Policy Summary

BRITTANY FERRIES - 07BFT

INTRODUCTION TO YOUR POLICY

This policy document provides You with the terms, conditions and exclusions of the insurance cover, together with information that will help You in the event of an emergency. The policy contains different levels of cover, some of which do not apply unless You have paid the appropriate additional premium. Conditions and exclusions will apply to individual Sections of Your policy while general exclusions, conditions and notes will apply to the whole of Your policy.

Please read this document and Your Certificate very carefully to ensure You understand the extent of the cover and assistance services, exactly what is and is not covered, the conditions of cover, and that this meets Your requirements.

Cooling Off Period : Unless Your Trip will be completed within 1 month of buying this insurance, You have the right to cancel any policy of insurance within 14 days of the date of issue or receipt of the terms and conditions, whichever is later. We will refund to you any premium you have paid and will recover from you any payments we have made.

PLEASE KEEP THIS DOCUMENT IN A SAFE PLACE AND TAKE IT WITH YOU WHEN YOU TRAVEL IN CASE YOU NEED ASSISTANCE OR NEED TO MAKE A CLAIM. IF YOU HAVE ANY QUESTIONS OR ARE IN ANY DOUBT ABOUT THE COVER PROVIDED PLEASE CALL OUR TRAVEL HELPLINE ON : 0870 737 5650.

CONTENTS

YOUR PERSONAL TRAVEL INSURANCE POLICY

We will provide the services and benefits described in this policy:

• during the Period of Insurance
• within the Geographical Limits
• subject to the Limits of Cover, and all other terms, conditions and exclusions contained in this policy
• to persons who habitually reside in the UK Area (i. e. have their main home in the UK Area and have not spent more than 6 months abroad in the year prior to purchasing the policy)
• following payment of the appropriate premium for the level of cover selected

Benefits under this policy are underwritten by Europ Assistance Holding Irish Branch of 3rd Floor, St James House, Adelaide Road, Dublin 2, Ireland.
This policy is effected in England and is subject to the Laws of England and Wales.
Europ Assistance Holdings Ltd is authorised and regulated by the Financial Services Authority.

SUMMARY OF COVER

Cover	Limits of Cover	Excess
Personal Assistance Services	£250 (€350)	Nil
Medical Emergency & Repatriation	£5,000,000 (€7,000,000)	£35 (€40)
Emergency Dental Treatment	£250 (€350)	£35 (€40)
Additional Accommodation & Travelling Costs	£750 (€1,000)	Nil
Hospital Daily Benefit	£25 (€35) per complete day of inpatient treatment : up to £250 (€350)	Nil
Cancellation & Curtailment	£3,500 (€5,000)	£35 (€40)
Travel Delay	£20 (€25) for the first full 8 hour delay then £10 (€14) for each subsequent full 12 hours : maximum £60 (€75)	Nil
Missed Departure on the Outward Journey	£350 (€500)	Nil
Personal Luggage	£1,500 (€2,100)	£35 (€40)
• Single article, or Pair or Set of articles	£350 (€500)	£35 (€40)
• Valuables	£350 (€500)	£35 (€40)
Luggage Delay	In excess of 24 hours : £100 (€140)	Nil
Money & Passport	£750 (€1,050)	£35 (€40)
• Cash	£300 (€425)	£35 (€40)
Personal Liability	£2,000,000 (€2,750,000)	£35 (€40)
Personal Accident
• Death	£25,000 (€36,000)	Nil
If the Insured Person is aged under 16 or over 65	£1,000 (€1,250)	Nil
• Loss of one or more Limbs, or total and irrecoverable Loss of Sight in one or both eyes	£25,000 (€36,000)	Nil
• Permanent Total Disablement	£25,000 (€36,000)	Nil
If the Insured Person is aged over 65	£1,000 (€1,250)	Nil
Legal Protection	£25,000 (€36,000)	Nil
Optional Golf Cover
• Golf equipment	£1,000 (€1,250)	£35 (€40)
• Golf equipment Hire	£15 (€20) per day up to a maximum of maximum of £300 (€400)	Nil
• Non refundable golfing fees	£75 (€100) per day up to a maximum of £300 (€400)	Nil
Optional Winter Sports Cover
• Skis, ski equipment	£500 (€700)	£35 (€40)
• Ski pass	£250 (€350)	£35 (€40)
• Ski equipment delay	£30 (€40) per day up to a maximum of £300 (€400)	Nil
• Piste closure	£20 (€25) per day up to a maximum of £200 (€250)	Nil
• Avalanche or landslide	£30 (€40) per day up to a maximum of £150 (€200)	Nil

IMPORTANT NOTES

We would like to draw Your attention to important features of Your policy including:

IMPORTANT HEALTH REQUIREMENTS

You must comply with the following conditions in order to have full protection under this policy. If You do not comply We may, at Our option, cancel the policy, refuse to deal with Your claim or reduce the amount of any claim payment.
This insurance operates on the following basis:

1. To be covered, You must be healthy, fit to travel and to undertake Your planned Trip;
2. The insurance will NOT cover You when You are traveling against the advice of a Medical Practitioner (or would be travelling against the advice of a Medical Practitioner had You sought his/her advice);
3. The insurance will NOT cover You when You are traveling with the intention of obtaining medical treatment or consultation abroad.
4. The insurance will NOT cover You if You have any undiagnosed symptoms that require attention or investigation in the future (that is symptoms for which You are awaiting investigations/consultations, or awaiting results of investigations, where the underlying cause has not been established).

No claim arising directly or indirectly from a Pre-existing Medical Condition affecting You will be covered unless:

• You have declared ALL Pre-existing Medical conditions to Us; and
• You have declared any changes in Your health or prescribed medication; and
• We have accepted that condition for insurance in writing.

Each Insured Person who has a Pre-existing Medical Condition must make a Medical Health Declaration before each Period of Insurance and, if there are any changes in Your health or prescribed medication, prior to commencement of the Period of Insurance or departing on any Trip. Failure to declare any Pre-existing Medical Condition that is relevant to the insurance may invalidate the policy.

We may require You to obtain a medical report from Your General Practitioner or Consultant in order to assess whether cover applies. Any costs incurred in obtaining this medical report shall be borne by You.

Based on Our assessment of the medical information supplied to Us, We will decide whether or not the person is suitable for insurance, if certain exclusions or restrictions should be imposed, or if cover can be offered subject to the payment of an additional premium. If We offer cover, and, if the cover is subject to the payment of an additional premium, cover will not commence until full payment has been received by Us and written confirmation has been provided by Us.

To declare a Pre-existing Medical Condition or a change in Your state of health or prescribed medication, You should contact Us during office hours on : 0870 737 5841.

You should also refer to the General Exclusions.

Important Limitations – Cancellation, Curtailment & Trip Interruption Cover

This policy will NOT cover any claims under Section 6 (Cancellation, Curtailment or Trip Interruption) arising directly or indirectly from any Pre-existing Medical Condition, (known to You prior to the commencement of the Period of Insurance) affecting any:

• Close Relative who is not travelling as an Insured Person under this policy; or
• travelling companion who is not insured under this policy; or
• person with whom You intend to stay whilst on Your Trip,

If during the 90 days immediately prior to the commencement of the Period of Insurance they had:

1. required surgery, inpatient treatment or hospital consultations; or
2. required any form of treatment or prescribed medication; or
3. if they were on a waiting-list for, or had knowledge of the need for, surgery, inpatient treatment or investigation at any hospital or clinic at the commencement of the Period of Insurance; or
4. if a terminal diagnosis had been received prior to the commencement of the Period of insurance.

You should also refer to the General Exclusions.

EMERGENCY ASSISTANCE 24 HOURS A DAY

You should first check that the circumstances are covered by Your policy.

Having done this please contact the appropriate 24-hour telephone number shown after the appropriate Section of cover. Give Your name, insurance details, and as much information as possible. Please give Us a telephone, fax or telex number where We can contact You or leave messages at any time of the day or night.

TRIPS TO THE MAINLAND SPAIN, THE CANARY ISLANDS (Tenerife, Gran Canaria, Fuerteventura, Lanzarote, La Palma, Gomera and El Hierro) AND THE BALEARIC ISLANDS (Cabrera, Majorca/Mallorca, Menorca, Formentera, Ibiza) – 24 HOUR EMERGENCY SERVICE

When away from Home, it is most important that You have immediate access to professional medical attention in the event of an emergency. With this in mind, We have put in place, for Your benefit, a network of medical professionals throughout mainland Spain, the Canary Islands and the Balearic Islands, at Your service 24 hours a day, 7 days a week. This is supported by a 24 hour medical emergency service, which can direct You to these professionals, and which will also follow Your case through from the moment You enter hospital until You are released and, in more serious cases, until You are safely repatriated (accompanied, if deemed medically necessary, by one of Our medical team).

In addition, no Policy Excess will apply when You receive inpatient treatment (where medically necessary) at:

1. one of Our network hospitals, or
2. a state hospital when You have used the E111 or European Health Insurance Card to effectively reduce the cost of Your medical treatment or medicines.

