Sainsbury's Single Trip Standard (Winter Sports)

Section 1: Medical Emergency and Repatriation Expenses
This section of your policy explains the cover we provide for medical emergency and repatriation expenses whilst on your trip.Words with special meanings can be found on pages 17-19.
This section does not apply to trips taken by residents of England, Scotland, Wales and Northern Ireland within those countries or to trips taken by residents of the Channel Islands within the Channel Islands.
This section provides insurance for costs not covered by any reciprocal health agreement between the Channel Islands and the United Kingdom (England, Scotland, Wales and Northern Ireland).
What IS covered:
1. Reasonable and necessary medical and hospital expenses, including the cost of the rescue service to take you to hospital; and
2. Returning you to the UK provided this is authorised by us or the Emergency Medical Assistance Helpline; and
3. Reasonable travel and room only accommodation expenses for a travelling companion or resident in the UK to stay with you and travel home with you if this is authorised by us or the Emergency Medical Assistance Helpline; and
4. Funeral expenses abroad or the cost of transporting your body or ashes to your home.
We will pay you up to the amount shown on your Policy Schedule:
- If you go into hospital or require any medical assistance; and/or
- If you have to return home early or extend your trip; or
- For reasonable and necessary funeral expenses abroad; or
- For transporting your body or ashes back to your home;
We will pay you up to £500 or £200 (Basics Cover) if:
- You require emergency dental treatment for the immediate relief of pain
We will pay you £50 or £20 (Basics Cover) per day (up to a maximum of £1,000 or £200 (Basics Cover)) as a:
- Benefit for every complete 24 hour period you are in hospital or confined to your trip accommodation
We will pay you £10 (not applicable if you have selected Basics cover) for every 24 hour period:
- Towards meal expenses for the nominated person who stays/travels with you
Please note we may instruct you to return home if our medical advisers and the medical practitioner treating you decide that you are fit to travel.
What IS NOT covered:
- The excess (unless the appropriate additional premium for excess waiver has been paid and is shown on your Policy Schedule or when using an EHIC)
- Any costs arising from your pregnancy or childbirth if the expected date of delivery is less than 12 weeks (16 weeks for a multiple birth) after the end of the trip
- The cost of any medication or drugs which at the start of your trip you know you will need
- The cost of any treatment or surgery (including exploratory tests) which is not directly related to the illness or injury for which you went into a hospital or clinic abroad
- The cost of any treatment or surgery (including exploratory tests) which is as a result of your participation in a winter sports activity (unless you have paid the additional Winter Sports premium and this is shown on your Policy Schedule)
- Any extra costs as a result of you arranging single or private room accommodation at a hospital, clinic or nursing home, except where this is necessary for your treatment and approved by the Emergency Medical Assistance Helpline in advance
- Any provision of dentures, false limbs, hearing aids, contact or corneal lenses or prescription spectacles
- Any in-patient, hospital, clinic or repatriation expenses in excess of £500 which have not been reported to and authorised by the Emergency Medical Assistance Helpline in advance
- The cost of any treatment, surgery (including exploratory tests), cosmetic or elective surgery which, in the opinion of the medical practitioner treating you or the Emergency Medical Assistance Helpline can reasonably be delayed until you return home
- Any taxi fares or other transport costs incurred in obtaining medical treatment, unless the taxi was used for emergency ambulance purposes only
- Any food, drinks, toiletries and faxes or phone calls other than to the Emergency Medical Assistance Helpline telling them about the problem and for which you can provide a receipt or other evidence to show the cost of the call and the number dialled
- Any expenses that arise after we have instructed you to return home if our medical advisers and the medical practitioner treating you decide you are fit to travel
- Any expenses that arise after 12 months of treatment
- anything specifically excluded under the General exclusions section of your policy on pages 55 and 55.
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Please remember that you will not be covered for any claims arising as a result of a pre-existing medical condition unless terms were agreed in writing by the Sainsburys Travel Insurance Centre and any additional premium required by them was paid before starting your trip.collapse

Section 10: Personal Money
This section only applies if you have chosen to include this cover and this is shown on your Policy Schedule.
This section of your policy explains the cover we provide for your personal money whilst on your trip. Words with special meanings can be found on pages 17-19.
What IS covered:
1. Loss or theft of your personal money
We will pay you up to the amount shown on your Policy Schedule to:
- Reimburse your personal money
We agree to provide the cover in this section as long as:
- You have taken reasonable care in protecting your personal money and documents against loss, theft or damage; and
- You have notified the Police within 24 hours of discovery and obtained a written report from them and enclose this with your claim form
What IS NOT covered:
- The excess (unless the appropriate additional premium for excess waiver has been paid and is shown on your Policy Schedule).
- Any claim over £300 (£50 in respect of children under the age of 16 years) for cash.
- Any loss or theft of your personal money that is not on your person or not deposited in a safe or safety deposit box, or similar locked fixed receptacle in your trip accommodation.
- Any personal money packed in a suitcase or other similar personal baggage or in containers which are out of sight and out of personal control where you are not in a position to prevent unauthorised interference with your property.
- Any loss or damage arising from confiscation or detention by Customs or other officials.
- Any depreciation in value, currency changes or shortage caused by any error or omission.
- Anything specifically excluded under the General exclusions section of your policy on pages 54 and 55.
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Section 6: Loss of Important Documents
This section of your policy explains the cover we provide for lost or stolen important documents whilst on your trip. Words with special meanings can be found on pages 17-19.
What IS covered:
1. Loss or theft of your passport; and
2. Loss or theft of your driving licence; and
3. Loss or theft of your travel documents
We will pay you up to £600 for:
- A temporary replacement passport whilst on your trip; and
- A replacement passport when you are back in the UK; and
- The replacement or restoration of your driving licence and travel documents listed above; and
- Your reasonable travel and accommodation expenses in obtaining replacement documents whilst on your trip
What IS NOT covered:
- The excess (unless the appropriate additional premium for excess waiver has been paid and is shown on your Policy Schedule).
- Any claim for the loss or theft of items that are not kept on your person or not deposited in a safe or safety deposit box, or similar locked fixed receptacle in your trip accommodation.
- Any claim for items packed in suitcases or other similar personal baggage or in containers, which are out of sight and out of personal control where you are not in a position to prevent unauthorised interference with your property.
- Any claim for the loss of your passport not reported to the Police and the Consular Representative of the relevant issuing country within 24 hours of discovery and a written report is not obtained from them.
- Any claim for the loss of your driving licence or travel documents not reported to the Police within 24 hours of discovery and a written report is not obtained from them.
- Any claim for loss or damage arising from confiscation or detention by Customs or other officials.
- anything specifically excluded under the General exclusions section of your policy on page 54 and 55.
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Section 6: Loss of Important Documents
This section of your policy explains the cover we provide for lost or stolen important documents whilst on your trip. Words with special meanings can be found on pages 17-19.
What IS covered:
1. Loss or theft of your passport; and
2. Loss or theft of your driving licence; and
3. Loss or theft of your travel documents
We will pay you up to £600 for:
- A temporary replacement passport whilst on your trip; and
- A replacement passport when you are back in the UK; and
- The replacement or restoration of your driving licence and travel documents listed above; and
- Your reasonable travel and accommodation expenses in obtaining replacement documents whilst on your trip
What IS NOT covered:
- The excess (unless the appropriate additional premium for excess waiver has been paid and is shown on your Policy Schedule).
