Tracey Heppinstall

PDF GeoPC Travel PW Apr 20 reg of Jul 20 (F)
PRIVATE CLIENTS

Travel Insurance

Contents

Definitions Summary of cover 360 Assistance service Stranded passenger service Contact details Important information Who is covered What is covered Limits of cover and excesses When cover starts and ends Working abroad Cancellation rights Renewal of your insurance Disclosing relevant facts Medical conditions Health declaration Change in health
Section One Cancellation
Section Two Curtailment
Section Three Emergency Medical Expenses
Section Four Hospital Benefit
Section Five Personal Accident
Section Six Baggage and Personal Belongings
Section Seven Money and Documents
Section Eight Loss of Passport, Driving Licence And Visa Expenses

2

Section Nine

6

Travel Disruption

22

7

Section Ten

7

Missed Departure

24

8

Section Eleven

Uninhabitable Accommodation

25

8

Section Twelve

8

Personal Liability

26

8 Section Thirteen

9

Legal Expenses

27

9

Section Fourteen

9

Hijack

28

9

Section Fifteen

9

Kidnap, Ransom and Extortion Expenses

29

9

Section Sixteen

9

Business Travel/Work Abroad

30

10

Section Seventeen

Sports and Activities

31

10

Section Eighteen

Winter Sports Extension

39

12

Section Nineteen

European Collision Damage Waiver

41

13

Section Twenty

Financial Failure Protection

42

14

Section Twenty-One

16

Political Unrest and Natural Catastrophe Expenses

43

Section Twenty- Two

17

Golf Cover

44

General Conditions

45

18

General Exclusions

46

Comments and Complaints Procedure

48

20

Claims Procedures

49

Data Protection

51

Governing Law

51

21

Details About Our Regulator

51

Financial Services Compensation Scheme

51

Page 1

Definitions

Whenever the following words appear in bold in this policy they will always have these meanings:
Appointed adviser
The solicitor or appropriately qualified person, firm or company, including us, who is chosen to act for you in your claim for compensation.
Close Business Associate
Any person whose absence from business for one or more complete days at the same time as your absence prevents the effective continuation of that business.
Country of Residence
The United Kingdom or the country where an Insured Person usually resides.
Couple
The lead insured, spouse (or co-habiting partner) named on the schedule.
Consultation Costs
Reasonable fees and expenses incurred as a result of the actions of our chosen security provider whilst acting in response to a Kidnap, Extortion or Ransom event including but not limited to travel and accommodation costs, Interpretation, communication and informant costs.
Curtail/Curtailment
Return early to home before the scheduled return date.
Europe
Aland Islands, Albania, Andorra, Austria, Belarus, Belgium, Bosnia and Herzegovina, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Georgia, Germany, Gibraltar, Greece, Guernsey, Holy See (Vatican City State), Hungary, Iceland, Ireland, Israel, Italy, Jersey, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Malta, Moldova, Monaco, Montenegro, Morocco, Netherlands, Norway, Poland, Portugal, Romania, San Marino, Serbia, Slovakia, Slovenia, Spain, Svalbard and Jan Mayen, Sweden, Switzerland, Turkey, Tunisia, and Ukraine.
Evacuation Expenses
The reasonable costs and expenses incurred in the emergency transportation of the Insured Person from the country in which the Natural

Catastrophe or Political Unrest has occurred to the nearest place of safety or to the Insured Person's Country of Residence.
Expert Witness
A person who testifies in a court of law because they have specialist knowledge in a particular field or area of expertise, entitling that person to testify about their opinion on the meaning of facts.
Extortion
The unlawful obtaining of money, property or services from the Insured Person through threat of or use of force.
Extortion and Ransom Monies
Cash, financial instruments, bullion, goods property or services.
Family
You and your spouse (or co-habiting partner) and your financially dependant children, aged under 23 years in full time education, at the inception date of your policy all normally resident with you and named on the schedule.
Golf Equipment
Golf clubs, golf bags, non-motorised trolleys and golf shoes.
Hazardous Activities
Participating in any sport or activity which could pose an increased risk or danger to you, and may require you to take additional precautions to avoid injury or claim (a list of included sports activities covered by this insurance are shown in Section 16).
Hijack
The unlawful seizure or wrongful exercise of control of an aircraft, ship or vehicle in which you are travelling.
Home Your residential address in the United Kingdom.
Immediate Relative Mother, father, sister, brother, wife, husband, daughter, son, grandparent, grandchild, parent-inlaw, son-in-law, daughter-in-law, sister-in-law, brother-in-law, step-parent, step-child, step-brother or step-sister resident in the United Kingdom.

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Insured Vehicle
The vehicle owned by a licensed company or agency which you have agreed to hire from them according to the terms of your rental agreement. The vehicle must:
 be no more than 10 years old;
 have no more than 10 seats;
 not be driven off the Public Highway;
 not be a motor home, campervan, commercial vehicle, minibus with 10 seats or more, motorcycle or moped;
 have a retail purchase price of less than £70,000.
Insurer
For Sections 1-19 & 21-22. AWP P&C SA
For section 20
International Passenger Protection Limited underwritten by certain underwriters at Lloyd's.
Kidnap
Means to seize and detain against their will an Insured Person.
Legal action
Work carried out to support a claim that we have agreed to. This includes settlement negotiations, hearings in a civil court, arbitration and any appeals resulting from such hearings other than an application by you:
 to the European Court of Justice, European Court of Human Rights or similar International body; or
 to enforce a judgement or legally binding decision.
Legal costs
Fees, costs and expenses (including Value Added Tax) which we agree to pay for you in connection with legal action. Also, any costs which you are ordered to pay by a court or arbitrator (other than damages, fines and penalties) or any other costs we agree to pay.
Loss of limb
Physical, permanent and total loss of use at or above the wrist or ankle.
Loss of sight
The complete, irrecoverable and irremediable loss of all sight in one or both eyes.

Manual Work
General work not involving the use of mechanical or industrial machinery (other than handheld power tools), at a height not exceeding 2 metres. We do not cover working offshore, ski, snowboard or diving instructors or guides, trekking guides where ropes or other specialist climbing equipment is required, work with dangerous animals including big cats, crocodiles, alligators, sharks, hippopotamuses, snakes, elephants or bears, or work involving hazardous activities.
Medical screening endorsement
An endorsement issued by the appointed medical screening team who are authorised to act on behalf of us.
Medical Practitioner
A registered practising member of the medical profession who is not travelling with you, who is not related to you or to any person with whom you are travelling or intending to stay with.
Money
Cash, travel tickets and passports held by you for social domestic and/or pleasure purposes.
Natural Catastrophe
Hurricane, tornado, tsunami, earthquake, volcanic eruption, storm, flood, landslide, wildfire or high water.
Non manual work
Any professional, clerical or administrative work or working as a classroom teacher, classroom assistant, or, retail, bar and hospitality work involving light duties only.
Permanent total disablement
Disablement which lasts without interruption for a period of 12 months from the date of the accident which as a result prevents you from engaging in or giving attention to any and every occupation for the remainder of your life.
Personal accident
Accidental bodily injury caused solely and directly by outward violent and visible means.
Personal baggage
Your suitcases (or similar luggage carriers) and their contents usually taken on a trip, together with articles worn or carried by you for your individual use during your trip. (Not including any specialised items, medical or otherwise, unless specified on your schedule).

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Political Unrest
A disturbance or turmoil, political or military or otherwise that poses an immediate threat to the safety of an Insured Person.
Public Transport
Train, coach, bus, aircraft and sea vessel which runs to a regular schedule with fare paying passengers.
Ransom
The demand of a service or payment of a sum of money.
Redundancy
Any person being declared redundant, who is under 65 years and under the normal retiring age for someone holding that person's position, and who has been employed for 2 continuous years with the same employer at the time of being made redundant.
Rental period
The dates you have arranged to hire the insured vehicle as confirmed on your rental agreement.
-- You will only be covered if you are 21 years or over at the start date of your policy.
-- rentals within the UK must be for at least 2 days and be as part of a trip where there is 2 or more nights pre-booked accommodation.
-- a rental which is booked to last longer than the maximum trip duration shown on your insurance schedule is not covered.
Scuba Diving
Conventional scuba diving only. We do not cover solo diving, cave diving, any dive which takes you below your current qualification limit, any dive for gain or reward, or any dive below 30 metres under any circumstances (50 metres if additional premium is paid). You are limited to your current qualification limit, unless accompanied by a qualified instructor, taking part in a recognised course requirement of your chosen Diving association. You must hold a current P.A.D.I. (Professional Association of Diving Instructors), B.S.A.C. (British Sub Aqua Club) SAA (Sub Aqua Association), C.M.A.S. (Confederation Mondiale Des Activities Subaquatiques), or equivalent internationally recognised qualification and follow their relevant Association, Club or Confederation rules and guidelines at all times, or you must only dive under the constant supervision of a properly licensed Diving Instructor and follow their rules and instructions at all times.

Single Parent Family
You and your financially dependent children under 23 years old and in full time education, at the inception date of your policy, all normally resident with you and named in the schedule.
The Caribbean
Antigua and Barbuda, Anguilla, Aruba, The Bahamas, Barbados, British Virgin Islands, Cayman Islands, Cuba, Dominica, Dominican Republic, Grenada, Guadeloupe, Haiti, Jamaica, Martinique, Montserrat, Navassa Island, Netherland Antilles, Puerto Rico, Saint Kitts and Nevis, Saint Lucia, Saint Vincent and the Grenadines, Trinidad and Tobago, Turks and Caicos Islands, Virgin Islands.
Unattended
When you are not in full view of and not in a position to prevent unauthorised interference with your property.
United Kingdom/UK
England, Scotland, Wales, Northern Ireland, Channel Islands and Isle of Man.
Valuables
Watches, (including devices such as Fitbits) furs, jewellery, photographic equipment, binoculars, telescopes, spectacles, sunglasses, computers and/or accessories (including laptops, games & gaming consoles), PDA's and tablet devices (including iPads and eBooks) video cameras, audio visual equipment, televisions, mobile phones and satellite navigation devices.
We/us/our
For Sections 1-19 & 21-22.
Millstream Underwriting Limited on behalf of AWP P&C S.A. AWP Assistance UK Limited is the administrator in the United Kingdom.
For section 20
International Passenger Protection Limited underwritten by certain underwriters at Lloyd's.
Winter Sports Equipment
Skis, bindings, ski boots, ski poles, snowboards and specialised clothing.
Work
Any work, including volunteer work, work placements, incidental work and work experience, paid or unpaid.

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Worldwide (excluding USA, Canada & The Caribbean) Worldwide excluding United States of America, Canada and The Caribbean. Worldwide (including USA, Canada & The Caribbean). Worldwide. You /your Each insured person as shown on your schedule, including your family and domestic staff who are travelling with you or a member of your family under this policy.
Page 5

SECTION 1 SECTION 2 SECTION 3
SECTION 4
SECTION 5
SECTION 6
SECTION 7
SECTION 8 SECTION 9
SECTION10 SECTION 11 SECTION 12 SECTION 13 SECTION 14 SECTION 15 SECTION 16
SECTION 17

Summary of cover

Product description

Annual multi trip

Max Trip Duration /Max Age

60 days up to 75 years

Dependent Children Age Limit

Dependent children under 23 years of age and in full time education

Cancellation Curtailment

£10,000 £10,000

Emergency Medical Expenses

£10,000,000

Emergency Dental Treatment

£1,000

Funeral Expenses Abroad

£2,500

Search and Rescue

Up to £50,000

UK Expenses

£1,000

Hospital Benefit

£100/24 hrs £1,000 max

Mugging Hospital Benefit

£100/24 hrs £1,000 max

Coma Hospital Benefit

£100/24 hrs £1,000 max

Personal Accident and Permanent

Total Disablement

£50,000 (£20,000 if aged over 70)

Death Benefit

£50,000

Baggage and Personal Belongings

Included

Overall Limit

£3,000

Single Item Limit

£500

Total Valuables Limit

£1,000

Delayed Baggage (after 12 hrs.)

