CheapOair.co.uk
YOUR CHEAPOAIR INSURANCE POLICY Reference Number: CHEAPOAIR CH1702/03

WHAT TO DO IN THE EVENT OF A MEDICAL EMERGENCY

If you have an emergency during your trip
If you require medical treatment outside your home country
If you have to return early to your home country
Please phone 00 44 (0) 343 658 0342 or 00 44 (0) 1293 652842 and quote your policy number.
These lines are open 24 hours a day.
Global Response, the emergency assistance company, will provide help if you are ill or injured outside your home country. They provide a 24-hour emergency service 365 days a year.
YOU, OR SOMEONE ON YOUR BEHALF, MUST CONTACT US BEFORE INCURRING COSTS ABOVE £500.

HOW TO MAKE A CLAIM ON YOUR RETURN

Claims under Section A - Travel Cover

Contact Global Response calling 00 44 (0) 343 658 0345 or email claims on travelclaims@global-response.co.uk

IMPORTANT HEALTH REQUIREMENTS FOR ALL INSURED PERSONS

You will not be covered under this policy for any claims arising directly or indirectly from a pre-existing medical condition.
For the purposes of this insurance, a pre-existing medical condition is considered to be:

  1. You must inform us if your state of health changes prior to travelling. We have the right to increase your premiums or refuse to cover you on your trip.
  2. You must be fit to undertake your planned trip.
  3. You must not travel against medical advice or with the intention of obtaining medical treatment or consultation abroad.
  4. We will not cover you for any pre-existing medical condition.
  5. If you are on a waiting list for treatment or investigation, you are not covered if you have to cancel or curtail your trip because an appointment or treatment becomes urgently available.

RECIPROCAL HEALTH AGREEMENTS

European Union

If you are travelling to countries in the European Union, Iceland, Liechtenstein, Norway or Switzerland, you must take a European Health Insurance Card (EHIC) with you. You can apply online for your EHIC at https://www.gov.uk/european-health-insurance-card or by calling the automated EHIC application service on 0300 3301350. Your application should be completed and validated before you travel. This will allow you to benefit from the reciprocal health arrangements, which exist within these countries. You should take reasonable steps to use these arrangements where possible.

If we agree to a claim for medical expenses which has been reduced by you using an EHIC you will not have to pay the excess amount under the Medical Expenses Section. Where it is necessary for you to provide evidence of the medical costs incurred, this must show that the medical fee has been reduced by use of the EHIC.

Australia and Non-European Economic Area (EEA) countries:

When you are travelling to Australia and you have to go to hospital, you must enrol for treatment under the National Medicare Scheme.
The United Kingdom also has reciprocal healthcare agreements with other non-EEA countries and territories. Details can be found at www.nhs.uk/NHSEngland/

CONTENTS

SUMMARY OF COVER

Cover
Per person unless otherwise shown.
Premier Cover
Limits up to
Excess
per person per claim
Cancellation and Curtailment £1,750 £100
Emergency Medical and Repatriation Expenses £5,000,000 £100
Hospital Benefit £25 per day up to £250 Nil
Dental Expenses £150 £100
Diagnostic Tests USA Limit £10,000, All other Countries Limit £5000 £100
Personal Possessions and Baggage
  • Single Item Limit
  • Valuables Limit
 £1,000 £100
£200 N/A
£200 N/A
Personal Money
  • Cash Limit
  • N/A
 £400 £100
£100 N/A
£50 N/A
Travel Delay £250 Nil
Loss of Travel Documents and Passport £250 N/A
Missed Departure £300 Nil
Personal Accident
  • Permanent Total Disablement
  • Loss of Limb(s) / Eye(s)
  • Death
  • Death if the Insured Person is aged over 75
 £10,000 Nil
£10,000 Nil
£10,000 Nil
£10,000 Nil
£1,500 Nil
Personal Liability £1,000,000 Nil
Legal Expenses £10,000 Nil

CHEAPOAIR

This policy has been arranged by Cheapoair which is a trading style/appointed representative of Rock Insurance Services Limited (ROCK). Rock Insurance Services Limited is authorised and regulated by the Financial Conduct Authority (FCA). ROCK's FCA registration number is 300317.

You can check the regulatory status of ROCK by visiting http://www.fca.org.uk/register or by telephoning 0800 111 6768. ROCK is the administrator of this policy and has brought together a number of different insurers to provide the following benefits.

THE INSURERS

The insurer details provided below can be checked on the Financial Services Register by visiting: www.fca.org.uk or contacting the Financial Conduct Authority on 0800 111 6768.

INSURER DETAILS FOR SECTION A - TRAVEL POLICY

Benefits under this policy are provided by EUROP ASSISTANCE S.A, a French stock corporation, regulated by the French Insurance Code, having its registered office at 1, promenade de la Bonnette, 92230 Gennevilliers, France, registered in the Register of Commerce and Companies of Nanterre

(Reference number 451 366 405) acting through its Irish office (trading as EUROP ASSISTANCE S.A., Irish Branch) whose principal establishment is located at 4th Floor, 4-8 Eden Quay, Dublin 1, D01N5W8, Ireland, registered in the Irish Companies Registration Office under number 907089.

Europ Assistance S.A. (trading as Europ Assistance S.A. Irish Branch) is regulated in France by the Autorite de Controle Prudentiel et de Resolution (ACPR) of 61 rue Taitbout, 75436 Paris Cedex 09, France. Europ Assistance S.A. Irish Branch conducts business in Ireland in accordance with the Code of Conduct for Insurance Undertakings published by the Central Bank of Ireland.

