Your Travel Insurance Policy - Post Office

Contract of InsuranceClose RelativeYour mother, father, sister, brother, wife, husband,fiancé(e), partner, daughter, son, grandparent,grandchild, parent-in-law, son-in-law, daughterin-law,sister-in-law, brother-in-law, step-parent,step-child, stepsister, stepbrother, aunt, uncle, cousin,nephew, niece.Business AssociateAnyone who works at your place of business and who,if you were both away from work at the same time,would prevent the business from running properly.Curtailment / Cutting short your tripYour early return to home before the scheduledreturn date.FamilyLone parents or two adults who are married orliving together as married and an unlimited numberof dependent children (including sons, daughters,grandchildren, nieces or nephews of those takingout lone parent or family cover) under the age of18. Insured adults can travel independently butdependant children must travel with the insuredadult or, under an Annual Multi-Trip policy, betravelling to or returning from the insured adult.Hazardous ActivitiesAn activity which may increase the risk of injuryor liability for an insured person or persons.(Please see page 9).HomeYour permanent private residential addressin the United Kingdom.Period of InsuranceThe period you are covered for. The time that coverfor particular Sections starts and ends is given inmore detail below.For Single Trip insurance:• Cancellation cover starts at the date and timeof issue recorded as part of your applicationand as shown on your policy confirmation,and ends when you leave home to go on your trip.• All other cover begins when you leave home to goon your trip and lasts until you arrive home, as longas that is within the period of insurance paid for. Themaximum duration of any trip is 90 days.For Annual Multi-Trip insurance:• Cancellation cover starts when you book eachtrip or at the date and time of issue recorded aspart of your application as shown on your policyconfirmation, if this is later.• Cover under all other Sections begins when youleave home to go on your trip and ends when youarrive home from that trip.• There is no limit to the number of leisure tripsyou may take, but each trip must be shorter than31 days. This can be extended to 45 days if you areunder the age of 65 at the start date of the policy andhave paid the additional premium and this is shownon your Policy Schedule. The start and finish dates ofthe trip must fall within the 12 month period of theAnnual Multi-Trip insurance or within a periodof continuous Post Office ® Travel Insurance cover.• For persons under the age of 65 at the start dateof the policy and if you have paid the appropriatepremium to include winter sports the maximumperiod of cover provided for winter sports is 21 daysin total during the 12 month period of insurance.Cover is provided for more than one winter sportstrip provided you do not exceed 21 days in total.• For trips booked during the 12 month period ofinsurance that start after the end of that period, wewill provide cancellation cover until the policy ends.For all trips:• The insurance is only valid if you have insured thewhole duration of each individual trip, as shownon your policy schedule. For Annual Multi-Trip thiswill either be a maximum trip duration of either 31days or 45 days per trip, as shown on your policyschedule. This means that you would not be coveredfor any part of a trip which is longer than the insuredtrip duration shown on your policy schedule.• We will extend the period of insurance by up to30 days, at no extra cost, if you have to stay on yourtrip longer because of events which you have nocontrol over. If the transport you are on is hijacked,we will automatically provide worldwide cover.The period of insurance will continue for up to12 months without extra charge.Permanent total disablementTotal and permanent disability which medicalevidence confirms will prevent you undertaking paidwork of any and every kind for the rest of your life.Personal BelongingsPersonal effects owned by you and taken,worn or purchased on the trip.Personal Money and DocumentsCash (coins and notes), travellers’ cheques, postaland money orders, travel or admission tickets,coupons or vouchers which have a monetary value– passports, visas and green cards you have for yourprivate use on the trip.10