Yacht Insurance PolIcY _travel_

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					05.11




        Yacht Insurance
        Sailing Yachts | Motor Yachts | Superyachts




                                                                   Why be different




        Yacht Insurance
        PolIcY (travel)

        Y Yacht Insurance is the trading name of Y@ Limited which is
        authorised and regulated by the Financial Services Authority.


        www.yyachtinsurance.com
        3 Belmont Villas, Plymouth, PL3 4DP England
        Tel: +44 (0)780 606557 Email: y@why.uk.com
        Y Yacht Insurance Policy (Travel) is underwritten by
        Ageas Insurance Limited.
                                                   MARINER’S TRAVEL
                                                   POLICY SUMMARY
                                       Should you have any queries about this cover please
                                       contact your broker who will be pleased to help you




Some important facts about your Travel insurance are summarised below. This policy summary does not
contain the full terms and conditions of the contract. Please read the full policy document to make sure you
understand the cover it provides.


Insurer
The insurance for this policy is provided by Ageas Insurance Ltd and administered by UK Underwriting Ltd and
Towergate Underwriting Travel (a trading name of Towergate Underwriting Group Ltd) on their behalf.

Type of insurance
The insurance policy provides cover for certain risks that could be encountered by mariners whilst travelling on
holiday.

Duration
The insurance policy will either remain in force for the duration of a specific trip or remain in force for a period of 12
months from inception date, as detailed in the policy schedule.

Cancellation rights
We hope that you are happy with the cover this policy provides. However, you have the right to cancel it within 14
days of inception or receipt of policy documentation, whichever is the later, without giving any reasons. If that
happens, your premium will be refunded to you, after deduction of a charge for the cover provided from the beginning
of the contract to the date of cancellation, and in the event that a claim has not been made that would be considered
as having completed the contract.

Making a claim
If you need to make a claim, you should notify Direct Group Travel Services, quoting reference 04124.

Direct Group Travel Services                                              Or telephone the Claims Hotline on
Claims Department                                                         0844 412 4296
PO Box 800
Halifax HX1 9ET

How to make a complaint
We hope that you will be pleased with the service provided. However, if you need to make a complaint about our
service or about a claim, please contact us at Complaints Manager, Towergate Underwriting Travel, The Octagon,
Middleborough, Colchester CO1 1TG, quoting your policy number.

In the event that you remain dissatisfied and wish to make a complaint you can do so to Customer Relations Manager,
UK Underwriting Limited, Cast House, Old Mill Business Park, Gibraltar Island Road, Leeds, LS10 1RJ.

If you are still unhappy with the response you have received, you have right to ask the Financial Ombudsman Service
to review your case.

Compensation scheme
Ageas Insurance Limited is covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to
compensation from the scheme, if they cannot meet their obligations. This depends on the type of business and the
circumstances of the claim. Most insurance contracts are covered for 90% of the claim. You can get more information
about compensation scheme arrangements from the FSCS or visit www.fscs.org.uk.




                 Towergate Underwriting and Towergate Underwriting Let Property are trading names of Towergate Underwriting Group Limited
           Registered in England No. 4043759 Registered Address: Towergate House, Eclipse Park, Sittingbourne Road, Maidstone, Kent, ME14 3EN
         Authorised and regulated by the Financial Services Authority; this can be checked on the Financial Services Authority website at www.fsa.gov.uk
  TPSF109(02)NOV10                                                                                                                                    Page 1 of 14
            Significant features and benefits                                              Significant or unusual exclusions or limitations

        Section             AMT               AMT                 Single Trip        Significant or unusual exclusions or limitations
                            Standard          Economy
                            (excess in        (excess in         (excess in
                            brackets)         brackets)          brackets)
A1 Cancellation &           £5000 (nil)       £3000 (nil)        £3000 (nil)         - any excluded or undeclared medical condition
   Curtailment                                                                       - our prior approval is required for curtailment claims
A2 Add. Travel &    £5000 (nil)               £1000 (nil)        £1000 (nil)         - air travel costs in excess of a return economy class ticket
   Accommodation                                                                     - accommodation costs other than the cost of the room
B1 Medical Expenses £5,000,000                £5,000,000          £5,000,000         - any excluded or undeclared medical condition
                    (£35)                     (£50)               (£50)              - medical expenses claims without our prior approval
                                                                                     - treatment expenses within the UK
B2 Add. Travel &            £5000 (nil)       £1000 (nil)        £1000 (nil)         - air travel costs in excess of a return economy class ticket
   Accommodation                                                                     - accommodation costs other than the cost of the room
                                                                                     - air travel costs in excess of a return economy class ticket for
                                                                                     each child to be repatriated
B3 Rejoining the            £3000 (nil)       n/a                 n/a                - claims without our prior approval
   Boat                     £1500 (nil)       n/a                 n/a                - air travel costs in excess of a return economy class ticket
   Crew                                                                              - accommodation costs other than the cost of the room
   Replacement                                                                       - any excluded or undeclared medical condition
C Hospital Benefit          £1500 (nil)       £1500 (nil)        £1500 (nil)         - cover for in-patient stays is for accidental injury or for
   (£25 per 24 hrs)                                                                  illnesses covered under Section B
D1 Travel Delay             £100 (nil)        £100 (nil)         £100 (nil)          - cover is for international outward and return scheduled air,
   (£20 for the first                                                                rail or sea trips
   12 hrs & £10
   each subsequent
   12 hr period)
D2 Holiday                  £5000 (nil)       £3000 (nil)        £3000 (nil)         - you must check in according to the itinerary supplied to you
   Abandonment
D3 Missed Departure         £500 (nil)        £500 (nil)         £500 (nil)          - claims relating to internal flights
                                                                                     - claims for vehicle failure must be substantiated by a written
                                                                                     report from a rescue service or garage
E   Personal Accident       £30,000 (nil) £20,000 (nil)           £20,000 (nil)      - participation of a hazardous sport or leisure activity unless
    Death &                 £30,000 (nil) £20,000 (nil)           £20,000 (nil)      cover is confirmed on your insurance schedule
    Disablement                                                                      - if your death, injury or loss occurs after 180 days of the
    Loss of Limbs           £30,000 (nil) £20,000 (nil)           £20,000 (nil)      accident
    Loss of Sight           £30,000 (nil) £20,000 (nil)           £20,000 (nil)      - claims for permanent total disablement if you are over the
    Permanent &             £30,000 (nil) £20,000 (nil)           £20,000 (nil)      statutory age of retirement and not in full time paid
    Total                                                                            employment
    Disablement                                                                      - contracting any disease or illness
    PA Claims for           £2500 (nil)       £2500 (nil)         £2500 (nil)        - injecting or ingesting any substance
    Insured persons                                                                  - events which exacerbate a previously existing bodily injury
    under 16
F   Personal Liability      £2,000,000        £2,000,000          £2,000,000         - the first £200 of all claims for loss or damage to temporary
                            (nil, or £200     (nil, or £200       (nil, or £200      holiday accommodation
                            for Holiday       for Holiday         for Holiday        - in respect of any person engaged in your service, or any
                            Accommoda-        Accommoda-          Accommoda-         family member or anyone you are travelling with
                            tion)             tion)               tion)              - in respect of any profession, occupation or business
                                                                                     - in respect of watercraft (other than manually propelled ones)
                                                                                     or any other vehicle or attached trailer/caravan
                                                                                     - incidents in the UK
G   Legal Expenses          £25,000 (nil) £25,000 (nil)          £25,000 (nil)       - our prior approval is required for legal expenses claims

H   Personal Effects, £3000 (£35) £1500 (£50)                     £1500 (£50)        - within 24 hours of discovery of theft or loss you must obtain
    Baggage &                                                                        a written police report and crime reference number, or a
    Business                                                                         written report from the carrier or handling agent if loss or theft
    Documents                                                                        occurs whilst in the custody of an airline or other carrier
    Single Item Limit £500 (£35) £500 (£50)                       £500 (£50)         - without the original receipt, proof of purchase or an
                                                                                     insurance valuation obtained prior to loss, cover is limited to
                                                                                     £50 per single item up to a max. of £150 for any one claim
                                                                                     - wear, tear or depreciation
                                                                                     - damage to goods whilst they are in use
I   Personal Money          £750 (£35)        £750 (£50)          £750 (£50)         - within 24 hours of discovery of theft you must obtain a
                                                                                     written police report and crime reference number, or a written
                                                                                     report from the carrier or handling agent if theft occurs whilst
                                                                                     in the custody of an airline or other carrier
                                                                                     - currency changes
                                                                                     - money not on your person or in a safe or similar locked fixed
                                                                                     container in your trip accommodation
J   Hijack (£50 per         £1000 (nil)       £1000 (nil)        £1000 (nil)         - you must supply evidence to support any claim
    day)


                   Towergate Underwriting and Towergate Underwriting Let Property are trading names of Towergate Underwriting Group Limited
             Registered in England No. 4043759 Registered Address: Towergate House, Eclipse Park, Sittingbourne Road, Maidstone, Kent, ME14 3EN
           Authorised and regulated by the Financial Services Authority; this can be checked on the Financial Services Authority website at www.fsa.gov.uk
    TPSF109(02)NOV10                                                                                                                                    Page 2 of 14
            Significant features and benefits                                              Significant or unusual exclusions or limitations

         Section   AMT                       AMT          Single Trip   Significant or unusual exclusions or limitations
                   Standard                  Economy      (excess in
                   (excess in                (excess in   brackets)
                   brackets)                 brackets)
  Wintersports (included with               AMT cover. Available on Single Trip cover upon payment of an additional premium)
K Ski Equipment    £500 (£35)                £500 (£50)   £500 (£50)    - an amount is deducted for equipment depending on its age
                                                                        - there is no cover for equipment you own aged over 5 years
                                                                        - within 24 hours of discovery of theft or loss you must obtain
                                                                        a written police report and crime reference number, or a
                                                                        written report from the carrier or handling agent if loss or theft
                                                                        occurs whilst in the custody of an airline or other carrier
                                                                        - if you cannot provide the original receipt, proof of purchase
                                                                        or an insurance valuation obtained prior to the loss, cover is
                                                                        limited to £200 per single item up to a maximum of £500 for
                                                                        any one claim
                                                                        - items must not be left unattended in a vehicle or public place
L   Ski Hire (£25 per        £300 (£35)      £300 (£50)   £300 (£50)    - within 24 hours of discovery of theft or loss you must obtain
    day)                                                                a written police report and crime reference number, or a
                                                                        written report from the carrier or handling agent if loss or theft
                                                                        occurs whilst in the custody of an airline or other carrier
M Ski Pack (£50 per £300 (£35)               £300 (£50)   £300 (£50)    - within 24 hours of discovery of theft or loss you must obtain
  day)                                                                  a written police report and crime reference number, or a
                                                                        written report from the carrier or handling agent if loss or theft
                                                                        occurs whilst in the custody of an airline or other carrier
N Piste Closure (£20 £200 (£35)              £200 (£50)   £200 (£50)    - you must be skiing in a pre-booked wintersports resort
  per day)                                                              1000m or more above sea level
                                                                        - there is no cover if a reasonable alternative is available
O Delay Due to               £250 (£35)      £250 (£50)   £250 (£50)    - you must provide a written report from the resort
  Avalanche                                                             management


Pre-existing medical conditions
A pre-existing medical condition is any medical condition which has been suffered, or for which medical advice,
treatment or medication has been received prior to the date of issue of the policy. The details must be declared when
taking out this policy, and any disclosure will pertain only to this policy: any subsequent policies will require a new
disclosure to be made, even the renewal of an existing policy for which a disclosure may previously have been given.
If there is a significant change in your medical condition or if you develop a new condition (after you have taken out
this insurance, but before you travel) you must declare this. Please contact your broker for details.




