Alliance and Leicester Annual Multi Trip

60 days

Declaration
The Fortis Travel insurance policy contains health restrictions and exclusions. Our Medical Helpline uses a medical screening assessment company to determine whether full cover can be provided or restrictions applied or cover offered for an additional premium to include cover for certain conditions or whether cover cannot be offered.
You must be able to make the following declaration for yourself, anyone travelling with you, a close relative or business associate who the trip will depend on.
For you or anyone travelling with you
As far as I know, the following apply.
a) Nobody is waiting for an operation, hospital consultation (other than for regular check-ups), or other hospital treatment or investigations.
b) Nobody has received treatment for any of the following:
- a stroke;
- any heart problem;
- any form of cancer, leukaemia or tumour;
- dialysis treatment; or
- a transplant
c) Nobody has received treatment, other than regular medication (not including supplementary oxygen) in the last 12 months for any blood disorder, breathing problem, diabetes, psychiatric illness or dementia.
d) Nobody has been seen by a specialist in the last three months (other than for regular check ups at intervals
of six months or greater) or been admitted to a hospital overnight.
e) Nobody has been diagnosed by a registered doctor as having a terminal condition.
- If you (each insured person), or anyone travelling with you cannot agree with this declaration when you take out the insurance, you must phone the Medical Helpline on 08701 212967, quoting scheme code AL1.
Do this at the time of taking out this insurance and they will tell if we can give cover. If you cannot contact them at the time of buying this insurance, you must contact them within 14 days, but before you travel.
They will tell you if they need any more information. You may need to pay an extra premium to include cover for certain medical conditions.
- If there is a change in your medical condition or the medical condition of anyone travelling with you (after you have taken out this insurance, but before you travel) and you can no longer agree with the declaration, you must contact the Medical Helpline immediately on 08701 212967, quoting scheme code AL1. They will tell you if cover can continue. If we cannot continue cover, you may claim for the cost of cancelling at that time.

Section 6 - Medical Emergency Expenses (not private health insurance)
This section does not apply to trips within the United Kingdom (except for trips to the Channel Islands and to the Isle of Man, when NHS treatment is not available).
This section does not cover you for any injury resulting from you taking part in winter sports unless you have paid the additional winter sports premium.
Before a claim for emergency expenses can be submitted under this section, you must contact Assistance International (details shown on page 16).
You are covered for
The following expenses up to £10,000,000 caused by your becoming ill, being injured or dying during the period of insurance, as long as the expenses are necessary and the costs 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, hospital charges, ambulances (including return to your holiday accommodation by ambulance or taxi if no other means of transport is available) nursing homes and nursing.
Claims for emergency dental treatment (for the relief of pain only) shall be limited to £350.
(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 (economy class) and accommodation (room only) expenses for one person who either has to stay with you or has to travel from the United Kingdom to escort you home if you are seriously ill or injured.
(e) The cost of funeral expenses abroad up to £1,000 or of bringing your body or ashes home.
Please note: all receipts must be retained and produced in the event of a claim. Your claim may be rejected if receipts are not produced.
If you become ill or are injured we have the right to bring you back home, if the treating doctor and Medical Assistance doctor agree that you can safely travel home.
You are not covered
1. for the first £50 of each and every incident per each insured person involved in the incident unless you have paid the excess waiver premium;
2. for any sums which can be recovered by you and which are covered under any National Insurance Scheme or Reciprocal Health Arrangement;
3. for any expenses incurred for illness, injury or treatment required in consequence of:
(a) surgery or medical treatment which in the opinion of the attending doctor and Assistance International can be reasonably delayed until your return to the United Kingdom;
(b) medication and/or treatment which at the time of departure is known to be required or to be continued outside the United Kingdom;
4. for preventative treatment which can be delayed until your return to the United Kingdom.
5. if you have not obtained a written certificate of fitness and ability to travel and endure the trip where you are undergoing medical treatment as a hospital out-patient at the time of paying the final balance of your trip;
6. for claims that are not confirmed as medically necessary by the attending doctor or Assistance International;
7. for the cost of any elective (non emergency) treatment or surgery, including exploratory tests, which are not directly related to the illness or injury which necessitated your admittance into hospital;
8. for any additional hospital costs arising from single or private room accommodation unless agreed by us;
9. for treatment or service provided by a health spa, convalescent or nursing home or any rehabilitation center, unless agreed by us;
10. for anything mentioned in the General Exclusions.

Section 5 - Personal Accident
You are covered for
The following benefits will be paid to you or your legal personal representative if you have a personal accident during your trip which within 12 months of the date of the accident is the sole cause of your
consequent death or disability:
1. Death - £15,000
2. Loss of limb, loss of sight or permanent total disablement - £25,000.
NOTE - If you are aged under 16 at the time of the accident the death benefit will be limited to £1,000 and the permanent total disablement benefit will not apply.
You are not covered for
Any claims for death, loss or disablement caused directly or indirectly by:
1. a disease, any physical defect or illness or any naturally occurring condition;
2. an injury which existed prior to the commencement of the trip;
3. anything mentioned in the General Exclusions.

Section 7 - Medical Inconvenience Benefit
This section does not apply to trips within the United Kingdom (except for trips to the Channel Islands and to the Isle of Man when NHS treatment is not available).
You are covered for
A benefit of £20 for each complete 24 hours spent as an inpatient if you are admitted to a registered hospital abroad, up to a maximum of £1,000, in addition to any medical expenses incurred under Section 6 of this policy.
NOTE Documentation must be submitted to confirm the date and time of admission and discharge.
You are not covered for
Anything mentioned in the General Exclusions.

Section 6 - Medical Emergency Expenses (not private health insurance)
This section does not apply to trips within the United Kingdom (except for trips to the Channel Islands and to the Isle of Man, when NHS treatment is not available).
This section does not cover you for any injury resulting from you taking part in winter sports unless you have paid the additional winter sports premium.
Before a claim for emergency expenses can be submitted under this section, you must contact Assistance International (details shown on page 16).
You are covered for
The following expenses up to £10,000,000 caused by your becoming ill, being injured or dying during the period of insurance, as long as the expenses are necessary and the costs 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, hospital charges, ambulances (including return to your holiday accommodation by ambulance or taxi if no other means of transport is available) nursing homes and nursing.
Claims for emergency dental treatment (for the relief of pain only) shall be limited to £350.

