JS Insurance AXA - Standard

Important conditions relating to health
This insurance policy is designed to cover You for unforeseen accidents and illnesses occurring during the Period of Insurance.
You must comply with the following conditions to have the full protection of Your policy.
If You do not comply We may at Our option cancel the policy or refuse to deal with Your claim or reduce the amount of any claim payment.
You will not be covered under Section A - Cancellation or Curtailment, Section B - Emergency Medical and Other Expenses, Section C - Hospital Benefit and Section D - Personal Accident for any claims arising directly or indirectly from:
1. At the time of purchasing this insurance:
a) Any pre-existing Medical Condition that You have.
b) Any Medical Condition for which You have received a terminal prognosis.
c) Any Medical Condition for which You have not had a diagnosis.
d) Any Medical Condition for which You are on a waiting list for surgery in a hospital or clinic.
2. At any time:
a) Any Medical Condition You have in respect of which a Medical Practitioner has advised You not to travel or would have done so had You sought his/her advice.
b) Any Medical Condition You have and for which You are not taking the recommended treatment or prescribed medication as directed by a Medical Practitioner.
c) Any Medical Condition You have and for which You are travelling with the intention of obtaining treatment outside of the United Kingdom or within the Channel Islands.
d) Pregnancy or childbirth where You are expected to give birth within eight weeks of the start of the Trip, during the Trip or within eight weeks of the end of the Trip.
You should also refer to the general exclusions on page 3.

Section B - Emergency Medical and Other Expenses
What is covered
We will pay You up to £5,000,000 for the following expenses which are necessarily incurred within 12 months of the incident as a result of Your suffering Bodily Injury or illness and/or compulsory quarantine:
1. Emergency medical, surgical, hospital, ambulance and nursing fees and charges incurred:
a) outside the United Kingdom or
b) within the Channel Islands
2. Emergency dental treatment for the immediate relief of pain (to natural teeth only) up to a limit of £150 incurred:
a) outside the United Kingdom or
b) within the Channel Islands
3. In the event of Your death outside the United Kingdom the reasonable additional cost of funeral expenses abroad up to a maximum of £1,500 plus the reasonable cost of conveying Your ashes to Your Home, or the additional costs of returning Your body to Your Home.
4. Reasonable additional transport (economy class) or accommodation expenses incurred, up to the standard of Your original booking, if it is medically necessary for You to stay beyond Your scheduled return date.
This includes, with the prior authorisation of AXA Assistance, reasonable additional transport or accommodation expenses for a friend or Close Relative to remain with You or travel to You from the United Kingdom or escort You and additional travel expenses to return You to Your Home if You are unable to use the return ticket.
5. With the prior authorisation of AXA Assistance, the additional costs incurred in the use of air transport or other suitable means, including qualified attendants, to repatriate You to Your Home if it is medically necessary. Repatriation expenses will be in respect only of the identical class of travel utilised on the outward journey unless AXA Assistance agree otherwise.
Special conditions relating to claims
1. You must give notice as soon as possible to AXA Assistance or Us of any Bodily Injury or illness which necessitates Your admittance to hospital as an in-patient or before any arrangements are made for Your repatriation.
2. In the event of Your Bodily Injury or illness We reserve the right to relocate You from one hospital to another and arrange for Your repatriation to the United Kingdom at any time during the Trip. We will do this if in the opinion of the Medical Practitioner in attendance or AXA Assistance You can be moved safely and/or travel safely to the United Kingdom to continue treatment.
What is not covered
1. The first £50 of each and every claim per incident for each Insured Person but limited to £100 in all if Family Cover or Single Parent Cover applies.
2. Any claims arising directly or indirectly in respect of:
a) Costs of telephone calls, other than calls to AXA Assistance notifying them of the problem for which You are able to provide a receipt or other evidence to show the cost of the call and the number telephoned.
b) The cost of treatment or surgery, including exploratory tests, which are not directly related to the Bodily Injury or illness which necessitated Your admittance into hospital.
c) Any expenses which are not usual, reasonable or customary to treat Your Bodily Injury or illness.
d) Any form of treatment or surgery which in the opinion of the Medical Practitioner in attendance and AXA Assistance can be delayed reasonably until Your return to the United Kingdom.
e) Expenses incurred in obtaining or replacing medication, which at the time of departure is known to be required or to be continued outside the United Kingdom.
f) Additional costs arising from single or private room accommodation.
g) Treatment or services provided by a health spa, convalescent or nursing home or any rehabilitation centre unless agreed by AXA Assistance.
h) Any expenses incurred after You have returned to the United Kingdom.
i) Expenses incurred as a result of a tropical disease where You have not had the recommended inoculations and/or taken the recommended medication.
j) Your decision not to be repatriated after the date when in the opinion of AXA Assistance it is safe to do so.
3. Anything mentioned in the general exclusions on page 3.
You should also refer to the Important conditions relating to health on page 3.