For further information:

Telephone : 0044 (0) 1444 442077

E-mail : medicalops@europ-assistance.co.uk

Website : www. europ-assistance.co.uk/spanishmedicalnetwork

RECIPROCAL HEALTH AGREEMENTS

If You intend travelling to European Union (EU) countries, the European Economic Area (EEA) or Switzerland We would advise You to obtain a Form CM1 from Your local main Post Office. On returning this, duly completed, to the main Post Office You will be issued with a European Health Insurance Card (EHIC), which will entitle You to certain free or reduced cost health arrangements in the EU, EEA or Switzerland. (Full details are given in the DSS Leaflet T7 - Health Advice for Travellers.)

Please note : For claims under Section 2 (Medical Emergency & Repatriation) or Section 3 (Emergency Dental Treatment), no Policy Excess will apply when You receive inpatient treatment (where medically necessary) at a state hospital within the EU, EEA or Switzerland if You have used the European Health Insurance Card to effectively reduce the cost of Your treatment or medicines.

MEANING OF WORDS

Wherever the following words and phrases appear in this policy they will always have these meanings:

Accidental Bodily Injury: A sudden, violent, external, unexpected specific event, which occurs at an identifiable time and place, which solely and independently of any other cause results, within 12 months, in the death, Loss of Limb, Loss of Sight or the Permanent Total Disablement of an Insured Person.

Carrier: A scheduled or chartered aircraft (excluding all nonpressurised single engine piston aircraft), land (excluding any hired motor vehicle) or water conveyance licensed to carry passengers for hire.

Certificate: The validation page/confirmation of booking issued in respect of this policy which sets out the names of the Insured Persons, the Geographical Limits, the Period of Insurance and any other special conditions and terms.

Close Relative: Spouse or Common Law Partner, parent , parent-in-law, step-parent, legal guardian, children (including legally adopted and step-children, and daughter/son-in-law), sibling (including step-siblings and sister/brother-in-law), grandparent, grandchild, or fiancé(e) of an Insured Person.

Common Law Partner: The person living with the Insured Person as if husband or wife, including same sex partner, for at least six consecutive months at the commencement of the Period of Insurance.

Curtailment: Abandonment of a planned Trip, after commencement of the outward journey, by return to Home earlier than on the scheduled return date.

Family: The main Insured Person, his/her spouse or Common Law Partner, and their dependent children under 18 years of age (in full-time education and residing with them).

Geographical Limits: The countries of the Zone for which You have paid the appropriate premium, as specified on the Certificate.

Cover applies door-to-door, so the appropriate benefits (unless stated otherwise) apply within Your country of departure once You commence Your Trip, and during Your return journey to Your Home.

You will be covered when travelling by recognised public transport between countries, but not if You are being paid to crew a private motor or sailing vessel or are travelling by private plane.

Zone 1: Albania, Andorra, Armenia, Austria, Azerbaijan, Belarus, Belgium, Bosnia-Herzegovina, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark (including Faeroe Islands), Estonia, Finland, France (including Corsica), Georgia, Germany, Gibraltar, Greece (including Greek Isles), Hungary, Iceland, Ireland, Italy (including Aeolian Islands, Sardinia, Sicily), Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Malta, Moldova, Monaco, Netherlands, Norway (including Jan Mayen, Svalbard Is), Poland, Portugal (including Azores, Madeira Islands), Romania, Russia (European), San Marino, Serbia/Montenegro (including Kosovo), Slovakia, Slovenia, Spain (including Balearic Islands, Canary Islands), Sweden, Switzerland, Turkey, Ukraine, United Kingdom (including England, Scotland, Wales, Northern Ireland, Channel Islands, Hebrides, Isle of Man, Isle of Wight, Orkney Is, Shetland Is) and Vatican City

Golf Equipment: Golf clubs, golf bag, non-motorised golf trolley and golf shoes.

Home: Your principal place of residence in the UK Area, used for domestic purposes, and including garage(s) and other outbuilding(s).

Insured Person or You/Your: Each person named on the Certificate and for whom the appropriate premium has been paid, resident in the UK Area, and at the commencement of the Period of Insurance being not more than 79 years of age.

Limits of Cover: Unless stated to the contrary, Our maximum liability in any one Period of Insurance is limited to the amount stated in each Section, per Insured Person.

Loss of Limb: Loss by physical severance, or the total and irrecoverable permanent loss of use or function of, an arm at or above the wrist joint, or a leg at or above the ankle joint.

Loss of Sight: Total and irrecoverable loss of sight in one or both eye(s); this is considered to have occurred if the degree of sight remaining after correction is 3/60 or less on the Snellen scale. (This means being able to see at 3 feet or less what You should see at 60 feet. )

Manual Work: Work involving hands-on involvement with the installation, assembly, maintenance or repair of electrical, mechanical or hydraulic plant, (other than in a purely managerial/supervisory, sales or administrative capacity), or the undertaking of any trade of plumber, electrician, lighting or sound technician, carpenter, painter/decorator or builder, or manual labour of any kind (other than in the catering industry). Cover for Manual Work will be provided where such work is solely in a voluntary capacity, for a charity registered under the Charity Commission in England and Wales, the Scottish Charity regulator or the Department for Social Development in Northern Ireland and where there is no financial gain. In such circumstances, there will be no cover for hands-on involvement with the installation, assembly, maintenance, repair or use of heavy electrical, mechanical or hydraulic plant or machinery, or for working more than 3 meters above the ground, and cover for Personal Accident and Personal Liability is excluded. In the event of an injury occurring as a result of voluntary labour, the Policy Excess under Section 2 (Medical Emergency & Repatriation) will be increased to £250. Cover excludes interaction with wild animals of any kind.

Material Fact: A fact likely to influence the acceptance or assessment of this insurance by Underwriters. If in doubt as to what constitutes a Material Fact, please contact Us.

Medical Condition: Any medical or psychological disease, sickness, condition, illness or injury that has affected You or any Close Relative, travelling companion or person with whom You intend to stay whilst on Your Trip.

Medical Health Declaration: Medical information that needs to be declared to Us before each Period of Insurance by any Insured Person who has suffered from a Pre-existing Medical Condition.

Medical Practitioner: A legally licensed member of the medical profession, recognised by the law of the country where treatment is provided and who, in rendering such treatment is practising within the scope of his/her licence and training, and who is not related to You or any traveling companion.

Money: Sterling and foreign currency and travellers cheques.

Pair or Set: A number of items of Personal Luggage considered as being similar or complementary to one another or used together.

Period of Insurance: The period shown on the Certificate.
Subject to:

Single Trip policies: Cancellation cover starts when You purchase this insurance or when You book Your Trip, whichever is the later. Cover for all other Sections applies for the duration of Your Trip, as stated on the Certificate, and for which You have paid the appropriate premium not exceeding 91 consecutive days.

Note : Travelling or intending to travel in excess of the Trip limits will invalidate any claims relating to that particular Trip. Legal advice and the Homecall assistance service continue to apply for up to a week after You return Home.

Permanent Total Disablement: Permanent Total Disablement which, having lasted for a period of at least 12 consecutive months from the date of occurrence will, in the opinion of Our Senior Medical Officer, entirely prevent You from engaging in, or giving any attention to, any and every business or occupation for the remainder of Your life.

Personal Luggage: Items usually carried or worn by travellers for their individual use during a Trip.

• Note 1: Items hired to You, and all items loaned or entrusted to You are excluded (other than skis and ski equipment).
• Note 2: This travel insurance is not intended to cover expensive items for which You should take out full ‘All Risks’ insurance.

Policy Excess: The first £35 (€40) per Insured Person, each and every incident, each and every section of cover.

Note 1: In the event of an injury occurring as a result of voluntary Manual Work, the Policy Excess under Section 2 (Medical Emergency & Repatriation) will be increased to £250

Pre-existing Medical Condition:

1. Any past or current Medical Condition that has given rise to symptoms or for which any form of treatment or prescribed medication, medical consultation, investigation or followup/ check-up has been required or received during the 2 years prior to the commencement of cover under this policy and/or prior to any Trip: and
2. any cardiovascular or circulatory condition (e. g. heart condition, hypertension, blood clots, raised cholesterol, stroke) that has occurred at any time prior to the commencement of cover under this policy and/or prior to any Trip.

Secure Luggage Area: Any of the following, as and where appropriate:

• The locked dashboard, boot or luggage compartment of a motor vehicle.
• The locked luggage compartment of a hatchback vehicle fitted with a lid closing off the luggage area, or of an estate car with a fitted and engaged tray or roller blind cover behind the rear seats.
• The fixed storage units of a motorised or towed caravan.
• A locked luggage box, locked to a roof rack which is itself locked to the vehicle roof.

Strike or Industrial Action: Any form of Industrial Action, whether organised by a trade union or not, which is carried on with the intention of preventing, restricting or otherwise interfering with the production of goods or the provision of services.

Travel Documents: Travel tickets, hotel and other redeemable holiday vouchers, Green Card, driving licences and passports.

Trip: A journey within the countries of the Geographical Limits, during the Period of Insurance:

• Single Trip policies: the maximum number of days for which You have paid the appropriate premium; not exceeding 91 consecutive days.
• Note 1: Travelling or intending to travel in excess of the Trip limits will invalidate any claims relating to that particular Trip.
• Note 2: Trips must commence and end in the UK Area and a return ticket must have been booked prior to departure.

UK Area: Great Britain, Northern Ireland, the Isle of Man and the Channel Islands.

