Accomplish Single Trip Travel Insurance

Section 2 Medical and other expenses
- Single and Multi Trip: up to £10 million - Long Stay: up to £5 million
What is covered
You will be covered for the following expenses caused by you becoming ill, being injured or dying during the period of insurance, as long as the expenses are necessary and the costs are reasonable.
1 a Expenses you would have to pay, outside the United Kingdom and the country where you normally live, within 12 months of the start of your illness or injury. The expenses must be for medical, surgical and hospital charges, emergency dental treatment (for pain relief), ambulances, nursing homes and nursing.
b The extra cost of returning to your home, including returning you by air ambulance if this is medically necessary.
c Extra accommodation (room only) expenses.
d Extra travel and accommodation (room only) expenses for one person who has to either stay with you or travel from the British Isles to escort you home if you are seriously ill or injured.
e The extra cost of funeral expenses abroad or of bringing your body or ashes home.
f If you are on a business trip and your company needs to send someone to replace you, we will pay their replacement's economy-class air fare or second-class rail fare to the point at which you were too ill to continue the business trip.
2 You will be covered for extra travel expenses which are reasonable and necessary if you have to return home early because a close relative or business associate is seriously ill or injured or has died during the period of insurance.
What is not covered
As well as the general conditions on page 29, the following exclusions apply.
1 You are not covered for claims caused directly or indirectly by the following.
a You taking part in winter sports (unless you have paid the extra winter-sports premium), mountaineering, potholing, riding or driving in any kind of race, scuba diving to more than 30 metres (increased to 40 metres if you hold a recognised diving qualification which shows you are competent to make the dive), flying (except as a passenger in a fully-licensed passenger-carrying aircraft) or any other dangerous activity.
b Deliberately putting yourself at risk (unless you are trying to save someones life).
c You taking part in manual work in connection with a profession, business or trade.
d Your suicide or attempted suicide, deliberately injuring yourself, solvent abuse or the effect of alcohol or drugs.
e You motorcycling, as either the driver or a passenger of a motorcycle which is more than 125cc, unless the driver holds a current licence which allows them to ride a motorcycle of more than 125cc.
f Pregnancy - if you are expected to give birth before your trip, during your trip or within eight weeks after the end of your trip.
g You travelling against medical advice or to get treatment.
2 You are not covered for treatment or surgery which our medical advisers and the doctor treating you believe is not essential or could wait until your return home.
3 You are not covered for extra costs for a single room or private accommodation.
4 You are not covered for any treatment you receive after you have returned home.
5 We will not pay the first £35 of every claim made for each of you unless you have paid the excess waiver premium or your claim has been reduced because you have used an EHIC or private health insurance.
Conditions
As well as the general conditions on page 29, the following conditions apply.
1 If you go into hospital and are likely to be in for more than 48 hours, or if you have to return home early, someone must contact Assistance International for you immediately.
2 Before you return home early for medical reasons, you must get a doctors certificate to confirm that this is necessary and that you are fit to travel.
3 If you return home early because of an illness or injury to a close relative or business associate, you must get a doctors certificate confirming that this was necessary.
4 You must not arrange to be taken home without our permission. Our medical advisers will consult the doctors treating you to decide whether it is necessary.
5 We may tell you to return if our medical advisers and the doctors treating you decide that you are fit to travel.

Section 4 Personal accident
- Single and annual Multi Trip: up to £25,000 - Long Stay: up to £15,000
What is covered
If, during the period of insurance, you are accidentally injured and lose your sight, lose a limb, become completely disabled or die within 12 months, directly as a result of the accident, you can claim one of the following amounts.
a For death £10,000
b For loss of one or more limbs at or above the wrist or ankle, or permanent loss of all sight in one or both eyes £25,000
c For permanent and complete disability which means that you cannot do any kind of paid work £25,000
Note:
For children under 16 the death benefit is limited to £1,000. For people over 64, cover is limited to a and b only.
For long-stay cover, benefit under b and c is restricted to £15,000.
What is not covered
As well as the general conditions on page 29, the following exclusions apply.
1 You are not covered for claims caused directly or indirectly by the following.
a You taking part in winter sports (unless you have paid the extra winter-sports premium), mountaineering, potholing, riding or driving in any kind of race, scuba diving to more than 30 metres (increased to 40 metres if you hold a recognised diving qualification which shows you are competent to make the dive), flying (except as a passenger travelling in a fully-licensed passenger-carrying aircraft) or any other dangerous activity.
b Deliberately putting yourself at risk (unless you are trying to save someones life).
c You taking part in manual work in connection with a profession, business or trade.
d Your suicide or attempted suicide, deliberately injuring yourself, solvent abuse or the effect of alcohol or drugs.
e You motorcycling, as either the driver or a passenger of a motorcycle which is more than 125cc, unless the driver holds a current licence which allows them to ride a motorcycle of more than 125cc.
f Pregnancy - if you are expected to give birth before your trip, during your trip or within eight weeks after the end of your trip.
2 You are not covered under this section for any claim if:
a it was caused by medical or surgical treatment, unless it was necessary after the accident; or
b at the time of the accident, you were under the influence of alcohol or drugs, unless the drugs were prescribed by and taken on the instructions of a doctor (except to treat drug addiction).
3 You are not covered if the accident was caused by a medical condition that existed before your trip.
Conditions
As well as the general conditions on page 29, the following condition applies.
1 If you make a claim, you must allow our medical advisers to examine you as often as they need to.
(We will pay any costs and your expenses for these examinations if we accept your claim.)

