Inghams Lakes and Mountains Travel Insurance

Pre-Existing Medical Conditions
It is a condition that:
Where you
i have any medical condition or on-going medical condition for which you have received treatment or have visited/been referred to a specialist or have been a hospital patient during the 6 months period immediately preceding the date of issue of this certificate, or
ii are on a hospital waiting list for in-patient treatment, or where you are in receipt of a terminal prognosis, or
iii are currently suffering or have previously suffered from any of the following medical conditions: Heart related condition, Hypertension, Arterial Disease, Kidney Disease, Malignant Disease (Cancer), Lung and/or respiratory Disease (including Asthma where you have received in-patient hospital treatment), Motor Neurone Disease, or had a Stroke
You MUST contact the medical helpline prior to effecting this insurance.
Cover for these conditions will only be provided following our acceptance. Unless reported and agreed by the medical helpline in writing the above conditions will be excluded.

Section 2 - Medical Emergency, Repatriation and Associated Expenses
If you are taken into hospital or you think you may have to come home early or extend your journey because of illness or accident, the emergency assistance company must be told immediately - see under the heading 'What to do if you need medical treatment or you need to be sent home (repatriated) while you are abroad' for more information.
What you are covered for
We will pay you or your legal representatives for the following necessary emergency expenses which you run up within six months of the incident for a journey.
Outside your home country and Great Britain during your journey.
1. Up to £5 million for reasonable fees or charges you run up for:
a medical, surgical, hospital, nursing home or nursing services;
b reasonable extra transport and accommodation costs for you and any other person who stays or travels with you or to you from the United Kingdom or the Republic of Ireland on medical advice (including for a replacement carer if your carer who has accompanied you on the journey is medically certified as being unable to care for you as a result of sickness or injury occurring during the period of the journey);
c transporting your body or ashes to your home or we will pay up to £1,000 for your funeral expenses, in the place where you die outside Great Britain or your home country;
d reasonable additional transport and accommodation costs incurred in the event of the necessary repatriation of you to your home place of business within the United Kingdom or the Republic of Ireland as a result of the sudden and unexpected death serious injury or serious illness, occurring during your journey, of your husband or wife, a relative, the person you are engaged to, a close business associate.
2. £15 for each 24 hour period that you are in hospital as an in-patient up to £1,000 in total during the journey as well as any fees or charges paid under 1 OR if you have pre-booked a walking tour or have pre-booked organised sporting activities up to £15 for each 24 hour period that you are in hospital as an in-patient or have to stay in a bed on the written advice of a doctor who treated you in the place where you were staying and which you cannot recover from anywhere else up to £1,000 in total during the journey.
3. Up to £250 for emergency dental treatment to relieve sudden pain.
4. Up to £150 for the cost of excursions booked and paid before your journey begins, which you cannot go on because you are in hospital or have to stay in bed on the written advice of the doctor who treated you in the place where you were staying and which you cannot recover from anywhere else.
What you are not covered for
Any claims arising from
- any medical condition or on going medical condition for which you have received treatment or have visited/been referred to a specialist or have been a hospital patient during the 6 months period immediately preceding the Date of Issue of this certificate, or
- where you are on a hospital waiting list for in-patient treatment or where you are in receipt of a terminal prognosis, or
- any of the following conditions Heart related condition, Hypertension, Arterial Disease, Kidney Disease, Malignant Disease (Cancer), Lung and/or respiratory Disease (including Asthma where you have received in-patient hospital treatment), Motor Neurone Disease, or had a Stroke (unless declared to us and agreed by us in writing prior to effecting this insurance, please refer to the Pre-Existing conditions box on the front cover)
1 and 3 An excess of £50 for each incident claimed for under this section, unless your claim is reduced because you used an E111 form within one of the European Union countries listed on the back of the form or any other reciprocal health agreement.
The cost of replacing any medication you were using when you began your journey.
1, 2, 3 and 4 Extra transport and accommodation costs which are of a higher standard to those already used on your journey, unless we or the emergency assistance company agree.
Anything caused by:
- you travelling against the advice of your doctor;
- you travelling to specifically to obtain medical treatment during your journey;
- you travelling in an aircraft (except as a passenger in a fully-licensed, passenger-carrying aircraft);
- your suicide, self-injury or deliberately putting yourself at risk (unless you were trying to save another person's life);
- you being under the influence of drugs (except those prescribed by a registered doctor but not for the treatment of drug addition);
- the direct or indirect effect of you using alcohol or solvents;
- you suffering from any diagnosed psychiatric disorder;
- motorcycling as a driver or passenger on machines exceeding 125cc engine capacity and/or motorcycling as either a driver or passenger unless the person driving the motorcycle holds a current valid motorcycle license;
- anything caused by you taking part in manual work, unless we agree in writing;
- you taking part in any dangerous activity (unless an extra premium has been paid for this cover);
- pregnancy or childbirth, where the pregnancy is more than 28 weeks'.
1a Services or treatments you receive within Great Britain or your home country.
Services or treatments you receive with the doctor in attendance and the emergency assistance company think can wait until you get back to Great Britain or your home country.
In-patient treatment or repatriation which the emergency assistance company has not authorised.
The extra costs of having a single or private room in a hospital or nursing home.
The cost of all treatment which is not directly related to the illness or injury that caused the claim.
1c Your burial or cremation within Great Britain of your home country.
3 Replacing or repairing false teeth or artificial teeth (such as crowns).
Dental work involving the use if precious metals.
You are not covered for anything mentioned in the conditions or general exclusions.

