Your Travel Insurance Policy - Post Office

Contract of Insurance3. Our consentWe must give you our written consent before any legalcosts and expenses are incurred. We will not acceptany liability for legal costs & expenses incurred withoutour written consent.4. Settlement(a) You must not negotiate, settle the claim or agree topay any legal costs and expenses without our writtenagreement(b) If you refuse to settle the claim following advice todo so from the appointed advisor we may refuse topay further legal costs and expenses5. Counsel’s opinionWe may require you to obtain and pay for an opinionfrom counsel regarding the merits or value of theclaim. If the opinion supports you then we will payfor the opinion.6. ArbitrationIf there is a dispute between you and us about thehandling of a claim or the choice of an appointedadvisor, the matter must be referred through ourformal complaints procedure which is explainedon page 28. If the matter remains unresolved youcan ask the Financial Ombudsman Service to reviewour decision.7. Dual InsuranceIf any claim covered under this Section is also coveredby another policy or another Section of this policy, orwould have been covered if this Section did not exist,we will only pay our fair share (rateable proportion)of the claim.Section 12 – Legal ConsultationAvailable under Classic and Premium cover onlyIn the event that criminal proceedings are broughtagainst you in a court outside the United Kingdom asa result of any accidental action by you to a third partywhich happens during the period of insurance, we willpay up to the value stated on page 32 for your chosencover option for a local lawyer to visit you.Under this Section you will need to make yourown arrangements to obtain legal assistance andmake a claim.As well as the general conditions and exclusionson pages 25 to 27, the following exclusions applyto Section 12.Legal Consultation ExclusionsWe shall not be liable for:• Any fees, costs or other expenses incurred beforewe have agreed to accept them.• Any action against you or by you other than inyour private capacity.• Payment of fines.• Any legal costs until all other insurances providinglegal costs are exhausted.• Any event occurring within the United Kingdomor your home country.• Any accident or injury while you are participatingin any hazardous activity.• Any legal consultation costs for any action againstyou in respect of any invoices or other debtsyou have not paid or any other civil proceedingsbrought against you.Section 13 – MuggingAvailable under Classic and Premium cover onlyWe will pay you the value stated in the table on page32 for your chosen cover option in total if, becauseof a mugging involving a violent and threateningattack, you receive a bodily injury and need medicaltreatment. This cover is in addition to the coverprovided by Section 4.As well as the general conditions and exclusionson pages 25 to 27, the following exclusion appliesto Section 13.Mugging Exclusions1. We will not pay you for:(a) A mugging claim unless you have madea report to the police within 24 hours ofthe incident.Section 14 – Catastrophe CoverAvailable under Classic and Premium cover onlyWe will pay you up to the value stated in the tableon page 32 for your chosen cover option for extraaccommodation and transport costs you need to payto move to other accommodation of a similar standardto that you originally booked, if, as a result of fire, flood,earthquake, avalanche or storm during your journey,you cannot use your accommodation.As well as the general conditions and exclusionson pages 25 to 27, the following exclusions applyto Section 14.20