Ansvar Lifestyle Connect Annual Multi-trip

Section 4 Medical and Other expenses, Hospital Benefit and Emergency Helpline
WHAT IS COVERED
If you become ill or suffer injury during a trip we will pay for all reasonable and necessary:
- medical, surgical and hospital or nursing home charges, ambulances, nursing costs, and emergency dental treatment needed to relieve pain, while outside of the United Kingdom
- costs of you returning to your home in the United Kingdom
- additional costs for accommodation
- additional travel from the United Kingdom and room only accommodation, for one relative or friend who on medical grounds has to come and stay with you or escort you
- additional costs of funeral expenses outside of the United Kingdom or of returning the body or ashes of a deceased insured person to their former home in the United Kingdom.
If a close relative or business associate becomes suddenly ill, suffers injury or dies during a trip, we will pay the reasonable and necessary additional travel costs of you returning home.
The most we will pay for a trip within the United Kingdom is £1,000.
The most we will pay for a trip outside of the United Kingdom is £5,000,000.
The most we will pay for a trip outside of the United Kingdom for all insured persons in total is £10,000,000
Hospital benefit
If you become ill or suffer injury during a trip we will pay you £l5 for each complete period of 24 hours that you have to stay in hospital as an in-patient outside of the
United Kingdom.
The most we will pay in total is £300 for each insured person.
Business cover extension - Replacement personnel (only in force if you have paid the appropriate premium)
If you are unable to attend a business meeting during a trip because you become ill or suffer an injury during the trip, we will pay the necessary and reasonable additional costs of transport and/or accommodation for an appropriate replacement business associate to attend.
The most we will pay os £1,500 per trip
WHAT IS NOT COVERED
The first £35 of each and every claim for each insured person, other than Hospital Benefit, unless you have obtained treatment using the recipricol health agreement E111 or private health insurance
Any trip being undertaken to obtain medical treatment or where you have been told by a qualified medical practitioner not to travel
Any claim arising in connection with pregnancy or child birth if the insured person is expecting to give birth before of during the trip
Illness or injury resulting from:
- motorcycling either as a driver or passenger on a motor cycle with an engine size of more than 250cc
- any manual work
- speed or time trials or racing of any kind other than on foot
- mountaineering, rock claim,bing, pot-holing, scuba diving to more than 20 meters, water ski jumping or water ski tricks or other dangerous activities
- winter sports unless you have paid the additional premium for winter sports cover
- flying or other ariel activities except as a fare paying passenger on a fully licensed passenger carrying aircraft
- crewing on any boat, ship or other type of water craft

Section 2 Personal Accident
WHAT IS COVERED
If you sustain injury during a trip and as a direct result of that accident you:
- die
- lose one or more limbs or your sight
- become permanently disabled and are unable to do any type of paid work
we will pay a maximum of one of the following benefits to you or your legal personal representatives:
- Death - £15,000
- Loss of one or more limbs at or above the wrist or ankle and/or the permanent loss of sight in one or both eyes - £15,000
- Permanent total disablement - £15,000.
If at the time of the accident the insured person is aged 16 or under the benefit for death is reduced to £1,500.
The most we will pay to any one insured person in respect of the same accident is £15,000.
WHAT IS NOT COVERED
Injury resulting from:
- or arising in connection with pregnancy or child birth if the insured person is expecting to give birth before or during the trip or within 12 weeks of the end of the trip
- flying or other aerial activities except as a fare paying passenger on a fully licensed passenger carrying aircraft
- motor cycling either as a driver or passenger on a motorcycle with an engine of more than 250cc
- any manual work
- crewing on any boat, ship or other type of water craft
- speed or time trials or racing or any kind other than on foot
- mountaineering, rock climbing, pot-holing, scuba diving to more than 20 meters, water ski jumping, water ski tricks, or other dangerous activities
- winter sports unless you have paid the additional premium for winter sports cover
- deliberately putting yourself at risk unless you are trying to save a persons life

