JS Insurance Elect - Platinum

Winter Sports

SECTION A - EMERGENCY MEDICAL EXPENSES AND REPATRIATION
SPECIAL CONDITION:
In the event of your death, incurring medical expenses in excess of £250, or your being involved in an accident, being admitted to hospital, or curtailing for medical reasons, the Assistance Company must be advised as soon as possible and liability shall only attach for expenses agreed by them. Failure to notify the Assistance Company will prejudice the Insurer and will result in the Insurer's non-acceptance of liability of such claims.
What you are covered for:
The insurer will reimburse you up to the amount shown in the Schedule of Benefits in respect of the following expenses necessarily incurred as a result of you sustaining accidental bodily injury, becoming ill or your death:
Emergency Medical Expenses
(a) cost of medical, surgical or hospital treatment (including emergency dental treatment up to £200 for the immediate relief of pain only). The Insurer reserves the right to repatriate when, in the opinion of the doctor in attendance and the Insurers medical advisors, the Insured is fit to travel.
(b) cost of transporting your remains to the UK or the Republic of Ireland, or the reasonable cost of a funeral in the country where death occurs, if other than your usual country of residence, up £2,500
(c) reasonable additional transportation and accommodation costs incurred by you and any one of your travelling companions, as a result of you receiving medical advice from the doctor in attendance and the Insurers medical advisors that your originally planned return journey to the UK or the Republic of Ireland is impossible due to medical reasons. (Payment shall be based upon the average cost of transportation and accommodation incurred prior to the originally planned return date, at the Insurers discretion).
Emergency Repatriation
(a) the cost of return to the UK or the Republic of Ireland of an injured or sick Insured by medically appropriate means where, in the opinion of the Insurers medical advisors, such return is medically necessary.
What You Are Not Covered For:
In addition to the General Exclusions of the policy, the Insurer shall not be responsible for:
1. the excess (unless you use an EHIC Card which successfully reduces the amount of the claim) as shown in the Schedule of Benefits;
2. claims arising directly or indirectly as a result of a pre-existing medical condition of you or your travelling companion, unless declared to and agreed by the Medical Screening Company in writing, with any required additional premium paid and/or amendments to policy conditions;
3. claims arising if you:
(i) are travelling against the advice of a medical practitioner or for the purpose of obtaining medical treatment; or
(ii) are on a hospital waiting list or awaiting the results of medical investigations; or
(iii) have received a terminal prognosis at the date of application;
(iv) are undergoing dialysis treatment;
(v) are suffering from any psychological or mental disorder.
4. claims arising for treatment or surgery which, in the opinion of the Insurers medical advisors, is not essential or can reasonably be delayed until your return home;
5. claims arising from the additional costs of single or private hospital room accommodation;
6. claims arising from medical treatment of any kind received after you have returned to or have been repatriated to the UK or the Republic of Ireland;
7. claims arising from medical treatment of any kind if you are a resident of & travelling within the UK;
8. claims arising from medical treatment of any kind if you are a resident of & travelling within the Republic of Ireland;
9. claims arising directly or indirectly from pregnancy, other than complications of pregnancy occurring prior to the thirtieth week;
10. claims arising from medical treatment of any kind not authorised at the time by a recognised registered medical practitioner.
11. claims arising from medical treatment of any kind occurring after you have refused the offer of repatriation when, in the opinion of the doctor in attendance and the insurers medical advisors, you are fit to travel;
12. claims arising in respect of elective medical treatment, physiotherapy treatment and other associated therapies.
13. claims arising out of your failure to contact the Assistance Company.
CONDITION: Should you require medical treatment in Australia, you should enrol with
MEDICARE. It is not necessary to enrol on arrival. You can simply do this at the first occasion on which you receive treatment.
In-patient and out-patient treatment at a public hospital is then available free of charge. Should you be admitted to hospital then immediate contact must be made with the Assistance Company and their authority obtained in respect of any treatment NOT available under MEDICARE before such treatment is provided.

SECTION B - PERSONAL ACCIDENT
What You Are Covered For:
The Insurer will pay you or your estate the sum insured as shown in the Schedule of Benefits for one of the following Losses resulting from an external accident sustained by your: death, loss of limb(s), loss of sight or permanent total disablement. Loss must occur within 180 days of the date of accident. No benefits shall be paid for more than one Loss suffered.
What You Are Not Covered For:
In addition to the General Exclusions of the policy, the insurer shall not be responsible for:
1. Any benefit where your death, injury or loss does not occur within 180 days of the accident
2. Any benefit as a result of participating in a hazardous sport or leisure activity, unless you have paid the additional premium prior to travel, for that specific hazardous activity and cover is confirmed on your certificate
3. Any benefit if you cannot prove to the Insurer that the permanent total disablement has continued for 12 months from the date of the injury and in all probability will continue for the remainder of your life
4. More than one lump sum under this section.
5. The contracting of any disease, illness and/or medical condition, the injection or ingestion of any substance, or any event which directly or indirectly exacerbates a previously existing physical bodily injury

SECTION I - HOSPITAL BENEFIT
What You Are Covered For:
The Insurer will pay you the amount shown in the Schedule of Benefits for each and every completed period of 24 hours for which you are an inpatient in a hospital abroad, as a direct result of an accidental injury or illness which is covered under Emergency Medical Expenses and Repatriation section.
What You Are Not Covered For:
In addition to the General Exclusions of the policy, the insurer shall not be responsible for:
1. claims where the assistance company has not been contacted and a recommended hospital has been appointed.

