Travel-insurance-web.com Superior Annual Multi Trip (31 days)

SECTION 4 EMERGENCY MEDICAL EXPENSES / REPATRIATION Covered This section includes cover for claims resulting from terrorism. You are covered up to the...expand

SECTION 4 EMERGENCY MEDICAL EXPENSES / REPATRIATION
Covered
This section includes cover for claims resulting from terrorism. You are covered up to the amount specified on your policy schedule for costs incurred outside your country of residence for:
1. reasonable emergency medical treatment (including necessary physiotherapy but only when authorised by the assistance service);
2. emergency dental treatment (for pain relief only), limited to the amount specified on your policy schedule;
3. necessary additional travelling expenses (on the same basis as your original booking) and reasonable and necessary additional accommodation expenses (bed and breakfast only). This includes those of one relative or travel companion if you have to be accompanied home on medical advice or on compassionate grounds or if you are a child and require an escort home (in the event that they have applied for and received written authorisation from the assistance service);
4. repatriation to your home by medically appropriate means, as determined by the assistance service;
5. in the event of your death: reasonable costs for the transport of your body or ashes to your country of residence (the cost of burial or cremation is not included); or local funeral expenses abroad, limited to the amount specified on your policy schedule.
6. reasonable emergency medical expenses for complications in pregnancy, provided you have not had any complications in pregnancy with this or any previous pregnancy.
Conditions
1. You must contact the assistance service immediately should you be admitted to hospital or require on-going out-patient treatment overseas.
2. All treatment or expenses must be authorised by the assistance service.
3. You must maintain contact with the assistance service until your return to your country of residence or until you no longer require treatment or assistance.
4. If you are travelling to a country in the European Union, you must take an EHIC (European Health Insurance Card) with you. We will waive the policy excess under this Section if you use the EHIC or another reciprocal health agreement to reduce the amount of your claim.
5. If you require medical treatment in Australia, you must register with Medicare via their local office. (Any treatment not available under Medicare must be authorised by the assistance service).
6. In the event of repatriation, if you do not have an original return travel ticket, you may not be covered for costs incurred in your repatriation. Any value remaining in unused original return travel tickets which is recoverable shall be deducted from the amount of the claim.
7. We reserve the right to:
a. repatriate you when, in the opinion of the treating doctor and the assistance service, you are fit to travel;
b. avoid further liability in the event that you refuse repatriation when, in the opinion of the treating doctor and the assistance service, you are fit to travel;
c. transfer you to the hospital, clinic or location of our choice when, in the opinion of the treating doctor and the assistance service, you are fit to be transferred.
Not Covered
1. the policy excess as specified on your policy schedule;
2. any medical or dental treatment costs incurred in the United Kingdom or your country of residence;
3. any medical costs which are foreseen
4. any transport or accommodation costs incurred in the United Kingdom or your country of residence, unless authorised by the assistance service;
5. any costs covered under a reciprocal health arrangement (e.g. EHIC within EU countries, reciprocal cover in Austria, Channel Islands, Eire and New Zealand, Medicare in Australia);
6. any costs recoverable from another source; (e.g. where another insurance may cover the same loss);
7. complications in pregnancy if there have been complications in pregnancy with this or any previous pregnancy;
8. any claim where at the time of taking out this insurance, the person whose condition gives rise to the claim is an in-patient in (or awaiting admission or booked to be admitted to) a hospital, hospice or nursing home;
9. any claim where at the departure date, you or your travel companion are travelling against the advice of a medical practitioner or travelling for the purposes of obtaining medical treatment;
10. any claim arising directly or indirectly as a result of a medical condition (see Definitions Applicable to the Whole Policy) suffered by you, unless declared to us, agreed by us on your insurance schedule and additional premium paid if required;
11. any claim arising directly or indirectly as a result of a change regarding your health (including injury and complications in pregnancy) occurring before the start of your trip, which has not been declared to and accepted by us in writing;
12. any costs for in-patient treatment, on-going outpatient treatment or curtailment of a trip on medical grounds without prior authorisation from the assistance service;
13. any costs for surgery or medical treatment which, in the opinion of the assistance service, can reasonably be delayed until your return to your country of residence;
14. any costs for medication and/or treatment which, at the time of departure, is known to be required or continued outside your country of residence;
15. the cost of any routine or elective (non emergency) care or treatment, including specialist review or referral, investigations, treatment or surgery, including complications arising from cosmetic or elective surgery that you have received, whether before or during your trip;
16. claims that are not confirmed as medically necessary by the assistance service;
17. additional hospital costs arising from single or private room accommodation, unless medically necessary;
18. further costs you incur if we wish to bring you home early but you refuse (where in the opinion of the treating doctor and the assistance service you are fit to travel);
19. travelling on motorcycles over 125cc (unless an endorsement has been issued by us);
20. terrorism, only as the sole result of nuclear, chemical or biological weapons of mass destruction however these may be distributed or combined;
21. anything listed in Exclusions Applicable to the Whole Policy.
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SECTION 7 CASH AND DOCUMENTS Covered You are covered up to the amount specified on your policy schedule for accidental loss or theft of your own cash and/or...expand

