Inghams Ski 06/07

If You sustain bodily injury or suffer illness outside the United Kingdom or the Republic of Ireland We will indemnify You up to the amount of £5,000,000 against the following expenses which You necessary incur outside the United Kingdom or the Republic of Ireland
1. Medical expenses including hospital charges, in-patient treatment authorised by Us and ambulance charges for conveyance to hospital. Dental treatment is included only for the alleviation of sudden pain, and does not apply to the provision of dentures, artificial teeth or work involving the use of precious material.
2. Reasonable additional traveling expenses in returning to Your home address in the United Kingdom or the Republic of Ireland and reasonable additional accommodation expenses beyond the number of days booked including in the event of serious injury or illness for which a claim is admissible under (l):
i. such expenses of one Relative or friend required on medical advice and authorised by Us or Our 24 Hour Medical Emergency Service to remain with or to travel to You, and
ii. the expenses of a qualified medical attendant required on medical advice to escort You home
3. Cost of returning Your body or ashes to Your home address in the United Kingdom or the Republic of Ireland or burial abroad in the country where death occurs up to £2,000.
4. Up to a maximum of £300 for pre-approved physiotherapy treatment received in the United Kingdom or the Republic of Ireland which the treating doctor certifies is medically necessary following Your accidental bodily injury sustained during the Period of Insurance and which injury necessitated medical treatment whilst abroad.
PROVIDED THAT : If physiotherapy treatment is required You must notify and obtain prior authorisation from the 24 hour Medical Emergency Service.
Specific Exclusions Applying to Section B - What Is not covered:
1. Expenses which You incur in Your normal country of residence other than detailed under item 4 of Section B.
2. Any in-patient or additional travel expenses not specifically authorised by Us or Our 24 Hour Medical Emergency Service,
3. Any expense which You incur more than twelve months alter the occurrence of the injury or illness to which the claim refers
4. Any expense which is not usual,reasonable or customary for the medical services to supply
5. Any expense for non-essential or on going treatment or where treatment can be reasonably delayed until Your return to the United Kingdom or the Republic of Ireland or for any form of cardiac or organ transplant surgery unless authorised by Us in advance of being performed or for the cost of a single bed/ward unless authorised by the 24 Hour Medical Emergency Service detailed below for medical reasons only or for the service of a chiropractor, chiropodist or osteopath or for non-medical costs
6. Any Excess shown in the Schedule .
7. for items fisted within Specific Exclusions applying to Sections A, B and C

If you sustain bodily injury caused solely by accidential violet external and visible means, and such bodily injury solely and directly results within twelve months in Your death or permanent loss of limb or loss of sight or permanent total disablement, we will pay you benefits in accordance with the following items:
Item 1 - Death - £15,000
Item 2 - Permanent loss by physical severance of hand or foot at or ankle or the total and permanent loss of use of en entire hand or arm or entire foot or lag or total and irrecoverable loss of all sight in one or both eyes - £25,000
Item 3 - Permanent total disablement resulting in Your permanent and absolute inability to attend to a profession, business or gainful occupation of any kind - £25,000
PROVIDED THAT:
1. If You are under 16 years of age the benefit under item 1 is limited to £1,000
2. If You are aged 65 years or over item 1 is limited to £1,000 and no compensation will be payable under items 2 and 3.
What is not covered.
1. i. 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 in-patient during the 6 months period immediately preceding the Date of Issue of this Certificate, or
ii.where You are on a hospital waiting list or in-patient treatment or where You are in receipt of a terminal prognosis, or
iii. any of the following conditions Heart related condition, Hypertension, Arterial Disease, Kidney Disease, Malignant Diseases (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 first page)
2. holiday arrangements made or undertaken
i. against the advice of any Registered Medical Practitioner
ii. for the purpose of obtaining medical treatment abroad
3. Your intentional self-injury, suicide or attempted suicide or wilful exposure to needless risk (except in the attempt to save a human life) the influence of intoxicating liquor or of a drug or drugs (unless prescribed by a Registered Medical Practitioner) or substance or solvent abuse, venereal disease or psychological or psychiatric disorder, anxiety, stress or depression
5. i. driving or being a passenger of a motor cycle, motor scooter or mechanically assisted cycle exceeding 125cc in engine capacity during the period of the holiday and/or
ii. motorcycling as either driver or a passenger unless the person driving holds a current valid full motorcycle license permitting them to drive such motorcycle, motor scooter or mechanically assisted cycle
6. Your engaging in manual work during the period of the holiday, bob-sleighing, snow rafting, para punting, hei-skiing other than if booked with SKI INGHAMS, ski acrobatics, ski joreing, any form of power assisted skiing or use of mechanised snow-mobiles except as provided by the recognised piste authorities for transport to and from areas designated for recreational skiing unless part of Your pre-booked holiday with SKI INGHAMS, steeplechasing, polo, hunting, professional sport, mountaineering (normally requiring the use of ropes or a guide),pot-holing .scuba or skin diving, any race speed or duration test or practice for such race or test (other than athletics or football or unless part of Your Pre-booked SKI INGHAMS ski school organised end of week event)or any Hazardous Pursuit
7. pregnancy or childbirth where the expected date of birth is before, or within 8 weeks of expiry of the Period of Insurance.