Section 6 - Medical Emergency Expenses (not private health insurance)
This section does not apply to trips within the United Kingdom (except for trips to the Channel Islands and to the Isle of Man, when NHS treatment is not available).
This section does not cover you for any injury resulting from you taking part in winter sports unless you have paid the additional winter sports premium.
Before a claim for emergency expenses can be submitted under this section, you must contact Assistance International (details shown on page 16).
You are covered for
The following expenses up to £10,000,000 caused by your becoming ill, being injured or dying during the period of insurance, as long as the expenses are necessary and the costs reasonable.
(e) The cost of funeral expenses abroad up to £1,000 or of bringing your body or ashes home.

Section 6 - Medical Emergency Expenses (not private health insurance)
This section does not apply to trips within the United Kingdom (except for trips to the Channel Islands and to the Isle of Man, when NHS treatment is not available).
This section does not cover you for any injury resulting from you taking part in winter sports unless you have paid the additional winter sports premium.
Before a claim for emergency expenses can be submitted under this section, you must contact Assistance International (details shown on page 16).
You are covered for
The following expenses up to £10,000,000 caused by your becoming ill, being injured or dying during the period of insurance, as long as the expenses are necessary and the costs reasonable.
(e) The cost of funeral expenses abroad up to £1,000 or of bringing your body or ashes home.

Section 8 - Personal Baggage
You are covered for
c) Personal Money
Up to £500 (limited to £250 for cash losses) if your own money is lost or stolen whilst being carried on your person or left in a locked safety deposit box.
NOTE - if you are aged under 16, claims under Personal Money are limited to £50 overall.
You are not covered
1. for the first £50 of each and every incident per each insured person involved in the incident, unless you have paid the excess waiver premium;
2. if you do not exercise reasonable care for the safety and supervision of your property;
3. if you do not obtain a written police report within 24 hours of the discovery in the event of loss, burglary or theft of personal baggage, valuables or money;
4. if your personal baggage is lost, damaged or delayed in transit, if you do not:
(a) notify the carrier (i.e. airline, shipping company, etc) immediately and obtain a written carriers report (or Property Irregularity Report in the case of an airline) or,
(b) follow up in writing within 7 days to obtain a written carriers report (or Property Irregularity Report in the case of an airline), if you are unable to obtain one immediately
5. for loss, destruction, damage or theft:
(a) from confiscation or detention by customs or other officials or authorities;
(b) of contact lenses, dentures, hearing aids, samples or merchandise, bonds, coupons, securities, stamps or documents of any kind, vehicles or vehicle accessories (other than wheelchairs and pushchairs only), tents, antiques, musical instruments, pictures, typewriters, mobile telephones, computers and/or accessories, televisions, sports equipment whilst in use, pedal cycles, dinghies, boats and/or ancillary equipment,
glass or china;
(c) due to wear and tear, denting or scratching, moths or vermin;
(d) of valuables left as 'checked-in' baggage;
(e) of valuables left in a vehicle at any time;
(f) of valuables left unattended unless in locked accommodation, a safe or a safety deposit box;
(g) caused by deterioration, or mechanical derangement of any kind.
(h) to winter sports equipment (see optional winter sports insurance sections 14-17)
6. for breakage of fragile or brittle articles being transported by a carrier, unless the breakage is due to fire or other accident to the vessel, aircraft or vehicle they are being carried in;
7. for personal baggage:
(a) stolen from an unattended vehicle, unless it was in the locked glove compartment, or rear boot or luggage area of the vehicle and is covered so as not to be visible from outside the vehicle, and there is evidence of forcible and violent entry;
(b) left in a vehicle overnight;
8. for any shortages due to error, omission or depreciation in value;
9. for any property more specifically insured or recoverable under any other source;
10. for anything mentioned in the General Exclusions.

Section 13 - Legal Expenses
This Section of cover is arranged by Ultimate Legal Services on behalf of certain underwriters at Lloyd's
You are covered for
Up to a maximum of £25,000 for your legal costs and expenses incurred to claim for compensation or damages if you are injured or you die during the period of your trip.
NOTE - Ultimate Legal Services shall have control over the legal proceedings and the selection, appointment and control of a solicitor.
You are not covered for
1. costs incurred in the pursuit of any claims against underwriting syndicates of Lloyd's or us;
2. legal expenses incurred either prior to the granting of support by Ultimate Legal Services or without their written consent;
3. any claim reported to Ultimate Legal Services more than 180 days after the commencement of the incident giving rise to the claim;
4. any claim where Ultimate Legal Services consider that your prospects of success in achieving a reasonable benefit are insufficient.

Section 9 - Passport and/or Driving Licence
NOTE You are not covered for the actual cost of your replacement passport. See instead section 8c Personal Money
You are covered for
Up to £250 for reasonable additional travel or accommodation expenses you incur abroad in obtaining a new passport and/or driving licence, if your passport and/or driving licence is lost or stolen.
You are not covered for
1. if you do not exercise reasonable care for the safety or supervision of your passport and/or driving licence;
2. if you do not obtain a written police report within 24 hours of the loss,
3. for loss, destruction or damage arising from confiscation or detention by customs or other officials or authorities;
4. for anything mentioned in the General Exclusions.

Section 9 - Passport and/or Driving Licence
NOTE You are not covered for the actual cost of your replacement passport. See instead section 8c Personal Money
You are covered for
Up to £250 for reasonable additional travel or accommodation expenses you incur abroad in obtaining a new passport and/or driving licence, if your passport and/or driving licence is lost or stolen.
You are not covered for
1. if you do not exercise reasonable care for the safety or supervision of your passport and/or driving licence;
2. if you do not obtain a written police report within 24 hours of the loss,
3. for loss, destruction or damage arising from confiscation or detention by customs or other officials or authorities;
4. for anything mentioned in the General Exclusions.

Section 12 - Mugging Benefit
You are covered for
A benefit of £50 per full 24 hours up to a maximum of £1,000, in addition to any medical expenses incurred under Sections 6 and 7 of this policy if you are mugged and, as a result of your injuries received from the mugging, are admitted as an inpatient to a registered hospital abroad.
You are not covered for
1. if you do not obtain a police report of the mugging and confirmation of your injuries and period of in-patient treatment from the hospital;
2. for anything mentioned in the General Exclusions.

Section 11 - Hijack
You are covered for
A benefit of £50 per full 24 hours up to a maximum of £1,000 for the duration of the hijack.
You are not covered for
1. for business travel;
2. if you or your family or your business connections have engaged in activities that could be expected to increase the risk of hijack;
3. for anything mentioned in the General Exclusions.