- Any claim for the loss or theft of items that are not kept on your person or not deposited in a safe or safety deposit box, or similar locked fixed receptacle in your trip accommodation.
- Any claim for items packed in suitcases or other similar personal baggage or in containers, which are out of sight and out of personal control where you are not in a position to prevent unauthorised interference with your property.
- Any claim for the loss of your passport not reported to the Police and the Consular Representative of the relevant issuing country within 24 hours of discovery and a written report is not obtained from them.
- Any claim for the loss of your driving licence or travel documents not reported to the Police within 24 hours of discovery and a written report is not obtained from them.
- Any claim for loss or damage arising from confiscation or detention by Customs or other officials.
- anything specifically excluded under the General exclusions section of your policy on page 54 and 55.
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Section 12: Winter Sports
This section only applies if you have chosen to include this cover and this is shown on your Policy Schedule. If you are participating in a winter sports trip you must take out this section of cover in order to claim against any section of your policy.
This section of your policy explains the cover we provide for winter sports whilst on your trip. Words with special meanings are printed in bold type and can be found on pages 17-19.
Cover is provided under this section (up to a maximum of 24 days in total during the insurance period if you have multi trip insurance or for the trip duration if you have single trip insurance) whilst you are on a trip which includes skiing, snowboarding, or participating in any snow or ice activities including off-piste skiing (provided you are accompanied by a qualified ski instructor who holds the appropriate liability insurance and that there are no avalanche warnings current).
What IS covered:
1. Loss or theft of or damage to your winter sports equipment; and
2. Your hire of winter sports equipment if required as a result of point 1 above; and 3. Your hire of winter sports equipment if required as a result of the misdirection or delay on your outward journey of your winter sports equipment for more than 12 hours; and
4. Reimbursement of any unused ski pack, ski hire or tuition fees as a result of your accident or sickness; and
5. Loss or theft of your ski pass; and
6. Piste closure, if you are unable to ski for a continuous period in excess of 12 hours as a result of:
- Lack of snowfall
- Excessive snowfall
- Bad weather
We will pay you up to £500 (£100 if winter sports equipment is hired) to:
- Replace, reinstate or repair your winter sports equipment
Claims will be considered on a new for old basis provided the item is less than 2 years old at the date of the incident and you are able to provide the original purchase receipt. All other items will be subject to a suitable deduction for wear and tear and depreciation or we may at our option replace, reinstate or repair the lost, stolen or damaged winter sports equipment. Please note we may not pay your claim if you are unable to provide any original receipts, proofs of purchase or insurance valuations (issued before the loss, theft or damage). You must retain all damaged items for inspection, if required.
We will pay you £20 per day (up to a maximum of £300) for:
- Your hire of winter sports equipment in relation to points 2 and 3
We will pay you up to £200 per 7 day period (up to a maximum of £400) to:
- Reimburse you the proportionate value of any unused ski pack in relation to points 4 and 5
We will pay you £30 per day (up to a maximum of £300):
- As a benefit in relation to point 6; or
- Towards transportation costs to travel to an alternative site in relation to point 6
What IS NOT covered:
- The excess for claims under point 1 (unless the appropriate additional premium for excess waiver has been paid and is shown on your Policy Schedule)
- Any claim as a result of participation in off-piste skiing whereby you are not accompanied by a qualified ski instructor who holds the appropriate liability insurance
- Any claim as a result of participation in winter sports activities when avalanche warnings are current
- Any claim as a result of participation in winter sports activities undertaken in the UK and in Europe outside the period from 15th December to 15th April in relation to point 6
- Any loss or theft of or damage to your winter sports equipment whilst in use
- Any loss of or damage to your winter sports equipment arising from confiscation or detention by Customs or other officials
- Any loss of or damage to your winter sports equipment caused by normal wear and tear, gradual deterioration or mechanical or electrical breakdown, decay, moth, vermin, atmospheric or climatic conditions
- Any loss or theft of or damage to your winter sports equipment whilst in the custody of an airline or other carrier unless you report it immediately on discovery to the carrier and get a written report. In the case of an airline you will need a Property Irregularity Report (PIR)
- Any loss or theft of your winter sports equipment or ski pass that you do not report to the Police within 24 hours of discovery and for which you do not get a written report from them
- Any loss or theft of your winter sports equipment or ski pass left out of sight and out of personal control in public places where you are not in a position to prevent unauthorised interference with your property e.g. station, airport, restaurant etc
- Any loss or theft of your winter sports equipment or ski pass from an unattended vehicle unless between the hours of 09:00 and 21:00 whereby your winter sports equipment was secured within a purpose built and locked container fastened to the exterior of the vehicle and following physical evidence of forcible entry and reported to the Police within 24 hours of discovery and a written report is obtained from them
- Any loss or theft of your winter sports equipment or ski pass left in the custody of a person who does not have official responsibility for the safekeeping of the property
- Any claim that is not confirmed as medically necessary by the Emergency Medical Assistance Helpline and where a medical certificate has not been obtained from the attending medical practitioner confirming that you are unable to ski and unable to use the ski pack facilities
- Any claim as a result of piste closure which is not substantiated by a report from the resort management or your tour operator
- Any claim as a result of piste closure which was known to you on or before the date your Policy Schedule is issued or on or before the date you booked your trip, whichever is earlier
- Anything specifically excluded under the General exclusions section of your policy on pages 54 and 55.
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Section 12: Winter Sports
This section only applies if you have chosen to include this cover and this is shown on your Policy Schedule. If you are participating in a winter sports trip you must take out this section of cover in order to claim against any section of your policy.
This section of your policy explains the cover we provide for winter sports whilst on your trip. Words with special meanings are printed in bold type and can be found on pages 17-19.
Cover is provided under this section (up to a maximum of 24 days in total during the insurance period if you have multi trip insurance or for the trip duration if you have single trip insurance) whilst you are on a trip which includes skiing, snowboarding, or participating in any snow or ice activities including off-piste skiing (provided you are accompanied by a qualified ski instructor who holds the appropriate liability insurance and that there are no avalanche warnings current).
What IS covered:
1. Loss or theft of or damage to your winter sports equipment; and
2. Your hire of winter sports equipment if required as a result of point 1 above; and 3. Your hire of winter sports equipment if required as a result of the misdirection or delay on your outward journey of your winter sports equipment for more than 12 hours; and
4. Reimbursement of any unused ski pack, ski hire or tuition fees as a result of your accident or sickness; and
5. Loss or theft of your ski pass; and
6. Piste closure, if you are unable to ski for a continuous period in excess of 12 hours as a result of:
- Lack of snowfall
- Excessive snowfall
- Bad weather
We will pay you up to £500 (£100 if winter sports equipment is hired) to:
- Replace, reinstate or repair your winter sports equipment
Claims will be considered on a new for old basis provided the item is less than 2 years old at the date of the incident and you are able to provide the original purchase receipt. All other items will be subject to a suitable deduction for wear and tear and depreciation or we may at our option replace, reinstate or repair the lost, stolen or damaged winter sports equipment. Please note we may not pay your claim if you are unable to provide any original receipts, proofs of purchase or insurance valuations (issued before the loss, theft or damage). You must retain all damaged items for inspection, if required.
