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					           Arranged for Gold Cover Insurance Services Ltd
SCHEME NO: HIS/2010/NJHRET/158/T
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                                                            TRAVEL INSURANCE 2010/11
                                                                                                                        Scheme No.
                                                                                                                        HIS/2010/NJHRET/158/T



Dear Traveller

This is to certify that ETI will insure in accordance with the terms and             1. It is a condition of this Policy that You will not be covered under section
conditions contained herein or endorsed hereon. The policy wording sets              A - Cancellation and Curtailment, Section B – Emergency Medical and
out in full details of the cover provided and is only valid if attached to a         other Expenses and section C - Personal Accident for any claims arising
schedule of cover (also referred to as the schedule herein) showing the              directly or indirectly from:
sums insured and limits of the insurance provided and a validation
certificate detailing the premium, geographical area, period of cover and            a. At the time of taking out this policy:
persons insured. ETI are approved by the Financial Services Authority.
                                                                                     i) Any Medical Condition You have or have had for which You have seen
This is Your insurance policy and contains all the information You need to           a specialist or been admitted to a hospital overnight in the last 12 months;
know about Your travel insurance. However, this policy is only valid once            ii) Any breathing or heart problem (including angina) or high blood pressure
a schedule of cover showing the sums insured and limits of the insurance             which has required treatment (including regular medication) in the last 12
provided and a validation certificate showing proof of payment of premium            months;
is attached. Please read this policy carefully and remember this travel              iii) Any disorder of the blood such as clotting, bleeding or anaemia, any
insurance is designed to cover most events which may happen during                   form of stroke, any form of cancer, leukaemia or tumour, or any psychiatric
Your trip, but We cannot cover all expenses and possibilities. You will find         illness, stress, depression, anxiety or dementia which has required
full details of the cover and the conditions and exclusions in the policy.           treatment (including regular medication) in the last 12 months;
                                                                                     iv) Any transplant or dialysis treatment (including regular medication) that
If You have any queries, or if You require additional cover please contact           has been required in the last 12 months;
the agent who sold this policy to You. If You need to make a claim or                v) Any other Medical Condition for which You have been taking regular
declare a health condition please call the relevant numbers shown on the             medication for more than 6 months;
schedule of cover.
                                                                                     unless You have contacted Health Check and We have agreed, in writing,
     IMPORTANT NOTE - MEDICAL TREATMENT AND MEDICAL                                  to cover You.
                 EMERGENCIES OVERSEAS
                                                                                     The conditions falling within the criteria in i) to v) above are deemed
If You require medical attention in a country with a reciprocal health care          to be Pre-Existing Medical Conditions
agreement with the UK such as the countries of the European Union,
Switzerland, Australia and New Zealand You must ensure that the medical              However, if You have a condition that falls within the above criteria but that
treatment You obtain is provided at hospitals or by doctors working within           condition is shown in the Automatically Accepted Minor Conditions shown
the terms of the agreement.                                                          on the next page, it will be covered under the policy without the need to
                                                                                     contact Health Check and without any additional charge provided:
This insurance does not cover private in-patient health care treatment in
countries that operate reciprocal health care agreements unless it is                • You only suffer from one of these conditions
authorised in advance by the 24 Hour Medical Assistance Company                      • You are not awaiting surgery for the condition
detailed on the schedule.                                                            • You have been fully discharged from any post-operative follow-up
                                                                                     • You meet the criteria stated next to the condition
If You are admitted to a private clinic or are likely to incur medical expenses in
excess of £250 as an out-patient please ensure that immediate contact is made
                                                                                     If You have more than one condition that falls within the Automatically
with the Assistance Company who will arrange a transfer to an appropriate
medical facility. You should before You travel obtain from Your local Post           Accepted Minor Conditions list, You must declare all Your Pre-Existing
Office a European Health Insurance Card (EHIC) application pack or apply             Medical Conditions to Health Check.
online at www.dh.gov.uk/travellers.
                                                                                     2) Any Medical Condition for which You, a Close Relative, a travelling
Please refer to the specific exclusions applying to Section A, B & C                 companion or a person with whom You intend to stay whilst on Your Trip
of this insurance.                                                                   have received a terminal prognosis.

              TRAVEL INSURANCE POLICY                                                3) Any Medical Condition for which You, a Close Relative, a travelling
IMPORTANT DECLARATION PRE-EXISTING MEDICALCONDITIONS                                 companion or a person with whom You intend to stay whilst on Your Trip
                                                                                     are aware of but have not had a diagnosis.
This insurance policy contains health restrictions that apply to the cover
provided under the Cancellation, Curtailment, Medical and Personal                   4) Any Medical Condition for which You, a Close Relative, a travelling
Accident sections of this insurance (see the exclusions applying to                  companion or a person with whom You intend to stay whilst on Your Trip
Sections A, B and C). If You make a Claim for a Pre-Existing Medical                 are on a waiting list for or have knowledge of the need for surgery,
Condition that You have not declared to Us and has not been agreed by                treatment or investigation at a hospital, clinic or nursing home.
Us in writing, Your claim will be declined.
                                                                                     You will not be covered at any time for:
In order to ensure that You are adequately insured, it is important that You         a) Any Medical Condition You have in respect of which a medical
declare all Pre-Existing Medical Conditions for Yourself and anyone                  practitioner has advised You not to travel (or would have done so had You
insured on the policy. Your Insurance Schedule of Cover details how to               sought his/her advice), but despite which You still travel.
contact the Health Check line. When You contact the Health Check line,               b) Any Medical Condition for which You are travelling to obtain treatment.
You will be advised if Your condition can be covered by this insurance               c)Any Medical Condition for which You are not taking the recommended
policy and any additional terms or premium that may apply. Please note               treatment or prescribed medication as directed by a medical practitioner.
that We cannot guarantee to be able to offer cover for all conditions.               d) Your travel against any health requirements stipulated by the carrier,
However, if the terms made available to You are unacceptable , You will              their handling agents or any other public transport provider.
be able to cancel this policy and obtain a refund of Your premium provided           e) Any Medical Condition affecting You, a Close Relative or a travelling
You have not already travelled or made a claim. This is also on the                  companion that You are aware of at the time of booking any Trip which
proviso that You contact us within 14 days of the policy issue date or within        could reasonably have been expected to lead to cancellation or
7 days of the change in Your circumstance if You are declaring a new                 Curtailment of the Trip.
condition that has arisen after You have purchased this policy but before
You start Your Outward Journey.
Automatically Accepted Minor Conditions List (covered as                   R Repetitive Strain Injury, Retinitis Pigmentosa, Rhinitis (Allergic),
standard provided only one of these conditions is suffered):               Rosacea, Ruptured Tendons
A Abnormal Smear Test, Achilles Tendon Injury, Acne, Acronyx               S Salpingo-oophoritis, Scabies, Scalp Ringworm (Tinea Capitis),
(Ingrowing Toe-nail), Adenoids, Allergic Rhinitis, Alopecia, Anal          Scheuermann’s Disease (provided no respiratory issues),
Fissure/Fistula, Appendectomy, Astigmatism, Athlete’s Foot (Tinea          Sebaceous Cyst, Shingles (Herpes Zoster), Sinusitis, Skin
Pedis), Attention Deficit Hyperactivity Disorder                           Ringworm (Tinea Corporis), Sleep Apnoea (no machine used to
B Bell’s Palsy (Facial Paralysis), Benign Prostatic Enlargement,           assist breathing), Sore Throat, Sprains, Stigmatism, Stomach Bug
Bladder Infection (no ongoing treatment, no hospital admissions),          (resolved), Strabismus (Squint), Stress Incontinence (no urinary
Blepharitis, Blindness, Blocked Tear Ducts, Breast Fibroadenoma,           infections)
Breast Cyst(s), Breast Enlargement/Reduction, Broken Bones                 T Talipes (Club Foot), Tendon Injury, Tennis Elbow, Tenosynovitis,
(other than head or spine) - (no longer in plaster), Bunion (Hallux        Termination of Pregnancy, Testicles Epididymitis, Testicles
Valgus), Bursitis,                                                         Hydrocele, Testicles Varicocele, Testicular Cyst, Testicular Torsion
C Caesarean Section, Candidiasis (oral or vaginal), Carpal Tunnel          (Twisted Testicle), Throat Infection(s), Thrush, Thyroid Overactive,
Syndrome, Cartilage Injury, Cataracts, Cervical Erosion, Cervicitis,       Thyroid Deficiency, Tinea Capitis (Scalp Ringworm), Tinea
Chalazion, Chicken Pox (fully resolved), Cholecystectomy,                  Corporis (Skin Ringworm), Tinea Pedis (Athlete’s Foot), Tinnitus,
Chronic fatigue syndrome (if only symptom is fatigue and no                Tonsillitis, Tooth Extraction, Toothache, Torn Ligament, Torticollis
hospital admissions), Coeliac Disease, Cold Sore (Herpes                   (Wry Neck), Trichomycosis, Trigeminal Neuralgia, Turner’s
Simplex), Common Cold(s), Conjunctivitis, Constipation, Corneal            Syndrome, Twisted Testicle
Graft,Cosmetic Surgery, Cyst Breast, Cyst Testicular, Cystitis (no         U Umbilical Hernia, Underactive Thyroid, Undescended Testicle,
ongoing treatment, no hospital admissions), Cystocele (fully               Urethritis (fully recovered, no hospital admissions), URTI (Upper
recovered, no hospital admissions),                                        Respiratory Tract infection) (resolved, no further treatment),
D D & C, Deaf Mutism, Deafness, Dental Surgery, Dermatitis (no             Urticaria, Uterine Polyp(s), Uterine Prolapse
hospital admissions or consultations), Deviated Nasal Septum,              V Varicocele, Varicose Veins - legs only, never any ulcers or
Diarrhoea and/or Vomiting (resolved), Dilatation and Curettage,            cellulitis (if GP has confirmed that client is fit to travel), Vasectomy,
Dislocations (no joint replacement or hospital admissions), Dry            Verruca, Vitiligo
Eye Syndrome, Dyspepsia,                                                   W Warts (benign, non-genital), Womb Prolapse (uterus), Wry Neck
E Ear Infections (resolved must be all clear prior to travel if flying),   (Torticollis).
Eczema (no hospital admissions or consultations), Endocervical
Polyp, Endocervicitis, Endometrial Polyp, Epididymitis, Epiphora
                                                                                             ONGOING HEALTH DECLARATION
(Watery Eye), Epispadias, Epistaxis (Nosebleed), Erythema
Nodosum, Essential Tremor                                                  If, after taking out this insurance but before You travel on any Trip, You
F Facial Neuritis (Trigeminal Neuralgia), Facial Paralysis (Bell’s         develop a new Medical Condition which would fall within the Medical
Palsy), Femoral Hernia, Fibroadenoma, Fibroid Uterine,                     Declaration criteria above, You must call Health Check immediately. We
                                                                           may in the light of such changed circumstances not be able to continue
Fibromyalgia, Fibromyositis, Fibrositis, Frozen Shoulder
                                                                           cover under Sections A, B and C of this insurance. If this is not acceptable
G Gall Bladder Removal, Ganglion, Glandular Fever (full recovery           to You, You will be entitled to claim for the cancellation of Your Trip and
made), Glaucoma, Glue Ear (resolved must be all clear prior to             no policy Excess will be applied. If You have purchased an Annual Multi
travel if flying), Goitre, Gout, Grave’s Disease, Grommet(s)               Trip policy, You may also be able to claim for a pro-rata refund of Your
inserted (Glue Ear), Gynaecomastia                                         policy. Please note that You must contact Us promptly regarding the
H Haematoma (external), Haemorrhoidectomy, Haemorrhoids                    change and are responsible for all costs incurred in obtaining any medical
(Piles), Hallux Valgus (Bunion), Hammer Toe, Hay Fever, Hernia             reports required by Us. If You do not contact Us within 7 days of the
(not Hiatus), Herpes Simplex (Cold Sore), Herpes Zoster                    change of circumstance, You will be responsible for any increased costs
                                                                           incurred as a result of the delay in cancelling Your trip and We will only pay
(Shingles), Hip Replacement (no subsequent arthritis and never
                                                                           the costs that would have applied had You cancelled Your trip within 7
any dislocation of a joint replacement), Hives (Nettle Rash),              days of the date of the change of circumstances giving rise to the claim.
Housemaid’s Knee (Bursitis), HRT (Hormone Replacement                      For advice and assistance, please contact the Health Check line.
Therapy), Hyperthyroidism (Overactive Thyroid), Hypospadias,
Hypothyroidism (Underactive Thyroid), Hysterectomy (provided no                               DETAILS OF HEALTH CHECK LINE
malignancy)                                                                CSA Healthline (office hours Mon - Fri: 9am - 5pm, Sat: 10am - 4pm)
I Impetigo, Indigestion, Influenza (full recovery made), Ingrowing         Tel: 0844 826 2700
Toe-nail (Acronyx), Inguinal Hernia, Insomnia, Intercostal
Neuralgia (no admissions), Intertrigo, Irritable Bowel Syndrome
                                                                                   CANCELLATION AND CURTAILMENT RESTRICTIONS
(IBS) (provided definite diagnosis made and no ongoing
                                                                                    RELATING TO THE HEALTH OF NON-TRAVELLERS
investigations)
K Keinboeck’s Disease, Keratoconus, Knee Injury Collateral/                This insurance policy excludes cover for any claims arising directly or
cruciate ligaments, Knee Replacement (no subsequent arthritis              indirectly from a Pre-Existing Medical Condition (unless shown in the
and never any dislocation of a joint replacement), Kohlers                 Automatically Accepted Minor Conditions list) of any person on whom
                                                                           travel depends unless the person’s doctor can state that, at the date of
Disease
                                                                           policy purchase or Trip booking (whichever is later) he/she would have
L Labyrinthitis, Laryngitis, Learning Difficulties, Leptothrix,            seen no substantial likelihood of the patient’s condition deteriorating to
Leucoderma, Lichen Planus, Ligaments (injury), Lipoma                      such a degree to cause a necessary cancellation or Curtailment claim. If
M Macular Degeneration, Mastitis, Mastoidectomy (resolved must             the doctor will not confirm this, any claim arising from a Pre-Existing
be all clear prior to travel if flying), Menopause, Menorrhagia,           Medical Condition will be excluded.
Migraine (provided definite diagnosis made and no ongoing
investigations), Miscarriage, Mole(s), Molluscum Contagiosum,              All claims arising from a terminal prognosis, any set of symptoms where a
Myalgic Encephalomyelitis (ME) (if the only symptom is fatigue             diagnosis has not been made and any Medical Condition for which a
                                                                           non-traveller is on a waiting list for or has knowledge of the need for
and no hospital admissions), Myxoedema
                                                                           surgery, treatment or investigation at a hospital, clinic or nursing home at
N Nasal Infection, Nasal Polyp(s), Nettle Rash (Hives), Neuralgia          the time the policy is purchased or the Trip is booked (whichever is later)
(no hospital admissions), Nosebleed(s), Nystagmus                          are automatically excluded.
O Osgood-schlatter’s Disease, Osteochondritis, Otosclerosis,
Overactive Thyroid
P Parametritis, Pediculosis, Pelvic Inflammatory Disease,
Photodermatosis, Piles, Pityriasis Rosea, Post Viral Fatigue
Syndrome (if the only symptom is fatigue and no hospital
admissions), Pregnancy (provided no complications), Prickly Heat,
Prolapsed Uterus (womb), Pruritis, Psoriasis (no hospital
admissions or consultations)
               SCHEDULE OF COVER AND LIMITS OF INDEMNITY PER INSURED PERSON


