Pearl AllClear - Medical Travel Insurance

Exclude Baggage Cover
Many household policies offer cover for your property whilst on holiday, therefore you may wish to reduce your premium by removing baggage cover.

Exclude cancellation
You may not want cover for holiday costs lost due to cancelling or cutting short your trip, e.g. for health reasons. You receive a 20% discount for this.
Additional Cancellation Cover
Increase the standard cover (£1000) under the Cancellation and Curtailment Section up to £5000. Please note, if no pre-existing medical conditions are declared, the standard cancellation cover is increased to £5000 per traveller automatically.

Section 6 - Medical Emergency Expenses (not private health insurance)
This section does not apply to trips within your home country (except for trips within the Channel Islands, where NHS treatment is not available).
Before a claim for emergency expenses can be submitted under this section, you must contact the FirstAssist Emergency Service.
If you are taken into hospital or you think that you may have to come home early (be repatriated) or extend your journey because of illness or accident, the emergency assistance company must be told immediately.
If during your trip you become ill or are injured:
You are covered
Up to £5,000,000 for costs incurred outside your home country other than for costs incurred in Region 6 and 9 where the limit is up to £250,000 for pre-existing medical conditions that have been accepted by us in writing:
1) for emergency medical and surgical treatment. Claims for emergency dental treatment (for the relief of pain only) shall be limited to £350;
2) for reasonable and necessary additional accommodation (room only) and travelling expenses (economy class), including those of one relative or friend if you have to be accompanied home on medical advice or if you are a child and require an escort home;
3) loss of medication shall be limited to £300.
4) in the event of death:
a) for conveyance of the body or ashes to your home country (the cost of burial or cremation is not included) or;
b) local funeral expenses abroad limited to £1,500;
5) For reasonable cattery or kennel costs you have to pay if for medical reasons you cannot return home as planned.
6) up to £25 for each 24 hour period that you are in hospital as an in-patient up to £1,000 in total during the journey.
NOTE - All receipts must be retained and produced in the event of a claim. Your claim may be rejected if receipts are not produced.
If you become ill or are injured we have the right to bring you back home, if the treating doctor and the FirstAssist Emergency Service doctor agree that you can safely travel home. If you refuse to return home, we have the right to stop cover.
You are not covered
1) for the first £50 of each and every incident per each insured person involved in the incident;
2) for any sums which can be recovered by you and which are covered under any National Insurance Scheme or Reciprocal Health Arrangement;
3) for any expenses incurred for illness, injury or treatment required in consequence of:
a) surgery or medical treatment which in the opinion of the attending doctor and the FirstAssist Emergency Service doctor can be reasonably delayed until your return to your home country;
b) medication and/or treatment which at the time of departure is known to be required or to be continued outside your home country;
4) for preventative treatment which can be delayed until your return to your home country;
5) if you have not obtained a written certificate of fitness and ability to travel and endure the trip where you are undergoing medical treatment as a hospital out-patient at the time of paying the final balance of your trip;
6) for claims that are not confirmed as medically necessary by the attending doctor or FirstAssist Emergency Service;
7) for the cost of any elective (non-emergency) treatment or surgery, including exploratory tests, which are not directly related to the illness or injury which necessitated your admittance into hospital;
8) for any additional hospital costs arising from single or private room accommodation unless medically necessary;
9) for treatment or services provided by a health spa, convalescent or nursing home or any rehabilitation centre;
10) for expenses incurred as a result of a tropical disease where you have not had the recommended inoculations and/or taken the recommended medication;
11) for taxi fares not considered medically necessary, and where receipts have not been provided;
12) for telephone expenses;
13) for costs that arise over 12 months after a claim was first notified;
14) if you are undertaking a trip when travelling by air or sea if at the start of your trip, during your trip or on your return date, you are more than 36 weeks and 6 days pregnant for a single pregnancy, or more than 32 weeks and 6 days for a multiple pregnancy;
15) for anything mentioned in the General Exclusions.

Section 5 - Personal Accident
You are covered for
The following benefits, which will be paid to you or your legal personal representative, if you have a personal accident during your trip which, at the end of 12 months after the date of that accident, is the sole cause of your consequent death or disability:
1) Death - £15,000
2) Loss of limb, total and permanent loss of sight in one or both eyes or permanent total disablement - £25,000
NOTE - If you are under 16 or over 75 at the time of the accident the death benefit will be limited to funeral and other expenses up to £1,500 and the permanent total disablement benefit will not apply.
You are not covered for
Any claims for death, loss or disablement caused directly or indirectly by:
1) your sickness, disease, physical or mental condition that is gradually getting worse;
2) an injury which existed prior to the commencement of the trip;
3) pregnancy;
4) any claims under this section not notified to us within 12 months of the date of the accident;
5) anything mentioned in the General Exclusions.

Section 6 - Medical Emergency Expenses (not private health insurance)
This section does not apply to trips within your home country (except for trips within the Channel Islands, where NHS treatment is not available).
Before a claim for emergency expenses can be submitted under this section, you must contact the FirstAssist Emergency Service.
If you are taken into hospital or you think that you may have to come home early (be repatriated) or extend your journey because of illness or accident, the emergency assistance company must be told immediately.
If during your trip you become ill or are injured:
You are covered
Up to £5,000,000 for costs incurred outside your home country other than for costs incurred in Region 6 and 9 where the limit is up to £250,000 for pre-existing medical conditions that have been accepted by us in writing:
1) for emergency medical and surgical treatment. Claims for emergency dental treatment (for the relief of pain only) shall be limited to £350;

Section 6 - Medical Emergency Expenses (not private health insurance)
This section does not apply to trips within your home country (except for trips within the Channel Islands, where NHS treatment is not available).
Before a claim for emergency expenses can be submitted under this section, you must contact the FirstAssist Emergency Service.
If you are taken into hospital or you think that you may have to come home early (be repatriated) or extend your journey because of illness or accident, the emergency assistance company must be told immediately.
If during your trip you become ill or are injured:
You are covered
Up to £5,000,000 for costs incurred outside your home country other than for costs incurred in Region 6 and 9 where the limit is up to £250,000 for pre-existing medical conditions that have been accepted by us in writing:
4) in the event of death:
a) for conveyance of the body or ashes to your home country (the cost of burial or cremation is not included) or;
b) local funeral expenses abroad limited to £1,500;

Section 6 - Medical Emergency Expenses (not private health insurance)
This section does not apply to trips within your home country (except for trips within the Channel Islands, where NHS treatment is not available).
Before a claim for emergency expenses can be submitted under this section, you must contact the FirstAssist Emergency Service.
If you are taken into hospital or you think that you may have to come home early (be repatriated) or extend your journey because of illness or accident, the emergency assistance company must be told immediately.
If during your trip you become ill or are injured:
You are covered
Up to £5,000,000 for costs incurred outside your home country other than for costs incurred in Region 6 and 9 where the limit is up to £250,000 for pre-existing medical conditions that have been accepted by us in writing:
4) in the event of death:
a) for conveyance of the body or ashes to your home country (the cost of burial or cremation is not included) or;
b) local funeral expenses abroad limited to £1,500;