Unattended: When You cannot see and are not close enough to Your property or vehicle to prevent unauthorized interference or theft of Your property or vehicle.

Valuables: Cameras, photographic, and video equipment, and associated equipment of any kind; computer hardware and software; games consoles (Playstation, Gameboy, Nintendo, etc) accessories and games; personal organisers; mobile telephones; televisions; portable audio equipment (DVD, CD, mini-disc, MP3 players, i-pods, etc) and all associated discs and accessories; spectacles; prescription sunglasses; telescopes; binoculars; jewellery; watches; furs; leather articles; perfumes; precious stones and articles made of or containing gold, silver or other precious metals.

We, Our or Us: Europ Assistance Holdings Ltd, Sussex House, Perrymount Road, Haywards Heath, West Sussex RH16 1DN.

Winter Sports: The activities listed under the Optional Winter Sports Cover Section of this policy.

You/Your: Each person named on the Certificate and for whom the appropriate premium has been paid, resident in the UK Area, and at the commencement of the Period of Insurance being not more than 79 years of age.

UPGRADES

This policy contains different levels of cover, some of which do not apply unless You have paid the appropriate additional premium. Any extra benefit You have purchased is shown on Your Certificate. Please read the wording and ensure the cover reflects Your requirements.

Upon the payment of an additional premium, You may upgrade Your travel insurance coverage by purchasing any of the following upgrades prior to commencement of Your Trip:

• Golf Cover
  Your policy can be extended to cover Golf Equipment and non refundable golfing fees. (Please refer to the Optional Golf Cover Section in this policy for full details. )
• Winter Sports Cover
  Your policy can be extended to cover Winter Sports. (Please refer to the Optional Winter Sports Cover Section in this policy for full details. )

SECTION 1 PERSONAL ASSISTANCE SERVICES

What is covered:

We will pay the administrative and delivery costs, up to a maximum of £250 (€350) per Trip, in providing the following services in respect of a Trip:

1. Information about Your destination
   We can provide information on:-
   • current visa and entry permit requirements for any country. However, if You hold a passport from a country other than Great Britain, Northern Ireland, the Isle of Man or the Channel Islands, We may need to refer You to the UK Embassy or Consulate of that country;
   • current requirements for inoculations and vaccinations for any country in the World and advice on current World Health Organisation warnings;
   • arranging relevant inoculations and vaccinations before the commencement of a Trip abroad. We will not pay the cost of these inoculations or vaccinations;
   • climate;
   • local languages;
   • time differences;
   • main bank opening hours, including whether or not a Bank Holiday falls within Your intended Trip;
   • motoring restrictions, regulations, Green Card and other insurance issues.
2. Transfer of Emergency Funds
   We will transfer emergency funds to You in case of urgent need, up to a maximum under this policy, per Trip, of £500 (€700).
   
   This service will apply when access to Your normal financial/banking arrangements is not available locally, and is intended to cover Your immediate emergency needs.
   
   You must authorise Us to debit Your credit or charge card with the amount of the transfer, or You must make alternative arrangements to deposit the funds in Our account in the UK.
3. Message Relay
   We will transmit two urgent messages following illness, accident or travel delay problems.
4. Drug Replacement
   We will assist You in replacing lost drugs or other essential medication, or lost or broken prescription glasses or contact lenses, which are unobtainable overseas. We can source and deliver to You compatible blood supplies.
   
   What is not covered: The cost of any items or of blood (unless insured under another Section of this policy).
5. Non-Emergency Medical Referral
   We will provide the names and addresses of local doctors, hospitals, clinics and dentists when consultation or minor treatment is required. If any other treatment is involved, You must contact Us as soon as possible, before You incur substantial charges.
   
   If Your child (aged under 18 years) who has been left in the country of departure becomes ill or suffers injury, We can provide medical advice and monitor the situation until Your return Home.
6. Tracing Lost Luggage
   If Your luggage is lost or misdirected in transit, and the Carrier has failed to resolve the problem, We will help with tracing and re-delivering the luggage. You will need to have Your luggage tag number available.
7. Replacement Travel Documents
   We will help You replace lost or stolen tickets and Travel Documents and refer You to suitable travel offices.
   
   What is not covered: The cost of any items insured under another Section of this policy.
8. Lost Credit Cards
   If Your credit or charge cards are lost or stolen while You are abroad, We can advise the appropriate card issuers.
9. Homecall Referral
   If Your Home within the UK Area suffers damage during Your Trip, then We can arrange for a repairer from Our list of Europ Assistance-approved tradesmen to contact You to effect emergency repairs to the domestic plumbing or drainage system, the domestic gas or electricity supply, the roofing, external locks, doors or windows, or the fixed heating system.
   
   You can call Us for help up to 7 days after You have returned Home from a Trip.
   
   You will be responsible for the payment of all charges associated with effecting the repair, including any call-out fee, and You should make arrangements to pay the repairer or Europ Assistance Holdings Limited at the time the work is carried out.
10. Bicycle Cover
    If You are unable to proceed with the Trip as planned due to theft of or accidental damage to the bicycle which forms Your planned means of transport, occurring during the Trip:
    
    • We will, when appropriate, pay for the cost of onward transportation by public transport, up to a maximum under this Policy of £200 (€275) per Insured Person.
    • In addition, when the original bicycle has been damaged and is unusable, or has been stolen and recovered after Your return Home,
    
    We will arrange and pay for repatriation of the bicycle to Your Home address in the UK Area.
    
    The maximum We will pay under this Policy to repatriate Your bicycle will be limited to its current market value in the UK Area. We will repatriate Your bicycle only if is apparent that repairs can be effected in the UK Area, and when You confirm to Us that these repairs will be put in hand.

SECTION 2 MEDICAL EMERGENCY & REPATRIATION

What is covered:
We will pay the following costs, up to £5,000,000 (€7,000,000), for each Insured Person who suffers sudden and unforeseen bodily injury or illness, or who dies during a Trip outside the UK Area:

• Reasonable medical expenses for the immediate needs of a medical emergency. Included are Medical Practitioner’s fees, hospital expenses, in-patient and out-patient medical treatment and charges for medical transportation to the nearest suitable hospital abroad, when deemed necessary by a recognised Medical Practitioner.
• Burial or cremation of a deceased Insured Person abroad up to £2,500 (€3,500); or alternatively transportation costs of returning Home an Insured Person’s body or ashes.
• Additional travelling costs to repatriate You Home when recommended by Our Medical Officer. We will pay for the cost of a medical escort if considered necessary.

We reserve the right to limit payment to what Our Medical Officer deems to be reasonable.

If Our Medical Officer advises a date when it is feasible and practical to repatriate You, but You choose instead to remain abroad, Our liability to pay any further costs under this Section after that date will be limited to what We would have paid if Your repatriation had taken place.

What is not covered:

1. costs in excess of £500 (€700) which have not been authorised by Us in advance (see Important Notes);
2. any claims arising directly or indirectly as a result of any Pre-existing Medical Conditions, unless You have declared these to Us and We have written to You accepting them for insurance;
3. any pre-planned or pre-known medical treatment or diagnostic procedure;
4. treatment which, in the opinion of Our Medical Officer, can reasonably be delayed until Your return to the country of departure;
5. any treatment which is not a surgical or medical procedure with the sole purpose of curing or relieving acute illness or injury;
6. treatment or services provided by a private clinic or hospital, health spa, convalescent home or any rehabilitation centre unless confirmed as medically necessary by Our Medical Officer;
7. treatment for cosmetic purposes unless Our Medical Officer agrees that such treatment is necessary as the result of an accident covered under this policy;
8. expenses incurred as a result of a tropical disease when You have not had the recommended inoculations and/or taken the recommended medication;
9. any costs incurred in the UK Area other than in connection with transportation of You or Your remains to Home from abroad;
10. any costs incurred in the Channel Islands which are recoverable under the local health service;
11. any costs where the transportation Home has not been arranged by Us;
12. any costs in respect of unused pre-paid travel costs when We have paid to repatriate You;
13. air-sea rescue costs;
14. the Policy Excess except where You have received inpatient treatment at a state hospital within the European Union, European Economic Area or Switzerland and You have used a Form E111 or European Health Insurance Card to effectively reduce the cost of Your treatment or medicines.
15. any costs incurred by You when You are engaging in Winter Sports unless You have paid the Winter Sports premium;
16. anything mentioned in the General Exclusions.

SECTION 3 EMERGENCY DENTAL TREATMENT

What is covered:
We will pay up to £250 (€350) for the costs of providing necessary temporary treatment for the immediate relief of pain or discomfort, and/or emergency repairs to dentures and orthodontic appliances carried out solely to alleviate distress in eating.

What is not covered:

1. the costs of any subsequent permanent or routine treatment;
2. any pre-planned or pre-known dental treatment or diagnostic procedure;
3. treatment which, in the opinion of Our Medical Officer, can reasonably be delayed until Your return to the country of departure;
4. any dental treatment or diagnostic procedure which is not solely for the immediate relief of pain or discomfort, or to alleviate distress in eating;
5. normal wear and tear;
6. any self-inflicted damage, including damage caused by tooth-brushing or any other oral hygiene activity;
7. any damage to dentures, other than whilst being worn by You;
8. dental treatment involving the provision of dentures or the use of precious metals;
9. any costs incurred in the UK Area;
10. any costs incurred in the Channel Islands which are recoverable under the local health service;
11. the Policy Excess except where You have received inpatient treatment at a state hospital within the European Union, European Economic Area or Switzerland and You have used a European Health Insurance Card to effectively reduce the cost of Your treatment or medicines;
12. any costs incurred by You when You are engaging in Winter Sports unless You have paid the Winter Sports premium;
13. anything mentioned in the General Exclusions.

