Nationwide Travel Insurance

winterports

Medical warranty
Please read the following medical warranty.If you think your cover may be affected,please call Nationwide travel insurance on 08456 41 97 20. All calls are treated in the strictest confidence.
1 You will not be covered for any claim relating directly or indirectly to a health condition for which, at the time of taking out this insurance, you or any person upon whom your journey depends:
a are being prescribed regular medication,
b are under the care of a doctor or a hospital specialist
c are awaiting medical tests or the results thereof
Or
If you have had a diagnosis of malignant disease (cancer) made in the 5 years prior to taking out this insurance
Unless
The condition(s)has(have)been declared to and accepted by us.
But
If you have one (and only one)of the following conditions and you are seeking cover for European travel only, there is no need to declare it. Should you need to claim on this policy, your doctor must confirm in writing the date of diagnosis, that the condition was stable prior to travel and that there was no foreseeable reason why you should need to claim on this policy:
Acid reflux Acne
Arthritis
Asthma if well controlled by using inhalers only
Colds or `flu'
Dyspepsia
Hayfever
Hernia
Hypertension (high blood pressure)
Hyperthyroidism (overactive thyroid)
Hypothyroidism (underactive thyroid)
Irritable bowel syndrome
Meniere's disease
Eczema
Glaucoma
Migraine
Psoriasis
Gout
Tonsillitis
Varicose veins
2 You will not be covered if you travel against the advice of a doctor
3 If you develop a medical condition or your existing condition deteriorates after your policy was issued,you should call Nationwide travel insurance on 08456 41 97 20 to make sure your policy cover is not affected.
4 You will not be covered if you know you will need medical treatment while you are away.
5 You will not be covered if you travel specifically to get medical treatment while you are away.
6 You will not be covered if, before your policy was issued, a doctor diagnosed that you have a terminal condition.
7 You must not have been waiting for medical treatment as a hospital patient or have been under investigation when your policy was issued.
8 You will not be covered for claims relating to pregnancy or childbirth if the due date was:
- less than 16 weeks before the end of a journey outside of Europe; or
- less than 8 weeks before the end of a journey within Europe.
- This is not a private medical insurance policy and only gives cover in the event of accident or illness if you need emergency medical treatment.
Reciprocal health arrangements
If you are travelling to a European Union country which is listed on the back of the E111 form which you should get from your local post office, you will be entitled to treatment from the equivalent of the National Health Service in the country you are visiting. If you make use of these arrangements or any other worldwide reciprocal health arrangement and your claim under section 2 is reduced, you will not have to pay any excess.

Emergency medical and associated expenses -Section 2
If you are taken into hospital or you think you may have to come home early or extend your journey because of illness or accident, or you are likely to run up medical fees over £250, we must be told immediately -see under the heading `24-hour medical emergency and repatriation service'on page 7 for more information.
WHAT IS COVERED
We will pay you or your legal representatives for the following necessary emergency expenses which you run up for an incident during a journey.
1 Outside the UK.
a Up to £10 million for reasonable fees or charges you run up for:
i medical,surgical, medication costs,hospital, nursing home or nursing services;
ii. reasonable extra transport and accommodation costs for you and any one other person who stays or travels with you or to you from the UK on medical advice;
iii transporting your body or ashes to your home or we will pay up to £1,500 for your funeral expenses, in the place where you die outside the UK.
b £25 for each 24-hour period that you are in hospital as an in-patient up to £600 in total during the journey as well as any fees or charges paid under 1a.
c Emergency dental treatment to relieve sudden pain.
d Up to £1,000 in total for your excursions that have been paid for before your journey began and that cannot be recovered from anywhere else, if you get written advice from a doctor that you cannot go on them,because of an injury or illness during your journey.
WHAT IS NOT COVERED
Under la lc and 2 of this section
An excess of £50 for each incident claimed for under this section, unless your claim is reduced because you used an E111 form within one of the European Union countries listed on the back of the form or any other reciprocal health arrangement.
The cost of replacing any medication you were using when you began your journey.
Under 1 and 2 of this section
Any condition stated under the medical warranty on pages 5-6.
Extra transport and accommodation costs which are of a higher standard to those already used on your journey, unless we agree.
Anything caused by:
-you travelling in an aircraft (except as a passenger in a fully-licensed, passenger-carrying aircraft);
your suicide, self-injury or deliberately putting yourself at risk (unless you were trying to save another person's life);
you being under the influence of drugs (except those prescribed by a doctor but not for the treatment of drug addiction);
the direct or indirect effect of you using alcohol or solvents;
you travelling on a motorcycle, unless the rider holds an appropriate valid licence and all insured persons are wearing crash helmets;
you taking part in any hazardous activity unless shown on your policy schedule.
Claims relating to pregnancy or childbirth,where the due date is:
less than 16 weeks before the end of a journey outside of Europe; or
less than 8 weeks before the end of a journey within Europe.
Under 1a i of this section
Services or treatments you receive within the UK.
Services or treatments you receive which the doctor in attendance and we think can wait until you get back to the UK.
Medical costs over £250, in- patient treatment or repatriation which we have not authorised. The extra costs of having a single or private room in a hospital or nursing home.
The cost of all treatment which is not directly related to the illness or injury that caused the claim.
Under la iii of this section
Your burial or cremation within the UK.

