Travel Insurance Basic, Classic and Premium Cover - Your Travel Insurance Policy

 
Travel Insurance Basic, Classic and Premium Cover - Your Travel Insurance Policy
Travel Insurance
Basic, Classic and Premium Cover

Your Travel
Insurance Policy

travel

                      Your holiday Handled with care
Travel Insurance Basic, Classic and Premium Cover - Your Travel Insurance Policy
Relax... we’ve got you covered
Thank you for choosing to insure with
the Post Office®
The enclosed policy will outline everything you need to
know about your cover. Have a read and make sure you’re
completely happy. If you have any problems or questions
please don’t hesitate to call us on any of the numbers below:

Useful numbers                             Optional add-ons
                                           Whether you’re off to the slopes or
To make a claim
                                           planning to shop till you drop on
Call 0845 602 5279                         holiday, check out our great insurance
See pages 28 to 29 to make a claim         add-ons for a more tailored policy,
                                           see page 31.
For medical screening                      Give us a call on 0800 107 1293.
Call 0845 602 5275
See pages 3 & 4 for more information

For emergency
medical assistance
Call +(44) 23 8064 4633
See page 4 for more information

To talk about your policy
Call free on 0800 107 1293

                                       2
Travel Insurance Basic, Classic and Premium Cover - Your Travel Insurance Policy
Health Declaration
Post Office® Travel Insurance contains health restrictions. You must read the following
important information.

Medical Exclusions
If, at the time of purchasing this policy, or when booking a trip under an Annual Multi-Trip policy, the following
criteria apply to you or anyone insured under this policy, you will not be covered for any claim arising directly
or indirectly from that medical condition.

                                       Medical Exclusions Criteria

   A       Anyone who has been referred to and is still waiting to be seen by a hospital doctor

           Anyone who is waiting for an operation, post operative check-up, any other hospital treatment,
   B       or any medical investigations, tests or test results

   C       Anyone who has been given a terminal prognosis by a doctor

           Anyone who is travelling against the advice of a doctor, or in order to obtain medical advice
   D       or treatment abroad

Health Questions
If anyone insured under this policy answers ‘Yes’ to any of the following questions when this insurance is
purchased, or when booking a trip, this policy will not cover any claim arising directly or indirectly from
that condition, unless we have agreed in writing to cover it. To see if we can provide cover for your existing
condition(s) you must phone the Post Office® Medical Screening Line on 0845 602 5275. You may have to
pay an extra premium to include cover for your medical conditions:

                                                   Questions
            Has anyone been admitted to hospital overnight or treated as a day-patient
   1         in the last 12 months?                                                               Yes       No

            Has anyone ever been diagnosed with or received treatment for any
   2        heart/cardiac problem?                                                                Yes       No
            
            Does anyone have a breathing condition for which they take more than
            2 prescribed medications, or has their medication changed in the last
   3        6 months or which in the last 5 years has required the use of supplementary           Yes       No
            oxygen or the use of a nebuliser?
            
            Has  anyone ever been diagnosed with or had treatment for any circulatory
            condition including stroke, TIA, diabetes, blood clots or high blood pressure
   4        (unless blood pressure is stable and controlled by no more than 1 medication          Yes       No
            and you have no other medical conditions)?
            Has anyone been diagnosed with or had any treatment in the last 5 years
   5        for any type of cancer, leukaemia or brain tumour?                                    Yes       No

            
            Has anyone ever had an organ transplant, been on kidney dialysis,
   6        dementia or any other psychiatric or psychological illness?                           Yes       No

                                                          3
Health Declaration                                                    continued

Changes to your health (applies to Annual Multi-Trip policies only)
If, after purchasing this policy, any person named on the policy develops a new condition or has a change in
medical condition that has already been declared to us, which means you are unable to agree the declaration
on page 3, you must contact the Post Office® Medical Screening Line immediately on 0845 602 5275. Cover
will automatically continue for any trips you had booked prior to the change in your health providing you are
not travelling against medical advice or to get medical treatment. If your change in health means you cannot
continue with your pre-booked trip, you may be entitled to claim for the cost of cancelling your trip. For further
trips you wish to book, we will tell you if the change in your health will affect your insurance and if cover can
continue; we may amend the terms of your policy or cancel it providing you with a pro rata refund of premium.

For a close relative, business associate or travel companion
who is not insured but whose health may affect the trip
If, at the time of taking out this insurance (or booking the trip if this was later) your close relative, business associate
or travel companion had a medical condition for which he or she:
•	was receiving treatment at hospital (other than where they go to hospital for check-ups for a stable condition,
    at regular intervals which have been arranged beforehand)
•	was waiting for a hospital consultation, investigations or treatment (other than where they go to hospital for
    check-ups for a stable condition, at regular intervals which have been arranged beforehand)
• 	had been given a terminal prognosis, or been told that their condition is likely to get worse in the next 12 months.
We will not pay for any claim you (or any insured person) make, that has anything to do with the medical condition
of that close relative, business associate or travel companion.

24 Hour Worldwide Emergency
Medical Assistance
(This service is only for emergencies)
Assistance International
If you need help in a medical emergency, please call: +(44) 23 8064 4633. We may record or monitor calls
for training purposes or to improve the quality of our service. When you contact Assistance International
let us know you have a Post Office® policy. We will need some contact details for you so that we can keep
in touch. Please try to have these and other useful information to hand.

Getting you home
If you are too ill to return home using your return travel tickets, Assistance International can arrange other
travel for you. In special circumstances, they will arrange a road or air ambulance. Before you travel, the
doctors looking after you must provide a certificate confirming that it is medically necessary for you to return
home and that you are fit to travel. The conditions of Section 4 – Medical Emergency and Associated Expenses
and Condition 5 of the General Conditions applying to all Sections also apply to the service provided by
Assistance International.

Please contact us as soon as possible if:
• 	you are likely to be in hospital for more than 48 hours
• 	you may need to return home early
• 	you do not have the funds to cover your medical costs
    (it may be more convenient for you to pay smaller costs and claim afterwards).

