Direct Travel Option 3

Section 1 - Medical emergency, repatriation and associated expenses
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, Direct Travel Insurance Assistance must be told immediately - see under the heading '24-hour medical emergency, repatriation and travel assistance service, legal advice and expenses cover' for more information.
WHAT YOU ARE COVERED FOR
We will pay you or your legal representatives for the following necessary emergency expenses which you incur either for a journey within six months of the incident or for a one-way trip within the first 17 days of arriving at your final destination outside your home country and Great Britain during your journey or one-way trip:
1 Up to £5,000,000 for reasonable fees or charges you incur for:
a) medical, surgical, hospital, repatriation or nursing services;
b) rescue services to take you to hospital;
c) reasonable extra transport and accommodation costs for you and any one person who stays or travels with you or to you from the United Kingdom on medical advice;
d) reasonable search, mountain rescue and other costs to transport you to a hospital by land, sea or air using an air or road ambulance if necessary; or
e) 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 Great Britain or your home country.
2 £10 for each 24-hour period that you are in hospital as an inpatient, up to £500 in total, during the journey or one-way trip as well as any fees or charges paid under sub section 1.
3 Up to £200 for emergency dental treatment to relieve sudden pain.
4 Up to £200 for the cost of excursions which have been pre-paid or which you are contracted to pay before your journey or one-way trip begins, which you are unable to join because you are in hospital or have to stay in bed on the written advice of the doctor who treated you in the place where you were staying and which you cannot recover from anywhere else.
WHAT YOU ARE NOT COVERED FOR
1 Any claim if you are unable to comply with the Insurance conditions relating to health(on page 7).
2 Extra transport and accommodation costs which are of a higher standard to those already used on your journey or one-way trip, unless we or Direct Travel Insurance Assistance agree.
Under sub sections 1 and 3 only;
1 The excess shown on your policy schedule per insured person for each and every claim they make, for each section claimed for unless:
a) you used a European Health Insurance Card (EHIC) or any other reciprocal health arrangement;
b) you contacted Direct Travel Insurance Assistance in the United States of America before you had any medical treatment there; or
c) a maximum of two excesses are applicable (see Policy excesses on page 7).
2 The cost of replacing any medication you were using when you began your journey or one-way trip.
Under sub section 1 only;
1 Services or treatments you receive which the doctor in attendance and Direct Travel Insurance Assistance think can wait until you get back to Great Britain or your home country.
2 Inpatient treatment or repatriation which Direct Travel Insurance Assistance has not authorised.
3 The extra costs of having a single or private room in a hospital or nursing home.
4 The cost of all treatment which is not directly related to the illness or injury that caused the claim.
5 Any expenses which are not usual, reasonable or customary to treat your accident, bodily injury or illness.
Under sub paragraph 1e) only;
Your burial or cremation within Great Britain or your home country.
Under sub section 3 only;
1 Replacing or repairing false teeth or artificial teeth (such as crowns).
2 Dental work involving the use of precious metals.
YOU ARE NOT COVERED FOR ANYTHING MENTIONED IN THE GENERAL EXCLUSIONS.
SPECIAL CONDITION RELATING TO CLAIMS
In the event of your injury or illness we reserve the right to relocate you from one hospital to another and/or arrange for your repatriation to the United Kingdom at any time during the journey.
We will do this if in the opinion of the doctor in attendance or Direct Travel Insurance Assistance you can be moved safely and/or travel safely to the United Kingdom to continue treatment.

Section 2 - Personal accident
WHAT YOU ARE COVERED FOR
We will pay one of the benefits shown below if you sustain a bodily injury which shall solely and independently of any other cause, result within two years in your death, loss of limbs, loss of sight or permanent total disablement.
    Age  Age
    under 19 19 to 36
1 Death    £1,000  £5,000
2 Loss of sight or loss of limbs £15,000  £15,000
3 Permanent total disablement £15,000  £15,000
If you are 16 or over and the adult premium has been paid, benefit 1 for death will be £5,000.
WHAT YOU ARE NOT COVERED FOR
1 Benefit is not payable to you:
a) under more than one of items 1, 2 or 3;
b) under item 3 until one year after the date you sustain a bodily injury;
c) under item 3 if you are able or may be able to carry out any gainful employment or gainful occupation of any kind.
2 Anything caused by:
a) any bodily injury that you suffer before your journey or one-way trip begins;
b) your sickness, disease, physical or mental condition that is gradually getting worse.
YOU ARE NOT COVERED FOR ANYTHING MENTIONED IN THE GENERAL EXCLUSIONS.

Section 1 - Medical emergency, repatriation and associated expenses
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, Direct Travel Insurance Assistance must be told immediately - see under the heading '24-hour medical emergency, repatriation and travel assistance service, legal advice and expenses cover' for more information.
WHAT YOU ARE COVERED FOR
We will pay you or your legal representatives for the following necessary emergency expenses which you incur either for a journey within six months of the incident or for a one-way trip within the first 17 days of arriving at your final destination outside your home country and Great Britain during your journey or one-way trip:
1 Up to £5,000,000 for reasonable fees or charges you incur for:
a) medical, surgical, hospital, repatriation or nursing services;
b) rescue services to take you to hospital;
c) reasonable extra transport and accommodation costs for you and any one person who stays or travels with you or to you from the United Kingdom on medical advice;
d) reasonable search, mountain rescue and other costs to transport you to a hospital by land, sea or air using an air or road ambulance if necessary; or
e) 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 Great Britain or your home country.
2 £10 for each 24-hour period that you are in hospital as an inpatient, up to £500 in total, during the journey or one-way trip as well as any fees or charges paid under sub section 1.