£1,000 max

Money and Documents

Included

Overall Limit

£2,500

Cash Limit
Loss of Passport, Driving Licence and Visa Expenses

£1,500 £500

Travel Disruption Travel Delay Additional Travel and Accommodation Trip Abandonment (after 24 hrs) Cattery and Kennel Fees Missed Departure/Missed Connection

Included £50/24hrs £200 max £2,000 £10,000 £50/24hrs £200 max £2,000

Uninhabitable Accommodation

£2,000

Personal Liability

£2,000,000

Legal Expenses

£25,000

Hijack

£1,000

Kidnap, Ransom Extortion Expenses

£100/24 hrs £50,000

Business Travel /Work Abroad

Included

Non-manual Work

Included

Manual Work

Included

Conference Fees

£1,500

Samples and Documents

£500

Sports and Activities Levels 1-2

Included

Sports and Activities Levels 3-4

Optional

Page 6

SECTION 18 SECTION 19

Product description

SummSuamrymoaf rcyovoefrccoovnetrinued Annual multi trip

Winter Sports Extension

Included

Winter Sports Equipment Replacement Equipment Hire Winter Sports Pack Piste Closure European Collision Damage Waiver Excess Accidental Damage Excess Reimbursement

£1,000 £500 £500 £500 Included £1,500

SECTION 20 SECTION 21
SECTION 22

Rental Car Key Cover
Financial Failure Protection Political Unrest and Natural Catastrophe Expenses Golf Cover Overall Limit Single Item Limit Equipment Hire Unused Green Fees Policy Excess per incident 360 Assistance Service Stranded Passenger Service

£750 £5,000
Up to £10,000 Included £5,000 £1,000 £100 per day £500 max £200 per day £1,000 max £250 each and every claim Included Included

Thank you for choosing your Travel Insurance policy through Geo Private Clients. Geo Private Clients is distributing this policy on behalf of Millstream Underwriting Limited.
Geo Private Clients is a trading name of Geo Underwriting Services Limited, Registered in England No. 4070987. Registered Address: 2 Minster Court, Mincing Lane, London, EC3R 7PD. Authorised and regulated by the Financial Conduct Authority. FCA Register Number 308400
The policy offers a 360 Assistance service that provides online access to the latest medical, political and security situation in most countries around the world including vaccination requirements, contact details for consulates and medical facilities and other useful information. You can stay informed with email alerts on the countries of your choice. Severe weather, industrial action and other events that may disrupt your travel arrangements are advised to you as they happen.
To register please visit https://geo.sdxmessaging. com/vault/geo360sp/benefits.html and use the PIN 3125.
Stranded passenger
A delay to your flight can be a frustrating experience.

That's why we have included the Stranded Passenger service which gives you access to a global network of more than 800 airport lounges around the world. Once you have registered your flight and passenger details, we monitor the international departure boards. If your flight is delayed for more than 2 hours we'll send an access code to your phone allowing you and your registered travellers access to an eligible executive lounge. This service does not form part of the insurance contract and is arranged separately by Millstream Underwriting Limited. Use of the service doesn't impact any claim that you may subsequently submit under the insurance policy for disrupted or cancelled travel.
It only takes a couple of minutes and all you need to do is visit https://geo.sdxmessaging.com/ vault/geo360sp/benefits.html to register your flight and passenger details at least 24 hours before you fly. You'll need to use the PIN code 3125 to access the page.
We recommend you register your flight when you book your trip. This service is NOT available should you fail to register more than 24 hours before your flight is due to take off.
Please note that this service relies upon airlines publishing their schedules to a flight tracking system. The majority of flights are registered but some private and some charter flights will not be. Where a flight is not registered, this service will not be available.

Page 7

Important contact details

The Contract of Insurance

Claims & Assistance Service
Telephone: +44 (0)330 660 0785 Email: claims@mstream.co.uk Email: assistance@mstream.co.uk For a claim form, please visit www.csal.co.uk
Customer Services Please contact your broker.
Medical Screening Service

This policy is a contract between you and us. The following elements form the contract of insurance: · The schedule of insurance · This wording. · Any endorsements applicable to your policy as
set out in your policy schedule. · Any medical screening endorsement(s).
Who is covered

Telephone: +44 (0)330 660 0563 Email: healthcheck@mstream.co.uk
Other useful contacts
Foreign & Commonwealth Office Telephone: +44 (0)20 7008 1500 .gov.uk/fco
European Health Insurance Card (EHIC) Telephone: +44 (0)300 330 1350 ehic.org.uk

The schedule shows the persons who are insured under the policy and any special terms and conditions that may apply.
Cover is only available to persons resident in the United Kingdom and is only valid for round trips starting and returning to the United Kingdom. You must have a permanent residential address in the United Kingdom and unrestricted right of entry to the United Kingdom.
You cannot purchase or renew a policy once you have reached the age of 75 years.

Department of Health ­ Advice for Travellers +44 (0)20 7210 4850 dh.gov.uk/travellers
Medicare Australia +61-132-011 medicareaustralia.gov.au

What is covered
You are covered for: 1. Holidays, business and leisure trips. 2. Trips with a maximum planned duration of 60
days as shown on your schedule.

Important information
Thank you for taking out travel Insurance with us.
This policy wording, your schedule and any endorsements form a contract of insurance between you (the insured named on the schedule) and us, Millstream Underwriting Ltd on behalf of AWP P&C SA administered in the United Kingdom by AWP Assistance UK Limited and explains the definitions, conditions, exclusions and limits of cover we provide. This contract is only valid when you have a valid schedule and have paid the appropriate premium. Cover under Section 20 is provided by International Passenger Protection Limited, and underwritten by certain underwriters at Lloyd's.
It is very important that you carefully read the terms, conditions and exclusions of this insurance to ensure that you are properly covered for your planned trip.
Please check the details on your schedule and contact your insurance broker if any details are incorrect or you have any questions.

NOTE: trips with a scheduled duration of more than the specified trip duration will NOT be covered under this policy and you should arrange separate insurance for the whole duration of these trips.
3. Trips within the Geographic Region as shown on your schedule. You must observe travel advice provided by the Foreign & Commonwealth Office (FCO). No cover is provided under any section of this policy in respect of travel to a destination which the FCO has advised against all or all but essential travel. Travel Advice can be obtained from the Foreign & Commonwealth Office; Telephone: +44 (0)20 7008 1500 gov.uk/fco.
4. Trips within the United Kingdom if it is prebooked in paid accommodation and for 2 nights or more. (This does not include medical expenses cover).
5. Participating in sports and activities under Level 1-2 as detailed in Section 16.
6. Participating in sports and activities under Level 3-4 as detailed in Section 16 if shown on the Summary of Cover or on your schedule. You are not covered for hazardous activities, other than as specified in Section 16, unless we agree to include and you have paid the appropriate premium required.

7. Skiing and snowboarding if you have paid the appropriate premium under Level 3-4 under Section 16 and it is shown on your insurance schedule.

Page 8

Limits of cover and excesses
The limits of cover under each section are shown on the Summary of Cover and apply to each Insured Person. This policy has an excess as shown on the Summary of Cover which will be deducted in the event of a claim. All claims arising from a single incident will be subject to the application of one excess, no matter how many sections are claimed under.
When cover starts and ends
Cancellation cover starts from the time of booking a trip providing it is within the period of cover as shown on your schedule and ends when you leave your home to commence the trip.
All other sections of cover start from when you leave your home to commence the trip. Cover applies for the duration of the booked trip (or earlier return to the United Kingdom) including the period of travel directly to the departure point and back home directly afterwards, not exceeding 24 hours in each case.
If your return is unavoidably delayed for an insured reason, cover will be extended free of charge for up to 30 days maximum.
Cancellation rights
You may cancel this policy within 14 days of receipt of the policy documents (the cancellation period) by writing to your insurance broker of this policy during the cancellation period. Any premium already paid will be refunded to you providing you have not travelled, no claim has been made or is intended to be made and no incident likely to give rise to a claim has occurred.
Cancellation outside the statutory period
You may cancel this policy at any time after the cancellation period by contacting your insurance broker of this policy. If you cancel after the cancellation period no premium refund will be made.
We reserve the right to cancel this policy immediately in the event of non payment of the premium.
Working abroad
You are covered for non-manual work and manual work during your trip. You are not covered under the Personal Liability section when you are undertaking any form of work.

Renewal of your insurance
When your policy is due for renewal we will send your broker a renewal notice prior to the expiry of the Period of Cover as shown on your schedule. The terms of your cover and the premium may be varied by us at the renewal date.
Your broker will contact you in good time prior to before the period of insurance ends with full details of your next years premium and policy terms and conditions.
Disclosing relevant facts
There is certain information that we need to know as it may affect the terms of the insurance cover we offer you. You must, to the best of your knowledge, have given accurate answers to the questions we have asked when buying this policy. If you have not answered the questions truthfully it could result in your policy being invalid and that could leave you with no right to make a claim. If you think that any of your answers might be incorrect, or if you need any help, please contact your insurance broker as soon as possible and we will be able to confirm if we are still able to offer you cover under this policy.
Medical Conditions
Please note this insurance contains restrictions regarding other pre-existing medical conditions not listed under Automatically Covered Pre-Existing Medical Conditions below. This is in respect of the people travelling as well as other people upon whose health the trip depends.
You are advised to read the Health Declaration contained in this policy. If you are in any doubt as to whether a medical condition is covered you must contact the Medical Screening Service on +44 (0)330 660 0563.
We will not cover a medical problem referred to in the Health Declaration unless this was declared to us and accepted by us in writing. This includes medical conditions in addition to those which are listed as Automatically Covered Pre-Existing Medical Conditions.
Automatically Covered Pre-Existing Medical Conditions
You do not need to call the Medical Screening Service in respect of the following automatically covered medical conditions as they will be covered for no additional premium provided that you do not also have a pre-existing medical

Page 9

condition which is not listed below. If you have a pre-existing medical condition in addition to any of the following automatically covered medical conditions you must follow the Health Declaration below and contact the Medical Screening Service on +44 (0)330 660 0563 if you answer YES to any of the questions. Acne, ADHD, Allergic reaction (Anaphylaxis) provided that you have not needed hospital treatment in the last 2 years, Allergic rhinitis, Alzheimer's Disease, Arthritis (the affected person must be able to walk independently at home without using mobility aids), Asthma (controlled only using a reliever and a preventer inhaler and with no history of hospital admissions or a past medical history of chest infection/Pneumonia in the last 6 months), Blindness or partial sightedness, Carpel tunnel syndrome, Cataracts, Chicken pox (if completely resolved), Cholesterol Hyper/Hypo, Coeliac Disease, Colour Blindness, Common cold or flu, Cuts and abrasions (that are not self-inflicted and require no further treatment), Cystitis (providing there is no ongoing treatment), Deafness/ Impaired Hearing, Diabetes (type 2 controlled by diet only with no history of admissions or related medical conditions) Diarrhoea and vomiting (if completely resolved) Downs Syndrome, Dyspepsia, Eczema, Enlarged prostate (benign only), Essential tremor, Glaucoma, Gout, Haemorrhoids, Hay fever, HRT, Hyperlipidemia, Indigestion, Irritable Bowel Syndrome, Lichen Planus, Ligament or tendon injury (provided that you are not currently being treated), Macular degeneration, Melanosis, Menopause, Migraine (providing there are no ongoing investigations), Nasal polyps, Night Blindness, Parkinson's Disease, Physically Disabled, PMT, Psoriasis, Raynaud's Syndrome, Rhinitis, Rosacea, RSI, Sinusitis (providing there is no ongoing treatment), Skin or wound infections (that have completely resolved with no current treatment) Tinnitus, Underactive Thyroid (Hypothyroidism), Urticaria, Varicose veins in the legs, Vertigo.
Medical Screening Endorsements
When we have agreed to provide cover following a medical screening we will issue a medical screening endorsement. This endorsement will detail the premium which you have agreed to pay to include the specified medical condition(s) for cover under this policy and the period of time the endorsement is applicable for. Please note that the medical screening endorsement issued will form part of this contract along with the schedule of insurance.
Health declaration (applicable to nonautomatically pre-existing conditions)
You must advise us to the best of your knowledge if any of the following apply to you, a travelling companion, an immediate relative, close business associate or someone upon whom the trip depends, (whether they are travelling with you or not ). If you say `YES' to any of the following questions, the Medical Screening Service must be contacted on +44 (0)330 660 0563:

1. You/they were aware of any reason why the trip could be cancelled or curtailed or of any medical condition which could result in a claim.
2. You/they have, during the 12 months before this insurance started, suffered from or received treatment, advice or medication for any chronic, ongoing or recurring illness or condition. (A chronic condition is one lasting 3 months or more).
3. You/they were travelling against the advice of a medical practitioner or in order to get medical treatment abroad.
4. You/they have been diagnosed as having a terminal illness.
5. You/they were receiving, recovering from, or on a waiting list for in-patient treatment in a hospital or nursing home.
6. You/they were waiting for the results of tests or investigations, or awaiting a referral for an existing medical condition.
Failure to contact us could leave you with no right to make a claim, and may mean that you travel with insufficient cover. If cover can be provided for your condition, you will be given a screening reference number and a letter will be sent to you upon receipt of payment. Any additional premiums must be paid to your insurance broker.
Change in Health
If any of the reasons stated in the Health Declaration above occur between the date the policy is issued and before the first day of your trip, including prior to booking any individual journey in respect of a Multi Trip Policy, you must notify the Medical Screening Service immediately on +44 (0)330 660 0563.
You must advise us to the best of your knowledge about anything that you think could give rise to a claim, particularly where your own health, or the health of a relative is concerned. In particular we will not cover medical problems referred to in the Health Declaration unless this is declared to us and accepted by us in writing.
We will then decide if we can provide you with cover on existing terms. We may ask you to pay an additional premium, or add special conditions to the policy. If we cannot provide cover, or if you do not want to pay the additional premium, you can make a cancellation claim if you have booked and paid for a trip that you have not yet made. Alternatively you can cancel your policy and we will send you a pro-rata refund.
We reserve the right not to extend the policy where the booked trip could be detrimental to your wellbeing. Failure to contact us could leave you with no right to make a claim, and may mean that you travel with insufficient cover.

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Pregnancy
As is consistent with the treatment of all medical conditions under the policy, the policy does not intend to cover the normal costs or losses otherwise associated with pregnancy (including multiple pregnancy) or childbirth. This includes, but is not limited to, delivery by caesarean section or any other medically or surgically assisted delivery which does not cause medical complications. The policy does, however, cover you should complications arise with your pregnancy due to accidental bodily injury or unexpected illness which occurs while on your trip excluding costs incurred during the period between 12 weeks before and 12 weeks after the estimated date of delivery.

This is not a private medical health insurance policy.
We will pay for private treatment only if there is no appropriate reciprocal health agreement in existence and no public service available and we reserve the right to organise a transfer from a private medical facility to a public medical facility where appropriate.
In the event of medical treatment becoming necessary for which reimbursement will be sought, we or our representatives will require unrestricted access to all of your medical records and information.

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Section One Cancellation

Covered
You are covered up to the limit as shown on the Summary of Cover for loss of travel and accommodation expenses, which were cancelled before you were due to leave your home for which you have paid or are contracted to pay, providing the cancellation is necessary and unavoidable (and is not as a result of mere disinclination to begin your trip as arranged) due to any cause listed below occurring during the period of insurance:
1. injury, serious illness, death of you, any person with whom you are intending to travel or stay, or of an immediate relative or close business associate of yours;
2. you being called for jury service, attending court as a witness (but not as an expert witness), or redundancy (for you or for any person with whom you had arranged to travel);
3. your home or place of business being made uninhabitable, within 14 days of travel, or the police asking to see you after theft from your home which occurred within 14 days of travel;
4. your posting overseas or emergency and unavoidable duty if you are a member of the medical or nursing professions, armed forces, police, fire or ambulance services;
5. compulsory quarantine;
6. this section is extended to cover you if you have to cancel your trip as a result of the Travel Advice Unit of the Foreign & Commonwealth Office (FCO), the World Health Organisation (WHO) or similar body issuing a directive prohibiting all travel or all but essential travel to the country or specific area or event to which you were booked to travel, providing the directive came into force after you purchased this insurance or booked the trip (whichever is the later).

Conditions
You must comply with the terms of contract of the travel agent, tour operator or provider of transport, accommodation and/or the course organiser and seek financial compensation and a refund of your tickets, expenses and fees from them in accordance with the terms of the contract and where applicable exercise your rights under consumer protection legislation to obtain a refund and / or compensation.
Not covered
1. The policy excess shown on the Summary of Cover (£20 in respect of loss of deposit only claims) of any incident.
2. Medically related claims where a certificate has not been obtained from a medical practitioner, confirming that cancellation of the trip is medically necessary.
3. Additional costs as a result of not immediately telling the travel agent, tour operator or provider of transport or accommodation that you need to cancel the trip. We will only pay the cancellation charges that would have applied at the time you knew it was necessary to cancel your trip, if a valid claim exists.
4. Any costs recoverable from another source.
5. Anything caused directly or indirectly by prohibitive regulations by the Government of any country.
6. Any costs incurred on behalf of other party members who are not specified on the insurance schedule.
7. If the health declaration has not been complied with and you do not have the appropriate endorsement from the Medical Screening service (see health declaration).
8. Anything mentioned in the General Exclusions.

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Section Two Curtailment
Covered
You are covered up to the limit as shown on the Summary of Cover for the value of the portion of your travel, accommodation expenses and tuition/course fees, calculated from the date of your early return home in the United Kingdom or the date of your hospitalisation as an inpatient, which have not been used and which were paid before your departure from your home in the United Kingdom. You are also covered for reasonable additional travelling expenses (Economy Class) incurred by you for returning to your home earlier than planned due to a cause listed below.
1. Accidental injury, serious illness, death of you, any person with whom you are intending to travel or stay, or of an immediate relative or close business associate of yours.
2. Your home or place of business being made uninhabitable or the police requesting your presence following a theft from your home.
3. If you have to curtail your trip as a result of the Travel Advice Unit of the Foreign & Commonwealth Office (FCO), the World Health Organisation (WHO) or similar body recommending evacuation from the country or specific area in which you are travelling, providing the directive came into force after you purchased this insurance and after you have left the United Kingdom to commence the trip (whichever is the later).
Conditions
1. You must contact the Emergency Medical Assistance Service for assistance/advice if you need to cut short your trip for an insured reason.
2. You must use or revalidate your original ticket for your early return. If this is not possible you must provide evidence that additional costs were necessary. Any refunds due on unused original tickets will be deducted from your claim. If you do not have an original return ticket, you will not be reimbursed for costs incurred for your early return.

3. If you require the Emergency Medical Assistance Service to pay for arrangements, they may first need to contact the relevant medical practitioner to confirm your claim falls within the terms of our cover.
4. If you make your own arrangements you must supply all necessary documentation to substantiate that your claim falls within the terms of cover.
5. This policy does not provide compensation for loss of holiday/enjoyment.
Not covered
1. The policy excess shown on the Summary of Cover.
2. Claims that are not confirmed as medically necessary by the Emergency Medical Assistance Service, and where a medical certificate has not been obtained from the attending medical practitioner abroad confirming it necessary to curtail the trip.
3. Additional travelling expenses incurred which are not authorised by the Emergency Medical Assistance Service.
4. Unused prepaid travel tickets where repatriation has been arranged by the Emergency Medical Assistance Service.
5. Anything mentioned in the General Exclusions.
6. If the health declaration has not been complied with and you do not have an appropriate endorsement from the Medical Screening Service (see health declaration).
NOTE: It is a requirement of this insurance that you contact the Emergency Medical Assistance Service as soon as possible if you wish to return to the United Kingdom for any of the reasons listed above or by any method other than as originally planned. Failure to do so may affect your claim.

Page 13

Section Three Emergency Medical Expenses (not Private
Health Insurance)
NOTE: This is not a private health insurance policy. We will pay for private treatment only if there is no appropriate reciprocal health agreement in existence and no public service available and we reserve the right to organise a transfer from a private medical facility to a public medical facility where appropriate.
In the event of medical treatment becoming necessary for which reimbursement will be sought, we or our representatives will require unrestricted access to all your medical records and information.
Inpatient
If you are admitted to hospital as an in-patient overseas, the Emergency Medical Assistance Service must be notified immediately. They will deal direct with the hospital and arrange the payment of any bills. Repatriation by specially equipped air ambulance will be available where medically necessary.
You must maintain contact with the Emergency Medical Assistance Service until your return to the United Kingdom or until you no longer require treatment or assistance.
Out-patient less than £1,000
In the following countries only: Spain, Greece, Cyprus, Egypt, Turkey and Portugal.
If you need out-patient medical treatment and the costs are likely to be less than £1,000 please provide a copy of your schedule to the doctor and your treatment will be paid by ChargeCare International in line with the policy wording. In such cases, the doctor will ask you to fill in a simple form to confirm the treatment and may request you pay the policy excess. The doctor will then send the medical bill and supporting documentation to ChargeCare International for repayment. Contact for Chargecare International newcliniccase@chargecare.net

Out-patient less than £1,000
In all other countries not listed above
Contact the Claims & Assistance Service for a claim form by email on claims@mstream.co.uk or by phone on +44 (0)330 660 0785. They will advise you of any additional supporting documentation required (this will be dependent upon the circumstances and nature of the medical claim). All original receipts for medical consultations / treatment/medication etc should be retained and submitted to support your claim.
If you receive out patient treatment (no hospital admission) and the costs are likely to exceed £1,000 you must refer to the Emergency Medical Assistance Service for authorisation.
NOTE: Travelling on a one way ticket: We will not pay you for expenses you would usually have. This includes a return ticket home if you're travelling on a one way ticket. If you do not have an original return ticket, you will not be reimbursed for costs incurred for your early return.

Page 14

Section Three ­ Emergency Medical Expenses (not Private Health Insurance) continued
Covered
You are covered up to the limit as shown on the Summary of Cover for costs incurred
A. Outside the United Kingdom for:
1. emergency medical and surgical treatment and hospital charges (including necessary physiotherapy, authorised by the Emergency Medical Assistance Service);
2. emergency dental treatment, to relieve pain only, limited to amount shown on the Summary of Cover;
3. reasonable and necessary additional accommodation (room only) and travelling expenses home (Economy Class), including those of one relative or friend if you have to be accompanied home on the advice of the attending medical practitioner or if you are a child and require an escort home;
4. in the event of death, reasonable cost for the conveyance of the body or ashes to the United Kingdom (the cost of burial or cremation in the United Kingdom/Home is not included), or local funeral expenses abroad limited to £1,000;
5. any necessary costs you incur from a specialist local rescue organisation for Search and Rescue and emergency transfer to hospital up to £50,000 in the event of an accident whilst you are participating in an insured activity provided you have paid the additional premium for that activity and it is shown on your policy schedule. Search and Rescue costs are covered up to 72 hours from the time at which assistance is first summoned.
B. Within the United Kingdom:
1. reasonable and necessary expenses incurred in respect of your travel home (Economy Class), or additional accommodation (room only) for you and one relative or friend should you suffer accidental bodily injury, illness or death whist on a trip within the United Kingdom limited to the amount stated on the Summary of Cover.
NOTE: IF YOU ARE TRAVELLING TO A COUNTRY IN THE EUROPEAN UNION YOU SHOULD TAKE A EUROPEAN HEALTH INSURANCE CARD (EHIC). THIS MAY ENTITLE YOU TO FREE OR REDUCED COST HEALTHCARE IN THE EU. THESE ARE FREE OF CHARGE AND CAN BE OBTAINED OR RENEWED BY CALLING 0300 330 1350, PICKING UP AN APPLICATION

FORM FROM A POST OFFICE OR APPLYING ONLINE AT WWW.EHIC.ORG.UK. IF YOU ARE TRAVELLING TO AUSTRALIA AND REQUIRE MEDICAL TREATMENT, YOU MUST ENROL WITH MEDICARE.
Not covered
1. The policy excess shown on the Summary of Cover.
2. Any sums which can be recovered from another source or which are covered under any National Insurance scheme or reciprocal health arrangement.
3. Any expenses or fees, for in-patient treatment or returning home early, which have not been reported to and authorised by the Emergency Medical Assistance Service.
4. Any expenses incurred for illness, injury or treatment required as a consequence of:
a) surgery or medical treatment which in the opinion of the attending medical practitioner and the Emergency Medical Assistance Service can be reasonably delayed until your return to the United Kingdom;
b) medication and/or treatment which at the time of departure is known to be required or to be continued during your trip.
5. The cost of any routine or elective (nonemergency) treatment or surgery, including specialist review or referral, exploratory tests, treatment or surgery which are not directly related to the injury, which necessitated your admittance to hospital.
6. If the health declaration is not complied with and you do not have an appropriate endorsement from the Medical Screening Service (see health declaration).
7. Claims that are not confirmed as medically necessary by the attending medical practitioner or the Emergency Medical Assistance Service.
8. Any additional hospital costs arising from single or private room accommodation unless medically necessary.
9. Treatment or services provided by a health spa, convalescent or nursing home or any +rehabilitation centre.
10. Any costs incurred within the United Kingdom.
11. Further costs you incur if we wish to bring you home early but you refuse (where in the opinion of the treating medical practitioner and the Emergency Assistance Service you are fit to travel).
12. Anything mentioned in the General Exclusions.