Section 4 Medical and Other expenses, Hospital Benefit and Emergency Helpline
WHAT IS COVERED
If you become ill or suffer injury during a trip we will pay for all reasonable and necessary:
- medical, surgical and hospital or nursing home charges, ambulances, nursing costs, and emergency dental treatment needed to relieve pain, while outside of the United Kingdom
- costs of you returning to your home in the United Kingdom
- additional costs for accommodation
- additional travel from the United Kingdom and room only accommodation, for one relative or friend who on medical grounds has to come and stay with you or escort you
- additional costs of funeral expenses outside of the United Kingdom or of returning the body or ashes of a deceased insured person to their former home in the United Kingdom.
If a close relative or business associate becomes suddenly ill, suffers injury or dies during a trip, we will pay the reasonable and necessary additional travel costs of you returning home.
The most we will pay for a trip within the United Kingdom is £1,000.
The most we will pay for a trip outside of the United Kingdom is £5,000,000.
The most we will pay for a trip outside of the United Kingdom for all insured persons in total is £10,000,000
Hospital benefit
If you become ill or suffer injury during a trip we will pay you £l5 for each complete period of 24 hours that you have to stay in hospital as an in-patient outside of the
United Kingdom.
The most we will pay in total is £300 for each insured person.
Business cover extension - Replacement personnel (only in force if you have paid the appropriate premium)
If you are unable to attend a business meeting during a trip because you become ill or suffer an injury during the trip, we will pay the necessary and reasonable additional costs of transport and/or accommodation for an appropriate replacement business associate to attend.
The most we will pay os £1,500 per trip
WHAT IS NOT COVERED
The first £35 of each and every claim for each insured person, other than Hospital Benefit, unless you have obtained treatment using the recipricol health agreement E111 or private health insurance
Any trip being undertaken to obtain medical treatment or where you have been told by a qualified medical practitioner not to travel
Any claim arising in connection with pregnancy or child birth if the insured person is expecting to give birth before of during the trip
Illness or injury resulting from:
- motorcycling either as a driver or passenger on a motor cycle with an engine size of more than 250cc
- any manual work
- speed or time trials or racing of any kind other than on foot
- mountaineering, rock claim,bing, pot-holing, scuba diving to more than 20 meters, water ski jumping or water ski tricks or other dangerous activities
- winter sports unless you have paid the additional premium for winter sports cover
- flying or other ariel activities except as a fare paying passenger on a fully licensed passenger carrying aircraft
- crewing on any boat, ship or other type of water craft

Section 4 Medical and Other expenses, Hospital Benefit and Emergency Helpline
WHAT IS COVERED
If you become ill or suffer injury during a trip we will pay for all reasonable and necessary:
- medical, surgical and hospital or nursing home charges, ambulances, nursing costs, and emergency dental treatment needed to relieve pain, while outside of the United Kingdom
- costs of you returning to your home in the United Kingdom
- additional costs for accommodation
- additional travel from the United Kingdom and room only accommodation, for one relative or friend who on medical grounds has to come and stay with you or escort you
- additional costs of funeral expenses outside of the United Kingdom or of returning the body or ashes of a deceased insured person to their former home in the United Kingdom.
If a close relative or business associate becomes suddenly ill, suffers injury or dies during a trip, we will pay the reasonable and necessary additional travel costs of you returning home.
The most we will pay for a trip within the United Kingdom is £1,000.
The most we will pay for a trip outside of the United Kingdom is £5,000,000.
The most we will pay for a trip outside of the United Kingdom for all insured persons in total is £10,000,000
Hospital benefit
If you become ill or suffer injury during a trip we will pay you £l5 for each complete period of 24 hours that you have to stay in hospital as an in-patient outside of the
United Kingdom.
The most we will pay in total is £300 for each insured person.
Business cover extension - Replacement personnel (only in force if you have paid the appropriate premium)
If you are unable to attend a business meeting during a trip because you become ill or suffer an injury during the trip, we will pay the necessary and reasonable additional costs of transport and/or accommodation for an appropriate replacement business associate to attend.
The most we will pay is £1,500 per trip
WHAT IS NOT COVERED
The first £35 of each and every claim for each insured person, other than Hospital Benefit, unless you have obtained treatment using the recipricol health agreement E111 or private health insurance
Any trip being undertaken to obtain medical treatment or where you have been told by a qualified medical practitioner not to travel
Any claim arising in connection with pregnancy or child birth if the insured person is expecting to give birth before of during the trip
Illness or injury resulting from:
- motorcycling either as a driver or passenger on a motor cycle with an engine size of more than 250cc
- any manual work
- speed or time trials or racing of any kind other than on foot
- mountaineering, rock claim,bing, pot-holing, scuba diving to more than 20 meters, water ski jumping or water ski tricks or other dangerous activities
- winter sports unless you have paid the additional premium for winter sports cover
- flying or other ariel activities except as a fare paying passenger on a fully licensed passenger carrying aircraft
- crewing on any boat, ship or other type of water craft