Section 4 - Personal Accident
What you are covered for
We will pay you or your legal representative one of the following amounts for an accident which must be caused by something external and visible.
1. £15,000 for death. (We will not pay more than £1,000 if you are under 16 or over 75 at the time of the accident.)
2. £15,000 for total and permanent loss of sight in one or both eyes or total permanent loss of one or both hands or feet.
3. £15,000 for a permanent total disablement as a result of which there is no work which aer able to do. (We will not pay compensation if you are over 75 at the time of the accident.) If you are not in paid work, we will provide some cover for any permanent disability which prevents you from doing all your usual activities.
What you are not covered for
Anything caused by:
- any accident that you suffer before your journey begins;
- your sickness, disease, physical or mental condition that is gradually getting worse;
- you travelling in an aircraft (except as a passenger in a fully-licensed, passenger-carrying aircraft);
- your suicide, self-injury or deliberately putting yourself as risk (unless you were trying to save another person's life);
- you being under the influence of drugs (except those prescribed by a registered doctor but not for the treatment of drug addiction);
- the direct or indirect effect of you using alcohol or solvents;
- motorcycling as a driver or passenger on machines exceeding 125cc engine capacity and/or motorcycling as either a driver or passenger unless the person driving the motorcycle holds a current valid full motorcycle license;
- you taking part in manual work, unless we agree in writing;
- you taking part in any dangerous activity (unless an extra premium has been paid for this cover).
We will not pay more than one of the benefits resulting from the same injury.
You are not covered for anything mentioned in the conditions or general exclusions.

Section 2 - Medical Emergency, Repatriation and Associated Expenses
If you are taken into hospital or you think you may have to come home early or extend your journey because of illness or accident, the emergency assistance company must be told immediately - see under the heading 'What to do if you need medical treatment or you need to be sent home (repatriated) while you are abroad' for more information.
What you are covered for
We will pay you or your legal representatives for the following necessary emergency expenses which you run up within six months of the incident for a journey.
Outside your home country and Great Britain during your journey.
2. £15 for each 24 hour period that you are in hospital as an in-patient up to £1,000 in total during the journey as well as any fees or charges paid under 1 OR if you have pre-booked a walking tour or have pre-booked organised sporting activities up to £15 for each 24 hour period that you are in hospital as an in-patient or have to stay in a bed on the written advice of a doctor who treated you in the place where you were staying and which you cannot recover from anywhere else up to £1,000 in total during the journey.

Section 2 - Medical Emergency, Repatriation and Associated Expenses
If you are taken into hospital or you think you may have to come home early or extend your journey because of illness or accident, the emergency assistance company must be told immediately - see under the heading 'What to do if you need medical treatment or you need to be sent home (repatriated) while you are abroad' for more information.
What you are covered for
We will pay you or your legal representatives for the following necessary emergency expenses which you run up within six months of the incident for a journey.
Outside your home country and Great Britain during your journey.
3. Up to £250 for emergency dental treatment to relieve sudden pain.

