Direct Travel Senior Citizen Ski

You must comply with the following conditions to make sure your cover is not affected.
If you do not comply with these conditions 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 will not be covered for claims relating to:
a) any pre-existing medical condition that you have at the time of taking out this policy unless you have telephoned Direct Travel Insurance on 01903 817417 and they have agreed to provide cover;
b) any medical condition for which you have received a terminal prognosis;
c) any medical condition for which you are on a waiting list;
d) any medical condition for which you know you need surgery or treatment;
e) any medical condition for which you are awaiting the results from any tests or investigations;
f) pregnancy if you are expected to give birth before, during or within twelve weeks of the end of the journey trip;
g) any travel against the advice of your doctor or travel that would be against the advice of your doctor and his/her advice;
h) travel with the intention or knowledge of obtaining medical treatment (including surgery or investigation) or advice outside of Great Britain;
2. You will not be covered for any circumstances that you are aware of at the time of purchasing this policy if you they could reasonably be expected to give rise to a claim.
3. If your health changes after the start date of your policy and the date your travel tickets or confirmation of booking were issued, you must phone Direct Travel Insurance on 01903 817417 to make sure your cover is not affected. Please note that your doctor's decision that you are well enough to undertake your journey or one-way trip does not ensure that be covered. Please telephone 01903 817417 if you have any such concerns regarding your fitness to travel. In the rare event that we are no longer able to provide cover, we will refund you with the unused portion of your premium unless are making a claim.
You should also refer to the general exclusions.

Medical emergency, repatriation and associated expenses - Section 2
If you are taken into hospital or you think you may have to come home early or extend your journey because of illness or accident, 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.
1 Outside your home country and Great Britain during your journey or one-way trip:
a) Up to £10,000,000 for reasonable fees or charges you incur for:
i) medical, surgical, hospital, repatriation or nursing services;
ii) rescue services to take you to hospital;
iii) 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;
iv) 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
v) 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.
b) As well as any fees or charges paid under Sub paragraph 1a), we will also pay up to the following amount for each 24-hour period that you are in hospital as an inpatient during the journey or one-way trip:
Standard cover £15 up to £1,000 in total
Premier cover £20 up to £1,000 in total
Premier Plus and Senior Citizens cover £25 up to £2,000 in total
c) For emergency dental treatment to relieve sudden pain:
Standard cover £200
Premier cover £200
Premier Plus and Senior Citizens cover £500
d) Up to the following amount 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:
Standard cover £200
Premier cover £200
Premier Plus and Senior Citizens cover £300
2 Within your home country and Great Britain during your journey or one-way trip:
Up to the following amount:
Standard cover £500
Premier cover £750
Premier Plus and Senior Citizens cover £750
a) for reasonable extra transport and accommodation costs for you and any one person who stays or travels with you or to you from within the United Kingdom on medical advice; and
b) for the reasonable cost of transporting your ashes or body home.
What you are not covered for
1 Any claim if you are unable to comply with our Insurance conditions relating to health (on page 9).
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 paragraphs 1a), 1c) and Sub section 2 only;
1 The excess shown on page 9 per insured person for each and every claim they make, for each section claimed for unless:
a) your claim is reduced because:
i) you used a European Health Insurance Card (EHIC) or any other reciprocal health arrangement;
ii) you contacted Direct Travel Insurance Assistance in the United States of America before you had any medical treatment there.
b) the extra premium has been paid to cancel excesses and this is shown on the policy schedule.
c) a maximum of two excesses are applicable (see 'Policy excesses' on page 9).
2 The cost of replacing any medication you were using when you began your journey or one-way trip.
Under Sub paragraph 1a) only;
1 Services or treatments you receive within Great Britain or your home country except for claims payable under Section 17.
2 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.
3 Inpatient treatment or repatriation which Direct Travel Insurance Assistance has not authorised.
4 The extra costs of having a single or private room in a hospital or nursing home.
5 The cost of all treatment which is not directly related to the illness or injury that caused the claim.
6 Any expenses which are not usual, reasonable or customary to treat your accident, bodily injury or illness.
Under Sub paragraph 1a v) only;
Your burial or cremation within Great Britain or your home country.
Under Sub paragraph 1c) 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 on page 35.
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 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.
What to do if you need to claim
- 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.
- All receipts and bills must be kept.

Personal accident Section 6
What you are covered for
We will pay one of the following benefits 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:
1. For death:      Age under 19   Age 19 to 65   Age 66 to 75
Standard cover     £1,000     £5,000     N/A
Premier cover      £2,500     £10,000    N/A
Premier Plus cover     £3,000     £30,000    N/A
Senior Citizens Cover     £3,000     £30,000    £3,000
2. For loss of sight or Loss of limbs
Standard cover     £15,000    £15,000    N/A
Premier cover      £30,000    £30,000    N/A
Premier Plus cover     £75,000    £75,000    N/A
Senior Citizens Cover     £75,000    £75,000    £75,000
3. For permanent total disablement
Standard cover     £15,000    £15,000    N/A
Premier cover      £30,000    £30,000    N/A
Premier Plus cover     £75,000    £75,000    N/A
Senior Citizens Cover     £75,000    £75,000    N/A
If you are 16 or over and the adult premium has been paid, benefit for death will be
Standard cover    £5,000
Premier cover      £10,000
Premier Plus cover     £30,000
Senior Citizens cover     £30,000
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 on page 32.

The following is stated under the Medical Expenses section.
£25 for each 24-hour period that you are in hospital as an in-patient up to £2,000 in total during the journey or one-way trip as well as any fees or charges paid under 1a.

Physiotherapy - Section 16
What you are covered for
We will pay up to £350 for fees you have to pay to a physiotherapist for continuation of treatment on your return to the United Kingdom if you sustain an injury on your journey as a result of winter sports.
What you are not covered for
1. Any claim if you are unable to comply with our Insurance conditions relating to health (on page 10).
2. The cost of all treatment which is not directly related to the injury that caused the claim.
3. Any expenses which are not usual, reasonable or customary to treat your injury.
You are not covered for anything mentioned in the General exclusions on page 32.

Under the Medical Expenses section the following is covered;
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.

Under the Medical Expenses section the following is covered;
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.

