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					You travel, we care

Private travel
Annual Multi-trip and Single trip insurance 2010




                                                   ERGO Insurance Group.
                                                   A member of the
  ETI Travel Insurance

Welcome to International Travel and Healthcare Travel Insurance underwritten by ETI – International
                          ..
Travel Protection the United Kingdom branch of Europaische Reiseversicherung A.G., an Ergo Group
Company incorporated and regulated under the laws of Germany, (ETI) Companies House Registration FC
25660 and Branch Registration BR 007939. Licensed by the Bundesanstalt für
Finanzdienstleistungsaufsicht (BAFIN – www.bafin.de) and approved by the Financial Services Authority
(FSA – www.fsa.gov.uk) to undertake insurance business in the United Kingdom.and arranged and
administered by International Travel and Healthcare Limited.

This insurance is available only to residents of the United Kingdom who purchase their cover before they
travel.

This policy is a legal contract based on the information you supplied when you applied for this insurance.
We rely on that information when we decide what cover to provide and how much you will pay. Therefore
it is essential that all the information given to us is accurate and that you have not withheld any material
facts. You must tell us immediately there are any relevant changes in your circumstances or to the
information already given. Accurate information about pre-existing medical conditions relating to the
health of the people travelling and others upon whose health the travel may depend is particularly
important as the policy contains specific conditions and exclusions. If you are not sure whether something
is important, please tell us anyway as failure to do so may invalidate your insurance.

The policy, together with your schedule, and any endorsements that apply sets out the insurance
protection being provided in return for your premium. It also tells you how to make a claim and how to
contact us.



  Data protection - Information uses

You should understand and give explicit consent that the sensitive health and other information
you provide about yourself and others in your party will be used by International Travel and
                                         ..
Healthcare Limited as Agents for Europaische Reiseversicherung A.G (ETI) its associated companies,
other insurers, regulators, industry bodies and agencies to process your insurance, handle claims
and prevent fraud. This may involve the transfer of such information to other countries (including
those with limited or no data protection laws.) We have, however taken steps to ensure that your
information is held securely.


  Useful telephone numbers

Medical Screening              tel. +44 (0)1689 892 272

ETI Medical Assistance         tel. +44 (0)20 7902 7405

Non Medical Claims             tel. +44 (0)20 7902 7410




                                                                                                               3
     Policy content

    ETI Travel Insurance                                                      Page 3

    Data Protection                                                           Page 3

    Useful telephone numbers                                                  Page 3

    Cover Limits and applicable excesses                                      Page 5

    Important notes - The General Business Code of Practice                   Page 6

    Pre-existing medical conditions                                           Page 7

    Changes in your circumstances after buying this policy                    Page 7

    Words with special meanings                                               Page 8

    Policy Information                                                       Page 10



    General policy exclusion                                                 Page 12

    Claims conditions                                                        Page 13

    Complaints procedure                                                     Page 14



    Section 1 - Emergency Medical and Repatriation Transportation Expenses   Page 15

    Section 2 – Personal Accident                                            Page 17

    Section 3 - Withdrawal of Services                                       Page 18

    Section 4 - Provision of Screened Blood                                  Page 18

    Section 5 - Cancellation                                                 Page 19

    Section 6 - Curtailment                                                  Page 20

    Section 7 - Travel delay and disruption                                  Page 21

    Section 8 - Personal effects                                             Page 22

    Section 9 - Luggage delay                                                Page 24

    Section 10 - Personal liability                                          Page 24

    Section 11 – Hijack, Kidnap and Mugging                                  Page 25

    Section 12 – Catastrophe                                                 Page 26

    Section 13 – Dynamic Packaging Insurance                                 Page 26

    Section 14 – Legal Costs and Expenses                                    Page 27



    Covered leisure activities                                               Page 30

    Excluded hazardous activities and sports                                 Page 32

    Important Information                                                    Page 33




4
     Cover limits and applicable excesses

The main cover limits are listed below. Some sections also have additional inner limits, increased
excesses for older insured persons. For example personal accident benefits vary according to age
of the insured person and the personal effects section has single article and valuables limits.
Each section of the policy will contain variations in limits and excesses – please read carefully.



 Section      Cover                                     Sums insured – per person 1                  Excesses

              Emergency medical and repatriation
              expenses                                  £5,000,000                                   £75 (£200 if over 65)
              -   Hospital confinement abroad           £15 per 24 hours. Maximum £300               Nil
              -   Additional transport and
 1                accommodation expenses in the
                  United Kingdom                        £1,000                                       Nil
              -   Funeral expenses in the United
                  Kingdom                               £1,000
              -   Emergency dental treatment            £200

              Personal accident
              -   Death                                 £10,000 / £1,500 under 18 or over 65
 2                                                                                                   Nil
              -   Loss of limb or sight or
                  permanent total disablement           £10,000 / £2,000 over 65

 3            Withdrawal of services                    £15 for each completed 24 hours up to £300   Nil

 4            Provision of screened blood               Up to £50,000                                Nil
                             2
 5            Cancellation                              Up to £3,000                                 £75 (£200 if over 65)

 6            Curtailment                               Up to £3,000                                 £75 (£200 if over 65)

                                                        £30 for each 12 hours up to £800             Nil
 7            Travel delay and disruption               50% if due to terrorism
                                                        Abandonment after 24 hours, up to £3,000     £75

                                                        Up to £250 per item
                                                        (no cover for spectacles or sunglasses)
                                                        £400 in all for valuables
 8            Personal effects 2                                                                     £75
                                                        £1,500 in total
                                                        £200 cash or, if under 18, £50
                                                        £500 personal money in all

 9            Luggage delay                             After 12 hours, up to £200                   Nil

              Personal liability
 10           -   Property damage                       £100,000                                     £100
              -   Bodily injury                         £1,000,000

 11           Hijack, kidnapping and mugging            Up to £500                                   Nil

 12           Catastrophe                               Up to £500                                   Nil

 13           Dynamic package insurance                 Up to £2,000                                 Nil

 14           Legal costs and expenses                  Up to £25,000                                Nil




1.    Except where specifically varied in the policy or policy schedule
2.    Only if shown as included on the schedule

                                                                                                                             5
                                                            Fraudulent claims
      Important notes                                       The making of a fraudulent claim is a criminal
      The General Business Code of Practice                 offence.

                                                            Medical expenses
    Under The General Business Code of Practice, the
                                                            Please note this section of the policy does not
    insurer wishes to bring to your attention some of
                                                            provide private healthcare unless specifically
    the important features of your travel insurance
                                                            approved by the Assistance Company.
    policy. All the words and phrases in bold have
    special meanings and are defined under Words with
                                                            Health
    Special Meanings (see page 8).
                                                            The policy contains conditions relating to the
                                                            health of the people travelling and others upon
    Policy excesses
                                                            whose well being the trip may depend. Please
    Claims under most sections of the policy will be
                                                            refer to page 7 of the policy for pre-existing
    subject to policy excess. Where there is a policy
                                                            medical conditions and exclusions.
    excess you will be responsible for paying the first
    part of that claim.
                                                            Personal effects claims
                                                            These are settled on an indemnity basis – not on a
    Reasonable care
                                                            new for old or replacement cost basis i.e. a
    You are required to take all reasonable care to
                                                            deduction will be made for wear, tear and
    protect yourself and your property and to act as
                                                            depreciation.
    though you are not insured.
                                                            Policy limits
    Complaints
                                                            Most sections of the policy have limits on the
    The policy includes a Complaints Procedure which
                                                            amount the Insurer will pay under that section.
    tells you what steps you can take if you wish to
                                                            Some sections also include inner limits e.g. for one
    make a complaint.
                                                            item or for valuables in total.
    Cooling off period
                                                            Governing law
    The cover under Section 5 - Cancellation,
                                                            If you reside within the United Kingdom, the law
    commences as soon as the policy is issued. If it
                                                            applicable to where you reside governs your policy.
    does not meet your requirements we cannot
                                                            If you reside outside the United Kingdom English
    refund your premium after this date except within
                                                            law governs your policy.
    the first 14 days of your receiving the policy or
    before you travel (whichever is sooner).

    Hazardous activities and sports
    The policy will not cover you when you take part in
    any hazardous activities and sports. (Please see
    page 30 for information about which leisure
    activities are covered and page 32 for excluded
    hazardous activities and sports.)

    Policy
    This contains full details of the cover provided plus
    the conditions and exclusions that apply. You must
    read the insurance policy carefully.

    Conditions and exclusions
    There are conditions and exclusions that apply to
    individual sections and general conditions,
    exclusions and terms that apply to the whole
    policy.



6
                                                            f. was under investigation when the policy was
  Pre-existing medical conditions                              issued or the trip was booked
                                                            g. knows will require medical treatment during
It is very important that you read and understand              the trip or where you are travelling
the following exclusions as they affect all insured            specifically to get medical treatment abroad.
persons and the cover provided by this policy. The
insurer may be able to offer cover provided that         4. arising from a medical condition of someone you
                                                            were going to stay with, a relative, a business
can be contacted on +44 (0)1689 892 272
you advise International Medical Screening who
                                                            associate, a travelling companion or anyone on
between 9.00am and 5.00pm Monday to Friday.                 whose health your trip may depend if you were
                                                            aware of the medical condition at the time your
This policy does not cover any claim                        policy was issued or your trip was booked.
1. arising from an insured person’s known but
   undeclared pre-existing medical condition which
   could reasonably be expected to give rise to
                                                           Changes in your circumstances after
   a claim.                                                buying this policy
2. directly or indirectly resulting from an insured
   person suffering from or having been treated          If there are any changes in the medical conditions
   for or diagnosed with any of the following            mentioned under Pre-existing Medical
   medical conditions in the 5 years before the          Conditions above or new ones arise after you
   insured journey.                                      have bought this policy and before you book or
                                                         go on the trip, you must tell International
   a. a cardiovascular or heart related condition
                                                         can be contacted on +44(0)1689 892 272
                                                         Medical Screening as soon as possible. They
      (heart attack, angina, chest pain,
      hypertension and the like)                         between 9.00am and 5.00pm Monday to Friday.
   b. a lung or respiratory related condition (not
      including asthma, when it is controlled and        Where the insurer agrees to cover the medical
      you have no other medical condition)               condition, their agreement, which should be kept
   c. a circulatory or renal condition, diabetes or      safely with your policy documents, will be advised
      cancer whether in remission or not                 in writing.
   d. a stroke, brain stroke or TIA (Transient
      Ischemic Attack) or other cerebrovascular          You will be responsible for any costs incurred in
      condition                                          obtaining any medical reports the insurer requires.
   e. a psychological or psychiatric condition such      If the insurer is unable to continue to provide
      as stress, anxiety, depression, dementia,          cover under Section 1- Medical expenses and
      malaise, fatigue (burn out syndrome)               Section 5 – Cancellation, they will refund the
   f. a terminal condition.                              premium you have paid in order to allow you to
                                                         source alternative insurance or they will cover the
3. arising from any pre-existing medical condition       costs incurred to date in respect of loss of deposits
   for which an insured person has been treated          and/or cancellation charges.
   in the last 2 years
                                                         If you fail to contact International Medical
   a. is taking or has been told to take regular         Screening within 7 days of the date of your
      prescribed medication                              becoming aware of any change of circumstances,
   b. is taking prescribed medication for chronic        you will be responsible for any increased costs
      and/or recurring conditions                        incurred by the insurer as a result of the delay in
   c. has required an organ transplant or requires       cancelling your trip. The insurer will only pay the
      dialysis                                           costs that would have applied had you cancelled
   d. is receiving or on a waiting list for in-patient   your trip within 7 days of the date of change of
      hospital treatment                                 circumstance giving rise to a claim.
   e. should have sought medical advice before
      beginning the trip or is travelling against the
      advice of a medical practitioner


