Debenhams Travel Insurance

31 days

SECTION B MEDICAL OR ADDITIONAL ACCOMMODATION & TRAVEL EXPENSES
We will pay up to the amount shown in the Summary for:
1. essential medical, hospital and treatment expenses
2. the cost of EMERGENCY dental treatment BUT ONLY for the immediate relief of pain, up to £400
3. repatriation
4. additional accommodation, travelling and similar expenses (including such reasonable additional expenses of a relative or friend required on medical advice to travel to or remain behind with or accompany You) as a direct result of:
i. Your accidental Bodily Injury, or
ii. Your illness which occurs whilst You are on Holiday and which arises after You have paid Your premium.
CONDITIONS APPLICABLE TO SECTIONS 1 TO 3 ONLY
1. Items 1, 2 and 3 of Section 3 above are applicable only in respect of Holidays outside Your usual country of residence.
2. It is a condition of Section 3 of the Insurance that travel is limited to the same class as that originally booked.
3. You may not claim under Section 3 and Section 4 in respect of the same additional accommodation or travel expenses.
4. If the cost of Your medical treatment is reduced by use of Your E111, Medicare or any other similar reciprocal agreement, the Excesses under Section 3 will not be applied.
5. In the event that benefit under Section 3 becomes payable and it is considered medically necessary to do so, We will arrange for Global Response or Global Excel Management to transfer You, to the nearest practical location.
6. Section 3 covers the emergency costs of airlifting where such action is appropriate, necessary and practical.
EXCLUSIONS APPLICABLE TO SECTIONS 1 TO 3 ONLY
Sections 1, 2 and 3 of this Insurance do not cover:
1. the first £35 per person or £70 per Family of each and every claim, applicable only in respect of Section 2(b) (no excess applies to claims made in respect of Children). An excess of £50 per person or £100 per Family applies in respect of Section 3
2. losses arising under Sections 2 or 3 if,
a. in the USA, Canada, Caribbean or Mexico, the consent of Global Excel Management is not obtained before any expenses are incurred, or
b. when elsewhere in the world, if expenses are likely to exceed £500 per person and the consent of Global Response is not obtained before such expenses are incurred
3. losses arising within twenty-five miles of Your Home (not applicable to Section 1)
4. expenses incurred under these Sections after You are repatriated to Your usual country of residence (We reserve the right to repatriate You should Our medical advisers view You as being fit to travel)
5. treatment or aid obtained in Your usual country of residence (except as provided for herein)
6. surgery or medical treatment which can reasonably be dealt with on Your return to Your usual country of residence
7. medication and/or treatment which at the time of the departure is known to be required or to be continued outside Your usual country of residence
8. the additional cost of single or private room accommodation at a hospital or nursing home, except where the medical practitioner treating You deems it necessary for You to occupy such accommodation
9. charges for personal services such as radio, TV, telephone and the like
10. cosmetic surgery and all expenses incurred in connection with cosmetic surgery, except as a necessary result of accidental injury occurring during the period of the Holiday/Trip
11. all expenses incurred in connection with elective or non-emergency care
12. non-prescribed drugs, medicines and related items
13 services and supplies to the extent that they are not usual, customary and reasonable or not prescribed by a legally qualified medical practitioner in accordance with similar accepted provisional medical standards
14. claims arising directly or indirectly from Your participation in Hazardous Sports and Leisure Activities unless agreed by Travellers Protection Services Limited 15. any cost or expense if You do not have a pre-paid return ticket to Your country of residence (within the EU) at the start of Your Trip16. 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
17. the cost of providing, repairing or replacing dentures, dental work involving the use of precious metals, false limbs, hearing aids, contact or corneal lenses or prescription spectacles
18. medication or drugs You knew You would need before the start of Your Trip.

SECTION E PERSONAL ACCIDENT
What you Are Covered For:
In the event that you sustain an accidental bodily injury during the period of insurance, we will pay the benefits detailed in the Schedule of Benefits on page 1 for bodily injury, which solely and independently of any other cause within twelve calendar months from the date of the accident causing such bodily injury results in:
1. your death, or
2. loss of one or more of your limbs, or
3. loss of sight in one of both of your eyes, or
4. your permanent total disablement provided that:
a. death or disablement occurs within one year of the bodily injury
b. compensation shall not be payable under more than one of the above items 1, 2, 3 or 4 in respect of the same accident, and the payment under any one item shall terminate our liability under this section of the policy
c. for children/grandchildren, the loss of one or more eyes or limbs benefit shall be limited to £2,500, the death benefit shall be limited to £1,000 and nil benefit shall be paid for permanent total disablement
d. any claim must be certified by an independent medical practitioner
What you Are Not Covered For:
We will not pay for the following in connection with claims made under section E:
1. the contracting of any disease, illness and/or medical condition
2. the injection or ingestion of any substance
3. any event which directly or indirectly exacerbated a previously existing physical bodily injury
4. losses arising within 25 miles of your home
5. expenses incurred under section E after you are repatriated to your usual country of residence (we reserve the right to repatriate you should our medical advisers view you as being fit to travel)
6. treatment or aid obtained in your usual country of residence (except as provided for herein)
7. surgery or medical treatment which can reasonable be dealt with on your return to your usual country of residence
8. medication and/or treatment which at the time of the departure is known to be required or to be continued outside your usual country of residence
9. the additional cost of a single or private room accommodation at a hospital or nursing home, except where the medical practitioner treating you deems it necessary for you to occupy such accommodation
10. charges for personal services such as radio, TV, telephone and the like
11. cosmetic surgery and all expenses incurred in connection with cosmetic surgery, except as a necessary result of accidental injury occurring during the period of the holiday/trip
12. all expenses incurred in connection with elective or non-emergency care
13. non-prescribed drugs, medicines and related items
14. services and suppliers to the extent that they are not usual, customary and reasonable or not prescribed by a legally qualified medical practitioner in accordance with similar accepted provisional medical standards
15. claims arising directly or indirectly from your participation in hazardous sports and leisure activities unless agreed by TPS (Insurance Admin Services) Ltd
16. any cost or expense if you do not have a pre-paid return ticket to your home at the start of the trip
17. 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
18. the cost of providing, repairing or replacing dentures, dental work involving the use of precious metals, false limbs, hearing aids, contact or corneal lenses or prescription spectacles
19. medication or drugs you knew you would need before the start of your trip