SECTION 4 ADDITIONAL ACCOMMODATION & TRAVELLING COSTS

What is covered:
On condition that You contact Us first and We make all the travel arrangements, in the event of a valid claim under Section 2 (Medical Emergency & Repatriation), We will pay up to an overall limit of £750 (€1,000) for each Insured Person for the following:

• The additional travelling costs and accommodation costs incurred in returning Home each Insured Person accompanying You on the Trip.
• Additional travelling and accommodation costs arranged by Us for one person required, on medical advice, to fly out to You and accompany You Home.
• A return journey air ticket plus reasonable accommodation costs to enable a business colleague, where necessary, to replace You in Your location outside the UK Area following Your medical repatriation or death during a Trip.
• Additional travelling costs incurred in returning Home Your children under 18 years of age and insured under this policy if You are incapacitated and there is no other responsible adult to supervise them. A competent person will be provided to accompany the children Home.

What is not covered:

1. any air travel costs in excess of a return economy/tourist class ticket;
2. accommodation costs other than the cost of the room;
3. any air travel costs in excess of a one-way economy/tourist class ticket for each child to be repatriated;
4. anything mentioned in the General Exclusions.

SECTION 5 HOSPITAL DAILY BENEFIT

What is covered:
In the event of a valid claim under Section 2 (Medical Emergency & Repatriation) or Section 3 (Emergency Dental Treatment), when You are admitted to a recognised hospital abroad as an in-patient for more than 24 continuous hours, We will pay You a benefit of £25 (€35) per complete day of inpatient treatment up to a maximum under this policy of £250 (€350) per Insured Person.

What is not covered:

1. any claim arising in connection with a Trip solely within the UK Area;
2. anything mentioned in the General Exclusions.

SECTION 6 CANCELLATION, CURTAILMENT & TRIP INTERRUPTION

Cancellation & Curtailment

What is covered:
We will reimburse up to a maximum of £3,500 (€5,000) per Insured Person in total under this policy for financial loss You suffer, being non-refundable deposits and amounts You have paid (or have contracted to pay), for travel and accommodation You do not use because of Your inability to commence travel or complete the Trip.

Cancellation cover applies if You have booked a Trip to take place within the Period of Insurance, but You are forced to cancel Your travel plans because of one of the following changes in circumstances, which is beyond Your control, and of which You were unaware at the time You booked the Trip. Please see also the Travel Delay cover (Section 7).

Curtailment cover applies if You are forced to cut short a Trip You have commenced, and return to the UK Area, because of one of the following changes in circumstances which is beyond Your control, and of which You were unaware at the time You booked the Trip.

• Unforeseen illness, injury or death of You, a Close Relative or any person with whom You have arranged to travel or stay during the Trip.
• You abandoning Your Trip following a delay of more than 12 hours in the departure of Your outward flight, sea-crossing or international coach or train journey, forming part of the booked Trip’s itinerary, as a result of Strike or Industrial Action (of which You were unaware at the time You booked the Trip), adverse weather conditions, or the mechanical breakdown of, or accident of, the aircraft, sea vessel, coach or train.
• You or any person with whom You plan to travel being called up for Jury Service or being subpoenaed as a witness in a Court of Law (other than in a professional or advisory capacity).
• If You are made redundant and You qualify for redundancy payment under current legislation.
• Accidental damage, burglary, flooding or fire affecting Your Home, occurring during the Trip or within 48 hours before You depart, when a loss in excess of £1,500 (€2,100) is involved and Your presence is required by the Police in connection with such events.
• Your compulsory quarantine.

Trip interruption

What is covered:
On condition that You contact Us first, and that We make all the travel arrangements, We will pay necessary additional travelling costs incurred in returning You Home in the event You have a valid Curtailment claim. If the situation permits, and the period of Your original booked Trip has not expired, We will also pay necessary additional travel costs in transporting You back to the location abroad.

Travel by air will be limited to one economy/tourist class ticket for each Insured Person.

Trip interruption cover applies when You need to make an unscheduled return journey to the UK Area during a Trip because of:

• the death, imminent demise, or hospitalisation due to serious accident or illness, of a Close Relative;
• accidental damage, burglary, flooding or fire affecting Your Home during Your Trip, when a loss in excess of £1,500 (€2,100) is involved and when Your presence is required by the Police in connection with such events.

If You cannot recoup the cost of any pre-paid accommodation or holiday costs, You may be able to submit a pro-rata Curtailment claim under this Section for such costs.

The maximum amount We will pay under Section 6 in total for cancellation, Curtailment and Trip interruption claims is £3,500 (€5,000) per Insured Person.

Special conditions relating to claims
You must obtain a medical certificate from the Medical Practitioner in attendance and Our prior approval to confirm the necessity to return Home prior to the scheduled return date of the Trip in the event of unforeseen illness or injury.

In the event of Curtailment or interruption of the Trip, You must contact Us first and allow Us to make all the necessary travel arrangements.

If, at the time of requesting Our assistance in the event of a Curtailment or interruption claim, satisfactory medical evidence is not supplied in order to substantiate that the claim is due to an unforeseen illness, injury or death of You, a Close Relative, travelling companion or person with whom You have arranged to stay whilst on Your Trip, We will make all necessary arrangements at Your cost and arrange appropriate reimbursement as soon as the claim has been validated.

Your cancellation, Curtailment or Trip interruption must be necessary and unavoidable in order for You to claim. You must notify the Carrier or Travel Agent immediately You know the Trip is to be cancelled or curtailed, to minimise Your loss as far as possible. If You fail to notify the Carrier or Travel Agent immediately it is found necessary to cancel the Trip, Our liability shall be restricted to the cancellation charges that would have applied had failure not occurred. If You cancel the Trip due to unforeseen illness or injury You must provide a medical certificate from the treating General Practitioner stating that this prevented You from travelling.

If You cancel, curtail or interrupt Your Trip because Your presence is required by the Police in connection with accidental damage, burglary, flooding or fire affecting Your Home during Your Trip, You must produce to Us written documentation from the Police confirming that the loss or damage occurred during the Trip - otherwise no claim will be paid.

Curtailment claims will be calculated from the date of return to the UK Area.

What is not covered:

1. any disinclination to travel or continue travelling, unless Your change of travel plans is caused by one of the circumstances listed under ‘What is Covered’;
2. any claim arising directly or indirectly from a known Preexisting Medical Condition affecting You unless You have declared All Pre-existing Medical Conditions to Us and We have written to You accepting it for insurance;
3. any claim arising directly or indirectly from a Pre-existing Medical Condition, known to You prior to the commencement of the Period of Insurance, affecting any Close Relative, travelling companion or person with whom You intend to stay whilst on Your Trip if during the 90 days immediately prior to the commencement of the Period of Insurance they had:
   • required surgery, inpatient treatment or hospital consultations; or
   • required any form of treatment or prescribed medication; or
   • if they were on a waiting-list for, or had knowledge of the need for, surgery, inpatient treatment or investigation at any hospital or clinic at the commencement of the Period of Insurance; or
   • if a terminal diagnosis had been received prior to the commencement of the Period of Insurance
4. Cancellation because of pregnancy or childbirth unless the Cancellation is certified by a Medical Practitioner as necessary due to actual medical complications;
5. claims arising from actual or planned Strike or Industrial Action which was common knowledge at the time You booked the Trip;
6. any costs in respect of any unused pre-paid travel costs when We have paid to repatriate You;
7. withdrawal from service of the aircraft, sea vessel,coach or train on which You are booked to travel, by order or recommendation of the regulatory authority in any country. You should direct any claim in this case to the transport operator involved;
8. failure by the provider of any part of the booked Trip to supply the service or transport (whether as the result of error, insolvency, omission, default or otherwise). You should direct any claim in this case to the provider involved;
9. change of plans due to Your financial circumstances except if You are made redundant and qualify for redundancy payment under current legislation;
10. any claim arising as a result of attendance of an Insured Person, or any other person on whom the holiday plans depend, in a Court of Law. This exclusion will not apply if You are called up for Jury Service or are subpoenaed as a witness (other than in any professional or advisory capacity);
11. any cancellation or Curtailment caused by work commitment or amendment of Your holiday entitlement by Your employer;
12. any claim resulting from Your inability to travel due to an Insured Person’s failure to hold, obtain or produce a valid passport or any required visa in time for the booked Trip;
13. prohibitive regulations by the Government of any country, or delay or amendment of the booked Trip due to Government action;
14. the Policy Excess. If You are claiming only for loss of deposit then the excess is reduced to £10 (€14) per Insured Person per claim;
15. the cost of this policy;
16. anything mentioned in the General Exclusions.

