Category D (Additional Premium required)Provided YOU have paid the appropriate premium YOU will be covered for all of the activitieslisted in Category A, B and C plus the following activities:• BMX Cycling• Bob Sleighing• Canyoning• Hang Gliding• Heli Skiing• High Diving• Horse Jumping• Ice Hockey• Land Yachting• Luging• Micro Lighting• Motor Rallies• Parasailing• Rock Climbing• Rock Scrambling• Scuba Diving (between 30 and 40 metres) if BSAC, PADI, DIWA, SSI or SSA member• Show Jumping (no Polo, Hunting)• Sky Diving• Tobogganing• WrestlingWhen YOU have paid the appropriate additional premium for Scuba or skin diving at any depththe following endorsement applies:SCUBA or skin diving to a maximum depth of 30 meters (see category B) will be covered providedthat YOU hold a British Sub Aqua Club (B.S.A.C.), Professional Association of Diving Instructors(P.A.D.I) or equivalent certificate of proficiency for the dive being undertaken or YOU are underthe direct supervision of a qualified instructor; are diving with proper equipment and not contrary toB.S.A.C. codes of good practice; are not solo/ cave/wreck diving, are not diving for hire or reward;are not diving within 24 hours of flying or flying within 24 hours of diving and are not suffering fromany medical condition likely to impair YOUR fitness to dive.22
SECTION 1 - CANCELLATIONWE will payUp to the amount shown in the Schedule of Cover & Limits for the cost of unused travel andaccommodation arrangements which YOU have paid, or YOU have contracted to pay, andwhich YOU have had to necessarily and unavoidably cancel before YOU commence YOUR trip(including ski hire, ski school and lift passes where the appropriate winter sports premium hasbeen paid), due to:1) The death or disablement by bodily injury, illness, pregnancy or being subject to quarantine of(a) YOU, (b) any person YOU were intending to travel or stay with, (c) a close relative of YOURSor of any person YOU were intending to travel with or (d) a close business associate of YOURS;or2) YOU being called for jury service or as a witness in a Court of Law (but not as an expertwitness or where YOUR employment would normally require YOU to attend court); or3) YOUR redundancy or the redundancy of any person YOU were intending to travel with,provided that WE are informed in writing immediately notification of redundancy is received andthat YOU were not aware of any impending redundancy at the time this policy was issued. If,however, YOU do not wish to cancel as a result of redundancy and YOU travel on the trip asplanned instead, WE will pay 50% of YOUR pre-paid travel and accommodation costs (up to theamount shown in the Schedule of Cover & Limits); or4) YOUR home being made uninhabitable or YOUR place of business being made unusable, upto 14 days before the commencement of YOUR trip, due to fire, lightning, explosion, earthquake,subsidence, storm, flood, falling trees, riot or civil commotion, malicious damage, burst pipes,impact by aircraft, or the police requesting YOUR presence following burglary or attemptedburglary at YOUR home or place of business; or5) YOUR passport, or the passport of any person YOU were intending to travel with being stolenduring the seven days before YOUR booked date of departure, provided the passport was validfor the trip and had at least 6 months validity.6) YOUR carer (provided he or she is insured on this policy) having to cancel his/her trip withYOU due to one of the reasons stated above. If YOU wish to continue YOUR trip, we will pay upto £1,000 in total for the costs of extra accommodation and transport to replace YOUR originalcarer.7) YOU, an immediate relative of YOURS or any person YOU intended to travel with, who is amember of the Armed Forces, emergency services or a government employee and being orderedto return to duty.8) YOU or any person YOU intended to travel with becoming pregnant after YOU have bought thispolicy if YOU or they will be more than 28 weeks pregnant at the start of, or during YOUR trip. Or,YOUR doctor advises that YOU are not fit to travel because YOU are suffering from complicationsof pregnancy.YOU ARE NOT COVERED1) for the excess shown in the Schedule of Cover & Limits per insured person;2) if YOU do not obtain a medical certificate from a medical practitioner, confirming thatcancellation of the trip is medically necessary;3) for claims arising from normal pregnancy without any accompanying bodily injury, illness,disease or complication or childbirth where YOU are more than 28 weeks pregnant at the start23
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