the official resort opening dates.
Please refer to the sections General exclusions, Conditions and Making a claim that also apply.

Winter sports cover -Section 12
This section is only in force if shown on your policy schedule
WHAT YOU ARE COVERED FOR
Ski equipment
- We will pay up to £200 in total for the hire of alternative ski equipment if:
- yours is temporarily lost or stolen on your outward journey for more than 12 hours from when you arrived at your destination; or
- yours is damaged, stolen, lost or destroyed on your journey.
- We will pay up to £400 in total for your ski equipment (including ski equipment you are legally liable for) and ski pass that is damaged, stolen, lost or destroyed on your journey.
WHAT IS NOT COVERED
Under Ski equipment
Anything mentioned under the heading WHAT IS NOT COVERED within Personal possessions -section 5.
Note
It will be our decision to pay either:
- the cost of repairing your items
- to replace your belongings with equivalent items, or
- the cost of replacing your items. An amount for wear, tear and loss of value will be deducted.
There is also a single article limit of £250, whether jointly owned or not.

24-hour medical emergency and repatriation service
Please tell us immediately about any serious illness or accident abroad where you have to go into hospital or you may have to return home early or extend your stay because of any illness or injury. If you are unable to do this because the condition is life, limb, sight or organ threatening, you should contact us as soon as you can. You must also tell us if you are likely to run up medical fees over £250. You can call day or night or email.
Phone +44 (0)20 8603 9916 Fax +44 (0)20 8603 0204
email international_dept@mondial-assistance.co.uk
Please give us your age and your policy number. Say that you are insured with Cornhill Direct Travel Insurance, which is underwritten by ELVIA Travel Insurance International N.V.
You can use this service outside the UK during your journey.
Below are some of the ways our service can help.
Repatriation - If our doctor thinks it would be in your medical interests to bring you back to the UK, normally you will be transferred by regular airline or road ambulance.
Where medically necessary in very serious or urgent cases, we will use an air ambulance. We will consult the treating doctor and our doctor first. If you need to go
home early, the doctor must provide a certificate confirming that you are fit to travel.
Without this the airline can refuse to carry any sick or injured person.
Confirmation of payment - We will contact hospitals or doctors abroad and guarantee to pay their fees, providing you have a valid claim.
We will pay any expenses you have to pay for the above facilities up to the limits shown in this policy. This service will be governed by the same conditions and exclusions that appear in the policy.
You can contact us at any time day or night. You will be answered by one of our experienced assistance co-ordinator who you should give all relevant information to.
Please make sure you have details of your policy before you phone.
If you claim for a minor illness or accident, you should pay the costs and reclaim the money from us.

It will be our decision to pay either:
- the cost of repairing your items;
- to replace your belongings with equivalent items; or
- the cost of replacing your items. An amount for wear, tear and loss of value will be deducted.

Personal possessions -Section 5
Your policy schedule will show if this section is excluded
Up to £1,500 in total for your personal possessions (this does not include ski equipment) damaged, stolen, lost or destroyed on your journey.
The most we will pay for valuables is £300 in total, There is also a single article, pair or set limit of £250.
WHAT YOU ARE COVERED FOR
Note:
It will be our decision to pay either:
- the cost of repairing your items;
- to replace your belongings with equivalent items; or
- the cost of replacing your items.
An amount for wear, tear and loss of value will be deducted.
WHAT YOU ARE NOT COVERED FOR
An excess of £35.
More than the part of the pair or set that is stolen,lost or destroyed.
Breakage of or damage to:
sports equipment while it is being used, fragile articles,audio,video,computer, television,fax and phone equipment.
Loss or damage due to the climate, wear and tear, loss in value, process of cleaning,moths or vermin.
The cost of replacing or repairing false teeth.
A claim for more than one mobile phone per person insured.
Loss or theft of, or damage to the following.
- Films, tapes, cassettes, computer games, electronic games, mini-discs, DVDs, video and audio tapes, cartridges or discs, unless they were pre-recorded, in which case we will pay up to the replacement cost.
- Goods which deteriorate, bottles or cartons, and any damage caused by these items or their contents.
- Valuables left in a motor vehicle.
- Valuables carried in suitcases, trunks or similar containers unless they are on your person all the time.
- Valuables unless they are on your person or locked in a safe or safety deposit box (if one is available) or locked in the accommodation you are using on your journey
- Contact or corneal lenses, unless following fire or theft.
- Bonds, share certificates, guarantees or documents of any kind.
- Personal possessions unless they are on your person, locked in the accommodation you are using on your journey or they are out of sight in the locked boot or covered luggage area of a locked motor vehicle (no cover for valuables ).
- Personal money (see section 6).
Please refer to the sections General exclusions, Conditions and Making a claim that also apply.

