24/7 Backpacker - Standard

Underwritten by:
This insurance is specially arranged by 24/7 travel insurance* with UK Underwriting Limited on behalf of:-
AXA Insurance UK plc,
Registered in England No.78950. Registered Office: 5 Old Broad Street, London, EC2N 1AD.
*24/7 travel insurance is a trading name of P J Hayman & Company Limited.
P J Hayman & Company Limited is an appointed representative of Crispin Speers & Partners Limited.
Crispin Speers & Partners Limited, UK Underwriting Limited and AXA Insurance UK plc are authorised and regulated by the Financial Services Authority. This can be checked on the FSA's register by visiting the FSA's website at www.fsa.gov.uk/register or by contacting them on 0845 606 1234.

SECTION 2: MEDICAL & EMERGENCY EXPENSES
Overall limit (per person)
Standard - £1,000,000
Premier - £5,000,000
What You are covered for
If You become unexpectedly ill or are injured outside Your Home country, We will pay up to the amount shown under the selected cover option, as specified in Your Schedule, in respect of:
A) reasonable and necessary emergency medical treatment Expenses, ambulance charges and similar costs, hospital fees and emergency dental treatment costs (up to £200 for the immediate relief of pain only),
additional accommodation (room only) and repatriation Expenses necessarily incurred and payable until such time as, when in the opinion of the doctor in attendance and Our medical advisers, You are fit to travel;
B) necessary travel and accommodation (room only) Expenses of one relative or friend, or a qualified nurse who in the opinion of the doctor in attendance and Our medical advisers is needed to accompany You, because of Your disability;
C) additional return Home Expenses necessarily incurred by You resulting from the death, sudden illness or injury of Your spouse or other Close Relative not travelling with You;
D) the transfer of Your body or ashes in the event of death, to Your Home (but excluding funeral and internment Expenses), or alternatively, to pay up to £3,500 towards the cost of burial or cremation Expenses in the country where death occurs.
What You are not covered for
1. Anything in the General Exclusions.
2. The Policy Excess.
3. In-patient treatment which has not been notified to and agreed by Us or Our Emergency Assistance provider.
4. Outpatient treatment and additional related Expenses over £300 unless they have been agreed by Us or Our Emergency Assistance provider.
5. Replenishing supplies of any medication You were using at the start of Your Trip.
6. Pregnancy or childbirth where the expected delivery date is within 14 weeks of the return date of Your Trip.
7. Charges levied either directly or indirectly for services received for in-patient treatment in Your Home country.
8. Any form of surgery and/or treatment which in the opinion of a medical practitioner could reasonably be delayed until Your return Home.
9. Loss/damage to false dentures, dental work involving use of precious metals, false limbs, hearing aids, contact lenses and prescription sunglasses.
10. Expenses incurred more than 12 months after the commencement date of the injury or illness.
11. Charges for private room accommodation.
12. Expenses incurred for in-patient treatment or private treatment not specifically authorised by Us or Our Emergency Assistance provider.
13. Ongoing treatment in existence at the time of travel which has not been agreed by Us in writing.
14. The cost of any elective treatment or surgery including exploratory tests, which are not directly related to the injury or illness which needed Your admittance into hospital.
15. Any Expenses or costs after the date that the treating doctor together with Our Emergency Assistance provider have deemed that You are fit to travel.
16. Any Expenses incurred as a result of a tropical disease where You have not taken the recommended inoculations.
17. Any Expenses incurred as a result of Your participation in Winter Sports activities unless the appropriate premium has been paid.
18. Any Expenses incurred as a result of You refusing to be repatriated when, in the opinion of Our medical advisors and the Doctors treating You, decide that You are fit to return Home. If You refuse to be repatriated all cover under the policy will cease

SECTION 7: PERSONAL ACCIDENT
Overall limit (per person)
Standard - £5,000
Premier - £10,000
What You are covered for
Up to the amount shown under the selected cover option, as specified in Your Schedule, for Your external accidental bodily injury, which independently of any other cause results in:
A) death, or
B) total and permanent loss of sight in one or both eyes or total loss by physical severance at or above the wrist or ankle or total and permanent loss of use of one or both hands, arms, legs or feet; or
C) permanent and total disablement from engaging in paid employment or paid occupations of any and every kind which has continued for 12 months from the date of injury and is without hope of improvement;
all occurring within 12 months of the event happening. The maximum amount of all benefits payable for one or more injuries sustained by You during the Period of Insurance shall not exceed the overall limit shown.
What You are not covered for
1. Anything in the General Exclusions.
2. More than £3,500 (£5,000 if Premier Cover is selected) death benefit when Your age is under 16 years.
3. Permanent total disablement benefit when You are no longer in full time employment.
4. The contracting of any disease, illness and/or medical condition.
5. The injection or ingestion of any substance.
6. Any event which directly or indirectly exacerbates a previously existing physical bodily injury.
7. Compensation shall not be payable under more than one of the above items A, B or C in respect of the same accident, and the payment under any one item shall terminate Our liability under this Section of the Policy.