Personal and business money - Section 4
You are not covered under this section if the discounted premium has been paid and this is shown on your policy schedule. Where cover is in place, please note that you will not be covered for more than £200 for
Standard cover or £250 for Premier or £350 for both Premier Plus and Senior Citizens cover in cash carried on your person (£100, £125 or £175 respectively if you are under 19 unless you are 16 or over and the adult premium has been paid). We highly recommend the use of traveller's cheques whenever possible.
What you are covered for
1 Up to £500 in total for loss or theft of your personal and business money while on your journey or one-way trip.
What you are not covered for
1 The excess shown on page 9 per insured person for each and every claim they make, for each section claimed under and each incident claimed for unless:
a) the extra premium has been paid to cancel excesses and this is shown on the policy schedule;
b) a maximum of two excesses are applicable (see 'Policy excesses' on page 9).
2 More than the following amount, in cash in total while on you (this amount will be halved 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:
Standard cover £200
Premier cover £250
Premier Plus and Senior Citizens cover £350
3 Any claim unless you can provide a receipt showing the amount of currency you purchased.
4 Loss or theft of personal and business 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 caused by a reduction in exchange rates or shortage caused by mistakes in exchanging currency.
6 Loss or theft of traveller's cheques if the place where you obtained them provides a replacement service.
7 Travel tickets paid for using any airline mileage reward scheme or supermarket reward scheme.
You are not covered for anything mentioned in the General exclusions on page 35.
What to do if you need to claim
- You must tell the police as soon as possible (but within 24 hours of discovering the loss) and get a report from them. You should also get a report from your tour operator's representative or hotel or apartment manager if this is appropriate.
- You will need to provide a receipt showing the amount of currency you purchased.

Legal advice and expenses cover - Section 10
What you are covered for
We will pay up to £50,000 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 £100,000.
You must tell us about claims within 90 days. Please refer to page 8 for full details of how to make a claim.
What you are not covered for
1 Claims where our legal representatives belive that an action is not likely to successful or if we believe that the costs will be greater than any reward.
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 on page 35.
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.

Loss of passport - Section 5
What you are covered for
Up to the following amount, in total, towards the reasonable costs of extra travel and accommodation expenses incurred necessarily abroad that 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:
Standard cover £250
Premier cover £300
Premier Plus and Senior Citizens cover £500
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 on page 35.
What to do if you need to claim
- If your passport is lost, stolen or destroyed we need a letter confirming this from the Consulate you reported the loss to. Make sure you keep all receipts for the cost of getting a replacement passport.

Hijack or mugging - Section 13
Premier Plus and Senior Citizens policies only
What you are covered for
1 We will pay £100 for each full 24-hour period, up to a maximum of £1,000, if you cannot reach your journey or one-way trip destination as a result of being hijacked.
2 We will pay the following compensation if, because of a mugging that occurs during your journey or oneway trip, you receive a bodily injury and need medical treatment whilst abroad:
a) a total of £100 if you are treated as an outpatient, or admitted to a registered hospital as an inpatient for a period of up to 24 hours; and
b) a total of £50 for each additional 24-hour period that you remain in a registered hospital as an inpatient, up to a maximum of £1,000 (in addition to any emergency expenses payable under Section 2 of this policy).
What you are not covered for
Under Sub section 1;
Compensation unless you have a letter from the airline or carrier confirming the delay.
Under Sub section 2;
Any compensation unless you have made a report to the police within 24 hours of the incident.
Under Sub paragraph 2b);
Any compensation unless you obtain confirmation of your injuries, and the period of inpatient treatment that you received, from the hospital abroad.
You are not covered for anything mentioned in the General exclusions on page 35.
What to do if you need to claim
- For hijack, obtain a letter from the airline or carrier confirming the delay.
- You must report a mugging to the police as soon as possible but within 24 hours of the incident.
- If you are mugged, you must obtain confirmation of your injuries and the duration of any inpatient treatment that you received from the hospital abroad.

Hijack or mugging - Section 13
Premier Plus and Senior Citizens policies only
What you are covered for
1 We will pay £100 for each full 24-hour period, up to a maximum of £1,000, if you cannot reach your journey or one-way trip destination as a result of being hijacked.
2 We will pay the following compensation if, because of a mugging that occurs during your journey or oneway trip, you receive a bodily injury and need medical treatment whilst abroad:
a) a total of £100 if you are treated as an outpatient, or admitted to a registered hospital as an inpatient for a period of up to 24 hours; and
b) a total of £50 for each additional 24-hour period that you remain in a registered hospital as an inpatient, up to a maximum of £1,000 (in addition to any emergency expenses payable under Section 2 of this policy).
What you are not covered for
Under Sub section 1;
Compensation unless you have a letter from the airline or carrier confirming the delay.
Under Sub section 2;
Any compensation unless you have made a report to the police within 24 hours of the incident.
Under Sub paragraph 2b);
Any compensation unless you obtain confirmation of your injuries, and the period of inpatient treatment that you received, from the hospital abroad.
You are not covered for anything mentioned in the General exclusions on page 35.
What to do if you need to claim
- For hijack, obtain a letter from the airline or carrier confirming the delay.
- You must report a mugging to the police as soon as possible but within 24 hours of the incident.
- If you are mugged, you must obtain confirmation of your injuries and the duration of any inpatient treatment that you received from the hospital abroad.