Delayed personal possessions - Section 4
WHAT YOU ARE COVERED FOR
Up to £150 in total for essential replacement items, if your personal possessions (this does not include valuables or ski equipment) are temporarily lost or stolen on your outward journey for more than 12 hours from when you arrived at your destination
Note:
You must send us the receipts for anything that you buy. If the items are permanently lost,we will take any amount that you are due to be paid under this section from the final claim settlement under Personal possessions - Section 5. This will only be done when your policy schedule shows you have
Personal possessions and Personal money cover.
WHAT YOU ARE NOT COVERED FOR
Please refer to the sections General exclusions, Conditions and Making a claim that also apply.

Cancellation or curtailment charges -Section 1
If you think you may have to cut your journey short (curtail),we must be told immediately - see under the heading 24-hour emergency medical assistance on page 9
for more information. We will pay up to £5,000 in total (including up to £500 in total for excursions), for your part of unused personal accommodation, transport charges and other travel expenses which have been paid or where there is a contract to pay that cannot be recovered from anywhere else.
We will provide this cover in the following necessary and unavoidable circumstances.
Cancellation
If you cancel your journey before it begins because one of the following happens:
- The death,serious injury or serious illness of you, someone you were going to stay with, a travelling companion, or a relative or business associate of you or a travelling companion.
- You or a travelling companion is called for jury service in the UK or as a witness in a court in the UK.
- You or a travelling companion is needed by the police following a burglary, or damage caused by serious fire, storm, flood, explosion, subsidence, vandalism, fallen trees, impact by aircraft or vehicle at your home or their home or usual place of business in the UK.
- You or a travelling companion being advised not to travel by a doctor as a result of pregnancy.
- Your redundancy.
WHAT YOU ARE COVERED FOR
Curtailment
You cut your journey short (curtail)after it has begun because of one of the following.
- Anything mentioned in Cancellation except redundancy.
- You are injured or ill and are in hospital for the rest of your journey.
Note :
We will calculate curtailment claims from the date it is necessary for you to return to the UK or the date you are hospitalised as an in-patient, for the rest of your journey. We will pay unused personal accommodation and other travel expenses based on each 24-hour period you have lost. If you need to be repatriated, we will not
refund the cost of your unused return travel tickets. We will put the value of these tickets towards the extra transport costs we have to pay.
WHAT YOU ARE NOT COVERED FOR
Under Cancellation and Curtailment
An excess of £35 (£10 for deposit only claims).
Any condition stated under the Health declarations and health exclusions on pages 10 - 11.
More than the minimum market value of equivalent travel tickets, if your travel tickets have been paid for using an airline mileage reward scheme.
Anything caused by:
- you not having the correct passport or visa;
- any restriction caused by the law of any country or people enforcing these laws;
- bankruptcy or liquidation of the company providing your transport or accommodation, their agents or any person acting for you;
- anything the company providing your transport or accommodation, their agents, any person acting for you or your conference organiser is responsible for;
- your vehicle being stolen or breaking down;
- you not wanting to travel or not enjoying your journey;
- riot, civil commotion, strike or lock-out;
- you travelling in an aircraft (except as a passenger in a fully-licensed, passenger-carrying aircraft);
- your suicide, self-injury or deliberately putting yourself at risk (unless you were trying to save another persons life);
- you being under the influence of drugs (except those prescribed by a doctor but not for the treatment of drug addiction);
- the direct or indirect effect of you using alcohol or solvents;
- the death of any pet or animal.
Under Cancellation
Any extra cancellation charges,because you did not tell the company providing your transport or accommodation, their agents or any person acting for you, as soon as you knew you had to cancel.
Claims relating to pregnancy or childbirth where the pregnancy is more than:
- 24 weeks at the end of a journey outside of Europe; or
- 28 weeks at the end of a journey within Europe.
(unless this was confirmed after the date your policy or travel tickets for your journey were bought,whichever is the later).
Financial circumstances or unemployment, except caused by redundancy which you find out about after the date your policy or travel tickets for your journey were bought (whichever is the later).
Under Curtailment
Cutting short your journey unless we have agreed.
Claims relating to pregnancy or childbirth, where the pregnancy is more than:
- 24 weeks at the end of a journey outside of Europe; or
- 28 weeks at the end of a journey within Europe.
Any costs when you do not get a medical certificate (from the doctor who treated you in the place where you were staying) which says it was necessary for
you to come home because of death, injury or illness.Our medical advisers must have agreed with the reason and that you were fit to travel.
The cost of your original pre-booked tickets if you have not used them and we have paid extra transport costs.
You travelling on a motorcycle, unless the rider holds an appropriate valid licence and all persons insured are wearing crash helmets.
Anything caused by you taking part in a hazardous activity or winter sports unless shown on your policy schedule.
Please refer to the sections General exclusions, Conditions and Making a claim that also apply.