Section 2 - Medical Emergency, Repatriation and Associated Expenses
If you are taken into hospital or you think you may have to come home early or extend your journey because of illness or accident, the emergency assistance company must be told immediately - see under the heading 'What to do if you need medical treatment or you need to be sent home (repatriated) while you are abroad' for more information.
What you are covered for
We will pay you or your legal representatives for the following necessary emergency expenses which you run up within six months of the incident for a journey.
Outside your home country and Great Britain during your journey.
1. Up to £5 million for reasonable fees or charges you run up for:
a medical, surgical, hospital, nursing home or nursing services;
b reasonable extra transport and accommodation costs for you and any other person who stays or travels with you or to you from the United Kingdom or the Republic of Ireland on medical advice (including for a replacement carer if your carer who has accompanied you on the journey is medically certified as being unable to care for you as a result of sickness or injury occurring during the period of the journey);
c transporting your body or ashes to your home or we will pay up to £1,000 for your funeral expenses, in the place where you die outside Great Britain or your home country;

Section 2 - Medical Emergency, Repatriation and Associated Expenses
If you are taken into hospital or you think you may have to come home early or extend your journey because of illness or accident, the emergency assistance company must be told immediately - see under the heading 'What to do if you need medical treatment or you need to be sent home (repatriated) while you are abroad' for more information.
What you are covered for
We will pay you or your legal representatives for the following necessary emergency expenses which you run up within six months of the incident for a journey.
Outside your home country and Great Britain during your journey.
1. Up to £5 million for reasonable fees or charges you run up for:
a medical, surgical, hospital, nursing home or nursing services;
b reasonable extra transport and accommodation costs for you and any other person who stays or travels with you or to you from the United Kingdom or the Republic of Ireland on medical advice (including for a replacement carer if your carer who has accompanied you on the journey is medically certified as being unable to care for you as a result of sickness or injury occurring during the period of the journey);
c transporting your body or ashes to your home or we will pay up to £1,000 for your funeral expenses, in the place where you die outside Great Britain or your home country;

Section 3 - Personal Possessions and Persona Money
What you are covered for
4. Up to £500 for loss or theft of your personal money while on your journey.

Section 3 - Personal Possessions and Personal Money
What you are covered for
3. Up to £250 towards the costs of replacing your passport if it is lost, stolen or destroyed on your journey.

Section 10 - Hijack
What you are covered for
To pay you £25 for each complete period of 24 hours up to a maximum of £500 in all if during your journey you are delayed as a direct result of the conveyance upon which you are travelling being hijacked.

Section 3 - Personal Possessions and Personal Money
What you are covered for
It will be our decision to pay either:
- the cost of repairing your items;
- to replace your items; or
- the cost of replacing your items less an amount for wear, tear and loss of value.