Section 7 - Personal Property
You are covered
3) Personal Money
Up to £400 (limited to £250 for cash losses) if your own money is lost or stolen whilst being carried on your person or left in a locked safety deposit box.
NOTE - If you are aged under 16, claims under personal money are limited to £100 overall (cash £50).
You are not covered
1) for the first £50 of each and every incident per each insured person involved in the incident (not applicable to 2, delayed baggage);
2) if you do not exercise reasonable care for the safety and supervision of your property;
3) for loss, destruction, damage or theft of personal baggage, valuables, mobility aids or money left unattended in a public place, or a place to which members of the general public have access.
4) if you do not obtain a written policy report within 24 hours of the discover in the event of loss, burglary of theft of personal baggage, valuables or money;
5) if your personal baggage is lost, damaged or delayed in transit, if you do not:
a) notify the carrier (i.e, airline, shipping company, etc) immediately and obtain a written carriers report (or Property Irregularity Report in the case of an airline) or,
b) follow up in writing within 7 days to obtain a written carriers report (or Property Irregularity Report in the case of an airline), if you are unable to obtain one immediately.
6) for loss, destruction, damage or theft:
a) from confiscation or detention by customs or other officials or authorities;
b) of contact lenses, dentures, hearing aids, samples or merchandise, bonds, coupons, securities, stamps or documents of any kind, vehicles or vehicle accessories (other than wheelchairs and pushchairs only), tents, antiques, musical instruments, pictures, typewriters, telephones, computers/games consoles (including handheld consoles) and/or accessories, televisions, sports gear whilst in use (other than ski equipment for winter sports trips where the appropriate premium has been paid), pedal cycles, dinghies, boats and/or ancillary equipment, glass or china, alcohol, cigarettes or any other tobacco products, satellite navigation systems (GPS) and or/accessories, Personal Digital Assistants (PDA's and/or accessories);
c) due to wear and tear, denting or scratching, moth or vermin;
d) of valuables left as checked-in baggage.
7) for mechanical breakdown, derangement or for breakage of fragile or brittle articles being transported by a carrier, unless the breakage is due to fire or other accident to the vessel, aircraft or vehicle they are being carried in,
8) for valuables stolen from an unattended vehicle.
9) for personal baggage stolen from:
a) an unattended vehicle, unless it was in the locked glove compartment, or rear boot or luggage area of the vehicle and is covered so as not to be visible from outside the vehicle, and there is evidence of forcible and violent entry or,
b) an unattended vehicle (other than motorcaravans) left for any period between the hours of 9pm and 9am;
10) for any shortages due to error, omission or depreciation in the value;
11) for any property more specifically insured or recoverable under any other source;
12) for the cost of replacement locks;
13) for anything mentioned in the General Exclusions.

Section 13 - Legal Expenses
This section of cover is arranged and managed by Lexceteras Limited.
You are covered
Up to a maximum of £25,000 (but not more than £50,000 in total for all insured persons) for your legal costs and expenses incurred to claim for compensation or damages if you are injured or you die during the period of your trip.
NOTE - Lexceteras Limited shall have control over the legal proceedings and the selection, appointment and control of a solicitor.
You are not covered for
1) costs or expenses that Lexceteras Limited has not agreed to;
2) any claim not reported to Lexceteras Limited within 180 days after the event giving rise to the claim;
3) any claim against a travel agent, tour operator or carrier, Lexceteras Limited, our agent, Optimum Underwriting Limited or Groupama Insurance Company Limited, BAS Insurance Services Limited, FirstAssist Insurance Services Limited or Great Lakes Reinsurance (UK) PLC;
4) actions between members of the same family or household, or actions to enforce a judgement or legally binding decision;
5) any claim where Lexceteras Limited considers that your prospects of success in achieving a reasonable benefit are insufficient or where the cost of the action could be more than the settlement;
6) anything mentioned in the General Exclusions.

Section 7 - Personal Property
You are covered
3) Personal Money
Up to £400 (limited to £250 for cash losses) if your own money is lost or stolen whilst being carried on your person or left in a locked safety deposit box.
Definitions
Money - Cash, postal and money orders, travel tickets, lift passes (in respect of winter sports trips where the appropriate premium has been paid), passports, petrol coupons and green cards held by you for social, domestic and pleasure purposes.

Section 10 - Ski Equipment
This section of cover is only applicable if the appropriate winter sports premium has been paid.
You are covered
1) Ski Equipment
Up to £500 for the value or repair of your own ski equipment (after making proper allowance for wear and tear and depreciation) or hired ski equipment, if they are lost, stolen or damaged during your trip, limited to £200 for any one item.
Please note: Claims for owned ski equipment will only be calculated as follows:
Up to 12 months old - 85% of purchase price
Up to 24 months old - 65% of purchase price
Up to 36 months old - 45% of purchase price
Up to 48 months old - 30% of purchase price
Up to 60 months old - 20% of purchase price
Over 60 months old - 0%
2) Ski Hire
For £10 per day up to a maximum of £150 in all for the reasonable cost of hiring replacement ski equipment as a result of the accidental loss, theft or damage of your own ski equipment during the period of insurance.
3) Delayed Ski Equipment
Up to £150 towards the cost of hiring replacement ski equipment necessities, if your own ski equipment is delayed in reaching you on your outward journey for at least 12 hours and you have a written report from the carrier (i.e. airline, shipping company etc.) or tour representative. Receipts will be necessary in the event of a claim.
You are not covered
1) for the first £50 of each and every incident per each insured person involved in the incident (not applicable to 2 and 3 on page 14);
2) if you do not exercise reasonable care for the safety and supervision of your own or your hired ski equipment;
3) if you do not obtain a written police report within 24 hours of the discovery in the event of loss, burglary or theft of your own or your hired ski equipment;
4) if your own or your hired ski equipment is lost, damaged or delayed in transit, if you do not:
a) notify the carrier (i.e. airline, shipping company etc.) immediately and obtain a written carriers report (or Property Irregularity Report in the case of an airline) or,
b) follow up in writing within 7 days to obtain a written Carrier's Report (or Property Irregularity Report in the case of an airline), if you are unable to obtain one immediately;
5) for loss, destruction, damage or theft from confiscation or detention by customs or other officials or authorities;
6) for your own or your hired ski equipment stolen from:
a) an unattended vehicle unless it was in the rear boot or luggage area of the vehicle and is covered so as not to be visible from outside the vehicle, or items stored on a roof rack (unless the vehicle is parked within sight of you), and there is evidence of forcible and violent entry;
b) an unattended vehicle (other than motorcaravans) left for any period between the hours of 9pm and 9am.
7) for anything mentioned in the General Exclusions.

