Important contact details - Grand American Adventures

Important contact details
24-hr Emergency medical assistance:                        Call: UK +44 (0)20 8603 9485
(for medical emergency or curtailment requests)            Email:

Customer services:                                         Call:   UK +44 (0)20 7938 1734                                 TRAVEL INSURANCE
Medical screening service                                  Call:   UK +44 (0)1702 427 237
(to declare a condition or change in your circumstances)
Claims (sections A-F & H):                                 Call: UK +44 (0)1702 553 443

24-hr Legal helpline (section G):                          Call:   UK +44 (0)20 8603 9804

                     This document is available in large print, audio or Braille.
                  Please contact us if you need one of these alternative versions.

                                                                                                     Ref: 7299TVL 01/20

                                                                                                                          PLEASE ENSURE YOU READ THIS DOCUMENT CAREFULLY
                                                                                                                              AND KEEP IT WITH YOU WHEN TRAVELLING.

                                                                      Initial disclosure document
                                                       Page number   The Financial Conduct Authority                                       Settlement terms
                                                                     The Financial Conduct Authority (FCA) is an                           We will be responsible for collecting payment for all
Initial disclosure document                               1          independent watchdog that regulates financial                         premiums and any alterations as soon as practicable
Demands and needs                                         1          services. It requires us to give you this document.                   but prior to inception of your policy. All premiums
                                                                     Please use the information below to confirm that the                  paid to us will be held as Agent of the insurer in our
Policy document                                           2-26       service we are offering is right for you.                             non Statutory Trust Bank Account. All premiums are
Introduction                                              2          Who regulates us?                                                     protected under Risk Transfer agreement with the
                                                                     Grand American Adventures which is a trading name of                  insurers. You will be responsible for paying promptly
Definition of words                                       2-3                                                                              all of our payment requests for premiums, to enable us
                                                                     Exodus Travels Ltd, (registration number 490039) DST
Schedule of cover                                         4          House, St Mark's Hill, Surbiton, Surrey KT6 4BH is an                 to make the necessary payments to insurers. We
                                                                     Appointed Representative of Campbell Irvine Ltd                       accept payment by cash, cheque, selected credit/
General enquiries                                         5                                                                                debit cards and bank transfer.
                                                                     (registration No.306242) who is authorised and
24 hour medical emergency assistance service              5          regulated by the Financial Conduct Authority. You                     Your policy
Making a claim                                            5          may check this on the Financial Services register                     Should you mislay your policy a replacement will be
                                                            or by contacting them on                               issued upon written request.
Health declaration and health exclusions                  6          Tel: UK +44 (0)800 111 6768.                                          Governing law and language
How to disclose pre-existing medical conditions           6          Which service will we provide you with?                               The law of England and Wales allows the parties to
                                                                     We do not recommend products after assessing your                     choose the law applicable to the contract.
Change in health for annual multi-trip customers          7          needs for Travel Insurance. We will ask you questions                 You agree that;
Change in health for single trip customers                7          to determine that the product we are offering is                      1 This policy will be governed and interpreted in
                                                                     applicable to your circumstances. You can then choose                   accordance with the law of England and Wales
Non travelling relatives                                  7          whether you wish to proceed with this product.                          and the English courts will have exclusive
Pregnancy                                                 7          What will you have to pay us for our services?                          jurisdiction in any dispute; and
                                                                     We do not charge for arranging this insurance for you,                2 Communication of and in connection with this
Making a complaint                                        8                                                                                  policy shall be in the English language.
                                                                     you only pay us the premium for your policy. We are
Period of insurance                                       8-9        paid for our services to you by the insurer AWP P&C SA.               If the insurer has to cancel your policy
Important information                                     9          This payment is a mixture of commission and other fees                If the insurer no longer wishes to offer this policy and
                                                                     based on our costs for supplying you with this policy.                needs to cancel, we will write to you at the current
Data protection                                           10         We may charge an administration fee to cover any                      address we have. The policy will then be cancelled
Cooling off period                                        11         amendments to your travel insurance policy after it has               30 days after the date of our letter. If the policy is
                                                                     been issued. Details will be provided to you at the time.             cancelled, we will refund any premium you paid in
Reciprocal health care                                    11                                                                               respect of the cancelled period, provided you have
                                                                     Are you covered by Financial Services
Claim conditions                                          12                                                                               not made a claim under the policy during that period
                                                                     Compensation Scheme (FSCS)?
                                                                                                                                           of Insurance.
General exclusions                                        13-14      In the unlikely event the seller of this insurance is unable to
                                                                     meet their liabilities, you may be entitled to compensation           Other taxes or costs
Section A - Emergency medical expenses                    15-16      under the Financial Services Compensation Scheme.                     Other taxes or costs may exist which are not imposed
                                                                     You can contact them by writing to: Financial Services                or charged by us.
Section B - Personal liability                            16-17
                                                                     Compensation Scheme, 10th Floor, Beaufort House,                      What to do if you have a complaint
Section C - Personal accident                             17         15 St Botolph Street, London, EC3A 7QU.                               Please see the complaints procedure detailed in the policy.
Section D - Cancellation or curtailment                   18         Phone: UK +44 (0)800 678 1100 or
                                                                     UK +44 (0)20 7741 4100. Visiting:
Section E - Travel delay                                  19
Section F - Personal effects                              20-21       Demands and needs
Section G - Legal expenses                                22-23
                                                                     This travel insurance policy will suit the demands and                Important
Section H - Winter sports                                 23-24      needs of an individual, or group (where applicable)                   This policy will have been sold to you on a non-
                                                                     who have no excluded pre-existing medical conditions,                 advised basis and it is therefore important for you to
Geographical areas                                        24
                                                                     are travelling to countries included within the policy                read this policy (paying particular attention to the
Worldwide annual multi-trip                               24         terms and who wish to insure themselves against the                   terms and conditions and exclusions) and ensure that
Sporting and adventurous activities                       25         unforeseen circumstances/events detailed in this                      your chosen policy meets all of your requirements. If
                                                                     policy. Subject to terms and conditions and maximum                   upon reading this policy you find it does not meet all
Claims checklist                                          25         sums insured.                                                         of your requirements, please refer to the relevant
Important contact details                                 26                                                                               cooling off/policy cancellation section.

