AIG Direct Silver Cover

Section B2 - Medical and other expenses within the United Kingdom
Please note: No cover is provided under this section if you have arranged an Extended Stay policy.
What you are covered for
We will pay up to the amount shown in the table of benefits for the necessary and reasonable costs as a result of you becoming ill, being injured or dying during your trip. This includes:
1. The cost of your return home earlier than planned if this is medically necessary and the treating hospital doctor approves this.
2. If you cannot return home as you originally planned and the treating doctor approves this, we will pay for:
- Extra accommodation (room only) and travel expenses (of the same mode of transport and class of travel as that used by you on your outward trip) to allow you to return home;
and
- Extra accommodation (room only) for someone to stay with you and travel home with you if this is necessary due to medical advice; or
- Reasonable expenses for one relative or friend to travel from their home in the United Kingdom to stay with you (room only) and travel home with you if this is necessary due to medical advice.
3. Up to £1,000 for the cost of returning your body or ashes to your home town if you die during your trip.
Please note: If your trip is within the Channel Islands cover is also provided for emergency medical, surgical and hospital treatment but only if you do not reside in the Channel Islands.
What you are not covered for under section B2
1. The excess as shown in the table of benefits on page 36.
2. Any claim arising from a medical condition or an illness related to a medical condition which you knew about and which could reasonably be expected to lead to a claim.
Claims evidence required for sections B1 to B3
- Policy schedule
- Proof of travel (confirmation invoice, travel tickets)
- Invoices and receipts for your expenses
- An official letter from the treating doctor in the resort to confirm the additional expenses were medically necessary (for claims under section B2)
- Proof of your hospital admission and discharge dates and times (for claims under section B3)
Please note: This is not a full list and we may require other evidence to support your claim.

Section G - Personal accident
Please note: This section does not apply to trips taken within the United Kingdom.
What you are covered for
We will pay up to the amount shown in the table of benefits to you or your executors or administrators if you are involved in an accident during your trip which solely and independently of any other cause results in one or more of the following within 12 months of the date of the accident.
- Complete loss of limb (meaning permanent loss by physical separation at or above the wrist or ankle or permanent and total loss of use of a limb). A limb means an arm, hand, leg or foot.
- Loss of sight in one or both eyes (meaning physical loss of an eye or the loss of a substantial part of sight of an eye).
A substantial part means the degree of sight after the accident is 3/60 or less on the Snellen scale after correction with spectacles or contact lenses. (At 3/60 on the Snellen scale something can be seen at 3 foot which should be seen at 60 foot.)
- Permanent total disablement (meaning a disability which prevents you from working in any job which you are suitably qualified for and which lasts 12 months from the date of the accident and, at the end of those 12 months, is in our medical advisors opinion, not going to improve.)
- Death
Please note: We will only pay for one personal accident benefit for each insured person during the period of insurance shown on your policy schedule.
If you are under 18 years of age a reduced benefit of £5,000 will apply.
Claims evidence for section G
- Please phone AIG Travel Assist on 0845 603 4097 to ask for advice

Section B3 - Hospital benefit
Please note: This section does not apply to trips taken within the United Kingdom. No cover is provided under this section if you have arranged Silver cover or an Extended Stay policy.
What you are covered for
We will pay up to the amount shown in the table of benefits if, after an accident or illness that is covered under section B1 (Medical and other expenses outside of the United Kingdom) of this insurance, you go into hospital as an inpatient. We will pay a benefit of £10 for each complete 24-hour period that you are kept as an inpatient.
Please note: This benefit is only payable for the time that you are kept as an inpatient abroad and ceases if you go into hospital upon your return to the United Kingdom. This amount is meant to help you pay any extra expenses such as taxi fares and phone calls.
Claims evidence required for sections B1 to B3
- Policy schedule
- Proof of travel (confirmation invoice, travel tickets)
- Invoices and receipts for your expenses
- An official letter from the treating doctor in the resort to confirm the additional expenses were medically necessary (for claims under section B2)
- Proof of your hospital admission and discharge dates and times (for claims under section B3)
Please note: This is not a full list and we may require other evidence to support your claim.

Section B1 - Medical and other expenses outside of the United Kingdom
Please note: If you are admitted into hospital as an inpatient for more than 24 hours someone must contact the Medical Emergency Assistance Company on your behalf immediately (please see the medical and other emergencies section on page 6 for further details).
What you are covered for
We will pay up to the amount shown in the table of benefits for the necessary and reasonable costs as a result of you becoming ill, being injured or dying during your trip. This includes:
2. Up to £250 for emergency dental treatment as long as it is for the immediate relief of pain only.

Section B1 - Medical and other expenses outside of the United Kingdom
Please note: If you are admitted into hospital as an inpatient for more than 24 hours someone must contact the Medical Emergency Assistance Company on your behalf immediately (please see the medical and other emergencies section on page 6 for further details).
What you are covered for
We will pay up to the amount shown in the table of benefits for the necessary and reasonable costs as a result of you becoming ill, being injured or dying during your trip. This includes:
5. Up to £5,000 for the cost of returning your body or ashes to the United Kingdom or up to £2,000 for the cost of the funeral and burial expenses in the country in which you die if this is outside the United Kingdom.

Section B1 Medical and other expenses outside of the United Kingdom
Please note: If you are admitted into hospital as an inpatient for more than 24 hours someone must contact the Medical Emergency Assistance Company on your behalf immediately (please see the medical and other emergencies section on page 6 for further details).
What you are covered for
We will pay up to the amount shown in the table of benefits for the necessary and reasonable costs as a result of you becoming ill, being injured or dying during your trip. This includes:
5. Up to £5,000 for the cost of returning your body or ashes to the United Kingdom or up to £2,000 for the cost of the funeral and burial expenses in the country in which you die if this is outside the United Kingdom.

