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Travel Insurance Policy - Virgin Holidays

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					Important telephone numbers
Travel insurance helpline (queries only):                                    0871 200 2297

24-hr Emergency medical assistance                  Outside UK:              +44 20 8666 0605
                                                    Within UK:               020 8666 0605

24-hr Legal helpline                                Outside UK:              +44 20 8666 9213
                                                    Within UK:               020 8666 9213

24-hr Homecare helpline                             Outside UK:              +44 20 8666 9212
                                                    Within UK:               020 8666 9212


Claims:                                                                      020 8666 0606




                                                                                                                                    Travel Insurance Policy

                            This policy is available in large print,
                                      audio and Braille.

                                         Please contact us on
                                        Phone 0871 200 2297
                                      Textphone 020 8666 9562

                           and we will be pleased to organise an
                               alternative version for you.




        Virgin Holidays Limited, Registered address: 120 Campden Hill Road, London W8 7AR. Registered No. 01873815

The travel insurance brought to you by Virgin Holidays is underwritten by ELVIA Travel Insurance International N.V. (Netherlands)
              and is administered in the UK by: Mondial Assistance (UK) Limited, Registered in England No 1710361.
            Registered Office: Mondial Assistance (UK) Limited, Mondial House, 102 George Street, Croydon CR9 1AJ.
                                                 www.mondial-assistance.co.uk

 ELVIA Travel Insurance International N.V. (Netherlands) is authorised by De Nederlandsche Bank (DNB) in the Netherlands and
                         regulated by the Financial Services Authority for the conduct of UK business.

  Mondial Assistance (UK) Limited will act as agent for ELVIA Travel Insurance International N.V (Netherlands) with respect to
            the receipt of customer money and for the purpose of settling claims and handling premium refunds.




Ref: 2435TVL (1) 04.07                          All paper used in this policy is produced from sustainable forests
                                              SUMMARY OF COVER
This summary of the cover shows the categories of cover and options available on the travel insurance policy brought to
you by Virgin Holidays. The level of cover and options you have selected are shown on your proof of insurance. You
should read the rest of this policy for the full terms and conditions.

Please note your Virgin Holidays booking reference number will act as your travel insurance policy number.


   Cover                                                  Limit (up to)                                  Excess              Additional covers                                        Limit (up to)                                     Excess

                                                                                                Standard          Gold                                                                                                        Standard           Gold
 1 Cancellation or curtailment                          £5,000                                    £50              Nil    16 Winter sports cover
   (Loss of excursions)                                 (£150)                                                               Ski pack                                               £225 max                                      Nil            Nil
                                                                                                                             Delayed ski equipment                                  £10 / day £90 max                             Nil            Nil
 2 Emergency medical and associated expenses            £10 million                                £50            Nil        Ski equipment                                          £400                                         £50             Nil
   (In-patient benefit)                                 £20 per day £600 max                       Nil            Nil        (Single article)                                       (£250 max)                                   £50             Nil
                                                                                                                             Piste closure                                          £25 / day £250 max                            Nil            Nil
 3 Loss of passport                                     £250                                       Nil            Nil        Avalanche closure                                      £20 / day £200 max                            Nil            Nil

 4 Delayed possessions                                  £150                                       Nil            Nil     17 Golf cover
                                                                                                                             Loss of green fees                                     £200                                          Nil            Nil
 5 Personal possessions                                 £1,500                                     £50            Nil
   (Single article, pair or set)                        (£250 max)                                                           Delayed golf equipment                                 £450                                          Nil            Nil
   (Valuables)                                          (£400)                                                               Golf equipment                                         £1,500                                       £50             Nil
                                                                                                                             (Single article)                                       (£250 max)
 6 Personal money                                       £500                                       £50            Nil
                                                        (£250 max - cash limit)                                              Hole in one cover                                      £75                                           Nil            Nil

 7 Personal accident                                    £30,000 - death                            Nil            Nil     18 Wedding cover
   (Age restrictions apply)                             £30,000 - loss limb / sight                                          Wedding attire                                         £1,000 per couple                            £50             Nil
                                                        £30,000 - disablement
                                                                                                                             Wedding rings                                          £500 per couple                              £50             Nil
 8 Missed departure                                     £600 - within Europe                       Nil            Nil        Wedding video / photographs                            £750 per couple                              £50             Nil
                                                        £1,000 - outside Europe                    Nil            Nil

 9 Delayed departure
   Delay                                                £100 (£25 per 8 hours)                     Nil            Nil     Note
   Abandonment                                          £5,000                                     £50            Nil     • Cover for Winter sports - section 16, Golf cover - section 17 and Wedding cover - section 18 is only applicable when shown
                                                                                                                             on your proof of insurance
10 Personal liability                                   £2 million                                 £50            Nil     • Some sections of cover also have extra sub limits, for example the Emergency medical and associated expenses section
                                                                                                                             has a limit for dental cover.
11 Legal expenses                                       £25,000                                    Nil            Nil

12 Hijack /mugging                                      £50 per day £1,000 max - hijack
                                                        £50 - mugging                              Nil            Nil

13 Catastrophe cover                                    £500                                       Nil            Nil

14 Pet cover                                            £250                                       Nil            Nil

15 Home care                                            £250                                       Nil            Nil




           Travel insurance helpline (queries only):                              0871 200 2297

           24-hr Emergency medical assistance               Outside UK:           +44 20 8666 0605
                                                            Within UK:            020 8666 0605

           24-hr Legal helpline                             Outside UK:           +44 20 8666 9213
                                                            Within UK:            020 8666 9213

           24-hr Homecare helpline                          Outside UK:           +44 20 8666 9212
                                                            Within UK:            020 8666 9212


           Claims:                                                                020 8666 0606