Cover under this Section is underwritten and administerd by DAS Legal Insurance Company Limited (DAS)
DAS agree to provide the insurance in this section as long as:
1. any legal proceedings will be dealt with by a court or other body which DAS agree to
2. in civil claims it is always more likely than not that an Insured Person will recover damages (or other legal remedy) or make a successful defense.
3. the Date of Occurrence of the Insured Incident happens during the Period of Insurance.
DAS will help in appealing or defending an appeal as long as the Insured Person informs DAS within the time limits allowed that they want to appeal. Before DAS pay the Legal Costs for appeals, DAS must agree that it is always more likely than not that the appeal will be successful. If an Appointed Lawyer is used, DAS will pay th Legal Costs incurred for this.
The maximum amount DAS will pay for all claims resulting from one or more event arising at the same time or from the same cause is £50,000.
Definition of Words Applying to this Section
APPOINTED LAWYER The lawyer, or other suitably qualified person, who has been appointed to act for an Insured Person under Condition 2 of this section.
DATE OF OCCURRENCE The date of the event which may lead to a claim. If there is more than one event arising at the same time or from the same cause, then the Date of Occurrence is the date of the first of these events.
INSURED INCIDENT DAS will negotiate for the Insured Person's legal rights after an event which causes the death of, or bodily injury to, an Insured Person.
LEGAL COSTS All reasonable and necessary costs charged by the appointed Lawyer on a standard basis. Also the costs incurred by opponents in civil cases if an Insured Person has to pay them, or pays them with the agreement of DAS.
What is not covered
DAS shall not be liable for;
1. Any claim reported to DAS more than 180 days after the date an Insured Person should have known about the Insured Incident.
2. Any Legal Costs that are incurred before DAS agree to pay them.
3. Any claim relating to any illness which develops gradually or is not caused by a specific or sudden accident.
4. An application for Judicial Review.
5. Written or verbal remarks which damage an Insured Person's reputation.
6. Fines, damages or other penalties which an Insured Person is ordered to pay by a court or other authority.
7. Defending an Insured Person's legal rights.
8. Any disagreement with DAS that is not in Specific Conditions 7.
9. Any legal action an Insured Person takes which DAS or the Appointed Lawyer have not agreed to or where the Insured Person does anything that hinders DAS or the Appointed Lawyer.
10. Any Legal Costs that are incurred where the Appointed Lawyer handles the claim under a contingency fee arrangement.
Specific Conditions
An Insured Person must :
1. (a) Send everything DAS ask for, in writing.
(b) Give DAS full details of any claim as soon as possible and give them any information they need.
2. (a) DAS can take over and conduct, in the name of an Insured Person, any claim or legal proceedings at any time before an Appointed Lawyer is appointed. DAS can negotiate any claim on behalf of an Insured Person.
(b) If DAS agree to start legal proceedings, or if there is a conflict of interest, an Insured Person can choose an Appointed Lawyer by sending DAS the lawyer's name and address. DAS may choose not to accept the choice of lawyer, but only in exceptional circumstances. If there is a disagreement over the choice of Appointed Lawyer, another lawyer can be appointed to decide the matter (see Specific Condition 7).
(c) Before an Insured Person chooses a lawyer, DAS can appoint an Appointed Lawyer.