Winter sports cover - Sections 15, 16, 17, 18 and 19
Cover is in place for winter sports:
1 For Premier Plus and Senior Citizens single trip policies if the extra premium has been paid and this is shown on the policy schedule;
2 Premier, Premier Plus and Senior Citizens annual multi-trip cover - for a period not exceeding 17 days for each journey during the period of cover.
Ski equipment, ski pass and ski equipment hire - Section 15
What you are covered for
We will pay you:
1 Up to the following amount for your own ski equipment if it is damaged, stolen, lost or destroyed on your journey or one-way trip:
Premier cover £400 in total (£300 in total for hired ski equipment)
Premier Plus and Senior Citizens cover £1,000 in total (£500 in total for hired ski equipment)
2 Up to the following amount for each full 24-hour period for necessary costs to hire ski equipment if your own is:
a) lost, stolen or destroyed on your journey or one-way trip;
b) temporarily lost in transit on your outward journey and is not returned to you within 12 hours after arrival at your destination.
Premier cover £20 up to £400 in total
Premier Plus and Senior Citizens cover £25 up to £500 in total
3 Your ski pass is included in the definition of personal and business money and cover is applicable under Section 4 (page 21).
What you are not covered for
1 Any claim under Sub sections 1 and 2a) if you have paid the discounted premium excluding Personal Possessions cover and this is shown on the policy schedule.
2 Any claim under Sub section 3 if you have paid the discounted premium excluding Personal Money cover and this is shown on the policy schedule.
3 Loss or theft of, or damage to, ski equipment over 5 years old. We will not pay more than 20% of the value at today's prices if the ski equipment is over 4 years old, more than 30% if it is over 3 years old, more than 50% if it is over 2 years old, more than 70% if it is over 1 year old or more than 90% if it is less than 1 year old, unless it has not been used.
4 More than the part of the ski equipment that is stolen, lost or destroyed, unless the items cannot be used separately or cannot be replaced individually.
5 Damaged ski equipment that you do not bring back to the United Kingdom for us to inspect.
6 Loss or theft of, or damage to, ski equipment unless it is:
a) on you all the time;
b) locked in the accommodation you are using on your journey or one-way trip;
c) in a locked store room during the day or night;
d) locked to secure racking (during daytime only), where a facility exists. If such a facility is not available then you must take all reasonable steps to prevent loss, damage or theft to your ski equipment; or
e) contained out of sight in a secure baggage area and evidence exists of a forced and violent entry by an unauthorised person.
7 Loss or damage due to the climate, wear and tear, reduction in value, moths or vermin.
8 Ski equipment sent as freight (such as ski equipment you send ahead of you).
Under Sub sections 1, 3 and 2a) only;
The excess shown on page 9 per insured person for each and every claim they make, for each section claimed under and each incident claimed for unless:
a) the extra premium has been paid to cancel excesses and this is shown on the policy schedule;
b) a maximum of two excesses are applicable (see 'Policy excesses' on page 9).
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 ski equipment to you.
Under Sub section 3 only;
Loss or theft of your ski pass, 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.
You are not covered for anything mentioned in the General exclusions on page 35.
Special conditions relating to claims
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 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.
What to do if you need to claim
- For all claims for loss, damage or theft that happen while you are travelling, you must tell the carriers and get a property irregularity report from them.
- If possible, you must keep damaged items that you want to claim for so that we can inspect them.
- 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. You should also get a report from your tour operator's representative or your hotel or apartment manager if this is appropriate.
- For all claims for damage, you must get an estimate for repair. Keep all receipts and vouchers for items that you want to claim for to help you with your claim.
- Make sure you keep all receipts for your ski equipment hire and for any items that you purchase on your journey

Winter sports cover - Sections 15, 16, 17, 18 and 19
Cover is in place for winter sports:
1 For Premier Plus and Senior Citizens single trip policies if the extra premium has been paid and this is shown on the policy schedule;
2 Premier, Premier Plus and Senior Citizens annual multi-trip cover - for a period not exceeding 17 days for each journey during the period of cover.
Ski equipment, ski pass and ski equipment hire - Section 15
What you are covered for
We will pay you:
1 Up to the following amount for your own ski equipment if it is damaged, stolen, lost or destroyed on your journey or one-way trip:
Premier cover £400 in total (£300 in total for hired ski equipment)
Premier Plus and Senior Citizens cover £1,000 in total (£500 in total for hired ski equipment)
2 Up to the following amount for each full 24-hour period for necessary costs to hire ski equipment if your own is:
a) lost, stolen or destroyed on your journey or one-way trip;
b) temporarily lost in transit on your outward journey and is not returned to you within 12 hours after arrival at your destination.
Premier cover £20 up to £400 in total
Premier Plus and Senior Citizens cover £25 up to £500 in total
3 Your ski pass is included in the definition of personal and business money and cover is applicable under Section 4 (page 21).
What you are not covered for
1 Any claim under Sub sections 1 and 2a) if you have paid the discounted premium excluding Personal Possessions cover and this is shown on the policy schedule.
2 Any claim under Sub section 3 if you have paid the discounted premium excluding Personal Money cover and this is shown on the policy schedule.
3 Loss or theft of, or damage to, ski equipment over 5 years old. We will not pay more than 20% of the value at today's prices if the ski equipment is over 4 years old, more than 30% if it is over 3 years old, more than 50% if it is over 2 years old, more than 70% if it is over 1 year old or more than 90% if it is less than 1 year old, unless it has not been used.
4 More than the part of the ski equipment that is stolen, lost or destroyed, unless the items cannot be used separately or cannot be replaced individually.
5 Damaged ski equipment that you do not bring back to the United Kingdom for us to inspect.
6 Loss or theft of, or damage to, ski equipment unless it is:
a) on you all the time;
b) locked in the accommodation you are using on your journey or one-way trip;
c) in a locked store room during the day or night;
d) locked to secure racking (during daytime only), where a facility exists. If such a facility is not available then you must take all reasonable steps to prevent loss, damage or theft to your ski equipment; or
e) contained out of sight in a secure baggage area and evidence exists of a forced and violent entry by an unauthorised person.
7 Loss or damage due to the climate, wear and tear, reduction in value, moths or vermin.
8 Ski equipment sent as freight (such as ski equipment you send ahead of you).
Under Sub sections 1, 3 and 2a) only;
The excess shown on page 9 per insured person for each and every claim they make, for each section claimed under and each incident claimed for unless:
a) the extra premium has been paid to cancel excesses and this is shown on the policy schedule;
b) a maximum of two excesses are applicable (see 'Policy excesses' on page 9).
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 ski equipment to you.
Under Sub section 3 only;
Loss or theft of your ski pass, 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.
You are not covered for anything mentioned in the General exclusions on page 35.
Special conditions relating to claims
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 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.
What to do if you need to claim
- For all claims for loss, damage or theft that happen while you are travelling, you must tell the carriers and get a property irregularity report from them.
- If possible, you must keep damaged items that you want to claim for so that we can inspect them.
- 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. You should also get a report from your tour operator's representative or your hotel or apartment manager if this is appropriate.
- For all claims for damage, you must get an estimate for repair. Keep all receipts and vouchers for items that you want to claim for to help you with your claim.
- Make sure you keep all receipts for your ski equipment hire and for any items that you purchase on your journey.