                                                                                                                 7
                                                             Geographical areas
      Words with special meanings                            Area 1 The United Kingdom, Isle of Man, Channel
                                                                    Islands, Republic of Ireland, Western
    The words and phrases shown in bold have the                    European countries wet of the Ural
    same meaning wherever they appear. They are                     Mountains other than Spain, the
    either defined below or more specifically elsewhere             Canary Islands, Madeira and the Azores.
    in this policy.                                          Area 2 Spain, the Balearic Islands, the Canary
                                                                    Islands, Madeira, the Azores, the
    Advance payment                                                 Mediterranean islands, Iceland, Egypt,
    a payment made by or on behalf of the insurer to an             Israel, Morocco, Tunisia and Turkey.
    insured person when the insured person has no            Area 3 The rest of the world
    other means of paying for services or obtaining cash.
                                                             Hazardous activities and sports
    Assistance company and helpline                          any pursuit or activity where it is recognised there
    ETI Assistance Company, telephone line for the           is an increased risk of serious injury or which can be
    purpose of dealing with 24/7 emergency                   reasonably expected to aggravate any existing
    assistance.                                              disability or infirmity. (See page 32 for a list of
                                                             excluded hazardous activities and sports.)
    Bodily injury
    an injury caused solely by accidental violent and        Hijack
    visible means which, on its own, within 12 months        the unlawful seizure or wrongful exercise of control
    results in your death or disablement.                    of the aircraft or ship (or the crew thereof) or other
                                                             conveyance in which the insured person is
    Cash                                                     travelling as a fare-paying passenger.
    valid coins, bank and currency notes.
                                                             Illness
    Catastrophe                                              a sudden and unexpected deterioration in health
    avalanche, explosion, earthquake, fire, flood,           not caused by bodily injury.
    hurricane, lightning, medical epidemic, storm,
    tempest and tsunami.                                     Insurance event
                                                             one occurrence, or all occurrences of a series,
    Close business colleague                                 consequent on or attributable to one source or
    your fellow business colleague whose absence             originating cause.
    from work or place of employment necessitates the
    cancellation or curtailment of the trip.                 Insured/insured person/person-insured/
                                                             you/your
    Curtailment                                              any person named on the policy schedule who is
    returning to your home or place of business in the       eligible to be insured and for whom premium has
    United Kingdom before the trip’s scheduled return        been paid.
    date.
                                                             Insurer/they/them/their
    Family and couple                                        other than where more specifically defined
    the insured and married spouse, same sex couples         elsewhere in the policy, ETI – International Travel
    in a civil partnership, a cohabiting couple who have     Protection, Albany House, 14 Bishopric, Horsham
    been living together at the same address for more        RH12 1QN, the United Kingdom branch of Europaische
    than 6 months and their unmarried dependent              Reiseversicherung A.G., an Ergo Group Company
                                                                                                             ..
    children (including adopted, foster and step-children)   incorporated and regulated under the laws of
    under 18 or, if still in full-time education, 23.        Germany, Companies House Registration FC 25660
                                                             and Branch Registration BR 007939. Licensed by
                                                             the Bundesanstalt für Finanzdienstleistungsaufsicht
                                                             (BAFIN – www.bafin.de) and approved by the Financial
                                                             Services Authority (FSA – www.fsa.gov.uk) to
                                                             undertake insurance business in the United Kingdom.



8
Kidnap                                                    Policy excess
the unlawful holding of an insured person by a            the amount of money that will be deducted by the
third party without the insured person’s consent          insurer from a claims settlement under certain
and whose release is subject to the fulfillment of        sections of the policy. If you use the EHIC
certain conditions.                                       (European Health Insurance Card) when incurring
                                                          medical costs in an EU member state then no
Leisure trip                                              policy excess will apply under Section 1, Cover A
a trip commenced and ended from or within the             (Emergency medical and repatriation expenses).
United Kingdom during the policy period and
which includes all pre-booked travel arrangements         Pre-existing medical condition
and overnight accommodation away from the                 any past, current or re-occurring serious medical
insured person’s normal place of residence.               condition which has been diagnosed, investigated
                                                          or treated at any time prior to travel, even if this
Medical practitioner                                      condition is considered to be stable and under
a qualified medical physician, not being an insured       control.
person or a relative of the insured person.
                                                          Policyholder
Mugging                                                   the person who effected this policy.
a violent attack on you with a view to theft by
person(s) not previously known to you.                    Policy period
                                                          the period to which the policy applies, between and
Nuclear, chemical or biological terrorism act             inclusive of the dates shown as “Cover start date”
the use of any nuclear weapon or device or the            and “Cover end date” on the policy schedule
emission, discharge, dispersal, release, or escape of     starting at 00.01 hours on the Cover start date and
any chemical agent and/or biological agent during         ending at midnight on the Cover end date.
the period of this insurance. “Chemical” agent shall
mean any compound which when suitably                     Policy schedule
disseminated produces incapacitating, damaging or         the document which gives details of the
lethal effects on people, animals, plants or material     policyholder, insured person(s), policy period,
property. “Biological” agent shall mean any               premium payable, policy excess(es), endorsements
pathogenic (disease-producing) micro-organism(s)          applicable and the cover provided in the
and/or biologically produced toxin(s) (including          geographical area by this policy.
genetically modified organisms and chemically
synthesised toxins) which cause illness and/or            Relative
death in humans, animals or plants                        family and couple, mother, father, brother, sister,
                                                          son, daughter, grandmother, grandfather,
Permanent total disablement                               grandchild, relation in law or fiancé(e).
disablement resulting in an insured person’s
permanent and absolute inability to attend any            Single item limit
profession, business or gainful occupation of any kind.   the maximum amount the insurer will pay for any
                                                          one article, pair or set belonging to you. A pair or
Personal effects                                          set is any number of items that belong together or
baggage, clothing and personal effects, suitcases         can be used together.
and other containers taken on, or acquired during, a
trip by an insured person (but excluding personal         Sports equipment
money) and which are owned by you including               those articles which are usually worn, carried or
valuables and gifts purchased outside the United          held in the course of participation in a recognised
Kingdom.                                                  sport.

Personal money                                            Strike or industrial action
credit, debit or charge cards, cheques, travellers        any form of industrial action taken by workers
cheques, cash, bonds, money orders, negotiable            which is carried on with the intention of preventing,
instruments, pre-paid phone cards, petrol coupons,        restricting, or otherwise interfering with the
or other securities belonging to the insured person.      production of goods or the provision of services.


                                                                                                                  9
     Terrorism
     an act including but not limited to the use of force           Policy information
     or violence and/or the threat thereof, of any person
     or group(s) of persons, whether acting alone or on          The policy wording
     behalf of or in connection with any organisation(s)         The policy wording tells you exactly what is and is
     or government(s), committed for political, religious,       not covered, how to make a claim and other
     ideological or ethnic purposes or reasons including         important information.
     the intention to influence any government and/or
     to put the public, or any section of the public, in fear.   Policy schedule
                                                                 The policy schedule shows important details
     United Kingdom                                              including your premium amount and details of
     England, Scotland, Wales and Northern Ireland.              insured persons who are covered by this policy.
                                                                 Please keep it with the policy wording.
     Valuables
     jewellery, antiques, articles made of gold or silver or     Governing law and jurisdiction
     other precious metals, precious or semi-precious            The law that applies to the policy is the law of that
     stones, furs or leather clothing, watches, binoculars,      part of the United Kingdom in which you live.
     telescopes, photographic equipment, electronic
     audio or video equipment including tapes, CDs,              Data Protection Act
     DVDs, and other digital media, computer equipment           Any information provided to the insurer regarding
     including software and musical instruments.                 you and/or insured persons will be processed in
                                                                 compliance with the provisions of the Data
     War risks and civil hazards                                 Protection Act 1998, for the purpose of providing
     A. any sort of war, hostility, invasion, revolution,        insurance, medical screening and handling claims, if
        act of foreign enemy, civil war or unrest,               any, which may necessitate providing such
        rebellion, insurrection, or military usurped power       information to third parties. (See Important Information)
        (and whether declared or not) or United Nations
        or NATO enforcement action                               Your application and the principle of good faith
     B. explosion of war weapon(s), utilisation of               As the insured, you should bear in mind that good
        chemical weapons or biological weapons, the              faith is a very important principle in insurance. We
        release of weapons of mass destruction, or the           and the insurer will rely on the information that
        hostile act of an enemy foreign to the                   you provided when taking out the insurance. If the
        nationality of the insured person or of the              information submitted by you is materially
        country in which the act occurs.                         incorrect or incomplete, we may have the right to
                                                                 declare your policy void. A material fact is a fact
     We/our/us/ITHC                                              likely to influence us in the acceptance or the
     International Travel and Healthcare Limited,                assessment of the insurance e.g. a pre-existing
     Europoint, 5-11 Lavington Street, London SE1 0NZ            medical condition. If you are in any doubt as to
     which has effected and signed this policy on behalf         whether a fact is material then, for your own
     of the insurers in accordance with the authorisation        protection, you should declare it. If you are aware
     granted under contracts issued by them to us.               (when effecting the insurance) of any
     ITHC is authorised and regulated by the Financial           circumstances that are likely to cause Cancellation
     Services Authority. Register no. 433367.                    or Curtailment of any pre-booked trip you must
                                                                 tell us. You should, therefore, take utmost care to
     Withdrawal of services                                      ensure not only that the information provided to us
     the withdrawal of all water or electrical services in       is complete and accurate, but also that neither you
     your trip accommodation or waiter/waitress service          nor any of the insured persons have withheld any
     at meals or of kitchen services of such nature that         fact which may have some effect upon the terms
     no food is served or room cleaning services provided.       and operation of this policy.