SECTION 2: MEDICAL & EMERGENCY EXPENSES
Overall limit (per person)
Standard - £1,000,000
Premier - £5,000,000
What You are covered for
If You become unexpectedly ill or are injured outside Your Home country, We will pay up to the amount shown under the selected cover option, as specified in Your Schedule, in respect of:
A) reasonable and necessary emergency medical treatment Expenses, ambulance charges and similar costs, hospital fees and emergency dental treatment costs (up to £200 for the immediate relief of pain only),
additional accommodation (room only) and repatriation Expenses necessarily incurred and payable until such time as, when in the opinion of the doctor in attendance and Our medical advisers, You are fit to travel;

SECTION 2: MEDICAL & EMERGENCY EXPENSES
Overall limit (per person)
Standard - £1,000,000
Premier - £5,000,000
What You are covered for
If You become unexpectedly ill or are injured outside Your Home country, We will pay up to the amount shown under the selected cover option, as specified in Your Schedule, in respect of:
D) the transfer of Your body or ashes in the event of death, to Your Home (but excluding funeral and internment Expenses), or alternatively, to pay up to £3,500 towards the cost of burial or cremation Expenses in the country where death occurs.

SECTION 2: MEDICAL & EMERGENCY EXPENSES
Overall limit (per person)
Standard - £1,000,000
Premier - £5,000,000
What You are covered for
If You become unexpectedly ill or are injured outside Your Home country, We will pay up to the amount shown under the selected cover option, as specified in Your Schedule, in respect of:
D) the transfer of Your body or ashes in the event of death, to Your Home (but excluding funeral and internment Expenses), or alternatively, to pay up to £3,500 towards the cost of burial or cremation Expenses in the country where death occurs.

SECTION 12: WINTER SPORTS
A) SKI EQUIPMENT
    Standard Premier
Part A    £500  £500
Single items, pairs or sets - £300  £300
Hired Equipment  £150  £150
This Section is only applicable if You have selected this option and paid the appropriate additional premium.
What You are covered for
Up to the amount shown under the selected cover option, as specified in Your Schedule, in respect of:
A) loss or damage to Your own Ski Equipment taken with You or purchased on Your Trip but subject to the limits as set out above in respect of single items, pairs or sets and loss of hired Ski Equipment which is Your responsibility;
Basis of claims settlement - Ski Equipment
Claims will be assessed as a percentage of the original purchase price and the age of the Ski Equipment at the time of the loss as follows:
- Up to 1 year old - 90%
- Up to 2 years old - 80%
- Up to 3 years old - 60%
- Up to 4 years old - 40%
- Up to 5 years old - 30%
- Over 5 years old - 10%
What You are not covered for
1. Anything in the General Exclusions.
2. The Policy Excess in respect of Part A only.
3. Expenses that You would have incurred during the normal course of Your Trip.
4. Lack of snow or avalanche conditions known or public knowledge at the time the Trip was booked or when You purchased this insurance.
Part A
5. Ski Equipment stolen from Unattended motor vehicles unless between 6.00am and 11.00pm local time and it is in a locked ski-rack/ski-box on a motor vehicle where entry was gained by violent and forcible means.
6. Loss or theft in respect of which a written police report has not been obtained within 24 hours of discovery.
7. Any claim not supported by documentary evidence of value(s) and proof of ownership.
8. Loss of damage caused by normal wear and tear, moth, vermin, atmospheric conditions, gradual deterioration or electrical or mechanical breakdown.
9. Loss or damage arising from delay, confiscation or detention by customs or other authorities.
10. Property more specifically insured elsewhere.
11. Damaged skis not available for Our inspection.

