Arch Insurance Single Trip Travel

Winter Sports

SECTION 1 - MEDICAL AND OTHER EXPENSES
1. JOURNEYS OUTSIDE THE UNITED KINGDOM
To pay:
A. up to £5,000,000 in total in respect of:
I. medical, hospital and treatment expenses (including the cost of emergency dental treatment for the immediate relief of pain only but limited to £250 in total) ambulance charges, cost of rescue services, reasonable accommodation and/or travelling and/or repatriation expenses to the United Kingdom (including such reasonable and necessary additional accommodation and travelling expenses including those of one Relative or friend required to stay or travel with the Insured Person or if you are a child and require an escort) necessarily and reasonably incurred outside the United Kingdom on medical advice as a direct result of the Insured Person sustaining accidental bodily injury or suffering the onset of illness during the Operative Time of Cover
II. reasonable additional hotel and travel costs incurred in the event of the necessary repatriation of the Insured Person to his/her home or place of business within the United Kingdom as a result of the sudden and unexpected death, serious injury or serious illness occurring during the Operative Time of Cover of the Insured Persons Relative or Close Business Colleague
B. the reasonable charges in the event of death occurring during the Operative Time of Cover of:
I. burial or cremation of the Insured Person in the locality where death occurs not exceeding £1,000 in total or
II. transporting the Insured Persons remains or ashes to his/her home in the United Kingdom (excluding funeral or interment costs) not exceeding £5,000 in total subject to the prior approval of the Company
PROVIDED THAT:
A. cover under this Sub-Section shall apply only in respect of Journeys outside the United Kingdom
B. the total amount payable shall not exceed £5,000,000 and shall only be in respect of costs incurred within 12 months of the date of the incident giving rise to the claim
C. the Company reserves the right to repatriate to the United Kingdom when in the opinion of the Companys medical advisers the Insured Person is fit to travel
D. the Assistance Company is notified:
I. PRIOR TO the Insured Person being admitted as an inpatient at any hospital, clinic or nursing home
II. PRIOR TO any repatriation arrangements being made
III. in the event of the death of the Insured Person, PRIOR TO burial, cremation or transportation of the Insured Person s remains to the United Kingdom
Excess
This insurance does not cover the first £40 per Insured Person in respect of each separate incident giving rise to a claim hereunder except where medical expenses have been reduced by the use of an EHIC or contribution from the Insured Persons private health insurance in which case PROVIDED THAT liability has been accepted by the Company for such reduced medical expenses the excess will be reduced by the amount of such reduction or contribution up to a maximum reduction of £40
Exclusions
This insurance excludes:
1. any claim arising out of a Material Fact which was not declared by completing a medical self declaration form either when the Insured Person purchased this insurance or up to the date of the Insured Persons Journey
2. any claims arising if at the time of purchasing this insurance the Insured Person or a travelling companion:
A. is aware of any circumstances which could reasonably be expected to give rise to a claim under this insurance
B. have had a cancerous, cardio-vascular, cerebro-vascular, renal, psychiatric or mental condition
C. have had any other medical condition which is under the supervision of a hospital, consultant or doctor or has required any hospital admission or treatment in the previous 12 months
D. have been taking continuous medication and have had any change in medication or increase in dosage in the previous 12 months resulting from a deterioration in the condition being treated
E. have any medical conditions for which they are on a hospital or specialists waiting list for inpatient or outpatient treatment or investigation
F. are awaiting the results of any tests or investigations
G. have been advised of a terminal prognosis
H. have any mental illness, anxiety or depression
However the Company may agree in writing not to apply exclusions 1 or 2A to H or the Company may impose special terms if the Insured Person applies to the Company with details of the condition by completing a medical self declaration form and this insurance is suitably endorsed
3. any claim if the Insured Person or any travelling companions travel against medical advice
4. the following costs and expenses unless they have been authorised by the Assistance Company
A. inpatient, hospital, clinic or nursing home expenses
B. repatriation, transportation or additional hotel or travel costs and expenses
C. burial or cremation costs outside the United Kingdom
5. charges levied for services rendered or treatment received in the United Kingdom other than for transportation costs as approved by the Company
6. any elective treatment, surgery, exploratory tests or dental work
7. dental work involving precious material
8. treatment which in the opinion of a medical or dental practitioner could be reasonably delayed until the return of the Insured Person to the United Kingdom
9. medical, hospital or treatment expenses which the Insured Person knows at the time of departure on the Journey will be required or required to be continued during the course of such Journey
10. charges levied for services rendered or treatment received after 12 months from the date of any incident giving rise to a claim
Condition
It is a requirement of this insurance that if between the date of purchasing this insurance and the date of the Journey the Insured Person is diagnosed as having a medical condition as described above, the Insured Person must complete a medical self declaration form which must be sent to the Company.
If the details disclosed are unsatisfactory the Company reserve the right to impose special terms
2. JOURNEYS WITHIN THE UNITED KINGDOM
To pay up to:
A. £250 in total in respect of EMERGENCY medical and treatment expenses (including the cost of EMERGENCY dental treatment for the immediate relief of pain only but limited to £100 in total) necessarily and reasonably incurred within the United Kingdom on medical advice as a direct result of the Insured Person sustaining accidental bodily injury or suffering the onset of illness during the Operative Time of Cover
B. £10,000 in total in respect of reasonable accommodation and/or travelling and/or repatriation expenses to the Insured Persons home or the most suitable hospital or nursing home near to the Insured Persons home within the United Kingdom (including such reasonable and necessary additional accommodation and travelling expenses including those of one relative or friend required on medical advice to stay or travel with the Insured Person or if you are a child and require an escort) necessarily and reasonably incurred on medical advice as a direct result of the Insured Person sustaining accidental bodily injury or suffering the onset of illness during the Operative Time of Cover
C. £1,000 in total in respect of reasonable charges in the event of death occurring during the Operative Time of Cover for the cost of transporting the Insured Persons remains or ashes to the Insured Persons home in the United Kingdom (excluding funeral or interment costs)
D. £500 in total in respect of all reasonable additional hotel and travel costs incurred in the event of the necessary repatriation of the Insured Person to his/her home or place of business within the United Kingdom as a result of the sudden and unexpected death, serious injury or serious illness (occurring during the Operative Time of Cover) of the Insured Persons Relative or Close Business Colleague
PROVIDED THAT:
A. cover under this Sub-Section shall apply only in respect of Journeys solely within the United Kingdom
B. the total amount payable shall not exceed the amounts stated or £10,000 in total and shall only be in respect of costs incurred within 12 months of the date of the incident giving rise to the claim
C. the Assistance Company is notified PRIOR TO any repatriation or transportation arrangements being made
Excess
This insurance does not cover the first £40 per Insured Person in respect of each separate incident giving rise to a claim hereunder
Exclusions
This insurance excludes:
1. any claim arising out of a Material Fact which was not declared by completing a medical self declaration form either when the Insured Person purchased this insurance or up to the date of the Insured Persons Journey
2. any claims arising if at the time of purchasing this insurance the Insured Person or a travelling companion:
A. is aware of any circumstances which could reasonably be expected to give rise to a claim under this insurance
B. have had a cancerous, cardio-vascular, cerebro-vascular, renal, respiratory, psychiatric or mental condition
C. have had any other medical condition which is under the supervision of a hospital, consultant or doctor or has required any hospital admission or treatment in the previous 12 months
D. have been taking continuous medication and have had any change in medication or increase in dosage in the previous 12 months resulting from a deterioration in the condition being treated
E. have any medical conditions for which they are on a hospital or specialists waiting list for inpatient or outpatient treatment or investigation
F. are awaiting the results of any tests or investigations
G. have been advised of a terminal prognosis
H. have any mental illness, anxiety or depression
However the Company may agree in writing not to apply exclusions 1 or 2A to H or the Company may impose special terms if the Insured Person applies to the Company with details of the condition by completing a medical self declaration form and this insurance is suitably endorsed
3. any claim if the Insured Person or any travelling companions travel against medical advice
4. the following costs and expenses UNLESS they have been authorised by the Assistance Company
A. repatriation or transportation costs
B. additional hotel and travel costs and expenses
5. any elective treatment, surgery, exploratory tests or dental work
6. dental work involving precious material
7. treatment which in the opinion of a medical or dental practitioner could be reasonably delayed until the return of the Insured Person to his/her home or place of business within the United Kingdom
8. medical, hospital or treatment expenses which the Insured Person knows at the time of departure on the Journey will be required or required to be continued during the course of such Journey
9. charges levied for services rendered or treatment received after 12 months from the date of any incident giving rise to a claim
Condition
It is a requirement of this insurance that if between the date of purchasing this insurance and the date of the Journey the Insured Person is diagnosed as having a medical condition as described above the Insured Person must complete a medical self declaration form which must be sent to the Company.
If the details disclosed are unsatisfactory the Company reserve the right to impose special terms
3. SURGERY FOLLOWING REPATRIATION
If as a result of a valid and undisputed claim under Sub-Section 1 AI or BII of this policy the Insured Person is repatriated to a hospital or nursing home within the United Kingdom by the Assistance Company and requires essential non emergency surgery for the injury or illness that resulted in such repatriation the Company will pay up to £5,000 towards the reasonable and necessary cost of such surgery including hospital room and meal charges and the cost of using hospital medical facilities
PROVIDED THAT:
A. such surgery is deemed by the Companys medical advisors to be reasonable and necessary
B. the Insured Person is entitled to such surgery under the National Health Service
C. the Insured Person has to wait more than 6 weeks from the date of his/her being repatriated to a hospital or nursing home within the United Kingdom before surgery can be carried out under the National Health Service at a hospital within 35 miles of his/her home due solely to his/her being placed on a waiting list of longer duration
D. the Assistance Company is notified PRIOR TO any costs being incurred
E. there is no other insurance in force covering in whole or in part the costs of such surgery
F. surgery is commenced within 6 weeks from the date the Insured Person is repatriated to a hospital or nursing home within the United Kingdom
Exclusions
This insurance excludes:
1. costs recoverable from any other source
2. costs not authorised by the Assistance Company
3. any waiting list delay caused by the Insured Person or his/her personal circumstances
4. any elective treatment, surgery, exploratory tests or cosmetic surgery
5. surgery not commenced within 6 weeks from the date the Insured Person is repatriated to a hospital or nursing home within the United Kingdom
6. charges levied for services rendered or treatment received after 12 months from the date the Insured Person sustained the bodily injury or suffered the onset of illness which resulted in his/her repatriation to the United Kingdom by the Assistance Company
7. surgery performed outside the United Kingdom and any associated or ensuing costs
8. rest home charges
9. prescription charges

