Halifax World Explorer

Section 3
Medical Emergency and Repatriation
Expenses - up to £10,000,000
This section does not apply to trips within the UK (except for trips to the Channel Islands, where NHS treatment is not available).
We will pay up to £10,000,000 in the event of an accident or illness whilst on the trip in respect of the following:
1. usual and reasonable medical, hospital and treatment expenses, including the cost of the rescue service to take you to hospital, (including the cost of emergency dental treatment for the relief of pain only up to £400) outside the UK for continuous treatment only, not exceeding 12 months, which will cease when on medical advice you are able to return to the UK
2. the reasonable costs of funeral expenses abroad or the reasonable cost of conveying the insured persons body or ashes to their home address in the UK
3. repatriation expenses (including air ambulance or the special use of air transport) to return you to the UK provided it is medically necessary and the arrangements are authorised beforehand and made by the
Emergency Medical Assistance Helpline
4. reasonable additional travel and accommodation (room only plus £10 per day towards meals) of a relative or friend of yours living in the UK, or on holiday with you, who on medical advice must travel or stay with you or accompany you home. The Emergency Medical Assistance Helpline must authorise this beforehand.
The Emergency Medical Assistance Helpline must be contacted if your medical expenses are likely to be in excess of £500.
The Emergency Medical Assistance Helpline must be notified as soon as possible, and within 48 hours of your admission, in order to authorise any expenses:
- if you go into hospital or require any medical assistance
- if you have to return home early or extend your trip.
If you do not do this we may not pay your claim.
You must not arrange in-flight medical care for your return journey without the permission of the Emergency Medical Assistance Helpline. Our medical advisors will consult with the doctors treating you to decide if this is necessary.
We may instruct you to return home if our medical advisers and the doctors treating you decide that you are fit to travel.
You are not covered
We will not pay for the following:
- any treatment in the UK
- any incident whilst you are undertaking manual work
- any medication or drugs which at the start of your trip you know you will need
- the cost of any treatment or surgery (including exploratory tests) which are not directly related to the illness or injury for which you went into a hospital or clinic abroad
- any costs arising from your pregnancy or childbirth if the expected date of delivery is less than 12 weeks after the end of your trip
- any extra costs from you arranging a single or private room accommodation at a hospital, clinic or nursing home, except where this is necessary for your treatment and approved by the Emergency Medical Assistance Helpline
- any loss, damage or provision of false dentures, false limbs, hearing aids, contact or corneal lenses or prescription spectacles
- in-patient, hospital, clinic or repatriation expenses which have not been reported to and authorised by the Emergency Medical Assistance Helpline
- any form of treatment or cosmetic surgery which, in the opinion of the doctor treating you and the Emergency Medical Assistance Helpline can reasonably be delayed until you return home
- if you are travelling against the advice of a doctor or for the purpose of having medical treatment on the trip
- any costs arising from a pre-existing medical condition (unless terms were agreed in writing by us before starting your trip)
- medical or repatriation costs in excess of £500, which have not been authorised by the Emergency Medical Assistance Helpline
- taxi fares incurred in obtaining medical treatment, unless the taxi was used for emergency ambulance purposes.

Section 5
Personal Accident - up to £5,000
If you sustain accidental bodily injury during the period of insurance and the injury results in your death or disability (as listed below) within 12 months we will pay you (or your legal personal representative(s) in the event of death) the following benefits:
1. death by accident - £5,000
2. permanent loss of one or more limbs by physical separation at or above the wrist or ankle, or the total and permanent loss of all sight in one or both eyes - £5,000
3. permanent total disablement - £5,000.
The maximum amount of all benefits we will pay under this section for one or more accidents sustained by you shall not exceed £5,000.
In respect of UK and Channel Islands residents on business trips within the UK and Channel Islands, Insurance under this Section only applies when you are travelling as a farepaying passenger on public transport.
You are not covered
We will not pay for the following:
- any benefit in respect of points 1, 2 or 3 which do not occur within 12 months of the accident
- any incident in connection with you undertaking manual work
- if you are travelling against the advice of a doctor or for the purpose of having medical treatment during the trip
- any claim arising from a pre-existing medical condition (unless terms are agreed in writing to us before booking your trip).

Section 4
Hospital Benefit - up to £300
This section does not apply to trips within the UK (except for trips to the Channel Islands, where NHS treatment is not available).
We will pay you £10 for every complete 24 hours you spend in a hospital abroad as an in-patient or confined to your accommodation on the instructions of a doctor or as a result of you becoming ill or being injured during the trip (up to a maximum of £300).
A medical certificate must be obtained from the treating doctor showing the period of admission or confinement to your accommodation.
You are not covered
We will not pay for the following:
- any days spent in hospital in the UK
- costs resulting from an incident occurring whilst you are undertaking manual work
- any treatment or surgery (including exploratory tests) which are not directly related to the illness or injury for which you went into a hospital or clinic abroad
- any form of treatment or cosmetic surgery which, in the opinion of the doctor treating you and Emergency Medical Assistance Helpline can reasonably be delayed until you return home
- any costs arising from your pregnancy or childbirth if the expected date of delivery is less than 12 weeks after the end of your trip
- in-patient, hospital or clinic expenses which have not been reported to and authorised by the Emergency Medical Assistance Helpline
- if you are travelling against the advice of a doctor or for the purpose of having medical treatment on the trip
- costs arising from a pre-existing medical condition (unless terms were agreed in writing by us before starting your trip).

