SINGLE _ ANNUAL MULTI TRIP TRAVEL INSURANCE POLICY by xiuliliaofz

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									  SINGLE & ANNUAL MULTI TRIP TRAVEL INSURANCE POLICY                                                V8.9a                                              Master Certificate Number
  This travel insurance has been arranged by ASUA on behalf of Globelink International Insurance Consultants Ltd.                                      ETI/2009/0002
  FSA registration Number 300144.
  84 Cannon street, Little Downham, Ely, Cambridgeshire. CB6 2SS. Telephone: 01353 699082.
  The insurer for this policy ETI Insurance Company Limited, Albany House, 14 Bishopric, Horsham RH12 1QN

  If you are a resident of a European Union member State all reference to the United Kingdom in this
  policy of insurance shall be deemed to mean Your country of European Union Residence.
 This evidence of insurance is to confirm that those persons who have paid the appropriate premium are insured under Master Certificate Number:
 ETI-2009-0002.
 This document only constitutes a valid evidence of insurance when it is issued in conjunction with a validation certificate issued between
 1st August 2009 and 31st January 2010, for trips commencing up to 31st January 2011.
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                                                                                                             injury or illness that first happens after You have started Your Outward
Dear Traveller                                                                                               Journey. If You do suffer a new injury or illness after taking out this insurance
This is to certify that ETI Insurance Company Ltd will insure in accordance                                  but before starting Your Outward Journey (this is known as a change in
with the terms and conditions contained herein or endorsed hereon. The Policy                                circumstance) You will only be covered by the Cancellation section of this
Wording sets out in full details of the cover provided and is only valid if                                  policy and will not be able to have the condition covered for Necessary
attached to a Schedule of Cover (also referred to as the schedule herein)                                    Medical Expenses or Curtailment expenses as this will be deemed to be an
showing the sums insured and limits of the insurance provided and a                                          excluded pre-existing condition.
Validation Certificate detailing the premium, geographical area, period of                                   We may in the light of such changed circumstances not be able to continue
cover and persons insured.                                                                                   cover under sections A and B of this insurance. If this is not acceptable to You,
ETI Insurance Company Ltd is regulated by the Financial Services                                             We will cover You for any loss of deposit or cancellation charges You have
Authority.                                                                                                   necessarily incurred up to the date of the change of circumstances that are
This is Your insurance policy and contains all the information You need to                                   normally covered under Section A of this insurance. In these circumstances no
know about Your Travel Insurance. However, this policy is only valid once a                                  Policy Excess will be applied.
Schedule of Cover showing the sums insured and limits of the insurance                                       We may in certain circumstances be able to provide You with cover for pre-
provided and a Validation Certificate showing proof of payment of premium is                                 existing conditions or change in circumstances and You will see on the
attached.                                                                                                    Insurance Schedule of Cover details of how to contact our Health Check line.
Please read this policy carefully and remember this travel insurance is                                      This service allows You to declare pre-existing conditions to Us, and they will
designed to cover most events which may happen during Your trip, but We                                      be able to advise You if the condition can be covered by this insurance and
cannot cover all expenses and possibilities. You will find full details of the                               what terms may be applied. Please note that we cannot guarantee to be able to
cover and the conditions and exclusions in the policy.                                                       offer cover for all conditions, and if the terms made available to You are
If You have any queries, or if You require additional cover please contact the                               unacceptable You will be able to cancel this policy and obtain a refund of Your
agent who sold this policy to You. If You need to make a claim or declare a                                  premium provided You have not already travelled or made a claim and You
health condition please call the relevant numbers shown on the Schedule of                                   contact Us within 14 days of the policy issue date or within 7 days of the
Cover.                                                                                                       change in circumstance. If You do not contact the Health Check line Your pre-
                                                                                                             existing conditions will not be insured by this policy.
                                  IMPORTANT NOTE                                                             You must be able to agree to the following declaration that applies to You and
        MEDICAL TREATMENT AND MEDICAL EMERGENCIES                                                            to anyone Your travel arrangements may depend on such as a Close Relative
                                        OVERSEAS                                                             or Business Associate or travelling companion. If You have an annual policy
                                                                                                             this declaration applies every time You book a trip.
If You require medical attention in a country with a reciprocal health care
                                                                                                             For You or anyone travelling with You, as far as You know the following
agreement with the UK such as the countries of the European Union,
                                                                                                             apply.
Switzerland, Australia and New Zealand You must ensure that the medical
treatment you obtain is provided wherever possible at hospitals or by doctors
                                                                                                             (a)       Nobody is waiting for an operation, hospital consultation or any other
working within the terms of the agreement.
                                                                                                                       hospital treatment or investigations including the results of a routine
This insurance does not cover private in-patient health care treatment in
                                                                                                                       test.
countries that operate reciprocal health care agreements unless it is authorised
                                                                                                             (b)       Nobody has been seen by a specialist or been admitted to a hospital
in advance by the 24 Hour Medical Assistance Company detailed on the
                                                                                                                       overnight in the last twelve months.
schedule. If You are admitted to a private clinic or are likely to incur medical
expenses in excess of £250 as an out-patient please ensure that immediate
                                                                                                             (c)       Nobody has any breathing or heart problem (including angina) or high
                                                                                                                       blood pressure which has needed treatment (including regular
contact is made with the Assistance Company who will arrange a transfer to an
                                                                                                                       medication) in the last two years.
appropriate medical facility.
                                                                                                             (d)       Nobody has received treatment, including regular medication, in the
You should before You travel obtain from Your local Post Office a European
                                                                                                                       last 12 months for any of the following:
                                                                                                                           