SECTION 7 TRAVEL DELAY

What is covered:

If the departure of Your first outward or final inward international flight, sea crossing or coach or train journey forming part of a booked Trip and specified on Your ticket, is delayed as a direct result of Strike, Industrial Action, adverse weather conditions, or mechanical breakdown of aircraft, sea vessel, coach or train:

• for more than 8 hours beyond the intended departure time: We will pay the sum of £20 (€25) per Insured Person for the first 12 hours Your departure is delayed and a further £10 (€14) per Insured Person for each subsequent full 12 hours delay, up to a maximum of £60 (€75) in all per Insured Person per Trip; or
• for more than 12 hours beyond the intended departure time: You can choose instead to abandon Your Trip and submit a Cancellation claim under Section 6.

Special conditions relating to claims

If You suffer delays You must obtain written confirmation from the Carrier stating the period and reason for delay.

What is not covered:

1. claims arising from actual or planned Strike or Industrial Action which was common knowledge at the time You made travel arrangements for the Trip;
2. withdrawal from service of the aircraft, sea vessel, coach or train on which You are booked to travel, by order or recommendation of the regulatory authority in any country. You should direct any claim to the transport operator involved;
3. claims where You have not obtained written confirmation from the Carrier stating the period and reason for delay;
4. any claim arising in connection with a Trip solely within the UK Area;
5. anything mentioned in the General Exclusions.

SECTION 8 MISSED DEPARTURE ON THE OUTWARD JOURNEY

What is covered:
We will pay for reasonable additional travelling and accommodation expenses necessarily incurred to reach the booked destination by the most direct alternative route, up to a maximum under this policy of £350 (€500).

If You arrive at the airport, port or international coach or rail terminal too late to commence the outward journey abroad of Your booked Trip, as a result of:

• breakdown of or accident involving the car in which You are travelling; or
• cancellation or curtailment of scheduled public transport due to adverse weather conditions, Strike or Industrial Action or mechanical breakdown, derangement or accident; then

We will provide assistance by liaising with the Carrier and/or Tour Operator to advise of Your late arrival and, as necessary, We will make arrangements for overnight hotel accommodation and alternative international travel.

Special conditions relating to claims

You must take every reasonable step to commence and complete the journey to the departure point and check in for the flight, sea crossing, coach or train journey on time. You must obtain written confirmation from the Carrier stating the period and reason for delay.

What is not covered:

1. claims arising from actual or planned Strike or Industrial Action which was common knowledge at the time You booked the Trip;
2. withdrawal from service of the aircraft, sea vessel, coach or train on which You are booked to travel, by order or recommendation of the regulatory authority in any country. You should direct any claim to the transport operator involved;
3. additional costs where the scheduled public transport operator has offered reasonable alternative travel arrangements;
4. claims for additional mechanical wear and tear or depreciation of Your vehicle or for mileage charges other than additional fuel and oil;
5. claims under this Section in addition to claims under Section 7 (Travel Delay);
6. claims due to You allowing insufficient time to complete Your journey to the departure point;
7. anything mentioned in the General Exclusions.

SECTION 9 PERSONAL LUGGAGE

What is covered:
If, in the course of a Trip, Your Personal Luggage is damaged, stolen, destroyed or lost (and not recovered), We will cover You up to an overall maximum of £1,500 (€2,100) per Insured Person in total under this policy.

Within this amount the following sub-limits apply:

• The maximum We will pay for any one article, or for any one Pair or Set of articles, is £350 (€500). If You cannot provide an original receipt, valuation report or other satisfactory proof of ownership and value to support the claim, payment for any one article, or for any one Pair or Set of articles, will be limited to a maximum of £50 (€70). Evidence of replacement value is not sufficient.
• The maximum We will pay for all articles lost, damaged or stolen in any one incident is limited to £250 (€300) if You cannot provide satisfactory proof of ownership and value.
• The maximum We will pay under this policy for all Valuables owned by each Insured Person is limited to £350 (€500) (or £100 (€140)) if the Insured Person is aged under 16). The maximum We will pay for sunglasses or prescription glasses of any kind is limited to £150.
• The maximum We will pay for Personal Luggage or Valuables lost, damaged or stolen from a beach or poolside is limited to £100 (€140) per incident.
• The maximum We will pay for any cigarettes or alcohol lost, damaged or stolen is limited to £50 (€70) in total under this policy.

Special conditions relating to claims

We have the option to either pay You for the loss, or replace, reinstate or repair the items concerned.

Claims are paid based on the value of the goods at the time that they are lost and not on a ‘new for old basis’ or replacement cost basis; thus a deduction is made for wear, tear, and depreciation, bearing in mind the age of the items.

You must take suitable precautions to secure the safety of Your Personal Luggage, and must not leave it unsecured or Unattended or beyond Your reach at any time in a place to which the public have access.

If claiming for stolen or lost goods You should produce proof of purchase of the original goods by way of receipts, credit card or bank statements, as failure to do so may affect the assessment of the claim.

Within 24 hours of the incident, You must report loss of Personal Luggage to the local Police or to the Carrier, as appropriate, (damage to Personal Luggage in transit must be reported to the Carrier before You leave the baggage hall and a Property Irregularity Report (PIR) must be obtained), or to Your hotel or accommodation management, or to the Tour Operator representative.

You must produce to Us written documentation from one of the parties listed above confirming that the loss or theft occurred during the Trip - otherwise no claim will be paid.

What is not covered:

1. any item loaned, hired or entrusted to You;
2. any loss, theft of, or damage to Personal Luggage left in an Unattended motor vehicle if:
   • the items concerned have not been locked out of sight in a Secure Luggage Arzea;
   • no forcible and violent means have been used by an unauthorised person to affect entry into the vehicle; and
   • no evidence of such entry is available.
3. theft of Valuables from an Unattended motor vehicle; d) loss, theft of, or damage to, Valuables from checked-in luggage left in the custody of an airline and/or Valuables packed in luggage left in the baggage hold or storage area of another Carrier;
4. electrical or mechanical breakdown or derangement of the article insured;
5. wear and tear, damage caused by moth or vermin, denting or scratching, or any process of dyeing or cleaning;
6. confiscation or detention by Customs or other lawful officials and authorities;
7. contact or corneal lenses; dentures; bonds; securities; stamps or documents of any kind, including driving licences and passports; musical instruments; typewriters; glass; china; antiques; pictures; pedal cycles; hearing aids; coupons; vehicles or accessories; boats and/or ancillary equipment; samples or merchandise or business goods or specialised equipment relating to a trade or profession;
8. damage to fragile or brittle articles unless by fire or resulting from an accident to a sea going vessel, aircraft or vehicle;
9. liability in respect of a Pair or Set of articles where We shall be liable only for the value of that part of the Pair or Set which is lost or damaged;
10. sports’ gear whilst in use;
11. equipment used in connection with any Winter Sports unless You have paid the appropriate additional premium to extend Your policy;
12. loss or theft of or damage to Money (please see Section 11);
13. losses from a roof or boot luggage rack (other than losses of camping equipment, which remains covered under this Section);
14. the Policy Excess;
15. anything mentioned in the General Exclusions.

SECTION 10 LUGGAGE DELAY ON YOUR OUTWARD JOURNEY

What is covered:
If Your luggage is certified by the Carrier to have been lost or misplaced on the outward journey of a Trip for a period in excess of 24 hours then You can claim an amount of up to £100 (€140) per Insured Person for the purchase of essential items.

Such sums will be refundable to Us if the luggage or any part of it proves to be permanently lost and/or a claim is made under the Personal Luggage Section.

Special conditions relating to claims
You must provide receipts and a report from the Carrier confirming the length of the delay - otherwise no payment will be made.

What is not covered:

1. any claim arising in connection with a Trip solely within the UK Area;
2. anything mentioned in the General Exclusions.

SECTION 11 MONEY AND PASSPORT

What is covered:

• If during a Trip, the Money You are carrying on Your person or You have left in a safety deposit box is lost, stolen, damaged or destroyed, then subject to the following conditions and exclusions, We will indemnify You up to an overall maximum under this policy of £500 (€700) per Insured Person in total.
  
  The maximum We will pay for bank notes, currency notes and coins is £300 (€425).
  
  The maximum We will pay for bank notes, currency notes and coins belonging to an Insured Person aged under 16 is £50 (€70).
• If Your passport is lost or stolen outside the country of departure during a Trip, We will pay up to £250 (€350) per Insured Person in respect of reasonable additional travel and accommodation expenses You incur abroad to obtain a replacement passport. We do not cover the replacement cost of the passport itself.

Special conditions relating to claims

Within 24 hours of the incident You must report loss of Money or Your passport to the local Police or to the Carrier, as appropriate, or to Your hotel or accommodation management, or to the Tour Operator representative.

You must produce to Us written documentation from one of the parties listed above confirming that the loss or theft occurred during the Trip - otherwise no claim will be paid.

You must produce to Us evidence of the withdrawal of bank notes, currency notes or coins.

What is not covered:

1. shortages or loss due to error, omission, depreciation in value, or confiscation or detention by Customs or other lawful officials and authorities;
2. the Policy Excess;
3. anything mentioned in the General Exclusions.

SECTION 12 PERSONAL LIABILITY

What is covered:
If in the course of a Trip You become legally liable for accidental bodily injury to, or the death of, any person and/or accidental loss of or damage to their property, then:

On condition that there is no other insurance in force covering the loss, the material damage or Your liability, We will indemnify You (or in the event of Your death, Your legal personal representatives) against:

• all sums which You shall become legally liable to pay as compensation; and
• all law costs awarded to any claimant or incurred in the defence of any claim that is contested by Us or with Our consent.