Section 3
Medical Emergency and Repatriation
Expenses - up to £10,000,000
This section does not apply to trips within the UK (except for trips to the Channel Islands, where NHS treatment is not available).
We will pay up to £10,000,000 in the event of an accident or illness whilst on the trip in respect of the following:
1. usual and reasonable medical, hospital and treatment expenses, including the cost of the rescue service to take you to hospital, (including the cost of emergency dental treatment for the relief of pain only up to £400) outside the UK for continuous treatment only, not exceeding 12 months, which will cease when on medical advice you are able to return to the UK

Section 3
Medical Emergency and Repatriation
Expenses - up to £10,000,000
This section does not apply to trips within the UK (except for trips to the Channel Islands, where NHS treatment is not available).
We will pay up to £10,000,000 in the event of an accident or illness whilst on the trip in respect of the following:
2. the reasonable costs of funeral expenses abroad or the reasonable cost of conveying the insured persons body or ashes to their home address in the UK

Section 3
Medical Emergency and Repatriation
Expenses - up to £10,000,000
This section does not apply to trips within the UK (except for trips to the Channel Islands, where NHS treatment is not available).
We will pay up to £10,000,000 in the event of an accident or illness whilst on the trip in respect of the following:
2. the reasonable costs of funeral expenses abroad or the reasonable cost of conveying the insured persons body or ashes to their home address in the UK

Section 7
(This section only applies if you have opted to include this cover and this is shown on your Policy Schedule).
Personal Money - up to £300
We will pay up to a maximum of £300 for the loss or theft of your personal money during your trip dependent on you observing the following:
1. taking reasonable care in protecting your personal money and documents against loss, theft or damage
2. notifying the Police within 24 hours of discovery and obtaining a written report and reference number from them and enclosing this with your claim form.
You are not covered
We will not pay for the following:
- loss or theft of personal money that is not on your person or not deposited in a safe or safety deposit box, or similar locked fixed receptacle in your trip accommodation
- for any depreciation in value, currency changes or shortage caused by any error or omission
- for personal money packed in suitcases or other similar personal baggage or in containers which are out of your sight and personal control
- for loss or damage arising from confiscation or detention by Customs or other officials.

Section 10
Legal Advice and Expenses - up to £25,000
We will pay you up to £25,000 for reasonable and necessary legal costs you or your legal personal representative(s) have to pay in order to claim compensation or damages for your personal injury or death caused by the negligence of a third party during the period of insurance.
Through Eurolaw Legal Advice Service, we will give you confidential legal advice over the phone on any personal legal problem, under the laws of the member countries of the European Union, the Isle of Man, the
Channel Islands, Norway and Switzerland.
We agree to provide the insurance in this section, as long as:
1. the date of occurrence of the incident happens during the period of insurance and within the territorial limit; and
2. any legal proceedings will be dealt with by a court or other body which we agree to in the territorial limit; and
3. for civil claims it is always more likely than not that you will recover damages (or other legal remedy which we have agreed to) or make a successful defence
- for all insured incidents, we will help in appealing or defending an appeal as long as you tell us within the time limits that you want us to appeal. Before we pay the costs and expenses for appeals, we must agree that it is always more likely than not that the appeal will be successful
- if an appointed representative is used, we will pay the costs and expenses incurred for this
- the most we will pay for all claims resulting from one or more event arising at the same time or from the same cause is £25,000.
The insurers will pay an insured persons legal expenses provided there are reasonable prospects that the claim or the legal proceedings will achieve the remedy or result sought by the insured person. If at any time we consider that the claim does not have such prospect, we will advise the insured person in writing, and notify the insured person that our liability to pay any further legal expenses will cease 14 days after the notice is received by the insured person.
You are not covered
We will not pay for any claim relating to the following:
- any illness or bodily injury which develops gradually or is not caused by a specific or sudden accident
- defending your legal rights, but defending a counter-claim is covered
- the driving of a motor vehicle by you for which you do not have a valid motor insurance
- against a travel agent, tour operator, carrier, us, the insurers or their agents
- any costs and expenses incurred before our written acceptance of the claim
- written or verbal remarks which damage your reputation
- any disagreement with us that is not dealt with under No. 11 of the General Conditions applying to Section 10 Legal Advice and Expenses
- an application for Judicial Review
- any legal action which you take which we or the appointed representative have not agreed to
- or where you do anything that hinders us or the appointed representative.