Section 4 Medical and Other expenses, Hospital Benefit and Emergency Helpline
WHAT IS COVERED
If you become ill or suffer injury during a trip we will pay for all reasonable and necessary:
- medical, surgical and hospital or nursing home charges, ambulances, nursing costs, and emergency dental treatment needed to relieve pain, while outside of the United Kingdom
- costs of you returning to your home in the United Kingdom
- additional costs for accommodation
- additional travel from the United Kingdom and room only accommodation, for one relative or friend who on medical grounds has to come and stay with you or escort you
- additional costs of funeral expenses outside of the United Kingdom or of returning the body or ashes of a deceased insured person to their former home in the United Kingdom.
If a close relative or business associate becomes suddenly ill, suffers injury or dies during a trip, we will pay the reasonable and necessary additional travel costs of you returning home.
The most we will pay for a trip within the United Kingdom is £1,000.
The most we will pay for a trip outside of the United
Kingdom is £5,000,000.
The most we will pay for a trip outside of the United Kingdom for all insured persons in total is £10,000,000
Hospital benefit
If you become ill or suffer injury during a trip we will pay you £l5 for each complete period of 24 hours that you have to stay in hospital as an in-patient outside of the
United Kingdom.
The most we will pay in total is £300 for each insured person.
Business cover extension - Replacement personnel (only in force if you have paid the appropriate premium)
If you are unable to attend a business meeting during a trip because you become ill or suffer an injury during the trip, we will pay the necessary and reasonable additional costs of transport and/or accommodation for an appropriate replacement business associate to attend.
The most we will pay is £1,500 per trip
WHAT IS NOT COVERED
The first £35 of each and every claim for each insured person, other than Hospital Benefit, unless you have obtained treatment using the recipricol health agreement E111 or private health insurance
Any trip being undertaken to obtain medical treatment or where you have been told by a qualified medical practitioner not to travel
Any claim arising in connection with pregnancy or child birth if the insured person is expecting to give birth before of during the trip
Illness or injury resulting from:
- motorcycling either as a driver or passenger on a motor cycle with an engine size of more than 250cc
- any manual work
- speed or time trials or racing of any kind other than on foot
- mountaineering, rock claim,bing, pot-holing, scuba diving to more than 20 meters, water ski jumping or water ski tricks or other dangerous activities
- winter sports unless you have paid the additional premium for winter sports cover
- fling or other ariel activities except as a fare paying passenger on a fully licensed passenger carrying aircraft
- crewing on any boat, ship or other type of water craft

Section 4 Medical and Other expenses, Hospital Benefit and Emergency Helpline
WHAT IS COVERED
If you become ill or suffer injury during a trip we will pay for all reasonable and necessary:
- medical, surgical and hospital or nursing home charges, ambulances, nursing costs, and emergency dental treatment needed to relieve pain, while outside of the United Kingdom
- costs of you returning to your home in the United Kingdom
- additional costs for accommodation
- additional travel from the United Kingdom and room only accommodation, for one relative or friend who on medical grounds has to come and stay with you or escort you
- additional costs of funeral expenses outside of the United Kingdom or of returning the body or ashes of a deceased insured person to their former home in the United Kingdom.
If a close relative or business associate becomes suddenly ill, suffers injury or dies during a trip, we will pay the reasonable and necessary additional travel costs of you returning home.
The most we will pay for a trip within the United Kingdom is £1,000.
The most we will pay for a trip outside of the United
Kingdom is £5,000,000.
The most we will pay for a trip outside of the United Kingdom for all insured persons in total is £10,000,000
Hospital benefit
If you become ill or suffer injury during a trip we will pay you £l5 for each complete period of 24 hours that you have to stay in hospital as an in-patient outside of the
United Kingdom.
The most we will pay in total is £300 for each insured person.
Business cover extension - Replacement personnel (only in force if you have paid the appropriate premium)
If you are unable to attend a business meeting during a trip because you become ill or suffer an injury during the trip, we will pay the necessary and reasonable additional costs of transport and/or accommodation for an appropriate replacement business associate to attend.
The most we will pay is £1,500 per trip
WHAT IS NOT COVERED
The first £35 of each and every claim for each insured person, other than Hospital Benefit, unless you have obtained treatment using the recipricol health agreement E111 or private health insurance
Any trip being undertaken to obtain medical treatment or where you have been told by a qualified medical practitioner not to travel
Any claim arising in connection with pregnancy or child birth if the insured person is expecting to give birth before of during the trip
Illness or injury resulting from:
- motorcycling either as a driver or passenger on a motor cycle with an engine size of more than 250cc
- any manual work
- speed or time trials or racing of any kind other than on foot
- mountaineering, rock claim,bing, pot-holing, scuba diving to more than 20 meters, water ski jumping or water ski tricks or other dangerous activities
- winter sports unless you have paid the additional premium for winter sports cover
- fling or other ariel activities except as a fare paying passenger on a fully licensed passenger carrying aircraft
- crewing on any boat, ship or other type of water craft

