Right Cover Single Trip - Plan B

Personal Travel insurance arranged by Right cover Travel Insurance with UK Underwriting Limited on behalf of:
Primary Insurance Company Limited, an insurance company established in Ireland and authorised and licensed by the Irish Financial Services Regulatory Authority. Registered in The Republic of Ireland, registration number E0340407, registered office 43 St Stephen's Green, First Floor, Fitzwilton House, Wilton Place, dublin 2, Ireland. Indemnity Insurance Limited. registered in England with companies House, registration number 02445040,registered office Churchill Court, Westmoreland Road, Bromley, Kent, BR1 1DP.
CPU Insurance plc trading as Norwich Union. Registered in Scotland No 2116. Registered Office Pitheavlis, Perth, Scotland, PH2 0NH. An Aviva company. UK Underwriting Limited, Indemnity Insurance Limited and CPU Insurance plc trading as Norwich Union are authorised and regulated by the Financial Services Authority. This can be checked on the FSA's register by bisiting the FSA's website at www.fsa.gov.uk/register or by contacting them on 0845 606 1234

Section 1. Overseas medical and repatriation
If during the Period of Insurance You suffer a Disabling Injury, Sickness or Disease We will pay the usual and customary cost of emergency medical, surgical and hospital treatment and ambulance transportation which is provided outside the UK by or on the advice of a qualified medical practitioner.
If You are admitted to hospital, You must contact the emergency assistance team immediately. On medical advice and if authorised by the emergency assistance service, We will also pay:
1 reasonable costs to return You to the UK.
2 reasonable Additional Accommodation and Transportation expenses for Your travel companion to stay with You and travel home with You.
3 reasonable Additional Accommodation and Transportation expenses for a Relative or friend to travel from the UK to stay with You and travel home with You.
We will not cover the following:
1 See Section 3, We will not cover the following under sections 1,2 and 3.
Section 2. Overseas dental
We will pay You for emergency dental treatment to immediately relieve sudden acute pain during Your Period of Insurance which is provided outside the UK by or on the advice of a qualified medical practitioner.
We will not cover the following:
1 See Section 3, We will not cover the following under sections 1,2 and 3.
Section 3. Funeral expenses
We will pay reasonable overseas funeral or cremation expenses or the cost of returning Your remains to the UK if You die during the Period of Insurance.
We will not cover the following under Sections 1, 2 and 3.
1 Expenses for any treatment or surgery which the emergency assistance service think is not immediately necessary and can wait until You return home to the UK.
2 Any expenses for treatment or surgery carried out more than 12 months after the date of the incident which You are claiming for.
3 The extra cost of single or private-room accommodation unless it is medically necessary.
4 Expenses for any treatment or medication of any kind that You receive in the UK.
5 Any claim arising for costs, if You are travelling to Australia or New Zealand and You do not register for treatment under the national Medicare scheme of those countries.
6 Any extra costs after the time when, in Our medical advisor's opinion, You are fit to be relocated to another hospital, country or returned to the UK. If You refuse to be repatriated all cover under the policy will cease.
7 Any additional costs or expenses to return or repatriate You to the UK if You did not have a return ticket or if You had a one way ticket to a nearer destination.
8 Continuation of treatment (including medication) started prior to Your Trip.
9 The cost of any routine or elective (non-emergency) treatment or surgery, including specialist review or referral, exploratory tests which are not directly related to the Disabling Injury, Sickness or Disease which necessitated Your admittance to hospital or the need to seek medical treatment.
10 For the cost of any up-grades from economy class travel, unless Our medical advisors agree this is medically necessary.
11 Dental treatment which is not for the purpose of relieving immediate sudden acute pain.
12 The medical or dental expenses claimed if You have not got an original medical or dental report from the qualified medical practitioner who treated You.
13 Any claim for dentures, dental appliances such as mouthguards and retainers, bridgework, corneal lenses, spectacles, sunglasses or artificial limbs or hearing aids.
Note: Please refer to general conditions for important information regarding emergency assistance.

Section 16. Personal accident and death
If during the Period of Insurance You are involved in an Accident which causes You an injury which results (within 12 months of the date of the Accident) in:
1 permanent Total Disability; or
2 permanent complete loss of a leg or foot; or
3 permanent complete loss of use of an arm or hand; or
4 Your death.
In the event of Your death the amount We will pay is £5,000. We will not pay more than £1,000 for children aged under 16 years.
In the other circumstances listed above (1-3) We will pay You the amount shown on Your Certificate of Insurance for the plan purchased.
Note:
We will not pay more than one lump sum under this section.
We will not cover the following:
1 The contracting of any disease, illness and/or medical condition.
2 The injection or ingestion of any substance.
3 Any event which directly or indirectly exacerbates a previously existing physical bodily condition.
4 Any claims resulting from hazardous activities, manual labour, motorcycling or quad biking.
5 The benefit payable will be reduced by 50% in respect of any claim arising whilst You are participating in any activity listed in category 2, 3 or 4 under the heading Acceptable Activities.
6 Any claim if at the date of the accident You are over the statutory retirement age and not in full-time employment.

Section 4. Hospital stay
We will pay You £10 for each complete 24 hour period You are confined to a hospital outside the UK as a result of a Disabling Sickness, Injury or Disease covered under Section 1 occurring during the Period of Insurance to help You pay for extra expenses such as taxi fares and phone calls.

