Norwich Union Annual Multi Trip

60 days

Medical warranty
1 At the time of buying or renewing Your policy or when booking a Trip (whichever is later), each Insured Person must guarantee the following:
a) You have told Us if You have received advice, medication or treatment for any serious, chronic or recurring illness, injury or disease in the last 12 months
b) You have told Us if You are under investigation or awaiting results for any diagnosed or undiagnosed medical condition
c) You have told Us if You are on a waiting list for, or are aware of the need for, in-patient treatment for any diagnosed or undiagnosed medical condition
d) You are not travelling against Your UK Doctors advice
e) You have told Us if any Close Relative, Close Business Associate, Travelling Companion or person You plan to stay with (and upon whose good health Your Trip depends) has a serious, chronic or recurring illness, injury or disease which could have an affect on Your decision to take or continue Your Trip
f) You have told Us if You have a terminal illness.
2 If, between booking a Trip and the departure date or the renewal date (whichever is sooner) You receive medical advice for a potentially serious illness or injury Your policy will cover You for cancellation of Your Trip.
However if You still wish to travel We will advise You if You will be covered for Emergency medical and associated expenses, Hospital benefit or Abandonment claims relating to this condition.
3 If, between booking a Trip and the departure date or the renewal date (whichever is sooner) anyone upon whose good health Your Trip depends, such as a Close Relative or Your Travelling Companion, receives medical advice for a potentially serious illness or injury Your policy will cover You for cancellation of Your Trip. However if You still wish to travel We will advise You if You will be covered for Abandonment claims relating to this condition.
General warranty
At the time of buying or renewing Your policy or when booking a Trip (whichever is later), each Insured Person must guarantee that they have told Us of any non-medical reason why the proposed Trip could be cancelled or Abandoned.
If You cannot guarantee the above You must contact Your insurance adviser.

Section B - Emergency medical and associated expenses
1 If You are injured, fall ill, are quarantined or die during Your Trip, We will pay for the following:
a) emergency medical treatment outside the UK (including rescue services to take You to hospital)
b) up to £350 for emergency pain relief dental treatment outside the UK
c) any reasonable extra charges for half board accommodation (of a similar standard to the accommodation You had booked for Your Trip) if You have to stay after the date You were going to return to Your Home. We will also pay travel costs, which You have to pay to get back to Your Home if You cannot use Your return ticket.
d) up to £5,000 for the cost of burying or cremating You in the country outside the UK where You die
e) up to £7,500 for the cost of returning Your body or ashes to Your Home.
2 We will pay the cost of getting You Home if it is medically necessary because You are seriously injured or fall seriously ill during Your Trip and You cannot use Your return ticket.
Under items 1c and 2 above, We will also pay the reasonable travel and accommodation costs of one relative or friend who has to travel or stay with You if Your treating Doctor and Our Medical Emergency Assistance provider think that it is necessary.
Special conditions
1 You must phone the Medical Emergency helpline on (+44) 1738 635 566 immediately if You need to go into hospital as an in-patient or if You need to return to the UK.
2 If You are injured or fall ill during Your Trip, Our Medical Emergency Assistance provider may:
- move You from one hospital to another and /or
- arrange for You to return to the UK at any time.
They will only do this if they and the treating Doctor think that it is safe for You to be moved or returned to the UK.
If You choose not to move hospital or return to the UK Our liability will end on the date it was deemed safe for You to do so.
The most We will pay
Within the UK: £2,000 for each Insured Person under items 1c, 1e and 2 above.
Elsewhere: Up to £5,000,000 for each Insured Person.
Excess
We will not pay the first £50 of each Insured Persons claim.
What is not covered
See exclusions listed after Section C.
What is not covered under sections B and C
1 Any claim for a medical condition if any Insured Person has travelled against the advice of a Doctor or would be travelling against the advice of a Doctor if they had taken such advice.
2 Any claim for a medical condition if any of the following applied when You took out Your policy or booked Your Trip (whichever is later).
You:
a) had received advice, medication or treatment for any serious, chronic or recurring illness, injury or disease in the last 12 months unless the condition was disclosed to and accepted by Us
b) were under investigation or awaiting results for any diagnosed or undiagnosed condition unless disclosed to and accepted by Us
c) were on a waiting list for in-patient treatment or were aware of the need for in-patient treatment for any diagnosed or undiagnosed condition unless disclosed to and accepted by Us
d) had been told You have a terminal illness.
3 Any claim for a medical condition where You have received medical advice for a potentially serious illness or injury between booking Your Trip and the departure date unless disclosed to and accepted by Us.
4 Any claim for a medical condition You were planning to get medical treatment for during Your Trip.
5 Any claim for:
a) the cost of in-patient hospital treatment or going Home early that Our Medical Emergency Assistance provider has not agreed beforehand
b) the cost of any non-emergency treatment or surgery including exploratory tests which are not directly related to the illness or injury that You originally went to hospital for
c) any form of treatment that Your treating Doctor and Our Medical Emergency Assistance provider think can reasonably wait until You get back to the UK
d) cosmetic surgery
e) medication, which at the time Your Trip started, You knew that You would need while You were away
f) any extra costs because You have requested a single or private room
g) treatment or services provided by a health spa, convalescent or nursing home or any rehabilitation centre
h) any treatment after You have returned to the UK.
6 Costs incurred following Your decision not to move hospital or return to the UK after the date when, in the opinion of Our Medical Emergency Assistance provider it was safe for You to do so.
7 Any claim resulting from a tropical disease where You have not had the recommended inoculations and/or taken the recommended medication.
8 Any claim that results from:
a) any anxiety state, depression, mental or nervous disorder which had been diagnosed when You took out Your policy or booked Your Trip (whichever is later)
b) pregnancy or childbirth where the expected date of delivery is less than 12 weeks (16 weeks in the case of a multiple pregnancy) before Your planned return date
c) You flying (except while travelling in an aircraft as a passenger) or taking part in other aerial activities unless You have cover under the leisure, winter sports or hazardous activities sections
d) You motorcycling:
as a rider or passenger on a machine over 125cc; or
as a rider or passenger on a machine 125cc or under unless You wear a crash helmet and, as a rider, You hold a full UK motorcycle licence
e) Your involvement in manual work of any kind
f) You taking part in any winter sports activity listed on page 15 unless winter sports cover is shown on Your policy schedule
g) You taking part in any hazardous activity listed on pages 38 and 39 unless the appropriate level of cover is shown on Your policy schedule
h) You taking part in a leisure activity, winter sports activity or hazardous activity not listed as covered in the policy booklet
i) You taking part in any organised team or contact sport not listed as covered in the policy booklet; any activity either as a professional or where You receive any financial reward or gain; or competing in or practising for speed or time trials, sprints or racing of any kind other than on foot or for yacht/dinghy racing, biathlons and triathlons
j) You taking part in expeditions or being a crewmember on a vessel travelling from one country to another.
9 Anything mentioned in the General exclusions on page 40.

