Policy Wording by xiuliliaofz

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									                                                             Policy Wording
                                                                                                                        6.     This insurance policy does not cover any claim
 YOUR POLICY WORDING                                        CLAIMS PROCEDURE                                                  which, but for the existence of this insurance,
                                                                                                                              would be covered under any other insurance
 This policy wording including any                          Medical                                                           policy(ies). This includes any amounts recovered
 endorsement issued by us forms a                           The assistance service will confirm whether                       by you from private health insurance, EHIC
                                                            your treatment or expenses are covered under                      payments, any reciprocal health agreements,
 contract of insurance between the                                                                                            airlines, hotels, home contents insurers or any
                                                            the terms of your policy and can liaise directly
 underwriters, Professional Travel                          with hospitals regarding your medical                             other recovery by you which is the basis of a
 Insurance Company Limited, and                             requirements and payment of bills. Should you                     claim. If, at the time of making a claim, we decide
 those people specified on your                             require specialist travel arrangements, the                       to settle our liability under your policy and there is
                                                            assistance service can make appropriate                           another policy covering the same risk, we will be
 insurance schedule. This contract is                                                                                         entitled to contact that insurer for a contribution
                                                            arrangements, based on medical necessity.
 only valid when you have a valid                                                                                             under our rights of subrogation.
 insurance schedule and have paid the                       In some cases it may be easier to pay minor
                                                                                                                        7.     We may, at any time, pay our full liability under
 appropriate premium.                                       expenses yourself. If you are in any doubt as to
                                                                                                                              the policy in final settlement.
                                                            whether these costs will be covered, contact
                                                            the assistance service for prior authorisation.             8.     We may, at our own expense, take proceedings
 Please read the following and if you                       Keep all receipts and medical reports and                         in your name to recover compensation or secure
 have any queries please contact                            submit a claim when you return home.                              an indemnity from any third party, insurance
 Customer Services tel: 0870 033 2269                                                                                         company, reciprocal health agreement, airline or
                                                            Curtailment                                                       hotel. Any monies so recovered or secured shall
                                                            Call the assistance service if you need to                        belong to us.
 FOR ALL SECTIONS:                                          return early for an insured reason.
                                                                                                                        9.    In the event of a claim, if we require a medical
 COVER WILL ONLY APPLY IF THE                                                                                                 examination you must agree to this. In the event
                                                            All Other Claims:
                                                                                                                              of death, we are entitled to a post mortem
 APPROPRIATE PREMIUM HAS                                                                                                      examination. The medical examination and post
 BEEN PAID AND COVER IS                                     •     Check the relevant policy section to see if                 mortem would be at our expense.
 SPECIFIED ON YOUR POLICY                                         you are covered.
                                                                                                                        10.   You must not make any payment, admit liability,
 SCHEDULE                                                                                                                     offer or promise to make any payment without
                                                            •     Check what documentation is required to
 1.     Read the terms and conditions stated in                   make a claim.                                               written consent from us.
       your policy documents. Contact                                                                                   11.   We are entitled to take over any rights in the
       Customer Services if the cover provided              •     Contact the Claims Service to request a                     defence or settlement of any claim and to take
       is inadequate for your needs.                              claim form.                                                 proceedings in your name for our benefit against
 2.     You may have a right to cancel the cover                                                                              any other party.
       up to 14 days from the date you receive              •      Submit your claim within 28 days of
       your policy documentation. If you have                     returning home. (In certain cases you
                                                                  may wish to claim whilst still travelling –
       such a Cancellation Right we will confirm
                                                                  this is possible but you must still adhere
                                                                                                                        DEFINITIONS APPLICABLE TO THE
       this to you on your policy schedule. You
       must contact us to activate this right.                    to the usual claims requirements).                    WHOLE POLICY
 3.     You have an obligation to notify us                 •      Keep copies of your completed claim                  Whenever the following words appear in this policy they
       immediately of any changes in your                         form and all supporting documentation                 will always have these meanings:
       circumstances (medical or otherwise)                       (originals must be submitted to the
       which may pose an increased risk to us.                    Claims Service).                                      We/Us/Our: Professional Travel Insurance Company
                                                                                                                        Limited and their appointed representatives.
 4.    If you wish to apply to have your policy
                                                            •      Keep any damaged items that are the                  You/Your: Each insured person as shown on your
       extended to cover any medical
                                                                  subject of a claim. They may be required              insurance schedule.
       conditions, contact us.
                                                                  for salvage/assessment.                               Accident: A sudden, unexpected, unusual, specific,
 5.     Ensure the limits (including single item                                                                        violent, external event which occurs at a single
       limits) of the policy are sufficient to cover        How the Claims Service deal with your                       identifiable time and place and independently of all other
       the items you intend to take with you                claim                                                       causes, results directly, immediately and solely in
       including cash and valuables.                                                                                    physical bodily injury which results in a loss. In no event
                                                            •     They will aim to assess your claim within             shall the contracting of any disease and/or illness, nor
 6.    If you intend to participate in Sports or                                                                        the injection or ingestion of any substance, be
                                                                  5 working days of receiving your
       Activities, ensure this is detailed on your                                                                      considered an accident. An event which directly or
                                                                  completed claim form.
       schedule.                                                                                                        indirectly exacerbates a previously existing physical
                                                                                                                        bodily injury shall not be considered an accident.
 7.    You will not be covered if you drive or              •      They may require you to provide further
                                                                                                                        Additional Sports Equipment: Items taken on a trip,
       ride on a motorcycle over 125cc whilst                     information, in which case your response
                                                                                                                        which are used exclusively for a sport or activity covered
       you are away.                                              will be assessed within 5 working days.
                                                                                                                        by your policy. The items must be declared to us,
 8.    Ensure all passports and visas are valid                                                                         shown on your insurance schedule and additional
       prior to paying your final balance.
                                                            •     They may appoint a loss adjuster to                   premium paid if required.
                                                                  discuss your claim in person.                         Assistance Service: the assistance service named on
 9.     You will not be covered if you choose to                                                                        the insurance schedule.
       travel to a specific area against the                •     They will settle all valid claims by sterling         Biological Weapons: the emission, discharge,
       advice issued by the Foreign and                           cheque.                                               dispersal, release or escape of any pathogenic (disease
       Commonwealth Office. www.fco.gov.uk –                                                                            producing) micro-organism(s) and/or biologically
       tel +44 (0) 207 008 0232/0233.                       Claims Service and Assistance                               produced toxin(s) (including genetically modified
                                                            Service contact details can be                              organisms and chemically synthesised toxins) which are
 10.    Obtain all appropriate vaccinations and
                                                            found on the back of your policy                            capable of causing incapacitating disablement or death
       travel advice from your local GP or travel
                                                                                                                        amongst people or animals.
       clinic. Online travel health advice:                 schedule                                                    Business Equipment: Any equipment you use for
       www.fitfortravel.scot.nhs.uk.
                                                                                                                        your business, trade or profession, as declared to us
 11.   If you are travelling to a country in the       CLAIMS CONDITIONS                                                and used for the sole purpose of your business trip,
       European Union, obtain the Health                                                                                provided this does not involve manual work of any kind.
       Advice for Travellers booklet from the                                                                           Cash: Any legal currency.
       Post Office. You should arrange to have         1.        You must exercise reasonable care to prevent           Chemical Weapons: the emission, discharge,
       an EHIC (European Health Insurance                       illness, accidental injury, loss or damage and          dispersal, release or escape of any solid, liquid or
       Card) issued and carry this with you                     exercise all reasonable care for the safety and         gaseous chemical compound which, when suitably
       when you travel.                                         supervision of your property, as if uninsured.          distributed, is capable of causing incapacitating
                                                                                                                        disablement or death amongst people or animals.
 12.   Take your insurance schedule, policy            2.       Original receipts and/or proof of ownership and         Close Business Associate: Any person whose
       wording and any endorsement issued by                    value must be supplied in the event of a claim.         absence from business for one or more complete days
       us with you when you travel.                                                                                     at the same time as your absence prevents the effective
                                                       3.        You must take all reasonable steps to recover any
                                                                lost or stolen article.                                 continuation of that business.
 13.    Allow sufficient time for your journey                                                                          Complications in Pregnancy: Assisted pregnancy,
       from home to your departure point in
                                                       4.       If we require any medical certificates, information,    multiple birth, more than one previous miscarriage,
       order to meet the specified check-in time.
                                                                evidence or receipts, these must be obtained by         ectopic pregnancy, pre-eclampsia, abnormal foetal
                                                                you, at your expense.                                   development, uterine or placental abnormality,
                                                                                                                        pregnancy related surgical procedure, termination for