                                                              4
Contract of Insurance
Contents
Medical Exclusions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  3
Health Questions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  3
Emergency Medical Assistance . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  4
Part A – Important Information . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  6
Part B – Definitions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  9
Part C – Cover & Conditions for each Insured person . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11
  Section 1 – Cancellation and Curtailment. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 11
  Section 2 – Delayed Departure .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12
  Section 3 – Missed Departure .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13
  Section 4 – Medical Emergency and Associated Expenses . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .14
  Section 5 – Hospital Benefit . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14
  Section 6 – Personal Accident .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 14
  Section 7 – Personal Belongings . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 16
  Section 8 – Personal Money and Documents . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17
  Section 9 – Loss of Passport . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 17
  Section 10 – Personal Liability . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 18
  Section 11 – Travel Legal Guard . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 18
  Section 12 – Legal Consultation . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20
  Section 13 – Mugging .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20
  Section 14 – Catastrophe Cover . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 20
  Section 15 – Homecare . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 21
  Section 16 – Scheduled Airline Failure Cover . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 21
  Section 17 – Financial Failure Cover .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 21
  Section 18 – Petcare .. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 22
  Section 19 – Hijack, Kidnap & Illegal Detention Cover . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 22
Part D – Optional add-ons . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 22
  Winter Sports
  Section 20 – Winter Sports Equipment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 23
  Section 21 – Ski Hire . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 23
  Section 22 – Ski Pack. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 23
  Section 23 – Piste Closure . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 23
  Section 24 – Avalanche and Landslide . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 24
  Optional Golf Cover . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 24
  Section 25 – Golf Equipment . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 24
  Section 26 – Golf Equipment Hire . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 24
  Section 27 – Green Fees . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 24
  Optional Extended Baggage Cover . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 25
  Section 28 – Extended Baggage . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 25
Part E – General Conditions and Exclusions . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 25
Part F – Complaints Procedure . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 27
Part G - Claims Procedure . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 28
Part H - Other information. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 29
Post Office® Travel Advice Helpline. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 30
Schedule of Benefits. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 32

                                                                              5
Contract of Insurance

Part A – Important Information                                   One-Way Cover
                                                                 This insurance is designed to cover a round trip
This policy has been arranged by Aon Limited for                 which starts and finishes at your home in the United
the Post Office® and is underwritten by Ageas                    Kingdom. It will also provide cover for one-way trips
Insurance Limited apart from Section 17 - Financial              of up to a maximum of 17 days duration, for the
Failure Cover, which is provided and administered                purpose of emigration only. The insurance will be
by International Passenger Protection Limited and                restricted to the cover and conditions that would
underwritten by a consortium of insurers and                     have applied if you had arranged to return to
certain underwriters at Lloyd’s, London detailed                 the United Kingdom at the end of the period
in Section 17. We are required to tell you some                  of insurance.
important features of your policy including:
                                                                 Limit of Cover
Policy Wording Booklet                                           Each Section of the policy shows the most you
This policy wording booklet gives you full details               can claim, but other limits may apply. Your policy
of the cover and the conditions you must satisfy to              schedule will show the level of cover you have
ensure you are fully covered. Please read this carefully,        purchased. Please check your policy carefully
especially the Declaration on pages 3 and 4. Call us             to insure you have adequate cover.
on 0800 107 1293 if you need any further help
and advice.
                                                                 Looking After Your Belongings
                                                                 You should take all reasonable care to protect
Conditions and Exclusions                                        your belongings and act as if you are not insured.
There are conditions and exclusions which apply                  If you do not do this we may not pay your claim.
to individual Sections of the policy and general
exclusions which apply to the whole policy
– see pages 25 to 27.
                                                                 Cancellation Rights
                                                                 You can cancel this policy within 14 days from the
                                                                 date you receive the policy wording booklet and
Eligibility                                                      policy schedule. We will then refund your premium
To be eligible for this insurance:                               in full. No refund of premium is available after the
• 	you must be a full United Kingdom resident and;              14-day period. A refund premium is only available
• 	have a United Kingdom home address and;                      for a Single Trip policy if the period from the date
• 	each trip must start and finish in the United Kingdom.       of issue of the policy to your scheduled return date
                                                                 home is greater than 28 days. If you have any
                                                                 questions on this matter or wish to cancel your
Age Limit                                                        policy please contact Post Office® Travel Insurance
For Basic and Premium policies you must be under                 on 0800 107 1293.
65 years of age at the start date of the policy. For
Annual Multi-Trip Classic policies you must be under             UK Trips
75 years of age on the date of purchasing the policy.
For Classic Single Trip policies there is no age limit.          For Annual Multi-Trip insurance, cover for United
                                                                 Kingdom will be applicable only where a minimum
                                                                 of two nights’ payable accommodation has been
Maximum Trip Duration                                            pre-booked for your trip.
The maximum trip duration will be shown on your
policy schedule. Your policy schedule will also show
you when your cover starts and finishes.

                                                             6
Excesses/Excess Waiver                                         Reciprocal Health Agreement
Under some Sections of the policy, claims will be              If you are travelling to a European Union Country
subject to an excess. This means that each insured             you should apply for a European Health Insurance
person will be responsible for the first part of their         Card (EHIC) by visiting www.dh.gov.uk/travellers.
claim for each event. Where your Policy Schedule               The EHIC allows you to receive free or reduced cost
shows that you have added Excess Waiver (Classic and           emergency medical care in most European countries
Premium cover only) and the appropriate premium                from the equivalent of the National Health Service
has been paid you will not have to pay the relevant            in the country you are visiting. If you make use of
Excess shown under Sections 1, 2, 4, 7, 8, 9 and               these arrangements or any other worldwide reciprocal
20 of the policy. Excess Waiver may be added only              health arrangement and your claim under the Medical
at the time of purchasing the Post Office® Travel              Emergency and Associated Expenses Section is
Insurance policy and must be purchased by each                 reduced, you will not have to pay any excess under
insured person named on the policy schedule.                   this Section.

Renewals                                                       Geographical Areas
If you have an Annual Multi-Trip policy, we will               (applicable when selecting the
send you a renewal notice prior to the expiry of               correct policy type for your destination)
your policy in time to allow you to consider and               Area 1 UK – including Great Britain, Northern Ireland,
arrange any continuing cover you may need.                     the Isle of Man and the Channel Islands.
                                                               For Annual Multi-Trip insurance, cover for the United
Complaints                                                     Kingdom will be applicable only where a minimum
This policy contains a complaints procedure, which             of two nights’ payable accommodation has been
tells you what steps you can take if you wish to               pre-booked for your trip.
make a complaint – see pages 27 and 28.                        Area 2 Europe – all European countries including
                                                               Eire (Republic of Ireland), Russia (west of the Ural
Making a Claim                                                 Mountains), islands in the Mediterranean, the Azores,
                                                               the Canary Islands, Madeira, Iceland, Israel, Tunisia,
To help us deal quickly and efficiently with your claim,
                                                               Algeria and Morocco, but excluding any cover for
please read the claims procedure in Part G and the
                                                               Egypt and Turkey.
General Conditions and Exclusions on pages 25 to
27. This tells you what documents you will need to             Area 3 Worldwide – including all destinations not
support your claim. Some documents may be needed               covered by Areas 1 and 2 but excluding any cover
to support your claim; for example, for certain claims,        for the USA, Canada or the Caribbean.
a police report must be obtained while you are on              Area 4 Worldwide – including all destinations not
your trip.                                                     covered by Areas 1, 2 and 3, inclusive of the USA,
                                                               Canada and the Caribbean.
Medical Emergency
If you need assistance in the event of a medical               Policy Information
emergency, please contact Assistance International             If you require information or advice on any aspect
immediately (see page 4). Please read Section 4                of this policy please contact us on 0800 107 1293.
– Medical Emergency and Associated Expenses
on page 14 of this policy for details.