Section 2. Overseas dental
We will pay You for emergency dental treatment to immediately relieve sudden acute pain during Your Period of Insurance which is provided outside the UK by or on the advice of a qualified medical practitioner.
We will not cover the following:
1 See Section 3, We will not cover the following under sections 1,2 and 3.
We will not cover the following under Sections 1, 2 and 3.
1 Expenses for any treatment or surgery which the emergency assistance service think is not immediately necessary and can wait until You return home to the UK.
2 Any expenses for treatment or surgery carried out more than 12 months after the date of the incident which You are claiming for.
3 The extra cost of single or private-room accommodation unless it is medically necessary.
4 Expenses for any treatment or medication of any kind that You receive in the UK.
5 Any claim arising for costs, if You are travelling to Australia or New Zealand and You do not register for treatment under the national Medicare scheme of those countries.
6 Any extra costs after the time when, in Our medical advisors opinion, You are fit to be relocated to another hospital, country or returned to the UK. If You refuse to be repatriated all cover under the policy will cease.
7 Any additional costs or expenses to return or repatriate You to the UK if You did not have a return ticket or if You had a one way ticket to a nearer destination.
8 Continuation of treatment (including medication) started prior to Your Trip.
9 The cost of any routine or elective (non-emergency) treatment or surgery, including specialist review or referral, exploratory tests which are not directly related to the Disabling Injury, Sickness or Disease which necessitated Your admittance to hospital or the need to seek medical treatment.
10 For the cost of any up-grades from economy class travel, unless Our medical advisors agree this is medically necessary.
11 Dental treatment which is not for the purpose of relieving immediate sudden acute pain.
12 The medical or dental expenses claimed if You have not got an original medical or dental report from the qualified medical practitioner who treated You.
13 Any claim for dentures, dental appliances such as mouthguards and retainers, bridgework, corneal lenses, spectacles, sunglasses or artificial limbs or hearing aids.
Note: Please refer to general conditions for important information regarding emergency assistance.

Section 3. Funeral expenses
We will pay reasonable overseas funeral or cremation expenses or the cost of returning Your remains to the UK if You die during the Period of Insurance.
We will not cover the following under Sections 1, 2 and 3.
1 Expenses for any treatment or surgery which the emergency assistance service think is not immediately necessary and can wait until You return home to the UK.
2 Any expenses for treatment or surgery carried out more than 12 months after the date of the incident which You are claiming for.
3 The extra cost of single or private-room accommodation unless it is medically necessary.
4 Expenses for any treatment or medication of any kind that You receive in the UK.
5 Any claim arising for costs, if You are travelling to Australia or New Zealand and You do not register for treatment under the national Medicare scheme of those countries.
6 Any extra costs after the time when, in Our medical advisor's opinion, You are fit to be relocated to another hospital, country or returned to the UK. If You refuse to be repatriated all cover under the policy will cease.
7 Any additional costs or expenses to return or repatriate You to the UK if You did not have a return ticket or if You had a one way ticket to a nearer destination.
8 Continuation of treatment (including medication) started prior to Your Trip.
9 The cost of any routine or elective (non-emergency) treatment or surgery, including specialist review or referral, exploratory tests which are not directly related to the Disabling Injury, Sickness or Disease which necessitated Your admittance to hospital or the need to seek medical treatment.
10 For the cost of any up-grades from economy class travel, unless Our medical advisors agree this is medically necessary.
11 Dental treatment which is not for the purpose of relieving immediate sudden acute pain.
12 The medical or dental expenses claimed if You have not got an original medical or dental report from the qualified medical practitioner who treated You.
13 Any claim for dentures, dental appliances such as mouthguards and retainers, bridgework, corneal lenses, spectacles, sunglasses or artificial limbs or hearing aids.
Note: Please refer to general conditions for important information regarding emergency assistance.

Section 3. Funeral expenses
We will pay reasonable overseas funeral or cremation expenses or the cost of returning Your remains to the UK if You die during the Period of Insurance.
We will not cover the following under Sections 1, 2 and 3.
1 Expenses for any treatment or surgery which the emergency assistance service think is not immediately necessary and can wait until You return home to the UK.
2 Any expenses for treatment or surgery carried out more than 12 months after the date of the incident which You are claiming for.
3 The extra cost of single or private-room accommodation unless it is medically necessary.
4 Expenses for any treatment or medication of any kind that You receive in the UK.
5 Any claim arising for costs, if You are travelling to Australia or New Zealand and You do not register for treatment under the national Medicare scheme of those countries.
6 Any extra costs after the time when, in Our medical advisor's opinion, You are fit to be relocated to another hospital, country or returned to the UK. If You refuse to be repatriated all cover under the policy will cease.
7 Any additional costs or expenses to return or repatriate You to the UK if You did not have a return ticket or if You had a one way ticket to a nearer destination.
8 Continuation of treatment (including medication) started prior to Your Trip.
9 The cost of any routine or elective (non-emergency) treatment or surgery, including specialist review or referral, exploratory tests which are not directly related to the Disabling Injury, Sickness or Disease which necessitated Your admittance to hospital or the need to seek medical treatment.
10 For the cost of any up-grades from economy class travel, unless Our medical advisors agree this is medically necessary.
11 Dental treatment which is not for the purpose of relieving immediate sudden acute pain.
12 The medical or dental expenses claimed if You have not got an original medical or dental report from the qualified medical practitioner who treated You.
13 Any claim for dentures, dental appliances such as mouthguards and retainers, bridgework, corneal lenses, spectacles, sunglasses or artificial limbs or hearing aids.
Note: Please refer to general conditions for important information regarding emergency assistance.

