Policy Wording - Insure me 4

Curtailment/curtail/curtailed – either:
a) cutting short the trip by immediate direct early return to your home area, in which case claims will
be calculated from the day you returned to your home area and based on the number of complete
days of your trip you have not used, or
b) being a hospital in-patient outside your home area for a period in excess of 48 hours.
Claim(s) – Any event which leads to a claim being made by you under the terms of this policy. A series of
claims arising out of one event shall constitute one claim.
Cyber-terrorism – The use of disruptive activities, or the threat thereof, against computers and/or
networks, with the intention to cause real-world harm or severe disruption of infrastructure.
Damages – Compensation or indemnity for loss suffered owing to the deterioration or destruction of your
property, you suffering bodily injury and injuries caused to animals.
Dangerous activity – Means any professional sporting activity, any kind of racing except racing on foot,
winter sports over 17 days, or any sporting or physical activity except those listed in the Sports and
Activities section or those accepted by us in writing.
Destination – The geographic area to which you travel during your trip.
Doctor – A registered practising member of the medical profession who is not related to you or anyone you
are travelling with.
Excess – Under most sections of this policy you have to pay the first part of any claim.
This is called an excess. The excess will apply to each person claiming, and to each incident and to each
section of the policy you claim under. The excess amount is shown in the table of benefits on pages 3 – 5
under each section.
Family cover – You and your husband/wife or civil partner, partner (who have co-habited for at least 6
months), your unmarried, dependent children (including adopted, fostered and step-children) under the
age of 18 years (or under the age of 21 if in full-time education), living in the same household (except
children when attending full-time education). On an annual multi-trip policy, adults and children can travel
independently but children must always be accompanied by a responsible adult over 18 years.
Geographical limits – The countries of the zone for which you have paid the appropriate premium
as specified on the certificate, except for those countries or parts of countries where the Foreign &
Commonwealth Office (FCO) has advised against travel.
Cover applies door-to-door, so the appropriate benefits (unless stated otherwise) apply within your country
of departure once you commence your trip, and during your return journey to your home. You will be
covered when travelling by recognised public transport between countries, but not if you are being paid to
crew a private motor or sailing vessel or are travelling by private plane.
Single trip
Zone 1 – The United Kingdom
Zone 2 – Albania, Andorra, Armenia, Austria, Azerbaijan, Belarus, Belgium, Bosnia-Herzegovina,
Bulgaria, Channel Islands, Croatia, Cyprus, Czech Republic, Denmark (including Faeroe Islands), Egypt,
Estonia, Finland, France (including Corsica), Georgia, Germany, Gibraltar, Greece (including Greek
Isles), Hungary, Iceland, Ireland, Italy (including Aeolian Islands, Sardinia, Sicily), Latvia, Liechtenstein,
Lithuania, Luxembourg, Macedonia, Malta, Moldova, Monaco, Morocco, Netherlands, Norway
(including Jan Mayen, Svalbard Is), Poland, Portugal (including Azores, Madeira Islands), Republic of
Ireland, Romania, Russia (European), San Marino, Serbia/Montenegro (including Kosovo), Slovakia,
Slovenia, Spain (including Balearic Islands, Canary Islands), Sweden, Switzerland, Tunisia, Turkey,
Ukraine, United Kingdom and Vatican City.
14 Travel Insurance Policy Documents