Essential Cover

Important conditions relating to health
Telephone: 0870 066 2732
Medical Screening Lines Opening Hours:
Monday to Friday, 9am to 5.30pm
Saturdays 10am to 4pm
Ref: Essential Travel Policy
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.
Failure to have the above information to hand may result in Your claim being delayed.
It is a condition of this policy that You will not be covered under section O Cancellation or Curtailment charges, section A Emergency medical and other expenses, section B Hospital benefit and section C Personal accident for any claims arising directly or indirectly from:
a. At the time of taking out this policy:
i. Any Medical Condition You have, or have had, for which You are taking prescribed medication or are waiting to receive, or have received treatment (including surgery, tests or investigations) within the
last 2 years unless We have agreed, in writing, to cover You.
ii If You have only one Medical Condition and this is one of those shown in the table of NO SCREEN CONDITIONS** on this page then this will be covered under the policy without the need to contact Us.
iii Any Medical Condition for which You, a Close Relative or a Travelling Companion have received a terminal prognosis.
iv Any Medical Condition for which You, a Close Relative or a Travelling Companion have not had a diagnosis.
v Any Medical Condition for which You, a Close Relative or a Travelling Companion are on a waiting list for or have knowledge of the need for surgery, in patient treatment or investigation at a hospital, clinic or nursing home.
vi Any circumstances You, are aware of that could reasonably be expected to give rise to a claim on this policy.
unless You have been given Our agreement.
b. You will also not be covered at any time for:
i Any Medical Condition You, have in respect of which a Medical Practitioner has advised You, not to travel or would have done so had You sought his/her advice.
ii Any Medical Condition for which You, are travelling with the intention of obtaining medical treatment (including surgery or investigation) or advice outside of the United Kingdom or within the Channel Islands.
iii Any Medical Condition for which You, are not taking the recommended treatment or prescribed medication as directed by a Medical Practitioner.
iv Pregnancy or childbirth where You, are expected to give birth within eight weeks of the start of the Trip, during the Trip or within eight weeks of the end of the Trip.
** NO SCREEN CONDITIONS (for which You do not have to contact Us if You only have one of these):
Acid reflux
Acne
Attention Deficit
Hyperactivity Disorder
(ADHD)
Allergy (requiring non
prescriptive treatment
only)
Broken bones
Cataracts
Colds or influenza
Dyspepsia
Eczema
Gout
Hayfever
Hypercholesterolaemia
(high cholesterol)
Hysterectomy (provided
carried out more than 6
months ago)
Irritable bowel Syndrome
Menopause
Migraine
Psoriasis
Tonsilitis
Underactive thyroid
Varicose Veins
You should also refer to the general exclusions on page 11.

