GREATER MANCHESTERPOLICE FEDERATIONTRAVEL INSURANCE POLICY

Effective from 1 April 2017

Scheme Reference RTYEP/40064-03/2017

Arranged exclusively for members of the Greater Manchester Police Federation and their families.Valid for travel commencing no later than 31st March 2018.Beneficiaries are covered in accordance with the full wording shown herein up to the limits indicated below. The limits apply perperson for each separate trip. The excesses apply for each person and each section of each claim.

Maximum age at start/renewal of cover 69 yearsMaximum period per trip 60 daysBusiness travel for main policy holder only YesHome country trips (min of 1 night using pre-booked paid accommodation or internal flight) Yes Family members can travel separately YesWintersports - up to total maximum of 17 days (under 65's only)*Maximum excess of £100 per policy per incident **loss of deposit claims only

ANNUAL MULTI-TRIP POLICY FEATURES

DESCRIPTION OF COVER LIMITS EXCESS* 1 Cancellation or curtailment £5,000 £50 (£20**) 2 Emergency medical expenses £10,000,000 £50 - including emergency repatriation - including relatives additional expenses - including emergency dental treatment £350 3 Hospital stay benefit (amount per day) £500 (£20) Nil 4 Personal accident - loss of sight, limb(s) or permanent total disablement £20,000 Nil - maximum payable in the event of death £5,000 Nil - maximum payable in the event of death if under 16 £2,000 5 Travel delay £ after 12 hrs delay max £50 Nil - abandonment (after 24 hours) £5,000 £50 6 Missed departure £500 Nil 7 Hijack (amount per day) £1,000 (£100) Nil 8 Baggage and valuables - overall limit £2,000 £50 - maximum per item, pair or set £750 - emergency purchases £150 Nil 9 Personal money £500 £50 10 Loss of passport £250 Nil 11 Public liability £2,000,000 £100 12 Catastrophe cover £500 Nil 13 Legal expenses - max per person/overall limit £25,000 £100 14 Ski equipment - overall limit £500 £50 - maximum per item or pair owned £300 £50 - maximum per item or pair hired £150 Nil 15 Ski pack £300 £50 16 Piste closure (amount per day) £300 (£20) Nil 17 Journey disruption cover - extended cancellation or curtailment £5,000 £50 - extended travel delay £ after 12 hrs delay max £50 Nil - abandonment £3,000 £50 - extended missed departure £500 £50 - accommodation cover £3,000 £50

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The policy will not cover you if any of the following apply to you, a travelling companion, relative, business colleague or non-traveller atthe policy start date and each time you make arrangements for a trip.

1. You/they were aware of any reason why the trip could be cancelled or curtailed.2. You/they were travelling against the advice of a medical practitioner or in order to get medical treatment abroad.3. You/they have been diagnosed as having a terminal illness 4. You/they are on a waiting list for surgery, treatment, or investigation at a hospital or are awaiting the results of hospital tests orinvestigations.

If there is any change in a person’s health between the date the policy is issued and the start date of a trip you must still comply with theimportant conditions relating to health. If you are unsure please notify Voyager Insurance on 01483 806816 immediately.

IMPORTANT CONDITIONS RELATING TO HEALTH

24 HR MEDICAL EMERGENCY AND REPATRIATION SERVICEThe nominated emergency service referred to in thispolicy is operated by Emergency Assistance Facilities+44 (0) 203 829 6745.Our nominated emergency service has the medical expertise,contacts and facilities to help should you be injured in an accidentor fall ill. Our nominated emergency service will also arrangetransport to your home country when this is considered to bemedically necessary or when you have notice of illness or deathof a relative at home. Youmust contact them if you are admittedto hospital and wish to return home by any means other thanoriginally booked or require treatment that will cost more than£500 (or the equivalent in local currency).

In the case of a medical emergency please contact our nominatedemergency service, Emergency Assistance Facilities, on+44 (0) 203 829 6745. They are open 24 hours a day, 7 days aweek, 365 days a year.

Payment for medical treatment abroadIf you are admitted to a hospital/clinic while abroad, ournominated emergency service will arrange for medical expensescovered by the policy to be paid direct to the hospital/clinic. Totake advantage of this benefit someone must contact ournominated emergency service for you as soon as possible.Private medical treatment is not covered unless authorisedspecifically by our nominated emergency service.

SPECIAL NOTICEThis is not a private medical insurance and only gives cover in theevent of an accident or sudden illness that requires emergencytreatment. In the event of any medical treatment becomingnecessary which results in a claim under this insurance, youwill beexpected to allow insurers or their representatives unrestrictedreasonable access to all yourmedical records and information.

RECIPROCAL HEALTH AGREEMENTSEU, EEA or SwitzerlandIf you are travelling to countries within the European Union (EU),the European Economic Area (EEA) or Switzerland you arestrongly advised to obtain a European Health Insurance Card(EHIC). You can apply for an EHIC online at www.ehic.org.uk or bytelephoning 0300 3301 350. This will entitle you to benefitfrom the health care arrangements which exist betweencountries within the EU/EEA or Switzerland. In the event ofliability being accepted for a medical expense which has beenreduced by the use of a European Health Insurance Card we willnot apply the deduction of excess under section 2 - emergencymedical expenses.

Australia or New ZealandIf you require medical treatment in Australia youmust enrol with alocal MEDICARE office. You do not need to enrol on arrival but youmust do this after the first occasion you receive treatment.Inpatient and out-patient treatment at a public hospital is thenavailable free of charge. Details of how to enrol and the freetreatment available can be found by visiting the MEDICAREwebsite on www.humanservices.gov.au/medicare or by emailingmedicare@humanservices.gov.au. If you require medical treatment in New Zealand, there arereciprocal agreements, but a person may not enrol with a PrimaryHealth Organisation (PHO). They should get the same healthsubsidies as a New Zealand citizen visiting a general practitioneras a casual patient, if the medical practitioner has decided thecondition needs prompt attention. For more information, pleasego to www.health.govt.nz or email info@health.govt.nzAlternatively please call our nominated emergency service forguidance. If you are admitted to hospital contact must be made with ournominated emergency service as soon as possible and theirauthority obtained in respect of any treatment NOT availableunder MEDICARE or a Primary Health Organisation (PHO).

PERIOD OF INSURANCEIf you have paid the appropriate annual multi-trip travel insurancepremium and you are under 70 years old, the overall period ofinsurance shall start from 1st April 2017 and shall expire on 31stMarch 2018. This insurance then covers an unlimited number ofholiday/leisure trips starting within that period, except that nocover exists at all for a trip if it is intended to be for longer than 60days (unless agreed by us and confirmed in writing). Wintersportsare covered up to a total of 17 days in each period of insuranceprovided you are aged under 65.Except as stated below, cover for each separate trip under thisinsurance starts when you leave your home or place of businessin your home country at the start of your trip and finishes as soonas you return to your home or place of business in your homecountry for any reason.For cancellation only (section 1), cover starts from 1st April 2017 orthe date you book your trip, whichever is the later. personalmoney (section 9) will be covered from the time of collection butnot more than 72 hours before you travel.If you are going on a one-way trip all cover will finish 48 hoursafter your arrival in the country of final destination. If your returnis unavoidably delayed for an insured reason, cover will beextended free of charge for the period of delay.