SECTION 2 HOSPITAL BENEFIT AND RETURN TO HOME
1. Hospital Benefit : We will pay the amount shown in the Summary for each completed twenty-four hours You spend in a recognised hospital as an inpatient as a result of falling ill or sustaining Bodily Injury during Your Holiday.
2. Return to Home: In the event of Your death occurring during the Period of Insurance, We will pay up to the amount shown in the Summary to meet all reasonable expenses incurred by Your estate arising out of the transportation of Your remains back to Your Home in the United Kingdom or other European Union country, or to an Undertaker within ten miles of Your Home;
or the cost of burial or cremation in the locality abroad where Your death occurred.
CONDITIONS APPLICABLE TO SECTION 2 ONLY
You may not claim under Sub-Section 2. Return to Home and Section 4 in respect of the same Return to Home Expenses.
What you Are Not Covered For:
We will not pay for the following in connection with claims made under section C:
1. the first £35 per person or £70 per family of each and every claim in respect of section C(b) no excess applies to claims made in respect of children/grandchildren
2. losses arising under section C if:
c. in the USA, Canada, Caribbean or Mexico, the consent of Primary Assist is not obtained before any expenses are incurred, or
d. when elsewhere in the world, if expenses are likely to exceed £300 per person and the consent of Primary Assist in not obtained before such expenses are incurred
3. losses arising within 25 miles of your home
4. expenses incurred under section C after you are repatriated to your usual country of residence (we reserve the right to repatriate you should our medical advisers view you as being fit to travel)
5. treatment or aid obtained in your usual country of residence (except as provided for herein)
6. surgery or medical treatment which can reasonable be dealt with on your return to your usual country of residence
7. medication and/or treatment which at the time of the departure is known to be required or to be continued outside your usual country of residence
8. the additional cost of a single or private room accommodation at a hospital or nursing home, except where the medical practitioner treating you deems it necessary for you to occupy such accommodation
9. charges for personal services such as radio, TV, telephone and the like
10. cosmetic surgery and all expenses incurred in connection with cosmetic surgery, except as a necessary result of accidental injury occurring during the period of the holiday/trip
11. all expenses incurred in connection with elective or non-emergency care
12. non-prescribed drugs, medicines and related items
13. services and suppliers to the extent that they are not usual, customary and reasonable or not prescribed by a legally qualified medical practitioner in accordance with similar accepted provisional medical standards
14. claims arising directly or indirectly from your participation in hazardous sports and leisure activities unless agreed by TPS (Insurance Admin Services) Ltd
15. any cost or expense if you do not have a pre-paid return ticket to your home at the start of the trip
16. 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
17. the cost of providing, repairing or replacing dentures, dental work involving the use of precious metals, false limbs, hearing aids, contact or corneal lenses or prescription spectacles
18. medication or drugs you knew you would need before the start of your trip

SECTION B MEDICAL OR ADDITIONAL ACCOMMODATION & TRAVEL EXPENSES
What you Are Covered For:
We will pay up to the appropriate amount stated in the Schedule of Benefits on page 1 for:
a. i. essential medical, hospital and treatment expenses
ii. the cost of emergency dental treatment but only for the immediate relief of pain, up to £400

SECTION C HOSPITAL BENEFIT AND RETURN TO HOME
What you Are Covered For:
We will pay up to the appropriate amount stated in the Schedule of Benefits on page 1 for:
a. Hospital Benefit: we will pay the amount shown in the Schedule of Benefits for each completed 24 hours you spend in a recognised hospital as an in-patient as a result of falling ill or sustaining a bodily injury during your holiday
b. Return to Home: in the event of your death occurring during the period of insurance, we will pay up to the amount shown in the Schedule of Benefits to meet all reasonable expenses incurred by your estate arising out of the transportation of your remains back to your home in the United Kingdom, or to an undertaker within 10 miles of your home, or the cost of burial or cremation in the locality abroad where your death occurred
Conditions applicable to section C only
1. you may not claim under sub-section C(b) Return to Home and section A in respect of the same Return to Home expenses

SECTION C - HOSPITAL BENEFIT AND RETURN TO HOME
What you Are Covered For:
We will pay up to the appropriate amount stated in the Schedule of Benefits on page 1 for:
a. Hospital Benefit: we will pay the amount shown in the Schedule of Benefits for each completed 24 hours you spend in a recognised hospital as an in-patient as a result of falling ill or sustaining a bodily injury during your holiday
b. Return to Home: in the event of your death occurring during the period of insurance, we will pay up to the amount shown in the Schedule of Benefits to meet all reasonable expenses incurred by your estate arising out of the transportation of your remains back to your home in the United Kingdom, or to an undertaker within 10 miles of your home, or the cost of burial or cremation in the locality abroad where your death occurred
Conditions applicable to section C only
1. you may not claim under sub-section C(b) Return to Home and section A in respect of the same Return to Home expenses

SECTION 10 PERSONAL MONEY
We will pay up to the amount shown in the Summary in respect of Your loss of Personal Money which occurs within seventy-two hours prior to travel and during the Period of Insurance.
CONDITIONS APPLICABLE TO SECTION 10 ONLY
1. Cover under this Section of the Insurance applies only when Personal Money is carried by You or is deposited in a bank or safety deposit box, or in Your locked holiday accommodation in the event that there is no safety deposit box.
2. It is a condition of this Section of the Insurance that in the event of loss of Personal Money, documentary evidence (e.g. bank or other exchange organisation receipts) must be provided to substantiate a claim.
3. The maximum amount payable in respect of actual cash (i.e. coins or bank notes) shall be limited to £200 (£50 in respect of Children).
What you Are Not Covered For:
1. the first £35 per person or £70 per family of each and every claim other than for children/grandchildren where no excess applies
2. loss of personal money not reported to the police (and the management if the loss occurs at your holiday accommodation or on any part of the grounds) within 24 hours of discovery and a police report obtained
3. loss of personal money left unattended by you in a public place
4. theft of personal money from your holiday accommodation unless there is evidence of violent, visible and forcible entry thereto
5. theft of personal money from an unattended motor vehicle
6. loss of personal money whilst carried in a suitcase or similar receptacle
7. loss of personal money belonging solely to you whilst in the custody of another person, unless such personal money is deposited in a bank or safety deposit box

SECTION G LEGAL EXPENSES
We will pay for legal expenses incurred by You up to the amount shown in the Summary in the pursuit of legal proceedings for compensation and/or damages directly arising from or out of Your Bodily Injury or death during the Period of Insurance.
CONDITIONS APPLICABLE TO SECTION GONLY
We shall have complete control over the legal proceedings and the appointment of a Solicitor.
What you Are Not Covered For :
We will not pay for the following in connection with claims made under section G:
1. any claim brought against Us or Our agents, Your Family or any member of Your travelling party
2. legal expenses incurred prior to the granting of Our support
3. any claim reported more than thirty one days after the commencement of the incident giving rise to such claim
4. any claim where We consider Your prospects of success in achieving a reasonable benefit are insufficient
5. any claim emerging from the pursuance to a contingent fee agreement between You and Your counsel
6. any claim for travel and accommodation expenses which You have incurred whilst pursuing legal action
7. any claims for legal costs where You are pursuing legal action relating directly or indirectly to medical negligence or alleged medical negligence
8. pursuing claims as part of or on behalf of a group or organisation.