Section A - Emergency medical and other expenses
What Is covered
We will pay You up to the amount shown in the Schedule of Benefits for the following expenses which are necessarily incurred as a result of You suffering Bodily Injury or illness and/or compulsory quarantine:
1. Emergency medical, surgical, hospital, ambulance and nursing fees and charges incurred:
a) outside the United Kingdom or
b) within the Channel Islands.
2. Emergency dental treatment for the immediate relief of pain (to natural teeth only) up to a limit of £200 incurred:
a) outside the United Kingdom or
b) within the Channel Islands.
3. In the event of Your death outside the United Kingdom the reasonable additional cost of funeral expenses abroad up to a maximum of £1,500 plus the reasonable cost of conveying Your ashes to Your Home, or
the additional costs of returning Your body to Your Home.
4. Reasonable additional transport (economy class) or accommodation expenses incurred, up to the standard of Your original booking, if it is medically necessary for You to stay beyond Your scheduled return date.
This includes, with the prior authorisation of AXA Assistance, reasonable additional transport or accommodation expenses for a friend, Close Relative or Travelling Companion to remain with You or travel to You from the United Kingdom or escort You and additional travel expenses to return You to Your Home if You are unable to use the return ticket.
5. With the prior authorisation of AXA Assistance, the additional costs incurred in the use of air transport or other suitable means, including qualified attendants, to repatriate You to Your Home if it is medically necessary. Repatriation expenses will be in respect only of the identical class of travel utilised on the outward journey unless AXA Assistance agree otherwise.
Special conditions relating to claims
1. You must give notice as soon as possible to AXA Assistance or Us of any Bodily Injury or illness which necessitates Your admittance to hospital as an in-patient or before any arrangements are made for Your
repatriation.
2. In the event of Your Bodily Injury or illness We reserve the right to relocate You from one hospital to another and arrange for Your repatriation to the United Kingdom at any time during the Trip. We will do this if in the opinion of the Medical Practitioner in attendance or AXA Assistance You can be moved safely and/or travel safely to the United Kingdom to continue treatment.
What is not covered
1. The Excess as shown in the Schedule of Benefits, Limits and Excesses.
2. Claims arising directly or indirectly as a result of Your failure to comply with the Important Conditions Relating to Health shown on page 9.
3. Any claims arising directly or indirectly in respect of:
a) The costs of telephone calls other than calls to AXA Assistance notifying them of the problem for which You are able to provide a receipt or other evidence to show the cost of the call and the number telephoned.
b) The cost of treatment or surgery, including exploratory tests, which are not directly related to the Bodily Injury or illness which necessitated Your admittance into hospital.
c) Any expenses which are not usual, reasonable or customary to treat Your Bodily Injury or illness.
d) Any form of treatment or surgery which in the opinion of the Medical Practitioner in attendance and AXA Assistance can be delayed until Your return to the United Kingdom.
e) Expenses incurred in obtaining or replacing medication, which at the time of departure is known to be required or to be continued outside the United Kingdom.
f) Additional costs arising from single or private room accommodation.
g) Treatment or services provided by a health spa, convalescent or nursing home or any rehabilitation centre unless agreed by AXA Assistance.
h) Any expenses incurred after You have returned to the United Kingdom.
i) Expenses incurred as a result of a tropical disease where You have not had the recommended inoculations and/or taken the recommended medication.
j) Your decision not to be repatriated after the date when in the opinion of AXA Assistance it is safe to do so.
4. Anything mentioned in the general exclusions on page 11.

Section C - Personal accident
Special Definitions (which are shown in Italics)
Loss of limb
- means loss by permanent severance of an entire hand or foot or the total and permanent loss of use of an entire hand or foot.
Loss of sight
- means total and irrecoverable loss of sight.
What is covered
We will pay one of the benefits as shown in the Schedule of Benefits if You sustain Bodily Injury which shall solely and independently of any other cause, result within two years in Your death, Loss of limb, Loss of sight or Permanent Total Disablement
Special conditions relating to claims
1. Our Medical Practitioner may examine You as often as they deem necessary in the event of a claim.
Provisions
1. Benefit is not payable to You:
a) Under more than one item under this section.
b) Under Permanent Total Disablement until 24 continuous calendar months after the date You sustain Bodily Injury.
c) Under Permanent total disablement if You are able or may be able to carry out any gainful employment or gainful occupation.
What is not covered
1.Claims arising directly or indirectly as a result of your failure to comply with the important conditions relating to Health shown on page 9.
2. Anything mentioned in the general exclusions on page 11.

Section B - Hospital benefit
What is covered
We will pay You up to the amount as shown in the Schedule of Benefits for every complete 24 hours You have to stay in hospital as an in-patient:
a) outside the United Kingdom or
b) within the Channel Islands
as a result of bodily injury or illness you sustain.
We will pay the amount as shown in the Schedule Benefits in addition to any amount payable under section Emergency medical and other expenses.
What is not covered
1. Any claims arising directly or indirectly from:
a) Any additional period of hospitalisation relating to treatment or surgery, including exploratory tests, which are not directly related to the Bodily Injury or illness which necessitated Your admittance into
hospital.
b) Hospitalisation relating to any form of treatment or surgery which in the opinion of the Medical Practitioner in attendance and the Emergency Assistance Service can be delayed reasonably until
Your return to the United Kingdom.
c) Any additional period of hospitalisation relating to treatment or services provided by a convalescent or nursing home or any rehabilitation centre.
d) Hospitalisation as a result of a tropical disease where You have not had the recommended inoculations and/or taken the recommended medication.
e) Any additional period of hospitalisation following Your decision not to be repatriated after the date when in the opinion of the Emergency Assistance Service it is safe to do so.
2. Claims arising directly or indirectly as a result of your failure to comply with the important conditions relating to health shown on page 9.
3. Anything mentioned in the general exclusions on page 11.
Special conditions relating to claims
1. You must give notice as soon as possible to the Emergency Assistance Service or Us of any Bodily Injury or illness which necessitates Your admittance to hospital as an in-patient.

