More Than Standard

SECTION 9 EMERGENCY MEDICAL EXPENSES
This is not private medical insurance but is designed to meet eligible emergency expenses as detailed below. Full use should be made, where possible, of reciprocal health agreements such as the EHIC within Europe or Medicare in Australia.
Note: Incidents which involve treatment in a hospital or clinic should be reported to FirstAssist immediately (please refer to the instructions on page 10).
WHAT IS COVERED
If during the journey you become ill, accidentally injured or you die, we will pay for reasonable and necessary emergency medical expenses up to the amount shown on your schedule for each insured person. This will include:
- The costs of medical, surgical, hospital, nursing home or nursing service fees, or charges for immediate and emergency dental treatment for the alleviation of sudden pain.
- This will also cover the reasonable additional charges for accommodation if it is necessary for the insured person to stay beyond the intended return date, and travel
expenses the insured person has to pay to get back to the United Kingdom if they cannot use their return ticket.
- Expenses incurred by one relative or travelling companion who is required on medical advice, to stay with or accompany the insured person.
- If you die, we will pay the cost of funeral expenses abroad or the cost of transporting your body or ashes and your personal baggage back to the United Kingdom, but not more than £5,000 in total.
Premier and Standard cover only:
- If during the journey you go into hospital for more than 24 hours, we will pay you £25 for each period of 24 hours while you are in hospital abroad, up to the amount shown in your schedule in total, as an additional cash benefit when you return to the United Kingdom.
WHAT IS NOT COVERED
The excess shown in your schedule of each claim for each insured person.
Any claim that involves treatment in a hospital or clinic unless reported to FirstAssist immediately.
The cost of replenishing any supplies of any medication you were using at the start of your journey.
The cost for repairs to,or for the provision of, dentures or artificial teeth or for any dental work involving the use of precious metals.
Any expenses relating to:
- Pregnancy or childbirth where the expected date of birth is less than 10 weeks after the intended return from your journey as detailed in your travel itinerary;or
- You being under the influence of alcohol or drugs (other than those prescribed by a medical practitioner except when prescribed for the treatment of drug addiction).
Any expense which arises more than 12 months after your intended return from your journey as detailed in your travel itinerary.
Expenses you have to pay in the United Kingdom or the country where you normally live, other than in connection with the transportation home of you or your remains.
The cost of any non-emergency treatment or surgery, including exploratory tests, which are not directly related to the illness or injury.
Any cosmetic surgery.
Any surgery or treatment which in the opinion of the doctor and our medical advisers, can be delayed until your return to the United Kingdom .
Any dental treatment which could wait until your return to the United Kingdom.
Any dental treatment, unless the injury is caused by accident or you need emergency treatment for the alleviation of sudden pain.
Any dental treatment more than the amount shown in your schedule Expenses which are not thought necessary by a medical practitioner.
Any claim which is a result of stress,anxiety or nervous disorder.
Anything specifically excluded from cover as detailed in the Policy Exclusions section.
CLAIMS EVIDENCE
We will require the following evidence:
- In the event of treatment at a hospital or clinic, costs will be guaranteed provided FirstAssist are contacted prior to the provision of such treatment and their
authorisation for such treatment is given. Please refer to the instructions at the beginning of this policy.
- Costs incurred in relation to minor illness or injury should be paid by you and claimed on your return from your journey. Receipts will be required for all expenses incurred.
- Other evidence that we may ask you

SECTION 10 PERSONAL ACCIDENT
WHAT IS COVERED
If during the journey you are accidentally injured and within 12 months you become disabled or die because of the injury, and the injury is the sole cause of death or
permanent total disability, we will pay you or your dependants:
(a) If you die, we will pay the amount shown in your schedule.
(b) If you suffer loss of limb or loss of sight we will pay the amount shown in your schedule.
(c) If you suffer permanent total disability from all gainful employment we will pay the amount shown in your schedule.
We will only pay one of the above benefits for each insured person if it related to the same accident. If an accident happens and you need to claim under benefits (b) or (c), we will not provide any cover for further accidents to that insured person.
If an insured person is under 18 or 70 or over we will only pay £2,500 for benefit (a) and no payment will be made under benefit (c).
WHAT IS NOT COVERED
We will not pay:
More than one of the above benefits in connection with the same incident.
Any benefit where injury, death or permanent total disability is the result of, or is contributed to, by pregnancy if the injury occurred within 3 months of the expected date
of confinement.
Any claim arising from sickness or disease or any naturally occurring condition or anything that happens gradually or a degenerative disease.
Any claim relating to pregnancy or childbirth when the expected date of birth is less than 10 weeks after the intended return from your journey as detailed on your travel itinerary.
Anything specifically excluded from cover as detailed in the Policy Exclusions section.
CLAIMS EVIDENCE
We will require the following evidence:
- A certificate from your medical practitioner.
- In the case of death, the original death certificate.
- Other evidence that we may ask you for.

SECTION 9 EMERGENCY MEDICAL EXPENSES
This is not private medical insurance but is designed to meet eligible emergency expenses as detailed below. Full use should be made, where possible, of reciprocal health agreements such as the EHIC within Europe or Medicare in Australia.
Note: Incidents which involve treatment in a hospital or clinic should be reported to FirstAssist immediately (please refer to the instructions on page 10).
WHAT IS COVERED
If during the journey you become ill, accidentally injured or you die, we will pay for reasonable and necessary emergency medical expenses up to the amount shown on your schedule for each insured person. This will include:
Premier and Standard cover only:
- If during the journey you go into hospital for more than 24 hours, we will pay you £25 for each period of 24 hours while you are in hospital abroad, up to the amount shown in your schedule in total, as an additional cash benefit when you return to the United Kingdom.

