Policy Wording - AllClear Travel Insurance

Relax!We’ve got it coveredYour AllClear TravelInsurance PolicyACOP4

Important Contact InformationEmergency & general contact numbersBefore you leaveIf you need to amend your policy,add a new medical condition ortalk about your policy:Telephone the AllClear Call Centre0845 250 5201When you are awayIf you need medical emergency assistancewhile abroad:Telephone MAPFRE AssistanceUK0207 748 0521Outside UK+44 207 748 0521(24 Hour Helpline Important – please quote reference AllClear)When you get backIf you need to make a claim:Telephone AllClear Travel Insurance Claims01420 383014Welcome…Thank you for choosing AllClear Travel Insurance.We believe everyone deserves the right to traveland for that reason we have developed this travelinsurance policy for your peace of mind.To assist you finding your way around thisdocument we have identified key informationfor you by the use of colour coding and icons.Sections denoting YOU ARE COVERED arehighlighted in green and sections denotingYOU ARE NOT COVERED are highlighted in red.Throughout the policy wording your attention isdrawn to Important Information by the followingicon:(See page 4 for full details)00 All Clear Travel Insurance – Exclusions and Conditions AllClear Travel Insurance – Welcome 1

ContentsIntroductionIntroduction 3Important Things to Remember 4Before you go – If you need to cancel your trip 4While you are away – If you need medical emergency assistance 4On your return – How to make a claim 4Your Policy 5Summary of Cover 6General Policy Information 7Conditions 10Geographical Limits 11Definitions 12Reciprocal Health Agreements/EHIC 14Your Cover 15Section 1 Cancellation 16Section 2 Curtailment 17Section 3 Missed Departure 18Section 4 Travel delay 18Section 5 Personal Accident 19Section 6 Medical Emergency Expenses 19Section 7 Personal Property 21Section 8 Personal Public Liability 22Section 9 Home Help or Nanny 23Section 10 Ski Equipment 23Section 11 Ski Pack 24Section 12 Piste Closure 24Section 13 Legal Costs and Expenses 25Section 14 Loss and Hire of Golf Equipment 26Section 15 Loss of Green Fee 26Section 16 Hole in One 27Section 17 End Supplier Failure 27General Exclusions 28Complaints Procedure 31Amateur Sporting and Hazardous Activities 32This insurance policy contains full details of the coverprovided plus the conditions and exclusions which applyto it. You must read the insurance policy carefully.It is only available to persons resident in the United Kingdomand Republic of Ireland and is only valid for trips commencingin and returning to your Home Country.There are conditions and exclusions which apply toindividual sections and general conditions and exclusionsand warranties which apply to the whole policy.Under some sections there is an amount deducted (an excess)per incident, which applies to each insured person involvedin an incident, as do the sums insured under each section.Your policy is governed by the law applicable to whereyou reside within the United Kingdom or Republic ofIreland if this is your usual country of residence. Pleaserefer to page 12.The policy applies to all persons named on the PolicySchedule who are eligible to be insured and for whomthe premium has been paid. You must have resided inthe UK or Republic of Ireland for no less than 6 months,have a permanent UK or Republic of Ireland addressand be registered with a UK or Republic of IrelandGeneral Practitioner.This insurance is underwritten by MAPFRE AsistenciaCompañia International de Seguros y Reaseguros,Sociedad Anonima, 5th Floor, Alpha House, 24a LimeStreet, London, EC3M 7HS. Company Number: FC021974.Branch Number BR008042. Trading under the nameMAPFRE Assistance.We (MAPFRE Asistencia) are authorised by the DirecciónGeneral de Seguros y Fondos de Pensiones and aresubject to limited regulation by the Financial ConductAuthority and the Prudential Regulation Authority.Details about the extent of regulation by the FinancialConduct Authority and the Prudential RegulationAuthority are available on request.MAPFRE Asistencia Compañia International de Seguros yReaseguros, S.A. branch in the United Kingdom (tradingas MAPFRE Assistance) has registered offices at 5thFloor, Alpha House, 24a Lime Street, London, EC3M 7HS.MAPFRE Asistencia main office is based in Spain whichforms part of the EEA (European Economic Area) as amember state. The Kingdom of Spain is responsible forcontrolling the insurance activity of MAPFRE AsistenciaS.A., through the Spanish Ministry of Economy and theTreasury, and specifically the General Directotate forInsurance Matters and Pensions Fund (Dirección Generalde Seguros y Fondos de Pensiones). Its branch in theUnited Kingdom is also under the United KingdomFCA (Financial Conduct Authority) and PRA (PrudentialRegulation Authority) supervision in certain situationsaccording to the European Union Regulation.AllClear Ltd act as agents of the insurer in collectingpremiums; such monies are deemed to be held by theinsurers with which your insurance is arranged.2 AllClear Travel Insurance – ContentsAllClear Travel Insurance – Introduction 3

Important thingsto rememberBefore you goIf you need to cancel your trip contact the AllClear TravelInsurance Claims helpline on 01420 383014While you are away1) If you need medical emergency assistanceMAPFRE Assistance provides immediate help in theevent of an Insured Person’s illness or injury arisingoutside your Home Country – they provide a 24 hourmultilingual emergency service 365 days a year and canbe contacted by telephone.UK 0207 748 0521Outside UK +44 0207 748 0521Fax +353 91 501619 orEmail: irlcosiam@mapfre.comWhen an Insured Person calls upon the services ofMAPFRE Assistance it is a condition of service thatMAPFRE Assistance shall solely be responsible for alldecisions on the most suitable and reasonable solutionto any medical problem. The service includes, wherenecessary:i) Multilingual assistance with hospitals and doctorsii) Repatriation arrangements by escort by a medicalattendantiii) Travel arrangements for other members of yourparty or immediate relativeiv) On arrival in your Home Country, an ambulanceservice to hospital or home.Please note that failure to contact theassistance company may result in a claimbeing invalid.2) If you are treated as an outpatientIf you receive medical treatment abroad as anoutpatient, you should pay the hospital or clinic andclaim back your medical expenses from AllClear TravelInsurance Claims when you return home, unless youroutpatient treatment is likely to cost more than £500,in which case you must contact MAPFRE Assistanceimmediately (please refer to the 24 hour medicalemergency section above for contact details).3) In the event of loss, burglary or theft of personalbaggage, valuables or money, you must report this infull to the police within 48 hours, and obtain a writtenpolice report failure to do so will invalidate your claim.See Section 7 Personal Property on page 21 for fulldetails of cover.On your returnHow to make a claim1) AllClear Travel Insurance Claims are handled byReactive Claims Ltd.If you need to make a claim please obtain a claimform by telephoning or writing to the claims servicebelow within 28 days of your return, quotingAllClear Travel Insurance and which section of thepolicy you are claiming under.Alternatively you can register your claim online,download claim forms and access a comprehensivelist of FAQ’s to help you with the claims process:Reactive Claims LtdAttwood House,Mansfield Business ParkFour MarksHampshireGU34 5PZ01420 383014Email : info@reactiveclaims.comwww.reactiveclaims.com2) Then return your completed claim form to the claimsservice together with your original policy and PolicySchedule, confirmation of booking, all original receiptsand police reports (which must be obtained within48 hours of discovery in the event of loss, burglary ortheft of money, valuables or any items of personalbaggage) and any other evidence requested on theclaim form.A twilight view of Port Velland the Mediterraneancity of Barcelona, capitalof Catalonia, Spain. A richand fascinating combinationof contemporary cultureand historical landmarksmakes the city a populardestination for many.YourPolicy4 AllClear Travel Insurance – Important things to rememberAllClear Travel Insurance – Your Policy 5

Summary of cover(per person)General Policy InformationPageGold CoverGold Plus CoverCover Excess Cover Excess1 Cancellation 16 £2,000 £250(£15 for lossof deposit)£5,000 £150(£15 for lossof deposit)2 Curtailment 17 £2,000 £250 £5,000 £1503 Missed departure 18 £750 Nil £750 Nil4 Travel delayAbandonment5 Personal accidentDeathPermanent total disablementIf you are aged under 16 or over 75at the time of the accident the deathbenefit will be limited to funeral andother expenses up to £1,500 and thepermanent total disablement benefitwill not apply.6 Medical emergency expensesrepatriation and associatedexpensesMedical inconvenience benefitLoss of medication7 Personal propertySingle article limitValuables limitPrescription spectaclesReplacement keysMobility aidsDelayed baggagePersonal moneyUnder 16 limit18 £20 for the first 12 hours £10for each 12 hours after upto £10019Up to £2,000£15,000£25,00019 £10,000,000£25 per day up to £1,000£30021 Up to £2,000£200 (Except mobility aids)£250£300£50£500£100Up to £400(Cash limited to £250)Up to £100(Cash limited to £50)Nil£250NilNil£250Nil£75£75£75£75£75Nil£75Nil£75£50£25£20 for the first 12 hours £10for each 12 hours after upto £100Up to £5,000£15,000£25,000£15,000,000£25 per day up to £1,000£300Up to £2,500£200 (Except mobility aids)£250£300£50£2,500£100Up to £400(Cash limited to £250)Up to £100(Cash limited to £50)8 Personal public liability 22 £2,000,000 Nil £2,000,000 Nil9 Home help or nanny 23 £300 Nil £300 Nil10 Ski equipmentSingle article limitSki hireDelayed ski equipment23 £500£200£10 Per day up to £150£150£75£75NilNil£500£200£10 Per day up to £150£15011 Ski pack 24 £400 £75 £400 £7512 Piste closure 24 £35 Per day up to £350 Nil £35 Per day up to £350 Nil13 Legal costs and expenses 25 £25,000 (Maximum £50,000all insured persons14 Golf equipmentLossHireSingle article26£750£75 Per day up to £375£250Nil £25,000 (Maximum £50,000all insured persons)£75£75£75£750£75 Per day up to £375£25015 Loss of green fees 26 £75 per day up to £375 Nil £75 per day up to £375 Nil16 Hole-in-one! 27 £100 Nil £100 Nil17 End supplier failure 27 £5,000 Nil £5,000 NilWinter Sports Premium must be paid.Golf Cover Premium must be paid.6 AllClear Travel Insurance – Your PolicyNil£150NilNil£150Nil£75£75£75£75£75Nil£75Nil£75£50£25£75£75NilNilNil£75£75£75Please check your policy schedule to confirm the levelof cover you have.24 Hour medical emergency service included.Period of InsuranceThe policy wording, including any endorsement issuedby us, constitutes a contract between you and us andis made up of the schedule and this policy document,which together forms the contract of insurance, and isbased upon the information that you provided duringyour application.This policy is not valid for trips taken within yourHome Country unless pre-booked for a period ofthree nights or more.For Single Trip InsuranceThis policy is not valid for trips exceeding 12 months.Winter sports trips are covered if the requiredadditional premium has been paid.For Annual InsuranceFor travellers up to the age of 70 years, themaximum trip duration of any one trip is 45 days.For those aged 70 years and over, the maximum tripduration of any one trip is 31 days.If you have chosen an Annual Multi-trip Insurance,the Outward and Return Journey must take placeduring the start and end date shown on the Scheduleof Cover. Winter sports are limited to 17 days perpolicy year, where the appropriate additionalpremium has been paid.The cover under Section 1 – CancellationCancellation cover applies as soon as the premiumhas been paid or from commencement date and thepolicy wording is issued. We cannot therefore, refundyour premium after this date, except within the first14 days of the policy wording being received or beforeyou travel (whichever is sooner). For Annual Multitripinsurance, the cover under Section 1 starts at thetime you book the trip or the start date shown on theSchedule of Cover, whichever is later.The cover under remaining SectionsCover under all other sections apply for the duration ofthe booked trip including the period of travel from homedirectly to the departure point and back home directlyafterwards not exceeding 24 hours in each case. If youcome home earlier than planned then cover ends onreturn to your home country. If the return is unavoidablydelayed for an insured reason, cover will be extendedfree of charge for the period of that delay.Cancelling this PolicyInsurer's right to cancelWe may cancel any cover under this policy by giving you14 days notice by recorded delivery letter to you at yourlast known address. In this event, we will refund in full ifit is a Single Trip policy. For Annual Multi-trip policies wewill calculate the premium for the period up to the datewhen the cancellation takes effect and we will refundthe premium paid for the remaining period of insurance.However, if we cancel the policy due to dishonesty orfraudulence, no refund of premium will apply.Your right to cancel ‘Cooling Off Period ‘If, having examined your policy wording, you decidethe insurance does not meet your needs, you cancancel the insurance within 14 days from the dateyou receive the policy wording, and we will refundthe premium provided you have not taken a trip towhich the insurance applies, and you have not madea claim.To request cancellation of your policy, please contactAllClear by writing to:AllClear Insurance Services,Customer Services DepartmentAllClear House1 Redwing CourtAshton RoadRomfordEssex, RM3 8QQEmail: info@allclearinsurance.comMedical Health RequirementsHave you or anyone in your party:1) Taken any prescribed medication or required medicaltreatment within the last two years?2) Been a registered in or out-patient in the last two years?3) Been placed on a waiting list currently forinvestigations or treatment?4) Been diagnosed by a doctor or consultant as sufferingfrom a terminal illness?To avoid confusion, we want to highlight what wewill, and will not, cover with regard to claims forill-health.Pre-existing medical conditionsWe will cover you for claims associated with thosepre-existing medical conditions or disabilities youdisclosed to us and we accepted in writing.We will not cover you for claims associated with preexistingmedical conditions that you did not discloseto us and we did not accept in writing. You musttell us about ALL medical conditions for which youanswer yes under 1 – 4 above.We cannot provide cover for some conditions andnot for others you choose not to include in yourdeclaration to us.AllClear Travel Insurance – Your Policy 7

Checking Your Documents Are In OrderYou must check your Policy documents. The preexistingmedical conditions which you are coveredfor are set out in the enclosed schedule headed'Statement of Fact'. If they are not correct, pleasecontact the AllClear call-centre on 0845 250 5201.All Medical ConditionsWe will not cover you for any medical condition ordisability (pre-existing or otherwise) if:1) your state of health is significantly worse than youtold us;2) you know you have a terminal condition, but havenot told us;3) you know you will need medical treatment duringyour journey;4) one of the purposes of your journey is to obtainmedical treatment;5) you are travelling against the advice of a MedicalPractitioner;6) you are not fit to travel on your journey.We have the right from the date of issue up to the dateof travel to request a letter from your Medical Practitionerdetailing your pre-existing medical condition(s), andconfirming that your condition(s) have not changed orgot worse, along with agreeing that you are fit to travel.Waiting ListsIf you are on a waiting list for medical treatment orinvestigation which may mean you have to cancel orcurtail your journey, we will not cover these cancellationor curtailment costs unless you have paid the requiredadditional premium for waiting list cover. Refer toyour policy schedule for cover details. If you think youhave paid for this cover, please check your encloseddocuments to confirm this. This cover only applies toSingle Trip policies.Change In State Of HealthYou must tell us if your state of health changes at theearliest opportunity and consult with your MedicalPractitioner but in any case before you book orcommence your journey, or pay the balance or anyfurther instalments for your journey, i.e. if you developa new medical condition or an existing one deteriorates.Please call the AllClear call-centre 0845 250 5201. Wehave the right to amend, restrict or cancel your coverunder this policy.Non-Travelling RelativesYou may have a close relative with a medicalcondition who is not travelling with you. In somecases, if their state of health deteriorates greatly,you may want to cancel or curtail your journey.Subject to all the other terms and conditions, suchclaims are covered if the relative’s doctor is preparedto state that at the date you booked your trip, he/shewould have seen no substantial likelihood of his/herpatient’s condition deteriorating to such a degreethat this would become necessary. If the doctorwill not confirm this, your claim is not covered. Inthe event of a claim the doctor must complete themedical certificate on the claim form.Travelling Companion Cancellation CoverTravelling companion cover offers cover fortravelling companions insured under another travelinsurance provider, for cancellation and curtailmentdue to your pre-existing medical condition thatwe have agreed to cover in writing, providing theadditional premium has been paid. This will beshown on your policy schedule.Travelling When PregnantCover under this policy is provided for unforeseenevents. In particular, cover is provided under Sections 2and 6 for unforeseen bodily injury or illness. Childbirthis not considered to be either unforeseen, or an illnessor injury. Therefore there is no cover if at the start ofyour trip, during your trip or on your return date, youare more than 36 weeks and 6 days pregnant for a singlepregnancy, or more than 32 weeks and 6 days for amultiple pregnancy;Cover is only provided under sections 2 and 6 for claimsarising from complications of pregnancy and childbirthwhich are defined as:Toxaemia – toxins in the bloodGestational diabetes – diabetes arising as a resultof pregnancyGestational hypertension – high blood pressure arisingas a result of pregnancyPre-eclampsia – where you develop high blood pressure,carry abnormal fluid and have protein in your urineduring the second half of pregnancyEctopic pregnancy – a pregnancy that develops outsideof the uterusMolar pregnancy or Hydatidiform mole – a pregnancy inwhich a tumour develops from the placental tissuePost-partum haemorrhage – excessive bleedingfollowing childbirthRetained placenta membrane – part or all of theplacenta is left behind in the uterus after deliveryPlacental abruption – part or all of the placenta separatesfrom the wall of the uterusHyperemesis gravidarum – excessive vomiting as a resultof pregnancyPlacenta praevia – when the placenta is in the lower partof the uterus and covers part or all of the cervixStillbirthMiscarriageEmergency Caesarean sectionA termination needed for medical reasonsPremature birth more than 8 weeks (or 16 weeks if youknow you are having more than one baby) before theexpected delivery date.Please make sure that your doctor and midwifeare aware of your travel plans and that you are nottravelling against medical advice. Airlines and ferry/shipping companies including cruise liners have theirown restrictions due to health and safety requirements.You should check with them or any other mode oftransport you propose to take before you book. Youare not covered for claims arising from pregnancy,where, at the point of checking in for or boarding yourmode of transport, you fail to comply with the carrier’sconveyance of pregnant women policy.8 AllClear Travel Insurance – Your Policy AllClear Travel Insurance – Your Policy 9

