getMy.com Standard Travel Insurance

Section 8 Emergency medical and other expenses
What is covered
We will pay you up to the amount shown in the Schedule of Benefits for the cover level you have selected for the following expenses which are necessarily incurred within 12 months of the incident as a result of your suffering bodily injury or illness and/or compulsory quarantine:
1. Emergency medical, surgical, hospital, ambulance and nursing fees and charges incurred:
a) outside the United Kingdom or
b) within the Channel Islands.
2. Emergency dental treatment for the immediate relief of pain (to natural teeth only) up to a limit of £750 (or £500 if you have selected Standard cover) incurred:
a) outside the United Kingdom or
b) within the Channel Islands.
3. In the event of your death outside the United Kingdom the reasonable additional cost of funeral expenses abroad up to the amount shown in the Schedule of Benefits for the level of cover you have selected plus the reasonable cost of conveying your ashes to your home, or the additional costs of returning your body to your home.
4. Reasonable additional transport (economy class) or accommodation expenses incurred, up to the standard of your original booking, if it is medically necessary for you to stay beyond your scheduled return date.
This includes, with the prior authorisation of FirstAssist Assistance, reasonable additional transport or accommodation expenses for a friend or close relative to remain with you or travel to you from the United Kingdom or escort you and additional travel expenses to return you to your home if you are unable to use the return ticket.
5. With the prior authorisation of FirstAssist Assistance, the additional costs incurred in the use of air transport or other suitable means, including qualified attendants, to repatriate you to your home if it is medically necessary. Repatriation expenses will be in respect only of the identical class of travel utilised on the outward journey unless FirstAssist Assistance agree otherwise.
Special Conditions relating to claims
1. You must give notice as soon as possible to FirstAssist Assistance or us of any bodily injury or illness which may lead to you incurring medical expenses over £500 or before any arrangements are made for your repatriation.
2. In the event of your bodily injury or illness we reserve the right to relocate you from one hospital to another and arrange for your repatriation to the United Kingdom at any time during the trip. We will do this if in the opinion of the medical practitioner in attendance or FirstAssist Assistance you can be moved safely and/or travel safely to the United Kingdom to continue treatment.
What is not covered
1. The excess of each and every claim per incident for each insured person but limited to two excesses in all if Family Cover or Single Parent Cover applies.
2. Any claims arising directly or indirectly in respect of:
a) costs of telephone calls, other than calls to FirstAssist Assistance notifying them of the problem for which you are able to provide a receipt or other evidence to show the cost of the call and the number telephoned.
b) the cost of treatment or surgery, including exploratory tests, which are not directly related to the bodily injury or illness which necessitated your admittance into hospital.
c) any expenses which are not usual, reasonable or customary to treat your bodily injury or illness.
d) any form of treatment or surgery which in the opinion of the medical practitioner in attendance and FirstAssist Assistance can be delayed reasonably until your return to the United Kingdom.
e) expenses incurred in obtaining or replacing medication, which at the time of departure is known to be required or to be continued outside the United Kingdom.
f) additional costs arising from single or private room accommodation.
g) treatment or services provided by a health spa, convalescent or nursing home or any rehabilitation centre unless agreed by FirstAssist Assistance.
h) any expenses incurred after you have returned to the United Kingdom.
i) expenses incurred as a result of a tropical disease where you have not had the recommended inoculations and/or taken the recommended medication.
j) your decision not to be repatriated after the date when in the opinion of FirstAssist Assistance it is safe to do so.
3. Anything mentioned in the General Exclusions.
You should also refer to the Important Conditions Relating to Health section.

Section 10 Personal accident
Special definitions applying to this section (which are shown in bold)
Loss of limb
Loss by permanent severance of an entire hand or foot or the total and permanent loss of use of an entire hand or foot.
Loss of sight
Total and irrecoverable loss of sight.
Permanent total disablement
A disability which entirely prevents you from attending to business or occupations of any and every kind, which exists for 12 months after the date of the incident and is beyond hope of improvement.
What is covered
If during the trip you sustain a bodily injury and within 12 months you become disabled or die because of the injury, and the injury is the sole cause of death or permanent total disability, we will pay you or your dependants up to the amount shown in the Schedule of Benefits for the level of cover you have selected if you:-
a) die;
b) suffer loss of limb or loss of sight;
c) suffer permanent total disability from all gainful employment.
We will only pay one of the above benefits for each insured person if it related to the same accident. If an accident happens and you need to claim under benefits b) or c), we will not provide any cover for further accidents to that insured person.
If an insured person is under 16 or 65 or over we will only pay £2,500 for benefit a) and no payment will be made under benefit c).
Special Conditions relating to claims
Our medical practitioner may examine you as often as they deem necessary in the event of a claim.
Provisions
Benefit is not payable to you:
i) under more than one of items a), b) or c).
ii) under item c) until one year after the date you sustained your bodily injury.
iii) under item c). if you are able or may be able to carry out any gainful employment or gainful occupation.
What is not covered
1. Anything mentioned in the General Exclusions.

Section 9 Hospital benefit
What is covered
We will pay you £30 (or £20 if you have selected Standard cover) for every complete 24 hours you have to stay in hospital as an in-patient:
1. Outside the United Kingdom or
2. Within the Channel Islands
up to the amount shown in the Schedule of Benefits for the cover level you have selected as a result of bodily injury or illness you sustain.
We will pay the amount above in addition to any amount payable under Section 8 - Emergency Medical and Other Expenses.
Special Conditions relating to claims
You must give notice as soon as possible to FirstAssist Assistance or us of any bodily injury or illness which necessitates your admittance to hospital as an in-patient.
What is not covered
1. Any claims arising directly or indirectly from:
a) any additional period of hospitalisation relating to treatment or surgery, including exploratory tests, which are not directly related to the bodily injury or illness which necessitated your admittance into hospital.
b) hospitalisation relating to any form of treatment or surgery which in the opinion of the medical practitioner in attendance and FirstAssist Assistance can be delayed reasonably until your return to the United Kingdom.
c) any additional period of hospitalisation relating to treatment or services provided by a convalescent or nursing home or any rehabilitation centre.
d) hospitalisation as a result of a tropical disease where you have not had the recommended inoculations and/or taken the recommended medication.
e) any additional period of hospitalisation following your decision not to be repatriated after the date when in the opinion of FirstAssist Assistance it is safe to do so.
2. Anything mentioned in the General Exclusions.

Section 8 Emergency medical and other expenses
What is covered
We will pay you up to the amount shown in the Schedule of Benefits for the cover level you have selected for the following expenses which are necessarily incurred within 12 months of the incident as a result of your suffering bodily injury or illness and/or compulsory quarantine:
2. Emergency dental treatment for the immediate relief of pain (to natural teeth only) up to a limit of £750 (or £500 if you have selected Standard cover) incurred:
a) outside the United Kingdom or
b) within the Channel Islands.