Section 9
Loss of Passport/Driving Licence - up to £200
We will pay up to a maximum of £200 for reasonable travel and accommodation expenses in obtaining replacement passports, travel tickets, green cards, driving licences, business documents and records, but only up to the cost of replacing and/or restoring the missing documents or records which are lost or stolen whilst on the trip.
You are not covered
We will not pay for the following:
- loss or theft of items that are not kept on your person or not deposited in a safe or safety deposit box, or similar locked fixed receptacle in your trip accommodation
- items packed in suitcases or other similar personal baggage, or in containers which are out of your sight and personal control
- loss of passport not reported to the Police and the Consular Representative of the relevant issuing country within 24 hours of discovery
- for loss or damage arising from confiscation or detention by Customs or other officials.

Section 9
Loss of Passport/Driving Licence - up to £200
We will pay up to a maximum of £200 for reasonable travel and accommodation expenses in obtaining replacement passports, travel tickets, green cards, driving licences, business documents and records, but only up to the cost of replacing and/or restoring the missing documents or records which are lost or stolen whilst on the trip.
You are not covered
We will not pay for the following:
- loss or theft of items that are not kept on your person or not deposited in a safe or safety deposit box, or similar locked fixed receptacle in your trip accommodation
- items packed in suitcases or other similar personal baggage, or in containers which are out of your sight and personal control
- loss of passport not reported to the Police and the Consular Representative of the relevant issuing country within 24 hours of discovery
- for loss or damage arising from confiscation or detention by Customs or other officials.

Section 3
Medical Emergency and Repatriation
Expenses - up to £10,000,000
This section does not apply to trips within the UK (except for trips to the Channel Islands, where NHS treatment is not available).
We will pay up to £10,000,000 in the event of an accident or illness whilst on the trip in respect of the following:
1. usual and reasonable medical, hospital and treatment expenses, including the cost of the rescue service to take you to hospital, (including the cost of emergency dental treatment for the relief of pain only up to £400) outside the UK for continuous treatment only, not exceeding 12 months, which will cease when on medical advice you are able to return to the UK
2. the reasonable costs of funeral expenses abroad or the reasonable cost of conveying the insured persons body or ashes to their home address in the UK
3. repatriation expenses (including air ambulance or the special use of air transport) to return you to the UK provided it is medically necessary and the arrangements are authorised beforehand and made by the
Emergency Medical Assistance Helpline
4. reasonable additional travel and accommodation (room only plus £10 per day towards meals) of a relative or friend of yours living in the UK, or on holiday with you, who on medical advice must travel or stay with you or accompany you home. The Emergency Medical Assistance Helpline must authorise this beforehand.
The Emergency Medical Assistance Helpline must be contacted if your medical expenses are likely to be in excess of £500.
The Emergency Medical Assistance Helpline must be notified as soon as possible, and within 48 hours of your admission, in order to authorise any expenses:
- if you go into hospital or require any medical assistance
- if you have to return home early or extend your trip.
If you do not do this we may not pay your claim.
You must not arrange in-flight medical care for your return journey without the permission of the Emergency Medical Assistance Helpline. Our medical advisors will consult with the doctors treating you to decide if this is necessary.
We may instruct you to return home if our medical advisers and the doctors treating you decide that you are fit to travel.
You are not covered
We will not pay for the following:
- any treatment in the UK
- any incident whilst you are undertaking manual work
- any medication or drugs which at the start of your trip you know you will need
- the cost of any treatment or surgery (including exploratory tests) which are not directly related to the illness or injury for which you went into a hospital or clinic abroad
- any costs arising from your pregnancy or childbirth if the expected date of delivery is less than 12 weeks after the end of your trip
- any extra costs from you arranging a single or private room accommodation at a hospital, clinic or nursing home, except where this is necessary for your treatment and approved by the Emergency Medical Assistance Helpline
- any loss, damage or provision of false dentures, false limbs, hearing aids, contact or corneal lenses or prescription spectacles
- in-patient, hospital, clinic or repatriation expenses which have not been reported to and authorised by the Emergency Medical Assistance Helpline
- any form of treatment or cosmetic surgery which, in the opinion of the doctor treating you and the Emergency Medical Assistance Helpline can reasonably be delayed until you return home
- if you are travelling against the advice of a doctor or for the purpose of having medical treatment on the trip
- any costs arising from a pre-existing medical condition (unless terms were agreed in writing by us before starting your trip)
- medical or repatriation costs in excess of £500, which have not been authorised by the Emergency Medical Assistance Helpline
- taxi fares incurred in obtaining medical treatment, unless the taxi was used for emergency ambulance purposes.