SECTION 3 - PERSONAL ACCIDENT
To pay to the Insured Person the applicable under-mentioned benefit if during the Operative Time of Cover the Insured Person sustains accidental bodily injury by violent external and visible means (including unavoidable exposure to the natural elements) which independently of any other cause results within 12 months from the date of such bodily injury in the death, loss of limb, loss of sight in one or both eyes or permanent total disablement of the Insured Person
Benefit
1. Death - £25,000
2. Loss of Limb - meaning total and permanent loss of use by physical separation or otherwise of one or both hands at or above the wrist joint and/or one or both feet at or above the level of the ankle (talo-tibular) joint - £25,000
3. Loss of Sight in one or both eyes - meaning total and permanent loss of sight which shall be deemed to have occurred:
A. in both eyes when the Insured Persons name has been added to The Register of Blind Persons on the authority of a qualified ophthalmic specialist - £25,000
B. in one eye when the degree of sight remaining after correction is 3/60ths or less on the Snellen Scale and the Company is satisfied that the condition is permanent and without expectation of recovery - £25,000
4. Permanent Total Disablement - meaning total and permanent disablement which prevents the Insured Person from engaging in or giving attention to any business or occupation of any and every kind having lasted for 12 consecutive months from the date of the accident and having been proved to the Companys satisfaction to be beyond the hope of improvement - £25,000
Conditions
1. The Company shall not pay more than one benefit in connection with the same accident
2. In respect of any Insured Person under the age of 16 years or over the age of 70 years at the time of bodily injury, Benefit 1 Death will be limited to £1,000

SECTION 13 - RESTRICTED ENJOYMENT BENEFIT (HOSPITALISATION/FALSE ARREST/HIJACK AND KIDNAP)
To pay to the Insured Person £50 for each full period of 24 hours during the Operative Time of Cover that he/she:
1. spends in hospital as an inpatient or is confined to his/her room on the orders of a qualified medical practitioner as a result of physical medical incapacity (other than over exposure to the natural elements)
PROVIDED THAT:
A. the Company has accepted liability under Section 1 - Medical and Other Expenses - Covers 1 or 2 for the costs of such hospitalisation or consultation with a qualified medical practitioner or treatment received from a qualified medical practitioner or would have accepted liability for such costs had they been incurred outside the United Kingdom or were it not for the Excess under that Section of this policy
B. the Insured Person provides the Company within 30 days of returning from the Journey with a medical certificate confirming the period he/she was hospitalised or confined to his/her room and the cause of such hospitalisation or confinement
In the event that the Insured Person is hospitalised as a direct result of malicious and unprovoked assault by any person or persons not known to him/her this benefit will be doubled PROVIDED THAT the Insured Person reports the matter to the police IMMEDIATELY he/she is able to do so and provides the Company within 30 days of returning from the Journey with a police report confirming as such
2. is detained against his/her will by any lawful authority PROVIDED THAT he/she has not committed any criminal act or breach of any law or enactment, is released without charge and provides the Company within 30 days of returning from the Journey with written evidence from such person or persons by whom he/she was detained of the period detained together with proof that no criminal act or breach of any law or enactment had been committed by the Insured Person
3. is unlawfully detained against his/her will (whether hijacked, kidnapped or otherwise) by any person or persons not known to him/her PROVIDED THAT the Insured Person reports the matter to the police IMMEDIATELY upon his/her release and provides the Company within 30 days of returning from the Journey with a police report confirming the he/she was unlawfully detained and the dates of such detention and subject to a maximum overall benefit of £1,000 (proportionately increased in respect of any successful claim under Benefit 1 above due to malicious and unprovoked assault by any person or persons not known to the Insured Person subject to an overall maximum benefit of £2,000)

SECTION 1 - MEDICAL AND OTHER EXPENSES
1. JOURNEYS OUTSIDE THE UNITED KINGDOM
To pay:
A. up to £5,000,000 in total in respect of:
I. medical, hospital and treatment expenses (including the cost of emergency dental treatment for the immediate relief of pain only but limited to £250 in total) ambulance charges, cost of rescue services, reasonable accommodation and/or travelling and/or repatriation expenses to the United Kingdom (including such reasonable and necessary additional accommodation and travelling expenses including those of one Relative or friend required to stay or travel with the Insured Person or if you are a child and require an escort) necessarily and reasonably incurred outside the United Kingdom on medical advice as a direct result of the Insured Person sustaining accidental bodily injury or suffering the onset of illness during the Operative Time of Cover

SECTION 1 - MEDICAL AND OTHER EXPENSES
1. JOURNEYS OUTSIDE THE UNITED KINGDOM
To pay:
B. the reasonable charges in the event of death occurring during the Operative Time of Cover of:
I. burial or cremation of the Insured Person in the locality where death occurs not exceeding £1,000 in total or
II. transporting the Insured Persons remains or ashes to his/her home in the United Kingdom (excluding funeral or interment costs) not exceeding £5,000 in total subject to the prior approval of the Company

SECTION 1 - MEDICAL AND OTHER EXPENSES
1. JOURNEYS OUTSIDE THE UNITED KINGDOM
To pay:
B. the reasonable charges in the event of death occurring during the Operative Time of Cover of:
I. burial or cremation of the Insured Person in the locality where death occurs not exceeding £1,000 in total or
II. transporting the Insured Persons remains or ashes to his/her home in the United Kingdom (excluding funeral or interment costs) not exceeding £5,000 in total subject to the prior approval of the Company

SECTION 7 - PERSONAL MONEY
This Section only applies if shown on your policy certificate as included. To pay:
1. up to £500 in total in respect of accidental loss of personal Money owned solely by the Insured Person occurring during the Operative Time of Cover or during the 72 hours immediately prior to commencement of or subsequent to completion of the Journey
2. up to £100 in total in respect of fraudulent use of the Insured Persons own personal credit card(s) occurring during the Operative Time of Cover
PROVIDED THAT:
1. when not being carried by the Insured Person Money and credit cards must be kept in a safe or safety deposit box if one is available within the booked accommodation occupied by the Insured Person
2. all losses are reported to the police within 24 hours of discovery and a written report obtained from them and in respect of loss of travellers cheques and/or credit cards such loss is also reported to the appropriate issuing authority within 24 hours of discovery
3. loss of Sterling is limited to the amount permitted by currency regulations in force at the date of the Journey but not exceeding the above limit
4. the Company shall not be liable for more than £500 in respect of loss of cash, currency and bank notes Excess
This insurance does not cover the first £40 per Insured Person in respect of each separate incident giving rise to a claim
Exclusions Applicable to Sections 7, 8 and 9
This insurance does not cover:
1. loss, damage, theft or attempt thereat of:
A. Money, credit cards, passport or personal baggage left unattended in the open or any public place
B. the Insured Persons Valuables, Money, credit cards or passport from any Unattended Vehicle or from personal baggage unless carried by hand and under the personal supervision of the Insured Person
C. personal baggage from any Unattended Vehicle:
I. between the hours of 9pm and 9am local time
II. at any other time unless the vehicle has been:
a. secured from unauthorised entry and
b. the personal baggage hidden from view and
c. there is evidence of violent and forcible entry to or exit from such vehicle
D. personal baggage from any roof rack, external rack or container
2. loss or damage caused by or arising from:
A. delay, confiscation or detention by Customs or other officials or authorities
B. fraud or deception
3. loss of or damage to:
A. stamps, documents, contact or corneal lenses, hearing aids, alcohol, tobacco (or tobacco products), perishable goods, motor vehicles (or accessories), antiques or mobile telephones
B. sports equipment whilst in use
C. business goods, samples or tools
4. loss or damage due to wear and tear, gradual deterioration, atmospheric or climatic conditions, insects, parasites, vermin, mechanical or electrical breakdown, scratching, denting or any process of cleaning, drying, alteration or repair
5. shortages due to error, omission or depreciation in value
6. damage to brittle articles (including teeth or dentures)

