Your Travel Insurance Policy - Post Office

Contract of Insurance(i) Any expenses in connection with lossof passport, arising after you have returnedto the United Kingdom.(j) Loss or theft of money which you have leftin baggage checked in by the carrier or leftin an unattended vehicle.2. We will not pay the excess value stated in thetable on page 32 for your chosen cover option forany loss, charge or expense incurred in respect ofevery claim made for each of you under Section 8 -Personal Money and Documents and Section 9 -Loss of Passport unless you have paid the excesswaiver premium.Section 10 – Personal Liability(If you are using a motorised or mechanical vehicle,while on your journey you must make sure that youhave the necessary insurance. We do not cover thisunder personal liability.)We will pay you up to the value stated in the table onpage 32 for your chosen cover option in respect ofany one occurrence and in total for accidental bodilyinjury to another person or accidental damage tosomeone else’s property occurring during the periodof insurance which you legally have to pay. This coveris only for;• accidental bodily injury to another person whois not your employee, close relative or travellingcompanion• accidental damage to someone else’s propertyother than the property of your employee, closerelative or your travelling companion.We will also pay for your legal expenses and anyclaimant’s costs payable but we must first giveour written consent to this.As well as the general conditions and exclusionson pages 25 to 27, the following exclusionsand conditions apply to Section 10.Personal Liability Exclusions1. We will not pay for:(a) Liability caused directly or indirectly byyou owning, or the use of, animals (exceptdomestic animals), firearms (except licensedsporting guns used for recreational purposesonly), any aircraft, motorised vehicle, boat orany other form of motorised leisure equipment(unless it is a boat designed for and beingused as accommodation and is permanentlymoored).(b) Employer’s liability or liability caused bycarrying out contracts, supplying goodsand services, or you doing your job.Conditions Applying to Personal Liability1. You must send us any written, court claim formor other legal documents as soon as you receivethem. You must also give us any informationand help we need to deal with the case and yourclaim. You must not negotiate, pay, settle, admit ordeny any claim without our written agreement.Section 11 – Travel Legal GuardThe following definitions of words and termsapply to Section 11 only.AppointedadvisorLegal costsand expensesProspectsof successGeographicallimitWe/Us/OurThe solicitor or other advisorappointed by us to act onyour behalf.• Legal costs, fees anddisbursements reasonablyand proportionately incurredby the appointed advisor onthe Standard Basis and agreedin advance by us.• Other side’s costs incurred incivil claims where you havebeen ordered to pay them orpay them with our agreement.We will only provide cover whereyour claim or any appeal you arepursuing is more likely than not tobe successful. If you are seekingdamages or compensation, itmust also be more likely than notthat any Judgment obtained willbe enforced.As shown in your policy schedule.Ageas Insurance Limited orany of its appointed agents.(If you have to make a claim under this Section,please follow the claims procedure on page 28.)18