SECTION 9 EMERGENCY MEDICAL EXPENSES
This is not private medical insurance but is designed to meet eligible emergency expenses as detailed below. Full use should be made, where possible, of reciprocal health agreements such as the EHIC within Europe or Medicare in Australia.
Note: Incidents which involve treatment in a hospital or clinic should be reported to FirstAssist immediately (please refer to the instructions on page 10).
WHAT IS COVERED
If during the journey you become ill, accidentally injured or you die, we will pay for reasonable and necessary emergency medical expenses up to the amount shown on your schedule for each insured person. This will include:
- The costs of medical, surgical, hospital, nursing home or nursing service fees, or charges for immediate and emergency dental treatment for the alleviation of sudden pain.

SECTION 9 EMERGENCY MEDICAL EXPENSES
This is not private medical insurance but is designed to meet eligible emergency expenses as detailed below. Full use should be made, where possible, of reciprocal health agreements such as the EHIC within Europe or Medicare in Australia.
Note: Incidents which involve treatment in a hospital or clinic should be reported to FirstAssist immediately (please refer to the instructions on page 10).
WHAT IS COVERED
If during the journey you become ill, accidentally injured or you die, we will pay for reasonable and necessary emergency medical expenses up to the amount shown on your schedule for each insured person. This will include:
- If you die, we will pay the cost of funeral expenses abroad or the cost of transporting your body or ashes and your personal baggage back to the United Kingdom, but not more than £5,000 in total.

SECTION 9 EMERGENCY MEDICAL EXPENSES
This is not private medical insurance but is designed to meet eligible emergency expenses as detailed below. Full use should be made, where possible, of reciprocal health agreements such as the EHIC within Europe or Medicare in Australia.
Note: Incidents which involve treatment in a hospital or clinic should be reported to FirstAssist immediately (please refer to the instructions on page 10).
WHAT IS COVERED
If during the journey you become ill, accidentally injured or you die, we will pay for reasonable and necessary emergency medical expenses up to the amount shown on your schedule for each insured person. This will include:
- If you die, we will pay the cost of funeral expenses abroad or the cost of transporting your body or ashes and your personal baggage back to the United Kingdom, but not more than £5,000 in total.

SECTION 7 PERSONAL MONEY
WHAT IS COVERED
If your personal money is stolen or accidentally lost during a journey we will pay:
up to the amount shown in your schedule for loss,theft,damage or destruction of your personal money occurring on your journey.
Note: If you are under 16 claims for personal money are limited to £50.
WHAT IS NOT COVERED
The excess shown in your schedule of each claim for each insured person.
Personal money insured under another policy.
Where you do not take all reasonable steps to prevent or minimise loss or damage or to recover missing personal money .
Where you do not report loss to the police within 24 hours and obtain a written police report.
Any claims due to depreciation in value.
Any claims caused by shortages due to error or omission.
Any claims due to confiscation or requisition by customs or other officials or authorities.
Travellers cheques where the provider offers a replacement service.
Where personal money is left in an unattended motor vehicle.
Anything specifically excluded from cover as detailed in the Policy Exclusions section.
GUIDELINES TO LOOKING AFTER YOUR PERSONAL MONEY
You must take all reasonable care to look after your personal money such as:
- Keeping it on your person.
- Securing your personal money within baggage that stays with you at all times (e.g.not putting this luggage in the hold or overhead lockers of an aircraft).
- Keeping it in a locked safety deposit box or locked safe whilst in your hotel or holiday accommodation.
- Not leaving it on a beach,under a towel or a sunbed,no matter how well hidden.
If these guidelines are not observed your claim may not be paid.
CLAIMS EVIDENCE
We will require the following evidence:
- A copy of the police report.
- Receipts for travellers cheques and currency transactions.
- Other evidence that we may ask you for.