Section 3 - Personal Possessions and Personal Money
What you are covered for
1. Up to £1,750 in total for your personal possessions that are damaged, stolen, lost or destroyed on your journey. It will be our decision to pay either:
- the cost of repairing your items;
- to replace your items; or
- the cost of replacing your items less an amount for wear, tear and loss of value.
2. Up to £50 in for total essential replacement items, if your personal possessions are lost or stolen on your outward journey for more than 12 hours from when you arrived at your destination, if your personal possessions are lost or stolen on your outward journey for more than 24 hours from when you arrived at your destination we will pay a further £50 for each full 24 hours up to £150 in total. You must send us the receipts for anything that you buy. We will take any amount we pay from the final claim settlement if the items are permanently lost.
3. Up to £250 towards the costs of replacing your passport if it is lost, stolen or destroyed on your journey.
4. Up to £500 for loss or theft of your personal money while on your journey.
Special Conditions applying to claims under this Section
1. You must keep all your tickets and luggage tags.
2. You must get an estimate for repair for all damage claims. If possible, you should keep the damaged items so that we can inspect them and if we make a payment or we replace an item, the item will then belong to us.
3. 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. If the losses or theft happens while you are travelling, you must tell the carriers and get a property irregularity report from them.
4. You must keep to the carrier's condition of carriage.
5. You must not abandon any property.
What you are not covered for
1 and 4 An excess of each incident claimed for under this section.
More than £200 for any single article, pair or set of any kind, whether jointly owned or not.
More than the part of the pair or set that is stolen, lost or destroyed
More than £250 in total for valuables, whether jointly owned or not.
Breakage of or damage to sports equipment while it is being used, fragile articles, works of art, paintings, sculptures, computer games, musical instruments, audio, video, computer, television, fax, phone, portable satellite and scuba diving equipment and household goods unless the breakage or damage is caused by fire or accident to the vehicle in which they are being carried.
Loss of damage due to the climate, wear and tear, reduction in value, moths or vermin.
Losses not reported to the local police within 24 hours of discovery and written report obtained
The cost of replacing or repairing false teeth.
1 and 2 Personal possessions sent as freight (such as suitcases you send ahead of you).
3 Compensation unless you get a letter from the consulate you reported the loss to.
1, 2 and 3 Loss or theft, or damage to the following.
- Films, tapes, cassettes, cartridges or discs, unless they were pre-recorded, in which case we will pay up to the replacement cost.
- Goods which deteriorate, bottles or cartons, and any damage caused by these items or their contents.
- Pedal cycles, wheelchairs, prams, pushchairs or baby buggies except while they are being carried by public transport, mobile phones and/or accessories.
- Property specifically covered by other insurance.
- Mobile phones and/or accessories
- Valuables left in a motor vehicle.
- Valuables carried in suitcases, trunks or similar containers unless they are with you all the time.
- Valuables unless they are with you all the time or locked in a safe or safety deposit box (if one is available) or locked in the accommodation you are using on your journey.
- Contact or corneal lenses.
- Bonds, share certificates, guarantees or documents of any kind.
- Personal possessions that are not with you all the time unless they are locked in the accommodation you are using on your journey, or they are out of sight in the locked boot or covered luggage area of a locked motor vehicle which has been broken into (no cover for valuables).
- Personal money.
4. More than £250 in cash in total while on you, whether jointly owned or not.
Compensation unless you can provide receipts of the amount you had from the place where you got the currency.
Loss or theft of personal money, unless it is with 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.
Loss caused by a reduction in exchange rates or shortage caused by mistakes in exchanging
Loss of traveller's cheques where the place where you got them provides a replacement service.
Travel Tickets paid for using Air Miles.
You are not covered for anything mentioned in the conditions or general exclusions.

Section 3 - Personal Possessions and Personal Money
What you are covered for
1. Up to £1,750 in total for your personal possessions that are damaged, stolen, lost or destroyed on your journey. It will be our decision to pay either:
- the cost of repairing your items;
- to replace your items; or
- the cost of replacing your items less an amount for wear, tear and loss of value.
2. Up to £50 in for total essential replacement items, if your personal possessions are lost or stolen on your outward journey for more than 12 hours from when you arrived at your destination, if your personal possessions are lost or stolen on your outward journey for more than 24 hours from when you arrived at your destination we will pay a further £50 for each full 24 hours up to £150 in total. You must send us the receipts for anything that you buy. We will take any amount we pay from the final claim settlement if the items are permanently lost.
3. Up to £250 towards the costs of replacing your passport if it is lost, stolen or destroyed on your journey.
4. Up to £500 for loss or theft of your personal money while on your journey.
Special Conditions applying to claims under this Section
1. You must keep all your tickets and luggage tags.
2. You must get an estimate for repair for all damage claims. If possible, you should keep the damaged items so that we can inspect them and if we make a payment or we replace an item, the item will then belong to us.
3. 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. If the losses or theft happens while you are travelling, you must tell the carriers and get a property irregularity report from them.
4. You must keep to the carrier's condition of carriage.
5. You must not abandon any property.
What you are not covered for
1 and 4 An excess of each incident claimed for under this section.
More than £200 for any single article, pair or set of any kind, whether jointly owned or not.
More than the part of the pair or set that is stolen, lost or destroyed
More than £250 in total for valuables, whether jointly owned or not.
Breakage of or damage to sports equipment while it is being used, fragile articles, works of art, paintings, sculptures, computer games, musical instruments, audio, video, computer, television, fax, phone, portable satellite and scuba diving equipment and household goods unless the breakage or damage is caused by fire or accident to the vehicle in which they are being carried.
Loss of damage due to the climate, wear and tear, reduction in value, moths or vermin.
Losses not reported to the local police within 24 hours of discovery and written report obtained
The cost of replacing or repairing false teeth.
1 and 2 Personal possessions sent as freight (such as suitcases you send ahead of you).
3 Compensation unless you get a letter from the consulate you reported the loss to.
1, 2 and 3 Loss or theft, or damage to the following.
- Films, tapes, cassettes, cartridges or discs, unless they were pre-recorded, in which case we will pay up to the replacement cost.
- Goods which deteriorate, bottles or cartons, and any damage caused by these items or their contents.
- Pedal cycles, wheelchairs, prams, pushchairs or baby buggies except while they are being carried by public transport, mobile phones and/or accessories.
- Property specifically covered by other insurance.
- Mobile phones and/or accessories
- Valuables left in a motor vehicle.
- Valuables carried in suitcases, trunks or similar containers unless they are with you all the time.
- Valuables unless they are with you all the time or locked in a safe or safety deposit box (if one is available) or locked in the accommodation you are using on your journey.
- Contact or corneal lenses.
- Bonds, share certificates, guarantees or documents of any kind.
- Personal possessions that are not with you all the time unless they are locked in the accommodation you are using on your journey, or they are out of sight in the locked boot or covered luggage area of a locked motor vehicle which has been broken into (no cover for valuables).
- Personal money.
4. More than £250 in cash in total while on you, whether jointly owned or not.
Compensation unless you can provide receipts of the amount you had from the place where you got the currency.
Loss or theft of personal money, unless it is with 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.
Loss caused by a reduction in exchange rates or shortage caused by mistakes in exchanging
Loss of traveller's cheques where the place where you got them provides a replacement service.
Travel Tickets paid for using Air Miles.
You are not covered for anything mentioned in the conditions or general exclusions.