Section A Emergency medical and other expenses
What Is covered
We will pay You up to the amount shown in the Schedule of Benefits, Limits and Excesses for the following expenses which are necessarily incurred as a result of You suffering Bodily Injury or illness and/or compulsory quarantine:
2. Emergency dental treatment for the immediate relief of pain (to natural teeth only) up to a limit of £200 incurred:

Section A Emergency medical and other expenses
What Is covered
We will pay You up to the amount shown in the Schedule of Benefits, Limits and Excesses for the following expenses which are necessarily incurred as a result of You suffering Bodily Injury or illness and/or compulsory quarantine:
3. In the event of Your death outside the United Kingdom the reasonable additional cost of funeral expenses abroad up to a maximum of £1,500 plus the reasonable cost of conveying Your ashes to Your Home, or the additional costs of returning Your body to Your Home.

Section A Emergency medical and other expenses
What Is covered
We will pay You up to the amount shown in the Schedule of Benefits, Limits and Excesses for the following expenses which are necessarily incurred as a result of You suffering Bodily Injury or illness and/or compulsory quarantine:
3. In the event of Your death outside the United Kingdom the reasonable additional cost of funeral expenses abroad up to a maximum of £1,500 plus the reasonable cost of conveying Your ashes to Your Home, or the additional costs of returning Your body to Your Home.

Section O - Personal Money
What is covered
We will pay You up to the amounts shown in the Schedule of Benefits and Excesses for the accidental loss of, theft of or damage to Personal Money.
The maximum We will pay for the following items is:
a) For cash (bank notes, currency notes and coins) is as shown in the Schedule of Benefits and Excesses.
b) If You are under the age of 18, for cash (bank notes currency notes and coins) is as shown in the schedule of benefits.
c) For all other Personal Money is as shown in the schedule of benefits.
Special conditions relating to claims
1. You must report to the local Police within 24 hours of discovery and obtain a written report of the loss, theft or attempted theft of all Personal Money.
A holiday representative report is not sufficient.
2. Receipts for items lost, stolen or damaged including foreign currency exchange receipts showing the amount must be retained as these will be required to substantiate Your claim.
What is not covered
1. The Excess as shown in the Schedule of Benefits and Excesses.
2. Loss, theft of or damage to Personal Money left Unattended at any time (including in a vehicle or in the custody of carriers) unless deposited in a hotel safe or safety deposit box or left in your locked accommodation.
3. Loss, theft of or damage to travellers cheques if You have not complied with the issuers conditions or where the issuer provides a replacement service.
4. Loss or damage due to delay, confiscation or detention by customs or other authority.
5. Loss or damage due to depreciation in value, variations in exchange rates or shortages due to error or omission.
6. Anything mentioned in the general exclusions on page 11.

Section L - Overseas legal expenses and assistance
What is covered
We will pay You up to the amount shown in the Schedule of Benefits and Excesses for legal costs to pursue a civil action for compensation if someone else causes You Bodily Injury, illness or death.
Where there are two or more insured person(s) insured by this policy, then the maximum amount payable by us shall not exceed double the amount shown in the schedule of benefits.
Special conditions relating to claims
1. We shall have complete control over the legal case through agents We nominate, by appointing agents of Our choice on Our behalf with the expertise to pursue Your claim.
2. You must follow Our agent's advice and provide any information and assistance required within a reasonable timescale.
3. You must advise Us of any offers of settlement made by the negligent third party and You must not accept any such offer without Our consent.
4. We will decide the point at which Your legal case cannot usefully be pursued further. After that no further claims can be made against Us.
5. We may include a claim for Our legal costs and other related expenses.
6. We may, at Our own expense, take proceedings in Your name to recover compensation from any third party in respect of any indemnity paid under this policy.
You must give such assistance as We shall reasonably require and any amount recovered shall belong to Us.
7. If You or Your appointed agents receive any compensation, You must repay Us any legal costs which We have paid up to the amount of the compensation.
What is not covered
We shall not be liable for:-
1. The Excess as shown in the Schedule of Benefits and Excesses.
2. Any claim where in Our opinion there is insufficient prospect of success in obtaining reasonable compensation.
3. Legal costs and expenses incurred in pursuit of any claim against a travel agent, tour operator, carrier, Us, AXA Assistance or their agents, someone You were travelling with, a person related to You, or another Insured Person.
4. Legal costs and expenses incurred prior to Our written acceptance of the case.
5. Any claim where the legal costs and expenses are likely to be greater than the anticipated amount of compensation.
6. Any claim where legal costs and expenses are based directly or indirectly on the amount of compensation awarded (for example a Contingency Fee Agreement), or on the condition that Your action is successful.
7. Legal costs and expenses incurred in any claim which is capable of being pursued under a Conditional Fee Agreement
8. Legal costs and expenses incurred if an action is brought in more than one country.
9. Any claim where in Our opinion the estimated amount of compensation payment is less than £1,000 for each Insured Person.
10. Travel, accommodation and incidental costs incurred to pursue a civil action for compensation.
11. Costs of any Appeal.
12. Claims occurring within the United Kingdom.
13. Claims by You other than in Your private capacity.
14. Anything mentioned in the general exclusions on page 11.