SECTION 12: WINTER SPORTS
A) SKI EQUIPMENT
    Standard Premier
Part A    £500  £500
Single items, pairs or sets - £300  £300
Hired Equipment  £150  £150
This Section is only applicable if You have selected this option and paid the appropriate additional premium.
What You are covered for
Up to the amount shown under the selected cover option, as specified in Your Schedule, in respect of:
A) loss or damage to Your own Ski Equipment taken with You or purchased on Your Trip but subject to the limits as set out above in respect of single items, pairs or sets and loss of hired Ski Equipment which is Your responsibility;
Basis of claims settlement - Ski Equipment
Claims will be assessed as a percentage of the original purchase price and the age of the Ski Equipment at the time of the loss as follows:
- Up to 1 year old - 90%
- Up to 2 years old - 80%
- Up to 3 years old - 60%
- Up to 4 years old - 40%
- Up to 5 years old - 30%
- Over 5 years old - 10%
What You are not covered for
1. Anything in the General Exclusions.
2. The Policy Excess in respect of Part A only.
3. Expenses that You would have incurred during the normal course of Your Trip.
4. Lack of snow or avalanche conditions known or public knowledge at the time the Trip was booked or when You purchased this insurance.
Part A
5. Ski Equipment stolen from Unattended motor vehicles unless between 6.00am and 11.00pm local time and it is in a locked ski-rack/ski-box on a motor vehicle where entry was gained by violent and forcible means.
6. Loss or theft in respect of which a written police report has not been obtained within 24 hours of discovery.
7. Any claim not supported by documentary evidence of value(s) and proof of ownership.
8. Loss of damage caused by normal wear and tear, moth, vermin, atmospheric conditions, gradual deterioration or electrical or mechanical breakdown.
9. Loss or damage arising from delay, confiscation or detention by customs or other authorities.
10. Property more specifically insured elsewhere.
11. Damaged skis not available for Our inspection.

SECTION 12: WINTER SPORTS
A) SKI EQUIPMENT
    Standard Premier
Part A    £500  £500
Single items, pairs or sets - £300  £300
Hired Equipment  £150  £150
This Section is only applicable if You have selected this option and paid the appropriate additional premium.
What You are covered for
Up to the amount shown under the selected cover option, as specified in Your Schedule, in respect of:
A) loss or damage to Your own Ski Equipment taken with You or purchased on Your Trip but subject to the limits as set out above in respect of single items, pairs or sets and loss of hired Ski Equipment which is Your responsibility;
Basis of claims settlement - Ski Equipment
Claims will be assessed as a percentage of the original purchase price and the age of the Ski Equipment at the time of the loss as follows:
- Up to 1 year old - 90%
- Up to 2 years old - 80%
- Up to 3 years old - 60%
- Up to 4 years old - 40%
- Up to 5 years old - 30%
- Over 5 years old - 10%
What You are not covered for
1. Anything in the General Exclusions.
2. The Policy Excess in respect of Part A only.
3. Expenses that You would have incurred during the normal course of Your Trip.
4. Lack of snow or avalanche conditions known or public knowledge at the time the Trip was booked or when You purchased this insurance.
Part A
5. Ski Equipment stolen from Unattended motor vehicles unless between 6.00am and 11.00pm local time and it is in a locked ski-rack/ski-box on a motor vehicle where entry was gained by violent and forcible means.
6. Loss or theft in respect of which a written police report has not been obtained within 24 hours of discovery.
7. Any claim not supported by documentary evidence of value(s) and proof of ownership.
8. Loss of damage caused by normal wear and tear, moth, vermin, atmospheric conditions, gradual deterioration or electrical or mechanical breakdown.
9. Loss or damage arising from delay, confiscation or detention by customs or other authorities.
10. Property more specifically insured elsewhere.
11. Damaged skis not available for Our inspection

SECTION 12: WINTER SPORTS
B) LOSS OF SKI PACK
    Standard Premier
Part B    £250  £250
This Section is only applicable if You have selected this option and paid the appropriate additional premium.
What You are covered for
Up to the amount shown under the selected cover option, as specified in Your Schedule, in respect of:
B) a proportional refund following the loss of use of Your Ski Pack following Your injury or illness (as confirmed by Your treating doctor);
What You are not covered for
1. Anything in the General Exclusions.
2. The Policy Excess in respect of Part A only.
3. Expenses that You would have incurred during the normal course of Your Trip.
4. Lack of snow or avalanche conditions known or public knowledge at the time the Trip was booked or when You purchased this insurance.

SECTION 5: PERSONAL MONEY
& TRAVEL DOCUMENTS
Overall limit (per person)
Standard - not available
Premier - £500
Cash Limit
Standard - not available
Premier - £100
Part B
Standard - not available
Premier - £100
What You are covered for
Up to the amount shown under the selected cover option, as specified in Your Schedule, in respect of:
A) loss of Your Personal Money and Travel Documents (including passport);
B) reasonable additional travel and accommodation Expenses incurred necessarily abroad to obtain a replacement of Your lost or stolen passport.
Cover under Part A commences up to 2 days before Your Trip in respect of foreign currency and Travel Documents only.
What You are not covered for
1. Anything in the General Exclusions.
2. The Policy Excess other than in respect of Part B.
3. Any loss of Personal Money due to depreciation in value, currency changes or shortage caused by any error or omission.
4. Personal Money and passports carried in any Unattended suitcases, trunks or similar containers.
5. Unattended Personal Money and passports unless locked in a safe or safety deposit box or left in Your locked Trip accommodation.
6. Loss or theft of travellers cheques where the issuer provides a replacement service.
7. Loss or damage arising from delay, confiscation or detention by customs or other authorities.
8. Personal Money more specifically insured elsewhere.
9. Your failure to exercise reasonable care for the safety of Your property as if uninsured.
10. Claims where You do not obtain a written police report within 24 hours of the discovery of loss, burglary or theft of Personal Money or Travel Documents.