                                                                                    PREMIER COVER                                             STANDARD COVER


SECTION   COVER                                               LIMITS                        EXCESS PER INSURED          LIMITS                        EXCESS PER INSURED

   A      Cancellation or Curtailment                         Up to £5,000                  £80                         Up to £1,000                  £80
                                                                                            £100 aged 66 and over                                     £100 aged 66 and over
                                                                                            (all £25 loss of deposit)                                 (all £35 loss of deposit)
   B      Emergency Medical & Other Expenses                  Up to £7,000,000 in total     £80 (£100 if aged 66 and    Up to £3,500,000 in total     £80 (£100 if aged 66 and
          Incl. Dental Treatment Limit                        Up to £250 in total           over)                                                     over)
          Hospital Confinement Benefit                        £25 per 24 hours up           Nil                         £20 per 24 hours up           Nil
                                                              to a max of £200                                          to a max of £160
   C      Personal Accident                                   £20,000                       Nil                         £10,000                       Nil
          Item 1                                              £20,000                                                   £10,000
          Item 2                                              £20,000                                                   £10,000
          Item 3                                              £10,000                                                   £5,000
          Death (over 18 under 66 years)                      £5,000                                                    £3,000
          Death (under 18 over 65 years)                      £5,000                                                    £3,000
          All benefits (66 years and over)                    £5,000                                                    £3,000
   D      Travel Delay                                        £25 first 12 hours,           Nil                         £15 first 12 hours,           Nil
                                                              £25 for each subsequent                                   £15 for each subsequent
                                                              12 hour period up to a                                    12 hour period up to a
                                                              Max of £400                                               Max of £200
          Abandonment after 48 hours                          Up to £5,000                  £80                         Up to £1,000                  £80
          Missed Departure                                    Up to £1,000                  £50                         Up to £500                    £60
   E      Personal Possessions                                Up to a maximum of £1,500     £50                         Up to a maximum of £1,000     £60
          Single Article/Pair/Set Limit                       £250                                                      £200
          Total Valuables Limit                               £250                                                      £200
          Delayed Baggage                                     £50 per day up to £250        Nil                         £50 per day up to £200        Nil
          (excess of 12 hours)
   F      Personal Money                                      Up to £500                    £50                         Up to £300                    £60
          Cash Limit                                          £250                                                      £200
          Cash Limit (under 18 years of age)                  £100                                                      £100
   G      Passport, Tickets & Documents                       Up to £250                    £50                         Up to £250                    £60

   H      Personal Liability                                  Up to £2,000,000              £200                        Up to £1,000,000              £250
          Including Rented Accommodation Limit                £100,000                      £200                        £100,000                      £250
   I      Legal Expenses                                      Up to £25,000                 Nil                         Up to £25,000                 Nil

   J      Hijack                                              £100 per day up to a limit                                £50 per day up to a limit
                                                              of £1,000                     Nil                         of £500                       Nil
   K      Catastrophe                                         Up to £1,000                  £50                         Up to £500                    £60

   L      Scheduled Airline Failure and                       Up to £2,000                  Nil                         Up to £1,000                  Nil
          Dynamic Packaging Protection                        Up to £2,000                  Nil                         Up to £1,000                  Nil

THE FOLLOWING EXTENSIONS TO POLICY ONLY APPLICABLE IF ADDITIONAL PREMIUM HAS BEEN PAID

   M      GOLF COVER EXTENSION

  M1      Golf Equipment                                      Up to £1,500                  £50                         Up to £750                    £60
          Single article/pair/set limit                       Up to £250 in total           £50                         Up to £250 in total           £60
  M2      Golf Equipment Hire                                 £50 per day up to £400        Nil                         £50 per day up to £400        Nil

  M3      Hole-in-one Cover                                   Up to £100 in total           Nil                         Up to £100 in total           Nil

  M4      Golf Course Closure                                 Up to £75 per day up to       Nil                         Up to £75 per day up to       Nil
                                                              £300 in total                                             £300 in total
  N       WINTER SPORTS EXTENSION
  N1      Winter Sports Equipment owned/hired                 Up to £500                    £50                         Up to £300                    £60
          (incl. Single Article/Pair/Set Limit                Up to £200 in total           £50                         Up to £200 in total           £60

  N2      Winter Sports Equipment Hire                        £50 per day up to £500        Nil                         £30 per day up to £300        Nil

  N3      Ski Pack                                            £50 per day up to £500        Nil                         £30 per day up to £300        Nil

  N4      Piste Closure                                       £50 per day up to £500        Nil                         £30 per day up to £300        Nil

  N5      Avalanche Closure                                   Up to £500                    £50                         Up to £300                    £60

   O      WEDDING/CIVIL PARTNERSHIP EXTENSION
          Wedding/Civil Partnership Cover                     Up to £1,500                  £50                         Up to £750                    £60
          Single Item Limit                                   Up to £250                                                Up to £250
          Wedding Ring Limit                                  Up to £300                                                Up to £300
          Unreceipted Items Limit                             Up to £300                                                Up to £300
          Unreceipted Single Item Limit                       Up to £50                                                 Up to £50
  P       BUSINESS COVER EXTENSION
  P1      Business Cover                                      Up to £1,500                  £50                         Up to £750                    £60
          Single Item Limit                                   £500                                                      £200
          Computer Equipment
          Single Item Limit                                   £1,000                                                    £500
          Samples Limit                                       £500                                                      £200
          Unreceipted Items Limit                             Up to £300                                                Up to £300
          Unreceipted Single Item Limit                       £50                                                       £50
          Emergency Courier of Essential Business Equipment   Up to £500                                                Up to £200
          Delayed Business Equipment                          £100 per day up to £300                                   £50 per day up to £200
  P2      Business Equipment Hire                             £150 per day up to £750       Nil                         £150 per day up to £750       Nil

  P3      Business Money                                      Up to £1,000                  £60                         Up to £500                    £60
          Cash Limit                                          Up to £500                                                Up to £200

                PLEASE NOTE REDUCED SUMS INSURED APPLY TO CERTAIN AGE GROUPS, POLICY EXCESSES ARE APPLIED ON A PER PERSON PER CLAIM BASIS



                                             For helpful contact numbers please see the last page of policy wording
               SCHEDULE OF COVER AND LIMITS OF INDEMNITY PER INSURED PERSON


                                                                                    AFFINITY COVER                                            BACKPACKER COVER


SECTION   COVER                                               LIMITS                        EXCESS PER INSURED          LIMITS                          EXCESS PER INSURED

   A      Cancellation or Curtailment                         Up to £5,000                  £80                         Up to £1,000                    £80
                                                                                            £100 aged 66 and over
                                                                                            (all £25 loss of deposit)                                   (£35 loss of deposit)
   B      Emergency Medical & Other Expenses                  Up to £7,000,000 in total     £80 (£100 if aged 66 and    Up to £2,500,000 in total       £80
          Incl. Dental Treatment Limit                        Up to £250 in total           over)                       Up to £250 in total             £80
          Hospital Confinement Benefit                        £25 per 24 hours up           Nil                         £20 per 24 hours up             Nil
                                                              to a max of £200                                          to a max of £200
   C      Personal Accident                                   £20,000                       Nil                         £5,000                          Nil
          Item 1                                              £20,000                                                   £5,000
          Item 2                                              £20,000                                                   £5,000
          Item 3                                              £10,000                                                   £5,000
          Death (over 18 under 66 years)                      £5,000                                                    £5,000 over 18 under 49 years
          Death (under 18 over 65 years)                      £5,000                                                    £3,000 under 18 years
          All benefits (66 years and over)                    £5,000
   D      Travel Delay                                        £25 first 12 hours,           Nil                         £20 first 12 hours,             Nil
                                                              £25 for each subsequent                                   £20 for each subsequent
                                                              12 hour period up to a                                    12 hour period up to a
                                                              Max of £400                                               Max of £200
          Abandonment after 48 hours                          Up to £5,000                  £80                         Up to £1,000                    £80
          Missed Departure                                    Up to £1,000                  £50                         Up to £500                      £75
   E      Personal Possessions                                Up to a maximum of £1,500     £50                         Up to a maximum of £1,000       £75
          Single Article/Pair/Set Limit                       £250                                                      £150
          Total Valuables Limit                               £250                                                      £150
          Delayed Baggage                                     £50 per day up to £250        Nil                         £50 per day up to £200          Nil
          (excess of 12 hours)
   F      Personal Money                                      Up to £500                    £50                         Up to £300                      £75
          Cash Limit                                          £250                                                      £100
          Cash Limit (under 18 years of age)                  £100                                                      £100
   G      Passport, Tickets & Documents                       Up to £250                    £50                         Up to £200                      £75

   H      Personal Liability                                  Up to £2,000,000              £200                        Up to £1,000,000                £300
          Including Rented Accommodation Limit                £100,000                      £200                        £100,000                        £300
   I      Legal Expenses                                      Up to £25,000                 Nil                         Up to £25,000                   Nil

   J      Hijack                                              £100 per day up to a limit                                £50 per day up to a limit
                                                              of £1,000                     Nil                         of £500                         Nil
   K      Catastrophe                                         Up to £1,000                  £50                         Up to £500                      £75

   L      Scheduled Airline Failure and                       Up to £2,000                  Nil                         Up to £1,000                    Nil
          Dynamic Packaging Protection                        Up to £2,000                  Nil                         Up to £1,000                    Nil

THE FOLLOWING EXTENSIONS TO POLICY ONLY APPLICABLE IF ADDITIONAL PREMIUM HAS BEEN PAID

  M       GOLF COVER EXTENSION                                                                                          NIL                             NIL
  M1      Golf Equipment                                      Up to £1,500                  £50
          Single article/pair/set limit                       Up to £250 in total           £50
  M2      Golf Equipment Hire                                 £50 per day up to £400        Nil

  M3      Hole-in-one Cover                                   Up to £100 in total           Nil

  M4      Golf Course Closure                                 Up to £75 per day up to       Nil
                                                              £300 in total
  N       WINTER SPORTS EXTENSION
  N1      Winter Sports Equipment owned/hired                 Up to £500                    £50                         Up to £300                      £75
          (incl. Single Article/Pair/Set Limit                Up to £200 in total           £50                         Up to £300 in total             £75

  N2      Winter Sports Equipment Hire                        £50 per day up to £500        Nil                         £30 per day up to £300          £75

  N3      Ski Pack                                            £50 per day up to £500        Nil                         £30 per day up to £300          Nil

  N4      Piste Closure                                       £50 per day up to £500        Nil                         £30 per day up to £300          Nil

  N5      Avalanche Closure                                   Up to £500                    £50                         Up to £300                      £75

   O      WEDDING/CIVIL PARTNERSHIP EXTENSION                                                                           NIL                             NIL
          Wedding/Civil Partnership Cover                     Up to £1,500                  £50
          Single Item Limit                                   Up to £250
          Wedding Ring Limit                                  Up to £300
          Unreceipted Items Limit                             Up to £300
          Unreceipted Single Item Limit                       Up to £50
  P       BUSINESS COVER EXTENSION                                                                                      NIL                             NIL
  P1      Business Cover                                      Up to £1,500                  £50
          Single Item Limit                                   £500
          Computer Equipment
          Single Item Limit                                   £1,000
          Samples Limit                                       £500
          Unreceipted Items Limit                             Up to £300
          Unreceipted Single Item Limit                       £50
          Emergency Courier of Essential Business Equipment   Up to £500
          Delayed Business Equipment                          £100 per day up to £300
  P2      Business Equipment Hire                             £150 per day up to £750       Nil

  P3      Business Money                                      Up to £1,000                  £60
          Cash Limit                                          Up to £500

                PLEASE NOTE REDUCED SUMS INSURED APPLY TO CERTAIN AGE GROUPS, POLICY EXCESSES ARE APPLIED ON A PER PERSON PER CLAIM BASIS




                                             For helpful contact numbers please see the last page of policy wording
                                                                         HAZARDOUS ACTIVITIES
The following sporting activities when participated in for recreational purposes incidental to     The following activities are examples of what are known as ‘Hazardous Pursuits’ and are
a trip and not in organized competitions or in any professional capacity are not considered        not covered by this insurance unless an additional premium has been paid and the
to be Hazardous Pursuits.                                                                          validation certificate shows the cover has been provided:

Hazardous Activities – Grade 1 – No additional charge                                              Hazardous Activities – Grade 2 – 50% Loading to cover all activities
You are covered under the Personal Accident, Personal Liability (unless otherwise                  You can be covered under the Personal Accident and Medical Expenses Sections for the
specifically excluded under this section) and the Medical Expenses Sections for the                following activities, provided that the activity is on an incidental basis (unless stated
following activities automatically, provided that the activity is on an incidental basis. You do   otherwise below) and subject to an additional premium being paid and shown on the
not need to contact your issuing agent.                                                            validation certificate.