ConditionsGeographical LimitsAge CoverWinter sports cover is only available to persons aged 65years and under (at date of issue).Age Restrictions for Annual Multi Trip InsuranceFor travellers up to the age of 70 years, themaximum trip duration of any one trip is 45 days.For those aged 70 years and over, the maximum tripduration of any one trip is 31 days.Children Travelling IndependentlyChildren under 18 years who travel on their own mustbe dropped off and picked up at the departure point bya responsible adult aged over 21.Conditions1) Cover is only available for the whole duration of thebooked trip. Cover cannot be effected once a journeyhas commenced.2) If your money, valuables or any items of personalbaggage, are lost or stolen, you must notify the localpolice within 48 hours of discovery. Please makesure you get a copy of the police report. Failure tocomply will result in your claim being turned down.3) No payment will be made under Sections 1, 2, 5, 6, 9,11 and 15 without appropriate medical certification.4) If we require any medical certificates, information,evidence and receipts, these must be obtained by you atyour expense.5) In the event of a claim, if we require a medicalexamination you must agree to this and in the event ofdeath we are entitled to a post-mortem examinationboth at our expense.6) You must take all reasonable steps to recover any lostor stolen article.7) If any claim is found to be fraudulent in any way thispolicy will not apply and all claims will be forfeited.8) You must not make any payment, admit liability,offer or promise to make any payment without writtenconsent from us.9) We are entitled to take over any rights in the defenceor settlement of any claim and to take proceedings inyour name for our benefit against any other party.10) We may at any time pay to you our full liabilityunder the policy after which no further payments willbe made in any respect.11) The terms of this insurance is based upon theinformation provided by you to us. The policy containsconditions relating to health of the people travelling.You must take reasonable care to answer all questionsput to you, about the health of the people travelling,honestly, accurately and to the best of your knowledge.If you do not understand the meaning of a questionput to you or if you do not know the answer it is vitalthat you tell us. Once cover has been arranged youmust immediately notify us of any changes to theinformation that has previously been provided. Failureto provide full and accurate information before youtake out the insurance or when circumstances changecould invalidate the cover and may mean any claim willbe rejected. If you are declaring on behalf of anotherperson you must ensure you are fully aware of theirmedical history.12) If at the time of making a claim there is any otherpolicy covering the same risk we are entitled to contactthat insurer for a contribution.13) A person or company who is not a party to this policyhas no right under the Contracts (Rights of Third Parties)Act 1999 to enforce any term of this policy but this doesnot affect any right or remedy of a third party whichexists or is available apart from that Act.14) You are required to take all reasonable care toprotect yourself and your property and to act as thoughyou are not insured.Geographical Limits – Single TripRegion 1 – Covers trips to, from, and within theUnited Kingdom.Region 2 – Covers trips by United Kingdom residents toand from Europe, west of the Ural Mountains includingthe Republic of Ireland and all countries, borderingthe Mediterranean Sea, as well as Madeira and TheAzores and trips to the Channel Islands by other UnitedKingdom residents. This region excludes countriesmentioned in Region 3.Region 3 – Covers Regions 1, 2 and Spain (including theBalearic Islands), The Canaries, Turkey, Cyprus and Malta.Region 4 – Covers anywhere in the world except USA,Canada, Caribbean, Hong Kong, Singapore, Mexico andChina.Region 5 – Covers anywhere in the world including USA,Canada and Caribbean.Region 6 – Covers anywhere in the world except USA,Canada and Caribbean.Region 7 – Covers Australia and New Zealand only.Annual Multi-TripRegion 8 – Covers trips by United Kingdom residents toand from Europe, west of the Ural Mountains includingthe Republic of Ireland and all countries bordering theMediterranean Sea, as well as Madeira and The Azores andtrips to the Channel islands by other United Kingdomresidents. This region excludes countries mentioned inRegion 9.Region 9 – Covers anywhere in the world except USA,Canada and The Caribbean.Region 10 – Covers anywhere in the world includingUSA, Canada and The Caribbean.If your outward or return flight to your bookeddestination requires you to break your journey bystopping over in an area which is not covered bythe region on the schedule of cover, your policyautomatically covers you to spend 48 hours in thearea of the stopover each time you have to stop overon both your outward and return journeys.10 AllClear Travel Insurance – Your Policy AllClear Travel Insurance – Your Policy 11

DefinitionsDefinitionsWherever the following words and phrases appear in thispolicy they will always have these meanings:Close Relative – see Immediate Relative.Close Business Associate – Any person whose absencefrom business for one or more complete days at thesame time as your absence prevents the effectivecontinuation of that business.Complications of pregnancy and childbirth –see Travelling When Pregnant on page 9.Curtail/Curtailment – Return early to home in theUnited Kingdom or Republic of Ireland.Excesses – An excess means that you are responsiblefor the first sum per person per incident when youclaim. The amount of any excess is detailed in the PolicyWording on the Summary of Cover page, and under theSections to which an excess applies. Claims under mostsections of the policy will be subject to an excess, whichapplies to each insured person involved in an incident, asdo the sums insured under each section.Fitness to travel – is defined as taking into accountdestination, duration and mode of travel, the insured arenot likely to need medical intervention during their trip.Golf Equipment – golf clubs, golf balls, golf bag, golftrolley and golf shoes.Home – Your residential address in the United Kingdomor Republic of Ireland.Home Country – is the United Kingdom or the Republicof Ireland if this is your usual country of residence.Immediate Relative – Mother, father, sister, brother,wife, husband, partner (same or different sex), son,daughter (including fostered/adopted son or daughter),grandparent, grandchild, parent-in-law, son-in-law,daughter-in-law, sister-in-law, brother-in-law, stepparent,step-child, step-brother, step-sister, or legalguardian.Medical Practitioner – A registered practising memberof the medical profession who is not related to you orto any person you are travelling with, or intending tostay with.Money – Cash, postal and money orders, travel tickets,lift passes (in respect of winter sports trips wherethe appropriate premium has been paid), passports,petrol coupons and green cards held by you for social,domestic and pleasure purposes.Mobility Aids – Wheelchair, motorised wheelchair,prosthetic limb, walking frame, walking stick or crutches.Personal Accident – Accidental bodily injury causedsolely and directly by outward violent and visible means.Personal Baggage – Your suitcases (or similar luggagecarriers) and their contents usually taken on a trip,together with articles worn or carried by you for yourindividual use during your trip.Permanent Total Disablement – Disablement as aresult of which you are unable to carry on or performany business or occupation, and which, having lastedfor a period of 12 months is, at the end of that periodbeyond hope of improvement.Pre-existing medical condition – any disease, illness orinjury which:• you have received medication, advice or treatment; or• you have experienced symptoms whether thecondition has been diagnosed or not.Preventative Medication – Any medication prescribedor otherwise which is taken purely to prevent an illness ormedical condition occurring. Examples may include, betablockers to prevent Migraine Headaches, Blood thinningdrugs to prevent blood clots on long haul flights (whereno previously diagnosed related medical condition hasexisted). Statin drugs where high cholesterol has NOTbeen previously diagnosed, Birth Pill, HRT, etc.Public Transport – Any fare paying passenger on thefollowing regular scheduled forms of transport: Train,Coach, Taxi, Bus, Aircraft and Sea Vessel.Redundancy – Any person declared redundant, whois under 65 years and under the normal retiring age forsomeone holding that person’s position, and who hasbeen employed for two continuous years with the sameemployer at the time of being made redundant.Ski Equipment – Skis (including bindings), ski boots, skipoles and snowboards.Ski Pack – Pre-booked lift passes, hired skis and bootsand ski school fees.Unattended – where you are not in full view of orin a position to prevent unauthorised taking of yourproperty unless it is in a locked room, safe, in a lockedboot of a locked vehicle or in the luggage space at theback of a locked estate car or locked hatchback under atop cover and out of view.United Kingdom – England, Scotland, Wales, NorthernIreland, the Scilly Isles, the Isle of Man and ChannelIslands.United Kingdom resident – You must have resided inthe UK or Republic of Ireland for no less than 6 months,have a permanent UK or Republic of Ireland addressand be registered with a UK or Republic of IrelandGeneral Practitioner.Valuables – Watches, furs, leather goods, animal skins,silks, jewellery, items made of or containing preciousstones, semi precious stones, gold, silver or platinum,photographic, audio, video and electrical equipment ofany kind, camcorders and accessories, all photographic/digital/optical/audio and video media, iPods, MP3players and / or accessories, telescopes, and binoculars.We/Us/Our – MAPFRE Asistencia CompañíaInternacional de Seguros y Reaseguros, SociedadAnonima. 5th Floor, Alpha House, 24a Lime Street,London EC3M 7HS. Company Number: FC021974. BranchNumber BR008042. Trading under the name MAPFREAssistance.You/Your – Each Insured Person.12 AllClear Travel Insurance – Your Policy AllClear Travel Insurance – Your Policy 13

Reciprocal HealthAgreements/EHICYour Coverwhat you are covered forwhat you are not covered forReciprocal Health Agreements/ European HealthInsurance Card (EHIC)If you are a UK resident you are entitled to medicaltreatment, which becomes necessary whentemporarily visiting countries in the European Union(EU), Iceland, Liechtenstein, Norway or Switzerlandfree of charge or at a reduced cost by using the EHIC.You can apply for an EHIC for your spouse/partner andany children up to the age of 16 (19 if they are in full timeeducation) at the same time as applying for your own.Application forms are available via www.ehic.org.ukYou will need to have the following information foreveryone you are applying for:• Name and date of birth• NHS or National Insurance (NI) numberIf you use the EHIC the exclusion of the excess as shownin the Summary of Cover for each and every claim underSection 6 – Medical Emergency Expenses will not apply.Also, if you are travelling to Australasia there arereciprocal medical treatment arrangements for UnitedKingdom nationals. In-patient and out-patient publichospital treatment is given free of charge or at a minimalcost. Should you be admitted to hospital then immediatecontact must be made with MAPFRE Assistance andtheir authority obtained in respect of any treatment notavailable under the reciprocal arrangements before suchtreatment is provided.Jinshanling Great Wall ispart of the Great Wall ofChina, one of the SevenWonders of the World! It'swidely considered the mostimpressive section of theentire wall, which stretchesfor over 5,000 miles.14 AllClear Travel Insurance – Your Policy AllClear Travel Insurance – Your Cover 15