IMPORTANT INFORMATION

ELIGIBILITY CRITERIA

You should note that the policy will NOT cover you if:

NON-TRAVELLING RELATIVES

This policy will NOT cover any claims under Cancellation or Curtailment arising directly or indirectly from any medical condition known to you prior to the start of your period of insurance, and before booking your trip affecting any close relative, travelling companion, or person you are going to stay with on your trip if:

TRIP DURATION LIMITS

Single Trip Policies: 365 days.

Annual Multi-trip Policies: Any number of trips in the policy year but limited to 31 days per trip.

You must pay the appropriate premium for the full number of days for your planned trip. If you travel for more than the number of days for which you have paid for cover, you will not be covered after the last day for which you have paid. If your return is unavoidably delayed for an insured reason, cover will be extended free of charge until you are able to return.

GEOGRAPHICAL LOCATIONS

Home Country
Your Home Country within the EU.
Europe

Means the continent of Europe west of the Ural Mountains including the Republic of Ireland, the Isle of Man, Channel Islands and all countries bordering the Mediterranean Sea, as well as Madeira and The Azores, including Spain, The Canaries, Turkey, Cyprus, Malta and Switzerland. For residents of the Isle of Man and Channel Islands travelling to the United Kingdom, the United Kingdom shall be considered as Europe.

Worldwide, excluding USA, Canada, Caribbean and Mexico
Means anywhere in the world except the United States of America, Canada, the Caribbean and Mexico.

Worldwide, including USA and Canada
Means anywhere in the world.

Please note:
No cover is provided for trips where you have travelled to a specific country or to an area where, prior to your trip commencing, the Foreign and Commonwealth Office have advised against all (but essential) travel.

COVER

This wording provides full details of all your cover.

The policy covers all persons named on the certificate of insurance for whom the premium has been paid.

This policy wording contains all possible levels of cover on offer. Sections of cover that apply to your policy will depend on your choice of cover, upgrade options and the premium you have paid and will be shown on your certificate of insurance.

If you are in any doubt about any aspect of this policy wording please contact us using the telephone number on your certificate of insurance.

YOUR PREMIUM

ROCK collects and holds insurance premiums as an agent of the insurer. We do not charge a fee for arranging your policy. However, administrative fees may be applicable if you wish to receive your documents by post or you require an amendment to your policy at a later date.

YOUR DUTY OF DISCLOSURE

It is vital that you answer any questions in relation to arranging or administering this insurance policy honestly and accurately. You must take reasonable care not to make any misrepresentation because inaccurate answers may result in a claim being declined.

HOW TO MAKE A CLAIM

Please contact the following should you need to make a claim:

Claims under Section A - Travel Cover:
Contact Global Response calling 0343 658 0345 or email claims on travelclaims@global-response.co.uk

Claims under this section must be submitted within 28 days of your return home.

CANCELLATION OF YOUR POLICY

We hope you are happy with the cover this policy provides. However, you have the right to cancel this policy, should it not meet your needs, within 14 days from either the date of purchase or receipt of your certificate of insurance, whichever is later, and provided that you have not already travelled.

If you do decide to cancel the policy during the 14 day cooling off period then your premium will be refunded in full, provided no claims have been made or no incidents have occurred that may give rise to a claim. Should you decide to cancel after the 14 day cooling off period no refund will be given.

We may cancel this policy at any time if you have not paid your premium or if there is reasonable evidence that you misled us or attempted to do so. By this we mean, if you are dishonest or use fraudulent means to benefit under this policy or if you give any false declaration or make a deliberate misstatement when applying for this cover or when making or supporting your claim.

We will contact you by email and tell you at your last known email address if we cancel your policy, or by letter if we do not hold an email address for you.

FRAUD

If you or anyone acting on your behalf makes a false or fraudulent claim or supports a claim by way of false or fraudulent document(s), or statement, then this policy will be cancelled with immediate effect and any claim rejected. In these circumstances, we reserve the right to retain the premium you have paid and to recover any sums we have paid you. We may also pass your details to the police and share your details with other insurance companies.

COMPLAINTS

We always aim to provide a first class service. However, if you have any cause for complaint, please address these in the first instance to:

The Compliance Manager,
ROCK Insurance Group,
Griffin House,
135 High Street,
Crawley,
West Sussex,
RH10 1DQ
Email: admin@rockinsurance.com

If you are still not satisfied you can contact the Financial Ombudsman Service:

Financial Ombudsman Service
Exchange Tower,
Harbour Exchange Square,
London, E14 9SR
Phone: 0800 023 4567
Email: complaint.info@financial-ombudsman.org.uk

ROCK Insurance Group adheres to the Alternative Dispute Resolution Regulations 2015 EU Directive. You can access the Online Dispute Resolution Portal here: https://webgate.ec.europa.eu/odr/main/?event=main.about.show

FINANCIAL SERVICES COMPENSATION SCHEME

ROCK is covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the scheme if we are unable to meet our obligations. Further information can be obtained from the Financial Services Compensation Scheme by visiting their website at www.fscs.org.uk.

Whilst ROCK monitors the financial strength of the insurers with whom we place business, it should be noted that the claims-paying ability of even the strongest insurers could be affected by adverse business conditions. We cannot, therefore, guarantee the solvency of any insurer or underwriter. You may not be able to obtain a refund of premium in these circumstances.