Archery (amateur)                                                                                  Medical Excess                   Personal Accident                 Personal Liability cover
Badminton (amateur)                                                                                Increased to £320                sum insured reduced               is excluded
Baseball (amateur)                                                                                                                  by 50%
Basketball (amateur)
Beach Games                                                                                        Boxing Training (no contact)
Bungee Jump (1)                                                                                    Bungee Jump (up to 3 additional)
Camel/Elephant Riding (incidental)                                                                 Black Water Rafting (grade 1 to 4) Life jacket and helmet must be worn
Canoeing (up to Grade 3)                                                                           Camel/Elephant Riding/Trekking (non incidental)
Clay Pigeon Shooting                                                                               Cycle Touring
Cricket (amateur)                                                                                  Go Karting (specific use)
Cycling (other than specified)                                                                     Horse Riding (no Polo, Hunting or Jumping)
Dinghy Sailing                                                                                     Hot Air Ballooning (non incidental)
Fell Walking                                                                                       Hurling (amateur)
Fencing                                                                                            Jet Skiing (non incidental)
Fishing                                                                                            Martial Arts (training only)
Football (amateur)                                                                                 Mountain Biking
Golf (amateur)                                                                                     Parascending/Parasailing (over water, non incidental)
Hiking (under 2000m altitude)                                                                      Rambling/Trekking between 2001 and 4000m
Hockey (amateur)                                                                                   Safari (non UK organised)
Horse Riding (up to 7 days – no Polo, Hunting, Jumping)                                            *Scuba Diving (non incidental/down to 50m – see notes below)
Jet Boating                                                                                        Sea Canoeing
Jogging                                                                                            Sea Fishing (non incidental)
Manual Work (bar and restaurant, waitress, waiter, chalet, maids, au pair, nanny’s,                Snorkelling (non incidental)
occasional light manual work including retail work and fruit picking but excluding the use         Surfing (amateur)
of power tools and machinery)                                                                      Triathlon
Marathon Running (amateur)                                                                         Waterskiing( non incidental)
Motorcycling up to 50cc (wearing a crash helmet, no racing)                                        White Water Rafting – Grades 1 to 4 Windsurfing (non incidental)
Netball (amateur)                                                                                  *Scuba diving to the following depths, provided You are diving under the direction of an
Non Manual Work (including professional, administrative or                                         accredited dive marshal, instructor or guide. Alternatively, if qualified, within the guideline
clerical duties only)                                                                              of the relevant diving or training agency or organisation and You are not diving alone:
Orienteering                                                                                       PADI Open Water – 18 metres
Outwardbound Pursuits                                                                              PADI Advanced Open Water – 30 metres
Paintballing                                                                                       BSAC Ocean Diver – 20 metres
Parascending/Parasailing (over water)                                                              BSAC Sports Diver – 35 metres
Pony Trekking                                                                                      BSAC Dive Leader – 50 metres
Racquetball                                                                                        We must agree with any equivalent qualification. If You do not hold a qualification, We
Rambling                                                                                           will only cover You to dive to a depth of 18 metres.
River Canoeing up to Grade 3                                                                       You will not be covered under this policy if You travel by air within 24hrs after
Roller Skating                                                                                     participating in scuba diving.
Roller Blading
Rounders                                                                                           Hazardous Activities – Grade 3 – 100% Loading to cover all activities
Rowing                                                                                             You can be covered under the Personal Accident and Medical Expenses Sections for the
Running – sprint/long distance (amateur)                                                           following activities, provided that the activity is on an incidental basis (unless stated
Safari (UK organised)                                                                              otherwise below) and subject to an additional premium being paid and shown on the
Sail Boarding                                                                                      validation certificate.
Sailing within Territorial Waters
*Scuba Diving (up to 30m if adequately supervised with a qualified instructor – see notes          Medical Excess                   Personal Accident                 Personal Liability cover
below)                                                                                             Increased to £650                sum insured reduced               is excluded
Skate Boarding                                                                                                                      by 50%
Snorkelling
Squash (amateur)                                                                                   Abseiling
Surfing (amateur under 14 days)                                                                    American Football (amateur)
Tennis (amateur)                                                                                   Gliding
Tour Operator Safari                                                                               Kayaking
Track Events                                                                                       Motorcycling with a licence (over 50cc, with a motorcycle licence appropriate to the cc of
Trekking (under 2000m altitude)                                                                    the motorcycle, wearing a crash helmet-no racing)
Volleyball (amateur)                                                                               Paragliding
War Games                                                                                          Quad Biking
Water Polo (amateur)                                                                               Rugby (amateur competition)
Water Skiing (amateur)                                                                             Tandem Skydive (up to 2 jumps maximum)
Windsurfing (amateur)                                                                              Sand Yachting
Yachting (racing/crewing inside territorial waters)                                                Yachting (racing/crewing) – outside territorial waters
*Scuba diving to the following depths, provided You are diving under the direction of an
accredited dive marshal, instructor or guide. Alternatively, if qualified, within the guideline    Hazardous Activities – Grade 4 – 200% Loading to cover all activities
of the relevant diving or training agency or organisation and You are not diving alone:            You can be covered under the Personal Accident and Medical Expenses Sections for the
PADI Open Water – 18 metres                                                                        following activities, provided that the activity is on an incidental basis (unless stated
PADI Advanced Open Water – 30 metres                                                               otherwise below) and subject to an additional premium being paid and shown on the
BSAC Ocean Diver – 20 metres                                                                       validation certificate.
BSAC Sports Diver – 30 metres
BSAC Dive Leader – 30 metres                                                                       Medical Excess                   Personal Accident                 Personal Liability cover
We must agree with any equivalent qualification. If You do not hold a qualification, We will       Increased to £650                sum insured reduced               is excluded
only cover You to dive to a depth of 18 metres.                                                                                     by 50%
You will not be covered under this policy if You travel by air within 24hrs after
participating in scuba diving.                                                                     Canyoning
                                                                                                   Hand Gliding
Cover for the following activities that are considered to be Hazardous Pursuits is included        High Diving under 5m (amateur, excluding cliff diving)
for recreational purposes only and not for competitions or any professional activity subject       Horse Jumping (no Polo, Hunting)
to the following endorsement: The exclusion of Hazardous Pursuits in the General                   Kite Surfing Micro Lighting
Exclusions is deleted only with respect to cover under Section B Medical and Other                 Parasailing/Parascending (over land) Rock Climbing (under 2000 metres)
Expenses and under Section A Curtailment cover (but not cancellation) for participation in         Rock Scrambling (under 4000 metres)
the following Hazardous Pursuits on a non-professional (amateur) and recreational basis
provided that You ensure the activity is adequately supervised and that appropriate
safety equipment (such as protective head wear, life jackets etc.) are worn at all times and
You do not participate in such Hazardous Pursuits for more than 90 days in any one
Period of Insurance.
                              DEFINITIONS                                       Period of Insurance -The validation certificate will show the issue date and
                                                                                start date and duration (or end date) of Your policy being the period of cover
The following words or expressions carry the meaning shown below                You are insured for. The time that cover for particular sections starts and ends
whenever they appear in bold print within the wording of the policy. There      is given in more detail below:- For single trips, cancellation cover starts when
are also more specific definitions which apply only to the Legal Expenses       You book Your trip or when the policy was issued (whichever is the later) and
and Scheduled Airline Failure section of this policy:-                          finishes when You start Your Outward Journey. For Annual Multi Trips,
Accommodation - The lodging room of no greater standard than that               cancellation cover starts when You book the trip or on the start date of the
provided as part of Your prepaid charges in the vicinity of the hospital        policy(whichever is the later). Cover under all other sections begins when You
where the Insured Person is confined.                                           start Your Outward Journey and ends upon Your return home from the trip.
Advanced Booking - Any booking made at least 24 hours prior to the              Your Outward and Return Journey must take place during the period of cover
scheduled departure time shown on Your ticket.                                  shown on the validation certificate and for which the correct premium has been
Business Associate - Your associate in the same employment as You               paid. If You have chosen an Annual Multi Trip Insurance the Outward and
whose absence from work necessitates You having to cancel Your trip as          Return Journey must take place during the start and end date shown on the
                                                                                validation certificate. On Annual Multi Trip policies, the total duration of any one
certified by Your Senior Director or partner.
                                                                                trip is limited to a maximum of 31 days or as otherwise shown on the validation
Business Equipment - means items used by You in support of Your
                                                                                certificate and any trip exceeding this duration will not be covered in whole or
business activity including office equipment which is portable by design        in part. Trips within the British Isles must involve at least 2 nights pre-booked
including, but not restricted to, personal computers, telephones and            accommodation away from Your normal place of residence or involve a sea
calculators.                                                                    crossing or flight in order to be insured by this policy.
Business Money - means bank notes, currency, notes and coins in
current use, travellers’ and other cheques, travel tickets and credit/debit     Personal Possessions - Baggage, clothing, personal effects including
or charge cards all held for business purposes.                                 Valuables and gifts purchased outside the United Kingdom, subject to
Business Trip – means a trip taken wholly or in part for business purposes      the limits and exclusions detailed under Section E.
but excluding manual work.                                                      Pre-Existing Medical Condition(s) - Any Medical Condition for which
Close Relative - Mother, father, wife, husband, son, daughter, brother,         You have been taking regular medication for at least 6 months; or any
sister, grandmother, grandfather, grandchild, parent-in-law or son or           Medical Condition for which You have seen a specialist or been
daughter-in-law or fiancé(e) or families and couples as defined under           admitted to a hospital overnight in the last 12 months; or any breathing or
definition of Family.                                                           heart problem (including angina or high blood pressure), blood disorder,
                                                                                stroke, cancer, leukaemia or tumour, psychiatric illness, stress,
Curtail / Curtailment - Abandonment of the planned trip by return to the        depression, anxiety or dementia which are has required treatment
United Kingdom after commencement of the Outward Journey. The                   (including regular medication) in the last 12 months; any transplant or
amount payable will be the unused proportion of Your irrecoverable              dialysis treatment (including regular medication) that has been required in
pre-paid charges calculated from the date of Your return to the United          the last 12 months.
Kingdom. All Curtailment claims will need authorisation from Us in              Return Journey - The initial journey by motor transport, train, aircraft or
advance.                                                                        watercraft undertaken in conjunction with the trip in respect of the inbound
Excess - The amount You will have to pay towards the cost of each claim         journey to Your home address or a hospital or nursing home in the United
under the policy after the application of the policy limits.                    Kingdom.
Family – The Insured and his/her married spouse, or cohabiting couples          Sports Equipment - Those articles which are usually worn, carried or held
(including same sex) in a civil partnership and unmarried dependent             in the course of participating in a recognised sport.
children (including adopted and step-children) aged between 2 and 18 (or        Strike Or Industrial Action – Organized action taken by a group of
under age 21 if in full-time education) living in the same household            workers which prevents the supply of goods and services on which Your
(except children when attending full-time education). Children are covered      trip depends.
(with no additional premium) until the end of the policy period in which they   Terrorism - An act, including but not limited to the use of force or violence
reach the age of 2.                                                             and/or the threat thereof, of any person or group(s) of persons, whether
Geographical Area - The area or country shown on Your validation                acting alone or on behalf of or in connection with any organisation(s) or
certificate and for which the appropriate premium has been paid and will        government(s), committed for political, religious, ideological or similar
involve Your return to the United Kingdom within the Period of                  purposes including the intention to influence any government and/or to put
Insurance.                                                                      the public, or any section of the public, in fear.
Golfing Equipment - golf clubs, trolleys, bags and specialised clothing         Unattended - means left away from Your person where You are unable to
and umbrellas used exclusively for playing or practicing golf, but excluding    clearly see and get hold of Your Personal Possessions or Money or
balls, tees, gloves and buggies.                                                Passports, Tickets and Documents.
Hazardous Activites - Any pursuit or activity where it is recognised there      United Kingdom England, Scotland, Wales, Northern Ireland and the Isle
is an increased risk of injury or accident or can be reasonably expected to     of Man.
aggravate any existing infirmity (please see part 3 of the Important            Valuables - Jewellery, articles made of gold silver or other precious
Information detailed below for examples).                                       metals, precious or semi-precious stones, watches, binoculars, telescopes,
Hijack - The unlawful seizure or wrongful exercise of control of the aircraft   photographic equipment, electronic audio or video equipment including
or ship [or the crew thereof] in which You are travelling as a fare-paying      tapes, compact discs, cartridges, discs, MP3 or mini-disc players and any
passenger.                                                                      computer equipment including software, musical instruments, furs, or
Medical Condition - any condition, disease, injury, set of symptoms or          leather clothing, but excluding footwear.
sickness as diagnosed and confirmed by a medical practitioner which is not      We / Our / Us – ETI International Travel Protection (ETI) the UK branch of
a Pre-existing Medical Condition unless the Pre-Existing Medical                Europäische Reiseversicherung AG, Munich.
Condition has been disclosed to Us and accepted in writing by Us.               You / Your - Any person named on the validation certificate who is eligible
Mugging - The violent and threatening attack necessitating Your medical         to be Insured and for whom premium has been paid.
treatment.
Manual Work - Physical labour involving the use of tools or machinery or         IMPORTANT INFORMATION AND CONDITIONS APPLYING TO ALL
exposure to risk that could give rise to Your bodily injury or illness. Money                         SECTIONS
- cash taken for private purposes comprising cash only. Necessary               1. LIMIT OF COVER
Medical Expenses – Costs arising from unavoidable medical treatment             Each section of the personal insurance schedule shows the most You can
that is required as a result of a new illness or injury that arises after You   claim, but other limits may apply. For example, under Section E (Personal
have started Your Outward Journey and which could not be reasonably             Possessions), there is a limit for any single item and a total limit for all
anticipated as being required during the period of Your trip at the time You    Valuables. We will work out how much We will pay You for baggage claims
started the Outward Journey. Necessary medical treatment must be                based on the value of the items at the time of the loss, not the cost of
appropriate and consistent with the diagnosis made and in accordance            replacing them.
with accepted community standards of medical practice and as agreed by
Our medical advisors and is not experimental or investigative and cannot        Please note that if the schedule of cover shows NIL cover then that
be reasonably delayed until You are returned to the United Kingdom.             section of the policy is not applicable to the insurance cover You
PLEASE ALSO REFER TO IMPORTANT DECLARATION PRE-                                 have purchased.
EXISTING MEDICAL CONDITIONS
Outward Journey - The initial journey by motor transport, train, aircraft or
watercraft undertaken in conjunction with the trip in respect of the outbound
journey from Your home address in the United Kingdom.
Passports, Tickets And Documents - Passports, travel tickets, green
cards and driving licences.
2. LOOKING AFTER YOUR BELONGINGS                                                    9. COOLING OFF PERIOD
Many claims for loss or theft are caused by people being careless with              This Insurance is designed to cover most circumstances but You should
their belongings. If You do not take good care of Your belongings, it can           be aware that not all eventualities are insured. Please read this document
be upsetting and inconvenient for You and We may not pay Your claim.                carefully. If You find the Insurance does not meet Your requirements
                                                                                    please return this policy and proof of premium to the selling agent within
3. HAZARDOUS ACTIVITIES                                                             14 days of receipt but before the trip departure date. Provided no claim
You are not covered for taking part in any Hazardous Activity unless it is          has been made Your premium will be refunded in full.
listed on the previous page. If You are going to take part in any activity
which may be considered dangerous or hazardous that is not detailed on              10. ABOUT THE COVER AND CONDITIONS
the previous page please contact the selling agent who will contact Us to           This is Your contract of insurance. It contains certain conditions in each
see if We can provide cover. Please note that under Section H (Personal             section and General Exclusions to all sections. You must meet the
Liability) You will not be covered for liability caused directly or indirectly by   conditions or We will not accept Your claim. Please read all of this policy
Your owning or using any firearms or weapons, animal, aircraft, motorised           carefully, especially the Important Declaration. When You book Your trip,
vehicle, boat and other watercraft, or any form of motorised leisure                You must declare any information We ask for in the declaration. If You do
equipment, including jet skis and snowmobiles.                                      not contact the selling agent or Us within 14 days of the date You receive
                                                                                    this insurance policy We will assume that You accept the terms and
.4. DATE RECOGNITION FAILURE                                                        conditions of this insurance policy and can make the declaration set out.
This policy contains exclusions for losses arising from equipment failing to        This policy is only valid if You also have a schedule of cover and
recognize the correct calendar date. Please read the General Exclusions             validation certificate showing all names of persons insured, their ages, the
Applying to All Sections for further details.                                       dates of cover and the correct premium has been paid. The policy
                                                                                    describes the cover provided for You and the conditions which Your cover
5. EXCESSES                                                                         depends on. You must keep the policy, schedule of cover and validation
We will take an Excess off each claim You make under certain sections of            certificate and send them to Us if You make a claim. In return for the
this insurance. The amount You will have to pay towards a claim is shown            correct premium, Insurers will pay You or Your personal representative if
in the schedule. The Excess is applied on a per person per section basis.           You make a valid claim. You must keep to the terms, conditions and
If We agree to a medical expenses claim (section B) which has been                  declaration of this insurance.
reduced by Your using an EHIC or private health insurance, the Excess               Single Trip Insurance this insurance is designed to cover round trips
will not apply.                                                                     departing and finishing at Your usual home or business place in the United
                                                                                    Kingdom. One-way trips of up to 17 days are restricted to the cover and
6. MAKING A CLAIM                                                                   conditions that would have applied as if You had arranged to return to Your
To help Us deal with Your claim quickly and efficiently, please read the            usual home or place of business in the United Kingdom. Cover is not
claims procedure below (see WHAT TO DO IF YOU WISH TO MAKE A                        operative in the country of Your final destination.
CLAIM). This explains what documents You will need to support a claim               Annual Multi Trip Insurance covers You for any number of trips taking
and when You will need this kind of proof. You must collect some of the             place during the dates of cover shown on the validation certificate. These
proof You need, for example a police report, while You are on Your trip.            trips must involve an Outward and Return Journey being completed
                                                                                    during the maximum permitted trip duration of 31 days unless otherwise
7. WHAT TO DO IN A MEDICAL EMERGENCY                                                stated on the validation certificate. If the intended trip exceeds the
In a medical emergency, contact the Assistance Company shown on the                 maximum permitted trip duration it will not be covered in whole or in part.
Schedule of Cover for help. Please read the policy for details. If You are          Trips within the United Kingdom must involve at least 2 nights pre-booked
admitted to hospital or need to Curtail Your trip You must contact the              accommodation away from Your normal place of residence or involve a
Assistance Company for authorization before incurring any expenses or               sea crossing or flight in order to be insured by this policy.
We may not pay Your claim. Simple outpatient treatment costing less than            Extension of Cover If You request any extension of the Period of
£250 should be paid locally and claimed for on Your return to the United            Insurance after the commencement of travel You must advise Us of any
Kingdom.                                                                            circumstances which at the time of such request could reasonably be
                                                                                    expected to cause a claim under this policy.
IMPORTANT: Please quote the scheme name and number together with
Your validation certificate number. The Assistance Company provides                 11. RECIPROCAL HEALTH AGREEMENT – EU COUNTRIES
immediate help in the event of Your illness or injury arising outside the           If You intend travelling to European Economic Area (EEA) country or
United Kingdom – they provide a 24 hour multi-lingual emergency                     Switzerland, You should either obtain from Your local Post Office
service 365 days a year and can be contacted by telephone or fax. Should            European Health Insurance Card (EHIC) application pack or apply online
a serious medical problem arise You must contact the Assistance                     at www.dh.gov.uk/travellers which when completed will entitle You to
Company within 24 hours. You are responsible in advising Your attending             certain free health arrangements in EEA countries and Switzerland. You
doctor to seek prior approval for any treatment except in extreme                   should take the EHIC with You and make sure that wherever possible any
circumstances where a request for prior approval would delay life saving            medical treatment is provided at hospitals or by doctors working within the
treatment. Failure to contact the Assistance Company may limit the                  terms of the Reciprocal Healthcare Agreement unless the Medical
benefits payable, or in certain circumstances, cover will not be provided.          Assistance Company agrees otherwise.
When You call upon the services of the Assistance Company it is a                   If You are admitted to a private clinic You will be transferred to a public
condition of the service that they shall solely be responsible for all              hospital as soon as the transfer can be arranged safely. Private medical
decisions on the most suitable and reasonable solution to any medical               treatment costing in excess of £250 not specifically authorised by Our 24
problem. The service includes, where necessary:                                     hour Medical Assistance Company will not be insured by this policy.
     1. Multi-lingual assistance with hospitals and doctors
     2. Repatriation arrangements and necessary escorts by a medical                12. CLAIMS YOUR DUTIES
     attendant                                                                      (a) You must advise Us of any occurrence that may give rise to a claim
     3. Travel arrangements for other members of Your party or next-of-kin          in writing as soon as is reasonably possible after the date of such
     4. On arrival in the United Kingdom, an ambulance service to                   occurrence and shall supply to Us all such accounts and other documents
     hospital or home.                                                              as We may reasonably require. Any expenses incurred because of an
                                                                                    unreasonable delay in notifying Us will not be paid.
PLEASE NOTE: We are not responsible for the availability, quality or
                                                                                    (b) You must give Us notice in writing immediately You or Your legal
results of any medical treatment received by You whilst travelling. Please
                                                                                    representatives have knowledge of any impending prosecution, inquest or
refer to Exclusions Applying to Sections A, B & C.
                                                                                    fatal injury inquiry in connection with any occurrence of which there may
                                                                                    be liability under Section H of this policy
8. INSURERS
                                                                                    (c) You must inform the police of all loss or theft of property within 48
Sections A to K and M to P are underwritten by ETI International Travel
                                                                                    hours of discovery of such loss or theft and obtain a copy of the police
Protection (ETI) the UK branch of Europäische Reiseversicherung AG, Munich.
                                                                                    report in support of any claim.
ETI is licensed by the Bundesanstalt für Finanzdienstleistungsaufsicht
                                                                                    (d) If Personal Possessions or Golfing or ski equipment are lost or
(www.bafin.de) and approved by the Financial Services Authority
(www.fsa.gov.uk) to undertake insurance business in the UK. Section L is            damaged whilst in the custody of a carrier (i.e. airline, railway, shipping
underwritten by a consortium of Association of British Insurers member              company, bus company. etc), You must notify such carrier immediately
Companies and Lloyds Syndicates.                                                    and obtain a copy of their report.
                                                                                    (e) You must at all times act in a reasonable manner to prevent or
                                                                                    minimize a claim.
13. CLAIMS OUR RIGHTS                                                            •    Telephone the claims number shown on the last page of the policy
(a) No admission, offer or promise of payment or indemnity will be made               wording as soon as
or given by You or on Your behalf without Our written consent.                        You know that there is a possibility of Your journey not taking place.
(b) We will be entitled to take over and conduct in Your name the                •    Obtain authorisation from the 24 Hour Medical Emergency Service or from
defence or settlement of any claim or to prosecute in Your name to Our                Us before incurring any expenses in Curtailing Your holiday.
own benefit in respect of any claim for indemnity or damages or otherwise,
and will have full discretion in the conduct of any proceedings or in the        MEDICAL AND OTHER EXPENSES
settlement of any claim and You must give all such information and               PLEASE SEE WHAT TO DO IN THE EVENT OF A SERIOUS MEDICAL
assistance as We may require.                                                    EMERGENCY FOR CASES INVOLVING MORE THAN SIMPLE
(c) In case of illness or injury We may approach any doctor who may              OUTPATIENT TREATMENT.
have treated You during the period of three years prior to the claim, and        •  You must keep receipts or accounts for all expenses incurred.
We may at Our own expense and upon reasonable notice to You or Your              •  You should pay the hospital/clinic/doctor for routine or simple out
legal personal representative, arrange for You to be medically examined             patient treatment and claim back on Your return to the United
as often as required, or in the event of death have a post mortem                   Kingdom. If You think the level of treatment is excessive or costs are
examination of Your body.                                                           likely to exceed £250 please consult the 24 Hour Medical Emergency
(d) You must supply at Your own expense a Doctor’s certificate in the               Service for guidance.
form required by Us in support of any medical related claim.
                                                                                 PERSONAL ACCIDENT
14. FRAUD                                                                        •  Obtain a medical certificate from the treating Medical Practitioner.
If any person makes any misrepresentation or concealment in obtaining            •  In the event of a death We will require a death certificate.
this policy or in support of any claim the insurance by this policy will be
void.                                                                            DELAY
                                                                                 •  Obtain a letter from the airline, railway company or shipping line, or
15. OTHER INSURANCES                                                                their handling agent, confirming the reason for the delay and detailing
We will not be liable in respect of any claim where the event leading to the        the scheduled and actual departure times.
claim is insured by any other existing policy or policies, except in respect
of any amount beyond that which is payable under such other policy or            PERSONAL POSSESSIONS & SPORTS EQUIPMENT
policies.                                                                        •  For all loss or damage in transit claims, including delayed Personal
                                                                                    Possessions report to the airline, railway or shipping line, or their
16. PRECEDENTS TO LIABILITY                                                         handling agents and obtain a written report from them before leaving
The due observance and fulfilment of the terms, provisions and conditions           the baggage reclaim area.
and endorsements of this policy in so far as they relate to anything to be       •  For all damage claims obtain an estimate for repairs.
done or complied with by You will be a condition precedent to Our liability      •  In all circumstances, You must retain receipts or vouchers for items
to make any payment.                                                                lost or damaged as these will help You to substantiate Your claim.
                                                                                 •  In the case of lost or misplaced Personal Possessions on the
17. JURISDICTION                                                                    Outward Journey, You must produce receipts for the purchase of
This insurance shall solely be subject to English Law and the jurisdiction          essential replacement items.
of the English courts.                                                           •  You must report all theft or losses to the police within 48 hours of
                                                                                    discovery and obtain a written police report. Also report to Your
18. DATA PROTECTION                                                                 courier or hotel/apartment manager whenever it is appropriate.
ETI – International Travel Protection will use the information supplied
during the formation and performance of this policy for policy                   MONEY, PASSPORTS, TICKETS or DOCUMENTS
administration, customer services, paying claims and fraud prevention. ETI       •  You must report all theft or losses to the police within 48 hours of
may disclose this information to our service providers and both You and             discovery and obtain a written police report. Also report to Your
Our agents for these purposes. We will keep this information for a                  courier or hotel apartment manager whenever it is appropriate.
reasonable period. Where sensitive personal data has been disclosed,             •  You must enclose confirmation from Your bank or bureau de change
including any medical or criminal record information, ETI will also use this        of the issue of foreign currency. In the case of sterling You must
information for the above purposes. ETI may also transfer certain                   produce documentary evidence.
information to countries that do not provide the same level of data              •  For a lost or destroyed Passport You need to supply Us with a letter
protection as the UK for the above purposes. A contract will be in place to         from the Consulate where the loss was reported and retain all receipts
ensure the information transferred is protected. Individuals whose                  that relate to the necessary costs in replacing the Passport.
information has been supplied to ETI have a right to ask for a copy of that
information and to have any inaccuracies corrected. ETI may record               PERSONAL LIABILITY
telephone calls to make sure it follows instructions correctly and for staff     •     You must supply full details of the circumstances giving rise to the
training purposes. When personal or sensitive data is supplied to ETI about      claim plus any supporting evidence.
third parties other than the insured, both during the formation and              •     You must give Us notice in writing immediately You or Your legal
performance of this policy, ETI assumes that those third parties consent to      representatives have knowledge of any impending prosecution, inquest or
the supply of this information to ETI, to ETI processing this data, including    fatal injury inquiry in connection with any occurrence for which there may
sensitive personal data, and to the transfer of their information abroad. ETI    be liability under Section H of this policy.
will also assume that the supplier of the information is authorised to
receive, on their behalf, any data protection notices.                           LEGAL EXPENSES
                                                                                 •  You must notify Us within 180 days of the event giving rise to Your
WHAT TO DO IF YOU WISH TO MAKE A CLAIM                                              claim in respect of Legal Expenses.
You will find on the schedule of cover details of the telephone number to
contact in event of a claim.                                                     ALL OTHER SECTIONS
                                                                                 •    You must notify Us within 30 days of the event giving rise to Your
      PLEASE NOTE FAILURE TO OBSERVE THE FOREGOING                               claim with full documentary support.
         REQUIREMENTS WILL INVALIDATE ANY CLAIM                                  However, in respect of Section L - Scheduled Airline Failure and Dynamic
                                                                                 Packaging Protection, You must notify International Passenger Protection
Please keep this travel insurance policy in a safe place and carry it with       Claims Office within 14 days of the failure.
You when You go on Your Trip.
                                                                                 GENERAL EXCLUSIONS APPLYING TO ALL SECTIONS
CANCELLATION OR CURTAILMENT
If You cancel Your trip for medical reasons obtain a claim form. Your own        We shall not be liable for:
medical practitioner should complete the certificate on the reverse of the       1. Claims directly or indirectly occasioned by, happening through or in
claim form. If the trip is Curtailed for medical reasons obtain a medical        consequence of war, invasion, acts of foreign enemy, hostilities or warlike
certificate from the treating Medical Practitioner in the locality where the     operation (whether war be declared or not), civil war, mutiny, military rising,
incident occurred You must:                                                      insurrection, rebellion, revolution, military or usurped power.
•     Keep receipts or account for all expenses incurred                         2. Any losses that are not directly associated with the incident that caused
•     In the event of cancellation immediately notify the Tour Operator or the   You to claim. For example, loss of earnings due to being unable to return
      Travel Agency where Your trip was booked and obtain a cancellation         to work following injury or illness happening whilst on a trip or the cost of
      invoice                                                                    replacing locks in the event that keys are lost whilst on trip.
3. Damage to, or loss or destruction of any property or any loss or expense      SPECIFIC EXCLUSIONS APPLYING TO SECTION A
whatsoever arising indirectly caused by or contributed to, by or arising
from:                                                                            What is not covered:
(a) ionising radiation or contamination by radioactivity from any nuclear        1. Any expense following Your disinclination to travel or to continue with
     fuel or from any nuclear waste from the combustion of nuclear fuel          Your trip or loss of enjoyment on Your trip.
(b) the radioactive toxic, explosive or other hazardous properties of any        2. Any expense arising from circumstances which could reasonably have
     explosive nuclear assembly or nuclear component of such assembly            been anticipated at the time You booked Your trip or purchased cover,
4. Loss, destruction or damage directly occasioned by pressure waves             whichever is the later.
caused by aircraft and other aerial devices travelling at sonic or supersonic    (see also the Exclusions applying to Sections A, B and C)
speeds.
5. Claims arising from flying or aerial activity of any kind (other than as a    SECTION B – EMERGENCY MEDICAL & OTHER EXPENSES
fare paying passenger in a fully licensed passenger carrying aircraft).          What is covered:
6. Claims arising directly or indirectly from Your wilful, malicious or          If You sustain actual bodily injury or suffer an unforeseen new illness
unlawful acts or whilst under the influence of alcohol or drugs.                 outside the United Kingdom We will indemnify You up to the amount
7. Claims arising directly or indirectly from Hazardous Pursuits unless          stated in the schedule against the following expenses which You
declared to Us and accepted by Us by written endorsement (an additional          necessarily incur outside the United Kingdom:
premium may be payable).                                                         1. Necessary Medical Expenses including hospital charges and in-
8. Any claim arising directly or indirectly from the failure of any computer     patient treatment authorised by Us and ambulance charges for
equipment, integrated circuits, computer chips or computer software to           conveyance to hospital. Dental treatment up to the limit shown in the
correctly recognise any date change.                                             schedule is included only for the alleviation of sudden pain, and does not
9. Any Excess shown in the schedule.                                             apply to the provision of dentures or artificial teeth and work involving the
10. Claims arising directly or indirectly from an act of Terrorism. This         use of precious materials.
exclusion does not apply to Section B – Emergency Medical and Other              2. Reasonable additional travelling expenses in returning to Your
Expenses except for any claims which are in any way caused or                    home address in the United Kingdom and reasonable additional
contributed by an act of Terrorism involving the use or release or the threat    Accommodation expenses for You and one relative or friend required on
thereof of any nuclear weapon or device or chemical or biological agent.         medical advice and authorised by Us and Our Assistance Company to
                                                                                 remain with or to travel with You.
  PLEASE NOTE THAT THE FOLLOWING SECTIONS OF COVER                               3. The expense of a qualified medical attendant or other person
  ONLY APPLY IF A SUM INSURED IS SHOWN IN THE SCHEDULE                           authorised by Us required on medical advice to escort You home.
                                                                                 4. The cost of returning Your body or ashes to Your home address in the
SECTION A – CANCELLATION OR CURTAILMENT                                          United Kingdom. This cover includes the cost of a standard transportation
What is covered:                                                                 container but does not include the cost of an ornamental casket or urn and
We will indemnify You for:                                                       must be authorized by the Assistance Company. Alternatively We will pay
(a) unused charges associated with Your trip that are not refundable and         the cost of burial abroad in the country where death occurs up to a
      which were incurred before Your departure date if You have to              maximum limit of £2,000.
      cancel Your trip or                                                        5. If You sustain actual bodily injury or suffer an unforeseen new illness
(b) the extra cost of a one way airfare of a standard no greater than the        outside the United Kingdom during the Period of Insurance resulting in
      class of journey on the Outward Journey or the applicable fee              admission to a hospital overseas as an in-patient We will pay You a daily
      charged by the airline to change Your scheduled return date, and the       benefit for each complete 24 hours You are hospitalised up to a maximum
      unused non-refundable prepaid Accommodation costs and other                stated in the schedule.
      land arrangements following Curtailment of Your trip as a result of
      any of the circumstances detailed below:                                   UNITED KINGDOM TRIPS ONLY:
1. Your death, accidental bodily injury or illness, or that of a relative or a   If You sustain actual bodily injury or suffer illness whilst on a trip within the
friend with whom You have arranged to travel or stay, or of Your Close           United Kingdom We will indemnify You up to £1,000 against expenses
Relative or of a Close Business Associate.                                       You necessarily incur inside the United Kingdom for cover operative in so
2. You or any person with whom You have arranged to travel or stay being         far as paragraph 2, 3 and 4, (transportation of remains not burial) are
subject to compulsory quarantine or being summoned for Jury Service or           concerned.
as a witness in a Court of Law or for Military Service during the period of
the trip.                                                                        SPECIAL PROVISO TO SECTION B
3. Your redundancy (qualifying You to claim for payment under current            In accepting the cover provided by Section B You have given Us or Our
Redundancy Payment Legislation) and that of any person with whom You             Assistance Company permission to approach Your United Kingdom
intend to travel provided that such notice of redundancy is advised to Us        General Practitioner for details of Your medical records in the event You
within 14 days of its announcement.                                              require any form of in-patient treatment following a medical emergency
4. Your private dwelling becoming uninhabitable following fire, storm or         whilst outside the United Kingdom.
flood, or Your presence being required by the police following burglary at
such private dwelling occurring at any time after We have accepted this          SPECIFIC EXCLUSIONS APPLYING TO SECTION B
insurance.                                                                       What is not covered:
5. Cancellation or interruption of scheduled public transport consequent         1. Expenses which You incur in Your normal country of residence (other
upon Hijack occurring during the Period of Insurance.                            than 2, 3 or 4 above for United Kingdom trips only).
6. Reasonable additional travelling expenses incurred by You in returning        2. Any surgery or MRIS, CT scans or invasive procedure including but not
to Your home address in the United Kingdom, where such return is                 restricted to cardiac catheterisation or organ transplants unless pre-
urgently necessitated by the death, serious illness or severe injury of Your     approved by the Assistance Company prior to it being performed.
Close Relative or a Close Business Associate provided that such Close
Relative or Close Business Associate is resident in the United                   3. Any in-patient hospital treatment or treatment costs in excess of £250 or
Kingdom.                                                                         additional travelling expenses not specifically authorised by Us or Our
7. Normal pregnancy without associated bodily injury or complications            Assistance Company.
where pregnancy is confirmed after the date of purchase of this insurance        4. Any expense which You incur more than twelve months after the
and undertaking Your trip would be against medical advice or the health          occurrence of the injury or illness to which the claim refers.
requirements stipulated by Your carrier and/or their handling agents and/or      5. Any expense which is not usual, reasonable or customary for the
any public transport provider with whom You were booked to travel.               medical services and/or supply.
                                                                                 6. Any expense for non-essential or ongoing treatment or where treatment
IN THE EVENT THAT YOUR TRIP IS CURTAILED DUE TO YOUR                             can be reasonably delayed until You are returned to the United Kingdom
ACCIDENT OR ILLNESS A DOCTOR AT THE RESORT OR THE                                or for the cost of a single bed ward unless authorised by the Assistance
NEAREST TOWN MUST CONFIRM THAT SUCH CURTAILMENT WAS                              Company detailed below for medical reasons only or for the service of a
MEDICALLY NECESSARY.                                                             chiropractor, chiropodist or osteopath or for non-medical costs.
                                                                                 7. Any private medical treatment carried out in countries operating a
ALL CURTAILMENT COSTS MUST BE AUTHORISED IN ADVANCE BY                           reciprocal health care agreement with the United Kingdom unless
THE ASSISTANCE COMPANY OR BY US.                                                 specifically authorised by Our 24 Hour Medical Assistance Company and
                                                                                 only in circumstances where a transfer to a public hospital is impossible.
                                                                                 (see also the Exclusions applying to Sections A, B and C)
SECTION C – PERSONAL ACCIDENT                                                     3. Any travel delay as a consequence of Terrorism will be limited to 50%
                                                                                  of the sum insured.
What is covered:
If You sustain bodily injury caused solely by accidental, violent, external       What is not covered
and visible means and such bodily injury solely and directly results within       1. Travel delay caused by Strike or Industrial Action that started or was
twelve months in Your death or disablement, We will pay to You the                announced before Your trip was booked or purchase of this policy,
benefits shown in the schedule in accordance with the following items:            whichever is later.
     Item 1 - Death                                                               2. Costs or charges for which the airline will compensate You.
     Item 2 - Permanent loss by physical severance of hand or foot at or          3. Circumstances which could reasonably have been anticipated at the
     above the wrist or ankle or the total and permanent loss of use of an        date the policy was effected or the insured journey was booked.
     entire hand or arm or of an entire foot or leg or total and irrecoverable
     loss of all sight in one or both eyes                                        B. Travel Disruption, Missed Departure or Catching up the Scheduled
     Item 3 - Permanent total disablement resulting in Your permanent and         Itinerary occurring after having commenced the Outward Journey or
     absolute inability to attend to any profession, business or gainful          in connection with the Return Journey.
     occupation of any and every kind
                                                                                  Disruption of scheduled travel itinerary due to failure or delay of pre-booked
Provided that:                                                                    public means of transport (to intermediary or return airports), or the
(1) if You are under 18 years of age the benefits above are limited to the        missing of any pre-booked flight connection as a result of a failure or delay
amount shown in the schedule.                                                     of any flights on which You are travelling.
(2) if You are aged 66 years or over the benefits above are limited to the        1. Reasonable additional Accommodation and travel expenses of an
amount shown in the schedule.                                                     equivalent standard to the original booking until the insured person is able
                                                                                  to resume the scheduled itinerary.
SPECIFIC EXCLUSIONS APPLYING TO SECTION C                                         2. Any travel delay as a consequence of Terrorism will be limited to 50%
What is not covered:                                                              of the sum insured.
No compensation will be payable:
1. Under more than one of items 1, 2 or 3 and on payment of a claim under         What is not covered
any one of these items all liability under this section will cease in so far as   1. Travel delay caused by Strike or Industrial Action that started or was
You are concerned.                                                                announced before Your trip was booked or purchase of this policy,
2. In respect of claims arising from any medical condition or treatment or        whichever is later.
illness or disease.                                                               2. Costs or charges for which the airline or provider of transport or
(see also the Exclusions applying to Sections A, B and C)                         Accommodation will compensate You.
                                                                                  3. Circumstances that could reasonably have been anticipated at the date
EXCLUSIONS APPLYING TO SECTION A, B & C                                           the policy was effected or the insured journey was booked.