Section 3 Hospital benefit
- Single and Multi Trip: up to £1,000 - Long Stay: up to £460
What is covered
If you fall ill or are injured during the period of insurance, you will receive £20 for each full 24 hours that you spend as an inpatient in a hospital outside the UK and the country where you normally live.
Note : Any amount you receive under this section will be on top of any amount that you receive under section 2. You can use this cover to help pay for out-of-pocket
expenses such as taxi fares and phone calls paid for by you or someone travelling with you while you are in hospital.
What is not covered
As well as the general conditions on page 29, the following exclusions apply.
1 You are not covered for claims caused directly or indirectly by the following.
a You taking part in winter sports (unless you have paid the extra winter-sports premium), mountaineering, potholing, riding or driving in any kind of race, scuba diving to more than 30 metres (increased to 40 metres if you hold a recognised diving qualification which shows you are competent to make the dive), flying (except as a passenger travelling in a fully-licensed passenger-carrying aircraft) or any other dangerous activity.
b Deliberately putting yourself at risk (unless you are trying to save someones life).
c You taking part in manual work in connection with a profession, business or trade.
d Your suicide or attempted suicide, deliberately injuring yourself, solvent abuse or the effect of alcohol or drugs.
e You motorcycling, as either the driver or a passenger of a motorcycle which is more than 125cc, unless the driver holds a current licence which allows them to ride a motorcycle of more than 125cc.
f Pregnancy - if you are expected to give birth before your trip, during your trip or within eight weeks after the end of your trip.
g You travelling against medical advice or to get medical treatment.

Section 2 Medical and other expenses
- Single and Multi Trip: up to £10 million - Long Stay: up to £5 million
What is covered
You will be covered for the following expenses caused by you becoming ill, being injured or dying during the period of insurance, as long as the expenses are necessary and the costs are reasonable.
1 a Expenses you would have to pay, outside the United Kingdom and the country where you normally live, within 12 months of the start of your illness or injury. The expenses must be for medical, surgical and hospital charges, emergency dental treatment (for pain relief), ambulances, nursing homes and nursing.

Section 2 Medical and other expenses
- Single and Multi Trip: up to £10 million - Long Stay: up to £5 million
What is covered
You will be covered for the following expenses caused by you becoming ill, being injured or dying during the period of insurance, as long as the expenses are necessary and the costs are reasonable.
1 a Expenses you would have to pay, outside the United Kingdom and the country where you normally live, within 12 months of the start of your illness or injury. The expenses must be for medical, surgical and hospital charges, emergency dental treatment (for pain relief), ambulances, nursing homes and nursing.
b The extra cost of returning to your home, including returning you by air ambulance if this is medically necessary.
c Extra accommodation (room only) expenses.
d Extra travel and accommodation (room only) expenses for one person who has to either stay with you or travel from the British Isles to escort you home if you are seriously ill or injured.
e The extra cost of funeral expenses abroad or of bringing your body or ashes home.

Section 2 Medical and other expenses
- Single and Multi Trip: up to £10 million - Long Stay: up to £5 million
What is covered
You will be covered for the following expenses caused by you becoming ill, being injured or dying during the period of insurance, as long as the expenses are necessary and the costs are reasonable.
1 a Expenses you would have to pay, outside the United Kingdom and the country where you normally live, within 12 months of the start of your illness or injury. The expenses must be for medical, surgical and hospital charges, emergency dental treatment (for pain relief), ambulances, nursing homes and nursing.
b The extra cost of returning to your home, including returning you by air ambulance if this is medically necessary.
c Extra accommodation (room only) expenses.
d Extra travel and accommodation (room only) expenses for one person who has to either stay with you or travel from the British Isles to escort you home if you are seriously ill or injured.
e The extra cost of funeral expenses abroad or of bringing your body or ashes home.

Section 7 Money and documents
- Single and Multi Trip: up to £400 - Long Stay: up to £400
What is covered
We will repay you if you lose any of the following or they are stolen.
Bank notes
Coins
Travellers cheques
Travel tickets
Admission tickets
Meal vouchers
Passports
For cash there is a limit of £200 for each adult and £50 for each child under 16.
This cover starts from the time you get the money or documents or 72 hours before you leave home to go on your trip, whichever is later.
What is not covered
As well as the general conditions on page 29, the following exclusions apply.
1 You are not covered for the following.
a Loss or theft if you have not reported it to the police within 24 hours of discovering the loss or theft and you have not got a police report.
b Loss of value or shortages caused by a mistake.
c Money left in baggage which you have checked in to the carrier or which you do not keep with you, unless it is in locked accommodation, a safety deposit box or a safe.
2 We will not pay the first £35 of every claim made for each of you unless you have paid the excess waiver premium.
Conditions
As well as the general conditions on page 29, the following condition applies.
1 You must take proper care of your belongings and act as if you did not have insurance.

