Travel Insurance Long Trip Cover Your Travel ... - Post Office

Travel insurance – Fair and easyThank you for choosing Post Office ® Travel InsuranceThe enclosed policy will outline everything you need toknow about your cover. Have a read and make sure you’recompletely happy. If you have any problems or questionsplease don’t hesitate to call us on any of the numbers below:Traveller’s tipsSome watch-outs for when you’re abroad• Only drink bottled water; otherwise, make sure you boil water or usepurification tablets before drinking.• Ensure all food is freshly prepared and thoroughly cooked.• Remember to protect yourself and any children from the sun’s rays.• Check your passports and visas before you leave to make sure they’re up-to-date.Take me with youPlease tear out the cards below and take themwith you on holiday. Fill out the importantinformation and pop them in your wallet or purseto help your holiday run as smoothly as possible.Emergencymedical assistanceSome friendly peopleto call for help and adviceTo makea claimMedicalscreeningEmergencyMedicalAssistanceTo talkabout yourpolicyCall 0845 602 5279There are more details onhow to claim on page 28.Call 0845 602 5275Read pages 3 & 4for information aboutthis service.Call anytime on+(44) 23 8064 4633Page 4 goes intomore detail.Call free on0800 169 9999If you have anyqueries about yourcover call us on0800 169 9999• In the unfortunate case of theft or loss of property, call the police within24 hours and get a report from them.• Keep all receipts for any medical treatments you receive– you WILL need them to make a claim.For complete peace of mind wherever you are in the world, you’ll be only a phonecall away from multi-lingual emergency medical assistance. Just write your policynumber on the card opposite and keep it safely with you at all times. Enjoy your trip.Relax, we’re hereshould you need us.Have a great holiday!+(44) 23 8064 4633Assistance InternationalAsk someone at home to transfer moneyat a Post Office ® branch * .Within 10 minutes ** , you can collect it from anyoutlet, worldwide, displaying the MoneyGram ®sign.• Ring us on 0800 783 3221 to find your localMoneyGram ® agent.• Ask the sender for your security numberand give it to the agent.• Show ID if necessary and collect your money.* A MoneyGram ® fee will be charged for this service. MoneyGram ® exchange rates apply.** Subject to time difference and banking hours.2 31

Health DeclarationPost Office ® Travel Insurance contains health restrictions.You must read the following important information.Medical ExclusionsIf, at the time of purchasing this policy, the following criteria apply to you or anyone insured under this policy, youwill not be covered for any claim arising directly or indirectly from that medical condition.Medical Exclusions CriteriaABCDAnyone who is waiting for an operation, post operative check-up, any other hospital treatment or any medical investigations, tests or test resultsAnyone who is waiting for a consultation with a hospital doctor (other than your GP) for any medicalcondition or set of symptoms, other than for regular check-ups for a stable conditionAnyone who has been given a terminal prognosis by a doctorAnyone who is travelling against the advice of a doctor, or in order to obtain medical advice or treatment abroadHealth QuestionsIf anyone insured under this policy answers ‘Yes’ to any of the following questions when this insurance is purchased, or when booking a trip, this policy will not cover any claim arising directly or indirectly fromthat condition, unless we have agreed in writing to cover it. To see if we can provide cover for your existingcondition(s) you must phone the Post Office ® Medical Screening Line on 0845 602 5275. You may have to pay an extra premium to include cover for your medical conditions:Questions1Has anyone been admitted to hospital overnight or treated as a day-patient in the last 12 months?YesNo2Has anyone ever been diagnosed with or received treatment for any heart/cardiacproblem, stroke, TIA, or circulatory condition (including high blood pressure, unlessstable and controlled by no more than one prescribed medication)?YesNo3Does anyone have a breathing condition for which they take more than two prescribed medications, or which has ever required the use of supplementary oxygen or the use of a nebuliser?YesNo4Has any insured person with a breathing or circulatory condition had their medication changed in the last 6 months?YesNo5Has any insured person been diagnosed with or had any treatment in the last 5 years for any type of cancer, leukaemia or brain tumour?YesNo6Has any insured person ever had an organ transplant, been on kidney dialysis, had diabetes, dementia or any other psychiatric or psychological illness?YesNo3

Health Declaration continuedFor a close relative, business associate or travel companionwho is not insured but whose health may affect the tripIf, at the time of taking out this insurance (or booking the trip if this was later) your close relative, business associate or travel companion had a medical condition for which he or she:• was receiving treatment at hospital (other than where they go to hospital for check-ups for a stable condition, at regular intervals which have been arranged beforehand)• was waiting for a hospital consultation, investigations or treatment (other than where they go to hospital for check-ups for a stable condition, at regular intervals which have been arranged beforehand)• had been given a terminal prognosis, or been told that their condition is likely to get worse in the next 12 months.We will not pay for any claim you (or any insured person) make, that has anything to do with the medical condition of that close relative, business associate or travel companion.24 Hour Worldwide EmergencyMedical Assistance(This service is only for emergencies)Assistance InternationalIf you need help in a medical emergency, please call: +(44) 23 8064 4633. We may record or monitor calls for training purposes or to improve the quality of our service. When you contact Assistance International let us know you have a Post Office ® policy. We will need some contact details for you so that we can keep in touch. Please try to have these and other useful information to hand.Getting you homeIf you are too ill to return home using your return travel tickets, Assistance International can arrange other travelfor you. In special circumstances, they will arrange a road or air ambulance. Before you travel, the doctors lookingafter you must provide a certificate confirming that it is medically necessary for you to return home and that you are fit to travel. The conditions of Section 5 – Medical Emergency and Associated Expenses and Condition 5 of the General Conditions applying to all Sections also apply to the service provided by Assistance International.Please contact us as soon as possible if:• you are likely to be in hospital for more than 48 hours• you may need to return home early• you do not have the funds to cover your medical costs(it may be more convenient for you to pay smaller costs and claim afterwards).Table of BenefitsSection