Section 1 - Medical emergency, repatriation and associated expenses
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, AXA Assistance must be told immediately - see under the heading '24-hour medical emergency, repatriation and travel assistance service, legal advice and expenses cover' for more information.
WHAT YOU ARE COVERED FOR
We will pay you or your legal representatives for the following necessary emergency expenses which you incur either for a journey within six months of the incident or for a one-way trip within the first 17 days of arriving at your final destination outside your home country and Great Britain during your journey or one-way trip:
3 Up to £200 for emergency dental treatment to relieve sudden pain.

Section 1 - Medical emergency, repatriation and associated expenses
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, AXA Assistance must be told immediately - see under the heading '24-hour medical emergency, repatriation and travel assistance service, legal advice and expenses cover' for more information.
WHAT YOU ARE COVERED FOR
We will pay you or your legal representatives for the following necessary emergency expenses which you incur either for a journey within six months of the incident or for a one-way trip within the first 17 days of arriving at your final destination outside your home country and Great Britain during your journey or one-way trip:
1 Up to £5,000,000 for reasonable fees or charges you incur for:
e) 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 Great Britain or your home country.

Section 1 - Medical emergency, repatriation and associated expenses
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, AXA Assistance must be told immediately - see under the heading '24-hour medical emergency, repatriation and travel assistance service, legal advice and expenses cover' for more information.
WHAT YOU ARE COVERED FOR
We will pay you or your legal representatives for the following necessary emergency expenses which you incur either for a journey within six months of the incident or for a one-way trip within the first 17 days of arriving at your final destination outside your home country and Great Britain during your journey or one-way trip:
1 Up to £5,000,000 for reasonable fees or charges you incur for:
e) 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 Great Britain or your home country.

Section 7 - Personal money
Please note that you will not be covered for more than £150 in cash carried on your person (£75 if you are under 19 unless you are 16 or over and the adult premium has been paid).We highly recommend the use of travellers cheques whenever possible.
WHAT YOU ARE COVERED FOR
Up to £500 in total for loss or theft of your personal money while on your journey or one-way trip.
WHAT YOU ARE NOT COVERED FOR
1 An excess of the amount shown on your policy schedule per insured person for each and every claim they make, for each section claimed under and each incident claimed for unless a maximum of two excesses are applicable (see Policy excesses on page 7).
2 More than £150 in cash in total while on you (£75 if you are under 19 at the beginning of your journey or one-way trip unless you are 16 or over and the adult premium has been paid), whether jointly owned or not.
3 Any claim unless you can provide a receipt showing the amount of currency you purchased.
4 Loss or theft of personal money, unless it is on you all the time, locked in a safe or safety deposit box (if one is available) or locked in the accommodation you are using on your journey or one-way trip.
5 Loss of theft to personal money unless you have notified the police within 24 hours of discovering the loss or theft and you have a report from them.
6 Loss caused by a reduction in exchange rates or shortage caused by mistakes in exchanging currency.
7 Loss or theft of travellers cheques if the place which supplied them to you provides a replacement service.
8 Travel tickets paid for using any airline mileage or supermarket reward scheme.
YOU ARE NOT COVERED FOR ANYTHING MENTIONED IN THE GENERAL EXCLUSIONS.

Section 5 - Legal advice and expenses cover
WHAT YOU ARE COVERED FOR
We will pay up to £25,000 for the legal costs of a civil action for compensation if someone else causes you injury or death during your journey or one-way trip.
If there are two or more of you insured by this policy, the most we will pay for all claims will be £50,000.
You must tell us about claims within 90 days. Please refer to page 11 for full details of how to make a claim.
WHAT YOU ARE NOT COVERED FOR
1 Any claims where our legal representatives believe that an action is not likely to be successful or if we believe that the costs will be greater than any award.
2 Claims against a carrier or the travel or holiday agent or tour operator arranging an overseas journey or one-way trip covered by this insurance, or against us, Direct Travel Insurance Assistance or their agents.
3 Claims against someone you are travelling with or another person insured under this policy.
4 Legal action where, in our opinion the estimated amount of compensation is less than £1,000 (but we will try to reach a settlement).
5 Legal costs for actions in more than one country.
6 Lawyers fees if your action is successful.
7 Legal consultation which you have not paid for.
8 Legal costs or expenses before we accept your claim in writing.
9 Claims by you other than in your capacity as a private individual.
10 Claims that happen in the United Kingdom or your home country.
YOU ARE NOT COVERED FOR ANYTHING MENTIONED IN THE GENERAL EXCLUSIONS.
SPECIAL CONDITION RELATING TO CLAIMS
We will supervise any legal action through agents we nominate, and will decide when negotiations cannot usefully continue. After that, no other claims can be made against us.