SECTION 12 LEGAL EXPENSES
WHAT IS COVERED
We will pay the legal expenses incurred by you or your representative, up to a limit of the amount shown in your schedule, in the pursuit of compensation and/or damages against a third party arising from or out of your personal injury or death as a direct result of an accident.
Provided that we shall have complete control over the legal proceedings and the appointment and control of any legal representative.
WHAT IS NOT COVERED
We will not pay for:
Anything specifically excluded from cover as detailed in the policy exclusions section of this policy.
Legal expenses incurred prior to the granting of support by us.
Any claim reported more than 90 days after the start of the event giving rise to such a claim.
Any claim where, in our opinion, there is insufficient prospect of success in obtaining a reasonable benefit.
Damages or fines you have to pay.
Claims arising from a journey solely within the United Kingdom.
Any claim arising from your business or professional activities.
Legal expenses incurred in relation to a dispute between you and us other than as detailed under the Arbitration clause below.
Any legal expenses which are dependent upon the successful outcome of the case.
CLAIMS SETTLEMENT CONDITIONS APPLYING TO THIS SECTION NOTIFICATION
You must inform us by filling in a claim form within 90 days of the commencement of the event giving rise to the claim. You must give us a full and truthful account of the details of your claim. Until you have told us about the claim and we have given our agreement, we will not be responsible for any legal expenses.
SELECTION OF THE APPOINTED REPRESENTATIVE
Outside the European Union, we have complete control over the legal proceedings and the selection, appointment and control of any appointed representatives.
ARBITRATION
If there is a dispute between you and us about this section of the policy, it can be taken to an independent arbitrator. The arbitrator will be a solicitor or barrister whom you and we agree to. If we cannot agree with you on an arbitrator, the President of the Law Society (or similar organisation) will choose the arbitrator. The side that loses the arbitration will pay the costs of the arbitration.If the decision is not totally in favour of one side, the arbitrator will decide who pays the costs. If you lose or are asked to pay a share of the costs, those costs will not be covered under this policy.
CO-OPERATION
We must be able to contact the appointed representative. You and the appointed representative must co-operate with us and tell us about developments concerning
your case. We must be able to have access to the appointed representatives files if we request this.
SETTLEMENT
You must tell us if an offer is made to settle the legal proceedings.
You must not negotiate or agree to settle the dispute without having our agreement beforehand.If you do not accept a reasonable offer, we may not continue to support
your claim.
PAYMENT OF BILLS
You must send us all bills for the appointed representatives legal expenses as soon as you receive them.You must confirm to us that any charges you have to pay are acceptable and that we may pay the bill for you.
RECOVERY
You and your appointed representative must take every step to recover legal expenses.
If we pay legal expenses up to the maximum for any one claim and you pay more legal expenses to end your case, we and you will share any legal expenses that are recovered.
We and you will each receive the same percentage as was paid.
CLAIMS EVIDENCE
We will require the following evidence:
- A doctors certificate in respect of accidental personal injury or death certificate in respect of accidental death.
- Any independent witness statements.
- Any available supporting documentary evidence (including photographs if possible).

SECTION 8 LOSS OF PASSPORT
This part of the insurance is only applicable under Standard and Premier cover.
If during the journey you lose your passport and you have to pay extra travel and accommodation costs abroad to allow you to get a replacement, we will pay up to £250 for each insured person.
WHAT IS NOT COVERED
The excess shown in your schedule of each claim for each insured person.
Any claim resulting from loss of passport not accompanied by a report from the consular representative confirming the date of loss, the date of notification of loss and the date on which a replacement passport was obtained.
Any claim not accompanied by a police report.
Claims arising from a journey solely within the United Kingdom.
Anything specifically excluded from cover as detailed in the Policy Exclusions section.
CLAIMS EVIDENCE
We will require the following evidence:
- A letter from the consular representative confirming dates of loss, notification of loss and replacement.
- A written report from the police within 24 hours of the incident.
- Other evidence that we may ask you for.

SECTION 13 MUGGING
This part of the insurance is only applicable under Standard and Premier cover.
WHAT IS COVERED
We will pay £50 per 24 hours up to the maximum amount shown in your schedule, in addition to any medical expenses incurred under Section 9 of this policy if you are mugged and, as a result of your injuries received from the mugging, are admitted as an in-patient to a registered hospital abroad.
WHAT IS NOT COVERED
Any claim where you do not obtain a police report of the mugging and confirmation of your injuries and period of in-patient treatment from the hospital.
Any claim arising from journeys taken within the United Kingdom.
Anything specifically excluded from cover as detailed in the Policy Exclusions section.
CLAIMS EVIDENCE
We will require the following evidence:
- A police report of the mugging.
- A report confirming your injuries and the period of hospital or in-patient treatment.

SECTION 14 HIJACK
This part of the insurance is only applicable under Standard and Premier cover.
WHAT IS COVERED
We will pay £50 per full 24 hours up to a maximum amount shown in your schedule for the duration of the hijack.
WHAT IS NOT COVERED
Any claim where you or your family or your business connections have engaged in activities that could be expected to increase the risk of hijack.
Anything specifically excluded from cover as detailed in the Policy Exclusions section.

SECTION 17 WINTER SPORTS COVER (OPTIONAL)
This part of the policy is subject to the appropriate premium for winter sports cover having been paid. This part of the insurance is not applicable under Economy cover.
Please check your policy schedule if you are unsure.
Annual policies provide winter sports cover up to 21 days in any insurance period.
Winter Sports is only available to persons aged under 65 years.
SPECIAL DEFINITIONS
Ski pack means pre-booked lift passes, ski tuition and ski hire.
Winter sports equipment means skis (including bindings), snowboards, boots and poles owned or hired by you.
WHAT IS COVERED
UNDER SECTION 1 CANCELLATION
In addition to unused travel and accommodation, we will pay up to £150 for pre-booked ski packs, which are not refundable.
UNDER SECTION 4 CURTAILMENT
In the event of curtailment, payment for unused ski packs will be on a pro rata basis for each full day that the ski pack is unused and we will pay up to £150.
UNDER SECTION 6 PERSONAL BAGGAGE
We will pay up to £400 in total for winter sports equipment.
We will pay up to £50 per week (to a maximum of £250) in total for the reasonable cost of hiring replacement winter sports equipment when your own equipment is lost, damaged or stolen.
UNDER SECTION 9 EMERGENCY MEDICAL EXPENSES
When a claim is accepted under section 9 we will also pay up to £150 for the unused ski pack following accidental injury or illness when supported with a medical report from the treating medical practitioner to confirm inability to ski.
PISTE CLOSURE
If during a journey you are prevented from skiing at the resort to which you have booked to travel because of a total closure of the skiing facilities due to either lack of or excess of snow for a period exceeding 24 consecutive hours (and you have been in resort for at least 24 hours) we will pay:
- Up to £25 per day for transportation costs and lift pass charges necessary and reasonably incurred by you to travel to and from another resort to ski, or A cash benefit of £25 per day payable only if no suitable alternative skiing is available.
The most we will pay under this section is £250 for each insured person.
WHAT IS NOT COVERED
Claims arising from:
Closure of the resort lift system due to dangerous high winds.
A journey solely within the United Kingdom .
Any circumstances where costs,compensation or alternative skiing facilities are provided to you.
Damage to winter sports equipment where the damage occurred whilst the equipment was in use.
CLAIMS EVIDENCE
We will require the following:
- A letter from your tour operator representative or ski lift operator confirming date(s) of and reasons for piste closure.
- The evidence set out in the relevant sections earlier in this policy.
SPECIAL CONDITIONS
You must at all times take reasonable precautions to ensure the safety and supervision of your winter sports equipment. If they are lost or damaged while in the care of a carrier, authority or hotel you must report to them, in writing where practical, details of the loss, damage or theft and obtain a written report (in the case of airline this must be a Property Irregularity Report). In all circumstances you must report the loss or theft to the police within 24 hours of discovery.