TERRITORIAL LIMITSYou are covered to travel anywhere in the world outside yourhome country. Trips wholly within your home country are alsoinsured but only if they include a minimum of one night away fromhome using pre-booked paid accommodation or involve aninternal flight.Please note this policy excludes all cover in respect of travel toAfghanistan, Liberia & Sudan.

HOW TO MAKE A CLAIMFor all claims other than medical emergencies please notify theclaims handlers either by contacting the telephone number belowor via their website. Please quote: Greater Manchester PoliceFederation.

Philip Williams ClaimsTel 01925 600842Email travel-claims@philipwilliams.co.uk35, Walton Rd, Stockton Heath, Warrington, Cheshire, WA4 6NW

Please do not send in any documentation until you have acompleted claim form to go with it. The claim form lists theadditional documentation necessary to support your claim.Always make sure that any loss or theft of valuables or any itemsare reported to the police within 24 hours of discovering the lossor as soon as possible after that, and a written report obtained inthe country where the incident occurred. If your baggage isdamaged or lost in transit whilst “checked-in” youmust report itto the handling agents or airline as soon as possible on collectionand obtain a Property Irregularity Report. These reports (ifapplicable to your claim), together with all available receipts andany other requested documentation, must be submitted withyour claim form.

INSURERSThis insurance is arranged by Voyager Insurance Services Ltd andUnderwritten by Travel Insurance Facilities and Insured by UnionReiseversicherung AG, UK. Our registered address is 1 TowerView, Kings Hill, West Malling, Kent, ME19 4UY. Authorised andregulated by the Financial Conduct Authority. RegisteredNumber: 3220410. Member of the Association of British Insurers.You can check these details on the Financial Services Register byvisiting the FCA’s website on www.fca.org.uk/register or bycontacting them on 0800 111 6768.

OUR REGULATORVoyager Insurance Services Ltd and Philip Williams & Co areauthorised and regulated by the Financial Conduct Authority.These details can be checked on the Financial Services Registerby visiting the FCA’s website at www.fca.org.uk/register or by

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contacting them on 0800 111 6768 (freephone) or 0300 5008082 from the UK, or +44 207 066 1000 from abroad.

IMPORTANT INFORMATIONUnder European Union (EU) travel regulations, you are entitled toclaim compensation from your carrier if any of the followinghappen:1. Denied boarding and cancelled flights If you check in on time but you are denied boarding because thereare not enough seats available or if your flight is cancelled, theairline operating the flight must offer you financial compensation.2. Long delays If you are delayed for two hours or more, the airline must offeryou meals and refreshments, hotel accommodation andcommunication facilities. If you are delayed for more than fivehours, the airline must also offer to refund your ticket.3. Luggage If your checked-in luggage is damaged or lost by an EU airline, youmust claim compensation from the airline within 7 days. If yourchecked-in luggage is delayed, you must claim compensationfrom the airline within 21 days of its return.4. Death or injury If you are injured in an accident on a flight by an EU airline, youmay claim damages from the airline. If you die as a result of theseinjuries your family may claim damages from the airline. Full details are available athttp://europa.eu/youreurope/citizens/travel/passenger-rights/index_en.htm

FINANCIAL SERVICES COMPENSATION SCHEMEWe are covered by the Financial Services Compensation Scheme.Youmay be entitled to compensation from the scheme if we areunable to meet our obligations to you under this contract. If youare entitled to compensation under the scheme, the level andextent of the compensation would depend on the nature of thiscontract. Further information can be obtained from the FinancialServices Compensation Scheme, 10th Floor, Beaufort House, 15St Botolph Street, London, EC3A 7QU. Tel: 0800 678 1100 or 0207741 4100 and on their website at www.fscs.org.uk.

CHOICE OF LAW AND JURISDICTION This policy, schedule and any endorsements shall be governed byand construed in accordance with the law of England and Wales.Each party agrees that the Courts of England and Wales shallhave exclusive jurisdiction in respect of any dispute which mayarise out of or in connection with this policy or any claim.

INTEREST No sum payable under this policy shall carry interest.

RIGHTS OF THIRD PARTIES The Contracts (Rights of Third Parties) Act 1999 or anyamendment thereto shall not apply to this policy. Only you and wecan enforce any terms of this policy which may be varied orcancelled without consent of any third party.

DEFINITIONSListed below are certain words that appear throughout the policy.In all cases they will be shown in bold and will have the meaningsshown below.Accident / accidental means a sudden, unexpected, unusual,specific, violent, external event, which occurs at a singleidentifiable time and place and independently of all other causes,resulting directly, immediately and solely in physical bodily injurywhich results in a loss.Baggagemeans personal belongings, including clothing worn, andpersonal luggage owned by you that you take with you or buy onyour trip but excluding valuables and the items specificallyexcluded in section 8 - baggage.Beneficiarymeans subscribing member, their cohabiting partnerand any number of their dependent children aged under 22 years,all normally residing together in their family home. You must beresident in the United Kingdom, Channel Islands or Isle of Man and

registered with a medical practitioner in your home country.Breakdown means that the vehicle in which you are travellingstops as a result of mechanical or electrical failure due to anycause other than lack of fuel, oil or water.Business colleaguemeans any person that youwork closely withwhose absence for a period of one or more complete daysnecessitates the cancellation or curtailment of the trip ascertified by a director of the business.Curtailment/curtail means cutting your planned trip short byearly return to your home country or admission to hospital as aninpatient so that you lose the benefit of accommodation youhave paid for or being confined to your accommodation.Europe means the continent of Europe West of the Uralmountains, any country with a Mediterranean coastline, theCanary Islands, Madeira and Iceland.Expert witness means a person who testifies in a court of lawbecause they have specialist knowledge in a particular field orarea of expertise, entitling that person to testify about theiropinion on the meaning of facts.Family means subscribing member, their cohabiting partner andany number of their dependent children aged under 22 years, allnormally residing together in their family home.Home means your normal place of residence in the UnitedKingdom, Channel Islands or Isle of Man.Home country means whichever one of the United Kingdom,Channel Islands or Isle of Man is your usual place of residence.Medical practitioner means a registered practising member of themedical profession registered in the country where you aretreated who is not related to you or any person with whom youare travelling.Mugging means a violent, threatening attack by a third partycausing actual bodily harm.Non-traveller means your relatives or business colleagues whoare not travelling with you, and people with whom you havearranged to stay.Personal money means cash, being banknotes and coins,travellers’ cheques and postal orders, travel tickets andaccommodation vouchers carried by you for your personal use.Public transport means buses, coaches, ships and or ferries,domestic flights or trains that run to a published scheduledtimetable.Relativemeans husband or wife or civil partner (or named partnerwith whom you are living at the same address), parent,grandparent, parent-in-law, brother, sister, child, grandchild,brother-in-law, sister-in-law, son-in-law, daughter-in-law orfiancé(e).Ski equipment means skis, snowboards, ski-poles, bindings, skiboots and snowboard boots.Terrorism means an act, including but not limited to the use offorce or violence and/or threat thereof, of any person or group(s)of persons, whether acting alone or on behalf of or in connectionwith any organisation(s) or governments, committed for political,religious, ideological or similar purposes including the intention toinfluence any government and/or to put the public, or any sectionof the public, in fear.Tripmeans any holiday, leisure or business trip which starts andends in your home country for which you have paid theappropriate premium.Unattended means out of your immediate control andsupervision such that you are unable to prevent loss, theft ordamage occurring.Utilisation of nuclear, chemical or biological weapons of massdestruction means the use of any explosive nuclear weapon ordevice; or the emission, discharge, dispersal, release or escape of:fissile material emitting a level of radioactivity, or any pathogenic(disease producing) micro-organism(s) and/or biologicallyproduced toxin(s) (including genetically modified organisms andchemically synthesised toxins), or any solid, liquid or gaseouschemical compound which, when suitably distributed; which iscapable of causing incapacitating disablement or death amongstpeople or animals.Valuables means watches, furs, jewellery, photographicequipment, binoculars, telescopes, spectacles, sunglasses,