Section 4 - Loss of passport
WHAT YOU ARE COVERED FOR
Up to £250 in total towards the reasonable costs of extra travel and accommodation expenses you have to pay to get a replacement passport (including the cost of the temporary replacement passport itself), driving licence or green card if it is lost, stolen or destroyed on your journey or one-way trip.
WHAT YOU ARE NOT COVERED FOR
Any claim unless:
1 you get a letter from the Consulate you reported the loss to; and
2 your passport or driving licence is on you all the time, locked in a safe or safety deposit box (if one is available) or locked in the accommodation you are using on your journey or one-way trip.
YOU ARE NOT COVERED FOR ANYTHING MENTIONED IN THE GENERAL EXCLUSIONS.

Section 4 - Loss of passport
WHAT YOU ARE COVERED FOR
Up to £250 in total towards the reasonable costs of extra travel and accommodation expenses you have to pay to get a replacement passport (including the cost of the temporary replacement passport itself), driving licence or green card if it is lost, stolen or destroyed on your journey or one-way trip.
WHAT YOU ARE NOT COVERED FOR
Any claim unless:
1 you get a letter from the Consulate you reported the loss to; and
2 your passport or driving licence is on you all the time, locked in a safe or safety deposit box (if one is available) or locked in the accommodation you are using on your journey or one-way trip.
YOU ARE NOT COVERED FOR ANYTHING MENTIONED IN THE GENERAL EXCLUSIONS.

Permissible UK return - You will be allowed to make a single return trip to the United Kingdom with a maximum duration of 14 days during the period of insurance (excluding any return trip for which a claim is being made as a result of medical emergency, repatriation or curtailment).

ESSENTIAL COVER
Medical emergency, repatriation and associated expenses
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, Direct Travel Insurance Assistance must be told immediately - see under the heading '24-hour medical emergency, repatriation and travel assistance service, legal advice and expenses cover' for more information.
WHAT YOU ARE COVERED FOR
We will pay you or your legal representatives for the following necessary emergency expenses which you incur either for a journey within six months of the incident or for a one-way trip within the first 17 days of arriving at your final destination outside your home country and Great Britain during your journey or one-way trip:
1 Up to £5,000,000 for reasonable fees or charges you incur for:
a) medical, surgical, hospital, repatriation or nursing services;

Special conditions relating to claims
It will be our decision whether to replace your items or to pay the cost of either repairing your items or replacing your items less an amount for wear, tear and loss of value.

Section 6 - Personal possessions and delayed baggage
WHAT YOU ARE COVERED FOR
1 Up to £1,500 in total for your personal possessions if damaged, stolen, lost or destroyed on your journey or one-way trip.
2 We will pay up to £100 in total for essential replacement items, if your personal possessions are lost or stolen on your outward journey for more than 12 hours from the time you arrived at your destination.
WHAT YOU ARE NOT COVERED FOR
1 Loss or theft of, or damage to:
a) personal possessions unless they are on you all the time, locked in the accommodation you are using on your journey or one-way trip or contained out of sight in a secure baggage area and evidence exists of a forced and violent entry by an unauthorised person;
b) valuables left unattended at any time unless deposited in a hotel safe, safety deposit box or left in your locked accommodation;
c) personal possessions that happens while you are travelling unless you have notified the carrier and you have a property irregularity report from them;
d) contact or corneal lenses, false teeth, dentures or artificial teeth (such as crowns);
e) goods which deteriorate, glass or ceramic containers, bottles or cartons, and any damage caused by these items or their contents;
f) films, tapes, cassettes, cartridges or discs (unless they were pre-recorded, in which case we will pay up to the replacement cost);
g) pedal cycles, wheelchairs, prams, pushchairs or baby buggies except while they are being carried by public transport;
h) bonds, share certificates, guarantees or documents of any kind.
2 Loss or theft to personal possessions unless you have notified the police within 24 hours of discovering the loss or theft and you have a report from them.
3 Breakage of or damage to;
a) sports equipment while it is being used;
b) fragile articles, works of art, musical instruments, audio, video, television, computer, computer games, fax, phone, portable satellite and scuba diving equipment unless the breakage or damage is caused by fire or accident to the aircraft, sea vessel or vehicle in which they are being carried.
4 Loss or damage due to the climate, wear and tear, reduction in value, moths or vermin.
Under Sub section 1;
1 The excess shown on your policy schedule per insured person for each and every claim they make, for each section claimed under and each incident claimed for unless a maximum of two excesses are applicable (see Policy excesses on page 7).
2 More than £200 for any single article, pair or set of any kind, whether jointly owned or not.
3 More than the part of the pair or set that is stolen, lost or destroyed, unless the items cannot be used separately or cannot be replaced individually.
4 More than £200 in total, for valuables.
Under Sub section 2 only;
Compensation unless you get a letter from the public transport provider showing the length of the delay in getting your personal possessions to you.
SPECIAL CONDITIONS RELATING TO CLAIMS
Under sub section 1;
1 It will be our decision whether to replace your items or to pay the cost of either repairing your items or replacing your items less an amount for wear, tear and loss of value.
2 You must send us the receipts for anything that you buy.
Under sub section 2;
3 For all claims for loss, damage or theft you will need to send us the original receipts or other suitable evidence of purchase or ownership. In the event that original receipts, evidence of purchase or ownership are not available, we reserve the right to reduce the amount of any claims payment.
4 We will take any amount we pay from the final claim settlement if the items are permanently lost.