Section 1CancellationSection 2CurtailmentYou are coveredUp to the amount shown in the summary of cover onpage 6 if your travel and accommodation arrangements,excursions, tours and activities are cancelled before yourdeparture from your Home Country if this is your usualcountry of residence (including ski hire, ski school andlift passes for winter sports trips where the appropriatepremium has been paid), which have not been usedand which you have paid for or contracted to pay for,providing the cancellation is necessary and unavoidable(and is not a result of mere disinclination to commenceyour trip as arranged) due to:1) the death or disablement by bodily injury, illness,pregnancy or being subject to quarantine of a) you, b)any person you are intending to travel or stay with, c)an immediate relative or yours or of any person you areintending to travel with or d) a close business associateof yours;2) you being called for jury service or as a witness (butnot as an expert witness or where your employmentwould normally require you to attend court) in a Courtof Law;3) your redundancy or the redundancy of any personyou are intending to travel with, provided that we areinformed in writing immediately notification of redundancyis received and that you were not aware of any impendingredundancy at the time this policy was issued;4) your home being made uninhabitable or place ofbusiness being made unusable, up to 14 days beforethe commencement of your trip, due to fire, lightning,explosion, earthquake, subsidence, storm, flood, fallingtrees, riot or civil commotion, malicious damage, burstpipes, impact by aircraft, the police requesting yourpresence following burglary or attempted burglary atyour home or place of business;5) your passport, or the passport of any person you areintending to travel with being stolen during the sevendays before your departure date;6) your carer (who is insured on this policy) having tocancel their journey with you due to one of the reasonsstated above. If you wish to continue your journey,we will pay up to £1,000 in total for the costs of extraaccommodation and transport to replace youroriginal carer;7) you, an immediate relative of yours or any personyou are travelling with, who is a member of theArmed Forces, emergency services or administrativegovernment employees being ordered to return to duty.You are not covered for1) the excess as shown in the summary of cover onpage 6. The excess will apply for each trip that youhave booked, for each and every incident and for eachinsured person;2) claims where a medical certificate has not beenobtained from a medical practitioner, confirmingthat cancellation of the trip is medically necessary;3) claims arising from pregnancy, where, at the point ofchecking in for or boarding your flight, you fail to complywith the airline’s conveyance of pregnant women policy;4) anything caused directly or indirectly by:a) any increased charges which may arise due to failureto notify your travel agent or tour operator immediatelyit is found necessary to cancel;b) prohibitive regulations by the Government of anycountry;5) claims where a theft of passport has not beenreported to the necessary authorities, including but notlimited to, the Police and UK Passport Service (UKPS);6) claims for air passenger duty (which can be reclaimedby you through your travel agent or airline);7) you undertaking a trip if at the start of your trip,during your trip or on your return date, you aremore than 36 weeks and 6 days pregnant for a singlepregnancy, or more than 32 weeks and 6 days for amultiple pregnancy;8) anything mentioned in the General Exclusions.This section includes the services of MAPFRE Assistance(details shown on page 4) who must be contactedimmediately in the event of a serious injury, illness orhospitalisation, where repatriation has to be consideredYou Are CoveredUp to the amount shown in the summary of cover onpage 6 for:1) The value of the portion of your travel and/oraccommodation arrangements which have not beenused and which were paid for before your departurefrom your Home Country (including ski hire, ski schooland lift passes, which do not have to be paid for beforeyour departure from your Home Country, in respect ofwinter sports trips where the appropriate premium hasbeen paid), if you, and where appropriate a companioncovered by this policy, have to curtail your trip andreturn to your home earlier than planned due to:a) the death, severe injury or serious illness of:i) you or any person you are travelling with;ii) an immediate relative of yours resident in yourHome Country;iii) a close business associate of yours resident in yourHome Country.b) your home being made uninhabitable or place ofbusiness being made unusable due to fire, lightning,explosion, earthquake, subsidence, storm, flood, fallingtrees, riot or civil commotion, malicious damage, burstpipes, impact by aircraft, the police requesting yourpresence following burglary or attempted burglary atyour home or place of business;c) you being unable to continue your trip, as detailedin your travel itinerary, due to loss or theft of yourpassport, or that of any person you are travelling with;These proportionate value of costs will be calculatedfrom the date of return to your Home Country.2) Reasonable additional travelling expenses incurred byyou for returning to your Home Country (Economy Class)earlier than planned for a reason stated in benefit 1 ofthis section;3) Your carer (who is insured on this policy) having tocurtail their journey with you due to one of the reasonsstated above. If you wish to continue your journey,we will pay up to £1,000 in total for the costs of extraaccommodation and transport to replace your originalcarer;4) You, an immediate relative of yours or any personyou are travelling with, who is a member of theArmed Forces, emergency services or administrativegovernment employees being ordered to return to duty.You are not covered for1) the excess as shown in the summary of cover onpage 6. The excess will apply for each trip that you havebooked, for each and every incident and for each insuredperson;2) claims that are not confirmed as medicallynecessary by the MAPFRE Assistance and where amedical certificate has not been obtained from theattending Medical Practitioner abroad confirming itnecessary to curtail the trip;3) additional travelling expenses incurred which arenot authorised either by us or MAPFRE Assistance , asdetailed on page 5;4) claims where a theft of passport has not beenreported to the necessary authorities, and a writtenreport obtained;5) you undertaking a trip if at the start of your trip,during your trip or on your return date, you aremore than 36 weeks and 6 days pregnant for a singlepregnancy, or more than 32 weeks and 6 days for amultiple pregnancy;6) anything mentioned in the General Exclusions.MAPFRE Assistance only assists early return homefor medical reasons, not for the other reasons listedunder this section of the policy.Curtailment is only applicable if you return to yourHome Country earlier than planned.16 AllClear Travel Insurance – Your Cover AllClear Travel Insurance – Your Cover 17

Section 3Missed departureSection 5Personal accidentYou are coveredUp to the amount shown in the summary of cover onpage 6 for necessary hotel and travelling expensesincurred in reaching your booked destination, if thecar you are travelling in breaks down or is involved inan accident or you being delayed as a result of a majoraccident on a motorway or the public transport beingused is delayed, resulting in you arriving too late tocommence your booked journey from or to yourHome Country.Section 4Travel delayYou are covered1) for a benefit of £20 for the first full 12 hours you aredelayed and £10 for each full 12 hours you are delayedafter that, up to a maximum of £100 (regardless of thenumber of incidents of delay) or2) up to the amount shown in the summary of cover foryour travel and accommodation which has not beenused and which you have been paid or been contractedto pay for if you abandon the trip (on the outwardjourney only) after the first full 12 hours.If your outward or return flights, sea crossing, coachor train departure to or from your Home Country aredelayed for more than 12 hours beyond the intendeddeparture time (as specified on your travel ticket) as aresult of:a) strike or industrial action (provided that when thispolicy was taken out, there was no reasonable expectationthat the trip would be affected by such cause);b) adverse weather conditions if the underlying andcontinuing cause;c) mechanical breakdown or technical fault of theaircraft, coach, train or sea vessel.You are not covered1) if sufficient time has not been allowed for yourjourney in order to meet the check-in time specified bythe transport providers or agent;2) if you are not proceeding directly to the departurepoint;3) unless you get a letter from the public transportprovider confirming that the service did not run on time;4) unless you obtain confirmation from the police ormotoring authorities (eg. Highways Agency) to confirm amajor accident on a motorway causing delays or closureon the motorway;5) for any delay caused by a riot, civil commotion, strikeor industrial action which began or was announcedbefore the start date of your policy and the date yourtravel tickets or confirmation of booking were issued;6) for anything mentioned in the General Exclusions.This section does not apply to trips within your HomeCountry (except for trips to the Channel Islands).You are not covered1) for the excess as shown in the summary of cover onpage 6. The excess will apply for each trip that you havebooked, for each and every incident and for each insuredperson (this is only applicable if you abandon the trip);2) if you do not check-in for the flights, sea crossing,coach or train departure before the intended departuretime;3) if you do not obtain written confirmation from theairline, shipping, coach or train company stating theperiod and the reason for the delay;4) for any claims arising from withdrawal from servicetemporarily or otherwise of the aircraft, coach, train orsea vessel on the orders or recommendation of the CivilAviation Authority or a Port Authority or similar body inany Country;5) for any claims arising from volcanic ash;6) for anything mentioned in the General Exclusions.This section only applies for delays at your finalinternational departure point to or from yourHome Country.You are coveredThe following benefits, which will be paid to you or yourlegal personal representative, if you have a personalaccident during your trip which, at the end of 12 monthsafter the date of that accident, is the sole cause of yourconsequent death or disability:1) Death – £15,0002) Loss of limb, loss of sight or permanent totaldisablement – £25,000.If you are aged under 16 or over 75 at the time of theaccident the death benefit will be limited to funeraland other expenses up to £1,500 and the permanenttotal disablement benefit will not apply.The following definitions apply specifically to thissection:Loss of limb – means loss by permanent severance ofan entire hand or foot or the total and permanent loss ofuse of an entire hand or foot.Loss of sight – means total and irrecoverable loss ofsight which shall be considered as having occurred:a) in both eyes if Your name is added to the Registerof Blind Persons on the authority of a fully qualifiedophthalmic specialist andb) in one eye if the degree of sight remaining aftercorrection is 3/60 or less on the Snellen scaleSection 6Medical emergency expenses(not private health insurance)This section applies to:a) trips outside the United Kingdom;b) if you are a Channel Islands resident visiting otherparts of the United Kingdom;c) if you are visiting the Channel Islands from other partsof the United Kingdom; Cover does not apply otherwiseto trips within the United Kingdom.Before a claim for emergency expenses can besubmitted under this section, you must havecontacted the MAPFFRE Assistance as soon as youare hospitalised. Please refer to page 4.If you are taken into hospital or you think that youYou are not coveredAny claims for death, loss or disablement caused directlyor indirectly by:1) your sickness, disease, physical or mental conditionthat is gradually getting worse;2) an injury which existed prior to the commencementof the trip;3) pregnancy;4) any claims under this section not notified to us within12 months of the date of the accident;5) anything mentioned in the General Exclusions.may have to come home early (be repatriated) orextend your journey because of illness or accident,the emergency assistance company must be toldimmediately.If during your trip, you become ill or are injured:You are coveredUp to the amount shown in the summary of cover onpage 6 for costs incurred outside your Home Country1) for emergency medical and surgical treatment. Claimsfor emergency dental treatment (for the relief of painonly) shall be limited to £350;18 AllClear Travel Insurance – Your Cover AllClear Travel Insurance – Your Cover 19