Section 10 - Ski Equipment
This section of cover is only applicable if the appropriate winter sports premium has been paid.
You are covered
1) Ski Equipment
Up to £500 for the value or repair of your own ski equipment (after making proper allowance for wear and tear and depreciation) or hired ski equipment, if they are lost, stolen or damaged during your trip, limited to £200 for any one item.
Please note: Claims for owned ski equipment will only be calculated as follows:
Up to 12 months old - 85% of purchase price
Up to 24 months old - 65% of purchase price
Up to 36 months old - 45% of purchase price
Up to 48 months old - 30% of purchase price
Up to 60 months old - 20% of purchase price
Over 60 months old - 0%
2) Ski Hire
For £10 per day up to a maximum of £150 in all for the reasonable cost of hiring replacement ski equipment as a result of the accidental loss, theft or damage of your own ski equipment during the period of insurance.
3) Delayed Ski Equipment
Up to £150 towards the cost of hiring replacement ski equipment necessities, if your own ski equipment is delayed in reaching you on your outward journey for at least 12 hours and you have a written report from the carrier (i.e. airline, shipping company etc.) or tour representative. Receipts will be necessary in the event of a claim.
You are not covered
1) for the first £50 of each and every incident per each insured person involved in the incident (not applicable to 2 and 3 on page 14);
2) if you do not exercise reasonable care for the safety and supervision of your own or your hired ski equipment;
3) if you do not obtain a written police report within 24 hours of the discovery in the event of loss, burglary or theft of your own or your hired ski equipment;
4) if your own or your hired ski equipment is lost, damaged or delayed in transit, if you do not:
a) notify the carrier (i.e. airline, shipping company etc.) immediately and obtain a written carriers report (or Property Irregularity Report in the case of an airline) or,
b) follow up in writing within 7 days to obtain a written Carrier's Report (or Property Irregularity Report in the case of an airline), if you are unable to obtain one immediately;
5) for loss, destruction, damage or theft from confiscation or detention by customs or other officials or authorities;
6) for your own or your hired ski equipment stolen from:
a) an unattended vehicle unless it was in the rear boot or luggage area of the vehicle and is covered so as not to be visible from outside the vehicle, or items stored on a roof rack (unless the vehicle is parked within sight of you), and there is evidence of forcible and violent entry;
b) an unattended vehicle (other than motorcaravans) left for any period between the hours of 9pm and 9am.
7) for anything mentioned in the General Exclusions.

Section 10 - Ski Equipment
This section of cover is only applicable if the appropriate winter sports premium has been paid.
You are covered
1) Ski Equipment
Up to £500 for the value or repair of your own ski equipment (after making proper allowance for wear and tear and depreciation) or hired ski equipment, if they are lost, stolen or damaged during your trip, limited to £200 for any one item.
Please note: Claims for owned ski equipment will only be calculated as follows:
Up to 12 months old - 85% of purchase price
Up to 24 months old - 65% of purchase price
Up to 36 months old - 45% of purchase price
Up to 48 months old - 30% of purchase price
Up to 60 months old - 20% of purchase price
Over 60 months old - 0%
2) Ski Hire
For £10 per day up to a maximum of £150 in all for the reasonable cost of hiring replacement ski equipment as a result of the accidental loss, theft or damage of your own ski equipment during the period of insurance.
3) Delayed Ski Equipment
Up to £150 towards the cost of hiring replacement ski equipment necessities, if your own ski equipment is delayed in reaching you on your outward journey for at least 12 hours and you have a written report from the carrier (i.e. airline, shipping company etc.) or tour representative. Receipts will be necessary in the event of a claim.
You are not covered
1) for the first £50 of each and every incident per each insured person involved in the incident (not applicable to 2 and 3 on page 14);
2) if you do not exercise reasonable care for the safety and supervision of your own or your hired ski equipment;
3) if you do not obtain a written police report within 24 hours of the discovery in the event of loss, burglary or theft of your own or your hired ski equipment;
4) if your own or your hired ski equipment is lost, damaged or delayed in transit, if you do not:
a) notify the carrier (i.e. airline, shipping company etc.) immediately and obtain a written carriers report (or Property Irregularity Report in the case of an airline) or,
b) follow up in writing within 7 days to obtain a written Carrier's Report (or Property Irregularity Report in the case of an airline), if you are unable to obtain one immediately;
5) for loss, destruction, damage or theft from confiscation or detention by customs or other officials or authorities;
6) for your own or your hired ski equipment stolen from:
a) an unattended vehicle unless it was in the rear boot or luggage area of the vehicle and is covered so as not to be visible from outside the vehicle, or items stored on a roof rack (unless the vehicle is parked within sight of you), and there is evidence of forcible and violent entry;
b) an unattended vehicle (other than motorcaravans) left for any period between the hours of 9pm and 9am.
7) for anything mentioned in the General Exclusions.

Section 11 - Ski Pack
This section of cover is only applicable if the appropriate winter sports premium has been paid.
You are covered
Up to a maximum of £400 in all for the unused portion of your ski pack costs paid for or contracted to be paid for before your trip commenced, where you do not curtail the trip, but are certified by a medical practitioner in the resort as being unable to ski and unable to use the ski pack facilities because of serious injury or illness occurring during the trip and where there is confirmation that no refund is available for the unused items.
You are not covered
1) for the first £50 of each incident per each insured person involved in the incident;
2) for claims that are not confirmed as medically necessary by FirstAssist Emergency Service and where a medical certificate has not been obtained from the attending medical practitioner abroad confirming that you are unable to ski and unable to use the ski pack facilities;
3) for anything mentioned under You are not covered of Section 6 - Medical Emergency Expenses;
4) for anything mentioned under the General Exclusions.