Section 12 Legal expenses
- Single and Multi Trip: up to £25,000 - Long Stay: up to £25,000
The following definitions only apply to this section.
We, us, our - DAS L7 We will have direct contact with the representative.
8 You must co-operate fully with us and the representative, and must keep us up to date with the progress of the claim.
9 You must give the representative any instructions that we ask for.
10 You must tell us if anyone offers to settle the claim.
11 If you do not accept a reasonable offer to settle a claim, we may refuse to pay further legal costs.
12 You must not negotiate or agree to settle a claim without our approval.
13 We may decide to pay you the amount of damages that you are claiming or that is being claimed against you instead of starting or continuing legal proceedings.
14 If we ask, you must tell the representative to have legal costs taxed, assessed or audited.
15 You must take every step to recover any legal costs that we have to pay and must pay us any legal costs that you recover.
16 If your representative refuses to continue acting for you or if you dismiss your representative, the cover we provide will end immediately, unless we agree to appoint another representative.
17 If you stop a claim without our agreement, or do not give suitable instructions to your representative, the cover we provide will end immediately and we will be entitled to reclaim any legal costs we have paid.
18 If we and you disagree about the choice of representative, or about how a claim is handled, we and you can choose another representative to decide the matter. We and you must both agree to this in writing. If we cannot agree with you about the choice of second representative, we will ask the president of a relevant national law society to choose a representative. Whoever loses the disagreement will have to pay the costs of settling it.
19 We may ask you to get (at your own expense) an opinion from a barrister chosen by you and us about whether a claim or proceedings will be successful. If the barrister believes that it is more likely than not you will recover damages (or reach a solution that we have agreed to) or make a successful defence, we will pay the cost of getting the opinion.
20 We will not pay any claim covered under any other policy, or any claim that would have been covered by any other policy if this policy did not exist.
Legal Expenses Insurance Company Limited
Representative - The lawyer, or other suitably-qualified person, who we have appointed to act for you in line with the conditions of this section.
Legal costs - All reasonable and necessary costs charged by the representative on a standard basis. It also includes the opponents costs in civil cases if you have to pay them or if you pay them with our agreement.
Date of the incident - The date the incident which may lead to a claim happened. If there is more than one event arising at the same time or from the same cause, the date of the incident is the date of the first of these events.
Insured incident - An event which causes the death of, or bodily injury to, you. What is covered
Under this section, we will negotiate for your legal rights after an insured incident. We will also help in appealing or defending an appeal as long as you tell us within the time limits allowed that you want us to appeal.
Before we pay legal costs for appeals, we must agree that it is always more likely than not that the appeal will be successful.
If you use a representative, we will pay the legal costs for this. The most we will pay for all claims for an insured incident resulting from one or more event arising at the same time or from the same cause is £25,000.
We agree to provide legal expenses cover, keeping to the conditions and exclusions, as long as:
- any legal proceedings will be dealt with by a court or other body which we agree to; and
- in civil claims, it is always more likely than not that you will recover damages (or other legal remedy) or make a successful defence; and
- the insured incident happens during the period of insurance.
What is not covered
As well as the general conditions on page 29, the following exclusions apply.
1 Any claim reported to us more than 180 days after the date you should have known about the insured incident.
2 Any legal costs before we agree to pay them.
3 Any claim relating to the following.
- Any illness which develops gradually or is not caused by a specific or sudden accident.
- You driving a motor vehicle for which you do not have valid motor insurance.
- An application for a judicial review.
4 Defending your legal rights (but defending a counter claim is covered.)
5 Any disagreement with us that is not in condition 18 of this section.
6 Any legal action you take which we or the representative have not agreed to or where you do anything that has a negative effect on us or the representative.
7 Any legal action against the travel agent, tour operator, carrier or any of the insurers listed on page 8.
8 Fines, damages or other penalties which you are ordered to pay.
9 Any legal costs that you have to pay under a contingency fee arrangement (a contingency fee arrangement is when the lawyer takes a percentage of the damages as the fee).
10 Any insured incident intentionally brought about by you.
11 Any claim relating to your alleged dishonesty or alleged violent behaviour.
12 Any claim relating to written or spoken comments which damage your reputation.
Conditions
As well as the general conditions on page 29, the following conditions apply.
You must do the following.
1 Send us everything we ask for in writing, and give us full details of any claim and any information we need, as soon as possible.
2 We can take over, in your name, any claim or legal proceedings at any time. We can negotiate any claim on your behalf.
3 You are free to choose a representative (by sending us a suitably qualified persons name and address) if:
a we agree to start court proceedings and it becomes necessary for a lawyer to represent your interests in those proceedings; or
b there is a conflict of interest.
4 We may choose not to accept your choice, but only in exceptional circumstances. If there is a disagreement over the choice of representative in these circumstances, you may choose another suitably qualified person.
5 In all circumstances (except those in 3 above), we are free to choose a representative.
6 We will appoint a representative to represent you according to our standard conditions of appointment.
The representative must fully co-operate with us at all times.