Personal Baggage - up to £750
(This section only applies if you have opted to include this cover and this is shown on your Policy Schedule).
We will pay you up to £750 (after suitable deduction for wear and tear and depreciation) for accidental loss or theft of, or damage to, personal baggage during the period of insurance.
In the event of a claim you must provide us with any original receipts, proofs of purchase or insurance valuations (obtained prior to loss, theft or damage) which we may request.

Section 6
Personal Baggage - up to £750
(This section only applies if you have opted to include this cover and this is shown on your Policy Schedule).
We will pay you up to £750 (after suitable deduction for wear and tear and depreciation) for accidental loss or theft of, or damage to, personal baggage during the period of insurance.
In the event of a claim you must provide us with any original receipts, proofs of purchase or insurance valuations (obtained prior to loss, theft or damage) which we may request.
Delayed Baggage
We will pay you up to a maximum of £100 to cover the purchase of essential items if you are temporarily deprived of your personal baggage due to misdirection in delivery on your outward journey for over 12 hours from the time you arrived at your trip destination abroad. You must keep all receipts for these items and send them with your claim form. Any amount paid will be deducted from the final claim settlement under this section if the items are permanently lost.
You are not covered
We will not pay for the following:
- more than £150 for any one article, pair or set of articles
- more than £250 in total in respect of valuables
- ski equipment or ski clothing
- loss, or theft of or damage to fragile articles, contact or corneal lenses, spectacles, sunglasses, bicycles or business goods or samples
- loss, or theft of or damage to sports equipment whilst in use
- loss or damage whilst in the custody of an airline or other carrier unless you report it immediately on discovery to the carrier and get a written report. In the case of an airline you will need a Property Irregularity
Report (PIR)
- loss, theft or suspected theft of your personal baggage that you do not report to the Police within 24 hours of discovery and you do not get a written report from them
- loss or damage to your personal baggage caused by normal wear and tear, gradual deterioration or mechanical or electrical breakdown, decay, moth, vermin, atmospheric or climatic conditions
- personal baggage left out of sight and out of personal control in public places (e.g. station, airport, restaurant, beach, etc)
- any loss, or theft of personal baggage from unattended motor cycles or motor vehicles (other than locked vehicles where there is evidence of forcible entry or exit and provided the items were not visible from the
vehicle exterior, and where the forcible entry or exit is verified by a Police report)
- any loss of valuables packed in a suitcase, or similar container (other than normal hand-luggage) unless they are at all times attended by you, or left in hotel security, safety deposit box, safe or similar locked fixed receptacle
- any loss, or theft of valuables from an unattended vehicle unless between the hours of 09:00 and 21:00 and locked in the boot, covered luggage area or locked glove compartment and following physical
evidence of forcible entry and reported to the appropriate Police authority and a report obtained from them
- loss of or damage to valuables (other than wedding rings) while you are swimming
- any items left in the custody of a person who does not have official responsibility for the safekeeping of the property.

Section 6
Personal Baggage - up to £750
(This section only applies if you have opted to include this cover and this is shown on your Policy Schedule).
We will pay you up to £750 (after suitable deduction for wear and tear and depreciation) for accidental loss or theft of, or damage to, personal baggage during the period of insurance.
In the event of a claim you must provide us with any original receipts, proofs of purchase or insurance valuations (obtained prior to loss, theft or damage) which we may request.
Delayed Baggage
We will pay you up to a maximum of £100 to cover the purchase of essential items if you are temporarily deprived of your personal baggage due to misdirection in delivery on your outward journey for over 12 hours from the time you arrived at your trip destination abroad. You must keep all receipts for these items and send them with your claim form. Any amount paid will be deducted from the final claim settlement under this section if the items are permanently lost.
You are not covered
We will not pay for the following:
- more than £150 for any one article, pair or set of articles
- more than £250 in total in respect of valuables
- ski equipment or ski clothing
- loss, or theft of or damage to fragile articles, contact or corneal lenses, spectacles, sunglasses, bicycles or business goods or samples
- loss, or theft of or damage to sports equipment whilst in use
- loss or damage whilst in the custody of an airline or other carrier unless you report it immediately on discovery to the carrier and get a written report. In the case of an airline you will need a Property Irregularity
Report (PIR)
- loss, theft or suspected theft of your personal baggage that you do not report to the Police within 24 hours of discovery and you do not get a written report from them
- loss or damage to your personal baggage caused by normal wear and tear, gradual deterioration or mechanical or electrical breakdown, decay, moth, vermin, atmospheric or climatic conditions
- personal baggage left out of sight and out of personal control in public places (e.g. station, airport, restaurant, beach, etc)
- any loss, or theft of personal baggage from unattended motor cycles or motor vehicles (other than locked vehicles where there is evidence of forcible entry or exit and provided the items were not visible from the
vehicle exterior, and where the forcible entry or exit is verified by a Police report)
- any loss of valuables packed in a suitcase, or similar container (other than normal hand-luggage) unless they are at all times attended by you, or left in hotel security, safety deposit box, safe or similar locked fixed receptacle
- any loss, or theft of valuables from an unattended vehicle unless between the hours of 09:00 and 21:00 and locked in the boot, covered luggage area or locked glove compartment and following physical
evidence of forcible entry and reported to the appropriate Police authority and a report obtained from them
- loss of or damage to valuables (other than wedding rings) while you are swimming
- any items left in the custody of a person who does not have official responsibility for the safekeeping of the property.