Section D - Personal Accident
Special Definitions (which are shown in italics)
Loss of limb
- means loss by permanent severance of an entire hand or foot or the total and permanent loss of use of an entire hand or foot.
Loss of sight
- means total and irrecoverable loss of sight.
What is covered
We will pay one of the benefits shown below if You sustain Bodily Injury which shall solely and independently of any other cause, result within two years in Your death, loss of limb, loss of sight or permanent total disablement.
BENEFIT   Up to age  Age 16 years to
    15 years inclusive 65 years inclusive
1. Death   £1,000   £10,000
2. Loss of one or more limbs and/or
loss of sight in one or both eyes £25,000   £25,000
3. Permanent total disablement £25,000   £25,000
Special conditions relating to claims
1. Our Medical Practitioner may examine You as often as they deem necessary in the event of a claim.
Provisions
1. Benefit is not payable to You:
a) Under more than one of items 1, 2 or 3.
b) Under item 3. until one year after the date You sustain Bodily Injury.
c) Under item 3. if You are able or may be able to carry out any gainful employment or gainful occupation.
What is not covered
1. Anything mentioned in the general exclusions on page 3.

Section C - Hospital Benefit
What is covered
We will pay You £15 for every complete 24 hours You have to stay in hospital as an inpatient:
a) outside the United Kingdom or
b) within the Channel Islands
up to a maximum of £300 as a result of Bodily Injury or illness You sustain. We will pay the amount above in addition to any amount payable under Section B - Emergency Medical and Other Expenses.
Special conditions relating to claims
1. You must give notice as soon as possible to AXA Assistance or Us of any Bodily Injury or illness which necessitates Your admittance to hospital as an in-patient.
What is not covered
1. Any claims arising directly or indirectly from:
a) Any additional period of hospitalisation relating to treatment or surgery, including exploratory tests, which are not directly related to the Bodily Injury or illness which necessitated Your admittance into hospital.
b) Hospitalisation relating to any form of treatment or surgery which in the opinion of the Medical Practitioner in attendance and AXA Assistance can be delayed reasonably until Your return to the United Kingdom.
c) Any additional period of hospitalisation relating to treatment or services provided by a convalescent or nursing home or any rehabilitation centre.
d) Hospitalisation as a result of a tropical disease where You have not had the recommended inoculations and/or taken the recommended medication.
e) Any additional period of hospitalisation following Your decision not to be repatriated after the date when in the opinion of AXA Assistance it is safe to do so.
2. Anything mentioned in the general exclusions on page 3.

Section B - Emergency Medical and Other Expenses
What is covered
We will pay You up to £5,000,000 for the following expenses which are necessarily incurred within 12 months of the incident as a result of Your suffering Bodily Injury or illness and/or compulsory quarantine:
2. Emergency dental treatment for the immediate relief of pain (to natural teeth only) up to a limit of £150 incurred:
a) outside the United Kingdom or
b) within the Channel Islands

Section B - Emergency Medical and Other Expenses
What is covered
We will pay You up to £5,000,000 for the following expenses which are necessarily incurred within 12 months of the incident as a result of Your suffering Bodily Injury or illness and/or compulsory quarantine:
3. In the event of Your death outside the United Kingdom the reasonable additional cost of funeral expenses abroad up to a maximum of £1,500 plus the reasonable cost of conveying Your ashes to Your Home, or the additional costs of returning Your body to Your Home.

Section B - Emergency Medical and Other Expenses
What is covered
We will pay You up to £5,000,000 for the following expenses which are necessarily incurred within 12 months of the incident as a result of Your suffering Bodily Injury or illness and/or compulsory quarantine:
3. In the event of Your death outside the United Kingdom the reasonable additional cost of funeral expenses abroad up to a maximum of £1,500 plus the reasonable cost of conveying Your ashes to Your Home, or the additional costs of returning Your body to Your Home.