Section N - Baggage, Baggage delay and passport
What is covered
1. We will pay You up to the amount as shown in the Schedule of Benefits and Excesses for the accidental loss of, theft of or damage to Baggage. The amount payable will be the value at todays prices less a deduction for wear tear and depreciation, (or We may at Our option replace, reinstate or repair the lost or damaged Baggage).
The maximum We will pay for the following items is:
a) For any Single Item as shown in the Schedule of Benefits and Excesses.
b) the total for all Valuables is as shown in the Schedule of Benefits and Excesses.
1. We will also pay You up to the amounts as shown in the Schedule of Benefits and Excesses for;
a) the emergency replacement of clothing, medication and toiletries if the Baggage is temporarily lost in transit during the outward journey and not returned to You within 12 hours, provided written confirmation is
obtained and sent to Us from the carrier, confirming the number of hours the Baggage was delayed.
If the loss is permanent the amount paid will be deducted from the final amount to be paid under this section.
b) reasonable additional travel and accommodation expenses incurred necessarily abroad to obtain a replacement of Your lost or stolen passport.
Special conditions relating to claims
1. You must report to the local Police within 24 hours of discovery and obtain a written report of the loss, theft or attempted theft of all Baggage.
2. If Baggage is lost, stolen or damaged while in the care of a carrier, transport company, authority or hotel You must report to them, in writing, details of the loss, theft or damage and obtain written confirmation. If Baggage is lost, stolen or damaged whilst in the care of an airline You must
a) obtain a Property Irregularity Report from the airline.
b) give formal written notice of the claim to the airline within the time limit contained in their conditions of carriage (please retain a copy).
What is not covered
1. The Excess as shown in the Schedule of Benefits and Excesses except under section 2. a).
2. Loss, theft of or damage to Valuables or Your passport left Unattended at any time (including in a vehicle or in the custody of carriers) unless deposited in a hotel safe or safety deposit box.
3. Loss, theft of or damage to Baggage contained in an Unattended vehicle:
a) overnight between 9p.m. and 8 a.m. (local time) or
b) at any time between 8a.m. and 9 p.m. (local time) unless it is in the locked boot which is separate from the passenger compartment, or for those vehicles without a separate boot, locked in the vehicle and covered from view and there is evidence of forced entry which is confirmed by a police report.
4. Loss or damage due to delay, confiscation or detention by customs or other authority
5. Loss, theft of or damage to unset precious stones, contact or corneal lenses, hearing aids, dental or medical fittings, antiques, musical instruments, mobile telephones, documents of any kind, bonds, securities, perishable goods, bicycles, Sports Equipment (including Golf Equipment and Ski Equipment) and damage to suitcases (unless the suitcases are entirely unusable as a result of one single incidence of damage).
6. Loss or damage due to cracking, scratching, breakage of or damage to china, glass (other than glass in watch faces, cameras, binoculars or telescopes), porcelain or other brittle or fragile articles unless
caused by fire, theft, or accident to the aircraft, sea vessel, train or vehicle in which they are being carried.
7. Loss or damage due to breakage of Sports Equipment or damage to sports clothing whilst in use.
8. Loss, theft of or damage to business goods, samples, tools of trade, motor accessories and other items used in connection with Your business, trade, profession or occupation.
9. Loss or damage caused by wear and tear, depreciation, deterioration, atmospheric or climatic conditions, moth, vermin, any process of cleaning repairing or restoring, mechanical or electrical breakdown.
c) retain all travel tickets and tags for submission if a claim is to be made under this policy.
3. You must provide an original receipt or proof of ownership for items lost, stolen or damaged to help You to substantiate Your claim.
10. Claims arising from damage caused by leakage of powder or liquid carried within personal effects or Baggage.
11. Claims arising from loss or theft from Your accommodation unless there is evidence of forced entry which is confirmed by a police report.
12. Claims arising from Baggage left Unattended in a place to which the general public has access or left in the custody of a person who does not have an official responsibility for the safe keeping of the property at anytime except as shown under point 3. b. above. Including, theft or damage occurring on a beach or in or around a swimming pool.
13. Claims arising for Personal Money: computer equipment of any kind, mobile telephones, personal digital assistants, TV sets.
14. Anything mentioned in the general exclusions on page 11.