                                                           1                                                                                                                           2
             IMPORTANT INFORMATION
Thank you for taking out the travel insurance brought to you             Financial Services Compensation Scheme (FSCS)                        •    Category B - Covered at an extra premium:                          Family
by Virgin Holidays with us.                                              For your added protection, the insurer is covered by the FSCS.            backpacking, body boarding, boogie boarding, bridge                Two adults and all of their children (including foster children)
Your proof of insurance shows level of cover and section                 You may be entitled to compensation from the scheme if we                 swinging (more than one), bungee jumping (more than                aged up to 17 and under if in full time education. Each adult
options you have chosen, the people who are covered and any              cannot meet our obligations. This depends on the type of                  one), caving, cruises over 17 days, cycling (main mode of          can travel independently, however all insured children must
special terms or conditions that may apply. It is very important         business and the circumstances of the claim.                              transport), fencing, football tours (taking part, not              travel with at least one of the insured adults.
that you read the whole of this policy before you travel and             Insurance cover is limited up to 100% of the first £2,000 and             professional/semi), gaelic football (taking part not               Golf equipment
make sure you understand exactly what is and is not covered              90% of the remainder of the claim, without any upper limit.               professional/semi), go-karting, hang gliding, heli skiing,         Golf clubs, golf bag, golf trolley and golf shoes.
and what to do if you need to claim. If you need to contact us,                                                                                    hiking, hill walking, hot air ballooning (as a passenger),         Home
you should call 0871 200 2297.                                           Further information about the compensation scheme                         hunting, judo, lacrosse, low impact 4x4 driving, luge,
                                                                         arrangements is available from the FSCS, telephone number                                                                                    Your usual place of residence in the UK.
Insurer                                                                                                                                            martial arts, motor cycling (main mode of transport),
                                                                         020 7892 7300, or by visiting their website at www.fscs.org.uk.                                                                              Insurer
Your travel insurance brought to you by Virgin Holidays is                                                                                         mountain biking, parachuting, paragliding, polo,
                                                                                                                                                                                                                      ELVIA Travel Insurance International N.V. (Netherlands).
underwritten by ELVIA Travel Insurance International N.V.                Governing law                                                             potholing, quad biking, rock climbing, safari over 17 days,
                                                                         Unless agreed otherwise, English law will apply and all                   sand yachting, scuba diving (18 to 30 metres), shark               Journey
(Netherlands) and administered in the United Kingdom by                                                                                                                                                               A trip that takes place during the period of insurance which
Mondial Assistance (UK) Limited.                                         communications and documentation in relation to this policy will          diving, spear fishing (without tanks), street luge
                                                                         be in English. In the event of a dispute hereunder, the English           (designated course), trampolining, trekking (up to 5,449           begins when you leave home and ends when you get back home
How your policy works                                                    courts shall have exclusive jurisdiction.                                 metres), triathlon, walking (more than 15 miles per day),          or to a hospital or nursing home in the UK, whichever is earlier.
Your policy and proof of insurance is a contract between you                                                                                       water polo, water skiing, weight lifting.                          • For single trip cover
and the insurer. We will pay for any claim you make which is             Contracts (Rights of Third Parties) Act 1999                                                                                                     - You will only be covered for if your trip involves travel
                                                                         We, the insurer and you do not intend any term of this contract           You are also covered at an extra premium for the following
covered by this policy and happens during the period of                                                                                                                                                                      booked with Virgin Holidays.
                                                                         to be enforceable by any third party pursuant to the Contract             when in a pool or inland waters within a 12 mile limit:
insurance. Unless specifically mentioned the benefits and                                                                                                                                                                 - any other trip which begins after you get back is not
                                                                         (Rights of Third Parties) Act 1999.                                       rafting (grade 4 and 5), canoeing (grade 4 and 5).
exclusions within each section, apply to each person insured.                                                                                                                                                                covered.
Your policy does not cover all possible events and expenses.                                                                                  • Category X - No cover provided:                                           - a trip which is booked to last longer than 90 days is not
                                                                                                                                                   american football, boxing, canoeing (above grade 5),                      covered.
Certain words have a special meaning as shown under the                                                                                            canyoning, cliff diving, endurance races, flying, football
heading ‘Definition of words’. These words have been
                                                                                         DEFINITION OF WORDS                                                                                                          • For annual multi-trip cover
                                                                                                                                                   tours (taking part and professional/semi), gaelic football             - you will only be covered if you are aged 74 or under at
highlighted by the use of bold print throughout the policy               When the following words and phrases appear in the policy                 (taking part and professional/semi), glider flying, manual
document.                                                                document or proof of insurance, they have the meanings                                                                                              the start date of your policy.
                                                                                                                                                   work (with machinery or in the building or construction                - a trip which is booked to last longer than 42 days is not
                                                                         given below. These words are highlighted by the use of bold               trade), microlight flying, mountaineering (ropes and/or
Telling us about relevant facts                                                                                                                                                                                              covered.
                                                                         print.                                                                    guides), private flying, rafting (above grade 5), rugby
Before you travel you must tell us about anything that may                                                                                                                                                                - trips within the UK must be for at least 2 nights and have:
affect your cover. If you are not sure whether something is                                                                                        (taking part), scuba diving (in excess of 30 metres), ski                 i pre-booked transport or accommodation; or
                                                                         Accident
relevant, you must tell us anyway. You should keep a record of                                                                                     acrobatics, ski flying, ski mountaineering, ski radonee, ski              ii be more than 25 miles from your home (unless it
                                                                         An unexpected event caused by something external and
any extra information you give us. If you do not tell us about                                                                                     stunting, sky diving, sky surfing, trekking (over 5,450                      involves a sea crossing).
                                                                         visible, which results in physical bodily injury, leading to total
something that may be relevant, your cover may be refused                                                                                          metres), working with children in any capacity, wrestling.             - when the extra premium has been paid for winter
                                                                         and permanent loss of sight, total and permanent loss of use
and we may not cover any related claims.                                                                                                           There is no cover for:                                                    sports, you will be covered for taking part in winter
                                                                         of a limb or permanent disablement or death, within a year of
                                                                                                                                                   - any professional sporting activity; or                                  sports activities for up to 22 days in total during the
Cancellation rights                                                      the incident.
                                                                                                                                                   - any kind of racing except racing on foot; or                            period of insurance.
If your cover does not meet your requirements, please notify us          Adventurous activities                                                    - any kind of manual work (except as described under                   - you will only be covered if at least one of your trips
within 14 days of receiving your proof of insurance and return           The following activities have been categorised according to                   Category A).                                                          involves travel booked with Virgin Holidays.
all your documents for a refund of your premium.                         the level of cover we are prepared to offer:                         We may be able to cover you for other activities that are not
You can contact Virgin Holidays on 0870 220 0088.                        • Category A - Covered at no extra premium:                                                                                                  Legal action
                                                                                                                                              listed. Please contact Virgin Holidays on 0870 220 0088. An
                                                                             abseiling, aerobics, angling (freshwater / pier / sea),                                                                                  Work carried out to support a claim that we have agreed to.
If during this 14 day period you have travelled, made a claim or                                                                              extra premium may need to be paid.
                                                                             archery, athletics, badminton, ballet, baseball, basketball,                                                                             This includes settlement negotiations, hearings in a civil
intend to make a claim then we can recover all costs that you                                                                                 Appointed adviser                                                       court, arbitration and any appeals resulting from such
have used for those services.                                                beach games, birdwatching, bowls, bridge swinging                The solicitor or appropriately qualified person, firm or
                                                                             (single), bungee jumping (single), camping, cricket,                                                                                     hearings other than an application by you:
                                                                                                                                              company, including us, who is chosen to act for you in your             • to the European Court of Justice, European Court of
Please note that your cancellation rights are no longer valid                croquet, cruises up to 16 days, cycling (not bmx or              claim for compensation.                                                     Human Rights or similar International body; or
after this initial 14 day period.                                            mountain or main mode of transport), deep sea fishing,
                                                                                                                                              Area of cover                                                           • to enforce a judgement or legally binding decision.
Policy excess                                                                farm work (unpaid, excluding operating machinery), fell
                                                                                                                                              Worldwide                                                               Legal costs
Under some sections of your policy, you will have to pay an                  walking, fishing, fitness training, fives, fly fishing, grass
                                                                             skiing, gymnastics, handball, high diving – pool, hockey,        Doctor                                                                  Fees, costs and expenses (including Value Added Tax or
excess. This means that you will be responsible for paying the
                                                                             horse riding (not jumping), ice-skating (rink only), in-line     A legally qualified doctor holding the necessary certification          equivalent local goods and services tax) which we agree to
first part of the claim for each person insured, for each section,
                                                                             skating, jet skiing (as a one-off only), jogging, keep fit,      in the country in which they are currently practising, other            pay for you in connection with legal action. Also, any costs
for each incident. The amount you have to pay is the excess.
                                                                             marathon running, motor cycling (up to 125cc and not             than you or a relative.                                                 which you are ordered to pay by a court or arbitrator (other
You will not have to pay an excess if the gold cover premium is
paid and this is shown on your proof of insurance.                           main mode of transport), netball, orienteering, pedaloes,        Departure point                                                         than damages, fines and penalties) or any other costs we
                                                                             pony/elephant/camel trekking, racquet ball, rambling,            The airport, international train station or port where your             agree to pay.
Data protection                                                                                                                               journey from the UK to your destination begins and where
                                                                             road running, roller blading, roller hockey, roller skating,                                                                             Pair or set
Information about your policy may be shared between Virgin                                                                                    the final part of your journey back to the UK begins.
                                                                             safari up to 16 days, sand boarding, shooting (target),                                                                                  A number of items of personal possessions (not including ski
Holidays, Mondial Assistance (UK) Limited and ELVIA Travel
                                                                             singing, skateboarding, snooker, pool and billiards,             Europe                                                                  equipment and golf equipment) that belong together or can
Insurance International N.V. (Netherlands) for underwriting
                                                                             snorkelling, softball, spectating (at music or sporting          UK, Continental Europe, Mediterranean Islands, Morocco,                 be used together.
purposes.
                                                                             events) squash, swimming, swimming with dolphins, table          Algeria, Tunisia, Libya, Egypt, Israel, Turkey, Madeira, Canary         Period of Insurance
You should understand that the sensitive health and other                    tennis, tenpin bowling, tennis, volleyball, walking (up to       Islands, the Azores, the Republic of Ireland, Iceland, Russia,          • For single trip cover
information you provide will be used by us, our representatives,             15 miles per day), weight training, whale watching.              Estonia, Latvia, Lithuania, Belarus, Ukraine, Moldova and                   Cancellation cover begins from the issue date shown on
the insurer, other insurers and industry governing bodies and                You are also covered at no extra premium for the                 Georgia.                                                                    your proof of insurance and ends at the beginning of your
regulators to process your insurance, handle claims and                      following when in a pool or inland waters within a 12 mile       Excess                                                                      journey. The cover for all other sections starts at the
prevent fraud. This may involve transferring information to                  limit:                                                           The deduction we will make from the amount otherwise                        beginning of your journey and finishes at the end of your
other countries (some of which may have limited or no data                   boating, canoeing (up to grade 3), parascending (towed           payable under this policy for each person insured, for each                 journey.
protection laws). We have taken steps to ensure your                         by boat), rafting (up to grade 3), rowing, sailing, scuba        section, for each claim incident. For example a couple that             • For annual multi-trip cover
information is held securely.                                                diving (to 18 metres), snorkelling, surfing, swimming,           both have personal possessions stolen from their bag and                    Cancellation cover begins on the start date shown on
Your information will not be shared with third parties for                   water skiing, wind surfing, yachting.                            both incur a medical expense during the same journey, will                  your proof of insurance or the date you booked your
marketing purposes. You have the right to access your personal                                                                                have a total of four excesses deducted. Two of these will be                journey, which ever is the later and ends at the beginning
records.                                                                                                                                      for the two claims under section 5 (possessions) and two of                 of your journey. The cover for all other sections starts at
                                                                                                                                              these will be for the two claims under section 2 (medical). The             the beginning of your journey and finishes at the end of
                                                                                                                                              excess will not apply when the gold cover premium has been                  your journey.
                                                                                                                                              paid and this is shown on your proof of insurance.
                                                                     3                                                                                                                                            4
                                                                                                                                                       24-HOUR                                                      HEALTH DECLARATION AND HEALTH
•    For single trip and annual multi-trip cover                      Wedding ring                                                           EMERGENCY MEDICAL ASSISTANCE                                                     EXCLUSIONS
     All cover ends on the expiry date shown on your proof of         The ring of the insured bride or bridegroom, who are to be
                                                                                                                                       Please tell us immediately about any serious illness or              These apply to the Cancellation or curtailment charges,
     insurance, unless you cannot finish your journey as              married during the journey.
                                                                                                                                       accident abroad where you have to go into hospital or you            Emergency medical and associated expenses and Personal
     planned because of death, injury or illness or there is a        Winter sports                                                    may have to return home early or extend your stay because            accident sections.
     delay to the public transport system that cannot be              The following activities are covered if winter sports cover is   of any illness or injury. If you are unable to do this because
     avoided. In these circumstances we will extend cover free        shown on your proof of insurance:                                the condition is life, limb, sight or organ threatening, you         It is very important that you read and understand the
     of charge until you can reasonably finish that journey.          • On piste snowboarding, skiing, snow cat skiing, mono-          should contact us as soon as you can. You must also tell us          following.
Cover for personal money under section 6 begins 72 hours                   skiing and ski-bobbing                                      if your medical expenses are over £250. If you are claiming
before your journey starts or from the time you have                  • ice-skating, curling, dog sledging and ice fishing             for a minor illness or accident you should, where possible,          1     You are not covered (for the relevant condition) if you
collected your foreign currency, whichever is the later.              • bob-sleighing, luge, tobogganing and snow mobiling             pay the costs and reclaim the money from us when you                       have suffered from or been treated for or diagnosed with
Personal money                                                        • cross-country skiing on locally-recognised tracks.             return. You can call 24 hours a day 365 days a year or email.              any of the following during the 12 months before your
Cash, cheques, postal and money orders, current postage               Off piste skiing is covered when you are skiing within the ski                                                                              policy was issued.
stamps, travellers’ cheques, coupons or vouchers which have           area boundaries of a recognised ski resort and following ski                                                                                • A heart or circulatory related condition
                                                                                                                                         From outside the UK phone +44 8666 0605
a monetary value, admission tickets and travel tickets, all           patrol guidelines.                                                                                                                              (hypertension, angina, stroke and so on).
held for private and not business purposes.                           We may be able to cover you for other activities that are not      Fax +44 20 8603 0204 textphone +44 20 8666 9562                          • A lung or breathing related condition (not including
Personal possessions                                                  listed. Please contact Virgin Holidays on 0870 220 0088. An                                                                                     asthma, when it is controlled and you have no other
Each of your suitcases, trunks and similar containers                                                                                    From within the UK phone 020 8666 0605                                       medical condition).
                                                                      extra premium may need to be paid.                                 Fax 020 8603 0204 textphone 020 8666 9562
(including their contents) and articles worn or carried by you                                                                                                                                                    • Cancer.
                                                                      You, your, person insured
(including your valuables and passport).                                                                                                 email international_dept@mondial-assistance.co.uk                        • A psychological condition.
                                                                      Each person shown on the proof of insurance, for whom the
Redundancy                                                                                                                                                                                                        • A terminal condition.
                                                                      appropriate insurance premium has been paid.
Loss of permanent paid employment (except voluntary                                                                                    Please give us your age and your policy number. Say that you         2     You will not be covered for any claim arising from a
redundancy), after a continuous working period of two years                                                                            are insured with travel insurance brought to you by Virgin                 medical condition of someone you were going to stay
if you are aged 18 and over or 65 and under.                                                                                           Holidays.                                                                  with, a travelling companion, a relative or a business
                                                                                                                                                                                                                  associate if you are aware of the medical condition at the
Relative                                                                                                                               Below are some of the ways the 24-hour emergency medical
                                                                                                                                                                                                                  time your policy was issued.
Your mother (in-law), father (in-law), step parent (in-law),                                                                           assistance service can help.
                                                                                                                                                                                                            3     You will not be covered if you travel against the advice of
sister (in-law), brother (in-law), wife, husband, son (in-law),                                                                        Confirmation of payment                                                    a doctor or where you would have been if you had sought
daughter (in-law), step child, foster child, grandparent,                                                                              We will contact hospitals or doctors abroad and guarantee to               their advice before beginning your journey.
grandchild, uncle, aunt, nephew, niece, cousin, partner                                                                                pay their fees, providing you have a valid claim.                    4     You will not be covered if you know you will need medical
(including common law and civil partnerships) or fiancé(e).                                                                            Repatriation                                                               treatment during your journey or you are travelling
Resident                                                                                                                               If our medical advisers think it would be in your medical                  specifically to get medical treatment.
A person who has their main home in the UK and has not                                                                                 interests to bring you back to your home or to a hospital or         5     You will not be covered for any directly or indirectly
spent more than six months abroad during the year before                                                                               nursing home in the UK, you will normally be transferred by                related claim if, before your journey, a doctor diagnosed
the policy was issued.                                                                                                                 regular airline or road ambulance. Where medically                         that you have a terminal condition.
Ski equipment                                                                                                                          necessary in very serious or urgent cases, we will use an air        6     You will not be covered if you were waiting for medical
                                                                                                                                       ambulance. We will consult the treating doctor and our                     treatment as an hospital in-patient or were under
This consists of skis, poles, boots, bindings, snowboards or
                                                                                                                                       medical advisers first. If you need to go home early, the                  investigation for a medical condition when your policy
ice skates.
                                                                                                                                       treating doctor must provide a certificate confirming that                 was issued.
Ski pack                                                                                                                               you are fit to travel. Without this the airline can refuse to        7     You will not be covered for claims relating to pregnancy
Hired ski equipment, ski school fees and lift passes.                                                                                  carry any sick or injured person.                                          or childbirth, where the pregnancy is more than:
Travelling companion                                                                                                                   You can contact us at any time day or night. You will be                   • 24 weeks at the end of a journey outside of Europe; or
Any person that has booked to travel with you on your                                                                                  answered by one of our experienced assistance co-ordinators                • 28 weeks at the end of a journey within Europe.
journey.                                                                                                                               who you should give all relevant information to. Please make
United Kingdom (UK)                                                                                                                    sure you have details of your policy before you phone.
England, Scotland, Wales, Northern Ireland, the Channel                                                                                Reciprocal health arrangements
Islands and the Isle of Man.                                                                                                                                                                                    Note
                                                                                                                                       European Health Insurance Card (EHIC) - the replacement for
                                                                                                                                                                                                                This is not a private medical insurance policy and only
Valuables                                                                                                                              the E111
                                                                                                                                       • The EHIC entitles you to reduced-cost, sometimes free,                 gives cover for emergency medical treatment in the event
Jewellery, watches, items made of or containing precious
                                                                                                                                           medical treatment that becomes necessary while you are               of accident or unexpected illness occurring during your
metals or semi/precious stones, furs, binoculars, telescopes,
                                                                                                                                           in a European Economic Area (EEA) country or                         journey.
computer games, any kind of photographic, audio, video,
                                                                                                                                           Switzerland. The EEA consists of the European Union (EU)
computer, television, fax and phone equipment (including
                                                                                                                                           countries plus Iceland, Liechtenstein and Norway.
mobile phones), MP3 players, PDAs, electronic games, TVs
                                                                                                                                       • The card gives access to state-provided medical
and CDs, mini discs, DVDs, cartridges, video and audio tapes.                                                                              treatment only. Remember, this might not cover all the
We, our, us                                                                                                                                things you would expect to get free of charge from the
Mondial Assistance (UK) Limited which administers the                                                                                      NHS in the UK. You may have to make a contribution to
insurance on behalf of the insurer.                                                                                                        the cost of your care
Wedding attire                                                                                                                         • You may apply for an EHIC online at
The wedding dress, wedding suit, and other accessories                                                                                     www.dh.gov.uk/travellers or by calling 0845 606 2030.
including shoes, make up, hair styling and flowers all bought                                                                              Application forms are also available from the Post Office.
especially for the insured bride and bridegroom to use on                                                                              Australia
their wedding day during the journey.                                                                                                  • If you are travelling to Australia you can enrol in
Wedding gifts                                                                                                                             Medicare which will entitle you to subsidised hospital
Gifts given to the insured bride and bridegroom during the                                                                                treatments and medicines. You can do this by contacting
journey. These may be sent in advance or purchased during                                                                                 a local Medicare office in Australia.
the journey.                                                                                                                           • All claims for refunds under the Medicare scheme must
                                                                                                                                          be made before you leave Australia. For more
                                                                                                                                          information on Medicare visit:
                                                                                                                                          www.medicareaustralia.gov.au or email:
                                                                                                                                          medicare@medicareaustralia.gov.au.
                                                                                                                                       If you make use of these arrangements or any other
                                                                                                                                       worldwide reciprocal health arrangement which reduces
                                                                                                                                       your medical expenses, you will not have to pay an excess.
                                                                  5                                                                                                                                     6
               GENERAL EXCLUSIONS                                                                                                                        MAKING A CLAIM
The following exclusions apply to the whole of your policy:         5   You contact us as soon as possible with full details of       To claim, phone 020 8666 0606 textphone 020 8666 9562                  For loss or damage in transit claims, including delayed
                                                                        anything which may result in a claim and give us all the      (between 10am and 4pm Monday to Friday) and ask for a                      possessions
We will not cover you for any claim arising from, or relating
                                                                        information we ask for. Please see section ‘Making a          claim form or write to: Mondial travel insurance claims                • Please obtain a Property Irregularity Report (PIR) from
   to, the following:
                                                                        claim’ on pages 8-9 for more information.                     department, Mondial Assistance (UK) Limited, 102 George                    the airline or a carrier’s report from the rail company,
1 A relevant fact that you knew about before you
                                                                    6   You accept that no alterations to the terms and               Street, Croydon CR9 1AJ.                                                   shipping line or their handling agent. This should be done
   travelled, unless we agreed to it in writing.
                                                                        conditions of the policy apply, unless we confirm them in                                                                                within 7 days of the delay / loss / damage. You have 21
2 War, invasion, act of foreign enemy, hostilities (whether                                                                           You should fill in the form and send it to us as soon as
                                                                        writing to you.                                                                                                                          days to write to the airline confirming details of essential
   war is declared or not) civil war, civil commotion,                                                                                possible with all the information and documents we ask for.
                                                                    7   You are not aged 75 or over at the start date of your                                                                                    replacement items purchased.
   rebellion, revolution, insurrection, military force, coup                                                                          It is essential that you provide us with as much detail as
                                                                        policy for annual multi-trip cover.                                                                                                  Personal accident
   d’etat, terrorism, weapons of mass destruction.                                                                                    possible to enable us to handle your claim quickly. Please
3 Any epidemic or pandemic.                                         We have the right to do the following                             keep photocopies of all information you send us.                       • Detailed account of the circumstances surrounding the
4 You not following any suggestions or recommendations              1 Cancel the policy and make no payment if you make a                                                                                        event (including, photographs and video evidence if this
                                                                                                                                      You will need to obtain some information about your claim
   made by any government or other official authority                  fraudulent claim. We may in these instances report the                                                                                    applies).
                                                                                                                                      while you are away. Below is a list of the documents we will
   including the Foreign and Commonwealth Office during                matter to the police.                                                                                                                 • Medical evidence from the treating doctor to confirm the
                                                                                                                                      need in order to deal with your claim.
   the period of insurance.                                         2 Only cover you for the whole of your journey and not                                                                                       extent of the injury and treatment given including,
                                                                                                                                      For all claims                                                             hospital admission / discharge.
5 Your property being held, taken, destroyed or damaged                issue a policy if you have started your journey.
                                                                                                                                      • Your original journey booking invoice(s) and travel                  • Full details of any witnesses, providing written
   under the order of any government or customs officials.          3 Take over and deal with, in your name, any claim you
                                                                                                                                            documents showing the dates and times of travel.                     statements where available.
6 Ionising radiation or radioactive contamination from                 make under this policy.
                                                                                                                                      • Original receipts and accounts for all out of pocket                 • A certified copy of the death certificate if this applies.
   nuclear fuel or nuclear waste or any risk from nuclear           4 Take legal action in your name (but at our expense) and
                                                                                                                                            expenses you have to pay.
   equipment.                                                          ask you to give us details and fill in any forms (including                                                                           Missed departure
                                                                                                                                      • Original bills or invoices you are asked to pay.
7 Any currency exchange rate changes.                                  Department of Social Security forms), which will help us                                                                              • Detailed account of the circumstances causing you to
                                                                                                                                      • Details of any other insurance you may have that may
8 The failure or fear of failure or inability of any                   to recover any payment we have made under this policy.                                                                                    miss your departure together with supporting evidence
                                                                                                                                            cover the same loss, such as household or private medical.
   equipment or any computer program, whether or not                5 With your permission, get information from your medical                                                                                    from the public transport provider or accident /
                                                                                                                                      • As much evidence as possible to support your claim.
   you own it, to recognise or to correctly interpret or               records to help us or our representatives deal with any                                                                                   breakdown authority attending the private vehicle you
                                                                       claim. This could include a request for you to be medically    Cancellation or curtailment                                                were travelling in.
   process any date as the true or correct date, or to
                                                                       examined or for a post mortem to be carried out in the         • If you need to curtail your journey call within the
   continue to function correctly beyond that date (except                                                                                                                                                   Delayed departure
                                                                       event of your death. We will not give personal                       UK 020 8666 0605 textphone 020 8666 9562, outside
   under the Emergency medical and associated expenses                                                                                                                                                       • Written confirmation from the airline, rail company,
                                                                       information about you to any other organisation without              the UK +44 20 8666 0605, textphone +44 20 8666 9562
   and Personal accident sections).                                                                                                                                                                              shipping line or their handling agent of the scheduled and
                                                                       your specific agreement.                                             immediately to get our prior agreement.
9 You acting in an illegal or malicious way.                                                                                                                                                                     actual departure times and why the departure was
                                                                    6 Send you home at any time during your journey if you            • Original cancellation invoice(s) detailing all cancellation
10 You not enjoying your journey.                                                                                                                                                                                delayed.
                                                                       are taken ill or injured. We will only do this if the doctor         charges incurred.
11 Any loss caused as a direct or indirect result of anything                                                                                                                                                Personal liability
                                                                       treating you and our medical advisers agree. If there is a     • For claims relating to illness or injury a medical
   you are claiming for, for example loss of earnings, unless                                                                                                                                                • A detailed account of the circumstances surrounding the
                                                                       dispute, we will ask for an independent medical opinion.             certificate will need to be completed by the treating
   it says differently in the policy.                                                                                                                                                                            claim (including, photographs and video evidence if this
                                                                    7 Not accept liability for costs incurred after the date the            doctor. A certified copy of the death certificate is
                                                                                                                                            required in the event of death.                                      applies).
                                                                       treating doctor and our medical advisers agree you                                                                                    • Any writ, summons or other correspondence received
                                                                       should return to the UK, if you refuse to be repatriated.      • If your claim results from any other circumstances,
                                                                                                                                            please provide evidence of these circumstances.                      from any third party. Please note that you should not
                      CONDITIONS                                    8 Only refund or transfer your premium if you decide that                                                                                    admit liability, offer to make any payment or correspond
                                                                       the policy does not meet your needs and you have               Medical expenses
                                                                                                                                                                                                                 with any third party without our written consent.
The following conditions apply to the whole of your policy.            contacted us within 14 days from the date you receive          • Always contact our 24-hour emergency medical service
                                                                                                                                                                                                             • Full details of any witnesses, providing written
Please read these carefully as we can only pay your claim if           your policy and proof of insurance. We can recover all               when you are hospitalised, require repatriation or where
                                                                                                                                                                                                                 statements where available.
you meet these:                                                        costs that you have used if you have travelled or made a             medical fees are likely to exceed £250.
                                                                                                                                      • Medical evidence from the treating doctor to confirm                 Legal expenses
1   You are a resident of the UK.                                      claim or intend to make a claim.
                                                                                                                                            the illness or injury and treatment given including              • Detailed account of the circumstances surrounding the
2   You take reasonable care to protect yourself and your           9 Not to pay any claim on this policy (except under the
                                                                                                                                            hospital admission and discharge dates, if this applies.             event (including, photographs and video evidence if this
    property against accident, injury, loss and damage and             Personal accident section) for any amounts covered by
                                                                                                                                      • If you are advised by a doctor at your resort that you                   applies) within 90 days of the event causing your claim.
    act as if you are not insured and to minimise any                  another insurance. In these circumstances we will only
                                                                                                                                            cannot go on your pre-booked excursions because of               • Any writ, summons or other correspondence received
    potential claim.                                                   pay our share of the claim.
                                                                                                                                            medical reasons, you should obtain a medical certificate             from any third party. Please note that you should not
3   You have a valid proof of insurance.                            10 If you cancel or cut short your journey:
                                                                                                                                            from them confirming this.                                           reply to any correspondence from a third party without
4   You accept that we will not extend the period of                   • All cover provided on your single trip policy will be
                                                                                                                                                                                                                 our written consent.
    insurance:                                                              cancelled without refunding your premium.                 If your passport is lost, stolen or destroyed
                                                                                                                                                                                                             • Full details of any witnesses, providing written
    • for single trip if the original policy plus any                  • All cover provided on your annual multi-trip policy for      • Written confirmation from the Consulate where the loss
                                                                                                                                                                                                                 statements where available.
        extensions have either ended, been in force for                     that journey will be cancelled without refunding your           happened detailing the date of loss, notification of loss
                                                                            premium.                                                        and replacement together with a written report from              Mugging
        longer than 90 days or you know you will be making
                                                                    11 Ask you to pay us back any amounts that we have paid to              the police.                                                      • Report the mugging to the police within 24-hours of the
        a claim.
                                                                       you which are not covered by this policy.                                                                                                 incident and ask them for a written report confirming you
    • for annual multi-trip cover beyond the expiry of your                                                                           Personal possessions and Personal money
                                                                                                                                                                                                                 were hospitalised as a result of the mugging.
        policy.                                                                                                                       • Report the theft, damage or loss to the police within 24
                                                                                                                                            hours of discovery and ask them for a written police             Catastrophe cover
                                                                                                                                            report.                                                          • Written confirmation from the company providing your
                                                                                                                                      • If appropriate, you should also report the theft, damage                 accommodation, your tour operator or the police of the
                                                                                                                                            or loss to your courier or hotel / apartment manager                 reason and dates that you could not use your
                                                                                                                                            and ask for a written report.                                        accommodation.
                                                                                                                                      • Original receipts, vouchers or other suitable evidence of            Pet care
                                                                                                                                            purchase / ownership / value for lost, stolen or damaged         • Written confirmation from the airline, rail company,
                                                                                                                                            personal possessions.                                                shipping line or their handling agent of the scheduled and
                                                                                                                                      • Confirmation, such as foreign exchange receipts and                      actual departure times and why the departure was
                                                                                                                                            withdrawal slips, from your bank or bureau de change                 delayed.
                                                                                                                                            for issuing foreign currency, or suitable evidence for           Home care
                                                                                                                                            Sterling.                                                        • Written confirmation from company repairing your home
                                                                                                                                      • Keep any damaged items as we may need to inspect                         confirming costs resulting from either fire, flood or theft.
                                                                                                                                            them. If we make a payment, or we replace an item, the
                                                                                                                                            item will then belong to us.
                                                                                                                                      • Obtain an estimate for repair for all damaged items.



                                                                7                                                                                                                                        8
                                                                                      MAKING A COMPLAINT                                  CANCELLATION OR CURTAILMENT CHARGES
WINTER SPORTS                                                          We aim to provide you with a first class policy and service.                    - SECTION 1
Ski pack                                                               However, there may be times when you feel we have not
• Medical evidence from the treating doctor to confirm the                                                                                If you think you may have to cut your journey short (curtail), we
                                                                       done so. If this is the case, please tell us about it so that we                                                                            More than the minimum market value of equivalent
    illness or injury and treatment given including hospital                                                                              must be told immediately - see ‘24-hour emergency medical
                                                                       can do our best to solve the problem. If you make a                                                                                         travel tickets, if your travel tickets have been paid for
    admission / discharge if this applies.                                                                                                assistance’ on page 6 for more information.
                                                                       complaint your legal rights will not be affected.                                                                                           using an airline mileage reward scheme.
• If you are advised by a doctor at your resort that you               In the first instance, please contact The Quality Standards                        WHAT YOU ARE COVERED FOR                                 Anything caused by:
    cannot take part in your                                           Manager, Mondial Assistance (UK) Limited, Mondial House,                                                                                    - you not having the correct passport or visa;
    pre-booked ski activities because of medical reasons, you          102 George Street, Croydon, CR9 1AJ.                               We will pay up to £5,000 in total (including up to £150 for              - any restriction caused by the law of any country or
    should obtain a medical certificate from them confirming                                                                              excursions), for your part of unused personal                                people enforcing these laws;
                                                                       Please supply us with your name, address, policy number
    this.                                                                                                                                 accommodation, transport charges and other travel                        - bankruptcy or liquidation of the company providing
                                                                       and claim number where applicable and enclose copies of
Delayed ski equipment                                                                                                                     expenses which have been paid or where there is a contract                   your transport or accommodation, their agents or
                                                                       relevant correspondence as this will help us to deal with
• Please obtain a Property Irregularity Report (PIR) from                                                                                 to pay that cannot be recovered from anywhere else.                          any person acting for you;
                                                                       your complaint, in the shortest possible time.
    the airline or a carrier’s report from the rail company,                                                                              We will provide this cover in the following necessary and                - anything the company providing your transport or
                                                                       If you are not satisfied with our final response you can refer     unavoidable circumstances:
    shipping line or their handling agent. This should be done                                                                                                                                                         accommodation, their agents, any person acting for
                                                                       the matter to the Financial Ombudsman Service.
    within 7 days of the delay / loss / damage. You have 21                                                                               Cancellation                                                                 you or your conference organiser is responsible for;
    days to write to the airline confirming details of essential                                                                          If you cancel your journey before it begins because one of               - your vehicle being stolen or breaking down;
    replacement items purchased.                                                                                                          the following happens:                                                   - you not wanting to travel or not enjoying your journey;
                                                                                                                                          • The death, serious injury or serious illness of you,                   - riot, civil commotion, strike or lock-out;
Loss, theft or damage to ski equipment
                                                                                                                                               someone you were going to stay with, a travelling                   - you travelling in an aircraft (except as a passenger in
• All appropriate evidence requested under the heading
                                                                                                                                               companion, or a relative or business associate of you or                a fully-licensed, passenger-carrying aircraft);
    ‘Personal possessions and Personal money’ in this
                                                                                                                                               a travelling companion.                                             - your suicide, self-injury or deliberately putting
    section.
                                                                                                                                          • You or a travelling companion is called for jury service in                yourself at risk (unless you were trying to save
Piste closure                                                                                                                                  the UK or as a witness in a court in the UK.                            another person’s life);
• Written confirmation from your tour operator, the local                                                                                 • You or a travelling companion is needed by the police                  - you being under the influence of drugs (except those
    piste authority or ski lift operator confirming the reason                                                                                 following a burglary, or damage caused by serious fire,                 prescribed by a doctor but not for the treatment of
    for the closure and duration.                                                                                                              storm, flood, explosion, subsidence, vandalism, fallen                  drug addiction);
Avalanche closure                                                                                                                              trees, impact by aircraft or vehicle at your home or their          - the direct or indirect effect of you using alcohol or
• Written confirmation from your tour operator or the                                                                                          home or usual place of business in the UK.                              solvents;
    appropriate local authority confirming the location and                                                                               • You or a travelling companion being advised not to travel              - the death of any pet or animal.
    duration of the avalanche.                                                                                                                 by a doctor as a result of pregnancy.
                                                                                                                                                                                                                   Under Cancellation
GOLF COVER                                                                                                                                • Your redundancy.
                                                                                                                                                                                                                   Any extra cancellation charges, because you did not tell
Delayed golf equipment                                                                                                                    • The Foreign and Commonwealth Office have advised
                                                                                                                                                                                                                   the company providing your transport or
• Please obtain a Property Irregularity Report (PIR) from                                                                                      against travel to your journey destination for the dates
                                                                                                                                                                                                                   accommodation, their agents or any person acting for
    the airline or a carrier’s report from the rail company,                                                                                   you are due to travel.
                                                                                                                                                                                                                   you, as soon as you knew you had to cancel.
    shipping line or their handling agent. This should be done                                                                            • Your pet dog, cat or horse requiring emergency life
                                                                                                                                                                                                                   Claims relating to pregnancy or childbirth, where the
    within 7 days of the delay / loss / damage. You have 21                                                                                    saving treatment following an accident or illness, within
                                                                                                                                                                                                                   pregnancy is more than:
    days to write to the airline confirming details of essential                                                                               7 days of departure of your journey.
                                                                                                                                                                                                                   - 24 weeks at the end of a journey outside of Europe; or
    replacement items purchased.                                                                                                          • You as a member of the Armed Forces, the Police,
                                                                                                                                                                                                                   - 28 weeks at the end of a journey within Europe;
                                                                                                                                               ambulance, fire or nursing services being required for
Loss, theft or damage to golf equipment                                                                                                                                                                            (unless this was confirmed after the date your policy or
                                                                                                                                               unexpected emergency duties or being posted overseas
• All appropriate evidence requested under the heading                                                                                                                                                             travel tickets for your journey were bought, whichever is
                                                                                                                                               at the time of your journey.
    ‘Personal possessions and Personal money’ in this                                                                                                                                                              the later).
    section.                                                                                                                              Curtailment                                                              Financial circumstances or unemployment, except caused
Loss of green fees                                                                                                                        You cut your journey short (curtail) after it has begun                  by redundancy which you find out about after the date
• Medical evidence from the treating doctor to confirm the                                                                                because of one of the following:                                         your policy or travel tickets for your journey were
    illness or injury and treatment given including hospital                                                                              • Anything mentioned in Cancellation except redundancy,                  bought (whichever is the later).
    admission / discharge if this applies.                                                                                                   accident or illness of your pet or returning to duty as a
                                                                                                                                                                                                                   Under Curtailment
• If you are advised by a doctor at your resort that you                                                                                     as a member of the Armed Forces, the Police,
                                                                                                                                                                                                                   Cutting short your journey unless we have agreed.
    should not play golf because of medical reasons, you                                                                                     ambulance, fire or nursing services .
                                                                                                                                                                                                                   Claims relating to pregnancy or childbirth, where the
    should obtain a medical certificate from them confirming                                                                              • You are injured or ill and are in hospital for the rest of
                                                                                                                                                                                                                   pregnancy is more than:
    this.                                                                                                                                    your journey.
                                                                                                                                                                                                                   - 24 weeks at the end of a journey outside of Europe; or
WEDDING COVER                                                                                                                                                                                                      - 28 weeks at the end of a journey within Europe.
                                                                                                                                           Note                                                                    Any costs when you do not get a medical certificate
Loss, theft or damage to wedding rings, wedding gifts and
                                                                                                                                           We will calculate curtailment claims from the date it is                (from the doctor who treated you in the place where you
wedding attire
                                                                                                                                           necessary for you to return to the UK or the date you are               were staying) which says it was necessary for you to
• All appropriate evidence requested under the heading
                                                                                                                                           hospitalised as an in-patient, for the rest of your journey.            come home because of death, injury or illness. Our
   ‘Personal possessions and Personal money’ in this
                                                                                                                                           We will pay unused personal accommodation and other                     medical advisers must have agreed with the reason and
   section.
                                                                                                                                           travel expenses based on each 24-hour period you have                   that you were fit to travel.
Replacement wedding photographs / video                                                                                                                                                                            The cost of your original pre-booked tickets if you have
• Written confirmation from your photographer,                                                                                             lost. If you need to be repatriated, we will not refund the
                                                                                                                                           cost of your unused return travel tickets. We will put the              not used them and we have paid extra transport costs.
   confirming the circumstances.                                                                                                                                                                                   You travelling on a motorcycle, unless the rider holds an
                                                                                                                                           value of these tickets towards the extra transport costs
                                                                                                                                           we have to pay.                                                         appropriate valid licence and all persons insured are
                                                                                                                                                                                                                   wearing crash helmets.
                                                                                                                                                                                                                   Anything caused by you taking part in adventurous
                                                                                                                                                        WHAT YOU ARE NOT COVERED FOR                               activities or winter sports unless shown on your proof of
                                                                                                                                                                                                                   insurance (no cover for category X adventurous
                                                                                                                                                                                                                   activities).
                                                                                                                                           Under Cancellation and Curtailment
                                                                                                                                           An excess of the £50 (Standard cover only).
                                                                                                                                                                                                                         Please refer to Sections General exclusions,
                                                                                                                                           Any condition stated under Health declaration and health
                                                                                                                                                                                                                         Conditions and Making a claim that also apply.
                                                                                                                                           exclusions on page 6.



                                                                   9                                                                                                                                          10
   EMERGENCY MEDICAL AND ASSOCIATED                                                                                                           LOSS OF PASSPORT - SECTION 3
         EXPENSES - SECTION 2                                                                                                                        WHAT YOU ARE COVERED FOR                                             WHAT YOU ARE NOT COVERED FOR
If you are taken into hospital or you think you may have to                      WHAT YOU ARE NOT COVERED FOR                        We will pay the following if your passport is lost, stolen or
come home early or extend your journey because of illness                                                                            destroyed on your journey.                                               An excess of £50 (Standard cover only).
or accident, or if your medical expenses are over £250 we                                                                            Costs for issuing a temporary passport                                   More than the part of the pair or set that is stolen, lost or
                                                                     Under 1 Overseas cover except In-patient benefit and
must be told immediately - see ‘24-hour emergency medical                                                                            Up to £250 total for the cost of extra transport,                        destroyed.
                                                                     Excursions and under 2 UK cover
assistance’ on page 6’ for more information.                                                                                         accommodation and administration costs you have to pay to                Breakage of or damage to:
                                                                     An excess of £50 (Standard cover only), unless your claim
                                                                     is reduced because you used an European Heath                   get a temporary passport to enable you to return to the UK.              sports equipment while it is being used, fragile articles,
               WHAT YOU ARE COVERED FOR                                                                                                                                                                       audio, video, computer, television, fax and phone
                                                                     Insurance Card or any other reciprocal health                   Remaining value of original passport
We will pay you or your personal representatives for the             arrangement (see ‘Reciprocal health arrangements’ on            The equivalent cost (based on the current replacement                    equipment.
following necessary emergency expenses if you die, were              page 6 for more information).                                   costs) of the period remaining on your passport that is lost,            Loss or damage due to the climate, wear and tear, loss in
injured or taken ill during your journey.                            The cost of replacing any medication you were using when        stolen or destroyed.                                                     value, process of cleaning, moths or vermin.
                                                                     you began your journey.                                                                                                                  The cost of replacing or repairing false teeth.
1 Overseas cover                                                                                                                                                                                              A claim for more than one mobile phone per person
Up to £10 million in total for reasonable fees or charges you        Under 1 Overseas cover and 2 UK cover                                         WHAT YOU ARE NOT COVERED FOR
                                                                                                                                                                                                              insured.
incur for:                                                           Any condition stated under Health declaration and health
                                                                                                                                                                                                              Loss or theft of, or damage to the following.
• Treatment                                                          exclusions on page 6.
                                                                                                                                             Please refer to Sections General exclusions,                     - Items for which you are unable to provide a receipt or
    Medical, surgical, medication costs, hospital, nursing           Extra transport and accommodation costs which are of a
                                                                                                                                             Conditions and Making a claim that also apply.                       other proof of purchase
    home or nursing services.                                        higher standard to those already used on your journey,
                                                                                                                                                                                                              - Films, tapes, cassettes, computer games, electronic
• Transport and accommodation                                        unless we agree.
                                                                                                                                                                                                                  games, mini-discs, DVDs,video and audio tapes,
    Up to £2,000 (including up to £25 per day for meals and          Anything caused by:
                                                                                                                                                                                                                  cartridges or discs, unless they were pre-recorded, in
    phone calls )for extra transport and accommodation               -     you travelling in an aircraft (except as a passenger in         DELAYED PERSONAL POSSESSIONS -                                         which case we will pay up to the replacement cost.
                                                                           a fully-licensed, passenger-carrying aircraft);
    costs for you and any one other person who stays or                                                                                               SECTION 4                                               - Goods which deteriorate, bottles or cartons, and any
    travels with you or to you from the UK on medical advice.        -     your suicide, self-injury or deliberately putting
                                                                                                                                                                                                                  damage caused by these items or their contents.
• Funeral expenses                                                         yourself at risk (unless you were trying to save
                                                                                                                                                     WHAT YOU ARE COVERED FOR                                 - Valuables left in a motor vehicle.
    The reasonable cost of transporting your body or ashes to              another person´s life);
                                                                                                                                     Up to £150 in total for essential replacement items, if your             - Valuables carried in suitcases, trunks or similar
    your home or we will pay up to £2,500 for your funeral           -     you being under the influence of drugs (except those
                                                                                                                                     personal possessions (this does not include valuables, ski                   containers unless they are on your person all the
    expenses, in the place where you die outside the UK.                   prescribed by a doctor but not for the treatment of
                                                                                                                                     equipment, golf equipment or wedding attire) are                             time.
• Search and rescue                                                        drug addiction);
                                                                                                                                     temporarily lost or stolen on your outward journey for more              - Valuables unless they are on your person or locked in
    Mountain search and rescue services when deemed                  -     the direct or indirect effect of you using alcohol or
                                                                                                                                     than 12 hours from when you arrived at your destination.                     a safe or safety deposit box (if one is available) or
    medically necessary.                                                   solvents;
                                                                                                                                                                                                                  locked in the accommodation you are using on your
                                                                     -     you travelling on a motorcycle, unless the rider holds
We will also pay:                                                                                                                                                                                                 journey.
                                                                           an appropriate valid licence and all persons insured       Note
• In-patient benefit                                                                                                                                                                                          - Contact or corneal lenses, unless following fire or
                                                                           are wearing crash helmets;                                 You must send us the receipts for anything that you buy.
   Up to £600 (£20 per day) if you are in hospital as an in-                                                                                                                                                      theft.
                                                                     -     you taking part in any adventurous activities or           If the items are permanently lost, we will take any amount
   patient during the journey as well as any fees or charges                                                                                                                                                  - Bonds, share certificates, guarantees or documents
                                                                           winter sports unless shown on your proof of                that you are due to be paid under this section from the
   paid under Treatment.                                                                                                                                                                                          of any kind.
                                                                           insurance (no cover for category X adventurous             final claim settlement under Personal possessions -
• Dental                                                                                                                                                                                                      - Personal possessions unless they are on your person,
                                                                           activities).                                               section 5.
   Up to £350 for emergency dental treatment to relieve                                                                                                                                                           locked in the accommodation you are using on your
                                                                     Claims relating to pregnancy or childbirth, where the
   sudden pain.                                                                                                                                                                                                   journey or they are out of sight in the locked boot or
                                                                     pregnancy is more than:
• Excursions                                                                                                                                       WHAT YOU ARE NOT COVERED FOR                                   covered luggage area of a locked motor vehicle (no
                                                                     - 24 weeks at the end of a journey outside of Europe;
   Up to £150 in total for your excursions that have been                                                                                                                                                         cover for valuables).
                                                                          or
   paid for before your journey began and that cannot be                                                                                                                                                      - Passport (see section 3)
                                                                     - 28 weeks at the end of a journey within Europe.
   recovered from anywhere else, if you get written advice                                                                                   Please refer to Sections General exclusions,                     - Personal money (see section 6).
                                                                     Any costs incurred 12 months after the date of your
   from a doctor that you cannot go on them, because of an           death, injury or illness.                                               Conditions and Making a claim that also apply.
   injury or illness during your journey.                                                                                                                                                                           Please refer to Sections General exclusions,
                                                                     Any costs for taxi fares and telephone calls (including
                                                                                                                                                                                                                    Conditions and Making a claim that also apply.
2 UK cover                                                           mobile calls) resulting from an incident claimed for under
Up to £1,000 for:                                                    this section                                                         PERSONAL POSSESSIONS - SECTION 5
• Transport and accommodation                                        Under 1 Overseas cover - Treatment
    Reasonable extra transport and accommodation costs               Services or treatments you receive within the UK.                                WHAT YOU ARE COVERED FOR
    for you and any one other person who stays or travels            Services or treatments you receive which the doctor in          Up to £1,500 in total for your personal possessions (this does
    with you or to you from within the UK on medical advice;         attendance and we think can wait until you get back to          not include ski equipment, golf equipment or wedding attire)
    and the reasonable cost of transporting your ashes or            the UK.                                                         damaged, stolen, lost or destroyed on your journey.
    body home.                                                       Medical costs over £250, in-patient treatment or
                                                                     repatriation which we have not authorised.                      The most we will pay for valuables in total whether jointly
 Note                                                                The extra costs of having a single or private room in a         owned or not is £400. There is also a single article, pair or set
 If you are travelling to the Channel Islands from the               hospital or nursing home.                                       limit of £250.
 mainland UK, the cover described under 1 Overseas cover             The cost of all treatment which is not directly related to
 will apply.                                                         the illness or injury that caused the claim.
                                                                                                                                      Note
                                                                     Under 1 Overseas cover - Funeral expenses                        It will be our decision to pay either:
                                                                     Your burial or cremation within the UK.                          • the cost of repairing your items;
                                                                     Under 1 Overseas cover - Dental                                  • to replace your belongings with equivalent items; or
                                                                     Replacing or repairing false teeth or artificial teeth (such     • the cost of replacing your items. An amount for wear,
                                                                     as crowns).                                                          tear and loss of value will be deducted.
                                                                     Dental work involving the use of precious metals.

                                                                           Please refer to Sections General exclusions,
                                                                           Conditions and Making a claim that also apply.




                                                                11                                                                                                                                       12
         PERSONAL MONEY - SECTION 6                                                                                                         DELAYED DEPARTURE - SECTION 9
               WHAT YOU ARE COVERED FOR                                                                                                              WHAT YOU ARE COVERED FOR                              Note
                                                                       -  you being under the influence of drugs (except those
Up to £500 in total for loss or theft of your personal money              prescribed by a doctor but not for the treatment of        Compensation if the flight, international train or sea vessel         Inform us as soon as you or your legal representatives are
(but no more than £250 in cash in total while on you whether              drug addiction);                                           you are booked on is delayed at its departure point from the          aware of a possible prosecution, inquest or fatal injury,
jointly owned or not), which occurs during the period of               - the direct or indirect effect of you using alcohol or       time shown in your travel itinerary (plans) because of:               which might lead to a claim under this section.
insurance.                                                                solvents;                                                  - a serious fire, storm or flood damage to the departure              Please do not negotiate, pay, settle, admit or deny any
             WHAT YOU ARE NOT COVERED FOR                              - you travelling on a motorcycle, unless the rider holds         point;                                                             liability to any third party, without our written consent.
                                                                          an appropriate valid licence and all persons insured       - industrial action;
  An excess of £50 (Standard cover only).                                 are wearing crash helmets;                                 - bad weather;
  Compensation unless you can provide receipts of the                  - you taking part in any adventurous activities or            - mechanical breakdown of the international train or sea
                                                                                                                                                                                                                       WHAT YOU ARE NOT COVERED FOR
  amount you had from the place where you got the                         winter sports unless shown on your proof of                   vessel; or
  currency.                                                               insurance (no cover for category X adventurous             - the grounding of the aircraft due to a mechanical or a
                                                                          activities).                                                  structural defect.                                                 An excess of £50 (Standard cover only).
  Loss or theft of personal money, unless it is on your
                                                                       We will not pay more than one of the benefits resulting       We will pay:                                                          Any liability for bodily injury or loss of or damage to
  person, locked in a safe or safety deposit box (if one is
                                                                       from the same injury.                                                                                                               property that comes under any of the following
  available) or locked in the accommodation you are using                                                                            Delay                                                                 categories.
  on your journey.                                                                                                                   £25 after the first full 8 hrs of delay and £25 after each            - Something which is suffered by anyone employed by
  Loss caused by a reduction in exchange rates or                            Please refer to Sections General exclusions,            extra delay of 8 hours up to £100 in total; or                             you or a relative and is caused by the work they are
  shortage caused by mistakes in exchanging currency.                        Conditions and Making a claim that also apply.
                                                                                                                                     Abandonment                                                                employed to do.
  Loss or theft of travellers´ cheques if the place where
                                                                                                                                     Up to £5,000 in total for your part of the unused costs of the        - Something which is caused by something you
  you got them from provides a replacement service.
                                                                                                                                     journey which have been paid or where there is a contract to               deliberately did or did not do.
  More than the minimum market value of equivalent
                                                                             MISSED DEPARTURE - SECTION 8                            pay that cannot be recovered from anywhere else, if, after            - Something which is caused by your employment or
  travel tickets, if your travel tickets have been paid for
                                                                                                                                     you have been delayed for more than 24 hours, you decide to                employment of a relative.
  using an airline mileage reward scheme.
                                                                                    WHAT YOU ARE COVERED FOR                         abandon the journey before you leave the UK.                          - Something which is caused by you using any firearm
                                                                     We will pay you up to £600 for destinations within Europe or                                                                               or weapon.
        Please refer to Sections General exclusions,
                                                                     up to £1,000 for destinations outside Europe in total for the                 WHAT YOU ARE NOT COVERED FOR                            - Something which is caused by any animal you own,
        Conditions and Making a claim that also apply.
                                                                     cost of extra accommodation and transport which you have                                                                                   look after or control.
                                                                     to pay to get to your journey destination or back home            Under Delay and Abandonment                                         - Something which you agree to take responsibility for
                                                                     because you do not get to the departure point by the time         Anything which is caused by you not checking in at the                   which you would not otherwise have been
                                                                     shown in your travel itinerary (plans) because:                   departure point when you should have done.                               responsible for.
       PERSONAL ACCIDENT - SECTION 7                                 - public transport (including scheduled flights) does not run     Missed connections.                                                 Any contractual liabilities.
                                                                         to its timetable; or                                          Compensation unless you get a letter from the airline,              Any liability for bodily injury suffered by you, a relative
               WHAT YOU ARE COVERED FOR                              - the vehicle you are travelling in has an accident or breaks     railway company or shipping line giving the reason for              or travelling companion.
                                                                         down.                                                         the delay and showing the scheduled departure time and              Compensation or other costs caused by accidents arising
We will pay you or your personal representative one of the                                                                                                                                                 from your ownership or possession of any of the
following amounts for an accident during your journey.                                                                                 the actual departure time of the flight, international
                                                                                  WHAT YOU ARE NOT COVERED FOR                         train or sea vessel.                                                following.
Death                                                                                                                                                                                                      - The use of any land or building except for the
                                                                                                                                       Any delay caused by a riot, civil commotion, strike or
Up to £30,000 for death. (We will not pay more than £1,500 if                                                                                                                                                   accommodation you are using on your journey.
                                                                                                                                       industrial action which began or was announced before
you are aged 15 or under or 74 or over at the time of the              Any claim unless you:                                                                                                               - Motorised or mechanical vehicles and any trailers
                                                                                                                                       your policy or travel tickets for your journey were
accident.)                                                             - get a letter from the public transport provider (if this                                                                               attached to them.
                                                                                                                                       bought (whichever is later).
Permanent loss                                                             applies) confirming that the service did not run on                                                                             - Aircraft, motorised water craft or sailing vessels.
Up to £30,000 for total and permanent loss of sight in one or              time                                                        Under Abandonment
both eyes or total and permanent loss of use of one or both            - get confirmation of the delay from the authority who          An excess of £50 (Standard cover only).                                   Please refer to Sections General exclusions,
hands or feet.                                                             went to the accident or breakdown (if this applies)         More than the minimum market value of equivalent                          Conditions and Making a claim that also apply.
                                                                           affecting the vehicle you were travelling in                travel tickets, if your travel tickets have been paid for
Physical disablement
                                                                       - have allowed time in your travel plans for delays             using an airline mileage reward scheme.
Up to £30,000 for a permanent physical disability as a result
                                                                           which are expected.
of which there is no paid work which you are able to do. (We                                                                                 Please refer to Sections General exclusions,
                                                                       Any delay caused by a riot, civil commotion, strike or
will not pay any compensation if you are aged 15 or under or                                                                                 Conditions and Making a claim that also apply.
                                                                       industrial action which began or was announced before
74 or over at the time of the accident.)
                                                                       your policy or travel tickets for your journey were
                                                                       bought (whichever is later).
 Note                                                                  Failure of public transport caused by a riot, civil
 Death benefit payments will be made to your legal
                                                                                                                                            PERSONAL LIABILITY - SECTION 10
                                                                       commotion, strike or industrial action which began or
 personal representative.                                              was announced before you left home or where you could         If you are hiring a motorised or mechanical vehicle while on
                                                                       have reasonably made other travel arrangements.               your journey you must make sure that you get the
             WHAT YOU ARE NOT COVERED FOR                                                                                            necessary insurance from the hire company. We do not
                                                                            Please refer to Sections General exclusions,             cover this under our policy.
                                                                            Conditions and Making a claim that also apply.
  Any condition stated under Health declaration and health                                                                                           WHAT YOU ARE COVERED FOR
  exclusions on page 6.                                                                                                              We will pay up to £2 million plus any other costs we agree to
  Any claim arising more than one year after the original                                                                            in writing that relate to anything you cause during your
  accident.                                                                                                                          journey for which you are legally liable and results in one of
  Anything caused by:                                                                                                                the following.
  - your sickness, disease or gradually occurring                                                                                    • Bodily injury of any person.
      conditions, physical or mental condition that is                                                                               • Loss of or damage to property which you do not own and
      gradually getting worse unless shown on your proof                                                                                 you or a relative have not hired, loaned or borrowed.
      of insurance;                                                                                                                  • Loss of or damage to the accommodation you are using
  - you travelling in an aircraft (except as a passenger in                                                                              on your journey that does not belong to you or a relative.
      a fully-licensed, passenger-carrying aircraft);
  - your suicide, self-injury or deliberately putting
      yourself at risk (unless you were trying to save
      another person´s life);


                                                                13                                                                                                                                    14
            LEGAL EXPENSES - SECTION 11                                                                                                                    PET CARE - SECTION 14
You can call our 24-hour legal helpline for advice on any                                                                                                   WHAT YOU ARE COVERED FOR                               Loss, theft or damage of ski equipment
travel related legal problem to do with your journey, arising              Legal costs:                                                                                                                            • We will pay up to £400 in total for your ski equipment
under the law of England, Wales, Scotland and Northern                     - for legal action that we have not agreed to;                   We will pay up to £25 per day up to £250 in total, for extra              (including ski equipment you are legally liable for) and ski
Ireland.                                                                   - if you refuse reasonable settlement of your claim.             kennel or cattery costs for your dog or cat, if you are delayed           pass that is damaged, stolen, lost or destroyed on your
                                                                              You should use Alternative Resolution Facilities such         in returning from your journey because of death injury or                 journey.
From within the UK                                                            as mediation in this situation;                               illness or there is a delay to the public transport system that           There is also a single article limit of £250 for your ski
Phone 020 8666 9213 textphone 020 8666 9562                                - if you withdraw from a claim without our agreement.            cannot be avoided.                                                        equipment whether jointly owned or not.
From outside the UK                                                           If this occurs legal costs that we have been paid must
Phone +44 20 8666 9213 textphone +44 20 8666 9562                             be repaid to us and all legal costs will become your                       WHAT YOU ARE NOT COVERED FOR                               Note
                                                                              responsibility;
                                                                                                                                                                                                                    It will be our decision to pay either:
                                                                           - that cannot be recovered by us, you or your
                  WHAT YOU ARE COVERED FOR                                                                                                                                                                          • the cost of repairing your items
                                                                              appointed adviser, when you receive compensation.                     Please refer to Sections General exclusions,                    • to replace your belongings with equivalent items, or
Legal action                                                                  Any repayment will not be more than half of the                       Conditions and Making a claim that also apply.                  • the cost of replacing your items
If you die, are ill, or injured during your journey and you or                compensation you receive;
                                                                                                                                                                                                                    An amount for wear, tear and and loss of value will be
your personal representative take legal action to claim                    - awarded as a personal penalty against you or the                                                                                       deducted.
damages or compensation for negligence against a third                        appointed adviser (for example not complying with
party we will do the following:                                               Court rules and protocols);                                                HOME CARE - SECTION 15
                                                                                                                                                                                                                   Piste closure
                                                                           - for bringing legal action in more than one country for         You can call our 24-hour Homecare helpline 365 days a year
•     Nominate an appointed adviser to act for you. If you and                                                                                                                                                     We will pay up to £25 per day, up to £250 in total for the cost
                                                                              the same event.                                               for assistance if a problem occurs at your home during your
      we cannot agree on an appointed adviser, the matter can                                                                                                                                                      of extra transport or lift passes to let you ski or snow board
      be referred to an Alternative Resolution Facility.                                                                                    journey on:                                                            at another resort or if it is not possible for you to ski or snow
•     For each event giving rise to a claim pay up to £25,000                    Please refer to Sections General exclusions,               From within the UK:                                                    board at your pre-booked ski resort, because the ski-lifts and
      for legal costs for legal action for you (but not more than                Conditions and Making a claim that also apply.             Phone 020 8666 9212      Textphone 020 8666 9562                       ski-schools that you are due to use are closed as a result of
      twice this amount in total for all persons insured on this                                                                                                                                                   adverse weather conditions.
                                                                                                                                            From outside the UK:
      policy).                                                                                                                                                                                                     Avalanche closure
                                                                                                                                            Phone +44 20 8666 9212       Textphone +44 20 8666 9562
                                                                                                                                                                                                                   We will pay up to £20 per day, up to £200 in total for the cost
Legal defence                                                                                                                               Please give us your policy number. Say that you are a insured
                                                                                  HIJACK / MUGGING - SECTION 12                                                                                                    of extra transport and accommodation costs you need to pay
If you are arrested or held by authorities during your journey                                                                              with travel insurance brought to you by Virgin Holidays.
                                                                                                                                                                                                                   to get you to your journey destination or back home because
we will do the following:                                                                WHAT YOU ARE COVERED FOR                                                                                                  of an avalanche in your resort.
• Pay up to £250 for your first consultation with an                                                                                                        WHAT YOU ARE COVERED FOR
                                                                         Hijack
     appointed adviser we have nominiated to act for you. If             We will pay up to £50 per day up to £1,000 in total if you are     We will help to arrange and pay up to £250 in total towards                          WHAT YOU NOT ARE COVERED FOR
     you and we cannot agree on an appointed adviser, the                hijacked during your journey.                                      the costs to make your home secure following a fire, flood or
     matter can be referred to an Alternative Resolution                                                                                    theft at your home, while you are on your journey.
     Facility. The costs for this consultation will need to be           Mugging                                                                                                                                     Under Ski pack
     repaid to us if you are later charged with the offence.             We will pay up to £50 in total If you are hospitalised during                   WHAT YOU ARE NOT COVERED FOR                                Anything mentioned under the heading ‘WHAT YOU ARE
                                                                         your journey because of a mugging involving a violent and                                                                                   NOT COVERED FOR’ within Cancellation or curtailment
                                                                         threatening attack where you receive a bodily injury.
                                                                                                                                                                                                                     charges - section 1.
    Note                                                                                                                                      Costs which we have not authorised.
                                                                                                                                                                                                                     Anything mentioned under the heading ‘WHAT YOU ARE
    • you must conduct your claim in the way requested by                                                                                     Repairs to the central heating system where it has not
                                                                                       WHAT YOU ARE NOT COVERED FOR                                                                                                  NOT COVERED FOR’ within Emergency medical and
       the appointed adviser;                                                                                                                 been regularly serviced according to the manufacturers
                                                                                                                                                                                                                     associated expenses - section 2.
    • you must keep us and the appointed adviser fully                                                                                        instructions.
       aware of all facts and correspondence including any                                                                                    Repairs where the fault occurs outside the boundaries of               Under Delayed ski equipment
                                                                                 Please refer to Sections General exclusions,                 your home.                                                             Anything mentioned under the heading ‘WHAT YOU ARE
       claim settlement offers made to you;
                                                                                 Conditions and Making a claim that also apply.               Any claim directly or indirectly relating to:                          NOT COVERED FOR’ within Delayed personal possessions
    • we will not be bound by any promises or undertakings
       which you give to the appointed adviser, or which you                                                                                  - hard water scale deposits;                                           - section 4.
       give to any person about payment of fees or                                                                                            - subsidence, landslip or heave;                                       Under Loss theft or damage to ski equipment
       expenses, without our consent;                                          CATASTROPHE COVER - SECTION 13                                 - damage incurred in gaining necessary access;                         Anything mentioned under the heading ‘WHAT YOU ARE
    • we can withdraw cover after we have agreed to the                                                                                       - damage to the home contents;                                         NOT COVERED FOR’ within Personal possessions - section
                                                                                         WHAT YOU ARE COVERED FOR                             - subsequent claims in the event that the original fault
       claim, if we think a reasonable settlement is unlikely or                                                                                                                                                     5.
       that the cost of the legal action could be more than the                                                                                   has not been properly repaired.                                    Under Piste closure
                                                                         We will pay up to £500 in total for extra accommodation and
       settlement.                                                       transport costs you need to pay to move to other                                                                                            Any compensation for the first full 24 hours at your
                                                                                                                                                    Please refer to Sections General exclusions,                     booked ski resort.
                                                                         accommodation of a similar standard to that you originally
                                                                                                                                                    Conditions and Making a claim that also apply.                   Any journey in the UK.
                                                                         booked, if, as a result of fire, flood, earthquake, avalanche or
                                                                         storm during your journey, you cannot use your                                                                                              Any claim unless you have a letter from the ski-lift or
                WHAT YOU ARE NOT COVERED FOR                             accommodation.                                                                                                                              ski-school operators giving the reason for closing the
                                                                                                                                                      WINTER SPORTS - SECTION 16                                     piste and showing the number of days the piste was
                                                                                       WHAT YOU ARE NOT COVERED FOR                                                                                                  closed during your journey.
    Any claim:                                                                                                                                          This section is only in force if shown                       Compensation which you can get from your tour
    - not reported to us within 90 days after the event                                                                                                      on your proof of insurance                              operator or anywhere else.
       giving rise to the claim;                                           Compensation which you can get from the company                                                                                           Costs if the ski-lifts or ski-schools in your pre-booked
    - where we think a reasonable settlement is unlikely or                providing accommodation, your tour operator or                                   WHAT YOU ARE COVERED FOR
                                                                                                                                                                                                                     resort were closed when your policy or travel tickets for
       where the cost of the legal action could be more than               anywhere else.                                                                                                                            your journey were issued, if this is less than 14 days
       the settlement;                                                                                                                      Ski pack
                                                                           Any expense which you would normally have expected to                                                                                     before the beginning of your journey.
    - involving legal action between members of the same                                                                                    We will pay up to £225 in total for your ski pack costs that
                                                                           pay during your journey.                                                                                                                  Any journey that takes place outside a recognised ski
       household, a relative, a travelling companion, or one                                                                                have been paid for and that cannot be recovered from
                                                                                                                                            anywhere else, if:                                                       resort or the official resort opening dates.
       of your employees;                                                        Please refer to Sections General exclusions,
                                                                                                                                            • you have to cancel or curtail your journey.
    - where another insurer or service provider has                              Conditions and Making a claim that also apply.                                                                                            Please refer to Sections General exclusions,
                                                                                                                                            • you cannot ski because of an injury or illness during your
       refused your claim or where there is a shortfall in the                                                                                                                                                             Conditions and Making a claim that also apply.
                                                                                                                                                journey.
       cover they provide;
    - against a travel agent, tour operator or carrier, us,                                                                                 Delayed ski equipment
       the insurer, another person insured by this policy or                                                                                • We will pay up to £10 per day up to £90 in total for the
       our agent.                                                                                                                               hire of alternative ski equipment if yours is temporarily
                                                                                                                                                lost or stolen on your outward journey for more than 12
                                                                                                                                                hours from when you arrived at your destination.

                                                                    15                                                                                                                                        16
             GOLF COVER - SECTION 17                                            WEDDING COVER - SECTION 18
             This section is only in force if shown                                This section is only in force if shown
                  on your proof of insurance                                            on your proof of insurance

                WHAT YOU ARE COVERED FOR                                              WHAT YOU ARE COVERED FOR

Loss of green fees                                                    Loss, theft or damage of wedding rings or attire
We will pay up to £40 per day up to £200 in total for your            We will pay you
green fees that have been paid and that cannot be recovered           • Up to £500 (per couple) in total for your wedding ring
from anywhere else, if:                                                  that is damaged, stolen, lost or destroyed on your
• You have to cancel or curtail your journey.                            journey.
• You get written advice from a doctor that you cannot                • Up to £1,000 (per couple) in total for wedding attire if it is
   play golf because of an injury or illness during your                 damaged, stolen, lost or destroyed on your journey.
   journey.                                                           Wedding photographs / videos
Delay of golf equipment                                               We will pay up to £750 in total for reasonable fees or charges
If your golf equipment is temporarily lost or stolen on your          you are unable to get back from anywhere else to reprint the
outward journey for more than 12 hours from when you                  photographs or replace the video recording of the wedding
arrived at your destination, we will pay:                             day, if:
• up to £450 in total to replace golf equipment. We will              • The booked professional photographer is unable to take
     take any amount we pay from the final claim settlement              the photographs or video recording following their death,
     if the items are permanently lost; or                               injury or illness or they are caught in an unforeseen
• up to £75 for each full day up to £450 in total for the hire           transport delay that could not be avoided.
     of alternative golf equipment.                                   • The professional photographs or video recording of the
                                                                         wedding day are damaged, lost or destroyed on your
Loss, theft or damage of golf equipment
                                                                         journey and within 14 days of the wedding day.
We will pay up to £1,500 in total for your golf equipment that
is damaged, stolen, lost or destroyed on your journey.
                                                                                    WHAT YOU ARE NOT COVERED FOR
There is also a single article limit of £250 for your golf
equipment whether jointly owned or not.                                 Under Loss, theft or damage of wedding rings or attire
                                                                        An excess of £50 (standard cover only).
Hole in one                                                             Anything mentioned under the heading ‘WHAT YOU ARE
We will pay up to £75 in total if you complete a hole in one            NOT COVERED FOR’ within Personal possessions - section
gross shot (not including handicap) during a round of golf on           5 or Personal money - section 6.
your journey.
                                                                        Under Wedding photographs / videos
                                                                        An excess of £50 (standard cover only).
  Note                                                                  Compensation unless you get a letter from the booked
  Personal liability - Section 10 is extended to allow cover            photographer confirming the event.
  for accidents involving golf buggies while being used on              Compensation which you can get from the booked
  a golf course.                                                        photographer or anywhere else.

                                                                              Please refer to Sections General exclusions,
                                                                              Conditions and Making a claim that also apply.
              WHAT YOU ARE NOT COVERED FOR


  Under Loss of green fees
  Anything mentioned under the heading ‘WHAT YOU ARE
  NOT COVERED FOR’ within Cancellation and curtailment -
  section 1 or Emergency medical and associated expenses
  - section 2.
  Under Delay of golf equipment
  Any claim unless you send us receipts of any items you
  have purchased or hired.
  Under Loss, theft or damage of golf equipment
  Anything mentioned under the heading ‘WHAT YOU ARE
  NOT COVERED FOR’ within Personal possessions - section
  5.
  Under Hole in one
  Any claim where the par for the course is 67 or less.

        Please refer to Sections General exclusions,
        Conditions and Making a claim that also apply.




                                                                 17                                                                      18

				
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