barclays visa infinite card€¢ the barclays visa infinite card is a charge card which means that...

Wealth and Investment Management

Barclays Visa Infinite CardClient Terms and Conditions

2

Contents Page

Section 1 3

Pre-Contract Credit Information (SECCI)

Section 2 6

Important Points about your Barclays Visa

Infinite Card

Section 3 7

Credit Agreement (Customer copy)

Section 4 14

AXA Travel Insurance summary

Section 5 19

AXA Travel Insurance - full benefit schedule

Section 6 48

Barclays Visa Infinite Concierge

Section 7 49

Airport Angel Airport Lounge Access

Section 8 54

Visa Infinite Private Travel Planner Service

3

Section 1 PRE-CONTRACT CREDIT INFORMATION (Standard European Consumer Credit Information (SECCI))

1 Contact details

CreditorAddressTelephone number(s)Web address

Barclays Bank PLC (acting through its Jersey branch)13 Library Place St Helier Jersey Channel Islands JE4 8NE+44 (0)1624 684 275wwwwbarclayscomwealth

2 Key features of the credit product

The type of credit Charge Card

The total amount of credit

This means the amount of credit to be provided under the proposed credit agreement or the credit limit

We will tell you your specific credit limit when you receive your card It will be based on our assessment of your circumstances

How and when credit would be provided Once you activate your card you can use it (or the card details) to make purchases and cash withdrawals

The duration of the credit agreement There is no fixed or minimum duration

Repayments

Your repayments will pay off what you owe in the following order

You must pay your total outstanding balance in full each month by the due date shown on your statement

If you do not pay the full outstanding balance by the payment due date we will allocate any part payment we receive first to the Standard Balance (purchases and all other amounts added to your account apart from cash withdrawals) and then to the Cash Balance (for cash withdrawals)

The total amount you will have to pay

This means the amount you have borrowed plus interest and other costs

If you have a sterling card which you use to make a purchase of pound1200 in a given month the total amount payable would be pound1500 which includes the annual fee of pound300

3 Costs of the credit

The rates of interest which apply to the credit agreement

No interest will be charged on your account

Annual Percentage Rate of Charge (APR)

This is the total cost expressed as an annual percentage of the total amount of credit

The APR is there to help you compare different offers

322 per cent (variable) based on the assumptions set out above in relation to the total amount you will have to repay

If you use your card for a cash withdrawal the cash withdrawal charge would apply so the APR would be higher

Related costs

You must have a separate account for recording both payment transactions and drawdowns

You must maintain a current account with Barclays in the currency of your card

4

Any other costs deriving from the credit agreement

bull An annual fee of pound300 euro400 USD 500 CHF 500 HKD 3500 or SGD 600 (depending on the currency of your main card)

bull 275 per cent foreign currency fee on the value of transactions made in a currency other than the primary currency you have designated for your card and

bull 25 per cent (minimum pound5 euro5 $5 CHF 10 HKD 50 SGD 10) cash fee for all items charged to the Cash Balance on your account

Conditions under which the above charges can be changed

We may change or add to our charges for any reason as long as you are able to end the agreement without charge (or we agree that we will not make a charge that would otherwise apply) We will give you at least 30 daysrsquo notice of any changes

Costs in the case of late payments If you do not pay your statement balance in full by the due date shown on your statement we will charge you for any losses we incur as a result of the late payment

Consequences of missing payments If you miss a payment we may use money in your other Barclays accounts to pay us and your credit records may be affected so that you find it harder or more expensive to borrow again

You may also face legal action to recover what you owe although such action is rarely taken If we take legal action you may have to pay legal costs

4 Other important legal aspects

Right of withdrawal You have the right to withdraw from this agreement Your right to withdraw starts on the day after you receive your card and ends after a further period of 14 days

Early repayment You have the right to repay the credit early at any time in full or partially

Consultation with a Credit Reference Agency

If we reject your application on the basis of a consultation of a credit reference agency we will tell you so (and give you the details of the agency consulted) at the same time as telling you our decision

Right to a draft credit agreement You have the right to request a copy of the draft credit agreement free of charge unless we no longer wish to proceed with your application at the time of your request

The period of time during which the creditor is bound by the pre-contractual information

This information is valid for 30 days from the date that you receive this notice

5 Additional information in the case of distance marketing of financial services

(a) concerning the creditor

Registration number We are licensed by the Office of Fair Trading in the United Kingdom (licence number 005116)

The supervisory authority The Office of Fair Trading in the United Kingdom supervises our obligations under this agreement The Jersey Financial Services Commission supervises the activities of the Jersey branch

5

(b) concerning the credit agreement

Right to cancel the credit agreement You have the right to withdraw from this agreement Your right to withdraw starts on the day you receive your card and ends after a further period of 14 days To exercise your right of withdrawal you should write to us at Wealth Card Team Account Management 3rd Floor Aurora Building 120 Bothwell Street Glasgow G2 7JS United Kingdom Once you have contacted us to withdraw you must pay back anything you have spent on your card within 30 days

The law taken by the creditor as a basis for the establishment of relations with you before the conclusion of the credit agreement

English law unless your address is in Scotland or Northern Ireland when you enter into the agreement in which case it will be respectively Scots law or Northern Irish law

The law applicable to the credit agreement andor the competent court

The agreement is governed by English law and subject to the non-exclusive jurisdiction of the courts of England and Wales (unless your address is in Scotland or Northern Ireland when you enter into the agreement in which case it will be respectively the law and courts of Scotland or the law and courts of Northern Ireland)

Language to be used in connection with the credit agreement

We will only communicate with you in English

(c ) concerning redress

Access to out-of-court complaint and redress mechanism

If you have a complaint please contact your relationship manager Alternatively you can contact our Managing Directors Office at 43 Brook Street London W1K 4HJ or on +44 (0)20 7487 2000 If it is still not resolved you may be able to refer it to the Financial Ombudsman Service by writing to them at South Quay Plaza 183 Marsh Wall London E14 9SR calling 0845 080 1800 or emailing complaintinfofinancial-ombudsmanorguk

6

Section 2

Important Points about your Barclays Visa Infinite Card We have set out below some important information about the Barclays Visa Infinite Card Please read it carefully to ensure you understand how the card works and whether it is suitable for you You should also consider the Pre-contract Credit Information which is yours to keep If you have any questions please contact your relationship manager or contact us on +44 (0)20 7108 6217

bull The Barclays Visa Infinite Card is a charge card which means that you must pay the outstanding balance in full as shown on your monthly statement It is not suitable for long term borrowing You must have a current account with us in the same currency as your card and we will deduct the amount you owe us from that account

bull You can use the Barclays Visa Infinite Card up to the credit limit we set We can vary this limit from time to time and you can ask us not to increase your limit at any time

bull No interest is charged but you will be charged an annual fee of pound300 euro400 $500 CHF 500 HKD 3500 or SGD 600 (depending on the currency of your main card) which will be debited to your main card account on the date that your account is opened and on each anniversary of that date In addition you will also need to pay fees for the following transactions

ndash If you use your Barclays Visa Infinite Card to withdraw cash you will have to pay a cash fee of 25 per cent (minimum pound5 euro5 $5 CHF 10 HKD 50 SGD 10)

ndash There is a 275 per cent foreign currency fee for transactions made in a currency other than currency you have designated for your card

bull It is important to make your payments on time Missing a payment means ndash if you have any other Barclays accounts we may use money from those to pay us ndash your credit records may be affected which could make it harder or more expensive to borrow again and ndash in exceptional circumstances we might have to take legal action against you

bull You can change your mind After you have signed your agreement you have up to 14 days (starting the day after you receive your card) to cancel it You will still have to repay anything you have already spent on your card within 30 days

bull The following benefits and services are provided with the Barclays Visa Infinite Card ndash Travel Insurance ndash Concierge ndash Travel Planning and ndash Airport lounge access

Please check carefully that the benefits and services meet your needs Consider whether you may already have similar benefits as part of other packages or on a standalone basis

See Condition 3 of the Barclays Visa Infinite Card Terms and Conditions and the included Terms and Conditions for more information

7

Section 3Terms and Conditions Customer Copy

Credit Agreement regulated by the Consumer Credit Act 1974

These are the Terms and Conditions of an agreement between us Barclays Bank PLC (acting through its Jersey branch) at 13 Library Place St Helier Jersey JE4 8NE and you the person named as the Principal Cardholder in the Application Form at the address shown in the Application Form

Type of credit Charge Card

Credit limit We will tell you your credit limit after we have approved your application We may change your limit depending on our assessment of your account and will tell you about these changes by writing to you

Monthly repayments You must pay your statement balance in full each month by the due date shown on your statement This will normally be seven days after your statement date We will collect your payment by direct debit (see Condition 4) We will allocate any payments we receive that are insufficient to settle the entire balance first to the Cash Balance and then to the Standard Balance as described in Condition 1

Interest rate (fixed) No interest will be charged on your account

Annual Fee A fee of pound300 euro400 $500 CHF 500 HKD 3500 or SGD 600 (depending on the currency of your main card) will be deducted from your current account on the day your account is opened and each year on the anniversary of that date

Foreign usage charges A 275 per cent currency exchange fee is charged on the value of transactions made in a currency other than the primary currency you have designated for your card See Condition 27 for more details

Cash withdrawal charges For cash withdrawals we charge a cash fee of 25 per cent (minimum pound5 euro5 $5 CHF 10 HKD 50 SGD 10)

Other charges We will charge for any losses we incur as a result of any breach by you of this agreement

Total amount payable and APR If you have a sterling card which you use to make a purchase of pound1200 the total amount payable would be pound1500 including the annual fee of pound300 and the APR would be 322 per cent APR (variable) This assumes that the purchase is made in your nominated currency If you use your card for a cash withdrawal the cash withdrawal charge would apply so the total amount payable and APR would be higher

Provision of Travel Insurance The card comes with a number of benefits and services including a travel insurance policy provided by AXA (see Condition 3 and the included Terms and Conditions for more information)

Missing payments If you miss your monthly payments you will have to pay any losses we incur (see above) we may use money in your other Barclays accounts to pay us and your credit records may be affected so that you find it harder to borrow again from us or another lender Legal action may also be taken to recover the money you owe although we rarely need to take such action

Your right of withdrawal You have a right to withdraw from this agreement without giving a reason by calling or writing to us Your right to withdraw starts on the day after you receive your card and ends after a further period of 14 days Once you have contacted us to withdraw you must pay back anything you have spent on your card within 30 days No interest will be payable See Condition 12 for our contact details and details of how to pay us

8

1 Balances and payments

11 Amounts added to your account will be allocated to one of the following balances

(a) Cash Balance for cash withdrawals

(b) Standard Balance for purchases and all other amounts added to your account

2 How can you use the Account and card

21 Once you receive your card you can use it (or the card details) to make purchases and cash withdrawals on the terms of this agreement

22 If you or any cardholder want to make a payment using the card or card details it will need to be authorised so that we can check that it is genuine Transactions can be authorised by the use of the following items ndash a physical device such as your card or ndash a set of procedures involving for example the use of a password personal identifier(s) codes Personal

Identification Number(s) (PINs) or biometric data or ndash a physical device and a set of procedures (like your card used with your PIN or security code)

These are personal to you and each cardholder

23 You can ask us to issue an additional card and PIN to any person you nominate as long as they are eligible for a card

24 You are responsible for all use of your account by each cardholder even if they do something which makes you break this agreement You must ensure that each cardholder uses the card according to the terms of this agreement

25 If you want to cancel any additional card you are responsible for returning the card to us

26 Your card will not be active when first received Please ring the number provided with the card to activate or call your relationship manager who will activate on your behalf You will be liable for all amounts owed to us under this agreement

27 If you or any cardholder use the card for a transaction in a currency other than the cardrsquos designated primary currency the transaction will be converted to the cardrsquos designated primary currency on the day that the retailer processes the transaction Please note that this may be some days after the date of your transaction The currency conversion will be made at the VISA currency rate at the time the retailer processes the transaction A 275 per cent foreign currency fee will be added to your account and this will be calculated on the amount of the transaction after the conversion The reference currency rates are available on the VISA website (wwwvisaeuropecomencardholdersexchange_ratesaspx) from your Private Banker or by calling the Barclays Service Team on (+44) 020 7108 6217 For cash withdrawals a cash fee of 25 per cent (minimum pound5 euro5 $5 CHF 10 HKD 50 SGD10) will be charged

28 You will only be able to withdraw cash using the card up to a maximum of five (5) times on any given day In addition to this we will tell you if there are any other spending limits on how you use your card for example any restriction on the amount of cash you are able to withdraw during a day or the number of other transactions you can make

29 The card may not be used for any illegal purpose

210 Cards belong to us We may stop or suspend the use of the card and the account and ask you to return the card (or ask others to hold onto the card for us) if we reasonably consider it necessary for reasons relating to the security of the card or account we reasonably suspect the use of the card (or account number) is unauthorised or fraudulent or we reasonably believe there is a significantly increased risk that you will not be able to repay us any amount you owe us under this agreement If we intend to stop or suspend the use of the card or the account unless the law prevents us from doing so or we believe that it would undermine our security measures we will try to contact you by telephone or in writing in advance If we cannot tell you in advance we will tell you as soon as possible afterwards This agreement will continue even if we do any of these things and we will not be responsible or incur liability for any loss or damage you may suffer as a result

211 We may send you another card including one with a different payment scheme logo in the future as a replacement for your existing card provided that the terms that apply to that card will be the same or better than your existing card We will tell you about any changes to the terms under Condition 9

9

3 Additional benefits provided with the card

31 Your card comes with the following benefits and services which we have arranged to be provided to you by third parties

bull airport lounge access provided by Airport Angelbull travel insurance provided by AXAbull travel planning services provided by WhiteConcierge (Visa Infinite Private Travel Planner) andbull concierge services provided by WhiteConcierge

32 Your annual fee is for the provision of the card and these additional benefits and services No part of the fee is attributable to any particular benefit or service If you choose not to use a benefit or service or are not eligible for a benefit or service you will not be entitled to a refund of or reduction in your annual fee

33 Each of the additional benefits and services provided by a third party is governed by separate Terms and Conditions between you and the relevant third party provider Either a summary of the product or service or the relevant Terms and Conditions that form the contract between you and the relevant third party provider for the provision of the product or service are set out in Sections 6 7 8 and 9 of this document Any liability complaints andor disputes arising in respect of the additional benefits and services should be handled and resolved between you and the relevant third party provider You should however notify us of any complaints and or disputes that you have with third party providers as soon as reasonably practicable

34 We may from time to time change andor replace andor remove any of the additional products or services or replace the third party providers who provide the services provided that the overall package of products or services consists of products of equivalent or greater value We will give you at least 30 daysrsquo notice of any such changes

35 You give us and them your consent to liaise with provide personal data to and receive personal data from the third party providers including any replacement third party providers in order to provide you with the benefits and services

36 It is important that you ensure that all statements you make on the claim forms and any other documents you are required to complete are full and accurate If you fail to disclose any information to the relevant third party provider this could invalidate the insurance product and mean that part or all of your claim may not be paid

4 When will we collect payments from you

41 You must maintain a current account with Barclays in the currency of your card from which we will take payments (your ldquoCurrent Accountrdquo) We will deduct the statement balance from that account not less than 7 and no more than 20 days after the postal date of your monthly statement You must ensure that your account has sufficient funds to meet your payment obligations under this agreement

42 We will also debit your card with an Annual Fee of pound300 euro400 $500 CHF 500 HKD 3500 and SGD 600 (depending on the designated currency of your card) when we issue your card This amount will be deducted from your Current Account together with any outstanding balance for the first monthrsquos statement We will debit the Annual Fee to your card in each subsequent year on (or near) the anniversary of that date each year and deduct it from your Current Account with the outstanding balance due in that month

43 We may debit any amounts you owe us under this agreement from your Current Account or any other account you maintain with us or another branch or company in the Barclays Group in any currency

44 In addition to your obligation to repay us each month you have a right to repay us in full or in part at any time See Condition 12 for our contact details and details of how to pay us

5 How can you keep track of your spending

51 We will send you a monthly statement by post showing your payments and all the amounts we have put on your account since your last statement You must tell us within 90 days of receiving your statement if it includes something you think is wrong

52 If for some reason we cannot produce or send a statement we will use your normal monthly statement date to work out when your next payment date will be

10

6 What must you do to protect your card and details

61 You and each cardholder must

(a) keep the card (including the card details) safe and not allow anyone else to use them and

(b) learn your PIN and other security information and keep them secret at all times never write the PIN on the card or on anything usually kept with it or write down or record the PIN or other security information without first disguising it and destroy the letter with your PIN straightaway

62 You and each cardholder must use the card in accordance with these conditions and must only reveal the card number to make a transaction to report the loss or theft of the card or if we allow you to do so

7 What happens if your card card details and PIN are lost or stolen

71 You must tell us as soon as possible using the contact details in Condition 121 if your card is lost or stolen if you think that it may be misused or that someone else may know the PIN If you later find it you must cut it in half and return it to us

72 You must give us all the information you have about the loss theft or misuse We may give the police any information that we think will be useful

73 You will not be responsible for any transactions if the card is lost or stolen or misused before you receive it but you must tell us as soon as you become aware You will not be liable for any transactions where you or a cardholder has not given permission for someone else to use the card unless we can prove that you were fraudulent You will not be liable for any transactions made after you tell us that your card has been lost or stolen or you think that it may have been misused or someone else knows your PIN

74 You will not be responsible for unauthorised postal telephone or internet transactions made by someone other than you or an additional cardholder

8 What about refunds and claims against us

81 Once you have authorised a payment from your account we cannot change or cancel it You can withdraw your authorisation for transactions for a future date (including recurring transactions) by contacting the retailer or us before 530 pm on the weekday (excluding bank holidays) before the payment is taken Recurring transactions are initiated by the retailer so we recommend that you contact the retailer as we may not be able to stop these transactions We will refund any transactions that have been processed after you have withdrawn your authorisation together with any charges or interest

82 Where you make a purchase we will refund you if

(a) you did not agree a specific amount with the retailer when you made the purchase

(b) the amount of the transaction charged to your account by the retailer is more than you could reasonably have expected in the circumstances of the purchase and

(c) you ask us for a refund within eight weeks of us debiting the transaction to your account

If you ask us for a refund under this condition you must provide us with information to help us to check you are entitled to a refund under this condition

83 You cannot use a claim you may have against someone else to make a claim against us or refuse to pay us unless you have a legal right to do so You cannot transfer any rights against us to anyone else

9 Could the terms of this agreement change

91 We may change your credit limit from time to time depending on our assessment of your account and will tell you about these changes by writing to you We will give you 7 daysrsquo notice when we change the credit limit except where it is not practicable to do so (in which case we will notify you immediately afterwards) We will not reduce your credit limit below an amount equal to your balance plus any transactions that have been authorised but not yet charged to your account at the time we decide to make the change

92 Depending on your credit limit and our assessment of your account we may require you to maintain a certain balance in your nominated current account until all amounts you owe us under this agreement have been paid We may require this minimum balance to exceed your credit limit

11

93 We may also change any of the terms of this agreement for any of the following reasons

(a) where we reasonably consider that

(i) the change would make the terms easier to understand or fairer to you

(ii) the change would not be to your disadvantage

(b) to make reasonable changes to the way we look after your accounts as a result of changes in

(i) the banking or financial system

(ii) technology

(iii) the systems we use to run our banking business or

(iv) as a result of a regulatory requirement (or where we reasonably expect that there will be a change in a regulatory requirement)

94 As long as you are able to end the agreement without charge (or we agree that we will not make a charge that would otherwise apply) we may change any of the terms of this agreement (including our charges) for any reason not listed above If you choose to end this agreement because of a change under this Condition 94 which is to your disadvantage and tell us so no later than 30 days after of the change taking effect we will refund any annual fee you have paid in proportion to the period it covers after termination

95 The exchange rate used to convert foreign currency payments into or out of your account will be the reference exchange rate that we have told you will apply in Condition 27 We may apply changes to the reference exchange rate immediately and without notice

96 We may introduce a charge for any service provided under or in connection with this agreement

97 We will tell you about any changes by putting messages in your monthly statement or sending you a separate written notice Changes will happen at least 30 days after we tell you about them except where they would not be to your disadvantage

10 How can this agreement be ended

101 This agreement has no fixed duration it will continue until you or we choose to close your account Either of us can end the agreement by giving written notice to the other Unless there are exceptional circumstances we will give you two monthsrsquo notice before we end this agreement You must return all cards to us and cancel any instructions you have given to others to charge transactions to your account You must make all payments due and this agreement will continue until all amounts you owe have been paid including amounts added to your account after the notice to end the agreement

102 We may require you or your estate to repay immediately all amounts you owe us under this agreement if you break this agreement regularly or seriously die or become bankrupt or are likely to become bankrupt or if any step application or proceeding is taken by you for a voluntary arrangement or composition or reconstruction of your debts including any step application or proceeding in any jurisdiction outside England and Wales which has a substantially similar effect to any of the foregoing but we will follow any legal requirements before we do so

103 On termination of this card agreement your eligibility for the benefits and services referred to in Condition 3 will also automatically terminate

11 General

111 We will not be liable to you for failures

(a) caused by any machine failing to work and industrial disputes or other events if the failures are due to abnormal or unforeseeable circumstances we cannot reasonably control the consequences of which would have been unavoidable even if we had taken any action to prevent them or

(b) resulting from us complying with a requirement under UK or European Community law or the laws of any other applicable jurisdiction

112 You must tell us as soon as possible if you change your address or you change your name You must provide us with such evidence as we reasonably consider necessary prior to agreeing to amend our records andor the card to reflect that change of name

12

113 We may transfer to any other person any or all of our rights and duties under this agreement at any time (including without limitation our duty to lend to you) We may do this without telling you Your rights under this agreement and your legal rights (including those under the Consumer Credit Act 1974) will not be affected

114 There may be other taxes or costs which are not paid through us or charged by us that you have to pay in connection with this agreement You must obtain independent tax advice to ensure that the way you use the card and how this agreement operates does not have any negative tax impact for you Any stamp duties and government levies payable by us in respect of the card or your account shall be charged to your account and will be collected by us by debit of the account Should you close your account before the date of collection of any such stamp duty or levy in respect of which the liability has arisen the amount will be debited at closure and be payable by you

115 The terms of this agreement and our dealings with you with a view to entering into this agreement are governed by the law of England and Wales and are subject to the non-exclusive jurisdiction of the courts of England and Wales (unless your address is in Scotland or Northern Ireland when you enter this Agreement in which case it will be respectively the law and courts of Scotland or the law and courts of Northern Ireland) We will only communicate with you in English

116 For the avoidance of doubt this Agreement does not incorporate any other terms (including the Barclays Terms (Wealth and Investment Management))

12 How can you contact us

121 You can write to us at Wealth Card Team Account Management 3rd Floor Aurora Building 120 Bothwell Street Glasgow G2 7JS United Kingdom If your card card details or PIN are lost or stolen you must report all losses thefts or misuse to relationship manager or call us on +44 (0)20 7108 6217 If you have any questions relating to your account including any difficulty with your payments or wish to withdraw from the agreement please call your relationship manager If we ask you must write to us within seven days to confirm your call

13 Complaints

131 If you have a complaint your relationship manager will usually be best placed to receive your complaint and work with you to resolve it Alternatively you can write to Managing Directorrsquos Office 43 Brook Street London W1K 4HJ Tel +44 (0)20 7487 2000 (Calls may be recorded for training quality and customer care purposes)

132 If we are unable to resolve your complaint internally to your satisfaction you may be able to refer it to the Financial Ombudsman Service in writing at South Quay Plaza 183 Marsh Wall London E1 4 9SR by calling 0845 080 1800 or emailing complaintinfofinancial-ombudsmanorguk

133 The Office of Fair Trading Fleetbank House 2-6 Salisbury Square London EC4Y 8JX is the regulating authority of consumer credit agreements in the United Kingdom

About us

Barclays Wealth and Investment Management is a division of Barclays Bank PLC which is part of the Barclays Group and is regulated by the Financial Services Authority in the United Kingdom We are licensed to provide credit to consumers by the Office of Fair Trading in the United Kingdom (licence no 0005116) For more information please see our website wwwbarclayscomwealth

Responsible lending

As a responsible lender we only want you to borrow what you can afford and in a way that is best for you When considering your application your financial circumstances will be assessed before we make a decision to lend money

And remember if you should run into any financial difficulties then please contact us as soon as you become aware of them

Your responsibilities

Before you apply always consider carefully what you can afford to repay Remember that your ability to repay may be affected by other financial commitments employment prospects and changes to your income It is important that at the time of application you make us fully aware of any personal circumstances that may impact on your ability to repay any lending you are applying for

Your personal information

This is a summary of how we use your personal information Full details are available on our website barclayscomwealthterms or in hardcopy from our head office (Client Services Barclays 1 Churchill PlaceLondon E14 5HP)

13

1 In order to provide you with products and services we need to collect use share and store personal and financial information about you which includes personal data we obtain from you or from third parties including credit reference and fraud prevention agencies

2 We and other companies in the Barclays Group will use your information including any sensitive personal data we hold about you for the purposes set out in any privacy notice applying at the time your information is collected We may disclose your personal data to Barclays Group companies and third parties located anywhere in the world for the reasons and in accordance with the procedures set out on our website

3 Where you provide information about others (such as additional cardholders) you confirm that you have their consent or are otherwise entitled to provide this information to us and for it to be used by us

4 We give your information to and receive information from credit reference agencies and fraud prevention agencies We and other organisations may access and use this information to prevent and detect fraud money laundering and other crimes and to make credit assessments

5 Credit reference agencies keep a record of our enquiries and may record use and give out information we give them to other lenders insurers and other organisations If false or inaccurate information is provided or fraud is suspected details may be passed to fraud prevention and credit reference agencies Law enforcement agencies may access and use this information The information recorded by fraud prevention agencies may be accessed and used by organisations in a number of countries including the jurisdiction in which we provide services to you the UK and in other countries Please contact us if you want to receive details of the relevant fraud prevention agencies

6 Credit reference agencies may link your information with other people with whom a financial ldquoassociationrdquo has been created This will happen if you make a joint application tell us that you have a financial association or if the credit reference agency has existing links between you This ldquoassociationrdquo will be taken into account in all future applications by either or both of you and will continue until one of you applies to the credit reference agencies and is successful in filing a ldquodisassociationrdquo

You can ask for a copy of your information we hold about you by writing to us A fee may be charged for this service as permitted by appropriate law or regulation

14

Section 4 AXA Travel Insurance Summary

This document only contains a summary of the main features of your benefits and a summary of the main exclusions and limitations It does not contain the full details and conditions of the benefits ndash these are located in the Benefit Schedule You should review this cover periodically to ensure that it meets your needs

Insurer

Benefits under this Policy are underwritten by Inter Partner Assistance SA Avenue Louise 166 bte 1 1050 Brussels RCBHRB 394025 a Belgian insurance company authorised by the Financial Services and Markets Authority under registration number 0487 through its branch in Ireland at 1011 Mary Street Dublin 1 Ireland Irish Companies Registration Office Nr 906006

Inter Partner Assistance is subject to limited regulation by the Financial Services Authority (FSA) in the United Kingdom Details about the extent of the authorisation and regulation by the FSA are available from Inter Partner Assistance on request

Claims will be handled by AXA Travel Insurance 1011 Mary Street Dublin 1 Ireland Irish Companies Registration Office Nr 426087 an insurance intermediary authorised by the Central Bank of Ireland under Nr C47421 on behalf of (1) Inter Partner Assistance SA Inter Partner Assistance SA and AXA Travel Insurance are members of the AXA Assistance Group

Type of benefits and cover

Travel cover for trips of up to 30 consecutive days made by you worldwide Trips must begin and end in a country of residence Any trip solely within the country of residence is only covered where you have pre ndash booked at least two nightsrsquo accommodation in a hotel motel holiday camp bed and breakfast holiday cottage or similar accommodation rented for a fee Cover for Benefits in Section H ndash Emergency Medical and Other Expenses Abroad Section I ndash Hospital Benefit Section L ndash Personal Liability Section N ndash Overseas Legal Expenses and Section U ndash ATM Theft are excluded in the country of residence

The holder of a Barclays Visa Infinite Card is covered while travelling on a trip Cover will also extend to hisher the spouse or legal partner of the Card Holder their children step children or foster children aged under 19 or age 19 to 21 if in full time education

Beneficiaries are covered for benefits when travelling independently of one another

Conditions

Pre- existing medical conditions are not covered under this policy

The maximum age limit for medical benefits in Section H ndash Emergency Medical and Other Expenses Abroad and Section I ndash Hospital Benefit and benefits related to a medical condition in Section C ndash Cancellation or Curtailment Charges is 79 years inclusive If you reach the age of 80 during the period of cover cover under those sections will continue until the end of that period of cover but not thereafter

Special conditions apply to each section of your policy ndash please refer to the Benefit Schedule for full details

You do not have to pay for your trip with your Barclays Visa Infinite Card but you must charge the eligible item in Section V ndash Purchase Protection and the green fees in Section S3 ndash Hole in One Benefit in full to your Barclays Visa Infinite Card in order to claim the benefits

15

Significant Features and Benefits

The table shows the maximum benefits you can claim for each insured person under each section (unless otherwise stated)

BENEFIT TABLE Limits

Section A ndash Travel Advice

Travel Advice Included

Section B ndash Travel Assistance

Medical Assistance Included

Legal Assistance Included

Cash Advance Included

Lost or Stolen Document Assistance Included

Interpreter Included

Message Relay Included

Lost Luggage Assistance Included

Section C ndash Cancellation or Curtailment Charges

Cancellation or Curtailment or Abandonment

euro 10000

Section D ndash Missed Departure Missed Connection

Missed Departure Missed Connection euro 2500

Section E ndash Delayed DepartureAbandonment

Delayed Departure maximum euro500

- per 4 hour period euro 75

Section F ndash Baggage Delay and Extended Baggage Delay

Baggage Delay after 6 hours euro 375

Extended Baggage Delay after 48 hours euro 375

Section G ndash Involuntary Denial of Boarding

Involuntary Denial of Boarding euro 100

Extended Denial of Boarding euro 500

Section H ndash Emergency Medical and Other Expenses

Medical Expenses and Repatriation Expenses

euro 10000000

Emergency Dental Pain Relief euro 1000

Transportation to Hospital if not free Included

Close Relative to travel out if hospitalisedeuro 200 per day max 10 days + Economy Flight

Extended Stay of BeneficiaryCompanioneuro 200 per day max 10 days

Return Home of Childreneuro 200 per day max 3 days + Economy Flight

Convalescence maximum euro 1000

ndash per day euro 100

Funeral Expenses euro 2500

Section I ndash Hospital Benefit

Hospital Benefit maximum euro 500


Section J ndash Home Emergency Service

Home Emergency Service euro 500

Section K ndash Baggage and Passport

Baggage maximum euro 5000

ndash Single Article Limit euro 500

ndash Valuables Limit in Total euro 750

ndash Personal Money euro 500

ndash Cash Limit euro 250

ndash Cash Limit under 16rsquos euro 100

Lost or Stolen Passport euro 1000

Cruise Baggage maximum euro 10000



Section L ndash Travel Accident

Travel Accident maximum euro 1000000

ndash Loss of Limbs or Sight (Aged lt 66) euro 1000000

ndash Permanent Total Disablement (lt 66) euro 1000000

ndash Death Benefit (Aged 18 to 65) euro 300000

ndash Death Benefit (Under 18 or 65 yrs+) euro 160000

ndash All Benefits (66 yrs+) euro 160000

Section M ndash Personal Liability

Personal Liability euro 5000000

Section N ndash Overseas Legal Expenses and Assistance

Overseas Legal Expenses euro 50000

Section O ndash Catastrophe Benefit

Catastrophe euro 2500

Section P ndash Hijack Benefit

Hijack maximum (per day)euro 5000 (euro 1000)