                   Towergate Underwriting and Towergate Underwriting Let Property are trading names of Towergate Underwriting Group Limited
             Registered in England No. 4043759 Registered Address: Towergate House, Eclipse Park, Sittingbourne Road, Maidstone, Kent, ME14 3EN
           Authorised and regulated by the Financial Services Authority; this can be checked on the Financial Services Authority website at www.fsa.gov.uk
    TPSF109(02)NOV10                                                                                                                                    Page 3 of 14
                          MARINER’S TRAVEL INSURANCE CERTIFICATE
                      YOUR SCHEDULE OF BENEFITS DETAILS THE SECTIONS OF THIS DOCUMENT UNDER WHICH YOU ARE COVERED

   THIS IS TO CERTIFY that in accordance with the authorisation granted to the undersigned by UK Underwriting Ltd, on behalf of Ageas Insurance
   Ltd (hereinafter referred to as “the Insurer”) in consideration of the appropriate premium, the said Insurer is hereby bound to insure in accordance
                                            with the terms and conditions contained herein or endorsed hereon.
    The document only constitutes a valid insurance Policy when it is issued in conjunction with a valid Insurance Certificate or schedule
                                                             between 01/11/2010 and 31/10/2011
                                                        All policies must expire prior to 30/04/2013.
    This travel insurance is arranged by Towergate Underwriting Group Ltd, trading as Towergate Underwriting Travel, with UK Underwriting Ltd on
                                                                behalf of Ageas Insurance Ltd.
       Registered Offices: Towergate Underwriting Group Ltd, Towergate House, Eclipse Park, Sittingbourne Road, Maidstone, Kent ME14 3EN
                                                              Registered in England No. 4043759
                                      Ageas Insurance Ltd, Ageas House, Tollgate, Eastleigh, Hampshire SO53 3YA
                                                              Registered in England No. 354568
                   UK Underwriting Ltd, Cast House, Old Mill Business Park, Gibraltar Island Road, Leeds, West Yorkshire LS10 1RJ
                                                              Registered in England No. 4506493
                                     These companies are authorised and regulated by the Financial Services Authority
     This can be checked on the FSA's register by visiting the FSA’s website at www.fsa.gov.uk/register or by contacting them on 0845 606 1234

                                                              SCHEDULE OF BENEFITS
  Item      Description                                                               Benefit (excess in brackets)
                                                          Standard Annual Multi Trip Economy Annual Multi Trip     Single Trip
  A1      Cancellation and Curtailment                    £5,000 (£0)                £3,000 (£0)                   £3,000 (£0)
  A2      Additional Travel and Accommodation             £5,000 (£0)                £1,000) (£0)                  £1,000) (£0)
          Expenses
  B1      Medical Expenses                                £5,000,000 (£35)              £5,000,000 (£50)           £5,000,000 (£50)
  B2      Additional Travel and Accommodation             £5,000 (£0)                   £1,000 (£0)                £1,000 (£0)
          Expenses
  B3      Rejoining the Boat                              £3,000 (£0)                   N/A                        N/A
          Crew Replacement                                £1,500 (£0)                   N/A                        N/A
  C       Hospital Benefit (£25 for each 24 hours)        £1,500 (£0)                   £1,500 (£0)                £1,500 (£0)
  D1      Travel Delay (£20 for the first 12 period       £100 (£0)                     £100 (£0)                  £100 (£0)
          and £10 each subsequent 12 hour period)
  D2      Holiday Abandonment                             £5,000 (£0)                   £3,000 (£0)                £3,000 (£0)
  D3      Missed Departure                                £500 (£0)                     £500 (£0)                  £500 (£0)
  E       Personal Accident                               £50,000 (£0)                  £20,000 (£0)               £20,000 (£0)
          Death and Disablement                           £50,000 (£0)                  £20,000 (£0)               £20,000 (£0)
          Loss of Limbs                                   £50,000 (£0)                  £20,000 (£0)               £20,000 (£0)
          Loss of Sight                                   £50,000 (£0)                  £20,000 (£0)               £20,000 (£0)
          Permanent and Total Disablement                 £50,000 (£0)                  £20,000 (£0)               £20,000 (£0)
          PA Claims for Insured’s under 16                £2,500 (£0)                   £2,500 (£0)                £2,500 (£0)
  F       Personal Liability                              £2,000,000 (£0)*              £2,000,000 (£0)*           £2,000,000 (£0)*
  G       Legal Expenses                                  £25,000 (£0)                  £25,000 (£0)               £25,000 (£0)
  H       Personal Effects, Baggage & Business            £3,000 (£35)                  £1,500 (£50)               £1,500 (£50)
          Documents
          Single Item Limit                               £500                          £500                       £500
  I       Personal Money                                  £750 (£35)                    £750 (£50)                 £750 (£50)
  J       Hi-Jack (£50.00 per day)                        £1,000 (£0)                   £1,000 (£0)                £1,000 (£0)
                             WINTERSPORTS (Included with Standard Annual Multi Trip and Economy Annual Multi Trip
                                            Available on Single Trip upon payment of an additional premium)
  K       Ski Equipment                                   £500 (£35)                    £500 (£50)                 £500 (£50)
  L       Ski Hire (£25.00 per day)                       £300 (£35)                    £300 (£50)                 £300 (£50)
  M       Ski Pack (£50.00 per day)                       £300 (£35)                    £300 (£50)                 £300 (£50)
  N       Piste Closure (£20.00 per day)                  £200 (£35)                    £200 (£50)                 £200 (£50)
  O       Delay Due to Avalanche                          £250 (£35)                    £250 (£50)                 £250 (£50)
                                    The Maximum amount we will pay under all benefits of this Policy is £5,000,000
  *£200 in respect of Holiday Accommodation

                                                                   READ ME FIRST
In accordance with the Association of British Insurers' General Business   HEALTH CONDITIONS
Code of Practice the Insurer hereby draws Your attention to some           Your Policy excludes certain pre-existing medical conditions known to
important features of Your travel insurance Policy. If You would like      You concerning the health of You, Your Relatives, Your travelling
more information, please contact Your issuing broker or agent,             companions, or anyone whose ill health would force You to cancel or cut
particularly if You feel the insurance may not meet Your needs.            short Your Trip (unless declared to and agreed to by Our medical referral
                                                                           providers via the broker with whom You placed Your Policy). Please
GEOGRAPHICAL LIMITS                                                        read the definition of a pre-existing medical condition overleaf.
UK: England, Scotland, Wales, Channel Islands, Isle of Man and Northern
Ireland                                                                    RECIPROCAL HEALTH AGREEMENT
Europe: The continent of Europe west of the Ural Mountains, any country    Travellers to European Union countries should obtain a European Health
with a Mediterranean coastline (excluding Algeria, Israel, Libya and       Insurance Card (EHIC) from their local Post Office. This will entitle them
Lebanon), Atlantic Island Group of Madeira, Canaries, and Azores           to benefit from the reciprocal health agreements, which exist between
Worldwide: Other countries not defined herein as within the UK or Europe   certain European countries. In the event of a claim being accepted for
                                                                           medical expenses which has been reduced by the use of an EHIC, or
                                                                           Private Health Insurance, the deduction of Excess under Section B will

       Page 4 of 14                                                                                                               TPSF/108(01)NOV10
not apply. Travellers to Australia must enrol with Medicare on arrival           DATA PROTECTION
(information details at www.hic.gov.au).                                         Please note that any information provided to Us will be processed by Us
                                                                                 and Our agents in compliance with the Data Protection Act 1998, for the
FAMILY POLICY COVER                                                              purpose of providing insurance and handling claims, if any, which may
Cover for families shall apply where the appropriate premium has been            necessitate providing such information to third parties. We may also send
paid and where the Family members travel together. Adults insured on an          the information, in confidence, for process to other companies acting on
annual multi-trip policy are entitled to travel independently of each other.     their instructions including those located outside the European Economic
Cover for Children will only be provided if travelling with an insured adult,    Area.
unless the appropriate additional premium has been paid, and all
travellers are named on the Policy schedule.                                     YOUR RIGHT TO CANCEL
                                                                                 We hope You are happy with the cover this Policy provides. However, if
AGE ELIGIBILITY                                                                  after reading this Certificate, this insurance does not meet with Your
The maximum age for all policies and all regions is 75 years at the time         requirements, please return it to the agent who effected this insurance
You purchase this Policy.                                                        within 14 days of issue and We will refund Your premium, providing You
                                                                                 have not travelled, made a claim or have a claim pending. The Insurer
PROPERTY CLAIMS                                                                  shall not be bound to accept renewal of any Insurance and may at any
These claims are paid based on the value of goods at the time You lose           time cancel any insurance document by sending 14 days’ notice to the
them and not on a ‘new for old’ or replacement cost basis. An amount for         Insured at their last known address.
wear, tear and depreciation will be deducted. Certain items of personal          Provided the premium has been paid in full the Insured shall be entitled
property are not covered. Police reports are required for all losses             to a proportionate rebate of premium in respect of the unexpired period
involving theft and other losses require alternative appropriate reports,        showing on their insurance.
such as an airline property irregularity report, a hotel managers report etc.
Please refer to Section H for property that is not covered.                      COMPLAINTS PROCEDURE
                                                                                 If You have any cause for complaint regarding this insurance, please
POLICY DOCUMENT                                                                  refer to the Complaints Procedure on pages 10 and 11.
You should read this document carefully. It gives You full details of what
is and is not covered and the conditions of the cover.                           PRE-EXISTING MEDICAL CONDITIONS
                                                                                 If You or any of Your travelling companions have a medical condition
CONDITIONS, EXCLUSIONS & WARRANTIES                                              which has been suffered, or for which medical advice, treatment or
Conditions and exclusions will apply to individual sections of Your Policy,      medication has been received prior to the date of issue of this Policy You
while general exclusions and conditions will apply to the whole of Your          must declare this when taking out Your Policy. Please contact Your
Policy. It is a condition of this Policy that all Material Facts must be         broker for details. You may be required to pay an additional
disclosed to the Insurer at the time of taking out this insurance. Failure to    premium to cover a medical condition. You will not be covered under
do so may result in the Insurer's non-liability for claims.                      Section A, B and C of this Policy if You fail to contact Us.