Section 14 - Ski Equipment
You are covered for
a) Ski Equipment
Up to £400 for the value or repair of your own ski equipment (after making proper allowance for wear and tear and loss of value) or hired ski equipment, if they are lost, stolen or damaged during your trip, limited to £300 for any one item, pair or set.
b) Ski Hire
For £100 per week up to a maximum of £200 in all for the reasonable cost of hiring replacement ski equipment as a result of the accidental loss, theft or damage of your own ski equipment during the Period of Insurance.
c) Delayed Ski Equipment
Up to £100 towards the cost of hiring replacement ski equipment necessities, if your own ski equipment is delayed in reaching you on your outward journey for at least 12 hours and you have a written report from the carrier (i.e. airline, shipping company etc.) or tour representative. Receipts will be necessary in the event of a claim.
NOTE - If your ski equipment proves to be permanently lost and we agree to pay a claim under section a), we will deduct any amount we have already paid under section c)
The maximum amount we will pay in total, if you claim under benefits a, b and c of this section, is £600.
You are not covered
1. for the first £50 of each and every incident per each insured person under section a) unless you have paid the excess waiver premium;
2. if you do not exercise reasonable care for the safety and supervision of your own or your hired ski equipment;
3. if you do not obtain a written police report within 24 hours of the discovery in the event of loss, burglary or theft of your own or your hired ski equipment;
4. if your own or your hired ski equipment is lost, damaged or delayed in transit, if you do not:
(a) notify the carrier (i.e. airline, shipping company etc.) immediately and obtain a written carriers report (or Property Irregularity Report in the case of an airline) or,
(b) follow up in writing within 7 days to obtain a written carriers report (or Property Irregularity Report in the case of an airline), if you are unable to obtain one immediately;
5. for loss, destruction, damage or theft from confiscation or detention by customs or other officials or authorities;
6. for your own or your hired ski equipment:
(a) stolen from an unattended vehicle, unless it was in the boot or luggage area of the vehicle and is covered so as not to be visible from outside the vehicle and there is evidence of forcible and violent entry, or from a roof rack (unless the vehicle is parked within sight of you);
(b) there is no cover for personal baggage left in a vehicle overnight;
7. for anything mentioned in the General Exclusions.

Section 14 - Ski Equipment
You are covered for
a) Ski Equipment
Up to £400 for the value or repair of your own ski equipment (after making proper allowance for wear and tear and loss of value) or hired ski equipment, if they are lost, stolen or damaged during your trip, limited to £300 for any one item, pair or set.
b) Ski Hire
For £100 per week up to a maximum of £200 in all for the reasonable cost of hiring replacement ski equipment as a result of the accidental loss, theft or damage of your own ski equipment during the Period of Insurance.
c) Delayed Ski Equipment
Up to £100 towards the cost of hiring replacement ski equipment necessities, if your own ski equipment is delayed in reaching you on your outward journey for at least 12 hours and you have a written report from the carrier (i.e. airline, shipping company etc.) or tour representative. Receipts will be necessary in the event of a claim.
NOTE - If your ski equipment proves to be permanently lost and we agree to pay a claim under section a), we will deduct any amount we have already paid under section c)
The maximum amount we will pay in total, if you claim under benefits a, b and c of this section, is £600.
You are not covered
1. for the first £50 of each and every incident per each insured person under section a) unless you have paid the excess waiver premium;
2. if you do not exercise reasonable care for the safety and supervision of your own or your hired ski equipment;
3. if you do not obtain a written police report within 24 hours of the discovery in the event of loss, burglary or theft of your own or your hired ski equipment;
4. if your own or your hired ski equipment is lost, damaged or delayed in transit, if you do not:
(a) notify the carrier (i.e. airline, shipping company etc.) immediately and obtain a written carriers report (or Property Irregularity Report in the case of an airline) or,
(b) follow up in writing within 7 days to obtain a written carriers report (or Property Irregularity Report in the case of an airline), if you are unable to obtain one immediately;
5. for loss, destruction, damage or theft from confiscation or detention by customs or other officials or authorities;
6. for your own or your hired ski equipment:
(a) stolen from an unattended vehicle, unless it was in the boot or luggage area of the vehicle and is covered so as not to be visible from outside the vehicle and there is evidence of forcible and violent entry, or from a roof rack (unless the vehicle is parked within sight of you);
(b) there is no cover for personal baggage left in a vehicle overnight;
7. for anything mentioned in the General Exclusions.

Section 14 - Ski Equipment
You are covered for
a) Ski Equipment
Up to £400 for the value or repair of your own ski equipment (after making proper allowance for wear and tear and loss of value) or hired ski equipment, if they are lost, stolen or damaged during your trip, limited to £300 for any one item, pair or set.
b) Ski Hire
For £100 per week up to a maximum of £200 in all for the reasonable cost of hiring replacement ski equipment as a result of the accidental loss, theft or damage of your own ski equipment during the Period of Insurance.
c) Delayed Ski Equipment
Up to £100 towards the cost of hiring replacement ski equipment necessities, if your own ski equipment is delayed in reaching you on your outward journey for at least 12 hours and you have a written report from the carrier (i.e. airline, shipping company etc.) or tour representative. Receipts will be necessary in the event of a claim.
NOTE - If your ski equipment proves to be permanently lost and we agree to pay a claim under section a), we will deduct any amount we have already paid under section c)
The maximum amount we will pay in total, if you claim under benefits a, b and c of this section, is £600.
You are not covered
1. for the first £50 of each and every incident per each insured person under section a) unless you have paid the excess waiver premium;
2. if you do not exercise reasonable care for the safety and supervision of your own or your hired ski equipment;
3. if you do not obtain a written police report within 24 hours of the discovery in the event of loss, burglary or theft of your own or your hired ski equipment;
4. if your own or your hired ski equipment is lost, damaged or delayed in transit, if you do not:
(a) notify the carrier (i.e. airline, shipping company etc.) immediately and obtain a written carriers report (or Property Irregularity Report in the case of an airline) or,
(b) follow up in writing within 7 days to obtain a written carriers report (or Property Irregularity Report in the case of an airline), if you are unable to obtain one immediately;
5. for loss, destruction, damage or theft from confiscation or detention by customs or other officials or authorities;
6. for your own or your hired ski equipment:
(a) stolen from an unattended vehicle, unless it was in the boot or luggage area of the vehicle and is covered so as not to be visible from outside the vehicle and there is evidence of forcible and violent entry, or from a roof rack (unless the vehicle is parked within sight of you);
(b) there is no cover for personal baggage left in a vehicle overnight;
7. for anything mentioned in the General Exclusions.

Section 15 - Ski Pack
You are covered for
Up to £100 per week up to a maximum of £200 in all for the unused portion of your ski pack costs paid for or contracted to be paid for before your trip commenced, where you do not curtail the trip, but are certified by a medical practitioner in the resort as being unable to ski and unable to use the ski pack facilities because of serious injury or illness occurring during the trip and where there is confirmation that no refund is available for the unused items.
You are not covered for
1. for claims that are not confirmed as medically necessary by Assistance International and where a medical certificate has not been obtained from the attending medical practitioner abroad confirming that you are unable to ski and unable to use the ski pack facilities;
2. for anything mentioned under You are not covered' of Section 6 - Medical Emergency Expenses;
3. for anything mentioned in the General Exclusions.

