2011-12

Your Travel Insurance

Policy

www.topdoginsurance.co.uk

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Please find below the terms that apply for customers who are arranging their travelinsurance through us with the insurer.

About usTopDog Insurance, a division of Citybond Holdings plc of 109 Elmers End Road,Beckenham, Kent, BR3 4SY, is authorised and regulated by the Financial ServicesAuthority (FSA) to transact general insurance business. Citybond’s FSA Registrationnumber is 312208. You can check this information on the FSA’s Register by visitingthe FSA’s website at www.fsa.gov.uk/register or by contacting the FSA on 0845606 1234.

Our travel insurance products & serviceThis travel insurance is suitable for those who wish to insure themselves whentravelling in respect of medical emergencies, cancellation, losses to baggage ormoney, personal liability and similar expenses incurred from their travel.We only offer travel insurance products from a single insurer. We do not give adviceor make personal recommendations in connection with any travel insurance product.However, we will ask you questions in order to provide you with a quotation, leavingyou to make your own decision as to how you wish to proceed and whether thisproduct fulfils your specific insurance requirements.

Insurance premiums & feesWe collect and hold insurance premiums as agent of the insurer. When we provideyou with a quotation, we will tell you about any fees which may apply in addition tothe insurance premium. The fees shown are current at the time of printing but we doreserve the right to vary them if necessary.We may charge the following fees:

• Policy Issue £1.80 per person• Policy cancellation within 14 days £5 per policy• Information provision under the Data Protection Act £10 per request

Your duty of disclosureIt is important that you provide us and/or your insurers with any information likely toaffect the assessment and acceptance of your travel insurance. You are responsible,on an ongoing basis, for providing information that you know, or could reasonablybe expected to know, relating to the travel cover we arrange for you. If you are inany doubt as to whether information is relevant then you should disclose it to usand/or your insurers.

Complaints procedureWe recognise the importance of service and set ourselves high standards. Shouldthere be an occasion when we do not meet your expectations, we are equallycommitted to dealing with any complaint in a thorough and professional manner.

If you wish to make a complaint about the sale of your policy, please contact us:In writing, addressed to Customer Care Manager, TopDog Insurance, 109 Elmers End Road, Beckenham, Kent BR3 4SY;orBy email to quality@topdoginsurance.co.ukIf you cannot settle your complaint with us, you will be entitled to refer it to theFinancial Ombudsman Service.

Financial Services Compensation Scheme (FSCS)We are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme in the unlikely event wecannot meet our obligations to you.This depends on the type of insurance and the circumstances of the claim.Further information about the compensation scheme arrangements is available fromthe FSCS (www.fscs.org.uk).

Your cancellation rightsIf you wish to cancel your policy within 14 days of receipt of your policy documents,please contact us on info@topdoginsurance.co.uk or 0845 618 0370 for a refundproviding you have not travelled and no claim has been made. If you cancel after thefirst 14 days of receipt of the documents no premium refund will be made.

About our travel insurance services

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Dear Policyholder,

Thank you for choosing TopDog Insurance for your travelinsurance requirements.

Please read your policy documents carefully to ensurethat the cover is suitable for your party and that you andthose travelling are fully aware of the benefit levels,policy limits, excess levels and any exclusions that may apply.

TopDog Insurance is a division of Citybond Holdings Plc.Established in 1984, we arrange travel insurance forover 1 million passengers a year.

I wish you and your companions an enjoyable trip andhope that you travel safe in the knowledge that in theunlikely event of a mishap, you will receive the highestquality of care and a comfortable return home ifconsidered necessary. Our medical emergency assistanceteam is available 24 hours day, 365 days a year.

This policy document sets out the procedure forresolving any complaints arising in respect of ourservices. If, having followed these procedures you stillremain dissatisfied, you would be welcome to presentyour case to me for a personal review.

I will ensure that it is dealt with fairly. That is my promise.

Yours sincerely,

Mansukh G GanatraManaging Director

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This policy summary does not contain full details and conditions of your insurance– these are located in your policy wording starting on page 11.

This insurance is underwritten by Mapfre Asistencia Compania Internacional deSeguros y Reaseguros Sociedad Anonima. 5th Floor, Alpha House, 24a LimeStreet, London EC3M 7HS Company number: FC021974. Branch NumberBR008042. Trading under the name Mapfre Assistance.

Mapfre Asistencia are authorised by Direccion General de Seguros and subject tolimited regulation by the Financial Services Authority. Details about the extent ofour regulation by the Financial Services Authority are available from us on request.

Type of insurance and coverTravel insurance for single or annual multi trips – please refer to your policyschedule for your selected cover.

Various optional covers may also be included – your policy schedule will show ifyou selected these options.

Age eligibility This policy is not available to anyone aged 86 years or over if annual multi trip orsingle trip cover is selected. If you reach the age of 86 years during the period ofinsurance, cover will continue until the next renewal date but not thereafter.

If long stay cover is selected, this policy is not available to anyone aged 76 yearsor over.

If gap year cover is selected, this policy is not available to anyone aged 46 yearsor over.

If optional winter sports cover is selected, this policy is not available to anyoneaged 66 years or over.

All ages are at the date of application, not date of departure.

ConditionsIt is essential that you refer to the ‘Important conditions relating to health’ sectionin the policy wording as failure to comply with these conditions may jeopardiseyour claim or cover.

If you are travelling to Australia and you require medical treatment you shouldenrol with a local Medicare office.

Special conditions apply to each section of your policy - please refer to the policywording for full details.

Policy summary

Significant features and benefits

All insured persons are covered to travel independently.

War risks, civil commotion and terrorism – cover for these events is only providedunder Section B – Emergency medical and other expenses, Section C – Hospitalbenefit and Section D – Personal accident (unless caused by nuclear, chemical orbiological attack) – Please see paragraph 1. in the 'General exclusions - applicable toall sections of the policy' in the policy wording for full details.

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Policy summary 5

Definitions 11

General conditions applicable to the whole policy 16

Claims conditions 16

Important conditions relating to health 18

General exclusions applicable to all sections of the policy 19

Sports and activities covered 21

Emergency and medical service 24

Reciprocal health agreements with other countries 24

Section A – Cancellation, curtailment and trip interruption charges 25

Section B – Emergency medical and other expenses 28

Section C – Hospital benefit 31

Section D – Personal accident 32

Section E – Baggage 33

Section F – Personal money, passport and documents 35

Section G – Personal liability 37

Section H – Delayed departure and Abandonment 38

Section I – Missed departure 40

Section J – UK departure assistance and missed UK connection 42

Section K – Legal expenses and assistance 44

Section L – Extended kennel and/or cattery fees 45

Section M – Hijack and kidnap 46

Section N – Incarceration abroad 47

Section O – Ski equipment 48

Section P – Ski equipment hire 50

Section Q – Ski pack 51

Section R – Piste closure 52

Section S – Avalanche or landslide 53

Section T – Course fees 54

Section U – Computer equipment 55

Data Protection Act 56

Complaints procedure 57

Contents

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The table shows the maximum benefits you can claim for each insured person(unless otherwise stated). Some sections are optional - your policy schedule willshow if you selected any of these options.

Gold Silver

Section Cover Up to Policy Up to Policy excess excess

I Missed departure £500 – Europe Nil £500 – Europe Nil£1,000 - £1,000 -

Worldwide Worldwide

J UK departure £500 Nil £500 Nilassistance &missed UKconnection

K Legal expenses £25,000 Nil £10,000 Niland assistance

L Extended kennel £250 Nil £250 Niland/or catteryfees

M Hijack and kidnap £5,000 Nil £5,000 Nil(£50 per day) (£50 per day)

N Incarceration £500 Nil £500 Nilabroad(gap year only)

O Ski equipment £500 £65 £500 £95

Hired ski £250 £65 £250 £95equipment

P Ski equipment hire £300 Nil £300 Nil(£15 per day) (£15 per day)

Q Ski pack £500 Nil £500 Nil

Lost lift pass £200 Nil £200 Nil

R Piste closure £200 Nil £200 Nil(£20 per day) (£20 per day)

S Avalanche or £150 Nil £150 Nil

landslide cover (£30 per day) (£30 per day

T Course fees £2,000 £65 n/a n/a(gap year only)

U Computer £1,000 Nil n/a n/aequipment(gap year only)

Winter Sports(Optional)

Gap Year- Gold Plus cover (optional)

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The table shows the maximum benefits you can claim for each insured person(unless otherwise stated). Some sections are optional - your policy schedule willshow if you selected any of these options.

Gold Silver

Section Cover Up to Policy Up to Policy excess excess

A Cancellation, £5,000 £65 £1,000 £95curtailment ortrip interruptioncharges

B Emergency £10,000,000 £65 £10,000,000 £95medical expenses

Emergency dental £250 £65 £250 £95treatment

Burial or £2,500 £65 £2,500 £95cremation abroad

C Hospital benefit £800 Nil £800 Nil(£25 per day) (£25 per day)

D Personal accident

Accidental death £20,000 Nil £5,000 Nil

Loss of limb or £20,000 Nil £10,000 Nilsight

Permanent total £20,000 Nil £10,000 Nildisablement

E Baggage £2,000 £65 £500 £95

Single article, £300 £65 £100 £95pair or set limit

Valuables £300 £65 £100 £95

Business goods or £400 £65 n/a n/aequipment

Emergency £100 Nil £100 Nilreplacement ofbaggage

F Personal money, £500 £65 £250 £95passport and documents

Cash £200 £65 £150 £95

G Personal liability £2,000,000 £65 £2,000,000 £95per policy per policy

H Delayed departure £300 (£20 Nil n/a n/afor the first

full 12 hours, £10 for each

subsequent12 hours)

Abandonment £5,000 £65 n/a n/a

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Exclusions under Section A – Cancellation, curtailment or tripinterruption chargesRedundancy caused by misconduct, resignation, voluntary redundancy or whereyou received a warning or notification of redundancy before you purchased thisinsurance or at the time of booking any trip.

Any circumstances known to you before you purchased this insurance or atthe time of booking any trip that could reasonably be expected to give rise toa claim.

Exclusions under Section B – Emergency medical and other expensesTreatment or surgery which, in the opinion of the Emergency Assistance Service,can wait until your return to your home area.

Medication which, prior to departure, is known to be required.

Expenses incurred as a result of a tropical disease where you have not had the NHSrecommended inoculations and/or taken the NHS recommended medication.

Exclusions under Section C – Hospital benefitHospitalisation, compulsory quarantine or confinement to your accommodation asa result of a tropical or other disease where you have not had the NHSrecommended inoculations and/or taken the NHS recommended medication.

Exclusions under Section E – BaggageValuables left unattended at any time unless in a hotel safe, safety deposit box or inyour locked accommodation.

Contact or corneal lenses, hearing aids, dental or medical fittings, ski equipmentand other items are excluded - See your policy wording for the full list.

Exclusions under Section F – Personal money, passport and documentsPersonal money or your passport or visa left unattended at any time unless in ahotel safe, safety deposit box or in your locked accommodation.

Loss or theft of traveller’s cheques where you have not complied with the issuingagent’s conditions.

Exclusions under Section G – Personal liabilityPursuit of any trade, business or profession, or the ownership, possession or use ofmechanically propelled vehicles, aircraft or watercraft.

Exclusions under Section H – Delayed departure and abandonmentStrike, Industrial action, air traffic control delay or adverse weather conditionsexisting or being publicly announced or forecast by the date you purchased thisinsurance or at the time of booking any trip.

Claims arising directly or indirectly from volcanic eruptions and/or volcanic ash clouds.

Exclusions under Section I – Missed departureStrike, Industrial action or adverse weather conditions existing or being publiclyannounced or forecast by the date you purchased this insurance or at the time ofbooking any trip.

Your failure to arrive at the departure point in time to board any connecting publictransport after your departure on the initial international outbound and return legsof the trip.

Claims arising directly or indirectly from volcanic eruptions and/or volcanic ash clouds.

Exclusions under Section J – UK departure assistance and missed UKconnectionStrike, Industrial action or adverse weather conditions existing or being publiclyannounced or forecast by the date you purchased this insurance or at the time ofbooking any trip.

Exclusions under Section L – Extended kennel and/or cattery feesClaims arising from your bodily injury or illness that is not covered under Section B – Emergency medical and other expenses.

Exclusions under Section M – Hijack and kidnapAny claim arising out of any act(s) by you which would be considered an offence by acourt of the United Kingdom if they had been committed in the United Kingdom.

Any claim where the detainment, internment, hijack or kidnap of you has not beenreported to or investigated by the police or local authority.

Exclusions under Section N – Incarcaration abroadAny costs incurred by you in relation to your imprisonment.

Exclusions under Sections O, P, Q, R and SA deduction for wear, tear and depreciation will be made on ski equipment – seetable in Section O – Ski equipment.

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Significant or unusual exclusions or limitations

The standard excesses and any increased amount you have agreed to pay will beshown within your policy wording or on the policy schedule.

Any trip that has already begun when you purchase this insurance will not becovered, except where this policy replaces or you renew an existing annual multitrip policy which fell due for renewal during the trip.

General exclusions applicable to all sections of the policy A number of sports, activities and winter sports are excluded - Please seeparagraphs 5, 6 and 7 in the General exclusions in the policy wording. Climbing on or jumping from vehicles, buildings or balconies regardless of the height.

You drinking too much alcohol resulting in a claim.

Wilful, self inflicted injury, suicide, drug use or solvent abuse.

Unlawful actions and any criminal proceedings brought against you.

Travel to a country, specific area or event which the Foreign and CommonwealthOffice (www.fco.gov.uk) or the World Health Organisation (www.who.int) hasadvised against all travel or all but essential travel.

Health conditionsWe will not pay claims if at the time of taking out this insurance and/or, for annualmulti trip policy prior to the booking of any individual trip you;

• are receiving or waiting for hospital tests or treatment for any condition or setof symptoms that have not been diagnosed;

• are travelling against the advice of a medical practitioner or travelling to getmedical treatment abroad;

• have been told about a condition that will cause your death.