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electronic equipment and its media, musical instruments andunset precious stones.*Please note that exclusions may apply for valuables that arelost, damaged or stolen whilst as checked-in baggage. It istherefore important that you store your valuables in your carry-on or hand luggage and they are under your supervision at alltimes.We, us and our means Union Reiseversicherung AG, UK, 1 TowerView, Kings Hill, West Malling, Kent, ME19 4UY Winter sportsmeans cross country skiing (Nordic skiing), glacierskiing, recreational racing, snowmobiling, mono skiing, off pisteskiing or snowboarding (providing local safety guidelines andwarnings are observed), on piste skiing or snowboarding,snowblading and sledging.You and yourmeans the beneficiary

SECTION 1 CANCELLATION OR CURTAILMENTCover under this section starts from the date shown in yourdocumentation or the date travel is booked, whichever is the later.

You are covered up to the amount shown in the benefits table foryour proportionate share of the unused travel andaccommodation costs (including unused pre booked excursionsup to a value of £150) that have been paid or where there is acontract to pay that cannot be recovered from anywhere else if itis necessary to cancel or curtail the planned trip because of any ofthe following events involving you or a travelling companion thatfirst occur during the period of insurance:-a. i. unforeseen injury, illness or death, orii. unforeseen complications arising as a direct result ofpregnancy;suffered by you, a travelling companion or a non-traveller.b. the accidental injury, illness or death of your relative or that ofa travelling companion, a business colleague or person withwhom you intended to stay.c. receipt of a summons for jury service, being subpoenaed as acourt witness, called to court as a witness (but not as an expertwitness) or being placed in compulsory quarantine.d. unexpected requirement for emergency and unavoidable dutyas a member of the police, fire, nursing, ambulance or coastguardservices resulting in cancellation of previously agreed leave.e. redundancy, provided that you are entitled to payment underthe current redundancy payments legislation and that at the timeof booking your trip you had no reason to believe that youwouldbe made redundant. You must have had 2 years continuousemployment with that employer.f. your presence being required to make your property safe andsecure following fire, flood or burglary that causes seriousdamage at your homewithin 48 hours prior to your departure, orwhilst you are away.g.your car becoming unusable as a result of theft, fire or accidentwithin 7 days prior to your departure. This only applies if you areplanning to go on a self-drive trip in the car.

You are not covered fora. the amount of the excess shown in the benefits table.b. anything not included in You are covered above.c. any directly or indirectly related claims if any of the followingapply to you, a travelling companion, a relative or businesscolleague at the policy start date and each time you makearrangements for a trip 1. You/they were aware of any reason why the trip could be cancelled or curtailed. 2. You/they were travelling against the advice of a medical practitioner or in order to get medical treatment abroad. 3. You/they have been diagnosed as having a terminal illness. 4. You/they are on a waiting list for surgery, treatment, or investigation at a hospital or are awaiting the results of hospital tests or investigations.d. any claim related to the health of a non-traveller if you madearrangements for your trip in the knowledge that their state ofhealth is likely to cause you to cancel or amend your travel plans,unless agreed by usand confirmed in writing. If youare in any doubt,please call Voyager Insurance Services Ltd on01483 806 816.

e. any costs incurred in respect of visas obtained in connectionwith the trip.f. disinclination to travel.g. claims arising from your anxiety, stress, depression or anyother mental or nervous disorder unless you provide a medicalcertificate from a registered mental health professional statingthat this necessarily prevented you from travelling.h. failure to obtain the necessary passport, visa, vaccinations andinoculations or permit for your trip.i. the cost of your unused original tickets where our nominatedemergency service or we have arranged and paid for you to comehome following curtailment of the trip. If however you have notpurchased a return ticket, we reserve the right to deduct the costof an economy flight from any additional costs we have incurredwhich are medically necessary to repatriate you to your home.Please note that curtailment claims will be calculated from theday you return to your home country or you are hospitalised asan in-patient so that you lose the benefit of accommodation youhave paid for, or being confined to your accommodation. Yourclaim will be based solely on the number of complete nights’accommodation lost. In respect of travel expenses, wewill pay forany additional costs but not for the loss of your pre-bookedarrangements.

ConditionsIt is a requirement of this insurance that if you;a. (for cancellation) become aware of any circumstances whichmake it necessary for you to cancel your trip, you must adviseyour tour operator or travel agent in writing within 48 hours. Themaximum amount we will pay will be limited to the applicablecancellation charges at that time.b. (for curtailment) wish to return home differently to youroriginal plans and claim any additional costs under this insurance,you must contact our nominated emergency service and obtaintheir agreement to the new arrangements. Failure to do so will affect the assessment of your claim.

Please also refer to the general exclusions and conditions.

SECTION 2 EMERGENCY MEDICAL EXPENSESYou are covered up to the amount shown in the benefits table foreither the necessary costs incurred as a result of yourunforeseen bodily injury, illness, death or complications arising asa direct result of pregnancy during your trip in respect of:-a. emergency medical, surgical and hospital treatment andtransportation. At the sole discretion of our nominatedemergency service, who reserve the right to make the finaldecision as to whether or not it is medically necessary, this alsoincludes the cost of repatriation to your home country, bywhatever means deemed medically necessary. The cost ofemergency dental treatment to natural teeth is covered up to theamount shown in the benefits table provided that it is for theimmediate relief of pain only.b. additional travel and accommodation expenses (on a bed andbreakfast basis) to enable you to return home if you are unable totravel as originally planned.c. additional travel and accommodation expenses (on a bed andbreakfast basis) for; i. a travelling companion to stay with you and accompany you home, or ii. a relative or friend to travel from your home country to stay with you and accompany you home.d. returning your remains to your home or of a funeral in thecountry where you die, up to the equivalent cost of returning yourremains to your home country.e. with the prior agreement of our nominated emergencyservice, your necessary additional travel expenses to returnhome following the death, injury or illness of a travellingcompanion or of your relative or business colleague in your homecountry.

You are not covered fora. the amount of the excess shown in the benefits table inrespect of each claim unless a recovery can be made under theterms of the EHIC or any other reciprocal agreement.