Personal Money
- means bank notes, currency notes and coins in current use, travellersand other cheques, travel tickets, event and entertainment tickets, United Kingdom driving licence and
credit/debit or charge cards all held for private purposes.

Section J - Mugging
What is covered
We will pay You up to the amounts shown in the Schedule of Benefits and Excesses for every complete period of 24 hours You receive in-patient hospital treatment which is covered under section A Emergency Medical expenses and other expenses as a direct result of a Mugging whilst on Your Trip.
What is not covered
1. Anything mentioned in the general exclusions on page 11.
Special conditions relating to claims
1. You must give notice immediately to the Emergency Assistance Service or Us of any Bodily Injury which necessitates Your admittance to hospital as an in-patient.
2. You must report to the police within 24 hours of You being mugged and obtain from them a written report of the incident.
3. Confirmation of Your injuries and the period of inpatient treatment from the hospital.

Section I - Hijack
What is covered
We will pay You up to the amounts shown in the Schedule of Benefits and Excesses for every complete period of 24 hours in the event of hijack of the transport on which You are travelling.
What is not covered
1. Any claim not substantiated by a written police report confirming the length and exact nature of the incident.
2. Anything mentioned in the general exclusions on page 11.

Section Q1 Ski Equipment
What is covered
We will pay You up to the amount as shown in the Schedule of Benefits and Excesses for the accidental loss of, theft of or damage to Your own Ski Equipment.
The amount payable will be the value at todays prices less a deduction for wear tear and depreciation, (or We may at Our option replace, reinstate or repair the lost or damaged Ski Equipment).
The maximum We will pay for the following items is:
a) For any Single Item as shown in the Schedule of Benefits and Excesses. The maximum payment for any Single Item for which an original receipt, proof of purchase or insurance valuation (obtained prior to loss) is not supplied is £50 subject to a maximum of £300 for all such items.
b) for owned Ski Equipment as shown in the Schedule of Benefits and Excesses.
c) for hired Ski Equipment as shown In the Schedule of Benefits and Excesses.
Our liability for Ski Equipment hired by You shall be further limited to Your liability for such loss or damage.
Special conditions relating to claims
1. You must report to the local Police within 24 hours of discovery and obtain a written report of the loss, theft or attempted theft of all Ski Equipment.
2. For items damaged whilst on Your Trip You must obtain an official report from an appropriate local retailer.
3. If Ski Equipment is lost, stolen or damaged while in the care of a carrier, transport company, authority or hotel You must report to them, in writing, details of the loss, theft or damage and obtain written confirmation. If Ski Equipment is lost; stolen or damaged whilst in the care of an airline You must
a) obtain a Property Irregularity Report from the airline.
b) give formal written notice of the claim to the airline within the time limit contained in their conditions of carriage (please retain a copy).
c) You must retain all travel tickets and tags for submission if a claim is to be made under this policy.
4. You must provide an original receipt or proof of ownership for items lost, stolen or damaged to help You to substantiate Your claim.
5. Our liability for Ski Equipment owned by the Insured Person shall be further limited as follows:
Up to 1 year old - 90% of purchase price
Up to 2 years old - 70% of purchase price
Up to 3 years old - 50% of purchase price
Up to 4 years old - 30% of purchase price
Up to 5 years old - 20% of purchase price
Over 5 years old - Nil payment
You may claim under only one of the following sections:
section M - Sports Equipment or section Q1 - Ski Equipment or section R1 - Golf Equipment for the same event
What is not covered
1. The Excess as shown in the Schedule of Benefits and Excesses.
2. Loss, theft of or damage to Ski Equipment contained in or stolen from an Unattended vehicle:
a) overnight between 9 p.m and 8 a.m (local time) or
b) at any time between 8 a.m and 9 p.m (local time) unless it is in the locked boot which is separate from the passenger compartment, or for those vehicles without a separate boot or lockable ski rack, locked in the vehicle and covered from view and evidence of forcible and violent entry to the vehicle is confirmed by a police report.
3. Loss or damage due to delay, confiscation or detention by customs or other authority.
4. Loss or damage caused by wear and tear, depreciation, deterioration, atmospheric or climatic conditions, moth, vermin, any process of cleaning repairing or restoring, mechanical or electrical breakdown.
5. Loss theft of or damage to Ski Equipment over 5 years old.
6. Claims arising for Ski Equipment left Unattended in a place to which the general public has access or left in the custody of a person who does not have an official responsibility for the safekeeping of the property at anytime except as shown under 2. b. above.
7. Claims arising from damage caused by leakage of powder or liquid carried within personal effects or Ski equipment.
8. Claims arising from loss or theft from Your accommodation unless there is evidence of forced entry which is confirmed by a police report.
9. Claims arising from loss or theft or damage of Ski Equipment carried on vehicle roof rack unless secured by a lockable ski rack.
10. Anything mentioned in the general exclusions on page 11.