                                                   2                                                                                   1
Pre-existing medical condition                                    iPad and/or android tablet or similar device, and
 Policy                                                                                                                       a Any respiratory condition (relating to the lungs or             portable navigation equipment, ipods, ipod touch
                                                                                                                                breathing), heart condition, stroke, Crohn’s disease,           and/or accessories, ebook readers, jewellery, furs,
Introduction                                                                                                                    epilepsy, allergy, cancer, psychiatric or
                                                                                                                                psychological condition (including anxiety, stress and
                                                                                                                                                                                                gold and silver items, watches, binoculars, musical
                                                                                                                                                                                                instruments, electronic games and sports equipment.
                                                                                                                                depression) for which you have received treatment
This policy, booking invoice or validation certificate (as         paid.                                                                                                                        Volunteering
                                                                                                                                (including surgery, tests or investigations by your
applicable) and any endorsements set out the terms of                                                                                                                                           You taking part in community or wildlife based
                                                                   This policy is underwritten by AWP P&C SA and                doctor or a consultant/specialist or prescribed
the one contract between the insured person(s) and                                                                                                                                              conservation/project work when arranged by a
                                                                   administered in the UK by Allianz Assistance,                medication) in the last five years.
the insurer and which sections of cover are operative.                                                                                                                                          professional organisation. This includes caring and
                                                                   a trading name of AWP Assistance UK Ltd, Registered        b Any medical condition for which you have received               teaching; and may also include supervised building/
Please read all of these documents to make sure they               in England No 1710361, Registered Office PO Box              surgery, in-patient treatment or investigations in a            renovation projects if the activity does not form part of
provide the cover required.                                        74005, 60 Gracechurch Street, London, EC3P 3DS.              hospital or clinic within the last 12 months, or are            your usual occupation or involve the use of plant/
                                                                   AWP Assistance UK Ltd is authorised and regulated by         prescribed medication.                                          trade/industrial machinery, or non domestic power
If they are not correct, or do not meet your demands
and needs, please immediately return them within the               the Financial Conduct Authority.                           Strike or industrial action                                       tools.
21 day cooling off period.                                                                                                    Any form of industrial action taken by workers which is           We, our, us
                                                                   AWP P&C SA is duly authorised in France and the
                                                                   United Kingdom and subject to limited regulation by        carried on with the intention of preventing, restricting or       Allianz Assistance, which administers the insurance on
You must take reasonable care not to make any
                                                                   the Prudential Regulation Authority and the Financial      otherwise interfering with the production of goods or             behalf of the insurer.
misrepresentations and to provide complete and
                                                                   Conduct Authority.                                         the provision of services.
accurate answers to the questions we ask when you                                                                                                                                               Winter sports equipment
take out or make changes to your policy. If you fail to                                                                       Terrorism (including cyber terrorism)                             Skis (including bindings), ski boots, ski poles and
do so, your policy may be void, or it may be                                                                                  An act, or acts, of any person, or group of persons,              snowboards.
cancelled, or your claim may be rejected or not fully                                                                         committed for political, religious, ideological or similar
                                                                                                                              purposes with the intention to influence any government
                                                                                                                              and/or to put the public, or any section of the public,
Definition of words                                                                                                           in fear, including but not limited to, the actual use of
                                                                                                                              force or violence and/or the threat of such use.
                                                                                                                              Furthermore, the perpetrators of a terrorist activity can
Any word or expression to which a specific meaning has been attached will bear the same meaning throughout                    either be acting alone, or on behalf of, or in
this policy. For ease of reading the definitions are highlighted by the use of bold print.                                    connection with any organisation or government.
Baggage                                                            Doctor                                                     Travelling companion
Luggage, clothing, personal effects, valuables and                 A registered practising member of the medical              A person you have arranged to travel with on your trip
other articles (but excluding personal money, tickets or           profession who is not related to you or any person with    and without whom it would be unreasonable to expect
documents of any kind) which belong to you (or for                 whom you are travelling.                                   you to continue your trip.
which you are legally responsible) which are worn,
                                                                   Home country                                               Unattended
used or carried by you during any insured trip.
                                                                   The country that you normally reside in.                   When you are not in full view of and not in a position
Close relative                                                                                                                to prevent unauthorised interference with your property.
                                                                   Insured person, you, your
Mother, father, sister, brother, wife, husband, partner
                                                                   Any person named on the booking invoice or                 Utilisation of nuclear, chemical or biological weapons
(including common law and civil partnerships), son,
                                                                   validation certificate (as applicable).                    of mass destruction
daughter (including fostered/adopted), grandparent,
                                                                                                                              The use of any explosive nuclear weapon or device; or
grandchild, parent in-law, son in-law, daughter in-law,            Insurer                                                    the emission, discharge, dispersal, release or escape
brother in-law, sister in-law, step parent, step child, step       AWP P&C SA.                                                of: fissile material emitting a level of radioactivity, or
sister, step brother or legal guardian.
                                                                   Medical condition                                          any pathogenic (disease producing) micro-organism(s)
Dependent business partner                                         Any disease, illness or injury.                            and/or biologically produced toxin(s) (including
A person who works for the same employer as you                                                                               genetically modified organisms and chemically
and whose absence from work necessitates your                      Policy excess                                              synthesised toxins), or any solid, liquid or gaseous
presence.                                                          The first part of the claim that you will be responsible   chemical compound which, when suitably distributed,
                                                                   for paying. When applicable, this amount applies to        is capable of causing incapacitating disablement or
Diagnostic tests                                                   each claim, per section, for each separate incident per    death amongst people or animals.
All laboratory and imaging (invasive and non-invasive)             insured person.
tests ordered by the treating doctor to help diagnose or                                                                      Valuables
rule out a suspected illness or condition including PET                                                                       Audio, visual, video, photographic, computer, laptops,
scans, CT scans, MRIs, EKGs, EMGs, X-rays,
echocardiograms, cardiac nuclear studies or
cardiovascular procedures such as coronary
angiograms plus blood, urine or histopathological tests.