Section 6 - Personal possessions and delayed baggage
WHAT YOU ARE COVERED FOR
1 Up to £1,500 in total for your personal possessions if damaged, stolen, lost or destroyed on your journey or one-way trip.
2 We will pay up to £100 in total for essential replacement items, if your personal possessions are lost or stolen on your outward journey for more than 12 hours from the time you arrived at your destination.
WHAT YOU ARE NOT COVERED FOR
1 Loss or theft of, or damage to:
a) personal possessions unless they are on you all the time, locked in the accommodation you are using on your journey or one-way trip or contained out of sight in a secure baggage area and evidence exists of a forced and violent entry by an unauthorised person;
b) valuables left unattended at any time unless deposited in a hotel safe, safety deposit box or left in your locked accommodation;
c) personal possessions that happens while you are travelling unless you have notified the carrier and you have a property irregularity report from them;
d) contact or corneal lenses, false teeth, dentures or artificial teeth (such as crowns);
e) goods which deteriorate, glass or ceramic containers, bottles or cartons, and any damage caused by these items or their contents;
f) films, tapes, cassettes, cartridges or discs (unless they were pre-recorded, in which case we will pay up to the replacement cost);
g) pedal cycles, wheelchairs, prams, pushchairs or baby buggies except while they are being carried by public transport;
h) bonds, share certificates, guarantees or documents of any kind.
2 Loss or theft to personal possessions unless you have notified the police within 24 hours of discovering the loss or theft and you have a report from them.
3 Breakage of or damage to;
a) sports equipment while it is being used;
b) fragile articles, works of art, musical instruments, audio, video, television, computer, computer games, fax, phone, portable satellite and scuba diving equipment unless the breakage or damage is caused by fire or accident to the aircraft, sea vessel or vehicle in which they are being carried.
4 Loss or damage due to the climate, wear and tear, reduction in value, moths or vermin.
Under Sub section 1;
1 The excess shown on your policy schedule per insured person for each and every claim they make, for each section claimed under and each incident claimed for unless a maximum of two excesses are applicable (see Policy excesses on page 7).
2 More than £200 for any single article, pair or set of any kind, whether jointly owned or not.
3 More than the part of the pair or set that is stolen, lost or destroyed, unless the items cannot be used separately or cannot be replaced individually.
4 More than £200 in total, for valuables.
Under Sub section 2 only;
Compensation unless you get a letter from the public transport provider showing the length of the delay in getting your personal possessions to you.
SPECIAL CONDITIONS RELATING TO CLAIMS
Under sub section 1;
1 It will be our decision whether to replace your items or to pay the cost of either repairing your items or replacing your items less an amount for wear, tear and loss of value.
2 You must send us the receipts for anything that you buy.
Under sub section 2;
3 For all claims for loss, damage or theft you will need to send us the original receipts or other suitable evidence of purchase or ownership. In the event that original receipts, evidence of purchase or ownership are not available, we reserve the right to reduce the amount of any claims payment.
4 We will take any amount we pay from the final claim settlement if the items are permanently lost.

Section 8 - Cancellation or curtailment charges
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, Direct Travel Insurance Assistance must be told immediately - see under the heading '24-hour medical emergency, repatriation and travel assistance service, legal advice and expenses cover' for more information.
WHAT YOU ARE COVERED FOR
We will pay up to £2,000 in total for your part of the costs of the journey or one-way trip for unused personal accommodation, transport charges and other pre-paid charges which have been paid or where there is a contract to pay before your journey or one-way trip begins, which cannot be recovered from anywhere else.
We will provide this cover in the following necessary circumstances:
1 If you cancel your journey or one-way trip before it begins because one of the following happens after the start date of your policy and the date your travel tickets or confirmation of
booking were issued:
a) The death, serious injury or serious illness of you, a close relative, someone you are travelling with or a friend you were going to stay with;
b) You or someone you are travelling with is called for jury service in the United Kingdom or as a witness in a court in the United Kingdom;
c) You or someone you are travelling with 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 United Kingdom;
d) Your redundancy.
e) The Foreign and Commonwealth Office advise against all but essential travel to your intended destination and you cannot recover the costs from anywhere else.
2 You cut your journey short (curtail it) after it has begun because of one of the following:
a) 1a), b), or c) above;
b) You are injured or ill and are in hospital for the rest of your journey; or
c) Severe weather in the United Kingdom stops you from making it to your departure point where your journey from the United Kingdom to your destination begins.
d) Your passport is lost or stolen after checking in at your departure point and this prevents you from making your outward journey from the United Kingdom.
WHAT YOU ARE NOT COVERED FOR
1 Any claim if you are unable to comply with the 'Insurance conditions relating to health' (on page 7).
2 An excess of the amount shown on your policy schedule per insured person for each and every claim they make, for each section claimed under and each incident claimed for unless:
a) you are only claiming for your lost deposit and the excess is limited to £10;
b) a maximum of two excesses are applicable (see 'Policy excesses' on page 7).
3 Claims arising from you suffering from stress, anxiety, depression or any other mental or nervous disorder unless it has been investigated and diagnosed as such by a consultant specialising in the relevant field.
4 Any costs when you do not get a medical certificate from your doctor to say it was necessary to cancel because of death, injury or illness.
5 Circumstances known to you prior to the date this insurance is effected by you or the time of booking any journey or one-way trip (whichever is the earlier) which could reasonably have been expected to give rise to the cancellation or curtailment of the journey or one-way trip.
6 Anything caused by the death of any pet or animal.
Under sub section 1 only;
1 Cancellation because of pregnancy or childbirth, where you are expected to give birth within 12 weeks of the end of the journey or one-way trip (unless this was confirmed after the start date of your policy and the date your travel tickets or confirmation of booking were issued and is medically necessary).
2 Any extra cancellation charges incurred 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.
3 Travel tickets paid for using any airline mileage or supermarket reward scheme.
Under sub paragraph 1d) only;
Redundancy caused by or resulting from misconduct leading to dismissal or from resignation or voluntary redundancy or where a warning or notification of redundancy was given prior to the date this insurance is effected by you or the time of booking any trip (whichever is the earlier).
Under sub section 2 only;
1 Cutting short your journey unless Direct Travel Insurance Assistance has agreed.
2 Cutting short your journey because of pregnancy or childbirth, where you are expected to give birth within 12 weeks of the end of the journey.
3 The cost of your original pre-booked tickets if you have not used them and we have paid extra transport costs.
4 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. Direct Travel Insurance Assistance's doctor must have agreed with the reason and that you were fit to travel.
5 Anything on a one-way trip.
SPECIAL CONDITIONS RELATING TO CLAIMS
1 We will calculate curtailment claims from the day you start your return to the United Kingdom or the day you are hospitalised as an inpatient, for the rest of your journey.
2 We will pay personal accommodation and extra travel expenses based on each 24-hour period you have lost.
3 If we pay extra transport costs in the event of your repatriation, your unused travel tickets will then belong to us.