SECTION 17 WINTER SPORTS COVER (OPTIONAL)
This part of the policy is subject to the appropriate premium for winter sports cover having been paid. This part of the insurance is not applicable under Economy cover.
Please check your policy schedule if you are unsure.
Annual policies provide winter sports cover up to 21 days in any insurance period.
Winter Sports is only available to persons aged under 65 years.
SPECIAL DEFINITIONS
Ski pack means pre-booked lift passes, ski tuition and ski hire.
Winter sports equipment means skis (including bindings), snowboards, boots and poles owned or hired by you.
WHAT IS COVERED
UNDER SECTION 6 PERSONAL BAGGAGE
We will pay up to £400 in total for winter sports equipment.
We will pay up to £50 per week (to a maximum of £250) in total for the reasonable cost of hiring replacement winter sports equipment when your own equipment is lost, damaged or stolen.

SECTION 17 WINTER SPORTS COVER (OPTIONAL)
This part of the policy is subject to the appropriate premium for winter sports cover having been paid. This part of the insurance is not applicable under Economy cover.
Please check your policy schedule if you are unsure.
Annual policies provide winter sports cover up to 21 days in any insurance period.
Winter Sports is only available to persons aged under 65 years.
SPECIAL DEFINITIONS
Ski pack means pre-booked lift passes, ski tuition and ski hire.
Winter sports equipment means skis (including bindings), snowboards, boots and poles owned or hired by you.
WHAT IS COVERED
UNDER SECTION 6 PERSONAL BAGGAGE
We will pay up to £400 in total for winter sports equipment.
We will pay up to £50 per week (to a maximum of £250) in total for the reasonable cost of hiring replacement winter sports equipment when your own equipment is lost, damaged or stolen.

SECTION 17 WINTER SPORTS COVER (OPTIONAL)
This part of the policy is subject to the appropriate premium for winter sports cover having been paid. This part of the insurance is not applicable under Economy cover.
Please check your policy schedule if you are unsure.
Annual policies provide winter sports cover up to 21 days in any insurance period.
Winter Sports is only available to persons aged under 65 years.
SPECIAL DEFINITIONS
Ski pack means pre-booked lift passes, ski tuition and ski hire.
Winter sports equipment means skis (including bindings), snowboards, boots and poles owned or hired by you.
WHAT IS COVERED
UNDER SECTION 1 CANCELLATION
In addition to unused travel and accommodation, we will pay up to £150 for pre-booked ski packs, which are not refundable.

SECTION 17 WINTER SPORTS COVER (OPTIONAL)
This part of the policy is subject to the appropriate premium for winter sports cover having been paid. This part of the insurance is not applicable under Economy cover.
Please check your policy schedule if you are unsure.
Annual policies provide winter sports cover up to 21 days in any insurance period.
Winter Sports is only available to persons aged under 65 years.
SPECIAL DEFINITIONS
Ski pack means pre-booked lift passes, ski tuition and ski hire.
Winter sports equipment means skis (including bindings), snowboards, boots and poles owned or hired by you.
WHAT IS COVERED
PISTE CLOSURE
If during a journey you are prevented from skiing at the resort to which you have booked to travel because of a total closure of the skiing facilities due to either lack of or excess of snow for a period exceeding 24 consecutive hours (and you have been in resort for at least 24 hours) we will pay:
- Up to £25 per day for transportation costs and lift pass charges necessary and reasonably incurred by you to travel to and from another resort to ski, or A cash benefit of £25 per day payable only if no suitable alternative skiing is available.
The most we will pay under this section is £250 for each insured person.

SECTION 17 WINTER SPORTS COVER (OPTIONAL)
This part of the policy is subject to the appropriate premium for winter sports cover having been paid. This part of the insurance is not applicable under Economy cover.
Please check your policy schedule if you are unsure.
Annual policies provide winter sports cover up to 21 days in any insurance period.
Winter Sports is only available to persons aged under 65 years.
SPECIAL DEFINITIONS
Ski pack means pre-booked lift passes, ski tuition and ski hire.
Winter sports equipment means skis (including bindings), snowboards, boots and poles owned or hired by you.
WHAT IS COVERED
PISTE CLOSURE
If during a journey you are prevented from skiing at the resort to which you have booked to travel because of a total closure of the skiing facilities due to either lack of or excess of snow for a period exceeding 24 consecutive hours (and you have been in resort for at least 24 hours) we will pay:
- Up to £25 per day for transportation costs and lift pass charges necessary and reasonably incurred by you to travel to and from another resort to ski, or A cash benefit of £25 per day payable only if no suitable alternative skiing is available.
The most we will pay under this section is £250 for each insured person.