Section 8 Emergency medical and other expenses
What is covered
We will pay you up to the amount shown in the Schedule of Benefits for the cover level you have selected for the following expenses which are necessarily incurred within 12 months of the incident as a result of your suffering bodily injury or illness and/or compulsory quarantine:
3. In the event of your death outside the United Kingdom the reasonable additional cost of funeral expenses abroad up to the amount shown in the Schedule of Benefits for the level of cover you have selected plus the reasonable cost of conveying your ashes to your home, or the additional costs of returning your body to your home.

Section 8 Emergency medical and other expenses
What is covered
We will pay you up to the amount shown in the Schedule of Benefits for the cover level you have selected for the following expenses which are necessarily incurred within 12 months of the incident as a result of your suffering bodily injury or illness and/or compulsory quarantine:
3. In the event of your death outside the United Kingdom the reasonable additional cost of funeral expenses abroad up to the amount shown in the Schedule of Benefits for the level of cover you have selected plus the reasonable cost of conveying your ashes to your home, or the additional costs of returning your body to your home.

Section 7 Personal money, passport and documents
What is covered
We will pay you up to:
1. The amount shown in the Schedule of Benefits for the cover level you have selected for the accidental loss of, theft of or damage to personal money and documents (including passports, visas, driving licences and green cards). In respect of foreign currency, cover is also operative during the 72 hours immediately preceding your departure on the outward journey.
The maximum we will pay if you are under the age of 16 for bank notes, currency notes and coins is £50.
2. £250 for reasonable additional travel and accommodation expenses incurred necessarily abroad to obtain a replacement of your lost or stolen passport or visa.
Special Conditions relating to claims
1. You must report to the local Police within 24 hours of discovery and obtain a written report of the loss, theft or attempted theft of all personal money, passports or documents.
2. If personal money, passports or documents are lost, stolen or damaged while in the care of a carrier, transport company, authority or hotel you must report to them, in writing, details of the loss, theft or damage and obtain written confirmation. If personal money, passports or documents are lost, stolen or damaged whilst in the care of an airline you must:
a) obtain a Property Irregularity Report from the airline.
b) give formal written notice of the claim to the airline within the time limit contained in their conditions of carriage (please retain a copy).
c) retain all travel tickets and tags for submission if a claim is to be made under this policy.
3. Receipts for items lost, stolen or damaged must be retained as these will help you to substantiate your claim.
What is not covered
1. The excess of each and every claim per incident for each insured person but limited to two excesses in all if Family Cover or Single Parent Cover applies.
2. Loss, theft of or damage to personal money or your passport or visa left unattended at any time (including in a vehicle or in the custody of carriers) unless deposited in a hotel safe, safety deposit box or left in your locked accommodation.
3. Loss, theft of or damage to travellers cheques if you have not complied with the issuers conditions or where the issuer provides a replacement service.
4. Loss or damage due to delay, confiscation or detention by customs or other authority.
5. Loss or damage due to depreciation in value, variations in exchange rates or shortages due to error or omission.
6. Anything mentioned in the General Exclusions.

Section 14 Legal expenses
What is covered
We will pay the legal expenses incurred by you or your representative, up to the amount shown in the Schedule of Benefits for the cover level you have selected, in the pursuit of compensation and/or damages against a third party arising from or out of your personal injury or death as a direct result of an accident.
Provided that we shall have complete control over the legal proceedings and the appointment and control of any representative.
Special Conditions relating to claims
1. Notification
You must inform FirstAssist by filling in a claim form within 90 days of the commencement of the event giving rise to the claim. You must give FirstAssist a full and truthful account of the details of your claim.
Until you have told FirstAssist about the claim and FirstAssist have given its agreement, FirstAssist will not be responsible for any legal expenses.
2. Selection of the Appointed Representative
Outside the European Union, we have complete control over the legal proceedings and the selection, appointment and control of any appointed representatives.
3. Arbitration
If there is a dispute between you and us or FirstAssist about this section of the policy, it can be taken to an independent arbitrator. The arbitrator will be a solicitor or barrister whom you and FirstAssist agree to. If FirstAssist cannot agree with you on an arbitrator, the President of the Law Society (or similar organisation) will choose the arbitrator. The side that loses the arbitration will pay the costs of the arbitration. If the decision is not totally in favour of one side, the arbitrator will decide who pays the costs. If you lose or are asked to pay a share of the costs, those costs will not be covered under this policy.
4. Co-operation
FirstAssist must be able to contact the appointed representative. You and the appointed representative must co-operate with us and tell us about developments concerning your case.
FirstAssist must be able to have access to the appointed representatives files if FirstAssist request this.
5. Settlement
You must tell FirstAssist if an offer is made to settle the legal proceedings. You must not negotiate or agree to settle the dispute without having our agreement beforehand. If you do not accept a reasonable offer, FirstAssist may not continue to support your claim.
6. Payment of Bills
You must send FirstAssist all bills for the appointed representatives legal expenses as soon as you receive them. You must confirm to FirstAssist that any charges you have to pay are acceptable and that FirstAssist may pay the bill for you.
7. Recovery
You and your representative must take every step to recover legal expenses. If FirstAssist pay legal expenses up to the maximum for any one claim and you pay more legal expenses to end your case, FirstAssist and you will share any legal expenses that are recovered.
FirstAssist and you will each receive the same percentage as was paid.
8. Claims Evidence
We will require the following evidence:
- A doctors certificate in respect of accidental personal injury or death certificate in respect of accidental death.
- Any independent witness statements.
- Any available supporting documentary evidence (including photographs if possible).
What is not covered
We will not pay for:
1. Anything specifically excluded from cover as detailed in the policy exclusions section of this policy.
2. Legal expenses incurred prior to the granting of support by FirstAssist.
3. Any claim reported more than 90 days after the start of the event giving rise to such a claim.
4. Any claim where, in our opinion, there is insufficient prospect of success in obtaining a reasonable benefit.
5. Damages or fines you have to pay.
6. Claims arising from a trip solely within the United Kingdom.
7. Any claim arising from your business or professional activities.
8. Legal expenses incurred in relation to a dispute between you and us or FirstAssist other than as detailed under the Arbitration clause.
9. Any legal expenses which are dependent upon the successful outcome of the case.

Section 7 Personal money, passport and documents
What is covered
We will pay you up to:
1. The amount shown in the Schedule of Benefits for the cover level you have selected for the accidental loss of, theft of or damage to personal money and documents (including passports, visas, driving licences and green cards). In respect of foreign currency, cover is also operative during the 72 hours immediately preceding your departure on the outward journey.
The maximum we will pay if you are under the age of 16 for bank notes, currency notes and coins is £50.
2. £250 for reasonable additional travel and accommodation expenses incurred necessarily abroad to obtain a replacement of your lost or stolen passport or visa.
Special Conditions relating to claims
1. You must report to the local Police within 24 hours of discovery and obtain a written report of the loss, theft or attempted theft of all personal money, passports or documents.
2. If personal money, passports or documents are lost, stolen or damaged while in the care of a carrier, transport company, authority or hotel you must report to them, in writing, details of the loss, theft or damage and obtain written confirmation. If personal money, passports or documents are lost, stolen or damaged whilst in the care of an airline you must:
a) obtain a Property Irregularity Report from the airline.
b) give formal written notice of the claim to the airline within the time limit contained in their conditions of carriage (please retain a copy).
c) retain all travel tickets and tags for submission if a claim is to be made under this policy.
3. Receipts for items lost, stolen or damaged must be retained as these will help you to substantiate your claim.
What is not covered
1. The excess of each and every claim per incident for each insured person but limited to two excesses in all if Family Cover or Single Parent Cover applies.
2. Loss, theft of or damage to personal money or your passport or visa left unattended at any time (including in a vehicle or in the custody of carriers) unless deposited in a hotel safe, safety deposit box or left in your locked accommodation.
3. Loss, theft of or damage to travellers cheques if you have not complied with the issuers conditions or where the issuer provides a replacement service.
4. Loss or damage due to delay, confiscation or detention by customs or other authority.
5. Loss or damage due to depreciation in value, variations in exchange rates or shortages due to error or omission.
6. Anything mentioned in the General Exclusions.

