Your Policy Booklet - AllClear Travel Insurance

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MAXIMUM PERIOD OF INSURANCESingle Trip Policies: 184 daysAnnual Multi-Trip policies: Any number of trips in the period of insurance, but with a limit of 31days for any one trip.AGE LIMITSThere are no age limits on this policy for trips up to 92 days in duration. However, for singletrips of more than 92 days, the age limit is 75.GEOGRAPHICAL LIMITSThe geographical limits on the policy are shown below (The Policy Schedule defines whichgeographical area applies on YOUR specific policy based on the premium YOU paid)Area 1 – UK inc. Channel Islands: Means the United Kingdom of Great Britain and NorthernIreland, the Scilly Isles, the Isle of Man and the Channel Islands.Area 2 – Europe exc. Egypt, Israel, Spain, The Canaries, Turkey, Cyprus & Malta: Meansthe continent of Europe west of the Ural Mountains including the Republic of Ireland, all countriesbordering the Mediterranean Sea, as well as Madeira and The Azores, (but excluding Egypt,Israel, Spain, The Canaries, Turkey, Cyprus and Malta).Area 3 – Europe exc. Egypt and Israel: Same as Area 2 (but including Spain, The Canaries,Turkey, Cyprus and Malta).Area 4 – Worldwide exc. Singapore, China, Hong Kong, Mexico, USA, Canada & Caribbean:Means anywhere in the world (including Egypt and Israel) except Singapore, China, Hong Kong,Mexico, USA, Canada and the Caribbean.Area 5 – Worldwide exc. USA, Canada & Caribbean: Same as Area 4 (but including Singapore,China, Hong Kong and Mexico).Area 6 – Worldwide: Means anywhere in the world.18
HAZARDOUS ACTIVITIESYOU are not covered for taking part in any Hazardous Activity unless it is listed below. If YOUare going to take part in any activity which may be considered dangerous or hazardous that isnot detailed below please call the OK To Travel Ltd call centre on 01223 446920 to see if WE canprovide cover. Please note that under Section 11 (Personal Liability) YOU will not be covered forliability caused directly or indirectly by YOUR owning or using any firearms or weapons, animal,aircraft, motorised vehicle, boat and other watercraft, or any form of motorised leisure equipment,including jet skis and snowmobiles.Cover for the following activities that are considered to be Hazardous Activities is included forrecreational purposes only and not for competitions or any professional activity subject to thefollowing endorsement:The exclusion of Hazardous Activities in the General Exclusions is deleted only with respectto cover under Section 6 (Medical Expenses) and under Section 2 (Curtailment) but not Section1 (Cancellation) for participation in the following Hazardous Activities on a non-professional(amateur) and recreational basis provided that YOU ensure the activity is adequately supervisedand that appropriate safety equipment (such as protective head wear, life jackets etc.) are worn atall times and YOU do not participate in such Hazardous Activities for more than 90 days in anyone period of insurance.The acceptable Hazardous Activities list is:Category A (covered for no additional premium)YOUR Insurance automatically covers YOU for the following activities:• Aerobics• Archery• Badminton• Basketball• Beach games• Bowls• Cricket• Cycling (but not BMX and mountain bikes) No Personal Liability cover• Fell walking, rambling and trekking• Fishing• Football• Golf• Hiking up to 2,000 metres altitude• Ice-skating (rink only)• Parascending (towed by boat) No Personal Liability cover• Racket Ball• Rafting, canoeing and kayaking (including white water up to grade 3) No Public Liabilitycover19
Page 1 and 2: Your Policy BookletRelax… you’r
Page 3: Section 14 - Hijack 34Section 15 -
Page 6 and 7: POLICY SUMMARYThe purpose of the fo
Page 9 and 10: misrepresentation, abusive behaviou
Page 11 and 12: DEFINITIONSThe following words and
Page 13 and 14: supply of goods and services on whi
Page 15 and 16: and avoid language difficulties. If
Page 17: CHANGE IN YOUR STATE OF HEALTHAfter
Page 21 and 22: • Hockey• Horse riding whilst w
Page 23 and 24: SECTION 1 - CANCELLATIONWE will pay
Page 25 and 26: eturn to duty.YOU ARE NOT COVERED1)
Page 27 and 28: SECTION 5 - PERSONAL ACCIDENTWE wil
Page 29 and 30: 15) for anything relating to a pre-
Page 31 and 32: a) from confiscation or detention b
Page 33 and 34: a) liability which YOU are responsi
Page 35 and 36: SECTION 15 - END SUPPLIER FINANCIAL
Page 37 and 38: SECTION 16-18 - WINTER SPORTSUpon p
Page 39 and 40: facilities;3) for anything mentione
Page 41 and 42: eing unable to play golf and use th
Page 43 and 44: anything mentioned in General Exclu
Page 45 and 46: MONEY, PASSPORTS, TICKETS OR DOCUME
Page 47 and 48: TRAVEL DELAY: Claims due to strike

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