Personal accident - Section 7
WHAT IS COVERED
We will pay you or your legal representative one of the following amounts for an accident during your journey.
1 £25,000 for death.(We will not pay more than £2,500 if you are 15 or under at the time of the accident.)
2 £25,000 for total and permanent loss of sight in one or both eyes or total and permanent loss of use of one or both hands or feet.
3 £25,000 for a permanent physical disability as a result of
which there is no work which you are able to do.(We will not pay any compensation if you are aged 66 or over at the time of the accident.)
WHAT IS NOT COVERED
Anything caused by:
your sickness, disease,p hysical or mental condition that is gradually getting worse unless shown on your policy schedule;
you travelling in an aircraft (except as a passenger in a fully-licensed,p assenger-carrying aircraft);
your suicide, self-injury or deliberately putting yourself at risk (unless you were trying to save another person's life);
you being under the influence of drugs (except those prescribed by a doctor but not for the treatment of drug addiction);
the direct or indirect effect of you using alcohol or solvents;
you travelling on a motorcycle, unless the rider holds an appropriate valid licence and all insured persons are wearing crash helmets;
you taking part in any hazardous activity unless shown on your policy schedule. We will not pay more than one of the benefits resulting from the same injury .

Emergency medical and associated expenses -Section 2
If you are taken into hospital or you think you may have to come home early or extend your journey because of illness or accident, or you are likely to run up medical fees over £250, we must be told immediately -see under the heading `24-hour medical emergency and repatriation service'on page 7 for more information.
WHAT IS COVERED
We will pay you or your legal representatives for the following necessary emergency expenses which you run up for an incident during a journey.
1 Outside the UK.
a Up to £10 million for reasonable fees or charges you run up for:
i medical,surgical, medication costs,hospital, nursing home or nursing services;
ii. reasonable extra transport and accommodation costs for you and any one other person who stays or travels with you or to you from the UK on medical advice;
iii transporting your body or ashes to your home or we will pay up to £1,500 for your funeral expenses, in the place where you die outside the UK.
b £25 for each 24-hour period that you are in hospital as an in-patient up to £600 in total during the journey as well as any fees or charges paid under 1a.

Emergency medical and associated expenses -Section 2
If you are taken into hospital or you think you may have to come home early or extend your journey because of illness or accident, or you are likely to run up medical fees over £250, we must be told immediately -see under the heading `24-hour medical emergency and repatriation service'on page 7 for more information.
WHAT IS COVERED
We will pay you or your legal representatives for the following necessary emergency expenses which you run up for an incident during a journey.
1 Outside the UK.
a Up to £10 million for reasonable fees or charges you run up for:
i medical,surgical, medication costs,hospital, nursing home or nursing services;
ii. reasonable extra transport and accommodation costs for you and any one other person who stays or travels with you or to you from the UK on medical advice;
iii transporting your body or ashes to your home or we will pay up to £1,500 for your funeral expenses, in the place where you die outside the UK.
b £25 for each 24-hour period that you are in hospital as an in-patient up to £600 in total during the journey as well as any fees or charges paid under 1a.
c Emergency dental treatment to relieve sudden pain.