Health Insurance Card (EHIC) application pack or apply online at
www.dh.gov.uk/travellers.                                                                                                            disorder of the blood such as clotting, bleeding or anaemia
                                                                                                                                    any form of stroke
Please refer to the specific exclusions applying to Section B - Emergency                                                           Any form of cancer, leukaemia or tumour
Medical & Other Expenses detailed in the policy herein.                                                                             a transplant or dialysis treatment
                                                                                                                                    any psychiatric illness, stress, depression, anxiety or
                          TRAVEL INSURANCE POLICY                                                                                    dementia
                                                                                                                                    any other pre-existing and on-going medical condition that
        IMPORTANT DECLARATION PRE-EXISTING MEDICAL                                                                                   has required regular medication
                                      CONDITIONS                                                             (e)       Nobody has been diagnosed by a registered doctor as having a terminal
                                                                                                                       condition.
This insurance policy contains health restrictions that apply to the cover                                   (f)       Nobody has been diagnosed as being pregnant with an expected
provided under the Cancellation, Curtailment and Medical sections of this                                              delivery date within 16 weeks of the trip return date.
insurance (see the exclusions applying to Sections A, B & C). This policy will                               (g)       I do not know of any reason why the trip is likely to be cancelled or cut
not pay for any claims arising from pre-existing medical conditions or if You                                          short or of any facts that may cause a claim on this insurance.
(meaning anybody insured by this policy) are awaiting or undergoing                                          CHANGE IN YOUR CIRCUMSTANCES
treatment or You are undergoing or awaiting any medical investigations or                                    If after taking out this Insurance You become aware of any circumstances that
consultation with a specialist or awaiting diagnosis or tests results or are aware                           may give rise to a claim such as changes in Your health or that of a person on
of any condition that could reasonably require treatment during the Period of                                whom this insurance may depend (e.g. a Close Relative) You must contact Us
Insurance.                                                                                                   and tell Us about the changes as soon as reasonably possible and prior to any
With respect to Cancellation cover this exclusion applies to Your state of                                   trip. We may in the light of such changed circumstances not be able to continue
health at the time You applied for this insurance and the policy was issued.                                 cover under sections A and B of this insurance. If this is not acceptable to You,
With respect to Curtailment cover and Necessary Medical Expenses cover                                       We will cover You for any loss of deposit or cancellation charges You have
(see Definitions below) We will only pay for claims that arise from a new
                                                                                              1
necessarily incurred up to the date of the change of circumstances that are                Passports, Tickets And Documents - Passports, travel tickets, green cards and
normally covered under Section A of this insurance. In these circumstances no              driving licences.
Policy Excess will be applied.                                                             Period of Insurance -The validation certificate will show the issue date and
Please note that You must contact us promptly regarding the change and are                 start date and duration (or end date) of your policy being the period of cover
responsible for all costs incurred in obtaining any medical reports required by            You are insured for. The time that cover for particular sections starts and ends
Us. If You do not contact us within 7 days of the change of circumstance, You              is given in more detail below:-
will be responsible for any increased costs incurred as a result of the delay in           Cancellation cover starts when You book Your trip or when the policy was
cancelling Your trip and We will only pay the costs that would have applied                issued (whichever is the later) and finishes when You start Your Outward
had You cancelled Your trip within 7 days of the date of the change of                     Journey. Cover under all other sections begins when You start Your Outward
circumstances giving rise to the claim. For advice and assistance, please                  Journey and ends upon Your return home from the trip. Your Outward and
contact the Health Check line                                                              Return Journey must take place during the period of cover shown on the
                                                                                           Validation Certificate and for which the correct premium has been paid. If You
DEFINITIONS                                                                                have chosen an Annual Multi Trip Insurance the Outward and Return
The following words or expressions carry the meaning shown below whenever                  Journey must take place during the start and end date shown on the Validation
they appear in bold print within the wording of the Policy. There are also more            Certificate. The total duration of any one trip is limited to a maximum of 31
specific definitions which apply only to the Legal Expenses and Scheduled                  days or as otherwise shown on the Validation Certificate and any trip exceeding
Airline Failure section of this Policy:-                                                   this duration will not be covered in whole or in part. Trips within the British
                                                                                           Isles or Home Country within the European Union must involve at least 2
Accommodation - The lodging room of no greater standard than that provided                 nights pre-booked accommodation away from Your normal place of residence
as part of Your prepaid charges in the vicinity of the hospital where the                  in order to be insured by this policy.
Insured Person is confined.                                                                Personal Possessions - Baggage, clothing, personal effects including
Advanced Booking - Any booking made at least 24 hours prior to the                         Valuables and gifts purchased outside the United Kingdom or Home Country
scheduled departure time shown on Your ticket. Outward Journey - The                       within the European Union, subject to the limits and Exclusions detailed under
initial journey by motor transport, train, aircraft or watercraft undertaken in            Section E.
conjunction with the trip in respect of the outbound journey from Your home                Return Journey - The initial journey by motor transport, train, aircraft or
address in the United Kingdom or within the European Union.                                watercraft undertaken in conjunction with the trip in respect of the Inbound
Business Associate - Your associate in the same employment as You whose                    Journey to Your home address or a hospital or nursing home in the United
absence from work necessitates You having to cancel Your trip as certified by              Kingdom or Home Country within the European Union.
Your Senior Director or partner.                                                           Sports Equipment - Those articles which are usually worn, carried or held in
Close Relative - Mother, father, wife, husband, son, daughter, brother, sister,            the course of participating in a recognised sport.
step-child, step parent, grandmother, grandfather, grandchild, legal guardian,             Strike Or Industrial Action – Organized action taken by a group of workers
parent-in-law or son or daughter-in-law, common law partner or fiancé(e).                  which prevents the supply of goods and services on which Your trip depends.
Curtail / Curtailment - Abandonment of the planned trip by return to the                   Withdrawal of Services
United Kingdom after commencement of the Outward Journey. The amount                       (i)       the withdrawal of all water or electrical facilities in Your hotel or trip
payable will be the unused proportion of Your irrecoverable pre-paid charges                         accommodation or
calculated from the date of Your return to the United Kingdom. All                         (ii)      the withdrawal of waiter/waitress services at meals or
Curtailment claims will need authorisation from Us in advance.                             (iii)     the withdrawal of kitchen services of such nature that no food is
Excess - The amount You will have to pay towards the cost of each claim                              Served, or
under the Policy after the application of the Policy limits.                               (iv)      the withdrawal of room cleaning services.
Family - A single parent or two parents travelling together with their child or            Terrorism
children (under 18 years) for whom they are the legal guardians who all reside             An act, including but not limited to the use of force or violence and/or the
together.                                                                                  threat thereof, of any person or group(s) of persons, whether acting alone or on
Golfing Equipment - golf clubs, trolleys, bags and specialised clothing and                behalf of or in connection with any organisation(s) or government(s),
umbrellas used exclusively for playing or practicing golf, but excluding balls,            committed for political, religious, ideological or similar purposes including the
tees, gloves and buggies.                                                                  intention to influence any government and/or to put the public, or any section
Geographical Area - The area or country shown on Your Validation                           of the public, in fear.
Certificate Territorial Limits and for which the appropriate premium has been              Unattended - means left away from Your person where You are unable to
paid and will involve Your return to the United Kingdom or Home Country                    clearly see and get hold of Your Personal Possessions or Money or
within the European Union within the Period of Insurance.                                  Passports, Tickets and Documents.
       Area 1 The United Kingdom, Isle of Man and the Republic of Ireland.                 United Kingdom – If you are a resident of a European Union member State all
       Area 2 Europe west of the Ural Mountains, Madeira, Channel Islands,                 reference to the United Kingdom in this policy of insurance shall be deemed to
       Canary Islands, Iceland, the Azores, Mediterranean Islands and Non-                 mean Your country of European Union Residence.
       European countries bordering the Mediterranean (except Algeria, Israel,             Valuables - Jewellery, articles made of gold silver or other precious metals,
       Lebanon, Libya and Syria).                                                          precious or semi-precious stones, watches, binoculars, telescopes, photographic
       Area 3 Australia/New Zealand.                                                       equipment, electronic audio or video equipment including tapes, compact discs,
       Area 4 Worldwide (Including USA and Canada).                                        cartridges, discs, MP3 & iPods or mini-disc players and any computer
Hazardous Pursuits - Any pursuit or activity where it is recognised there is               equipment including software, musical instruments, furs, or leather clothing,
an increased risk of injury or accident or can be reasonably expected to                   but excluding footwear.
aggravate any existing infirmity (please see part 3 of the Important                       We / Our / Us - ETI Insurance Company Ltd.
Information detailed below for examples).                                                  You / Your - Any person named on the Validation Certificate who is eligible to
Hijack - The unlawful seizure or wrongful exercise of control of the aircraft or           be Insured and for whom premium has been paid subject to the policy age
ship [or the crew thereof] in which You are travelling as a fare-paying                    limits below:
passenger. Mugging - The violent and threatening attack necessitating Your                     Policy Age Limits at the time of arranging cover:
medical treatment.                                                                             Annual Multi Trip 74 years
Manual Work - Physical labour involving the use of tools or machinery or                       Globelink Comprehensive 70 years
exposure to risk that could give rise to Your bodily injury or illness.                        Globelink Regular & Economy 84 years
Money - cash taken for private purposes comprising cash only.                                  Globetrekkers Standard 40 years
Necessary Medical Expenses – Costs arising from unavoidable medical                            Globetrekkers Standard Plus 40 years
treatment that is required as a result of an illness or injury that arises after You           All ages are inclusive and are at the date of effecting the insurance.
have started Your Outward Journey and which could not be reasonably
anticipated as being required during the period of Your                                    IMPORTANT INFORMATION AND CONDITIONS APPLYING TO
trip at the time You started the Outward Journey. Necessary medical                        ALL SECTIONS
treatment must be appropriate and consistent with the diagnosis made and                   1. LIMIT OF COVER
in accordance with accepted community standards of medical practice and                    Each section of the personal insurance schedule shows the most You can claim,
as agreed by Our medical advisors and is not experimental or                               but other limits may apply. For example, under Section E (Personal
investigative and cannot be reasonably delayed until You are returned to                   Possessions), there is a limit for any single item and a total limit for all
the United Kingdom or home country within the European Union. PLEASE                       Valuables. We will work out how much We will pay You for baggage claims
ALSO REFER TO IMPORTANT DECLARATION PRE-EXISTING                                           based on the value of the items at the time of the loss, not the cost of replacing
MEDICAL CONDITIONS.                                                                        them. Please note that if the schedule shows NIL cover then that section of
                                                                                           the policy is not applicable to the insurance cover You have purchased.
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                                                                                       to a medical expenses claim (section B) which has been reduced by Your using
2. LOOKING AFTER YOUR BELONGINGS                                                       an EHIC form or private health insurance, the Excess will not apply.
Many claims for loss or theft are caused by people being careless with their
belongings. If You do not take good care of Your belongings, it can be                 6. MAKING A CLAIM
upsetting and inconvenient for You and We may not pay Your claim.                      To help Us deal with Your claim quickly and efficiently, please read the claims
                                                                                       procedure below (see WHAT TO DO IF YOU WISH TO MAKE A
                                                                                       CLAIM). This explains what documents You will need to support a claim and
                                                                                       when You will need this kind of proof. You must collect some of the proof
3. HAZARDOUS PURSUITS                                                                  You need, for example a police report, while You are on Your trip.
You are not covered for taking part in any Hazardous Pursuit unless it is
listed below. If You are going to take part in any activity which may be               7. WHAT TO DO IN A MEDICAL EMERGENCY
considered dangerous or Hazardous that is not detailed below please contact            In a medical emergency, contact the Assistance Company shown on the
the selling agent who will contact Us to see if We can provide cover. Please           Schedule of Cover for help. Please read the policy for details. If You are
note that under Section H (Personal Liability) You will not be covered for             admitted to hospital or need to Curtail Your trip You must contact the
liability caused directly or indirectly by Your owning or using any firearms or        Assistance Company for authorization before incurring any expenses or We
weapons, animal, aircraft, motorised vehicle, boat and other watercraft, or any        may not pay Your claim. Simple outpatient treatment costing less than £250
form of motorised leisure equipment, including jet skis and snowmobiles.               should be paid locally and claimed for on Your return to the United Kingdom
                                                                                       or Home Country within the European Union.
The following sporting activities when participated in for recreational purposes
incidental to a trip and not in organized competitions or in any professional          IMPORTANT please quote the scheme name and number together with Your
capacity are not considered to be Hazardous Pursuits and are not subject to            Validation Certificate Number. The Assistance Company provides immediate
the special provisions of the endorsement below:                                       help in the event of Your illness or injury arising outside the United Kingdom
                                                                                       – they provide a 24 hour multi-lingual emergency service 365 days a year and
Archery, Badminton, Baseball, Basketball, Beach Games, Black Water Rafting             can be contacted by telephone or fax. Should a serious medical problem arise
(to Grade 3), Blade Skating, Bowls, Bungee Jumping (Max 3 Jumps),                      You must contact the Assistance Company within 24 hours. You are
Canoeing, Clay Pigeon Shooting, Cricket, Cycling (on road), Deep Sea                   responsible in advising Your attending doctor to seek prior approval for any
Fishing, Dinghy Sailing, Fell Running, Fell Walking, Fencing, Fishing,                 treatment except in extreme circumstances where a request for prior approval
Football (Amateur), Golf, Horse Riding, Hiking under 2,000m Worldwide, Jet             would delay life saving treatment. Failure to contact the Assistance Company
Boating, Jet Skiing, Jogging, Kayaking, Lapland Activities . (Husky/Reindeer           may limit the benefits payable, or in certain circumstances, cover will not be
ride, Snowmobile, Sledging. Excluding Bob-sleighs), Marathon Running,                  provided. When You call upon the services of the Assistance Company it is a
Netball, Manual work involving hand tools only and at ground level,                    condition of the service that they shall solely be responsible for all decisions on
Orienteering, Parascending, Pony Trekking, Racket Ball, Rambling, River                the most suitable and reasonable solution to any medical problem. The service