                                                           7
Contract of Insurance
Sports and Activities
The following list details the sports and activities that this policy will cover as standard for no extra charge:

• Abseiling - professionally             • Fell walking - no picks                • Land skiing                  • Sail boarding
  organised & supervised                     or ropes                               • Lapland trips - skidooing,   • Sailing - coastal waters
• Aerial safaris - in                    • Fencing - amateur only                    husky dog sledge and           only - up to 12 miles
  chartered aircraft & an                 • Fishing                                   reindeer sledge (all as        from coast*
  organised excursion                                                                  a passenger only)            • Sand dune surfing
                                          • Football - not
• Angling                                   professional, semi-                    • Marathon running -           • Scuba-diving - to a
• Archery - properly                        professional or                           not professional               depth of 30 metres &
  supervised                                 major competition                      • Motorcycling - not racing      only if accompanied by
• Badminton                                 or tournament                             or competing*                  a qualified diver or if
• Banana Boat                            • Gliding - not piloting                 • Netball - not professional     you are qualified
                                             & subject to flying with                  or semi-professional         • Shark diving in a
• Baseball - non
                                             qualified pilot                        • Non competitive                cage under water -
  professional
                                          • Go-karting - up                           running - not exceeding        professionally supervised
• Basketball - non
                                             to 120 cc*                                26.2 miles                   • Shooting - range only
  professional
                                          • Golf                                   • Orienteering                   (must be adequately
• Bowls
                                          • Gorilla trekking                                                         supervised*)
• Camel riding - not racing                                                        • Paint balling - war games
                                          • Gymnastics                             • Paragliding/Parascending     • Skateboarding
• Canoeing/Rafting/White
                                          • Hiking/Walking/                           over water - only when       • Skin diving - see
  water rafting -
                                             Trekking - no ropes                       attached to a speedboat        scuba diving
  up to category 2
                                             or equipment & on                      • Passenger sledge             • Sledding
• Catamaran sailing - up to
                                             recognised routes                      • Pony trekking                • Small bore target
  12 miles from coast only*
                                          • Horse riding - excluding                                                 shooting*
• Cave tours - for school                                                          • Powerbykes - up to
                                             jumping, hunting &                        15 mph     *                 • Snorkelling
  children only, when
                                             competition                                                            • Summer tobogganing
  accompanied by a                                                                  • Quad biking - only if
  qualified guide                         • Hot air ballooning -                      wearing a helmet and         • Surfing
                                             licensed operation only,                  protective clothing and in
• Clay pigeon shooting -                                                                                           • Swimming
                                             not piloting                              a controlled environment,
  organised event                                                                                                   • Table tennis
• Cross-country running                  • Ice skating on ice - rink                 up to 125cc, not racing
                                                                                       or competing*
                                                                                                                    • Ten pin bowling
• Curling                                • Indoor climbing - at
                                             a properly organised                   • Racket ball                  • Trekking
• Cycling - transport only,                 activity centre                                                        • Tug-of-war
  excludes mountain biking                                                          • Rambling
                                          • Jet boating                            • Rifle range*                 • Volleyball
• Deep sea fishing - game                   (as a passenger only)
                                                                                    • Ringos                       • Wake boarding
  fishing
                                          • Jet skiing*                                                            • Water polo
• Dinghy sailing - up to 12                                                        • River bugging
  miles from coast only*
                                          • Kite boarding - not                                                    • Waterskiing
                                                                                    • River sledding
                                             racing (no cover for                                                   • Wilderness walking
• Driving a car, van,                       kite damage)                           • Roller skating/blading/
  lorry - excludes                                                                     hockey - incidental            - organised tour
  professional drivers*
                                          • Kite buggying - not                                                      (recognised routes)
                                             racing (no cover for                   • Rounders
• Driving or riding on a                                                                                           • Windsurfing
                                             kite damage)                           • Rowing
  motorcycle or moped                                                                                               • Yachting - coastal waters
                                          • Kite surfing - not                     • Safaris without guns -         only - up to 12 miles
• Dry slope skiing                          racing (no cover for                      professional organised
                                                                                                                      from coast*
• Fell running                              kite damage)                              tours only
                                                                                                                    • Zorbing.

There is no cover under Section 10 - Personal liability for those sports or activities marked with*

