SHORT & LONG TERMTRAVEL INSURANCEPOLICYArranged by SALT Insurance Services Limited

1

SHORT & LONG TERMTRAVEL INSURANCE

IntroductionWith the exception of headings, wherever words appear in bold in this Policy they will have the meanings shown in the Definitions on Page 4.

Each Insured Person is deemed a separate insurance for the purposes of the terms, conditions, limitations, exclusions and declaration.

This Policy, the Schedule and the Statement of Fact or Application Form together with any endorsements that apply, form the contract of insurance between You and Us.

This document sets out the full terms and conditions of the contract between You and Us. It should be kept in a safe place.

Please read Your insurance documents carefully to ensure that all details are correct. It is important that You check that the information You have given Us is accurate and complete - see Information given to Insurers. You must comply with Your duties under each section and under the insurance as a whole.

We agree to insure You according to the Table of Benefits shown in the Schedule for loss, damage, injury or illness sustained by or a claim made against You arising out of or in the course of a Covered Trip subject to the terms, conditions, limitations and exclusions contained in or endorsed on this Policy.

Mike Bottle, Managing Director

Axiom Underwriting Agency Limited

for and on behalf of Arch Insurance (UK) Limited

2

Important Notes INFORMATION GIVEN TO INSURERSIn deciding to accept this Policy and in setting the terms and premium We have relied on the information given by You. You must take care when answering any questions We ask by ensuring that all information provided is accurate and complete.

If any of the information You provide in relation to this Policy, proves to be inaccurate or incomplete it could adversely affect this Policy or part of it and the validity of claims under it. In the event of such inaccurate or incomplete information being provided We may:

• treat this Policy as if it never existed and refuse to pay claims and return the premium paid. We will only do this if We provided You with insurance cover which We would not otherwise have offered;

• amend the terms of this Policy. We may apply these amended terms as if they were already in place if a claim has been adversely impacted by Your carelessness;

• charge You more for this Policy or reduce the amount We pay on a claim in the proportion the premium You have paid bears to the premium We would have charged; or

• cancel the Policy in accordance with the Right to Cancel below.We will write to You if We:• intend to treat this Policy as if it never existed; or• need to amend the terms of this Policy: or• require You to pay more for this Policy.If You become aware that information given to Us is inaccurate or incomplete, You must inform Us immediately.

RIGHT TO CANCEL

You will, for a period of fourteen (14) days from the date You receive Your documentation, have a right to cancel this Policy and receive a full refund of the premium paid provided You have not undertaken a Covered Trip or made a claim against this Policy. To exercise Your right to cancel You must contact Salt Insurance Services Limited.

You can also cancel this Policy at any time by writing to Us but no refund of premium will be given after expiry of the fourteen (14) days cooling off period.

We can cancel this Policy by giving thirty (30) days written notice to You at Your last known address and in such an event the premium for the period up to the date of the cancellation shall be returned to You on a pro-rata basis. We will only do this for a valid reason.

Examples of valid reasons include:

• non-payment of premium;• a change in risk occurring which means that We can no longer provide You with insurance

cover;• non-cooperation or failure to supply any information or documentation requested by Us;• threatening or abusive behaviour or the use of threatening or abusive language.No return of premium will be made to You if any claim has been paid or is outstanding under this Policy.

PRIVATE TREATMENTThis is not a private medical insurance. We will not pay for private treatment unless such treatment is deemed medically necessary and is authorised by Our appointed medical assistance company.

RECIPROCAL HEALTH AGREEMENT

If You are travelling within the European Union You are strongly advised to obtain a European Health Insurance Card (EHIC) before You leave. This will entitle You to benefit from the reciprocal health arrangements which exist between European Union countries. In the event of Us accepting liability for a medical expense claim which has been reduced by the use of a EHIC, We will not apply an excess to Your claim.

RECREATIONAL ACTIVITIES

This Policy may not cover You when You take part in certain sports or activities where there is a high risk of injury. You must check that this Policy covers Your requirements.

ACTIVITIES AUTOMATICALLY COVERED

This Policy provides automatic cover for the following activities during a Covered Trip provided that You are not participating in competitions and/or sports tours: archery, angling, athletics, badminton, banana boating, baseball, basketball, body boarding, bowls, camping, cricket, croquet, cycling (excluding touring and racing), football, golf, gymnastics, handball, hill walking (not involving ropes/guides), hiking, jet skiing (no cover under Section F Personal Liability), jogging, marathon running, motor cycling up to 200cc (no cover under Section F Personal Liability), mountain biking (excluding stunts/racing), orienteering, netball, parascending (over water only), pony trekking, kayaking, canoeing or white water rafting up to grade 3 (inland waters only and provided under the control of an officially licensed outdoor pursuits organisation), rambling, racquetball, roller skating, rounders, rowing (inland waters

3

only), safari (provided an organised excursion with a tour operator), scuba diving to a depth of 30 metres (provided You hold a recognised diving qualification and are accompanied by a fellow certificated diver), shooting (excluding hunting and no cover under Section F Personal Liability), snorkelling/skin diving, skate boarding, softball, squash, surfing, swimming, table tennis, ten pin bowling, tennis, trekking (maximum altitude 3,000m), trampolining, volleyball, water polo, water skiing (excluding jumping), yachting, boating or windsurfing in inland or coastal waters (12 mile limit).

No other sports or activities will be covered by this Policy unless specifically agreed by Us and the Schedule endorsed accordingly.