Section 1 - Cancellation or Curtailment charges
If you think you may have to cut your journey short (curtail), the emergency assistance company must be told immediately - see under the heading 'What to do if you need medical treatment or you need to be sent home (repatriated) while you are abroad' for more information.
What you are covered for
We will pay up to the final invoice cost of the journey in total for your part of the costs of unused personal accommodation, transport charges and extra travel expenses which have been paid or where there is a contract to pay. This includes up to £150 for cover for excursions which were booked and paid before your journey begins, which cannot be recovered from anywhere else.
We will provide this cover in the following necessary circumstances.
1. If you cancel your journey before it begins because of reasons beyond your control and which happens after your policy was issued.
2. Or, if you cut your journey short (curtail) after it has begun because of one of the following.
a) The death, serious injury or serious illness of you, your husband or wife, someone you are travelling with, a relative, the person you are engaged to, a close business associate who lives in the United Kingdom or the Republic of Ireland or a friend you were going to stay with.
b) You or someone you are travelling with or you were going to stay with is called for jury service or as a witness in a Court of Law.
c) You or someone you are travelling with is needed by the police following a burglary, or damage caused by serious fire, storm, flood, explosion, subsidence, vandalism, fallen trees, impact by aircraft or vehicle at your home or their home or usual place of business in the United Kingdom or the Republic of Ireland.
d) You are injured or ill and are in hospital for the rest of your journey.
e) Severe weather stops you from making your outward journey from the United Kingdom or the Republic of Ireland.
We will calculate curtailment claims from the day it is necessary for you to return to the United Kingdom or the Republic of Ireland or you are hospitalised as an in-patient, for the rest of your journey. We will pay personal accommodation and extra travel expenses based on each 24 hour period you have lost. If we pay extra transport costs in the event of your repatriation your unused travel tickets will then belong to us.
What you are not covered for
Any claims arising from
Any medical condition or on going medical condition for which you have received treatment or have visited/been referred to a specialist or have been a hospital patient during the 6 months period immediately preceding the Date of Issue of this Certificate, or
Where you are on a hospital waiting list for in-patient treatment or where you are in receipt of a terminal prognosis, or
- any of the following conditions Heart related condition, Hypertension, Arterial Disease, Kidney Disease, Malignant Disease (Cancer), Lung and/or respiratory Disease (including Asthma where you have received in-patient hospital treatment), Motor Neurone Disease, or had a Stroke (unless declared to us and agreed by us in writing prior to effecting this insurance, please refer to the pre-existing conditions box on the front cover).
An excess of £50 (or £15 if you are only claiming for your lost deposit) for each incident claimed for under this section.
Travel tickets paid for using Air Miles.
Anything caused by:
- you not having the correct passport or visa;
- you travelling against the advice of your doctor;
- any restriction caused by the law of any country or people enforcing these laws;
- bankruptcy or liquidation of the company providing your transport or accommodation, their agents or any person acting for you;
- anything the company providing your transport or accommodation, their agents, any person acting for you or your conference organiser is responsible for;
- your vehicle being stolen or breaking down;
- you not wanting to travel or not enjoying your holiday;
- you travelling to specifically to obtained medical treatment during your journey;
- riot, civil commotion, strike or lock-out;
- you travelling in an aircraft (except as a passenger in a fully-licensed, passenger-carrying aircraft);
- your suicide, self-injury or deliberately putting yourself at risk (unless you were trying to save another person's life);
- you being under the influence of drugs ( except those prescribed by a registered doctor but not for the treatment of drug addiction);
- you suffering from any diagnosed psychiatric disorder;
- the direct or indirect effect of you using alcohol or solvents;
- the death of any pet of animal.
1 Any extra cancellation charges 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.
Cancellation because of pregnancy or childbirth, where the pregnancy would have been more than 28 weeks at the beginning of the journey (unless this was confirmed after your policy was issued and is medically necessary).
Financial circumstances or unemployment, except caused by redundancy which you find out about after your policy was issued.
2 Cutting short your journey unless the emergency assistance company has agreed.
Cutting short your journey because of pregnancy or childbirth, where the pregnancy is more than 28 weeks.
Anything caused by you not getting 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 early because of death, injury or illness. The emergency assistance company's doctor must have agreed with the reason and that you were fit to travel.
The cost of your original pre-booked tickets if you have not used them and we have paid extra transport costs.
Motorcycling as a driver or passenger on machines exceeding 125cc engine capacity and/or motorcycling as either a driver or passenger unless the person driving the motorcycle holds a current valid full motorcycle license.
Anything caused by you taking part in manual work, unless we agree in writing.
Anything caused by you taking part in a dangerous activity (unless the extra premium has been paid for this cover).
You are not covered for anything mentioned in the conditions or general exclusions.