                                                                 Reciprocal health agreements
                                                                 If you are travelling to a European Union country
                                                                 you are strongly advised to obtain a European
                                                                 Health Insurance Card online or from your local

10
post office. This will entitle you to benefit from the
reciprocal health agreements, which exist between        Medical examination
EU countries. Should you require medical treatment       You may be required to submit yourself to a
in Australasia please note that reciprocal               medical examination and/or deliver or arrange
arrangements may apply.                                  delivery of a medical declaration/copy of a
                                                         medical report issued by the medical practitioner.

  General policy conditions                              Pre-existing medical conditions
                                                         Your policy contains exclusions relating to pre-
                                                         existing medical conditions (See page 7).
  These are the conditions of the insurance
                                                         Third party contracts act
  you will need to meet as your part of this
                                                         A person or company who is not a party to
  contract. Certain sections of cover have
                                                         this policy has no right under the Contracts
  additional conditions, which must also be
                                                         (Rights of Third Parties) Act 1999 to enforce
  complied with.
                                                         any term of this policy but this does not
                                                         affect any right or remedy of a third party
  Age limitation
                                                         which exists or is available from that Act.
  Cover does not extend to any person aged 79
  or over at the commencement of the policy
                                                         Transferring your interest in the policy
  period.
                                                         You cannot transfer your interest in this
  Cancelling the policy                                  policy to anyone else.
  You may cancel this policy within 14 days of
  its issue (provided you have not commenced             War risks and civil hazards
  the trip) and, subject to you not having or            The policy covers the insured person
  intending to make a claim, a full refund of            provided you are not in Active Service/Taking
  premium will be made. If you choose to                 Part (see General Policy Exclusions below) and
  cancel and a claim has been made or the trip
  has commenced, you will not be entitled to             A. provided that the insured person’s
  any premium refund. We may cancel this                    presence in such country or area is
  policy by giving you at least 30 days’ notice
  (or in the event of non-payment of premium,               i. attributable to the scheduled transit or
  seven days’ notice) in writing at your last                   stopover not exceeding 24 hours of an
  known address. If we do, the premium you                      aircraft or sea vessel in which you are
  have paid for the rest of the current policy                  travelling or
  period will be refunded pro rata.                         ii. attributable to involuntary diversion or
                                                                transit due to hijack, kidnap or other
  Commencement of cover                                         occurrence beyond the insured person’s
  Cover for cancellation, if included, commences                control, provided always that at the time
  (see Section 5) on the “Cover Start Date”                     of such hijack, kidnap or occurrence the
  shown on your policy schedule or from the                     insured person was not within the
  date the trip is booked (whichever is later)                  confines of any country or area to which
  and terminates on commencement of the trip.                   events such as war, invasion, civil war,
  In respect of all other cover in the policy,                  armed hostility, rebellion, revolution,
  cover commences from the effective date                       overthrow of a legally constituted
  when you leave your usual place of                            government, insurrection of military or
  residence to commence the trip, and                           usurped power was applicable, nor
  continues until the time of your return to                    travelling to or from such country or area
  your usual place of residence or business on
  completion of the trip.                                B. for a maximum period of three days from
                                                            the start of the hostilities or of the insurrection,
  Maximum duration                                          where the insured person is surprised by
  The maximum duration of any one trip is 90                such events whilst out of the insured
  days.                                                     person’s country of residence in a country
                                                            which, until that time was in a state of peace.
                                                                                                                   11
     General policy exclusions                          Manual work
                                                        any manual work undertaken during your trip.

     These exclusions apply to all sections of your     Mental illness
     policy. The sections of cover in this policy       incidents arising out of psychological or
     have additional specific exclusions, which         psychiatric disorder or whilst suffering from
     apply only to those sections of cover in which     any condition of anxiety stress or depression
     they are expressly referred to.                    diagnosed prior to a trip.

     This policy does not cover                         Pre-existing medical conditions
                                                        as defined on page 7 and specifically
     Active service/Taking part                         excluded also on page 7.
     active service in any of the armed forces of
     any nation or as a hired or voluntary part of a    Pressure waves
     terrorist group, a revolutionary force or as       the transmission of an energy pulse through
     part of a voluntary peacekeeping force.            the atmosphere caused by aircraft and other
                                                        aerial devices travelling at sonic or supersonic
     Aviation                                           speeds.
     flying or aerial activity of any kind other than
     as a fare-paying passenger in a fully licensed     Radiation and explosives
     commercial passenger-carrying aircraft.            ionising radiation or contamination by
                                                        radioactivity from any nuclear fuel or from
     Business travel                                    any nuclear waste from the combustion of
     any business trip (manual labour only)             nuclear fuel or the radioactive toxic, explosive
     undertaken in relation to your employment.         or other hazardous properties of any
                                                        explosive nuclear assembly or nuclear
     Consequential loss(es)                             component of such assembly.
     any loss, charge, cost or expense not directly
     caused by the event leading to a claim             Related parties
     including but not limited to loss of contracts,    any negligence, error or omission of a
     business losses, loss of revenue, loss of use,     relative or close business colleague of an
     loss of profit and/or anticipated savings.         insured person.

     Criminal acts                                      Rescue
     any criminal act deliberately or intentionally     air and/or sea search and rescue.
     committed by an insured person.
                                                        Terrorism
     Depreciation                                       a. when the incident is covered by
     depreciation, wear and tear and currency              government or public authority compensation
     exchange losses.                                   b. leading to a Cancellation and Curtailment
                                                           due to fear of travelling or any cancellation
     Disinclination                                        if the public means of transport is not
     unwillingness or refusal to travel.                   departing to the destination as a
                                                           consequence of the act of terrorism or fear
     Electronic date recognition                           of terrorism
     failure or fear of failure or inability of any     c. in the form of a nuclear, chemical or
     equipment or any computer program, whether            biological terrorism act
     or not you own it, to recognise or to correctly    d. in areas which are regarded by the insurer
     interpret or process any date as its true             as war risks and civil hazards areas and/or
     calendar date, or to continue to function             in areas in which you are travelling
     correctly beyond that date. The exclusion             against the advice of the Foreign and
     does not apply to Policy Section 1 and 2.             Commonwealth Office.



12
                                                        2. If you are admitted as an in-patient you must
  War risks and civil hazards                              notify the Assistance Company and obtain
  you travelling to or through a country or                authorisation immediately prior to incurring any
  territory against the advice of the Foreign              costs. If this is not possible because of the
  and Commonwealth Office.                                 seriousness of the condition, you must contact
  See - www.fco.gov.uk                                     the Assistance Company as soon as possible
                                                           after admission.
  Note In addition, this policy will not cover          3. You must obtain authorisation from the
       any claims arising from any intentional             Assistance Company before making any
       self-injury, suicide, attempted suicide,            repatriation or evacuation arrangements.
       injury from deliberate or self exposure          4. If costs are incurred without notification, then
       to needless peril (except during the                the insurer is only liable for such costs as they
       attempt to save human life), the                    would have incurred had such a notification
       influence of intoxicating liquor or of a            taken place, based on existing price agreements
       drug or drugs, other than those                     and provided the claim is valid.
       medically prescribed (but excluding
       drug addiction), or substance or                 For Dynamic Packaging Insurance claims
       solvents abuse or venereal disease, or           Please advise International Passenger Protection
       any liability attributable in whole or in        IPP House, 22-26 Station Road, West Wickham,
       part to any HIV-related illness                  Kent ER4 0PR

                                                        Telephone +44 (0)208 776 3750
       (including AIDS) and derivatives of AIDS
                                                                  +44 (0)208 776 3751
       and HIV.
                                                        Fax
                                                        Email     info@ipplondon.co.uk

                                                        Claims should be advised as soon as possible after
  Claims Conditions                                     you become aware of the financial failure.

                                                        For Legal Costs and Expenses claims
Fraud                                                   Please contact DAS Legal Expenses Insurance
If the insured person makes any misrepresentation       Company Limited.
or concealment or dishonest statement in obtaining
the policy or in support of any claim, the insurance    DAS House, Quay Side, Temple Back, Bristol BS1 6NH

                                                        Telephone +44 (0)117 934 2000
will be void and all rights both in relation to that

                                                                  +44 (0)117 934 2109
claim and otherwise under this policy will be lost.
                                                        Fax
Making a claim                                          Email     newclaims@das.co.uk
1. Before making a claim, please check the policy
   schedule and policy wording to see whether           Claims should be notified as soon as possible and, in
   you have cover.                                      any event no later than 180 days of your
2. Please remember to keep relevant original            becoming aware of the insurance event.
   receipts and reports (not photocopies), as they
   will be required for any claim. You must be able     For all other claims
   to account for all expenses incurred.                Please contact Specialty Claims weekdays between
3. Remember to quote your policy number.                9.00am and 5.00pm

For medical emergency, medical related expenses,        Specialty Claims Services Limited, Europoint,
                                                        5-11 Lavington Street, London SE1 0NZ
repatriation and evacuation claims
                                                        Telephone +44 (0) 20 7902 7410
+44 (0)20 7902 7405 at any time of the day or night
Please telephone Specialty Assist on
                                                        Fax       +44 (0) 20 7928 4748
                                                        Email     operations@specialty-assist.com
1. Please call the Assistance Company as soon as
   possible for cases involving hospitalisation or if
                                                        Claims should be notified as soon as possible and, in
   you need a medical referral.
                                                        any event, no later than 30 days after the
                                                        insurance event.

                                                                                                                13
     No interest                                               claim number in all correspondence and telephone
     No interest shall be added to any claims payments.        calls.

     Other insurance                                           In the first instance, we would encourage you to
     If any insured person claims under this policy for        write to International Travel and Healthcare Limited
     something which is also covered by another                and ask for your complaint to be investigated.
     insurance policy or by credit card insurance, the         Alternatively, you can telephone our Compliance
     insured person must provide Specialty Claims with         officer on

                                                                        +44 (0)1689 89 22 28
     full details of the other insurance policy. The insurer
     will only pay their pro rata share of any claim apart     Tel
     from a personal accident claim, which will be paid        Email    info@int-travelandhealthcare.com
     in full.
                                                               International Travel and Healthcare Limited,
     Rights and responsibilities                               West House, 46 High Street, Orpington
     The insurer will be entitled to take over and             Kent, BR6 0JQ
     conduct in your name (at their expense) the
     defence or settlement of any claim or to prosecute        If we cannot resolve your complaint immediately,
     in your name to their own benefit in respect of           we will acknowledge it within 5 working days. It
     any claim for indemnity or damage or otherwise,           will then be investigated. We will, within 4 weeks,
     and will have full discretion in the conduct of any       either discuss our findings with you or advise you
     proceedings or in settlement of any claim and you         of the outcome of our initial investigation and
     will give all such information and reasonable             outline our proposal for resolving the matter. Our
     assistance as they require. This will include legal       aim is to finally resolve the complaint within 8
     action to get compensation from anyone else               weeks. If the complaint cannot be resolved in this
     and/or legal action to get back from anyone else          time we will inform you and give reasons for the
     any payments that have already been made. You             further delay and indicate when we expect to give
     may not settle, reject or negotiate any claim             a final response.
     without written permission to do so from the
     insurer.                                                  If you wish to make a specific complaint about

     In case of illness or bodily injury the insurer may       Section 13 – Dynamic Packaging Insurance, please
     approach any medical practitioner who may have            forward your complaint to the Managing Director
     treated you during the period of three years prior        International Passenger Protection Ltd., IPP House,
     to the claim and they may at their own expense,           22-26 Station Road, West Wickham, Kent BR4 0PR.
     and upon reasonable notice to you or your legal
     personal representative, arrange for you to be            Section 14 – Legal Costs and Expenses, please forward
     medically examined as often as required, or, in the       details of your complaint to The Managing Director
     event of death, have a post mortem examination of         DAS Legal Expenses Insurance Company Ltd., DAS
     your body. You will supply, at your own expense, a        House, Quay Side Temple Back, Bristol BS1 6NH.
     medical practitioner’s certificate in the form
     required by them in support of any medical-related        If the matter still cannot be resolved to your
     claim under the policy.                                   satisfaction, you have the right to refer to
                                                               The Financial Ombudsman Service (FOS), South
                                                               Quay Plaza, 183 Marsh Wall, London E14 9SR.
        Complaints procedure
                                                               The Financial Ombudsman Service can only deal
     We aim to provide the highest service standards at        with your claim after you have followed the full
     all times however, if for any reason you are not          complaints procedure.
     satisfied, we would like to hear from you. The
     procedure below has been put in place to ensure
     that your concerns are dealt with promptly and
     fairly. Please remember to quote your name as
     shown on your current schedule and the policy
     number and, if your complaint is about a claim, the

14
     Section 1 - Emergency medical and                      6.    Cost of medical treatment provided and
     repatriation transportation expenses                         covered under a state insurance or
                                                                  private health scheme.
                                                            7.    Costs of medications that were known
This section of the policy sets out the cover                     to be required or continued during the trip.
provided if an insured person sustains actual               8.    Costs of health or medical treatment
bodily injury or suffer illness outside the United                provided in the United Kingdom.
Kingdom (unless specifically covered below), the            9.    Cost of non-essential or ongoing
insurer will indemnify/pay the reasonable and/or                  treatment or where treatment can be
customary costs/expenses up to but not exceeding                  reasonably delayed until your return to
the sum insured per insured person in total per                   the United Kingdom.
trip as shown in Cover limits and applicable                10.   Cost of any form of cardiac or organ
excesses on page 5 which are necessarily incurred                 transplant surgery unless authorised by
in respect of the following                                       the insurer in advance of being
                                                                  performed.
A.        Emergency Medical and Transportation              11.   Cost of the service of a chiropractor,
          expenses as a direct result of bodily                   chiropodist or osteopath.
          Injury or illness                                 12.   Non-medical costs such as telephone,
                                                                  fax and internet use.
1.        Medical and surgical treatment expenses.          13.   Psychological counselling.
2.        Prescribed medicine.                              14.   Cost of dental treatment related to the
3.        Hospitalisation charges, nursing home and               provision of dentures, artificial teeth
          additional accommodation during recuperation.           and work involving the use of precious
4.        Emergency (or doctor-ordered) ambulance                 material.
          charges for conveyance to a hospital.             15.   Policy excess may apply except in the
5.        Emergency dental treatment expenses only                case of inpatient hospitalisation and
          for the alleviation of sudden pain.                     medical transportation or if you have
                                                                  used the European Health Insurance
                                                                  Card to reduce the claim, where no
     A. What is not covered                                       policy excess applies. Please refer to
                                                                  your policy schedule.
     1.     Admission to a private hospital/clinic          16.   An excess of £200 applies to people
            unless approved by the assistance                     over 65 years of age.
            company.                                        17.   Repair/Replacement of Prosthetic limbs
     2.     Private room accommodation in a                       and/or hearing aids.
            hospital/clinic.                                18.   Anything mentioned in the General
     3.     Any expense that you incur more than                  Exclusions.
            12 months after the occurrence of the
            injury or illness.
     4.     Any expenses not usual, reasonable or         B. Hospital Confinement Benefit
            customary for the medical services
            and/or supply.                                  Cover is provided for each 24-hour period that
     5.     Any costs arising from your normal              you are admitted to a hospital as an inpatient or
            pregnancy, without any accompanying             held in compulsory quarantine outside the
            bodily injury, illness, disease or
                                                            United Kingdom.
            complication except where specifically
            covered under Section 2 - Personal
            Accident, Section 5 - Cancellation or
            Section 6 - Curtailment. These sections
            all provide cover for unforeseen events,
            accidents, illnesses and diseases and
            normal childbirth would not constitute
            an unforeseen event except as
            specifically described.

                                                                                                                 15
     C.        As a result of the hospitalisation of an         3.        Repatriation of accompanying family and
               insured person, additional travel and                      couple members where an insured person
               accommodation expenses of a person                         has been hospitalised or has died.
               summoned to travel to, stay with, or             4.        Travel insurance for one person summoned.
               escort such insured person or similar            5.        Cover in the United Kingdom applies but is
               expenses for a travel companion staying                    limited to the amount in the schedule.
               with you.

     1.        Reasonable transport and accommodation                D.     What is not covered
               expenses (room only) of one relative or
               friend required on medical advice and                 1.     Any costs of repatriation or evacuation
               authorised by Specialty Claims to travel to                  as a result of your taking part in any
               you and/or remain with you.                                  excluded hazardous activities and
     2.        The insurer’s travel insurance for a person                  sports including dangerous expeditions
               summoned or a travel companion staying                       or from an area which is considered by
               with you.                                                    the insurer to be a war risk or civil
     3.        Reasonable additional travelling expenses                    hazard area.
               incurred by you in returning to your home             2.     Any expense that you incur more than
               address.                                                     12 months after the occurrence of
     4.        Reasonable additional accommodation                          the bodily injury or illness to which the
               expenses (room only) incurred by you                         claim refers.
               beyond the number of days pre-booked in               3.     Anything mentioned in the General
               the event of serious injury or illness for                   Exclusions.
               which a claim is admitted under A above.
     5.        Cover in the United Kingdom applies but
               limited to £1,000.                               E.        Funeral expenses and body repatriation

                                                                1.        Cost of returning your body or ashes to your
          C.     What is not covered                                      home address and/or the cost of cremation
                                                                          or burial in the country where death occurs.
          1.     An escort may not be summoned and              2.        Return travel and reasonable accommodation
                 covered under this policy if the insured                 (room only) expenses for one relative to
                 person is to be repatriated or released                  travel out and accompany the remains.
                 from the hospital/clinic within three          3.        Cover in United Kingdom applies but limited
                 days unless the hospitalised insured                     to £1,000.
                 person is less than 19 years of age.
          2.     Any expense that you incur more than
                 12 months after the occurrence of the               E.     What is not covered
                 bodily injury or illness to which the
                 claim refers.                                       1.     Any expense that you incur more than
          3.     Policy excess applies. Please refer to                     12 months after the occurrence of the
                 policy schedule.                                           bodily injury or illness to which the
                                                                            claim refers.

     D.        Repatriation or evacuation of the insured
               person as a consequence of a sudden
               illness, an accident or serious assault.              Additional conditions applying to Policy
                                                                     Section 1
     1.        Costs of your repatriation to the United
               Kingdom or nearest qualified medical facility         A.     All cover under this Section must be
               as determined by the insurer provided you                    prescribed or recommended by a
               are fit to travel from a medical perspective.                medical practitioner. If you are
     2.        The expense of a qualified medical attendant                 admitted as an in-patient in a
               or other person authorised by the insurer                    hospital/clinic you must notify the
               required on medical advice to escort you home.

16
                                                         B.        Disablement resulting in your permanent
            Assistance Company immediately prior                   and absolute inability to attend to a
            to incurring any medical costs. If costs               profession, business or gainful
            are incurred without notification, then                occupation of any kind
            the insurer is only liable for such costs,
            as they would have incurred had such a       1.        Persons aged 18 to 64 years - 100%
            notification taken place based on            2.        Persons aged over 64 - 10%
            existing price agreements and provided
            the claim is valid.                          C.        Permanent loss by physical severance of
     B.     The Assistance Company’s doctors have                  hand or foot at or above the wrist or
            the authority on behalf of the insurer                 ankle or permanent loss of use of an
            to decide whether or not a repatriation                entire hand or arm or of an entire foot or
            is preferable based on an evaluation of                leg or total and irrecoverable loss of all
            the medical condition of the insured                   sight in one or both eyes
            person.
     C.     Where repatriation/evacuation is             1.        Persons aged 18 to 64 years - 100%
            required, the insurer will decide on the     2.        Persons aged over 64 - 10%
            mode of transport taking into
            consideration the medical condition and
            requirements of the insured person and            Additional conditions applying to Section 2
            location accessibility.
            The transport can be carried out by air           A.     Compensation for disablement will be
            ambulance, helicopter, scheduled or                      paid to the insured person.
            charter aeroplane, train, taxi and/or                    Compensation for death will be paid to
            with other persons e.g. on scheduled or                  the deceased’s personal representatives
            charter flights(economy class).                          (next of kin).
     D.     You are required to ensure that you               B.     Disablement is determined as soon as
            have received the vaccinations                           the final consequences of the accident
            recommended by the World Health                          can be medically determined although
            Organisation (WHO) or United Kingdom                     not later than 12 months after the
            public health authority prior to your                    date of the insurance event causing
            travel including malaria medication. If                  bodily injury.
            you fail to take such precautions and it          C.     It is a condition for payment of
            is determined that the illness is a result               disablement compensation under B and
            of your negligence, your cover under                     C above that the insured person is alive
            policy Section 1 may be void.                            on the date of payment.
                                                              D.     The insurer will not pay any benefits
                                                                     solely because the insured person is
                                                                     unable to take part in sports or pastimes.
     Section 2 - Personal Accident                            E.     If an insured person disappears but no
                                                                     death certificate has been issued, the
                                                                     insurer will wait for a suitable period of
This section of the policy sets out the cover the
                                                                     time during which they will consider all
insurer provides in total per trip to each insured
                                                                     available evidence and if they have no
person up to the sum insured shown in the
                                                                     reason to suppose other than that
Schedule, who sustains bodily injury as a sole and
                                                                     death has occurred as a result of an
direct result of an accident during the trip giving
                                                                     accident, they will pay the sum insured.
rise to
                                                                     If the belief is subsequently found to
                                                                     be wrong, such amount shall be
A.        Death occurring within 12 months of the
                                                                     refunded to them.
          accident
                                                              F.     Any disablement compensation that has
                                                                     been paid in connection with an
1.        Persons aged 18 to 64 years - 100%
                                                                     insurance event resulting in death will be
2.        Persons under the age of 18 years or over
                                                                     deducted from the sum insured for death.
          the age of 64 - 10%

                                                                                                                  17
     G.       The degree of disablement for loss of            Section 3 - Withdrawal of services
              several parts of the body cannot
              exceed 100% of the sum insured for          This section of the policy sets out the cover the
              permanent total disablement.                insurer provides in total per trip to an insured
     H.       A pre-existing disablement does not         person, not exceeding the sum insured shown in
              entitle the insured person to any higher    Cover limits and applicable excesses on page 5.
              assessment of compensation than if
              such disablement had not previously         A.        Where a withdrawal of services has
              existed.                                              occurred continuously for more than 24
      I.      Where more than one insured person                    hours during your trip we will make a
              suffers bodily injury in the same                     payment in accordance with the Policy
              insurance event, the maximum the                      Schedule.
              insurer will pay is £50,000 unless
              otherwise agreed. If this limit is
              reached, this amount will be allocated           Exclusions applying to Section 3
              in proportion to each insured person.
     J.       The insured person (or in the case of            What is not covered
              death, the deceased’s personal
              representatives or next of kin) must             1.     Any claims where cover commences
              provide the insurer with satisfactory                   within 4 weeks of the departure date
              medical and other information or allow                  of your trip.
              them access to full medical records              2.     Strike or industrial action existing or
              and/or death certificates as requested.                 known about on the date of the
                                                                      purchase of this insurance.
                                                               3.     Services that were not part of your
                                                                      pre-paid package unless supported by
     Exclusions applying to Section 2                                 written confirmation from the tour
                                                                      operator or hotel to substantiate your
     What is not covered                                              claim.
                                                               4.     Anything mentioned in the General
     A.       any insurance event arising as a                        Exclusions.
              consequence of a nuclear, chemical or
              biological terrorism act
     B.       any Personal Accident risks which are a
              consequence of terrorism in areas                Section 4 - Provision of Screened Blood
              which are regarded by the insurer as
              war risks and civil hazards area
     C.       any insurance event arising from your       This section of the policy sets out the cover the
                                                          insurer provides in total per insured person, not
           i. being the driver, rider or passenger of a   exceeding the sum insured shown in the Schedule
               quad bike, all terrain vehicle or          in total per trip in the event of emergency medical
               motorcycle when you are not wearing        need of screened blood to be forwarded for the
               a crash helmet, whether legally            treatment of an insured person during a trip.
               required locally or not
           ii. your participation in any excluded         A.        The provision of screened blood,
               hazardous activities and sports.                     resuscitating fluids and sterile medical
                                                                    equipment to the nearest airstrip used
     D.       anything mentioned in the General                     by scheduled carriers and the onward
              Exclusions.                                           transportation of such supplies to the
                                                                    place of treatment by the fastest means
                                                                    reasonably available

                                                          1.        Cost and charges of such provision up to the
                                                                    sum insured.

18
                                                            4.        Your redundancy (qualifying you to claim for
     Exclusions applying to Section 4                                 payment under current Redundancy
                                                                      Payment Legislation) and that of any person
     What is not covered                                              with whom you intend to travel provided
                                                                      that such notice of redundancy is advised to
     1.     Supplies needed as a result of elective                   us within 14 days of its announcement.
            surgery, historical chronic blood               5.        Your private dwelling becoming
            disorders, or self-injury.                                uninhabitable following fire, storm or flood,
     2.     Anything mentioned in the General                         or your presence being required by the police
            Exclusions.                                               following burglary at such private dwelling
                                                                      occurring at any time after we have accepted
                                                                      this insurance.

     Additional conditions applying to Policy
     Section 4                                                   Exclusions applying to Section 5

     The existence of any emergency medical                      What is not covered
     need will be determined by the treating
     physician in conjunction with the authorised                1.      Any cancellation of a trip that was
     physician of the Assistance Company taking                          booked prior to the inception of this
     into account the medical condition of the                           policy.
     insured person and the safety of local                      2.      Any cancellation arising from
     supplies.                                                           circumstances that could reasonably
                                                                         have been anticipated at the time you
                                                                         booked your trip.
                                                                 3.      Any costs arising from your normal
     Section 5 - Cancellation                                            pregnancy, without any accompanying
                                                                         bodily injury, illness, disease or
This section of the policy sets out the cover the                        complication except where specifically
insurer provides to each insured person in total                         covered under Section 1- Medical
per trip, not exceeding the sum insured shown in                         Emergency Expenses. These sections
the Schedule, following necessary and unavoidable                        all provide cover for unforeseen events,
cancellation of a trip.                                                  accidents, illnesses and diseases and
                                                                         normal childbirth would not constitute
A.        All travel charges that you have paid and/or                   an unforeseen event except as
          are contracted to pay before the departure                     specifically described.
          date and cannot recover in respect of                  4.      Any cancellation following your
          any part of the trip that you are necessarily                  disinclination to travel or to continue
          required to cancel as a result of                              with your trip or your loss of enjoyment
                                                                         of the trip.
1.        Your accidental bodily injury or illness or            5.      Any cancellation as a consequence of
          death (or that of a relative, a close business                 terrorism including your fear of travelling.
          associate or a friend with whom you have               6.      Any cancellation of a trip
          arranged to travel or stay).
2.        You or any person with whom you have                        i. due to the fear of an epidemic or
          arranged to travel or stay, having being                         pandemic
          subject to compulsory quarantine or being                   ii. by the travel organiser
          summoned for non-foreseeable compulsory                     iii. where your carrier has refused to allow
          military and/or jury service or as a witness in                  you to travel.
          a court of law during the period of the trip.
3.        Your pregnancy, where confirmation of your             7.      Any additional costs or expenses due
          pregnancy by a hospital or registered medical                  to your failure to notify the travel
          practitioner is announced to you after you                     agent, tour operator or provider of
          have effected the policy provided you cancel                   transport immediately it is found
          your trip within seven days.                                   necessary to cancel your trip.
                                                                                                                        19
     8.      Any charges in respect of the trip                 Section 6 - Curtailment

          i. for which there is no contractual             This section of the policy sets out the cover the
              liability or                                 insurer provides to each insured person in total
          ii. which are recoverable elsewhere.             per trip, not exceeding the sum insured shown in
                                                           the Schedule, following necessary and unavoidable
     9.      Any costs of expenses arising from a          cancellation or curtailment of a trip.
             Catastrophe.
     10.     Any costs or expenses arising by virtue       A.        All reasonable additional travel expenses
             of the liquidation, administration or                   incurred by you in returning to your home
             receivership of the carrier or travel                   address in the United Kingdom where
             organiser.                                              such return is urgently necessitated by
     11.     Any additional costs or expenses
             arising by virtue of failure to check in or   1.        The death, serious illness or severe injury of
             comply with the itinerary supplied                      your relative or close business colleague,
             unless due to a cause outside of your                   where such relative or close business
             control.                                                colleague is resident in the United Kingdom.
     12.     Any failure to obtain the required            2.        Your kidnap or the hijack of the scheduled
             passport, visa or ESTA (Electronic                      public transport or ship in which you are
             System for Travel Authorisation for                     travelling.
             travellers to the U.S.A)                      3.        Your redundancy (qualifying you to claim for
     13.     Policy excess may apply. Please refer                   payment under current Redundancy
             to your policy schedule.                                Payment Legislation) and that of any person
     14.     Any claim arising from a psychological/                 with whom you intend to travel provided
             mental illness suffered by you or a                     that such notice of redundancy is advised
             relative whether travelling or not.                     after your departure.
                                                           4.        Your private dwelling becoming
                                                                     uninhabitable following fire, storm or flood,
                                                                     or your presence being required by the police
     Additional conditions applying to Policy                        following burglary at such private dwelling
     Section 5                                                       occurring at any time after commencement
                                                                     of the trip.
     You are obliged to immediately advise us of           5.        You or any person with whom you are
     any changed circumstances which become                          travelling or staying, being subject to serious
     apparent after the date of issue of the policy                  assault/rape or witnessing a traumatic event
     and before commencement of any trip during                      requiring hospitalisation or psychological
     the policy period which you could                               counselling.
     reasonably foresee as likely to give rise to a
     claim under the policy. The insurer reserves
     the right to alter the terms of insurance in the           Exclusions applying to Section 5
     light of such changed circumstances. The
     insurer will, subject to the terms, conditions             What is not covered
     and exceptions, indemnify you in respect of
     loss of deposits or charges that you have                  1.     Any curtailment of a trip that was
     necessarily incurred up to the date you                           commenced prior to the policy period
     advise us of such changed circumstances.                          unless declared to and accepted by us.
                                                                2.     Any curtailment as a consequence of
                                                                       terrorism.
                                                                3.     Any curtailment of a trip due to the
                                                                       fear of an epidemic or pandemic.
                                                                4.     Any curtailment arising from your




20
        normal pregnancy, without any                      Section 7 - Travel delay and disruption
        accompanying bodily injury, illness,
        disease or complication except where          This section of the policy sets out the cover the
        specifically covered under Section 1-         insurer provides to each insured person in total
        Medical Emergency Expenses. These             per trip, not exceeding the sum insured shown in
        sections all provide cover for                Cover limits and applicable excesses on page 5,
        unforeseen events, accidents, illnesses       following travel delay and disruption.
        and diseases and normal childbirth
        would not constitute an unforeseen            A.        Travel Delay on Outward Journey
        event except as specifically described
5.      Any expense following your                              Delay to departure of at least 12 hours due
        disinclination to travel or to continue                 to failure or delay of pre-booked public
        with your trip or your loss of enjoyment                means of transport on which the insured
        of the trip.                                            person is scheduled to travel
6.      Any expense arising from
        circumstances that could reasonably           1.        The amount as shown on your policy
        have been anticipated at the time you                   schedule for each full twelve-hour period
        commenced your trip.                                    that you are delayed or
7.      Any additional costs or expenses due          2.        The full deposit or cancellation charges
        to your failure to notify the travel                    (non-recoverable) if, after 24 hours delay to
        agent, tour operator or provider of                     your outward journey from the United
        transport immediately it is found                       Kingdom, you choose to cancel the trip. Such
        necessary to curtail the trip.                          compensation cannot exceed the sum
8.      Any charges in respect of the trip                      insured for Section 5 - Cancellation.
                                                      3.        Any travel delay as a consequence of
     i. for which there is no contractual                       terrorism will be limited to 50% of the sum
         liability or                                           insured.
     ii. which are recoverable elsewhere.