Section F3 - Personal money
Please note: By paying a reduced premium, cover under sections F1 and F3 can be deleted. No cover is provided under this section if you have arranged an Extended Stay policy.
What you are covered for
We will pay up to the amount shown in the table of benefits for the loss or theft of the following if you can provide evidence you owned them and evidence of their value (this would include receipts, bank statements or cash-withdrawal slips):
- Cash; and
- Travellers cheques (if these cannot be refunded by the provider)
Please note: The maximum amount we will pay for cash carried by one person, whether jointly owned or not, is the cash limit as shown in the table of benefits (or £50 for children under 18 years of age)
What you are not covered for under sections F1, F2, F3 and F4
1. The excess as shown in the table of benefits on pages 36 and 38 (this does not apply if you are claiming under section F2).
2. Property you leave unattended in a public place.
3. Any claim for loss or theft to personal belongings and baggage, personal money or passports and travel documents which you do not report to the police within 24 hours of discovering it and which you do not get a written police report for.
4. Any claim for loss, theft, damage or delay to personal belongings and baggage which you do not report to the relevant airline or transport company within 24 hours of discovering it and which you do not get a written report for. In the case of an airline, a property irregularity report will be required. If the loss, theft or damage to your property is only noticed after you have left the airport, you must contact the airline in writing with full details of the incident within seven days of leaving the airport and get a written report from them.
5. Any loss or theft of your passport which you do not report to the consular representative of your home country within 24 hours of discovering it and get a written report for.
6. Any loss, theft or damage to valuables which you do not carry in your hand luggage while you are travelling.
7. Money, passports and travel documents which you do not carry with you unless they are being held in locked safety deposit facilities.
8. Claims arising due to an unauthorised person fraudulently using your credit or debit cards.
9. Claims where you are unable to provide receipts or other reasonable proof of ownership wherever possible for the items being claimed.
10. Breakage of fragile objects or breakage of sports equipment while being used (unless your claim is for damage to winter sports equipment and the appropriate premium for winter sports has been paid).
11. Damage due to scratching or denting unless the item has become unusable as a result of this.
12. Shortages due to variations in exchange rates.
13. If your property is delayed or held as a result of Customs, the police or other officials legally holding it.
14. Loss of jewellery (other than wedding rings) while swimming or taking part in dangerous activities.
15. Losses caused by mechanical or electrical breakdown or damage caused by leaking powder or fluid carried within your baggage.
16. Loss, theft or damage to contact or corneal lenses, sunglasses, prescription glasses or spectacles, dentures, hearing aids, artificial limbs, paintings, household equipment, mobile phones, bicycles and their accessories, motor vehicles and their accessories, marine craft and equipment or items of a perishable nature (meaning items that can decay or rot and will not last for long, for example, food).
Claims evidence for sections F1 to F4
- Policy schedule
- Loss or theft to property or money - police report
- Loss, theft or damage by an airline - property irregularity report, flight tickets and baggage check tags
- Delay by an airline - written confirmation of the length of delay from the airline, flight tickets, baggage check tags, receipts for emergency purchases
- Loss or theft of a passport - police report, consular report, receipts for additional expenses to get a replacement passport overseas
- Proof of value and ownership for property and money
Please note: This is not a full list and we may require other evidence to support your claim.
Important information :
- You must act in a reasonable way as if uninsured to look after your property and not leave it unattended or unsecured in a public place
- You must carry valuables and money with you when you are travelling. When you are not travelling, keep your money and passport with you at all times or leave them in a locked safety deposit box
- You must report all losses, thefts or delays to the relevant authorities and obtain a written report from them within 24 hours of the incident
- You must provide AIG Travel Assist with all the documents they need to deal with your claim, including a police report, a property irregularity report, receipts for the items being claimed as applicable

Section I - Legal expenses
Please note: This section does not apply to trips taken within the United Kingdom.
What you are covered for
We will pay up to the amount shown in the table of benefits for legal costs and expenses arising as a result of dealing with claims for compensation and damages resulting from your death, illness or injury during your trip.
What you are not covered fo r
1. The excess as shown in the table of benefits on pages 37 and 38.
2. Any claim which we have not agreed to accept beforehand in writing.
3. Any claim where we or our legal representative believe that an action is not likely to be successful or if we believe that the costs of taking action will be greater than any award.
4. The costs of making any claim against us, AIG Direct Travel, our agents or representatives, or against any tour operator, accommodation provider, carrier or any person who you have travelled with or arranged to travel with.
5. Any fines, penalties or damages you have to pay.
6. The costs of following up a claim for bodily injury, loss or damage caused by or in connection with your trade, profession or business, under contract or arising out of you possessing, using or living on any land or in any buildings.
7. Any claims arising out of you owning, possessing or using mechanically-propelled vehicles, watercraft or aircraft of any description, animals, firearms or weapons.
8. Any claim reported more than 180 days after the incident took place.
Important information:
- We will have complete control over any legal representatives appointed and any proceedings
- You must follow our advice or that of our agents in handling any claim
- You must get back all of our expenses where possible. You must pay us any expenses you do get back
Claims advice for section I
- Please phone AIG Travel Assist on 0845 603 4097 to ask for advice as soon as you need to make a claim.