Canoeing, Roller Blading, Roller Skating, Rounders, Rowing, Safari, Sailing,           includes, where necessary:
Sail Boarding, Skate boarding, Snorkelling, Surfing, Squash, Tennis, Track             1. Multi-lingual assistance with hospitals and doctors
Events, Trekking under 2,000m Worldwide, Triathlon, Trekking/Hiking                    2. Repatriation arrangements and necessary escorts by a medical attendant
2,000m, 4,000m Peru & Himalayas, Volley Ball, War Games/Paint Balling,                 3. Travel arrangements for other members of Your party or next-of-kin
Water Polo, Water Skiing, White Water Rafting (to grade 3), Windsurfing,               4. On arrival in the United Kingdom or Home Country within the European
Yachting. Cover for SCUBA Diving is provided at standard premiums up to a              Union, an ambulance service to hospital or home.
depth of 30 meters subject to the following endorsement:                               Please note: We are not responsible for the availability, quality or results of
                                                                                       any medical treatment received by you whilst travelling. Please refer to
SCUBA or skin diving to a maximum depth of 30 meters will be covered                   Exclusions applying to Sections A, B & C.
provided that You hold a British Sub Aqua Club (B.S.A.C.) or equivalent
certificate of proficiency for the dive being undertaken or You are under the          8. INSURERS
direct supervision of a qualified instructor; are diving with proper equipment         The Insurers are ETI Insurance Company Limited, Albany House, 14
and not contrary to B.S.A.C. codes of good practice; are not solo/ cave/wreck          Bishopric, Horsham RH12 1QNN.
diving, are not diving for hire or reward; are not diving within 24 hours of
flying or flying within 24 hours of diving and are not suffering from any              9. COOLING OFF PERIOD
medical condition likely to impair Your fitness to dive.                               This Insurance is designed to cover most circumstances but You should be
                                                                                       aware that not all eventualities are insured. Please read this document carefully.
The following activities are also included without the need for you to pay an          If You find the Insurance does not meet Your requirements please return this
additional premium subject to an increased medical excess to £100 and                  policy and proof of premium to the selling agent within 14 days of receipt but
Personal Accident and Personal Liability will be excluded from cover:                  before the trip departure date. Provided no claim has been made Your premium
Abseiling, Ballooning, BMX Riding, Boxing, Catamaran Sailing (Territorial              will be refunded in full.
Waters Only), Gymnastics, Heptathlon, Ice Hockey, Judo/Karate/Kung
Fu/Martial Arts (training only and no contact), Motorcycling (Max 250cc-               10. ABOUT THE COVER AND CONDITIONS
helmet must be worn), Polo & Street Hockey.                                            This is Your contract of insurance. It contains certain conditions in each
                                                                                       section and General Exclusions to all sections. You must meet the conditions or
The following activities are examples of what are known as ‘Hazardous                  We will not accept Your claim. Please read all of this policy carefully,
Pursuits’ and are not covered by this insurance unless an additional premium           especially the Important Declaration. When You book Your trip, You must
has been paid and the validation certificate shows the cover has been provided.        declare any information We ask for in the declaration. If You do not contact
Winter Sports (including skiing, snowboarding, tobogganing and sledging),              the selling agent or Us within 14 days of the date You receive this insurance
sailing outside coastal waters (more than 12 miles from land), hunting animals,        policy We will assume that You accept the terms and conditions of this
motor competitions or practice, professional sports, any sporting competitions,        insurance policy and can make the declaration set out. This policy is only valid
cave diving, Manual Work, overland expeditions, paragliding (over land),               if You also have a Schedule of Cover and Validation Certificate showing all
polo, potholing, safaris (unless part of a pre-paid organized tour using               names of persons insured, their ages, the dates of cover and the correct
professional guides and motor vehicles), weight lifting, flying (unless You are        premium has been paid. The policy describes the cover provided for You and
a fare paying passenger on a regular scheduled airline or licensed charter             the conditions which Your cover depends on. You must keep the policy,
aircraft).of a pre-paid organised tour using professional guides and motor             Schedule of Cover and Validation Certificate and send them to Us if You make
vehicles), weight lifting, flying (unless You are a fare paying passenger on a         a claim. In return for the correct premium, Insurers will pay You or Your
regular scheduled airline or licensed charter aircraft).                               personal representative if You make a valid claim. You must keep to the terms,
                                                                                       conditions and declaration of this insurance.
4. DATE RECOGNITION FAILURE                                                            Single Trip Insurance this insurance is designed to cover round trips departing
This policy contains exclusions for losses arising from equipment failing to           and finishing at Your usual Home or business place in the United Kingdom or
recognize the correct calendar date. Please read the general conditions for            Home Country within the European Union. One-way trips of up to 17 days are
further details.                                                                       restricted to the cover and conditions that would have applied as if You had
                                                                                       arranged to return to Your usual Home or place of business in the United
5. EXCESSES                                                                            Kingdom. Cover is not operative in the country of Your final destination.
We will take an Excess off each claim You make under certain sections of this          Annual Multi Trip Insurance covers You for any number of trips taking
insurance. The amount You will have to pay towards a claim is shown in the             place during the dates of cover shown on the Validation Certificate. These trips
schedule. The Excess is applied on a per person per section basis. If We agree         must involve an Outward and Return Journey being completed during the
                                                                                   3
maximum permitted trip duration of 31 days unless otherwise stated on the              complied with by You will be a condition precedent to Our liability to make
Validation Certificate. If the intended trip exceeds the maximum permitted trip        any payment.
duration it will not be covered in whole or in part.
In respect of One Way Trips all insurance cover shall cease 72 hours                   17. JURISDICTION
after the time You first leave the immigration control of Your final                   Unless specifically agreed to the contrary this insurance shall be subject to
destination country or at the expiry of the Policy Period of Insurance                 English Law.
if this is earlier. For the purposes of this insurance Your country of
final destination will be treated as being Your home address in the                    18. DATA PROTECTION
United Kingdom and all indemnity under the policy shall be applied                     ETI Insurance Company Limited will use the information supplied during the
accordingly                                                                            formation and performance of this Policy for policy administration, customer
Extension of Cover If You request any extension of the Period of Insurance             services, paying claims and fraud prevention. ETI may disclose this
after the commencement of travel You must advise Us of any circumstances               information to our service providers and both you and our agents for these
which at the time of such request could reasonably be expected to cause a              purposes. We will keep this information for a reasonable period. Where
claim under this Policy.                                                               sensitive personal data has been disclosed, including any medical or criminal
                                                                                       record information, ETI will also use this information for the above purposes.
11. RECIPROCAL HEALTH AGREEMENT – EU COUNTRIES                                         ETI may also transfer certain information to countries that do not provide the
If You intend travelling to European Economic Area (EEA) country or                    same level of data protection as the UK for the above purposes. A contract will
Switzerland, You should either obtain from Your local Post Office European             be in place to ensure the information transferred is protected. Individuals whose
Health Insurance Card (EHIC) application pack or apply online at                       information has been supplied to ETI have a right to ask for a copy of that
www.dh.gov.uk/travellers which when completed will entitle You to certain              information and to have any inaccuracies corrected. ETI may record telephone
free health arrangements in EEA countries and Switzerland. You should take             calls to make sure it follows instructions correctly and for staff training
the EHIC with You and make sure that wherever possible any medical                     purposes. When personal or sensitive data is supplied to ETI about third parties
treatment is provided at hospitals or by doctors working within the terms of the       other than the insured, both during the formation and performance of this
Reciprocal Healthcare Agreement unless the Medical Assistance Company                  policy, ETI assumes that those third parties consent to the supply of this
agrees otherwise. If You are admitted to a private clinic You will be                  information to ETI, to ETI processing this data, including sensitive personal
transferred to a public hospital as soon as the transfer can be arranged safely.       data, and to the transfer of their information abroad. ETI will also assume that
Private medical treatment costing in excess of £250 not specifically authorised        the supplier of the information is authorised to receive, on their behalf, any data
by Our 24 hour Medical Assistance Company will not be insured by this                  protection notices.
policy.
                                                                                       19. EUROPEAN UNION RESIDENTS
12. CLAIMS YOUR DUTIES                                                                 If You are a resident of a European Union member state all reference to the
(a) You must advise Us of any occurrence that may give rise to a claim in              United Kingdom in this policy of insurance shall be deemed to mean Your
     writing as soon as is reasonably possible after the date of such                  country of European Union residence. This policy unless specifically agreed in
     occurrence and shall supply to Us all such accounts and other documents           writing to the contrary remains subject to English Law.
     as We may reasonably require. Any expenses incurred because of an
     unreasonable delay in notifying Us will not be paid.                              WHAT TO DO IF YOU WISH TO MAKE A CLAIM
(b) You must give Us notice in writing immediately You or Your legal                   You will find on the Schedule of Cover details of the telephone number to
     representatives have knowledge of any impending prosecution, inquest              contact in event of a claim.
     or fatal injury inquiry in connection with any occurrence of which there
     may be liability under Section H of this Policy                                   PLEASE NOTE FAILURE TO OBSERVE THE FOREGOING
(c) You must inform the Police of all loss or theft of property within 24              REQUIREMENTS WILL INVALIDATE ANY CLAIM.
     hours of discovery of such loss or theft and obtain a copy of the Police          Please keep this Travel Insurance Policy in a safe place and carry it with You
     report in support of any claim.                                                   when You go on Your Trip
(d) If Personal Possessions or Golfing or Ski Equipment are lost or
     damaged whilst in the custody of a Carrier (i.e. Airline, Railway,                CANCELLATION OR CURTAILMENT
     Shipping Company, Bus Company. etc), You must notify such Carrier                 If You cancel Your trip for medical reasons obtain a claim form. Your own
     immediately and obtain a copy of their report.                                    medical practitioner should complete the Certificate on the reverse of the claim
(e) You must at all times act in a reasonable manner to prevent or minimize            form. If the trip is Curtailed for medical reasons obtain a medical certificate
     a claim.                                                                          from the treating Medical Practitioner in the locality where the incident
                                                                                       occurred You must
13. CLAIMS OUR RIGHTS                                                                      Keep receipts or account for all expenses incurred
(a) No admission, offer, promise, payment or indemnity will be made or                     In the event of Cancellation immediately notify the Tour Operator or the
     given by You or on Your behalf without Our written consent                             Travel Agency where Your trip was booked and obtain a cancellation
(b) We will be entitled to take over and conduct in Your name the defence                   invoice
     or settlement of any claim or to prosecute in Your name to Our own                    Telephone the claims number shown on the Schedule of Cover as soon as
     benefit in respect of any claim for indemnity or damages or otherwise,                 You know that there is a possibility of Your journey not taking place.
     and will have full discretion in the conduct of any proceedings or in the             Obtain authorisation from the 24 Hour Medical Emergency Service or
     settlement of any claim and You must give all such information and                     from Us before incurring any expenses in Curtailing Your holiday.
     assistance as We may require
(c) In case of illness or injury We may approach any doctor who may have               MEDICAL AND OTHER EXPENSES
     treated You during the period of three years prior to the claim, and We           PLEASE SEE WHAT TO DO IN THE EVENT OF A SERIOUS MEDICAL
     may at Our own expense and upon reasonable notice to You or Your                  EMERGENCY FOR CASES INVOLVING MORE THAN SIMPLE
     legal personal representative, arrange for You to be medically examined           OUTPATIENT TREATMENT.
     as often as required, or in the event of death have a post mortem                    You must keep receipts or accounts for all expenses incurred.
     examination of Your body                                                             You should pay the hospital/clinic/doctor for routine or simple out patient
(d) You must supply at Your own expense a Doctor’s certificate in the form                 treatment and claim back on Your return to the United Kingdom. If You
     required by Us in support of any medical related claim.                               think the level of treatment is excessive or costs are likely to exceed £250
                                                                                           please consult the 24 Hour Medical Emergency Service for guidance.
14. FRAUD
If any person makes any misrepresentation or concealment in obtaining this             PERSONAL ACCIDENT
Policy or in support of any claim the insurance by this Policy will be void.             Obtain a medical certificate from the treating Medical Practitioner.
                                                                                         In the event of a death We will require a Death Certificate.
15. OTHER INSURANCES
We will not be liable in respect of any claim where the event leading to the           DELAY
claim is insured by any other existing Policy or Policies, except in respect of          Obtain a letter from the Airline, Railway Company or Shipping Line, or
any amount beyond that which is payable under such other Policy or Policies.              their handling agent, confirming the reason for the delay and detailing the
                                                                                          scheduled and actual departure times.
16. PRECEDENTS TO LIABILITY
The due observance and fulfilment of the terms, provisions and conditions and
endorsements of this policy in so far as they relate to anything to be done or
                                                                                   4
PERSONAL POSSESSIONS & SPORTS EQUIPMENT
  For all loss or damage in transit claims, including delayed Personal                  PLEASE NOTE THAT THE FOLLOWING SECTIONS OF COVER
   Possessions report to the Airline, Railway or Shipping Line, or their                 ONLY APPLY IF A SUM INSURED IS SHOWN IN THE SCHEDULE
   handling agents and obtain a written report from them before leaving the
   baggage reclaim area.                                                                 SECTION A - CANCELLATION OR CURTAILMENT
  For all damage claims obtain an estimate for repairs.                                 What is covered:
  In all circumstances, You must retain receipts or vouchers for items lost             We will indemnify You for
   or damaged as these will help You to substantiate Your claim.                         (a) unused charges associated with Your trip that are not refundable and
  In the case of lost or misplaced Personal Possessions on the Outward                        which were incurred before Your departure date if You have to cancel
   Journey, You must produce receipts for the purchase of essential                            Your trip or
   replacement items.                                                                    (b) the extra cost of a one way airfare of a standard no greater than the class
  You must report all theft or losses to the Police within 24 hours of                        of journey on the Outward Journey or the applicable fee charged by the
   discovery and obtain a written Police report. Also report to Your Courier                   airline to change Your scheduled return date, and the unused non-
   or Hotel/Apartment Manager whenever it is appropriate.                                      refundable prepaid Accommodation costs and other land arrangements
                                                                                               following Curtailment of Your trip as a result of any of the
MONEY, PASSPORTS, TICKETS or DOCUMENTS                                                         circumstances detailed below:
  You must report all theft or losses to the Police within 24 hours of                  1. Your death, accidental bodily injury or illness, or that of a relative or a
   discovery and        obtain a written Police report. Also report to Your              friend with whom You have arranged to travel or stay, or of Your Close
   Courier or Hotel Apartment Manager whenever it is appropriate.                        Relative or of a Close Business Associate
  You must enclose confirmation from Your bank or bureau de change of                   2. You or any person with whom You have arranged to travel or stay being
                                                                                         subject to compulsory quarantine or being summoned for Jury Service or as a
   the issue of foreign currency. In the case of Sterling You must produce
                                                                                         witness in a Court of Law or for Military Service during the period of the trip
   documentary evidence.