Page 15

Section Four Hospital Benefit
This section does not apply to trips within the United Kingdom.
This benefit is payable only if the hospital admission has been covered under the terms of the Emergency Medical Expenses section. The benefit payment is intended to contribute towards miscellaneous expenses that may be incurred whilst you are an in-patient (e.g. taxi fares and telephone calls). This policy does not provide compensation for loss of holiday/enjoyment.
Covered
You are covered up to the limit as shown on the Summary of Cover for:
1. payment of the amount shown for each complete 24 hours you spend in hospital, as a result of you being admitted as an in-patient to a registered hospital. This is in addition to any medical expenses incurred under Emergency Medical Expenses section.
Conditions
1. In the event of a claim you must provide documentation confirming the date and time of admission and discharge.

Not Covered 1. Anything mentioned in the General Exclusions.

Page 16

Section Five Personal Accident
Covered
You are covered up to the limit as shown on the Summary of Cover in respect of loss of limb, loss of sight, permanent total disablement or for death (which will be paid to your legal representative), if you have a personal accident during your trip which, up to 12 months from the date of the accident, is the sole cause of your consequent death or disability.
We will only pay the benefit for permanent total disablement if your medical practitioner or specialist confirms that you cannot do any paid work for 12 months after the date of the accident and there is little or no hope of improvement. You must accept and agree to examination by our doctor or specialist should we consider it necessary to validate the claim.

NOTE: If you are aged under 16 years at the time of the accident the death benefit will be limited to funeral and other reasonable costs up to £1,000 and the permanent total disablement benefit will not apply.
Not covered
1. Any claims for death, loss or disablement caused directly or indirectly by:
a) disease or any physical defect or illness;
b) an injury which existed prior to the beginning of the trip.
2. Anything mentioned in the General Exclusions.

Page 17

Section Six Baggage & Personal
Belongings

Covered
A) Personal Baggage
You are covered up to the limit as shown on the Summary of Cover for the value or repair to any of your personal baggage (not hired, loaned or entrusted to you), which is lost, stolen, damaged or destroyed limited to:
a) the single item limit as shown on the Summary of Cover for any one item, pair or set of items;
b) the valuables limit as shown on the Summary of Cover for all valuables in total.
If we decide to replace lost or damaged personal baggage we always replace new for old. We can replace or repair lost or damaged items, or make a cash settlement based on the replacement cost. We don't make any reductions for wear and tear.
B) Delayed Baggage
You are covered up to the limit as shown on the Summary of Cover for the cost of buying replacement necessities if your personal baggage is delayed in reaching you on your outward journey for at least 24 hours and you have a written report from the carrier (e.g. airline, shipping company etc) or tour representative. Receipts will be necessary in the event of a claim.
Conditions
1. Any amount we pay you under B) Delayed Baggage will be deducted from the final claim settlement if your baggage is permanently lost.
2. You must obtain written proof of the incident from the police, your accommodation management, tour operator or carrier, within 24 hours of the discovery in the event of loss, burglary or theft of the baggage. Failure to do so may result in your claim being declined.
3. In the event of a claim for damaged items, proof of the damage must be supplied.
4. In the event of a claim for a pair or set of items, we shall be liable only for the value of that part of the pair or set which is lost, stolen, damaged or destroyed.

5. If the repair cost is more than the value of an item, we will assess the claim as if the item has been lost.
6. If your personal baggage or valuables are left in your locked and secure hotel room, apartment or holiday residence or your vehicle, the loss must be as a result of forcible & violent entry.
Not covered
1. The policy excess shown on the Summary of Cover. This applies to each person making a claim; of any incident.
2. If you do not exercise reasonable care for the safety and supervision of your personal baggage & valuables.
3. Any item, pair or set of items with a value of over £50, if an original receipt, valuation report or other acceptable proof of ownership and value cannot be supplied to support your claim.
4. In the event of a claim for damaged items, proof of the damage must be supplied. The damaged articles must be retained by you and if requested, submitted to the claims handlers so as to substantiate a claim. Failure to do so may result in a claim being turned down.
5. If your personal baggage is lost, damaged or delayed in transit and you do not:
a) notify the carrier (i.e. airline, shipping company etc) immediately and obtain a written carrier's report (or Property Irregularity Report in the case of an airline); or
b) follow up in writing within 7 days to obtain a written carrier's report (or Property Irregularity Report in the case of an airline) if you are unable to obtain one immediately.
6. Loss, destruction, damage or theft of the following property:
a) contact or corneal lenses, hearing aids, dentures and false body parts or other prostheses;
b) antiques, precious stones that are not set in jewellery, glass or china, pictures, musical instruments;

Page 18

Section Six ­ Baggage & Personal Belongings continued
c) pedal cycles, dinghies, boats and/or ancillary equipment, vehicles or vehicle accessories (other than wheelchairs and pushchairs);
d) tools of trade; e) perishable items such as food; f) valuables left unattended at any time
(including in a vehicle or in the custody of carriers) unless they are with you or locked in a safe or safety deposit box, or in respect of a vehicle, in an out of sight locked boot, concealed luggage department or under the purpose built luggage cover of an estate or hatchback car; g) valuables left as checked­in baggage. 7. Loss, destruction, damage or theft: a) due to confiscation or detention by customs or other officials or authorities; b) due to wear and tear, denting or scratching, moth or vermin; c) transportation by any postal or freight service, or if sent under an air-way bill or bill of lading. 8. Mechanical breakdown or derangement, for breakage of fragile or brittle articles being transported by a carrier, unless the breakage is due to fire or other accident to the vessels, aircraft or vehicle in which they are being carried. 9. Any shortage due to error, omission or depreciation in value. 10. Any property covered under a Household insurance policy. 11. Stamps, documents, deeds, samples or merchandise, manuscripts or securities of any kind, sports gear or activity equipment. 12. Winter Sports Equipment (unless you have paid the appropriate premium for skiing / snowboarding under Level 3 or 4 of Section 16 Sports and Activities). 13. Sports or activity equipment whilst in use; excluding Section 17 Winter Sports Equipment when you have paid the appropriate premium and it is shown on your policy schedule. 14. Anything mentioned in the General Exclusions.
Page 19

Section Seven Money & Documents

Covered
You are covered up to the limit as shown on the Summary of Cover for accidental loss or theft of your own money whilst being carried on your person or left in a locked safety deposit box. Cash is limited to the amount shown on the Summary of Cover unless you are under 16 years, in which case the maximum payable is £50.
Condition
In the event of a claim for loss of cash you must provide evidence of the initial withdrawal of the cash and also evidence of how you coped financially immediately after the loss (e.g. currency exchange/withdrawal slips, bank/credit card statements).

Not covered
1. The policy excess shown on the Summary of Cover of any incident.
2. If you do not exercise reasonable care in protecting your money against loss, theft or damage.
3. If you do not obtain a written police report within 24 hours of the discovery in the event of loss, burglary or theft of money.
4. Any shortages due to error, omission or depreciation in value.
5. Anything mentioned in the General Exclusions.

Page 20

Section Eight Loss of Passport/ Driving License and
Visa Expenses
This section does not apply to trips within the United Kingdom.
Covered
You are covered up to the limit as shown on the Summary of Cover for:
1. reasonable additional travel or accommodation expenses you have to pay whilst abroad, over and above any payment which you would normally have made during the trip if no loss had been incurred, as a result of you needing to replace a lost or stolen passport, visa or driving licence;
2. any additional fees payable specifically for you to obtain the replacement passport itself over and above that payable in the United Kingdom;
3. the equivalent (pro-rata) value of the remaining period of your original passport at the time of loss. For the replacement cost of any temporary passport, as well as visa or temporary work permits which were issued in your original passport.
Condition
You must provide receipts for all costs incurred.

Not covered
1. The policy excess shown on the Summary of Cover of any incident.
2. Any costs that you would have incurred had you not lost your passport, visa or driving licence.
3. If you do not exercise reasonable care for the safety or supervision of your passport, visa or driving license.
4. If you do not obtain a written police report within 24 hours of the loss.
5. Loss, destruction or damage arising from confiscation or detention by customs or other officials or authorities.
6. Anything mentioned in the General Exclusions.

Page 21

Section Nine Travel Disruption
This section does not apply to trips within the United Kingdom. This section is not applicable if you have selected cover.
Covered
We will pay you one of the following amounts:
Travel delay:
1. If the public transport on which you are booked to travel is cancelled or delayed due to:
a) strike or industrial action (provided that when this policy was taken out, and when the trip was booked there was no reasonable expectation that the trip would be affected by such cause);
b) adverse weather conditions;
c) mechanical breakdown or technical fault of the aircraft, coach, train or sea vessel;
leading to your arrival at your overseas destination being delayed for more than 12 hours or your return journey to your home being delayed for more than 12 hours.
You are covered for a payment for each completed 12 hours delay up to the limit, as shown on the Summary of Cover, (which is designed to help you pay for telephone calls made and meals and refreshments purchased during the delay) provided you eventually continue with your trip.
or
Trip abandonment:
2. We will pay you:
a) up to the limit as shown on the Summary of Cover for any irrecoverable unused accommodation and travel costs and other pre-paid charges which you have paid or are contracted to pay if you abandon the trip because you were not able to travel as a result of:
i) the public transport on which you were booked to travel from the United Kingdom being cancelled or delayed for more than 24 hours; or

ii) you being denied boarding on the flight on which you were booked to travel from the United Kingdom (because there are too many passengers for the seats available) and no other flight could be provided within 24 hours.
or
Additional travel & accommodation:
b) up to the limit as shown on the Summary of Cover for reasonable suitable additional accommodation (room only) and public transport expenses (Economy class) necessarily incurred in reaching your overseas destination and/or in returning to the United Kingdom as a result of:
i) the public transport on which you were booked to travel being cancelled, delayed for more than 12 hours, diverted or redirected after take-off; or
ii) you being denied boarding (because there are too many passengers for the seats available) and no other alternative flight could be provided within 12 hours;
and you choose to make other travel arrangements on public transport for your trip because there was no other alternative transport offered by the public transport operator. The amount payable will be calculated after deduction of the amount of the refund on your ticket(s) together with any compensation from the public transport operator.
If the same costs, charges or expenses are also covered under Section 10 Missed Departure you can only claim for these under one section for the same event.

Page 22

Section Nine ­ Travel Disruption continued
Conditions
1. In the event of a claim due to delayed public transport you must provide documentation from the transport company, confirming the period of and the reason for the delay.
2. You must check in, according to the itinerary supplied to you unless your public transport provider has requested you not to travel to the airport/port.
3. You must get (at your own expense) written confirmation from the public transport operator (or their handling agents) of the cancellation, number of hours of delay or denied boarding and the reason for these together with details of any alternative transport offered.
4. You must comply with the terms of contract of the public transport operator and seek financial compensation, assistance or a refund of your ticket from them, in accordance with the terms and/or (where applicable) your rights under EU Air Passengers Rights legislation or other passenger protection scheme in the event of denied boarding, cancellation or long delays.
5. You can only claim under subsections 1. or 2. for the same event, not both.