Section 7 - Personal Property
You are covered
3) Personal Money
Up to £400 (limited to £250 for cash losses) if your own money is lost or stolen whilst being carried on your person or left in a locked safety deposit box.
NOTE - If you are aged under 16, claims under personal money are limited to £100 overall (cash £50).
Definitions
Money - Cash, postal and money orders, travel tickets, lift passes (in respect of winter sports trips where the appropriate premium has been paid), passports, petrol coupons and green cards held by you for social, domestic and pleasure purposes.
You are not covered
1) for the first £50 of each and every incident per each insured person involved in the incident (not applicable to 2, delayed baggage);
2) if you do not exercise reasonable care for the safety and supervision of your property;
3) for loss, destruction, damage or theft of personal baggage, valuables, mobility aids or money left unattended in a public place, or a place to which members of the general public have access.
4) if you do not obtain a written policy report within 24 hours of the discover in the event of loss, burglary of theft of personal baggage, valuables or money;
5) if your personal baggage is lost, damaged or delayed in transit, if you do not:
a) notify the carrier (i.e, airline, shipping company, etc) immediately and obtain a written carriers report (or Property Irregularity Report in the case of an airline) or,
b) follow up in writing within 7 days to obtain a written carriers report (or Property Irregularity Report in the case of an airline), if you are unable to obtain one immediately.
6) for loss, destruction, damage or theft:
a) from confiscation or detention by customs or other officials or authorities;
b) of contact lenses, dentures, hearing aids, samples or merchandise, bonds, coupons, securities, stamps or documents of any kind, vehicles or vehicle accessories (other than wheelchairs and pushchairs only), tents, antiques, musical instruments, pictures, typewriters, telephones, computers/games consoles (including handheld consoles) and/or accessories, televisions, sports gear whilst in use (other than ski equipment for winter sports trips where the appropriate premium has been paid), pedal cycles, dinghies, boats and/or ancillary equipment, glass or china, alcohol, cigarettes or any other tobacco products, satellite navigation systems (GPS) and or/accessories, Personal Digital Assistants (ADA's and/or accessories);
c) due to wear and tear, denting or scratching, moth or vermin;
d) of valuables left as checked-in baggage.
7) for mechanical breakdown, derangement or for breakage of fragile or brittle articles being transported by a carrier, unless the breakage is due to fire or other accident to the vessel, aircraft or vehicle they are being carried in,
8) for valuables stolen from an unattended vehicle.
9) for personal baggage stolen from:
a) an unattended vehicle, unless it was in the locked glove compartment, or rear boot or luggage area of the vehicle and is covered so as not to be visible from outside the vehicle, and there is evidence of forcible and violent entry or,
b) an unattended vehicle (other than motorcaravans) left for any period between the hours of 9pm and 9am;
10) for any shortages due to error, omission or depreciation in the value;
11) for any property more specifically insured or recoverable under any other source;
12) for the cost of replacement locks;
13) for anything mentioned in the General Exclusions.

Section 12 - Piste Closure
This section of cover is only applicable if the appropriate winter sports premium has been paid.
Cover is only available under this Section between 1st December to 30th April.
If there is a lack of snow in your resort and it closes, which prevent you from skiing.
You are covered
1) for a benefit of £35 per day towards the costs you have to pay to travel to another resort, up to a maximum of £350 or
2) for a benefit of £35 for each full day you are unable to ski up to a maximum of £350, if your resort stays closed and there is no other resort available, for as long as these conditions exist at the resort, but not exceeding the pre-booked period of insurance of your trip.
You are not covered
1) for claims where you have not obtained confirmation of resort closure from the local representative;
2) for claims where not all skiing facilities are totally closed;
3) for claims where the lack of snow conditions are known or are public knowledge at the time of effecting this insurance;
4) for anything mentioned in the General Exclusions.

Section 12 - Piste Closure
This section of cover is only applicable if the appropriate winter sports premium has been paid.
Cover is only available under this Section between 1st December to 30th April.
If there is a lack of snow in your resort and it closes, which prevent you from skiing.
You are covered
1) for a benefit of £35 per day towards the costs you have to pay to travel to another resort, up to a maximum of £350 or
2) for a benefit of £35 for each full day you are unable to ski up to a maximum of £350, if your resort stays closed and there is no other resort available, for as long as these conditions exist at the resort, but not exceeding the pre-booked period of insurance of your trip.
You are not covered
1) for claims where you have not obtained confirmation of resort closure from the local representative;
2) for claims where not all skiing facilities are totally closed;
3) for claims where the lack of snow conditions are known or are public knowledge at the time of effecting this insurance;
4) for anything mentioned in the General Exclusions.

Section 12 - Piste Closure
This section of cover is only applicable if the appropriate winter sports premium has been paid.
Cover is only available under this Section between 1st December to 30th April.
If there is a lack of snow in your resort and it closes, which prevent you from skiing.
You are covered
1) for a benefit of £35 per day towards the costs you have to pay to travel to another resort, up to a maximum of £350 or
2) for a benefit of £35 for each full day you are unable to ski up to a maximum of £350, if your resort stays closed and there is no other resort available, for as long as these conditions exist at the resort, but not exceeding the pre-booked period of insurance of your trip.
You are not covered
1) for claims where you have not obtained confirmation of resort closure from the local representative;
2) for claims where not all skiing facilities are totally closed;
3) for claims where the lack of snow conditions are known or are public knowledge at the time of effecting this insurance;
4) for anything mentioned in the General Exclusions.

Section 10 - Ski Equipment
This section of cover is only applicable if the appropriate winter sports premium has been paid.
You are covered
1) Ski Equipment
Up to £500 for the value or repair of your own ski equipment (after making proper allowance for wear and tear and depreciation) or hired ski equipment, if they are lost, stolen or damaged during your trip, limited to £200 for any one item.
Please note: Claims for owned ski equipment will only be calculated as follows:
Up to 12 months old - 85% of purchase price
Up to 24 months old - 65% of purchase price
Up to 36 months old - 45% of purchase price
Up to 48 months old - 30% of purchase price
Up to 60 months old - 20% of purchase price
Over 60 months old - 0%
2) Ski Hire
For £10 per day up to a maximum of £150 in all for the reasonable cost of hiring replacement ski equipment as a result of the accidental loss, theft or damage of your own ski equipment during the period of insurance.
3) Delayed Ski Equipment
Up to £150 towards the cost of hiring replacement ski equipment necessities, if your own ski equipment is delayed in reaching you on your outward journey for at least 12 hours and you have a written report from the carrier (i.e. airline, shipping company etc.) or tour representative. Receipts will be necessary in the event of a claim.

Section 10 - Ski Equipment
This section of cover is only applicable if the appropriate winter sports premium has been paid.
You are covered
1) Ski Equipment
Up to £500 for the value or repair of your own ski equipment (after making proper allowance for wear and tear and depreciation) or hired ski equipment, if they are lost, stolen or damaged during your trip, limited to £200 for any one item.
Please note: Claims for owned ski equipment will only be calculated as follows:
Up to 12 months old - 85% of purchase price
Up to 24 months old - 65% of purchase price
Up to 36 months old - 45% of purchase price
Up to 48 months old - 30% of purchase price
Up to 60 months old - 20% of purchase price
Over 60 months old - 0%
2) Ski Hire
For £10 per day up to a maximum of £150 in all for the reasonable cost of hiring replacement ski equipment as a result of the accidental loss, theft or damage of your own ski equipment during the period of insurance.
3) Delayed Ski Equipment
Up to £150 towards the cost of hiring replacement ski equipment necessities, if your own ski equipment is delayed in reaching you on your outward journey for at least 12 hours and you have a written report from the carrier (i.e. airline, shipping company etc.) or tour representative. Receipts will be necessary in the event of a claim.

This policy will cover You when You are engaging in the following sports and activities on a non-competitive and non-professional basis during Your Trip when You have paid the additional Winter Sports premium:
- Ice-skating (outdoor)
- Skiing (off-piste but on recognised and authorised areas only)
- Skiing (on-piste/glacier)
- Snowboarding (off-piste but on recognised and authorised areas only)
- Snowboarding (on-piste)
- Tobogganing

Section 7 - Personal Property
You are covered
1) Personal Baggage
Up to £2,500 (refer to your policy schedule for cover details) for the value or repair of any of your own personal baggage (not hired, loaned or entrusted to you), which is list, stolen, damaged or destroyed (after making proper allowance for wear and tear and depreciation).