SECTION 7 CASH AND DOCUMENTS
Covered
You are covered up to the amount specified on your policy schedule for accidental loss or theft of your own cash and/or documents. Cash is only covered whilst being carried on your person or left in a locked safety deposit box. Cash is limited to the amount specified on your policy schedule, unless you are under 16 years of age, in which case the maximum payable is £50.
Condition
1. In the event of a claim for loss of cash you must provide evidence of the initial withdrawal of the cash and also evidence of how you coped financially immediately after the loss (e.g. currency exchange/withdrawal slips, bank/credit card statements).
Not Covered
1. the policy excess as specified on your policy schedule;
2. if you do not exercise reasonable care in protecting your cash and documents against loss, theft or damage;
3. documents left unattended by you, unless located in locked accommodation and where an appropriately sized safety deposit box was not available for use by you;
4. documents left in the custody of a person who does not have an official responsibility for the safekeeping of the property;
5. documents stolen from an unattended vehicle:
a. unless they were in the locked glove compartment or locked rear boot or luggage area of the vehicle and were covered so as not to be visible from the outside of the vehicle;
b. if there is no visible evidence of forcible and violent entry;
c. left for any period between the hours of 8pm and 8am (other than motor homes);
6. if you do not obtain a written police report within 24 hours of the discovery in the event of loss, burglary or theft of cash and/or documents;
7. any shortages due to error, omission or depreciation in value;
8. any costs claimed under Section 8, Loss of Passport/Driving Licence Expenses;
9. anything listed in Exclusions Applicable to the Whole Policy.
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SECTION 8 LOSS OF PASSPORT/DRIVING LICENCE EXPENSES Covered In the event of accidental loss or theft of your passport / driving licence, you are covered...expand

SECTION 8 LOSS OF PASSPORT/DRIVING LICENCE EXPENSES
Covered
In the event of accidental loss or theft of your passport / driving licence, you are covered up to the amount specified on your policy schedule for:
1. reasonable travel or accommodation expenses over and above any payment which you would normally have made during your trip if no loss had been incurred;
2. the cost of an emergency passport to enable you to continue your trip as planned.
Condition
1. You must provide receipts for all costs incurred.
Not Covered
1. the policy excess as specified on your policy schedule;
2. any costs that you would have incurred had you not lost your passport or driving licence;
3. if you do not exercise reasonable care for the safety or supervision of your passport/driving licence;
4. costs arising from any loss not covered under Section 7, Cash and Documents;
5. if you do not obtain a written police report within 24 hours of the loss;
6. loss, destruction or damage arising from confiscation or detention by Customs or other officials or authorities;
7. anything listed in Exclusions Applicable to the Whole Policy.
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SECTION 8 LOSS OF PASSPORT/DRIVING LICENCE EXPENSES Covered In the event of accidental loss or theft of your passport / driving licence, you are covered...expand

SECTION 8 LOSS OF PASSPORT/DRIVING LICENCE EXPENSES
Covered
In the event of accidental loss or theft of your passport / driving licence, you are covered up to the amount specified on your policy schedule for:
1. reasonable travel or accommodation expenses over and above any payment which you would normally have made during your trip if no loss had been incurred;
2. the cost of an emergency passport to enable you to continue your trip as planned.
Condition
1. You must provide receipts for all costs incurred.
Not Covered
1. the policy excess as specified on your policy schedule;
2. any costs that you would have incurred had you not lost your passport or driving licence;
3. if you do not exercise reasonable care for the safety or supervision of your passport/driving licence;
4. costs arising from any loss not covered under Section 7, Cash and Documents;
5. if you do not obtain a written police report within 24 hours of the loss;
6. loss, destruction or damage arising from confiscation or detention by Customs or other officials or authorities;
7. anything listed in Exclusions Applicable to the Whole Policy.
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SECTION 15 WINTER SPORTS COVER C: WINTER SPORTS EQUIPMENT You are covered up to the amount specified on your policy schedule for the value or repair of...expand

SECTION 15 WINTER SPORTS COVER
C: WINTER SPORTS EQUIPMENT
You are covered up to the amount specified on your policy schedule for the value or repair of your own winter sports equipment (after making proper allowance for wear and tear and depreciation) or hired
winter sports equipment, if they are lost, stolen or damaged during your trip, limited to the single item limit (see policy schedule) for any one item. For skis and snowboards over 5 years old the maximum we will pay is £50.
Condition
1. In the event of a claim you must provide the following documentation:
a. loss or theft: a report from police, resort management or tour operator; plus original receipt or proof of ownership and confirmation of second hand value from a specialist dealer where possible.
b. damage: confirmation from a specialist dealer of the damage sustained and repair costs, or confirmation that damage is beyond economic repair, plus the second hand value prior to damage.
Not Covered
1. the policy excess as specified on your policy schedule under Part C: Winter Sports Equipment if you do not adhere to the International Ski Federation code or the resort regulations;
2. anything not covered in Section 6, Baggage (applicable to Part C above);
3. anything not covered in Section 4, Emergency Medical Expenses (applicable to Part E above);
4. ski jumping, ice hockey, the use of skeletons or bobsleighs, taking part in International and National events, their heats or officially organised practice or training for these events;
5. anything listed in Exclusions Applicable to the Whole Policy.collapse

SECTION 15 WINTER SPORTS COVER C: WINTER SPORTS EQUIPMENT You are covered up to the amount specified on your policy schedule for the value or repair of...expand

