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1. Special conditions relating to claims 1 If the transport on which You are travelling is Hijacked You must provide a written statement from an appropriate authority to confirm the duration of the Hijacking Section 11 Catastrophes and Natural Disasters This section is applicable to Comprehensive cover only What is not covered 1 The first 100 of each and every claim per incident claimed for under this section by each Insured Person 2 Any expense following Your disinclination to travel or to continue with Your Trip when official directives from the local authorities state that it is safe to do so 3 Any event that was publicised prior to Your departure from the United Kingdom 4 Any costs incurred by You which are recoverable from Your tour operator hotel airline company providing the accommodation or other provider of services for which You receive or are expected to receive compensation or reimbursement 5 Any costs which You would have expected to pay during Your Trip for normal day to day living such as food and drink 6 Anything mentioned in the general exclusions on page 4 What is covered We will pay You up to 500 should You be forced to move from Your pre paid accommodation as a result of fire explosion storm flood earthquake medical epidemic or the local or national government directive for the following a the cost of alternative accommodation of a similar standard to that You have booked if You h
2. Head of Customer Relations AXA Insurance Civic Drive Ipswich IP1 2AN Tel 01473 205926 Fax 01473 205101 Email customercare axa insurance co uk When You make contact please provide the following information Your name address and postcode telephone number and e mail address if You have one Your policy and or claim number and the type of policy You hold The name of Your insurance agent firm if applicable The reason for Your complaint Any written correspondence should be headed COMPLAINT and You may include copies of supporting material Beyond AXA Should You remain dissatisfied following Our final written response You may be eligible to refer Your case to the Financial Ombudsman Service The Financial Ombudsman Service is an independent body that arbitrates on complaints about general insurance products You have six months from the date of Our final response to refer Your complaint to the Financial Ombudsman Service This does not affect Your right to take legal action If We cannot resolve Your complaint You may refer it to the Financial Ombudsman Service at the address given below The Financial Ombudsman Service Exchange Tower Harbour Exchange Square London E14 9SR Telephone 0300 123 9123 or O80 023 4567 Fax 020 7964 1001 Email complaint info financial ombudsman or uk Our promise to you We will Acknowledge all complaints promptly Investigate quickly and thoroughly Keep You informed of pro
3. Ski Pack Section 18 Piste Closure Section 19 Avalanche Cover Section 20 Course Fees Section 21 Specified Items Section 22 Computer Equipment and Computer Accessories Complaints Procedure Data Protection Act Section 6 Personal Money Passport and Documents What is covered 1 We will pay You up to the amounts shown below for the accidental loss of theft of or damage to Personal Money and documents including the unused portion of Your passports visas and driving licence In respect of foreign currency cover is also operative during the 72 hours immediately preceding Your departure on the outward journey The maximum We will pay for the following items is a For bank notes currency notes and coins 200 b Up to the following amount for all other Personal Money and documents including the cost of the emergency replacement or temporary passport or visa Essential 200 Comprehensive 500 2 We will pay You up to the following amount Essential 250 Comprehensive 500 for reasonable additional travel and accommodation expenses incurred necessarily outside Your Home Area to obtain a replacement of Your lost or stolen passport or visa 3 We will pay up to 50 for the cost of replacing keys and locks to an external door at the Risk Address following damage resulting from burglary Special conditions relating to claims What is not covered 1 The first 100 of each and every claim per inciden
4. We will pay You up to the following amount Essential 5 000 Comprehensive 8 000 for for any irrecoverable pre paid College University course fees You have paid or are contracted to pay if a cancellation of the Trip is necessary and unavoidable or b the Trip is Curtailed before completion as a result of the death Bodily Injury or illness of a You b Your Close Relative You should also refer to the Important conditions relating to health on page 3 Special conditions relating to claims 1 You must obtain a medical certificate from a Medical Practitioner and prior approval of the Emergency Assistance Service to confirm the necessity to return Home prior to Curtailment of the Trip due to death Bodily Injury or illness 2 If You fail to notify the travel agent tour operator or provider of transport accommodation immediately it is found necessary to cancel the Trip Our liability shall be restricted to the cancellation charges that would have applied had failure not occurred 3 If You cancel the Trip due to i Stress anxiety depression or any other mental or nervous disorder that You are suffering from You must provide a medical certificate from a consultant specialising in the relevant field ii Any other illness or a Bodily Injury You must provide a medical certificate from a Medical Practitioner stating that this necessarily and reasonably prevented You from travelling 4 You must provide Your invoice and receipts for u
5. deposited in a hotel safe safety deposit box or left in Your locked accommodation 4 Loss or damage due to delay confiscation or detention by customs or other authority 5 Loss theft or damage to unset precious stones hearing aids dental or medical fittings antiques bicycles air or water craft motor vehicles trailers motor assisted pedal cycles and their accessories fitted audio equipment mountaineering equipment Ski Equipment and damage to carrying cases 6 Loss or damage due to cracking scratching breakage of or damage to china glass other than glass in watch faces cameras binoculars or telescopes porcelain or other brittle or fragile articles unless caused by fire theft of or accident to the aircraft sea vessel train or vehicle in which they are being carried 7 Breakage of skins and strings cracking scratching or denting of musical instruments 8 Loss or damage due to breakage of sports equipment or damage to sports clothing whilst in use 9 Loss theft of or damage to business goods samples tools of trade motor accessories and other items used in connection with Your business trade profession or occupation 10 Loss or damage caused by wear and tear depreciation deterioration atmospheric or climatic conditions moth vermin any process of cleaning repairing or restoring mechanical or electrical breakdown 11 Anything mentioned in the general exclusions on page 4 1 You must report to the
6. Cancellation Period We will refund Your premium less a charge for the period You have been insured We will also charge a cancellation fee as shown in Your policy summary In the event You have travelled or a claim or an incident likely to give rise to a claim has occurred during the current Period of Insurance no refund of premium will be given Cancellation Outside the 14 Day Cooling Off Period This policy may be cancelled a by You sending Us notice to the address shown on Your Statement of Insurance We will return a proportionate refund of the premium You have paid in respect of the unexpired term of this policy We will also charge a cancellation fee as shown in Your policy summary In the event You have travelled or a claim or an incident likely to give rise to a claim has occurred during the current Period of Insurance no refund of premium will be given b Us where there is a valid reason for doing so by giving You 21 days notice in writing to Your last known address We will refund any premium which may be due to You in accordance with the terms of this condition Valid reasons for cancellation may include but are not limited to lf You advise Us of a change of risk under Your policy which We are unable to insure Where You fail to respond to requests from Us for further information or documentation Where You have given incorrect information and fail to provide clarification when requested Where You breach any of t
7. Section 19 Avalanche Cover Section 20 Course Fees Section 21 Specified Items Section 22 Computer Equipment and Computer Accessories Complaints Procedure Data Protection Act Section 9 Missed Departure continued What is not covered maintained in accordance with manufacturers instructions d Withdrawal from service temporary or otherwise of an aircraft or sea vessel on the recommendation of the Civil Aviation Authority or a Port Authority or any similar body in any country e Your failure to arrive at the departure point in time to board any connecting Public Transport after Your departure on the initial international outbound and return legs of the Trip 3 Additional expenses where the scheduled Public Transport operator has offered reasonable alternative travel arrangements 4 Anything mentioned in the general exclusions on page 4 What is covered 3 an accident or breakdown occurring ahead of You on a motorway or dual carriage way which causes an unexpected delay to the vehicle in which You are travelling or 4 strike industrial action or adverse weather conditions You may claim only under section 9 Missed departure or section 8 Delayed departure for the same event not both Special conditions relating to claims 1 In the event of a claim arising from any delay occurring on a motorway or dual carriage way You must obtain at Your own expense written confirmation from the Police or emergency brea
8. Service Introduction Definitions General Conditions Claims Conditions Important Conditions Relating to Health General Exclusions Sports and ctivities Covered Emergency and Medical Service Section 1 Cancellation or Curtailment Charges Section 2 Emergency Medical and Other Expenses Section 3 Hospital Benefit Section 4 Personal Accident Section 5 Baggage Section6 Personal Money Passport and Documents Section 7 Personal Liability Section 8 Delayed Departure Section 9 Missed Departure Section 10 Hijack and Hostage Section 11 Catastrophes and Natural Disasters Section 12 Air Rage Section 13 Incarceration Section 14 Overseas Legal Expenses and Assistance Section 15 Ski Equipment Section 16 Hire of Ski Equipment Section 17 Ski Pack Section 18 Piste Closure Section 19 Avalanche Cover Section 20 Course Fees Section 21 Specified Items Section 22 Computer Equipment and Computer Accessories Complaints Procedure Data Protection Act Section 3 Hospital Benefit This section is applicable to Comprehensive cover only What is covered We will pay You 15 for every complete 24 hours You have to stay in hospital as an in patient or are confined to Your accommodation due to Your compulsory quarantine or on the orders of a Medical Practitioner outside Your Home Area up to a maximum of 300 as a result of Bodily Injury illness or disease
9. You sustain We will pay the amount above in addition to any amount payable under section 2 Emergency medical and other expenses We will pay the amount above in addition to any amount payable under section B Emergency Medical and Other Expenses This payment is meant to help You pay for additional expenses such as taxi fares and phone calls incurred by Your visitors during Your stay in hospital Special conditions relating to claims What is not covered 1 Any claims arising directly or indirectly from a Any additional period of hospitalisation relating to treatment or surgery including exploratory tests which are not directly related to the Bodily Injury or illness which necessitated Your admittance into hospital b Hospitalisation relating to any form of treatment or surgery which in the opinion of the Emergency Assistance Service or Us based on the information received from the Medical Practitioner in attendance can be delayed reasonably until Your return to Your Home Area c Any additional period of hospitalisation relating to treatment or services provided by a convalescent or nursing Home or any rehabilitation centre d Hospitalisation as a result of a tropical disease where You have not had the recommended inoculations and or taken the recommended medication e Any additional period of hospitalisation following Your decision not to be repatriated after the date when in the opinion of the Emergency Assistance Serv
10. cancel the policy or refuse to deal with Your claim or reduce the amount of any claim payment 1 Claims You must notify Us preferably by phone at the address given below depending on the type of claim All claims except legal expenses or under section 27 Airline failure Endsleigh Insurance P O Box 432 Cheltenham Spa Gloucestershire GL50 3YD Tel 44 0 800 923 4048 01242866607 Legal expenses only AXA Assistance The Quadrangle 106 118 Station Road Redhill Surrey RH1 1PX Tel 44 0 370 350 5716 The notification must be made within 31 days or as soon as possible thereafter following any Bodily Injury illness disease incident event redundancy or the discovery of any loss theft or damage which may give rise to a claim under this policy You must also informUs if You are aware of any court claim form summons or impending prosecution Every communication relating to aclaim must be sent to Us without delay You or anyone acting on Your behalf must not negotiate admit or repudiate any claim without Our consent You or Your legal representatives must supply at Your own expense all information evidence details of household insurance and medical certificates as required by Us We reserve the right to require You to undergo an independent medical examination at Our expense We may also request and will pay for a postmortem examination where necessary receipts or bills or proof of ownership such as an original receipt a valuation ori