SECTION H1, H2 & H3 PERSONAL PROPERTY, PASSPORT/DRIVING LICENCE INDEMNITY AND DELAYED BAGGAGE
What you Are Covered For:
a. Personal Property we will pay up to the amount in the Schedule of Benefits on page 1 in respect of loss or damage to your personal property which occurs during the period of insurance. Cover does not apply on a new for old basis and is based on the value of the property at the time of the loss or damage
b. Passport/Driving Licence Indemnity we will indemnify you up the amount shown on the Schedule of Benefits on page 1 in respect of essential additional travel and accommodation expenses necessarily incurred within one week prior to the holiday and during the period of the holiday outside your usual country of residence, in the event of your passport of driving licence being lost or stolen and as a result of obtaining a replacement thereof
c. Delayed Baggage we will pay up to the amount shown in the Schedule of Benefits on page 1 for every 24 hour period that you remain without your baggage, subject to proof of purchase for emergency purchases of essential items of clothing or requisites, and providing your baggage is certified by the carriers (or their handling agents) in writing to have been lost or misplaced on the outward journey for at least 24 hours from the time of arrival at the holiday destination, and a property irregularity report for airlines, and an incident report for tour operators or holiday companies obtained
Conditions applicable to Sections H1, H2 & H3 only
1. we reserve the right to repair, replace or pay the intrinsic value of any lost or damaged article
2. notwithstanding the above, the maximum payable in respect of:
i. any one article, pair or set is £300 (£100 for children/grandchildren)
ii. loss or damage to valuables is £300 (£100 for children/grandchildren) in total
iii. the maximum payment for any single article for which an original receipt, proof of purchase or insurance valuation (obtained prior to the loss) is not supplied is £50, subject to a maximum of £200 for all such items
iv. spectacles and prescription sunglasses is £75
3. any damaged article must be retained and made available to us for inspection
4. you must report any losses or theft of personal property to the police and obtain a written report you will not be able to make a claim under this section H1 should you fail to do so
5. all purchase receipts in respect of section H3 must be retained in support of a claim
6. you cannot claim under both sections H1 and H3 for the same loss

SECTION H1, H2 & H3 PERSONAL PROPERTY, PASSPORT/DRIVING LICENCE INDEMNITY AND DELAYED BAGGAGE
What you Are Covered For:
a. Personal Property we will pay up to the amount in the Schedule of Benefits on page 1 in respect of loss or damage to your personal property which occurs during the period of insurance. Cover does not apply on a new for old basis and is based on the value of the property at the time of the loss or damage
b. Passport/Driving Licence Indemnity we will indemnify you up the amount shown on the Schedule of Benefits on page 1 in respect of essential additional travel and accommodation expenses necessarily incurred within one week prior to the holiday and during the period of the holiday outside your usual country of residence, in the event of your passport of driving licence being lost or stolen and as a result of obtaining a replacement thereof
c. Delayed Baggage we will pay up to the amount shown in the Schedule of Benefits on page 1 for every 24 hour period that you remain without your baggage, subject to proof of purchase for emergency purchases of essential items of clothing or requisites, and providing your baggage is certified by the carriers (or their handling agents) in writing to have been lost or misplaced on the outward journey for at least 24 hours from the time of arrival at the holiday destination, and a property irregularity report for airlines, and an incident report for tour operators or holiday companies obtained
Conditions applicable to Sections H1, H2 & H3 only
1. we reserve the right to repair, replace or pay the intrinsic value of any lost or damaged article
2. notwithstanding the above, the maximum payable in respect of:
i. any one article, pair or set is £300 (£100 for children/grandchildren)
ii. loss or damage to valuables is £300 (£100 for children/grandchildren) in total
iii. the maximum payment for any single article for which an original receipt, proof of purchase or insurance valuation (obtained prior to the loss) is not supplied is £50, subject to a maximum of £200 for all such items
iv. spectacles and prescription sunglasses is £75
3. any damaged article must be retained and made available to us for inspection
4. you must report any losses or theft of personal property to the police and obtain a written report you will not be able to make a claim under this section H1 should you fail to do so
5. all purchase receipts in respect of section H3 must be retained in support of a claim
6. you cannot claim under both sections H1 and H3 for the same loss