SECTION A - EMERGENCY MEDICAL EXPENSES AND REPATRIATION
SPECIAL CONDITION:
In the event of your death, incurring medical expenses in excess of £250, or your being involved in an accident, being admitted to hospital, or curtailing for medical reasons, the Assistance Company must be advised as soon as possible and liability shall only attach for expenses agreed by them. Failure to notify the Assistance Company will prejudice the Insurer and will result in the Insurer's non-acceptance of liability of such claims.
What you are covered for:
The insurer will reimburse you up to the amount shown in the Schedule of Benefits in respect of the following expenses necessarily incurred as a result of you sustaining accidental bodily injury, becoming ill or your death:
Emergency Medical Expenses
(a) cost of medical, surgical or hospital treatment (including emergency dental treatment up to £200 for the immediate relief of pain only). The Insurer reserves the right to repatriate when, in the opinion of the doctor in attendance and the Insurers medical advisors, the Insured is fit to travel.

SECTION A - EMERGENCY MEDICAL EXPENSES AND REPATRIATION
SPECIAL CONDITION:
In the event of your death, incurring medical expenses in excess of £250, or your being involved in an accident, being admitted to hospital, or curtailing for medical reasons, the Assistance Company must be advised as soon as possible and liability shall only attach for expenses agreed by them. Failure to notify the Assistance Company will prejudice the Insurer and will result in the Insurer's non-acceptance of liability of such claims.
What you are covered for:
The insurer will reimburse you up to the amount shown in the Schedule of Benefits in respect of the following expenses necessarily incurred as a result of you sustaining accidental bodily injury, becoming ill or your death:
Emergency Medical Expenses
(a) cost of medical, surgical or hospital treatment (including emergency dental treatment up to £200 for the immediate relief of pain only). The Insurer reserves the right to repatriate when, in the opinion of the doctor in attendance and the Insurers medical advisors, the Insured is fit to travel.
(b) cost of transporting your remains to the UK or the Republic of Ireland, or the reasonable cost of a funeral in the country where death occurs, if other than your usual country of residence, up £2,500

SECTION A - EMERGENCY MEDICAL EXPENSES AND REPATRIATION
SPECIAL CONDITION:
In the event of your death, incurring medical expenses in excess of £250, or your being involved in an accident, being admitted to hospital, or curtailing for medical reasons, the Assistance Company must be advised as soon as possible and liability shall only attach for expenses agreed by them. Failure to notify the Assistance Company will prejudice the Insurer and will result in the Insurer's non-acceptance of liability of such claims.
What you are covered for:
The insurer will reimburse you up to the amount shown in the Schedule of Benefits in respect of the following expenses necessarily incurred as a result of you sustaining accidental bodily injury, becoming ill or your death:
Emergency Medical Expenses
(a) cost of medical, surgical or hospital treatment (including emergency dental treatment up to £200 for the immediate relief of pain only). The Insurer reserves the right to repatriate when, in the opinion of the doctor in attendance and the Insurers medical advisors, the Insured is fit to travel.
(b) cost of transporting your remains to the UK or the Republic of Ireland, or the reasonable cost of a funeral in the country where death occurs, if other than your usual country of residence, up £2,500

PERSONAL MONEY
What You Are Covered For:
The insurer will indemnify you up to the amount as shown in the schedule of benefits in respect of loss of money which is the property of you and carried on your person (a reduced limit applies as shown in the Schedule of Benefits for children under 18 unless an adult premium has been paid for that person) or placed in a safety deposit box or similar locked, fixed receptacle. Cover for money is limited to the money as shown in the Schedule of Benefits.
What You Are Not Covered For:
In addition to the General Exclusions of the policy, the Insurer shall not be responsible for:
1. the excess as shown in the Schedule of Benefits;
2. claims arising for theft which has not been reported to any appropriate police authority within 24 hours of discovery and an official report obtained;
3. claims for loss which has not been reported to any appropriate authority within 24 hours of discovery and an official report obtained (and specifically for claims arising against common carriers and hotels, any claim not reported in writing to such carrier or hotel within 24 hours of discovery, and an official report obtained).
4. claims arising from delay, detention, seizure or confiscation by Customs or other officials;
5. claims arising from shortages due to error, omission or depreciation in value;
6. claims arising for loss or theft of personal money which at the time of such loss or theft was located in checked-in luggage or an unattended motor vehicle at any time;
7. claims arising for personal money left unattended in a place to which the general public has access or left in the custody of a person who does not have an official responsibility for the safekeeping of the property. Including loss or theft occurring on a beach or in or around a swimming pool.