DATA PROTECTION

We will collect certain information about you in the course of considering your application and conducting our relationship with you. This information will be processed for the purposes of underwriting your insurance cover, managing any insurance issued, administering claims and fraud prevention. We may pass your information to a qualified medical practitioner, other insurers, reinsurers, other parties who provide services under the policy and loss adjusters for these purposes. This may involve the transfer of your information to countries which do not have data protection laws.

Some of the information may be classified as 'sensitive' - that is information about physical and mental health and employment records. Data protection laws impose specific conditions in relation to sensitive information including, in some circumstances, the need to obtain your explicit consent before the information may be processed. By finalising your insurance application, you consent to the processing and transfer of information described in this notice. Without this consent we would not be able to consider your application.

We agree to adhere to the provisions of the Data Protection Act 1998 and all successor legislation during the term of the policy.

MEANING OF WORDS

The following words and expressions used in this policy shall mean the following wherever they appear in bold within this document:

Bodily injury: Accidental bodily injury caused solely and directly by external, violent and visible means.

Certificate of insurance: The document showing details of the cover purchased and naming all insured persons.

Close relative: Mother, father, sister, brother, wife, husband, partner, son, daughter (including fostered/adopted son or daughter), grandparent, grandchild, parent-in-law, son-in-law, daughter-in-law, sister-in-law, brother-in-law, step-parent, step-child, step-brother, step-sister, or legal guardian.

Curtail/Curtailment: Return early to your home after the commencement of the outward journey.

Excess: The first amount of a claim that you must pay as detailed in the travel insurance summary of cover.

Holiday services: Pre-booked, pre-paid elements of the trip including car hire, airport parking and excursion tickets.

Home: Your permanent residence in your home country.

Home country: The country where you are ordinarily permanently resident, pay tax or are registered with a medical practitioner.

Insolvency or Financial Failure: An event causing the cancellation of all or part of your trip happening after you purchased this insurance which results in the scheduled airline no longer carrying on its business or service as a result of financial failure within the meaning of the Insolvency Act 1986 or any statutory modification or re-enactment thereof or a similar legal action in consequence of debt under the jurisdiction of a competent court in another country.

Insured person: Any person named on the certificate of insurance for whom the appropriate premium has been paid.

Loss of limb: Total loss of use by physical severance at or above the wrist or ankle.

Loss of sight: Total and permanent loss of sight without expectation of improvement in both eyes when your name is added to the Register of Blind Persons on the authority of a qualified ophthalmic specialist; or in one eye when the degree of sight remaining after correction is 3/60 or less on the Snellen Scale.

Manual work: Physical labour involving the use of tools or machinery or working at heights of over two metres (nursing and bar-work are not considered to be manual work).

Medical condition: Any medical or psychological disease, sickness, condition, illness or injury.

Medical practitioner: A doctor or specialist who is legally qualified, licensed and registered to practice medicine under the laws of the country in which they practice, excluding you, your travel companion, a member of your close relative, or your employee.

Money: Cash, postal and money orders, travellers' cheques held by you for social, domestic and pleasure purposes.

Outward journey: The initial journey in conjunction with your trip from your home in your home country.

Permanent total disablement: A disablement which prevents you from carrying out ANY occupation for a period of 12 months after an accident sustained during your trip and which is, at the end of that period, beyond reasonable hope of improvement.

Period of insurance: The period of insurance for all sections except cancellation commences when you leave your home in your home country to start your trip and ends when you have returned to your home in your home country. Cancellation cover for a Single Trip policy starts when you purchase this insurance or when you book your trip, whichever is the later. Cancellation cover for Annual Multi-trip policy will not commence until the start date shown on your certificate of insurance even if the premium has been paid earlier.

Personal possessions: Suitcases (or other luggage carriers) and their contents taken on your trip together with articles worn or carried by you for your individual use during your trip.

Pre-existing medical condition: Any medical condition where you have been prescribed medication, including repeat prescriptions, or received treatment or attended a GP or a specialist as an outpatient or inpatient in the last 2 years or for which you are currently on a waiting list for treatment or investigation;

Any illness for which you have received a terminal prognosis or any heart, heart-related or circulatory condition; or any respiratory condition; any stress, anxiety, depression or any other psychological condition; any cancerous condition; or any cerebral condition;

Any undiagnosed symptoms that may require treatment in the future (i.e. symptoms for which you are awaiting investigations/consultations, or awaiting results of investigations, or where the underlying cause of the symptoms has not been established).

Public transport: Airline, train, bus, coach, or ferry services, operating to a published timetable on which you are a fare-paying passenger or a tour operator's own transport service, or taxi, to join your booked travel itinerary.

Strike or industrial action: Organised action taken by a group of workers which prevents the supply of goods and/or services on which your trip depends.

Terrorism: An act including, but not limited to, the use or threat of force or violence of any person or group, committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear.

Trip: A journey starting and ending in your home country within the geographical area specified on your certificate of insurance during the period of insurance.

United Kingdom: England, Scotland, Wales, Northern Ireland, Channel Islands and the Isle of Man except under Geographical Limits where Channel Islands and the Isle of Man are considered to be part of Europe.

Unattended: When you cannot see and are not close enough to your property to prevent unauthorised interference or theft of your property unless left in a safety-deposit facility.