Section 1
Cancellation - up to £1,000
We will pay you up to £1,000 for pre-booked travel and accommodation expenses which are not recoverable elsewhere and which you have paid or contracted to pay in the UK (including excursions) should you have to cancel your trip before you leave your home or place of business as a result of:
1. the death, injury or illness of you, your relative or colleague or of any person with whom you had arranged to travel, or a friend or relative who lives abroad with whom you had arranged to stay
2. your attendance at a court of law as a witness or for Jury Service where postponement of the Jury Service has been denied by the Clerk of the Courts Office
3. your redundancy
4. your compulsory quarantine, or Government restriction following an epidemic which prevents you from travelling
5. your home becoming uninhabitable following serious fire, storm or flood within 14 days prior to your scheduled departure date.
Any payment we make to you is dependent on you observing the following:
- seeking an opinion on the advisability of making the trip from your registered doctor if you have a pre-existing medical condition, taking into account your chosen trip destination, the climatic conditions, the stability of your condition, the effect of any additional drugs or vaccines necessary and the standard of the medical services available notifying the travel agent, tour operator or provider of transport or accommodation immediately you know you will be cancelling the trip. We will only pay the cancellation charges that would have applied at the time you knew it was necessary to cancel your trip if a valid claim existed.
You are not covered
We will not pay for the following:
- for the first £50 of the total claim under this section (£10 for Loss of Deposit claims only)
- if travel is against the advice of your doctor
- if you failed to contact and obtain written agreement from us, before starting your trip, having disclosed any material fact or pre-existing medical condition prior to the date of issue of the Policy Schedule
- any costs arising from your pregnancy or childbirth if the expected date of delivery is less than 12 weeks after the end of your trip, where pregnancy was known the day insurance was purchased or the holiday
booked
- any claim which is due to:
a. your failure to obtain the required passport or visa
b. your failure to obtain any recommended or required vaccines, inoculations or medications prior to your trip
c. you travelling for the purpose of obtaining medical treatment or in the knowledge that you are likely to need treatment
d. the failure in provision of any service connected with your trip including error, omission, financial failure, or default of, or by the provider of, any service, travel agent, tour operator/ organiser through whom you booked the trip
e. death or illness of any pets or animals
f. your disinclination to travel, or personal financial circumstances (other than your being made redundant after the start date of cover shown on the Policy Schedule)
g. any loss in respect of Air Passenger Duty (this can be reclaimed by you through your travel agent or airline)
h. the death, injury or serious illness of any person if their specific medical condition was known on the date you booked your trip and is the reason for your cancellation of the trip
i. your late arrival at the airport, port or station after check-in or booking-in time
j. any unlawful or criminal proceedings of anyone on whom the trip plans depend, other than attendance as a witness at a Court of Law
k. strike, industrial action, delays or disruptions if the situation exists, or is publicly declared on, the date the Policy Schedule is issued or on the date you booked the trip whichever is the later.
Section 2
Cutting Short your Trip - up to £1,000
Cutting short your trip is only applicable if you return to the UK earlier than planned.
We will pay you up to £1,000 for the value of the portion of your travel and/or accommodation arrangements (excluding the last day) which have not been used and which were paid for before your departure from
the UK if you have to unavoidably cut short your trip and return to your home earlier than planned due to:
1. the death, injury, or serious illness of yourself or the person(s) with whom you are travelling
2. the death, injury, or serious illness of your relative or colleague who is resident in the UK
3. your attendance at a court of law as a witness or for Jury Service where postponement of the Jury Service has been denied by the Clerk of Courts Office
4. you being called back by the Police after your home or usual place of business in the UK has suffered from burglary, serious fire, storm or flood.
We will pay for reasonable additional travel and accommodation expenses you incur in returning to the UK which on medical advice are necessary and unavoidable as a result of 1 and 2 opposite.
Any payment we make to you is dependent on you observing the following:
- having a prepaid return ticket to the UK at the start of your trip unless otherwise agreed by us in writing
- seeking an opinion on the advisability of making the trip from your registered doctor if you have a pre-existing medical condition, taking into account your chosen trip destination, the climatic conditions, the stability of your condition, the effect of any additional drugs or vaccines necessary and the standard of the medical services available
- you must not arrange in-flight medical care for your return journey without the permission of the Emergency Medical Assistance Helpline. Our medical advisers will consult with the doctors treating you to decide if this is necessary
- not travelling specifically to receive medical treatment during your trip or in the knowledge that you are likely to need treatment
- obtaining any recommended vaccines, inoculations or medications prior to your trip
- we may instruct you to return home if our medical advisers and the doctors treating you decide that you are fit to travel.
You are not covered
We will not pay for the following:
- for claims that are not confirmed as medically necessary by the Emergency Medical Assistance Helpline, and where a medical certificate has not been obtained from the attending Medical Practitioner abroad
confirming it is necessary to cut short your trip
- for additional travelling expenses incurred which are not authorised by us or the Emergency Medical Assistance Helpline, as detailed on page 2
- your decision not to continue with the trip for reasons other than those listed within Section 2
- any costs arising from your pregnancy or childbirth if the expected date of delivery is less than 12 weeks after the end of your trip
- your loss of enjoyment of the trip however caused
- if you travelled against the advice of your doctor
- if you failed to contact and obtain written authorisation from us, before starting your trip, having disclosed any material fact or pre-existing medical condition before the start date of cover shown on your Policy Schedule
- any costs relating to the death, injury or serious illness of your relative or colleague resident in the UK where the condition giving rise to the claim is known to you at the date you book your trip
- your disinclination to continue to travel, or if cutting short your trip is requested because of psychiatric disorders, depression, anxiety, stress, phobias or personal financial circumstances
- death or illness of any pet or animals
- any unused portion of your original ticket where repatriation has been made.