Section N - Overseas Legal Expenses and Assistance
What is covered
We will pay up to £25,000 for legal costs to pursue a civil action for compensation if someone else causes You Bodily Injury, illness or death.
Where there are two or more Insured Persons insured by this policy, then the maximum amount payable by Us for all such claims shall not exceed £50,000.
Special conditions relating to claims
1. We shall have complete control over the legal case through agents they nominate, by appointing agents of their choice on Your behalf with the expertise to pursue Your claim.
2. You must follow Our agents advice and provide any information and assistance required within a reasonable timescale.
3. You must advise Us of any offers of settlement made by the negligent third party and You must not accept any such offer without Our consent.
4. We will decide the point at which Your legal case cannot usefully be pursued further. After that no further claims can be made against Us.
5. We may include a claim for Our legal costs and other related expenses.
6. We may, at Our own expense, take proceedings in Your name to recover compensation from any third party in respect of any indemnity paid under this policy. You must give such assistance as We shall reasonably require and any amount recovered shall belong to Us.
What is not covered
We shall not be liable for:-
1. The first £250 of each and every claim per incident for each Insured Person.
2. Any claim where in Our opinion there is insufficient prospect of success in obtaining reasonable compensation.
3. Legal costs and expenses incurred in pursuit of any claim against a travel agent, tour operator, carrier, Us, AXA Assistance or their agents, someone You were travelling with, a person related to You, or another Insured Person.
4. Legal costs and expenses incurred prior to Our written acceptance of the case.
5. Any claim where the legal costs and expenses are likely to be greater than the anticipated amount of compensation.
6. Any claim where legal costs and expenses are based directly or indirectly on the amount of compensation awarded (for example a Contingency Fee Agreement).
7. Legal costs and expenses incurred in any claim which is capable of being pursued under a Conditional Fee Agreement.
8. Legal costs and expenses incurred if an action is brought in more than one country.
9. Any claim where in Our opinion the estimated amount of compensation payment is less than £1,000 for each Insured Person.
10. Travel, accommodation and incidental costs incurred to pursue a civil action for compensation.
11. Costs of any Appeal.
12. Claims occurring within the United Kingdom.
13. Claims by You other than in Your private capacity.
14. Anything mentioned in the general exclusions on page 3.

Section B - Emergency Medical and Other Expenses
What is covered
We will pay You up to £5,000,000 for the following expenses which are necessarily incurred within 12 months of the incident as a result of Your suffering Bodily Injury or illness and/or compulsory quarantine:
5. With the prior authorisation of AXA Assistance, the additional costs incurred in the use of air transport or other suitable means, including qualified attendants, to repatriate You to Your Home if it is medically necessary. Repatriation expenses will be in respect only of the identical class of travel utilised on the outward journey unless AXA Assistance agree otherwise.

Section I - Missed Departure
What is covered
We will pay You up to £1,000 for reasonable additional accommodation (room only) and travel expenses necessarily incurred in reaching Your overseas destination or returning to the United Kingdom if You fail to arrive at the international departure point in time to board the Public Transport on which You are booked to travel on the initial international journey of the Trip as a result of:
1. the failure of other Public Transport or
2. an accident to or breakdown of the vehicle in which You are travelling or
3. an accident or breakdown occurring ahead of You on a motorway or dual carriage way which causes an unexpected delay to the vehicle in which You are travelling or
4. strike, industrial action or adverse weather conditions You may claim only under Section I - Missed departure or Section H - Delayed departure for the same event, not both.
Special conditions relating to claims
1. In the event of a claim arising from any delay occurring on a motorway or dual carriage way You must obtain written confirmation from the Police or emergency breakdown services of the location, reason for and duration of the delay.
2. You must allow sufficient time for the Public Transport or other transport to arrive on schedule and to deliver You to the departure point.
What is not covered
1. The first £50 of each and every claim per incident for each Insured Person but limited to £100 in all if Family Cover or Single Parent Cover applies.
2. Claims arising directly or indirectly from:
a) Strike or industrial action existing or declared publicly by the date this insurance is purchased by You.
b) An accident to or breakdown of the vehicle in which You are travelling for which a professional repairers report is not provided.
c) Breakdown of any vehicle in which You are travelling if the vehicle is owned by You and has not been serviced properly and maintained in accordance with manufacturers instructions.
d) 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. Additional expenses where the scheduled Public Transport operator has offered reasonable alternative travel arrangements.
4. Any claim for missed internal flights, only the first outward bound and last inward bound flight is covered under this policy.
5. Anything mentioned in the general exclusions on page 3.

