Inghams Lakes and Mountains Travel Insurance

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...expand

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)
- Any claim arising from a material fact known to you at the time of buying this policy or which occurs between booking and travel unless it has been disclosed to us and we have agreed in writing any terms applicable.
- Extra transport and accomodation 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 specifically to obtain medical treatment during your journey or in the knowledge that you are likely to need treatment;
- you travelling in an aircraft (except as a passenger in a fully-licensed, passenger-carrying aircraft);
- your carriers refusal to allow you to travel for whatever reason.
- 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 psychological or psychiatric disorder, mental instability, anxiety, stress or depression;
- 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);
- you are not covered for anything mentioned in the general conditions or exclusions.
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.
1 & 3 An excess of £50 for each incident claimed under this section, unless your claim is reduced because you use a European Health Insurance Card (EHIC) in one of the European Union countries listed on the back of the form or any reciprocal health arrangement.
- The cost of replacing any medication you were using when you began your journey.
3. Replacing or repairing false teeth or artificial teeth (such as crowns).
Dental work involving the use if precious metals.
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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...expand

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.collapse

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...expand

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.collapse

Section 3 - Personal Possessions and Personal Money What you are covered for 1. Up to £2,000 in total for your personal possessions that are damaged,...expand

Section 3 - Personal Possessions and Personal Money
What you are covered for
1. Up to £2,000 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 £250 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
- Breakage of or damage to sports equipment while it is being it is being used, fragile articles, works of art, paintings, sculptures, computer games, musical instruments, audio, video, computer, television, fax, phone, portable sat elite device 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 or 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.
- You are not covered for anything mentioned in the conditions or general exclusions.
1 - 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.
1 & 2 - Personal possessions sent as freight (such as suitcases you send ahead of you).
1 & 4 - An excess of £50 for each incident claimed for under this section.
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
- 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).
- 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.
3 - Compensation unless you get a letter from the consulate you reported the loss to.
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 to pay 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.
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Section 3 - Personal Possessions and Personal Money What you are covered for 1. Up to £2,000 in total for your personal possessions that are damaged,...expand

Section 3 - Personal Possessions and Personal Money
What you are covered for
1. Up to £2,000 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 £250 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
- Breakage of or damage to sports equipment while it is being it is being used, fragile articles, works of art, paintings, sculptures, computer games, musical instruments, audio, video, computer, television, fax, phone, portable sat elite device 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 or 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.
- You are not covered for anything mentioned in the conditions or general exclusions.
1 - 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.
1 & 2 - Personal possessions sent as freight (such as suitcases you send ahead of you).
1 & 4 - An excess of £50 for each incident claimed for under this section.
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
- 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).
- 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.
3 - Compensation unless you get a letter from the consulate you reported the loss to.
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 to pay 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.
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Section 3 - Personal Possessions and Personal Money What you are covered for 1. Up to £2,000 in total for your personal possessions that are damaged,...expand

Section 3 - Personal Possessions and Personal Money
What you are covered for
1. Up to £2,000 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 £250 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
- Breakage of or damage to sports equipment while it is being it is being used, fragile articles, works of art, paintings, sculptures, computer games, musical instruments, audio, video, computer, television, fax, phone, portable sat elite device 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 or 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.
- You are not covered for anything mentioned in the conditions or general exclusions.
1 - 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.
1 & 2 - Personal possessions sent as freight (such as suitcases you send ahead of you).
1 & 4 - An excess of £50 for each incident claimed for under this section.
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
- 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).
- 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.
3 - Compensation unless you get a letter from the consulate you reported the loss to.
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 to pay 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.
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Section 3 - Personal Possessions and Personal Money What you are covered for 1. Up to £2,000 in total for your personal possessions that are damaged,...expand

Section 3 - Personal Possessions and Personal Money
What you are covered for
1. Up to £2,000 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 £250 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
- Breakage of or damage to sports equipment while it is being it is being used, fragile articles, works of art, paintings, sculptures, computer games, musical instruments, audio, video, computer, television, fax, phone, portable sat elite device 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 or 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.
- You are not covered for anything mentioned in the conditions or general exclusions.
1 - 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.
1 & 2 - Personal possessions sent as freight (such as suitcases you send ahead of you).
1 & 4 - An excess of £50 for each incident claimed for under this section.
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
- 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).
- 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.
3 - Compensation unless you get a letter from the consulate you reported the loss to.
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 to pay 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.
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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...expand

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.
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Section 1 - Cancellation or Curtailment charges If you think you may have to cut your journey short (curtail), the emergency assistance company must be...expand

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).
- Any claim arising from a material fact known by you at the time of buying this policy or which occurs between booking and travel unless it has been disclosed to us and we have agreed in writing any terms applicable.
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;
- you traveling specifically to receive medical treatment during the journey or in the knowledge that you are likely to need treatment.
- 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 obtain 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 carriers refusal to allow you to travel for whatever reason.
- 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.
- You are not covered for anything mentioned in the conditions or general exclusions.
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.
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.
- 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).
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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...expand

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 £100 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
- 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.
2 - An excess of £50 for each incident claimed for under this section.
- Travel tickets paid for using Air Miles.
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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...expand

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 £100 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
- 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.
2 - An excess of £50 for each incident claimed for under this section.
- Travel tickets paid for using Air Miles.
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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...expand

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 £100 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
- 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.
2 - An excess of £50 for each incident claimed for under this section.
- Travel tickets paid for using Air Miles.
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Section 2 - Medical Emergency, Repatriation and Associated Expenses An excess of £50 for each incident claimed under this section, unless your claim...expand