Cover Limit of Cover up to Excess1 Cancellation and Curtailment £5,0002Delayed Departure £20 for first 8 hours £20 for each 12 hour period thereafter Abandonment after 12 hours£300£5,000£50*(£10 deposit loss)No Excess£50*3 Missed Departure £1,000 No Excess4 Hijack £1,000 No Excess5Medical, Emergency and Associated Expenses(Cover when in UK limited to £10,000 as a maximum)£10,000,000 £125*6 Hospital Benefit £800 No Excess789Personal AccidentDeathLoss of sight/limbsPermanent total disablementPersonal BelongingsSingle article limitValuables limitDelayed baggagePersonal Money and DocumentsCash£30,000£15,000£25,000£30,000£1,500£300£300£250£500£250No Excess£50*£50*10 Loss of Passport £250 £50*11 Personal Liability £2,000,000 No Excess12 Legal Expenses £25,000 No Excess13 Legal Consultation £100 No Excess14 Catastrophe £500 No Excess15 Homecare £250 No Excess16 Scheduled Airline Failure £1,500 No Excess17Mugging£50 for each 24 hour period£1,000 No ExcessSection Optional Winter Sports Cover Limit of Cover up to Excess18 Winter Sports Equipment £700 £50*19 Ski Hire £300 No Excess20 Ski Pack £250 No Excess21 Piste Closure £300 No Excess22 Avalanche and Landslide £150 No Excess*The maximum excess you and your family will pay in respect of any one event claimed for is £100 apart from Section 5 – Medical, Emergency andAssociated Expenses where the maximum is £250.Please note that the cover limits shown under each section of the policy are the maximum amounts you can claimunder that section for the whole duration of the period of insurance.4 5

Contract of InsuranceContentsMedical Exclusions ..............................................................3Health Questions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 3Emergency Medical Assistance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4Part A – Important Information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7Part B – Definitions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11Part C – Your Cover . ............................................................13Section 1 – Cancellation and Curtailment.....................................................13Section 2 – Delayed Departure . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .14Section 3 – Missed Departure . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .15Section 4 – Hijack .......................................................................15Section 5 – Medical Emergency and Associated Expenses . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .15Section 6 – Hospital Benefit ...............................................................16Section 7 – Personal Accident . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .16Section 8 – Personal Belongings . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .18Section 9 – Personal Money and Documents . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .19Section 10 – Loss of Passport . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .19Section 11 – Personal Liability .............................................................19Section 12 – Legal Expenses ..............................................................20Section 13 – Legal Consultation ............................................................22Section 14 – Catastrophe Cover ............................................................22Section 15 – Homecare . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .22Section 16 – Scheduled Airline Failure .......................................................22Section 17 – Mugging....................................................................23Part D – Optional Winter Sports Cover . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 23Section 18 – Winter Sports Equipment ......................................................23Section 19 – Ski Hire . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .23Section 20 – Ski Pack. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .24Section 21 – Piste Closure ................................................................24Section 22 – Avalanche and Landslide .......................................................24Part E – General Conditions and Exclusions . ..........................................24Part F – Complaints Procedure . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 27Part G - Claims Procedure . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 28Part H - Other information .......................................................28Post Office ® Travel Advice Helpline ..................................................29Part A – Important InformationThis policy has been arranged by Aon Limited for thePost Office ® and is underwritten by Ageas InsuranceLimited apart from Section 12 – Legal Expenses,which is underwritten by DAS Legal ExpensesInsurance Company Ltd. We are required to tell yousome important features of your policy including:Policy Wording BookletThis policy wording booklet gives you full details of the cover and the conditions you must satisfy to ensure you are fully covered. Please read this carefully,especially the Declaration on pages 3 and 4. Call us on 0800 169 9999 if you need any further help and advice.Conditions and ExclusionsThere are conditions and exclusions which applyto individual Sections of the policy and generalexclusions which apply to the whole policy – see pages 24 to 28.EligibilityTo be eligible for this insurance:• you must be a full United Kingdom resident and;• have a United Kingdom home address and;• your trip must start and finish in the United Kingdom.Age LimitYou must be under 65 years of age on the date ofpurchasing the policy.Maximum Trip DurationThe maximum trip duration is 12 months. The maximumtrip duration you have purchased cover for will be shownon your policy schedule. Your policy schedule will alsoshow you when your cover starts and finishes.Limit of CoverEach Section of the policy shows the most you canclaim, but other limits may apply. For example, under thePersonal Belongings Section the overall cover is £1,500but there is a lower limit for valuables of £300 for anyone item. Please note that the cover limits shown undereach section of the policy are the maximum amountsyou can claim under that section for the whole durationof the period of insurance. Please check your policycarefully to ensure you have adequate cover.Looking After Your BelongingsYou should take all reasonable care to protect your belongings and act as if you are not insured. If you do not do this we may not pay your claim.Cancellation RightsYou can cancel this policy within 14 days from thedate you receive the policy wording booklet and policyschedule. We will then refund your premium in full.No refund of premium is available after the 14-dayperiod. If you have any questions on this matter orwish to cancel your policy please contact Post Office ®Travel Insurance on 0800 169 9999.UK TripsCover for United Kingdom will be applicableonly where a minimum of two nights’ payableaccommodation has been pre-booked for your trip.Excesses/Reduced Medical ExcessUnder some Sections of the policy, claims will be subjectto an excess. This means that each insured personwill be responsible for the first part of their claim foreach event. We will not pay the first £125 for any loss,charge or expense incurred in respect of each claimunder Section 5 - Medical Emergency and AssociatedExpenses unless you have paid an additional premiumto reduce the excess to £50. Your policy schedule willconfirm if you have selected this reduced excess option.The maximum excess you and your family will pay inrespect of any one event claimed for is £100 apartfrom Section 5 – Medical, Emergency and AssociatedExpenses where the maximum is £250.6 7

Contract of InsuranceComplaintsThis policy contains a complaints procedure, whichtells you what steps you can take if you wish to makea complaint – see page 27.Making a ClaimTo help us deal quickly and efficiently with your claim,please read the claims procedure in Part G and theGeneral Conditions and Exclusions on pages 24 to 28.This tells you what documents you will need to supportyour claim. Some documents may be needed to supportyour claim; for example, for certain claims, a policereport must be obtained while you are on your trip.Medical EmergencyIf you need assistance in the event of a medical emergency,please contact Assistance International immediately (seepage 4). Please read Section 5 – Medical Emergency andAssociated Expenses on page 15 of this policy for details.Pregnancy and ChildbirthThis policy has been designed to cover most eventswhich may happen during your trip, but we cannotcover all expenses and possibilities. Under Section5 – Medical Emergency and Associated Expenses weprovide cover for necessary and reasonable expensescaused by your illness, injury or death commencingduring the period of insurance. We do not considerpregnancy or childbirth to be an illness or injury.However, we only provide cover under Sections 1,5, 6 & 7 – Cancellation and Curtailment, MedicalEmergency and Associated Expenses, Hospital Benefitand Personal Accident of this policy, for claims thatarise from complications of pregnancy and childbirth.Reciprocal Health AgreementIf you are travelling to a European Union Country youshould apply for a European Health Insurance Card(EHIC) available from your local Post Office ® branchor by visiting www.dh.gov.uk/travellers to apply online.The EHIC allows you to receive free or reduced costemergency medical care in most European countriesfrom the equivalent of the National Health Servicein the country you are visiting. If you make use ofthese arrangements or any other worldwide reciprocalhealth arrangement and your claim under the MedicalEmergency and Associated Expenses Section is reduced,you will not have to pay any excess under this Section.Geographical Areas(applicable when selecting thecorrect policy type for your destination)Area 1 Europe – all European countries includingEire (Republic of Ireland), Russia (west of the UralMountains), islands in the Mediterranean, the Azores,the Canary Islands, Madeira, Iceland, Turkey, Israel,Egypt, Tunisia, Algeria and Morocco.Area 2 Worldwide – including all destinations notcovered by Area 1 but excluding any cover for the USA, Canada or the Caribbean.Area 3 Worldwide – including all destinations notcovered by Areas 1 and 2, inclusive of the USA,Canada and the Caribbean.StopoversYou will be covered on this policy for in-transitstopovers to a higher rated geographical area, aslong as the number of days spent within those higherrated areas does not exceed 7 days during the periodof insurance.Home visitsYou will be allowed to make a single return trip tothe United Kingdom with a maximum duration of 14days during the period of insurance (excluding anyreturn trip for which a claim is being made as a resultof medical emergency, repatriation or curtailment).All cover ends on clearance of customs in your homecountry and starts again after the baggage check inat your international departure point for your returnflight, international train or ferry to your overseasdestination. All cover stops if you have made a claim orintend to make a claim under the curtailment section.There is no cover available for any flight costs wherethe return is for a reason you are not insured for.Foreign and Commonwealth Office AdviceNo cover is provided for claims resulting from youtravelling to a specific country or to an area wherethe Foreign and Commonwealth Office have advisedagainst all but essential travel.Policy InformationIf you require information or advice on any aspect of this policy please contact us on 0800 169 9999.Sports and ActivitiesThe following list details the sports and activities that this policy will cover as standard for no extra charge:• Abseiling - professionally organised & supervised• Aerial safaris - in chartered aircraft & an organised excursion• Angling• Archery - properly supervised• Badminton• Banana Boat• Baseball - non professional• Basketball - non professional• Body boarding• Bowls• Bungee jumping• Camel riding - not racing• Canoeing/Rafting/White water rafting - up to category 2• Catamaran sailing - up to 12 miles from coast only *• Cave tours - when accompanied by a qualified guide• Clay pigeon shooting - organised event• Cross-country running• Curling• Cycling - transport only, excludes mountain biking• Deep sea fishing - game fishing• Dinghy sailing - up to 12 miles from coast only *• Dolphin swimming - professional organised tours only• Driving a car, van,lorry - excludes professional drivers *• Driving or riding on a motorcycle or moped• Dry slope skiing• Elephant riding - professional organised tours only• Fell running• Fell walking - no picks or ropes• Fencing - amateur only• Fishing• Football - not professional, semi-professional or major competition or tournament• Gliding - not piloting & subject to flying withqualified pilot• Go-karting - up to 120cc *• Golf• Gorilla trekking• Gymnastics• Hiking/Walking/There is no cover under Section 11 - Personal liability for those sports or activities marked with*Trekking - no ropes or equipment & on recognised routes• Horse riding - excluding jumping, hunting & competition• Hot air ballooning - licensed operation only, not piloting• Ice skating on ice - rink• Indoor climbing - at a properly organised activity centre• Jet boating(as a passenger only)• Jet skiing *• Kite boarding - not racing (no cover for kite damage)• Kite buggying - not racing (no cover for kite damage)• Kite surfing - not racing (no cover for kite damage)• Land skiing• Lapland trips - skidooing, husky dog sledge andreindeer sledge (all as a passenger only)• Marathon running - not professional• Motorcycling - not racing or competing *• Netball - not professional or semi-professional• Non competitiverunning - not exceeding 26.4 miles• Orienteering• Paint balling - war games• Paragliding/Parascending over water - only whenattached to a speedboat• Passenger sledge• Pony trekking• Powerbykes - up to 15mph *• Quad biking - only if wearing a helmet andprotective clothing and in a controlled environment,up to 125cc, not racing or competing *• Racket ball• Rambling• Rifle range *• Ringos• River bugging• River sledding• Roller skating/blading/hockey - incidental• Rounders• Rowing• Safaris without guns - professional organisedtours only8 9

Contract of Insurance• Sail boarding• Sailing - coastal waters only - up to 12 miles from coast *• Sand dune surfing• Scuba-diving - to a depth of 30 metres & only ifaccompanied by a qualified diver or if you are qualified• Shark diving in a cage under water - professionallysupervised• Shooting - range only (must be adequately supervised * )• Skateboarding• Skin diving - see scuba diving• Sledding• Small bore target shooting *• Snorkelling• Summer tobogganing• Surfing• Swimming• Table tennis• Ten pin bowling• Trekking• Tug-of-war• Volleyball• Wake boarding• Water polo• Waterskiing• Wilderness walking - organised tour (recognised routes)• Windsurfing• Yachting - coastal waters only - up to 12 miles from coast *• Zorbing.Winter Sports and ActivitiesThe following list details the winter sports andactivities that this policy will cover if you have chosento include Winter Sports cover and paid the additionalpremium and your Policy Schedule shows that WinterSports cover is included.• Cross-country skiing• Curling• Dog sledding• Downhill skiing• Glacier walking• Heli-skiing• Ice skating• Mogul skiing• Mono skiing• Skiing on- or off-piste (off-piste only with a qualified guide or instructor)• Snowboarding on- or off-piste (off-piste only with a qualified guide or instructor)• Snowmobiling *• Speed skating• Tobogganing.Hazardous Sports and ActivitiesThe following list details the hazardous sports andactivities that this policy will cover if you have paid the additional premium and your Policy Schedule showsthat these are included under Hazardous Activities. Youwill need to call us on 0800 169 9999 to arrange coverfor any activity listed and to pay the additional premium.• Athletics - non-professional• Australian Rules Football - non-professional• Biathlon - not professional or semi-professional• Canoeing/Rafting - above category 2• Cattle driving• Cricket - not professional or semi-professional• Cycle racing• Endurance tests - triathlon• Gymkhana - professionally organised tours• Heptathlon• High diving - pool only• Hockey• Hurling• Lacrosse• Mountain biking• Pelota• Pentathlon - not professional or semi-professional• Pot holing• Rugby• Scuba diving - to a depth of 30-40 metres• Sea kayaking - coastal waters only - up to12 miles from the coast• Shinty• Squash• Team building• Trampolining• Triathlon - not professional or semi-professional• Weightlifting.There is no cover for any insured person participatingin any professional or semi-professional activities,competitive events or tournaments.If you intend to undertake any activity not listed in thepolicy that may be considered hazardous or you requireconfirmation of whether your activity is insured, please call uson 0800 169 9999. We may be able to cover your activity asstandard, or in some cases for an additional premium.Part B – DefinitionsWherever the following words appear in the policythey will have the following meanings:Accident/AccidentalA sudden event, which happens by chance after thestart date of the policy and results in your bodily injury.Acts of TerrorismAn act, including but not limited to the use or threatof force or violence, by any person or group, whetheracting alone or on behalf of or in connection with anyorganisation(s) or government(s), committed for political,religious, ideological or ethnic purposes or reasons,including the intention to influence any government and/or to cause fear to the public, or any section of the public.Bodily InjuryInjury to your body which is caused solely by violent,accidental, external and visible means. This does notinclude any sickness, disease or naturally occurringcondition, or gradually operating or degenerative process.Booked Scheduled TransportThe following regular scheduled forms of transport:Train, Coach, Bus, Aircraft or Sea Vessel which run to atimetable and where you are a fare-paying passenger,and pre-booked Taxis.Close RelativeYour mother, father, sister, brother, wife, husband,fiancé(e), partner, daughter, son, grandparent, grandchild,parent-in-law, son-in-law, daughter-in-law, sister-inlaw,brother-in-law, step-parent, step-child, stepsister,stepbrother, aunt, uncle, cousin, nephew, niece.Business AssociateAnyone who works at your place of business and who,if you were both away from work at the same time,would prevent the business from running properly.Curtailment / Cutting short your tripYour early return to home before the scheduledreturn date.FamilyLone parents or two adults who are married orliving together as married and an unlimited numberof dependent children (including sons, daughters,grandchildren, nieces or nephews of those taking outlone parent or family cover) under the age of 18.Hazardous Sports and ActivitiesAn activity which may increase the risk of injury or liability for an insured person or persons. (Please see page 10).HomeYour permanent private residential address in the United Kingdom.Manual WorkAny work that involves working at heights of more than2 metres and/or the use of physical labour, includingbut not limited to construction, installation, assembly,building work and any work involving the use of heavymachinery or specialist equipment. This does notinclude bar and restaurant staff, musicians and singers,and fruit pickers (who do not use machinery).Period of InsuranceThe period you are covered for. The time that coverfor particular Sections starts and ends is given inmore detail below.• Cancellation cover starts at the date and time of issuerecorded as part of your application and as shown onyour policy confirmation, and ends when you leavehome for your initial departure from the UK.• All other cover begins when you leave home to go onyour trip and lasts until you arrive home, as long as thatis within the period of insurance paid for. The maximumduration of any trip is 365 days. The insurance is onlyvalid if you have insured the whole duration of your trip.There is no cover under Section 11 - Personal liability for those sports or activities marked with*10 11