                                                                                         3. Your redundancy (qualifying You to claim for payment under current
   For a lost or destroyed Passport You need to supply Us with a letter from
                                                                                         Redundancy Payment Legislation) and that of any person with whom You
   the Consulate where the loss was reported and retain all receipts that
                                                                                         intend to travel provided that such notice of redundancy is advised to Us within
   relate to the necessary costs in replacing the Passport.
                                                                                         14 days of its announcement
                                                                                         4. Your private dwelling becoming uninhabitable following fire, storm or
PERSONAL LIABILITY

                                                                                         flood, or Your presence being required by the Police following burglary at
   You must supply full details of the circumstances giving rise to the claim            such private dwelling occurring at any time after We have accepted this
   plus any supporting evidence.

                                                                                         Insurance
   You must give Us notice in writing immediately You or Your legal                      5. Cancellation or interruption of scheduled public transport consequent upon
   representatives have knowledge of any impending prosecution, inquest                  Hijack occurring during the Period of Insurance
   or fatal injury inquiry in connection with any occurrence for which there             6. Reasonable additional travelling expenses incurred by You in returning to
   may be liability under Section H of this Policy.                                      Your home address in the United Kingdom or Home Country within the
                                                                                         European Union, where such return is urgently necessitated by the death,
LEGAL EXPENSES                                                                           serious illness or severe injury of Your Close Relative or a Close Business
  You must notify Us within 180 days of the event giving rise to Your                   Associate provided that such Close Relative or Close Business Associate is
   claim in respect of Legal Expenses.                                                   resident in the United Kingdom.
                                                                                         IN THE EVENT THAT YOUR TRIP IS CURTAILED DUE TO YOUR
ALL OTHER SECTIONS                                                                       ACCIDENT OR ILLNESS A DOCTOR AT THE RESORT OR THE
You must notify Us within 30 days of the event giving rise to Your claim with            NEAREST TOWN MUST CONFIRM THAT SUCH CURTAILMENT WAS
full documentary support.                                                                MEDICALLY NECESSARY. ALL CURTAILMENT COSTS MUST BE
                                                                                         AUTHORISED IN ADVANCE BY THE ASSISTANCE COMPANY OR BY
GENERAL EXCLUSIONS APPLYING TO ALL SECTIONS                                              US.
We shall not be liable for:
1. Claims directly or indirectly occasioned by, happening through or in                  SPECIFIC EXCLUSIONS APPLYING TO SECTION A
consequence of war, invasion, acts of foreign enemy, hostilities or warlike              What is not covered:
operation (whether war be declared or not), civil war, mutiny, military rising,          1. Any expense following Your disinclination to travel or to continue with
insurrection, rebellion, revolution, military or usurped power.                          Your trip or loss of enjoyment on Your trip
2. Consequential loss of any kind                                                        2. Any expense arising from circumstances which could reasonably have been
3. Damage to, or loss or destruction of any property or any loss or expense              anticipated at the time You booked Your trip (see also the Exclusions
whatsoever arising indirectly caused by or contributed to, by or arising from:           applying to Sections A, B and C in the policy)
(a)       ionising radiation or contamination by radioactivity from any nuclear
          fuel or from any nuclear waste from the combustion of nuclear fuel             SECTION B - EMERGENCY MEDICAL & OTHER EXPENSES
(b)       the radioactive toxic, explosive or other hazardous properties of any          What is covered:
          explosive nuclear assembly or nuclear component of such assembly               If You sustain actual bodily injury or suffer illness outside your Home Country
4. Loss, destruction or damage directly occasioned by pressure waves caused              within the European Union We will indemnify You up to the amount stated in
by aircraft and other aerial devices travelling at sonic or supersonic speeds            the Schedule against the following expenses which You necessarily incur
5. Claims arising from flying or aerial activity of any kind (other than as a fare       outside the United Kingdom or Home Country within the European Union:
paying passenger in a fully licensed passenger carrying aircraft)
6. Claims arising directly or indirectly from Your wilful, malicious or                  1. Necessary Medical Expenses including hospital charges and in-patient
unlawful acts or whilst under the influence of alcohol or drugs                          treatment authorised by Us and ambulance charges for conveyance to hospital.
7. Claims arising directly or indirectly from Hazardous Pursuits unless                  Dental treatment up to the limit shown in the schedule is included only for the
declared to Us and accepted by Us by written endorsement (an additional                  alleviation of sudden pain, and does not apply to the provision of dentures or
premium may be payable)                                                                  artificial teeth and work involving the use of precious materials.
8. Any claim arising directly or indirectly from the failure of any computer             2. Reasonable additional travelling expenses in returning to Your home address
equipment, integrated circuits, computer chips or computer software to                   in the in the European Union and reasonable additional Accommodation
correctly recognise any date change                                                      expenses for You and one relative or friend required on medical advice and
9. Any claim arising directly or indirectly from any injury, illness, death, loss,       authorised by Us and Our Assistance Company to remain with or to travel with
expense or other liability attributable to HIV (Human Immunodeficiency                   You.
Virus) and/or any HIV related illness including AIDS (Acquired Immune                    3. The expense of a qualified medical attendant or other person authorised by
Deficiency Syndrome) and/or any mutual derivative or variations thereof                  Us required on medical advice to escort You home.
however caused (unless declared to Us prior to effecting this insurance, please          4. The cost of returning Your body or ashes to Your home address in the
refer to the Medical Declaration.                                                        European Union. This cover includes the cost of a standard transportation
10. Any Excess shown in the schedule                                                     container but does not include the cost of an ornamental casket or urn and must
11. Claims arising directly or indirectly from an act of Terrorism. This                 be authorized by the Assistance Company. Alternatively we will pay the cost of
exclusion does not apply to Section B – Emergency Medical and Other                      burial abroad in the country where death occurs up to a maximum limit of
Expenses except for any claims which are in any way caused or contributed by             £2,000.
an act of Terrorism involving the use or release or the threat thereof of any            5. If You sustain actual bodily injury or suffer illness outside the United
nuclear weapon or device or chemical or biological agent.                                Kingdom during the Period of Insurance resulting in admission to a hospital
                                                                                     5
overseas as an in-patient We will pay You a daily benefit for each complete 24             (i) against the advice of any Registered Medical Practitioner
hours You are hospitalised up to a maximum stated in the Schedule United                   (ii) for the purpose of obtaining medical treatment abroad
Kingdom trips only. If You sustain actual bodily injury or suffer illness                  3. Your intentional self-injury or suicide or attempted suicide or wilful
whilst on a trip within the your Home Country within the European Union We                 exposure to needless risk (except in the attempt to save a human life)
will indemnify You up to £1,000 against expenses You necessarily incur                     4. The influence of intoxicating liquor or of a drug or drugs (unless prescribed
inside the United Kingdom for cover operative in so far as paragraph 2, 3 and              by a Registered Medical Practitioner), or substance or solvent abuse or venereal
4, (transportation of remains not burial) are concerned.                                   disease
                                                                                           5. Emotional, psychological or psychiatric disorder, or whilst suffering from
SPECIAL PROVISO TO SECTION B                                                               any condition of anxiety, stress or depression unless same results in admission
In accepting the cover provided by Section B You have given Us or Our                      to a hospital as an in-patient and is not a pre-existing condition (please refer to
Assistance Company permission to approach Your General Practitioner for                    the Medical Declaration)
details of Your medical records in the event You require any form of in-                   6. You engaging in any Hazardous Pursuits (unless declared to and accepted
patient treatment following a medical emergency whilst outside your Home                   by Us)
Country within the European Union.                                                         7. Claims arising from pregnancy where the period of the trip terminates less
                                                                                           than 16 weeks before the date of delivery as estimated by a Hospital or
SPECIFIC EXCLUSIONS APPLYING TO SECTION B                                                  Registered Medical Practitioner. However where the insurance has been
What is not covered:                                                                       effected prior to confirmation of the pregnancy by such Hospital or Registered
1. Expenses which You incur in Your normal country of residence (other than                Medical practitioner and in the event of You effecting immediate cancellation
2, 3 or 4 above for United Kingdom trips or Home Country within the                        of the trip upon receipt of such confirmation We will indemnify You under
European Union only)                                                                       Section A.
2. Any surgery or MRIS, CT scans or invasive procedure including but not                   8. Claims arising from elective and invasive procedures including cosmetic
restricted to cardiac catheterization or organ transplants unless pre-approved             surgery and body piercing and tattoos.
by the Assistance Company prior to it being performed.                                     9. Claims arising from any loss or associated with You being denied boarding
3. Any in-patient hospital treatment or treatment costs in excess of £250 or               or right of passage by an airline or other carrier.
additional travelling expenses not specifically authorised by Us or Our
Assistance Company.                                                                        SECTION D – TRAVEL DELAY & MISSED DEPARTURE
4. Any expense which You incur more than twelve months after the                           What is covered:
occurrence of the injury or illness to which the claim refers                              1. If as a direct result of the outbreak of Strike or Industrial Action or weather
5. Any expense which is not usual, reasonable or customary for the medical                 conditions affecting scheduled public transport which has been the subject of
services and/or supply                                                                     Advanced Booking by You, or mechanical or electrical breakdown of motor
6. Any expense for non-essential or ongoing treatment or where treatment can               transport or train or aircraft or watercraft which has been the subject of
be reasonably delayed until You are returned to the United Kingdom or for                  Advanced Booking by You occurring after the date of commencement of
the cost of a single bed ward unless authorized by the Assistance Company                  cover, the departure time of the Outward Journey or Return Journey takes
detailed below for medical reasons only or for the service of a chiropractor,              place more than 12 hours after the departure time appearing on Your ticket,
chiropodist or osteopath or for non-medical costs                                          We will indemnify You as shown below:
7. Any private medical treatment carried out in countries operating a reciprocal           (i) Delay Compensation - An amount as stated in the Schedule
health care agreement with the UK unless specifically authorised by Our 24                 (ii) Cancellation Compensation - If You elect to cancel the Outward
Hour Medical Assistance Company and only in circumstances where a transfer                        Journey after a delay exceeding 24 hours as described above We will
to a public hospital is impossible.                                                               indemnify You in respect of irrecoverable travel or accommodation
(see also the Exclusions applying to Sections A, B and C detailed below)                          deposits or charges paid or contracted to be paid under Section A
                                                                                           2. If You miss Your booked departure due to late arrival at the point of
SECTION C - PERSONAL ACCIDENT                                                              international departure caused by accident or electrical or mechanical
What is covered:                                                                           breakdown to the conveyance in which You are travelling, or to exceptional
If You sustain bodily injury caused solely by accidental, violent, external and            and unforeseeable traffic conditions, in the course of:-
visible means and such bodily injury solely and directly results within twelve             (a) Your direct journey to the point of international departure immediately
months in Your death or disablement, We will pay to You the benefits shown                        prior to commencement of the Outward Journey from the United
in the Schedule in accordance with the following items:                                           Kingdom or
Item 1 - Death                                                                             (b) Your direct journey to the point of international departure immediately
Item 2 - Permanent loss by physical severance of hand or foot at or above the                     prior to commencement of the Return Journey to the United Kingdom
wrist or ankle or the total and permanent loss of use of an entire hand or arm or                 We will pay up to the limit stated in the Schedule for additional travel
of an entire foot or leg or total and irrecoverable loss of all sight in one or both              charges which You necessarily and reasonably incur in the purchase of a
eyes                                                                                              ticket for an alternative journey
Item 3 - Permanent total disablement resulting in Your permanent and
absolute inability to attend to any profession, business or gainful occupation of          Provided that:
any and every kind                                                                         1. any payment We make in respect of 1(i) above for delays in the Outward
                                                                                           Journey will be deducted from any subsequent payment made under 1 (ii).
Provided that:                                                                             2. In respect of 1 above You must check-in according to the itinerary provided
(1) if You are under 16 years of age the benefit under Item 1 is limited to                by the Tour Operator or Carrier, and obtain written confirmation of the delay
     £1,500                                                                                from such Tour Operator or Carrier.
(2) if You are aged 65 years or over Item 1 is limited to £1,500.                          3. Compensation as described in 1 (ii) above is only payable in respect of
                                                                                           delays on the Outward Journey from the United Kingdom.
SPECIFIC EXCLUSIONS APPLYING TO SECTION C                                                  4. You must produce independent evidence in writing to support any claim
What is not covered:                                                                       5. Our limit of liability under 1 (ii) will not exceed the amount stated in the
No compensation will be payable:                                                           Schedule for Section A Cancellation.
1. Under more than one of items 1, 2 or 3 and on payment of a claim under any              6. In respect of 2 above You must take all reasonable steps to arrive at the
one of these items all liability under this Section will cease in so far as You are        departure point at or before the recommended check in time and have allowed
concerned                                                                                  sufficient time for Your journey.
2. In respect of claims arising from any medical condition or treatment or
illness or disease.                                                                        SPECIFIC EXCLUSIONS APPLYING TO SECTION D
(see also the Exclusions applying to Sections A, B and C detailed below)                   What is not covered:
                                                                                           1. Circumstances which could reasonably have been anticipated at the date this
EXCLUSIONS APPLYING TO SECTION A, B & C                                                    insurance was effected.
What is not covered:                                                                       2. Withdrawal from service (temporary or otherwise) of an aircraft or sea vessel
Claims arising from:                                                                       on the recommendation of the Civil Aviation Authority or a Port Authority or
1. All pre-existing medical conditions or if You are awaiting or undergoing                any similar body in any country.
treatment or You are undergoing or awaiting any medical investigations or                  3. Any Excess shown in the Schedule for item 1 (ii).
consultation with a specialist or awaiting diagnosis or test results or any
condition that could reasonably require medical treatment during the Period of
Insurance (please refer to the Medical Declaration )
2. Travel arrangements made or undertaken:
                                                                                       6
SECTION E - PERSONAL POSSESSIONS
What is covered:                                                                        EXCLUSIONS APPLYING TO SECTIONS E, F & G
We will indemnify You;                                                                  What is not covered:
1. For loss of or theft of or damage to Personal Possessions belonging to You           1. Loss due to delay, detention, confiscation, requisition or damage by Customs
up to the amount stated in the Schedule (no single article being insured for            or other Officials or Authorities
more than the limit shown. A camera or camcorder with all accessories, a                2. Loss or theft unless:
bracelet or necklet with any attachment and any similar set or pair of items will       (a) You have reported the loss or theft to the nearest Police authority within
be considered as one article) subject to the following depreciation scale:                    24 hours of discovery and
      80% under 6 months old                                                            (b) You have obtained a written Police report
      60% over six months old and less than one year.                                   3. Loss of or theft of
      50% over one year old and less than two years.                                    (a) Valuables, Passports or Money from an Unattended vehicle at any
      40% over two years old and less than three years.                                       time.
      30% over three years old and less than four years.                                (b) Other property insured from an Unattended motor vehicle unless the
      20% over four years old and less than five years.                                       vehicle was securely closed and locked, and such property placed out of
      10% if over five years.                                                                 sight in the locked boot or in a locked compartment within the vehicle,
2. For loss of or theft of or damage to Sports Equipment belonging to You up                  but in any event excluding all property insured whilst left in an
to the amount stated in the Schedule (no single article being insured for more                Unattended motor vehicle between 2000 hours and 0800 hours local
than the limit shown).                                                                        time, other than motor homes or caravans which are being occupied by
3. The cost of necessary purchase of replacement clothing and toiletries if You               You as Your holiday accommodation.
are temporarily deprived of Your Personal Possessions on the Outward                    4. Theft of property left Unattended other than as provided above or whilst in
Journey for a period of more than 12 hours from the time of arrival at Your             Your securely locked accommodation.
destination due to their delay or misdirection in delivery up to the amount             5. Loss of or theft of Valuables or Money whilst in a suitcase or holdall or bag
stated in the Schedule under Delayed Baggage.                                           or similar receptacle outside Your immediate control.

