Designed for Winter Sports
Upgrade for Higher Risk sports
Helicopter Rescue if needed
Instant Cover note by email

Bronze Ski policy

Keypoints

• Max age 80 on the date of departure on single trip ski insurance policies.
• Max age of 70 on policy start date on annual multi trip ski insurance policies.
• Family ski insurance covers all dependent children aged 17 or less who are in full time education.
• Max trip duration 31 days on annual multi trip ski insurance. Options to increase to 45 days per trip cover.
• 24 days wintersports coverage included on annual multitrip ski policies.
• Ski holiday insurance only available to UK, Channel Islands or Isle of Man residents.
•All prices shown include 20% Insurance Premium Tax which is payable to the Government on any travel insurance sales.

Activities

This ski insurance will cover you when you are engaging in the following sports and activities on a non-professional basis during your trip unless otherwise stated:

Abseiling, Aerobics, Amateur Athletic Field Events, Amateur Athletic Track Events, Angling, Animal Sanctuary/Refuge Work, Archery, Athletics, Badminton, Ballooning - Hot Air, Bamboo Rafting, Banana Boating, Bar Work, Baseball, Basketball, Beach Games, Biathlon, Billiards, Bird Watching, Body Boarding, Bowling, Bowls, Boxing Training, Bridge, Bridge Swinging, Bungee Jumping, Camel/Elephant Riding/Trekking, Camping, Canoeing, Canoeing (excluding white water), Caravanning, Catamaran Sailing (In-shore), Chess, Clay Pigeon Shooting, Climbing, Cricket, Croquet, Curling, Cycle Touring, Cycling, Dancing, Darts, Deep Sea Fishing, Diving, Driving Any Motorised Vehicle, Elephant Trekking (UK-Booked), Expeditions, Fell Running, Fell Walking, Fencing, Fishing, Fives, Flag football, Flying as passenger (private/small aircraft), Flying ex crew/pilot, Football, Football - Beach Kick Around, Fresh Water/Sea Fishing, Frisbee, Fruit or Vegetable Picking, Glass Bottom Boats, Gliding (learning non competition), Golf, Gorilla Trekking, Gymnastics, Highland games, Hiking/Trekking/Walking, Hill Walking up to 2000m, Historical Research, Horse Riding, Hot Air Ballooning, Indoor Skating, Jet Boating, Jet Skiing, Jet Skiing (non incidental), Jogging, Kayaking (up to grade 2 rivers only), Keepfit, Kiting, Korfball, Low Ropes, Manual Labour, Marathons, Model Flying, Motorcycling with appropriate UK licence, Mountain Biking, Netball, Orienteering, Overland Trips, Petanque, Pigeon racing, Pony Trekking, Pool, Power lifting, Quoits, Rackets, Rafting, Rambling, Rambling under 1,000m, Rap Running/Jumping, Raquet Ball, Re-Enactment, Restaurant Work, Rifle Range, Ringos, River Walking , Rock Scrambling (under 4,000m), Rounders, Rowing, Running, Sprint/Long Distance, Safari (UK Organised), Safari Trekking, Sail Boarding, Sailing, Sailing/Yachting inshore (recreational), Scuba Diving to 18m, Scuba Diving to 30m, Scuba Diving to 9m, Sea Fishing, Shinty, Shooting, Shooting (target range-not hunting), Small Bore Target Shooting, Snooker, Snorkelling, Softball, Squash (amateur), Surfing (amateur), Swim Trekking , Swimming, Swimming with Dolphins, Sydney Harbour Bridge, Table Tennis, Team Games, Ten Pin Bowling, Tennis, Trekking 1000m, Triathlon, Tubing, Tug of War, Volleyball, Walking, Water Skiing (amateur), Weight Lifting, Whale Watching, White Water Rafting + Canoeing (grade 1 to 3), Windsurfing, Working, Yachting (inland and coastal waters), Yoga.

This policy will also cover you for the following Winter Sports activities where the necessary additional Winter Sports premium has been paid and Winter Sports cover is shown on your Policy Certificate:

Big Foot Skiing, Cat Skiing, Cross Country, Skiing, Glacier Walking, Hockey (Ice) With Full Body, Husky Dog Sledding, Ice Skating, Kick Sledging, Mono Skiing, Off-piste skiing Passenger Sledge, Ski Boarding, Ski Dooing, Ski-doos, Skiing, Skiing - Cat Skiing - Cross Country, Skiing - Mono, Skiing- Nordic, Sledging, Sleigh riding (reindeer, horses or dogs), Snow Biking, Snow Blading, Snow Bobbing, Snow Mobile/Ski Doos, Snow Mobiling, Snow Parascending, Snow Scooting, Snow Shoe Walking, Snow Tubing, Snowboarding, Snowcat Driving, Speed Skating, Telemarking, Toboganning/Sledging.

Policy terms and conditions

Single and Annual Multi Trip

Pre-Travel and Travel Policies

Master Policy Number: _{RTURI40035 -04 A&B}

This cover is for residents of the United Kingdom and the Channel Islands only

For policies issued from 1^st June 2013 to 31 ^st May 2014 with travel before 31^st May 2015

Your Important Information

If you need emergency medical assistance abroad or need to cut short your trip:

Contact Emergency Assistance Facilities 24hour Emergency advice line on:

+44 (0) 845 260 3260 or +44 (0) 1732 85 33 33

If you need a claim form

You can download the relevant form at: www.travel-claims.net

Or contact Travel Claims Facilities on:

0845 3707 133

If you need legal Advice:

Contact Pannone LLP on:

+44 (0) 161 228 3851

Underwritten by Travel Insurance Facilities and Insured by Union Reiseversicherung AG, UK Branch

Section

Benefit

Gold

Silver

Bronze

up to

Excess

up to

Excess

up to

Excess

PRE- TRAVELPOLICY

Cancellation Cover

£5,000

£50

£1,500

£75

£500

£100

Scheduled Airline Failure

£1,500

No cover

Nil

No cover

Nil

TRAVEL POLICY

Departure Delay

£35 per 12 hours

nil

£25 per 12 hours

nil

£20 per 12 hours

nil

delay up to a

maximum of £210

maximum of £150

maximum of £100

Missed Departure

£1,000

nil

£600

nil

£300

nil

Missed Connection

£1,000

nil

£600

nil

£300

nil

Abandonment

£5,000

£50

£1,500

£75

£500

£100

Personal Possessions

£2,000

£50

£1,500

£75

no cover

nil

Valuable limit

£500

£50

£400

£75

no cover

nil

Single Article limit

£300

£50

£200

£75

no cover

nil

Possessions delayed over 12

hours

£150

nil

£100

nil

£75

nil

Personal Money

£500

£50

£300

£75

no cover

nil

Cash limit

£250

£50

£150

£75

no cover

nil

Travel Documents

£350

nil

£250

nil

£150

nil

Emergency Medical

£10,000,000

£50

£5,000,000

£75

£2,000,000

£100

Expenses

State hospital benefit per day

£50

nil

£25

nil

£15

nil

State hospital benefit in total

£1,500

nil

£1,000

nil

£500

nil

Curtailment

£5,000

£50

£1,500

£75

£500

£100

Personal Liability

£2,000,000

£50

£2,000,000

£75

£1,000,000

£100

Personal Accident

* Death Limit

£25,000

nil

£15,000

nil

£10,000

nil

**Permanent loss of sight or limb

£25,000

nil

£15,000

nil

£10,000

nil

**Permanent total disablement

£25,000

nil

£15,000

nil

£10,000

nil

* payment reduced if aged under 16 or over 75

£3,500

nil

£2,500

nil

£1,000

nil

** No payment if aged under 16 or over 75

Legal Advice and Expenses

£25,000

nil

£15,000

nil

£10,000

nil

Catastrophe

£1,000

nil

no cover

nil

no cover

nil

B10

Hijack Cover

£1,000

nil

no cover

nil

no cover

nil

B11

Mugging

£1,000

nil

no cover

nil

no cover

nil

ADDITIONAL COVER AVAILABLE (upon payment of premium)

B12

Golf Extension

Your golf equipment

£1,500

£50

£1,500

£50

no cover

nil

Hired golf equipment

£200

£50

£200

£50

no cover

nil

Single Article limit

£500

£50

£500

£50

no cover

nil

Delayed golf equipment

£50 per

nil

£50 per

nil

no cover

nil

12 hours up to a

maximum of £400

Loss of green fees

£100 per day up

nil

£100 per day up

nil

no cover

nil

to a maximum of

to a maximum

£400

of £400

Hole in one

£100

nil

£100

nil

no cover

nil

B13	Business Extension
	Business Effects	£500	£50	no cover	nil	no cover	nil
	Delayed Business Effects	£100	nil	no cover	nil	no cover	nil
	Delayed Business Effects	compensation
		compensation
	Business Samples	£350	£50	no cover	nil	no cover	nil
		£500 for	nil	no cover	nil	no cover	nil
	Delayed Business Samples	transportation
	Delayed Business Samples	costs after
		costs after
		12hours
	Replacement Business Effects	£150 per day	nil	no cover	nil	no cover	nil
	Business money	£500	£50	no cover	nil	no cover	nil
	Replacement business
	associate	£1,500	nil	no cover	nil	no cover	nil

B14

Timeshare Extension

Unused/cancellation

£1,500

£50

£750

£50

no cover

nil

of time share property

B15

Winter Sports Extension

Your Ski equipment

£400

£50

£400

£50

£400

£50

Hired Ski equipment

£200

£50

£200

£50

£200

£50

Delayed ski equipment total

£300

£50

£300

£50

£300

£50

Ski Pack

£300

£50

£300

£50

£300

£50

Avalanche

£25 per day up

£25 per day up to

£25 per day up to a

to a maximum

nil

a maximum of

nil

maximum of £250

of £250

£250

£20 per day up

£20 per day up to

£20 per day up to a

Piste Closure

to a maximum

nil

a maximum of

nil

maximum of £200

of £200

£200

PRE TRAVEL POLICY

Note 1. Your policy does not provide cover for re-occurring or pre-existing medical conditions. If you haveever had a heart related problem, a stroke, cancer, any breathing problems, diabetes or had any other medical condition which has been treated in a hospital or has been referred to a specialist in the last 2 years you should phone Travellers HealthCheck on 08452 307 624 to see if cover is available. Travellers HealthCheck will confirm any special terms in writing.

TRAVEL POLICY

Note 2. Your policy does not provide cover for re-occurring or pre-existing medical conditions. You must also tell us if your health or medication changes between buying this policy and travelling and if you have ever had a heart related problem, a stroke, cancer, any breathing problems, diabetes or had any other medical condition which has been treated in hospital or has been referred to a specialist in the last 2 years you should phone Travellers HealthCheck on 08452 307 624 to see if cover is available. Travellers HealthCheck will confirm any special terms in writing.

Note 3. Cover for accidental death is reduced to £1,000 if you are under 16 or over 75 The benefit for inability to work does not apply if you are over 75.

IF YOU NEED ASSISTANCE ABROAD:

Contact Emergency Assistance Facilities 24 Hour Emergency Assistance on +44 (0) 845 260 3 260 or +44 (0) 1732 85 33 33

IF YOU NEED LEGAL ADVICE:

Contact Pannone LLP on 0161 228 3851

WHERE TO OBTAIN A CLAIM FORM:

Contact Travel Claims Facilities on 0845 3707 133 or from the internet on: www.travelclaimsfacilities.co.uk

POLICY INFORMATION

Your insurance is covered under master policy numbers RTURI40035 - 04 A & B specially arranged through Covered2go travel insurance and insured by Union Reiseversicherung AG. Cover is provided for each passenger who is shown as having paid the insurance premiums and whose name is shown on the insurance certificate issued by Covered2go travel insurance and administered by Rush Insurance Services Limited, an appointed representative of ITC Compliance, who are authorised and regulated by the Financial Services Authority. This insurance wording is a copy of the master policies and is subject to the terms, conditions and exclusions of the master policies. Your single trip policy will only cover persons aged 80 or under and Your Annual Multi Trip policy will only cover persons aged 70 or under travelling on trips of 31 days or less, where you hold a return ticket within that period travel. Your Annual Multi Trip policy only covers trips of 31 days or less outside your home country and trips within your home country of a minimum of 3 days, unless the applicable premium has been paid to include trips up to 45 days or up to 60 days. Cover is only provided for children of the principal policyholder aged under 18 residing at home when they accompany the principal policyholder and/or his/her spouse. No independent travel of your children is covered. No refund of the insurance premium will be given after the policies have been issued unless, after receipt, you find that the terms, conditions and exclusions do not meet your requirements and an alternative is available. In this case you must return the policy, insurance certificate with your alternative insurance policy to the place where you purchased it within 14 days of purchase for a refund to be considered. Your policies do not provide cover on any claim that is due to a pre-existing medical condition of a close relative or close business associate. There is no cover for cruises under Bronze or Silver cover.