We will pay up to a maximum, including costs, of £2,000,000 (€2,750,000) under this policy. This limit applies to any and all claimants in any one Period of Insurance affected by any and all occurrences with any one original cause.

What is not covered:

1. injury to, or the death of, any member of Your family or household, or any person in Your service;
2. property belonging to, or held in trust by You or Your family, household or servant;
3. loss of or damage to property which is the legal responsibility of You or Your family, household or servant. (This exclusion will not apply to temporary accommodation which You occupy and for which You assume contractual responsibility during Your Trip);
4. any liability which attaches by virtue of a contractual agreement, but which would not exist in law in the absence of such an agreement;
5. claims for injury, loss or damage arising directly or indirectly from:
   • ownership or use of: aircraft; horse-drawn, motorised, mechanically-propelled or towed vehicles; vessels (other than row boats, punts or canoes); animals (other than horses, domestic dogs or cats); firearms;
   • the pursuit or exercise of any trade, profession or gainful occupation, or the supply of goods and services by You;
   • the ownership or occupation of any land or building;
   • wilful or malicious acts.
6. liability or material damage for which indemnity is provided under any other insurance;
7. accidental injury or loss not caused through Your negligence;
8. any injury, illness, death, loss, expense or other liability attributable to the transmission of any communicable disease or virus, or to HIV (Human Immunodeficiency Virus) and/or any HIV related illness including AIDS and/or any mutant derivatives or variations thereof however caused;
9. an Insured Person engaging in any Winter Sports where this policy specifically states that Personal Liability cover is excluded (regardless of whether the Winter Sports premium has been paid);
10. any claim arising in connection with a Trip solely within the UK Area;
11. the Policy Excess;
12. anything mentioned in the General Exclusions.

SECTION 13 PERSONAL ACCIDENT

What is covered:
If You suffer Accidental Bodily Injury during the Trip, which within 12 months is the sole and direct cause of death or disablement, We will pay to You or Your legal personal representatives the following benefits:

COVER	BENEFIT
Death	£25,000 (€36,000)
Loss of one or more Limbs, or total and and irrecoverable Loss of Sight in one or both eyes	£25,000 (€36,000)
Permanent Total Disablement	£25,000 (€36,000)

What is not covered:

1. injury not caused solely by outward, violent and visible means;
2. Your disablement caused by mental or psychological trauma not involving Your bodily injury;
3. disease or any physical defect, infirmity or illness which existed prior to the commencement of the Trip;
4. any payment per Insured Person in excess of £25,000 (€36,000);
5. any payment in excess of £1,000 (€1,250) arising from death of Insured Persons under 16 years of age or over 65 years of age;
6. any payment in excess of £1,000 (€1,250) arising from the Permanent Total Disablement of Insured Persons over 65 years of age;
7. an Insured Person engaging in any Winter Sports where this policy specifically states that Personal Accident cover is excluded (regardless of whether the Winter Sports premium has been paid);
8. anything mentioned in the General Exclusions.

SECTION 14 LEGAL PROTECTION

What is covered:

We will provide telephone advice, guidance and assistance on any legal problem, which arises in connection with a Trip or in connection with Your Home. This service is available when You start Your Trip until 7 days after You return Home.

If You suffer death, illness or personal injury during the Trip, or if Your Home in the UK Area suffers damage during the Trip, then in the event that You or Your personal representatives decide to take out legal proceedings in pursuit of compensation, and We consider that You are likely to obtain a reasonable settlement:

We will advance on Your behalf:

• Up to £25,000 (€36,000) in total under this policy per Insured Person (and in total for all Insured Persons in connection with any one event giving rise to a claim) for legal costs and expenses directly incurred in the pursuit of these proceedings.
• Additional travel expenses in the event that a Court outside the UK Area requires You to attend in connection with an event giving rise to an action under this Section, up to a maximum per Insured Person of £250 (€350).
• When We have begun proceedings on Your behalf and You receive no compensation, or only limited compensation, We will indemnify You against claims for fees, costs and expenses arising out of the proceedings, to the extent that these fees, costs and expenses exceed the amount of any compensation You have received, up to £25,000 (€36,000) in total under this policy per Insured Person (and in total for all Insured Persons in connection with any one event giving rise to a claim). This benefit will be offset against the advance described above.

Special conditions relating to claims

We shall have complete control over the legal proceedings although You do not have to accept the lawyer nominated by Us.

Lawyers must be qualified to practice in the Courts of the country where the event giving rise to the claim occurred or where the proposed defendant under this Section is resident.

If You are unable to agree with Us on a suitable lawyer We will ask the ruling body for lawyers in that country to nominate another lawyer. In the meantime, We may appoint a lawyer to protect Your interests.

If an award of compensation is made and payment is received by You, or by a lawyer instructed on Your behalf, then all sums advanced or paid by Us shall be repaid out of the compensation received.

We will not begin legal proceedings in more than one country in respect of the same occurrence.

You must notify Us as soon as possible of any incident which may give rise to a claim, and at the latest, within 90 days.

What is not covered:

1. costs or expenses incurred without prior authorisation by Us;
2. any incident, which may give rise to a claim, not notified to Us within 90 days;
3. the pursuit of a claim against Us, Our agent or an Insurer underwriting any Section of this policy, or a Travel Agent, Tour Operator or Carrier;
4. actions between Insured Persons, or actions pursued in order to obtain satisfaction of a judgement or legally binding decision;
5. any advice or any claim arising in connection with a Trip solely within the UK Area;
6. anything mentioned in the General Exclusions.

OPTIONAL GOLF COVER

If You have paid the additional premium to include Golf Cover extension and the cover is shown on Your certificate, cover under Sections 15 to 17 will apply.

SECTION 15 – GOLF EQUIPMENT

What is covered:
We will pay up to £1,000 (€1,250) per Insured Person, for Accidental loss, theft of or damage to Golf Equipment which You own.

What is not covered:

1. the Policy Excess in respect of each and every claim;
2. more than £50 (€70) per single item, up to a maximum of £150 (€200) in total for any one claim if You are unable to provide the original receipt , proof of purchase or an insurance validation which was obtained prior to the loss;
3. Golf Equipment which is over three years old;
4. any claim for loss or theft of Golf Equipment if You have not notified the police within 24 hours of its discovery and obtained a written report which includes the crime reference number;
5. any claim, if the loss or theft occurs during a journey or whilst in the custody of an airline or other carrier or their handling agent of the incident and obtained an official report or a Property Irregularity Report (PIR);
6. claims arising from delay, detention, seizure or confiscation by Customs or other officials;
7. claims for loss, theft or damage to anything being shipped as freight or under a Bill of Lading;
8. damage to, loss or theft of Golf Equipment, which is being carried on a vehicle roof rack;
9. damage to, loss or theft of Golf Equipment, if it has been left:
   • unattended in a place to which the public have access; or
   • left in an unattended motor vehicle; or
   • in the custody of a person who does not have an official responsibility for the safekeeping of the property;
10. any claim for damage to Golf Equipment whilst in use;
11. anything mentioned in the General Exclusions.

SECTION 16 – GOLF EQUIPMENT HIRE

What is covered:
If Your own Golf Equipment is lost, stolen, damaged, misdirected or delayed in transit by more than 24 hours We will pay You £15 (€20) for the cost of hiring the necessary Golf Equipment for each 24 hour period You are without Your own golf equipment, up to £300 (€400) per Insured Person.

What is not covered:

1. any claim for loss or theft of Golf Equipment if You have not notified the police within 24 hours of its discovery and obtained a written report which includes the crime reference number;
2. any claim, if the loss or theft occurs during a journey or whilst in the custody of an airline or other carrier or their handling agent of the incident and obtained an official report or a Property Irregularity Report (PIR);
3. claims arising from delay, detention, seizure or confiscation by Customs or other officials;
4. claims for loss, theft or damage to anything being shipped as freight or under a Bill of Lading;
5. damage to, loss or theft of Golf Equipment, which is being carried on a vehicle roof rack;
6. damage to, loss or theft of Golf Equipment, if it has been left:
   • unattended in a place to which the public have access; or
   • left in an unattended motor vehicle; or
   • in the custody of a person who does not have an official responsibility for the safekeeping of the property.
7. anything mentioned in the General Exclusions.

SECTION 17 – NON REFUNDABLE GOLFING FEES

What is covered:
We will pay You £75 (€100) per day up to £300 (€400) per Insured Person for the proportionate value of any nonrefundable;

• Pre-paid green fees; or
• Golf Equipment hire fees; or
• Tuition hire fees

Which are not used due to:

1. You being involved in an Accident; or
2. Your sickness; or
3. adverse weather conditions which causes the closure of the golf course.

What is not covered:

1. any claims arising directly or indirectly as a result of any Pre-existing Medical Conditions, unless You have declared these to Us and We have written to You accepting them for insurance;
2. claims arising directly from a medical condition which is not substantiated by a report from the treating doctor confirming Your inability to play golf;
3. anything mentioned in the General Exclusions.