Provided that:                                                                          SECTION H - PERSONAL LIABILITY
1. You take all reasonable precautions for the safety of the property insured.          What is covered:
2. Our liability in respect of Valuables is limited to a total amount shown in          We will indemnify You against all sums up to the amount stated in the
the schedule.                                                                           Schedule which You are legally liable in a personal capacity to pay in respect
3. Any claims payment made in respect of temporary deprivation of Personal              of accidents happening during the Period of Insurance resulting in:
Possessions will be deducted from any subsequent claim where the property               1. Bodily injury, death or disease to any person not being a member of Your
insured proves to be permanently lost. You must keep receipts for all                   Family or household or in Your service.
replacement purchases                                                                   2. Damage to property not:
4. You must supply at Your own expense a Statutory Declaration regarding                (i) Belonging to You or in the charge of or under the control of You or a
any claim arising under this section of the Policy if We so require.                          member of Your Family or household or of a person in Your service
                                                                                              N.B. For accidental damage to rented accommodation We will pay up to
SPECIFIC EXCLUSIONS APPLYING TO SECTION E                                                     £100,000 for a single incident which You are legally responsible for. The
What is not covered:                                                                          indemnity provided by this Section extends to cover costs and expenses
1. Loss or damage arising from wear and tear or depreciation or deterioration                 recoverable by any claimant, provided they were incurred before the date
or any process of cleaning or repairing or restoring or atmospheric or climatic               (if any) on which We paid or offered to pay either the full amount of the
conditions or moth or vermin or electrical or mechanical breakdown or                         claim or the total amount recoverable, in respect of any one occurrence
derangement.                                                                                  and also to costs and expenses incurred by You with Our written consent.
2. Loss of or theft of or damage to contact or corneal lenses, prescription or                In the event of Your death Your personal representative will receive the
sunglasses over £75 in value, dentures, hearing aids, mobile telephones,                      benefit of the cover granted by this section.
samples or merchandise or property used in connection with Your business or
trade, bonds, coupons, securities, stamps or documents of any kind, vehicles or         SPECIFIC EXCLUSIONS APPLYING TO SECTION H
accessories, antiques, pictures, Sports Equipment whilst in use, boats and/or           What is not covered:
ancillary equipment including windsurfing equipment and sailboards, caravan             1. Claims arising:
awnings, glass, china or any other articles of a brittle or fragile nature.             (i) directly or indirectly out of the ownership, possession or use (other than
3. Loss of or damage to property shipped as freight or under a bill of lading.                 as a passenger having no right of control) of aircraft, model aircraft,
(See also the Exclusions applying to Sections E, F and G detailed below)                       caravans, trailers, motorised or electrically propelled water-borne craft,
                                                                                               sailing vessels, wind surfers, mechanically or electrically propelled
SECTION F - MONEY                                                                              vehicles or conveyances or attached trailers and lifts
What is covered:                                                                        (ii) directly or indirectly out of the ownership, possession or use of animals or
We will indemnify You up to the amount stated in the Schedule in respect of                    firearms
accidental loss or theft of Money whilst on Your person or whilst in a safety           (iii) from any Hazardous Pursuit
deposit box within a hotel or bank or whilst in Your securely locked                    (iv) directly or indirectly out of or incidental to Your business or trade or
accommodation under Your control.                                                              profession including voluntary work or any form of child minding
                                                                                        (v) out of actions between persons insured by Us
Provided that:                                                                          (vi) directly or indirectly out of Your ownership possession or control of any
1. You take all reasonable precautions for the safety of the property insured                  land or buildings
2. You must supply at Your own expense a Statutory Declaration regarding                (vii) out of any liability assumed under a contract unless such liability would
any claim arising under this section of the Policy if so required                              have attached in any event in the absence of such contract
3. Our limit of liability in respect of cash being carried on any one person is         (viii) directly or indirectly due to an infectious disease
limited to the amount shown in the Schedule.                                            2. Any Excess shown in the Schedule for 2 above.