We will pay you £20 per day (up to a maximum of £300) for:
- Your hire of winter sports equipment in relation to points 2 and 3
We will pay you up to £200 per 7 day period (up to a maximum of £400) to:
- Reimburse you the proportionate value of any unused ski pack in relation to points 4 and 5
We will pay you £30 per day (up to a maximum of £300):
- As a benefit in relation to point 6; or
- Towards transportation costs to travel to an alternative site in relation to point 6
What IS NOT covered:
- The excess for claims under point 1 (unless the appropriate additional premium for excess waiver has been paid and is shown on your Policy Schedule)
- Any claim as a result of participation in off-piste skiing whereby you are not accompanied by a qualified ski instructor who holds the appropriate liability insurance
- Any claim as a result of participation in winter sports activities when avalanche warnings are current
- Any claim as a result of participation in winter sports activities undertaken in the UK and in Europe outside the period from 15th December to 15th April in relation to point 6
- Any loss or theft of or damage to your winter sports equipment whilst in use
- Any loss of or damage to your winter sports equipment arising from confiscation or detention by Customs or other officials
- Any loss of or damage to your winter sports equipment caused by normal wear and tear, gradual deterioration or mechanical or electrical breakdown, decay, moth, vermin, atmospheric or climatic conditions
- Any loss or theft of or damage to your winter sports equipment whilst in the custody of an airline or other carrier unless you report it immediately on discovery to the carrier and get a written report. In the case of an airline you will need a Property Irregularity Report (PIR)
- Any loss or theft of your winter sports equipment or ski pass that you do not report to the Police within 24 hours of discovery and for which you do not get a written report from them
- Any loss or theft of your winter sports equipment or ski pass left out of sight and out of personal control in public places where you are not in a position to prevent unauthorised interference with your property e.g. station, airport, restaurant etc
- Any loss or theft of your winter sports equipment or ski pass from an unattended vehicle unless between the hours of 09:00 and 21:00 whereby your winter sports equipment was secured within a purpose built and locked container fastened to the exterior of the vehicle and following physical evidence of forcible entry and reported to the Police within 24 hours of discovery and a written report is obtained from them
- Any loss or theft of your winter sports equipment or ski pass left in the custody of a person who does not have official responsibility for the safekeeping of the property
- Any claim that is not confirmed as medically necessary by the Emergency Medical Assistance Helpline and where a medical certificate has not been obtained from the attending medical practitioner confirming that you are unable to ski and unable to use the ski pack facilities
- Any claim as a result of piste closure which is not substantiated by a report from the resort management or your tour operator
- Any claim as a result of piste closure which was known to you on or before the date your Policy Schedule is issued or on or before the date you booked your trip, whichever is earlier
- Anything specifically excluded under the General exclusions section of your policy on pages 54 and 55.
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Section 12: Winter Sports
This section only applies if you have chosen to include this cover and this is shown on your Policy Schedule. If you are participating in a winter sports trip you must take out this section of cover in order to claim against any section of your policy.
This section of your policy explains the cover we provide for winter sports whilst on your trip. Words with special meanings are printed in bold type and can be found on pages 17-19.
Cover is provided under this section (up to a maximum of 24 days in total during the insurance period if you have multi trip insurance or for the trip duration if you have single trip insurance) whilst you are on a trip which includes skiing, snowboarding, or participating in any snow or ice activities including off-piste skiing (provided you are accompanied by a qualified ski instructor who holds the appropriate liability insurance and that there are no avalanche warnings current).
What IS covered:
1. Loss or theft of or damage to your winter sports equipment; and
2. Your hire of winter sports equipment if required as a result of point 1 above; and 3. Your hire of winter sports equipment if required as a result of the misdirection or delay on your outward journey of your winter sports equipment for more than 12 hours; and
4. Reimbursement of any unused ski pack, ski hire or tuition fees as a result of your accident or sickness; and
5. Loss or theft of your ski pass; and
6. Piste closure, if you are unable to ski for a continuous period in excess of 12 hours as a result of:
- Lack of snowfall
- Excessive snowfall
- Bad weather
We will pay you up to £500 (£100 if winter sports equipment is hired) to:
- Replace, reinstate or repair your winter sports equipment
Claims will be considered on a new for old basis provided the item is less than 2 years old at the date of the incident and you are able to provide the original purchase receipt. All other items will be subject to a suitable deduction for wear and tear and depreciation or we may at our option replace, reinstate or repair the lost, stolen or damaged winter sports equipment. Please note we may not pay your claim if you are unable to provide any original receipts, proofs of purchase or insurance valuations (issued before the loss, theft or damage). You must retain all damaged items for inspection, if required.
We will pay you £20 per day (up to a maximum of £300) for:
- Your hire of winter sports equipment in relation to points 2 and 3
We will pay you up to £200 per 7 day period (up to a maximum of £400) to:
- Reimburse you the proportionate value of any unused ski pack in relation to points 4 and 5
We will pay you £30 per day (up to a maximum of £300):
- As a benefit in relation to point 6; or
- Towards transportation costs to travel to an alternative site in relation to point 6
What IS NOT covered:
- The excess for claims under point 1 (unless the appropriate additional premium for excess waiver has been paid and is shown on your Policy Schedule)
- Any claim as a result of participation in off-piste skiing whereby you are not accompanied by a qualified ski instructor who holds the appropriate liability insurance
- Any claim as a result of participation in winter sports activities when avalanche warnings are current
- Any claim as a result of participation in winter sports activities undertaken in the UK and in Europe outside the period from 15th December to 15th April in relation to point 6
- Any loss or theft of or damage to your winter sports equipment whilst in use
- Any loss of or damage to your winter sports equipment arising from confiscation or detention by Customs or other officials
- Any loss of or damage to your winter sports equipment caused by normal wear and tear, gradual deterioration or mechanical or electrical breakdown, decay, moth, vermin, atmospheric or climatic conditions
- Any loss or theft of or damage to your winter sports equipment whilst in the custody of an airline or other carrier unless you report it immediately on discovery to the carrier and get a written report. In the case of an airline you will need a Property Irregularity Report (PIR)
- Any loss or theft of your winter sports equipment or ski pass that you do not report to the Police within 24 hours of discovery and for which you do not get a written report from them
- Any loss or theft of your winter sports equipment or ski pass left out of sight and out of personal control in public places where you are not in a position to prevent unauthorised interference with your property e.g. station, airport, restaurant etc
- Any loss or theft of your winter sports equipment or ski pass from an unattended vehicle unless between the hours of 09:00 and 21:00 whereby your winter sports equipment was secured within a purpose built and locked container fastened to the exterior of the vehicle and following physical evidence of forcible entry and reported to the Police within 24 hours of discovery and a written report is obtained from them
- Any loss or theft of your winter sports equipment or ski pass left in the custody of a person who does not have official responsibility for the safekeeping of the property
- Any claim that is not confirmed as medically necessary by the Emergency Medical Assistance Helpline and where a medical certificate has not been obtained from the attending medical practitioner confirming that you are unable to ski and unable to use the ski pack facilities
- Any claim as a result of piste closure which is not substantiated by a report from the resort management or your tour operator
- Any claim as a result of piste closure which was known to you on or before the date your Policy Schedule is issued or on or before the date you booked your trip, whichever is earlier
- Anything specifically excluded under the General exclusions section of your policy on pages 54 and 55.