RECREATIONAL ACTIVITIES EXTENSION

(available at an Additional Premium)

You may extend this Policy to cover You whilst participating in the activities listed below during a Covered Trip, subject to payment of an Additional Premium. Cover will only be operative if agreed in advance by Us and where the Recreational Activities Extension is stated in the Schedule as being included. You must contact Salt Insurance Services Limited for further details:

abseiling, alpine skiing (including off piste provided such activity is not undertaken alone and/or against local authoritative warning or advice), american football, ballooning, curling, cycle touring, dry slope skiing, fencing, go karting (no cover under Section F Personal Liability), hockey, horse riding (excluding hunting/show jumping/eventing), ice skating, ice hockey, judo, lacrosse, martial arts, Nordic skiing, off road driving (no cover under Section F Personal Liability), paintballing, kayaking, canoeing or white water rafting grades 4 & 5 (inland waters only and provided under the control of an officially licensed outdoor pursuits organisation), rugby, ski bobbing/ski doo, snow boarding (including off piste provided such activity is not undertaken alone and/or against local authoritative warning or advice), toboganning, weight lifting, wrestling.

This Extension will not apply if You are participating in competitions and/or sports tours.

No other sports or activities will be covered unless specifically agreed by Us and the Schedule endorsed accordingly.

4

DefinitionsAcute means a medical problem which first manifests itself with a sudden, distinct onset of marked intensity and is of

such severity and nature as would lead You to seek immediate medical attention.

Chronic means any condition or manifestation of symptoms that has been experienced over a long period of time, or which is ongoing, persistently recurring, requires frequent or regular medical attention or supervision, or which does not respond to treatment and is beyond all reasonable hope of improvement

Covered Trip where “Annual Multi Trip” is indicated in the Schedule means any one trip of up to ninety (90) days duration, outside Your Home Country, which takes place entirely during the Period of Insurance and within the geographical limits specified in the Schedule. Such trip shall be deemed to commence from the time You leave Your home or place of business in Your Home Country, whichever is the later, and shall end at the time You first return to Your home or place of business in Your Home Country, whichever shall be the earlier. A trip which exceeds ninety (90) days duration shall not be deemed a Covered Trip.

For the purposes of cover under Section B1 Cancellation and Curtailment, cover is deemed to be effective from the inception date of this Policy or the date the Covered Trip is booked, whichever is the later.

Where “Single Trip” is indicated in the Schedule means a trip outside Your Home Country, which takes place entirely during the Period of Insurance and within the geographical limits specified in the Schedule. Such trip shall be deemed to commence from the time You leave Your home or place of business in Your Home Country, whichever is the later, and shall end at the time You first return to Your home or place of business in Your Home Country, whichever shall be the earlier.

For the purposes of cover under Section B1 Cancellation and Curtailment, cover is deemed to be effective from the date that this Policy has been issued.

Where “Single Trip (Extended Stay)” is indicated in the Schedule means a trip outside Your Home Country, which takes place during the Period of Insurance and within the geographical limits specified in the Schedule. Such trip shall be deemed to commence from the time You leave Your home or place of business in Your Home Country, whichever is the later, and shall end at the time You return to Your home or place of business in Your Home Country or at expiry of the Period of Insurance, whichever shall be the earlier.

For the purposes of cover under Section B1 Cancellation and Curtailment, cover is deemed to be effective from the date that this Policy has been issued.

Family Cover means You, Your husband, wife or Partner plus all Your unmarried dependent children aged under nineteen (19) years at the inception of this Policy (or under twenty three (23) if in full time education) all permanently residing at the same address.

Unless cover has been specifically agreed in advance by Us and endorsed accordingly in the Schedule, unmarried dependent children are only covered when travelling with You or Your husband, wife or Partner.

Hijack means the unlawful seizure or wrongful exercise of control of the aircraft or other conveyance or the crew thereof in which You are travelling as a passenger.

Home Country means either the country in which You normally reside prior to the commencement of a Covered Trip, as declared in the Application Form or Statement of Fact, or the country for which You hold a passport.

Immediate relative means husband, Partner, wife, fiancé(e), parent, parent-in-law, son or daughter-in-law, son or daughter, brother, brother-in-law, sister, sister-in-law, grandparents and grandchildren.

Insured Person/You/Your means the Insured Person/Insured Persons named in the Schedule.

Money means coins, bank notes, cheques, postal orders, travellers cheques, travel tickets, driving licences, green cards and petrol coupons which belong to or are in Your custody and control and are intended for travel, meals, accommodation and personal expenditure only.

Partner means a person who is not related to You with whom You have shared a home at the same address in a marriage like relationship for at least twelve (12) months.

Period of Insurance shall mean the cover dates specified in the Schedule.

Statement of Fact means a statement of fact or the application for insurance and declaration completed by You or on Youror Application Form behalf. If there is any alteration to the facts shown in this statement/form You must contact Salt Insurance Services

Limited.

Terrorism means an act, including but not limited to, the use of force or violence and/or 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 government(s), committed for political, religious, ideological or similar purposes or reasons including the intention to influence any government and/or to put the public, or any section of the public, in fear.

The Schedule means details of Insured Person and insurance protection provided which forms part of this document of insurance. This document must be read in conjunction with the Schedule.

United Kingdom means England, Scotland, Wales, Northern Ireland, the Isle of Man and the Channel Islands.

War means war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power or confiscation or nationalization or requisition or destruction of or damage to property by or under the order of any government or public or local authority.

We/Us/Our means Axiom Underwriting Agency Limited for and on behalf of Arch Insurance (UK) Limited. Authorised and regulated by the Financial Conduct Authority (FCA number 441460).