We will indemnify You for the proportional amounts of irrecoverable prepaid charges You have paid or contracted to pay before the holiday departure date for Ski Equipment hire, lift passes and ski-school costs, and cannot recover, if during the period of Your holiday You are necessarily prevented from skiing for more than 24 hours following Your bodily injury or illness sustained during the period of Your holiday up to a maximum of £500.
PROVIDED THAT: You must submit to us a medical certificate from a qualified Medical Practitioner in the resort area in support of Your claim.
What is not covered: claims arising from:
1. Your intentional self-injury, suicide or attempted suicide or wilful exposure to a needless risk (except in an attempt to save human)
2. The influence of intoxicating liquor or of a drug or drugs (unless prescribed by a Medical Practitioner) or substance or solvent abuse, venereal disease or psychological or psychiatric disorder, anxiety, stress or depression
3. i. driving or being a passenger of a motor cycle, motor scooter or mechanically assisted cycle exceeding 125cc in engine capacity during the period of the holiday and/or
ii. motorcycling as either driver or a passenger unless the person driving holds a current valid full motorcycle license permitting them to drive such motorcycle, motor scooter or mechanically assisted cycle
4. You engaging in manual work during the holiday, bob-sleighing, snow rafting, para punting, heli-sking other than if booked with SKI INGHAMS, ski acrobatics, ski joreing, any form or power assisted skiing or use of mechanised snow-mobiles except as provided by the recognised piste authorities for transport to and from areas designated for recreational skiing, steeplechasing, polo, hunting, professional sport, mountaineering (normally requiring the use of ropes or guides), pot-holing, scuba diving, any race, speed or duration test or practice for such race or test (other than athletics or football or unless part of your pre-booked SKI INGHAMS ski school organised end of week event) or any Hazardous Pursuit.

We will indemnify You for an amount not exceeding £500 (Cash limited to £250) in respect of accidental loss or theft of Money whilst on Your person, or in a safety deposit box within a hotel or bank or in securely ticked holiday accommodation.
MONEY Personal Money taken for private purposes comprising coins, bank or currency notes postal or Money orders, travellers cheques, travel tickets, ski fit passes, passports, green card, petrol coupons, driving licences and phonecards.

For each insured person We will pay up to £200 for additional travel and accommodation expenses necessarily and unavoidably incurred due to You being prevented from reaching the Departure Airport, Port or International Rail Terminal prior to the Fight, International Train or Sailing leaving as a result of adverse weather conditions. This insurance is invited to £30 for each full period of 24 hours delay up to a maximum of £90 in all each Insured Person for additional travel and accommodation expenses and up to a further £110 for the cost of fight tickets necessarily purchased by SKI INGHAMS or Bladon Lines or their representative on Your behalf
Where SKI INGHAMS or Bladon Lines have incurred expense(s) and/or made payment(s) on Your behalf in relation to costs incurred under this Section, the Insurers will agree to make payment direct to SKI INGHAMS or Bladon Lines subject to the limits of this Section.
Payment shat not be made under both this Section and Section D (2) in respect of the same event.

If You are deprived of Your own Ski Equipment following loss of or damage to Your Ski Equipment, We will pay for the necessary hire of replacement equipment up to the amount of £125, subject to You keeping Your damaged Ski Equipment for Our inspection following Your return to the United Kingdom or the Republic of Ireland.
If You are temporarily deprived of Your Ski Equipment on the Outward Journey for a period for more than 12 hours from the time of arrival at the holiday destination due to delay or misdirection in delivery We will pay You up to the amount of £125 for the hire of alternative equipment.