Winter sports cover - Sections 15, 16, 17, 18 and 19
Cover is in place for winter sports:
1 For Premier Plus and Senior Citizens single trip policies if the extra premium has been paid and this is shown on the policy schedule;
2 Premier, Premier Plus and Senior Citizens annual multi-trip cover - for a period not exceeding 17 days for each journey during the period of cover.
Ski equipment, ski pass and ski equipment hire - Section 15
What you are covered for
We will pay you:
1 Up to the following amount for your own ski equipment if it is damaged, stolen, lost or destroyed on your journey or one-way trip:
Premier cover £400 in total (£300 in total for hired ski equipment)
Premier Plus and Senior Citizens cover £1,000 in total (£500 in total for hired ski equipment)
2 Up to the following amount for each full 24-hour period for necessary costs to hire ski equipment if your own is:
a) lost, stolen or destroyed on your journey or one-way trip;
b) temporarily lost in transit on your outward journey and is not returned to you within 12 hours after arrival at your destination.
Premier cover £20 up to £400 in total
Premier Plus and Senior Citizens cover £25 up to £500 in total
3 Your ski pass is included in the definition of personal and business money and cover is applicable under Section 4 (page 21).
What you are not covered for
1 Any claim under Sub sections 1 and 2a) if you have paid the discounted premium excluding Personal Possessions cover and this is shown on the policy schedule.
2 Any claim under Sub section 3 if you have paid the discounted premium excluding Personal Money cover and this is shown on the policy schedule.
3 Loss or theft of, or damage to, ski equipment over 5 years old. We will not pay more than 20% of the value at today's prices if the ski equipment is over 4 years old, more than 30% if it is over 3 years old, more than 50% if it is over 2 years old, more than 70% if it is over 1 year old or more than 90% if it is less than 1 year old, unless it has not been used.
4 More than the part of the ski equipment that is stolen, lost or destroyed, unless the items cannot be used separately or cannot be replaced individually.
5 Damaged ski equipment that you do not bring back to the United Kingdom for us to inspect.
6 Loss or theft of, or damage to, ski equipment unless it is:
a) on you all the time;
b) locked in the accommodation you are using on your journey or one-way trip;
c) in a locked store room during the day or night;
d) locked to secure racking (during daytime only), where a facility exists. If such a facility is not available then you must take all reasonable steps to prevent loss, damage or theft to your ski equipment; or
e) contained out of sight in a secure baggage area and evidence exists of a forced and violent entry by an unauthorised person.
7 Loss or damage due to the climate, wear and tear, reduction in value, moths or vermin.
8 Ski equipment sent as freight (such as ski equipment you send ahead of you).
Under Sub sections 1, 3 and 2a) only;
The excess shown on page 9 per insured person for each and every claim they make, for each section claimed under and each incident claimed for unless:
a) the extra premium has been paid to cancel excesses and this is shown on the policy schedule;
b) a maximum of two excesses are applicable (see 'Policy excesses' on page 9).
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 ski equipment to you.
Under Sub section 3 only;
Loss or theft of your ski pass, 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.
You are not covered for anything mentioned in the General exclusions on page 35.
Special conditions relating to claims
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 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.
What to do if you need to claim
- For all claims for loss, damage or theft that happen while you are travelling, you must tell the carriers and get a property irregularity report from them.
- If possible, you must keep damaged items that you want to claim for so that we can inspect them.
- 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. You should also get a report from your tour operator's representative or your hotel or apartment manager if this is appropriate.
- For all claims for damage, you must get an estimate for repair. Keep all receipts and vouchers for items that you want to claim for to help you with your claim.
- Make sure you keep all receipts for your ski equipment hire and for any items that you purchase on your journey.

Ski pack - Section 16
What you are covered for
We will pay up to the following amount if you cannot recover the loss from anywhere else:
Premier cover £20 per full 24-hour period up to £400 in total
Premier Plus and Senior Citizens cover £25 per full 24-hour period up to £500 in total
1 a) for your ski pack deposits if you cancel your journey or one-way trip before it begins as a result of circumstances listed under Section 1 'What you are covered for' and which happen after the start date of
your policy and the date your travel tickets or confirmation of booking were issued; or
b) for the unused portion of your ski pack if you cut short (curtail) your journey as a result of circumstances listed under Section 1 'What you are covered for'.
2 for each 24-hour period if you lose part of your pre-paid ski pack and you get written advice from a doctor that you cannot participate in winter sports because of an injury or illness that occurred during the period of insurance and after the date your ski pack was booked and paid for.
What you are not covered for
Anything detailed under the exclusions applying to Sections 1 and 2 on pages 15-18.
You are not covered for anything mentioned in the General exclusions on page 35.
What to do if you need to claim
- When you cancel your journey or one-way trip for medical reasons, you must get a claim form and make sure your own doctor in the United Kingdom fills in the medical section.
- If you are unable to use your ski pack for medical reasons, you must get a medical certificate from the doctor who treats you abroad. The certificate must explain the medical reason you were unable to use your ski pack.
- You must contact your travel agent or tour operator as soon as you know that you may have to cancel or curtail your journey.
- All receipts and bills must be kept.

Piste closure - Section 18
What you are covered for
We will pay compensation if it is not possible for you to participate in winter sports during your journey or one-way trip because of not enough snow, too much snow or high winds, for as long as these conditions
continue and which result in at least 80% of ski lifts and ski schools at your booked ski resort being closed.
We will pay the following amount:
1 for the cost of extra transport or lift passes to let you ski at another resort for each full 24-hour period;
2 for each full 24-hour period if no other resort is available:
Premier cover £15 per day up to £300 in total
Premier Plus and Senior Citizens cover £30 per day up to £500 in total
What you are not covered for
1 We will not pay any compensation for the first full 24 hours at your booked ski resort.
2 Any journey or one-way trip in the United Kingdom.
3 We will not pay during the period of your journey or one-way trip, any compensation, unless you have a letter from the ski lift or ski school operators providing:
a) the reason for closing the piste;
b) the number of days the piste was closed; and
c) confirmation that at least 80% of ski lifts and ski schools in your pre-booked ski resort were closed.
4 Compensation which you can get from your tour operator or anywhere else.
5 Any compensation if your policy was issued less than 14 days before the beginning of your journey or one-way trip, unless no ski lifts or ski schools in your pre-booked resort were closed at the time the policy
was issued.
6 Any winter sports undertaken outside of the published ski season for your resort.
You are not covered for anything mentioned in the General exclusions on page 35.
What to do if you need to claim
- Get a letter from the ski lift or ski school operators giving the reason for closing the piste and showing the number of days the piste was closed and confirmation that at least 80% of the ski lifts and ski schools were closed during your journey or one-way trip.