                                                               2                                                                                                                            3
Schedule of cover                                                                                                General enquiries
                                                                                                                 If you have any general queries concerning this Insurance, or if there is anything you do not understand, please
                 Section/Cover                              Cover limits (up to)                 Excess          contact the Insurance Brokers who arrange the scheme:
A Emergency medical expenses                                 £10 million                         *£100           Write to: Campbell Irvine Limited, 52 Earls Court Road, Kensington, London W8 6EJ.
  Diagnostic tests                                            £10,000                            £100            Phone: UK +44 (0)20 7938 1734.
  In-patient benefit                                     £20/day max. £200                        Nil
  Criminal injuries                                     £100/day max. £5,000                      Nil            24-hour medical emergency assistance service
  Additional mountain rescue (risk to life)                   £2,000                             £100
                                                                                                                 Please tell us immediately about any serious illness or accident abroad where you have to go into hospital or
B Personal liability                                            £2 million                        £250           you may have to return home early or extend your stay because of any illness or injury. If you are unable to do
                                                                                                                 this because the condition is life, limb, sight or organ threatening, you should contact us as soon as you can.
C Personal accident                                              £25,000                           Nil
                                                                                                                 You must also tell us if your medical expenses are over £500. If you are claiming for a minor illness or
D Cancellation or curtailment                                    £5,000                           £100           accident you should, where possible, pay the costs and reclaim the money from us when you return. You can
                                                                                                                 call 24 hours a day 365 days a year or email.
E Travel delay
  Delayed departure or arrival                       £25 / 8 hr delay, max. £100                   Nil            Phone: UK +44 (0)20 8603 9485           Fax: UK +44 (0)20 8603 0204
  Abandonment                                          £2,000 after 8 hrs delay                    Nil            Email:          Quote ref: Grand American Adventures 7299TVL 11/20
  Hijack of aircraft                                  £100 / day, max. £3,000                      Nil
  Missed departure                                              £300                               Nil           Please give us your age and your insurance booking or validation certificate number. Say that you are insured
                                                                                                   Nil           with Grand American Adventures 7299TVL 11/20. Below are some of the ways the 24-hour medical emergency
  Delayed tour expenses                                         £150
                                                                                                                 assistance service can help.
F Personal effects                                                                                               Confirmation of payment
  Baggage                                                     £2,000                              £100           We will contact hospitals or doctors abroad and guarantee to pay their fees, providing you have a valid claim. We
  Personal money                                                £500                              £100           may require written consent to contact your doctor to obtain details of any past medical history specifically
  Tickets                                                     £1,000                              £100           relating to your claim.
  Passport and visas                                            £250                              £100           Repatriation
  Delayed baggage                                       £100 after 8 hour delay                    Nil           If our medical advisers think it would be in your medical interests to bring you back to your home or to a
                                                                                                                 hospital or nursing home in your home country, you will normally be transferred by regular airline or road
G Legal expenses                                                 £50,000                          £250           ambulance. Where medically necessary in very serious or urgent cases, we will use an air ambulance. We will
                                                                                                                 consult the treating doctor and our medical advisers first. If you need to go home early, the treating doctor must
H Winter sports                                                                                                  provide a certificate confirming that you are fit to travel. Without this the airline can refuse to carry any sick or
  Winter sports equipment                                         £350                            £100
                                                                                                                 injured person.
  Winter sports equipment hire                                    £200                            £100
                                                                                                                 You can contact us at any time, day or night. You will be answered by one of our experienced assistance
  Ski pack                                                        £300                            £100
                                                                                                                 co-ordinators who you should give all relevant information to. Please make sure you have details of your policy
  Piste closure                                            £20 / day, max. £200                    Nil           before you phone.
  Avalanche closure                                               £150                            £100
                                                                                                                  Failure to contact the medical emergency assistance service to obtain our authorisation may result in your claim
Notes                                                                                                             being reduced or declined.
Inner limits
This is only a summary of the sums insured and policy excess. Please refer to the individual sections of cover
of this policy for full details.
                                                                                                                 Making a claim
*Helicopter mountain medical rescue in Nepal                                                                     For claims under Sections A-F and H
If you require helicopter mountain medical rescue in Nepal, all costs will need to be pre-authorised by the      To submit a claim online please go to:
insurer's medical emergency assistance service and the policy excess will be increased to £500.
                                                                                                                 Alternatively you can download a claim form at: or you can
                                                                                                                 Write to: Claims Settlement Agencies 308-314 London Road, Hadleigh, Essex SS7 2DD
                                                                                                                 Phone: UK +44 (0)1702 553 443             Email:
                                                                                                                 For claims under Section G
                                                                                                                 You can call our 24-hour legal helpline for advice on a travel related legal problem to do with your trip.
                                                                                                                 Phone: UK +44 (0)20 8603 9804

                                                       4                                                                                                                  5
A note to all insured persons, doctors and hospitals. This is not a private medical insurance. If any medical
                                                                                                                          Change in health for annual multi-trip customers
treatment is needed, you must tell us immediately or we may not guarantee medical expenses. If you need any
                                                                                                                          If your health changes after taking out this insurance,         We will tell you whether or not your medical
medical treatment, you must allow the medical emergency assistance service to see all of your medical records
                                                                                                                          you must tell us as soon as possible by calling the             condition (or conditions) can be covered and if you
and information.
                                                                                                                          Medical Screening service on UK +44 (0)1702 427                 need to pay an extra premium. If we cannot cover
                                                                                                                          237 if this means you have to:                                  your medical condition (or conditions), or you do not
Health declaration and health exclusions                                                                                  • see a doctor and be referred to a consultant or               want to pay the extra premium, you can choose to:
                                                                                                                            specialist; or                                                • make a cancellation claim for any trip already
Important declaration                                         Definition of a Pre-existing medical condition:             • be admitted to hospital for treatment (including                booked; or
Anyone named under this policy should have read this          a Any respiratory condition (relating to the lungs or         surgery, tests or investigations); or                         • continue cover on this policy, but without cover for
Important declaration and understood the terms,                 breathing), heart condition, stroke, Crohn’s disease,     • await treatment or the results of tests and                     your medical conditions; or
conditions and exclusions relating to the health of you         epilepsy, allergy, cancer, psychiatric or                   investigations.                                               • cancel this policy and request a proportionate/
and anyone else upon whom your trip depends.                    psychological condition (including anxiety, stress and                                                                      partial refund (as long as you have not made a
                                                                depression) for which you have received treatment                                                                           claim or intend to make a claim).
This policy contains health restrictions that apply to
                                                                (including surgery, tests or investigations by your
your cover under certain sections of this policy. This
                                                                doctor or a consultant/specialist or prescribed
policy can only provide cover in respect of an
accident or illness which is sudden, unforeseen and
                                                                medication) in the last five years.
                                                              b Any medical condition for which you have received
                                                                                                                          Change in health for single trip customers
beyond your reasonable control.
                                                                surgery, in-patient treatment or investigations in a
Cover is excluded for any defined pre-existing                  hospital or clinic within the last 12 months, or are      If your health changes after taking out this insurance,         We cannot provide cover for new medical conditions
medical condition. If in doubt please contact our               prescribed medication.                                    you do not need to tell us providing your doctor has            for which you have not received a formal diagnosis.
medical screening service, in confidence on:                                                                              confirmed to you that you remain medically fit to
UK +44 (0)1702 427 237 or, online at                                                                                      undertake the planned trip itinerary.

                                                                                                                          Non travelling relatives
How to disclose pre-existing medical conditions                                                                           You may have a close relative with a medical                    state that at the date you bought this policy, he/she
                                                                                                                          condition who is not travelling with you. In some               would have seen no substantial likelihood of his/her
Medical screening                                             If you do not:                                              cases, if their state of health deteriorates greatly, you       patient’s condition deteriorating to such a degree that
                                                              • declare full details about your pre-existing medical      may want to cancel or curtail your trip. Subject to all         this would become necessary. If the doctor will not
The medical screening service is optional for those                                                                       the other terms and conditions, such claims are                 confirm this, your claim is not covered.
persons wishing to establish if additional cover may              condition to the medical screening service; or
                                                              • accept the special terms applied to your policy by        covered if the close relative's doctor is prepared to
be offered to include pre-existing medical conditions.
You will be asked for your personal and travel                    the medical screening service
details. Please have your insurance policy number to          you will not be covered for any claims arising from:
hand if known.                                                • any pre-existing medical conditions; or                   Pregnancy
You will be advised whether the pre-existing medical          • any medical conditions linked to these pre-existing
condition may be covered, an optional additional                medical conditions.                                       Claims relating to normal pregnancy, where there is             Airlines and ferry companies have their own
premium may be quoted and whether any                         There is no cancellation or curtailment cover for a         no accompanying bodily injury, illness, disease or              restrictions due to health and safety requirements so
amendments will be made to the policy terms and               pre-existing medical condition of persons not               complication, are not covered under this policy. This           please ensure that you check with them or with any
conditions. If terms can be provided for the condition        necessarily travelling but upon whom travel depends,        policy is designed to provide cover for unforeseen              other transport provider before you book the trip.
and you elect to take up the offer of the additional          such as a close relative, unless you are able to agree      events, accidents, illnesses and diseases and normal            Please also ensure that your doctor and midwife are
cover, you will be given a medical screening                  to the ‘Non travelling relatives’ section of this policy.   childbirth would not constitute an unforeseen event.            aware of your travel plans, that there are no known
reference number and a letter will be sent to you                                                                         There is no cover for any claims arising from                   complications and that you are not travelling against
                                                              You should also refer to the 'General exclusions' of
upon receipt of payment. Any additional premiums                                                                          pregnancy when you are expected to give birth                   any medical advice.
                                                              this policy.
must be paid directly to the medical screening service                                                                    within two months of the return date of your trip.
                                                              If you fail to declare a medical condition and the
and not the company you are arranging your travel                                                                         Cover can only be considered where there is a
                                                              policy would have still been issued to you but for an
insurance with.                                                                                                           complication of pregnancy or if you were unaware of
                                                              additional premium, the insurer may decide to make
                                                              a proportionate settlement in line with the premium         the pregnancy at the time of purchasing the insurance
                                                              you have paid.                                              or booking a trip (whichever is later) and you are
                                                                                                                          advised not to travel by a doctor.