Section 8 Loss of passport
- Single and Multi Trip: up to £250 - Long Stay: up to £250
What is covered
You will be covered for all necessary and reasonable extra travel and accommodation expenses involved in getting a replacement passport if it is lost or stolen during the period of insurance.
What is not covered
As well as the general conditions on page 29, the following exclusion applies.
1 You are not covered for loss or theft if you have not reported it to the police within 24 hours of discovering the loss or theft and you have not got a police report.
Conditions
As well as the general conditions on page 29, the following conditions apply.
1 You must take proper care of your passport and act as if you did not have this insurance.
2 You are not covered for any expenses arising after you have returned to the UK or Channel Islands.

Section 11 Mugging
- Single and Multi Trip: up to £500 - Long Stay: no cover
What is covered
If during the period of insurance you are mugged and injured and you have a valid claim under section 3 - Hospital benefit, you will receive a further £100 for each full 24 hours that you spend as an inpatient in a hospital outside the United Kingdom and the country where you normally live.
What is not covered
As well as the general conditions on page 29, the following exclusion applies.
1 You are not covered if you do not report the mugging to the police and get a report from them.

Extra option - Winter sports
We will only provide this cover if you have paid the extra premium and you are under 65.
If you have chosen the annual multi-trip cover including winter sports, you will automatically be covered for up to 17 days winter-sports cover in a year.
If you have chosen long-stay cover (trips of more than 186 days), you will be covered for up to 31 days recreational winter-sports cover during your trip, if you have paid the appropriate premium.
Winter sports
You will be covered under all sections for all winter sports except for:
ski racing in major events;
ski jumping;
ice hockey; and
using bobsleighs and skeletons.
You are not covered for winter-sports equipment under section 5 (Personal belongings) of this travel policy. Please see below for details of cover for winter-sports equipment.
Ski-lift passes are included in the cover provided by section 7 (Money and documents) of this travel policy.
The following extra cover is also included in winter sports.

Section A Winter-sports equipment - up to £500
What is covered
You will be covered for the replacement cost (after allowing for wear, tear and loss of value) of replacing your snowboard or skis (including bindings), boots and poles if they are lost, stolen or damaged. The total limit for hired equipment which is lost, stolen or damaged is £100.
What is not covered
As well as the general conditions on page 29, the following conditions apply.
1 You are not covered for the following.
a Loss of, theft of or damage to your personal belongings during your outward or return journey if you do not get a written carriers report, or a property irregularity reporting the case of an airline.
If you cannot report the loss, theft or damage to the carrier straight away, you must do so in writing within seven days.
b Loss or theft of your personal belongings at any other time if you do not report the loss or theft to the police within 24 hours of discovering it and get a police report from them.
c Loss or damage caused by delay, wear and tear, moths, vermin, weather and atmospheric conditions or mechanical failure.
d Loss of, theft of or damage to property left in a vehicle overnight.
2 You are not covered for claims for which you receive compensation from someone else.
3 You are not covered for more than £250 for any one snowboard, or pair of skis, boots or poles.
4 We will not pay the first £35 of every claim made for each of you unless you have paid the
excess waiver premium. This does not apply to claims for temporary loss or hire of winter-sports equipment under section B.

Section A Winter-sports equipment - up to £500
What is covered
You will be covered for the replacement cost (after allowing for wear, tear and loss of value) of replacing your snowboard or skis (including bindings), boots and poles if they are lost, stolen or damaged. The total limit for hired equipment which is lost, stolen or damaged is £100.
What is not covered
As well as the general conditions on page 29, the following conditions apply.
1 You are not covered for the following.
a Loss of, theft of or damage to your personal belongings during your outward or return journey if you do not get a written carriers report, or a property irregularity reporting the case of an airline.
If you cannot report the loss, theft or damage to the carrier straight away, you must do so in writing within seven days.
b Loss or theft of your personal belongings at any other time if you do not report the loss or theft to the police within 24 hours of discovering it and get a police report from them.
c Loss or damage caused by delay, wear and tear, moths, vermin, weather and atmospheric conditions or mechanical failure.
d Loss of, theft of or damage to property left in a vehicle overnight.
2 You are not covered for claims for which you receive compensation from someone else.
3 You are not covered for more than £250 for any one snowboard, or pair of skis, boots or poles.
4 We will not pay the first £35 of every claim made for each of you unless you have paid the
excess waiver premium. This does not apply to claims for temporary loss or hire of winter-sports equipment under section B.

Section A Winter-sports equipment - up to £500
What is covered
You will be covered for the replacement cost (after allowing for wear, tear and loss of value) of replacing your snowboard or skis (including bindings), boots and poles if they are lost, stolen or damaged. The total limit for hired equipment which is lost, stolen or damaged is £100.
What is not covered
As well as the general conditions on page 29, the following conditions apply.
1 You are not covered for the following.
a Loss of, theft of or damage to your personal belongings during your outward or return journey if you do not get a written carriers report, or a property irregularity reporting the case of an airline.
If you cannot report the loss, theft or damage to the carrier straight away, you must do so in writing within seven days.
b Loss or theft of your personal belongings at any other time if you do not report the loss or theft to the police within 24 hours of discovering it and get a police report from them.
c Loss or damage caused by delay, wear and tear, moths, vermin, weather and atmospheric conditions or mechanical failure.
d Loss of, theft of or damage to property left in a vehicle overnight.
2 You are not covered for claims for which you receive compensation from someone else.
3 You are not covered for more than £250 for any one snowboard, or pair of skis, boots or poles.
4 We will not pay the first £35 of every claim made for each of you unless you have paid the
excess waiver premium. This does not apply to claims for temporary loss or hire of winter-sports equipment under section B.