SECTION D - LEGAL EXPENSES
What You Are Covered For:
The Insurer will reimburse you up to the amount as shown in the Schedule of Benefits, for legal costs incurred by you in pursuit of legal proceedings against third parties (excluding any member of your or your travelling companions family, your travelling companion, business partner or employer) for any compensation owed to you arising directly from death, serious illness and/or personal accident injury to you or your death during the period of insurance.
What You Are Not Covered For:
In addition to the General Exclusions of the policy, the Insurer shall not be responsible for:
1. the excess as shown in the Schedule of Benefits;
2. claims arising for any legal expenses incurred without prior authorisation by the insurer;
3. claims arising where the insurer considers your prospects of success in achieving a reasonable benefit to be insufficient;
4. claims arising pursuant to a contingent fee agreement between you and your counsel/ lawyer;
5. claims arising for travel and accommodation expenses over £1,000, whilst in pursuit of a legal action;
6. claims arising from your pursuing legal proceedings as part of and/or on behalf of a group or organisation.
7. claims incurred for any legal costs pursuant to a legal action against a travel agent, tour operator, carrier, the Insurer, the claims handler, the assistance company, the placing broker or the insurance company
8. claims occurring under criminal law.
9. claims occurring or where the case is brought to court in more than one country.
SPECIAL CONDITION:
The Insured must comply with the following procedures:
(a) the Insurer shall have complete control over the appointment of any solicitor(s) acting on your behalf and of any legal proceedings
(b) the insured shall apply to the insurer for a written acknowledgement by the insurer of the existance of a potentially viable claim.
(c) if an acknowledgement in (a) is granted, the insurer shall initially pay up to 5% of the amount shown in the Schedule of Benefits for legal costs incurred by the insured to determine the probability of success in achieving a reasonable benefit. This shall include an assessment of the legal liability of the potential defendant and the ability to collect damages from the potential defendant.
(d) the Insurer shall not be responsible for any legal expenses incurred prior to its issuing the Insured with a written acknowledgement of the existence of a potentially viable claim.
(e) in the event that the Insured is awarded compensation (by judgment or settlement), the Insurer shall be entitled to recover from the Insured or on behalf of the Insured any sum paid to the Insured under any section of this policy on account of the same incident for which compensation is received.

SECTION F - PERSONAL POSSESSIONS
What You Are Covered For:
Lost, Stolen or Damaged
The insurer will reimburse you up to the amount as shown in the Schedule of Benefits, for the value of personal possessions taken or purchased on the trip by you which is accidentally lost, stolen or damaged.
The maximum payment for any single Item is shown in the Schedule of Benefits. The maximum payment for valuables is shown in the Schedule of Benefits. The maximum payment for any single item for which an original receipt, proof of purchase or insurance valuation (obtained prior to the loss) is not supplied is £60, subject to a maximum of £300 for all such items.
Travel Documents
The Insurer will reimburse you up to the maximum as shown in the Schedule of Benefits for the value of travel documents (passport, green cards, travel tickets and accommodation vouchers) held by you which are lost or stolen (and reasonable expenses directly consequential upon any such loss whilst abroad).

SECTION J - PISTE CLOSURE
Subject to additional premium being paid
What You Are Covered For:
The Insurer will indemnify you in the event that, due to lack of snow fall or adverse weather in the prebooked wintersports resort between the months of December to March and no alternative being available, you are not allowed to ski for a period in excess of 24 hours, the Insurer will pay the benefit as shown in the Schedule of Benefits for each full 24 hour period in which you are unable to ski, up to the maximum as shown in the Schedule of Benefits.
What You Are Not Covered For:
In addition to the General Exclusions of the policy, the Insurer shall not be responsible for:
1. claims arising which are not substantiated by a report from the resort from the report from the resort management.
2. claims arising due to lack of snow fall in a wintersports resort which does not possess skiing facilities about 1,000 metres.

SECTION J - PISTE CLOSURE
Subject to additional premium being paid
What You Are Covered For:
The Insurer will indemnify you in the event that, due to lack of snow fall or adverse weather in the prebooked wintersports resort between the months of December to March and no alternative being available, you are not allowed to ski for a period in excess of 24 hours, the Insurer will pay the benefit as shown in the Schedule of Benefits for each full 24 hour period in which you are unable to ski, up to the maximum as shown in the Schedule of Benefits.
What You Are Not Covered For:
In addition to the General Exclusions of the policy, the Insurer shall not be responsible for:
1. claims arising which are not substantiated by a report from the resort from the report from the resort management.
2. claims arising due to lack of snow fall in a wintersports resort which does not possess skiing facilities about 1,000 metres.

SECTION K - DELAY DUE TO AVALANCHE
Subject to additional premium being paid
What You Are Covered For:
The Insurer will pay you up to the amount as shown in the Schedule of Benefits for additional travel and accommodation expenses in the event that your outward or return journey is delayed for at least 12 hours beyond the scheduled departure time as a direct result of avalanche.
What You Are Not Covered For:
In addition to the General Exclusions of the policy, the Insurer shall not be responsible for:
1. the Excess as shown in the Schedule of Benefits;
2. claims arising which are not substantiated by a report from the resort management.

SECTION L - SKI HIRE
Subject to additional premium being paid
What You Are Covered For:
The Insurer will indemnify you up to the amount as shown in the Schedule of Benefits for each 24-hour period for the cost of necessary hire of ski equipment following:
(a) loss or breakage of the your ski equipment; or
(b) the misdirection or delay in transit of the your ski equipment.
What You Are Not Covered For:
In addition to the General Exclusions of the policy, the Insurer shall not be responsible for:
1. the excess as shown in the Schedule of Benefits;
2. claims arising for theft which is not reported to the appropriate police authority within 24 hours of discovery and an official report obtained;
3. claims arising for loss or damage which is not reported to any appropriate authority within 24 hours of discovery and an official report obtained. For claims arising against or in connection with common carriers and hotels, any claim not reported in writing to such carrier or hotel within 24 hours of discovery and an official report obtained, will not be covered. In the case of an airline, a Property Irregularity Report will be required;
4. claims arising for loss, theft or damage to anything shipped as freight or under a Bill of Lading;
5. claims arising for property left unattended in a place to which the general public has access or left in the custody of a person who does not have an official responsibility for the safekeeping of the property;
6. claims arising for loss, theft or damage of items from an unattended motor vehicle, unless taken from a locked boot or lockable roof rack between 8am and 8pm local time and there is evidence of forced entry which is confirmed by a written police report;
7. claims arising from delay, detention, seizure or confiscation by Customs or other officials.