SECTION 11 WINTER SPORTS
Cover under this Section applies only when the appropriate Winter Sports Premium has been paid
We will pay up to:
1. Winter Sports Equipment:
i. £350 per person in respect of loss of or damage to Your Wintersports Equipment, or;
ii. £200 per person in respect of loss of or damage to hired Wintersports Equipment which occurs during the Period of Insurance and renders such equipment unusable.
If you own the Winter Sports Equipment, We will take off the following amounts for wear and tear:
Age of Winter Sports Equipment Deduction
Up to 1 year 10% of purchase price
1 to 2 years 30% of purchase price
2 to 3 years 50% of purchase price
3 to 4 years 70% of purchase price
4 to 5 years 80% of purchase price
2. Hired Winter Sport Equipment - £20 per person per day (subject to a maximum of £200 per person in all) in respect of hiring replacement skis or snowboard following loss or damage during the Period of Insurance which renders Your skis or snowboard unusable.
3. Ski Pack - £150 per person in respect of the proportionate, unused value of Your Ski Pack following:
i. Your accident or sickness (certified by a qualified Medical Practitioner at the time of the accident or sickness)
ii. Curtailment of Your Holiday for the reasons specified under Section 4
iii loss or theft of Your Ski Pack occurring during the Period of Insurance
4. Piste Closure - £20 per person per day (up to a maximum of £200 per person) in the event that You are unable to ski either as a result of lack of snow fall in Your pre-booked Holiday resort or on account of piste closure in Your pre-booked Holiday resort due to avalanche and in the absence of any reasonable or suitable alternative.
This benefit applies only:
(i) after You are unable to ski for twenty-four hours
(ii) where written confirmation is provided by Your tour operator
(iii) in respect of non-UK holidays.
5. Delay due to Avalanche - £200 per person for reasonable and necessary expenses incurred in the event that You become displaced from Your Holiday accommodation, or are restricted to the Holiday resort due to avalanche.
CONDITIONS APPLICABLE TO SECTION 11 ONLY
1. Cover under this Section applies only in respect of leisure travel/Holidays and not in respect of business travel or where You undertake Wintersports in a professional capacity.
2. Cover under this Section does not apply in respect of Your participation in mountaineering, ski-acrobatics, ski-flying, ski-mountaineering, ski-stunting,ski-jumping, ski randonne, use of skeletons, freestyle skiing, ice hockey, luging, off piste skiing in areas designated as unsafe by resort management, off-piste skiing where there is an avalanche warning in place, parapenting, ski bob racing, skidooing, ski racing or training, the use of bobsleighs, snow mobiling, tobogganing,heli-skiing or unsupervised off-piste skiing. Cover in respect of off-piste skiing applies only where You are accompanied by a suitably qualified guide.
3. Under Item 1 of the cover applicable under Section 11, the maximum amount payable in respect of any one article, pair or set is £100 per person (£200 per person in respect of skis).
4. You may not claim under this Section 11 and Section 9 in respect of the same loss or damage.
5. We reserve the right to repair or replace the items lost or damaged.
6. Any damaged ski equipment must be returned to the UK and made available for inspection.
EXCLUSIONS TO SECTION 11 ONLY
We will not provide cover in respect of:
1. cost of hire of Wintersports Equipment where the loss or breakage occurred prior to departure
2. loss or damage to Wintersports Equipment over five years old
3. loss of or damage to Wintersports Equipment where a more specific insurance is in force.
EXCLUSIONS APPLICABLE TO SECTIONS 9, 10 & 11 ONLY
Sections 9, 10, and 11 of this Insurance do not cover:
1. the first £35 per person or £70 per Family of each and every claim (separately in respect of Sections 9, 10, and 11) other than in respect of:
i. Children
ii. spectacles and prescription sunglasses
iii. items 2 and 4 of Section 11 where no excess applies
The maximum excess applicable where Personal Property and Personal Money are lost, stolen or damaged as a result of the same occurrence is £35 per person or £70 per Family per claim
2. loss or damage arising from delay, confiscation or detention by recognised officials or authorities
3. loss of or damage to stamps, documents, contact or corneal lenses, non-prescription sunglasses, hearing aids, dentures, false limbs or fragile articles (china, glass, sculpture and the like), antiques and mobile phones
4. business goods or samples, tools or motor accessories
5. normal wear and tear, denting, scratching, damage due to moths or vermin, gradual deterioration or mechanical or electrical breakdown
6. loss or damage whilst Your Personal Property (excluding Valuables) is in the custody of a transport company or other carrier unless reported immediately upon discovery, and a report obtained (in the case of an airline, a property irregularity report must be obtained and submitted to Us, along with airline tickets and baggage tags)
7. loss of Personal Property or Personal Money not reported to the Police (and the management if the loss occurs at Your holiday accommodation or on any part of the grounds) within twenty-four hours of discovery, and a Police report obtained
8. loss of or damage to Personal Property, Personal Money or Winter Sports Equipment left unattended by You in a public place other than in respect of skis left in an area designated for their storage where no secure facility exists
9. theft of Personal Property (Excluding Valuables) or Winter Sports Equipment from an unattended motor vehicle, unless left in the locked boot or locked glove compartment and there is evidence of violent, visible and forcible entry thereto
10. theft of Personal Property, Winter Sports Equipment or Personal Money from Your Holiday accommodation unless there is evidence of violent, visible and forcible entry thereto
11. theft of Personal Money and/or Valuables from an unattended motor vehicle
12. loss of or damage to Personal Property or Winter Sports Equipment whilst in the custody of a person other than those insured by this Policy
13. damage to suitcases, unless rendered unusable
14. damage to sports gear whilst in use
15. shortage due to errors, omissions, rates of exchange or depreciation in value
16. loss of travellers cheques not reported to the issuing authority or their agent within twenty-four hours of discovery of such loss
17. loss of or damage to Valuables or Personal Money whilst carried in a suitcase or similar receptacle
18. loss of Personal Money belonging solely to You whilst in the custody of another person, unless such Personal Money is deposited in a bank or safety deposit box
19. leakage of powder or liquid; any process of cleaning, restoring or repairing
20. claims relating to prams, buggies, wheelchairs, pedal cycles, motor vehicles, marine equipment, diving equipment, watercraft, surfboards or sports equipment.

SECTION N WINTER SPORTS
Cover under this Section applies only when the appropriate Winter Sports Premium has been paid
We will pay up to:
1. Winter Sports Equipment:
i. £350 per person in respect of loss of or damage to Your Wintersports Equipment, or;
ii. £200 per person in respect of loss of or damage to hired Wintersports Equipment which occurs during the Period of Insurance and renders such equipment unusable.
If you own the Winter Sports Equipment, We will take off the following amounts for wear and tear:
Age of Winter Sports Equipment Deduction
Up to 1 year 10% of purchase price
1 to 2 years 30% of purchase price
2 to 3 years 50% of purchase price
3 to 4 years 70% of purchase price
4 to 5 years 80% of purchase price
2. Hired Winter Sport Equipment - £20 per person per day (subject to a maximum of £200 per person in all) in respect of hiring replacement skis or snowboard following loss or damage during the Period of Insurance which renders Your skis or snowboard unusable.

SECTION N WINTER SPORTS
Cover under this Section applies only when the appropriate Winter Sports Premium has been paid
We will pay up to:
1. Winter Sports Equipment:
i. £350 per person in respect of loss of or damage to Your Wintersports Equipment, or;
ii. £200 per person in respect of loss of or damage to hired Wintersports Equipment which occurs during the Period of Insurance and renders such equipment unusable.
If you own the Winter Sports Equipment, We will take off the following amounts for wear and tear:
Age of Winter Sports Equipment Deduction
Up to 1 year 10% of purchase price
1 to 2 years 30% of purchase price
2 to 3 years 50% of purchase price
3 to 4 years 70% of purchase price
4 to 5 years 80% of purchase price
2. Hired Winter Sport Equipment - £20 per person per day (subject to a maximum of £200 per person in all) in respect of hiring replacement skis or snowboard following loss or damage during the Period of Insurance which renders Your skis or snowboard unusable.