Section C Ski Pack (lessons, hire and lift pass) - up to £250
What is covered
If you fall ill or are injured during the period of insurance, you will be covered for the costs of the part of the ski pack which you cannot use.
What is not covered
As well as the general conditions on page 29, the following exclusion applies.
1 You are not covered for claims caused directly or indirectly by you taking part in mountaineering, potholing, riding or driving in any kind of race, scuba diving to more than 30 metres (increased to 40 metres if you hold a recognised diving qualification which shows you are competent to make the dive), flying (except as a passenger in a fully-licensed passenger-carrying aircraft) or any other dangerous activity.

Section D Piste closure - up to £300
What is covered
This cover is only available for holidays starting after 10 December and ending before 30 April.
If the weather prevents you from skiing at the resort you are booked into, you will be covered for reasonable transport costs to take you to a different resort and
for the cost of a lift pass there. If it is not possible to arrange transport to a different resort, you will receive £30 for each whole days skiing you have lost.
What is not covered
As well as the general conditions on page 29, the following exclusions apply.
1 You will not be covered for any amount you can get back from someone or somewhere else.
2 You will not be covered if you take out this insurance within 14 days of going on the trip, unless you booked the trip at the same time.
Conditions
As well as the general conditions on page 29, the following conditions apply.
1 Cover will only apply for as long as there are poor snow conditions at your resort.
2 You must get written confirmation from the appropriate authority to confirm that the piste was closed or that it was not possible to travel to another resort.

Section D Piste closure - up to £300
What is covered
This cover is only available for holidays starting after 10 December and ending before 30 April.
If the weather prevents you from skiing at the resort you are booked into, you will be covered for reasonable transport costs to take you to a different resort and
for the cost of a lift pass there. If it is not possible to arrange transport to a different resort, you will receive £30 for each whole days skiing you have lost.
What is not covered
As well as the general conditions on page 29, the following exclusions apply.
1 You will not be covered for any amount you can get back from someone or somewhere else.
2 You will not be covered if you take out this insurance within 14 days of going on the trip, unless you booked the trip at the same time.
Conditions
As well as the general conditions on page 29, the following conditions apply.
1 Cover will only apply for as long as there are poor snow conditions at your resort.
2 You must get written confirmation from the appropriate authority to confirm that the piste was closed or that it was not possible to travel to another resort.

Section E Avalanche closure - up to £500
What is covered
If your arrival at, or departure from, your resort is delayed due to an avalanche or a landslide, you will be covered for reasonable extra travel and accommodation expenses. We will pay up to £50 for each full 24 hours that you are delayed.
What is not covered
As well as the general conditions on page 29, the following exclusions apply.
1 You will not be covered if the tour operator pays for your extra travel and accommodation costs.
2 If you receive compensation from someone or somewhere else, we will take this off your claim.

Section B Winter-sports equipment hire - up to £150
What is covered
If your own equipment is lost, stolen or damaged, you will be covered for the reasonable cost of hiring a snowboard or skis (including bindings), boots and poles up to £10 a day.
What is not covered
As well as the general conditions on page 29, the following conditions apply.
1 You are not covered for the following.
a Loss of, theft of or damage to your personal belongings during your outward or return journey if you do not get a written carriers report, or a property irregularity reporting the case of an airline.
If you cannot report the loss, theft or damage to the carrier straight away, you must do so in writing within seven days.
b Loss or theft of your personal belongings at any other time if you do not report the loss or theft to the police within 24 hours of discovering it and get a police report from them.
c Loss or damage caused by delay, wear and tear, moths, vermin, weather and atmospheric conditions or mechanical failure.
d Loss of, theft of or damage to property left in a vehicle overnight.
2 You are not covered for claims for which you receive compensation from someone else.
3 You are not covered for more than £250 for any one snowboard, or pair of skis, boots or poles.
4 We will not pay the first £35 of every claim made for each of you unless you have paid the excess waiver premium. This does not apply to claims for temporary loss or hire of winter-sports equipment under section B.

Section B Winter-sports equipment hire - up to £150
What is covered
If your own equipment is lost, stolen or damaged, you will be covered for the reasonable cost of hiring a snowboard or skis (including bindings), boots and poles up to £10 a day.
What is not covered
As well as the general conditions on page 29, the following conditions apply.
1 You are not covered for the following.
a Loss of, theft of or damage to your personal belongings during your outward or return journey if you do not get a written carriers report, or a property irregularity reporting the case of an airline.
If you cannot report the loss, theft or damage to the carrier straight away, you must do so in writing within seven days.
b Loss or theft of your personal belongings at any other time if you do not report the loss or theft to the police within 24 hours of discovering it and get a police report from them.
c Loss or damage caused by delay, wear and tear, moths, vermin, weather and atmospheric conditions or mechanical failure.
d Loss of, theft of or damage to property left in a vehicle overnight.
2 You are not covered for claims for which you receive compensation from someone else.
3 You are not covered for more than £250 for any one snowboard, or pair of skis, boots or poles.
4 We will not pay the first £35 of every claim made for each of you unless you have paid the excess waiver premium. This does not apply to claims for temporary loss or hire of winter-sports equipment under section B.