                                                                                8
Winter Sports and Activities                                  • Pot holing
The following list details the winter sports and              • Rugby
activities that this policy will cover if you have            • Scuba diving - to a depth of 30-40 metres
chosen to include Winter Sports cover and paid the            • Sea kayaking - coastal waters only -
additional premium and your Policy Schedule shows                up to 12 miles from the coast
that Winter Sports cover is included.
                                                              • Shinty
• Cross-country skiing
                                                              • Squash
• Curling
                                                              • Team building
• Dog sledding
                                                              • Trampolining
• Downhill skiing
                                                              • Weightlifting.
• Glacier walking
• Heli-skiing                                                There is no cover for any insured person participating
                                                              in any professional or semi-professional activities,
• Ice skating                                                competitive events or tournaments.
• Mogul skiing                                               If you intend to undertake any activity not listed
• Mono skiing                                                in the policy that may be considered hazardous or
• Skiing on- or off-piste (off-piste only                    you require confirmation of whether your activity is
   with a qualified guide or instructor)                      insured, please call us on 0800 107 1293. We may
                                                              be able to cover your activity as standard, or in some
• Snowboarding on- or off-piste (off-piste                   cases for an additional premium.
   only with a qualified guide or instructor)
• Snowmobiling*
• Speed skating
                                                              Part B – Definitions
• Tobogganing.                                               Wherever the following words appear in the policy
                                                              they will have the following meanings:
Hazardous Sports and Activities
                                                              Accident/Accidental
The following list details the hazardous sports and           A sudden event, which happens by chance after the
activities that this policy will cover if you have paid       start date of the policy and results in your bodily injury.
the additional premium and your Policy Schedule
shows that these are included under Hazardous                 Acts of Terrorism
Activities. You will need to call us on 0800 107 1293         An act, including but not limited to the use or threat
to arrange cover for any activity listed and to pay the       of force or violence, by any person or group, whether
additional premium.                                           acting alone or on behalf of or in connection with
• Athletics - non-professional                               any organisation(s) or government(s), committed
• Australian Rules Football - non-professional               for political, religious, ideological or ethnic purposes
                                                              or reasons, including the intention to influence any
• Biathlon/Triathlon/Pentathlon                              government and/or to cause fear to the public, or
• Bungee jumping                                             any section of the public.
• Canoeing/Rafting - above category 2
                                                              Bodily Injury
• Cattle driving
                                                              Injury to your body which is caused solely by violent,
• Cricket - not professional or semi-professional            accidental, external and visible means. This does not
• Cycle racing                                               include any sickness, disease or naturally occurring
• Endurance tests - triathlon                                condition, or gradually operating or degenerative
                                                              process.
• Gymkhana - professionally organised tours
• Heptathlon                                                 Booked Scheduled Transport
• High diving - pool only                                    The following regular scheduled forms of transport:
• Hockey                                                     Train, Coach, Bus, Aircraft or Sea Vessel which run to a
                                                              timetable and where you are a fare-paying passenger,
• Hurling                                                    and pre-booked Taxis.
• Lacrosse
• Mountain biking
• Pelota

                                                          9
Contract of Insurance
Close Relative                                                    • Cover under all other Sections begins when you
Your mother, father, sister, brother, wife, husband,                 leave home to go on your trip and ends when you
fiancé(e), partner, daughter, son, grandparent,                      arrive home from that trip.
grandchild, parent-in-law, son-in-law, daughter-                  • There is no limit to the number of leisure trips
in-law, sister-in-law, brother-in-law, step-parent,                 you may take, but each trip must be shorter than
step-child, stepsister, stepbrother, aunt, uncle, cousin,           31 days. This can be extended to 45 days if you are
nephew, niece.                                                      under the age of 65 at the start date of the policy and
                                                                    have paid the additional premium and this is shown
Business Associate                                                  on your Policy Schedule. The start and finish dates of
Anyone who works at your place of business and who,                 the trip must fall within the 12 month period of the
if you were both away from work at the same time,                   Annual Multi-Trip insurance or within a period
would prevent the business from running properly.                   of continuous Post Office® Travel Insurance cover.
                                                                  • For persons under the age of 65 at the start date
Curtailment / Cutting short your trip                                of the policy and if you have paid the appropriate
Your early return to home before the scheduled                       premium to include winter sports the maximum
return date.                                                         period of cover provided for winter sports is 21 days
Family                                                               in total during the 12 month period of insurance.
                                                                     Cover is provided for more than one winter sports
Lone parents or two adults who are married or                        trip provided you do not exceed 21 days in total.
living together as married and an unlimited number
of dependent children (including sons, daughters,                 •F  or trips booked during the 12 month period of
grandchildren, nieces or nephews of those taking                     insurance that start after the end of that period, we
out lone parent or family cover) under the age of                    will provide cancellation cover until the policy ends.
18. Insured adults can travel independently but                   For all trips:
dependant children must travel with the insured                   •T  he insurance is only valid if you have insured the
adult or, under an Annual Multi-Trip policy, be                      whole duration of each individual trip, as shown
travelling to or returning from the insured adult.                   on your policy schedule. For Annual Multi-Trip this
                                                                     will either be a maximum trip duration of either 31
Hazardous Activities                                                 days or 45 days per trip, as shown on your policy
An activity which may increase the risk of injury                    schedule. This means that you would not be covered
or liability for an insured person or persons.                       for any part of a trip which is longer than the insured
(Please see page 9).                                                 trip duration shown on your policy schedule.
Home                                                              • We will extend the period of insurance by up to
Your permanent private residential address                           30 days, at no extra cost, if you have to stay on your
in the United Kingdom.                                               trip longer because of events which you have no
                                                                     control over. If the transport you are on is hijacked,
Period of Insurance                                                  we will automatically provide worldwide cover.
The period you are covered for. The time that cover                  The period of insurance will continue for up to
for particular Sections starts and ends is given in                  12 months without extra charge.
more detail below.
                                                                  Permanent total disablement
For Single Trip insurance:                                        Total and permanent disability which medical
•C  ancellation cover starts at the date and time                evidence confirms will prevent you undertaking paid
   of issue recorded as part of your application                  work of any and every kind for the rest of your life.
   and as shown on your policy confirmation,
   and ends when you leave home to go on your trip.               Personal Belongings
• All other cover begins when you leave home to go               Personal effects owned by you and taken,
   on your trip and lasts until you arrive home, as long          worn or purchased on the trip.
   as that is within the period of insurance paid for. The
   maximum duration of any trip is 90 days.                       Personal Money and Documents
                                                                  Cash (coins and notes), travellers’ cheques, postal
For Annual Multi-Trip insurance:
                                                                  and money orders, travel or admission tickets,
• Cancellation cover starts when you book each                   coupons or vouchers which have a monetary value
   trip or at the date and time of issue recorded as              – passports, visas and green cards you have for your
   part of your application as shown on your policy               private use on the trip.
   confirmation, if this is later.