Section 1 Baggage and Money
WHAT IS COVERED
We will pay for damage to your baggage or money occurring during a trip.
The most we will pay for each claim for baggage:
- in total for each insured person is £1,500
- for any one item, pair or set is £200
- in total for valuables is £300.
The most we will pay for each claim for money:
- in total is £400
- is £200 in the custody of any one insured person.
If your baggage is temporarily lost on rhe outward journey for more than 24 hours we will pay the cost of essential replacements of clothing and toiletries up to £75 for each insured person.
If we pay a claim for temporarily lost baggage that is never found we will take off the amount we have already paid from any claim we pay for baggage.
Business Cover Extension (only in force if you have paid the appropriate premium)
We will pay for damage to your business equipment.
business documents and samples occurring during a trip.
The most we will pay for each claim:
- in total for each insured person is £1,000
- for any one item, pair or set is £1,000.
WHAT IS NOT COVERED
The first £35 of each and every claim for each insured person except for temporarily lost baggage.
Damage to:
- glass, fragile or brittle items unless caused by fire, theft or an accident to the vehicle, vessel or aircraft they are being carried in.
- jewellery or money in a suitcase whilst in transit by sea or air and outside of your control
- pedal cycles or contact lenses
- sports equipment in the course of play or use
- winter sports equipment unless you have paid the additional premium for winters sports cover.
- household goods and anything shipped as freight under a bill of lading
- business equipment, business documents or samples unless you have paid the appropriate premium to include business cover.
Damage caused caused by or resulting from:
- wear and tear
- loss in value due to age or condition
- vermin, insects parasites, wood-worm, fungus, rot or frost or any gradually operating cause or any process of cleaning, dyeing, altering, repairing, renovating or restoring
- delay, confiscation or seizure by customs or any other officials
- theft from any unattended vehicle unless the baggage and/or money is concealed in a locked glove or or luggage compartment and all windows and sunroofs are securely closed and all doors are locked
- temporary loss of baggage that someone else will pay you compensation for
- depreciation in value or shortages due to omission, error or depreciation.

Section 11 Legal Expenses
DAS Legal Expenses administer claims under this section.
(For the purpose of this section only "we, us, our" shall be DAS Legal Expenses Insurance Company Limited)
DEFINITIONS APPLICABLE TO THIS SECTION ONLY
Appointed lawyer
The lawyer, or other suitably qualified person, who has been appointed to act for you under Condition I of this section.
Legal costs
All reasonable and necessary costs charged by the appointed lawyer on a standard basis.Also the costs incurred by opponents in civil cases if you have to pay them, or pay them with our agreement.
Date of occurrence
The date of the event which may lead to a claim. If there is more than one event arising at the same time or from the same cause, then the dote of occurrence is the date of the first of these events.
WHAT IS COVERED
We will pay you the necessary and reasonable professional costs and expenses you have to pay to pursue a civil claim against someone else for damages, specific performance or injunction arising from your death or injury outside of the United Kingdom.
This section covers you. We agree to provide the insurance in this section 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)
- the date of occurrence of the insured incident happens during the period of insurance.
For all insured incidents we will help in appealing or defending an appeal as long as you inform us within the time limits allowed that you want to appeal. Before we pay the legal costs for appeals, we must agree that it is always more likely than not that the appeal will be successful.
If an appointed lawyer is used, we will pay the legal costs incurred for this.
We will negotiate for your legal rights after an event which causes the death of, or injury to you outside the United Kingdom.
The maximum amount we will pay for all claims resulting from one or more event arising at the same time or from the same cause is £25,000.
WHAT IS NOT COVERED
Any claim reported to us more than 180 days after the date you should have known about the insured incident
Any legal costs that are incurred before we agree to pay them
Any claim against a travel agent, tour operator, insurer, insurer's agent, or any carrier under a 'tour operator' package agreement
Any disagreement with us that is not in condition 6
Any claim relating to any illness which develops gradually or is not caused by a specific or sudden accident
An application for judicial review
Written or verbal remarks which damage your reputation
Fines, damages or other penalties which you are ordered to pay by a court or other authority
Defending your Legal rights