11. document detailing the Insurer the policy number the Period of Insurance the sections of Your travel insurance policy which are operative in Your case Your sums insured for each section of cover and any special terms and conditions which may apply to Your policy The Statement of Insurance includes all the information You provided whenWe prepared Your quotation and forms part of the policy Terrorism means 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 alone or on behalf of or in connection with any organisations s or governments committed for political religious ideological or similar purposes including the intention to influence any government and or to put the public or any section of the public in fear Ski Equipment means skis including bindings ski boots ski poles and snowboards Trip means any holiday business or pleasure trip or journey made by You within the area of travel shown in Your Statement of Insurance which begins and ends in Your Home Area during the Period of Insurance but excluding one way trips or journeys Unattended means when Your vehicle or property are not in full view of You and You are not in a position to prevent unauthorised interference United Kingdom means England Scotland Wales Northern Ireland Valuables means jewellery gold silver precious metal or precious or semiprecious stone ar
12. hours You are delayed up to a maximum of 24 hours 2 We will pay You one of the benefits shown below if You sustain Bodily Injury which shall solely and independently of any other cause result within two years in Your death Loss of limb Loss of sight or permanent total disablement as a direct result of an act of Air Rage by an individual or group of individuals travelling on Your aircraft What is not covered 1 Any claim where You a Close Relative a member of Your family or travelling companions knowingly deliberately or recklessly provoked the perpetrator of the Air Rage 2 Any claim where either You or a Close Relative a member of Your family or travelling companion is responsible for the act of Air Rage 3 Anything mentioned in the general exclusions on page 4 You should also refer to the important conditions relating to health on page 3 BENEFIT Age 18 years to 45 years i Death 10 000 both eyes ii Loss of one or more limbs and or Loss of sight in one or 32 000 disablement iii Permanent total 40 000 You may claim only under section 12 Air Rage or section 4 Personal accident for the same event not both Provisions 1 Benefit is not payable to You a Under more than one of items i ii or iii b Under item iii until one year after the date You sustain Bodily Injury c Under item iii if You are able or may be able to carry out any relevant employme
13. is not covered iii any liability assumed by You for any part of a third party s contractual liability whether based upon contribution towards rent or otherwise iv loss or damage occurring away from the Risk Address 3 Anything mentioned in the general exclusions on page 4 1 You must give Us written notice as soon as possible of any incident which may give rise to a claim 2 You must send Us every court claim form summons letter of claim or other document as soon as You receive it 3 You must not admit any liability or pay offer to pay promise to pay or negotiate any claim without Our written consent 4 Under sections 2a 2c and 2d the original tenancy agreement must be provided as this will help You to substantiate Your claim 5 Under section 2d the inventory for the Risk Address must be provided as this will help You to substantiate Your claim 6 Under section 2b the original invoice from Your College or Hospital must be provided as this will help You to substantiate Your claim 4 We will be entitled if We so desire to take over and conduct in Your name the defence of any claims for indemnity or damages or otherwise against any third party We shall have full discretion in the conduct of any negotiation or proceedings or in the settlement of any claim and You shall give Us all necessary information and assistance which We may require 5 In the event of Your death Your legal representative s will have the protection of this cov
14. the loss theft or damage and obtain at Your own expense written confirmation of the loss If Baggage Golf Equipment is lost stolen or damaged whilst in the care of an airline You must a obtain a Property Irregularity Report from the airline b give formal written notice of the claim to the airline within the time limit contained in their conditions of carriage please retain a copy c retain all travel tickets and tags for submission if a claim is to be made under this policy 3 You must provide at Your own expense an original receipt or proof of ownership for items lost stolen or damaged to help You to substantiate Your claim Introduction Contents Definitions General Conditions Claims Conditions Important Conditions Relating to Health General Exclusions Sports and Activities Covered Emergency and Medical Service Section 1 Cancellation or Curtailment Charges Section 2 Emergency Medical and Other Expenses Section 3 Hospital Benefit Section 4 Personal Accident Section 5 Baggage Section6 Personal Money Passport and Documents Section 7 Personal Liability Section 8 Delayed Departure Section 9 Missed Departure Section 10 Hijack and Hostage Section 11 Catastrophes and Natural Disasters Section 12 Air Rage Section 13 Incarceration Section 14 Overseas Legal Expenses and Assistance Section 15 Ski Equipment Section 16 Hire of Ski Equipment Section 17
15. 000 limbs and or Loss of sight in one or both eyes Comprehensive 30 000 3 Permanent total Essential FIB 000 disablement Comprehensive 30 000 You may claim only under section 4 Personal Accident or 12 Air Rage for the same event not both Special conditions relating to claims 1 Our Medical Practitioner may examine You as often as they deem necessary in the event of a claim Provisions 1 Benefit is not payable to You a Under more than one of items 1 2 or 3 b Under item 3 until one year after the date You sustain Bodily Injury c Under item 3 if You are able or may be able to carry out any relevant employment or relevant occupation Introduction Contents Definitions General Conditions Claims Conditions Important Conditions Relating to Health General Exclusions Sports and ctivities Covered Emergency and Medical Service Section 1 Cancellation or Curtailment Section 2 Emergency Medical and Other Expenses Section 3 Hospital Benefit Section 4 Personal Accident Section 5 Baggage Section6 Personal Money Passport and Documents Section 7 Personal Liability Section 8 Delayed Departure Section 9 Missed Departure Section 10 Hijack and Hostage Section 11 Catastrophes and Natural Disasters Section 12 Air Rage Section 13 Incarceration Section 14 Overseas Legal Expenses and Assistance Section 15 Ski Equipment Section 16 Hire
16. 3 Hospital Benefit Section 4 Personal Accident Section 5 Baggage Section6 Personal Money Passport and Documents Section 7 Personal Liability Section 8 Delayed Departure Section 9 Missed Departure Section 10 Hijack and Hostage Section 11 Catastrophes and Natural Disasters Section 12 Air Rage Section 13 Incarceration Section 14 Overseas Legal Expenses and Assistance Section 15 Ski Equipment Section 16 Hire of Ski Equipment Section 17 Ski Pack Section 18 Piste Closure Section 19 Avalanche Cover Section 20 Course Fees Section 21 Specified Items Section 22 Computer Equipment and Computer Accessories Complaints Procedure Data Protection Act Special conditions relating to claims What is not covered 6 Loss or damage due to cracking scratching breakage of or damage to china glass other than glass in watch faces cameras binoculars or telescopes porcelain or other brittle or fragile articles unless caused by fire theft of or accident to the aircraft sea vessel train or vehicle in which they are being carried 7 Breakage of skins and strings cracking scratching or denting of musical instruments 8 Loss or damage due to breakage of sports equipment or damage to sports clothing whilst in use 9 Loss theft of or damage to business goods samples tools of trade motor accessories and other items used in connection with Your business trade profession or occupa
17. 3 Hospital Benefit Section 4 Personal Accident Section 5 Baggage Section 6 Personal Money Passport and Documents Section 7 Personal Liability Section 8 Delayed Departure Section 9 Missed Departure Section 10 Hijack and Hostage Section 11 Catastrophes and Natural Disasters Section 12 Air Rage Section 13 Incarceration Section 14 Overseas Legal Expenses and Assistance Section 15 Ski Equipment Section 16 Hire of Ski Equipment Section 17 Ski Pack Section 18 Piste Closure Section 19 Avalanche Cover Section 20 Course Fees Section 21 Specified Items Section 22 Computer Equipment and Computer Accessories Complaints Procedure Data Protection Act Section 7 Personal Liability continued What is covered c Accidental damage by an nsured Cause to i gas electricity or water meters ii non portable telephone equipment owned by and rented from the service provider in the Risk Address Maximum amount payable 150 d Accidental loss of or damage to household goods other than telephones by an nsured Cause rented under the terms of a formal tenancy agreement occurring in the Risk Address Maximum amount payable 250 Under 2b and 2d the amount payable will be the value at today s prices less a deduction for wear tear and depreciation or We may at Our option replace reinstate or repair the lost or damaged items Special conditions relating to claims What
18. Any claims arising directly or indirectly in respect of a Cost of telephone calls other than i calls to the Emergency Assistance Service notifying and dealing with the problem for which You are able to provide receipts or other reasonable evidence to show the cost of the calls and the numbers You telephoned ii any costs incurred by You when You receive calls on Your mobile telephone from the Emergency Assistance Service for which You are able to provide receipts or other reasonable evidence to show the cost of the calls b The cost of taxi fares other than those for Your travel to or from hospital relating to Your admission discharge or attendance for outpatient treatment or appointments or for collection of medication prescribed for You by the hospital However any costs incurred by You to visit another person in hospital are not covered c The cost of treatment or surgery including exploratory tests which are not directly related to the Bodily Injury or illness which necessitated Your admittance into hospital d Any expenses which are not usual reasonable or customary to treat Your Bodily Injury or illness e Any form of treatment or surgery which in the opinion of the Emergency Assistance Service or Us based on information from the Medical Practitioner in attendance can be delayed reasonably until Your return to Your Home Area f Expenses incurred in obtaining or replacing medication or obtaining treatment or ongoing regula
19. DNHUHKRAWWD oo Index Page Section 7 Personal Liability 10 Section 8 Delayed Departure 11 Section 9 Missed Departure 11 Section 10 Hijack and Hostage 12 Section 11 Catastrophes and Natural Disasters 12 Section 12 Air Rage 13 Section 13 Incarceration 13 Section 14 Overseas Legal Expenses and Assistance 14 Section 15 Ski Equipment 14 Section 16 Hire of Ski Equipment 15 Section 17 Ski Pack 15 Section 18 Piste Closure 16 Section 19 Avalanche Cover 16 Section 20 Course Fees 16 Section 21 Specified Items 17 Section 22 Computer Equipment and Computer 17 Accessories Complaints Procedure 18 Data Protection Act 19 Definitions Any word or expression to which a specific meaning has been attached will bear the same meaning throughout this policy For ease of reading the definitions are highlighted by the use of bold print and will start with a capital letter You Your Insured Person means each person travelling on a Trip whose name appears in the Statement of Insurance Under annual multi trip cover each person insured under the policy is permitted to travel independently of each other We Us Our means AXA Insurance UK plc or Endsleigh Insurance Services Limited acting as administrator on its behalf Baggage means luggage clothing personal effects Valuables other articles which belong to You or for which You are legally responsible which are worn used or carried by You during any Trip but excludin
20. Section 18 Piste Closure Section 19 Avalanche Cover Section 20 Course Fees Section 21 Specified Items Section 22 Computer Equipment and Computer Accessories Complaints Procedure Data Protection Act The Endsleigh Group of Companies Endsleigh We Us Privacy Policy It is Endsleigh s policy to take all necessary steps to ensure that Your personal data held is processed fairly and lawfully in accordance with the Data Protection Act 1998 the Act We hold personal data relating to You in connection with insurance products and services You have asked Us to provide Except to the extent We are required or permitted by law personal data provided to or obtained by Us will be used for the purposes of providing You with the products and services You have requested It may also be shared within other Endsleigh group companies full details of which are available on request as Well as carefully selected third parties who have products and services that We think may be of interest to You In the process of gathering Your details We may collect sensitive information such as about Your health or in relation to motoring offences If You purchase products or services from Us You will have given Us Your consent to use this personal data as detailed in this Privacy Policy We may wish to contact You from time to time by telephone e mail or post about other products and services that may be of interest to You If at any t
