Certificate of Insurance Standard - Adrian Flux

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12. Any costs for normal day to day living such as food and drink which you would have expected to payduring your trip (except as provided for under subsections 6. and 7. of What is covered where youhave to move to other accommodation or stay longer outside of your home area).To make a claim under this section please call:For curtailment and/or repatriation claims +44 (0)845 303 8580 or other claims 0845 850 519313. Any unused travel costs arising from the insolvency of your transport provider.14. For subsection 4. only of What is covered, your disinclination to travel or make or attempt to makealternative arrangements to reach your destination where reasonable alternative travel facilities wereavailable and no severe weather warnings for the area concerned or notices of road closures on yourplanned route had been issued.15. Any cost if your trip was booked as part of a package holiday except under:a) subsections 3 and 8 of What is covered; orb) subsections 1 and 7 of What is covered for any cost relating to pre-paid charges which do not formpart of your package holiday; orc) subsections 1, 2, 4, and 5 of What is covered if you failed to reach your overseas destination tocommence the package holiday due to an event covered under this section and because of thisyou were not entitled to claim compensation, assistance or reimbursement of any costs, chargesand expenses incurred by you from the tour operator .16. Anything mentioned in the General exclusions applicable to all sections of the certificate.Claims evidenceWe will require the following evidence where relevant:• A copy of the advice against all travel or all but essential travel issued by the Foreign & Commonwealthoffice (FCO).• Booking confirmation together with a cancellation invoice from your travel agent, tour operator, providerof transport/accommodation (or their booking agents).• A letter from the public transport provider detailing the reasons for failure.• A letter from the relevant public transport provider, carrier or authority confirming details of the strikeor industrial action.• In the case of adverse weather conditions a report from the Met Office, public transport provider,carrier or authority, relevant highway agency, local authority, local radio station or newspaper confirmingdetails of the adverse weather conditions and if road closures on your planned route were made and/orred or amber severe weather warnings issued for the area concerned.• In the case of curtailment claims, written details from your travel agent, tour operator, provider oftransport/accommodation (or their booking agents) of the separate costs of transport, accommodation,Air Passenger Duty (APD), taxes, duties, surcharges and other pre-paid costs or charges that made upthe total cost of the trip.• Your unused travel tickets.• Written confirmation from your public transport operator (or their handling agents) of the cancellation,number of hours delay or denied boarding and the reason for these together with confirmation of yourcheck in times and details of any alternative transport offered.• Written confirmation from the company providing the accommodation or their booking agents (orthe administrators of either), the local police or relevant authority that you could not use youraccommodation and the reason for this.• Receipts or bills for any transport, accommodation or other costs, charges or expenses claimed for.• Written confirmation from the provider of transport/accommodation or your tour operator thatcompensation, assistance or reimbursement of any costs, charges and expenses incurred by you willnot be provided and the reason for this.• Any other relevant information that we may ask you for.
Section U – Golf cover(only operative if indicated in the certificate validation document)This extension to the certificate provides the following modifications to theinsurance specifically in respect of any golfing trips taken by you:Loss of green feesWhat is coveredIn addition to the cover provided under Section A – Cancellation or curtailment charges, we will pay you upto £75 per day, up to a maximum of £300 for any irrecoverable unused green fees which you have paid orare contracted to pay ifa) cancellation of the trip is necessary and unavoidable orb) the trip is curtailed before completionas a result of any of the events detailed under What is covered in Section A - Cancellation or curtailmentcharges occurring.You may claim only under one of either Section U – Golf cover or Section A - Cancellation or curtailmentcharges for the same event, not both.Golf equipment coverWhat is coveredIn addition to the cover provided under Section E – Baggage, we will pay you upto the amounts shown below:1. £1,000 for the accidental loss of, theft of or damage to golf equipment.The amount payable will be the value at today’s prices less a deduction for wear, tear and depreciation (lossof value), or we may at our option replace, reinstate or repair the lost or damaged golf equipment.2. £300 for the emergency replacement of golf equipment if your golf equipment is temporarilylost in transit during the outward journey and not returned to you within 12 hours, as long as wereceive written confirmation from the carrier, confirming the number of hours