SECTION N WINTER SPORTS
Cover under this Section applies only when the appropriate Winter Sports Premium has been paid
We will pay up to:
3. Ski Pack - £150 per person in respect of the proportionate, unused value of your ski pack following:
i. your accident or sickness (certified by a qualified medical practitioner at the time of the accident or sickness
ii. curtailment of your holiday for the reasons specified under section A
iii. loss or theft of your ski pack

SECTION N WINTER SPORTS
Cover under this Section applies only when the appropriate Winter Sports Premium has been paid
We will pay up to:
3. Ski Pack - £150 per person in respect of the proportionate, unused value of your ski pack following:
i. your accident or sickness (certified by a qualified medical practitioner at the time of the accident or sickness
ii. curtailment of your holiday for the reasons specified under section A
iii. loss or theft of your ski pack

SECTION N WINTER SPORTS
Cover under this Section applies only when the appropriate Winter Sports Premium has been paid
We will pay up to:
4. Piste Closure - £20 per person per day (up to a maximum of £200 per person) in the event that You are unable to ski either as a result of lack of snow fall in Your pre-booked Holiday resort or on account of piste closure in Your pre-booked Holiday resort due to avalanche and in the absence of any reasonable or suitable alternative.
This benefit applies only:
(i) after You are unable to ski for twenty-four hours
(ii) where written confirmation is provided by Your tour operator
(iii) in respect of non-UK holidays.

SECTION N WINTER SPORTS
Cover under this Section applies only when the appropriate Winter Sports Premium has been paid
We will pay up to:
4. Piste Closure - £20 per person per day (up to a maximum of £200 per person) in the event that You are unable to ski either as a result of lack of snow fall in Your pre-booked Holiday resort or on account of piste closure in Your pre-booked Holiday resort due to avalanche and in the absence of any reasonable or suitable alternative.
This benefit applies only:
(i) after You are unable to ski for twenty-four hours
(ii) where written confirmation is provided by Your tour operator
(iii) in respect of non-UK holidays.

SECTION N WINTER SPORTS
Cover under this Section applies only when the appropriate Winter Sports Premium has been paid
We will pay up to:
4. Piste Closure - £20 per person per day (up to a maximum of £200 per person) in the event that You are unable to ski either as a result of lack of snow fall in Your pre-booked Holiday resort or on account of piste closure in Your pre-booked Holiday resort due to avalanche and in the absence of any reasonable or suitable alternative.
This benefit applies only:
(i) after You are unable to ski for twenty-four hours
(ii) where written confirmation is provided by Your tour operator
(iii) in respect of non-UK holidays.

SECTION N WINTER SPORTS
Cover under this Section applies only when the appropriate Winter Sports Premium has been paid
We will pay up to:
5. Delay Due to Avalanche - £200 per person for reasonable and necessary expenses incurred in the event that you become displaced from your holiday accommodation, or are restricted to the holiday resort due to avalanche occurring during the period of insurance

SECTION N WINTER SPORTS
Cover under this Section applies only when the appropriate Winter Sports Premium has been paid
We will pay up to:
1. Winter Sports Equipment:
i. £350 per person in respect of loss of or damage to Your Wintersports Equipment, or;
ii. £200 per person in respect of loss of or damage to hired Wintersports Equipment which occurs during the Period of Insurance and renders such equipment unusable.
If you own the Winter Sports Equipment, We will take off the following amounts for wear and tear:
Age of Winter Sports Equipment Deduction
Up to 1 year 10% of purchase price
1 to 2 years 30% of purchase price
2 to 3 years 50% of purchase price
3 to 4 years 70% of purchase price
4 to 5 years 80% of purchase price

SECTION N WINTER SPORTS
Cover under this Section applies only when the appropriate Winter Sports Premium has been paid
We will pay up to:
1. Winter Sports Equipment:
i. £350 per person in respect of loss of or damage to Your Wintersports Equipment, or;
ii. £200 per person in respect of loss of or damage to hired Wintersports Equipment which occurs during the Period of Insurance and renders such equipment unusable.
If you own the Winter Sports Equipment, We will take off the following amounts for wear and tear:
Age of Winter Sports Equipment Deduction
Up to 1 year 10% of purchase price
1 to 2 years 30% of purchase price
2 to 3 years 50% of purchase price
3 to 4 years 70% of purchase price
4 to 5 years 80% of purchase price

We will pay up to the amount shown in the Summary in respect of loss of or damage to Your Personal Property which occurs during the Period of Insurance.
Cover does not apply on a new for old basis and is based on the value of the Property at the time of loss or damage.

SECTION H1, H2 & H3 PERSONAL PROPERTY, PASSPORT/DRIVING LICENCE INDEMNITY AND DELAYED BAGGAGE
What you Are Covered For:
a. Personal Property we will pay up to the amount in the Schedule of Benefits on page 1 in respect of loss or damage to your personal property which occurs during the period of insurance. Cover does not apply on a new for old basis and is based on the value of the property at the time of the loss or damage
b. Passport/Driving Licence Indemnity we will indemnify you up the amount shown on the Schedule of Benefits on page 1 in respect of essential additional travel and accommodation expenses necessarily incurred within one week prior to the holiday and during the period of the holiday outside your usual country of residence, in the event of your passport of driving licence being lost or stolen and as a result of obtaining a replacement thereof
c. Delayed Baggage we will pay up to the amount shown in the Schedule of Benefits on page 1 for every 24 hour period that you remain without your baggage, subject to proof
of purchase for emergency purchases of essential items of clothing or requisites, and providing your baggage is certified by the carriers (or their handling agents) in writing to
have been lost or misplaced on the outward journey for at least 24 hours from the time of arrival at the holiday destination, and a property irregularity report for airlines, and an incident report for tour operators or holiday companies obtained
Conditions applicable to Sections H1, H2 & H3 only
1. we reserve the right to repair, replace or pay the intrinsic value of any lost or damaged article
2. notwithstanding the above, the maximum payable in respect of:
i. any one article, pair or set is £300 (£100 for children/grandchildren)
ii. loss or damage to valuables is £300 (£100 for children/grandchildren) in total
iii. the maximum payment for any single article for which an original receipt, proof of purchase or insurance valuation (obtained prior to the loss) is not supplied is £50, subject to a maximum of £200 for all such items
iv. spectacles and prescription sunglasses is £75
3. any damaged article must be retained and made available to us for inspection
4. you must report any losses or theft of personal property to the police and obtain a written report you will not be able to make a claim under this section H1 should you fail to do so
5. all purchase receipts in respect of section H3 must be retained in support of a claim
6. you cannot claim under both sections H1 and H3 for the same loss
What you Are Not Covered For:
We will not pay for the following in connection with claims made under sections H1, H2 & H3:
1. the first £35 per person or £70 per family of each and every claim in respect section H1,other than for children/grandchildren and for spectacles and prescription sunglasses,where no excess applies
2. loss or damage in under sections H1 and H2 arising from delay, confiscation, or detention by recognised officials or authorities
3. loss or damage to stamps, documents, contact or corneal lenses, non-prescription sunglasses, hearing aids, dentures, false limbs or fragile articles (china, glass, sculpture and the like), antiques and mobile phones
4. business goods or samples, tools or motor accessories
5. normal wear and tear, denting, scratching, damage due to moths or vermin, gradual deterioration or mechanical or electrical breakdown
6. loss or damage whilst your personal property (excluding valuables) is in the custody of a transport company or other carrier unless reported immediately upon discovery, and a report obtained (in the case of an airline, a property irregularity report must be obtained and submitted to us, along with airline tickets and baggage tags)
7. loss of personal property not reported to the police (and the management if the loss occurs at your holiday accommodation or on any part of the grounds) within 24 hours of discovery, and a police report obtained
8. loss of or damage to personal property left unattended by you in a public place
9. theft of personal property (excluding valuables) from an unattended motor vehicle, unless left in the locked boot or locked glove compartment and there is evidence of violent, visible and forcible entry thereto
10. theft of personal property from your holiday accommodation unless there is evidence of violent, visible and forcible entry thereto
11. loss or damage to personal property whilst in the custody of a person other than those insured by this policy
12. theft of valuables from an unattended motor vehicle
13. damage to suitcases, unless rendered unusable
14. loss, destruction or damage, in respect of section H2, not reported to the consular representatives of the relevant issuing country within 24 hours of discovery of the loss, and a written report obtained
15. damage to sports equipment whilst in use
16. loss of or damage to valuables whilst carried in a suitcase or similar receptacle
17. leakage of powder or liquid, any process of cleaning, restoring or repairing
18. claims relating to prams, buggies, wheelchairs, pedal cycles, motor vehicles, marine equipment, diving equipment, watercraft, surfboards or sports equipment