Section F4 Passport and travel documents
What you are covered for
We will pay up to the amount shown in the table of benefits for the cost of replacing the following items belonging to you if they are lost, stolen or damaged during your trip:
- Passport;
- Travel and admission tickets; and
- Visas
Please note: The cost of replacing your passport includes the necessary and reasonable costs you pay overseas associated with getting a replacement passport to allow you to return back to the United Kingdom (this would include travel costs to the local Embassy as well as the cost of the emergency passport itself). A claim for the lost or stolen passport would be calculated according to its expiry date depending upon how many years there were left to run on the original passport, an unused pro-rata refund would be made of its original value.
What you are not covered for under sections F1, F2, F3 and F4
1. The excess as shown in the table of benefits on pages 36 and 38 (this does not apply if you are claiming under section F2).
2. Property you leave unattended in a public place.
3. Any claim for loss or theft to personal belongings and baggage, personal money or passports and travel documents which you do not report to the police within 24 hours of discovering it and which you do not get a written police report for.
4. Any claim for loss, theft, damage or delay to personal belongings and baggage which you do not report to the relevant airline or transport company within 24 hours of discovering it and which you do not get a written report for. In the case of an airline, a property irregularity report will be required. If the loss, theft or damage to your property is only noticed after you have left the airport, you must contact the airline in writing with full details of the incident within seven days of leaving the airport and get a written report from them.
5. Any loss or theft of your passport which you do not report to the consular representative of your home country within 24 hours of discovering it and get a written report for.
6. Any loss, theft or damage to valuables which you do not carry in your hand luggage while you are travelling.
7. Money, passports and travel documents which you do not carry with you unless they are being held in locked safety deposit facilities.
8. Claims arising due to an unauthorised person fraudulently using your credit or debit cards.
9. Claims where you are unable to provide receipts or other reasonable proof of ownership wherever possible for the items being claimed.
10. Breakage of fragile objects or breakage of sports equipment while being used (unless your claim is for damage to winter sports equipment and the appropriate premium for winter sports has been paid).
11. Damage due to scratching or denting unless the item has become unusable as a result of this.
12. Shortages due to variations in exchange rates.
13. If your property is delayed or held as a result of Customs, the police or other officials legally holding it.
14. Loss of jewellery (other than wedding rings) while swimming or taking part in dangerous activities.
15. Losses caused by mechanical or electrical breakdown or damage caused by leaking powder or fluid carried within your baggage.
16. Loss, theft or damage to contact or corneal lenses, sunglasses, prescription glasses or spectacles, dentures, hearing aids, artificial limbs, paintings, household equipment, mobile phones, bicycles and their accessories, motor vehicles and their accessories, marine craft and equipment or items of a perishable nature (meaning items that can decay or rot and will not last for long, for example, food).
Claims evidence for sections F1 to F4
- Policy schedule
- Loss or theft to property or money police report
- Loss, theft or damage by an airline property irregularity report, flight tickets and baggage check tags
- Delay by an airline written confirmation of the length of delay from the airline, flight tickets, baggage check tags, receipts for emergency purchases
- Loss or theft of a passport police report, consular report, receipts for additional expenses to get a replacement passport overseas
- Proof of value and ownership for property and money
Please note: This is not a full list and we may require other evidence to support your claim.
Important information:
You must act in a reasonable way as if uninsured to look after your property and not leave it unattended or unsecured in a public place
You must carry valuables and money with you when you are travelling. When you are not travelling, keep your money and passport with you at all times or leave them in a locked safety deposit box
You must report all losses, thefts or delays to the relevant authorities and obtain a written report from them within 24 hours of the incident
You must provide AIG Travel Assist with all the documents they need to deal with your claim, including a police report, a property irregularity report, receipts for the items being claimed as applicable

Winter sports cover
Please note: The following sections only apply if you have paid the appropriate premium for winter sports cover (if you have arranged an Annual Multi-Trip policy cover is provided for up to 17 days within the period of insurance) and this is shown on your policy schedule. Definitions relating to winter sports cover
Winter sports
Bigfoot skiing, cat skiing or boarding, cross country skiing, glacier skiing, glacier walking (up to 4,000 metres), heli-skiing, ice hockey, ice skating, kite snowboarding, langlauf, mono skiing, off piste skiing or snowboarding (except in areas considered to be unsafe by resort management), skiing, ski mountaineering, ski randonee, ski touring, snowboarding, speed skating and tobogganing.
Winter sports equipment
Skis, poles, ski boots and bindings, ski helmets, snowboards, snowboard boots and bindings.
Section O1 - Winter sports equipment
What you are covered for
We will pay up to the amount shown in the table of benefits for winter sports equipment owned or hired by you which is lost, stolen or damaged during your trip.
Please note:
- An allowance will be made for wear, tear and loss of value on claims made for winter sports equipment owned by you as follows.
Up to 12 months old - 90% of the purchase price
Up to 24 months old - 70% of the purchase price
Up to 36 months old - 50% of the purchase price
Up to 48 months old - 30% of the purchase price
Up to 60 months old - 20% of the purchase price
Over 60 months old - 0%
- The maximum amount we will pay for any one item, pair or set of items is shown in the table of benefits. Please refer to the definition of pair or set of items on page 8.
- You must bring any damaged winter sports equipment you own back to the United Kingdom for inspection.
What you are not covered for under sections O1 and O2
1. The excess as shown in the table of benefits on page 37 (this does not apply if you are claiming under section O2).
2. Any claim for loss or theft which you do not report to the police within 24 hours of discovering it and which you do not get a written police report for.
3. Any claim for loss, theft, damage or delay to winter sports equipment which you do not report to the relevant airline or transport company within 24 hours of discovering it and which you do not get a written report for. In the case of an airline, a property irregularity report will be required. If the loss, theft or damage to your winter sports equipment is only noticed after you have left the airport, you must contact the airline in writing with full details of the incident within seven days of leaving the airport and get a written report from them.
4. Winter sports equipment you have left unattended in a public place unless the claim relates to skis, poles or snowboards and you have taken all reasonable care to protect them by leaving them in a ski rack between 8am and 6pm.
5. Claims where you are unable to provide receipts or other reasonable proof of ownership wherever possible for the items being claimed.
Claims evidence required for sections O1 and O2
- Policy schedule
- Loss or theft - police report
- Loss, theft or damage by an airline - property irregularity report, flight tickets and baggage check tags
- Delay by an airline - written confirmation of the length of delay from the airline, flight tickets, baggage check tags, receipts for the hire of winter sports equipment
- Proof of value and ownership
Please note: This is not a full list and we may require other evidence to support your claim.