Section 18. Legal expenses
We will pay up to the limit shown on Your Certificate of Insurance for legal costs and expenses arising as a result of dealing with claims for compensation and damages resulting from Your death, illness or injury during Your Trip. We will have complete control over any legal representatives appointed and any proceedings.
You must follow Our advice or that of Our agents in handling any claim and where possible, You must recover all of Our expenses.
You must pay Us any expenses You do get back.
We will not cover the following:
1 Any claim where We or Our legal representatives believe that an action is not likely to be successful or if We believe that the costs of taking the action will be greater than any award.
2 The costs of making any claim against Us, Our agents or representatives or against any tour operator, carrier or any person with whom You have travelled or arranged to travel.
3 Any costs or expenses which are based directly or indirectly on the amount of any award.
4 The costs of following up a claim for bodily injury, loss or damage caused by or in connection with Your trade, profession or business, under contract or arising out of You possessing, using or living on any land or in any buildings.
5 Any claims arising directly or indirectly from or due to ownership, possession or use of any motorised or mechanical vehicles including attached trailers or caravans, any aircraft (whatsoever), any watercraft or vessel (other than manually propelled) or any form of motorised leisure equipment, animals, firearms or weapons.
6 Any claims arising out of Your criminal, malicious or deliberate acts.
7 Any costs incurred without Our written approval.
8 Any cost related to or in connection with pursuing claims for a group or organisation.
9 Any claims against Your travelling companions, a member of Your family or household or a person You employ.
10 Any claims for legal costs where You are pursuing legal action relating directly or indirectly to medical negligence or alleged medical negligence.

Section 12. Passport and travel documents
We will pay for the cost of replacing Your passport, travel tickets, Green Cards and admission tickets if lost or stolen during the Period of Insurance.
We will not cover the following:
1 Loss or theft which is not reported to the police within 24 hours. All reports must be confirmed in writing by the police at the time of making the report.
2 Claims for reimbursement unless original receipts for the replacement of the documents are provided to Us.
3 Passports and travel documents left unattended in any motor vehicle at any time (even in the boot/concealed).
4 Passports and travel documents whilst in the custody of the airline or any other carrier.

Section 14. Mugging
If You suffer an injury and go into hospital as an in-patient as a result of a mugging attack We will pay You the amount shown on Your Certificate of Insurance. You must report the incident to the police within 12 hours and get a police report.

Section 15. Hijacking
We will pay up to £250 for each full 24 hour period if the prebooked aircraft or sea vessel in which You are travelling is hijacked provided You provide Us with a written report from the police confirming the hijack and how long it lasted.

Section 23. Personal Ski Equipment and ski hire
We will pay:
1 for loss of personal Ski Equipment;
2 £15 for each complete 24 hour period for hire or replacement Equipment due to the loss of or damage to Your personal Ski Equipment;
3 for loss of use of the ski pack consisting of lift pass, skis, snowboards, boots and bindings, either purchased or hired in the event that skiing or snowboarding is not possible for the duration of the Trip.
We will deduct reasonable depreciation from the amount We pay You. Our liability for Ski Equipment hired by You is further limited to Your liability for such loss or damage.
We will not cover the following:
1 Damage to Your skis where You do not bring them back to the UK so that they can be inspected.
2 Loss which You do not report to the police within 24 hours of discovering such loss and for which You have not obtained a written acknowledgement.
3 Loss arising from theft, delay, loss or damage to skis while they are transported unless You report this immediately to the carrier and obtain a Property Irregularity Report.
4 Loss due to seizure or confiscation of Ski Equipment by authorities.
5 Loss or theft where the Ski Equipment is left Unattended in a Public Place, or in the custody of someone without official responsibility for it's safekeeping.

Section 23. Personal Ski Equipment and ski hire
We will pay:
1 for loss of personal Ski Equipment;
2 £15 for each complete 24 hour period for hire or replacement Equipment due to the loss of or damage to Your personal Ski Equipment;
3 for loss of use of the ski pack consisting of lift pass, skis, snowboards, boots and bindings, either purchased or hired in the event that skiing or snowboarding is not possible for the duration of the Trip.
We will deduct reasonable depreciation from the amount We pay You. Our liability for Ski Equipment hired by You is further limited to Your liability for such loss or damage.
We will not cover the following:
1 Damage to Your skis where You do not bring them back to the UK so that they can be inspected.
2 Loss which You do not report to the police within 24 hours of discovering such loss and for which You have not obtained a written acknowledgement.
3 Loss arising from theft, delay, loss or damage to skis while they are transported unless You report this immediately to the carrier and obtain a Property Irregularity Report.
4 Loss due to seizure or confiscation of Ski Equipment by authorities.
5 Loss or theft where the Ski Equipment is left Unattended in a Public Place, or in the custody of someone without official responsibility for it's safekeeping.

Section 23. Personal Ski Equipment and ski hire
We will pay:
1 for loss of personal Ski Equipment;
2 £15 for each complete 24 hour period for hire or replacement Equipment due to the loss of or damage to Your personal Ski Equipment;
3 for loss of use of the ski pack consisting of lift pass, skis, snowboards, boots and bindings, either purchased or hired in the event that skiing or snowboarding is not possible for the duration of the Trip.
We will deduct reasonable depreciation from the amount We pay You. Our liability for Ski Equipment hired by You is further limited to Your liability for such loss or damage.
We will not cover the following:
1 Damage to Your skis where You do not bring them back to the UK so that they can be inspected.
2 Loss which You do not report to the police within 24 hours of discovering such loss and for which You have not obtained a written acknowledgement.
3 Loss arising from theft, delay, loss or damage to skis while they are transported unless You report this immediately to the carrier and obtain a Property Irregularity Report.
4 Loss due to seizure or confiscation of Ski Equipment by authorities.
5 Loss or theft where the Ski Equipment is left Unattended in a Public Place, or in the custody of someone without official responsibility for it's safekeeping.