                                                       5.        If any claim is found to be fraudulent, in amount or   medical reasons, birth prior to 36th week of pregnancy or
                                                                in any other respect, this will invalidate your         any pregnancy induced condition (e.g. diabetes or
                                                                insurance and all claims will be forfeited.             hypertension).
NCB-PW02-01
Country of Residence: The United Kingdom or as                       2.      when you first leave immigration control in            ** no Personal Liability / offshore rescue cover
stated on your insurance schedule.                                          the country of your final ticketed and
Curtail/Curtailment: Return home early to your                              declared destination.                                   You are NOT covered for any other Sports and
country of residence.                                          Personal Baggage: Your suitcases (or similar luggage                 Activities, unless declared to and agreed by us on
Documents: Travel tickets, passports and driving               carriers) and contents usually taken on a trip, together             your insurance schedule and an additional
licence held by you for social, domestic and/or pleasure       with articles worn or carried by you for your individual             premium paid if required.
purposes.                                                      use during your trip. (Not including any specialised
Endorsement: Any special terms and conditions added            items, medical or otherwise).
to your policy.                                                Pre-booked Accommodation: A hotel, hostel, bed and             E.    WORKING OVERSEAS
Excess: An amount deducted in the event of a claim             breakfast, rented holiday home, camping or caravan                   You are not covered for manual work overseas
that applies to each insured person involved and to            site, for which an invoice, bill, receipt or voucher can be          unless specified on your insurance schedule. In
every incident.                                                produced.                                                            any event, no cover is provided for Section 11,
Golf Equipment: Golf clubs, golf bags, golf trolley,           Public Transport: The following regular scheduled                    Personal Liability whilst working overseas.
waterproof clothing, golf umbrellas and golf shoes,            forms of transport: train, coach, taxi, bus, aircraft and
which are used exclusively for playing or practising golf.     sea vessel, on which you are a fare paying passenger.          F.     DISCLOSURE OF MATERIAL FACTS
Home: Your residential address in your country of              Terrorism: Any act of any person(s) acting on behalf of              It is a condition of this insurance that all material
residence.                                                     or in connection with any organisation whose activities              facts have been disclosed to us. Failure to do so
Immediate Relative: Mother, father, sister, brother,           are directed towards the overthrowing, influencing or                may invalidate this insurance. A material fact is
wife, husband, fiancé(e), common-law spouse, civil law         disruption of any government and/or to put the public, or            any fact, medical or otherwise, which poses an
partner, co-habiting partner (same or different sex),          any section of the public, in fear de jure or de facto by            increase in risk to us and is likely to influence us
daughter, son, grandparent, grandchild, parent-in-law,         use of force or violence and/or the threat of such use.              in the assessment, acceptance or continuance of
son-in-law, daughter-in-law, sister-in-law, brother-in-law,    Travelling Companion: The person with whom you                       your insurance.
step-parent, step-child, step-brother, step-sister or legal    have booked to travel on the planned trip. In the case of
guardian.                                                      a tour, travelling companion shall mean the person(s)          G.     APPLICABLE LAW
Medical Condition: Any medical condition, which has            shown on your booking form.                                          Both we and you are entitled to choose the law
been suffered or under investigation or review (routine        Valuables: Jewellery, watches, cameras, photographic                 applicable to the insurance policy. We propose
or otherwise), or for which medication, advice or              apparatus, binoculars, video equipment, mobile                       English Law and in the absence of any agreement
treatment has been received within the past 12 months          telephones and any audio or audiovisual equipment                    to the contrary, English Law will apply.
(prior to the date your policy is issued or the date the       including (but not limited to): tape recorders, cassettes
trip is booked – whichever is later). This includes            and players, radios, compact discs and players,                H.    RENEWAL OF ANNUAL POLICIES
longstanding conditions, surgery (including any elective       minidiscs and players, portable media players,                       Renewal of the insurance policy shall be at our
procedures), as well as injuries that may be exacerbated       computers and accessories, video games and TV sets,                  sole option and discretion.
by the activity/trip you propose to undertake and              prescribed medication.
pregnancy where there have been complications in               Winter Sports: On and off-piste skiing, blading and
pregnancy with this or a previous pregnancy.                   snowboarding, tobogganing and outdoor ice skating.
Medical Practitioner: A registered practising member           Winter Sports Equipment: Skis, bindings, ski boots, ski
                                                                                                                              MEDICAL CONDITIONS
of the medical profession who is not related to you or to      poles, snowboards and specialised clothing.
any person with whom you are travelling or intending to                                                                       We will not pay for any claim arising directly or indirectly
stay.                                                                                                                         as a result of a medical condition (see Definitions
Nuclear Weapons: The use of any explosive nuclear                                                                             Applicable to the Whole Policy) suffered by you, unless
                                                               GENERAL CONDITIONS                                             declared to us, agreed by us on your insurance
weapon or device or the emission, discharge, dispersal,
release or escape of fissile material emitting a level of                                                                     schedule and additional premium paid if required.
radioactivity capable of causing incapacitating                A.    INDEPENDENT TRAVEL
disablement or death amongst people or animals.                      Each person named on the insurance schedule is           You must notify us immediately you become aware of
Period of Insurance: The period of insurance is                      insured separately.                                      any change regarding your health. We will not pay
specified on your insurance schedule. If your return is                                                                       additional costs incurred following any change in
unavoidably delayed for an insured reason, cover will be                                                                      medical condition, unless this has been declared to
extended for the period of the delay. If the period of         B.    TERRITORIAL DEFINITIONS                                  and accepted by us in writing. (This means that if you
travel exceeds, or was intended to exceed, the trip limit            You are covered for travel within the geographical       make further payments e.g. book another trip or pay the
specified on your insurance schedule, then no cover will             region defined on your insurance schedule.               final balance of a trip previously booked, or if there is an
apply in respect of the entire period of travel (including                                                                    increase in the cancellation charges due to you not
the insured period under the policy).                                                                                         contacting us immediately, we are not liable for these
                                                               C.     POLICY EXCESS                                           additional costs).
a) Single Trip policies: Section 1,Cancellation cover is             The policy excess will be deducted in the event of
effective from the time and date of issue of the                     a claim under certain sections of the policy. The
insurance schedule and terminates on commencement                                                                             We will notify you in writing of any amendments to your
                                                                     excess will be charged per insured person for            policy conditions and advise you of any additional
of the planned trip. For all other sections, cover                   each incident that results in a claim. If a claim for
commences when you leave your home or business                                                                                premium that may be required. In certain cases we may
                                                                     an incident falls under more than one section of         be unable to offer cover.
(whichever is the later) to commence the trip and                    the policy, only the highest excess will be applied.
terminates on whichever occurs first of the following:
        1.    the expiry of the period of cover;                                                                              We reserve the right not to extend this insurance.
        2.    your return home as planned, at the end of       D.    SPORTS AND ACTIVITIES
             the trip;                                               You are covered to participate in the following          We cannot extend cover for claims relating to your
        3.    your first return home prior to the planned            sports and activities (provided you are not              travelling companion, an immediate relative or close
             return at the end of the trip (except in the            participating on a professional basis):                  business associate or a person with whom you have
             case of Backpacker policies, where if you                                                                        arranged to stay. Please refer to Section 1, Cancellation
             return to the UK within the planned trip                angling, archery*, athletics*(not including              and Section 2, Curtailment for full terms and conditions.
             dates, cover will be suspended from the time            marathon running), badminton, banana boating,
             you arrive in the UK and will only resume               baseball*, basketball, billiards, body boarding,
             once you leave immigration control in the               bowling, boxing training (no contact), camel             EXCLUSIONS APPLICABLE TO THE
             country of your next ticketed destination).             riding*, canoeing, catamaran sailing**, clay pigeon      WHOLE POLICY
b) Annual Multi-trip policies: Section 1, Cancellation               shooting, climbing (climbing wall), cricket*,
cover for each trip is effective from either the start date          croquet, curling, cycling (non-touring)*, dancing,
                                                                                                                              You are not covered for anything caused as a
on the insurance schedule or the time and date at which              darts, dinghy racing, dinghy sailing, elephant ride,
                                                                                                                              consequence of the following unless an endorsement
each trip is booked (whichever is the later), and                    fell walking, flag american football, football, golf,
                                                                                                                              has been issued by us:
terminates on whichever occurs first of the following:               gymnastics, helicopter ride (passenger), hiking,
        1.    the commencement of each trip, or                      horse/reindeer drawn sleigh, horse riding,               1.    any medical condition of you or anyone upon
        2.    the expiry of the period of cover.                     horse/mule trekking, hot air ballooning                        whom the trip depends;
For all other sections, cover commences when you                     (passenger), ice cricket*, jet skiing*, kite surfing
leave your home or business (whichever is the later) to              (on a lake)*, light aircraft rides (passenger) martial   2.    any claim which arises directly or indirectly from
commence each trip and terminates on whichever                       arts training, motorcycling under 125cc* (as a                 not being allowed to board a flight, train, sea
occurs first of the following:                                       means of transport only), netball, orienteering,               vessel, coach or bus, for any reason whatsoever;
        1.    the expiry of the period of cover;                     paint balling*, pony trekking, pool, rambling, rifle
                                                                                                                              3.    any claim which arises directly or indirectly from
        2.     your return home as planned, at the end of            range*, ringos, rounders, rugby league*, rugby
                                                                                                                                    depression, stress, anxiety or mental disorder;
             each trip;                                              union*, sailing** (in-shore & off-shore), scuba
        3.    your first return to your country of                   diving (max. 30m), sledging, snooker, snorkelling,       4.    suicide, attempted suicide, self inflicted injury,
             residence prior to the planned return at the            snow-shoeing, soccer, softball, squash*, surfing*,             alcohol or drug abuse, alcoholism, drug addiction,
             end of each trip;                                       swimming, swimming with dolphins, table tennis,                solvent abuse, wilful exposure to exceptional risk
        4.    your period of travel exceeding the trip limit         tennis, ten-pin bowling*, tobogganing (winter),                (unless you are trying to save someone’s life);
             specified in your insurance schedule.                   touch football, trampolining, trekking, tubing, tug-
For UK trips: you must have pre-booked                               o-war, volleyball, wake boarding, walking, walking       5.    sexually transmitted diseases;
accommodation for 2 nights or more.                                  up Sydney Harbour Bridge, water polo,
                                                                                                                              6.    HIV or a related illness including AIDS and/or any
c) One-way trips only: the period of insurance will                  waterskiing, wheelchair basketball, windsurfing
                                                                                                                                    mutant derivative thereof, however caused;
cease upon whichever occurs first of the following:                  (on a lake)*.
        1.    the expiry of the period of cover, or                                                                           7.    the crewing of a vessel or taking part in
                                                                     * no Personal Liability cover                                  expeditions;