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Section 12: Winter Sports
This section only applies if you have chosen to include this cover and this is shown on your Policy Schedule. If you are participating in a winter sports trip you must take out this section of cover in order to claim against any section of your policy.
This section of your policy explains the cover we provide for winter sports whilst on your trip. Words with special meanings are printed in bold type and can be found on pages 17-19.
Cover is provided under this section (up to a maximum of 24 days in total during the insurance period if you have multi trip insurance or for the trip duration if you have single trip insurance) whilst you are on a trip which includes skiing, snowboarding, or participating in any snow or ice activities including off-piste skiing (provided you are accompanied by a qualified ski instructor who holds the appropriate liability insurance and that there are no avalanche warnings current).
What IS covered:
1. Loss or theft of or damage to your winter sports equipment; and
2. Your hire of winter sports equipment if required as a result of point 1 above; and 3. Your hire of winter sports equipment if required as a result of the misdirection or delay on your outward journey of your winter sports equipment for more than 12 hours; and
4. Reimbursement of any unused ski pack, ski hire or tuition fees as a result of your accident or sickness; and
5. Loss or theft of your ski pass; and
6. Piste closure, if you are unable to ski for a continuous period in excess of 12 hours as a result of:
- Lack of snowfall
- Excessive snowfall
- Bad weather
We will pay you up to £500 (£100 if winter sports equipment is hired) to:
- Replace, reinstate or repair your winter sports equipment
Claims will be considered on a new for old basis provided the item is less than 2 years old at the date of the incident and you are able to provide the original purchase receipt. All other items will be subject to a suitable deduction for wear and tear and depreciation or we may at our option replace, reinstate or repair the lost, stolen or damaged winter sports equipment. Please note we may not pay your claim if you are unable to provide any original receipts, proofs of purchase or insurance valuations (issued before the loss, theft or damage). You must retain all damaged items for inspection, if required.
We will pay you £20 per day (up to a maximum of £300) for:
- Your hire of winter sports equipment in relation to points 2 and 3
We will pay you up to £200 per 7 day period (up to a maximum of £400) to:
- Reimburse you the proportionate value of any unused ski pack in relation to points 4 and 5
We will pay you £30 per day (up to a maximum of £300):
- As a benefit in relation to point 6; or
- Towards transportation costs to travel to an alternative site in relation to point 6
What IS NOT covered:
- The excess for claims under point 1 (unless the appropriate additional premium for excess waiver has been paid and is shown on your Policy Schedule)
- Any claim as a result of participation in off-piste skiing whereby you are not accompanied by a qualified ski instructor who holds the appropriate liability insurance
- Any claim as a result of participation in winter sports activities when avalanche warnings are current
- Any claim as a result of participation in winter sports activities undertaken in the UK and in Europe outside the period from 15th December to 15th April in relation to point 6
- Any loss or theft of or damage to your winter sports equipment whilst in use
- Any loss of or damage to your winter sports equipment arising from confiscation or detention by Customs or other officials
- Any loss of or damage to your winter sports equipment caused by normal wear and tear, gradual deterioration or mechanical or electrical breakdown, decay, moth, vermin, atmospheric or climatic conditions
- Any loss or theft of or damage to your winter sports equipment whilst in the custody of an airline or other carrier unless you report it immediately on discovery to the carrier and get a written report. In the case of an airline you will need a Property Irregularity Report (PIR)
- Any loss or theft of your winter sports equipment or ski pass that you do not report to the Police within 24 hours of discovery and for which you do not get a written report from them
- Any loss or theft of your winter sports equipment or ski pass left out of sight and out of personal control in public places where you are not in a position to prevent unauthorised interference with your property e.g. station, airport, restaurant etc
- Any loss or theft of your winter sports equipment or ski pass from an unattended vehicle unless between the hours of 09:00 and 21:00 whereby your winter sports equipment was secured within a purpose built and locked container fastened to the exterior of the vehicle and following physical evidence of forcible entry and reported to the Police within 24 hours of discovery and a written report is obtained from them
- Any loss or theft of your winter sports equipment or ski pass left in the custody of a person who does not have official responsibility for the safekeeping of the property
- Any claim that is not confirmed as medically necessary by the Emergency Medical Assistance Helpline and where a medical certificate has not been obtained from the attending medical practitioner confirming that you are unable to ski and unable to use the ski pack facilities
- Any claim as a result of piste closure which is not substantiated by a report from the resort management or your tour operator
- Any claim as a result of piste closure which was known to you on or before the date your Policy Schedule is issued or on or before the date you booked your trip, whichever is earlier
- Anything specifically excluded under the General exclusions section of your policy on pages 54 and 55.
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Cover is provided under this section (up to a maximum of 24 days in total during the insurance period if you have multi trip insurance or for the trip duration if you have single trip insurance) whilst you are on a trip which includes skiing, snowboarding, or participating in any snow or ice activities including off-piste skiing (provided you are accompanied by a qualified ski instructor who holds the appropriate liability insurance and that there are no avalanche warnings current).collapse

Section 9: Personal Baggage/Delayed Baggage
This section only applies if you have chosen to include this cover and this is shown on your Policy Schedule.
This section of your policy explains the cover we provide for your personal baggage and delayed baggage whilst on your trip.Words with special meanings can be found on pages 17-19.
What IS covered:
1. Loss or theft of or damage to your personal baggage.
We will pay you up to the amount shown on your Policy Schedule to:
- Replace, reinstate or repair your personal baggage
Claims will be considered on a new for old basis provided the item is less than 2 years old at the date of the incident and you are able to provide the original purchase receipt. All other items will be subject to a suitable deduction for wear and tear and depreciation or we may at our option replace, reinstate or repair the lost, stolen or damaged personal baggage. Please note we may not pay your claim if you are unable to provide any original receipts, proofs of purchase or insurance valuations (issued before the loss, theft or damage). You must retain all damaged items for inspection, if required.
2. Your personal baggage being mislaid on your outward journey for more than 12 hours from the time you arrive at your trip destination.
We will pay you up to £200 or £100 (Basics Cover) to:
- Purchase essential toiletries, medication and clothing (in the event of point 2 above)
You must keep all receipts for essential purchases made and any amount paid will be deducted from the final claim settlement under this section if the items are permanently lost.
What IS NOT covered:
- The excess (unless the appropriate additional premium for excess waiver has been paid and is shown on your Policy Schedule)
- Any claim over £300 or £250 (Basics Cover) for one article, pair or set of articles which are complementary or used or worn together
- Any claim over £500 or £250 (Basics Cover) in total for valuables
- Any loss or theft of your personal baggage that you do not report to the Police within 24 hours of discovery and for which you do not get a written report from them
- Any loss or theft of or damage to your personal baggage whilst in the custody of an airline or other carrier unless you report it immediately on discovery to the carrier and get a written report. In the case of an airline you will need a Property Irregularity Report (PIR)
- Any winter sports equipment (this is covered under the Winter Sports section, if the appropriate additional premium has been paid)
- Any golf equipment (this is covered under the Golf Cover section, if the appropriate additional premium has been paid)
- Any loss or theft of or damage to fragile articles, contact or corneal lenses, spectacles, prescription sunglasses, bicycles or business goods or samples
- Any loss or theft of or damage to sports equipment whilst in use
- Any loss of or damage to your personal baggage caused by normal wear and tear, gradual deterioration or mechanical or electrical breakdown, decay, moth, vermin, atmospheric or climatic conditions
- Any loss or theft of your personal baggage left out of sight and out of personal control in public places where you are not in a position to prevent unauthorised interference with your property e.g. station, airport, restaurant, beach, etc.