SECTION 12: WINTER SPORTS
D) PISTE CLOSURE (not UK)
    Standard  Premier
Part D    £200 (£20 per day) £200 (£20 per day)
This Section is only applicable if You have selected this option and paid the appropriate additional premium.
What You are covered for
Up to the amount shown under the selected cover option, as specified in Your Schedule, in respect of:
D) transportation costs per day to take You to an alternative skiing area in the event that ALL skiing facilities in Your pre-booked resort are closed due to lack of snow or avalanche (including risk of avalanche); or, if no other skiing area is available or accessible, We will pay the amount shown for each day that the resort is closed;
Note: this cover only applies outside of the United Kingdom and is only available under this section between 1st December to 30th April.
What You are not covered for
1. Anything in the General Exclusions.
2. The Policy Excess in respect of Part A only.
3. Expenses that You would have incurred during the normal course of Your Trip.
4. Lack of snow or avalanche conditions known or public knowledge at the time the Trip was booked or when You purchased this insurance.

SECTION 12: WINTER SPORTS
D) PISTE CLOSURE (not UK)
    Standard  Premier
Part D    £200 (£20 per day) £200 (£20 per day)
This Section is only applicable if You have selected this option and paid the appropriate additional premium.
What You are covered for
Up to the amount shown under the selected cover option, as specified in Your Schedule, in respect of:
D) transportation costs per day to take You to an alternative skiing area in the event that ALL skiing facilities in Your pre-booked resort are closed due to lack of snow or avalanche (including risk of avalanche); or, if no other skiing area is available or accessible, We will pay the amount shown for each day that the resort is closed;
Note: this cover only applies outside of the United Kingdom and is only available under this section between 1st December to 30th April.
What You are not covered for
1. Anything in the General Exclusions.
2. The Policy Excess in respect of Part A only.
3. Expenses that You would have incurred during the normal course of Your Trip.
4. Lack of snow or avalanche conditions known or public knowledge at the time the Trip was booked or when You purchased this insurance.

SECTION 12: WINTER SPORTS
D) PISTE CLOSURE (not UK)
    Standard  Premier
Part D    £200 (£20 per day) £200 (£20 per day)
This Section is only applicable if You have selected this option and paid the appropriate additional premium.
What You are covered for
Up to the amount shown under the selected cover option, as specified in Your Schedule, in respect of:
D) transportation costs per day to take You to an alternative skiing area in the event that ALL skiing facilities in Your pre-booked resort are closed due to lack of snow or avalanche (including risk of avalanche); or, if no other skiing area is available or accessible, We will pay the amount shown for each day that the resort is closed;
Note: this cover only applies outside of the United Kingdom and is only available under this section between 1st December to 30th April.
What You are not covered for
1. Anything in the General Exclusions.
2. The Policy Excess in respect of Part A only.
3. Expenses that You would have incurred during the normal course of Your Trip.
4. Lack of snow or avalanche conditions known or public knowledge at the time the Trip was booked or when You purchased this insurance.

SECTION 12: WINTER SPORTS
E) AVALANCHE/WEATHER DELAY
    Standard Premier
Part E    £500  £500
This Section is only applicable if You have selected this option and paid the appropriate additional premium.
What You are covered for
Up to the amount shown under the selected cover option, as specified in Your Schedule, in respect of:
E) additional travel and accommodation Expenses necessarily incurred in the event that the outward or return journey of Your Trip is delayed more than 12 hours as a direct result of an avalanche or severe weather
conditions.
What You are not covered for
1. Anything in the General Exclusions.
2. The Policy Excess in respect of Part A only.
3. Expenses that You would have incurred during the normal course of Your Trip.
4. Lack of snow or avalanche conditions known or public knowledge at the time the Trip was booked or when You purchased this insurance.