SECTION L - SKI HIRE
Subject to additional premium being paid
What You Are Covered For:
The Insurer will indemnify you up to the amount as shown in the Schedule of Benefits for each 24-hour period for the cost of necessary hire of ski equipment following:
(a) loss or breakage of the your ski equipment; or
(b) the misdirection or delay in transit of the your ski equipment.
What You Are Not Covered For:
In addition to the General Exclusions of the policy, the Insurer shall not be responsible for:
1. the excess as shown in the Schedule of Benefits;
2. claims arising for theft which is not reported to the appropriate police authority within 24 hours of discovery and an official report obtained;
3. claims arising for loss or damage which is not reported to any appropriate authority within 24 hours of discovery and an official report obtained. For claims arising against or in connection with common carriers and hotels, any claim not reported in writing to such carrier or hotel within 24 hours of discovery and an official report obtained, will not be covered. In the case of an airline, a Property Irregularity Report will be required;
4. claims arising for loss, theft or damage to anything shipped as freight or under a Bill of Lading;
5. claims arising for property left unattended in a place to which the general public has access or left in the custody of a person who does not have an official responsibility for the safekeeping of the property;
6. claims arising for loss, theft or damage of items from an unattended motor vehicle, unless taken from a locked boot or lockable roof rack between 8am and 8pm local time and there is evidence of forced entry which is confirmed by a written police report;
7. claims arising from delay, detention, seizure or confiscation by Customs or other officials.

Wintersports
Guided cross country skiing (Nordic Skiing), mono skiing, off-piste skiing or snow boarding (in areas designated safe by resort management), recreational racing, skiing, snowboarding and snow sledging.
The following are not included in the definition, but not limited to:
Freestyle skiing, heli-skiing, ice hockey, luging, off-piste skiing or snow boarding in areas designated as unsafe by resort management, off-piste skiing or snowboarding where there is an avalanche warning in place, parapenting, ski acrobatics and stunting, ski bob racing, ski-doing, ski flying, ski jumping, ski racing or training, the use of skeletons or bobsleighs, snow mobiling, tobogganing.

PROPERTY CLAIMS
These claims are paid based on the value of the goods at the time you lose them and not on a 'new for old' or replacement cost basis. An allowance for wear, tear and depreciation will be deducted. Certain items of personal property are not covered.

SECTION F - PERSONAL POSSESSIONS
What You Are Covered For:
Lost, Stolen or Damaged
The insurer will reimburse you up to the amount as shown in the Schedule of Benefits, for the value of personal possessions taken or purchased on the trip by you which is accidentally lost, stolen or damaged.
The maximum payment for any single Item is shown in the Schedule of Benefits. The maximum payment for valuables is shown in the Schedule of Benefits. The maximum payment for any single item for which an original receipt, proof of purchase or insurance valuation (obtained prior to the loss) is not supplied is £60, subject to a maximum of £300 for all such items.
Travel Documents
The Insurer will reimburse you up to the maximum as shown in the Schedule of Benefits for the value of travel documents (passport, green cards, travel tickets and accommodation vouchers) held by you which are lost or stolen (and reasonable expenses directly consequential upon any such loss whilst abroad).
Baggage Delay
The Insurer will reimburse you for the cost of purchase of necessities, up to the maximum as shown in the Schedule of Benefits should personal possessions be delayed or lost in transit on the outward
journey for more than 24 hours. Payment made under this heading will be set against the amount of any claim arising if the personal possessions are permanently lost. You must supply receipts for the items purchased and confirmation from the carrier of the length of delay.
What You Are Not Covered For:
In addition to the General Exclusions of the policy, the Insurer shall not be responsible for:
1. the Excess as shown in the Schedule of Benefits;
2. wear, tear and depreciation of the article(s);
3. claims arising from breakage of fragile articles unless caused by fire or accident to a vehicle;
4. claims arising for loss, theft or damage to prams, buggies, wheelchairs, pedal cycles, motor vehicles, motor cycles, marine or diving equipment and craft, surfboards, sailboards or related equipment or fittings of any kind;
5. claims arising from damage caused by leakage of powder or liquid carried within personal effects or baggage;
6. claims arising for money, cheques, contact lenses, antiques, computer equipment of any kind, mobile telephones, TV sets;
7. claims arising for theft which is not reported to any appropriate police authority within 24 hours of discovery and an official report obtained;
8. claims arising for loss or damage which is not reported to any appropriate authority within 24 hours of discovery and an official report obtained. For claims arising against or in connection with common carriers and hotels, any claim not reported in writing to such carrier or hotel within 24 hours of discovery and an official report obtained, will not be covered. In the case of an airline, a Property Irregularity Report will be required;
9. claims arising for breakage of sports equipment whilst in use (unless ski equipment and the appropriate Wintersports cover has been effected);
10. claims arising from delay, detention, seizure or confiscation by customs or other officials;
11. claims arising for loss, theft or damage to household goods or anything shipped as freight or under a Bill of Lading;
12. claims arising for loss or damage of dentures or bridgework, artificial limbs or hearing aids of any kind;
13. claims arising for left unattended in a place to which the general public has access or left in the custody of a person who does not have an official responsibility for the safekeeping of the property. Including, theft or damage occurring on a beach or in or around a swimming pool;
14. claims arising for loss, theft or damage of items from an unattended motor vehicle, unless taken from a locked boot, glove box or locked & secured roof box between 8am and 8pm local time and there is evidence of forced entry which is confirmed by a police report;
15. claims arising for loss or damage to items carried on a vehicle roof rack;
16. claims arising for loss, theft or damage to valuables which at the time of such loss, theft or damage were located in checked-in luggage or a motor vehicle;

