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Significant Conditions And Exclusions Policy Reference

It is a condition of this policy that you will not be covered for any claims arising directly orindirectly from:

a. At the time of taking out this policy:i) Any medical condition you have, or have had, that has given rise to symptoms or for

which any form of treatment or prescribed medication, medical consultation, investigationor follow-up/check-up has been required or received during the 2 years prior to thecommencement of cover under this policy.

ii) Any cancer, respiratory (other than asthma which meets the criteria shown on theAutomatically Accepted Minor Conditions list), cardiovascular or circulatory condition(e.g. heart condition, hypertension, blood clots, raised cholesterol, stroke, aneurysm) thathas occurred at any time prior to the commencement of cover under this policy.

Please note that some minor conditions are covered as standard if they fall within the AutomaticallyAccepted Minor Conditions list.

For details of full terms applying to pre-existing medical conditions, please read the policy wording -page 7 and 8.

Medical Declaration- page 7 and 8

This policy will not cover any claims under Section A (Cancellation, Curtailment or Trip Interruption)arising directly or indirectly from a pre-existing medical condition, that was known to you prior tothe commencement of the Period of Insurance, affecting a close relative, travelling companion who isnot insured under this policy or person with whom You intend to stay whilst on Your Trip if:

- a terminal diagnosis had been received prior to the commencement of the period of insurance; or

- if they were on a waiting-list for, or had knowledge of the need for, surgery, inpatient treatmentor investigation at any hospital or clinic at the commencement of the Period of Insurance;

or if during the 90 days immediately prior to the commencement of the Period of Insurance they had:

- required surgery, inpatient treatment or hospital consultations; or

- if they were aware of a medical condition or suffering from symptoms but had not had adiagnosis at the start of the Period of Insurance;

Cancellation or Curtailment- page 10

You must be under 51 at the date your insurance starts. General Exclusions (3)

You must be a permanent resident of the United Kingdom and registered with a UK MedicalPractitioner. You must be in the UK at the time of purchasing the policy and your trip must startand end in the UK.

How Your Policy Works- page 5

Cover for participation in Dangerous Activities is not provided under this policy. Certain activitiesare allowed but some may exclude cover under the Personal Liability section of the policy.

Please see page 9 of the Policy Booklet for full details.

Dangerous Activities - page 9

We will not pay for any claim arising or resulting from you being involved in any malicious,reckless, illegal or criminal act.

General Exclusions 5

If you have a medical emergency please contact Mapfre Assistance as soon as possible . 24 Hour medical emergencyand repatriation service- page 10

No cover will be in force if your loss is directly or indirectly as a result of terrorist activity. General Exclusions 6

POLICY SUMMARY

This policy summary does not contain the full terms and conditions of the cover.Full terms and conditions can be found in the policy document.

Insurer - for all Sections excluding Section G - End Supplier Failure

This insurance is underwritten by Mapfre Asistencia Compania Internacional de Seguros y ReasegurosSociedad Anonima. 5th Floor, Alpha House, 24a Lime Street, London EC3M 7HS Companynumber: FC021974. Branch Number BR008042. Trading under the name .Mapfre Asistencia are authorised and regulated by the Financial Services Authority

Insurer - Section G - End Supplier FailureA consortium of Association of British Insurers member Companies and Lloyds Syndicates.

Type of insurance cover providedThis is personal travel insurance.

Significant features and benefitsYour policy includes the following benefits which are explained in detail in thepolicy document

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Medical Expensesand Repatriation

£5,000,000 £150 To be able to claim, the medical treatment must berequired in an emergency and be unable to wait untilyou have returned to the United Kingdom.

Medical cover does not apply to treatment received inEngland, Wales, Scotland or the Isle of Man.

Table of Benefits - page 1

Section C - Medical Expensesand Repatriation - page 11

Cancelling or cutting shortyour holiday

£3,000 £150 To be able to claim, the reason why the trip is beingcancelled or cut short must be necessary and unavoidableand must fall into one of the reasons listed in the Policy.

For example, if a person insured under this policybecomes ill or is injured or dies. You must also notify yourcarrier or travel agent as soon as you know the trip isto be cancelled to minimise your loss as far as possible.

Table of Benefits - page 1

Section A - Cancellation,Curtailment and Trip Interruption- pages 10 and 11

Your Personal Belongingsand Baggage.

£1,500 £150 To be able to claim, a written report is required tosupport the loss/theft/damage. For example, from thelocal police or from the transport carrier.

This must be obtained within 24 hours of discovery.The amount payable will include an allowance for wearand tear and loss of value.

Personal property left in vehicles must be in a lockedboot or locked and covered luggage compartment.Valuables are not covered if they are left in anunattended vehicle.

Table of Benefits - page 1

Section D - Baggage and

Replacement Passport- page 11 and 12

Significant or unusual exclusions and limitationsThere are some situations which you are not covered for. These generally involveanything you already know about or that is caused by deliberate or careless actson your part. Full details of these are given in the policy document.

Duration of CoverFor single trip policies cover for cancellation starts from the date you book yourtrip or pay for the insurance , whichever is the later. Annual multi trip and all othersections run for the period shown on your certificate of insurance.

Cancellation rightsYou have the right to cancel your policy during the first 14 days after you havebought the policy. If you wish to cancel within this 14 day period, you will be entitledto a full refund of the premium paid, provided you have not already started your trip.Please note that if you wish to cancel your policy after you have made a claim, wemay seek to recover the monies paid to you in settlement of the claim.

To cancel your policy please contact Moneysupermarket.

Please quote your validation cer tificate number. Unless you exercise your right to cancelwithin this 14 day period you will not be entitled to any refund of premium. If you donot exercise your right to cancel your policy, it will remain in force for the term of thepolicy and you will be required to pay the premium as stated.

Claim NotificationAll Sections excluding Section G - In the event of a medical emergency, please phone

. You can make any other claim by calling orregistering online at .

Section G - You can make any claim under this section for End Supplier Failure by calling0208 766 3752, emailing info@ipplondon.co.uk or writ ing to International PassengerProtection Claims Off ice, IPP House, 22-26 Stat ion Road, West Wickham, Kent, BR4 0PR.

Your right to complainIf you wish to register a complaint, please contact us for all sections excluding Section G:In writing

For Section G:

We are covered by the Financial OmbudsmanService. If you have complained to us and wehave been unable to resolve your complaint, youmay be entitled to refer it to this independentbody at:

.

Financial Compensation SchemeMapfre Assistance is covered by the Financial ServicesCompensation Scheme (FSCS). You may be entitled tocompensation from the FSCS , if Mapfre Assistance isunable to meet its obligations. More information canbe obtained from the www.fscs.org.uk.

Certain sections of your policy carry an excess. This means that you will be responsible for paying the first part of the claim up to the excess value per insured person, eachand every incident, each and every section of cover.

End Supplier Failure £3,000 £150 To be able to claim, the financial failure of any travelor accommodation supplier must not be bondedelsewhere (even if the bond is insufficient to meetthe claim).

Table of Benefits - page 1

Section G - End SupplierFailure - page - 12