Policy Wording - Insure me 4

Manual work – Work involving hands-on involvement with the installation, assembly, maintenance or
repair of electrical, mechanical or hydraulic plant, (other than in a purely managerial/supervisory, sales
or administrative capacity), or the undertaking of any trade of plumber, electrician, lighting or sound
technician, carpenter, painter/decorator or builder, or manual labour of any kind (other than in the catering
industry). Cover for manual work will be provided where such work is solely in a voluntary capacity, for
a charity registered under the charity commission in England and Wales, the Scottish Charity Regulator
or the department for social development in Northern Ireland and where there is no financial gain. In
such circumstances, there will be no cover for hands-on involvement with the installation, assembly,
maintenance, repair or use of heavy electrical, mechanical or hydraulic plant or machinery, or for working
more than 3 meters above the ground, or for working below the ground and cover for personal accident
and personal liability is excluded.
In the event of an injury occurring as a result of voluntary labour, the policy excess under Section 2
(Medical Emergency & Repatriation) will be increased to £250 and application of excess waiver will not
delete this increased excess. Cover excludes interaction with wild animals of any kind.
Medical condition – Any medical or psychological disease, sickness, condition, illness or injury that has
affected you or any close relative, close business associate, travelling companion or person with whom
you intend to stay whilst on your trip.
Medical health declaration – Medical information that needs to be declared to us before each period of
insurance by any insured person who has suffered from a pre-existing medical condition.
Medical officer – An appropriately licensed and qualified medical professional employed or contracted by
us or by ERV Assistance, experienced in the assessment of the requirements of medical treatment abroad
and repatriation.
Medical practitioner – A legally licensed member of the medical profession, recognised by the law of the
country where treatment is provided and who, in rendering such treatment is practising within the scope of
his/her licence and training, and who is not related to you or any travelling companion.
Money – Cash, travellers’ and other cheques and your personal credit/debit or charge cards.
Pair or set – A number of items of personal baggage considered as being similar or complementary to one
another or used together.
Period of insurance – The period shown on the certificate. Subject to:
Long stay policies – Cancellation cover (where applicable) starts when you purchase this
insurance or when you book your trip, whichever is the later. Cover for all other sections applies for the
duration of your trip as stated on your certificate provided it does not exceed;
1) If you are aged 65 or under, a maximum of 550 consecutive days;
2) If you are aged between 66 and 70 inclusive, a maximum of 366 days if travelling within zones
1 and 2, a maximum of 276 days if travelling within zone 3 and a maximum of 184 days if
travelling within zone 4;
3) If you are aged between 71 and 75 inclusive, a maximum of 366 days if travelling within zones
1 and 2, a maximum of 184 days if travelling within zone 3 and a maximum of 123 days if
travelling within zone 4;
Single trip policies – The period of the trip terminating upon the trips completion, but not in any case
exceeding the period shown on the certificate. Under single trip policies, Section 6 – Cancellation
cover shall start from the time you pay the premium and evidence of insurance is issued or when
you book your trip, whichever is the later and will stop at the departure of your trip. In the event of
you making a cancellation claim all remaining cover will immediately cease for that trip. For all other
16 Travel Insurance Policy Documents