SECTION 15 WINTER SPORTS COVER
C: WINTER SPORTS EQUIPMENT
You are covered up to the amount specified on your policy schedule for the value or repair of your own winter sports equipment (after making proper allowance for wear and tear and depreciation) or hired winter sports equipment, if they are lost, stolen or damaged during your trip, limited to the single item limit (see policy schedule) for any one item. For skis and snowboards over 5 years old the maximum we will pay is £50.
Condition
1. In the event of a claim you must provide the following documentation:
a. loss or theft: a report from police, resort management or tour operator; plus original receipt or proof of ownership and confirmation of second hand value from a specialist dealer where possible.
b. damage: confirmation from a specialist dealer of the damage sustained and repair costs, or confirmation that damage is beyond economic repair, plus the second hand value prior to damage.
Not Covered
1. the policy excess as specified on your policy schedule under Part C: Winter Sports Equipment;
2. if you do not adhere to the International Ski Federation code or the resort regulations;
3. anything not covered in Section 6, Baggage (applicable to Part C above);
4. anything not covered in Section 4, Emergency Medical Expenses (applicable to Part E above);
5. ski jumping, ice hockey, the use of skeletons or bobsleighs, taking part in International and National events, their heats or officially organised practice or training for these events;
6. anything listed in "Exclusions Applicable to the Whole Policy".
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SECTION 15 WINTER SPORTS COVER C: WINTER SPORTS EQUIPMENT You are covered up to the amount specified on your policy schedule for the value or repair of...expand

SECTION 15 WINTER SPORTS COVER
C: WINTER SPORTS EQUIPMENT
You are covered up to the amount specified on your policy schedule for the value or repair of your own winter sports equipment (after making proper allowance for wear and tear and depreciation) or hired winter sports equipment, if they are lost, stolen or damaged during your trip, limited to the single item limit (see policy schedule) for any one item. For skis and snowboards over 5 years old the maximum we will pay is £50.
Condition
1. In the event of a claim you must provide the following documentation:
a. loss or theft: a report from police, resort management or tour operator; plus original receipt or proof of ownership and confirmation of second hand value from a specialist dealer where possible.
b. damage: confirmation from a specialist dealer of the damage sustained and repair costs, or confirmation that damage is beyond economic repair, plus the second hand value prior to damage.
Not Covered
1. the policy excess as specified on your policy schedule under Part C: Winter Sports Equipment;
2. if you do not adhere to the International Ski Federation code or the resort regulations;
3. anything not covered in Section 6, Baggage (applicable to Part C above);
4. anything not covered in Section 4, Emergency Medical Expenses (applicable to Part E above);
5. ski jumping, ice hockey, the use of skeletons or bobsleighs, taking part in International and National events, their heats or officially organised practice or training for these events;
6. anything listed in "Exclusions Applicable to the Whole Policy".
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SECTION 6 BAGGAGE Covered A: PERSONAL BAGGAGE You are covered up to the amount specified on your policy schedule for the value of or repair to any of your...expand

SECTION 6 BAGGAGE
Covered
A: PERSONAL BAGGAGE
You are covered up to the amount specified on your policy schedule for the value of or repair to any of your own personal baggage (not hired, loaned or entrusted to you), which is lost, stolen, damaged or destroyed (after making proper allowance for wear and tear and depreciation) limited to:
a. the Single Item Limit (see policy schedule) for any one item, pair or set of items;
b. the Valuables Limit (see policy schedule) for all valuables in total;
c. the limit for personal baggage on the beach (see policy schedule);
d. the maximum payment for spectacles/contact lenses or sunglasses (see policy schedule).
Conditions
1. Any amount we pay you under B (Delayed Baggage) will be deducted from the final claim settlement if your personal baggage is permanently lost.
2. You must obtain written proof of the incident from the police, your accommodation management, tour operator or carrier, within 24 hours of the discovery in the event of loss, burglary or theft of the personal baggage. Failure to do so may result in your claim being turned down.
3. In the event of a claim for damaged items, proof of the damage must be supplied.
4. In the event of a claim for a pair or set of items, we shall be liable only for the value of that part of the pair or set which is lost, stolen, damaged or destroyed.
5. If the repair cost is more than the value of an item, we will assess the claim as if the item has been lost.
Not Covered
1. the policy excess as specified on your policy schedule under A (Personal Baggage);
2. any item, pair or set of items with a value of over £50, if an original receipt, valuation report or other acceptable proof of ownership and value cannot be supplied to support your claim. The total amount payable for all such items will be £250;
3. if you do not exercise reasonable care for the safety and supervision of your property;
4. personal baggage left unattended by you, unless located in locked accommodation and where an appropriately sized safety deposit box was not available for use by you;
5. personal baggage left in the custody of a person who does not have an official responsibility for the safekeeping of the property;
6. personal baggage stolen from an unattended vehicle:
a. unless it was in the locked glove compartment or locked rear boot or luggage area of the vehicle and is covered so as not to be visible from the outside of the vehicle;
b. if there is no visible evidence of forcible and violent entry;
c. left for any period between the hours of 8pm and 8am (other than motor homes);
7. valuables left in a motor vehicle (other than motor homes, provided the valuables are stored out of view);
8. valuables within checked-in luggage or in luggage compartments/racks not immediately adjacent to you on any form of public transport (other than hand luggage that stays with you at all times);
9. damage to personal baggage whilst in the custody of an airline;
10. if your personal baggage is lost or delayed in transit and you do not:
a. notify the carrier (i.e. airline, shipping company etc) immediately and obtain a written carriers report (or Property Irregularity Report in the case of an airline); or
b. follow up in writing within 7 days to obtain a written carriers report (or Property Irregularity Report in the case of an airline) if you are unable to obtain one immediately;
11. loss, destruction, damage or theft of the following property:
a. corneal lenses, hearing aids and dentures;
b. glass, china, pictures, musical instruments, antiques and precious stones;
c. pedal cycles, dinghies, boats and/or ancillary equipment, vehicles or vehicle accessories (other than non-motorised wheelchairs and pushchairs);
d. tools of trade;
e. perishable items e.g. food;
12. loss, destruction, damage or theft due to:
a. confiscation or detention by Customs or other officials or authorities;
b. wear and tear, process of cleaning, denting or scratching, staining, moth or vermin;
c. transportation by any postal service;
13. electrical or mechanical breakdown or manufacturing fault;
14. breakage of fragile or brittle articles being transported by a carrier, unless the breakage is due to fire or other accident to the vessel, aircraft or vehicle in which they are being carried;
15. any property more specifically insured or recoverable under any other source. Any reimbursement received will be deducted from the amount of your claim under this section;
16. stamps, documents, deeds, samples or merchandise, manuscripts or securities of any kind;
17. winter sports equipment or golf equipment (unless the appropriate premium has been paid and is shown on your insurance schedule, which covers you under a separate section of the policy), or additional sports equipment (unless declared to us, shown on your insurance schedule and additional premium paid if required). There is no cover whatsoever for additional sports equipment whilst in use;
18. anything listed in Exclusions Applicable to the Whole Policy.
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SECTION 6 BAGGAGE Covered A: PERSONAL BAGGAGE You are covered up to the amount specified on your policy schedule for the value of or repair to any of your...expand