SECTION H1, H2 & H3 PERSONAL PROPERTY, PASSPORT/DRIVING LICENCE INDEMNITY AND DELAYED BAGGAGE
What you Are Covered For:
a. Personal Property we will pay up to the amount in the Schedule of Benefits on page 1 in respect of loss or damage to your personal property which occurs during the period of insurance. Cover does not apply on a new for old basis and is based on the value of the property at the time of the loss or damage
b. Passport/Driving Licence Indemnity we will indemnify you up the amount shown on the Schedule of Benefits on page 1 in respect of essential additional travel and accommodation expenses necessarily incurred within one week prior to the holiday and during the period of the holiday outside your usual country of residence, in the event of your passport of driving licence being lost or stolen and as a result of obtaining a replacement thereof
c. Delayed Baggage we will pay up to the amount shown in the Schedule of Benefits on page 1 for every 24 hour period that you remain without your baggage, subject to proof
of purchase for emergency purchases of essential items of clothing or requisites, and providing your baggage is certified by the carriers (or their handling agents) in writing to
have been lost or misplaced on the outward journey for at least 24 hours from the time of arrival at the holiday destination, and a property irregularity report for airlines, and an incident report for tour operators or holiday companies obtained
Conditions applicable to Sections H1, H2 & H3 only
1. we reserve the right to repair, replace or pay the intrinsic value of any lost or damaged article
2. notwithstanding the above, the maximum payable in respect of:
i. any one article, pair or set is £300 (£100 for children/grandchildren)
ii. loss or damage to valuables is £300 (£100 for children/grandchildren) in total
iii. the maximum payment for any single article for which an original receipt, proof of purchase or insurance valuation (obtained prior to the loss) is not supplied is £50, subject to a maximum of £200 for all such items
iv. spectacles and prescription sunglasses is £75
3. any damaged article must be retained and made available to us for inspection
4. you must report any losses or theft of personal property to the police and obtain a written report you will not be able to make a claim under this section H1 should you fail to do so
5. all purchase receipts in respect of section H3 must be retained in support of a claim
6. you cannot claim under both sections H1 and H3 for the same loss
What you Are Not Covered For:
We will not pay for the following in connection with claims made under sections H1, H2 & H3:
1. the first £35 per person or £70 per family of each and every claim in respect section H1,other than for children/grandchildren and for spectacles and prescription sunglasses,where no excess applies
2. loss or damage in under sections H1 and H2 arising from delay, confiscation, or detention by recognised officials or authorities
3. loss or damage to stamps, documents, contact or corneal lenses, non-prescription sunglasses, hearing aids, dentures, false limbs or fragile articles (china, glass, sculpture and the like), antiques and mobile phones
4. business goods or samples, tools or motor accessories
5. normal wear and tear, denting, scratching, damage due to moths or vermin, gradual deterioration or mechanical or electrical breakdown
6. loss or damage whilst your personal property (excluding valuables) is in the custody of a transport company or other carrier unless reported immediately upon discovery, and a report obtained (in the case of an airline, a property irregularity report must be obtained and submitted to us, along with airline tickets and baggage tags)
7. loss of personal property not reported to the police (and the management if the loss occurs at your holiday accommodation or on any part of the grounds) within 24 hours of discovery, and a police report obtained
8. loss of or damage to personal property left unattended by you in a public place
9. theft of personal property (excluding valuables) from an unattended motor vehicle, unless left in the locked boot or locked glove compartment and there is evidence of violent, visible and forcible entry thereto
10. theft of personal property from your holiday accommodation unless there is evidence of violent, visible and forcible entry thereto
11. loss or damage to personal property whilst in the custody of a person other than those insured by this policy
12. theft of valuables from an unattended motor vehicle
13. damage to suitcases, unless rendered unusable
14. loss, destruction or damage, in respect of section H2, not reported to the consular representatives of the relevant issuing country within 24 hours of discovery of the loss, and a written report obtained
15. damage to sports equipment whilst in use
16. loss of or damage to valuables whilst carried in a suitcase or similar receptacle
17. leakage of powder or liquid, any process of cleaning, restoring or repairing
18. claims relating to prams, buggies, wheelchairs, pedal cycles, motor vehicles, marine equipment, diving equipment, watercraft, surfboards or sports equipment