OUR PLEDGE TO YOU

It is our aim to give a high standard of service and to meet any claims covered by these policies honestly, fairly and promptly. We occasionally get complaints and these are usually through a misunderstanding or insufficient information. Any complaint will be investigated at once and the matter resolved as quickly as possible.

Policy A – Pre-Travel Policy

HOW YOUR PRE-TRAVEL POLICY WORKS

This part of your insurance document shows details of the pre-travel insurance policy, the sections of cover, limits, conditions, exclusions, and information on what to do if you need to claim. It is essential that you read it. The policy is a contract between us and you. We will pay for any event, as set out in the policy that happens during the period from purchase of the policy and time of booking to date of travel for which you have paid the appropriate premium. All numbers and letters shown under ‘For each insured-person this insurance will not cover:’ refer to the same numbers and letters under ‘For each insured-person this insurance will pay:’ Where no letters or numbers are shown it applies to the whole section. If you are a person buying insurance wholly or mainly for personal purposes unrelated to your employment, you have a duty to take reasonable care to answer questions fully and accurately, and that any information you volunteer is not misleading. This duty exists before the cover is placed, when renewed, or altered at any time throughout the duration of the policy. If you do not do so, your Insurer may be able to void your policy from inception. An example of this could be the medical history of a close relative or other person that may cause you to cancel or cut short your trip. If you are unsure whether or not information is relevant please do not hesitate to call us on 08452 307 624

WHEN YOUR PRE-TRAVEL POLICY STARTS AND ENDS

The cover on cancellation, as described under section A under the pre-travel policy, starts from the commencement date of cover shown on your insurance certificate, after the policy was issued and ends when you leave home to start each trip. Further trips of up to 31 days will be covered on Annual multi trip policies, unless the applicable premium has been paid to include trips up to 45 days or up to 60 days in duration.

CHANGE IN MEDICAL CONDITION OR ONGOING MEDICATION

If your health or your ongoing medication changes between the date the policy was bought and the date of travel you must advise Travellers HealthCheck on 08 451 300 340 as soon as possible. We will advise you what cover we are able to provide after the date of diagnosis. We reserve the right to increase the premium, increase the excess, exclude the condition or withdraw the cover should the stability of the condition make it necessary.

DEFINITION OF WORDS APPLICABLE TO YOUR PRE-TRAVEL POLICY

Listed below are certain words that appear throughout the policy. These will always be shown in bold type and in all cases will have the meanings shown below.

Insured-person/you/your - means any person named on the insurance certificate.

Principal policyholder - means the first named insured-person.

We/our/us - means Union Reiseversicherung AG.

Pre-existing medical condition - means any serious or recurring medical condition which has been previously diagnosed, investigated or treated in any way, at any time prior to travel, even if this condition is currently considered to be stable and under control.

Cruise - a pleasure voyage of more than 72 hours duration, sailing on sea/s or oceans and includes stops at various ports

Resident - means a person who has had their main home in the United Kingdom or the Channel Islands and has not spent more than six months abroad in the year before buying this policy.

Close relative - means spouse or partner of over six months, parents, grandparents, legal guardians, parents-in-law, step-parents, aunt, uncle, brother, sister, child, grandchild or fiancé(e).

Business associate - means a business partner, director or employee of yours who has a close working relationship with you. Home - means one of your normal places of residence in the United Kingdom or the Channel Islands.

Trip - means a holiday or journey that begins when you leave home and ends on your return to either (i) your home, or (ii) a hospital or nursing home in your home country following your repatriation, both during the period of cover.

Flight - means a service using the same airline or airline flight number.5

Hazardous activity - Please see the list of hazardous activities at the rear of this document that are covered for free under this insurance. For those activities which are not free but for which cover is available subject to paying the additional premium for the Hazardous activities extension please refer to page 24.

Manual labour - means work involving the lifting or carrying of heavy items in excess of 25kg, work at a higher level than two storeys or any form of work underground.

United Kingdom - means England, Wales, Scotland, Northern Ireland and the Isle of Man.

Channel Islands - means Jersey, Guernsey, Alderney, Sark , Herm, Jethou, Brecqhou and Lihou

Home country - means both the country you live in within the United Kingdom or the Channel Islands and your country of nationality.

Redundancy - means being an employee where you qualify under the provision of the Employment Rights Act 1996, and who, at the date of termination of employment by reason of redundancy, has been continuously employed for a period of two years or longer and is not on a short term fixed contract.

GEOGRAPHICAL AREAS

Area 1 - United Kingdom, where it is your home country.

Area 2 - Europe, United Kingdom, Continental Europe, Mediterranean Islands, the Channel Islands, Morocco, Algeria, Tunisia, Libya, Egypt, Israel, Lebanon, Jordan, Syria, Turkey, Madeira, Canary Islands, the Azores, the Republic of Ireland, Iceland, Russia, Estonia, Latvia, Lithuania, Belarus, Ukraine, Moldova and Georgia.

Area 3 - Australia and New Zealand

Area 4 – Worldwide excluding the United States of America, Canada and the Caribbean.

Area 5 – Worldwide including the United States of America, Canada and the Caribbean.

CONDITIONS APPLICABLE TO YOUR PRE-TRAVEL POLICY

At all times we will act in good faith in our dealings with you. The payments for all claims following events that occur in your selected geographical area during the period of cover are dependent on you:

1. OBSERVING THE FOLLOWING:

(a) being a resident of the United Kingdom and the Channel Islands.

(b) taking all possible care to safeguard against accident or injury as if you had no insurance cover.

(d) giving us full details in writing of any incident that may result in a claim under any section of the policy at the earliest possible time.

(e) providing all necessary information and assistance we may require at your own expense (including where necessary medical certification and details of your National Health number or equivalent and private health insurance).

(f) accepting that no alterations and/or additions to the printed terms and conditions of your policy be valid unless initialled by us.

(g) checking with your doctor on the advisability of making the trip if you have any existing medical condition, taking into account your chosen destination, the climatic conditions, the stability of your condition, the effect of any additional drugs or vaccines necessary and the standard of the medical services available. Cover will not be given if travel is against the advice of your doctor.

(h) not travelling specifically to receive medical treatment during your trip or in the knowledge that you are likely to need treatment.

(i) not requiring insurance for any stress related condition, anxiety, depression, eating disorders or mental instability.

(j) not requiring insurance for any medical condition where a terminal prognosis has been given by a registered doctor before buying this policy.

(k) not requiring insurance for any medical condition that is being investigated or for which you are awaiting or receiving treatment in hospital at the time of buying this policy.

(l) disclosing all relevant information as soon as possible after the policy is issued.

(m) ensuring that all claims are notified within 3 months of the incident occurring.

2. RECOGNISING OUR RIGHTS TO:

(a) make your policy void where a false declaration is made or any claim is found to be fraudulent.

(b) subrogate against the responsible party and take proceedings in your name but at our expense to recover for our benefit the amount of any payment made under the policy.

(c) give 7 days notice of cancellation of this policy by recorded delivery to you at your last known address. In this case we will refund to you the pro-rata proportion of any unexpired premium you have paid.

(d) obtain information from your medical records (with your permission) for the purpose of dealing with any claims. No personal information will be disclosed to any outside person or organisation without your prior approval.

(e) not to refund the policy premium after the policy has been issued, unless after receipt of the document you find that the terms and conditions do not meet your requirements, in which case the policy, insurance certificate and any other relevant documents must be returned to the point of sale within 14 days of purchase for any refund to be considered.

(f) only pay a proportionate amount of the claim where there is other insurance in force covering the same risk and to require details of such other insurance.

(g) settle all claims under the law of the country that you live in within the United Kingdom and the Channel Islands unless we agree otherwise with you.

(h) maintain your personal details in connection with an anti-fraud claims checking system.

(I) to pay a proportionate cost of any claim for your trip where you have not insured for the full cost.

Policy excesses - in respect of sections A1, Cancellation.

An excess is the amount you have to pay towards each claim.

Each section of the policy listed carries an excess. All excesses shown for this policy are payable by eachinsured-person, for each incident giving rise to a separate claim. the policy excess under section A1 may be increased to include pre-existing medical conditions confirmed in writing by Travellers HealthCheck. The increased excess will apply to all persons insured under your policy. If you have paid the additional premium for the excess waiver extension then the original section excesses will be waived however if an increased excess has been confirmed in writing by Travellers HealthCheck for section A1 this section will be excluded from the excess waiver extension and the increased excess will be applied.

SECTION A1 - CANCELLATION CHARGES

For each insured-person this insurance will pay:

up to £500 on your Bronze policy, £1,500 on your Silver or up to £5,000 on your Gold policy for your proportion of (i) transport charges, (ii) loss of accommodation and (iii) additional travel expenses that you have paid or agreed to pay and that you cannot recover from any other source following yournecessary cancellation after you bought this insurance and limited to the cancellation charges at the time of diagnosis of the condition causing the cancellation of your trip through your inability to commence travel due to:

(i) the death, injury or illness of:

• you or a friend with whom you are travelling .

• a close relative who lives in your home country.

• a close business associate who lives in your home country.

• a friend who lives abroad and with whom you were intending to temporarily stay,

(ii) you, a friend or close relative who is travelling with you and included on your booking being required in your home country for jury service or as a witness in a Court of Law.

(iii) you, a friend or close relative who is travelling with you and included on your booking being given notice of redundancy.

(iv) the requirements of H. M. Forces.

For each insured-person this insurance will not cover:

- any claim where you have not obtained a written statement at the time of the cancellation confirming the necessity to cancel your trip.

- the first £100 of any loss charge or expense made on each claim under this section on your Bronze Policy

- the first £75 of any loss charge or expense made on each claim under this section on your Silver Policy.

- the first £50 of any loss charge or expense made on each claim under this section on your Gold Policy.

- any trip of more than 31 days duration on your annual multi trip policy unless the appropriate additional premium has been paid to extend to 45 days or 60 days per trip.

- any trip where the ticketed return journey exceeds 31 days from the outward journey on your annual multi-trip policy or where the ticket has no fixed return date on your single trip policy.

- any trip within your home country that is shorter than 3 days.

- a one-way trip.

- any trip made by the children under 18 of the principal policyholder and residing at home that is not to travel to and remain with the principal policyholder and/or his/her spouse or to return home having remained with the principal policyholder and/or his/her spouse

- any payment or part payment made using frequent flyer vouchers, Air Miles vouchers or other vouchers that have no financial face value.

- any payment where you have not suffered any financial loss.

- any claim that is due to:

• the withdrawal of previously approved leave by your employer unless it is due to the death or serious illness of a close business associate.

• your failure to obtain the required passport, visa or ESTA.

• your carriers refusal to allow you to travel for whatever reason.

• the operation of law or as a result of an unlawful act or criminal proceedings against anyone included in your booking.

• the failure of any transport or accommodation provider, their agent or anybody who is acting as your agent.

• the cancellation of your trip by the tour operator.

• the failure of your travel agent or tour operator.

• the cancellation of any conference or business trip onto which your trip was to be an add-on.

• financial circumstances or unemployment except when it is due to redundancy that you received after buying this insurance.

• your disinclination to travel.

• you travelling in an aircraft (other than as a passenger in a fully licensed passenger carrying aircraft and for no other purpose).

• your suicide, self-injury or any wilful act of self-exposure to peril (except where it is to save human life).

• death or illness of any pets or animals.

• terrorism, riot, civil commotion, strike or lock-out.

- any event that is due to you participating in a hazardous activity unless an additional premium has been paid and the policy endorsed.

- cancellation due to the fear of an epidemic or pandemic.

- the cost of Air Passenger Duty or equivalent, airport charges and booking charges.

- cancellation due to death or illness of a close relative or close business associate caused by a pre-existing medical condition.

- any deterioration of or loss or damage to property or any injury, illness, death or expense directly or indirectly due to, contributed to or caused by:

• war, terrorism, biological or chemical warfare, invasion, act of foreign enemy, hostilities (whether war has been declared or not), civil war, rebellion, revolution, insurrection or military or usurped power.