HAZARDOUS SPORTS & LEISURE ACTIVITIES                                            Please note that there is no cover if, at the time of booking Your Trip or
You are covered whilst You are participating in any of the Acceptable            effecting Your insurance, and in the case of Annual Multi-trip at the time
Sports & Leisure Activities listed on page 3 of this Policy, or if You           of booking each Trip, You, Your travelling companions, Your Relatives
have paid the additional premium to include Wintersports cover (other            or anyone else upon whom Your travel plans depend
than on an annual multi-trip Policy). You are not covered whilst                  (i) is receiving, or is on a waiting list for In-patient hospital or clinic
participating in any sport or leisure activity not listed. If You have any              treatment
doubts please contact Your broker for advice.                                     (ii) is travelling against the advice of a Medical Practitioner or for the
                                                                                        purpose of obtaining medical treatment abroad
PERSONAL LIABILITY                                                                (iii) have received a terminal prognosis
There is no cover for Personal Liability claims arising directly or indirectly
from, happening through or in consequence of:                                    On-Going Health Warranty
(a) Any liability, injury, loss or damage arising directly or indirectly from    If there is a significant change in Your medical condition or if You
ownership, possession or use of any motorised or mechanical vehicles             develop a new condition (after You have taken out this insurance, but
including any attached trailers or caravans, any aircraft (whatsoever), any      before You travel) You must contact the broker from whom You bought
watercraft or Vessel (other than manually propelled watercraft or Vessel)        this Policy. They will tell You if cover can continue. If We cannot continue
or any other form of motorised leisure equipment; or                             cover You may be able to claim for the cost of cancelling Your travel
(b) Participation in any hazardous sport or leisure activity not listed under    arrangements. We reserve the right to amend the terms of, or cancel
Acceptable Sports & Leisure Activities on page 3.                                Your Policy, providing You with a pro-rata refund of premium.

POLICY EXCESS                                                                    Policy Queries
Under most sections of the Policy, claims will be subject to an Excess.          If You have a query regarding this Policy please call Your issuing agent
The Excess will be applied per person, per section and per incident              or broker.
under which a claim is made. This means that You will be responsible for
the first part of the claim. The amount You have to pay is the Excess.

POLICY LIMITS
All sections of Your Policy have acceptable limits on the amount the
Insurer will pay under that section. There are also specific limits under
the Personal Effects and Baggage section for; Single Items;
Valuables; items for which an original receipt, proof of purchase or an
insurance valuation (obtained prior to loss) is not supplied.

REASONABLE CARE / UNATTENDED PROPERTY
You must exercise reasonable care to prevent illness, injury or loss or
damage to Your property, as if uninsured. There is no cover for property
left unattended in a place to which the general public has access. There
is no cover for loss of Money, which was not carried on Your person
unless placed in a safety box, or similar locked, fixed receptacle.

GOVERNING LAW
This Certificate shall be governed by and construed in accordance with
the Law of England and Wales unless the Certificate holder’s habitual
residence (in the case of an individual) or central administration and/or
place of establishment is located in Scotland in which case the law of
Scotland shall apply.



       Page 5 of 14                                                                                                                  TPSF/108(01)NOV10
       WHAT TO DO IN THE CASE OF MEDICAL EMERGENCY                           DEFINITIONS
The emergency assistance service provided for You by this Insurance          The following words shall have the same meaning wherever they appear
is operated by Global Response and Healthwatch S.A. In the event of          in the Policy document.
any illness, injury, accident which requires:
                                                                             Acceptable Sports & Leisure Activities
     Inpatient treatment anywhere in the world You must contact:             Abseiling*, Archery*, Athletics track events, inc long distance running,
                          Global Response:                                   Badminton, Baseball, Basketball, Beach Games, Canoeing to WW Cat 3*,
                      Tel: +44 (0) 113 3180 146                              Clay Pigeon Shooting, Cricket, Cycling (excluding BMX and Mountain
                      Fax:+44 (0) 113 3180 147                               Biking), Deep Sea Fishing, Dinghy sailing, Fell walking or fell running,
             Email: assistance@global-response.co.uk                         Fishing, Football (excluding American football), Go-karting, Golf, Hiking
                                                                             (under 2000 metres altitude), Hockey, Horse-riding (excluding hunting
 Outpatient treatment anywhere in the world, excluding North America         and eventing), Hot air ballooning (organised in the UK before departure),
              and the United Kingdom, You must contact:                      Ice skating, Jet boating, Jet ski-ing, Jogging, Lacrosse, Motorcycling
                          Healthwatch S.A.:                                  and/or Quadbiking up to 125cc, Netball, Orienteering, Parascending over
                      Tel: +44 (0) 113 3180 124                              water*, Pony trekking, Racquetball, Rambling, Roller skating/blading,
                       Fax:+44 (0)113 3180 125                               Rounders, Rowing, Safari (organised by Tour operator or in the UK
                  Email: newcase@healthwatch.gr                              before departure), Sail boarding, Sailing within territorial limits, Scuba
                                                                             diving to 30 metres*, Skate boarding, Snorkelling, Squash, Surfing (under
  Outpatient treatment in North America and the United Kingdom You           14 days), Tennis, Trekking (under 2000 metres altitude), Triathlon*,
                             must contact:                                   Volleyball, Water polo, Water ski-ing, White water rafting to WW Cat 3*,
                          Global Response:                                   Windsurfing. Working/crewing abroad on a vessel, Yachting (crewing)
                      Tel: +44 (0) 113 3180 146                              inside or outside territorial waters.
                      Fax:+44 (0) 113 3180 147                               If Your activity does not appear on the list of Acceptable Sports &
             Email: assistance@global-response.co.uk                         Leisure Activities, it is not covered.
                                                                             However, we may be able to cover Your activity upon payment of an
 Global Response or Healthwatch S.A. may be able to guarantee costs          additional premium. Please contact the broker with whom You placed
on Your behalf. When contacting Global Response or Healthwatch S.A.          Your Policy to discuss Your requirements.
  please state that Your insurance is provided by UK Underwriting Ltd        * if adequately supervised
             and quoting the appropriate reference number:
                                                                             Accident, Accidental
                     Scheme name: Mariner’s Travel                           A sudden, unexpected, unusual, specific, violent, external event which
                       Reference number: 04124                               occurs at a single identifiable time and place and independently of all
                                                                             other causes, resulting directly, immediately and solely in physical bodily
    Note: You must retain all receipts for medical & additional costs        injury which results in a loss.
   incurred and You are responsible for any Policy Excess and this           The following are not included in the definition:
            should be paid by You at the time of treatment.                  a) the contracting of any disease, illness and/or medical condition,
                                                                             b) the injection or ingestion of any substance,
                  HOSPITAL TREATMENT ABROAD                                  c) any event which directly or indirectly exacerbates a previously
   If You are admitted to hospital You must contact Global Response               existing physical bodily injury.
                              immediately.
If You do not, this could mean that We will not provide cover or We will     Act of Terrorism
           reduce the amount We pay for medical expenses.                    An act, including but not limited to the use of force or violence and/or the
                                                                             threat thereof, of any person or group(s) of persons, whether acting
                     OUTPATIENT TREATMENT                                    alone, or on behalf of, or in connection with any organisation(s) or
 If You require outpatient treatment outside North American and the          government(s), committed for political, religious, ideological or similar
United Kingdom, please contact the appropriate Assistance Service as         purposes including the intention to influence any government and/or to
 detailed above. If the Assistance Service is Healthwatch SA please          put the public, or any section of the public, in fear.
     ensure the treating Doctor or Clinic is aware of the following
                              instructions:                                  Adverse Weather
                                                                             Weather of such severity that the police (or appropriate authority) warn by
       OUTPATIENT INSTRUCTIONS TO DOCTORS/CLINICS:                           means of public communications networks (including but not limited to
 In order to have Your invoices paid quickly, please send Your invoice       television or radio) that it is unsafe for individuals to attempt to travel via
together with a copy of the Policy schedule (clearly showing the Policy      the route originally envisaged by You.
 number and names) and any supporting documentation related to the
    outpatient treatment (Medical report, cost breakdown) by email to        Cancellation Costs
                       newcase@healthwatch.gr                                Travel and accommodation expenses paid or contracted to be paid by
                                                                             You in respect of Your Trip.
You must include Your bank account details, IBAN no’s and / or Swift
           code for payment to be processed electronically.                  Cash
           Out Patient Department Tel: 00 30 2310 256454                     Bank notes, currency notes and coins.
Out Patient Department Fax: 00 30 2310 256455 or 0030 2310 254160
                  E-mail: newcase@healthwatch.gr                             Certificate
                                                                             An insurance validation Certificate issued by the issuing broker or agent
WHEN YOU RETURN HOME - Making a Claim                                        which describes You and the Insured person(s) who are covered under
For all Sections                                                             this Policy.
If You need to make a claim, please obtain a claim form no later than 31
days after the event by:                                                     Children/Grandchildren
• Telephoning Direct Group Travel Services on 0844 412 4296 quoting          Persons aged up to and including 19 years of age.
reference: 04124.
• Writing to Direct Group Travel Services, Claims Department, PO Box         Close Business Associate
800, Halifax HX1 9ET quoting reference: 04124.                               A person in the same employment as You, whose absence from work or
• Faxing Direct Group Travel Services on 0844 4124138.                       place of employment for one or more complete days at the same time as
When returning the claim form, please include all relevant documentation.    You, prevents the effective continuation of that business and necessitates
Please send originals – not photocopies (keep copies for Your records).      the cancellation or curtailment of the Trip as certified by a senior director
For all claims You will need to send Your original insurance Certificate     of such company.
and Your original holiday booking invoice.
UK Underwriting Ltd are Insurer’s agents and in the matters of a claim act   Common-law Partner(s)
on behalf of the Insurer.                                                    Any couple (including same sex) in a common law relationship or who
                                                                             have co-habitated for at least 6 months at the date of purchase of this
                                                                             policy.