SECTION 17 WINTER SPORTS COVER (OPTIONAL)
This part of the policy is subject to the appropriate premium for winter sports cover having been paid. This part of the insurance is not applicable under Economy cover.
Please check your policy schedule if you are unsure.
Annual policies provide winter sports cover up to 21 days in any insurance period.
Winter Sports is only available to persons aged under 65 years.
SPECIAL DEFINITIONS
Ski pack means pre-booked lift passes, ski tuition and ski hire.
Winter sports equipment means skis (including bindings), snowboards, boots and poles owned or hired by you.
WHAT IS COVERED
PISTE CLOSURE
If during a journey you are prevented from skiing at the resort to which you have booked to travel because of a total closure of the skiing facilities due to either lack of or excess of snow for a period exceeding 24 consecutive hours (and you have been in resort for at least 24 hours) we will pay:
- Up to £25 per day for transportation costs and lift pass charges necessary and reasonably incurred by you to travel to and from another resort to ski, or A cash benefit of £25 per day payable only if no suitable alternative skiing is available.
The most we will pay under this section is £250 for each insured person.

SECTION 17 WINTER SPORTS COVER (OPTIONAL)
This part of the policy is subject to the appropriate premium for winter sports cover having been paid. This part of the insurance is not applicable under Economy cover.
Please check your policy schedule if you are unsure.
Annual policies provide winter sports cover up to 21 days in any insurance period.
Winter Sports is only available to persons aged under 65 years.
SPECIAL DEFINITIONS
Ski pack means pre-booked lift passes, ski tuition and ski hire.
Winter sports equipment means skis (including bindings), snowboards, boots and poles owned or hired by you.
WHAT IS COVERED
UNDER SECTION 6 PERSONAL BAGGAGE
We will pay up to £400 in total for winter sports equipment.
We will pay up to £50 per week (to a maximum of £250) in total for the reasonable cost of hiring replacement winter sports equipment when your own equipment is lost, damaged or stolen.

SECTION 17 WINTER SPORTS COVER (OPTIONAL)
This part of the policy is subject to the appropriate premium for winter sports cover having been paid. This part of the insurance is not applicable under Economy cover.
Please check your policy schedule if you are unsure.
Annual policies provide winter sports cover up to 21 days in any insurance period.
Winter Sports is only available to persons aged under 65 years.
SPECIAL DEFINITIONS
Ski pack means pre-booked lift passes, ski tuition and ski hire.
Winter sports equipment means skis (including bindings), snowboards, boots and poles owned or hired by you.
WHAT IS COVERED
UNDER SECTION 6 PERSONAL BAGGAGE
We will pay up to £400 in total for winter sports equipment.
We will pay up to £50 per week (to a maximum of £250) in total for the reasonable cost of hiring replacement winter sports equipment when your own equipment is lost, damaged or stolen.

SECTION 6 PERSONAL BAGGAGE (OPTIONAL)
Claims settlement
We will pay for the cost of replacement as new (or at our option we will replace as new) less a deduction for wear, tear and depreciation.

SECTION 6 PERSONAL BAGGAGE (OPTIONAL)
This part of the policy sets out the cover we provide for your personal baggage unless your schedule states that personal baggage is not covered under your policy.
WHAT IS COVERED
If your personal baggage is lost, stolen or damaged we will pay:
- Up to the amount shown in your schedule for the repair or replacement as new, less a deduction for wear, tear and depreciation.
- Not more than the amount shown in the table below for any one item, pair or set of items.
- Not more than the amount shown in the table below for valuables in total.
       Single item,       Valuables
       pair or set limit
      
Premier      £250        £500
Standard      £250        £300
Economy      £150        £200

Specific conditions applying to personal baggage
You must take all normal precautions to secure the safety of your personal baggage, and must not leave it unsecured or unattended at any time in a place to which the public have access.
Claims settlement
We will pay for the cost of replacement as new (or at our option we will replace as new) less a deduction for wear, tear and depreciation.
WHAT IS NOT COVERED
The excess shown in your schedule of each claim for each insured person.
Personal baggage insured under another policy.
Cassettes or tapes or discs, contact or corneal lenses, stamps or documents, typewriters, glass, china, antiques, pictures, pedal cycles, hearing aids, coupons, personal organisers (electronic or not), mobile phones, portable personal computers, calculators, dictaphones, portable facsimile machines, telephones, modems, portable overhead projectors, samples or merchandise or business goods, musical instruments, sculpture, household goods or equipment.
Breakage of or damage to fragile articles unless caused by fire or accident to the ship, aircraft, train or motor vehicle.
Where you do not take all reasonable steps to prevent or minimise loss or damage and to recover missing property.
Where you do not report loss to the police or loss or damage to the carrier within 24 hours of discovery, and obtain a written police report or Property Irregularity Report
obtained from your carrier.
Sports equipment in use.
Valuables left in an unattended motor vehicle, unless left in a locked boot, locked covered luggage area or locked glove compartment of a motor vehicle, and following physical evidence of forcible entry.
Valuables in transit on a journey and not in your custody or control.
Loss of or damage to personal baggage left unattended unless:
- Left in your locked journey accommodation;
- Left in the locked boot, locked covered luggage area, locked roofbox or locked glove compartment of a motor vehicle and following physical evidence of forcible entry.
- Arising from strikes, delay, confiscation, detention, requisition or destruction by customs or other officials or authorities.
- Due to atmospheric or climatic conditions or wear and tear or depreciation.
- To film other than its value as unused material.
Any personal baggage which is lost, stolen or damaged whilst being shipped as freight or under a bill of lading.
Anything specifically excluded from cover as detailed in the Policy Exclusions section.
CLAIMS EVIDENCE
We will require the following evidence:
- A Property Irregularity Report obtained from your airline or a letter from the carrier where the loss or damage occurred in their custody.
- A copy of the police report for all other losses.
- Other evidence that we may ask you for.