Contract of Insurance• All cover ends when you return home if we paya claim for the curtailment of your trip, or if werepatriate you home.• If you have paid the appropriate premium toinclude winter sports your policy schedule will showthat you have this cover and the period of coverprovided. The maximum period of cover providedfor winter sports is 14 or 28 days in total during theperiod of insurance depending on the number ofdays cover you have paid for. Cover is provided formore than one winter sports trip provided you donot exceed the total number of days paid for.• We will extend the period of insurance by up to 30 days, at no extra cost, if you have to stay on yourtrip longer because of events which you have nocontrol over. If the transport you are on is hijacked,we will automatically provide worldwide cover. Theperiod of insurance will continue for up to 12 months without extra charge.Personal BelongingsPersonal effects owned by you and taken, worn or purchased on the trip.Personal Money and DocumentsCash (coins and notes), travellers’ cheques, postal and money orders, travel or admission tickets,coupons or vouchers which have a monetary value– passports, visas and green cards you have for yourprivate use on the trip.Complication of Pregnancy and ChildbirthToxaemia (toxins in the blood), Gestational hypertension(high blood pressure arising as a result of pregnancy),Pre-eclampsia (where you develop high blood pressure,carry abnormal fluid and have protein in your urineduring the second half of pregnancy), Ectopic pregnancy(a pregnancy that develops outside of the uterus), Molarpregnancy or hydatidiform mole (a pregnancy in which atumour develops from the placental tissue), Post-partumhaemorrhage (excessive bleeding following childbirth),Retained placenta membrane (part or all of the placentais left behind in the uterus after delivery), Placentalabruption (part or all of the placenta separates from thewall of the uterus), Hyperemesis gravidarum (excessivevomiting as a result of pregnancy), Placenta praevia(when the placenta is in the lower part of the uterus andcovers part or all of the cervix), Stillbirth, Miscarriage,Emergency Caesarean section, A termination needed formedical reasons, Premature birth more than 8 weeks(or 16 weeks if you know you are having more than onebaby) before the expected delivery date.TripAny return journey that starts and finishes from your homeor place of business in the United Kingdom and which lasts,or is scheduled to last, for no more than 365 days (or asstated on your policy schedule or policy endorsement).United Kingdom(for the purpose of determining where your tripshould begin and end)Great Britain, Northern Ireland, the Isle of Man and the Channel Islands.ValuablesJewellery; gold; silver; precious metal or precious stonearticles; watches; furs; radios; binoculars; telescopes;audio; photographic; video; computer; television andtelecommunication equipment; computer games;portable navigation equipment; pre-recorded films;tapes; cassettes; compact or computer discs andcartridges; sports equipment.We/Us/OurThe Insurers, Ageas Insurance Limited and DAS LegalExpenses Insurance Company Ltd for Section 12.Ageas Insurance Limited and DAS Legal ExpensesInsurance Company Ltd are authorised and regulatedby the Financial Services Authority.You/YourAny insured person whose name appears on the policy schedule.Part C – Cover and Conditionsfor Each Insured PersonSection 1 – Cancellation and Curtailment1. We will pay you up to £5,000 for unused travel andaccommodation charges (including unused kennel andcattery expenses up to £250) which are not recoverableelsewhere and which you have paid or contracted topay should you have to cancel your trip before youleave your home or place of business as a result of thefollowing commencing during the period of insurance:(a) Your death, injury or illness or that of yourtravelling companion (not including a tourleader or someone you have paid to provide anypart of your trip), the person you are going tostay with, a close relative or business associate.(b) You or your travelling companion being required bythe police to stay at home as a result of burglary,or serious damage by fire, explosion, subsidence,storm flooding, vandalism, fallen tree or impact byaircraft or vehicle to your or their home or usualplace of business in the United Kingdom.(c) You or your travelling companion being requiredfor jury service or as a witness in a court of lawin the United Kingdom.(d) You being made involuntarily redundant if youare under 65 and have 2 years’ continuousemployment with the same employer.(e) You or your travelling companion havingagreed leave subsequently cancelled by theemergency services or armed forces, foroperational reasons. This cover does not applyto cancellation of leave due to war, invasion, actsof terrorism, hostilities (whether war be declaredor not), civil unrest, revolution, rebellion, act offoreign enemy or any similar event.2. We will pay you up to £5,000 for expenseswhich you have paid or legally have to pay fortravel (including pre-paid excursion fees) andaccommodation which you do not use if you cut short your trip as a result of:(a) Your death, injury or illness or that of yourtravelling companion, the person you are going to stay with, a close relative or business associate.(b) You or your travelling companion being required bythe police to stay at home as a result of burglary,or serious damage by fire, explosion, subsidence,storm flooding, vandalism, fallen tree or impact byaircraft or vehicle to your or their home or usualplace of business in the United Kingdom.(c) You becoming injured or ill and being admittedto hospital for the rest of your trip.As well as the general conditions and exclusions on pages24 to 28 the following conditions and exclusions apply.Cancellation and Curtailment Exclusions1. You are not covered for claims caused directly orindirectly from the following:(a) Any circumstances you were aware of at the timethis insurance was purchased, or at the time ofbooking your trip, which later led to your trip beingcancelled or cut short, unless we agreed in writing,before the trip, to cover it.(b) Booking and/or travelling against the advice of a doctor.(c) Your disinclination to travel.(d) You not having the correct passport, visa orother entry documents.(e) Your decision not to go or continue with the trip for reasons other than those listed above.(f) Your suicide, attempted suicide, intentional selfinjuryor deliberate exposure to danger (unlessin an attempt to save someone’s life).(g) You being under the influence of alcohol, solventsor drugs (except drugs prescribed by a doctorother than for the treatment of drug abuse).(h) You taking part in manual work in connection with a profession, business or trade.(Curtailment only).(i) Your pregnancy or childbirth, unless a doctor/qualified medical practitioner confirms that theclaim comes from complications of pregnancy orchildbirth. If you become pregnant after we havesold you this policy, and you will be more than 32weeks pregnant at the start of, or during, yourtrip and you still choose to travel, you may notclaim for cutting short your trip unless as a resultof the complications of pregnancy or childbirth.12 13