Section 16 - Piste Closure
This section of cover does not apply for trips within the United Kingdom.
Cover is only available under this Section between 1st December to 31st May.
If there is a lack of snow or too much snow in your resort and it closes, which prevents you from skiing;
You are covered for
1. a benefit of £10 per day towards the costs you have to pay to travel to another resort (for as long as these conditions exist at the resort, but not exceeding the pre-booked Period of Insurance of your trip) to a maximum of £300, or;
2 a benefit of £20 for each full day you are unable to ski, up to £300, if there is no other resort available.
You are not covered for
1. claims where you have not obtained confirmation of resort closure from the local representative;
2. claims where not all skiing facilities are totally closed;
3. claims where the adverse snow conditions are known or are public knowledge at the time of effecting this insurance;
4. anything mentioned in the General Exclusions.

Section 16 - Piste Closure
This section of cover does not apply for trips within the United Kingdom.
Cover is only available under this Section between 1st December to 31st May.
If there is a lack of snow or too much snow in your resort and it closes, which prevents you from skiing;
You are covered for
1. a benefit of £10 per day towards the costs you have to pay to travel to another resort (for as long as these conditions exist at the resort, but not exceeding the pre-booked Period of Insurance of your trip) to a maximum of £300, or;
2 a benefit of £20 for each full day you are unable to ski, up to £300, if there is no other resort available.
You are not covered for
1. claims where you have not obtained confirmation of resort closure from the local representative;
2. claims where not all skiing facilities are totally closed;
3. claims where the adverse snow conditions are known or are public knowledge at the time of effecting this insurance;
4. anything mentioned in the General Exclusions.

Section 16 - Piste Closure
This section of cover does not apply for trips within the United Kingdom.
Cover is only available under this Section between 1st December to 31st May.
If there is a lack of snow or too much snow in your resort and it closes, which prevents you from skiing;
You are covered for
1. a benefit of £10 per day towards the costs you have to pay to travel to another resort (for as long as these conditions exist at the resort, but not exceeding the pre-booked Period of Insurance of your trip) to a maximum of £300, or;
2 a benefit of £20 for each full day you are unable to ski, up to £300, if there is no other resort available.
You are not covered for
1. claims where you have not obtained confirmation of resort closure from the local representative;
2. claims where not all skiing facilities are totally closed;
3. claims where the adverse snow conditions are known or are public knowledge at the time of effecting this insurance;
4. anything mentioned in the General Exclusions.

Section 17 - Avalanche Closure
You are covered for
Up to £200 for reasonable additional travel and accommodation expenses necessarily incurred to reach your booked destination if, as a direct result of an avalanche, your transfer from or to your pre-booked resort is delayed.
You are not covered for
1. anything mentioned under 'You are not covered' in Section 3 -Missed Departure;
2. anything mentioned in the General Exclusions.

Section 14 - Ski Equipment
You are covered for
a) Ski Equipment
Up to £400 for the value or repair of your own ski equipment (after making proper allowance for wear and tear and loss of value) or hired ski equipment, if they are lost, stolen or damaged during your trip, limited to £300 for any one item, pair or set.
b) Ski Hire
For £100 per week up to a maximum of £200 in all for the reasonable cost of hiring replacement ski equipment as a result of the accidental loss, theft or damage of your own ski equipment during the Period of Insurance.
c) Delayed Ski Equipment
Up to £100 towards the cost of hiring replacement ski equipment necessities, if your own ski equipment is delayed in reaching you on your outward journey for at least 12 hours and you have a written report from the carrier (i.e. airline, shipping company etc.) or tour representative. Receipts will be necessary in the event of a claim.
NOTE - If your ski equipment proves to be permanently lost and we agree to pay a claim under section a), we will deduct any amount we have already paid under section c)
The maximum amount we will pay in total, if you claim under benefits a, b and c of this section, is £600.
You are not covered
1. for the first £50 of each and every incident per each insured person under section a) unless you have paid the excess waiver premium;
2. if you do not exercise reasonable care for the safety and supervision of your own or your hired ski equipment;
3. if you do not obtain a written police report within 24 hours of the discovery in the event of loss, burglary or theft of your own or your hired ski equipment;
4. if your own or your hired ski equipment is lost, damaged or delayed in transit, if you do not:
(a) notify the carrier (i.e. airline, shipping company etc.) immediately and obtain a written carriers report (or Property Irregularity Report in the case of an airline) or,
(b) follow up in writing within 7 days to obtain a written carriers report (or Property Irregularity Report in the case of an airline), if you are unable to obtain one immediately;
5. for loss, destruction, damage or theft from confiscation or detention by customs or other officials or authorities;
6. for your own or your hired ski equipment:
(a) stolen from an unattended vehicle, unless it was in the boot or luggage area of the vehicle and is covered so as not to be visible from outside the vehicle and there is evidence of forcible and violent entry, or from a roof rack (unless the vehicle is parked within sight of you);
(b) there is no cover for personal baggage left in a vehicle overnight;
7. for anything mentioned in the General Exclusions.

Section 14 - Ski Equipment
You are covered for
a) Ski Equipment
Up to £400 for the value or repair of your own ski equipment (after making proper allowance for wear and tear and loss of value) or hired ski equipment, if they are lost, stolen or damaged during your trip, limited to £300 for any one item, pair or set.
b) Ski Hire
For £100 per week up to a maximum of £200 in all for the reasonable cost of hiring replacement ski equipment as a result of the accidental loss, theft or damage of your own ski equipment during the Period of Insurance.
c) Delayed Ski Equipment
Up to £100 towards the cost of hiring replacement ski equipment necessities, if your own ski equipment is delayed in reaching you on your outward journey for at least 12 hours and you have a written report from the carrier (i.e. airline, shipping company etc.) or tour representative. Receipts will be necessary in the event of a claim.
NOTE - If your ski equipment proves to be permanently lost and we agree to pay a claim under section a), we will deduct any amount we have already paid under section c)
The maximum amount we will pay in total, if you claim under benefits a, b and c of this section, is £600.
You are not covered
1. for the first £50 of each and every incident per each insured person under section a) unless you have paid the excess waiver premium;
2. if you do not exercise reasonable care for the safety and supervision of your own or your hired ski equipment;
3. if you do not obtain a written police report within 24 hours of the discovery in the event of loss, burglary or theft of your own or your hired ski equipment;
4. if your own or your hired ski equipment is lost, damaged or delayed in transit, if you do not:
(a) notify the carrier (i.e. airline, shipping company etc.) immediately and obtain a written carriers report (or Property Irregularity Report in the case of an airline) or,
(b) follow up in writing within 7 days to obtain a written carriers report (or Property Irregularity Report in the case of an airline), if you are unable to obtain one immediately;
5. for loss, destruction, damage or theft from confiscation or detention by customs or other officials or authorities;
6. for your own or your hired ski equipment:
(a) stolen from an unattended vehicle, unless it was in the boot or luggage area of the vehicle and is covered so as not to be visible from outside the vehicle and there is evidence of forcible and violent entry, or from a roof rack (unless the vehicle is parked within sight of you);
(b) there is no cover for personal baggage left in a vehicle overnight;
7. for anything mentioned in the General Exclusions.