OPTIONAL WINTER SPORTS COVER

This policy specifically excludes participating in or practicing for certain winter sports and activities. Your policy can be extended to cover some of these sporting activities when You have paid the additional Winter Sports premium. Your policy can be extended before departure from the UK Area.

When are You covered for Winter Sports?

If You have purchased a Single Trip policy, You are covered when taking part in Winter Sports if You have paid the appropriate additional premium for the Period of Insurance.

This policy will cover You when You are engaging in the following sports and activities on an occasional, noncompetitive and non-professional basis during Your Trip when You have paid the additional Winter Sports premium:

Ice-skating (outdoor)	Snowboarding (off-piste but on recognised and authorised areas only)
Skiing (off-piste but on recognised and authorized areas only)	Snowboarding (on-piste)
Skiing (on-piste / glacier)	Tobogganing

Your policy can be extended to cover the following sports and activities for an additional premium, but no cover will apply in respect of any Personal Accident or Personal Liability claims:

Ice Sailing/ice windsurfing	Snow mobiling
Skidoo

You will not be covered for any claims arising directly or indirectly when engaging in or practising for the following sports and activities:

Bobsleigh	Ski Racing
Heli-skiing	Ski Stunting
Ice Hockey	Skiing off-piste outside recognised and authorised areas
Luge
Paraskiing	Snowboarding off-piste outside recognised and authorised areas
Skeleton
Ski Jumping

You are not covered when engaging in organized competitions or when skiing against local authoritative warning or advice.

If You are undertaking a pursuit or activity which is not listed in this policy or are in any doubt as to whether cover will apply, please call Our Travel Helpline on 0870 737 5650.

What is covered?
Benefits under the Sections of cover already described are extended to cover Winter Sports as follows. Please note that all terms, conditions and exclusions (except where these are amended under this upgrade) continue to apply for all Sections in respect of Winter Sports. You must read these extensions in conjunction with Sections 1-14 and refer back to them when appropriate for full cover details.

SECTION 18 - CANCELLATION ORCURTAILMENT

What is covered in addition to Section 6:

• Financial loss You suffer in connection with deposits You cannot recover, or for payments You have made (or have contracted to pay) for unused ski pass or ski school fees.
• If You are certified by a Medical Practitioner at the ski resort as being unable to ski as a direct result of injury or sudden and unforeseen illness occurring during the Trip, We will pay You a proportionate refund in respect of charges for unused ski-pack.

SECTION 19 - SKIS, SKI EQUIPMENT & SKI PASS

What is covered in addition to Section 9:

• We will pay up to £500 (€700) per Insured Person if skis and ski equipment belonging to or hired by You is/are damaged, stolen, destroyed or lost (and not recovered) in the course of a Trip.
• We will pay up to £250 (€350) per Insured Person if Your ski pass You are carrying on Your person or have left in a safety box is lost, stolen, damaged or destroyed in the course of a Trip.

Skis and ski equipment are covered against damage or loss whilst in use.

Skis are covered when locked to a roof rack, which is itself locked to the roof of a vehicle.

Special conditions relating to claims

You must take sufficient precautions to secure the safety of Your skis, ski equipment and ski pass and must not leave them Unattended at any time in a place to which the public has access.

SECTION 20 – LUGGAGE DELAY

What is covered:

If Your luggage is certified by the Carrier to have been misplaced on the outward journey of a Trip in excess of 24 hours, then You can claim up to £30 (€40) per day, with a maximum under this policy of £300 (€400) per Insured Person, for hire of replacement skis and ski equipment. You must provide Us with receipts and written confirmation from the Carrier confirming the delay.

What is not covered:

Anything mentioned in the General Exclusions.

SECTION 21 - PISTE CLOSURE

What is covered:

If during a Trip You are prevented from skiing at the prebooked resort for more than 24 consecutive hours, because insufficient snow causes a total closure of the lift system (other than baby drags and lifts used for transport within the resort by non-skiers), We will reimburse up to £20 (€25) per day to a maximum of £200 (€250) per Insured Person:

• for all reasonable travel costs and lift pass charges You have to pay to travel to and from a similar area to ski; OR
• as a cash benefit payable if no suitable alternative skiing is available.

What is not covered:

1. claims arising from closure of the resort lift system due to avalanches or dangerous high winds;
2. Trips in the Northern Hemisphere outside the period commencing 1st November and ending 31st March;
3. Trips in the Southern Hemisphere outside the period commencing 1st May and ending 30th September;
4. anything mentioned in the General Exclusions.

SECTION 22 - AVALANCHE OR LANDSLIDE

What is covered:
If, following avalanches or landslides, access to and from the ski resort is blocked or scheduled public transport services are cancelled or curtailed We will pay up to £30 (€40) per day to a maximum of £150 (€200) per Insured Person for reasonable extra accommodation and travel expenses.

OPTIONAL SPECIAL SPORTS & ACTIVITIES COVER

This policy specifically excludes participating in or practising for certain sports and activities. Your policy can be extended to cover some of these sporting activities when You have paid an appropriate additional premium. Your policy can only be extended before departure from the UK Area.

This policy will cover You when You are engaging in the following sports and activities on a non-competitive and nonprofessional basis during Your Trip:

Athletics	Orienteering
Badminton	Rambling
Baseball	Roller Blading (Line Skating/Skate boarding)
Basketball	Rounders
BMX cycling	Running, Sprint/Long Distance
Bowls	Safari (organised  no guns)
Cricket	Scuba Diving (max depth 30 metres - qualified)
Cross country running	Skate boarding
Curling	Snorkelling
Cycling	Squash
Fell running	Tennis
Golf	Trekking (under 2,000 metres altitude)
Heptathlon	Triathlon
Hiking (under 2,000 metres altitude)	Volleyball
Jogging	Water Polo
Netball	Windsurfing
Yachting (crewing) - inside territorial waters

The following sports and activities will also be covered but no cover will apply in respect of any Personal Accident or Personal Liability claims:

Archery	Gaelic Football (non-competitive)
Boxing Training (no contact)	Go Karting (recreational use)
Camel/Elephant Riding/Trekking	Hiking (over 2,000, but under 6,000 metres altitude)
Canoeing/Kayaking (inland/coastal)	Horse riding (no Polo, Hunting, Jumping)
Field Hockey	Parascending (over water)
Fishing (Fresh water and deep sea)	Roller Hockey/Street Hockey
Flying as a passenger (private/small aircraft)	Trekking (over 2,000, but under 6,000 metres altitude)
Football	White/Black Water Rafting (Grade 1 to 4)

You will not be covered for any claims arising directly or indirectly when engaging in or practising for the following sports and activities:

Abseiling	Mountain Biking
American Football	Mountain Boarding
Animal Conservation/Game Reserve work	Mountaineering
Boxing	Paintballing
Bungee Jump	Parachuting
Canyoning	Paragliding/Parapenting
Caving / Cave Diving	Parasailing
Cross channel swimming	Parascending (over land)
Dry skiing	Point-to-point
Fencing	Polo
Flying as a pilot	Potholing
Gliding	Professional Sports
Gymnastics	Quad Biking
Hang Gliding	Rock Climbing
Handball	Rock Scrambling
High Diving	Rugby
Horse Jumping	Sand Yachting
Horse Racing	Shark feeding/cage diving
Hot Air Ballooning	Steeplechasing
Hunting / Shooting	Surfing
Hunting-on-horseback	Sky Diving
Hurling	Team sports played in competitive contests
Jet Boating	War Games (non-armed forces)
Jet Skiing	Water Skiing
Kite surfing/Landboarding/Buggying	Weight-lifting
Lacrosse	White/Black Water Rafting (Grade 5 to 6)
Marathons	Wrestling
Martial Arts (Competition)	Yachting (crewing) - outside territorial waters
Microlighting	Yachting (racing)
Motor Racing (all types)	Zorbing/Hydrozorbing
Motorcycling (except where a full UK licence is held and all the standard safety gear is used. Excluding off-road, racing, competition, track days & time trials)