Section 9 - Missed departure
WHAT YOU ARE COVERED FOR
We will pay you up to £500 in total for extra accommodation and transport costs which you have to pay to get to your journey or one-way trip destination or back home if you do not get to the departure point by the time shown in your travel itinerary (plans) because:
1 public transport does not run to its timetable;
2 the vehicle you are travelling in has an accident or breaks down; or
3 an accident or breakdown occurring ahead of you on a motorway or dual carriage way which causes an unexpected delay to the vehicle in which you are travelling.
WHAT YOU ARE NOT COVERED FOR
1 Any journey or one-way trip within the United Kingdom not involving a sea crossing.
2 Failure of public transport caused by 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.
3 Any claim unless:
a) you get a letter from the public transport provider (if this applies) confirming that the service did not run on time;
b) you get confirmation of the delay from the authority who went to the accident or breakdown (if this applies) affecting the private vehicle you were travelling in; and
c) you have allowed time in your travel plans for delays which are to be expected.
YOU ARE NOT COVERED FOR ANYTHING MENTIONED IN THE GENERAL EXCLUSIONS.

Section 10 - Delayed departure or abandonment
WHAT YOU ARE COVERED FOR
If the public transport you are booked on is delayed at its departure point by more than 12 hours from the time shown in your travel itinerary (plans) because of:
1 a serious fire, storm or flood damage to the departure point;
2 industrial action;
3 bad weather;
4 mechanical breakdown of the public transport; or
5 the grounding of an aircraft due to a mechanical or a structural defect.
We will pay:
1 £10 after the first full 12 hours of delay and £10 after each extra delay of 12 hours up to £100 compensation in total; or
2 up to £2,000 in total for your part of the costs of the journey or one-way trip which have been paid or where there is a contract to pay before the start of the journey or one-way trip which you cannot recover from anywhere else if, after you have been delayed for more than 12 hours, you decide to abandon the journey or one-way trip before you leave the United Kingdom.
WHAT YOU ARE NOT COVERED FOR
1 Anything which is caused by you not checking in at the departure point when you should have done.
2 Missed connections.
3 Any journey or one-way trip within the United Kingdom not involving a sea crossing.
4 Compensation unless you get a letter from the public transport provider giving the reason for the delay and showing the scheduled departure time and the actual departure time of the public transport.
5 Any delay caused by riot, civil commotion, strike or industrial action which began or was announced before the start date of your policy or at the time of booking any journey or one-way trip.
6 Travel tickets paid for using any airline mileage or supermarket reward scheme.
Under sub section 2 only;
An excess of the amount shown on your policy schedule per insured person for each and every claim they make, for each section claimed under and each incident claimed for unless a maximum of two excesses are applicable (see 'Policy excesses' on page 7).
YOU ARE NOT COVERED FOR ANYTHING MENTIONED IN THE GENERAL EXCLUSIONS.