We will indemnify You against less of or damage to personal baggage, clothing and personal effects belonging to You up to the amount of £1,500 (No single article being insured for more than £200)
PROVIDED THAT:
1. You take all reasonable precautions for the safety of the property insured
2. Our liability in respect of Valuables is limited to a total amount of £200. A camera or camcorder with all accessories, a bracelet or necklet with any attachment and any similar set or pair of items will be considered as one article
3. Any claims made in respect of temporary deprivation of personal baggage will be deducted from any subsequent claim where the property insured proves to be permanently lost .You must retain receipts for all replacement purchases
4. You must retain all hire receipts, tags and baggage label; and in the event of delay or misdirection in delivery of Your Ski Equipment, must obtain a Property Irregularity Report from Your airline or other carrier confirming the delay
5. You will supply at Your own expense a Statutory Declaration regarding any claim arising under this Section of the Certificate if so required
6. Our unit of liability in respect of loss of cash is £250 any one claim, reduced to £150 any one claim if the Insured is under 16 years of age.
What is not covered:
1. Loss or damage arising from wear and tear, depreciation or deterioration, any process of cleaning, repairing or restoring, atmospheric or climatic conditions, moth or vermin, mechanical breakdown or derangement
2. loss or theft or damage to contact or corneal lenses,sunglasses (unless provided to You under prescription), dentures, hearing aids, samples or merchandise or property used in connection with Your business or trade, bonds, coupons, securities, stamps or documents of any kind, vehicles or accessories, antiques, Musical Instruments whilst in the custody of any person other than You, pictures, Sports Equipment whilst in use (other than Ski Equipment), boats and/or ancillary equipment including windsurfing equipment and sailboards, caravan awnings, glass, china or any other articles of a brittle or fragile nature
3. Loss or damage to property shipped as freight or under a bill of lading
4. Loss due to delay, detention, confiscation, requisition or damage by Customs or other Officials or Authorities.

We will indemnify You against all travel or accommodation deposits or charges which You have paid or contracted to pay before the holiday departure date, and cannot recover in respect of any part of the holiday which you are necessary required to
1 cancel up to the Final Invoice Cost less Insurance Premiums as the direct result of any fortuitous cause over which You have no control and which happens after You bought this Insurance or Curtail as a direct result of:-
i.Your death, accidental bodily injury or illness, or that of a Relative or friend with whom You have arranged to travel or stay, or of Your Relative or a Close Business Associate
ii. You or any person with whom You have arranged to travel or stay being subject to compulsory quarantine or being summoned for Jury Service or as a witness in a Court of Law during the period of the holiday
iii. Your redundancy (qualifying) You to claim for payment under current Redundancy Payment Legislation) or that of any person with whom You intend to travel, provided that such notice of redundancy is advised to Us within 14 days of its announcement
iv. Your private dwelling becoming uninhabitable following fire, storm or food, or Your presence being required by the Police following burglary at such private dwelling occurring at any time after We have accepted this insurance
v. cancellation of scheduled pubic transport consequent upon hi-jack occurring during the Period of Insurance
vi. reasonable additional traveling expenses incurred by You in returning to Your home address in the United Kingdom or the Republic of Ireland, where such return is urgently necessitated by the death serious illness or severe injury of Your Relative or a Close Business Associate where such Relative or Close Business Associate is resident in the United Kingdom or the Republic of Ireland
vii. the holiday being interrupted because You have been confined to hospital for the rest of Your holiday because of injury or illness
PROVIDED THAT: If a holiday is curtailed through Your accident or illness,a doctor at the resort or the nearest town must confirm that such Curtailment is necessary .All Curtailment claims must be authorised in advance by the 24 Hour Medical Emergency Service detailed under Section B or by Us
What is not covered
1. Any expense following Your disinclination to travel or to continue with Your holiday or loss of enjoyment of Your holiday
2. Any expense arising from circumstances which could reasonably have been anticipated at the time You booked Your holiday
3. Anxiety stress or depression
4. Curtailment because of pregnancy or childbirth where the expected date of birth is before, or within 3 weeks of expiry of the Period of Insurance.
5. (Applicable to Section A (1) only)
i. Your failure to obtain the required passport or visa
ii. the operation of law
iii. the failure of any transport or accommodation provider, their agent or anybody who is acting as Your agent or Your conference organiser
iv. breakdown or theft of Your motor vehicle
v. financial circumstances or unemployment except when it is due to Redundancy that You received after obtaining this Insurance
vi. weather conditions except where severe weather conditions in the British Isles stops You from getting to the airport, international rail terminal or port in time to catch Your booked fight, international train or sailing vii. death of any pets or animals
viii. accident or mechanical failure of Your motor vehicle prior to Your departure
ix .Your abuse or prior abuse of solvents, drugs or alcohol
6. Any Excess shown in the Schedule .
7. for items listed within Specific Exclusions applying to Sections A, B and C.