Emergency medical and associated expenses -Section 2
If you are taken into hospital or you think you may have to come home early or extend your journey because of illness or accident, or you are likely to run up medical fees over £250, we must be told immediately -see under the heading `24-hour medical emergency and repatriation service'on page 7 for more information.
WHAT IS COVERED
We will pay you or your legal representatives for the following necessary emergency expenses which you run up for an incident during a journey.
1 Outside the UK.
a Up to £10 million for reasonable fees or charges you run up for:
i medical,surgical, medication costs,hospital, nursing home or nursing services;
ii. reasonable extra transport and accommodation costs for you and any one other person who stays or travels with you or to you from the UK on medical advice;
iii transporting your body or ashes to your home or we will pay up to £1,500 for your funeral expenses, in the place where you die outside the UK.

Emergency medical and associated expenses -Section 2
If you are taken into hospital or you think you may have to come home early or extend your journey because of illness or accident, or you are likely to run up medical fees over £250, we must be told immediately -see under the heading `24-hour medical emergency and repatriation service'on page 7 for more information.
WHAT IS COVERED
We will pay you or your legal representatives for the following necessary emergency expenses which you run up for an incident during a journey.
1 Outside the UK.
a Up to £10 million for reasonable fees or charges you run up for:
i medical,surgical, medication costs,hospital, nursing home or nursing services;
ii. reasonable extra transport and accommodation costs for you and any one other person who stays or travels with you or to you from the UK on medical advice;
iii transporting your body or ashes to your home or we will pay up to £1,500 for your funeral expenses, in the place where you die outside the UK.

Personal money - Section 6
Your policy schedule will show if this section is excluded.
WHAT IS COVERED
Up to £500 for loss or theft of your personal money (but no more than £250 in cash in total while on you,whether jointly owned or not)while on your journey.
WHAT IS NOT COVERED
An excess of £50 for each incident claimed for under this section.
Compensation unless you can provide receipts of the amount you had from the place where you got the currency.
Loss or theft of personal money, unless it is with you,locked in a safe or safety deposit box (if one is available)or locked in the accommodation you are using on your journey.
Loss caused by a reduction in exchange rates or shortage caused by mistakes in exchanging currency.
Loss or theft of travellers'cheques when the place where you got them from provides a replacement service.
More than the minimum market value of equivalent travel tickets, if your travel tickets have been paid for using an airline mileage reward scheme.

Legal expenses -Section 12
You can call our 24-hour legal helpline 365 days a year for advice on any travel related legal problem to do with your journey on:
Phone:+44 (0) 20 8603 9370
WHAT IS COVERED
If you die, are ill, or injured during your journey and you or your legal representatives take legal action to get compensation, we will do the following to get compensation for this death, injury or illness:
1 Up to £25,000 for you (but not more than £50,000 in total for all of you)for legal costs and expenses, directly related to the legal action.
2 Up to £1,000 in total for you, for travel and accommodation costs that you have to pay to go to a foreign court in connection with any legal action under 1 above.
We will also pay
3 Up to £1,000 in total for initial consultation costs of a lawyer to visit you, if legal procedings are brought against you while you are on your journey.
WHAT IS NOT COVERED
Costs or expenses that we have not agreed to.
Any claim not reported to us within 90 days after the event giving rise to the claim.
Any claim against a travel agent, tour operator or carrier, us, the insurer, or Nationwide.
Any claim where we think a reasonable settlement is unlikely or where the cost of the action could be more than the settlement.
You or your legal representative must repay us any amounts we have paid from the compensation received. We will always try to reach an amicable settlement.
Actions against members of the same household, a travelling companion, a relative, or actions to enforce a judgement or legally binding decision.
Costs for bringing legal action in more than one country for the same event.

Loss of travel documents - Section 3
WHAT IS COVERED
Up to £250 in total for the cost of extra transport and
accommodation you have to pay to replace your passport, visas and driving licence if they are lost, stolen or destroyed on your journey.
WHAT IS NOT COVERED
Compensation unless you get a letter from the consulate you reported the loss to.