- Any loss or theft of or damage to your valuables unless they are at all times attended by you, or left in hotel security, safety deposit box, safe or similar locked fixed receptacle
- Any loss or theft of your personal baggage or valuables from an unattended vehicle unless between the hours of 09:00 and 21:00 and locked in the boot, covered luggage area or locked glove compartment and following physical evidence of forcible entry and reported to the Police within 24 hours of discovery and a written report is obtained from them
- Any loss of or damage to your valuables (other than wedding rings) while you are swimming
- Any loss or theft of your personal baggage left in the custody of a person who does not have official responsibility for the safekeeping of the property
- Any delayed baggage claim without a proof of purchase
- Anything specifically excluded under the General exclusions section of your policy on pages 54 and 55.
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Section 9: Personal Baggage/Delayed Baggage
This section only applies if you have chosen to include this cover and this is shown on your Policy Schedule.
This section of your policy explains the cover we provide for your personal baggage and delayed baggage whilst on your trip.Words with special meanings can be found on pages 17-19.
What IS covered:
1. Loss or theft of or damage to your personal baggage.
We will pay you up to the amount shown on your Policy Schedule to:
- Replace, reinstate or repair your personal baggage
Claims will be considered on a new for old basis provided the item is less than 2 years old at the date of the incident and you are able to provide the original purchase receipt. All other items will be subject to a suitable deduction for wear and tear and depreciation or we may at our option replace, reinstate or repair the lost, stolen or damaged personal baggage. Please note we may not pay your claim if you are unable to provide any original receipts, proofs of purchase or insurance valuations (issued before the loss, theft or damage). You must retain all damaged items for inspection, if required.
2. Your personal baggage being mislaid on your outward journey for more than 12 hours from the time you arrive at your trip destination.
We will pay you up to £200 or £100 (Basics Cover) to:
- Purchase essential toiletries, medication and clothing (in the event of point 2 above)
You must keep all receipts for essential purchases made and any amount paid will be deducted from the final claim settlement under this section if the items are permanently lost.
What IS NOT covered:
- The excess (unless the appropriate additional premium for excess waiver has been paid and is shown on your Policy Schedule)
- Any claim over £300 or £250 (Basics Cover) for one article, pair or set of articles which are complementary or used or worn together
- Any claim over £500 or £250 (Basics Cover) in total for valuables
- Any loss or theft of your personal baggage that you do not report to the Police within 24 hours of discovery and for which you do not get a written report from them
- Any loss or theft of or damage to your personal baggage whilst in the custody of an airline or other carrier unless you report it immediately on discovery to the carrier and get a written report. In the case of an airline you will need a Property Irregularity Report (PIR)
- Any winter sports equipment (this is covered under the Winter Sports section, if the appropriate additional premium has been paid)
- Any golf equipment (this is covered under the Golf Cover section, if the appropriate additional premium has been paid)
- Any loss or theft of or damage to fragile articles, contact or corneal lenses, spectacles, prescription sunglasses, bicycles or business goods or samples
- Any loss or theft of or damage to sports equipment whilst in use
- Any loss of or damage to your personal baggage caused by normal wear and tear, gradual deterioration or mechanical or electrical breakdown, decay, moth, vermin, atmospheric or climatic conditions
- Any loss or theft of your personal baggage left out of sight and out of personal control in public places where you are not in a position to prevent unauthorised interference with your property e.g. station, airport, restaurant, beach, etc.
- Any loss or theft of or damage to your valuables unless they are at all times attended by you, or left in hotel security, safety deposit box, safe or similar locked fixed receptacle
- Any loss or theft of your personal baggage or valuables from an unattended vehicle unless between the hours of 09:00 and 21:00 and locked in the boot, covered luggage area or locked glove compartment and following physical evidence of forcible entry and reported to the Police within 24 hours of discovery and a written report is obtained from them
- Any loss of or damage to your valuables (other than wedding rings) while you are swimming
- Any loss or theft of your personal baggage left in the custody of a person who does not have official responsibility for the safekeeping of the property
- Any delayed baggage claim without a proof of purchase
- Anything specifically excluded under the General exclusions section of your policy on pages 54 and 55.
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Section 9: Personal Baggage/Delayed Baggage
This section only applies if you have chosen to include this cover and this is shown on your Policy Schedule.
This section of your policy explains the cover we provide for your personal baggage and delayed baggage whilst on your trip.Words with special meanings can be found on pages 17-19.
What IS covered:
1. Loss or theft of or damage to your personal baggage.
We will pay you up to the amount shown on your Policy Schedule to:
- Replace, reinstate or repair your personal baggage
Claims will be considered on a new for old basis provided the item is less than 2 years old at the date of the incident and you are able to provide the original purchase receipt. All other items will be subject to a suitable deduction for wear and tear and depreciation or we may at our option replace, reinstate or repair the lost, stolen or damaged personal baggage. Please note we may not pay your claim if you are unable to provide any original receipts, proofs of purchase or insurance valuations (issued before the loss, theft or damage). You must retain all damaged items for inspection, if required.
2. Your personal baggage being mislaid on your outward journey for more than 12 hours from the time you arrive at your trip destination.
We will pay you up to £200 or £100 (Basics Cover) to:
- Purchase essential toiletries, medication and clothing (in the event of point 2 above)
You must keep all receipts for essential purchases made and any amount paid will be deducted from the final claim settlement under this section if the items are permanently lost.
What IS NOT covered:
- The excess (unless the appropriate additional premium for excess waiver has been paid and is shown on your Policy Schedule)
- Any claim over £300 or £250 (Basics Cover) for one article, pair or set of articles which are complementary or used or worn together
- Any claim over £500 or £250 (Basics Cover) in total for valuables
- Any loss or theft of your personal baggage that you do not report to the Police within 24 hours of discovery and for which you do not get a written report from them
- Any loss or theft of or damage to your personal baggage whilst in the custody of an airline or other carrier unless you report it immediately on discovery to the carrier and get a written report. In the case of an airline you will need a Property Irregularity Report (PIR)
- Any winter sports equipment (this is covered under the Winter Sports section, if the appropriate additional premium has been paid)
- Any golf equipment (this is covered under the Golf Cover section, if the appropriate additional premium has been paid)
- Any loss or theft of or damage to fragile articles, contact or corneal lenses, spectacles, prescription sunglasses, bicycles or business goods or samples
- Any loss or theft of or damage to sports equipment whilst in use
- Any loss of or damage to your personal baggage caused by normal wear and tear, gradual deterioration or mechanical or electrical breakdown, decay, moth, vermin, atmospheric or climatic conditions
- Any loss or theft of your personal baggage left out of sight and out of personal control in public places where you are not in a position to prevent unauthorised interference with your property e.g. station, airport, restaurant, beach, etc.
