Policy Wording - AllClear Travel Insurance

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