5

Section A1 Emergency Medical and Repatriation ExpensesIf You are injured or suffer from an Acute condition during the course of a Covered Trip, We will reimburse You for Medical Expenses and emergency repatriation expenses reasonably and necessarily incurred as a direct result thereof, up to but not exceeding the Sum Insured stated in the Schedule

Such expenses shall include:

i) reasonable Medical Expenses necessarily incurred outside Your Home Country and/or the United Kingdom.

ii) all reasonable costs necessarily incurred in transporting You to an appropriate medical facility or for emergency repatriation to Your Home Country, as deemed medically necessary by Our appointed medical assistance company in conjunction with the local attending Medical Practitioner and subject to:a) the appointed medical assistance company being informed

immediately or as soon as reasonably possible of any serious medical emergency that may give rise to a claim.

b) You not making or attempting to make arrangements without the prior agreement of the appointed assistance company who will be solely responsible for all decisions on the most practical and reasonable solutions to any problem.

c) You reimbursing the appointed medical assistance company in full for all costs incurred in the event of repatriation services being provided in good faith by the appointed medical assistance company to any person not insured under this Policy.

Section A2 Emergency Travel ExpensesIf You are injured or suffer from an Acute condition during the course of a Covered Trip, We will reimburse You for emergency travel expenses reasonably and necessarily incurred as a direct result thereof, up to but not exceeding the Sum Insured stated in the Schedule. Such expenses shall include:

i) reasonable additional travel, accommodation and repatriation costs necessarily incurred by Your Immediate Relative, friend or close business associate who on medical advice from a Medical Practitioner is required to travel to,remain with or escort You.

ii) reasonable additional travel and accommodation costs necessarily incurred by You in returning to Your Home Country.

iii) in the event of Your death ;a) costs incurred in transporting Your body or ashes and Your

personal effects back to Your Home Country, orb) the cost of funeral expenses incurred outside Your Home

Country up to a maximum of GBP10,000.

Section A3 Hospitalisation BenefitIf during the course of a Covered Trip You are injured or become ill and are admitted to a Hospital outside Your Home Country and/or the United Kingdom as a registered in-patient, We will pay GBP20 per day for each complete twenty four (24) hour period of confinement up to a maximum of GBP1,000 in all.

Section A4 Emergency Dental ExpensesWe will reimburse You for up to GBP500 in respect of dental treatment incurred outside Your Home Country and/or the United Kingdom during the course of a Covered Trip for the emergency relief of pain to natural teeth that are free of decay only.

Section A5 Home Country Extensioni) In the event that You are repatriated to Your Home Country,

other than the United Kingdom, in accordance with Section A1 and are immediately admitted to Hospital as an inpatient

for ongoing medical treatment, We will reimburse You for Medical Expenses reasonably and necessarily incurred in respect of such treatment, up to a maximum of GBP50,000.

ii) In the event that You return to Your Home Country, other than the United Kingdom, and require emergency medical treatment for an Acute condition which first manifests itself within three (3) calendar months of the date of return, We will reimburse You for Medical Expenses reasonably and necessarily incurred in respect of such treatment, up to a maximum of GBP5,000.

Section A5 Conditions

1. Cover shall only apply:a) In respect of costs incurred during the Period of

Insurance.b) In the event that there is no National Health Service,national

insurance programme or the equivalent available to You.2. There shall be no cover under this Section in the event that

Your Home Country is the United Kingdom.

Section A6 Physiotherapy, Chiropractic and Osteopathic TreatmentWe will reimburse You for up to GBP500 in respect of physiotherapy, chiropractic or osteopathic treatment incurred outside Your Home Country and/or the United Kingdom provided such treatment has been recommended by the attending Medical Practitioner and authorised by the appointed medical assistance company.

Section A Definitions

Medical Practitioner means a doctor or specialist who is registered or licensed to practice medicine under the laws of the country in which they practice.

Hospital means any establishment which is registered or licensed as a medical or surgical hospital in the country in which it is located and where You are under the constant supervision of a Medical Practitioner.

Medical Expenses means expenses for medical, surgical, diagnostic or other remedial attention or treatment given or prescribed by a Medical Practitioner and all Hospital, nursing home and ambulance charges.

Section A Exclusions

We shall not be liable for:

1. expenses incurred after twelve (12) months from the date on which the first expenses were incurred for that particular claim;

2. expenses incurred in respect of any child who has been born outside Your Home Country during a Covered Trip where such child has not been declared and accepted under this Policy by Us;

3. expenses incurred in replenishing supplies of medication which were prescribed and supplied to You prior to the commencement of a Covered Trip;

4. treatment or expenses incurred in Your Home Country unless incurred in accordance with Section A5;

5. the provision of prophylaxis or vaccinations or for any subsequent treatment that may be necessary due to them not having been administered before commencement of the Covered Trip;

6. routine dental and optical treatment, or the provision of dentures, spectacles, lenses, contact lenses or artificial devices such as hearing aids, limbs and the like;

7. any treatment from a source of alternative medicine, unless this has been recommended by the attending Medical Practitioner and then authorised by the appointed medical assistance company;

8. any expense recoverable under any reciprocal health arrangement, national health scheme or any other insurance policy;

6

9. routine medical examinations, checkups, tests, scans or investigations including vaccinations, the issue of medical certificates and documentary evidence of fitness to travel unless they relate to the diagnosis and/or treatment of an Acute condition.

10. normal pregnancy or childbirth without any accompanying bodily injury, illness, disease or complication. This Policy provides cover for unforeseen events, accidents and illnesses and normal childbirth would not constitute an unforeseen event.

11. Private medical treatment unless medically necessary and where there is no appropriate reciprocal health arrangement in existence and no public service available. Such treatment must be authorised by the appointed medical assistance company.

Section B1 Cancellation and CurtailmentWe will reimburse You in respect of all irrecoverable deposits, advance payments and other charges paid or due to be paid for travel and/or accommodation up to the Sum Insured stated in the Schedule, in the event of the Covered Trip being necessarily cancelled or curtailed due to:

i) Your death, accidental bodily injury or illnessii) the death, accidental bodily injury or illness of Your Immediate

Relative, close business colleague or any person with whom You have arranged to travel,reside or conduct business.

iii) You or any person with whom You have arranged to travel, reside or conduct business:a) being subject to compulsory quarantine, jury service or

subpoena.b) required to be present at Your home or place of business in

Your Home Country following burglary or major damage.iv) the cancellation or curtailment of scheduled public transport

services consequent upon strike, riot, or civil commotion.

