Your Policy Booklet - AllClear Travel Insurance

misrepresentation, abusive behaviour to any of our staff or agents.• HAZARDOUS ACTIVITIES: The policy will cover YOU when YOU take part in some, but notall, hazardous activities (sports etc) See page 19 - 22 for full details.• DATA PROTECTION ACT 1998: Please note that any information provided to US will beprocessed by US and OUR agents in compliance with the provisions of the Data ProtectionAct 1998, for the purpose of providing insurance and handling claims, if any, which maynecessitate providing such information to third parties.• GOVERNING LAW: YOUR policy is governed by the law applicable to where YOU residewithin the United Kingdom. Any disputes arising out of this contract are to be submittedto the exclusive jurisdiction of the courts of the country that you live in within theUnited Kingdom (UK) or the Channel Islands.The policy applies to all persons named on the Policy Schedule who are eligible to be insured andfor whom the premium has been paid.YOU must be resident in the UK for the last six months and registered with a UK GP.FINANCIAL SERVICES COMPENSATION SCHEMEURV is covered by the Financial Services Compensation Scheme. This provides compensationin case any of its members go out of business or into liquidation and are unable to meet anyvalid claims under its policies. Further information can be obtained from the Financial ServicesCompensation Scheme (www.fscs.org.uk) or by contacting the FSCS at 10th Floor, BeaufortHouse, 15 St Botolph Street, London EC3A 7QU or by calling 0800 678 1100 or 020 7741 4100 orfaxing 020 7892 7301. Lines are open Monday to Friday 08.30 to 17.30 excluding public holidays.Alternatively, YOU can email them at enquiries@fscs.org.uk.IMPORTANT CONDITIONS1) This policy is only available to residents of UK who have lived in the UK for the last six monthsand are registered with a UK GP.2) This policy is only valid for trips commencing in and returning to UK.3) Should you wish to cancel your policy outside of the 14 day cooling off period, and can confirmthat there have been no claims on the policy and that you have not travelled, in addition to a£15 administration charge; the following cancellation terms will be applied dependant on whattype of policy you have purchased (please see “Cooling Off Period” under Important Notes).4) If any money, valuables or items of personal baggage, are lost or stolen, YOU must notify thelocal police within 24 hours of discovery of loss and obtain a police report. Failure to do so mayinvalidate YOUR claim.5) Insurance cannot be purchased once YOUR trip has commenced, although WE may agreeto extend an existing policy before it has expired for an additional premium if YOU decide toprolong YOUR trip whilst abroad (up to the maximum period of insurance stated below). IfYOU have no option but to extend YOUR trip due to circumstances completely beyond YOURcontrol, no additional premium will be payable.6) YOU are covered for a stopover of no more than 72 hours in total outside of YOUR selectedgeographical area, or 20% of the total trip duration, whichever is the lesser.7) YOU must insure for the full cost of YOUR trip. If YOU fail to do so WE will not pay more thanthe proportionate cost of YOUR trip for any cancellation or curtailment claim.9