Piste closure - Section 18
What you are covered for
We will pay compensation if it is not possible for you to participate in winter sports during your journey or one-way trip because of not enough snow, too much snow or high winds, for as long as these conditions
continue and which result in at least 80% of ski lifts and ski schools at your booked ski resort being closed.
We will pay the following amount:
1 for the cost of extra transport or lift passes to let you ski at another resort for each full 24-hour period;
2 for each full 24-hour period if no other resort is available:
Premier cover £15 per day up to £300 in total
Premier Plus and Senior Citizens cover £30 per day up to £500 in total
What you are not covered for
1 We will not pay any compensation for the first full 24 hours at your booked ski resort.
2 Any journey or one-way trip in the United Kingdom.
3 We will not pay during the period of your journey or one-way trip, any compensation, unless you have a letter from the ski lift or ski school operators providing:
a) the reason for closing the piste;
b) the number of days the piste was closed; and
c) confirmation that at least 80% of ski lifts and ski schools in your pre-booked ski resort were closed.
4 Compensation which you can get from your tour operator or anywhere else.
5 Any compensation if your policy was issued less than 14 days before the beginning of your journey or one-way trip, unless no ski lifts or ski schools in your pre-booked resort were closed at the time the policy
was issued.
6 Any winter sports undertaken outside of the published ski season for your resort.
You are not covered for anything mentioned in the General exclusions on page 35.
What to do if you need to claim
- Get a letter from the ski lift or ski school operators giving the reason for closing the piste and showing the number of days the piste was closed and confirmation that at least 80% of the ski lifts and ski schools were closed during your journey or one-way trip.

Piste closure - Section 18
What you are covered for
We will pay compensation if it is not possible for you to participate in winter sports during your journey or one-way trip because of not enough snow, too much snow or high winds, for as long as these conditions
continue and which result in at least 80% of ski lifts and ski schools at your booked ski resort being closed.
We will pay the following amount:
1 for the cost of extra transport or lift passes to let you ski at another resort for each full 24-hour period;
2 for each full 24-hour period if no other resort is available:
Premier cover £15 per day up to £300 in total
Premier Plus and Senior Citizens cover £30 per day up to £500 in total
What you are not covered for
1 We will not pay any compensation for the first full 24 hours at your booked ski resort.
2 Any journey or one-way trip in the United Kingdom.
3 We will not pay during the period of your journey or one-way trip, any compensation, unless you have a letter from the ski lift or ski school operators providing:
a) the reason for closing the piste;
b) the number of days the piste was closed; and
c) confirmation that at least 80% of ski lifts and ski schools in your pre-booked ski resort were closed.
4 Compensation which you can get from your tour operator or anywhere else.
5 Any compensation if your policy was issued less than 14 days before the beginning of your journey or one-way trip, unless no ski lifts or ski schools in your pre-booked resort were closed at the time the policy
was issued.
6 Any winter sports undertaken outside of the published ski season for your resort.
You are not covered for anything mentioned in the General exclusions on page 35.
What to do if you need to claim
- Get a letter from the ski lift or ski school operators giving the reason for closing the piste and showing the number of days the piste was closed and confirmation that at least 80% of the ski lifts and ski schools were closed during your journey or one-way trip.

Avalanche closure - Section 19
What you are covered for
We will pay up to the following amount for each full 24-hour period for extra accommodation and transport costs which you have to pay because you are unable to reach or return home from your journey or one-way trip destination due to avalanche, landslide, landslip or adverse weather conditions:
Premier cover £25 per day up to £125 in total
Premier Plus and Senior Citizens cover £50 per day up to £500 in total
What you are not covered for
1 Compensation which you can get from the company providing your accommodation, your tour operator or anywhere else.
2 Compensation unless you get a letter from the relevant authority or your tour operator's representative confirming the event.
You are not covered for anything mentioned in the General exclusions on page 35.
What to do if you need to claim
- Get a letter from the relevant authority or your tour operator's representative confirming the event.
- All receipts, bills and travel tickets must be kept.

Winter sports cover - Sections 15, 16, 17, 18 and 19
Cover is in place for winter sports:
1 For Premier Plus and Senior Citizens single trip policies if the extra premium has been paid and this is shown on the policy schedule;
2 Premier, Premier Plus and Senior Citizens annual multi-trip cover - for a period not exceeding 17 days for each journey during the period of cover.
Ski equipment, ski pass and ski equipment hire - Section 15
What you are covered for
We will pay you:
1 Up to the following amount for your own ski equipment if it is damaged, stolen, lost or destroyed on your journey or one-way trip:
Premier cover £400 in total (£300 in total for hired ski equipment)
Premier Plus and Senior Citizens cover £1,000 in total (£500 in total for hired ski equipment)
2 Up to the following amount for each full 24-hour period for necessary costs to hire ski equipment if your own is:
a) lost, stolen or destroyed on your journey or one-way trip;
b) temporarily lost in transit on your outward journey and is not returned to you within 12 hours after arrival at your destination.
Premier cover £20 up to £400 in total
Premier Plus and Senior Citizens cover £25 up to £500 in total
3 Your ski pass is included in the definition of personal and business money and cover is applicable under Section 4 (page 21).
What you are not covered for
1 Any claim under Sub sections 1 and 2a) if you have paid the discounted premium excluding Personal Possessions cover and this is shown on the policy schedule.
2 Any claim under Sub section 3 if you have paid the discounted premium excluding Personal Money cover and this is shown on the policy schedule.
3 Loss or theft of, or damage to, ski equipment over 5 years old. We will not pay more than 20% of the value at today's prices if the ski equipment is over 4 years old, more than 30% if it is over 3 years old, more than 50% if it is over 2 years old, more than 70% if it is over 1 year old or more than 90% if it is less than 1 year old, unless it has not been used.
4 More than the part of the ski equipment that is stolen, lost or destroyed, unless the items cannot be used separately or cannot be replaced individually.
5 Damaged ski equipment that you do not bring back to the United Kingdom for us to inspect.
6 Loss or theft of, or damage to, ski equipment unless it is:
a) on you all the time;
b) locked in the accommodation you are using on your journey or one-way trip;
c) in a locked store room during the day or night;
d) locked to secure racking (during daytime only), where a facility exists. If such a facility is not available then you must take all reasonable steps to prevent loss, damage or theft to your ski equipment; or
e) contained out of sight in a secure baggage area and evidence exists of a forced and violent entry by an unauthorised person.
7 Loss or damage due to the climate, wear and tear, reduction in value, moths or vermin.
8 Ski equipment sent as freight (such as ski equipment you send ahead of you).
Under Sub sections 1, 3 and 2a) only;
The excess shown on page 9 per insured person for each and every claim they make, for each section claimed under and each incident claimed for unless:
a) the extra premium has been paid to cancel excesses and this is shown on the policy schedule;
b) a maximum of two excesses are applicable (see 'Policy excesses' on page 9).
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 ski equipment to you.
Under Sub section 3 only;
Loss or theft of your ski pass, 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.
You are not covered for anything mentioned in the General exclusions on page 35.
Special conditions relating to claims
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 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.
What to do if you need to claim
- For all claims for loss, damage or theft that happen while you are travelling, you must tell the carriers and get a property irregularity report from them.
- If possible, you must keep damaged items that you want to claim for so that we can inspect them.
- 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. You should also get a report from your tour operator's representative or your hotel or apartment manager if this is appropriate.
- For all claims for damage, you must get an estimate for repair. Keep all receipts and vouchers for items that you want to claim for to help you with your claim.
- Make sure you keep all receipts for your ski equipment hire and for any items that you purchase on your journey.