Section Q ndash Business Benefit

Business Equipment (maximum) euro 10000

ndash Single Item Limit euro 1000

ndash Computer Equipment Single Item Limit euro 2000

ndash Samples Limit euro 1000

Business Colleague Replacement Economy Flight

Section R1 ndash Ski Equipment and Ski Equipment Hire

Ski Equipment maximum euro 2500

16

ndash Owned euro 2500

ndash Hired euro 750


Ski Hire maximum euro 500


Section R2 ndash Ski Pack

Ski Pack maximum euro 500


Section R3 ndash Piste Closure

Piste Closure maximum euro 500


Section R4 ndash Avalanche Closure

Avalanche Closure maximum euro 500


Section S1 ndash Golf Benefit

Golf Equipment euro 5000


Golf Liability euro 1500000

Section S2 ndash Green Fees

Green Fees euro 250

Section S3 ndash Hole in One Benefit

Hole in One Benefit euro 250

Section T ndash Wedding Cover

Wedding Cover maximum euro 10000



ndash Wedding Video Photos euro 1000

Section U ndash ATM Theft Assault

ATM Theft Assault maximum per year euro 600

ndash Per Event euro 300

Section V ndash Purchase Protection

ndash Limit per 365 day period euro 7500

ndash Limit per Incident euro 1500


ndash per Item Excess euro 75

Significant or unusual exclusions or limitations

bull There is a policy excess under Section V ndash Purchase Protectionbull There is no cover for trips over 30 daysbull The maximum age limit for medical benefits in Section H ndash Emergency Medical and Other Expenses Abroad and

Section I ndash Hospital Benefit and benefits related to a medical condition in Section C ndash Cancellation or Curtailment Charges is 79 years inclusive If you reach the age of 80 during the period of cover cover under those sections will continue until the end of that period of cover but not thereafter

bull Cover will cease when your Barclays Visa Infinite Card account is terminated or when these benefits are cancelled or expire

General Exclusions

bull War risks civil commotion terrorism (except under sections H I and L unless caused by nuclear chemical or biological attack) sonic bangs radioactive contamination

bull There are a number of sports and activities that are excluded ndash please see 4 and 5 under General Exclusions and Sports and Activities in the Benefit Schedule

bull Willful self-inflicted injury solvent drug or alcohol abusebull Unlawful actions and any subsequent legal proceedings brought against youbull Travel to a country or specific area or event which the Foreign and Commonwealth Office or the World Health

Organisation has advised the public not to travel to

Exclusions under Section C ndash Cancellation andor Curtailment Charges

bull Redundancy caused by misconduct resignation voluntary redundancy or where notification of redundancy was given prior to the inception of this policy

bull Any circumstances known prior to booking the trip that could reasonably be expected to give rise to a claim

Exclusions under Section D ndash Delayed Departure

bull Strike industrial action or air traffic control delay publicly declared

Exclusions under Section E ndash Missed Departure

bull Strike or industrial action publicly declared

17

Exclusions under Section G ndash Involuntary Denial of Boarding

bull Costs or charges for which the airline will compensate you or where the denial of boarding was voluntary or not mandatory

Exclusions under Section H ndash Emergency Medical and Other Expenses

bull Treatment or surgery which in the opinion of the medical practitioner in attendance can wait until your return to the United Kingdom

bull Medication which prior to departure is known to be requiredbull Expenses incurred as a result of a tropical disease where the required inoculations have not been undertaken

Exclusions under Section I ndash Hospital Benefit

bull Expenses incurred as a result of a tropical disease where the required inoculations have not been undertaken

Exclusions under Section J ndash Baggage Personal Money and Passport

bull Valuables left unattended at any time unless in a hotel safe safety deposit box or in your locked accommodationbull Baggage contained in an unattended motor vehicle between 9 pm and 8 am or between 8 am and 9 pm unless

it is in a locked boot or covered from view in a locked car and evidence of entry into the vehicle by forcible and violent means is available

bull Contact or corneal lenses hearing aids dental or medical fittings ski equipment and other items are excluded ndash please refer to the Benefit Schedule for the full list

bull Business goods samples or tools used in connection with your occupationbull Personal money or your passport or visa left unattended at any time unless in a hotel safe safety deposit box or in

your locked accommodationbull Loss or theft of travellersrsquo cheques where you have not complied with the issuing agentrsquos conditions

Exclusions under Section M ndash Personal Liability

bull Pursuit of any trade business or profession or the ownership possession or use of any vehicles aircraft or mechanically operated watercraft

Exclusions under Section Q ndash Business Travel

bull Business equipment left unattended at any time unless deposited in a hotel safe locked accommodation or in the locked boot or covered luggage area of a motor vehicle

bull Loss theft or damage of films tapes cassettes cartridges or discs other than the market valuebull Any loss or damage arising from manual work

Exclusions under Sections R ndash Winter Sports

bull Ski equipment contained in or stolen from an unattended motor vehicle between 9 pm and 9 am or between 9 am and 9 pm unless it is in a locked boot or covered from view in a locked car and evidence of entry into the vehicle by forcible and violent means is available

Exclusions under Section S ndash Golf Cover

bull Golf equipment contained in or stolen from an unattended motor vehicle between 9 pm and 8 am or between 8 am and 9 pm unless it is in a secured area and evidence of entry into the vehicle by forcible and violent means is available ndash Please see the section Special Exclusions Applicable to Personal Belongings for a description of secure areas

Please note that single article limits apply A deduction for wear and tear and depreciation will be made

Exclusions under Section T ndash Wedding Cover

bull Valuables left unattended unless deposited in a hotel safe or safety deposit boxbull Baggage contained in an unattended motor vehicle between 9 pm and 8 am or between 8 am and 9 pm unless

it is in the locked boot or covered from view in a locked carbull Musical Instruments and other items are excluded ndash see your Benefit Schedule for the full list

Exclusions under Section U ndash ATM TheftAssault

bull Cash withdrawn before 1 hour of the robbery andor not withdrawn using the Barclays Visa Infinite Card

18

Exclusions under Section V ndash Purchase Protection

bull Items that are not purchased with the Barclays Visa Infinite Cardbull Loss connected to mysterious disappearance of items

Cancellation

This Benefit Schedule will remain in force while you have your Barclays Visa Infinite Card and will automatically be cancelled when your Barclays Visa Infinite Card account is terminated or when these benefits are cancelled or expire Barclays Bank PLC will give you notice if it is cancelled or expires without renewal on equivalent terms You may cancel these Benefits by cancelling your Barclays Visa Infinite Card in accordance with the Terms and Conditions of your Barclays Visa Infinite Card

Claim notification

Please read the appropriate section in the Benefit Schedule to see exactly what is and is not covered noting particularly any conditions limitations and exclusions

In the event of an emergency you should first call AXA Assistance on telephone +44 (0) 203 285 7996 (any minor illness or injury costs must be paid for by you and reclaimed)

For all other claims telephone our Claims Helpline on +44 (0) 203 285 7996 (Monday ndash Friday 900 ndash 1700) to obtain a claim form You will need to give

ndash your name ndash your covered card number ndash brief details of your claim

We ask that you notify us within 28 days of you becoming aware of an incident or loss leading to a claim and you return your completed claim form and any additional information to us as soon as possible You should always keep copies of all the documents that you send to us

Complaints Procedure

We make every effort to provide you with the highest standards of service If on any occasion our service falls below the standard you would expect us to meet the procedure below explains what you should do

You can write to the Quality Manager who will arrange an investigation on behalf of the General Manager at AXA Travel Insurance Head of Customer Care The Quadrangle 106-118 Station Road Redhill Surrey RH1 1PR United Kingdom

Or you may use e-mail

customersupportaxa-travel-insurancecom

or telephone +44 (0)203 285 7996

If it is impossible to reach an agreement you may have the right to make an appeal to the Financial Ombudsman Service by writing to

Financial Ombudsman Service South Quay Plaza 183 Marsh Wall Docklands London E14 9SR United Kingdom

Or you can phone 0845 080 1800

These procedures do not affect your right to take legal action

Financial Services Compensation Scheme (FSCS)

In the unlikely event that Inter Partner Assistance is unable to meet its obligations you may be entitled to compensation under the Financial Services Compensation Scheme (FSCS) Further information about compensation scheme arrangements is available from the FSCS Their contact details are Financial Services Compensation Scheme 7th Floor Lloyds Chambers Portsoken Street London E1 8BN United Kingdom Telephone 020 7892 7300 Fax 020 7892 7301 Website wwwfscsorguk

19

Section 5AXA Travel Insurance - full benefit schedule

BENEFIT TABLE










Lost Baggage Assistance Included



euro 10000




Delayed Departure maximum euro 500










euro 10000000



Close Relative to travel out if hospitalised

euro 200 per day max 10 days + Economy Flight


Return Home of Children









































20

Business Colleague ReplacementEconomy Flight

Section R ndash Winter Sports













Section S ndash Golf Benefit




Green Fees euro 250







Section U ndash ATM TheftAssault








IMPORTANT NOTICE

1 Pre-existing medical conditions are not covered

2 Please do not curtail any trip without contacting AXA Assistance on +44 (0)203 285 7996

3 In order to be eligible to receive benefits under this Benefit Schedule you must charge the green fees in Section S3 ndash Hole In One Benefit and the eligible item in Section V ndash Purchase Protection in full to your Visa Infinite Card

4 All benefit amounts listed in the Benefit Table are per beneficiary per trip unless otherwise noted (excluding Section V ndash Purchase Protection)

5 The maximum age limit for medical benefits in Section H ndash Emergency Medical and Other Expenses Abroad and Section I ndash Hospital Benefit and benefits related to a medical condition in Section C ndash Cancellation or Curtailment Charges is 79 years inclusive If you reach the age of 80 during the period of cover cover under those sections will continue until the end of that period of cover but not thereafter

INTRODUCTION

IMPORTANT INFORMATION

This travel insurance cover is included with your Barclays Visa Infinite Card (the Policy) Your Barclays Visa Infinite Card is issued by Barclays Bank plc (Jersey Branch)

This Policy wording sets out the full Terms and Conditions of the travel insurance cover provided to Barclays Visa Infinite Card customers This document is your proof of cover You should store this document in a safe place for future reference

ELIGIBILITY

The benefits summarised in this document are dependent upon you being a valid Card Holder at the time of any incident giving rise to a claim Barclays Bank plc (Jersey branc h) will give you notice if there are any material changes to the Policy or if it is cancelled or expires without renewal on equivalent terms

This is your benefit guide It contains details of benefits conditions and exclusions relating to Card Holders and is the basis on which all claims will be settled

THE LAW APPLICABLE TO THESE BENEFITS

These benefits will be governed by the laws of England and Wales unless we have specifically agreed otherwise

21

INSURER DETAILS

Where a Barclays Visa Infinite Card is issued to you in the United Kingdom Jersey or Isle of Man benefits under this Policy are underwritten by Inter Partner Assistance SA Avenue Louise 166 bte 1 1050 Brussels RCBHRB 394025 a Belgian insurance company authorised by the Financial Services and Markets Authority under registration number 0487 through its branch in Ireland at 1011 Mary Street Dublin 1 Ireland Irish Companies Registration Office Nr 906006

Claims will be handled by AXA Travel Insurance 1011 Mary Street Dublin 1 Ireland Irish Companies Registration Office Nr 426087 an insurance intermediary authorised by the Central Bank of Ireland under Nr C47421 on behalf of Inter Partner Assistance SA in the United Kingdom Jersey and Isle of Man

Inter Partner Assistance SA and AXA Travel Insurance are members of the AXA Assistance Group

VALIDITY OF BENEFITS

This document only constitutes a valid evidence of benefits when it is issued in conjunction with a valid Barclays Visa Infinite Card

DURATION AND CANCELLATION

This Benefit Schedule will remain in force while you have your Barclays Visa Infinite Card and will automatically be cancelled when your Barclays Visa Infinite Card account is terminated or when these benefits are cancelled or expire Barclays Bank plc (Jersey branch) will give you notice if this Policy is cancelled or expires without renewal on equivalent terms

You may cancel this Policy by cancelling your Barclays Visa Infinite Card in accordance with the Terms and Conditions of your Barclays Visa Infinite Card

CONTENTS

Important Notice 23Introduction 23Contents 24Definitions 25General Conditions 28Claims Conditions 28Emergency And Medical Service 29Reciprocal Health Agreements 29General Exclusions 30Sports And Activities 32Section A ndash Travel Advice 33Section B ndash Travel Assistance 33Section C ndash Cancellation Or Curtailment Charges 33Section D ndash Missed Departure Missed Connection 34Section E ndash Delayed Departure Abandonment 35Section F ndash Baggage Delay And Extended Baggage Delay 36Section G ndash Involuntary Denial Of Boarding 36Section H ndash Emergency Medical And Other Expenses 37Section I ndash Hospital Benefit 38Section J ndash Home Emergency Service 39Section K ndash Baggage Personal Money And Passport 39Section L ndash Travel Accident 41Section M ndash Personal Liability 41Section N ndash Overseas Legal Expenses 42Section O ndash Catastrophe Benefit 43Section P ndash Hijack Benefit 44Section Q ndash Business Benefit 44Section R ndash Wintersports 44Section S ndash Golf Benefit 46Section T ndash Wedding Cover 46Section U ndash Atm Theft Assault 47Section V ndash Purchase Protection 47Complaints Procedure 49Use Of Your Personal Data 49

22

DEFINITIONS

Any word or expression to which a specific meaning has been attached will bear the same meaning throughout this Benefit Schedule For ease of reading the definitions are highlighted by the use of bold print

Youyourbeneficiary (ies) ndash the Card Holder and hisher family Beneficiaries are covered for benefits when travelling independently of

one another For all sections of the Benefit Schedule other than Section S3 Hole In One Benefit and Section V Purchase Protection the Card Holder and hisher family will be covered irrespective of use of the Barclays Visa Infinite Card

Weusour ndash the insurer of your policy as specified in the INSURER DETAILS section on page 24 andor AXA Travel

Insurance on its behalf (see authorisation details in the INSURER DETAILS section on page 24)

AXA Assistance ndash the service provider arranged by AXA Travel Insurance 1011 Mary Street Dublin 1 Ireland (company number

426087)

Adviser ndash specialist solicitors or their agents

Adviserrsquos costs ndash reasonable fees and disbursements incurred by the adviser with our prior written authority Legal and

accounting expenses shall be assessed on the standard basis and third party costs shall be covered if awarded against you and paid on the standard basis of assessment

Baggage ndash luggage clothing personal effects and other articles which belong to you and are worn used or carried by you

during any trip

Benefit Table ndash the table listing the benefit amounts on pages 22 and 23 All benefits are per beneficiary per trip except as

noted otherwise and excluding Section V Purchase Protection

Bodily injury ndash an identifiable physical injury caused by a sudden violent external unexpected specific event Injury as a result

of your unavoidable exposure to the elements shall be deemed to be a bodily injury

Business equipment ndash items used by you in support of your business activity including office equipment which is portable by design

including but not restricted to personal computers telephones and calculators

Business associate ndash any person whose absence from business for one or more complete days at the same time as your absence

prevents the proper continuation of that business

Business trip- a trip taken wholly or in part for business purposes but excluding manual work

Card Holder ndash the holder of a Visa Infinite Card the card being valid and the account in good standing at the time of the

incident

Close relative ndash mother father sister brother wife husband 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 legal ward partner or fianceacutefianceacutee or Common-Law Partner (any couple including same-sex in a common law relationship or who have co-habited for at least 6 months)

Couple ndash the Card Holder and either their fianceacute(e) spousepartner who is normally resident at the same address

Country of residence ndash the country in which you legally reside and the United Kingdom and the country in which your card is issued

23

Curtailmentcurtail ndash cutting short your trip by returning home due to an emergency authorised by us or by attending a hospital

abroad for in excess of 48 hours as an in-patient and then being repatriated directly from the hospital to your country of residence

Family ndash the spouse or legal partner of the Card Holder their children step children or foster children aged under 19

or age 19 to 21 if in full time education

Golf equipment ndash golf clubs golf balls golf bag golf trolley and golf shoes forming part of your baggage

Hole-in-one ndash driving from the tee during a golf match and holing out in a single stroke

Home ndash your normal place of residence in your country of residence

Medical condition(s) ndash any medical or psychological disease sickness condition illness or injury that has affected you or any close

relative travelling companion or person with whom you intend to stay whilst on your trip

Medical practitioner ndash a legally licensed member of the medical profession recognised by the law of the country where treatment is

provided and who in rendering such treatment is practising within the scope of hisher licence and training and who is not related to you or any travelling companion

Pair or set ndash items of personal belongings or valuables forming part of a set or which are normally used together

Panel ndash our panel of advisers who may be appointed by us to act for you

Period of cover ndash the 12 month period beginning with the start date of your Barclays Visa Infinite Card and each 12 month period

thereafter Cover will end when your Barclays Visa Infinite Card account is terminated or when these benefits are cancelled or expire

Cover begins for any trip commencing on or after the start date of your Barclays Visa Infinite Card The period of any trip may not exceed 30 consecutive days The cover is limited to a total of 183 days outside of the country of residence in any 12 month period Trips must begin and end in the country of residence

Cover begins for eligible items in Section V Purchase Protection purchased with the Barclays Visa Infinite Card after the start date of your Barclays Visa Infinite Card

Under Section C Cancellation cover begins from the time you book the trip and ceases upon commencement of your trip For all other sections of the Benefit Schedule the benefits commence when you leave your home or hotel or your place of business (whichever is the later) to commence the trip and terminates at the time you return to your home hotel or place of business (whichever is the earlier) on completion of the trip

Extension to the period of cover

The period of cover is automatically extended for the period of the delay in the event that your return to your country of residence is unavoidably delayed due to an event covered by this Benefit Schedule

Personal belongings ndash baggage business equipment ski equipment golf equipment wedding gifts andor wedding attire

Personal money ndash bank notes currency notes and coins in current use travellersrsquo and other cheques postal or money orders pre-

paid coupons or vouchers travel tickets hotel vouchers and passport all held for private purposes

24

Pre-existing medical condition(s) ndash any medical or mental condition existing prior to your trip and or causing you pain or physical distress or

severely restricting your normal mobility including (but not limited to)

1 a condition for which you are on a waiting list for or have knowledge of the need for surgery in-patient treatment or investigation at a hospital clinic or nursing home

2 a condition referred to a medical specialist or the cause of in-patient treatment within one year prior to your trip

3 any mental condition including fear of flying or other travel phobia

4 a condition for which you have not had a diagnosis

5 a condition for which a medical practitioner has provided a terminal prognosis

6 any circumstances you are aware of that could reasonably be expected to give rise to a claim on this Benefit Schedule

Public transport ndash any public transport by road rail sea or air with a licensed carrier operating a regular andor charter passenger

service on which you are booked to travel

Ski equipment ndash skis (including bindings) ski boots ski poles snowboards and helmets

ndash Sports and activities

ndash the activities listed in the section Sports and Activities for which your participation in during your trip is not the sole or main reason for your trip (excluding golf and winter sports trips)

Terrorism ndash an act including but not limited to the use of force or violence andor the threat thereof of any person

or group(s) of persons whether acting alone or on behalf of or in connection with any organisation(s) or governments committed for political religious ideological or similar purposes including the intention to influence any government andor to put the public or any section of the public in fear

Trip ndash any journey for business or pleasure made by you worldwide up to 30 consecutive days during the period of

cover Trips must begin and end in a country of residence

A trip solely within any country of residence is only covered where you have pre booked at least two nightsrsquo accommodation in a hotel motel holiday camp bed and breakfast holiday cottage or similar accommodation rented for a fee Cover for Benefits in Section H Emergency Medical and Other Expenses Abroad Section I Hospital Benefit Section L Personal Liability Section N Overseas Legal Expenses and Section U ATM Theft are excluded in the country of residence

Unattended ndash when you are not in full view of and not in a position to prevent unauthorised interference with your property

or vehicle

Valuables ndash jewellery precious metals or precious stones or items made from precious metals or precious stones watches

furs leather articles photographic ndash audio ndash video ndash computer ndash television ndash games ndash and telecommunications equipment (including CDrsquos DVDrsquos tapescassettes films cartridges memory devices and headphones) telescopes binoculars mobile phones laptops tablets and notebooks E-readers and MP34 players

Wedding attire ndash dresses suits shoes and other accessories bought specially for the weddingcivil partnership and make-up hair

styling and flowers paid for and purchased for the weddingcivil partnership forming part of your baggage

25

GENERAL CONDITIONS

These conditions apply throughout the Benefit Schedule You must comply with the following conditions to have the full protection of the Benefit Schedule If you do not comply we may at our option refuse to deal with your claim or reduce the amount of any claim payment

1 DUAL INSURANCEIf at the time of any incident which results in a claim under this Benefit Schedule there is another insurance covering the same loss damage expense or liability we will not pay more than our proportional share (not applicable to Section L ndash Travel Accident) Under Section H ndash Emergency Medical and Other Expenses ndash your health insurer must pay the first amount as stated in their policy and we will commence cover once that limit has been reached

You must claim against your private health insurer state health provider andor other travel insurer first for any in-patient medical expenses abroad up to all applicable limits

2 REASONABLE PRECAUTIONSYou must take and cause to be taken all reasonable precautions to avoid injury illness disease loss theft or damage and take and cause to be taken all practicable steps to safeguard your property from loss or damage and to recover property lost or stolen

3 MAXIMUM AGE LIMITThe maximum age limit for medical benefits in Section H ndash Emergency Medical and Other Expenses Abroad and Section I ndash Hospital Benefit and benefits related to a medical condition in Section C ndash Cancellation or Curtailment Charges is 79 years inclusive If you reach the age of 80 during the period of cover cover will continue under those sections until the end of that period of cover but not thereafter

4 CURTAILMENT ASSISTANCEIn the event of curtailment necessitating your early return home you must contact AXA Assistance The service is available to you and operates 24 hours a day 365 days a year for advice and assistance with your return home AXA Assistance will arrange transport home when you have notice of serious illness imminent demise or death of a close relative at home

5 CARD USAGEIn order to be eligible to receive benefits under this Benefit Schedule you must charge the green fees in Section S3 ndash Hole In One Benefit and the eligible item in Section V ndash Purchase Protection in full to your Visa Infinite Card

CLAIMS CONDITIONS

These conditions apply throughout your Benefit Schedule You must comply with the following conditions to have the full protection of the Benefit Schedule If you do not comply we may at our option refuse to deal with your claim or reduce the amount of any claim payment

The first thing you should do

We recommend that you check your cover Please read the appropriate section in the Benefit Schedule to see exactly what is and is not covered noting any conditions limitations and exclusions

If bodily injury illness loss theft or damage happens you should immediately

1 Call AXA Assistance on +44 (0)203 285 7996 to report a medical emergency request repatriation report any loss theft or damage

2 Inform a local police station in the country where the incident occurred and obtain a crime or lost property irregularity report

3 Take all reasonable steps to recover missing property

4 Take all reasonable steps to prevent a further incident

What you must do after making a claim

1 Tell us and provide full details in writing immediately if someone is holding you responsible for damage to their property or bodily injury to them You must also immediately send us any writ or summons letter of claim or other document

2 If we ask you must send us written details of your claim within 31 days

26

3 You or your legal representatives must supply at your own expense all information evidence details of household insurance medical certificates and assistance that may be needed

4 You must supply all of your original invoices receipts and reports etc

What you must not do

1 Admit or deny any claim made by someone else against you or make any arrangement with them

2 Abandon any property for us to deal with

3 Dispose of any damaged items as we may need to see them

We are entitled to take over any rights in the defence or settlement of any claim in your name for our benefit against any other party We are entitled to take possession of the property insured and deal with any salvage We may also pursue any claim to recover any amount due from a third party in the name of anyone claiming cover under this Benefit Schedule

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

We may refuse to reimburse you for any expenses for which you cannot provide receipts or bills

FRAUD

You must not act in a fraudulent manner If you or anyone acting for you in any respect attempts to gain funds information or other assets by deception or any other illegal means including deliberate misrepresentation or omission of facts in order to misrepresent the true situation this policy shall become void We may inform the police and you must repay to us any amount already received under the policy

EMERGENCY AND MEDICAL SERVICE

Contact AXA Assistance on telephone +44 (0)203 285 7996

In the event of a serious illness or accident which may lead to in-patient hospital treatment or before any arrangements are made for repatriation or in the event of curtailment necessitating your early return home or in the event of you incurring medical expenses in excess of pound500 you must contact AXA Assistance The service is available to you and operates 24 hours a day 365 days a year for advice assistance making arrangements for hospital admission repatriation and authorisation of medical expenses If this is not possible because the condition requires immediate emergency treatment you must contact AXA Assistance as soon as possible Private medical treatment is not covered unless authorised specifically by AXA Assistance

MEDICAL ASSISTANCE ABROAD

AXA Assistance has the medical expertise contacts and facilities to help should you be injured in an accident or fall ill AXA Assistance will also arrange transport home when this is considered to be medically necessary or when you have notice of serious illness or death of a close relative at home

PAYMENT FOR MEDICAL TREATMENT ABROADIf you are admitted to a hospitalclinic while outside your country of residence AXA Assistance will arrange for medical expenses covered by the Benefit Schedule to be paid direct to the hospitalclinic To take advantage of this benefit someone must contact AXA Assistance for you as soon as possible

For simple out-patient treatment you should pay the hospitalclinic yourself and claim back medical expenses from us on your return to your country of residence Beware of requests for you to sign for excessive treatment or charges If in doubt regarding any such requests please call AXA Assistance for guidance

RECIPROCAL HEALTH AGREEMENTS

EUROPEAN UNION (EU) EUROPEAN ECONOMIC AREA (EEA) AND SWITZERLAND

Before travelling to a European Union (EU) country the European Economic Area (EEA) or Switzerland we recommend that you apply for a European Health Insurance Card (EHIC) via your local Post Office or online httpswwwehicorgukInternethomedo This card entitles you to certain free or reduced cost health cover arrangements in the EU EEA or Switzerland

27

AUSTRALIA

When you are travelling to Australia and you register for treatment under the national Medicare scheme Medicare provides

bull free treatment as an in-patient or out-patient at a public hospitalbull subsidised medicines under the Pharmaceutical Benefits Scheme andbull benefits for medical treatment provided by doctors through private surgeries and Government Health Centres

(not hospitals)

You must enrol at Medicare offices in Australia if you will be receiving treatment If you receive treatment before you enrol Medicare benefits can be backdated if you are eligible To be eligible you must be a resident of the United Kingdom and will need to show your passport with an appropriate visa

If you do not enrol at Medicare offices we may reject your claim or limit the amount we pay to you If you need treatment which cannot be carried out under Medicare you MUST contact AXA Assistance before seeking private treatment If you do not do so we may reject your claim or limit the amount we pay to you

For more information you should contact Health Insurance Commission PO Box 1001 Tuggeranong ACT 2901 Australia or visit their website at wwwhicgovau

GENERAL EXCLUSIONS

These exclusions apply throughout your Benefit Schedule We will not pay for claims arising directly or indirectly from

1 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 to losses under Section H ndash Emergency Medical and Other Expenses Section I ndash Hospital Benefit and Section L ndash Travel Accident unless such losses are caused by nuclear chemical or biological attack or the disturbances were already taking place at the beginning of any trip

2 Ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from combustion of nuclear fuel the radioactive toxic explosive or other hazardous properties of any nuclear assembly or nuclear component of such assembly

3 Loss destruction or damage directly occasioned by pressure waves caused by aircraft and other aerial devices travelling at sonic or supersonic speeds

4 Your participation in or practice of any sport or activity unless it is shown as covered under the section Sports and Activities

5 Your engagement in or practice of manual work with the exception of bar and restaurant work wait staff chalet maid au pair and child care and occasional light manual work at ground level including retail work and fruit picking (excluding the use of cutting tools power tools and machinery) flying except as a fare paying passenger in a fully-licensed passenger-carrying aircraft the use of motorised two or three wheeled vehicles unless a full driving licence issued in your country of residence is held permitting the use of such vehicles and you and your passengers are all wearing helmets professional entertaining professional sports racing (other than on foot) motor rallies and motor competitions or any tests for speed or endurance

6 Your wilfully self-inflicted injury or illness suicide or attempted suicide sexually transmitted diseases solvent abuse alcohol abuse the use of drugs (other than drugs taken in accordance with treatment prescribed and directed by a medical practitioner but not for the treatment of drug or alcohol addiction) self exposure to needless peril (except in an attempt to save human life)

7 A condition you have in respect of which a medical practitioner has advised you not to travel or would have done so had you sought hisher advice

8 A condition for which you are travelling with the intention of obtaining medical treatment (including surgery or investigation) or advice outside of your country of residence

9 A condition for which you are not taking the recommended treatment or prescribed medication as directed by a medical practitioner

10 Your travel against any health requirements stipulated by the carrier their handling agents or any other public transport provider

28

11 Your own unlawful action or any criminal proceedings against you

12 Not covered is any claim where you are entitled to Indemnity under any other Insurance including any amounts recoverable from any other source except in respect of any excess beyond the amount which would have been covered under such other Insurance or any amount recoverable from any other source had these benefits herein not been effected

13 Unless we provide cover under these benefits any other loss damage or additional expense following on from the event for which you are claiming Examples of such loss damage or additional expenses would be the cost of replacing locks after losing keys cost incurred in preparing a claim or loss of earnings following bodily injury or illness

14 Operational duties as a member of the Armed Forces

15 Your travel to a country or specific area or event to which a government agency in the country of residence or the World Health Organisation has advised the public not to travel or which are officially under embargo by the United Nations

29

SPORTS AND ACTIVITIES

You are covered under Section H ndash Emergency Medical and Other Expenses Abroad for the following activities provided your participation in them is not the sole or main reason for your trip (excluding golf and winter sports trips) Cover under Section M ndash Personal Liability for those sports or activities marked with is excluded

Abseiling

Archery

Badminton

Baseball

Basketball

Bowling

Camel Riding

Canoeing (up to gradeclass 3)

Clay pigeon shooting

Cricket

Cross country skiing

Elephant Riding

Fell running

Fencing

Fishing

Football

Glacier Skiing

Go- Karting

Golf

Hockey

Horse Riding

Horse Trekking

Hot air ballooning

Ice Skating (on recognised ski rinks)

Jet Biking

Jet Skiing

Kitesurfing

Monoskiing

Mountain bicycling on tarmac

Netball

Orienteering

Paintball

Pony Trekking

Racquetball

Road Cycling

Roller skating

Rounders

Running

Sailing (within 20 Nautical Miles of the coastline)

Sailing (outside 20 Nautical Miles of the coastline)

Scuba diving (Unqualified and above 18 metres)

Scuba diving (Qualified and above 40 metres)

Ski touring

Skidoo

Skiing (on piste or off piste with a guide)

Snowblading

Snowboarding (on piste or off piste with a guide)

Snowshoeing

Squash

Surfing

Table Tennis

Tennis

Tobogganing

Trampolining

Trekking (up to 4000 metres without use of climbing equipment)

Volleyball

War games

Water polo

Water Skiing

Wind Surfing

Yachting (within 20 Nautical Miles of the coastline)

Yachting (outside 20 Nautical Miles of the coastline)

Zorbing

AXA ASSISTANCE is available 24 hours a day 7 days a week on +44 (0)203 285 7996

30

SECTION A ndash TRAVEL ADVICE

WHAT IS COVERED

Before and during your trip we will provide you with information on current visa and entry requirements for all countries If you hold a passport from a country other than the country of residence we may need to refer you to the embassy or consulate of the country concerned

1 current vaccination requirements for all countries and information on current World Health Organisation warnings

2 weather forecasts abroad

3 specific languages spoken at the travel destination

4 time zones and time differences

5 opening hours of major banks including information and advice on the acceptability of various currencies and the main currency in use at the travel destination

SECTION B ndash TRAVEL ASSISTANCE

WHAT IS COVERED

During your trip we will

1 assist you with the procurement of a lawyer andor interpreter and or the advance of any legal or interpreterrsquos fees if you are arrested or threatened with arrest while travelling or are required to deal with any public authority

2 relay messages to your close relatives business colleagues or friends in your country of residence

3 assist in locating your lost baggage and provide you with regular updates on the current situation

4 provide an advance if your cash travellerrsquos cheques or credit cards are lost or stolen and there are no other means for you to obtain funds All advances and delivery fees will be charged to your Barclays Visa Infinite Card account unless another means of repayment to us is accepted in advance

5 assist in obtaining replacement travel documents if the documents required for the return journey are lost or stolen We will not pay the charges payable for issuing new documents In the event that travel tickets for the return journey are lost or stolen an advance shall be paid to enable purchase of a replacement ticket All advances and delivery fees will be charged to your Barclays Visa Infinite Card account unless another means of repayment to us is accepted in advance

WHAT IS NOT COVERED

The cost of any advance or delivery fee

SECTION C ndash CANCELLATION OR CURTAILMENT CHARGES

YOU SHOULD ALWAYS CONTACT AXA ASSISTANCE BEFORE CURTAILMENT Telephone Number +44 (0)203 285 7996

WHAT IS COVERED

We will pay you up to the amount shown in the Benefit Table for any irrecoverable unused travel and accommodation costs and other pre-paid charges which you have paid or are contracted to pay together with any reasonable additional travel expenses incurred if