Section 7 - Personal Property
You are covered
1) Personal Baggage
Up to £2,500 (refer to your policy schedule for cover details) for the value or repair of any of your own personal baggage (not hired, loaned or entrusted to you), which is list, stolen, damaged or destroyed (after making proper allowance for wear and tear and depreciation). The maximum we will pay for the following items is:
£250 for all valuables in total,
£200 for any one article, pair and/or set of articles,
£300 for all prescription spectacles
£50 for replacement keys (house and/or car only),
£2,500 for mobility aids, including the necessary costs to hire other mobility aids.
NOTE - In the event of a claim for a pair or set of articles we shall be liable only for the value of that part of the pair or set which is lost, stolen, damaged or destroyed.
2) Delayed Baggage
Up to £100 towards the cost of buying replacement necessities if your own personal baggage is delayed in the reaching you on your outward journey for at least 12 hours and you have a written report from the carrier (i.e. airline, shipping company etc) or tour representative. Receipts will be necessary in the event of a claim.
NOTE - Any amount we pay you under 2 (Delayed Baggage) will be refunded to us if your personal baggage proves to be permanently lost.
3) Personal Money
Up to £400 (limited to £250 for cash losses) if your own money is lost or stolen whilst being carried on your person or left in a locked safety deposit box.
NOTE - If you are aged under 16, claims under personal money are limited to £100 overall (cash £50).
You are not covered
1) for the first £50 of each and every incident per each insured person involved in the incident (not applicable to 2, delayed baggage);
2) if you do not exercise reasonable care for the safety and supervision of your property;
3) for loss, destruction, damage or theft of personal baggage, valuables, mobility aids or money left unattended in a public place, or a place to which members of the general public have access.
4) if you do not obtain a written policy report within 24 hours of the discover in the event of loss, burglary of theft of personal baggage, valuables or money;
5) if your personal baggage is lost, damaged or delayed in transit, if you do not:
a) notify the carrier (i.e, airline, shipping company, etc) immediately and obtain a written carriers report (or Property Irregularity Report in the case of an airline) or,
b) follow up in writing within 7 days to obtain a written carriers report (or Property Irregularity Report in the case of an airline), if you are unable to obtain one immediately.
6) for loss, destruction, damage or theft:
a) from confiscation or detention by customs or other officials or authorities;
b) of contact lenses, dentures, hearing aids, samples or merchandise, bonds, coupons, securities, stamps or documents of any kind, vehicles or vehicle accessories (other than wheelchairs and pushchairs only), tents, antiques, musical instruments, pictures, typewriters, telephones, computers/games consoles (including handheld consoles) and/or accessories, televisions, sports gear whilst in use (other than ski equipment for winter sports trips where the appropriate premium has been paid), pedal cycles, dinghies, boats and/or ancillary equipment, glass or china, alcohol, cigarettes or any other tobacco products, satellite navigation systems (GPS) and or/accessories, Personal Digital Assistants (PDA's and/or accessories);
c) due to wear and tear, denting or scratching, moth or vermin;
d) of valuables left as checked-in baggage.
7) for mechanical breakdown, derangement or for breakage of fragile or brittle articles being transported by a carrier, unless the breakage is due to fire or other accident to the vessel, aircraft or vehicle they are being carried in,
8) for valuables stolen from an unattended vehicle.
9) for personal baggage stolen from:
a) an unattended vehicle, unless it was in the locked glove compartment, or rear boot or luggage area of the vehicle and is covered so as not to be visible from outside the vehicle, and there is evidence of forcible and violent entry or,
b) an unattended vehicle (other than motorcaravans) left for any period between the hours of 9pm and 9am;
10) for any shortages due to error, omission or depreciation in the value;
11) for any property more specifically insured or recoverable under any other source;
12) for the cost of replacement locks;
13) for anything mentioned in the General Exclusions.

Section 7 - Personal Property
You are covered
1) Personal Baggage
Up to £2,500 (refer to your policy schedule for cover details) for the value or repair of any of your own personal baggage (not hired, loaned or entrusted to you), which is list, stolen, damaged or destroyed (after making proper allowance for wear and tear and depreciation). The maximum we will pay for the following items is:
£250 for all valuables in total,
£200 for any one article, pair and/or set of articles,
£300 for all prescription spectacles
£50 for replacement keys (house and/or car only),
£2,500 for mobility aids, including the necessary costs to hire other mobility aids.
NOTE - In the event of a claim for a pair or set of articles we shall be liable only for the value of that part of the pair or set which is lost, stolen, damaged or destroyed.
2) Delayed Baggage
Up to £100 towards the cost of buying replacement necessities if your own personal baggage is delayed in the reaching you on your outward journey for at least 12 hours and you have a written report from the carrier (i.e. airline, shipping company etc) or tour representative. Receipts will be necessary in the event of a claim.
NOTE - Any amount we pay you under 2 (Delayed Baggage) will be refunded to us if your personal baggage proves to be permanently lost.
3) Personal Money
Up to £400 (limited to £250 for cash losses) if your own money is lost or stolen whilst being carried on your person or left in a locked safety deposit box.
NOTE - If you are aged under 16, claims under personal money are limited to £100 overall (cash £50).
You are not covered
1) for the first £50 of each and every incident per each insured person involved in the incident (not applicable to 2, delayed baggage);
2) if you do not exercise reasonable care for the safety and supervision of your property;
3) for loss, destruction, damage or theft of personal baggage, valuables, mobility aids or money left unattended in a public place, or a place to which members of the general public have access.
4) if you do not obtain a written policy report within 24 hours of the discover in the event of loss, burglary of theft of personal baggage, valuables or money;
5) if your personal baggage is lost, damaged or delayed in transit, if you do not:
a) notify the carrier (i.e, airline, shipping company, etc) immediately and obtain a written carriers report (or Property Irregularity Report in the case of an airline) or,
b) follow up in writing within 7 days to obtain a written carriers report (or Property Irregularity Report in the case of an airline), if you are unable to obtain one immediately.
6) for loss, destruction, damage or theft:
a) from confiscation or detention by customs or other officials or authorities;
b) of contact lenses, dentures, hearing aids, samples or merchandise, bonds, coupons, securities, stamps or documents of any kind, vehicles or vehicle accessories (other than wheelchairs and pushchairs only), tents, antiques, musical instruments, pictures, typewriters, telephones, computers/games consoles (including handheld consoles) and/or accessories, televisions, sports gear whilst in use (other than ski equipment for winter sports trips where the appropriate premium has been paid), pedal cycles, dinghies, boats and/or ancillary equipment, glass or china, alcohol, cigarettes or any other tobacco products, satellite navigation systems (GPS) and or/accessories, Personal Digital Assistants (PDA's and/or accessories);
c) due to wear and tear, denting or scratching, moth or vermin;
d) of valuables left as checked-in baggage.
7) for mechanical breakdown, derangement or for breakage of fragile or brittle articles being transported by a carrier, unless the breakage is due to fire or other accident to the vessel, aircraft or vehicle they are being carried in,
8) for valuables stolen from an unattended vehicle.
9) for personal baggage stolen from:
a) an unattended vehicle, unless it was in the locked glove compartment, or rear boot or luggage area of the vehicle and is covered so as not to be visible from outside the vehicle, and there is evidence of forcible and violent entry or,
b) an unattended vehicle (other than motorcaravans) left for any period between the hours of 9pm and 9am;
10) for any shortages due to error, omission or depreciation in the value;
11) for any property more specifically insured or recoverable under any other source;
12) for the cost of replacement locks;
13) for anything mentioned in the General Exclusions.