Section H - Delayed Departure
What is covered
If departure of the Public Transport on which You are booked to travel is delayed at the final departure point from or to the United Kingdom for at least 12 hours from the scheduled time of departure due to:
a) strike or
b) industrial action or
c) adverse weather conditions or
d) mechanical breakdown of or a technical fault occurring in the Public Transport on which You are booked to travel
We will pay You:
1. £20 for the first completed 12 hours delay and £20 for each full 12 hours delay thereafter up to a maximum of £200 or
2. up to £3,000 for any irrecoverable unused travel and accommodation costs and other pre-paid charges which You have paid or are contracted to pay if after a minimum 12 hours has elapsed, You choose to cancel Your Trip You may claim only under subsection 1. or 2. above for the same event, not both.
You may claim only under Section H - Delayed Departure or Section I - Missed Departure for the same event, not both.
Special conditions relating to claims
1. You must check in according to the itinerary supplied to You.
2. You must obtain confirmation from the carriers (or their handling agents) in writing of the number of hours of delay and the reason for the delay.
3. You must comply with the terms of contract of the travel agent, tour operator or provider of transport.
What is not covered
1. The first £50 of each and every claim per incident for each Insured Person under subsection 2. above but limited to £100 in all if Family Cover or Single Parent Cover applies.
2. Claims arising directly or indirectly from:
a) Strike or industrial action or air traffic control delay existing or publicly declared by the date this insurance is purchased by You.
b) 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. Anything mentioned in the general exclusions on page 3.

Section H - Delayed Departure
What is covered
If departure of the Public Transport on which You are booked to travel is delayed at the final departure point from or to the United Kingdom for at least 12 hours from the scheduled time of departure due to:
a) strike or
b) industrial action or
c) adverse weather conditions or
d) mechanical breakdown of or a technical fault occurring in the Public Transport on which You are booked to travel
We will pay You:
1. £20 for the first completed 12 hours delay and £20 for each full 12 hours delay thereafter up to a maximum of £200 or
2. up to £3,000 for any irrecoverable unused travel and accommodation costs and other pre-paid charges which You have paid or are contracted to pay if after a minimum 12 hours has elapsed, You choose to cancel Your Trip You may claim only under subsection 1. or 2. above for the same event, not both.
You may claim only under Section H - Delayed Departure or Section I - Missed Departure for the same event, not both.
Special conditions relating to claims
1. You must check in according to the itinerary supplied to You.
2. You must obtain confirmation from the carriers (or their handling agents) in writing of the number of hours of delay and the reason for the delay.
3. You must comply with the terms of contract of the travel agent, tour operator or provider of transport.
What is not covered
1. The first £50 of each and every claim per incident for each Insured Person under subsection 2. above but limited to £100 in all if Family Cover or Single Parent Cover applies.
2. Claims arising directly or indirectly from:
a) Strike or industrial action or air traffic control delay existing or publicly declared by the date this insurance is purchased by You.
b) 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. Anything mentioned in the general exclusions on page 3.