SECTION 4 - LEGAL EXPENSES
Important - cover under this Section is underwritten and administered by DAS Legal Expenses Insurance Company Limited (DAS) DAS agree to provide the insurance in this Section as long as:
1. the Date of Occurrence of the Insured Incident is during the Operative Time of Cover; and
2. any legal proceedings will be dealt with by a court, or other body which DAS agree to; and
3. for civil claims it is always more likely than not that an Insured Person will recover damages (or obtain any other legal remedy which DAS have agreed to) or make a successful defence DAS will help in appealing or defending an appeal as long as the Insured Person informs DAS within the time limits allowed that they want to appeal.
Before DAS pay the Legal Costs for appeals, DAS must agree that it is always more likely than not that the appeal will be successful DAS will pay the Costs and Expenses charged by a Representative appointed by DAS
The most DAS will pay for all claims resulting from one or more events arising at the same time or from the same cause is £50,000 Definitions applicable to this Section Insured Person: Each person stated on the policy certificate as being insured Representative: The lawyer, or other suitably qualified person, who has been appointed by DAS to act for an Insured Person in accordance with the terms of this Section Date of Occurrence: The date of the event which may lead to a claim. If there is more than one event arising at different times from the same cause, then the Date of Occurrence is the date of the first of these events
Costs and Expenses: All reasonable and necessary costs chargeable by the Representative on a standard basis. DAS will also pay the costs incurred by opponents in civil cases if an Insured Person has been ordered to pay them, or pays them with DASs agreement
Insured Incident: DAS will negotiate for an Insured Persons legal rights in a claim against a party who causes the death of, or bodily injury to, the Insured Person
Exclusions
DAS shall not be liable for:
1. A claim reported to DAS more than 180 days after the Insured Person should have known about the Insured Incident
2. An incident or matter arising before the start of this cover
3. Costs and Expenses incurred before DASs written acceptance of a claim
4. Any claim relating to any illness or bodily injury which happens gradually or is not caused by a specific or sudden accident
5. Defending an Insured Persons legal rights, but defending a counter-claim is covered
6. Fines, penalties, compensation or damages which an Insured Person is ordered to pay by a court or other authority
7. An Insured Incident intentionally brought about by an Insured Person
8. A legal action that an Insured Person takes which DAS or the Representative have not agreed to or where the Insured Person does anything that hinders DAS or the Representative
9. A claim relating to an Insured Persons alleged dishonesty or alleged violent behaviour
10. A claim relating to written or verbal remarks which damage an Insured Persons reputation
11. A dispute with DAS not otherwise dealt with under Condition 7
12. A claim directly or indirectly caused by or resulting from any device failing to recognise, interpret or process any date as its true calendar date
13. Apart from DAS the Insured Person is the only person who may enforce all or any part of this Section and the rights and interests arising from or connected with it. This means that the Contracts (Rights of Third Parties) Act 1999 does not apply to this Section in relation to any third party rights or interest
14. An application for judicial review
15. Any Costs and Expenses that are incurred where the Representative handles the claim under a contingency fee arrangement
16. A claim against Arch Insurance Company (Europe) Limited or its agents
17. A claim against any insurance intermediary agent of Arch Insurance Company (Europe) Limited
18. A claim relating to Deep Vein Thrombosis or its symptoms that result from an Insured Person travelling by air
Conditions
An Insured Person must:
1. A. try to prevent anything happening that may cause a claim
B. take reasonable steps to keep any amount DAS have to pay as low as possible
C. send everything DAS ask for, in writing
D. give DAS full details of any claim as soon as possible and give DAS any information DAS need
2. A. DAS can take over and conduct, in the name of an Insured Person, any claim or legal proceedings at any time. DAS can negotiate any claim on behalf of an Insured Person
B. The Insured Person is free to choose a Representative (by sending DAS a suitably qualified persons name and address) if:
I. DAS agree to start court proceedings and it becomes necessary for a lawyer to represent the interests of an Insured Person in those proceedings; or
II. there is a conflict of interest DAS may choose not to accept the Insured Persons choice, but only in exceptional circumstances. If there is a disagreement over the choice of Representative in these circumstances, the Insured Person may choose another suitably qualified person
C. In all circumstances except those in 2B above, DAS are free to choose a Representative
D. Any Representative will be appointed by DAS to represent an Insured Person according to DAS standard terms of appointment. The Representative must co-operate fully with DAS at all times
E. DAS will have direct contact with the Representative
F. An Insured Person must co-operate fully with DAS and the Representative and must keep DAS up to date with the progress of the claim
G. An Insured Person must give the Representative any instructions that DAS require
3. A. An Insured Person must tell DAS if anyone offers to settle the claim
B. If an Insured Person does not accept a reasonable offer to settle a claim, DAS may refuse to pay further Costs and Expenses
C. DAS may decide to pay an Insured Person the amount of damages that the Insured Person is claiming, or which is being claimed against them instead of starting or continuing legal proceedings
4. A. An Insured Person must tell the Representative to have Costs and Expenses taxed, assessed or audited, if DAS ask for this
B. An Insured Person must take every step to recover Costs and Expenses that DAS have to pay and must pay DAS any Costs and Expenses that are recovered
5. If the Representative refuses to continue acting for an Insured Person or if an Insured Person dismisses a Representative, the cover DAS provide will end at once, unless DAS agree to appoint another representative
6. If an Insured Person settles a claim or withdraws it without the agreement of DAS, or does not give suitable instructions to a Representative, the cover DAS provide will end at once and DAS will be entitled to reclaim any Costs and Expenses DAS have paid
7. If DAS and an Insured Person disagree about the choice of a Representative, or about the handling of a claim, DAS and the Insured Person can choose another suitably qualified person to decide the matter. DAS and the Insured Person must both agree to the choice of this person in writing. Failing this, DAS will ask the president of a relevant national law society to choose a suitably qualified person. All costs of resolving the disagreement must be paid by the party whose argument is rejected
8. DAS may, at DASs discretion, require the Insured Person to obtain, at their expense, an opinion from a lawyer or other suitably qualified person chosen by the Insured Person and DAS, as to the merits of a claim or proceedings. If the chosen persons opinion indicates that it is more likely than not that an Insured Person will recover damages (or obtain any other legal remedy that DAS have agreed to) or make a successful defence, DAS will pay the cost of obtaining the opinion
9. DAS will not pay any claim covered under any other policy, or any claim that would have been covered by any other policy if this cover did not exist
10. This Section will be governed by English law Eurolaw Legal Advice
In connection with a trip DAS will give an Insured Person confidential legal advice over the phone on any personal legal problem, under the laws of the member countries of the European Union, Isle of Man, the Channel Islands, Switzerland and Norway. DAS will not accept responsibility if the Helpline Service fails for reasons DAS cannot control
To contact the above service, phone DAS on +44 (0)117 934 2111. When phoning, please quote your policy number and Arch Holiday Travel Insurance.

SECTION 8 - LOSS OF PASSPORT
To pay up to £250 in total in respect of replacement cost plus reasonable additional accommodation and travel expenses incurred only by the Insured Person as a result of the loss of his/her passport occurring whilst outside the United Kingdom during the Operative Time of Cover
PROVIDED THAT:
1. upon discovery immediate notification shall be given to the nearest British Consulate or if not holding a British passport to the Insured Persons nearest Embassy and a written report of the loss obtained from them
2. when not being carried by the Insured Person passports must be kept in a safe or safety deposit box if one is available within the booked accommodation occupied by the Insured Person
Excess
This insurance does not cover the first £40 per Insured Person in respect of each separate incident giving rise to a claim
Exclusions Applicable to Sections 7, 8 and 9
This insurance does not cover:
1. loss, damage, theft or attempt thereat of:
A. Money, credit cards, passport or personal baggage left unattended in the open or any public place
B. the Insured Persons Valuables, Money, credit cards or passport from any Unattended Vehicle or from personal baggage unless carried by hand and under the personal supervision of the Insured Person
C. personal baggage from any Unattended Vehicle:
I. between the hours of 9pm and 9am local time
II. at any other time unless the vehicle has been:
a. secured from unauthorised entry and
b. the personal baggage hidden from view and
c. there is evidence of violent and forcible entry to or exit from such vehicle
D. personal baggage from any roof rack, external rack or container
2. loss or damage caused by or arising from:
A. delay, confiscation or detention by Customs or other officials or authorities
B. fraud or deception
3. loss of or damage to:
A. stamps, documents, contact or corneal lenses, hearing aids, alcohol, tobacco (or tobacco products), perishable goods, motor vehicles (or accessories), antiques or mobile telephones
B. sports equipment whilst in use
C. business goods, samples or tools
4. loss or damage due to wear and tear, gradual deterioration, atmospheric or climatic conditions, insects, parasites, vermin, mechanical or electrical breakdown, scratching, denting or any process of cleaning, drying, alteration or repair
5. shortages due to error, omission or depreciation in value
6. damage to brittle articles (including teeth or dentures)