SECTION 6 BAGGAGE
Covered
A: PERSONAL BAGGAGE
You are covered up to the amount specified on your policy schedule for the value of or repair to any of your own personal baggage (not hired, loaned or entrusted to you), which is lost, stolen, damaged or destroyed (after making proper allowance for wear and tear and depreciation) limited to:
a. the Single Item Limit (see policy schedule) for any one item, pair or set of items;
b. the Valuables Limit (see policy schedule) for all valuables in total;
c. the limit for personal baggage on the beach (see policy schedule);
d. the maximum payment for spectacles/contact lenses or sunglasses (see policy schedule).
Conditions
1. Any amount we pay you under B (Delayed Baggage) will be deducted from the final claim settlement if your personal baggage is permanently lost.
2. You must obtain written proof of the incident from the police, your accommodation management, tour operator or carrier, within 24 hours of the discovery in the event of loss, burglary or theft of the personal baggage. Failure to do so may result in your claim being turned down.
3. In the event of a claim for damaged items, proof of the damage must be supplied.
4. In the event of a claim for a pair or set of items, we shall be liable only for the value of that part of the pair or set which is lost, stolen, damaged or destroyed.
5. If the repair cost is more than the value of an item, we will assess the claim as if the item has been lost.
Not Covered
1. the policy excess as specified on your policy schedule under A (Personal Baggage);
2. any item, pair or set of items with a value of over £50, if an original receipt, valuation report or other acceptable proof of ownership and value cannot be supplied to support your claim. The total amount payable for all such items will be £250;
3. if you do not exercise reasonable care for the safety and supervision of your property;
4. personal baggage left unattended by you, unless located in locked accommodation and where an appropriately sized safety deposit box was not available for use by you;
5. personal baggage left in the custody of a person who does not have an official responsibility for the safekeeping of the property;
6. personal baggage stolen from an unattended vehicle:
a. unless it was in the locked glove compartment or locked rear boot or luggage area of the vehicle and is covered so as not to be visible from the outside of the vehicle;
b. if there is no visible evidence of forcible and violent entry;
c. left for any period between the hours of 8pm and 8am (other than motor homes);
7. valuables left in a motor vehicle (other than motor homes, provided the valuables are stored out of view);
8. valuables within checked-in luggage or in luggage compartments/racks not immediately adjacent to you on any form of public transport (other than hand luggage that stays with you at all times);
9. damage to personal baggage whilst in the custody of an airline;
10. if your personal baggage is lost or delayed in transit and you do not:
a. notify the carrier (i.e. airline, shipping company etc) immediately and obtain a written carriers report (or Property Irregularity Report in the case of an airline); or
b. follow up in writing within 7 days to obtain a written carriers report (or Property Irregularity Report in the case of an airline) if you are unable to obtain one immediately;
11. loss, destruction, damage or theft of the following property:
a. corneal lenses, hearing aids and dentures;
b. glass, china, pictures, musical instruments, antiques and precious stones;
c. pedal cycles, dinghies, boats and/or ancillary equipment, vehicles or vehicle accessories (other than non-motorised wheelchairs and pushchairs);
d. tools of trade;
e. perishable items e.g. food;
12. loss, destruction, damage or theft due to:
a. confiscation or detention by Customs or other officials or authorities;
b. wear and tear, process of cleaning, denting or scratching, staining, moth or vermin;
c. transportation by any postal service;
13. electrical or mechanical breakdown or manufacturing fault;
14. breakage of fragile or brittle articles being transported by a carrier, unless the breakage is due to fire or other accident to the vessel, aircraft or vehicle in which they are being carried;
15. any property more specifically insured or recoverable under any other source. Any reimbursement received will be deducted from the amount of your claim under this section;
16. stamps, documents, deeds, samples or merchandise, manuscripts or securities of any kind;
17. winter sports equipment or golf equipment (unless the appropriate premium has been paid and is shown on your insurance schedule, which covers you under a separate section of the policy), or additional sports equipment (unless declared to us, shown on your insurance schedule and additional premium paid if required). There is no cover whatsoever for additional sports equipment whilst in use;
18. anything listed in Exclusions Applicable to the Whole Policy.
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SECTION 6 BAGGAGE Covered A: PERSONAL BAGGAGE You are covered up to the amount specified on your policy schedule for the value of or repair to any of your...expand