Winter sports cover - Sections 15, 16, 17, 18 and 19
Cover is in place for winter sports:
1 For Premier Plus and Senior Citizens single trip policies if the extra premium has been paid and this is shown on the policy schedule;
2 Premier, Premier Plus and Senior Citizens annual multi-trip cover - for a period not exceeding 17 days for each journey during the period of cover.
Ski equipment, ski pass and ski equipment hire - Section 15
What you are covered for
We will pay you:
1 Up to the following amount for your own ski equipment if it is damaged, stolen, lost or destroyed on your journey or one-way trip:
Premier cover £400 in total (£300 in total for hired ski equipment)
Premier Plus and Senior Citizens cover £1,000 in total (£500 in total for hired ski equipment)
2 Up to the following amount for each full 24-hour period for necessary costs to hire ski equipment if your own is:
a) lost, stolen or destroyed on your journey or one-way trip;
b) temporarily lost in transit on your outward journey and is not returned to you within 12 hours after arrival at your destination.
Premier cover £20 up to £400 in total
Premier Plus and Senior Citizens cover £25 up to £500 in total
3 Your ski pass is included in the definition of personal and business money and cover is applicable under Section 4 (page 21).
What you are not covered for
1 Any claim under Sub sections 1 and 2a) if you have paid the discounted premium excluding Personal Possessions cover and this is shown on the policy schedule.
2 Any claim under Sub section 3 if you have paid the discounted premium excluding Personal Money cover and this is shown on the policy schedule.
3 Loss or theft of, or damage to, ski equipment over 5 years old. We will not pay more than 20% of the value at today's prices if the ski equipment is over 4 years old, more than 30% if it is over 3 years old, more than 50% if it is over 2 years old, more than 70% if it is over 1 year old or more than 90% if it is less than 1 year old, unless it has not been used.
4 More than the part of the ski equipment that is stolen, lost or destroyed, unless the items cannot be used separately or cannot be replaced individually.
5 Damaged ski equipment that you do not bring back to the United Kingdom for us to inspect.
6 Loss or theft of, or damage to, ski equipment unless it is:
a) on you all the time;
b) locked in the accommodation you are using on your journey or one-way trip;
c) in a locked store room during the day or night;
d) locked to secure racking (during daytime only), where a facility exists. If such a facility is not available then you must take all reasonable steps to prevent loss, damage or theft to your ski equipment; or
e) contained out of sight in a secure baggage area and evidence exists of a forced and violent entry by an unauthorised person.
7 Loss or damage due to the climate, wear and tear, reduction in value, moths or vermin.
8 Ski equipment sent as freight (such as ski equipment you send ahead of you).
Under Sub sections 1, 3 and 2a) only;
The excess shown on page 9 per insured person for each and every claim they make, for each section claimed under and each incident claimed for unless:
a) the extra premium has been paid to cancel excesses and this is shown on the policy schedule;
b) a maximum of two excesses are applicable (see 'Policy excesses' on page 9).
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 ski equipment to you.
Under Sub section 3 only;
Loss or theft of your ski pass, 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.
You are not covered for anything mentioned in the General exclusions on page 35.
Special conditions relating to claims
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 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.
What to do if you need to claim
- For all claims for loss, damage or theft that happen while you are travelling, you must tell the carriers and get a property irregularity report from them.
- If possible, you must keep damaged items that you want to claim for so that we can inspect them.
- 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. You should also get a report from your tour operator's representative or your hotel or apartment manager if this is appropriate.
- For all claims for damage, you must get an estimate for repair. Keep all receipts and vouchers for items that you want to claim for to help you with your claim.
- Make sure you keep all receipts for your ski equipment hire and for any items that you purchase on your journey.

Personal possessions and delayed baggage - Section 3
You are not covered under Sub sections 1 and 2 if the discounted premium has been paid and this is shown on your policy schedule.
What you are covered for
1 Up to the following amount, in total, for your personal possessions (this does not include ski equipment - see Section 15) if damaged, stolen, lost or destroyed on your journey or one-way trip:
Standard cover £1,500
Premier cover £1,500
Premier Plus and Senior Citizens cover £3,000
2 If you are on a business trip we will pay up to the following amount, in total, for business samples that are damaged, stolen, lost or destroyed on your business trip:
Standard cover N/A
Premier cover N/A
Premier Plus and Senior Citizens cover £500
3 We will pay up to the following amount in total:
a) 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:
Standard cover £100
Premier cover £150
Premier Plus and Senior Citizens cover £150
and;
b) if your personal possessions are delayed for an extra 48 hours:
Standard cover Nil
Premier cover £200
Premier Plus and Senior Citizens cover £300
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) contact or corneal lenses, false teeth, dentures or artificial teeth (such as crowns);
d) goods which deteriorate, glass or ceramic containers, bottles or cartons, and any damage caused by these items or their contents;
e) films, tapes, cassettes, cartridges or discs (unless they were pre-recorded, in which case we will pay up to the replacement cost);
f) Pedal cycles, wheelchairs, prams, pushchairs or baby buggies except while they are being carried by public transport;
g) Bonds, share certificates, guarantees or documents of any kind.
h) Personal possessions sent as freight (such as suitcases sent ahead of you).
2 Breakage of or damage to;
a) sports equipment while it is being used (this does not include ski equipment if Winter sports cover is in place or golf clubs if Golfing cover is in place);
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.
3 Loss or damage due to the climate, wear and tear, reduction in value, moths or vermin.
Under Sub sections 1 and 2;
1 Any claim under Sub sections 1 and 2 if you have paid the discounted premium excluding Personal Possessions cover and this is shown on the policy schedule.
2 The excess shown on page 9 per insured person for each and every claim they make, for each section claimed under and each incident claimed for unless:
a) the extra premium has been paid to cancel excesses and this is shown on the policy schedule.
b) a maximum of two excesses are applicable (see Policy excesses on page 9).
3 More than the following amount, for any single article, pair or set of any kind, whether jointly owned or not (this does not include golf clubs if the extra premium has been paid for Golfing cover):
Standard cover £200
Premier cover £250
Premier Plus and Senior Citizens cover £300
4 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.
5 More than the following amount, in total, for valuables:
Standard cover £200
Premier cover £300
Premier Plus and Senior Citizens cover £500
Under Sub section 3 only;
1 Compensation unless you get a letter from the public transport provider showing the length of the delay in getting your personal possessions to you.
2 Any compensation for delay to:
a) ski equipment (see Section 15); or
b) golf equipment if Golfing cover is in place (see Section 20).
You are not covered for anything mentioned in the General exclusions on page 35.
Special conditions relating to claims
Under Sub sections 1 and 2;
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.
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.
Under Sub section 3;
We will take any amount we pay from the final claim settlement if the items are permanently lost.
What to do if you need to claim
- For all claims for loss, damage or theft that happen while you are travelling, you must tell the carriers and get a property irregularity report from them.
- If possible, you should keep damaged items that you want to claim for so that we can inspect them.
- 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. You should also get a report from your tour operators representative or your hotel or apartment manager if this is appropriate.
- For all claims for damage, you must get an estimate for repair. Keep all receipts and vouchers for items that you want to claim for to help you with your claim.
- Make sure you keep all receipts for anything that you buy when your personal possessions are lost or stolen on your outward journey.