Winter sports equipment
Skis, poles, ski boots and bindings, ski helmets, snowboards, snowboard boots and bindings.
Section O1 - Winter sports equipment
What you are covered for
We will pay up to the amount shown in the table of benefits for winter sports equipment owned or hired by you which is lost, stolen or damaged during your trip.
Please note:
- An allowance will be made for wear, tear and loss of value on claims made for winter sports equipment owned by you as follows.
Up to 12 months old - 90% of the purchase price
Up to 24 months old - 70% of the purchase price
Up to 36 months old - 50% of the purchase price
Up to 48 months old - 30% of the purchase price
Up to 60 months old - 20% of the purchase price
Over 60 months old - 0%
- The maximum amount we will pay for any one item, pair or set of items is shown in the table of benefits. Please refer to the definition of pair or set of items on page 8.
- You must bring any damaged winter sports equipment you own back to the United Kingdom for inspection.

Section O2 - Winter sports equipment hire
What you are covered for
We will pay up to the amount shown in the table of benefits for the cost of hiring winter sports equipment for each complete 24-hour period if winter sports equipment owned by you is:
- delayed in reaching you on your outward international journey for more than 12 hours; or
- lost, stolen or damaged during your trip
Please note: You must keep all receipts for the winter sports equipment that you hire. You must bring any damaged winter sports equipment back to the United Kingdom for inspection.

Section P - Ski pack
What you are covered for
We will pay up to the amount shown in the table of benefits for the unused percentage of your ski pack which you have already paid for and cannot get back if you become ill or are injured during your trip and cannot take part in the winter sports activities as planned. A ski pack includes ski school fees or ski tuition fees, your lift pass and winter sports equipment that you have hired.
Please note: Your claim will be based on the number of complete days you have not used. You must get written confirmation of the nature of your illness or injury from the treating doctor in the resort along with confirmation of how many days you were unable to ski.
Claims evidence required for section P
- Policy schedule
- Proof of travel (confirmation invoice, travel tickets)
- Invoices and receipts for your prepaid ski pack
- An official letter from the treating doctor in the resort to confirm your inability to take part in the planned winter sports activities
Please note: This is not a full list and we may require other evidence to support your claim.

Section O3 - Lift pass
What you are covered for
We will pay up to the amount shown in the table of benefits for the loss or theft of your lift
pass. Claims would be calculated according to the expiry date of the lift pass depending upon
how many days there were left to run on the original lift pass, an unused pro-rata refund would
be made of its original value.
What you are not covered for under sections O1, O2 and O3
1. The excess as shown in the table of benefits on page 37 (this does not apply if you are
claiming under section O2).
2. Any claim for loss or theft which you do not report to the police within 24 hours of
discovering it and which you do not get a written police report for.
3. Any claim for loss, theft, damage or delay to winter sports equipment which you do not
report to the relevant airline or transport company within 24 hours of discovering it and which
you do not get a written report for. In the case of an airline, a property irregularity report will
be required. If the loss, theft or damage to your winter sports equipment is only noticed after
you have left the airport, you must contact the airline in writing with full details of the incident
within seven days of leaving the airport and get a written report from them.
4. Winter sports equipment you have left unattended in a public place unless the claim relates
to skis, poles or snowboards and you have taken all reasonable care to protect them by
leaving them in a ski rack between 8am and 6pm.
5. Claims where you are unable to provide receipts or other reasonable proof of ownership
wherever possible for the items being claimed.

Section Q - Piste closure
Please note: This section only applies between 1 December and 15 April for travel to the Northern hemisphere or between 1 May and 30 September for travel to the Southern hemisphere.
What you are covered for
We will pay up to the amount shown in the table of benefits if, as a result of not enough snow, too much snow or high winds in your booked holiday resort, all lift systems are closed for more than 12 hours. We will pay for either:
- the cost of transport to the nearest resort; or
- a benefit for each complete 24-hour period that you are not able to ski and there is no other ski resort available
Please note: You must get written confirmation from the management of the resort stating the reason for the closure and how long the closure lasted.
Claims evidence required for section Q
- Policy schedule
- Proof of travel (confirmation invoice, flight tickets)
- An official letter confirming the cause and length of the closure
- Receipts for your travel expenses if you travel to the nearest resort
Please note: This is not a full list and we may require other evidence to support your claim.

Section Q - Piste closure
Please note: This section only applies between 1 December and 15 April for travel to the Northern hemisphere or between 1 May and 30 September for travel to the Southern hemisphere.
What you are covered for
We will pay up to the amount shown in the table of benefits if, as a result of not enough snow, too much snow or high winds in your booked holiday resort, all lift systems are closed for more than 12 hours. We will pay for either:
- the cost of transport to the nearest resort; or
- a benefit for each complete 24-hour period that you are not able to ski and there is no other ski resort available
Please note: You must get written confirmation from the management of the resort stating the reason for the closure and how long the closure lasted.
Claims evidence required for section Q
- Policy schedule
- Proof of travel (confirmation invoice, flight tickets)
- An official letter confirming the cause and length of the closure
- Receipts for your travel expenses if you travel to the nearest resort
Please note: This is not a full list and we may require other evidence to support your claim.