Assistance International - 24 Hour worldwide emergency service. This service is only for real emergencies
If you need help in an emergency, please call: + 44 23 80644633
The numbers from the countries most often visited are as follows:
France, Greece, Portugal, Spain and Italy    00 44 23 8064 4633
USA and Canada       011 44 23 8064 4633
Fax number        + 44 23 8064 4616
Information needed in medical emergencies
- Your name and address, and your phone number or fax number abroad
- That you have an Alliance and Leicester travel policy
- Your policy number shown on the schedule
- The details of your booked outward and return journeys
- The type of help you need
If you go into hospital abroad and you 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
Getting you home after a medical emergency
If you are too ill to return home using your return travel tickets, Assistance International can arrange other travel for you. In special circumstances, they will arrange a road or air ambulance. Before you travel, the doctors looking after you must provide a certificate confirming that it is medically necessary for you to return home and that you are fir to travel. The conditions of section 2 'Medical and Emergency expenses' and condition 5 of the general conditions that apply to all sections also apply to the service provided by Assistance International
Paying medical fees
If possible, you should pay for your medical treatment and then claim these costs back when you return home. If you cannot pay the medical costs out of your own money, contact Assistance International.

Section 8 - Personal Baggage
You are covered for
a) Personal Baggage
Up to £1,500 (extended to £2,000 as a Christmas Special from 15th December until 15th January only) for the value or repair of any of your own personal baggage (not hired, loaned or entrusted to you), which is lost, stolen, damaged or destroyed (after making proper allowance for wear and tear and loss of value). Limited to £300 for all valuables in total, limited to £300 for single and/or a pair or set of articles, limited to £300 for all golf equipment.
NOTE - In the event of a claim for a pair or set of articles we shall be liable only for the value of that part of the pair or set, which is lost, stolen, damaged or destroyed.
b) Delayed Personal Baggage
Up to £100 for the first full 12 hours delay and up to £100 for the next full 12 hours delay immediately after that towards the cost of buying replacement necessities if your own personal baggage is delayed in reaching you on your outward journey, and you have a written report from the carrier (i.e. airline, shipping company etc). Receipts will be necessary in the event of a claim.
NOTE If your personal baggage proves to be permanently lost and we agree to pay a claim under section a), we will deduct any amount we have already paid under section b)
c) Personal Money
Up to £500 (limited to £250 for cash losses) if your own money is lost or stolen whilst being carried on your person or left in a locked safety deposit box.
NOTE - if you are aged under 16, claims under Personal Money are limited to £50 overall.
You are not covered
1. for the first £50 of each and every incident per each insured person involved in the incident, unless you have paid the excess waiver premium;
2. if you do not exercise reasonable care for the safety and supervision of your property;
3. if you do not obtain a written police report within 24 hours of the discovery in the event of loss, burglary or theft of personal baggage, valuables or money;
4. if your personal baggage is lost, damaged or delayed in transit, if you do not:
(a) notify the carrier (i.e. airline, shipping company, etc) immediately and obtain a written carriers report (or Property Irregularity Report in the case of an airline) or,
(b) follow up in writing within 7 days to obtain a written carriers report (or Property Irregularity Report in the case of an airline), if you are unable to obtain one immediately
5. for loss, destruction, damage or theft:
(a) from confiscation or detention by customs or other officials or authorities;
(b) of contact lenses, dentures, hearing aids, samples or merchandise, bonds, coupons, securities, stamps or documents of any kind, vehicles or vehicle accessories (other than wheelchairs and pushchairs only), tents, antiques, musical instruments, pictures, typewriters, mobile telephones, computers and/or accessories, televisions, sports equipment whilst in use, pedal cycles, dinghies, boats and/or ancillary equipment,
glass or china;
(c) due to wear and tear, denting or scratching, moths or vermin;
(d) of valuables left as 'checked-in' baggage;
(e) of valuables left in a vehicle at any time;
(f) of valuables left unattended unless in locked accommodation, a safe or a safety deposit box;
(g) caused by deterioration, or mechanical derangement of any kind.
(h) to winter sports equipment (see optional winter sports insurance sections 14-17)
6. for breakage of fragile or brittle articles being transported by a carrier, unless the breakage is due to fire or other accident to the vessel, aircraft or vehicle they are being carried in;
7. for personal baggage:
(a) stolen from an unattended vehicle, unless it was in the locked glove compartment, or rear boot or luggage area of the vehicle and is covered so as not to be visible from outside the vehicle, and there is evidence of forcible and violent entry;
(b) left in a vehicle overnight;
8. for any shortages due to error, omission or depreciation in value;
9. for any property more specifically insured or recoverable under any other source;
10. for anything mentioned in the General Exclusions.