- Any loss or theft of or damage to your valuables unless they are at all times attended by you, or left in hotel security, safety deposit box, safe or similar locked fixed receptacle
- Any loss or theft of your personal baggage or valuables from an unattended vehicle unless between the hours of 09:00 and 21:00 and locked in the boot, covered luggage area or locked glove compartment and following physical evidence of forcible entry and reported to the Police within 24 hours of discovery and a written report is obtained from them
- Any loss of or damage to your valuables (other than wedding rings) while you are swimming
- Any loss or theft of your personal baggage left in the custody of a person who does not have official responsibility for the safekeeping of the property
- Any delayed baggage claim without a proof of purchase
- Anything specifically excluded under the General exclusions section of your policy on pages 54 and 55.
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Section 5: Travel Delay/Missed Departure
This section of your policy explains the cover we provide for travel delay or missed departure whilst on your trip.Words with special meanings can be found on pages 17-19.
What IS covered:
1. A delay resulting in you departing at least 12 hours after your original scheduled departure time; and
2. Abandonment of your trip following a 12 hour delay at your first international departure point in the UK; and
3. Arriving too late (as shown on your ticket) to board your booked transport at your last departure point from the UK or your last departure point for your return to the UK as a result of:
a) Public transport services failing to get you to your departure point due to strike, industrial action, adverse weather conditions, mechanical failure or direct involvement in an accident; or
b) The private motor vehicle in which you are travelling being directly involved in an accident or breaking down.
Point 3 is not applicable if you have selected Basics Cover.
We will pay you £30 or £20 (Basics Cover) as a:
- Benefit for the first complete 12 hours of your delay, then
We will pay you £20 or £10 (Basics Cover) (up to a maximum of £250 or £200 for Basics Cover) as a:
- Benefit for every complete 12 hour delay after that; or
We will pay you up to the amount shown on your Policy Schedule to:
- Refund your share of the cost of your trip as a result of point 2 above (under section 2: Cancellation/Cutting Short your Trip); or
We will pay you up to £1,000 for:
- Your reasonable and necessary extra travel and accommodation expenses (room only) to allow you to get to your trip destination or to return home as result of point 3 above
Please note for residents of the Channel Islands, Northern Ireland and Isle of Man, cover will also be provided for the cost of a flight or sea vessel journey interconnecting with the last flight or sea vessel journey from the international departure point from or to mainland UK or other European terminal.
What IS NOT covered:
- Any trips within the UK (except for trips to the Channel Islands).
- Any claim unless you have written confirmation from the carrier or their handling agents detailing the reason for the delay, the scheduled departure time and the actual departure time.
- Any additional expenses incurred as a result of a delay to your original scheduled departure time.
- Any claim where the carrier or their handling agents provide alternative transport which departs within 12 hours of the original scheduled departure time.
- Any claim as a result of the airline over booking your flight.
- Any claim as a result of strike or industrial action, delays or disruptions arising from weather conditions which had started or were publicly declared on or before the date your Policy Schedule is issued or on or before the date you booked your trip, whichever is later.
- Any claim as a result of your failure to check-in at your departure point by the time shown on your travel itinerary except in those circumstances outlined in point 3 opposite.
- Any claim as a result of heavy traffic, road closures or an accident that you are not directly involved in.
- Any claim as a result of your failure to allow sufficient time for the public transport to arrive on schedule and deliver you to your departure point.
- Any claim as a result of your private motor vehicle in which you are travelling not having been properly serviced and maintained, in the event of vehicle breakdown.
- Anything specifically excluded under the General exclusions section of your policy on page 54 and 55.
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Section 2: Cancellation/Cutting Short your Trip
The Cancellation section applies unless you have opted to remove this cover.
This section of your policy explains the cover we provide if you cancel or cut short your trip.
Words with special meaning can be found on pages 17-19.
Please note Cancellation cover terminates at the start of your trip.
What IS covered:
1. Unused non-refundable pre-booked travel and accommodation expenses which you have paid or are contracted to pay; and
2. Unused non-refundable pre-booked excursions which you have paid or are contracted to pay; and
3. Reasonable additional travel and accommodation expenses which you incur returning to the UK which on medical advice is necessary and unavoidable as a result of bullet point 1 below.
Please note if you are cutting short your trip payments will be calculated on a pro-rata basis taking into consideration unused accommodation and excursions.
We will pay you up to the amount shown on your Policy Schedule (unless a different limit is shown on your Policy Schedule) for your share of the cost of your trip as a result of:
- The death, injury or illness, as certified by a medical practitioner, of you, your relative or colleague or travelling companion or a friend or relative with whom you had arranged to stay; or
- Your attendance at a court of law as a witness or for Jury Service where postponement of the Jury Service has been denied by the Clerk of the Courts Office; or
- You or your travelling companion is a member of the Armed Forces, Police, Ambulance, Fire or Nursing Service and authorised leave is cancelled due to an unexpected emergency or a posting overseas
at the time of your trip; or
- You or your travelling companion are instructed to stay at home (within 14 days of your departure date) or return home by a relevant authority due to severe damage to your home or place of business in the UK
caused by serious fire, explosion, storm, flood, subsidence or burglary; or
- the Foreign & Commonwealth Office (FCO) declaring either of the following:
- Your compulsory quarantine preventing you from travelling.
- Your destination is unsafe to visit and they advise against all travel; or
- Your redundancy or that of your travelling companion or your spouse (including a civil partner or co-habitee); or
- Your cancellation of the trip as a result of a Travel Delay (section 5) where the delay is in excess of 12 hours from the first international departure time specified in your official itinerary.
Please note we may instruct you to return home if our medical advisers and the medical practitioner treating you decide that you are fit to travel.
What IS NOT covered:
- The excess (unless the appropriate additional premium for excess waiver has been paid and is shown on your Policy Schedule)
- Any costs arising from your pregnancy or childbirth if the expected date of delivery is less than 12 weeks (16 weeks for a multiple birth) after the end of the trip
- Any claim as a result of your decision to cancel/cut short your trip for reasons other than those listed within this section.
- Any additional expenses resulting from you not cancelling or cutting short your trip as soon as reasonably possible.
- Any claim as a result of your failure to have the required passport or visa.
- Any claim as a result of the failure in provision of any service connected with your trip including error, omission, financial failure, or default of, or by the provider of, any service, travel agent, tour operator or organiser through whom you booked the trip.
- Any claim as a result of death or illness of any pet or animals with exception of guide dogs.
- Any claim as a result of your disinclination to travel or personal or financial circumstances (other than you being made redundant).
- Any loss in respect of Air Passenger Duty (this can be reclaimed by you through your travel agent or airline) or credit card charges
- Any claim as a result of the death, injury or illness of any person if their specific medical condition was known on or before the date your Policy Schedule is issued or on or before the date you booked your trip, whichever is later
- Any claim as a result of your late arrival at the airport, port or station after check-in or booking-in time
- Any claim as a result of the operation of law or any unlawful or criminal proceedings of anyone on whom the trip depends, other than attendance as a witness at a Court of Law
- Any claim as a result of strike, industrial action, delays or disruptions if the situation exists, or is publicly declared on or before the date your Policy Schedule is issued or on or before the date you booked your trip, whichever is later
- Any additional travel and accommodation expenses incurred that are not considered necessary or authorised by the Emergency Medical Assistance Helpline in advance
- Any loss of enjoyment of the trip however caused
- Any claim as a result of your participation in a winter sports activity (unless you have paid the additional Winter Sports premium and this is shown on your Policy Schedule)
- Any unused or refundable portion of your original travel ticket where repatriation has been made
- Any claim as a result of your failure to have a pre-paid return ticket to the UK at the start of your trip unless otherwise agreed by us in writing
- Anything specifically excluded under the General exclusions section of your policy on pages 54 and 55.