We will not pay claims if your medical condition changes between the date youbought the policy and the date you book each trip (if you have arranged an annualmulti-trip policy) unless you tell TopDog Insurance about the change in yourmedical condition and they accept that change for cover.

Important limitations – Cancelling and cutting short your holidayThis policy will not cover any claims under section A (Cancellation, curtailment ortrip interruption) that result directly or indirectly from any medical condition youknew about before the policy started, and that affects:

• a close relative who is not travelling and is not insured under this policy;

• someone travelling with you who is not insured under this policy; or

• a person you plan to stay with on your trip.

They will not be covered if during the 90 days before this policy started, they:

• needed surgery, inpatient treatment or hospital consultations;

• needed any treatment or prescribed medication; or

• were on a waiting list for, or knew they needed surgery, inpatient treatment ortests at any hospital or clinic when this policy started; or

• had been diagnosed with a terminal condition (that will cause their death)before this policy started.

You should also refer to the general exclusions on pages 19 and 20.

Pregnancy and childbirthWe provide cover under this policy if something unexpected happens. In particular,we provide cover under section B for injuries to the body or illness that was notexpected. We do not consider pregnancy or childbirth to be an illness or injury. Tobe clear, we only provide cover under sections A, B, C and T of this policy, for claimsthat come from complications of pregnancy and childbirth.

ExcessesUnder most sections of this policy you have to pay the first part of any claim. Thisis called an excess. This will apply to each person claiming and to each incident andto each section of the policy you claim under. This amount is shown under each ofthe sections where it applies.

Property claimsWe pay these claims based on the value of the items at the time you lose them,unless it says otherwise in your policy. (This means you will not get back all of themoney you paid for the item.)

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Policy wording

Definitions

These definitions apply throughout your policy booklet. Where we explain what aword means, that word will appear highlighted in bold print and have the samemeaning wherever it is used in the policy. We have listed the definitionsalphabetically.Baggagemeans luggage, clothing, personal effects, valuables and other articles (butexcluding ski equipment, and personal money and documents of any kind)which belong to you (or for which you are legally responsible) which are worn,used or carried by you during any trip.Bodily injurymeans an identifiable physical injury caused by sudden, unexpected, external andvisible means including injury as a result of unavoidable exposure to the elements.Business goods or equipmentmeans items used by you and which belong to you in support of your businessactivity including office equipment which is portable by design including, but notrestricted to, personal computers, telephones and calculators.

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Exclusions under Section T – Course feesAny claim unless the college confirms in writing that the course or any part of itneeds to be repeated.

Exclusions under Section U – Computer equipmentComputer equipment left unattended at any time unless in a hotel safe, safetydeposit box or in your locked accommodation.

DurationThis is an annually renewable or short trip policy – please refer to your policyschedule for your selected cover.You are free to cancel this policy at any time. If you wish to cancel within 14 daysof receipt of the policy documents, you may by writing to us for a refund providingyou have not travelled and no claim has been made. If you cancel after the first 14days of receipt of the documents no premium refund will be made. See Generalconditions in the policy wording for full details.

Claim notificationTo make a claim contact 020 7748 0669.

Complaints procedureAny complaint you may have should in the first instance be addressed to the claimoffice or TopDog Insurance as applicable. If you are not satisfied with the way inwhich your complaint has been dealt with, you should write to the Customer CareDepartment of Mapfre Assistance or TopDog Insurance.

If the complaint is still not resolved, you can approach The Financial Ombudsman Service.Referral to the Financial Ombudsman will not affect your right to take legal action.

Full details of addresses and contact numbers can be found within the Complaintsprocedure of the policy wording.

Financial Services Compensation Scheme (FSCS)We are covered by the Financial Services Compensation Scheme (FSCS). You maybe entitled to compensation from the scheme in the unlikely event we cannot meetour obligations to you. This depends on the type of insurance and thecircumstances of the claim. Further information about the compensation schemearrangements is available from the FSCS (www.fscs.org.uk).

How does this work?To ensure you have continuous cover, we will write to you at least 3 weeks beforeyour policy is due to expire and tell you about the new premium, including anyLoyalty Discount and any changes to the policy terms and conditions. If you arehappy with the renewal information, you do not need to contact us as we willautomatically collect your premium and renew your policy.

When will my renewal payment be taken?Payment will be taken from the original credit or debit card immediately beforethe renewal date. Please note that, for security, we do not store any credit ordebit card details and we will simply ask the bank that holds your payment detailsto charge the relevant premium to your card on the renewal date.

What happens if I need to make changes?We will remind you to tell us about any changes to your personal circumstances,including any medical conditions that you may have told us about before. If youarranged cover for any medical conditions, you will need to tell us about themagain (including any new medical conditions that you now have), if you still wantcover for them. If you would like to make any changes to the policy, pleasecontact us by email on info@topdoginsurance.co.uk or by calling 0845 618 0370.

My credit / debit card used last year has now expiredIf your credit / debit card has expired since you last purchased your policy, we willcontact you at least 3 weeks before your policy ends to renew, either online or bytelephone.

What if I have changed my mind?If you do not want us to automatically renew your policy, all you need to do iscontact us by email on info@topdoginsurance.co.uk or by calling 0845 618 0370and let us know before your renewal date.

Automatic renewals for annual multi trip policies

This is your travel insurance policy. It contains details of cover, conditions andexclusions relating to each insured person and is the basis on which all claims willbe settled. It is validated by the issue of the schedule which we recommend beattached to the policy. In return for having accepted your premium, we will, in the event of bodily injury,death, illness, disease, loss, theft, damage, legal liability or other specified eventshappening within the period of insurance, provide insurance in accordance withthe operative sections of your policy as referred to in your schedule.The schedule and any endorsements are all part of the policy. Your policy isevidence of the contract of insurance. This policy is only available to you if you are permanently resident in the UnitedKingdom and have been for the past six months prior to the date of issue, andregistered with a medical practitioner in the United Kingdom.

The Law applicable to this policy You and we can choose the law which applies to this policy. We propose thatEnglish Law applies. Unless we and you agree otherwise English law will apply tothis policy.

Policy excessPlease refer to the section under which the claim is being made for full details ofthe policy excess applicable.

Helplines Please carry this policy with you in case of an emergency. Details of the helplines can be found at the foot of each policy section and on theback page of the policy.If you would like more information or if you feel the insurance may not meet yourneeds, visit www.topdoginsurance.co.uk.

Mapfre AssistanceThis insurance is underwritten by Mapfre Asistencia Compania Internacional deSeguros y Reaseguros Sociedad Anonima. 5th Floor, Alpha House, 24a LimeStreet, London EC3M 7HS Company number: FC021974. Branch NumberBR008042. Trading under the name Mapfre Assistance.We (Mapfre Asistencia) are authorised by Direccion General de Seguros andsubject to limited regulation by the Financial Services Authority. Details about theextent of our regulation by the Financial Services Authority are available from uson request.

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Homemeans your normal place of residence in the United Kingdom.Home areafor residents of the United Kingdom excluding the Isle of Man and ChannelIslands, your home area means the United Kingdom excluding the Isle of Manand Channel Islands. For residents of the Isle of Man or Channel Islands, yourhome area means either the Channel Islands or the Isle of Man depending onwhere your home is. (Please note that for the purpose of this insurance each ofthese areas is defined as a separate area of residence).Manual workany manual labour which includes but not limited to:■ using, installing or maintaining equipment or machinery; or■ building or construction work.We will provide cover for manual labour that is voluntary, for a charity registeredunder the Charity Commission in England and Wales, the Scottish Charity regulatoror the Department for Social Development in Northern Ireland and where you willnot earn any money. In these situations, you will not be covered for work thatinvolves installing, putting together, maintaining, repairing or using heavy electrical,mechanical or hydraulic machinery. You will not be covered when you are workingmore than three meters above the ground, and cover for personal accident andpersonal liability is not included. If you injure yourself during voluntary work, thepolicy excess under section B (Emergency Medical and other expenses) will beincreased to £250.Medical condition(s)means any disease, illness or injury, including psychological conditions.Medical practitionermeans a registered practising member of the medical profession recognised by thelaw of the country in which they are practising, who is not related to you or anyperson who you are travelling with.One-way tripmeans a trip or journey made by you within the countries of the geographicalareas, during the period of insurance, but with cover under this policy ceasing12 hours after the time you first leave the immigration control of the country inwhich your final destination is situated.Period of insuranceAnnual multi tripmeans the period for which we have accepted the premium as stated in theschedule. During this period any trip not exceeding the number of days shownbelow is covered: ■ 50 days for each insured person up to and including 65 years of age. This is

extendable up to 100 days upon payment of an additional premium.■ 35 days for each insured person aged between 66 and 75 years of age

inclusive. This is extendable to 50 days upon payment of an additionalpremium.

■ 35 days for each insured person aged between 76 and 85 years of ageinclusive. This is not extendable.

■ Winter sports cover may be included up to 17 days during the period ofinsurance for each insured person aged up to and including 65 years of ageupon payment of the appropriate premium.

Under these policies, Section A - Cancellation cover shall be operative from thestart date stated in the schedule or the time of booking any trip (whichever is thelater) and terminates on commencement of any trip or expiry of the policy(whichever is the earlier).Single tripmeans the period of the trip and terminating upon its completion, but not in anycase exceeding the period shown in the schedule. ■ For each insured person aged 75 years and under, the maximum trip

duration is 100 days.■ For each insured person aged between 76 and 85 years, the maximum trip

duration is 31 days.Under these policies, Section A - Cancellation cover shall be operative from thetime you pay the premium.

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Change in medical conditionYou must tell us about any changes that take place between the date youbought your policy and the date you booked a trip. This includes:• any new treatment or prescribed medication;• any changes to treatment or prescribed medications, including changes in

dosages; and• any new sickness, condition, illness or injury which you needed to ask for

medical advice. Close business associatemeans any person whose absence from business, for one or more complete daysat the same time as your absence, prevents the proper continuation of thatbusiness. Close relativemeans mother, father, sister, brother, wife, husband, civil partner, daughter, son,grandparent, grandchild, parent-in-law, son-in-law, daughter-in-law, sister-in-law, brother-in-law, step parent, step child, step sister, step brother, foster child,legal guardian, partner or fiancé/fiancée.Couplemeans you and your close relative who lives with you in a domestic relationshipat the same address as you. Each insured person is covered to travelindependently.Curtailment/Curtail/Curtailedmeans either:a. abandoning or cutting short the trip by direct early return to your home

area, in which case claims will be calculated from the day you returned toyour home area and based on the number of complete days of your tripyou have not used, or

b. by attending a hospital outside your home area as an in-patient or beingconfined to your accommodation abroad due to compulsory quarantine or onthe orders of a medical practitioner, in either case for a period in excess of48 hours. Claims will be calculated from the day you were admitted tohospital or confined to your accommodation and based on the number ofcomplete days for which you were hospitalised, quarantined or confined toyour accommodation.

Departure pointmeans the international airport, train station or port where your trip to yourdestination begins and where the final part of your trip back to your home begins.Family covermeans up to two adults and any number of their children, step children, fosterchildren or grandchildren aged under 18. Each insured person is covered to travelindependently.Geographical area(s)means the countries of the area (shown below) for which you have paid theappropriate premium, except those countries or parts of countries where theForeign & Commonwealth Office (FCO) or the World Health Organisation (WHO)has advised against travel, as specified on your schedule.United Kingdom: including Great Britain, Northern Ireland and the Isle of Man.Europe: Albania, Andorra, Armenia, Austria, Azerbaijan, Belgium, Belarus, Bosnia-Herzegovina, Bulgaria, Channel Islands, Croatia, Cyprus, Czech Republic, Denmark(including Faroe Islands), Egypt, Estonia, Finland, France (including Corsica), Georgia,Germany, Gibraltar, Greece (including Greek Islands), Hungary, Iceland, Ireland, Italy(including Aeolian Islands, Sardinia & Sicily), Latvia, Liechtenstein, Lithuania,Luxembourg, Macedonia, Malta, Moldova, Monaco, Montenegro, Morocco,Netherlands, Norway (including Jan Mayen, Svalbard Islands), Poland, Portugal(including Azores & Madeira), Romania, Russia (European), San Marino, Serbia(including Kosovo), Slovakia, Slovenia, Spain (including Balearic and Canary Islands),Sweden, Switzerland, Tunisia, Turkey, Ukraine, United Kingdom and Vatican City.Australia & New Zealand: Mainland Australia, Tasmania, New Zealand and theirdependencies.Worldwide excluding USA, Canada & the Caribbean: Worldwide, excluding UnitedStates of America, Canada and all islands in the Caribbean Sea and the Bahamas.Worldwide including USA, Canada & the Caribbean: All countries worldwide.

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For long stay policies, the permitted stopover time is 3 days.For gap year policies, if you purchase a policy for Australia and New Zealand, youare able to stopover in any country detailed in the geographical area of Worldwideincluding USA, Canada and the Caribbean, applicable to both the outward andreturn journey for a limited period. The permitted stopover time is 3 days.Terrorismmeans an act, including but not limited to the use of force or violence and/or thethreat thereof, of any person or group(s) of persons, whether acting alone or onbehalf of or in connection with any organisation(s) or governments, committedfor political, religious, ideological or similar purposes including the intention toinfluence any government and/or to put the public, or any section of the public, infear. Tripmeans any holiday, business or pleasure trip or journey made by you within thegeographical areas shown in the schedule which begins and ends in your homearea during the period of insurance.However any trip that had already begun when you purchased this insurance willnot be covered, except where this policy replaces or you renew an existing annualmulti trip policy which fell due for renewal during the trip.In addition any trip solely within your home area under annual multi trip cover isonly covered where you have pre-booked at least two nights’ accommodation ina hotel, motel, holiday camp, bed and breakfast, holiday cottage or similaraccommodation rented for a fee. Each trip under annual multi trip cover isconsidered to be a separate insurance, with the terms, definitions, exclusions andconditions contained in this policy applying to each trip.Unattendedmeans when you are not in full view of and not in a position to preventunauthorised interference with your property or vehicle.United Kingdom/UKmeans England, Scotland, Wales, Northern Ireland, the Isle of Man and the ChannelIslands.Valuables

means jewellery, gold, silver, precious metal or precious or semiprecious stonearticles, watches, furs, cameras, camcorders, portable satellite navigationsystems, photographic audio video computer television and telecommunicationsequipment (including MP3/4 players, CDs, DVDs, Blu-ray discs, tapes, films,cassettes, cartridges and headphones), computer games and associatedequipment, telescopes and binoculars.