Definition:

Curtailment means abandonment of a Covered Trip by early return to Your Home Country.

Section B2 Travel DelayIn the event that transport services on which You have previously booked to travel are delayed due to accident, strike, industrial action, Hi-jack, criminal act, bomb scare, riot, civil commotion, fire, flood, earthquake, landslide, avalanche, adverse weather conditions or mechanical breakdown, We shall pay the following:

a) GBP20 for the first completed twelve (12) hour period of delay and

b) GBP10 for each subsequent twelve (12) hour period, up to a maximum of GBP120 in all

OR

reimbursement up to the Sum Insured stated in the Schedule for Cancellation and Curtailment in respect of irrecoverable loss of travel and accommodation expenses paid or due to be paid should You opt to cancel a Covered Trip completely following a delay of twenty four (24) hours or more due to the perils listed above, less any amounts recoverable from any other source.

Section B3 Journey Continuation(a) If at the start of the Covered Trip You miss Your pre-booked

international flight, rail, coach or sea journey from Your Home Country due to any of the perils listed in Section B2 which directly affects the progress of the conveyance in which You are travelling to the pre-arranged departure point from Your Home Country, We will reimburse You in respect of reasonable additional travel and accommodation expenses up to a maximum of GBP1,500, necessarily incurred in meeting pre-booked overseas travel arrangements or reaching pre-booked accommodation overseas.

(b) In the event that the vehicle in which You are travelling to the pre-arranged departure point outside Your Home Country is involved in an accident or suffers mechanical breakdown and, as a result of which, You miss Your pre-booked international flight, rail, coach or sea departure back to Your Home Country, We will reimburse You in respect of any reasonable additional travel and accommodation expenses up to a maximum of GBP500 necessarily incurred in reaching Your scheduled destination in Your Home Country

(c) In the event that Your travel is disrupted due to a missed connection as a result of the perils listed in Section B2 which prevents the connection being made, We will reimburse You in respect of reasonable additional travel and accommodation expenses necessarily incurred in reaching the final ticketed destination, up to a maximum of GBP500.

Section B Exclusions:

We shall not be liable for claims resulting from:

1. any condition or set of circumstances known to You at the time this Policy was effected or at the time a Covered Trip was booked, whichever is the later, where such condition or set of circumstances could reasonably have been expected to give rise to the cancellation or curtailment of the Covered Trip;

2. lack of reasonable care over means of travel, route or departure time;

3. disinclination to travel;4. any claim in respect of the financial failure of a service provider

or airline;5. regulations made by any public authority or government.

Section B Conditions

1. You must obtain written confirmation from the carriers or their agents of the actual date and time of departure and the reasons for delay before a claim is considered under this Section.

2. Claims under this Section shall be calculated from the time of departure of the conveyance on which You were booked to travel, as specified in the booking confirmation.

3. Payment shall only be made under one of subsections B3(a)to B3(c) in respect of expenses arising out of the same insured event.

4. For claims submitted under Section B3(b) You must obtain:a) a motor breakdown service or repairers report in the event

You miss Your departure due to mechanical breakdown of the vehicle in which You were travelling

b) a police report in the event You miss Your departure due to the vehicle in which You were travelling being involved in an accident.

Section C Personal AccidentWe shall pay the Sum Insured stated in the Schedule if in the course of a Covered Trip, You sustain Bodily Injury which within twelve (12) calendar months of the date of the Accident results in You suffering:

i) Death;ii) Permanent Total Loss of Sight of one or both eyes;iii) Loss of one or more Limbs;iv) Permanent Total Loss of Sight of one or both eyes and loss

of one or more limbs;v) Permanent Total Disablement as defined.

Section C Definitions & Limitations

1. Bodily Injury means identifiable physical injury whicha) is sustained by You during the Covered Trip.b) is caused by an Accident, and c) solely and independently of any other cause except

illness resulting from such injury, results in Your death or disablement within twelve (12) calendar months from the date of the Accident by which such injury was caused.

7

2. Accident means a sudden, unexpected, unusual, specific event which occurs at an identifiable time and place during the Covered Trip, but shall also include exposure resulting from a mishap to a conveyance in which You are travelling.

3. Permanent Total Disablement means disablement which entirely prevents You from attending to Your usual business or occupation (or from attending to any business or occupation for which You are reasonably suited by training,education or experience if You are not in gainful employment at the date of the Accident) and which lasts twelve (12) consecutive calendar months and at the expiry of that period is beyond hope of improvement.

4. Loss of Limb means permanent loss by physical separation of a hand at or above the wrist or a foot at or above the ankle and includes total and irrecoverable loss of use of hand, arm or leg.

5. Permanent Total Loss of Sight means:a) in both eyes if Your name is added to the Register of Blind

Persons on the authority of a fully qualified ophthalmic specialist

b) in one eye if the degree of sight remaining after correction is 3/60 or less on the Snellen Scale (seeing at 3 feet what You should see at 60 feet).

6. If You are aged sixteen (16) years or below at the date of the Accident, the death benefit is limited to GBP5,000.

7. Benefit shall not be paid in respect of any one Insured Person under more than one of the benefits (i) to (v).

8. If You disappear during a Covered Trip and if You are not found within twelve (12) months of disappearing, and sufficient evidence is produced satisfactory to Us that leads Us inevitably to the conclusion that You have sustained Bodily Injury and that such injury has caused Your death, We shall pay any death benefit, where applicable, under this Policy, provided that the person or persons to whom such sum is paid shall sign an undertaking to refund such sum to Us if You are subsequently found to be living.