                                                          6                                                                                                                           7
Making a complaint                                                                                                         Automatic trip extension
                                                                                                                           If you are prevented from completing your travel
                                                                                                                                                                                             If you are hijacked, cover shall continue whilst you
                                                                                                                                                                                             are subject to the control of the person(s) or their
                                                                                                                           before the expiration of this Insurance as stated under           associates making the hijack during the period of
We aim to provide you with a first class policy and            If you are not satisfied with our final response you        the period of insurance on the booking invoice or                 insurance for a period not exceeding 12 months from
service. However, there may be times when you feel             can refer the matter to the UK Financial Ombudsman          validation certificate (as applicable) for reasons which          the date of the hijack.
we have not done so. If this is the case, please tell us       Service for independent arbitration.                        are beyond your control, including ill health or failure          Please ensure you arrange cover for the entire
about it so that we can do our best to solve the               Visit:                       of public transport, this policy will remain in force until       duration of your travel.
problem. If you make a complaint your legal rights                                                                         completion but not exceeding a further 31 days on a
                                                               Write to: Financial Ombudsman Service, Exchange
will not be affected.                                                                                                      day by day basis, without additional premium.
                                                               Tower, London E14 9SR
• For complaints regarding the sale of your policy:
    Write to: The General Manager, Campbell Irvine Ltd,        Phone: U
                                                                       K +44 (0)800 023 4567 or
    52 Earls Court Road, Kensington, London W8 6EJ.                   UK +44 (0)300 123 9123
                                                                                                                           Important information
    Phone: UK +44 (0)20 7938 1734                              Email:

• For complaints regarding claims or administration                                                                                                                                          4 You must contact the medical emergency assistance
                                                                                                                            You must comply with all the terms and conditions
  of your policy:                                                                                                                                                                              service as soon as possible with full details of
                                                                                                                            stated in this policy, exercise reasonable care, and
  Write to: Customer Service, Allianz Assistance,                                                                                                                                              anything which may result in a claim as a result of
                                                                                                                            act as if uninsured at all times to have the full
  102 George Street, Croydon, CR9 6HD                                                                                                                                                          a medical emergency.
                                                                                                                            protection of the policy. If you do not comply the
  Phone: UK +44 (0)20 8603 9853                                                                                             insurer may at their option cancel the policy or                 5 Unless agreed otherwise, English law will apply
  Email:                                                                           refuse to deal with the claim or reduce the amount of              and all communications and documentation in
                                                                                                                            any claim payment.                                                 relation to this policy will be in English. In the event
                                                                                                                                                                                               of a dispute concerning this policy the English
                                                                                                                                                                                               courts shall have exclusive jurisdiction.
Period of insurance                                                                                                        General conditions
                                                                                                                           1 At the time of purchasing this policy you will have             Rights of third parties
                                                                                                                             been asked questions to enable us to assess your                We, the insurer and you do not intend any term of
The period that you are insured for as shown on your           Annual multi-trip
                                                                                                                             risk. These may include but are not limited to                  this contract to be enforceable by any third party
booking invoice or validation certificate (as                  Any one trip shall be limited to a maximum duration of
                                                                                                                             questions about your state of health or that of a               pursuant to the Contracts (Rights of Third Parties) Act
applicable).                                                   40 days. For any trip known to be exceeding the
                                                                                                                             close relative or any planned sports or activities.             1999.
Single trip                                                    maximum duration, the entire period of travel including
                                                                                                                             You must take reasonable care to answer these
Cover under Section D – Cancellation starts from the           the first 40 days will not be insured.                                                                                        Financial Services Compensation Scheme (FSCS)
                                                                                                                             questions completely and accurately. If the answers             For your added protection, the insurer is covered by
date of issue stated on your booking invoice or                Cover under Section D – Cancellation starts from              given change after the policy was purchased you                 the FSCS. You may be entitled to compensation from
validation certificate (as applicable) and ends when           either the date of issue shown on your booking                must notify us of this change. Upon any failure to              the scheme if the insurer cannot meet its obligations.
you leave your residence or place of business to               invoice or validation certificate (as applicable), or the     answer the questions completely, accurately or                  This depends on the type of business and the
commence travel. Cancellation cover shall only apply           booking date of each individual trip to which this            honestly, or to inform us of any change, your                   circumstances of the claim.
for a period of up to 24 months prior to the trip              insurance relates, whichever is the latter.                   policy may be declared void, or be cancelled, or
departure date stated on your booking invoice or                                                                                                                                             Insurance cover provides protection for 90% of the
                                                               Cover under all other sections of the policy starts from      we may refuse to pay your claim in full or in part,             claim, with no upper limit. Further information about the
validation certificate (as applicable).                        the date shown on your booking invoice or validation          or we may revise the premium due or we may                      compensation scheme arrangements is available from
Cover under all other sections of the policy starts            certificate (as applicable), or the time you leave your       change any policy excess, or the extent of your                 the FSCS, telephone number UK +44 (0)800 678 1100
when you leave your normal residence or place of               normal residence or place of business to commence             cover under the policy may be affected.                         or UK +44 (0)20 7741 4100, or by visiting their
business to commence your trip or from the date                your trip on the departure date of each individual trip     2 This policy is available for holiday or business                website at
shown on the booking invoice or validation certificate         to which this insurance relates, whichever is the latter.     travel but excludes overseas residency, permanent
(as appropriate).                                              Cover for each trip ends on your return home or               overseas employment, work of a predominantly
All cover ends on your return home, within 24 hours            within 24 hours of your return to your home country,          manual nature (other than volunteering) or any
of your return to your home country, or at the expiry          whichever is first. All cover under the policy ends on        hazardous activity not agreed on behalf of the
of the period of insurance, whichever is first.                the expiry of the period of insurance as shown on             insurer.
One way travel                                                 your booking invoice or validation certificate (as          3 An extra premium has to be paid for any person
All cover ceases on arrival at final destination.              applicable).                                                  aged 66 years or more at the date of payment of
                                                                                                                             insurance premium. The policy is not available for
                                                                                                                             persons aged 75 years or more at the date of
                                                                                                                             payment of insurance premium (reduced to 66
                                                                                                                             years or more for annual multi-trip policies).