Not Covered
1. The policy excess shown on the Summary of Cover of any incident and is only applicable if you abandon your trip.
2. If you have not checked-in in sufficient time for your outward or return journey.
3. Any claims arising from withdrawal from service temporary or otherwise of the aircraft, coach, train or sea vessel on the order or recommendation of the Civil Aviation Authority or Port Authority or similar body in any country.
4. Abandonment of a trip once you have departed from the United Kingdom.
5. Any costs incurred by you which are recoverable from the public transport operator or for which you receive or are expected to receive compensation, damages, refund of tickets, meals, refreshments, accommodation, transfers, communication facilities or other assistance.
6. Denied boarding due to your drug use, alcohol or solvent abuse or your inability to provide a valid passport, visa or other documentation required by the public transport operator or their handling agents.
7. Claims arising which relate to an event which is occurring or you were aware could occur at the time you purchased this insurance or booked your trip (whichever is the later).
8. Any costs claimed under another section of this policy.
9. Anything mentioned in the General Exclusions.

Page 23

Section Ten Missed Departure

This section does not apply to trips within the United Kingdom.
Covered
You are covered up to the limit as shown on the Summary of Cover for reasonable additional accommodation (room only) and public transport travel expenses (Economy class) necessarily incurred in reaching your overseas destination or returning to the United Kingdom if you fail to arrive at the departure point in time to board any onward connecting public transport on which you are booked to travel, including connections within the United Kingdom on the return journey to your home as a result of:
1. the failure of other public transport; or
2. strike, industrial action or adverse weather conditions; or
3. you being denied boarding (because there are too many passengers for the seats available).
If the same expenses are also covered under Section Nine ­ Travel Disruption you can only claim for these under one section for the same event.
Conditions
1. You must check in, according to the itinerary supplied to you unless your transport provider operator has requested you not to travel to the airport/port.
2. You must get (at your own expense) written confirmation from the public transport operator (or their handling agents) of the cancellation, number of hours of delay or denied boarding and the reason for these together with details of any alternative transport offered.
3. You must comply with the terms of contract of the public transport operator and seek financial compensation, assistance or a refund of your ticket from them, in accordance with the terms and/or (where applicable) your rights under EU Air Passengers Rights legislation or other passenger protection scheme in the event of denied boarding, cancellation or long delay of flights.

Not Covered
1. The policy excess shown on the Summary of Cover of any incident.
2. If sufficient time has not been allowed for your journey in order to meet the check-in time(s) specified by the transport providers or agent.
3. If you are not proceeding directly to the departure point.
4. Any costs incurred by you which are recoverable from the public transport operator or for which you receive or are expected to receive compensation, damages, refund of tickets, meals, refreshments, accommodation, transfers, communication facilities or other assistance.
5. Denied boarding due to your drug use, alcohol or solvent abuse or your inability to provide a valid passport, visa or other documentation required by the public transport operator or their handling agents.
6. Claims arising which relate to an event which is occurring or you were aware could occur at the time you purchased this insurance or booked your trip (whichever is the later).
7. Any costs claimed under another section of this policy.
8. Anything mentioned in the General Exclusions.

Page 24

Section Eleven Uninhabitable Accommodation

Covered
We will pay you up to limit as shown on the Summary of Cover for reasonable additional accommodation (room only) and transport costs (Economy class) incurred:
1. up to the standard of your original booking, if you need to move to other accommodation on arrival or at any other time during the trip because you cannot use your booked accommodation; or
2. with the prior authorisation of the Emergency Assistance Service to repatriate you to your home if it becomes necessary to curtail the trip as a result of a natural catastrophe, an infectious disease or outbreak of food poisoning affecting your accommodation.
Conditions
1. You must provide written confirmation from the appropriate public authority confirming the cause and the amount of time it lasted.
2. You must provide written confirmation of the additional accommodation (room only) charges incurred.

Not Covered
1. The policy excess shown on the Summary of Cover of any incident.
2. Any cost recoverable from another source (e.g. tour operator, hotel, credit/debit card company).
3. Any claim arising as a result of you travelling against the advice of a local or national authority.
4. Any costs for normal day to day living such as food and drink which you would have expected to pay during your trip.
5. Any claim arising as a result of your mere disinclination to carry on with your trip.
6. Claims arising which relate to an event which is occurring or you were aware could occur at the time you purchased this insurance or booked your trip (whichever is the later) or any time prior to your departure from the UK.
7. Any costs claimed under another section of this policy.
8. Anything mentioned in the General Exclusions.

Page 25

Section Twelve Personal Liability
NOTE: If you are using a mechanical/motorised vehicle, make sure that you are adequately insured for third party liability, as you are not covered under this insurance.
Covered
You are covered up to the limit as shown on the Summary of Cover, for legal expenses and legal liability for damages incurred by you which are caused by an accident that happened during the trip, and leads to claims made against you as a result of:
1. accidental bodily injury to a person who is not a member of your family or household or employed by you;
2. loss of or damage to any property which does not belong to you, is not in the charge of, and is not in the control of you or any member of your family, household or employee;
3. loss of or damage to temporary holiday accommodation that does not belong to you, or any member of your family, household or employee.
NOTE: 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.

Not covered
1. The policy excess shown on the Summary of Cover of any incident. This applies to each person making a claim.
2. Fines imposed by a Court of Law or other relevant bodies.
3. Anything caused directly or indirectly by:
a) liability which you incur as a result of an agreement that you made which would not apply in the absence of that agreement;
b) injury, loss or damage arising from:
i) ownership or use of aircraft, horse-drawn or mechanical/motorised vehicles, vessels (other than rowing boats, punts or canoes), animals (other than horses) or firearms or any weapons;
ii) the occupation (except temporarily for the purpose of the trip) or ownership of any land or buildings;
iii) the carrying out of any trade or profession;
iv) racing of any kind;
v) any deliberate act;
c) liability covered under any other insurance.
4. Anything mentioned in the General Exclusions.

Page 26

Section Thirteen Legal Expenses

Covered
You are covered if you die, are ill or injured during your trip and you or your personal representative take legal action to claim damages or compensation for negligence against a third party we will do the following:
Nominate an appointed adviser to act for you. If you and we cannot agree on an appointed adviser, the matter can be referred to an Alternative Resolution Facility.
For each event giving rise to a claim pay up to the amount shown on your schedule for legal costs for legal action for you (but no more than £25,000 in total for all persons insured on the policy).
Conditions
1. You must conduct your claim in the way requested by the appointed adviser.
2. You must keep us and the appointed adviser fully aware of all the facts and correspondence including any claim settlement offers made to you.
3. We will not be bound by any promises or undertakings which you give to the appointed adviser, or which you give to any person about payment of fees or expenses, without our consent.
4. We can withdraw cover after we have agreed to the claim, if we think a reasonable settlement is unlikely or that the cost of legal action could be more than settlement.

Not Covered
1. Any claim:
a) reported to us more than 60 days after discovery of the event giving rise to the claim;
b) where we think a reasonable settlement is unlikely or where the cost of legal action could be more than the settlement;
c) involving legal action between members of the same household, an immediate relative, a travelling companion or one of your employees;
d) where another insurer or service provider has refused your claim or where there is a shortfall in the cover they provide;
e) against a travel agent, tour operator or carrier, us, the insurer, another person insured by this policy or our agent.
2. Legal costs:
a) for legal action that we have not agreed to;
b) if you refuse reasonable settlement of your claim. You should use Alternative Resolution Facilities such as mediation in this situation;
c) if you withdraw from a claim without our agreement. If this occurs legal costs that we have paid must be repaid to us and all legal costs will become your responsibility;
d) that cannot be recovered by us, you or your appointed adviser, when you receive compensation. Any repayment will not be more than half of the compensation you receive;
e) awarded as a personal penalty against you or the appointed adviser (for example not complying with Court rules and protocols);
f) for bringing legal action in more than one country for the same event;
g) the funding of any appeal costs or actions to enforce a judgement or legally binding decision;
h) anything mentioned in the General Exclusions.

Page 27

Section Fourteen Hijack

Covered
You are covered up to the limit as shown on the Summary of Cover, for each complete 24 hour period you are the victim of a hijack.

Not covered
1. If you or your family or your business associates have engaged in activities that could be expected to increase the risk of hijack.
2. Anything mentioned in the General Exclusions.

Page 28

Section Fifteen Kidnap, Ransom & Extortion Expenses

Covered
The Insured Person will be covered up to the limit as shown on the Summary of Cover in respect of Ransom & Extortion Monies and Consultants Costs.

Not covered
1. Any claim arising from an Insured Journey to from or through the following countries: Mexico, Iraq, Philippines, Nigeria, Colombia, Venezuela, Yemen, Afghanistan, Libya, Syria or Somalia.
2. Any fraudulent or dishonest act of the Insured Person.
3. Any claim for an Insured Person who is the subject of Kidnap within the United Kingdom or their Country of Residence (if different).
4. If you or the Insured Person has previously had Kidnap insurance declined or cancelled.
5. Kidnap of an Insured Person while on an Insured Journey in excess of 60 days duration unless referred to and agreed by us in writing prior to departure.
6. Any sums that you become legally liable to pay as a result of any legal action for damages including legal costs incurred by you in defence of such action as the result of alleged negligence or incompetence in hostage retrieval or negotiations following Kidnap or alleged negligence in not preventing Kidnap.
7. Any expenses incurred without the prior consent of us.
Conditions
1. You must take all reasonable precautions not to disclose the existence of this insurance.
2. You must inform our Claims & Assistance Service immediately in the event of any circumstances that could give rise to a claim under this Section. Their telephone number is +44 (0)330 660 0785.
3. You must provide us with all assistance and information in a timely manner and must not attempt to make arrangements without the involvement and/or agreement of us.

Page 29

Section Sixteen Business Travel/
Work Abroad

Covered
You are covered for:
1. Reasonable additional business travel and accommodation costs for a business partner, director or employee from the United Kingdom to replace you at a pre-arranged meeting in the event of your medical incapacity to carry out your duties abroad up to the limit shown on the Summary of Cover.
2. The cost of replacing lost, stolen damaged or destroyed business equipment, samples or documentation, while being carried with you during your trip, up to the Limit shown on the Summary of Cover. You are not covered under the Personal Liability section when you are working.
3. The loss of conference fees outside your normal Country of Residence (if different), up to the Limit shown on the Summary of Cover.
You are not covered under the Personal Liability section when you are undertaking any form of work.

Not Covered
1. The policy excess as shown on the Summary of Cover.
2. Anything covered under Emergency Medical Expenses and Baggage and Personal Belongings Sections.
3. Anything listed in the General Exclusions.

Page 30

Section Seventeen Sports & Activities
Covered
Your travel insurance covers you for many sports and activities as standard which are listed below as Level 1. Any other sports and activities will need an extra premium to be paid for cover to apply and it will be shown on your schedule.
If you are participating in an activity that is not listed, you must contact us to ensure you have full cover, cover will not be in place until we have confirmed acceptance and any additional premium paid.