Section 5 Personal belongings
You will not be covered under this section if you have paid the lower premium to exclude personal belongings cover.
- Single and Multi Trip: up to £1,500 - Long Stay up to £1,000
What is covered
If you accidentally lose your personal belongings, or if they are stolen or damaged, you can claim up to £1,500 to replace or repair them. (we will take an amount off for wear and tear and loss of value.)
There is a limit of £300 for one item, pair or set. The overall l l imi t for valuables , golf and sports equipment, compact discs and pre-recorded audio tapes is £300.
What is not covered
As well as the general conditions on page 29, the following exclusions apply.
1 You are not covered for the following.
a Loss of, theft of or damage to your personal belongings during your outward or return journey if you do not get a written carriers report, or a property irregularity reporting the case of an airline.
If you cannot report the loss, theft or damage to the airline straight away, you must do so in writing within seven days.
b Loss or theft of your personal belongings at any other time if you do not report the loss or theft to the police within 24 hours of discovering it and get a police report from them.
c Breakage of or damage to fragile articles, audio, video or computer equipment (unless the breakage or damage is caused by a malicious or criminal act), and any other loss or damage caused by the breakage.
d Loss or damage caused by delay, wear and tear, moths, vermin, weather and atmospheric conditions or mechanical failure.
e Loss of, theft of or damage to food, drink or tobacco products.
f Loss of, theft of or damage to contact or corneal lenses, mobile phones, loose precious stones, securities, deeds, documents or property held for business purposes.
g Loss of, theft of or damage to valuables if you leave them in baggage which is checked in to the carrier.
h Loss of, theft of or damage to valuables you are not carrying with you unless you have kept them in locked accommodation, a safe or a safety deposit box.
i There is no cover for personal belongings left in a vehicle overnight.
2 Winter-sports equipment is not covered under this section (see optional winter-sports insurance on pages 21 to 22).
3 We will not pay the first £35 of every claim made for each of you unless you have paid the excess waiver premium.
Conditions
As well as the general conditions on page 29, the following conditions apply.
1 You must take proper care of your belongings and act as if you did not have this insurance policy.
2 If your claim involves a pair or set, we will only pay the value of the part of the pair or set which is lost, stolen or damaged.
3 You must keep any damaged property so that we can inspect it. When we make a payment for that property, it will then belong to us.

Section 6 Temporary loss of personal belongings
- Single and Multi Trip: up to £100 - Long Stay: up to £100
What is covered
If your personal belongings are temporarily lost for more than 12 hours on your outward journey, you can claim up to £100 for the replacements you need to buy.
What is not covered
As well as the general conditions on page 29, the following exclusion applies.
1 You are not covered for claims if you receive compensation from someone else.
Conditions
As well as the general conditions on page 29, the following conditions apply.
1 As well as getting an authorised carriers report or property irregularity report from the carrier or handling agent, you must also write to them within 21 days of receiving your property back to confirm you had to buy replacement items.
2 If your personal belongings are never found and we agree to pay for permanent loss, we will take off any amount we have already paid for temporary loss.