Section 1 - Cancellation
You are covered
Up to £5,000 (If you have declared a pre-existing medical condition the Standard Cover limit is £1,000 unless you have purchased Cancellation Top Up Cover up to a maximum of £5,000) if your travel and accommodation arrangements are cancelled before your departure from your home country (including ski hire, ski school and lift passes for winter sports trips where the appropriate premium has been paid), which have not been used and which you have paid for or contracted to pay for, providing the cancellation is necessary and unavoidable (and is not a result of mere disinclination to commence your trip as arranged) due to:
1) the death or disablement by bodily injury, illness, pregnancy or being subject to quarantine of (a) you, (b) any person you are intending to travel or stay with, (c) an immediate relative of yours or of any person you are intending to travel with or (d) a close business associate of yours;
2) you being called for jury service or as a witness (but not as an expert witness or where your employment would normally require you to attend court) in a Court of Law;
3) your redundancy of any person you are intending to travel with, provided that we are informed in writing immediately notification of redundancy is received and that you were not aware of any impending redundancy at the time this policy was issued;
4) your home being made uninhabitable or place of business being made unusable, up to 14 days before the commencement of your trip, due to fire, lightning, explosion, earthquake, subsidence, storm, flood, falling trees, riot or civil commotion, malicious damage, burst pipes, impact by aircraft, the police requesting your presence following burglary or attempted burglary at your home or place of business;
5) your passport, of the passport of any person you are intending to travel with being stolen during the seven days before your departure date.
6) your carer (who is insured on this policy) having to cancel their journey with you due to one of the reasons stated above. If you wish to continue your journey, we will pay up to £1,000 in total for the costs of extra accommodation and transport to replace your original carer;
7) you, an immediate relative of yours or any person you are travelling with, is a member of the Armed Forces, emergency services or administrative government employees and are ordered to return to duty.
You are not covered for
1) the first £50 of each and every incident per each insured person involved in the incident (£15 for loss of deposit claims only);
2) claims where a medical certificate has not been obtained from a medical practitioner, confirming that cancellation of the trip is medically necessary;
3) claims arising from pregnancy, where, at the point of checking in for or boarding your flight, you fail to comply with the airline's conveyance of pregnant women policy;
4) anything caused directly or indirectly by:
a) any increased charges which may arise due to failure to notify your travel agent or tour operator immediately it is found necessary to cancel;
b) prohibitive regulations by the Government of any country;
5) claims where a theft of passport has not been reported to the necessary authorities, including but not limited to, the Police and UK Passport Service (UKPS);
6) claims for air passenger duty (which can be reclaimed by you through your travel agent or airline);
7) you undertaking a trip when travelling by air or sea if at the start of your trip, during your trip or on your return date, you are more than 36 weeks and 6 days pregnant for a single pregnancy, or more than 32 weeks and 6 days for a multiple pregnancy;
8) anything mentioned in the General Exclusions.
Section 2 - Curtailment
Curtailment is only applicable id you return to your home country earlier than planned.
This section includes the services of FirstAssist Emergency Service (details shown on page 4) who must be contacted immediately in the event of a serious injury, illness or hospitalisation, where repatriation has to be considered.
You are covered
Up to £5,000 (If you have declared a pre-existing medical condition the Standard Cover limit is £1,000 unless you have purchased Cancellation Top Up Cover up to a maximum of £5,000) for:
1) The value of the portion of your travel and/or accommodation arrangements which have not been used and which were paid for before your departure from your home country, in respect of winter sports trips where the appropriate premium has been paid), if you, and where appropriate a companion covered by this policy, have to curtail your trip and return to your home earlier than planned due to:
a) the death, severe injury or serious illness of:
i) you or any person you are travelling with;
ii) an immediate relative of yours resident in the United Kingdom;
iii) a close business associate of yours resident in your home country.
b) your home being made uninhabitable or place of business being made unusable due to fire, lightning, explosion, earthquake, subsidence, storm, flood, falling trees, riot or civil commotion, malicious damage, burst pipes, impact by aircraft, the police requesting your presence following burglary or attempted burglary at your home or place of business;
c) you being unable to continue your trip, as detailed in your travel itinerary, due to loss or theft of your passport, or that of any person you are travelling with.
These proportionate values of costs will be calculated from the date of return to your home country.
2) Reasonable additional travelling expenses incurred by you for returning to your home country (economy class) earlier than planned fro a reason stated in benefit 1 of this section.
3) your carer (who is insured on this policy) having to cancel their journey with you due to one of the reasons stated above. If you wish to continue your journey, we will pay up to £1,000 in total for the costs of extra accommodation and transport to replace your original carer;
4) you, an immediate relative of yours or any person you are travelling with, is a member of the Armed Forces, emergency services or administrative government employees and are ordered to return to duty.
You are not covered for
1) the first £50 of each and every incident per each insured person involved in the incident;
2) claims that are not confirmed as medically necessary by the FirstAssist Emergency Service and where a medical certificate has not been obtained from the attending medical practitioner abroad confirming it necessary to curtail the trip;
3) additional travelling expenses incurred which are not authorised either by us or FirstAssist Emergency Service.
4) claims where a theft of passport has not been reported to the necessary authorities, and a written report obtained;
5) you undertaking a trip when travelling by air or sea if at the start of your trip, during your trip or on your return date, you are more than 36 weeks and 6 days pregnant for a single pregnancy, or more than 32 weeks and 6 days for a multiple pregnancy;
6) anything mentioned in the General Exclusions.
NOTE - The FirstAssist Emergency Service only assists early return home for medical reasons, not for the other reasons listed under this section of the policy.

Section 3 - Missed Departure
This section does not apply to trips within your home country (except for trips to the Channel Islands).
You are covered
Up to £750 for necessary hotel and travelling expenses incurred in reaching your booked destination, if the car you are travelling in breaks down or is involved in an accident or the public transport being used us delayed, resulting in you arriving too late to commence your booked journey from or to your home country.
You are not covered
1) if sufficient time has not been allowed for your journey in order to meet the check-in time specified by the transport providers or agent;
2) if you are not proceeding directly to the departure point;
3) unless you get a letter from the public transport provider confirming that the service did not run on time;
4) unless you get confirmation of the delay from the authority who went to the accident or breakdown effecting the car you were travelling in;
5) for any delay caused by a riot, civil commotion, strike or industrial action which began or was announced before the start date of your policy and the date your travel tickets or confirmation of booking were issued;
6) for anything mentioned in the General Exclusions.