If you have paid the additional premium for a sport or activity in Level 4 you will be covered for all sports and activities listed as Level 1, 2, 3 and 4.
If you have paid the additional premium for a sport or activity in Level 3 you will be covered for all sports and activities listed as Level 1, 2 and 3.
NOTE: Some sections of cover will be excluded and special conditions and exclusions will apply while taking part in certain activities, see the individual sport and activity below for details

Sport, activity
Abseiling (see climbing) Acrobatics Aerial safari Aerobics American football (Gridiron) Angling (see fishing) Athletics Australian Rules Football (AFL) Backpacking (see hiking) Badminton Ballet Banana boat rides Baseball Basketball Bicycle polo Biking (see cycling, mountain biking or snow biking)

Level Special conditions 1 Special condition (a) applies 1 2 Special condition (a) applies 1 3
1 3
1 1 1 Special condition (a) applies 1 1 2

Black water rafting (cave tubing) (grades 1-3)

1 Special condition (a) applies

Special exclusions No Personal Accident Cover No Personal Accident Cover No Personal Accident Cover

Black water rafting (cave tubing) (grades 4-5)
Boating (inland and coastal waters) see also speed boating and sailing Boating (outside coastal waters) see also speed boating, and sailing
Bobsled/Bobsleigh
Bouldering (see rock climbing)

2 Special condition (a) applies

No Personal Accident Cover

1 Special condition (a) or (b) applies,

No white water cover No Personal Liability Cover

2

Special condition (a) or (b) and special condition (c) applies

No Personal Accident Cover No Personal Liability Cover

4 Special condition (a) applies

No Personal Accident Cover No Personal Liability Cover

Page 31

Sport, activity

Level Special conditions

Bowling (lawn, ten-pin, nine-pin, candlepin, duckpin and five-pin bowling, bowls, pétanque & 1 boules)

Boxing (gym or outdoor training) no competition or bouts

2

Bungee/bungy jumping (max 2 jumps per trip)

1 Special condition (a) applies

Bungee/bungy jumping (3 jumps or more) Bushcraft (see hiking) Bushwalking (see hiking) Camel riding (day tour) Camel trekking (overnight/main mode of transport) Canoeing (grades 1-3) (see kayaking) Canyon swing

2 Special condition (a) applies
1 Special condition (a) applies 2 2 Special condition (a) applies

Canyoning

3

Capoeira dancing (see dance) Caving (sightseeing/tourist attraction) Cheerleading

1 Recreational visit only. 1

Clay pigeon shooting

1 Special condition (a) or (b) applies

Cricket Croquet Cruising (cruise ship) Curling Cycle racing/time trial Cycling (incidental to the trip) Cycling (independent cycle touring) Cycling (on an organised tour) Dance (ballet, ballroom, capoeira, salsa interpretive dance) Darts Dirt boarding Diving (see high diving or scuba diving) Dodge ball

1 1 1 Special condition (a) applies 1 3 1 2 1 Special condition (a) applies
1
1 2 1 1

Dogsledding (on recognised trails)

2 Special condition (a) applies

Dragon boating (inland or coastal waters only)

1

Dune buggy
Elephant riding Elephant trekking (overnight/main mode of transport) Fell running/walking (see hiking)

1 Special condition (a) or (b) applies 1 Special condition (a) applies 2 Special condition (a) applies

Special exclusions
No Personal Liability Cover No Personal Liability Cover
No Personal Accident Cover No Personal Liability Cover
No Personal Liability Cover Climbing (see rock climbing)
No Intercontinental touring No Intercontinental touring
No Personal Liability Cover Remote areas, racing, time trials and endurance events No Personal Accident Cover No Personal Liability Cover No Personal Liability Cover No Personal Liability Cover

Page 32

Sport, activity Fencing Fishing (ice) Fishing (inland or coastal waters)

Level Special conditions 2 1 Special condition (a) or (b) applies 1

Fishing (outside coastal waters, deep sea fishing) 2 Special Condition (a) and (c) applies

Fitness training Floorball Fly by wire

1 1 2 Special condition (a) applies

Flying (as a fare paying passenger in a licensed scheduled or chartered aircraft or helicopter)

1 Special condition (a) applies

Flying (as a passenger in a glider or ultralight)

4

Flying (as a pilot or passenger of a private light aircraft)

4

Flying (Gliding)
Football (Soccer) including 5 a side Frisbee Glacier walking (ice walking) Go karting Golf Gym training (aerobics, spinning, zumba, body pump, weight training, cross training, crossfit) (See also boxing and martial arts) Gymnastics (also see acrobatics) Handball High diving up to 10 metres (excluding cliff diving)
Hiking up to 1,500 metres (scrambling, hillwalking)
Hiking up to 3,000 metres (scrambling, hillwalking)
Hiking up to 4,500 metres (scrambling) on recognised routes
Hiking up to 6,000 metres (scrambling) on recognised routes
Hockey Horse riding (equestrian, dressage, show jumping, eventing) Horse riding (leisure/social/non-competitive riding) Hot air ballooning (ballooning)

4 Special condition (a) or (b) applies 2 1 2 Special condition (a) applies 1 Special condition (a) applies 1 1 1 1 2
1
2
3 Special condition (a) applies
4 Special condition (a) applies 1 3 1 1 Special condition (a) applies

Special exclusions No Personal Liability Cover
Sports/leisure fishing only - no commercial or rock fishing Sports/leisure fishing only - no commercial
No Stunt flying/aerobatics or commercial flying No Personal Accident Cover No Stunt flying/aerobatics or commercial flying No Personal Accident or Personal Liability Cover No Personal Accident or Personal Liability Cover
No Personal Liability Cover
No cover where ropes, picks or other specialist climbing equipment is required No cover where ropes, picks or other specialist climbing equipment is required No cover where ropes, picks or other specialist climbing equipment is required No cover where ropes, picks or other specialist climbing equipment is required
No Personal Accident Cover No racing, jumping or competitions. No Personal Liability Cover

Page 33

Sport, activity Hunting (excluding Big Game)

Level Special conditions

2

Special condition (a) or (b) applies

Hydrofoiling (see water skiing)

Ice hockey (indoor)

4

Ice skating (indoor)

1

Ice skating (outdoor) on a commercially managed rink

1

In-line skating

1

Jet boating (inland/coastal waters only)

1

Jet skiing (inland/coastal waters, white water grades 1-2 only)

1

Kayaking/Canoeing (inland/coastal waters, white water grades 1-3 only)

1

Kite boarding (on land or water)

1

Kite buggy

2

Kite flying

1

Kite surfing

2

Kite wing (land, water)

2

Kite wing (snow)

4

Korfball

1

Lacrosse

1

Land surfing

2

Martial arts (Judo & Karate only) no competition or bouts

2

Martial arts training (non-contact)

1

Special condition (a) applies Special condition (a) or (b) applies Special condition (a) or (b) applies
Condition (a) applies, non-competitive only

Moped riding/scooter biking

Special condition (b) applies,

1

a helmet must be worn

Motor racing experience (passenger only) Motor biking (on road over 125cc)

1

Special condition (a) applies

Special condition (b)

2

and a helmet must be worn

Motor biking (on road under 125cc)

Special condition (b)

1

and a helmet must be worn

Motor biking/trail biking (off-road 125cc or over)

Special condition (b)

4

and a helmet must be worn

Motor biking/trail biking (off-road under 125cc) 3

Special condition (b) and a helmet must be worn

Motor biking pillion passenger (on road only) see Motor biking
Mountain biking (on road) (see cycling)

Special exclusions No Cover for Big Game Hunting No Personal Liability Cover
No Personal Accident Cover No Personal Liability Cover
No Personal Liability Cover No Personal Liability Cover
No Personal Liability Cover No Personal Liability Cover
No Personal Liability Cover No Personal Liability Cover No Personal Accident Cover No Personal Liability Cover
No Personal Liability Cover No Personal Accident Cover No Personal Liability Cover
No Touring or where a motorbike is the main mode of transport. No Personal Accident Cover, No Personal Liability Cover
No Touring or where a motorbike is the main mode of transport No Personal Accident Cover No Personal Liability Cover No Touring or where a motorbike is the main mode of transport No Personal Accident Cover No Personal Liability Cover No Touring or where a motorbike is the main mode of transport No Personal Accident Cover No Personal Liability Cover No Touring or where a motorbike is the main mode of transport No Personal Accident Cover No Personal Liability Cover

Page 34

Sport, activity

Level

Mountain biking - downhill (using downhill trails

and/or mechanical lifts)

3

Special conditions

Special exclusions

Mountain biking general (off road/cross country) Netball Obstacle course/assault course/trim trail (see outdoor endurance) Orienteering Outdoor endurance courses up to 3 miles Outdoor endurance courses up to 8 miles Outdoor endurance courses up to 13 miles Outrigger canoeing (inland or coastal waters only) Outward Bound Paint balling/airsoft
Parachuting (one jump only) Parasailing/Parascending (over water only)
Quad biking Racquetball Rambling (see hiking if above 1,500 metres) Rifle range/sports shooting River boarding/hydro speeding (grades 1-3) (see also canoeing)

2 1

1 1 3 4

2

1 Special condition (a) applies 1 Special condition (a) applies

No Personal Liability Cover

1 Special condition (a) or (b) applies

No Personal Accident Cover No Personal Liability Cover

1 Special condition (a) or (b) applies

No Personal Liability Cover

2

Condition (a) or (b) applies, a helmet must No Personal Accident Cover

be worn

No Personal Liability Cover

1

1
1 Special condition (a) or (b) applies
Special condition (a) applies 1

No Personal Liability Cover

Rock climbing (bouldering)

2

Rock climbing (indoor)

1 Special condition (a) applies

Rock climbing (outdoor/traditional/sport

climbing/bolted/aid climbing/free climbing)

2

Roller hockey

2

Roller skating

1

Rollerblading

1

Rounders

1

Rowing/sculling (inland/coastal waters)

1

Rugby (League/Union)

3

Running (up to marathon distance)

2

Running/jogging (half marathon distance or less) 1

Safari tours
Sail boarding (see wind surfing) Sailing (inland/coastal waters)

1 Special condition (a) applies 1 Special condition (a) or (b) applies

No Soloing No Personal Accident Cover No Soloing No Personal Accident Cover No Soloing No Personal Accident Cover
No cover for stunting No cover for stunting
No white water No Personal Accident Cover
No cover for handling or work with dangerous animals including big cats, crocodiles, alligators, hippopotamuses, snakes, elephants or bears
No Personal Liability Cover

Page 35

Sport, activity

Level Special conditions

Special exclusions

Sailing (outside coastal waters)
Sandboarding/sand skiing Scuba diving (to 30 metres)
Scuba diving (to 50 metres)
Scuba diving (unqualified/learn to dive course/ discover dive with qualified instructor) Sculling (see rowing) Sea kayaking/Sea canoeing (see kayaking)
Segway tours

2

Special condition (a) or (b) and special condition (c) applies

No Personal Liability Cover

3

1 Special condition (e) applies 3 Special condition (e) applies

See Special Exclusion (ii)
See Special Exclusion (ii) No Personal Accident Cover

1 Special condition (a) applies

See Special Exclusion (ii)

Condition (a) applies, 1 a helmet must be worn

No Personal Accident Cover No Personal Liability Cover

Shark cage diving (see scuba diving)
Skateboarding (ramp, half pipe, skate park, street)
Skiing (cross country/Nordic skiing on marked trails)
Skiing (snowblading) on piste or off piste within resort boundaries
Skiing (snowboarding) on piste or off piste within resort boundaries
Skiing /snowboarding (backcountry/ outside of resort boundary/alpine ski touring)
Skiing / snowboarding (by helicopter/snow cat)

1 3 Special condition (d) applies 3 Special condition (d) applies 3 Special condition (d) applies 4 Special condition (d) applies 4 Special condition (d) applies

See special exclusion (i)
See special exclusion (i)
See special exclusion (i) See special exclusion (i) No Personal Accident Cover See special exclusion (i) No Personal Accident Cover

Skiing / snowboarding (dry slope) Skiing / snowboarding (terrain park within resort) Skydiving/Tandem skydiving (one jump only) Sledding/Tobogganing/Snow Sleds Snow Sleighs (on snow) Sleigh rides (horse drawn) Snooker Snorkelling Snow biking (on piste or off piste within resort boundaries) Snow kiting
Snow rafting
Snowmobiling

3 Special condition (d) applies 4 Special condition (d) applies 1 3
1 1 1 3 4 Special condition (a) applies 3 Special condition (a) applies
3

See special exclusion (i) See Special Exclusion (i) No Personal Accident Cover No Personal Accident Cover No Personal Liability Cover
No Personal Accident Cover No Personal Liability Cover
See special exclusion (i) No Personal Accident Cover
No Personal Accident or Personal Liability Cover No Personal Accident Cover No Personal Liability Cover Remote areas, racing, time trials and endurance events are excluded No Personal Accident Cover No Personal Liability Cover