Section Q - Piste closure
Please note: This section only applies between 1 December and 15 April for travel to the Northern hemisphere or between 1 May and 30 September for travel to the Southern hemisphere.
What you are covered for
We will pay up to the amount shown in the table of benefits if, as a result of not enough snow, too much snow or high winds in your booked holiday resort, all lift systems are closed for more than 12 hours. We will pay for either:
- the cost of transport to the nearest resort; or
- a benefit for each complete 24-hour period that you are not able to ski and there is no other ski resort available
Please note: You must get written confirmation from the management of the resort stating the reason for the closure and how long the closure lasted.
Claims evidence required for section Q
- Policy schedule
- Proof of travel (confirmation invoice, flight tickets)
- An official letter confirming the cause and length of the closure
- Receipts for your travel expenses if you travel to the nearest resort
Please note: This is not a full list and we may require other evidence to support your claim.

Section R - Avalanche cover
What you are covered for
We will pay up to the amount shown in the table of benefits for the necessary and reasonable travel and accommodation expenses that you pay or agree to pay overseas if you are prevented from arriving at or leaving your booked ski resort for more than 12 hours from the scheduled arrival or departure time because of an avalanche. Please note: You must get written confirmation from the appropriate authority stating the reason for the delay and how long the delay lasted.
What you are not covered for
1. The excess as shown in the table of benefits on page 37.
Claims evidence required for section R
- Policy schedule
- Proof of travel (confirmation invoice, flight tickets)
- An official letter confirming the cause and length of the delay
- Invoices and receipts for your extra travel and accommodation expenses
Please note: This is not a full list and we may require other evidence to support your claim.

Section O2 - Winter sports equipment hire
What you are covered for
We will pay up to the amount shown in the table of benefits for the cost of hiring winter sports equipment for each complete 24-hour period if winter sports equipment owned by you is:
- delayed in reaching you on your outward international journey for more than 12 hours; or
- lost, stolen or damaged during your trip
Please note: You must keep all receipts for the winter sports equipment that you hire. You must bring any damaged winter sports equipment back to the United Kingdom for inspection.
What you are not covered for under sections O1 and O2
1. The excess as shown in the table of benefits on page 37 (this does not apply if you are claiming under section O2).
2. Any claim for loss or theft which you do not report to the police within 24 hours of discovering it and which you do not get a written police report for.
3. Any claim for loss, theft, damage or delay to winter sports equipment which you do not report to the relevant airline or transport company within 24 hours of discovering it and which you do not get a written report for. In the case of an airline, a property irregularity report will be required. If the loss, theft or damage to your winter sports equipment is only noticed after you have left the airport, you must contact the airline in writing with full details of the incident within seven days of leaving the airport and get a written report from them.
4. Winter sports equipment you have left unattended in a public place unless the claim relates to skis, poles or snowboards and you have taken all reasonable care to protect them by leaving them in a ski rack between 8am and 6pm.
5. Claims where you are unable to provide receipts or other reasonable proof of ownership wherever possible for the items being claimed.
Claims evidence required for sections O1 and O2
- Policy schedule
- Loss or theft - police report
- Loss, theft or damage by an airline - property irregularity report, flight tickets and baggage check tags
- Delay by an airline - written confirmation of the length of delay from the airline, flight tickets, baggage check tags, receipts for the hire of winter sports equipment
- Proof of value and ownership
Please note: This is not a full list and we may require other evidence to support your claim.

Section O2 - Winter sports equipment hire
What you are covered for
We will pay up to the amount shown in the table of benefits for the cost of hiring winter sports equipment for each complete 24-hour period if winter sports equipment owned by you is:
- delayed in reaching you on your outward international journey for more than 12 hours; or
- lost, stolen or damaged during your trip
Please note: You must keep all receipts for the winter sports equipment that you hire. You must bring any damaged winter sports equipment back to the United Kingdom for inspection.
What you are not covered for under sections O1 and O2
1. The excess as shown in the table of benefits on page 37 (this does not apply if you are claiming under section O2).
2. Any claim for loss or theft which you do not report to the police within 24 hours of discovering it and which you do not get a written police report for.
3. Any claim for loss, theft, damage or delay to winter sports equipment which you do not report to the relevant airline or transport company within 24 hours of discovering it and which you do not get a written report for. In the case of an airline, a property irregularity report will be required. If the loss, theft or damage to your winter sports equipment is only noticed after you have left the airport, you must contact the airline in writing with full details of the incident within seven days of leaving the airport and get a written report from them.
4. Winter sports equipment you have left unattended in a public place unless the claim relates to skis, poles or snowboards and you have taken all reasonable care to protect them by leaving them in a ski rack between 8am and 6pm.
5. Claims where you are unable to provide receipts or other reasonable proof of ownership wherever possible for the items being claimed.
Claims evidence required for sections O1 and O2
- Policy schedule
- Loss or theft - police report
- Loss, theft or damage by an airline - property irregularity report, flight tickets and baggage check tags
- Delay by an airline - written confirmation of the length of delay from the airline, flight tickets, baggage check tags, receipts for the hire of winter sports equipment
- Proof of value and ownership
Please note: This is not a full list and we may require other evidence to support your claim.

Definitions relating to winter sports cover
Winter sports
Bigfoot skiing, cat skiing or boarding, cross country skiing, glacier skiing, glacier walking (up to 4,000 metres), heli-skiing, ice hockey, ice skating, kite snowboarding, langlauf, mono skiing, off piste skiing or snowboarding (except in areas considered to be unsafe by resort management), skiing, ski mountaineering, ski randonee, ski touring, snowboarding, speed skating and tobogganing.