(a) cancellation of the trip is necessary and unavoidable or

(b) the trip is curtailed before completion

as a result of any of the following events occurring

1 The death bodily injury or illness of

(a) you

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

(c) any person with whom you have arranged to reside temporarily

(d) your close relative or

(e) a business associate

31

2 Compulsory quarantine jury service attendance or being called as a witness at a Court of Law of you or any person with whom you are travelling or have arranged to travel with

3 Redundancy (which qualifies for payment under the current redundancy payment legislation in the county of residence and at the time of booking the trip there was no reason to believe anyone would be made redundant) of you or any person with whom you are travelling or have arranged to travel with

4 The withdrawal of leave for members of the Armed Forces Police Fire Nursing or Ambulance Services or employees of a Government Department provided that such cancellation or curtailment could not reasonably have been expected at the time of receiving these benefits or booking your trip (whichever is the later)

5 The police requesting you within 7 days of your departure date to remain at or subsequently return to your home due to serious damage to your home caused by fire aircraft explosion storm flood subsidence malicious persons or theft

SPECIAL CONDITIONS

1 You must obtain a medical certificate from your treating medical practitioner and prior approval of AXA Assistance to confirm the necessity to return home prior to curtailment of the trip due to death bodily injury or illness

2 If you delay or fail to notify the travel agent tour operator or provider of transport accommodation at the time it is found necessary to cancel the trip our liability shall be restricted to the cancellation charges that would have applied had failure or delay not occurred

3 If you cancel the trip due to bodily injury or illness you must provide a medical certificate from the medical practitioner treating the injuredill person stating that this necessarily and reasonably prevented you from travelling

4 If the car which you intended to use for the trip is stolen or damaged within 7 days of the departure date then the costs of a hire car will be covered and no cancellation costs will be paid

WHAT IS NOT COVERED

1 Pre-existing medical conditions of you or anyone referred to under section 1 of WHAT IS COVERED above

2 The cost of recoverable airport charges and levies

3 Any claims arising directly or indirectly from

(a) Redundancy caused by or resulting from misconduct leading to dismissal or from resignation or voluntary redundancy or where a warning or notification of redundancy was given prior to the date these benefits became effective or the time of booking any trip (whichever is the earlier)

(b) Circumstances known to you prior to the date these benefits became effective or the time of booking any trip (whichever is the earlier) which could reasonably have been expected to give rise to cancellation or curtailment of the trip

4 Costs paid for using any airline mileage reward scheme for example Avios or any card bonus point schemes Timeshare Holiday Property Bond or other holiday points scheme andor any associated maintenance fees

5 Normal pregnancy without any accompanying bodily injury illness disease or complication This section is designed to provide cover for unforeseen events accidents illnesses and diseases and normal childbirth would not constitute an unforeseen event

SECTION D ndash MISSED DEPARTURE MISSED CONNECTION

WHAT IS COVERED

We will pay you up to the amount shown in the Benefit Table for reasonable additional accommodation (room only) and travel expenses necessarily incurred in reaching your overseas destination connecting flights outside the country of residence or returning to the country of residence if you fail to arrive at the international departure point in time to board the scheduled public transport on which you are booked to travel on the initial international journey of the trip as a result of

1 the failure of other scheduled public transport or

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

3 strike industrial action or adverse weather conditions

32

SPECIAL CONDITIONS

1 You must allow sufficient time for the scheduled public transport or other transport to arrive on schedule and to deliver you to the departure point

2 You must obtain a written report from the carrier confirming the delay and cause

3 You must obtain a written report from the police or attending emergency service if the vehicle you are travelling in breaks down or is involved in an accident

4 All itemised receipts must be retained

5 You may claim only once under Section E ndash Delayed DepartureAbandonment or once under Section D ndash Missed DepartureMissed Connection or once under Section G ndash Involuntary Denial of Boarding for the same event not twice or all

WHAT IS NOT COVERED

1 Claims arising directly or indirectly from

(a) Strike or industrial action existing or declared publicly by the date these benefits became effective or you booked your trip (whichever is the earlier)

(b) Withdrawal from service (temporary or otherwise) of an aircraft or sea vessel on the recommendation of the Aviation Authority or a Port Authority or any similar body in any country

(c) An accident to or breakdown of the vehicle in which you are travelling for which a police or emergency service report is not provided

(d) Breakdown of any vehicle in which you are travelling if the vehicle is owned by you and has not been serviced properly and maintained in accordance with manufacturerrsquos instructions

2 Additional expenses where the scheduled public transport operator has offered reasonable alternative travel arrangements

3 Missed departure when less than a minimum connection time of 2 hours between connecting flights at an international point of departure has been arranged or longer if flight reservations systems require longer periods for connections

SECTION E ndash DELAYED DEPARTURE ABANDONMENT

WHAT IS COVERED

1 If departure of the scheduled public transport on which you are booked to travel is delayed at the final departure point from or to the country of residence for at least 4 hours from 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 scheduled public transport on which you are booked to travel

we will pay you either

1 up to the amount shown in the Benefit Table for each completed 4 hours delay up to a maximum of the amount shown in the Benefit Table for reasonable meals refreshments and additional accommodation (room only) or

2 up to the amount as shown in the Benefit Table for Section C ndash Cancellation for any irrecoverable unused travel and accommodation costs and other pre-paid charges which you have paid or are contracted to pay if after a minimum of 24 hours delay has elapsed for a trip booked 1-7 days and a minimum of 36 hours delay has elapsed for a trip booked over 8 days you choose to cancel your trip

33

SPECIAL CONDITIONS

1 You must check in according to the itinerary supplied to you

2 You must obtain confirmation from the carriers (or their handling agents) in writing of the number of hours of delay and the reason for the delay

3 You must comply with the terms of contract of the travel agent tour operator or provider of transport



WHAT IS NOT COVERED


(a) Strike or industrial action or air traffic control delay existing or publicly declared by the date these benefits became effective or you booked your trip (whichever is the earlier)


2 Abandonment after first leg of a trip

SECTION F ndash BAGGAGE DELAY AND EXTENDED BAGGAGE DELAY

WHAT IS COVERED

BAGGAGE DELAY

We will pay you up to the amount shown in the Benefit Table for Baggage Delay for the emergency replacement of clothing medication and toiletries if the checked in baggage is temporarily lost in transit during the outward journey and not returned to you within 6 hours of your arrival

EXTENDED BAGGAGE DELAY

We will pay you up to the amount shown in the Benefit Table for Extended Baggage Delay if the checked in baggage has still not arrived at your destination airport within 48 hours of your arrival

If the loss is permanent the amount paid will be deducted from the final amount to be paid under Section K ndash Baggage

SPECIAL CONDITIONS

1 Written confirmation must be obtained from the carrier confirming the number of hours the baggage was delayed


3 Anything mentioned under Section K ndash Baggage Personal Money and Passport Special Conditions

WHAT IS NOT COVERED

Anything mentioned under Section K ndash Baggage Personal Money and Passport What is not Covered

SECTION G ndash INVOLUNTARY DENIAL OF BOARDING

WHAT IS COVERED

DENIAL OF BOARDING

If you have checked-in or attempted to check in for a confirmed scheduled flight within the published check-in times and you are involuntarily denied boarding as a result of overbooking we will pay your costs incurred in respect of restaurant meals and refreshments consumed between the original scheduled flight departure time and your actual departure time up to the amount shown in the Benefit Table

EXTENDED DENIAL OF BOARDING

If you are delayed for more than six hours we will pay up to the amount shown in the Benefit Table for your costs incurred in respect of hotel accommodation used and restaurant meals and refreshments consumed within 30 hours of the original scheduled flight departure time and before your actual departure

34

SPECIAL CONDITIONS



WHAT IS NOT COVERED

1 Any costs or charges for which the airline will compensate you

2 Any costs or charges incurred where seat bumping was not involuntary andor on a mandatory basis

3 Any claims where written proof from the airline is not obtained confirming your inability to travel through over-booking and the period of delay until your next available flight is confirmed

SECTION H ndash EMERGENCY MEDICAL AND OTHER EXPENSES

WHAT IS COVERED

We will pay you up to the amount shown in the Benefit Table for the following expenses which are necessarily incurred outside of the country of residence as a result of your suffering bodily injury or a medical condition andor compulsory quarantine

1 Emergency medical surgical hospital ambulance and nursing fees and charges incurred outside of the country of residence

2 Emergency dental treatment for the immediate relief of pain (to natural teeth only) up to the limit in the Benefit Table incurred outside of the country of residence

3 In the event of your death outside of the country of residence the reasonable additional cost of funeral expenses abroad up to a maximum of euro2500 plus the reasonable cost of conveying your ashes to your home or the additional costs of returning your remains to your home

4 Up to the amount shown in the Benefit Table per night for 10 nights for reasonable accommodation expenses incurred up to the standard of your original booking if it is medically necessary for you to stay beyond your scheduled return date This includes with the prior authorisation of AXA Assistance up to the amount shown in the Benefit Table per night for reasonable additional accommodation expenses for a friend or close relative to remain with you and escort you home If you and your friend or close relative are unable to use the original return ticket AXA Assistance will provide additional travel expenses up to the standard of your original booking to return you to your home

5 Economy class transport and up to the amount shown in the Benefit Table per night for 10 nightsrsquo accommodation expenses for a close relative from the country of residence to visit you or escort you to your home if you are travelling alone and if you are hospitalised as an in-patient for more than 10 days with the prior authorisation of AXA Assistance

6 With the prior authorisation of AXA Assistance the additional costs incurred in the use of air transport or other suitable means including qualified attendants to repatriate you to your home if it is medically necessary Repatriation expenses will be in respect only of the identical class of travel utilised on the outward journey unless AXA Assistance agree otherwise

7 Economy class transport and up to the amount shown in the Benefit Table per night for 3 nightsrsquo accommodation expenses for a friend or close relative to travel from the country of residence to escort beneficiaries under the age of 16 to your home in the country of residence if you are physically unable to take care of them If you cannot nominate a person we will then select a competent person

8 If we have repatriated you to your country of residence with a medical escort we will pay for your accommodation food and nursing costs for up to 10 days up to the amounts listed in the Benefit Table while you are convalescing in a Nursing Home registered in accordance with the legislation in the country of residence The convalescence must immediately follow your repatriation and be agreed to by our senior medical officer in consultation with the registered medical practitioner treating you

35

SPECIAL CONDITIONS

1 You must give notice as soon as possible to AXA Assistance of any bodily injury or medical condition which necessitates your admittance to hospital as an in-patient or before any arrangements are made for your repatriation

2 You must contact AXA Assistance as soon as possible in the event of you incurring medical expenses in excess of euro500 relating to any one incident

3 In the event of your bodily injury or medical condition we reserve the right to relocate you from one hospital to another and arrange for your repatriation to the country of residence at any time during the trip We will do this if in the opinion of the medical practitioner in attendance or AXA Assistance you can be moved safely andor travel safely to the country of residence to continue treatment

4 You must always contact AXA Assistance before curtailing your trip

5 You must claim against your state or private health insurer first for any in-patient medical expenses abroad up to your policy limit In the event of a claim under this section you must advise us of any other insurance policy you hold or benefit from which may provide cover

WHAT IS NOT COVERED

1 Any claim arising directly or indirectly from any pre-existing medical condition

2 Any claims arising directly or indirectly in respect of

(a) Costs of telephone calls other than calls to AXA Assistance notifying them of the problem for which you are able to provide a receipt or other evidence to show the cost of the call and the number telephoned

(b) The cost of treatment or surgery including exploratory tests which are not directly related to the bodily injury or medical condition which necessitated your admittance into hospital

(c) Any expenses which are not usual reasonable or customary to treat your bodily injury or medical condition

(d) Any form of treatment or surgery which in the opinion of the medical practitioner in attendance and AXA Assistance can be delayed reasonably until your return to the country of residence

(e) Expenses incurred in obtaining or replacing medication which at the time of departure is known to be required or to be continued outside the country of residence

(f) Additional costs arising from single or private room accommodation

(g) Treatment or services provided by a health spa convalescent or nursing home or any rehabilitation centre unless agreed by AXA Assistance

(h) Any expenses incurred after you have returned to the country of residence unless previously agreed to by AXA Assistance

(i) Expenses incurred as a result of a tropical disease where you have not had the recommended inoculations andor taken the recommended medication

(j) Your decision not to be repatriated after the date when in the opinion of AXA Assistance it is safe to do so

SECTION I ndash HOSPITAL BENEFIT

WHAT IS COVERED

We will pay you up to the amount shown in the Benefit Table for every complete 24 hours you have to stay in hospital as an in-patient outside the country of residence as a result of bodily injury or medical condition you sustain We will pay the amount in the Benefit Table in addition to any amount payable under Section H ndash Emergency Medical and Other Expenses

SPECIAL CONDITIONS

1 You must give notice as soon as possible to AXA Assistance of any bodily injury or medical condition which necessitates your admittance to hospital as an in-patient

36

WHAT IS NOT COVERED


(a) Any additional period of hospitalisation relating to treatment or surgery including exploratory tests which are not directly related to the bodily injury or medical condition which necessitated your admittance into hospital

(b) Hospitalisation relating to any form of treatment or surgery which in the opinion of the medical practitioner in attendance and AXA Assistance can be delayed reasonably until your return to the country of residence

(c) Any additional period of hospitalisation relating to treatment or services provided by a convalescent or nursing home or any rehabilitation centre

(d) Hospitalisation as a result of a tropical disease where you have not had the recommended inoculations andor taken the recommended medication

(e) Any additional period of hospitalisation following your decision not to be repatriated after the date when in the opinion of AXA Assistance it is safe to do so


SECTION J ndash HOME EMERGENCY SERVICE

WHAT IS COVERED

We will arrange for one of our approved tradesmen to contact you to arrange for the emergency repair to your domestic gas or electricity supply fixed heating system domestic plumbing or drainage system doors windows external locks or roofing if any of them suffer damage during your trip or up to 3 days upon your return home after a trip We will pay for the call out charge and two man hoursrsquo time We will also pay for any parts or materials used to make the repair up to a maximum total of euro150 (including VAT) per trip

WHAT IS NOT COVERED

1 More than two man hoursrsquo labour charge

2 Costs of more than euro150 (including VAT) for parts and materials used to make the repair

3 Blockage of toilet units not caused by sudden breakage or mechanical failure

4 Failure of the central heating system unless there is the danger of frost damage to your home

5 Emergencies caused by leaking water hoses or water appliances

6 Leaking overflows or gradual seepage from defective seal joints any claim involving a septic tank descaling or work relating to hard water scale deposit removal

7 Damage made by the tradesman while gaining necessary access to your home

8 Damage to any contents of your home

9 Any costs which were not authorised by us first

SECTION K ndash BAGGAGE PERSONAL MONEY AND PASSPORT

WHAT IS COVERED

BAGGAGE

We will pay you up to the amount shown in the Benefit Table for the accidental loss of theft of or damage to baggage The amount payable will be the value at todayrsquos prices less a deduction for wear tear and depreciation (or we may at our option replace reinstate or repair the lost or damaged baggage) The maximum we will pay for any one article pair or set of articles is equal to the Single Item Limit shown in the Benefit Table The maximum we will pay for all valuables in total is equal to the valuables Limit shown in the Benefit Table

If you are on a cruise we will pay you up to the amount shown in the Benefit Table for cruise baggage

37

PERSONAL MONEY

We will pay you up to the amounts shown in the Benefit Table for the accidental loss of theft of or damage to personal money

We will pay you up to the amounts shown in the Benefit Table for cash limit for bank notes currency notes and coins and up to the Cash Limit for under 16rsquos if you are under the age of 16

PASSPORT

We will pay you up to the amount shown in the Benefit Table for reasonable additional travel and accommodation expenses incurred necessarily abroad to obtain a replacement of your lost or stolen passport We will only pay the pro-rata value of the lost passport

SPECIAL CONDITIONS

1 All receipts must be retained

2 You must report all incidences of loss theft or attempted theft of personal belongings to the local police within 24 hours of discovery and obtain a written report A Holiday Representatives Report is not sufficient

3 For items damaged whilst on your trip you must obtain an official report from an appropriate local authority

4 If personal belongings are lost stolen or damaged while in the care of a carrier transport company authority or hotel you must report to them in writing details of the loss theft or damage and obtain an official report from an appropriate local authority If personal belongings are lost stolen or damaged whilst in the care of an airline you must

(a) obtain a Property Irregularity Report from the airline

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

(c) retain all travel tickets and tags for submission if a claim is to be made under the Benefit Schedule

5 You must provide an original receipt or proof of ownership for items lost stolen or damaged to help you to substantiate your claim

6 Receipts for items lost stolen or damaged must be retained as these will help you to substantiate your claim

7 Payment will be made based on the value of the property at the time it was damaged lost or stolen A deduction will be made for wear tear and loss of value depending on the age of the property or we may at our option replace reinstate or repair the lost or damaged personal belongings

WHAT IS NOT COVERED

1 Loss theft of or damage to valuables or personal money left unattended at any time (including in a vehicle or in the custody of carriers) unless deposited in a hotel safe locked safety deposit box or in your locked accommodation

2 Loss theft of or damage to personal belongings contained in an unattended vehicle

(a) overnight between 9pm and 8am (local time) or

(b) at any time between 8am and 9pm (local time) unless it is in the locked boot which is separate from the passenger compartment for those vehicles with a boot or for those vehicles without a separate boot locked in the vehicle and covered from view and evidence of forcible and violent entry to the vehicle confirmed by a police report

3 Loss or damage due to delay confiscation or detention by customs or other authority

4 Loss theft of or damage to unset precious stones contact or corneal lenses eye glasses hearing aids dental or medical fittings cosmetics antiques musical instruments deeds manuscripts securities perishable goods bicycles and damage to suitcases (unless the suitcases are entirely unusable as a result of one single incidence of damage)

5 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 or other brittle or fragile articles unless caused by fire theft or accident to the aircraft sea vessel train or vehicle in which they are being carried

38

6 Loss or damage due to breakage of sports equipment or damage to sports clothing whilst in use

7 Claims which are not supported by the original receipt proof of ownership or insurance valuation (obtained prior to the loss) of the items lost stolen or damaged

8 Loss theft of or damage to tools of trade motor accessories and other Items used in connection with your business trade profession or occupation

9 Loss or damage caused by wear and tear depreciation deterioration atmospheric or climatic conditions moth vermin any process of cleaning repairing or restoring mechanical or electrical breakdown or liquid damage

10 Loss or damage due to depreciation in value variations in exchange rates or shortages due to error or omission

11 Claims arising from loss or theft from your accommodation unless there is evidence of forced entry which is confirmed by a police report

12 Claims arising from damage caused by leakage of powder or liquid carried within personal effects or baggage

13 Claims arising from loss theft or damage of personal belongings shipped as freight or under a bill of lading

SECTION L ndash TRAVEL ACCIDENT

DEFINITIONS ndash Applicable to this section

Loss of limb ndash loss by permanent severance of an entire hand or foot or the total and permanent loss of use of an entire hand

or foot

Loss of sight ndash total and irrecoverable loss of sight in both eyes

Permanent total disablement ndash disablement which in the opinion of our medical practitioner entirely prevents you from engaging in or giving

any attention to any and every business or occupation for the remainder of your life

WHAT IS COVERED

We will pay you up to the amount shown in the Benefit Table if you sustain bodily injury whilst on public transport during a trip which shall solely and independently of any other cause result within one year in your death loss of limb loss of sight or permanent total disablement

SPECIAL CONDITIONS

Our medical practitioner may examine you as often as reasonably necessary prior to paying a claim

PROVISIONS

The benefit is not payable to you

1 Under more than one of the items shown in the Benefit Table

2 Under permanent total disablement until one year after the date you sustain bodily injury

3 Under permanent total disablement if you are able or may be able to carry out any gainful employment or gainful occupation

WHAT IS NOT COVERED


SECTION M ndash PERSONAL LIABILITY

WHAT IS COVERED

1 We will pay up to the amount shown in the Benefit Table (inclusive of legal costs and expenses up to the amount shown in the Benefit Table) against any amount you become legally liable to pay as compensation for any claim or series of claims arising from any one event or source of original cause in respect of accidental

39

2 Bodily injury death illness or disease to any person who is not in your employment or who is not a close relative or member of your household

3 Loss of or damage to property that does not belong to and is neither in the charge of or under the control of you a close relative anyone in your employment or any member of your household other than any temporary holiday accommodation occupied (but not owned) by you

4 In the event of an incident related to golfing we will pay up to the amount shown in the Benefit Table for Golf Liability

SPECIAL CONDITIONS

1 You must give us written notice as soon as possible of any incident which may give rise to a claim

2 You must forward every letter writ summons and process to us as soon as you receive it

3 You must not admit any liability or pay offer to pay promise to pay or negotiate any claim without our written consent

4 We will be entitled if we so desire to take over and conduct in your name the defence of any claims for indemnity or damages or otherwise against any third party We shall have full discretion in the conduct of any negotiation or proceedings or in the settlement of any claim and you shall give us all necessary information and assistance which we may require

5 In the event of your death your legal representative(s) will have the protection of the Benefit Schedule provided that such representative(s) comply(ies) with the Terms and Conditions outlined in this document

WHAT IS NOT COVERED

1 Compensation or legal costs arising directly or indirectly from

(a) Liability which has been assumed by you under agreement unless the liability would have attached in the absence of such agreement

(b) Pursuit of any business trade profession or occupation or the supply of goods or services

(c) Ownership possession or use of vehicles aircraft or watercraft (other than surfboards or manually propelled rowboats punts canoes)

(d) The transmission of any communicable disease or virus

(e) Ownership or occupation of land or buildings (other than occupation only of any temporary holiday accommodation where we will not pay for the first pound250 of each and every claim arising from the same incident)

(f) Your criminal malicious or deliberate acts

SECTION N ndash OVERSEAS LEGAL EXPENSES

WHAT IS COVERED

We will pay up to the amount shown in the Benefit Table for legal costs to pursue a civil action for compensation if someone else causes you bodily injury medical condition or death during your trip We will also pay reasonable costs of an interpreter that is arranged by us for court proceedings

HOW WE SETTLE LEGAL EXPENSES CLAIMS

We will appoint a member of our panel to handle your case However should you choose to appoint an adviser of your own choice to act on your behalf you will notify us to that effect We will upon receipt of your notification advise you of any conditions concerning such appointment

SPECIAL CONDITIONS

1 You must notify us of claims as soon as reasonably possible and in any event within 30 days of you becoming aware of an incident which may generate a claim

2 We will provide you with a claim form which must be returned promptly with all relevant information required by us You must supply at your own expense all of the information which we reasonably require to decide whether a claim may be accepted

40

3 In the event of a dispute arising as to adviserrsquos costs we may require you to change adviser

4 We shall only be liable for adviserrsquos costs for work expressly authorised by us in advance in writing and undertaken while there are reasonable prospects of success In the event that you instruct an adviser of your own choice instead of the panel adviser appointed by us your adviserrsquos costs will be covered to the extent that they do not exceed our standard panel adviserrsquos costs

5 You are responsible for any adviserrsquos costs if you withdraw from the legal action other than on the advice of your adviser without our prior consent Any adviserrsquos costs or other fees already paid under these benefits will be reimbursed to us by you

6 We will not start legal proceedings in more than one country in respect of the same occurrence

7 We may choose to conduct legal proceedings in the United States of America or Canada under the contingency fee system operating in those countries

WHAT IS NOT COVERED

1 Any claim where we think there is not a reasonable chance of you winning the case or achieving a reasonable settlement

2 Costs or expenses incurred before we accept your claim in writing

3 Claims not notified to AXA Assistance within 30 days of the incident

4 Claims against a carrier the travel or holiday agent or tour operator arranging any trip us Inter Partner Assistance AXA Travel Insurance AXA Assistance or their agents and Barclays Bank plc

5 Claims against someone you were travelling with or another covered person or any other person covered under a Barclays Visa Infinite policy

6 Legal action where in our opinion the estimated amount of compensation is less than pound750

7 Actions undertaken in more than one country

8 Lawyersrsquo fees incurred on the condition that your action is successful

9 Penalties or fines which a Court awards against you

10 Claims by you other than in your private capacity

11 Claims occurring within the country of residence

SECTION O ndash CATASTROPHE BENEFIT

WHAT IS COVERED

We will pay you up to the amounts shown in the Benefit Table in the event that you are forced to move from the pre-booked accommodation as a result of fire lightning explosion earthquake storm tempest hurricane flood medical epidemic or local Government directive which is confirmed in writing by local or national authority for irrecoverable travel or accommodation costs necessarily incurred to continue with the trip or if the trip cannot be continued for your return home

SPECIAL CONDITIONS

1 You must obtain a report from local or national authority stating that it was not acceptable for you to remain in your pre booked accommodation

2 If you receive any compensation from the tour operator booking agent or any third party any claim under this section will be reduced by the amount of compensation received

WHAT IS NOT COVERED

Claims where the tour company is responsible

41

SECTION P ndash HIJACK BENEFIT

WHAT IS COVERED

We will pay you up to the amounts shown in the Benefit Table for each 24 hours you are detained in the event that the aircraft or sea vessel in which you are travelling as a fare paying passenger is hijacked

SECTION Q ndash BUSINESS BENEFIT

WHAT IS COVERED

Business Equipment

We will pay you up to the amount shown in the Benefit Table for accidental loss theft of or damage to your business equipment The maximum we will pay for any single item computer equipment or business samples is as shown in the Benefit Table

Replacement Business Colleague

We will pay up to the amount shown in the Benefit Table in arranging for a business associate to take your place on a pre-arranged business trip in the event that

1 You die

2 You are unable to make the business trip due to you being hospitalised or totally disabled as confirmed in writing by a medical practitioner

3 Your close relative or business associate in the country of residence dies is seriously injured or falls seriously ill

4 You are unable to continue working on your trip following your return home after your covered treatment under Section H ndash Emergency Medical and Other Expenses

SPECIAL CONDITIONS

1 Our liability for business equipment hired by you shall be further limited to your liability for such loss or damage


WHAT IS NOT COVERED

1 Claims arising for business equipment left unattended in a place to which the general public has access or left in the custody of a person who does not have an official responsibility for the safekeeping of the property at anytime

2 Claims arising for computer equipment and valuables whilst in the custody of a carrier


4 In respect of replacement business colleague

(a) Additional costs if you were totally disabled hospitalised or you were on a waiting list to go into hospital at the time of arranging the business trip

(b) Additional costs if you were aware of circumstances at the time of arranging the business trip which could reasonable have been expected to give rise to disruption of the business trip

5 Anything mentioned under Section K ndash Baggage Personal Money and Passport What is not Covered

SECTION R ndash WINTERSPORTS

WHAT IS COVERED

SKI EQUIPMENT

We will pay you up to the amount shown in the Benefit Table for the accidental loss of theft of or damage to your own ski equipment or for hired ski equipment The amount payable will be the value at todayrsquos prices less a deduction for wear tear and depreciation (or we may at our option replace re-instate or repair the lost or damaged ski equipment) The maximum we will pay for any one article pair or set of articles is shown in the Benefit Table

42

SKI EQUIPMENT HIRE

We will pay you up to the amount shown in the Benefit Table for the reasonable cost 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 your own ski equipment

SPECIAL CONDITIONS

1 Our liability for ski equipment hired by you shall be further limited to your liability for such loss or damage


WHAT IS NOT COVERED


SKI PACK

We will pay you up to the amount shown in the Benefit Table

(a) For the unused portion of your ski pack (ski school fees lift passes and hired ski equipment) following your bodily injury or illness

(b) For the unused portion of your lift pass if lost

SPECIAL CONDITIONS

You must provide written confirmation from a medical practitioner that such bodily injury or illness prevented you from using your ski pack

WHAT IS NOT COVERED

Any claim arising directly or indirectly from any pre-existing medical condition

PISTE CLOSURE

If you are prevented from skiing (excluding cross country skiing) at the pre-booked resort for more than 24 consecutive hours because insufficient snow or adverse weather causes a total closure of the lift system (other than baby drags and lifts used for transport within the resort by non-skiers) we will pay you up to the amount shown in the Benefit Table for the cost of transport and lift pass charges for travel to and from an alternative site

If no alternative sites are available we will pay you a benefit up to the amount shown in the Benefit Table

SPECIAL CONDITIONS

1 The cover only applies to trips to resorts taken during their published ski season where you have pre-booked at least one nightsrsquo accommodation and for so long as such conditions prevail at the resort but not exceeding the pre-booked period of your trip

2 You must obtain written confirmation from the resort management of the piste conditions confirming the closure of facilities and the dates applicable

AVALANCHE CLOSURE

If access to and from the ski resort is blocked or scheduled public transport services are cancelled or curtailed following avalanches or landslides we will pay up to the amount as shown in the Benefit Table for reasonable extra accommodation and travel expenses

SPECIAL CONDITIONS

1 The cover only applies to trips to resorts taken during their published ski season where you have pre-booked at least one nightsrsquo accommodation and for so long as such conditions prevail at the resort


43

SECTION S ndash GOLF BENEFIT

WHAT IS COVERED

GOLF EQUIPMENT

We will pay you up to the amount as shown in the Benefit Table for loss theft or damage to your own golf equipment The amount payable will be the value at the time of the loss less a deduction for wear tear and depreciation or we may at our option replace reinstate or repair the lost or damaged golf equipment The maximum payment for any single item is shown in the Benefit Table

SPECIAL CONDITIONS

Anything mentioned under Section K ndash Baggage Personal Money and Passport Special Conditions

WHAT IS NOT COVERED

1 Claims arising for golf equipment left unattended in a place to which the general public has access or left in the custody of a person who does not have an official responsibility for the safekeeping of the property at anytime

2 Claims arising for loss theft or damage of golf equipment carried on a vehicle roof rack

3 Loss theft of or damage to golf equipment over 5 years old


GREEN FEES

We will pay you up to the amount shown in the Benefit Table per trip to reimburse your pre-paid irrecoverable Green Fees if

1 You are ill or suffer a bodily injury during your trip and you are medically certified (by the treating registered medical practitioner at the resort or place of incident) as being unable to play golf for the remainder of your trip or

2 You have to cancel or curtail your trip for any of the valid reasons listed under Section C ndash Cancellation or Curtailment

SPECIAL CONDITIONS

1 You must provide written confirmation from a medical practitioner at the resort or place of incident that such bodily injury or illness prevented you from golfing

2 Anything mentioned in Section C ndash Cancellation or Curtailment

HOLE IN ONE BENEFIT

If you shoot a Hole-in-One during a golf game where green fees have been paid for with your Barclays Visa Infinite Card we will pay up to euro250 towards bar expenses

SPECIAL CONDITIONS

You must provide a certified copy of your score card signed by you and a witness and countersigned by the club professional a dated Golf Club bar receipt and a dated charge slip for the greens fees

SECTION T ndash WEDDING COVER


Youyour beneficiarycovered couplendash the couple travelling abroad to be married or enter into a civil partnership whose names appear on the marriagecivil partnership certificate

WHAT IS COVERED

1 We will pay up to the amount shown in the Benefit Table for the accidental loss of theft of or damage to

(a) each wedding ring taken or purchased during the trip for each beneficiary

(b) wedding gifts taken or purchased during the trip for the covered couple

(c) Your wedding attire which is specifically worn by you on your wedding day

44

The amount payable will be the original purchase price less a deduction for wear tear and depreciation or we may at our option replace reinstate or repair the lost or damaged baggage

2 We will pay up to the amount shown in the Benefit Table for the reasonable additional costs incurred to reprint make a copy of or retake the photographsvideo recordings either at a later date during the trip or at a venue in the country of residence if

(a) the professional photographer who was booked to take the photographs video on your wedding civil partnership day is unable to fulfil such obligations due to bodily injury illness or unavoidable and unforeseen transport problems or

(b) the photographs video recordings of the wedding civil partnership day taken by a professional photographer are lost stolen or damaged within 14 days after the wedding civil partnership day and whilst you are still at the holidayhoneymoon location

SPECIAL CONDITIONS

1 If the same items are also covered under Section K ndash Baggage Baggage Delay and Passport you can only claim for these under one section for the same event


WHAT IS NOT COVERED

1 Claims arising for loss or theft of wedding gifts left unattended in a place to which the general public has access (eg in the room the reception is held)


SECTION U ndash ATM THEFT ASSAULT

WHAT IS COVERED

We will pay you up to the amount shown in the Benefit Table if you are mugged or robbed and the cash that you have withdrawn from an ATM with your Barclays Visa Infinite Card is taken from you within 500 metres of the ATM and within 1 hour of the withdrawal during a trip