Section 21. Piste closure
Available only during the months of December to April inclusive in the Northern Hemisphere and during the local regional ski season in the Southern Hemisphere. We will pay if the pistes are closed, as a result of inadequate snow in Your prebooked resort, £20 for each complete 24 hour period whilst You are unable to ski or snowboard.
You must obtain written confirmation from resort authorities or ski lift operators for the period that no skiing was available due to closure of lifts. You must also submit original receipts for travel and ski pass costs for which You wish to claim.

Section 21. Piste closure
Available only during the months of December to April inclusive in the Northern Hemisphere and during the local regional ski season in the Southern Hemisphere. We will pay if the pistes are closed, as a result of inadequate snow in Your prebooked resort, £20 for each complete 24 hour period whilst You are unable to ski or snowboard.
You must obtain written confirmation from resort authorities or ski lift operators for the period that no skiing was available due to closure of lifts. You must also submit original receipts for travel and ski pass costs for which You wish to claim.

Section 21. Piste closure
Available only during the months of December to April inclusive in the Northern Hemisphere and during the local regional ski season in the Southern Hemisphere. We will pay if the pistes are closed, as a result of inadequate snow in Your prebooked resort, £20 for each complete 24 hour period whilst You are unable to ski or snowboard.
You must obtain written confirmation from resort authorities or ski lift operators for the period that no skiing was available due to closure of lifts. You must also submit original receipts for travel and ski pass costs for which You wish to claim.

Section 22. Avalanche cover
We will pay reasonable and necessary Additional Accommodation and Transportation expenses that You incur if Your pre-booked return trip is delayed for more than 12 hours from the scheduled time of arrival or departure shown on Your itinerary due to an avalanche.

Section 23. Personal Ski Equipment and ski hire
We will pay:
1 for loss of personal Ski Equipment;
2 £15 for each complete 24 hour period for hire or replacement Equipment due to the loss of or damage to Your personal Ski Equipment;
3 for loss of use of the ski pack consisting of lift pass, skis, snowboards, boots and bindings, either purchased or hired in the event that skiing or snowboarding is not possible for the duration of the Trip.
We will deduct reasonable depreciation from the amount We pay You. Our liability for Ski Equipment hired by You is further limited to Your liability for such loss or damage.
We will not cover the following:
1 Damage to Your skis where You do not bring them back to the UK so that they can be inspected.
2 Loss which You do not report to the police within 24 hours of discovering such loss and for which You have not obtained a written acknowledgement.
3 Loss arising from theft, delay, loss or damage to skis while they are transported unless You report this immediately to the carrier and obtain a Property Irregularity Report.
4 Loss due to seizure or confiscation of Ski Equipment by authorities.
5 Loss or theft where the Ski Equipment is left Unattended in a Public Place, or in the custody of someone without official responsibility for it's safekeeping.

Section 23. Personal Ski Equipment and ski hire
We will pay:
1 for loss of personal Ski Equipment;
2 £15 for each complete 24 hour period for hire or replacement Equipment due to the loss of or damage to Your personal Ski Equipment;
3 for loss of use of the ski pack consisting of lift pass, skis, snowboards, boots and bindings, either purchased or hired in the event that skiing or snowboarding is not possible for the duration of the Trip.
We will deduct reasonable depreciation from the amount We pay You. Our liability for Ski Equipment hired by You is further limited to Your liability for such loss or damage.
We will not cover the following:
1 Damage to Your skis where You do not bring them back to the UK so that they can be inspected.
2 Loss which You do not report to the police within 24 hours of discovering such loss and for which You have not obtained a written acknowledgement.
3 Loss arising from theft, delay, loss or damage to skis while they are transported unless You report this immediately to the carrier and obtain a Property Irregularity Report.
4 Loss due to seizure or confiscation of Ski Equipment by authorities.
5 Loss or theft where the Ski Equipment is left Unattended in a Public Place, or in the custody of someone without official responsibility for it's safekeeping.

Winter sports
If You wish to be covered for these activities during your journey on a Single Trip, you must pay an extra premium. If you take an Annual Multi Trip policy, 17 days cover for Winter Sports is included free of charge and any additional days must be paid for. Please refer to the Policy definition of "Winter Sports" to see which activities are included. Even if You have included Winter Sports cover on your policy You will only be covered if You are skiing or snowboarding on-piste, You are not racing, You are not participating in a professional capacity, You do not go in areas designated as unsafe by resort management or where there is an
avalanche warning in place.