Section 8 - Personal Baggage
You are covered for
a) Personal Baggage
Up to £1,500 (extended to £2,000 as a Christmas Special from 15th December until 15th January only) for the value or repair of any of your own personal baggage (not hired, loaned or entrusted to you), which is lost, stolen, damaged or destroyed (after making proper allowance for wear and tear and loss of value). Limited to £300 for all valuables in total, limited to £300 for single and/or a pair or set of articles, limited to £300 for all golf equipment.
NOTE - In the event of a claim for a pair or set of articles we shall be liable only for the value of that part of the pair or set, which is lost, stolen, damaged or destroyed.
b) Delayed Personal Baggage
Up to £100 for the first full 12 hours delay and up to £100 for the next full 12 hours delay immediately after that towards the cost of buying replacement necessities if your own personal baggage is delayed in reaching you on your outward journey, and you have a written report from the carrier (i.e. airline, shipping company etc). Receipts will be necessary in the event of a claim.
NOTE If your personal baggage proves to be permanently lost and we agree to pay a claim under section a), we will deduct any amount we have already paid under section b)
c) Personal Money
Up to £500 (limited to £250 for cash losses) if your own money is lost or stolen whilst being carried on your person or left in a locked safety deposit box.
NOTE - if you are aged under 16, claims under Personal Money are limited to £50 overall.
You are not covered
1. for the first £50 of each and every incident per each insured person involved in the incident, unless you have paid the excess waiver premium;
2. if you do not exercise reasonable care for the safety and supervision of your property;
3. if you do not obtain a written police report within 24 hours of the discovery in the event of loss, burglary or theft of personal baggage, valuables or money;
4. if your personal baggage is lost, damaged or delayed in transit, if you do not:
(a) notify the carrier (i.e. airline, shipping company, etc) immediately and obtain a written carriers report (or Property Irregularity Report in the case of an airline) or,
(b) follow up in writing within 7 days to obtain a written carriers report (or Property Irregularity Report in the case of an airline), if you are unable to obtain one immediately
5. for loss, destruction, damage or theft:
(a) from confiscation or detention by customs or other officials or authorities;
(b) of contact lenses, dentures, hearing aids, samples or merchandise, bonds, coupons, securities, stamps or documents of any kind, vehicles or vehicle accessories (other than wheelchairs and pushchairs only), tents, antiques, musical instruments, pictures, typewriters, mobile telephones, computers and/or accessories, televisions, sports equipment whilst in use, pedal cycles, dinghies, boats and/or ancillary equipment,
glass or china;
(c) due to wear and tear, denting or scratching, moths or vermin;
(d) of valuables left as 'checked-in' baggage;
(e) of valuables left in a vehicle at any time;
(f) of valuables left unattended unless in locked accommodation, a safe or a safety deposit box;
(g) caused by deterioration, or mechanical derangement of any kind.
(h) to winter sports equipment (see optional winter sports insurance sections 14-17)
6. for breakage of fragile or brittle articles being transported by a carrier, unless the breakage is due to fire or other accident to the vessel, aircraft or vehicle they are being carried in;
7. for personal baggage:
(a) stolen from an unattended vehicle, unless it was in the locked glove compartment, or rear boot or luggage area of the vehicle and is covered so as not to be visible from outside the vehicle, and there is evidence of forcible and violent entry;
(b) left in a vehicle overnight;
8. for any shortages due to error, omission or depreciation in value;
9. for any property more specifically insured or recoverable under any other source;
10. for anything mentioned in the General Exclusions.

Section 1 - Cancellation
You are covered for
Up to £5,000 for unused travel and accommodation charges which are not recoverable elsewhere and which you have paid or contracted to pay should you have to cancel your trip before you leave your home or place of business as a result of one of the following commencing during the period of insurance:
1. the death or disablement by bodily injury, illness, pregnancy where it is confirmed by a medical practitioner that you are unfit to take the trip, or being subject to quarantine of;
(a) you,
(b) any person you are intending to travel or stay with,
(c) an immediate relative of yours or of any person you are intending to travel with or
(d) a close business associate of yours;
2. you being called for jury service or as a witness (but not as an expert witness or where your employment would normally require you to attend court) in a Court of Law;
3. your redundancy or the redundancy of any person you are intending to travel with, provided that we are informed in writing immediately when notification of redundancy is received and that you were not aware of any impending redundancy at the time of booking your trip(s);
4. your home or place of business being made uninhabitable, up to 14 days before the commencement of your trip, due to fire, lightning, explosion, earthquake, subsidence, storm, flood, falling trees, riot or civil commotion, malicious damage, burst pipes, impact by aircraft or the police requesting your presence following burglary or attempted burglary at your home or place of business.
You are not covered for
1. claims where a medical certificate has not been obtained from a medical practitioner, confirming that cancellation of the trip is medically necessary;
2. the first £50 of each and every incident per each insured person involved in the incident (£10 for loss of deposit claims only), unless you have paid the excess waiver premium;
3. If you do not tell the travel agent, tour operator, or organisation 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.
4. anything caused directly or indirectly by:
(a) prohibitive regulations by the Government of any country.
(b) anything mentioned in the General Exclusions.
(c) your disinclination to travel.
Section 2 - Curtailment
Curtailment is only applicable if your return to the United Kingdom during the period of insurance is earlier than planned.
This section includes the services of Assistance International (details shown on page 35) who must be contacted immediately in the event of a serious injury, illness or hospitalisation, where repatriation has to be
considered.
You are covered for
Up to £5,000 for:
1. The value of the portion of your travel and accommodation arrangements which have not been used and which were paid for before your departure from the United Kingdom (including your ski pack, which does not have to be paid for before your departure from the United Kingdom, in respect of winter sports trips where the appropriate premium has been paid), if you, and where appropriate a companion covered by this policy, have to curtail your trip and return to your home earlier than planned due to:
(a) the death, severe injury or serious illness of:
(i) you or any person you are travelling with;
(ii) an immediate relative of yours resident in the United Kingdom;
(iii) a close business associate of yours resident in the United Kingdom.
(b) your home or place of business being made uninhabitable due to fire, lightning, explosion, earthquake, subsidence, storm, flood, falling trees, riot or civil commotion, malicious damage, burst pipes, impact by aircraft or the police requesting your presence following burglary or attempted burglary at your home or place of business. The proportionate value of costs will be calculated from the date of return to the United Kingdom.
2. Reasonable additional travelling expenses incurred by you for returning to the United Kingdom (Economy Class) earlier than planned for a reason stated under benefit 1 of this section.
You are not covered for
1. the first £50 of each and every incident per each insured person involved in the incident, unless you have paid the excess waiver premium;
2. claims that are not confirmed as medically necessary by Assistance International, and where a medical certificate has not been obtained from the attending medical practitioner abroad confirming it is necessary to curtail the trip and that you are fit to travel;
3. additional travelling expenses incurred which are not authorised either by us or Assistance International, as detailed on page 35;
4. anything mentioned in the General Exclusions.
NOTE - It is a requirement of this Insurance that you contact Assistance International immediately if you wish to return home for any reason listed under this section (or by any method other than as originally planned). Failure to do so will affect your claim.