Section 1a If your trip is cancelled
There is no cover under his section if you have paid the lower premium to exclude cancellation cover.
- Single and multi-trip: up to £5,0000 - Long stay: up to £1,0000
What is covered
We will repay you for your expenses you have paid or legally have to pay for travel and accommodation which you do not use if you have no choice but to cancel the
trip because of events beyond your control which start during the period of insurance.
Note - For single-trip cover, cancellation insurance starts on the date of issue shown on your insurance schedule. For annual multi-trip cover, each trip is covered when you book it or on the start date shown on your insurance schedule, whichever is later.
What is not covered
As well as the general conditions on page 29, the following exclusions apply.
1 You are not covered for claims caused directly or indirectly by the following.
a You deciding you no longer want to travel.
b A labour dispute or protest.
c Government regulations, acts of parliament or currency restrictions.
d Your financial circumstances or unemployment (other than redundancy if you are under 65 and have two years continuous employment with the same employer).
e The tour operator, or anyone you have made travel or ac commodation arrangements with, failing to provide the arrangements.
f Pregnancy - if you are expected to give birth before your trip, during your trip or within eight weeks after the end of your trip.
g You travelling against medical advice or to get medical treatment.
h If you fail to get a valid passport or other travel documents you need.
2 We will not pay any amounts you can get back from someone or somewhere else.
3 We will not pay the first £35 (£10 for deposit-only claims) of every claim made for each of you unless you have paid the excess waiver premium.
Conditions
As well as the general conditions on page 29, the following conditions apply.
1 You must do everything that you can to get to the airport, port or station you are leaving from on time.
2 If you do not tell the travel agent, tour operator or organisations providing transport and accommodation as soon as you need to cancel your trip, the amount we pay will be limited to the cancellation charges that would have applied at that time.
Section 1b If your trip os cut short
- Single and Multi Trip: up to £5,000 - Long Stay: no cover
What is covered
You will be covered for your expenses you have paid or legally have to pay for travel and accommodation which you do not use if you have no choice but to cut short the
trip and you return home for one of the reasons given below.
1 One of the following people is injured, falls ill or dies.
a You or the person you had arranged to travel or stay with.
b A close relative.
c A business associate.
2 Your home is damaged and not fit to live in, or the police ask you to return because your home has been burgled.
What is not covered
As well as the general conditions on page 29, the following exclusions apply.
1 You are not covered for claims caused directly or indirectly by the following.
a You taking part in winter sports (unless you have paid the extra winter-sports premium), mountaineering, potholing, riding or driving in any kind of race, scuba diving to more than 30 metres (increased to 40 metres if you hold a recognised diving qualification which shows you are competent to make the dive), flying (except as a passenger in a fully-licensed passenger-carrying aircraft) or any other dangerous activity.
b Deliberately putting yourself at risk (unless you are trying to save someones life).
c You taking part in manual work in connection with a profession, business or trade.
d Your suicide or attempted suicide, deliberately injuring yourself, solvent abuse or the effect of alcohol or drugs.
e You motorcycling, as either the driver or a passenger of a motorcycle which is more than 125cc, unless the driver holds a current licence which allows them to ride a motorcycle of more than 125cc.
f Pregnancy - if you are expected to give birth before your trip, during your trip or within eight weeks after the end of your trip.
g You travelling against medical advice or to get medical treatment.
2 We will not pay the first £35 of every claim made for each of you, unless you have paid the excess waiver premium.
Conditions
As well as the general conditions on page 29, the following conditions apply.
1 If you go into hospital and are likely to be in for more than 48 hours, or if you have to return home early, someone must contact Assistance International for you immediately.
2 Before you return home early for medical reasons, you must get a doctors certificate to confirm that this is necessary and that you are fit to travel.
3 If you return home early because of an illness or injury to a close relative or business associate, you must get a doctors certificate confirming that this was necessary.

Section 10 Missed Departure - extra travel and accommodation expenses
- Single and Multi Trip: up to £750 - Long Stay: up to £500
What is covered
If one of the following takes place during the period of insurance, you will be covered for the cost of reasonable extra accommodation and travel expenses to allow you
to carry on with your trip.
1 Labour dispute or protest, civil disturbance, mechanical breakdown or bad weather which interrupts your scheduled public transport services, including booked connecting flights.
2 An accident or breakdown involving the car in which you are travelling in the British Isles and which causes you to arrive at the airport, port or station you are leaving from too late to start the journey you have booked.
Conditions
As well as the general conditions on page 29, the following conditions apply.
1 You must do all that you can to arrive at the airport, port or station you are leaving from on time.
2 In the case of a labour dispute or protest, you will only be covered if the dispute is announced and begins during the period of insurance.
3 If you miss the departure because your car breaks down or you are involved in an accident, you must send us a repairer's report or police accident report.

Section 13 Delay
- Single and Multi Trip: up to £100 (£5,00 for cancellation) - Long Stay: no cover
What is covered
If the transport you are booked to travel on for your outward or return journey is cancelled or delayed for reasons which you (or the tour operator) cannot control, you will receive one of the following.
1 Compensation of £20 for each full 12-hour period that you are delayed, up to a limit of £100. We will work out the length of the delay based on the difference between your scheduled time of arrival and your actual arrival time at your final destination.
2 Your cancellation charges (up to £5,000) if, after a 12-hour delay to the departure of your outward journey from the British Isles, you decide to cancel the trip.
What is not covered
As well as the general conditions on page 29, the following exclusions apply.
1 You are not covered for the following.
a Any claims if you took this insurance out within four weeks of the date you are due to leave and it is public knowledge that the journey could be delayed.
b Claims caused by the tour operator, or any other provider of transport and accommodation, stopping trading.
c Amounts you can get back from someone or somewhere else if you decide to cancel the trip.
Conditions
As well as the general conditions on page 29, the following conditions apply.
1 You must ask the airline or transport company to confirm in writing:
a the cause of the delay or cancellation;
b the period of the delay;
c the scheduled time of departure and arrival; and
d the actual time of departure and arrival.

Section 13 Delay
- Single and Multi Trip: up to £100 (£5,00 for cancellation) - Long Stay: no cover
What is covered
If the transport you are booked to travel on for your outward or return journey is cancelled or delayed for reasons which you (or the tour operator) cannot control, you will receive one of the following.
1 Compensation of £20 for each full 12-hour period that you are delayed, up to a limit of £100. We will work out the length of the delay based on the difference between your scheduled time of arrival and your actual arrival time at your final destination.
2 Your cancellation charges (up to £5,000) if, after a 12-hour delay to the departure of your outward journey from the British Isles, you decide to cancel the trip.
What is not covered
As well as the general conditions on page 29, the following exclusions apply.
1 You are not covered for the following.
a Any claims if you took this insurance out within four weeks of the date you are due to leave and it is public knowledge that the journey could be delayed.
b Claims caused by the tour operator, or any other provider of transport and accommodation, stopping trading.
c Amounts you can get back from someone or somewhere else if you decide to cancel the trip.
Conditions
As well as the general conditions on page 29, the following conditions apply.
1 You must ask the airline or transport company to confirm in writing:
a the cause of the delay or cancellation;
b the period of the delay;
c the scheduled time of departure and arrival; and
d the actual time of departure and arrival.