Vermin

means rats, mice, squirrels, owls, pigeons, foxes, bees, wasps or hornets.

We/Us/Our

Mapfre Assistance. 5th Floor, Alpha House, 24a Lime Street, London EC3M 7HS.

You/Your/Yourself/Insured Person(s)

mean each person travelling on a trip whose name appears, and for whom theappropriate premium has been paid, resident in the United Kingdom and havebeen for the past six months prior to the date of issue, and registered with amedical practitioner and at the date of application not being more than 85years for single trip and annual multi trip cover, 75 years for long stay cover and45 years for gap year cover.

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Long staymeans the period of the trip and terminating upon its completion, but not in anycase exceeding the period shown in the schedule.

Gap yearmeans the period of the trip and terminating upon its completion, but not in anycase exceeding the period shown in the schedule.■ For insured persons aged up to and including 45 years of age the maximum

duration shall not exceed 18 months.Note: In the event that you return temporarily to your home during the periodof insurance, the cover under the policy will cease upon your arrival home andnot be re-instated until departure from your home. Any claim occurring duringyour stay within your home area will not be covered. Under these policies, Section A - Cancellation cover shall be operative from thetime you pay the premium.For all other sections of the policy, whichever cover is selected, the insurancestarts when you leave your home or your place of business in your home area(whichever is the later) to start the trip and ends at the time of your return toyour home or place of business in your home area (whichever is the earlier) oncompletion of the trip. However, any trip that had already begun when you purchased this insurance willnot be covered, except where this policy replaces or you renew an existing annualmulti trip policy which fell due for renewal during the trip.The period of insurance is automatically extended for the period of the delay inthe event that your return to your home area is unavoidably delayed due to anevent insured by this policy.Personal moneymeans bank notes, currency notes and coins in current use, travellers’ and othercheques, postal or money orders, pre-paid coupons or vouchers, travel tickets,event and entertainment tickets, phone cards, money cards and credit/debit orpre-pay charge cards all held for private purposes.Public transportmeans any publicly licensed aircraft, sea vessel, train, coach or bus on which youare booked or had planned to travel.Secure baggage areameans any of the following, as and where appropriate:a. The locked glove compartment, boot or luggage compartment of a motor

vehicleb. The locked luggage compartment of a hatchback vehicle fitted with a lid

closing off the luggage area, or of an estate car with a fitted and engaged trayor roller blind cover behind the rear seats

c. The fixed storage units of a locked motorised or towed caravand. A locked luggage box, locked to a roof rack which is itself locked to the vehicle

roof.Ski equipmentmeans skis and snowboards (including bindings), ski boots and ski poles.Stopovermeans that if you purchase a policy for Worldwide excluding USA, Canada and theCaribbean you are able to stopover in any country detailed in the geographicalarea of Worldwide including USA, Canada and the Caribbean for a limited period(as shown below), applicable to both the outward and return journey:For single trip policies, the permitted stopover time is 24 hours.

Maximum duration by age 18 – 65 years 66 – 70 years 71 – 75 years

Europe 18 months 12 months 12 months

Worldwide excluding USA / 18 months 9 months 6 monthsCanada / Caribbean

Worldwide including USA / 18 months 6 months 4 monthsCanada / Caribbean

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You must also tell us if you are aware of any court claim form, summons orimpending prosecution. Every communication relating to a claim must be sentto us as soon as possible. You or anyone acting on your behalf must notnegotiate, admit or refuse any claim without our permission in writing.

You or your legal representatives must supply at your own expense allinformation, evidence, details of household insurance and medical certificatesas required by us. You should refer to the section under which you areclaiming for further details of the evidence that we need to deal with yourclaim.

We reserve the right to require you to undergo an independent medicalexamination at our expense. We may also request and will pay for a post-mortem examination.

You must retain any property which is damaged, and, if requested, send it tous at your own expense. If we pay a claim for the full value of the propertyand it is subsequently recovered or if there is any salvage, then it will becomeour property. We may refuse to reimburse you for any property which youcannot provide proof of ownership such as an original receipt, a valuation, usermanual or bank or credit card statements.

2. Transferring of rights

We are entitled to take over any rights in the defence or settlement of anyclaim and to take proceedings in your name for our benefit against any otherparty.

3. Fraud

You must not act in a fraudulent manner.

If you or anyone acting for you

a. Make a claim under the policy knowing the claim to be false orfraudulently exaggerated in any respect or

b. Make a statement in support of a claim knowing the statement to be falsein any respect or

c. Submit a document in support of a claim knowing the document to beforged or false in any respect or

d. Make a claim in respect of any loss or damage caused by your wilful act orwith your connivance

Then

a. we shall not pay the claim

b. we shall not pay any other claim which has been or will be made under thepolicy

c. we may at our option declare the policy void

d. we shall be entitled to recover from you the amount of any claim alreadypaid under the policy

e. we shall not make any return of premium

f. we may inform the Police of the circumstances.

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You must comply with the following conditions to have the full protection of yourpolicy.

If you do not comply, we may at our option cancel the policy or refuse to dealwith your claim or reduce the amount of any claim payment.

Dual insurance

If, at the time of any incident which results in a valid claim under this policy, thereis another insurance covering the same loss, damage, expense or liability, we willnot pay more than our proportional share (not applicable to Section D – Personalaccident).

Reasonable precautions

At all times you must take all reasonable precautions to avoid injury, illness,disease, loss, theft or damage and take all reasonable steps to safeguard yourproperty from loss or damage and to recover property lost or stolen.

Cancellation

Statutory cancellation rights

You may cancel this policy within 14 days of receipt of the policy documents(new business) and for annual policies the renewal date (the cancellation period)by writing to the address shown in your schedule during the cancellation period.Any premium already paid will be refunded to you providing you have nottravelled, no claim has been made or is intended to be made and no incident likelyto give rise to a claim has occurred.

Cancellation outside the statutory period

You may cancel this policy at any time after the cancellation period by writing tothe address shown in your schedule. If you cancel after the cancellation periodno premium refund will be made.

Non payment of premiums

We reserve the right to cancel this policy immediately in the event of nonpayment of the premium.

General conditions applicableto the whole policy

Claims conditions

You must comply with the following conditions to have the full protection of yourpolicy.

If you do not comply we may at our option cancel the policy or refuse to dealwith your claim or reduce the amount of any claim payment.

1. Claims

You can contact us by phone or by visiting our website using the relevantdetails given below if you want to make a claim:

The claim notification must be made within 31 days or as soon as possiblethereafter following any bodily injury, illness, disease, incident, event,redundancy or the discovery of any loss, theft or damage which may lead toa claim under this policy.

phone: 020 7748 0669 web: www.topdoginsurance.co.uk/claims

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a. Are receiving or waiting for tests, investigations or treatment for anycondition or set of symptoms that have not been diagnosed;

b. have been given a terminal prognosis by a doctor;

7. We will not pay any directly related claims if at any time you:

a. travel against the advice of a medical practitioner or where youwould have been advised against travel if you had sought their advicebefore beginning of your trip;

b. incur costs for medical treatment or consultation at any medical facilityduring your trip that you knew would be required before travelling;

c. are travelling specifically for the purpose of obtaining and / or receivingany elective surgery, procedure or hospital treatment;

d. are not taking the recommended treatment or prescribed medicationfor a medical condition as directed by a medical practitioner;

e. travel against health requirements stipulated by the carrier, theirhandling agents or any other public transport provider.

Important limitations – Cancelling and cutting short your holiday

This policy will not cover any claims under section A (Cancellation, curtailment ortrip interruption) that result directly or indirectly from any medical condition youknew about before the policy started, and that affects:

• a close relative who is not travelling and is not insured under this policy;

• someone travelling with you who is not insured under this policy; or

• a person you plan to stay with on your trip.

They will not be covered if during the 90 days before this policy started, they:

• needed surgery, inpatient treatment or hospital consultations;

• needed any treatment or prescribed medication; or

• were on a waiting list for, or knew they needed surgery, inpatient treatment ortests at any hospital or clinic when this policy started; or

• had been diagnosed with a terminal condition (that will cause their death)before this policy started.

You should also refer to the General exclusions on pages 19 & 20.

General exclusions applicableto all sections of the policy

We will not pay for claims arising directly or indirectly from:1. War risks, civil commotion and terrorism

War, invasion, acts of foreign enemies, hostilities or warlike operations(whether war be declared or not), civil war, rebellion, terrorism, revolution,insurrection, civil commotion assuming the proportions of, or amounting to,an uprising, military or usurped power but this exclusion shall not apply tolosses under Section B – Emergency medical and other expenses, Section C– Hospital benefit and Section D – Personal accident unless such losses arecaused by nuclear, chemical or biological attack, or the disturbances werealready taking place at the beginning of any trip.

2. Radioactive contaminationIonising radiation or contamination by radioactivity from any nuclear fuel orfrom any nuclear waste, from combustion of nuclear fuel, the radioactive,toxic, explosive or other hazardous properties of any nuclear assembly ornuclear component of such assembly.

3. Sonic bangsLoss, destruction or damage directly occasioned by pressure waves causedby aircraft and other aerial devices travelling at sonic or supersonic speeds.

4. CostsCosts of phone calls or faxes, meals, taxi fares (except for taxi costs paid forthe initial journey to a hospital abroad due to an insured person's illness orinjury), interpreters' fees, inconvenience, distress, loss of earnings, loss ofenjoyment of the holiday, time share maintenance fees, holiday property bonds

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Health conditions

These apply to Section A – Cancellation or curtailment charges, Section B –Emergency medical and other expenses, Section C – Hospital benefit, Section D –Personal accident and Section T – Course fees.

It is very important that you read and understand the following.

1. You will not be covered for existing medical conditions if you have not toldus about them all or we have not agreed to cover them. You will also not becovered for anything that arises from, or is in any way related to, or has beentriggered or caused by, an existing medical condition, unless you have toldus about the condition/s and we have agreed to cover them. This includes notbeing covered for something that occurs because you are predisposed (morelikely) to suffer from a condition or symptoms because of your existingmedical conditions. For example, if you suffer from asthma or chronicobstructive pulmonary disease and get pneumonia, we would consider thepneumonia to be linked to your existing medical condition and would onlypay a claim for the pneumonia if all existing medical conditions had beendisclosed to us and we have agreed to cover them.

2. If we are unable to cover the medical condition, this will mean that you andany other person insured by us will not be covered for any directly relatedclaims arising from the medical condition.

3. You must tell us as soon as you become aware of any change regarding yourhealth. We will not pay any directly related claims if your medical conditionchanges between the date you bought the policy and the date you book eachtrip (if you have arranged an annual multi trip policy) unless you tell us aboutthe change in your medical condition and we accept that change for cover.

4. If we cannot provide cover because a medical condition has got worse orbeen diagnosed since the policy was issued, you can either:

• make a cancellation claim if you have booked and paid for a journey thatyou have not made yet; or

• cancel your policy and we will send you an appropriate refund, as long asyou have not travelled or made a claim.

5. We will not pay any directly related claims if at the time of taking out thisinsurance or when booking a trip under an annual multi trip policy you:

a. have any medical conditions for which in the past 2 years:

i. you have had or are waiting for any consultations, investigations orfollow-ups;

ii. you are having or have had treatment or prescription medication;

iii. you have had or are waiting for surgery;

b. have had treatment for cancer in the last five years; or

c. have ever been diagnosed with or treated for any of the following:

i. any heart condition;

ii. any circulatory condition (problems with blood flow, including strokes,high blood pressure, and cholesterol);

iii. any liver condition;

Unless

You have told us about all your relevant medical conditions and we haveaccepted them in writing.

You should contact us at www.healthscreen247.com or by calling0845 618 0370 if:

• you need to declare a medical condition;

• you are unsure whether a medical condition needs to be declared or not.

6. We will not pay any directly related claims if at the time of taking out thisinsurance or when booking a trip under an annual multi trip policy you:

Important conditions relating to health

21

Sports and activities covered

Participation in the following activities is covered at no additional premium andwithout the need for prior declaration, when participating on a recreational and nonprofessional basis during any trip. Any involvement is these sports and/or activitiesis subject to your compliance with local laws and regulations and the use ofrecommended safety equipment (such as helmet, harness, knee and/or elbow pads).

If you are participating in any other sports or activities not mentioned, pleasetelephone the TopDog Insurance helpline on 0845 618 0370 as they may beable to offer cover for an additional premium. Details of those sports and activitiesfor which you have purchased cover will be added to your policy schedule.

Cover for manual work will be provided where such work is solely in a voluntarycapacity for a charity registered under the Charity Commission in England, andWales, the Scottish charity regulator or the Department for Social Development inNorthern Ireland, and where there is no financial gain. In such circumstances, therewill be no cover for hands on involvement with the installation, assembly,maintenance, repair or use of heavy electrical, mechanical or hydraulic plant ormachinery, or for working more than 3 metres above the ground, and there is nocover under sections D – Personal accident and G - Personal liability.