Personal possessions and delayed baggage - Section 3
You are not covered under Sub sections 1 and 2 if the discounted premium has been paid and this is shown on your policy schedule.
What you are covered for
1 Up to the following amount, in total, for your personal possessions (this does not include ski equipment - see Section 15) if damaged, stolen, lost or destroyed on your journey or one-way trip:
Standard cover £1,500
Premier cover £1,500
Premier Plus and Senior Citizens cover £3,000
2 If you are on a business trip we will pay up to the following amount, in total, for business samples that are damaged, stolen, lost or destroyed on your business trip:
Standard cover N/A
Premier cover N/A
Premier Plus and Senior Citizens cover £500
3 We will pay up to the following amount in total:
a) 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:
Standard cover £100
Premier cover £150
Premier Plus and Senior Citizens cover £150
and;
b) if your personal possessions are delayed for an extra 48 hours:
Standard cover Nil
Premier cover £200
Premier Plus and Senior Citizens cover £300
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) contact or corneal lenses, false teeth, dentures or artificial teeth (such as crowns);
d) goods which deteriorate, glass or ceramic containers, bottles or cartons, and any damage caused by these items or their contents;
e) films, tapes, cassettes, cartridges or discs (unless they were pre-recorded, in which case we will pay up to the replacement cost);
f) Pedal cycles, wheelchairs, prams, pushchairs or baby buggies except while they are being carried by public transport;
g) Bonds, share certificates, guarantees or documents of any kind.
h) Personal possessions sent as freight (such as suitcases sent ahead of you).
2 Breakage of or damage to;
a) sports equipment while it is being used (this does not include ski equipment if Winter sports cover is in place or golf clubs if Golfing cover is in place);
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.
3 Loss or damage due to the climate, wear and tear, reduction in value, moths or vermin.
Under Sub sections 1 and 2;
1 Any claim under Sub sections 1 and 2 if you have paid the discounted premium excluding Personal Possessions cover and this is shown on the policy schedule.
2 The excess shown on page 9 per insured person for each and every claim they make, for each section claimed under and each incident claimed for unless:
a) the extra premium has been paid to cancel excesses and this is shown on the policy schedule.
b) a maximum of two excesses are applicable (see Policy excesses on page 9).
3 More than the following amount, for any single article, pair or set of any kind, whether jointly owned or not (this does not include golf clubs if the extra premium has been paid for Golfing cover):
Standard cover £200
Premier cover £250
Premier Plus and Senior Citizens cover £300
4 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.
5 More than the following amount, in total, for valuables:
Standard cover £200
Premier cover £300
Premier Plus and Senior Citizens cover £500
Under Sub section 3 only;
1 Compensation unless you get a letter from the public transport provider showing the length of the delay in getting your personal possessions to you.
2 Any compensation for delay to:
a) ski equipment (see Section 15); or
b) golf equipment if Golfing cover is in place (see Section 20).
You are not covered for anything mentioned in the General exclusions on page 35.
Special conditions relating to claims
Under Sub sections 1 and 2;
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.
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.
Under Sub section 3;
We will take any amount we pay from the final claim settlement if the items are permanently lost.
What to do if you need to claim
- For all claims for loss, damage or theft that happen while you are travelling, you must tell the carriers and get a property irregularity report from them.
- If possible, you should keep damaged items that you want to claim for so that we can inspect them.
- 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. You should also get a report from your tour operators representative or your hotel or apartment manager if this is appropriate.
- For all claims for damage, you must get an estimate for repair. Keep all receipts and vouchers for items that you want to claim for to help you with your claim.
- Make sure you keep all receipts for anything that you buy when your personal possessions are lost or stolen on your outward journey.

Cancellation or curtailment charges - Section 1
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 the following amount 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:
Standard cover £3,000
Premier cover £4,000
Premier Plus and Senior Citizens cover £6,000
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, your close relative, someone you are travelling with, your close business associate 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, your close relative 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;
For Premier, Premier Plus, and Senior Citizens cover only;
e) You, your close relative or someone you are travelling with is a member of the Armed Forces, Police, Fire, Medical or Ambulance Services or an employee of a Government Department and has their leave
withdrawn provided that the necessity to withdraw leave could not have been foreseen at the time of applying for insurance or booking your trip;
f) The serious injury or illness of a domestic pet preventing you, your husband or wife,partner or finance(e) or someone you are travelling with, from using pre-booked and pre-paid kennel or cattery boarding facilities;
2 You cut your journey short (curtail it) after it has begun because of one of the following:
a) 1a), b), c), d) or e) above;
b) You are injured or ill and are in hospital for the rest of your journey;
c) Severe weather in the United Kingdom stops you from making it to your departure point where your journey or one-way trip from the United Kingdom to your destination begins; or
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 our Insurance conditions relating to health (on page 9).
2 The excess shown on page 9 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) the extra premium has been paid to cancel excesses and this is shown on the policy schedule;
c) a maximum of two excesses are applicable (see Policy excesses on page 9).
3 Claims arising from you suffering from stress, anxiety, depression or any other mental or nervous disorder unless the condition has developed since the policy was issued and has been diagnosed by a consultant specialising in the 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 trip (whichever is the earlier) which could reasonably have been expected to give rise to the cancellation or curtailment of the 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 paragraph 1f) only;
Any costs when you do not get veterinary confirmation to say it was necessary to cancel because of serious injury or illness of your domestic pet and do not have a receipt for pre-booked and pre-paid kennel or cattery boarding facilities.
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.
Under Sub paragraph 2d) only;
Any claim unless:
1 you can produce either your boarding pass or a letter from the carrier confirming that you checked in with your passport;
2 you have written confirmation, from the relevant authority, that you reported the loss and that every attempt was made to recover your passport;
3 you have written confirmation from your carrier that you could not make any other reasonable alternative travel arrangements.
You are not covered for anything mentioned in the General exclusions on page 35.
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.
What to do if you need to claim
- When you cancel your journey or one-way trip for medical reasons, you must get a claim form and make sure your own doctor in the United Kingdom fills in the medical section.
- If the journey is cut short (curtailed) for medical reasons, contact Direct Travel Insurance Assistance and get a medical certificate from the doctor who treats you abroad. The certificate must explain the medical reason you need to return home. Direct Travel Insurance Assistances doctor must have agreed with the reason.
- You must contact your travel agent or tour operator as soon as you know that you may have to cancel or curtail your journey.
- All receipts and bills must be kept.