9. We shall not be liable for any amount in excess of GBP500,000 payable in the aggregate under this Policy in respect of all Insured Persons in the same aircraft. If a claim exceeds this limit, We will pay an amount which is proportionately reduced until the total does not exceed the said Limit.

Section C Exclusions

This Section does not cover death or disablement in any way caused or contributed to by or resulting from:

1. any naturally occurring condition or degenerative process.2. any gradually operating cause.

Section D Personal Propertyi) If in the course of a Covered Trip You lose, have stolen or

suffer damage to Personal Property, We will reimburse You in respect of such loss or damage up to the Sum Insured stated in the Schedule.

ii) If in the course of a Covered Trip Your Personal Property is temporarily lost for more than twelve(12)hours on the outward journey, We will reimburse You up to GBP250 towards the cost of buying essential and reasonable replacement items. If the Personal Property which has been temporarily lost becomes permanently lost and this results in a claim, We will deduct the amount already paid for temporary loss from the final payment.

Section D Additional Cover

i) Essential Travel Documents If in the course of a Covered Trip You lose or damage Your

passport, visa, travel tickets or other essential travel documents, We will reimburse You in respect of the reasonable additional travel and accommodation costs necessarily incurred in replacing them up to GBP250 in all.

ii) Business Equipment If in the course of a Covered Trip an Insured Person aged

over eighteen (18) years of age loses, has stolen or suffers damage to Business Equipment, We will reimburse them in respect of such loss or damage up to GBP1000 in all.

The sum insured in respect of Business Equipment may be increased subject to Our prior agreement and payment of an Additional Premium.

Any such increase in sum insured will only be operative where the Business Equipment Extension is stated in the Schedule as being included.

Section D Definitions

Personal Property shall mean clothing and personal effects owned by You or in Your custody or control and which are taken on or acquired during a Covered Trip.

Jewellery & Valuables shall mean Jewellery, antiques, articles made of gold or silver or other precious metals, precious or semiprecious stones, musical instruments, furs or leather clothing, watches, binoculars, telescopes, photographic equipment, electronic audio or digital media, games consoles, e-readers, laptop, tablet and other computer equipment and handheld electronic devices including but not limited to smart phones, Blackberries, iPods and the like and associated software.

Business Equipment shall mean personal computers, portable electronic equipment and mobile phones used by You for business purposes and which are taken on or acquired during a Covered Trip.

Section D Conditions and Limitations

1. There is a maximum sum insured of GBP500 in all (irrespective of the Sum Insured stated in the Schedule) in respect of loses from unattended vehicles

2. Total loss or destruction of an insured item shall be dealt with on the basis of the value of the item at the time of loss or destruction, taking into account a deduction for wear and tear and depreciation, up to the Sum Insured stated in the Schedule subject to any maximum limitations expressed in this Section.

3. You shall at all times exercise reasonable care in the supervision of insured property.

Section D Exclusions

We will not be liable for:

1. any amount in excess of GBP300 for any one single item, pair or set of articles (other than in respect of Business Equipment);

2. loss, damage or theft of Jewellery and Valuables in excess of GBP500 in all;

3. losses which are not reported to the Police or appropriate authorities within forty eight (48) hours of discovery or as soon as is reasonably practicable and where a Police or Property Irregulatory Report (PIR) is not obtained;

4. loss, damage or theft of Jewellery and Valuables from luggage that is in the custody of an airline or other common carrier;

5. loss or damage due to chipping, scratching or breakage of glass, china or other fragile articles, unless due to fire, theft or accident to the conveyance in which they were being transported;

6. loss or damage due to:a) moth, vermin, wear and tear, atmospheric or climatic

conditions or gradual deterioration, b) mechanical or electrical failure or breakdown,c) any process of cleaning, dying, restoring, repairing or

alteration;7. loss or theft of Money, bonds, negotiable instruments and

securities of any kind;8. loss resulting from confiscation, requisition, detention,

destruction or damage by customs authorities or other such officials;

8

9. loss, damage or theft of vehicles, their accessories or spare parts;

10. loss, damage or theft of Personal Property sent as freight or under an airway-bill or bill of lading;

11. breakage of sports equipment whilst in use;12. loss, damage or theft of pedal cycles, hired equipment or scuba

diving equipment;13. loss, damage or theft of musical instruments in excess of

GBP250 in all;14. loss of or damage to contact, corneal or micro-corneal lenses or

dentures .

Section E MoneyIn the event of You sustain loss of Money, whilst on a Covered Trip or during the seventy two (72) hours immediately prior to the commencement of a Covered Trip in respect of cash or travellers cheques obtained for the purpose of Your travel and in Your custody, We will reimburse You in respect of such loss, up to the Sum Insured stated in the Schedule.

This Section shall also cover loss resulting from the fraudulent use of any credit card, debit card or charge card in Your name following loss or theft of such card whilst on a Covered Trip, up to the Sum Insured stated in the Schedule. Our liability shall be limited to those amounts not covered by any guarantee given by the bank or issuing company to You in respect of such losses.

Section E Exclusions

We will not be liable for:

1. more than GBP250 in respect of cash or bank notes;2. losses which are not reported to the Police or appropriate

authorities within forty eight (48) hours of discovery or as soon as is reasonably practicable and where a Police report is not obtained;

3. loss of credit cards, debit cards, charge cards, cheques or travellers cheques where the loss is not reported to the issuing company or bank in accordance with the conditions under which the card(s) or cheque(s) was issued;

4. losses from unattended vehicles;5. loss resulting from confiscation, requisition,

detention,destruction or damage by customs authorities or other such officials;

6. loss resulting from delay, errors or omissions in receipts, payments, accountancy or from depreciation in value;

7. losses from luggage that is in the custody of an airline or other common carrier.