SPECIFIC EXCLUSIONS APPLYING TO SECTION F                                               SECTION I - LEGAL EXPENSES
What is not covered:                                                                    Definitions which only apply to this Section Appointed Lawyer - The lawyer
1. Shortages of Money due to error or omission or depreciation in value or              or other suitably qualified person, who has been appointed to act for You under
currency transfers costs                                                                conditions 2 to 8 of this section.
(see also the Exclusions applying to Sections E, F and G below)                         Legal costs - All reasonable and necessary costs charged by the appointed
                                                                                        lawyer on a standard basis. Also the opponent’s costs in civil cases if You have
SECTION G - PASSPORT, TICKETS & DOCUMENTS                                               to pay them, or pay them with Our agreement.
What is covered:                                                                        Date of the Incident - The date the incident happened that may lead to a claim.
We will indemnify You up to the amount stated in the Schedule for                       If there is more than one event arising at the same time or from the same cause,
(a) the reasonable costs in obtaining a replacement passport (or travel                 then the date of the incident is the date of the first of these events.
    document) to enable You to return to the United Kingdom following the               Insured incident - An event which causes the death of, or bodily injury to
    accidental loss or theft of Your Passport whilst outside the United                 You.
    Kingdom
(b) the irrecoverable costs of travel tickets, green card, petrol coupons,
    driving licence or phone cards following accidental loss or theft
                                                                                    7
What is Covered:                                                                       We will pay You a benefit as stated if You suffer Withdrawal of Services
Under this section, We will negotiate for Your legal rights after an Insured           continuously for at least 24 hours during Your trip up to the maximum stated
Incident. We will also help in appealing or defending an appeal. If You use an         in the Schedule.
Appointed Lawyer, We will pay the legal costs for this. The most We will
pay for all claims for an Insured Incident, resulting from one or more event           SPECIFIC EXCLUSIONS APPLYING TO SECTION J
arising at the same time or from the same cause is shown in the Schedule of            No benefit will be payable:
Maximum Sums Insured. We agree to provide legal expenses cover, keeping                1. Where this policy is issued within 4 weeks of the departure date of Your
to the terms, conditions and exclusions, as long as:                                   trip.
- any legal proceedings will be dealt with by a court or other body which We           2. For a Strike or Industrial Action existing at the date Your trip was booked.
agree to;                                                                              3. For services which were not part of Your pre-paid package deal.
- in civil claims, it is always more likely than not that You will recover             4. Unless supported by written confirmation from the tour operator or hotel to
damages (or other legal remedy) or make a successful defence; and                      substantiate Your claim.
- the Insured Incident happens during the Period of Insurance
As well as the general conditions, the following exclusions and conditions             SECTION K - HIJACK
apply.                                                                                 What is covered:
                                                                                       If You are prevented from reaching Your scheduled destination as a result of
What is not covered:                                                                   Hijack of the aircraft or ship in which You are travelling, We will pay You for
1. Any claim reported to Us more than 180 days after the date You should               each full 24 hours of delay up to the maximum stated in the Schedule.
have known about the Insured Incident.
2. Any legal costs incurred before We agree to pay them.                               Provided that:
3. Any claim relating to a) any illness that develops gradually or is not caused       1. Compensation is only payable if no claim is made under Section A
by a specific or sudden accident; b) You driving a motor vehicle for which             Cancellation or Section D Travel Delay
You do not have valid motor insurance; c) an application for Judicial Review.          2. You must produce independent evidence in writing in support of any claim.
4. Defending Your legal rights but defending a counter claim is covered.
5. Any disagreement with Us that is not in condition 17 of this section.               SECTION L - MUGGING BENEFIT
6. Any legal action You take which We or the Appointed Lawyer have not                 What is covered:
agreed to or where You do anything that hinders Us or the Appointed                    If You sustain actual bodily injury as a result of a Mugging attack during the
Lawyer.                                                                                Period of Insurance resulting in medical treatment necessitating admission to
7. Any legal action against the travel agent, tour operator, carrier, any of the       an overseas hospital, We will pay You a benefit per complete 24 hours You are
Insurers listed on this policy or their agents.                                        hospitalised abroad up to the maximum stated in the Schedule.
8. Fines, damages or other penalties which You are ordered to pay.
                                                                                       Provided that:
Conditions:                                                                            1. The incident was reported to the nearest Police Authority within 12 hours of
You must do the following:                                                             the incident occurring and a written Police Report is obtained
1. Send everything We ask for in writing and give Us full details of any claim,        2. You produce independent evidence in writing in support of any claim.
and any information We need, as soon as possible.
2. We can take over and conduct, in Your name, any claim or legal                      SPECIFIC EXCLUSIONS APPLYING TO SECTION L
proceedings at any time before an Appointed Lawyer is appointed. We can                What is not covered:
negotiate any claim on Your behalf.                                                    Claims arising from:-
3. If We agree to start legal proceedings and You have to be represented by a          1. You being under the influence of intoxicating liquor or of a drug or drugs, or
lawyer, or if there is a conflict of interest, You can choose an Appointed             of substance or solvent abuse
Lawyer by sending Us the lawyer’s name and address. We may choose not to               2. Your intentional self-injury or Your wilful exposure to risk or Your
accept the choice of lawyer, but only in exceptional circumstances. If You and         deliberate acts.
We disagree over the choice of Appointed Lawyer, another lawyer can be
appointed to decide the matter (see condition 17).                                     SECTION M - CATASTROPHE
4. Before You choose a lawyer, We can appoint an Appointed Lawyer.                     What is covered:
5. We will appoint an Appointed Lawyer to represent You according to Our               We will pay You up to the limit shown in the Schedule should You be forced
standard terms of appointment. The Appointed Lawyer must co-operate fully              to move from Your pre-booked and pre-paid accommodation outside of the
with Us at all times.                                                                  United Kingdom as a result of fire, lightning, explosion, earthquake, storm,
6. We will have direct contact with the Appointed Lawyer.                              tempest, hurricane, flood, medical epidemic or local Government directive
7. You must co-operate fully with Us and the Appointed Lawyer and must                 occurring while You are abroad and which is confirmed in writing by local or
keep Us up-to-date with the progress of the claim.                                     national authority for the additional irrecoverable travel or accommodation
8. You must give the Appointed Lawyer any instructions that We ask for.                costs necessarily incurred to continue with Your prepaid trip or, if the trip
9. You must tell Us if anyone offers to settle the claim.                              cannot be continued, for Your return to the United Kingdom.
10. If You do not accept a reasonable offer to settle a claim, We may refuse to
pay further legal costs.                                                               SPECIFIC EXCLUSIONS APPLYING TO SECTION M
11. You must not negotiate or agree to settle a claim without Our approval.            What is not covered:
12. We may decide to pay You the amount of damages that You are claiming               No compensation will be payable for:
or is being claimed against You instead of starting or continuing legal                1. Any expense following Your disinclination to travel or to continue with
proceedings.                                                                           Your trip when official directives from the local or national authority state it is
13. If We ask, You must tell the Appointed Lawyer to have legal costs taxed,           acceptable to do so.
assessed or audited.                                                                   2. Any cost or expense payable by or recoverable from the tour operator,
14. You must take every step to recover legal costs that We have to pay and            airline, hotel or other provider of services.
must pay Us any legal costs that You recover.                                          3. Any cost or expense resulting from circumstances existing prior to your
15. If Your Appointed Lawyer refuses to continue acting for You or if You              arrival at your pre-paid and pre-booked accommodation
dismiss Your Appointed Lawyer, the cover We provide will end at once,
unless We agree to appoint another Appointed Lawyer.                                   SECTION N - SCHEDULED AIRLINE FAILURE
16. If You stop a claim without Our agreement, or do not give suitable                 This cover is only applicable to Globelink Comprehensive including
instructions to Your Appointed Lawyer, the cover We provide will end at                Comprehensive Wintersports Cover and Annual Multi-Trip Travel
once.                                                                                  Insurance.
17. If We and You disagree about the choice of Appointed Lawyer, or about              Definitions which only apply to this Section Irrecoverable Loss – Deposits
how a claim is handled. We and You can choose another lawyer to decide the             and charges paid by You for Your Trip which are not recoverable from any
matter. We and You must both agree to this in writing. If We cannot agree              other source including but not limited to insurance policies or financial bonds
with You about the choice of second lawyer, We will ask the president of a             and guarantees provided by the Scheduled Airline or another insurance
relevant national law society to choose a lawyer. Whoever loses the                    company or a government agency or a travel agent or credit card company.
disagreement will have to pay the costs of settling it.                                Trip – The Outward Journey and Return Journey on a Scheduled Airline
                                                                                       booked and paid for by You.
SECTION J - WITHDRAWAL OF SERVICES                                                     Scheduled Airline – An airline upon whom Your Trip depends operating a
What is covered:                                                                       regular systematic service to a published timetable whose flights are available

                                                                                   8
to paying members of the general public on a seat only basis and which is not           3. If Your hired equipment is lost, stolen or damaged We will pay up to £100
part of a package holiday arranged by a tour operator.                                  for replacement or repair if You are held responsible.
Insolvency or Financial Failure – An event causing the cancellation of all or
part of Your Trip happening after You purchased this insurance which results            SECTION O2 - WINTER SPORTS EQUIPMENT HIRE
in the Scheduled Airline no longer carrying on its business or service as a             What is covered:
result of financial failure within the meaning of the Insolvency Act 1986 or            If Your own equipment is lost, stolen or damaged after commencement of the
any statutory modification or re-enactment thereof or a similar legal action in         Outward Journey, You will be covered for the reasonable cost of hiring a
consequence of debt under the jurisdiction of a competent court in another              snowboard or skis (including bindings), boots and poles during Your trip up to
country.                                                                                the limit shown in the schedule.

