Travel Insurance Basic, Classic and Premium Cover - Your Travel Insurance Policy
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Travel Insurance
Basic, Classic and Premium Cover
Your Travel
Insurance Policy
travel
Your holiday Handled with care
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
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
3Health 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).
4Contract 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
5Contract 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.
6Excesses/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.
7Contract 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*
8Winter 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
9Contract 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.
10Trip (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.
11Contract 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
12part 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.
13Contract 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.
14Personal 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.
15Contract 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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