SECTION 12: WINTER SPORTS
C) DELAYED SKI EQUIPMENT
    Standard Premier
Part C    £150  £150
This Section is only applicable if You have selected this option and paid the appropriate additional premium.
What You are covered for
Up to the amount shown under the selected cover option, as specified in Your Schedule, in respect of:
C) the hire of essential items if Your own Ski Equipment is misplaced, or stolen on Your outward journey for over 12 hours from the time You arrive at Your Trip destination; or if it is lost or damaged during Your stay at the ski resort;
What You are not covered for
1. Anything in the General Exclusions.
2. The Policy Excess in respect of Part A only.
3. Expenses that You would have incurred during the normal course of Your Trip.
4. Lack of snow or avalanche conditions known or public knowledge at the time the Trip was booked or when You purchased this insurance.

Winter sports
Skiing in recognised areas (including off-piste provided You are not skiing against local recommendations or where avalanche warnings have been given), ice skating, mono skiing, sledging, snow boarding and tobogganing.

Period of Insurance
The trip duration is as shown in Your Schedule. Cover under the cancellation section of Your policy, starts from the date the policy is issued and ends at the start of Your Trip. The cover under all other sections of Your policy, starts at Your trip departure and ends on Your return home or expiry of the policy, whichever is first. During the period of insurance You are permitted to return home once. On entry to Your country of residence the cover will cease and will commence again upon Your departure. There will be no deferral of cover corresponding to the number of days at home.

SECTION 2: MEDICAL & EMERGENCY EXPENSES
Overall limit (per person)
Standard - £1,000,000
Premier - £5,000,000
What You are covered for
If You become unexpectedly ill or are injured outside Your Home country, We will pay up to the amount shown under the selected cover option, as specified in Your Schedule, in respect of:
A) reasonable and necessary emergency medical treatment Expenses, ambulance charges and similar costs, hospital fees and emergency dental treatment costs (up to £200 for the immediate relief of pain only),
additional accommodation (room only) and repatriation Expenses necessarily incurred and payable until such time as, when in the opinion of the doctor in attendance and Our medical advisers, You are fit to travel;

SECTION 1: CANCELLATION, LOSS OF DEPOSIT OR CURTAILMENT
Overall limit (per person)
Standard - £1,000
Premier - £2,000
What You are covered for
We will pay up to the amount shown under the selected cover option, as specified in Your Schedule, in respect of travel and accommodation costs which You have paid or are contracted to pay and which You cannot recover from any other source if Your Trip is necessarily and unavoidably cancelled or Curtailed as a result of any of the following events occurring:
1. The death, bodily injury or illness of:
a) You
b) any person with whom You are travelling or have arranged to travel with
c) any person with whom You have arranged to reside temporarily
d) any Close Relative residing in the United Kingdom
e) a Close Business Associate
2. Compulsory quarantine or jury service attendance solely as witness at a Court of Law of You, or persons with whom You are travelling or had arranged to travel with.
3. Redundancy (which qualifies for payment under current United Kingdom Redundancy payment legislation and at the time of booking the Trip there was no reason to believe anyone would be made redundant) of You any person with whom You are travelling or had arranged to travel with.
4. The withdrawal of leave for members of the Armed Forces, Police, Fire, Nursing or Ambulance Services or employees of a Government Department provided that such cancellation or Curtailment could not reasonably have been expected at the time of applying for insurance.
5. The Police requesting You to remain at or return to Your Home due to serious damage to Your Home caused by fire, aircraft, explosion, storm, flood, subsidence, malicious persons or theft.
What You are not covered for
1. Anything in the General Exclusions.
2. The Policy Excess other than in respect of Loss of Deposit claims where the excess is reduced to £30.
3. Cancellation charges in excess of those shown in the booking conditions of the travel or accommodation provider or surcharges levied increasing basic brochure prices.
4. Increased cancellation charges due to Your failure to notify the travel agent, tour operator or travel/accommodation provider immediately it is found necessary to cancel or Curtail Your Trip.
5. Circumstances that could reasonably have been anticipated at the time the Trip was booked or when You purchased this insurance.
6. Your financial circumstances (other than as a result of Redundancy for which You qualify for payments under current legislation) or Your disinclination to travel, for whatever cause.
7. Cancellation due to pregnancy or childbirth where the birth is expected before or within 14 weeks of the date of arrival Home, unless the pregnancy was confirmed after the date You booked Your Trip.
8. Curtailment due to pregnancy or childbirth where the birth is expected before or within 14 weeks of the date of arrival Home.
9. Curtailment claims where Our Emergency Service provider has not been contacted and authorisation obtained.
10. Government regulation or restriction.
11. Your loss of enjoyment of the Trip, however caused.
12. The omission or default of the provider of transport or accommodation or of an agent through whom the travel arrangements were made.
13. Failure to obtain the necessary passport, visa or permit required for Your journey.
14. Curtailment claims are limited to the lost proportion (each complete night) of Your accommodation costs, which You have not used following Curtailment of Your Trip for the reasons as stated above.
15. Failure to obtain the appropriate vaccinations.
16. Your disinclination to travel including phobia, anxiety, stress or depression.