Valuables: Jewellery, articles made of gold silver or other precious metals, precious or semi-precious stones, watches, binoculars, telescopes, photographic equipment, electronic audio or video equipment and any computer equipment (including software), furs, or leather clothing (apart from footwear).

You/Your: Each insured person named in the certificate of insurance.

We/Us/Our: The relevant insurer under each section of this policy.

YOUR COVER

There are conditions and exclusions which apply to individual sections of the policy and general conditions, exclusions and warranties which apply to the whole policy. Please refer to the relevant section and read in conjunction with the General Conditions and General Exclusions.

SECTION A - TRAVEL COVER

CANCELLATION AND CURTAILMENT

What you are covered for

We will pay you up to the amount shown in the summary of cover for the unused portion of your travel and accommodation costs that you have paid or contracted to pay and you suffer a financial loss because you cannot get a full refund if you cancel before the start of your trip or cut your trip short and return home early during the period of insurance because of the following:

  1. the death, bodily injury, illness or being subject to quarantine of you, a close relative or any person you have arranged to travel or stay with during your trip; or
  2. you being called for jury service or as a witness in a Court of Law (but not as an expert witness or where your employment would normally require you to attend court); or
  3. your redundancy, provided that you were working at your current place of employment for a minimum of 2 years and that you were not aware of any impending redundancy at the time this policy was issued or the trip was booked; or
  4. your home being made uninhabitable due to accidental damage, burglary, flooding or fire;
  5. the police requesting your presence following burglary or attempted burglary at your home; or
  6. your passport, or the passport of any person you were intending to travel with, being stolen during the 7 days before the start date of your booked trip; or
  7. you, or any person you intended to travel with, who is a member of the Armed Forces, emergency services, the nursing profession or a government employee being ordered to return to duty.

What you are NOT covered for

  1. the excess shown in the summary of cover;
  2. claims where you have failed to obtain a medical certificate from a medical practitioner, confirming that cancellation of the trip is necessary;
  3. normal pregnancy, without any accompanying bodily injury, illness or complication;
  4. claims arising directly or indirectly from any pre-existing medical conditions;
  5. any claims arising directly or indirectly from any medical condition affecting a non-travelling relative if;
    • a terminal diagnosis had been received; or
    • if they were on a waiting-list for, or had knowledge of the need for, surgery, inpatient treatment or investigation at any hospital or; or if during the 90 days immediately prior to the start of the period of insurance they had:
    • required surgery, inpatient treatment or hospital consultations; or
    • required any form of treatment or prescribed medication.
  6. any extra charges from the company you booked with because of your failure to notify them immediately it was found necessary to cancel;
  7. claims arising from prohibitive regulations by the government of any country;
  8. theft of a passport which has not been reported immediately to the relevant authority;
  9. travel tickets paid for using any airline mileage reward scheme or other reward points scheme;
  10. accommodation costs paid for using any timeshare, holiday property bond or other reward points scheme;
  11. any costs incurred by you which are recoverable from a tour operator, public transport operator, accommodation provider, holiday services provider or any other source, or for which you receive or are expected to receive compensation or other assistance;
  12. any circumstance that could reasonably be anticipated at the time you booked your trip;
  13. disinclination to travel or continue travelling, unless your change of travel plans is caused by one of the circumstances listed under 'What you are covered for';
  14. your being self-employed or accepting voluntary redundancy;
  15. any claim resulting from your failure to obtain a valid passport and any required visa in time for the booked trip;
  16. anything mentioned in the General Exclusions.

EMERGENCY MEDICAL AND REPATRIATION EXPENSES

What you are covered for

If, during your trip, you become ill or sustain a bodily injury we will pay up to the amount shown in the summary of cover for costs incurred outside your home country that have been authorised by the emergency assistance company for:

  1. emergency medical and surgical treatment in the nearest appropriate hospital, including medical practitioner fees, hospital expenses and charges for medical transportation;
  2. dental treatment for the relief of pain or difficulty eating only;
  3. reasonable and necessary additional accommodation (room only) and travelling expenses, including those of one relative or friend if you have to be accompanied home or if you are a child (under the age of 18) and require an escort home;

In the event of your death we will pay for:

  1. the return of your body or ashes to your home country (but excluding the cost of burial or cremation); or
  2. for local funeral expenses abroad.

SPECIAL CONDITIONS

This is not a private health insurance policy. We will pay for private treatment only if there is no appropriate reciprocal health agreement in existence and no public service available and we reserve the right to organise a transfer from a private medical facility to a public medical facility where appropriate.

If you are taken into hospital or you think that you may have to curtail or extend your trip because of illness or a bodily injury, the emergency assistance company must be told immediately (see important contact numbers). You must contact us before incurring costs. Costs above £500 not authorised by us will not be covered. If you are physically unable to contact us, someone else must contact us on your behalf within 48 hours.

For travel to the United States of America we will only pay for reasonable and necessary emergency medical treatment, surgical, hospital, ambulance and nursing fees and charges. This means costs that are incurred for approved, eligible medical services or supplies up to 150% of the published medical rates for the same or similar treatment as payable by US Medicare.

If you become ill or sustain a bodily injury we have the right to bring you back to your home country, if the emergency assistance company medical practitioner states that you can safely travel. If you refuse to return home, no further costs will be covered.

What you are NOT covered for

  1. the excess shown in the summary of cover;
  2. costs in excess of £500 which have not been authorised by us in advance;
  3. any treatment, investigations or tests in a private hospital or private clinic unless authorised and agreed by us;
  4. treatment which takes place within your home country;
  5. claims arising directly or indirectly from any pre-existing medical conditions;
  6. any sums which can be recovered by you and which are covered under any National Insurance Scheme, Reciprocal Health Arrangement or Private Health Insurance;
  7. normal pregnancy and/or childbirth, without any accompanying bodily injury, illness or complication;
  8. costs incurred for:
    1. surgery or medical treatment which in the opinion of the attending medical practitioner and the emergency assistance company medical practitioner can be reasonably delayed until your return to your home country;
    2. medication and/or treatment which at the time of departure is known to be required or to be continued outside your home country;
    3. preventative treatment which can reasonably be delayed until your return to your home country;
  9. claims that are not confirmed as medically necessary by the attending medical practitioner or the emergency assistance company;
  10. the cost of any elective (non-emergency) treatment or surgery, including exploratory tests;
  11. the cost of any treatment not directly related to the illness or bodily injury which necessitated your admittance into hospital;
  12. any additional hospital costs arising from single or private room accommodation unless medically necessary;
  13. expenses incurred as a result of a tropical disease where you have not had the recommended inoculations and/or taken the recommended medication;
  14. costs that arise more than 12 months after a claim was first notified;
  15. any claim arising directly or indirectly from your participation in any sports or activities not listed under the sports and activities tables or which you have not paid the appropriate premium for;
  16. anything mentioned in the General Exclusions.

HOSPITAL BENEFIT

What you are covered for

We will pay you up to the amount shown in the summary of cover should you suffer a bodily injury or illness during the period of insurance, for each full 24 hours that you spend as an inpatient in a hospital outside of your home country.

What you are NOT covered for

  1. the excess shown in the summary of cover;
  2. treatment which takes place within your home country;
  3. claims arising directly or indirectly from any pre-existing medical conditions;
  4. normal pregnancy and/or childbirth, without any accompanying bodily injury, illness or complication;
  5. claims that are not confirmed as medically necessary by the attending medical practitioner or the emergency assistance company;
  6. hospitalisation for any elective (non-emergency) treatment or surgery, including exploratory tests;
  7. hospitalisation for any treatment not directly related to the medical condition or bodily injury which necessitated your initial admittance into hospital;
  8. hospitalisation as a result of a tropical disease where you have not had the recommended inoculations and/or taken the recommended medication;
  9. anything mentioned in the General Exclusions.

PERSONAL POSSESSIONS AND BAGGAGE

What you are covered for

  1. We will pay up to the amount shown in the summary of cover for the value or cost of repair of any of your own personal possessions (not hired, loaned or entrusted to you) which are lost, stolen, damaged or destroyed (after making allowance for wear and tear and depreciation).
  2. We will pay up to the amount shown in the summary of cover for the cost of buying replacement necessities if your baggage is delayed in reaching you on your outward journey for at least 12 hours and you have a written report from the carrier to confirm this.

SPECIAL CONDITIONS

In the event of a claim for a pair or set of articles the maximum amount payable will be limited to the single article limit shown in the summary of cover. Receipts will be necessary in the event of a claim.

Within 24 hours of the discovery of the incident you must report loss, theft or damage of personal possessions to the police or carrier as appropriate. Delayed baggage or personal possessions damaged in transit must be reported to the airline before leaving the baggage hall and a Property Irregularity Report (PIR) obtained.

Any amount we pay you under item 2 will be deducted from your claim if your baggage proves to be permanently lost and you make a claim for lost baggage.

What you are NOT covered for

  1. the excess shown in the summary of cover;
  2. you not exercising reasonable care for the safety and supervision of your personal possessions;
  3. loss, destruction, damage or theft of any items left unattended in a public place, or a place to which members of the general public have access;
  4. the loss, damage or delay in transit of your personal possessions, if you do not notify the carrier (i.e. airline, shipping company, etc.) and obtain a written report within 24 hours of discovery of the damage or loss;
  5. loss, destruction, damage or theft:
    1. from confiscation or detention by customs or other officials or authorities;
    2. sports gear whilst in use;
    3. due to wear and tear, denting or scratching, moth or vermin;
    4. of valuables not carried in your hand luggage (i.e. carried on or about your person) while in transit;
  6. breakage of fragile or brittle articles being transported by a carrier;
  7. valuables stolen from an unattended vehicle at any time;
  8. mobile phones or smart phones;
  9. personal possessions stolen from:
    1. an unattended vehicle, unless it was in the locked glove compartment, or rear boot or luggage area of the vehicle and it is covered so as not to be visible from outside the vehicle, and unless there is evidence of forcible entry;
    2. an unattended vehicle (other than motor caravans) left for any period between the hours of 9pm and 9am;
  10. any depreciation in value;
  11. any property more specifically insured or recoverable under any other source;
  12. the cost of replacement locks;
  13. anything mentioned in the General Exclusions.

PERSONAL MONEY

What you are covered for

We will pay you up to the amount shown in the summary of cover if your own money is lost or stolen whilst being carried on your person or left in a locked safety deposit box (or equivalent facility).