Section F1 - Personal belongings and baggage
Please note: By paying a reduced premium, cover under sections F1 and F3 can be deleted.
What you are covered for
We will pay for items which are usually carried or worn by travellers for their individual use during a trip. We will pay up to the amount shown in the table of benefits for items owned (not borrowed or rented) by you which are lost, stolen or damaged during your trip.
Please note:
- Payment will be based on the value of the property at the time it was lost, stolen or damaged. An allowance may need to be made for wear, tear and loss of value depending on the age of the property.
- The maximum amount we will pay for any one item, pair or set of items is shown in the table of benefits. Please refer to the definition of pair or set of items on page 8.
- The maximum amount we will pay for valuables in total is shown in the table of benefits. Please refer to the definition of valuables on page 8.
- The maximum we will pay for property which is lost or stolen from an unattended motor vehicle is £100 for each insured person as long as the property was kept in a locked boot, a locked and covered luggage compartment or a locked glove compartment and there is evidence of forced and violent entry to the vehicle.
Section F2 - Delayed baggage
Please note: No cover is provided under this section if you have arranged an Extended Stay policy.
What you are covered for
We will pay up to the amount shown in the table of benefits for buying essential items if your baggage is delayed in reaching you on your outward international journey for more than 12 hours. Please note: You must get written confirmation of the length of the delay from the appropriate airline or transport company and you must keep all receipts for the essential items you buy. If your baggage is permanently lost we will take any payment we make for delayed baggage from your overall claim for baggage.
What you are not covered for under sections F1, F2, F3 and F4
1. The excess as shown in the table of benefits on pages 36 and 38 (this does not apply if you are claiming under section F2).
2. Property you leave unattended in a public place.
3. Any claim for loss or theft to personal belongings and baggage, personal money or passports and travel documents which you do not report to the police within 24 hours of discovering it and which you do not get a written police report for.
4. Any claim for loss, theft, damage or delay to personal belongings and baggage which you do not report to the relevant airline or transport company within 24 hours of discovering it and which you do not get a written report for. In the case of an airline, a property irregularity report will be required. If the loss, theft or damage to your property is only noticed after you have left the airport, you must contact the airline in writing with full details of the incident within seven days of leaving the airport and get a written report from them.
5. Any loss or theft of your passport which you do not report to the consular representative of your home country within 24 hours of discovering it and get a written report for.
6. Any loss, theft or damage to valuables which you do not carry in your hand luggage while you are travelling.
7. Money, passports and travel documents which you do not carry with you unless they are being held in locked safety deposit facilities.
8. Claims arising due to an unauthorised person fraudulently using your credit or debit cards.
9. Claims where you are unable to provide receipts or other reasonable proof of ownership wherever possible for the items being claimed.
10. Breakage of fragile objects or breakage of sports equipment while being used (unless your claim is for damage to winter sports equipment and the appropriate premium for winter sports has been paid).
11. Damage due to scratching or denting unless the item has become unusable as a result of this.
12. Shortages due to variations in exchange rates.
13. If your property is delayed or held as a result of Customs, the police or other officials legally holding it.
14. Loss of jewellery (other than wedding rings) while swimming or taking part in dangerous activities.
15. Losses caused by mechanical or electrical breakdown or damage caused by leaking powder or fluid carried within your baggage.
16. Loss, theft or damage to contact or corneal lenses, sunglasses, prescription glasses or spectacles, dentures, hearing aids, artificial limbs, paintings, household equipment, mobile phones, bicycles and their accessories, motor vehicles and their accessories, marine craft and equipment or items of a perishable nature (meaning items that can decay or rot and will not last for long, for example, food) .
Claims evidence for sections F1 to F4
- Policy schedule
- Loss or theft to property or money - police report
- Loss, theft or damage by an airline - property irregularity report, flight tickets and baggage check tags
- Delay by an airline - written confirmation of the length of delay from the airline, flight tickets, baggage check tags, receipts for emergency purchases
- Loss or theft of a passport - police report, consular report, receipts for additional expenses to get a replacement passport overseas
- Proof of value and ownership for property and money
Please note: This is not a full list and we may require other evidence to support your claim.
Important information:
- You must act in a reasonable way as if uninsured to look after your property and not leave it unattended or unsecured in a public place
- You must carry valuables and money with you when you are travelling. When you are not travelling, keep your money and passport with you at all times or leave them in a locked safety deposit box
- You must report all losses, thefts or delays to the relevant authorities and obtain a written report from them within 24 hours of the incident
- You must provide AIG Travel Assist with all the documents they need to deal with your claim, including a police report, a property irregularity report, receipts for the items being claimed as applicable.