      Page 6 of 14                                                                                                                 TPSF/108(01)NOV10
Consequential Loss                                                             Antiques, any property held or used for any business purposes, bicycles,
Any other loss, damage or additional expenses following on from the            contact or corneal lenses, diving equipment, satellite navigation devices
event for which You are claiming is not covered under this insurance.          of any kind, spectacles, sunglasses and mobile phones.
Examples of such loss, damage or additional expense would be the cost
of replacing locks after losing keys, costs incurred in preparing a claim or   Policy
loss of earnings following bodily injury or illness.                           Your Certificate, this Policy and endorsements.
                                                                               Public Transport
Curtailment Costs                                                              A train, bus, coach, ferry service or scheduled airline flight operating to a
Travel costs necessarily incurred to return You Home before the booked         published timetable to join the booked travel itinerary.
return date and a pro-rata amount representing the total pre-paid or
contracted costs of accommodation, car hire and excursions attributable        Redundancy, Redundant
to each complete day which is not spent overseas.                              You becoming unemployed under the Employment Protection Act. You
The following are not included in the definition:                              must have been given a Notice of Redundancy and be receiving
• all costs attributable to the outward and return travel tickets, whether     payment under the current Redundancy payments legislation.
used or unused.                                                                The following are not included in the definition:
                                                                               • any employment which has not been continuous and with the same
Excess                                                                         employer;
The first amount You, and each person named on the insurance                   • any employment which is not on a permanent basis;
Certificate, have agreed to pay towards a claim under each section of          • any employment which is on a short term fixed contract;
this Policy.                                                                   • any instance where You had reason to believe that You would be made
                                                                               Redundant at the time of booking Your Trip.
Family
Parents or grandparents or legal guardians (up to a maximum of two             Relative(s)
adults) and their Children or Grandchildren. Cover for families shall apply    Brother, brother-in-law, common law partner, daughter, daughter-in-law,
where the appropriate premium has been paid and where the Family               fiancé(e), grandchild, legal guardian, parent, parent-in-law, grandparent,
members travel together. Adults insured on an annual multi-trip policy are     sister, sister-in-law, son, son-in-law, step-parent, stepchild, step-brother,
entitled to travel independently of each other. Cover for Children will only   step-sister or spouse.
be provided if travelling with Insured adult and all travellers are named on
Your Certificate.                                                              Serious Illness or Serious Injury
                                                                               Any illness or injury which:
Material Fact                                                                  • renders You totally incapacitated; or
Any fact which is known to You, which is likely to influence the Insurer in    • results in You being a patient in hospital for more than 48 hours.
the acceptance or assessment of this insurance.
                                                                               Single Item, Pair or Set
Medical Practitioner                                                           Any one article, pair, set or collection.
A registered practicing member of the medical profession who is not
related to You or any person with whom You are travelling.                     Ski Equipment
                                                                               Skis, ski bindings, ski boots, ski sticks, snow board, snow board bindings
Money                                                                          and snowboard boots.
Bank notes, currency notes and coins and cheques.
                                                                               Sports Equipment
Pair or Set                                                                    Those items which are usually worn, carried, used or held during the
Two or more items of Personal Effects which are complementary or               participation in a sporting activity.
used or worn together.                                                         The following are not included in the definition:
                                                                               • Ski Equipment.
Period of Insurance for a Single Trip
The Trip Duration, as shown in Your Certificate. Cover under the               Permanent Total Disablement
cancellation section of Your Policy, starts from the date the Certificate is   Means You are prevented from engaging in paid employment or paid
issued and ends at the start of Your Trip. The cover under all other           occupation of any and every kind whatsoever, but for children any
sections of Your Policy, starts at Your Trip departure and ends on Your        occupation not normally reserved for the handicapped.
Return Home or expiry of the Policy, whichever is first.
                                                                               Trip, Trip Duration
Period of Insurance for an Annual Multi-trip                                   A journey which begins when You leave Your Home and ends on Your
The period starting and ending on those dates shown on Your                    return, during the Period of Insurance, to either
Certificate. Cover under the cancellation section of Your Policy, starts        a. Your Home, or
from the later of either:                                                       b. a hospital or nursing home in the United Kingdom, Channel
• the start date of Your Policy; or                                                 Islands or Isle of Man, following Your repatriation.
• the time at which the Trip is booked; and ends at which ever happens
first:                                                                         United Kingdom, UK
• the start of Your Trip; or                                                   Means England, Scotland, Wales and Northern Ireland.
• the expiry of the Policy.
The cover under all other sections of Your Policy, starts at Your Trip         Us/We/Our
departure and ends on either                                                   UK Underwriting Ltd on behalf of Ageas Insurance Ltd.
• Your return Home, or
• the expiry of this Policy, or                                                Valuables
• Your Trip exceeding the maximum Trip length;                                 Shall include, but not be limited to, cameras, televisions, photographic
whichever is first.                                                            equipment, video equipment, audio equipment, laptop and hand held
There is cover for Travel within your Home country only for Trips over 50      computer equipment, electronic equipment (excluding mobile phones),
miles from Home when accommodation has been pre-booked for at least            jewellery, watches, furs, cassettes or compact discs, telescopes,
two nights.                                                                    binoculars, antiques, precious stones or articles made of or containing
Wintersports cover is limited to 21 days per Policy per year for Annual        gold, silver or other precious metals.
Multi-trip Cover. Wintersports Cover is only included under Single Trip
Cover when You have paid the appropriate additional premium.                   Vessel
                                                                               Any waterbourne craft that You are travelling on.
Permanent Total Disablement                                                    Wintersports
Means You are prevented from engaging in paid employment or paid               The following are included by payment of additional premium:
occupation of any and every kind whatsoever, but for children any              Guided cross country skiing, mono skiing, off-piste skiing or
occupation not normally reserved for the handicapped.                          snowboarding, recreational racing, skiing, snow boarding, snow sledging,
                                                                               tobogganing (not bobsleighing or using any professional course),
Personal Effects and Baggage                                                   snowmobiling (excluding any claims for personal accident Section E or
Luggage, clothing, Valuables and personal items which are owned by             personal liability Section F), professionally supervised heli-skiing and ice
You and have been either taken or purchased on the Trip.                       skating.
The following are not included in the definition:                              The following are not included in the definition:
       Page 7 of 14                                                                                                                  TPSF/108(01)NOV10
Freestyle skiing, luging, off-piste skiing or snowboarding in areas                 (iii) You have failed to have any recommended vaccines,
designated as unsafe by resort management, off-piste skiing or snow                       inoculations or medications prior to Your Trip
boarding where there is an avalanche warning in place, parapenting, ski             (iv) You have failed to get the relevant passport or visa
acrobatics and stunting, ski bob racing, ski flying, ski jumping, ski racing        (v) unlawful or criminal proceedings against You or a person You
or training, the use of skeletons or bobsleighs.                                          are travelling with
You, Your, Insured                                                                  (vi) redundancy, which is not notified during the period of insurance
All person(s) within the age limit and named on the Policy schedule. All            (vii) Your disinclination to travel, phobias, anxiety or stress
persons must be permanently resident in the UK, Channel Islands or Isle             (viii) Your personal financial circumstances, other than You being
of Man and registered with a Medical Practitioner in one of these areas,                  made redundant after the purchase date of the Policy
being the one in which You permanently reside. Each person is                       (ix) Your late arrival at the airport or port after check in or booking in
separately insured, with the exception of Children/Grandchildren unless                   time
travelling with an Insured adult.                                              d) any costs in respect of the following:
                                                                                  (i) any claims arising directly or indirectly from the cancellation or
SECTION A1 — CANCELLATION AND CURTAILMENT                                                curtailment of travel arrangements in any way caused or
▼What You are Covered For:                                                               contributed to by or on the order of any government, public or
We will pay, up to the amount shown in the Schedule of Benefits on page                  local authority including but not limited to any civil or federal
1, for Your proportion of the costs which You have paid or agreed to pay                 aviation authority.
and which You cannot recover from any source which includes yacht                 (ii) loss of air passenger duty
charter, race, rally or event booking fees, if it is necessary and                (iii) unused timeshare property, air miles or other promotions of this
unavoidable to cancel or cut short Your Trip as a result of:                             nature
 a) death, Serious Injury or Illness, during the Period of Insurance of:          (iv) Your loss of enjoyment of the trip, however caused
You; or                                                                           (v) Your failure to advise Us of any Material Fact prior to the issue
      i)     a person You are travelling with; or                                        of the Policy or prior to Your departure on Your Trip
      ii) a Relative; or                                                          (vi) unused portions of Your original ticket, where repatriation has
      iii) a Close Business Associate who lives in the UK, Channel                       been made
             Islands or Isle of Man; or                                           (vii) Your travel expenses for You to return to the UK, Channel
      iv) a friend or Relative who lives abroad with whom You were                       Islands or Isle of Man, if You do not already possess prepaid
      staying.                                                                           return travel tickets
 b) You or the person You are travelling with:                                    (viii) any cancellation or Curtailment Costs which the We would not
      i) being required in the UK, Channel Islands or Isle of Man, for jury              have had to pay, had You notified the travel agent, tour operator
           service, as a witness in a Court of Law; or                                   or provider of transport or accommodation immediately after You
      ii) being under compulsory quarantine; or                                          knew You would be cancelling or curtailing Your Trip
      iii) being required to be present by the police, as a result of Your        (ix) any claim resulting from You or a person You are travelling with
           Home or Your travelling companion's Home or usual place of                    being posted overseas or receiving an emergency requirement of
           business in the UK, Channel Islands or Isle of Man suffering a                duty, following an Act of Terrorism, war or invasion.
           burglary within seven days
      iv) before the start of Your Trip; or                                    SECTION A2 — ADDITIONAL TRAVEL AND ACCOMMODATION
      v) suffering unforeseen damage to Your Home or to Your                   EXPENSES
           travelling companion's Home within seven days before the start      ▼What You are Covered For:
           of Your Trip where You or Your travelling companion’s               We will pay You up to the amount shown in the Schedule of Benefits on
           presence is required either by the police or the insurers at Your   page 1, in respect of reasonable additional travel and accommodation
           or Your travelling companions Home or                               expenses incurred in fulfilling the prebooked travel and accommodation
      vi) being made Redundant under current Redundancy legislation;           commitments, including the use of equivalent local accommodation if
           or                                                                  rendered necessary, essential subsistence purchases where such items
      vii) being posted overseas or receiving emergency requirements of        have been lost or damaged beyond use, due to the following specific
           duty in the Armed Forces, Police, Fire, Nursing or Ambulance        occurrences
           Services.                                                           Specific occurrences
                                                                               a) Major damage and the resultant repairs rendering uninhabitable or
In addition, if You have booked a self drive holiday and it is necessary to        unusable the accommodation in which You had previously booked to
cancel Your Trip as a result of Your vehicle being involved in an accident         reside during the Trip
within seven days of Your intended trip duration, we will pay for Your         b) In the event of theft or total loss or compulsory quarantine of the
proportion of the costs which You have paid or agreed to pay and which             owned Vessel or Vessel in which You are sailing where total loss is
You cannot recover from any source.                                                the actual or constructive total loss of the Vessel or
NOTE: If You have European Motor Breakdown Insurance for this Trip,            c) where the repair is likely to exceed six weeks.
Your Policy may cover You to hire a car for Your Trip in these
circumstances.                                                                 ▼What You Are Not Covered For:
                                                                               We will not pay for the following in addition to the general exclusions on
▼What You Are Not Covered For:                                                 pages 9 and 10:
We will not pay for the following in addition to the General Exclusions on     a) Any air travel costs in excess of a return economy/tourist class ticket.
pages 9 and 10 in connection with claims made under Section A1:                b) Accommodation costs other than the cost of the room
a) any claim for curtailment which has not been approved by the
   Assistance Services prior to Your return to the United Kingdom,             SECTION B1 – MEDICAL AND TREATMENT EXPENSES
   Channel Islands or Isle of Man.                                             ▼What You are Covered For:
b) any claim which is not supported by written medical confirmation and        If You become ill or are injured during the Trip, We will pay up to the
   clinical reports from medical service providers as well as other proof      amount shown in the Schedule of Benefits on page 1, for up to 12 months
   of the happening of an event causing You to cancel or cut short Your        after the start date of the treatment for:
   Trip;                                                                       a) Medical and treatment expenses
c) any costs which You have agreed to pay, if Your Trip is cancelled or        b) reasonable and customary medical, surgical and hospital expenses
   curtailed for the following reasons:                                            incurred outside the UK, Channel Islands or Isle of Man, whichever is
    (i) Claims arising directly or indirectly as a result of a of Medical          Your area of residence
         Condition (see definition “Pre-existing Medical Conditions” on        c) emergency dental treatment for the relief of pain up to £200.
         page 3) relating to You or anyone travelling with You, unless         d) Funeral and Repatriation expenses If You die during the trip We will
         declared to the broker issuing this policy and agreed by Us.              pay for the following:
    (ii) The person whose medical condition giving rise to the claim:              (i) the funeral expenses in the country outside of the UK, Channel
         1. is travelling against the medical advice of a Medical                       Islands or Isle of Man (whichever is your area of residence)
              Practitioner; or                                                          where Your death occurs up to £3,000 or
         2. is travelling for the purpose of obtaining medical treatment;          (ii) the cost of returning Your body or ashes home
              or                                                               e) Travel and accommodation expenses
         3. is on a hospital waiting list, or awaiting the results of              (i) reasonable additional travel and room only accommodation
              medical tests or investigations; or                                       expenses incurred by You and one person travelling with You, as
         4. is suffering from anxiety, stress or depression; or                         a result of You receiving medical advice from a registered doctor
         5. has received a terminal prognosis by a registered doctor                    in attendance and Our medical advisors, that Your originally
              prior to You taking out this Policy; or
       Page 8 of 14                                                                                                                    TPSF/108(01)NOV10
      planned return journey Home, is impossible due to medical                   u) services and supplies to the extent that they are not usual,
      reasons.                                                                       customary and reasonable or not prescribed by a legally qualified
The most We will pay for accommodation costs is £1,000 per person.                   Medical Practitioner in accordance with similar accepted
                                                                                     provisional medical standards
IMPORTANT CONDITIONS
a) In the event of any illness, injury, accident or hospitalisation involving    SECTION B2 – ADDITIONAL ACCOMMODATION AND TRAVELLING
anyone insured under this Policy, You must notify the Assistance                 COSTS
Service. They will direct You to an appropriate medical facility and may         ▼What You are Covered For:
be able to guarantee costs on Your behalf. If it is not possible to notify       We will pay You, up to the amount shown in the Schedule of Benefits on
them in advance because the condition requires immediate treatment to            page 1 for:
save life or limb, the Assistance Service must be contacted as soon as           a) Additional travelling and accommodation costs arranged by Us for
possible. Failure to do so will affect the assessment of Your claim.                one person required, on medical advice, to stay with You or fly to
b) Wherever possible You must use medical facilities that entitle You to            You in Your location outside the UK Channel Islands or Isle of Man,
the benefits of any reciprocal health agreements, such as the EHIC in               (whichever is Your area of residence),, as a result that Your original
Europe and Medicare in Australia.                                                   planned journey Home is impossible due to medical reasons.
c) We reserve the right to repatriate You when, in the opinion of the            b) A return journey air ticket plus reasonable accommodation costs to
doctor in attendance and our medical advisors, You are fit to travel. If            enable a business colleague where necessary, to replace You in
You refuse to be repatriated all cover under the policy will cease.                 Your location outside the UK, Channel Islands or Isle of Man,
                                                                                    following Your medical repatriation or death during a Trip.
▼What You Are Not Covered For:
We will not pay for the following in addition to the General Exclusions on       ▼What You Are Not Covered For:
pages 9 and 10 in connection with claims made under Section B1:                  We will not pay for the following in addition to the General Exclusions on
a) the Excess as shown in the Schedule of Benefits on page 1                     pages 9 and 10 in connection with claims made under section B2:
b) any costs or expenses, if You have not advised the Assistance                 a) Any air travel costs in excess of a return economy/tourist class ticket.
     Service and received their agreement to these costs, in the event of        b) Accommodation costs other than the cost of the room
     You:                                                                        c) Any air travel costs in excess of a one-way economy/tourist class
      (i) dying, or                                                                 ticket for each child to be repatriated.
      (ii) incurring medical or treatment expenses or
      (iii) being involved in an accident, or                                    SECTION B3 – RE-JOINING THE BOAT
      (iv) being admitted to hospital, or                                        If You have paid the Standard Annual Multi Trip premium and the cover is
      (v) curtailing Your Trip due to medical reasons; or                        shown on Your Policy schedule
      (vi) missing Your flight due to medical reasons
c) any medical costs or expenses, if You are in Australia and You have           ▼What You are Covered For:
     not enrolled with Medicare                                                  We will pay You up to the amount shown in the Schedule of Benefits on
d) claims arising directly or indirectly as a result of Your pre-existing        page 1, for the following, should repatriation in accordance with the cover
     medical condition (see definition of “Pre-existing Medical Conditions”      under Section B1 Medical and Treatment Expenses occur;
     on page 3) unless declared to the broker issuing this policy and            a) Additional travelling and accommodation costs arranged by Us, for
     agreed by Us                                                                   You to rejoin Your Vessel or the Vessel in which You were
e) any medical, hospital or treatment expenses in the UK, Channel                   travelling, at a suitable point as agreed by Us, provided a claim under
     Islands or Isle of Man if You live there                                       this sub-section occurs during the period of insurance or;
f) any medical, hospital, treatment, funeral or repatriation expenses if         b) Crew Replacement
     You:                                                                        We will pay You up to the amount shown in the Schedule of Benefits on
      (i) are travelling against the medical advice of a Medical                 page 1 for the following, should repatriation in accordance with the cover
            Practitioner; or                                                     under Section B1 Medical and Treatment Expenses occur;
      (ii) are travelling for the purpose of obtaining medical treatment; or     c) In the event You cannot travel and Your Vessel or the Vessel in
      (iii) are on a hospital waiting list, or awaiting the results of medical      which You were travelling requires emergency attention, we will pay
            tests or investigations; or                                             additional travelling and accommodation costs arranged by Us, for a
      (iv) are suffering from anxiety, stress or depression; or                     representative elected by You and agreed by Us, to return to the
      (v) have received a terminal prognosis by a registered doctor prior           Vessel, provided a claim under this sub-section is made within 12
            to taking out this Policy.                                              months of the initial claim to repatriate You Home
  g) any medical, hospital, treatment expenses, which in the opinion of
      Our medical advisors, are not essential or can be reasonably               ▼What You Are Not Covered For:
      delayed until Your return Home                                             We will not pay for the following in addition to the General Exclusions on
  h) any costs arising from You arranging a single or private                    pages 9 and 10 in connection with claims made under Section B3:
      accommodation room in a hospital, clinic or nursing home                   a) Any costs or expenses if You have not advised the Assistance
  i) dental treatment which is not for the purpose of relieving immediate           Service and received their agreement to Your repatriation Home
      pain or suffering                                                          b) Any costs or expenses if You have not advised the Assistance
  j) any medical, hospital or treatment expenses, which have not been               Service and received their agreement to You rejoining Your Vessel
      authorised at the time by a recognised registered medical                  c) Claims arising directly or indirectly as a result of a Pre-existing
      practitioner                                                                  Medical Condition (see definition of “Pre-existing Medical Conditions”
  k) any medical, hospital or treatment expenses, which You have                    on page 3), unless declared to the broker issuing this policy and
      incurred after You have refused the offer of repatriation when, in the        agreed by Us
      opinion of Our medical advisors, You are fit to travel                     d) Any air travel costs in excess of a single economy/tourist class ticket
  l) any physiotherapy or associated treatment costs, if they are not part       e) Accommodation costs, other than the cost of the room
      of an on-going treatment programme for a Serious Injury, which in
      the opinion of Our medical advisors, cannot be reasonably delayed          SECTION C – HOSPITAL BENEFIT
      until Your return Home                                                     ▼What You are Covered For:
  m) non continuous treatment                                                    We will pay You the amount shown in the Schedule of Benefits for each
  n) any up-grades from economy class travel, unless Our medical                 and every completed period of 24 hours for which You are an in-patient in
      advisors specify this necessary on medical grounds                         a hospital, as a direct result of an Accidental injury or illness which is
  o) any costs or expenses if You do not have a pre-paid return ticket to        covered under Section B.
      the UK, Channel Islands or Isle of Man, at the start of Your Trip
  p) any medication or drugs which You know You will need at the start           SECTION D1 & D2 – TRAVEL DELAY AND HOLIDAY
      of the Trip                                                                ABANDONMENT
  q) the cost of any treatment or surgery, including exploratory tests,          ▼What You are Covered For:
      which are not directly related to the illness or injury, for which You     D1 Travel Delay
      went into hospital or clinic abroad                                        We will pay You the amount shown in the Schedule of Benefits on page
  r) loss or damage to dentures, artificial limbs, hearing aids, contact or      1, if Your planned:
      corneal lenses or prescription spectacles                                  a) International outward flight or rail on Your scheduled departure, or
  s) losses arising within 25 miles of Your Home                                 b) International inbound flight or rail Trip on Your scheduled return is
  t) cosmetic surgery and all expenses incurred in connection with                     delayed for 12 hours or more as a result of:
      cosmetic surgery                                                           a) strike or industrial action
                                                                                 b) Adverse Weather
       Page 9 of 14                                                                                                                 TPSF/108(01)NOV10
c) mechanical breakdown or derangement of such aircraft or train.            d) more than one lump sum under this section.
                                                                             e) any claim for Permanent Total Disablement if at the date of the
D2 Holiday abandonment                                                          accident You are over the statutory age of retirement and not in full
We will pay, up to the amount shown in the Schedule of Benefits on page         time paid employment.
1, for travel and accommodation expenses which You have paid or have         f) any claim arising directly or indirectly from the contracting of any
contracted to pay, which You cannot recover from any source, if You             disease or illness.
elect to cancel Your Trip following a delay of 24 hours or more from the     g) any claim arising directly or indirectly from the injection or ingestion of
scheduled departure time.                                                       any substance.
                                                                             h) any claim arising from any event, which exacerbates a previously
▼What You Are Not Covered For:                                                  existing bodily injury.
We will not pay the following in addition to the General Exclusions on
pages 9 and 10 in connection with claims made under Section D1 & D2:         SECTION F – PERSONAL LIABILITY
a) any compensation if You have not got written confirmation from the        ▼What You are Covered For:
   airline or railway company or their handling agents, which shows the      We will pay for Your legal liability inclusive of all associated legal fees
   reason for the delay or cancellation of Your holiday, the scheduled       and costs, in total up to the amount shown in the Schedule of Benefits on
   departure time and the actual departure time of Your flight or rail       page 1, for any event which relates to an incident caused by You during
   journey, if applicable.                                                   the Trip which results in:
b) any delay which is due to strike or industrial action which had started   a) injury, illness or disease to another person
   or was announced before You took out this Policy.                         b) loss or damage to property which does not belong to You or any
c) compensation under both the ‘travel delay’ and ‘holiday                       member of Your family and is not in Your or a member of Your
   abandonment’ sections of this Policy.                                         family’s custody or control.
d) any claims arising directly or indirectly from the delay of travel
   arrangements in any way caused or contributed to by or on the order       ▼What You Are Not Covered For:
   of any government, public or local authority including but not limited    We will not pay for the following in addition to the General Exclusions on
   to any civil or federal aviation authority.                               pages 9 and 10 in connection with claims made under Section F:
e) Your failure to check-in according to the itinerary supplied to You.      a) the first £200 of each and every claim in respect of loss or damage to
                                                                                temporary holiday accommodation
SECTION D3 - MISSED DEPARTURE                                                b) bodily injury or disease to any person who, at the time of sustaining
▼What You are Covered For:                                                      such injury or disease, is engaged in Your service or to any member
We will pay You, up to the amount shown in the Schedule of Benefits on          of Your family or anyone You are travelling with
page 1, for reasonable additional accommodation and travel expenses, if      c) damage to property belonging to, or in the care, custody or control of
You arrive at Your last departure point from the UK, Channel Islands or         You or a member of Your family or a person in Your service
Isle of Man, (whichever is Your area of residence), or the last departure    d) any liability arising out of or incidental to any profession, occupation
point for Your return trip to the UK, Channel Islands or Isle of Man,           or business
(whichever is Your area of residence) too late to board Your booked          e) any liability which has been assumed under contract and would not
flight or train, as a result of the following:                                  otherwise have attached
a) scheduled Public Transport services failing to get You to Your            f) any liability, injury, loss or damage arising directly or indirectly from or
     destination in time due to strike, industrial action, Adverse Weather      due to ownership, possession or use of any motorised or mechanical
     conditions or mechanical breakdown, or                                     vehicles including any attached trailers or caravans, any aircraft
b) the private motor vehicle in which You were travelling suffering from a      (whatsoever), any watercraft or Vessel (other than manually
     mechanical breakdown or failure, or                                        propelled watercraft or Vessel) or any other form or motorised leisure
c) the private motor vehicle in which You were travelling being directly        equipment
     involved in a road traffic accident, which resulted in mechanical       g) any liability arising out of ownership, occupation, possession, or use
     breakdown or failure.                                                      of any land or building (other than occupation only of any temporary
                                                                                residence)
▼What You Are Not Covered For:                                               h) any liability, injury, loss or damage arising directly or indirectly from or
We will not pay for the following in addition to the General Exclusions on      due to ownership, possession or use of any firearms or weapons of
pages 9 and 10 in connection with claims made under Section D3:                 any kind
a) the Excess as shown in the Schedule of Benefits on page 1                 i) any liability arising in respect of any wilful or criminal act or assault
b) any upgrade in accommodation                                              j) any liability arising out of ownership, occupation, possession, or use
c) any claim arising as a result of You not having taken reasonable             of any land or building (other than occupation only of any temporary
   steps to complete the journey to the departure point on time                 residence)
d) any claim relating to internal flights                                    k) any liability, injury, loss or damage arising directly or indirectly from or
e) any claim, if the Adverse Weather, strike or industrial action was in        due to any animals belonging to You or in Your care, custody or
   existence or publicly declared before You started Your journey to the        control
   departure point                                                           l) any liability, injury, loss or damage arising directly or indirectly from
f) any claim in respect of mechanical breakdown or failure, if Your             participant to participant liability
   private motor vehicle, has not been properly serviced and maintained
g) any repair costs to Your private motor vehicle                            SECTION G – LEGAL EXPENSES
h) any claims for vehicle breakdown or failure, which are not                ▼What You are Covered For:
   substantiated by a written report from a rescue service or garage         We will pay, up to the amount shown in the Schedule of Benefits on page
                                                                             1, for legal costs and expenses incurred in pursuing legal proceedings
SECTION E – PERSONAL ACCIDENT                                                against third parties for compensation and damages arising from or out of
▼What You are Covered For:                                                   Your death, Serious Illness or Personal Accident during Your Trip.
We will pay You or Your estate a lump sum, as shown in the Schedule of
Benefits on page 1, if You suffer bodily injury as a result of an Accident   ▼What You Are Not Covered For:
during Your Trip which causes:                                               We will not pay for the following in addition to the General Exclusions on
a) Your death, or                                                            pages 9 and 10 in connection with claims made under section G:
b) permanent loss of one or more limbs by physical separation at or          a) any costs or expenses which have been incurred without Our prior
    above the wrist or ankle, or                                                approval
c) permanent loss of all sight in one or both eyes, or                       b) any claim where We consider Your prospect of success in achieving
d) permanent total disablement.                                                 a reasonable benefit to be insufficient
                                                                             c) any claim emerging from the pursuance to a contingent fee
▼What You Are Not Covered For:                                                  agreement between You and Your counsel
We will not pay for the following in addition to the General Exclusions on   d) any claim for travel and accommodation expenses which You have
pages 9 and 10 in connection with claims made under Section E:                  incurred whilst pursuing legal action
a) any benefit as a result of participating in a Hazardous Sport &           e) any claim arising from You pursuing legal proceedings as part of and
   Leisure Activity                                                             (or) on behalf of a group or organisation
b) any benefit where Your death, injury or loss does not occur within        f) any claim for legal costs where You are pursuing a legal action
   180 days of the accident                                                     against a travel agent, tour operator, a carrier, the Insurer, Towergate
c) any benefit if You cannot prove to the Us that the Permanent Total           Underwriting Travel, Direct Group, the Assistance Service or any of
   Disablement has continued for 12 months from the date of the injury          our agents
   and in all probability will continue for the remainder of Your life
      Page 10 of 14                                                                                                                   TPSF/108(01)NOV10
g) any claim against any member of Your family or travelling                       (i) mechanical or electrical breakdown
   companion.                                                                      (ii) moth or vermin
h) any claim for legal costs where You are pursuing legal action relating          (iii) processes or cleaning, restoring or repairing
   directly or indirectly to medical negligence or alleged medical
   negligence.                                                                 SECTION I – PERSONAL MONEY
                                                                               ▼What You are Covered For:
SECTION H1, H2, H3 & H4 – PERSONAL EFFECTS AND BAGGAGE,                        We will pay for the loss or theft of Your cash and travellers cheques
TRAVEL DOCUMENTS, BUSINESS DOCUMENTS AND DELAYED                               during Your trip, up to the amount shown in the Schedule of Benefits on
BAGGAGE                                                                        page 1.
▼What You are Covered For:
a) Personal effects and baggage -                                              ▼What You Are Not Covered For:
    We will pay for accidental loss, theft of or damage to Your personal       We will not pay for the following in addition to the General Exclusions on
    effects, up to the amount shown in the Schedule of Benefits on page        pages 9 and 10 in connection with claims made under Section I:
    1.                                                                         a) the Excess as shown in the Schedule of Benefits on page 1
b) Travel Documents –                                                          b) any loss or theft of money if You have not notified the police within 24
    We will pay for any reasonable expenses You incur,                             hours of its discovery by You and obtained a written report, which
    whilst obtaining replacement passports, green cards, visas and                 includes the crime reference number
    accommodation vouchers or travel tickets which have been lost or           c) any claim, if the loss or theft occurs during a journey or whilst in the
    stolen during the trip, up to the amount shown in the Schedule of              custody of an airline or other carrier, and You have not notified the
    Benefits on page 1.                                                            carrier or their handling agent of the incident and obtained an official
c) Business Documents –                                                            report or a Property Irregularity Report (PIR)
   We will pay up to the amount shown in the Schedule of Benefits on           d) any loss, if You have not taken reasonable steps to prevent a loss
   page 1 for the costs of replacing or restoring business documents               happening
   and/or records.                                                             e) loss or theft of money that is:
d) Baggage delay –                                                                 i) not on Your person; or
   We will pay for the purchase of essential items, up to the amount               ii) not deposited in a safe, safety deposit box or similar locked fixed
   shown in the Schedule of Benefits on page 1, if Your Personal                        container in Your Trip accommodation
   Effects are delayed or lost in transit on Your outward journey for           f) loss or theft of travellers cheques, if the issuer provides a
   more than 12 hours.                                                               replacement service
                                                                                g) depreciation in value, currency changes, shortage caused by any
▼What You Are Not Covered For:                                                       error or omission, loss or damage arising from delay, seizure,
We will not pay for the following in addition to the General Exclusions on           confiscation or detention by Customs or other officials.
pages 9 and 10 in connection with claims made under Section H1, H2, H3
and H4:                                                                        SECTION J - HIJACK
a) the Excess as shown in the Schedule of Benefits on page 1                   ▼What You are Covered For:
b) claims for theft of Your Personal Effects and baggage if You have           We will pay up to the amount shown in the Schedule of Benefits on page
   not notified the police within 24 hours of its discovery and obtained a     1 in respect to either of the following;
   written report, which includes the crime reference number                   a) every 24-hour period You are prevented from reaching Your
c) more than £50 per Single Item, up to a maximum of £150 in total for              scheduled destination as a result of Hijack of the aircraft or Vessel in
   any one claim, if You are unable to provide the original receipt, proof          which You are travelling. Or:
   of purchase or an insurance valuation which was obtained prior to the       b) Your Kidnapping
   loss
d) any claim if the loss, damage or theft occurs during a journey or whilst    ▼What You Are Not Covered For:
   in the custody of an airline or other carrier, and You have not notified    We will not pay for the following in addition to the General Exclusions on
   the carrier or their handling agent of the incident and obtained an         pages 9 and 10 in connection with claims under Section D3:
   official report or a Property Irregularity Report (PIR)                     a) any claim for hijack or kidnapping and You do not obtain evidence to
e) wear, tear, or depreciation                                                    support Your claim.
f) loss, theft or damage arising from the delay, detention, seizure or
   confiscation by Customs or other officials                                  WINTERSPORTS
g) damage caused by the leakage of powder or liquid carried within             If You have the Standard or Economy Annual Multi Trip cover or have
   Your Personal Effects or baggage                                            paid the additional premium to include Wintersports cover on Single Trip
h) any breakage of fragile articles, unless the breakage is caused by fire     cover and the cover is shown on Your Policy schedule, cover Sections
   or an incident involving the vehicle in which You are being carried         K-O inclusive apply:
i) claims arising for loss, theft or damage to:
    (i) wheelchairs, or                                                        SECTION K - SKI EQUIPMENT
    (ii) motor vehicles, or                                                    ▼ What You Are Covered For:
    (iii) diving equipment, or                                                 We will pay, up to the amount shown in the Schedule of Benefits on page
j) damage to, or loss or theft of Your Personal Effects or baggage, if         1, for accidental loss, theft of or damage to Ski Equipment, which is
   they have been left:                                                        owned or hired by You. If You own the Ski Equipment, We will take off
    (i) unattended in a place to which the general public has access           the following amounts for wear and tear:
    (ii) in the custody of a person who does not have an official                Age of Ski        Deduction         Age of Ski       Deduction
          responsibility for the safekeeping of the property                     Equipment                           Equipment
    (iii) in an unattended motor vehicle between the hours of 9am and            Up to 1 year      10% of            1 to 2 years old 30% of
          8pm local time, unless the articles are contained in a locked boot     old               purchase price                     purchase price
          or covered luggage compartment and there is evidence of forced         2 to 3 years      50% of            3 to 4 years old 70% of
          entry which is confirmed by a police report.                           old               purchase price                     purchase price
k) more than £100 for damage to or loss or theft of Your Personal                4 to 5 years      80% of            Over 5 years     No cover
   Effects or baggage if they have been left in an unattended motor              old               purchase price    old
   vehicle between the hours of 8 pm and 9 am local time, and the
   articles are contained in a locked boot or covered luggage                  ▼ What You Are Not Covered For:
   compartment and there is evidence of forced entry which is confirmed        We will not pay for the following in addition to the General Exclusions on
   by a police report.                                                         pages 9 and 10 in connection with claims made under Section K:
l) loss or damage to Sports Equipment, whilst in use                           a) the Excess as shown in the Schedule of Benefits on page 1
m) loss, theft or damage to anything being shipped as freight under a Bill     b) claims for Ski Equipment which is owned by You, if it is over five
   of Lading, dentures, bridgework, artificial limbs, hearing aids of any         years old
   kind, or items being carried on a vehicle roof rack                         c) more than Your liability for the loss or damage to any hired Ski
n) loss, theft or damage to Valuables, which at the time of such loss,            Equipment
   theft or damage were located in checked-in luggage or an unattended         d) any claim for loss or theft of Ski Equipment, if You have not notified
   motor vehicle                                                                  the police within 24 hours of its discovery and obtained a written
o) any claim for baggage delay if You cannot supply receipts for the              report, which includes the crime reference number
   essential items purchased and written confirmation from the carrier as      e) any claim, if the loss or theft occurs during a journey or whilst in the
   to the length of delay.                                                        custody of an airline or other carrier, and You have not notified the
p) Loss, theft or damage arising from:
       Page 11 of 14                                                                                                                     TPSF/108(01)NOV10
     carrier or their handling agent of the incident and obtained an official   SECTION N – PISTE CLOSURE
     report or a Property Irregularity Report (PIR)                             ▼What You are Covered For:
f)   more than £200 per single item, up to a maximum of £500 in total for       We will pay a benefit, as shown in the Schedule of Benefits on page 1, if
     any one claim, if You are unable to provide the original receipt, proof    You are unable to ski for a continuous period in excess of 24 hours, due
     of purchase or an insurance valuation which was obtained prior to the      to a lack of snowfall during the months of December to March inclusive, at
     loss                                                                       Your prebooked Wintersports resort.
g)   claims arising from delay, detention, seizure or confiscation by
     Customs or other officials                                                 ▼What You are Not Covered For:
h)   claims for loss, theft or damage to anything being shipped as freight      We will not pay for the following in addition to the General Exclusions on
     or under a Bill of Lading                                                  pages 9 and 10 in connection with claims made under Section N:
i)   damage to, or loss or theft of Ski Equipment, if it has been left:          a) any benefit, if You are not skiing in a pre-booked Wintersports
f)   unattended in a place to which the public have access; or                      resort which is more than 1,000m above sea level
g)   left in an unattended motor vehicle; or                                     b) any benefit, if You are unable to provide a report from either the
h)   in the custody of a person who does not have an official responsibility        resort management or Your tour operator substantiating Your claim
     for the safekeeping of the property.                                        c) any benefit, if an alternative resort is available
                                                                                 d) any benefit, where You have been offered a reasonable alternative
SECTION L – SKI HIRE                                                                destination due to piste closure in Your pre-booked Wintersports
▼What You are Covered For:                                                          resort
If Your own Ski Equipment is:                                                    e) claims for loss of enjoyment, however caused.
a) lost, stolen or damaged; or
b) misdirected or delayed in transit by more than 12 hours                      SECTION O – DELAY DUE TO AVALANCHE
We will pay for the cost of hiring You the necessary Ski Equipment for          ▼What You are Covered For:
each 24 hour period You are without Your own Ski Equipment, up to the           If Your outward or return journey is delayed by at least 12 hours beyond
amount shown in the Schedule of Benefits on page 1.                             the scheduled departure time as a direct result of an avalanche in Your
                                                                                pre-booked Wintersports resort, We will pay You an amount, as shown
▼What You are Not Covered For:                                                  in the Schedule of Benefits on page 1, for additional travel and
We will not pay for the following in addition to the General Exclusions on      accommodation expenses.
pages 9 and 10 in connection with claims made under Section L:
a) any claim for loss or theft of Your own Ski Equipment if You have            ▼What You are Not Covered For:
   not notified the police within 24 hours of its discovery and obtained a      We will not pay for the following in addition to the General Exclusions on
   written report, which includes the crime reference number                    pages 9 and 10 in connection with claims made under Section O:
b) any claim, if the loss or theft of Your own Ski Equipment occurs             a) the Excess as shown in the Schedule of Benefits on page 1
   during a journey or whilst in the custody of an airline or other carrier,    b) any claim, if You are unable to provide a report from the resort
   and You have not notified the carrier or their handling agent of the            management substantiating Your claim
   incident and obtained an official report or a Property Irregularity          c) compensation under Sections D1 and D2.
   Report (PIR)
c) claims arising from Your own Ski Equipment being delayed,                    GENERAL EXCLUSIONS WHICH APPLY TO ALL SECTIONS OF THE
   detained, seized or confiscated by Customs or other officials                INSURANCE
d) claims for loss or theft of, or damage to Your own Ski Equipment,            We are not responsible for any claims arising:
   whilst being shipped as freight or under a Bill of Lading                     a) which are claims in any way caused or contributed to by:
e) damage to, or loss or theft of Your Ski Equipment, if it has been left:          (i) the failure of; or
    (i) unattended in a place to which the public have access; or                   (ii) the fear of the failure of; or
    (ii) in an unattended motor vehicle; or                                         (iii) the inability of any equipment or any computer programme to
    (iii) in the custody of a person who does not have an official                        recognise, interpret correctly or process any date as its true
          responsibility for the safekeeping of the property.                             calendar date or to continue to function correctly beyond that
                                                                                          date (except claims under Sections, B, C and E).
SECTION M – SKI PACK                                                             b) which are directly or indirectly caused by, occasioned by, resulting
▼What You are Covered For:                                                          from or in connection with any of the following regardless of any
If You are unable to use Your ski pass, tuition or ski hire due to:                 other cause or event contributing concurrently or in any other
a) being involved in an Accident; or                                                sequence to the claim:
b) Your sickness when substantiated by a Medical Practitioner; or                   (i) Act of Terrorism; or
c) the loss or theft of Your ski pass We will pay You, up to the amount             (ii) nuclear       detonation,      reaction,     nuclear   radiation  or
    shown in the Schedule of Benefits on page 1, for the proportionate                     contamination, howsoever such nuclear detonation, reaction,
    value of any unused ski pass, ski hire or tuition fee.                                 nuclear radiation or radioactive contamination may have been
                                                                                           caused; or
▼What You are Not Covered For:                                                      (iii) war, invasion or warlike operations (whether war be declared or
We will not pay for the following in addition to the General Exclusions on                 not), hostile acts of sovereign or government entities, civil war,
pages 9 and 10 in connection with claims made under Section M:                             rebellion, revolution, insurrection, civil commotion assuming the
a) any claim, if the loss or theft of Your ski pass is not notified to the                 proportions of or amounting to an uprising, military or usurped
   police within 24 hours of its discovery and You have obtained a                         power or martial law or confiscation by order of any government
   written report, which includes the crime reference number.                              or public authority; or
b) any claim, if the loss or theft occurs during a journey or whilst in the         (iv) seizure or illegal occupation; or
   custody of an airline or other carrier, and You have not notified the            (v) confiscation, requisition, detention, legal or illegal occupation,
   carrier or their handling agent of the incident and obtained an official                embargo, quarantine, or any result of any order of public or
   report or a Property Irregularity Report (PIR)                                          government authority which deprives You of the use or value of
c) loss or theft of Your ski pass, if it was left:                                         Your property, nor for loss or damage arising from acts of
   i) unattended in a place to which the public have access; or                            contraband or illegal transportation or illegal trade; or
   ii) in an unattended motor vehicle; or                                           (vi) discharge of pollutants or contaminants, which pollutants and
   iii) in the custody of a person who does not have an official                           contaminants shall include but not limited to any solid, liquid,
        responsibility for the safekeeping of the property                                 gaseous or thermal irritant, contaminant or toxic or hazardous
d) claims arising directly or indirectly as a result of Your Pre-existing           (vii) substance or any substance the presence, existence or release
   Medical Condition (see definition of “Pre-existing Medical Conditions”                  of which endangers or threatens to endanger the health, safety
   on page 3), if You have not advised Us before the start of Your trip,                   or welfare of persons or the environment; or
   have not agreed the additional terms and paid any additional                     (viii) chemical or biological release or exposure of any kind; or
   premium                                                                          (ix) attacks by electronic means including computer hacking or the
e) claims arising from a medical condition which is not substantiated by                   introduction of any form of computer virus; or
   a report from the treating Medical Practitioner, confirming Your                 (x) threat or hoax, in the absence of physical damage due to an
   inability to ski                                                                        Act of Terrorism; or
f) claims for loss of enjoyment, however caused.                                    (xi) any action taken in controlling, preventing, suppressing or in
                                                                                           any way relating to any Act of Terrorism
                                                                                 c) from You travelling against Foreign Office advice or where it is
                                                                                    deemed unsafe for You to travel

       Page 12 of 14                                                                                                                 TPSF/108(01)NOV10
  d) from loss or destruction of, or damage to any property whatsoever,          b) You must tell Us as soon as possible about any change in risk which
      or any loss or expense whatsoever resulting in or arising there from,         affects Your Policy, - including You, a person You are travelling
      or any Consequential Loss or any legal liability of whatsoever                with, a close business associate or relative receiving confirmation of a
      nature, directly or indirectly caused by or contributed to, or arising        medical condition or currently being under medical investigation, a
      from:                                                                         change in the sporting or leisure activities You intend to participate in
      (i) ionising radiation or contamination by radioactivity from any             during Your trip or any additional person(s) to be insured under the
              nuclear fuel, or from any nuclear waste from burning of nuclear       Policy.
              fuel, or                                                           c) We have the right to reassess Your Policy and premium after You
      (ii) the radioactive, toxic, explosive or other hazardous properties          have advised Us of any relevant information. If You do not advise Us
              of any explosive nuclear assembly or nuclear component                of all the relevant information, we may quote the wrong terms, reject
              thereof                                                               or reduce Your claim, or Your Policy may become invalid.
  e) from You engaging in any illegal or criminal act                            d) You must be resident in the UK, Channel Islands or Isle of Man and
  f) from any Consequential Loss whatsoever (claims shall only be                   registered with a Medical Practitioner in the UK, Channel Islands or
      paid for those losses which are specifically stated under the terms of        Isle of Man, one of these being the area being the one in which You
      this Policy, except as provided in Section H, relating to loss of travel      permanently reside at the time of taking out this policy and intend to
      documents)                                                                    return Home within the Trip Duration
  g) directly or indirectly out of Your financial incapacity                     e) We will not consider any claim where You:
  h) which, but for the existence of this Policy, would be covered under         f) have disclosed a material fact or pre-existing medical condition (see
      any other insurance Policy (policies), including any amounts                  definition of “Pre-existing Medical Conditions” on page 3) to Us and
      recovered by You from private health insurance; or                            have not paid the additional premium that was required by Us before
      (i) EHIC payments; or                                                         Your trip departure date.
      (ii) any reciprocal health agreements; or                                  g) are travelling against medical advice.
      (iii) airlines; or                                                         h) If Your cover does not meet Your requirements, please notify Us
      (iv) hotels; or                                                               within 14 days of receiving Your Policy and return all Your
      (v) home contents insurers; or                                                documents for a refund of Your premium. If during this 14-day period
      (vi) any other recovery by You, which is the basis of a claim                 You have travelled, made a claim or intend to make a claim, we are
  i) from the tour operator, airline or any other company, firm or person           entitled to recover all costs that You have used for those services.
      either becoming insolvent or being unable to or unwilling to fulfil any    i) Whilst participating in any Acceptable sport & leisure activity, You
      part of their obligation                                                      must take reasonable care at all times to ensure Your own safety and
  j) from Your death, injury or illness as a result of participating in:            the safety of those around You. Such reasonable care involves
      (i) a Hazardous Sport & Leisure Activity whilst on Your Trip                  following the directions of any instructor and (or) expedition leader
      (ii) Wintersports, if You have not paid the additional premium                and following the normal and reasonable safety procedures
            before Your trip departure and it is not shown on Your                  suggested or recommended by the recognised controlling body of the
            Certificate                                                             sport or activity concerned, or the safety procedures commonly
      (iii) any of the above, if You are receiving any personal financial           exercised in pursuing the sport or activity in question at all times.
            reward or gain during the period of insurance, unless We have        j) You or Your legal representative’s must provide Us with all policies,
            agreed to this and You have paid the appropriate additional             information and evidence We require and in the format We require.
            premium                                                              k) Medical evidence required in support of a claim should be furnished
k) from:                                                                            at Your expense.
      (i) wilful, self inflicted injury or illness; or                           l) In the event of Your death, We shall be entitled to have a post-
      (ii) committing or attempting to commit suicide; or                           mortem examination at Our own expense.
      (iii) wilful exposure to danger, except in an attempt to save a human      m) Any items which become the subject of a claim for damage, must be
            life; or                                                                retained, until Your claim is settled, for Our inspection and shall be
      (iv) solvent abuse; or                                                        forwarded Us upon request at Your or Your legal personal
      (v) being under the influence of alcohol or drugs, except those               representative’s expense. All such items shall become Our property
            prescribed by a registered Doctor and not those drugs                   following final settlement of the claim.
            prescribed for drug addiction; or                                    n) In the event of any occurrence which may give rise to a claim under
      (vi) a failure to obtain any recommended vaccines, inoculations or            this Policy, You must take all reasonable steps to minimise any loss
            medications prior to Your Trip departure; or                            arising out of such a claim.
      (vii) sexually transmitted diseases; or                                    o) You must notify any claim to Us within 31 days of Your return home.
      (viii) Acquired Immune Deficiency syndrome (AIDS); or                      p) This insurance is non-transferable. No premium will be refunded,
      (ix) HIV or diseases connected to AIDS                                        either in full or on a pro-rata basis, after the expiry of the cooling off
l) from anxiety, stress or depression; except where previously                      period.
     undiagnosed at the time You took out this Policy                            q) This Policy shall be governed by and construed in accordance with
m) from You entering into, exiting from an aircraft or descending from an           the Law of England and Wales unless the policyholder’s habitual
     aircraft; which is not a fully licensed passenger carrying aircraft; in        residence (in the case of an individual) or central administration
     which You are travelling as a passenger or a member of the crew for            and/or place of establishment is located in Scotland in which case the
     the purpose of undertaking any trade or technical operation therein or         Law of Scotland shall apply.
     thereon                                                                     r) We may, at its own expense, take proceedings in Your name to
n) from Your wilful exposure to peril. You must exercise reasonable                 recover compensation or secure an indemnity from any third party in
     care to prevent illness, injury or loss or damage to Your property as if       respect of any loss or damage covered by this insurance and any
     uninsured                                                                      amount so recovered shall belong to Us. Where a full recovery is
o) directly or indirectly from You being engaged in any employment                  made, we agree to return Your Excess.
     except as yacht crew during Your Trip unless agreed by Us and any           s) If any false or fraudulent claim is made or if any false or fraudulent
     additional premium paid                                                        means or devices are used to obtain any benefit under this Policy, all
p) which have not been proven and the amount of the claim                           benefits thereunder and premiums paid shall be forfeited.
     substantiated                                                               t) If at the time of loss, damage or liability covered under this Policy,
q) claims for loss of enjoyment, however caused.                                    You have any other insurance or guarantee which covers the same
r) Any claims arising directly or indirectly from You travelling against            loss, damage or liability, We will only pay a rateable share of the
     any health requirements stipulated by the carrier, their handling              claim (excluding Section E - Personal Accident).
     agents or any other public transport provider
s) Any claim arising from routine treatment or care which could have             COMPLAINTS PROCEDURE
     been reasonably expected to rise during Your Period of Insurance.           It is the intention to give You the best possible service but if You do have
                                                                                 any questions or concerns about this Insurance or the handling of a claim
CONDITIONS WHICH APPLY TO YOUR WHOLE POLICY                                      You should in the first instance contact:
a) It is a condition that all material facts have been disclosed to Us.          Complaints Manager, Towergate Underwriting Travel, The Octagon,
   Failure to do so may affect Your rights under this insurance.                 Middleborough, Colchester, Essex CO1 1TG who will investigate Your
   Following a change in material fact disclosed to Us by You during the         complaint.
   Period of Insurance, We reserve the right to amend or cancel Your             Please ensure You quote reference 04124 in all correspondence.
   insurance, providing You with a pro-rata refund of premium. If You            In the event You remain dissatisfied and wish to make a complaint, You
   are in any doubt as to whether a fact is 'material', then for Your own        can do so by contacting the following:
   protection it should be disclosed to Us.

       Page 13 of 14                                                                                                                  TPSF/108(01)NOV10
The Customer Relations Manager, UK Underwriting Ltd, Cast House, Old
Mill Business Park, Gibraltar Island Road, Leeds LS10 1RJ. Tel: 0845
218 2685. Email: customerrelations@ukgeneral.co.uk
If it is not possible to reach an agreement, You have the right to make an
appeal to the Financial Ombudsman Service.
This also applies if You are insured in a business capacity but have an
annual turnover of less than €2million and fewer than ten staff. You may
contact the Financial Ombudsman Service at:
Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall,
Docklands, London, E14 9SR, telephone 0845 080 1800.
Please note that the Financial Ombudsman Service will not consider
Your complaint until You have first written to the Insurer and have
received their final decision.
The above complaints procedure is in addition to Your statutory rights as
a consumer. For further information about Your statutory rights contact
Your local authority Trading Standards Service or Citizens Advice
Bureau.

COMPENSATION SCHEME
Ageas Insurance Ltd is covered by the Financial Services Compensation
Scheme (FSCS). You may be entitled to compensation from the scheme,
if they cannot meet their obligations. This depends on the type of
business and the circumstances of the claim. Most insurance contracts
are covered for 90% of the claim. You can get more information about
compensation scheme arrangements from the FSCS or visit
www.fscs.org.uk.a written report.




      Page 14 of 14                                                          TPSF/108(01)NOV10

				
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