GENERAL CONDITIONS APPLYING TO ALL PERSONAL TRAVEL INSURANCE SECTIONS

1. Any person who has reached the age of 80 years prior to the commencement of the Period of Insurance.
2. Any person participating in Winter Sports who has reached the age of 65 years prior to the commencement of the Period of Insurance.
3. Claims arising from a Material Fact or facts, which have not been disclosed to Us and accepted by Us in writing prior to the commencement of the Period of Insurance.
4. Loss, damage or expense which at the time of happening is insured by, or would, but for the existence of this policy, be insured by any other existing certificate, policy or any motoring organisation’s service. If You have any other policy in force, which may cover the event for which You are claiming, You must tell Us. This exclusion shall not apply to Personal Accident cover under Section 13.
5. Costs which would have been payable if the event being the subject of a claim had not occurred (for example, the cost of meals which You would have paid for in any case).
6. Consequential losses of any nature other than as specifically provided within the terms and conditions of this policy.
7. Costs of telephone calls or faxes, meals, taxi fares (with the sole exception of the taxi costs incurred for the initial journey to a hospital abroad due to an Insured Person’s illness or injury), interpreters’ fees, inconvenience, distress, loss of earnings, loss of enjoyment of holiday, time-share maintenance fees, holiday property bonds or points and any additional travel or accommodation costs (unless preauthorised by Us or part of a valid claim under Section 2 (Medical Emergency & Repatriation), Section 4 (Additional Accommodation & Travelling Costs), Section 6 (Cancellation, Curtailment & Trip Interruption) or Section 11 (Money & Passport).
8. Any claim under Sections 2, 3, 4, 5 or 6 arising directly or indirectly from pregnancy within 8 weeks (or 16 weeks in the case of a known multiple pregnancy) of the estimated date of delivery
9. Any deliberately careless or deliberately negligent act or omission by You.
10. Any claim arising or resulting from Your own illegal or criminal act.
11. Needless self-exposure to peril except in an endeavour to save human life.
12. Any claim arising directly or indirectly from Your drug addiction or solvent abuse, excessive alcohol intake, or You being under the influence of alcohol or drug(s).
13. Any claim arising or resulting directly or indirectly from Your suicide, attempted suicide, or intentional self-injury.
14. Any claim under Sections 2, 3, 4, 5, 6 or 13 arising directly or indirectly from sexually transmitted diseases.
15. The Insured Person engaging in Manual Work in conjunction with any profession, business or trade during the Trip.
16. The Insured Person engaging in any Winter Sports unless the appropriate Winter Sports extension premium required has been paid.
17. The Insured Person engaging in or practising for the following sports and activities: Abseiling, American Football, Animal Conservation/Game Reserve work, Bobsleigh, Boxing, Bungee Jump, Canyoning, Caving / Cave Diving, Cross channel swimming, Dry skiing, Fencing, Flying as a pilot, Gliding, Gymnastics, Hang Gliding, Handball, Heliskiing, High Diving, Horse Jumping, Horse Racing, Hot Air Ballooning, Hunting / Shooting, Hunting-on-horseback, Hurling, Ice Hockey, Jet Boating, Jet Skiing, Kite surfing/Landboarding/Buggying, Lacrosse, Luge, Marathons, Martial Arts (Competition), Microlighting, Motor Racing (all types), Motorcycling (except where a full UK licence is held and all the standard safety gear is used. Excluding off-road, racing, competition, track days & time trials), Mountain Biking, Mountain Boarding, Mountaineering, Paintballing, Parachuting, Paragliding/Parapenting, Parasailing, Parascending (over land), Paraskiing, Point-to-point, Polo, Potholing, Professional Sports, Quad Biking, Rock Climbing, Rock Scrambling, Rugby, Sand Yachting, Shark feeding/cage diving, Skeleton, Steeplechasing, Surfing, Sky Diving, Ski Jumping, Ski Racing, Ski Stunting, Skiing off-piste outside recognised and authorised areas, Snowboarding off-piste outside recognised and authorised areas, Team sports played in competitive contests, War Games (non-armed forces), Water Skiing, Weight-lifting, White/Black Water Rafting (Grade 5 to 6), Wrestling, Yachting (crewing) - outside territorial waters, Yachting (racing), Zorbing/Hydrozorbing or any other activities not mentioned under this policy unless You have referred these to Us and We have written to You accepting them for insurance. If You are undertaking a pursuit or activity which is not listed in this policy or are in any doubt as to whether cover will apply, please call Our Travel Helpline on 0870 737 5650.
18. Participation in any organised competition involving any Winter Sports.
19. The Insured Person fighting except in self-defence.
20. Notwithstanding any provision to the contrary within this insurance, or any endorsement thereto, it is agreed that this insurance excludes any loss or expense of whatsoever nature directly or indirectly caused by, resulting from, or in connection with any of the following regardless of any other cause or event contributing concurrently or in any other sequence to the loss: War, hostilities or warlike operations (whether war be declared or not); invasion; act of an enemy foreign to the nationality of the Insured Person or the country in, or over, which the act occurs; civil war; riot; rebellion; insurrection; revolution; overthrow of the legally constituted government; civil commotion assuming the proportions of, or amounting to, an uprising; military or usurped power; explosions of war weapons; release of weapons of mass destruction that do not involve an explosive sequence; murder or assault subsequently proved beyond reasonable doubt to have been the act of agents of a state foreign to the nationality of the Insured Person whether war be declared with that state or not; terrorist activity. For the purpose of this exclusion terrorist activity means an act, or acts, of any person, or group(s) of persons, committed for political, religious, ideological or similar purposes with the intention to influence any government and/or to put the public, or any section of the public, in fear. Terrorist activity can include, but not be limited to, the use of force or violence and/or the threat thereof. Furthermore, the perpetrators of terrorist activity can either be acting alone, or on behalf of, or in connection with any organisation(s) or government(s). Also excluded hereon is any loss or expense of whatsoever nature directly or indirectly caused by, resulting from or in connection with any action taken in controlling, preventing, or suppressing any, or all, of the above incidents. In the event any portion of this exclusion is found to be invalid or unenforceable, the remainder shall remain in full force and effect. This exclusion does not apply to claims under Section 2 (Medical Emergency & Repatriation) and Section 14 (Personal Accident).
21. The Insured Person travelling to a country or specific area or event to which the Foreign and Commonwealth Office has advised persons not to travel.
22. Loss or destruction or damage or any expense whatsoever resulting from: ionising radiation or contamination by radioactivity from any nuclear waste from the combustion of nuclear fuel, or the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof.
23. Delay, loss, damage, injury or consequential loss, directly or indirectly caused by the actual or potential inability of any computer, data processing equipment or media, microchip, integrated circuit or similar device, or any computer software or stored programme to correctly recognise any date as its true calendar date or to continue to function correctly in respect of or beyond that date - except under Section 2 (Medical Emergency & Repatriation), and Section 13 (Personal Accident).
24. Delay, loss, damage, injury or consequential loss, directly or indirectly caused by the actual or potential inability of any computer, data processing equipment or media, microchip, integrated circuit or similar device, or any computer software or stored programme to correctly operate as a result of a computer virus - except under Section 2 (Medical Emergency & Repatriation), and Section 14 (Personal Accident). Computer viruses include any program or software, which prevents any operating system, computer program or software working properly or at all.
25. Any claim when You have not paid the appropriate premium for the number of days comprising Your planned Trip, regardless of when the event resulting in the claim occurred.
26. Consequential loss of any kind arising from the provision of, or any delay in providing, the services to which this policy relates, unless negligence on Our part can be demonstrated.
27. Any loss or damage directly or indirectly caused by the provision of, or any delay in providing, the medical (or medical related) services to which the cover under this policy relates, whether provided by us or by anybody else (whether or not recommended by us and/or acting on our behalf) unless negligence on Our part can be demonstrated.

TRAVEL CHECKLIST

Before You travel, You should ask yourself the following:

• Do You know of any Pre-existing Medical Condition that You need to tell Us about?
• If You have answered ‘Yes’ to the above question, You should telephone the Medical Screening Helpline.
• Do You intend to engage in any Winter Sports whilst on Your Trip?

If You have answered ‘Yes’ to any of these questions, or want to check anything before You travel, You should contact Our Travel Helpline on 0870 737 5650.

YOUR CONTINENTAL MOTORING ASSISTANCE POLICY

Europ Assistance Holdings Limited will provide the services and benefits described in this Policy:

• during the Period of Insurance
• within the Geographical Limits
• following payment of the appropriate premium for the level of cover selected
• to persons who habitually reside in the UK Area (i. e. have their main home in the UK Area and have not spent more than 6 months abroad in the year prior to purchasing the policy)
• on the basis of the details You have supplied and subject to the following terms, conditions and exclusions, together with any applicable endorsements, all of which We recommend You read carefully, to ensure this policy meets Your individual requirements.

All benefits under this Continental Motoring Assistance policy are underwritten by Europ Assistance Insurance Limited, Sussex House, Perrymount Road, Haywards Heath, West Sussex UK RH16 1DN.

This policy is effected in England and is subject to the Laws of England and Wales.

Europ Assistance Holdings Ltd is authorised and regulated by the Financial Services Authority.

SUMMARY OF COVER

Cover	Limits of Cover
Cover prior to Departure	£750 (€1000)
Roadside Assistance	£250 (€350)
Replacement parts	Cost of location and transport
Break-in Emergency Repairs	£175 (€225)
Vehicle Out of Use	£1,500 (€2,100)
Camping Trips	Hire Costs/B&B total £500 (€750)
Missed Motorail Connection	Storage Costs Second class rail ticket Hire car £450 (€650)
Alternative Driver	Repatriation or qualified alternative driver
Repatriation	Up to current market value of vehicle in UK
Caravan Denial of Access	Emergency accommodation £400 (€500)
Motoring Legal Protection	£1,000 Defence costs £25,000 (€36,000) Persuing claims
Customs Regulations (following vehicle write-off)	Supervision of disposal costs or Duty due to paid

IMPORTANT NOTES

We would like to draw Your attention to important features of Your Continental Motoring Assistance policy including:

• Policy Limits: Most Sections of Your policy have limits on the amount the Insurer will pay under that Section. Some Sections also include other specific limits, for example: Per Insured Person or Insured Party in total. You are advised to check Your policy.
• Reasonable Care: You need to take all reasonable care to protect yourself and Your Insured Vehicle, as You would if You were not insured.
• Complaints:Your insurance policy has a complaints procedure which tells You what steps You can take if You wish to make a complaint.
• Complaints: Your insurance policy has a complaints procedure which tells You what steps You can take if You wish to make a complaint.
• Jurisdiction: