Your Travel Insurance Policy - Post Office

Contract of InsurancePersonal belongings, temporary loss, wintersports equipment and golf equipmentPlease send full details of the belongings which havebeen lost, stolen or damaged. You should also sendreceipts to prove their values or bills for the cost ofrepairs. For loss or theft claims, you must also senda police report. If your belongings were lost, stolenor damaged while in the care of an airline, you mustsend a ‘Property Irregularity Report’ as well as theflight tickets and luggage receipts the airline gaveyou when you checked in. For temporary loss claims,please send receipts for the replacement items youhave bought and a ‘Property Irregularity Report’.Money and documentsPlease send full details together with a policereport and cash withdrawal slips or similar proofof the money you withdrew.Loss of passportPlease send a police report and any bills orreceipts for travel and accommodation expenses.Personal liabilityYou must send us any writ, summons or otherlegal documents as soon as you receive them.You must also give us any information and helpwe need to deal with the case and your claim.You must not negotiate, pay, settle, admit ordeny any claim without our written permission.Missed departureYou must send receipts or bills for your expenses.For car breakdown or accident claims, send therepairer’s report or police accident report anddetails of how you got to the port or airport.DelayWhen you claim you must ask the airline ortransport company to confirm in writing:(a) the cause of the delay or cancellation;(b) the period of the delay;(c) the scheduled time of departure and arrival;and(d) the actual time of departure and arrival.MuggingPlease send a police report and a certificate fromthe doctor confirming the injuries you receivedand the period you were in hospital receivingin-patient treatment.PetcarePlease provide written confirmation from theappropriate transport company or authoritystating the reason for the delay and how longthe delay lasted. You must keep all receipts forthe extra kennel or cattery fees you pay.Ski hirePlease send receipts for the cost of the snowboardor ski hire and full details of what was lost,damaged or stolen.Ski pack (lessons, hire, lift pass)Give the reason for cutting short the use of yourski pack and a medical certificate confirming thatthis was necessary.Piste closurePlease ask the relevant authority to confirm inwriting that the piste was closed. You must alsosend your receipts for transport to the otherresort and the cost of the lift pass.Avalanche closureYou must get written confirmation from theappropriate authority that getting to or from yourresort was not possible for the period claimed,due to avalanche, landslide or landslip.Green FeesPlease ask the relevant authority to confirm inwriting that the golf course was closed or whereyour claim relates to your illness or injury, pleasesend a medical certificate confirming your illnessor injury.3. ExcessesIf we agree to a claim for medical expenses whichhas been reduced by your using a European HealthInsurance Card (EHIC) form or private healthinsurance, you will not have to pay the excess.4. You must do all that you can to keep your claims aslow as possible and to prevent theft, loss and damage.5. If we pay any expenses which you are not coveredfor, you must pay these back within a month ofthe end of the period of insurance.6. If you, or anyone acting for you, deliberately makea false claim or statement, the insurance will endand we will not pay any claims. We have the rightto inform the police about any false claim.7. We may take action in your name to getcompensation or security for loss, damage orexpenses covered by this insurance. You will notpay anything towards this action, but any amountor security handed over will belong to us.8. If we have to pay any amounts under the law ofanother country and we would not usually haveto pay these amounts under the policy, you mustrepay the amounts to us.26