                                                           8                                                                                                                             9
Data protection                                                                                                                 Cooling off period
We care about your personal data.                                  Where will your personal data be processed?                  Statutory cancellation rights                                  Cancellation outside the statutory 21 day cooling
The summary below and our full privacy notice                      Your personal data may be processed both inside              You may cancel this policy within 21 days of receipt           off period
explain how Allianz Assistance protects your privacy               and outside the European Economic Area (EEA).                of the policy documents by contacting your issuing             You may cancel this policy at any time after the
and uses your personal data.                                       Whenever we transfer your personal data outside the          agent.                                                         statutory 21 day cooling off period by contacting
                                                                   EEA to other Allianz Group companies, we will do so          Any premium already paid will be refunded to you               your issuing agent.
Our full privacy notice is available at
                                                                   on the basis of Allianz’s approved binding corporate         providing you have not travelled, no claim has been            If you cancel after the statutory 21 day cooling off
                                                                   rules (BCR). Where Allianz’s BCR do not apply, we            made or is intended to be made and no incident                 period no premium refund will be made.
If a printed version is required, please write to Legal and                                                                     likely to give rise to a claim has occurred.
                                                                   take steps to ensure that personal data transfers outside                                                                   Non payment of premiums
Compliance Department, Allianz Assistance,
                                                                   the EEA receive an adequate level of protection.                                                                            We reserve the right to cancel this policy immediately
102 George Street, Croydon CR9 6HD.
                                                                                                                                                                                               in the event of non payment of the premium.
                                                                   What are your rights in respect of your personal data?
How will we obtain and use your personal data?
                                                                   You have certain rights in respect of your personal
We will collect your personal data from a variety of
                                                                   data. You can:
sources including:
                                                                   • Request access to it and learn more about how it is
• Data that you provide to us; and
                                                                     processed and shared;
• Data that may be provided about you from certain
                                                                   • Request that we restrict any processing concerning you,
   third parties, such as your insurance representative,
   doctors in the event of a medical emergency or
                                                                     or withdraw your consent where you previously              Reciprocal health care
                                                                     provided this;
   airline companies in the event of repatriation.
                                                                   • Request that we stop processing it, including for direct
We will collect and process your personal data in                                                                               This travel insurance policy is not a private medical          Should you require medical care in Europe, a
                                                                     marketing purposes;
order to comply with our contractual obligations and/                                                                           insurance and where possible every effort should be            European Health Insurance Card (EHIC) entitles you to
or for the purposes of our legitimate interests including:         • Request that we update it or delete it from our records;   made to utilise any reciprocal health care facility.           reduced cost, sometimes free, medical treatment that
• Entering into or administering contracts with you;               • Request that we provide it to you or a new insurer; and    If you require medical treatment in Australia you must         becomes necessary whilst travelling in a European
                                                                   • File a complaint.                                          enrol with Medicare                   Economic Area (EEA) country or Switzerland. The EEA
Who will have access to your personal data?                                                                                                                                                    consists of the European Union (EU) countries plus
We may share your personal data:                                   Automated decision making, including profiling               It can be done after the first occasion on which you
                                                                                                                                                                                               Iceland, Liechtenstein and Norway. An EHIC can be
• With public authorities, other Allianz Group                     We carry out automated decision making and/or                receive treatment. In-patient and out-patient treatment
                                                                                                                                                                                               obtained by following the online information at
  companies, industry governing bodies, regulators,                profiling when necessary.                                    at a public hospital is then available free of charge.
  fraud prevention agencies and claims databases,                                                                               If you are admitted to hospital then immediate contact
                                                                   How can you contact us?                                                                                                     Telephone: 0300 330 1350
  for underwriting and fraud prevention purposes;                                                                               must be made with the medical emergency assistance
                                                                   If you would like a copy of the information that we hold
• With other service providers who perform business
                                                                                                                                service and their authority obtained in respect of any         Please also note that if you have a valid claim for
                                                                   about you or if you have any queries about how we
  operations on our behalf;
                                                                                                                                treatment not available under Medicare before such             medical expenses which is reduced by you:
                                                                   use your personal data, you can contact us as follows:
                                                                                                                                treatment is provided.                                         • Using an EHIC; or;
• Organisations who we deal with which provide                     • For Allianz Assistance
  part of the service to you such as in the event of a                 Write to: Data Protection Officer, AWP Assistance                                                                       • Taking advantage of a reciprocal health
  medical emergency;                                                   UK Ltd, 102 George Street, Croydon CR9 6HD                                                                                 arrangement with your home country; or;
                                                                                                                                 Your failure to contact the medical emergency
• To meet our legal obligations including providing                    Phone: UK +44 (0)20 8603 9853                             assistance service to obtain our authorisation may            • Using your private medical insurance;
  information to the relevant ombudsman if you make                    Email:                                result in a claim being reduced or declined.                  at the point of treatment, then the insurer will not
  a complaint about the product or service that we                                                                                                                                             deduct the policy excess.
                                                                   Other privacy notices
  have provided to you.
                                                                   If you would like to view the full privacy policy of
We will not share information about you with third
                                                                   Claims Settlement Agencies Limited visit:
parties for marketing purposes unless you have
specifically given us your consent to do so.
                                                                   If you would like to view the full privacy policy of
How long do we keep your personal data?
                                                                   Campbell Irvine Limited visit:
We will retain your personal data for a maximum of
seven years from the date the insurance relationship
between us ends. If we are able to do so, we will
delete or anonymise certain areas of your personal
data as soon as that information is no longer required
for the purposes for which it was obtained.