What you are NOT covered for

  1. the excess shown in the summary of cover;
  2. claims arising from you not exercising reasonable care for the safety and supervision of your money;
  3. loss or theft of your money left unattended in a public place, or a place to which members of the general public have access;
  4. money stolen from:
    1. an unattended vehicle, unless it was in the locked glove compartment, or rear boot or luggage area of the vehicle and it is covered so as not to be visible from outside the vehicle, and unless there is evidence of forcible entry;
    2. an unattended vehicle (other than motor caravans) left for any period between the hours of 9pm and 9am;
  5. any depreciation in value or exchange rates;
  6. anything mentioned in the General Exclusions.

LOSS OF PASSPORT

What you are covered for

We will pay up to the amount shown in the summary of cover for:

  1. the reasonable costs in obtaining a replacement passport or travel document (you are not covered for the cost of the document itself) to enable you to return to your home country following accidental loss or theft;
  2. the reasonable costs in obtaining a replacement driving licence or green card following accidental loss or theft.

What you are NOT covered for

  1. the excess shown in the summary of cover;
  2. the cost of the passport, travel document, driving licence or green card;
  3. loss due to delay, detention, confiscation, requisition or damage by customs or other officials or authorities;
  4. loss or theft unless you have reported the loss or theft to the nearest police authority within 24 hours of discovery and have obtained a written police report;
  5. loss of or theft from an unattended vehicle at any time;
  6. anything mentioned in the General Exclusions.

TRAVEL DELAY

This section does not apply to trips within your home country and only applies to delays on your outward journey.

What you are covered for

We will pay you up to the amount shown in the summary of cover if the international departure of the public transport on which you are booked to travel is delayed by at least 12 hours; or

up to the amount under the Cancellation section of this policy shown in the summary of cover if you abandon the trip after a delay to your outward flight, sea crossing, coach or train departure from your home country of more than 12 hours beyond the booked departure time as a result of:

  1. strike or industrial action provided that when this policy was taken out, there was no reasonable expectation that the trip would be delayed;
  2. adverse weather conditions;
  3. mechanical breakdown or technical fault of the aircraft, coach, train or sea vessel.

What you are NOT covered for

  1. the excess shown in the summary of cover;
  2. any claim if you have not checked in before the recommended check-in time;
  3. any claim if you have not obtained written confirmation from the carrier stating the duration and the cause of the delay;
  4. any claims arising from withdrawal from service of the public transport on the orders or recommendation of the Civil Aviation Authority or a Port Authority or similar body in any country;
  5. anything mentioned in the General Exclusions.

MISSED DEPARTURE

This section does not apply to trips within your home country.

What you are covered for

We will pay up to the amount shown in the summary of cover for necessary and reasonable travel and accommodation expenses required to reach your booked destination, if you miss your booked departure due to:

  1. the vehicle you are travelling in to reach your international departure point breaking down or being involved in an accident; or
  2. the public transport you are using to reach your international departure point being delayed, resulting in you arriving too late to commence your booked trip.

What you are NOT covered for

  1. the excess shown in the summary of cover;
  2. claims where you have not allowed sufficient time to get to your international departure point to catch the booked public transport;
  3. the public transport provider's failure unless you get a letter from the provider confirming that the service did not run on time;
  4. the accident or breakdown of your vehicle unless you get confirmation of the delay from the authority who went to the accident or breakdown affecting the car you were travelling in;
  5. breakdown of any vehicle in which you are travelling if the vehicle is owned by you and has not been serviced properly and maintained in accordance with manufacturer's instructions;
  6. any delay caused by a riot, civil commotion, strike or industrial action which began or was announced before the start date of your policy and the date your travel tickets or confirmation of booking were issued;
  7. anything mentioned in the General Exclusions.

PERSONAL ACCIDENT

What you are covered for

We will pay up to the amount shown in the summary of cover if you suffer an accidental bodily injury during the trip, which within 12 months is the sole and direct cause of:

  1. death;
  2. loss of limb;
  3. total and permanent loss of sight in one or both eyes; or
  4. permanent total disablement.

SPECIAL CONDITIONS

For persons over 75 at the time of the accident the death benefit will be limited to £1,500 and there will be no cover for permanent total disablement.

What you are NOT covered for

  1. any claims arising directly or indirectly from sickness, illness or disease;
  2. any injury not caused solely by outward, visible, external means;
  3. mental or psychological trauma not involving your bodily injury;
  4. any claim arising directly or indirectly from your pregnancy;
  5. any claims under this section not notified to us within 12 months of the date of the accident;
  6. anything mentioned in the General Exclusions.

PERSONAL LIABILITY

What you are covered for

We will pay up to amount shown in the summary of cover (inclusive of legal costs and expenses) if, during the trip, you become legally liable to pay damages in respect of:

  1. accidental bodily injury, including death, illness and disease to a person; and/or
  2. accidental loss of or damage to property.

SPECIAL CONDITIONS

You or your legal representatives must give us written notice immediately you receive notice of any prosecution or inquest in connection with any circumstances which may give rise to a claim under this section.

No admission, offer, promise, payment or indemnity should be made by or on behalf of you without our prior written consent.

Every document issued to you must be forwarded to us immediately upon receipt.

We are entitled to take over and conduct in your name the defence or settlement of any claim or to prosecute in your name for our own benefit any claim for indemnity or damages against all other parties.

We may at any time pay the sum insured (after deduction of any sums already paid as compensation) or any lesser amount for which such claim(s) can be settled. Once this payment is made we will have no further liability for your claim.