Section Q1 Ski Equipment
What is covered
We will pay You up to the amount as shown in the Schedule of Benefits and Excesses for the accidental loss of, theft of or damage to Your own Ski Equipment.
The amount payable will be the value at todays prices less a deduction for wear tear and depreciation, (or We may at Our option replace, reinstate or repair the lost or damaged Ski Equipment).
The maximum We will pay for the following items is:
a) For any Single Item as shown in the Schedule of Benefits and Excesses. The maximum payment for any Single Item for which an original receipt, proof of purchase or insurance valuation (obtained prior to loss) is not supplied is £50 subject to a maximum of £300 for all such items.
b) for owned Ski Equipment as shown in the Schedule of Benefits and Excesses.
c) for hired Ski Equipment as shown In the Schedule of Benefits and Excesses.
Our liability for Ski Equipment hired by You shall be further limited to Your liability for such loss or damage.
Special conditions relating to claims
1. You must report to the local Police within 24 hours of discovery and obtain a written report of the loss, theft or attempted theft of all Ski Equipment.
2. For items damaged whilst on Your Trip You must obtain an official report from an appropriate local retailer.
3. If Ski Equipment is lost, stolen or damaged while in the care of a carrier, transport company, authority or hotel You must report to them, in writing, details of the loss, theft or damage and obtain written confirmation. If Ski Equipment is lost; stolen or damaged whilst in the care of an airline You must
a) obtain a Property Irregularity Report from the airline.
b) give formal written notice of the claim to the airline within the time limit contained in their conditions of carriage (please retain a copy).
c) You must retain all travel tickets and tags for submission if a claim is to be made under this policy.
4. You must provide an original receipt or proof of ownership for items lost, stolen or damaged to help You to substantiate Your claim.
5. Our liability for Ski Equipment owned by the Insured Person shall be further limited as follows:
Up to 1 year old - 90% of purchase price
Up to 2 years old - 70% of purchase price
Up to 3 years old - 50% of purchase price
Up to 4 years old - 30% of purchase price
Up to 5 years old - 20% of purchase price
Over 5 years old - Nil payment
You may claim under only one of the following sections:
section M - Sports Equipment or section Q1 - Ski Equipment or section R1 - Golf Equipment for the same event
What is not covered
1. The Excess as shown in the Schedule of Benefits and Excesses.
2. Loss, theft of or damage to Ski Equipment contained in or stolen from an Unattended vehicle:
a) overnight between 9 p.m and 8 a.m (local time) or
b) at any time between 8 a.m and 9 p.m (local time) unless it is in the locked boot which is separate from the passenger compartment, or for those vehicles without a separate boot or lockable ski rack, locked in the vehicle and covered from view and evidence of forcible and violent entry to the vehicle is confirmed by a police report.
3. Loss or damage due to delay, confiscation or detention by customs or other authority.
4. Loss or damage caused by wear and tear, depreciation, deterioration, atmospheric or climatic conditions, moth, vermin, any process of cleaning repairing or restoring, mechanical or electrical breakdown.
5. Loss theft of or damage to Ski Equipment over 5 years old.
6. Claims arising for Ski Equipment left Unattended in a place to which the general public has access or left in the custody of a person who does not have an official responsibility for the safekeeping of the property at anytime except as shown under 2. b. above.
7. Claims arising from damage caused by leakage of powder or liquid carried within personal effects or Ski equipment.
8. Claims arising from loss or theft from Your accommodation unless there is evidence of forced entry which is confirmed by a police report.
9. Claims arising from loss or theft or damage of Ski Equipment carried on vehicle roof rack unless secured by a lockable ski rack.
10. Anything mentioned in the general exclusions on page 11.