Section 8
Personal Public liability - up to £2,000,000
We will pay up to a maximum of £2,000,000 plus costs of defence of a claim agreed between us in writing for any event occurring during the trip which you are legally liable to pay that relate to an incident caused by you and which results in:
1. injury, illness, death or disease to another person
2. loss of or damage to property which does not belong to you or any relative and is neither in your charge nor under your control or that of your relative.
In respect of UK and Channel Islands residents on trips within the UK and Channel Islands, this section only applies when you are travelling as a fare-paying passenger on public transport.
You are not covered
We will not pay for the following claims arising directly or indirectly for any liability for loss of or damage to property, or injury, illness or disease:
- where an indemnity is provided under any other insurance
- which are suffered by anyone who is under a contract of service with you or your relative and is caused by the work you employ them to do
- which are caused by any deliberate, unlawful, malicious or wilful act or omission by you
- which are caused by your employment, profession or business or that of any relative
- for any claim against a relative
- which are caused by your ownership, care, custody or control of any animal
- which falls on you by agreement and would not have done if such agreement did not exist
- which are due to any criminal proceedings
- which are due to your ownership, possession or use of vehicles, aircraft, watercraft, firearms or explosive devices
- which are caused by your ownership or occupation of land or buildings (other than occupation only of any temporary residence, excepting time-share)
- which are caused by you having HIV (Human Immunodeficiency Virus) and/or any HIV related illnesses including AIDS (Acquired Immune Deficiency Syndrome) and/or any mutant derivatives or variations thereof however caused.
Our total liability under all such insurances arising from any one incident or series of incidents shall not exceed £2,000,000.
You must send us any writ, summons or other legal documents as soon as you receive them. You must also give us any information and help we need to deal with the case and your claim. You must not negotiate, pay, settle, admit or deny any claim without our written agreement.

Halifax Pre-Travel advice helpline - 0208 763 3350
We are in a position to provide advice on the following:
- Currency regulations, limits and rules
- Health inoculation requirements, epidemics, availability of specific medicines
- Visa requirements and procedures
- Emergency messaging service
- Help with replacement of lost or stolen tickets, passports or travel documents.
Whilst youre there:
- Always check that the tap water is drinkable
- Avoid raw or under-cooked food
- Dont leave your baggage or valuables unattended at any time, especially at airports and hotels (valuables must be kept in a fixed, locked receptacle)
- Use safety deposit boxes whenever theyre available
- The sun abroad can be much stronger than you are used to at home. To prevent sunburn and sunstroke always apply protective creams regularly
- Always retain all receipts for medical expenses
- Report losses/theft to the Police immediately and obtain a report
- Make sure you take your insurance details with you.