• any pre-existing medical condition or health condition that has been diagnosed, been in existence or for which you have received treatment from a hospital or specialist consultant during the last two years or for which you are awaiting or receiving treatment or under investigation unless we have agreed cover in writing and any additional premium has been paid.

- any payments made or charges levied after the date of diagnosis of any change in your health or medication after the policy was bought unless this has been advised to us and any revised terms or conditions have been confirmed in writing.

- cancellation of your trip due to a medical condition of a person travelling with you and included on your booking, where the risk attaching to that medical condition has not been accepted by usin writing.

- you being under the influence of drugs (except those prescribed by your registered doctor but not when prescribed for treatment of drug addiction).

- you or your close relative or business associate being under the influence of alcohol or solvents or anything relating to you or your close relatives or business associate prior abuse of alcohol or solvents.

- any claim arising from a relevant information known by you at the time of buying this policy or which occurs between booking and travel unless it has been disclosed to us and we have agreed in writing any terms applicable.

- any deliberate or criminal act by an insured-person.

- cancellation of your trip due to the advice or recommendations published by the Foreign and Commonwealth Office and applicable at the time of your departure.

- any loss unless it is specified in the policy.

- any claim where you have not obtained prior authority to take leave.

- any claim where leave has been cancelled on disciplinary grounds.

What you need to do if you wish to make a claim under this section of the policy:

Notify the travel agent/tour operator immediately, by telephone and in writing that you need to cancel and obtain a cancellation invoice. Obtain a claim form from the claims office, either by telephone or from the internet, and get your registered general practitioner to complete the medical questions under the cancellation section. You should send any booking receipts to the claims office. If your cancellation is due to the health of a non-travelling close relative you will need to obtain a medical report from the patients General Practitioner (Medical reports from hospitals and clinics are not acceptable) giving full details of the illness or injury, including confirmation that it is a new condition and is not a known complication of any diagnosis made prior to the purchase of this policy, together with full details of their medical history and medication.

SECTION A2 – SCHEDULED AIRLINE FAILURE (NOT APPLICABLE TO SILVER AND BRONZE COVER HOLDERS)

For each insured-person this insurance will pay:

up to £1,500 to cover any amounts already paid for the scheduled flight that you are unable to get back, provided the scheduled flight is booked independently and is not part of an inclusive trip or holiday package, if the airline on which you are booked becomes insolvent after you purchased the policy but before your departure.

For each insured-person this insurance will not cover:

- the financial failure of any airline where:

• the flight is not booked through a licensed or bonded travel organiser or direct with a scheduled airline in the United Kingdom.

• the scheduled airline is in administration or, in the USA and Canada, in Chapter 11 at the time of taking out your policy.

• the scheduled airline is bonded or insured elsewhere, even if the payment is insufficient to meet your claim.

- the financial failure of your travel agent, tour organiser, booking agent or consolidator with whom your scheduled flight has been booked.

- the first £75 of the claim.

- any claim where another airline has taken over your booking.

- any expenses for loss of accommodation, loss of car hire expenses, loss of excursions or any loss.

What you need to do if you wish to make a claim under this section of the policy:

You will need to supply confirmation that the airline has stopped operating, together with your original purchase receipt and unused ticket.

Policy B – Travel Policy

HOW YOUR TRAVEL POLICY WORKS

This insurance document shows the sections of cover, limits, conditions, exclusions, information on what to do if you need to claim, how to obtain legal advice and how to contact the 24 hour emergency assistance service. It is essential that you read it. The policy is a contract between us and you. We will pay for any event, as set out in the policy, that happens during the period of cover for which you have paid the appropriate premium. Your travel insurance policy is not intended to cover items of high value, such as video camcorders, expensive watches etc., as these should be fully insured under your house contents insurance on an All Risks extension for 365 days of the year. There is a maximum amount you can claim for each individual item and a maximum amount in total for valuables, and these are shown under the personal possessions section. The personal possessions section is not ‘new for old’ and an amount for age, wear and tear will be deducted. Your policy covers treatment of medical conditions in emergency and which will respond quickly to treatment. It is not intended to cover you for recurrent or long term treatment and in these circumstances, bearing in mind the advice given by our Chief Medical Officer, we reserve the right to transfer you to a state hospital, where adequate facilities are available, or repatriate you to your home country. All numbers and letters shown under ‘For each insured-person this insurance will not cover:’ refer to the same numbers and letters under ‘For each insured-person this insurance will pay:’ Where no letters or numbers are shown it applies to the whole section.

WHEN YOUR TRAVEL POLICY STARTS AND ENDS

The cover under all sections starts at the beginning of your trip as shown on your insurance certificate and ends on your return home or expiry of the policy, whichever is the first. Further trips of up to 31 days will be covered from date of booking up to the time you leave home, within the duration of the annual multi-trip policies, unless the applicable premium has been paid to include trips up to 45 days or up to 60 days in duration.

EXTENSION OF PERIOD

In the event of your death, injury or illness or that of anyone travelling with you or because of delay or failure of public transport services you are unable to complete the trip before the expiry of this policy the cover will be automatically extended without additional premium for the additional days necessary for you to complete the trip.

CHANGE IN MEDICAL CONDITION OR ONGOING MEDICATION

DEFINITION OF WORDS APPLICABLE TO YOUR TRAVEL POLICY

Listed below are certain words that appear throughout the policy. These will always be shown in bold type and in all cases will have the meanings shown below.

Insured-person/you/your - means any person named on the insurance certificate.

Principal policyholder - means the first named insured-person.

We/our/us - means Union Reiseversicherung AG.

Resident - means a person who has had their main home in the United Kingdom or the Channel Islands and has not spent more than six months abroad in the year before buying this policy.

Close relative - means spouse or partner of over six months, parents, grandparents, legal guardians, parents-in-law, step-parents, aunt, uncle, brother, sister, child, grandchild or fiancé(e).

Business associate - means a business partner, director or employee of yours who has a close working relationship with you.

Personal possessions - means each of your suitcases and containers of a similar nature and their contents and articles you are wearing or carrying including your valuables (as shown below).

Valuables - means cameras, photographic equipment, camcorders, video, satellite navigation equipment, television equipment, radios, cassette players, CD players, Ipods, MP3 players, audio equipment ,laptops, mac or web books, personal computers, computer equipment/accessories, hard drives, flash drives, computer games machines, binoculars, telescopes, antiques, jewellery, watches, furs, precious or semi-precious stones, articles made of or containing gold silver or other precious metals, films, tapes, cassettes, cartridges, discs or Compact Discs.

Pair or set - means two or more items of personal possessions that are complementary, purchased as one item or used/worn together. Essential items - means underwear, socks, toiletries and a change of clothing.

Personal money -means bank and currency notes, cash, cheques, postal and money orders, current postage stamps, travellers’ cheques, coupons or vouchers that have a monetary value, your passport, your travel tickets, your driving licence and your ski pass, all of which are for your private use.

Travel documents - means current passports, valid visas, travel tickets, European Health Insurance Cards (EHIC) and valid reciprocal health form E112.

Home - means one of your normal places of residence in the United Kingdom or the Channel Islands.

Trip - means a holiday or journey that begins when you leave home and ends on your return to either (i) your home, or (ii) a hospital or nursing home your home country following your repatriation, both during the period of cover.

International departure point - means the airport, international rail terminal or port where the outward flight, international train or sea vessel is boarded to take you from the United Kingdom or the Channel Islands to your destination and the return flight, international train or sea vessel is boarded to start the final part of your journey to the United Kingdom or the Channel Islands.

Cruise - a pleasure voyage of more than 72 hours duration, sailing on sea/s or oceans and includes stops at various ports Flight - means a service using the same airline or airline flight number.

Public transport - means buses, coaches, internal flights or trains that run to a published scheduled timetable.

Manual labour - means work involving the lifting or carrying of heavy items in excess of 25kg, work at a higher level than two storeys or any form of work underground.

United Kingdom - means England, Wales, Scotland, Northern Ireland and the Isle of Man.

Home country - means both the country you live in within the United Kingdom or the Channel Islands and your country of nationality. Unattended - means left away from your person where you are unable to clearly see and are unable to get hold of your personal possessions.

Hijack - means detention by the illegal seizure of mode of transport through violent and forcible means

Mugging - means the theft or attempted theft involving an act of violence against you which results in your injury and hospitalisation Winter sports - means the insured activities as specified in Section B16 of the policy wording

Ski equipment - means skis, ski bindings, ski sticks, ski boots and snowboards. Ski pack - means ski pass, ski lift pass and ski school fees.

Unattended - means left away from your person where you are unable to clearly see and are unable to get hold of your personal possessions.

Business colleague –means business partner, director or employee of yours who has a close working relationship with you.

Business effects –business goods, samples and equipment taken on an insured journey by an insured person that are owned by you or your employer.

Business money –mean company credit, debit or charge cards, band and currency notes, cash, cheques, postal and money orders, current postage stamps, traveller’s cheques, coupons or vouchers that have monetary value, bonds or other securities, negotiable instruments, travel tickets and travel documents, all of which belong to you or your employer, all of which are for your business use.

Curtailment - means the cutting short of your trip byyour early return home.

GEOGRAPHICAL AREAS

Area 1 - United Kingdom, where it is your home country.

Area 3 - Australia and New Zealand

Area 4 – Worldwide excluding the United States of America, Canada and the Caribbean.

Area 5 – Worldwide including the United States of America, Canada and the Caribbean.

CONDITIONS APPLICABLE TO YOUR TRAVEL POLICY

1. OBSERVING THE FOLLOWING:

In respect of all sections of the policy

(a) being a resident of the United Kingdom or the Channel Islands.

(b) taking all possible care to safeguard against accident, injury, loss or damage as if you had no insurance cover.

(d) giving us full details in writing of any incident that may result in a claim under any section of the policy at the earliest possible time.

(e) notifying us immediately of any changes in your health or medication after you buy the policy.

(f) passing on to us immediately every writ, summons, legal process or other communication in connection with the claim.

(g) providing all necessary information and assistance we may require at your own expense (including where necessary medical certification and details of your National Health number or equivalent and private health insurance).

(h) not admitting liability for any event or offering to make any payment without our prior written consent.

(i) accepting that your policy cannot be extended once it has expired.

(j) accepting that no alterations and/or additions to the printed terms and conditions of your policy be valid unless initialled by us.

(k) ensuring that all claims are notified within 3 months of the incident occurring.

In respect of sections, B4, emergency medical expenses and B5, curtailment, only.

(l) checking with your doctor on the advisability of making the trip if you have any existing medical condition, taking into account your chosen destination, the climatic conditions, the stability of your condition, the effect of any additional drugs or vaccines necessary and the standard of the medical services available. Cover will not be given if travel is against the advice of your doctor.

(m) not travelling specifically to receive medical treatment during your trip or in the knowledge that you are likely to need treatment.

(n) not requiring insurance for any stress related condition, anxiety, depression, eating disorders or mental instability.

(o) not requiring insurance for any medical condition where a terminal prognosis has been given by a registered doctor before buying this policy.

(p) not requiring insurance for any medical condition that is being investigated or for which you are awaiting or receiving treatment in hospital at the time of buying this policy.

(q) disclosing all relevant information as soon as possible after the policy is issued.

(r) obtaining any recommended vaccines, inoculations or medications prior to your trip.

In respect of sections B2, personal possessions, B3, personal money, B13 Golf Extension and B16, winter sports, only.

(s) providing full details of any House Contents and All Risks insurance policies you may have.

(t) retaining your tickets and luggage tags and notifying the Police within 24 hours of any loss or theft or to the carriers when the loss or damage has occurred in transit. You should obtain either a Police report or a carrier’s Property Irregularity Report (PIR) form within 24 hours and enclose this with your claim form.

(u) complying with the carrier’s conditions of carriage.

(v) not abandoning any property to us or the claims office.

2. RECOGNISING OUR RIGHTS TO:

(a) make your policy void where a false declaration is made or any claim is found to be fraudulent.

(b) take over and deal with in your name the defence or settlement of any claim made under the policy.

(c) subrogate against the responsible party and take proceedings in your name but at our expense to recover for our benefit the amount of any payment made under the policy.

(d) give 7 days notice of cancellation of this policy by recorded delivery to you at your last known address. In this case we will refund to you the pro-rata proportion of any unexpired premium you have paid.

(e) obtain information from your medical records (with your permission) for the purpose of dealing with any medical claims. No personal information will be disclosed to any outside person or organisation without your prior approval.