SECTION 6: PERSONAL LIABILITY
Overall limit (per person)
Standard - £1,000,000
Premier - £2,000,000
What You are covered for
Up to the amount shown under the selected cover option, as specified in Your Schedule, in respect of:
1. Your legal liability to a third party arising during the period of the Trip as a result of:
a) accidental injury to any person;
b) accidental loss of or damage to property.
In addition We will also pay legal costs and Expenses incurred, with Our written consent, subject to Our liability not exceeding the overall limit shown above, for all damages and costs payable arising out of one event or series of events consequent upon the original cause.
What You are not covered for
1. Anything in the General Exclusions.
2. Bodily injury or disease to any person who, at the time of sustaining such injury, is engaged in Your service or to any member of Your Family or travelling companion.
3. Damage to property belonging to, or in Your care, custody or control, or a member of Your Family or travelling companion or person in Your service.
4. Any liability arising out of or incidental to any profession, occupation, or business.
5. Any liability which has been assumed under contract and would not otherwise have attached.
6. Any liability, injury, loss or damage arising directly or indirectly from or due to ownership, possession or use of any motorised or mechanical vehicles including any attached trailers or caravans, any aircraft (whatsoever), any watercraft or vessel (other than manually propelled watercraft or vessel) or any other form of motorised leisure equipment.
7. Any liability, injury, loss or damage arising directly or indirectly from or due to any animals belonging to You or in Your care, custody or control.
8. Any liability arising out of the ownership, occupation, possession, or use of any land or building (other than occupation only of any temporary residence).
9. Any liability, injury, loss or damage arising directly or indirectly from or due to ownership, possession or use of any firearms or weapons of any kind.
10. Any liability arising in respect of any wilful or criminal act or assault.
11. Any liability arising in any country in which You own premises, or are resident.

Acceptable Activities
Any sport or leisure activity listed below and then only when participating on an amateur basis:
Archery, badminton, ballooning (if organised in the UK prior to departure), baseball, basketball, beach games, BMX racing, bowls, bungee jumping, canoeing, catamaran sailing, clay pigeon shooting, cricket, cycling, deep sea fishing, dinghy sailing, fell walking, fencing, fishing, football, gokarting, golf, grass skiing, gymnastics, hockey, horse riding (up to 7 days), ice skating, jet boating, jet skiing, jogging, marathon running, motor cycling and quad biking (up to 125 c.c.), kayaking, lacrosse, netball, orienteering, outwardbound pursuits, paintballing, paragliding, parascending (over water), pony trekking, racquetball, rambling, river canoeing, roller skating, roller blading, rounders, rowing, running, safari (organised in the UK prior to departure), sail boarding, sailing (in coastal waters), sand boarding, scuba diving (maximum depth 30 metres), skateboarding, snorkelling, squash, surfing (under 14 days), swimming (leisure), tennis, track events, trekking/hiking (under 2, 000 metres altitude), volley ball, water polo, water skiing, white water rafting (grades 1-4), windsurfing, yachting (in coastal waters) and if the appropriate additional premium paid, Winter Sports (but excluding ski racing in major events, ski jumping, ski mountaineering, ice hockey, the use of bob sleighs or skeletons, ski touring, ski randonee (unless with a professional qualified guide) and off piste skiing whilst alone and/or against local authority warning or advice.