Section Q1 Ski Equipment
What is covered
We will pay You up to the amount as shown in the Schedule of Benefits and Excesses for the accidental loss of, theft of or damage to Your own Ski Equipment.
The amount payable will be the value at todays prices less a deduction for wear tear and depreciation, (or We may at Our option replace, reinstate or repair the lost or damaged Ski Equipment).
The maximum We will pay for the following items is:
a) For any Single Item as shown in the Schedule of Benefits and Excesses. The maximum payment for any Single Item for which an original receipt, proof of purchase or insurance valuation (obtained prior to loss) is not supplied is £50 subject to a maximum of £300 for all such items.
b) for owned Ski Equipment as shown in the Schedule of Benefits and Excesses.
c) for hired Ski Equipment as shown In the Schedule of Benefits and Excesses.
Our liability for Ski Equipment hired by You shall be further limited to Your liability for such loss or damage.
Special conditions relating to claims
1. You must report to the local Police within 24 hours of discovery and obtain a written report of the loss, theft or attempted theft of all Ski Equipment.
2. For items damaged whilst on Your Trip You must obtain an official report from an appropriate local retailer.
3. If Ski Equipment is lost, stolen or damaged while in the care of a carrier, transport company, authority or hotel You must report to them, in writing, details of the loss, theft or damage and obtain written confirmation. If Ski Equipment is lost; stolen or damaged whilst in the care of an airline You must
a) obtain a Property Irregularity Report from the airline.
b) give formal written notice of the claim to the airline within the time limit contained in their conditions of carriage (please retain a copy).
c) You must retain all travel tickets and tags for submission if a claim is to be made under this policy.
4. You must provide an original receipt or proof of ownership for items lost, stolen or damaged to help You to substantiate Your claim.
5. Our liability for Ski Equipment owned by the Insured Person shall be further limited as follows:
Up to 1 year old - 90% of purchase price
Up to 2 years old - 70% of purchase price
Up to 3 years old - 50% of purchase price
Up to 4 years old - 30% of purchase price
Up to 5 years old - 20% of purchase price
Over 5 years old - Nil payment
You may claim under only one of the following sections:
section M - Sports Equipment or section Q1 - Ski Equipment or section R1 - Golf Equipment for the same event
What is not covered
1. The Excess as shown in the Schedule of Benefits and Excesses.
2. Loss, theft of or damage to Ski Equipment contained in or stolen from an Unattended vehicle:
a) overnight between 9 p.m and 8 a.m (local time) or
b) at any time between 8 a.m and 9 p.m (local time) unless it is in the locked boot which is separate from the passenger compartment, or for those vehicles without a separate boot or lockable ski rack, locked in the vehicle and covered from view and evidence of forcible and violent entry to the vehicle is confirmed by a police report.
3. Loss or damage due to delay, confiscation or detention by customs or other authority.
4. Loss or damage caused by wear and tear, depreciation, deterioration, atmospheric or climatic conditions, moth, vermin, any process of cleaning repairing or restoring, mechanical or electrical breakdown.
5. Loss theft of or damage to Ski Equipment over 5 years old.
6. Claims arising for Ski Equipment left Unattended in a place to which the general public has access or left in the custody of a person who does not have an official responsibility for the safekeeping of the property at anytime except as shown under 2. b. above.
7. Claims arising from damage caused by leakage of powder or liquid carried within personal effects or Ski equipment.
8. Claims arising from loss or theft from Your accommodation unless there is evidence of forced entry which is confirmed by a police report.
9. Claims arising from loss or theft or damage of Ski Equipment carried on vehicle roof rack unless secured by a lockable ski rack.
10. Anything mentioned in the general exclusions on page 11.