What is covered:                                                                        SPECIFIC EXCLUSIONS APPLYING TO SECTIONS O1 AND O2
We will indemnify You for Irrecoverable Loss of                                         What is not covered:
(a) unused flight ticket charges paid for a Scheduled Airline flight                    1. You are not covered for the following
    associated with Your Trip that are not refundable and which were                    (a) Loss of, theft of or damage to Your winter sports equipment during Your
    incurred before Your departure date if You have to cancel Your Trip or                   Outward or Return Journey if You do not get a written ‘carrier’s
    if You have already completed the Outward Journey.                                       report’, or a ‘Property Irregularity Report’ in the case of an airline. If You
(b) the extra cost of a one way airfare of a standard no greater than the class              cannot report the loss, theft or damage to the carrier straight away, You
    of journey on the Outward Journey to allow You to complete the                           must do so in writing within seven days
    Return Journey of Your Trip as a result of the Insolvency or Financial              (b) Loss or theft of Your winter sports equipment at any other time if You do
    Failure of the airline on which You are booked to travel causing the                     not report the loss or theft to the police within 24 hours of discovering it
    flight (or flights) on which Your trip depends that were subject to                      and get a police report from them
    Advanced Booking being discontinued and You not being offered from                  (c) Loss or damage caused by delay, wear and tear, moths, vermin, weather
    any other source any reasonable alternative flight or refund of charges                  and atmospheric conditions or mechanical failure
    You have already paid.                                                              (d) Loss of or theft of or damage to property left in or on a vehicle overnight.
                                                                                        2. You are not covered for claims for which You receive compensation from
SPECIFIC EXCLUSIONS APPLYING TO SECTION N                                               someone else.
What is not covered:                                                                    3. You are not covered for more than the limit shown in the schedule for any
1. Any expense following Your disinclination to travel or to continue with              one snowboard or pair of skis (including bindings), boots or poles.
Your Trip or loss of enjoyment on Your Trip
2. Any expense arising from circumstances which could reasonably have been              Conditions:
anticipated at the time You booked Your trip                                            1. You must take proper care of Your belongings and act as if You did not
3. Any form of travel delay or other temporary disruption to Your trip                  have this insurance policy.
4. Any loss sustained by You when the Certificate of Insurance or other                 2. You must keep any of Your own damaged property so that We can inspect
evidence or coverage was effected after the date of the first Threat of                 it. When We make a payment for that property, it will then belong to Us.
Insolvency or Financial Failure (as defined herein) of the Scheduled Airline
or other relevant company was announced.                                                SECTION O3 - SKI PACK (LESSONS, HIRE, LIFT PASS)
5. Any loss sustained in respect of Charter flight tickets associated with a            What is covered:
package holiday and/or other flight tickets not on a Scheduled Airline as               If You fall ill or are injured during the trip and We accept a valid claim under
defined.                                                                                Section B (Medical Expenses), You will be covered for the proportional costs
                                                                                        of the part of the ski pack which You cannot use. Ski pack expenses are limited
SECTION O - WINTER SPORTS EXTENSION                                                     to irrecoverable pre-paid costs for ski lessons, ski equipment hire and lift passes
This cover is provided only if You are under 65 and have paid the premium               incurred prior to the date of the illness or injury that gave rise to the claim.
required. Below are the details of winter sports cover provided by this
extension.                                                                              SPECIFIC EXCLUSIONS APPLYING TO SECTION O3
Winter sports                                                                           What is not covered:
1. You will be covered under all sections for the following winter sports: cross        You are not covered for claims arising from circumstances that are normally
country skiing, curling, downhill skiing/ snowboarding and ice-skating. Skiing          excluded from Section B (Medical Expenses).
and snowboarding off-piste is covered provided You are skiing within the
boundaries of a recognised resort area designed for public use and are not              SECTION O4 - PISTE CLOSURE
skiing in areas marked out of bounds or hazardous by the piste authorities.             What is covered:
Heli skiing is only covered as part of a pre-paid excursion led by professional         This cover is only available for holidays starting after 1st January and ending
guides. Tobogganing and snowmobiling are covered under sections A, B & C                before 1st April. If adverse weather conditions cause the total closure of all ski
but We will not cover any claims under any other section resulting from any             facilities for more than one day at the resort You are booked into, You will be
bodily injury or damage to property that may arise from Your use of sledges,            covered for a daily benefit up to the limits shown in the schedule for reasonable
skidoos or powered vehicles of any kind. No cover is provided for any form of           additional transport costs and lift hire costs to enable You to ski in a different
ski racing, ski jumping, ice hockey or any other hazardous or extreme sports            resort. If it is not possible to arrange transport to a different resort, You will
not specifically listed above.                                                          receive the daily benefit for each whole day’s skiing lost.
2. You are not covered for winter sports equipment under section E (Personal
Possessions) of this travel policy. Please see below for details of winter sports       SPECIFIC EXCLUSIONS APPLYING TO SECTION O4
equipment cover.                                                                        What is not covered:
3. Ski lift passes are included in the cover provided by section F & G (Money           1. You will not be covered for any amount You can get back from someone or
and Documents) of this travel policy. The following extra cover up to the               somewhere else.
maximum limits shown in the schedule is also included in the Winter Sports              2. You will not be covered if You booked the trip within 14 days of going on
Extension:-                                                                             the trip.

SECTION O1 - WINTER SPORTS EQUIPMENT                                                    Conditions:
What is covered:                                                                        1. Cover will only apply for as long as there are adverse weather conditions
1. If Your snowboard or skis (including bindings) boots and poles are lost,             closing all skiing facilities at Your resort.
destroyed or stolen, We will pay You up to the limit shown in the schedule              2. Cover will only apply if Your resort area has ski facilities above 1600
subject to the following depreciation scale based on the original purchase price        metres.
of the equipment and the age of the item(s)                                             3. You must get written confirmation from the appropriate piste authority to
      80% under 6 months old                                                            confirm that all pistes were closed or that it was not possible to travel to
      60% over six months old and less than one year.                                   another resort.
      50% over one year old and less than two years.
      40% over two years old and less than three years.
      30% over three years old and less than four years.
      20% over four years old and less than five years.
      10% if over five years.
2. You will be covered for repair costs up to the values shown above if Your
snowboard or ski equipment is damaged.
                                                                                    9
SECTION O5 - AVALANCHE CLOSURE
What is covered:                                                                      COMPLAINTS PROCEDURE
If Your arrival at, or departure from, Your resort is delayed for more than 12        If, for any reason, You consider that We have not kept Our promise or You
hours due to avalanche, landslide or landslip, You will be covered for                have any cause for complaint regarding this insurance please contact the agent
reasonable extra travel and accommodation expenses up to the limits shown in          who old this policy to You in the first instance. If Your complaint is regarding
the schedule for each full 24 hours that You are delayed.                             a claim, in the first instance write to the Claims Manager at the claims service
                                                                                      detailed on the Travel Insurance Schedule.
SPECIFIC EXCLUSIONS APPLYING SECTION O5
What is not covered:                                                                  If Your complaint is not resolved to Your satisfaction or if Your complaint is
1. You will not be covered if the tour operator pays for Your extra travel and        not regarding a claim, You should write to the Managing Director, All Seasons
accommodation costs.                                                                  Underwriting Agencies Ltd, (ASUA) 6-8 Fenchurch Buildings, Fenchurch St,
2. If You receive compensation from someone or somewhere else, We will                London EC3M 5HT. ASUA are regulated by the Financial Services Authority.
take this off Your claim.                                                             Reg. No. 308488.

                                                                                      If Your complaint is not resolved to Your satisfaction by ASUA then You
                                                                                      should write to: Managing Director. ETI Insurance Company Limited. Albany
                                                                                      House, 14 Bishopric, Horsham RH12 1QN. Regulated by the Financial
                                                                                      Services Authority. Please always give details of the policy and complaint,
                                                                                      together with the claims reference number. We will review Your case and
                                                                                      reply to You in writing.

                                                                                      ETI International Travel Protection (ETI) is an umbrella Trademark in the
                                                                                      UK for the Branch offices of: Europäische Reiseversicherung A.G. Munich,
                                                                                      Germany, (www.erv.de) (the European Travel Insurance Company) with its
                                                                                      registered address being Vogelweidestr. 5, 81677 München, Germany. -
                                                                                      Companies House Registration number is FC 25660 and Branch Registration
                                                                                      BR 007939. Europäische Reiseversicherung A.G. Munich are a member of
                                                                                      the Munich Reinsurance Group. Europäische Reiseversicherung AG is
                                                                                      licensed, authorised and regulated by the German Bundesanstalt für
                                                                                      Finanzdienstleistungsaufsicht(BAFIN – www.bafin.de) and approved by the
                                                                                      Financial Services Authority (FSA) www.Fsa.gov.uk) to undertake insurance
                                                                                      business in the UK.

                                                                                      We are covered by the Financial Services Compensation Scheme (FSCS). You
                                                                                      may be entitled to compensation from the scheme if We cannot meet Our
                                                                                      obligations. This depends on the type of business and circumstances of the
                                                                                      claim. Most insurance contracts are covered for 100% of the first £2,000 and
                                                                                      90% of the remainder of the claim. Further information is available from the
                                                                                      Financial Services Authority or the FSCS at www.fscs.org.uk or on 020 7892
                                                                                      7300.

                                                                                      You can check the above details on the Financial Services Authority Register
                                                                                      by visiting the FSA website: www.fsa.gov.uk/register or by contacting the FSA
                                                                                      on 0845 606 1234.

                                                                                      If You are still not satisfied You can contact the: Financial Ombudsman
                                                                                      Service. South Quay Plaza, 183 Marsh Wall, London. E14 9SR.

                                                                                      The complaints procedure above does not affect any legal rights You may have
                                                                                      to take action against Us.

                                                                                      Please note that the Ombudsman will not normally review Your case until such
                                                                                      time We have made Our final decision. Please give Us the opportunity to
                                                                                      handle Your complaint before referring things to the Ombudsman.




                                                             USEFUL CONTACT INFORMATION

FOR GENERAL INFORMATION
Globelink International Travel Insurance                          Telephone +44 (0)1353 699082                         Email info@globelink.co.uk


FOR EMERGENCY ASSISTANCE - 24 HOURS 365 DAYS PER YEAR. (NOT TO BE USED FOR CASUAL ENQUIRIES)
Speciality Assistance                          Telephone +44 (0) 208 669 9292 Fax +44 (0) 208 669 3442


CLAIMS DEPARTMENT
Claims Settlement Agencies Ltd                                    Telephone +44 (0)1702 553443                         Fax +44 (0)844 826 2645


MEDICAL SCREENING OF PRE-EXISTING MEDICAL CONDITIONS (INCLUDING CHANGES IN CONDITIONS)
International Medical Screening                Telephone +44 (0) 208 315 4374 (Quoting “Globelink”)




                                                                                 10
                                                              POLICY SUMMARY

   Globelink International Travel Insurance Consultants Ltd.                                84 Cannon Street, Little Downham, Ely, Cambridgeshire CB6 2SS