9.      Any costs or expenses arising by virtue            Exclusions applying to Section 7
        of the liquidation, administration or
        receivership of the carrier or travel              A.     What is not covered
        operator.
10.     Any additional costs or expenses                   1.     Travel delay caused by strike or
        arising by virtue of failure to check in or               industrial action that started or was
        comply with the itinerary supplied unless                 announced before your trip was booked.
        due to a cause outside of your control.            2.     Any costs of expenses arising from a
11.     Policy excess may apply. Please refer                     Catastrophe.
        to your policy schedule.                           3.     Costs or charges for which the airline or
                                                                  provider of transport or accommodation
                                                                  will compensate you.
                                                           4.     Circumstances that could reasonably
                                                                  have been anticipated at the date the
Additional conditions applying to Policy                          policy was effected or the trip was
Section 6                                                         booked.

a.      If the trip is curtailed due to your
        accident or illness, a medical
        practitioner on board or at the resort or
        the nearest town must confirm that the
        curtailment was medically necessary.
b.      All curtailment costs must be
        authorised in advance by the
        Assistance Company.

                                                                                                                21
     B.        Missed Departure
                                                                              allow 2 hours for international flights
               Disruption of an insured person’s scheduled                    and 1 hour for domestic flights.
               travel itinerary due to the failure or delay of        d.      Allow sufficient time to reach any
               any pre-booked public transport.                               airport, station, port or terminus with
                                                                              reasonable expectation of meeting the
               This section does not apply to trips within                    scheduled check-in time.
               the United Kingdom or Republic of Ireland if           e.      Obtain a motor breakdown service or
               this is your normal country of residence,                      repairer’s report if you miss your
               (except for trips to the Channel Islands)                      departure due to the breakdown of the
                                                                              vehicle in which you were travelling.
     1.        Reasonable additional accommodation and                f.      Obtain a police accident report if you
               travel expenses of an equivalent standard                      miss your departure because the
               (up to the sum insured) to the original                        vehicle in which you were travelling
               booking.                                                       was involved in an accident and/or you
     2.        Any travel delay as a consequence of                           were required to provide a witness
               terrorism will be limited to 50% of the sum                    statement.
               insured.                                               g.      Apply in a timely manner to the airline
                                                                              or carrier for compensation you are
                                                                              entitled to under EU Regulation No.
          Exclusions applying to Section 7                                    261/2004 “Air Passengers Rights”.

          B.     What is not covered

          1.     Travel delay caused by strike or                     Section 8 - Personal Effects
                 industrial action that started or was
                 announced before your trip was
                                                                 This section of the policy sets out the cover the
                 booked.
                                                                 insurer provides to each insured person in total
          2.     Any costs of expenses arising from a
                                                                 per trip not exceeding the sum insured and limits
                 Catastrophe.
                                                                 shown in Cover limits and applicable excesses on
          3.     Costs or charges for which the airline or
                                                                 page 5, for the loss, damage or theft of personal
                 the provider of transport or
                                                                 effects.
                 accommodation will compensate you.
          4.     Circumstances that could reasonably
                                                                 The insurer will settle claims on an indemnity basis
                 have been anticipated at the date the
                                                                 i.e. a deduction will be made for wear, tear and
                 policy was effected or the trip was
                                                                 depreciation.
                 booked.
                                                                 A.        Accidental loss, damage or theft of
                                                                           personal effects

          Additional conditions applying to Policy                         The insurer will, pay the intrinsic value of
          Section 7                                                        items at the time the loss occurred, subject
                                                                           to the insurer not paying more than the sum
          Each insured person must                                         insured in total or more than any single item
          a.    Take all reasonable steps to complete                      limit and valuables limits set out in the policy
                the scheduled journey on time.                             schedule.
          b.    Check-in according to the itinerary
                provided by the tour operator or carrier
                and obtain a signed statement or                      Exclusions applying to Section 8
                certificate from the tour operator,
                carrier, agent or transport provider                  A.      What is not covered
                confirming the period of delay or
                disruption.                                           1.      Items delayed or confiscated by any
          c.    Comply with minimum check-in and                              government or public authority.
                connecting times or if not published to

22
                                                            1.        If the insured person is under the age of 18,
     2.      Depreciation in value.                                   the insurer will not pay more than 20% of
     3.      Any loss or damage occurring                             the amount for cash shown in the policy
                                                                      schedule
          a. due to normal wear and tear, superficial       2.        Reasonable additional costs incurred in
             marks and scratches, dents or                            obtaining replacements.
             defacement of suitcases or other
             packaging
          b. due to atmospheric or climatic                      Exclusions applying to Section 8
             conditions
          c. during any process of cleaning, dyeing,             B.      What is not covered
             repairing or restoring
          d. to sports equipment while in use                    1.      Items delayed or confiscated by any
          e. due to mechanical or electrical                             government or public authority.
             breakdown or derangement                            2.      For losses
          f. to any items being shipped as freight
             or under a bill of lading                                a. occurring as a result of personal money
          g. to personal effects whilst in the                           being packed in suitcases or similar
             custody of an airline or other carrier                      receptacles whilst in transit outside an
             unless a Property Irregularity Report                       insured person’s personal control
             has been obtained                                        b. arising due to non-compliance with any
          h. any valuables, fragile articles or                          of the terms of issue of any personal
             electronic equipment in baggage or in                       money
             transit outside your personal control                    c. not reported to the police or appropriate
          i. to spectacles and contact lenses.                           authority within 24 hours of discovery
          j. Prosthetic limbs and/or hearing aids.                       and a written police report obtained
                                                                      d. occurring as a result of cash being
     4.      Any loss of unattended items left in a                      packed in suitcases or similar receptacles
             public place or unattended vehicles                         whilst in the custody of carriers.
             unless all items are kept out of sight in
             a locked glove or boot compartment                  3.      Any loss of unattended personal
             and the vehicle shows signs of forced                       money left in a public place or unattended
             entry.                                                      vehicles unless in a locked glove or
     5.      Losses not reported to the police or                        boot compartment which has been
             appropriate authority within 24 hours                       subjected to forcible and violent entry.
             of discovery and a written report                   4.      Policy excess may apply. Please refer
             obtained.                                                   to your policy schedule.
     6.      Policy excess may apply. Please refer
             to the policy schedule.

                                                                 Additional conditions applying to Policy
B.        Accidental loss or theft of personal                   Section 8
          money and travel documents
                                                                 a.      The claim for personal money lost by or
          The insurer will pay up to the sum insured                     stolen from an insured person will only
          shown in the Schedule, including the sub                       be paid if the insured person reports
          limit for cash, for accidental loss or theft of                such loss or theft to the relevant card
          personal money, passport, flight tickets and                   issuer, bank or other security provider
          other travel documents belonging to the                        as soon as possible.
          insured person whilst being personally                 b.      The insurer will only be responsible for
          carried by an insured person or in a safety                    losses of personal money or cash to
          deposit box whether in your hotel room or                      the extent you are not covered by any
          cabin under the supervision of the                             other insurance or any other form of
          accommodation in which you are staying or                      indemnity or reimbursement by the
          in a bank or whilst in securely locked
                                                                                                                      23
          accommodation under your control.
                                                              A.        Costs and expenses for which an insured
                 card issuer, bank or other security                    person is legally liable in a personal
                 provider.                                              capacity to pay in respect of accidents
                                                                        happening during the policy period
                 Original purchase receipts will be                     resulting in
                 required for items of luggage, clothing
                 and personal effects where these are         1.        loss of or damage to material property not
                 less than one year old.                                belonging to you or in the charge of or under
                                                                        the control of you or a member of your
                                                                        family and couple or household or of a
                                                                        person in your service.
          Section 9 - Luggage Delay                           2.        bodily injury, death or disease to any third
                                                                        party who is not an insured person, a
     The insurer will pay up to the sum insured shown                   member of your family and couple or
     in the Schedule, for the delay of personal effects                 household or in your service.
     for more than 12 hours after the actual arrival time
     of the insured person for                                          The indemnity provided by this section
                                                                        extends to cover costs and expenses
     1.        Reimbursement of reasonable costs for the                recoverable by any claimant, provided they
               purchase of necessary emergency                          were incurred before the date on which the
               replacement clothing, toilet requisites and              insurer paid or offered to pay either the full
               similar items.                                           amount of the claim or the total amount
                                                                        recoverable, in respect of any one occurrence
                                                                        and also to costs and expenses incurred by
          Exclusions applying to Section 9                              you with the insurer’s written consent.