                                                             10
Trip                                                                   (b)	You or your travelling companion being required
Any return journey that starts and finishes from your                       by the police to stay at home as a result of
home or place of business in the United Kingdom                             burglary, or serious damage by fire, explosion,
and which lasts, or is scheduled to last, for no more                       subsidence, storm flooding, vandalism, fallen
than 90 days for a Single Trip policy or 31 days for                        tree or impact by aircraft or vehicle to your or
each trip for an Annual Multi-Trip policy (or as stated                     their home or usual place of business in the
on your policy schedule or policy endorsement).                             United Kingdom.
                                                                       (c)	You or your travelling companion being required
United Kingdom                                                              for jury service or as a witness in a court of law
(for the purpose of determining where your                                  in the United Kingdom.
trip should begin and end)                                             (d)	You being made involuntarily redundant if you
Great Britain, Northern Ireland, the Isle of Man                            are under 65 and have 2 years’ continuous
and the Channel Islands.                                                    employment with the same employer.
                                                                       (e)	You or your travelling companion having agreed
Valuables                                                                   leave subsequently cancelled by the emergency
Jewellery; gold; silver; precious metal or precious                         services or armed forces, for operational reasons.
stone articles; watches; furs; radios; binoculars;                          This cover does not apply to cancellation of leave
telescopes; audio; photographic; video; computer;                           due to war, invasion, acts of terrorism, hostilities
television and telecommunication equipment;                                 (whether war be declared or not), civil unrest,
computer games; portable navigation equipment;                              revolution, rebellion, act of foreign enemy or
pre-recorded films; tapes; cassettes; compact or                            any similar event.
computer discs and cartridges; sports equipment.                   2.	We will pay you up to the value stated in the table
                                                                       on page 32 for your chosen cover in respect of
We/Us/Our                                                              expenses you have paid or legally have to pay
The Insurer, Ageas Insurance Limited. The cover                        for travel (including pre-paid excursion fees) and
under Section 17 is provided and administered by                       accommodation which you do not use if you cut
International Passenger Protection Limited and                         short your trip as a result of:
underwritten by a consortium of insurers and certain                   (a)	Your death, injury or illness or that of your
underwriters at Lloyd’s, London detailed in Section 17.                     travelling companion, the person you are going
Ageas Insurance Limited and International Passenger                         to stay with, a close relative or business associate.
Protection Limited are authorised and regulated by the
                                                                       (b)	You or your travelling companion being required
Financial Services Authority.
                                                                            by the police to stay at home as a result of
You/Your                                                                    burglary, or serious damage by fire, explosion,
                                                                            subsidence, storm flooding, vandalism, fallen tree
Any insured person whose name appears
                                                                            or impact by aircraft or vehicle to your or their
on the policy schedule.
                                                                            home or usual place of business in the United
                                                                            Kingdom.
Part C – Cover and Conditions                                          (c)	You becoming injured or ill and being admitted
for Each Insured Person                                                     to hospital for the rest of your trip.
                                                                   As well as the general conditions and exclusions
Section 1 – Cancellation and Curtailment                           on pages 25 to 27 the following conditions and
1.	We will pay you up to the value stated in the table            exclusions apply.
    on page 32 for your chosen cover option for unused
    travel and accommodation charges (including unused             Cancellation and Curtailment Exclusions
    kennel and cattery expenses up to £250) which are              1.	You are not covered for claims caused directly
    not recoverable elsewhere and which you have paid                  or indirectly from the following:
    or contracted to pay should you have to cancel your                (a)	Any circumstances you were aware of at the
    trip before you leave your home or place of business                    time this insurance was bought, or at the time
    as a result of the following commencing during the                      of booking your trip, which later led to your trip
    period of insurance:                                                    being cancelled or cut short, unless we agreed
    (a)	Your death, injury or illness or that of your                      in writing, before the trip, to cover it.
         travelling companion (not including a tour leader             (b)	Booking and/or travelling against the advice
         or someone you have paid to provide any part of                    of a doctor.
         your trip), the person you are going to stay with,            (c) Your disinclination to travel.
         a close relative or business associate.

                                                              11
Contract of Insurance
    (d)	You not having the correct passport, visa or              Section 2 – Delayed Departure
         other entry documents.
    (e)	Your decision not to go or continue with the                                       Delayed Departure
         trip for reasons other than those listed above.
                                                                                                 Basic Policy
    (f)	Your suicide, attempted suicide, intentional self-
         injury or deliberate exposure to danger (unless                                                         Limit of      Policy
                                                                                   Cover
         in an attempt to save someone’s life).                                                                Cover (up to)   Excess
    (g)	You being under the influence of alcohol, solvents
                                                                    Delayed Departure                              £200        No Excess
         or drugs (except drugs prescribed by a doctor               £15 for first 8 hours
         other than for the treatment of drug abuse).                £15 for each 12 hour period thereafter
                                                                     Abandonment after 12 hours                    £500          £100
2.	We will not pay any claim resulting directly
    or indirectly from you participating in any                                                 Classic Policy
    hazardous activity.
3.	If you do not tell the travel agent, tour operator                                                           Limit of      Policy
                                                                                   Cover
    or organisations providing transport and                                                                   Cover (up to)   Excess
    accommodation as soon as you need to cancel                     Delayed Departure                              £300        No Excess
    your trip, the amount we pay will be limited to                  £20 for first 8 hours
                                                                     £20 for each 12 hour period thereafter
    the cancellation charges that would have applied                 Abandonment after 12 hours                   £5,000         £60
    at that time.
4.	We will not pay the excess value stated in the table                                      Premium Policy
    on page 32 for your chosen cover option (reduced
                                                                                                                 Limit of      Policy
    to £10 for loss of deposit only claims) for any loss,                          Cover
                                                                                                               Cover (up to)   Excess
    charge or expense incurred in respect of every
    claim made for each of you under this Section.                  Delayed Departure                              £400        No Excess
                                                                     £25 for first 8 hours
    For Classic and Premium cover only, you will not                 £25 for each 12 hour period thereafter
    have to pay the excess if you have paid the excess               Abandonment after 12 hours                   £10,000        £45
    waiver premium.

Conditions Applying to Curtailment                                 What is covered (Basic and Classic Cover Only)
1.	If you have to return home early Assistance                    If the transport on which you are booked as
   International must be called immediately or                     a passenger for your outward or return journey
   as soon as reasonably possible to authorise                     is delayed or cancelled due to:
   any expenses. If you do not do this we may                      • A serious fire, storm or flood damage to the
   not pay your claim.                                                departure point
2.	You must not arrange in-flight medical care for                • Industrial action
   your return journey without the permission of                   •B  ad weather
   Assistance International. Our medical advisers will             •M  echanical breakdown of the international train
   consult with the doctors treating you to decide on                 or sea vessel; or
   reasonable grounds if this is necessary and will
                                                                   •T  he grounding of the aircraft due to a mechanical
   make the most appropriate arrangements for you.
                                                                      or a structural defect.
3.	We may instruct you to return home if our
                                                                   We will pay you one of the following:
   medical advisers and the doctors treating you
   decide on reasonable grounds that you are fit                   Either
   to travel. If you refuse to be repatriated all cover            1. Compensation up to the value stated in the
   under the policy will cease.                                        above Delayed Departure table according to the
4.	Before you return home for medical reasons you                     level of cover chosen. Delay benefit will be based
   must get a doctor’s certificate to confirm that this                on the difference between the actual time of
   is necessary and you are fit to travel.                             departure and the scheduled departure time.
                                                                   or
                                                                   2. Abandonment up to the value stated in the
                                                                       above Delayed Departure table according to the
                                                                       level of cover chosen (including unused kennel
                                                                       or cattery expenses up to £250) in total for your