Loss of travel documents - Section 3
WHAT IS COVERED
Up to £250 in total for the cost of extra transport and
accommodation you have to pay to replace your passport, visas and driving licence if they are lost, stolen or destroyed on your journey.
WHAT IS NOT COVERED
Compensation unless you get a letter from the consulate you reported the loss to.

Hijack - Section 11
WHAT IS COVERED
If you are delayed in reaching your journey destination or returning home as a result of being hijacked. We will pay:
1 £100 for any period in the first 24 hours and then for any period in each subsequent 24 hours up to £1,000 in total; or
2 Up to £5,000 in total for your part of the unused costs of the journey which have been paid or where there is a contract to pay that cannot be recovered from anywhere else, if you decide to abandon the journey.
WHAT IS NOT COVERED
Compensation unless you have a letter from the airline or carrier confirming the hijack and the length of the delay

Winter sports cover - Section 14
This section is only in force if shown on your policy schedule
WHAT IS COVERED
4 Loss, theft or damage of ski equipment
We will pay
a Up to £500 in total for your ski equipment (including ski equipment you are legally liable for) and ski pass that is damaged, stolen, lost or destroyed on your journey.
What is not covered
Under 4 of this section
Anything mentioned under the heading `WHAT IS NOT COVERED' within Personal possessions -section 5.

Winter sports cover - Section 14
This section is only in force if shown on your policy schedule
WHAT IS COVERED
4 Loss, theft or damage of ski equipment
We will pay
a Up to £500 in total for your ski equipment (including ski equipment you are legally liable for) and ski pass that is damaged, stolen, lost or destroyed on your journey.
What is not covered
Under 4 of this section
Anything mentioned under the heading `WHAT IS NOT COVERED' within Personal possessions -section 5.

Winter sports cover - Section 14
This section is only in force if shown on your policy schedule
WHAT IS COVERED
4 Loss, theft or damage of ski equipment
We will pay
a Up to £500 in total for your ski equipment (including ski equipment you are legally liable for) and ski pass that is damaged, stolen, lost or destroyed on your journey.
What is not covered
Under 4 of this section
Anything mentioned under the heading `WHAT IS NOT COVERED' within Personal possessions -section 5.

Winter sports cover - Section 14
This section is only in force if shown on your policy schedule
WHAT IS COVERED
2 Inability to ski
We will pay up to £30 for each full day up to £300 in total for your ski pack costs that have been paid for and that cannot be recovered from anywhere else, if you cannot ski because of an injury or illness during your journey.
What is not covered
Under 2 of this section
Anything mentioned under the heading `WHAT IS NOT COVERED' within Emergency medical and associated expenses -section 2.

Winter sports cover - Section 14
This section is only in force if shown on your policy schedule
WHAT IS COVERED
4 Loss, theft or damage of ski equipment
We will pay
a Up to £500 in total for your ski equipment (including ski equipment you are legally liable for) and ski pass that is damaged, stolen, lost or destroyed on your journey.
What is not covered
Under 4 of this section
Anything mentioned under the heading `WHAT IS NOT COVERED' within Personal possessions -section 5.

Winter sports cover - Section 14
This section is only in force if shown on your policy schedule
WHAT IS COVERED
5 Piste closure
We will pay one of the following, if it is not possible for you to ski or snowboard at the ski resort that you booked before your journey begins, because there is not enough snow and as a result ski- lifts and ski-schools that you are due to use are closed.
a Up to £30 for each full day up to £300 in total for the cost of extra transport or lift passes to let you ski or snowboard at another resort; or
b Up to £30 for each full day up to £300 in total if no other resort is available.
WHAT IS NOT COVERED
Under 5 of this section
Any compensation for the first full 12 hours at your booked ski resort.
Any journey in the UK.
Any claim unless you have a letter from the ski-lift or ski-school operators giving the reason for closing the piste and showing the number of days the piste was closed during your journey.
Compensation which you can get from your tour operator or anywhere else.
Costs if the ski-lifts or ski-schools in your pre-booked resort were closed when your policy or travel tickets for your journey were issued, if this is less than 14 days before the beginning of your journey.
Any journey beginning before 1 December or ending after 31 March.