SECTION F - PERSONAL POSSESSIONS
What You Are Covered For:
Lost, Stolen or Damaged
The insurer will reimburse you up to the amount as shown in the Schedule of Benefits, for the value of personal possessions taken or purchased on the trip by you which is accidentally lost, stolen or damaged.
The maximum payment for any single Item is shown in the Schedule of Benefits. The maximum payment for valuables is shown in the Schedule of Benefits. The maximum payment for any single item for which an original receipt, proof of purchase or insurance valuation (obtained prior to the loss) is not supplied is £60, subject to a maximum of £300 for all such items.
Travel Documents
The Insurer will reimburse you up to the maximum as shown in the Schedule of Benefits for the value of travel documents (passport, green cards, travel tickets and accommodation vouchers) held by you which are lost or stolen (and reasonable expenses directly consequential upon any such loss whilst abroad).
Baggage Delay
The Insurer will reimburse you for the cost of purchase of necessities, up to the maximum as shown in the Schedule of Benefits should personal possessions be delayed or lost in transit on the outward
journey for more than 24 hours. Payment made under this heading will be set against the amount of any claim arising if the personal possessions are permanently lost. You must supply receipts for the items purchased and confirmation from the carrier of the length of delay.
What You Are Not Covered For:
In addition to the General Exclusions of the policy, the Insurer shall not be responsible for:
1. the Excess as shown in the Schedule of Benefits;
2. wear, tear and depreciation of the article(s);
3. claims arising from breakage of fragile articles unless caused by fire or accident to a vehicle;
4. claims arising for loss, theft or damage to prams, buggies, wheelchairs, pedal cycles, motor vehicles, motor cycles, marine or diving equipment and craft, surfboards, sailboards or related equipment or fittings of any kind;
5. claims arising from damage caused by leakage of powder or liquid carried within personal effects or baggage;
6. claims arising for money, cheques, contact lenses, antiques, computer equipment of any kind, mobile telephones, TV sets;
7. claims arising for theft which is not reported to any appropriate police authority within 24 hours of discovery and an official report obtained;
8. claims arising for loss or damage which is not reported to any appropriate authority within 24 hours of discovery and an official report obtained. For claims arising against or in connection with common carriers and hotels, any claim not reported in writing to such carrier or hotel within 24 hours of discovery and an official report obtained, will not be covered. In the case of an airline, a Property Irregularity Report will be required;
9. claims arising for breakage of sports equipment whilst in use (unless ski equipment and the appropriate Wintersports cover has been effected);
10. claims arising from delay, detention, seizure or confiscation by customs or other officials;
11. claims arising for loss, theft or damage to household goods or anything shipped as freight or under a Bill of Lading;
12. claims arising for loss or damage of dentures or bridgework, artificial limbs or hearing aids of any kind;
13. claims arising for left unattended in a place to which the general public has access or left in the custody of a person who does not have an official responsibility for the safekeeping of the property. Including, theft or damage occurring on a beach or in or around a swimming pool;
14. claims arising for loss, theft or damage of items from an unattended motor vehicle, unless taken from a locked boot, glove box or locked & secured roof box between 8am and 8pm local time and there is evidence of forced entry which is confirmed by a police report;
15. claims arising for loss or damage to items carried on a vehicle roof rack;
16. claims arising for loss, theft or damage to valuables which at the time of such loss, theft or damage were located in checked-in luggage or a motor vehicle;