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b. any directly or indirectly related claims if any of the followingapply to you, a travelling companion, a relative or businesscolleague at the policy start date and each time you makearrangements for a trip. 1. You/they were aware of any reason why the trip could be cancelled or curtailed. 2. You/they were travelling against the advice of a medical practitioner or in order to get medical treatment abroad. 3. You/they have been diagnosed as having a terminal illness. 4. You/they are on a waiting list for surgery, treatment, or investigation at a hospital or are awaiting the results of hospital tests or investigations.c. any claim related to the health of a non-traveller if you madearrangements for your trip in the knowledge that their state ofhealth is likely to cause you to cancel or amend your travel plans,unless agreed by usand confirmed in writing. If youare in any doubt,please call Voyager Insurance Services Ltd. on01483 806 816.d. any treatment or surgery; i. which is not immediately necessary and can wait until you return home. ii. which in the opinion of our nominated emergency service is considered to be cosmetic, experimental or elective. iii. carried out in your home country or more than 12 months after the expiry of this insurance.e. any expenses incurred after the date which, in the opinion ofour nominated emergency service, you should be moved to analternative facility or repatriated to your home country, butdespite which advice, you decide not to be moved or repatriated.f. any expenses related to treatment or services provided by ahealth spa, convalescent or nursing home or any rehabilitationcentre unless agreed by our nominated emergency service.g. any expenses incurred in England, Scotland, Wales or NorthernIreland that are funded by, or are recoverable from, the healthauthority in your home country.h. any expenses for treatment not related to the injury or illnesswhich necessitated your admittance to hospital.i. normal pregnancy, without any accompanying bodily injury,illness or complication. This section is designed to provide coverfor unforeseen events, accidents and illnesses and normalchildbirth would not constitute an unforeseen event.j. exploratory tests unless they are normally conducted as a directresult of the condition which required referral to hospital.k. claims related to manual labour unless declared to and acceptedby insurers.l. the additional costs of accommodation in a single or privateroom, unless it is medically necessary or there is no alternative.m. the costs of medication or treatment that you knew at the timeof your departure would need to be continued during your trip.n. the costs of replacing or repairing false teeth or of dental workinvolving the use of precious metals.o. the cost of your unused original tickets where our nominatedemergency service or we have arranged and paid for you to comehome following curtailment of the trip. If however you have notpurchased a return ticket, we reserve the right to deduct the costof an economy flight from any additional costs we have incurredwhich are medically necessary to repatriate you to your home.

Please note that it is essential under the terms of this insurancethat:a. in the event of any illness, injury, accident or hospitalisationinvolving anyone insured under this policy where the anticipatedcosts are likely to exceed £500 (or the equivalent in localcurrency) you must notify our nominated emergency service.They will direct you to an appropriate medical facility and may beable to guarantee costs on your behalf. If is not possible to notifythem in advance because the condition requires immediatetreatment to save life or limb our nominated emergency servicemust be contacted as soon as possible. Failure to do so will affectthe assessment of your claim.b. wherever possible you must use medical facilities that entitleyou to the benefits of any reciprocal health agreement such asthe EHIC in Europe and MEDICARE in Australia or the reciprocalhealth agreement in New Zealand.

Important note on mobile phonesMobile phones are convenient, but expensive. Even if you asksomeone to call you back on your mobile phone, you may stillhave to pay the bill for the international element. You will also becharged for calls made on a mobile phone via a freephone number.For these reasons we ask that wherever possible you contact usfrom a landline. If it is absolutely essential that you do use a mobilephone, then we will consider reimbursing the charges to amaximum of £50, if we believe they have been necessarilyincurred.

Please also refer to the general exclusions and conditions.

SECTION 3 HOSPITAL STAY BENEFITYou are covered for the amount shown in the benefits table foreach night spent receiving in-patient hospital treatment outsideof your home country that is covered under section 2 -emergency medical expenses.

Please also refer to the exclusions and conditions relating tosection 2 - emergency medical expenses and the generalexclusions and conditions.

SECTION 4 PERSONAL ACCIDENTYou are covered for the amount shown in the benefits table ifyou have an accident whilst you are on your tripwhich is the soleand independent cause of your death, permanent totaldisablement, loss of sight or loss of limb(s) within 12 months ofthe accident.If you are aged under 16 at the date of the accident, the amountyou are covered for in the event of your death is shown in thebenefits table.Payment under this section in respect of all the consequences ofan accident shall be limited in total to the amount shown in thebenefits table.In the event of your death within 12 months of the accident, thetotal payment will be limited to the amount shown for death.“Permanent total disablement” means that for the twelvemonths following your accident you are totally unable to work inany and every occupation and at the end of that time there is noprospect of improvement.“Loss of limb(s)” means physical loss of a hand or foot orcomplete loss of use of a hand, arm, foot or leg.“Loss of sight” means total and permanent loss of sight whichshall be considered as having occurred;a. in both eyes if your name has been added to the Register ofBlind Persons on the authority of a fully qualified ophthalmicspecialist, orb. in one eye if the degree of sight remaining after correction is3/60 or less on the Snellen scale.

You are not covered fora. claims arising out of manual labour.b. a “permanent total disablement” claim if at the date of theaccident you are over the age of 65 years and are not in full timepaid employment.c. the contracting of any disease, illness and/or medical condition.d. the injection or ingestion of any substance.e. any event which directly or indirectly exacerbates a previouslyexisting physical bodily injury.f. more than one of the benefits relating to the same injury.

Special condition relating to section 4 - personal accidentThe death benefit will be paid to the deceased person's estate.

Please also refer to the general exclusions and conditions.

SECTION 5 TRAVEL DELAY AND ABANDONMENTTravel delayYou are covered up to the amounts (a), (b) and (c) shown in thebenefits table if the arrival of the public transport on which youare booked to travel is delayed by at least 12 hours.(a) for the first complete 12 hour period of delay and (b) for eachsubsequent complete 12 hour period, up to the maximum payable (c).

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AbandonmentHowever if you are delayed on your outward journey from yourhome country such that you will arrive at your destination morethan 24 hours after the original scheduled arrival time and youchoose to abandon your trip instead of a payment for delay youare covered for the cost of the trip, up to the maximum claimableunder section 1 - cancellation or curtailment.

You are not covereda. for a claim caused by a strike if it had started or beenannounced before you arranged this insurance or booked yourtrip, whichever is the later.b. if you fail to check-in on time.c. if transport services are withdrawn as the result of arecommendation or instruction from the Civil Aviation Authority,Port Authority or similar body.d. for the amount of the excess shown in the benefits table inrespect of each claim for abandonment.e. to claim under this section if you have claimed under section 6- missed departure, from the same cause.

Please also refer to the general exclusions and conditions.

SECTION 6 MISSED DEPARTUREYou are covered up to the amount shown in the benefits table fornecessary additional travel and accommodation expenses (on abed and breakfast basis) that you incur in reaching yourdestination if you arrive at any departure point shown on yourpre-booked itinerary too late to board the public transport onwhich you are booked to travel as a result of;a. the failure of public transport, orb. a road traffic accident or vehicle breakdown delaying thevehicle in which you are travelling.

You are not covereda. for a claim caused by a strike if it had started or beenannounced before you arranged this insurance or booked yourtrip, whichever is the later.b. to claim under this section if you have claimed under section 5 - travel delay, from the same cause.c. for any claim for more than the cost of the original booked trip.

ConditionsIt is a requirement of this insurance that youmust:-a. have planned to arrive at your departure point in advance ofyour earliest scheduled check-in time and provide a writtenreport from the carrier, police or relevant transport authorityconfirming the delay and stating its cause.b. obtain a report from repairers if your claim is because ofbreakdown or accident to your car.

Please also refer to the general exclusions and conditions.

SECTION 7 HIJACKYou are covered up to the amounts shown in the benefits table ifthe aircraft on which you are travelling as a passenger or the crewof the aircraft are hijacked.

You are not covered for claims arising from you, your family oryour business connections having been or being engaged in illegalactivities that could reasonably be expected to increase the riskof hijack.

Please also refer to the general exclusions and conditions.

SECTION 8 BAGGAGEYou are covered up to the amounts shown in the benefits table,after making reasonable allowance for wear, tear anddepreciation for the loss or theft of, or damage to your baggageand your valuables, subject to the maximum amount per item, pairor set as shown in the benefits table.We may at our option replace, reinstate or repair the lost ordamaged baggage.

You are also covered up to the amount shown in the benefitstable in respect of emergency purchases for the cost of buyingnecessary items (for example clothing, medication and toiletries)

if you are deprived of your baggage for more than 12 hours afterarrival at your outbound destination. You must provide receiptsfor the items that you buy. If your baggage is permanently lost,any amount that we pay for emergency purchases will bededucted from the total claim.

You are not covered fora. the amount of the excess shown in the benefits table inrespect of each claim, except for emergency purchases.b. more than the amount shown in the benefits table for any oneitem, pair or set in respect of baggage and valuables.c. any additional value an item may have because it forms part ofa pair or set.d. baggage stolen from an unattendedmotor vehicle between thehours of 8 p.m. and 8 a.m. or, if the theft occurs at any other timeof day, unless the vehicle is being used for travel betweendifferent points of overnight accommodation.e. loss or theft of or damage to valuables whilst they areunattended unless locked in a hotel safe (or equivalent facility) orlocked in your private accommodation.f. breakage of fragile articles unless caused by fire or by anaccident to the aeroplane, ship or vehicle in which they are beingcarried.g. loss or theft of or damage; i. to household goods, bicycles, waterborne craft and their fittings of any kind. ii. to motor vehicles, trailers or caravans or any fixtures, fittings or accessories therein or thereon. iii. to watersports and ski equipment. iv. to contact lenses, dentures and hearing aids. v. to baggage in transit unless reported to the carrier as soon as possible and a written Property Irregularity Report is obtained.

PLEASE NOTE THAT THESE ITEMS CAN OFTEN BE INSUREDON A HOUSEHOLD POLICY ALL RISK SECTION WHERETHE FULL VALUE MAY BE COVERED WORLDWIDE 365 DAYSA YEAR. vi. to baggage sent by post, freight or any other form of unaccompanied transit. vii. to sports clothes and equipment whilst in use. viii. caused by moth or vermin or by gradual wear and tear in normal use. ix. caused by any process of cleaning, repairing or restoring. x. caused by leakage of powder or fluid from containers carried in your baggage.h. mechanical or electrical breakdown.i. loss, theft or damage to business equipment, business goods,samples, tools of trade and any other items used in connectionwith your business, trade, profession or occupation.

Please also refer to the special exclusions and conditions shownbelow and to the general exclusions and conditions.

SECTION 9 PERSONAL MONEYCover under this section starts at the time of collection from thebank, or 72 hours prior to departure, whichever is the later.

You are covered up to the amount shown in the benefits table forloss or theft of personal money.

You are not covered fora. the amount of the excess shown in the benefits table in respectof each claim.b. loss or theft from an unattendedmotor vehicle at any time.c. more than the amount shown in the benefits table in respect ofcash carried by youwhoever it may belong to.d. any loss resulting from shortages due to error, omission ordepreciation in value or variations in exchange rates.e. loss or theft of personal money whilst unattended unlesslocked in a hotel safe (or equivalent facility) or locked in yourprivate accommodation.

Please also refer to the special exclusions and conditions shown below and to the general exclusions and conditions.

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SECTION 10 LOSS OF PASSPORTYou are covered up to the amount shown in the benefits tablefollowing loss or theft of your passport for any additionalnecessary travel and accommodation costs, including the cost ofany emergency passports, visas or permits incurred to enableyou to continue your trip or return to your home country.

You are not covered fora. loss or theft from an unattended motor vehicle at any time orfrom baggage whilst in transit unless you are carrying itb. the cost of a permanent replacement for the passport itself.

Please also refer to the special exclusions and conditions shownbelow and to the general exclusions and conditions.

Special exclusions applicable to sections 8, 9 and 10You are not covered fora. loss or theft of anything left unattended in a public place,including on a beach.b. loss or theft of valuables, personal money, passport and anyitem unless reported to the police within 24 hours of discoveringthe loss, or as soon as possible after that, and a written reportobtained in the country where the incident occurred.c. loss of bonds or securities of any kind.d. delay, detention, seizure or confiscation by customs or otherofficials.

Special conditions applicable to sections 8, 9 and 10It is a requirement of this insurance that youmust:a. in the event of a claim, i. provide receipts or other documentation to prove ownership and value, especially in respect of valuables and ii. retain any damaged items for our inspection.b. take care of your property at all times and take all practicalsteps to recover any item lost or stolen. Failure to exercise allreasonable care may result in your claim being reduced ordeclined.

Please also refer to the general exclusions and conditions.

SECTION 11 PUBLIC LIABILITYYou are covered up to the amount shown in the benefits table(inclusive of legal costs and expenses), incurred with ourwrittenconsent, if you are held legally liable to pay as compensation forany claim or series of claims arising from any one event or sourceof original cause if you are held legally liable for causing;a. accidental bodily injury, including death, illness and disease to aperson, and/or b. accidental loss of or damage to material property (propertythat is both material and tangible).

You are not covered fora. the amount of the excess shown in the benefits schedule inrespect of each claim. b. any liability for; i. bodily injury, illness or disease of any person who is your relative, a travelling companion, or under a contract of employment, service or apprenticeship with youwhen the bodily injury, illness or disease arises out of and in the course of their employment to you. ii. loss or damage to property belonging to or held in trust by or in the custody or control of you other than temporary accommodation occupied by you in the course of the journey. iii. bodily injury or damage caused directly or indirectly in connection with the ownership, possession or use by youor on behalf of you of aircraft, hovercraft, watercraft (other than non-mechanically powered watercraft less than 30 feet in length used on inland waters), mechanically propelled vehicles (other than golf buggies used on golf courses and not on public roads), firearms (other than sporting guns). iv. bodily injury caused directly or indirectly in connection with the ownership, possession or occupation of land or buildings, immobile property or caravans or trailers, any wilful or malicious act, carrying on of any trade, business or

profession, any racing activity. v. fraudulent, dishonest or criminal acts of you or any person authorised by you. vi. any claim resulting from venereal disease, sexually transmitted diseases, infection with the Human Immunodeficiency Virus (HIV) or Acquired Immune Deficiency Syndrome (AIDS) or AIDS Related Complex (ARC) howsoever this syndrome has been acquired or may be named. vii. any claim assumed by youunder any contract or agreement unless such liability would have attached in the absence of such contract or agreement. viii. punitive or exemplary damages.

Conditionsa. you or your legal representatives will give us written noticeimmediately if you have received notice of any prosecution orinquest in connection with any circumstances which may giverise to liability under this section. b. no admission, offer, promise, payment or indemnity shall bemade by or on behalf of youwithout our prior written consent. c. every claim notice, letter, writ or process or other documentserved on you shall be forwarded to us immediately upon receipt. d. we shall be entitled to take over and conduct in your name thedefence or settlement of any claim or to prosecute in your namefor ourown benefit any claim for indemnity or damages against allother parties or persons. e. we may at any time pay you in connection with any claim orseries of claims the sum insured (after deduction of any sumsalready paid as compensation) or any lesser amount for whichsuch claim(s) can be settled. Once this payment is made we shallrelinquish the conduct and control and be under no further liabilityin connection with such claim(s) except for the payment of costsand expenses recoverable or incurred prior to the date of suchpayment.

Please also refer to the general exclusions and conditions.

SECTION 12 CATASTROPHE COVERYou are covered up to the amount shown in the benefits table inrespect of necessary additional travel and accommodationexpenses incurred in the event that you are forced to move frompre-booked accommodation within a 20 mile radius to continueyour trip or, if the trip cannot be continued, to return home as aresult of;a. fire, lightning or explosion rendering the pre-booked accommodation uninhabitable.b. local medical epidemic or directive from the responsiblegovernment or local authority directly affecting the area wherethe pre-booked accommodation is.c. hurricane, storm or other natural disaster that threatens yoursafety such that official evacuation orders are issued or that thepre-booked accommodation is rendered uninhabitable.d. civil unrest, rebellion or war directly affecting the area whereyou are.

You are not covered fora. your own decision not to stay in your pre-bookedaccommodation when official directives from local or nationalauthorities state that it is safe and acceptable to do so, unless theForeign & Commonwealth Office deem otherwise.b. any costs, expenses or compensation payable by orrecoverable from a tour operator, airline, hotel or other serviceprovider.c. any extra costs incurred for accommodation or transport of ahigher standard or fare category than that which you originallybooked.d. any expenses that would normally have been incurred duringyour trip such as food and drink.e. any claim where you were travelling against the advice of theForeign & Commonwealth Office or other local or nationalauthorities.f. any claim where the circumstances giving rise to the claim werea matter of public knowledge prior to your departure for thatarea.

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ConditionsIt is a condition of this insurance that before any claim may beconsidered under this section;a. you must provide a statement from the appropriate localauthority and/or accommodation provider confirming thereason, nature and duration of the catastrophe leading to a claimunder this section.b. youmust notify our nominated emergency service and obtaintheir prior authority before youmake any arrangements to returnhome early.

Please also refer to the general exclusions and conditions.

SECTION 13 LEGAL EXPENSESYou are covered up to the amount shown in the benefits table forlegal costs and expenses incurred in pursuit of a claim forcompensation or damages from a third party who causes yourdeath or bodily injury or illness during your tripWhere there are two or more persons insured by this policy, thenthe maximum amount we will pay for all such claims shall notexceed £50,000. Legal Expenses provider offers 30 minutes freeadvice, and are contactable as follows: Slater & Gordon LLP, 58Moseley Street, Manchester, M2 3HZ. Telephone: 0161 228 3851Fax: 0161 909 4444. Open Monday to Friday 9am-5pmDefinitions applicable to this sectionLegal expensesmeans; a. fees, expenses and other disbursements reasonably incurred(as determined by our legal counsel) by a legal representative inpursuing a claim or legal proceedings for damages and/orcompensation against a third party who has caused your bodilyinjury, death or illness. b. fees, expenses and other disbursements reasonably incurred(as determined by our legal counsel) by a legal representative inappealing or resisting an appeal against the judgement of a courttribunal or arbitrator. c. costs that you are legally liable for following an award of costsby any court or tribunal or an out-of-court settlement made inconnection with any claim or legal proceedings. Legal representative means a solicitor, firm of solicitors, lawyer,or any appropriately qualified person, firm or company, appointedby us to act on your behalf.

You are not covered fora. the amount of the excess shown in the benefits schedule inrespect of each claim. b. any liability for; i. any claim reported to usmore than 12 months after the beginning of the incident which led to the claim. ii. legal expenses incurred in the defence against any civil claim or legal proceedings made or brought against you. iii. legal expenses incurred before receiving our prior written approval, unless such costs would have been incurred subsequently to our approval. iv. legal expenses incurred in connection with any criminal or wilful act committed by you. v. legal expenses incurred for any claim or legal proceedings brought against; a. a travel agent, tour operator, carrier, insurer or their agent,or b. us, you, or any company or person involved in arranging this policy. vi. fines, compensation or other penalties imposed by a court or other authority. vii. legal expenses incurred after you have not accepted an offer from a third party to settle a claim or legal proceeding where the offer is considered by all parties to be reasonable or you not accepting an offer from us to settle a claim. viii. legal expenseswhich we consider to be unreasonable or excessive or unreasonably incurred (as determined by our legal counsel). x. actions between individuals named on the schedule. xi. legal expenses incurred in pursuing any claim for compensation against the manufacturer, distributor or supplier of any drug, medication or medicine.

Conditionsa. written consent must be obtained from us prior to incurringlegal expenses. This consent will be given if you can satisfy usthat; i. there are reasonable (as determined by our legal counsel) grounds for pursuing or defending the claim or legal proceedings, and ii. it is reasonable (as determined by our legal counsel) for legal expenses to be provided in a particular case. The decision to grant consent will take into account the opinion of your legal representative as well as that of our own advisers. Wemay request, at your own expense, an opinion of counsel as to the merits of the claim or legal proceedings. If the claim is admitted, your costs in obtaining this opinion will be covered by this policy. b. all claims or legal proceedings including any appeal againstjudgement resulting from the same original cause, event, orcircumstance, will be regarded as one claim. c. if you are successful in any action, any legal expenses providedby uswill be reimbursed to us. d. we may at our discretion assume control at any time of anyclaim or legal proceedings in your name for damages and orcompensation from a third party. e. wemay at our discretion offer to settle a claim with you insteadof initiating or continuing any claim or legal proceedings fordamages and or compensation from a third party, and any suchsettlement will be full and final in respect to the claim. f. wemay at our discretion offer to settle a counter-claim againstyou instead of continuing any claim or legal proceedings fordamages and or compensation from a third party..

Please also refer to the general exclusions and conditions

SECTION 14 SKI EQUIPMENTYou are covered up to the amounts shown in the benefits table,after making reasonable allowance for wear, tear anddepreciation and subject to the special condition shown below for;a. loss or theft of, or damage to ski equipment owned by you.b. loss or theft of, or damage to ski equipment hired by you.c. the cost of necessary hire of ski equipment following; i. loss or theft of, or damage to, your ski equipment insured by us, or ii. the delayed arrival of your ski equipment, subject to you being deprived of their use for not less than 12 hours.

We may at our option replace, reinstate or repair the lost ordamaged ski equipment.

You are not covered fora. the amount of the excess shown in the benefits table for eachclaim other than claims for hire costs.b. ski equipment stolen from an unattended motor vehiclebetween the hours of 9 p.m. and 8 a.m. or, if stolen at any othertime, unless they were forcibly removed whilst locked eitherinside the vehicle or to a purpose designed ski rack.c. damage to ski equipmentwhilst in use for race training or racing.d. your damaged ski equipment unless returned to the UnitedKingdom for our inspection.e. loss or theft of ski equipment not reported to the police within24 hours of discovering the loss or as soon as possible after thatand a written report or reference obtained in the country wherethe incident occurred.f. loss or theft of, or damage to, ski equipment whilst in transitunless reported to the carrier and a Property Irregularity Reportobtained.g. loss or theft of, or damage to, ski equipment over 5 years old.h. loss or damage caused by wear and tear, depreciation (loss invalue) atmospheric or climatic conditions, moth, vermin, anyprocess of cleaning, repairing or restoring, mechanical or electricalbreakdown.i. loss or damage to due delay, confiscation or detention bycustoms or other authority.

Special conditions applicable to section 14a. the maximum we will pay for any one article, pair or set of

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articles is the proportion of original purchase price shown belowor the 'maximum per item' limit shown in the benefits table,whichever is the less.b. in the event of a claim youmust;i. provide receipts or other documentation to prove ownershipand value, especially in respect of valuables, andii. retain any damaged items for our inspectionc. take care of your property at all times and take all practicalsteps to recover any item lost or stolen. Failure to exercise allreasonable care may result in your claim being reduced ordeclined.

Age of equipment Proportion of original purchase price Up to 1 year 85% Up to 2 years 65% Up to 3 years 45% Up to 4 years 30% Up to 5 years 20% Over 5 years NIL

Please also refer to the general exclusions and conditions.

SECTION 15 SKI PACKYou are covered up to the amounts shown in the benefits tablefor the proportionate value of any ski pass, ski hire or ski schoolfee that you are unable to use following;a. accidental injury or sickness that prevents you from skiing, ascertified by a medical practitioner, orb. loss or theft of your ski pass.

You are not covered fora. the amount of the excess shown in the benefits table for eachclaim.b. loss or theft of ski pass not reported to the police within 24hours of discovering the loss or as soon as possible after that anda written report or reference obtained in the country where theincident occurred.

Please also refer to the general exclusions and conditions.

SECTION 16 PISTE CLOSUREValid for the period 15th December to 31st MarchYou are covered for the daily amount shown in the benefits tablefor each day that it is not possible to ski because all pistes areclosed due to a complete lack of snow, adverse conditions oravalanche danger in your pre-booked trip resort, up to the totalamount shown either;a. for the costs you have paid for travel to an alternative resortincluding the necessary additional cost of a ski pass, orb. a compensation payment to you after you return where noalternative is available.You are not covered fora. if you arranged this insurance or booked your tripwithin 14 daysof departure and at that time there was a lack of snow in yourplanned resort such that it was likely to be not possible to ski.b. any circumstances where transport costs, compensation oralternative skiing facilities are provided to you.

Conditionsa. you must provide written confirmation from the resortauthorities or ski lift operators for the period that there was noskiing available owing to the closure of all ski lifts. b. youmust submit receipts for the travel and ski pass costs thatyouwish to claim.

Please also refer to the general exclusions and conditions.

SECTION 17 JOURNEY DISRUPTION COVERExtended cancellation or curtailmentSection 1 – cancellation or curtailment is extended to include thefollowing cover.

You are covered up to the amount shown in the benefits table forany irrecoverable unused travel and accommodation costs(including unused pre-booked excursions up to a value of £150)and other pre-paid charges which youhave paid or are contracted

to pay, together with any necessary additional travel expensesincurred if:a. you were not able to travel and use your booked accommo-dation, orb. the tripwas curtailed before completion;as a result of the Travel Advice Unit of the Foreign &Commonwealth Office (FCO) or the World Health Organisation(WHO) or regulatory authority in a country to/from which you aretravelling issuing a directive:1. prohibiting all travel or all but essential travel to, or2. recommending evacuation from;the country or specific area or event to which youwere travelling,providing the directive came into force after you purchased thisinsurance or booked the trip (whichever is the later), or in the caseof curtailment after you had left your home country to commencethe trip.

Extended travel delay & abandonmentSection 5 – travel delay is extended to include the following cover.

You are covered up to the amount shown in the benefits table forone of the following amounts:1. if the public transport on which you are booked to travel iscancelled or delayed, leading to your departure being delayed formore than 12 hours at the departure point of any connectingpublic transport in your home country or to your overseasdestination or on the return journey to your homewewill pay you:a. (a) for the first completed 12 hours delay and (b) for each full 12hours delay after that, up to a maximum of (c) (which is meant tohelp you pay for telephone calls made and meals andrefreshments purchased during the delay) provided youeventually continue the trip.2. You are covered up to the amount shown in the benefits tablefor either;a. any irrecoverable unused accommodation costs (includingunused pre-booked excursions up to a value of £150) and otherpre-paid charges which you have paid or are contracted to paybecause you were not able to travel and use your bookedaccommodation as a result of:i. the public transport on which you were booked to travel fromyour home country being cancelled or delayed for more than 12hours, orii. you being denied boarding (because there are too manypassengers for the seats available) and no other suitablealternative flight could be provided within 12 hours;and you have to abandon your trip because the alternativetransport to your overseas destination offered by the publictransport operator was not suitable, orb. suitable additional travel and accommodation expenses (on abed & breakfast basis) necessarily incurred in reaching youroverseas destination and/or in returning to your home country asa result of:i. the public transport on which you were booked to travel beingcancelled, delayed for more than 12 hours, diverted or re-directedafter take-off, orii. you being denied boarding (because there are too manypassengers for the seats available) and no other suitablealternative flight could be provided within 12 hours;and you have to make other travel arrangements for your tripbecause the alternative transport offered by the public transportoperator was not suitable. The amount payable will be calculatedafter deduction of the amount of the refund on your ticket(s)together with any compensation from the public transportoperator.You can only claim under subsections 1. or 2. for the same event,not both.If the same costs, charges or expenses are also covered undersection 5 – travel delay you can only claim for these under onesection for the same event.

Extended missed departureSection 6 – missed departure is extended to include the followingcover.

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You are covered up to the amount shown in the benefits table fornecessary additional travel and accommodation expenses (on abed & breakfast basis) necessarily incurred in reaching youroverseas destination or returning to your home country if you failto arrive at the departure point in time to board any onwardconnecting public transport on which you are booked to travel,following completion of the initial international journey, includingconnections within your home country on the return journey toyour home as a result of:1. the failure of other public transport, or2. strike, industrial action or adverse weather conditions, or3. you being denied boarding (because there are too manypassengers for the seats available) and no other suitablealternative flight could be provided within 12 hours.If the same expenses are also covered under section 6 – misseddeparture you can only claim for these under one section for thesame event.