Missed departure -Section 8
WHAT YOU ARE COVERED FOR
We will pay you up to £500 in total for the cost of extra accommodation and transport which you have to pay to get to your journey destination or back home because
you do not get to the departure point by the time shown in your travel itinerary (plans) because:
- public transport (including scheduled flights) does not run to its timetable; or
- the vehicle you are travelling in has an accident or breaks down.
WHAT YOU ARE NOT COVERED FOR
Any claim unless you:
- get a letter from the public transport provider (if this applies) confirming that the service did not run on time
- get confirmation of the delay from the authority who went to the accident or breakdown (if this applies) affecting the vehicle you were travelling in
- have allowed time in your travel plans for delays which are expected.
Any delay caused by a riot, civil commotion, strike or industrial action which began or was announced before your policy or travel tickets for your journey were bought (whichever is later).
Failure of public transport caused by a riot, civil commotion, strike or industrial action which began or was announced before you left home or where you could have reasonably made other travel arrangements.
Please refer to the sections General exclusions, Conditions and Making a claim that also apply.

Delayed departure -Section 9
WHAT YOU ARE COVERED FOR
Compensation if the flight, international train or sea vessel you are booked on is delayed at its departure point from the time shown in your travel itinerary (plans)
because of:
- a serious fire,storm or flood damage to the departure point;
- industrial action;
- bad weather;
- mechanical breakdown of the international train or sea vessel; or
- the grounding of the aircraft due to a mechanical or a structural defect.
We will pay:
Delay
£20 after the first full 10 hours of delay and £20 after each extra delay of 10 hours up to £200 in total;or
Abandonment
up to £5,000 in total for your part of the unused costs of the journey which have been paid or where there is a contract to pay that cannot be recovered from anywhere else, if, after you have been delayed for more than 10 hours, you decide to abandon the journey before you leave the UK.
Under Delay and Abandonment Anything which is caused by you not checking in at the departure point when you should have done.
Missed connections .
Compensation unless you get a letter from the airline,railway company or shipping line giving the reason for the delay and showing the scheduled departure time and the actual departure time of the flight, international train or sea vessel.
Any delay caused by a riot, civil commotion, strike or industrial action which began or was announced before your policy or travel tickets for your journey were bought (whichever is later).
Under Abandonment
An excess of £35.
More than the minimum market value of equivalent travel tickets, if your travel tickets have been paid for using an airline mileage reward scheme.
WHAT YOU ARE NOT COVERED FOR
Please refer to the sections General exclusions, Conditions and Making a claim that also apply.