GENERAL EXCLUSIONS
These exclusions apply in addition to the exclusions that appear in each section of the Policy.
You are not covered for:
1) any loss or Expense where You have not followed the Claims Procedure;
2) any loss or Expense or any legal liability, injury, illness or death directly or indirectly due to, contributed to or caused by:
a) war, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, civil commotion assuming that portions of or amounting to an uprising, military or usurped power;
b) terrorist activity;
c) participation in any activity not covered under Acceptable Activities unless agreed by Us and for which the additional premium has been paid (if appropriate);
d) Your suicide, self-injury or any wilful act of self exposure to peril (except where it is to save human life);
e) You being under the influence of drugs (except those prescribed by Your registered doctor, but not when prescribed for the treatment of drug addiction);
f) Your abuse or prior abuse of solvents and alcohol;
g) delay, confiscation, detention, requisition, damage, destruction or any prohibitive regulations by Customs or other Government Officials or Authorities of any country;
h) ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel;
i) radioactive, toxic, explosive, or other hazardous properties of any explosive nuclear assembly or nuclear component thereof;
j) pressure waves caused by aircraft and other aerial devices travelling at sonic or super sonic speeds;
k) travelling to Countries where the British Foreign Office have advised against travel;
3) any consequential loss unless it is specified in the Policy;
4) any loss due to currency exchange of any and every kind;
5) any loss, injury, damage, death or legal liability arising directly or indirectly from, or consisting of, the failure, or fear of failure, of any equipment or any computer programme, whether or not You own it, to recognise or to correctly interpret or process any date as its true calendar date, or to continue to function correctly beyond that date;
this exclusion does not apply to Section 2 (Medical and Emergency Expenses) and Section 7 (Personal Accident) of this Policy;
6) You will not be covered
i. for any Trip where at the time of taking out this insurance:
- You are receiving or on a waiting list for inpatient treatment;
- You are travelling against medical advice or for the purpose of obtaining treatment;
- You are expected to give birth before or within 14 weeks of the date of arrival Home;
- You have received a terminal prognosis;
- You are under the care of a doctor or hospital specialist (other than for regular check ups);
- You are waiting medical tests or the results thereof;
- You have been treated as a hospital in-patient or been referred to a specialist consultant in the last year;
- if, within the last five years:
You have been treated for a breathing condition;
You have been treated for a heart-related condition (such as angina);
You have been treated for a malignant condition (e.g. cancer).
ii. You will not be covered if You travel against the advice of a doctor or where You would have been
if You had sought their advice before beginning Your Trip.
iii. You will not be covered if You know You will need medical treatment during Your Trip or You are traveling specifically to get medical treatment.

These exclusions apply in addition to the exclusions that
appear in each section of the Policy.
You are not covered for:
2) any loss or Expense or any legal liability, injury, illness or death directly or indirectly due to, contributed to or caused by:
a) war, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, civil commotion assuming that portions of or amounting to an uprising, military or usurped power;
b) terrorist activity;

These exclusions apply in addition to the exclusions that
appear in each section of the Policy.
You are not covered for:
2) any loss or Expense or any legal liability, injury, illness or death directly or indirectly due to, contributed to or caused by:
a) war, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, civil commotion assuming that portions of or amounting to an uprising, military or usurped power;
b) terrorist activity;

These exclusions apply in addition to the exclusions that appear in each section of the Policy.
You are not covered for:
5) any loss, injury, damage, death or legal liability arising directly or indirectly from, or consisting of, the failure, or fear of failure, of any equipment or any computer programme, whether or not You own it, to recognise or to correctly interpret or process any date as its true calendar date, or to continue to function correctly beyond that date;
this exclusion does not apply to Section 2 (Medical and Emergency Expenses) and Section 7 (Personal Accident) of this Policy;