Worldwide medical emergency service
If you need to go to hospital, require emergency medical assistance during your trip or need to return to the UK , you must call the Emergency Medical Assistance Helpline first for authorisation.
You must call the Emergency Medical Assistance Helpline immediately or as soon as reasonably possible, but within 48 hours, to authorise any expenses in relation to any illness or accident abroad where you may require medical treatment or if you have to return early or extend your stay because of any illness or injury.
If you call us prior to any in-patient treatment we will direct you to a qualified, accredited medical provider who will bill us directly for the treatment you receive.
Please give the Emergency Medical Assistance Helpline your name, age and policy number.
It is a condition of the policy that the Emergency Medical Assistance Helpline will be responsible for all decisions on the most suitable, practical and reasonable solution to any problem.
For trips to USA/Canada (24 hours)
Phone: 1-888-253-0961 toll free
For trips to South America/Caribbean (24 hours)
Phone: 1-416-977-0412 non toll free
For trips to Europe and the rest of the world (24 hours)
Phone: 00 44 (0)845 600 6783

Hazardous activities
We provide cover for most activities provided the activity is an incidental part of a normal trip. Please be aware that the following activities are NOT covered:
- Flying of any kind other than as a fare-paying passenger
- Driving a car, van or lorry or similar form of motorised transport unless you have the appropriate licence to do so
- The use of motorcycles or mopeds, unless you are wearing a crash helmet and the person in control of the motorcycle or moped is in possession of a valid full motorcycle driving licence permitting the riding of that class of motorcycle or moped, and the motorcycle or moped has an engine capacity of 125cc or less
- Hang gliding
- Parachuting
- Sky diving or sky surfing
- Motor racing, motorcycle racing or sidecar racing
- Bullfighting
- Potholing or caving
- Mountaineering, cliff or rock climbing using ropes or guides
- Horse racing, eventing, hunting on horseback, polo, show jumping, endurance riding or rodeo
- Boxing, wrestling or martial arts
- Racing in motor boats
- High diving
- Scuba diving unless you are a qualified diver or a qualified instructor accompanies you, no cover applies for a depth greater than 30 metres or if you dive unaccompanied
- Yacht racing, ocean going racing or sailing in international waters
- Participation in any winter sports activities
- Ski racing, ski jumping, off piste skiing unless accompanied by a qualified guide or instructor, heliskiing, ice hockey, bobsleighing, the use of skeletons, toboggans or luges, freestyle skiing, competitive skiing
- Any sport as a professional
- Any team sport where the main purpose of the trip is to participate in that sport
- Paid or voluntary manual work.
Please telephone the Halifax Customer Helpline on 0845 600 6781* if you are unsure as to whether your intended activity is covered by this policy.

General exclusions applying to the whole policy
This insurance will not pay for any deterioration of or loss or damage to property, or any legal liability, injury, illness, death or expense, directly or indirectly due to, contributed to or caused by the following;
1. A pre-existing medical condition which was not accepted by us in writing, before you start your trip
2. You or your travelling companion having received a terminal prognosis, unless in respect of Section 1 (Cancellation) the terminal prognosis was received after the date of booking the trip
3. War, terrorist action, invasion, act of foreign enemy, hostilities (whether or not war has been declared), civil war, rebellion, military or usurped power, riot or civil commotion, or if you have deliberately put yourself in danger
4. Your failure to disclose a material fact
5. The use of motorcycles or mopeds, unless you are wearing a crash helmet and the person in control of the motorcycle or moped is in possession of a valid full motorcycle driving licence permitting the riding of that class of motorcycle or moped, and the motorcycle or moped has an engine capacity of 125cc or less
6. Air travel, other than as a passenger in a fully licensed passenger carrying aircraft, but not as a pilot or co-pilot, nor for the purpose of engaging in any trade or technical operation therein
7. Any travel undertaken against Foreign Office advice or where it is deemed unsafe for you to travel
8. Ionising radiations or contamination by radioactivity from any nuclear fuel or any nuclear waste from the combustion of nuclear fuel, or the radioactive toxic explosive or other hazardous properties of any explosive nuclear machinery or parts
9. Pressure waves caused by aircraft and other aerial devices travelling at sonic or supersonic speeds
10. Confiscation or destruction of property by any Customs, Government or other Authority of any country
11. Engaging in any hazardous activities which are not accepted in writing by us
12. Wilfully self-inflicted injury or illness or solvent abuse
13. You being under the influence of alcohol or drugs (except those prescribed by your registered Doctor, but not when prescribed for the treatment of drug addiction)
14. Your failure to obtain any required vaccines/inoculations or medications prior to your trip departure
15. Your suicide or attempted suicide or putting yourself at risk unless you are attempting to save a human life
16. Any dishonest, malicious or criminal act committed by you or any person with whom you are in collusion, or insurance arranged in circumstances where a claim might reasonably be anticipated
17. Your choosing to extend your trip beyond the permitted duration
18. Claims, other than under Section 3 (Medical Emergency and Repatriation Expenses), Section 4 (Hospital Benefit) and Section 5 (Personal Accident) which arise from, or are in any way connected (whether directly or indirectly) with, or exacerbated by, any actual or anticipated failure of any computer or electronic device, or component or system or embedded programming or software (whether or not belonging to or in the possession of the insured person)
19. Psychiatric disorders, depression, anxiety, stress or phobias.