Please note you cannot claim under both this section and section 5: Travel Delay/Missed Departure for the same event or series of events.
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Section 5: Travel Delay/Missed Departure
This section of your policy explains the cover we provide for travel delay or missed departure whilst on your trip.Words with special meanings can be found on pages 17-19.
What IS covered:
1. A delay resulting in you departing at least 12 hours after your original scheduled departure time; and
2. Abandonment of your trip following a 12 hour delay at your first international departure point in the UK; and
3. Arriving too late (as shown on your ticket) to board your booked transport at your last departure point from the UK or your last departure point for your return to the UK as a result of:
a) Public transport services failing to get you to your departure point due to strike, industrial action, adverse weather conditions, mechanical failure or direct involvement in an accident; or
b) The private motor vehicle in which you are travelling being directly involved in an accident or breaking down.
Point 3 is not applicable if you have selected Basics Cover.
We will pay you £30 or £20 (Basics Cover) as a:
- Benefit for the first complete 12 hours of your delay, then
We will pay you £20 or £10 (Basics Cover) (up to a maximum of £250 or £200 for Basics Cover) as a:
- Benefit for every complete 12 hour delay after that; or
We will pay you up to the amount shown on your Policy Schedule to:
- Refund your share of the cost of your trip as a result of point 2 above (under section 2: Cancellation/Cutting Short your Trip); or
We will pay you up to £1,000 for:
- Your reasonable and necessary extra travel and accommodation expenses (room only) to allow you to get to your trip destination or to return home as result of point 3 above
Please note for residents of the Channel Islands, Northern Ireland and Isle of Man, cover will also be provided for the cost of a flight or sea vessel journey interconnecting with the last flight or sea vessel journey from the international departure point from or to mainland UK or other European terminal.
What IS NOT covered:
- Any trips within the UK (except for trips to the Channel Islands).
- Any claim unless you have written confirmation from the carrier or their handling agents detailing the reason for the delay, the scheduled departure time and the actual departure time.
- Any additional expenses incurred as a result of a delay to your original scheduled departure time.
- Any claim where the carrier or their handling agents provide alternative transport which departs within 12 hours of the original scheduled departure time.
- Any claim as a result of the airline over booking your flight.
- Any claim as a result of strike or industrial action, delays or disruptions arising from weather conditions which had started or were publicly declared on or before the date your Policy Schedule is issued or on or before the date you booked your trip, whichever is later.
- Any claim as a result of your failure to check-in at your departure point by the time shown on your travel itinerary except in those circumstances outlined in point 3 opposite.
- Any claim as a result of heavy traffic, road closures or an accident that you are not directly involved in.
- Any claim as a result of your failure to allow sufficient time for the public transport to arrive on schedule and deliver you to your departure point.
- Any claim as a result of your private motor vehicle in which you are travelling not having been properly serviced and maintained, in the event of vehicle breakdown.
- Anything specifically excluded under the General exclusions section of your policy on page 54 and 55.
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Section 11: Scheduled Airline Failure
(this section does not apply if you have selected Basics Cover)
Special definition: Scheduled airline
An airline that publishes a timetable and operates its service to a distinct schedule and sells to the public at large.
What IS covered:
We will pay up to £1,500 in total for each insured person named on the policy and airline ticket for:
1. Irrecoverable flight costs paid in advance in the event of insolvency of the scheduled airline not forming part of an inclusive holiday prior to departure; or
2. In the event of insolvency after departure:
a) additional pro rata costs incurred by the insured person in replacing that part of the flight arrangements to a similar standard to that originally booked; or
b) if abandonment of the holiday is unavoidable - the cost of return flights to the UK to a similar standard to that originally booked.
What IS NOT covered:
- Scheduled flights not booked within the UK.
- Scheduled flights not booked through a bonded travel agent or direct with a scheduled airline.
- The financial failure of:
a) any scheduled airline which is insolvent at the date of issue of the travel insurance policy or booking.
b) any scheduled airline who is bonded or insured elsewhere (even if the bond is insufficient to meet the claims).
c) any travel agent, tour organiser, booking agent or consolidator with whom the insured person has booked a scheduled flight.
- Costs which you can recover from elsewhere. For example, payments recoverable from your credit card issuer.
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Section 9: Personal Baggage/Delayed Baggage
This section only applies if you have chosen to include this cover and this is shown on your Policy Schedule.
This section of your policy explains the cover we provide for your personal baggage and delayed baggage whilst on your trip.Words with special meanings can be found on pages 17-19.
What IS covered:
1. Loss or theft of or damage to your personal baggage.
We will pay you up to the amount shown on your Policy Schedule to:
- Replace, reinstate or repair your personal baggage
Claims will be considered on a new for old basis provided the item is less than 2 years old at the date of the incident and you are able to provide the original purchase receipt. All other items will be subject to a suitable deduction for wear and tear and depreciation or we may at our option replace, reinstate or repair the lost, stolen or damaged personal baggage. Please note we may not pay your claim if you are unable to provide any original receipts, proofs of purchase or insurance valuations (issued before the loss, theft or damage). You must retain all damaged items for inspection, if required.
2. Your personal baggage being mislaid on your outward journey for more than 12 hours from the time you arrive at your trip destination.
We will pay you up to £200 or £100 (Basics Cover) to:
- Purchase essential toiletries, medication and clothing (in the event of point 2 above)
You must keep all receipts for essential purchases made and any amount paid will be deducted from the final claim settlement under this section if the items are permanently lost.
What IS NOT covered:
- The excess (unless the appropriate additional premium for excess waiver has been paid and is shown on your Policy Schedule)
- Any claim over £300 or £250 (Basics Cover) for one article, pair or set of articles which are complementary or used or worn together
- Any claim over £500 or £250 (Basics Cover) in total for valuables
- Any loss or theft of your personal baggage that you do not report to the Police within 24 hours of discovery and for which you do not get a written report from them
- Any loss or theft of or damage to your personal baggage whilst in the custody of an airline or other carrier unless you report it immediately on discovery to the carrier and get a written report. In the case of an airline you will need a Property Irregularity Report (PIR)
- Any winter sports equipment (this is covered under the Winter Sports section, if the appropriate additional premium has been paid)
- Any golf equipment (this is covered under the Golf Cover section, if the appropriate additional premium has been paid)
- Any loss or theft of or damage to fragile articles, contact or corneal lenses, spectacles, prescription sunglasses, bicycles or business goods or samples
- Any loss or theft of or damage to sports equipment whilst in use
- Any loss of or damage to your personal baggage caused by normal wear and tear, gradual deterioration or mechanical or electrical breakdown, decay, moth, vermin, atmospheric or climatic conditions
- Any loss or theft of your personal baggage left out of sight and out of personal control in public places where you are not in a position to prevent unauthorised interference with your property e.g. station, airport, restaurant, beach, etc.