Delayed departure -Section 9
WHAT YOU ARE COVERED FOR
Compensation if the flight, international train or sea vessel you are booked on is delayed at its departure point from the time shown in your travel itinerary (plans)
because of:
- a serious fire,storm or flood damage to the departure point;
- industrial action;
- bad weather;
- mechanical breakdown of the international train or sea vessel; or
- the grounding of the aircraft due to a mechanical or a structural defect.
We will pay:
Delay
£20 after the first full 10 hours of delay and £20 after each extra delay of 10 hours up to £200 in total;or
Abandonment
up to £5,000 in total for your part of the unused costs of the journey which have been paid or where there is a contract to pay that cannot be recovered from anywhere else, if, after you have been delayed for more than 10 hours, you decide to abandon the journey before you leave the UK.
Under Delay and Abandonment Anything which is caused by you not checking in at the departure point when you should have done.
Missed connections .
Compensation unless you get a letter from the airline,railway company or shipping line giving the reason for the delay and showing the scheduled departure time and the actual departure time of the flight, international train or sea vessel.
Any delay caused by a riot, civil commotion, strike or industrial action which began or was announced before your policy or travel tickets for your journey were bought (whichever is later).
Under Abandonment
An excess of £35.
More than the minimum market value of equivalent travel tickets, if your travel tickets have been paid for using an airline mileage reward scheme.
WHAT YOU ARE NOT COVERED FOR
Please refer to the sections General exclusions, Conditions and Making a claim that also apply.

Personal liability -Section 10
If you are hiring a motorised or mechanical vehicle while on your journey you must make sure that you get the necessary insurance from the hire company.We do not cover this under our policy.
WHAT YOU ARE COVERED FOR
We will pay up to £2 million plus any other costs we agree to in writing that relate to anything you cause during your journey for which you are legally liable and results
in one of the following:
- Bodily injury of any person.
- Loss of or damage to property which you do not own and you or a relative have not hired, loaned or borrowed.
- Loss of or damage to the accommodation you are using on your journey that does not belong to you or a relative.
Note:
Inform us as soon as you or your legal representatives are aware of a possible prosecution,inquest or fatal injury, which might lead to a claim under this section.
Please do not negotiate, pay, settle, admit or deny any liability to any third party, without our written consent.
WHAT YOU ARE NOT COVERED FOR
Any liability for bodily injury or loss of or damage to property that comes under any of the following categories.
- Something which is suffered by anyone employed by you or a relative and is caused by the work they are employed to do.
- Something which is caused by something you deliberately did or did not do.
- Something which is caused by your employment or employment of a relative.
- Something which is caused by you using any firearm or weapon.
- Something which is caused by any animal you own, look after or control.
- Something which you agree to take responsibility for which you would not otherwise have been responsible for.
Any contractual liabilities.
Any liability for bodily injury suffered by you, a relative or travelling companion.
Compensation or other costs caused by accidents arising from your ownership or possession of any of the following.
- The use of any land or building except for the accommodation you are using on your journey.
- Motorised or mechanical vehicles and any trailers attached to them.
- Aircraft,motorised water craft or sailing vessels.
Please refer to the sections General exclusions, Conditions and Making a claim that also apply.

