Your Federal Quarterly Tax Payments are due April 15th Get Help Now >>

Advantage Gold Travel Insurance Policy - NatWest by pengxuebo

VIEWS: 9 PAGES: 24

									Advantage Gold



Travel Insurance Policy
Advantage Gold –                                                          DEFAQTO
                                                                          Research was carried out by Defaqto Ltd, a supplier of quality
                                                                          research and analysis in the financial market. Using their
Travel Insurance Policy                                                   ‘product DNA’ scores methodology and by comparing a wide
                                                                          range of product features they have given this NatWest
                                                                          Advantage Gold Worldwide Multi-trip Family Travel Insurance
Policy Number IGCS1312                                                    policy a 2011 5 star rating.
IMPORTANT!
You can only access benefits whilst you are an Advantage
Gold Bank Account holder.
      If you are aged 70 or over you must contact us on 0870
      609 1213 to pay a premium of £50 per account, per year.
      You will need to be medically screened; the screening
      process is a short medical risk assessment questionnaire
      with our travel insurance team. We may ask you to pay an
      additional premium to cover your pre-existing conditions.
      We reserve the right not to extend this policy.
                                                                          Contents
      There is a maximum journey limit of 31 days. If you require         Important Information 3
      additional days you must call us on the number below as             Welcome to NatWest Advantage Gold Travel Insurance 4
      soon as you are aware of your journey requirements.                 Emergency Assistance 4
      Telephone 0870 609 1213, we will send you confirmation              Operation of Cover 5
      of cover in writing.                                                Extension to the Period of the Journey 5
      To obtain a duplicate Travel Insurance policy document,             Medical Statements 5
      contact Membership Services on 0845 300 3695.                       Definitions 6
If you require confirmation of cover, we recommend that you use this
booklet and a bank statement to show that you are entitled to this
insurance. Please note that it is not a legal requirement to have         Part A – Inclusive Cover 10
travel insurance to book a holiday. If you require further confirmation   A Baggage 8
of cover, you should contact 0870 609 1213 at least 10 working            B Personal Accident 9
days before you need it. We may charge you an administration fee          C Cancellation 9
for providing the additional confirmation of cover.                       D Curtailment (cutting a trip short) 10
      This policy is only available to UK or Channel Island               E Medical and Emergency Expenses 11
      residents on journeys leaving and returning to the UK.              F Personal Liability 12
                                                                          G Personal Money 13
It is recommended that you read this booklet before travelling,           H Travel Delay and Abandonment 13
whilst the whole policy is important, you should pay particular           I Missed Connections 14
attention to all definitions, exclusions, conditions and claims           J Failure of Public Transport 14
conditions.                                                               K Loss of Passport/Driving Licence 14
You should carry this booklet with you whenever you are travelling.       L Hospital Benefit 15
If you are diagnosed with a medical condition, please call us on          M Legal Costs 15
0870 609 1213 as we may now be able to cover you. More                    N Additional Assistance Services 16
details are on page 7.                                                    O Mugging 16
Please note that if a member of your immediate family, a travelling       P Extended Kennel, Cattery or Parking Costs 16
companion or close business associate (whether they are travelling        Q Dental Expenses 16
or not) has been a hospital inpatient or has been put on a waiting        R Winter Sports – Journeys up to 31 days 16
list for hospital treatment for a medical condition, in the 12 months
prior to you booking the journey then this policy will not cover          Part B – Optional Business Cover 17
you for the subsequent cancellation of the journey if the claim for
cancellation arises from such medical condition.                          Part C – Optional Golf Cover 18
– After booking but before you travel
                                                                          Part D – Wedding Cover – Optional Benefit 19
If you are diagnosed with a medical condition after you book a
journey but before you travel, this policy will provide you with          Part E – Hazardous Activities –
cover for that journey unless you have been advised by a medical          Optional Benefit 19
practitioner not to travel.
                                                                          General Exclusions 19
– New journeys following diagnosis
                                                                          General Conditions 20
Please call us on 0870 609 1213 to tell us about your new
                                                                          Your Information 20
condition before you book any new journeys. More details are on
page 7.




                                                                                                                                       3
Welcome to NatWest                                                   Details about our regulator
                                                                     UK Insurance Limited (UKI) is authorised and regulated by the
                                                                     Financial Services Authority (FSA). The FSA website which includes
Advantage Gold Travel                                                a register of all regulated firms can be visited at www.fsa.gov.uk,
                                                                     or the FSA can be contacted on 0300 500 5000.
                                                                     Under the Financial Services and Markets Act 2000, should the
Insurance                                                            company be unable to meet all its liabilities to policyholders,
                                                                     compensation may be available. Insurance advising and
Insurer                                                              arranging is covered for 90% of the claim without any upper
NatWest Advantage Gold Travel Insurance is underwritten by           limit. Information can be obtained on request, or by visiting
UK Insurance Limited (UKI), who are authorised and regulated         the Financial Services Compensation Scheme website at
by the Financial Services Authority. Registered Office: The Wharf,   www.fscs.org.uk
Neville Street, Leeds LS1 4AZ. Registered No. 1179980.
UKI is a Royal Bank of Scotland Group Company.                       UKI is on the FSA Register and UKI’s FSA Registration number
                                                                     is 202810.
How to make a claim
To notify us of a claim in the first instance please telephone       Statement of demands and needs
0870 609 1202 8am–6pm Monday–Friday. To help us                      We have not provided you with a personal recommendation
validate your policy please have your Advantage Gold                 as to whether this policy is suitable for your specific needs.
membership number available when you call.                           This product meets the demands and needs of those who wish
                                                                     to insure their travel arrangements.
To arrange Travel Insurance
For optional ‘Top-up’ insurance cover for:                           Ownership
a) All Insured persons aged 70 or more                               The Royal Bank of Scotland Group plc is a parent company of
b) Guests                                                            various insurance companies in The Royal Bank of Scotland
c) Cover packages for wedding, golf, business or hazardous           Group who directly wholly owns and controls National
      activities.                                                    Westminster Bank Plc.
Please contact the NatWest Advantage Gold Travel Insurance
helpline on 0870 609 1213 8am–8pm Monday–Friday and                  Customers with disabilities
9am–5pm Saturday.                                                    This brochure is also available in Braille, large print and on
NOTE: As the policy automatically covers all Account holders,        audio cassette. Please contact your local branch for details
their partner and their dependent children, if you do call us to     and to obtain a copy of “The Disability Discrimination Act –
add on any upgrades, we will not issue documents containing          How we make our services accessible to everyone’ leaflet.
the names of these people automatically, unless a medical            Emergency Assistance
condition is disclosed to us, then under the Disability
                                                                     The 24-hour Worldwide Emergency Service
Discrimination Act we will write to the person with that
                                                                     Our assistance services, which are based in the UK, provide
condition.
                                                                     a 24-hour emergency travel service, which includes medical
If you add on guests, we will send you confirmation of cover
                                                                     assistance, and personal travel referral service for NatWest
with that person’s name shown.
                                                                     Advantage Gold account holders, their partners and
                                                                     dependent children travelling outside the UK.
Your right to cancel
You can cancel this policy at any time, however, this insurance
                                                                     What to do in the event of an emergency
is included as an integral benefit within your NatWest
                                                                     Contact our assistance services as quickly as possible in the
Advantage Gold bank account. You do not, therefore, pay a
                                                                     event of illness or accident (where costs are likely to be
separate premium and would not receive any refund as a
                                                                     greater than £500) or any other emergency situation, such as
consequence of canceling the policy. Nevertheless, should you
                                                                     the loss of a passport, involving an Insured Person, whilst
wish to cancel the policy, please return all your documents to:
                                                                     abroad by calling:
NatWest Travel Insurance Customer Services, PO Box 106,
                                                                     Telephone 01252 740 443 (from abroad +44 1252 740 443)
37 Broad Street, Bristol BS99 7NQ.
                                                                     Fax 01252 740 111 (from abroad +44 1252 740 111).
                                                                     Please state that you are a NatWest Advantage Gold customer
How to complain
                                                                     and provide details of the problem. An experienced co-ordinator
Should there ever be an occasion where you need to complain,
                                                                     in the UK will deal with your enquiry and will then ensure that
please call us on 0870 609 1213. If your complaint relates to
                                                                     where necessary:
a claim, please call 0870 609 1202.
                                                                     a) Hospitals are contacted and necessary fees guaranteed.
If you prefer to write, then please address your letter as
                                                                     b) Medical advisors are consulted at the outset for their views
follows: Claims related complaints to: NatWest Advantage
                                                                           on the possibility of arranging your return to the UK.
Claims Services, Waverly House, Farnham Business Park,
                                                                     c) Assistance upon arrival in the UK is provided where
Weydon Lane, Farnham, Surrey GU9 8QT.
                                                                           medically necessary.
All other complaints should be addressed to: NatWest Travel
                                                                     Assistance co-ordinators are, in most cases, multilingual and
Insurance Customer Services, PO Box 106, 37 Broad Street,
                                                                     able to converse with doctors and hospitals abroad. You may
Bristol BS99 7NQ.
                                                                     also call our assistance services for information relating to
If we cannot resolve the differences between us, you may refer
                                                                     emergency health matters when travelling abroad.
your complaint to the Financial Ombudsman Service (FOS).
Their address is: South Quay Plaza, 183 Marsh Wall, London
E14 9SR, telephone 0845 080 1800.

4
Medical Advice                                                    will be costs for other elements of medical treatment.
Our assistance services will:                                     UK mainland residents visiting the Channel Islands or Isle of
     Provide names and addresses of suitable doctors,             Man are covered for medical treatment in the event of an
     hospitals, clinics and dentists when consultations or        emergency only.
     minor treatment is required.
     Arrange for a doctor to call and, if necessary,              Schedule of insured persons
     hospitalisation.                                             This policy wording confirms who is eligible for cover under the
     One of our assistance services medical officers will         policy issued to NatWest Advantage Gold by UK Insurance
     continue monitoring the patient’s condition.                 Limited. This insurance allows all Advantage Gold Account
     Help obtain special drugs if they are not obtainable         holders and their partners to travel independently of each
     locally and dispatch them to the patient.                    other throughout the year. All dependent children must be
                                                                  travelling with either the account holder or their partner in
Money Advance                                                     order for this insurance to apply. If you have added a ‘guest’
If you are unable to obtain sufficient funds locally, a cash      onto this insurance, they must be travelling with the
advance of up to £500 can be arranged, if needed for a            Advantage Gold Account holder or their partner, they cannot
genuine emergency. A guarantee of repayment to cover the          travel independently and be covered by this insurance.
amount will be required.                                          1. All Advantage Gold Account holders.
                                                                  2. The Advantage Gold Account holder’s partner.
Message Line                                                      3. The Advantage Gold Account holder’s dependent children.
Emergency message relay to pass on up to two messages to          Please refer to the definitions on the next page of this policy.
relatives or close business associates if medical or travel
problems disrupt your travel schedule.                            General Provisions
                                                                  The policy is evidence of the contract between you and us.
Document Care                                                     The policy and any endorsement are to be read as one
Help with the replacement of lost or stolen tickets and travel    document and any word or expression used with a specific
documents and referral to suitable travel offices.                meaning in any of them has the same meaning wherever it
                                                                  appears. The conditions that appear in the policy or in any
Operation of Cover                                                endorsement are part of the contract and must be complied
There is an upper age limit of 69 for all insured persons, you    with. Failure to comply may mean that claims will not be paid.
must contact 0870 609 1213 in order to obtain cover by            From time to time it may be necessary to alter your travel
paying an annual premium of £50 and to be medically               insurance policy, other than when you have requested a
screened when you are 70 or more. We may ask you to pay           change of cover. When this situation arises you will be advised
an additional premium to cover your pre-existing conditions.      accordingly. Any such alteration will only apply to journeys
We reserve the right not to extend this policy.                   booked by you from the time of receipt of that advice or some
                                                                  other future specified date. Please note that upon surrender,
All cover will stop upon closure of your NatWest                  termination or cancellation of your NatWest Advantage Gold
Advantage Gold Account.                                           Account, the benefits under this travel policy will no longer be
                                                                  available to you.
Reciprocal Health Agreements
European Union Countries                                          Sharing of Claims and Underwriting Information
The United Kingdom has reciprocal health agreements with          UK Insurance Limited exchange information with other Insurers
other countries of the European Economic Area (EEA). To           through various databases to help check the information
obtain medical treatment in these countries, you must produce     provided and also to prevent fraudulent claims. In the event of
a European Health Insurance Card (EHIC) formerly known as         a claim, the information you have supplied on your application
the E111 form. In order to obtain the card visit the EHIC web     form, together with the information you supply on a claim
site. The EHIC replaced the E111 form with effect from            form and other information relating to a claim, will be put on
1 January 2006.                                                   record and made available to other Insurers.

The EHIC is valid for five years from the date of issue. The      Law Applicable to the Contract
EHIC gives you access to treatment that becomes medically         Under European law, you and we may choose which law will
necessary during a temporary visit to EEA (European               apply to this contract. English law will apply unless you and
Economic Area) countries or Switzerland. People who are           we agree otherwise.
ordinarily resident in the UK can apply for an EHIC. Each
individual travelling requires a card and is valid in state-run   Extension of the Period of the Journey
hospitals/clinics.                                                If during the period of the journey you are delayed through no
                                                                  fault of your own, and your journey is not completed before
Channel Islands & Isle of Man                                     the expiry of the period of the journey, then the insurance will
The Reciprocal Health Agreement (RHA) between the Channel         be extended without additional premium for as long as it is
Islands and the UK Government ended with effect from 1 April      reasonably necessary for the completion of the journey.
2009. The RHA between Isle of Man and the UK Government
is due to end with effect from 1 October 2010. Channel Island     Medical Statements
or Isle of Man residents visiting the UK mainland are covered     Call us on 0870 609 1213 to talk about your medical
for medical treatment in the event of an emergency only. GP       circumstances.
treatment and A&E cover will still be available to Channel or
Isle of Man Island residents free of charge in the UK but there

                                                                                                                                  5
At the time of opening the account or before you book                 NatWest Advantage Gold Account Holder
a journey                                                             The holder of a NatWest Advantage Gold Account.
At the time of opening the account and before you book a
journey, you can call us at any time to tell us about a medical       Abroad
condition. We will tell you if we can cover that condition for        Outside the UK.
free, if you need to pay us extra premium or if we cannot
cover the condition and we will write to you to confirm what          Anticipated Event
we tell you over the phone.                                           Any event or occurrence which you or your immediate family
                                                                      knew would occur or could have reasonably have expected to
You have to contact us before you book a journey, if you:             occur during your journey and which you or your immediate
1. Are receiving in-patient treatment or are waiting to               family were aware of at the time of booking.
      receive treatment;
2. Have been prescribed medication in the last 12 months,             Bodily Injury
      whether taking it or not;                                       A bodily injury is an injury resulting solely and directly from
3. Have been diagnosed or treated with a heart or cancer              accidental, outward, violent and visible means (including
      related condition in the past 12 months;                        direct exposure to the elements).
4. Have been given a terminal prognosis;
5. Are aware of a reason why you may not be able to go on             Business Equipment
      the journey or continue with it;                                Business equipment is computer equipment, facsimile
6. Are diagnosed with any of the medical conditions below:            machines, photocopiers, typewriters, word processing
          a circulatory condition (problems with blood flow,          equipment, fixed telecommunications equipment, business
          including high blood pressure) or a breathing               books, stationery and office equipment all owned by or the
          condition (including asthma);                               legal responsibility of you.
          any joint and bone condition;
          any gastrointestinal (stomach) condition; or                Business Samples
          diabetes.                                                   Business samples means all business stock owned by or the
When you do contact us we can talk to you about your                  legal responsibility of you.
medical condition(s) and work out whether or not we are able
to cover them for free, for an additional premium or if we            Close Business Associate
cannot cover your medical conditions. Note that if you do not         Any person whose absence from business for one or more
contact us in this way, your cover may not be valid if you            complete days at the same time as your absence prevents the
make a claim.                                                         effective continuation of that business.
If we are unable to cover your condition, then we will not pay
claims that are directly related to the excluded medical condition.   Court
                                                                      Court, tribunal or other suitable authority.
After you book a journey but before you leave
If you are diagnosed with a new condition, this insurance will        Curtailment/Curtail
cover you to:                                                         Cutting short your journey after its commencement to return
a) Cancel the journey if due to your newly diagnosed                  to your home address or business address.
      condition, you are unable to travel;
b) Continue with the journey, as long as you are not                  Dependent Children
      travelling against medical advice.                              All children (including legally adopted, foster and step
                                                                      children) of the account holder who at the start date of the
At any time you have this policy                                      journey are aged under 18 years (or up to 23 if in full time
This policy will not cover you to:                                    education), living at the account holder’s home address and
a) Travel to obtain medical treatment;                                are unmarried or have not entered into a Civil Partnership.
b) Travel against medical advice.                                     We will cover dependent children who do not reside
                                                                      permanently (or for the majority of the time) with the account
After you have called us                                              holder, providing the child(ren) resides permanently with the
Where we either agree to cover or decline to cover medical            other parent for the remainder of the time.
conditions, we will usually apply those terms for a 12 month
period and at the end of this period we will send you a letter        Directly Related
asking you to call in again, so that we can assess the cover          Refers to situations where the account holder or any insured
for your medical condition(s) again.                                  person has previously suffered from the same medical
Our medical risk assessment system is updated frequently and          condition or illness.
we reserve the right to amend our medical risk assessment             We would not consider conditions such as high blood pressure
outcomes, so you may find that one year we might be unable to         or high cholesterol to be “directly related” to a claim for a
cover your medical condition(s) but at a later date we might be       heart attack.
able to or that the additional premium charged may change.
                                                                      Excess
Definitions                                                           An excess is the amount we will deduct from a claim. This
Any word defined below will have the same meaning wherever            amount is payable per insured person claiming, per claim
it appears in the travel insurance policy and any endorsements        registered. Where a single incident gives rise to a claim under
(being statements issued by Us to record any agreed                   two or more sections of cover, only one excess will be payable
alterations to the contract as originally completed.)                 per insured person.

6
Extra Accommodation                                                      Legal Costs
Extra accommodation is defined as any hotel room, apartment              Legal costs reasonably and proportionately incurred by your
or villa. It doesn’t include items such as food, drink, telephone        solicitor on the standard basis or in accordance with The
calls (except to our Assistance Service), newspapers, and taxis.         Predictable Costs Scheme if applicable.We will also pay costs
                                                                         which you are ordered to pay by a court and any other costs
Golf Equipment                                                           we agree to in writing.
A complete set of golf clubs normally carried in a golf bag,
regardless of whether purchased as a set or individually.                Loss of Limb
                                                                         A loss of limb is where it is permanently severed either at or
Guest                                                                    above the wrist or ankle or total loss of a complete foot, leg,
Any individual whilst travelling with an account holder during           hand or arm.
the period of the journey who lives in the UK and for whom
the appropriate additional premium has been paid.                        Loss of Sight
                                                                         Loss of sight is if the degree of sight remaining in one eye,
Hazardous Activity                                                       after correction is 3/60 or less on the Snellen Scale (this
Flying, except while travelling in a fixed wing aircraft or helicopter   means seeing at three feet what you should see at 60 feet),
as a passenger, not as a pilot or aircrew, nor for the purpose of        or in both eyes if your name is added to the Register of Blind
undertaking any trade or technical operation in or on the aircraft.      Persons on the authority of a fully qualified ophthalmic specialist.
Hang-gliding, ballooning, paragliding, parachuting, parascending
or other aerial activities. Motorcycling on machines exceeding           Manual Work
125cc unless you hold a full motorcycle licence and have done            Any work, which involves: Using, installing or maintaining
so for at least three years and are accident and conviction-free.        equipment or machinery; Building or construction work; Caring
In all cases, whether using a motorcycle as a rider or a                 for children in any capacity.
passenger, a helmet must be worn. Mountaineering or cliff or
rock climbing necessitating the use of ropes or guides or trekking       Material Fact
on mountains higher than 5,450 metres. Potholing. Canyoning.             Anything that might alter, change or influence the continuation
Engaging in or practising for speed or time trials, sprints or racing    of this insurance cover on the same terms, such as pre-existing
of any kind. Manual work of any kind. White water rafting,               medical conditions, criminal convictions and possible
canoeing or sailing outside territorial waters, unless undertaken        participation in hazardous activities, etc.
under suitably qualified supervision as a pre-paid element of the
journey. SCUBA diving unless you are a qualified diver and you           Medical Advisor(s)
are accompanied at all times with another qualified diver or if          A senior medical officer appointed by the assistance service.
you do not hold a SCUBA diving certificate, you are accompanied
at all times by a qualified diving instructor and in any instance        Medical Practitioner
SCUBA diving beyond a depth of 30 metres is excluded.                    A person other than you, a member of your family or anyone
Professional sports. Bungee jumping. This list is not exhaustive.        travelling with you, who is qualified and registered as such by
If you are participating in an activity that is not listed please call   a recognised competent authority.
us on 0870 609 1213, to confirm if cover applies, in some cases,
we may charge an additional premium. We reserve the right not            Mugged/Mugging
to extend this policy to cover you.                                      A violent attack on you with a view to theft by person(s) not
                                                                         previously known to you, which occurs abroad.
Home Address
Where you live in the UK.                                                Partner
                                                                         The person that the account holder lives with at the account
Immediate Family                                                         holder’s home address in a relationship, whether married or
Your partner, Fiancé, Fiancée, Parents, Parents-in-law,                  cohabiting, as if husband and wife or civil partners, regardless
Step-parents, Son, Son-in-law, Daughter, Daughter-in-law,                of gender.
Brother, Brother-in-law, Sister, Sister-in-law, Step-children,
Legal Guardian, Grandparents, Grandchildren.                             Personal Accident
                                                                         Accidental, bodily injury caused solely and directly by outward
Insured Couple                                                           violent and visible means.
The two individuals who are insured under this policy who are
due to get married during a journey. If, the betrothed partner is        Personal Money
not insured by this policy, we will extend cover under all sections      Your personal money is defined as being cash, letters of
when the wedding has been booked to take place abroad.                   credit, travel tickets and hotel vouchers, all held for your
                                                                         private purpose and includes the wallet or purse in which
Journey                                                                  these items are carried.
A journey is a trip;
– Abroad of no more than 31 days that starts and ends at                 Personal Possessions
     your home address. It can be for business or pleasure,              Your suitcases or similar items taken or bought on a journey
     but it must not involve manual work.                                and their contents, which are designed to be worn or carried
– in the UK, where you are staying in pre-booked                         (including pushchairs and wheelchairs).
     accommodation for 2 or more nights, that doesn’t
     belong to a member of your family or a friend, which is
     at least 25 miles from your home address.

                                                                                                                                           7
Pre-existing Medical Condition                                       United Kingdom/UK
A pre-existing medical condition is when, at the time of             England, Northern Ireland, Scotland, the Isle of Man, the
booking the journey or opening the Bank account, you are             Channel Islands and Wales.
unable to comply with the Medical Statements on page 7 of
this policy.                                                         Valuables
                                                                     Photographic, audio, computer, video and electrical
Public Transport                                                     equipment of any kind (including CDs, Mini Discs, DVDs, TVs,
The following scheduled services: train, coach, bus, taxi,           electronic games, MP3 players, iPods, personal digital
aircraft or sea vessel.                                              assistants (PDAs), video and audio tapes), telescopes,
                                                                     binoculars, sunglasses, glasses, spectacles, mobile phones,
Redundant/Redundancy                                                 musical instruments, jewellery, watches, furs, leather goods,
Any person being made involuntarily unemployed, who is 65            animal skins and items made of or containing gold, silver,
years or less and under the normal retirement age for someone        precious metals or precious or semi-precious stones.
holding that person’s position, and who has been employed
for two continuous years with the same employer at the time          We/our/us
of being made unemployed.                                            UK Insurance Limited and all our agents.

Secure Area                                                          Wedding Attire
The locked boot of a motor vehicle. This includes the locked         Clothing bought especially for the occasion including hair
luggage compartment of a hatchback or estate vehicle fitted          styling and flowers.
with a lid, fixed tray or roller blind that closes off the luggage
area behind the rear seats.                                          Winter Sports Activities
                                                                     You are covered to take part in the following Winter sports
Single Article                                                       activities:
One item, pair or set of articles (this doesn’t include golf         On-piste – skiing, snowboarding, snow cat skiing, ski
equipment).                                                          bobbing, ice-skating, curling, tobogganing, snow-mobiling,
                                                                     ice hockey, mono skiing. Off-piste – skiing and snowboarding
Ski Equipment                                                        with a qualified instructor only. Cross-country skiing on locally
Skis (including bindings), clothing, snowboards, boots and           recognised tracks only.
poles either owned or hired by you.
                                                                     Your/You/Insured Person/Adult
Ski Pack                                                             The account holder, their Partner, dependent children and
Pre-paid lift pass, ski school and equipment hire fees or            guests (where the relevant premium has been paid).
combination of these items.

Solicitor                                                            Part A – Inclusive Cover
Any suitably qualified person appointed to represent you under
                                                                     A – Baggage
section M.
                                                                     What you are covered for
Terrorism/Terrorist Act                                              a) Baggage
A terrorist act is an act or threat of action by a person or group   We will provide cover for up to a maximum of £1,500, per
of people, whether they are acting alone or with other people,       insured person for personal possessions that are lost,
organisations or governments, for political, ethnic, racial,         damaged, stolen or destroyed whilst on your journey.
religious, ideological or similar purposes to influence any
government or to frighten the public or any section of it.           The single article limit is £300.
An ‘act’ or ‘action’ here means:
– violence against a person;                                         The valuables limit is £500.
– damage to property;
– putting a person’s life in danger;                                 b) Emergency replacement Items
– creating a health risk to the public or a section of it; or        If your personal possessions are temporarily lost on the
– interfering with or seriously disrupting electronic systems        outbound journey from the UK and not restored to you:
      or transport services.                                         1. Within 4 hours, we will cover the cost of essential
                                                                           replacement items up to the value of £100.
The Account                                                          2. After 12 hours, we will cover the cost of further essential
NatWest Advantage Gold Account.                                            replacement items up to the further value of £150, giving
                                                                           £250 in total.
The Insurer                                                          3. After 48 hours, we will cover the cost of further essential
UK Insurance Limited (UKI). Registered Office: The Wharf,                  replacement items up to the further value of £400, giving
Neville Street, Leeds LS1 4AZ. Registered No. 1179980.                     a total of £650.
UKI is a Royal Bank of Scotland Group Company.                       The most we will pay under part B of this section is £650,
                                                                     regardless of the number of people claiming.
Total Permanent Disablement
A disability preventing you from doing any work of any kind          Claims conditions
for 52 weeks and at the end of this period there is no               In addition to anything mentioned in the general conditions, in
reasonable hope of improvement.                                      order for your claim to be considered you must:
                                                                     1. Keep your tickets and luggage tags.
8
2.    Report any loss to the carriers or the Police within 24      Claims settlement
      hours of its discovery.                                      1. When we settle a claim under this section of the policy,
3. Take all steps to recover property, which is lost or stolen.        we will at our option either:
4. Obtain a property irregularity report from the carriers              a) pay the cost of replacing the item;
      within three days of the incident or where you have               b) make a cash payment to you;
      reported the loss to the Police authorities in the country        c) pay the cost of repairing the item.
      where the loss occurred within 24 hours of discovery and     2. We will make a deduction for wear and tear for claims for
      obtain a copy of the report.                                     clothing, including sports clothing.
5. Follow the carrier’s conditions of carriage.                    3. We will deduct an excess of £50 under part A of this section.
6. Provide us with proof of ownership for the items you are        4. We will not pay the cost of replacing any other pieces
      claiming for to substantiate your claim.                         that form part of a set.
7. Not abandon any property to us.
If your personal possessions prove to be permanently lost, the     B – Personal Accident
overall limit under part A will apply. You must provide us with
as much information as possible to substantiate your claim         What you are covered for
and where necessary make every attempt to recover your             We will pay one of the items shown below, if during a journey,
personal possessions.                                              you sustain bodily injury which shall solely and independently
                                                                   of any other cause, result within 12 months in your:
What you are not covered for (exclusions)                          Item 1 – Death where you are aged:
In addition to anything mentioned in the general exclusions,       a) Under 18 years £2,000
we will not pay for loss, damage, theft or destruction of:         b) 18 years and over £25,000
a) Valuables left in luggage whilst in transit and outside the     Item 2 – Loss of Limb £25,000
      control of the insured person;                               Item 3 – Loss of Sight £25,000
b) Valuables left in a motor vehicle;                              Item 4 – Total Permanent Disablement £25,000
c) Valuables and Personal possessions which are kept in your
      locked personal accommodation or safety deposit box and      What you are not covered for (exclusions)
      force and violence has not been used to gain entry to your   In addition to anything in the general exclusions, we will not
      locked personal accommodation or safety deposit box;         pay any claim, which arises from or is in connection with:
d) Personal possessions that are left in any motor vehicle         1. Any sickness or disease, naturally occurring or
      (excluding caravans and motor homes) unless they are              degenerative condition.
      kept in the secure area of the motor vehicle and evidence    2. A claim under more than one item of this section.
      that force and violence has been used to gain entry.         3. A pre-existing medical condition.
e) Valuables and Personal possessions:                             4. Your participation in a hazardous activity.
      1. Caused by wear and tear, loss of value, moth, vermin      5. Any complication following a bodily injury which is
          and atmospheric or climatic conditions, gradually             attributable to your death, loss of limb, loss of sight or
          operating causes or by any cleaning, repairing or             total permanent disablement.
          restoring process.                                       6. You claiming for Total Permanent disablement when
      2. Being shipped as freight or under a bill of lading.            you have retired.
      3. Which are made of china, glass or similar fragile         7. An injury which existed prior to commencement of
          materials.                                                    the journey.
      4. By delay, detention, seizure or confiscation by           You must let us know if you are taking part in any activity,
          Customs or other officials.                              which is either the main purpose of your journey, or you know
f) Films, tapes, cassettes, cartridges, or discs that you have     there is a good chance you are going to be taking part.
      used or recorded on other than their value as unused
      material when we will pay the makers latest list price;      Claims settlement
g) Perishable goods, bottles or cartons and their contents or      We will pay the amounts as detailed above to you or your
      any damage caused by these items;                            legal representatives.
h) Property more specifically insured by another policy;           If you die and do not leave a will, we will not issue a
i) Contact or corneal lenses, dentures or hearing aids,            settlement cheque until the executors have been appointed.
      business samples or business equipment;                      C – Cancellation
j) Sports equipment and accessories whilst in use;
                                                                   Cancellation cover applies for a journey before you leave your
k) Ski equipment and golf equipment;
                                                                   home to start the journey.
l) Personal money, bonds, negotiable instruments and
                                                                   Please note!
      securities of any kind;
                                                                   You must let us know of any medical condition as set out
m) Pedal cycles, motor vehicles, caravans, trailers, camping
                                                                   under Medical Statements on page 7.
      equipment or parts or accessories of any of them, or
      household goods, musical instruments, antiques,
                                                                   What you are covered for
      pictures, dinghies, boats and/or ancillary equipment.
                                                                   We will reimburse up to £5,000 per insured person, for journey
n) Anything mentioned in the general exclusions.
                                                                   deposits and costs, which you cannot recover from any other
You must take care to look after your personal possessions, in
                                                                   source and this is due to:
particular your valuables. They should be kept on your person
                                                                   1. Death or serious injury or illness to you, a companion
or secured in baggage, which stays with you at all times. If
                                                                        upon whom your travel depends, a member of your
this is not possible these items should be locked in your
                                                                        immediate family, a close business associate all resident
accommodation or safety deposit box. If you don’t take
                                                                        in the UK or a relative or friend in whose home you are
precautions with your property, we may not pay your claim.
                                                                        intending to stay.
                                                                                                                                 9
2.   You or a travelling companion being required:                     11. Anyone upon whom the journey depends receiving a
     a) For jury service in the UK;                                         terminal prognosis prior to the journey being booked or
     b) As a witness in the UK;                                             the insurance being taken out.
     c) To stay at your home address following a serious               12. A delay of less than 6 hours when travelling for 4 nights
          burglary or attempted burglary, fire, lightning, storm,           or less or 12 hours when travelling for 5 nights or more,
          explosion, impact of aircraft, earthquake, subsidence,            leading to you abandoning the journey.
          falling trees, riot or civil commotion, malicious damage,    13. You failing to notify the travel agent or tour operator as
          burst pipes or flood at your home address or usual place          soon as you become aware of a reason to cancel the
          of business in the UK, which occurs during the journey.           journey.
3.   You being made unemployed or redundant.                           14. A medical condition of a member of your immediate
4.   Your pet dog or cat requiring life saving treatment within             family, a travelling companion or close business associate
     seven days immediately prior to the journey starting.                  (whether they are travelling or not) who has been a
5.   You being required for unexpected emergency duty or                    hospital inpatient in the past 12 months or been put on
     posted overseas as a member of the armed forces, the                   a waiting list for hospital treatment.
     police, ambulance/fire or nursing service during the              15. Any treatment or help where, given your physical or
     intended journey.                                                      mental condition, you should not have travelled or it
6.   The Foreign and Commonwealth Office advising against                   would have been reasonable for you to have consulted
     ‘All Travel’ to your intended destination.                             your medical practitioner, prior to the journey, about
7.   A medical practitioner advising against travel for any reason.         whether or not it was appropriate for you to travel.
8.   Your passport or visa being stolen in a burglary within           16. An anticipated event.
     7 days of your planned departure and you cannot obtain            17. You not having the correct passport or visa, or failing to
     a replacement in time.                                                 get police confirmation that your passport or visa had
                                                                            been stolen in a burglary.
Claims conditions                                                      For specific country advice, you can contact the Foreign and
In addition to anything mentioned in the general conditions,           Commonwealth Office (FCO) on 0845 850 2829 or visit
we will only pay:                                                      www.fco.gov.uk
1. For travel and accommodation expenses, which you have
     pre-paid or contracted to pay, at the time you realise a          Claims settlement
     claim may be made.                                                1. You must:
2. Claims that are a result of an accident or illness, when a               a) Provide us with all documentation reasonably
     medical practitioner confirms in writing that cancellation                 necessary in support of your claim.
     is medically necessary.                                           2. We will deduct an excess of £50, with the exception
3. Claims for injury or illness to your cat or dog when it                  of claims:
     requires life saving treatment within seven days prior to              a) For loss of holiday deposit, where the excess payable
     the start date of your journey.                                            will be £10 per insured person.
4. At the time of booking the journey, you must not be                      b) For children travelling with an insured person, where
     aware of any reason why it may be cancelled.                               no excess will be payable.
A medical practitioner is a person other than you, a member            By saying reasonably necessary, we mean documents such as:
of your family or anyone travelling with you, who is qualified              a) A medical certificate in the event of a medical
and registered as such by a recognised competent authority.                     condition preventing you from travelling.
                                                                            b) A booking confirmation/invoice from the company
What you are not covered for (exclusions)                                       you booked the journey.
In addition to anything mentioned in the general exclusions,                c) Confirmation of other insurance, which may cover
we will not pay for claims, which are a result of:                              the loss.
1. Government regulations, excluding where the UK FCO
     advise against ‘All Travel’ to your intended final destination.   D – Curtailment of a Journey
2. Any criminal proceedings.                                           Please note!
3. Your financial circumstances.                                       You must let us know of any medical condition as set out
4. Strikes or industrial action existing or notified by declaration    under Medical Statements on page 7.
     of intent, at or prior to the date of booking your journey.
5. Your unemployment due to lack of work if you are                    What you are covered for
     self-employed, your promotion or any other occupational           Part One: Curtailment due to early return
     posting other than staff transfer which is absolutely             We will reimburse up to £5,000 per insured person, for unused
     necessary and which must be confirmed in writing by               travel and accommodation expenses, which you cannot
     your employer.                                                    recover from any other source following curtailment of a
6. Your disinclination to travel or continue your journey.             journey, due to:
7. Failure of the tour operator or any provider of transport           1. Death or serious injury or illness to you, a companion
     or accommodation to fulfill the journey booking.                       upon whom your travel depends, a member of your
8. Adverse weather conditions.                                              immediate family, a close business associate (all resident
9. A pre-existing medical condition unless declared and                     in the UK) or a relative or friend in whose home you are
     accepted by us.                                                        intending to stay.
10. The transport operator or their agents refusing to                 2. You or a travelling companion being required:
     transport you or an immediate relative of yours, or a                  a) For jury service in the UK;
     travelling companion, because they consider that you or                b) As a witness in a court of law in the UK;
     they are not fit to travel.                                            c) To return home following a serious burglary or
                                                                                attempted burglary, fire, lightning, storm, explosion,
10
        impact of aircraft, earthquake, subsidence, falling        Claims conditions
        trees, riot or civil commotion, malicious damage, burst    In addition to anything mentioned in the general conditions,
        pipes or flood at your home address or usual place of      we will only pay:
        business in the UK, which occurs during the journey.       1. For travel and accommodation expenses, which you have
     We will also provide cover for additional travel expenses          pre-paid or contracted to pay, at the time you realise
     needed to return you to the UK, which have been                    a claim may be made.
     authorised by the assistance service.                         2. Claims that are a result of an accident or illness, when
                                                                        a medical practitioner confirms in writing that curtailment
Part Two: Catastrophe cover                                             is medically necessary.
If, during your journey, you can no longer stay at your            3. Refunds for curtailment, which have been calculated,
pre-booked and prepaid accommodation because of:                        based on the number of complete days lost by you
– fire;                                                                 returning early to the UK.
– storm;                                                           A medical practitioner is a person other than you, a member
– lightning;                                                       of your family or anyone travelling with you, who is qualified
– avalanche;                                                       and registered as such by a recognised competent authority.
– explosion;
– hurricane;                                                       What you are not covered for (exclusions)
– earthquake;                                                      In addition to anything mentioned in the general exclusions,
– flood; or                                                        we will not pay for claims, which are a result of:
– tidal wave;                                                      1. Government regulations, excluding where the UK FCO
– medical epidemic;                                                     advise against ‘All Travel’ to your intended final destination.
– pandemic                                                         2. Any criminal proceedings.
we will pay the necessary extra travel and accommodation           3. Your financial circumstances.
expenses to allow you to continue with your journey, or return     4. Strikes or industrial action existing or notified by declaration
to the UK if you cannot continue with your journey, up to a             of intent, at or prior to the date of booking your journey.
maximum of £500 per person.                                        5. Your disinclination to travel or continue your journey.
                                                                   6. Failure of the tour operator or any provider of transport
Exclusions                                                              or accommodation to fulfill the journey booking.
In addition to the General Conditions, we will not pay for any     7. Adverse weather conditions (unless stated as covered
claim directly or indirectly resulting from:                            under Part Three and Part Four of this section).
a) You changing your mind to travel or continue with your          8. A pre-existing medical condition unless declared and
     journey when the local or national authorities confirm             accepted by us.
     that it is safe to stay: or                                   9. Anyone upon whom the journey depends receiving a
b) Expenses you can recover from elsewhere.                             terminal prognosis prior to the journey being booked or
                                                                        the insurance being taken out.
Conditions                                                         10. A medical condition of a member of your immediate
You must send us:                                                       family, travelling companion or close business associate
a) The original booking invoices and travel documents                   (whether they are travelling or not) who has been a
    showing the dates and times of travel; and                          hospital inpatient in the past 12 months or been put on a
b) Written confirmation of the disaster from the local or               waiting list for hospital treatment.
    national authority of the area where it happened.              For specific country advice, you can contact the Foreign and
                                                                   Commonwealth Office (FCO) on 0845 850 2829 or visit
Part Three: Home Care                                              www.fco.gov.uk
We will pay for emergency and necessary repairs up to £250
to secure your home, while you are on a journey, following         Claims settlement
fire, flood or theft.                                              1. You must:
You must supply written confirmation from the contractor that           a) Provide us with all documentation reasonably
the work was urgently required, as well as a breakdown of the               necessary in support of your claim.
costs incurred and any receipts for expenses you pay.              2. We will deduct an excess of £50, with the exception
                                                                        of claims:
Part Four: Recuperative Holiday                                         a) For children travelling with an insured person, where
If you make a claim under Section E – Emergency Medical                     no excess will be payable.
Expenses Abroad and we subsequently pay for you to curtail         By saying reasonably necessary, we mean documents such as:
that journey following your hospitalisation abroad of at least 5        a) A medical certificate in the event of a medical condition
full days, we will pay for you to take a recuperative holiday               necessitating your early return or stay in hospital.
within 3 months of the original incident, whether in the UK or
abroad, subject to a maximum of £1,000 for accommodation           E – Medical and Emergency Expenses
and travel expenses only. Any associated costs such as travel      Please Note!
insurance, food or clothing are not covered by this section.       You must let us know of any medical condition as set out
You should contact the assistance service as soon as you           under Medical Statements on page 7.
become aware of any reason why the journey may need to
be cut short, if you don’t, we may be unable to pay your           What you are covered for
claim. Please refer to the Medical and Emergency Expenses          Part One: Emergency Medical Expenses Abroad
Section E for advice on relatives staying with you or travelling   We will pay up to £10,000,000 per insured person towards
to you if medically necessary.                                     emergency medical, surgical or hospital treatment (including

                                                                                                                                   11
emergency dental treatment only for the relief of immediate                the opinion of our medical advisors and could have waited
pain), which is required whilst you are on a journey.                      until your return to the UK.
                                                                      4. Claims for treatment or returning you to the UK that are
We will also provide cover for:                                            not confirmed as being necessary by our medical advisor.
1. Additional travel expenses needed to return you to the             5. Claims, which arise from a pre-existing medical
    UK on the advice of our medical advisor.                               condition, unless declared and accepted by us.
2. Extra accommodation if the length of your journey is               6. Any treatment or aid obtained after you, in the opinion of
    extended due to your stay in hospital.                                 our medical advisors, first became able to return to the UK.
3. Up to £2,500 towards the cost of your funeral or                   7. For any claims due to your participation in hazardous
    cremation in the country in which death occurs.                        activities unless optional extension purchased.
4. The cost of a friend or relative, resident in the UK to be         8. Any claim for non-emergency treatment, tests or surgery
    brought to, remain with or escort you back to the UK on                (including cosmetic surgery and any complications of
    advice of our medical advisor, provided all costs are                  cosmetic surgery that you have travelled for), which is
    agreed with our assistance service.                                    not directly related to the illness or injury, which caused
5. The cost of returning your remains to the UK.                           your admittance into hospital.
                                                                      9. For single or private room accommodation, unless it has
Part Two: Emergency Medication for Pre-existing Medical                    been deemed medically necessary by our medical advisor.
Conditions                                                            10. Treatment or services obtained at a health spa,
If we have confirmed, in writing, cover for a pre-existing                 convalescent or nursing home or any rehabilitation centre.
medical condition, we will pay up to £250 towards any                 11. Any claims which arise from you failing to take medication,
expenses incurred in obtaining any associated medication,                  which you knew was required or to be continued on your
which you take on a journey that is lost or stolen (we will not            journey. (Except for claims under Part Two of this section.)
pay claims where you forgot to take the medication with you).         12. For treatment for dental work involving the use of
                                                                           precious metals.
Part Three: Physiotherapy                                             13. For treatment for dental work which is not to relieve
We will pay up to £350 if, following a bodily injury you make a            immediate pain only.
valid claim under Part One of this section and you require            14. Claims made under Part Three of this section, where the
further physiotherapy treatment on your return to the UK.                  need for physiotherapy or home help is not advised by
This is not a private medical insurance. If you require emergency          the treating doctor abroad or our medical advisor prior to
treatment, you must inform the assistance service immediately              your immediate return home.
otherwise we may be unable to pay your medical expenses.              15. An anticipated event.
If you need more than simple outpatient treatment of the sort         16. Any treatment or help where, given your physical or mental
you can pay for locally, you should call the assistance service            condition, you should not have travelled or it would have
for help and advice.                                                       been reasonable for you to have consulted your medical
                                                                           practitioner, prior to you booking or taking the journey,
Claims conditions                                                          about whether or not it was appropriate for you to travel.
In addition to anything mentioned in the general conditions,          17. For the cost of any phone calls, other than necessary
payment of claims is conditional upon you:                                 calls to our Assistance Service.
1. Accepting our decisions concerning the most suitable,              Please be aware of seemingly large charges for medication or
     practical and reasonable solution to any medical                 treatment – where possible, contact the assistance service
     emergency, including returning to the UK if our medical          before paying for any treatment.
     advisor confirms you are fit to return to the UK.
2. Contacting the assistance service as soon as possible              Claims settlement
     after an incident arises (where costs are likely to be           1. You must provide us with all documentation reasonably
     greater than £500) to obtain authorisation for treatment              necessary in support of your claim.
     or return to the UK.                                             2. We will deduct an excess of £50 from outpatient claims,
3. Not travelling contrary to medical advice or to obtain                  with the exception of claims where using an EHIC or
     treatment.                                                            Medicare has reduced the claim. You must have your
4. Not having received a terminal prognosis prior to the                   EHIC with you on your journey to benefit.
     journey being booked or taking out the insurance.                3. Where possible we will deal with the hospital direct.
5. Not awaiting medical treatment or investigations or tests          By saying reasonably necessary, we mean documents such as:
     prior to booking the journey or before becoming an               a) A medical certificate in the event of a medical condition
     account holder.                                                       necessitating your stay in hospital.
6. Advising us of any change in your health or circumstances          b) Receipts for treatment or medication you pay for.
     before making any new travel arrangements, allowing us
     to confirm in writing that cover is still applicable.            F – Personal Liability
                                                                      What you are covered for
What you are not covered for (exclusions)                             We will pay all sums up to £2,000,000 per policy, which you
In addition to anything mentioned in the general exclusions,          become legally liable to pay for death or bodily injury to any
we will not pay:                                                      person or loss of or damage to their property, which occurs
1. Any expenses incurred 12 months after the original injury.         during the period of the journey. We will also pay any costs
2. Any payment in respect of medical treatment obtained               and expenses awarded against you or incurred by you with
     in the UK.                                                       our written consent.
3. Any costs for treatment (including preventative treatment)         A bodily injury is an injury resulting solely and directly from
     in relation to an illness or injury, which is not essential in   accidental, outward, violent and visible means (including
                                                                      direct exposure to the elements).
12
Claims conditions                                                 3.   At all times, supervise or take reasonable care of your
In addition to anything in the general conditions:                     money to ensure its safety.
1. You must forward any correspondence onto us, which             4. Provide us with proof of ownership for the amount of
     you receive from the third party in connection with any           money you are claiming for to substantiate your claim.
     incident, which could cause a claim under this insurance.    You must provide us with as much information as possible to
                                                                  substantiate your claim, i.e. mini bank statements to show
What you are not covered for (exclusions)                         you had the money and where necessary make every attempt
In addition to anything in the general exclusions, we will not    to recover your personal money.
pay any claim, which arises from:
1. Death or bodily injury to your:                                What you are not covered for (exclusions)
     a) Employees;                                                In addition to anything mentioned in the general exclusions,
     b) Family;                                                   we will not pay for loss, damage, theft or destruction of
     c) Travelling companion/s.                                   personal money:
2. Loss of or damage:                                             a) Left in luggage whilst in transit and outside the control of
     a) To property, which is in the custody or under the              the insured person;
         control of you, your employees, your family or your      b) Outside your control, other than when it is kept in your
         travelling companion/s;                                       locked personal accommodation or safety deposit box as
     b) Ownership or occupation of any land or building                long as force and violence has been used to gain entry to
         (other than occupation only of any temporary holiday          your locked personal accommodation or safety deposit box;
         accommodation).                                          c) Left in any motor vehicle;
3. Trade, employment, business or profession of any of you.       d) If you cannot provide proof that you had the money in
4. Ownership, possession or use of any animal, firearms,               your possession at the time of the loss;
     mechanically propelled vehicles, vessels (other than         e) Due to error, omission or depreciation in value;
     manually propelled water craft) or aircraft of any           f) More specifically insured by another policy.
     description.                                                 You must take care to look after your personal money. It
5. Any deliberate act or omission by any of you.                  should be kept on your person or secured in baggage, which
6. You acting as a leader of a group participating in any         stays with you at all times. If this is not possible it should be
     activity whether hazardous or not.                           locked in your personal accommodation or safety deposit
7. Any agreement unless that liability would have existed         box. If you don’t take precautions with your personal money,
     otherwise.                                                   we may not pay your claim.
8. Fines imposed by a Court of Law or other relevant bodies.
9. Racing mechanically propelled vehicles of any kind.            Claims settlement
10. Liability covered under any other insurance policy.           1. We will deduct an excess of £50.
When hiring motorised vehicles like cars, mopeds or jet skis      An excess is the amount we will deduct from a claim. This
on a journey, you must ensure that you have adequate third        amount is payable per insured person claiming, per claim
party liability insurance as this travel policy will not cover    registered. Where a single incident gives rise to a claim under
damage that you do to anyone else or his or her property          two or more sections of cover, only one excess will be
when you are in charge of the vehicle.                            payable per insured person.

Claims settlement                                                 H – Travel Delay and Travel Abandonment
1. You must provide us with all documentation reasonably          What you are covered for
     necessary in support of your claim.                          A – Delay
By saying reasonably necessary, we mean documents such as:        We will pay you up to £250 for the first four hours delay of the
a) All correspondence received by you from the person             pre-booked flight, sailing, train or coach for additional expenses
     making a claim against you under this section.               such as accommodation, travel, meals and refreshments which
                                                                  arise because the transport you have checked-in for is delayed
G – Personal Money                                                – it doesn’t cover the cost of telephone calls.
What you are covered for
We will provide cover for up to a maximum of £500, per            B – Abandonment
insured person for personal money that is lost or stolen whilst   We will pay you up to £5,000, if after the first:
on your journey. We will also provide cover during the 72 hours   – 6 hours delay on journeys of 4 nights or less, or
immediately before you are due to leave on your journey. The      – 12 hours delay to your outbound flight from the UK on
cash, currency, notes and coins limit is £500 per insured               journeys of 5 nights or more, you decide to abandon the
person. NOTE – If you are aged 16 or under, claims under                journey and return to your home address.
personal money are limited to £100 overall.                       If you would like to claim under ‘abandonment’ please refer to
Your personal money is defined as being cash, letters of          the cancellation section.
credit, travel tickets and hotel vouchers, all held for your
private purpose and includes the wallet or purse in which         Claims conditions
these items are carried.                                          In addition to anything mentioned in the general conditions, in
                                                                  order for your claim to be considered you must:
Claims conditions                                                 1. Provide confirmation of the scheduled departure time as
In addition to anything mentioned in the general conditions, in        detailed on your travel itinerary and the actual departure
order for your claim to be considered you must:                        time from the airline.
1. Report any loss to the Police within 24 hours of its           2. The delay must have been announced after you checked in.
     discovery and obtain a police report from them.              3. Provide receipts confirming any additional costs you pay.
2. Take all steps to recover property, which is lost or stolen.
                                                                                                                                 13
What you are not covered for (exclusions)                          1.   An accident or breakdown involving your own vehicle;
In addition to anything mentioned in the general exclusions,       2.   The scheduled public transport taking you to your
we will not pay for claims, which are a result of:                      departure point not running to timetable.
1. You missing the check-in time as shown in your travel           The definition of public transport is the following scheduled
      itinerary for any reason.                                    service: train, coach, bus, aircraft or sea vessel.
2. A strike or any form of industrial action which had been
      announced or commenced before you purchased the              Claims conditions
      travel tickets, obtained confirmation of booking or before   In addition to anything mentioned in the general conditions,
      you departed from your home.                                 in order for your claim to be considered you must:
If you miss your departure, please see section I – Missed          1. Provide confirmation of your scheduled departure time
Connections and section J Failure of public transport.                  as detailed on your travel itinerary and your actual
                                                                        departure time from the airline/carrier.
Claims settlement
1. You must:                                                       What you are not covered for (exclusions)
     a) Provide us with all documentation reasonably               In addition to anything mentioned in the general exclusions,
        necessary in support of your claim.                        we will not pay for claims, which are a result of:
2. No payment shall be made under more than one item of            1. You missing the check-in time as shown in your travel
    this section.                                                       itinerary for any reason not detailed in the ‘What you
3. We will deduct an excess of £50 for claims under part b).            are covered for’ section.
    By saying reasonably necessary, we mean documents              2. A strike or any form of industrial action which had been
    such as:                                                            announced or commenced before you purchased the
     a) A booking confirmation/invoice from the company                 travel tickets, obtained confirmation of booking or before
        you booked the journey.                                         you departed from your home address.
     b) Confirmation of carrier of the delay.                      3. Missed departure claims due to road traffic congestion
                                                                        or road closures where you have not left reasonable time
I – Missed Connections
                                                                        to reach your departure point on time or are not
What you are covered for                                                travelling by scheduled public transport.
If your first flight is delayed after you have checked in,         4. If you did not use public transport and you missed your
meaning that you miss your connecting flight and an                     departure because of heavy traffic or road closures that
alternative flight is not offered within four hours, we will pay        were not sufficiently severe to warrant reporting on a
up to £250 per insured person for additional accommodation,             recognised motoring association website or on television,
travel expenses, meals and refreshments.                                news bulletins or in the press.
Claims conditions                                                  Claims settlement
In addition to anything mentioned in the general conditions, in    1. You must:
order for your claim to be considered you must:                         a) Provide us with all documentation reasonably
1. Provide confirmation of your scheduled departure times                  necessary in support of your claim.
     as detailed on your travel itinerary and your actual          By saying reasonably necessary, we mean documents such as:
     departure times from the airline.                                  a) A booking confirmation/invoice from the company
                                                                           you booked the journey.
What you are not covered for (exclusions)                               b) Confirmation of your late arrival from the carrier.
In addition to anything mentioned in the general exclusions,
we will not pay for claims, which are a result of:
1. You missing the check-in time as shown in your travel           K Loss of Passport/Driving Licence
     itinerary for any reason, other than the previous flight      What you are covered for
     only being delayed.                                           We will pay up to £750 per insured person if your passport or
2. A strike or any form of industrial action which had been        driving licence is destroyed, lost or stolen abroad for
     announced or commenced before you purchased the               additional accommodation and travel expenses whilst you
     travel tickets, obtained confirmation of booking or before    obtain necessary documentation to re-enter the UK.
     you departed from your home address.
                                                                   Claims conditions
Claims settlement                                                  In addition to anything mentioned in the general conditions, in
1. You must:                                                       order for your claim to be considered you must:
     a) Provide us with all documentation reasonably               1. Report the incident to the Police in the country where the
        necessary in support of your claim.                             loss occurred within 24 hours and obtain a copy of the
By saying reasonably necessary, we mean documents such as:              Police report.
     a) A booking confirmation/invoice from the company
        you booked the journey.                                    What you are not covered for (exclusions)
     b) Confirmation of carrier of the delay.                      In addition to anything mentioned in the general exclusions,
J – Failure of Public Transport                                    we will not pay for claims, which are a result of:
                                                                   1. Any destruction, loss or theft, which occurred prior to the
What you are covered for
                                                                        start date of your journey abroad.
We will pay up to £1,000 per insured person for additional
                                                                   2. Any costs incurred in replacing the passport or driving
accommodation, travel expenses, meals and refreshments, if
                                                                        licence.
you fail to arrive at your departure point in time to board your
booked transport and this is because of:
14
Claims settlement                                                   6.   Legal costs if you stop or settle a claim, or withdraw
1. You must:                                                             instructions from the solicitor, without good reason. If
     a) Provide us with all documentation reasonably                     this applies, you will then have to refund any costs paid
        necessary in support of your claim.                              by us during your claim.
By saying reasonably necessary, we mean documents such as:          7.   Fines, penalties, compensation or damages which you
     a) A copy of the police report.                                     are ordered to pay by a court.
     b) Receipts for any additional accommodation and               8.   Loss or damage that is insured under another section of
        travel expenses.                                                 this policy or any other insurance policy.
L – Hospital Benefit                                                Conditions
What you are covered for                                            If you do not keep to these conditions, we may:
If we provide cover under section E – Medical and Emergency         a) refuse or withdraw from any claim;
Expenses, we will also pay you £50 for every complete 24 hours      b) claim back from you costs paid by us; or
that you spend in hospital, the maximum amount we will pay          c) do all of the above.
per insured person is £400.
The purpose of this section is to provide extra cash to cover       You must do the following:
telephone calls and any other incidental expenses that you              Send us full details of your claim in writing as soon as
cannot claim for from any other source.                                 possible and in any event no later than 180 days after
                                                                        the date you knew about or should have known about
What you are not covered for (exclusions)                               the incident giving rise to the claim.
In addition to anything mentioned in the general exclusions,            Send us any other information that we ask for. (You must
we will not pay any claim:                                              pay any costs involved in providing this information.)
1. Under this section, when we have not provided cover                  If we ask, you must tell the solicitor to give us any
     under section E – Medical and Emergency Expenses.                  documents, information or advice that they have or
2. Which occurs due to your participation in hazardous                  know about.
     activities.                                                        Fully co-operate with the solicitor and us, and not take
                                                                        any action that has not been agreed by your solicitor
M – Legal Costs
                                                                        or by us.
Before you incur any legal costs, you must report your                  Keep us up-to-date with the progress of your claim.
claim to the Legal Helpline.                                            Tell us if the solicitor refuses to continue to act for you or
The 24 hour phone number for practical UK legal advice in               if you withdraw your instructions.
connection with your journey and for reporting a legal costs            Tell us if anyone makes a payment into court or offers to
claim is 0845 246 2071 (+44 845 246 2071 from abroad).                  settle your claim.
                                                                        Tell your solicitor to claim back all costs that you are
We will pay:                                                            entitled to and pay to us all costs that we have paid.
1. Legal costs to help you claim damages or compensation:               Get our agreement to stop, settle, negotiate or withdraw
         For injury, illness or death, which happens during             from a claim.
         your journey.
         Following a dispute about an agreement you have for        Appointing a solicitor:
         your journey.                                                  If we accept your claim we, or a solicitor we choose, will
The most we will pay for all costs will be £50,000 for any              try to settle the matter without having to go to court.
claim or claims arising from any one incident.                          If it is necessary to take your claim to court, or if there is
2. Up to £250 for the first consultation that you arrange               a conflict of interests, you can choose the solicitor to act
     with a local solicitor if you are arrested or held by              for you. Any solicitor you choose will be appointed to act
     authorities during your journey.                                   for you in line with our standard terms of appointment.
Subject to the exceptions and conditions of this section of the         You are responsible for all legal costs they charge but
policy we agree to provide this cover if:                               your policy will cover them as long as you keep to the
         any legal proceedings will be carried out by a court           policy conditions.
         which we agree to; and                                         You must not enter into any agreement relating to charges
         we and your solicitor agree that it is more likely than        with the solicitor without getting our permission first.
         not that you will be successful with your claim for            If a solicitor refuses to continue acting for you with good
         damages.                                                       reason, or if you dismiss them without good reason, your
                                                                        cover will end immediately unless we agree to appoint
What you are not covered for (exclusions)                               another solicitor.
(see also General exclusions)
You are not covered for any claim arising from or relating to:      You must tell your solicitor to do the following:
1. Defending your legal rights in claims against you.                   Get our written permission before instructing a barrister
2. Illness or injury which develops gradually or is not caused by       or an expert witness.
     a specific or sudden accident.                                     Tell us immediately if it is no longer more likely than not
3. Psychological injury or mental illness unless it results from        that you will be successful with your claim.
     a specific or sudden accident that has caused physical
     bodily injury to you.                                          We can do the following:
4. Action against another person who is insured by this policy.         Contact the solicitor at any time, and he or she must
5. Legal costs that relate to a period before we have                   co-operate fully with us at all times.
     accepted your claim in writing.

                                                                                                                                   15
     Decide to settle your claim by paying you the compensation         Mugged/Mugging means a violent attack on you with a view
     you are likely to be awarded by a court instead of starting        to theft by person(s) not previously known to you, which
     or continuing your claim or legal proceedings.                     occurs abroad. This section is in addition to any insured
     Refuse to pay further legal costs if you do not accept an          expenses under section E (Medical and Emergency Expenses)
     offer or payment into court to settle a claim which we or          and also payments under section L (Hospital Benefit).
     your solicitor considers should be accepted.
     Refuse to pay further legal costs if it is no longer more          What you are not covered for (exclusions)
     likely than not that you will be successful with your claim.       In addition to anything mentioned in the general exclusions,
                                                                        we will not pay for claims, which are a result of:
Disputes                                                                1. Any incident where you do not obtain a Police report of
You may refer any disagreement between you and us to the                     the mugging and confirmation of your injuries and period
Financial Ombudsman Service, which is a service offered to                   of in-patient treatment.
you free of charge. (See page 6 for details of our complaints
procedure.)                                                             P – Extended Kennel, Cattery or Parking Costs
You also have the right to refer any disagreement between you           What you are covered for
and us to arbitration (where an independent person, known as            If your dog or cat is in a licensed kennel or cattery or your car
an arbitrator, makes a decision to settle the dispute). The             is in a car park in the UK during your journey and your return is
arbitrator will be a solicitor, barrister or other suitably qualified   delayed due to your sickness, injury or hospitalisation, we will
person that you and we agree on. If we cannot agree, the                pay you up to £500 towards the additional charges you incur.
arbitrator will be chosen by the president of the Law Society (or
other similar organisation) for that part of the territorial limits     What you are not covered for (exclusions)
whose law governs this section of the policy. We and you must           In addition to anything mentioned in the general exclusions,
keep to the arbitrator’s decision. Whoever loses the arbitration        we will not pay for claims where:
will pay for all the costs and expenses of the arbitration.             1. You do not obtain confirmation from our medical advisor
General Conditions 1, 3, 4, 6 and 10 on pages 20 and 21                      that the delay was medically necessary.
do not apply to section M.
                                                                        Q – Dental Expenses
N – Additional Assistance Services                                      What you are covered for
What you are covered for                                                We will pay up to £100 for each insured person towards
1. Pre-travel advice – Worldwide                                        dental treatment in the UK, following an incident abroad
Prior to departure, you may call us for travel information              which gives rise to a claim under section E (Medical and
relating to:                                                            Emergency Expenses) of this policy.
– Customs regulations
– Currency limits and rules                                             Claims conditions
– Banking procedures and opening hours                                  In addition to anything mentioned in the general conditions,
– Health, inoculation requirements, epidemics, AIDS risks               payment of claims is conditional upon you:
      and availability of specified medicines                           1. Providing confirmation from your medical practitioner
– Visa requirements and procedures.                                          that they recommend treatment.
2. Luggage care – Outside the UK. To help search, find and
      deliver lost luggage when the usual channels have failed.         What you are not covered for (exclusions)
      The baggage tag and the property irregularity report              In addition to anything mentioned in the general exclusions,
      must be available in order for us to help.                        we will not pay:
3. Property emergency service – Outside the UK. Access is               1. Unless the total claim amount exceeds £50.
      provided to the domestic line, which is a 24-hour-a-day           2. Any claims, which are not, supported by a certificate
      emergency service where we will arrange for a tradesman                from a medical practitioner in the UK.
      to effect repairs to an insured persons home address,
                                                                        R – Winter Sports – Journeys up to 31 days
      should damage occur, rendering it unsafe, insecure or
      resulting in unreasonable discomfort to the occupants.            What you are covered for
      The insured person will be responsible for all charges            1. Ski pack
      associated with affecting the repair.                             Where you are unable to use your ski-pack on advice from our
4. Port/airport assistance – World-wide. If an insured                  medical advisor, we will provide up to £150 per week for your
      person is delayed en route to the departure port or               unused ski pack, which you originally pre-booked in the UK.
      airport and there is a possibility of missing the flight or       2. Ski equipment
      crossing, we will liaise with the carrier to advise of your       If, during the journey your ski equipment is damaged, lost or
      late arrival and if necessary with your permission, make          stolen, we will pay up to £400 per insured person for
      alternative flight or crossing arrangements. The insured          replacements.
      person will be responsible for all charges associated with        3. Hired skis
      the alternative flight or crossing arrangements.                  If your own ski equipment is damaged, lost or stolen, we will
                                                                        provide up to £200 per insured person to hire replacement
O – Mugging                                                             equipment for the remainder of your journey.
What you are covered for                                                4. Piste closure
If an insured person is mugged while on a journey and suffers           If the skiing facilities in your pre-booked resort are closed in
actual bodily harm as a direct result, we will pay £50 for each         their entirety due to lack of or too much snow, we will pay up
continuous 24 hours spent as an in-patient, up to a maximum             to £10 per day for you to travel to an alternative site. If there
of £500 per insured person.                                             are no alternative sites available, we will compensate you £30
                                                                        for each full day you are unable to ski.
16
5. Avalanche closure                                               Claims settlement
We will pay up to £200, if, following an avalanche, land-slide     We will pay one or a combination of the benefits for as long
or land-slip your arrival or departure from the ski resort is      as such conditions prevail at your resort but in any case not
delayed and you have extra accommodation expenses as a             exceeding the period of the journey. We will deduct an excess
direct result.                                                     of £50 from claims under part 2 Ski equipment.
6. Physiotherapy following a skiing accident
If we pay a claim under section E of this policy, and this claim
is as a direct result of a ski accident, we will pay up to £350    Part B – Business Cover – Optional Benefit
towards physiotherapy which is recommended by a medical            What you are covered for
practitioner on your immediate return to the UK.                   1. Baggage
7. Delayed Ski Equipment                                           We will provide up to £3,000 to cover business equipment and
Up to £100 towards the cost of hiring replacement ski              business samples, which are lost, damaged or stolen during a
equipment necessities, if your own ski equipment is delayed in     journey abroad. The single article limit is £1,000.
reaching you on your outward journey for at least 12 hours         2. Emergency replacement items
and you have a written report from the carrier (i.e. airline,      If your bags are lost for more than 4 hours in transit on your
shipping company etc.) or tour representative. Receipts will be    outbound journey from the UK, we will pay up to £500 for you
necessary in the event of a claim.                                 to buy essential replacement items.
                                                                   3. Hiring replacements
Claims conditions                                                  We will pay up to £500 towards hiring replacement business
In addition to anything mentioned in the general conditions, in    equipment for the duration of the journey abroad if yours is
order for your claim to be considered you must:                    lost, damaged or stolen whilst on a journey and is not
1. Return damaged ski equipment to your home address for           returned to you.
     inspection.                                                   4. Business colleague
2. Obtain a property irregularity report from the carriers         If you are hospitalised for more than 3 days or repatriated due to
     within 3 days of the incident if it occurred in transit.      injury or illness or death, we will pay up to £1,500 towards the
3. Report the loss or theft to the Police authorities in the       cost of a return travel ticket for one colleague to replace you.
     country where the incident occurred within 24 hours of        5. Accommodation and travel expenses
     discovery and obtain a copy of the police report.             We will pay up to £1,500 towards the cost of extra
4. Take all reasonable steps to recover ski equipment that is      accommodation if, due to your bodily injury, illness or adverse
     lost or stolen.                                               weather conditions the journey has to be extended beyond the
5. Keep all baggage tags and travel tickets for submission         final scheduled day.
     to us when making a claim.                                    Business equipment is computer equipment, facsimile
Any amount we pay you under section 7) Delayed ski                 machines, photocopiers, typewriters, word processing
equipment will be refunded to us if your own ski equipment         equipment, fixed telecommunications equipment, business
proves to be permanently lost, as you will be able to claim for    books, stationery and office equipment all owned by or the
your lost ski equipment under section 2) Ski equipment.            legal responsibility of you.
                                                                   Business samples means all business stock owned by or the
What you are not covered for (exclusions)                          legal responsibility of you.
In addition to anything mentioned in the general exclusions,       A single article is defined as one item, pair or set of articles
we will not pay for claims:                                        (this doesn’t include golf equipment).
1. Which have not been confirmed as being medically                Extra accommodation is defined as any hotel room,
     necessary by our medical advisor.                             apartment or villa. It doesn’t include items such as food,
2. For ski equipment, which is more than 5 years old.              drink, telephone calls (except to the Assistance Service),
3. For hired equipment not verified as lost or damaged by          newspapers, and taxis.
     an official receipt from the ski equipment hire shop.
4. Following your deliberate, wilful or malicious damage or        Claims conditions
     carelessness or neglect.                                      In addition to anything mentioned in the general conditions, in
5. Which occur whilst ski equipment is left in a motor vehicle.    order for your claim to be considered you must:
6. Caused by wear and tear, loss of value, moth, vermin,           1. Keep your tickets and luggage tags.
     and atmospheric or climatic conditions, gradually             2. Report any loss to the carriers or the Police within 24 hours
     operating causes or by any cleaning, repairing or                  of its discovery.
     restoring process.                                            3. Take all steps to recover property, which is lost or stolen.
7. For damaged ski equipment, which has not been returned          4. Obtain a property irregularity report from the carriers
     to your home for inspection by us.                                 within 3 days of the incident or where you have reported
Under parts 4 and 5 of this section when:                               the loss to the Police authorities in the country where the
1. Your journey in Europe is between 1 June and 1 December              loss occurred within 24 hours of discovery and obtain a
     each year.                                                         copy of the report.
2. Confirmation of the closure is not obtained from a local        5. Follow the carrier’s conditions of carriage.
     representative.                                               6. Not abandon any property to us.
3. Not all skiing facilities are closed.                           7. Provide us with proof of ownership for the items you are
4. Where the skiing conditions are known or are public                  claiming for to substantiate your claim.
     knowledge at the time of incepting this insurance.            You must provide us with as much information as possible
                                                                   to substantiate your claim and where necessary make every
                                                                   attempt to recover your business equipment or business
                                                                   samples.

                                                                                                                                 17
What you are not covered for (exclusions)                         delayed, meaning you are delayed, we will pay you up to
In addition to anything mentioned in the general exclusions,      £250 towards the non-refundable pre-paid green fees you did
we will not pay for loss, damage, theft or destruction of:        not use as a direct result of the delay.
a) Business equipment and business samples:                       By defining golf equipment we mean a complete set of clubs
1. Which are kept in your locked personal accommodation           normally carried in a golf bag, regardless of whether
     or safety deposit box and force and violence has not         purchased as a set or individually.
     been used to gain entry to your locked personal
     accommodation or safety deposit box.                         Claims conditions
2. That are left in any motor vehicle.                            In addition to anything mentioned in the general conditions, in
3. Caused by wear and tear, loss of value, moth, vermin,          order for your claim to be considered you must:
     and atmospheric or climatic conditions, gradually            1. Keep your tickets and luggage tags.
     operating causes or by any cleaning, repairing or            2. Report any loss to the carriers or the Police within 24
     restoring process.                                                hours of its discovery.
4. Being shipped as freight or under a bill of lading.            3. Take all steps to recover property, which is lost or stolen.
5. Which are made of china, glass or similar fragile materials.   4. Obtain a property irregularity report from the carriers
6. By delay, detention, seizure or confiscation by Customs             within 3 days of the incident or where you have reported
     or other officials.                                               the loss to the Police authorities in the country where the
7. Which are films, tapes, cassettes, cartridges, or discs             loss occurred within 24 hours of discovery and obtain a
     that you have used or recorded on other than their value          copy of the report.
     as unused material when we will pay the makers latest        5. Follow the carrier’s conditions of carriage.
     list price.                                                  6. Not abandon any property to us.
8. Which are perishable goods, bottles or cartons and their       7. Provide us with proof of ownership for the items you are
     contents or any damage caused by these items.                     claiming for to substantiate your claim.
You must take care to look after your business equipment and      8. Provide confirmation from a medical practitioner that you
business samples. If you don’t take precautions with your              are unable to participate due to bodily injury or illness.
property, we may not pay your claim.                              You must provide us with as much information as possible to
                                                                  substantiate your claim and where necessary make every
Claims settlement                                                 attempt to recover your golf equipment if it is stolen.
1. When we settle a claim under this section of the policy,
      we will at our option either:                               What you are not covered for (exclusions)
      a) pay the cost of replacing the item;                      In addition to anything mentioned in the general exclusions,
      b) make a cash payment to you;                              we will not pay for loss, damage, theft or destruction of golf
      c) pay the cost of repairing the item.                      equipment:
2. We will make a deduction for wear, tear and depreciation.      1. Which is kept in your locked personal accommodation
3. We will deduct an excess of £50 for claims under part 1              and force and violence has not been used to gain entry
      of this section.                                                  to your locked personal accommodation.
An excess is the amount we will deduct from a claim. This         2. That is left in any motor vehicle, unless they are kept
amount is payable per insured person claiming, per claim                in the secure area of the motor vehicle and force and
registered. Where a single incident gives rise to a claim under         violence is used to gain entry to the vehicle.
2 or more sections of cover, only one excess will be payable      3. Caused by wear and tear, loss of value, moth, vermin, and
per insured person.                                                     atmospheric or climatic conditions, gradually operating
                                                                        causes or by any cleaning, repairing or restoring process.
                                                                  4. Being shipped as freight or under a bill of lading.
Part C – Golf Cover – Optional Benefit                            5. By delay, detention, seizure or confiscation by Customs
What you are covered for                                                or other officials.
1. Baggage                                                        6. More specifically insured by another policy.
We will pay up to £1,500, in the event that your golf equipment   You must take care to look after your golf equipment. If you
is damaged, lost or stolen whilst on a journey abroad.            don’t take precautions with your property, we may not pay
2. Hiring replacements                                            your claim.
If you are unable to take part in any of your pre-booked          A secure area is defined as being the locked boot of a motor
rounds of golf because your golf equipment is lost in transit     vehicle. This includes the locked luggage compartment of a
abroad and not restored to you within 4 hours, we will pay up     hatchback or estate vehicle fitted with a lid, fixed tray or
to £250 to hire replacements.                                     roller blind, which closes, off the luggage area behind the
3. Cancellation and curtailment                                   rear seats.
We will pay up to the limit shown in either section C and D, if
you have to cancel or curtail a journey abroad because you        Claims settlement
have sustained a bodily injury or illness, which prevents you     1. We will make a deduction for wear and tear.
from playing golf.                                                2. We will deduct an excess of £50 under parts 1 and 3 of
4. Green fees                                                          this section.
We will pay you up to £250 towards the loss of                    3. You must provide confirmation from the carrier of the
non-refundable pre-paid green fees that you are unable to use          number of hours delay.
abroad following your bodily injury.                              An excess is the amount we will deduct from a claim. This
5. Travel delay                                                   amount is payable per insured person claiming, per claim
If the ship, train or aircraft on which you are pre-booked is     registered. Where a single incident gives rise to a claim under
                                                                  2 or more sections of cover, only one excess will be payable
                                                                  per insured person.
18
Part D – Wedding Cover – Optional Benefit                            4.   For any items being shipped as freight or under a bill
If the betrothed partner is not insured by this policy, as per            of lading.
the schedule of insured persons, we will extend cover under          5. For items made of china, glass or similar fragile materials.
all sections when the wedding has been booked to take                6. Caused by delay, detention, seizure or confiscation by
place abroad.                                                             Customs or other officials.
                                                                     7. For films, tapes, cassettes, cartridges, or discs that you
What you are covered for                                                  have used or recorded on other than their value as unused
1. Wedding attire                                                         material when we will pay the makers latest list price
We will provide cover for up to a maximum of £1,500, per                  (excluding claims made under part 4 of this section).
insured couple for replacement wedding attire that is lost,          8. For perishable goods, bottles or cartons and their
damaged, stolen or destroyed whilst on your journey abroad.               contents or any damage caused by these items.
2. Wedding rings                                                     9. For property more specifically insured by another policy.
Your wedding rings are covered for up to £250 in total, per          You must take care to look after your possessions. If you
insured couple should they be lost, stolen or destroyed whilst       don’t take precautions with your property, we may not pay
on a journey abroad.                                                 your claim.
3. Wedding gifts                                                     A secure area is defined as being the locked boot of a motor
The cost of repair, if economical or the cost of replacements,       vehicle. This includes the locked luggage compartment of a
if your wedding gifts which have been taken or bought on a           hatchback or estate vehicle fitted with a lid, fixed tray or roller
journey are lost, stolen or damaged, the maximum we will pay         blind which closes off the luggage area behind the rear seats.
is £1,000.
4. Wedding photographs and video recordings                          Claims settlement
We will provide up to £750 towards reprinting photographs or         1. When we settle a claim under this section of the policy,
retaking video recordings, if:                                            we will at our option either:
a) They are lost, stolen or destroyed whilst on a journey                 a) pay the cost of replacing the item;
      abroad.                                                             b) make a cash payment to you;
b) Your pre-booked professional photographer is unable to                 c) pay the cost of repairing the item.
      fulfill his obligations due to illness, injury or unforeseen   2. We will make a deduction for wear and tear for claims
      transport problems and you have to make alternative                 for clothing.
      arrangements.                                                  3. We will deduct an excess of £50.
Wedding attire means clothing bought especially for the              An excess is the amount we will deduct from a claim. This
occasion including hair styling and flowers.                         amount is payable per insured couple claiming, per claim
Insured couple means the two individuals who are insured             registered. Where a single incident gives rise to a claim under
under this policy who are due to get married during a journey.       2 or more sections of cover, only one excess will be payable
                                                                     per insured couple.
Claims conditions
                                                                     Part E – Hazardous Activities – Optional Benefit
In addition to anything mentioned in the general conditions,
in order for your claim to be considered you must:                   What you are covered for
1. Keep your tickets and luggage tags.                               Where you have pre-booked the following activities before
2. Report any loss to the carriers or the Police within              departing on a journey and paid the appropriate premium to
     24 hours of its discovery.                                      us, this insurance will cover your participation in the following
3. Take all steps to recover property, which is lost or stolen.      activities outside the UK:
4. Obtain a property irregularity report from the carriers within    Abseiling
     3 days of the incident or where you have reported the loss to   Ballooning
     the Police authorities in the country where the loss occurred   Bobsleighing
     within 24 hours of discovery and obtain a copy of the report.   Bungee jumping
5. Follow the carrier’s conditions of carriage.                      Glacier Skiing/Walking
6. Not abandon any property to us.                                   Hang-gliding
7. Provide us with proof of ownership for the items you are          Heli-skiing
     claiming for to substantiate your claim.                        Paragliding
You must provide us with as much information as possible to          Parascending
substantiate your claim and where necessary make every               Parachuting
attempt to recover your possessions.                                 White water rafting
                                                                     Use of Skeletons.
What you are not covered for (exclusions)
In addition to anything mentioned in the general exclusions,         Claims conditions
we will not pay claims:                                              a) Experts holding the relevant qualifications must supervise
1. Where force and violence has not been used to gain                    your participation in these activities.
     entry to your locked personal accommodation or safety
     deposit box.                                                    General Exclusions
2. For any items left in any motor vehicle, unless they are          These general exclusions apply to the whole policy.
     kept in the secure area of the motor vehicle and force          This policy excludes any claim arising from:
     and violence is used to gain entry to the vehicle.              1. Any consequence of war, invasion, act of foreign enemy,
3. Caused by wear and tear, loss of value, moth, vermin,                  hostilities (whether war be declared or not), civil war,
     and atmospheric or climatic conditions, gradually                    rebellion, revolution, insurrection or military or usurped
     operating causes or by any cleaning, repairing or                    power.
     restoring process.
                                                                                                                                    19
      Terrorism/a terrorist act. This section does not apply to       4.  The expense of supplying all certificates, information and
      section B – Personal Accident or to section E – Medical             evidence, which we may require, will be borne by the
      and Emergency Expenses except where nuclear, chemical               insured person or their legal representative. When a claim
      or biological weapons/agents are used.                              for bodily injury or illness occurs, we may request and
2.    Whether directly or indirectly caused by:                           pay for, any insured person to be medically examined on
      a) Ionising radiation or contamination by radioactivity             behalf of us. We may also request and will pay for a post
           from any nuclear fuel or from any nuclear waste from           mortem examination if any insured person dies.
           the combustion of nuclear fuel;                            5. If at the time of any incident which results in any other
      b) The radioactive, toxic, explosive or other hazardous             insurance covering the same costs, loss, damage or
           properties of any explosive nuclear assembly or                liability or any part of such we will pay our share in
           nuclear component of such assembly;                            proportion to the sum insured of the claim except under
      c) Pressure waves caused by aircraft and other aerial               Sections H, I, J and where we will pay the full claim
           devices travelling at sonic or supersonic speeds.              subject to the policy limits.
3.    Death, injury, illness or disablement resulting from suicide,   6. We are entitled to take over and conduct in your name
      attempted suicide, deliberately injuring yourself or wilful         defence or settlement of any legal action. We may also
      exposure to danger (except in an attempt to save human life).       take proceedings at our own expense and for our own
4.    Injury, illness or disablement resulting from a sexually            benefits, but in your name to recover any payment we
      transmitted disease.                                                have made under the policy to anyone else.
5.    Death, injury, illness, or disablement resulting from the       7. In the event of a change of Insurer, the sums insured
      influence of intoxicating liquor or drugs (other than drugs         stated in the schedule of benefits will be the maximum
      taken under medical supervision and not for the treatment           payable to each insured person.
      of drug addiction) or solvent abuse.                            8. From time to time it might be necessary to alter your
6.    Any claim caused by drinking too much alcohol or alcohol            policy. When this situation arises you will be advised
      abuse. We do not expect you to avoid drinking alcohol               accordingly. Any such alteration will only apply to journeys
      on your journeys or holidays, but we will not cover any             booked by you from the time of receipt of that advice.
      medical claims arising because you have drunk so much           9. If any claim is found to be fraudulent in any way, this
      alcohol that your judgement is seriously affected.                  includes exaggerating the amounts of the claim, this
7.    Bankruptcy/liquidation of any tour operator, travel agent           policy will not apply and all claims will be forfeited. It is a
      or transportation company.                                          criminal offence to make fraudulent claims and you could
8.    Claims and losses that are not directly associated with             be prosecuted.
      the incident that caused the claim. For example, loss of        10. We may at any time pay to you our full liability under this
      earnings due to being unable to return to work following            policy after which no further payments will be made in
      injury or illness happening whilst on a journey or the cost         any respect. We do not have to accept any items that
      of replacing locks in the event that keys are lost.                 are recovered or damaged beyond repair.
9.    Your unlawful act.                                              11. It is a condition of this insurance that all material facts
10.   A medical condition of a close relative, travelling companion       which is anything that might alter, change or influence the
      or close business associate (whether they are travelling or         continuation of this insurance cover on the same terms,
      not) who at the time of booking in the last 12 months has           such as pre-existing medical conditions, medical conditions
      been a hospital inpatient or been put on a waiting list for         diagnosed before booking your journey, criminal convictions
      hospital treatment or has been diagnosed with Cancer.               and possible participation in hazardous activities, etc are
11.   Air travel (other than as a fare-paying passenger on a              disclosed to us. Failure to do so may invalidate this
      regular scheduled airline or licensed charter aircraft).            insurance leaving you no right to make a claim. We reserve
12.   Manual work or hazardous activities of any kind.                    the right to not extend the policy.
13.   Travel to areas where, at time of booking the journey or        12. You must let us know of any medical condition as set out
      thereafter but before you travel, the Foreign &                     under Medical Statements on page 7.
      Commonwealth Office has advised against travel to. If you
      are unsure please contact them on 0845 850 2829 or              HAVE A SAFE TRIP
      www.fco.gov.uk/knowbeforeyougo                                  We are working with the Foreign and Commonwealth Office
                                                                      to do all that we can to help British travellers stay safe
General Conditions                                                    overseas. Before you go overseas, check out the FCO web
These general conditions apply to the whole policy except             site at: www.fco.gov.uk/knowbeforeyougo It is packed with
where excluded under section M.                                       essential travel advice and tips, and up-to-date country
1. You must tell us about any claim as soon as reasonably             specific information.
    possible. Any increase in costs caused by your delay in
    telling us will not be covered by this policy. You must also
    inform us if you are aware of any court order to do or stop       p Your Information
    doing something, order to attend court or impending               Who we are
    prosecution. Every communication relating to a claim              NatWest Advantage Gold Travel Insurance is arranged by
    must be sent to us without delay.                                 NatWest and underwritten by UK Insurance Ltd (UKI). You are
2. You must take all reasonable steps to prevent any loss,            giving your information to NatWest and UKI who are members
    damage or accident. If you do not we may not pay your             of The Royal Bank of Scotland Group (The Group). In this
    claim.                                                            Information statement ‘we’ ‘us’ and ‘our’ refers to NatWest
3. You or any person acting for you must not negotiate,               and UKI unless otherwise stated.
    admit or repudiate any claim without our written consent.         For information about our group of companies please visit
                                                                      www.rbs.com and click on ‘About Us’, or for similar enquiries
                                                                      please telephone 0131 556 8555 or Minicom 0845 900 5960.
20
Your electronic information                                         Fraud prevention agencies
If you contact us electronically, we may collect your electronic    We can provide the names and addresses of the agencies we
identifier e.g. Internet Protocol (IP) address or telephone         use if you would like a copy of your information held by them.
number supplied by your service provider.                           Please contact us at the address below. The agencies may
                                                                    charge a fee.
How we use your information and who we share it with
We will use your information to manage your insurance policy,       If you would like a copy of the information we hold about you,
including underwriting and claims handling. This may include        please write to: The Data Protection Officer, Regulatory Risk
disclosing it to other insurers, third party underwriters and       Department, Churchill Court, Westmoreland Road,
reinsurers.                                                         Bromley BR1 1DP quoting your reference. A fee may be payable.
Your information comprises all the details we hold about you
and your transactions and includes information obtained from        If you would like to obtain information held about you by
third parties.                                                      National Westminster Bank Plc, please write to: The Data
We may use and share your information with other members            Protection Officer, 135 Bishopsgate, London EC2M 3UR.
of the Group to help us and them:
– assess financial and insurance risks;
– recover debt;
– prevent and detect crime;
– develop our services, systems and relationships with you;
– understand our customers’ requirements;
– develop and test products and services.
We do not disclose your information to anyone outside the
Group except:
Where we have your permission; or where we are required or
permitted to do so by law; or to credit reference and fraud
prevention agencies and other companies that provide a
service to us or you; or where we may transfer rights and
obligations under this agreement.
We may transfer your information to other countries on the
basis that anyone to whom we pass it provides an adequate
level of protection. However, such information may be
accessed by law enforcement agencies and other authorities to
prevent and detect crime and comply with legal obligations.
From time to time we may change the way we use your
information. Where we believe you may not reasonably expect
such a change we shall write to you. If you do not object to
the change within 60 days, you consent to that change.

Sensitive Information
Some of the personal information we ask you for may be
sensitive personal data, as defined by the Data Protection Act
1998 (such as information about health or criminal convictions).
We will not use such sensitive personal data about you or others
except for the specific purpose for which you provide it and to
provide the services described in your policy documents.
You will have been asked to agree to this when you first
contacted us but please ensure that you only provide us with
sensitive information about other people with their agreement.

Dealing with other people
It is our policy to deal with your spouse or partner who calls us
on your behalf, provided they are named on the policy. If you
would like someone else to deal with your policy on your
behalf on a regular basis please let us know. In some
exceptional cases we may also
deal with other people who call on your behalf, with your
consent. If at any time you would prefer us to deal only with
you, please let us know.

Credit Reference Agencies
To assess your insurance application and the terms on which
cover may be offered, we may obtain information about you
from credit reference agencies to check your credit status and
identity. The agencies will record our enquiries. This will not
affect your credit standing.

                                                                                                                                21
22
23
National Westminster Bank Plc.
Registered Office: 135 Bishopsgate, London EC2M 3UR.
Registered No: 929027, England.                        NWB1078 0211

								
To top