Section 7 Personal money, passport and documents
What is covered
We will pay you up to:
1. The amount shown in the Schedule of Benefits for the cover level you have selected for the accidental loss of, theft of or damage to personal money and documents (including passports, visas, driving licences and green cards). In respect of foreign currency, cover is also operative during the 72 hours immediately preceding your departure on the outward journey.
The maximum we will pay if you are under the age of 16 for bank notes, currency notes and coins is £50.
2. £250 for reasonable additional travel and accommodation expenses incurred necessarily abroad to obtain a replacement of your lost or stolen passport or visa.
Special Conditions relating to claims
1. You must report to the local Police within 24 hours of discovery and obtain a written report of the loss, theft or attempted theft of all personal money, passports or documents.
2. If personal money, passports or documents are lost, stolen or damaged while in the care of a carrier, transport company, authority or hotel you must report to them, in writing, details of the loss, theft or damage and obtain written confirmation. If personal money, passports or documents are lost, stolen or damaged whilst in the care of an airline you must:
a) obtain a Property Irregularity Report from the airline.
b) give formal written notice of the claim to the airline within the time limit contained in their conditions of carriage (please retain a copy).
c) retain all travel tickets and tags for submission if a claim is to be made under this policy.
3. Receipts for items lost, stolen or damaged must be retained as these will help you to substantiate your claim.
What is not covered
1. The excess of each and every claim per incident for each insured person but limited to two excesses in all if Family Cover or Single Parent Cover applies.
2. Loss, theft of or damage to personal money or your passport or visa left unattended at any time (including in a vehicle or in the custody of carriers) unless deposited in a hotel safe, safety deposit box or left in your locked accommodation.
3. Loss, theft of or damage to travellers cheques if you have not complied with the issuers conditions or where the issuer provides a replacement service.
4. Loss or damage due to delay, confiscation or detention by customs or other authority.
5. Loss or damage due to depreciation in value, variations in exchange rates or shortages due to error or omission.
6. Anything mentioned in the General Exclusions.

Section 11 Mugging
This section does not apply to trips within the United Kingdom.
What is covered
We will pay £50 per 24 hours up to the limit shown in the Schedule of Benefits for the cover level you have selected, in addition to any medical expenses incurred under Section 8 - Emergency Medical and Other Expenses of this policy if you are mugged and, as a result of your injuries received from the mugging, are admitted as an in-patient to a hospital abroad.
What is not covered
1. You must report to the local Police within 24 hours of the mugging and obtain written confirmation of your injuries and period of in-patient treatment from the hospital.
2. Any claims arising from trips taken within the United Kingdom.
3. Anything mentioned in the General Exclusions.

Section 12 Hijack
What is covered
We will pay a benefit of £50 per full 24 hours up to the amount shown on the Schedule of Benefits for the cover level you have selected for the duration of the hijack.
Special Conditions relating to claims
You must produce independent evidence in writing to support your claim.
What is not covered
1. Any claim where you or your business connections have engaged in activities that could be expected to increase the risk of hijack.
2. Anything mentioned in the General Exclusions.

A. SKI EQUIPMENT
What is covered
We will pay you up to £1,000 for the accidental loss of, theft of or damage to your own ski equipment, or up to £500 for hired ski equipment. The amount payable will be the value at todays prices less a deduction for wear, tear and depreciation, (or we may at our discretion replace, reinstate or repair the lost or damaged ski equipment).
The maximum we will pay for any one article, pair or set of articles is £250.
Special Conditions relating to claims
1. You must report to the local Police within 24 hours of discovery and obtain a written report of the loss, theft or attempted theft of all ski equipment.
2. If ski equipment is lost, stolen or damaged while in the care of a carrier, transport company, authority or hotel you must report to them, in writing, details of the loss, theft or damage and obtain written confirmation. If ski equipment is lost, stolen or damaged whilst in the care of an airline you must:
a) obtain a Property Irregularity Report from the airline.
b) give formal written notice of the claim to the airline within the time limit contained in their conditions of carriage (please retain a copy).
c) retain all travel tickets and tags for submission if a claim is to be made under this policy.
3. Receipts for items lost, stolen or damaged must be retained as these will help you to substantiate your claim.
What is not covered
1. The excess of each and every claim per incident for each insured person but limited to two excesses in all if Family Cover or Single Parent Cover applies.
2. Loss, theft of or damage to ski equipment contained in or stolen from an unattended vehicle:
a) overnight between 9 p.m. and 9 a.m. (local time) or
b) at any time between 9 a.m. and 9 p.m. (local time) unless it is in the locked boot which is separate from the passenger compartment for those vehicles with a boot, or for those vehicles without a separate boot locked in the vehicle and covered from view.
3. Loss or damage due to delay, confiscation or detention by customs or other authority.
4. Loss or damage caused by wear and tear, depreciation, deterioration, atmospheric or climatic conditions, moth, vermin, any process of cleaning, repairing or restoring, mechanical or electrical breakdown.
5. Loss or damage to ski equipment where the damage occurred whilst the ski equipment was in use.
6. Anything mentioned in the General Exclusions

A. SKI EQUIPMENT
What is covered
We will pay you up to £1,000 for the accidental loss of, theft of or damage to your own ski equipment, or up to £500 for hired ski equipment. The amount payable will be the value at todays prices less a deduction for wear, tear and depreciation, (or we may at our discretion replace, reinstate or repair the lost or damaged ski equipment).
The maximum we will pay for any one article, pair or set of articles is £250.
Special Conditions relating to claims
1. You must report to the local Police within 24 hours of discovery and obtain a written report of the loss, theft or attempted theft of all ski equipment.
2. If ski equipment is lost, stolen or damaged while in the care of a carrier, transport company, authority or hotel you must report to them, in writing, details of the loss, theft or damage and obtain written confirmation. If ski equipment is lost, stolen or damaged whilst in the care of an airline you must:
a) obtain a Property Irregularity Report from the airline.
b) give formal written notice of the claim to the airline within the time limit contained in their conditions of carriage (please retain a copy).
c) retain all travel tickets and tags for submission if a claim is to be made under this policy.
3. Receipts for items lost, stolen or damaged must be retained as these will help you to substantiate your claim.
What is not covered
1. The excess of each and every claim per incident for each insured person but limited to two excesses in all if Family Cover or Single Parent Cover applies.
2. Loss, theft of or damage to ski equipment contained in or stolen from an unattended vehicle:
a) overnight between 9 p.m. and 9 a.m. (local time) or
b) at any time between 9 a.m. and 9 p.m. (local time) unless it is in the locked boot which is separate from the passenger compartment for those vehicles with a boot, or for those vehicles without a separate boot locked in the vehicle and covered from view.
3. Loss or damage due to delay, confiscation or detention by customs or other authority.
4. Loss or damage caused by wear and tear, depreciation, deterioration, atmospheric or climatic conditions, moth, vermin, any process of cleaning, repairing or restoring, mechanical or electrical breakdown.
5. Loss or damage to ski equipment where the damage occurred whilst the ski equipment was in use.
6. Anything mentioned in the General Exclusions