                                                                  POLICY SUMMARY
Some important facts about Your insurance are summarized within this document. This summary does not describe all the terms and conditions
of Your policy, so please take time to read the Travel Insurance Policy to make sure You understand the cover it provides at the time of purchase.
This Policy Summary does not form part of the contract between us.
INSURANCE PROVIDER
Your Travel Insurance is arranged by All Seasons Underwriting Agencies Limited on behalf of ETI Insurance Company Limited. This insurance is
underwritten by ETI Insurance Company Limited, Albany House, 14 Bishopric, Horsham RH12 1QN. ETI Insurance Company Limited are authorized and
regulated by the Financial Services Authority.
TRAVEL INSURANCE
Your declared cover and period of cover is shown on Your Validation Certificate.
PURPOSE OF THE INSURANCE
This is a travel policy that, subject to the terms, conditions and exclusions contained in the Policy Document, provides certain financial protection and
medical assistance for your trip(s).
SIGNIFICANT PRODUCT FEATURES, BENEFITS AND EXCLUSIONS
The levels of cover and excesses that apply are set out in the Schedule of Benefits on the Travel Insurance Schedule or Travel Quotation Schedule. Certain
Sections of your Policy carry an excess which means that you have to pay the first sum per person, per incident if you claim. The excess amount varies
according to the Section you are claiming under. The table below sets out the significant benefits and exclusions of your Policy. The policy includes many
other benefits, conditions and exclusions.
EXCESSES
You and each person named on the deposit receipt will be responsible for the first part of a claim made under certain sections of this insurance (shown in
the table above) this is known as the “Excess”. If you have paid the additional premium to waive the excess, the standard claims excess will not apply.
YOUR RIGHT TO CANCEL THIS POLICY
We hope you are happy with the cover this policy provides. However, if after reading the policy you have a valid reason why this insurance does not meet with your
requirements, please return it to Globelink within 14 fourteen days of issue stating the reason for your dissatisfaction and we will refund your premium. In certain cases an
administration fee may be deducted from such refund. If your policy is an annual multi-trip policy, the Insurer shall not be bound to accept renewal of any Insurance and may
at any time cancel any insurance document by sending 14 days notice to the Insured at his last known address. Provided the premium has been paid in full the Insured shall be
entitled to a proportionate rebate of premium in respect of the un-expired period showing on the Insurance

HOW TO MAKE A CLAIM
If you need to make a claim, please obtain a claim form no later than 31 days after the event by telephoning Claims Settlement Agencies Ltd. On +44 (0)1702 553443.
If you require emergency medical treatment and/or repatriation assistance or need to curtail your trip whilst abroad you must contact Speciality Assistance 24 Hour Assistance
Service on +44 (0)208 669 9292 or we may not pay your claim.

HOW TO MAKE A COMPLAINT
It is the intention to give You the best possible service but if You do have any questions or concerns about this Insurance You should in the first instance
contact the Managing Director of the Administrators. The contact details are: Globelink International Travel Insurance Consultants Ltd, 84 Cannon Street,
Little Downham, Ely, Cambridgeshire, CB6 2SS, Tel: +44 (0) 1353 699 082, E-mail: info@globelink.co.uk
Please ensure that Your Validation Certificate Number is quoted in all correspondence to assist a quick and efficient response.

If You have any concerns or a complaint in relation to the handling of a claim, please follow the process below or refer to the Complaints Procedure on
Page 10 of the policy document:-

Contact in writing, Managing Director, All Seasons Underwriting Agencies Ltd, (ASUA) 6-8 Fenchurch Buildings, Fenchurch St, London EC3M 5HT.
ASUA are authorized and regulated by the Financial Services Authority. Reg. No. 308488. ASUA act as an agent of the Insurers who are ETI Insurance
Company Limited

If after taking the above action You are still consider the matter not resolved, the following action is then open to You.
Financial Ombudsman Service
South Quay Plaza, 183 Marsh Wall, London E14 9SR.
The complaints procedure above does not affect any legal rights You may have to take action against Us. Please note that the Ombudsman will not
normally review Your case until such time We have made Our final decision. Please give Us the opportunity to handle Your complaint before referring
things to the Ombudsman.

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




                                                                                       11
Medical Conditions   If you, anyone travelling with you, a close relative or business associate the trip will depend on:        ‘Important Declaration of
existing prior to    (a) Nobody is waiting for an operation, hospital consultation or any other hospital treatment or           Pre-existing      Medical
purchasing this      investigations including the results of a routine test.                                                    Conditions’
policy               (b) Nobody has been seen by a specialist or been admitted to a hospital overnight in the last
                     twelve months.                                                                                             Exclusions Applying to
                     (c) Nobody has any breathing or heart problem (including angina) or high blood pressure which              Section A, B and C – ‘What
                     has needed treatment (including regular medication) in the last two years.                                 is not covered’
                     (d) Nobody has received treatment, including regular medication, in the last 12 months for any of          Section B – Medical,
                     the following:                                                                                             Treatment & Repatriation
                     • disorder of the blood such as clotting, bleeding or anaemia                                              Expenses – ‘What is not
                     • any form of stroke                                                                                       covered ’
                     • Any form of cancer, leukaemia or tumour                                                                  To      declare    Medical
                     • a transplant or dialysis treatment                                                                       Conditions – contact the
                     • any psychiatric illness, stress, depression, anxiety or dementia                                         telephone number detailed
                     • any other pre-existing and on-going medical condition that has required regular medication.              on your Travel Insurance
                     (e) Nobody has been diagnosed by a registered doctor as having a terminal condition                        Schedule
                     (f) Nobody has been diagnosed as being pregnant with an expected delivery date within 16 weeks
                     of the trip return date
                     (g) I do not know of any reason why the trip is likely to be cancelled or cut short or of any facts that
                     may cause a claim on this insurance.
                     Note if you or anyone travelling with you cannot agree with this declaration when you take out the
                     insurance or book a trip you must phone the Health Check line detailed on the Travel Insurance
                     Schedule quoting the scheme reference number and your validation certificate number. Do this at
                     the time of taking out this insurance or booking Your trip and they will tell You if We can give
                     cover. If You cannot contact them at the time of buying this insurance, You must contact them
                     within 14 days, but before You travel. They will tell You if they need any more information.
                     For a Close Relative or Business Associate who is not travelling and whose health may
                     affect the trip.
                     If, at the time of taking out this insurance (or booking the trip if this was later) Your Close Relative
                     or Business Associate had a medical condition for which he/she:
                     Was receiving treatment at hospital
                     Was waiting for a hospital consultation or treatment
                     Had been given a terminal prognosis, or been told that their condition is likely to get worse in the
                     next 12 months We will not pay for any problem which has anything to do with that medical
                     condition.
                     CHANGE IN YOUR CIRCUMSTANCES
                     If after taking out this Insurance You become aware of any circumstances that may give rise to a
                     claim such as changes in Your health or that of a person on whom this insurance may depend
                     (e.g. a Close Relative) You must contact Us and tell Us about the changes as soon as reasonably
                     possible and prior to any trip. We may in the light of such changed circumstances not be able to
                     continue cover under sections A and B of this insurance. If this is not acceptable to You, We will
                     cover You for any loss of deposit or cancellation charges You have necessarily incurred up to the
                     date of the change of circumstances that are normally covered under Section A of this insurance.
                     In these circumstances no Policy Excess will be applied. Please note that You must contact us
                     promptly regarding the change and are responsible for all costs incurred in obtaining any medical
                     reports required by Us. If You do not contact us within 7 days of the change of circumstance, You
                     will be responsible for any increased costs incurred as a result of the delay in cancelling Your trip
                     and We will only pay the costs that would have applied had You cancelled Your trip within 7 days
                     of the date of the change of circumstances giving rise to the claim. For advice and assistance,
                     please contact the Health Check line.
Age Limits           There may be Age Restrictions on your Policy. Please ask your issuing agent if this applies to you.
Country of           Country in which you live, for the majority of the year. Being either the United Kingdom or a
Residence            member country of the European Union.
Hazardous Sports     You are not covered for taking part in any Hazardous Pursuit unless it is listed in the policy
& Leisure            wording. If You are going to take part in any activity that may be considered dangerous or                 Important Information 3
Activities           Hazardous that is not detailed in the Policy Wording, please contact the selling agent who will            ‘Hazardous Pursuits’
                     contact Us to see if We can provide cover. Please note that under the Personal Liability section
                     You will not be covered for liability caused directly or indirectly by Your owning or using firearms or    Winter Sports ‘Definitions’
                     weapons, animal, aircraft, motorised vehicle, boat and other watercraft, or any other form of
                     motorised leisure equipment, including jet skis and snowmobiles. You may be covered when
                     participating in certain winter sports if you have paid to extend your cover.
Law and                                                                                                                         Important Information 17
Jurisdiction         This insurance is governed by English Law unless we agree otherwise.                                       ‘Jurisdiction’

Section Of Cover     Significant Features and Benefits                         Policy Limits and Exclusions Applying to Significant Covers
CANCELLATION         Cancellation provides cover for travel and                To be able to claim, the reason why the trip is being cancelled or cut short
OR CURTAILMENT       accommodation expenses paid or contracted to be           must be necessary and unavoidable and must fall into one of the reasons
                     paid by you in respect of your trip. Curtailment          listed in the Policy. For example, if a person insured under this policy
                     provides cover for travel cost necessarily incurred to    becomes ill or is injured or dies.
                     return you to your home before the booked return
                     date and a pro-rata amount representing the total         ‘Important Declaration of Pre-existing Medical Conditions’
                     pre-paid or contracted costs of accommodation, care
                     hire and excursions attributable to each complete         Exclusions Applying to Section A, B and C - ‘What is not covered’
                     day which is not spent overseas. This pro-rata
                     refund excludes all costs attributable to the outward     Section B – Medical, Treatment & Repatriation Expenses - ‘What is not
                     and return travel tickets, whether used or unused.        covered ’




                                                                              12
EMERGENCY        Provides cover for costs arising in the event of      To be able to claim, the medical treatment must be required in an
MEDICAL AND      illness, injury or death during the trip and where    emergency and be unable to wait until you have returned to your country of
OTHER EXPENSES   necessary the provision of emergency medical          residence. Medical cover does not apply to treatment received in the
                 assistance.                                           country in which you reside.

                                                                       ‘Important Declaration of Pre-existing Medical Conditions’
                                                                       Exclusions Applying to Section A, B and C - ‘What is not covered’
                                                                       Section B – Medical, Treatment & Repatriation Expenses - ‘What is not
                                                                       covered ’
PERSONAL         Provides cover for your own money, documents,         To be able to claim, a written report is required to support the loss / theft/
POSSESSIONS      personal luggage and valuables if they are lost,      damage. For example, from the local police or from the transport carrier.
                 stolen or damaged during your trip. You will be       The amount payable will include an allowance for wear and tear and loss of
MONEY            expected to provide evidence of ownership and         value.
                 value (such as receipts) in the event of a claim.     The policy has an inner limit for each single item (this includes a pair or set)
PASSPORT,                                                              and has a limit for valuables as defined overall. Money cover includes a
TICKETS &                                                              cash limit as shown in the schedule.
DOCUMENTS                                                              Valuables and Money are not covered if they are left in an unattended
                                                                       vehicle or are outside your control in transit at any time. All property insured
                                                                       must not be left unattended unless in securely locked holiday
                                                                       accommodation. A written police report must be obtained within 24 hours to
                                                                       support the loss/theft. Claims for loss in transit must be supported by
                                                                       written report from the carrier (e.g. airline or coach company).




                                                                      13

								
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