NCB-PW02-01
8.    manual work of any kind;                                  possible, we will reimburse the lowest advertised fare by              b.    where at the departure date, you or your
                                                                the airline for the flight in question). Cancellation must                   travelling companion are travelling against
9.    travelling on motorcycles over 125cc;                     be necessary and unavoidable and not as a result of                          the advice of a medical practitioner or
10.    professional or organised sports (except those           disinclination to undertake your planned trip. Cover is                      travelling for the purpose of obtaining
      listed under General Conditions D), winter sports         only provided due to a cause listed below occurring                          medical treatment;
      (unless the appropriate premium has been paid             during the period of insurance:
                                                                                                                                 7.    additional cancellation costs incurred as a result
      and is shown on your insurance schedule, which            1.     accidental injury, serious illness, death or being              of not immediately telling the travel agent, tour
      covers you under a separate section of the                      subject to quarantine of you, any person with                    operator or provider of transport or
      policy), racing, speed or endurance tests or                    whom you are intending to travel or stay, an                     accommodation that you need to cancel the trip.
      dangerous pursuits;                                             immediate relative of yours or of any person with                We will only pay the cancellation charges that
11.   sports and activities not described in General                  whom you intend to travel or a close business                    would have applied at the time you knew it was
      Conditions D or declared to and agreed by us and                associate of yours;                                              necessary to cancel your trip, if a valid claim
      an additional premium paid if required and shown                                                                                 exists;
                                                                2.     you or your travelling companion discovering
      on your insurance schedule;                                     that you/they are pregnant after the date of issue         8.    any costs incurred on behalf of other party
12.   bankruptcy/liquidation of a tour operator, travel               of this policy or the date the trip was booked                   members who are not specified on the insurance
      agent or transport company;                                     (whichever was later), if the booked return date is              schedule;
                                                                      within 12 weeks (16 weeks for a multiple birth) of
13.    any losses that are not directly associated with the           the expected date of delivery, or complications in         9.    any costs recoverable from another source (e.g.
      incident that caused you to claim. For example,                 pregnancy, provided there have been no                           airport taxes);
      loss of earnings due to being unable to return to               complications in pregnancy with this or any                10.    any claim arising where you have not been able
      work following injury or illness occurring whilst on            previous pregnancy;                                              to receive the necessary inoculations or
      a trip, or the cost of replacing locks if keys are lost                                                                          vaccinations or obtain necessary visas for any
      whilst on a trip;                                         3.    you being called for jury service, attending court
                                                                      as a witness (but not as an expert witness or                    reason whatsoever;
14.   any costs incurred on behalf of other party                     where your employment would normally require               11.    any claim arising from any circumstances known
      members who are not specified on the insurance                  you to attend court);                                            about at the date of booking the trip or the date
      schedule;                                                                                                                        the policy was issued, which could reasonably
                                                                4.    you or any person with whom you have arranged
15.   any costs recoverable from another source;                      to travel being made redundant where you/they                    have been expected to give rise to the
                                                                      have been employed for two continuous years                      cancellation of the trip;
16.   any payment which you would normally have                       with the same employer at the time of being made
      made during your travels, if no claim had arisen;                                                                          12.   anything listed in “Exclusions Applicable to the
                                                                      redundant and are under the normal retirement                    Whole Policy”.
17.    travelling to a specific area against the advice               age for someone holding that position;
      issued by the Foreign and Commonwealth Office;            5.    your home or place of business being made
18.   failure to comply with laws applicable to the                   uninhabitable, within 14 days prior to the date of         SECTION 2
      country in which you are travelling;                            travel, or the police asking to see you after a theft
                                                                      from your home which occurred within 14 days of            CURTAILMENT
19.   air travel (other than as a fare-paying passenger               travel;
      on a regular scheduled airline or licensed charter
                                                                6.    your posting overseas or emergency and
                                                                                                                                 Covered
      aircraft);
                                                                      unavoidable duty if you are a member of the
                                                                                                                                 You are covered up to the amount specified on your
20.                                                                   medical or nursing professions, police, fire or
                                                                      ambulance services;                                        policy schedule for:
      a.     ionising radiation or radioactive
                                                                                                                                 1.    the value of the portion of your travel and pre-
             contamination from nuclear fuel or nuclear         7.    prevention of travel by British Government
             waste or any risk from nuclear equipment                 restriction;                                                     booked accommodation expenses, calculated
                                                                                                                                       from the date of your return to your home, which
      b.     the radioactive toxic explosive or other           8.     a government directive prohibiting all travel to the            have not been used and which were paid for
             hazardous properties of any explosive                    country or area you were planning to visit, as a                 before your departure from your country of
             nuclear assembly or nuclear component                    result of a natural disaster (e.g. earthquake, fire,             residence.
             thereof;                                                 flood, hurricane) or epidemic;
                                                                                                                                 2.    reasonable additional travelling expenses (on the
21.    any consequence whether direct or indirect of            9.    abandonment of your trip as a result of more than                same basis as your original booking) authorised
      war, invasion, act of foreign enemy, hostilities                24 hours travel delay on your outward flight, sea                by us and incurred by you for returning to your
      (whether war be declared or not), any acts of                   crossing, coach or train departure from your                     home earlier than planned due to a cause listed
      terrorism*, civil war, rebellion, revolution,                   country of residence (see Section 9, Travel                      below:
      insurrection, blockade, military or usurped power;              Delay and Trip Abandonment).
                                                                                                                                       a.     accidental injury to or serious illness or
22.   any criminal or illegal act committed by you or           Not Covered                                                                   death of you, any person with whom you
      your travelling companion;                                                                                                              intend to travel, an immediate relative of
                                                                1.    the policy excess as specified on your policy                           yours or of the person with whom you
23.   any loss which has not been conclusively proven                 schedule;                                                               intend to travel or a close business
      and the amount claimed substantiated;                                                                                                   associate;
                                                                2.    medically related claims where a certificate has
24.    any claim covered by an employer’s insurance for               not been obtained from a medical practitioner,                   b.     complications in pregnancy of you or
      the benefit of an employee.                                     confirming that cancellation of the trip is necessary                   your travelling companion, provided
                                                                      on medical grounds;                                                     there have been no complications in
* Terrorism is covered under Section 3: Personal
                                                                                                                                              pregnancy with this or any previous
Accident, Section 4: Emergency Medical                          3.     any claim arising directly or indirectly as a result of                pregnancy;
Expenses/Repatriation and Section 5: Additional                       a medical condition (see Definitions Applicable
Hospital Benefit, but not as the sole result of nuclear,              to the Whole Policy) suffered by you, unless                     c.     your home or place of business being
chemical or biological weapons of mass destruction                    declared to us, agreed by us on your insurance                          made uninhabitable or the police asking to
however these may be distributed or combined.                         schedule and additional premium paid if required;                       see you after a theft from your home.