Accommodation costsYou are covered up to the amount shown in the benefits table foreither:1. any irrecoverable unused accommodation costs (includingunused pre-booked excursions up to a value of £150) and otherpre-paid charges which you have paid or are contracted to paybecause you were not able to travel and use your bookedaccommodation, or2. necessary additional travel and accommodation costs incurred;a. up to the standard of your original booking, if you need to moveto other accommodation on arrival or at any other time during thetrip because you cannot use your booked accommodation, orb. with the prior authorisation of our nominated emergencyservice to repatriate you to your home if it becomes necessary tocurtail the trip;as a result of the insolvency of the providers of theaccommodation, fire, flood, earthquake, explosion, tsunami,landslide, avalanche, volcanic eruption, hurricane, storm or anoutbreak of food poisoning or an infectious disease affecting youraccommodation or resort.You can only claim under one of subsections 1. or 2. of what iscovered for the same event, not both.If the same costs and charges are also covered under section 1 –cancellation or curtailment you can only claim for these under onesection for the same event.

You are not covered for1. the amount of the excess shown in the benefits table (exceptclaims under subsection 1. a) of what is covered under theextended travel delay & abandonment cover shown above) 2. the cost of Airport Departure Duty/Tax (whether irrecoverableor not).3. travel tickets paid for using any airline mileage reward scheme,for example Air Miles.4. accommodation costs paid for using any Timeshare, HolidayProperty Bond or other holiday points scheme.5. claims arising directly or indirectly from:a. strike, industrial action or a directive prohibiting all travel or allbut essential travel, to the country or specific area or event towhich youwere travelling, existing or being publicly announced bythe date you purchased this insurance or at the time of bookingany trip.b. an aircraft or sea vessel being withdrawn from service(temporary or otherwise) on the recommendation of the CivilAviation Authority, Port Authority or any such regulatory body ina country to/from which you are travelling.c. denied boarding due to your drug use, alcohol or solvent abuseor your inability to provide a valid passport, visa or otherdocumentation required by the public transport operator or theirhandling agents.6. any costs incurred by you which are recoverable from theproviders of the accommodation (or their administrators) or forwhich you receive or are expected to receive compensation orreimbursement.7. any costs incurred by youwhich are recoverable from the publictransport operator or for which you receive or are expected to

receive compensation, damages, refund of tickets, meals,refreshments, accommodation, transfers, communicationfacilities or other assistance. 8. any accommodation costs, charges and expenses where thepublic transport operator has offered suitable alternative travelarrangements.9. any costs for normal day to day living such as food and drinkwhich youwould have expected to pay during your trip.Special conditions relating to claims1. if you fail to notify the travel agent, tour operator or provider oftransport or accommodation as soon as you find out it isnecessary to cancel the trip, the amount wewill pay will be limitedto the cancellation charges that would have otherwise applied.2. you must get (at your own expense) written confirmationfrom the provider of the accommodation (or theiradministrators), the local police or relevant authority that youcould not use your accommodation and the reason for this.3. you must tell our nominated emergency service as soon aspossible of any circumstances making it necessary for you toreturn home and before any arrangements are made for yourrepatriation.4. you must check in, according to the itinerary supplied to youunless your tour operator has requested you not to travel to theairport.5. youmust get (at your own expense) written confirmation fromthe public transport operator (or their handling agents) of thecancellation, number of hours of delay or denied boarding and thereason for these together with details of any alternativetransport offered.6. you must comply with the terms of contract of the publictransportoperator and seek financial compensation, assistance ora refund of your ticket from them, in accordance with the termsand/or (where applicable) your rights under EU Air PassengersRights legislation in the event of denied boarding, cancellation orlong delay of flights.

Please also refer to the general exclusions and conditions.

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SPORTS AND ACTIVITIESCoveredYour travel insurance covers you for many sports andactivities as standard which are listed below. Any other workand activities may need an extra premium to be paid.If you are participating in an activity that is not listed, youmustcontact us to ensure you have full cover, cover will not be inplace until we have confirmed acceptance and any additionalpremium paid.

NOTE: SOME SECTIONS OF COVER WILL BE EXCLUDED ANDSPECIAL CONDITIONS AND EXCLUSIONS WILL APPLY WHILETAKING PART IN CERTAIN ACTIVITIES, SEE THE INDIVIDUAL SPORTAND ACTIVITY BELOW FOR DETAILS.

Sport, Activity Special Conditions Special Exclusions

Abseiling (see climbing) Special condition (a) appliesAcrobaticsAerial safari Special condition (a) applies No Personal Accident CoverAerobicsAmerican football (Gridiron) No Personal Accident CoverAngling (see fishing)Athletics Australian Rules Football (AFL) No Personal Accident CoverBackpacking (see hiking)Badminton Ballet Banana boat rides Special condition (a) appliesBaseball Basketball Bicycle polo Biking (see cycling, mountain biking or snow biking)Black water rafting (cave tubing) (grades 1-3) Special condition (a) appliesBlack water rafting (cave tubing) (grades 4-5) Special condition (a) applies No Personal Accident CoverBoating (inland and coastal waters) see also speed boating and sailing. Special condition (a) or (b) applies, No white water cover No Personal Liability CoverBoating (outside coastal waters) see also speed boating and sailing Special condition (a) or (b) No Personal Accident Cover and special condition (c) applies No Personal Liability CoverBouldering (see rock climbing)Bowling (lawn/ten-pin/nine-pin/candlepin/duckpin/five-pin/bowls/pétanque /boules) Boxing (gym or outdoor training) no competition or bouts Bungee/bungy jumping (max 2 jumps per trip) Special condition (a) appliesBungee/bungy jumping (3 jumps or more) Special condition (a) appliesBushcraft (see hiking)Bushwalking (see hiking)Camel riding (day tour) Special condition (a) applies No Personal Liability CoverCamel trekking (overnight/main mode of transport) No Personal Liability CoverCanoeing (grades 1-3) (see kayaking)Canyon swing Special condition (a) appliesCanyoning No Personal Accident Cover No Personal Liability CoverCapoeira dancing (see dance)Caving (sightseeing/tourist attraction) Recreational visit onlyCheerleading Clay pigeon shooting Special condition (a) or (b) applies No Personal Liability CoverClimbing (see rock climbing)Cricket Croquet Cruising (cruise ship) Special condition (a) appliesCurling Cycle racing/time trial Cycling (incidental to the trip) Cycling (independent cycle touring) No Intercontinental touringCycling (on an organised tour) Special condition (a) applies No Intercontinental touringDance (ballet/ballroom/capoeira/salsa/interpretive dance) Darts Dirt boarding No Personal Liability CoverDiving (see high diving or scuba diving) Dodge ball Dogsledding (on recognised trails) Special condition (a) applies Remote areas, racing, time trials and endurance eventsDragon boating (inland or coastal waters only) Dune buggy Special condition (a) or (b) applies No Personal Accident Cover No Personal Liability CoverElephant riding Special condition (a) applies No Personal Liability CoverElephant trekking (overnight/main mode of transport) Special condition (a) applies No Personal Liability CoverFell running/walking (see hiking)Fencing No Personal Liability CoverFishing (ice) Special condition (a) or (b) appliesFishing (inland or coastal waters) Sports/leisure fishing only no commercial or rock fishingFishing (o