Winter sports cover - Section 14
This section is only in force if shown on your policy schedule
WHAT IS COVERED
5 Piste closure
We will pay one of the following, if it is not possible for you to ski or snowboard at the ski resort that you booked before your journey begins, because there is not enough snow and as a result ski- lifts and ski-schools that you are due to use are closed.
a Up to £30 for each full day up to £300 in total for the cost of extra transport or lift passes to let you ski or snowboard at another resort; or
b Up to £30 for each full day up to £300 in total if no other resort is available.
WHAT IS NOT COVERED
Under 5 of this section
Any compensation for the first full 12 hours at your booked ski resort.
Any journey in the UK.
Any claim unless you have a letter from the ski-lift or ski-school operators giving the reason for closing the piste and showing the number of days the piste was closed during your journey.
Compensation which you can get from your tour operator or anywhere else.
Costs if the ski-lifts or ski-schools in your pre-booked resort were closed when your policy or travel tickets for your journey were issued, if this is less than 14 days before the beginning of your journey.
Any journey beginning before 1 December or ending after 31 March.

Winter sports cover - Section 14
This section is only in force if shown on your policy schedule
WHAT IS COVERED
5 Piste closure
We will pay one of the following, if it is not possible for you to ski or snowboard at the ski resort that you booked before your journey begins, because there is not enough snow and as a result ski- lifts and ski-schools that you are due to use are closed.
a Up to £30 for each full day up to £300 in total for the cost of extra transport or lift passes to let you ski or snowboard at another resort; or
b Up to £30 for each full day up to £300 in total if no other resort is available.
WHAT IS NOT COVERED
Under 5 of this section
Any compensation for the first full 12 hours at your booked ski resort.
Any journey in the UK.
Any claim unless you have a letter from the ski-lift or ski-school operators giving the reason for closing the piste and showing the number of days the piste was closed during your journey.
Compensation which you can get from your tour operator or anywhere else.
Costs if the ski-lifts or ski-schools in your pre-booked resort were closed when your policy or travel tickets for your journey were issued, if this is less than 14 days before the beginning of your journey.
Any journey beginning before 1 December or ending after 31 March.

Winter sports cover - Section 14
This section is only in force if shown on your policy schedule
WHAT IS COVERED
6 Avalanche or landslide closure
We will pay up to £200 for extra accommodation and transport costs you need to pay to get you to your journey destination or back home because of an avalanche or landslide.
What is not covered
Under 6 of this section
Compensation unless you get a letter from the relevant authority or your tour operator's representative confirming the event.
Compensation which you can get from the company providing accommodation, your tour operator or anywhere else.

Winter sports cover - Section 14
This section is only in force if shown on your policy schedule
WHAT IS COVERED
b Up to £15 for each full 24-hour period up to £300 in total for the hire of alternative ski equipment when yours is damaged, stolen, lost or destroyed on your journey.

Winter sports cover - Section 14
This section is only in force if shown on your policy schedule
WHAT IS COVERED
b Up to £15 for each full 24-hour period up to £300 in total for the hire of alternative ski equipment when yours is damaged, stolen, lost or destroyed on your journey.