                                                              10                                                                                                                          11
Claim conditions                                                                                                                General exclusions
Duplicate insurance                                                Paying claims                                                                                                               2 After the date this policy was purchased including
                                                                                                                                 Policy excesses – Applicable to most claims
If at the time of loss, theft, damage, expense or liability        1 Death                                                                                                                       prior to booking any individual journey in respect of
                                                                                                                                 The insurer shall not pay:
insured by Sections A, D, E, F, G and H there is                      a If you are 18 years old or over, claims are paid                                                                         an annual multi-trip policy:
                                                                                                                                 1 The first £100 of each and every claim, per
another insurance against such loss or any part thereof,                to your estate and the receipt given to the insurer        incident claimed for under each section by each               A change of health or where the cost of any claim is
the insurer shall be liable under this Insurance for their              by your personal representatives shall be a full           insured person.                                               increased due to a change of health, if the
proportionate share only of such loss.                                  discharge of all liability by the insurer in respect     2 The first £250 of each and every claim arising                procedure detailed under the ‘Health declaration and
Subrogation                                                             of the claim.                                              from the same incident under Section B - Personal             health exclusions’ section has not been followed.
                                                                      b If you are aged under 18 years, the insurer shall          liability (in respect of the use of rented temporary        3 At any time:
The insurer is entitled to take over any rights in the
                                                                        pay any claim to your parent or legal guardian.            accommodation only) and G - Legal expenses.                   a Any medical condition where you have travelled
defence or settlement of any claim and to take
                                                                        Your parent or legal guardian’s receipt shall be a       3 The first £500 of each and every claim, by each                  despite a doctor advising you not to travel (or
proceedings in your name for the insurer's benefit
                                                                        full discharge of all liability by the insurer in          insured person under Section A1, if the claim                    where they would have advised you not to travel
against any other party.
                                                                        respect of the claim.                                      involves helicopter mountain medical rescue in                   had you sought their advice).
Documentation                                                                                                                                                                                    b Any surgery, treatment or investigations for which
                                                                   2 All other claims:                                             Nepal.
All certificates, information and evidence required by the                                                                                                                                          you intend to travel outside your home country to
                                                                      a If you are 18 years old or over, the insurer shall
insurer shall be furnished at your or your legal personal                                                                        No policy excess applies to Section C - Personal                   receive (including any expenses incurred due to the
                                                                        pay the claim to you and your receipt shall be a
representatives expense and shall be in such form and of                                                                         accident, Section D - Cancellation and curtailment                 discovery of other medical conditions during and/
                                                                        full discharge of all liability by the insurer in
such nature as the insurer may prescribe. You shall as                                                                           (Loss of deposit only claims), Section E - Travel                  or complications arising from these procedures).
                                                                        respect of the claim.
often as required submit to medical examination on                                                                               delay, Section F5 - Delayed baggage and Section                 c Any medical condition for which you or any
                                                                      b If you are aged under 18 years, the insurer shall
behalf of the insurer at their own expense and in the                                                                            H - Piste closure only.                                            other person not necessarily travelling but upon
                                                                        pay the appropriate benefit amount to your
event of your death the insurer shall be entitled to have                                                                                                                                           whom travel depends such as a close relative is
                                                                        parent or legal guardian for your benefit. Your          Please also note that if you have a valid claim for
a post-mortem examination at their own expense.                                                                                                                                                     not taking the recommended treatment or
                                                                        parent or legal guardian’s receipt shall be a full       medical expenses which is reduced by you·using an
Recognising our rights                                                  discharge of all liability by the insurer in respect                                                                        prescribed medication as directed by a doctor.
                                                                                                                                 EHIC; or taking advantage of a reciprocal health
You and each insured person must recognise the                          of the claim.                                                                                                            d Pregnancy known at the time of booking your trip
                                                                                                                                 agreement with your home country; or using your
insurer's right to:                                                Please refer to the 'Claims checklist' at the back of this                                                                       or buying this policy (whichever is later) if you are
                                                                                                                                 private medical insurance; at the point of treatment,
1 Pay, repair or replace                                           policy for a list of documentation required by our                                                                               expected to give birth within two months of the
                                                                                                                                 then the insurer will not deduct the policy excess.
   Choose either to pay the amount of a claim (less any            claims handlers to process a claim.                                                                                              return date of your trip;
   policy excess and up to any sum insured limit) or                                                                                                                                             e Participating in any activity where you have been
   repair, replace or reinstate any item or property that          Fraudulent claims                                            You will not be covered under Section A – Medical                   advised against doing so by a doctor or where
   is damaged, lost or stolen;                                     You must not act in a fraudulent manner. If you or           expenses, Section C – Personal accident and                         you would have been advised against participating
                                                                   anyone acting for you:                                       Section D – Cancellation or curtailment for any claim               if you had sought your doctors' advice.
2 Inspect and dispose of items
                                                                   1 Make a claim under the policy knowing the claim to         directly or indirectly caused by, arising or resulting
   Inspect and take possession of any item or property                                                                                                                                         The insurer shall not pay (unless agreed in writing by
                                                                     be false or fraudulently exaggerated in any respect;       from, or in connection with either;
   for which a claim is being made and handle any                                                                                                                                              or on behalf of the insurer) for any claim directly or
                                                                     or                                                         1 At the time of taking out this policy:
   salvage in a reasonable manner;                                                                                                                                                             indirectly caused by, arising or resulting from, or in
                                                                   2 Make a statement in support of a claim knowing the            a Any pre-existing medical condition unless you
3 Handle a claim in your name                                                                                                                                                                  connection with:
                                                                     statement to be false in any respect; or                        have contacted the medical screening service on
   Take over and deal with the defence or settlement of                                                                                                                                        1 a i Mountaineering or climbing; pot-holing; sports
                                                                                                                                     UK +44 (0)1702 427 237 or, online at
   any claim in your name and keep any amount                      3 Submit a document in support of a claim knowing                                                                                   tours; motorised competitions; racing;
                                                                                                                            and the insurer
   recovered;                                                        the document to be forged or false in any respect; or                                                                             competing in or practising for speed or time
                                                                                                                                     has agreed to provide cover and you have paid
4 Pay in sterling                                                  4 Make a claim in respect of any loss or damage                                                                                     trials of any kind; or
                                                                                                                                     any additional premium required.
   Settle all claims in pounds sterling;                             caused by your wilful act or with your involvement.                                                                       		ii Travelling by quad bike or motorcycle (except
                                                                                                                                   b Any medical condition that you or any other
                                                                   Then the insurer:                                                                                                                   for quad bikes or motorcycles up to 125cc
5 Be reimbursed promptly                                                                                                             person not necessarily travelling but upon whom
                                                                                                                                                                                                       which are hired or borrowed during the period
   Be reimbursed within 30 days for any costs or                   1 Shall not pay the claim                                         travel depends such as a close relative has
                                                                                                                                                                                                       of insurance and when you are wearing a
   expenses that are not insured under this policy,                2 Shall not pay any other claim which has been made               received a terminal prognosis.
                                                                                                                                                                                                       crash helmet); or
   which the insurer pays to you or on your behalf;                  or will be made under the policy.                             c Any medical condition you are aware of but
                                                                                                                                                                                               		iii Driving a motor vehicle or riding a motorcycle,
6 Receive medical certificates                                     3 May at their option declare the policy void.                    which has not had a formal diagnosis.
                                                                                                                                                                                                       quad bike or any mechanically assisted cycle on
   Be supplied at your expense with appropriate                    4 Shall be entitled to recover from you the amount of           d Any medical condition for which you or any
                                                                                                                                                                                                       a public highway without the appropriate driving
   original medical certificates where required before               any claim already paid under the policy.                        other person not necessarily travelling but upon
   paying a claim;                                                                                                                   whom travel depends such as a close relative is
                                                                   5 Shall not make any premium returns.                                                                                       		iv Skiing, snowboarding and snowmobiling
7 Carry out medical examinations                                                                                                     on a waiting list for or has knowledge of the need
                                                                   6 May inform the police of the circumstances.                                                                                       involving racing, ski jumping, freestyle winter
   Request and carry out a medical examination and                                                                                   for surgery in a hospital; or
                                                                                                                                                                                                       sports, ice hockey or the use of bobsleighs or
   insist on a post-mortem examination, if the law                                                                                                                                                     skeletons.
   allows them to ask for one, at our expense.