21. Section 9 Missed Departure Section 10 Hijack and Hostage Section 11 Catastrophes and Natural Disasters Section 12 Air Rage Section 13 Incarceration Section 14 Overseas Legal Expenses and Assistance Section 15 Ski Equipment Section 16 Hire of Ski Equipment Section 17 Ski Pack Section 18 Piste Closure Section 19 Avalanche Cover Section 20 Course Fees Section 21 Specified Items Section 22 Computer Equipment and Computer Accessories Complaints Procedure Data Protection Act General Exclusions Applicable to all Sections of the Policy We will not pay for claims arising directly or indirectly from 1 War invasion acts of foreign enemies hostilities or warlike operations whether war be declared or not civil war rebellion Terrorism revolution insurrection civil commotion assuming the proportions of or amounting to an uprising military or usurped power but this exclusion shall not apply to losses under section 2 Emergency medical and other expenses section 3 Hospital benefit and section 4 Personal accident unless such losses are caused by nuclear chemical or biological attack or the disturbances were already taking place at the beginning of any Trip lonising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from combustion of nuclear fuel the radioactive toxic explosive or other hazardous properties of any nuclear assembly or nuc
22. Studying Abroad Travel Insurance Policy endsleigh Introduction This is Your Endsleigh travel insurance policy It contains details of cover conditions and exclusions relating to each Insured Person and is the basis on which all claims will be settled It is validated by the issue of the Statement of Insurance In return for having accepted Your premium We will in the event of Bodily Injury death illness disease loss theft damage legal liability or other specified events happening within the Period of Insurance provide insurance in accordance with the operative sections of Your policy as referred to in Your Statement of Insurance The Statement of Insurance and any endorsements are all part of the policy Your policy is evidence of the contract of insurance Your contract of insurance and all communications before and during Your contract of insurance will be provided in English United Kingdom residents This policy is only available to You if You are permanently resident in the United Kingdom and registered with a Medical Practitioner in the United Kingdom The Law applicable to this policy You and We can choose the law which applies to this policy We propose the English law applies Unless We and You agree otherwise English law will apply to this policy Age eligibility This policy is not available to anyone aged 46 or over Policy excess Under most sections of the policy claims will be subject to an excess This m
23. The maximum We will pay for the following items is a any one article pair or set of articles 1 000 b Computer Accessories 150 The amount payable will be the value at today s prices less a deduction for wear tear and depreciation or We may at Our option replace reinstate or repair the lost or damaged Computer Equipment Computer Accessories What is not covered 1 The first 100 of each and every claim per incident claimed for under this section by each Insured Person 2 Any item not listed on Your Statement of Insurance 3 Loss theft of or damage to Specified Items left Unattended at any time including in a vehicle or in the custody of carriers unless deposited in a hotel safe safety deposit box or left in Your locked accommodation 4 Loss or damage due to delay confiscation or detention by customs or other authority 5 Loss theft or damage to unset precious stones hearing aids dental or medical fittings antiques bicycles air or water craft motor vehicles trailers motor assisted pedal cycles and their accessories fitted audio equipment mountaineering equipment Ski Equipment and damage to carrying cases 17 Introduction General Conditions Claims Conditions Important Conditions Relating to Health General Exclusions Sports and ctivities Covered Emergency and Medical Service Section1 Cancellation or Curtailment Section 2 Emergency Medical and Other Expenses Section
24. ance Section 15 Ski Equipment Section 16 Hire of Ski Equipment Section 17 Ski Pack Section 18 Piste Closure Section 19 Avalanche Cover Section 20 Course Fees Section 21 Specified Items Section 22 Computer Equipment and Computer Accessories Complaints Procedure Data Protection Act Section 12 Air Rage This section is applicable to Comprehensive cover only Special Definitions relating to this section which are shown in bold italics Air Rage means the act of an individual committing a crime whilst on board an aircraft which results in the perpetrator being handed to and detained by local Police or equivalent authorities on the landing of the aircraft Loss of limb means loss by permanent severance of an entire hand or foot or the total and permanent loss of use of an entire hand or foot Loss of sight means total and irrecoverable Loss of sight which shall be considered as having occurred a in both eyes if Your name is added to the Register of Blind Persons on the authority of a fully qualifies ophthalmic specialist and b in one eye if the degree of sight remaining after correction is 3 60 or less on the Snellen scale What is covered 1 If Your aircraft is delayed due to an act of Air Rage by an individual or group of individuals We will pay You the following a 100 if Your flight is delayed for at least 4 hours from the scheduled time of departure b an additional 100 for every further 4
25. ave been advised by Your tour operator hotelier or the local authority to leave Your booked accommodation b necessary additional travelling expenses incurred so You can continue Your Trip If the same costs charges or expenses are also covered under section 11 Catastrophes and natural disasters or section 1 Cancellation or curtailment You can only claim for these under one section for the same event Special conditions relating to claims 1 In the event of a claim You must get either a written confirmation and proof from the hotel management of the loss of use of the pre booked accommodation or b a report from the local or national authority stating that it was not acceptable for You to remain in Your pre booked accommodation 12 Introduction General Conditions Claims Conditions Important Conditions Relating to Health General Exclusions Sports and ctivities Covered Emergency and Medical Service Section1 Cancellation or Curtailment Section 2 Emergency Medical and Other Expenses Section 3 Hospital Benefit Section 4 Personal Accident Section 5 Baggage Section6 Personal Money Passport and Documents Section 7 Personal Liability Section 8 Delayed Departure Section 9 Missed Departure Section 10 Hijack and Hostage Section 11 Catastrophes and Natural Disasters Section 12 Air Rage Section 13 Incarceration Section 14 Overseas Legal Expenses and Assist
26. bility Section 8 Delayed Departure Section 9 Missed Departure Section 10 Hijack and Hostage Section 11 Catastrophes and Natural Disasters Section 12 Air Rage Section 13 Incarceration Section 14 Overseas Legal Expenses and Assistance Section 15 Ski Equipment Section 16 Hire of Ski Equipment Section 17 Ski Pack Section 18 Piste Closure Section 19 Avalanche Cover Section 20 Course Fees Section 21 Specified Items Section 22 Computer Equipment and Computer Accessories Complaints Procedure Data Protection Act Introduction General Conditions Claims Conditions Important Conditions Your Cover There are two levels of cover for sections 1 2 4 5 6 7 9 14 16 18 and 20 which are Essential cover Comprehensive cover The benefits under Comprehensive cover are generally higher than Essential cover The level of benefit is shown for each level of cover within each section The level of cover which You have chosen is show in Your Statement of Insurance The General conditions on page 2 and General exclusions on page 4 apply to the whole of the policy and all levels of cover Each section states the level of benefits payable and any limits conditions and exclusions applying specifically to that section The level of benefits for which You are eligible will depend upon the The cover under sections 17 18 21 and 22 is the same under Essential cover and Comprehensive cover Th
27. cal and Other Expenses Section 3 Hospital Benefit Section 4 Personal Accident Section 5 Baggage Section 6 Personal Money Passport and Documents Section 7 Personal Liability Section 8 Delayed Departure Section 9 Missed Departure Section 10 Hijack and Hostage Section 11 Catastrophes and Natural Disasters Section 12 Air Rage Section 13 Incarceration Section 14 Overseas Legal Expenses and Assistance Section 15 Ski Equipment Section 16 Hire of Ski Equipment Section 17 Ski Pack Section 18 Piste Closure Section 19 Avalanche Cover Section 20 Course Fees Section 21 Specified Items Section 22 Computer Equipment and Comput er Accessories Complaints Procedure Data Protection Act Definitions continued due to compulsory quarantine or on the orders of a Medical Practitioner in either case for a period in excess of 48 hours Claims will be calculated from the day You were admitted to hospital or confined to Your accommodation and based on the number of complete days for which You were hospitalised quarantined or confined to Your accommodation Home means Your normal place of residence in the United Kingdom Home Area means United Kingdom excluding Channel Islands and the Isle of Man Medical Condition means any disease illness or injury Medical Practitioner means a registered practising member of the medical profession who is not related to You or any person w
28. cycles Ski Equipment and damage to suitcases unless the suitcases are entirely unusable as a result of one single incidence of damage 6 Loss or damage due to cracking scratching breakage of or damage to china glass other than glass in watch faces cameras binoculars or telescopes porcelain or other brittle or fragile articles unless caused by fire theft or accident to the aircraft sea vessel train or vehicle in which they are being carried 7 Loss or damage due to breakage of sports equipment or damage to sports clothing whilst in use 8 Loss theft of or damage to business goods samples tools of trade motor accessories and other items used in connection with Your business trade profession or occupation 9 Loss or damage caused by wear and tear depreciation deterioration atmospheric or climatic conditions moth vermin any process of cleaning repairing or restoring mechanical or electrical breakdown 10 Anything mentioned in the general exclusions on page 4 1 You must report to the local Police in the country where the incident occurred within 24 hours of discovery or as soon as possible after that and obtain at Your own expense a written report of the loss theft or attempted theft of all Baggage Golf Equipment 2 If Baggage Golf Equipment is lost stolen or damaged while in the care of a carrier transport company authority hotel or Your accommodation provider You must report to them in writing details of
29. d of Your original booking if it is medically necessary for You to stay beyond Your scheduled return date This includes with the prior authorisation of the Emergency Assistance Service reasonable additional transport and or accommodation expenses up to the following amount Essential 3 000 Comprehensive 4 000 for one friend or Close Relative to remain with You or travel to You from the United Kingdom or escort You and additional travel expenses to return You to Your Home if You are unable to use the return ticket 5 With the prior authorisation of the Emergency Assistance Service the additional costs incurred in the use of air transport or other suitable means including qualified attendants to repatriate You to Your Home Area if it is medically necessary Repatriation expenses will be in respect only of the identical class of travel utilised on the outward journey unless the Emergency Assistance Service agree otherwise 6 In the event of a valid Curtailment claim and Your repatriation to Your Home Area We will pay You up to 5 000 for additional transport costs for You to return to the country in which You were studying following Your full recovery from Bodily Injury or illness providing it is considered essential by Your course tutor or Your Home Area Special conditions relating to claims What is not covered 1 The first 100 of each and every claim per incident claimed for under this section by each Insured Person 2
30. de under this policy 3 You must provide at Your own expense an original receipt or proof of ownership for items lost stolen or damaged to help You to substantiate Your claim Section 17 Ski Pack What is not covered 1 Anything mentioned in the general exclusions on page 4 What is covered We will pay You a Up to 500 for the unused portion of Your ski pack ski school fees lift passes and hired Ski Equipment following Your Bodily Injury or illness b Up to 150 for the unused portion of Your lift pass if lost Special conditions relating to claims 1 You must provide at Your own expense written confirmation from a Medical Practitioner that such Bodily Injury or illness prevented You from using Your ski pack 15 Introduction Contents Definitions General Conditions Claims Conditions Important Conditions Relating to Health General Exclusions Sports and ctivities Covered Emergency and Medical Service Section 1 Cancellation or Curtailment Section 2 Emergency Medical and Other Expenses Section 3 Hospital Benefit Section 4 Personal Accident Section 5 Baggage Section6 Personal Money Passport and Documents Section 7 Personal Liability Section 8 Delayed Departure Section 9 Missed Departure Section 10 Hijack and Hostage Section 11 Catastrophes and Natural Disasters Section 12 Air Rage Section 13 Incarceration Section 14 Overseas Legal Expe
31. e 30 of value 20 of value Less than 1 year old Over 1 year old Over 2 years old Over 3 years old Over 4 years old Over 5 years old No payment What is not not covered 1 The first 100 of each and every claim per incident claimed for under this section by each Insured Person 2 Loss theft of or damage to Ski Equipment contained in or stolen from an Unattended vehicle a overnight between 9 p m and 9 a m local time or b at any time between 9 a m and 9 p m local time unless it is iin the glove compartment or locked boot which is separate from the passenger compartment for those vehicles with a boot of a locked vehicle or iin the glove compartment or luggage compartment of a locked hatchback vehicle fitted with a lid closing off the luggage area or of a locked estate car with a fitted and engaged tray or roller blind cover behind the rear seats or iii in the fixed storage units of a locked motorised or towed caravan 3 Loss or damage due to delay confiscation or detention by customs or other authority 4 Loss or damage caused by wear and tear depreciation deterioration atmospheric or climatic conditions moth vermin any process of cleaning repairing or restoring mechanical or electrical breakdown 5 Anything mentioned in the general exclusions on page 4 14 Introduction Contents Definitions General Conditions Claims Conditions Important Condi
32. e cover under sections 3 8 and 10 to 13 apply to Comprehensive cover only level of cover You have chosen Please consult the relevant sections of this policy for details of the maximum sums payable and limitations applying to Your chosen level of cover Section 1 Cancellation or Curtailment Charges What is not covered What is covered We will pay You up to the following amount 1 The first 100 of each and every claim per incident claimed for Relating to Health General Exclusions Sports and ctivities Covered Emergency and Medical Service Section1 Cancellation Essential 2 000 under this section by each Insured Person or Curtailment Comprehensive 5 000 2 The cost of Air Passenger Duty for any irrecoverable unused travel and accommodation costs 3 Any claims arising directly or indirectly from Section 2 including excursions up to 250 and other a Redundancy caused by or resulting from misconduct leading NIY pre paid charges which You have paid or are contracted to pay to dismissal or from resignation or voluntary redundancy or Other Expenses together with Your proportion only of any reasonable additional where a warning or notification of redundancy was given prior Section 3 travel expenses incurred if to the date this insurance is purchased by You or the time of Hospital a cancellation of the Trip is necessary and unavoidable or booking any Trip Benefit b the Trip is Curtailed before completion b Ci
33. e deduction of excess under section 2 Emergency medical and other expenses Australia If You require medical treatment in Australia You must enrol with a local MEDICARE office You do not need to enrol on arrival but You must do this after the first occasion You receive treatment In patient and out patient treatment at a public hospital is then available free of charge Details of how to enrol and the free treatment available can be found in the Health advice for Travellers booklet available from Your local Post Office or by visiting either www dh gov uk travellers or the MEDICARE website on www hic gov au Alternatively please call the Emergency Assistance Service for guidance If You are admitted to hospital contact must be made with the Emergency Assistance Service as soon as possible and their authority obtained in respect of any treatment NOT available under MEDICARE Contact the Emergency Assistance Service on telephone number 44 0 203 126 4114 or 44 0 203 O609 671 Introduction Definitions General Conditions Claims Conditions Important Conditions Relating to Health General Exclusions Sports and ctivities Covered Emergency and Medical Service Section 1 Cancellation or Curtailment Section 2 Emergency Medical and Other Expenses Section 3 Hospital Benefit Section 4 Personal Accident Section 5 Baggage Section6 Personal Money Passport and Documents Section 7 Personal Lia
34. eans that You will be responsible for paying the first part of each and every claim per incident claimed for under each section for each Insured Person Policy information or advice If You would like more information or if You feel the insurance may not meet Your needs telephone Our customer helpline on 0800 923 4050 Please carry this policy with You in case of an emergency Your Insurer AXA Insurance UK plc Registered in England No 78950 Registered Office 5 Old Broad Street London EC2N 1AD AXA Insurance UK plc is authorised by the Prudential Regulated Authority and regulated by the Financial Conduct Authority and the Prudential Regulated Authority with registered number 202312 This can be checked on the Financial Services register by visiting their website at www fca org uk register or by contacting them on 0300 500 8082 Contents Index Introduction Definitions General conditions applicable to the whole policy Claims conditions Important conditions relating to health General exclusions applicable to all sections of the policy Sports and activities covered Emergency and medical service Reciprocal health agreements EU EEA or Switzerland Australia Your cover Section 1 Cancellation or Curtailment Charges Section 2 Emergency Medical and Other Expenses Section 3 Hospital Benefit Section 4 Personal Accident Section 5 Baggage Section 6 Personal Money Passport and Documents Page DCDOWMDANAMAN
35. ent legislation and at the time of booking the Trip there was no reason to believe anyone would be made redundant of You or any person with whom You are travelling or have arranged to travel with You or any person with whom You are travelling or have arranged to travel with are a member of the Armed Forces Police Fire Nursing or Ambulance Services or employees of a Government Department and have Your their authorised leave cancelled for operational reasons provided that such cancellation or Curtailment could not reasonably have been expected at the time when You purchased this insurance or at the time of booking any Trip The Police requesting You to remain at or return to Your Home due to serious damage to Your Home caused by fire aircraft explosion storm flood subsidence malicious persons or theft Cancellation of Your study course by the College University authorities You should also refer to the important conditions relating to health on page 3 If the same costs charges or expenses are also covered under section 1 Cancellation or curtailment or section 11 Catastrophes and natural disasters for the same event You can only claim under one of these sections for the same event Special conditions relating to claims 1 You must obtain at Your own expense a medical certificate from a Medical Practitioner in attendance and prior approval of the Emergency Assistance Service to confirm the necessity to return Ho
36. er provided that such representative s complyCies with the terms and conditions outlined in this policy Section 8 Delayed Departure This section is applicable to Comprehensive cover only What is covered If departure of the Public Transport on which You are booked to travel is delayed at the final departure point from or to the United Kingdom for at least 12 hours from the scheduled time of departure due to a strike or b industrial action or c adverse weather conditions or d mechanical breakdown of or a technical fault occurring in the Public Transport on which You are booked to travel We will pay You 1 20 for the first completed 12 hours delay and 20 for each full 12 hours delay thereafter up to a maximum of 100 or 2 Up to 5 000 for Your proportion only of any irrecoverable unused travel and accommodation costs and other pre paid charges which You have paid or are contracted to pay if after a minimum 12 hours has elapsed You choose to cancel Your Trip What is not covered 1 The first 100 of each and every claim per incident claimed for under this section by each Insured Person under subsection 2 2 Claims arising directly or indirectly from a Strike or industrial action existing or publicly declared by the date You purchased this insurance or at the time of booking any Trip b Withdrawal from service temporary or otherwise of an aircraft or sea vessel on the recommendation of the Civil Aviation Aut
37. g Personal Money and documents of any kind Bodily Injury means an identifiable physical injury sustained by You caused by sudden unexpected external and visible means Injury as a result of Your unavoidable exposure to the elements shall be deemed to have been caused by bodily injury Close Business Associate means any person whose absence from business for one or more complete days at the same time as Your absence prevents the proper continuation of that business Close Relative means mother father sister brother wife husband daughter son grandparent grandchild parent in law son in law daughter in law sister in law brother in law step parent step child step sister step brother foster child legal guardian partner civil partner or fianc fianc e Curtailment Curtail means either a abandoning or cutting short the Trip by immediate and direct return to Your Home Area in which case claims will be calculated from the day You returned to Your Home Area and based on the number of complete days of Your Trip You have not used or b by attending a hospital outside Your Home Area as an in patient or being confined to Your accommodation abroad Introduction General Conditions Claims Conditions Import ant Conditions Relating to Healt General Exclusions Sports and ctivities Covered Emergency and Medical Service Section 1 Cancellation or Curtailment Charges Section 2 Emergency Medi
38. ginal user manual or bank credit card statements 2 Transferring of rights We are entitled to take over any rights in the defence or settlement of any claim and to take proceedings in Your name for Our benefit against any other party 3 Fraud You must not act in a fraudulent manner If You or anyone acting for You a Make a claim under the policy knowing the claim to be false or fraudulently exaggerated in any respect or b Make a statement in support of a claim knowing the statement to be false in any respect or c Submit a document in support of a claim knowing the document to be forged or false in any respect or d Make a claim in respect of any loss or damage caused by Your wilful act or with Your connivance Then a We shall not pay the claim b We shall not pay any other claim which has been or will be made under the policy c We may at Our option declare the policy void from the date of the fraudulent act d We shall be entitled to recover from You the amount of any claim already paid under the policy e We shall not make any return of premium f We may inform the Police of the circumstances You must retain any property which is damaged and if requested send it to Us at Your own expense If We pay a claim for the full value of the property and it is subsequently recovered or there is any salvage then it will become Our property We may refuse to reimburse You for any expenses for which You cannot provid I
39. gress Do everything possible to resolve Your complaint Use the information from complaints to continuously improve Our service About your insurers Risk Transfer Endsleigh acts as an agent for the insurer for the collection and refund of premiums and the payment of claims This means that premiums are treated as being received by the insurer when cleared funds are received by Endsleigh and that any premium refunds of claims monies are treated as received by you when it is actually paid over to you There are occasions where such transactions are restricted for example to receiving premiums only and Endsleigh will tell you if this is the case 18 Introduction General Conditions Claims Conditions Important Conditions Relating to Health General Exclusions Sports and ctivities Covered Emergency and Medical Service Section1 Cancellation or Curtailment Section 2 Emergency Medical and Other Expenses Section 3 Hospital Benefit Section 4 Personal Accident Section 5 Baggage Section6 Personal Money Passport and Documents Section 7 Personal Liability Section 8 Delayed Departure Section 9 Missed Departure Section 10 Hijack and Hostage Section 11 Catastrophes and Natural Disasters Section 12 Air Rage Section 13 Incarceration Section 14 Overseas Legal Expenses and Assistance Section 15 Ski Equipment Section 16 Hire of Ski Equipment Section 17 Ski Pack
40. he terms and conditions which apply to Your policy Where we reasonably suspect fraud or The use of threatening or abusive behaviour or language or intimidation or bullying of our staff or suppliers by You or any person acting on Your behalf c by Us immediately if You do not pay the premium Introduction General Conditions Claims Conditions Important Conditions Relating to Health General Exclusions Sports and ctivities Covered Emergency and Medical Service Section1 Cancellation or Curtailment Section 2 Emergency Medical and Other Expenses Section 3 Hospital Benefit Section 4 Personal Accident Section 5 Baggage Section6 Personal Money Passport and Documents Section 7 Personal Liability Section 8 Delayed Departure Section 9 Missed Departure Section 10 Hijack and Hostage Section 11 Catastrophes and Natural Disasters Section 12 Air Rage Section 13 Incarceration Section 14 Overseas Legal Expenses and Assistance Section 15 Ski Equipment Section 16 Hire of Ski Equipment Section 17 Ski Pack Section 18 Piste Closure Section 19 Avalanche Cover Section 20 Course Fees Section 21 Specified Items Section 22 Computer Equipment and Computer Accessories Complaints Procedure Data Protection Act Claims Conditions To benefit from the full protection of Your policy You must comply with the following conditions If You do not comply We may
41. hority or a Port Authority or any similar body in any country c Any delays to any subsequent outbound or return connecting Public Transport following Your departure from the final departure point from Your Home Area 3 Anything mentioned in the general exclusions on page 4 You may claim only under subsection 1 or 2 above for the same event not both You may claim only under section 8 Delayed departure or section 9 Missed departure for the same event not both Special conditions relating to claims 1 You must check in according to the itinerary supplied to You unless Your tour operator has requested You not to travel to the airport 2 You must obtain confirmation at Your own expense from the carriers or their handling agents in writing of the number of hours of delay an the reason for the delay 3 You must comply with the terms of contract of the travel agent carrier or provider of transport Section 9 Missed Departure What is covered We will pay You up to the following amount Essential 250 Comprehensive 500 necessarily incurred in reaching Your overseas destination or returning to the United Kingdom if You fail to arrive at the international departure point in time to board the Public Transport on which You are booked to travel on the initial international journey of the Trip as a result of 1 the failure of other Public Transport or 2 an accident to or breakdown of the vehicle in which You are tra
42. ice it is safe to do so 2 Anything mentioned in the general exclusions on page 4 1 You or someone on Your behalf must give notice as soon as possible to the Emergency Assistance Service of any Bodily Injury or illness which necessitates Your admittance to hospital as an in patient Section 4 Personal Accident Special Definitions relating to this section which are shown in bold italics Loss of limb means loss by permanent severance of an entire hand of foot or the total and permanent loss of use of an entire hand or foot Loss of sight means total and irrecoverable loss of sight which shall be considered as having occurred a in both eyes if Your name is added to the Register of Blind Persons on the authority of a fully qualified ophthalmic specialist and b in one eye if the degree of sight remaining after correction is 3 60 or less on the Snellen scale What is covered We will pay one of the benefits shown below if You sustain Bodily Injury which shall solely and independently of any other cause result within two years in Your death Loss of limb Loss of sight or permanent total disablement What is not covered 1 Anything mentioned in the general exclusions on page 4 You should also refer to the important conditions relating to health on page 3 BENEFIT Cover Age 18 years to 45 years inclusive 1 Death Essential 5 000 Comprehensive 5 000 2 Loss of one or more Essential 15
43. ied by a qualified Covered if the appropriate winter sports premium has been paid No cover under section 7 Personal liability for these sports or activities dry slope skiing ice skating person and no racing kick sledging zorbing ski blading skiing on piste skiing mono skiing off piste with a guide sledging sledging pulled by horse dog or reindeer as a passenger snow boarding snow shoe walking Emergency and Medical Service In the event of a serious illness or accident which may lead to in patient hospital treatment or before any arrangements are made for repatriation or in the event of Curtailment necessitating Your early return to Your Home Area You must contact the Emergency Assistance Service The service is available to You and operates 24 hours a day 365 days a year for advice assistance making arrangements for hospital admission repatriation to Your Home Area and authorisation of medical expenses If this is not possible because the condition requires immediate emergency treatment You must contact the Emergency Assistance Service as soon as possible Medical assistance abroad The Emergency Assistance Service has the medical expertise contacts and facilities to help should You be injured in an accident or fall ill The Emergency Assistance Service will also arrange transport to Your Home Area when this is considered to be medically necessary or when You have notice of serious illness or dea
44. ime You do not wish to receive this information then please write to Endsleigh s Group Data Protection Officer at Endsleigh Insurance Services Limited Shurdington Road Cheltenham Glos GL51 4UE Under the Act as a data subject You are granted certain rights If You would like to know what information We hold about You You can write to Us as above We may charge You a statutory administration fee to comply with Your request Should You have any other queries in connection with data protection then please contact Endsleigh s Group Data Protection Officer as above Endsleigh will share the personal details You provide with AXA Insurance UK plc a member of the AXA Group To administer Your policy AXA will hold and use information about You supplied by You and by medical providers AXA may send it in confidence for processing to other companies in the AXA Group or companies acting on AXA s instructions including those located outside the European Economic Area Applications for further information should be addressed to the Data Protection Officer at AXA Insurance UK plc 5 Old Broad Street London EC2N 1AD Endsleigh Insurance Service Limited is authorised and regulated by the Financial Conduct Authority This can be checked on the Financial Services Register by visiting their website at www fca org uk register Endsleigh Insurance Services Limited Company No 856706 registered in England at Shurdington Road Cheltenham Spa Gl
45. ing facilities were closed in Your resort and the reason for the closure Section 19 Avalanche Cover What is covered We will pay You up to Essential 200 Comprehensive 300 for reasonable extra travel and accommodation expenses if Your arrival or departure from Your pre booked ski resort is delayed by more than 12 hours due to an avalanche What is not covered 1 The first 100 of each and every claim per incident claimed for under this section by each Insured Person 2 Any costs incurred where the ski resort is less than 1 000 metres above sea level 3 Anything mentioned in the general exclusions on page 4 Special conditions relating to claims 1 You must obtain at Your own expense written confirmation from the tour operator or local authority or their representative confirming the location date time and duration of the avalanche Section 20 Course Fees What is not covered 1 The first 100 of each and every claim per incident claimed for under this section by each Insured Person 2 Any claims arising directly or indirectly from circumstances known to You prior to the date this insurance is purchased by You or the time of booking any Trip whichever is the earlier which could reasonably have been expected to give rise to cancellation or Curtailment of the Trip 3 More than the cost of that proportion of the course missed 4 Anything mentioned in the general exclusions on page 4 What is covered
46. is 6 Any Medical Condition affecting You a Close Relative or a Close Business Associate that could reasonably be expected to give rise to aclaim B At any time 1 Any Medical Condition You have in respect of which a Medical Practitioner has advised You not to travel or would have done so had You sought his her advice but despite this You still travel 2 Any surgery treatment or investigations for which You intend to travel outside Your Home Area to receive including any expenses incurred due to the discovery of other Medical Conditions during and or complications arising from these procedures 3 Any Medical Condition for which You are not taking the recommended treatment or prescribed medication as directed by a Medical Practitioner 4 You travel against any health requirements stipulated by the carrier their handling agents or other Public Transport provider You should also refer to the general exclusions on page 4 Introduction Definitions General Conditions Claims Conditions Important Conditions Relating to Health General Exclusions Sports and ctivities Covered Emergency and Medical Service Section 1 Cancellation or Curtailment Charges Section 2 Emergency Medical and Other Expenses Section 3 Hospital Benefit Section 4 Personal Accident Section 5 Baggage Section6 Personal Money Passport and Documents Section 7 Personal Liability Section 8 Delayed Departure
47. ith whom You are travelling Period of Insurance means the period means the period of the Trip and terminating upon its completion but not in any case exceeding the period shown in the Statement of Insurance Section 1 Cancellation cover shall be operative from the time You pay the premium For all other sections of the policy the insurance commences when You leave Your Home or in respect of a business Trip Your place of business in the United Kingdom whichever is the later to commence the Trip and terminates at the time of Your return to Your Home or place of business in the United Kingdom whichever is the earlier on completion of the Trip Any Trip that had already begun when You purchased this insurance will not be covered The period of insurance is automatically extended for the period of the delay in the event that Your return to Your Home Area is unavoidably delayed due to an event insured by this policy Personal Money means bank notes and coins in current use travellers and other cheques postal or money orders pre paid coupons or vouchers travel tickets event and entertainment tickets phonecards and credit debit or charge cards all held for private purposes Public Transport means any publicly licensed aircraft sea vessel train or coach on which You are booked or had planned to trav isk Address means the room or rooms normally occupied by You during Your period of study abroad Statement of Insurance means the
48. ive notice as soon as possible to the Emergency Assistance Service of any Bodily Injury or illness which necessitates Your admittance to hospital as an in patient or before any arrangements are made for Your repatriation 2 In the event of Your Bodily Injury or illness We reserve the right to relocate You from one hospital to another and arrange for Your repatriation to Your Home Area at any time during the Trip We will do this if in the opinion of the Emergency Assistance Service or Us based on information received from the Medical Practitioner in attendance You can be moved safely and or travel safely to Your Home Area to continue treatment 3 You must provide Us with written confirmation from Your course tutor in the United Kingdom that it is essential for You to return to the country in which You were studying to be able to complete Your course 4 You must provide at Your own expense the following evidence where relevant i Receipts or bills for all in patient out patient treatment or emergency dental treatment received ii In the event of death the original death certificate and receipts or bills for funeral cremation or repatriation expenses iii Receipts or bills for taxi fares to or from hospital claimed for stating details of the date name and location of the hospital concerned iv Receipts or bills for any other transport accommodation or other costs charges or expenses claimed for including calls to the Emergency Assistance
49. kdown services of the location reason for and duration of the delay 2 You must allow sufficient time for the Public Transport or other transport to arrive on schedule and to deliver You to the departure point Section 10 Hijack and Hostage This section is applicable to Comprehensive cover only Special Definitions relating to this section which are shown in bold italics Hijack means the unlawful seizure or wrongful exercise of control of an aircraft or conveyance the You are travelling in as a fare paying passenger What is not covered 1 Any costs under section 2 of What is covered where You have been missing or taken hostage for less than 7 days 2 If You or Your family or Your business connections have engaged in any political or other activity that could be expected to increase the risk of Hijack or hostage 3 Anything mentioned in the general exclusions on page 4 What is covered 1 We will pay You 50 for every complete 24 hours up to a maximum of 3 000 for the duration of the Hijack We will also extend the geographical limits of Your cover as necessary without extra charge 2 We will pay You up to 3 000 if You are taken hostage or disappear whilst on Your Trip for reasonable travelling expenses economy class and accommodation costs room only for one Close Relative or close friend to travel out to the last place You were seen You may claim only under section 1 or 2 above for the same event not both
50. lear component of such assembly Loss destruction or damage directly occasioned by pressure waves caused by aircraft and other aerial devices travelling at sonic or supersonic speeds 4 Your pursuit of winter sports unless sections 16 17 18 19 and 20 are shown as operative in Your Statement of Insurance in which case cover will apply to 8 You drinking too much alcohol alcohol abuse or alcohol dependency We do not expect You to avoid alcohol on Your Trips or holidays but We will not cover any claims arising because You have drunk so much alcohol that Your judgement is seriously affected and You need to make a claim as a result 9 Your own unlawful action or any criminal proceedings against You 10 Any other loss damage or additional expense following on from the event for which You are claiming unless We provide cover under this insurance 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 loss of earnings following Bodily Injury illness or disease 11 Operational duties of a member of the Armed Forces other than claims arising from authorised leave being cancelled due to operational reasons as provided for under sub section 4 of section 1 Cancellation or Curtailment charges 2 Your use of a motorised vehicle unless a full United Kingdom driving licence is held permitting the use of such vehicles in the United Kingdo
51. ll pay up to the following amount Essential 1 000 000 Comprehensive 2 000 000 inclusive of legal costs and expenses against any amount You become legally liable to pay as compensation for any claim or series of claims arising from any one event or source of original cause in respect of accidental a Bodily Injury death illness or disease to any person who is not in Your employment or who is not a Close Relative or member of Your household b Loss of or damage to property that does not belong to and is neither in the charge of or under the control of You a Close Relative anyone in Your employment or any member of Your household other than any temporary holiday accommodation occupied but not owned by You 2 We will pay up to the following sum inclusive of legal costs and expenses against any amount You become legally liable to pay as compensation for any claim or series of claims arising from any one event or source of original cause in respect of a Theft or fire damage to landlords material property in Your custody and control under the terms of a formal tenancy agreement Maximum amount payable 1 000 b Accidental loss of or damage to College or Hospital property and College or Hospital books on loan and under Your custody and control by an Insured Cause while in Your Risk Address Maximum amount payable 250 What is not covered 1 The first 100 of each and every claim per incident claimed for under this sec
52. local Police in the country where the incident occurred within 24 hours or as soon as possible after that of discovery and obtain a written report of the loss theft or attempted theft of all Specified Items 2 If Specified Items are lost stolen or damaged while in the care of a hotel You must report to them in writing details of the loss theft or damage and obtain written confirmation 3 You must provide at Your own expense an original receipt or proof of ownership for items lost stolen or damaged to help You to substantiate Your claim Section 22 Computer Equipment and Computer Accessories Only operative if indicated in the Statement of Insurance Special Definitions relating to this section which are shown in bold italics Computer Equipment means Your monitor pointing device keyboard printer scanner and system unit The system unit includes motherboard memory processor modem or terminal adapter graphics cards sound cards floppy hard drives CD and or DVD drives speakers purchased as part of a PC package Computer Accessories means microphones speakers purchased independently from a PC package removable drives web cams joysticks joypads games hardware What is covered We will pay You up to 3 000 for the accidental loss of theft of or damage to Computer Equipment Computer Accessories listed on Your Statement of Insurance under this section of cover up to the value stated against the item concerned
53. m 13 Your travel to a country or specific area or event to which the Travel Advice Unit of the Foreign amp Commonwealth Office or the a the winter sports shown in the list on page 4 and b any other winter sports shown as covered in Your Statement of Insurance 5 Your participation in or practice of any professional entertaining or professional sports 6 Your participation in or practice of any other sport or activity manual work driving any motorised vehicle or racing unless a shown as covered without charge in the list on page 4 or b shown as covered in Your Statement of Insurance 7 Your wilfully self inflicted injury or illness suicide or attempted suicide sexually transmitted diseases solvent abuse the use of drugs other than drugs taken in accordance with treatment prescribed and directed by a Medical Practitioner but not for the treatment of drug addiction self exposure to needless peril except in an attempt to save human life of Insurance Covered as standard No cover under section 7 Personal liability for these sports or activities administrative or clerical occupations aerobics archery badminton banana boating baseball basketball bmx biking no stunting or racing body boarding boogie boarding bowls bungee jumping 1 jump only within professional organiser s guidelines and wearing appropriate safety equipment camel riding canoeing up to grade 2 rivers catama
54. me prior to Curtailment of the Trip due to death Bodily Injury or illness or complication arising as a direct result of pregnancy 2 If You fail to notify the travel agent tour operator or provider of transport accommodation as soon as it is found necessary to cancel the Trip the amount We will pay will be limited to the cancellation charges that would have otherwise applied 3 You must provide qritten confirmation from the College University authorities documenting the reason for the course cancellation and 4 the date that the decision was publicly announced If You cancel the Trip due to i Stress anxiety depression or any other mental or nervous disorder that You any person with whom You are travelling or have arranged to travel with any person with whom You have arranged to reside temporarily Your Close Relative or Your Close Business Associate are suffering from You must provide a medical certificate from either a registered mental health professional if You are under the care of a Community Mental Health Team or if not from a consultant specialising in the relevant field or ii Any other Bodily Injury illness or complications arising as a direct result of pregnancy You must provide a medical certificate from a Medical Practitioner stating that this necessarily and reasonably prevented You from travelling Section 9 Missed Departure Section 10 Hijack and Hostage Section 11 Catastrophes and Natural Disasters Sectio
55. meone You were travelling with a person related to You or another Insured Person 3 Legal costs and expenses incurred prior to Our written acceptance of the case 4 Any claim where the legal costs and expenses are likely to be greater than the anticipated amount of compensation 5 Any claim where legal costs and expenses are based directly or indirectly on the amount of compensation awarded for example a Contingency Fee Agreement 6 Legal costs and expenses incurred in any claim which is capable of being pursued under a Conditional Fee Agreement 7 Legal costs and expenses incurred if an action is brought in more than one country 8 Any claim where in Our opinion the estimated amount of compensation payment is less than 1 000 for each Insured Person 9 Travel accommodation and incidental costs incurred to pursue a civil action for compensation 10 Costs of any Appeal 11 Claims occurring within the United Kingdom 12 Claims by You other than in Your private capacity 13 Anything mentioned in the general exclusions on page 4 1 We shall have complete control over the legal case through agents We nominate by appointing agents of Our choice on Your behalf with the expertise to pursue Your claim 2 You must follow Our agent s advice and provide any information and assistance required within a reasonable timescale 3 You must advise Us of any offers of settlement made by the negligent third party and You must not acce
56. mportant Conditions Relating to Health You must comply with the following conditions to have full protection of Your policy If You do not comply We may at Our option cancel the policy or refuse to deal with Your claim or reduce the amount of any claim payment It is a condition of this policy that You will not be covered under section 1 Cancellation or curtailment charges and section 2 Emergency medical and other expenses for any claims arising directly or indirectly from A At the time of taking out this policy 1 Any Medical Condition You have or have had for which a symptoms symptoms or diagnosis has occurred within the last 12 months or b there has been a change in treatment including medication dosage surgery tests investigations or diet in the last 12 months 2 Any Medical Condition where You a Close Relative or a Close Business Associate is waiting for an operation hospital consultation other than for regular check ups or other hospital treatment or investigation 3 Any Medical Condition You a Close Relative or a Close Business Associate has within the last 6 months been seen by a specialist other than for regular check ups had an operation or other hospital treatment or investigation 4 Any Medical Condition where You a Close Relative or a Close Business Associate have received a terminal prognosis 5 Any Medical Condition where You a Close Relative or a Close Business Associate have not had a diagnos
57. n 12 Air Rage Section 13 Incarceration Section 14 Overseas Legal Expenses and Assistance Section 15 Ski Equipment Section 16 Hire of Ski Equipment Section 17 Ski Pack Section 18 Piste Closure Section 19 Avalanche Cover Section 20 Course Fees Section 21 Specified Items Section 22 Computer Equipment and Computer Accessories Complaints Data Section 2 Emergency Medical and Other Expenses What is covered We will pay You up to the following amount for the following expenses which are necessarily incurred within 12 months of the incident as a result of Your suffering unforeseen Bodily Injury or illness and or compulsory quarantine Essential 5 000 000 Comprehensive 10 000 000 1 Emergency medical surgical hospital ambulance and nursing fees and charges incurred outside Your Home Area 2 Emergency dental treatment for the immediate relief of pain to natural teeth only up to the following limit incurred outside Your Home Area Essential 250 Comprehensive 500 3 In the event of Your death a outside Your Home Area the reasonable additional cost of funeral expenses abroad up to a maximum of 2 000 plus the reasonable cost of conveying Your ashes or Your body to Your Home b within Your Home Area the reasonable additional cost of returning Your ashes or body to Your Home up to a maximum of 750 4 Reasonable additional transport and accommodation expenses incurred up to the standar
58. nses and Assistance Section 15 Ski Equipment Section 16 Hire of Ski Equipment Section 17 Ski Pack Section 18 Piste Closure Section 19 Avalanche Cover Section 20 Course Fees Section 21 Specified Items Section 22 Computer Equipment and Computer Accessories Complaints Procedure Data Protection Act Section 18 Piste Closure What is covered 1 Anything mentioned in the general exclusions on page 4 What is covered We will pay You up to 30 per day up to a maximum of Essential 200 Comprehensive 300 for the cost of transport organised by the tour operator to an alternative site if lack of snow conditions or avalanche results in the closure of skiing facilities excluding cross country skiing in Your resort and it is not possible to ski The cover only applies a To the resort which You have pre booked for a period of more than 12 hours which is at least 1 250 metres above sea and for as long as these conditions continue at the resort but not more than the pre booked period of Your Trip and b To Trips taken outside the United Kingdom during the published ski season for Your resort If no alternative sites are available We will pay You compensation of 30 per day up to a maximum of Essential 200 Comprehensive 300 Special conditions relating to claims 1 You must obtain at Your own expense written confirmation from the tour operator or their representative of the number of days ski
59. nt or relevant occupation Special conditions relating to claims 1 Our Medical Practitioner may examine You as often as they deem necessary in the event of a claim 2 You must obtain a written Police report or report from the appropriate airline authority of the incident of Air Rage Section 13 Incarceration This section is applicable to Comprehensive cover only What is covered We will pay up to 1 000 for reasonable travelling economy class and accommodation expenses room only for one Close Relative to travel out to You if You are arrested and lawfully imprisoned whilst on Your Trip You must have been imprisoned for more than 2 weeks with no prospect of release for at least another two weeks What is not covered 1 The first 100 of each and every claim per incident claimed for under this section by each Insured Person 2 Any expenses incurred by You in relation to Your imprisonment 3 Costs incurred by Your Close Relative within the first two weeks of Your imprisonment 4 Any costs incurred if there are reasonable prospects of Your release within two weeks of the date Your Close Relative intends to leave the Your Home Area 5 Anything mentioned in the general exclusions on page 4 13 Introduction Contents Definitions General Conditions Claims Conditions Important Conditions Relating to Health General Exclusions Sports and ctivities Covered Emergency and Medical Service Sec
60. nused course fees charges or expenses claimed for 5 You must provide written confirmation from Your College University that the course or any part of it needs to be repeated as a direct result of a death Bodily Injury or illness to a Close Relative making it necessary for You to return to Your Home or b Bodily Injury or illness to You which strictly necessitates absence from the course 16 Introduction Contents Definitions General Conditions Claims Conditions Important Conditions Relating to Health General Exclusions Sports and ctivities Covered Emergency and Medical Service Section 1 Cancellation or Curtailment Section 2 Emergency Medical and Other Expenses Section 3 Hospital Benefit Section 4 Personal Accident Section 5 Baggage Section6 Personal Money Passport and Documents Section 7 Personal Liability Section 8 Delayed Departure Section 9 Missed Departure Section 10 Hijack and Hostage Section 11 Catastrophes and Natural Disasters Section 12 Air Rage Section 13 Incarceration Section 14 Overseas Legal Expenses and Assistance Section 15 Ski Equipment Section 16 Hire of Ski Equipment Section 17 Ski Pack Section 18 Piste Closure Section 19 Avalanche Cover Section 20 Course Fees Section 21 Specified Items Section 22 Computer Equipment and Computer Accessories Complaints Procedure Data Protection Act Section 21 S
61. of Ski Equipment Section 17 Ski Pack Section 18 Piste Closure Section 19 Avalanche Cover Section 20 Course Fees Section 21 Specified Items Section 22 Computer Equipment and Computer Accessories Complaints Procedure Data Protection Act Section 5 Baggage only operative if indicated in the Statement of Insurance What is covered 1 We will pay You up to the following amount Essential 1 500 Comprehensive 2 500 for the accidental loss of theft of or damage to Your Baggage The amount payable will be the value at today s prices less a deduction for wear tear and depreciation or We may at Our option replace reinstate or repair the lost or damaged Baggage The maximum We will pay for the following items is a Up to the following amount for any article pair or set of articles Essential 200 Comprehensive 300 b Up to the following amount for all Valuables Essential 250 Comprehensive 350 For Comprehensive cover only 2 We will also pay You up to 100 for the emergency replacement of clothing medication and toiletries if the Baggage is temporarily lost in transit during the outward journey and not returned to You within 12 hours provided written confirmation is obtained and sent to Us from the carrier confirming the number of hours the Baggage was delayed If the loss is permanent the amount paid will be deducted from the final amount to be paid under this section Special conditions