Section 3 - Missed Departure
This section does not apply to trips within the United Kingdom (except for trips to the Channel Islands or to the Isle of Man).
You are covered for
Up to £1,000 for the cost of reasonable extra travel and accommodation expenses to allow you to carry on with your trip if one of the following takes place during the period of insurance:
1 Labour dispute, civil disturbance, mechanical breakdown or bad weather which interrupts scheduled public transport services including booked connecting flights;
2 An accident or breakdown involving the vehicle in which you are travelling and which causes you to arrive at the airport, port or station you are leaving from on your outward or return journey too late to start the journey you have booked;
3 A road traffic accident involving another vehicle en route to the airport, port or station you are leaving from on your outward or return journey, which causes you to arrive too late to start the outward or return journey you had booked.
You are not covered
1. if sufficient time has not been allowed for your journey;
2. if, in the case of a labour dispute, the dispute is announced and begins before the start of the period of insurance.
3. if, in the case of your vehicle breaking down or being involved in an accident, you do not send us a repairers report or police accident report.
4. if, in the case of another vehicle being involved in an accident, you do not send us confirmation from the police or motoring authorities (e.g. highways Agency, RAC, AA etc) to confirm the delay.
5. if you are not proceeding directly to the departure point;
6. for anything mentioned in the General Exclusions.

Section 4 - Travel Delay
This section does not apply to trips within the United Kingdom (except for trips to the Channel Islands or to the Isle of Man).
You are covered for
1. For a benefit of £20 for each full 12 hours you are delayed up to a maximum of £100 (regardless of the number of incidents of delay) or
2. Up to £5,000 if you abandon the trip after the first full 12 hours; if your outward flight, sea crossing or train departure from the United Kingdom is delayed for more than 12 hours beyond the intended departure time (as specified on the travel ticket) as a result of:
(a) strike or industrial action (provided that when this policy was taken out, there was no reasonable expectation that the trip would be affected by such cause);
(b) adverse weather conditions;
(c) mechanical breakdown or technical fault of the aircraft, train or sea vessel.
You are not covered
1. if you do not 'check-in' for the flights, sea crossing or train departure before the intended departure time;
2. if you do not obtain written confirmation from the airline, shipping or train company stating the period and the reason for the delay,
3. for any claims arising from withdrawal from service temporarily or otherwise of the aircraft, train or sea vessels on the orders or recommendation of the Civil Aviation Authority or a Port Authority or similar body in any Country;
4. for the first £50 of each and every incident per each insured person involved in the incident unless you have paid the excess waiver premium. (this is only applicable if you abandon the trip);
5. for anything mentioned in the General Exclusions.

Section 4 - Travel Delay
This section does not apply to trips within the United Kingdom (except for trips to the Channel Islands or to the Isle of Man).
You are covered for
1. For a benefit of £20 for each full 12 hours you are delayed up to a maximum of £100 (regardless of the number of incidents of delay) or
2. Up to £5,000 if you abandon the trip after the first full 12 hours; if your outward flight, sea crossing or train departure from the United Kingdom is delayed for more than 12 hours beyond the intended departure time (as specified on the travel ticket) as a result of:
(a) strike or industrial action (provided that when this policy was taken out, there was no reasonable expectation that the trip would be affected by such cause);
(b) adverse weather conditions;
(c) mechanical breakdown or technical fault of the aircraft, train or sea vessel.
You are not covered
1. if you do not 'check-in' for the flights, sea crossing or train departure before the intended departure time;
2. if you do not obtain written confirmation from the airline, shipping or train company stating the period and the reason for the delay,
3. for any claims arising from withdrawal from service temporarily or otherwise of the aircraft, train or sea vessels on the orders or recommendation of the Civil Aviation Authority or a Port Authority or similar body in any Country;
4. for the first £50 of each and every incident per each insured person involved in the incident unless you have paid the excess waiver premium. (this is only applicable if you abandon the trip);
5. for anything mentioned in the General Exclusions.

Section 10 - Personal Liability
You are covered for
Up to a maximum of £2,000,000 for your legal liability for damages which were caused by an accident that happened during the trip, which leads to claims made against you for:
1. accidental bodily injury to a person who is not a member of your family, household or employed by you or is not your travelling companion;
2. loss of or damage to any property which does not belong to, is not in the charge of, and is not in the control of you, or any member of your family, household or employee;
3. damage to your temporary holiday accommodation that does not belong to you or any member of your family, household or employee.
You are not covered for
1. fines imposed by a Court of Law or other relevant bodies,
2. anything caused directly or indirectly by:-
(a) liability which you are responsible for, because of an agreement that was made;
(b) injury, loss or damage arising from:-
(i) ownership or use of aircraft, horse-drawn or mechanical/motorised vehicles, bicycles, vessels (other than rowing boats, punts or canoes), animals (other than horses, domestic dogs or cats), or firearms;
(ii) the occupation (except temporarily for the purpose of the trip) or ownership of any land or buildings;
(iii) the carrying out of any trade or profession;
(iv) racing of any kind;
(v) any deliberate act;
(c) liability covered under any other insurance policy;
3. anything mentioned in the General Exclusions.
NOTE - If you are using a mechanical/ motorised vehicle, make sure that you are adequately insured for third party cover, as you are not covered under this insurance.

Assistance International - 24 Hour worldwide emergency service. This service is only for real emergencies
If you need help in an emergency, please call: + 44 23 80644633
The numbers from the countries most often visited are as follows:
France, Greece, Portugal, Spain and Italy    00 44 23 8064 4633
USA and Canada       011 44 23 8064 4633
Fax number        + 44 23 8064 4616
Information needed in medical emergencies
- Your name and address, and your phone number or fax number abroad
- That you have an Alliance and Leicester travel policy
- Your policy number shown on the schedule
- The details of your booked outward and return journeys
- The type of help you need
If you go into hospital abroad and you 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
Getting you home after a medical emergency
If you are too ill to return home using your return travel tickets, Assistance International can arrange other travel for you. In special circumstances, they will arrange a road or air ambulance. Before you travel, the doctors looking after you must provide a certificate confirming that it is medically necessary for you to return home and that you are fir to travel. The conditions of section 2 'Medical and Emergency expenses' and condition 5 of the general conditions that apply to all sections also apply to the service provided by Assistance International
Paying medical fees
If possible, you should pay for your medical treatment and then claim these costs back when you return home. If you cannot pay the medical costs out of your own money, contact Assistance International.

Hazardous activities
Your policy does not provide cover for Hazardous Activities.
The list below provides further indication of some of the activities for which you are NOT covered. However, if you intend to undertake any hazardous activity which dies not fall squarely within any of the categories listed below or listed within the general conditions on page 29, you must contact us on 0800 587 5046 to check whether or not you are covered or whether cover is available upon payment of an additional premium
Please also refer to the general conditions on page 29.
Some of the activities you are not covered for:
American Football
Big Game Hunting
BMX Stunt Riding
Boxing
Caving
Extreme Sports
Fencing
Flying (except as a fare paying passenger)
Gliding
Go Karting (over 120cc)
Hang Gliding
HIgh Diving
Ice Hockey
Manual Work
Martial Arts
Micro lighting
Motor Rallying
Mountaineering
Parascending
Parachuting
Paragling
Polo
POt Holing
Professional or semi professional sports of any ind (including Football, Rugby, Cricket etc)
Rock Climbing
Safaris using firearms
Speed or endurance testes
Water Ski jumping
White Water Rafting
WInter sports holidays (except where the appropriate upgrade premium has been paid)
Wrestling
Yachting (except in coastal waters)
Please contact us on 0800 587 5026 if any hazardous activity you intend to undertake is not listed, or you require additional information.
Note: Under section 9 (Personal Liability), you will not be covered for liability caused directly or indirectly by you owing or using any aircraft, motorised vehicle, bot or any form of motorised leisure equipment.