Section 10 - Delayed departure or abandonment
WHAT YOU ARE COVERED FOR
If the public transport you are booked on is delayed at its departure point by more than 12 hours from the time shown in your travel itinerary (plans) because of:
1 a serious fire, storm or flood damage to the departure point;
2 industrial action;
3 bad weather;
4 mechanical breakdown of the public transport; or
5 the grounding of an aircraft due to a mechanical or a structural defect.
We will pay:
1 £10 after the first full 12 hours of delay and £10 after each extra delay of 12 hours up to £100 compensation in total; or
2 up to £2,000 in total for your part of the costs of the journey or one-way trip which have been paid or where there is a contract to pay before the start of the journey or one-way trip which you cannot recover from anywhere else if, after you have been delayed for more than 12 hours, you decide to abandon the journey or one-way trip before you leave the United Kingdom.
WHAT YOU ARE NOT COVERED FOR
1 Anything which is caused by you not checking in at the departure point when you should have done.
2 Missed connections.
3 Any journey or one-way trip within the United Kingdom not involving a sea crossing.
4 Compensation unless you get a letter from the public transport provider giving the reason for the delay and showing the scheduled departure time and the actual departure time of the public transport.
5 Any delay caused by riot, civil commotion, strike or industrial action which began or was announced before the start date of your policy or at the time of booking any journey or one-way trip.
6 Travel tickets paid for using any airline mileage or supermarket reward scheme.
Under sub section 2 only;
An excess of the amount shown on your policy schedule per insured person for each and every claim they make, for each section claimed under and each incident claimed for unless a maximum of two excesses are applicable (see 'Policy excesses' on page 7).
YOU ARE NOT COVERED FOR ANYTHING MENTIONED IN THE GENERAL EXCLUSIONS.

Section 3 - Personal liability
If you are hiring a motorised or mechanical vehicle while you are on your journey or one-way trip, please ensure you obtain the necessary insurance from the hire company. Personal liability cover for motorised or mechanical vehicles is not covered under this section of your policy.
WHAT YOU ARE COVERED FOR
We will pay up to £2,000,000 (plus any other costs we agree to in writing) against any amount that you are legally liable to pay as compensation for any claim or series of claims arising from any one event or source of original cause that occurs during your journey or one-way trip, and which results in one of the following:
1 Bodily injury of any person;
2 Loss of or damage to property which you do not own and you or a close relative have not hired, loaned or borrowed; or
3 Loss of or damage to the accommodation you are using on your journey or one-way trip that does not belong to you or a close relative.
WHAT YOU ARE NOT COVERED FOR
1 Any liability for bodily injury or loss of or damage to property that comes under any of the following categories:
a) Something which is suffered by anyone employed by you or a close relative and is caused by the work they are employed to do;
b) Something which is caused by something you deliberately did or did not do;
c) Something which is caused by your employment or a close relatives employment;
d) Something which you agree to take responsibility for which you would not otherwise have been responsible for; or
e) The transmission of any communicable disease or virus.
2 Any liability for bodily injury suffered by you or a close relative.
3 Anything caused directly or indirectly by bodily injury, loss, accident or damage arising from you owning, possessing or using any aircraft; animal-drawn, mechanical or motorised vehicles and any trailers attached to them; bicycles; watercraft (except rowing boats, punts or canoes); animals (except horses, domestic dogs or cats); firearms or weapons; or any land or building except for the accommodation you are using on your journey or one-way trip.
4 An excess of £100 for each and every claim per section claimed under for each insured person unless a maximum of two excesses are applicable (see Policy excesses on page 7).
YOU ARE NOT COVERED FOR ANYTHING MENTIONED IN THE GENERAL EXCLUSIONS.

Sports and hazardous activities
Please note that to ensure your cover is not affected, you must use appropriate and recommended safety equipment on all occasions whilst participating in any sports or hazardous activities.
During the period of insurance, you will be covered for the following amateur sports and hazardous activities:
Badminton, Bamboo Rafting (up to grade 2 rivers, with adequate safety equipment), Banana Boating, Baseball, Basket Ball, Beach Games, Bouldering (using crash pads where appropriate), Bowls, Bungee Jumping (under adequate supervision), Canoeing (up to grade 2 rivers), Climbing (on a climbing wall only), Cricket, Deep Sea Fishing, Dragon Boat Racing, Elephant Riding/Trekking (professionally organised with experienced handlers), Fell Running/Walking, Fishing, Flying (as a fare paying passenger), Glass Bottom Boats/Bubbles, Gliding (as passenger only), Golf, Gorilla Trekking (organised), Gymnastics, Heptathlon, High Level Walking, Hiking, Horse Riding/Trekking/Hacking (non-competitive), Hot Air Ballooning (organized pleasure rides), Hydro Zorbing, Javelin, Jogging, Kayaking (up to grade 2 rivers), Marathon Running, Mountain Boarding (with protective clothing), Netball, Orienteering, Parasailing, Parascending (over water), Passenger Sledge, Pony Trekking, Racing on Foot, Racquetball, Rambling, Ringos, River Tubing, Rounders, Rowing (except racing), Running, Safari on Foot (with a guide), Safari in a Vehicle (with a guide), Scuba Diving, Sea Canoeing/Kayaking (within sight of land), Sledging pulled by a Horse/Reindeer, Snorkeling, Soft Ball, Squash, Swimming, Sydney Harbour Bridge Walking (using ropes and strapped to a guide), Table Tennis, Tennis, Tenpin Bowling, Tree Top Canopy Walking (with adequate safety measures in place), Trekking, Tug of War, Via Ferrate, Volley Ball, Walking, Water Polo, White Water Rafting (within organisation's guidelines), Zorbing (non-winter sports).
During the period of insurance, the following amateur sports and hazardous activities can be covered, excluding cover under the Personal liability section:
Abseiling (under adequate supervision), Archery, Blowcarting, Camel Riding, Catamaran, Clay Pigeon Shooting, Cycling, Dinghy Sailing, Go Carting (under adequate supervision), Inline Skating (wearing pads and helmets), Jet Boating (no cover for racing), Jet Skiing (no cover for racing), Kite Buggying, Kite Surfing (over land), Kite Surfing (over water), Motor Cycling (with UK licence), Mountain Biking (except downhill racing or extreme terrain), Paint Balling (with eye protection), Power Boating (noncompetitive, no cover for damage to vessel), Quad Biking, Rap Running/ Jumping (within organistions guidelines), Rifle Range, Roller Skating (wearing helmet and pads), Sail Boarding, Sailing, Sand Yachting, Shooting (within organisation's guidelines), Skateboarding (wearing pads and helmets), Small Bore Target Shooting, Surfing, Wake Boarding, War Games (with eye protection), Water Skiing, Windsurfing, Yachting.
During the period of insurance, you can be covered for the following amateur sports and hazardous activities, subject to payment of an additional premium to Direct Travel Insurance:
American Football, Black Water Rafting (life jacket and helmet must be worn), Canoeing (grade 3 rivers), Canyoning (life jacket and helmet must be worn), Caving, Dry Slope Skiing, Hang Gliding, Hockey, Kayaking (grade 3 rivers), Lacrosse, Paragliding/Parapenting/Paraponting over land (must be tandemed with a qualified instructor at all times), Polo, Pot Holing, Rock Climbing (maximum HVS grade, organised and taking adequate safety precautions including ropes), Rock Scrambling (taking adequate safety precautions), Rugby Football, Sand Dune Surfing/Skiing, Shark Diving (in a cage), Soccer, Street Hockey (wearing pads and helmets), Summer Toboganning, Triathlon (non-professional).
During the period of insurance, you can be covered for the following amateur sports and hazardous activities, excluding cover under the Personal liability section and subject to payment of an additional premium to Direct Travel Insurance:
Cycle Racing (non-professional), Fencing, Flying (as a non-fare paying passenger, pilot or trainee pilot in an aircraft), Horse Riding in Competitions (non-professional).
If you wish to participate in any other activities, including winter sports, please telephone 01903 812345 for advice. You will not be covered for participation in any activity not listed above or if the additional premium has not been paid where appropriate.