Section 6 Loss of Passport
WHAT IS COVERED
If during a trip you lose your passport or it is stolen, we will pay the necessary and reasonable additional costs of accommodation and travel for you to obtain a
replacement from the nearest issuing office.
The most we will pay in total for each insured person is £200.
WHAT IS NOT COVERED
Costs incurred if the passport is lost or stolen in the United Kingdom

Section 10 Hijack
WHAT IS COVERED
If the booked transport you are travelling on for your trip is hijacked we will pay £100 after the first complete 24 hours and for each full day the hijack continues or that
you remain captive.
The most we will pay in total for each insured person is £3,000.
WHAT IS NOT COVERED
Any ransom or other amounts paid or for property sold to secure your release

Section 4 Medical and Other Expenses, Hospital Benefit and Emergency Helpline
Europe Assistance world-wide medical emergency service
This service is available if you suffer a medical emergency or illness while outside the United Kingdom during a trip and as a result you are likely to:
- be admitted to hospital as an in-patient
- be returned to the United Kingdom
- extend your trip
TELEPHONE: +44 1444 442800
FAX: +44 1444 410164
TELEX: 947736 EURA G
Have your policy details and a contact name and telephone number with you when you call

Section 1 Baggage and Money
WHAT IS COVERED
We will pay for damage to your baggage or money occurring during a trip.
The most we will pay for each claim for baggage:
- in total for each insured person is £1,500
- for any one item, pair or set is £200
- in total for valuables is £300.
The most we will pay for each claim for money:
- in total is £400
- is £200 in the custody of any one insured person.
If your baggage is temporarily lost on rhe outward journey for more than 24 hours we will pay the cost of essential replacements of clothing and toiletries up to £75 for each insured person.
If we pay a claim for temporarily lost baggage that is never found we will take off the amount we have already paid from any claim we pay for baggage.
Business Cover Extension (only in force if you have paid the appropriate premium)
We will pay for damage to your business equipment.
business documents and samples occurring during a trip.
The most we will pay for each claim:
- in total for each insured person is £1.000
- for any one item, pair or set is £1,000.
WHAT IS NOT COVERED
The first £35 of each and every claim for each insured person except for temporarily lost baggage.
Damage to:
- glass, fragile or brittle items unless caused by fire, theft or an accident to the vehicle, vessel or aircraft they are being carried in.
- jewellery or money in a suitcase whilst in transit by sea or air and outside of your control
- pedal cycles or contact lenses
- sports equipment in the course of play or use
- winter sports equipment unless you have paid the additional premium for winters sports cover.
- household goods and anything shipped as freight under a bill of lading
- business equipment, business documents or samples unless you have paid the appropriate premium to include business cover.
Damage caused caused by or resulting from:
- wear and tear
- loss in value due to age or condition
- vermin, insects parasites, wood-worm, fungus, rot or frost or any gradually operating cause or any process of cleaning, dyeing, altering, repairing, renovating or restoring
- delay, confiscation or seizure by customs or any other officials
- theft from any unattended vehicle unless the baggage and/or money is concealed in a locked glove or or luggage compartment and all windows and sunroofs are securely closed and all doors are locked
- temporary loss of baggage that someone else will pay you compensation for
- depreciation in value or shortages due to omission, error or depreciation.

Section 1 Baggage and Money
WHAT IS COVERED
We will pay for damage to your baggage or money occurring during a trip.
The most we will pay for each claim for baggage:
- in total for each insured person is £1,500
- for any one item, pair or set is £200
- in total for valuables is £300.
The most we will pay for each claim for money:
- in total is £400
- is £200 in the custody of any one insured person.
If your baggage is temporarily lost on rhe outward journey for more than 24 hours we will pay the cost of essential replacements of clothing and toiletries up to £75 for each insured person.
If we pay a claim for temporarily lost baggage that is never found we will take off the amount we have already paid from any claim we pay for baggage.
Business Cover Extension (only in force if you have paid the appropriate premium)
We will pay for damage to your business equipment.
business documents and samples occurring during a trip.
The most we will pay for each claim:
- in total for each insured person is £1,000
- for any one item, pair or set is £1,000.
WHAT IS NOT COVERED
The first £35 of each and every claim for each insured person except for temporarily lost baggage.
Damage to:
- glass, fragile o brittle items unless caused by fire, theft or an accident to the vehicle, vessel or aircraft they are being carried in.
- jewellery or money in a suitcase whilst in transit by sea or air and outside of your control
- pedal cycles or contact lenses
- sports equipment in the course of play or use
- winter sports equipment unless you have paid the additional premium for winters sports cover.
- household goods and anything shipped as freight under a bill of lading
- business equipment, business documents or samples unless you have paid the appropriate premium to include business cover.
Damage caused caused by or resulting from:
- wear and tear
- loss in value due to age or condition
- vermin, insects parasites, wood-worm, fungus, rot or frost or any gradually operating cause or any process of cleaning, dyeing, altering, repairing, renovating or restoring
- delay, confiscation or seizure by customs or any other officials
- theft from any unattended vehicle unless the baggage and/or money is concealed in a locked glove or or luggage compartment and all windows and sunroofs are securely closed and all doors are locked
- temporary loss of baggage that someone else will pay you compensation for
- depreciation in value or shortages due to omission, error or depreciation.