SECTION 6 BAGGAGE
Covered
A: PERSONAL BAGGAGE
You are covered up to the amount specified on your policy schedule for the value of or repair to any of your own personal baggage (not hired, loaned or entrusted to you), which is lost, stolen, damaged or destroyed (after making proper allowance for wear and tear and depreciation) limited to:
a. the Single Item Limit (see policy schedule) for any one item, pair or set of items;
b. the Valuables Limit (see policy schedule) for all valuables in total;
c. the limit for personal baggage on the beach (see policy schedule);
d. the maximum payment for spectacles/contact lenses or sunglasses (see policy schedule).
Conditions
1. Any amount we pay you under B (Delayed Baggage) will be deducted from the final claim settlement if your personal baggage is permanently lost.
2. You must obtain written proof of the incident from the police, your accommodation management, tour operator or carrier, within 24 hours of the discovery in the event of loss, burglary or theft of the personal baggage. Failure to do so may result in your claim being turned down.
3. In the event of a claim for damaged items, proof of the damage must be supplied.
4. In the event of a claim for a pair or set of items, we shall be liable only for the value of that part of the pair or set which is lost, stolen, damaged or destroyed.
5. If the repair cost is more than the value of an item, we will assess the claim as if the item has been lost.
Not Covered
1. the policy excess as specified on your policy schedule under A (Personal Baggage);
2. any item, pair or set of items with a value of over £50, if an original receipt, valuation report or other acceptable proof of ownership and value cannot be supplied to support your claim. The total amount payable for all such items will be £250;
3. if you do not exercise reasonable care for the safety and supervision of your property;
4. personal baggage left unattended by you, unless located in locked accommodation and where an appropriately sized safety deposit box was not available for use by you;
5. personal baggage left in the custody of a person who does not have an official responsibility for the safekeeping of the property;
6. personal baggage stolen from an unattended vehicle:
a. unless it was in the locked glove compartment or locked rear boot or luggage area of the vehicle and is covered so as not to be visible from the outside of the vehicle;
b. if there is no visible evidence of forcible and violent entry;
c. left for any period between the hours of 8pm and 8am (other than motor homes);
7. valuables left in a motor vehicle (other than motor homes, provided the valuables are stored out of view);
8. valuables within checked-in luggage or in luggage compartments/racks not immediately adjacent to you on any form of public transport (other than hand luggage that stays with you at all times);
9. damage to personal baggage whilst in the custody of an airline;
10. if your personal baggage is lost or delayed in transit and you do not:
a. notify the carrier (i.e. airline, shipping company etc) immediately and obtain a written carriers report (or Property Irregularity Report in the case of an airline); or
b. follow up in writing within 7 days to obtain a written carriers report (or Property Irregularity Report in the case of an airline) if you are unable to obtain one immediately;
11. loss, destruction, damage or theft of the following property:
a. corneal lenses, hearing aids and dentures;
b. glass, china, pictures, musical instruments, antiques and precious stones;
c. pedal cycles, dinghies, boats and/or ancillary equipment, vehicles or vehicle accessories (other than non-motorised wheelchairs and pushchairs);
d. tools of trade;
e. perishable items e.g. food;
12. loss, destruction, damage or theft due to:
a. confiscation or detention by Customs or other officials or authorities;
b. wear and tear, process of cleaning, denting or scratching, staining, moth or vermin;
c. transportation by any postal service;
13. electrical or mechanical breakdown or manufacturing fault;
14. breakage of fragile or brittle articles being transported by a carrier, unless the breakage is due to fire or other accident to the vessel, aircraft or vehicle in which they are being carried;
15. any property more specifically insured or recoverable under any other source. Any reimbursement received will be deducted from the amount of your claim under this section;
16. stamps, documents, deeds, samples or merchandise, manuscripts or securities of any kind;
17. winter sports equipment or golf equipment (unless the appropriate premium has been paid and is shown on your insurance schedule, which covers you under a separate section of the policy), or additional sports equipment (unless declared to us, shown on your insurance schedule and additional premium paid if required). There is no cover whatsoever for additional sports equipment whilst in use;
18. anything listed in Exclusions Applicable to the Whole Policy.
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SECTION 6 BAGGAGE Covered B: DELAYED BAGGAGE You are covered up to the amount specified on your policy schedule for the cost of buying emergency necessities...expand