Section 6Medical Emergency expensesContinued from page 19Section 7Personal property2) for reasonable and necessary additionalaccommodation (room only) and travelling expenses(economy class), including those of one relative or friendif you have to be accompanied home on medical adviceor if you are a child and require an escort home;3) loss of medication shall be limited to £300;4) in the event of death:a) for conveyance of the body or ashes to your HomeCountry (the cost of burial or cremation is not included)or;b) local funeral expenses abroad limited to £1,500;5) for reasonable cattery or kennel costs you have topay if for medical reasons you cannot return home asplanned;6) up to £25 for each 24 hour period that you are inhospital as an in-patient up to £1,000 in total duringthe journey.All receipts must be retained and produced inthe event of a claim. Your claim may be rejected ifreceipts are not produced.If you become ill or are injured we have the rightto bring you back home, if the MAPFRE AssistanceEmergency Service doctor in consultation with thetreating doctor concludes that you can safely travelhome. If you refuse to return home, we have theright to stop cover.YOU ARE NOT COVERED1) for the excess as shown in the summary of cover onpage 6. The excess will apply for each trip that you havebooked, for each and every incident and for each insuredperson;2) for any sums which can be recovered by you andwhich are covered under any National Insurance Schemeor Reciprocal Health Arrangement;3) for any expenses incurred for illness, injury ortreatment required as a result of:a) surgery or medical treatment which in the opinion ofthe attending doctor and the MAPFRE Assistance doctorcan be reasonably delayed until your return to yourHome Country;b) medication and/or treatment which at the time ofdeparture is known to be required or to be continuedoutside your Home Country;5) if you have not obtained a written certificateof fitness and ability to travel and endure the tripwhere you are undergoing medical treatment as ahospital out-patient at the time of paying the finalbalance of your trip;6) for claims that are not confirmed as medicallynecessary by the attending doctor or MAPFREAssistance.7) for the cost of any elective (non-emergency)treatment or surgery, including exploratory tests, whichare not directly related to the illness or injury whichnecessitated your admittance into hospital;8) for any additional hospital costs arising from singleor private room accommodation unless medicallynecessary;9) for treatment or services provided by a health spa,convalescent or nursing home or any rehabilitationcentre;10) for expenses incurred as a result of a tropical diseasewhere you have not had the recommended inoculationsand/or taken the recommended medication;11) for taxi fares not considered medically necessary, andwhere receipts have not been provided;12) for telephone expenses;13) for costs that arise over 12 months after a claim wasfirst notified;14) if at the start of your trip, during your trip or on yourreturn date, you are more than 36 weeks and 6 dayspregnant for a single pregnancy, or more than 32 weeksand 6 days for a multiple pregnancy;15) anything mentioned in the General Exclusions.YOU ARE COVERED1) Personal BaggageUp to the amount shown in the summary of coveron page 6 for the value or repair of any of your ownpersonal baggage (not hired, loaned or entrusted toyou except mobility aids, hired, loaned or entrusted toyou by the NHS or similar body), which is lost, stolen,damaged or destroyed (after making proper allowancefor wear and tear and depreciation). The maximum wewill pay for the following items;• £250 for all valuables in total• £200 for single article limit – any one article, pair and/or set of articles (except mobility aids)• £300 for all prescription spectacles (single articlelimit applies)• £50 for replacement keys (house and/or car only)• £2,500 gold plus cover and £500 gold cover formobility aids, including the necessary costs to hireother mobility aids.In the event of a claim for a pair or set of articleswe shall be liable only for the value of that part ofthe pair or set which is lost, stolen, damaged ordestroyed.2) Delayed BaggageUp to £100 towards the cost of buying replacementnecessities if your own personal baggage is delayed inreaching you on your outward journey for at least 12hours and you have a written report from the carrier(ie. airline, shipping company etc) or tour representative.Receipts will be necessary in the event of a claim.Any amount we pay you under 2 (Delayed Baggage)will be refunded to us if your personal baggageproves to be permanently lost.3) Personal MoneyUp to £400 (limited to £250 for each losses) if your ownmoney is lost or stolen whilst being carried on yourperson or left in a locked safety deposit box.If you are aged under 16, claims under PersonalMoney are limited to £100 overall (cash £50).4) Property ClaimsThese are settled on an indemnity basis – not on a “newfor old” or replacement cost basis, unless otherwisestated in the policy.YOU ARE NOT COVERED1) for the excess as shown in the summary of cover onpage 6. The excess will apply for each trip that you havebooked, each and every incident and for each insuredperson (not applicable to 2, Delayed Baggage);2) if you do not exercise reasonable care for thesafety and supervision of your property;3) for loss, destruction, damage or theft of personalbaggage, valuables, mobility aids or money leftunattended in a public place, or a place to whichmembers of the general public have access.4) if in the event of loss, burglary or theft of personalbaggage, valuables or money. You do not report this tothe police within 48 hours, and do not obtain a writtenpolice report;5) if your personal baggage is lost, damaged or delayedin transit, if you do not:a) notify the carrier (ie. airline, shipping company, etc)immediately and obtain a written carriers report (orProperty Irregularity Report in the case of an airline) or,b) follow up in writing within 7 days to obtain a writtencarriers report (or Property Irregularity Report in thecase of an airline), if you are unable to obtain oneimmediately.6) for loss, destruction, damage or theft:a) from confiscation or detention by customs or otherofficials or authorities;b) of contact lenses, dentures, hearing aids, samplesor merchandise, bonds, coupons, securities, stamps ordocuments of any kind, vehicles or vehicle accessories(other than wheelchairs and pushchairs only), tents,antiques, musical instruments, pictures, typewriters,mobile phones and accessories, computers/gamesconsoles (including handheld consoles) and/oraccessories, televisions, sports gear whilst in use (otherthan ski equipment for winter sports trips where theappropriate premium has been paid), pedal cycles,dinghies, boats and/or ancillary equipment, glass orchina, alcohol, cigarettes or any other tobacco products,satellite navigation systems (GPS) and or/accessories,Personal Digital Assistants (PDA’s and/or accessories);c) due to wear and tear, denting or scratching, mothor vermin;d) of valuables left as checked-in baggage.4) for preventative treatment which can be delayed untilyour return to your Home Country;20 AllClear Travel Insurance – Your Cover AllClear Travel Insurance – Your Cover 21