SECTION G - CANCELLATION AND CURTAILMENT CHARGES
What You Are Covered For:
If your trip is cancelled or curtailed due to any one of the reasons listed below occurring to you, your travelling companion or someone on whom your trip depends, during the period of insurance, the insurer will indemnify you up to the amount shown in the schedule of benefits;
Cancellation
for travel and accommodation expenses paid or contracted to be paid by you in respect of your own trip (prior to any occurrence giving rise to a claim under this section) which are not recoverable.
Curtailment
for travel expenses to your home and pro-rata amount of the total pre-paid or contracted cost for each complete day of the trip which is foregone and which are not recoverable (excluding pre-paid or contracted costs for transportation to return home and used travel ticket costs).
Reasons for Cancellation and Curtailment:
(a) Death, serious injury or serious illness, occurring during the period of insurance, to you, your travelling companion, a relative or close business associate of you or your travelling companion, or the person with whom you have arranged to stay whilst on the trip;
(b) your being called for jury service, witness call or compulsory quarantine;
(c) accident involving your vehicle within 7 days prior to intended date of departure (applicable to self-drive holidays only);
(d) your posting overseas or emergency and unavoidable requirements of duty in the Armed Forces, Police, Fire, Nursing or Ambulance Services;
(e) your redundancy notified during the period of insurance which qualifies for payment under the redundancy payments act;
(f) fire, flood or burglary at your home or place of business occurring or becoming apparent within 5 days prior to the commencement of the journey or holiday or during the course of your holiday;
(g) your presence being required by the police following burglary at home or your place of business;
or
(h) your pregnancy where birth is expected before or within 10 weeks of the booked return date or complications of pregnancy occurring prior to the thirtieth week if there have not been complications in any previous pregnancy.
What You Are Not Covered For:
In addition to the General Exclusions of the policy, the Insurer shall not be responsible for:
1. the Excess as shown in the Schedule of Benefits;
2. claims arising directly or indirectly as a result of a Pre-existing Medical Condition to you, your travelling companion, a Relative or Close Business Associate of the Insured or your travelling companion, or the person with whom you have arranged to stay whilst on the trip, unless declared to and agreed by the Insurer in writing, with any required additional premium paid and/or amendments to policy conditions;
3. claims arising if you:
(i) are travelling against the advice of a medical practitioner or for the purpose of obtaining medical treatment; or
(ii) are on a hospital waiting list or awaiting the results of medical investigations; or
(iii) have received a terminal prognosis at the date of application;
4. claims arising which are not supported by written medical confirmation and clinical reports from medical service providers, as well as all other proof of the happening of an event causing Cancellation or Curtailment;
5. claims for any costs associated with unused timeshare property;
6. claims arising where you have not received the necessary inoculations or vaccinations or obtain necessary visas.
7. claims arising from any loss resulting from the cancellation or delay of a flight, subsequent to your initial International departure or return from or to your country of residence.
8. claims arising from where you will not and / or cannot travel to an area subject to disease of epidemic or pandemic proportions.
SPECIAL CONDITION:
It is a condition of this section that any claim for Cancellation be advised verbally to your issuing agent within 48 hours and confirmed in writing to the Claims Handler. Curtailment must be authorised by the Assistance company if the cost of your trip home is more than €250 (£250), following confirmation from the treating doctor that IT IS MEDICALLY NECESSARY THAT THE INSURED CURTAILS THEIR TRIP.
If you curtail your trip due to an illness/death of a third party, family member or relative then you must also contact the Assistance Company, otherwise your claim may be declined. You must always mitigate your costs.

SECTION E - MISSED DEPARTURE
What You Are Covered For:
The Insurer will indemnify you up to the amount shown in the Schedule of Benefits, in respect of reasonable additional costs of travel and accommodation necessarily incurred if you are unable to reach the International point of departure of the booked travel itinerary on the initial outward or final return journey as a consequence of the failure of public transport services or the accident/ breakdown of a motor vehicle in which you are travelling.
What You Are Not Covered For:
In addition to the General Exclusions of the policy, the insurer shall not be responsible for:
1. the excess as shown in the Schedule of Benefits;
2. claims arising as a result of your not having taken reasonable steps to complete the journey to the departure point on time;
3. claims arising from the failure of public transport services caused by strike, riot or civil commotion for which warning has been given prior to the commencement of departure to the departure point.
4. claims arising from the vehicle not having been properly serviced and maintained, in the event of vehicle breakdown.
5. claims arising from an accident/ breakdown of a motor vehicle, where no written evidence of such accident/breakdown has been supplied.

SECTION H - ABANDONING YOUR HOLIDAY AND TRAVEL DELAY
TRAVEL DELAY
What You Are Covered For:
In the event of a delay of your outward flight or sea trip from the United Kingdom or Republic of Ireland or planned inbound flight, international rail journey or sea trip to the United Kingdom or Republic of Ireland, the insurer will compensate you as follows:
The amount shown in the Schedule of Benefits for the first full 12 hours period of delay and an additional amount for each full 12 hour period of delay thereafter, up to the maximum amount shown in the Schedule of Benefits, provided always that you obtain in writing from the carrier a statement confirming the length and exact nature of the delay.
What You Are Not Covered For:
In addition to the General Exclusions of the policy, the Insurer shall not be responsible for:
1. the Excess as shown in the Schedule of Benefits for Abandonment;
2. claims arising from delay caused by strike or industrial action was notified at the time the insurance was purchased
3. your failure to check in as per your original itinerary.
4. any claim payable that can be paid under the section missed departure
NOTE: Both travel delay and abandonment are restricted to the following causes:
i) Strike or industrial action
ii) Adverse weather conditions
iii) Mechanical breakdown
ABANDONMENT
What You Are Covered For:
In the event of a delay of your outward flight or sea trip from the United Kingdom or Republic of Ireland or planned inbound flight, international rail journey or sea trip to the United Kingdom or Republic of Ireland, the Insurer will compensate you as follows:
If the holiday or journey is necessarily cancelled following a delay of not less than 24 hours beyond the scheduled departure time (and written confirmation obtained from the carrier), the Insurer will indemnify you up to the amount shown in the Schedule of Benefits for travel and accommodation expenses paid or contracted to be paid by you in respect of his own trip (prior to any occurrence giving rise to a claim under this section) and which are not recoverable.
What You Are Not Covered For:
In addition to the General Exclusions of the policy, the Insurer shall not be responsible for:
1. the Excess as shown in the Schedule of Benefits for Abandonment;
2. claims arising from delay caused by strike if strike or industrial action was notified at the time the insurance was purchased.
3. your failure to check in as per your original itinerary.
4. any claim payable that can be paid under the section missed departure
NOTE: Both travel delay and abandonment are restricted to the following causes:
iv) Strike or industrial action
v) Adverse weather conditions
vi) Mechanical breakdown