SECTION 6 BAGGAGE
Covered
B: DELAYED BAGGAGE
You are covered up to the amount specified on your policy schedule for the cost of buying emergency necessities if your personal baggage is delayed in reaching you on your outward journey for at least 12
hours and you have a written report from the carrier (e.g. airline, shipping company etc.) or tour representative. Receipts will be required in the event of a claim.
Conditions
1. Any amount we pay you under B (Delayed Baggage) will be deducted from the final claim settlement if your personal baggage is permanently lost.
2. You must obtain written proof of the incident from the police, your accommodation management, tour operator or carrier, within 24 hours of the discovery in the event of loss, burglary or theft of the personal baggage. Failure to do so may result in your claim being turned down.
3. In the event of a claim for damaged items, proof of the damage must be supplied.
4. In the event of a claim for a pair or set of items, we shall be liable only for the value of that part of the pair or set which is lost, stolen, damaged or destroyed.
5. If the repair cost is more than the value of an item, we will assess the claim as if the item has been lost.
Not Covered
1. the policy excess as specified on your policy schedule under A (Personal Baggage);
2. any item, pair or set of items with a value of over £50, if an original receipt, valuation report or other acceptable proof of ownership and value cannot be supplied to support your claim. The total amount payable for all such items will be £250;
3. if you do not exercise reasonable care for the safety and supervision of your property;
4. personal baggage left unattended by you, unless located in locked accommodation and where an appropriately sized safety deposit box was not available for use by you;
5. personal baggage left in the custody of a person who does not have an official responsibility for the safekeeping of the property;
6. personal baggage stolen from an unattended vehicle:
a. unless it was in the locked glove compartment or locked rear boot or luggage area of the vehicle and is covered so as not to be visible from the outside of the vehicle;
b. if there is no visible evidence of forcible and violent entry;
c. left for any period between the hours of 8pm and 8am (other than motor homes);
7. valuables left in a motor vehicle (other than motor homes, provided the valuables are stored out of view);
8. valuables within checked-in luggage or in luggage compartments/racks not immediately adjacent to you on any form of public transport (other than hand luggage that stays with you at all times);
9. damage to personal baggage whilst in the custody of an airline;
10. if your personal baggage is lost or delayed in transit and you do not:
a. notify the carrier (i.e. airline, shipping company etc) immediately and obtain a written carrier's report (or Property Irregularity Report in the case of an airline); or
b. follow up in writing within 7 days to obtain a written carrier's report (or Property Irregularity Report in the case of an airline) if you are unable to obtain one immediately;
11. loss, destruction, damage or theft of the following property:
a. corneal lenses, hearing aids and dentures;
b. glass, china, pictures, musical instruments, antiques and precious stones;
c. pedal cycles, dinghies, boats and/or ancillary equipment, vehicles or vehicle accessories (other than non-motorised wheelchairs and pushchairs);
d. tools of trade;
e. perishable items e.g. food;
12. loss, destruction, damage or theft due to:
a. confiscation or detention by Customs or other officials or authorities;
b. wear and tear, process of cleaning, denting or scratching, staining, moth or vermin;
c. transportation by any postal service;
13. electrical or mechanical breakdown or manufacturing fault;
14. breakage of fragile or brittle articles being transported by a carrier, unless the breakage is due to fire or other accident to the vessel, aircraft or vehicle in which they are being carried;
15. any property more specifically insured or recoverable under any other source. Any reimbursement received will be deducted from the amount of your claim under this section;
16. stamps, documents, deeds, samples or merchandise, manuscripts or securities of any kind;
17. winter sports equipment or golf equipment (unless the appropriate premium has been paid and is shown on your insurance schedule, which covers you under a separate section of the policy), or additional sports equipment (unless declared to us, shown on your insurance schedule and additional premium paid if required). There is no cover whatsoever for additional sports equipment whilst in use;
18. anything listed in "Exclusions Applicable to the Whole Policy".
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SECTION 10 MISSED DEPARTURE This section does not apply to trips within your country of residence. Covered You are covered up to the amount specified on...expand

SECTION 10 MISSED DEPARTURE
This section does not apply to trips within your country of residence.
Covered
You are covered up to the amount specified on your policy schedule for necessary hotel and travelling expenses (not including food, drink and telephone expenses) incurred in reaching your booked destination, if you arrive too late to commence your booked trip from or to your country of residence as a result of:
1. the vehicle in which you are travelling being involved in an accident or breakdown or you being delayed as a result of a major accident on a motorway;
2. the public transport used being delayed.
Conditions
1. In the event of a claim due to vehicle breakdown or a road accident, you must provide a police or roadside assistance report.
2. In the event of a claim due to a major accident on the motorway, please obtain written confirmation of this from the Highways Agency. If the accident occurred on a minor road, please obtain written confirmation from the local council.
3. In the event of a claim due to delayed public transport you must provide documentation from the transport company, confirming the period of and the reason for the delay.
Not Covered
1. the policy excess as specified on your policy schedule;
2. if sufficient time has not been allowed for your journey in order to meet the check-in time specified by the transport providers or agent;
3. if you are not proceeding directly to the departure point;
4. any costs claimed under Section 9, Travel Delay and Abandonment, which relate to the same trip;
5. anything listed in Exclusions Applicable to the Whole Policy.
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SECTION 1 CANCELLATION Covered You are covered up to the amount specified on your policy schedule for travel and pre-booked accommodation cancellation...expand