Section 7Personal propertyContinued from page 21Section 9Home helpor nanny7) for mechanical breakdown, derangement or forbreakage of fragile or brittle articles being transportedby a carrier, unless the breakage is due to fire or otheraccident to the vessel, aircraft or vehicle they are beingcarried in;8) for valuables stolen from an unattended vehicle;9) for personal baggage stolen from:a) an unattended vehicle, unless it was in the lockedglove compartment, or rear boot or luggage area ofthe vehicle and is covered so as not to be visible fromoutside the vehicle, and there is evidence of forcible andviolent entry or,b) an unattended vehicle (other than motor caravans)left for any period between the hours of 9pm and 9am;10) for any shortages due to error, omission ordepreciation in value;11) for any property more specifically insured orrecoverable under any other source;12) for the cost of replacement locks;13) for anything mentioned in the General Exclusions.YOU ARE COVERED FORUp to £300 in total for the cost of home help servicesor a registered nanny in your Home Country, if youget written advice from a doctor that you have to gointo hospital or stay in bed immediately after beingrepatriated during your journey.Section 10Ski equipmentYOU ARE NOT COVERED FOR1) any claim:a) which does not directly relate to the accident orillness, that happened during your journey;b) which the emergency assistance company has notauthorised;c) where you needed home help or a registered nannybefore you began your journey.2) anything mentioned in the General Exclusions.Section 8Personal public liabilityYOU ARE COVEREDUp to a maximum of £2,000,000 for your legal expensesand legal liability for damages which were caused by anaccident that happened during the trip, and leads to aclaim made against you for:1) accidental bodily injury to a person who is not amember of your family, household or employed by you;2) loss of or damage to any property which does notbelong to, is not in the charge or control of you, or anymember of your family, household or employee;3) damage to your temporary holiday accommodationthat does not belong to you, or any member of yourfamily, household or employee.YOU ARE NOT COVERED FOR1) fines imposed by a Court of Law or other relevantbodies;2) anything caused directly or indirectly by:a) liability which you are responsible for, because of anagreement that was made;b) injury, loss or damage arising from:i) ownership or use of aircraft, horse-drawn ormechanical/ motorised vehicles, bicycles, vessels (otherthan rowing boats, punts or canoes), animals (other thanhorses, domestic dogs or cats), or firearms (other thanguns being used for sport);ii) the occupation (except temporarily for the purpose ofthe trip) or ownership of any land or buildings;iii) the carrying out of any trade or profession;iv) racing of any kind;v) any deliberate act;c) liability covered under any other insurance policy;3) anything mentioned in the General Exclusions.If you are using a mechanical/motorised vehicle,make sure that you are adequately insured forthird party cover, as you are not covered underthis insurance.YOU ARE COVERED FOR1) Ski EquipmentUp to £500 for the value or repair of your own skiequipment (after making proper allowance for wear andtear and depreciation) or hired ski equipment, if they arelost, stolen or damaged during your trip.Claims for owned ski equipment will only becalculated as follows:Up to 12 months old 85% of purchase priceUp to 24 months old 65% of purchase priceUp to 36 months old 45% of purchase priceUp to 48 months old 30% of purchase priceUp to 60 months old 20% of purchase priceOver 60 months old 0%2) Ski HireFor £10 per day up to a maximum of £150 in all for thereasonable cost of hiring replacement ski equipment asa result of the accidental loss, theft or damage of yourown ski equipment during the period of insurance.3) Delayed Ski EquipmentUp to £150 towards the cost of hiring replacement skiequipment necessities, if your own ski equipment isdelayed in reaching you on your outward journey forat least 12 hours and you have a written report fromthe carrier (ie. airline, shipping company etc.) or tourrepresentative. Receipts will be necessary in the eventof a claim.This section of cover is only applicable if theappropriate winter sports premium has been paid.YOU ARE NOT COVERED1) for the excess as shown in the summary of cover onpage 6. The excess will apply for each trip that you havebooked, each and every incident and for each insuredperson (not applicable to 2 and 3 above);2) if you do not exercise reasonable care for the safety andsupervision of your own or your hired ski equipment;3) if you do not obtain a written police report within48 hours of the discovery in the event of loss, burglary ortheft of your own or your hired ski equipment if in theevent of loss, burglary, or theft of your own or hired skiequipment, you do not report this to the police within48 hours, and do not obtain a written police report;4) if your own or your hired ski equipment is lost,damaged or delayed in transit, if you do not:a) notify the carrier (ie. airline, shipping company etc.)immediately and obtain a written carriers report (orProperty Irregularity Report in the case of an airline) or,b) follow up in writing within 7 days to obtain a writtenCarrier’s Report (or Property Irregularity Report in the caseof an airline), if you are unable to obtain one immediately;5) for loss, destruction, damage or theft from confiscationor detention by customs or other officials or authorities;6) for your own or your hired ski equipment stolen from:a) an unattended vehicle unless it was in the rear bootor luggage area of the vehicle and is covered so as notto be visible from outside the vehicle, or items stored ona roof rack (unless the vehicle is parked within sight ofyou), and there is evidence of forcible and violent entry;b) an unattended vehicle (other than motor caravans)left for any period between the hours of 9pm and 9am.7) for anything mentioned in the General Exclusions.22 AllClear Travel Insurance – Your Cover AllClear Travel Insurance – Your Cover 23

Section 11Ski PackSection 13Legal Costs andexpensesYOU ARE COVEREDYOU ARE NOT COVEREDYOU ARE COVEREDYOU ARE NOT COVERED FORUp to a maximum of £400 in all for the unused portion ofyour ski pack costs paid for or contracted to be paid forbefore your trip commenced, where you do not curtailthe trip, but are certified by a Medical Practitioner in theresort as being unable to ski and unable to use the skipack facilities because of serious injury or illness occurringduring the trip and where there is confirmation that norefund is available for the unused items.This section of cover is only applicable if theappropriate winter sports premium has been paid.Section 12Piste ClosureCover is only available under this Section between1st December to 30th April in the Northern Hemisphere,and between 1st April and 31st October in the SouthernHemisphere.If there is a lack of snow in your resort and it closes,which prevents you from skiing.YOU ARE COVERED1) for a benefit of £35 per day towards the costs youhave to pay to travel to another resort or2) for the amount shown in the Summary of Cover foreach full day you are unable to ski, up to a maximumof £350 if your resort stays closed and there is no otherresort available, for as long as these conditions exist atthe resort, but not exceeding the pre-booked period ofinsurance of your trip.This section of cover is only applicable if theappropriate winter sports premium has been paid.1) for the excess as shown in the summary of cover onpage 6. The excess will apply for each trip that you havebooked, for each and every incident and for each insuredperson;2) for claims that are not confirmed as medically necessaryby MAPFRE Assistance and where a medical certificatehas not been obtained from the attending MedicalPractitioner abroad confirming that you are unable to skiand unable to use the ski pack facilities;3) for anything mentioned under YOU ARE NOTCOVERED of Section 6 – Medical Emergency Expenses;4) for anything mentioned under the General Exclusions.YOU ARE NOT COVERED1) for claims where you have not obtained confirmationof resort closure from the local representative;2) for claims where not all skiing facilities are totallyclosed;3) for claims where the lack of snow conditions areknown or are public knowledge at the time of effectingthis insurance;4) for anything mentioned in the General Exclusions.If you die or are injured as a result of an accident whichoccurs during your trip during the period of insurance,and you or your legal representative take legal actionto get compensation, we will do the following in anattempt to get compensation for the death or injury:1) up to a maximum of £25,000 for each insuredperson (but not more than £50,000 in total for allinsured persons) for any fees and other disbursementsreasonably incurred by your legal representativesin connection with any claim or legal proceedings,including costs and expenses of expert witnesses andcosts incurred by us;2) any costs payable by you following an award of costsby any court or tribunal and any costs payable followingan out of court settlement made in connection with anyclaim or legal proceedings;3) any fees, expenses and other disbursementsreasonably incurred in appealing or resisting an appealagainst the judgement of a court, tribunal or arbitrator;4) provide up to £1,000 for each insured person, fortravel costs that have to be paid to go to a foreign courtin connection with any legal action under 1) above;5) if no compensation is received either as a result of theclaim being abandoned or failing, then subject to thelimits of cover stated in the policy and policy schedulewe will pay the costs incurred;6) if compensation is recovered for you then the usualcosts rules of the relevant jurisdiction will apply. In somejurisdictions you will recover your costs, in others youwill not. Any costs not recovered must first be met fromthe compensation. If the value of the costs not recoveredexceeds the compensation then we will pay the balanceof costs after the application of the compensation,subject to the limits of the cover in the policy andpolicy schedule.1) legal costs and expenses incurred in pursuit of anyclaim against a travel agent, tour operator, carrier,MAPFRE Assistance or their agents, someone you weretravelling with or another insured person;2) legal costs and expenses incurred prior to thegranting of support by us in writing;3) any claims notified to us more than 180 days after thedate of the incident giving rise to such claim;4) any claim where the legal costs and expenses arelikely to be greater than the anticipated amount ofcompensation;5) any claim where you are insured for legal costs andexpenses under any other insurance policy;6) any claim where legal costs and expenses are baseddirectly or indirectly on the amount of compensationaward (Contingency Fee Agreement);7) legal costs and expenses incurred if an action isbrought in more than one country;8) any claim where in our opinion there is insufficientprospect of success in obtaining a reasonable benefit;9) anything detailed in the General Exclusions.CONDITIONS1) We shall have complete control over the legalproceedings and the appointment and control ofa lawyer. We shall appoint a lawyer on your behalfwith the expertise necessary to pursue your claim.2) You must follow the lawyer's advice and provideany information and assistance required. Failure todo so will entitle us to withdraw cover.3) We must have access to any and all of the lawyer'sfile of papers.4) We may include a claim for our legal costs andexpenses.24 AllClear Travel Insurance – Your Cover AllClear Travel Insurance – Your Cover 25