Contract of Insurance2. If you are travelling within the United Kingdom wewill pay you up to £10,000 for any necessary andreasonable expenses caused by your illness, injury ordeath occurring during the period of insurance for:(a) Extra travel and accommodation expenses if you are advised by a doctor that such travel or accommodation is necessary.(b) Extra travel and accommodation expenseswhere a doctor has advised it is necessary for one person to stay with you or to travel to be with you if you are seriously ill or injured.(c) The extra cost of bringing your body or ashes home.(d) Extra expenses necessarily incurred to transferyou by ambulance to a hospital or nursinghome nearer your home.(e) Extra expenses necessarily incurred to recoveryour car and your personal belongings to yourhome if you and no other person travelling withyou at the time of your discharge from hospitalare able to drive the car.Section 6 – Hospital BenefitIf you are travelling outside the United Kingdom wewill pay you up to £800 (£15 for each completed 24 hour period) if you are kept in hospital during the period of insurance as an in-patient. Any amountyou receive under this Section will be in additionto any amount that you receive under the MedicalEmergency and Associated Expenses Section. You mayuse this benefit to help pay for incidental expensesincurred such as telephone calls and taxi fares.A medical certificate must be obtained from the treatingdoctor showing the period of admission to hospital.Section 7 – Personal AccidentIf you sustain accidental bodily injury during theperiod of insurance and the injury results in yourdeath or disability (as listed below) within 12 monthsfrom the date of the accident we will pay you (or yourlegal personal representative(s) in the event of death)the following benefits:1 D e a t h – of a person aged 18 to 70 £15,0002345Death – of a person under the age of 18 or over the age of 70Loss of one or more limbsat or above the wrist or ankle,or permanent loss of sight in oneor both eyesPermanent total disablementwhich means you cannot do anykind of paid work – of a person aged18 to 70 yearsPermanent total disablement – of a person under the age of 18 or over the age of 70£1,000£25,000£30,000£ NilAs well as the general conditions and exclusionson pages 24 to 28, the following exclusions andconditions apply to Sections 5, 6 & 7.Exclusions Applying to Sections 5, 6 & 7 –Medical Emergency and Associated Expenses,Hospital Benefit and Personal Accident1. You are not covered for claims arising directly or indirectly from any of the following:(a) Any circumstances you were aware of at thetime this insurance was bought, or at the timeof booking a trip that would result in the tripbeing cancelled or cut short, unless, before thetrip, we agreed in writing to cover it.(b) Where you have travelled against the adviceof a doctor or in order to obtain medicaltreatment or advice abroad.(c) Any treatment or surgery which our medicaladvisers reasonably believe is not essential or could wait until your return home.(d) Any treatment or surgery or exploratory testswhich are not directly related to the illness or injuryfor which you originally went into hospital (unlessagreed by Assistance International beforehand).(e) Cosmetic or elective surgery.(f) Expenses incurred in obtaining or replacingmedication or obtaining treatment or ongoingregular therapy, which at the time of departureis known to be required or to be continuedwhilst you are away.(g) Any extra costs incurred for a single or privateroom unless medically necessary.(h) Treatment or services provided by a healthspa, convalescent or nursing home or anyrehabilitation centre.(i) Repairs to or the provision of dentures orartificial teeth or any dental work involving the use of precious metals.(j) Any claim arising from motorcycling where youare the driver or passenger unless you or thedriver holds a current and valid licence whichallows you or them to ride a motorcycle andyou are wearing a helmet.(k) Your suicide, attempted suicide, intentionalself-injury or deliberate exposure to danger(unless in an attempt to save someone’s life).(l) You being under the influence of solvents or drugsor their effects (except drugs prescribed by a doctorother than for treatment of drug abuse) or where inthe opinion of the treating doctor excessive alcoholconsumption has caused the injury or illness.(m) Any claim resulting directly or indirectly fromyou participating in any hazardous activity.(n) The cost of medical treatment you receive inthe United Kingdom or the country where younormally live.(o) You taking part in manual work in connectionwith a profession, business or trade.(p) Your pregnancy or childbirth, unless a doctor/qualified medical practitioner confirms that theclaim comes from complications of pregnancyor childbirth.(q) Expenses incurred as a result of a tropicaldisease when you have not had therecommended inoculations and/or taken therecommended medication.(r) Further costs you incur if we wish to bringyou home early but you refuse (where in theopinion of the treating doctor and AssistanceInternational you are fit to travel).2. We will not pay the first £125 for any loss, chargeor expense incurred in respect of each claim underSection 5 - Medical Emergency and AssociatedExpenses unless you have paid an additional premiumto reduce the excess to £50. The maximum excessyou and your family will pay in respect of any oneevent claimed for is £250.Conditions Applying to Sections 5, 6 & 7 –Medical Emergency and Associated Expenses,Hospital Benefit and Personal Accident1. Assistance International must be called immediatelyor as soon as reasonably possible to authorise anyexpenses for medical treatment abroad or if youhave to return home early. If you do not do this we may not pay your claim.2. You must not arrange in-flight medical care foryour return journey without the permission ofAssistance International. Our medical advisers will consult with the doctors treating you to decideif this is reasonably necessary and will make themost appropriate arrangements for you.3. We reserve the right to limit payment to what ourmedical advisers deems to be reasonable and wemay instruct you to return home if our medicaladvisers and the doctors treating you decide onreasonable grounds that you are fit to travel. Ifyou choose instead to remain abroad, our liabilityto pay any further costs under this section afterthat date will be limited to what we would havepaid if your repatriation had taken place.Conditions Applying to Section 7 – Personal Accident1. We will not pay you personal accident benefits formore than one benefit to any one insured personfor injuries caused by one accident.2. If you make a claim, you must allow our medicaladvisers to examine you as often as they need to.(We will pay any costs and your expenses for theseexaminations if we accept your claim.)16 17

Contract of InsuranceSection 8 – Personal BelongingsIf you accidentally lose or damage your personalbelongings or they are stolen, during the period ofinsurance, you can claim up to £1,500 to replace orrepair them (after any suitable deduction for wear and tear and depreciation if applicable).You can claim up to £300 for any one item, pair orset. The overall limit for valuables is £300. If yourpersonal belongings are temporarily lost for morethan 12 hours on the outward journey from theUnited Kingdom we will pay you up to £250 forthe purchase of necessary items. If your baggage ispermanently lost we will deduct any payment madefor temporary loss from the final settlement. Allreceipts must be produced as proof of purchase.You will need to report your loss and obtain proof. Aswell as the general conditions and exclusions on pages24 to 28, the following exclusions apply to Section 8.Personal Belongings Exclusions1. We will not pay for:(a) More than £300 per person in total for valuables.(b) More than £300 per person for any one article,pair or set of articles.