SECTION H - ABANDONING YOUR HOLIDAY AND TRAVEL DELAY
TRAVEL DELAY
What You Are Covered For:
In the event of a delay of your outward flight or sea trip from the United Kingdom or Republic of Ireland or planned inbound flight, international rail journey or sea trip to the United Kingdom or Republic of Ireland, the insurer will compensate you as follows:
The amount shown in the Schedule of Benefits for the first full 12 hours period of delay and an additional amount for each full 12 hour period of delay thereafter, up to the maximum amount shown in the Schedule of Benefits, provided always that you obtain in writing from the carrier a statement confirming the length and exact nature of the delay.
What You Are Not Covered For:
In addition to the General Exclusions of the policy, the Insurer shall not be responsible for:
1. the Excess as shown in the Schedule of Benefits for Abandonment;
2. claims arising from delay caused by strike or industrial action was notified at the time the insurance was purchased
3. your failure to check in as per your original itinerary.
4. any claim payable that can be paid under the section missed departure
NOTE: Both travel delay and abandonment are restricted to the following causes:
i) Strike or industrial action
ii) Adverse weather conditions
iii) Mechanical breakdown
ABANDONMENT
What You Are Covered For:
In the event of a delay of your outward flight or sea trip from the United Kingdom or Republic of Ireland or planned inbound flight, international rail journey or sea trip to the United Kingdom or Republic of Ireland, the Insurer will compensate you as follows:
If the holiday or journey is necessarily cancelled following a delay of not less than 24 hours beyond the scheduled departure time (and written confirmation obtained from the carrier), the Insurer will indemnify you up to the amount shown in the Schedule of Benefits for travel and accommodation expenses paid or contracted to be paid by you in respect of his own trip (prior to any occurrence giving rise to a claim under this section) and which are not recoverable.
What You Are Not Covered For:
In addition to the General Exclusions of the policy, the Insurer shall not be responsible for:
1. the Excess as shown in the Schedule of Benefits for Abandonment;
2. claims arising from delay caused by strike if strike or industrial action was notified at the time the insurance was purchased.
3. your failure to check in as per your original itinerary.
4. any claim payable that can be paid under the section missed departure
NOTE: Both travel delay and abandonment are restricted to the following causes:
iv) Strike or industrial action
v) Adverse weather conditions
vi) Mechanical breakdown

SECTION C - PERSONAL LIABILITY
What You Are Covered For:
The Insurer will indemnify you up to the amount as shown in the Schedule of Benefits for the legal liability of the Insured for accidental injury to third parties and/or accidental damage to their property within the territorial limits of their policy. This cover is applicable only in respect of liability under the law of the country in which the event giving rise to the claim occurred, or under Irish or UK law, (Which ever is applicable to the case in point).
What You Are Not Covered For:
In addition to the General Exclusions of the policy, the Insurer shall not be responsible for:
1. the excess for damage to property as shown in the Schedule of Benefits;
2. claims arising directly or indirectly from, happening through or in consequence of:
(i) employer's liability, contractual liability, or liability to a member of your family or your travelling companion;
(ii) animals belonging to, or in the care, custody or control of the insured;
(iii) wilful, malicious or unlawful acts or the use of firearms;
(iv) the pursuit of trade, business or profession;
(v) ownership or occupation of land or buildings (other than your temporary trip accommodation); or
(vi) the influence of intoxicating liquor or drugs;
3. claims arising directly or indirectly from, happening through or in consequence of ownership, possession or use of any vehicle, automobile, aircraft, watercraft, or any mechanically propelled conveyance;
4. claims for legal fees and costs resulting from any criminal proceedings.
5. any claim where you have cover under another insurance policy.
SPECIAL NOTE:
No liability shall be admitted and no admission, arrangement, offer, promise or payment shall be made by the Insured without the written consent of the Insurer, who shall be entitled, if they so desire, to take over and conduct, in the name of the Insured, their defence of any claim or to prosecute for their own benefit any claims for indemnity, damages or otherwise against any third party. The Insurer shall have full discretion in the conduct of any negotiations, proceedings, or the settlement of any claims and the Insured shall, wherever possible, give all such information and assistance as the Insurer may require.

