Your Travel Insurance Policy - Post Office

Contract of Insurance3. If you miss the departure because your vehiclebreaks down or you are involved in an accident,you must send us a repairer’s report or policeaccident report.4. If you miss the departure because of a road trafficaccident involving another vehicle, you must sendus confirmation from the police or motoringauthorities (e.g. Highways Agency, RAC, AA etc)to confirm the delay.Section 4 – Medical Emergency andAssociated Expenses1. If you are travelling outside the United Kingdomwe will pay up to the value stated in the tableon page 32 for your chosen cover option for anynecessary and reasonable expenses caused byyour illness, injury or death commencing andoccurring during the period of insurance forthe following:(a) Expenses you would have to pay, outside theUnited Kingdom and the country where younormally live, within 12 months of the startof your illness or injury. The expenses mustbe for medical, surgical and hospital charges,ambulances, nursing homes and nursing.(b) Emergency dental treatment up to £200for the immediate relief of pain only.(c) The extra cost of you returning home.(d) Extra accommodation (room only) expensesif you are advised by a doctor that you shouldstay longer than you intended.(e) Extra travel and accommodation (room only)expenses where a doctor has advised it isnecessary for one person to stay with you orto travel from the United Kingdom to escortyou home if you are seriously ill or injured.(f) Up to £2,500 for funeral expenses abroad.(g) The additional cost of bringing your bodyor ashes home.(h) Up to £150 for unrecoverable expenses inrespect of excursions you have paid for beforeyour departure but which you have not made.(i) You will be covered for extra travel expenseswhich are reasonable and necessary if youhave to return home early because a closerelative or business associate is seriouslyill or injured or has died during the periodof insurance.2. If you are travelling within the United Kingdom wewill pay you up to £10,000 for any necessary andreasonable expenses caused by your illness, injury ordeath occurring during the period of insurance for:(a) Extra travel and accommodation expensesif you are advised by a doctor that such travelor accommodation is necessary.(b) Extra travel and accommodation expenseswhere a doctor has advised it is necessaryfor one person to stay with you or to travel tobe with you if you are seriously ill or injured.(c) The extra cost of bringing your body orashes home.(d) Extra expenses necessarily incurred to transferyou by ambulance to a hospital or nursinghome nearer your home.(e) Extra expenses necessarily incurred to recoveryour car and your personal belongings to yourhome if you and no other person travellingwith you at the time of your discharge fromhospital are able to drive the car.Section 5 – Hospital BenefitIf you are travelling outside the United Kingdomwe will pay you (£10 Basic cover, £15 Classic coverand £25 Premium cover, for each completed 24hour period) up to the value stated in the table onpage 32 for your chosen cover option if you arekept in hospital during the period of insurance asan in-patient. Any amount you receive under thisSection will be in addition to any amount that youreceive under the Medical Emergency and AssociatedExpenses Section. You may use this benefit to help payfor incidental expenses incurred such as telephonecalls and taxi fares.A medical certificate must be obtained from thetreating doctor showing the period of admissionto hospital.Section 6 – Personal AccidentIf you sustain accidental bodily injury during theperiod of insurance and the injury results in yourdeath or disability (as listed below) within 12 monthsfrom the date of the accident we will pay you (oryour legal personal representative(s) in the eventof death) the following benefits for your chosencover option:14