A. SKI EQUIPMENT
What is covered
We will pay you up to £1,000 for the accidental loss of, theft of or damage to your own ski equipment, or up to £500 for hired ski equipment. The amount payable will be the value at todays prices less a deduction for wear, tear and depreciation, (or we may at our discretion replace, reinstate or repair the lost or damaged ski equipment).
The maximum we will pay for any one article, pair or set of articles is £250.
Special Conditions relating to claims
1. You must report to the local Police within 24 hours of discovery and obtain a written report of the loss, theft or attempted theft of all ski equipment.
2. If ski equipment is lost, stolen or damaged while in the care of a carrier, transport company, authority or hotel you must report to them, in writing, details of the loss, theft or damage and obtain written confirmation. If ski equipment is lost, stolen or damaged whilst in the care of an airline you must:
a) obtain a Property Irregularity Report from the airline.
b) give formal written notice of the claim to the airline within the time limit contained in their conditions of carriage (please retain a copy).
c) retain all travel tickets and tags for submission if a claim is to be made under this policy.
3. Receipts for items lost, stolen or damaged must be retained as these will help you to substantiate your claim.
What is not covered
1. The excess of each and every claim per incident for each insured person but limited to two excesses in all if Family Cover or Single Parent Cover applies.
2. Loss, theft of or damage to ski equipment contained in or stolen from an unattended vehicle:
a) overnight between 9 p.m. and 9 a.m. (local time) or
b) at any time between 9 a.m. and 9 p.m. (local time) unless it is in the locked boot which is separate from the passenger compartment for those vehicles with a boot, or for those vehicles without a separate boot locked in the vehicle and covered from view.
3. Loss or damage due to delay, confiscation or detention by customs or other authority.
4. Loss or damage caused by wear and tear, depreciation, deterioration, atmospheric or climatic conditions, moth, vermin, any process of cleaning, repairing or restoring, mechanical or electrical breakdown.
5. Loss or damage to ski equipment where the damage occurred whilst the ski equipment was in use.
6. Anything mentioned in the General Exclusions

C. SKI PACK
What is covered
We will pay you:
1. Up to £150 for the unused portion of your ski pack (ski school fees, lift passes and hired ski equipment) following your bodily injury or illness.
2. Up to £150 for the unused portion of your lift pass if lost.
Special Conditions relating to claims
You must provide written confirmation from a medical practitioner that such bodily injury or illness prevented you from using your ski pack.
What is not covered
1. Anything mentioned in the General Exclusions.

C. SKI PACK
What is covered
We will pay you:
1. Up to £150 for the unused portion of your ski pack (ski school fees, lift passes and hired ski equipment) following your bodily injury or illness.
2. Up to £150 for the unused portion of your lift pass if lost.
Special Conditions relating to claims
You must provide written confirmation from a medical practitioner that such bodily injury or illness prevented you from using your ski pack.
What is not covered
1. Anything mentioned in the General Exclusions.

D. PISTE CLOSURE
What is covered
We will pay you up to £25 per day, up to a maximum of £250 for the cost of transport organised by the tour operator to an alternative site if lack of snow conditions or avalanche results in the closure of skiing facilities (excluding cross-country skiing) in your resort and it is not possible to ski.
The cover only applies to:
1. the resort which you have pre-booked for a period exceeding 12 hours and for so long as such conditions prevail at the resort, but not exceeding the pre-booked period of your trip and
2. trips taken outside the United Kingdom during the published ski season for your resort. If no alternative sites are available we will pay you compensation of £25 per day up to a maximum of £250.
Special Conditions relating to claims
1. You must obtain written confirmation from the tour operator (or their representative) of the number of days skiing facilities were closed in your resort and the reason for the closure.
What is not covered
1. Any circumstances where costs, compensation or alternative skiing facilities are provided to you.
2. Anything mentioned in the General Exclusions.

D. PISTE CLOSURE
What is covered
We will pay you up to £25 per day, up to a maximum of £250 for the cost of transport organised by the tour operator to an alternative site if lack of snow conditions or avalanche results in the closure of skiing facilities (excluding cross-country skiing) in your resort and it is not possible to ski.
The cover only applies to:
1. the resort which you have pre-booked for a period exceeding 12 hours and for so long as such conditions prevail at the resort, but not exceeding the pre-booked period of your trip and
2. trips taken outside the United Kingdom during the published ski season for your resort. If no alternative sites are available we will pay you compensation of £25 per day up to a maximum of £250.
Special Conditions relating to claims
1. You must obtain written confirmation from the tour operator (or their representative) of the number of days skiing facilities were closed in your resort and the reason for the closure.
What is not covered
1. Any circumstances where costs, compensation or alternative skiing facilities are provided to you.
2. Anything mentioned in the General Exclusions.

D. PISTE CLOSURE
What is covered
We will pay you up to £25 per day, up to a maximum of £250 for the cost of transport organised by the tour operator to an alternative site if lack of snow conditions or avalanche results in the closure of skiing facilities (excluding cross-country skiing) in your resort and it is not possible to ski.
The cover only applies to:
1. the resort which you have pre-booked for a period exceeding 12 hours and for so long as such conditions prevail at the resort, but not exceeding the pre-booked period of your trip and
2. trips taken outside the United Kingdom during the published ski season for your resort. If no alternative sites are available we will pay you compensation of £25 per day up to a maximum of £250.
Special Conditions relating to claims
1. You must obtain written confirmation from the tour operator (or their representative) of the number of days skiing facilities were closed in your resort and the reason for the closure.
What is not covered
1. Any circumstances where costs, compensation or alternative skiing facilities are provided to you.
2. Anything mentioned in the General Exclusions.

E. AVALANCHE DELAY
What is covered
We will pay up to £500 for extra travel and accommodation if an avalanche or landslide delays your arrival at or departure from your booked resort.
Special Conditions relating to claims
1. You must obtain written confirmation from the appropriate authority to confirm the period of delay.
2. You will also need to tell us the scheduled time of your arrival/departure and the actual time of your arrival/departure.
What is not covered
1. Any expenses you can claim under any other insurance or elsewhere.
2. Anything mentioned in the General Exclusions.