Section 3 Cancellation, Curtailment and Unused Excursions
WHAT IS COVERED
We will pay you for costs you have paid or are legally bound to pay for travel and accommodation and excursions that you cannot use because the trip has to be cancelled or curtailed due to:
- injury, illness, quarantine or death of you or of any person you are travelling with or staying with on the trip
- serious injury, serious illness or death of a close relative or business associate of any person you are travelling with on the trip
- you or any person you are travelling with being summoned for jury service or as a witness
- your compulsory redundancy if you have been in paid full time employment
- your home becoming uninhabitable following fire, storm or flood
- your presence being required by the police following a theft at your home or where you work
- the hi-jack of the booked transportation you are travelling on
Government prevention of travel to the trip destination following an epidemic.
The most we will pay is:
£2,500 in total for each insured person for cancellation or curtailment
£l00 for each insured person per trip for unused excursions.
WHAT IS NOT COVERED
The first £35 of each and every claim for each insured person other than for deposits or unused excursions.
Cancellation or curtailment:
- if you decide that you do not want to go on the trip or excursion
- of any trip being undertaken to obtain medical treatment or where you have been told by a qualified medical practitioner not to travel
- arising in connection with pregnancy or child birth if the insured persons expecting to give birth before or during the trip or within 12 weeks of the end of the trip
Cancellation or curtailment due to injury resulting from:
- motor cycling either as a driver or passenger on a motor cycle with an engine size of more than 250cc
- any manual work
- speed or time trials or racing of any kind other than on foot
- mountaineering, rock climbing, pot-holing, scuba diving to more than 20 meters, water ski jumping or water ski tricks or other dangerous activities
- winter sports unless you have paid the additional premium for winter sports cover.
Curtailment due to your death or injury resulting from:
- flying or other aerial activities except as a fare paying passenger on a fully licensed passenger carrying aircraft
- crewing on any boat, ship or other type of water craft
Unused excursions:
- where you have obtained or are entitled to refunds
- if the insured person is under 3 years old

Section 7 Missed Departure
WHAT IS COVERED
We will pay the necessary and reasonable additional costs of accommodation and travel to allow you to continue your trip if:
- there is a strike, civil disturbance, mechanical breakdown or adverse weather which interrupts public transport services
- the car you are travelling in has an accident or breakdown on the way to the airport, station, or port you are leaving from and as a direct result you arrive too late to start the trip.
The most we will pay in total for each insured person is £500
WHAT IS NOT COVERED
- The first £35 in respect of any claim
- Any claim for a strike or civil disturbance that starts or is announced before the period of insurance begins
- Costs of repairs to the car you are travelling in
- Delays that were public knowledge 4 weeks or more prior to the commencement of your trip
- Any claim due to the failure of the the tour operator or any provider of accommodation or transport

Section 8 Delayed Departure
WHAT IS COVERED
If the booked transport you are due to travel on for your outward or return journey is delayed for reasons which you or the tour operator have no control over, we will pay you the following:
£20 for the first complete 12-hour period that you are delayed
£I0 for each complete 12-hour period after that.
We will calculate the delay period from the date and time the booked transport was supposed to leave according to the published itinerary.
The most we will pay in total for each insured person is £100.
If after the first complete 12-hour period you decide to cancel your trip we will pay the cancellation charges.
The most we will pay in total for each insured person is £2,500
WHAT IS NOT COVERED
- Any amounts you are entitled to claim from or are paid in compensation by someone else
- Your failure to accept alternative means of transport within the period of delay when offered on reasonable terms
- Any amounts you are entitled to claim from or are paid in compensation by someone else