Section G - Personal Liability
What is covered
We will pay up to £2,000,000 (inclusive of legal costs and expenses) against any amount You become legally liable to pay as compensation for any claim or series of claims arising from any one event or source of original cause in respect of accidental:
1. Bodily Injury, death illness or disease to any person who is not in Your employment or who is not a Close Relative or member of Your household.
2. Loss of or damage to property that does not belong to and is neither in the charge of or under the control of You, a Close Relative, anyone in Your employment or any member of Your household other than any temporary holiday accommodation occupied (but not owned) by You.
Special conditions relating to claims
1. You must give Us written notice as soon as possible of any incident, which may give rise to a claim.
2. You must forward every letter, writ, summons and process to Us as soon as You receive it.
3. You must not admit any liability or pay, offer to pay, promise to pay or negotiate any claim without Our written consent.
4. We will be entitled if We so desire to take over and conduct in Your name the defence of any claims for indemnity or damages or otherwise against any third party. We shall have full discretion in the conduct of any negotiation or proceedings or in the settlement of any claim and You shall give Us all necessary information and assistance which We may require.
5. In the event of Your death, Your legal representative(s) will have the protection of this cover provided that such representative(s) comply(ies) with the terms and conditions outlined in this policy.
What is not covered
1. Compensation or legal costs arising directly or indirectly from:
a) Liability which has been assumed by You under agreement unless the liability would have attached in the absence of such agreement.
b) Pursuit of any business, trade, profession or occupation or the supply of goods or services.
c) Ownership possession or use of vehicles aircraft or watercraft (other than surfboards or manually propelled rowboats, punts or canoes).
d) The transmission of any communicable disease or virus.
e) The first £250 of each and every claim per incident for each Insured Person
2. Anything mentioned in the general exclusions on page 3.

Emergency and Medical Service
In the event of a serious illness or accident which may lead to in-patient hospital treatment or before any arrangements are made for repatriation or in the event of Curtailment necessitating Your early return Home You must contact AXA Assistance.
The service is available to You and operates 24 hours a day, 365 days a year for advice, assistance, making arrangements for hospital admission, repatriation and authorisation of medical expenses. If this is not possible because the condition requires immediate emergency treatment You must contact AXA Assistance as soon as possible. Private medical treatment is not covered unless authorised specifically by AXA Assistance.
Medical assistance abroad
AXA Assistance has the medical expertise, contacts and facilities to help should You be injured in an accident or fall ill. AXA Assistance will also arrange transport Home when this is considered to be medically necessary or when You have notice of serious illness or death of a Close Relative at Home.
Payment for medical treatment abroad
If You are admitted to a hospital/clinic while abroad, AXA Assistance will arrange for medical expenses covered by the policy to be paid direct to the hospital/clinic.
To take advantage of this benefit someone must contact AXA Assistance for You as soon as possible.
For simple out-patient treatment, You should pay the hospital/clinic yourself and claim back medical expenses from Us on Your return to the United Kingdom. Beware of requests for You to sign for excessive treatment or charges. If in doubt regarding any such requests, please call AXA Assistance for guidance.
Contact AXA Assistance on telephone number: +44 (0)845 223 5568
Reciprocal health agreements European Union
If You are travelling to countries within the European Union (EU), the European Economic Area (EEA) or Switzerland You are strongly advised to obtain a European Health Insurance Card (EHIC) from Your local Post Office. You can also apply either online through www.dh.gov.uk/travellers or by telephoning 0845 606 2030. This will entitle You to benefit from the reciprocal health care arrangements which exist between
countries within the EU/EEA or Switzerland.
In the event of liability being accepted for a medical expense which has been reduced by the use of a European Health Insurance Card or private health insurance, We will not apply the deduction of excess under Section B - Emergency medical and other expenses.
Australia
If You require medical treatment in Australia You must enrol with a local MEDICARE office. You do not need to enrol on arrival but You must do this after the first occasion You receive treatment. In-patient and out-patient treatment at a public hospital is then available free of charge. Details of how to enrol and the free treatment available can be found in the booklet containing the European Health Insurance Card (EHIC) application form. Alternatively please call AXA Assistance for guidance.
If You are admitted to hospital contact must be made with AXA Assistance as soon as possible and their authority obtained in respect of any treatment NOT available under MEDICARE.
Contact AXA Assistance- on telephone number: +44 (0)845 223 5568