What you are NOT covered for

  1. claims arising from accidental death of or physical injury to you or your close relative;
  2. any liability resulting from your employment, trade, profession, business or that of your close relative;
  3. your responsibility as an employer to anyone employed by you or your close relative in any trade, business or profession;
  4. any agreement or contract which adds any liability which would not have existed otherwise;
  5. any liability arising from you or your close relative owning or using aircraft, horse-drawn vehicles, motorised or mechanically propelled, assisted vehicles or towed vehicles, boats (other than rowing boats, punts), jet skis, jet bikes or wet bikes, animals (other than horses, domestic dogs or cats), firearms;
  6. any liability resulting from wilful or malicious acts by you;
  7. accidental injury or loss which has not been caused by you;
  8. any claim for personal liability which is covered by any other insurance held by you;
  9. any claims arising from the occupation, except temporarily for the purposes of the trip, or ownership of any land or building;
  10. any claim if you engage in any activity where this policy states that Personal Liability cover is excluded;
  11. anything mentioned in the General Exclusions.

LEGAL EXPENSES

What you are covered for

We will pay up to the amount shown in the summary of cover for legal expenses to bring a claim for damages or compensation against a third party, if you suffer an incident that results in bodily injury, death or illness caused by a third party during the trip.

The following words and expressions used in this section of the policy shall mean the following wherever they appear in bold:

Legal Expenses:
  1. fees, expenses and other costs reasonably incurred (as determined by our legal representative) by a legal representative to pursue a claim or legal proceedings for damages and/or compensation against a third party who has caused your bodily injury, death or illness.
  2. costs that you are legally liable for following an award of costs by any court or tribunal or an out-of-court settlement made in connection with any claim or legal proceedings.
Legal Representative:

The solicitor or other suitably qualified person appointed by us in accordance with this section of the policy.

SPECIAL CONDITIONS

  1. Written consent must be obtained from us prior to incurring legal expenses. This consent will be given if you can satisfy us that:
    1. there are reasonable (as determined by our legal representative) grounds for pursing the claim or legal proceedings; and
    2. in the opinion of our legal representative the prospects of success and of recovering damages/enforcing a judgment is at least 51%.
  2. All claims or legal proceedings including any appeal against judgement resulting from the same original cause, event, or circumstance, will be regarded as one claim.
  3. If you are successful in any action, any legal expenses provided by us must be reimbursed to us.
  4. We may at our discretion assume control at any time of any claim or legal proceedings in your name for damages and or compensation from a third party.
  5. We may at our discretion offer to settle a claim with you instead of initiating or continuing any claim or legal proceedings for damages and or compensation from a third party. Any such settlement will be full and final in respect to the claim.
  6. We may at our discretion offer to settle a counter-claim against you instead of continuing any claim or legal proceedings for damages and or compensation from a third party.
  7. Only the costs incurred by a legal representative approved or appointed by us will be covered.
  8. We shall have complete control over the legal proceedings through legal representatives we nominate up to the point where proceedings are issued at which point you are free to nominate a suitably qualified person, although we do not have to accept them.
  9. Any legal representative will be appointed by us to represent you according to our standard terms, which may include a Conditional Fee Agreement or a Contingency Fee Agreement.
  10. You must cooperate fully with us and the legal representative and follow their advice and provide any information and assistance required by them within a reasonable timescale.
  11. We will have direct contact with the legal representative and you must authorise them to disclose any information or documentation we may ask for.
  12. If we ask, you must have any legal costs taxed, assessed or audited.

What you are NOT covered for

  1. the excess as shown in the summary of cover;
  2. any claim we or our legal representatives believe is not likely to be successful or if we think the costs of taking action will be more than any award or the prospects of success and of recovering damages/enforcing a judgment is likely to be less than 51%;
  3. any claim reported to us more than 3 months after incident which led to the claim;
  4. legal expenses incurred in the defence against any civil claim or legal proceedings made or brought against you;
  5. legal expenses incurred before receiving our prior written approval;
  6. legal expenses incurred in connection with any criminal or wilful act committed by you;
  7. legal expenses incurred for any claim or legal proceedings brought against:
    1. a travel agent, tour operator, carrier, insurer or their agent;
    2. a holiday accommodation provider;
    3. us, you, or any company or person involved in arranging this policy;
    4. any person named on this policy;
  8. fines, compensation or other penalties imposed by a court or other authority;
  9. 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 our legal representative to be reasonable or you not accepting an offer from us to settle a claim;
  10. legal expenses which we consider to be unreasonable or excessive or unreasonably incurred (as determined by our legal representative);
  11. legal expenses incurred in pursuing any claim for compensation against the manufacturer, distributor or supplier of any drug, medication or medicine.
  12. any claim relating to:
    1. an illness which gradually develops and is not caused by a specific or sudden event;
    2. the driving of a motor vehicle for which you had no valid insurance;
    3. judicial review or coroner's inquest;
    4. defending your legal rights, except for the defence of any counterclaim.
  13. any claim where legal expenses are based directly or indirectly on the amount of compensation awarded and specifically which is capable of being pursued under a Contingency Fee Agreement;
  14. legal expenses incurred in any claim which is capable of being pursued under a Conditional Fee Agreement;
  15. legal expenses incurred if an action is brought in more than one country;
  16. anything mentioned in the General Exclusions.

OPTIONAL SPORTS AND ACTIVITIES COVER

The sports below are automatically covered under your policy.

You are not covered for taking part in any sports or activities unless they are listed below.