24-hour medical emergency and repatriation service
Please tell us immediately about any serious illness or accident abroad where you have to go into hospital or you may have to return home early or extend your stay because of any illness or injury. If you are unable to do this because the condition is life, limb, sight or organ threatening,you should contact us as soon as you can. You must also tell us if you are likely to run up medical fees over £250. You can call day or night or email.
Phone +44 (0)20 8603 9371 Fax +44 (0)20 8603 0204
email international dept@mondial-assistance.co.uk
Please give us your age and your policy number. Say that you are insured with Nationwide travel insurance, which is underwritten by ELVIA Travel Insurance International N.V
You can use this service outside the UK during your journey.
Below are some of the ways our service can help.
Repatriation - If our doctor thinks it would be in your medical interests to bring you back to the UK, normally you will be transferred by regular airline or road ambulance.Where medically necessary in very serious or urgent cases, we will use an air ambulance. We will consult the treating doctor and our doctor first.If you need to go home early,the doctor must provide a certificate confirming that you are fit to travel. Without this the airline can refuse to carry any sick or injured person.
Confirmation of payment -We will contact hospitals or doctors abroad and guarantee to pay their fees,providing you have a valid claim. We will pay any expenses you have to pay for the above facilities up to the limits shown in this policy. This service will be governed by the same conditions and exclusions that appear in the policy.
You can contact us at any time day or night. You will be answered by one of our experienced assistance co-ordinators who you should give all relevant information to.Please make sure you have details of your policy before you phone.
If you claim for a minor illness or accident, you should pay the costs and reclaim the money from us.
If you need medical care in the USA
Please remember to take the Travel Insurance Important Telephone Numbers card,your policy and schedule away with you,as these will need to be shown to the medical provider.
If you do not have one of these cards,please call Nationwide travel insurance on 08456 41 97 20.

Personal possessions -Section 5
Your policy schedule will show if this section is excluded.
WHAT IS COVERED
Up to £1,500 in total for your personal possessions (this does not include ski equipment, golf equipment, wedding rings, wedding gifts or wedding attire) damaged, stolen, lost or destroyed on your journey.
The most we will pay for valuables is £500 in total
There is also a single article, pair or set limit of £300, whether jointly owned or not.
It will be our decision to pay either:
the cost of repairing your items;
to replace your belongings with equivalent items; or
the cost of replacing your items. An amount for wear, tear and loss of value will be deducted for clothing.
WHAT IS NOT COVERED
An excess of £50 for each incident claimed for under this section.
More than the part of the pair or set that is stolen,lost or destroyed.
Breakage of or damage to:
sports equipment while it is being used, fragile articles, audio, video, computer, television, fax and phone equipment.
Loss or damage due to the climate, wear and tear, loss in value, process of cleaning, moths or vermin.
The cost of replacing or repairing false teeth.
Loss or theft of, or damage to the following.
Films, tapes, cassettes, cartridges or discs, unless they were pre-recorded, in which case we will pay up to the replacement cost.
Goods which deteriorate, bottles or cartons, and any damage caused by these items or their contents.
Valuables left in a motor vehicle.
Valuables carried in suitcases, trunks or similar containers unless they are with you all the time.
Valuables unless they are with you or locked in a safe or safety deposit box (if one is available) or locked in the accommodation you are using on your journey.
Contact or corneal lenses, unless following fire or theft.
Bonds, share certificates, guarantees or documents of any kind.
Personal possessions unless they are with you,locked in the accommodation you are using on your journey or they are out of sight in the locked boot or covered luggage area of a locked motor vehicle (no cover for valuables).
Personal money.

Delayed personal possessions -Section 4
WHAT IS COVERED
Up to £250 in total for essential replacement items, if your personal possessions (this does not include valuables, ski equipment, golf equipment, wedding rings, wedding gifts or wedding attire) are temporarily lost or stolen on your outward journey for more than 12 hours from when you arrived at your destination.
You must send us the receipts for anything that you buy. We will take any amount we pay from the final claim settlement if the items are permanently lost, when your policy schedule shows you have Personal possessions and Personal money cover.