Section F Personal Liability

A - Personal Liability

We shall cover You for:

1. any legal liability incurred during the course of a Covered Trip as the result of:a) accidental death, or bodily injury to any person, orb) accidental damage to material property, up to the Sum

Insured stated in the Schedule.2. legal costs and expenses incurred with Our prior written

consent in connection with the defence of any claims against You which are the subject of a claim under this Section, up to a maximum sum of GBP25,000.

B - Legal Expenses

This Section covers up to the sum of GBP25,000 in respect of legal costs and expenses incurred, with Our prior written consent, by or on behalf of You in the pursuit of a claim against a third party who has caused Your bodily injury, or illness or Your death by an incident occurring in the course of a Covered Trip.

Section F Conditions & Limitations

1. You shall give immediate notice to Us of any occurrence for which there may be a claim under this Section and shall provide Us with such particulars and information as We may require and shall forward to Us immediately on receipt any letter,writ, summons and process. You shall advise Us in writing immediately You have knowledge of any impending prosecution, inquest or inquiry in connection with the said occurrence.

2. No admission of liability or offer, promise or payment shall be made without Our prior written consent. We shall be entitled at Our discretion to take over and conduct in Your name the defence or settlement of any claim and to prosecute at Our own expense and for Our own benefit any claim for compensation or damage against any other person.

You shall give all information and assistance required.3 There shall be no cover for legal costs and expenses incurred

without Our prior written consent which shall not be unreasonably withheld.

Section F Exclusions

We will not be liable

A - Personal Liability

for any claim arising from:

1. bodily injury to:a) any member of Your familyb) any person who is under a contract of service with You and

which arises out of and in the course of their employment with You;

2. bodily injury to or damage to the property of any person(s) with whom You are travelling, irrespective of whether such person(s) is covered under this Policy or not;

3. loss of or damage to property belonging to or in the custody or control of You, Your family or Your servant or agent;

4. the ownership, co-ownership, possession or used by You of any land or buildings; immobile property or caravans;

5. the ownership, co-ownership, possession, use or whilst under Your control of any firearms or any mechanically propelled vehicle (other than golf buggies),aircraft, hovercraft, or watercraft (other than manually propelled watercraft);

6. liability which You are responsible for because of an agreement You entered into or arising out of Your employment;

7. the practice of a profession or occupation or the supply of goods and services by You;

8. loss or damage occasioned by pressure waves caused by aircraft and other aerial devices travelling at sonic or supersonic speeds.

B - Legal Expenses

for costs incurred in the pursuit of claims against a travel agent, tour operator, carrier, insurer or insurer’s agent.

Section G Political and Natural Disaster EvacuationWe will reimburse You or the Assured for Evacuation Expenses or Accommodation Expenses up to the sum insured stated in the Schedule following the occurrence of an Insured Event during the course of a Covered Trip.

Specific Definitions applicable to Section G Political and Natural Disaster Evacuation

Accommodation Expenses shall mean the reasonable costs of alternative accommodation necessarily incurred by You or the Assured where it is not possible to evacuate You to Your declared Home Country or nearest place of safety.

Aggregate Limit shall mean the maximum amount shown in the Schedule that We will pay for any one Insured Event

9

and/or all Insured Events occurring during any one Period of Insurance. Where more than one Schedule, Table of Benefits or Policy showing benefits has been issued by Us in the name of the Assured, one Aggregate Limit, the greatest, shall apply over all.

Assured shall mean the company or organisation as shown in the Schedule

Evacuation Expenses shall mean:

1. the costs of additional accommodation, transportation and other expenses reasonably and necessarily incurred by You or the Assured in evacuating You to Your declared Home Country or the nearest place of safety and returning when the situation has stabilised and when the Local Authorities advise it is safe to do so.

Insured Event shall mean:

1. the British Government, through its Foreign and Commonwealth Office, issue a travel advice for a particular country or region in which You are travelling,recommending that certain categories of person, which includes You, should leave that country or region; or

2. Local Authorities:a) declare a state of emergency necessitating immediate

evacuation;b) formally recommend or instruct that You or certain

categories of person, including You, should leave that country or region for safety reasons; or

c) seize, confiscate or expropriate the Assured’s property and/or Your property; or

d) expel You or declare You persona non grata. Local Authorities shall mean any appropriate, legally empowered, regulatory, governmental or local authority in the country or region in which You are travelling.

Section G Conditions & Limitations

1. Where You are entitled to a refund on an unused ticket, We shall be entitled to deduct the value of the unused portion from any claim;

2. CEGA Claims Service must be informed immediately of any Insured Event or as soon as reasonably possible thereafter;

3. If the total of all claims under this Section in any Period of Insurance exceeds the Aggregate Limit, the amount payable for each Insured Person shall be proportionately reduced until the total does not exceed the Aggregate Limit.

Section G Exclusions

We shall not be liable to pay any claim:

1. if You are travelling to the following countries unless such trips are declared and accepted in writing by Us prior to commencement and an Additional Premium paid: Afghanistan, Chad, Chechnya, Democratic Republic of Congo, Iraq, Israel (West Bank & Gaza Strip), Ivory Coast, Libya, Nigeria, Somalia, Sudan, Syria, South Sudan and Yemen.

2. if You or the Assured have violated the laws or regulations of the country where the Insured Event occurs;

3. if You fail to produce or maintain immigration,work, residence or similar visas, permits or other relevant documentation for the country where You are on a Covered Trip;

4. for Accommodation Expenses or Evacuation Expenses incurred more than thirty(30) days before or after an Insured Event;

5. if Your property or property of the Assured is repossessed by a titleholder or other interested party, to satisfy any debt,insolvency, financial failure or other financial obligation of You or the Assured;

6. if You or the Assured fail to honour any contractual obligation, bond or specific performance condition in a license;

7. if You are a national of the country in which the Insured Event occurs;

8. if the conditions leading to Your departure were in existence

prior to You entering the country or where such conditions were reasonably foreseeable prior to You entering the country on a Covered Trip;

9. for more than one Insured Event in any one Period of Insurance;

10. for any amount in excess of the Aggregate Limit.