Section E - Personal accident
If You suffer an accidental bodily injury during Your trip and the injury is caused by external, violent and visible means We will pay You or Your legal representative:
a) £30,000 if Your injury solely and independently of any other cause leads to Your death (this benefit is reduced to £1,000 for Insured Persons aged under 16 years)
b) £30,000 if Your injury leads solely and independently of any other cause leads to Loss Of One Or More Limbs and/or the Total Loss Of Sight in one or both eyes or
c) £30,000 if Your injury solely and independently of any other cause leads to Your Permanent Total Disablement after 104 weeks (except where compensation is paid under b) above)
NB The benefit payable under b) and c) above is reduced to £15,000 if You are over 70 years of age at the time of the accident
Special conditions
1 The death or disability must happen within one year of the accident.
2 You can only claim for one item under this section.
The most We will pay
The maximum amount We will pay for each Insured Person is £30,000.
The Permanent Total Disablement benefit is reduced to £15,000 for Insured Persons aged over 70 years.
The death benefit is reduced to £1,000 for Insured Persons aged under 16 years.
The benefit will be paid to You or Your legal representative.
What is not covered
1 Any claim for sickness, disease, nervous shock or naturally occurring condition or degenerative process.
2 Any claim that results from:
a) You flying (except while travelling in an aircraft as a passenger) or taking part in other aerial activities unless You have cover under the leisure, winter sports or hazardous activities sections
b) You motorcycling:
as a rider or passenger on a machine over 125cc; or
as a rider or passenger on a machine 125cc or under unless You wear a crash helmet and, as a rider, You hold a full UK motorcycle licence
c) Your involvement in manual work of any kind
d) You taking part in any winter sports activity listed on page 15 unless winter sports cover is shown on Your policy schedule
e) You taking part in any hazardous activity listed on pages 38 and 39 unless the appropriate level of cover is shown on Your policy schedule
f) You taking part in a leisure activity, winter sports activity or hazardous activity not listed as covered in the policy booklet
g) You taking part in any organised team or contact sport not listed as covered in the policy booklet; any activity either as a professional or where You receive any financial reward or gain; or competing in or practising for speed or time trials, sprints or racing of any kind other than on foot or for yacht/dinghy racing, biathlons and triathlons
h) You taking part in expeditions or being a crew member on a vessel travelling from one country to another.
3 Anything mentioned in the General exclusions on page 40.

Section C - Hospital Benefit
If You are claiming for medical expenses that are covered under section B, We will also pay You £25 for every 24 hours You are being treated as an in-patient in a hospital outside the UK towards incidental expenses You have to pay, such as telephone calls.
The most We will pay
The most We will pay for each Insured Person is £1,000.
What is not covered under sections B and C
1 Any claim for a medical condition if any Insured Person has travelled against the advice of a Doctor or would be travelling against the advice of a Doctor if they had taken such advice.
2 Any claim for a medical condition if any of the following applied when You took out Your policy or booked Your Trip (whichever is later).
You:
a) had received advice, medication or treatment for any serious, chronic or recurring illness, injury or disease in the last 12 months unless the condition was disclosed to and accepted by Us
b) were under investigation or awaiting results for any diagnosed or undiagnosed condition unless disclosed to and accepted by Us
c) were on a waiting list for in-patient treatment or were aware of the need for in-patient treatment for any diagnosed or undiagnosed condition unless disclosed to and accepted by Us
d) had been told You have a terminal illness.
3 Any claim for a medical condition where You have received medical advice for a potentially serious illness or injury between booking Your Trip and the departure date unless disclosed to and accepted by Us.
4 Any claim for a medical condition You were planning to get medical treatment for during Your Trip.
5 Any claim for:
a) the cost of in-patient hospital treatment or going Home early that Our Medical Emergency Assistance provider has not agreed beforehand
b) the cost of any non-emergency treatment or surgery including exploratory tests which are not directly related to the illness or injury that You originally went to hospital for
c) any form of treatment that Your treating Doctor and Our Medical Emergency Assistance provider think can reasonably wait until You get back to the UK
d) cosmetic surgery
e) medication, which at the time Your Trip started, You knew that You would need while You were away
f) any extra costs because You have requested a single or private room
g) treatment or services provided by a health spa, convalescent or nursing home or any rehabilitation centre
h) any treatment after You have returned to the UK.
6 Costs incurred following Your decision not to move hospital or return to the UK after the date when, in the opinion of Our Medical Emergency Assistance provider it was safe for You to do so.
7 Any claim resulting from a tropical disease where You have not had the recommended inoculations and/or taken the recommended medication.
8 Any claim that results from:
a) any anxiety state, depression, mental or nervous disorder which had been diagnosed when You took out Your policy or booked Your Trip (whichever is later)
b) pregnancy or childbirth where the expected date of delivery is less than 12 weeks (16 weeks in the case of a multiple pregnancy) before Your planned return date
c) You flying (except while travelling in an aircraft as a passenger) or taking part in other aerial activities unless You have cover under the leisure, winter sports or hazardous activities sections
d) You motorcycling:
as a rider or passenger on a machine over 125cc; or
as a rider or passenger on a machine 125cc or under unless You wear a crash helmet and, as a rider, You hold a full UK motorcycle licence
e) Your involvement in manual work of any kind
f) You taking part in any winter sports activity listed on page 15 unless winter sports cover is shown on Your policy schedule
g) You taking part in any hazardous activity listed on pages 38 and 39 unless the appropriate level of cover is shown on Your policy schedule
h) You taking part in a leisure activity, winter sports activity or hazardous activity not listed as covered in the policy booklet
i) You taking part in any organised team or contact sport not listed as covered in the policy booklet; any activity either as a professional or where You receive any financial reward or gain; or competing in or practising for speed or time trials, sprints or racing of any kind other than on foot or for yacht/dinghy racing, biathlons and triathlons
j) You taking part in expeditions or being a crewmember on a vessel travelling from one country to another.
9 Anything mentioned in the General exclusions on page 40.

Section B - Emergency medical and associated expenses
1 If You are injured, fall ill, are quarantined or die during Your Trip, We will pay for the following:
b) up to £350 for emergency pain relief dental treatment outside the UK

Section B - Emergency medical and associated expenses
1 If You are injured, fall ill, are quarantined or die during Your Trip, We will pay for the following:
d) up to £5,000 for the cost of burying or cremating You in the country outside the UK where You die
e) up to £7,500 for the cost of returning Your body or ashes to Your Home.

Section B - Emergency medical and associated expenses
1 If You are injured, fall ill, are quarantined or die during Your Trip, We will pay for the following:
d) up to £5,000 for the cost of burying or cremating You in the country outside the UK where You die
e) up to £7,500 for the cost of returning Your body or ashes to Your Home.

Section M - Personal Money
We will cover You for loss or theft of Your Personal Money during Your Trip.
Contact Us on (+44) 1738 635 566 and We will advise You how to replace lost or stolen Personal Money.
Special conditions
1 You must always take reasonable care to keep Your Personal Money safe. If Your Personal Money is lost or stolen You must take all reasonable steps to get it back.
2 You must be able to prove that You own the lost or stolen Personal Money and how much it is worth. If You do not, it may affect Your claim.
The most We will pay
The most We will pay for each Insured Person is £500, but no more than £300 for cash or bank notes.
A reduced limit of £100 for cash or banknotes applies to Insured Persons aged under 16 years.
Excess
We will not pay the first £50 of each Insured Persons claim.
What is not covered
1 Any loss or theft of Personal Money which You do not report to the police within 24 hours of discovery and get a written police report.
2 Any Personal Money which is delayed, detained or confiscated by customs or other officials.
3 Bonds, securities or documents of any kind.
4 Loss or theft of Personal Money not carried in Your hand baggage while You are travelling.
5 Loss or theft of Personal Money while it is Unattended.
6 Shortages due to a mistake, or loss due to a change in exchange rates.
7 Anything mentioned in the General exclusions on page 40.