What is not covered: Claims arising from:                                         C. Travel Delay occurring en route to point of departure (Outward or
1. Any Pre-existing Medical Condition (unless You have declared it to             Return Journey) resulting in a Missed Departure
Us and We have accepted it for cover in writing or it meets the criteria
shown in the Accepted Minor Conditions List) or where You have not                An accident or breakdown involving the car or public means of transport in
complied with the conditions of the Medical Declaration on page 1.                which You are travelling, or an accident causing a traffic holdup or in which
2. Travel arrangements made or undertaken:                                        You are involved by providing first aid which causes You to arrive at the
(i) against the advice of any Registered Medical Practitioner                     airport, port or station You are leaving from too late to commence the
(ii) for the purpose of obtaining medical treatment abroad                        advanced/prebooked/planned journey.
3. Your intentional self-injury or suicide or attempted suicide or wilful         1. Reasonable additional Accommodation and travel expenses of an
exposure to needless risk (except in the attempt to save a human life).           equivalent standard to the original booking up to the sum insured for each
4. The influence of intoxicating liquor or of a drug or drugs (unless             insured person.
prescribed by a Registered Medical Practitioner), or substance or solvent
abuse or venereal disease.                                                        What is not covered
5. Emotional, psychological or psychiatric disorder, or whilst suffering from     1. Delay caused by Strike or Industrial Action that started or was
any condition of anxiety, stress or depression unless same results in             announced before Your trip was booked or purchase of this policy,
admission to a hospital as an in-patient and is not a Pre-existing Medical        whichever is later.
Condition (please refer to the Medical Declaration)                               2. Costs or charges for which a car rental company, a transport provider or
6. You engaging in any Hazardous Activities (unless declared to and               a third-party liability insurance will compensate You.
accepted by Us).                                                                  3. Circumstances that could reasonably have been anticipated at the date
7. Normal pregnancy, without any accompanying bodily injury, illness,             the policy was effected or the insured journey was booked.
disease or complication except where specifically covered Section A -
Cancellation or Curtailment. These sections all provide cover for                 Additional Conditions applying to Policy Section D
unforeseen events, accidents, illnesses and diseases and normal
childbirth would not constitute an unforeseen event except as specifically        Each insured person must:
described.                                                                        (a) Take all reasonable steps to complete the scheduled journey on time.
8. Claims arising from elective and invasive procedures including cosmetic        (b) You must check in according to the itinerary provided by the tour operator
surgery and body piercing and tattoos.                                            or carrier and obtain a signed statement or certificate from the tour operator,
9. Claims arising from any loss associated with You being denied                  carrier, agent or transport provider confirming the period of delay or disruption,
boarding or right of passage by any airline or other carrier.                     (c) Comply with minimum check-in and connecting times or if not published to
                                                                                  allow 2 hours on international flights and 1 hour on domestic flights.
SECTION D – TRAVEL DELAY & MISSED DEPARTURE                                       (d) Allow sufficient time to reach any airport, station, port or terminus with
                                                                                  reasonable expectation of meeting the scheduled check-in time.
What is covered:                                                                  (e) Obtain a motor breakdown service or repairer’s report if You miss Your
This part of the policy sets out the cover We provide to each insured             departure due to the breakdown of the vehicle in which You were travelling.
person in total per insured journey, not exceeding the sum insured set out        (f) Obtain a police accident report if You miss Your departure because the
in the policy schedule, following travel delay and disruption.                    vehicle in which You were travelling was involved in an accident, or You were
                                                                                  withheld as a witness.
A. Travel Delay                                                                   (g) Apply in a timely manner to the airline or carrier for compensation You
Delay to departure on Your Outward or Return Journey of at least twelve           are entitled to under EU Regulation No. 261/2004 “Air Passengers Rights”.
hours due to failure or delay of prebooked public means of transport on
which the insured person is scheduled to travel.