Section F1 - Personal belongings and baggage
Please note: By paying a reduced premium, cover under sections F1 and F3 can be deleted.
What you are covered for
We will pay for items which are usually carried or worn by travellers for their individual use during a trip. We will pay up to the amount shown in the table of benefits for items owned (not borrowed or rented) by you which are lost, stolen or damaged during your trip.
Please note:
- Payment will be based on the value of the property at the time it was lost, stolen or damaged. An allowance may need to be made for wear, tear and loss of value depending on the age of the property.
- The maximum amount we will pay for any one item, pair or set of items is shown in the table of benefits. Please refer to the definition of pair or set of items on page 8.
- The maximum amount we will pay for valuables in total is shown in the table of benefits. Please refer to the definition of valuables on page 8.
- The maximum we will pay for property which is lost or stolen from an unattended motor vehicle is £100 for each insured person as long as the property was kept in a locked boot, a locked and covered luggage compartment or a locked glove compartment and there is evidence of forced and violent entry to the vehicle.
Section F2 - Delayed baggage
Please note: No cover is provided under this section if you have arranged an Extended Stay policy.
What you are covered for
We will pay up to the amount shown in the table of benefits for buying essential items if your baggage is delayed in reaching you on your outward international journey for more than 12 hours. Please note: You must get written confirmation of the length of the delay from the appropriate airline or transport company and you must keep all receipts for the essential items you buy. If your baggage is permanently lost we will take any payment we make for delayed baggage from your overall claim for baggage.
What you are not covered for under sections F1, F2, F3 and F4
1. The excess as shown in the table of benefits on pages 36 and 38 (this does not apply if you are claiming under section F2).
2. Property you leave unattended in a public place.
3. Any claim for loss or theft to personal belongings and baggage, personal money or passports and travel documents which you do not report to the police within 24 hours of discovering it and which you do not get a written police report for.
4. Any claim for loss, theft, damage or delay to personal belongings and baggage which you do not report to the relevant airline or transport company within 24 hours of discovering it and which you do not get a written report for. In the case of an airline, a property irregularity report will be required. If the loss, theft or damage to your property is only noticed after you have left the airport, you must contact the airline in writing with full details of the incident within seven days of leaving the airport and get a written report from them.
5. Any loss or theft of your passport which you do not report to the consular representative of your home country within 24 hours of discovering it and get a written report for.
6. Any loss, theft or damage to valuables which you do not carry in your hand luggage while you are travelling.
7. Money, passports and travel documents which you do not carry with you unless they are being held in locked safety deposit facilities.
8. Claims arising due to an unauthorised person fraudulently using your credit or debit cards.
9. Claims where you are unable to provide receipts or other reasonable proof of ownership wherever possible for the items being claimed.
10. Breakage of fragile objects or breakage of sports equipment while being used (unless your claim is for damage to winter sports equipment and the appropriate premium for winter sports has been paid).
11. Damage due to scratching or denting unless the item has become unusable as a result of this.
12. Shortages due to variations in exchange rates.
13. If your property is delayed or held as a result of Customs, the police or other officials legally holding it.
14. Loss of jewellery (other than wedding rings) while swimming or taking part in dangerous activities.
15. Losses caused by mechanical or electrical breakdown or damage caused by leaking powder or fluid carried within your baggage.
16. Loss, theft or damage to contact or corneal lenses, sunglasses, prescription glasses or spectacles, dentures, hearing aids, artificial limbs, paintings, household equipment, mobile phones, bicycles and their accessories, motor vehicles and their accessories, marine craft and equipment or items of a perishable nature (meaning items that can decay or rot and will not last for long, for example, food) .
Claims evidence for sections F1 to F4
- Policy schedule
- Loss or theft to property or money - police report
- Loss, theft or damage by an airline - property irregularity report, flight tickets and baggage check tags
- Delay by an airline - written confirmation of the length of delay from the airline, flight tickets, baggage check tags, receipts for emergency purchases
- Loss or theft of a passport - police report, consular report, receipts for additional expenses to get a replacement passport overseas
- Proof of value and ownership for property and money
Please note: This is not a full list and we may require other evidence to support your claim.
Important information:
- You must act in a reasonable way as if uninsured to look after your property and not leave it unattended or unsecured in a public place
- You must carry valuables and money with you when you are travelling. When you are not travelling, keep your money and passport with you at all times or leave them in a locked safety deposit box
- You must report all losses, thefts or delays to the relevant authorities and obtain a written report from them within 24 hours of the incident
- You must provide AIG Travel Assist with all the documents they need to deal with your claim, including a police report, a property irregularity report, receipts for the items being claimed as applicable.

Section A - Cancelling your trip
Please note: If you have arranged a Single Trip policy, by paying a reduced premium, cover under this section can be deleted.
What you are covered for
We will pay up to the amount shown in the table of benefits for:
- travel and accommodation expenses which you have paid or have agreed to pay under a contract and which you cannot get back;
- the cost of excursions, tours and activities which you have paid for and which you cannot get back; and
- the cost of visas which you have paid for and which you cannot get back.
Please note: If payment has been made using frequent flyer points, air miles, loyalty card points or the like, settlement of your claim will be based upon the lowest available published flight fare for the flight originally booked if they are non-transferable.
We will provide this cover if the cancellation of your trip is necessary and unavoidable as a result of the following.
1. You dying, becoming seriously ill or being injured.
2. The death, serious illness or injury of a relative, close business associate, a person who you have booked to travel with or a relative or friend living abroad who you had planned to stay with. The incident giving rise to the claim must have been unexpected and not something you were aware of when you took out this insurance.
3. You being made redundant, as long as you are entitled to payment under the current redundancy payments law and that, at the time of booking your trip, you had no reason to believe that you would be made redundant
4. You or a person who you have booked to travel with being called for jury service (and your request to postpone your service has been rejected) or attending court as a witness (but not as an expert witness).
5. If the police or relevant authority need you to stay in the United Kingdom after a fire, storm, flood, burglary or vandalism to your home or place of business within seven days before you planned to leave on your trip.
6. If you are a member of the armed forces or police, fire, nursing or ambulance services which results in you having to stay in the United Kingdom due to an unforeseen emergency or if you are posted overseas unexpectedly.
7. If after the time you booked your trip the Foreign and Commonwealth Office advises against all but essential travel to your intended destination.
8. If you become pregnant after the date you arranged this insurance cover (or booked your trip, whichever is earlier, if you are an annual-multi trip policyholder) and you will be more than 26 weeks pregnant at the start of or during your trip. Or, if you become pregnant after the date you arranged this insurance cover and your doctor advises that you are not fit to travel due to complications in your pregnancy.
What you are not covered for
1. The excess as shown in the table of benefits on pages 36 and 38. The excess will apply for each trip that you have booked and for each insured person.
2. Cancelling your trip because of a medical condition or an illness related to a medical condition which you knew about and which could reasonably be expected to lead to a claim. This applies to you, a relative, business associate or a person who you are travelling with, and any person you were depending on for the trip.
3. You not wanting to travel.
4. Any extra costs resulting from you not telling the holiday company as soon as you know you have to cancel your trip.
5. You being unable to travel due to your failure to obtain the passport or visa you need for the trip.
6. Airport taxes and associated administration fees shown in the cost of your flights.
7. Costs which have been paid for on behalf of a person who has not taken out insurance cover with AIG Direct Travel .
Claims evidence required for section A
- Policy schedule
- Proof of travel cost (confirmation invoice, travel tickets, unused excursion, tour or activity tickets)
- Cancellation invoice or letter confirming no refund is due
- A medical certificate which we will supply for your doctor to complete
- An official letter confirming: redundancy, emergency posting overseas, the need for you to remain in the United Kingdom
- Summons for jury service
Please note: This is not a full list and we may request other evidence to support your claim.