                                                                4.     medically related claims as a result of your              Conditions
                                                                      travelling companion, an immediate relative or
FOR ALL SECTIONS:                                                     close business associate of you or the person              1.     You must contact the assistance service for
                                                                      with whom you have arranged to stay on the trip,                 assistance/advice if you need to cut short your
COVER WILL ONLY APPLY IF THE                                                                                                           trip for an insured reason.
                                                                      having suffered a condition or for which they have
APPRORIATE PREMIUM HAS BEEN PAID                                      received medication, medical advice or treatment
AND COVER IS SPECIFIED ON YOUR                                                                                                   2.     You must use or revalidate your original ticket for
                                                                      within six months prior to the date this policy was
                                                                                                                                       your early return. If this is not possible you must
POLICY SCHEDULE                                                       issued or the date the trip was booked (whichever
                                                                                                                                       provide evidence that additional costs were
                                                                      is later);
                                                                                                                                       necessary. Any refunds due on unused original
SECTION 1                                                       5.    complications in pregnancy if there have been                    tickets will be deducted from your claim. If you do
CANCELLATION                                                          complications in pregnancy with this or any                      not have an original return ticket, you will not be
                                                                      previous pregnancy;                                              reimbursed for costs incurred for your early
                                                                                                                                       return.
Covered                                                         6.    any claim:
                                                                                                                                 3.    If you require the assistance service to pay for
You are covered up to the amount specified on your                    a.    where at the time of taking out this                       arrangements, they may first need to contact the
policy schedule for travel and pre-booked                                   insurance, the person whose condition                      relevant medical practitioner to confirm your
accommodation cancellation costs relating only to                           gives rise to the claim is an in-patient in (or            claim falls within the terms of your cover.
those people specified on the insurance schedule. (If                       awaiting admission or booked to be
travel arrangements were paid for by Air Miles or by any                    admitted to) a hospital, hospice or nursing          4.    If you make your own arrangements you must
other form of redeemable vouchers, reimbursement will                       home;                                                      supply all necessary documentation to
be the reinstatement of the Air Miles or redeemable                                                                                    substantiate that your claim falls within the terms
vouchers to their original account. If reinstatement is not                                                                            of cover.
NCB-PW02-01
5.     This policy does not provide compensation for                   and the permanent total disablement benefit will             EHIC or another reciprocal health agreement to
      loss of enjoyment.                                               not apply;                                                   reduce the amount of your claim.

Not Covered                                                      3.     The permanent total disablement benefit is limited    5.    If you require medical treatment in Australia, you
                                                                       to 50% if you were not employed for six months               must register with Medicare via their local office.
1.    the policy excess as specified on your policy                    prior to the departure date of the trip in which the         (Any treatment not available under Medicare must
      schedule;                                                        accident occurred.                                           be authorised by the assistance service).
2.     claims that are not confirmed as medically                4.    No benefits shall be paid for more than one loss       6.     In the event of repatriation, if you do not have an
      necessary by the assistance service, and where                   suffered                                                     original return travel ticket, you may not
      a medical certificate has not been obtained from                                                                              be covered for costs incurred in your repatriation.
      the attending medical practitioner, confirming the         5.    You must agree to examination by our medical                 Any value remaining in unused original return
      necessity to curtail;                                            and/or vocational advisors.                                  travel tickets which is recoverable shall be
                                                                                                                                    deducted from the amount of the claim.
3.     any claim arising directly or indirectly as a result of   Not Covered
      a medical condition (see Definitions Applicable                                                                         7.    We reserve the right to:
      to the Whole Policy) suffered by you, unless               1.    any claims caused as a consequence of:
      declared to us, agreed by us on your insurance                                                                                a.    repatriate you when, in the opinion of the
                                                                       a.    disease or any physical defect or illness;                   treating doctor and the assistance service,
      schedule and additional premium paid if required;
                                                                       b.    an injury which existed prior to the                         you are fit to travel;
4.     medically related claims as a result of your travel                   beginning of the trip/purchase of the policy;
      companion, an immediate relative or close                                                                                     b.    avoid further liability in the event that you
      business associate of you or the person with               2.    terrorism, only as the sole result of nuclear,                     refuse repatriation when, in the opinion of
      whom you have arranged to stay on the trip,                      chemical or biological weapons of mass                             the treating doctor and the assistance
      having suffered a condition or for which they have               destruction however these may be distributed or                    service, you are fit to travel;
      received medication, medical advice or treatment                 combined;                                                    c.    transfer you to the hospital, clinic or location
      within six months prior to the date this policy was                                                                                 of our choice when, in the opinion of the
      issued or the date the trip was booked (whichever          3.    anything listed in “Exclusions Applicable to the
                                                                       Whole Policy”.                                                     treating doctor and the assistance
      is later);                                                                                                                          service, you are fit to be transferred.
5.    complications in pregnancy if there have been
      complications in pregnancy with this or any                                                                             Not Covered
      previous pregnancy;                                        SECTION 4                                                    1.    the policy excess as specified on your policy
6.    additional travelling expenses incurred which are
                                                                 EMERGENCY MEDICAL EXPENSES                                         schedule;
      not authorised by the assistance service;                  / REPATRIATION                                               2.     any medical or dental treatment costs incurred in
7.    unused prepaid travel tickets where repatriation                                                                              the United Kingdom or your country of
      has been arranged by you or the assistance                 Covered                                                            residence;
      service;                                                                                                                3.    any medical costs which are foreseen;
                                                                 This section includes cover for claims resulting from
8.    any claim:                                                 terrorism.                                                   4.     any transport or accommodation costs incurred in
      a.    where at the time of taking out this                                                                                    the United Kingdom or your country of
                                                                 You are covered up to the amount specified on your                 residence, unless authorised by the assistance
            insurance, the person whose condition                policy schedule for costs incurred outside your country
            gives rise to the claim is an in-patient in (or                                                                         service;
                                                                 of residence for:
            awaiting admission or booked to be                                                                                5.    any costs covered under a reciprocal health
            admitted to) a hospital, hospice or nursing          1.    reasonable emergency medical treatment                       arrangement (e.g. EHIC within EU countries,
            home, unless this has been declared to us                  (including necessary physiotherapy but only when             reciprocal cover in Austria, Channel Islands, Eire
            and accepted by us in writing;                             authorised by the assistance service);                       and New Zealand, Medicare in Australia);
      b.    where at the departure date, you or your             2.     emergency dental treatment (for pain relief only),    6.     any costs recoverable from another source; (e.g.
            travelling companion are travelling against                limited to the amount specified on your policy               where another insurance may cover the same
            the advice of a medical practitioner or                    schedule;                                                    loss);
            travelling for the purpose of obtaining
            medical treatment.                                   3.    necessary additional travelling expenses (on the       7.    complications in pregnancy if there have been
                                                                       same basis as your original booking) and                     complications in pregnancy with this or any
9.    anything listed in “Exclusions Applicable to the                 reasonable and necessary additional                          previous pregnancy;
      Whole Policy”;                                                   accommodation expenses (bed and breakfast
                                                                       only). This includes those of one relative or travel   8.     any claim where at the time of taking out this
                                                                       companion if you have to be accompanied home                 insurance, the person whose condition gives rise
                                                                       on medical advice or on compassionate grounds                to the claim is an in-patient in (or awaiting
SECTION 3                                                              or if you are a child and require an escort home             admission or booked to be admitted to) a hospital,
PERSONAL ACCIDENT                                                      (in the event that they have applied for and                 hospice or nursing home;
                                                                       received written authorisation from the assistance
                                                                       service);                                              9.     any claim where at the departure date, you or
                                                                                                                                    your travel companion are travelling against the
Covered                                                          4.    repatriation to your home by medically                       advice of a medical practitioner or travelling for
                                                                       appropriate means, as determined by the                      the purposes of obtaining medical treatment;
This section includes cover for claims resulting from
                                                                       assistance service;
terrorism.                                                                                                                    10.    any claim arising directly or indirectly as a result of
                                                                 5.    in the event of your death: reasonable costs for             a medical condition (see Definitions Applicable
You are covered up to the amount specified on your
                                                                       the transport of your body or ashes to your                  to the Whole Policy) suffered by you, unless
policy schedule for benefits, which will be paid to you or                                                                          declared to us, agreed by us on your insurance
                                                                       country of residence (the cost of burial or
your legal representative, if you sustain bodily injury                                                                             schedule and additional premium paid if required;
                                                                       cremation is not included); or local funeral
caused by an accident and at the end of 12 months of
                                                                       expenses abroad, limited to the amount specified
the occurrence of that accident, it is the sole cause of:                                                                     11.   any claim arising directly or indirectly as a result of
                                                                       on your policy schedule.
                                                                                                                                    a change regarding your health (including injury
1.    your death;
                                                                 6.    reasonable emergency medical expenses for                    and complications in pregnancy) occurring
2.    the physical loss of or permanent and total loss of              complications in pregnancy, provided you have                before the start of your trip, which has not been
      use of one or more limbs at or above the wrist or                not had any complications in pregnancy with                  declared to and accepted by us in writing;
      ankle;                                                           this or any previous pregnancy.
                                                                                                                              12.    any costs for in-patient treatment, on-going out-
3.    the complete and irrecoverable loss of sight in one        Conditions                                                         patient treatment or curtailment of a trip on
      or both eyes;                                                                                                                 medical grounds without prior authorisation from
                                                                 1.     You must contact the assistance service                     the assistance service;
4.     permanent total disablement which prevents you                  immediately should you be admitted to hospital or
      from attending to any business or occupation in                  require on-going out-patient treatment overseas.       13.    any costs for surgery or medical treatment which,
      any capacity for a period of 12 months and which,                                                                             in the opinion of the assistance service, can
      in the opinion of our medical and/or vocational            2.    All treatment or expenses must be authorised by              reasonably be delayed until your return to your
      advisors, will not improve;                                      the assistance service.                                      country of residence;
                                                                 3.    You must maintain contact with the assistance          14.   any costs for medication and/or treatment which,
Conditions                                                             service until your return to your country of                 at the time of departure, is known to be required or
1.    Points 2, 3 and 4 above may be subject to the                    residence or until you no longer require treatment           continued outside your country of residence;
      Continental Scale of Benefits (available on                      or assistance.
                                                                                                                              15.   the cost of any routine or elective (non-
      request);
                                                                 4.     If you are travelling to a country in the European          emergency) care or treatment, including specialist
2.     if you are aged under 16 or over 70 at the time of              Union, you must take an EHIC (European Health                review or referral, investigations, treatment or
      the accident, the death benefit will be limited to               Insurance Card) with you. We will waive the                  surgery, including complications arising from
      funeral and other reasonable costs up to £3,000                  policy excess under this Section if you use the