General exclusions
1 We will not cover you for any loss, injury, damage, illness, death or legal liability arising directly or indirectly from, or consisting of, the following:
a) Any circumstance that you knew about before you travelled that could give rise to a claim unless we agreed to it in writing.
b) War, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, terrorism, revolution, insurrection, civil commotion assuming the proportions of or
amounting to an uprising, military or usurped power but this exclusion shall not apply to losses under Sections 2, 6 and 13 unless such losses are caused by nuclear, chemical or biological attack, or the
disturbances were already taking place at the beginning of any journey or one-way trip.
c) Your travel to a country or specific area or event to which the Foreign and Commonwealth Office, World Health Organisation or any other official authority, has advised the public not to travel to.
d) Your property being held, taken, destroyed or damaged under the order of any government or customs officials.
e) Winter sports:
i) Premier Plus or Senior Citizens single trip cover - unless the extra premium has been paid and this is shown on the policy schedule;
ii) Premier, Premier Plus and Senior Citizens annual multi-trip cover - for more than 17 days for each journey during the period of cover;
iii) Standard cover - any winter sports.
f) Ionising radiation or radioactive contamination from nuclear fuel or nuclear waste or any risk from nuclear equipment.
g) Any currency exchange rate changes.
h) The failure or fear of failure or inability of any equipment or any computer program, whether or not you own it, to recognise or to correctly interpret or process any date as the true or correct date, or to continue
to function correctly beyond that date (except under Sections 2 and 6).
2 Anything caused by:
a) riot, civil commotion, strike or lock out;
b) you travelling in an aircraft (except as a passenger in a fully-licensed, passenger-carrying aircraft) unless any necessary extra premium has been paid for this cover;
c) your suicide, self-inflicted injury or deliberately putting yourself at risk (unless you were trying to save another person's life);
d) you being under the influence of drugs (except those prescribed by a registered doctor but not for the treatment of drug addiction);
e) the direct or indirect effect of you using alcohol or solvents;
f) you travelling on a motorcycle over 125cc, unless the rider holds a valid licence which lets them ride a motorcycle of more than 125cc;
g) anything caused by you taking part in manual or medical work, unless we agree in writing;
h) you taking part in any dangerous activity (unless any necessary extra premium has been paid for this cover); or
i) pregnancy or childbirth, where you are expected to give birth within 12 weeks of the end of the journey or one-way trip.
3 Any loss caused as a direct or indirect result of anything you are claiming for, unless it says differently in the policy.
4 Consequential loss of any kind (for example the replacement of locks following loss of keys).
5 You will not be covered for any expenses incurred as a result of a tropical disease where you have not had the recommended inoculations and/or taken recommended medication.
6 You are not covered under this policy for any trip in, to or through the following countries: Afghanistan, Cuba, Liberia or Sudan.
7 No cover is provided for claims resulting from you travelling to a specific country or to an area where the Foreign and Commonwealth Office have advised against all but essential travel.
8 You are not covered under this policy if you are on any official government or police database of suspected or actual terrorists, members of terrorist organisations, drug traffickers or illegal suppliers of nuclear, chemical or biological weapons.