Section D - Missed departure
Please note: This section does not apply to trips taken within the United Kingdom
Definition relating to this section
Public transport
Bus, coach, ferry, sea vessel or train which operates according to a published timetable. Please note this does not include aeroplanes.
What you are covered for
We will pay up to the amount shown in the table of benefits for the reasonable extra costs of travel and accommodation you need to arrive at your booked holiday destination if you cannot reach the final international departure point on the outward or return from or to the United Kingdom because:
- public transport services (please refer to the definition of public transport above) fail due to poor weather conditions, a strike, industrial action or mechanical breakdown; or
- the vehicle in which you are travelling is directly involved in an accident or suffers a mechanical breakdown (this would not include your vehicle running out of fuel, oil or water or suffering a flat tyre, puncture or flat battery).
What you are not covered for
1. The excess as shown in the table of benefits on pages 36 and 38.
2. Any claims where you have not allowed enough time to reach your final booked international departure point at or before the recommended time.
3. Any claims where you have not obtained written confirmation from the appropriate transport company or authority stating the reason for the delay and how long the delay lasted.
4. Any claims relating to your own vehicle suffering a mechanical breakdown if you are unable to provide evidence that the vehicle was properly serviced and maintained and that any recovery or repair was made by a recognised breakdown organisation.
Claims evidence required for section D
- Policy schedule
- Proof of travel (confirmation invoice, flight tickets)
- Invoices and receipts for your expenses
- An official letter confirming the reason for your late arrival and the length of the delay
Please note: This is not a full list and we may require other evidence to support your claim.

Section H Personal liability
Please note: This section does not apply to trips taken within the United Kingdom.
What you are covered for
We will pay up to the total amount shown in the table of benefits if, within the period of insurance shown on your policy schedule, you are legally liable for accidentally:
- injuring someone; or
- damaging or losing someone elses property
What you are not covered for
1. The excess as shown in the table of benefits on pages 37 and 38.
2. Any liability arising from an injury or loss or damage to property:
a owned by you, a member of your family or household or a person you employ; or
b in the care, custody or control of you or of your family or household or a person you employ.
3. Any liability for death, disease, illness, injury, loss or damage:
a to members of your family or household, or a person you employ;
b arising in connection with your trade, profession or business;
c arising in connection with a contract you have entered into;
d arising due to you acting as the leader of a group taking part in an activity;
e arising due to you owning, possessing, using or living on any land or in buildings, except temporarily for the purposes of the trip; or
f arising due to you owning, possessing or using mechanically-propelled vehicles, watercraft or aircraft of any description, animals (other than horses, domestic cats or dogs), firearms or weapons.
Important information:
- You must give AIG Travel Assist notice of any cause for a legal claim against you as soon as you know about it, and send them any documents relating to a claim
- You must help AIG Travel Assist and give them all the information they need to allow them to take action on your behalf
- You must not negotiate, pay, settle, admit or deny any claim unless you get AIG Travel Assists permission in writing
- We will have complete control over any legal representatives appointed and any proceedings, and we will be entitled to take over and carry out in your name your defence of any claim or to prosecute for our own benefit any claims for indemnity, damages or otherwise against anyone else
Claims advice for section H
- Do not admit liability, offer or promise compensation
- Give details of your name, address and travel insurance
- Take photographs and videos, and get details of witnesses if you can
- Tell AIG Travel Assist immediately about any claim that is likely to be made against you and send us all the documents that you receive

Medical and other emergencies
The Medical Emergency Assistance Company, AIG Travel Assist, will provide immediate help if you are ill, injured or die outside the United Kingdom. They provide a 24-hour emergency service 365 days a year.

General conditions
The following conditions apply to all sections of this insurance.
1. You must tell us if you know about anything which may affect their decision to accept your insurance (for example, if you are planning to take part in a dangerous activity while you are on holiday). If you are not sure whether to tell us, let us know anyway.
2. You must take all reasonable steps to avoid or reduce any loss which may mean that you have to make a claim under this insurance.
3. You must give AIG Travel Assist all the documents they need to deal with any claim. You will be responsible for the costs involved in doing this. For example, in the event of a cancellation claim you will need to supply proof that you were unable to travel, such as a medical certificate completed by your doctor.
4. You must help us get back any money that we have paid from anyone or from other insurers (including the Department for Work and Pensions) by giving us all the details we need and by filling in any forms.
5. If you try to make a fraudulent claim or if any fraudulent means or devices are used when trying to make a claim, this policy may become void and the premium you have paid may be forfeited. Any benefits already paid to you must be repaid in full.
6. You must agree to have a medical examination if we ask. If you die, we are entitled to have a post-mortem examination.
7. You must pay us back any amounts that we have paid to you which are not covered by the insurance.
8. After a claim has been settled, any salvage you have sent into AIG Travel Assist will become our property.