(f) cancel all benefits provided by this policy without refund of premium when a payment has been made for cancellation or curtailment of the trip.

(g) not to refund the policy premium after the policy has been issued, unless after receipt of the document you find that the terms and conditions do not meet your requirements, in which case the policy, insurance certificate and any other relevant documents must be returned to the point of sale within 14 days of purchase for any refund to be considered.

(h) not make any payment under sections B6 and B8 for any event that is covered by another insurance policy.

(i) only pay a proportionate amount of the claim under sections B1, B2, B3, B4, B5, B7, B9, B10 , B11 and B12 where there is other insurance in force covering the same risk and to require details of such other insurance.

(j) settle all claims under the law of the country that you live in within the United Kingdom or the Channel Islands unless we agree otherwise with you.

(k) maintain your personal details in connection with an anti-fraud claims checking system.

(L) to pay a proportionate cost of any claim for your trip where you have not insured for the full cost.

Policy excesses - in respect of sections B1, Departure Delay, B2, personal possessions, B3, personal money, B4, emergency medical expenses, B5, curtailment, B6, personal liability, B8 legal advice and expenses .

An excess is the amount you have to pay towards each claim.

Each section of the policy listed carries an excess. All excesses shown for this policy are payable by eachinsured-person, for each incident giving rise to a separate claim. The policy excess under sections B4 and B5 may be increased to include pre-existing medical conditions confirmed in writing by Travellers HealthCheck. The increased excess will apply to all persons insured under your policy.

If you have paid the additional premium for the excess waiver extension then the original section excesses will be waived however if a higher excess has been confirmed in writing by Travellers HealthCheck for sections B4 and B5 these sections will be excluded from the excess waiver extension and the increased excess will be applied.

EXCLUSIONS APPLYING TO ALL SECTIONS OF YOUR TRAVEL POLICY

A This insurance will not pay for:

any deterioration of or loss or damage to property or any delay, legal liability, injury, illness, death or expense directly or indirectly due to, contributed to or caused by :

(1) participation in a hazardous activity unless the appropriate additional premium has been paid and the policy endorsed.

(2) any known pre-existing medical condition or any recognised complication caused by the pre existing medical condition or health condition that has been diagnosed, been in existence or for which you have received treatment from a hospital or specialist consultant during the last two years or for which you are awaiting or receiving treatment or under investigation unless we have agreed cover in writing and any additional premium has been paid.

(3) any claim due to your carriers refusal to allow you to travel for whatever reason.

(4) any payments made or charges levied after the date of diagnosis of any change in your health or medication after the policy was bought unless this has been advised to us and any revised terms or conditions have been confirmed in writing.

(5) curtailment of your trip due to a medical condition of a person travelling with you and included on your booking, where the risk attaching to that medical condition has not been accepted by usin writing.

(6) you being under the influence of drugs (except those prescribed by your registered doctor but not when prescribed for treatment of drug addiction).

(7) you or your close relative or business associate and being under the influence of alcohol or solvents or anything relating to you or your close relatives or business associate prior abuse of alcohol or solvents.

(8) delay, confiscation, detention, requisition, damage, destruction or any prohibitive regulations by Customs or other government officials or authorities of any country.

(9) any claim arising from a relevant information known by you at the time of buying this policy or which occurs between booking and Travel unless it has been disclosed to us and we have agreed in writing any terms applicable.

(10) any deliberate or criminal act by an insured-person.

(11) manual labour.

(12) you travelling against the advice or recommendations published by the Foreign and Commonwealth Office and applicable at the time of your departure.

(13) In respect of all sections other than, B4, emergency medical expenses

war, terrorism, biological or chemical warfare, invasion, act of foreign enemy, hostilities (whether war has been declared or not), civil war, rebellion, revolution, insurrection or military or usurped power.

(14) cover for cruises under Bronze or Silver cover.

B. This insurance will not cover:

(1) loss of earnings, additional hotel costs, additional car hire, additional parking fees, kennel fees or any other loss unless it is specified in the policy.

(2) any loss due to currency exchanges of any and every description.

(3) any trip of more than 31 days duration on your annual multi trip policy unless the appropriate additional premium has been paid to extend to 45 days or 60 days per trip.

(4) any trip where the ticketed return journey exceeds 31 days from the outward journey on your annual multi-trip policy or where the ticket has no fixed return date on your single trip policy.

(5) any trip within your home country that is shorter than 3 days.

(6) a one-way trip.

(7) any trip made by the children under 18 of the principal policyholder and residing at home that is not to travel to and remain with the principal policyholder and/or his/her spouse or to return home having remained with the principal policyholder and/or his/her spouse.

(8) cover for cruises under Bronze or Silver cover

SECTION B1 – DEPARTURE DELAY

For each insured-person this insurance will pay:

• 1. you £20 on your Bronze policy, £25 on your Silver policy and £35 on your Gold policy, compensation if the departure of your international flight, international train or sailing is delayed for more than 12 hours from its scheduled departure time from your international departure point and your possessions have been checked in. If the delay continues we will pay a further sum of £10 for each complete period of 12 hours up to a maximum of £100 on your Bronze policy, £150 on your Silver policy and £210 on your Gold policy.

• 2. up to £500 on your Bronze policy, £1,500 on your Silver policy or up to £5,000 on your Gold policy for the cancellation of your trip if your possessions have been checked in and after 12 hours delay you wish to abandon the trip.

3. up to £300 on your Bronze policy, £600 on your Silver policy or up to £1,000 on your Gold policy for alternative transport to get you to your destination:

(a) the car in which you are travelling to your international departure point becomes undrivable due to mechanical failure or being involved in an accident, or

(b) your public transport is delayed, preventing you from getting to your international departure point in time to check in.

4. up to £300 if you have purchased a Bronze policy, £600 if you have a Silver policy and up to £1,000 if you have a Gold Policy to cover the cost of additional transport and accommodation to enable you to reach your destination if your flight is delayed causing you to miss your onward connection.

You will need to obtain independent confirmation of the circumstances.

For each insured-person this insurance will not cover:

- the cost of any accommodation, food, drink, telephone calls or faxes.

- any claim that is due to the failure of any transport or accommodation provider, their agent or anybody who is acting as your agent.

1 & 2 - any compensation unless you have checked in your possessions and obtained written confirmation from your airline, railway company, shipping line or their handling agents that shows the reason for the delay, the scheduled departure time and the actual departure time of your flight, international train or sailing.

- any compensation where the airline, railway company or shipping line or their handling agents provide alternative transport that departs within 12 hours of the booked departure time.

- any compensation when your tour operator has rescheduled your flight itinerary.

- any claim where you have not pre-booked, where you have a stand-by ticket and do not have confirmed space or that is due to the aircraft being overbooked.

• 1. - missed connections outside your home country.

• 2. - the first £100 of any claim made by you on your Bronze Policy or

- the first £75 of any claim made by you on your on your Silver Policy.

- the first £50 of any claim made by you on your on your Gold Policy.

- abandonment where the trip is of 2 days duration or less, or is a one-way trip.

3 . - the first £100 of any claim made by you on your Bronze Policy or

- the first £75 of any claim made by you on your on your Silver Policy.

- the first £50 of any claim made by you on your on your Gold Policy.

- any claim that is a result of your failure to allow sufficient time for your journey to the international departure point to check-in by the time shown on your travel itinerary.

- any claim arising from the failure of public transport services that is due to a strike or industrial action that started or that had been announced before the date of your departure from home.

4. - the first £100 of any claim made by you on your Bronze Policy or

- the first £75 of any claim made by you on your on your Silver Policy.

- the first £50 of any claim made by you on your on your Gold Policy.

- any transport or accommodation costs which are covered by your booked airline

- any loss of your pre-booked accommodation and/or holiday.

- any compensation where the airline, railway company or shipping line or their handling agents provide alternative transport that departs within 12 hours of the booked departure time.

- any compensation when your tour operator has rescheduled your flight itinerary.

- any claim where you have not pre-booked, where you have a stand-by ticket and do not have confirmed space or that is due to the aircraft being overbooked.

What you need to do if you wish to make a claim under this section of the policy:

You need to obtain a letter from the airline, railway company or shipping line or their handling agents that shows (a) scheduled departure time, (b) actual departure time, and (c) reason for the delay. You are only covered if the delay is more than 12 hours.

SECTION B2 - PERSONAL POSSESSIONS (APPLICABLE TO SILVER AND GOLD POLICIES ONLY)

For each insured-person this insurance will pay:

(a) up to a total of £1,500 on your Silver policy or up to £2,000 on your Gold policy for your personal possessions to cover:

either (i) the cost of repair of items that are partially damaged whilst on your trip, up to the original purchase price of the item, less an allowance for age, wear and tear,

or (ii) the original purchase price of the item, less an allowance for age, wear and tear, to cover items that are stolen, permanently lost or destroyed whilst on your trip.

(b) up to a total of £75 on your Bronze policy, £100 on your Silver policy or up to £150 on your Gold policy to cover the purchase of essential items if your personal possessions are misplaced, lost or stolen on your outward journey from your home country for over 12 hours from the time you arrived at your trip destination. You must keep all receipts for these items and send them in to us with your claim and any amount paid will be deducted from the final claim settlement if the items are permanently lost.

For each insured-person this insurance will not cover:

(a) - any claim made by you on your Bronze Policy or

- the first £75 of any claim made by you on your on your Silver Policy.

- the first £50 of any claim made by you on your on your Gold Policy.

- more than £200 on your Silver Policy or up to £300 on your Gold policy for any one article, pair or set of any kind, whether they are solely or jointly owned.

- more than £400 on your Silver Policy or up to £500 on your Gold policy in total for valuables whether solely or jointly owned.

- more than £50 in respect of sunglasses, spectacles or prescription glasses.

- more than £50 for items lost or stolen from a beach or lido.

- mobile telephones, SIM cards, mobile telephone prepayment cards, lost or stolen mobile telephone call charges or mobile telephone accessories.

- any claim for loss or theft where you have not notified the police, your carrier or tour operator’s representative and obtained a written report.

- any claim where you are unable to provide the damaged items on request or to prove the existence or prove the ownership of any item with an insured value in excess of £50.

- loss of, or damage to, property that does not belong to you or any member of your family.

- any claim that is the result of a domestic dispute.

- any breakage or damage to fragile articles, paintings, works of art, sculptures, audio, video, computer, television equipment, musical instruments, household goods unless the breakage or damage is caused by fire, theft or in an accident to the motor vehicle in which they are being carried.

- loss or damage due to atmospheric or climatic conditions, age, wear, tear, moth or vermin.

- the cost of replacing or repairing dentures.

(b) - shoes, boots, trainers and the like.

(a) & (b) - the loss, theft or damage to:

• films, tapes, cassettes, cartridges or discs other than their value as unused material unless purchased pre-recorded when we will pay up to the maker’s latest list price.

• duty free items such as tobacco products, alcohol and perfumes.

• perishable goods, bottles, cartons and any damage caused by them or their contents.

• pedal cycles, wheelchairs, prams, pushchairs or baby buggies except while they are being carried as luggage on public transport.

• sports equipment whilst in use.

• any items more specifically insured elsewhere.

• valuables carried in any suitcases, trunks or similar containers when left unattended.

• valuables left unattended except where they are locked in a safe or safety deposit box where these are available or left out of sight in your locked personal holiday or trip accommodation.

• contact or corneal lenses or artificial limbs.

- money, bonds, coupons, stamps negotiable instruments, securities or documents of any kind.

- personal possessions left unattended away from your personal holiday or trip accommodation except personal possessions (but not valuables) left between 6.00 am and 11.00 pm local time (during daytime) in the locked boot or covered luggage area of a motor vehicle where entry was gained by violent and forcible means.

What you need to do if you wish to make a claim under this section of the policy:

SECTION B3 - PERSONAL MONEY

For each insured-person this insurance will pay:

(a) (APPLICABLE TO SILVER AND GOLD POLICIES ONLY) up to £300 on your Silver policy £500 on your Gold policy for the loss or theft of your personal money during your trip

(b) up to £150 on your Bronze policy, £250 on your Silver policy or up to £350 on your Gold policy for additional travel and accommodation expenses necessarily incurred to obtain replacement travel documents whilst on your trip if your travel documents are lost or stolen during your trip.

For each insured-person this insurance will not cover:

(a) - any claim made by you on your Bronze Policy

- the first £75 of any claim made by you on your on your Silver Policy.