Section 8 Delayed Departure
WHAT IS COVERED
If the booked transport you are due to travel on for your outward or return journey is delayed for reasons which you or the tour operator have no control over, we will pay you the following:
£20 for the first complete 12-hour period that you are delayed
£I0 for each complete 12-hour period after that.
We will calculate the delay period from the date and time the booked transport was supposed to leave according to the published itinerary.
The most we will pay in total for each insured person is £100.
If after the first complete 12-hour period you decide to cancel your trip we will pay the cancellation charges.
The most we will pay in total for each insured person is £2,500
WHAT IS NOT COVERED
- Any amounts you are entitled to claim from or are paid in compensation by someone else
- Your failure to accept alternative means of transport within the period of delay when offered on reasonable terms
- Any amounts you are entitled to claim from or are paid in compensation by someone else

Section 5 Personal Liability
WHAT IS COVERED
We will pay any amounts you are legally liable to pay in respect of injury to any person occuring during a trip provided that they:
do not work for you are not a member of your family or of your household are not an insured person.
We will also pay any amounts you are legally liable to pay for any damage you cause to someone's property during the trip provided that it:
does not belong to or is not being looked after by you, your family. your household, or anyone that works for you.
The most we will pay for any one claim under this Section is £2,000,000 including costs and expenses.
WHAT IS NOT COVERED
The first £200 of each and every claim for any damage to rented, leased, hired or borrowed accommodation.
Liability arising from:
- fines, penalties or punitive, exemplary, aggravated or multiplied damages
- liquidated damages
Liability arising out of the ownership, possession or use of any:
- land or building other than accommodation rented, leased, hired or borrowed as part of the trip
- animals except domestic dogs or cats and horses (used for private hacking or hunting only)
- aircraft, water-craft (other than hand or foot propelled vessels), vehicles (other than pedal cycles, prams and childrens toys)
- fire arms (other than sporting guns)
- liability arising directly or indirectly from:
a) exposure to
b) inhalation of
c) fears of the consequence of exposure to, or inhalation of
d) damage to property, or any other loss, arising from
asbestos
- costs of cleaning up or removal of asbestos
Liability arising out of of any:
- agreement unless the liability would have existed anyway without the agreement
- business, trade. church, charity, occupation or profession.

Section 9 Catastrophe
WHAT IS COVERED
We will pay the necessary and reasonable additional costs of accommodation and travel to allow you to:
continue your trip
or
return home if you cannot continue the trip
if you are forced to leave the pre-booked and prepaid accommodation because of fire, lightning, earthquake, storm, tempest, hurricane, flood, explosion, medical epidemic or local government directive.
The most we will pay in total for each insured person is £400.
This is reduced to £250 if they are aged 3 to 16 .
WHAT IS NOT COVERED
The first £35 in respect of any claim
Any amounts you are entitled to claim from or are paid in compensation to someone else
Any amounts you have obtained or are entitled to refunds
Any claim if:
- You decide you do not want to stay in the pre-booked, prepaid accommodation
- the insured person is under 3 years of age

Section 4 Medical and Other Expenses, Hospital Benefit and Emergency Helpline
Europe Assistance world-wide medical emergency service
This service is available if you suffer a medical emergency or illness while outside the United Kingdom during a trip and as a result you are likely to:
- be admitted to hospital as an in-patient
- be returned to the United Kingdom
- extend your trip
TELEPHONE: +44 1444 442800
FAX: +44 1444 410164
TELEX: 947736 EURA G
Have your policy details and a contact name and telephone number with you when you call