Sports and activities covered
The following lists detail the sports and activities that this policy will cover. If You are participating in any other sports or activities not mentioned, please telephone Our customer helpline on 0870 755 6101 as We may be able to offer cover for an additional premium. Details of those sports and activities for which You have purchased cover will be added to Your policy schedule.
Covered as standard
administrative, clerical or professional occupations
aerobics
archery
badminton
banana boating
baseball
basketball
body boarding (boogie boarding)
bowls
*camel riding
canoeing (up to grade 2 rivers)
*clay pigeon shooting
climbing (on climbing wall only)
cricket
croquet
curling
cycling (not racing)
deep sea fishing
*dinghy sailing
elephant riding
fencing
fishing
flying as a fare paying passenger in a fully licensed passenger carrying aircraft
football (amateur only and not main purpose of Trip)
glacier walking
*go karting (within organisers guidelines)
golf
hiking
horse riding (excluding competitions, racing, jumping and hunting)
hot air ballooning (organised pleasure rides only)
*jet skiing (no racing)
jogging
kayaking (up to grade 2 rivers)
netball
orienteering
*quad biking
ringos
roller skating and blading (wearing pads & helmets)
rounders
rowing (except racing)
running (non-competitive and not marathon)
safari trekking (must be organised tour)
scuba diving up to depth of 18 metres (if qualified or accompanied by qualified instructor and not diving alone)
*shooting/small bore target shooting (within organisers guidelines)
skateboarding (wearing pads & helmets)
snorkelling
softball
squash
surfing
swimming
swimming with dolphins
table tennis
tennis
trampolining
trekking up to 2,500 metres altitude
volleyball
wake boarding
walking
*war games (wearing eye protection)
water polo
water skiing
wind surfing
*yachting (if qualified)
zorbing
*No cover under section G - Personal liability for these sports or activities Covered if the appropriate winter sports premium has been paid
dry slope skiing
ice skating
ski - blading
skiing
skiing - mono
skiing - off piste with a guide or another adult insured to ski off piste and in areas that are designated safe by resort management.
sledging
snow boarding

General exclusions applicable to all sections of the policy
We will not pay for claims arising directly or indirectly from:
1. War, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, Terrorism, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power but this exclusion shall not apply to losses under section B - Emergency medical and other expenses, section C - Hospital benefit and section D - Personal accident unless such losses are caused by nuclear, chemical or biological attack, or the disturbances were already taking place at the beginning of any Trip.
2. Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste, from combustion of nuclear fuel, the radioactive, toxic, explosive or other hazardous properties of any nuclear assembly or nuclear component of such assembly.
3. Loss, destruction or damage directly occasioned by pressure waves caused by aircraft and other aerial devices travelling at sonic or supersonic speeds.
4. 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 interpret correctly or process any date as its true calendar date, or to continue to function correctly beyond that date.
5. Your pursuit of winter sports unless sections J, K, L and M are shown as operative in Your schedule, in which case cover will apply to:
a) the winter sports shown in the list on page 4
b) any other winter sports shown as covered in Your schedule.
6. Your participation in or practice of any other sport or activity unless:
a) shown as covered without charge in the list on page 3 or 4
b) shown as covered in Your schedule.
7. Your use of a motorised vehicle unless a full United Kingdom driving licence is held permitting the use of such vehicles in the United Kingdom.
8. Your wilfully, self-inflicted injury or illness, suicide or attempted suicide, sexually transmitted diseases, solvent abuse, alcohol abuse, the use of drugs (other than drugs taken in accordance with treatment prescribed and directed by a Medical Practitioner, but not for the treatment of drug addiction), self-exposure to needless peril (except in an attempt to save human life).
9. Your own unlawful action or any criminal proceedings against You.
10. Consequential loss of any kind (for example the replacement of locks following loss of keys).
11. Operational duties of a member of the Armed Forces.
12. Your travel to a country or specific area or event to which the Travel Advice Unit of the Foreign & Commonwealth Office or the World Health Organisation has advised the public not to travel.

General exclusions applicable to all sections of the policy
We will not pay for claims arising directly or indirectly from:
1. War, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, Terrorism, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power but this exclusion shall not apply to losses under section B - Emergency medical and other expenses, section C - Hospital benefit and section D - Personal accident unless such losses are caused by nuclear, chemical or biological attack, or the disturbances were already taking place at the beginning of any Trip.

General exclusions applicable to all sections of the policy
We will not pay for claims arising directly or indirectly from:
1. War, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, Terrorism, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power but this exclusion shall not apply to losses under section B - Emergency medical and other expenses, section C - Hospital benefit and section D - Personal accident unless such losses are caused by nuclear, chemical or biological attack, or the disturbances were already taking place at the beginning of any Trip.

General exclusions applicable to all sections of the policy
We will not pay for claims arising directly or indirectly from:
4. 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 interpret correctly or process any date as its true calendar date, or to continue to function correctly beyond that date.