          What is not covered                                           In the event of your death your personal
                                                                        representative will receive the benefit of the
          1.     Losses in respect of any personal                      cover granted by this section.
                 effects delayed on a return journey to
                 the insured person’s usual place of
                 residence.                                        Exclusions applying to Section 10
          2.     Loss, damage or theft of personal
                 effects whilst in the custody of an               What is not covered
                 airline or other carrier unless a Property
                 Irregularity Report has been obtained.            1.      Where legal liability arises directly or
                                                                           indirectly out of
          Note Any payment made under this section
               will be deducted from any subsequent                     a. the insured person’s trade profession
               payment made under Section 8 -                              or business
               Accidental loss, damage or theft of                      b. contractual liability unless such liability
               personal effects.                                           would have attached in any event in
                                                                           the absence of such contract
                                                                        c. ownership, possession or use (other
                                                                           than as a passenger having no right of
          Section 10 - Personal Liability                                  control) of any motor vehicle, caravans,
                                                                           trailers, aircraft, model aircraft or
                                                                           watercraft other than manually
     This section of the policy sets out the cover the                     propelled craft, mechanically or
     insurer provides in total, per trip, not exceeding                    electrically propelled vehicles and lifts
     the sum insured shown in the Schedule, in relation                 d. the insured person having transmitted
     to personal liability.                                                disease to other persons via infection
                                                                           or otherwise
                                                                        e. wilful, malicious or criminal acts


24
     f. ownership, possession or use of                   Section 11 - Hijack, Kidnap and Mugging
        animals or firearms
     g. ownership of any land or buildings.          This section of the policy sets out the cover the
                                                     insurer will provide to each insured person in
2.      Any fines or other penalties.                total, per trip, not exceeding the sum insured
3.      Legal liability in respect of loss or        shown in the Schedule, in respect of
        damage to any property owned or held
        in trust by or in the custody or control     A.        The kidnap of an insured person or the
        of the insured person other than use of                hijack of the means of transport on
        an hotel and other similar temporary                   which an insured person is travelling
        accommodation.
4.      The policy does not cover personal           The reasonable costs of
        liability as a consequence of a leisure      1.    Negotiating or attempting to negotiate your
        activity unless shown as covered on                release.
        page 5.                                      2.    Security counselling from specialist
5.      Anything mentioned in the General                  professional advisers.
        Exclusions.                                  3.    Psychological counselling for all Insured
                                                           Persons.
                                                     4.    Travel and accommodation cost (room only)
                                                           incurred by up to two family members when
Additional conditions applying to Policy                   travelling to a destination near the location
Section 10                                                 of the kidnap and/or hijack incident, when
                                                           such incident has lasted more than seven days.
a.      If you know of any insurance event,          5.    Hijack/kidnap benefit per day for each full 24
        which may result in a claim under this             hours that an insured person is detained.
        section you must

     i. inform us in writing without delay                Exclusions applying to Section 11
     ii. send all correspondence and legal
          documents to us unanswered                      A.     What is not covered
     iii. refrain from discussing liability with
          any third party.                                1.     Any ransom or other amount or property
                                                                 paid in relation to the release of a
b.      No admission, offer, promise, payment                    kidnapped or hijacked insured person.
        or indemnity may be made by you                   2.     Any kidnap or hijack in an area that is
        without our prior written agreement.                     considered by the insurer to be a war
c.      The insurer is entitled to take over the                 and civil hazard area.
        defence and settlement of any claim
        against you in your name and have full
        discretion in the conduct of any
        proceedings and the settlement of
        any claim.
d.      The insurer may at their own expense
        take proceedings in your name with full
        discretion to recover compensation or
        indemnity from any third party in
        respect of any loss, damage or expense.
e.      Where more than one insured person is
        involved in the same insurance event,
        the maximum the insurer will pay is
        £1,000,000 unless otherwise agreed.
        If this limit is reached, this amount will
        be allocated in proportion to each
        insured person.

                                                                                                            25
     B.        The hospitalisation of an insured person
               following a mugging                                 5.     Any expense recoverable from the tour
                                                                          operator, airline, hotel, provider of
     1.        A fixed sum in personal compensation for the               services or elsewhere.
               mugged insured person as specified on the
               policy schedule.                                    Note In the event of a Catastrophe, your
                                                                        travel insurance policy will be
                                                                        automatically extended to cover the
          Exclusions applying to Section 11                             period until your return to your country
                                                                        of residence.
          B.     What is not covered

          1.     Mugging that does not necessitate
                 hospitalisation.                                  Section 13 - Dynamic Packaging Insurance
          2.     Any claim not supported by a written
                 police report.                               This cover is provided by International Passenger
                                                              Protection Limited, IPP House, 22-26 Station Road,
                                                              West Wickham, Kent BR4 0PR, United Kingdom,
                                                              authorised and regulated by the Financial Services
          Section 12 - Catastrophe                            Authority (Register number 311958) and is
                                                              underwritten by a consortium of Association of
     This section of the policy sets out the cover the        British Insurers member Companies.
     insurer provides to each insured person in total,
     per trip, not exceeding the sum insured shown in         The insurer will pay up to the invoice cost stated in
     the policy schedule, in respect of                       the policy schedule in total for each person-
                                                              insured for
     The disruption of your trip by a catastrophe
                                                              1.        Irrecoverable sums paid in advance in the
     1.        Reasonable additional accommodation and                  event of insolvency of the Travel or
               travel expenses necessarily incurred in the              Accommodation provider not forming part of
               event that your trip is disrupted by a                   an inclusive holiday prior to departure or
               catastrophe.                                   2.        In the event of insolvency after departure

                                                                   a. additional pro rata costs incurred by the
                                                                      person-insured in replacing that part of the
          Exclusions applying to Section 12
                                                                      travel arrangements to a similar standard to
                                                                      that originally booked or
          What is not covered
                                                                   b. if curtailment of the holiday is unavoidable -
                                                                      the cost of return transportation to the
          1.     Circumstances already known at the
                                                                      United Kingdom, Channel Islands, Isle of Man
                 time of taking out this policy or booking
                                                                      or Ireland to a similar standard to that
                 the trip.
                                                                      originally booked.
          2.     Claims not supported by a written
                 report from the appropriate authorities.
          3.     Claims that are not justifiable given the
                 circumstances, for example, the fear of           Exclusions applying to Section 13
                 an event happening or not taking place.
          4.     An insured person’s decision not to               What is not covered
                 remain in your booked accommodation
                 or to continue your planned itinerary             1.     Travel or Accommodation not booked
                 when official directives from local                      within the United Kingdom, Channel
                 authorities state that it is acceptable to               Islands, Isle of Man or Ireland prior to
                 do so.                                                   departure.



26
2.      The Financial Failure of                         Section 14 - Legal Costs and Expenses

     a. any Travel or Accommodation provider        The insurer for this section is DAS Legal Expenses
        in Chapter 11 or any threat of              Insurance Company Limited (DAS/they/them), DAS
        insolvency being known at the date of       House, Quay Side, Temple Back, Bristol BS1 6NH.
        issue of the policy                         Registered in England and Wales, number 103274.
     b. any Travel or Accommodation provider        Authorised and regulated by the Financial Services
        who is bonded or insured elsewhere          Authority. Register number 202106.
        (even if the bond is insufficient to meet
        the claim)                                  This section of the policy sets out the cover the
     c. any travel agent, tour organiser,           insurer provides in total, per trip to an insured
        booking agent or consolidator with          person, not exceeding the sum insured shown in
        whom the person-insured has booked          the Schedule, in relation to legal costs and
        travel or accommodation.                    expenses. DAS manages and controls claims under
                                                    this policy section.
3. Any loss for which a third party is liable or
   which can be recovered by other legal            Definitions applicable to this section in
   means.                                           addition to the Words with Special Meanings on
                                                    page 5.
     PROVIDED THAT in the case of (a) and (b)
     above where practicable the person-            Representative
     insured shall have obtained the approval       the lawyer, or other suitably qualified person, who
     of the insurer prior to incurring the          has been appointed to act for the insured person
     relevant costs.                                under Condition (f) of the Additional Conditions to
                                                    this Section 14.
4. We do not cover the booking agent or
   consolidator.                                    Legal costs
                                                    All reasonable and necessary costs charged by the
                                                    representative on a standard basis. Also the costs
                                                    incurred by opponents in civil cases if the insured
                                                    person has to pay them, or pay them with the
Claims procedure                                    agreement of DAS.
Claims should be advised as soon as possible        Date of occurrence
after you become aware of the financial failure.    the date of the insurance event which may lead
                                                    to a claim if there is more than one insurance
International Passenger Protection Claims           event arising at the same time or from the same
Office, IPP House, 22-26 Station Road,              cause, then the date of occurrence is the date of
West Wickham, Kent BR4 0PR                          the first of these insurance events.
           + 44 (0)20 8776 3752
           + 44 (0)20 8776 3751
Tel                                                 A.     Bodily injury, illness and death
Fax
Email      info@ipplondon.co.uk                            DAS agree to provide the insurance in this
                                                           section as long as any legal proceedings will
                                                           be dealt with by a court or other body which
                                                           DAS agree to and the date of occurrence of
                                                           the insured incident happens during the
                                                           policy period and it is always more likely than
                                                           not that an insured person will recover
                                                           damages (or obtain any other legal remedy
                                                           which DAS have agreed to) or make a
                                                           successful defence. DAS will cover
                                                           reasonable legal and travel expenses
                                                           necessarily incurred in pursuit of a claim for
                                                                                                             27
             damages or compensation arising from the
             bodily injury, illness, death of an insured      6.      any claim relating to the following
             person occurring outside the United Kingdom
             and the Channel Islands.                              a. a contract regarding the insured
                                                                      person’s profession, business or
             DAS will negotiate for the insured person’s              employment
             legal rights after an insurance event that            b. a lease or a licence or tenancy of land
             causes the death of, or bodily injury to the             or buildings
             insured person. DAS will not pay legal                c. construction work on any land, or
             expenses to bring proceedings in more than               designing, converting or extending any
             one country in respect of the same event.                building
                                                                   d. a contact involving a motor vehicle,
             For all insured incidents DAS will help in               except for car hire
             appealing or defending an appeal as long as           e. the settlement payable under an
             the insured person informs them within the               insurance policy
             time limits allowed that they want to appeal.
                                                              7.      an application for Judicial Review
             Before DAS pay the legal costs and expenses      8.      written or verbal remarks that damage
             for appeals, they must agree that it is always           the insured person’s reputation
             more likely than not that the appeal will be     9.      fines, damages or other penalties that
             successful.                                              the insured person is ordered to pay by
                                                                      a court or other authority
     1.      Up to the sum insured specified in the policy    10.     defending the insured person’s legal
             schedule for legal costs and expenses,                   rights
             directly related to the legal action including   11.     any legal action the insured person
             the legal costs and expenses of a                        takes which DAS or the representative
             representative. The maximum amount DAS                   have not agreed to or where the
             will pay for all claims resulting from one or            insured person does anything that
             more insurance events arising at the same                hinders them or the representative
             time or from the same cause is £50,000           12.     any legal costs and expenses that are
             unless otherwise specified in the policy                 incurred where DAS agree a
             schedule. If the aggregate limit is reached,             contingency fee arrangement with the
             this amount will be allocated in proportion to           representative.
             our liability to each insured person.