EXCLUSIONS APPLICABLE TO ALL SECTIONS OF THE INSURANCE
In addition to the General Exclusions of the policy, the Insurer shall not be responsible claims arising:
1. which are directly or indirectly caused by, occasioned by, resulting from or in connection with any of the following regardless of any other cause or event contributing concurrently or in any other sequence to the claim:
i). act of terrorism
ii). war, invasion or warlike operations (whether war be declared or not), hostile of sovereign or government entities, civil war, rebellion, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, or usurped power or martial law or confiscation by order of any government public authority; or
iii). seizure or illegal occupation; or
iv). confiscation, requisition, detention, legal or illegal occupation, embargo, quarantine or any result of any order of public or government authority which deprives you of the use or value of your property, nor for loss or damage from acts of contraband or illegal transportation or illegal trade; or
v). discharge of pollutants or contaminants, which pollutants and contaminants include but are not limited to any solid, liquid, gaseous or thermal irritant, contaminant or toxic or hazardous substance or any substance the presence, existence or release of which endangers or threatens to endanger the health, safety or welfare of persons or the environment; or
vi). chemical or biological release or exposure of any kind: or
vii). attacks by electronic means including computer hacking or the introduction form of computer virus; or
vii). threat or hoax, in the absence of physical damage due to an act of terrorism;
viii). any action taken in controlling, preventing, suppressing or in any way relating any act of terrorism
2. from loss or destruction of, or damage to any property whatsoever, or any loss expense whatsoever resulting in or arising therefrom, or any consequential loss legal liability of whatsoever nature, directly or indirectly caused by or contributed arising from:
(a) ionising radiation or contamination by radioactivity from any nuclear fuel any nuclear waste from the combustion of nuclear fuel; or
(b) the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof;
3. from you engaging in any illegal or criminal act;
4. from any consequential loss whatsoever. Claims shall only be paid for those losses which are specifically stated under the terms of this insurance;
5. directly or indirectly out of your financial incapacity, except in the circumstance redundancy;
6. which but for the existence of this insurance, would be covered under any other insurance policy(ies), including any amounts recovered by you from private health insurance, EHIC Card payments, any reciprocal health agreements, airlines, hotels, home contents Insurers or any other recovery by you which is the basis of a claim;
7. from the tour operator, airline or any other company, firm or person either becoming insolvent or being unable or unwilling to fulfil any part of their obligation.
8. from any hazardous activity including but not limited to all wintersports (except an appropriate premium has been paid)
9. from Suicide or attempted suicide or wilful exposure to danger (except in an attempt save human life), psychological and/or mental disorder, anxiety, stress or depression, venereal infection or the influence of or in connection with the use of alcohol unless as prescribed by a treating doctor;
10. from you being in or entering or descending from an aircraft other than a fully licenced passenger carrying aircraft you are travelling as a passenger other than as a of the crew and not for the purpose of undertaking any trade or technical operation therein or thereon;
11. from your wilful exposure to a peril. you must exercise reasonable care to prevent illness, injury or loss or damage of his property as if uninsured;
12. directly or indirectly from you being engaged in any manual employment after commencement of the trip;
13. which have not been proven and the amount thereof substantiated.
14. wilful exposure to areas known to be infected with:
a) Severe Acute Respiratory Syndrome (S.A.R.S)
b) Avian Influenza, Asian Bird Flu, and / or H5N1
c) Or any other Influenza A virus of epidemic or pandemic proportions.

EXCLUSIONS APPLICABLE TO ALL SECTIONS OF THE INSURANCE
In addition to the General Exclusions of the policy, the Insurer shall not be responsible claims arising:
1. which are directly or indirectly caused by, occasioned by, resulting from or in connection with any of the following regardless of any other cause or event contributing concurrently or in any other sequence to the claim:
i). act of terrorism

EXCLUSIONS APPLICABLE TO ALL SECTIONS OF THE INSURANCE
In addition to the General Exclusions of the policy, the Insurer shall not be responsible claims arising:
1. which are directly or indirectly caused by, occasioned by, resulting from or in connection with any of the following regardless of any other cause or event contributing concurrently or in any other sequence to the claim:
i). act of terrorism

CONDITIONS APPLICABLE TO ALL SECTIONS OF THE INSURANCE
1. All material facts must be disclosed to the Insurer at the time of taking out this Insurance. Failure to do so may result in the Insurers non-liability for claims. A material fact is any fact known to you which is likely to influence the Insurers in the acceptance or assessment of the insurance. If you are in any doubt as to whether a fact is 'material' then for your own protection it should be disclosed. All information provided in purchasing this insurance shall form the basis of the contract. The Insured should keep a record (including copies of letters) of all information provided by the Issuing Agent for the purpose of entering into this contract.
2. All Certificates, information and evidence required by the Insurer shall be furnished at your expense or your legal personal representatives and shall be in such form and of such nature as the Insurer may prescribe.
3. You shall as often as required submit to a medical examination on behalf of the Insurer at the Insurers expense.
4. In the event of your death, the Insurer shall be entitled to have a post-mortem examination at our own expense.
5. Any items which become the subject of a claim for loss or damage shall be retained for Insurer inspection and shall be forwarded to their agents upon request at the expense of you or your legal personal representatives. All such items shall become the property of the Insurer following final settlement of the claim.
6. In the event of any occurrence which may give rise to a claim under this insurance, you shall take all reasonable steps to minimise any loss arising out of such claim.
7. This insurance is non-transferable. Should the trip be cancelled prior to departure for any reason whatsoever other than those set out in the Cancellation section of the policy then the insurance cover terminates immediately and the premium is neither apportionable nor refundable.
8. The Insurer and the Insured are entitled to choose the law applicable to the insurance contract. The Insurer chooses English law and, in the absence of any agreement to the contrary, English law shall apply.
9. The Insurer, at its own expense, take proceedings in your name to recover compensation or secure an indemnity from any third party in respect of any loss or damage covered by this insurance and any amount so recovered shall belong to the Insurer.
10. In the event that the you recover by any means, damages from any third party in respect of personal accident, all benefits paid to you shall be repaid to the Insurer.
11. If any fraudulent claim is made or if any fraudulent means or devices are used to obtain any benefit under this policy, all benefits thereunder shall be forfeited as well as all premiums paid.

Excess
The first amount you and each person named under the insurance certificate have agreed to pay towards a claim under each section of this policy, as outlined within the Schedule of Benefits.