Section 4 - Travel Delay
This section does not apply to trips within your home country (except for trips to the Channel Islands).
You are covered
1) For a benefit of £20 for the first full 12 hours you are delayed and £10 for each full 12 hours you are delayed after that, up to a maximum of £100 (regardless of the number of incidents of delay) or
2) up to the amount under the cancellation section of this policy (less £50 excess) if you abandon the trip (on the outward journey only) after the first full 12 hours;
If your outward or return flights, sea crossing, coach or train departure to or from your home country, are delayed for more than 12 hours beyond the intended departure time (as specified on your travel ticket) as a result of:
a) strike or industrial action (provided that when this policy was taken out, there was no reasonable expectation that the trip would be affected by such cause);
b) adverse weather conditions;
c) mechanical breakdown or technical faulty of the aircraft, coach, train or sea vessel.
You are not covered
1) for the first £50 of each and every incident per each insured person involved in the incident (this is only applicable if you abandon the trip);
2) if you do not check-in for the flights, sea crossing, coach or train departure before the intended departure time;
3) if you do not obtain written confirmation from the airline, shipping, coach or train company stating the period and the reason for the delay;
4) for any claims arising from withdrawal from service temporarily or otherwise of the aircraft, coach, train or sea vessel on the orders or recommendation of the Civil Aviation Authority or a Port Authority or similar body in any Country;
5) for anything mentioned in the General Exclusions.
NOTE - This section only applies for delays at your final international departure point to or from your home country.

Section 4 - Travel Delay
This section does not apply to trips within your home country (except for trips to the Channel Islands).
You are covered
1) For a benefit of £20 for the first full 12 hours you are delayed and £10 for each full 12 hours you are delayed after that, up to a maximum of £100 (regardless of the number of incidents of delay) or
2) up to the amount under the cancellation section of this policy (less £50 excess) if you abandon the trip (on the outward journey only) after the first full 12 hours;
If your outward or return flights, sea crossing, coach or train departure to or from your home country, are delayed for more than 12 hours beyond the intended departure time (as specified on your travel ticket) as a result of:
a) strike or industrial action (provided that when this policy was taken out, there was no reasonable expectation that the trip would be affected by such cause);
b) adverse weather conditions;
c) mechanical breakdown or technical faulty of the aircraft, coach, train or sea vessel.
You are not covered
1) for the first £50 of each and every incident per each insured person involved in the incident (this is only applicable if you abandon the trip);
2) if you do not check-in for the flights, sea crossing, coach or train departure before the intended departure time;
3) if you do not obtain written confirmation from the airline, shipping, coach or train company stating the period and the reason for the delay;
4) for any claims arising from withdrawal from service temporarily or otherwise of the aircraft, coach, train or sea vessel on the orders or recommendation of the Civil Aviation Authority or a Port Authority or similar body in any Country;
5) for anything mentioned in the General Exclusions.
NOTE - This section only applies for delays at your final international departure point to or from your home country.

Section 8 - Personal Public Liability
You are covered
Up to a maximum of £2,000,000 for your legal expenses and legal liability for damages which were caused by an accident that happened during the trip, and leads to a claim made against you for:
1) accidental bodily injury to a person who is not a member of your family, household or employed by you;
2) loss of or damage to any property which does not belong to, is not in the charge or control of you, or any member of your family, household or employee;
3) damage to your temporary holiday accommodation that does not belong to you, or any member of your family, household or employee.
You are not covered for
1) fines imposed by a Court of Law or other relevant bodies;
2) anything caused directly or indirectly by:
a) liability which you are responsible for, because of an agreement that was made;
b) injury, loss or damage arising from:
i) ownership or use of aircraft, horse-drawn or mechanical/motorised vehicles, bicycles, vessels (other than rowing boats, punts or canoes), animals (other than horses, domestic dogs or cats), or firearms (other than guns being used for sport);
ii) the occupation (except temporarily for the purpose of the trip) or ownership of any land or buildings;
iii) the carrying our of any trade or profession;
iv) racing of any kind;
v) any deliberate act;
c) liability covered under any other insurance policy;
3) anything mentioned in the General Exclusions.
NOTE - If you are using a mechanical/motorised vehicle, make sure that you are adequately insured for third party cover, as you are not covered under this insurance.

General Exclusions
You are not covered for
Anything directly or indirectly caused by:
1) your suicide, deliberately injuring yourself, being under the influence of drink or drugs (unless prescribed by a doctor), alcoholism or other alcohol related illnesses, drug addiction, solvent abuse, self-exposure to needless danger (unless you are trying to save someone's life);
2) you being compulsorily detained as a psychiatric patient in a hospital or other medical facility. (This exclusion applies in all cases whether the premium has been paid to cover a pre-existing condition or not;
3) professional or organised sports, winter sports (unless the appropriate premium has been paid), racing, speed or endurance tests, scuba diving to a depth greater than 30 metres, scuba diving without a qualified instructor, or dangerous pursuits;
4) air travel (other than as a fare-paying passenger on a regular scheduled airline or licenced charter aircraft);
5) air travel within 24 hours of scuba diving;
6) bankruptcy/liquidation of any tour operator, travel agent or transportation company;
7) any other loss connected to the event you are claiming for, unless we provide cover under this insurance;
8) loss or damage to any property and expenses of legal liability; directly or indirectly caused by or contributed to by or arising from:
a) ionising radiations or radioactive contamination from any nuclear fuel or nuclear waste which results in burning of nuclear fuel;
b) the radioactive, toxic, explosive or other dangerous properties of nuclear machinery or any part of it;
c) pressure waves from aircraft and other flying objects travelling faster than the speed of sound.
9) a) war, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, civil commotion or uprising, blockade, military or usurped power;
b) any act of terrorism not involving the use or release of or threat thereof any nuclear weapon or any chemical or biological agents:
i) this exclusion will not apply to Section 5 - Personal Accident or Section 6 - Medical Emergency Expenses provided that the insured person suffering personal accident injury or illess has not participated in or conspired in such activities,
ii) provided also that in the event of benefit being payable the maximum payable in respect of any one claim or series of claims arising from a single act of terrorism or series of acts of terrorism occurring within a 72 hour period of £2,500,000 in the aggregate.
c) any act of terrorism involving the use or release of or threat thereof any nuclear weapon or any chemical or biological agents:
Any act of terrorism means an act, including but not limited to the use of force or violence and/or threat, of any person or group(s) of person(s), whether they are acting alone or on behalf of or in connection with any organisation(s) or government(s), committed for political, religious, ideological or similar purpose including the intention to influence any government and/or to put the public, or any section of the public at fear;
d) any loss, damage, cost or expenses of any nature that results from or is in connection with anything mentioned in a), b) or c) above regardless of any other cause or event or sequence of events or any action taken in controlling, preventing or suppressing anything mentioned in a), b) or c) above;
You are responsible for proving why this Exclusion, in whole or in part, should not be applied. If any portion of this Exclusion is found to be invalid or unenforceable, the remainder of it will remain in force and effect;
10) you riding on a motorcycle, Quad bike or any mechanically assisted cycle with an engine capacity in excess of 125cc and in any event if you fail to wear a crash helmet;
11) you driving a motor vehicle or riding a motorcycle, quad bike or any mechanically assisted cycle without an appropriate licence or when not insured under a motor insurance policy;
12) the cost of any elective (non-emergency) treatment or surgery, including exploratory tests, which are not directly related to the illness or injury which necessitated your admittance into hospital;
13) mountaineering or rock climbing, ordinarily necessitating the use of picks, ropes or guides, or pot-holing;
14) your manual work or hazardous occupation of any kind;
15) taking part in dangerous expeditions or the crewing of a vessel outside European waters;
16) any payment which you would normally have made during your travels, if nothing had gone wrong;
17) failure of any computer hardware or software or other electrical equipment to recognise or process any date as the true calendar date (this exclusion does not apply to claims made under Section 5 - Personal Accident, Section 6 - Medical Emergency Expenses);
18) off-piste skiing except whilst under the supervision of a qualified guide/instructor;
19) ski jumping, mono skiing, ice hockey, the use of skeletons or bobsleighs;
20) ski or ski bob racing in Internation and National events and their heats and officially organised practice or training for these events;
21) your travel to a country or specific area or event to which the Travel Advice Unit of the Foreign and Commonwealth Office or the World Health Organisation has advised the public not to travel.