- the first £50 of any claim made by you on your on your Gold Policy.

- more than £150 on your Silver policy or £250 on your Gold Policy in total in cash or currency , whether solely or jointly owned.

- loss or theft of personal money due to depreciation in value, currency changes or shortage caused by any error or omission.

- loss or theft of travellers’ cheques where the bank provides a replacement service.

- any financial loss suffered as a result of your debit/credit card being lost or stolen.

- more than the unused portion of your passport.

(a)&(b) - loss or theft of personal money or travel documents that are not:

• on your person.

• held in a safe or safety deposit box where one is available.

• left out of sight in your locked personal trip accommodation.

- any claim for loss or theft where you have not notified the Police, your carrier or tour operator’s representative and obtained a written report.

(b) - the cost of the replacement travel documents.

- any costs incurred before departure or after you return home.

- any costs which are due to any errors or omissions on your travel documents.

- your failure to obtain the required passport or visa ESTA.

- any expenses for food or drink.

- any expenses for missed flights or alternative transport to return home due to the loss or theft of your travel documents

What you need to do if you wish to make a claim under this section of the policy:

For all losses you should report to the Police as soon as possible, and within 24 hours of discovery, and obtain a written report and reference number from them. You should also report the loss to your tour operator’s representative or hotel/apartment manager wherever appropriate. For loss of money we will also require (a) confirmation from your UK or Channel Islands currency exchange of the issue of foreign currency or travellers’ cheques, (b) exchange confirmations for currency changed from travellers’ cheques, or, (c) where sterling is involved, documentary evidence of possession. For lost or stolen travel documents you will also need get a letter from the Consulate, airline or travel provider where you obtained a replacement and keep all the receipts for your travel and accommodation expenses.

SECTION B4 - EMERGENCY MEDICAL AND ASSOCIATED EXPENSES

Please note: If it seems likely that you will require treatment at a hospital please contact our Emergency Medical Assistance service who will help you to locate the most appropriate local facility for your particular medical problem. In case of extreme urgency please call the local ambulance service and notify the Emergency Medical Assistance service as soon as you are able. If you are admitted to a hospital this must be reported to our appointed emergency medical assistance service as soon as it is practically possible and at the latest within 24 hours and you must call the emergency assistance service within 24 hours if your medical bill is likely to exceed £500.

For each insured-person this insurance will pay:

to you or your legal representatives the following necessary emergency expenses that are payable within six months of the event that causes the claim that results from your death, injury or illness

1. Trips outside your home country

(a)up to £2,000,000 on your Bronze policy or £5,000,000 on your Silver policy or up to £10,000,000 on your Gold policy for reasonable:

(i) fees or charges to be paid outside your home country for medical, surgical, hospital nursing home or nursing services.

(ii) additional travel, accommodation and repatriation costs to be made for or by you and for any one other personwho is required for medical reasons to stay with you, to travel to you from within your home country or to travel with you.

(iii) charges following your death outside your home country for your burial or cremation in the locality where your death occurs up to a maximum cost of £3,000, plus the cost of returning your ashes home or the return of your body to your home.

(b) up to £200 on your Bronze policy or £300 on your Silver policy or £500 on your Gold policy to cover emergency dental treatment only to cure sudden pain.

(c) £15 on your Bronze policy or £25 on your Silver policy or £50 on your Gold policy for each full day that you are in a state hospital as an in-patient during the period of the trip in addition to the fees and charges paid under 1 (a) above.

2. Trips within the United Kingdom where it is your home country

up to £50,000 for reasonable:

- additional transport and accommodation costs to be made for or by you and for any one other person who is required for medical reasons to stay with you, to travel to you from within your home country or to travel with you,

- costs following your death for the return of your ashes or your body to your home.

For each insured-person this insurance will not cover:

1. (a) & (b) - the first £100 your Bronze Policy or £75 on your Silver Policy or £50 your Gold Policy each and every incident giving rise to a claim except when you have used a European Health Insurance Card (EHIC) or other mutual agreement between countries to obtain a reduction in medical costs, when this is reduced to NIL.

- any elective or pre-arranged treatment.

- any routine non-emergency tests or treatment.

- any treatment or hospitalisation which can be reasonably expected.

- the cost of private treatment where adequate state facilities are available.

1.(a) - the cost of replenishing supplies of any medication you were using at the start of the trip, or further treatment for any condition you had at the start of your trip.

- the cost of taxi fares for anyone other than the patient, telephone calls, faxes or any expenses for food or drink.

- the cost of repatriation where necessary medical treatment is available locally in a facility considered acceptable by the Chief Medical Officer of the emergency assistance service.

1 & 2 - any claim that is caused by:

• you travelling in an aircraft (other than as a passenger in a fully licensed passenger carrying aircraft and for no other purpose).

• you driving a motorcycle for which you do not hold a full licence to ride in your home country.

• you riding on a motorcycle without wearing a crash helmet, whether legally required locally or not.

• your suicide, self-injury or wilful act of self exposure to peril (except where it is to save human life).

• your participation in a hazardous activity unless an additional premium has been paid and the policy endorsed.

• The cost associated with the diversion of an aircraft due to your death injury or illness

1.(a)(i) - any services or treatment received by you within your home country.

- any services or treatment received by you, including any form of cosmetic surgery OR any treatment that in the opinion of the emergency assistance service, in consultation with your treating doctor, can reasonably wait until you return to your home country

- any services or treatment received by you after the date on which in the opinion of the emergency assistance service, you can safely return home, that would exceed the cost of your repatriation.

- repairs to or for the provision of dentures, artificial limbs or hearing aids.

- any dental work involving the use of precious metals.

- in-patient treatment that has not been notified to and agreed by the emergency assistance service.

- any extra costs for single or private accommodation in a hospital or nursing home.

- any costs for treatment, including exploratory tests, that has no relationship with the illness or injury on which the claim is being made.

1.(a)(iii) - your burial or cremation in your home country.

1.(b) - emergency dental work costing more than £200 on your Bronze policy or £300 on your Silver policy or £500 on your Gold policy.

1.(c) - any payment when you are in a private hospital or clinic.

- more than £500 on your Bronze Policy in total for state hospital in-patient benefit.

- more than £1,000 on your Bronze Policy in total for state hospital in-patient benefit.

- more than £1,500 on your Gold Policy in total for state hospital in-patient benefit

2 - the first £100 your Bronze Policy or £75 on your Silver Policy or £50 your Gold Policy each and every incident giving rise to a claim.

NOTES:

• 1. IF TRAVELLING WITHIN EUROPE YOU SHOULD CARRY A EUROPEAN HEALTH INSURANCE CARD (EHIC) AND USE THIS AT STATE REGISTERED DOCTORS AND STATE HOSPITALS TO SAVE COSTS.

• 2. IF TRAVELLING IN AUSTRALIA YOU SHOULD REGISTER WITH MEDICARE ON ARRIVAL. THERE IS A MEDICARE OFFICE IN ALL MAJOR TOWNS AND CITIES IN AUSTRALIA. REGISTRATION IS FREE AND THIS WILL ENTITLE YOU TO REDUCED MEDICAL CHARGES FROM DOCTORS, REDUCED PRESCRIPTION CHARGES AND ACCESS TO MEDICARE HOSPITALS.

FOR PRACTICAL ASSISTANCE IN A MEDICAL EMERGENCY OR IF YOU NEED TO CUT YOUR TRIP SHORT CONTACT OUR 24 HOUR ASSISTANCE ON +44 (0) 845 260 3 260 or +44 (0) 1732 85 33 33

What you need to do if you wish to make a claim under this section of the policy:

Emergency medical details are given separately above.

For non-emergency cases, visits to doctors, hospital outpatients, or pharmacies you must keep all receipts accounts and medical certificates.

SECTION B5 – CURTAILMENT (CUTTING SHORT YOUR TRIP)

For each insured-person this insurance will pay:

up to £500 on your Bronze policy or £1,500 on your Silver policy or up to £5,000 on your Gold policy for your unused proportion of (i) transport charges, (ii) loss of accommodation and (iii) additional travel expenses that you have paid or agreed to pay and that you cannot recover from any other source following yournecessarycurtailment of your trip due to :

(a) the trip being cut short by your early return home because of:

(i) the death, injury or illness of:

• you or a friend with whom you are travelling .

• a close relative who lives in your home country.

• a close business associate who lives in your home country.

• a friend who lives abroad and with whom you were intending to stay,

(ii) you, a friend or close relative who is travelling with you being required in your home country for jury service or as a witness in a Court of Law, or

(iii) you, a friend or close relative who is travelling with you being called back by the Police after your home, or the home in your home country of your friend or close relative, or usual place of business in your home country, having suffered from burglary, serious fire, storm or flood.

(iv) the requirements of H. M. Forces.

your unused proportion of trip costs will be calculated in full days lost from the date of your flight home.

For each insured-person this insurance will not cover:

- the first the first £100 your Bronze Policy or £75 on your Silver Policy or £50 your Gold Policy of any loss, charge or expense made on each claim under this section.

- any payment or part payment made using frequent flyer vouchers, Air Miles vouchers or other vouchers that have no financial face value.

- any payment where you have not suffered any financial loss.

- any claim that is due to:

• the withdrawal of previously approved leave by your employer unless it is due to the death or serious illness of a close business associate.

• your failure to obtain the required passport or visa or ESTA.

• the operation of law or as a result of an unlawful act or criminal proceedings against anyone included in your booking.

• the failure of any transport or accommodation provider, their agent or anybody who is acting as your agent.

• the curtailment of your trip by the tour operator.

• the failure of your travel agent or tour operator.

• the cancellation of any conference or business trip onto which your trip was to be an add-on.

• financial circumstances.

• your loss of enjoyment of the trip however caused.

• your suicide, self-injury or any wilful act of self exposure to peril (except where it is to save human life).

• death or illness of any pets or animals.

• for any claim arising from a known pre-existing medical condition of a close relative or a close business associate or any recognised complication caused by the pre existing medical condition.

• terrorism, riot, civil commotion, strike or lock-out.

- any event that is due to you participating in a hazardous activity unless an additional premium has been paid and the policy endorsed.

- any unused portion of your original ticket where repatriation has been made.

- cutting short your trip unless the emergency medical assistance service have agreed.

- any event caused by your failure to get a medical certificate from the treating doctor near to where you are staying that states the necessity to return home due to death, injury or illness.

- curtailment due to the fear of an epidemic or pandemic.

- curtailment cover where the trip is of 2 days duration or less or is a one-way trip.

- curtailment due to any event caused by:

• you driving a motorcycle for which you do not hold a full licence to ride in your home country.

• you riding on a motorcycle without wearing a crash helmet, whether legally required locally or not.

What you need to do if you wish to make a claim under this section of the policy:

If you feel you need to cut short your trip you will need a letter confirming this is due to medical necessity from your treating doctor in resort, and to confirm this with our appointed emergency medical assistance service. Curtailment claims will not otherwise be covered. You should keep any receipts or accounts given to you and send them in to the claims office.

SECTION B6 - PERSONAL LIABILITY

For each insured-person this insurance will pay:

up to £1,000,000 on your Bronze policy or up to £2,000,000 on your Silver or Gold policy plus costs agreed between us in writing, for any event occurring during the period of this insurance that you are legally liable to pay that relate to an incident caused by you and that results in:

(a) injury, illness or disease of any person.

(b) loss of, or damage to, property that does not belong to you or any member of your family and is neither in your charge or control nor under the charge or control of any member of your family.

For each insured-person this insurance will not cover:

- the first the first £100 your Bronze Policy or £75 on your Silver Policy or £50 your Gold Policy of any loss, charge or expense made on each claim under this section.

- any liability for loss of or damage to property or injury, illness or disease:

• where an indemnity is provided under any other insurance.

• that is suffered by anyone who is under a contract of service with you, acting as a carer, whether paid or not, or any member of your family and is caused by the work you or any member of your family employ them to do.

• that is caused by any deliberate act or omission by you.

• that is caused by your own employment, profession or business or any member of your family.

• that is caused by your ownership, care, custody or control of any animal.

• that falls on you by agreement and would not have done if such agreement did not exist.

- any liability for injury, illness or disease suffered by you or any member of your family.

- compensation or any other costs caused by accidents involving your ownership, possession or control of any:

• land or building or their use either by or on your behalf other than your temporary trip accommodation.

• mechanically propelled vehicles and any trailers attached to them.

• aircraft, motorised skis, motorised waterborne craft or sailing vessel.