                                                              12
part of the costs or the journey which have been              2.	We will not pay the excess value stated in the
  paid or where there is a contract to pay before                  above Delayed Departure table for your chosen
  the start of the journey which you cannot recover                cover option for every claim made for each of you
  from anywhere else, if, after you have been                      under Abandonment. For Classic and Premium
  delayed for more than 12 hours, you decide                       cover only, you will not have to pay the excess
  to abandon the journey before you leave the                      if you have paid the excess waiver premium. No
  United Kingdom.                                                  excess is payable in respect of claims for delay
                                                                   compensation only.
What is covered (Premium Cover Only)
If the transport on which you are booked as a                   Conditions Applying to Delayed Departure Claims
passenger for your outward or return journey                    1.	You must ask the airline or transport company
is delayed or cancelled for reasons which you                      to confirm in writing:
(or the tour operator) cannot control, we will                     (a) the cause of delay or cancellation
pay you one of the following:                                   	(b)	the period of the delay
Either                                                          	(c) the scheduled time of departure and arrival, and;
1. Compensation up to the value stated in the                   	(d) the actual time of departure and arrival.
above Delayed Departure table according to the
level of cover chosen. Delay benefit will be based              Section 3 – Missed Departure
on the difference between the actual time of
departure and the scheduled departure time.                     What is covered
or                                                              If one of the following takes place during the period of
2. Abandonment up to the value stated in the above              insurance you will be covered up to the value stated on
Delayed Departure table according to the level of               page 32 for your chosen cover option for the cost of
cover chosen (including unused kennel or cattery                reasonable extra accommodation and travel expenses
expenses up to £250) in total for your part of the              to allow you to carry on with your trip, if you arrive at
costs or the journey which have been paid or where              your international or final departure point too late to
there is a contract to pay before the start of the              board your booked scheduled transport:
journey which you cannot recover from anywhere                  1.	Labour dispute, civil disturbance, mechanical
else, if, after you have been delayed for more than                 breakdown or bad weather which interrupts your
12 hours, you decide to abandon the journey before                  booked scheduled transport services including
you leave the United Kingdom.                                       booked connecting flights;
As well as the general conditions and exclusions                2.	An accident or breakdown involving the vehicle in
on pages 25 to 27 the following conditions and                      which you are travelling in and which causes you
exclusions apply:                                                   to arrive at the airport, port or station you are
                                                                    leaving from on your outward or return journey
Delayed Departure Exclusions                                        too late to start the journey you have booked;
(Basic, Classic and Premium)                                    3.	A road traffic accident involving another vehicle
1.	You are not covered for claims caused directly                  en route to the airport, port or station you are
   or indirectly from the following:                                leaving from on your outward or return journey
   (a)	Claims caused by strike, industrial action or               which causes you to arrive too late to start the
        any other reason which was public knowledge                 outward or return journey you had booked.
        when this policy was bought or your trip was            As well as the general conditions and exclusions
        booked.                                                 on pages 25 to 27, the following conditions apply.
   (b)	Delay as a result of your failure to check in
        at your departure point on time.                        Conditions applying to Missed Departure
   (c)	Any amounts you can recover from someone                1.	You must do all that you can to arrive at
        or somebody else.                                           the airport, port or station you are leaving
                                                                    from on time.
   (d)	The recommended closure of airspace
        for reasons of safety or otherwise by any               2.	In the case of a labour dispute, you will only
        government, public or local authority including             be covered if the dispute is announced and
        but not limited to any civil or federal aviation            begins during the period of insurance.
        authority – Applicable to Basic and Classic
        cover only.

                                                           13
Contract of Insurance
3.	If you miss the departure because your vehicle             2.	If you are travelling within the United Kingdom we
    breaks down or you are involved in an accident,               will pay you up to £10,000 for any necessary and
    you must send us a repairer’s report or police                reasonable expenses caused by your illness, injury or
    accident report.                                              death occurring during the period of insurance for:
4.	If you miss the departure because of a road traffic           (a)	Extra travel and accommodation expenses
    accident involving another vehicle, you must send                  if you are advised by a doctor that such travel
    us confirmation from the police or motoring                        or accommodation is necessary.
    authorities (e.g. Highways Agency, RAC, AA etc)               (b)	Extra travel and accommodation expenses
    to confirm the delay.                                              where a doctor has advised it is necessary
                                                                       for one person to stay with you or to travel to
Section 4 – Medical Emergency and                                      be with you if you are seriously ill or injured.
Associated Expenses                                               (c)	The extra cost of bringing your body or
                                                                       ashes home.
1.	If you are travelling outside the United Kingdom
                                                                  (d)	Extra expenses necessarily incurred to transfer
   we will pay up to the value stated in the table
                                                                       you by ambulance to a hospital or nursing
   on page 32 for your chosen cover option for any
                                                                       home nearer your home.
   necessary and reasonable expenses caused by
   your illness, injury or death commencing and                   (e)	Extra expenses necessarily incurred to recover
   occurring during the period of insurance for                        your car and your personal belongings to your
   the following:                                                      home if you and no other person travelling
                                                                       with you at the time of your discharge from
   (a)	Expenses you would have to pay, outside the
                                                                       hospital are able to drive the car.
        United Kingdom and the country where you
        normally live, within 12 months of the start
        of your illness or injury. The expenses must
                                                               Section 5 – Hospital Benefit
        be for medical, surgical and hospital charges,         If you are travelling outside the United Kingdom
        ambulances, nursing homes and nursing.                 we will pay you (£10 Basic cover, £15 Classic cover
   (b)	Emergency dental treatment up to £200                  and £25 Premium cover, for each completed 24
        for the immediate relief of pain only.                 hour period) up to the value stated in the table on
   (c) The extra cost of you returning home.                   page 32 for your chosen cover option if you are
   (d)	Extra accommodation (room only) expenses               kept in hospital during the period of insurance as
        if you are advised by a doctor that you should         an in-patient. Any amount you receive under this
        stay longer than you intended.                         Section will be in addition to any amount that you
                                                               receive under the Medical Emergency and Associated
   (e)	Extra travel and accommodation (room only)
                                                               Expenses Section. You may use this benefit to help pay
        expenses where a doctor has advised it is
                                                               for incidental expenses incurred such as telephone
        necessary for one person to stay with you or
                                                               calls and taxi fares.
        to travel from the United Kingdom to escort
        you home if you are seriously ill or injured.          A medical certificate must be obtained from the
                                                               treating doctor showing the period of admission
   (f) Up to £2,500 for funeral expenses abroad.
                                                               to hospital.
   (g)	The additional cost of bringing your body
        or ashes home.                                         Section 6 – Personal Accident
   (h)	Up to £150 for unrecoverable expenses in
        respect of excursions you have paid for before         If you sustain accidental bodily injury during the
        your departure but which you have not made.            period of insurance and the injury results in your
   (i)	You will be covered for extra travel expenses          death or disability (as listed below) within 12 months
        which are reasonable and necessary if you              from the date of the accident we will pay you (or
        have to return home early because a close              your legal personal representative(s) in the event
        relative or business associate is seriously            of death) the following benefits for your chosen
        ill or injured or has died during the period           cover option:
        of insurance.