Section 9. Luggage
If during the Period of Insurance Your luggage or Personal Effects are lost, stolen or damaged We will replace, repair or pay You the value in cash of the luggage / Personal Effects. It is Our choice which one of these We do. If We pay You the value in cash, We will deduct reasonable depreciation from the amount We pay You ('new for old' settlement does not apply).
Our payment will not exceed the original purchase price of an item. Nor will Our payment exceed the Valuables item limit (for Valuables) or the Single item limit (for other items) shown on Your Certificate of Insurance for any one item, set or pair of items including attached or unattached accessories.
We will not cover the following:
1 Any claim for loss or theft which is not reported to the police or responsible Transport Provider within 24 hours. All reports must be confirmed in writing by the police or Transport Provider at the time of making the report.
2 Any claim for loss, theft or damage to Your luggage or Personal Effects whilst in the custody of Transport Provider if You have not notified the carrier within 24 hours and obtained a Property Irregularity Report (P.I.R.) or an official report.
3 Damage to fragile or brittle articles unless caused by a fire.
4 Sports equipment whilst in use.
5 Any Winter Sports equipment, Golf Equipment, Business Equipment, Computer Equipment, mechanically propelled vehicles, pedal cycles, surfboards or waterborne craft of any description.
6 Any claim for dentures, dental appliances such as mouthguards and retainers, bridgework, corneal lenses, spectacles, sunglasses or artificial limbs or hearing aids.
7 Any claims for mobile phones regardless of whether the phone includes features including but not limited to a camera, MP3 player or personal organiser.
8 Claims for Personal Effects, luggage or Valuables arising from wear and tear, loss of value, mechanical or electrical breakdown, damage caused by atmospheric or climatic conditions, moth or vermin, any process of cleaning, repairing or restoring, or damage caused by leaking powder or fluid carried within Your baggage.
9 Items left Unattended in a Public Place.
10 Items left in the custody of someone without official responsibility for their safekeeping.
11 Items carried on a vehicle roof rack.
12 Damage to suitcases, holdalls or similar carriers unless You cannot use the damaged item.
13 More than £100 in total for Personal Effects stolen from an Unattended motor vehicle between the hours of 9.00 pm and 8.00 am or, if the theft occurs at any other time of day, unless the vehicle is being used for travel between different points of overnight accommodation.
14 Valuables left Unattended in any motor vehicle at any time (even if in the boot/ concealed).
15 More than £500 in total for all items left Unattended in any motor vehicle.
16 Valuables whilst in the custody of the airline or any other carrier.
17 Claims arising from Your belongings being delayed or held by customs or other officials legally taking Your belongings.
18 Claims for damaged items if You do not keep the items and present them to Us for inspection if requested.
19 Claims for perishable goods, alcohol, cigarettes or other tobacco products.
20 Claims for musical instruments, paintings, pictures, sculptures, antiques, stamps, satellite navigation equipment, trading cards, equipment samples or merchandise, vehicles or accessories or household goods of any kind.
21 Any claims for loss, theft or damage to items shipped under the provision of any freight contract or sent by post.
22 Claims for items loaned to You or rented by You.

Section 5. Cancelling and cutting Your Trip short
We will pay You for pre-booked unused travel and accommodation expenses that You have paid, or have agreed to pay under a contract which You cannot get back if it is necessary and unavoidable for You to cancel or cut short Your Trip as a result of:
1 You dying, becoming ill or injured;
2 the death, injury or illness of a Relative, close Business Associate, Your travel companion or a Relative or friend living overseas with whom You plan to stay;
3 You being called for jury service or as a witness;
4 an Accident to a vehicle in which You were planning to travel which happens within seven days of the date You planned to leave which leaves the vehicle unusable (this applies to selfdrive Trips only);
5 if You are a member of the armed forces or police, fire, nursing or ambulance services and You have to stay because of an emergency;
6 You being made redundant from full-time, continuous, permanent employment as long as You are entitled to payment under the current redundancy payments law and that, at the time of booking Your Trip it was unforeseeable;
7 the police needing You to stay after a fire, flood or burglary at Your home within 48 hours before the date You planned to leave.
In respect of claims for curtailment, payments will be calculated from the day You return to the UK or You are hospitalised as an in-patient. Your claim will be based on the number of complete nights' accommodation lost out of Your originally booked arrangements. In respect of travel expenses, We will pay for additional costs but not for the loss of Your pre-booked arrangements.
We will not cover the following:
1 Any extra costs resulting from You not telling the holiday company as soon as You know You have to cancel Your Trip.
2 The cost of Your original return trip if this has already been paid and You need to cut short Your Trip.
3 If You have to cut short Your Trip and do not return to the UK.
4 If You cut short Your Trip and You have less than 25% of the Trip left or five days, whichever is greater.
5 Claims for cutting Your Trip short not approved by the emergency assistance team.
6 Claims not supported by a medical report from a registered medical practitioner.
7 Claims for non-refundable expenses not supported by the published booking rules, terms and conditions.
8 Claims caused by the illness or death of any pets or animals. Insert new exclusions:
9 Claims if You failed to get the relevant passport or visa.
10 Claims if You have failed to have any recommended vaccines, inoculations or medications prior to Your Trip.
11 Your disinclination to travel.
12 Claims caused or contributed to by or on the order of any government, public or local authority.

Section 6. Missed departure
We will pay the Additional Accommodation and Transportation expenses You need if You cannot reach the original pre-booked departure point of Your Trip on the outward or return leg because Public Transport services fail or the vehicle in which You are travelling is involved in an Accident or breaks down.
You must allow enough time to arrive at Your departure point at or before the recommended time.
You must get written confirmation of the reason for the delay and how long it lasted from the appropriate authority. If Your claim relates to a vehicle breakdown,
You must give Us evidence that the vehicle was properly serviced and maintained and that any recovery or repair was made by a recognised breakdown organisation.
We will not cover the following:
1 Any claim which is the result of a strike or industrial action which was public knowledge before You started Your Trip.
2 Any claim where You did not allow enough time.
3 Any claim not supported by written confirmation from the appropriate authority of the reason for the delay and how long it lasted.
4 Any claim where a vehicle was poorly maintained and not recovered or repaired by a recognised breakdown organisation.