Section 5 - Missed Departure
What you are covered for
We will pay you to £800 compensation for the cost of extra accommodation and transport which you have to pay to get to your journey destination or back home because you do not get to the departure point by the time shown in your travel itinerary (plans) because:
- public transport does not run to its timetable; or
- the vehicle you are travelling in has an accident or breaks down PROVIDED THAT the vehicle has been serviced in accordance with the manufacturers recommendations.
- temporary closure of the international rail terminal port, or airport from which you due to depart to any event beyond their control, unless otherwise excluded.
- abnormal and unforeseeable traffic congestion which you can prove resulted in an increase in the time that such journey would normally take of more than two hours.
What you are not covered for
Any journey within the United Kingdom not involving a sea crossing.
Compensation unless you get a letter from the public transport provider (if this applies) confirming that the service did not run on time.
Compensation unless you 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.
Compensation, unless you have allowed time in your travel plans for delays which are expected.
Any delay caused by a riot, civil commotion, strike or industrial action which began or was announced before your policy was issued.
Failure of public transport caused by a 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. You are not covered for anything mentioned in the conditions or general exclusions.

Section 6 - Departure Delay
What you are covered for
Compensation if the flight, international train or sailing you are booked on is delayed at it's departure point by more than 8 hours from the time shown in your travel itinerary (plans) because of:
- A serious fire, storm or flood damage to the departure point;
- industrial action;
- bad weather;
- mechanical breakdown of the international train or sea vessel; or
- the grounding of the aircraft due to a mechanical or a structural defect.
We will pay
1. £20 after the first full 8 hours of delay and £10 after each extra delay of 12 hours up to £200 in total; or
2. up to the final invoice cost of the journey in total for your part of the costs of the journey which have been paid or where there is a contract to pay before the start of the journey which you cannot recover from anywhere else, if, after you have been delayed for more than 12 hours, you decide to abandon the journey before you leave the United Kingdom or the Republic of Ireland.
What you are not covered for
2 An excess of £50 for each incident claimed for under this section.
Travel tickets paid for using Air Miles.
1 and 2 Anything which is caused by you not checking in at the departure point when you should have done.
Missed connections.
Any journey within the United Kingdom not involving a sea crossing.
Compensation unless you get a letter from the airline, railway company or shipping line giving the reason for the delay and showing the scheduled departure time and the actual departure time of the flight, international train or sea vessel.
Any delay caused by a riot, civil commotion, strike or industrial action which began or was announced before your policy was issued.
You are not covered for anything mentioned in the conditions or general exclusions.