General exclusions applying to the whole policy
This insurance will not pay for any deterioration of or loss or damage to property, or any legal liability, injury, illness, death or expense, directly or indirectly due to, contributed to or caused by the following;
3. War, terrorist action except under Section 3 - Medical Emergency and Repatriation Expenses and Section 5 - Personal Accident), invasion, act of foreign enemy, hostilities (whether or not war has been declared), civil war, rebellion, military or usurped power, riot or civil commotion, or if you have deliberately put yourself in danger.

General exclusions applying to the whole policy
This insurance will not pay for any deterioration of or loss or damage to property, or any legal liability, injury, illness, death or expense, directly or indirectly due to, contributed to or caused by the following;
3. War, terrorist action except under Section 3 - Medical Emergency and Repatriation Expenses and Section 5 - Personal Accident), invasion, act of foreign enemy, hostilities (whether or not war has been declared), civil war, rebellion, military or usurped power, riot or civil commotion, or if you have deliberately put yourself in danger.

General exclusions applying to the whole policy
This insurance will not pay for any deterioration of or loss or damage to property, or any legal liability, injury, illness, death or expense, directly or indirectly due to, contributed to or caused by the following;
18. Claims, other than under Section 3 (Medical Emergency and Repatriation Expenses), Section 4 (Hospital Benefit) and Section 5 (Personal Accident) which arise from, or are in any way connected (whether directly or indirectly) with, or exacerbated by, any actual or anticipated failure of any computer or electronic device, or component or system or embedded programming or software (whether or not belonging to or in the possession of the insured person).

Claims
Before you claim
If you lose your personal money, valuables or any items of personal baggage or if they are stolen you must notify the local police within 24 hours. Please make sure you get a copy of the police report.
Any loss or damage to personal baggage whilst in the custody of the carriers (airline, bus company etc.) must be notified immediately in writing to such carriers but in any event within seven days and a report
obtained.
How to make a claim
If you need to make a claim, please telephone the Claims Helpline on 0845 600 6781* quoting the number shown on your Policy Schedule and which section of the policy you are claiming under.

General conditions applying to the whole policy
1. We promise to act in good faith in all our dealings with you
2. To make sure that a claim is paid you must do the following:
- take all possible care to safeguard against accident, injury, loss, damage or theft
- give us full details in writing of any incident which may result in a claim under this insurance within 31 days of occurrence
- pass on to us every writ, summons, legal process, legal document or other communication in connection with the claim
- provide all necessary information and assistance that we may require at your expense (including where necessary medical certification and details of your household insurance)
3. You must not admit liability for any event, or offer to make any payment, without our prior written consent
4. The terms of this insurance policy can only be altered if we or the insurers agree. Any alteration may require you to pay an additional premium
5. You must have been living in the UK and have been a resident of the UK for a continuous period (excluding holidays) of at least 6 months prior to the date of issue of the Policy Schedule, been registered with a UK General Practitioner and had your main place of work in the UK
6. You must start each trip from your home or place of business in the UK and return to your home or place of business in the UK at the end of each trip, within the permitted trip duration, unless otherwise agreed
by us.
You agree that we, and/or the insurers can:
1. Make your insurance void where any claim is found to be fraudulent
2. Share information with other Insurers to prevent fraudulent claims via a register of claims. A list of participants is available on request. Any information you supply on a claim, together with information you have supplied on any application form and other information relating to a claim, may be provided to the register participants
3. Take over and act in your name in the defence or settlement of any claim made under this insurance
4. Take proceedings in your name but at our expense to recover for our benefit the amount of any payment made under this insurance
5. Obtain information from your medical records (with your permission) for the purpose of dealing with any medical claims. No personal information will be disclosed to any outside person or organisation without your prior approval
6. For policies with a period of insurance less than one month not refund the insurance premium (either in full or part) after the Policy Schedule has been issued. For all other policies these will be entitled to a full refund of the premium, unless a claim has been made or a trip taken, if you cancel within 14 days of the Policy Schedule issue date
7. Not pay you more than the amounts shown in the Schedule of Benefits and Excesses.
In addition
8. You agree that we only have to pay a proportionate amount of any claim where there is another Insurance Policy in force covering the same risk. You must give us details of such other insurance or proof of ownership
9. The laws of the United Kingdom allow both parties to choose the law which will apply to this contract. However, unless specified elsewhere in the contract, the law which applies to this contract is the law which applies to the part of the United Kingdom, Channel Islands or the Isle of Man in which you normally live unless written agreement has been given for another EU law to apply before the start date shown on the Policy Schedule. If there is any disagreement, we will use this Policy Booklet over any other assurances or statements, unless they are confirmed in writing and form part of the Insurance Policy as an endorsement
10. All communication between you and us will be in English
11. If you lose your personal money, valuables or any items of personal baggage or if they are stolen you must notify the local police within 24 hours.
Please make sure you get a copy of the police report.