Your Travel Insurance Policy - Post Office

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Contract of <strong>Insurance</strong>Provided that in the case of 2 above wherepracticable you shall have obtained our approvalprior to incurring the relevant costs by contactingus as set out below.What you are not covered for:1. End Supplier arrangements not booked within theUnited Kingdom, Channel Islands, Isle of Man orIreland prior to departure.2. The Financial Failure of:(a) any End Supplier in Chapter 11 or any threatof insolvency being known at the date of issueof the Certificate or booking the trip.(b) any End Supplier who is bonded or insuredelsewhere (even if the bond is insufficient tomeet the claim).(c) any travel agent, tour organiser, booking agentor consolidator with whom the insured hasbooked travel or accommodation.3. Any loss for which a third party is liable or whichcan be recovered by other legal means.Section 18 – PetcareAvailable under Premium cover onlyWhat you are covered for:We will pay you up to the value stated in the tableon page 32 for your chosen cover option for extrakennel or cattery fees if your final booked returninternational journey back to the United Kingdom byaircraft, sea vessel, coach or train is delayed for morethan 24 hours due to poor weather conditions, astrike, industrial action or mechanical breakdown. Youmust get written confirmation from the appropriatetransport company or authority stating the reasonfor the delay and how long the delay lasted. Youmust keep all receipts for the extra kennel orcattery fees you pay.What you are not covered for:1. Any kennel or cattery fees you pay outside theUnited Kingdom as a result of quarantineregulations.2. Any claims where you have not checked in foryour trip at the final international departurepoint at or before the recommended time.Section 19 – Hijack, Kidnap &Illegal Detention CoverAvailable under Classic and Premium cover onlyWhat you are covered for:If you are hijacked, kidnapped or illegally detainedwe will pay you £50 per day (up to the value statedin the table on page 32 for your chosen cover optionin all) until you are released. If you have chosenPremium cover we will reimburse necessary andreasonable legal, hotel, travel and extra expensesup to £15,000 (excluding ransom money) to secureyour release.What you are not covered for:1. Acts which would be an offence by a courtin the United Kingdom if committed in theUnited Kingdom.2. Acts which would be an offence by a courtin the country in which you are travelling.3. Any business travel.4. You being held for less than 3 days.As well as general conditions on pages 25 to 27,the following condition applies to Section 19.Conditions1. You, your family or business is not engaged in anypolitical or other activity which would increase therisk under this insurance.Part D – Optional add-onsAvailable under Classic and Premium cover onlyWinter Sports CoverAvailable under Classic and Premium cover onlyIf you have bought Annual Multi-Trip insurance toinclude winter sports cover, you are covered upto 21 days in any single policy period for wintersports cover. For Single Trip cover, you must pay theappropriate additional premium to include wintersports cover for each trip where you intend to takepart in winter sports activities.The following winter sports are not covered:ski-racing, ski-jumping, off-piste skiing unlessaccompanied by a qualified guide or instructor, icehockey, bobsleighing, the use of skeletons or luges,freestyle skiing, competitive skiing.The following additional cover is provided:22
Section 20 – Winter Sports EquipmentWe will pay you up to the value stated in the tableon page 31 for your chosen cover option for thereplacement cost (less an amount for wear and tearand depreciation if applicable) of skis, snowboards,bindings, boots and poles owned or hired by you if theyare lost, stolen or damaged. For Premium cover only,if an original purchase receipt or valuation is providedwe will pay the replacement cost (subject to the limitsstated in the table on page 31 applying), otherwise wewill assess the claim after any suitable deduction forwear and tear and depreciation if applicable.Section 21 – Ski HireWe will pay you (£20 per day) up to the value statedin the table on page 31 for your chosen cover optionif your own equipment is temporarily lost in transitfor longer than 12 hours on the outward journeyor is lost, damaged or stolen during the trip.As well as the general conditions and exclusionson pages 25 to 27, the following conditions andexclusions apply to Sections 20 and 21.Winter Sports Equipment and Ski HireExclusions1. We will not pay for:(a) Loss or damage caused by general wear andtear.(b) Any amounts you can get from someone orsomewhere else.2. We will not pay your claim for Winter SportsEquipment if:(a) You fail to exercise reasonable care for thesafety and supervision of your property.(b) You fail to obtain a written police report within24 hours of the discovery in the event of lossor theft.(c) You fail to obtain a carrier’s report or in thecase of an airline a ‘Property Irregularity Report’where your property has been lost or damagedin transit. N.B. If you cannot report the loss,theft or damage to the airline straight away,you must do so in writing within seven days.(d) <strong>Your</strong> personal belongings are delayed,detained, or confiscated by customs orother officials.3. We will not pay the excess value stated in thetable on page 31 for your chosen cover option forany loss, charge or expense incurred in respect ofevery claim made for each of you under Section20 - Winter Sports Equipment unless you havepaid the excess waiver premium.Section 22 – Ski PackWe will pay you up to the value stated in the tableon page 31 for your chosen cover option for theunused part of ski pack costs that you have notused if you fall ill or become injured during the trip(ski pack means ski hire, ski lessons and lift pass).As well as the general conditions and exclusionson pages 25 to 27, the following exclusion appliesto Section 22.Ski Pack Exclusions1. We will not pay for accidental injury, illnessor death caused directly or indirectly by yourparticipation in the following winter sports –ski-racing, ski-jumping, off-piste skiing unlessaccompanied by a qualified guide or instructor,heli-skiing, ice hockey, bobsleighing, the use ofskeletons, toboggans or luges, freestyle skiingor competitive skiing.Section 23 – Piste ClosureWe will pay you up to the value stated in the table onpage 31 for your chosen cover option (£20 per day) forextra costs for transport and ski lift pass if you have totravel to another resort if you are unable to ski due toadverse weather conditions at your pre-booked resort(only available for trips between 15 December and31 March).If it is not possible to travel to another resort or it is notpossible to ski, we will pay up to the value stated in thetable on page 31 for your chosen cover option (£20per day) if you are unable to ski.As well as the general conditions and exclusions onpages 25 to 27, the following conditions and exclusionsapply to Section 23.Piste Closure Exclusions1. We will not pay for:(a) Any expenses you can claim under anyother insurance.(b) Any claim if you take out this insurance within14 days of going on the trip, unless you bookedthe trip at the same time.Condition Applying to Piste Closure Claims1. You must obtain written confirmation from anappropriate authority to confirm that the pistewas closed and/or it was not possible to travelto another resort.23
Page 1: Travel InsuranceBasic, Classic and
Page 4 and 5: Health DeclarationcontinuedChanges
Page 6 and 7: Contract of InsurancePart A - Impor
Page 8: Contract of InsuranceSports and Act
Page 11 and 12: TripAny return journey that starts
Page 13 and 14: part of the costs or the journey wh
Page 17 and 18: (g) Loss or theft of or damage to v
Page 19 and 20: What you are covered for:Following
Page 21: Catastrophe Exclusions1. We will no
Page 25 and 26: Green Fees Exclusions1. You will no
Page 27 and 28: 9. All the sums insured and limits
Page 29 and 30: Section 11 - Travel Legal Guard Cla
Page 31 and 32: Optional policy add-onsOptional Cov
Page 33 and 34: Great tips for a hassle-free tripTh

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