Section 6 - Departure Delay
What you are covered for
Compensation if the flight, international train or sailing you are booked on is delayed at it's departure point by more than 8 hours from the time shown in your travel itinerary (plans) because of:
- A serious fire, storm or flood damage to the departure point;
- industrial action;
- bad weather;
- mechanical breakdown of the international train or sea vessel; or
- the grounding of the aircraft due to a mechanical or a structural defect.
We will pay
1. £20 after the first full 8 hours of delay and £10 after each extra delay of 12 hours up to £200 in total; or
2. up to the final invoice cost of the journey in total for your part of the costs of the journey which have been paid or where there is a contract to pay before the start of the journey which you cannot recover from anywhere else, if, after you have been delayed for more than 12 hours, you decide to abandon the journey before you leave the United Kingdom or the Republic of Ireland.
What you are not covered for
2 An excess of £50 for each incident claimed for under this section.
Travel tickets paid for using Air Miles.
1 and 2 Anything which is caused by you not checking in at the departure point when you should have done.
Missed connections.
Any journey within the United Kingdom not involving a sea crossing.
Compensation unless you get a letter from the airline, railway company or shipping line giving the reason for the delay and showing the scheduled departure time and the actual departure time of the flight, international train or sea vessel.
Any delay caused by a riot, civil commotion, strike or industrial action which began or was announced before your policy was issued.
You are not covered for anything mentioned in the conditions or general exclusions.

Section 7 - Personal Liability
If you are hiring a motorised or mechanical vehicle, while on your journey you must make sure that you get the necessary insurance from the hire company. We do not cover this under our policy.
What you are covered for
We will pay up to £2 million plus any other costs we agree to in writing that relate to anything you cause during your journey for which you are legally liable and 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 any member of your family have not hired, loaned or borrowed.
3. Loss of or damage to the accommodation you are using on your journey that does not belong to you or a member of your family.
You are not covered for
Any liability for bodily injury or loss of or damage to property that comes under any of the following categories.
- Something that is suffered by anyone employed by you or a member of your family and is caused by the work they are employed to do.
- Something which is caused by something you deliberately did or did not do.
- Something which is caused by your employment or any member of your family's employment.
- Something which is caused by you using any firearm or weapon.
- Something which is caused by any animal you own, look after or control, except horses, domestic dogs and cats.
- Something which you agree to take responsibility for which you would not otherwise have been responsible for.
- Any liability for bodily injury, suffered by you or any member of your family.
Compensation or other costs caused by accidents arising from your ownership or possession of any of the following.
- The use of any land or building except for the accommodation you are using on your journey.
Motorised or mechanical vehicles and any trailers attached to them.
- Aircraft, motorised water craft or sailing vessels, except boats designed for and being used as accommodation on your journey.
You are not covered for anything mentioned in the conditions or general exclusions.

Section 11 - Catastrophe
What you are covered for
To pay you £50 for each full period of 24 hours up to a maximum of £400 in all in respect of reasonable additional and otherwise irrecoverable accommodation expenses incurred by you as a result of being forced to move from the accommodation booked in advance for the journey following an emergency or a government provincial government municipal or local declaration of such emergency occurring during the journey.