Section Q3 Ski pack
What is covered
We will pay You up to the amount as shown in the Schedule of Benefits and Excesses
a) for the unused portion of Your ski pack (ski school fees, lift passes and hired Ski Equipment) following Your Bodily Injury or illness.
b) the the unused portion of Your lift pass if lost.
What is not covered
1. Anything mentioned in the general exclusions on page 11.
Special conditions relating to claims
1. You must provide written confirmation from a Medical Practitioner that such Bodily Injury or illness prevented You from using Your ski pack.

Section Q3 Ski pack
What is covered
We will pay You up to the amount as shown in the Schedule of Benefits:
a) for the unused portion of Your ski pack (ski school fees, lift passes and hired Ski Equipment) following your bodilyInjury or illness.
b) for the unused portion of Your lift pass if lost.

Section Q4 Piste closure
What is covered
We will pay You the amount shown in the Schedule of Benefits and Excesses for every complete 24 hour period, up to the maximum shown in the Schedule of Benefits and Excesses for the cost of transport to an alternative site if lack of snow conditions results in the closure of skiing facilities (excluding cross-country skiing) Your resort and it is not possible to ski.
The cover only applies:
a) To the resort which You have pre-booked for a period exceeding 12 hours and for so long as such conditions prevail at the resort, but not exceeding the pre-booked period of Your Trip and
b) To Trips taken outside the United Kingdom during the published ski season for Your resort.
If no alternative sites are available We will pay You compensation as shown in the Schedule of Benefits and Excesses.
What is not covered
1. Anything mentioned in the general exclusions on page 11.
Special conditions relating to claims
1. You must obtain written confirmation from the resort management of the number of days skiing facilities were closed in Your resort and the reason for the closure

Section Q4 Piste closure
What is covered
We will pay You the amount shown in the Schedule of Benefits and Excesses for every complete 24 hour period, up to the maximum shown in the Schedule of Benefits and Excesses for the cost of transport to an alternative site if lack of snow conditions results in the closure of skiing facilities (excluding cross-country skiing) Your resort and it is not possible to ski.
The cover only applies:
a) To the resort which You have pre-booked for a period exceeding 12 hours and for so long as such conditions prevail at the resort, but not exceeding the pre-booked period of Your Trip and
b) To Trips taken outside the United Kingdom during the published ski season for Your resort.
If no alternative sites are available We will pay You compensation as shown in the Schedule of Benefits and Excesses.
What is not covered
1. Anything mentioned in the general exclusions on page 11.
Special conditions relating to claims
1. You must obtain written confirmation from the resort management of the number of days skiing facilities were closed in Your resort and the reason for the closure

Section Q5 Delay due to avalanche
What is covered
If Your outward or return journey is delayed by at least 12 hours beyond the scheduled departure time as a direct result of an avalanche in Your pre-booked Winter Sports resort, We will pay You the amount shown in the Schedule of Benefits and Excesses for additional travel and accommodation expenses.
You may claim under only one of the following sections:
section H Missed departure or section Q5 Delay due to avalanche.
What is not covered
1. Anything mentioned in the general exclusions on page 11.
Special conditions relating to claims
1. You must provide a report from the resort management substantiating Your claim.

Section Q2 Ski Equipment Hire
What is covered
We will pay You up to the amount as shown in the Schedule of Benefits and Excesses for each 24 hour period, for the cost of necessary hire of Ski Equipment following:
a) loss or breakage of Your Ski Equipment; or
b) the misdirection or delay in transit for at least 12 hours of Your Ski Equipment.
Special conditions relating to claims
1. You must report to the local police within 24 hours of discovery and obtain a written report of the loss, theft or attempted theft of Your Ski Equipment.
2. For items damaged whilst on Your Trip You must obtain an official report from an appropriate retailer.
3. If Ski Equipment is lost, stolen or damaged while in the care of a carrier, transport company, authority or hotel You must report to them, in writing, details of the loss, theft or damage and obtain written confirmation. If Ski Equipment is lost, stolen or damaged whilst in the care of an airline You must:
a) obtain a Property Irregulari