SECTION 13 - RESTRICTED ENJOYMENT BENEFIT (HOSPITALISATION/FALSE ARREST/HIJACK AND KIDNAP)
To pay to the Insured Person £50 for each full period of 24 hours during the Operative Time of Cover that he/she:
1. spends in hospital as an inpatient or is confined to his/her room on the orders of a qualified medical practitioner as a result of physical medical incapacity (other than over exposure to the natural elements)
PROVIDED THAT:
A. the Company has accepted liability under Section 1 - Medical and Other Expenses - Covers 1 or 2 for the costs of such hospitalisation or consultation with a qualified medical practitioner or treatment received from a qualified medical practitioner or would have accepted liability for such costs had they been incurred outside the United Kingdom or were it not for the Excess under that Section of this policy
B. the Insured Person provides the Company within 30 days of returning from the Journey with a medical certificate confirming the period he/she was hospitalised or confined to his/her room and the cause of such hospitalisation or confinement
In the event that the Insured Person is hospitalised as a direct result of malicious and unprovoked assault by any person or persons not known to him/her this benefit will be doubled PROVIDED THAT the Insured Person reports the matter to the police IMMEDIATELY he/she is able to do so and provides the Company within 30 days of returning from the Journey with a police report confirming as such
2. is detained against his/her will by any lawful authority PROVIDED THAT he/she has not committed any criminal act or breach of any law or enactment, is released without charge and provides the Company within 30 days of returning from the Journey with written evidence from such person or persons by whom he/she was detained of the period detained together with proof that no criminal act or breach of any law or enactment had been committed by the Insured Person
3. is unlawfully detained against his/her will (whether hijacked, kidnapped or otherwise) by any person or persons not known to him/her PROVIDED THAT the Insured Person reports the matter to the police IMMEDIATELY upon his/her release and provides the Company within 30 days of returning from the Journey with a police report confirming the he/she was unlawfully detained and the dates of such detention and subject to a maximum overall benefit of £1,000 (proportionately increased in respect of any successful claim under Benefit 1 above due to malicious and unprovoked assault by any person or persons not known to the Insured Person subject to an overall maximum benefit of £2,000)

SECTION 18 - SKI EQUIPMENT
To pay up to £750 in total (after deduction of a suitable allowance for wear and tear and depreciation) in respect of accidental permanent loss of or damage to Ski Equipment being the property or responsibility of the Insured Person occurring during the Operative Time of Cover PROVIDED THAT:
1. the Company shall not be liable for more than:
A. £300 in total in respect of Ski Equipment hired by or to the Insured Person
B. £500 in total in respect of any one article, pair or set irrespective of single or joint ownership
2. the Company will have the option of repair, replacement, reinstatement or cash payment based on the intrinsic value of the article(s) in question
Excess
This insurance does not cover the first £40 per Insured Person in respect of each separate incident giving rise to a claim hereunder
Exclusions
1. Exclusions 2, 3A, 3C, 4 and 5 of Exclusions Applicable to Sections 7, 8 and 9 (on page 13 of this policy) will also apply to this Section
2. This insurance does not cover
A. theft or attempt thereat of Ski Equipment from any Unattended Vehicle
I. between the hours of 9pm and 9am local time
II. at any other time unless such vehicle has been secured from unauthorised entry and the Ski Equipment is:
a. hidden from view within the vehicle or
b. secured within a purpose-built lockable container fastened to the exterior of the vehicle and there is evidence that such theft involved violent and forcible means
B. theft or loss of Ski Equipment not reported to the local police within 24 hours and a written report obtained from them

SECTION 18 - SKI EQUIPMENT
To pay up to £750 in total (after deduction of a suitable allowance for wear and tear and depreciation) in respect of accidental permanent loss of or damage to Ski Equipment being the property or responsibility of the Insured Person occurring during the Operative Time of Cover PROVIDED THAT:
1. the Company shall not be liable for more than:
A. £300 in total in respect of Ski Equipment hired by or to the Insured Person
B. £500 in total in respect of any one article, pair or set irrespective of single or joint ownership
2. the Company will have the option of repair, replacement, reinstatement or cash payment based on the intrinsic value of the article(s) in question
Excess
This insurance does not cover the first £40 per Insured Person in respect of each separate incident giving rise to a claim hereunder
Exclusions
1. Exclusions 2, 3A, 3C, 4 and 5 of Exclusions Applicable to Sections 7, 8 and 9 (on page 13 of this policy) will also apply to this Section
2. This insurance does not cover
A. theft or attempt thereat of Ski Equipment from any Unattended Vehicle
I. between the hours of 9pm and 9am local time
II. at any other time unless such vehicle has been secured from unauthorised entry and the Ski Equipment is:
a. hidden from view within the vehicle or
b. secured within a purpose-built lockable container fastened to the exterior of the vehicle and there is evidence that such theft involved violent and forcible means
B. theft or loss of Ski Equipment not reported to the local police within 24 hours and a written report obtained from them

SECTION 18 - SKI EQUIPMENT
To pay up to £750 in total (after deduction of a suitable allowance for wear and tear and depreciation) in respect of accidental permanent loss of or damage to Ski Equipment being the property or responsibility of the Insured Person occurring during the Operative Time of Cover PROVIDED THAT:
1. the Company shall not be liable for more than:
A. £300 in total in respect of Ski Equipment hired by or to the Insured Person
B. £500 in total in respect of any one article, pair or set irrespective of single or joint ownership
2. the Company will have the option of repair, replacement, reinstatement or cash payment based on the intrinsic value of the article(s) in question
Excess
This insurance does not cover the first £40 per Insured Person in respect of each separate incident giving rise to a claim hereunder
Exclusions
1. Exclusions 2, 3A, 3C, 4 and 5 of Exclusions Applicable to Sections 7, 8 and 9 (on page 13 of this policy) will also apply to this Section
2. This insurance does not cover
A. theft or attempt thereat of Ski Equipment from any Unattended Vehicle
I. between the hours of 9pm and 9am local time
II. at any other time unless such vehicle has been secured from unauthorised entry and the Ski Equipment is:
a. hidden from view within the vehicle or
b. secured within a purpose-built lockable container fastened to the exterior of the vehicle and there is evidence that such theft involved violent and forcible means
B. theft or loss of Ski Equipment not reported to the local police within 24 hours and a written report obtained from them

SECTION 21 - UNUSED SKI PACK
To pay up to £500 in total in respect of the proportional return of the irrecoverable pre-booked cost of the lift pass, ski-school or Ski Equipment hire as a direct result of the Insured Person sustaining accidental bodily injury or suffering the onset of illness during the Operative Time of Cover which prevents him/her from participating in skiing facilities whilst certified medically unfit to do so PROVIDED THAT the Company has accepted liability under Section 1 - Medical and Other Expenses - Covers 1 or 2 for the medical, hospital or treatment costs or expenses incurred in respect of such injury or illness or would have accepted liability for such costs or expenses had they been incurred outside of the United Kingdom or were it not for the Excess under that Section of this policy.

SECTION 7 - PERSONAL MONEY
This Section only applies if shown on your policy certificate as included. To pay:
1. up to £500 in total in respect of accidental loss of personal Money owned solely by the Insured Person occurring during the Operative Time of Cover or during the 72 hours immediately prior to commencement of or subsequent to completion of the Journey
2. up to £100 in total in respect of fraudulent use of the Insured Persons own personal credit card(s) occurring during the Operative Time of Cover
PROVIDED THAT:
1. when not being carried by the Insured Person Money and credit cards must be kept in a safe or safety deposit box if one is available within the booked accommodation occupied by the Insured Person
2. all losses are reported to the police within 24 hours of discovery and a written report obtained from them and in respect of loss of travellers cheques and/or credit cards such loss is also reported to the appropriate issuing authority within 24 hours of discovery
3. loss of Sterling is limited to the amount permitted by currency regulations in force at the date of the Journey but not exceeding the above limit
4. the Company shall not be liable for more than £500 in respect of loss of cash, currency and bank notes Excess
This insurance does not cover the first £40 per Insured Person in respect of each separate incident giving rise to a claim
Exclusions Applicable to Sections 7, 8 and 9
This insurance does not cover:
1. loss, damage, theft or attempt thereat of:
A. Money, credit cards, passport or personal baggage left unattended in the open or any public place
B. the Insured Persons Valuables, Money, credit cards or passport from any Unattended Vehicle or from personal baggage unless carried by hand and under the personal supervision of the Insured Person
C. personal baggage from any Unattended Vehicle:
I. between the hours of 9pm and 9am local time
II. at any other time unless the vehicle has been:
a. secured from unauthorised entry and
b. the personal baggage hidden from view and
c. there is evidence of violent and forcible entry to or exit from such vehicle
D. personal baggage from any roof rack, external rack or container
2. loss or damage caused by or arising from:
A. delay, confiscation or detention by Customs or other officials or authorities
B. fraud or deception
3. loss of or damage to:
A. stamps, documents, contact or corneal lenses, hearing aids, alcohol, tobacco (or tobacco products), perishable goods, motor vehicles (or accessories), antiques or mobile telephones
B. sports equipment whilst in use
C. business goods, samples or tools
4. loss or damage due to wear and tear, gradual deterioration, atmospheric or climatic conditions, insects, parasites, vermin, mechanical or electrical breakdown, scratching, denting or any process of cleaning, drying, alteration or repair
5. shortages due to error, omission or depreciation in value
6. damage to brittle articles (including teeth or dentures)