Section 14Loss and hire ofgolf equipmentSection 16Hole-in-one!YOU ARE COVERED FOR1) Loss of Golf EquipmentUp to £750 for the value of repair of your own golfequipment (after making proper allowance for wear andtear and depreciation) or hired golf equipment, if theyare lost, stolen or damaged during your trip, £250 forany one item.2) Hire of Golf EquipmentFor £75 per day, up to a maximum of £375, for thereasonable cost of hiring replacement golf equipment asa result of the accidental loss, theft or damage of yourown golf equipment during the Period of Insurance.Cover is only in place if the Golf cover premium hasbeen paid.3) if in the event of loss, burglary or theft of your ownor your hired golf equipment, you do not report this tothe police within 48 hours, and do not obtain a writtenpolice report;4) if your own or your hired golf equipment is lost,damaged or delayed in transit if you do not;a) notify the carrier (ie. airline, shipping company etc.)immediately and obtain a written Carrier’s Report (orProperty Irregularity Report in the case of an airline) or,b) follow up in writing within seven days to obtain awritten Carrier’s Report (or Property Irregularity Reportin the case of an airline), if you are unable to obtainone immediately;5) for loss, destruction, damage or theft from confiscationor detention by customs or other officials or authorities;6) for your own or your hired golf equipment stolen from:a) an unattended vehicle unless it was in the rear bootor luggage area of the vehicle and is covered so as notto be visible from outside the vehicle, or items stored ona roof rack (unless the vehicle is parked within sight ofyou), and there is evidence of forcible and violent entry;You are coveredFor a benefit of £100 if you complete a hole in one strokegross (ie. exclusive of handicap) during any organisedgame on any golf course.This benefit will only be payable once in any game.Section 17End supplier failureYOU ARE NOT COVERED1) if you do not produce written confirmation from thesecretary of the club, stating that the hole in one has beenperformed to the satisfaction of the club, together withthe original score card fully completed and duly signed;2) for anything mentioned under the General Exclusions.YOU ARE NOT COVERED1) for the excess as shown in the summary of cover onpage 6. The excess will apply for each trip that you havebooked, for each and every incident and for each insuredperson;2) if you do not exercise reasonable care for the safety andsupervision of your own or your hired golf equipment;Section 15Loss of green feesb) an unattended vehicle (other than motor caravans)left for any period between the hours of 9 pm and 9 am;7) for anything mentioned in the General Exclusions.You are coveredUp to £5,000 in total for each Person-Insured named onthe Invoice for:1) Irrecoverable sums paid in advance in the event ofinsolvency of the Travel or Accommodation provider notforming part of an inclusive holiday prior to departure, or2) In the event of insolvency after departure:a) additional pro rata costs incurred by the Person-Insured in replacing that part of the travel arrangementsto a similar standard to that originally booked, orb) if curtailment of the holiday is unavoidable – thecost of return transportation to the United Kingdom,Channel Islands or Ireland to a similar standard to thatoriginally booked.YOU ARE NOT COVERED1) for travel and accommodation not booked withinthe United Kingdom, Channel Islands or Ireland prior todeparture;2) for the financial failure of:a) any travel or accommodation provider in Chapter 11or any threat of insolvency being known at the date ofissue of the ;b) any travel or accommodation provider who is bondedor insured elsewhere (even if the bond is insufficient tomeet the claim);c) any travel agent, tour organiser, booking agentor consolidator with whom the insured has bookedtraveller accommodation.3) Any loss for which a third party is liable or which canbe recovered by other legal means.YOU ARE COVERED FORYOU ARE NOT COVEREDUp to £75 per day, up to a maximum of £375 in total forthe unused portion of your Green Fees costs paid foror contract to be paid for before your trip commenced,where you do not curtail the trip, but are certified bya Medical Practitioner as being unable to play golfand use the golf facilities because of serious injury orillness occurring during the trip and where there isconfirmation that no refund is available for the unusedGreen Fees.Cover is only in place if the Golf cover premium hasbeen paid.1) for claims that are not confirmed as medicallynecessary by the MAPFRE Assistance and where amedical certificate has not been obtained from theattending Medical Practitioner abroad confirming thatyou are unable to play golf and unable to use the golffacilities;2) for anything mentioned under YOU ARE NOT COVEREDfor of Section 6 – Medical Emergency Expenses;3) for anything mentioned under the General Exclusions.26 AllClear Travel Insurance – Your CoverAllClear Travel Insurance – Your Cover 27

General Exclusionsfrom your policyGeneralExclusionsBeach villas on the MaldiveIslands, in the Indian Ocean250 miles south-west ofIndia. The archipelagoof twenty-six islands,surrounded by coral reefsare rich in marine life and apopular location for thosewho enjoy diving.YOU ARE NOT COVERED FORAnything directly or indirectly caused by:1) your suicide, or attempted suicide, deliberatelyinjuring yourself, being under the influence of drinkor drugs (unless prescribed by a doctor), alcoholism orother alcohol related illnesses, drug addiction, solventabuse, self-exposure to needless danger (unless you aretrying to save someone’s life);2) you being compulsorily detained as a psychiatricpatient in a hospital or other medical facility. (Thisexclusion applies in all cases whether the premiumhas been paid to cover a pre-existing medical conditionor not);3) professional or organised sports, winter sports (unlessthe appropriate premium has been paid), racing, speedor endurance tests, scuba diving to a depth greater than30 metres, scuba diving without a qualified instructor, ordangerous pursuits;4) air travel (other than as a fare-paying passenger on aregular scheduled airline or licensed charter aircraft);5) air travel within 24 hours of scuba diving;6) bankruptcy/liquidation of any tour operator, travelagent or transportation company (except under theterms of Section 17-End Supplier Failure);7) any other loss connected to the event you areclaiming for unless we specifically provide cover underthis policy;8) loss or damage to any property and expense or legalliability; directly or indirectly caused by or contributed toby or arising from:a) ionising radiations or radioactive contaminationfrom any nuclear fuel or nuclear waste which results inburning of nuclear fuel;b) the radioactive, toxic, explosive or other dangerousproperties of nuclear machinery or any part of it;c) pressure waves from aircraft and other flying objectstravelling faster than the speed of sound.9)a) war, invasion, acts of foreign enemies, hostilities orwarlike operations (whether war be declared or not), civilwar, rebellion, revolution, insurrection, civil commotionor uprising, blockade, military or usurped power;b) any act of terrorism not involving the use or release ofor threat thereof of any nuclear weapon or any chemicalor biological agents:i) this exclusion will not apply to Section 5 – PersonalAccident or Section 6 – Medical Emergency Expensesprovided that the Insured Person suffering personalaccident injury or illness has not participated in orconspired in such activities,ii) provided also that in the event of benefit beingpayable the maximum payable in respect of any oneclaim or series of claims arising from a single act ofterrorism or series of acts of terrorism occurring within a72 hour period is £2,500,000 in the aggregate.c) any act of terrorism involving the use or release of orthreat thereof of any nuclear weapon or any chemicalor biological agents: An act of terrorism means an act,including but not limited to the use of force or violenceand/or threat, of any person or group(s) of person(s),whether they are acting alone or on behalf of or inconnection with any organisation(s) or government(s),committed for political, religious, ideological or similarpurpose including the intention to influence anygovernment and/or to put the public, or any section ofthe public at fear;d) any loss, damage, cost or expense of any naturethat results from or is in connection with anythingmentioned in a), b) or c) above regardless of any othercause or event or sequence of events or any actiontaken in controlling, preventing or suppressing anythingmentioned in a), b) or c) above; You are responsible forproving why this Exclusion, in whole or in part, shouldnot be applied. If any portion of this Exclusion is foundto be invalid or unenforceable, the remainder of it willremain in force and effect;10) you riding on a motorcycle, Quad bike or anymechanically assisted cycle with an engine capacity inexcess of 125cc and in any event if you fail to wear acrash helmet;11) you driving a motor vehicle or riding a motorcycle,Quad bike or any mechanically assisted cycle without anappropriate licence or when not insured under a motorinsurance policy;12) the cost of any elective (non-emergency) treatmentor surgery, including exploratory tests, which are notdirectly related to the illness or injury which necessitatedyour admittance into hospital;13) mountaineering or rock climbing, ordinarilynecessitating the use of picks, ropes or guides,or pot-holing;14) your manual work or hazardous occupation ofany kind;Continued....28 AllClear Travel Insurance – General Exclusions AllClear Travel Insurance – General Exclusions 29