Missed departure - Section 7
What you are covered for
1 We will pay you up to the following amount, 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:
a) public transport does not run to its timetable;
b) the vehicle you are travelling in has an accident or breaks down; or
c) 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:
Standard cover £600
Premier cover £600
Premier Plus and Senior Citizens cover £1,000
2 We will pay you up to the following, in total, for your part of the costs of the journey or one way trip relating to unused personal accommodation, transport charges and other pre-paid charges which have been
paid or where there is a contract to pay before the start of the journey or one-way trip and which you cannot recover from anywhere else, if after making all reasonable attempts to find alternative travel arrangements you are unable to depart within 36 hours from your original planned departure time. (You should make all reasonable efforts to find alternative travel arrangements, including contacting your travel agent/tour operator and Direct Travel Insurance Assistance as quickly as possible).
Standard cover £600
Premier cover £600
Premier Plus and Senior Citizens cover £1,000
3 Direct Travel Insurance Assistance will provide assistance by liaising with your carrier and/or tour operator to advise of your late arrival.
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.
4 Any claim under Sub Section 2 unless you have made all reasonable efforts to find alternative travel arrangements, including contacting your travel agent / tour operator and Direct Travel Insurance Assistance as soon as you know that you are likely to miss your departure.
5 Any claim under sub section 2 which is recoverable from elsewhere.
You are not covered for anything mentioned in the General exclusions on page 35.
What to do if you need to claim
- Get a letter from the public transport provider (if this applies) confirming that the service did not run on time.
- Get confirmation of the delay from the authority who went to the accident or breakdown (if this applies) affecting the vehicle you were travelling in.

Delayed departure or abandonment - Section 8
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:
a) a serious fire, storm or flood damage to the departure point;
b) industrial action;
c) bad weather;
d) mechanical breakdown of the public transport; or
e) the grounding of an aircraft due to a mechanical or a structural defect.
1 We will pay the benefits shown below:
Standard cover £20 £10 £100
Premier cover £20 £10 £200
Premier Plus and Senior Citizens cover £35 £35 £350
or;
2 We will pay up to the following, 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:
Standard cover £3,000
Premier cover £4,000
Premier Plus and Senior Citizens cover £6,000
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;
1 The excess shown on page 9 per insured person for each and every claim they make, for each section claimed under and each incident claimed for unless:
a) the extra premium has been paid to cancel excesses and this is shown on the policy schedule;
b) a maximum of two excesses are applicable (see Policy excesses on page 9).
You are not covered for anything mentioned in the General exclusions on page 35.
What to do if you need to claim
- Get a letter from the public transport provider giving the reason for the delay and showing the scheduled departure time and actual departure time of the public transport.

Delayed departure or abandonment - Section 8
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:
a) a serious fire, storm or flood damage to the departure point;
b) industrial action;
c) bad weather;
d) mechanical breakdown of the public transport; or
e) the grounding of an aircraft due to a mechanical or a structural defect.
1 We will pay the benefits shown below:
Standard cover £20 £10 £100
Premier cover £20 £10 £200
Premier Plus and Senior Citizens cover £35 £35 £350
or;
2 We will pay up to the following, 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:
Standard cover £3,000
Premier cover £4,000
Premier Plus and Senior Citizens cover £6,000
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;
1 The excess shown on page 9 per insured person for each and every claim they make, for each section claimed under and each incident claimed for unless:
a) the extra premium has been paid to cancel excesses and this is shown on the policy schedule;
b) a maximum of two excesses are applicable (see Policy excesses on page 9).
You are not covered for anything mentioned in the General exclusions on page 35.
What to do if you need to claim
- Get a letter from the public transport provider giving the reason for the delay and showing the scheduled departure time and actual departure time of the public transport.

Personal liability - Section 9
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 our 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 relative's 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 (except golf buggies while in use on the golf course if the Golfing cover is in place) 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) the extra premium has been paid to cancel excesses and this is shown on the policy schedule;
b) a maximum of two excesses are applicable (see Policy excesses on page 9).
You are not covered for anything mentioned in the General exclusions on page 35.
What to do if you need to claim
- You must not admit responsibility to anyone or agree to pay any damages, repair, compensation or costs.
- You must provide us with full details of the circumstances that caused the claim together with any other evidence that we ask for.

Extended kennel and/or cattery fees - Section 11
What you are covered for
We will pay you up to £250 (£150 for journeys or one-way trips in the United Kingdom) for kennel and/or cattery fees if your domestic pet(s) are in a kennel/cattery during your journey or one-way trip and your return home has been delayed because of your bodily injury or illness.
What you are not covered for
Any costs that do not result from a bodily injury or illness covered under Section 2 - Medical emergency, repatriation and associated expenses.
You are not covered for anything mentioned in the General exclusions on page 35.
What to do if you need to claim
- You must get a written statement from the appropriate kennel or cattery confirming any extra charges that you have to pay.

Catastrophe cover - Section 12
Premier, Premier Plus and Senior Citizens policies only
What you are covered for
We will pay up to the following amount for extra accommodation and transport costs you need to pay to move to other accommodation of a similar standard to that you originally booked if, as a result of fire, flood, earthquake, avalanche or storm during your journey or one-way trip, you cannot use your accommodation:
Premier cover £200
Premier Plus and Senior Citizens cover £1,000
What you are not covered for
1 Compensation unless you get a letter from the company providing your accommodation, the police or your tour operator's representative confirming that you could not use the accommodation.
2 Compensation which you can get from the company providing your accommodation, your tour operator or anywhere else.
3 Any expense which you would normally have expected to pay during your journey or one-way trip.
You are not covered for anything mentioned in the General exclusions on page 35.
What to do if you need to claim
- Get a letter from the company providing accommodation, the police or your tour operator's representative confirmin