If You miss Your booked departure due to late arrival at the point of international departure caused by accident or mechanical breakdown to the conveyance in which You are traveling in the course of:-
Your direct journey to the point of international departure immediately prior to commencement of the Outward Journey from the United Kingdom or the Republic of Ireland or Your direct journey to the point of international departure immediately prior to commencement of the Return Journey to the United Kingdom or the Republic of Ireland
We will up to the unit of £800 for additional travel charges which You necessarily and reasonably incur in the purchase of a ticket for an alternative journey.
Where SKI INGHAMS or Bladon Lines have incurred expense(s) and/or made payment(s) on Your behalf in relation to costs incurred under this Section, the Insurers will agree to make payment direct to SKI INGHAMS or Bladon Lines subject to the units of this Section
PROVIDED THAT :
1 .any payment in respect of 1(i) above will be deducted from any subsequent payment made under 1 (ii)
2. in respect of 1 above you must check in according to the itinerary provided by the Tour Operator or Carrier, and obtain written confirmation of the delay from such Tour Operator or Carrier
3. compensation as described in 1(ii) above is only payable in respect of delays on the Outward Journey from the United Kingdom or the Republic of Ireland
4. You must produce independent evidence in writing to support any claim
5. Our limit of liability under 1(ii) will not exceed the amount the Final Invoice Cost less insurance premiums for Section A -Cancellation .
What is not covered:
1. Circumstances which could reasonably have been anticipated at the date insurance was effected
2. Withdrawal from service (temporary or otherwise) of an aircraft or sea vessel on the recommendation of the Civil Aviation Authority or a Port Authority or any similar body in any country.
3. under item 2 in respect of any Excess shown in the Schedule.

We will indemnify You against all sums up to the amount of £2,000,000 which You legally liable in a personal capacity to pay in respect of accidents happening during the Period of Insurance resulting in
1. Bodily Injury, death or disease to any person not being a member of Your household in Your service
2. Damage to property not
i. belonging to You or
ii. in the charge of or under the control of You or a member of Your household or of a person in Your service
The indemnity provided by this Section extends to cover costs and expenses Recoverable by any claimant, provided they were incurred before the date (if any) on which We paid or offered to pay either the full amount of the claim or the total amount recoverable in respect of any one occurrence, and also to costs and expenses incurred by You with Our written consent.
In the event of Your death Your personal representative will receive the benefit of the cover granted by this Section
What Is not covered: claims arising:
1. directly or directly out of the ownership, possession or use (other than as a passenger having no right of control) of aircraft, model aircraft, caravans, trailers, watercraft (other than manually propelled craft), mechanically or electrically propelled vehicles and lifts
2. directly or indirectly out of the ownership, possession or use of animals or firearms
3. directly or indirectly out of or incidental to Your business trade or profession
4. out of actions between persons insured
5. directly or indirectly out of Your ownership of any land or buildings
6. out of any liability assumed under a contract unless such liability would have attached in any event in the absence of such contract
7. any Excess shown in the Schedule.