the golf equipmentwas delayed.If the loss is permanent we will deduct the amount paid from the final amount to be paid under this section.3. £25 per day, up to a maximum of £200 for the reasonable cost of hiring replacement golf equipmentas a result of the accidental loss of, theft of or damage to or temporary loss in transit during theoutward journey for more than 24 hours of your own golf equipment, as long as we receive writtenconfirmation from the carrier, confirming the number of hours the golf equipment was delayed.Liability for golf buggies whilst in useWhat is coveredIn addition to the cover provided under Section G – Personal liability, we will pay you up to £2,000,000(including legal costs and expenses) against any amount you become legally liable to pay as compensationfor any claim or series of claims arising from any one event or source of original cause in respect ofaccidental:1. Bodily injury, death, illness or disease to any person who is not in your employment or who is not aclose relative or member of your household2. Loss of or damage to property that does not belong to and is neither in the charge of or under thecontrol of you,a close relative, anyone in your employment or any member of your householdarising from your ownership possession or use of a golf buggy.Special conditions relating to claims1. You must get (at your own expense) a medical certificate from a medical practitioner and the priorapproval of AXA Assistance to confirm the necessity to return home prior to curtailment of the trip dueto death, bodily injury, illness or disease.2. If you fail to notify the travel agent, tour operator or golf club as soon as you find out it is necessaryto cancel the trip the amount we will pay will be limited to the cancellation charges that would haveotherwise applied.3. If you cancel the trip due to:a) stress, anxiety, depression or any other mental or nervous disorder that you are suffering from youmust provide (at your own expense) a medical certificate from either a registered mental healthprofessional if you are under the care of a Community Mental Health Team or if not, a consultantspecialising in the relevant field orb) any other bodily injury, illness, disease or complications arising as a direct result of pregnancy,you must provide (at your own expense) a medical certificate from a medical practitionerstating that this necessarily and reasonably prevented you from travelling. We need the medicalcertificate completed as soon as you find out it is necessary to cancel the trip, as any delay in seeinga medical practitioner could mean that your symptoms are no longer present. If you cannot get animmediate appointment, please make one for as early as possible and keep all details of this to helpsubstantiate your claim.4. You must report to the local Police in the country where the incident occurred within 24 hours ofdiscovery or as soon as possible after that and get (at your own expense) a written report of the loss,theft or attempted theft of all golf equipment.5. If golf equipment is lost, stolen or damaged while in the care of a carrier, transport company, authority,hotel or your accommodation provider you must report to them, in writing, details of the loss, theftor damage and get (at your own expense) written confirmation. If golf equipment is lost, stolen ordamaged whilst in the care of an airline you must:a) get a Property Irregularity Report from the airline.b) give formal written notice of the claim to the airline within the time limit contained in their conditionsof carriage (please retain a copy).c) keep all travel tickets and tags for submission to us if you are going to make a claim under thiscertificate.6. You must keep receipts for items lost, stolen or damaged as these will help you to substantiate yourclaim.7. You must give us written notice of any incident, which may give rise to a claim as soon as possible.8. You must send us every writ, summons, letter of claim or other document as soon as you receive it.9. You must not admit any liability or pay, offer to pay, promise to pay or negotiate any claim without ourpermission in writing.10. We will be entitled to take over and carry out in your name the defence of any claims for indemnityor damages or otherwise against any third party. We shall have full discretion in the conduct of anynegotiation or proceedings or in the settlement of any claim and you shall give us all necessaryinformation and assistance which we may require.
Page 4 and 5: We/Us/Our- means AXA Insurance UK p
Page 6 and 7: Sports and activities coveredThe fo
Page 8 and 9: What is not covered1. The first £5
Page 10 and 11: ii) as a result of a tropical disea
Page 12 and 13: 4. You must keep receipts for items
Page 14 and 15: Section J - Legal expenses and assi
Page 16 and 17: What is not covered1. Loss, theft o
Page 18 and 19: Complaints procedureMaking yourself
Page 20 and 21: Claims evidenceWe will require (at
Page 22 and 23: Section S - Wedding/Civil partnersh
Page 24 and 25: Section T - Travel disruption cover
Page 28 and 29: 11. If you die, your legal represen
Page 30 and 31: IMPORTANT POLICY INFORMATIONAll pot
Page 32 and 33: POLICY CONDITIONSg) in respect of t
Page 34: LawThis policy shall be governed by

Certificate of Insurance Standard - Adrian Flux

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