Covered as standard without chargeNo cover under Section G – Personal liability for those sports or activities markedwith *, all other terms and conditions of the policy will apply.

abseiling (within organiser’s guidelines)

administrative or clerical occupations

aerobics

amateur athletics (track and field)

archaeological digging

archery

assault course

badminton

banana boating

bar/restaurant work

baseball

basketball

beach games

billiards/snooker/pool

body boarding (boogie boarding)

bowls

bungee jumping/swoop (withinorganisers guidelines)

camel riding *

canoeing (up to grade 2 rivers)

clay pigeon shooting *

climbing (on climbing wall only)

cricket

croquet

cross country running (noncompetitive)

curling

cycling (no racing)

deep sea fishing

driving any motorised vehicle (otherthan a Quad bike) for which you arelicensed to drive in the United Kingdom(other than in motor rallies orcompetitions) *

elephant riding/trekking *

falconry

fell walking/running

fencing

fishing

fives

flying as a fare paying passenger in afully licensed passenger carryingaircraft

football (amateur only and not mainpurpose of trip)

fruit or vegetable picking (non-mechanical)

glass bottom boats *

gliding (under instruction) *

go karting (within organisersguidelines) *

golf

handball

horse riding (excluding competitions,racing, jumping and hunting) *

hot air ballooning (organised pleasurerides only)

hovercraft driving/passenger *

hurling (amateur only and not mainpurpose of trip)

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or points and any extra travel or accommodation costs unless we authorisedthese or they are part of a valid claim under section A, section B or section C.

5. Winter sportsYour participation in winter sports unless the appropriate winter sportspremium has been paid, and you are under the age of 66 prior to thecommencement of the period of insurance in which case cover will applyunder those sections shown as covered for winter sports in your schedule for: a. the winter sports specified in the list on page 23 andb. any other winter sports shown as covered in your schedulefor a period of no more than 17 days in total in each period of insuranceunder annual multi trip policies, for the period of the trip under single trippolicies, and for the period specified on the schedule for long stay and gapyear policies.

6. Professional sports or entertainingYour participation in or practice of any professional sports or professionalentertaining.

7. Other sports or activitiesYour participation in or practice of any other sport or activity, manual workor racing unless:a. specified in the list on pages 21 & 22 orb. shown as covered in your schedule.

8. Jumping from vehicles, buildings or balconiesYou climbing on top of, or jumping from a vehicle or jumping from a buildingor balcony, or climbing or moving from any external part of any building toanother (apart from stairs, ramps or walkways) and falling regardless of theheight, unless your life is in danger or you are attempting to save human life.

9. Tour operator & airline failureAny claim that results from the tour operator, airline or any other company,firm or person not being able or not being willing to carry out any part oftheir obligation to you.

10. Search and rescueAny search and rescue costs.

11. Alcohol abuseYou drinking too much alcohol, or any form of alcohol abuse, where it isreasonably foreseeable that such consumption could result in a seriousimpairment of your faculties and/or judgement resulting in a claim. We donot expect you to avoid alcohol on your trips or holidays but we will notcover any claims arising because you have drunk so much alcohol that yourjudgement is seriously affected and you need to make a claim as a result.

12. Suicide, drug use or solvent abuseYour wilfully self-inflicted injury or illness, suicide or attempted suicide,sexually transmitted diseases, solvent abuse, drug use (other than drugstaken in accordance with treatment prescribed and directed by a medicalpractitioner, but not for the treatment of drug addiction), and puttingyourself at needless risk (except in an attempt to save human life).

13. Unlawful actionYour own unlawful action or any criminal proceedings against you.

14. Additional loss or expenseAny other loss, damage or additional expense following on from the eventfor which you are claiming, unless we provide cover under this insurance.Examples of such loss, damage or additional expense would be the cost of replacing locks after losing keys, costs incurred in preparing a claim for lossof earnings following bodily injury, illness or disease.

15. Armed ForcesOperational duties of a member of the Armed Forces (other than claimsarising from authorised leave being cancelled due to operational reasons, asprovided for under sub section 4. of Section A – Cancellation, curtailmentor trip interruption charges).

16. Travelling against FCO or WHO adviceYour travel to a country, specific area or event when the Travel Advice Unitof the Foreign & Commonwealth Office (FCO) or the World HealthOrganisation (WHO) or regulatory authority in a country to/from which youare travelling has advised against all, or all but essential travel.

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Covered if the appropriate winter sports premium has been paidNo cover under Section G – Personal liability for those sports or activities markedwith *

airboarding

big foot skiing

blade skating

cross country/nordic skiing

dry slope skiing

glacier skiing/walking

husky dog sledding (organised, non-competitive with local driver)

ice go karting (within organisersguidelines)*

ice skating (if only for 1 day see list onpage 22)

ice windsurfing*

kick sledging

ski – blading

ski boarding

skiing on piste‡

skiing - alpine

skiing – mono

skiing - off piste but within the resort boundaries‡

sledging/tobogganing

sledging/sleigh riding as a passenger(pulled by horse or reindeer)*

snow blading

snow boarding on piste‡

snow boarding - off piste but withinthe resort boundaries‡

snow mobiling (skidoo)*

snow shoe walking

snow tubing

tobogganing

training/racing (ski school)

winter walking (using crampons and ice picks only)

You are not covered when engaging in organised competitions (other than as partof ski school instruction) or when skiing/snow boarding against local authoritativewarning or advice.

‡ A piste is a recognised and marked ski run within the resort boundaries.

Lapland - If travelling to Lapland for no more than 2 nights, participation in thefollowing activities are covered without the additional winter sports premiumbeing required: husky dog sledding (organised, non-competitive with local driver)and sledging/sleigh riding as a passenger (pulled by horse or reindeer)*.

Winter sports - Payment of the optional winter sports additional premium isrequired to extend all sections of your policy to include winter sports activities asdetailed in the winter sports cover section.

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ice skating (1 day maximum)

indoor climbing (on climbing wall)

jet boating (no racing) *

jet skiing (no racing) *

jogging

karting (no racing)

kayaking (up to grade 2 rivers)

korfball

marathon running (non professional)

motor cycling (full UK licence held) *

mountain biking (no racing)

netball

octopush

orienteering

paint balling/war games (wearing eyeprotection) *

parachuting (tandem only)

parascending (over water)

pony trekking

power boating (no racing and non-competitive) *

racket ball

rambling

refereeing (amateur only)

ringos

roller skating/blading/in line skating(wearing pads and helmets)

rounders

rowing (no racing)

running (non-competitive and notmarathon)

safari trekking (must be organisedtour)

sailing/yachting (if qualified oraccompanied by a qualified person andno racing) *

sand boarding / surfing /skiing

sand yachting (no racing) *

scuba diving up to depth of 30 metres (if PADI or equivalent qualified oraccompanied by qualified instructorand not diving alone)

small bore target shooting / rifle

range shooting (within organisers

guidelines) *

skateboarding

sledging (not on snow)

snorkelling

softball

spear fishing (without tanks)

speed sailing (no racing) *

squash

students working as counsellors or

university exchanges for practical

course work (not manual work)

surfing

swimming

swimming with dolphins / elephants

Sydney harbour bridge (walking

across clipped onto safety line)

table tennis

tall ship crewing (no racing) *

ten pin bowling

tennis

trampolining

tree canopy walking

trekking/hiking/endurance activities

up to 3,000 metres above sea level

tug of war

volleyball

wake boarding

water polo

water skiing/water ski jumping

whale watching

white water rafting (up to grade 2

rivers)

wind surfing/sailboarding *

wind tunnel flying

zip lining/trekking (safety harness

must be worn)

zorbing/hydro zorbing/sphering

25

What is coveredWe will pay you up to £5,000 (Silver cover - £1,000) for your proportion onlyof any irrecoverable unused travel and accommodation costs (includingexcursions up to £250) and other pre-paid charges which you have paid or arecontracted to pay, together with your proportion only of any reasonableadditional travel expenses incurred if:

a. cancellation of the trip is necessary and unavoidable or

b. the trip is curtailed or interrupted before completion

as a result of any of the following events occurring:

1. The death, bodily injury, illness, disease or complications arising as a directresult of pregnancy of:

a. you

b. any person with whom you are travelling or have arranged to travel with

c. any person whom you have arranged to stay with

d. your close relative

e. your close business associate.

2. Compulsory quarantine, jury service attendance or being called as a witness ata Court of Law of you or any person who you are travelling with or havearranged to travel with.

3. Redundancy (provided employment has been on a continuous full time basiswith the same employer for at least 24 months and qualifies for paymentunder current redundancy payment legislation and, at the time of booking thetrip, there was no reason to believe anyone would be made redundant) ofyou or any person who you are travelling with, or have arranged to travelwith.

4. You or any person who you are travelling with, or have arranged to travelwith, are a member of the Armed Forces, Territorial Army, Police, Fire, Nursingor Ambulance Services or employees of a Government Department and haveyour/their authorised leave cancelled or are called up for operational reasons,provided that such cancellation or curtailment could not reasonably havebeen expected at the time when you purchased this insurance or at the timeof booking any trip.

5. A government directive prohibiting all travel to, or recommending evacuationfrom, the country or area you were planning to visit or were staying in, as aresult of natural disasters (such as earthquakes, fires, tsunamis, landslides,floods, hurricanes or epidemic(s) / pandemic(s)).

6. The Police or other authorities requesting you to stay at, or return to, yourhome due to serious damage to your home caused by fire, aircraft,explosion, tsunami, avalanche, hurricane, storm, flood, subsidence, fallentrees, collision by road vehicles, malicious people or theft.

Special conditions relating to claims1. You must get (at your own expense) a medical certificate from a medical

practitioner and the prior approval of Mapfre Assistance to confirm thenecessity to return home prior to curtailment of the trip, due to death,bodily injury, illness, disease or complications arising as a direct result ofpregnancy.

2. If you fail to notify the travel agent, tour operator or provider of transport oraccommodation as soon as you find out it is necessary to cancel the trip theamount we will pay will be limited to the cancellation charges that would haveotherwise applied.

Section A – Cancellation, curtailmentand trip interruption charges

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Emergency and medical service

In the event of an illness or accident which may lead to in-patient hospital treatmentor before any arrangements are made for repatriation or in the event ofcurtailment necessitating your early return home, you must contact MapfreAssistance. The service is available to you and operates 24 hours a day, 365 days ayear for advice, assistance, making arrangements for hospital admission, repatriation(returning you to your home area) and authorisation of medical expenses. If this isnot possible because the condition requires immediate emergency treatment, youmust contact Mapfre Assistance as soon as possible. Private medical treatment isnot covered unless authorised specifically by Mapfre Assistance.

Medical assistance abroadMapfre Assistance has the medical expertise, contacts and facilities to help shouldyou be injured in an accident or fall ill. Mapfre Assistance will also arrangetransport home when this is considered to be medically necessary or when youare told about the serious illness or death of a close relative at home.Payment for medical treatment abroadIf you are admitted to a hospital/clinic while abroad, Mapfre Assistance willarrange for medical expenses covered by the policy to be paid direct to thehospital/clinic. To take advantage of this benefit, someone must contact MapfreAssistance for you as soon as possible.For simple out-patient treatment, you should pay the hospital/clinic yourself andclaim back medical expenses from us on your return to your home area. Bewareof requests for you to sign for excessive treatment or charges. If you are indoubt, please call Mapfre Assistance for guidance.

Contact Mapfre Assistance on telephone number: 020 7748 0670 or +44 20 7748 0670.

Reciprocal health agreements with other countriesEU, EEA or Switzerland If you are travelling to countries within the European Union (EU), the EuropeanEconomic Area (EEA) or Switzerland you are strongly advised to obtain a EuropeanHealth Insurance Card (EHIC) postal application form from your local Post Office.You can also apply either online through www.topdoginsurance.co.uk, or bytelephoning the EHIC application line on 0845 606 2030. This will entitle you tobenefit from the reciprocal health care arrangements which exist betweencountries within the EU/EEA or Switzerland. If we agree to pay for a medical expense which has been reduced because youhave used either a European Health Insurance Card or private health insurance, wewill not deduct the policy excess under Section B - Emergency medical and otherexpenses.

AustraliaIf you need medical treatment in Australia, you should enrol with a localMEDICARE office. You do not need to enrol when you arrive, but you should dothis after the first occasion you receive treatment. In-patient and out-patienttreatment at a public hospital will then be available free of charge. Details of howto enrol and the free treatment available can be found by visiting the MEDICAREwebsite on www.medicareaustralia.gov.au. Alternatively, please call MapfreAssistance for guidance.If you are admitted to hospital, you must contact Mapfre Assistance as soon aspossible and get their authorisation in respect of any treatment NOT availableunder MEDICARE.

A note to all insured people, doctors and hospitalsThis is not a private medical insurance. If you need any medical treatment, youmust tell us immediately or we may not guarantee medical expenses. If you needany medical treatment, you must allow us or our representatives to see all of yourmedical records and information.Contact Mapfre Assistance on telephone number: 020 7748 0670 or +44 20 7748 0670.

27

9. Claims directly related to stress, anxiety, depression, or any other mental ornervous disorder that you are suffering unless you provide (at your ownexpense) a medical certificate from the treating medical practitioner orregistered mental health professional if you are under the care of aCommunity Mental Health Team or if not, a consultant specialising in therelevant field explaining why it was necessary for you to cancel or curtail thetrip.

10. Anything mentioned in the General exclusions.

You should also refer to the Important conditions relating to health on pages 18 & 19.

Please rememberWe will work out claims for cutting short your holiday from the day you return to yourhome area (or your final country if you are on a one-way trip), or from the day youhave to go into hospital as an inpatient to the day you are discharged. Your claim willonly be based on the number of full days you have not used.

Claims evidenceWe will require (at your own expense) the following evidence where relevant:

A medical certificate from the treating medical practitioner (or in the case ofstress, anxiety, depression or any other mental or nervous disorder either aregistered mental health professional if you are under the care of a CommunityMental Health Team or if not, a consultant specialising in the relevant field)explaining why it was necessary for you to cancel or curtail the trip.

In the case of death causing cancellation or curtailment of the trip, the originaldeath certificate.

Booking confirmation together with a cancellation invoice from your travel agent,tour operator or provider of transport/accommodation.

In the case of curtailment claims, written details from your travel agent, touroperator or provider of transport/accommodation showing the separate costs oftransport, accommodation and other pre-paid costs or charges that made up thetotal cost of the trip.

Your unused travel tickets.