INTERNATIONAL MEDICAL RESCUE (IMR) provides immediate hep in the event of Your illness or injury arising outside the United Kingdom or the Republic of Ireland - they provide a 24 HOUR multi-Lingual emergency service 365 days a year and can be contacted by telephone, or fax
INTERNATIONAL MEDICAL RESCUE (IMR) Tel (44) 20 8669 9292 or fax (44) 20 8669 3442
IMPORTANT - please quote SKI INGHAMS and Your FOGG TRAVEL MEDI-CARD Number When You call upon the services of IMR it is a condition of the service that IMR shall solely be responsible for all decisions on the most suitable and reasonable solution to any medical problem. The service includes, where necessary:
1. Multi-lingual assistance with hospitals and doctors
2. Repatriation arrangements and necessary escorts by a medical attendant
3. Travel arrangements for other members of Your party or next-of-kin
4. On arrival in the United Kingdom or the Republic of Ireland, an ambulance service to hospital or home
NOTE TO THE TREATING DOCTOR International Medical Rescue must be contacted prior to treatment with full medical details. Failure to do this will mean medical expenses incurred cannot be guaranteed.
TO ALL VISITORS TO USA In the event of a Medical Emergency whilst in the USA 24 hour medical helpline Alliance International Assistance on (free phone) 1 800 2772078 Pin Number # 000 stating You are insured by CNA Insurance Company (Europe) Limited and quote 598643 SKI INGHAMS and Your FOGG TRAVEL MEDI-CARD Number. They will give You directions to an appropriate medical facility near You. Alliance International Assistance will tell International Medical Rescue and Us about your claim. Alliance International Assistance, Dallas, Texas, USA

Your attention is drawn to the definition of Hazardous Pursuit and also to the fact that certain other activities can be covered at an additional premium. Please contact Us or the issuing agent for advice.
HAZARDOUS PURSUIT Any pursuit or activity where it is recognised there is an increased risk of serious injury or can be reasonably expected to aggravate any existing infirmity (please contact Us if You are in any doubt with full details of the activity for Our consideration).

GENERAL EXCLUSIONS REGARDING ALL SECTIONS OF THIS CERTIFICATE
We shall not be liable for:-
1. Claims arising directly or indirectly from war, invasion, act of foreign enemy, hostilities (whether war be declared or not), civil war, terrorism, rebellion, revolution, insurrection or military or usurped power
2. Consequential loss of any kind
3. Damage to, or loss or destruction of any property or any loss or expense whatsoever arising from, or any consequential loss or any legal liability of whatsoever nature directly or indirectly caused by or contributed to, by or arising from:-
(a) lonising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel
(b) the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component of such assembly
4. Loss, destruction or damage directly occasioned by pressure waves caused by aircraft and other aerial devices travelling at sonic or supersonic speeds
5. Claims arising from flying or aerial activity of any kind (other than as a fare paying passenger in a fully licensed passenger carrying aircraft)
6. Claims arising directly or indirectly from Your wilful, malicious or unlawful act
7. Any claim or expense arising directly or indirectly from the failure of any computer equipment, integrated circuits, computer chips or computer software to correctly recognise the change to any date change.