SECTION A LOSS OF DEPOSIT, CANCELLATION OR CURTAILMENT
We will pay up to the appropriate amount stated in the Summary in the event that You shall sustain pecuniary loss in respect of:
i. irrecoverable deposits, payments and contractual obligations including those for pre-paid excursions and unused travel and accommodation, for which You contracted prior to the commencement of the holiday, and
ii. additional accommodation and additional costs of returning to Home where the Holiday is necessarily and unavoidably cancelled or Curtailed due to:
a. the death, injury or illness as certified by a registered medical practitioner of:
i. You, the Insured Person, or
ii. the person with whom You are travelling or had arranged to travel, or
iii. Your Close Relative or Close Business Colleague or that of the person with whom You are travelling or had arranged to travel, or
iv. the person with whom You have made arrangements for the provision of Holiday accommodation where Your Holiday involves staying in such persons home and is dependent upon such persons well being
b. Your, (or that of the person with whom You are travelling or had arranged to travel):
i. requirement to attend Jury Service or Your attendance under a subpoena as a witness at a Court of Law
ii compulsory redundancy which qualifies for payment under current redundancy legislation
iii. compulsory quarantine restriction
c. fire, theft, storm, flood or damage occurring within fourteen days prior to the commencement of the Holiday and during the Holiday at Your Home or place of business in Your usual country of residence, or that of the person with whom You are travelling or had arranged to travel, where Your/their presence is required either by the Police or the Insurers of Your/their main residence or place of business
d.Your Occupational Postings not known of or contemplated at the time You pay Your premium, or those of the person with whom You are travelling or had arranged to travel, or the unexpected cancellation of previously agreed leave arising from unavoidable and necessary duty for Ambulance Service, Coastguard, Fire Brigade or Police Personel.
CONDITIONS APPLICABLE TO SECTION 4 ONLY
1. Any event which may give rise to a cancellation claim under this Section must be notified to the hotel or holiday establishment, or tour operator or travel/booking agent within a maximum of seventy-two hours of such event.
2. You may not claim under this Section 4 and Sections 2 and/or 3 in respect of the same expenses.
3. Cover for cancellation is limited to the amount shown in the Summary, less insurance premiums paid.
4. In respect of Curtailment claims:
i. travel must be limited to the same class as that originally booked
ii. the amount shown in the Summary is limited in respect of unused accommodation to the proportionate amount of the total contracted Holiday cost for each day of the Holiday foregone
iii. prior to Curtailment of the Holiday due to medical reasons, it is a condition that a Doctors certificate must be obtained to confirm the necessity to Curtail the Holiday.
EXCLUSIONS APPLICABLE TO SECTION 4 ONLY
Section 4 of the Insurance does not cover:
1. the first £35 per person or £70 per Family of each and every claim, other than:
i. claims for loss of deposit only, where an excess of £15 per person or £70 per Family applies
ii. claims made in respect of Children, where no excess applies
iii. all claims arising from a medical condition where an excess of £50 per person or £100 per Family applies
2. government regulations (other than in respect of compulsory quarantine) or currency restriction or act
3. omission or default of the provider of transport or accommodation or of the agent through whom the Holiday/travel arrangements were made
4. Your disinclination to travel or financial circumstances or that/those of the person with whom You are booked to travel, or on whom the Holiday plans depend (arising other than from loss of employment due to compulsory redundancy, provided that such redundancy arises after employment has been on a continuous and full time basis with the same employer for at least twelve months)
5. Holiday arrangements not honoured by Your employer, or the employer of the person with whom You have booked to travel, other than as provided for by Sub-sections
4a(iii) and 4d
6. Your late arrival at the airport or port after checking in or booking in time
7. Your loss of enjoyment of the Trip, however caused
8. failure to obtain the relevant passport or visa
9. return to Your Home if You do not possess return tickets already
10. if You become aware of any circumstances which may cause You to cancel Your Holiday, We will only be liable for the cancellation charges which would have
applied if You notify the Holiday provider within seventy-two hours.

SECTION J MISSED DEPARTURE
What you Are Covered For:
We will pay 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 for your return trip to your resident country (within the UK) or the last departure point for your return trip to your resident country too late to board your booked flight, train or sailing, as a result of the following:
i. scheduled public transport services failing to get you to your destination in time due to strike, industrial action, severe weather conditions or mechanical breakdown, or
ii. the private motor vehicle in which you were travelling suffering from a mechanical breakdown or failure, or
iii. the private motor vehicle in which you were travelling being directly involved in a road traffic accident, which resulted in mechanical breakdown or failure provided always that
a) you have taken every reasonable step to complete the journey to the departure point on time
b) you are able to provide documentary evidence from a recognised garage or recovery service as to the cause and effect of an accident or mechanical failure
Conditions applicable to Section J only
1. you shall be entitled to only one of the benefits shown in this section per outward or homebound journey undertaken, subject always to the sums shown in the Schedule of
Benefits which shall apply in all, and not per journey
2. it is a condition of this section that you shall take all reasonable steps to continue with the holiday/travel plans once the original occurrence giving rise to the delay is diminished or otherwise rectified
What you Are Not Covered For:
We will not pay for the following in connection with claims made under section J:
1. delay or disruption which occurs after the departure of the aircraft, sea vessel, Eurotunnel train or public transport in which you have arranged to travel
2. claims arising from your failure to check in according to the itinerary supplied to you (other than as provided for in the Missed Departure section above)
3. claims where you fail to obtain written confirmation from the carriers (or their handling agents) of the number of hours delay and the reason for such delay
4. claims arising from strike and industrial action existing or notified by intention at the date this insurance is purchased, or trip is booked, whichever is the later
5. claims for disrupted travel or delayed arrival
6. your disinclination to travel
7. 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