(c) More than £250 in total for cigarettes, tobacco and/or alcohol purchased by you during the period ofinsurance and for your own personal consumption.(d) Breakage of or damage to fragile articles (except lenses in cameras, binoculars, telescopes,or spectacles), prosthetics or dentures and anyother loss caused by the breakage.(e) Loss, theft of or damage to valuables which youhave left in baggage checked in by a carrier.(f) Loss or theft of valuables left at any time in an unattended vehicle.(g) Loss or theft of or damage to valuables youare not carrying with you unless you have keptthem in a locked accommodation, a safe or a safety deposit box.(h) Loss or theft of or damage to personalbelongings if they have been left unattendedin a vehicle, unless they are locked out ofsight in the boot of the vehicle or the luggagecompartment of an estate or hatchback andthere is evidence of violent and forcible entry.(i) There is no cover for personal belongings left in a vehicle overnight.(j) Films, cassettes, cartridges or disks other thanfor their value as unused material, unlesspurchased pre-recorded, when we will pay up to the retail list price.(k) Perishable goods, bottles, cartons or any otherloss caused by their breakage.(l) Pedal cycles, wheelchairs, prams, pushchairs or baby buggies other than while they arebeing conveyed by public transport.(m) Contact or corneal lenses.(n) Winter sports equipment (this is covered under Section 18 if the appropriate wintersports premium has been paid).(o) Your personal belongings being delayed, detainedor confiscated by customs or other officials.(p) Your personal belongings being lost or damagedas a result of wear and tear, depreciation invalue, atmospheric conditions, mechanicalfailure or damage caused by moth or vermin orany process of cleaning, repairing or restoring.(q) Breakage of or damage to sports equipmentwhile in use.(r) Claims arising where you fail to exercisereasonable care for the safety and supervisionof your property.(s) Claims where you fail to obtain a written policereport within 24 hours of the discovery in theevent of loss or theft.(t) Claims where you fail to obtain a carrier’sreport or in the case of an airline a ‘PropertyIrregularity Report’ where your property hasbeen lost or damaged in transit.N.B. If you cannot report the loss, theft or damageto the airline straight away, you must do so in writingwithin seven days.2. We will not pay the first £50 for any loss, charge orexpense incurred in respect of each claim under thisSection. The maximum excess you and your family willpay in respect of any one event claimed for is £100.Section 9 – Personal Moneyand DocumentsWe will pay you up to £500 (limited to £250 inrespect of cash) if your personal money is lost orstolen during the period of insurance. Cover underthis Section commences from the time you receiveyour personal money or 72 hours before you leavehome to commence your trip, whichever is later. Youwill need to report your loss and obtain proof. Aswell as the exclusions below, please read the policyconditions and exclusions on pages 24 to 28.Section 10 – Loss of PassportWe will pay you up to £250 for necessary andreasonable extra travel accommodation andcommunication expenses outside of Great Britain,Northern Ireland and the Isle of Man involved ingetting a replacement passport or visa if it is lost or stolen during the period of insurance.You will need to report your loss and obtain proof – please read the policy conditions and exclusions on pages 24 to 28. As well as the general conditions and exclusions on pages 24 to 28, the followingexclusions apply to Sections 9 and 10.Personal Money and Loss of Passport Exclusions1. We will not pay for:(a) More than £250 for loss of cash.(b) Loss of personal money unless it is with you atthe time, in a locked safe or safety deposit boxor locked in the accommodation you are usingon your journey.(c) Loss caused by depreciation in value or shortage caused by error or omission.(d) Loss of travellers’ cheques if you have notcomplied with the issuer’s conditions or wherethe issuer provides a replacement service.(e) Loss or theft of ski lift pass.(f) Your personal money being delayed, detained or confiscated by customs or other officials.(g) Claims arising where you fail to exercisereasonable care for the safety and supervisionof your property.(h) Claims where you fail to obtain a written policereport within 24 hours of the discovery in theevent of loss or theft.(i) Any expenses in connection with loss ofpassport, arising after you have returned tothe United Kingdom.(j) Loss or theft of money which you have left inbaggage checked in by the carrier or left in anunattended vehicle.2. We will not pay the first £50 for any loss, chargeor expense incurred in respect of each claim underSection 9 - Personal Money and Documents andSection 10 - Loss of Passport. The maximumexcess you and your family will pay in respect ofany one event claimed for is £100.Section 11 – Personal Liability(If you are using a motorised or mechanical vehicle,while on your journey you must make sure that youhave the necessary insurance. We do not cover thisunder personal liability.)We will pay up to £2,000,000 in respect of any one occurrence and in total for accidental bodilyinjury to another person or accidental damage tosomeone else’s property occurring during the periodof insurance which you legally have to pay. This coveris only for;• accidental bodily injury to another person who is not your employee, close relative or travelling companion• accidental damage to someone else’s property otherthan the property of your employee, close relativeor your travelling companion.We will also pay for your legal expenses and anyclaimant’s costs payable but we must first give our written consent to this.As well as the general conditions and exclusions on pages 24 to 28, the following exclusions and conditions apply to Section 11.Personal Liability Exclusions1. We will not pay for:(a) Liability caused directly or indirectly by youowning, or the use of, animals (except domesticanimals), firearms (except licensed sportingguns used for recreational purposes only), anyaircraft, motorised vehicle, boat or any otherform of motorised leisure equipment (unlessit is a boat designed for and being used asaccommodation and is permanently moored).18 19