SECTION 5 BAGGAGE DELAY
WHAT IS COVERED
The cost of buying essential items if your personal baggage has been delayed or misplaced by the carrier for more than 12 hours during the outward part of a journey.
We will pay up to the amount shown in your schedule for each insured person if your personal baggage is misplaced by your carrier for more than 12 hours.
If we pay your claim under this section we will deduct the amount from the final settlement of any claim you make under section 6, Personal Baggage, if the baggage is found to be permanently lost.
WHAT IS NOT COVERED
Claims arising from a journey solely within the United Kingdom.
Anything specifically excluded from cover as detailed in the Policy Exclusions section.
CLAIMS EVIDENCE
We will require the following evidence:
- A Property Irregularity Report obtained from your airline or a letter from the carrier detailing the loss.
- Detailed receipts for all essential replacement items purchased.
- Other evidence that we may ask you for.

SECTION 1 CANCELLING YOUR JOURNEY
WHAT IS COVERED
If you are forced to cancel your journey, due to one of the reasons listed below, we will provide the following cover:
- The money you lose for the deposit and any advance payments for unused travel and accommodation for the insured person.
- Other transport charges and accommodation charges, which you have paid, or you will have to pay under contract for the insured person.
We will pay up to the cost of the journey but no more than the amount shown in your schedule for each insured person.
We will take off any amounts you can recover from elsewhere.
We will pay these amounts if you have to cancel your journey because of the following:
- Accidental injury to, or illness or death of the insured person and/or any person with whom you are going to travel or stay with during the journey.
- The death or life threatening accidental injury or illness of a close relative and/or a close business colleague living in the United Kingdom.
- If you or anyone with whom you are going to travel on the journey are placed in quarantine, summoned for jury service, called as a witness in a court of law.
- If you or a travelling companion are hijacked (unlawful seizure of the vehicle in which you are travelling).
- If you are made redundant when you are under 65 years of age and have had two years continuous employment and your redundancy is notified to you after the issue
of the policy.
- If your presence, or that of anyone with whom you are going to travel on the journey, is required following serious fire, storm or flood damage at your or their home, or place of business, in the United Kingdom or required by the police following burglary at your or their home, or place of business, in the United Kingdom.
WHAT IS NOT COVERED
The excess shown in your schedule of each claim for each insured person.
If you do not check in on time, unless you could not check in because of extreme bad weather in the United Kingdom.
Compensation for frequent flyer points or similar schemes.
Any claim arising from any circumstances you knew about when you booked the journey and you expected would mean that you may have to cancel the journey.
Industrial action or strikes which happened, or which were expected on or before the date you booked the journey.
Your being pregnant unless the expected date of birth is more than ten weeks after the intended return from your journey.
Civil commotion, strike,lock-out, actions of government of any country or threat of any such event.
Failure of any tour operator, carrier or your agents (note:your own agents insurance scheme should cover such failure).
Failure of your own vehicle or that of any other person.
Your disinclination to travel.
Operation of law.
Your failure to obtain the required passport, visa or necessary documentation.
Lack of snow if you have chosen the winter sports cover option.
Anything specifically excluded from cover as detailed in the Policy Exclusions section.
CLAIMS EVIDENCE
We will require the following evidence:
- A certificate from the treating medical practitioner explaining why he/she deemed it medically necessary for you to cancel or cut short your journey .
- A cancellation invoice from your carrier and/or your accommodation provider.
- Unused travel tickets.
- A letter from a suitable authority confirming your need to cancel due to jury service, being called as a witness in a court of law, redundancy, your home being flooded
or burgled.
- Other evidence that we may ask you for.
SECTION 4 CURTAILMENT (CUTTING YOUR JOURNEY SHORT)
WHAT IS COVERED
If you are forced to curtail (cut short) your journey, due to one of the reasons listed below, we will provide the following cover.
A proportion of the transport and accommodation charges which you have paid or which you are contracted to pay. The payment will be on a pro-rata basis for each complete day based on your arrival date back in the United Kingdom or for journeys solely within the United Kingdom your arrival back at your home.
The extra cost of travel and accommodation you have paid to allow you to return to the United Kingdom.
We will not pay any amounts you can recover from elsewhere.
We will pay the proportional cost of the journey but no more than the amount shown in your schedule for each insured person.
- Accidental injury to, or illness or death of the insured person and/or any travelling companion.
- The death or life threatening accidental injury or illness of a close relative and/or a close business colleague living in the United Kingdom.
- If you or a travelling companion are called as a witness in a court of law.
- If you or a travelling companion are hijacked (unlawful seizure of the vehicle in which you are travelling).
- If your presence or that of a travelling companion is required following serious fire, storm or flood damage at your or their home, or place of business, in the United
Kingdom.
If you or your travelling companion are required by the police following burglary at your or their home, or place of business, in the United Kingdom.
WHAT IS NOT COVERED
The excess shown in your schedule of each claim for each insured person.
Any claim arising from circumstances you knew about when you booked the journey.
Compensation for frequent flyer points or similar schemes.
Industrial action or strikes which happened, or which were expected on or before the date you booked the journey.
You being pregnant unless the expected date of birth is more than ten weeks after the intended return from your journey.
Civil commotion,strike, lock-out, actions of government of any country or threat of any such events.
Failure of any tour operator, carrier or your agents (note: your own agents insurance scheme should cover such failure).
Your disinclination to travel.
Operation of law.
Your failure to obtain the required passport, visa or necessary documentation.
Anything specifically excluded from cover as detailed in the Policy Exclusions section.
CLAIMS EVIDENCE
We will require the following evidence:
- A certificate from the treating medical practitioner, at your resort, destination or place of incident explaining why it was deemed medically necessary for you to cut
short your journey.
- Unused travel tickets.
- A letter from a suitable authority confirming your need to cut short your journey due to being called as a witness in a court of law, or your home being flooded or burgled.
- Other evidence that we may ask you for.