Section I - Legal expenses and advice
This section is managed by Capita Insurance Services Limited and underwritten (insured) by Brit Insurance Limited referred to in this section as the Insurer.
Important
You must tell Us about a claim as soon as possible and within 30 days of the event giving rise to a claim. You must do this by telephoning the legal expenses helpline on 01603 208 672 , quoting reference number BW/1/33 (Annual Multi-trip) or BW/1/32 (Single Trip). Delay may prejudice Your legal position. We may choose Your solicitor and reserve the right to require Your solicitor to act for You under a Conditional Fee Agreement.
Definitions
These words or phrases below have the following meanings wherever they appear in this section:
Insurer
Brit Insurance Limited, authorised and regulated by the Financial Services Authority.
Professional Adviser
The firm of solicitors appointed to act for You under this section.
Costs
Up to £25,000 being:
a) reasonable unrecovered legal fees and disbursements which You are liable to pay to Your Professional Adviser; and
b) reasonable legal fees and disbursements You are ordered to pay or have agreed to pay (with Our permission in writing).
Conditional Fee Agreement
A valid agreement made between You and Your Professional Adviser with Our prior written consent where the Professional Advisers fees and payments or any part of them are payable by You only if Your claim succeeds.
Legal Action
Steps You need to take to protect Your legal rights through a court.
Prospects Of Success
In Our reasonable opinion:
a) it is more probable than not that Your claim will succeed assuming it is determined at a final hearing and You will be able to obtain the compensation or result You are seeking; and
b) Your interests cannot be better achieved by other means.
What is covered
1 Death / Personal Injury The Insurer will pay Your costs of bringing Legal Action to pursue a civil claim resulting from an incident for which You are not at fault which causes Your death or personal injury during Your Trip.
2 Legal Advice For advice on any legal problem which may lead to a claim, phone 01603 208 672 and quote reference number BW/1/33 (Annual Multi-trip) or
BW/1/32 (Single Trip).
Special conditions
1 Acceptance of Your claim:
The Insurer will pay Costs incurred after We accept Your claim in writing and Your Professional Adviser confirms in writing that they will co-operate with You to keep to the terms of this policy. The Insurer will only meet the Costs of Your claim which have been agreed in advance by Us as to both amount and purpose and as long as there are Prospects Of Success.
If at any stage We consider that Your claim does not have Prospects Of Success, We will give You an explanation of Our decision in writing. The Insurer will not provide any further cover for Your claim. If You disagree with Our decision, You can refer the matter to an arbitrator under special condition 6.
2 Conduct of Your claim:
You must immediately tell Your Professional Adviser to provide any information relating to Your claim that We may ask for and keep Us fully updated on the progress of Your claim.
You will co-operate with Us and Your Professional Adviser at all times.
3 Settlement:
You or Your Professional Adviser must immediately write to tell Us of any offer made to settle Your claim including offers relating to costs. You must not accept any offers without getting Our permission first.
We will not withhold Our consent in relation to an offer that a reasonable solicitor would recommend to a private client who is paying his or her own fees.
If You do not accept an offer We consider to be reasonable, the Insurer will not pay any further Costs.
4 Withdrawing and discontinuing:
If You withdraw from or discontinue Your claim or Your instructions to Your Professional Adviser without getting Our permission in writing first then the Insurer will not pay Costs and will be entitled to recover from You any fees and payments made or charged before the withdrawal or discontinuance.
5 Assessment and recovery of Costs:
You must, if We ask You, tell Your Professional Adviser to send all of their files and any bill of Costs for assessment by a court or certification by the appropriate professional body or auditing by cost consultants appointed by Us.
You must take reasonable steps to recover Costs awarded or agreed to be paid to You and immediately pay Us any Costs recovered, or tell Your Professional Adviser to do so.
If You pay or agree to pay Costs above the limit of cover in order to end Your case, any Costs awarded or agreed to be paid to You will be divided proportionally between the Insurer and You.
6 Disputes:
Either You or We may refer any dispute to an arbitrator who will be a solicitor or barrister. If we cannot agree on an arbitrator the Chartered Institute of Arbitrators will choose one. The arbitration will be under the Arbitration Acts in force and will be binding on the parties. If the arbitrator decides that You should pay the costs of the arbitration, the Insurer will not pay these under this policy.
7 Waiver:
If We or the Insurer waive(s) any right or breach of any term of this policy, this will not waive any other right or later breach.
8 Agreement:
The Insurer is not bound by any agreement that You or Your Professional Adviser make without Our prior approval or permission.
The most the Insurer will pay
The most the Insurer will pay for each Insured Person is £25,000.
Excess
The Insurer will not pay the first £100 of each Insured Persons claim.
What is not covered
The Insurer will not pay for:
a) the Excess, or any compensation, penalty or taxes
b) excluded claims
1 Any claim:
a) where You were driving a motor vehicle without a valid licence and/or insurance
b) more specifically insured or any amount that You cannot recover from a more specific insurance because the insurer of that insurance refuses the claim
c) where We reasonably think that You will not be able to get damages in the country in question.
2 Any claim concerning or arising from:
a) stress, emotional or psychological injury
b) illness, personal injury or death which is caused gradually or is not caused by a single act or omission
c) an alleged provocation or malicious act by You
d) any application for judicial review
e) anything mentioned in General exclusions on page 40.
c) excluded Costs
Costs:
1 Where You pay or agree to pay before We have accepted Your claim in writing and Your solicitor confirms in writing that he or she will co-operate with You to keep to the terms of this legal expenses cover.
2 For more than We have agreed.
3 Associated with an appeal unless:
a) the appeal relates to an event that the Insurer has already covered under this section; and
b) You tell Us in writing that You want to appeal at least six working days before You are required to give notice of appeal; and
c) We consider that the appeal has Prospects Of Success.
For claims against the person or company who sold You this policy, the Insurer, Us, Norwich Union Insurance or the Aviva group of companies.
5 Where You have entered into a Conditional Fee Agreement or any other form of alternative funding without obtaining Our permission in writing first.
6 Arising from Your or Your Professional Advisers unreasonable behaviour or failing.
7 Where You do not meet Your duties under this policy or You or Your Professional Adviser are responsible for anything which in Our reasonable opinion prejudices the Insurers position.

Section L - Loss of passport
We will cover You for loss or theft of Your passport while You are abroad. We will pay reasonable extra travel, accommodation and communication expenses You have to pay to get a temporary passport and the cost of the temporary replacement passport.
Contact Us on (+44) 1738 635 566 and We will advise You how to replace lost or stolen passports.
Special condition
You must always take reasonable care to keep Your passport safe. If Your passport is lost or stolen You must take all reasonable steps to get it back.
The most We will pay
The most We will pay for each Insured Person is £350.
What is not covered
1 Any loss or theft of Your passport if You do not report it to the police within 24 hours of discovery and get a written police report.
2 Any loss or theft of Your passport while it is Unattended.
3 Anything mentioned in the General exclusions on page 40.

Section J - Hijack and mugging
We will pay £50 for each full 24 hour period if:
1 You cannot reach Your destination or You cannot reach the UK on the return leg of Your Trip as a result of the transport on which You are travelling being hijacked; or
2 You are in hospital receiving in-patient treatment required following a mugging.
The most We will pay
The most We will pay for each Insured Person is £1,000.
What is not covered
We will not pay any claim:
1 Unless You provide written confirmation of the delay from the airline or carrier.
2 If You do not report the mugging to the police within 24 hours and get a written police report.
3 For anything mentioned in the General exclusions on page 40.

Section J - Hijack and mugging
We will pay £50 for each full 24 hour period if:
1 You cannot reach Your destination or You cannot reach the UK on the return leg of Your Trip as a result of the transport on which You are travelling being hijacked; or
2 You are in hospital receiving in-patient treatment required following a mugging.
The most We will pay
The most We will pay for each Insured Person is £1,000.
What is not covered
We will not pay any claim:
1 Unless You provide written confirmation of the delay from the airline or carrier.
2 If You do not report the mugging to the police within 24 hours and get a written police report.
3 For anything mentioned in the General exclusions on page 40.