B. HIRE OF SKI EQUIPMENT
What is covered
We will pay you up to £50 per day, up to a maximum of £500 for the reasonable cost of hiring replacement ski equipment as a result of the accidental loss of, theft of or damage to or temporary loss in transit for more than 24 hours of your own ski equipment.
Special Conditions relating to claims
1. You must report to the local Police within 24 hours of discovery and obtain a written report of the loss, theft or attempted theft of your own ski equipment.
2. If ski equipment is lost, stolen or damaged while in the care of a carrier, transport company, authority or hotel you must report to them, in writing, details of the loss, theft or damage and obtain written confirmation. If ski equipment is lost, stolen or damaged whilst in the care of an airline you must:
a) obtain a Property Irregularity Report from the airline.
b) give formal written notice of the claim to the airline within the time limit contained in their conditions of carriage (please retain a copy).
c) retain all travel tickets and tags for submission if a claim is to be made under this policy.
3. Receipts for items lost, stolen or damaged must be retained as these will help you substantiate your claim.
What is not covered
1. Loss, theft of or damage to ski equipment contained in or stolen from an unattended vehicle:
a) overnight between 9 p.m. and 9 a.m. (local time) or
b) at any time between 9 a.m. and 9 p.m. (local time) unless it is in the locked boot which is separate from the passenger compartment for those vehicles with a boot, or for those vehicles without a separate boot locked in the vehicle and covered from view.
2. Loss or damage due to delay, confiscation or detention by customs or other authority.
3. Loss or damage caused by wear and tear, depreciation, deterioration, atmospheric or climatic conditions, moth, vermin, any process of cleaning, repairing or restoring, mechanical or electrical breakdown.
4. Loss or damage to ski equipment where the damage occurred whilst the ski equipment was in use.
5. Anything mentioned in the General Exclusions.

B. HIRE OF SKI EQUIPMENT
What is covered
We will pay you up to £50 per day, up to a maximum of £500 for the reasonable cost of hiring replacement ski equipment as a result of the accidental loss of, theft of or damage to or temporary loss in transit for more than 24 hours of your own ski equipment.
Special Conditions relating to claims
1. You must report to the local Police within 24 hours of discovery and obtain a written report of the loss, theft or attempted theft of your own ski equipment.
2. If ski equipment is lost, stolen or damaged while in the care of a carrier, transport company, authority or hotel you must report to them, in writing, details of the loss, theft or damage and obtain written confirmation. If ski equipment is lost, stolen or damaged whilst in the care of an airline you must:
a) obtain a Property Irregularity Report from the airline.
b) give formal written notice of the claim to the airline within the time limit contained in their conditions of carriage (please retain a copy).
c) retain all travel tickets and tags for submission if a claim is to be made under this policy.
3. Receipts for items lost, stolen or damaged must be retained as these will help you substantiate your claim.
What is not covered
1. Loss, theft of or damage to ski equipment contained in or stolen from an unattended vehicle:
a) overnight between 9 p.m. and 9 a.m. (local time) or
b) at any time between 9 a.m. and 9 p.m. (local time) unless it is in the locked boot which is separate from the passenger compartment for those vehicles with a boot, or for those vehicles without a separate boot locked in the vehicle and covered from view.
2. Loss or damage due to delay, confiscation or detention by customs or other authority.
3. Loss or damage caused by wear and tear, depreciation, deterioration, atmospheric or climatic conditions, moth, vermin, any process of cleaning, repairing or restoring, mechanical or electrical breakdown.
4. Loss or damage to ski equipment where the damage occurred whilst the ski equipment was in use.
5. Anything mentioned in the General Exclusions.

Winter Sports
The following activities are covered
- On piste skiing or snowboarding on piste
- Off-piste skiing or snowboarding where accompanied by a qualified guide or instructor
- Cross country skiing on recognised routes and with a guide
- Ski racing arranged by ski schools for their pupils
- Sledging

Section 6 Baggage (only operative if indicated in the Schedule)
The amount payable will be the value at todays prices less a deduction for wear, tear and depreciation or we may at our discretion replace, reinstate or repair the lost or damaged baggage.

Section 6 Baggage (only operative if indicated in the Schedule)
What is covered
We will pay you up to the amounts shown in the Schedule of Benefits for the cover level you have selected for the accidental loss of, theft of or damage to your baggage.
The amount payable will be the value at todays prices less a deduction for wear, tear and depreciation or we may at our discretion replace, reinstate or repair the lost or damaged baggage.
The maximum we will pay for:
1. For any one article, pair or set of articles
2. The total for all valuables is the amount shown in the Schedule of Benefits for the cover level you have selected.
Special Conditions relating to claims
1. You must report to the local Police within 24 hours of discovery and obtain a written report of the loss, theft or attempted theft of all baggage.
2. If baggage is lost, stolen or damaged while in the care of a carrier, transport company, authority or hotel you must report to them, in writing, details of the loss, theft or damage and obtain written confirmation. If baggage is lost, stolen or damaged whilst in the care of an airline you must:
a) obtain a Property Irregularity Report from the airline.
b) give formal written notice of the claim to the airline within the time limit contained in their conditions of carriage (please retain a copy).
c) retain all travel tickets and tags for submission if a claim is to be made under this policy.
3. Receipts for items lost, stolen or damaged must be retained as these will help you to substantiate your claim.
What is not covered
1. The excess of each and every claim per incident for each insured person but limited to two excesses in all if Family Cover or Single Parent Cover applies.
2. Loss, theft of or damage to valuables left unattended at any time (including in a vehicle or in the custody of carriers) unless deposited in a hotel safe, deposit box or left in your locked accommodation.
3. Loss, theft of or damage to baggage contained in an unattended vehicle:
a) overnight between 9 p.m. and 9 a.m. (local time) or
b) at any time between 9 a.m. and 9 p.m. (local time) unless it is in the locked boot which is separate from the passenger compartment for those vehicles with a boot, or for those vehicles without a separate boot locked in the vehicle and covered from view.
4. Loss or damage due to delay, confiscation or detention by customs or other authority.
5. Loss, theft of or damage to unset precious stones, contact or corneal lenses, hearing aids, dental or medical fittings, antiques, musical instruments, deeds, manuscripts, securities, perishable goods, bicycles, and damage to suitcases (unless the suitcases are entirely unusable as a result of one single incidence of damage).
6. Loss or damage due to cracking, scratching, breakage of or damage to china, glass (other than glass in watch faces, cameras, binoculars or telescopes), porcelain or other brittle or fragile articles unless caused by fire, theft, or accident to the aircraft, sea vessel, train or vehicle in which they are being carried.
7. Loss or damage due to breakage of sports equipment or damage to sports clothing whilst in use.
8. Loss, theft of or damage to business goods, samples, tools of trade, motor accessories and other Items used in connection with your business, trade, profession or occupation.
9. Loss or damage caused by wear and tear, depreciation, deterioration, atmospheric or climatic conditions, moth, vermin, any process of cleaning, repairing, or restoring, mechanical or electrical breakdown.
10. Anything mentioned in the General Exclusions.