GENERAL CONDITIONS applicable to all Sections1. You shall as soon as possible following accidental bodily

injury sustained or illness or disease manifesting itself for which insurance is provided hereunder, place yourself under the care of, and follow the advice of, a registered qualified medical practitioner. There shall be no cover under this Policy should You fail to follow such advice or follow any treatment prescribed.

2. If You are a victim of a Hijack, the cover provided by this Policy will continue for up to fifty two (52)weeks from the date of Hijack or until You return to Your Home Country, whichever is the earlier.

3. You shall at their own expense furnish to Us such certificates, information and evidence as We may from time to time reasonably require,in the form and of the nature prescribed by Us. We shall be allowed, at Our own expense upon reasonable notice, to arrange a medical examination of You from time to time, or in the case of Your death,upon reasonable notice to Your legal representatives, to have a post-mortem examination of the body.

4. If We establish that You have made a claim under this Policy through concealment, misstatement or by deliberately providing false information, then We will:(i) not pay that claim and, if applicable, recover any claim

already paid that was subject to the concealment, misstatement or the deliberate provision of false information, and

(ii) not pay any claim arising under this Policy after the date the fraud was committed, and

(iii) cancel this Policy with immediate effect from the date the fraud was committed, in writing to You.

5. No sum under this Policy shall carry interest and We shall not be affected by any notice of trust, charge, assignment or any other dealing relating to this Policy.

6. This Policy is subject to and shall be governed by English law and the English courts alone shall have jurisdiction in any dispute arising under it.

7. The parties to this Insurance are You and Us and any person or company who is not a party to this Insurance has no right under the Contract (Rights of Third Parties) Act 1999. This does not affect any right or remedy of a third party that exists or is available apart from this Act.

8. You must take all reasonable steps to avoid and/or minimise any loss or damage and must also make every effort to recover any property which has been lost.

9. All words appearing in the gender of one sex shall be taken to include both sexes.

10. There shall be no cover under this Policy for any person exceeding the Age Limit stated in the Schedule at the inception date of the Policy, unless referred to and agreed in writing by Us.

11. There shall be no cover under this Policy if at the time of effecting the Policy or commencing a Covered Trip You are:i) receiving inpatient treatment or awaiting such treatment in

a hospital or nursing home orii) travelling with the intention of obtaining medical treatment

abroad oriii) travelling against the advice of a registered qualified

medical practitioner.iv) in receipt of a terminal prognosis

10

12. If at the time of a claim there is any other insurance in Your name which covers You for the same loss, damage, expense or liability, We will only pay a proportion of the claim, determined by reference to the cover provided by such other insurance. This Condition shall not be operative in the event that Section A Exclusion 8. applies.

13. All sub-limits contained herein are included within the amounts shown in the Schedule and are not in addition thereto.

14. We shall not provide any benefit under this Policy to the extent of providing cover, payment of any claim or the provision of any benefit where doing so would breach any sanction, prohibition of restriction imposed by law or regulation.

GENERAL EXCLUSIONS applicable to all SectionsWe shall not be liable for:

1. loss, damage, death, disablement or expenses directly or indirectly occasioned by, happening through or in consequence of:a) War, whether declared or not, between any of the

following countries, namely, China, France, the United Kingdom, the Russian Federation and the United States of America, or

b) War in Europe, whether declared or not, other than any enforcement action by or on behalf of the United Nations,in which any of the countries stated in (i) above or any armed forces thereof are engaged, or

c) War and/or Terrorism caused or contributed to by the use or release or the threat thereof of any nuclear weapon or device or chemical or biological agent regardless of any contributory causes(s).

d) War and/or Terrorism in respect of travel to the following countries unless such trips are declared to and accepted in writing by Us prior to commencement and an Additional Premium paid:Afghanistan, Chad, Chechnya, Democratic Republic of Congo, Iraq, Israel (West Bank & Gaza Strip), Ivory Coast, Libya, Nigeria, Somalia, Sudan, South Sudan, Syria and Yemen.

2. (a) death, disablement, loss or destruction of or damage to any property whatsoever or any loss or expense whatsoever resulting or arising therefrom;

(b) any legal liability of whatsoever nature;directly or indirectly caused by or contributed to by or arising from:i) ionising radiations or contamination by radioactivity

from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel;

ii) the radioactive, toxic, explosive or other hazardous properties of any explosive nuclear assembly or nuclear component thereof.

3. death, disablement, loss or expense arising from or relating to:a) wilful self-injury; suicide; attempted suicide; deliberate

exposure to exceptional danger (except in the attempt to save human life); or Your criminal act;

b) anxiety, stress, depression; psychiatric, mental or nervous disorders;

c) alcoholism, alcohol abuse, drug abuse nor from taking drugs not prescribed by a registered qualified medical practitioner nor from taking drugs prescribed for the treatment of drug abuse or drug dependency;

d) manual work undertaken for financial reward;e) any activities listed in the Recreational Activities Extension

(unless such Extension is stated in the Schedule as being included).

f) acrobatics; flying of any kind other than travelling by air as a passenger; base jumping; bouldering; boxing;

bungee jumping; canyoning; caving; free climbing; gliding; hang gliding; heli skiing; hunting; microlighting; mountaineering or rock climbing normally involving the use of ropes or guides; motor sports; parachuting; paragliding; paramotoring; parapenting; polo; potholing; ski flying; ski jumping; ski mountaineering; ski racing; ski randonee; ski stunting/acrobatics; sky diving; all forms of racing other than on foot; white water rafting in excess of Grade 5; any form of operational duties as a member of the armed forces; professional sports; professional entertaining; sports tours or competitions; any other sport or activity not listed above which involves physical contact or a significant risk of bodily injury (except when stated in the Schedule as being included).

g) any condition that is or becomes Chronic unless declared to and accepted by Us in writing.

h) driving or riding on motor cycles or motor scooters other than those under 200c.c. or where You:-i) are found to have been driving at the time of the

accident with a level of alcohol in Your blood above that permitted under prevailing legislation, or

ii) were not wearing a safety crash helmet, oriii) did not hold a current UK driving licence and/or were

unqualified to drive such motor cycles.4. costs incurred for any pursuit of a claim against a travel agent,

tour operator, carrier, Insurer or Insurers agent.5 Any claim relating to an epidemic or pandemic as announced

by the World Health Organisation (WHO) including but not limited to COVID-19.