SECTION 20 - PISTE CLOSURE
IMPORTANT this Section is only valid for Journeys between 1st November and 15th April
To pay up to £300 in total if during the Operative Time of Cover it is not possible for the Insured Person to ski in the resort to which he/she had prebooked to travel and in which he/she had intended to ski due to the total closure of all on piste skiing facilities solely and directly as a result of lack of snow or excessive snow or avalanche or threat of avalanche such payment being in respect of:
1. the cost of transfer to an alternative ski area up to a maximum of £15 per day for each full day that the Insured Person is unable to ski in such resort plus up to £10 per day for the purchase of a lift pass or if no alternative on piste skiing areas are available
2. compensation at the rate of £30 per day for each full day that the Insured Person is due to ski in such resort but is unable to do so as a result of such total closure of all on piste skiing facilities up to the maximum stated above PROVIDED THAT the Insured Person provides the Company within 30 days of returning from the Journey with written confirmation from the tour operators representative (or if unavailable the ski lift operators) of the dates of closure and reason for closure of such on piste skiing facilities

SECTION 20 - PISTE CLOSURE
IMPORTANT this Section is only valid for Journeys between 1st November and 15th April
To pay up to £300 in total if during the Operative Time of Cover it is not possible for the Insured Person to ski in the resort to which he/she had prebooked to travel and in which he/she had intended to ski due to the total closure of all on piste skiing facilities solely and directly as a result of lack of snow or excessive snow or avalanche or threat of avalanche such payment being in respect of:
1. the cost of transfer to an alternative ski area up to a maximum of £15 per day for each full day that the Insured Person is unable to ski in such resort plus up to £10 per day for the purchase of a lift pass or if no alternative on piste skiing areas are available
2. compensation at the rate of £30 per day for each full day that the Insured Person is due to ski in such resort but is unable to do so as a result of such total closure of all on piste skiing facilities up to the maximum stated above PROVIDED THAT the Insured Person provides the Company within 30 days of returning from the Journey with written confirmation from the tour operators representative (or if unavailable the ski lift operators) of the dates of closure and reason for closure of such on piste skiing facilities

SECTION 20 - PISTE CLOSURE
IMPORTANT this Section is only valid for Journeys between 1st November and 15th April
To pay up to £300 in total if during the Operative Time of Cover it is not possible for the Insured Person to ski in the resort to which he/she had prebooked to travel and in which he/she had intended to ski due to the total closure of all on piste skiing facilities solely and directly as a result of lack of snow or excessive snow or avalanche or threat of avalanche such payment being in respect of:
1. the cost of transfer to an alternative ski area up to a maximum of £15 per day for each full day that the Insured Person is unable to ski in such resort plus up to £10 per day for the purchase of a lift pass or if no alternative on piste skiing areas are available
2. compensation at the rate of £30 per day for each full day that the Insured Person is due to ski in such resort but is unable to do so as a result of such total closure of all on piste skiing facilities up to the maximum stated above PROVIDED THAT the Insured Person provides the Company within 30 days of returning from the Journey with written confirmation from the tour operators representative (or if unavailable the ski lift operators) of the dates of closure and reason for closure of such on piste skiing facilities

SECTION 19 - SKI EQUIPMENT HIRE CHARGES
To pay up to £400 in total in respect of the reasonable and necessary charges for the emergency hire of Ski Equipment if during the Operative Time of Cover the Insured Person is deprived of the Ski Equipment taken on the Journey for 12 hours or more from the time of arrival at the booked destination on the outward leg of the Journey due to delay or misdirection by the carrier (e.g. airline) PROVIDED THAT:
1. the non-arrival of the Insured Persons Ski Equipment is reported IMMEDIATELY to the carrier and a written report (or in the case of an airline a Property Irregularity Report) obtained from them
2. the Insured Person submits to the Company the receipts for all hire charges together with the carriers written report (or Property Irregularity Report) and written confirmation from the carrier of the number of hours delay.

SECTION 9 - PERSONAL BAGGAGE
This Section only applies if shown on your policy certificate as included. To pay up to £2,000 in total (after deduction of a suitable allowance for wear and tear and depreciation) in respect of accidental permanent loss of or damage to baggage (including clothing and personal effects, property worn or carried on the Insured Person, trunks, suitcases and like receptacles, pushchairs and hand propelled wheelchairs all being the property of the Insured Person or wheelchairs being the property or responsibility of the Insured Person taken, sent in advance or purchased whilst on the Journey) occurring during the Operative Time of Cover

SECTION 9 - PERSONAL BAGGAGE
This Section only applies if shown on your policy certificate as included. To pay up to £2,000 in total (after deduction of a suitable allowance for wear and tear and depreciation) in respect of accidental permanent loss of or damage to baggage (including clothing and personal effects, property worn or carried on the Insured Person, trunks, suitcases and like receptacles, pushchairs and hand propelled wheelchairs all being the property of the Insured Person or wheelchairs being the property or responsibility of the Insured Person taken, sent in advance or purchased whilst on the Journey) occurring during the Operative Time of Cover
PROVIDED THAT:
1. A. any loss of or damage to baggage occurring in transit is reported IMMEDIATELY on discovery to the carrier (e.g. airline) and a written report (or in the case of an airline a Property Irregularity Report) obtained from them
B. all other losses must be reported to the local police within 24 hours of discovery and a written report obtained from them
2. when not being worn or carried by the Insured Person items of jewellery must be kept in a safe or safety deposit box if one is available within the booked accommodation occupied by the Insured Person
3. the Company shall not be liable for more than:
A. £400 per any one article, pair or set irrespective of single or joint ownership
B. £400 in total in respect of loss of or damage to Valuables
C. the proportionate value of that part of any pair or set that is lost or damaged
4. the Company will have the option of repair, replacement, reinstatement or cash payment based on the intrinsic value of the article(s) in question
Excess
This insurance does not cover the first £40 per Insured Person in respect of each separate incident giving rise to a claim hereunder
Exclusions Applicable to Sections 7, 8 and 9
This insurance does not cover:
1. loss, damage, theft or attempt thereat of:
A. Money, credit cards, passport or personal baggage left unattended in the open or any public place
B. the Insured Persons Valuables, Money, credit cards or passport from any Unattended Vehicle or from personal baggage unless carried by hand and under the personal supervision of the Insured Person
C. personal baggage from any Unattended Vehicle:
I. between the hours of 9pm and 9am local time
II. at any other time unless the vehicle has been:
a. secured from unauthorised entry and
b. the personal baggage hidden from view and
c. there is evidence of violent and forcible entry to or exit from such vehicle
D. personal baggage from any roof rack, external rack or container
2. loss or damage caused by or arising from:
A. delay, confiscation or detention by Customs or other officials or authorities
B. fraud or deception
3. loss of or damage to:
A. stamps, documents, contact or corneal lenses, hearing aids, alcohol, tobacco (or tobacco products), perishable goods, motor vehicles (or accessories), antiques or mobile telephones
B. sports equipment whilst in use
C. business goods, samples or tools
4. loss or damage due to wear and tear, gradual deterioration, atmospheric or climatic conditions, insects, parasites, vermin, mechanical or electrical breakdown, scratching, denting or any process of cleaning, drying, alteration or repair
5. shortages due to error, omission or depreciation in value
6. damage to brittle articles (including teeth or dentures)

SECTION 12 - DELAYED BAGGAGE
To pay up to £250 in total for the emergency purchase of essential items of clothing and requisites if during the Operative Time of Cover the Insured Person is deprived of his/her personal baggage taken on the Journey for 12 hours or more from the time of arrival at the booked destination on the outward leg of the Journey due to delay or misdirection by the carrier (e.g. airline) such payment being made at the rate of £100 for the first full 12 hour period plus £100 for the next full 12 hours and an additional £50 if the period reaches or exceeds 36 consecutive hours
PROVIDED THAT:
1. the non-arrival of the Insured Persons personal baggage is reported IMMEDIATELY to the carrier and a written report (or in the case of an airline a Property Irregularity Report) obtained from them
2. the Insured Person submits to the Company receipts for all items purchased together with the carriers written report (or Property Irregularity Report) and written confirmation from the carrier of the number of hours delay.