Section 9 Personal Liability
- Single and Multi Trip: up to £2 million - Long Stay: up to £2 million
What is covered
If you accidentally injure someone or damage someone elses property during the period of insurance, you will be covered for your legal liability:
a to people who do not work for you and who are not your travelling companions or members of your family; and
b for accidental damage to property which is not owned or being looked after by you or a member of your family.
For accidental damage to rented accommodation, we will pay up to £100,000 for a single incident which you are legally responsible for.
This cover includes legal expenses which you have paid with our permission.
What is not covered
As well as the general conditions on page 29, the following exclusions apply.
1 This section does not cover liability caused directly or indirectly by you owning or using any aircraft, motorised vehicle, boat or any form of motorised leisure equipment.
2 This section does not cover employers liability or liability caused by you carrying out contracts, supplying goods and services, or doing your job.
3 You will not be covered for damage, injury, illness or disease caused directly or indirectly by an infectious disease.
4 We will not pay the first £250 of every claim to do with rented accommodation. (The excess waiver does not apply to this section.)
Conditions
As well as the general conditions on page 29, the following condition applies.
1 You must send us any writ, summons or other legal documents as soon as you receive them. You must also give
us any information and help we need to deal with the case and your claim. You must not negotiate, pay, settle,
admit or deny any claim without our written agreement.

General Exclusions
Applicable to All Sections
We shall not be liable for:
2. acts of terrorism
For the purpose of this exclusion an act of terrorism means an act, including but not limited to the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organisation(s) or government(s), committed for political, religious or ideological
purposes, or reasons including the intention to influence any government and/or to put the public or any section of the public in fear .

General Conditions that apply to all sections
v Any equipment, whether or not you own it, failing to recognise, deal or work correctly beyond the date change to the year 2000 or any other date change, or from anyones fear of the equipment failing to recognise these changes . (This doe s not apply to section 2 - Medical and other expenses.)

General Conditions that apply to all sections
1 You must tell us any facts we ask for in the declaration and which could affect this insurance.
If you do not, you may not be fully covered.
You must give us any information which may influence our decision to provide or continue your cover or the way we work out your premium (for example, your health or the health of a close relative). If you are not sure whether we need to know a particular fact, please contact your insurance agent.
2 You will not be covered for the following.
a Any other loss resulting directly or indirectly from the cause of your claim.
b Any claim which you could make under any other insurance or any amount you can get back from some one or somewhere else. This does not apply to section 4 - Personal accident.
c Any claim caused directly or indirectly by the following.
Ionising radiation or radio active contamination from nuclear fuel or nuclear waste, or any risk from an explosive nuclear device or other nuclear equipment.
ii Your property being held, taken, destroyed or damaged under the order of any government or other authority.
iii Pressure waves caused by aircraft or other flying machines travelling at or above the speed of sound.
iv War, invasion , acts of terrorism, hostilities (whether war is declared or not), civil unrest, revolution, rebellion, act of foreign enemy or any similar event. (This does not apply to section 2 - Medical and other expenses while you are away from the United Kingdom.)
v Any equipment, whether or not you own it, failing to recognise, deal or work correctly beyond the date change to the year 2000 or any other date change, or from anyones fear of the equipment failing to recognise these changes . (This doe s not apply to section 2 - Medical and other expenses.)
3 You must follow any relevant suggestions or recommendations made by any government or other authority before and during the period of insurance.
4 You must do all that you can to keep your claims as low as possible and to prevent theft, loss and damage.
5 If we pay any expenses which you are not covered for, you must pay these back within a month of the end of the period of insurance.
6 If you, or anyone acting for you, deliberately make a false claim or statement, the insurance will end and we will not pay any claims.
7 We may take action in your name to get compensation or security for loss, damage or expenses covered by this insurance. You will not pay anything towards this action, but any amount or security handed over will belong to us.
8 If we have to pay any amounts under the law of another country and we would not usually have to pay these amounts under the policy, you must repay the amounts to us.
9 All the sums insured and limits set out in this policy include VAT.
10 All claims under the insurance will be governed by English law. Any legal disputes will be heard in an English court.
11 The premium for this insurance includes insurance premium tax where necessary.
12 If we pay a claim because your trip is cancelled, we will not pay a claim under any other section of the policy for the same trip.
13 If you have paid the extra excess waiver premium, you will not have to pay the excess under certain sections of the policy.
If we agree to a claim for medical expenses which has been reduced because you have used an EHIC or private health insurance, you will not have to pay the excess.

There is the option to take out excess waiver at the premiums listed below:
Under 65 £8.00
65 to 79 £11.60
Child £4.25
Family £19.10