SECTION 2 MISSED DEPARTURE
WHAT IS COVERED
We will pay up to the amount shown in your schedule for extra transport and accommodation charges to allow you to reach your outward destination if you arrive
at the port, airport or station too late because:
The public transport services on which you are travelling are affected by a strike, industrial action, bad weather or mechanical breakdown.
The vehicle in which you are travelling is damaged in an accident or breaks down.
WHAT IS NOT COVERED
The excess shown in your schedule of each claim for each insured person .
Any claim you make if the strike or industrial action happened, or was expected to happen,before your departure from your home.
Any accidental damage or breakdown of the vehicle in which you are travelling if the
vehicle is not in good mechanical or roadworthy condition due to neglect.
Claims arising from a journey solely within the United Kingdom.
Any claim arising from your failure to allow sufficient time to reach your departure point, or due to traffic congestion.
Anything specifically excluded from cover as detailed in the Policy Exclusions section.
CLAIM EVIDENCE
We will require the following evidence:
- A letter from the carrier giving reasons for the late arrival.
- If the vehicle in which you are travelling breaks down or is damaged in an accident, a letter from a motor vehicle repairer or recovery company.
- Other evidence that we may ask you for.

SECTION 3 TRAVEL DELAY
WHAT IS COVERED
If the coach,train,ship or aircraft on which you are booked to travel is delayed on a direct trip from the United Kingdom resulting in you arriving at your final destination
at least 12 hours after your original scheduled arrival time.We will pay:
- £20 if you are delayed for at least 12 hours.
- A further £20 for each additional six hours you are delayed.
We will pay up to the amount shown on your schedule. A maximum of £100 will be paid under this section.
Section 1 under this policy will apply if you decide to abandon the journey prior to departure from the United Kingdom after a delay of at least 24 hours.
Cover ceases under this section after the first leg of a journey when an overnight stop is included in your itinerary.
WHAT IS NOT COVERED
If you do not check in on time (unless you could not check in because of extreme bad weather in the United Kingdom).
The delay is caused by a strike or industrial action which happened or which was expected to happen before the date you booked your journey.
The delay is caused by the coach, train, ship or aircraft being ordered by a port authority or the civil aviation authority or similar organisation to stop your journey.
You decide to cancel the journey and we pay a claim under section 1 of this policy.
Claims arising from a journey solely within the United Kingdom.
Anything specifically excluded from cover as detailed in the Policy Exclusions section.
CLAIMS EVIDENCE
We will require the following evidence:
- A letter from the carrier detailing reasons for the delay,and the scheduled and actual departure times and confirmation of your check in.
- Other evidence that we may ask you for.

SECTION 3 TRAVEL DELAY
WHAT IS COVERED
If the coach,train,ship or aircraft on which you are booked to travel is delayed on a direct trip from the United Kingdom resulting in you arriving at your final destination
at least 12 hours after your original scheduled arrival time. We will pay:
- £20 if you are delayed for at least 12 hours.
- A further £20 for each additional six hours you are delayed.
We will pay up to the amount shown on your schedule. A maximum of £100 will be paid under this section.
Section 1 under this policy will apply if you decide to abandon the journey prior to departure from the United Kingdom after a delay of at least 24 hours.
Cover ceases under this section after the first leg of a journey when an overnight stop is included in your itinerary.
WHAT IS NOT COVERED
If you do not check in on time (unless you could not check in because of extreme bad weather in the United Kingdom).
The delay is caused by a strike or industrial action which happened or which was expected to happen before the date you booked your journey.
The delay is caused by the coach, train, ship or aircraft being ordered by a port authority or the civil aviation authority or similar organisation to stop your journey.
You decide to cancel the journey and we pay a claim under section 1 of this policy.
Claims arising from a journey solely within the United Kingdom.
Anything specifically excluded from cover as detailed in the Policy Exclusions section.
CLAIMS EVIDENCE
We will require the following evidence:
- A letter from the carrier detailing reasons for the delay, and the scheduled and actual departure times and confirmation of your check in.
- Other evidence that we may ask you for.