CONDITIONS APPLYING TO THIS CERTIFICATE
1. YOUR DUTY
(a) You are not aware of any circumstances known at the time You purchase this Certificate which are likely to cause Cancellation or Curtailment of Your holiday.This includes any existing sickness or injury of any Relative which if this sickness or injury continued or deteriorated would mean You would have to cancel or curtail Your holiday.
(b) You must tell Us all facts which are likely to influence Us in the assessment or acceptance of Your insurance.If You have any doubt about what You need to tell Us please contact the intermediary who arranged this insurance Or You or Us
(c) You must at all times act in a reasonable manner to prevent or minimise a claim CHANGE IN RISK You will immediately advise Us of any changed circumstance which become apparent after the date of issue of this Certificate and before the commencement of the holiday which You could reasonably foresee as likely to give rise to a claim under the Certificate. We reserve the right
to alter the terms of the Insurance in the light of such changed circumstances. We will, subject to the terms, conditions and exclusions of the Certificate, indemnify You under Section A in respect of holiday deposits or charges which You have necessarily incurred up to the date of advice to Us of such changed circumstances.
3 CLAIMS - YOUR DUTIES
(a) You will advise Us of any occurrence which may give rise to a claim under this Certificate in writing as soon as is reasonably possible after the date of such occurrence and shall supply to Us all such accounts and other documents as We may reasonably require
(b)You will give Us notice in writing immediately You or Your legal representatives have knowledge of any impending prosecution, inquest or fatal inquiry in connection with any occurrence for which there may be liability under Section F of this certificate.
(c) You must inform the Police of 'all loss or theft of property within 24 hours of discovery and obtain a copy of the Police report in support of any claim under Sections E of this certificate.
(d) If personal baggage or Ski Equipment is lost or damaged whilst in the custody of a Carrier (i.e. Airline, Railway, Shipping Company, Bus Company, etc.), You must notify such Carver immediately and obtain a copy of their report.
CLAIMS - OUR RIGHTS
(a) No admission, offer, promise, payment or indemnity will be made or given by You or on Your behalf without Our written consent
(b) We will be entitled to take over and conduct in Your name the defence or settlement of any claim or to prosecute in Your name to Our own benefit in respect of any claim for indemnity or damages or otherwise, and will have full discretion in the conduct of any proceedings or in the settlement of any claim, and You will give all such information and assistance as We may require
(c) In case of illness or injury We may approach any doctor who may have treated You during the period of three years prior to the claim, and We may at Our own expense and upon reasonable notice to You or Your legal personal representative, arrange for You to be medically examined as often as required, or in the event of death have a post mortem examination of Your body.
(d) You will supply at Your expense a Doctor's Certificate in the form required by Us in support of any claim under Sections A, B, C or H of this Certificate.
5. FRAUD If any person makes any misrepresentation or concealment in obtaining this Certificate or in support of any claim this Certificate will be void.
6. OTHER INSURANCES Under Sections A, B, D, E, F, G, H, I and J We will not be liable in respect of y one claim where the event leading to the claim is insured by any other existing Policy or Policies, except in respect of any amount beyond that which is payable under such other Policy or Policies.
7. ARBITRATION If any difference shall arse as to the amount to be paid under Sections A, B, D, E or H of this certificate (liability otherwise being admitted), such difference shall be referred to arbitration under the Arbitration Acts for the time being in force. The making of an Award in such a case shall be a condition precedent to any right of action against Us.
8. PRECEDENTS TO LIABILITY The due observance and fulfilment of the terms, provisions, conditions and endorsement is of this Certificate in so far as they relate to anything to be done or complied with by You will be a condition precedent to Our liability to make any payment
9. JURISDICTION The parties are free to choose the Law applicable to this Insurance Contract. Unless specific agreed to the contrary, this insurance will be subject to English Law .

EXCESS The amount of money You will have to pay to contribute towards the cost of each claim under the Certificate, after the application of (i) the Certificate limits and (ii) Specific Exception (10) of Section E

£104.00
Free children offer applies to children aged under 18 on the day of departure, providing they are accompanied by an adult insured under this policy.

£122.00
Free children offer applies to children aged under 18 on the day of departure, providing they are accompanied by an adult insured under this policy.

£148.00
Free children offer applies to children aged under 18 on the day of departure, providing they are accompanied by an adult insured under this policy.

£176.00
Free children offer applies to children aged under 18 on the day of departure, providing they are accompanied by an adult insured under this policy.

£148.00
Free children offer applies to children aged under 18 on the day of departure, providing they are accompanied by an adult insured under this policy.

£176.00
Free children offer applies to children aged under 18 on the day of departure, providing they are accompanied by an adult insured under this policy.