Section 5 Baggage delay
What is covered
We will pay up to the amount shown in the Schedule of Benefits for the cover level you have selected for each insured person for the cost of buying essential items if your baggage has been delayed or misplaced by the carrier for more than 12 hours during the outward part of your trip.
If we pay your claim under this section we will deduct the amount from the final settlement of any claim you make under Section 6 - Baggage, if the baggage is found to be permanently lost.
Special Conditions relating to claims
1. If your baggage is delayed whilst in the care of your carrier you must report to them, in writing, details of the loss whilst in their care. In the case of an airline, obtain a Property Irregularity Report.
2. You must keep detailed receipts for all essential replacement items purchased.
What is not covered
1. Claims arising from a trip solely within the United Kingdom.
2. Anything mentioned in the General Exclusions.

Section 1 Cancellation or curtailment
What is covered
We will pay you up to the amount shown in the Schedule of Benefits for the cover level you have selected for any irrecoverable unused travel and accommodation costs (including excursions) and other pre-paid charges which you have paid or are contracted to pay together with any reasonable additional travel expenses incurred if
a) cancellation of the trip is necessary and unavoidable or
b) the trip is curtailed before completion as a result of any of the following events occurring:
1. The death, bodily injury or illness of:
a) you
b) any person with whom you are travelling or have arranged to travel with
c) any person with whom you have arranged to reside temporarily
d) your close relative
e) a close business associate.
2. Compulsory quarantine, jury service attendance or being called as a witness at a Court of Law of you or any person with whom you are travelling or have arranged to travel with.
3. Redundancy (which qualifies for payment under current United Kingdom redundancy payment legislation and at the time of booking the trip there was no reason to believe anyone would be made redundant) of you or any person with whom you are travelling or have arranged to travel with.
4. The Police requesting you to remain at or return to your home due to serious damage to your home caused by fire, aircraft, explosion, storm, flood, subsidence, malicious persons or theft.
You may claim only under Section 1 - Cancellation or Curtailment for the same event, not both.
Special Conditions relating to claims
1. You must obtain a medical certificate from the medical practitioner in attendance and prior approval of FirstAssist Assistance to confirm the necessity to either:
a) return home prior to curtailment of the trip due to death, bodily injury or illness, or
b) remain in hospital for the rest of the trip due to bodily injury or illness.
2. If you fail to notify the travel agent, tour operator or provider of transport/accommodation immediately upon finding it necessary to cancel the trip, our liability shall be restricted to the cancellation charges that would have applied had failure not occurred.
3. If you cancel the trip due to bodily injury or illness you must provide a medical certificate from a medical practitioner stating that this necessarily and reasonably prevented you from travelling.
What is not covered
1. The excess of each and every claim per incident for each insured person but limited to two excesses in all if Family Cover or Single Parent Cover applies.
2. The cost of Air Passenger Duty.
3. Any claims arising directly or indirectly from:
a) redundancy caused by or resulting from misconduct leading to dismissal or from resignation or voluntary redundancy or where a warning or notification of redundancy was given prior to the date this insurance is purchased by you or the time of booking any trip (whichever is the earlier).
b) circumstances known to you prior to the date this insurance is purchased by you or the time of booking any trip (whichever is the earlier) which could reasonably have been expected to give rise to cancellation or curtailment of the trip.
4. Travel tickets paid for using any airline mileage reward scheme, for example Air Miles.
5. Stress, anxiety, depression or any other mental or nervous disorder that you are suffering from unless it has been investigated and diagnosed as such by a consultant specialising in the relevant field.
6. Anything mentioned in the General Exclusions.
You should also refer to the Important Conditions Relating To Health section.

Section 3 Missed departure
What is covered
We will pay you up to the amount shown in the Schedule of Benefits for the cover level you have selected for reasonable additional accommodation (room only) and travel expenses necessarily incurred in reaching your overseas destination or returning to the United Kingdom if you fail to arrive at the international departure point in time to board the public transport on which you are booked to travel on the initial international journey of the trip as a result of:
a) the failure of other public transport
b) an accident to or breakdown of the vehicle in which you are travelling
c) strike, industrial action or adverse weather conditions.
You may claim only under Section 3 - Missed Departure or Section 4 - Travel Delay for the same event, not both.
Special Conditions relating to claims
1. In the event of a claim arising from any delay occurring following an accident to or breakdown of the vehicle in which you are travelling you must obtain written confirmation from the Police or emergency breakdown services of the location, reason for and duration of the delay.
2. You must allow sufficient time for the public transport or other transport to arrive on schedule and to deliver you to the departure point.
What is not covered
1. The excess of each and every claim per incident for each insured person but limited to two excesses in all if Family Cover or Single Parent Cover applies.
2. Claims arising directly or indirectly from:
a) strike or industrial action existing or declared publicly by the date this insurance is purchased by you.
b) an accident to or breakdown of the vehicle in which you are travelling for which a professional repairers report is not provided.
c) breakdown of any vehicle in which you are travelling if the vehicle is owned by you and has not been serviced properly and maintained in accordance with the manufacturers instructions.
d) withdrawal from service (temporary or otherwise) of an aircraft or sea vessel on the recommendation of the Civil Aviation Authority or a Port Authority or any similar body in any country.
3. Additional expenses where the scheduled public transport operator has offered reasonable alternative travel arrangements.
4. Anything mentioned in the General Exclusions.

Section 4 Travel delay
What is covered
If departure of the public transport on which you are booked to travel is delayed at the final departure point from or to the United Kingdom for at least 12 hours from the scheduled time of departure due to:
1. Strike
2. Industrial action
3. Adverse weather conditions
4. Mechanical breakdown of or a technical fault occurring in the public transport on which you are booked to travel
We will pay you:
1. £20 for the first completed 12 hours delay and £20 for each full 12 hours delay thereafter up to the amount shown in the Schedule of Benefits for the cover level you have selected or
2. Up to the amount shown in the Schedule of Benefits for the cover level you have selected under Section 1 - Cancellation or Curtailment for any irrecoverable unused travel and accommodation costs and other pre-paid charges which you have paid or are contracted to pay if after a minimum 12 hours has elapsed, you choose to cancel your trip.
You may claim only under subsection 1. or 2. above for the same event, not both.
You may claim only under this section or Section 3 - Missed Departure for the same event, not both.
Special Conditions relating to claims
1. You must check in according to the itinerary supplied to you.
2. You must obtain confirmation from the carriers (or their handling agents) in writing of the number of hours of delay and the reason for the delay.
3. You must comply with the terms of contract of the travel agent, tour operator or provider of transport.
What is not covered
1. Claims arising directly or indirectly from:
a) strike or industrial action or air traffic control delay existing or publicly declared by the date this insurance is purchased by you.
b) withdrawal from service (temporary or otherwise) of an aircraft or sea vessel on the recommendation of the Civil Aviation Authority or a Port Authority or any similar body in any country.
2. Anything mentioned in the General Exclusions.