          Exclusions applying to Section 14                   Additional conditions applying to Policy
                                                              Section 14
          What is not covered
                                                              a. i. DAS can take over the conduct, in the
          DAS shall not be liable for                                insured person’s name, any claim or
          1.   any claim reported to them more than                  legal proceedings at any time before a
               180 days after the date the insured                   representative is appointed. DAS can
               person should have known about the                    negotiate any claim on the insured
               insurance event                                       person’s behalf.
          2.   any legal costs that are incurred before          ii. If DAS agree to start legal proceedings,
               DAS agreed to pay them                                or if there is a conflict of interest, the
          3.   any claim against an insurer or insurer’s             insured person can choose a
               agent                                                 representative by sending them the
          4.   any disagreement with ETI or DAS that                 lawyer’s name and address. DAS may
               is not in the Additional Condition                    choose not to accept the choice of
               applying to Section 14(f)                             lawyer, but only in exceptional
          5.   any claim relating to any illness that                circumstances. If there is a disagreement
               develops gradually or is not caused by                over the choice of representative,
               a specific or sudden accident
28
          another lawyer can be appointed to                  give suitable instructions to a
          decide the matter (see Condition (f) of             representative, the cover they provide
          the Additional Conditions to Section 14).           will end at once.
     iii. Before the insured person chooses a         f.      If DAS and the insured person disagree
          lawyer, DAS can appoint a representative.           about the choice of representative, or
     iv. A representative will be appointed by                about the handling of a claim, they and
          DAS and represent the insured person                the insured person can choose another
          according to their standard terms of                lawyer to decide the matter. You and
          appointment. The representative must                they must agree to this in writing. If
          co-operate fully with DAS at all times.             DAS cannot agree with the insured
     v. DAS will have direct contact with the                 person about the choice of the second
          representative.                                     lawyer, they will ask the president of a
     vi. The insured person must co-operate                   relevant national law society to choose
          fully with DAS and the representative               a lawyer. Whoever loses the
          and must keep DAS up-to-date with                   disagreement will have to pay the
          the progress of the claim.                          costs of settling it.
     vii. The insured person must give the            g.      DAS may, at their discretion require the
          representative any instructions that                insured person to obtain an opinion
          DAS ask for.                                        from counsel at the insured person’s
                                                              expense as to the merits of a claim or
b. i. The insured person must tell DAS if                     proceedings. If counsel’s opinion
         anyone offers to settle the claim.                   indicates that there are reasonable
    ii. If the insured person does not accept a               grounds for the pursuit of a claim or
         reasonable offer to settle a claim, DAS              proceedings, the cost of obtaining the
         may refuse to pay further legal costs                opinion will be paid by DAS.
         and expenses.
    iii. The insured person must not negotiate        Claims procedure
         or agree to settle a claim without DAS’s     Claims should be notified as soon as possible
         approval.                                    and, in any event no later than 180 days of
    iv. DAS may decide to pay the insured             your becoming aware of the insurance event.
         person the amount of damages that
         the insured person is claiming or is         Please contact DAS Legal Expenses Insurance
         being claimed against them instead of        Company Limited. DAS House, Quay Side,
         starting or continuing legal proceedings.    Temple Back, Bristol BS1 6NH

                                                                 +44 (0)117 934 2000
                                                                 +44 (0)117 934 2109
c. i. If DAS ask, the insured person must tell        Tel
       the representative to have legal costs         Fax
       and expenses taxed, assessed or                Email      newclaims@das.co.uk
       audited.
   ii. The insured person must take ever step
       to recover legal costs and expenses
       that DAS have to pay and must pay
       them any legal costs and expenses
       that are recovered.

d.      If a representative refuses to continue
        acting for the insured person with good
        reason or if the insured person
        dismisses a representative, the cover
        DAS provide will end at once, unless
        they agree to appoint another
        representative.
e.      If the insured person stops a claim
        without DAS’s agreement, or does not

                                                                                                         29
       Covered Leisure Activities

     Whilst the leisure activities listed below are themselves covered by the policy, for some there is no cover
     for Personal Accident or Personal Liability.

                                                                                  Personal Accident and
      Activity
                                                                                  personal liability covered

      Abseiling                                                                   No

      Amateur athletics                                                           Yes

      Archaeological digging                                                      Yes

      Archery                                                                     Yes

      Badminton                                                                   Yes

      Baseball                                                                    Yes

      Basketball                                                                  Yes

      Bungee jumps (three jumps)                                                  Yes

      Camel or elephant riding or trekking                                        No

      Canoeing                                                                    Yes

      Clay-pigeon shooting                                                        No

      Conservation or charity work
                                                                                  No
      (educational and environmental - working with hand tools only)

      Cricket                                                                     Yes

      Cycle touring                                                               No

      Cycling                                                                     Yes

      Dune and wadi bashing                                                       No

      Falconry                                                                    No

      Football                                                                    No

      Go-karting                                                                  No

      Golf                                                                        Yes

      Hiking (over 2,000 metres but under 6,000 metres altitude)                  No

      Hockey                                                                      No

      Horse riding (not polo, hunting, jumping)                                   No

      Hot-air ballooning                                                          No

      Husky sledge driving                                                        Yes

      Jet boating                                                                 No

      Jogging                                                                     Yes

      Kayaking                                                                    No

      Kite surfing (over water)                                                   No

      Marathons                                                                   Yes

      Motorcycling (under 50cc - not racing)                                      No


30
                                                                          Personal Accident
Activity
                                                                          and personal liability covered

Mountain biking (not including downhill racing and extreme terrain)       Yes

Mud buggying                                                              No

Netball                                                                   Yes

Orienteering                                                              Yes

Paintballing (wearing eye protection)                                     No

Parascending (over water)                                                 No

Passenger (in private or small aircraft or helicopter)                    No

Quad biking                                                               No

Rambling                                                                  Yes

Roller blading (in-line skating and skate boarding                        Yes

Rowing                                                                    No

Running (sprint and long distance)                                        Yes

Safari                                                                    Yes

Sand boarding                                                             Yes

Scuba diving (qualified, maximum depth 30 metres) under 14 days           Yes

Sea kayaking                                                              No

Sleigh rides (part of a Christmas experience trip to northern Europe)     Yes

Snorkeling                                                                Yes

Squash                                                                    Yes

Surfing                                                                   Yes

Swimming                                                                  Yes

Target rifle shooting                                                     No

Tennis                                                                    Yes

Trekking (over 2,000 metres but under 6,000 metres altitude)              No

Trekking (under 2,000 metres altitude)                                    Yes

Triathlons                                                                Yes

Volleyball                                                                Yes

Wake boarding                                                             Yes

Water polo                                                                Yes

Water skiing                                                              Yes

White or black water rafting (Grades 1 – 4)                               Yes

Windsurfing and yachting (racing and crewing) inside territorial waters   Yes




                                                                                                           31
       Excluded Hazardous Activities & Sports

     This policy does not provide cover for any of the hazardous activities and sports listed below.


      Activity

      American football                                                 Scuba diving (unqualified, maximum depth 9m)

      Assault course                                                    Sea canoeing

      Battle re-enactment                                               Shark diving (inside cage)

      Breathing observation bubble diving                               Sky diving
      (maximum depth 30m) under 14 days                                 Tall-ship crewing

      Canyoning                                                         Via ferrata

      Coasteering                                                       White or black water rafting (grades 5 to 6)

      Flying (piloting private or small aircraft or helicopter)         Zorbing

      Gliding

      Gorge walking                                                     Excluded winter sports include the following

      Hang-gliding                                                      Bobsleighing

      High diving                                                       Freestyle skiing

      Horse jumping (Not polo or hunting)                               Glacier walking or trekking

      Kite surfing (over land)                                          Guided cross country skiing

      Manual labour (at ground level, no machinery)                     Heli-skiing

      Martial arts (training only)                                      Ice hockey

      Micro lighting                                                    Ice skating

      Motorcycling (over 50cc – not racing)                             Jet skiing

      Mountain biking (including downhill racing and extreme terrain)   Lugeing

      Mountain boarding                                                 Off-piste skiing

      Ostrich riding or racing                                          Off-piste snowboarding (with a leash)

      Parachuting                                                       Recreational racing

      Paragliding                                                       Skeletons

      Parapenting                                                       Ski acrobatics

      Parasailing                                                       Skiing

      Parascending (over land or snow)                                  Ski racing or training (non-professional)

      Rock climbing (not mountaineering)                                Ski stunting

      Rock scrambling                                                   Snowboarding (with a leash)

      Rugby                                                             Snow mobiling

      Sand yachting                                                     Tobogganing

      Scuba diving (qualified, maximum depth 40 metres)



32
                                                           Fraud detection and prevention
   Important Information - Please Read                     International Travel and Healthcare Limited,
                                                           participating insurers and/or their agents and
We strongly recommend that you keep a record of            suppliers may, in order to detect and prevent fraud
all information given to us, including telephone
                                                           G   check your identity to prevent money
calls, copies of all letters, emails and the application
and claim forms you completed whether in hard                  laundering unless you have provided us with
copy or on-line. A copy of the policy is available on          satisfactory proof of identity
                                                           G   undertake checks against publicly available
request.
                                                               information such as the electoral roll, County
Material Facts and Changes                                     Court Judgements and bankruptcy orders
                                                           G   validate your claims history or that of any
It is your responsibility to provide complete and
accurate information to insurers when you take out             insured person or property involved in the
your insurance policy, and throughout the life of              policy or a claim.
your policy. It is important that you ensure that all
statements you make on the application form,               Financial Services Compensation Scheme
claim forms and other documents are full and               Where the insurers participating in this policy are
accurate. Please note that if you fail to disclose any     authorised by the Financial Services Authority
information or change in circumstances to your             (FSA), you are protected by the Financial Services
insurers which could influence the cost of their           Compensation Scheme (FSCS), which acts as a
decision to accept your insurance, your policy may         safety net in the unlikely event that they are
be invalidated and part or all of a claim may be not       unable to pay claims due to insolvency. The FSCS
be paid.                                                   will meet the first £2,000 of the claim and then
                                                           90% of the balance, in both cases without any
Administration and regulatory compliance                   upper limit. Full details of the scheme can be
The information you supply may be used for                 obtained from FSCS website www.fscs.org.uk or by
G insurance and claims administration, debt                writing to Financial Services Compensation Scheme,
  collection, research and statistical analysis by         7th Floor Lloyds Chambers, Portsoken Street,
  International Travel and Healthcare Limited, its         London E1 8BN.
  associated companies and agents, by other
  participating insurers, their agents and suppliers
  and your insurance intermediary
G disclosed to regulatory bodies for monitoring
  and/or enforcing the insurers’ compliance with
  any regulatory rules and codes of conduct
G shared with other insurers either directly or via
  those acting for them such as claims
  administrators, lawyers and investigators
G shared with and checked against various
  databases, credit reference agencies, fraud
  prevention agencies and public bodies including
  the police when you apply for, renew this
  insurance or make a claim.




                                                                                                                 33
     Notes




34
                                                            ERGO Insurance Group.
ETI is the UK branch of Europaische Reieseversicherung AG   A member of the
registered at Companies House FC 25660, BR 007939.
ETI is licensed by the German Bundesanstalt fur
Finanzdienstleistungsaufsicht BAFIN - www.baffin.de
and approved by the FInancial Services Authority FSA -
www.fsa.gov.uk to undertake insurance business in the UK.


ETI - ITHC - 01 - 01.06.2010

				
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