CLAIMS PROCEDUREOn the happening of any event likely to give rise to a claim under this Policy, You must give written notice to Us immediately or as soon as is reasonably practicable.

All claims correspondence should be addressed to CEGA Claims Service,PO Box 127,ChichesterWest SussexPO18 8WQ,Telephone: +44 (0) 1243 218 416, alternatively You can e-mail: claims@cegagroup.com

COMPLAINTS PROCEDUREYou are important to Us but We do recognise that there may be times when You feel dissatisfied with Our service. In that situation You should contact:

Arch Insurance (UK) Limited5th Floor,Plantation Place South,60 Great Tower Street, London EC3R 5AZTelephone: 020 7621 4500Email: complaints@archinsurance.co.uk

If You remain dissatisfied or You feel Your complaint remains unresolved You should then contact:

The Financial Ombudsman Service, Exchange Tower, London, E14 9SREmail: complaint.info@financial-ombudsman.org.ukTel: 0800 023 4567

Any decision made by the Financial Ombudsman Service is only binding on Us as the Insurer and You remain free to take action in the Courts should You choose to.

These arrangements for the handling of complaints are entirely without prejudice to Your rights in English law and You are free at any stage to seek legal advice and take legal action.

11

FINANCIAL SERVICES COMPENSATION SCHEME (FSCS)All insurances issued through Axiom Underwriting for individuals or ‘small businesses’ are covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the scheme if the Insurer cannot meet its obligations (e.g. if it goes out of business or into liquidation or is unable to trade). Further information about compensation scheme arrangements is available from the FSCS (www.fscs.org.uk telephone number 0207 892 7300).

DATA PROTECTION NOTICEIn this notice We, Us and Our means Salt Insurance Services Limited, Axiom Underwriting Agency Ltd and the insurers who underwrite Your insurance – each a separate data controller in respect of Your personal data. Your personal data means any information We hold about You, and any information You give Us about anyone else, including, identification details, financial information, policy information, credit and anti-fraud data and information about previous and current claims. Personal data processed may include sensitive personal data (e.g. health data) and criminal convictions data. Please read this notice carefully as it contains important information about Our use of Your personal data. Please note that if You decline to provide information when requested or You give Us false or inaccurate information this could give Us the right to void Our insurance with You or it could impact Your ability to claim.

Security of Your data is very important to Us. We will ensure that Your data is processed with appropriate security measures in place. We will collect and process data about You and any other persons insured under the Policy, as necessary for performance of the insurance, or at Your request prior to entering into the insurance, or in order to provide You with Our services in accordance with Our legitimate interests. These interests include but are not limited to administering Your Policy, improving Our service, preventing financial crime, general risk modelling and analysis and transferring books of business.

In some circumstances, We may need to collect and use sensitive personal data (e.g. health data) or information relating to criminal convictions and offences. Where this is required, unless another ground applies, We may need Your consent to this processing. You may withhold or withdraw Your consent, or ask Us not to continue processing at any time by contacting Us using the details below. However if You do this, We may be unable to process Your enquiry or claim or continue to provide You with insurance.

We will exchange data about You with other parties in order to provide You with and administer this insurance and any claims. This may include Your intermediary (if You used one), their supplier, the insurers, service suppliers, underwriting agents, credit reference agencies, anti-fraud databases, solicitors, claims administrators and their suppliers and agents, public and regulatory bodies. Depending on the circumstances, this may involve a transfer of data outside the UK and the European Economic Area (“EEA”) to countries that have data protection laws not equivalent to those in the UK or the EEA. Any such transfer will be made with appropriate contractual safeguards in place and You can obtain a copy of these by contacting Us using the details below. We will not use Your data or pass it to any other party for marketing products or services to You unless You have given consent.

We will not keep Your data for longer than necessary. We will delete data about You within eight years after Your cover ends,

though for some types of insurance, We may be required to retain data for longer due to Our legal or regulatory obligations. You have the right to access a copy of Your personal data held by Us (and have this transferred to a third party) or request rectification of Your personal data if it is inaccurate or incomplete. In certain circumstances, You also have the right to object to the processing of Your personal data, to request erasure of Your personal data or to restrict Our use of Your personal data. If You wish to exercise Your rights about how We process Your data, please write to:The Data Protection Controller, First Floor, One Hermitage Court, Hermitage Lane, Maidstone, Kent, ME16 9NT or email info@saltinsurance.com.Please advise Us of as much detail as possible to enable Us to deal with Your request.

If You are not satisfied with the way We have managed Your personal data, You may complain to the Information Commissioners Office. You can contact them by:Visiting the website www.ico.org.uk/concerns or alternatively telephoning on 0303 123 1113.

216434 Cert/04.20

Salt Insurance Services LimitedRegistered Office: 5th Floor, Plantation Place South, 60 Great Tower Street, London, EC3R 5AZ

Registered in England and Wales No.06579352 Authorised and regulated by the Financial Conduct Authority (FCA number 591051)