General Exclusions Applying To The Whole Policy
1. We will not cover you for any loss, injury, damage, illness, death or legal liability arising directly or indirectly from, or consisting of, the following.
a) A relevant fact that you knew about before you travelled, unless we agreed to it in writing.
b) i. was, invasion, acts of foreign enemies, hostilities (whether was be declared or not) civil war or any act condition or warlike operation incident to war
ii. warlike action by a regular or irregular military force or civilian agents, or any action taken by any government, sovereign or other authority to hinder or defend against an actual or expected attack.
iii. Insurrection, rebellion, revolution, attempt to usurp power, or popular uprising, or any action taken by government or martial authority in hindering or defending against any of these
iv. discharge, explosion, or use of a weapon of mass destruction whether or not employing nuclear fission or fision, or chemical, biological, radioactive or similar agents, by any party at any time for any reason
v. Terrorist Action or any action taken by anyone to prevent real or perceived imminent Terrorist Action or to address ongoing Terrorist Action (See definitions Section)
c) You not following any suggestions or recommendations made by any government or other official authority during the period of insurance.
d) Your property being held, taken, destroyed or damaged under the order of any government or customs officials.
e) Winter Sports.
f) Ionising radiation or radioactive contamination from nuclear fuel or nuclear waste or any risk from nuclear equipment.
g) Any currency exchange rate changes.
h) The failure or fear of failure or inability of any equipment or any computer programme, whether or not you own it, to recognise or to correctly interpret or process any date as the the true correct date, or to continue to function correctly beyond that date (except under sections 2 and 4).
2. Any loss caused as a direct or indirect result of anything you are claiming for, unless it says differently in the policy.
3. Except for sections 4, 5, 8 and 9 the excess is limited to £80 where one claim relates to two or more members of the same family covered by this policy and living at the same address or where incident results in you claiming under two or more sections.

General Exclusions
1. We will not cover you for any loss, injury, damage, illness, death or legal liability arising directly or indirectly from, or consisting of, the following:
h) The failure or fear of failure or inability of any equipment or any computer programme, whether or not you own it, to recognise or to correctly interpret or process any date as the true or correct date, or to continue to function correctly beyond that date (except under sections 2 and 4).

Conditions applying to the whole policy
We will act in good faith in all our dealings with you.
We will only pay your claim if you meet the following conditions:
1. You are a resident of the United Kingdom or the Republic of Ireland.
2. You take reasonable care to protect yourself and your property against accident, injury, loss and damage.
3. You have a valid confirmation and deposit receipt.
4. You get a medical certificate from the doctor who treated you when a claim is made for medical reasons. If you die, Fogg Travel Insurance Services Limited need to see the death certificate, and any other necessary documents.
5. You write to Fogg Travel Insurance Services Limited as soon as possible with full details of anything which may result in a claim.
6. You send Fogg Travel Insurance Services Limited every writ, summons or other communication to do with a claim as soon as you get it.
7. You give Fogg Travel Insurance Services Limited all the information, documents, evidence vouchers, receipts and bills Fogg Travel Insurance Services Limited need (including details of your household insurance under which your valuables may need to be insured separately depending on their value). You must do this at your own expense.
8. You do not admit liability or offer to pay any claim unless you have our written permission.
9. You accept that we will not extend the period of cover for a journey if the original policy plus any extensions have either ended, been in force for more than 12 months or you know you will be making a claim.
10. You accept that no alterations to the terms and conditions of the policy apply, unless we or our issuing agent confirm them in writing.
We have the right to do the following:
1. Cancel the policy and make no payment if you make a fraudulent claim.
2. Only cover you for the whole of your journey and not issue a policy if you have started your journey.
3. Take over and deal with, in your name, any claim you make under this policy.
4. Take legal action in your name (but at our expense) and ask you to give us details and fill in any forms (including Department of Social Security forms) which will help us to recover any payment we have made under this policy.
5. Get information from your medical records (with your permission) to help us or our representatives deal with any claim. We will not give personal information about you to any other person or organisation without your specific agreement.
6. Send you home at anytime during your journey if you are taken ill or injured. We will only do this if the doctor treating you and the emergency assistance company doctor agree. If there is a dispute, we will ask for an independent medical opinion.
7. Not accept liability if you refuse to be repatriated.
8. Cancel this policy without refunding your premium if your journey is cancelled or cut short.
9. Refuse to give you any refund of your premium or transfer the premium, unless you find that the terms and conditions of the policy do not meet your needs. In this case, return the policy and confirmation and deposit receipt to where your policy was issued within 14 days and we will consider a refund.
10. Not to pay any claim on this policy (except under section 4) for any amounts you can get back from someone or somewhere else or anything which is covered by another insurance policy.
11. Pay any claim on this policy under the law of the country you usually live in, if within the United Kingdom, otherwise English law will apply. Any legal disputes will be dealt with in a English court.
12. Settle all claims on pounds sterling.