Receipts or bills for any costs, charges or expenses claimed for.

In the case of compulsory quarantine, a letter from the relevant authority or thetreating medical practitioner.

In the case of jury service or witness attendance, the court summons.

The letter of redundancy for redundancy claims.

A letter from the commanding officer concerned, confirming cancellation ofauthorised leave or call up for operational reasons.

In the case of serious damage to your home, a report from the Police or relevantauthority.

Any other relevant information relating to the claim that we may ask you for.

To make a claim under this section, please call:For curtailment claims 020 7748 0670 or +44 20 7748 0670or other claims 020 7748 0669

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3. If you cancel the trip due to:

a. stress, anxiety, depression or any other mental or nervous disorder thatyou are suffering from you must provide (at your own expense) amedical certificate from either a registered health professional if you areunder the care of a Community Mental Health Team or if not, a consultantspecialising in the relevant field or

b. any other bodily injury, illness, disease or complications arising as a directresult of pregnancy, you must provide (at your own expense) a medicalcertificate from a medical practitioner stating that this necessarily andreasonably prevented you from travelling.

We need the medical certificate completed as soon as you find out it isnecessary to cancel the trip, as any delay in seeing a medicalpractitioner could mean that your symptoms are no longer present. Ifyou cannot get an immediate appointment, please make one for as earlyas possible and keep all details of this to help substantiate your claim.

4. On condition that you contact us first, and that we make all the travelarrangements, we will pay necessary additional travelling costs incurred inreturning you home in the event you have a valid curtailment claim. If thesituation permits, and the period of your original booked trip has not expired,we will also pay necessary additional travel costs in transporting you back tothe location abroad. Travel by air will be limited to one economy/tourist classticket for each insured person.

5. We will only consider the unused expenses of a person who has taken outinsurance cover with TopDog Insurance. For example, if you are travelling withsomeone who is not insured, we only pay your proportion of costs, not theirs.

What is not covered1. The first £65 (Silver cover - £95) of each and every claim per incident

claimed for under this section by each insured person. Loss of deposit claimswill be £25.

2. The cost of your unused original tickets where the Emergency AssistanceService or we have arranged and paid for you to come home followingcurtailment of the trip. If however you have not purchased a return ticket,we reserve the right to deduct the cost of an economy flight from anyadditional costs we have incurred which are medically necessary to repatriateyou to your home.

3. The cost of Airport Departure Duty (whether irrecoverable or not).

4. Any claims arising directly or indirectly from:

a. Redundancy caused by or resulting from misconduct leading to dismissalor from resignation or voluntary redundancy or where you received awarning or notification of redundancy before you purchased thisinsurance or at the time of booking any trip

b. Circumstances known to you before you purchased this insurance or atthe time of booking any trip which could reasonably have been expectedto lead to cancellation or curtailment of the trip.

5. Travel tickets paid for using any airline mileage or supermarket rewardscheme, for example Air Miles, unless evidence of specific monetary value canbe provided.

6. Accommodation costs paid for using any timeshare, holiday property bond orother holiday points scheme.

7. The cost of going back to the original destination to finish your trip and thecosts of more accommodation there.

8. The provider (for example, an airline, hotel, ferry company and so on) notproviding any part of the trip you have booked, (this could be a service ortransport) unless the event is covered by this policy. If this happens, youshould claim against the provider.

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What is not covered1. The first £65 (Silver cover - £95) of each and every claim per incident

claimed for under this section by each insured person. In the event of anybodily injury occurring as a result of manual work involving voluntarylabour, the policy excess under this section will be increased to £250.

2. Normal pregnancy, without any accompanying bodily injury, illness, diseaseor complication. This section is designed to provide cover for unforeseenevents, accidents, illnesses and diseases and normal childbirth would notconstitute an unforeseen event.

3. The cost of your unused original tickets where the Emergency AssistanceService or we have arranged and paid for you to return to your home, if youcannot use the return ticket. If however you have not purchased a returnticket, we reserve the right to deduct the cost of an economy flight from anyadditional costs we have incurred which are medically necessary to repatriateyou to your home.

4. Any claims arising directly or indirectly in respect of:

a. Costs of telephone calls, other than:

i. calls to Mapfre Assistance notifying and dealing with the problem forwhich you are able to provide receipts or other reasonable evidence toshow the cost of the calls and the numbers you telephoned

ii. any costs incurred by you when you receive calls on your mobile fromMapfre Assistance for which you are able to provide receipts or otherreasonable evidence to show the cost of the calls.

b. The cost of taxi fares, other than those for your travel to or from hospitalrelating to your admission, discharge or attendance for outpatienttreatment or appointments or for collection of medication prescribed foryou by the hospital. However, any costs incurred by you to visit anotherperson in hospital are not covered.

c. The cost of treatment or surgery, including exploratory tests, which arenot directly related to the bodily injury or illness which necessitatedyour admittance into hospital.

d. Any expenses which are not usual, reasonable or customary to treat yourbodily injury, illness or disease.

e. Any form of treatment or surgery which in the opinion of the EmergencyAssistance Service or us (based on information provided by the medicalpractitioner in attendance), can be delayed reasonably until your returnto your home area.

f. Expenses incurred in obtaining or replacing medication, which you knowyou will need at the time of departure or which will have to be continuedoutside of your home area. Where possible and with the agreement ofyour medical practitioner, you should always travel with plenty ofextra medication in case of travel delays.

g. Additional costs arising from single or private room accommodation.

h. Treatment or services provided by a health spa, convalescent or nursinghome or any rehabilitation centre unless agreed by Mapfre Assistance.

i. Any expenses incurred after you have returned to your home area,unless you are travelling in your home area for 2 or more consecutivenights in pre-booked accommodation on an annual multi trip policy.

j. Any expenses incurred in England, Scotland, Wales or Northern Irelandwhich are:

i. for private treatment or

ii. funded by, or are recoverable from the Health Authority in your homearea.

k. Expenses incurred as a result of a tropical or other disease where youhave not had the NHS recommended inoculations and/or taken the NHSrecommended medication

l. Your decision not to be repatriated after the date when, in the opinion ofMapfre Assistance, it is safe to do so.

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What is coveredWe will pay you up to £10,000,000 for the following expenses which arenecessarily incurred within 12 months of the incident as a result of your sufferingunforeseen bodily injury, illness, disease and/or compulsory quarantine:

1. Emergency medical, surgical, hospital, ambulance and nursing fees andcharges incurred outside of your home area.

2. Emergency dental treatment for the immediate relief of pain (to natural teethonly) up to a limit of £250 you incurred outside of your home area.

3. If you die:

a. outside your home area, the reasonable additional cost of funeralexpenses abroad up to a maximum of £2,500 plus the reasonable cost ofreturning your ashes to your home, or the additional costs of returningyour body to your home

b. within your home area, the reasonable additional cost of returning yourashes or body to your home up to a maximum of £750.

4. reasonable additional transport (economy class) and/or accommodationexpenses incurred, up to the standard of your original booking (for examplefull or half board, all inclusive, bed and breakfast, self catering or room only),if it is medically necessary for you to stay beyond your scheduled return date.

This includes, with the prior authorisation of Mapfre Assistance, reasonableadditional transport and/or accommodation expenses for a travellingcompanion, friend or close relative to stay with you or travel to you fromyour home area or escort you, and additional travel expenses to return youto your home area or a suitable hospital nearby if you cannot use the returnticket.

5. With the prior authorisation of Mapfre Assistance, the additional costsincurred in the use of air transport or other suitable means, including qualifiedattendants, to repatriate you to your home area if it is medically necessary.These expenses will be for the identical class of travel utilised on the outwardjourney unless Mapfre Assistance agree otherwise. When travelling in yourhome area, if you are hospitalised 50 miles or more from home, eitherthrough sudden illness or accident, we will arrange and pay for your transferto a suitable hospital near your home when it becomes medically feasible.

Special conditions relating to claims1. You must give notice as soon as possible to Mapfre Assistance of any bodily

injury, illness or disease which necessitates your admittance to hospital as anin-patient or before any arrangements are made for your repatriation.

2. If you suffer bodily injury, illness or disease, we reserve the right to moveyou from one hospital to another and arrange for your repatriation to yourhome area at any time during the trip. We will do this if, if in the opinion ofthe Emergency Assistance Service or us (based on information provided bythe medical practitioner in attendance), you can be moved safely and / ortravel safely to your home area or a suitable hospital nearby to continuetreatment.

Section B – Emergency medical and other expenses

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What is coveredWe will pay you £25 for every complete 24 hours you have to stay in hospital asan in-patient or are confined to your accommodation due to your compulsoryquarantine or on the orders of a medical practitioner outside your home areaup to a maximum of £800 as a result of bodily injury, illness or disease yousustain.

We will pay the amount above in addition to any amount payable under Section B– Emergency medical and other expenses. This payment is meant to help you payfor additional expenses such as taxi fares and phone calls incurred by you or yourvisitors during your stay in hospital.

Special conditions relating to claims 1. You must give notice as soon as possible to Mapfre Assistance of any bodily

injury, illness or disease which necessitates your admittance to hospital as anin-patient, compulsory quarantine or confinement to your accommodationon the orders of a medical practitioner.

What is not covered1. Any claims arising directly or indirectly from:

a. Any additional period of hospitalisation, compulsory quarantine orconfinement to your accommodation:

i. relating to treatment or surgery, including exploratory tests, which arenot directly related to the bodily injury, illness or disease whichnecessitated your admittance into hospital.

ii. relating to treatment or services provided by a convalescent or nursinghome or any rehabilitation centre.

iii. following your decision not to be repatriated after the date when, inthe opinion of Mapfre Assistance, it is safe to do so.

b. Hospitalisation, compulsory quarantine or confinement to youraccommodation:

i. relating to any form of treatment or surgery which, in the opinion ofthe Emergency Assistance Service or us (based on informationprovided by the medical practitioner in attendance) can be delayedreasonably until your return to your home area.

ii. as a result of a tropical or other disease where you have not had theNHS recommended inoculations and/or taken the NHS recommendedmedication.

iii. occurring in England, Scotland, Wales or Northern Ireland and relatingto either private treatment or tests, surgery or other treatment, thecosts of which are funded by, or are recoverable from, the HealthAuthority in your home area.

2. Anything mentioned in the General exclusions.

Claims evidenceWe will require (at your own expense) the following evidence where relevant:

Confirmation in writing from the hospital, relevant authority or the treatingmedical practitioner of the dates on which you were admitted andsubsequently discharged from hospital, compulsory quarantine or confinement toyour accommodation.

Any other relevant information relating to the claim that we may ask you for.

To make a claim under this section, please call: 020 7748 0669

Section C – Hospital benefit

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m. Any extra costs after the time when, in our medical advisor’s opinion, youare fit to return to your home area (or your final country if you are on aone-way trip).

n. Any medical treatment that you receive after you have refused the offerof returning to your home area, when, in the opinion of our medicaladvisors, you are fit to travel.

o. Costs of more than £500 which we have not agreed beforehand.

5. Anything mentioned in the General exclusions.

You should also refer to the Important conditions relating to health on pages18 & 19.

Claims evidenceWe will require (at your own expense) the following evidence where relevant:

Receipts or bills for all in-patient/out-patient treatment or emergency dentaltreatment received.

In the event of death, the original death certificate and receipts or bills for funeral,cremation or repatriation expenses.

Receipts or bills for taxi fares to or from hospital claimed for, stating details of thedate, name and location of the hospital concerned.

Receipts or bills for any other transport, accommodation or other costs, chargesor expenses claimed for, including calls to Mapfre Assistance.

Any other relevant information relating to the claim that we may ask you for.

To make a claim under this section, please call:For curtailment claims 020 7748 0670 or +44 20 7748 0670or other claims 020 7748 0669

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Section E – Baggage

What is covered1. We will pay you up to £2,000 (Silver cover - £500) for the accidental loss of,

theft of or damage to baggage. The amount payable will be the value attoday’s prices less a deduction for wear, tear and depreciation (loss of value),or we may at our option replace, reinstate or repair the lost or damagedbaggage.

The maximum we will pay for the following items is:

a. £300 (Silver cover - £100) for any one article, pair or set of articles (forexample, a set of golf clubs)

b. £300 (Silver cover - £100) for the total for all valuables.

c. £150 for prescription glasses of any kind.

d. £400 for business goods or equipment owned by you but not hired,loaned or entrusted to you. (Silver cover – no cover)

2. We will also pay you up to £100 for the emergency replacement of clothing,medication and toiletries if your baggage is temporarily lost in transit duringthe outward journey and not returned to you within 12 hours, as long as wereceive written confirmation from the carrier, confirming the number of hoursthe baggage was delayed.

If the loss is permanent, we will deduct the amount paid from the finalamount to be paid under this section.

Special conditions relating to claims1. You must report to the local Police in the country where the incident occurred

within 24 hours of discovery, or as soon as possible after that and get (atyour own expense) a written report of the loss, theft or attempted theft ofall baggage.

2. If baggage is lost, stolen or damaged while in the care of a carrier, transportcompany, authority, hotel or your accommodation provider you must reportto them, in writing, details of the loss, theft or damage and get writtenconfirmation. If baggage is lost, stolen or damaged whilst in the care of anairline you must:

a. get a Property Irregularity Report from the airline.

b. give formal written notice of the claim to the airline within the time limitcontained in their conditions of carriage (please retain a copy).

c. keep all travel tickets and tags for submission if you are going to make aclaim under this policy.

3. You must provide proof of ownership for items lost, stolen or damaged as thiswill help you to substantiate your claim. Please see the Claims conditions forexamples of what we will accept as proof.

What is not covered1. The first £65 (Silver cover - £95) of each and every claim per incident

claimed for under this section by each insured person (except claims undersubsection 2. of What is covered).

2. Loss, theft of or damage to valuables left unattended at any time (includingin a vehicle, in checked in luggage or while in the custody of a carrier, touroperator or public transport operator) unless deposited in a hotel safe,safety deposit box or left in your locked accommodation. You must make anyclaims for delayed baggage to the airline within 21 days of getting it back.