• firearms or incendiary devices.

What you need to do if you wish to make a claim under this section of the policy:

Never admit responsibility to anyone and do not agree to pay for any damage, repair costs or compensation.

Keep notes of any circumstances that may become a claim so these can be supplied to us along with any supporting evidence we may require.

SECTION B7 – PERSONAL ACCIDENT BENEFIT

For each insured-person this insurance will pay:

A single payment for your accidental bodily injury, that independently of any other cause, results in your:

	Bronze	Silver	Gold
(a) death	£10,000	£15,000	£25,000
(b) total and permanent loss of sight in one or both eyes or total
loss by physical severance or total and permanent
loss of use of one or both hands or feet	£10,000	£15,000	£25,000
(c) permanent and total disablement from engaging in paid
employment or paid occupations of any and every
kind all occurring within 12 months of the event happening.	£10,000	£15,000	£25,000*

For each insured-person this insurance will not cover:

- any event that is due to:

• you travelling in an aircraft (other than as a passenger in a fully licensed passenger carrying aircraft and for no other purpose)

• you driving a motorcycle for which you do not hold a full licence to ride in your home country.

• you riding on a motorcycle without wearing a crash helmet, whether legally required locally or not.

• your suicide, self-injury or any wilful act of self-exposure to peril (except where it is to save human life).

• your participation in a hazardous activity unless an additional premium has been paid and the policy endorsed.

- more than one of the benefits that is a result of the same injury.

(a) - more than £1,000 death payment if you have a Bronze policy, £2,500 if you have a Silver policy and £3,500 if you have a Gold policy when your age is under sixteen (16 ) years or is seventy-five (75) years or over at the time of the incident.

(b) & (c) - any payment when your age is seventy-five (75) years or over at the time of the incident.

*Please note:

Where you are not in any paid employments or paid occupations, this shall be defined as ‘all your usual activities, pastimes and pursuits of any and every kind’.

What you need to do if you wish to make a claim under this section of the policy:

In the event of death we will require sight of an original copy of the death certificate, for other claims please write describing the circumstances of the accident and its consequences, and you will be advised what further documentation is required.

SECTION B8 – LEGAL ADVICE AND EXPENSES

For each insured-person this insurance will pay:

up to £10,000 on your Bronze policy or up to £15,000 on your Silver or £25,000 on your Gold policy for legal costs and expenses incurred in pursuing claims for compensation and damages due to your death or personal injury whilst on the trip provided we always have complete control over the legal proceedings and the selection, appointment and control of lawyers and where a claim occurs you will supply any reports or information and proof to us and the claims office as may be required.

For each insured-person this insurance will not cover:

- any costs to pursue a claim against a travel agent, tour operator, tour organiser, the insurers or their agents or the claims office.

- any legal action where the estimated amount that will be recovered is less than £500.

- any legal expenses where we consider you are unlikely to obtain a reasonable settlement.

- any costs that can be considered under an arbitration scheme or a complaints procedure.

- any legal expenses incurred without our prior authorisation or that of the claims office.

- any claim made by you against another insured-person or member of your family.

- any claim for damage to a motor vehicle.

PLEASE NOTE:

• We will not pay legal expenses to bring proceedings in more than one country in respect of the same event.

• If you are awarded compensation and receive payment then all sums paid out by us shall be paid out of that compensation.

What you need to do if you wish to make a claim under this section of the policy:

If you have an accident abroad and require legal advice you should telephone:

Pannone LLP, 123 Deansgate, Manchester, M3 2BU

They will arrange for up to thirty minutes of advice to be given to you by a lawyer. To obtain this service you should:

telephone 0161 228 3851 or fax 0161 909 4444

SECTION B9 – CATASTROPHE COVER (APPLICABLE TO GOLD POLICIES ONLY)

For each insured-person this insurance will pay:

up to £1,000 to cover reasonable additional costs of travel and accommodation to the same standard as those on your booking to enable you to continue your trip in a close location to that booked if the pre-booked accommodation has been damaged by fire, flood, earthquake, storm, lightening, explosion, hurricane or the area is quarantined due to a major outbreak of an infectious disease.

For each insured-person this insurance will not cover:

- any claim for a trip within your home country.

- any claim for travel or accommodation where the trip formed part of a tour operator’s package holiday.

- any claim where the fire, flood, earthquake, storm, lightening, explosion, hurricane or infectious disease had taken place before you left home.

- any amounts that are recoverable from any other source.

- any claim where you have purchased a Bronze or Silver policy.

- any claim where you are unable to provide evidence of the necessity to make alternative travel arrangements.

- any claim where the alternative accommodation is more than 20 miles from that originally booked unless agreed by usin writing.

What to do in the event of a claim

You will need to provide written evidence from official sources to confirm the need to find alternative accommodation, stating the reason why this was necessary. You will need to submit this to claim office along with your original booking confirmation and receipts for all expenses made.

SECTION B10 – MUGGING (APPLICABLE TO GOLD POLICIES ONLY)

For each insured-person this insurance will pay:

up to £50 on your Gold policy for each full day you are hospitalised following a mugging attack.

For each insured-person this insurance will not cover:

- more than £1,000 in total.

- any payment were you have purchased a Bronze or Silver policy.

- any claim where a claim has not been reported under section B4, Emergency medical and associated expenses and sections B2, personal possessions and/or B3, personal money.

- any claim which is not supported by a written report from the appropriate authorities.

- any claim where you have not obtained a written report from the appropriate authorities stating the time and circumstances of the event.

SECTION B11 – HIJACK (APPLICABLE TO GOLD POLICIES ONLY)

For each insured-person this insurance will pay:

£50 on your Gold Policy for each full day you are confined as a result of hijack

For each insured-person this insurance will not cover:

- more than £1,000 in total.

- any payment were you have purchased a Bronze or Silver policy.

- any compensation unless you have obtained confirmation from the airline, carrier or their handling agents confirming period of delay. What to do in the event of a claim: Obtain an independent written report confirming period of delay along with any supporting documentation such as press cuttings.

Additional Cover Available (upon payment of premium)

SECTION B12 GOLF EXTENSION – Upon Payment of additional Premium (applicable to Gold and Silver policies only)

For each insured-person this insurance will pay:

(a) up to a total £1,500 for your own golf equipment to cover:

either (i) the cost of repair of items that are partially damaged whilst on your trip, up to the market value of the item, allowing for age, wear and tear, or

(ii) the market value of the item, allowing for age, wear and tear as shown below, to cover items that are stolen, permanently lost or destroyed whilst on your trip.

(b) up to a total of £200 for hired golf equipment to cover:

either (i) the cost of repair of items that are partially damaged whilst on your trip, up to the market value of the item, allowing for age, wear and tear, or

(ii) the market value of the item, allowing for age, wear and tear as shown below, to cover items that are stolen, permanently lost or destroyed whilst on your trip.

(c) up to £50 per day to cover the cost of hire of golf equipment if your golf equipment is lost, stolen, or delayed on your outward journey for over 12 hours from the time you arrived at your trip destination. You must keep all receipts for this hire and send them in to us with your claim.

(d) up to £100 per day for the loss of Green Fees should the pre-booked Course become unplayable due to adverse weather conditions

(e) up to £100 for costs incurred following you achieving a hole in one. You must keep all receipts for these items and send them in to us with your claim.

For each insured-person this insurance will not cover:

(a) & (b) - the first £50 of each and every incident giving rise to a claim

- any claim where you have a Bronze policy

- more than £500 for any one item of golf equipment.

- loss or damage due to atmospheric or climactic conditions, age, wear and tear, moth or vermin.

- any items more specifically insured elsewhere such as on your all risks household insurance policy

- golf equipment left unattended away from your personal holiday or trip accommodation except ski equipment left between 6.00 am and 11.00 pm local time (during daytime) in the locked boot or covered luggage area of a motor vehicle where entry was gained by violent and forcible means.

(d) - more than £400 in total.

- your disinclination to play.

(e) - any claim which is not confirmed in writing by the Club Secretary and your playing partner.

What you need to do if you wish to make a claim under this section of the policy:

For all loss or damage claims during transit you need to (a) retain your tickets and luggage tags, (b) report the loss or damage to the airline, railway company, shipping line, coach company or their handling agents, and obtain a Property Irregularity Report (PIR) form or its equivalent within 24 hours. If your golf equipment is delayed longer than 12 hours on your outward journey, you may need to hire replacements, you must keep all the receipts to prove your claim. For all damage claims you should retain the items in case we wish to see them. You will need to obtain an estimate for repairs or a letter confirming that the damage is irreparable. You should keep receipts or vouchers for any items lost or damaged as these will help to prove your claim. For all other losses of you should report to the Police as soon as possible, and within 24 hours of discovery, and obtain a written report and reference number from them. You should also report the loss to your tour operator's representative, hotel/apartment manager or golf operator, wherever appropriate. For loss of green fees claims you will need to obtain a letter from your golf course operator stating (a) the reason for closure, (b) the date and time of the closure, and (c) the date and time it re-opened. For hole in one claims you will need a letter of confirmation from the Club Secretary and your playing partner.

SECTION B13 BUSINESS EXTENSION – Upon Payment of additional Premium (APPLICABLE TO GOLD POLICIES ONLY)

For each insured-person this insurance will pay:

(a) up to a total of £500 for your business effects to cover:

either (i) the cost of repair of items that are partially damaged whilst on your trip, up to the market value of the item, allowing for age, wear and tear,

or (ii) the market value of the item, allowing for age, wear and tear, to cover items that are stolen, permanently lost or destroyed whilst on your trip.

(b) you £100 compensation if your business effects are delayed for more than 12 hours from its scheduled departure time from your international departure point and your personal possessions and business effects have been checked in.

(c) up to a total of £350 to cover the transportation costs of replacing business samples if they are misplaced, lost or stolen on your outward journey from your home country for over 12 hours from the time you arrived at your trip destination. You must keep all receipts for these items and send them in to us with your claim and any amount paid will be deducted from the final claim settlement if the items are permanently lost.

(d) up to £150 per day to cover the cost of hiring replacement business effects if your business effects are misplaced, lost or stolen on your outward journey from your home country.

(e) up to £500 for the loss or theft of your business money during your trip.

(f)up to £1,500 to cover travel and accommodation costs and expenses to the same standard to the original booking when the insured employee is unable to complete the planned itinerary of the trip because of:

(i) the hospitalisation of the insured employee for an expected period of time of more than three days, or

(ii) the repatriation of the insured employee within the terms of this section, or

(iii) a serious assault causing bodily injury, or

(iv) the necessary and unavoidable curtailment of the trip due to a fortuitous cause that is outside your control or that of the insured employee for:

either (i) a replacement employee

or (ii) the original insured employee to return within one month of the event to complete the duties planned but not completed in the original trip.

For each insured-person this insurance will not cover:

(a) - more than £500 for any one article other than computer equipment.

- more than £500 in total for computer equipment.

- the first £100 of each and every incident giving rise to a claim

- more than £100 for items lost or stolen from a beach or lido.

- mobile telephones, SIM cards, mobile telephone prepayment cards, lost or stolen mobile telephone call charges or mobile telephone accessories.

- any claim where you are unable to provide the damaged items on request or to prove the existence or prove the ownership of any item with an insured value in excess of £250.

- loss of, or damage to, property that does not belong to you, your employer or any member of your family.

- any claim that is the result of a domestic dispute.

- loss or damage due to atmospheric or climatic conditions, age, wear, tear, moth or vermin.

- the loss, theft or damage to:

• films, tapes, cassettes, cartridges or discs other than their value as unused material unless purchased pre-recorded when we will pay up to the maker’s latest list price.

• perishable goods, bottles, cartons and any damage caused by them or their contents.

• any items more specifically insured elsewhere.

• valuables carried in any suitcases, trunks or similar containers when left unattended.

• valuables left unattended except where they are locked in a safe or safety deposit box where these are available or left out of sight in your locked personal trip accommodation.

- money, bonds, coupons, stamps negotiable instruments, securities or documents of any kind.

- business effects left unattended except where they are locked in a safe or safety deposit box where these are available or left out of sight in your locked personal trip accommodation.

- business effects left unattended away from your personal trip accommodation except business samples left between 6.00 am and 11.00 pm local time (during daytime) in the locked boot or covered luggage area of a motor vehicle where entry was gained by violent and forcible means.

(b) - more than £300 in total

(d) - more than £750 in total

(e) - the first £100 of each and every incident giving rise to a claim.