62. of the loss theft or damage and obtain at Your own expense written confirmation If Ski Equipment is lost stolen or damaged whilst in the care of an airline You must a obtain a Property Irregularity Report from the airline b give formal written notice of the claim to the airline within the time limit contained in their conditions of carriage please retain a copy c retain all travel tickets and tags for submission if a claim is to be made under this policy 3 You must provide at Your own expense an original receipt or proof of ownership for items lost stolen or damaged to help You to substantiate Your claim Section 16 Hire of ski equipment What is not covered 1 Loss theft of or damage to Ski Equipment contained in or stolen from and Unattended vehicle a at any time between 9 p m abd 9 a m local time or b at any time between 9 a m and 9 p m local time unless it is i in the glove compartment or locked boot which is separate from the passenger compartment for those vehicles with a boot ii in the glove compartment or luggage compartment of a locked hatchback vehicle fitted with a lid closing off the luggage area or of a locked estate car with a fitted and engaged tray or roller blind cover behind the rear seats or iii in the fixed storage units of a locked motorised or towed caravan 2 Loss or damage due to delay confiscation or detention by customs or any other authority 3 Loss or damage caused by wear and
63. ompany authority hotel or Your accommodation provider You must report details of the loss theft or damage to them in writing and obtain written confirmation of the loss 4 If documents are lost stolen or damaged whilst in the care of an airline You must a give formal written notice of the claim to the airline within the time limit set out in their conditions of carriage please retain a copy b retain all travel tickets and tags for submission if a claim is to be made under this policy 5 You must provide at Your own expense an original receipt or proof of ownership for items lost stolen or damaged to help You to substantiate Your claim Section 7 Personal Liability Special Definitions relating to this section which are shown in bold italics Forcible and Violent Entry means entry that is evidenced by visible damage to the fabric of the building at the point of entry Insured Cause means fire lightning explosion thunderbolt earthquake riot civil commotion strikes labour disturbances or criminal persons theft by Forcible or Violent Entry only storm or flood escape of water from a fixed tank or pipe heating installation or any washing machine or dishwasher impact by road vehicles or animals subsidence or heave of the site on which the Risk Address stands or landslip aircraft and other aerial devices or articles dropped from them escape of oil from a fixed oil fired heating installation What is covered 1 We wi
64. only and not main purpose of Trip glacier walking go karting within organisers guidelines golf hiking horse riding wearing a helmet and excluding competitions racing jumping and hunting hot air ballooning organised pleasure rides only hydro zorbing indoor climbing on climbing wall jet boating no racing jet skiing no racing jogging kayaking up to grade 2 rivers netball octopush open water swimming professionally escorted tours only orienteering overlanding paint balling wearing eye protection pony trekking wearing a helmet quad biking wearing a helmet and not racing racket ball rambling rifle range shooting ringos roller skating and blading wearing pads amp helmets rounders rowing no racing running non competitive and not marathon of any kind safari trekking in a vehicle must be organised tour safari trekking on foot must be organised tour sailing Cif qualified or accompanied by a qualified person and no racing sandboarding sand dune surfing skiing sand yachting no racing scuba diving to max depth 18 metres below sea level only if qualified scuba diver and not diving alone or accompanied by qualified instructor shooting small bore target shooting within organisers guidelines skateboarding wearing pads amp helmets snorkelling softball squash students working as counsellors or university exchanges for practical course w
65. ork non manual superintendendence of manual work surfing swimming swimming with dolphins Sydney harbour bridge walk table tennis ten pin bowling tennis trampolining trekking up to 2 500 metres altitude tug of war volleyball wake boarding walking Introduction General Conditions Claims Conditions Important Conditions Relating to Health General Exclusions Sports and ctivities Covered Emergency and Medical Service Section1 Cancellation or Curtailment Section 2 Emergency Medical and Other Expenses Section 3 Hospital Benefit Section 4 Personal Accident Section 5 Baggage Section6 Personal Money Passport and Documents Section 7 Personal Liability Section 8 Delayed Departure Section 9 Missed Departure Section 10 Hijack and Hostage Section 11 Catastrophes and Natural Disasters Section 12 Air Rage Section 13 Incarceration Section 14 Overseas Legal Expenses and Assistance Section 15 Ski Equipment Section 16 Hire of Ski Equipment Section 17 Ski Pack Section 18 Piste Closure Section 19 Avalanche Cover Section 20 Course Fees Section 21 Specified Items Section 22 Computer Equipment and Computer Accessories Complaints Procedure Data Protection Act Sports and Activities Covered continued war games wearing eye protection water polo water skiing whale watching wind surfing yachting Cif qualified or accompan
66. oucestershire GL51 4UE A Member of the Z Zurich Insurance Group Ev9g 1015 19 Introduction General Conditions Claims Conditions Important Conditions Relating to Health General Exclusions Sports and ctivities Covered Emergency and Medical Service Section1 Cancellation or Curtailment Section 2 Emergency Medical and Other Expenses Section 3 Hospital Benefit Section 4 Personal Accident Section 5 Baggage Section6 Personal Money Passport and Documents Section 7 Personal Liability Section 8 Delayed Departure Section 9 Missed Departure Section 10 Hijack and Hostage Section 11 Catastrophes and Natural Disasters Section 12 Air Rage Section 13 Incarceration Section 14 Overseas Legal Expenses and Assistance Section 15 Ski Equipment Section 16 Hire of Ski Equipment Section 17 Ski Pack Section 18 Piste Closure Section 19 Avalanche Cover Section 20 Course Fees Section 21 Specified Items Section 22 Computer Equipment and Computer Accessories Complaints Procedure Data Protection Act
67. pecified Items Only operative if indicated in the Statement of Insurance Special Definitions relating to this section which are shown in bold italics Specified ltems means jewellery gold silver precious metal or precious or semiprecious stone articles watches furs cameras camcorders photographic audio video computer television and telecommunications equipment including CD s DVD s tapes films cassettes cartridges and headphones computer games and associated equipment telescopes binoculars sunglasses musical instruments sports equipment and tools What is covered We will pay You up to 2 000 for accidental loss of theft of or damage to any Specified Items listed on Your Statement of Insurance under this section of cover up to the value stated against the item concerned The maximum We will pay for any one article pair or set of articles is 1 000 The amount payable will be the value at today s prices less a deduction for wear tear and depreciation or We may at Our option replace reinstate or repair the lost or damaged Specified Items Special conditions relating to claims What is not covered 1 The first 100 of each and every claim per incident claimed for under this section by each Insured Person 2 Any item not listed on Your Statement of Insurance 3 Loss theft of or damage to Specified Items left Unattended at any time including in a vehicle or in the custody of carriers unless
68. pt any such offer without Our consent 4 We will decide the point at which Your legal case cannot usefully be pursued further After that no further claims can be made against Us in relation to this case 5 We may include a claim for Our legal costs and other related expenses 6 We may at Our own expense take proceedings in Your name to recover compensation from any third party in respect of any indemnity paid under this policy You must give such assistance as We shall reasonably require and any amount recovered shall belong to Us Section 15 16 17 18 and 19 Winter Sports Only operative if indicated in the Statement of Insurance THE ABOVE SECTION ONLY APPLY IF THE APPROPRIATE WINTER SPORTS EXTENSION HAS BEEN CHOSEN AND THE APPROPRIATE ADDITIONAL PREMIUM HAS BEEN PAID Section 15 Ski Equipment What is covered We will pay You up to 750 for the accidental loss of theft of or damage to Your own Ski Equipment or up to 250 for hired Ski Equipment The amount payable will be the value at today s prices less a deduction for wear tear and depreciation loss of value calculated from the table below or We may at Our option replace reinstate or repair the lost or damaged Ski Equipment The maximum We will pay for any one article pair or set of articles is the amount payable calculated in the table below or 250 whichever is less Age of ski equipment Amount payable 90 of value 70 of value 50 of valu
69. r therapy which at the time of departure is known to be required or to be continued outside Your Home Area g Additional costs arising from single or private room accommodation h Treatment or services provided by a health spa convalescent or nursing home or any rehabilitation centre unless agreed by the Emergency Assistance Service i Any expenses incurred after You have returned to Your Home Area j Any expenses incurred in England Scotland Wales or Northern Ireland the Isle of Man or the Channel Islands which are i for private treatment or ii are funded by or are recoverable from the Health Authority in Your Home Area iii are funded by a reciprocal health agreement RHA between these countries and and or Islands k Expenses incurred as a result of a tropical disease where You have not had the recommended inoculations and or taken the recommended medication 1 Your decision not to be repatriated after the date when in the opinion of the Emergency Assistance Service it is safe to do so m Normal pregnancy without any accompanying Bodily Injury illness disease or complication This section is designed to provide cover for unforeseen events accidents illnesses and diseases and normal childbirth would not constitute an unforeseen event 3 Anything mentioned in the general exclusions on page 4 You should also refer to the important conditions relating to health on page 3 1 You or someone on Your behalf must g
70. ran sailing if qualified or accompanied by a qualified person and no racing clay pigeon shooting climbing on climbing wall only cricket croquet curling cycling wearing a helmet no mountain biking and no racing 14 You World Health Organisation has advised the public not to travel a jumping or diving from piers walls or rocks including tombstoning and shore diving b climbing on top of or jumping from a vehicle c jumping from a building or balcony d climbing or moving from any external part of any building to another part apart from stairs and falling regardless of the height unless Your life is in danger or You are attempting to save human life Sports and Activities Covered The following lists detail the sports and activities that this policy will cover If You are participating in any other sports or activities not mentioned please telephone Our customer helpline on O800 923 4050 or 01242217478 as We may be able to offer cover for an additional premium Details of those sports and activities for which You have purchased cover will be added toYour Statement deep sea fishing dinghy sailing no racing driving any motorised vehicle for which You are licensed to drive in the United Kingdom other than in motor rallies or competitions elephant riding fell walking running fencing fishing flying as a fare paying passenger in a fully licensed passenger carrying aircraft football amateur
71. rcumstances known to You prior to the date this insurance Section 4 as a result of any of the following events occurring is purchased by You or the time of booking any Trip which could Personal 1 The death Bodily Injury or illness or complications arising as a reasonably have been expected to give rise to cancellation or SECtiOnis direct result of pregnancy of Curtailment of the Trip a You c Cancellation of Your study course by the College University Gain b any person with whom You are travelling or have arranged to authorities prior to the date this insurance is purchased by You Personal Money travel with d Normal pregnancy without accompanying Bodily Injury Passport and c any person with whom You have arranged to reside illness disease or complication This section is designed to Documents temporarily provide cover for unforeseen events accidents illnesses Section d Your Close Relative and diseases and normal childbirth would not constitute an Liability e Your Close Business Associate unforeseen event 2 Compulsory quarantine jury service attendance or being called 4 Travel tickets paid for using any airline mileage reward scheme Section g as a witness at a Court of Law of You or any person with whom for example Air Miles Departure You are travelling or have arranged to travel with 5 Anything mentioned in the general exclusions on page 4 Redundancy which qualifies for payment under current United Kingdom redundancy paym