Section P - Winter sports equipment
Winter sports cover only applies if shown on Your policy schedule. If selected, cover under Sections P to T will apply for the duration shown on Your policy schedule.
1 If Your Winter Sports Equipment is lost, stolen or damaged by accident during Your Trip, We will pay for their replacement or repair, whichever is lower, after making an allowance for wear and tear and loss of value using the scale below:
Up to one year old, 90% of the purchase price
Up to two years old, 70% of the purchase price
Up to three years old, 50% of the purchase price
Up to four years old, 30% of the purchase price
Over four years old, 20% of the purchase price.
The most We will pay is £500 for each Insured Person.
2 If You hire Winter Sports Equipment and it is lost, stolen or damaged by accident during Your Trip, We will pay for its replacement or repair.
The most We will pay is £400 for each Insured Person.
3 If We pay under items 1 or 2 above, We will also pay to hire replacement Winter Sports Equipment for the rest of Your Trip.
The most We will pay under item 3 is £200 for each Insured Person.
4 We will pay up to £200 to replace Your lift pass if it is lost or stolen during Your Trip.
Special conditions
1 You must take reasonable care to keep the Winter Sports Equipment safe. If the Winter Sports Equipment is lost or stolen, You must take all reasonable steps to get it back.
2 If the Winter Sports Equipment is lost or damaged by an authority, a transport company or hotel, You must report the details of the loss or damage to them in writing and get written confirmation.
3 If the Winter Sports Equipment is lost or damaged by an airline, You must:
a) get a property report
b) give written notice of the claim to the . airline within the time limit in their conditions of carriage (You should also keep a copy)c) keep all travel tickets and tags if You claim under this policy.
4 You must be able to prove that You were responsible for the lost, stolen or damaged items and the purchase price. If You do not do this, it may affect Your claim.
Excess
We will not pay the first £50 of each Insured Persons claim.
What is not covered
1 Deliberate or malicious damage to Winter Sports Equipment caused by an Insured Person.
2 Loss or damage to Winter Sports Equipment caused by an Insured Persons carelessness or neglect.
3 Wear and tear, loss of value and damage caused by moths or vermin, or any process of cleaning, repairing or restoring.
4 Losses from motor vehicles.
5 Any loss or theft which You do not report to the police within 24 hours of discovery and get a written report for (where it is not possible to obtain a police report You must provide other independent proof of loss such as a letter from Your transport company or resort management).
6 Winter Sports Equipment that is damaged while it is being used.
7 Anything mentioned in the General exclusions on page 40.

Section P - Winter sports equipment
Winter sports cover only applies if shown on Your policy schedule. If selected, cover under Sections P to T will apply for the duration shown on Your policy schedule.
1 If Your Winter Sports Equipment is lost, stolen or damaged by accident during Your Trip, We will pay for their replacement or repair, whichever is lower, after making an allowance for wear and tear and loss of value using the scale below:
Up to one year old, 90% of the purchase price
Up to two years old, 70% of the purchase price
Up to three years old, 50% of the purchase price
Up to four years old, 30% of the purchase price
Over four years old, 20% of the purchase price.
The most We will pay is £500 for each Insured Person.
2 If You hire Winter Sports Equipment and it is lost, stolen or damaged by accident during Your Trip, We will pay for its replacement or repair.
The most We will pay is £400 for each Insured Person.
3 If We pay under items 1 or 2 above, We will also pay to hire replacement Winter Sports Equipment for the rest of Your Trip.
The most We will pay under item 3 is £200 for each Insured Person.
4 We will pay up to £200 to replace Your lift pass if it is lost or stolen during Your Trip.
Special conditions
1 You must take reasonable care to keep the Winter Sports Equipment safe. If the Winter Sports Equipment is lost or stolen, You must take all reasonable steps to get it back.
2 If the Winter Sports Equipment is lost or damaged by an authority, a transport company or hotel, You must report the details of the loss or damage to them in writing and get written confirmation.
3 If the Winter Sports Equipment is lost or damaged by an airline, You must:
a) get a property report
b) give written notice of the claim to the . airline within the time limit in their conditions of carriage (You should also keep a copy)c) keep all travel tickets and tags if You claim under this policy.
4 You must be able to prove that You were responsible for the lost, stolen or damaged items and the purchase price. If You do not do this, it may affect Your claim.
Excess
We will not pay the first £50 of each Insured Persons claim.
What is not covered
1 Deliberate or malicious damage to Winter Sports Equipment caused by an Insured Person.
2 Loss or damage to Winter Sports Equipment caused by an Insured Persons carelessness or neglect.
3 Wear and tear, loss of value and damage caused by moths or vermin, or any process of cleaning, repairing or restoring.
4 Losses from motor vehicles.
5 Any loss or theft which You do not report to the police within 24 hours of discovery and get a written report for (where it is not possible to obtain a police report You must provide other independent proof of loss such as a letter from Your transport company or resort management).
6 Winter Sports Equipment that is damaged while it is being used.
7 Anything mentioned in the General exclusions on page 40.

Section P - Winter sports equipment
Winter sports cover only applies if shown on Your policy schedule. If selected, cover under Sections P to T will apply for the duration shown on Your policy schedule.
1 If Your Winter Sports Equipment is lost, stolen or damaged by accident during Your Trip, We will pay for their replacement or repair, whichever is lower, after making an allowance for wear and tear and loss of value using the scale below:
Up to one year old, 90% of the purchase price
Up to two years old, 70% of the purchase price
Up to three years old, 50% of the purchase price
Up to four years old, 30% of the purchase price
Over four years old, 20% of the purchase price.
The most We will pay is £500 for each Insured Person.
2 If You hire Winter Sports Equipment and it is lost, stolen or damaged by accident during Your Trip, We will pay for its replacement or repair.
The most We will pay is £400 for each Insured Person.
3 If We pay under items 1 or 2 above, We will also pay to hire replacement Winter Sports Equipment for the rest of Your Trip.
The most We will pay under item 3 is £200 for each Insured Person.
4 We will pay up to £200 to replace Your lift pass if it is lost or stolen during Your Trip.
Special conditions
1 You must take reasonable care to keep the Winter Sports Equipment safe. If the Winter Sports Equipment is lost or stolen, You must take all reasonable steps to get it back.
2 If the Winter Sports Equipment is lost or damaged by an authority, a transport company or hotel, You must report the details of the loss or damage to them in writing and get written confirmation.
3 If the Winter Sports Equipment is lost or damaged by an airline, You must:
a) get a property report
b) give written notice of the claim to the . airline within the time limit in their conditions of carriage (You should also keep a copy)c) keep all travel tickets and tags if You claim under this policy.
4 You must be able to prove that You were responsible for the lost, stolen or damaged items and the purchase price. If You do not do this, it may affect Your claim.
Excess
We will not pay the first £50 of each Insured Persons claim.
What is not covered
1 Deliberate or malicious damage to Winter Sports Equipment caused by an Insured Person.
2 Loss or damage to Winter Sports Equipment caused by an Insured Persons carelessness or neglect.
3 Wear and tear, loss of value and damage caused by moths or vermin, or any process of cleaning, repairing or restoring.
4 Losses from motor vehicles.
5 Any loss or theft which You do not report to the police within 24 hours of discovery and get a written report for (where it is not possible to obtain a police report You must provide other independent proof of loss such as a letter from Your transport company or resort management).
6 Winter Sports Equipment that is damaged while it is being used.
7 Anything mentioned in the General exclusions on page 40.

Section S - Ski pack
If, due to illness or injury, You are medically certified as being unable to ski or board We will pay the proportionate cost of Your non-refundable ski pack.
The ski pack includes lessons from a ski school, ski hire and the cost of any lift pass.
The most We will pay
The most We will pay for each Insured Person is £300.
What is not covered
See exclusions listed after Section T.

