Your Travel Insurance Policy - Post Office

Contract of Insurance(d) You not having the correct passport, visa orother entry documents.(e) Your decision not to go or continue with thetrip for reasons other than those listed above.(f) Your suicide, attempted suicide, intentional selfinjuryor deliberate exposure to danger (unlessin an attempt to save someone’s life).(g) You being under the influence of alcohol, solventsor drugs (except drugs prescribed by a doctorother than for the treatment of drug abuse).2. We will not pay any claim resulting directlyor indirectly from you participating in anyhazardous activity.3. If you do not tell the travel agent, tour operatoror organisations providing transport andaccommodation as soon as you need to cancelyour trip, the amount we pay will be limited tothe cancellation charges that would have appliedat that time.4. We will not pay the excess value stated in the tableon page 32 for your chosen cover option (reducedto £10 for loss of deposit only claims) for any loss,charge or expense incurred in respect of everyclaim made for each of you under this Section.For Classic and Premium cover only, you will nothave to pay the excess if you have paid the excesswaiver premium.Section 2 – Delayed DepartureCoverDelayed DepartureBasic PolicyDelayed Departure£15 for first 8 hours£15 for each 12 hour period thereafterAbandonment after 12 hoursCoverClassic PolicyDelayed Departure£20 for first 8 hours£20 for each 12 hour period thereafterAbandonment after 12 hoursCoverPremium PolicyDelayed Departure£25 for first 8 hours£25 for each 12 hour period thereafterAbandonment after 12 hoursLimit ofCover (up to)£200£500Limit ofCover (up to)£300£5,000Limit ofCover (up to)£400£10,000PolicyExcessNo Excess£100PolicyExcessNo Excess£60PolicyExcessNo Excess£45Conditions Applying to Curtailment1. If you have to return home early AssistanceInternational must be called immediately oras soon as reasonably possible to authoriseany expenses. If you do not do this we maynot pay your claim.2. You must not arrange in-flight medical care foryour return journey without the permission ofAssistance International. Our medical advisers willconsult with the doctors treating you to decide onreasonable grounds if this is necessary and willmake the most appropriate arrangements for you.3. We may instruct you to return home if ourmedical advisers and the doctors treating youdecide on reasonable grounds that you are fitto travel. If you refuse to be repatriated all coverunder the policy will cease.4. Before you return home for medical reasons youmust get a doctor’s certificate to confirm that thisis necessary and you are fit to travel.What is covered (Basic and Classic Cover Only)If the transport on which you are booked asa passenger for your outward or return journeyis delayed or cancelled due to:• A serious fire, storm or flood damage to thedeparture point• Industrial action• Bad weather• Mechanical breakdown of the international trainor sea vessel; or• The grounding of the aircraft due to a mechanicalor a structural defect.We will pay you one of the following:Either1. Compensation up to the value stated in theabove Delayed Departure table according to thelevel of cover chosen. Delay benefit will be basedon the difference between the actual time ofdeparture and the scheduled departure time.or2. Abandonment up to the value stated in theabove Delayed Departure table according to thelevel of cover chosen (including unused kennelor cattery expenses up to £250) in total for your12