                                                          14
Personal Accident                                   (b)	Where you have travelled against the advice
                                                                                 of a doctor or in order to obtain medical
                            Basic Policy                                         treatment or advice abroad.
                                      Limit of Cover   Policy               (c)	Any treatment or surgery which our medical
              Cover
                                          (up to)      Excess                    advisers reasonably believe is not essential
  Death - of a person aged 18 to 70       £5,000                                 or could wait until your return home.
  Death - of a person under the age       £1,000                            (d)	Any treatment or surgery or exploratory
  of 18 or over the age of 70
  Loss of one or more limbs at           £10,000                                 tests which are not directly related to the
  or above the wrist or ankle, or                                                illness or injury for which you originally went
  permanent loss of sight in one                       No Excess
  or both eyes
                                                                                 into hospital (unless agreed by Assistance
  Permanent total disablement -          £10,000                                 International beforehand).
  of a person aged 18 to 70 years
  Permanent total disablement -            £Nil
                                                                            (e) Cosmetic or elective surgery.
  of a person under the age of 18                                           (f)	Medication and treatment which you knew
  or over the age of 70
                                                                                 you would need while you were away.
                           Classic Policy                                   (g)	Any extra costs incurred for a single or
                                      Limit of Cover   Policy                    private room unless medically necessary.
              Cover
                                          (up to)      Excess               (h)	Treatment or services provided by a health
  Death - of a person aged 18 to 70      £15,000                                 spa, convalescent or nursing home or any
  Death - of a person under the age      £1,000                                  rehabilitation centre.
  of 18 or over the age of 70
  Loss of one or more limbs at           £25,000                            (i)	Repairs to or the provision of dentures or
  or above the wrist or ankle, or                                                artificial teeth or any dental work involving
  permanent loss of sight in one
  or both eyes
                                                       No Excess                 the use of precious metals.
  Permanent total disablement -          £30,000                            (j)	Any claim arising from motorcycling where
  of a person aged 18 to 70 years
  Permanent total disablement -            £Nil                                  you are the driver or passenger, unless
  of a person under the age of 18                                                you or the driver holds a current and valid
  or over the age of 70                                                          licence which allows you or them to ride a
                          Premium Policy                                         motorcycle, and you are wearing a helmet.
                                      Limit of Cover   Policy
                                                                            (k)	Your suicide, attempted suicide, intentional
              Cover                                                              self-injury or deliberate exposure to danger
                                          (up to)      Excess
  Death - of a person aged 18 to 70      £30,000
                                                                                 (unless in an attempt to save someone’s life).
  Death - of a person under the age      £1,000                             (l)	You being under the influence of solvents or
  of 18 or over the age of 70                                                    drugs or their effects (except drugs prescribed by
  Loss of one or more limbs at           £30,000
  or above the wrist or ankle, or                                                a doctor other than for treatment of drug abuse)
  permanent loss of sight in one
                                                       No Excess                 or where in the opinion of the treating doctor
  or both eyes
  Permanent total disablement -          £30,000
                                                                                 excessive alcohol consumption has caused the
  of a person aged 18 to 70 years                                                injury or illness.
  Permanent total disablement -            £Nil
  of a person under the age of 18
                                                                            (m)	Any claim resulting directly or indirectly from
  or over the age of 70                                                          you participating in any hazardous activity.
                                                                            (n)	The cost of medical treatment you receive in
                                                                                 the United Kingdom or the country where you
As well as the general conditions and exclusions
                                                                                 normally live.
on pages 25 to 27, the following exclusions and
conditions apply to Sections 4, 5 & 6.                                  2.	We will not pay the excess value stated in the table
                                                                            on page 32 for your chosen cover option for any loss,
Exclusions Applying to Sections 4, 5 & 6 –                                  charge or expense incurred in respect of every claim
Medical Emergency and Associated Expenses,                                  made for each of you under Section 4 - Medical
Hospital Benefit and Personal Accident                                      Emergency and Associated Expenses. For Classic
1.	You are not covered for claims arising directly                         and Premium cover only, you will not have to pay the
   or indirectly from any of the following:                                 excess if you have paid the excess waiver premium.
   (a)	Any circumstances you were aware of at
        the time this insurance was bought, or at
        the time of booking a trip that would result
        in the trip being cancelled or cut short,
        unless, before the trip, we agreed in writing
        to cover it.