- Any loss or theft of or damage to your valuables unless they are at all times attended by you, or left in hotel security, safety deposit box, safe or similar locked fixed receptacle
- Any loss or theft of your personal baggage or valuables from an unattended vehicle unless between the hours of 09:00 and 21:00 and locked in the boot, covered luggage area or locked glove compartment and following physical evidence of forcible entry and reported to the Police within 24 hours of discovery and a written report is obtained from them
- Any loss of or damage to your valuables (other than wedding rings) while you are swimming
- Any loss or theft of your personal baggage left in the custody of a person who does not have official responsibility for the safekeeping of the property
- Any delayed baggage claim without a proof of purchase
- Anything specifically excluded under the General exclusions section of your policy on pages 54 and 55.
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Section 5: Travel Delay/Missed Departure
This section of your policy explains the cover we provide for travel delay or missed departure whilst on your trip.Words with special meanings can be found on pages 17-19.
What IS covered:
1. A delay resulting in you departing at least 12 hours after your original scheduled departure time; and
2. Abandonment of your trip following a 12 hour delay at your first international departure point in the UK; and
3. Arriving too late (as shown on your ticket) to board your booked transport at your last departure point from the UK or your last departure point for your return to the UK as a result of:
a) Public transport services failing to get you to your departure point due to strike, industrial action, adverse weather conditions, mechanical failure or direct involvement in an accident; or
b) The private motor vehicle in which you are travelling being directly involved in an accident or breaking down.
Point 3 is not applicable if you have selected Basics Cover.
We will pay you £30 or £20 (Basics Cover) as a:
- Benefit for the first complete 12 hours of your delay, then
We will pay you £20 or £10 (Basics Cover) (up to a maximum of £250 or £200 for Basics Cover) as a:
- Benefit for every complete 12 hour delay after that; or
We will pay you up to the amount shown on your Policy Schedule to:
- Refund your share of the cost of your trip as a result of point 2 above (under section 2: Cancellation/Cutting Short your Trip); or
We will pay you up to £1,000 for:
- Your reasonable and necessary extra travel and accommodation expenses (room only) to allow you to get to your trip destination or to return home as result of point 3 above
Please note for residents of the Channel Islands, Northern Ireland and Isle of Man, cover will also be provided for the cost of a flight or sea vessel journey interconnecting with the last flight or sea vessel journey from the international departure point from or to mainland UK or other European terminal.
What IS NOT covered:
- Any trips within the UK (except for trips to the Channel Islands).
- Any claim unless you have written confirmation from the carrier or their handling agents detailing the reason for the delay, the scheduled departure time and the actual departure time.
- Any additional expenses incurred as a result of a delay to your original scheduled departure time.
- Any claim where the carrier or their handling agents provide alternative transport which departs within 12 hours of the original scheduled departure time.
- Any claim as a result of the airline over booking your flight.
- Any claim as a result of strike or industrial action, delays or disruptions arising from weather conditions which had started or were publicly declared on or before the date your Policy Schedule is issued or on or before the date you booked your trip, whichever is later.
- Any claim as a result of your failure to check-in at your departure point by the time shown on your travel itinerary except in those circumstances outlined in point 3 opposite.
- Any claim as a result of heavy traffic, road closures or an accident that you are not directly involved in.
- Any claim as a result of your failure to allow sufficient time for the public transport to arrive on schedule and deliver you to your departure point.
- Any claim as a result of your private motor vehicle in which you are travelling not having been properly serviced and maintained, in the event of vehicle breakdown.
- Anything specifically excluded under the General exclusions section of your policy on page 54 and 55.
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Section 5: Travel Delay/Missed Departure
This section of your policy explains the cover we provide for travel delay or missed departure whilst on your trip.Words with special meanings can be found on pages 17-19.
What IS covered:
1. A delay resulting in you departing at least 12 hours after your original scheduled departure time; and
2. Abandonment of your trip following a 12 hour delay at your first international departure point in the UK; and
3. Arriving too late (as shown on your ticket) to board your booked transport at your last departure point from the UK or your last departure point for your return to the UK as a result of:
a) Public transport services failing to get you to your departure point due to strike, industrial action, adverse weather conditions, mechanical failure or direct involvement in an accident; or
b) The private motor vehicle in which you are travelling being directly involved in an accident or breaking down.
Point 3 is not applicable if you have selected Basics Cover.
We will pay you £30 or £20 (Basics Cover) as a:
- Benefit for the first complete 12 hours of your delay, then
We will pay you £20 or £10 (Basics Cover) (up to a maximum of £250 or £200 for Basics Cover) as a:
- Benefit for every complete 12 hour delay after that; or
We will pay you up to the amount shown on your Policy Schedule to:
- Refund your share of the cost of your trip as a result of point 2 above (under section 2: Cancellation/Cutting Short your Trip); or
We will pay you up to £1,000 for:
- Your reasonable and necessary extra travel and accommodation expenses (room only) to allow you to get to your trip destination or to return home as result of point 3 above
Please note for residents of the Channel Islands, Northern Ireland and Isle of Man, cover will also be provided for the cost of a flight or sea vessel journey interconnecting with the last flight or sea vessel journey from the international departure point from or to mainland UK or other European terminal.
What IS NOT covered:
- Any trips within the UK (except for trips to the Channel Islands).
- Any claim unless you have written confirmation from the carrier or their handling agents detailing the reason for the delay, the scheduled departure time and the actual departure time.
- Any additional expenses incurred as a result of a delay to your original scheduled departure time.
- Any claim where the carrier or their handling agents provide alternative transport which departs within 12 hours of the original scheduled departure time.
- Any claim as a result of the airline over booking your flight.
- Any claim as a result of strike or industrial action, delays or disruptions arising from weather conditions which had started or were publicly declared on or before the date your Policy Schedule is issued or on or before the date you booked your trip, whichever is later.
- Any claim as a result of your failure to check-in at your departure point by the time shown on your travel itinerary except in those circumstances outlined in point 3 opposite.
- Any claim as a result of heavy traffic, road closures or an accident that you are not directly involved in.
- Any claim as a result of your failure to allow sufficient time for the public transport to arrive on schedule and deliver you to your departure point.
- Any claim as a result of your private motor vehicle in which you are travelling not having been properly serviced and maintained, in the event of vehicle breakdown.
- Anything specifically excluded under the General exclusions section of your policy on page 54 and 55.
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Reciprocal healthcare agreement:
If you are travelling to countries in the European Union (except for the UK), Iceland, Lichtenstein, Norway or Switzerland, we strongly recommend that you take a valid European Health Insurance Card (EHIC). You can apply online at www.dh.gov.uk/travellers, apply by phone on 0845 606 2030? or get an application form from the Post Office. This will entitle you to free healthcare arrangements under a reciprocal agreement between these countries.
Use of your EHIC will result in waiver of the policy excess under section 1: Medical Emergency and Repatriation Expenses.
If you require medical treatment in Australia or New Zealand you must enrol with a local Medicare office. You do not need to enrol on arrival but you should do this after the first occasion you receive treatment. In-patient and out-patient treatment at a public hospital is then available free of charge. Details of how to enrol and the free treatment available can be found online at www.dh.gov.uk/travellers.
?Calls from BT landlines will cost a maximum of 5p per minute. The price of calls from other telephone companies will vary.collapse