Section 8. Travel delay
If the start of Your pre-booked outward or return leg (into or out of the UK) of Your international Trip by aircraft, sea vessel or cross channel train are delayed, due to:
1 strike or industrial action;
2 severe weather conditions; or
3 mechanical breakdown of aircraft.
We will pay £10 after each full eight hour period of delay, as long as You eventually go on the trip.
You must have checked-in for Your trip at or before the recommended time. You must also provide written confirmation of the reason for the delay and how long it lasted from the appropriate authority.
We will not cover the following under Sections 7 and 8:
1 Any claim which is the result of a strike or industrial action which was public knowledge before You started Your Trip.
2 Any claim resulting from orders of delay by any government or civil authority.
3 Any claim where You have not checked-in for Your trip at or before the recommended time.
4 Any claim not supported by written confirmation from the appropriate authority of the reason for the delay and how long it lasted.
5 Any claim that results from You missing a connecting flight.

Section 7. Abandoning Your Trip
If the start of Your pre-booked outward Trip by aircraft, sea vessel or cross channel train is delayed, due to:
1 strike or industrial action;
2 severe weather conditions; or
3 mechanical breakdown of aircraft
and it is necessary for You to have to cancel Your outward trip (out of the UK) as a result of a delay lasting more than 24 hours, We will pay the cost of Your trip less any amounts that are refundable.
You must have checked-in for Your trip at or before the recommended time. You must also provide written confirmation of the reason for the delay and how long it lasted from the appropriate authority.
We will not cover the following under Sections 7 and 8:
1 Any claim which is the result of a strike or industrial action which was public knowledge before You started Your Trip.
2 Any claim resulting from orders of delay by any government or civil authority.
3 Any claim where You have not checked-in for Your trip at or before the recommended time.
4 Any claim not supported by written confirmation from the appropriate authority of the reason for the delay and how long it lasted.
5 Any claim that results from You missing a connecting flight.

Section 17. Personal liability
We will provide cover if, as a result of Your negligent act occurring during the Period of Insurance, You become unintentionally legally liable to pay compensation in respect to damage caused to someone else's property or the injury or death of someone else. You must give Right Cover notice of any cause for a legal claim against You as soon as You know about it and send Us any other documents relating to any claim. You must forward any unanswered letter, writ, summons and process to Us as soon as You receive it.
You must help Right Cover and give them all of the information they need to allow them to take action on Your behalf. You must not negotiate, pay, settle, admit or deny any claim unless You have written permission from Right Cover.
We will not cover the following:
1 Any liability arising from:
a an injury to Your travelling companions, a member of Your family or household or a person You employ; or
b loss or damage to property in the care, custody or control of You, Your travelling companions, a member of Your family or household or a person You employ.
2 Any liability, injury, loss or damage:
a to Your employees, travelling companions, members of Your family or household or a person You employ;
b arising directly or indirectly out of or in connection with Your trade, profession or business;
c arising directly or indirectly out of a contract You have entered into;
d arising directly or indirectly out of You owning, possessing, using or living on any land or in buildings (other than the temporary occupation of a residence for holiday purposes);
e arising directly or indirectly from or due to ownership, possession or use of any motorised or mechanical vehicles including any attached trailers or caravans, any aircraft (whatsoever), any watercraft or vessel (other than manually propelled) or any form of motorised leisure equipment, animals, firearms or weapons; or
f arising directly or indirectly out of any criminal, malicious or deliberate acts.
g arising directly or indirectly from participant liability

24 hour emergency assistance
Wherever You are in the world, our emergency assistance team is here 24/7 to help all policyholders whilst You are away.
Contact details
From the USA or Canada 1 800 709 3422
From the Caribbean or Mexico 1 819 566 1513
All other countries +44 1245 347 668
When You call please have available Your:
- policy number
- contact phone number
You MUST contact the emergency assistance team as soon as possible if:
You are injured or become ill or in the event of death. If you:
- are admitted to hospital;
- are involved in an accident;
- are injured or become ill and your bills will exceed £300.
Not doing so could mean We will not provide cover or We could reduce the amount We pay for Your claim.
If You need to return home early. If you:
- curtail Your Trip or miss Your flight due to medical reasons;
- need to return home early.
If You have to return home early, You must have cover approved by the emergency assistance team. If You incur costs which have not been approved by the emergency assistance team, this could mean that We will not provide cover or We may reduce the amount We pay.
Any minor illness or injury costs resulting in a claim should be paid by You, a medical report and receipt obtained and the amount claimed within 31 days of the end of Your Trip.