3. Loss, theft of or damage to baggage contained in an unattended vehicleunless:

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Special definitions relating to this section (which are shown in italics)

Loss of limb

means loss by permanent severance of an entire hand or foot or the total andpermanent loss of use of an entire hand or foot.

Loss of sight

means total and irrecoverable loss of sight which shall be considered as havingoccurred:

a. in both eyes if your name is added to the Register of Blind Persons on theauthority of a fully qualified ophthalmic specialist and

b. in one eye if the degree of sight remaining after correction is 3/60 or less onthe Snellen scale.

What is coveredWe will pay one of the benefits shown below if you sustain bodily injury whichshall, solely and independently of any other cause, result within two years in yourdeath, loss of limb, loss of sight or permanent total disablement.

Section D – Personal accident

Benefit Up to 17 yearsinclusive

Age 18 years to 65 years

inclusive

Age 66years and

over

1. Accidental death £1,000 £20,000 (Silvercover - £5,000)

£1,000

2. Loss of one or more limbsand/or loss of sight in oneor both eyes

£1,000 £20,000 (Silver cover -

£10,000)

£1,000

3. Permanent totaldisablement

£1,000 £20,000 (Silver cover -

£10,000)

£1,000

Special conditions relating to claims1. Our medical practitioner may examine you as often as they consider

necessary if you make a claim.

Provisions1. Benefit is not payable to you:

a. Under more than one of items 1, 2 or 3.

b. Under item 3. until one year after the date you sustain bodily injury

c. Under item 3. if you are able or may be able to carry out any relevantoccupation.

What is not covered1. Anything mentioned in the General exclusions.

Claims evidenceWe will require (at your own expense) the following evidence where relevant:

In the event of accidental death, the original death certificate.

A medical certificate or report relating to claims for loss of limb, loss of sight orpermanent total disablement.

Any other relevant information relating to the claim that we may ask you for.

To make a claim under this section, please call: 020 7748 0669

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Section F – Personal money, passport and documents

What is covered1. We will pay you up to £500 (Silver cover - £250) for the accidental loss of,

theft of or damage to personal money and documents (including the unusedportion of passports, visas and driving licences and the cost of the emergencyreplacement or temporary passport or visa). We will also cover foreign currencyduring the 72 hours immediately before your departure on the outward journey.

The maximum we will pay for the following items is:

a. £200 (Silver cover - £150) for bank notes, currency notes and coins

b. £50 for bank notes currency notes and coins, if you are under the age of 18.

2. We will pay you up to £500 (Silver cover - £250) for reasonable additionaltravel and accommodation expenses incurred necessarily outside your homearea to obtain a replacement of your passport or visa which has been lost orstolen outside your home area.

Special conditions relating to claims1. You must report to the local Police in the country where the incident occurred

within 24 hours of discovery, or as soon as possible after that and get awritten report of the loss, theft or attempted theft of all personal money,passports or documents.

2. If personal money or passports are lost, stolen or damaged while in the careof a hotel or your accommodation provider, you must report (at your ownexpense) to them, in writing, details of the loss, theft or damage and getwritten confirmation. Keep all travel tickets and tags for submission if a claimis to be made under this policy.

3. If documents are lost, stolen or damaged while in the care of a carrier,transport company, authority, hotel or your accommodation provider youmust report to them, in writing, details of the loss, theft or damage and obtainwritten confirmation. If documents are lost, stolen or damaged whilst in thecare of an airline you must:

a. get a Property Irregularity Report from the airline.

b. give formal written notice of the claim to the airline within the time limitset out in their conditions of carriage (please keep a copy).

c. keep all travel tickets and tags for submission to us if you are going tomake a claim under this policy.

4. You must provide proof of ownership for items lost, stolen or damaged as thiswill help you to substantiate your claim. Please see the Claims conditions forexamples of what we will accept as proof.

What is not covered1. The first £65 (Silver cover - £95) of each and every claim per incident

claimed for under this section by each insured person.

2. Loss, theft of or damage to personal money or your passport or visa leftunattended at any time (including in a vehicle, in checked in luggage or whilein the custody of a carrier, tour operator or public transport operator) unlessdeposited in a hotel safe, safety deposit box or left in your lockedaccommodation.

3. Loss, theft of or damage to travellers’ cheques if you have not complied withthe issuer’s conditions or where the issuer provides a replacement service.

4. Loss or damage due to delay, confiscation or detention by customs or anyother authority.

5. Loss or damage due to depreciation (loss in value), variations in exchangerates or shortages due to error or omission.

6. Travel, event or entertainment tickets paid for using any airline mileage orsupermarket reward scheme (for example Air Miles), unless evidence ofspecific monetary value can be provided.

7. Anything mentioned in the General exclusions.

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a. it is locked out of sight in a secure baggage area and;

b. forcible and violent means have been used by an unauthorised person toeffect entry into the vehicle and evidence of such entry is available.

4. Loss or damage due to delay, confiscation or detention by customs or anyother authority.

5. Loss, theft of or damage to unset precious stones, contact or corneal lenses,hearing aids, dental or medical fittings, antiques, musical instruments,documents of any kind, bonds, securities, perishable goods (such asfoodstuffs), bicycles, ski equipment, and damage to suitcases (unless thesuitcases are entirely unusable as a result of one single incidence of damage).

6. Loss or damage due to cracking, scratching, breakage of or damage to china, glass(other than glass in watch faces, cameras, binoculars or telescopes), porcelain orother brittle or fragile articles unless caused by fire, theft, or an accident to theaircraft, sea vessel, train or vehicle in which they are being carried.

7. Loss or damage due to breakage of sports equipment or damage to sportsclothing whilst in use.

8. Loss or damage caused by wear and tear, depreciation (loss in value),atmospheric or climatic conditions, moth, vermin, any process of cleaningrepairing or restoring, mechanical or electrical breakdown.

9. Mobile phones and mobile phone accessories, prepaid minutes you have notused, mobile rental charges or prepayments (for example, a contract phonewith free minutes and text messages).

10. Anything mentioned in the General exclusions.

Claims that result from you losing your baggage or it being damaged or delayedwhile being held by an airline, should be made to the airline first. Any money youget under this policy will be reduced by the amount of compensation you receivefrom the airline for the same event.

Claims evidenceWe will require (at your own expense) the following evidence where relevant:

A Police report from the local Police in the country where the incident occurredfor all loss, theft or attempted theft.

A Property Irregularity Report from the airline or a letter from the carrier whereloss, theft or damage occurred in their custody.

A letter from your tour operator’s representative, hotel or accommodationprovider where appropriate.

All travel tickets and tags for submission.

Proof of ownership for items lost, stolen or damaged and for all items of clothing,medication and toiletries replaced if your baggage is temporarily lost in transitfor more than 12 hours.

A letter from the carrier confirming the number of hours your baggage wasdelayed.

Repair report where applicable.

Any other relevant information relating to the claim that we may ask you for.

To make a claim under this section, please call: 020 7748 0669

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Section G – Personal liability

What is coveredWe will pay up to £2,000,000 (including legal costs and expenses) against anyamount you become legally liable to pay as compensation for any claim or seriesof claims arising from any one event or source of original cause in respect ofaccidental:

1. Bodily injury, death, illness or disease to any person who is not in youremployment or who is not a close relative or not a person living in yourhome

2. Loss of or damage to property that does not belong to and is neither in thecharge of or under the control of you, a close relative, anyone in youremployment or anyone living in your home other than any temporary holidayaccommodation occupied (but not owned) by you.

Special conditions relating to claims1. You must give us written notice of any incident which may give rise to a claim

as soon as possible.

2. You must send us every writ, summons, letter of claim or other document assoon as you receive it.

3. You must not admit any liability or pay, offer to pay, promise to pay ornegotiate any claim without our permission in writing.

4. We will be entitled to take over and carry out in your name the defence ofany claims for compensation or damages or otherwise against any third party.We shall have full discretion in the conduct of any negotiation or proceedingsor in the settlement of any claim and you shall give us all necessaryinformation and assistance which we may require.

5. If you die, your legal representative(s) will have the protection of this coveras long as they comply with the terms and conditions outlined in this policy.

What is not covered1. The first £65 (Silver cover - £95) of each and every claim arising from the

same incident claimed for under this section relating to any temporary holidayaccommodation occupied by you.

2. Compensation or legal costs arising directly or indirectly from:

a. Liability which has been assumed by you under agreement (such as a hireagreement) unless the liability would have existed without the agreement.

b. Pursuit of any business, trade, profession or occupation or the supply ofgoods or services.

c. Ownership, possession or use of mechanically propelled vehicles, aircraftor watercraft (other than surfboards or manually propelled rowing boats,punts or canoes).

d. The transmission of any communicable disease or virus.

3. Anything mentioned in the General exclusions.

Claims evidenceWe will require (at your own expense) the following evidence where relevant:

Full details in writing of any incident.

Any writ, summons, letter of claim or other document must be sent to us as soonas you receive it.

Any other relevant information relating to the claim that we may ask you for.

To make a claim under this section, please call: 020 7748 0669

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Claims evidenceWe will require (at your own expense) the following evidence where relevant:

A Police report from the local Police in the country where the incident occurredfor all loss, theft or attempted theft.

A Property Irregularity Report from the airline or a letter from the carrier whereloss, theft of damage occurred in their custody.

A letter from your tour operator’s representative, hotel or accommodationprovider where appropriate.

All travel tickets and tags for submission.

Proof of ownership for items lost, stolen or damaged.

Receipts or bills for any transport and accommodation expenses claimed for.

Receipt for all currency and travellers’ cheques transactions.

Any other relevant information relating to the claim that we may ask you for.

To make a claim under this section, please call: 020 7748 0669

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What is not covered1. The first £65 of each and every claim per incident claimed for under this

section by each insured person under subsection 2. of What is covered.

2. Claims arising directly or indirectly from:

a. Strike or industrial action or air traffic control delay or adverse weatherconditions existing or being publicly announced or forecast by the dateyou purchased this insurance or at the time of booking any trip.

b. An aircraft or sea vessel being withdrawn from service (temporary orotherwise) on the recommendation of the Civil Aviation Authority, PortAuthority or any such regulatory body in a country to/from which you aretravelling.

c) Volcanic eruptions and/or volcanic ash clouds.

3. The cost of Air Passenger Duty (APD) whether irrecoverable or not.

4. Any claim that results from you missing a connecting flight.

5. Anything mentioned in the General exclusions.

Claims evidenceWe will require (at your own expense) the following evidence where relevant:

Full details of the travel itinerary supplied to you.

A letter from the carriers (or their handling agents) confirming the number of hoursdelay, the reason for the delay and confirmation of your check in time.

In the case of cancellation claims, your booking confirmation together withwritten details from your travel agent, tour operator or provider oftransport/accommodation showing the separate costs of transport,accommodation and other pre-paid costs or charges that made up the total costof the trip.

Your unused travel tickets.

Receipts or bills for any transport, accommodation or other costs, charges orexpenses claimed for.

Any other relevant information relating to the claim that we may ask you for.

To make a claim under this section, please call: 020 7748 0669

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Section H – Delayed departure andabandonment Gold cover only

You are entitled to claim for either delayed departure or abandoning your holiday,but not for both.

What is coveredIf departure of the public transport on which you are booked to travel is delayedat the final departure point from or to your home area for at least 12 hoursfrom the scheduled time of departure due to:

a. strike or

b. industrial action or

c. adverse weather conditions or

d. mechanical breakdown of, or a technical fault occurring in, the publictransport on which you are booked to travel

We will pay you:

Delayed departure

1. £20 for the first completed 12 hours delay and £10 for each full 12 hoursdelay after that, up to a maximum of £300 (which is meant to help you payfor telephone calls made and meals and refreshments purchased during thedelay) provided you eventually travel, or

Abandoning your trip

2. Up to £5,000 for any irrecoverable unused travel and accommodation costsand other pre-paid charges which you have paid or are contracted to pay if,after a delay of at least 12 hours, you choose to cancel your trip beforedeparture from your home area.

If you have to abandon your outward trip where the delay has been caused by astrike or industrial action, poor weather conditions or a mechanical breakdown,we will pay for your unused travel and accommodation expenses, including anylocal prepaid excursions, tours or activities, up to the amount shown in the table ofbenefits after any amount that you can get back is taken off.

You may claim only under subsection 1. or 2. above for the same event, notboth.

Please note: If you are a Channel Islands resident travelling outside the UnitedKingdom, then this cover only applies to the outward and inward journey fromthe United Kingdom.

Special conditions relating to claims1. You must check in according to the itinerary given to you unless your tour

operator has requested you not to travel to the airport.

2. You must get written confirmation (at your own expense) from the carriers(or their handling agents) of the number of hours of delay and the reasonfor the delay.

3. You must comply with the terms of contract of the travel agent, touroperator, carrier or transport provider.

You should make claims that result from abandoning your holiday and happen asa result of the circumstances described in the EU travel directives (see the insidecover of this policy booklet) to the airline first. We will pay any money under thispolicy after the amount of compensation you receive from the airline for thesame event is taken off.

41

A letter from the relevant public transport provider, carrier or authorityconfirming details of the strike, industrial action or adverse weather conditions.

Your unused travel tickets.

Receipts or bills for any transport, accommodation or other costs, charges orexpenses claimed for.

Any other relevant information relating to the claim that we may ask you for.

To make a claim under this section, please call: 020 7748 0669

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Section I – Missed departure

What is coveredWe will pay you up to £500 if travelling to a European destination, or £1,000 iftravelling outside of Europe for reasonable additional accommodation (room only)and travel expenses necessarily incurred in reaching your overseas destination orreturning to your home area if you fail to arrive at the international departurepoint in time to board the public transport on which you are booked to travelon the initial international journey of the trip as a result of:

1. the failure of other public transport or

2. an accident to or breakdown of the vehicle in which you are travelling or

3. an accident or breakdown happening ahead of you on a public road whichcauses an unexpected delay to the vehicle in which you are travelling or

4. strike, industrial action or adverse weather conditions.