General exclusions
1 We will not cover you for any loss, injury, damage, illness, death or legal liability arising directly or indirectly from, or consisting of, the following:
h) The failure or fear of failure or inability of any equipment or any computer program, whether or not you own it, to recognise or to correctly interpret or process any date as the true or correct date, or to continue to function correctly beyond that date (except under the sections 'Medical emergency repatriation and travel assistance service' and 'Personal Accident').

Claims conditions
You must comply with the following conditions to have the full protection of your policy.
If you do not comply we may at our option cancel the policy or refuse to deal with your claim or reduce the amount of any claim payment.
1 a) You must not act in a fraudulent way. This includes if you or anyone acting for you:
i) makes a claim under the policy knowing that the claim is false or fraudulently exaggerated in any way;
ii) makes a statement to support a claim knowing that the statement is false in any way;
iii) sends us a document to support a claim knowing that the document is forged or false in any way;
iv) makes a claim for any loss or damage caused by your deliberate act or with your encouragement.
b) If you act in a fraudulent way, we will:
i) not pay the claim;
ii) not pay any other claim which has been made, or will be made under the policy;
iii) confirm that the policy is not valid;
iv) be entitled to recover from you the amount of any claim we have already paid under the policy;
v) not return the premium; and
vi) tell the police.
2 If at the time of any incident which results in a claim under this policy, there is another insurance covering the same loss, damage, expense or liability we will not pay more than our proportional share (not applicable to 'Personal accident' section). Note: If you have a no claims discount (NCD) on your household insurance policy, any recovery we make from your household insurer should not prejudice the NCD.
3 You get a medical certificate from the doctor who treated you when a claim is made for medical reasons. In the event of your death, we would need to see the death certificate and any other necessary documents.
4 You must send us every writ, summons or other communication relevant to claim as soon as possible.
Under pack 2 sections only;
1 You must keep all your tickets and luggage tags.
2 If something is lost or stolen, you must tell the police as soon as possible (but within 24 hours of discovering the loss) and get a report from them. If items are lost, damaged or stolen you should also get a report from your tour operator's representative or your hotel or apartment manager if this is appropriate. If the loss, damage or theft happens while you are travelling, you must tell the carriers and get a property irregularity report from them.
3 You must get an estimate for repair for all damage claims. If possible, you should keep the damaged items so that we can inspect them and if we make a payment or we replace an item, the item will then belong to us.
4 You must keep to the carrier's conditions of carriage.
We have the right to do the following:
1 Obtain information from your medical records (with your permission) to help us or our representatives deal with any claim. We may also disclose information in respect of any claims made under your policy to Direct Travel Insurance. We will not give personal information about you to any other person or organisation without your specific agreement.
2 In the event of you suffering an accident, injury or illness we reserve the right to relocate you from one hospital to another and/or arrange for your repatriation to the United Kingdom at any time during the journey or one-way trip. We will do this if in the opinion of the doctor in attendance or Direct Travel Insurance Assistance you can be moved safely and/or travel safely to the United Kingdom to continue treatment.
3 Not accept liability if you refuse to be repatriated.
4 Take over and deal with, in your name, any claim you make under this policy.
5 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.
6 Pay any claim on this policy under English Law. Any legal disputes will be dealt with in an English court, unless you reside in Scotland, Northern Ireland or the Isle of Man, in which case the law applicable to that jurisdiction will apply and its courts will have exclusive jurisdiction.
7 Cancel this policy without refunding your premium if your journey or one-way trip is cancelled or cut short.
Special conditions relating to claims:
For all the sections shown below, the excess is limited to twice the amount of excess shown on your policy schedule, where one claim relates to two or more members of the same family covered by this policy and living at the same address or where one incident results in you claiming under two or more sections:
Essential cover - Medical emergency, repatriation and associated expenses;
Pack 1 - Cancellation and curtailment and Delayed departure sub section 2;
Pack 2 - Personal possessions and Personal money

General conditions
We will act in good faith in all our dealings with you.
You must comply with the following conditions to have the full protection of your policy.
If you do not comply we may at our option cancel the policy or refuse to deal with your claim or reduce the amount of any claim payment
1 You have a valid policy schedule.
2 You are not 37 or over at the start date of the policy.
3 You must take and cause to be taken:
a) all reasonable precautions to avoid injury, illness or disease for example by using appropriate and customary safety equipment on all occasions whilst participating in any sports or hazardous activities;
b) all practicable steps to safeguard your property from loss, theft or damage and to recover property that has been lost or stolen.
4 You accept that no alterations to the terms and conditions of the policy apply, unless we or Direct Travel Insurance confirm them in writing.
5 You accept that we will not extend the period of cover for a journey if the original policy (plus any extensions) has either ended, been in force for more than 18 months, or you know that you will be making a claim.
6 You accept that when booking a one-way trip:
a) we will not give curtailment cover;
b) medical emergency, repatriation and associated expenses will only cover fees or charges incurred within the first 17 days of arriving at your final destination; and
c) repatriation, if necessary, would be to the United Kingdom only.
7 You accept that we will not extend the period of cover for a journey if the original policy (plus any extensions) has either ended, been in force for more than 12 months, or you know you will be making a claim.

WHAT YOU ARE NOT COVERED FOR
Under sub sections 1 and 3 only;
1 An excess of the amount shown on your policy schedule for each incident claimed for under this section, unless your claim is reduced because:
a) you used an E111 form (within one of the European Union countries listed on the back of the form) or any other reciprocal health arrangement;