SECTION 5 - CANCELLATION OR CURTAILMENT
To pay up to £5,000 in total in respect of the otherwise irrecoverable loss of deposits, instalments and balances paid or contracted to be paid by the Insured Person for the Journey in respect of travel and accommodation booked prior to the scheduled date of departure to commence such Journey and incurred as a result of the necessary and unavoidable cancellation or Curtailment of such Journey during the Operative Time of Cover due to:
1. the death, serious injury or serious illness occurring or manifesting itself during the Operative Time of Cover of the:
A. Insured Person or
B. person with whom the Insured Person is travelling or had arranged to stay or
C. Relative or Close Business Colleague of the Insured Person or of the person with whom the Insured Person is travelling or had arranged to stay
2. the Insured Person or person with whom he/she had arranged to travel or stay being summoned for jury service, subpoenaed as a witness at a court of law, involuntarily made redundant from permanent employment and certified as such by The Employment Service or compulsorily quarantined during the Operative Time of Cover
3. the Insured Persons home within the United Kingdom or the home within the United Kingdom of any person with whom the Insured Person is travelling being rendered uninhabitable by fire, storm or flood up to 14 days before the departure date
4. the presence of the Insured Person being required by the police following burglary at his/her home or normal place of business in the United Kingdom PROVIDED THAT at the time of effecting this insurance or booking the Journey the Insured Person was not aware of any reason why such Journey may have to be cancelled or curtailed
Conditions
1. Notification
A. Cancellation - notification of cancellation of the Journey must be given:
I. verbally to the Claims Handler
II. in writing to the tour operator or travel agent (or in respect of Journeys not arranged via a tour operator or travel agent to the accommodation and transport providers) IMMEDIATELY the circumstances giving rise to the claim occur
B. Curtailment - notification of Curtailment of the Journey must be given to the Assistance Company PRIOR TO the Insured Person arranging to return from the Journey
Excess
This insurance does not cover the first £40 per Insured Person (reduced to £15 in respect of loss of deposit) in respect of each separate incident giving rise to a claim hereunder
Exclusions
1. Any claim arising out of a material fact which was not declared by completing a medical self declaration form either when the Insured Person purchased this insurance or up to the date of the Insured Persons Journey
2. Any claims arising if at the time of purchasing this insurance the Insured Person or a travelling companion:
A. is aware of any circumstances which could reasonably be expected to give rise to a claim under this insurance
B. have had a cancerous, cardio-vascular, cerebro-vascular, renal, respiratory, psychiatric or mental condition
C. have had any other medical condition which is under the supervision of a hospital, consultant or doctor or has required any hospital admission or treatment in the previous 12 months
D. have been taking continuous medication and have had any change in medication or increase in dosage in the previous 12 months resulting from a deterioration in the condition being treated
E. have any medical conditions for which they are on a hospital or specialists waiting list for inpatient or outpatient treatment or investigation
F. are awaiting the results of any tests or investigations or are aware of any medical condition of any Relative or Close Business Colleague whether travelling with the Insured Person or not on whose state of health the Insured Persons decision to curtail the journey may depend
G. have been advised of a terminal prognosis
H. have any mental illness, anxiety or depression
However the Company may agree in writing not to apply exclusions 1 or 2A to H or the Company may impose special terms if the Insured Person applies to the Company with details of the condition by completing a medical self declaration form and this insurance is suitably endorsed
3. The Company shall not be liable for more than:
A. £5,000 or the contracted cost of the Insured Persons Journey (whichever is the lesser) subject to the scale of cancellation charges as defined in the booking conditions of the brochure(s) or contractual agreement
B. in respect of Curtailment claims only - the proportionate part of either:
I. £5,000 or
II. the total contracted Journey cost
(whichever is the lesser) for each day of the Journey foregone
4. Cover under this Section shall not apply in respect of:
A. death, injury or illness of persons not specifically mentioned herein
B. Curtailment not notified to and authorised by the Assistance Company PRIOR TO the Insured Person arranging to return from the Journey
C. the disinclination to travel of the Insured Person or any person with whom he/she is travelling
Condition
It is a condition of this insurance that if between the date of purchasing this insurance and the date of the Journey the Insured Person is diagnosed as having a medical condition as described above the Insured Person must complete a medical self declaration form which must be sent to the Company. If the details disclosed are unsatisfactory the Company reserves the right to impose special terms.

SECTION 11 - MISSED DEPARTURE
To reimburse the Insured Person up to £1,000 (or 100% of the final invoiced cost of the Journey whichever is less) in respect of reasonable additional and otherwise irrecoverable travel expenses which the Insured Person necessarily and reasonably incurs during the Operative Time of Cover to purchase a ticket for an alternative Journey to reach his/her overseas destination or return from his/her overseas destination to his/her home or place of business within the United Kingdom from such overseas destination as a consequence of:
1. mechanical breakdown or strike, riot, civil commotion, industrial action or inclement weather commencing during the Period of Insurance and causing interruption of scheduled public transport services PROVIDED THAT no warning of such strike, riot, civil commotion, industrial action or inclement weather had been given prior to booking the Journey or commencement of the Period of Insurance (whichever is the later)
2. accident or mechanical failure of the private motor vehicle in which the Insured Person is travelling PROVIDED THAT the private motor vehicle has been serviced in accordance with the manufacturers recommendations
3. temporary closure of the coach terminal, rail terminal, port or airport from which the Insured Person is due to depart due to any event (not otherwise excluded) beyond the coach terminal, rail terminal, port or airport operators control
4. abnormal and unforeseeable traffic congestion which the Insured Person can prove resulted in an increase in the time that such Journey would normally take of more than 2 hours occurring during the Operative Time of Cover and which causes the Insured Person to arrive at the coach terminal, rail terminal, port or airport too late to board the coach, train, sea vessel or aircraft upon which he/she had been booked to travel on his/her:
A. final international departure on the outbound Journey from the United Kingdom
B. final international departure on the return Journey to the United Kingdom
Excess
This insurance does not cover the first £40 per Insured Person in respect of each separate incident giving rise to a claim
Exclusions applicable to Sections 10 and 11
This insurance does not cover claims arising if the Insured Person fails to:
1. take all reasonable steps to arrive at the coach terminal, rail terminal, port or airport on time
2. check in at the coach terminal, rail terminal, port or airport according to the official itinerary supplied and/or obtain:
A. written confirmation from the carriers (or their handling agents) of the number of hours delay and the reason for such delay
B. a repairers report in the event of a claim in respect of accident, damage to or breakdown of the private motor vehicle in which the Insured Person was travelling

SECTION 10 - TRAVEL DELAY
To pay up to the limits shown below in total in the event of:
1. strike, industrial action, riot or civil commotion, adverse weather conditions or mechanical breakdown or
2. the temporary closure of the coach terminal, rail terminal, port or airport from which the Insured Person is due to depart due to any event (not otherwise excluded) beyond the coach terminal, rail terminal, port or airport operators control resulting in a delay of at least 12 hours (reduced to 6 hours in the case of scheduled air transport) in the departure of any coach, train, sea vessel or aircraft in which the Insured Person is booked to travel during the Operative Time of Cover on any leg of the Journey
A. COMPENSATION
The Company will pay the Insured Person £50 for the first 12 hours delay in any single leg of the Journey (reduced to 6 hours in the case of scheduled air transport) plus £25 for each subsequent period of 12 hours delay in the same leg of the Journey and £25 for each period of 12 hours delay on any subsequent leg of the Journey subject to a maximum of one payment of £50 and an overall maximum payment of £300 for all
legs of the Journey
B. CANCELLATION
If after 24 hours delay in departure on the initial outward leg of the Journey the Insured Person wishes to cancel his/her Journey the Company will reimburse the final invoice cost of such Journey in respect of travel and accommodation up to but not exceeding £5,000 in total
PROVIDED THAT:
1. the Insured Person checks in at the coach terminal, rail terminal, port or airport according to the itinerary and obtains written confirmation from the carrier (or their handling agents) of the number of hours delay in departure of such conveyance from the time shown in the itinerary and the reasons for such delay
2. no warning of any such strike, riot, civil commotion, industrial action or inclement weather resulting in a claim under this Section had been given prior to booking the Journey or commencement of the Period of Insurance (whichever is the later)
Exclusions applicable to Sections 10 and 11
This insurance does not cover claims arising if the Insured Person fails to:
1. take all reasonable steps to arrive at the coach terminal, rail terminal, port or airport on time
2. check in at the coach terminal, rail terminal, port or airport according to the official itinerary supplied and/or obtain:
A. written confirmation from the carriers (or their handling agents) of the number of hours delay and the reason for such delay
B. a repairers report in the event of a claim in respect of accident, damage to or breakdown of the private motor vehicle in which the Insured Person was travelling