1. An amount as shown on Your policy schedule for each full twelve hour
period that You are delayed or,
2. The full deposit or cancellation charges (non-recoverable) if after 48
hours delay to Your Outward Journey from Your country of residence,
You choose to cancel the holiday/journey. Such compensation cannot
exceed the sum insured for Cancellation (Policy Section A).
SECTION E – PERSONAL POSSESSIONS                                                EXCLUSIONS APPLYING TO SECTIONS E, F & G
What is covered:                                                                What is not covered:
We will indemnify You                                                           1. Loss due to delay, detention, confiscation, requisition or damage by
1. For loss of or theft of or damage to Personal Possessions belonging          Customs or other Officials or Authorities
to You up to the amount stated in the schedule (no single article being         2. Loss or theft unless:
insured for more than the limit shown. A camera or camcorder with all           (a) You have reported the loss or theft to the nearest police authority
accessories, a bracelet or necklet with any attachment and any similar set           within 48 hours of discovery and
or pair of items will be considered as one article).                            (b) You have obtained a written police report
2. The cost of necessary purchase of replacement clothing and                   3. Loss of or theft of:
toiletries if You are temporarily deprived of Your Personal Possessions         (a) Valuables, Passports or Money from an Unattended vehicle at any
on the Outward Journey for a period of more than 12 hours from the time         time
of arrival at Your destination due to their delay or misdirection in delivery   (b) Other property insured from an Unattended motor vehicle unless the
up to the amount stated in the schedule under Delayed Baggage.                  vehicle was securely closed and locked, and such property placed out of
                                                                                sight in the locked boot or in a locked compartment within the vehicle, but
Provided that:                                                                  in any event excluding all property insured whilst left in an Unattended
1. You take all reasonable precautions for the safety of the property           motor vehicle between 2000 hours and 0800 hours local time, other than
insured.                                                                        motor homes or caravans which are being occupied by You as Your
2. Our liability in respect of Valuables is limited to a total amount shown     holiday accommodation
in the schedule.                                                                4. Theft of property left Unattended other than as provided above or whilst
3. Any claims payment made in respect of temporary deprivation of               in Your securely locked accommodation.
Personal Possessions will be deducted from any subsequent claim                 5. Loss of or theft of Valuables or Money whilst in a suitcase or holdall or
where the property insured proves to be permanently lost. You must keep         bag or similar receptacle outside Your immediate control.
receipts for all replacement purchases.
4. You must supply at Your own expense a Statutory Declaration                  SECTION H – PERSONAL LIABILITY
regarding any claim arising under this section of the policy if We so
require.                                                                        What is covered:
                                                                                We will indemnify You against all sums up to the amount stated in the
SPECIFIC EXCLUSIONS APPLYING TO SECTION E                                       schedule which You are legally liable in a personal capacity to pay in
                                                                                respect of accidents happening during the Period of Insurance
What is not covered:                                                            resulting in:
1. Loss or damage arising from wear and tear or depreciation or                 1. Bodily injury or death to any person not being a member of Your
deterioration or any process of cleaning or repairing or restoring or           Family or household or in Your service.
atmospheric or climatic conditions or moth or vermin or electrical or           2. Damage to property not:
mechanical breakdown or derangement.                                            (i) Belonging to You or in the charge of or under the control of You or a
2. Loss of or theft of or damage to contact or corneal lenses, dentures,        member of Your Family or household or of a person in Your service N.B.
hearing aids, mobile telephones, samples or merchandise or property used        For accidental damage to rented accommodation We will pay up to
in connection with Your business or trade, bonds, coupons, securities,          £100,000 for a single incident which You are legally responsible for. The
stamps or documents of any kind, vehicles or accessories, antiques,             indemnity provided by this Section extends to cover costs and expenses
pictures, Sports Equipment whilst in use, boats and/or ancillary                recoverable by any claimant, provided they were incurred before the date
equipment including windsurfing equipment and sailboards, caravan               (if any) on which We paid or offered to pay either the full amount of the
awnings, glass, china or any other articles of a brittle or fragile nature.     claim or the total amount recoverable, in respect of any one occurrence
3. Loss of or damage to property shipped as freight or under a bill of          and also to costs and expenses incurred by You with Our written consent.
lading.                                                                         In the event of Your death Your personal representative will receive the
(see also the Exclusions applying to Sections E, F and G)                       benefit of the cover granted by this section.