Soccer

1

Softball

1

Spearfishing

2

No Personal Liability Cover

Page 36

Sport, activity

Level Special conditions

Speed boating (inland/coastal waters only)
Spelunking (see caving) Squash/Racquet ball Stand up paddle surfing/paddle boarding Stilt walking Stoolball Surf boat rowing Surfing Swimming (pool; enclosed inland or coastal waters only), Swimming with dolphins /whales whale sharks (inland or coastal waters only) Table tennis Tandem skydiving (see skydiving) Tchoukball Ten pin bowling (see bowling) Tennis Theme parks/fairgrounds Tough Mudder (see outdoor endurance) Trail bike riding (see motorbiking) Tramping (see hiking) Trampolining Trapeze/Hire Wire Trekking (see hiking) Triathlon up to middle distance Triathlon up to sprint distance Tubing on rivers (grades 1-2) (see also white water rafting) Ultimate Frisbee Via Ferrata Volleyball Wake skating ­ see water skiing Wakeboarding - see water skiing Walking (see hiking, trekking) War games (online gaming)
War games/military simulation (see Paint balling/airsoft or rifle range/ sports shooting)
Water polo Water skiing (barefoot)

1 Special condition (a) or (b) applies
1 1 1 1 1 1 1 1 Special condition (a) applies
1
1
1 1 Special condition (a) applies
1 3 Special condition (a) applies
2 1 1 Special condition (a) applies 1 3 1
1 1 1 3 Special condition (a) or (b) applies

Special exclusions No white water cover. No Personal Liability Cover
No Personal Accident Cover No Personal Accident Cover
No Personal Liability Cover

Page 37

Sport, activity
Water skiing/wakeboarding/wake skating
Weight training (see also gym training) White water kayaking/canoeing (see kayaking/canoeing) White water rafting (grades 1-3) White water rafting (grades 4-5) Windsurfing (inland or coastal waters only) Yachting (see sailing) Yoga (class, alone/home practice) Zip line
Zorbing

Level Special conditions 2 Special condition (a) or (b) applies 1
1 Special condition (a) applies 2 Special condition (a) applies 1
1 1 Special condition (a) applies 2 Special condition (a) applies

Special exclusions No jumping, No Personal Liability Cover Powerlifting
No Personal Liability Cover
No Personal Accident Cover No Personal Liability Cover

Special Conditions
a) You must be with a professional, qualified and licensed guide, instructor or operator.
b) You must have the appropriate certification or licence to do this sport or activity at home. If operating a motor vehicle the driver must have the appropriate valid UK licence for the machine.
c) Within 60 miles of a safe haven (a protected body of water used by marine craft for refuge from storms or heavy seas).
d) Conventional skiing/snowboarding only. It is not a condition of cover that you ski or board with a guide, however, you must follow the International Ski Federation code or the resort regulations and we recommend that you do not venture into back country areas without taking local advice and appropriate rescue equipment.
e) You must hold a British Sub Aqua Club certificate or Professional Association of Diving Instructors certificate or equivalent and follow the relevant Club or Association rules and guidelines at all times, or you must only dive under the constant supervision of a properly licensed diving school and follow their rules and instructions at all times.
Special Exclusions
i) No cover for any competition, free-style skiing/snowboarding, ski/snowboard jumping, ski-flying, ski/snowboard acrobatics, ski/snowboard stunting, or ski racing or national squad training, the use of skeletons.

ii) No cover for any unaccompanied dive, any dive in overhead environments, or any dive for gain or reward.
Conditions
1. You must act in a reasonable way and use all recommended safety equipment and protective clothing that is necessary and undergo any required training.
Not Covered
Cover does not apply if you are:
1. taking part in activities at a professional level;
2. competing at international events as a national representative;
3. participating in hazardous activities or extreme pursuits other than as listed;
4. racing or participating in speed or time trials;
5. motorbike touring or where a motorbike is the main mode of transport;
6. base Jumping, cliff diving, martial arts competitions, mountaineering, potholing, caving (other than sightseeing/tourist attraction) motor sports, stunt flying/aerobatics;
7. taking part in expeditions to the Arctic or Antarctic;
8. taking part in dangerous expeditions or the crewing of a vessel more than 60 miles from a safe haven;
9. anything listed in the General Exclusions.

Page 38

Section Eighteen Winter Sports Extension
Covered
You are covered for:
A. Winter sports equipment
You are covered up to the sum insured shown on the Summary of Cover for the value or repair of your own winter sports equipment (after making proper allowance for wear and tear and depreciation) or hired winter sports equipment, if they are lost, stolen or damaged during your trip, limited to the single item limit for any one item. For winter sports equipment over 5 years old the maximum we will pay is £50.
Conditions
In the event of a claim you must provide the following documentation:
1. loss or theft: a report from police, resort management or tour operator; plus original receipt or proof of ownership and confirmation of second hand value from a specialist dealer;
2. damage: confirmation from a specialist dealer of the damage sustained and repair costs, or confirmation that damage is beyond economic repair, plus the second hand value prior to damage.
B. Winter sports hire
You are covered up to the sum insured shown on the Summary of Cover for the reasonable cost of hiring winter sports equipment for the rest of your trip or until your own or hired winter sports equipment has been returned to you, if:
1. your equipment is lost, stolen or damaged; or
2. your equipment is delayed for more than 12 hours on your outward journey.
Conditions
In the event of a claim you must provide the following documentation:
1. loss or theft: report from police, resort management or tour operator plus receipts showing original and additional hire charges;

2. damage: confirmation from the hire company of damage sustained and additional charges incurred;
3. delay: confirmation from the airline or transport company that your equipment was delayed for over 12 hours on the outward journey plus a receipt showing original and additional hire charges.
C. Winter sports pack
You are covered up to the sum insured shown on the Summary of Cover for the value of the unused portion of your ski school, resort pass, lift pass and winter sports equipment hire costs limited to £150 per week, if:
you have an accident or you are ill;
your lift pass is lost or stolen.
Conditions
In the event of a claim you must provide the following documentation:
1. accident or illness: medical report confirming the reason and length of time you were unable to undertake your planned activity plus the original lift pass and evidence of initial cost;
2. loss or theft: report from police or resort management plus evidence of initial cost and cost of replacement pass.
D. Piste closure
You are covered up to the sum insured shown on the Summary of Cover if during the period of your stay, on-piste skiing at the resort that you had prebooked is not available due to lack of snow or excessive snow or avalanche conditions, we will pay:
1. up to £15 per day towards transport costs to reach another resort or;
2. compensation of £25 per full day if skiing is unavailable due to the total closure of all onpiste skiing activity.

Page 39

Section Eighteen ­ Winter Sports Extension continued
Conditions
In the event of a claim you must provide documentation from the resort's management confirming how long the piste was closed at your resort and the reason.

Not Covered
1. The policy excess as shown on the Summary of Cover.
2. If you do not adhere to the International Ski Federation code or the resort regulations.
3. Anything not covered in Baggage and Personal Belongings Section (applicable to Part A & B above).
4. Anything listed in the General Exclusions.

Page 40

Section Nineteen European Collision
Damage Waiver

Covered
We will pay up to the amount shown on the Summary of Cover for:
1. the reimbursement of the accident damage or theft excess applied to your car hire insurance if the insured vehicle is damaged or involved in an accident during the rental period within the territorial limits of Europe and the United Kingdom;
2. the cost of replacing rental car keys if these are lost, stolen or damaged during the rental period, this includes where necessary the costs to replace locks or for a locksmith to break into the insured vehicle within the territorial limits of Europe and the United Kingdom.

Not Covered
1. Any claim where you have not followed the terms of your rental agreement.
2. For annual multi-trip policies any person aged under 21 years old at the start date of your policy, for all other policies any person aged under 21 years old at the date your policy was issued.
3. Any claim for damage caused as a result of theft of the insured vehicle unless a written police report is obtained.
4. Anything mentioned in the General Exclusions.
5. Any rentals outside of the territorial limits of Europe and the United Kingdom.

Page 41

Section Twenty Financial Failure
Protection

Covered
You are covered up to the limit as shown on the Summary of Cover for:
1. Irrecoverable sums paid in advance in the event of insolvency of the Travel or Accommodation provider not forming part of an inclusive holiday prior to departure.
2. In the event of insolvency after departure:
a) additional pro rata costs incurred by you in replacing that part of the travel arrangements to a similar standard to that originally booked;
b) if curtailment of the trip is unavoidable - the cost of return transportation to your home to a similar standard to that originally booked.
Condition
In the case of insolvency after departure as set out in 2a) and b) above where practicable you should obtain our approval prior to incurring the relevant costs.

Not Covered
We will not pay for:
1. Travel or Accommodation not booked prior to departure.
2. The Financial Failure of:
a) any Travel or Accommodation provider in Chapter 11 or any threat of insolvency being known at the date the policy is issued or date the booking is made (whichever is the later);
b) any Travel or Accommodation provider who is bonded or insured elsewhere (even if the bond is insufficient to meet the claim);
c) any travel agent, tour organiser, booking agent or consolidator with whom you have booked travel or accommodation.
3. Any loss for which a third party is liable or which can be recovered by other legal means.
NOTE: This section provides cover for the insolvency of any travel arrangements booked before departure, which do not form part of an inclusive holiday or are bonded or insured already.
These would include: Scheduled Airlines, Hotels, Car ferries, Villas abroad & cottages in the UK, Railway journeys including the Eurostar, Coach journeys, Car hire, Caravan sites, Campsites, Mobile homes, Camper rental, Safaris.

Page 42

Section Twenty-One Political Unrest and Natural
Catastrophe Expenses

Covered
You will be covered up to the limit as shown on the Summary of Cover for reasonable costs and expenses incurred as a result of the need to evacuate you from your destination whilst on a trip as a result of Political Unrest or Natural Catastrophe.

Not Covered
The Insured Person breaching the laws of the host country.
Emergency Contact Information:
Should you require emergency assistance whilst abroad in respect of Political Unrest or a Natural Catastrophe you can contact us by telephone, 24 hours a day, 7 days a week on: +44 (0)330 660 0785.

Page 43

Section Twenty-Two Golf Cover

This section does not apply to trips within the United Kingdom or their Country of Residence (if different) unless you have pre-booked paid accommodation for 2 nights or more.
Covered
A. Golf equipment hire
You are covered up to the limit as shown on the Summary of Cover for the reasonable cost of hiring golf equipment for the rest of your trip or until your own golf equipment has been returned to you if:
a) your golf equipment is lost, stolen or damaged; or
b) your golf equipment is delayed for at least 12 hours on your outward journey.
In the event of a claim you must provide the following documentation:
1. loss or theft: report from the police, resort management or tour operator and receipts showing additional hire charges;
2. damage: confirmation from the airline, transport company or hire company of damage sustained to your golf equipment and receipts showing the additional hire charges;
3. delay: confirmation from the airline or transport company that your golf equipment was delayed for over 12 hours on the outward journey and receipts showing the additional hire charges.
B. Green fees
You are covered up to the limit as shown on the Summary of Cover for the value of unused portion of your green fees if:
You have an accident or are ill; or
Your documents are lost or stolen which prevents you from playing golf.

Not Covered
1. If you do not adhere to the rules and regulations of the golf course you are booked to play.
2. Golf equipment whilst in use.
3. Golf equipment or documents that you have left unattended.
4. Anything listed in the General Exclusions.

Page 44

General Conditions

1. All claims must be submitted within 60 days from the date of your return to the United Kingdom.
2. Original receipts and/or proof of ownership and value must be supplied in the event of a claim.
3. You must take all reasonable steps to recover any lost or stolen article.
4. Damaged articles must be retained by you and if requested submitted to the Claims Handlers so as to substantiate a claim. Failure to do so may result in a claim being turned down.
5. If we require any medical certificates, information, evidence and receipts, these must be obtained by you at your expense.
6. In the event of a claim, if we require a medical examination you must agree to this. In the event of death, we are entitled to a post mortem examination. The post mortem would be at our expense.
7. You must not make any payment; admit liability, offer or promise to make any payment without written consent from us.

8. 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.
9. We may at any time pay to you our full liability under this insurance, after which no further payments will be made in any respect.
10. If at the time of making a claim there is any other insurance covering the same risk, we are entitled to contact that insurer for a contribution.
11. If a claim made by you or anyone acting on your behalf is fraudulent or exaggerated, whether ultimately material or not, or any false declaration or statement is made or a fraudulent device is used in support of a claim your claim will be rejected and your cover will be cancelled with effect from the date of such fraudulent or exaggerated claim or the date of such false declaration or statement or use of such fraudulent device in support of a claim. Any amounts already paid by us in respect of any fraudulent or exaggerated claim must be repaid to us. We may in these circumstances report the matter to the Police.