SECTION 10 - TRAVEL DELAY
To pay up to the limits shown below in total in the event of:
1. strike, industrial action, riot or civil commotion, adverse weather conditions or mechanical breakdown or
2. the temporary closure of the coach terminal, rail terminal, port or airport from which the Insured Person is due to depart due to any event (not otherwise excluded) beyond the coach terminal, rail terminal, port or airport operators control resulting in a delay of at least 12 hours (reduced to 6 hours in the case of scheduled air transport) in the departure of any coach, train, sea vessel or aircraft in which the Insured Person is booked to travel during the Operative Time of Cover on any leg of the Journey
A. COMPENSATION
The Company will pay the Insured Person £50 for the first 12 hours delay in any single leg of the Journey (reduced to 6 hours in the case of scheduled air transport) plus £25 for each subsequent period of 12 hours delay in the same leg of the Journey and £25 for each period of 12 hours delay on any subsequent leg of the Journey subject to a maximum of one payment of £50 and an overall maximum payment of £300 for all
legs of the Journey
B. CANCELLATION
If after 24 hours delay in departure on the initial outward leg of the Journey the Insured Person wishes to cancel his/her Journey the Company will reimburse the final invoice cost of such Journey in respect of travel and accommodation up to but not exceeding £5,000 in total
PROVIDED THAT:
1. the Insured Person checks in at the coach terminal, rail terminal, port or airport according to the itinerary and obtains written confirmation from the carrier (or their handling agents) of the number of hours delay in departure of such conveyance from the time shown in the itinerary and the reasons for such delay
2. no warning of any such strike, riot, civil commotion, industrial action or inclement weather resulting in a claim under this Section had been given prior to booking the Journey or commencement of the Period of Insurance (whichever is the later)
Exclusions applicable to Sections 10 and 11
This insurance does not cover claims arising if the Insured Person fails to:
1. take all reasonable steps to arrive at the coach terminal, rail terminal, port or airport on time
2. check in at the coach terminal, rail terminal, port or airport according to the official itinerary supplied and/or obtain:
A. written confirmation from the carriers (or their handling agents) of the number of hours delay and the reason for such delay
B. a repairers report in the event of a claim in respect of accident, damage to or breakdown of the private motor vehicle in which the Insured Person was travelling

SECTION 2 - PERSONAL LIABILITY
The Company will indemnify the Insured Person against Legal Liability for Damages (and claimants costs and expenses) and Defence Costs in respect of:
1. accidental bodily injury to or death, disease or illness of a third party caused by the Insured Person
2. accidental physical loss of or damage to material property caused by the Insured Person and occurring during the Operative Time of Cover
PROVIDED THAT:
1. the Insured Person:
A. forwards to the Claims Handler IMMEDIATELY upon receipt every letter, claim, writ, summons or process
B. notifies the Claims Handler in writing when the Insured Person has knowledge of any impending prosecution, inquest, fatal accident or ministry inquiry in connection with any such accident
2. no admission, offer, promise, payment or indemnity is made or given by or on behalf of the Insured Person without the written consent of the Company In the event of the death of the Insured Person the Company will indemnify the legal personal representatives of the Insured Person as though they were the Insured Person but only in respect of liability incurred by the Insured Person
Limit of Indemnity
The liability of the Company under this Section for Damages and claimants costs and expenses in respect of one occurrence or of a series of occurrences consequent on or attributable to one source or original cause or incident shall not exceed £2,000,000 in total
Excess
This insurance does not cover the first £40 of each and every claim in respect of loss of or damage to property
Exclusions
This insurance does not cover:
1. accidental bodily injury to or death, disease or illness of any person under a contract of service or apprenticeship with the Insured Person arising out of and in the course of such contract of service or apprenticeship
2. liability in respect of loss of or damage to property belonging to or held in trust by or in the charge, care, custody or control of the Insured Person or any member of the Insured Persons family other than temporary accommodation
3. liability arising directly or indirectly by, through or in connection with the:
A. ownership of any premises, land or building
B. ownership, possession, control or use by or on behalf of the Insured Person of any:
I. mechanically propelled vehicle, aircraft or other aerial or aerospatial device, hovercraft or watercraft (other than the use [but not ownership] on inland waterways of pontoons, hand propelled watercraft or watercraft less than five metres long powered by sail or an unmodified outboard engine rated by the original manufacturer at not more than 10hp)
II. firearm
III. animals (other than normally domesticated pet dogs within the United Kingdom)
4. liability arising directly or indirectly from the transmission of any communicable disease or Human Immunodeficiency Virus (HIV) and/or any HIV related illness including Acquired Immune Deficiency Syndrome (AIDS) and/or any mutant derivatives or variations thereof
5. liability which attaches to the Insured Person by reason of an agreement or contract unless such liability would have attached in the absence of such agreement or contract
6. punitive, exemplary or any multiple of compensatory damages
7. liability arising out of or in connection with the Insured Persons business, profession or employment

SECTION 14 - CATASTROPHE
To pay the Insured Person £50 for each full period of 24 hours up to a maximum of £500 in total in respect of reasonable additional and otherwise irrecoverable accommodation expenses incurred by the Insured Person as a result of being forced to move from the accommodation booked in advance for the Journey following an emergency or a government, provincial government, municipal or local declaration of such emergency occurring during the Operative Time of Cover.

GENERAL EXCLUSIONS (APPLICABLE TO ALL SECTIONS)
1. This insurance does not cover any:
A. person:
I. aged 81 years or over at the Date of Issue if single trip cover selected or aged 71 years and over if annual multi-trip cover selected
II. not permanently resident in the United Kingdom
B. loss, damage, bodily injury, death, disease, illness, liability costs or expenses arising out of or in connection with any:
I. manual work or hazardous occupation of any kind undertaken by the Insured Person during his/her Journey
II. wilful, malicious or criminal act of the Insured Person or breach of any law or enactment by the Insured Person
C. claim arising out of a Material Fact which was not declared by completing a medical self declaration form either when the Insured Person purchased this insurance or up to the date of the Insured Persons Journey
D. I. for any claims arising if at the time of purchasing this insurance the Insured Person or a travelling companion:
a. is aware of any circumstances which could reasonably be expected to give rise to a claim under this insurance
b. have had a cancerous, cardio-vascular, cerebro-vascular, renal, respiratory, psychiatric or mental condition
c. have had any other medical condition which is under the supervision of a hospital or a consultant or doctor or has required any hospital admission or treatment in the previous 12 months
d. have been taking continuous medication and have had any change in medication or increase in dosage in the previous 12 months resulting from a deterioration in the condition being treated
e. have any medical conditions for which they are on a hospital or specialists waiting list for inpatient or outpatient treatment or investigation
f. are awaiting the results of any tests or investigations or are aware of any medical condition of any Relative or Close Business Colleague whether travelling with the Insured Person or not on whose state of health the Insured Persons decision to curtail the Journey may depend
g. have been advised of a terminal prognosis
h. have any mental illness, anxiety or depression
II. However the Company may agree in writing not to apply exclusions C or D Ia to h or the Company may impose special terms if the Insured Person applies to the Company with details of the condition by completing a medical self declaration form and this insurance is suitably endorsed
III. claim caused by or arising from:
a. pregnancy or childbirth but this exclusion shall not apply in respect of any Journey commencing and ending more than 8 weeks prior to the expected date of birth
b. wilfully self inflicted illness or injury, the influence of intoxicating liquor or drugs (except drugs taken in accordance with treatment prescribed and directed by a registered medical practitioner other than for drug addiction), alcoholism, drug addiction, solvent abuse, sexually transmitted diseases, travel contrary to medical advice or where the purpose of travelling is to obtain medical treatment
E. loss, damage, bodily injury, death, disease, illness, liability costs or expenses attributable directly or indirectly to Human Immunodeficiency Virus (HIV) and/or any HIV related illness including Acquired Immune Deficiency Syndrome (AIDS) and/or any mutant derivatives or variations thereof
F. death, injury, illness or disablement directly or indirectly resulting from or consequent upon the Insured Persons own suicide or attempted suicide or deliberate exposure to danger (except in an attempt to save human life) or the Insured Persons own criminal act
G. additional costs or supplements arising from single or private room(s) not approved in advance by the Assistance Company
H. war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war or any act, condition or warlike operation incident to war
I. warlike action by a regular or irregular military force or civilian agents, or any action taken by any government, sovereign or other authority to hinder or defend against an actual or expected attack
J. insurrection, rebellion, revolution, attempt to usurp power or popular uprising or any action taken by governmental or martial authority in hindering or defending against any of these
K. discharge, explosion or use of a weapon of mass destruction whether or not employing nuclear fission or fusion, or chemical, biological, radioactive or similar agents, by any party at any time for any reason
L. Terrorist Action or any action taken by anyone to prevent real or perceived imminent Terrorist Action or to address ongoing Terrorist Action. This exclusion does not apply to Section 1 - Medical and Other Expenses, Section 3 - Personal Accident and Section 9 - Personal Baggage except where nuclear, chemical or biological weapons are used
M. loss, destruction, damage, liability costs or expenses caused by pressure waves from aircraft or other aerial devices travelling at sonic or supersonic speeds
N. claim directly or indirectly caused by, contributed to or arising from:
I. ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel
II. the radioactive, toxic, explosive or other hazardous properties of any explosive, nuclear assembly or nuclear component thereof
O. claim directly or indirectly caused by, contributed to or arising from a Journey to a destination where the Foreign and Commonwealth Office has advised against travel (telephone +44 (0)20 7008 0232/0233 or visit their website at www.fco.gov.uk )
2. This insurance does not apply whilst the Insured Person is engaging in:
A. motorcycling as either a driver or a passenger unless the person driving the motorcycle holds a current valid full motorcycle driving licence permitting him/her to drive such motorcycle and the motorcycle has an engine capacity of 125cc or less
B. air travel other than as a passenger in a licensed aircraft being operated by a licensed commercial air carrier
C. big game hunting, BMX stunt riding, boxing, bungee jumping, canyoning, free climb mountaineering, go-karting, gymnastics, heli-skiing, high diving (other than from a purpose built diving board over a man-made swimming pool), horse riding (jumping trials, hunting and competitive riding), jousting, martial arts, micro-lighting, motor rallies or competitions, mountaineering (ordinarily necessitating the use of ropes or guides), outdoor endurance, outward bound courses, racing, safaris (with guns), sailing (offshore), show jumping, sky diving, sky surfing, snowboarding (without a leash), stunt events, underground activities (other than as part of an organised excursion or tour), water-ski jumping, white water rafting (above grade 3) or wrestling
D. any organised sports trips or tours whilst the Insured Person is playing. If the wintersports extension is stated in the policy certificate as being applicable, this exclusion shall not apply in respect of amateur inter sports not otherwise excluded or any variations thereof UNLESS declared to and accepted in writing by the Company
E. any sport or hazardous activity not listed in the LEISURE SPORTS ACTIVITIES COVERED SECTION.
F. winter sports of any kind UNLESS stated in the policy certificate as included in which case this insurance does not apply whilst the Insured Person is engaging in ski-touring, ski-racing competitions and training therefore (other than properly supervised competitions organised and held on piste by a ski-school as part of their official course), freestyle skiing, ski-jumping, ski-flying, ski-acrobatics, ski-stunting, extreme skiing, extreme snowboarding, skeletoning and luge or any versions thereof
3. A. The Company shall not be liable for:
I. failure or any consequence of the failure of the Legal Expenses Insurer or their servants or agents to satisfy in all or in part their obligations under Section 4 - Legal Expenses
II. any errors or omissions or any consequence thereof in the advice, service or assistance given by the Legal Expenses Insurer or their servants or agents in relation to the cover provided under Section 4 - Legal Expenses or the Free Legal Helpline
B. The Legal Expenses Insurer and/or their servants and agents shall not be liable for:
I. the failure or any consequence of the failure of the Company or their servants or agents to satisfy in all or in part their obligations under this policy
II. any errors or omissions or any consequence thereof in the advice, service or assistance given by the Company or their servants or agents in respect of the cover provided under any Section other than Section 4 - Legal Expenses
4. The Company shall not be liable for any claim caused by or arising from the 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 Section 1 - Medical and Other Expenses - Sub-Sections 1 or 2 or Section 3 - Personal Accident
5. The Company shall not be liable for any claims arising directly or indirectly for Journeys that:
A. if single trip cover is selected are booked or expected to exceed 31 days where the Insured Person is aged 71 to 80 years
B. if annual multi-trip cover is selected are booked or expected to exceed 45 days
C. after inception are expected to exceed the maximum duration noted under the Period of Insurance UNLESS declared to and accepted in writing by the Company
D. are booked for one-way travel