Cancellation or curtailment charges - Section 1
If you think you may have to cut your journey short (curtail), we must be told immediately -see under the heading `24-hour medical emergency and repatriation service'on page 7 for more information.
WHAT IS COVERED
We will pay up to £5,000 in total and up to £1,000 in total for excursions, for your part of unused personal accommodation, transport charges and other travel expenses which have been paid or where there is a contract to pay that cannot be recovered from anywhere else.
We will provide this cover in the following necessary and unavoidable circumstances.
1 Cancellation
If you cancel your journey before it begins because one of the following happens after the date your policy or travel tickets for your journey were bought.
a The death, serious injury or serious illness of you, a relative, a travelling companion, a business
associate or a friend or relative you were going to stay with.
b You or a travelling companion is called for jury service in the UK or as a witness in a court in the UK.
c You, a relative or a travelling companion is needed by the police following a burglary, or damage caused by serious fire, storm, flood, explosion, subsidence, vandalism, fallen trees, impact by aircraft or vehicle at your home or their home or usual place of business in the UK.
d You, a relative or a travelling companion being advised not to travel by a doctor as a result
of pregnancy.
e You, a relative or a travelling companion being legally quarantined to the UK as a result of contracting or fear of contracting a contagious disease.
f Your redundancy. Where you decide to continue with your journey despite your redundancy, we will pay the insured redundant person £20 for each day of the journey up to £300 in total.
2 Curtailment
You cut your journey short (curtail) after it has begun because of one of the following.
a Anything mentioned in la, lb, lc or ld of this section.
b You are injured or ill and are in hospital for the rest of your journey.
Note:
We will calculate curtailment claims from the date it is necessary for you to return to the UK or the date you are hospitalised as an in-patient, for the rest of your journey.
We will pay unused personal accommodation and other travel expenses based on each 24-hour period you have lost. If you need to be repatriated, we will not refund the cost of your unused return travel tickets. We will put the value of these tickets towards the extra transport costs we have to pay.
3 Replacement business associate
We will also pay up to £5,000 for reasonable extra transport and accommodation costs for a business associate to take your place, if you are on a business trip and have to cut your journey
short (curtail) after it has begun because of anything mentioned in la, lb, lc or 1d of this section.
WHAT IS NOT COVERED
Under 1, 2 and 3 of this section An excess of £50 (Nil for deposit only claims)for each incident
claimed for under this section. Any condition stated under the medical warranty on pages 5-6.
More than the minimum market value of equivalent travel tickets, if your travel tickets have been
paid for using an airline mileage reward scheme. Anything caused by:
you not having the correct passport or visa;
any restriction caused by the law of any country or people enforcing these laws;
bankruptcy or liquidation of the company providing your transport or accommodation, their agents or any person acting for you;
anything the company providing your transport or accommodation, their agents, any person acting for you or your conference organiser is responsible for;
your vehicle being stolen or breaking down;
you not wanting to travel or not enjoying your journey;
riot, civil commotion, strike or lock-out;
you travelling in an aircraft (except as a passenger in a fully-licensed, passenger-carrying aircraft);
your suicide, self-injury or deliberately putting yourself at risk (unless you were trying to save another
person's life);
you being under the influence of drugs (except those prescribed by a doctor but not for the treatment of drug addiction);
the direct or indirect effect of you using alcohol or solvents;
the death of any pet or animal.
Under 1 of this section
Any extra cancellation charges, because you did not tell the company providing your transport
or accommodation, their agents or any person acting for you, as soon as you knew you had to cancel.
Claims relating to pregnancy or childbirth, where the due date is:
less than 16 weeks before the end of a journey outside of Europe; or
less than 8 weeks before the end of a journey within Europe.
(unless this was confirmed after the date your policy or travel tickets for your journey were bought and is medically necessary).
Financial circumstances or unemployment, except caused by redundancy which you find out about after the date your policy or travel tickets for your journey were bought.
Under 2 and 3 of this section
Cutting short your journey unless we have agreed.
Claims relating to pregnancy or childbirth, where the due date is:
-less than 16 weeks before the end of a journey outside of Europe; or
-less than 8 weeks before the end of a journey within Europe.
Any costs when you do not get a medical certificate (from the doctor who treated you in the place where you were staying) which says it was necessary for you to come home because of death, injury or illness. Our doctor must have agreed with the reason and that you were fit to travel.
The cost of your original pre-booked tickets if you have not used them and we have paid extra
transport costs.
You travelling on a motorcycle, unless the rider holds an appropriate valid licence and all insured persons are wearing crash helmets.
Anything caused by you taking part in a hazardous activity unless shown on your policy schedule.

Missed departure - Section 8
What is covered
We will pay you up to £750 in total for the cost of extra accommodation and transport which you have to pay to get to your journey destination or back home because you do not get to the departure point (including official coach pick up point for a journey within the UK)by the ti me shown in your travel itinerary (plans) because:
- public transport (including scheduled flights)does not run to its timetabl