General Exclusionsfrom your policyContinued from page 29ComplaintsprocedureWhilst every effort is made to maintain the highestservice standards, should there be an occasion when theservice you receive falls below the standard you expect,please use the below contact details to inform AllClear orMAPFRE of your concerns:For complaints about the sale of Your PolicyPlease contact AllClear Insurance Services at thebelow address:You can register your complaint by telephone, letteror email:Telephone:0845 250 5210Postal address:AllClear Insurance ServicesAllClear House1 Redwing CourtAshton RoadRomfordEssex RM3 8QQEmail:info@allclearinsurance.comWhen you contact AllClear Insurance Services pleasequote your policy schedule number and provide atelephone number to assist us in dealing with yourenquiry speedily. If possible AllClear Insurance Serviceswill call you within one working day and try to resolvethe issue straight away. Otherwise AllClear InsuranceServices will record the nature of your complaint andassign a complaints handler who will complete a fullinvestigation and contact you in writing.For complaints following a claim notificationPlease contact MAPFRE Assistance at the below address:You can register your complaint by telephone or letter:Telephone:0844 888 4461Postal address:The Customer Relations ManagerMAPFRE AssistanceMaitland HouseWarrior SquareSouthend-on-SeaEssex SS1 2JYWhen you contact MAPFRE Assistance please quoteyour policy schedule number and claim number andprovide a telephone number to assist us in dealing withyour enquiry speedily.MAPFRE Assistance follow the Financial ConductAuthority guidelines to complaints handling, a copyof the MAPFRE Assistance complaints procedure isavailable upon request.15) taking part in dangerous expeditions or the crewingof a vessel outside European waters;16) any payment which you would normally have madeduring your travels, if nothing had gone wrong;17) failure of any computer hardware or software orother electrical equipment to recognise or processany date as the true calendar date (this exclusion doesnot apply to claims made under Section 5 – PersonalAccident, Section 6 – Medical Emergency Expenses);18) off-piste skiing except whilst under the supervisionof a qualified guide/instructor;19) ski jumping, ice hockey, the use of skeletons orbobsleighs;20) ski or ski bob racing in International and Nationalevents and their heats and officially organised practiceor training for these events;21) your travel to a country or specific area or eventto which the Travel Advice Unit of the Foreign andCommonwealth Office or the World Health Organisationhas advised the public not to travel.22) any claim arising or resulting from you beinginvolved in any malicious, reckless, illegal or criminal act;23) any claim which arises directly or indirectly fromyou not being allowed to board a flight, train, sea vessel,coach or bus for any reason whatsoever.24) Date Change Exclusion Changes in dates couldsee widespread failures of computer and other systemscontaining computer chips, which depend on daterelated information in order to work properly. Certainsections of your policy exclude anything directly orindirectly caused by failure of any computer hardware orsoftware or other electrical equipment to recognise orprocess any date as the true calendar date.25) You are not covered for anything directly orindirectly caused by any circumstances that are knownat the time of purchasing this insurance or at the time ofbooking your trip, which could reasonably be expectedto give rise to a claim.AllClear Insurance Services follow the Financial ConductAuthority guidelines to complaints handling, a copyof AllClear Insurance Services complaints procedure isavailable upon request.If you are still not satisfiedIf you are still not satisfied you have the right to referany dispute to the Financial Ombudsman Service bywriting to:Financial Ombudsman ServiceExchange TowerLondon E14 9SR30 AllClear Travel Insurance – General Exclusions AllClear Travel Insurance – General Exclusions 31

Amateur Sporting andHazardous ActivitiesThe following activities listed in the table below are coveredunder your policy. The conditions, indicated by pink numberswithin the table, are listed at the top of the right hand corner of page 33.If the activity you wish topartake in is not listed pleasecontact the AllClear call centreon 0845 250 5201Basic Conditions1. You are accompanied by, or accessible to, an experiencedand/or suitable qualified instructor or guide.2. You are adequately supervised, taking part in an organisedevent, session or excursion.3. You must be a fare-paying passenger in a chartered craft.4. You are not taking part in a league or competition.5. You are using natural or purpose/built facilities approved foruse for the activity by a local or national regulatory authority.6. This does not constitute the main purpose of the trip.7. Protective clothing and headgear must always be worn.For certain activities the condition is that cover under somesections of the policy is excluded8. Cover under the Personal Accident section is excluded9. Cover under the Personal Public Liability section is excludedActivity Acceptability Condition NumberAbseiling Covered 2, 5, 6Archery Covered 2BadmintonCoveredBallooning (Hot Air) Covered 2, 3Banana boat rides (Beach activity)CoveredBaseballCoveredBasket ballCoveredBlade skatingCoveredBone fishing (see Deep Sea Fishing)CoveredBOSS (Breathing Observation Submersible Scooter) Covered 1, 2, 9BowlsCoveredCamel ridingCoveredCanoeing (in calm waters)CoveredCatamaran sailing (European waters only) Covered 1, 4, 9Clay pigeon shooting Covered 1, 5Climbing wall Covered 2, 7Cricket Covered 4, 6Cross country skiing (on recognised paths) Covered If winter sports premium is paidCurlingCoveredCycling (excluding BMX/Mountain biking)CoveredDeep sea fishing Covered 2Dry skiing Covered If winter sports premium is paidFell runningCoveredFell walkingCoveredFencing Covered 1, 6, 7, 8, 9Fishing (see Deep Sea Fishing)CoveredFlying Covered 3Football (soccer not American football) Covered 2, 7, 9Gaelic football Covered 2, 7, 9Gliding Covered 1, 3, 8, 9Go karting (up to 120cc) Covered 2, 6, 9GolfCoveredGymnasticsCoveredHeli skiing Covered If winter sports premium is paid 1, 3, 6HeptathlonCoveredHiking (on recognised routes)CoveredHobie catting (European waters only) Covered 1, 4, 9Horse Riding Covered 4, 7Hot dogging (Grades 1, 2 & 3) Covered 1, 7Ice skating Covered 4, 6Indoor climbing Covered 1, 5, 7Inner tubing (in snow) Covered If winter sports premium is paid 4, 5Inner tubing (on land or water) Covered 2Jeep/Car trekking Covered 2, 3, 9Jet boating Covered 2Jet skiing Covered 6, 9Jungle surfing Covered 5, 7Kite buggying Covered 4, 6, 7, 9Kite surfing (water) Covered 4, 9Kayaking (in calm waters) Covered 1, 4, 9Activity Acceptability Condition Number (see details above)Mono skiing (on Snow) Covered If winter sports premium is paidNetballCoveredOff piste skiing Covered If winter sports premium is paid 1, 4OrienteeringCoveredParasailing (over water) Covered 2, 7, 8, 9Parascending (over water) Covered 2Passenger sledge (Horse and Carriage)CoveredPedaloesCoveredPolo Covered 4, 8, 9Pony trekkingCoveredRacket ballCoveredRamblingCoveredRifle range Covered 5, 9Roller skating/BladingCoveredRoundersCoveredRowing Covered 4, 9Rubber ring rides (Beach Activity)CoveredRunning Covered 4Safari/Gorilla trekking Covered 2Sail boardingCoveredSailing (including Flotilla. European waters only) Covered 4, 9Sand yachting Covered 9Scuba diving (to 30 metres deep) Covered 1SkateboardingCoveredSkiing Covered If winter sports premium is paidSky diving indoor Covered 2, 7Sledging Covered If winter sports premium is paidSnorkelling (to 10 metres deep)CoveredSnow boarding Covered If winter sports premium is paidSnow mobile Covered If winter sports premium is paid 6, 9Snow shoeing Covered If winter sports premium is paidSphereing/Zorbing (including aqua) Covered 2SquashCoveredStreet hockey Covered 9SurfingCoveredTable tennisCoveredTen pin bowlingCoveredTennisCoveredTobogganing Covered If winter sports premium is paidTree trekking Covered 2Trekking hiking (up to 3000 metres)CoveredVolley ballCoveredWake BoardingCoveredWar games/Paint balling Covered 7, 9Water poloCoveredWater skiingCoveredWhite water rafting (Grades 1,2 & 3) Covered 7, 8, 9WindsurfingCoveredYachting (European Waters only) Covered 4, 9Zorbing/Sphereing (including aqua) Covered 232 AllClear Travel Insurance – General Exclusions AllClear Travel Insurance – General Exclusions 33

Emergency & General Contact NumbersIf you need medical emergency assistancewhile abroad:Telephone MAPFRE AssistanceUK 0207 748 0521Outside UK +44 207 748 052124 hour helplineQuote reference AllClearIf you need a claim form:Telephone AllClear Travel Insurance Claims01420 383014If you need to talk about your policy:Telephone the AllClear Call Centre0845 250 5201This insurance is underwritten by MAPFRE AsistenciaCompañia International de Seguros y Reaseguros, SociedadAnonima, 5th Floor, Alpha House, 24a Lime Street, London,EC3M 7HS. Company Number: FC021974. Branch NumberBR008042. Trading under the name MAPFRE Assistance.We (MAPFRE Asistencia) are authorised by the DirecciónGeneral de Seguros y Fondos de Pensiones and are subjectto limited regulation by the Financial Conduct Authority andthe Prudential Regulation Authority. Details about the extentof regulation by the Financial Conduct Authority and thePrudential Regulation Authority are available on request.MAPFRE Asistencia Compañia International de Seguros yReaseguros, S.A. branch in the United Kingdom (tradingas MAPFRE Assistance) has registered offices at 5th Floor,Alpha House, 24a Lime Street, London, EC3M 7HS. MAPFREAsistencia main office is based in Spain which forms partof the EEA (European Economic Area) as a member state.The Kingdom of Spain is responsible for controlling theinsurance activity of MAPFRE Asistencia S.A., throughthe Spanish Ministry of Economy and the Treasury, andspecifically the General Directotate for Insurance Matters andPensions Fund (Dirección General de Seguros y Fondos dePensiones). Its branch in the United Kingdom is also underthe United Kingdom FCA (Financial Conduct Authority) andPRA (Prudential Regulation Authority) supervision in certainsituations according to the European Union Regulation.Data Protection Act 1998Please note that any information provided to us will beprocessed by us and our agents in compliance with theprovisions of the Data Protection Act 1998, for the purpose ofproviding insurance and handling claims, if any, which maynecessitate providing such information to third parties.AllClear Insurance Services Limited are authorised andregulated by the Financial Conduct Authority (Firm ReferenceNumber 311244).Fiancial Services Compensation SchemeMAPFRE Assistance is covered by the financial servicescompensation scheme (FSCS). This means that you may beentitled to compensation from the scheme if we cannot meetour obligation. This depends on the type of business and thecircumstances of the claim.Further information about compensation is available fromthe FSCS at www.fscs.org.uk or telephone 0800 678 1100.00 All Clear Travel Insurance – Exclusions and Conditions