SECTION 1 CANCELLATION
Covered
You are covered up to the amount specified on your policy schedule for travel and pre-booked accommodation cancellation costs relating only to those people specified on the insurance schedule. (If travel arrangements were paid for by Air Miles or by any other form of redeemable vouchers, reimbursement will be the reinstatement of the Air Miles or redeemable vouchers to their original account. If reinstatement is not possible, we will reimburse the lowest advertised fare by the airline for the flight in question). Cancellation must be necessary and unavoidable and not as a result of disinclination to undertake your planned trip. Cover is only provided due to a cause listed below occurring during the period of insurance:
1. accidental injury, serious illness, death or being subject to quarantine of you, any person with whom you are intending to travel or stay, an immediate relative of yours or of any person with whom you intend to travel or a close business associate of yours;
2. you or your travelling companion discovering that you/they are pregnant after the date of issue of this policy or the date the trip was booked (whichever was later), if the booked return date is within 12 weeks (16 weeks for a multiple birth) of the expected date of delivery, or complications in pregnancy, provided there have been no complications in pregnancy with this or any previous pregnancy;
3. you being called for jury service, attending court as a witness (but not as an expert witness or where your employment would normally require you to attend court);
4. you or any person with whom you have arranged to travel being made redundant where you/they have been employed for two continuous years with the same employer at the time of being made redundant and are under the normal retirement age for someone holding that position;
5. your home or place of business being made uninhabitable, within 14 days prior to the date of travel, or the police asking to see you after a theft from your home which occurred within 14 days of travel;
6. your posting overseas or emergency and unavoidable duty if you are a member of the medical or nursing professions, police, fire or ambulance services;
7. prevention of travel by British Government restriction;
8. a government directive prohibiting all travel to the country or area you were planning to visit, as a result of a natural disaster (e.g. earthquake, fire, flood, hurricane) or epidemic;
9. abandonment of your trip as a result of more than 24 hours travel delay on your outward flight, sea crossing, coach or train departure from your country of residence (see Section 9, Travel Delay and Trip Abandonment).
Not Covered
1. the policy excess as specified on your policy schedule;
2. medically related claims where a certificate has not been obtained from a medical practitioner, confirming that cancellation of the trip is necessary on medical grounds;
3. any claim arising directly or indirectly as a result of a medical condition (see Definitions Applicable to the Whole Policy) suffered by you, unless declared to us, agreed by us on your insurance schedule and additional premium paid if required;
4. medically related claims as a result of your travelling companion, an immediate relative or close business associate of you or the person with whom you have arranged to stay on the trip, having suffered a condition or for which they have received medication, medical advice or treatment within six months prior to the date this policy was issued or the date the trip was booked (whichever is later);
5. complications in pregnancy if there have been complications in pregnancy with this or any previous pregnancy;
6. any claim:
a. where at the time of taking out this insurance, the person whose condition gives rise to the claim is an in-patient in (or awaiting admission or booked to be admitted to) a hospital, hospice or nursing home;
b. where at the departure date, you or your travelling companion are travelling against the advice of a medical practitioner or travelling for the purpose of obtaining medical treatment;
7. additional cancellation costs incurred as a result of not immediately telling the travel agent, tour operator or provider of transport or accommodation that you need to cancel the trip. We will only pay the cancellation charges that would have applied at the time you knew it was necessary to cancel your trip, if a valid claim exists;
8. any costs incurred on behalf of other party members who are not specified on the insurance schedule;
9. any costs recoverable from another source (e.g. airport taxes);
10. any claim arising where you have not been able to receive the necessary inoculations or vaccinations or obtain necessary visas for any reason whatsoever;
11. any claim arising from any circumstances known about at the date of booking the trip or the date the policy was issued, which could reasonably have been expected to give rise to the cancellation of the trip;
12. anything listed in Exclusions Applicable to the Whole Policy.
SECTION 2 CURTAILMENT
Covered
You are covered up to the amount specified on your
policy schedule for:
1. the value of the portion of your travel and prebooked accommodation expenses, calculated from the date of your return to your home, which have not been used and which were paid for before your departure from your country of residence.
2. reasonable additional travelling expenses (on the same basis as your original booking) authorised by us and incurred by you for returning to your home earlier than planned due to a cause listed below:
a. accidental injury to or serious illness or death of you, any person with whom you intend to travel, an immediate relative of yours or of the person with whom you intend to travel or a close business associate;
b. complications in pregnancy of you or your travelling companion, provided there have been no complications in pregnancy with this or any previous pregnancy;
c. your home or place of business being made uninhabitable or the police asking to see you after a theft from your home.
Conditions
1. You must contact the assistance service for assistance/advice if you need to cut short your trip for an insured reason.
2. You must use or revalidate your original ticket for your early return. If this is not possible you must provide evidence that additional costs were necessary. Any refunds due on unused original tickets will be deducted from your claim. If you do not have an original return ticket, you will not be reimbursed for costs incurred for your early return.
3. If you require the assistance service to pay for arrangements, they may first need to contact the relevant medical practitioner to confirm your claim falls within the terms of your cover.
4. If you make your own arrangements you must supply all necessary documentation to substantiate that your claim falls within the terms of cover.
5. This policy does not provide compensation for loss of enjoyment.
Not Covered
1. the policy excess as specified on your policy schedule;
2. claims that are not confirmed as medically necessary by the assistance service, and where a medical certificate has not been obtained from the attending medical practitioner, confirming the necessity to curtail;
3. any claim arising directly or indirectly as a result of a medical condition (see Definitions Applicable to the Whole Policy) suffered by you, unless declared to us, agreed by us on your insurance schedule and additional premium paid if required;
4. medically related claims as a result of your travel companion, an immediate relative or close business associate of you or the person with whom you have arranged to stay on the trip, having suffered a condition or for which they have received medication, medical advice or treatment within six months prior to the date this policy was issued or the date the trip was booked (whichever is later);
5. complications in pregnancy if there have been complications in pregnancy with this or any previous pregnancy;
6. additional travelling expenses incurred which are not authorised by the assistance service;
7. unused prepaid travel tickets where repatriation has been arranged by you or the assistance service;
8. any claim:
a. where at the time of taking out this insurance, the person whose condition gives rise to the claim is an in-patient in (or awaiting admission or booked to be admitted to) a hospital, hospice or nursing home, unless this has been declared to us and accepted by us in writing;
b. where at the departure date, you or your travelling companion are travelling against the advice of a medical practitioner or travelling for the purpose of obtaining medical treatment.
9. anything listed in Exclusions Applicable to the Whole Policy;
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SECTION 9 TRAVEL DELAY AND TRIP ABANDONMENT This section does not apply to trips within your country of residence. Covered A: In the event of your outward...expand