                                                                   15
Contract of Insurance
Conditions Applying to Sections 4, 5 & 6 –                          If you accidentally lose or damage your personal
Medical Emergency and Associated Expenses,                          belongings or they are stolen during the period of
Hospital Benefit and Personal Accident                              insurance, you can claim up to the value stated in
1.	Assistance International must be called                         the table on page 16 for your chosen cover option to
   immediately or as soon as reasonably possible                    replace or repair them (after any suitable deduction
   to authorise any expenses for medical treatment                  for wear and tear and depreciation if applicable). For
   abroad or if you have to return home early. If you               Premium cover only, if an original purchase receipt
   do not do this                                                   or valuation is provided we will pay the replacement
   we may not pay your claim.                                       cost (subject to the limits stated in the table on page
2.	You must not arrange in-flight medical care for                 16 applying), otherwise we will assess the claim
   your return journey without the permission of                    after any suitable deduction for wear and tear and
   Assistance International. Our medical advisers                   depreciation if applicable.
   will consult with the doctors treating you to decide             You can claim up to the single article limit stated in
   if this is reasonably necessary and will make the                the table on page 16 for your chosen cover option
   most appropriate arrangements for you.                           for any one item, pair or set. The overall limit for
3.	We may instruct you to return home if our                       valuables is also stated in the table on page 16 for your
   medical advisers and the doctors treating you                    chosen cover option. If your personal belongings are
   decide on reasonable grounds that you are fit to                 temporarily lost for more than 12 hours on the outward
   travel. If you refuse to be repatriated all cover                journey from the United Kingdom we will pay you up to
   under the policy will cease.                                     the delayed baggage limit stated in the table on page
                                                                    16 for your chosen cover option for the purchase of
Conditions Applying to Section 6 –                                  necessary items. If your baggage is permanently lost
Personal Accident                                                   we will deduct any payment made for temporary loss
1.	We will not pay you personal accident benefits for              from the final settlement. All receipts must be produced
   more than one benefit to any one insured person                  as proof of purchase. You will need to report your loss
   for injuries caused by one accident.                             and obtain proof. As well as the general conditions and
2.	If you make a claim, you must allow our medical                 exclusions on pages 25 to 27, the following exclusions
   advisers to examine you as often as they need                    apply to Section 7.
   to. (We will pay any costs and your expenses for                 Personal Belongings Exclusions
   these examinations if we accept your claim.)
                                                                    1.	We will not pay for:
Section 7 – Personal Belongings                                         (a)	More than the value stated in the table on
                                                                             page 16 for your chosen cover option per
Available under Classic and Premium cover only                               person in total for valuables.
                                                                        (b)	More than the value stated in the table on
                          Personal Belongings                                page 16 for your chosen cover option per
                             Classic Policy                                  person for any one article, pair or set of
                                                                             articles.
                                       Limit of       Policy            (c)	More than £250 in total for cigarettes,
              Cover
                                     Cover (up to)    Excess
                                                                             tobacco and/or alcohol purchased by you
 Personal Belongings               £1,500                                   during the period of insurance and for your
   Single article limit             £300
   Valuables limit                  £300
                                                     £60                     own personal consumption.
   Delayed baggage                  £250                                (d)	Breakage of or damage to fragile articles
                                                                             (except lenses in cameras, binoculars,
                            Premium Policy
                                                                             telescopes or spectacles), prosthetics or
                                       Limit of       Policy                 dentures and any other loss caused by the
              Cover
                                     Cover (up to)    Excess                 breakage.
 Personal Belongings               £2,000                              (e)	Loss, theft of or damage to valuables
   Single article limit             £500
                                                     £45
                                                                             which you have left in baggage checked
   Valuables limit                  £500                                     in by a carrier.
   Delayed baggage                  £300
                                                                        (f)	Loss or theft of valuables left at any time
                                                                             in an unattended vehicle.

                                                               16
(g)	Loss or theft of or damage to valuables you             Section 8 – Personal Money
         are not carrying with you unless you have
         kept them in a locked accommodation, a safe
                                                                 and Documents
         or a safety deposit box.                                Available under Classic and Premium cover only
    (h)	Loss or theft of or damage to personal
         belongings if they have been left unattended            We will pay you up to the value stated in the table on
         in a vehicle, unless they are locked out of             page 32 for your chosen cover option (limited to the
         sight in the boot of the vehicle or the luggage         value stated in respect of cash) if your personal money
         compartment of an estate or hatchback and               is lost or stolen during the period of insurance. Cover
         there is evidence of violent and forcible entry.        under this Section commences from the time you
                                                                 receive your personal money or 72 hours before you
    (i)	There is no cover for personal belongings left
                                                                 leave home to commence your trip, whichever is later.
         in a vehicle overnight.
                                                                 You will need to report your loss and obtain proof. As
    (j)	Films, cassettes, cartridges or disks other             well as the exclusions below, please read the policy
         than for their value as unused material, unless         conditions and exclusions on pages 25 to 27.
         purchased pre-recorded, when we will pay up
         to the retail list price.                               Section 9 – Loss of Passport
    (k)	Perishable goods, bottles, cartons or any other
         loss caused by their breakage.                          Available under Classic and Premium cover only
    (l)	Pedal cycles, wheelchairs, prams, pushchairs            We will pay you up to the value stated in the table on
         or baby buggies other than while they are               page 32 for your chosen cover option for necessary
         being conveyed by public transport.                     and reasonable extra travel accommodation and
    (m) Contact or corneal lenses.                               communication expenses outside of Great Britain,
    (n)	Winter sports equipment (this is covered                Northern Ireland and the Isle of Man involved in getting
         under Section 20 if the appropriate winter              a replacement passport or visa if it is lost or stolen
         sports premium has been paid).                          during the period of insurance.
    (o)	Your personal belongings being delayed,                 You will need to report your loss and obtain proof –
         detained or confiscated by customs or                   please read the policy conditions and exclusions on
         other officials.                                        pages 25 to 27. As well as the general conditions and
    (p)	Your personal belongings being lost or                  exclusions on pages 25 to 27, the following exclusions
         damaged as a result of wear and tear,                   apply to Sections 8 and 9.
         depreciation in value, atmospheric conditions,
         mechanical failure or damage caused by moth             Personal Money and Loss of Passport Exclusions
         or vermin or any process of cleaning, repairing         1. We will not pay for:
         or restoring.                                              (a)	More than the value stated in the table on page
    (q)	Breakage of or damage to sports equipment                       32 for your chosen cover option for loss of cash.
         while in use.                                              (b)	Loss of personal money unless it is with you at
    (r)	Claims arising where you fail to exercise                       the time, in a locked safe or safety deposit box
         reasonable care for the safety and supervision                  or locked in the accommodation you are using
         of your property.                                               on your journey.
    (s)	Claims where you fail to obtain a written                  (c)	Loss caused by depreciation in value or shortage
         police report within 24 hours of the discovery                  caused by error or omission.
         in the event of loss or theft.                             (d)	Loss of travellers’ cheques if you have not
    (t)	Claims where you fail to obtain a carrier’s                     complied with the issuer’s conditions or where the
         report or in the case of an airline a ‘Property                 issuer provides a replacement service.
         Irregularity Report’ where your property has               (e) Loss or theft of ski lift pass.
         been lost or damaged in transit.
                                                                    (f)	Your personal money being delayed, detained
N.B. If you cannot report the loss, theft or damage                      or confiscated by customs or other officials.
to the airline straight away, you must do so in writing
                                                                    (g)	Claims arising where you fail to exercise
within seven days.
                                                                         reasonable care for the safety and supervision
2.	We will not pay the excess value stated in the                       of your property.
    table on page 16 for your chosen cover option
                                                                    (h)	Claims where you fail to obtain a written police
    for any loss, charge or expense incurred in
                                                                         report within 24 hours of the discovery in the
    respect of every claim made for each of you
                                                                         event of loss or theft.
    under this Section, unless you have paid the
    excess waiver premium.

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