Section P - Winter sports equipment
Winter sports cover only applies if shown on Your policy schedule. If selected, cover under Sections P to T will apply for the duration shown on Your policy schedule.
1 If Your Winter Sports Equipment is lost, stolen or damaged by accident during Your Trip, We will pay for their replacement or repair, whichever is lower, after making an allowance for wear and tear and loss of value using the scale below:
Up to one year old, 90% of the purchase price
Up to two years old, 70% of the purchase price
Up to three years old, 50% of the purchase price
Up to four years old, 30% of the purchase price
Over four years old, 20% of the purchase price.
The most We will pay is £500 for each Insured Person.
2 If You hire Winter Sports Equipment and it is lost, stolen or damaged by accident during Your Trip, We will pay for its replacement or repair.
The most We will pay is £400 for each Insured Person.
3 If We pay under items 1 or 2 above, We will also pay to hire replacement Winter Sports Equipment for the rest of Your Trip.
The most We will pay under item 3 is £200 for each Insured Person.
4 We will pay up to £200 to replace Your lift pass if it is lost or stolen during Your Trip.
Special conditions
1 You must take reasonable care to keep the Winter Sports Equipment safe. If the Winter Sports Equipment is lost or stolen, You must take all reasonable steps to get it back.
2 If the Winter Sports Equipment is lost or damaged by an authority, a transport company or hotel, You must report the details of the loss or damage to them in
writing and get written confirmation.
3 If the Winter Sports Equipment is lost or damaged by an airline, You must:
a) get a property report
b) give written notice of the claim to the . airline within the time limit in their conditions of carriage (You should also keep a copy)c) keep all travel tickets and tags if You claim under this policy.
4 You must be able to prove that You were responsible for the lost, stolen or damaged items and the purchase price. If You do not do this, it may affect Your claim.
Excess
We will not pay the first £50 of each Insured Persons claim.
What is not covered
1 Deliberate or malicious damage to Winter Sports Equipment caused by an Insured Person.
2 Loss or damage to Winter Sports Equipment caused by an Insured Persons carelessness or neglect.
3 Wear and tear, loss of value and damage caused by moths or vermin, or any process of cleaning, repairing or restoring.
4 Losses from motor vehicles.
5 Any loss or theft which You do not report to the police within 24 hours of discovery and get a written report for (where it is not possible to obtain a police report You must provide other independent proof of loss such as a letter from Your transport company or resort management).
6 Winter Sports Equipment that is damaged while it is being used.
7 Anything mentioned in the General exclusions on page 40.

Section R - Piste closure
(This section does not apply to cross-country skiing.)
If all pistes at the resort You have booked are closed because of lack of snow, excessive snow or high winds We will pay up to £20 a day to transport You to another site. If there are no other sites nearby, We will pay You £30 compensation each day.
The most We will pay
The most We will pay for each Insured Person is £300.
Special conditions
1 This section does not apply in the UK, and within Europe the cover only applies during the period 15 December to 15 April.
2 You must provide evidence that confirms the piste closures from either Your tour operator or resort management.
What is not covered
Anything mentioned in the General exclusions on page 40.

Section R - Piste closure
(This section does not apply to cross-country skiing.)
If all pistes at the resort You have booked are closed because of lack of snow, excessive snow or high winds We will pay up to £20 a day to transport You to another site. If there are no other sites nearby, We will pay You £30 compensation each day.
The most We will pay
The most We will pay for each Insured Person is £300.
Special conditions
1 This section does not apply in the UK, and within Europe the cover only applies during the period 15 December to 15 April.
2 You must provide evidence that confirms the piste closures from either Your tour operator or resort management.
What is not covered
Anything mentioned in the General exclusions on page 40.

Section R - Piste closure
(This section does not apply to cross-country skiing.)
If all pistes at the resort You have booked are closed because of lack of snow, excessive snow or high winds We will pay up to £20 a day to transport You to another site. If there are no other sites nearby, We will pay You £30 compensation each day.
The most We will pay
The most We will pay for each Insured Person is £300.
Special conditions
1 This section does not apply in the UK, and within Europe the cover only applies during the period 15 December to 15 April.
2 You must provide evidence that confirms the piste closures from either Your tour operator or resort management.
What is not covered
Anything mentioned in the General exclusions on page 40.

Section Q - Delay due to avalanche
We will cover You for the cost of extra travel and accommodation if an avalanche delays Your arrival at or departure from the booked resort.
The most We will pay
The most We will pay for each Insured Person is £200.
What is not covered
Anything mentioned in the General exclusions on page 40.

Section P - Winter sports equipment
Winter sports cover only applies if shown on Your policy schedule. If selected, cover under Sections P to T will apply for the duration shown on Your policy schedule.
1 If Your Winter Sports Equipment is lost, stolen or damaged by accident during Your Trip, We will pay for their replacement or repair, whichever is lower, after making an allowance for wear and tear and loss of value using the scale below:
Up to one year old, 90% of the purchase price
Up to two years old, 70% of the purchase price
Up to three years old, 50% of the purchase price
Up to four years old, 30% of the purchase price
Over four years old, 20% of the purchase price.
The most We will pay is £500 for each Insured Person.
2 If You hire Winter Sports Equipment and it is lost, stolen or damaged by accident during Your Trip, We will pay for its replacement or repair.
The most We will pay is £400 for each Insured Person.
3 If We pay under items 1 or 2 above, We will also pay to hire replacement Winter Sports Equipment for the rest of Your Trip.
The most We will pay under item 3 is £200 for each Insured Person.
4 We will pay up to £200 to replace Your lift pass if it is lost or stolen during Your Trip.
Special conditions
1 You must take reasonable care to keep the Winter Sports Equipment safe. If the Winter Sports Equipment is lost or stolen, You must take all reasonable steps to get it back.
2 If the Winter Sports Equipment is lost or damaged by an authority, a transport company or hotel, You must report the details of the loss or damage to them in writing and get written confirmation.
3 If the Winter Sports Equipment is lost or damaged by an airline, You must:
a) get a property report
b) give written notice of the claim to the . airline within the time limit in their conditions of carriage (You should also keep a copy)c) keep all travel tickets and tags if You claim under this policy.
4 You must be able to prove that You were responsible for the lost, stolen or damaged items and the purchase price. If You do not do this, it may affect Your claim.
Excess
We will not pay the first £50 of each Insured Persons claim.
What is not covered
1 Deliberate or malicious damage to Winter Sports Equipment caused by an Insured Person.
2 Loss or damage to Winter Sports Equipment caused by an Insured Persons carelessness or neglect.
3 Wear and tear, loss of value and damage caused by moths or vermin, or any process of cleaning, repairing or restoring.
4 Losses from motor vehicles.
5 Any loss or theft which You do not report to the police within 24 hours of discovery and get a written report for (where it is not possible to obtain a police report You must provide other independent proof of loss such as a letter from Your transport company or resort management).
6 Winter Sports Equipment that is damaged while it is being used.
7 Anything mentioned in the General exclusions on page 40.

24-hour worldwide Medical Emergency Assistance Service
The cost of the Medical Emergency Assistance Service will be met under this insurance. The service will be governed by the terms, conditions and exclusions in this Travel Insurance Policy and will be operated by Our appointed Medical Emergency Assistance provider.
If You need help, please phone (+44) 1738 635 566 or fax (+44) 1603 208 075
An experienced Medical Emergency Assistance co-ordinator will deal with Your enquiry and make sure that:
where necessary, hospitals are contacted necessary medical fees are guaranteed; and medical advisers are consulted.
If any illness or injury means that You need to go into hospital as an in-patient, it is very important that You contact the helpline before You make any admission arrangements. If this is not possible because the condition is serious, You must contact the helpline as soon as possible after You go into hospital.
If You need to return to the UK for any reason, it is also important that You contact the helpline before You make any return journey arrangements.
It may affect Your claim if You do not contact the Medical Emergency Assistance Service helpline.
What is not covered
1 This is not a general health insurance policy. It only covers You if there is a sudden and unexpected accident or if You become ill. It does not cover non emergency treatment.
2 We do not cover any payment, which You would normally have made during Your travels and/or which does not fall within the events insured under the terms of this policy.