SECTION 11 PERSONAL LIABILITY
WHAT IS COVERED
We will pay up to the amount shown in your schedule in respect of third party costs and settlements which you are legally liable to pay as a result of:
- Accidental injury ,illness or disease of any person.
- Accidental loss of or damage to property provided it does not belong to you, nor is in your charge, nor under your control nor under the control of any member of your family.
- Loss of or damage to your temporary journey accommodation, provided it does not belong to you or any member of your family and costs incurred by you as agreed with us in writing.
WHAT IS NOT COVERED
We will not pay for any liability arising from:
Death,disease, illness or physical injury of your family or an employee of you or your family .
Loss or damage to your property or that of your family or an employee.
The employment, business or profession of you or a member of your family.
An agreement unless the liability would have existed without the agreement.
The ownership of land or building by you.
The occupation of land or buildings by you other than temporary holiday accommodation.
Your ownership, custody or control of any animal.
Your deliberate act or omission.
A liability for which an indemnity is provided by another insurance.
Your ownership or use of any horsedrawn, motorised, mechanically propelled or towed vehicle (other than a wheelchair but including cars, motorcycles and mopeds), caravan, trailer, aircraft, jet ski, jet bike, hovercraft, boat or firearm.
Anything specifically excluded from cover as detailed in the policy exclusions section.
CLAIMS EVIDENCE
We will require all available supporting evidence.

SECTION 15 CATASTROPHE
This part of the insurance is only applicable under Standard and Premier cover.
WHAT IS COVERED
Additional accommodation and transport costs up to the amount shown in your schedule needed to move you to a similar accommodation if you cannot use your booked accommodation as a result of fire, flood, earthquake or storm.
WHAT IS NOT COVERED
Claims where you have not obtained prior authorisation from us.
Where you do not obtain a letter from the police,accommodation provider or tour operator confirming that you could not use your accommodation.
Costs you have already recovered from your tour operator or anywhere else.
Anything specifically excluded from cover as detailed in the Policy Exclusions section.
CLAIMS EVIDENCE
We will require the following evidence:
- A letter from the police, accommodation provider or tour operator confirming that you could not use your accommodation.

24-HOUR ASSISTANCE
WHAT TO DO IN THE EVENT OF A MEDICAL EMERGENCY
Our Emergency Assistance Service is operated by FirstAssist Services Ltd.
When you telephone FirstAssist your call will be answered by an experienced assistance co-ordinator who will help you with your problem.
HOW TO CONTACT FIRSTASSIST:
Within the UK Tel:0208 763 3021 Fax:020 8763 3035
Dialling from Abroad Tel:+44 208 763 3021 Fax:020 8763 3035
When calling please quote your travel policy number on your schedule, alternatively you can transfer the number into the space below:
E-MAIL CONTACTS
An on-line new case notification form is available on the FirstAssist website:
www.firstassist.co.uk
Click on Assistance services/Claims information.
For ongoing enquiries you can e-mail direct on international.ops@firstassist.co.uk
EMERGENCY MEDICAL EXPENSES
For emergency medical expenses under £500 which do not require the assistance of FirstAssist please pay your costs directly and contact the claims line on 0800 300 909 within 14 days of returning home from your journey.
MEDICAL ASSISTANCE
If you require medical assistance FirstAssist will ensure that where appropriate:
- Hospitals or clinics will be contacted and any necessary fees guaranteed.
- Doctors and hospitals abroad will be contacted in their own language, where necessary.
- FirstAssist medical advisors are consulted at an early stage on the possibility of arranging for the sick or injured person to be returned home and the best method of
transportation to be adopted. Specially equipped air ambulances are available for critical cases. Whenever necessary the patient will be escorted by a medical attendant.
- Assistance will be provided upon arrival in the United Kingdom where medically necessary.

GENERAL CONDITIONS
These are the conditions, together with any special terms, that must be complied with.
Any failure to do so may mean that we will not accept a claim under this insurance.
You must take all reasonable steps to prevent accidents, illness, loss or damage or liability as if you are uninsured. You must also make every reasonable effort to recover any property which has been lost.
You must be a resident of the United Kingdom.
You cannot transfer your interest in this policy to anyone else unless you get our written permission.
MONTHLY PAYMENTS
If you have purchased an Annual policy your insurance is for 12 months so your legal contract is with us for this period. We may agree to you paying your premiums in instalments. If you miss a monthly payment,we will send you a reminder asking you to pay the premiums you have missed. If you do not pay the premiums you have missed by the date given in the reminder letter, we will cancel all the cover under your policy. You will be liable for the full Annual premium.
We also reserve the right to terminate the policy in the event that there is a default in instalment payments due under any linked loan agreement, by giving you 7 days notice at your last known address.
AUTHORITY TO RENEW
If we are willing to continue providing cover and we inform you beforehand of our renewal terms, you authorise us to renew this policy and any subsequent policy on expiry, in accordance with our renewal terms at that time, unless you inform us otherwise before the renewal date.
NOTIFICATION
You or your representative must contact us as soon as possible. Full information is provided at the beginning of this policy.
As soon as you are aware that an event has happened for which you can claim, you must notify us in writing or by phone (see How to Claim section). You may wait until you return home (provided the claim is not over £500 of Emergency Medical Expenses) before submitting your claim, but we must be advised of any claim within two months of the event, failure to do so may result in non payment of your claim.
EVIDENCE
You must send us any evidence we ask for to do with your claim, the cost of which will be your responsibility. Specific sections have specific requirements (please read the section you will be making the claim under to see these).
OTHER INSURANCES
If you claim under this policy for something which is also covered by another insurance policy, we will only pay our share of any claim. You must give us full details of the other insurance policy. If you have a no claims discount (NCD) on a household insurance policy, any recovery we make from your household insurer will not affect that NCD.