72. relating to claims What is not covered 1 The first 100 of each and every claim per incident claimed for under this section by each Insured Person except claims under subsection 2 of What is covered 2 Loss theft of or damage to Valuables left Unattended at any time including in a vehicle in checked in luggage or while in the custody of a carrier tour operator or Public Transport operator unless deposited in a hotel safe safety deposit box or left in Your locked accommodation 3 Loss theft of or damage to Baggage contained in an Unattended vehicle a overnight between 9 p m and 9 a m local time or b at any time between 9 a m and 9 p m local time unless it is i in the glove compartment or locked boot which is separate from the passenger compartment for those vehicles with a boot of a locked vehicle or ii in the glove compartment or luggage compartment of a locked hatchback vehicle fitted with a lid closing off the luggage area or of a locked estate car with a fitted and engaged tray or roller blind cover behind the rear seats or iii in the fixed storage units of a locked motorised or towed caravan 4 Loss or damage due to delay confiscation or detention by customs or any other authority 5 Any loss theft of or damage to unset precious stones contact or corneal lenses hearing aids dental or medical fittings antiques musical instruments documents of any kind bonds securities perishable goods bi
73. t claimed for under this section by each Insured Person except claims under subsection 1 6 and section 3 of what is covered 2 Loss theft of or damage to Personal Money or Your passport or visa left Unattended at any time including in a vehicle in checked in luggage or while in the custody of a carrier tour operator or Public Transport operator unless deposited in a hotel safe safety deposit box or left in Your locked accommodation 3 Loss theft of or damage to travellers cheques if You have not complied with the issuers conditions or where the issuer provides a replacement service 4 Loss or damage due to delay confiscation or detention by customs or other authority 5 Loss or damage due to depreciation in value variations in exchange rates or shortages due to error or omission 6 Anything mentioned in the general exclusions on page 4 1 You must report to the local Police in the country where the incident occurred within 24 hours of discovery or as soon as possible after that and obtain at Your own expense a written report of the loss theft or attempted theft of all Personal Money passport or documents 2 If Personal Money or passports are lost stolen or damaged while in the care of a hotel or Your accommodation provider You must report detail of the loss theft or damage to them in writing and obtain written confirmation of the loss 3 If documents are lost stolen or damaged in the care of a carrier transport c
74. tear depreciation deterioration atmospheric or climatic conditions moth vermin any process of cleaning repairing or restoring mechanical or electrical breakdown 4 Anything mentioned in the general exclusions on page 4 What is covered We will pay You up to 30 per day up to a maximum of Essential 200 Comprehensive 300 for the reasonable cost of hiring replacement Ski Equipment as a result of the accidental loss of theft of damage to or temporary loss in transit for more than 24 hours of Your own Ski Equipment Special conditions relating to claims 1 You must report to the local Police in the country where the incident occurred within 24 hours of discovery or as soon as possible after that and obtain a written report at Your own expense of the loss theft or attempted theft of all Ski Equipment 2 If Ski Equipment is lost stolen or damaged while in the care of a carrier transport company authority hotel or Your accommodation provider You must report to them in writing details of the loss theft or damage and obtain at Your own expense written confirmation If Ski Equipment is lost stolen or damaged whilst in the care of an airline You must a obtain a Property Irregularity Report from the airline b give formal written notice of the claim to the airline within the time limit contained in their conditions of carriage please retain a copy c retain all travel tickets and tags for submission if a claim is to be ma
75. th of a Close Relative at Home Private medical treatment is not covered unless authorised specifically by the Emergency Assistance Service Payment for medical treatment abroad If You are admitted to a hospital clinic while abroad the Emergency Assistance Service will arrange for medical expenses covered by the policy to be paid direct to the hospital clinic To take advantage of this benefit someone must contact the Emergency Assistance Service for You as soon as possible For simple out patient treatment You should pay the hospital clinic yourself and claim back medical expenses from Us on Your return to Your Home Area Beware of requests for You to sign for excessive treatment or charges If in doubt regarding any such requests please call the Emergency Assistance Service for guidance Reciprocal health agreements EU EEA or Switzerland If You are travelling to countries within the European Union EU the European Economic Area EEA or Switzerland You are strongly advised to obtain a European Health Insurance Card EHIC You can apply for an EHIC either on line at www ehic org uk or by telephoning 0300 3301 350 This will entitle You to benefit from the health care arrangements which exist between countries within the EU EEA or Switzerland In the event of liability being accepted for a medical expense which has been reduced by the use of either a European Health Insurance Card or private health insurance We will not apply th
76. ticles watches furs cameras camcorders portable satellite navigation systems photographic audio video computer television and telecommunications equipment including but not limited to mobile phones MP3 or 4 players tablets ebooks CDs DVDs tapes films cassettes cartridges and headphones computer game and associated equipment telescopes and binoculars General Conditions Applicable to the Whole Policy To benefit from the full protection of Your policy You must comply with the following conditions If You do not comply We may cancel the policy or refuse to deal with Your claim or reduce the amount of any claim payment 1 Dual insurance If at the time of any incident which results in a claim under this policy there is another insurance covering the same loss damage expense or liability We will not pay more than Our proportional share not applicable to section 4 Personal accident 2 Reasonable precautions You must take and cause to be taken all reasonable precautions to avoid injury illness disease loss theft or damage and also take all practicable steps to safeguard Your property from loss or damage and to recover property lost or stolen 3 Cancellation 14 Day Cooling Off Period You may cancel this policy and all associated cover sections within 14 days starting from the day You receive Your policy documents the Cancellation Period by writing to the address shown in Your Statement of Insurance during the
77. tion 10 Loss or damage caused by wear and tear depreciation deterioration atmospheric or climatic conditions moth vermin any process of cleaning repairing or restoring mechanical or electrical breakdown 11 Anything mentioned in the general exclusions on page 4 1 You must report to the local Police within 24 hours of discovery and obtain a written report of the loss theft or attempted theft of all Computer Equipment Computer Accessories 2 You must provide an original receipt or proof of ownership for items lost stolen or damaged to help You substantiate Your claim How to Make a Complaint We aim to provide the highest standard or service to every customer and pay claims fairly and promptly under the terms of Your Travel Insurance Policy If Our service does not meet Your expectations We want to hear about it so We can try to put things right All complaints We receive are taken seriously The following will help Us understand Your concerns and give You a fair response Making your complaint If You are unhappy with any aspect of Our service please contact in the first instance the person who originally dealt with Your enquiry Alternatively You can contact Endsleigh Insurance Services Limited or AXA Insurance UK plc as below Endsleigh Contact Details Customer Liaison Department Endsleigh Insurance Services Limited Shurdington Road Cheltenham Gloucestershire GL51 4UE Tel O800 085 8698 AXA Contact Details
78. tion 1 Cancellation or Curtailment Section 2 Emergency Medical and Other Expenses Section 3 Hospital Benefit Section 4 Personal Accident Section 5 Baggage Section6 Personal Money Passport and Documents Section 7 Personal Liability Section 8 Delayed Departure Section 9 Missed Departure Section 10 Hijack and Hostage Section 11 Catastrophes and Natural Disasters Section 12 Air Rage Section 13 Incarceration Section 14 Overseas Legal Expenses and Assistance Section 15 Ski Equipment Section 16 Hire of Ski Equipment Section 17 Ski Pack Section 18 Piste Closure Section 19 Avalanche Cover Section 20 Course Fees Section 21 Specified Items Section 22 Computer Equipment and Computer Accessories Complaints Procedure Data Protection Act Section 14 Overseas Legal Expenses and Assistance What is covered We will pay up to the following amount Essential 10 000 Comprehensive 50 000 for legal costs to pursue a civil action for compensation if someone else causes You Bodily Injury illness or death Special conditions relating to claims What is not covered We shall not be liable for 1 Any claim where in Our opinion there is insufficient prospect of success in obtaining reasonable compensation 2 Legal costs and expenses incurred in pursuit of any claim against a travel agent tour operator carrier Us Emergency Assistance Service or their agents so
79. tion by each Insured Person under sections 2a 2b and 2c 2 Compensation or legal costs arising directly or indirectly from a Liability which has been assumed by You under agreement unless the liability would have attached in the absence of such agreement b Pursuit of any business trade profession or occupation or the supply of goods or services c Ownership possession or use of vehicles aircraft or watercraft other than surfboards or manually propelled rowboats punts canoes d The transmission of any communicable disease or virus e Ownership or occupation of land or buildings other than occupation only of i any temporary holiday accommodation ii the Risk Address where We will pay for the first 100 of each and every claim arising from the same incident f Under section 2c i loss of money in metres or telephones ii liability for mobile telephones their accessories or related costs g Under section 2d i loss unless You are named as the party responsible for the rented goods on the tenancy agreement with the company concerned ii any claim for household goods not stated on an inventory for the Risk Address 10 Introduction General Conditions Claims Conditions Important Conditions Relating to Health General Exclusions Sports and ctivities Covered Emergency and Medical Service Section 1 Cancellation or Curtailment Section 2 Emergency Medical and Other Expenses Section
80. tions Relating to Health General Exclusions Sports and ctivities Covered Emergency and Medical Service Section 1 Cancellation or Curtailment Section 2 Emergency Medical and Other Expenses Section 3 Hospital Benefit Section 4 Personal Accident Section 5 Baggage Section6 Personal Money Passport and Documents Section 7 Personal Liability Section 8 Delayed Departure Section 9 Missed Departure Section 10 Hijack and Hostage Section 11 Catastrophes and Natural Disasters Section 12 Air Rage Section 13 Incarceration Section 14 Overseas Legal Expenses and Assistance Section 15 Ski Equipment Section 16 Hire of Ski Equipment Section 17 Ski Pack Section 18 Piste Closure Section 19 Avalanche Cover Section 20 Course Fees Section 21 Specified Items Section 22 Computer Equipment and Computer Accessories Complaints Procedure Data Protection Act Section 15 Ski Equipment continued Special conditions relating to claims 1 You must report to the local Police in the country where the incident occurred within 24 hours of discovery or as soon as possible after that and obtain a written report at Your own expense of the loss theft or attempted theft of all Ski Equipment 2 If Ski Equipment is lost stolen or damaged while in the care of a carrier transport company authority hotel or Your accommodation provider You must report to them in writing details
81. velling or What is not covered 1 The first 100 of each and every claim per incident claimed for under this section by each Insured Person 2 Claims arising directly or indirectly from a Strike or industrial action existing or declared publicly by the date You purchased this insurance or at the time of booking any Trip b An accident to or breakdown of the vehicle in which You are travelling for which a professional repairers report or other evidence is not provided c Breakdown of any vehicle in which You are travelling if the vehicle is owned by You and has not been serviced properly and 11 Introduction Definitions General Conditions Claims Conditions Important Conditions Relating to Health General Exclusions Sports and ctivities Covered Emergency and Medical Service Section 1 Cancellation or Curtailment Charges Section 2 Emergency Medical and Other Expenses Section 3 Hospital Benefit Section 4 Personal Accident Section 5 Baggage Section6 Personal Money Passport and Documents Section 7 Personal Liability Section 8 Delayed Departure Section 9 Missed Departure Section 10 Hijack and Hostage Section 11 Catastrophes and Natural Disasters Section 12 Air Rage Section 13 Incarceration Section 14 Overseas Legal Expenses and Assistance Section 15 Ski Equipment Section 16 Hire of Ski Equipment Section 17 Ski Pack Section 18 Piste Closure

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