Section O - Baggage (optional)
This section only applies if shown on Your policy schedule.
We will cover You for loss, theft or accidental damage to Your personal belongings or baggage during Your Trip.
Special conditions
1 You must take reasonable care to keep Your personal belongings and baggage safe. If Your personal belongings or baggage is lost or stolen, You must take all reasonable steps to get it back.
2 If Your personal belongings or baggage is lost or damaged by an authority, a transport company or hotel, You must report the details of the loss or damage to them in writing and get written confirmation.
3 If Your personal belongings or baggage is lost or damaged by an airline, You must:
a) get a property report
b) give written notice of the claim to the airline within the time limit in their conditions of carriage (You should also keep a copy)
c) keep all travel tickets and tags if You claim under this policy.
4 You must be able to prove that You were responsible for the lost, stolen or damaged items and how much they are worth. If You do not do this, it may affect Your claim.
5 At Our option, We will settle any claim by payment or replacement. We will pay claims for personal belongings and baggage based on their value at the time of loss. We will not pay the cost of replacing them with new items, and We will not pay more than the original purchase price of any lost or damaged item.
6 If You have also made a claim under Section N - Delayed baggage this amount will be deducted from the amount claimed under this section.
The most We will pay
The most We will pay for each Insured Person is £1,500 but no more than:
- £300 for any one article, pair or set of articles; and
- £400 in total for Valuables.
Excess
We will not pay the first £50 of each Insured Persons claim.
What is not covered
1 Loss or theft of personal belongings or baggage which You have left Unattended.
2 Cracking, scratching or breaking of glass (except lenses in cameras, binoculars, telescopes or spectacles), china or similar fragile articles.
3 Pedal cycles, contact lenses, and medical and dental fittings.
4 Wear and tear, loss of value and damage caused by moths and vermin, or any process of cleaning, repairing or restoring.
5 Any loss or theft which You do not report to the police within 24 hours of discovery and get a written report (where it is not possible to obtain a police report You must provide other independent proof of loss such as a letter from Your transport company or hotel).
6 Sports equipment that is damaged while it is being used.
7 Winter Sports Equipment.
8 Any goods delayed, detained or confiscated by customs or other officials.
9 Items used in connection with Your job which are not owned by You.
10 Bonds, securities or documents of any kind.
11 Loss or damage to Valuables not carried in Your hand baggage while You are travelling.
12 Deliberate or malicious damage to personal belongings or baggage caused by an Insured Person.
13 Personal Money.
14 Anything mentioned in the General exclusions on page 40.

Section N - Delayed baggage
If Your baggage is temporarily lost on the outward journey and You are without it for more than 12 hours, We will pay for the replacement of essential items. To claim under this section, You must keep the receipt of anything You buy and get written confirmation from the carrier of the number of hours You were without Your baggage.
The most We will pay
The most We will pay for each Insured Person is £150.
What is not covered
1 Any claim for baggage delayed or detained by customs or other officials.
2 Anything mentioned in the General exclusions on page 40.

Section A - Cancellation charges
We will cover You for:
1 Deposits You have paid for Your Trip and cannot get back
2 Your unused travel and accommodation costs which You have paid or legally have to pay and cannot get back
3 Unused kennel, cattery or professional carers fees up to £200, which You have paid or legally have to pay and cannot get back.
If, after the date of buying Your policy or booking a Trip (whichever is later), You unavoidably have to cancel Your Trip for one of the reasons below:
1 One of the following people is injured, falls ill, is quarantined or dies:
a) You
b) Your Travelling Companion
c) any person You were going to stay with.
2 One of the following people is seriously injured, falls seriously ill or dies:
a) any Close Relative of Yours or of Your Travelling Companion
b) any Close Business Associate of Yours or of Your Travelling Companion.
3 You or Your Travelling Companion are called for jury service or as a witness in a court of law during the period of insurance.
4 You, Your Travelling Companion or Your marital/civil partner or partner who lives with You are made redundant and registered as unemployed with the Employment Service. Cover does not apply to self-employed people.
5 Your Home or Your Travelling Companions home is badly damaged by fire, storm or flood in the seven days prior to the departure date of Your Trip.
6 The police need to talk to You or Your Travelling Companion because Your Home or their home or place of work has been burgled.
Special condition
All claims resulting from injury, illness, quarantine or death must be supported by medical reports or a death certificate (or both) indicating the necessity to cancel Your Trip.
The most We will pay
The most We will pay for each Insured Person is £5,000.
Excess
We will not pay the first £50 of each Insured Persons claim. However, the maximum You will have to pay is £100 if two or more Insured Persons cancel the same Trip.
For loss of deposits We will not pay the first £10 of each Insured Persons claim.
What is not covered
1 Any claim for a medical condition if any of the following applied when You took out Your policy or booked Your Trip (whichever is later).
You:
a) had received advice, medication or treatment for any serious, chronic or recurring illness, injury or disease in the last 12 months unless the condition was disclosed to and accepted by Us
b) were under investigation or awaiting results for any diagnosed or undiagnosed condition unless disclosed to and accepted by Us
c) were on a waiting list for in-patient treatment or were aware of the need for in-patient treatment for any diagnosed or undiagnosed condition unless disclosed to and accepted by Us
d) had been told You have a terminal illness.
2 Any claim for a medical condition if any person upon whose good health Your Trip depends had a serious, chronic or recurring illness, injury or disease when You took out Your policy or booked Your Trip (whichever is later) unless the condition was disclosed to and accepted by Us.
3 Any claim for a medical condition You were planning to get medical treatment for during Your Trip.
4 Any claim that results from:
a) any anxiety state, depression, mental, nervous or emotional disorder which had been diagnosed before You took out Your policy or booked Your Trip (whichever is later)
b) pregnancy or childbirth where the expected date of delivery is less than 12 weeks (16 weeks in the case of a multiple pregnancy) before Your planned return date.
5 Any claim made because You dont feel like travelling.
6 Any claim for redundancy caused by misconduct, resignation or voluntary redundancy, or if You, Your Travelling Companion or Your marital/civil partner or partner who lives with You knew of the redundancy before You took out Your policy or booked Your Trip (whichever is later).
7 Any claim for unused travel or accommodation arranged by using Air Miles or similar promotions.
8 Any claim for management fees, maintenance costs or exchange fees associated with timeshares and similar arrangements.
9 Any claim for refund of any costs for persons not named on this policy.
10 Anything mentioned in the General exclusions on page 40.

Section H - Missed departure
We will cover You for the extra accommodation and travel costs You have to pay to reach Your destination if You arrive at the final point of international departure too late to board the ship, aircraft or train in which You are booked to travel on Your outward journey from the UK or on the final part of Your return journey to
the UK, as a direct result of:
1 Failure of scheduled public transport services
2 Delay to a connecting scheduled flight; or
3 Accidental damage to, or breakdown of, the vehicle in which You are travelling.
Special conditions
1 You must do everything You can to get to the international departure point from or to the UK for the time specified on Your ticket/itinerary.
2 You must get a repairers report if You are claiming because the vehicle You were travelling in had an accident or broke down.
3 If You have missed or will miss Your international ship, aircraft or train due to one of the reasons listed above, contact (+44) 1738 635 566 and We will contact the carrier for You (if a late arrival is possible) or will make alternative travel arrangements for You, up to the limit payable. Any cost incurred may have to be paid by You and submitted as a claim.
The most We will pay
The most We will pay for each Insured Person is £1,000.
What is not covered
1 Any claim caused by a strike or industrial action that was planned before You took out Your policy or booked Your Trip, whichever is later.
2 Any claim where You have not done everything You can to reach Your international departure point from or to the UK on time.
3 Any claim where the carrier has offered reasonable alternative transport.
4 Anything mentioned in the General exclusions on page 40.