Section 4 Travel delay
What is covered
If departure of the public transport on which you are booked to travel is delayed at the final departure point from or to the United Kingdom for at least 12 hours from the scheduled time of departure due to:
1. Strike
2. Industrial action
3. Adverse weather conditions
4. Mechanical breakdown of or a technical fault occurring in the public transport on which you are booked to travel
We will pay you:
1. £20 for the first completed 12 hours delay and £20 for each full 12 hours delay thereafter up to the amount shown in the Schedule of Benefits for the cover level you have selected or
2. Up to the amount shown in the Schedule of Benefits for the cover level you have selected under Section 1 - Cancellation or Curtailment for any irrecoverable unused travel and accommodation costs and other pre-paid charges which you have paid or are contracted to pay if after a minimum 12 hours has elapsed, you choose to cancel your trip.
You may claim only under subsection 1. or 2. above for the same event, not both.
You may claim only under this section or Section 3 - Missed Departure for the same event, not both.
Special Conditions relating to claims
1. You must check in according to the itinerary supplied to you.
2. You must obtain confirmation from the carriers (or their handling agents) in writing of the number of hours of delay and the reason for the delay.
3. You must comply with the terms of contract of the travel agent, tour operator or provider of transport.
What is not covered
1. Claims arising directly or indirectly from:
a) strike or industrial action or air traffic control delay existing or publicly declared by the date this insurance is purchased by you.
b) withdrawal from service (temporary or otherwise) of an aircraft or sea vessel on the recommendation of the Civil Aviation Authority or a Port Authority or any similar body in any country.
2. Anything mentioned in the General Exclusions.

Section 13 Personal liability
What is covered
We will pay up to the amount shown in the Schedule of Benefits for the cover level you have selected (inclusive of legal costs and expenses) against any amount you become legally liable to pay as compensation for any claim or series of claims arising from any one event or source of original cause in respect of accidental:
1. bodily injury, death, illness or disease to any person who is not in your employment or who is not a close relative or member of your household.
2. loss of or damage to property that does not belong to and is neither in the charge of or under the control of you, a close relative, anyone in your employment or any member of your household other than any temporary holiday accommodation occupied (but not owned) by you.
Special Conditions relating to claims
1. You must give us written notice as soon as possible of any incident, which may give rise to a claim.
2. You must forward every letter, writ, summons and process to us as soon as you receive it.
3. You must not admit any liability or pay, offer to pay, promise to pay or negotiate any claim without our written consent.
4. We will be entitled if we so desire to take over and conduct in your name the defence of any claims for indemnity or damages or otherwise against any third party. We shall have full discretion in the conduct of any negotiation or proceedings or in the settlement of any claim and you shall give us all necessary information and assistance which we may require.
5. In the event of your death, your representative(s) will have the protection of this cover provided that such representative(s) comply(ies) with the terms and conditions outlined in this policy.
What is not covered
1. Compensation or legal costs arising directly or indirectly from:
a) liability which has been assumed by you under agreement unless the liability would have attached in the absence of such agreement.
b) pursuit of any business, trade, profession or occupation or the supply of goods or services.
c) ownership or use of aircraft, horse-drawn or mechanical/motorised vehicles, bicycles, vessels (other than rowing boats, punts or canoes), animals (other than horses, domestic dogs or cats), or firearms (other than guns being used for sport).
d) the transmission of any communicable disease or virus.
e) ownership or occupation of land or buildings (other than occupation only of any temporary holiday accommodation where we will not pay for the first £200 of each and every claim arising from the same incident).
2. Anything mentioned in the General Exclusions.

Section 2 Catastrophe
What is covered
We will pay you up to the amount shown in the Schedule of Benefits for the cover level you have selected should you be forced to move from your pre-booked and pre-paid accommodation outside of the United Kingdom as a result of fire, lightning, explosion, earthquake, storm, tempest, hurricane, flood, medical epidemic or local Government directive which is confirmed in writing by local or national authority, for the irrecoverable travel or accommodation costs necessarily incurred to continue with your pre-paid trip or, if the trip cannot be continued, for your return to the United Kingdom.
What is not covered
1. Any expense following your disinclination to travel or to continue with your trip when official directives from the local or national authority state it is acceptable to do so.
2. Any cost or expense payable by or recoverable from the tour operator, airline, hotel or other provider of services.

24 Hour emergency assistance
In the event of a serious illness or accident which may lead to you incurring emergency medical expenses over £500 or before any arrangements are made for repatriation or in the event of curtailment necessitating your early return home you must contact FirstAssist Assistance. The service is available to you and operates 24 hours a day, 365 days a year for advice, assistance, making arrangements for hospital admission, repatriation and authorisation of medical expenses. If this is not possible because the condition requires immediate emergency treatment you must contact FirstAssist Assistance as soon as possible. Private medical treatment is not covered unless authorised specifically by FirstAssist Assistance.

Hazardous Activities
Covered
Aerobics
Badminton
Baseball
Basketball
Boogie Boarding
Bowls
Cricket
Croquet
Curling
Cycling (no racing)
Fell Walking
Fishing
Golf
Ice Skating
Jogging
Manual Work (at ground level involving no machinery)
Marathon Running
Mountain Biking (on recognised routes)
Rambling
Rounders
Sailing (within territorial waters)
SCUBA Diving (down to 30m accompanied by a qualified diver or instructor)
Snorkelling
Softball
Squash
Surfing
Swimming
Table Tennis
Tennis
Ten Pin Bowling
Volleyball
Walking
Water Polo
Covered if professionally organised and supervised plus you wear appropriate safety equipment and take safety precautions:
Abseiling
Archery
Banana Boating
Black Water Rafting
Bungee Jumping
Canoeing/Kayaking (no white water)
Clay Pigeon Shooting
Fencing
Flotilla Sailing (with professional leader)
Go Karting
Gymnastics
Hiking (under 6,000m)
Horse Riding (no jumping)
Hot Air Ballooning
Indoor Rock Climbing (with belays)
Jet Biking
Jet Skiing
Paint Balling
Parascending over water
Pony Trekking
River Tubing (no white water)
Shooting (not Big Game)
Sleigh riding (as a passenger)
Swimming with Dolphins
Trampolining
Water Skiing (no jumping)
White Water Rafting
Zorbing
Not Covered
Base Jumping
Big Game Hunting
BMX Stunt Riding
Bouldering
Boxing
Canyoning
Caving/Pot Holing
Coasterring
Cycle Racing
Flying except (as a fare paying passenger)
Free/High Diving
Gliding
Hang Gliding
Horse Jumping/Hunting
Judo/Karate/Martial Arts
Kite Surfing
Lacrosse
Micro Lighting
Motor Cycling (unless on machines of less than 125cc and where you have held a motorcycle licence for at least 3 years and are conviction free and are wearing a helmet)
Mountaineering
Organised Team Sports
Parachuting
Paragliding
Parascending (over land)
Polo
Professional/Semi
Professional Sports
Quad Biking
Rock Climbing
Sailing (outside territorial waters)
Scuba Diving (below 30m)
Shark Diving
Street Hockey
Water Ski Jumping
Weightlifting
Wrestling