General Exclusions that apply to all sections
You are not covered for
Anything directly or indirectly caused by:-
1. hazardous activities which have not been notified to and agreed by us - see pages 3 and 4 for examples of activities that are covered
- professional or organised sports,
- air travel other than as a fare paying passenger on a regular scheduled airline or licensed charter aircraft,
- motorcycling unless you or the driver holds a license which allows them to drive a motorbike,
- mountaineering or rock climbing
- your manual work or hazardous occupation of any kind,
- dangerous expeditions or crewing of a vessel outside of European waters,
- off piste skiing except whilst under the supervision of a qualified guide or instructor,
- ski jumping, ski or bob racing in International and National events and their heats, practice or training events;
2. your suicide, deliberately injuring yourself, being under the influence of drink or drugs (unless prescribed by a doctor) alcoholism, drug addiction, solvent abuse, willful exposure to exceptional risk (unless you are trying to save someone's life);
3. elective surgery or cosmetic surgery;
4. pregnancy within 8 weeks before the estimated date of delivery;
5. bankruptcy/liquidation of any tour operator, travel agent or transportation company;
6. consequential loss of any kind;
7. war, invasion, hostilities (whether war be declared or not), civil unrest, revolution, rebellion, act of foreign enemy or any similar event. (This does not apply to section 6 - Medical Emergency Expenses, while you are away from the United Kingdom. You must follow any relevant suggestions or recommendations made by any government or other authority before or during the period of insurance.);
8. acts of terrorism. (This does not apply to section 5 - Personal Accident, section 6 - Medical Emergency Expenses and section 8 - Personal Baggage while you are away from the United Kingdom. You must follow any relevant suggestions or recommendations made by any government or other authority before or during the period of insurance.).
9. loss or damage to any property and any expense or legal liability; directly or indirectly caused by contributed to by or arising from:-
(a) ionising radiations or radioactive contamination from any nuclear fuel or nuclear waste which results in burning of nuclear fuel;
(b) the radioactive, toxic, explosive or other dangerous properties of nuclear machinery or any part of it,
(c) pressure waves from aircraft and other flying objects travelling at sonic or supersonic speed;
10. the cost of any elective (non-emergency) treatment or surgery, including exploratory tests, which are not directly related to the illness or injury which necessitated your admittance into hospital;
11. any payment which you would normally have made during your travels, if nothing had gone wrong;
12. any amount you can get back from someone or somewhere else. This does not apply to claims for Personal Accident or Medical Inconvenience;
13. failure of any computer hardware or software or other electrical equipment to recognise or process any date as the true calendar date (this exclusion does not apply to claims made under Section 6 - Medical Emergency Expenses).
14. 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.

General Exclusions that apply to all sections
You are not covered for
Anything directly or indirectly caused by:-
8. acts of terrorism. (This does not apply to section 5 - Personal Accident, section 6 - Medical Emergency Expenses and section 8 - Personal Baggage while you are away from the United Kingdom. You must follow any relevant suggestions or recommendations made by any government or other authority before or during the period of insurance.).

General Exclusions that apply to all sections
You are not covered for
Anything directly or indirectly caused by:-
8. acts of terrorism. (This does not apply to section 5 - Personal Accident, section 6 - Medical Emergency Expenses and section 8 - Personal Baggage while you are away from the United Kingdom. You must follow any relevant suggestions or recommendations made by any government or other authority before or during the period of insurance.).

General Exclusions that apply to all sections
You are not covered for
Anything directly or indirectly caused by:-
13. failure of any computer hardware or software or other electrical equipment to recognise or process any date as the true calendar date (this exclusion does not apply to claims made under Section 6 - Medical Emergency Expenses).

Conditions that apply to all sections
1. No payment will be made under Sections 1, 2, 5, 6, 7, 12 or 15 without appropriate medical certification.
2. If we require any medical certificates, information, evidence and receipts, these must be obtained by you at your expense.
3. In the event of a claim, if we require a medical examination you must agree to this and in the event of death we are entitled to a post mortem examination both at our expense.
4. You must take all reasonable steps to recover any lost or stolen article.
5. If any claim is found to be fraudulent in any way this policy will not apply and all claims will be forfeited.
6. The original Schedule, plus any Schedules issued for upgrades must be produced before any claim is paid.
7. You must not make any payment, admit liability, offer or promise to make any payment without written consent from us.
8. We are entitled to take over any rights in the defence or settlement of any claim and to take proceedings in your name for our benefit against any other party.
9. If we pay a claim for damaged property, you must keep that damaged property so that we can inspect it. When payment has been made for that item, it will then belong to us.
10. We may at any time pay to you our full liability under the policy after which no further payments will be made in any respect.
11. It is a condition of this insurance that all material facts have been disclosed to us, as failure to do so may invalidate this insurance leaving you with no right to make a claim.
12. If at the time of making a claim there is any other policy covering the same risk we are entitled to contact that insurer for a contribution.
13. A person or company who is not a party to this policy has no right under the Contracts (Rights of Third Parties) Act 1999 to enforce any term of this policy but this does not affect any right or remedy of a third party which exists or is available apart from that Act.
14. Unless agreed otherwise, the contractual terms and conditions and other information relating to this contract will be in the English language.

7 Excesses
We will take an excess off each claim you make under certain sections of this insurance policy unless you have paid the excess waiver premium.
The amount you will have to pay towards a claim is shown under each section. If you want excess waiver, all the insured people named on the schedule must pay for it when you take out your travel insurance.
If we agree to a medical expenses claim (section 2) which has been reduced because you have used an E111 form, EHIC or private health insurance, you will not have to pay the excess.

Excesses
We will take an excess off each claim you make under certain sections of this insurance policy unless you have paid the excess waiver premium.
The amount you will have to pay towards a claim is shown under each section. If you want excess waiver, all the insured people named on the schedule must pay for it when you take out your travel insurance.
If we agree to a medical expenses claim (section 2) which has been reduced because you have used an E111 form, EHIC or private health insurance, you will not have to pay the excess.