CLAIMS PROCEDURE
You must comply with the following conditions to have the full protection of Your policy.
If You do not comply We may at Our option cancel the policy or refuse to deal with Your claim or reduce the amount of any claim payment.
1. Claims Notification
You must notify Us at the following address:
24/7 travel insurance Claims Department, Stansted House, Rowlands Castle, Hampshire PO9 6DX. Tel: 0845 260 1598 (Monday-Friday, 9.00am to 5.00pm) and quote 24/7 travel insurance (Backpacker Scheme).
The notification must be made within 31 days or as soon as possible thereafter following any bodily injury, illness, incident, event, redundancy or the discovery of any loss or damage which may give rise to a claim under this policy.
You must also inform Us if You are aware of any writ, summons or impending prosecution. Every communication relating to a claim must be sent to Us without delay. You or anyone acting on Your behalf must not negotiate admit or repudiate any claim without Our written consent.
You or Your legal representatives must supply at Your own Expense all information, evidence, details of household insurance and medical certificates as required by Us. We reserve the right to require You to undergo an independent medical examination at Our Expense. We may also request and will pay for a post-mortem examination.
You must retain any property which is damaged, and, if requested, send it to Us at Your own Expense. If We pay a claim for the full value of the property if it is subsequently recovered or there is any salvage then it will become Our property. We may refuse to reimburse You for any Expenses for which You cannot provide receipts or bills.
2. Subrogation
We are entitled to take over and conduct in Your name the defence and settlement of any legal action. We may also take proceedings at Our own Expense and for Our own benefit, but in Your name, to recover any payment We have made under this policy to anyone else.
3. Fraud
You must not act in a fraudulent manner If You or anyone acting for You
- Make a claim under the policy knowing the claim to be false or fraudulently exaggerated in any respect or
- Make a statement in support of a claim knowing the statement to be false in any respect or
- Submit a document in support of a claim knowing the document to be forged or false in any respect or
- Make a claim in respect of any loss or damage caused by Your wilful act or with Your connivance Then
- We shall not pay the claim
- We shall not pay any other claim which has been or will be made under the policy
- We may at Our option declare the policy void
- We shall be entitled to recover from You the amount of any claim already paid under the policy
- We shall not make any return of premium
- We may inform the police of the circumstances.
You must follow these instructions as failure to do so could prejudice Your claim.
Cancellation
Notify the travel agent/tour operator immediately You need to cancel, and obtain a Cancellation invoice. If You delay We will only pay for those costs that You would have had to pay on the date it would have been reasonable for You to cancel.
Curtailment/cutting short Your Trip
Contact Our Emergency Assistance provider to confirm that the reason for cutting short Your Trip will be covered and that Your expected additional Expenses are reasonable.
Damage to Personal Possessions and/or Ski Equipment during Your Trip
Retain the items in case We wish to see them (note: You may not abandon any property to Us or the Scheme Administrators). You will need to obtain an estimate for repair or a letter confirming that the damage is irreparable.
Delay of baggage/Ski Equipment in transit
Retain Your tickets/luggage tags and report the matter immediately to the carrier and obtain a Property Irregularity Report form or its equivalent. If Your personal baggage or Ski Equipment is delayed for more than 12 hours on Your outward journey and You need to buy or hire essential items, ensure that You keep all receipts.
Legal Expenses
Provide a detailed account of the circumstances surrounding the event (including photographs and video evidence if this applies) within 180 days of the event causing Your claim. You will also need to supply Us with any writ, summons or other correspondence received from any third party. You should not admit liability or offer to make any payment or correspond with any third party without Our written consent.
Details of any witness statements where available, should also be forwarded to us.
Loss of Personal Possessions, Ski Equipment, Money and Travel Documents during Your Trip
Notify the police as soon as possible (within 24 hours of discovery) and obtain a written report and reference number from them. Also report the loss to Your tour operators representative or hotel/ accommodation manager and if possible obtain a written report. You will be expected to provide proof of purchase/ownership and/or receipts or pre-loss valuations.
Medical emergency Expenses
Contact Our Emergency Assistance provider immediately if You are admitted as an in-patient (see page 16).
Personal accident
Obtain a certificate from the treating doctor or specialist. In the event of death, We will require sight of an original copy of the Death Certificate.
Personal liability
You must not admit responsibility to anyone or agree to pay for any damage, repair costs or compensation. You must keep a detailed written record and send it to Us with any correspondence received, unanswered.
Piste closure, Avalanche or Weather delay
Obtain written confirmation (giving full details of the time, dates etc.) from the Tour Operators local representative or resort authorities stating the circumstances.

GENERAL CONDITIONS
Our duty to You
We aim to provide a high standard of service and to meet any claims covered by this Policy fairly and promptly. Should there by any complaint We will investigate this at once and resolve the matter as quickly as possible.
Your duty to Us
1. to disclose all Material Facts to Us. Failure to do so may affect Your rights under this insurance. Following a change in Material Fact disclosed to Us by You during the
Period of Insurance, We reserve the right to amend or cancel Your Insurance, providing You with a pro-rata refund of premium. If You are in any doubt as to whether a fact is
'material', then for Your own protection it should be disclosed to Us;
2. to follow the Claims Procedure (see page 7) and to take all possible care to safeguard against Accident, injury, loss or damage as if You had no insurance cover and provide all necessary documentation to support any claim;
3. to give Us full details in writing of any incident which may result in a claim as soon as reasonably possible, but in any event within 31 days;
4. to pass on to Us immediately any writ, summons, legal process, or other communication in connection with the claim, unanswered;
5. to provide all necessary information and assistance We may require at Your own Expense (including where necessary medical certification and details of any Private Health Insurance You have);
6. not to admit liability for any event or offer to make payment without Our prior written consent;
7. recognising Our right to:
a) make Your Policy void where any claim is found to be false or fraudulent;
b) take over and deal with in Your name the defence or settlement of any claim made under this Policy;
c) take proceedings in Your name, but at Our Expense to recover for Our benefit the amount of any payment made under this Policy;
d) obtain information for Your medical records (with Your permission) for the purpose of dealing with any medical, cancellation or Curtailment claims (no personal medical information will be disclosed to any other person nor organisation without Your prior approval);
e) pay all claims under the Law of England and Wales (see notes on Governing Law on the front inside cover of this policy);
f) make payments to You or Your legal representatives;
g) only pay Our rateable proportion where there is other insurance covering the same event.
Both parties do not intend any term of this agreement to be enforceable pursuant to the Contracts (Rights of Third Parties) Act 1999.

Policy excess
This is £50 per person (£75 under Section 1 - Cancellation or Curtailment and Section 2 - Medical & Emergency Expenses).