SPECIAL CONDITIONS

1 You must report the theft to the police within 4 hours (or as soon as possible) of the attackrobbery

2 You must report the incident to AXA Assistance within 72 hours of the attackrobbery

3 You must obtain a written report from the police which includes an incident number

4 You must provide proof of the amount date and time of the covered withdrawal

WHAT IS NOT COVERED

Any cash that is withdrawn before 1 hour of the time of the robbery andor not withdrawn using the Barclays Visa Infinite Card

SECTION V ndash PURCHASE PROTECTION


Youyour ndash the Card Holder

Eligible item ndash an item purchased by the Card Holder solely for personal use (including gifts) which has been charged fully

to the Card Holders Barclays Visa Infinite Card account and is not listed under WHAT IS NOT COVERED in this section

Purchase price ndash the lower of the amounts shown on either the Barclays Visa Infinite Card billing statement or the store receipt

for the eligible item

45

WHAT IS COVERED

In the event of loss through theft fire and accidental damage to an eligible item within 90 days of purchase we will at our option replace or repair the eligible item or credit your Barclays Visa Infinite Card account an amount not exceeding the purchase price of the eligible item or the single item limit shown in the Benefit Table whichever is lower We will not pay more than the amount shown in the Benefit Table for any one event or more than the maximum amount shown in the Benefit Table in any one 365 day period

SPECIAL CONDITIONS

1 Purchase Protection provides cover only for claims or portions of claims that are not covered by other applicable guarantees warranties insurance or indemnity policies subject to the stated limits of liability

2 Claims for an eligible item belonging to a pair or set will be paid up to the full purchase price of the pair or set provided the items are not useable individually and cannot be replaced individually

3 If you purchase the eligible item as a gift for someone else we will if you wish pay a valid claim to the recipient subject to you making the claim

4 You must exercise due diligence and do all things reasonably practicable to avoid any direct physical theft or damage to an eligible item

5 You will need to transfer to us on our request and at your expense any damaged eligible item or part of a pair or set and assign the legal rights to recover from the party responsible up to the amount we have paid

6 You must document that the claim has not been sent to other insurance company

7 You must provide us with the original sales receipt from store original of card receipt original of account showing the transaction and the police report

WHAT IS NOT COVERED

1 The excess of euro75 applying to each and every claim

2 Lost items not connected to theft fire or damage caused by accident

3 Mysterious disappearance of items

4 Theft or damage caused by fraud mistreatment carelessness or not following the manufacturerrsquos manual

5 Items which were used before purchase second-hand altered or bought fraudulently by the Card Holder

6 Damage to items caused by product defects

7 Expenses due to repairs not performed by workshops approved by AXA Assistance

8 Stolen items not reported to the police within 48 hours of discovery and a written report obtained

9 Items left unattended in a place accessible to the public

10 Loss or damage due to normal wear and tear of items or damage due to normal use or normal activity during sports and games (example golf- tennis balls or other consumable items used for sport or games)

11 Motor vehicles motorcycles bicycles boats caravans trailers hovercraft aircraft and their accessories

12 Loss or damage due to radioactivity water damp earthquake unexplainable disappearance or error during production

13 Theft loss or damage when item is under supervision control or taking care of by third party other than allowed according to safety regulations

14 Items not received by the Card Holder or other party pointed out by the Card Holder

15 Losses of any item from property land or premises unless entry or exit to the property or premises was gained by the use of force resulting in visible physical damage to the property or premises

16 Direct physical theft or damage to items in a motor vehicle or as a result of the theft of said motor vehicle

46

17 Loss caused by declared or undeclared war confiscation by order of any government or public authority or arising from illegal acts

18 Loss of jewellery watches precious metals and gemstones in baggage unless carried by hand and under the Card Holderrsquos personal supervision or under the supervision of a travelling companion previously known to the Card Holder

19 Services cash travel checks tickets documents currency silver and gold

20 Art antiques rare coins stamps and collectorrsquos items

21 Animals living plants consumables perishable goods or permanent installations

22 Electronic items and equipment including but not limited to personal stereos MP34 players computers or computer-related equipment whilst at your place of employment items used for business purpose

23 Riot and civil commotions strikes labour and political disturbances

24 Any mail order items or items delivered by courier until item or items are received checked for damage and accepted at the nominated delivery address

25 Items purchased on the Internet unless it is from a local country registered site

26 Theft or accidental damage to any item where there is any other insurance covering the same theft or accidental damage or where the Terms and Conditions of such other insurance have been broken or for the reimbursement of any evident excess

COMPLAINTS PROCEDURE



Or you may use e-mail customersupportaxa-travel-insurancecom

or telephone +44 (0)203 285 7996





USE OF YOUR PERSONAL DATA

You agree that we may

(a) disclose and use information about you and your insurance cover ndash including information relating to your medical status and health ndash to companies within the AXA Assistance Group of companies worldwide our partners service providers and agents in order to administer and service your insurance cover process and collect relevant payments on it for fraud prevention and to manage the insurance products which you have purchased

(b) undertake all of the above within and outside the European Union (EU) This includes storing and processing your information (which may include sensitive medical and personal information about you) in countries in which data protection laws are not as comprehensive as in the EU However we have taken appropriate steps to ensure the same (or equivalent) level of protection for your information where we store and process it in those other countries as there is in the EU and

47

(c) monitor andor record your telephone calls in relation to cover to ensure consistent servicing levels and account operation

We use advanced technology and well defined employee practices to help ensure that your information is processed promptly accurately and completely and in accordance with applicable data protection law

If you want to know what information is held about you by the AXA Assistance Group please write to

AXA Travel Insurance Limited Data Protection Officer The Quadrangle 106-118 Station Road Redhill Surrey RH1 1PR

There may be a charge for this service as permitted by law Any information which is found to be incorrect will be corrected promptly

48

Section 6 ndash Barclays Visa Infinite Concierge TermsProvided by WhiteConciergeConcierge Anywhere

Whether yoursquore in the office or on the move Barclays Visa Infinite Concierge is always there with you enabling you to discover local delights plan a special event or arrange a gift or bouquet of flowers

The Concierge team is available 24 hours a day 365 days a year The multi-lingual experts have the knowledge and experience to help you with complex requests and simple bookings

Please note You do not have to pay anything extra to call Barclays Visa Infinite Concierge Itrsquos included with your Visa Infinite card You will have to pay for any costs arising by using the service

EntertainingEver been frustrated when trying to book theatre tickets Or needed a last-minute weekend tee-off time

Whether yoursquore making the most of your free time or planning to impress a potential new client Barclays Visa Infinite Concierge provides a range of services aimed at delivering you unforgettable dining sporting and entertainment experiences

We can book your tickets for the latest plays and concerts reserve tables at the hottest new restaurants and secure tee-off times at top golf clubs around the globe

LifestyleServices to delight and assist day-in day-out

At Barclays Visa Infinite Concierge we understand that time is a commodity most of us would desire to possess in abundance however we are all guilty of forgetting important dates or finding we are lsquotoo busyrsquo to keep our commitments

Designed to combat the symptoms of a hectic lifestyle our services are there to give you an extra pair of hands whether itrsquos hiring a personal shopper running an errand or providing a reminder service allow us help you save more time

Emergency AssistanceWith Barclays Visa Infinite Concierge yoursquoll never feel like yoursquore alone should the worst happen

We are prepared for any eventuality and have the experience and resources to assist you should you find yourself in a sticky situation

So whether yoursquore travelling abroad locked out of your home or had your phone stolen ndash remember wersquore here to help 24 hours a day 365 days a year ndash anywhere in the world

49

Section 7 ndash Airport Angel Terms and Conditions

These are the Terms and Conditions of your Airport Angel membership which you are entitled to receive as a holder of a Barclays Visa Infinite Card

A) Definitions

Airport Angel means your airport lounge access service described in these Terms and Conditions

Card means the Barclays Visa Infinite Card

Cardholder means the individual who is the holder of the Card and is eligible for Airport Angel Membership as a feature of such Card

Membership means your Airport Angel membership which entitles you to use Airport Angel

weusour means CPP Travel Services Limited

Website means the website at wwwairportangelcoukbarclaysvisa

youyour means the Cardholder

B) Information about us

Airport Angel is provided by CPP Travel Services Limited a company registered in England and Wales at Companies House Our registered office is Holgate Park Holgate Road York YO26 4GA and our registered number is 02389644

Airport Angel is subject to these terms and conditions It is important that you read each section of these terms and conditions carefully to understand the features and conditions of Airport Angel You may have other rights granted to you by law in addition to those set out in these terms and conditions which we may not exclude Where appropriate we have set out your rights under these laws These terms and conditions do not affect those other rights granted by law

By using Airport Angel you confirm that you have accepted these Terms and Conditions

Changes to these Terms and ConditionsWe have the right to revise and amend these Terms and Conditions from time to time including to reflect changes in market conditions affecting our business changes in technology and changes in payment methods We may also revise and amend these Terms and Conditions from time to time if required by law or government or regulatory authority You will be subject to the Terms and Conditions in force at the time that you become eligible for your Membership unless any changes are made in accordance with these Terms and Conditions We will give you prior notice of any changes to these terms and conditions and we will send you an updated set of terms and conditions in the event that these are varied

C) Membership

Your Membership entitles you along with up to five guests (comprising one adult and up to four children under the age of 18) to free visits to airport lounges that have agreed to participate in the Airport Angel airport lounge access programme and which have a web portal or web terminal which enables you to use your Card to access the lounge Details of participating lounges may be accessed using the search facility on the Website

For each additional accompanying guest that you bring outside your entitlement a fee of pound15 per guest will be payable by you and will be charged to your Card after your visit We reserve the right to vary our fees from time to time You will be notified in advance of any changes that will apply to your Membership

50

By incurring any such charges you are authorising us to charge your Card in respect of Airport Angel services in accordance with these Terms and Conditions Charges will be made directly to your Card within 72 hours of a visit to an airport lounge which incurs a charge

At the point of entry into a participating airport lounge your Card will be validated with your issuing bank If your Card is declined you will be refused entry to the airport lounge and you will need to contact Barclays on the number detailed on the back of your Card

D) AIRPORT ANGEL

Airport lounge accessYour Membership entitles you to access to airport lounges that have agreed to participate in the Airport Angel lounge access programme and which have a web portal or web terminal which enables you to use your Card to access the lounge

The following Terms and Conditions apply to your use of the airport lounges

bull Entry to a participating lounge will only be granted upon presentation of your passport a valid flight ticket and boarding pass for the same day of travel a valid Card and payment through your Card if applicable Other forms of payment will not be accepted as a substitute

bull All participating lounges are owned and operated by third party organisations You and your guests must abide by the rules and policies of each participating lounge and any Terms and Conditions set out by a particular lounge which are available direct from the lounge Any lounge users not complying with those terms may be asked to vacate the lounge facilities

bull Lounge staff will take your Card details to log and record your entry Where requested you must sign the log and confirm the number of guests accompanying you if any The charge per visit if applicable for guests accompanying you will be based on the log submitted by the lounge operator

bull Access to participating lounges may be restricted due to space constraints but this will be at the discretion of each individual lounge operator Some lounges may reserve the right to enforce a maximum stay policy (which is usually 3-4 hours) to prevent overcrowding This is at the discretion of the individual lounge operator who may impose a charge for extended stays We are not responsible for any such charges that you may incur

bull Some lounges in Europe are located within designated Schengen areas of the airport which means that access is only provided to these lounges if you are travelling between the following countries Austria Belgium Czech Republic Denmark Estonia Finland France Germany Greece Hungary Iceland Italy Latvia Lithuania Luxembourg Malta the Netherlands Norway Poland Portugal Slovakia Slovenia Spain Sweden and Switzerland

bull We will do our best to ensure that the benefits and facilities of participating lounges are available as advertised but we cannot guarantee availability at the time of your visit We have no control over nor responsibility for the facilities offered the openingclosing times or the personnel employed by the participating lounges We cannot be held liable for any loss to you or any guests accompanying you arising from the provision or non-provision (whether in whole or in part) of any of the advertised benefits and facilities

bull Please note that the lounge operator may charge you for using some of their facilities (please refer to the Website and to the individual lounge details at the relevant airport for details) We are not responsible for any such charges that you may incur

bull Airline airport and other travel industry employees travelling on reduced-rate tickets may not be eligible for the airport lounge access service Please refer to the individual rules of each participating lounge

bull Any guests accompanying you must be able to present a valid flight ticket and boarding pass for the same day of travel to gain entry to a participating lounge

bull The number of guests that you may bring with you is at the discretion of each lounge operator and some lounges may not admit children Please see the individual lounges descriptions available on the Website for details

bull Whilst it is the responsibility of the lounge staff to ensure the correct information is taken from the Card or that a log is made you are responsible for ensuring the log correctly reflects your own usage and that of any guests at the time of using the lounge Discrepancies relating to the number of guests stated cannot be settled once you have left the lounge

51

E) General conditions

If you have any queries about your Membership you can contact us on +44 (0)20 7108 6217 (lines open 24 hours a day 7 days a week) If you change your name or address or if you lose your Card or it is stolen you must tell us as soon as reasonably practical by calling the number set out above

F) Your membership term and termination

Your entitlement to Airport Angel Membership continues while you hold and are eligible for this as a feature of your Card

You have a right to cancel your Membership at any time by contacting us If you decide to cancel please call us or write to us using our contact information set out in Section B above

We will cancel your Membership if

bull we receive notification that you no longer hold the Card or

bull we do not receive on the date it is due payment for any visits which incur a charge in accordance with these Terms and Conditions We may subsequently reinstate your Membership if we later receive payment for this or

bull you are found to be in material breach of these Terms and Conditions or if you have at any time used your Membership dishonestly or agreed to help anyone try to use your Membership dishonestly

In the event that your Membership is cancelled you will not be eligible to access the airport lounges using your Card from such cancellation date Any subsequent lounge visits made including with any accompanying guests will be chargeable to you in accordance with these Terms and Conditions In the event that we are unable to collect payment from your Card we may pursue legal action to recover any owed monies

G) Transfer of rights and obligations

Your Membership is non-transferable this means that only the Cardholder is eligible for the Membership

H) Our liability to you

Nothing in these Terms and Conditions shall exclude our liability (if any) to you for

bull personal injury or death resulting from our negligence

bull fraud or fraudulent misrepresentation

bull any matter for which it would be illegal for us to exclude or attempt to exclude our liability

Subject to the above

bull we accept no liability for any damage or loss caused to you where such damage or loss is not reasonably foreseeable to you and us when you agree to these Terms and Conditions including where the damage or loss results from our breach of these Terms and Conditions and including in respect of loss or damage arising from the use of or inability to use any aspect of the Airport Angel services for whatever reason

bull we make no warranties express or implied as to the results to be obtained from any person from the use of Airport Angel

bull we are not responsible for any delay or failure to comply with our obligations under these Terms and Conditions if the delay or failure arises out of any event which is beyond our reasonable control Such events shall include any act event non-happening omission or accident beyond our reasonable control

bull we accept no liability for any damage or loss caused to you where a lounge operator has refused admission or asked you andor any guests to leave because you andor guests have not complied with its conditions and

bull we are not responsible for any disputes that may occur between you andor any guests and a lounge operator which are not in relation to your Membership All disputes must be settled directly with the lounge in question

It is your responsibility to be aware of and on time for flight times boarding gates and any other secondary information related to their flight Participating lounges have no contractual commitment to announce flights and we are not liable for any loss resulting from you andor any accompanying guests failing to board their flights

I) Waiver of Terms and Conditions

If we choose not to enforce a term or condition contained in these Terms and Conditions this will not prevent us from relying on that term or condition in the future

J) Complaints

If you want to make a complaint please call us or write to us using our contact information set out in Section B above

We will do our best to answer your query within five working days If no reply has been sent by then you will be sent an acknowledgement letter to keep you informed of progress

K) Applicable law

These Terms and Conditions are governed by and must be interpreted in accordance with the laws of England and Wales or unless you and we agree otherwise These Terms and Conditions and all communications between us will be conducted in the English language

L) Data protection notice ndash Your personal details

We take the privacy of our users seriously CPP Travel Services Limited is registered as a Data Controller with the Information Commissionerrsquos Office under the terms of the Data Protection Act 1998 with the registration number Z1257753 This Data Protection Notice sets out how we use and protect any personal information that you give us If you have any questions about this policy please contact us at UK Compliance Team CPP Travel Services Ltd Holgate Park York YO26 4GA

What information do we collectWe will collect certain information from you in order to

bull provide Airport Angel to you

bull collect payments from you when due and

bull to contact you regarding any specific enquiry you make

We may collect the following information

bull your name and contact information (including e-mail address and mobile phone number) and any other details you provide to us

bull information that you provide by filling in account registration forms or using other facilities provided through our Website This includes information provided at the time of subscribing to any services or requesting further services and

bull records of any correspondence when you contact us

52

53

What do we do with the information we collectWe use this information to provide you with a better service and in particular for the following reasons

bull to facilitate use of the services we may provide to you

bull internal record keeping

bull to improve our products and services

bull to communicate with you by e-mail telephone or post if you have ordered or purchased services from us either regarding the order or purchase or other matters regarding transactions between us or your customer relationship or account (if you have one) with us

bull to process payments

bull to contact you for market research purposes if you have not objected to such use Please note that you can object to the use of your data for market research purposes at any time To do so please contact us via the contact details set out above to let us know and

bull to complete surveys that we use for research purposes although you do not have to respond to them

Whom do we share this information withYour personal information will be used for the above purposes by relevant staff in CPP and by those who support them in their roles It will also be made available to our authorised service providers which perform certain services on our behalf eg providing IT support and maintenance providing hosting services and providing online payment services These service providers may have access to personal information needed to perform their functions on our behalf but are not permitted to share or to use such information for any other purpose CPP may also share limited personal information with other companies within the CPP Group Plc group of companies eg to the extent needed for proper management and parental analysis and decision making

CPP may also disclose your personal data

bull in response to a court order or a request for cooperation from a law enforcement or other government agency to establish or exercise its legal rights to defend legal claims or as otherwise required or permitted by applicable laws andor regulations

bull when CPP believes that disclosure is appropriate in connection with efforts to investigate prevent or take action regarding illegal activity suspected fraud or other wrongdoing to protect and defend the rights property or safety of CPP its customers staff suppliers or others to comply with applicable law or co-operate with law enforcement or to enforce its terms or other agreements

bull to prospective or actual buyers in the event that CPP sells or buys any of its business or assets

We will not transfer disclose sell distribute or lease your personal information to third parties unless we have your permission to do so or are otherwise required or permitted to do so by law

Will my personal data be transferred abroadEuropean privacy law permits the export of personal data to other countries subject to the provision of adequate levels of protection for the processing of such personal data We will ensure that transfers outside the European Economic Area (EEA) are subject to adequate safeguard as data protection standards in those countries may differ from those in the EEA

If we transfer your personal information to a person company office branch organisation service provider or agent in another country we will make sure that we have appropriate security and privacy measures in place with such third parties covering how they hold and maintain any personal information on our behalf

How to get copies of or amend the information we have collectedYou may request details of personal information which we hold about you under the Data Protection Act 1998 at any time A small fee will be payable If you would like a copy of the information held on you please write to us at The Compliance Manager CPP Travel Services Limited Holgate Park York YO26 4GA

If you think any information we have about you is incorrect or incomplete please contact us using the information set out in Section B above as soon as possible We will correct or update any information as soon as possible

54

Section 8 ndash Visa Infinite Private Travel Planner Service

Your Barclays Visa Infinite Card provides you with Visa Infinite Private Travel Planner a service allowing you to enjoy your leisure time without having to deal with the detail

Wherever your destination tap into our travel planning service Available for unlimited usage to both you and your additional cardholders this exclusive service is provided by Visa Infinite Private Travel Planner travel experts with a global network of contacts

From flights and hotel bookings to inspirational ideas and unrivalled local knowledge your personal Visa Infinite Private Travel Planner will provide you with a personal and tailored service before during and after your travel and handle the entire process on your behalf from recommendation to reservation

The service grows with you as you use it ndash logging your individual preferences (for example windowaisle seat garden or sea view room) so you never need to ask again To plan your first itinerary ndash or for the inside track on where is hot and happening ndash call your Visa Infinite Private Travel Planner on +44 (0)1733 862140

We are committed to providing equal access to our services for all clients with disabilities If you would like this document in Braille large print or audio please contact us on 0800 400 100 (via TextDirect if appropriate) If outside the UK please call +44(0)1624 684 444

Lines are open 8am to 8pm UK time Monday to Friday and 9am to 5pm UK time Saturday and UK bank holidays Calls to 0800 numbers are free if made from a UK landline

Lines are open 8am to 6pm UK time Monday to Friday excluding UK bank holidays

Call costs may vary ndash please check with your telecoms provider Calls may be recorded so that we can monitor the quality of our service and for security purposes

Barclays offers wealth and investment management products and services to its clients through Barclays Bank PLC and its subsidiary companies

Barclays Bank PLC is registered in England and is authorised and regulated by the Financial Services Authority Registered No 1026167 Registered Office 1 Churchill Place London E14 5HP

Barclays Bank PLC is regulated by the Jersey Financial Services Commission Barclays Bank PLC Jersey Branch has its principal business address in Jersey at 13 Library Place St Helier Jersey JE4 8NE Channel Islands

Item Ref IBIM0279 February 2013

2

Contents Page

Section 1 3

Pre-Contract Credit Information (SECCI)

Section 2 6

Important Points about your Barclays Visa

Infinite Card

Section 3 7

Credit Agreement (Customer copy)

Section 4 14

AXA Travel Insurance summary

Section 5 19

AXA Travel Insurance - full benefit schedule

Section 6 48

Barclays Visa Infinite Concierge

Section 7 49

Airport Angel Airport Lounge Access

Section 8 54

Visa Infinite Private Travel Planner Service

3


1 Contact details










Repayments















Related costs



4






















5












6

Section 2












7
















8



















9

















10






















11







(ii) technology











11 General





12







13 Complaints




About us


Responsible lending







13








14



Insurer








Conditions





15
















euro 10000














euro 10000000
















































16




















Green Fees euro 250




















General Exclusions












17





























18



Cancellation


Claim notification











or telephone +44 (0)203 285 7996







19


BENEFIT TABLE













euro 10000














euro 10000000















































20



















Green Fees euro 250















IMPORTANT NOTICE






INTRODUCTION




ELIGIBILITY





21

INSURER DETAILS









CONTENTS


22

DEFINITIONS







426087)





during any trip











incident





23
























24




















or vehicle





25

GENERAL CONDITIONS








CLAIMS CONDITIONS












26










FRAUD












27

AUSTRALIA



(not hospitals)




GENERAL EXCLUSIONS












28






29



Abseiling

Archery

Badminton

Baseball

Basketball

Bowling

Camel Riding



Cricket


Elephant Riding

Fell running

Fencing

Fishing

Football

Glacier Skiing

Go- Karting

Golf

Hockey

Horse Riding

Horse Trekking

Hot air ballooning


Jet Biking

Jet Skiing

Kitesurfing

Monoskiing


Netball

Orienteering

Paintball

Pony Trekking

Racquetball

Road Cycling

Roller skating

Rounders

Running





Ski touring

Skidoo


Snowblading


Snowshoeing

Squash

Surfing

Table Tennis

Tennis

Tobogganing

Trampolining


Volleyball

War games

Water polo

Water Skiing

Wind Surfing



Zorbing


30


WHAT IS COVERED








WHAT IS COVERED







WHAT IS NOT COVERED




WHAT IS COVERED






(a) you





31





SPECIAL CONDITIONS





WHAT IS NOT COVERED









WHAT IS COVERED





32

SPECIAL CONDITIONS






WHAT IS NOT COVERED









WHAT IS COVERED


(a) strike or







33

SPECIAL CONDITIONS






WHAT IS NOT COVERED






WHAT IS COVERED

BAGGAGE DELAY





SPECIAL CONDITIONS




WHAT IS NOT COVERED



WHAT IS COVERED

DENIAL OF BOARDING




34

SPECIAL CONDITIONS



WHAT IS NOT COVERED





WHAT IS COVERED










35

SPECIAL CONDITIONS






WHAT IS NOT COVERED














WHAT IS COVERED


SPECIAL CONDITIONS


36

WHAT IS NOT COVERED









WHAT IS COVERED


WHAT IS NOT COVERED











WHAT IS COVERED

BAGGAGE



37

PERSONAL MONEY



PASSPORT


SPECIAL CONDITIONS











WHAT IS NOT COVERED








38












or foot




WHAT IS COVERED


SPECIAL CONDITIONS


PROVISIONS





WHAT IS NOT COVERED



WHAT IS COVERED


39




SPECIAL CONDITIONS






WHAT IS NOT COVERED









WHAT IS COVERED




SPECIAL CONDITIONS



40






WHAT IS NOT COVERED













WHAT IS COVERED


SPECIAL CONDITIONS



WHAT IS NOT COVERED


41


WHAT IS COVERED



WHAT IS COVERED

Business Equipment




1 You die




SPECIAL CONDITIONS



WHAT IS NOT COVERED









WHAT IS COVERED

SKI EQUIPMENT


42

SKI EQUIPMENT HIRE


SPECIAL CONDITIONS



WHAT IS NOT COVERED


SKI PACK




SPECIAL CONDITIONS


WHAT IS NOT COVERED


PISTE CLOSURE



SPECIAL CONDITIONS



AVALANCHE CLOSURE


SPECIAL CONDITIONS



43


WHAT IS COVERED

GOLF EQUIPMENT


SPECIAL CONDITIONS


WHAT IS NOT COVERED





GREEN FEES




SPECIAL CONDITIONS



HOLE IN ONE BENEFIT


SPECIAL CONDITIONS





WHAT IS COVERED





44





SPECIAL CONDITIONS



WHAT IS NOT COVERED




WHAT IS COVERED


SPECIAL CONDITIONS





WHAT IS NOT COVERED









45

WHAT IS COVERED


SPECIAL CONDITIONS








WHAT IS NOT COVERED

















46















or telephone +44 (0)203 285 7996









47






48














49



A) Definitions













C) Membership



50



D) AIRPORT ANGEL














51



























J) Complaints



K) Applicable law












52

53



















54














3


1 Contact details










Repayments















Related costs



4






















5












6

Section 2












7
















8



















9

















10






















11







(ii) technology











11 General





12







13 Complaints




About us


Responsible lending







13








14



Insurer








Conditions





15
















euro 10000














euro 10000000
















































16




















Green Fees euro 250




















General Exclusions












17





























18



Cancellation


Claim notification











or telephone +44 (0)203 285 7996







19


BENEFIT TABLE













euro 10000














euro 10000000















































20



















Green Fees euro 250















IMPORTANT NOTICE






INTRODUCTION




ELIGIBILITY





21

INSURER DETAILS









CONTENTS


22

DEFINITIONS







426087)





during any trip











incident





23
























24




















or vehicle





25

GENERAL CONDITIONS








CLAIMS CONDITIONS












26










FRAUD












27

AUSTRALIA



(not hospitals)




GENERAL EXCLUSIONS












28






29



Abseiling

Archery

Badminton

Baseball

Basketball

Bowling

Camel Riding



Cricket


Elephant Riding

Fell running

Fencing

Fishing

Football

Glacier Skiing

Go- Karting

Golf

Hockey

Horse Riding

Horse Trekking

Hot air ballooning


Jet Biking

Jet Skiing

Kitesurfing

Monoskiing


Netball

Orienteering

Paintball

Pony Trekking

Racquetball

Road Cycling

Roller skating

Rounders

Running





Ski touring

Skidoo


Snowblading


Snowshoeing

Squash

Surfing

Table Tennis

Tennis

Tobogganing

Trampolining


Volleyball

War games

Water polo

Water Skiing

Wind Surfing



Zorbing


30


WHAT IS COVERED








WHAT IS COVERED







WHAT IS NOT COVERED




WHAT IS COVERED






(a) you





31





SPECIAL CONDITIONS





WHAT IS NOT COVERED









WHAT IS COVERED





32

SPECIAL CONDITIONS






WHAT IS NOT COVERED









WHAT IS COVERED


(a) strike or







33

SPECIAL CONDITIONS






WHAT IS NOT COVERED






WHAT IS COVERED

BAGGAGE DELAY





SPECIAL CONDITIONS




WHAT IS NOT COVERED



WHAT IS COVERED

DENIAL OF BOARDING




34

SPECIAL CONDITIONS



WHAT IS NOT COVERED





WHAT IS COVERED










35

SPECIAL CONDITIONS






WHAT IS NOT COVERED














WHAT IS COVERED


SPECIAL CONDITIONS


36

WHAT IS NOT COVERED









WHAT IS COVERED


WHAT IS NOT COVERED











WHAT IS COVERED

BAGGAGE



37

PERSONAL MONEY



PASSPORT


SPECIAL CONDITIONS











WHAT IS NOT COVERED








38












or foot




WHAT IS COVERED


SPECIAL CONDITIONS


PROVISIONS





WHAT IS NOT COVERED



WHAT IS COVERED


39




SPECIAL CONDITIONS






WHAT IS NOT COVERED









WHAT IS COVERED




SPECIAL CONDITIONS



40






WHAT IS NOT COVERED













WHAT IS COVERED


SPECIAL CONDITIONS



WHAT IS NOT COVERED


41


WHAT IS COVERED



WHAT IS COVERED

Business Equipment




1 You die




SPECIAL CONDITIONS



WHAT IS NOT COVERED









WHAT IS COVERED

SKI EQUIPMENT


42

SKI EQUIPMENT HIRE


SPECIAL CONDITIONS



WHAT IS NOT COVERED


SKI PACK




SPECIAL CONDITIONS


WHAT IS NOT COVERED


PISTE CLOSURE



SPECIAL CONDITIONS



AVALANCHE CLOSURE


SPECIAL CONDITIONS



43


WHAT IS COVERED

GOLF EQUIPMENT


SPECIAL CONDITIONS


WHAT IS NOT COVERED





GREEN FEES




SPECIAL CONDITIONS



HOLE IN ONE BENEFIT


SPECIAL CONDITIONS





WHAT IS COVERED





44





SPECIAL CONDITIONS



WHAT IS NOT COVERED




WHAT IS COVERED


SPECIAL CONDITIONS





WHAT IS NOT COVERED









45

WHAT IS COVERED


SPECIAL CONDITIONS








WHAT IS NOT COVERED

















46















or telephone +44 (0)203 285 7996









47






48














49



A) Definitions













C) Membership



50



D) AIRPORT ANGEL














51



























J) Complaints



K) Applicable law












52

53



















54














4






















5












6

Section 2












7
















8



















9

















10






















11







(ii) technology











11 General





12







13 Complaints




About us


Responsible lending







13








14



Insurer








Conditions





15
















euro 10000














euro 10000000
















































16




















Green Fees euro 250




















General Exclusions












17





























18



Cancellation


Claim notification











or telephone +44 (0)203 285 7996







19


BENEFIT TABLE













euro 10000














euro 10000000















































20



















Green Fees euro 250















IMPORTANT NOTICE






INTRODUCTION




ELIGIBILITY





21

INSURER DETAILS









CONTENTS


22

DEFINITIONS







426087)





during any trip











incident





23
























24




















or vehicle





25

GENERAL CONDITIONS








CLAIMS CONDITIONS












26










FRAUD












27

AUSTRALIA



(not hospitals)




GENERAL EXCLUSIONS












28






29



Abseiling

Archery

Badminton

Baseball

Basketball

Bowling

Camel Riding



Cricket


Elephant Riding

Fell running

Fencing

Fishing

Football

Glacier Skiing

Go- Karting

Golf

Hockey

Horse Riding

Horse Trekking

Hot air ballooning


Jet Biking

Jet Skiing

Kitesurfing

Monoskiing


Netball

Orienteering

Paintball

Pony Trekking

Racquetball

Road Cycling

Roller skating

Rounders

Running





Ski touring

Skidoo


Snowblading


Snowshoeing

Squash

Surfing

Table Tennis

Tennis

Tobogganing

Trampolining


Volleyball

War games

Water polo

Water Skiing

Wind Surfing



Zorbing


30


WHAT IS COVERED








WHAT IS COVERED







WHAT IS NOT COVERED




WHAT IS COVERED






(a) you





31





SPECIAL CONDITIONS





WHAT IS NOT COVERED









WHAT IS COVERED





32

SPECIAL CONDITIONS






WHAT IS NOT COVERED









WHAT IS COVERED


(a) strike or







33

SPECIAL CONDITIONS






WHAT IS NOT COVERED






WHAT IS COVERED

BAGGAGE DELAY





SPECIAL CONDITIONS




WHAT IS NOT COVERED



WHAT IS COVERED

DENIAL OF BOARDING




34

SPECIAL CONDITIONS



WHAT IS NOT COVERED





WHAT IS COVERED










35

SPECIAL CONDITIONS






WHAT IS NOT COVERED














WHAT IS COVERED


SPECIAL CONDITIONS


36

WHAT IS NOT COVERED









WHAT IS COVERED


WHAT IS NOT COVERED











WHAT IS COVERED

BAGGAGE



37

PERSONAL MONEY



PASSPORT


SPECIAL CONDITIONS











WHAT IS NOT COVERED








38












or foot




WHAT IS COVERED


SPECIAL CONDITIONS


PROVISIONS





WHAT IS NOT COVERED



WHAT IS COVERED


39




SPECIAL CONDITIONS






WHAT IS NOT COVERED









WHAT IS COVERED




SPECIAL CONDITIONS



40






WHAT IS NOT COVERED













WHAT IS COVERED


SPECIAL CONDITIONS



WHAT IS NOT COVERED


41


WHAT IS COVERED



WHAT IS COVERED

Business Equipment




1 You die




SPECIAL CONDITIONS



WHAT IS NOT COVERED









WHAT IS COVERED

SKI EQUIPMENT


42

SKI EQUIPMENT HIRE


SPECIAL CONDITIONS



WHAT IS NOT COVERED


SKI PACK




SPECIAL CONDITIONS


WHAT IS NOT COVERED


PISTE CLOSURE



SPECIAL CONDITIONS



AVALANCHE CLOSURE


SPECIAL CONDITIONS



43


WHAT IS COVERED

GOLF EQUIPMENT


SPECIAL CONDITIONS


WHAT IS NOT COVERED





GREEN FEES




SPECIAL CONDITIONS



HOLE IN ONE BENEFIT


SPECIAL CONDITIONS





WHAT IS COVERED





44





SPECIAL CONDITIONS



WHAT IS NOT COVERED




WHAT IS COVERED


SPECIAL CONDITIONS





WHAT IS NOT COVERED









45

WHAT IS COVERED


SPECIAL CONDITIONS








WHAT IS NOT COVERED

















46















or telephone +44 (0)203 285 7996









47






48














49



A) Definitions













C) Membership



50



D) AIRPORT ANGEL














51



























J) Complaints



K) Applicable law












52

53



















54














5












6

Section 2












7
















8



















9

















10






















11







(ii) technology











11 General





12







13 Complaints




About us


Responsible lending







13








14



Insurer








Conditions





15
















euro 10000














euro 10000000
















































16




















Green Fees euro 250




















General Exclusions












17





























18



Cancellation


Claim notification











or telephone +44 (0)203 285 7996







19


BENEFIT TABLE













euro 10000














euro 10000000















































20



















Green Fees euro 250















IMPORTANT NOTICE






INTRODUCTION




ELIGIBILITY





21

INSURER DETAILS









CONTENTS


22

DEFINITIONS







426087)





during any trip











incident





23
























24




















or vehicle





25

GENERAL CONDITIONS








CLAIMS CONDITIONS












26










FRAUD












27

AUSTRALIA



(not hospitals)




GENERAL EXCLUSIONS












28






29



Abseiling

Archery

Badminton

Baseball

Basketball

Bowling

Camel Riding



Cricket


Elephant Riding

Fell running

Fencing

Fishing

Football

Glacier Skiing

Go- Karting

Golf

Hockey

Horse Riding

Horse Trekking

Hot air ballooning


Jet Biking

Jet Skiing

Kitesurfing

Monoskiing


Netball

Orienteering

Paintball

Pony Trekking

Racquetball

Road Cycling

Roller skating

Rounders

Running





Ski touring

Skidoo


Snowblading


Snowshoeing

Squash

Surfing

Table Tennis

Tennis

Tobogganing

Trampolining


Volleyball

War games

Water polo

Water Skiing

Wind Surfing



Zorbing


30


WHAT IS COVERED








WHAT IS COVERED







WHAT IS NOT COVERED




WHAT IS COVERED






(a) you





31





SPECIAL CONDITIONS





WHAT IS NOT COVERED









WHAT IS COVERED





32

SPECIAL CONDITIONS






WHAT IS NOT COVERED









WHAT IS COVERED


(a) strike or







33

SPECIAL CONDITIONS






WHAT IS NOT COVERED






WHAT IS COVERED

BAGGAGE DELAY





SPECIAL CONDITIONS




WHAT IS NOT COVERED



WHAT IS COVERED

DENIAL OF BOARDING




34

SPECIAL CONDITIONS



WHAT IS NOT COVERED





WHAT IS COVERED










35

SPECIAL CONDITIONS






WHAT IS NOT COVERED














WHAT IS COVERED


SPECIAL CONDITIONS


36

WHAT IS NOT COVERED









WHAT IS COVERED


WHAT IS NOT COVERED











WHAT IS COVERED

BAGGAGE



37

PERSONAL MONEY



PASSPORT


SPECIAL CONDITIONS











WHAT IS NOT COVERED








38












or foot




WHAT IS COVERED


SPECIAL CONDITIONS


PROVISIONS





WHAT IS NOT COVERED



WHAT IS COVERED


39




SPECIAL CONDITIONS






WHAT IS NOT COVERED









WHAT IS COVERED




SPECIAL CONDITIONS



40






WHAT IS NOT COVERED













WHAT IS COVERED


SPECIAL CONDITIONS



WHAT IS NOT COVERED


41


WHAT IS COVERED



WHAT IS COVERED

Business Equipment




1 You die




SPECIAL CONDITIONS



WHAT IS NOT COVERED









WHAT IS COVERED

SKI EQUIPMENT


42

SKI EQUIPMENT HIRE


SPECIAL CONDITIONS



WHAT IS NOT COVERED


SKI PACK




SPECIAL CONDITIONS


WHAT IS NOT COVERED


PISTE CLOSURE



SPECIAL CONDITIONS



AVALANCHE CLOSURE


SPECIAL CONDITIONS



43


WHAT IS COVERED

GOLF EQUIPMENT


SPECIAL CONDITIONS


WHAT IS NOT COVERED





GREEN FEES




SPECIAL CONDITIONS



HOLE IN ONE BENEFIT


SPECIAL CONDITIONS





WHAT IS COVERED





44





SPECIAL CONDITIONS



WHAT IS NOT COVERED




WHAT IS COVERED


SPECIAL CONDITIONS





WHAT IS NOT COVERED









45

WHAT IS COVERED


SPECIAL CONDITIONS








WHAT IS NOT COVERED

















46















or telephone +44 (0)203 285 7996









47






48














49



A) Definitions













C) Membership



50



D) AIRPORT ANGEL














51



























J) Complaints



K) Applicable law












52

53



















54














6

Section 2












7
















8



















9

















10






















11







(ii) technology











11 General





12







13 Complaints




About us


Responsible lending







13








14



Insurer








Conditions





15
















euro 10000














euro 10000000
















































16




















Green Fees euro 250




















General Exclusions












17





























18



Cancellation


Claim notification











or telephone +44 (0)203 285 7996







19


BENEFIT TABLE













euro 10000














euro 10000000















































20



















Green Fees euro 250















IMPORTANT NOTICE






INTRODUCTION




ELIGIBILITY





21

INSURER DETAILS









CONTENTS


22

DEFINITIONS







426087)





during any trip











incident





23
























24




















or vehicle





25

GENERAL CONDITIONS








CLAIMS CONDITIONS












26










FRAUD












27

AUSTRALIA



(not hospitals)




GENERAL EXCLUSIONS












28






29



Abseiling

Archery

Badminton

Baseball

Basketball

Bowling

Camel Riding



Cricket


Elephant Riding

Fell running

Fencing

Fishing

Football

Glacier Skiing

Go- Karting

Golf

Hockey

Horse Riding

Horse Trekking

Hot air ballooning


Jet Biking

Jet Skiing

Kitesurfing

Monoskiing


Netball

Orienteering

Paintball

Pony Trekking

Racquetball

Road Cycling

Roller skating

Rounders

Running





Ski touring

Skidoo


Snowblading


Snowshoeing

Squash

Surfing

Table Tennis

Tennis

Tobogganing

Trampolining


Volleyball

War games

Water polo

Water Skiing

Wind Surfing



Zorbing


30


WHAT IS COVERED








WHAT IS COVERED







WHAT IS NOT COVERED




WHAT IS COVERED






(a) you





31





SPECIAL CONDITIONS





WHAT IS NOT COVERED









WHAT IS COVERED





32

SPECIAL CONDITIONS






WHAT IS NOT COVERED









WHAT IS COVERED


(a) strike or







33

SPECIAL CONDITIONS






WHAT IS NOT COVERED






WHAT IS COVERED

BAGGAGE DELAY





SPECIAL CONDITIONS




WHAT IS NOT COVERED



WHAT IS COVERED

DENIAL OF BOARDING




34

SPECIAL CONDITIONS



WHAT IS NOT COVERED





WHAT IS COVERED










35

SPECIAL CONDITIONS






WHAT IS NOT COVERED














WHAT IS COVERED


SPECIAL CONDITIONS


36

WHAT IS NOT COVERED









WHAT IS COVERED


WHAT IS NOT COVERED











WHAT IS COVERED

BAGGAGE



37

PERSONAL MONEY



PASSPORT


SPECIAL CONDITIONS











WHAT IS NOT COVERED








38












or foot




WHAT IS COVERED


SPECIAL CONDITIONS


PROVISIONS





WHAT IS NOT COVERED



WHAT IS COVERED


39




SPECIAL CONDITIONS






WHAT IS NOT COVERED









WHAT IS COVERED




SPECIAL CONDITIONS



40






WHAT IS NOT COVERED













WHAT IS COVERED


SPECIAL CONDITIONS



WHAT IS NOT COVERED


41


WHAT IS COVERED



WHAT IS COVERED

Business Equipment




1 You die




SPECIAL CONDITIONS



WHAT IS NOT COVERED









WHAT IS COVERED

SKI EQUIPMENT


42

SKI EQUIPMENT HIRE


SPECIAL CONDITIONS



WHAT IS NOT COVERED


SKI PACK




SPECIAL CONDITIONS


WHAT IS NOT COVERED


PISTE CLOSURE



SPECIAL CONDITIONS



AVALANCHE CLOSURE


SPECIAL CONDITIONS



43


WHAT IS COVERED

GOLF EQUIPMENT


SPECIAL CONDITIONS


WHAT IS NOT COVERED





GREEN FEES




SPECIAL CONDITIONS



HOLE IN ONE BENEFIT


SPECIAL CONDITIONS





WHAT IS COVERED





44





SPECIAL CONDITIONS



WHAT IS NOT COVERED




WHAT IS COVERED


SPECIAL CONDITIONS





WHAT IS NOT COVERED









45

WHAT IS COVERED


SPECIAL CONDITIONS








WHAT IS NOT COVERED

















46















or telephone +44 (0)203 285 7996









47






48














49



A) Definitions













C) Membership



50



D) AIRPORT ANGEL














51



























J) Complaints



K) Applicable law












52

53



















54














7
















8



















9

















10






















11







(ii) technology











11 General





12







13 Complaints




About us


Responsible lending







13








14



Insurer








Conditions





15
















euro 10000














euro 10000000
















































16




















Green Fees euro 250




















General Exclusions












17





























18



Cancellation


Claim notification











or telephone +44 (0)203 285 7996







19


BENEFIT TABLE













euro 10000














euro 10000000















































20



















Green Fees euro 250















IMPORTANT NOTICE






INTRODUCTION




ELIGIBILITY





21

INSURER DETAILS









CONTENTS


22

DEFINITIONS







426087)





during any trip











incident





23
























24




















or vehicle





25

GENERAL CONDITIONS








CLAIMS CONDITIONS












26










FRAUD












27

AUSTRALIA



(not hospitals)




GENERAL EXCLUSIONS












28






29



Abseiling

Archery

Badminton

Baseball

Basketball

Bowling

Camel Riding



Cricket


Elephant Riding

Fell running

Fencing

Fishing

Football

Glacier Skiing

Go- Karting

Golf

Hockey

Horse Riding

Horse Trekking

Hot air ballooning


Jet Biking

Jet Skiing

Kitesurfing

Monoskiing


Netball

Orienteering

Paintball

Pony Trekking

Racquetball

Road Cycling

Roller skating

Rounders

Running





Ski touring

Skidoo


Snowblading


Snowshoeing

Squash

Surfing

Table Tennis

Tennis

Tobogganing

Trampolining


Volleyball

War games

Water polo

Water Skiing

Wind Surfing



Zorbing


30


WHAT IS COVERED








WHAT IS COVERED







WHAT IS NOT COVERED




WHAT IS COVERED






(a) you





31





SPECIAL CONDITIONS





WHAT IS NOT COVERED









WHAT IS COVERED





32

SPECIAL CONDITIONS






WHAT IS NOT COVERED









WHAT IS COVERED


(a) strike or







33

SPECIAL CONDITIONS






WHAT IS NOT COVERED






WHAT IS COVERED

BAGGAGE DELAY





SPECIAL CONDITIONS




WHAT IS NOT COVERED



WHAT IS COVERED

DENIAL OF BOARDING




34

SPECIAL CONDITIONS



WHAT IS NOT COVERED





WHAT IS COVERED










35

SPECIAL CONDITIONS






WHAT IS NOT COVERED














WHAT IS COVERED


SPECIAL CONDITIONS


36

WHAT IS NOT COVERED









WHAT IS COVERED


WHAT IS NOT COVERED











WHAT IS COVERED

BAGGAGE



37

PERSONAL MONEY



PASSPORT


SPECIAL CONDITIONS











WHAT IS NOT COVERED








38












or foot




WHAT IS COVERED


SPECIAL CONDITIONS


PROVISIONS





WHAT IS NOT COVERED



WHAT IS COVERED


39




SPECIAL CONDITIONS






WHAT IS NOT COVERED









WHAT IS COVERED




SPECIAL CONDITIONS



40






WHAT IS NOT COVERED













WHAT IS COVERED


SPECIAL CONDITIONS



WHAT IS NOT COVERED


41


WHAT IS COVERED



WHAT IS COVERED

Business Equipment




1 You die




SPECIAL CONDITIONS



WHAT IS NOT COVERED









WHAT IS COVERED

SKI EQUIPMENT


42

SKI EQUIPMENT HIRE


SPECIAL CONDITIONS



WHAT IS NOT COVERED


SKI PACK




SPECIAL CONDITIONS


WHAT IS NOT COVERED


PISTE CLOSURE



SPECIAL CONDITIONS



AVALANCHE CLOSURE


SPECIAL CONDITIONS



43


WHAT IS COVERED

GOLF EQUIPMENT


SPECIAL CONDITIONS


WHAT IS NOT COVERED





GREEN FEES




SPECIAL CONDITIONS



HOLE IN ONE BENEFIT


SPECIAL CONDITIONS





WHAT IS COVERED





44





SPECIAL CONDITIONS



WHAT IS NOT COVERED




WHAT IS COVERED


SPECIAL CONDITIONS





WHAT IS NOT COVERED









45

WHAT IS COVERED


SPECIAL CONDITIONS








WHAT IS NOT COVERED

















46















or telephone +44 (0)203 285 7996









47






48














49



A) Definitions













C) Membership



50



D) AIRPORT ANGEL














51



























J) Complaints



K) Applicable law












52

53



















54














8



















9

















10






















11







(ii) technology











11 General





12







13 Complaints




About us


Responsible lending







13








14



Insurer








Conditions





15
















euro 10000














euro 10000000
















































16




















Green Fees euro 250




















General Exclusions












17





























18



Cancellation


Claim notification











or telephone +44 (0)203 285 7996







19


BENEFIT TABLE













euro 10000














euro 10000000















































20



















Green Fees euro 250















IMPORTANT NOTICE






INTRODUCTION




ELIGIBILITY





21

INSURER DETAILS









CONTENTS


22

DEFINITIONS







426087)





during any trip











incident





23
























24




















or vehicle





25

GENERAL CONDITIONS








CLAIMS CONDITIONS












26










FRAUD












27

AUSTRALIA



(not hospitals)




GENERAL EXCLUSIONS












28






29



Abseiling

Archery

Badminton

Baseball

Basketball

Bowling

Camel Riding



Cricket


Elephant Riding

Fell running

Fencing

Fishing

Football

Glacier Skiing

Go- Karting

Golf

Hockey

Horse Riding

Horse Trekking

Hot air ballooning


Jet Biking

Jet Skiing

Kitesurfing

Monoskiing


Netball

Orienteering

Paintball

Pony Trekking

Racquetball

Road Cycling

Roller skating

Rounders

Running





Ski touring

Skidoo


Snowblading


Snowshoeing

Squash

Surfing

Table Tennis

Tennis

Tobogganing

Trampolining


Volleyball

War games

Water polo

Water Skiing

Wind Surfing



Zorbing


30


WHAT IS COVERED








WHAT IS COVERED







WHAT IS NOT COVERED




WHAT IS COVERED






(a) you





31





SPECIAL CONDITIONS





WHAT IS NOT COVERED









WHAT IS COVERED





32

SPECIAL CONDITIONS






WHAT IS NOT COVERED









WHAT IS COVERED


(a) strike or







33

SPECIAL CONDITIONS






WHAT IS NOT COVERED






WHAT IS COVERED

BAGGAGE DELAY





SPECIAL CONDITIONS




WHAT IS NOT COVERED



WHAT IS COVERED

DENIAL OF BOARDING




34

SPECIAL CONDITIONS



WHAT IS NOT COVERED





WHAT IS COVERED










35

SPECIAL CONDITIONS






WHAT IS NOT COVERED














WHAT IS COVERED


SPECIAL CONDITIONS


36

WHAT IS NOT COVERED









WHAT IS COVERED


WHAT IS NOT COVERED











WHAT IS COVERED

BAGGAGE



37

PERSONAL MONEY



PASSPORT


SPECIAL CONDITIONS











WHAT IS NOT COVERED








38












or foot




WHAT IS COVERED


SPECIAL CONDITIONS


PROVISIONS





WHAT IS NOT COVERED



WHAT IS COVERED


39




SPECIAL CONDITIONS






WHAT IS NOT COVERED









WHAT IS COVERED




SPECIAL CONDITIONS



40






WHAT IS NOT COVERED













WHAT IS COVERED


SPECIAL CONDITIONS



WHAT IS NOT COVERED


41


WHAT IS COVERED



WHAT IS COVERED

Business Equipment




1 You die




SPECIAL CONDITIONS



WHAT IS NOT COVERED









WHAT IS COVERED

SKI EQUIPMENT


42

SKI EQUIPMENT HIRE


SPECIAL CONDITIONS



WHAT IS NOT COVERED


SKI PACK




SPECIAL CONDITIONS


WHAT IS NOT COVERED


PISTE CLOSURE



SPECIAL CONDITIONS



AVALANCHE CLOSURE


SPECIAL CONDITIONS



43


WHAT IS COVERED

GOLF EQUIPMENT


SPECIAL CONDITIONS


WHAT IS NOT COVERED





GREEN FEES




SPECIAL CONDITIONS



HOLE IN ONE BENEFIT


SPECIAL CONDITIONS





WHAT IS COVERED





44





SPECIAL CONDITIONS



WHAT IS NOT COVERED




WHAT IS COVERED


SPECIAL CONDITIONS





WHAT IS NOT COVERED









45

WHAT IS COVERED


SPECIAL CONDITIONS








WHAT IS NOT COVERED

















46















or telephone +44 (0)203 285 7996









47






48














49



A) Definitions













C) Membership



50



D) AIRPORT ANGEL














51



























J) Complaints



K) Applicable law












52

53



















54














9

















10






















11







(ii) technology











11 General





12







13 Complaints




About us


Responsible lending







13








14



Insurer








Conditions





15
















euro 10000














euro 10000000
















































16




















Green Fees euro 250




















General Exclusions












17





























18



Cancellation


Claim notification











or telephone +44 (0)203 285 7996







19


BENEFIT TABLE













euro 10000














euro 10000000















































20



















Green Fees euro 250















IMPORTANT NOTICE






INTRODUCTION




ELIGIBILITY





21

INSURER DETAILS









CONTENTS


22

DEFINITIONS







426087)





during any trip











incident





23
























24




















or vehicle





25

GENERAL CONDITIONS








CLAIMS CONDITIONS












26










FRAUD












27

AUSTRALIA



(not hospitals)




GENERAL EXCLUSIONS












28






29



Abseiling

Archery

Badminton

Baseball

Basketball

Bowling

Camel Riding



Cricket


Elephant Riding

Fell running

Fencing

Fishing

Football

Glacier Skiing

Go- Karting

Golf

Hockey

Horse Riding

Horse Trekking

Hot air ballooning


Jet Biking

Jet Skiing

Kitesurfing

Monoskiing


Netball

Orienteering

Paintball

Pony Trekking

Racquetball

Road Cycling

Roller skating

Rounders

Running





Ski touring

Skidoo


Snowblading


Snowshoeing

Squash

Surfing

Table Tennis

Tennis

Tobogganing

Trampolining


Volleyball

War games

Water polo

Water Skiing

Wind Surfing



Zorbing


30


WHAT IS COVERED








WHAT IS COVERED







WHAT IS NOT COVERED




WHAT IS COVERED






(a) you





31





SPECIAL CONDITIONS





WHAT IS NOT COVERED









WHAT IS COVERED





32

SPECIAL CONDITIONS






WHAT IS NOT COVERED









WHAT IS COVERED


(a) strike or







33

SPECIAL CONDITIONS






WHAT IS NOT COVERED






WHAT IS COVERED

BAGGAGE DELAY





SPECIAL CONDITIONS




WHAT IS NOT COVERED



WHAT IS COVERED

DENIAL OF BOARDING




34

SPECIAL CONDITIONS



WHAT IS NOT COVERED





WHAT IS COVERED










35

SPECIAL CONDITIONS






WHAT IS NOT COVERED














WHAT IS COVERED


SPECIAL CONDITIONS


36

WHAT IS NOT COVERED









WHAT IS COVERED


WHAT IS NOT COVERED











WHAT IS COVERED

BAGGAGE



37

PERSONAL MONEY



PASSPORT


SPECIAL CONDITIONS











WHAT IS NOT COVERED








38












or foot




WHAT IS COVERED


SPECIAL CONDITIONS


PROVISIONS





WHAT IS NOT COVERED



WHAT IS COVERED


39




SPECIAL CONDITIONS






WHAT IS NOT COVERED









WHAT IS COVERED




SPECIAL CONDITIONS



40






WHAT IS NOT COVERED













WHAT IS COVERED


SPECIAL CONDITIONS



WHAT IS NOT COVERED


41


WHAT IS COVERED



WHAT IS COVERED

Business Equipment




1 You die




SPECIAL CONDITIONS



WHAT IS NOT COVERED









WHAT IS COVERED

SKI EQUIPMENT


42

SKI EQUIPMENT HIRE


SPECIAL CONDITIONS



WHAT IS NOT COVERED


SKI PACK




SPECIAL CONDITIONS


WHAT IS NOT COVERED


PISTE CLOSURE



SPECIAL CONDITIONS



AVALANCHE CLOSURE


SPECIAL CONDITIONS



43


WHAT IS COVERED

GOLF EQUIPMENT


SPECIAL CONDITIONS


WHAT IS NOT COVERED





GREEN FEES




SPECIAL CONDITIONS



HOLE IN ONE BENEFIT


SPECIAL CONDITIONS





WHAT IS COVERED





44





SPECIAL CONDITIONS



WHAT IS NOT COVERED




WHAT IS COVERED


SPECIAL CONDITIONS





WHAT IS NOT COVERED









45

WHAT IS COVERED


SPECIAL CONDITIONS








WHAT IS NOT COVERED

















46















or telephone +44 (0)203 285 7996









47






48














49



A) Definitions













C) Membership



50



D) AIRPORT ANGEL














51



























J) Complaints



K) Applicable law












52

53



















54














10






















11







(ii) technology











11 General





12







13 Complaints




About us


Responsible lending







13








14



Insurer








Conditions





15
















euro 10000














euro 10000000
















































16




















Green Fees euro 250




















General Exclusions












17





























18



Cancellation


Claim notification











or telephone +44 (0)203 285 7996







19


BENEFIT TABLE













euro 10000














euro 10000000















































20



















Green Fees euro 250















IMPORTANT NOTICE






INTRODUCTION




ELIGIBILITY





21

INSURER DETAILS









CONTENTS


22

DEFINITIONS







426087)





during any trip











incident





23
























24




















or vehicle





25

GENERAL CONDITIONS








CLAIMS CONDITIONS












26










FRAUD












27

AUSTRALIA



(not hospitals)




GENERAL EXCLUSIONS












28






29



Abseiling

Archery

Badminton

Baseball

Basketball

Bowling

Camel Riding



Cricket


Elephant Riding

Fell running

Fencing

Fishing

Football

Glacier Skiing

Go- Karting

Golf

Hockey

Horse Riding

Horse Trekking

Hot air ballooning


Jet Biking

Jet Skiing

Kitesurfing

Monoskiing


Netball

Orienteering

Paintball

Pony Trekking

Racquetball

Road Cycling

Roller skating

Rounders

Running





Ski touring

Skidoo


Snowblading


Snowshoeing

Squash

Surfing

Table Tennis

Tennis

Tobogganing

Trampolining


Volleyball

War games

Water polo

Water Skiing

Wind Surfing



Zorbing


30


WHAT IS COVERED








WHAT IS COVERED







WHAT IS NOT COVERED




WHAT IS COVERED






(a) you





31





SPECIAL CONDITIONS





WHAT IS NOT COVERED









WHAT IS COVERED





32

SPECIAL CONDITIONS






WHAT IS NOT COVERED









WHAT IS COVERED


(a) strike or







33

SPECIAL CONDITIONS






WHAT IS NOT COVERED






WHAT IS COVERED

BAGGAGE DELAY





SPECIAL CONDITIONS




WHAT IS NOT COVERED



WHAT IS COVERED

DENIAL OF BOARDING




34

SPECIAL CONDITIONS



WHAT IS NOT COVERED





WHAT IS COVERED










35

SPECIAL CONDITIONS






WHAT IS NOT COVERED














WHAT IS COVERED


SPECIAL CONDITIONS


36

WHAT IS NOT COVERED









WHAT IS COVERED


WHAT IS NOT COVERED











WHAT IS COVERED

BAGGAGE



37

PERSONAL MONEY



PASSPORT


SPECIAL CONDITIONS











WHAT IS NOT COVERED








38












or foot




WHAT IS COVERED


SPECIAL CONDITIONS


PROVISIONS





WHAT IS NOT COVERED



WHAT IS COVERED


39




SPECIAL CONDITIONS






WHAT IS NOT COVERED









WHAT IS COVERED




SPECIAL CONDITIONS



40






WHAT IS NOT COVERED













WHAT IS COVERED


SPECIAL CONDITIONS



WHAT IS NOT COVERED


41


WHAT IS COVERED



WHAT IS COVERED

Business Equipment




1 You die




SPECIAL CONDITIONS



WHAT IS NOT COVERED









WHAT IS COVERED

SKI EQUIPMENT


42

SKI EQUIPMENT HIRE


SPECIAL CONDITIONS



WHAT IS NOT COVERED


SKI PACK




SPECIAL CONDITIONS


WHAT IS NOT COVERED


PISTE CLOSURE



SPECIAL CONDITIONS



AVALANCHE CLOSURE


SPECIAL CONDITIONS



43


WHAT IS COVERED

GOLF EQUIPMENT


SPECIAL CONDITIONS


WHAT IS NOT COVERED





GREEN FEES




SPECIAL CONDITIONS



HOLE IN ONE BENEFIT


SPECIAL CONDITIONS





WHAT IS COVERED





44





SPECIAL CONDITIONS



WHAT IS NOT COVERED




WHAT IS COVERED


SPECIAL CONDITIONS





WHAT IS NOT COVERED









45

WHAT IS COVERED


SPECIAL CONDITIONS








WHAT IS NOT COVERED

















46















or telephone +44 (0)203 285 7996









47






48














49



A) Definitions













C) Membership



50



D) AIRPORT ANGEL














51



























J) Complaints



K) Applicable law












52

53



















54














11







(ii) technology











11 General





12







13 Complaints




About us


Responsible lending







13








14



Insurer








Conditions





15
















euro 10000














euro 10000000
















































16




















Green Fees euro 250




















General Exclusions












17





























18



Cancellation


Claim notification











or telephone +44 (0)203 285 7996







19


BENEFIT TABLE













euro 10000














euro 10000000















































20



















Green Fees euro 250















IMPORTANT NOTICE






INTRODUCTION




ELIGIBILITY





21

INSURER DETAILS









CONTENTS


22

DEFINITIONS







426087)





during any trip











incident





23
























24




















or vehicle





25

GENERAL CONDITIONS








CLAIMS CONDITIONS












26










FRAUD












27

AUSTRALIA



(not hospitals)




GENERAL EXCLUSIONS












28






29



Abseiling

Archery

Badminton

Baseball

Basketball

Bowling

Camel Riding



Cricket


Elephant Riding

Fell running

Fencing

Fishing

Football

Glacier Skiing

Go- Karting

Golf

Hockey

Horse Riding

Horse Trekking

Hot air ballooning


Jet Biking

Jet Skiing

Kitesurfing

Monoskiing


Netball

Orienteering

Paintball

Pony Trekking

Racquetball

Road Cycling

Roller skating

Rounders

Running





Ski touring

Skidoo


Snowblading


Snowshoeing

Squash

Surfing

Table Tennis

Tennis

Tobogganing

Trampolining


Volleyball

War games

Water polo

Water Skiing

Wind Surfing



Zorbing


30


WHAT IS COVERED








WHAT IS COVERED







WHAT IS NOT COVERED




WHAT IS COVERED






(a) you





31





SPECIAL CONDITIONS





WHAT IS NOT COVERED









WHAT IS COVERED





32

SPECIAL CONDITIONS






WHAT IS NOT COVERED









WHAT IS COVERED


(a) strike or







33

SPECIAL CONDITIONS






WHAT IS NOT COVERED






WHAT IS COVERED

BAGGAGE DELAY





SPECIAL CONDITIONS




WHAT IS NOT COVERED



WHAT IS COVERED

DENIAL OF BOARDING




34

SPECIAL CONDITIONS



WHAT IS NOT COVERED





WHAT IS COVERED










35

SPECIAL CONDITIONS






WHAT IS NOT COVERED














WHAT IS COVERED


SPECIAL CONDITIONS


36

WHAT IS NOT COVERED









WHAT IS COVERED


WHAT IS NOT COVERED











WHAT IS COVERED

BAGGAGE



37

PERSONAL MONEY



PASSPORT


SPECIAL CONDITIONS











WHAT IS NOT COVERED








38












or foot




WHAT IS COVERED


SPECIAL CONDITIONS


PROVISIONS





WHAT IS NOT COVERED



WHAT IS COVERED


39




SPECIAL CONDITIONS






WHAT IS NOT COVERED









WHAT IS COVERED




SPECIAL CONDITIONS



40






WHAT IS NOT COVERED













WHAT IS COVERED


SPECIAL CONDITIONS



WHAT IS NOT COVERED


41


WHAT IS COVERED



WHAT IS COVERED

Business Equipment




1 You die




SPECIAL CONDITIONS



WHAT IS NOT COVERED









WHAT IS COVERED

SKI EQUIPMENT


42

SKI EQUIPMENT HIRE


SPECIAL CONDITIONS



WHAT IS NOT COVERED


SKI PACK




SPECIAL CONDITIONS


WHAT IS NOT COVERED


PISTE CLOSURE



SPECIAL CONDITIONS



AVALANCHE CLOSURE


SPECIAL CONDITIONS



43


WHAT IS COVERED

GOLF EQUIPMENT


SPECIAL CONDITIONS


WHAT IS NOT COVERED





GREEN FEES




SPECIAL CONDITIONS



HOLE IN ONE BENEFIT


SPECIAL CONDITIONS





WHAT IS COVERED





44





SPECIAL CONDITIONS



WHAT IS NOT COVERED




WHAT IS COVERED


SPECIAL CONDITIONS





WHAT IS NOT COVERED









45

WHAT IS COVERED


SPECIAL CONDITIONS








WHAT IS NOT COVERED

















46















or telephone +44 (0)203 285 7996









47






48














49



A) Definitions













C) Membership



50



D) AIRPORT ANGEL














51



























J) Complaints



K) Applicable law












52

53



















54














12







13 Complaints




About us


Responsible lending







13








14



Insurer








Conditions





15
















euro 10000














euro 10000000
















































16




















Green Fees euro 250




















General Exclusions












17





























18



Cancellation


Claim notification











or telephone +44 (0)203 285 7996







19


BENEFIT TABLE













euro 10000














euro 10000000















































20



















Green Fees euro 250















IMPORTANT NOTICE






INTRODUCTION




ELIGIBILITY





21

INSURER DETAILS









CONTENTS


22

DEFINITIONS







426087)





during any trip











incident





23
























24




















or vehicle





25

GENERAL CONDITIONS








CLAIMS CONDITIONS












26










FRAUD












27

AUSTRALIA



(not hospitals)




GENERAL EXCLUSIONS












28






29



Abseiling

Archery

Badminton

Baseball

Basketball

Bowling

Camel Riding



Cricket


Elephant Riding

Fell running

Fencing

Fishing

Football

Glacier Skiing

Go- Karting

Golf

Hockey

Horse Riding

Horse Trekking

Hot air ballooning


Jet Biking

Jet Skiing

Kitesurfing

Monoskiing


Netball

Orienteering

Paintball

Pony Trekking

Racquetball

Road Cycling

Roller skating

Rounders

Running





Ski touring

Skidoo


Snowblading


Snowshoeing

Squash

Surfing

Table Tennis

Tennis

Tobogganing

Trampolining


Volleyball

War games

Water polo

Water Skiing

Wind Surfing



Zorbing


30


WHAT IS COVERED








WHAT IS COVERED







WHAT IS NOT COVERED




WHAT IS COVERED






(a) you





31





SPECIAL CONDITIONS





WHAT IS NOT COVERED









WHAT IS COVERED





32

SPECIAL CONDITIONS






WHAT IS NOT COVERED









WHAT IS COVERED


(a) strike or







33

SPECIAL CONDITIONS






WHAT IS NOT COVERED






WHAT IS COVERED

BAGGAGE DELAY





SPECIAL CONDITIONS




WHAT IS NOT COVERED



WHAT IS COVERED

DENIAL OF BOARDING




34

SPECIAL CONDITIONS



WHAT IS NOT COVERED





WHAT IS COVERED










35

SPECIAL CONDITIONS






WHAT IS NOT COVERED














WHAT IS COVERED


SPECIAL CONDITIONS


36

WHAT IS NOT COVERED









WHAT IS COVERED


WHAT IS NOT COVERED











WHAT IS COVERED

BAGGAGE



37

PERSONAL MONEY



PASSPORT


SPECIAL CONDITIONS











WHAT IS NOT COVERED








38












or foot




WHAT IS COVERED


SPECIAL CONDITIONS


PROVISIONS





WHAT IS NOT COVERED



WHAT IS COVERED


39




SPECIAL CONDITIONS






WHAT IS NOT COVERED









WHAT IS COVERED




SPECIAL CONDITIONS



40






WHAT IS NOT COVERED













WHAT IS COVERED


SPECIAL CONDITIONS



WHAT IS NOT COVERED


41


WHAT IS COVERED



WHAT IS COVERED

Business Equipment




1 You die




SPECIAL CONDITIONS



WHAT IS NOT COVERED









WHAT IS COVERED

SKI EQUIPMENT


42

SKI EQUIPMENT HIRE


SPECIAL CONDITIONS



WHAT IS NOT COVERED


SKI PACK




SPECIAL CONDITIONS


WHAT IS NOT COVERED


PISTE CLOSURE



SPECIAL CONDITIONS



AVALANCHE CLOSURE


SPECIAL CONDITIONS



43


WHAT IS COVERED

GOLF EQUIPMENT


SPECIAL CONDITIONS


WHAT IS NOT COVERED





GREEN FEES




SPECIAL CONDITIONS



HOLE IN ONE BENEFIT


SPECIAL CONDITIONS





WHAT IS COVERED





44





SPECIAL CONDITIONS



WHAT IS NOT COVERED




WHAT IS COVERED


SPECIAL CONDITIONS





WHAT IS NOT COVERED









45

WHAT IS COVERED


SPECIAL CONDITIONS








WHAT IS NOT COVERED

















46















or telephone +44 (0)203 285 7996









47






48














49



A) Definitions













C) Membership



50



D) AIRPORT ANGEL














51



























J) Complaints



K) Applicable law












52

53



















54














13








14



Insurer








Conditions





15
















euro 10000














euro 10000000
















































16




















Green Fees euro 250




















General Exclusions












17





























18



Cancellation


Claim notification











or telephone +44 (0)203 285 7996







19


BENEFIT TABLE













euro 10000














euro 10000000















































20



















Green Fees euro 250















IMPORTANT NOTICE






INTRODUCTION




ELIGIBILITY





21

INSURER DETAILS









CONTENTS


22

DEFINITIONS







426087)





during any trip











incident





23
























24




















or vehicle





25

GENERAL CONDITIONS








CLAIMS CONDITIONS












26










FRAUD












27

AUSTRALIA



(not hospitals)




GENERAL EXCLUSIONS












28






29



Abseiling

Archery

Badminton

Baseball

Basketball

Bowling

Camel Riding



Cricket


Elephant Riding

Fell running

Fencing

Fishing

Football

Glacier Skiing

Go- Karting

Golf

Hockey

Horse Riding

Horse Trekking

Hot air ballooning


Jet Biking

Jet Skiing

Kitesurfing

Monoskiing


Netball

Orienteering

Paintball

Pony Trekking

Racquetball

Road Cycling

Roller skating

Rounders

Running





Ski touring

Skidoo


Snowblading


Snowshoeing

Squash

Surfing

Table Tennis

Tennis

Tobogganing

Trampolining


Volleyball

War games

Water polo

Water Skiing

Wind Surfing



Zorbing


30


WHAT IS COVERED








WHAT IS COVERED







WHAT IS NOT COVERED




WHAT IS COVERED






(a) you





31





SPECIAL CONDITIONS





WHAT IS NOT COVERED









WHAT IS COVERED





32

SPECIAL CONDITIONS






WHAT IS NOT COVERED









WHAT IS COVERED


(a) strike or







33

SPECIAL CONDITIONS






WHAT IS NOT COVERED






WHAT IS COVERED

BAGGAGE DELAY





SPECIAL CONDITIONS




WHAT IS NOT COVERED



WHAT IS COVERED

DENIAL OF BOARDING




34

SPECIAL CONDITIONS



WHAT IS NOT COVERED





WHAT IS COVERED










35

SPECIAL CONDITIONS






WHAT IS NOT COVERED














WHAT IS COVERED


SPECIAL CONDITIONS


36

WHAT IS NOT COVERED









WHAT IS COVERED


WHAT IS NOT COVERED











WHAT IS COVERED

BAGGAGE



37

PERSONAL MONEY



PASSPORT


SPECIAL CONDITIONS











WHAT IS NOT COVERED








38












or foot




WHAT IS COVERED


SPECIAL CONDITIONS


PROVISIONS





WHAT IS NOT COVERED



WHAT IS COVERED


39




SPECIAL CONDITIONS






WHAT IS NOT COVERED









WHAT IS COVERED




SPECIAL CONDITIONS



40






WHAT IS NOT COVERED













WHAT IS COVERED


SPECIAL CONDITIONS



WHAT IS NOT COVERED


41


WHAT IS COVERED



WHAT IS COVERED

Business Equipment




1 You die




SPECIAL CONDITIONS



WHAT IS NOT COVERED









WHAT IS COVERED

SKI EQUIPMENT


42

SKI EQUIPMENT HIRE


SPECIAL CONDITIONS



WHAT IS NOT COVERED


SKI PACK




SPECIAL CONDITIONS


WHAT IS NOT COVERED


PISTE CLOSURE



SPECIAL CONDITIONS



AVALANCHE CLOSURE


SPECIAL CONDITIONS



43


WHAT IS COVERED

GOLF EQUIPMENT


SPECIAL CONDITIONS


WHAT IS NOT COVERED





GREEN FEES




SPECIAL CONDITIONS



HOLE IN ONE BENEFIT


SPECIAL CONDITIONS





WHAT IS COVERED





44





SPECIAL CONDITIONS



WHAT IS NOT COVERED




WHAT IS COVERED


SPECIAL CONDITIONS





WHAT IS NOT COVERED









45

WHAT IS COVERED


SPECIAL CONDITIONS








WHAT IS NOT COVERED

















46















or telephone +44 (0)203 285 7996









47






48














49



A) Definitions













C) Membership



50



D) AIRPORT ANGEL














51



























J) Complaints



K) Applicable law












52

53



















54














14



Insurer








Conditions





15
















euro 10000














euro 10000000
















































16




















Green Fees euro 250




















General Exclusions












17





























18



Cancellation


Claim notification











or telephone +44 (0)203 285 7996







19


BENEFIT TABLE













euro 10000














euro 10000000















































20



















Green Fees euro 250















IMPORTANT NOTICE






INTRODUCTION




ELIGIBILITY





21

INSURER DETAILS









CONTENTS


22

DEFINITIONS







426087)





during any trip











incident





23
























24




















or vehicle





25

GENERAL CONDITIONS








CLAIMS CONDITIONS












26










FRAUD












27

AUSTRALIA



(not hospitals)




GENERAL EXCLUSIONS












28






29



Abseiling

Archery

Badminton

Baseball

Basketball

Bowling

Camel Riding



Cricket


Elephant Riding

Fell running

Fencing

Fishing

Football

Glacier Skiing

Go- Karting

Golf

Hockey

Horse Riding

Horse Trekking

Hot air ballooning


Jet Biking

Jet Skiing

Kitesurfing

Monoskiing


Netball

Orienteering

Paintball

Pony Trekking

Racquetball

Road Cycling

Roller skating

Rounders

Running





Ski touring

Skidoo


Snowblading


Snowshoeing

Squash

Surfing

Table Tennis

Tennis

Tobogganing

Trampolining


Volleyball

War games

Water polo

Water Skiing

Wind Surfing



Zorbing


30


WHAT IS COVERED








WHAT IS COVERED







WHAT IS NOT COVERED




WHAT IS COVERED






(a) you





31





SPECIAL CONDITIONS





WHAT IS NOT COVERED









WHAT IS COVERED





32

SPECIAL CONDITIONS






WHAT IS NOT COVERED









WHAT IS COVERED


(a) strike or







33

SPECIAL CONDITIONS






WHAT IS NOT COVERED






WHAT IS COVERED

BAGGAGE DELAY





SPECIAL CONDITIONS




WHAT IS NOT COVERED



WHAT IS COVERED

DENIAL OF BOARDING




34

SPECIAL CONDITIONS



WHAT IS NOT COVERED





WHAT IS COVERED










35

SPECIAL CONDITIONS






WHAT IS NOT COVERED














WHAT IS COVERED


SPECIAL CONDITIONS


36

WHAT IS NOT COVERED









WHAT IS COVERED


WHAT IS NOT COVERED











WHAT IS COVERED

BAGGAGE



37

PERSONAL MONEY



PASSPORT


SPECIAL CONDITIONS











WHAT IS NOT COVERED








38












or foot




WHAT IS COVERED


SPECIAL CONDITIONS


PROVISIONS





WHAT IS NOT COVERED



WHAT IS COVERED


39




SPECIAL CONDITIONS






WHAT IS NOT COVERED









WHAT IS COVERED




SPECIAL CONDITIONS



40






WHAT IS NOT COVERED













WHAT IS COVERED


SPECIAL CONDITIONS



WHAT IS NOT COVERED


41


WHAT IS COVERED



WHAT IS COVERED

Business Equipment




1 You die




SPECIAL CONDITIONS



WHAT IS NOT COVERED









WHAT IS COVERED

SKI EQUIPMENT


42

SKI EQUIPMENT HIRE


SPECIAL CONDITIONS



WHAT IS NOT COVERED


SKI PACK




SPECIAL CONDITIONS


WHAT IS NOT COVERED


PISTE CLOSURE



SPECIAL CONDITIONS



AVALANCHE CLOSURE


SPECIAL CONDITIONS



43


WHAT IS COVERED

GOLF EQUIPMENT


SPECIAL CONDITIONS


WHAT IS NOT COVERED





GREEN FEES




SPECIAL CONDITIONS



HOLE IN ONE BENEFIT


SPECIAL CONDITIONS





WHAT IS COVERED





44





SPECIAL CONDITIONS



WHAT IS NOT COVERED




WHAT IS COVERED


SPECIAL CONDITIONS





WHAT IS NOT COVERED









45

WHAT IS COVERED


SPECIAL CONDITIONS








WHAT IS NOT COVERED

















46















or telephone +44 (0)203 285 7996









47






48














49



A) Definitions













C) Membership



50



D) AIRPORT ANGEL














51



























J) Complaints



K) Applicable law












52

53



















54














15
















euro 10000














euro 10000000
















































16




















Green Fees euro 250




















General Exclusions












17





























18



Cancellation


Claim notification











or telephone +44 (0)203 285 7996







19


BENEFIT TABLE













euro 10000














euro 10000000















































20



















Green Fees euro 250















IMPORTANT NOTICE






INTRODUCTION




ELIGIBILITY





21

INSURER DETAILS









CONTENTS


22

DEFINITIONS







426087)





during any trip











incident





23
























24




















or vehicle





25

GENERAL CONDITIONS








CLAIMS CONDITIONS












26










FRAUD












27

AUSTRALIA



(not hospitals)




GENERAL EXCLUSIONS












28






29



Abseiling

Archery

Badminton

Baseball

Basketball

Bowling

Camel Riding



Cricket


Elephant Riding

Fell running

Fencing

Fishing

Football

Glacier Skiing

Go- Karting

Golf

Hockey

Horse Riding

Horse Trekking

Hot air ballooning


Jet Biking

Jet Skiing

Kitesurfing

Monoskiing


Netball

Orienteering

Paintball

Pony Trekking

Racquetball

Road Cycling

Roller skating

Rounders

Running





Ski touring

Skidoo


Snowblading


Snowshoeing

Squash

Surfing

Table Tennis

Tennis

Tobogganing

Trampolining


Volleyball

War games

Water polo

Water Skiing

Wind Surfing



Zorbing


30


WHAT IS COVERED








WHAT IS COVERED







WHAT IS NOT COVERED




WHAT IS COVERED






(a) you





31





SPECIAL CONDITIONS





WHAT IS NOT COVERED









WHAT IS COVERED





32

SPECIAL CONDITIONS






WHAT IS NOT COVERED









WHAT IS COVERED


(a) strike or







33

SPECIAL CONDITIONS






WHAT IS NOT COVERED






WHAT IS COVERED

BAGGAGE DELAY





SPECIAL CONDITIONS




WHAT IS NOT COVERED



WHAT IS COVERED

DENIAL OF BOARDING




34

SPECIAL CONDITIONS



WHAT IS NOT COVERED





WHAT IS COVERED










35

SPECIAL CONDITIONS






WHAT IS NOT COVERED














WHAT IS COVERED


SPECIAL CONDITIONS


36

WHAT IS NOT COVERED









WHAT IS COVERED


WHAT IS NOT COVERED











WHAT IS COVERED

BAGGAGE



37

PERSONAL MONEY



PASSPORT


SPECIAL CONDITIONS











WHAT IS NOT COVERED








38












or foot




WHAT IS COVERED


SPECIAL CONDITIONS


PROVISIONS





WHAT IS NOT COVERED



WHAT IS COVERED


39




SPECIAL CONDITIONS






WHAT IS NOT COVERED









WHAT IS COVERED




SPECIAL CONDITIONS



40






WHAT IS NOT COVERED













WHAT IS COVERED


SPECIAL CONDITIONS



WHAT IS NOT COVERED


41


WHAT IS COVERED



WHAT IS COVERED

Business Equipment




1 You die




SPECIAL CONDITIONS



WHAT IS NOT COVERED









WHAT IS COVERED

SKI EQUIPMENT


42

SKI EQUIPMENT HIRE


SPECIAL CONDITIONS



WHAT IS NOT COVERED


SKI PACK




SPECIAL CONDITIONS


WHAT IS NOT COVERED


PISTE CLOSURE



SPECIAL CONDITIONS



AVALANCHE CLOSURE


SPECIAL CONDITIONS



43


WHAT IS COVERED

GOLF EQUIPMENT


SPECIAL CONDITIONS


WHAT IS NOT COVERED





GREEN FEES




SPECIAL CONDITIONS



HOLE IN ONE BENEFIT


SPECIAL CONDITIONS





WHAT IS COVERED





44





SPECIAL CONDITIONS



WHAT IS NOT COVERED




WHAT IS COVERED


SPECIAL CONDITIONS





WHAT IS NOT COVERED









45

WHAT IS COVERED


SPECIAL CONDITIONS








WHAT IS NOT COVERED

















46















or telephone +44 (0)203 285 7996









47






48














49



A) Definitions













C) Membership



50



D) AIRPORT ANGEL














51



























J) Complaints



K) Applicable law












52

53



















54














16




















Green Fees euro 250




















General Exclusions












17





























18



Cancellation


Claim notification











or telephone +44 (0)203 285 7996







19


BENEFIT TABLE













euro 10000














euro 10000000















































20



















Green Fees euro 250















IMPORTANT NOTICE






INTRODUCTION




ELIGIBILITY





21

INSURER DETAILS









CONTENTS


22

DEFINITIONS







426087)





during any trip











incident





23
























24




















or vehicle





25

GENERAL CONDITIONS








CLAIMS CONDITIONS












26










FRAUD












27

AUSTRALIA



(not hospitals)




GENERAL EXCLUSIONS












28






29



Abseiling

Archery

Badminton

Baseball

Basketball

Bowling

Camel Riding



Cricket


Elephant Riding

Fell running

Fencing

Fishing

Football

Glacier Skiing

Go- Karting

Golf

Hockey

Horse Riding

Horse Trekking

Hot air ballooning


Jet Biking

Jet Skiing

Kitesurfing

Monoskiing


Netball

Orienteering

Paintball

Pony Trekking

Racquetball

Road Cycling

Roller skating

Rounders

Running





Ski touring

Skidoo


Snowblading


Snowshoeing

Squash

Surfing

Table Tennis

Tennis

Tobogganing

Trampolining


Volleyball

War games

Water polo

Water Skiing

Wind Surfing



Zorbing


30


WHAT IS COVERED








WHAT IS COVERED







WHAT IS NOT COVERED




WHAT IS COVERED






(a) you





31





SPECIAL CONDITIONS





WHAT IS NOT COVERED









WHAT IS COVERED





32

SPECIAL CONDITIONS






WHAT IS NOT COVERED









WHAT IS COVERED


(a) strike or







33

SPECIAL CONDITIONS






WHAT IS NOT COVERED






WHAT IS COVERED

BAGGAGE DELAY





SPECIAL CONDITIONS




WHAT IS NOT COVERED



WHAT IS COVERED

DENIAL OF BOARDING




34

SPECIAL CONDITIONS



WHAT IS NOT COVERED





WHAT IS COVERED










35

SPECIAL CONDITIONS






WHAT IS NOT COVERED














WHAT IS COVERED


SPECIAL CONDITIONS


36

WHAT IS NOT COVERED









WHAT IS COVERED


WHAT IS NOT COVERED











WHAT IS COVERED

BAGGAGE



37

PERSONAL MONEY



PASSPORT


SPECIAL CONDITIONS











WHAT IS NOT COVERED








38












or foot




WHAT IS COVERED


SPECIAL CONDITIONS


PROVISIONS





WHAT IS NOT COVERED



WHAT IS COVERED


39




SPECIAL CONDITIONS






WHAT IS NOT COVERED









WHAT IS COVERED




SPECIAL CONDITIONS



40






WHAT IS NOT COVERED













WHAT IS COVERED


SPECIAL CONDITIONS



WHAT IS NOT COVERED


41


WHAT IS COVERED



WHAT IS COVERED

Business Equipment




1 You die




SPECIAL CONDITIONS



WHAT IS NOT COVERED









WHAT IS COVERED

SKI EQUIPMENT


42

SKI EQUIPMENT HIRE


SPECIAL CONDITIONS



WHAT IS NOT COVERED


SKI PACK




SPECIAL CONDITIONS


WHAT IS NOT COVERED


PISTE CLOSURE



SPECIAL CONDITIONS



AVALANCHE CLOSURE


SPECIAL CONDITIONS



43


WHAT IS COVERED

GOLF EQUIPMENT


SPECIAL CONDITIONS


WHAT IS NOT COVERED





GREEN FEES




SPECIAL CONDITIONS



HOLE IN ONE BENEFIT


SPECIAL CONDITIONS





WHAT IS COVERED





44





SPECIAL CONDITIONS



WHAT IS NOT COVERED




WHAT IS COVERED


SPECIAL CONDITIONS





WHAT IS NOT COVERED









45

WHAT IS COVERED


SPECIAL CONDITIONS








WHAT IS NOT COVERED

















46















or telephone +44 (0)203 285 7996









47






48














49



A) Definitions













C) Membership



50



D) AIRPORT ANGEL














51



























J) Complaints



K) Applicable law












52

53



















54














17





























18



Cancellation


Claim notification











or telephone +44 (0)203 285 7996







19


BENEFIT TABLE













euro 10000














euro 10000000















































20



















Green Fees euro 250















IMPORTANT NOTICE






INTRODUCTION




ELIGIBILITY





21

INSURER DETAILS









CONTENTS


22

DEFINITIONS







426087)





during any trip











incident





23
























24




















or vehicle





25

GENERAL CONDITIONS








CLAIMS CONDITIONS












26










FRAUD












27

AUSTRALIA



(not hospitals)




GENERAL EXCLUSIONS












28






29



Abseiling

Archery

Badminton

Baseball

Basketball

Bowling

Camel Riding



Cricket


Elephant Riding

Fell running

Fencing

Fishing

Football

Glacier Skiing

Go- Karting

Golf

Hockey

Horse Riding

Horse Trekking

Hot air ballooning


Jet Biking

Jet Skiing

Kitesurfing

Monoskiing


Netball

Orienteering

Paintball

Pony Trekking

Racquetball

Road Cycling

Roller skating

Rounders

Running





Ski touring

Skidoo


Snowblading


Snowshoeing

Squash

Surfing

Table Tennis

Tennis

Tobogganing

Trampolining


Volleyball

War games

Water polo

Water Skiing

Wind Surfing



Zorbing


30


WHAT IS COVERED








WHAT IS COVERED







WHAT IS NOT COVERED




WHAT IS COVERED






(a) you





31





SPECIAL CONDITIONS





WHAT IS NOT COVERED









WHAT IS COVERED





32

SPECIAL CONDITIONS






WHAT IS NOT COVERED









WHAT IS COVERED


(a) strike or







33

SPECIAL CONDITIONS






WHAT IS NOT COVERED






WHAT IS COVERED

BAGGAGE DELAY





SPECIAL CONDITIONS




WHAT IS NOT COVERED



WHAT IS COVERED

DENIAL OF BOARDING




34

SPECIAL CONDITIONS



WHAT IS NOT COVERED





WHAT IS COVERED










35

SPECIAL CONDITIONS






WHAT IS NOT COVERED














WHAT IS COVERED


SPECIAL CONDITIONS


36

WHAT IS NOT COVERED









WHAT IS COVERED


WHAT IS NOT COVERED











WHAT IS COVERED

BAGGAGE



37

PERSONAL MONEY



PASSPORT


SPECIAL CONDITIONS











WHAT IS NOT COVERED








38












or foot




WHAT IS COVERED


SPECIAL CONDITIONS


PROVISIONS





WHAT IS NOT COVERED



WHAT IS COVERED


39




SPECIAL CONDITIONS






WHAT IS NOT COVERED









WHAT IS COVERED




SPECIAL CONDITIONS



40






WHAT IS NOT COVERED













WHAT IS COVERED


SPECIAL CONDITIONS



WHAT IS NOT COVERED


41


WHAT IS COVERED



WHAT IS COVERED

Business Equipment




1 You die




SPECIAL CONDITIONS



WHAT IS NOT COVERED









WHAT IS COVERED

SKI EQUIPMENT


42

SKI EQUIPMENT HIRE


SPECIAL CONDITIONS



WHAT IS NOT COVERED


SKI PACK




SPECIAL CONDITIONS


WHAT IS NOT COVERED


PISTE CLOSURE



SPECIAL CONDITIONS



AVALANCHE CLOSURE


SPECIAL CONDITIONS



43


WHAT IS COVERED

GOLF EQUIPMENT


SPECIAL CONDITIONS


WHAT IS NOT COVERED





GREEN FEES




SPECIAL CONDITIONS



HOLE IN ONE BENEFIT


SPECIAL CONDITIONS





WHAT IS COVERED





44





SPECIAL CONDITIONS



WHAT IS NOT COVERED




WHAT IS COVERED


SPECIAL CONDITIONS





WHAT IS NOT COVERED









45

WHAT IS COVERED


SPECIAL CONDITIONS








WHAT IS NOT COVERED

















46















or telephone +44 (0)203 285 7996









47






48














49



A) Definitions













C) Membership



50



D) AIRPORT ANGEL














51



























J) Complaints



K) Applicable law












52

53



















54














18



Cancellation


Claim notification











or telephone +44 (0)203 285 7996







19


BENEFIT TABLE













euro 10000














euro 10000000















































20



















Green Fees euro 250















IMPORTANT NOTICE






INTRODUCTION




ELIGIBILITY





21

INSURER DETAILS









CONTENTS


22

DEFINITIONS







426087)





during any trip











incident





23
























24




















or vehicle





25

GENERAL CONDITIONS








CLAIMS CONDITIONS












26










FRAUD












27

AUSTRALIA



(not hospitals)




GENERAL EXCLUSIONS












28






29



Abseiling

Archery

Badminton

Baseball

Basketball

Bowling

Camel Riding



Cricket


Elephant Riding

Fell running

Fencing

Fishing

Football

Glacier Skiing

Go- Karting

Golf

Hockey

Horse Riding

Horse Trekking

Hot air ballooning


Jet Biking

Jet Skiing

Kitesurfing

Monoskiing


Netball

Orienteering

Paintball

Pony Trekking

Racquetball

Road Cycling

Roller skating

Rounders

Running





Ski touring

Skidoo


Snowblading


Snowshoeing

Squash

Surfing

Table Tennis

Tennis

Tobogganing

Trampolining


Volleyball

War games

Water polo

Water Skiing

Wind Surfing



Zorbing


30


WHAT IS COVERED








WHAT IS COVERED







WHAT IS NOT COVERED




WHAT IS COVERED






(a) you





31





SPECIAL CONDITIONS





WHAT IS NOT COVERED









WHAT IS COVERED





32

SPECIAL CONDITIONS






WHAT IS NOT COVERED









WHAT IS COVERED


(a) strike or







33

SPECIAL CONDITIONS






WHAT IS NOT COVERED






WHAT IS COVERED

BAGGAGE DELAY





SPECIAL CONDITIONS




WHAT IS NOT COVERED



WHAT IS COVERED

DENIAL OF BOARDING




34

SPECIAL CONDITIONS



WHAT IS NOT COVERED





WHAT IS COVERED










35

SPECIAL CONDITIONS






WHAT IS NOT COVERED














WHAT IS COVERED


SPECIAL CONDITIONS


36

WHAT IS NOT COVERED









WHAT IS COVERED


WHAT IS NOT COVERED











WHAT IS COVERED

BAGGAGE



37

PERSONAL MONEY



PASSPORT


SPECIAL CONDITIONS











WHAT IS NOT COVERED








38












or foot




WHAT IS COVERED


SPECIAL CONDITIONS


PROVISIONS





WHAT IS NOT COVERED



WHAT IS COVERED


39




SPECIAL CONDITIONS






WHAT IS NOT COVERED









WHAT IS COVERED




SPECIAL CONDITIONS



40






WHAT IS NOT COVERED













WHAT IS COVERED


SPECIAL CONDITIONS



WHAT IS NOT COVERED


41


WHAT IS COVERED



WHAT IS COVERED

Business Equipment




1 You die




SPECIAL CONDITIONS



WHAT IS NOT COVERED









WHAT IS COVERED

SKI EQUIPMENT


42

SKI EQUIPMENT HIRE


SPECIAL CONDITIONS



WHAT IS NOT COVERED


SKI PACK




SPECIAL CONDITIONS


WHAT IS NOT COVERED


PISTE CLOSURE



SPECIAL CONDITIONS



AVALANCHE CLOSURE


SPECIAL CONDITIONS



43


WHAT IS COVERED

GOLF EQUIPMENT


SPECIAL CONDITIONS


WHAT IS NOT COVERED





GREEN FEES




SPECIAL CONDITIONS



HOLE IN ONE BENEFIT


SPECIAL CONDITIONS





WHAT IS COVERED





44





SPECIAL CONDITIONS



WHAT IS NOT COVERED




WHAT IS COVERED


SPECIAL CONDITIONS





WHAT IS NOT COVERED









45

WHAT IS COVERED


SPECIAL CONDITIONS








WHAT IS NOT COVERED

















46















or telephone +44 (0)203 285 7996









47






48














49



A) Definitions













C) Membership



50



D) AIRPORT ANGEL














51



























J) Complaints



K) Applicable law












52

53



















54














19


BENEFIT TABLE













euro 10000














euro 10000000















































20



















Green Fees euro 250















IMPORTANT NOTICE






INTRODUCTION




ELIGIBILITY





21

INSURER DETAILS









CONTENTS


22

DEFINITIONS







426087)





during any trip











incident





23
























24




















or vehicle





25

GENERAL CONDITIONS








CLAIMS CONDITIONS












26










FRAUD












27

AUSTRALIA



(not hospitals)




GENERAL EXCLUSIONS












28






29



Abseiling

Archery

Badminton

Baseball

Basketball

Bowling

Camel Riding



Cricket


Elephant Riding

Fell running

Fencing

Fishing

Football

Glacier Skiing

Go- Karting

Golf

Hockey

Horse Riding

Horse Trekking

Hot air ballooning


Jet Biking

Jet Skiing

Kitesurfing

Monoskiing


Netball

Orienteering

Paintball

Pony Trekking

Racquetball

Road Cycling

Roller skating

Rounders

Running





Ski touring

Skidoo


Snowblading


Snowshoeing

Squash

Surfing

Table Tennis

Tennis

Tobogganing

Trampolining


Volleyball

War games

Water polo

Water Skiing

Wind Surfing



Zorbing


30


WHAT IS COVERED








WHAT IS COVERED







WHAT IS NOT COVERED




WHAT IS COVERED






(a) you





31





SPECIAL CONDITIONS





WHAT IS NOT COVERED









WHAT IS COVERED





32

SPECIAL CONDITIONS






WHAT IS NOT COVERED









WHAT IS COVERED


(a) strike or







33

SPECIAL CONDITIONS






WHAT IS NOT COVERED






WHAT IS COVERED

BAGGAGE DELAY





SPECIAL CONDITIONS




WHAT IS NOT COVERED



WHAT IS COVERED

DENIAL OF BOARDING




34

SPECIAL CONDITIONS



WHAT IS NOT COVERED





WHAT IS COVERED










35

SPECIAL CONDITIONS






WHAT IS NOT COVERED














WHAT IS COVERED


SPECIAL CONDITIONS


36

WHAT IS NOT COVERED









WHAT IS COVERED


WHAT IS NOT COVERED











WHAT IS COVERED

BAGGAGE



37

PERSONAL MONEY



PASSPORT


SPECIAL CONDITIONS











WHAT IS NOT COVERED








38












or foot




WHAT IS COVERED


SPECIAL CONDITIONS


PROVISIONS





WHAT IS NOT COVERED



WHAT IS COVERED


39




SPECIAL CONDITIONS






WHAT IS NOT COVERED









WHAT IS COVERED




SPECIAL CONDITIONS



40






WHAT IS NOT COVERED













WHAT IS COVERED


SPECIAL CONDITIONS



WHAT IS NOT COVERED


41


WHAT IS COVERED



WHAT IS COVERED

Business Equipment




1 You die




SPECIAL CONDITIONS



WHAT IS NOT COVERED









WHAT IS COVERED

SKI EQUIPMENT


42

SKI EQUIPMENT HIRE


SPECIAL CONDITIONS



WHAT IS NOT COVERED


SKI PACK




SPECIAL CONDITIONS


WHAT IS NOT COVERED


PISTE CLOSURE



SPECIAL CONDITIONS



AVALANCHE CLOSURE


SPECIAL CONDITIONS



43


WHAT IS COVERED

GOLF EQUIPMENT


SPECIAL CONDITIONS


WHAT IS NOT COVERED





GREEN FEES




SPECIAL CONDITIONS



HOLE IN ONE BENEFIT


SPECIAL CONDITIONS





WHAT IS COVERED





44





SPECIAL CONDITIONS



WHAT IS NOT COVERED




WHAT IS COVERED


SPECIAL CONDITIONS





WHAT IS NOT COVERED









45

WHAT IS COVERED


SPECIAL CONDITIONS








WHAT IS NOT COVERED

















46















or telephone +44 (0)203 285 7996









47






48














49



A) Definitions













C) Membership



50



D) AIRPORT ANGEL














51



























J) Complaints



K) Applicable law












52

53



















54














20



















Green Fees euro 250















IMPORTANT NOTICE






INTRODUCTION




ELIGIBILITY





21

INSURER DETAILS









CONTENTS


22

DEFINITIONS







426087)





during any trip











incident





23
























24




















or vehicle





25

GENERAL CONDITIONS








CLAIMS CONDITIONS












26










FRAUD












27

AUSTRALIA



(not hospitals)




GENERAL EXCLUSIONS












28






29



Abseiling

Archery

Badminton

Baseball

Basketball

Bowling

Camel Riding



Cricket


Elephant Riding

Fell running

Fencing

Fishing

Football

Glacier Skiing

Go- Karting

Golf

Hockey

Horse Riding

Horse Trekking

Hot air ballooning


Jet Biking

Jet Skiing

Kitesurfing

Monoskiing


Netball

Orienteering

Paintball

Pony Trekking

Racquetball

Road Cycling

Roller skating

Rounders

Running





Ski touring

Skidoo


Snowblading


Snowshoeing

Squash

Surfing

Table Tennis

Tennis

Tobogganing

Trampolining


Volleyball

War games

Water polo

Water Skiing

Wind Surfing



Zorbing


30


WHAT IS COVERED








WHAT IS COVERED







WHAT IS NOT COVERED




WHAT IS COVERED






(a) you





31





SPECIAL CONDITIONS





WHAT IS NOT COVERED









WHAT IS COVERED





32

SPECIAL CONDITIONS






WHAT IS NOT COVERED









WHAT IS COVERED


(a) strike or







33

SPECIAL CONDITIONS






WHAT IS NOT COVERED






WHAT IS COVERED

BAGGAGE DELAY





SPECIAL CONDITIONS




WHAT IS NOT COVERED



WHAT IS COVERED

DENIAL OF BOARDING




34

SPECIAL CONDITIONS



WHAT IS NOT COVERED





WHAT IS COVERED










35

SPECIAL CONDITIONS






WHAT IS NOT COVERED














WHAT IS COVERED


SPECIAL CONDITIONS


36

WHAT IS NOT COVERED









WHAT IS COVERED


WHAT IS NOT COVERED











WHAT IS COVERED

BAGGAGE



37

PERSONAL MONEY



PASSPORT


SPECIAL CONDITIONS











WHAT IS NOT COVERED








38












or foot




WHAT IS COVERED


SPECIAL CONDITIONS


PROVISIONS





WHAT IS NOT COVERED



WHAT IS COVERED


39




SPECIAL CONDITIONS






WHAT IS NOT COVERED









WHAT IS COVERED




SPECIAL CONDITIONS



40






WHAT IS NOT COVERED













WHAT IS COVERED


SPECIAL CONDITIONS



WHAT IS NOT COVERED


41


WHAT IS COVERED



WHAT IS COVERED

Business Equipment




1 You die




SPECIAL CONDITIONS



WHAT IS NOT COVERED









WHAT IS COVERED

SKI EQUIPMENT


42

SKI EQUIPMENT HIRE


SPECIAL CONDITIONS



WHAT IS NOT COVERED


SKI PACK




SPECIAL CONDITIONS


WHAT IS NOT COVERED


PISTE CLOSURE



SPECIAL CONDITIONS



AVALANCHE CLOSURE


SPECIAL CONDITIONS



43


WHAT IS COVERED

GOLF EQUIPMENT


SPECIAL CONDITIONS


WHAT IS NOT COVERED





GREEN FEES




SPECIAL CONDITIONS



HOLE IN ONE BENEFIT


SPECIAL CONDITIONS





WHAT IS COVERED





44





SPECIAL CONDITIONS



WHAT IS NOT COVERED




WHAT IS COVERED


SPECIAL CONDITIONS





WHAT IS NOT COVERED









45

WHAT IS COVERED


SPECIAL CONDITIONS








WHAT IS NOT COVERED

















46















or telephone +44 (0)203 285 7996









47






48














49



A) Definitions













C) Membership



50



D) AIRPORT ANGEL














51



























J) Complaints



K) Applicable law












52

53



















54














21

INSURER DETAILS









CONTENTS


22

DEFINITIONS







426087)





during any trip











incident





23
























24




















or vehicle





25

GENERAL CONDITIONS








CLAIMS CONDITIONS












26










FRAUD












27

AUSTRALIA



(not hospitals)




GENERAL EXCLUSIONS












28






29



Abseiling

Archery

Badminton

Baseball

Basketball

Bowling

Camel Riding



Cricket


Elephant Riding

Fell running

Fencing

Fishing

Football

Glacier Skiing

Go- Karting

Golf

Hockey

Horse Riding

Horse Trekking

Hot air ballooning


Jet Biking

Jet Skiing

Kitesurfing

Monoskiing


Netball

Orienteering

Paintball

Pony Trekking

Racquetball

Road Cycling

Roller skating

Rounders

Running





Ski touring

Skidoo


Snowblading


Snowshoeing

Squash

Surfing

Table Tennis

Tennis

Tobogganing

Trampolining


Volleyball

War games

Water polo

Water Skiing

Wind Surfing



Zorbing


30


WHAT IS COVERED








WHAT IS COVERED







WHAT IS NOT COVERED




WHAT IS COVERED






(a) you





31





SPECIAL CONDITIONS





WHAT IS NOT COVERED









WHAT IS COVERED





32

SPECIAL CONDITIONS






WHAT IS NOT COVERED









WHAT IS COVERED


(a) strike or







33

SPECIAL CONDITIONS






WHAT IS NOT COVERED






WHAT IS COVERED

BAGGAGE DELAY





SPECIAL CONDITIONS




WHAT IS NOT COVERED



WHAT IS COVERED

DENIAL OF BOARDING




34

SPECIAL CONDITIONS



WHAT IS NOT COVERED





WHAT IS COVERED










35

SPECIAL CONDITIONS






WHAT IS NOT COVERED














WHAT IS COVERED


SPECIAL CONDITIONS


36

WHAT IS NOT COVERED









WHAT IS COVERED


WHAT IS NOT COVERED











WHAT IS COVERED

BAGGAGE



37

PERSONAL MONEY



PASSPORT


SPECIAL CONDITIONS











WHAT IS NOT COVERED








38












or foot




WHAT IS COVERED


SPECIAL CONDITIONS


PROVISIONS





WHAT IS NOT COVERED



WHAT IS COVERED


39




SPECIAL CONDITIONS






WHAT IS NOT COVERED









WHAT IS COVERED




SPECIAL CONDITIONS



40






WHAT IS NOT COVERED













WHAT IS COVERED


SPECIAL CONDITIONS



WHAT IS NOT COVERED


41


WHAT IS COVERED



WHAT IS COVERED

Business Equipment




1 You die




SPECIAL CONDITIONS



WHAT IS NOT COVERED









WHAT IS COVERED

SKI EQUIPMENT


42

SKI EQUIPMENT HIRE


SPECIAL CONDITIONS



WHAT IS NOT COVERED


SKI PACK




SPECIAL CONDITIONS


WHAT IS NOT COVERED


PISTE CLOSURE



SPECIAL CONDITIONS



AVALANCHE CLOSURE


SPECIAL CONDITIONS



43


WHAT IS COVERED

GOLF EQUIPMENT


SPECIAL CONDITIONS


WHAT IS NOT COVERED





GREEN FEES




SPECIAL CONDITIONS



HOLE IN ONE BENEFIT


SPECIAL CONDITIONS





WHAT IS COVERED





44





SPECIAL CONDITIONS



WHAT IS NOT COVERED




WHAT IS COVERED


SPECIAL CONDITIONS





WHAT IS NOT COVERED









45

WHAT IS COVERED


SPECIAL CONDITIONS








WHAT IS NOT COVERED

















46















or telephone +44 (0)203 285 7996









47






48














49



A) Definitions













C) Membership



50



D) AIRPORT ANGEL














51



























J) Complaints



K) Applicable law












52

53



















54














22

DEFINITIONS







426087)





during any trip











incident





23
























24




















or vehicle





25

GENERAL CONDITIONS








CLAIMS CONDITIONS












26










FRAUD












27

AUSTRALIA



(not hospitals)




GENERAL EXCLUSIONS












28






29



Abseiling

Archery

Badminton

Baseball

Basketball

Bowling

Camel Riding



Cricket


Elephant Riding

Fell running

Fencing

Fishing

Football

Glacier Skiing

Go- Karting

Golf

Hockey

Horse Riding

Horse Trekking

Hot air ballooning


Jet Biking

Jet Skiing

Kitesurfing

Monoskiing


Netball

Orienteering

Paintball

Pony Trekking

Racquetball

Road Cycling

Roller skating

Rounders

Running





Ski touring

Skidoo


Snowblading


Snowshoeing

Squash

Surfing

Table Tennis

Tennis

Tobogganing

Trampolining


Volleyball

War games

Water polo

Water Skiing

Wind Surfing



Zorbing


30


WHAT IS COVERED








WHAT IS COVERED







WHAT IS NOT COVERED




WHAT IS COVERED






(a) you





31





SPECIAL CONDITIONS





WHAT IS NOT COVERED









WHAT IS COVERED





32

SPECIAL CONDITIONS






WHAT IS NOT COVERED









WHAT IS COVERED


(a) strike or







33

SPECIAL CONDITIONS






WHAT IS NOT COVERED






WHAT IS COVERED

BAGGAGE DELAY





SPECIAL CONDITIONS




WHAT IS NOT COVERED



WHAT IS COVERED

DENIAL OF BOARDING




34

SPECIAL CONDITIONS



WHAT IS NOT COVERED





WHAT IS COVERED










35

SPECIAL CONDITIONS






WHAT IS NOT COVERED














WHAT IS COVERED


SPECIAL CONDITIONS


36

WHAT IS NOT COVERED









WHAT IS COVERED


WHAT IS NOT COVERED











WHAT IS COVERED

BAGGAGE



37

PERSONAL MONEY



PASSPORT


SPECIAL CONDITIONS











WHAT IS NOT COVERED








38












or foot




WHAT IS COVERED


SPECIAL CONDITIONS


PROVISIONS





WHAT IS NOT COVERED



WHAT IS COVERED


39




SPECIAL CONDITIONS






WHAT IS NOT COVERED









WHAT IS COVERED




SPECIAL CONDITIONS



40






WHAT IS NOT COVERED













WHAT IS COVERED


SPECIAL CONDITIONS



WHAT IS NOT COVERED


41


WHAT IS COVERED



WHAT IS COVERED

Business Equipment




1 You die




SPECIAL CONDITIONS



WHAT IS NOT COVERED









WHAT IS COVERED

SKI EQUIPMENT


42

SKI EQUIPMENT HIRE


SPECIAL CONDITIONS



WHAT IS NOT COVERED


SKI PACK




SPECIAL CONDITIONS


WHAT IS NOT COVERED


PISTE CLOSURE



SPECIAL CONDITIONS



AVALANCHE CLOSURE


SPECIAL CONDITIONS



43


WHAT IS COVERED

GOLF EQUIPMENT


SPECIAL CONDITIONS


WHAT IS NOT COVERED





GREEN FEES




SPECIAL CONDITIONS



HOLE IN ONE BENEFIT


SPECIAL CONDITIONS





WHAT IS COVERED





44





SPECIAL CONDITIONS



WHAT IS NOT COVERED




WHAT IS COVERED


SPECIAL CONDITIONS





WHAT IS NOT COVERED









45

WHAT IS COVERED


SPECIAL CONDITIONS








WHAT IS NOT COVERED

















46















or telephone +44 (0)203 285 7996









47






48














49



A) Definitions













C) Membership



50



D) AIRPORT ANGEL














51



























J) Complaints



K) Applicable law












52

53



















54














23
























24




















or vehicle





25

GENERAL CONDITIONS








CLAIMS CONDITIONS












26










FRAUD












27

AUSTRALIA



(not hospitals)




GENERAL EXCLUSIONS












28






29



Abseiling

Archery

Badminton

Baseball

Basketball

Bowling

Camel Riding



Cricket


Elephant Riding

Fell running

Fencing

Fishing

Football

Glacier Skiing

Go- Karting

Golf

Hockey

Horse Riding

Horse Trekking

Hot air ballooning


Jet Biking

Jet Skiing

Kitesurfing

Monoskiing


Netball

Orienteering

Paintball

Pony Trekking

Racquetball

Road Cycling

Roller skating

Rounders

Running





Ski touring

Skidoo


Snowblading


Snowshoeing

Squash

Surfing

Table Tennis

Tennis

Tobogganing

Trampolining


Volleyball

War games

Water polo

Water Skiing

Wind Surfing



Zorbing


30


WHAT IS COVERED








WHAT IS COVERED







WHAT IS NOT COVERED




WHAT IS COVERED






(a) you





31





SPECIAL CONDITIONS





WHAT IS NOT COVERED









WHAT IS COVERED





32

SPECIAL CONDITIONS






WHAT IS NOT COVERED









WHAT IS COVERED


(a) strike or







33

SPECIAL CONDITIONS






WHAT IS NOT COVERED






WHAT IS COVERED

BAGGAGE DELAY





SPECIAL CONDITIONS




WHAT IS NOT COVERED



WHAT IS COVERED

DENIAL OF BOARDING




34

SPECIAL CONDITIONS



WHAT IS NOT COVERED





WHAT IS COVERED










35

SPECIAL CONDITIONS






WHAT IS NOT COVERED














WHAT IS COVERED


SPECIAL CONDITIONS


36

WHAT IS NOT COVERED









WHAT IS COVERED


WHAT IS NOT COVERED











WHAT IS COVERED

BAGGAGE



37

PERSONAL MONEY



PASSPORT


SPECIAL CONDITIONS











WHAT IS NOT COVERED








38












or foot




WHAT IS COVERED


SPECIAL CONDITIONS


PROVISIONS





WHAT IS NOT COVERED



WHAT IS COVERED


39




SPECIAL CONDITIONS






WHAT IS NOT COVERED









WHAT IS COVERED




SPECIAL CONDITIONS



40






WHAT IS NOT COVERED













WHAT IS COVERED


SPECIAL CONDITIONS



WHAT IS NOT COVERED


41


WHAT IS COVERED



WHAT IS COVERED

Business Equipment




1 You die




SPECIAL CONDITIONS



WHAT IS NOT COVERED









WHAT IS COVERED

SKI EQUIPMENT


42

SKI EQUIPMENT HIRE


SPECIAL CONDITIONS



WHAT IS NOT COVERED


SKI PACK




SPECIAL CONDITIONS


WHAT IS NOT COVERED


PISTE CLOSURE



SPECIAL CONDITIONS



AVALANCHE CLOSURE


SPECIAL CONDITIONS



43


WHAT IS COVERED

GOLF EQUIPMENT


SPECIAL CONDITIONS


WHAT IS NOT COVERED





GREEN FEES




SPECIAL CONDITIONS



HOLE IN ONE BENEFIT


SPECIAL CONDITIONS





WHAT IS COVERED





44





SPECIAL CONDITIONS



WHAT IS NOT COVERED




WHAT IS COVERED


SPECIAL CONDITIONS





WHAT IS NOT COVERED









45

WHAT IS COVERED


SPECIAL CONDITIONS








WHAT IS NOT COVERED

















46















or telephone +44 (0)203 285 7996









47






48














49



A) Definitions













C) Membership



50



D) AIRPORT ANGEL














51



























J) Complaints



K) Applicable law












52

53



















54














24




















or vehicle





25

GENERAL CONDITIONS








CLAIMS CONDITIONS












26










FRAUD












27

AUSTRALIA



(not hospitals)




GENERAL EXCLUSIONS












28






29



Abseiling

Archery

Badminton

Baseball

Basketball

Bowling

Camel Riding



Cricket


Elephant Riding

Fell running

Fencing

Fishing

Football

Glacier Skiing

Go- Karting

Golf

Hockey

Horse Riding

Horse Trekking

Hot air ballooning


Jet Biking

Jet Skiing

Kitesurfing

Monoskiing


Netball

Orienteering

Paintball

Pony Trekking

Racquetball

Road Cycling

Roller skating

Rounders

Running





Ski touring

Skidoo


Snowblading


Snowshoeing

Squash

Surfing

Table Tennis

Tennis

Tobogganing

Trampolining


Volleyball

War games

Water polo

Water Skiing

Wind Surfing



Zorbing


30


WHAT IS COVERED








WHAT IS COVERED







WHAT IS NOT COVERED




WHAT IS COVERED






(a) you





31





SPECIAL CONDITIONS





WHAT IS NOT COVERED









WHAT IS COVERED





32

SPECIAL CONDITIONS






WHAT IS NOT COVERED









WHAT IS COVERED


(a) strike or







33

SPECIAL CONDITIONS






WHAT IS NOT COVERED






WHAT IS COVERED

BAGGAGE DELAY





SPECIAL CONDITIONS




WHAT IS NOT COVERED



WHAT IS COVERED

DENIAL OF BOARDING




34

SPECIAL CONDITIONS



WHAT IS NOT COVERED





WHAT IS COVERED










35

SPECIAL CONDITIONS






WHAT IS NOT COVERED














WHAT IS COVERED


SPECIAL CONDITIONS


36

WHAT IS NOT COVERED









WHAT IS COVERED


WHAT IS NOT COVERED











WHAT IS COVERED

BAGGAGE



37

PERSONAL MONEY



PASSPORT


SPECIAL CONDITIONS











WHAT IS NOT COVERED








38












or foot




WHAT IS COVERED


SPECIAL CONDITIONS


PROVISIONS





WHAT IS NOT COVERED



WHAT IS COVERED


39




SPECIAL CONDITIONS






WHAT IS NOT COVERED









WHAT IS COVERED




SPECIAL CONDITIONS



40






WHAT IS NOT COVERED













WHAT IS COVERED


SPECIAL CONDITIONS



WHAT IS NOT COVERED


41


WHAT IS COVERED



WHAT IS COVERED

Business Equipment




1 You die




SPECIAL CONDITIONS



WHAT IS NOT COVERED









WHAT IS COVERED

SKI EQUIPMENT


42

SKI EQUIPMENT HIRE


SPECIAL CONDITIONS



WHAT IS NOT COVERED


SKI PACK




SPECIAL CONDITIONS


WHAT IS NOT COVERED


PISTE CLOSURE



SPECIAL CONDITIONS



AVALANCHE CLOSURE


SPECIAL CONDITIONS



43


WHAT IS COVERED

GOLF EQUIPMENT


SPECIAL CONDITIONS


WHAT IS NOT COVERED





GREEN FEES




SPECIAL CONDITIONS



HOLE IN ONE BENEFIT


SPECIAL CONDITIONS





WHAT IS COVERED





44





SPECIAL CONDITIONS



WHAT IS NOT COVERED




WHAT IS COVERED


SPECIAL CONDITIONS





WHAT IS NOT COVERED









45

WHAT IS COVERED


SPECIAL CONDITIONS








WHAT IS NOT COVERED

















46















or telephone +44 (0)203 285 7996









47






48














49



A) Definitions













C) Membership



50



D) AIRPORT ANGEL














51



























J) Complaints



K) Applicable law












52

53



















54














25

GENERAL CONDITIONS








CLAIMS CONDITIONS












26










FRAUD












27

AUSTRALIA



(not hospitals)




GENERAL EXCLUSIONS












28






29



Abseiling

Archery

Badminton

Baseball

Basketball

Bowling

Camel Riding



Cricket


Elephant Riding

Fell running

Fencing

Fishing

Football

Glacier Skiing

Go- Karting

Golf

Hockey

Horse Riding

Horse Trekking

Hot air ballooning


Jet Biking

Jet Skiing

Kitesurfing

Monoskiing


Netball

Orienteering

Paintball

Pony Trekking

Racquetball

Road Cycling

Roller skating

Rounders

Running





Ski touring

Skidoo


Snowblading


Snowshoeing

Squash

Surfing

Table Tennis

Tennis

Tobogganing

Trampolining


Volleyball

War games

Water polo

Water Skiing

Wind Surfing



Zorbing


30


WHAT IS COVERED








WHAT IS COVERED







WHAT IS NOT COVERED




WHAT IS COVERED






(a) you





31





SPECIAL CONDITIONS





WHAT IS NOT COVERED









WHAT IS COVERED





32

SPECIAL CONDITIONS






WHAT IS NOT COVERED









WHAT IS COVERED


(a) strike or







33

SPECIAL CONDITIONS






WHAT IS NOT COVERED






WHAT IS COVERED

BAGGAGE DELAY





SPECIAL CONDITIONS




WHAT IS NOT COVERED



WHAT IS COVERED

DENIAL OF BOARDING




34

SPECIAL CONDITIONS



WHAT IS NOT COVERED





WHAT IS COVERED










35

SPECIAL CONDITIONS






WHAT IS NOT COVERED














WHAT IS COVERED


SPECIAL CONDITIONS


36

WHAT IS NOT COVERED









WHAT IS COVERED


WHAT IS NOT COVERED











WHAT IS COVERED

BAGGAGE



37

PERSONAL MONEY



PASSPORT


SPECIAL CONDITIONS











WHAT IS NOT COVERED








38












or foot




WHAT IS COVERED


SPECIAL CONDITIONS


PROVISIONS





WHAT IS NOT COVERED



WHAT IS COVERED


39




SPECIAL CONDITIONS






WHAT IS NOT COVERED









WHAT IS COVERED




SPECIAL CONDITIONS



40






WHAT IS NOT COVERED













WHAT IS COVERED


SPECIAL CONDITIONS



WHAT IS NOT COVERED


41


WHAT IS COVERED



WHAT IS COVERED

Business Equipment




1 You die




SPECIAL CONDITIONS



WHAT IS NOT COVERED









WHAT IS COVERED

SKI EQUIPMENT


42

SKI EQUIPMENT HIRE


SPECIAL CONDITIONS



WHAT IS NOT COVERED


SKI PACK




SPECIAL CONDITIONS


WHAT IS NOT COVERED


PISTE CLOSURE



SPECIAL CONDITIONS



AVALANCHE CLOSURE


SPECIAL CONDITIONS



43


WHAT IS COVERED

GOLF EQUIPMENT


SPECIAL CONDITIONS


WHAT IS NOT COVERED





GREEN FEES




SPECIAL CONDITIONS



HOLE IN ONE BENEFIT


SPECIAL CONDITIONS





WHAT IS COVERED





44





SPECIAL CONDITIONS



WHAT IS NOT COVERED




WHAT IS COVERED


SPECIAL CONDITIONS





WHAT IS NOT COVERED









45

WHAT IS COVERED


SPECIAL CONDITIONS








WHAT IS NOT COVERED

















46















or telephone +44 (0)203 285 7996









47






48














49



A) Definitions













C) Membership



50



D) AIRPORT ANGEL














51



























J) Complaints



K) Applicable law












52

53



















54














26










FRAUD












27

AUSTRALIA



(not hospitals)




GENERAL EXCLUSIONS












28






29



Abseiling

Archery

Badminton

Baseball

Basketball

Bowling

Camel Riding



Cricket


Elephant Riding

Fell running

Fencing

Fishing

Football

Glacier Skiing

Go- Karting

Golf

Hockey

Horse Riding

Horse Trekking

Hot air ballooning


Jet Biking

Jet Skiing

Kitesurfing

Monoskiing


Netball

Orienteering

Paintball

Pony Trekking

Racquetball

Road Cycling

Roller skating

Rounders

Running





Ski touring

Skidoo


Snowblading


Snowshoeing

Squash

Surfing

Table Tennis

Tennis

Tobogganing

Trampolining


Volleyball

War games

Water polo

Water Skiing

Wind Surfing



Zorbing


30


WHAT IS COVERED








WHAT IS COVERED







WHAT IS NOT COVERED




WHAT IS COVERED






(a) you





31





SPECIAL CONDITIONS





WHAT IS NOT COVERED









WHAT IS COVERED





32

SPECIAL CONDITIONS






WHAT IS NOT COVERED









WHAT IS COVERED


(a) strike or







33

SPECIAL CONDITIONS






WHAT IS NOT COVERED






WHAT IS COVERED

BAGGAGE DELAY





SPECIAL CONDITIONS




WHAT IS NOT COVERED



WHAT IS COVERED

DENIAL OF BOARDING




34

SPECIAL CONDITIONS



WHAT IS NOT COVERED





WHAT IS COVERED










35

SPECIAL CONDITIONS






WHAT IS NOT COVERED














WHAT IS COVERED


SPECIAL CONDITIONS


36

WHAT IS NOT COVERED









WHAT IS COVERED


WHAT IS NOT COVERED











WHAT IS COVERED

BAGGAGE



37

PERSONAL MONEY



PASSPORT


SPECIAL CONDITIONS











WHAT IS NOT COVERED








38












or foot




WHAT IS COVERED


SPECIAL CONDITIONS


PROVISIONS





WHAT IS NOT COVERED



WHAT IS COVERED


39




SPECIAL CONDITIONS






WHAT IS NOT COVERED









WHAT IS COVERED




SPECIAL CONDITIONS



40






WHAT IS NOT COVERED













WHAT IS COVERED


SPECIAL CONDITIONS



WHAT IS NOT COVERED


41


WHAT IS COVERED



WHAT IS COVERED

Business Equipment




1 You die




SPECIAL CONDITIONS



WHAT IS NOT COVERED









WHAT IS COVERED

SKI EQUIPMENT


42

SKI EQUIPMENT HIRE


SPECIAL CONDITIONS



WHAT IS NOT COVERED


SKI PACK




SPECIAL CONDITIONS


WHAT IS NOT COVERED


PISTE CLOSURE



SPECIAL CONDITIONS



AVALANCHE CLOSURE


SPECIAL CONDITIONS



43


WHAT IS COVERED

GOLF EQUIPMENT


SPECIAL CONDITIONS


WHAT IS NOT COVERED





GREEN FEES




SPECIAL CONDITIONS



HOLE IN ONE BENEFIT


SPECIAL CONDITIONS





WHAT IS COVERED





44





SPECIAL CONDITIONS



WHAT IS NOT COVERED




WHAT IS COVERED


SPECIAL CONDITIONS





WHAT IS NOT COVERED









45

WHAT IS COVERED


SPECIAL CONDITIONS








WHAT IS NOT COVERED

















46















or telephone +44 (0)203 285 7996









47






48














49



A) Definitions













C) Membership



50



D) AIRPORT ANGEL














51



























J) Complaints



K) Applicable law












52

53



















54














27

AUSTRALIA



(not hospitals)




GENERAL EXCLUSIONS












28






29



Abseiling

Archery

Badminton

Baseball

Basketball

Bowling

Camel Riding



Cricket


Elephant Riding

Fell running

Fencing

Fishing

Football

Glacier Skiing

Go- Karting

Golf

Hockey

Horse Riding

Horse Trekking

Hot air ballooning


Jet Biking

Jet Skiing

Kitesurfing

Monoskiing


Netball

Orienteering

Paintball

Pony Trekking

Racquetball

Road Cycling

Roller skating

Rounders

Running





Ski touring

Skidoo


Snowblading


Snowshoeing

Squash

Surfing

Table Tennis

Tennis

Tobogganing

Trampolining


Volleyball

War games

Water polo

Water Skiing

Wind Surfing



Zorbing


30


WHAT IS COVERED








WHAT IS COVERED







WHAT IS NOT COVERED




WHAT IS COVERED






(a) you





31





SPECIAL CONDITIONS





WHAT IS NOT COVERED









WHAT IS COVERED





32

SPECIAL CONDITIONS






WHAT IS NOT COVERED









WHAT IS COVERED


(a) strike or







33

SPECIAL CONDITIONS






WHAT IS NOT COVERED






WHAT IS COVERED

BAGGAGE DELAY





SPECIAL CONDITIONS




WHAT IS NOT COVERED



WHAT IS COVERED

DENIAL OF BOARDING




34

SPECIAL CONDITIONS



WHAT IS NOT COVERED





WHAT IS COVERED










35

SPECIAL CONDITIONS






WHAT IS NOT COVERED














WHAT IS COVERED


SPECIAL CONDITIONS


36

WHAT IS NOT COVERED









WHAT IS COVERED


WHAT IS NOT COVERED











WHAT IS COVERED

BAGGAGE



37

PERSONAL MONEY



PASSPORT


SPECIAL CONDITIONS











WHAT IS NOT COVERED








38












or foot




WHAT IS COVERED


SPECIAL CONDITIONS


PROVISIONS





WHAT IS NOT COVERED



WHAT IS COVERED


39




SPECIAL CONDITIONS






WHAT IS NOT COVERED









WHAT IS COVERED




SPECIAL CONDITIONS



40






WHAT IS NOT COVERED













WHAT IS COVERED


SPECIAL CONDITIONS



WHAT IS NOT COVERED


41


WHAT IS COVERED



WHAT IS COVERED

Business Equipment




1 You die




SPECIAL CONDITIONS



WHAT IS NOT COVERED









WHAT IS COVERED

SKI EQUIPMENT


42

SKI EQUIPMENT HIRE


SPECIAL CONDITIONS



WHAT IS NOT COVERED


SKI PACK




SPECIAL CONDITIONS


WHAT IS NOT COVERED


PISTE CLOSURE



SPECIAL CONDITIONS



AVALANCHE CLOSURE


SPECIAL CONDITIONS



43


WHAT IS COVERED

GOLF EQUIPMENT


SPECIAL CONDITIONS


WHAT IS NOT COVERED





GREEN FEES




SPECIAL CONDITIONS



HOLE IN ONE BENEFIT


SPECIAL CONDITIONS





WHAT IS COVERED





44





SPECIAL CONDITIONS



WHAT IS NOT COVERED




WHAT IS COVERED


SPECIAL CONDITIONS





WHAT IS NOT COVERED









45

WHAT IS COVERED


SPECIAL CONDITIONS








WHAT IS NOT COVERED

















46















or telephone +44 (0)203 285 7996









47






48














49



A) Definitions













C) Membership



50



D) AIRPORT ANGEL














51



























J) Complaints



K) Applicable law












52

53



















54














28






29



Abseiling

Archery

Badminton

Baseball

Basketball

Bowling

Camel Riding



Cricket


Elephant Riding

Fell running

Fencing

Fishing

Football

Glacier Skiing

Go- Karting

Golf

Hockey

Horse Riding

Horse Trekking

Hot air ballooning


Jet Biking

Jet Skiing

Kitesurfing

Monoskiing


Netball

Orienteering

Paintball

Pony Trekking

Racquetball

Road Cycling

Roller skating

Rounders

Running





Ski touring

Skidoo


Snowblading


Snowshoeing

Squash

Surfing

Table Tennis

Tennis

Tobogganing

Trampolining


Volleyball

War games

Water polo

Water Skiing

Wind Surfing



Zorbing


30


WHAT IS COVERED








WHAT IS COVERED







WHAT IS NOT COVERED




WHAT IS COVERED






(a) you





31





SPECIAL CONDITIONS





WHAT IS NOT COVERED









WHAT IS COVERED





32

SPECIAL CONDITIONS






WHAT IS NOT COVERED









WHAT IS COVERED


(a) strike or







33

SPECIAL CONDITIONS






WHAT IS NOT COVERED






WHAT IS COVERED

BAGGAGE DELAY





SPECIAL CONDITIONS




WHAT IS NOT COVERED



WHAT IS COVERED

DENIAL OF BOARDING




34

SPECIAL CONDITIONS



WHAT IS NOT COVERED





WHAT IS COVERED










35

SPECIAL CONDITIONS






WHAT IS NOT COVERED














WHAT IS COVERED


SPECIAL CONDITIONS


36

WHAT IS NOT COVERED









WHAT IS COVERED


WHAT IS NOT COVERED











WHAT IS COVERED

BAGGAGE



37

PERSONAL MONEY



PASSPORT


SPECIAL CONDITIONS











WHAT IS NOT COVERED








38












or foot




WHAT IS COVERED


SPECIAL CONDITIONS


PROVISIONS





WHAT IS NOT COVERED



WHAT IS COVERED


39




SPECIAL CONDITIONS






WHAT IS NOT COVERED









WHAT IS COVERED




SPECIAL CONDITIONS



40






WHAT IS NOT COVERED













WHAT IS COVERED


SPECIAL CONDITIONS



WHAT IS NOT COVERED


41


WHAT IS COVERED



WHAT IS COVERED

Business Equipment




1 You die




SPECIAL CONDITIONS



WHAT IS NOT COVERED









WHAT IS COVERED

SKI EQUIPMENT


42

SKI EQUIPMENT HIRE


SPECIAL CONDITIONS



WHAT IS NOT COVERED


SKI PACK




SPECIAL CONDITIONS


WHAT IS NOT COVERED


PISTE CLOSURE



SPECIAL CONDITIONS



AVALANCHE CLOSURE


SPECIAL CONDITIONS



43


WHAT IS COVERED

GOLF EQUIPMENT


SPECIAL CONDITIONS


WHAT IS NOT COVERED





GREEN FEES




SPECIAL CONDITIONS



HOLE IN ONE BENEFIT


SPECIAL CONDITIONS





WHAT IS COVERED





44





SPECIAL CONDITIONS



WHAT IS NOT COVERED




WHAT IS COVERED


SPECIAL CONDITIONS





WHAT IS NOT COVERED









45

WHAT IS COVERED


SPECIAL CONDITIONS








WHAT IS NOT COVERED

















46















or telephone +44 (0)203 285 7996









47






48














49



A) Definitions













C) Membership



50



D) AIRPORT ANGEL














51



























J) Complaints



K) Applicable law












52

53



















54














29



Abseiling

Archery

Badminton

Baseball

Basketball

Bowling

Camel Riding



Cricket


Elephant Riding

Fell running

Fencing

Fishing

Football

Glacier Skiing

Go- Karting

Golf

Hockey

Horse Riding

Horse Trekking

Hot air ballooning


Jet Biking

Jet Skiing

Kitesurfing

Monoskiing


Netball

Orienteering

Paintball

Pony Trekking

Racquetball

Road Cycling

Roller skating

Rounders

Running





Ski touring

Skidoo


Snowblading


Snowshoeing

Squash

Surfing

Table Tennis

Tennis

Tobogganing

Trampolining


Volleyball

War games

Water polo

Water Skiing

Wind Surfing



Zorbing


30


WHAT IS COVERED








WHAT IS COVERED







WHAT IS NOT COVERED




WHAT IS COVERED






(a) you





31





SPECIAL CONDITIONS





WHAT IS NOT COVERED









WHAT IS COVERED





32

SPECIAL CONDITIONS






WHAT IS NOT COVERED









WHAT IS COVERED


(a) strike or







33

SPECIAL CONDITIONS






WHAT IS NOT COVERED






WHAT IS COVERED

BAGGAGE DELAY





SPECIAL CONDITIONS




WHAT IS NOT COVERED



WHAT IS COVERED

DENIAL OF BOARDING




34

SPECIAL CONDITIONS



WHAT IS NOT COVERED





WHAT IS COVERED










35

SPECIAL CONDITIONS






WHAT IS NOT COVERED














WHAT IS COVERED


SPECIAL CONDITIONS


36

WHAT IS NOT COVERED









WHAT IS COVERED


WHAT IS NOT COVERED











WHAT IS COVERED

BAGGAGE



37

PERSONAL MONEY



PASSPORT


SPECIAL CONDITIONS











WHAT IS NOT COVERED








38












or foot




WHAT IS COVERED


SPECIAL CONDITIONS


PROVISIONS





WHAT IS NOT COVERED



WHAT IS COVERED


39




SPECIAL CONDITIONS






WHAT IS NOT COVERED









WHAT IS COVERED




SPECIAL CONDITIONS



40






WHAT IS NOT COVERED













WHAT IS COVERED


SPECIAL CONDITIONS



WHAT IS NOT COVERED


41


WHAT IS COVERED



WHAT IS COVERED

Business Equipment




1 You die




SPECIAL CONDITIONS



WHAT IS NOT COVERED









WHAT IS COVERED

SKI EQUIPMENT


42

SKI EQUIPMENT HIRE


SPECIAL CONDITIONS



WHAT IS NOT COVERED


SKI PACK




SPECIAL CONDITIONS


WHAT IS NOT COVERED


PISTE CLOSURE



SPECIAL CONDITIONS



AVALANCHE CLOSURE


SPECIAL CONDITIONS



43


WHAT IS COVERED

GOLF EQUIPMENT


SPECIAL CONDITIONS


WHAT IS NOT COVERED





GREEN FEES




SPECIAL CONDITIONS



HOLE IN ONE BENEFIT


SPECIAL CONDITIONS





WHAT IS COVERED





44





SPECIAL CONDITIONS



WHAT IS NOT COVERED




WHAT IS COVERED


SPECIAL CONDITIONS





WHAT IS NOT COVERED









45

WHAT IS COVERED


SPECIAL CONDITIONS








WHAT IS NOT COVERED

















46















or telephone +44 (0)203 285 7996









47






48














49



A) Definitions













C) Membership



50



D) AIRPORT ANGEL














51



























J) Complaints



K) Applicable law












52

53



















54














30


WHAT IS COVERED








WHAT IS COVERED







WHAT IS NOT COVERED




WHAT IS COVERED






(a) you





31





SPECIAL CONDITIONS





WHAT IS NOT COVERED









WHAT IS COVERED





32

SPECIAL CONDITIONS






WHAT IS NOT COVERED









WHAT IS COVERED


(a) strike or







33

SPECIAL CONDITIONS






WHAT IS NOT COVERED






WHAT IS COVERED

BAGGAGE DELAY





SPECIAL CONDITIONS




WHAT IS NOT COVERED



WHAT IS COVERED

DENIAL OF BOARDING




34

SPECIAL CONDITIONS



WHAT IS NOT COVERED





WHAT IS COVERED










35

SPECIAL CONDITIONS






WHAT IS NOT COVERED














WHAT IS COVERED


SPECIAL CONDITIONS


36

WHAT IS NOT COVERED









WHAT IS COVERED


WHAT IS NOT COVERED











WHAT IS COVERED

BAGGAGE



37

PERSONAL MONEY



PASSPORT


SPECIAL CONDITIONS











WHAT IS NOT COVERED








38












or foot




WHAT IS COVERED


SPECIAL CONDITIONS


PROVISIONS





WHAT IS NOT COVERED



WHAT IS COVERED


39




SPECIAL CONDITIONS






WHAT IS NOT COVERED









WHAT IS COVERED




SPECIAL CONDITIONS



40






WHAT IS NOT COVERED













WHAT IS COVERED


SPECIAL CONDITIONS



WHAT IS NOT COVERED


41


WHAT IS COVERED



WHAT IS COVERED

Business Equipment




1 You die




SPECIAL CONDITIONS



WHAT IS NOT COVERED









WHAT IS COVERED

SKI EQUIPMENT


42

SKI EQUIPMENT HIRE


SPECIAL CONDITIONS



WHAT IS NOT COVERED


SKI PACK




SPECIAL CONDITIONS


WHAT IS NOT COVERED


PISTE CLOSURE



SPECIAL CONDITIONS



AVALANCHE CLOSURE


SPECIAL CONDITIONS



43


WHAT IS COVERED

GOLF EQUIPMENT


SPECIAL CONDITIONS


WHAT IS NOT COVERED





GREEN FEES




SPECIAL CONDITIONS



HOLE IN ONE BENEFIT


SPECIAL CONDITIONS





WHAT IS COVERED





44





SPECIAL CONDITIONS



WHAT IS NOT COVERED




WHAT IS COVERED


SPECIAL CONDITIONS





WHAT IS NOT COVERED









45

WHAT IS COVERED


SPECIAL CONDITIONS








WHAT IS NOT COVERED

















46















or telephone +44 (0)203 285 7996









47






48














49



A) Definitions













C) Membership



50



D) AIRPORT ANGEL














51



























J) Complaints



K) Applicable law












52

53



















54














31





SPECIAL CONDITIONS





WHAT IS NOT COVERED









WHAT IS COVERED





32

SPECIAL CONDITIONS






WHAT IS NOT COVERED









WHAT IS COVERED


(a) strike or







33

SPECIAL CONDITIONS






WHAT IS NOT COVERED






WHAT IS COVERED

BAGGAGE DELAY





SPECIAL CONDITIONS




WHAT IS NOT COVERED



WHAT IS COVERED

DENIAL OF BOARDING




34

SPECIAL CONDITIONS



WHAT IS NOT COVERED





WHAT IS COVERED










35

SPECIAL CONDITIONS






WHAT IS NOT COVERED














WHAT IS COVERED


SPECIAL CONDITIONS


36

WHAT IS NOT COVERED









WHAT IS COVERED


WHAT IS NOT COVERED











WHAT IS COVERED

BAGGAGE



37

PERSONAL MONEY



PASSPORT


SPECIAL CONDITIONS











WHAT IS NOT COVERED








38












or foot




WHAT IS COVERED


SPECIAL CONDITIONS


PROVISIONS





WHAT IS NOT COVERED



WHAT IS COVERED


39




SPECIAL CONDITIONS






WHAT IS NOT COVERED









WHAT IS COVERED




SPECIAL CONDITIONS



40






WHAT IS NOT COVERED













WHAT IS COVERED


SPECIAL CONDITIONS



WHAT IS NOT COVERED


41


WHAT IS COVERED



WHAT IS COVERED

Business Equipment




1 You die




SPECIAL CONDITIONS



WHAT IS NOT COVERED









WHAT IS COVERED

SKI EQUIPMENT


42

SKI EQUIPMENT HIRE


SPECIAL CONDITIONS



WHAT IS NOT COVERED


SKI PACK




SPECIAL CONDITIONS


WHAT IS NOT COVERED


PISTE CLOSURE



SPECIAL CONDITIONS



AVALANCHE CLOSURE


SPECIAL CONDITIONS



43


WHAT IS COVERED

GOLF EQUIPMENT


SPECIAL CONDITIONS


WHAT IS NOT COVERED





GREEN FEES




SPECIAL CONDITIONS



HOLE IN ONE BENEFIT


SPECIAL CONDITIONS





WHAT IS COVERED





44





SPECIAL CONDITIONS



WHAT IS NOT COVERED




WHAT IS COVERED


SPECIAL CONDITIONS





WHAT IS NOT COVERED









45

WHAT IS COVERED


SPECIAL CONDITIONS








WHAT IS NOT COVERED

















46















or telephone +44 (0)203 285 7996









47






48














49



A) Definitions













C) Membership



50



D) AIRPORT ANGEL














51



























J) Complaints



K) Applicable law












52

53



















54














32

SPECIAL CONDITIONS






WHAT IS NOT COVERED









WHAT IS COVERED


(a) strike or







33

SPECIAL CONDITIONS






WHAT IS NOT COVERED






WHAT IS COVERED

BAGGAGE DELAY





SPECIAL CONDITIONS




WHAT IS NOT COVERED



WHAT IS COVERED

DENIAL OF BOARDING




34

SPECIAL CONDITIONS



WHAT IS NOT COVERED





WHAT IS COVERED










35

SPECIAL CONDITIONS






WHAT IS NOT COVERED














WHAT IS COVERED


SPECIAL CONDITIONS


36

WHAT IS NOT COVERED









WHAT IS COVERED


WHAT IS NOT COVERED











WHAT IS COVERED

BAGGAGE



37

PERSONAL MONEY



PASSPORT


SPECIAL CONDITIONS











WHAT IS NOT COVERED








38












or foot




WHAT IS COVERED


SPECIAL CONDITIONS


PROVISIONS





WHAT IS NOT COVERED



WHAT IS COVERED


39




SPECIAL CONDITIONS






WHAT IS NOT COVERED









WHAT IS COVERED




SPECIAL CONDITIONS



40






WHAT IS NOT COVERED













WHAT IS COVERED


SPECIAL CONDITIONS



WHAT IS NOT COVERED


41


WHAT IS COVERED



WHAT IS COVERED

Business Equipment




1 You die




SPECIAL CONDITIONS



WHAT IS NOT COVERED









WHAT IS COVERED

SKI EQUIPMENT


42

SKI EQUIPMENT HIRE


SPECIAL CONDITIONS



WHAT IS NOT COVERED


SKI PACK




SPECIAL CONDITIONS


WHAT IS NOT COVERED


PISTE CLOSURE



SPECIAL CONDITIONS



AVALANCHE CLOSURE


SPECIAL CONDITIONS



43


WHAT IS COVERED

GOLF EQUIPMENT


SPECIAL CONDITIONS


WHAT IS NOT COVERED





GREEN FEES




SPECIAL CONDITIONS



HOLE IN ONE BENEFIT


SPECIAL CONDITIONS





WHAT IS COVERED





44





SPECIAL CONDITIONS



WHAT IS NOT COVERED




WHAT IS COVERED


SPECIAL CONDITIONS





WHAT IS NOT COVERED









45

WHAT IS COVERED


SPECIAL CONDITIONS








WHAT IS NOT COVERED

















46















or telephone +44 (0)203 285 7996









47






48














49



A) Definitions













C) Membership



50



D) AIRPORT ANGEL














51



























J) Complaints



K) Applicable law












52

53



















54














33

SPECIAL CONDITIONS






WHAT IS NOT COVERED






WHAT IS COVERED

BAGGAGE DELAY





SPECIAL CONDITIONS




WHAT IS NOT COVERED



WHAT IS COVERED

DENIAL OF BOARDING




34

SPECIAL CONDITIONS



WHAT IS NOT COVERED





WHAT IS COVERED










35

SPECIAL CONDITIONS






WHAT IS NOT COVERED














WHAT IS COVERED


SPECIAL CONDITIONS


36

WHAT IS NOT COVERED









WHAT IS COVERED


WHAT IS NOT COVERED











WHAT IS COVERED

BAGGAGE



37

PERSONAL MONEY



PASSPORT


SPECIAL CONDITIONS











WHAT IS NOT COVERED








38












or foot




WHAT IS COVERED


SPECIAL CONDITIONS


PROVISIONS





WHAT IS NOT COVERED



WHAT IS COVERED


39




SPECIAL CONDITIONS






WHAT IS NOT COVERED









WHAT IS COVERED




SPECIAL CONDITIONS



40






WHAT IS NOT COVERED













WHAT IS COVERED


SPECIAL CONDITIONS



WHAT IS NOT COVERED


41


WHAT IS COVERED



WHAT IS COVERED

Business Equipment




1 You die




SPECIAL CONDITIONS



WHAT IS NOT COVERED









WHAT IS COVERED

SKI EQUIPMENT


42

SKI EQUIPMENT HIRE


SPECIAL CONDITIONS



WHAT IS NOT COVERED


SKI PACK




SPECIAL CONDITIONS


WHAT IS NOT COVERED


PISTE CLOSURE



SPECIAL CONDITIONS



AVALANCHE CLOSURE


SPECIAL CONDITIONS



43


WHAT IS COVERED

GOLF EQUIPMENT


SPECIAL CONDITIONS


WHAT IS NOT COVERED





GREEN FEES




SPECIAL CONDITIONS



HOLE IN ONE BENEFIT


SPECIAL CONDITIONS





WHAT IS COVERED





44





SPECIAL CONDITIONS



WHAT IS NOT COVERED




WHAT IS COVERED


SPECIAL CONDITIONS





WHAT IS NOT COVERED









45

WHAT IS COVERED


SPECIAL CONDITIONS








WHAT IS NOT COVERED

















46















or telephone +44 (0)203 285 7996









47






48














49



A) Definitions













C) Membership



50



D) AIRPORT ANGEL














51



























J) Complaints



K) Applicable law












52

53



















54














34

SPECIAL CONDITIONS



WHAT IS NOT COVERED





WHAT IS COVERED










35

SPECIAL CONDITIONS






WHAT IS NOT COVERED














WHAT IS COVERED


SPECIAL CONDITIONS


36

WHAT IS NOT COVERED









WHAT IS COVERED


WHAT IS NOT COVERED











WHAT IS COVERED

BAGGAGE



37

PERSONAL MONEY



PASSPORT


SPECIAL CONDITIONS











WHAT IS NOT COVERED








38












or foot




WHAT IS COVERED


SPECIAL CONDITIONS


PROVISIONS





WHAT IS NOT COVERED



WHAT IS COVERED


39




SPECIAL CONDITIONS






WHAT IS NOT COVERED









WHAT IS COVERED




SPECIAL CONDITIONS



40






WHAT IS NOT COVERED













WHAT IS COVERED


SPECIAL CONDITIONS



WHAT IS NOT COVERED


41


WHAT IS COVERED



WHAT IS COVERED

Business Equipment




1 You die




SPECIAL CONDITIONS



WHAT IS NOT COVERED









WHAT IS COVERED

SKI EQUIPMENT


42

SKI EQUIPMENT HIRE


SPECIAL CONDITIONS



WHAT IS NOT COVERED


SKI PACK




SPECIAL CONDITIONS


WHAT IS NOT COVERED


PISTE CLOSURE



SPECIAL CONDITIONS



AVALANCHE CLOSURE


SPECIAL CONDITIONS



43


WHAT IS COVERED

GOLF EQUIPMENT


SPECIAL CONDITIONS


WHAT IS NOT COVERED





GREEN FEES




SPECIAL CONDITIONS



HOLE IN ONE BENEFIT


SPECIAL CONDITIONS





WHAT IS COVERED





44





SPECIAL CONDITIONS



WHAT IS NOT COVERED




WHAT IS COVERED


SPECIAL CONDITIONS





WHAT IS NOT COVERED









45

WHAT IS COVERED


SPECIAL CONDITIONS








WHAT IS NOT COVERED

















46















or telephone +44 (0)203 285 7996









47






48














49



A) Definitions













C) Membership



50



D) AIRPORT ANGEL














51



























J) Complaints



K) Applicable law












52

53



















54














35

SPECIAL CONDITIONS






WHAT IS NOT COVERED














WHAT IS COVERED


SPECIAL CONDITIONS


36

WHAT IS NOT COVERED









WHAT IS COVERED


WHAT IS NOT COVERED











WHAT IS COVERED

BAGGAGE



37

PERSONAL MONEY



PASSPORT


SPECIAL CONDITIONS











WHAT IS NOT COVERED








38












or foot




WHAT IS COVERED


SPECIAL CONDITIONS


PROVISIONS





WHAT IS NOT COVERED



WHAT IS COVERED


39




SPECIAL CONDITIONS






WHAT IS NOT COVERED









WHAT IS COVERED




SPECIAL CONDITIONS



40






WHAT IS NOT COVERED













WHAT IS COVERED


SPECIAL CONDITIONS



WHAT IS NOT COVERED


41


WHAT IS COVERED



WHAT IS COVERED

Business Equipment




1 You die




SPECIAL CONDITIONS



WHAT IS NOT COVERED









WHAT IS COVERED

SKI EQUIPMENT


42

SKI EQUIPMENT HIRE


SPECIAL CONDITIONS



WHAT IS NOT COVERED


SKI PACK




SPECIAL CONDITIONS


WHAT IS NOT COVERED


PISTE CLOSURE



SPECIAL CONDITIONS



AVALANCHE CLOSURE


SPECIAL CONDITIONS



43


WHAT IS COVERED

GOLF EQUIPMENT


SPECIAL CONDITIONS


WHAT IS NOT COVERED





GREEN FEES




SPECIAL CONDITIONS



HOLE IN ONE BENEFIT


SPECIAL CONDITIONS





WHAT IS COVERED





44





SPECIAL CONDITIONS



WHAT IS NOT COVERED




WHAT IS COVERED


SPECIAL CONDITIONS





WHAT IS NOT COVERED









45

WHAT IS COVERED


SPECIAL CONDITIONS








WHAT IS NOT COVERED

















46















or telephone +44 (0)203 285 7996









47






48














49



A) Definitions













C) Membership



50



D) AIRPORT ANGEL














51



























J) Complaints



K) Applicable law












52

53



















54














36

WHAT IS NOT COVERED









WHAT IS COVERED


WHAT IS NOT COVERED











WHAT IS COVERED

BAGGAGE



37

PERSONAL MONEY



PASSPORT


SPECIAL CONDITIONS











WHAT IS NOT COVERED








38












or foot




WHAT IS COVERED


SPECIAL CONDITIONS


PROVISIONS





WHAT IS NOT COVERED



WHAT IS COVERED


39




SPECIAL CONDITIONS






WHAT IS NOT COVERED









WHAT IS COVERED




SPECIAL CONDITIONS



40






WHAT IS NOT COVERED













WHAT IS COVERED


SPECIAL CONDITIONS



WHAT IS NOT COVERED


41


WHAT IS COVERED



WHAT IS COVERED

Business Equipment




1 You die




SPECIAL CONDITIONS



WHAT IS NOT COVERED









WHAT IS COVERED

SKI EQUIPMENT


42

SKI EQUIPMENT HIRE


SPECIAL CONDITIONS



WHAT IS NOT COVERED


SKI PACK




SPECIAL CONDITIONS


WHAT IS NOT COVERED


PISTE CLOSURE



SPECIAL CONDITIONS



AVALANCHE CLOSURE


SPECIAL CONDITIONS



43


WHAT IS COVERED

GOLF EQUIPMENT


SPECIAL CONDITIONS


WHAT IS NOT COVERED





GREEN FEES




SPECIAL CONDITIONS



HOLE IN ONE BENEFIT


SPECIAL CONDITIONS





WHAT IS COVERED





44





SPECIAL CONDITIONS



WHAT IS NOT COVERED




WHAT IS COVERED


SPECIAL CONDITIONS





WHAT IS NOT COVERED









45

WHAT IS COVERED


SPECIAL CONDITIONS








WHAT IS NOT COVERED

















46















or telephone +44 (0)203 285 7996









47






48














49



A) Definitions













C) Membership



50



D) AIRPORT ANGEL














51



























J) Complaints



K) Applicable law












52

53



















54














37

PERSONAL MONEY



PASSPORT


SPECIAL CONDITIONS











WHAT IS NOT COVERED








38












or foot




WHAT IS COVERED


SPECIAL CONDITIONS


PROVISIONS





WHAT IS NOT COVERED



WHAT IS COVERED


39




SPECIAL CONDITIONS






WHAT IS NOT COVERED









WHAT IS COVERED




SPECIAL CONDITIONS



40






WHAT IS NOT COVERED













WHAT IS COVERED


SPECIAL CONDITIONS



WHAT IS NOT COVERED


41


WHAT IS COVERED



WHAT IS COVERED

Business Equipment




1 You die




SPECIAL CONDITIONS



WHAT IS NOT COVERED









WHAT IS COVERED

SKI EQUIPMENT


42

SKI EQUIPMENT HIRE


SPECIAL CONDITIONS



WHAT IS NOT COVERED


SKI PACK




SPECIAL CONDITIONS


WHAT IS NOT COVERED


PISTE CLOSURE



SPECIAL CONDITIONS



AVALANCHE CLOSURE


SPECIAL CONDITIONS



43


WHAT IS COVERED

GOLF EQUIPMENT


SPECIAL CONDITIONS


WHAT IS NOT COVERED





GREEN FEES




SPECIAL CONDITIONS



HOLE IN ONE BENEFIT


SPECIAL CONDITIONS





WHAT IS COVERED





44





SPECIAL CONDITIONS



WHAT IS NOT COVERED




WHAT IS COVERED


SPECIAL CONDITIONS





WHAT IS NOT COVERED









45

WHAT IS COVERED


SPECIAL CONDITIONS








WHAT IS NOT COVERED

















46















or telephone +44 (0)203 285 7996









47






48














49



A) Definitions













C) Membership



50



D) AIRPORT ANGEL














51



























J) Complaints



K) Applicable law












52

53



















54














38












or foot




WHAT IS COVERED


SPECIAL CONDITIONS


PROVISIONS





WHAT IS NOT COVERED



WHAT IS COVERED


39




SPECIAL CONDITIONS






WHAT IS NOT COVERED









WHAT IS COVERED




SPECIAL CONDITIONS



40






WHAT IS NOT COVERED













WHAT IS COVERED


SPECIAL CONDITIONS



WHAT IS NOT COVERED


41


WHAT IS COVERED



WHAT IS COVERED

Business Equipment




1 You die




SPECIAL CONDITIONS



WHAT IS NOT COVERED









WHAT IS COVERED

SKI EQUIPMENT


42

SKI EQUIPMENT HIRE


SPECIAL CONDITIONS



WHAT IS NOT COVERED


SKI PACK




SPECIAL CONDITIONS


WHAT IS NOT COVERED


PISTE CLOSURE



SPECIAL CONDITIONS



AVALANCHE CLOSURE


SPECIAL CONDITIONS



43


WHAT IS COVERED

GOLF EQUIPMENT


SPECIAL CONDITIONS


WHAT IS NOT COVERED





GREEN FEES




SPECIAL CONDITIONS



HOLE IN ONE BENEFIT


SPECIAL CONDITIONS





WHAT IS COVERED





44





SPECIAL CONDITIONS



WHAT IS NOT COVERED




WHAT IS COVERED


SPECIAL CONDITIONS





WHAT IS NOT COVERED









45

WHAT IS COVERED


SPECIAL CONDITIONS








WHAT IS NOT COVERED

















46















or telephone +44 (0)203 285 7996









47






48














49



A) Definitions













C) Membership



50



D) AIRPORT ANGEL














51



























J) Complaints



K) Applicable law












52

53



















54














39




SPECIAL CONDITIONS






WHAT IS NOT COVERED









WHAT IS COVERED




SPECIAL CONDITIONS



40






WHAT IS NOT COVERED













WHAT IS COVERED


SPECIAL CONDITIONS



WHAT IS NOT COVERED


41


WHAT IS COVERED



WHAT IS COVERED

Business Equipment




1 You die




SPECIAL CONDITIONS



WHAT IS NOT COVERED









WHAT IS COVERED

SKI EQUIPMENT


42

SKI EQUIPMENT HIRE


SPECIAL CONDITIONS



WHAT IS NOT COVERED


SKI PACK




SPECIAL CONDITIONS


WHAT IS NOT COVERED


PISTE CLOSURE



SPECIAL CONDITIONS



AVALANCHE CLOSURE


SPECIAL CONDITIONS



43


WHAT IS COVERED

GOLF EQUIPMENT


SPECIAL CONDITIONS


WHAT IS NOT COVERED





GREEN FEES




SPECIAL CONDITIONS



HOLE IN ONE BENEFIT


SPECIAL CONDITIONS





WHAT IS COVERED





44





SPECIAL CONDITIONS



WHAT IS NOT COVERED




WHAT IS COVERED


SPECIAL CONDITIONS





WHAT IS NOT COVERED









45

WHAT IS COVERED


SPECIAL CONDITIONS








WHAT IS NOT COVERED

















46















or telephone +44 (0)203 285 7996









47






48














49



A) Definitions













C) Membership



50



D) AIRPORT ANGEL














51



























J) Complaints



K) Applicable law












52

53



















54














40






WHAT IS NOT COVERED













WHAT IS COVERED


SPECIAL CONDITIONS



WHAT IS NOT COVERED


41


WHAT IS COVERED



WHAT IS COVERED

Business Equipment




1 You die




SPECIAL CONDITIONS



WHAT IS NOT COVERED









WHAT IS COVERED

SKI EQUIPMENT


42

SKI EQUIPMENT HIRE


SPECIAL CONDITIONS



WHAT IS NOT COVERED


SKI PACK




SPECIAL CONDITIONS


WHAT IS NOT COVERED


PISTE CLOSURE



SPECIAL CONDITIONS



AVALANCHE CLOSURE


SPECIAL CONDITIONS



43


WHAT IS COVERED

GOLF EQUIPMENT


SPECIAL CONDITIONS


WHAT IS NOT COVERED





GREEN FEES




SPECIAL CONDITIONS



HOLE IN ONE BENEFIT


SPECIAL CONDITIONS





WHAT IS COVERED





44





SPECIAL CONDITIONS



WHAT IS NOT COVERED




WHAT IS COVERED


SPECIAL CONDITIONS





WHAT IS NOT COVERED









45

WHAT IS COVERED


SPECIAL CONDITIONS








WHAT IS NOT COVERED

















46















or telephone +44 (0)203 285 7996









47






48














49



A) Definitions













C) Membership



50



D) AIRPORT ANGEL














51



























J) Complaints



K) Applicable law












52

53



















54














41


WHAT IS COVERED



WHAT IS COVERED

Business Equipment




1 You die




SPECIAL CONDITIONS



WHAT IS NOT COVERED









WHAT IS COVERED

SKI EQUIPMENT


42

SKI EQUIPMENT HIRE


SPECIAL CONDITIONS



WHAT IS NOT COVERED


SKI PACK




SPECIAL CONDITIONS


WHAT IS NOT COVERED


PISTE CLOSURE



SPECIAL CONDITIONS



AVALANCHE CLOSURE


SPECIAL CONDITIONS



43


WHAT IS COVERED

GOLF EQUIPMENT


SPECIAL CONDITIONS


WHAT IS NOT COVERED





GREEN FEES




SPECIAL CONDITIONS



HOLE IN ONE BENEFIT


SPECIAL CONDITIONS





WHAT IS COVERED





44





SPECIAL CONDITIONS



WHAT IS NOT COVERED




WHAT IS COVERED


SPECIAL CONDITIONS





WHAT IS NOT COVERED









45

WHAT IS COVERED


SPECIAL CONDITIONS








WHAT IS NOT COVERED

















46















or telephone +44 (0)203 285 7996









47






48














49



A) Definitions













C) Membership



50



D) AIRPORT ANGEL














51



























J) Complaints



K) Applicable law












52

53



















54














42

SKI EQUIPMENT HIRE


SPECIAL CONDITIONS



WHAT IS NOT COVERED


SKI PACK




SPECIAL CONDITIONS


WHAT IS NOT COVERED


PISTE CLOSURE



SPECIAL CONDITIONS



AVALANCHE CLOSURE


SPECIAL CONDITIONS



43


WHAT IS COVERED

GOLF EQUIPMENT


SPECIAL CONDITIONS


WHAT IS NOT COVERED





GREEN FEES




SPECIAL CONDITIONS



HOLE IN ONE BENEFIT


SPECIAL CONDITIONS





WHAT IS COVERED





44





SPECIAL CONDITIONS



WHAT IS NOT COVERED




WHAT IS COVERED


SPECIAL CONDITIONS





WHAT IS NOT COVERED









45

WHAT IS COVERED


SPECIAL CONDITIONS








WHAT IS NOT COVERED

















46















or telephone +44 (0)203 285 7996









47






48














49



A) Definitions













C) Membership



50



D) AIRPORT ANGEL














51



























J) Complaints



K) Applicable law












52

53



















54














43


WHAT IS COVERED

GOLF EQUIPMENT


SPECIAL CONDITIONS


WHAT IS NOT COVERED





GREEN FEES




SPECIAL CONDITIONS



HOLE IN ONE BENEFIT


SPECIAL CONDITIONS





WHAT IS COVERED





44





SPECIAL CONDITIONS



WHAT IS NOT COVERED




WHAT IS COVERED


SPECIAL CONDITIONS





WHAT IS NOT COVERED









45

WHAT IS COVERED


SPECIAL CONDITIONS








WHAT IS NOT COVERED

















46















or telephone +44 (0)203 285 7996









47






48














49



A) Definitions













C) Membership



50



D) AIRPORT ANGEL














51



























J) Complaints



K) Applicable law












52

53



















54














44





SPECIAL CONDITIONS



WHAT IS NOT COVERED




WHAT IS COVERED


SPECIAL CONDITIONS





WHAT IS NOT COVERED









45

WHAT IS COVERED


SPECIAL CONDITIONS








WHAT IS NOT COVERED

















46















or telephone +44 (0)203 285 7996









47






48














49



A) Definitions













C) Membership



50



D) AIRPORT ANGEL














51



























J) Complaints



K) Applicable law












52

53



















54














45

WHAT IS COVERED


SPECIAL CONDITIONS








WHAT IS NOT COVERED

















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A) Definitions













C) Membership



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D) AIRPORT ANGEL














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J) Complaints



K) Applicable law












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or telephone +44 (0)203 285 7996









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A) Definitions













C) Membership



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D) AIRPORT ANGEL














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J) Complaints



K) Applicable law












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A) Definitions













C) Membership



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D) AIRPORT ANGEL














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J) Complaints



K) Applicable law












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A) Definitions













C) Membership



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D) AIRPORT ANGEL














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J) Complaints



K) Applicable law












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49



A) Definitions













C) Membership



50



D) AIRPORT ANGEL














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J) Complaints



K) Applicable law












52

53



















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50



D) AIRPORT ANGEL














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J) Complaints



K) Applicable law












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51



























J) Complaints



K) Applicable law












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J) Complaints



K) Applicable law












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