general exclusions
We will not cover the following under any section of the policy:
1 Costs or expenses incurred outside the Period of Insurance.
2 A claim which arises from an event which occurs outside the Period of Insurance.
3 Any claim under a section of this Policy Wording that is not shown on the benefits table on Your Certificate of Insurance.
4 Claims directly or indirectly arising from any Existing Medical Condition:
a You or Your travelling companion has. This exclusion will be waived:
i from the time the appropriate additional amount has been received by Us in respect of the Existing Medical Condition for which cover is separately applied for and accepted by Us and for which special conditions, limits and excesses may apply if We notify You in writing.
b of any other person (as specified in Section 5) unless the person is hospitalised or dies in the UK after the Relevant Time and at the Relevant Time the chance of a claim occurring is highly unlikely. In any event, We will not pay more than £1,500 under all sections of the policy combined.
5 Any claim if You, Your travelling companion and anyone else upon whose health Your booking depends:
a are travelling against medical advice;
b are travelling to receive medical advice or treatment;
c are on a hospital waiting list waiting for treatment or investigation; or
d have been given a terminal diagnosis.
6 Loss or damage directly or indirectly caused by war, revolution or any similar event or any Government, public or local authority legally taking or damaging Your property.
7 Any claim arising from or as a result of civil commotions or riots of any kind.
8 Loss, or damage to any property, or any loss, expense or liability arising from:
a ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the burning of nuclear fuel; or
b the radioactive, toxic, explosive or other dangerous properties of any explosive nuclear equipment or any part of it.
9 Any claim under Sections 9 and 10 if You already have a more specific insurance covering this.
10 Any claim, if at the time of loss, damage or liability arising under this insurance there is any other insurance covering the same loss, damage or liability. We will only pay Our share.
11 Loss, destruction or damage directly caused by pressure waves resulting from any aircraft or other flying object travelling at or above the speed of sound.
12 Any claim arising from You being in, or entering, or leaving any aircraft other than as a fare-paying passenger in a fullylicensed passenger-carrying aircraft.
13 Any claim arising from using a two-wheeled motor vehicle, motorcycle or quadbike.
14 Any other loss connected to the event You are claiming for unless We provide cover under this insurance.
15 Any claim arising directly or indirectly from financial problems.
16 Any claim resulting from the tour operator, airline or any other company, firm or person becoming insolvent, or being unable or unwilling to fulfill any part of their obligation.
17 Any claim arising or resulting from You being involved in any illegal or criminal act.
18 Winter Sports unless You have paid the appropriate additional premium to extend Your cover as indicated on Your Certificate of Insurance.
19 Any claim arising or resulting from depression, anxiety, stress, depressive illness of any type, suicide or attempted suicide or injuring Yourself deliberately or putting Yourself in danger (unless You are trying to save a human life).
20 Any claim resulting from You being under the influence of or in connection with the use of alcohol or drugs, or You contracting any Sexually Transmitted Diseases, HIV or AIDS.
21 This exclusion applies to Sections 5, 6, 7, 8, 9, 10, 17 and 18 - We shall not be liable under this insurance for any claims in any way caused or contributed to by:
a the failure of, or
b the fear of the failure of, or
c 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.
22 Loss, damage, expense or indemnity incurred as a result of travelling to an area that the Foreign and Commonwealth office have advised against travel, provided that such loss, damage, expense or indemnity is directly or indirectly related to any circumstances that are the reason for the advice.
23 Any loss directly or indirectly resulting from Your participation in manual work whether paid or unpaid .
24 Claims arising from Your participation in an activity not listed under the definition of 'Acceptable Activity'. If You are participating in an activity listed in Category 2, 3 or 4 under the heading Acceptable Activity this exclusion will be waived for the relevant activity only if You have paid the appropriate additional premium and the relevant activity is listed on Your Certificate of Insurance.
Note:
We cannot guarantee cover for the activity will be accepted but if accepted, the terms of cover will include a separate excess and specific limits and exclusions.
25 Any claim arising from participation by You or Your travelling companion in sports activities in a professional capacity or racing (other than on foot). This exclusion applies to any Acceptable Activity or Winter Sports which but for this exclusion would be covered.
26 Any claim arising directly or indirectly from You or Your travelling companion travelling against any health requirements stipulated by the carrier, their handling agents or any other public transport provider.
27 Except for Sections 1, 2, 4 and 16, claims arising directly or indirectly from an Act of Terrorism or the threat or perceived threat of an Act of Terrorism.
Notwithstanding, We will not pay under any section of the policy any claim arising from a nuclear, chemical or biological attack.
28 Claims arising from Avian Influenza (including the H5N1 strain) or any derivative or mutation of such viruses, or the threat or perceived threat of any of the above.
29 Any other loss, damage or additional expenses following on from the event for which you are claiming is not covered under this insurance. Examples of such loss, damage or additional expense would be the cost of replacing locks after losing keys, costs incurred in preparing a claim or loss of earnings following bodily injury or illness.
30 Claims directly or indirectly arising if You fail to take reasonable care.

general exclusions
We will not cover the following under any section of the policy:
27 Except for Sections 1, 2, 4 and 16, claims arising directly or indirectly from an Act of Terrorism or the threat or perceived threat of an Act of Terrorism.
Notwithstanding, We will not pay under any section of the policy any claim arising from a nuclear, chemical or biological attack.

general exclusions
We will not cover the following under any section of the policy:
27 Except for Sections 1, 2, 4 and 16, claims arising directly or indirectly from an Act of Terrorism or the threat or perceived threat of an Act of Terrorism.
Notwithstanding, We will not pay under any section of the policy any claim arising from a nuclear, chemical or biological attack.