SECTION F - MONEY                                                               SPECIFIC EXCLUSIONS APPLYING TO SECTION H
What is covered:                                                                What is not covered: 1.
We will indemnify You up to the amount stated in the schedule in respect        Claims arising:
of accidental loss or theft of Money whilst on Your person or whilst in a       (i) directly or indirectly out of the ownership, possession or use (other
safety deposit box within a hotel or bank or whilst in Your securely locked     than as a passenger having no right of control) of aircraft, model aircraft,
accommodation under Your control.                                               caravans, trailers, motorised or electrically propelled water-borne craft,
Provided that:                                                                  sailing vessels, wind surfers, mechanically or electrically propelled
1. You take all reasonable precautions for the safety of the property           vehicles or conveyances or attached trailers and lifts
insured.                                                                        (ii) directly or indirectly out of the ownership, possession or use of
2. You must supply at Your own expense a Statutory Declaration                  animals or firearms
regarding any claim arising under this section of the policy if so required.    (iii) from any Hazardous Activity
3. Our limit of liability in respect of cash being carried on any one person    (iv) directly or indirectly out of or incidental to Your business or trade or
limited to the amount shown in the schedule.                                    profession including voluntary work or any form of child minding
                                                                                (v) out of actions between persons insured by Us
SPECIFIC EXCLUSIONS APPLYING TO SECTION F                                       (vi) directly or indirectly out of Your ownership possession or control of
                                                                                any land or buildings
What is not covered:
                                                                                (vii) out of any liability assumed under a contract unless such liability
1. Shortages of Money due to error or omission or depreciation in value or
                                                                                would have attached in any event in the absence of such contract
currency transfers costs.
                                                                                (viii) directly or indirectly due to an infectious disease
(see also the Exclusions applying to Sections E, F and G)
                                                                                2. Any Excess shown in the schedule for 2 above.
SECTION G – PASSPORT, TICKETS & DOCUMENTS
                                                                                SECTION I - LEGAL EXPENSES
What is covered:
                                                                                This part of the policy sets out the cover We provide in total, per insured
We will indemnify You up to the amount stated in the schedule for:-             journey, to an insured person, not exceeding the sum insured set out in
(a) the reasonable costs in obtaining a replacement passport (or travel         Your schedule, in relation to Legal Costs and Expenses. DAS Legal
    document) to enable You to return to the United Kingdom following           Expenses Insurance Co. Ltd manages and controls claims under this
    the accidental loss or theft of Your Passport whilst outside the            policy section.
    United Kingdom
(b) the irrecoverable costs of travel tickets, green card, petrol coupons,      Definitions which only apply to this Section
    driving licence or phone cards following accidental loss or theft
                                                                                Appointed Lawyer - The lawyer or other suitably qualified person, who
                                                                                has been appointed to act for You under conditions 2 to 8 of this section.
                                                                                Legal costs - All reasonable and necessary costs charged by the
                                                                                appointed lawyer on a standard basis. Also the opponent’s costs in civil
                                                                                cases if You have to pay them, or pay them with Our agreement.
Date of the Incident - The date the incident happened that may lead to a           decide the matter. We and You must both agree to this in writing. If We
claim. If there is more than one event arising at the same time or from the        cannot agree with You about the choice of second lawyer, We will ask the
same cause, then the date of the incident is the date of the first of these        president of a relevant national law society to choose a lawyer. Whoever
events.                                                                            loses the disagreement will have to pay the costs of settling it.
Insured incident - An event which causes the death of, or bodily injury to,
You.                                                                               SECTION J - HIJACK
                                                                                   What is covered
What is Covered:
                                                                                   If You are prevented from reaching Your scheduled destination as a result
Under this section, We will negotiate for Your legal rights after an Insured
                                                                                   of Hijack of the aircraft or ship in which You are travelling, We will pay
Incident. We will also help in appealing or defending an appeal. If You
                                                                                   You for each full 24 hours of delay up to the maximum stated in the
use an Appointed Lawyer, We will pay the legal costs for this. The most
                                                                                   schedule.
We will pay for all claims for an Insured Incident, resulting from one or
                                                                                   Provided that:
more event arising at the same time or from the same cause is shown in
the schedule of cover. We agree to provide legal expenses cover, keeping           1. Compensation is only payable if no claim is made under Section A
to the terms, conditions and exclusions, as long as:                               Cancellation or Section D Travel Delay.
                                                                                   2. You must produce independent evidence in writing in support of any
•    any legal proceedings will be dealt with by a court or other body which
                                                                                   claim.
     We agree to; in civil claims, it is always more likely than not that You
     will recover damages (or other legal remedy) or make a successful
                                                                                   SECTION K - CATASTROPHE
     defence; and
•    the Insured Incident happens during the Period of Insurance
                                                                                   What is covered:
As well as the general conditions, the following exclusions and
                                                                                   We will pay You up to the limit shown in the schedule should You be forced
conditions apply:
                                                                                   to move from Your pre-booked and pre-paid accommodation outside of
                                                                                   the United Kingdom as a result of fire, lightning, explosion, earthquake,
What is not covered:
                                                                                   storm, tempest, hurricane, flood, medical epidemic or local Government
1. Any claim reported to Us more than 180 days after the date You should
                                                                                   directive occurring while You are abroad and which is confirmed in writing
have known about the Insured Incident.
                                                                                   by local or national authority for the additional irrecoverable travel or
2. Any legal costs incurred before We agree to pay them.
                                                                                   Accommodation costs necessarily incurred to continue with Your
3. Any claim relating to a) any illness that develops gradually or is not
                                                                                   prepaid trip or, if the trip cannot be continued, for Your return to the
caused by a specific or sudden accident; b) You driving a motor vehicle for
                                                                                   United Kingdom.
which You do not have valid motor insurance; c) an application for Judicial
Review.
                                                                                   SPECIFIC EXCLUSIONS APPLYING TO SECTION K
4. Defending Your legal rights but defending a counter claim is covered.
5. Any disagreement with Us that is not in condition 17 of this section.           What is not covered:
6. Any legal action You take which We or the Appointed Lawyer have not             No compensation will be payable for:
agreed to or where You do anything that hinders Us or the Appointed                1. Any expense following Your disinclination to travel or to continue with
Lawyer.                                                                            Your trip when official directives from the local or national authority state
7. Any legal action against the travel agent, tour operator, carrier, any of the   it is acceptable to do so.
Insurers listed on this policy or their agents.                                    2. Any cost or expense payable by or recoverable from the tour operator,
8. Fines, damages or other penalties which You are ordered to pay.                 airline, hotel or other provider of services.
                                                                                   3. Any cost or expense resulting from circumstances existing prior to Your
Conditions                                                                         arrival at Your pre-paid and pre-booked accommodation.
You must do the following:
1. Send everything We ask for in writing and give Us full details of any           SECTION L – SCHEDULED AIRLINE FAILURE AND DYNAMIC
claim, and any information We need, as soon as possible.                           PACKAGING PROTECTION
2. We can take over and conduct, in Your name, any claim or legal
proceedings at any time before an Appointed Lawyer is appointed. We                This cover is provided by International Passenger Protection Limited, IPP
can negotiate any claim on Your behalf.                                            House, 22-26 Station Road, West Wickham, Kent BR4 0PR, United
3. If We agree to start legal proceedings and You have to be represented           Kingdom and is underwritten by a consortium of Association of British
by a lawyer, or if there is a conflict of interest, You can choose an              Insurers member Companies & Lloyds Syndicates.
Appointed Lawyer by sending Us the lawyer’s name and address. We                   The Insurer will pay up to the limit shown in the schedule in total for each
may choose not to accept the choice of lawyer, but only in exceptional             person insured named on the invoice for:
circumstances. If You and We disagree over the choice of Appointed                 1. Irrecoverable sums paid in advance in the event of insolvency of the
Lawyer, another lawyer can be appointed to decide the matter (see                  travel or Accommodation provider not forming part of an inclusive holiday
condition 17).                                                                     prior to departure
4. Before You choose a lawyer, We can appoint an Appointed Lawyer.                 or
5. We will appoint an Appointed Lawyer to represent You according to               2. In the event of insolvency after departure:
Our standard terms of appointment. The Appointed Lawyer must co-                   a) additional pro rata costs incurred by the person insured in replacing
operate fully with Us at all times.                                                      that part of the travel arrangements to a similar standard to that
6. We will have direct contact with the Appointed Lawyer.                                originally booked
7. You must co-operate fully with Us and the Appointed Lawyer and must             or
keep Us up-to-date with the progress of the claim.                                 b) if Curtailment of the holiday is unavoidable - the cost of return
8. You must give the Appointed Lawyer any instructions that We ask for.                  transportation to the United Kingdom to a similar standard to that
9. You must tell Us if anyone offers to settle the claim.                                originally booked.
10. If You do not accept a reasonable offer to settle a claim, We may
refuse to pay further Legal Costs.                                                 EXCLUSIONS APPLYING TO SECTION L
11. You must not negotiate or agree to settle a claim without Our approval.        1.   Travel or Accommodation not booked within the United Kingdom,
12. We may decide to pay You the amount of damages that You are claim-                  Channels Islands, Isle of Man or Ireland prior to departure
ing or is being claimed against You instead of starting or continuing legal        2. The Financial Failure of:
proceedings.                                                                       a) any travel or Accommodation provider in Chapter 11 or any threat of
13. If We ask, You must tell the Appointed Lawyer to have Legal Costs                   insolvency being known at the date of issue of the policy
taxed, assessed or audited.                                                        b) any travel or Accommodation provider who is bonded or insured
14. You must take every step to recover Legal Costs that We have to pay                 elsewhere (even if the bond is insufficient to meet the claim)
and must pay Us any Legal Costs that You recover.                                  c) any travel agent, tour organiser, booking agent or consolidator with
15. If Your Appointed Lawyer refuses to continue acting for You or if You               whom the insured has booked travel or accommodation
dismiss Your Appointed Lawyer, the cover We provide will end at once,              3. Any loss for which a third party is liable or which can be recovered by
unless We agree to appoint another Appointed Lawyer.                                    other legal means
16. If You stop a claim without Our agreement, or do not give suitable in-         4. PROVIDED THAT in the case of a) and b) above where practicable
structions to Your Appointed Lawyer, the cover We provide will end at              the person insured shall have obtained the approval of the insurer prior to
once.                                                                              incurring the relevant costs by contacting the insurer as set out below
17. If We and You disagree about the choice of Appointed Lawyer, or
about how a claim is handled. We and You can choose another lawyer to
Claims Procedure: International Passenger Protection claims only - any          SECTION M3 – HOLE-IN-ONE COVER
occurrence which may give rise to a claim should be advised as soon as
reasonably practicable and in any event within 14 days to:                      What is Covered:
                                                                                1. We will pay up to the limit shown in the schedule of cover for bar bills
International Passenger Protection Claims Office IPP House, 22-26 Station          that You incur as a result of You getting a Hole-In-One.
Road, West Wickham, Kent BR4 0PR United Kingdom
Facsimile: +44 (0)20 8776 3751 - Telephone: +44 (0)20 8776 3752 Email:          Conditions:
info@ipplondon.co.uk                                                            1. You must obtain written confirmation from the appropriate golf course
                                                                                   authority to confirm Your Hole-In-One.
SECTION M – GOLF COVER EXTENSION
                                                                                2.   You are only covered under this insurance to claim for a maximum of
This section is only valid if the additional premium has been paid and this          one Hole-In-One.
is shown on Your validation certificate. Golf Equipment shall mean golf
clubs, golf bags, golf shoes and non-motorised golf trolleys belonging to       SECTION M4 – GOLF COURSE CLOSURE
the insured person. Golf balls and tees and other miscellaneous items are
not included. Below are the details of Golf Cover provided by this              What is Covered:
extension:                                                                      If adverse weather conditions cause the total closure of all golf facilities
                                                                                for more than one day at the golf course You have pre-booked into, You
SECTION M1 – GOLF EQUIPMENT OWNED                                               will be covered for the limits shown in the schedule of cover for reasonable
                                                                                additional transport costs and green fee costs to enable You to play at a
What is Covered:                                                                different golf course. If it is not possible to arrange transport to a different
1. If Your Golf Equipment is lost, destroyed or stolen, We will pay You         golf course, You will receive the daily benefit shown in the schedule of
   up to the amount shown in the schedule of cover subject to the               cover for each whole day’s pre-booked golf lost.
   following depreciation scale based on the original purchase price of
   the equipment and the age of the item(s):                                    SPECIFIC EXCLUSIONS APPLYING TO SECTION M4 – GOLF
       80% under six months old                                                 COURSE CLOSURE
       60% over six months old and less that one year old
                                                                                What is not Covered:
       50% over one year old and less than two years old
                                                                                1. You will not be covered for any amount that You can get back from
       40% over two years old and less than three years old
                                                                                   someone or somewhere else.
       30% over three years old and less than four years old
       20% over four years old and less than five years old
                                                                                Conditions:
       10% if over five years old
                                                                                1. Cover will only apply for as long as there are adverse weather
2. You will be covered for the repair costs up to the values shown above
                                                                                   conditions closing all golfing facilities at Your resort.
   if Your Golf Equipment is damaged in transit.
                                                                                2. You must obtain written confirmation from the appropriate golf course
3. If Your hired equipment is lost, stolen or damaged We will pay up to
                                                                                   authority to confirm that all facilities at Your pre-booked golf course
   £100 for replacement or repair if You are held responsible.
                                                                                   were closed and/or that it was not possible to travel to an alternative
                                                                                   golf course.
SECTION M2 – GOLF EQUIPMENT HIRE
What is Covered:                                                                This cover is provided only if You have paid the premium required. Below
1. If Your own Golf Equipment is lost, stolen or damaged after                  are the details of Winter Sports cover provided by this extension:
   commencement of Your Outward Journey, You will be covered for
   the reasonable cost of hiring a set of clubs during Your trip up to the      SECTION N - WINTER SPORTS
   limits shown in the schedule of cover.
                                                                                1. You will be covered under all sections for the following winter sports:
2. If Your hired equipment is lost, stolen or damaged We will pay up to
                                                                                skiing, snowboarding, mono skiing, cross country(Nordic) skiing, snow
   £100 for replacement or repair if You are held responsible.
                                                                                sledging, skidooing and sleigh rides. Skiing and snowboarding off-piste is
                                                                                covered provided You are skiing within the boundaries of a recognised
What is not Covered:
                                                                                re-sort area designed for public use and are not skiing in areas marked
1. You are not covered for the following:
                                                                                out of bounds or hazardous by the piste authorities. No cover is provided
a. Loss of, theft of or damage to Your golf equipment during Your
                                                                                for any form of ski racing, ski jumping, ice hockey or any other hazardous
   Outward or Return Journey if You do not obtain a written ‘carriers
                                                                                or extreme sports not specifically listed above.
   report’, or a ‘Property Irregularity Report’ in the case of an airline. If
                                                                                2. You are not covered for winter sports equipment under section E
   You cannot report the loss, theft or damage to the carrier
                                                                                (Personal Possessions) of this travel policy. Please see details of winter
   immediately, You must do so in writing within seven days of the loss,
                                                                                sports equipment cover.
   theft or damage.
b. Loss or theft of Your Golf Equipment at any other time if You do not
                                                                                SECTION N1 - WINTER SPORTS EQUIPMENT
   report the loss or theft to the police within 48 hours of discovering the
   loss or theft and a written police report obtained.                          What is covered:
c. Loss or damage caused by delay, wear and tear, moths, vermin,                1. If Your or Your hired snowboard or skis (including bindings) boots and
   weather and atmospheric conditions or mechanical failure.                    poles are lost, destroyed or stolen, We will pay You up to the limit shown
d. Loss of or theft of or damage to property left in or on a vehicle            in the schedule subject to the following depreciation scale based on the
   over night.                                                                  original purchase price of the equipment and the age of the item(s)
e. Loss or theft of or damage to property You have left Unattended in a               80% under 6 months old
   public place.                                                                      60% over six months old and less than one year
f. Loss or damage to Golf Equipment whilst in use.                                    50% over one year old and less than two years
2. You are not covered for claims for which You receive compensation                  40% over two years old and less than three years
   from someone else.                                                                 30% over three years old and less than four years
3. You are not covered for more than the limits shown in the schedule                 20% over four years old and less than five years
   of cover for any one club or item of equipment.                                    10% if over five years
4. Any Excess shown in the schedule of cover.                                   2. You will be covered for repair costs up to the values shown above if
                                                                                Your snowboard or ski equipment is damaged.
Conditions:
1. You must take proper care of Your belongings and act as if You did           SECTION N2 - WINTER SPORTS EQUIPMENT HIRE
   not have this insurance policy.
2. You must keep any of Your own damaged property to enable Us to               What is covered:
   inspect it. When We make a payment for that property, it will then           If Your own equipment is lost, stolen or damaged after commencement of
   belong to Us.                                                                the Outward Journey, You will be covered for the reasonable cost of
                                                                                hiring a snowboard or skis (including bindings), boots and poles during
                                                                                Your trip up to the limit shown in the schedule.
SPECIFIC EXCLUSIONS APPLYING TO SECTIONS N1 AND N2                                 SPECIFIC EXCLUSIONS APPLYING SECTION N5
What is not covered:                                                               What is not covered:
1. You are not covered for the following:                                          1. You will not be covered if the tour operator pays for Your extra travel and
(a) Loss of, theft of or damage to Your winter sports equipment during             Accommodation costs.
     Your Outward or Return Journey if You do not get a written                    2. If You receive compensation from someone or somewhere else, We will
     ‘carrier’s report’, or a ‘Property Irregularity Report’ in the case of an     take this off Your claim.
     airline. If You cannot report the loss, theft or damage to the carrier
     straight away, You must do so in writing within seven days                    SECTION O - WEDDING/CIVIL PARTNERSHIP COVER
(b) Loss or theft of winter sports equipment at any other time if You do not
                                                                                   Cover in respect of Section O only operates:
     report the loss or theft to the police within 48 hours of discovering it
                                                                                   Under single trip policies and annual multi-trip policies if the appropriate
     and get a police report from them
                                                                                   wedding/civil partnership cover extension has been chosen and the
(c) Loss or damage caused by delay, wear and tear, moths, vermin,
                                                                                   appropriate additional premium has been paid and is shown on the
     weather and atmospheric conditions or mechanical failure
                                                                                   validation certificate.
(d) Loss of or theft of or damage to property left in or on a vehicle
     overnight
                                                                                   Special Definitions (which are shown in italics)
2. You are not covered for claims for which You receive compensation
                                                                                   You/Your/Insured Person/Insured Couple
     from someone else.
                                                                                   - means the couple travelling abroad to be married or enter into a civil
3. You are not covered for more than the limit shown in the schedule for
                                                                                   partnership whose names appear in the validation certificate.
     any one snowboard or pair of skis (including bindings), boots or poles.
                                                                                   Wedding/Civil Partnership attire
                                                                                   - means dress, suits, shoes and other accessories bought specially for the
Conditions:
                                                                                   wedding/civil partnership and make-up, hair styling and flowers paid for or
1. You must take proper care of Your belongings and act as if You did not
                                                                                   purchased for the wedding/civil partnership forming part of Your baggage.
have this insurance policy.
2. You must keep any of Your own damaged property so that We can
                                                                                   What is covered
inspect it. When We make a payment for that property, it will then belong
                                                                                   1.We will pay up to the amounts shown in the schedule of cover for the
to Us.
                                                                                   accidental loss of, theft of or damage to the items shown below forming
                                                                                   part of Your baggage:
SECTION N3 - SKI PACK (LESSONS, HIRE, LIFT PASS)
                                                                                   a) for each wedding/civil partnership ring taken or purchased on the trip
What is covered:                                                                        for each Insured Person.
If You fall ill or are injured during the trip and We accept a valid claim under   b) for weddings/civil partnership gifts taken or purchased on the trip for
Section B (Emergency Medical and Other Expenses), You will be covered                   the Insured Couple.
for the proportional costs of the part of the ski pack which You cannot use.       c) for Your Wedding/Civil Partnership attire which is specifically to
Ski pack expenses are limited to irrecoverable pre-paid costs for ski                   be worn by You on Your wedding/civil partnership day.
lessons, ski equipment hire and lift passes incurred prior to the date of the      The maximum payment for any single item is shown in the schedule of
illness or injury that gave rise to the claim.                                     cover.

SPECIFIC EXCLUSIONS APPLYING TO SECTION N3                                         The amount payable will be the value at today’s prices less a deduction for
                                                                                   wear, tear and depreciation, (or We may at Our option replace, reinstate
What is not covered:                                                               or repair the lost or damaged baggage).
You are not covered for claims arising from circumstances that are
normally excluded from Section B (Emergency Medical and Other                      2. We will pay the Insured Couple up to £200 for the reasonable additional
Expenses).                                                                         costs incurred to reprint/make a copy of or retake the photographs/video
                                                                                   recordings either at a later date during the trip or at a venue in United
SECTION N4 - PISTE CLOSURE                                                         Kingdom if:
What is covered:                                                                   a) the professional photographer who was booked to take the
This cover is only available for holidays starting after 1st January and                photographs/video recordings onYour wedding/civil partnership day
ending before 1st April. If adverse weather conditions cause the total                  is unable to fulfil such obligations due to bodily injury, illness or
closure of all ski facilities for more than one day at the resort You are               unavoidable and unforeseen transport problems, or
booked into, You will be covered for a daily benefit up to the limits shown        b) the photographs/video recordings of the wedding/civil partnership day
in the schedule for reasonable additional transport costs and lift hire costs           taken by a professional photographer are lost, stolen or damaged
to enable You to ski in a different resort. If it is not possible to arrange            within 14 days after the wedding /civil partnership day and whilst You
transport to a different resort, You will receive the daily benefit for each            are still at the holiday/honeymoon location.
whole day’s skiing lost.
                                                                                   Special conditions relating to claims
What is not covered:                                                               1. You must report to the local police within 48 hours of discovery and
1. You will not be covered for any amount You can get back from                    obtain a written report of the loss, theft or attempted theft of all baggage.
someone or somewhere else.                                                         2. If baggage is lost, stolen or damaged whilst in the care of a carrier,
2. You will not be covered if You booked the trip within 14 days of going          transport company, authority or hotel You must report to them, in writing,
on the trip.                                                                       details of the loss, theft or damage and obtain written confirmation.