Contract of Insurance(b) Employer’s liability or liability caused by carryingout contracts, supplying goods and services, or you doing your job.Conditions Applying to Personal Liability1. You must send us any writ, court claim form orother legal documents as soon as you receivethem. You must also give us any information andhelp we need to deal with the case and your claim.You must not negotiate, pay, settle, admit or denyany claim without our written agreement.Section 12 – Legal Expenses(If you have to make a claim under this Section,please follow the claims procedure on page 28.)The following definitions only apply to this Section.We, us, ourDate ofoccurrenceRepresentativeLegal costsPeriod ofinsuranceInsuredincidentDAS Legal Expenses InsuranceCompany Limited.The date of occurrence is the dateof the event that leads to a claim.If there is more than one eventarising at different times but fromthe same originating cause, thedate of occurrence is the date ofthe first of these events.The lawyer, or other suitablyqualified person, who we haveappointed to act for you in linewith the conditions of this section.All reasonable and necessary costscharged by the representative ona standard basis, or in accordancewith the predictable costs scheme,if this is appropriate. It also includesthe opponent’s costs in civil cases ifyou have to pay them or if you paythem with our agreement.The period for which we haveagreed to cover you.An event that leads to a claimbeing made under this section of your policy.What you are covered for:Up to £25,000 for all necessary legal costs incurredby the representative following an event which causesthe death of, or bodily injury to, you.This is the most we will pay for all claims resultingfrom one or more events arising at the same time or from the same originating cause.Note:We agree to provide legal expenses cover, keeping to the conditions and exclusions, as long as:1. It is always more likely than not that you willrecover damages (or obtain any other legalremedy which we have agreed to) or make asuccessful defence. Before we pay legal costs forappeals, we must agree that it is always morelikely than not that an appeal will be successful;2. If you use a representative, we will pay the legalcosts for this;3. Any legal proceedings will be dealt with by a courtor other body which we agree to; and4. The date of occurrence of the insured incidentmust be during the period of insurance.What you are NOT covered for:As well as the general conditions and exclusions onpages 24 to 28, the following exclusions apply:1. The failure to notify us of the insured incidentwithin a reasonable time of it happening, andwhere this failure adversely affects the prospectof successfully recovering damages (or getting anyother legal remedy that we have agreed to) or ofmaking a successful defence.2. Any legal costs incurred before we agree to pay them.3. Any claim relating to the following:• Any illness which develops gradually or is notcaused by a specific or sudden accident• You driving a motor vehicle for which you donot have valid motor insurance• Judicial review, coroner’s inquest or fatalaccident inquiry.4. Defending your legal rights (but defending acounter claim is covered.)5. Any disagreement with us that is not in condition17 of this section.6. Any legal action you take which we or therepresentative have not agreed to or where youdo anything that has a negative effect on us orthe representative.7. Any legal action against the travel agent, tour operator,carrier or any of the insurers listed on page 12.8. Fines, penalties, compensation or damages whichyou are ordered to pay by a court or other authority.9. Any legal costs that you have to pay under acontingency fee arrangement (a contingencyfee arrangement is when the lawyer takes apercentage of the damages as the fee).10. Any insured incident intentionally brought about by you.11. Any claim relating to your alleged dishonesty oralleged violent behaviour. Also, any claim that isfraudulent or exaggerated.12. Any claim relating to written or spoken commentswhich damage your reputation.13. An incident or matter arising before the start ofcover under this section.ConditionsAs well as the general conditions on pages 24 to 28,the following conditions apply:1. You must give us full and truthful details by phoneor in writing of any claim as soon as possible andgive us any information we need.2. We can take over and conduct, in your name, anyclaim or legal proceedings at any time. We cannegotiate any claim on your behalf.3. You are free to choose a representative (by sendingus a suitably qualified person’s name and address) if:(a) we agree to start legal proceedings and itbecomes necessary for a lawyer to representyour interests in those proceedings; or(b) there is a conflict of interest.4. In all circumstances (except those in 3 above), we are free to choose a representative.5. Any representative will be appointed by us torepresent you according to our standard terms ofappointment, which may include a ‘no win, no fee’agreement. The representative must co-operatefully with us at all times.6. We will have direct contact with the representative.7. You must co-operate fully with us and therepresentative, and must keep us up to date withthe progress of the claim.8. You must give the representative any instructionsthat we ask for.9. You must tell us if anyone offers to settle the claim.10. If you do not accept a reasonable offer to settle aclaim, we may refuse to pay further legal costs.11. You must not negotiate or agree to settle a claimwithout our written approval.12. We may decide to pay you the amount ofdamages that you are claiming or that is beingclaimed against you instead of starting orcontinuing legal proceedings.13. If we ask, you must tell the representative to havelegal costs taxed, assessed or audited.14. You must take every step to recover any legalcosts that we have to pay and must pay us anylegal costs that you recover.15. If your representative refuses to continue actingfor you with good reason or if you dismiss yourrepresentative without good reason, the cover weprovide will end immediately, unless we agree toappoint another representative.16. If you settle a claim or withdraw it without ouragreement, or do not give suitable instructions toyour representative, the cover we provide will endimmediately and we will be entitled to reclaim anylegal costs we have paid.17. If there is a disagreement about the way wehandle a claim that is not resolved through ourinternal complaints procedure, you can contactthe Financial Ombudsman Service for help.18. We may ask you to get (at your own expense) anopinion from a lawyer, or other suitably qualifiedperson chosen by you and us about whether aclaim or proceedings will be successful. If thechosen person believes that it is more likely thannot you will recover damages (or reach a solutionthat we have agreed to) or make a successfuldefence, we will pay the cost of getting the opinion.19. We will not pay any claim covered under any otherpolicy, or any claim that would have been coveredby any other policy if this policy did not exist.20 21

Contract of InsuranceMessage ForwardingForward up to three emergency messages from withinthe United Kingdom from policyholders abroad tofamily, friends or business associates.Advice with lost luggage, tickets, passports or credit cards.Provide advice and guidance to help you with the following:• Lost luggage – help trace lost personalpossessions if you provide a luggage tag numberand a ‘Property Irregularity Report’.• Lost travel tickets / passports – liaising with therelevant travel organisations and authorities to helpreplace lost or stolen travel documents.• Lost credit or charge cards – provide notificationof the loss of credit or charge cards abroad to therelevant organisations in the United Kingdom. Youwill need to give the Post Office ® travel assistancehelpline your credit or charge card details.30