General Exclusions
You are not covered for
Anything directly or indirectly caused by:
9) a) war, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, civil commotion or uprising, blockade, military or usurped power;
b) any act of terrorism not involving the use or release of or threat thereof any nuclear weapon or any chemical or biological agents:
i) this exclusion will not apply to Section 5 - Personal Accident or Section 6 - Medical Emergency Expenses provided that the insured person suffering personal accident injury or illess has not participated in or conspired in such activities,
ii) provided also that in the event of benefit being payable the maximum payable in respect of any one claim or series of claims arising from a single act of terrorism or series of acts of terrorism occurring within a 72 hour period of £2,500,000 in the aggregate.
c) any act of terrorism involving the use or release of or threat thereof any nuclear weapon or any chemical or biological agents:
Any act of terrorism means an act, including but not limited to the use of force or violence and/or threat, of any person or group(s) of person(s), whether they are acting alone or on behalf of or in connection with any organisation(s) or government(s), committed for political, religious, ideological or similar purpose including the intention to influence any government and/or to put the public, or any section of the public at fear;
d) any loss, damage, cost or expenses of any nature that results from or is in connection with anything mentioned in a), b) or c) above regardless of any other cause or event or sequence of events or any action taken in controlling, preventing or suppressing anything mentioned in a), b) or c) above;
You are responsible for proving why this Exclusion, in whole or in part, should not be applied. If any portion of this Exclusion is found to be invalid or unenforceable, the remainder of it will remain in force and effect

General Exclusions
You are not covered for
Anything directly or indirectly caused by:
9) a) war, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, civil commotion or uprising, blockade, military or usurped power;
b) any act of terrorism not involving the use or release of or threat thereof any nuclear weapon or any chemical or biological agents:
i) this exclusion will not apply to Section 5 - Personal Accident or Section 6 - Medical Emergency Expenses provided that the insured person suffering personal accident injury or illess has not participated in or conspired in such activities,
ii) provided also that in the event of benefit being payable the maximum payable in respect of any one claim or series of claims arising from a single act of terrorism or series of acts of terrorism occurring within a 72 hour period of £2,500,000 in the aggregate.
c) any act of terrorism involving the use or release of or threat thereof any nuclear weapon or any chemical or biological agents:
Any act of terrorism means an act, including but not limited to the use of force or violence and/or threat, of any person or group(s) of person(s), whether they are acting alone or on behalf of or in connection with any organisation(s) or government(s), committed for political, religious, ideological or similar purpose including the intention to influence any government and/or to put the public, or any section of the public at fear;
d) any loss, damage, cost or expenses of any nature that results from or is in connection with anything mentioned in a), b) or c) above regardless of any other cause or event or sequence of events or any action taken in controlling, preventing or suppressing anything mentioned in a), b) or c) above;
You are responsible for proving why this Exclusion, in whole or in part, should not be applied. If any portion of this Exclusion is found to be invalid or unenforceable, the remainder of it will remain in force and effect

General Exclusions
- the inability of; any equipment or any computer programme to recognise, interpret correctly or process any date as its true calendar date or to continue to function correctly beyond that date.

Conditions
1. No payment will be made under Sections 1, 2, 5, 6, 9, 11 and 15 without appropriate medical certification.
2. If we require any medical certificates, information, evidence and receipts, these must be obtained by you at your expense.
3. In the event of a claim, if we require a medical examination you must agree to this and in the event of death we are entitled to a post mortem examination both at our expense.
4. You must take all reasonable steps to recover any lost of stolen articles.
5. If any claim is found to be fraudulent in any way this policy will not apply and all claims will be forfeited.
6. The original Policy Schedule must be produced before any claim is paid.
7. You must not make any payment, admit liability, offer o promise to make any payment without written consent from us.
8. We are entitled to take over any rights in the defence or settlement of any claim and to take proceedings in your name for our benefit against any other party.
9. We may at anay time pay to you our full liability under the policy after which no further payments will be made in any respect.
10. It is a condition of this insurance that all material facts have been disclosed to us, failure to do so may invalidate this insurance leaving you with no right to make a claim.
11. If at the time of making a claim there is any other policy covering the same risk we are entitled to contact that insurer for a contribution.
12. A person or company who is not a party to this policy has no right under the Contracts (Rights of Third Parties) Act 1999 to enforce any term of this policy but does not affect any right or remedy of a third party which exists or is available apart from that Act.

Reciprocal health agreements
If You intend travelling to European Union (EU) countries, the European Economic Area (EEA) or Switzerland We would advise You to obtain a Form CM1 from Your local main Post Office. On returning this, duly completed, to the main Post Office You will be issued with a European Health Insurance Card (EHIC), which will entitle You to certain free or reduced cost health arrangements in the EU, EEA or Switzerland. (Full details are given in the DSS Leaflet No. T7 - Health Advice for Travellers.)
Please note: For claims under Section 2 (Medical Emergency & Repatriation) or Section 3 (Emergency Dental Treatment), no Policy Excess will apply when You receive inpatient treatment (where medically necessary) at a state hospital within the EU, EEA or Switzerland if You have used the European Health Insurance Card to effectively reduce the cost of Your treatment or medicines.