SECTION 9 TRAVEL DELAY AND TRIP ABANDONMENT
This section does not apply to trips within your country of residence.
Covered
A:
In the event of your outward or return flight, sea crossing, coach or train departure to or from your country of residence being delayed for more than 12 hours beyond the intended departure time (as specified on your travel ticket) as a result of:
1. adverse weather conditions;
2. mechanical breakdown or technical fault of the aircraft, coach, train or sea vessel;
3. strike, industrial action or security alert (provided that when this policy was issued or the trip was booked, whichever was later, no such action had already been declared and therefore there was no reasonable expectation that this would affect your trip); we will pay up to the amounts specified on your policy schedule per insured person for each complete 12 hours you are delayed. If you incur more than 24 hours delay on your outward flight, sea crossing, coach or train departure from your country of residence, you may abandon your trip and claim under Section 1, Cancellation (less the excess);
B:
If you abandon your trip as a result of your vehicle being involved in an accident or mechanical breakdown en route to your departure point from your country of residence, rendering it impossible for you to undertake your planned itinerary, we will pay up to the limit under Section 1, Cancellation (less the excess).
Conditions
1. In the event of a claim due to delayed public transport you must provide documentation from the transport company, confirming the period of and the reason for the delay.
2. In the event of a claim due to vehicle breakdown, you must provide a police or roadside assistance report.
Not Covered
1. the policy excess as per Section 1, Cancellation if you abandon your trip;
2. where you have not checked in, allowing sufficient time, for your outward or return journey;
3. any claims arising from withdrawal from service temporarily or otherwise of the aircraft, coach, train or sea vessel on the orders or recommendation of the Civil Aviation Authority or a Port Authority or similar body in any country;
4. internal flights which do not form part of your outbound or inbound journey to/from your country of residence;
5. anything listed in Exclusions Applicable to the Whole Policy.
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SECTION 9 TRAVEL DELAY AND TRIP ABANDONMENT This section does not apply to trips within your country of residence. Covered A: In the event of your outward...expand

SECTION 9 TRAVEL DELAY AND TRIP ABANDONMENT
This section does not apply to trips within your country of residence.
Covered
A:
In the event of your outward or return flight, sea crossing, coach or train departure to or from your country of residence being delayed for more than 12 hours beyond the intended departure time (as specified on your travel ticket) as a result of:
1. adverse weather conditions;
2. mechanical breakdown or technical fault of the aircraft, coach, train or sea vessel;
3. strike, industrial action or security alert (provided that when this policy was issued or the trip was booked, whichever was later, no such action had already been declared and therefore there was no reasonable expectation that this would affect your trip); we will pay up to the amounts specified on your policy schedule per insured person for each complete 12 hours you are delayed. If you incur more than 24 hours delay on your outward flight, sea crossing, coach or train departure from your country of residence, you may abandon your trip and claim under Section 1, Cancellation (less the excess);
B:
If you abandon your trip as a result of your vehicle being involved in an accident or mechanical breakdown en route to your departure point from your country of residence, rendering it impossible for you to undertake your planned itinerary, we will pay up to the limit under Section 1, Cancellation (less the excess).
Conditions
1. In the event of a claim due to delayed public transport you must provide documentation from the transport company, confirming the period of and the reason for the delay.
2. In the event of a claim due to vehicle breakdown, you must provide a police or roadside assistance report.
Not Covered
1. the policy excess as per Section 1, Cancellation if you abandon your trip;
2. where you have not checked in, allowing sufficient time, for your outward or return journey;
3. any claims arising from withdrawal from service temporarily or otherwise of the aircraft, coach, train or sea vessel on the orders or recommendation of the Civil Aviation Authority or a Port Authority or similar body in any country;
4. internal flights which do not form part of your outbound or inbound journey to/from your country of residence;
5. anything listed in Exclusions Applicable to the Whole Policy.
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SECTION 9 TRAVEL DELAY AND TRIP ABANDONMENT This section does not apply to trips within your country of residence. Covered A: In the event of your outward...expand

SECTION 9 TRAVEL DELAY AND TRIP ABANDONMENT
This section does not apply to trips within your country of residence.
Covered
A:
In the event of your outward or return flight, sea crossing, coach or train departure to or from your country of residence being delayed for more than 12 hours beyond the intended departure time (as specified on your travel ticket) as a result of:
1. adverse weather conditions;
2. mechanical breakdown or technical fault of the aircraft, coach, train or sea vessel;
3. strike, industrial action or security alert (provided that when this policy was issued or the trip was booked, whichever was later, no such action had already been declared and therefore there was no reasonable expectation that this would affect your trip); we will pay up to the amounts specified on your policy schedule per insured person for each complete 12 hours you are delayed. If you incur more than 24 hours delay on your outward flight, sea crossing, coach or train departure from your country of residence, you may abandon your trip and claim under Section 1, Cancellation (less the excess);
B:
If you abandon your trip as a result of your vehicle being involved in an accident or mechanical breakdown en route to your departure point from your country of residence, rendering it impossible for you to undertake your planned itinerary, we will pay up to the limit under Section 1, Cancellation (less the excess).
Conditions
1. In the event of a claim due to delayed public transport you must provide documentation from the transport company, confirming the period of and the reason for the delay.
2. In the event of a claim due to vehicle breakdown, you must provide a police or roadside assistance report.
Not Covered
1. the policy excess as per Section 1, Cancellation if you abandon your trip;
2. where you have not checked in, allowing sufficient time, for your outward or return journey;
3. any claims arising from withdrawal from service temporarily or otherwise of the aircraft, coach, train or sea vessel on the orders or recommendation of the Civil Aviation Authority or a Port Authority or similar body in any country;
4. internal flights which do not form part of your outbound or inbound journey to/from your country of residence;
5. anything listed in Exclusions Applicable to the Whole Policy.
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If you are travelling to a country in the European Union, you must take with you an EHIC. We will waive the policy excess under this Section if you use...expand

If you are travelling to a country in the European Union, you must take with you an EHIC. We will waive the policy excess under this Section if you use the EHIC or another reciprocal health agreement to reduce the amount of your claim.collapse