Section G Delayed departure
If the international ship, aircraft or train that You are booked to travel on is delayed in leaving the UK at its scheduled time of departure on Your outward journey or on the final part of Your return journey to the UK,
We will:
1 Pay £25 for every full 12 hour period You are delayed.
2 Refund Your unused travel and accommodation costs, which You have paid or legally have to pay but cannot get back, if after You have been delayed for more than 24 hours on Your outward journey from the UK, You choose to Abandon Your Trip. If You choose to Abandon Your Trip We will also pay unused kennel, cattery or professional carers fees which You cannot get back up to £200.
Special condition
We will work out the length of the delay from the date and time the international ship, aircraft or train should have left. You must check in at the specified time and get written confirmation from the carrier or their handling agents of the actual date and time of departure and the reason for the delay.
The most We will pay
The most We will pay under item 1 for each Insured Person is £250.
The most We will pay under item 2 for each Insured Person is £5,000.
Excess
We will not pay the first £50 of each Insured Persons claim under item 2. However, the maximum You will have to pay is £100 if two or more Insured Persons Abandon the same Trip.
What is not covered
1 Any claim caused by a strike or industrial action that was planned before You took out Your policy or booked Your Trip, whichever is later.
2 Any claim for unused travel or accommodation arranged by using Air Miles or similar promotions.
3 Any claim for management fees, maintenance costs or exchange fees associated with timeshares and similar arrangements.
4 Any claim for refund of any costs for persons not named on this policy.
5 More than one item under this section.
6 Anything mentioned in the General exclusions on page 40.

Section D - Abandonment
We will cover You for:
a) unused accommodation costs that You.
have paid for before starting Your Trip, or legally have to pay, and cannot get back
b) reasonable additional travel costs to allow You to return Home early if You cannot use Your return ticket
c) reasonable additional accommodation costs to allow You to return Home early
d) unused kennel, cattery or professional carers fees up to £200 that You have paid for before starting Your Trip, or legally have to pay, and cannot get back.
If You unavoidably have to Abandon Your Trip because any of the following happen whilst You are away:
1 One of the following people is seriously injured, falls seriously ill, is quarantined or dies:
a) You
b) Your Travelling Companion
c) the person You were staying with.
2 One of the following people is seriously injured, falls seriously ill or dies:
a) any Close Relative of Yours or of Your Travelling Companion
b) any Close Business Associate of Yours or of Your Travelling Companion.
3 Your Home or Your Travelling Companions home is badly damaged by fire, storm or flood.
4 The police need to talk to You or Your Travelling Companion because Your Home or their home or place of work has been burgled.
Special conditions
1 If You need to return to the UK and intend to make a claim under this section, You must phone Our Medical Emergency Assistance provider immediately on (+44) 1738 635 566.
2 All claims resulting from injury, illness, quarantine or death must be supported by medical reports or a death certificate (or both) indicating the necessity to Abandon Your Trip.
The most We will pay
The most We will pay for each Insured Person is £5,000.
Excess
We will not pay the first £50 of each Insured Persons claim. However, the maximum You will have to pay is £100 if two or more Insured Persons Abandon the same Trip.
What is not covered
1 Any claim for a medical condition if any Insured Person has travelled against the advice of a Doctor or would be travelling against the advice of a Doctor if they had taken such advice.
2 Any claim for a medical condition if any of the following applied when You took out Your policy, or booked Your Trip (whichever is later) You:
a) had received advice, medication or treatment for any serious, chronic or recurring illness, injury or disease in the last 12 months unless the condition was disclosed to and accepted by Us
b) were under investigation or awaiting results for any diagnosed or undiagnosed condition unless disclosed to and accepted by Us
c) were on a waiting list for in-patient treatment or aware of the need for in-patient treatment for any diagnosed or undiagnosed condition unless disclosed to and accepted by Us
d) had been told You have a terminal illness.
3 Any claim for a medical condition if any person upon whose good health Your Trip depends had a serious, chronic or recurring illness, injury or disease when You took out Your policy or booked Your Trip (whichever is later) unless the condition was disclosed to and accepted by Us.
4 Any claim for a medical condition where You or anyone upon whose good health Your Trip depends has received medical advice for a potentially serious illness or injury between booking Your Trip and the departure date unless disclosed to and accepted by Us.
5 Any claim for a medical condition You were planning to get medical treatment for during Your Trip.
6 Any claim made because You did not enjoy Your Trip.
7 Any claim which was not authorised by Our Medical Emergency Assistance provider before You returned Home.
8 Any claim resulting from a tropical disease where You have not had the recommended inoculations and/or taken the recommended medication.
9 Any claim that results from:
a) any anxiety state, depression, mental or nervous disorder which had been diagnosed when You took out Your policy or booked Your Trip (whichever is later)
b) pregnancy or childbirth where the expected date of delivery is less than 12 weeks (16 weeks in the case of a multiple pregnancy) before Your planned return date
c) You flying (except while travelling in an aircraft as a passenger) or taking part in other aerial activities unless You have cover under the leisure, winter sports or hazardous activities sections
d) You motorcycling:
- as a rider or passenger on a machine over 125cc; or
- as a rider or passenger on a machine 125cc or under unless You wear a crash helmet and, as a rider, You hold a full UK motorcycle licence
e) Your involvement in manual work of any kind
f) You taking part in any winter sports activity listed on page 15 unless winter sports cover is shown on Your policy schedule
g) You taking part in any hazardous activity listed on pages 38 and 39 unless the appropriate level of cover is shown on Your policy schedule
h) You taking part in a leisure activity, winter sports activity or hazardous activity not listed as covered in the policy booklet
i) You taking part in any organised team or contact sport not listed as covered in the policy booklet; any activity either as a professional or where You receive any financial reward or gain; or competing in or practising for speed or time trials, sprints or racing of any kind other than on foot or for yacht/dinghy racing, biathlons and triathlons
j) You taking part in expeditions or being a crewmember on a vessel travelling from one country to another.
10 Any claim for unused travel or accommodation arranged by using Air Miles or similar promotions.
11 Any claim for management fees, maintenance costs or exchange fees associated with timeshares and similar arrangements.
12 Any claim for refund of any costs for persons not named on this policy.
13 Any claim for additional travelling expenses if You have not purchased a return ticket to the UK.
14 Anything mentioned in the General exclusions on page 40.

Section F- Personal Liability
We will cover You for any money that You legally have to pay that relates to an accident during Your Trip which causes:
a) death or injury to any person; and /or
b) loss or damage to property.
The most We will pay
The most We will pay for all claims arising from any one event is £2,000,000 for each Insured Person. We will also pay any extra costs and expenses that You have to pay as long as We agree, in writing, beforehand.
What is not covered
1 Any fines or exemplary damages (punishing, or aimed at punishing, the person responsible rather than awarding compensation) You have to pay.
2 Liability arising from:
a) death or injury of people who work for You or members of Your household
b) loss of or damage to property which belongs to or is under the control of You, a member of Your household or people who work for You
c) Your job (this exclusion still applies when Your policy has been extended to cover business travel)
d) Your involvement in manual work of any kind
e) You owning or occupying any land or building, unless You are occupying any temporary holiday accommodation in which case We will not cover the first £100 of any claim
f) You owning or using:
animals (except domestic animals) firearms (except sporting guns used for clay pigeon shooting) motorised vehicles vessels (except manually propelled watercraft); or
aircraft of any description, including unpowered flight
g) You taking part in any winter sports activity listed on page 15 unless winter sports cover is shown on Your policy schedule
h) You taking part in any hazardous activity listed on pages 38 and 39 unless the appropriate level of cover is shown on Your policy schedule
i) You taking part in a leisure activity, winter sports activity or hazardous activity not listed as covered in the policy booklet
j) You taking part in any organised team or contact sport not listed as covered in the policy booklet; any activity either as a professional or where You receive any financial reward or gain; or competing in or practising for speed or time trials, sprints or racing of any kind other than on foot or for yacht/dinghy racing, biathlons and triathlons.
3 Anything mentioned in the General exclusions on page 40.