                                                              12                                                                                                                          13
b Any activity where you do not wear the
    recommended/recognised safety equipment, or do
                                                                   6 Any exposure to the utilisation of nuclear, chemical
                                                                     or biological weapons of mass destruction.
                                                                                                                              Section A - Emergency medical expenses
    not follow the safety procedures, rules or                     7 a Ionising radiation or contamination by radioactivity
    regulations of the activity’s organisers/providers; or              from any nuclear fuel or from any nuclear waste       WHAT YOU ARE COVERED FOR                                         4 Criminal injuries - Up to £5,000
  c Any activity in the air (other than as a passenger                  resulting from the combustion of nuclear fuel; or     1 Emergency medical, repatriation and associated                   Should you be admitted to hospital as an in-patient
    in a fully licensed passenger-carrying-aircraft,                 b The radioactive, toxic, explosive or other               expenses - Up to £10 million                                     as a result of receiving criminal injuries following a
    bungee jumping or parasailing); or                                  hazardous properties of any explosive nuclear           Should you suffer accidental bodily injury or become             personal assault verified by a written report that
  d Any unusually hazardous activity or extreme sport                   assembly or nuclear component of such assembly.         ill (including compulsory quarantine on the orders of            substantiates the injuries resulted from an unprovoked
    that has not been booked through or organised                  8 Sonic or pressure waves from aircraft and other            a treating doctor) the insurer will pay:                         personal assault, the in-patient benefit payable under
    by Grand American Adventures, including but not                   airborne devices travelling at sonic or supersonic        a normal and necessary receipted expenses of                     Section A3 is increased to £100 each complete
    limited to scrambling; canyoning/kloofing;                        speeds.                                                     emergency medical or surgical treatment incurred               day, up to £5,000, that you are admitted to hospital
    trekking over 4,000 metres; scuba diving to a                  9 Any consequence of any act of war, invasion, act             outside your home country including, emergency                 outside of your home country.
    depth greater than 30 metres, or solo diving;                     of foreign enemy, hostilities (whether declared or          dental treatment to relieve pain and suffering               5 Additional mountain rescue (risk to life) -
    professional or competitive sports or activities;                 not), civil war, civil commotion, rebellion,                (limited to £250), specialists or ophthalmic fees,             Up to £2,000
    competing in or practicing for speed or time trials               revolution, insurrection, military force, any act of        hospital, nursing attendance charges,                          If during the period of insurance local rescue
    of any kind; work of a predominantly manual                       terrorism (including cyber terrorism) where you             physiotherapy, massage and manipulative                        authorities declare you need mountain rescue to
    nature; expeditions to remote, hazardous or polar                 are actively engaged and/or where you have                  treatment, surgical and medical requisites,                    avoid risk to your life despite not being ill or
    regions; or any variation of an excluded sport or                 travelled and/or you remain contrary to Foreign             decompression chambers, ambulance/ necessary                   injured, the insurer will pay up to £2,000 for
    activity; or                                                      and Commonwealth Office travel advice.                      transport charges (including helicopter/ air                   receipted rescue costs if authorised by the medical
  e Wilful exposure to needless danger (other than in              10 You travelling to a country, specific area or event         ambulance charges if medically necessary and                   emergency assistance service or their agents.
    an attempt to save human life); or                                to which the Travel Advice unit of the British              authorised by the medical emergency assistance
  f Air travel within 24 hours of scuba diving.                       Foreign and Commonwealth Office or the World                service; or their agents).
                                                                      Health Organisation has advised against all travel                                                                        Conditions specific to A5 - Additional mountain
 Note                                                                                                                             Note
                                                                      or all but essential travel, unless agreed by or on                                                                       rescue (risk to life).
 • Exclusions 1a, 1b, 1c and 1d are not applicable                                                                                The insurer reserves the right to repatriate you to
                                                                      behalf of the insurer.                                                                                                    1 Contact must be made with the medical emergency
   to cancellation claims under Section D.                                                                                        your home country when in the opinion of the
                                                                   11 Any search or ship to shore rescue costs (cost                                                                               assistance service on UK +44 (0)20 8603 9485 as
 • See 'Sporting and adventurous activities' section.                                                                             medical emergency assistance service, you are
                                                                      charged to you by a Government, regulated                                                                                    soon as possible;
                                                                                                                                  fit to travel                                                 2 All reasonable local safety advice has been
2 Private medical treatment unless authorised by the                  authority or private organisation concerned with
  medical emergency assistance service.                               finding and rescuing an individual). This exclusion       b reasonable additional accommodation and                          obtained and followed;
3 Any wilfully self inflicted injury or illness, suicide or           does not include medical evacuation costs by the            repatriation expenses incurred by you and any                 3 Expenses are only payable for your proportion of
  attempted suicide, sexually transmitted diseases,                   most appropriate transport detailed in Section A1,          one member of your family or party who has to                    the mountain rescue operation up to the sum
  solvent abuse, the use of drugs (other than medically               or Additional mountain rescue (risk to life) costs          remain or travel with you, when certified by a                   insured.
  prescribed) and the effects of alcohol.                             detailed in Section A5.                                     doctor to be strictly necessary on medical                    4 Costs will only be covered up to the point when
4 Your participation in any criminal or illegal acts.              12 Any circumstances you are aware of that could               grounds, and approved by the medical                             you are recovered by the mountain rescue
5 a Unless the insurer provides cover under this                      reasonably be expected to give rise to a claim on           emergency assistance service.                                    services or at the time when the authorities advise
     insurance, any other loss, damage or additional                  this policy unless you have been given the                c the travel and reasonable accommodation                          that continuing the rescue is no longer viable.
     expenses following on from the event for which                   insurer's written agreement.                                expenses of one person to travel from their country           5 A written statement from the appropriate local
     you are claiming. Examples of such loss,                      13 The financial failure of a tour operator, travel            of residence if their presence is strictly necessary             rescue authorities involved in the rescue must be
     damage, or additional expense would be the cost                  agent, transport provider, accommodation                    on medical grounds.                                              obtained and provided to the insurer in the event
     of replacing locks after losing keys, costs incurred             provider, ticketing agent or excursion provider.          d the reasonable cost of transporting your remains                 of a claim.
     of preparing a claim, or loss of earnings following           14 Any other loss connected to the event you are               to your home country (the costs of burial or
     bodily injury or illness.                                        claiming for unless the insurer specifically provides       cremation is not included) or funeral expenses
  b Any costs for;                                                    cover under this policy.                                    including burial or cremation incurred abroad up
     i telephone calls (other than the first call to the           15 Any disinclination to travel.                               to £1,000.
         medical emergency assistance service to notify            16 Any benefit hereunder to the extent that the
                                                                                                                              2 Diagnostic tests - Up to £10,000
         them of a medical problem requiring                          provision of such cover, payment of such claim or
                                                                                                                                The insurer will pay up to £10,000 for diagnostic
         hospitalisation); or                                         provision of such benefit would expose the insurer
                                                                                                                                tests incurred outside your home country.
     ii taxi fares (unless a taxi is being used in place of           to any sanction, prohibition or restriction under
         an ambulance to take you to or from a hospital);             United Nations resolutions or the trade or              3 In-patient benefit - Up to £200
         or                                                           economic sanctions, laws or regulations of the            In addition to the costs referred to above, the insurer
     iii food and drink expenses (unless these form part              European Union, United Kingdom or United States           will also pay the sum of £20 compensation for each
         of your hospital costs if you are kept as an                 of America.                                               complete day, up to £200, that you are admitted to
         in-patient).                                                                                                           hospital outside your home country.