Claims conditions
You must comply with the following conditions to have the full protection of Your policy. If You do not comply We may at Our option cancel the policy or refuse to deal with Your claim or reduce the amount of any claim payment.
1. Claims
You must notify Us preferably by phone at the address given below, depending on the type of claim
all claims except legal expenses
AXA Travel Claims
PO Box 742
Lancaster
LA1 1BT
Tel: 0870 850 8495
legal expenses only
AXA Assistance
The Quadrangle
106/118 Station Road
Redhill
Surrey
RH1 1PX
Tel: 01737 815 199
The notification must be made within 31 days or as soon as possible thereafter following any Bodily Injury, illness, disease, incident, event, redundancy or the discovery of any loss, theft or damage which may give rise to a claim under this policy.
You must also inform Us if You are aware of any writ, summons or impending prosecution. Every communication relating to a claim must be sent to Us without delay. You or anyone acting on Your behalf must not negotiate admit or repudiate any claim without Our written consent.
You or Your legal representatives must supply at Your own expense all information, evidence, details of household insurance and medical certificates as required by Us.
We reserve the right to require You to undergo an independent medical examination at Our expense. We may also request and will pay for a post-mortem examination.
You must retain any property which is damaged, and, if requested, send it to Us at Your own expense. If We pay a claim for the full value of the property and it is subsequently recovered or there is any salvage then it will become Our property. We may refuse to reimburse You for any expenses for which You cannot provide receipts or bills.
2. Subrogation
We are entitled to take over and conduct in Your name the defence and settlement of any legal action. We may also take proceedings at Our own expense and for Our own benefit, but in Your name, to recover any payment We have made under this policy to anyone else.
3. Fraud
You must not act in a fraudulent manner.
If You or anyone acting for You
a) Make a claim under the policy knowing the claim to be false or fraudulently exaggerated in any respect or
b) Make a statement in support of a claim knowing the statement to be false in any respect or
c) Submit a document in support of a claim knowing the document to be forged or false in any respect or
d) Make a claim in respect of any loss or damage caused by Your wilful act or with Your connivance
Then
a) We shall not pay the claim
b) We shall not pay any other claim which has been or will be made under the policy
c) We may at Our option declare the policy void
d) We shall be entitled to recover from You the amount of any claim already paid under the policy
e) We shall not make any return of premium
f) We may inform the police of the circumstances

General conditions applicable to the whole policy
You must comply with the following conditions to have the full protection of Your policy.
If You do not comply We may at Our option cancel the policy or refuse to deal with Your claim or reduce the amount of any claim payment.
1. Dual insurance
If at the time of any incident which results in a claim under this policy, there is another insurance covering the same loss, damage, expense or liability We will not pay more than Our proportional share (not applicable to Section D - Personal accident).
2. Reasonable precautions
You must take and cause to be taken all reasonable precautions to avoid injury, illness, disease, loss, theft or damage and take and cause to be taken all practicable steps to safeguard Your property from loss or damage and to recover property lost or stolen.
3. Cancellation
You may cancel this policy at any time. You must tell Us by writing to:
Customer Services Manager
Jade Stanley Ltd
10-11 Lower John Street
London
W1F 9EB
If within 14 days of issue of the policy, You find that it does not meet Your requirements You may cancel Your policy by returning the policy documents to the address above. We will refund the premium in full provided You have not travelled and no claim or incident likely to give rise to a claim has been submitted.
If a claim has been submitted or there has been any incident likely to give rise to a claim during the current Period of Insurance no premium refund will be given.
Where the premium was paid by credit card You will however be responsible for payment of any administrative or interest charges levied by the credit card provider.
For cancellations occurring after 14 days of issue of the policy no refund of premium will be made.
The Insurer reserves the right to cancel this policy immediately in the event of non-payment of the premium.
The Insurer may also cancel the policy by sending 14 days notice by recorded delivery to You at Your last known address without a refund of premium.

European Union
If You are travelling to countries within the European Union (EU), the European Economic Area (EEA) or Switzerland You are strongly advised to obtain a European Health Insurance Card (EHIC) from Your local Post Office. You can also apply either online through www.dh.gov.uk/travellers or by telephoning 0845 606 2030. This will entitle You to benefit from the reciprocal health care arrangements which exist between
countries within the EU/EEA or Switzerland.
In the event of liability being accepted for a medical expense which has been reduced by the use of a European Health Insurance Card or private health insurance, We will not apply the deduction of excess under Section B - Emergency medical and other expenses.