Norwich Union Travel Assistant
Norwich Union Travel Assistant is a helpline service that helps You sort out all kinds of travel problems. Before You go, and while You are away, Norwich Union Travel Assistant can help You with a wide range of travel advice, from information on the country or countries You are visiting to sorting out emergencies abroad.
The Norwich Union Travel Assistant helpline service is available 24 hours a day.

24-hour worldwide Medical Emergency Assistance Service
The cost of the Medical Emergency Assistance Service will be met under this insurance. The service will be governed by the terms, conditions and exclusions in this Travel Insurance Policy and will be operated by Our appointed Medical Emergency Assistance provider.
If You need help, please phone (+44) 1738 635 566 or fax (+44) 1603 208 075
An experienced Medical Emergency Assistance co-ordinator will deal with Your enquiry and make sure that:
where necessary, hospitals are contacted necessary medical fees are guaranteed; and medical advisers are consulted.
If any illness or injury means that You need to go into hospital as an in-patient, it is very important that You contact the helpline before You make any admission arrangements. If this is not possible because the condition is serious, You must contact the helpline as soon as possible after You go into hospital.
If You need to return to the UK for any reason, it is also important that You contact the helpline before You make any return journey arrangements.
It may affect Your claim if You do not contact the Medical Emergency Assistance Service helpline.
What is not covered
1 This is not a general health insurance policy. It only covers You if there is a sudden and unexpected accident or if You become ill. It does not cover non emergency treatment.
2 We do not cover any payment, which You would normally have made during Your travels and/or which does not fall within the events insured under the terms of this policy.

This section only applies if shown on Your policy schedule. If selected, cover only applies to the Insured Person(s) named under this section for the level of cover shown on Your policy schedule.
Sections B, C and D of Your policy are extended to cover You if You take part in a hazardous activity, listed under the level of cover You have selected, on a recreational basis during Your Trip.
The cover given by this section only applies up to a total of 21 days during the period of insurance.
Level 1
Artificial wall climbing (safety harness must be worn)
Banana boating and ringos
Baseball
Basketball
Camel riding (under supervision)
Cricket
Cross country running
Deep sea fishing
Elephant riding (under supervision)
Gymnastics
Hiking (between 2000 and 3000 metres altitude)
Netball
Scuba diving to 15 metres (no solo or technical diving)
Trekking (between 2000 and 3000 metres altitude)
Level 2
Abseiling (under supervision)
Boxing training (no contact)
Cave tubing and black water rafting
Cycle touring
Fell running
Half marathons
High diving (under 5 metres)
Hockey
Hurling
Jet boating (passenger only and organised through
Your tour operator)
Lacrosse
Mountain biking (no racing)
Orienteering
Paintball (protective gear must be worn)
Rugby
Sea canoeing/kayaking *
Shark diving (cage only and organised through Your
tour operator)
Shinty
Wake boarding ***
Level 3
American football
Australian rules football
Biathlon
Bungee jumping
Dog sledding ***
Hiking (between 3000 and 4000 metres altitude)
Hydro zorbing
Parascending (over land)
Sand yachting ***
Static line sky diving
Trekking (between 3000 and 4000 metres altitude)
White water canoeing, kayaking and rafting
(Grades 3 & 4)
Level 4
Abseiling
BMX cycling (protective gear must be worn)
High diving
Marathon running
Martial arts training
Modern pentathlon
Outward bound pursuits
Paragliding
Quad biking (crash helmet must be worn) ***
Scuba diving between 15 and 30 metres (no solo or
technical diving)
Skateboarding (protective gear must be worn)
Tandem sky diving
Triathlon
Weight lifting training
Yacht or dinghy racing (inland and coastal waters only) *** & *
Level 5
Bob sleighing **
Canyoning
Gliding ***
Hang gliding
Heli skiing **
Ice hockey **
Kite surfing ***
Land yachting ***
Luging **
Microlighting (passenger only) ***
Parasailing
Rock scrambling
Scuba diving between 30 and 40 metres (no solo or
technical diving)
Show jumping
Sky diving
Wrestling training
Zorbing
*** No Personal liability cover
* Coastal waters are defined as within a 5 mile limit of the coastline for dinghy sailing and sea canoeing/kayaking and within a 12 mile limit for yachting
** Cover only applies if You have selected the winter sports option
Important notes
If You take part in a hazardous activity that is not listed under the level of cover You have selected, cover will be excluded.
If Your Trip is for the sole purpose of taking part in a hazardous activity that is listed above, please let Us know before booking or travelling as cover may be excluded.
What is not covered
1 This insurance does not cover You while You are taking part in any hazardous activity listed above:
a) unless the appropriate level of cover is shown on Your policy schedule
b) for more than a maximum of 21 days during the period of insurance
c) either as a professional or where You receive any financial reward or gain
d) where You are competing in or practising for speed or time trials, sprints or racing of any kind other than on foot or for yacht/dinghy racing, biathlons and triathlons
e) unless You follow all the relevant safety guidelines and use the recommended gear and equipment for the activity.
2 Any Insured Person aged under 10 years who is not supervised at all times by an adult.
3 Sky diving and paragliding by any Insured Person aged under 16 years.
4 Tandem sky diving by any Insured Person aged under 14 years.
5 Scuba diving if You are not accompanied by a PADI, DIWI, NAUI, BSAC, SAA or SSI member with the relevant qualifications for the dive(s) You are undertaking.
6 Scuba diving if You travel by air within 24 hours of completing a dive.
7 Any claim caused by You not being physically fit to take part in the activity or if You are suffering from a medical condition which would normally prohibit a person from taking part in the activity.

General conditions which apply to the whole policy
1 You must pay Us back any amount which We have paid which You are not covered for.
2 You must tell Us as soon as possible after any injury, illness, incident or redundancy, or if You discover any loss or damage which may lead to a claim under this policy. You must also tell Us if You are aware of any writ, summons or prosecution. You must send Us every communication relating to a claim immediately.
3 You, or any person acting for You, must not negotiate, admit or reject any claim without Our permission in writing.
4 We may refuse to pay any expenses for which You cannot provide receipts or bills.
5 You or Your legal representative must pay for any certificates, information and evidence, which We may need. When there is a claim for injury or illness, We may ask for, and will pay for, any Insured Person to be medically examined on Our behalf. We may also ask for, and will pay for, a postmortem examination if any Insured Person dies.
6 If, at the time of an incident which results in a claim under this policy, there is any other insurance covering the same loss, damage, expense or liability, We are entitled to approach that insurer for a contribution towards the claim, and will only pay Our share. This condition does not apply to the Personal accident or Hospital benefit sections.
7 We are entitled to take over and carry out in Your name the defence or settlement of any legal action. We may also take proceedings at Our own expense and for Our own benefit, but in Your name, to recover any payment We have made under this policy to anyone else.
8 You cannot transfer Your rights under this policy. A person, partnership (whether limited or not) or company who is not named on the policy schedule for this policy has no rights under the Contracts (Rights of Third Parties) Act 1999 to enforce any of its terms.
9 If You make a medical claim You may be asked to supply Your UK Doctors name to enable Us to access Your medical records.
This will help the treating Doctors, and Us, to provide You with the most appropriate treatment and assess whether cover applies.
If You do not agree to provide this We may not deal with Your claim.
10 Following the expiry of any statutory cooling off period, You continue to have the right to cancel Your policy at any time by contacting Us, but no refund of premium will be available. We (or any agent We appoint and who acts with Our specific authority) may cancel this policy by sending 14 days notice to Your last known address.
We may return part of the premium to You.
We may cancel this policy immediately if You do not pay the premium.
Fraud
If You, or anyone acting for You, make a claim under this policy knowing the claim to be dishonest or intentionally exaggerated or fraudulent in any way, or if You give any false declaration or statement to support the claim, We will not pay the claim and all cover under the policy will end.
We reserve the right to tell the police about any dishonest claim.

Excess/Excesses
The amounts You will have to pay towards any claim. This applies to each claim per Insured Person per section, if applicable.