                                                              14                                                                                                                          15
notice or inquest connected to circumstances which
 WHAT YOU ARE NOT COVERED FOR                                  7 Dental treatment to provide, replace or repair             d bodily injury caused directly or indirectly in
                                                                                                                                                                                          may lead to a claim under this section.
 Exclusions applicable to Section A                               caps, crowns or bridges other than the relief of            connection with: the ownership, possession or
                                                                  pain and suffering.                                         occupation of land or buildings, immobile                 2 No admission, offer, promise, payment or indemnity
 The insurer shall not pay for any claim directly or
                                                               8 Any form of treatment or surgery which in the                property or caravans or trailers, any wilful or             shall be made by or on your behalf without the
 indirectly caused by, arising or resulting from, or in
                                                                  opinion of the medical emergency assistance                 malicious act, carrying on of any trade,                    insurer's prior written consent.
 connection with:
 1 Travel against any health requirements stipulated              service can be reasonably delayed until you                 business or profession, any racing activity;              3 Every claim notice, letter, writ or process or other
     by the carrier, their handling agents or any other           return to your home country.                              e fraudulent, dishonest or criminal acts of you or            document served on you shall be forwarded to the
     public transport provider.                                9 Any medical treatment and associated costs you               any person authorised by you.                               insurer immediately upon receipt.
 2 A pre-existing medical condition unless the                    have to pay following your refusal of curtailment,        f any claim resulting from venereal disease,
                                                                                                                                                                                        4 The insurer shall be entitled to take over and
     insurer has agreed to provide cover and you                  or your decision not to move hospital or return to          sexually transmitted diseases, infection with the
                                                                                                                                                                                          conduct in your name the defence or settlement
     have paid any additional premium required.                   your home country after the date when, in the               Human Immunodeficiency Virus (HIV) or
                                                                                                                                                                                          of any claim or to prosecute in your name for the
 3 The cost of medical or surgical treatment of any               opinion of the medical emergency assistance                 Acquired Immune Deficiency Syndrome (AIDS) or
                                                                                                                                                                                          insurer's own benefit any claim for indemnity or
     kind received by you later than 52 weeks from                service, you should have done so.                           AIDS Related Complex (ARC) howsoever this
                                                                                                                                                                                          damages against all other parties or persons.
     the date of the accident or commencement of the           10 Accommodation and travel expenses where the                 syndrome has been acquired or may be named;
                                                                  transport and/or accommodation used are of a              g any claim assumed by you under any contract               5 The insurer may at any time pay you in connection
                                                                  standard superior to that of the trip unless agreed         or agreement unless such liability would have               with any claim(s) up to £2 million (after deduction
 4 Medical expenses incurred in your home country.
                                                                  by the medical emergency assistance service.                attached in the absence of such contract or                 of any sums already paid as compensation) or
 5 A claim that is not verified by a medical report
                                                               11 Medication you are taking before and which                  agreement;                                                  any lesser amount for which such claim(s) can be
     whilst travelling.
                                                                  you will have to continue taking during your trip         h punitive or exemplary damages.                              settled. Once this payment is made the insurer shall
 6 Elective or cosmetic surgery is excluded except in
                                                                  (except in the event of accidental loss or damage                                                                       relinquish the conduct and control and be under no
     the event of reconstruction following an accident.
                                                                  to that medication).                                  Provided that                                                     further liability in connection with such claim(s) except
     Any procedures require advance approval from
                                                               12 A policy excess which will apply to this section,                                                                       for the payment of costs and expenses recoverable or
     the medical emergency assistance service.                                                                          1 You or your legal representatives give the insurer
                                                                  please refer to 'General exclusions'.                                                                                   incurred prior to the date of such payment.
                                                                                                                          written notice immediately you receive any prosecution

                                                                                                                        Section C - Personal accident
Section B - Personal liability
                                                                                                                        WHAT YOU ARE COVERED FOR                                    Loss of sight:
WHAT YOU ARE COVERED FOR                                                                                                Up to £25,000                                               total and irrecoverable loss of sight which shall be
                                                               3 The insurer will not pay any liability for:                                                                        considered as having occurred:
Up to £2 million                                                 a bodily injury, illness or disease of any person      In the event of you sustaining bodily injury arising
                                                                                                                                                                                    a in both eyes if your name is added to the Register
The insurer will pay up to £2 million (inclusive of                who is your close relative, travelling               wholly and exclusively from violent accidental external
                                                                                                                                                                                       of Blind Persons on the authority of a fully qualified
legal costs and expenses) if you become legally liable             companion, or under a contract of                    and visible means which injury shall solely and
                                                                                                                                                                                       ophthalmic specialist.
to pay damages in respect of:                                      employment, service or apprenticeship with           independently of any other cause result in your death
                                                                                                                                                                                    b in one eye if the degree of sight remaining after
1 Accidental bodily injury, including death, illness               you when the bodily injury, illness or disease       or disablement within twelve calendar months of the
                                                                                                                                                                                       correction is 3/60 or less on the Snellen Scale.
  and disease to a person; and/or                                  arises out of and in the course of their             injury, the insurer will pay the following sums insured:
                                                                   employment with you;                                                                                             Permanent total disablement:
2 Accidental loss of or damage to property during                                                                       1 Death, or                                    £10,000
                                                                 b loss or damage to property belonging to or held                                                                  A disability which has lasted for at least 12 months
  the period of insurance.                                                                                              2 Loss of sight of one or both eyes, or        £25,000      from which the insurer believes you will never recover
                                                                   in trust by or in the custody or control of you
The insurer will indemnify you for all such damages                other than temporary accommodation occupied          3 Loss of one or more limbs, or                £25,000      and which prevents you from carrying out any gainful
in respect of each occurrence or a series of                       by you during the period of insurance;                                                                           occupation for which you are reasonably qualified by
                                                                                                                        4 Permanent total disablement                  £25,000
occurrences arising directly or indirectly from one              c bodily injury or damage caused directly or                                                                       way of training, education or experience.
source or original cause.                                                                                               Provided that
                                                                   indirectly in connection with the ownership,                                                                          Note
                                                                   possession or use by you or on behalf of you         a the benefit payable under 1 above is reduced to
                                                                                                                          £1,000 if you are under 16 years of age or 66                  If you were already disabled before the bodily
                                                                   of: aircraft, hovercraft, watercraft (other than                                                                      injury or already had a condition which is
 WHAT YOU ARE NOT COVERED FOR                                      non-mechanically powered watercraft),                  years of age or over at the time of death
                                                                                                                                                                                         gradually getting worse, the insurer may reduce
 Exclusions applicable to Section B                                mechanically propelled vehicles (other than          b the total compensation in respect of any one                   their payment. Any reduced payment will be based
 1 The insurer will not pay the policy excess as                   wheelchairs, electric wheelchairs and mobility         insured person shall not exceed £25,000.                       on their medical assessment of the difference
   shown in the 'General exclusions' section.                      scooters, golf buggies used on golf courses                                                                           between:
                                                                                                                        Section specific definitions
 2 The insurer will not pay for anything mentioned in              and not on public roads), firearms (other than                                                                        1 the disability after the bodily injury; and
   the 'General exclusions' section.                               sporting guns);                                      Loss of one or more limbs:                                       2 the extent to which the disability is affected by
                                                                                                                        loss or severance at or above the wrist or ankle or                  the disability or condition before the accident
                                                                                                                        total permanent loss of use of an entire arm or leg.

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