General Exclusions
We will not cover the following
21 This exclusion applies to Sections 5, 6, 7, 8, 9, 10, 17 and 18 - We shall not be liable under this insurance for any claims in any way caused or contributed to by:
a the failure of, or
b the fear of the failure of, or
c 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.

general conditions
The following conditions apply to this insurance:
Excess
1 The excess is the first amount of a claim which We will not pay for. The excess, where applicable, applies per event, per section, per person. The excess for each section is shown on Your Certificate of Insurance.
Please note that the stated excess will apply to Sections 17 of the policy irrespective of whether You have paid an extra premium to reduce the excess on the policy generally. For clarification, the excess applicable under each section will ALWAYS be the excess stated on the Certificate of Insurance.
Your duty of disclosure
2 You must tell Right Cover if You know about anything which may affect their decision to accept Your insurance, at the time of purchasing this insurance and throughout the Period of Insurance (for example a health condition or if You have consulted a doctor recently and are waiting to have tests or find out test results).
Following a change in material fact disclosed to Us by You, We reserve the right to amend or cancel Your insurance, providing You with a pro rata refund of premium.
If You are unsure whether to disclose any fact to Right Cover, You should disclose the fact for Your own protection.
Limits of liability
3 The limits of Our liability for each section of the policy are the amounts shown on Your Certificate of Insurance for the plan purchased except where We have notified You in writing of different limits.
Money back guarantee
4 You have the right to cancel the policy by notifying Us in writing within 14 days of the date the policy was issued.
Provided the circumstances specified in paragraphs (a) or (b) below do not apply, You are entitled, during this 14 day cooling off period, to a complete refund of the amount You have paid for the policy. You are not entitled to a complete refund if, during the cooling off period, You:
a make a claim under the policy; or
b cancel the policy after the commencement of the Trip.
We will not refund the Amount Payable if notified outside the cooling off period.
Our right to cancel your policy
5 We reserve the right to cancel the policy for any reason by providing 14 days notice by registered post to Your last known address.
6 If the premium has not been paid or if payment has been made by fraudulent methods then the policy is considered to be null and void.
Reasonable care
7 We will not pay for any loss, theft or damage caused as a result of You not acting in a reasonable way to look after Your property.
8 You must make every effort to mitigate any losses or expenses claimed under this policy. If Your claim is not accepted or the amount paid by the insurer does not cover the whole cost You may be personally liable for any loss or expenses incurred.
9 You must keep to all the terms, conditions and endorsements of this insurance. If You do not, We may deny Your claim.
Recoveries
10 You must help Us recover any money that We have paid to any person, company, insurer, government department, statutory body or other entity by giving Us all the details
We request from You including filling in any forms.
11 We may, at Our own expense, take proceedings in Your name to recover compensation or secure indemnity from any third party in respect of any loss or damage covered by this insurance and any amount recovered shall belong to Us.
12 You must take all reasonable steps to recover any lost or stolen articles and help the authorities to recover property, apprehend, seize, detain or prosecute any person, persons or company suspected of being involved with any incident that may lead to a claim under this policy.
13 If You are insured elsewhere, We will only pay a rateable proportion.
Claims
14 If You try to make a false, exaggerated or fraudulent claim or use any false, exaggerated or fraudulent means in trying to make a claim, We will not cover Your claim and You may be prosecuted.
Your cover under this insurance will also be voided and all premiums paid forfeited.
15 You must at Your own expense, supply any documents in support of Your claim which We may request, such as original police reports, receipts, valuations and/or medical certificates and You must co-operate fully in the assessment or investigation of Your claim.
16 You must keep any articles which are damaged and send them to Us if requested.
You must pay any costs involved in doing this.
17 You must, as often as required, agree to a medical examination on Our behalf at Your own expense. In the event of Your death, We shall be entitled to have a postmortem examination at Our own expense.
18 You must pay Us back, within one month of asking, any amounts that We have paid to You which are not covered by this insurance.
19 You must submit all claims within 31 days of the end of Your Trip.
Policy interpretation
20 This policy contract shall be governed by and construed in accordance with the Law of England and Wales unless the Certificate of Insurance holder's habitual residence (in the case of an individual) or central administration and/or place of establishment is located in Scotland in which case the law of Scotland shall apply.
Emergency assistance
21 In the event of illness or injury We reserve the right to relocate You from one hospital to another and/or arrange for Your repatriation to the UK or evacuation to any other country at any time during the Trip. We will do this if in the opinion of the medical practitioner in attendance or Our own medical advisors You can be moved safely and/or travel safely to continue treatment.
22 We may not cover any expenses incurred as a result of Your decision not to be moved, evacuated or repatriated after the date when in the opinion of Our medical advisors it is safe to do so.
23 Where Your claim is excluded or falls outside the policy coverage, the giving of emergency assistance will not in itself be an admission of liability.
24 The medical standards, sanitary conditions, reliability of telephone systems and facilities for urgent medical evacuations differ from country to country.
Responsibility for any loss, medical complication or death resulting from any factor reasonably beyond Our control cannot be accepted by the emergency assistance network, Right Cover Limited or Us.
Free extension of insurance
25 Where Your Trip is necessarily extended due to an unforeseen circumstance outside Your control, Your Period of Insurance will be extended until You are able to travel home by the quickest and most direct route. The Period of Insurance will not be extended for any other reason unless accepted by Us and confirmed in writing.
Automatic reinstatement of sums Insured
26 In respect of Annual Multi-Trip policies the sums insured under each section of the policy are automatically reinstated on the completion of each Trip.
Other conditions
27 This insurance is non-transferable.

Excess
Choose an excess level that suits You. The higher the excess, the cheaper the premium. An excess is the first amount of a claim We do not pay for. Where you have selected an excess, the excess will be deducted per person, per section, per event for which a claim is made. An excess will always apply to the Personal Liability section.