Conditions:                                                                        If baggage is lost, stolen or damaged whilst in the care of an airline You
1. Cover will only apply for as long as there are adverse weather conditions       must:
closing all skiing facilities at Your resort.                                      a) obtain a Property Irregularity Report from the airline.
2. Cover will only apply if Your resort area has ski facilities above 1600         b) give formal written notice of the claim to the airline within the time limit
metres.                                                                                 contained in their conditions of carriage (please retain a copy).
3. You must get written confirmation from the appropriate piste authority to       c) retain all travel tickets and tags for submission if a claim is to be made
confirm that all pistes were closed or that it was not possible to travel to            under this policy.
another resort.                                                                    3. Receipts for items lost, stolen or damaged must be retained as these
                                                                                        will help You to substantiate Your claim.
SECTION N5 - AVALANCHE CLOSURE                                                     4. The maximum payment for any single ttem for which an original
                                                                                        receipt, proof of purchase or insurance valuation (obtained prior to
What is covered:                                                                        the loss ), is not supplied is £50, subject to a maximum of £300 for all
If Your arrival at, or departure from, Your resort is delayed for more than             such items.
12 hours due to avalanche, landslide or landslip, You will be covered for
reasonable extra travel and Accommodation expenses up to the limits
shown in the schedule for each full 24 hours that You are delayed.
What is not covered                                                               4. You must provide an original receipt or proof of ownership for items lost,
1. The Excess as shown in the schedule of cover.                                  stolen or damaged to help You to substantiate Your claim.
2. Loss, theft of or damage to Valuables left Unattended at any time.
3. Loss, theft of or damage to baggage left Unattended at any time or             Special Note
contained in an Unattended vehicle:                                               Our liability for Business Equipment shall be further limited as follows:-
a) overnight between 9 p.m. and 8 a.m. (local time) or                                         Age of item
b) at any time between 8 a.m. and 9 p.m. (local time) unless it is in the                      Up to 1 year old   -    90% of purchase price
      locked boot which is separate from the passenger compartment for                         Up to 2 years old  -    70% of purchase price
      those vehicles with a boot, or for those vehicles without a separate                     Up to 3 years old  -    50% of purchase price
      boot locked in the vehicle and covered from view and evidence of                         Up to 4 years old  -    30% of purchase price
      forcible and violent entry to the vehicle is confirmed by a police                       Up to 5 years old  -    20% of purchase price
      report.                                                                                  Over 5 years old   -    Nil payment
4. Loss or damage due to delay, confiscation or detention by customs or
other authority.                                                                  What is not covered
5. Loss, theft of or damage to unset precious stones, contact or corneal          1. The Excess as shown in the schedule of cover.
lenses, hearing aids, dental or medical fittings, antiques, musical               2. Loss, theft of or damage to Business Equipment left Unattended at
instruments, mobile telephones or telecommunications equipment of any                  any time or contained in or stolen from an Unattended vehicle:
kind, deeds, manuscripts, securities, perishable goods, bicycles, marine          a) overnight between 9 p.m. and 8 a.m. (local time) or
equipment or craft or any related equipment or fittings of any kind, ski          b) at any time between 8 a.m. and 9 p.m. (local time) unless it is in the
equipment and damage to suitcases (unless the suitcase is entirely                     locked boot which is separate from the passenger compartment, or for
unusable as a result of one single incidence of damage).                               those vehicles without a separate boot, locked in the vehicle and
6. Loss or damage due to cracking, scratching, breakage of or damage to                covered from view and evidence of forcible and violent entry to the
china, glass (other than glass in watch faces, cameras, binoculars or                  vehicle is confirmed by a police report.
telescopes), porcelain or other brittle or fragile articles unless caused by      3. Claims arising from Business Equipment and Valuables whilst in the
fire, theft, or accident to the aircraft, sea vessel, train or vehicle in which   custody of a carrier.
they are being carried.                                                           4. Loss or damage due to delay, confiscation or detention by customs or
7. Loss or damage due to breakage of Sports Equipment or damage to                other authority.
sports clothing whilst in use.                                                    5. Loss or damage caused by wear and tear, depreciation, deterioration,
8. Loss, theft of or damage to business goods, samples, tools of trade,           atmospheric or climatic conditions, moth, vermin, any process of cleaning,
motor accessories and other items used in connection with Your business,          repairing or restoring, mechanical or electrical breakdown.
trade, profession or occupation.                                                  6. Claims arising from damage caused by leakage of powder or liquid
9. Loss or damage caused by wear and tear, depreciation, deterioration,           carried within personal effects or Business Equipment.
atmospheric or climatic conditions, moth, vermin, any process of cleaning,        7. Anything mentioned in the general exclusions.
repairing or restoring, mechanical or electrical breakdown or liquid
damage.                                                                           SECTION P2 - BUSINESS EQUIPMENT HIRE
10. Anything mentioned in the general exclusions.
                                                                                  What is covered
SECTIONS P1, P2 AND P3 – BUSINESS COVER                                           We will pay You up to the amount as shown in the schedule of cover for
                                                                                  each 24 hour period, for the cost of necessary hire of Business
Cover in respect of sections P1, P2 and P3 only operates:                         Equipment following:
Under single trip policies and annual multi trip policies if the appropriate      a) loss or damage of Your Business Equipment; or
business cover extension has been chosen and the appropriate additional           b) the temporary loss in transit during the Outward Journey for at least
premium has been paid and is shown on the validation certificate.                     12 hours of Your Business Equipment.
This extension to the policy provides the following modifications to the
insurance specifically in respect of any Business Trip made by You                Special conditions relating to claims
during the Period of Insurance.                                                   1. You must report to the police within 48 hours of discovery and
                                                                                  obtain a written report of the loss, theft or attempted theft of all Business
SECTION P1 - BUSINESS EQUIPMENT                                                   Equipment.
                                                                                  2. For items damaged whilst on Your trip You must obtain an official report
What is Covered
                                                                                  from an appropriate retailer.
1. We will pay You up to the amount shown in the schedule of cover, for
                                                                                  3. If Your Business Equipment is misdirected or delayed You must
accidental loss, theft of or damage to Your Business Equipment.
                                                                                  obtain written confirmation from the carrier as to the exact nature and
                                                                                  length of delay or misdirection.
The maximum We will pay for the following items is:
                                                                                  4. You must provide an original receipt or proof of ownership for items lost,
a) For any single item as shown in the schedule of cover.
                                                                                  stolen or damaged to help You to substantiate Your claim.
b) For computer equipment as shown in the schedule of cover.
c) For business samples as shown in the schedule of cover.
                                                                                  What is not covered
                                                                                  1. Loss, theft or damage to Business Equipment left Unattended at any
The maximum payment for any single item, computer equipment or
                                                                                  time or contained in or stolen from an Unattended vehicle:
business samples for which an original receipt, proof of purchase or
                                                                                  a) overnight between 9 p.m. and 8 a.m. (local time) or
insurance valuation obtained prior to loss is not supplied is for £50 subject
                                                                                  b) at any time between 8 a.m. and 9 p.m. (local time) unless it is in the
to a maximum of £300 for all such items.
                                                                                  locked boot which is separate from the passenger compartment for those
                                                                                  vehicles with a boot, or for those vehicles without a separate boot locked
2. We will also pay You up to the amount shown in the schedule of cover
                                                                                  in the vehicle and covered from view and evidence of forcible and violent
for:
                                                                                  entry to the vehicle is confirmed by a police report.
a) any emergency courier expenses You have incurred, in obtaining any
                                                                                  2. Loss or damage due to delay, confiscation or detention by customs or
     Business Equipment, which is essential to Your intended business
                                                                                  other authority.
     itinerary.
                                                                                  3. Loss or damage caused by wear and tear, depreciation, deterioration,
b) the purchase of essential items, if Your Business Equipment is
                                                                                  atmospheric or climatic conditions, moth, vermin, any process of cleaning,
     delayed or lost in transit on Your Outward Journey for more than
                                                                                  repairing or restoring, mechanical or electrical breakdown.
     12 hours.
                                                                                  4. Claims arising from damage caused by leakage of powder or liquid
                                                                                  carried within personal effects or Business Equipment.
Special conditions relating to claims
                                                                                  5. Anything mentioned in the general exclusions.
1. You must report to the police within 48 hours of discovery and obtain a
written report of the loss, theft or attempted theft of all Business
Equipment.
2. For items damaged whilst on Your trip You must obtain an official report
from an appropriate retailer.
3. If Your Business Equipment is delayed You must supply receipts for
the essential items purchased and written confirmation from the carrier as
to the exact nature and length of delay.
SECTION P3 - BUSINESS MONEY                                                   If Your complaint is not resolved to Your satisfaction by N J Heritage
                                                                              Partnership Ltd then You should write to:
What is covered
We will pay You up to the amount shown in the schedule of cover for the       All covers except Scheduled Airline Failure, Dynamic Packaging and
accidental loss of, theft of or damage to Business Money.                     Legal Expenses-
The maximum We will pay for the following items is:                           Managing Director, ETI International Travel Protection, Albany House,
a) For cash (bank notes, currency notes and coins) as shown in the            Bishopric, Horsham, RH12 1QN.
     schedule of cover.
b) For all other Business Money as shown in the schedule of cover.            Scheduled Airline Failure and Dynamic Packaging
                                                                              The Managing Director, International Passenger Protection Ltd, IPP
Special conditions relating to claims                                         House, 22-26 Station Road, West Wickham, Kent, BR4 0PR.
1. You must report to the police within 48 hours of discovery and obtain a
written report of the loss, theft or attempted theft of all Business Money.   Legal Expenses
2. Receipts for items lost, stolen or damaged including foreign currency      The Managing Director, DAS Legal Expenses Insurance Company Ltd,
exchange receipts, statement from Your business bank accounts showing         DAS House, Quay Side, Temple Back, Bristol, BS1 6NH.
the amounts withdrawn, these must be retained as these will be needed for
You to substantiate Your claim.
                                                                              Please always give details of the policy and complaint, together with the
                                                                              claims reference number. We will review Your case and reply to You in
What is not covered
                                                                              writing.
1. The Excess as shown in the schedule of cover.
2. Loss or theft of Business Money left Unattended at any time
                                                                              If You are still not satisfied You can contact the: Financial Ombudsman
(including in a vehicle or in the custody of carriers) unless deposited
                                                                              Service. South Quay Plaza, 183 Marsh Wall, London. E14 9SR.
in a hotel safe or safety deposit box.
3. Loss, theft of or damage to travellers’ cheques if You have not
                                                                              The complaints procedure above does not affect any legal rights You may
complied with the issuers conditions or where the issuer provides a
                                                                              have to take action against Us. Please note that the Ombudsman will not
replacement service.
                                                                              normally review Your case until such time We have made Our final
4. Loss or damage due to delay, confiscation or detention by customs or
                                                                              decision.
other authority.
5. Loss or damage due to depreciation in value, variations in exchange
                                                                              Please give Us the opportunity to handle Your complaint before referring
rates or shortages due to error or omission.
                                                                              things to the Ombudsman.
6. Anything mentioned in the general exclusions.
                                                                              We are all covered by the Financial Services Compensation Scheme
COMPLAINTS PROCEDURE
                                                                              (FSCS). You may be entitled to compensation from the scheme if We
If, for any reason, You consider that We have not kept Our promise or You     cannot meet Our obligations. This depends on the type of business and
have any cause for complaint regarding this insurance please contact the      circumstances of the claim. Most insurance contracts are covered for 90%
agent who sold this policy to You in the first instance.                      of the claim.

If Your complaint is regarding a claim, in the first instance write to the    Further information is available from the Financial Services Authority or
Claims Manager at Claims Settlement Agencies Ltd, 308-314 London              the FSCS at www.fscs.org.uk or on 020 7892 7300. You can check the
Road, Hadleigh, Benfleet, Essex SS7 2DD.                                      above details on the Financial Services Authority Register by visiting the
                                                                              FSA website: www.fsa.gov.uk/register or by contacting the FSA on 0845
If Your complaint is not resolved to Your satisfaction or if Your complaint   606 1234.
is not regarding a claim, You should write to the Managing Director, N J
Heritage Partnership Ltd, 308-314 London Road, Hadleigh, Benfleet,
Essex SS7 2DD.



                                                        HELPFUL CONTACT NUMBERS

If you wish to make a claim under Scheduled Airline Failure                       International Passenger Protection Claims Office
or Dynamic Packaging Protection, please contact                                   Tel: 0208 776 3752         Fax: 0208 776 3751

If you wish to make a claim under Legal Expenses, please contact:                 DAS Legal Expenses Insurance Co. Ltd
                                                                                  Tel: 0117 934 2000       Fax: 0117 934 2109

If you need to contact the Health Check Line to declare a                         CSA Healthline
Pre-Existing Medical Condition please contact                                     Tel: 0844 826 2700

If you need 24 hour Emergency Medical Assistance Abroad or                        Mayday Assistance Limited
need to Curtail your trip please contact:                                         Tel: +44 (0) 844 826 2671 Fax: +44 (0) 844 826 2672

If you need a Claim Form please contact                                           Claims Settlement Agencies Limited
                                                                                  Tel: 0844 826 2644       Fax: 0844 826 2645


                                                                       NOTES