NCB-PW02-01
      cosmetic or elective surgery that you have             B: DELAYED BAGGAGE                                             11.   loss, destruction, damage or theft of the following
      received, whether before or during your trip;          You are covered up to the amount specified on your
                                                             policy schedule for the cost of buying emergency                     property:
16.   claims that are not confirmed as medically             necessities if your personal baggage is delayed in
      necessary by the assistance service;                   reaching you on your outward journey for at least 12                 a.     corneal lenses, hearing aids and dentures;
17.   additional hospital costs arising from single or       hours and you have a written report from the carrier
                                                                                                                                  b.     glass, china, pictures, musical instruments,
      private room accommodation, unless medically           (e.g. airline, shipping company etc.) or tour
                                                                                                                                         antiques and precious stones;
      necessary;                                             representative. Receipts will be required in the event of
                                                             a claim.                                                             c.     pedal cycles, dinghies, boats and/or
18.   further costs you incur if we wish to bring you                                                                                    ancillary equipment, vehicles or vehicle
      home early but you refuse (where in the opinion        Conditions                                                                  accessories (other than non-motorised
      of the treating doctor and the assistance service                                                                                  wheelchairs and pushchairs);
      you are fit to travel);                                1.    Any amount we pay you under B (Delayed
                                                                   Baggage) will be deducted from the final claim                 d.     tools of trade;
19.   travelling on motorcycles over 125cc (unless an              settlement if your personal baggage is
      endorsement has been issued by us);                                                                                         e.     perishable items e.g. food;
                                                                   permanently lost.
20.   terrorism, only as the sole result of nuclear,                                                                        12.   loss, destruction, damage or theft due to:
                                                             2.    You must obtain written proof of the incident from
      chemical or biological weapons of mass                       the police, your accommodation management,                     a.     confiscation or detention by Customs or
      destruction however these may be distributed or              tour operator or carrier, within 24 hours of the                      other officials or authorities;
      combined;                                                    discovery in the event of loss, burglary or theft of
                                                                   the personal baggage. Failure to do so may                     b.     wear and tear, process of cleaning, denting
21.   anything listed in “Exclusions Applicable to the
                                                                   result in your claim being turned down.                               or scratching, staining, moth or vermin;
      Whole Policy”.
                                                             3.     In the event of a claim for damaged items, proof of           c.     transportation by any postal service;
                                                                   the damage must be supplied.
                                                                                                                            13.   electrical or mechanical breakdown or
SECTION 5                                                    4.     In the event of a claim for a pair or set of items,           manufacturing fault;
ADDITIONAL HOSPITAL BENEFIT                                        we shall be liable only for the value of that part of
                                                                                                                            14.    breakage of fragile or brittle articles being
                                                                   the pair or set which is lost, stolen, damaged or
                                                                                                                                  transported by a carrier, unless the breakage is
This benefit payment contributes towards miscellaneous             destroyed.
                                                                                                                                  due to fire or other accident to the vessel, aircraft
expenses incurred whilst you are an in-patient (e.g. taxi
                                                             5.     If the repair cost is more than the value of an item,         or vehicle in which they are being carried;
fares and telephone calls). It does not provide
compensation for loss of holiday/enjoyment.                        we will assess the claim as if the item has been
                                                                                                                            15.   any property more specifically insured or
                                                                   lost.
                                                                                                                                  recoverable under any other source. Any
Covered                                                      Not Covered                                                          reimbursement received will be deducted from the
                                                                                                                                  amount of your claim under this section;
This section includes cover for claims resulting from        1.    the policy excess as specified on your policy
                                                                   schedule under A (Personal Baggage);                     16.   stamps, documents, deeds, samples or
terrorism.
                                                                                                                                  merchandise, manuscripts or securities of any
                                                             2.    any item, pair or set of items with a value of over            kind;
You are covered up to the amount specified on your
policy schedule for:                                               £50, if an original receipt, valuation report or other
                                                                                                                            17.   winter sports equipment or golf equipment
                                                                   acceptable proof of ownership and value cannot
                                                                                                                                  (unless the appropriate premium has been paid
1.    each complete 24 hours you spend in hospital as              be supplied to support your claim. The total
                                                                                                                                  and is shown on your insurance schedule, which
      a result of you being admitted as an in-patient to a         amount payable for all such items will be £250;
                                                                                                                                  covers you under a separate section of the
      registered hospital. This is in addition to any
                                                             3.    if you do not exercise reasonable care for the                 policy), or additional sports equipment (unless
      medical expenses incurred under Section 4,
                                                                   safety and supervision of your property;                       declared to us, shown on your insurance
      Emergency Medical Expenses.
                                                                                                                                  schedule and additional premium paid if required).
                                                             4.     personal baggage left unattended by you, unless               There is no cover whatsoever for additional
Conditions                                                         located in locked accommodation and where an                   sports equipment whilst in use;
1.    This benefit is payable only if the hospital                 appropriately sized safety deposit box was not
      admission has been covered under the terms of                available for use by you;                                18.   anything listed in “Exclusions Applicable to the
                                                                                                                                  Whole Policy”.
      Section 4, Emergency Medical Expenses.                 5.    personal baggage left in the custody of a person
2.    In the event of a claim you must provide                     who does not have an official responsibility for the
      documentation confirming the date and time of                safekeeping of the property;
      admission and discharge.                                                                                              SECTION 7
                                                             6.    personal baggage stolen from an unattended
                                                                   vehicle:                                                 CASH AND DOCUMENTS
Not Covered
                                                                   a.     unless it was in the locked glove                 Covered
1.    terrorism, only as the sole result of nuclear,                      compartment or locked rear boot or
      chemical or biological weapons of mass                              luggage area of the vehicle and is covered
      destruction however these may be distributed or                                                                       You are covered up to the amount specified on your
                                                                          so as not to be visible from the outside of       policy schedule for accidental loss or theft of your own
      combined;                                                           the vehicle;
                                                                                                                            cash and/or documents. Cash is only covered whilst
2.    anything listed in “Exclusions Applicable to the             b.     if there is no visible evidence of forcible and   being carried on your person or left in a locked safety
      Whole Policy”.                                                      violent entry;                                    deposit box. Cash is limited to the amount specified on
                                                                                                                            your policy schedule, unless you are under 16 years of
                                                                   c.     left for any period between the hours of          age, in which case the maximum payable is £50.
                                                                          8pm and 8am (other than motor homes);
SECTION 6
                                                             7.    valuables left in a motor vehicle (other than motor      Condition
BAGGAGE                                                            homes, provided the valuables are stored out of          1.     In the event of a claim for loss of cash you must
                                                                   view);                                                         provide evidence of the initial withdrawal of the
Covered
                                                             8.     valuables within checked-in luggage or in                     cash and also evidence of how you coped
                                                                   luggage compartments/racks not immediately                     financially immediately after the loss (e.g. currency
A: PERSONAL BAGGAGE
                                                                   adjacent to you on any form of public transport                exchange/withdrawal slips, bank/credit card
You are covered up to the amount specified on your
                                                                   (other than hand luggage that stays with you at all            statements).
policy schedule for the value of or repair to any of your
own personal baggage (not hired, loaned or entrusted               times);
                                                                                                                            Not Covered
to you), which is lost, stolen, damaged or destroyed         9.    damage to personal baggage whilst in the
(after making proper allowance for wear and tear and               custody of an airline;                                   1.    the policy excess as specified on your policy
depreciation) limited to:                                                                                                         schedule;
                                                             10.   if your personal baggage is lost or delayed in
      a.     the Single Item Limit (see policy schedule)           transit and you do not:                                  2.     if you do not exercise reasonable care in
             for any one item, pair or set of items;                                                                              protecting your cash and documents against
                                                                   a.     notify the carrier (i.e. airline, shipping              loss, theft or damage;
      b.     the Valuables Limit (see policy schedule)
                                                                          company etc) immediately and obtain a
             for all valuables in total;                                                                                    3.     documents left unattended by you, unless
                                                                          written carrier’s report (or Property
                                                                          Irregularity Report in the case of an airline);         located in locked accommodation and where an
      c.     the limit for personal baggage on the
                                                                          or                                                      appropriately sized safety deposit box was not
             beach (see policy schedule);                                                                                         available for use by you;
                                                                   b.     follow up in writing within 7 days to obtain a
      d.     the maximum payment for                                      written carrier’s report (or Property             4.    documents left in the custody of a person who
             spectacles/contact lenses or sunglasses                      Irregularity Report in the case of an airline)          does not have an official responsibility for the
             (see policy schedule).                                       if you are unable to obtain one                         safekeeping of the property;
                                                                          immediately;                                      5.    documents stolen from an unattended vehicle:

NCB-PW02-01
      a.     unless they were in the locked glove                    already been declared and therefore there was no       4.    any costs claimed under Section 9, Travel Delay
             compartment or locked rear boot or                      reasonable expectation that this would affect your           and Abandonment, which relate to the same trip;
             luggage area of the vehicle and were                    trip);
             covered so as not to be visible from the                                                                       5.    anything listed in “Exclusions Applicable to the
             outside of the vehicle;                           we will pay up to the amounts specified on your policy             Whole Policy”.
                                                               schedule per insured person for each complete 12 hours
      b.     if there is no visible evidence of forcible and   you are delayed. If you incur more than 24 hours delay
             violent entry;                                    on your outward flight, sea crossing, coach or train
                                                               departure from your country of residence, you may
                                                                                                                            SECTION 11
      c.     left for any period between the hours of          abandon your trip and claim under Section 1,                 PERSONAL LIABILITY
             8pm and 8am (other than motor homes);             Cancellation (less the excess);
6.    if you do not obtain a written police report within                                                                   Covered
      24 hours of the discovery in the event of loss,          B:
      burglary or theft of cash and/or documents;              If you abandon your trip as a result of your vehicle         You are covered up to the amount specified on your
                                                               being involved in an accident or mechanical breakdown        policy schedule for legal expenses and legal liability for
7.    any shortages due to error, omission or                  en route to your departure point from your country of        damages incurred by you which are caused by an
      depreciation in value;                                   residence, rendering it impossible for you to undertake      accident that occurred during your trip, leading to a
                                                               your planned itinerary, we will pay up to the limit under    claim made against you as a result of:
8.    any costs claimed under Section 8, Loss of               Section 1, Cancellation (less the excess).
      Passport/Driving Licence Expenses;                                                                                    1.    accidental bodily injury to a person who is not a
9.    anything listed in “Exclusions Applicable to the         Conditions                                                         member of your family or household, a travelling
      Whole Policy”.                                                                                                              companion or employed by you;
                                                               1.     In the event of a claim due to delayed public
                                                                     transport you must provide documentation from          2.    loss of or damage to any property which does not
                                                                     the transport company, confirming the period of              belong to, is not in the charge of, and is not in the
SECTION 8                                                            and the reason for the delay.                                control of you or any member of your family,
                                                                                                                                  household, any travelling companion or employee
LOSS OF PASSPORT/DRIVING                                       2.    In the event of a claim due to vehicle breakdown,            (except hired wheelchairs);
LICENCE EXPENSES                                                     you must provide a police or roadside assistance
                                                                     report.                                                3.     loss of or damage to your temporary holiday
                                                                                                                                  accommodation that does not belong to you, or
Covered                                                        Not Covered                                                        any member of your family, household, any
                                                                                                                                  travelling companion or anyone employed by you.
In the event of accidental loss or theft of your passport /    1.    the policy excess as per Section 1, Cancellation if
driving licence, you are covered up to the amount                    you abandon your trip;                                 Conditions
specified on your policy schedule for:
                                                               2.    where you have not checked in, allowing                1.    No liability shall be admitted and no admission,
                                                                     sufficient time, for your outward or return journey;         arrangement, offer, promise or payment shall be
1.    reasonable travel or accommodation expenses
      over and above any payment which you would                                                                                  made by you without our written consent.
                                                               3.    any claims arising from withdrawal from service
      normally have made during your trip if no loss                 temporarily or otherwise of the aircraft, coach,       2.    We are entitled to take over any rights in the
      had been incurred;                                             train or sea vessel on the orders or                         defence or settlement of any claim and to take
2.    the cost of an emergency passport to enable you                recommendation of the Civil Aviation Authority or            proceedings in your name for our benefit against
      to continue your trip as planned.                              a Port Authority or similar body in any country;             any other party.
                                                               4.    internal flights which do not form part of your        3.     You must, wherever possible, provide all such
Condition                                                            outbound or inbound journey to/from your                     information and assistance as we require.
1.    You must provide receipts for all costs incurred.              country of residence;
                                                                                                                            Not Covered
                                                               5.    anything listed in “Exclusions Applicable to the
Not Covered                                                          Whole Policy”.                                         1.    the policy excess as specified on your policy
1.    the policy excess as specified on your policy                                                                               schedule;
      schedule;                                                                                                             2.    fines imposed by a Court of Law or other relevant
2.    any costs that you would have incurred had you
                                                               SECTION 10                                                         bodies;
      not lost your passport or driving licence;               MISSED DEPARTURE                                             3.    anything caused as a consequence of:
3.     if you do not exercise reasonable care for the          This section does not apply to trips within your country           a.          liability which you incur as a result of an
      safety or supervision of your passport/driving           of residence.                                                                  agreement that you made which would not
      licence;                                                                                                                                apply in the absence of that agreement;
4.    costs arising from any loss not covered under            Covered                                                            b.          injury, loss or damage arising from:
      Section 7, Cash and Documents;
                                                               You are covered up to the amount specified on your                       i.        ownership or use of aircraft, horse-
5.    if you do not obtain a written police report within      policy schedule for necessary hotel and travelling                                 drawn or mechanical/motorised
      24 hours of the loss;                                    expenses (not including food, drink and telephone                                  vehicles, bicycles, vessels (other than
6.    loss, destruction or damage arising from                 expenses) incurred in reaching your booked                                         rowing boats, punts or canoes),
      confiscation or detention by Customs or other            destination, if you arrive too late to commence your                               animals or firearms;
      officials or authorities;                                booked trip from or to your country of residence as a
                                                               result of:                                                              ii.        the occupation (except temporarily for
7.    anything listed in “Exclusions Applicable to the                                                                                            the purpose of the trip) or ownership of
      Whole Policy”.                                           1.     the vehicle in which you are travelling being                               any land or buildings;
                                                                     involved in an accident or breakdown or you being
                                                                     delayed as a result of a major accident on a                      iii.       the carrying out of any trade,
                                                                     motorway;                                                                    profession, manual work or hazardous
SECTION 9                                                                                                                                         occupation;
                                                               2.    the public transport used being delayed.
TRAVEL DELAY AND TRIP                                                                                                                  iv.        racing of any kind;
ABANDONMENT                                                    Conditions                                                              v.         any deliberate or criminal act;
                                                               1.    In the event of a claim due to vehicle breakdown       4.    liability as an employer or under any other
This section does not apply to trips within your country
                                                                     or a road accident, you must provide a police or             contract or insurance policy;
of residence.
                                                                     roadside assistance report.
                                                                                                                            5.    all forms of pollution and contamination;
Covered                                                        2.     In the event of a claim due to delayed public
A:                                                                   transport you must provide documentation from          6.    anything listed in “Exclusions Applicable to the
In the event of your outward or return flight, sea                   the transport company, confirming the period of              Whole Policy”.
crossing, coach or train departure to or from your                   and the reason for the delay.
country of residence being delayed for more than 12
hours beyond the intended departure time (as specified         Not Covered
on your travel ticket) as a result of:
                                                                                                                            SECTION 12
                                                               1.    the policy excess as specified on your policy          LEGAL EXPENSES
1.    adverse weather conditions;                                    schedule;

2.    mechanical breakdown or technical fault of the           2.     if sufficient time has not been allowed for your      Covered
      aircraft, coach, train or sea vessel;                          journey in order to meet the check-in time
                                                                     specified by the transport providers or agent;         You are covered up to the amount specified on your
3.     strike, industrial action or security alert (provided                                                                policy schedule for legal costs and expenses incurred to
      that when this policy was issued or the trip was         3.    if you are not proceeding directly to the departure    claim for compensation or damages if you suffer
      booked, whichever was later, no such action had                point;