SECTION D1 & D2 TRAVEL DELAY AND HOLIDAY ABANDONMENT
What you Are Covered For:
1. If the departure of the aircraft, sea vessel, Eurotunnel train or public transport in which you have arranged to travel either to or from the holiday destination is delayed for at least 12 hours from the time specified in the official travel itinerary supplied to you as a direct result of:
-strike or industrial action
-severe weather conditions
-mechanical breakdown or derangement of such aircraft, sea vessel, Eurotunnel train or public transport
We will pay up to the appropriate amount stated in the Schedule of Benefits on page 1 for either:
a. Holiday Abandonment (on the outbound journey only) your pecuniary loss in respect of irrecoverable charges for unused travel and accommodation for which you contracted prior to the commencement of the holiday, if, after 12 hours, you elect to abandon the whole travel itinerary, or
b. Delayed Travel Benefit an amount of £25 for the first completed twelve hour period of delay in departure, commencing from the original booked time specified in the official itinerary supplied to you and a further £25 after each subsequent 12 hour period of delay up to a maximum of £100
2. Alternatively, in respect of self drive holidays the benefits described in D1(a) and D1(b) shown above will become payable if you are delayed for at least 12 hours from travelling in your own vehicle either to or from the self drive holiday destination specified in the booking confirmation supplied to you due to:
a) severe weather, or
b) accidental damage to the self-driven vehicle, including towed caravans, that occurs en route to the self-drive destination and where repairs cannot be effected within 12 hours of the accident
What you Are Not Covered For:
We will not pay the following in addition to the general exclusions on pages 6 & 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:
1. If the departure of the aircraft, sea vessel, Eurotunnel train or public transport in which you have arranged to travel either to or from the holiday destination is delayed for at least 12 hours from the time specified in the official travel itinerary supplied to you as a direct result of:
-strike or industrial action
-severe weather conditions
-mechanical breakdown or derangement of such aircraft, sea vessel, Eurotunnel train or public transport
We will pay up to the appropriate amount stated in the Schedule of Benefits on page 1 for either:
a. Holiday Abandonment (on the outbound journey only) your pecuniary loss in respect of irrecoverable charges for unused travel and accommodation for which you contracted prior to the commencement of the holiday, if, after 12 hours, you elect to abandon the whole travel itinerary, or
b. Delayed Travel Benefit an amount of £25 for the first completed twelve hour period of delay in departure, commencing from the original booked time specified in the official itinerary supplied to you and a further £25 after each subsequent 12 hour period of delay up to a maximum of £100
2. Alternatively, in respect of self drive holidays the benefits described in D1(a) and D1(b) shown above will become payable if you are delayed for at least 12 hours from travelling in your own vehicle either to or from the self drive holiday destination specified in the booking confirmation supplied to you due to:
a) severe weather, or
b) accidental damage to the self-driven vehicle, including towed caravans, that occurs en route to the self-drive destination and where repairs cannot be effected within 12 hours of the accident
What you Are Not Covered For:
We will not pay the following in addition to the general exclusions on pages 6 & 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 14 PERSONAL LIABILITY
What you Are Covered For:
We will indemnify you up to the amount shown in the Schedule of Benefits on page 1 (inclusive of costs) in respect of your legal liability arising from accidental bodily injury to third parties or accidental loss of or damage to third party property occurring during the period of insurance In the event of your death we will, in respect of the liability incurred by you, indemnify your personal representatives in the terms of and subject to the limitations of this section, provided that such personal representatives shall act as though they were you and observe, fulfil and be subject to the terms, exclusions and conditions of this section insofar as they apply
What you Are Not Covered For:
We will not pay for the following in connection with claims made under section F:
1. anything in General Exclusions Which Apply To All Sections Of The Insurance
2. the first £200 of each and every claim in respect of loss or damage to temporary holiday accommodation
3. 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
4. damage to property belonging to, or in the care, custody or control of your family or a person in your service
5. any liability arising out of or incidental to any profession, occupation, or business
6. any liability which has been assumed under contract and would not otherwise have attached
7. any liability, injury, loss or damage arising directly or indirectly from or due to ownership, possession or use of:
a) any motorised or mechanical vehicles including any attached trailers or caravans
b) any aircraft (whatsoever)
c) any watercraft or vessel (other than manually propelled watercraft or vessels) or any other form of motorised leisure equipment
8. any liability arising out of ownership, occupation, possession, or use of any land or building (other than occupation only of any temporary residence)
9. 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
10. any liability arising in respect of any wilful or criminal act or assault
11. any liability arising in any country in which you own premises, or are resident
12. 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 M CATASTROPHE BENEFIT
We will pay up to the amount stated in the Summary in respect of irrecoverable travel or accommodation costs necessarily incurred by You in order to continue with Your Holiday, in the event You are forced to move from Your pre-booked accommodation as a result of fire, lightning, explosion, earthquake, storm, tempest, hurricane, flood, medical epidemic or local Government directive which occurs during the Trip (and is confirmed in writing by the appropriate local or national authority). If the Holiday cannot be continued, We will pay for Your return to Home, subject to the amount stated in the Summary. In the event that benefit under this Section becomes payable and it is necessary to do so, We will arrange for Global Response or Global Excel Management to transfer to You, to the nearest practical location, any benefit that has accrued up to the amount stated in the Summary. Such transfer will only be available once in respect of each claim.
EXCLUSIONS TO SECTION M ONLY
We will not cover claims arising from:
1. Your decision not to remain in Your booked accommodation when official directives from local authorities state that it is acceptable to do so
2. any costs or expenses payable by or recoverable from the tour operator, airline, hotel or other provider of services.

WHAT TO DO IN THE CASE OF MEDICAL EMERGENCY
The emergency assistance provided for You by this Insurance is operated by Global Response and Global Excel Management Incorporated.
In the event of any illness, injury, accident or hospitalisation involving anyone insured under this Policy in the USA, Canada, Caribbean or Mexico You must notify Global Excel Management irrespective of anticipated costs. They will direct You to an appropriate medical facility and may be able to guarantee costs on Your behalf. When contacting Primary Assist please state that your insurance is provided by UK Underwriting Ltd and quoting the reference number: 02656

CONDITIONS WHICH APPLY TO ALL SECTIONS OF THIS INSURANCE
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 a 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. Written notice of any event which may give rise to a claim shall be given to us (or our claims service) as soon as practicable, and in any event no later than 31 days after the incident giving rise to the loss. All documents, certificates and evidence required in support of a claim, including items being claimed for if required by us, shall be produced by you, and at your expense.
3. Except with our written consent, no person is entitled to admit liability on our behalf or give any representation or other undertakings binding upon us. We shall be entitled to conduct all proceedings arising out of or in connection with claims in your name, and to instruct solicitors of our own choice for this purpose.
4. The due observance and fulfilment of all the terms and conditions of this insurance by you, or anyone acting on your behalf, insofar as they relate to anything to be done or complied with by you, or anyone acting on your behalf, shall be a condition precedent to our liability to make any payment under this insurance.
5. No refund of premium is allowed (other than in respect of the premium refund guarantee) once the insurance has been effected. In the event that your holiday dates are revised to a date within three months of the original holiday, we may, at our discretion, agree to transfer the insurance.
6. You must exercise due care and attention at all times for the safety of your property and take all reasonable steps to prevent accident, loss or damage.
7. Our liability shall be conditional upon the observance by you of the terms and conditions of this insurance and the truth and completeness of the statements and answers supplied by you and on your behalf. If a claim is in any respect false or if any fraudulent means or devices are used by you or anyone acting on your behalf to obtain benefits from this insurance, all benefits under this insurance shall be forfeited and no return of premium shall be due.
8. If at the time of any loss, damage, or liability arising under this insurance there is any other insurance covering the same loss, damage or liability, we will pay only our rateable proportion.
9. You may not transfer your interest in this insurance.
10. Each insured person shall be deemed to be insured separately, with the exception of children/grandchildren unless travelling with an insured adult.
11. Our total liability shall not exceed the respective sums stated in the Schedule of Benefits.
12. You shall submit to medical examination at your expense, except post mortem which we reserve the right to have undertaken at our own expense.
13. We may, at our 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 us.
14. This policy may be rescinded or cancelled without the consent of a third party.
15. Costs will be limited to those that would have been incurred if you were a resident of the UK.
16. If you have to make a claim, you must notify us as above as soon as practicable after the incident giving rise to the claim, and in any event no later than 31 days after this insurance expires. We will reserve the right to decline liability for any claim notified after this date.