- more than £500 in total in cash or currency, whether solely or jointly owned.

- loss or theft of business money due to depreciation in value, currency changes or shortage caused by any error or omission.

- loss of theft of travellers’ cheques where the bank provides a replacement service.

- loss or theft of business money that is not:

• on your person

• held in a safe or safety deposit box where one is available

• left out of sight in your locked personal trip accommodation

- any claim where you have not notified a claim under section B4 – emergency medical and associated expenses.

(a), (c) & (e) - any claim for loss or theft where you have not notified the police, your carrier or trip organiser’s representative and obtained a written report.

(a), (b), (c), (d), (e) & (f) any claim where you have purchased a Bronze or Silver policy

How to make a claim under this section of the policy:

For loss of money we will also require (a) confirmation from your home country currency exchange of the issue of foreign currency or travellers’ cheques, (b) exchange confirmations for currency changed from travellers’ cheques, or (c) where sterling is involved, documentary evidence of possession.

SECTION B14 TIMESHARE EXTENSION – Upon Payment of additional Premium (Applicable to Silver and Gold Policies only)

For each timeshare property this insurance will pay:

up to 5% of the original purchase price paid for the period of the timeshare you are unable to use, plus the management charge for this period, up to a maximum amount of £750 on your Silver policy and up to £1,500 on your Gold policy in total, following a valid claim under section 1, cancellation charges, of the policy where you are unable to exchange your timeshare in your operator’s timeshare bank.

For each timeshare property this insurance will not cover:

the first £50 of any claim under this section.

more than £750 in total on your Silver policy

more than £1,500 in total on your Gold policy

any claim where you have purchased a Bronze policy

any claim that is not part of a valid claim under the cancellation or curtailment charges section of the policy.

any loss by exchanging your timeshare for a different date or different location.

What you need to do if you wish to make a claim under this section of the policy:

Notify your timeshare operator by telephone and in writing within three working days of your need to cancel.

Request your timeshare operator deposits your timeshare week(s) in the space bank pool and grants you a replacement within 6 months. Request an alternative timeshare from their space bank pool at a suitable time.

Provide copies of the original purchase invoice and invoice for the management charge for the period you need to cancel.

NB. All claims will be paid in Sterling at the exchange rate applicable at the time of cancellation.

SECTION B15 –WINTER SPORTS (coveronly availableupon Payment of additional Premium for the duration of your Single trip policy and up to 24 days in any one policy year on your Annual Multi Trip policy)

For each insured-person this insurance will pay:

(a) up to a total of £400 policy for your own ski equipment to cover:

either (i) the cost of repair of items that are partially damaged whilst on your trip, up to the original purchase price of the item, less an allowance for age, wear and tear,

or (ii) the original purchase price of the item, less an allowance for age, wear and tear, to cover items that are stolen, permanently lost or destroyed whilst on your trip.

(b) up to £10 per day to cover the cost of hiring replacement ski equipment if your ski equipment is misplaced, lost or stolen on your outward journey for over 24 hours from the time you arrived at your trip destination.

(d) up to £250 only to cover the cost of additional transport and/or accommodation if because of the prevention of access due to an avalanche you are unable to:

either (a) reach your pre-booked resort,

or (b) leave your pre-booked resort

(e) up to £25 for each full day you are unable to ski due to the lack of snow which results in the total closure of skiing facilities in the resort where you are booked to ski between 1^st January and 30^thApril.

For each insured-person this insurance will not cover:

(a) - the first £50 in respect of each and every event that causes a claim

- more than £400 for any one article, pair or set of any kind, whether they are solely or jointly owned.

- more than 60% of the original purchase price for skis over six months old and less than one year old.

- more than 50% of the original purchase price for skis over one year old and less than two years old.

- more than 40% of the original purchase price for skis over two years old and less than three years old.

- more than 25% of the original purchase price for skis over three years old and less than five years old.

- skis over five years old.

- ski equipment left unattended away from your personal holiday or trip accommodation except ski equipment left between 6.00 am and 11.00 pm local time (during daytime) in the locked boot or covered luggage area of a motor vehicle where entry was gained by violent and forcible means.

- any claim where you are able unable to provide the damaged items on request or to prove the existence or prove ownership or responsibility of any items.

- any claim for loss or theft where you have not notified the Police, your carrier or tour operator’s representative and obtained a written report.

(b) - more than £300 in total.

(d) - more than £15 for each 24 hour period.

- more than £250 in total.

- any costs where your tour operator, transport provider or accommodation provider arranges alternative transport or accommodation.

(e) - more than £200 in total.

- any compensation if your trip is to Bulgaria.

- any compensation where your tour operator provides a payment or provides travel to an alternative resort.

- any compensation for the first full day in your resort.

- any compensation where your trip was booked within 14 days of travel.

- any compensation where you fail to obtain written confirmation from the ski lift and/or ski school operator confirming the closure of facilities, stating the reason for closure and the date and time of closure and date and time it reopened.

- failure to ski due to the breakdown or damage to the ski lift.

- failure to ski due to severe weather conditions.

What you need to do if you wish to make a claim under this section of the policy:

For all damage claims you should retain the items in case we wish to see them. You will need to obtain an estimate for repairs or a letter confirming that the damage is irreparable. You should keep receipts or vouchers for any items lost or damaged as these will help to prove your claim. For all other losses of you should report to the Police as soon as possible, and within 24 hours of discovery, and obtain a written report and reference number from them. You should also report the loss to your tour operator’s representative, hotel/apartment manager or ski slope operator, wherever appropriate. For piste closure claims you will need to obtain a letter from your tour operator or transport provider stating (a) the reason for closure, (b) the date and time of the closure, and (c) the date and time it re-opened.

For avalanche closure claims you will need to obtain a letter from your tour operator or transport provider stating (a) the reason for closure, (b) the date and time of the closure, and (c) the date and time it re-opened and you were able to continue on your journey

PISTE RESCUE/CARTE NEIGE

Carte Neige is French based insurance which will cover rescue and transportation off the slopes. It is not a full insurance policy and will not cover you for extensive medical costs, repatriation, cancellation or curtailment of your holiday, baggage loss, legal expenses etc. If you have purchased a Covered2go policy with Carte Neige and received a discounted price then all costs relating to Piste evacuation/rescue is excluded from your cover along with any other expenses covered by Carte Neige, it is advisable to check what Carte Neige covers and ensure that you have comprehensive cover across all areas through Carte Neige and your Covered2go policy.

Please note that your Covered2go travel insurance policy will cover you for a majority of winter activities upon payment of the wintersports premium:

Big Foot Skiing	Ski Dooing	Snow Mobile/Ski Doos
Cat Skiing	Ski-doos	Snow Mobiling
Cross Country Skiing	Skiing	Snow Parascending
Glacier Walking	Skiing - Cat	Snow Scooting
Hockey (Ice) With Full Body Husky Dog	Skiing - Cross Country	Snow Shoe Walking
Sledding	Skiing - Mono	Snow Tubing
Ice Skating	Skiing - Nordic	Snowboarding
Kick Sledging	Sledging	Snowcat Driving
Mono Skiing	Sleigh riding (reindeer, horses or dogs)	Speed Skating
Off-piste skiing	Snow Biking	Telemarking
Passenger Sledge	Snow/Ski Blading	Toboganning/Sledging
Ski Boarding	Snow Bobbing

However if you are participating in any of the following activities these fall into separate categories of cover available upon payment of an additional premium dependant of which activity pack your chosen activity falls into:

Activity Pack 4

Ski Biking, Skiing – Snowcat, Snow Carting, Snow Go Karting, Winter Walking

Activity Pack 5

Glacier Skiing, Heliskiing, Ice Climbing, Ice Go Carting, Ice Windsurfing, Skeleton, Ski Randonee, Ski Touring, Ski Yawing, Skiing – Freestyle, Skiing – Glacier, Snow Kiting,

Activity Pack 6

Ski Mountaineering, Ski Run Walking, Skiing - Off Piste without a Guide , terrain/snow parks

Activity Pack 8

Bobsleigh, Ice Diving, Ice Marathon, Ice Speedway, Luge/Bobsleigh, Ski Acrobatics, Ski Jumping, Ski Racing, Ski Stunting, Skiing – Para, Sky Diving, Sky Jumping,

What to do in the case of a medical emergency abroad

IN CASE OF SERIOUS EMERGENCY –first call an ambulance using the local equivalent of a 999 call. While you wait for the ambulance contact our medical assistance service which is open 24 hours a day and 7 days a week to offer you advice in this emergency situation. We strongly suggest you put their telephone number +44 (0)845 260 3260 or +44 (0) 1732 85 33 33 into your mobile phone before you travel so that it is to hand should you need it. Speak to the ambulance driver and get details of the hospital you are being taken to so that our medical assistance service’s doctor will be able to obtain a medical report at the earliest possible opportunity.

WHAT THE MEDICAL ASSISTANCE COMPANY NEEDS FROM YOU - when you call our medical assistance service in an emergency you need to have some basic information for them to hand:

• ^Øyour telephone number so you can be contacted on in case you are cut off

• ^Øthe name and age of the patient and as much information about the medical situation as you are able to provide

• ^Øthe name of the hospital, the ward, the treating doctor and the telephone numbers if you have them

• ^Øtell them that you have a Covered2go Travel Insurance policy, the booking reference number, the date you bought it, the name of the branch and your booked travel dates

• ^Øthe patient’s UK GP details, name, address and phone number, in case they need to obtain information on current medical conditions and treatment..

MINOR ILLNESS OR INJURY - If you need to see a doctor in Europe or Scandinavia then ask your hotel reception or tour representative for the address of the nearest public medical facility. In Europe you should show them your EHIC card, medical treatment will be free or at a reduced cost and you will not be required to contribute towards the claim as the policy excess will be reduced to NIL. You will only be covered for the cost of private medical treatment in these countries if this is approved in advance by our medical assistance service on +44 (0)845 260 3260 or +44 (0) 1732 85 33 33. Elsewhere it is advisable to seek advice on where to go for treatment from our medical assistance service if possible, as standards of medical facilities vary greatly and many apparently acceptable clinics which have been setup to target the tourist market and will ruin your trip by insisting on unnecessary admissions and treatment at inflated prices. In some circumstances it may be necessary for our medical assistance service to move you to a more suitable facility.

HOW TO PAY FOR YOUR TREATMENT - Outpatient bills for less than £500 should be paid at the time and claimed on your return. It is very important to obtain an itemised receipt for any monies paid for medical treatment.

If you are admitted to a medical facility then you may need to pay the policy excess locally and ask the hospital or doctor to send the rest of their bills to Travel Claims Facilities at: PO Box 420, Hadlow, Kent, TN9 9DE, UK. Our medical assistance service will explain this procedure to them and provide them with a faxed guarantee if necessary, once the validity of your claim has been established.

WHAT HAPPENS IF I MISS MY BOOKED FLIGHT DUE TO ILLNESS?– don’t worry, provided you have contacted our medical assistance service your policy will be automatically extended to cover you until it is agreed that you are fit to travel home. Our medical assistance service will liaise with your treating doctor and you and once you are fit to travel, they will make appropriate alternative arrangements.

WHAT IF YOU WANT TO COME HOME EARLY? - This policy covers you to come home early because you are illonly if medical treatment is not available locally. If you are thinking of cutting short your trip because you are not well then you must contact our medical assistance service on +44 (0)845 260 3260 or +44 (0) 1732 85 33 33 for advice first. If you need to come home for any other reason, such as the illness of a close relative in the UK then you should make your own arrangements, bearing in mind your duty to act at all times as if uninsured as not all circumstances are covered by your policy. If you are not sure whether your particular circumstances are included in the cover then call Travel Claims Facilities on +44 8453 707 133 between 9.00 am and 5.00 pm UK time for advice.

Important contact numbers:

For Emergency medical assistance abroad, please contact

+44 (0) 845 260 3 260 or +44 (0) 1732 85 33 33

To make a claim on the policy please visit www.travelclaimsfacilities.co.uk

call 08453 707 133 or fax 0870 620 5001.

For advice on the policy, to amend the policy or to discuss the terms, please contact: 0844 800 34 27

ADDITIONAL SPORTS AND ACTIVITIES:

Unlike other policies we cover many sports and activities as standard, no additional premium is required for activities listed in Activity Pack 1.

We have categorised the activities that are not covered as standard into seven further bands. If you do not see your chosen activity, do not worry, I am sure we can cover it.