Cover for the following activities is included for recreational, amateur purposes only. When participating in your activity you must ensure that it is adequately supervised and appropriate safety equipment is worn/used at all times.

Activity
Conditions
Aerobics
Archery
Badminton
Basketball
Bowls
Cricket
Cycling No Tours. No Personal Liability cover
Fell walking, rambling & trekking Up to 2,000 metres altitude
Fishing
Football
Golf
Hiking Up to 2,000 metres altitude
Ice-skating Rink only
Parascending Towed by boat. No Personal Liability cover
Racket ball
Rafting, canoeing and kayaking No white water
Rambling
Roller skating
Rounders
Scuba Diving* To a depth of 18 metres
Skateboarding
Snooker, pool and billiards
Snorkelling
Squash
Surfing No Personal Liability cover
Swimming Must be undertaken in a pool, inland waters or coastal waters within a 12 mile limit from land
Table tennis
Tennis
Volleyball
Water polo
Water skiing Must be inland waters or coastal waters within a 12 mile limit from land. No Personal Liability cover
Windsurfing Must be inland waters or coastal waters within a 12 mile limit from land. No Personal Liability cover
Work Abroad Manual, ground level only, no machinery
Yachting, boating, sailing and rowing Must be inland waters or coastal waters within a 12 mile limit from land. No Personal Liability cover

*For Scuba diving the following endorsement applies:

SCUBA diving to a maximum depth of 18 metres will be covered provided that you hold a British Sub Aqua Club (B.S.A.C.) or equivalent certificate of proficiency for the dive being undertaken or you are under the direct supervision of a qualified instructor; are diving with proper equipment and not contrary to B.S.A.C. codes of good practice; are not solo/ cave/wreck diving; are not diving for hire or reward; are not diving within 24 hours of flying or flying within 24 hours of diving and are not suffering from any medical condition likely to impair your fitness to dive.

GENERAL CONDITIONS APPLICABLE TO ALL SECTIONS

  1. All receipts must be retained and produced in the event of a claim. Your claim may be rejected if receipts are not produced.
  2. If we require any medical certificates, information, evidence and receipts, these must be obtained by you at your expense.
  3. In the event of a claim, if we require a medical examination you must agree to this and in the event of death we are entitled to a post mortem examination, both at our expense.
  4. You must take all reasonable steps to recover any lost or stolen article.
  5. You must take all reasonable steps to avoid or minimise any loss or damage likely to give rise to a claim under this policy. You must act as if you are not insured.
  6. We will make every effort to provide all services stated in this document. Remote geographical locations or unforseeable adverse local conditions may affect normal service.
  7. We may at any time pay our full liability under this policy after which we will have no further liability.
  8. If any claim is found to be fraudulent in any way this policy will not apply and all claims related or subsequent to the fraud will not be paid.

GENERAL EXCLUSIONS APPLICABLE TO ALL SECTIONS

We will not pay anything directly or indirectly caused by:

  1. your suicide, deliberately injuring yourself, being under the influence of drugs (unless prescribed by a doctor), alcohol, alcoholism or other alcohol related illnesses, drug addiction, solvent abuse, self-exposure to needless danger (unless you are trying to save someone’s life);
  2. you climbing on top of, or jumping from a vehicle or jumping from a building or balcony, or sitting, planking, balconing, owling or lying on any external part of any building, or climbing or moving from any external part of any building to another (apart from stairs, ramps or walkways) and falling regardless of the height, unless your life is in danger or you are attempting to save human life;
  3. you fighting, except in self-defence;
  4. air travel (other than as a fare-paying passenger on a regular scheduled airline or licenced charter aircraft);
  5. bankruptcy/liquidation of any tour operator, travel agent or transportation company;
  6. consequential loss of any kind unless specifically provided for within this policy (for example, but not limited to, loss of earnings due to being unable to return to work following injury or illness or cost of replacement lock if keys are lost);
  7. loss or damage to any property and expense or legal liability directly or indirectly caused by:
    1. ionising radiations or radioactive contamination from any nuclear fuel or nuclear waste which results in burning of nuclear fuel or;
    2. the radioactive, toxic, explosive or other dangerous properties of nuclear machinery or any part of it;
  8. loss or damage arising from war, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, civil commotion or uprising, blockade, military or usurped power;
  9. any act of terrorism (this exclusion does not apply to Emergency Medical and Repatriation Expenses or Personal Accident claims);
  10. you riding on a motorcycle with an engine capacity in excess of 250cc or of any engine size if you fail to wear a crash helmet or have not paid the appropriate additional premium;
  11. you riding on a quad bike;
  12. you driving a motor vehicle or riding a motorcycle without an appropriate licence or when not insured under a motor insurance policy;
  13. any sports or activities not listed under the sports and activities tables or which you have not paid the appropriate premium for;
  14. winter sports of any kind (unless the appropriate premium has been paid);
  15. any payment which you would normally have made during your travels, if nothing had gone wrong (for example, meals);
  16. your travel to a country or specific area or event to which the Travel Advice Unit of the Foreign and Commonwealth Office or the World Health Organisation has advised against all, or all but essential travel;
  17. claims arising from your wilful, malicious or unlawful acts;
  18. a pre-existing medical condition;
  19. you driving, or in charge of a vehicle where your blood/urine alcohol level is above the legal limit stated in the laws of the country where the incident occurs;
  20. your failure to meet the eligibility criteria under this policy.
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