You may claim only under one of either Section I – Missed departure or, SectionH – Delayed departure for the same event.

Please Note: If you are a Channel Islands resident travelling outside the UnitedKingdom then this cover only applies to the outward and inward journey from andto the United Kingdom.

Special conditions relating to claims

1. If you make a claim caused by any delay happening on a public road, you mustget written confirmation or other evidence (at your own expense) from thePolice, emergency breakdown services or authority who went to the accidentor breakdown of the location, reason for and duration of the delay.

2. You must allow enough time for the public transport or other transport toarrive on schedule and to deliver you to the departure point.

What is not covered1. Claims arising directly or indirectly from:

a. Strike or industrial action or air traffic control delay or adverse weatherconditions existing or being publicly announced or forecast by the dateyou purchased this insurance or at the time of booking any trip.

b. An accident to or breakdown of the vehicle in which you are travellingwhen a repairers report or other evidence is not provided.

c. Breakdown of any vehicle owned by you which has not been servicedproperly and maintained in accordance with manufacturer’s instructions.

d. An aircraft or sea vessel being withdrawn from service (temporary orotherwise) on the recommendation of the Civil Aviation Authority, PortAuthority or any such regulatory body in a country to/from which you aretravelling.

e. Volcanic eruptions and/or volcanic ash clouds.

2. Additional expenses where the scheduled public transport operator hasoffered reasonable alternative travel arrangements.

3. Anything mentioned in the General exclusions.

Claims evidence

We will require (at your own expense) the following evidence where relevant:

A letter from the public transport provider detailing the reasons for failure.

A letter from the Police or emergency breakdown services confirming the location,reason for and duration of the delay on a public road if appropriate.

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What is not covered1. Claims arising from strike or industrial action or air traffic control delay or

adverse weather conditions existing or being publicly announced or forecastby the date you purchased this insurance or at the time of booking any trip.

2. Claims due to you allowing insufficient time to complete your journey to thedeparture point.

3. Withdrawal from service (temporary or otherwise) of the aircraft, sea vessel,coach or train on which you are booked to travel, by order orrecommendation of the regulatory authority in any country. You should directany claim to the transport operator involved.

4. Additional costs where the scheduled public transport operator has offeredreasonable alternative travel arrangements.

5. Breakdown of any vehicle owned by you which has not been servicedproperly and maintained in accordance with manufacturer’s instructions.

6. Immobilisation or loss of any vehicle you have taken abroad on your trip.

7. Anything mentioned in the General exclusions.

Claims evidenceWe will require (at your own expense) the following evidence where relevant:

A letter from the carriers (or their handling agents) confirming the period of delayand the reason for the delay.

Any other relevant information relating to your claim under this section that wemay ask you for.

To make a claim under this section, please call: 020 7748 0669

42

Section J – UK departure assistanceand missed UK connection

What is coveredWe will pay you up to £500 to meet the additional costs incurred should you bedelayed or miss your connection as follows:

On your outward journey from the United KingdomIf, after leaving your home, you are delayed during your internal/connectingjourney to the airport, port, coach or rail terminal, as a result of disruption,cancellation, delay, curtailment, suspension, failure or alteration of publictransport, or breakdown or accident immobilising the private vehicle in whichyou are travelling, we will:

1. provide assistance to enable you to continue your journey to the UnitedKingdom international departure point

2. where necessary, provide alternative transport or emergency local help,including the towing of your vehicle to the nearest garage.

On your return to the United Kingdom1. If your main international air, sea, coach or rail carrier is delayed and you miss

your pre-booked and pre-paid United Kingdom internal travel connectionby scheduled public transport we will:

a. assist you to reach home from the point where you transfer from themain international air, sea, coach or rail carrier.

b. liaise with the onward transport provider to advise of your late arrival andwill, if necessary, make alternative travel arrangements to enable you toget home within a reasonable time.

2. Should you arrive at the United Kingdom transfer point on time but you areunable to continue home as planned due to the disruption, cancellation, delay,curtailment, suspension, failure or alteration of your planned internal travelconnection by scheduled public transport; we will:

a. provide necessary alternative transport, local emergency assistance,recovery of the private vehicle and the passengers to home or overnightaccommodation if no alternative transport is available until the followingday or whilst awaiting repairs to the private vehicle.

Special conditions relating to claims1. If you suffer delays, you must obtain written confirmation (at your own

expense) from the carrier (or their handling agents) stating the period andreason for delay.

2. If the private vehicle in which you are travelling or intending to travel isimmobilised by breakdown or accident, then you will be responsible forauthorising repairs and for meeting any costs other than for 1 hour’s roadsideassistance and towing charges to the nearest garage.

3. You must take every reasonable step to commence and complete the journeyto the United Kingdom international departure point on time.

45

Claims evidenceWe will require (at your own expense) the following evidence where relevant:

Relevant documentation and evidence to support your claim, includingphotographic evidence.

Any other relevant information relating to the claim that we may ask you for.

To make a claim under this section, please call: 020 7748 0669

44

Section K – Legal expensesand assistance

What is coveredWe will pay up to £25,000 (Silver cover - £10,000) for legal costs to pursue acivil action for compensation against someone else who causes you bodilyinjury, illness or death.

Where there are two or more insured persons insured by this policy, then themaximum amount we will pay for all such claims shall not exceed £50,000 (Silvercover - £20,000).

Special conditions relating to claims1. We shall have complete control over the legal case through agents we

nominate, by appointing agents of our choice on your behalf with theexpertise to pursue your claim.

2. You must follow our agent’s advice and provide any information andassistance required within a reasonable timescale.

3. You must advise us of any offers of settlement made by the negligent thirdparty and you must not accept any such offer without our permission.

4. We will decide the point at which your legal case cannot usefully be pursuedfurther. After that, no further claims can be made against us.

5. We may include a claim for our legal costs and other related expenses.

6. We may, at our own expense, take proceedings in your name to recovercompensation from any third party for any legal costs incurred under thispolicy. You must give us any assistance we require from you and any amountrecovered shall belong to us.

What is not coveredWe shall not be liable for:

1. Any claim where, in our opinion, there is insufficient prospect of success inobtaining reasonable compensation.

2. Legal costs and expenses incurred in pursuit of any claim against a travelagent, tour operator, carrier, us, Mapfre Assistance or their agents, someoneyou were travelling with, a person related to you, or another insured person.

3. Legal costs and expenses incurred prior to our written acceptance of thecase.

4. Any claim where the legal costs and expenses are likely to be greater than theanticipated amount of compensation.

5. Any claim where legal costs and expenses are based directly or indirectly onthe amount of compensation awarded (for example a Contingency FeeAgreement).

6. Legal costs and expenses incurred in any claim which is capable of beingpursued under a Conditional Fee Agreement.

7. Legal costs and expenses incurred if an action is brought in more than onecountry.

8. Any claim where, in our opinion, the estimated amount of compensationpayment is less than £1,000 for each insured person.

9. Travel, accommodation and incidental costs incurred to pursue a civil actionfor compensation.

10. The costs of any Appeal.

11. Claims by you other than in your private capacity.

12. Anything mentioned in the General exclusions.

Section L - Extended kennel and / or cattery fees

What is coveredWe will pay you up to £250 (£150 for trips in your home area) for anyadditional kennel/cattery fees incurred if your domestic dog(s)/cat(s) are in akennel/cattery during your trip and your return to your home has been delayeddue to your bodily injury, illness or disease.

Special conditions relating to claims 1. You must send us written confirmation (at your own expense) from the

appropriate kennel or cattery confirming the amount of additional fees thatyou have had to pay together with the dates for which these were payable.

What is not covered1. Claims arising from your bodily injury, illness or disease that are not covered

under Section B – Emergency medical and other expenses

2. Anything mentioned in the General exclusions.

Claims evidenceWe will require (at your own expense) the following evidence where relevant:

Written confirmation from the appropriate kennel or cattery confirming theamount of additional fees that you have had to pay together with the dates forwhich these were payable.

A medical certificate from the treating medical practitioner explaining why youwere unable to return home on time.

Your unused travel tickets.

Any other relevant information relating to the claim that we may ask you for.

To make a claim under this section, please call: 020 7748 0669

4746

Section N – Incarceration abroadGap Year cover only

What is coveredWe will pay you up to £500 in total for one of your parents to visit you if you arelawfully imprisoned by the local judiciary during your trip for a period of at leasttwo weeks and there is no chance of you being released within another two weeks.

The maximum we will pay is:

a. £350 for economy class return air tickets for one of your parents to visit youin prison.

b. £150 towards accommodation costs, for your visiting parent, with a limit of£50 for each 24 hour period.

Special conditions relating to claims1. You must report the matter to us or your parents as soon as possible following

your arrest and provide us with a Police report confirming that you werelawfully imprisoned and the date of such imprisonment.

What is not covered1. Any costs incurred by you in relation to your imprisonment.

2. Your parent’s costs before you were in prison for a total of two weeks.

3. Any claim arising from a trip taken within the United Kingdom.

4. Any amount that can be recovered by you from other sources.

5. Anything mentioned in the General exclusions.

Claims evidenceWe will require (at your own expense) the following evidence where relevant:

A Police report from the local Police in the country where the incident occurredconfirming that you were lawfully imprisoned and the dates of suchimprisonment.

Any other relevant information relating to the claim that we may ask you for.

To make a claim under this section, please call: 020 7748 0669

Section M - Hijack and kidnap

What is coveredIf you are prevented from reaching your scheduled destination as a result ofhijack or kidnap of the aircraft or ship in which you are travelling, we will pay you£50 for the first full 24 hours of delay and £50 for each subsequent full 24 hoursof delay up to £5,000. This benefit is only payable if no claim is made underSection A - Cancellation, curtailment or trip interruption charges or Section H -Delayed departure.

Special conditions relating to claims1. Claims will not be accepted for hijack or kidnap that have directly resulted

from the activities of an insured person.

2. You have no family or business connections that have directly led to a claimunder this section.

3. All your visas and documents are in order.

4. You must report any hijack or kidnap to the police as soon as possible uponyour release and provide us, within 30 days of returning from the trip, witha police report confirming that you were unlawfully detained and the dates ofsuch detention.

What is not covered1. Any claim relating to payment of ransom monies.

2. Any claim arising out of any act(s) by you which would be considered anoffence by a court of the United Kingdom if they had been committed in theUnited Kingdom.

3. Any claim where the detainment, internment, hijack or kidnap of you has notbeen reported to or investigated by the police or local authority.

4. Anything mentioned in General exclusions.

Claims evidenceWe will require (at your own expense) the following evidence where relevant:

A Police report from the local Police in the country where the incident occurredconfirming that you were unlawfully detained and the dates of such detention.

Any other relevant information relating to the claim that we may ask you for.

To make a claim under this section, please call: 020 7748 0669

4948

What is not covered1. The first £65 (Silver cover - £95) of each and every claim per incident

claimed for under this section by each insured person.

2. Loss, theft of or damage to ski equipment contained in or stolen from anunattended vehicle unless:

a. it is locked out of sight in a secure baggage area

b. forcible and violent means have been used by an unauthorised person toeffect entry into the vehicle and evidence of such entry is available.

3. Loss or damage due to delay, confiscation or detention by customs or anyother authority.

4. Loss or damage caused by wear and tear, depreciation (loss in value),deterioration, atmospheric or climatic conditions, moth, vermin, any processof cleaning, repairing or restoring, mechanical or electrical breakdown.

5. Winter sports equipment you left unattended in a public place, unless theclaim is about skis, poles or snowboards, and you have taken all reasonablecare to protect them by leaving them in a ski rack between 10am and 8pm

6. Anything mentioned in the General exclusions.

Claims evidenceWe will require (at your own expense) the following evidence where relevant:

A Police report from the local Police in the country where the incident occurredfor all loss, theft or attempted theft.

A Property Irregularity Report from the airline or a letter from the carrier whereloss, theft or damage occurred in their custody.

A letter from your tour operator’s representative, hotel or accommodationprovider where appropriate.

All travel tickets and tags for submission.

Proof of ownership for items lost, stolen or damaged.

Repair report where applicable.

Any other relevant information relating to the claim that we may ask you for.

To make a claim under this section, please call: 020 7748 0669

Sections O, P, Q, R and S – Winter sports Only operative if indicated in the schedule

Section O – Ski equipment Only operative if indicated in the schedule

Cover for sections O, P, Q, R and S only operates:-

1. If the appropriate winter sports section is shown as operative in the scheduleand the appropriate additional premium has been paid.

2. Under annual multi trip policies for a period no more than 17 days in total in eachperiod of insurance, if the appropriate winter sports section is shown asoperative in the schedule and the appropriate additional premium has been paid.

What is coveredWe will pay you up to £500 for the accidental loss of, theft of or damage to yourown ski equipment, or up to £250 for hired ski equipment. The amount payablewill be the value at today’s prices less a deduction for wear tear and depreciation(loss of value - calculated from the table below), or we may at our option replace,reinstate or repair the lost or damaged ski equipment.

Age of ski equipment Amount payable

Less than 1 year old 90% of value

Over 1 year old 70% of value

Over 2 years old 50% of value

Over 3 years old 30% of value

Over 4 years old 20% of value

Over 5 years old No payment

The maximum we will pay for any one article, pair or set of articles is £250.

Special conditions relating to claims1. You must report to the local Police in the country where the incident occurred

within 24 hours of discovery or as soon as possible after that and get awritten report (at your own expense) of the loss, theft or attempted theft ofall ski equipment.

2. If ski equipment is lost, stolen or damaged while in the care of a carrier,transport company, authority, hotel or your accommodation provider, youmust report to them, in writing, details of the loss, theft or damage and get(at your own expense) written confirmation. If ski equipment is lost, stolenor damaged whilst in the care of an airline you must:

a. get a Property Irregularity Report from the airline

b. give formal written notice of the claim to the airline within the time limitset out in their conditions of carriage (please keep a copy)

c. keep all travel tickets and tags for submission if you are going to make aclaim under this policy.