Please contact us so we can discuss the activity and what, if any additional premium is necessary. (All of the activities are covered on a non-professional and non-competitive basis, unless otherwise stated. Any claims which arise whilst undertaking any of these activities for any purpose other than leisure (examples of non-leisure purposes include racing, timed events, professional, display events, photo shoots, etc...) will not be covered under this policy. If you are unsure please do not hesitate to contact us and we can discuss your individual requirements.

Activity Pack 1 –Covered as standard

Abseiling, Aerobics, Amateur Athletic Field/track Events, Angling, Animal Sanctuary/Refuge Work, Archery, Athletics, Badminton, Bamboo Rafting, Banana Boating, Bar Work, Baseball, Basketball, Beach Games, Biathlon, Billiards, Bird Watching, Body Boarding, Bowling, Bowls, Boxing Training, Bridge, Bridge Swinging, Bungee Jumping, Camel/Elephant Riding/Trekking, Camping, Canoeing (excluding white water), Caravanning, Catamaran Sailing (In-shore), Chess, Clay Pigeon Shooting, Climbing, Cricket, Croquet, Curling, Cycle Touring, Cycling, Dancing, Darts, Deep Sea Fishing, Diving, Elephant Trekking (UK-Booked), Fell Running, Fell Walking, Fencing, Fishing, Fives, Flag football, Flying as passenger (private/small aircraft), Flying ex crew/pilot, Football, Football - Beach Kick Around, Fresh Water/Sea Fishing, Frisbee, Fruit or Vegetable Picking, Glass Bottom Boats, Gliding (learning non competition), Golf, Gorilla Trekking, Gymnastics, Highland games, Hiking/Trekking/Walking, Hill Walking up to 2000m, Historical Research, Horse Riding (no eventing), Hot Air Ballooning, Indoor Skating, Jet Boating, Jet Skiing, Jet Skiing (non incidental), Jogging, Kayaking (up to grade 2 rivers only), Keepfit, Kiting, Korfball, Low Ropes, Manual Labour, Marathons, Model Flying, Motorcycling with appropriate UK licence, Mountain Biking, Netball, Orienteering, Petanque, Pigeon racing, Pony Trekking, Pool, Power lifting, Quoits, Rackets, Rafting, Rambling, Rambling under 1,000m, Rap Running/Jumping, Raquet Ball, Re-Enactment, Restaurant Work, Rifle Range, Ringos, River Walking , Rock Scrambling (under 4,000m), Rounders, Rowing, Running, Sprint/Long Distance, Safari (UK Organised), Safari Trekking, Sail Boarding, Sailing, Sailing/Yachting inshore (recreational), Scuba Diving to 30m, Sea Fishing, Shinty, Shooting, Shooting (target range-not hunting), Small Bore Target Shooting, Snooker, Snorkelling, Softball, Squash (amateur), Surfing (amateur), Swim Trekking , Swimming, Swimming with Dolphins, Sydney Harbour Bridge, Table Tennis, Team Games, Ten Pin Bowling, Tennis, Trekking 1000m, Triathlon, Tubing, Tug of War, Volleyball, Walking, Water Skiing (amateur), Waterskiing/Windsurfing/Snorkelling, Weight Lifting, Whale Watching, White Water Rafting + Canoeing (grade 1 to 3), Windsurfing, Working, Yachting (inland and coastal waters), Yoga

Activity Pack 2 – Additional Premium required

Adventure Racing (up to 6 hours), Airsoft, Cross Country Running, Dragon Boat Racing, Dry Slope Skiing, Elephant Trekking (non-UK booked), Falconry, Football – Amateur, Gaelic Football, Gliding (non competition), Gorge Walking (no ropes), Handball, High Diving, Hobie Catting (In-shore), Hockey, Indoor Climbing (on climbing wall), Iron Man, Judo, Karate, Karting, Kayaking (grade 3 rivers only),Kayaking (In-land waters), Kendo, Lacrosse, Land Yachting, Paint Balling, Parasailing (over water) incidental, Parascending (Over water), Parascending (over water, non incidental), Rambling up to 2,000m, Roller Blading (Line Skating/Skate Boarding), Roller skating, Rugby (training), Safari (non UK Organised), Sand Yachting, Sea Canoeing/Kayaking, Shark Cage Diving, Skateboarding, Soccer, Sphering, Street Hockey, Taw Kwon Do, Trampolining, Trekking 2000m, Ultimate, up to 1 day Skiing/Dry slope skiing/Snowboarding, War Games/Paint Balling, Water Polo (amateur)

Activity Pack 3 - Additional Premium required, upon purchase of the wintersports extension you are covered for the entire duration of your single trip and for up to 24days in any one year on your Annual Multi Trip policy the winter sports listed below in pack 3, if you are taking part in any winter sports activity not featured below you need to contact us to arrange cover.

Adventure Racing (up to 12 hours), American Football, Big Foot Skiing, Blade Skating, Bobbing, Breathing Observation Bubble (BOB), Canoeing (White Water), Canyoning, Cat Skiing, Cross Country Skiing, Equestrian, Flying crew/pilot, Flying Helicopter (Pilot), Glacier Walking, Gliding, Go Karting, Harness Racing, Hockey (Ice) With Full Body Protection, Horse Jumping (no Polo, Hunting), Horse Riding (Eventing), Husky Dog Sledding, Hydro Zorbing, Ice Hockey, Ice Skating, Jousting, Kick Sledging, Kite Boarding, Land Skiing, Langlauf, Martial Arts (Training Only), Modern Pentathlon, Mono Skiing, Mountain Boarding, Mountain Walking up to 1000m, Mountaineering up to 1000m, Off Road Motorcycling (up to 250cc), Off-piste skiing, Passenger Sledge, Polo cross, Power Boating, Professional Entertaining, Quad Bikes, River Tubing, Rodeo, Roller Hockey, Rugby (amateur game), Rugby League, Rugby Union, Sand Boarding, Sand Dune Surfing/Skiing, Ski Boarding, Ski Dooing, Skiing, Skiing – Cat, Skiing – Mono, Skiing – Nordic, Sledging, Sledging/Toboganning, Sleigh riding (reindeer, horses or dogs), Snow Biking, Snow/Ski Blading, Snow Bobbing, Snow Mobile/Ski Doos, Snow Mobiling, Snow Parascending, Snow Scooting, Snow Shoe Walking, Snow Tubing, Snowboarding, Snowcat Driving, Speed Sailing, Speed Skating, Speed Trials/Time Trials, Summer Tobogganing, Telemarking, Toboganning/Sledging, Tree Top Canopy Walking, Under 17 Driving (not public roads), Water Ski Jumping, White Water Rafting (grade 4 to 6), Winter sports, Wrestling

Activity Pack 4 - Additional Premium required

Boardsailing, Cyclo Cross, Devil Karting, Dinghy Sailing, Dirt Boarding, Extreme Sports, Mountaineering up to 2,000m, Paragliding, Parascending (over land), Ski Biking, Skiing – Snowcat, Snow Carting, Snow Go Karting, Trekking 3000m, Winter Walking

Activity Pack 5 - Additional Premium required

Buggying, Caving/Pot Holing, Glacier Skiing, Heliskiing, Hurling, Hydrospeeding, Ice Climbing, Ice Go Carting, Ice Windsurfing, Kite Buggying, Kite Surfing, Octopush, Outdoor Endurance Tests, Power Gliding, Power Kiting, River Bugging, Rock Climbing (under 2,000m), Skeleton, Ski Randonee, Ski Touring, Ski Yawing, Skiing – Freestyle, Skiing – Glacier, Snow Kiting, Via Ferratta, Wake Boarding, Wind Tunnel Flying

Activity Pack 6 - Additional Premium required

Adventure Racing (up to 24 hours), Assault Courses including High Ropes, Black Water Rafting (Grades 1 to 3), Blowcarting, BMX Freestyle & Racing, Cave Diving, Cycle Racing, Freestyle Skateboarding, Gliding (competition), Hang Gliding, Micro Lighting, MotoCross, Motor Racing/Rallies/Competitions (all types), Mountaineering up to 3,000m, Parapenting/Paraponting, Polo, Scuba Diving to 40m, Ski Flying, Ski Mountaineering, Ski Run Walking, Skiing - Off Piste Without a Guide, Snow/Terrain Parks , Slack-Lining, Wicker Basket Tobogganing, Zip Trekking, Zorbing

Activity Pack 7- Additional Premium required

Adventure Racing (up to 36 hours), Downhill Mountain Biking, Kloofing, Mountaineering up to 4,000m, Solo Climbing, Solo Mountaineering, Solo Scuba Diving, Tandem Skydive (up to 2 jumps maximum)

Activity Pack 8 - Additional Premium required

Adventure Racing (up to 48 hours), Airboarding, Alligator Wrestling, Big Game Hunting, Black Water Rafting (Grades 4 to 6), Bobsleigh, Bouldering, Boxing, Bull Running, Cave Tubing, Coasteering, Deer Stalking, Drag Racing, Free Diving, Free Mountaineering, Hunting/Shooting, Ice Diving, Ice Holing, Ice Marathon, Ice Speedway, Luge/Bobsleigh, Martial Arts (Competition), Mixed Gas Diving, Mountaineering up to 5,600m, Parachuting, Potholing,Sailing/Yachting offshore (recreational), Shark Free Diving, Ski Acrobatics, Ski Jumping, Ski Racing, Ski Stunting, Skiing – Heli, Skiing – Para, Sky Diving, Sky Jumping, Sky Surfing, Trekking to Everest Base Camp, Trekking up to 5,600m, Yachting (racing/crewing) - outside territorial waters

APPLICABLE TO BOTH PRE-TRAVEL AND TRAVEL POLICIES

Where to obtain a claim form

We have appointed Travel Claims Facilities to look after your claim. If you require a claim form please obtain a form from the internet at:

www.travel-claims.net

Alternatively please advise the section of the insurance on which you want to claim and scheme reference to:

Travel Claims Facilities,

PO Box 420, Tonbridge, Kent, TN9 9DE

• telephone: 08453 707 133

• fax: 0870 620 5001

Your right to complain

It is our aim to give a high standard of service and to meet any claims covered by these policies honestly, fairly and promptly. There are, however, times when misunderstandings occur by both sides. If you do not feel that the matter has been dealt with to your satisfaction or you have some new evidence which we have not seen, please contact us in writing, explaining why you do not think our decision is correct.

If your complaint is regarding the selling of your policies:

Customer Services Manager, Rush Insurance Services Limited. Suite 23, 10 Churchill Square, Kings Hill, West Malling, Kent. ME19 4YU.

Sometimes mistakes do happen in the assessment of claims and if you feel that the assessment of your claim has been incorrect, or there is additional information that would change the decision made then please write to:

The Claims Manager, Travel Claims Facilities, PO Box 420, Tonbridge, Kent, TN9 9DE.

If you still feel you have been treated unfairly in accordance with terms of your policy then you can write to the insurers’ Complaints Officer who can look at the circumstances and may be able to offer a solution.

Write to: The Branch Manager, URV, Oast Business Centre, North Frith Farm, Ashes Lane, Hadlow, Kent, TN11 9QU

If we are unable to do this to your satisfaction, disputes may then be referred to the Financial Ombudsman Service for review:

Ask the Financial Ombudsman Service (FOS) to review your case. Their address is: South Quay Plaza, 183 Marsh Wall, London, E14 9SR. Their telephone advice line is +44 (0) 845 080 1800.

___________________________________________________________________________________________________________

URV, Branch Office of Union Reiseversicherung AG for the United Kingdom and the Republic of Ireland Registered in England & Wales. Company No. FC024381 Branch No. BR006943

A public body corporate with limited liability

Registered Office: Maximilianstrasse 53, D-80530 Munich, Germany

Registered with Amtsgericht Munich, Germany Registered Number: HRB 137918

Union Reiseversicherung AG are authorised in Germany by BaFin and subject to limited regulation in the United Kingdom by the Financial Conduct Authority and in the Republic of Ireland by the Insurance Regulator.

Union Reiseversicherung AG are members of the Financial Services Compensation Scheme

Administered in the United Kingdom and Ireland by Travel Insurance Compliance Services

Registered Office: St Clare House, 30-33 Minories, London EC3N 1PE

Registered in England Registered Number: 06772357

Travel Insurance Facilities plc are authorised and regulated by the Financial Conduct Authority

Travellers HealthCheck and Travel Claims Facilities are trading names of Travel Insurance Facilities plc

CTG.V3.06.2013