NCB-PW02-01
physical bodily injury or you die during the period of          travelling as a passenger.                                  subsequent to, achieving a hole-in-one during a
your trip as a result of an accident.                                                                                       competition round.
                                                                Not Covered
Conditions                                                                                                                  Condition
                                                                1.     if you or your family or your business associates
1.     You must obtain as much information as possible,               have engaged in activities that could be expected     1.     In the event of a claim you must provide a letter
      including police reports, witness details and any               to increase the risk of hijack;                             from the relevant Golf Club Secretary confirming
      photographs and contact the Claims Service as                                                                               the competition name and date, a certified copy of
      soon as possible, submitting your request in              2.    anything listed in “Exclusions Applicable to the            your score card, countersigned by your opponent
      writing.                                                        Whole Policy”.                                              and by the Official Scorer for the competition and
                                                                                                                                  an original, dated Golf Club bar receipt.
2.    We shall have control over the legal proceedings
      and the selection, appointment and control of a                                                                       Not Covered
      solicitor. You must follow the advice provided by         SECTION 14
      our appointed legal representatives. Failure to do        GOLF COVER                                                  1.    the policy excess as specified on your policy
      so will result in cover being withdrawn.                                                                                    schedule (except under F: Hole-in-One);

3.    In the event that you are awarded legal costs as          Covered                                                     2.    anything not covered in Section 6, Baggage;
      part of any judgement or settlement, we shall be                                                                      3.    loss or theft of golf equipment from:
      entitled to repayment by you of any sums paid             A: GOLF MEDICAL
      under this Section.                                       The Emergency Medical Expenses/Repatriation section               a.     an unattended motor vehicle (other than
                                                                of this policy is extended to cover you whilst you are                   motor caravans) unless totally concealed in
4.     In the event that you are awarded compensation           playing golf.                                                            a locked boot or totally concealed under the
      (by judgement or settlement), we shall be entitled                                                                                 parcel shelf/manufacturer’s fitted cover;
      to recover from you, any sums paid to you under           B: GOLF LIABILITY
      any Section of this policy on account of the same         The Personal Liability section of this policy is extended         b.     an unattended motor vehicle left for any
      incident for which compensation is received.              to cover you whilst you are playing golf.                                period between the hours of 8pm and 8am;
5.     If there is more than one insured claiming, we                                                                       4.    loss or theft from a vehicle where there is no
      shall apply a maximum limit of double the                 C: GOLF EQUIPMENT                                                 visible evidence of forcible and violent entry;
      individual sum insured in respect to all claimants.       You are covered up to the amount specified on your
                                                                policy schedule to repair or replace your own golf          5.    deliberate damage or gross misuse of the
Not Covered                                                     equipment (after making proper allowance for wear and             equipment;
                                                                tear and depreciation) or hired golf equipment, if they
1.    the policy excess as specified on your policy             are lost, stolen or damaged during your trip, limited to    6.    anything listed in “Exclusions Applicable to the
      schedule, which will be refunded to you if we             the single item limit (see policy schedule) for any one           Whole Policy”.
      recover our outlay in full from the settlement            item. The claim settlement may take into account any
      received;                                                 discount that would be available to us if we exercise our
2.     any claim reported to us more than 30 days after
                                                                right to purchase the replacement golf equipment using      SECTION 15
                                                                a supplier which may be determined by us.
      the occurrence of the incident giving rise to the
      claim;
                                                                Condition
                                                                                                                            WINTER SPORTS COVER
3.     costs incurred in pursuit of any claim against us,
      our agents, an Insurer underwriting any section of        1.    You must obtain written proof of the incident from    Covered
      this policy, a travel agent, a tour operator or                 the police (or an authorised person) within 24
      carrier;                                                        hours of the discovery in the event of loss,          A: WINTER SPORTS MEDICAL
                                                                      burglary or theft of baggage. Failure to do so will   The Emergency Medical Expenses/Repatriation section
4.    legal expenses incurred either prior to our written             result in your claim being turned down.               of this policy is extended to cover you whilst partaking in
      acknowledgement granting our support or                                                                               winter sports.
      obtained without our written consent;                     D: GREEN/CLUB FEES
                                                                You are covered up to the amount specified on your          Conditions
5.    any claim where we consider a reasonable                  policy schedule if you are unable to play golf because of
      settlement is unlikely or where the cost of the           sickness or injury.
      action could be more than the settlement;                                                                             1.    Cover for off-piste skiing/snow boarding is
                                                                                                                                  restricted within resort boundaries or with a
6.    any cost for bringing a legal action in more than         Condition                                                         qualified guide. There is no cover for search and
      one country for the same event;                                                                                             rescue.
                                                                1.    In the event of a claim you must provide proof of
7.    actions between members of the same household                   prepaid golf fees and a medical certificate from an   2.    Each insured must adhere to the International Ski
      or a relative or travelling companion, or actions to            attending medical practitioner confirming the               Federation code and any local guidelines and
      enforce a judgement or legally binding decision;                reason and length of time you were unable to play           recommendations.
                                                                      golf.
8.    any amount deducted in legal fees from your                                                                           B: WINTER SPORTS LIABILITY
      compensation or damages, which has been                   E: GOLF HIRE                                                The Personal Liability section of this policy is extended
      calculated as a proportion or percentage of those         You are covered up to the amount specified on your          to cover you whilst partaking in winter sports.
      damages;                                                  policy schedule for the reasonable cost of hiring golf
                                                                equipment from a recognised supplier for the rest of        Conditions
9.    the funding of any appeal costs;                          your trip or until your own or hired golf equipment has
10.   travel and accommodation expenses incurred in             been returned to you, if:
                                                                                                                            1.    Cover for off-piste skiing/snow boarding is
      pursuit of a legal action;                                      a.     your equipment is lost, stolen or damaged;           restricted within resort boundaries or with a
11.   any contingent fee arrangement between you and                         or                                                   qualified guide. There is no cover for search and
      your legal representatives;                                                                                                 rescue.
                                                                      b.     your equipment is delayed for more than
12.   any legal costs resulting from criminal                                12 hours on your outward journey.              2.    Each insured must adhere to the International Ski
      proceedings;                                                                                                                Federation code and any local guidelines and
                                                                Condition                                                         recommendations.
13.    any claim for bodily injury sustained as a result of
                                                                1.    In the event of a claim, you must provide the
      a medical condition(s) caused or happening as a
                                                                      following documentation:                              C: WINTER SPORTS EQUIPMENT
      result of travel or travel conditions, or bodily injury
      sustained as a result of medical malpractice, any                                                                     You are covered up to the amount specified on your
                                                                      a.    Loss or theft: report from police, resort
      incorrect medical procedure(s) performed or                                                                           policy schedule for the value or repair of your own
                                                                            management or tour operator plus receipts
      incorrect diagnosis made;                                                                                             winter sports equipment (after making proper
                                                                            showing original and additional hire
                                                                                                                            allowance for wear and tear and depreciation) or hired
                                                                            charges.
14.   anything listed in “Exclusions Applicable to the                                                                      winter sports equipment, if they are lost, stolen or
      Whole Policy”.                                                  b.    Damage: confirmation from hire company of       damaged during your trip, limited to the single item limit
                                                                            damage sustained and additional charges         (see policy schedule) for any one item. For skis and
                                                                            incurred.                                       snowboards over 5 years old the maximum we will pay
                                                                                                                            is £50.
SECTION 13                                                            c.    Delay: confirmation from airline or transport
HIJACK                                                                      company that equipment was delayed for          Condition
                                                                            over 12 hours on the outward journey plus
                                                                            receipt showing original and additional hire    1.     In the event of a claim you must provide the
Covered                                                                     charges.                                              following documentation:

You are covered up to the amounts specified on your             F: HOLE-IN-ONE                                                    a.     loss or theft: a report from police, resort
policy schedule for each full 24 hour period during the         You are covered up to the amount specified on your                       management or tour operator; plus original
unlawful seizure or wrongful exercise of control over           policy schedule in respect of customary bar expenses                     receipt or proof of ownership and
you or of an aircraft or conveyance in which you are            incurred by you as a result of, and immediately                          confirmation of second hand value from a
                                                                                                                                         specialist dealer where possible.
NCB-PW02-01
      b.     damage: confirmation from a specialist          THE INTERNATIONAL SKI                                         2.    anything not covered under Section 1:
             dealer of the damage sustained and repair                                                                           Cancellation, Section 2: Curtailment, Section 6:
             costs, or confirmation that damage is
                                                             FEDERATION SAFE SKIING CODE                                         Baggage or Section 7: Cash and Documents;
             beyond economic repair, plus the second
             hand value prior to damage.                     The safety of yourself and others is paramount to us,         3.    anything listed in “Exclusions Applicable to the
                                                             which is why we recommend that you observe the                      Whole Policy”.
D: WINTER SPORTS HIRE                                        International Ski Federation safe skiing code, both on
You are covered up to the amounts specified on your          and off-piste.
policy schedule per 24 hours for the reasonable cost of
hiring winter sports equipment for the rest of your trip     RESPECT FOR OTHERS                                            COMMENTS & COMPLAINTS
or until your own or hired winter sports equipment has       You must behave in such a way that you do not
been returned to you, if:                                    endanger others.
                                                                                                                           PROCEDURE
      a.    your equipment is lost, stolen or damaged;                                                                     We aim to provide a first class level of service at all
                                                             CONTROL OF SPEED AND SKIING
            or                                                                                                             times. If, for any reason, you are not happy with any
                                                             You must be in control, and adapt your speed and
                                                                                                                           aspect of this insurance cover or claims or assistance
      b.    your equipment is delayed for more than 12       manner of skiing to your ability and the prevailing
                                                                                                                           service, please tell us.
            hours on your outward journey.                   conditions of terrain, snow and weather, as well as to
                                                             the density of other skiers.
                                                                                                                           You should address any enquiries or complaints, in
Condition                                                                                                                  writing, to:
                                                             CHOICE OF ROUTE
1.     In the event of a claim you must provide the          You must choose your route in such a way that, when
      following documentation:                                                                                             The Complaints Officer
                                                             coming from behind, you do not endanger others ahead.         Professional Travel Insurance Company Limited’s
      a.     loss or theft: report from police, resort                                                                     Representative
             management or tour operator plus receipts       OVERTAKING                                                    Insurance House
             showing original and additional hire            Make sure that you leave enough room when overtaking          Prisma Park
             charges.                                        others for any voluntary or involuntary movements that        Berrington Way
                                                             they may make.                                                Basingstoke
      b.     damage: confirmation from the hire
                                                                                                                           RG24 8GT
             company of damage sustained and                 ENTERING AND STARTING
             additional charges incurred.                    When entering a marked run, or starting again after           If you remain dissatisfied, you may write to:
                                                             stopping, make sure that you look both up and down the
      c.     delay: confirmation from the airline or
                                                             run to ensure that you can do so without endangering          The Financial Ombudsman Service
             transport company that your equipment
                                                             yourself or other skiers.                                     South Quay Plaza
             was delayed for over 12 hours on the
             outward journey plus a receipt showing                                                                        183 Marsh Wall
             original and additional hire charges.
                                                             STOPPING ON THE PISTE                                         LONDON
                                                             Unless absolutely necessary, you must avoid stopping          E14 9SR
                                                             on the piste in narrow places or where visibility is
E: WINTER SPORTS PACK                                        restricted.                                                   Please note that the Financial Ombudsman Service will
You are covered up to the amounts specified on your                                                                        not consider your complaint until you have received a
policy schedule per 24 hours for the value of the unused     CLIMBING AND DESCENDING ON FOOT                               final decision from Professional Travel Insurance
portion of your ski school, lift pass and winter sports      When climbing or descending on foot, you must keep to         Company Limited.
equipment hire costs if:                                     the sides of the piste.
                                                                                                                           The existence of these internal arrangements does not
      a.    you have an accident or you are ill;             RESPECT FOR SIGNALS AND MARKINGS                              affect your right to take immediate legal action against
      b.    your lift pass is lost or stolen.                You must respect all signals and markings.                    Professional Travel Insurance Company Limited.

Condition                                                    ASSISTANCE
                                                             If an accident occurs, every skier is duty bound to assist.
1.     In the event of a claim you must provide the
      following documentation:
                                                                                                                           PROCEDURE FOR RENEWAL OF
                                                             IDENTIFICATION
                                                             Following an accident, every skier and witness, whether       ANNUAL POLICIES
      a.     accident or illness: medical report
             confirming the reason and length of time        responsible or not for causing the accident, must
                                                             exchange names and addresses.                                 Automatic credit card renewal ensures you never have
             you were unable to undertake your                                                                             to worry about travelling uninsured. We will debit your
             planned activity plus the original lift pass                                                                  payment card annually.
             and evidence of initial cost.
      b.     loss or theft: report from police or resort                                                                   When will I know when my renewal is due?
                                                             SECTION 16                                                    We will notify you of the renewal 30 days in advance of
             management plus evidence of initial cost
             and cost of replacement pass.                                                                                 policy expiry, including a quotation based closely on
                                                             BUSINESS COVER                                                your current cover type.
F: PISTE CLOSURE
You are covered up to the amounts specified on your                                                                        I might need to make changes…
                                                             Covered                                                       Your quotation will remind you that you need to declare
policy schedule per 24 hours if there is a lack of snow or
bad weather conditions in your holiday resort and the                                                                      pre-existing medical conditions, along with any sports or
                                                             A: REPLACEMENT BUSINESS COLLEAGUE                             activities you may take part in whilst on a trip. You may
pistes are closed so preventing you from skiing. Cover
                                                             You are covered up to the amount specified on your            need to change the geographic limits of your cover, or
is only available during the months that constitute the
                                                             policy schedule, in accordance with the conditions            the amount to which you are insured. Contact details
local regular ski season and where you purchased your
                                                             specified under the Cancellation and Curtailment              will be provided and any necessary amendments can be
policy more than 14 days before your departure date.
                                                             Sections, for additional travel and accommodation costs       notified to us by email, post or telephone.
                                                             incurred for a business colleague to replace you on a
Condition                                                    business trip. The sole purpose of your trip must be for      When will my card be debited?
1.    In the event of a claim you must provide               carrying out your business.
                                                                                                                           Payment will be taken prior to the renewal date.
      documentation from the resort’s management
      confirming how long the pistes were closed at          B: BUSINESS EQUIPMENT                                         My credit card is due to expire before renewal is
      your resort and the reason.                            You are covered up to the amount specified on your            due…
                                                             policy schedule for the value of any business                 If we are unable to renew your policy for any reason,
Not Covered                                                  equipment specified on your policy schedule, which is         we will contact you by email, post or telephone.
                                                             accidentally lost, stolen or damaged (provided the
1.    the policy excess as specified on your policy          equipment is used for the sole purpose of carrying out        How can I cancel the Automatic Renewal?
      schedule under Part C: Winter Sports Equipment;        your business). The policy excess specified on your           You can do this at anytime, by email, post or by
                                                             policy schedule applies.                                      telephone. If you express a wish to discontinue
2.    if you do not adhere to the International Ski
      Federation code or the resort regulations;                                                                           Automatic Renewal you will remain covered for the
                                                             C: REPLACEMENT BUSINESS DOCUMENTS                             duration of this year’s policy. We will contact you to
3.    anything not covered in Section 6, Baggage             You are covered up to the amount specified on your            notify you of your policy’s expiry date, but we will not
      (applicable to Part C above);                          policy schedule for the cost of replacement business          renew your cover on your behalf or debit your card.
                                                             documents, which are accidentally lost, stolen or
4.    anything not covered in Section 4, Emergency           damaged (provided the documents are vital to the              If your policy has already been Automatically Renewed,
      Medical Expenses (applicable to Part E above);         carrying out of your business).                               you have a money back guarantee period within the 14
5.    ski jumping, ice hockey, the use of skeletons or                                                                     days after start of cover, during which time you can
      bobsleighs, taking part in International and           Not Covered                                                   contact us for a full refund, provided no claim has been
      National events, their heats or officially organised                                                                 made.
      practice or training for these events;                 1.    the policy excess specified on your policy
                                                                   schedule where applicable;
6.    anything listed in “Exclusions Applicable to the
      Whole Policy”.

NCB-PW02-01
 Benefits                                  No Claims Cashback Single Trip

 Max Trip Duration                         365 days

 Cancellation                              £3,000
                                           £50 excess

 Deposit Only                              £20 excess


                                           £3,000
 Curtailment
                                           £50 excess


 Personal Accident:

 Permanent Total Disablement               £25,000
 Death                                     £10,000
 Loss of Limb (s) / Sight                  £10,000
                                           £0 excess


 Emergency Medical Expenses/Repatriation   £10,000,000
                                           £50 excess

 Dental                                    £200
 Funeral Abroad                            £3,000

                                           £25 per 24hrs
 Additional Hospital Benefit               Up to £1,000
                                           £0 excess


 Baggage                                   £2,000
                                           £50 excess

 Single Item Limit                         £250
 Valuables Limit (in total)                £250
 Baggage on Beach                          £100
 Glasses/Contact Lenses                    £50

 Delayed Baggage                           £75


 Cash & Documents                          £500
                                           £50 excess

 Cash Only Limit                           £100
                                           £20 excess


                                           £250
 Loss of Passport/Driving Licence
                                           £50 excess

 Travel Delay
                                           £20 per 12 hrs
                                           up to £100
 Abandonment
                                           After 24 hrs Travel Delay up to £3,000
                                           £50 excess
                                           £600
 Missed departure
                                           £50 excess


 Personal Liability                        £2,000,000
                                           £100 excess


                                           £25,000
 Legal Expenses
                                           £200 excess

                                           £100 per 24hrs
 Hijack
                                           Up to £2,000
                                           £0 excess



The excesses listed above will be charged per Insured person for each incident that results in a claim.




NCB-PW02-01

								
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