General exclusions
We will not pay for claims arising directly or indirectly from General Exclusions applicable to all sections of the policy.
1. War, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, terrorism (except under Section 8 - Emergency Medical and Other Expenses and Section 10 - Personal Accident), revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power.
2. Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste, from combustion of nuclear fuel, the radioactive, toxic, explosive or other hazardous properties of any nuclear assembly or nuclear component of such assembly.
3. Loss, destruction or damage directly occasioned by pressure waves caused by aircraft and other aerial devices travelling at sonic or supersonic speeds.
4. The failure or fear of failure or inability of any equipment or any computer programme, whether or not you own it, to recognise or to interpret correctly or process any date as its true calendar date, or to continue to function correctly beyond that date.
5. Your pursuit of winter sports unless Section 15 - Winter Sports is shown as operative in your schedule, in which case cover will apply to:
a) the winter sports shown under hazardous activities.
b) any other winter sports shown as covered in your schedule.
6. Your participation in or practice of any other sport or activity unless:
a) shown as covered under hazardous activities.
b) shown as covered in your schedule.
7. Your use of a motorised vehicle unless a full United Kingdom driving licence is held permitting the use of such vehicles in the United Kingdom.
8. Your wilfully, self-inflicted injury or illness, suicide or attempted suicide, sexually transmitted diseases, solvent abuse, alcohol abuse, the use of drugs (other than drugs taken in accordance with treatment prescribed and directed by a medical practitioner but not for the treatment of drug addiction), self-exposure to needless peril (except in an attempt to save human life).
9. Your pregnancy or childbirth where the pregnancy has exceeded 28 weeks.
10. Your own unlawful action or any criminal proceedings against you.
11. Consequential loss of any kind (for example the replacement of locks following loss of keys).
12. Operational duties of a member of the Armed Forces.
13. Your travel to a country or specific area or event to which the Travel Advice Unit of the Foreign and Commonwealth Office has advised the public not to travel.
14. Any liability arising from any goods, services advice, or arrangements supplied by FirstAssist or any of its agents.

General exclusions
We will not pay for claims arising directly or indirectly from General Exclusions applicable to all sections of the policy.
1. War, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, terrorism (except under Section 8 - Emergency Medical and Other Expenses and Section 10 - Personal Accident), revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power.

General exclusions
We will not pay for claims arising directly or indirectly from General Exclusions applicable to all sections of the policy.
1. War, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, terrorism (except under Section 8 - Emergency Medical and Other Expenses and Section 10 - Personal Accident), revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power.

General exclusions
We will not pay for claims arising directly or indirectly from General Exclusions applicable to all sections of the policy.
4. The failure or fear of failure or inability of any equipment or any computer programme, whether or not you own it, to recognise or to interpret correctly or process any date as its true calendar date, or to continue to function correctly beyond that date.

Claims conditions
You must comply with the following conditions to have the full protection of your policy. If you do not comply we may at our discretion cancel the policy or refuse to deal with your claim or reduce the amount of any claim payment.
1. Making a claim
You must notify us preferably by phone at the address given below, depending on the type of claim.
Please quote scheme number 562 when contacting us.
All claims except Legal Expenses
getMY travel insurance claims
PO Box 1037
Oakleigh House
Cardiff
CF11 1HU
Telephone: 0845 604 9860
Legal Expenses only
getMY travel insurance claims
Legal Expenses Department
FirstAssist Insurance Services Ltd
Marshalls Court
Marshalls Road
Sutton, Surrey SM1 4DU
Telephone: 0208 652 1313
The notification must be made within 31 days or as soon as possible thereafter following any bodily injury, illness, disease, incident, event, redundancy or the discovery of any loss, theft or damage which may give rise to a claim under this policy.
You must also inform us if you are aware of any writ, summons or impending prosecution. Every communication relating to a claim must be sent to us without delay.
You or anyone acting on your behalf must not negotiate, admit or repudiate any claim without our written consent.
You or your representatives must supply at your own expense all information, evidence, details of household insurance and medical certificates as required by us.
We reserve the right to require you to undergo an independent medical examination at our expense.
We may also request and will pay for a post-mortem examination.
You must retain any property which is damaged, and, if requested, send it to us at your own expense. If we pay a claim for the full value of the property and it is subsequently recovered or there is any salvage then it will become our property.
We may refuse to reimburse you for any expenses for which you cannot provide receipts or bills.
2. Subrogation
We are entitled to take over any rights in the defence or settlement of any claim and to take proceedings in your name for our benefit against any other party.
3. Fraud
You must not act in a fraudulent manner.
If you or anyone acting for you
a) make a claim under the policy knowing the claim to be false or fraudulently exaggerated in any respect or
b) make a statement in support of a claim knowing the statement to be false in any respect or
c) submit a document in support of a claim knowing the document to be forged or false in any respect or
d) make a claim in respect of any loss or damage caused by your wilful act or with your connivance.
Then
a) we shall not pay the claim
b) we shall not pay any other claim which has been or will be made under the policy
c) we may at our discretion declare the policy void
d) we shall be entitled to recover from you the amount of any claim already paid under the policy
e) we shall not make any return of premium
f) we may inform the police of the circumstances.

General conditions
General conditions applicable to the whole policy
You must comply with the following conditions to have the full protection of your policy. If you do not comply we may at our discretion cancel the policy or refuse to deal with your claim or reduce the amount of any claim payment.
1. Dual insurance
If at the time of any incident which results in a claim under this policy, there is another insurance covering the same loss, damage, expense or liability we will not pay more than our proportional share (not applicable to Section 10 - Personal Accident).
2. Reasonable precautions
You must take and cause to be taken all reasonable precautions to avoid injury, illness, disease, loss, theft or damage and take and cause to be taken all practicable steps to safeguard your property from loss or damage and to recover property lost or stolen.
3. Statutory Cancellation Rights
Annual policies
You may cancel this policy within 14 days of receipt of the policy documents (new business) or the renewal date (the cancellation period) by contacting us during the cancellation period.
We may retain an amount of premium in proportion to the time that we have been on cover and return the balance to you.
Single Trip Policies
For Single Trip policies you may cancel the policy within 14 days of receipt of the policy documents by contacting us. You will be entitled to a full refund so long as you have not claimed or started a trip in this period.
Cancellation outside the Statutory Period
We reserve the right to cancel the policy by providing 21 days notice by registered post to your last known address. Any premium refund will be calculated in accordance with the above.
Non Payment of Premiums
We reserve the right to cancel this policy immediately in the event of non payment of the premium.

Policy excess
Under most sections of the policy, claims will be subject to an excess (unless the Excess Waiver option has been selected). This means that you will be responsible for paying the first part of each and every claim (as shown in your schedule) per incident for each insured person but limited to a maximum of two excesses for any one claim resulting from the same incident.

Reciprocal health agreements
EU, EEA or Switzerland
If you are travelling to countries within the European Union (EU), the European Economic Area (EEA) or Switzerland, you are strongly advised to obtain a European Health Insurance Card (EHIC) from your local Post Office. This will entitle you to benefit from the reciprocal health care arrangements which exist between countries within the EU/EEA or Switzerland.
In the event of liability being accepted for a medical expense which has been reduced by the use of either a EHIC or private health insurance, we will not apply the deduction of a policy excess under Section 8 - Emergency Medical and Other Expenses.