Page 45

General Exclusions

You are not covered for anything caused directly or indirectly by the following, unless you have contacted us and we have confirmed in writing that you will be covered:
1. you not answering to the best of your knowledge any question(s) we have asked you at the time of buying this policy, where your answer(s) may have affected our decision to provide you with this policy;
2. no cover is provided under any section of this policy in respect of travel to a destination which the Foreign & Commonwealth Office has advised against all or all but essential travel. Travel advice can be obtained from the Foreign & Commonwealth Office: Telephone: +44 (0)20 7008 1500 gov.uk/fco;
3. a set of circumstances which you knew about at the time the trip was booked unless you could not reasonably have expected such circumstances to result in a claim;
4. any criminal act by you;
5. failure to comply with the laws applicable to the country in which you are travelling;
6. bankruptcy/liquidation of a tour operator, travel agent or transportation company other than as specifically covered under Section Nineteen;
7. any other costs that are caused by the event which led to a claim, unless specifically stated in the policy;
8. any payment, which you would normally have made during your travels, if no claim had arisen;
9. any trip that is undertaken for the purpose of:
a) obtaining medical treatment (whatever the nature of this treatment);
b) against the advice of a medically qualified doctor;
c) after being given a terminal prognosis.
10. You drinking too much alcohol or alcohol abuse where it is reasonably foreseeable that such consumption could result in an impairment of your faculties and/or judgement resulting in a claim. We do not expect you to avoid drinking alcohol on your trip but we will not cover any claims arising because you have drunk so much alcohol that your judgement is seriously

affected and you need to make a claim as a result.
11. Suicide, deliberate self-injury, being under the influence of drugs (unless prescribed by a medical practitioner), alcoholism, drug addiction, solvent abuse, wilful exposure to exceptional risk (unless you are trying to save someone's life);
12. you climbing on top of, or jumping from a vehicle or jumping from a building or balcony, or sitting, planking, balconing, owling or lying on any external part of any building, or climbing or moving from any external part of any building to another (apart from stairs, ramps or walkways) and falling regardless of the height, unless your life is in danger or you are attempting to save human life;
13. pregnancy 12 weeks before and 12 weeks after the estimated date of delivery;
14. any claim arising from sexually transmitted diseases;
15. any injury, illness, death, loss, expenses or other liability attributable to HIV (Human Immunodeficiency Virus) and/or any HIV related illness and/or any mutant derivatives or variations thereof however caused;
16. the cost of any routine or elective (nonemergency) treatment or surgery, including specialist review or referral, exploratory tests which are not directly related to the illness or injury which necessitated your admittance to hospital;
17. any epidemic or pandemic;
18. loss or damage to any property and expense or legal liability, directly or indirectly caused by or contributed to or arising from:
a) Ionising radiation or radioactive contamination from any nuclear fuel or nuclear waste, which results in burning of nuclear fuel;
b) The radioactive toxic explosive or other dangerous properties of nuclear machinery or any part of it;
c) Pressure waves from aircraft and other flying objects travelling faster than the speed of sound.

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General Exclusions continued
19. any consequence whether direct or indirect of war, invasion, act of foreign enemy, hostilities (whether war be declared or not), discharge, explosion or use of a weapon of mass destruction whether or not employing nuclear fission or fusion, or chemical, biological, radioactive or similar agents, by any party at any time for any reason, terrorist activity (although terrorist activity does not apply to claims made under Section Three Emergency Medical Expenses and Section Five Personal Accident, providing the disturbances were not taking place at the start of the insured trip), civil war, rebellion, revolution, insurrection, blockade, military or usurped power;

20. air travel (other than as a fare-paying passenger on a regular scheduled airline or licensed charter aircraft);
21. any off-piste skiing except when you are skiing within the ski area boundaries of a recognised ski resort and following ski patrol guidelines;
22. We shall not provide any benefit under this contract of insurance to the extent of providing cover, payment of any claim or the provision of any benefit where doing so would breach any sanction, prohibition or restriction imposed by law or regulation.

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Comments & Complaints Procedure
We aim to provide a first class level of service at all times. If, for any reason, you feel that our service is not of the standard you would expect, please tell us. You should address any enquiries or complaints, in writing to:
Millstream Underwriting Limited 52-56 Leadenhall Street London EC3A 2BE or email mail@mstream.co.uk (quoting the policy number on your schedule)
If you are still dissatisfied, at this stage you may contact:
The Financial Ombudsman Service Exchange Tower, London E14 9SR
Please note that the Financial Ombudsman Service will not consider your complaint until you have received a final decision from Millstream Underwriting Limited. You can also raise a dispute about any of our online services via the Online Dispute Resolution platform at ec.europa.eu/odr

For complaints relating to Financial Failure Protection in the first instance please contact:
The Claims Manager IPP Claims Office IPP House 22-26 Station Road West Wickham Kent BR4 0PR
If you are not satisfied with our final response you can refer the matter to the Financial Ombudsman Service.

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Claims Procedures
All claims to be submitted within 60 days of the incident giving rise to the claim. First, check this wording to make sure your claim is valid:
Cancellation claims
The travel agent, tour operator, provider of transport or accommodation must be contacted immediately and you must obtain a cancellation invoice. The original tickets and booking forms/ receipts will also be required to support your claim. We will advise you of any other additional supporting documentation required (this will be dependent upon the reason for the cancellation).
Curtailment claims
If you are ill or injured, our authorisation must be obtained before you cut short your trip. All original ticket stubs/booking forms/receipts should be retained and submitted to support your claim. We will advise you of any additional supporting documentation required (this will be dependent upon the reason for the curtailment).
Medical claims
In-patient treatment or out-patient treatment expected to be over £1,000 if serious injury is incurred in which you are admitted to hospital abroad or require significant out-patient treatment. You will be given advice on what to do and the assistance you require. All original receipts for medical consultations/treatment/medication etc should be retained and submitted to support your claim.
OUT-PATIENT LESS THAN £1,000
In the following countries only: Spain, Greece, Cyprus, Egypt, Turkey and Portugal.
If you need out-patient medical treatment and the costs are likely to be less than £1,000 please provide a copy of your schedule to the doctor and your treatment will be paid by ChargeCare International in line with the policy wording. In such cases, the doctor will ask you to fill in a simple form to confirm the treatment and may request you pay

the policy excess. The doctor will then send the medical bill and supporting documentation to ChargeCare International for repayment.
Contact for ChargeCare International newcliniccase@chargecare.net
Out-patient less than £1,000
In all other countries not listed above.
We will advise you of any additional supporting documentation required (this will be dependent upon the circumstances and nature of the medical claim). All original receipts for medical consultations/treatment/medication etc should be retained and submitted to support your claim.
Personal Baggage claims
Written proof of the incident must be obtained from the police, the accommodation management, tour operator or carrier within 24 hours of discovery of the loss/theft. If the loss occurs during travel, you must obtain a property irregularity report from the carrier.
If personal baggage is delayed obtain a written report from the carrier (e.g. airline, shipping company etc) is required detailing the length and cause of the delay. Retain all the receipts which relate to any emergency replacement items you have purchased.
Money claims
Written proof of the incident must be obtained from the police, the accommodation management, tour operator or carrier within 24 hours of the discovery of the loss/theft. You may be asked to provide proof of the withdrawal of the money from the bank. Please remember that the loss of money must occur whilst it is carried on your person or whilst it is left in a locked safety deposit box.

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Travel disruption
Written confirmation must be obtained from the airline, shipping, coach or train company stating the period of the delay and the reason for the delay. Please remember that cover for travel delay is provided for specific reasons only:
 strike or industrial action (provided that when this policy was taken out and/or the trip was booked, there was no reasonable expectation that the trip would be affected by such cause);
 adverse weather conditions;
 the mechanical breakdown or technical fault of the aircraft, coach or sea vessel.
Missed departure claims
Written confirmation must be obtained from the Transport Company, police or roadside assistance service confirming the location, reason and duration of the delay.

Personal liability and legal expenses
Obtain as much information as possible, including police reports, witness details and any photographs. You must NOT admit liability at any time.
Financial failure protection claims
International Passenger Protection (IPP) claims only.
Any occurrence which may give rise to a claim should be advised as soon as reasonably practicable to the following by quoting your Policy Number, Travel Insurance Policy name and reference ESFI-VS-20:
IPP Claims at Sedgwick Oakleigh House 14-15 Park Place Cardiff CF10 3DQ, United Kingdom Telephone: +44 (0)345 266 1872 Email: insolvency-claims@ipplondon.co.uk Website: www.ipplondon.co.uk/claims.asp

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Data protection
Information about your policy may be shared between Millstream Underwriting Limited, AWP P&C SA. AWP Assistance UK Limited, International Passenger Protection Limited and certain underwriters at Lloyd's for underwriting purposes.
Please note that sensitive health and other information you provide may be used by us, our representatives and other insurers and industry governing bodies and regulators to process your insurance, handle claims and prevent fraud. This may involve transferring information to other countries (some of which may have limited or no data protection laws). We have taken steps to ensure that your information is held securely.
Information we hold will not be shared with third parties for marketing purposes. You have the right to access your personal records.
Governing law
Unless agreed otherwise, English law will apply and all communications and documentation in relation to this policy will be in English.
The Contracts (Rights of Thirds Parties) Act 1999 or any amendment thereto shall not apply to this Policy. Only the Insurer or you can enforce the terms of this Policy. No other party may benefit from this contract as of right. The Policy may be varied or cancelled without the consent of any third party.
Details about our regulator
This policy is underwritten by Millstream Underwriting Limited on behalf of AWP P&C SA. AWP Assistance UK Limited is the appointed administrator in the United Kingdom.
Millstream Underwriting Limited is authorised and regulated by the Financial Conduct Authority (FCA Firm reference number: 308584). Millstream Underwriting Limited. Registered in England and Wales No 3896220. Registered office: 52-56 Leadenhall Street, London EC3A 2BE
AWP Assistance UK Limited Registered in England. Registration No. 1710361. Registered office: AWP Assistance UK Ltd PO Box 74005 60 Gracechurch Street London EC3P 3DS

AWP Assistance UK Limited (FCA Firm reference number: 311909) is authorised and regulated by the Financial Conduct Authority. AWP P&C SA are duly authorised in France and the United Kingdom, and subject to limited regulation by the Prudential Regulation Authority and the Financial Conduct Authority.
Their registration can be checked with the Financial Conduct Authority by visiting fca.org.uk/ register or by contacting them on 0300 500 8082.
Millstream Underwriting Limited and AWP Assistance UK Limited will act as an agent for AWP P&C SA with respect to the receipt of customer money and for the purpose of settling claims and handling premium refunds.
Section Twenty of this travel insurance is underwritten by certain underwriters at Lloyd's and is administered by:
International Passenger Protection Limited IPP House 22-26 Station Road, West Wickham Kent BR4 0PR
International Passenger Protection Limited and the certain underwriters at Lloyd's are authorised and regulated by the Financial Conduct Authority. (FCA)
International Passenger Protection Limited will act as agent for the certain underwriters at Lloyd's with respect to the receipt of customer money and for the purpose of settling claims. On behalf of International Passenger Protection Limited, Millstream Underwriting Limited will act as agent for certain underwriters at Lloyds with respect to the receipt of customer money and handling of premium refunds.
Financial Services Compensation Scheme
In the event that the insurer is unable to pay a claim or meet their obligations, you may be entitled to compensation from the Financial Services Compensation Scheme. Information can be obtained on request, or by visiting the Financial Services Compensation Scheme website at fscs.org.uk

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PRIVATE CLIENTS
Geo Private Clients is a trading name of Geo Underwriting Services Limited, Registered in England No. 4070987. Registered Address: 2 Minster Court, Mincing Lane, London, EC3R 7PD. Authorised and regulated by the Financial Conduct Authority. FCA Register Number 308400
GPC/TR/07.20


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