General Exclusions (that apply to the whole Policy)
THIS POLICY DOES NOT COVER
1. Radioactive Contamination
any expense, consequential loss, legal liability or damage to any property directly or indirectly arising from:
a) ionising radiations or contamination by radioactivity from any nuclear waste from combustion of nuclear fuel
b) the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component.
2. War Risks
any consequence of war, invasion, act of foreign enemy, hostilities (whether war is declared or not), civil war, rebellion, revolution, insurrection, military force, usurped power, or travel to a destination where the Foreign & Commonwealth Office has advised against "all travel" or travel "unless on essential business':
3. Sonic Bangs
damage arising directly from pressure waves caused by aircraft or other aerial devices travelling at sonic or supersonic speeds.
4. Communicable diseases
the transmission of:
a) Human lmmunodeficiency Virus (HIV) and/or any HIV related illness. Acquired Immune Deficiency Syndrome (AIDS) and or and mutant derivative or variations however caused
b) any communicable disease by an insured person.
5. Suicide or dangerous activities
death or any injury, illness or disablement resulting from suicide or attempted suicide or from you deliberately exposing yourself to danger unless you are attempting to save a human life.
6. Alcohol or drugs
death, injury, illness or disablement while under the influence of alcohol or drugs (unless prescription drugs not being used to treat alcohol or drug addiction).
7. Date Related Computer Failure
this Policy does not cover any claim, loss. liability or expenses caused by or arising from, directly or indirectly or in any way relating to, the failure of any computer, data processing equipment or media, microchip, integrated circuit or similar device or any computer software, whether your property or not, to:
a) correctly recognise any date as its true calendar date
b) capture, save or retain, and/or correctly t o manipulate, interpret or process any data or information or command or instruction as a result of treating any date otherwise than as its true calendar date
c) capture, save, retain or correctly to process any data as a result of the operation of any command which has been programmed into any computer software, being a command which causes the loss of data or the inability to capture, save, retain or correctly to process such data on or after any date but this shall not exclude subsequent loss or damage to your property specifically insured by the Policy or any loss not otherwise excluded which itself results from:
fire, explosion, lightning, smoke, aircraft or other aerial devices dropped from them, theft or attempted theft, impact by any road vehicle, train or animal, riot, civil commotion, strikers, locked-out workers or persons taking part in labour disturbances, malicious people or vandals, storm or flood, escape of water from any tank,
apparatus or pipe, escape of fuel oil from any fixed oil-fired heating installation if covered by this Policy.
This exclusion does not apply to Section 2 Personal Accident.
8. Terrorism
any claim or expense of any kind caused directly or indirectly by terrorist activity.
For the purpose of this exclusion "terrorist activity"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, ideological, ethnic or similar purposes or reasons including the intention to influence any government and/or to put the public or any section of the public in fear.
9. Pre-existing medical conditions
any claim directly or indirectly caused by or arising from, or in any way relating to any medical condition that existed before you purchased this insurance or before the start of any trip where any insured person has received:
- surgery, treatment or medical investigation in the last 12 months
- any change in prescribed medication in the last 3 months
- medical advice not to travel
- a terminal prognosis
or
- is travelling abroad to receive medical treatment
- has a medical condition which could affect the start or completion of the trip unless prior written acceptance has been obtained from us

General Conditions (that apply to the whole Policy)
1. Claims Procedure (your duties)
When you become aware of a possible claim under this Policy you should:
a) check the appropriate section of the Policy to make sure you have done all the things you must do
b) advise us as soon as possible and in any event within 30 days in writing giving full details and complete our appropriate claim form if required
c) at your own expense provide us with any receipts, proof, documents or other evidence that it would be reasonable for us to ask for concerning the claim
d) at your own expense provide all other information in a form that we choose it would be reasonable for us to ask for
e) submit to a medical examination at our expense when and as often as it would be reasonable for us to ask you to
f) take all reasonable and practical steps to recover any articles lost or stolen.
2. Claims procedure (our rights)
If you make a claim under this Policy
a) we have the right to the salvage of any property covered under this Policy
b) we can take over:
- your rights against another person before or after we have paid a claim
- the defence or settlement of any claim against you by another person.
3. Other insurance
If at the time of a claim there is another policy covering anything insured by this Policy, we will only pay our proportionate share. This does not apply to Section 2 Personal Accident.
4. Reasonable care
You must take all reasonable steps to:
- prevent damage or accident
- protect the articles insured
- avoid injury, illness or liability.
5. Change of information
You must tell us about any change in the information upon which this Policy is based. This includes (but is not limited to) telling us about changes in the health of any insured person. Failure to do so could invalidate the Policy.
6. Fraud
If you or anyone acting for you makes a claim under this Policy knowing the claim is false or exaggerated in any way, we will not pay the claim and this Policy will cease.
7. Arbitration
Other than for claims under Section 2 Personal Accident. If there is a dispute about the amount we wish to pay you for a claim under this Policy, the dispute shall be referred to an arbitrator. The arbitrator will be appointed in accordance with the statutory provisions in force at the time. The arbitrator must have made an award before you can take further action against us.
8. Cooling off and cancellation
If you decide within 14 days of taking out this Policy that it does not meet your requirements, we will refund the premium you have paid provided that you give us back the Schedule and any other documents we have issued, there are no claims notified or pending, and you advise us prior t o the commencement of travel
We may cancel this Policy at any time by writing to you at the last known address we have for you, giving 14 days notice. If we do this and you have made no claims we will refund a proportionate amount of the premium you paid, depending on the amount of time remaining on the Policy You may only cancel the Policy with our agreement. We will decide if any refund of premium can be allowed.
9. Agreeing to the conditions
You agree that you will observe all the terms and conditions, duties and rights that are set out in this Policy. If you do not observe them then the cover will not operate and we will not be able to pay any claims.
10. Law applicable
Unless we have specifically agreed differently with you this Policy will be governed by the laws of England and Wales.
11. Rights of Third Parties
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.