24-hour medical emergency and repatriation service
Please tell us immediately about any serious illness or accident abroad where you have to go into hospital or you may have to return home early or extend your stay because of any illness or injury. If you are unable to do this because the condition is life, limb, sight or organ threatening, you should contact us as soon as you can. You must also tell us if you are likely to run up medical fees over £250. You can call day or night or email.
Phone +44 (0)20 8603 9916 Fax +44 (0)20 8603 0204
email international_dept@mondial-assistance.co.uk
Please give us your age and your policy number. Say that you are insured with Cornhill Direct Travel Insurance, which is underwritten by ELVIA Travel Insurance International N.V.
You can use this service outside the UK during your journey.
Below are some of the ways our service can help.
Repatriation - If our doctor thinks it would be in your medical interests to bring you back to the UK, normally you will be transferred by regular airline or road ambulance.
Where medically necessary in very serious or urgent cases, we will use an air ambulance. We will consult the treating doctor and our doctor first. If you need to go
home early, the doctor must provide a certificate confirming that you are fit to travel.
Without this the airline can refuse to carry any sick or injured person.
Confirmation of payment - We will contact hospitals or doctors abroad and guarantee to pay their fees, providing you have a valid claim.
We will pay any expenses you have to pay for the above facilities up to the limits shown in this policy. This service will be governed by the same conditions and exclusions that appear in the policy.
You can contact us at any time day or night. You will be answered by one of our experienced assistance co-ordinator who you should give all relevant information to.
Please make sure you have details of your policy before you phone.
If you claim for a minor illness or accident, you should pay the costs and reclaim the money from us.

Conditions
The following conditions apply to the whole of your policy.Please read these carefully as we can only pay your claim if you meet these:
1. You are a resident of the UK.
2. You take reasonable care to protect yourself and your property against accident, injury, loss and damage and act as if you are not insured and to minimise any potential claim.
3. You have a valid policy schedule.
4.You accept that we will not extend the period of insurance:
- for single trip cover if the original policy plus any extensions have either ended, been in force for longer than 180 days or you know you will be making a claim.
- for annual multi-trip cover beyond the expiry of your policy.
5. You contact us as soon as possible with full details of anything which may result in a claim and give us all the information we ask for. Please see section Making a claim on pages 15-17 for more information.
6. You accept that no alterations to the terms and conditions of the policy, unless we confirm them in writing to you.
7. You are not aged:
- 80 or over at the date your policy was issued for single trip cover.
- 65 or over at the start date of your policy for annual multi-trip cover.
We have the right to do the following
1. Cancel the policy and make no payment if you make a fraudulent claim. We may in these instances report the matter to the police.
2. Only cover you for the whole of your journey and not issue a policy if you have started your journey.
3 Take over and deal with, in your name, any claim you make under this policy.
4. Take legal action in your name (but at our expense) and ask you to give us details and fill in any forms (including Department of Social Security forms), which will help us to recover any payment we have made under this policy.
5. With your permission,get information from your medical records to help us or our representatives deal with any claim.
This could include a request for you to be medically examined or for a post mortem to be carried out in the event of your death. We will not give personal information about you to any other organisation without your specific agreement.
6. Send you home at any time during your journey if you are taken ill or injured.
We will only do this if the doctor treating you and our medical advisers agree. If there is a dispute, we will ask for an independent medical opinion.
7. Not accept liability for costs incurred after the date the treating doctor and our medical advisers agree you should return to the UK, if you refuse to be repatriated.
8. Only refund or transfer your premium if you decide that the policy does not meet your needs and you have contacted us within 14 days from the date you receive
your policy and policy schedule. We can recover all costs that you have used if you have not travelled or made a claim or intend to make a claim.
9 Not to pay any claim on this policy (except under the Personal accident section) for any amounts covered by another insurance.In these circumstances we will only pay our share of the claim.
10. If you cancel or cut short your journey:
- All cover provided on your single trip policy will be cancelled without refunding your premium.
- All cover provided on your annual multi-trip policy for that journey will be cancelled without refunding your premium.
11. Ask you to pay us back any amounts that we have paid to you which are not covered by this policy.

Policy excess
Under some sections of your policy, you will have to pay an excess. This means that you will be responsible for paying the first part of the claim for each incident. The amount you have to pay is the excess. We will deduct one excess per incident for each section of the policy as appropriate.