GENERAL EXCLUSIONS (APPLICABLE TO ALL SECTIONS)
1. This insurance does not cover any:
L. Terrorist Action or any action taken by anyone to prevent real or perceived imminent Terrorist Action or to address ongoing Terrorist Action. This exclusion does not apply to Section 1 - Medical and Other Expenses, Section 3 - Personal Accident and Section 9 - Personal Baggage except where nuclear, chemical or biological weapons are used.

GENERAL EXCLUSIONS (APPLICABLE TO ALL SECTIONS)
1. This insurance does not cover any:
L. Terrorist Action or any action taken by anyone to prevent real or perceived imminent Terrorist Action or to address ongoing Terrorist Action. This exclusion does not apply to Section 1 - Medical and Other Expenses, Section 3 - Personal Accident and Section 9 - Personal Baggage except where nuclear, chemical or biological weapons are used.

GENERAL EXCLUSIONS (APPLICABLE TO ALL SECTIONS)
4. The Company shall not be liable for any claim caused by or arising from the 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 Section 1 - Medical and Other Expenses - Sub-Sections 1 or 2 or Section 3 - Personal Accident.

GENERAL CONDITIONS (APPLICABLE TO ALL SECTIONS)
1. Precautions - The Insured Person MUST:
A. take all reasonable precautions to prevent anything happening which may give rise to a claim under this policy and take all requisite steps for safeguarding and recovering the personal baggage and personal Money insured
B. not book or undertake the Journey against medical advice or if he/she has any reason to believe that such Journey may have to be cancelled or curtailed
2. Claims - If there are any circumstances that may give rise to a claim under this policy the Insured Person must follow the procedure How to Make a Claim detailed on page 17 and supply at the request of and free of expense to the Insurers all such proof, information and evidence and provide all such assistance as the Insurers may require, complying with ALL reasonable deadlines set by the Insurers and complying with ALL deadlines set by any court or legally empowered authority for the disclosure of information, production of proof, evidence and/or documentation and provision of assistance. No admission, offer, promise, payment or indemnity shall be made or given by or on behalf of the Insured Person without the written consent of the Insurers
3. Insurers rights in the event of a claim in respect of all Sections other than Section 4 - Legal Expenses -
A. The Company shall be entitled but not bound to take over and conduct in the name of the Insured Person the defence or settlement of any claim or to prosecute in the name of the Insured Person for its own benefit any claim for indemnity or damages or otherwise and shall have full discretion in the conduct of any proceedings and in the settlement of any claim
B. The Company shall be entitled at any time in its own name or in the name of the Insured Person to take action to effect the recovery of any part of the personal baggage and/or personal Money insured or for securing reimbursement in respect of any loss or damage and the Insured Person shall give the Company all information and assistance in so doing
C. Upon payment of any claim under Section 9 Personal Baggage (and/or Section 15 - Ski Equipment - if applicable) other than for repair, any part of the property in respect of which payment is made shall belong to the Company subject to the Insured Person s right to reclaim it upon repayment to the Company of the amount paid by the Company
D. The Company may at any time pay to the Insured Person in connection with any claim or series of claims under Section 2 - Personal Liability the amount of the Limit of Indemnity (after deduction of any sum or sums already paid in Damages) or any lesser amount for which such claim or claims can be settled and upon such payment being made the Company shall relinquish the conduct and control of and be under no further liability in connection with such claim or claims except for the payment of Defence Costs recoverable or incurred prior to the date of such payment The liability of the Company to pay Defence Costs where Damages exceeding the Limit of Indemnity have to be paid and the Company has not exercised its rights under this Condition shall be limited to such proportion of the said Defence Costs as the Limit of Indemnity bears to the amount paid to dispose of the claim or series of claims
4. Fraud - If any claim is in any respect fraudulent or if any fraudulent means or devices are used by the Insured Person or any person acting on his/her behalf to obtain benefit under this policy all benefit hereunder shall be forfeited
5. Cancellation - The Insured Person may cancel this policy by returning it to the Administrator together with written cancellation instructions at any time within 14 days of the Date of Issue but before commencing any Journey and PROVIDED THAT no claim has been made the premium will be refunded in full
6. Observance - The due observance and fulfilment of the terms, provisions, conditions and limitations of this policy so far as they relate to anything to be done or complied with by the Insured Person and the disclosure of all Material Facts shall be condition precedent to any liability of the Insurers to make any payment under this policy
7. Arbitration in respect of all Sections other than Section 4 - Legal Expenses - If any difference shall arise as to the amount to be paid under this policy (liability being otherwise admitted) such difference shall be referred to an arbitrator to be appointed by the parties in accordance with the statutory provisions for the time being in force in England and Wales. The place of arbitration shall be in London and the language of the arbitration shall be English
Where any difference is by this condition to be referred to arbitration the making of an award shall be a condition precedent to any right of action against the Company
8. Jurisdiction - The Insured Person and the Insurers have agreed that this policy shall be governed by and construed in accordance with English Law
9. Uninsured Expenses - If any costs and/or expenses not covered by this insurance have been incurred by the Insurers on the Insured Persons behalf or any additional or increased costs and/or expenses incurred by the Insurers as a result of the Insured Persons failure to comply with the terms, provisions, conditions and limitations of this policy then the Insured Person shall repay all such costs and/or expenses to the Insurers within 30 days of his/her being requested to do so by the Insurers
10. Other Insurance or Indemnities -
A. the Insurers will not seek contribution from any other insurance held by the Insured Person in respect of any claim under Section 3 - Personal Accident
B. the Insurers will seek contribution from any other insurance held by the Insured Person where:
I. there is in force insur