3. You must provide proof of ownership for items lost, stolen or damaged as thiswill help you to substantiate your claim. Please see the Claims conditions forexamples of what we will accept as proof.

5150

Section Q – Ski pack Only operative if indicated in the schedule

What is coveredWe will pay you:

a. Up to £500 for the unused portion of your ski pack (ski school fees, liftpasses and hired ski equipment) following your bodily injury, illness ordisease.

b. Up to £200 for the unused portion of your lift pass if you lose it.

Special conditions relating to claims 1. You must provide (at your own expense) written confirmation to us from a

medical practitioner that such bodily injury, illness or disease preventedyou from using your ski pack.

What is not covered1. Anything mentioned in the General exclusions.

Claims evidenceWe will require (at your own expense) the following evidence where relevant:

A medical certificate from the treating medical practitioner explaining why youwere unable to use your ski pack.

Any other relevant information relating to the claim that we may ask you for.

To make a claim under this section, please call: 020 7748 0669

Section P – Ski equipment hire Only operative if indicated in the schedule

What is coveredWe will pay you up to £15 per day, up to a maximum of £300 for the reasonablecost of hiring replacement ski equipment as a result of the accidental loss of,theft of or damage to or temporary loss in transit for more than 24 hours of yourown ski equipment.

Special conditions relating to claims

1. You must report to the local Police in the country where the incident occurredwithin 24 hours of discovery or as soon as possible after that and get awritten report of the loss, theft or attempted theft of your own skiequipment.

2. If ski equipment is lost, stolen or damaged while in the care of a carrier,transport company, authority, hotel or your accommodation provider, youmust report to them, in writing, details of the loss, theft or damage and get(at your own expense) written confirmation. If ski equipment is lost, stolenor damaged whilst in the care of an airline, you must:

a. get a Property Irregularity Report from the airline.

b. give formal written notice of the claim to the airline within the time limitset out in their conditions of carriage (please keep a copy).

c. keep all travel tickets and tags for submission if you are going to make aclaim under this policy.

3. You must provide proof of ownership for items lost, stolen or damaged as thiswill help you to substantiate your claim. Please see the Claims conditions forexamples of what we will accept as proof.

What is not covered1. Loss, theft of or damage to ski equipment contained in or stolen from an

unattended vehicle unless:

a. it is locked out of sight in a secure baggage area

b. forcible and violent means have been used by an unauthorised person toeffect entry into the vehicle and evidence of such entry is available.

2. Loss or damage due to delay, confiscation or detention by customs or anyother authority.

3. Loss or damage caused by wear and tear, depreciation (loss of value),deterioration, atmospheric or climatic conditions, moth, vermin, any processof cleaning, repairing or restoring, mechanical or electrical breakdown.

4. Anything mentioned in the General exclusions.

Claims evidence

We will require (at your own expense) the following evidence where relevant:

A Police report from the local Police in the country where the incident occurredfor all loss, theft or attempted theft.

A Property Irregularity Report from the airline or a letter from the carrier whereloss, theft or damage occurred in their custody.

A letter from your tour operator’s representative, hotel or accommodationprovider where appropriate.

All travel tickets and tags for submission.

Proof of ownership for items lost, stolen or damaged together with receipts orbills detailing the costs incurred of hiring replacement ski equipment.

Any other relevant information relating to the claim that we may ask you for.

To make a claim under this section, please call: 020 7748 0669

5352

Section S – Avalanche or landslide cover Only operative if indicated in the schedule

What is coveredWe will pay you £30 per day up to £150 for reasonable additional accommodation(room only) and travel expenses necessarily incurred in reaching your bookedresort or returning home if you are delayed by avalanche or landslide. The coveronly applies to trips taken outside your home area during the published skiseason for your resort.

Special conditions relating to claims1. You must get (at your own expense) written confirmation from the relevant

authority or your tour operator’s representative confirming the event.

What is not covered1. Anything mentioned in the General exclusions.

Claims evidenceWe will require (at your own expense) the following evidence where relevant:

A letter from the relevant authority or your tour operator’s representativeconfirming details of the avalanche or landslide that caused the delay and theperiod of delay.

Receipts or bills for any accommodation and travel expenses claimed for.

Any other relevant information relating to the claim that we may ask you for.

To make a claim under this section, please call: 020 7748 0669

Section R – Piste closureOnly operative if indicated in the schedule

What is coveredWe will pay you up to £20 per day, up to a maximum of £200 for transport costsnecessarily incurred by you to travel to and from an alternative site if either lackof or excess of snow, or an avalanche, results in the skiing facilities (excludingcross-country skiing) in your resort being closed and it is not possible to ski. Thecover only applies:

a. To the resort which you have pre-booked for a period more than 12 hoursand for so long as these conditions continue at the resort, but not more thanthe pre-booked period of your trip and

b. To trips taken outside your home area during the published ski season foryour resort.

If no alternative sites are available, we will instead pay you compensation of £20per day up to a maximum of £200.

Special conditions relating to claims1. You must get (at your own expense) written confirmation from the relevant

authority, ski lift operator or your tour operator’s representative of thenumber of days that skiing facilities were closed in your resort and the reasonfor the closure.

What is not covered1. Any circumstances where transport costs, compensation or alternative skiing

facilities are provided to you.

2. Anything mentioned in the General exclusions.

Claims evidenceWe will require (at your own expense) the following evidence where relevant:

A letter from the relevant authority, ski lift operator or your tour operator’srepresentative of the number of days that skiing facilities were closed in yourresort and the reason for the closure.

Receipts or bills for any transport costs claimed for.

Any other relevant information relating to the claim that we may ask you for.

To make a claim under this section, please call: 020 7748 0669

5554

Section U – Computer equipment Gap Year - Gold plus coverOnly operative if indicated in the schedule

What is coveredWe will pay you up to £1,000 for the accidental loss of, theft of or damage tocomputer equipment owned by you. The amount payable will be the value at today’sprices less a deduction for wear, tear and depreciation (loss of value), or we may atour option replace, reinstate or repair the lost or damaged computer equipment.

The Special conditions relating to claims, What is not covered and Claims evidenceparagraphs under Section E – Baggage also apply to this section.

Claims evidenceWe will require (at your own expense) the following evidence where relevant:

A medical certificate from the treating medical practitioner (or in the case ofstress, anxiety, depression or any other mental or nervous disorder a consultantspecialising in the relevant field) explaining why it was necessary for you to cancelor curtail the trip.

In the case of death causing cancellation or curtailment of the trip, the originaldeath certificate.

Original course booking confirmation from the college together with an invoice forany additional course fees charged where the course has to be repeated.

Receipts or bills for any college fees claimed for.

Any other relevant information relating to the claim that we may ask you for.

To make a claim under this section, please call: 020 7748 0669

Section T – Course fees Gap Year - Gold plus coverOnly operative if indicated in the schedule

What is coveredWe will pay you up to £2,000 for the reimbursement of pre-paid college coursefees where your course has to be:

1. cancelled or curtailed as a result of the following events occurring:

a. The death, bodily injury, illness, disease or complications arising as a directresult of pregnancy of:

i. you

ii. any person with whom you are travelling or have arranged to travel with

iii. any person whom you have arranged to stay with

iv. your close relative.

2. repeated in whole or part as a result of:

a. death, serious illness of or bodily injury to a close relative making itnecessary for you to return to your home or

b. serious illness or bodily injury to you which strictly necessitates absencefrom the course.

Special conditions relating to claims1. You must get (at your own expense) a medical certificate from a medical

practitioner and the prior approval of Mapfre Assistance to confirm thenecessity to return home prior to curtailment of the trip due to death, bodilyinjury, illness, disease or complications arising as a direct result of pregnancy.

2. If you fail to notify the college as soon as you find out it is necessary to cancelthe trip, the amount we will pay will be limited to the cancellation charges thatwould have otherwise applied.

3. If you cancel the trip due to:

a. stress, anxiety, depression or any other mental or nervous disorder thatyou are suffering from, you must provide a medical certificate from aconsultant specialising in the relevant field or

b. any other bodily injury, illness, disease or complications arising as a directresult of pregnancy, you must provide (at your own expense) a medicalcertificate from a medical practitioner stating that this necessarily andreasonably prevented you from travelling.

What is not coveredWe will not pay:

1. The first £65 of each and every claim per incident claimed for under thissection by each insured person

2. Unless the college confirms in writing that the course or any part of it needsto be repeated.

3. Any cost which is recoverable from elsewhere.

4. Any claim arising from sport or recreational activity

5. Anything mentioned in General exclusions.

5756

Complaints procedure Making yourself heard

We are committed to providing you with an exceptional level of service andcustomer care. We realise that things can go wrong and there may be occasionswhen you feel that we have not provided the service you expected. If thishappens, we want to hear about it so that we can try to put things right.

If you have a complaint about the sale of your policyIn the first instance please write to: Customer Care ManagerTopDog Insurance109 Elmers End RoadBeckenhamKentBR3 4SY orBy email to quality@topdoginsurance.co.uk If, having followed this procedure, you remain dissatisfied with our response, youmay write to our chief executive officer at CEO@topdoginsurance.co.uk and hewill in support of our promise of the highest level of service, personally ensurethat your complaint is reviewed within 5 working days of the receipt of yourcommunication.

If you have a complaint about a claimPlease write to:The Customer Relations ManagerTopDog Insurance Claims DepartmentMaitland HouseWarrior SquareSouthend-on-SeaEssexSS1 2JY.Phone: 020 7748 0669If you are still not satisfied with the way we have handled your complaint, youmay take your complaint to the Financial Ombudsman Service who willinvestigate your complaint.Insurance DivisionThe Financial Ombudsman ServiceSouth Quay Plaza183 Marsh WallLondonE14 9SRPhone: 0845 080 1800E-mail: complaint.info@financial-ombudsman.org.uk

Data Protection Act 1998 Notice

We collect and maintain personal information in order to underwrite andadminister the policies of insurance that we or our agents issue. All personalinformation is treated with the utmost confidentiality and with appropriate levelsof security. We will not keep your information longer than is necessary.

Your information will be protected from accidental or unauthorised disclosure. Wewill only reveal your information if it is allowed by law, authorised by you, toprevent fraud or in order that we can liaise with our agents in the administrationof this policy. Your data may be sent to other companies outside the EuropeanEconomic Area for secure processing.

In order to assess the terms of the insurance contract or administer claims whicharise, we may need to collect data which the Data Protection Act considers assensitive (such as medical history or criminal convictions). If you proceed with anapplication for insurance, you will signify your consent to such information beingprocessed by us or our agents.

Under the terms of the Act you have the right to ask for a copy of any informationwe hold on you upon payment of an administrative fee and to require a correctionof any incorrect information held. Any inaccurate or misleading data will becorrected as soon as possible.

The above principles apply whether we hold your information on paper or inelectronic form.

Enquiries in relation to data held by Healthscreen247 should be directedto the Data Compliance Manager, Healthscreen247 by e-mail toinfo@topdoginsurance.co.uk or by telephone on 0845 618 0370, while those in relation to data held by Mapfre Assistance should be directed inwriting to Data Protection Officer, Mapfre Assistance, Maitland House, WarriorSquare, Southend on Sea, Essex, SS1 2JY.

5958

10 things to do before you go

Check the Foreign and Commonwealth Office (FCO) travel adviceonline at www.fco.gov.uk or phone 0845 850 2829.

Get travel insurance and check that the cover is appropriate.

Get a good guidebook and get to know the place you are going to. Findout about local laws and customs.

Make sure you have a valid passport and any visas you need.

Check what vaccinations you need at least six weeks before you go.

Check to see if you need to take extra health precautions (visitwww.dh.gov.uk/en/publichealth).

Make sure whoever you book your trip through is a member of theAssociation of British Travel Agents (ABTA) or the Air Travel Organisers’Licensing scheme (ATOL).

Photocopy your passport, insurance policy, 24-hour emergencynumbers and your ticket details and leave copies with family andfriends.

Take enough money for your trip and some back-up funds, for example,traveller’s cheques, sterling or US dollars.

Tell your family or friends where you will be staying and what you planto do, and give them a way of contacting you, (such as an e-mailaddress).

Important

Under the new travel directive from the European Union (EU), you areentitled to claim compensation from your airline if any of the followinghappen.

You are not allowed to board or your flight is cancelled.If you check-in on time but you are not allowed to board because thereare too many passengers for the number of seats available or your flightis cancelled, the airline operating the flight must offer you financialcompensation.

There are long delays.If you are delayed for two hours or more, the airline must offer youmeals and refreshments, hotel accommodation and communicationfacilities. If you are delayed for more than five hours, the airline mustalso offer to refund your ticket.

Your baggage is damaged, lost or delayed.If your checked-in baggage is damaged or lost by an EU airline, you mustmake a claim to the airline within seven days. If your checked-inbaggage is delayed, you must make a claim to the airline within 21 daysof when you get your baggage back.

You are injured or die in an accident.If you are injured in an accident on a flight by an EU airline, you mayclaim damages from the airline. If you die as a result of these injuriesyour family may claim damages from the airline.

You do not receive the services you have booked.If your tour operator does not provide the services you have booked, forexample, any flights or a part of your package holiday, you may claimdamages from the tour operator.

You can download more details fromhttp://ec.europa.eu/transport/passengers/air/air_en.htm

Medical assistance 020 7748 0670 or abroad +44 20 7748 0670

To make a claim 020 7748 0669 or www.topdoginsurance.co.uk/claims

Medical screening 0845 618 0370www.healthscreen247.com

Complaints about non-insured events and your travelarrangements must be referred to your travel organiser

In a medical emergency

Important telephone numbers

18

15

B TD

PW

9/1

1

■ first check that the circumstancesare covered by this policy

■ having done this telephone Mapfre Assistancestating your name and policy number

Underwritten by Mapfre Assistance

109 Elmers End Road, Beckenham, Kent, BR3 4SY Tel: 0845 618 0370 Fax: 0845 223 4508

A division of Citybond Holdings plc